Home > Marion State Bank > Performance and Condition Ratios
Marion State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9130% | 3,255 |
| Cost of funding earning assets | 1.4428% | 3,338 |
| Net interest margin | 3.4702% | 2,383 |
| Noninterest income to average assets | 0.4400% | 2,021 |
| Noninterest expense to average assets | 2.4101% | 2,556 |
| Loan and lease loss provision to assets | 0.0700% | 1,663 |
| Net operating income to assets | 1.2302% | 1,661 |
| Return on assets (ROA) | 1.2302% | 1,656 |
| Pretax return on assets | 1.2302% | 2,165 |
| Return on Equity (ROE) | 12.5300% | 1,609 |
| Retained earnings to average equity (ytd only) | 12.5339% | 704 |
| Net charge-offs to loans | 1.1139% | 136 |
| Credit loss provision to net charge-offs | 14.7929% | 1,671 |
| Earnings coverage of net charge-offs (x) | 2.5976% | 2,064 |
| Efficiency ratio | 64.9920% | 2,364 |
| Assets per employee ($millions) | 8.5378% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5521% | 4,216 |
| Loan loss allowance to noncurrent loans | 199.4083% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 2,892 |
| Noncurrent loans to loans | 0.2768% | 2,510 |
| Net loans and leases to total assets | 44.4400% | 3,819 |
| Net loans and leases to deposits | 49.8501% | 3,871 |
| Net loans and leases to core deposits | 61.3764% | 3,642 |
| Total domestic deposits to total assets | 89.1500% | 1,124 |
| Equity capital to assets | 10.2047% | 2,101 |
| Core capital (leverage) ratio | 15.0057% | 604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $135,266,000 | 3,497 |
| Average earning assets | $127,255,500 | 3,476 |
| Average equity | $13,276,000 | 3,506 |
| Average total loans | $60,687,500 | 3,690 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9089% | 3,245 |
| Cost of funding earning assets | 1.3117% | 3,655 |
| Net interest margin | 3.5971% | 1,879 |
| Noninterest income to average assets | 0.4200% | 2,351 |
| Noninterest expense to average assets | 2.2236% | 3,052 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 1.4991% | 915 |
| Return on assets (ROA) | 1.4506% | 980 |
| Pretax return on assets | 1.4506% | 1,379 |
| Return on Equity (ROE) | 15.5800% | 847 |
| Retained earnings to average equity (ytd only) | 8.5727% | 927 |
| Net charge-offs to loans | 0.0451% | 1,711 |
| Credit loss provision to net charge-offs | 425.9259% | 718 |
| Earnings coverage of net charge-offs (x) | 79.7778% | 936 |
| Efficiency ratio | 58.4411% | 3,319 |
| Assets per employee ($millions) | 8.9285% | 1,085 |
| Cash dividends to net income (ytd only)* | 44.9899% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7973% | 3,886 |
| Loan loss allowance to noncurrent loans | 279.6512% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 2,432 |
| Noncurrent loans to loans | 0.2851% | 2,408 |
| Net loans and leases to total assets | 44.6900% | 3,862 |
| Net loans and leases to deposits | 49.7647% | 3,922 |
| Net loans and leases to core deposits | 60.9026% | 3,716 |
| Total domestic deposits to total assets | 89.8000% | 884 |
| Equity capital to assets | 9.4170% | 2,517 |
| Core capital (leverage) ratio | 14.6169% | 654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $136,219,400 | 3,485 |
| Average earning assets | $128,073,800 | 3,459 |
| Average equity | $12,679,800 | 3,547 |
| Average total loans | $59,835,000 | 3,690 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8215% | 3,341 |
| Cost of funding earning assets | 1.2673% | 3,718 |
| Net interest margin | 3.5542% | 1,911 |
| Noninterest income to average assets | 0.4200% | 2,310 |
| Noninterest expense to average assets | 2.2457% | 2,963 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 1.4630% | 986 |
| Return on assets (ROA) | 1.3997% | 1,099 |
| Pretax return on assets | 1.3997% | 1,508 |
| Return on Equity (ROE) | 15.0800% | 942 |
| Retained earnings to average equity (ytd only) | 8.3064% | 1,297 |
| Net charge-offs to loans | -0.0290% | 4,235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 59.6891% | 3,195 |
| Assets per employee ($millions) | 8.5350% | 1,247 |
| Cash dividends to net income (ytd only)* | 44.9164% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7580% | 3,999 |
| Loan loss allowance to noncurrent loans | 147.3016% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.2307% | 2,325 |
| Noncurrent loans to loans | 0.5146% | 1,797 |
| Net loans and leases to total assets | 44.4900% | 3,878 |
| Net loans and leases to deposits | 50.0750% | 3,954 |
| Net loans and leases to core deposits | 60.5628% | 3,770 |
| Total domestic deposits to total assets | 88.8400% | 962 |
| Equity capital to assets | 10.4547% | 2,006 |
| Core capital (leverage) ratio | 14.4076% | 732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $136,792,250 | 3,478 |
| Average earning assets | $128,671,000 | 3,458 |
| Average equity | $12,696,750 | 3,550 |
| Average total loans | $59,711,250 | 3,704 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 3,340 |
| Cost of funding earning assets | 1.2021% | 3,782 |
| Net interest margin | 3.5629% | 1,847 |
| Noninterest income to average assets | 0.4100% | 2,325 |
| Noninterest expense to average assets | 2.1860% | 3,110 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 1.5255% | 882 |
| Return on assets (ROA) | 1.4276% | 1,039 |
| Pretax return on assets | 1.4276% | 1,423 |
| Return on Equity (ROE) | 16.0600% | 830 |
| Retained earnings to average equity (ytd only) | 8.6442% | 1,188 |
| Net charge-offs to loans | -0.0439% | 4,308 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 58.0971% | 3,381 |
| Assets per employee ($millions) | 8.6571% | 1,122 |
| Cash dividends to net income (ytd only)* | 46.1617% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7401% | 4,054 |
| Loan loss allowance to noncurrent loans | 131.6418% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.2419% | 2,214 |
| Noncurrent loans to loans | 0.5622% | 1,607 |
| Net loans and leases to total assets | 42.7000% | 3,954 |
| Net loans and leases to deposits | 47.1546% | 4,039 |
| Net loans and leases to core deposits | 56.8388% | 3,873 |
| Total domestic deposits to total assets | 90.5600% | 560 |
| Equity capital to assets | 8.8280% | 2,856 |
| Core capital (leverage) ratio | 14.2784% | 756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $136,869,667 | 3,489 |
| Average earning assets | $128,772,667 | 3,464 |
| Average equity | $12,170,000 | 3,581 |
| Average total loans | $59,209,333 | 3,725 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8135% | 3,129 |
| Cost of funding earning assets | 1.0877% | 3,898 |
| Net interest margin | 3.7258% | 1,478 |
| Noninterest income to average assets | 0.4500% | 2,013 |
| Noninterest expense to average assets | 2.3345% | 2,697 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 1.5642% | 813 |
| Return on assets (ROA) | 1.5642% | 824 |
| Pretax return on assets | 1.5642% | 1,149 |
| Return on Equity (ROE) | 17.5300% | 659 |
| Retained earnings to average equity (ytd only) | 17.5274% | 291 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 58.9896% | 3,360 |
| Assets per employee ($millions) | 8.8881% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6924% | 4,124 |
| Loan loss allowance to noncurrent loans | 160.0775% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 2,398 |
| Noncurrent loans to loans | 0.4326% | 1,841 |
| Net loans and leases to total assets | 44.4300% | 3,877 |
| Net loans and leases to deposits | 49.1960% | 3,947 |
| Net loans and leases to core deposits | 58.2417% | 3,830 |
| Total domestic deposits to total assets | 90.3100% | 694 |
| Equity capital to assets | 9.1103% | 2,605 |
| Core capital (leverage) ratio | 13.9320% | 796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $136,047,500 | 3,510 |
| Average earning assets | $127,973,000 | 3,482 |
| Average equity | $12,141,000 | 3,589 |
| Average total loans | $59,020,000 | 3,738 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 3,259 |
| Cost of funding earning assets | 0.9088% | 3,506 |
| Net interest margin | 3.5021% | 2,172 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.0927% | 3,426 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.5513% | 935 |
| Return on assets (ROA) | 1.5663% | 877 |
| Pretax return on assets | 1.5663% | 1,299 |
| Return on Equity (ROE) | 20.4700% | 572 |
| Retained earnings to average equity (ytd only) | 11.2557% | 738 |
| Net charge-offs to loans | 0.0641% | 1,209 |
| Credit loss provision to net charge-offs | 197.2973% | 1,233 |
| Earnings coverage of net charge-offs (x) | 61.0541% | 1,179 |
| Efficiency ratio | 56.4320% | 3,452 |
| Assets per employee ($millions) | 9.2515% | 900 |
| Cash dividends to net income (ytd only)* | 45.0228% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6730% | 4,159 |
| Loan loss allowance to noncurrent loans | 144.4853% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 2,243 |
| Noncurrent loans to loans | 0.4658% | 1,616 |
| Net loans and leases to total assets | 41.8000% | 3,971 |
| Net loans and leases to deposits | 46.1281% | 4,045 |
| Net loans and leases to core deposits | 55.8674% | 3,917 |
| Total domestic deposits to total assets | 90.6100% | 600 |
| Equity capital to assets | 8.7452% | 2,866 |
| Core capital (leverage) ratio | 13.5909% | 889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $139,817,600 | 3,461 |
| Average earning assets | $132,036,800 | 3,430 |
| Average equity | $10,696,800 | 3,646 |
| Average total loans | $57,750,200 | 3,738 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3149% | 3,266 |
| Cost of funding earning assets | 0.8128% | 3,488 |
| Net interest margin | 3.5021% | 2,205 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.0978% | 3,361 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.5477% | 1,028 |
| Return on assets (ROA) | 1.5677% | 981 |
| Pretax return on assets | 1.5677% | 1,418 |
| Return on Equity (ROE) | 21.2400% | 617 |
| Retained earnings to average equity (ytd only) | 11.5053% | 1,066 |
| Net charge-offs to loans | 0.0486% | 1,194 |
| Credit loss provision to net charge-offs | 319.0476% | 847 |
| Earnings coverage of net charge-offs (x) | 80.8571% | 1,041 |
| Efficiency ratio | 56.4839% | 3,358 |
| Assets per employee ($millions) | 9.3174% | 830 |
| Cash dividends to net income (ytd only)* | 45.8409% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6730% | 4,175 |
| Loan loss allowance to noncurrent loans | 172.9614% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 2,468 |
| Noncurrent loans to loans | 0.3891% | 1,857 |
| Net loans and leases to total assets | 42.5600% | 3,973 |
| Net loans and leases to deposits | 45.9189% | 4,052 |
| Net loans and leases to core deposits | 53.2907% | 3,958 |
| Total domestic deposits to total assets | 92.6800% | 356 |
| Equity capital to assets | 6.7723% | 3,718 |
| Core capital (leverage) ratio | 13.1395% | 1,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $140,078,750 | 3,465 |
| Average earning assets | $132,373,750 | 3,432 |
| Average equity | $10,337,000 | 3,681 |
| Average total loans | $57,589,250 | 3,748 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2285% | 3,236 |
| Cost of funding earning assets | 0.7254% | 3,413 |
| Net interest margin | 3.5031% | 2,259 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.0758% | 3,411 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.5779% | 978 |
| Return on assets (ROA) | 1.6079% | 937 |
| Pretax return on assets | 1.6079% | 1,399 |
| Return on Equity (ROE) | 21.2100% | 605 |
| Retained earnings to average equity (ytd only) | 11.4230% | 1,094 |
| Net charge-offs to loans | 0.0176% | 1,560 |
| Credit loss provision to net charge-offs | 1,080.0000% | 388 |
| Earnings coverage of net charge-offs (x) | 232.0000% | 536 |
| Efficiency ratio | 55.6405% | 3,463 |
| Assets per employee ($millions) | 9.2379% | 840 |
| Cash dividends to net income (ytd only)* | 46.1402% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6776% | 4,217 |
| Loan loss allowance to noncurrent loans | 165.7143% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 2,313 |
| Noncurrent loans to loans | 0.4089% | 1,704 |
| Net loans and leases to total assets | 42.9500% | 3,922 |
| Net loans and leases to deposits | 46.7771% | 4,024 |
| Net loans and leases to core deposits | 54.4795% | 3,872 |
| Total domestic deposits to total assets | 91.8200% | 450 |
| Equity capital to assets | 7.6972% | 3,405 |
| Core capital (leverage) ratio | 13.0995% | 1,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $140,184,667 | 3,475 |
| Average earning assets | $132,623,667 | 3,442 |
| Average equity | $10,627,667 | 3,663 |
| Average total loans | $56,824,333 | 3,769 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1204% | 3,213 |
| Cost of funding earning assets | 0.6199% | 3,321 |
| Net interest margin | 3.5006% | 2,360 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.0625% | 3,467 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.5689% | 1,038 |
| Return on assets (ROA) | 1.5689% | 1,037 |
| Pretax return on assets | 1.5689% | 1,535 |
| Return on Equity (ROE) | 20.8500% | 673 |
| Retained earnings to average equity (ytd only) | 20.8512% | 327 |
| Net charge-offs to loans | -0.0651% | 4,418 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.5386% | 3,453 |
| Assets per employee ($millions) | 9.3839% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6889% | 4,256 |
| Loan loss allowance to noncurrent loans | 150.7634% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.3630% | 1,417 |
| Noncurrent loans to loans | 0.4569% | 1,576 |
| Net loans and leases to total assets | 40.4600% | 4,022 |
| Net loans and leases to deposits | 44.0580% | 4,098 |
| Net loans and leases to core deposits | 50.4908% | 3,974 |
| Total domestic deposits to total assets | 91.8200% | 561 |
| Equity capital to assets | 7.7573% | 3,408 |
| Core capital (leverage) ratio | 12.9682% | 991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $140,992,500 | 3,511 |
| Average earning assets | $133,578,000 | 3,476 |
| Average equity | $10,608,500 | 3,712 |
| Average total loans | $55,276,500 | 3,829 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4501% | 3,210 |
| Cost of funding earning assets | 0.4112% | 2,006 |
| Net interest margin | 3.0389% | 3,330 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 1.9381% | 3,749 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3084% | 1,398 |
| Return on assets (ROA) | 1.3084% | 1,365 |
| Pretax return on assets | 1.3084% | 2,062 |
| Return on Equity (ROE) | 15.5900% | 1,127 |
| Retained earnings to average equity (ytd only) | 5.4428% | 2,856 |
| Net charge-offs to loans | 0.2882% | 269 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 12.4539% | 2,108 |
| Efficiency ratio | 59.6977% | 3,098 |
| Assets per employee ($millions) | 9.4151% | 807 |
| Cash dividends to net income (ytd only)* | 65.0819% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6709% | 4,252 |
| Loan loss allowance to noncurrent loans | 85.2029% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 1,669 |
| Noncurrent loans to loans | 0.7874% | 945 |
| Net loans and leases to total assets | 37.4300% | 4,165 |
| Net loans and leases to deposits | 40.6160% | 4,226 |
| Net loans and leases to core deposits | 46.8548% | 4,089 |
| Total domestic deposits to total assets | 92.1500% | 600 |
| Equity capital to assets | 7.2918% | 3,496 |
| Core capital (leverage) ratio | 12.3577% | 1,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $144,680,600 | 3,495 |
| Average earning assets | $136,430,400 | 3,457 |
| Average equity | $12,144,400 | 3,655 |
| Average total loans | $52,749,600 | 3,851 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2487% | 3,312 |
| Cost of funding earning assets | 0.3875% | 1,380 |
| Net interest margin | 2.8612% | 3,595 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 1.9274% | 3,684 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1478% | 1,900 |
| Return on assets (ROA) | 1.1478% | 1,872 |
| Pretax return on assets | 1.1478% | 2,562 |
| Return on Equity (ROE) | 13.2500% | 1,626 |
| Retained earnings to average equity (ytd only) | 3.3211% | 3,690 |
| Net charge-offs to loans | 0.4281% | 148 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 7.4142% | 2,072 |
| Efficiency ratio | 62.6750% | 2,741 |
| Assets per employee ($millions) | 9.4938% | 762 |
| Cash dividends to net income (ytd only)* | 74.9401% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6608% | 4,316 |
| Loan loss allowance to noncurrent loans | 79.6253% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 1,748 |
| Noncurrent loans to loans | 0.8298% | 949 |
| Net loans and leases to total assets | 35.8900% | 4,233 |
| Net loans and leases to deposits | 38.4973% | 4,291 |
| Net loans and leases to core deposits | 44.7597% | 4,152 |
| Total domestic deposits to total assets | 93.2400% | 519 |
| Equity capital to assets | 6.3417% | 3,822 |
| Core capital (leverage) ratio | 11.7146% | 1,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $145,544,000 | 3,507 |
| Average earning assets | $136,953,250 | 3,477 |
| Average equity | $12,606,000 | 3,649 |
| Average total loans | $52,633,750 | 3,874 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0343% | 3,468 |
| Cost of funding earning assets | 0.3670% | 1,132 |
| Net interest margin | 2.6673% | 3,775 |
| Noninterest income to average assets | 0.3847% | 2,844 |
| Noninterest expense to average assets | 1.8883% | 3,735 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0055% | 2,132 |
| Return on assets (ROA) | 1.0055% | 2,105 |
| Pretax return on assets | 1.0055% | 2,710 |
| Return on Equity (ROE) | 10.6830% | 2,097 |
| Retained earnings to average equity (ytd only) | 0.5508% | 4,082 |
| Net charge-offs to loans | 0.5318% | 124 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 5.2270% | 1,936 |
| Efficiency ratio | 65.2522% | 2,613 |
| Assets per employee ($millions) | 10.0878% | 638 |
| Cash dividends to net income (ytd only)* | 94.8440% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7208% | 4,301 |
| Loan loss allowance to noncurrent loans | 77.8013% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 1,759 |
| Noncurrent loans to loans | 0.9264% | 904 |
| Net loans and leases to total assets | 33.4979% | 4,350 |
| Net loans and leases to deposits | 36.0120% | 4,390 |
| Net loans and leases to core deposits | 41.6859% | 4,273 |
| Total domestic deposits to total assets | 93.0186% | 510 |
| Equity capital to assets | 6.6318% | 3,960 |
| Core capital (leverage) ratio | 11.3468% | 1,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,589,667 | 3,538 |
| Average earning assets | $137,892,000 | 3,515 |
| Average equity | $13,797,667 | 3,604 |
| Average total loans | $53,026,333 | 3,913 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9980% | 3,266 |
| Cost of funding earning assets | 0.3836% | 962 |
| Net interest margin | 2.6144% | 3,620 |
| Noninterest income to average assets | 0.4049% | 2,652 |
| Noninterest expense to average assets | 1.8637% | 3,769 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9984% | 1,889 |
| Return on assets (ROA) | 0.9984% | 1,885 |
| Pretax return on assets | 0.9984% | 2,447 |
| Return on Equity (ROE) | 9.1843% | 2,252 |
| Retained earnings to average equity (ytd only) | 9.1843% | 1,218 |
| Net charge-offs to loans | -0.2296% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1163% | 2,891 |
| Assets per employee ($millions) | 9.5552% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 3,585 |
| Loan loss allowance to noncurrent loans | 113.9241% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 1,793 |
| Noncurrent loans to loans | 0.9068% | 1,014 |
| Net loans and leases to total assets | 36.0934% | 4,204 |
| Net loans and leases to deposits | 40.2593% | 4,234 |
| Net loans and leases to core deposits | 45.7899% | 4,081 |
| Total domestic deposits to total assets | 89.6524% | 1,739 |
| Equity capital to assets | 10.0246% | 1,873 |
| Core capital (leverage) ratio | 11.7130% | 1,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,226,000 | 3,574 |
| Average earning assets | $135,556,500 | 3,556 |
| Average equity | $15,679,000 | 3,498 |
| Average total loans | $54,011,500 | 3,900 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2854% | 3,256 |
| Cost of funding earning assets | 0.4452% | 1,240 |
| Net interest margin | 2.8402% | 3,583 |
| Noninterest income to average assets | 0.3185% | 3,502 |
| Noninterest expense to average assets | 1.9795% | 3,741 |
| Loan and lease loss provision to assets | 0.0240% | 2,585 |
| Net operating income to assets | 0.9751% | 2,772 |
| Return on assets (ROA) | 1.0081% | 2,708 |
| Pretax return on assets | 1.0081% | 3,241 |
| Return on Equity (ROE) | 7.7725% | 3,292 |
| Retained earnings to average equity (ytd only) | 2.8727% | 3,692 |
| Net charge-offs to loans | -0.0315% | 4,144 |
| Credit loss provision to net charge-offs | -177.7778% | 3,486 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4565% | 2,200 |
| Assets per employee ($millions) | 9.6749% | 738 |
| Cash dividends to net income (ytd only)* | 63.0402% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 4,027 |
| Loan loss allowance to noncurrent loans | 105.8212% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 1,751 |
| Noncurrent loans to loans | 0.8628% | 1,181 |
| Net loans and leases to total assets | 38.0654% | 4,190 |
| Net loans and leases to deposits | 43.3128% | 4,213 |
| Net loans and leases to core deposits | 50.9645% | 3,968 |
| Total domestic deposits to total assets | 87.8848% | 2,109 |
| Equity capital to assets | 11.7072% | 1,390 |
| Core capital (leverage) ratio | 11.9715% | 1,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,116,400 | 3,644 |
| Average earning assets | $124,674,400 | 3,632 |
| Average equity | $17,266,000 | 3,441 |
| Average total loans | $57,100,600 | 3,871 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3625% | 3,213 |
| Cost of funding earning assets | 0.4621% | 1,276 |
| Net interest margin | 2.9005% | 3,551 |
| Noninterest income to average assets | 0.3084% | 3,584 |
| Noninterest expense to average assets | 1.9777% | 3,744 |
| Loan and lease loss provision to assets | 0.0922% | 1,294 |
| Net operating income to assets | 0.9530% | 3,069 |
| Return on assets (ROA) | 0.9929% | 3,015 |
| Pretax return on assets | 0.9929% | 3,483 |
| Return on Equity (ROE) | 7.4529% | 3,547 |
| Retained earnings to average equity (ytd only) | 2.3228% | 4,105 |
| Net charge-offs to loans | -0.0116% | 3,731 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4237% | 2,182 |
| Assets per employee ($millions) | 9.1872% | 838 |
| Cash dividends to net income (ytd only)* | 68.8338% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 3,935 |
| Loan loss allowance to noncurrent loans | 104.3315% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 1,770 |
| Noncurrent loans to loans | 0.9315% | 1,230 |
| Net loans and leases to total assets | 40.9613% | 4,150 |
| Net loans and leases to deposits | 47.0424% | 4,172 |
| Net loans and leases to core deposits | 55.2064% | 3,837 |
| Total domestic deposits to total assets | 87.0733% | 2,329 |
| Equity capital to assets | 12.5624% | 1,149 |
| Core capital (leverage) ratio | 12.4733% | 991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,114,500 | 3,710 |
| Average earning assets | $121,770,750 | 3,702 |
| Average equity | $17,335,000 | 3,483 |
| Average total loans | $57,438,000 | 3,919 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4404% | 3,050 |
| Cost of funding earning assets | 0.4872% | 1,280 |
| Net interest margin | 2.9532% | 3,439 |
| Noninterest income to average assets | 0.2995% | 3,635 |
| Noninterest expense to average assets | 2.0431% | 3,566 |
| Loan and lease loss provision to assets | 0.0941% | 1,334 |
| Net operating income to assets | 0.9283% | 3,137 |
| Return on assets (ROA) | 0.9894% | 3,017 |
| Pretax return on assets | 0.9894% | 3,466 |
| Return on Equity (ROE) | 7.2769% | 3,586 |
| Retained earnings to average equity (ytd only) | 4.1516% | 3,477 |
| Net charge-offs to loans | 0.0243% | 1,459 |
| Credit loss provision to net charge-offs | 857.1429% | 513 |
| Earnings coverage of net charge-offs (x) | 93.1429% | 779 |
| Efficiency ratio | 66.6496% | 2,060 |
| Assets per employee ($millions) | 9.2042% | 799 |
| Cash dividends to net income (ytd only)* | 42.9477% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 4,164 |
| Loan loss allowance to noncurrent loans | 93.2605% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 1,788 |
| Noncurrent loans to loans | 0.9613% | 1,284 |
| Net loans and leases to total assets | 43.9240% | 4,047 |
| Net loans and leases to deposits | 50.9171% | 4,053 |
| Net loans and leases to core deposits | 59.9113% | 3,624 |
| Total domestic deposits to total assets | 86.2656% | 2,642 |
| Equity capital to assets | 13.4022% | 844 |
| Core capital (leverage) ratio | 12.8545% | 833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,550,000 | 3,756 |
| Average earning assets | $119,463,000 | 3,738 |
| Average equity | $17,342,667 | 3,480 |
| Average total loans | $57,583,333 | 3,941 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5060% | 2,909 |
| Cost of funding earning assets | 0.5225% | 1,257 |
| Net interest margin | 2.9834% | 3,303 |
| Noninterest income to average assets | 0.3436% | 3,375 |
| Noninterest expense to average assets | 2.0016% | 3,710 |
| Loan and lease loss provision to assets | 0.0946% | 1,417 |
| Net operating income to assets | 1.0371% | 2,683 |
| Return on assets (ROA) | 1.0970% | 2,563 |
| Pretax return on assets | 1.0970% | 3,120 |
| Return on Equity (ROE) | 8.0097% | 3,313 |
| Retained earnings to average equity (ytd only) | 8.0097% | 2,229 |
| Net charge-offs to loans | -0.0553% | 4,435 |
| Credit loss provision to net charge-offs | -375.0000% | 3,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8833% | 2,480 |
| Assets per employee ($millions) | 8.6138% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 4,321 |
| Loan loss allowance to noncurrent loans | 79.9035% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 0.7283% | 1,273 |
| Noncurrent loans to loans | 1.0530% | 1,278 |
| Net loans and leases to total assets | 45.3304% | 4,017 |
| Net loans and leases to deposits | 52.4882% | 4,023 |
| Net loans and leases to core deposits | 62.8548% | 3,510 |
| Total domestic deposits to total assets | 86.3630% | 2,598 |
| Equity capital to assets | 13.3538% | 820 |
| Core capital (leverage) ratio | 13.1843% | 802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,895,500 | 3,766 |
| Average earning assets | $118,655,000 | 3,759 |
| Average equity | $17,379,000 | 3,477 |
| Average total loans | $57,819,000 | 3,950 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7319% | 3,489 |
| Cost of funding earning assets | 0.6326% | 2,103 |
| Net interest margin | 3.0993% | 3,625 |
| Noninterest income to average assets | 0.3823% | 3,198 |
| Noninterest expense to average assets | 2.1579% | 3,793 |
| Loan and lease loss provision to assets | 0.3254% | 1,119 |
| Net operating income to assets | 0.7960% | 3,110 |
| Return on assets (ROA) | 1.0458% | 2,261 |
| Pretax return on assets | 1.0458% | 2,896 |
| Return on Equity (ROE) | 7.4107% | 3,031 |
| Retained earnings to average equity (ytd only) | 4.0756% | 2,777 |
| Net charge-offs to loans | 0.3227% | 552 |
| Credit loss provision to net charge-offs | 229.3413% | 2,023 |
| Earnings coverage of net charge-offs (x) | 7.9042% | 2,652 |
| Efficiency ratio | 65.8031% | 2,560 |
| Assets per employee ($millions) | 7.7865% | 1,126 |
| Cash dividends to net income (ytd only)* | 45.0041% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8131% | 4,396 |
| Loan loss allowance to noncurrent loans | 386.5546% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.4591% | 2,188 |
| Noncurrent loans to loans | 0.2104% | 3,445 |
| Net loans and leases to total assets | 45.0387% | 4,190 |
| Net loans and leases to deposits | 52.6202% | 4,190 |
| Net loans and leases to core deposits | 63.9544% | 3,694 |
| Total domestic deposits to total assets | 85.5921% | 2,533 |
| Equity capital to assets | 14.0500% | 782 |
| Core capital (leverage) ratio | 13.3691% | 813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,709,000 | 3,771 |
| Average earning assets | $110,024,200 | 3,769 |
| Average equity | $16,611,200 | 3,492 |
| Average total loans | $51,756,400 | 4,074 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7532% | 3,677 |
| Cost of funding earning assets | 0.6503% | 2,319 |
| Net interest margin | 3.1028% | 3,729 |
| Noninterest income to average assets | 0.3793% | 3,190 |
| Noninterest expense to average assets | 2.1358% | 3,863 |
| Loan and lease loss provision to assets | 0.4061% | 858 |
| Net operating income to assets | 0.7391% | 3,324 |
| Return on assets (ROA) | 1.0771% | 2,190 |
| Pretax return on assets | 1.0771% | 2,822 |
| Return on Equity (ROE) | 7.6233% | 2,950 |
| Retained earnings to average equity (ytd only) | 4.3120% | 2,888 |
| Net charge-offs to loans | 0.3824% | 411 |
| Credit loss provision to net charge-offs | 243.4483% | 1,948 |
| Earnings coverage of net charge-offs (x) | 6.8690% | 2,618 |
| Efficiency ratio | 65.1016% | 2,581 |
| Assets per employee ($millions) | 7.4374% | 1,252 |
| Cash dividends to net income (ytd only)* | 43.4365% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8367% | 4,270 |
| Loan loss allowance to noncurrent loans | 111.9107% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.7193% | 1,621 |
| Noncurrent loans to loans | 0.7476% | 1,935 |
| Net loans and leases to total assets | 44.9180% | 4,374 |
| Net loans and leases to deposits | 52.7124% | 4,382 |
| Net loans and leases to core deposits | 64.7126% | 3,970 |
| Total domestic deposits to total assets | 85.2133% | 2,356 |
| Equity capital to assets | 14.4413% | 744 |
| Core capital (leverage) ratio | 13.6908% | 783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,990,250 | 3,786 |
| Average earning assets | $108,457,250 | 3,783 |
| Average equity | $16,388,000 | 3,517 |
| Average total loans | $50,552,750 | 4,122 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7483% | 3,985 |
| Cost of funding earning assets | 0.6692% | 2,563 |
| Net interest margin | 3.0791% | 3,945 |
| Noninterest income to average assets | 0.3896% | 3,145 |
| Noninterest expense to average assets | 2.1863% | 3,831 |
| Loan and lease loss provision to assets | 0.1444% | 2,565 |
| Net operating income to assets | 0.9479% | 2,497 |
| Return on assets (ROA) | 0.9497% | 2,625 |
| Pretax return on assets | 0.9497% | 3,179 |
| Return on Equity (ROE) | 6.7732% | 3,218 |
| Retained earnings to average equity (ytd only) | 3.7712% | 3,030 |
| Net charge-offs to loans | 0.1456% | 989 |
| Credit loss provision to net charge-offs | 230.5556% | 1,806 |
| Earnings coverage of net charge-offs (x) | 17.4444% | 1,815 |
| Efficiency ratio | 66.6844% | 2,420 |
| Assets per employee ($millions) | 7.9333% | 994 |
| Cash dividends to net income (ytd only)* | 44.3223% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5849% | 4,756 |
| Loan loss allowance to noncurrent loans | 95.7096% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.6353% | 1,911 |
| Noncurrent loans to loans | 0.6111% | 2,326 |
| Net loans and leases to total assets | 41.4222% | 4,550 |
| Net loans and leases to deposits | 48.5559% | 4,580 |
| Net loans and leases to core deposits | 59.5278% | 4,287 |
| Total domestic deposits to total assets | 85.3083% | 2,268 |
| Equity capital to assets | 14.3884% | 758 |
| Core capital (leverage) ratio | 13.8327% | 789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,987,333 | 3,786 |
| Average earning assets | $107,888,667 | 3,773 |
| Average equity | $16,122,333 | 3,538 |
| Average total loans | $49,436,000 | 4,155 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8939% | 4,047 |
| Cost of funding earning assets | 0.7155% | 2,867 |
| Net interest margin | 3.1784% | 3,914 |
| Noninterest income to average assets | 0.4567% | 2,753 |
| Noninterest expense to average assets | 2.1632% | 4,091 |
| Loan and lease loss provision to assets | 0.1876% | 1,592 |
| Net operating income to assets | 1.0940% | 1,865 |
| Return on assets (ROA) | 1.0975% | 1,953 |
| Pretax return on assets | 1.0975% | 2,532 |
| Return on Equity (ROE) | 7.9373% | 2,545 |
| Retained earnings to average equity (ytd only) | 7.9373% | 1,251 |
| Net charge-offs to loans | 0.1378% | 909 |
| Credit loss provision to net charge-offs | 311.7647% | 1,149 |
| Earnings coverage of net charge-offs (x) | 21.2941% | 1,391 |
| Efficiency ratio | 62.7955% | 3,403 |
| Assets per employee ($millions) | 7.5034% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5682% | 4,804 |
| Loan loss allowance to noncurrent loans | 69.5761% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.7117% | 1,885 |
| Noncurrent loans to loans | 0.8167% | 1,971 |
| Net loans and leases to total assets | 43.3786% | 4,532 |
| Net loans and leases to deposits | 50.3392% | 4,579 |
| Net loans and leases to core deposits | 61.5085% | 4,291 |
| Total domestic deposits to total assets | 86.1725% | 1,932 |
| Equity capital to assets | 13.5636% | 1,196 |
| Core capital (leverage) ratio | 14.2662% | 843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,981,500 | 3,803 |
| Average earning assets | $106,216,500 | 3,782 |
| Average equity | $15,622,500 | 3,599 |
| Average total loans | $49,363,000 | 4,168 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1420% | 3,948 |
| Cost of funding earning assets | 0.6495% | 3,413 |
| Net interest margin | 3.4925% | 3,471 |
| Noninterest income to average assets | 0.5250% | 2,602 |
| Noninterest expense to average assets | 2.2782% | 4,000 |
| Loan and lease loss provision to assets | 0.1324% | 1,612 |
| Net operating income to assets | 1.4089% | 1,317 |
| Return on assets (ROA) | 1.4098% | 1,390 |
| Pretax return on assets | 1.4098% | 2,120 |
| Return on Equity (ROE) | 10.2943% | 2,161 |
| Retained earnings to average equity (ytd only) | 5.6605% | 2,054 |
| Net charge-offs to loans | 0.5819% | 319 |
| Credit loss provision to net charge-offs | 49.8282% | 3,130 |
| Earnings coverage of net charge-offs (x) | 5.8007% | 3,042 |
| Efficiency ratio | 59.6462% | 3,746 |
| Assets per employee ($millions) | 7.5608% | 842 |
| Cash dividends to net income (ytd only)* | 45.0130% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4897% | 4,898 |
| Loan loss allowance to noncurrent loans | 66.7582% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.6737% | 1,906 |
| Noncurrent loans to loans | 0.7335% | 2,046 |
| Net loans and leases to total assets | 43.5412% | 4,619 |
| Net loans and leases to deposits | 50.9261% | 4,653 |
| Net loans and leases to core deposits | 61.9547% | 4,355 |
| Total domestic deposits to total assets | 85.4989% | 2,294 |
| Equity capital to assets | 14.0893% | 1,071 |
| Core capital (leverage) ratio | 13.8899% | 954 |
| Tier 1 risk-based capital ratio | 23.5056% | 865 |
| Total risk-based capital ratio | 23.8686% | 936 |
| Memoranda: | ||
| Average total assets | $109,516,000 | 3,841 |
| Average earning assets | $103,307,000 | 3,812 |
| Average equity | $14,998,600 | 3,637 |
| Average total loans | $50,007,800 | 4,183 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1872% | 3,946 |
| Cost of funding earning assets | 0.6416% | 3,497 |
| Net interest margin | 3.5456% | 3,420 |
| Noninterest income to average assets | 0.5552% | 2,434 |
| Noninterest expense to average assets | 2.2995% | 3,953 |
| Loan and lease loss provision to assets | 0.1781% | 1,033 |
| Net operating income to assets | 1.4175% | 1,417 |
| Return on assets (ROA) | 1.4188% | 1,471 |
| Pretax return on assets | 1.4188% | 2,238 |
| Return on Equity (ROE) | 10.4379% | 2,237 |
| Retained earnings to average equity (ytd only) | 5.4584% | 2,642 |
| Net charge-offs to loans | 0.7345% | 217 |
| Credit loss provision to net charge-offs | 52.5362% | 2,769 |
| Earnings coverage of net charge-offs (x) | 4.7065% | 2,982 |
| Efficiency ratio | 59.0350% | 3,800 |
| Assets per employee ($millions) | 6.5660% | 1,235 |
| Cash dividends to net income (ytd only)* | 47.7058% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5134% | 4,956 |
| Loan loss allowance to noncurrent loans | 46.4029% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 0.8565% | 1,599 |
| Noncurrent loans to loans | 1.1064% | 1,435 |
| Net loans and leases to total assets | 44.7905% | 4,665 |
| Net loans and leases to deposits | 52.2883% | 4,695 |
| Net loans and leases to core deposits | 63.7403% | 4,383 |
| Total domestic deposits to total assets | 85.6605% | 2,135 |
| Equity capital to assets | 14.0196% | 1,142 |
| Core capital (leverage) ratio | 13.9582% | 998 |
| Tier 1 risk-based capital ratio | 23.2389% | 921 |
| Total risk-based capital ratio | 23.6260% | 995 |
| Memoranda: | ||
| Average total assets | $108,542,000 | 3,891 |
| Average earning assets | $102,246,000 | 3,869 |
| Average equity | $14,753,500 | 3,690 |
| Average total loans | $50,103,750 | 4,229 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 3,906 |
| Cost of funding earning assets | 0.6208% | 3,547 |
| Net interest margin | 3.5874% | 3,305 |
| Noninterest income to average assets | 0.4595% | 2,914 |
| Noninterest expense to average assets | 2.4759% | 3,556 |
| Loan and lease loss provision to assets | 0.0372% | 3,071 |
| Net operating income to assets | 1.3431% | 1,608 |
| Return on assets (ROA) | 1.3505% | 1,639 |
| Pretax return on assets | 1.3505% | 2,379 |
| Return on Equity (ROE) | 10.0450% | 2,362 |
| Retained earnings to average equity (ytd only) | 5.3822% | 2,583 |
| Net charge-offs to loans | 0.4515% | 359 |
| Credit loss provision to net charge-offs | 17.6991% | 2,672 |
| Earnings coverage of net charge-offs (x) | 6.5664% | 2,553 |
| Efficiency ratio | 64.2065% | 3,098 |
| Assets per employee ($millions) | 7.2382% | 910 |
| Cash dividends to net income (ytd only)* | 46.4187% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5791% | 4,912 |
| Loan loss allowance to noncurrent loans | 36.8618% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 0.7396% | 1,874 |
| Noncurrent loans to loans | 1.5710% | 973 |
| Net loans and leases to total assets | 46.8063% | 4,612 |
| Net loans and leases to deposits | 54.6417% | 4,656 |
| Net loans and leases to core deposits | 66.6514% | 4,284 |
| Total domestic deposits to total assets | 85.6603% | 2,195 |
| Equity capital to assets | 14.0191% | 1,108 |
| Core capital (leverage) ratio | 13.8635% | 1,007 |
| Tier 1 risk-based capital ratio | 21.1625% | 1,156 |
| Total risk-based capital ratio | 21.5727% | 1,253 |
| Memoranda: | ||
| Average total assets | $107,515,330 | 3,933 |
| Average earning assets | $101,801,670 | 3,901 |
| Average equity | $14,455,000 | 3,727 |
| Average total loans | $50,053,670 | 4,258 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1817% | 3,923 |
| Cost of funding earning assets | 0.5794% | 3,680 |
| Net interest margin | 3.6023% | 3,239 |
| Noninterest income to average assets | 0.4748% | 2,708 |
| Noninterest expense to average assets | 2.3405% | 3,924 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5516% | 1,006 |
| Return on assets (ROA) | 1.5666% | 997 |
| Pretax return on assets | 1.5666% | 1,554 |
| Return on Equity (ROE) | 11.9102% | 1,568 |
| Retained earnings to average equity (ytd only) | 11.9102% | 624 |
| Net charge-offs to loans | 0.0404% | 1,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 748 |
| Efficiency ratio | 60.1345% | 3,788 |
| Assets per employee ($millions) | 7.3457% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7821% | 4,573 |
| Loan loss allowance to noncurrent loans | 47.3490% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 0.7360% | 1,905 |
| Noncurrent loans to loans | 1.6517% | 949 |
| Net loans and leases to total assets | 44.2129% | 4,740 |
| Net loans and leases to deposits | 51.0784% | 4,780 |
| Net loans and leases to core deposits | 61.8930% | 4,488 |
| Total domestic deposits to total assets | 86.5590% | 2,034 |
| Equity capital to assets | 13.1833% | 1,354 |
| Core capital (leverage) ratio | 14.3159% | 865 |
| Tier 1 risk-based capital ratio | 21.6602% | 1,088 |
| Total risk-based capital ratio | 22.2037% | 1,151 |
| Memoranda: | ||
| Average total assets | $106,986,500 | 3,983 |
| Average earning assets | $101,489,500 | 3,948 |
| Average equity | $14,072,000 | 3,788 |
| Average total loans | $49,523,000 | 4,313 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0796% | 3,800 |
| Cost of funding earning assets | 0.4938% | 3,398 |
| Net interest margin | 3.5858% | 3,432 |
| Noninterest income to average assets | 0.5079% | 2,789 |
| Noninterest expense to average assets | 2.0927% | 4,583 |
| Loan and lease loss provision to assets | 0.0281% | 3,613 |
| Net operating income to assets | 1.7734% | 592 |
| Return on assets (ROA) | 1.7811% | 571 |
| Pretax return on assets | 1.7811% | 969 |
| Return on Equity (ROE) | 13.9620% | 1,054 |
| Retained earnings to average equity (ytd only) | 7.6749% | 1,386 |
| Net charge-offs to loans | 0.1659% | 1,162 |
| Credit loss provision to net charge-offs | 35.3659% | 3,317 |
| Earnings coverage of net charge-offs (x) | 22.7073% | 1,888 |
| Efficiency ratio | 53.7391% | 4,641 |
| Assets per employee ($millions) | 7.4134% | 829 |
| Cash dividends to net income (ytd only)* | 45.0299% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7788% | 4,608 |
| Loan loss allowance to noncurrent loans | 46.9807% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 0.7978% | 1,746 |
| Noncurrent loans to loans | 1.6578% | 880 |
| Net loans and leases to total assets | 47.7483% | 4,656 |
| Net loans and leases to deposits | 55.1056% | 4,701 |
| Net loans and leases to core deposits | 66.9952% | 4,298 |
| Total domestic deposits to total assets | 86.6487% | 1,943 |
| Equity capital to assets | 13.1210% | 1,292 |
| Core capital (leverage) ratio | 13.9734% | 930 |
| Tier 1 risk-based capital ratio | 21.4866% | 1,096 |
| Total risk-based capital ratio | 22.0482% | 1,161 |
| Memoranda: | ||
| Average total assets | $103,360,600 | 4,046 |
| Average earning assets | $97,606,800 | 4,014 |
| Average equity | $13,185,800 | 3,858 |
| Average total loans | $49,421,600 | 4,329 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0350% | 3,829 |
| Cost of funding earning assets | 0.4725% | 3,379 |
| Net interest margin | 3.5625% | 3,484 |
| Noninterest income to average assets | 0.5268% | 2,702 |
| Noninterest expense to average assets | 2.0364% | 4,670 |
| Loan and lease loss provision to assets | 0.0181% | 3,652 |
| Net operating income to assets | 1.8310% | 572 |
| Return on assets (ROA) | 1.8414% | 563 |
| Pretax return on assets | 1.8414% | 925 |
| Return on Equity (ROE) | 14.5384% | 973 |
| Retained earnings to average equity (ytd only) | 7.8503% | 1,726 |
| Net charge-offs to loans | 0.2002% | 846 |
| Credit loss provision to net charge-offs | 18.9189% | 3,022 |
| Earnings coverage of net charge-offs (x) | 19.3522% | 2,011 |
| Efficiency ratio | 52.4094% | 4,767 |
| Assets per employee ($millions) | 7.4516% | 790 |
| Cash dividends to net income (ytd only)* | 46.0025% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7664% | 4,716 |
| Loan loss allowance to noncurrent loans | 54.6495% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 0.6700% | 2,190 |
| Noncurrent loans to loans | 1.4024% | 1,181 |
| Net loans and leases to total assets | 47.4104% | 4,741 |
| Net loans and leases to deposits | 54.3254% | 4,811 |
| Net loans and leases to core deposits | 65.8098% | 4,416 |
| Total domestic deposits to total assets | 87.2713% | 1,614 |
| Equity capital to assets | 12.4105% | 1,644 |
| Core capital (leverage) ratio | 14.0879% | 912 |
| Tier 1 risk-based capital ratio | 21.0187% | 1,184 |
| Total risk-based capital ratio | 21.5671% | 1,254 |
| Memoranda: | ||
| Average total assets | $103,253,750 | 4,090 |
| Average earning assets | $97,344,750 | 4,054 |
| Average equity | $13,077,750 | 3,906 |
| Average total loans | $49,290,500 | 4,376 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0141% | 3,745 |
| Cost of funding earning assets | 0.4458% | 3,382 |
| Net interest margin | 3.5683% | 3,417 |
| Noninterest income to average assets | 0.5287% | 2,699 |
| Noninterest expense to average assets | 2.0817% | 4,647 |
| Loan and lease loss provision to assets | 0.0272% | 3,372 |
| Net operating income to assets | 1.7804% | 607 |
| Return on assets (ROA) | 1.7960% | 588 |
| Pretax return on assets | 1.7960% | 972 |
| Return on Equity (ROE) | 14.0839% | 1,056 |
| Retained earnings to average equity (ytd only) | 7.4535% | 1,862 |
| Net charge-offs to loans | 0.1996% | 789 |
| Credit loss provision to net charge-offs | 28.5714% | 2,634 |
| Earnings coverage of net charge-offs (x) | 18.9796% | 1,872 |
| Efficiency ratio | 53.5232% | 4,739 |
| Assets per employee ($millions) | 7.3223% | 824 |
| Cash dividends to net income (ytd only)* | 47.0779% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8232% | 4,628 |
| Loan loss allowance to noncurrent loans | 57.7305% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 2,176 |
| Noncurrent loans to loans | 1.4259% | 1,185 |
| Net loans and leases to total assets | 47.8324% | 4,729 |
| Net loans and leases to deposits | 54.9345% | 4,804 |
| Net loans and leases to core deposits | 66.7692% | 4,322 |
| Total domestic deposits to total assets | 87.0718% | 1,809 |
| Equity capital to assets | 12.6590% | 1,459 |
| Core capital (leverage) ratio | 13.9481% | 921 |
| Tier 1 risk-based capital ratio | 20.6321% | 1,225 |
| Total risk-based capital ratio | 21.2169% | 1,296 |
| Memoranda: | ||
| Average total assets | $102,897,330 | 4,131 |
| Average earning assets | $96,908,670 | 4,099 |
| Average equity | $13,121,330 | 3,914 |
| Average total loans | $49,106,670 | 4,424 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9722% | 3,716 |
| Cost of funding earning assets | 0.4222% | 3,427 |
| Net interest margin | 3.5500% | 3,344 |
| Noninterest income to average assets | 0.5937% | 2,294 |
| Noninterest expense to average assets | 1.9284% | 4,977 |
| Loan and lease loss provision to assets | 0.0543% | 2,681 |
| Net operating income to assets | 1.9711% | 397 |
| Return on assets (ROA) | 1.9711% | 398 |
| Pretax return on assets | 1.9711% | 610 |
| Return on Equity (ROE) | 15.4015% | 728 |
| Retained earnings to average equity (ytd only) | 15.4015% | 293 |
| Net charge-offs to loans | 0.3269% | 470 |
| Credit loss provision to net charge-offs | 35.0000% | 2,040 |
| Earnings coverage of net charge-offs (x) | 13.0500% | 1,772 |
| Efficiency ratio | 48.7733% | 5,157 |
| Assets per employee ($millions) | 7.3004% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8323% | 4,696 |
| Loan loss allowance to noncurrent loans | 50.5468% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 0.8052% | 1,968 |
| Noncurrent loans to loans | 1.6466% | 1,051 |
| Net loans and leases to total assets | 48.4976% | 4,662 |
| Net loans and leases to deposits | 55.7521% | 4,710 |
| Net loans and leases to core deposits | 67.7182% | 4,230 |
| Total domestic deposits to total assets | 86.9879% | 2,127 |
| Equity capital to assets | 12.8037% | 1,337 |
| Core capital (leverage) ratio | 13.7241% | 940 |
| Tier 1 risk-based capital ratio | 22.0496% | 1,043 |
| Total risk-based capital ratio | 22.6875% | 1,107 |
| Memoranda: | ||
| Average total assets | $103,090,000 | 4,173 |
| Average earning assets | $97,577,500 | 4,137 |
| Average equity | $13,193,500 | 3,942 |
| Average total loans | $48,939,500 | 4,471 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9502% | 3,570 |
| Cost of funding earning assets | 0.4075% | 3,184 |
| Net interest margin | 3.5428% | 3,365 |
| Noninterest income to average assets | 0.5055% | 2,965 |
| Noninterest expense to average assets | 1.9671% | 5,015 |
| Loan and lease loss provision to assets | 0.1237% | 1,850 |
| Net operating income to assets | 1.6926% | 532 |
| Return on assets (ROA) | 1.7148% | 525 |
| Pretax return on assets | 1.7148% | 970 |
| Return on Equity (ROE) | 13.7307% | 804 |
| Retained earnings to average equity (ytd only) | 7.5542% | 903 |
| Net charge-offs to loans | 0.1560% | 1,557 |
| Credit loss provision to net charge-offs | 177.7778% | 1,520 |
| Earnings coverage of net charge-offs (x) | 26.0972% | 1,688 |
| Efficiency ratio | 51.9928% | 5,103 |
| Assets per employee ($millions) | 7.4268% | 798 |
| Cash dividends to net income (ytd only)* | 44.9831% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9228% | 4,358 |
| Loan loss allowance to noncurrent loans | 334.8485% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 4,490 |
| Noncurrent loans to loans | 0.2756% | 3,792 |
| Net loans and leases to total assets | 45.6398% | 4,908 |
| Net loans and leases to deposits | 52.4336% | 4,964 |
| Net loans and leases to core deposits | 66.4027% | 4,394 |
| Total domestic deposits to total assets | 87.0430% | 1,975 |
| Equity capital to assets | 12.7925% | 1,358 |
| Core capital (leverage) ratio | 13.1647% | 1,085 |
| Tier 1 risk-based capital ratio | 20.2692% | 1,270 |
| Total risk-based capital ratio | 20.9150% | 1,351 |
| Memoranda: | ||
| Average total assets | $103,452,600 | 4,178 |
| Average earning assets | $95,716,400 | 4,166 |
| Average equity | $12,920,000 | 3,993 |
| Average total loans | $46,142,800 | 4,563 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9337% | 3,576 |
| Cost of funding earning assets | 0.3967% | 3,232 |
| Net interest margin | 3.5370% | 3,362 |
| Noninterest income to average assets | 0.5252% | 2,867 |
| Noninterest expense to average assets | 1.8879% | 5,153 |
| Loan and lease loss provision to assets | 0.0581% | 2,924 |
| Net operating income to assets | 1.8350% | 433 |
| Return on assets (ROA) | 1.8647% | 426 |
| Pretax return on assets | 1.8647% | 757 |
| Return on Equity (ROE) | 15.0227% | 648 |
| Retained earnings to average equity (ytd only) | 8.2962% | 1,097 |
| Net charge-offs to loans | 0.1254% | 1,531 |
| Credit loss provision to net charge-offs | 104.6512% | 2,212 |
| Earnings coverage of net charge-offs (x) | 34.1174% | 1,453 |
| Efficiency ratio | 49.9317% | 5,253 |
| Assets per employee ($millions) | 7.6000% | 729 |
| Cash dividends to net income (ytd only)* | 44.7753% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8205% | 4,839 |
| Loan loss allowance to noncurrent loans | 150.3876% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 4,087 |
| Noncurrent loans to loans | 0.5456% | 3,063 |
| Net loans and leases to total assets | 44.0818% | 5,019 |
| Net loans and leases to deposits | 50.6129% | 5,101 |
| Net loans and leases to core deposits | 65.5052% | 4,516 |
| Total domestic deposits to total assets | 87.0959% | 1,829 |
| Equity capital to assets | 12.6852% | 1,555 |
| Core capital (leverage) ratio | 13.0687% | 1,188 |
| Tier 1 risk-based capital ratio | 20.0742% | 1,344 |
| Total risk-based capital ratio | 20.6430% | 1,458 |
| Memoranda: | ||
| Average total assets | $103,322,000 | 4,219 |
| Average earning assets | $95,107,750 | 4,217 |
| Average equity | $12,824,750 | 4,046 |
| Average total loans | $45,704,500 | 4,616 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9627% | 3,340 |
| Cost of funding earning assets | 0.3821% | 3,270 |
| Net interest margin | 3.5806% | 3,108 |
| Noninterest income to average assets | 0.5377% | 2,778 |
| Noninterest expense to average assets | 1.9336% | 5,113 |
| Loan and lease loss provision to assets | 0.0391% | 3,231 |
| Net operating income to assets | 1.8261% | 431 |
| Return on assets (ROA) | 1.8710% | 407 |
| Pretax return on assets | 1.8710% | 710 |
| Return on Equity (ROE) | 15.1897% | 631 |
| Retained earnings to average equity (ytd only) | 8.2535% | 1,070 |
| Net charge-offs to loans | 0.1859% | 1,068 |
| Credit loss provision to net charge-offs | 47.6190% | 2,587 |
| Earnings coverage of net charge-offs (x) | 22.7143% | 1,700 |
| Efficiency ratio | 50.9007% | 5,250 |
| Assets per employee ($millions) | 7.3808% | 785 |
| Cash dividends to net income (ytd only)* | 45.6635% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7863% | 4,982 |
| Loan loss allowance to noncurrent loans | 295.9350% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 4,717 |
| Noncurrent loans to loans | 0.2657% | 4,089 |
| Net loans and leases to total assets | 44.4504% | 5,017 |
| Net loans and leases to deposits | 51.0935% | 5,097 |
| Net loans and leases to core deposits | 66.5127% | 4,437 |
| Total domestic deposits to total assets | 86.9981% | 1,959 |
| Equity capital to assets | 12.8084% | 1,467 |
| Core capital (leverage) ratio | 12.9643% | 1,188 |
| Tier 1 risk-based capital ratio | 20.1010% | 1,353 |
| Total risk-based capital ratio | 20.6465% | 1,448 |
| Memoranda: | ||
| Average total assets | $102,296,000 | 4,264 |
| Average earning assets | $93,168,330 | 4,287 |
| Average equity | $12,600,670 | 4,095 |
| Average total loans | $45,175,670 | 4,657 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9438% | 3,227 |
| Cost of funding earning assets | 0.3684% | 3,335 |
| Net interest margin | 3.5754% | 2,978 |
| Noninterest income to average assets | 0.5541% | 2,639 |
| Noninterest expense to average assets | 1.8118% | 5,358 |
| Loan and lease loss provision to assets | 0.0786% | 2,242 |
| Net operating income to assets | 1.9061% | 359 |
| Return on assets (ROA) | 1.9061% | 371 |
| Pretax return on assets | 1.9061% | 619 |
| Return on Equity (ROE) | 15.7935% | 551 |
| Retained earnings to average equity (ytd only) | 15.7935% | 206 |
| Net charge-offs to loans | 0.2152% | 823 |
| Credit loss provision to net charge-offs | 83.3333% | 1,732 |
| Earnings coverage of net charge-offs (x) | 21.0417% | 1,462 |
| Efficiency ratio | 47.7226% | 5,479 |
| Assets per employee ($millions) | 7.3631% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8477% | 4,931 |
| Loan loss allowance to noncurrent loans | 471.6049% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.0786% | 4,957 |
| Noncurrent loans to loans | 0.1797% | 4,484 |
| Net loans and leases to total assets | 43.3452% | 5,075 |
| Net loans and leases to deposits | 49.4752% | 5,160 |
| Net loans and leases to core deposits | 62.0868% | 4,653 |
| Total domestic deposits to total assets | 87.6101% | 1,937 |
| Equity capital to assets | 12.2541% | 1,684 |
| Core capital (leverage) ratio | 13.1203% | 1,094 |
| Tier 1 risk-based capital ratio | 20.4506% | 1,307 |
| Total risk-based capital ratio | 21.0345% | 1,399 |
| Memoranda: | ||
| Average total assets | $101,778,500 | 4,316 |
| Average earning assets | $92,297,000 | 4,345 |
| Average equity | $12,283,500 | 4,169 |
| Average total loans | $44,616,000 | 4,711 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8089% | 3,875 |
| Cost of funding earning assets | 0.3504% | 3,515 |
| Net interest margin | 3.4585% | 3,594 |
| Noninterest income to average assets | 0.4466% | 3,571 |
| Noninterest expense to average assets | 1.8739% | 5,392 |
| Loan and lease loss provision to assets | 0.1328% | 1,878 |
| Net operating income to assets | 1.6768% | 579 |
| Return on assets (ROA) | 1.7784% | 482 |
| Pretax return on assets | 1.7784% | 843 |
| Return on Equity (ROE) | 14.0233% | 768 |
| Retained earnings to average equity (ytd only) | 7.7096% | 956 |
| Net charge-offs to loans | 0.0480% | 3,082 |
| Credit loss provision to net charge-offs | 660.0000% | 527 |
| Earnings coverage of net charge-offs (x) | 89.9500% | 656 |
| Efficiency ratio | 50.8738% | 5,439 |
| Assets per employee ($millions) | 7.7287% | 676 |
| Cash dividends to net income (ytd only)* | 45.0226% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 4,884 |
| Loan loss allowance to noncurrent loans | 129.5302% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 4,088 |
| Noncurrent loans to loans | 0.6747% | 2,845 |
| Net loans and leases to total assets | 43.5759% | 5,140 |
| Net loans and leases to deposits | 49.5148% | 5,230 |
| Net loans and leases to core deposits | 62.3640% | 4,734 |
| Total domestic deposits to total assets | 88.0057% | 1,628 |
| Equity capital to assets | 11.8788% | 1,894 |
| Core capital (leverage) ratio | 13.4819% | 972 |
| Tier 1 risk-based capital ratio | 20.0707% | 1,363 |
| Total risk-based capital ratio | 20.6715% | 1,458 |
| Memoranda: | ||
| Average total assets | $99,417,600 | 4,356 |
| Average earning assets | $93,045,600 | 4,320 |
| Average equity | $12,607,600 | 4,153 |
| Average total loans | $41,679,400 | 4,826 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7833% | 3,972 |
| Cost of funding earning assets | 0.3429% | 3,625 |
| Net interest margin | 3.4404% | 3,702 |
| Noninterest income to average assets | 0.4316% | 3,681 |
| Noninterest expense to average assets | 1.8086% | 5,506 |
| Loan and lease loss provision to assets | 0.1345% | 1,746 |
| Net operating income to assets | 1.7266% | 567 |
| Return on assets (ROA) | 1.8624% | 457 |
| Pretax return on assets | 1.8624% | 778 |
| Return on Equity (ROE) | 14.4541% | 748 |
| Retained earnings to average equity (ytd only) | 7.9941% | 1,176 |
| Net charge-offs to loans | 0.0520% | 2,625 |
| Credit loss provision to net charge-offs | 625.0000% | 598 |
| Earnings coverage of net charge-offs (x) | 86.5115% | 726 |
| Efficiency ratio | 49.2855% | 5,542 |
| Assets per employee ($millions) | 7.9141% | 608 |
| Cash dividends to net income (ytd only)* | 44.6930% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8407% | 5,070 |
| Loan loss allowance to noncurrent loans | 1,193.3333% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 5,384 |
| Noncurrent loans to loans | 0.0705% | 5,066 |
| Net loans and leases to total assets | 41.0418% | 5,331 |
| Net loans and leases to deposits | 47.1519% | 5,404 |
| Net loans and leases to core deposits | 59.8240% | 4,937 |
| Total domestic deposits to total assets | 87.0416% | 1,874 |
| Equity capital to assets | 12.7971% | 1,597 |
| Core capital (leverage) ratio | 12.6603% | 1,329 |
| Tier 1 risk-based capital ratio | 20.1410% | 1,420 |
| Total risk-based capital ratio | 20.7092% | 1,518 |
| Memoranda: | ||
| Average total assets | $99,153,750 | 4,394 |
| Average earning assets | $93,320,500 | 4,356 |
| Average equity | $12,775,750 | 4,163 |
| Average total loans | $41,057,250 | 4,889 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7851% | 4,006 |
| Cost of funding earning assets | 0.3332% | 3,761 |
| Net interest margin | 3.4519% | 3,674 |
| Noninterest income to average assets | 0.3697% | 4,103 |
| Noninterest expense to average assets | 1.7506% | 5,646 |
| Loan and lease loss provision to assets | 0.1021% | 2,143 |
| Net operating income to assets | 1.8180% | 466 |
| Return on assets (ROA) | 1.9937% | 350 |
| Pretax return on assets | 1.9937% | 575 |
| Return on Equity (ROE) | 15.4361% | 619 |
| Retained earnings to average equity (ytd only) | 8.0660% | 1,150 |
| Net charge-offs to loans | 0.2466% | 959 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 18.8000% | 1,807 |
| Efficiency ratio | 47.6906% | 5,686 |
| Assets per employee ($millions) | 7.6082% | 670 |
| Cash dividends to net income (ytd only)* | 47.7459% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6534% | 5,603 |
| Loan loss allowance to noncurrent loans | 1,611.7647% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 5,532 |
| Noncurrent loans to loans | 0.0405% | 5,303 |
| Net loans and leases to total assets | 42.1204% | 5,335 |
| Net loans and leases to deposits | 48.5616% | 5,399 |
| Net loans and leases to core deposits | 61.8661% | 4,896 |
| Total domestic deposits to total assets | 86.7360% | 2,045 |
| Equity capital to assets | 13.1214% | 1,437 |
| Core capital (leverage) ratio | 12.5366% | 1,335 |
| Tier 1 risk-based capital ratio | 20.2825% | 1,390 |
| Total risk-based capital ratio | 20.7295% | 1,537 |
| Memoranda: | ||
| Average total assets | $97,910,670 | 4,450 |
| Average earning assets | $93,630,000 | 4,391 |
| Average equity | $12,645,670 | 4,209 |
| Average total loans | $40,548,670 | 4,954 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6555% | 4,459 |
| Cost of funding earning assets | 0.3170% | 3,985 |
| Net interest margin | 3.3386% | 4,083 |
| Noninterest income to average assets | 0.2792% | 4,716 |
| Noninterest expense to average assets | 1.7575% | 5,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7657% | 495 |
| Return on assets (ROA) | 2.0038% | 343 |
| Pretax return on assets | 2.0038% | 563 |
| Return on Equity (ROE) | 15.6417% | 579 |
| Retained earnings to average equity (ytd only) | 15.6417% | 207 |
| Net charge-offs to loans | -0.0502% | 5,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8834% | 5,633 |
| Assets per employee ($millions) | 7.5850% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6795% | 5,629 |
| Loan loss allowance to noncurrent loans | 71.9072% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 4,018 |
| Noncurrent loans to loans | 0.9449% | 2,488 |
| Net loans and leases to total assets | 41.3600% | 5,381 |
| Net loans and leases to deposits | 47.5892% | 5,439 |
| Net loans and leases to core deposits | 60.4345% | 4,909 |
| Total domestic deposits to total assets | 86.9104% | 2,249 |
| Equity capital to assets | 12.9862% | 1,419 |
| Core capital (leverage) ratio | 12.8421% | 1,221 |
| Tier 1 risk-based capital ratio | 21.4093% | 1,244 |
| Total risk-based capital ratio | 21.8906% | 1,355 |
| Memoranda: | ||
| Average total assets | $97,412,500 | 4,504 |
| Average earning assets | $94,651,500 | 4,406 |
| Average equity | $12,479,500 | 4,245 |
| Average total loans | $39,856,000 | 5,011 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4530% | 5,038 |
| Cost of funding earning assets | 0.3174% | 4,066 |
| Net interest margin | 3.1356% | 4,820 |
| Noninterest income to average assets | 0.4087% | 3,967 |
| Noninterest expense to average assets | 1.8343% | 5,696 |
| Loan and lease loss provision to assets | 0.0786% | 2,712 |
| Net operating income to assets | 1.5264% | 820 |
| Return on assets (ROA) | 1.5901% | 743 |
| Pretax return on assets | 1.5901% | 1,277 |
| Return on Equity (ROE) | 12.7333% | 1,113 |
| Retained earnings to average equity (ytd only) | 7.0042% | 1,281 |
| Net charge-offs to loans | 0.4139% | 692 |
| Credit loss provision to net charge-offs | 52.1127% | 3,378 |
| Earnings coverage of net charge-offs (x) | 10.6479% | 2,667 |
| Efficiency ratio | 53.3333% | 5,561 |
| Assets per employee ($millions) | 7.4015% | 745 |
| Cash dividends to net income (ytd only)* | 44.9933% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7089% | 5,620 |
| Loan loss allowance to noncurrent loans | 50.8349% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 0.5602% | 3,412 |
| Noncurrent loans to loans | 1.3946% | 1,677 |
| Net loans and leases to total assets | 39.8836% | 5,520 |
| Net loans and leases to deposits | 45.7004% | 5,582 |
| Net loans and leases to core deposits | 56.8163% | 5,163 |
| Total domestic deposits to total assets | 87.2719% | 2,000 |
| Equity capital to assets | 12.6315% | 1,543 |
| Core capital (leverage) ratio | 12.3781% | 1,408 |
| Tier 1 risk-based capital ratio | 21.3025% | 1,251 |
| Total risk-based capital ratio | 21.7920% | 1,347 |
| Memoranda: | ||
| Average total assets | $94,206,400 | 4,578 |
| Average earning assets | $91,051,600 | 4,483 |
| Average equity | $11,764,400 | 4,346 |
| Average total loans | $34,308,000 | 5,213 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3928% | 5,220 |
| Cost of funding earning assets | 0.3183% | 4,128 |
| Net interest margin | 3.0745% | 5,024 |
| Noninterest income to average assets | 0.3984% | 4,095 |
| Noninterest expense to average assets | 1.7744% | 5,815 |
| Loan and lease loss provision to assets | 0.0839% | 2,495 |
| Net operating income to assets | 1.5083% | 909 |
| Return on assets (ROA) | 1.5140% | 933 |
| Pretax return on assets | 1.5140% | 1,646 |
| Return on Equity (ROE) | 12.1593% | 1,332 |
| Retained earnings to average equity (ytd only) | 6.6282% | 1,876 |
| Net charge-offs to loans | 0.5458% | 423 |
| Credit loss provision to net charge-offs | 43.3824% | 3,121 |
| Earnings coverage of net charge-offs (x) | 8.2279% | 2,833 |
| Efficiency ratio | 52.7050% | 5,602 |
| Assets per employee ($millions) | 7.3141% | 749 |
| Cash dividends to net income (ytd only)* | 45.4890% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7066% | 5,717 |
| Loan loss allowance to noncurrent loans | 77.7126% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3586% | 4,339 |
| Noncurrent loans to loans | 0.9092% | 2,699 |
| Net loans and leases to total assets | 39.1647% | 5,636 |
| Net loans and leases to deposits | 44.8619% | 5,691 |
| Net loans and leases to core deposits | 56.7798% | 5,263 |
| Total domestic deposits to total assets | 87.3006% | 1,892 |
| Equity capital to assets | 12.5564% | 1,714 |
| Core capital (leverage) ratio | 12.3103% | 1,506 |
| Tier 1 risk-based capital ratio | 21.5444% | 1,259 |
| Total risk-based capital ratio | 22.0332% | 1,358 |
| Memoranda: | ||
| Average total assets | $93,703,000 | 4,639 |
| Average earning assets | $90,463,500 | 4,543 |
| Average equity | $11,667,000 | 4,412 |
| Average total loans | $33,222,500 | 5,314 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3155% | 5,408 |
| Cost of funding earning assets | 0.3142% | 4,229 |
| Net interest margin | 3.0013% | 5,214 |
| Noninterest income to average assets | 0.3990% | 4,086 |
| Noninterest expense to average assets | 1.7503% | 5,924 |
| Loan and lease loss provision to assets | 0.0515% | 3,088 |
| Net operating income to assets | 1.4864% | 920 |
| Return on assets (ROA) | 1.4950% | 949 |
| Pretax return on assets | 1.4950% | 1,662 |
| Return on Equity (ROE) | 12.0418% | 1,359 |
| Retained earnings to average equity (ytd only) | 6.6342% | 1,883 |
| Net charge-offs to loans | 0.7297% | 310 |
| Credit loss provision to net charge-offs | 20.6897% | 3,014 |
| Earnings coverage of net charge-offs (x) | 6.1810% | 2,813 |
| Efficiency ratio | 53.2290% | 5,633 |
| Assets per employee ($millions) | 7.1270% | 792 |
| Cash dividends to net income (ytd only)* | 44.9067% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7224% | 5,762 |
| Loan loss allowance to noncurrent loans | 80.1282% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 4,529 |
| Noncurrent loans to loans | 0.9016% | 2,871 |
| Net loans and leases to total assets | 37.0811% | 5,774 |
| Net loans and leases to deposits | 42.3798% | 5,823 |
| Net loans and leases to core deposits | 53.9510% | 5,420 |
| Total domestic deposits to total assets | 87.4972% | 1,905 |
| Equity capital to assets | 12.3830% | 1,741 |
| Core capital (leverage) ratio | 12.3925% | 1,436 |
| Tier 1 risk-based capital ratio | 22.6288% | 1,124 |
| Total risk-based capital ratio | 23.1215% | 1,209 |
| Memoranda: | ||
| Average total assets | $93,243,000 | 4,698 |
| Average earning assets | $89,761,000 | 4,602 |
| Average equity | $11,576,330 | 4,458 |
| Average total loans | $31,795,330 | 5,406 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2394% | 5,578 |
| Cost of funding earning assets | 0.3070% | 4,367 |
| Net interest margin | 2.9323% | 5,380 |
| Noninterest income to average assets | 0.3464% | 4,427 |
| Noninterest expense to average assets | 1.7704% | 5,937 |
| Loan and lease loss provision to assets | 0.0385% | 3,135 |
| Net operating income to assets | 1.3556% | 1,126 |
| Return on assets (ROA) | 1.3556% | 1,192 |
| Pretax return on assets | 1.3556% | 2,047 |
| Return on Equity (ROE) | 10.9047% | 1,658 |
| Retained earnings to average equity (ytd only) | 10.9047% | 733 |
| Net charge-offs to loans | 0.7634% | 306 |
| Credit loss provision to net charge-offs | 15.5172% | 2,393 |
| Earnings coverage of net charge-offs (x) | 5.6207% | 2,369 |
| Efficiency ratio | 55.9459% | 5,519 |
| Assets per employee ($millions) | 7.2224% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 5,345 |
| Loan loss allowance to noncurrent loans | 94.5161% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.3302% | 4,663 |
| Noncurrent loans to loans | 0.9798% | 2,808 |
| Net loans and leases to total assets | 33.3866% | 5,942 |
| Net loans and leases to deposits | 38.2262% | 5,977 |
| Net loans and leases to core deposits | 48.4835% | 5,650 |
| Total domestic deposits to total assets | 87.3396% | 2,194 |
| Equity capital to assets | 12.5603% | 1,655 |
| Core capital (leverage) ratio | 12.2069% | 1,505 |
| Tier 1 risk-based capital ratio | 23.6678% | 1,031 |
| Total risk-based capital ratio | 24.2753% | 1,084 |
| Memoranda: | ||
| Average total assets | $93,539,000 | 4,734 |
| Average earning assets | $89,894,500 | 4,640 |
| Average equity | $11,628,000 | 4,483 |
| Average total loans | $30,390,000 | 5,492 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5540% | 5,198 |
| Cost of funding earning assets | 0.2868% | 4,932 |
| Net interest margin | 3.2672% | 4,693 |
| Noninterest income to average assets | 0.3562% | 4,553 |
| Noninterest expense to average assets | 1.9928% | 5,776 |
| Loan and lease loss provision to assets | 0.1203% | 2,168 |
| Net operating income to assets | 1.3827% | 1,116 |
| Return on assets (ROA) | 1.5885% | 760 |
| Pretax return on assets | 1.5885% | 1,272 |
| Return on Equity (ROE) | 12.3925% | 1,299 |
| Retained earnings to average equity (ytd only) | 6.8159% | 1,490 |
| Net charge-offs to loans | 0.0927% | 3,169 |
| Credit loss provision to net charge-offs | 400.0000% | 647 |
| Earnings coverage of net charge-offs (x) | 49.9600% | 926 |
| Efficiency ratio | 57.0052% | 5,570 |
| Assets per employee ($millions) | 7.1682% | 774 |
| Cash dividends to net income (ytd only)* | 45.0000% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 4,147 |
| Loan loss allowance to noncurrent loans | 743.4783% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 5,831 |
| Noncurrent loans to loans | 0.1579% | 5,265 |
| Net loans and leases to total assets | 30.9035% | 6,151 |
| Net loans and leases to deposits | 35.2714% | 6,190 |
| Net loans and leases to core deposits | 43.9523% | 5,957 |
| Total domestic deposits to total assets | 87.6163% | 1,971 |
| Equity capital to assets | 12.3011% | 1,784 |
| Core capital (leverage) ratio | 12.2933% | 1,453 |
| Tier 1 risk-based capital ratio | 24.0639% | 945 |
| Total risk-based capital ratio | 24.8054% | 982 |
| Memoranda: | ||
| Average total assets | $83,099,600 | 4,985 |
| Average earning assets | $79,854,600 | 4,889 |
| Average equity | $10,651,600 | 4,627 |
| Average total loans | $26,965,000 | 5,698 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6241% | 5,083 |
| Cost of funding earning assets | 0.2849% | 5,049 |
| Net interest margin | 3.3392% | 4,471 |
| Noninterest income to average assets | 0.3458% | 4,675 |
| Noninterest expense to average assets | 1.9889% | 5,789 |
| Loan and lease loss provision to assets | 0.1655% | 1,498 |
| Net operating income to assets | 1.3916% | 1,150 |
| Return on assets (ROA) | 1.6745% | 672 |
| Pretax return on assets | 1.6745% | 1,128 |
| Return on Equity (ROE) | 12.9135% | 1,236 |
| Retained earnings to average equity (ytd only) | 7.3244% | 1,656 |
| Net charge-offs to loans | 0.1413% | 2,387 |
| Credit loss provision to net charge-offs | 357.1429% | 790 |
| Earnings coverage of net charge-offs (x) | 33.6094% | 1,275 |
| Efficiency ratio | 56.0896% | 5,654 |
| Assets per employee ($millions) | 6.6528% | 943 |
| Cash dividends to net income (ytd only)* | 43.2810% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 4,047 |
| Loan loss allowance to noncurrent loans | 1,789.4737% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 6,082 |
| Noncurrent loans to loans | 0.0690% | 5,744 |
| Net loans and leases to total assets | 31.4432% | 6,205 |
| Net loans and leases to deposits | 36.1204% | 6,240 |
| Net loans and leases to core deposits | 43.7449% | 6,047 |
| Total domestic deposits to total assets | 87.0511% | 2,293 |
| Equity capital to assets | 12.8055% | 1,519 |
| Core capital (leverage) ratio | 13.1175% | 1,132 |
| Tier 1 risk-based capital ratio | 25.1777% | 866 |
| Total risk-based capital ratio | 25.9597% | 893 |
| Memoranda: | ||
| Average total assets | $80,577,750 | 5,104 |
| Average earning assets | $77,221,500 | 4,995 |
| Average equity | $10,448,750 | 4,700 |
| Average total loans | $26,421,250 | 5,784 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6503% | 5,009 |
| Cost of funding earning assets | 0.2820% | 5,159 |
| Net interest margin | 3.3683% | 4,322 |
| Noninterest income to average assets | 0.3409% | 4,694 |
| Noninterest expense to average assets | 2.0201% | 5,804 |
| Loan and lease loss provision to assets | 0.2544% | 852 |
| Net operating income to assets | 1.3179% | 1,253 |
| Return on assets (ROA) | 1.7479% | 565 |
| Pretax return on assets | 1.7479% | 935 |
| Return on Equity (ROE) | 13.4180% | 1,070 |
| Retained earnings to average equity (ytd only) | 7.9102% | 1,356 |
| Net charge-offs to loans | -0.0921% | 6,122 |
| Credit loss provision to net charge-offs | -833.3333% | 5,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2323% | 5,722 |
| Assets per employee ($millions) | 6.2202% | 1,161 |
| Cash dividends to net income (ytd only)* | 41.0480% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 3,531 |
| Loan loss allowance to noncurrent loans | 75.6487% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 4,113 |
| Noncurrent loans to loans | 1.8011% | 1,900 |
| Net loans and leases to total assets | 33.9319% | 6,147 |
| Net loans and leases to deposits | 39.2459% | 6,177 |
| Net loans and leases to core deposits | 47.5883% | 5,916 |
| Total domestic deposits to total assets | 86.4596% | 2,782 |
| Equity capital to assets | 13.4427% | 1,181 |
| Core capital (leverage) ratio | 13.4602% | 986 |
| Tier 1 risk-based capital ratio | 25.3023% | 843 |
| Total risk-based capital ratio | 26.1920% | 868 |
| Memoranda: | ||
| Average total assets | $78,608,330 | 5,197 |
| Average earning assets | $75,883,670 | 5,076 |
| Average equity | $10,240,000 | 4,754 |
| Average total loans | $26,050,330 | 5,840 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6702% | 4,944 |
| Cost of funding earning assets | 0.2827% | 5,246 |
| Net interest margin | 3.3875% | 4,180 |
| Noninterest income to average assets | 0.3511% | 4,568 |
| Noninterest expense to average assets | 2.1476% | 5,582 |
| Loan and lease loss provision to assets | 0.5163% | 279 |
| Net operating income to assets | 0.9654% | 2,333 |
| Return on assets (ROA) | 1.7656% | 523 |
| Pretax return on assets | 1.7656% | 846 |
| Return on Equity (ROE) | 13.7834% | 980 |
| Retained earnings to average equity (ytd only) | 13.7834% | 411 |
| Net charge-offs to loans | -0.1272% | 6,216 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1750% | 5,513 |
| Assets per employee ($millions) | 6.0951% | 1,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 3,395 |
| Loan loss allowance to noncurrent loans | 87.2093% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5427% | 4,517 |
| Noncurrent loans to loans | 1.6560% | 2,340 |
| Net loans and leases to total assets | 32.2972% | 6,253 |
| Net loans and leases to deposits | 37.1433% | 6,279 |
| Net loans and leases to core deposits | 45.1627% | 6,031 |
| Total domestic deposits to total assets | 86.9529% | 2,842 |
| Equity capital to assets | 12.9954% | 1,307 |
| Core capital (leverage) ratio | 13.6764% | 927 |
| Tier 1 risk-based capital ratio | 25.7392% | 812 |
| Total risk-based capital ratio | 26.6399% | 834 |
| Memoranda: | ||
| Average total assets | $77,481,500 | 5,267 |
| Average earning assets | $74,982,000 | 5,147 |
| Average equity | $9,925,000 | 4,833 |
| Average total loans | $25,167,000 | 5,931 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4533% | 5,725 |
| Cost of funding earning assets | 0.3124% | 5,497 |
| Net interest margin | 3.1409% | 5,193 |
| Noninterest income to average assets | 0.3662% | 4,694 |
| Noninterest expense to average assets | 2.0889% | 5,854 |
| Loan and lease loss provision to assets | 0.5711% | 453 |
| Net operating income to assets | 0.7364% | 3,623 |
| Return on assets (ROA) | 0.8792% | 2,972 |
| Pretax return on assets | 0.8792% | 3,853 |
| Return on Equity (ROE) | 6.6065% | 3,775 |
| Retained earnings to average equity (ytd only) | 3.0400% | 4,065 |
| Net charge-offs to loans | 1.9261% | 203 |
| Credit loss provision to net charge-offs | 96.4286% | 2,592 |
| Earnings coverage of net charge-offs (x) | 2.2076% | 4,290 |
| Efficiency ratio | 61.5025% | 5,293 |
| Assets per employee ($millions) | 5.8252% | 1,387 |
| Cash dividends to net income (ytd only)* | 53.9850% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 5,171 |
| Loan loss allowance to noncurrent loans | 70.8223% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 0.4978% | 4,745 |
| Noncurrent loans to loans | 1.5471% | 2,573 |
| Net loans and leases to total assets | 31.8262% | 6,397 |
| Net loans and leases to deposits | 36.4581% | 6,413 |
| Net loans and leases to core deposits | 43.5878% | 6,244 |
| Total domestic deposits to total assets | 87.2952% | 2,583 |
| Equity capital to assets | 12.6151% | 1,458 |
| Core capital (leverage) ratio | 13.4870% | 960 |
| Tier 1 risk-based capital ratio | 25.7932% | 790 |
| Total risk-based capital ratio | 26.4571% | 819 |
| Memoranda: | ||
| Average total assets | $75,638,600 | 5,336 |
| Average earning assets | $72,973,000 | 5,225 |
| Average equity | $10,065,800 | 4,830 |
| Average total loans | $23,259,600 | 6,071 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3523% | 5,973 |
| Cost of funding earning assets | 0.3206% | 5,547 |
| Net interest margin | 3.0317% | 5,514 |
| Noninterest income to average assets | 0.3685% | 4,757 |
| Noninterest expense to average assets | 2.0947% | 5,841 |
| Loan and lease loss provision to assets | 0.7617% | 267 |
| Net operating income to assets | 0.4302% | 5,111 |
| Return on assets (ROA) | 0.6207% | 4,383 |
| Pretax return on assets | 0.6207% | 4,948 |
| Return on Equity (ROE) | 4.6039% | 4,928 |
| Retained earnings to average equity (ytd only) | 0.4839% | 5,773 |
| Net charge-offs to loans | 2.5062% | 125 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 1.5648% | 4,315 |
| Efficiency ratio | 63.7339% | 4,847 |
| Assets per employee ($millions) | 5.9149% | 1,301 |
| Cash dividends to net income (ytd only)* | 89.4890% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 4,813 |
| Loan loss allowance to noncurrent loans | 84.4776% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 0.4357% | 5,126 |
| Noncurrent loans to loans | 1.4340% | 3,012 |
| Net loans and leases to total assets | 30.0140% | 6,535 |
| Net loans and leases to deposits | 34.0941% | 6,568 |
| Net loans and leases to core deposits | 40.7958% | 6,425 |
| Total domestic deposits to total assets | 88.0329% | 2,113 |
| Equity capital to assets | 11.8345% | 2,021 |
| Core capital (leverage) ratio | 13.1354% | 1,152 |
| Tier 1 risk-based capital ratio | 25.5242% | 826 |
| Total risk-based capital ratio | 26.2391% | 863 |
| Memoranda: | ||
| Average total assets | $75,616,500 | 5,391 |
| Average earning assets | $72,784,000 | 5,282 |
| Average equity | $10,194,000 | 4,848 |
| Average total loans | $22,982,500 | 6,141 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4114% | 5,880 |
| Cost of funding earning assets | 0.3242% | 5,622 |
| Net interest margin | 3.0872% | 5,309 |
| Noninterest income to average assets | 0.3564% | 4,836 |
| Noninterest expense to average assets | 2.0880% | 5,889 |
| Loan and lease loss provision to assets | 0.0958% | 3,191 |
| Net operating income to assets | 1.1358% | 1,789 |
| Return on assets (ROA) | 1.2901% | 1,444 |
| Pretax return on assets | 1.2901% | 2,338 |
| Return on Equity (ROE) | 9.1868% | 2,541 |
| Retained earnings to average equity (ytd only) | 3.7694% | 3,899 |
| Net charge-offs to loans | 0.4200% | 1,535 |
| Credit loss provision to net charge-offs | 75.0000% | 2,718 |
| Earnings coverage of net charge-offs (x) | 9.6458% | 2,250 |
| Efficiency ratio | 62.9006% | 5,032 |
| Assets per employee ($millions) | 5.7484% | 1,382 |
| Cash dividends to net income (ytd only)* | 58.9691% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 5,131 |
| Loan loss allowance to noncurrent loans | 27.4569% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 1.3208% | 3,135 |
| Noncurrent loans to loans | 4.2751% | 860 |
| Net loans and leases to total assets | 30.5317% | 6,558 |
| Net loans and leases to deposits | 35.0675% | 6,577 |
| Net loans and leases to core deposits | 41.5956% | 6,419 |
| Total domestic deposits to total assets | 87.0653% | 2,783 |
| Equity capital to assets | 12.8451% | 1,403 |
| Core capital (leverage) ratio | 13.4916% | 981 |
| Tier 1 risk-based capital ratio | 26.4016% | 735 |
| Total risk-based capital ratio | 27.0985% | 768 |
| Memoranda: | ||
| Average total assets | $75,190,670 | 5,434 |
| Average earning assets | $72,169,670 | 5,329 |
| Average equity | $10,558,670 | 4,817 |
| Average total loans | $22,856,000 | 6,180 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4230% | 5,891 |
| Cost of funding earning assets | 0.3323% | 5,693 |
| Net interest margin | 3.0906% | 5,294 |
| Noninterest income to average assets | 0.3447% | 4,933 |
| Noninterest expense to average assets | 2.2116% | 5,655 |
| Loan and lease loss provision to assets | 0.1326% | 2,579 |
| Net operating income to assets | 0.9599% | 2,402 |
| Return on assets (ROA) | 1.2675% | 1,462 |
| Pretax return on assets | 1.2675% | 2,349 |
| Return on Equity (ROE) | 8.6606% | 2,649 |
| Retained earnings to average equity (ytd only) | 4.7833% | 3,368 |
| Net charge-offs to loans | 0.7212% | 849 |
| Credit loss provision to net charge-offs | 60.9756% | 2,434 |
| Earnings coverage of net charge-offs (x) | 5.0244% | 2,422 |
| Efficiency ratio | 66.9342% | 4,501 |
| Assets per employee ($millions) | 5.7311% | 1,460 |
| Cash dividends to net income (ytd only)* | 44.7699% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 5,312 |
| Loan loss allowance to noncurrent loans | 4,450.0000% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 6,605 |
| Noncurrent loans to loans | 0.0263% | 6,417 |
| Net loans and leases to total assets | 30.2078% | 6,598 |
| Net loans and leases to deposits | 35.4146% | 6,594 |
| Net loans and leases to core deposits | 42.1785% | 6,397 |
| Total domestic deposits to total assets | 85.2974% | 3,903 |
| Equity capital to assets | 14.6542% | 836 |
| Core capital (leverage) ratio | 13.6255% | 896 |
| Tier 1 risk-based capital ratio | 26.7573% | 730 |
| Total risk-based capital ratio | 27.4578% | 753 |
| Memoranda: | ||
| Average total assets | $75,421,500 | 5,474 |
| Average earning assets | $72,218,000 | 5,383 |
| Average equity | $11,038,500 | 4,759 |
| Average total loans | $22,740,500 | 6,241 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7123% | 6,024 |
| Cost of funding earning assets | 0.4193% | 5,791 |
| Net interest margin | 3.2930% | 5,264 |
| Noninterest income to average assets | 0.4017% | 4,596 |
| Noninterest expense to average assets | 2.0941% | 6,141 |
| Loan and lease loss provision to assets | 0.2492% | 2,660 |
| Net operating income to assets | 1.1935% | 1,625 |
| Return on assets (ROA) | 1.8286% | 550 |
| Pretax return on assets | 1.8613% | 808 |
| Return on Equity (ROE) | 12.1552% | 1,465 |
| Retained earnings to average equity (ytd only) | 7.2044% | 1,469 |
| Net charge-offs to loans | 0.4106% | 2,612 |
| Credit loss provision to net charge-offs | 207.9545% | 1,226 |
| Earnings coverage of net charge-offs (x) | 12.2045% | 1,953 |
| Efficiency ratio | 58.8821% | 5,709 |
| Assets per employee ($millions) | 5.8722% | 1,377 |
| Cash dividends to net income (ytd only)* | 40.7297% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 4,898 |
| Loan loss allowance to noncurrent loans | 160.7955% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 5,983 |
| Noncurrent loans to loans | 0.7751% | 4,633 |
| Net loans and leases to total assets | 29.3755% | 6,717 |
| Net loans and leases to deposits | 34.4486% | 6,730 |
| Net loans and leases to core deposits | 41.0173% | 6,578 |
| Total domestic deposits to total assets | 85.2736% | 3,724 |
| Equity capital to assets | 14.6177% | 837 |
| Core capital (leverage) ratio | 13.4200% | 975 |
| Tier 1 risk-based capital ratio | 26.3231% | 745 |
| Total risk-based capital ratio | 27.0631% | 776 |
| Memoranda: | ||
| Average total assets | $73,444,200 | 5,536 |
| Average earning assets | $70,361,000 | 5,414 |
| Average equity | $11,048,800 | 4,752 |
| Average total loans | $21,433,800 | 6,363 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7693% | 6,089 |
| Cost of funding earning assets | 0.4303% | 5,931 |
| Net interest margin | 3.3390% | 5,252 |
| Noninterest income to average assets | 0.4070% | 4,582 |
| Noninterest expense to average assets | 2.1396% | 6,084 |
| Loan and lease loss provision to assets | 0.2163% | 2,898 |
| Net operating income to assets | 1.2522% | 1,574 |
| Return on assets (ROA) | 2.0186% | 419 |
| Pretax return on assets | 2.0186% | 678 |
| Return on Equity (ROE) | 13.3194% | 1,262 |
| Retained earnings to average equity (ytd only) | 9.2546% | 1,138 |
| Net charge-offs to loans | 0.4168% | 2,423 |
| Credit loss provision to net charge-offs | 178.7879% | 1,558 |
| Earnings coverage of net charge-offs (x) | 12.1360% | 2,026 |
| Efficiency ratio | 59.2988% | 5,614 |
| Assets per employee ($millions) | 5.7045% | 1,455 |
| Cash dividends to net income (ytd only)* | 30.5179% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 5,762 |
| Loan loss allowance to noncurrent loans | 263.7363% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 6,413 |
| Noncurrent loans to loans | 0.4132% | 5,627 |
| Net loans and leases to total assets | 29.3747% | 6,835 |
| Net loans and leases to deposits | 34.8700% | 6,842 |
| Net loans and leases to core deposits | 41.6369% | 6,680 |
| Total domestic deposits to total assets | 84.2406% | 4,111 |
| Equity capital to assets | 15.6569% | 675 |
| Core capital (leverage) ratio | 13.6150% | 976 |
| Tier 1 risk-based capital ratio | 27.3861% | 708 |
| Total risk-based capital ratio | 28.0409% | 742 |
| Memoranda: | ||
| Average total assets | $72,720,500 | 5,615 |
| Average earning assets | $69,719,750 | 5,498 |
| Average equity | $11,021,250 | 4,802 |
| Average total loans | $21,115,250 | 6,458 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8009% | 6,140 |
| Cost of funding earning assets | 0.4416% | 6,022 |
| Net interest margin | 3.3593% | 5,237 |
| Noninterest income to average assets | 0.4153% | 4,542 |
| Noninterest expense to average assets | 2.1041% | 6,225 |
| Loan and lease loss provision to assets | 0.1938% | 3,149 |
| Net operating income to assets | 1.3400% | 1,331 |
| Return on assets (ROA) | 1.6140% | 907 |
| Pretax return on assets | 1.6140% | 1,505 |
| Return on Equity (ROE) | 10.7717% | 2,070 |
| Retained earnings to average equity (ytd only) | 6.3743% | 2,456 |
| Net charge-offs to loans | 0.1538% | 3,686 |
| Credit loss provision to net charge-offs | 437.5000% | 680 |
| Earnings coverage of net charge-offs (x) | 34.6250% | 977 |
| Efficiency ratio | 57.8387% | 5,895 |
| Assets per employee ($millions) | 5.5954% | 1,534 |
| Cash dividends to net income (ytd only)* | 40.8233% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 5,714 |
| Loan loss allowance to noncurrent loans | 123.4694% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.2695% | 6,102 |
| Noncurrent loans to loans | 0.9049% | 4,689 |
| Net loans and leases to total assets | 29.4460% | 6,888 |
| Net loans and leases to deposits | 34.7299% | 6,904 |
| Net loans and leases to core deposits | 41.9627% | 6,735 |
| Total domestic deposits to total assets | 84.7855% | 3,956 |
| Equity capital to assets | 15.1512% | 744 |
| Core capital (leverage) ratio | 13.3423% | 1,039 |
| Tier 1 risk-based capital ratio | 26.8002% | 745 |
| Total risk-based capital ratio | 27.4746% | 773 |
| Memoranda: | ||
| Average total assets | $72,241,000 | 5,660 |
| Average earning assets | $69,299,670 | 5,551 |
| Average equity | $10,824,670 | 4,852 |
| Average total loans | $20,812,330 | 6,522 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8140% | 6,217 |
| Cost of funding earning assets | 0.4565% | 6,109 |
| Net interest margin | 3.3575% | 5,272 |
| Noninterest income to average assets | 0.4334% | 4,429 |
| Noninterest expense to average assets | 2.2225% | 5,988 |
| Loan and lease loss provision to assets | 0.2667% | 2,324 |
| Net operating income to assets | 1.1724% | 1,817 |
| Return on assets (ROA) | 1.7280% | 761 |
| Pretax return on assets | 1.7280% | 1,237 |
| Return on Equity (ROE) | 11.5974% | 1,807 |
| Retained earnings to average equity (ytd only) | 6.9734% | 2,448 |
| Net charge-offs to loans | 0.0981% | 3,551 |
| Credit loss provision to net charge-offs | 960.0000% | 367 |
| Earnings coverage of net charge-offs (x) | 51.8000% | 621 |
| Efficiency ratio | 60.6980% | 5,508 |
| Assets per employee ($millions) | 5.6083% | 1,601 |
| Cash dividends to net income (ytd only)* | 39.8714% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 5,912 |
| Loan loss allowance to noncurrent loans | 102.6667% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 6,120 |
| Noncurrent loans to loans | 1.0696% | 4,564 |
| Net loans and leases to total assets | 28.5346% | 6,959 |
| Net loans and leases to deposits | 33.4965% | 6,968 |
| Net loans and leases to core deposits | 40.7930% | 6,793 |
| Total domestic deposits to total assets | 85.1868% | 3,941 |
| Equity capital to assets | 14.7885% | 786 |
| Core capital (leverage) ratio | 13.1948% | 1,057 |
| Tier 1 risk-based capital ratio | 27.0724% | 722 |
| Total risk-based capital ratio | 27.7336% | 753 |
| Memoranda: | ||
| Average total assets | $71,991,500 | 5,712 |
| Average earning assets | $69,219,000 | 5,591 |
| Average equity | $10,726,500 | 4,882 |
| Average total loans | $20,388,000 | 6,596 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1803% | 6,111 |
| Cost of funding earning assets | 0.5814% | 6,180 |
| Net interest margin | 3.5989% | 4,737 |
| Noninterest income to average assets | 0.4563% | 4,174 |
| Noninterest expense to average assets | 2.2739% | 6,104 |
| Loan and lease loss provision to assets | 0.0394% | 6,079 |
| Net operating income to assets | 1.5752% | 707 |
| Return on assets (ROA) | 1.8768% | 436 |
| Pretax return on assets | 1.9131% | 644 |
| Return on Equity (ROE) | 12.7199% | 1,224 |
| Retained earnings to average equity (ytd only) | 7.5312% | 1,265 |
| Net charge-offs to loans | 0.3108% | 3,845 |
| Credit loss provision to net charge-offs | 44.0678% | 5,551 |
| Earnings coverage of net charge-offs (x) | 18.3898% | 1,222 |
| Efficiency ratio | 58.0271% | 6,054 |
| Assets per employee ($millions) | 5.4673% | 1,674 |
| Cash dividends to net income (ytd only)* | 40.7916% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 6,390 |
| Loan loss allowance to noncurrent loans | 437.2093% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 6,799 |
| Noncurrent loans to loans | 0.2178% | 6,306 |
| Net loans and leases to total assets | 27.5104% | 7,076 |
| Net loans and leases to deposits | 32.3859% | 7,087 |
| Net loans and leases to core deposits | 38.8998% | 6,972 |
| Total domestic deposits to total assets | 84.9455% | 3,881 |
| Equity capital to assets | 15.0137% | 780 |
| Core capital (leverage) ratio | 13.3943% | 1,011 |
| Tier 1 risk-based capital ratio | 27.7450% | 641 |
| Total risk-based capital ratio | 28.3076% | 679 |
| Memoranda: | ||
| Average total assets | $65,964,600 | 5,865 |
| Average earning assets | $63,464,600 | 5,755 |
| Average equity | $9,732,800 | 5,090 |
| Average total loans | $18,981,800 | 6,710 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2548% | 6,070 |
| Cost of funding earning assets | 0.6100% | 6,247 |
| Net interest margin | 3.6448% | 4,594 |
| Noninterest income to average assets | 0.3999% | 4,669 |
| Noninterest expense to average assets | 2.3600% | 5,880 |
| Loan and lease loss provision to assets | 0.0536% | 5,777 |
| Net operating income to assets | 1.4964% | 945 |
| Return on assets (ROA) | 1.9148% | 447 |
| Pretax return on assets | 1.9148% | 752 |
| Return on Equity (ROE) | 13.0407% | 1,266 |
| Retained earnings to average equity (ytd only) | 7.7626% | 1,602 |
| Net charge-offs to loans | 0.4115% | 3,084 |
| Credit loss provision to net charge-offs | 44.8276% | 5,147 |
| Earnings coverage of net charge-offs (x) | 12.9657% | 1,656 |
| Efficiency ratio | 60.3585% | 5,654 |
| Assets per employee ($millions) | 5.1502% | 1,989 |
| Cash dividends to net income (ytd only)* | 40.4734% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 6,389 |
| Loan loss allowance to noncurrent loans | 242.3077% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 6,761 |
| Noncurrent loans to loans | 0.4005% | 6,050 |
| Net loans and leases to total assets | 28.8038% | 7,126 |
| Net loans and leases to deposits | 34.1213% | 7,127 |
| Net loans and leases to core deposits | 39.8574% | 7,046 |
| Total domestic deposits to total assets | 84.4159% | 4,044 |
| Equity capital to assets | 15.5258% | 719 |
| Core capital (leverage) ratio | 13.6301% | 1,003 |
| Tier 1 risk-based capital ratio | 27.9465% | 665 |
| Total risk-based capital ratio | 28.5275% | 698 |
| Memoranda: | ||
| Average total assets | $64,687,000 | 5,949 |
| Average earning assets | $62,297,000 | 5,832 |
| Average equity | $9,498,250 | 5,177 |
| Average total loans | $18,792,000 | 6,783 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2961% | 6,034 |
| Cost of funding earning assets | 0.6281% | 6,323 |
| Net interest margin | 3.6679% | 4,423 |
| Noninterest income to average assets | 0.3535% | 5,060 |
| Noninterest expense to average assets | 2.3556% | 5,977 |
| Loan and lease loss provision to assets | 0.0688% | 5,445 |
| Net operating income to assets | 1.4547% | 969 |
| Return on assets (ROA) | 1.5548% | 850 |
| Pretax return on assets | 1.5548% | 1,367 |
| Return on Equity (ROE) | 10.8051% | 1,866 |
| Retained earnings to average equity (ytd only) | 6.0874% | 2,370 |
| Net charge-offs to loans | 0.1939% | 3,991 |
| Credit loss provision to net charge-offs | 122.2222% | 2,491 |
| Earnings coverage of net charge-offs (x) | 27.0556% | 1,001 |
| Efficiency ratio | 60.7258% | 5,770 |
| Assets per employee ($millions) | 5.4878% | 1,579 |
| Cash dividends to net income (ytd only)* | 43.6620% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 5,695 |
| Loan loss allowance to noncurrent loans | 52.3256% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 0.6530% | 5,599 |
| Noncurrent loans to loans | 2.2253% | 3,197 |
| Net loans and leases to total assets | 29.0005% | 7,214 |
| Net loans and leases to deposits | 34.0476% | 7,218 |
| Net loans and leases to core deposits | 40.0848% | 7,125 |
| Total domestic deposits to total assets | 85.1763% | 3,797 |
| Equity capital to assets | 14.7873% | 870 |
| Core capital (leverage) ratio | 13.5239% | 988 |
| Tier 1 risk-based capital ratio | 27.4098% | 702 |
| Total risk-based capital ratio | 28.1092% | 721 |
| Memoranda: | ||
| Average total assets | $63,931,670 | 6,015 |
| Average earning assets | $61,451,330 | 5,912 |
| Average equity | $9,199,330 | 5,264 |
| Average total loans | $18,564,670 | 6,857 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2643% | 6,113 |
| Cost of funding earning assets | 0.6555% | 6,362 |
| Net interest margin | 3.6087% | 4,534 |
| Noninterest income to average assets | 0.5780% | 3,317 |
| Noninterest expense to average assets | 2.3757% | 5,963 |
| Loan and lease loss provision to assets | 0.1397% | 4,262 |
| Net operating income to assets | 1.5245% | 835 |
| Return on assets (ROA) | 1.7278% | 586 |
| Pretax return on assets | 1.7278% | 933 |
| Return on Equity (ROE) | 12.1837% | 1,413 |
| Retained earnings to average equity (ytd only) | 7.2564% | 2,042 |
| Net charge-offs to loans | 0.4179% | 2,432 |
| Credit loss provision to net charge-offs | 115.7895% | 2,330 |
| Earnings coverage of net charge-offs (x) | 13.7895% | 1,410 |
| Efficiency ratio | 58.8050% | 6,157 |
| Assets per employee ($millions) | 4.9340% | 2,254 |
| Cash dividends to net income (ytd only)* | 40.4412% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 5,619 |
| Loan loss allowance to noncurrent loans | 143.5897% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 6,567 |
| Noncurrent loans to loans | 0.8377% | 5,365 |
| Net loans and leases to total assets | 28.6832% | 7,275 |
| Net loans and leases to deposits | 33.5607% | 7,281 |
| Net loans and leases to core deposits | 39.6474% | 7,176 |
| Total domestic deposits to total assets | 85.4666% | 3,803 |
| Equity capital to assets | 14.5053% | 875 |
| Core capital (leverage) ratio | 13.6916% | 917 |
| Tier 1 risk-based capital ratio | 28.0189% | 631 |
| Total risk-based capital ratio | 28.7403% | 650 |
| Memoranda: | ||
| Average total assets | $62,970,500 | 6,096 |
| Average earning assets | $60,409,000 | 5,981 |
| Average equity | $8,930,000 | 5,353 |
| Average total loans | $18,185,500 | 6,931 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6686% | 5,899 |
| Cost of funding earning assets | 0.8482% | 6,375 |
| Net interest margin | 3.8204% | 3,865 |
| Noninterest income to average assets | 0.6008% | 3,473 |
| Noninterest expense to average assets | 2.2789% | 6,415 |
| Loan and lease loss provision to assets | 0.2367% | 4,915 |
| Net operating income to assets | 1.5707% | 661 |
| Return on assets (ROA) | 1.9098% | 354 |
| Pretax return on assets | 1.9313% | 569 |
| Return on Equity (ROE) | 12.9366% | 1,103 |
| Retained earnings to average equity (ytd only) | 7.7014% | 1,078 |
| Net charge-offs to loans | 0.8642% | 2,470 |
| Credit loss provision to net charge-offs | 92.2581% | 5,027 |
| Earnings coverage of net charge-offs (x) | 7.1161% | 2,199 |
| Efficiency ratio | 55.5242% | 6,653 |
| Assets per employee ($millions) | 4.7538% | 2,480 |
| Cash dividends to net income (ytd only)* | 40.4679% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 5,302 |
| Loan loss allowance to noncurrent loans | 66.7674% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 0.5356% | 5,961 |
| Noncurrent loans to loans | 1.8649% | 3,732 |
| Net loans and leases to total assets | 28.3629% | 7,394 |
| Net loans and leases to deposits | 32.9331% | 7,413 |
| Net loans and leases to core deposits | 39.1661% | 7,320 |
| Total domestic deposits to total assets | 86.1228% | 3,293 |
| Equity capital to assets | 13.8449% | 1,085 |
| Core capital (leverage) ratio | 13.7539% | 911 |
| Tier 1 risk-based capital ratio | 28.1429% | 595 |
| Total risk-based capital ratio | 28.8714% | 623 |
| Memoranda: | ||
| Average total assets | $60,424,200 | 6,180 |
| Average earning assets | $55,413,000 | 6,159 |
| Average equity | $8,920,400 | 5,446 |
| Average total loans | $17,935,000 | 7,031 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7331% | 5,904 |
| Cost of funding earning assets | 0.8899% | 6,435 |
| Net interest margin | 3.8432% | 3,781 |
| Noninterest income to average assets | 0.6036% | 3,417 |
| Noninterest expense to average assets | 2.2303% | 6,522 |
| Loan and lease loss provision to assets | 0.2463% | 4,625 |
| Net operating income to assets | 1.6156% | 726 |
| Return on assets (ROA) | 1.9817% | 375 |
| Pretax return on assets | 1.9817% | 641 |
| Return on Equity (ROE) | 13.2125% | 1,205 |
| Retained earnings to average equity (ytd only) | 7.8416% | 1,474 |
| Net charge-offs to loans | 1.0455% | 1,935 |
| Credit loss provision to net charge-offs | 78.7234% | 5,176 |
| Earnings coverage of net charge-offs (x) | 5.9502% | 2,627 |
| Efficiency ratio | 54.5011% | 6,742 |
| Assets per employee ($millions) | 5.5565% | 1,580 |
| Cash dividends to net income (ytd only)* | 40.6496% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 5,831 |
| Loan loss allowance to noncurrent loans | 42.1162% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 0.8082% | 5,481 |
| Noncurrent loans to loans | 2.6733% | 2,959 |
| Net loans and leases to total assets | 29.1663% | 7,487 |
| Net loans and leases to deposits | 34.4796% | 7,506 |
| Net loans and leases to core deposits | 40.3043% | 7,421 |
| Total domestic deposits to total assets | 84.5898% | 3,833 |
| Equity capital to assets | 15.3447% | 811 |
| Core capital (leverage) ratio | 13.5543% | 1,042 |
| Tier 1 risk-based capital ratio | 28.2141% | 614 |
| Total risk-based capital ratio | 28.8975% | 638 |
| Memoranda: | ||
| Average total assets | $60,080,500 | 6,267 |
| Average earning assets | $54,536,250 | 6,260 |
| Average equity | $9,011,500 | 5,496 |
| Average total loans | $17,981,500 | 7,119 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7985% | 5,805 |
| Cost of funding earning assets | 0.9340% | 6,449 |
| Net interest margin | 3.8645% | 3,612 |
| Noninterest income to average assets | 0.6261% | 3,157 |
| Noninterest expense to average assets | 2.2701% | 6,437 |
| Loan and lease loss provision to assets | 0.2042% | 4,832 |
| Net operating income to assets | 1.5737% | 779 |
| Return on assets (ROA) | 2.1261% | 291 |
| Pretax return on assets | 2.1261% | 469 |
| Return on Equity (ROE) | 14.2873% | 974 |
| Retained earnings to average equity (ytd only) | 9.6524% | 927 |
| Net charge-offs to loans | 0.1002% | 5,144 |
| Credit loss provision to net charge-offs | 677.7778% | 549 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 521 |
| Efficiency ratio | 56.0794% | 6,626 |
| Assets per employee ($millions) | 5.5374% | 1,583 |
| Cash dividends to net income (ytd only)* | 32.4409% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 3,855 |
| Loan loss allowance to noncurrent loans | 69.3431% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 0.7864% | 5,540 |
| Noncurrent loans to loans | 2.1812% | 3,497 |
| Net loans and leases to total assets | 30.4674% | 7,522 |
| Net loans and leases to deposits | 35.8491% | 7,535 |
| Net loans and leases to core deposits | 41.6295% | 7,460 |
| Total domestic deposits to total assets | 84.9879% | 3,635 |
| Equity capital to assets | 14.9694% | 888 |
| Core capital (leverage) ratio | 13.4862% | 1,063 |
| Tier 1 risk-based capital ratio | 28.2604% | 608 |
| Total risk-based capital ratio | 29.2331% | 617 |
| Memoranda: | ||
| Average total assets | $59,733,330 | 6,319 |
| Average earning assets | $52,891,670 | 6,373 |
| Average equity | $8,889,000 | 5,535 |
| Average total loans | $17,965,330 | 7,177 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9199% | 5,363 |
| Cost of funding earning assets | 0.9423% | 6,610 |
| Net interest margin | 3.9776% | 2,967 |
| Noninterest income to average assets | 0.6357% | 3,035 |
| Noninterest expense to average assets | 2.2792% | 6,447 |
| Loan and lease loss provision to assets | 0.1556% | 4,974 |
| Net operating income to assets | 1.6840% | 634 |
| Return on assets (ROA) | 1.6840% | 686 |
| Pretax return on assets | 1.6840% | 1,090 |
| Return on Equity (ROE) | 11.3511% | 1,684 |
| Retained earnings to average equity (ytd only) | 6.4277% | 2,393 |
| Net charge-offs to loans | 0.0685% | 4,727 |
| Credit loss provision to net charge-offs | 766.6667% | 587 |
| Earnings coverage of net charge-offs (x) | 90.6667% | 359 |
| Efficiency ratio | 55.3366% | 6,845 |
| Assets per employee ($millions) | 5.0787% | 2,132 |
| Cash dividends to net income (ytd only)* | 43.3735% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 4,326 |
| Loan loss allowance to noncurrent loans | 562.2222% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 7,009 |
| Noncurrent loans to loans | 0.2525% | 6,836 |
| Net loans and leases to total assets | 28.8330% | 7,655 |
| Net loans and leases to deposits | 33.7819% | 7,663 |
| Net loans and leases to core deposits | 38.3183% | 7,616 |
| Total domestic deposits to total assets | 85.3505% | 3,484 |
| Equity capital to assets | 14.5888% | 980 |
| Core capital (leverage) ratio | 13.5407% | 1,075 |
| Tier 1 risk-based capital ratio | 27.9255% | 644 |
| Total risk-based capital ratio | 28.8095% | 657 |
| Memoranda: | ||
| Average total assets | $59,144,500 | 6,423 |
| Average earning assets | $51,789,500 | 6,485 |
| Average equity | $8,774,500 | 5,601 |
| Average total loans | $17,526,500 | 7,283 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4848% | 4,229 |
| Cost of funding earning assets | 1.0407% | 7,122 |
| Net interest margin | 4.4441% | 1,306 |
| Noninterest income to average assets | 0.7482% | 2,687 |
| Noninterest expense to average assets | 2.6731% | 5,508 |
| Loan and lease loss provision to assets | 0.4497% | 4,130 |
| Net operating income to assets | 1.8745% | 309 |
| Return on assets (ROA) | 2.1148% | 191 |
| Pretax return on assets | 1.9384% | 463 |
| Return on Equity (ROE) | 13.4841% | 872 |
| Retained earnings to average equity (ytd only) | 5.2775% | 1,681 |
| Net charge-offs to loans | 0.9363% | 2,520 |
| Credit loss provision to net charge-offs | 141.4634% | 3,421 |
| Earnings coverage of net charge-offs (x) | 6.7561% | 2,295 |
| Efficiency ratio | 55.4483% | 7,079 |
| Assets per employee ($millions) | 4.4112% | 3,091 |
| Cash dividends to net income (ytd only)* | 60.8616% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 4,465 |
| Loan loss allowance to noncurrent loans | 776.6667% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.1709% | 7,053 |
| Noncurrent loans to loans | 0.1741% | 6,985 |
| Net loans and leases to total assets | 29.6364% | 7,719 |
| Net loans and leases to deposits | 34.9648% | 7,744 |
| Net loans and leases to core deposits | 46.9190% | 7,649 |
| Total domestic deposits to total assets | 84.7607% | 3,679 |
| Equity capital to assets | 15.0981% | 886 |
| Core capital (leverage) ratio | 14.2657% | 936 |
| Tier 1 risk-based capital ratio | 28.7372% | 595 |
| Total risk-based capital ratio | 29.5900% | 601 |
| Memoranda: | ||
| Average total assets | $51,588,400 | 6,649 |
| Average earning assets | $47,276,400 | 6,627 |
| Average equity | $8,091,000 | 5,894 |
| Average total loans | $17,515,000 | 7,331 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5281% | 4,283 |
| Cost of funding earning assets | 1.0695% | 7,244 |
| Net interest margin | 4.4586% | 1,301 |
| Noninterest income to average assets | 0.7311% | 2,818 |
| Noninterest expense to average assets | 2.7225% | 5,236 |
| Loan and lease loss provision to assets | 0.4839% | 3,483 |
| Net operating income to assets | 2.0099% | 287 |
| Return on assets (ROA) | 2.2067% | 195 |
| Pretax return on assets | 1.8557% | 723 |
| Return on Equity (ROE) | 13.9213% | 952 |
| Retained earnings to average equity (ytd only) | 4.6963% | 2,655 |
| Net charge-offs to loans | 1.0841% | 1,839 |
| Credit loss provision to net charge-offs | 127.2727% | 3,947 |
| Earnings coverage of net charge-offs (x) | 5.6364% | 2,766 |
| Efficiency ratio | 55.9563% | 7,002 |
| Assets per employee ($millions) | 4.5252% | 2,827 |
| Cash dividends to net income (ytd only)* | 66.2655% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 5,132 |
| Loan loss allowance to noncurrent loans | 142.6573% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 6,566 |
| Noncurrent loans to loans | 0.8391% | 5,619 |
| Net loans and leases to total assets | 31.0099% | 7,783 |
| Net loans and leases to deposits | 36.9528% | 7,802 |
| Net loans and leases to core deposits | 46.8075% | 7,753 |
| Total domestic deposits to total assets | 83.9177% | 3,758 |
| Equity capital to assets | 15.7379% | 846 |
| Core capital (leverage) ratio | 14.9921% | 859 |
| Tier 1 risk-based capital ratio | 29.2672% | 616 |
| Total risk-based capital ratio | 30.0422% | 616 |
| Memoranda: | ||
| Average total assets | $50,149,250 | 6,751 |
| Average earning assets | $46,500,500 | 6,713 |
| Average equity | $7,949,250 | 6,000 |
| Average total loans | $17,586,750 | 7,395 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6569% | 3,787 |
| Cost of funding earning assets | 1.1464% | 7,257 |
| Net interest margin | 4.5105% | 1,145 |
| Noninterest income to average assets | 0.7259% | 2,838 |
| Noninterest expense to average assets | 2.9365% | 4,352 |
| Loan and lease loss provision to assets | 0.6767% | 2,403 |
| Net operating income to assets | 1.8456% | 418 |
| Return on assets (ROA) | 1.8702% | 431 |
| Pretax return on assets | 1.3329% | 1,925 |
| Return on Equity (ROE) | 11.7672% | 1,491 |
| Retained earnings to average equity (ytd only) | 1.3935% | 4,561 |
| Net charge-offs to loans | 1.6321% | 1,161 |
| Credit loss provision to net charge-offs | 113.7931% | 4,074 |
| Earnings coverage of net charge-offs (x) | 3.3379% | 3,478 |
| Efficiency ratio | 59.6667% | 6,597 |
| Assets per employee ($millions) | 4.1060% | 3,477 |
| Cash dividends to net income (ytd only)* | 88.1579% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 5,853 |
| Loan loss allowance to noncurrent loans | 370.0000% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.2151% | 6,972 |
| Noncurrent loans to loans | 0.2858% | 6,799 |
| Net loans and leases to total assets | 35.1295% | 7,737 |
| Net loans and leases to deposits | 41.8456% | 7,761 |
| Net loans and leases to core deposits | 49.0910% | 7,776 |
| Total domestic deposits to total assets | 83.9503% | 3,799 |
| Equity capital to assets | 15.6702% | 890 |
| Core capital (leverage) ratio | 15.0930% | 901 |
| Tier 1 risk-based capital ratio | 32.2884% | 491 |
| Total risk-based capital ratio | 33.0872% | 496 |
| Memoranda: | ||
| Average total assets | $48,765,000 | 6,879 |
| Average earning assets | $45,360,330 | 6,824 |
| Average equity | $7,750,330 | 6,109 |
| Average total loans | $17,768,000 | 7,449 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7175% | 3,701 |
| Cost of funding earning assets | 1.1967% | 7,304 |
| Net interest margin | 4.5208% | 1,081 |
| Noninterest income to average assets | 0.7586% | 2,551 |
| Noninterest expense to average assets | 2.8859% | 4,205 |
| Loan and lease loss provision to assets | 1.3028% | 988 |
| Net operating income to assets | 1.8635% | 465 |
| Return on assets (ROA) | 1.8635% | 520 |
| Pretax return on assets | 0.7751% | 4,167 |
| Return on Equity (ROE) | 11.6420% | 1,776 |
| Retained earnings to average equity (ytd only) | -0.5151% | 5,769 |
| Net charge-offs to loans | 2.9936% | 424 |
| Credit loss provision to net charge-offs | 117.9104% | 3,320 |
| Earnings coverage of net charge-offs (x) | 1.8806% | 3,786 |
| Efficiency ratio | 58.1395% | 6,680 |
| Assets per employee ($millions) | 4.0882% | 3,477 |
| Cash dividends to net income (ytd only)* | 104.4248% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 5,786 |
| Loan loss allowance to noncurrent loans | 111.8343% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 6,112 |
| Noncurrent loans to loans | 0.9431% | 5,112 |
| Net loans and leases to total assets | 36.1429% | 7,726 |
| Net loans and leases to deposits | 43.1569% | 7,755 |
| Net loans and leases to core deposits | 50.5546% | 7,773 |
| Total domestic deposits to total assets | 83.7478% | 3,824 |
| Equity capital to assets | 15.9281% | 882 |
| Core capital (leverage) ratio | 15.2602% | 911 |
| Tier 1 risk-based capital ratio | 29.4043% | 662 |
| Total risk-based capital ratio | 30.1539% | 678 |
| Memoranda: | ||
| Average total assets | $48,511,500 | 6,926 |
| Average earning assets | $45,125,000 | 6,877 |
| Average equity | $7,765,000 | 6,134 |
| Average total loans | $17,905,000 | 7,489 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8981% | 6,047 |
| Cost of funding earning assets | 1.6487% | 7,355 |
| Net interest margin | 4.2495% | 2,116 |
| Noninterest income to average assets | 0.8312% | 2,343 |
| Noninterest expense to average assets | 2.8407% | 4,644 |
| Loan and lease loss provision to assets | 0.2656% | 4,274 |
| Net operating income to assets | 1.3316% | 1,398 |
| Return on assets (ROA) | 1.3968% | 1,189 |
| Pretax return on assets | 1.8359% | 877 |
| Return on Equity (ROE) | 8.9369% | 2,660 |
| Retained earnings to average equity (ytd only) | 7.6210% | 955 |
| Net charge-offs to loans | 0.5569% | 2,151 |
| Credit loss provision to net charge-offs | 125.2525% | 4,266 |
| Earnings coverage of net charge-offs (x) | 9.5051% | 2,676 |
| Efficiency ratio | 58.4914% | 6,602 |
| Assets per employee ($millions) | 3.9971% | 3,518 |
| Cash dividends to net income (ytd only)* | 14.7239% | 4,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 6,549 |
| Loan loss allowance to noncurrent loans | 412.5000% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 6,769 |
| Noncurrent loans to loans | 0.2236% | 6,717 |
| Net loans and leases to total assets | 36.9540% | 7,800 |
| Net loans and leases to deposits | 44.5016% | 7,835 |
| Net loans and leases to core deposits | 52.0482% | 7,845 |
| Total domestic deposits to total assets | 83.0397% | 3,756 |
| Equity capital to assets | 16.0867% | 914 |
| Core capital (leverage) ratio | 15.7466% | 874 |
| Tier 1 risk-based capital ratio | 29.3920% | 677 |
| Total risk-based capital ratio | 30.0451% | 698 |
| Memoranda: | ||
| Average total assets | $46,679,000 | 6,909 |
| Average earning assets | $44,217,400 | 6,846 |
| Average equity | $7,295,600 | 6,352 |
| Average total loans | $17,775,400 | 7,473 |