Home > Menard Bank > Performance and Condition Ratios
Menard 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 | 3.3505% | 4,421 |
Cost of funding earning assets | 0.9516% | 4,039 |
Net interest margin | 2.3989% | 4,105 |
Noninterest income to average assets | 1.4500% | 355 |
Noninterest expense to average assets | 1.6125% | 4,128 |
Loan and lease loss provision to assets | 0.0000% | 2,722 |
Net operating income to assets | 2.1483% | 357 |
Return on assets (ROA) | 2.1483% | 365 |
Pretax return on assets | 2.1483% | 545 |
Return on Equity (ROE) | 38.7500% | 57 |
Retained earnings to average equity (ytd only) | 38.7462% | 26 |
Net charge-offs to loans | 0.0000% | 2,326 |
Credit loss provision to net charge-offs | 0.0000% | 1,760 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
Efficiency ratio | 42.8755% | 4,210 |
Assets per employee ($millions) | 9.0778% | 1,079 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8077% | 528 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
Noncurrent loans to loans | 0.0000% | 3,787 |
Net loans and leases to total assets | 14.7600% | 4,318 |
Net loans and leases to deposits | 15.7638% | 4,336 |
Net loans and leases to core deposits | 17.8422% | 4,312 |
Total domestic deposits to total assets | 93.6300% | 97 |
Equity capital to assets | 6.2852% | 4,204 |
Core capital (leverage) ratio | 11.0935% | 1,972 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,736 |
Memoranda: | ||
Average total assets | $82,855,000 | 3,920 |
Average earning assets | $79,869,500 | 3,874 |
Average equity | $4,594,000 | 4,270 |
Average total loans | $11,463,000 | 4,297 |
2024-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 319 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3953% | 4,426 |
Cost of funding earning assets | 1.3426% | 3,611 |
Net interest margin | 2.0528% | 4,234 |
Noninterest income to average assets | 1.7800% | 295 |
Noninterest expense to average assets | 1.7091% | 4,077 |
Loan and lease loss provision to assets | 0.0100% | 2,986 |
Net operating income to assets | 2.0388% | 364 |
Return on assets (ROA) | 2.0524% | 363 |
Pretax return on assets | 2.0524% | 552 |
Return on Equity (ROE) | 47.3900% | 32 |
Retained earnings to average equity (ytd only) | 38.8703% | 8 |
Net charge-offs to loans | 0.0000% | 3,099 |
Credit loss provision to net charge-offs | 0.0000% | 2,577 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
Efficiency ratio | 45.4218% | 4,185 |
Assets per employee ($millions) | 8.4010% | 1,310 |
Cash dividends to net income (ytd only)* | 17.9856% | 3,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0855% | 319 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
Noncurrent loans to loans | 0.0000% | 3,787 |
Net loans and leases to total assets | 12.4100% | 4,349 |
Net loans and leases to deposits | 13.0428% | 4,361 |
Net loans and leases to core deposits | 14.5827% | 4,339 |
Total domestic deposits to total assets | 95.1200% | 51 |
Equity capital to assets | 4.8244% | 4,371 |
Core capital (leverage) ratio | 10.1691% | 2,620 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,791 |
Memoranda: | ||
Average total assets | $81,271,600 | 3,934 |
Average earning assets | $78,431,000 | 3,884 |
Average equity | $3,519,400 | 4,334 |
Average total loans | $10,401,600 | 4,325 |
2024-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 305 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2505% | 4,478 |
Cost of funding earning assets | 1.4188% | 3,486 |
Net interest margin | 1.8317% | 4,341 |
Noninterest income to average assets | 1.8800% | 268 |
Noninterest expense to average assets | 1.7041% | 4,072 |
Loan and lease loss provision to assets | 0.0200% | 2,606 |
Net operating income to assets | 1.9209% | 483 |
Return on assets (ROA) | 1.9391% | 480 |
Pretax return on assets | 1.9391% | 708 |
Return on Equity (ROE) | 46.1500% | 35 |
Retained earnings to average equity (ytd only) | 46.1497% | 12 |
Net charge-offs to loans | 0.0000% | 2,849 |
Credit loss provision to net charge-offs | 0.0000% | 2,285 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
Efficiency ratio | 46.7544% | 4,136 |
Assets per employee ($millions) | 8.5186% | 1,253 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7605% | 583 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
Noncurrent loans to loans | 0.0000% | 3,830 |
Net loans and leases to total assets | 14.5400% | 4,375 |
Net loans and leases to deposits | 15.5007% | 4,392 |
Net loans and leases to core deposits | 17.1098% | 4,367 |
Total domestic deposits to total assets | 93.8200% | 41 |
Equity capital to assets | 6.0303% | 4,331 |
Core capital (leverage) ratio | 10.7678% | 2,195 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 20.5111% | 638 |
Memoranda: | ||
Average total assets | $80,587,000 | 3,963 |
Average earning assets | $77,812,250 | 3,913 |
Average equity | $3,386,000 | 4,368 |
Average total loans | $10,340,750 | 4,350 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1800% | 4,500 |
Cost of funding earning assets | 1.4404% | 3,407 |
Net interest margin | 1.7395% | 4,383 |
Noninterest income to average assets | 1.9400% | 261 |
Noninterest expense to average assets | 1.7178% | 4,059 |
Loan and lease loss provision to assets | 0.0300% | 2,286 |
Net operating income to assets | 1.8671% | 538 |
Return on assets (ROA) | 1.8418% | 558 |
Pretax return on assets | 1.8418% | 803 |
Return on Equity (ROE) | 51.9600% | 34 |
Retained earnings to average equity (ytd only) | 51.9567% | 15 |
Net charge-offs to loans | 0.0000% | 2,619 |
Credit loss provision to net charge-offs | 0.0000% | 2,036 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
Efficiency ratio | 47.5157% | 4,129 |
Assets per employee ($millions) | 7.8615% | 1,532 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0912% | 344 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
Noncurrent loans to loans | 0.0000% | 3,821 |
Net loans and leases to total assets | 13.2200% | 4,397 |
Net loans and leases to deposits | 13.7983% | 4,415 |
Net loans and leases to core deposits | 15.6268% | 4,388 |
Total domestic deposits to total assets | 95.8200% | 25 |
Equity capital to assets | 4.0527% | 4,462 |
Core capital (leverage) ratio | 10.5298% | 2,357 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 20.9306% | 595 |
Memoranda: | ||
Average total assets | $79,054,000 | 3,994 |
Average earning assets | $76,226,667 | 3,941 |
Average equity | $2,802,333 | 4,421 |
Average total loans | $9,584,333 | 4,376 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9441% | 4,540 |
Cost of funding earning assets | 1.3649% | 3,448 |
Net interest margin | 1.5793% | 4,448 |
Noninterest income to average assets | 1.9300% | 248 |
Noninterest expense to average assets | 1.6954% | 4,110 |
Loan and lease loss provision to assets | 0.0000% | 2,519 |
Net operating income to assets | 1.7559% | 611 |
Return on assets (ROA) | 1.7559% | 617 |
Pretax return on assets | 1.7559% | 881 |
Return on Equity (ROE) | 53.3200% | 36 |
Retained earnings to average equity (ytd only) | 53.3231% | 20 |
Net charge-offs to loans | 0.0000% | 2,236 |
Credit loss provision to net charge-offs | 0.0000% | 1,619 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
Efficiency ratio | 49.1228% | 4,057 |
Assets per employee ($millions) | 8.3547% | 1,261 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2735% | 255 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
Noncurrent loans to loans | 0.0000% | 3,844 |
Net loans and leases to total assets | 10.8000% | 4,429 |
Net loans and leases to deposits | 11.1936% | 4,436 |
Net loans and leases to core deposits | 12.7457% | 4,458 |
Total domestic deposits to total assets | 96.5300% | 39 |
Equity capital to assets | 3.3813% | 4,506 |
Core capital (leverage) ratio | 10.2377% | 2,555 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,874 |
Memoranda: | ||
Average total assets | $79,273,500 | 4,013 |
Average earning assets | $76,491,500 | 3,962 |
Average equity | $2,610,500 | 4,461 |
Average total loans | $9,068,500 | 4,410 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1966% | 4,486 |
Cost of funding earning assets | 1.1344% | 2,974 |
Net interest margin | 2.0622% | 4,393 |
Noninterest income to average assets | 1.8900% | 286 |
Noninterest expense to average assets | 1.8108% | 3,990 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 2.0643% | 426 |
Return on assets (ROA) | 2.0643% | 414 |
Pretax return on assets | 2.0643% | 615 |
Return on Equity (ROE) | 135.4700% | 9 |
Retained earnings to average equity (ytd only) | 117.3811% | 8 |
Net charge-offs to loans | 0.0000% | 2,917 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 46.7283% | 4,163 |
Assets per employee ($millions) | 7.5000% | 1,730 |
Cash dividends to net income (ytd only)* | 13.3511% | 3,142 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3596% | 230 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
Noncurrent loans to loans | 0.0000% | 3,821 |
Net loans and leases to total assets | 11.5900% | 4,445 |
Net loans and leases to deposits | 11.9770% | 4,450 |
Net loans and leases to core deposits | 13.6637% | 4,471 |
Total domestic deposits to total assets | 96.7400% | 31 |
Equity capital to assets | 3.1947% | 4,540 |
Core capital (leverage) ratio | 10.1814% | 2,618 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 20.3981% | 658 |
Memoranda: | ||
Average total assets | $72,566,600 | 4,092 |
Average earning assets | $69,730,000 | 4,038 |
Average equity | $1,105,800 | 4,517 |
Average total loans | $8,990,400 | 4,422 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0880% | 4,510 |
Cost of funding earning assets | 1.0197% | 2,980 |
Net interest margin | 2.0683% | 4,420 |
Noninterest income to average assets | 1.8400% | 312 |
Noninterest expense to average assets | 1.7232% | 4,087 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 2.1067% | 433 |
Return on assets (ROA) | 2.1067% | 424 |
Pretax return on assets | 2.1067% | 651 |
Return on Equity (ROE) | 193.5500% | 11 |
Retained earnings to average equity (ytd only) | 193.5477% | 6 |
Net charge-offs to loans | 0.0000% | 2,666 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 44.9927% | 4,190 |
Assets per employee ($millions) | 7.4138% | 1,689 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5544% | 184 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
Noncurrent loans to loans | 0.0000% | 3,847 |
Net loans and leases to total assets | 10.8100% | 4,472 |
Net loans and leases to deposits | 10.9291% | 4,480 |
Net loans and leases to core deposits | 12.4389% | 4,461 |
Total domestic deposits to total assets | 98.8700% | 33 |
Equity capital to assets | 0.9981% | 4,575 |
Core capital (leverage) ratio | 10.0072% | 2,819 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 20.6519% | 647 |
Memoranda: | ||
Average total assets | $71,958,250 | 4,112 |
Average earning assets | $69,169,500 | 4,064 |
Average equity | $783,250 | 4,550 |
Average total loans | $9,013,000 | 4,446 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9558% | 4,557 |
Cost of funding earning assets | 0.8897% | 2,956 |
Net interest margin | 2.0661% | 4,471 |
Noninterest income to average assets | 1.8000% | 271 |
Noninterest expense to average assets | 1.6959% | 4,152 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 2.0862% | 414 |
Return on assets (ROA) | 2.0862% | 408 |
Pretax return on assets | 2.0862% | 641 |
Return on Equity (ROE) | 186.2900% | 9 |
Retained earnings to average equity (ytd only) | 186.2934% | 5 |
Net charge-offs to loans | 0.0000% | 2,455 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 44.8404% | 4,215 |
Assets per employee ($millions) | 7.0398% | 1,897 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2720% | 279 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
Noncurrent loans to loans | 0.0000% | 3,848 |
Net loans and leases to total assets | 12.8300% | 4,497 |
Net loans and leases to deposits | 13.0788% | 4,505 |
Net loans and leases to core deposits | 14.9652% | 4,490 |
Total domestic deposits to total assets | 98.1100% | 32 |
Equity capital to assets | 1.7841% | 4,607 |
Core capital (leverage) ratio | 9.9904% | 2,763 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.9069% | 729 |
Memoranda: | ||
Average total assets | $71,231,667 | 4,133 |
Average earning assets | $68,341,000 | 4,091 |
Average equity | $797,667 | 4,580 |
Average total loans | $9,277,000 | 4,474 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8318% | 4,597 |
Cost of funding earning assets | 0.6803% | 3,119 |
Net interest margin | 2.1515% | 4,512 |
Noninterest income to average assets | 1.7100% | 287 |
Noninterest expense to average assets | 1.6190% | 4,284 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 2.1550% | 400 |
Return on assets (ROA) | 2.1550% | 394 |
Pretax return on assets | 2.1550% | 611 |
Return on Equity (ROE) | 271.5900% | 5 |
Retained earnings to average equity (ytd only) | 271.5919% | 4 |
Net charge-offs to loans | 0.0000% | 2,062 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 42.8994% | 4,345 |
Assets per employee ($millions) | 7.0489% | 1,944 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3344% | 265 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
Noncurrent loans to loans | 0.0000% | 3,889 |
Net loans and leases to total assets | 12.4600% | 4,563 |
Net loans and leases to deposits | 12.6541% | 4,574 |
Net loans and leases to core deposits | 14.3071% | 4,559 |
Total domestic deposits to total assets | 98.5000% | 13 |
Equity capital to assets | 1.4087% | 4,648 |
Core capital (leverage) ratio | 9.7954% | 2,893 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.1889% | 821 |
Memoranda: | ||
Average total assets | $71,648,500 | 4,185 |
Average earning assets | $68,789,500 | 4,143 |
Average equity | $568,500 | 4,657 |
Average total loans | $9,294,000 | 4,541 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5202% | 4,498 |
Cost of funding earning assets | 0.2304% | 3,511 |
Net interest margin | 2.2898% | 4,435 |
Noninterest income to average assets | 0.7600% | 1,100 |
Noninterest expense to average assets | 1.7370% | 4,109 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 1.2182% | 1,706 |
Return on assets (ROA) | 1.2182% | 1,651 |
Pretax return on assets | 1.2182% | 2,379 |
Return on Equity (ROE) | 42.0200% | 50 |
Retained earnings to average equity (ytd only) | 35.3605% | 24 |
Net charge-offs to loans | 0.0000% | 2,620 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 58.7774% | 3,222 |
Assets per employee ($millions) | 7.2808% | 1,768 |
Cash dividends to net income (ytd only)* | 15.8428% | 3,040 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1893% | 309 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
Noncurrent loans to loans | 0.0000% | 3,914 |
Net loans and leases to total assets | 12.8900% | 4,596 |
Net loans and leases to deposits | 12.9179% | 4,601 |
Net loans and leases to core deposits | 14.3620% | 4,588 |
Total domestic deposits to total assets | 99.7500% | 13 |
Equity capital to assets | 0.1978% | 4,688 |
Core capital (leverage) ratio | 9.5627% | 3,070 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.0945% | 965 |
Memoranda: | ||
Average total assets | $64,768,600 | 4,285 |
Average earning assets | $62,057,400 | 4,237 |
Average equity | $1,877,800 | 4,684 |
Average total loans | $9,310,800 | 4,573 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.4483% | 4,473 |
Cost of funding earning assets | 0.1308% | 4,025 |
Net interest margin | 2.3175% | 4,393 |
Noninterest income to average assets | 0.4600% | 2,378 |
Noninterest expense to average assets | 1.7400% | 4,093 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 0.9369% | 2,730 |
Return on assets (ROA) | 0.9369% | 2,694 |
Pretax return on assets | 0.9369% | 3,213 |
Return on Equity (ROE) | 25.4400% | 175 |
Retained earnings to average equity (ytd only) | 25.4401% | 44 |
Net charge-offs to loans | 0.0000% | 2,349 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 65.0000% | 2,405 |
Assets per employee ($millions) | 6.2676% | 2,519 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5289% | 225 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
Noncurrent loans to loans | 0.0000% | 3,992 |
Net loans and leases to total assets | 12.9100% | 4,636 |
Net loans and leases to deposits | 12.9194% | 4,645 |
Net loans and leases to core deposits | 13.9653% | 4,630 |
Total domestic deposits to total assets | 99.9600% | 17 |
Equity capital to assets | -0.0750% | 4,736 |
Core capital (leverage) ratio | 9.1143% | 3,491 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $62,758,750 | 4,341 |
Average earning assets | $60,120,750 | 4,296 |
Average equity | $2,311,250 | 4,694 |
Average total loans | $9,240,500 | 4,609 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2782% | 4,534 |
Cost of funding earning assets | 0.0866% | 4,319 |
Net interest margin | 2.1916% | 4,442 |
Noninterest income to average assets | 0.1497% | 4,264 |
Noninterest expense to average assets | 1.7106% | 4,128 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 0.5351% | 3,810 |
Return on assets (ROA) | 0.5351% | 3,761 |
Pretax return on assets | 0.5351% | 3,949 |
Return on Equity (ROE) | 10.8480% | 2,034 |
Retained earnings to average equity (ytd only) | 10.8480% | 811 |
Net charge-offs to loans | 0.0000% | 2,156 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.1702% | 1,258 |
Assets per employee ($millions) | 6.0617% | 2,687 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4654% | 269 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
Noncurrent loans to loans | 0.0000% | 4,026 |
Net loans and leases to total assets | 12.4597% | 4,696 |
Net loans and leases to deposits | 12.5485% | 4,706 |
Net loans and leases to core deposits | 13.5678% | 4,697 |
Total domestic deposits to total assets | 99.2921% | 9 |
Equity capital to assets | 0.6119% | 4,755 |
Core capital (leverage) ratio | 9.3434% | 3,080 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $62,786,333 | 4,389 |
Average earning assets | $60,047,333 | 4,355 |
Average equity | $3,097,333 | 4,681 |
Average total loans | $9,552,667 | 4,665 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2776% | 4,472 |
Cost of funding earning assets | 0.0619% | 4,515 |
Net interest margin | 2.2156% | 4,330 |
Noninterest income to average assets | 0.1512% | 4,242 |
Noninterest expense to average assets | 1.7620% | 4,028 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.5062% | 3,696 |
Return on assets (ROA) | 0.5062% | 3,663 |
Pretax return on assets | 0.5062% | 3,861 |
Return on Equity (ROE) | 6.9338% | 3,056 |
Retained earnings to average equity (ytd only) | 6.9338% | 1,909 |
Net charge-offs to loans | 0.0000% | 1,838 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.6812% | 1,341 |
Assets per employee ($millions) | 5.9782% | 2,830 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1479% | 484 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
Noncurrent loans to loans | 0.0000% | 4,066 |
Net loans and leases to total assets | 16.0031% | 4,703 |
Net loans and leases to deposits | 16.9354% | 4,713 |
Net loans and leases to core deposits | 18.4770% | 4,706 |
Total domestic deposits to total assets | 94.4950% | 79 |
Equity capital to assets | 5.4398% | 4,672 |
Core capital (leverage) ratio | 9.4507% | 2,854 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $60,840,000 | 4,428 |
Average earning assets | $58,132,000 | 4,402 |
Average equity | $4,442,000 | 4,617 |
Average total loans | $10,070,000 | 4,681 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1045% | 4,652 |
Cost of funding earning assets | 0.0419% | 4,719 |
Net interest margin | 2.0626% | 4,568 |
Noninterest income to average assets | 0.1545% | 4,378 |
Noninterest expense to average assets | 1.4864% | 4,560 |
Loan and lease loss provision to assets | 0.0000% | 3,064 |
Net operating income to assets | 0.6555% | 3,733 |
Return on assets (ROA) | 0.6555% | 3,791 |
Pretax return on assets | 0.6555% | 4,020 |
Return on Equity (ROE) | 8.2199% | 3,151 |
Retained earnings to average equity (ytd only) | 6.4747% | 2,144 |
Net charge-offs to loans | 0.0000% | 2,705 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.3957% | 1,805 |
Assets per employee ($millions) | 6.1898% | 2,581 |
Cash dividends to net income (ytd only)* | 21.2314% | 2,967 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0264% | 582 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
Noncurrent loans to loans | 0.0000% | 4,145 |
Net loans and leases to total assets | 16.4028% | 4,748 |
Net loans and leases to deposits | 18.0523% | 4,757 |
Net loans and leases to core deposits | 19.6072% | 4,744 |
Total domestic deposits to total assets | 90.8624% | 546 |
Equity capital to assets | 9.0988% | 3,516 |
Core capital (leverage) ratio | 8.3333% | 4,078 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.2312% | 999 |
Memoranda: | ||
Average total assets | $71,850,200 | 4,317 |
Average earning assets | $69,232,000 | 4,270 |
Average equity | $5,730,000 | 4,557 |
Average total loans | $11,078,200 | 4,712 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0781% | 4,747 |
Cost of funding earning assets | 0.0409% | 4,812 |
Net interest margin | 2.0372% | 4,662 |
Noninterest income to average assets | 0.1273% | 4,554 |
Noninterest expense to average assets | 1.4384% | 4,654 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 0.6546% | 3,884 |
Return on assets (ROA) | 0.6798% | 3,878 |
Pretax return on assets | 0.6798% | 4,103 |
Return on Equity (ROE) | 8.7813% | 3,173 |
Retained earnings to average equity (ytd only) | 8.7813% | 1,774 |
Net charge-offs to loans | 0.0000% | 2,463 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.7232% | 1,733 |
Assets per employee ($millions) | 5.5348% | 3,158 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0380% | 588 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
Noncurrent loans to loans | 0.0000% | 4,237 |
Net loans and leases to total assets | 15.1979% | 4,826 |
Net loans and leases to deposits | 16.7585% | 4,835 |
Net loans and leases to core deposits | 18.1805% | 4,829 |
Total domestic deposits to total assets | 90.6876% | 477 |
Equity capital to assets | 9.1784% | 3,675 |
Core capital (leverage) ratio | 8.5522% | 3,965 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.0416% | 1,125 |
Memoranda: | ||
Average total assets | $74,338,250 | 4,340 |
Average earning assets | $71,730,000 | 4,291 |
Average equity | $5,754,500 | 4,621 |
Average total loans | $11,257,000 | 4,783 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0803% | 4,788 |
Cost of funding earning assets | 0.0431% | 4,846 |
Net interest margin | 2.0372% | 4,691 |
Noninterest income to average assets | 0.1195% | 4,599 |
Noninterest expense to average assets | 1.4056% | 4,713 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 0.6807% | 3,806 |
Return on assets (ROA) | 0.7171% | 3,782 |
Pretax return on assets | 0.7171% | 4,029 |
Return on Equity (ROE) | 9.7861% | 2,834 |
Retained earnings to average equity (ytd only) | 9.7861% | 1,469 |
Net charge-offs to loans | 0.0000% | 2,245 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.3724% | 1,954 |
Assets per employee ($millions) | 5.5011% | 3,130 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9862% | 619 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
Noncurrent loans to loans | 0.0000% | 4,280 |
Net loans and leases to total assets | 15.6984% | 4,861 |
Net loans and leases to deposits | 17.2089% | 4,866 |
Net loans and leases to core deposits | 18.7362% | 4,864 |
Total domestic deposits to total assets | 91.2229% | 300 |
Equity capital to assets | 8.6619% | 4,079 |
Core capital (leverage) ratio | 6.3807% | 4,911 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.5909% | 1,209 |
Memoranda: | ||
Average total assets | $76,978,667 | 4,337 |
Average earning assets | $74,316,000 | 4,285 |
Average equity | $5,640,667 | 4,663 |
Average total loans | $11,574,667 | 4,810 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.8873% | 4,861 |
Cost of funding earning assets | 0.0400% | 4,896 |
Net interest margin | 1.8473% | 4,793 |
Noninterest income to average assets | 0.1116% | 4,639 |
Noninterest expense to average assets | 1.3291% | 4,805 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 0.5724% | 4,015 |
Return on assets (ROA) | 0.5724% | 4,067 |
Pretax return on assets | 0.5724% | 4,235 |
Return on Equity (ROE) | 8.4256% | 3,207 |
Retained earnings to average equity (ytd only) | 8.4256% | 2,117 |
Net charge-offs to loans | 0.0000% | 1,930 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.8980% | 1,717 |
Assets per employee ($millions) | 7.2428% | 1,618 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7723% | 916 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
Noncurrent loans to loans | 0.0000% | 4,341 |
Net loans and leases to total assets | 13.3914% | 4,907 |
Net loans and leases to deposits | 14.2168% | 4,911 |
Net loans and leases to core deposits | 15.1506% | 4,906 |
Total domestic deposits to total assets | 94.1943% | 8 |
Equity capital to assets | 5.7540% | 4,952 |
Core capital (leverage) ratio | 6.7650% | 4,920 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.2704% | 2,174 |
Memoranda: | ||
Average total assets | $82,461,500 | 4,276 |
Average earning assets | $79,900,500 | 4,220 |
Average equity | $5,602,000 | 4,683 |
Average total loans | $12,075,500 | 4,828 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.4387% | 4,857 |
Cost of funding earning assets | 0.1075% | 4,848 |
Net interest margin | 2.3312% | 4,701 |
Noninterest income to average assets | 0.1863% | 4,360 |
Noninterest expense to average assets | 1.7410% | 4,557 |
Loan and lease loss provision to assets | 0.0087% | 4,247 |
Net operating income to assets | 0.6633% | 3,546 |
Return on assets (ROA) | 0.8357% | 3,085 |
Pretax return on assets | 0.8357% | 3,545 |
Return on Equity (ROE) | 8.3752% | 2,661 |
Retained earnings to average equity (ytd only) | 6.6304% | 1,534 |
Net charge-offs to loans | 0.0000% | 3,443 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.1501% | 1,664 |
Assets per employee ($millions) | 6.5008% | 1,919 |
Cash dividends to net income (ytd only)* | 20.8333% | 3,207 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7070% | 1,022 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
Noncurrent loans to loans | 0.0000% | 4,420 |
Net loans and leases to total assets | 15.5008% | 4,913 |
Net loans and leases to deposits | 16.8452% | 4,923 |
Net loans and leases to core deposits | 18.0502% | 4,918 |
Total domestic deposits to total assets | 92.0189% | 67 |
Equity capital to assets | 7.9516% | 4,727 |
Core capital (leverage) ratio | 6.9278% | 4,942 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.0249% | 1,840 |
Memoranda: | ||
Average total assets | $57,438,600 | 4,547 |
Average earning assets | $54,865,600 | 4,514 |
Average equity | $5,731,200 | 4,673 |
Average total loans | $12,502,400 | 4,853 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5645% | 4,897 |
Cost of funding earning assets | 0.1340% | 4,849 |
Net interest margin | 2.4305% | 4,704 |
Noninterest income to average assets | 0.2091% | 4,225 |
Noninterest expense to average assets | 1.8586% | 4,399 |
Loan and lease loss provision to assets | 0.0000% | 4,239 |
Net operating income to assets | 0.6629% | 3,585 |
Return on assets (ROA) | 0.6629% | 3,688 |
Pretax return on assets | 0.6629% | 3,978 |
Return on Equity (ROE) | 6.1757% | 3,490 |
Retained earnings to average equity (ytd only) | 6.1757% | 2,029 |
Net charge-offs to loans | 0.0000% | 3,243 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.7108% | 1,437 |
Assets per employee ($millions) | 6.7339% | 1,658 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5109% | 1,350 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
Noncurrent loans to loans | 0.0000% | 4,475 |
Net loans and leases to total assets | 18.0403% | 4,943 |
Net loans and leases to deposits | 19.7091% | 4,952 |
Net loans and leases to core deposits | 21.2442% | 4,948 |
Total domestic deposits to total assets | 91.5327% | 99 |
Equity capital to assets | 8.3836% | 4,528 |
Core capital (leverage) ratio | 8.5447% | 4,241 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $52,296,000 | 4,643 |
Average earning assets | $49,754,750 | 4,611 |
Average equity | $5,613,250 | 4,705 |
Average total loans | $12,552,500 | 4,880 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9264% | 4,872 |
Cost of funding earning assets | 0.1879% | 4,791 |
Net interest margin | 2.7385% | 4,521 |
Noninterest income to average assets | 0.2220% | 4,160 |
Noninterest expense to average assets | 2.1405% | 3,947 |
Loan and lease loss provision to assets | 0.0000% | 4,134 |
Net operating income to assets | 0.6706% | 3,498 |
Return on assets (ROA) | 0.6706% | 3,600 |
Pretax return on assets | 0.6706% | 3,927 |
Return on Equity (ROE) | 5.5778% | 3,640 |
Retained earnings to average equity (ytd only) | 5.5778% | 2,244 |
Net charge-offs to loans | 0.0000% | 3,033 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.1453% | 1,250 |
Assets per employee ($millions) | 4.8754% | 3,336 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7559% | 720 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
Noncurrent loans to loans | 0.0000% | 4,537 |
Net loans and leases to total assets | 23.5263% | 4,932 |
Net loans and leases to deposits | 26.8631% | 4,946 |
Net loans and leases to core deposits | 30.4859% | 4,931 |
Total domestic deposits to total assets | 87.5785% | 1,390 |
Equity capital to assets | 12.3005% | 1,479 |
Core capital (leverage) ratio | 11.3904% | 1,719 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $45,037,000 | 4,753 |
Average earning assets | $42,577,333 | 4,734 |
Average equity | $5,414,333 | 4,754 |
Average total loans | $12,214,000 | 4,916 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1455% | 4,897 |
Cost of funding earning assets | 0.2254% | 4,828 |
Net interest margin | 2.9201% | 4,403 |
Noninterest income to average assets | 0.2501% | 4,048 |
Noninterest expense to average assets | 2.2696% | 3,838 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 0.7411% | 3,126 |
Return on assets (ROA) | 0.7411% | 3,204 |
Pretax return on assets | 0.7411% | 3,564 |
Return on Equity (ROE) | 6.2463% | 3,221 |
Retained earnings to average equity (ytd only) | 6.2463% | 1,788 |
Net charge-offs to loans | 0.0000% | 2,581 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.3846% | 1,636 |
Assets per employee ($millions) | 4.3198% | 3,510 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7100% | 863 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
Noncurrent loans to loans | 0.0000% | 4,593 |
Net loans and leases to total assets | 27.2767% | 4,945 |
Net loans and leases to deposits | 30.9257% | 4,964 |
Net loans and leases to core deposits | 36.3112% | 4,924 |
Total domestic deposits to total assets | 88.2008% | 1,017 |
Equity capital to assets | 11.7112% | 2,278 |
Core capital (leverage) ratio | 11.8626% | 1,830 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $43,178,500 | 4,805 |
Average earning assets | $40,820,500 | 4,783 |
Average equity | $5,123,000 | 4,823 |
Average total loans | $12,483,500 | 4,954 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3501% | 4,936 |
Cost of funding earning assets | 0.2476% | 4,859 |
Net interest margin | 3.1025% | 4,358 |
Noninterest income to average assets | 0.2941% | 3,929 |
Noninterest expense to average assets | 2.4819% | 3,499 |
Loan and lease loss provision to assets | 0.0000% | 3,973 |
Net operating income to assets | 0.7352% | 3,750 |
Return on assets (ROA) | 0.8442% | 3,495 |
Pretax return on assets | 0.8442% | 3,894 |
Return on Equity (ROE) | 6.6032% | 3,706 |
Retained earnings to average equity (ytd only) | 3.6288% | 3,182 |
Net charge-offs to loans | 0.0000% | 3,726 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.1474% | 1,248 |
Assets per employee ($millions) | 4.3159% | 3,484 |
Cash dividends to net income (ytd only)* | 45.0450% | 2,326 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5795% | 1,021 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
Noncurrent loans to loans | 0.0000% | 4,619 |
Net loans and leases to total assets | 29.5975% | 4,972 |
Net loans and leases to deposits | 33.6619% | 5,000 |
Net loans and leases to core deposits | 38.6237% | 4,968 |
Total domestic deposits to total assets | 87.9260% | 1,160 |
Equity capital to assets | 12.0184% | 2,124 |
Core capital (leverage) ratio | 12.0297% | 1,756 |
Tier 1 risk-based capital ratio | 25.5638% | 710 |
Total risk-based capital ratio | 26.6099% | 709 |
Memoranda: | ||
Average total assets | $39,445,400 | 4,900 |
Average earning assets | $37,163,000 | 4,876 |
Average equity | $5,043,000 | 4,876 |
Average total loans | $13,097,000 | 5,002 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3933% | 5,027 |
Cost of funding earning assets | 0.2573% | 4,908 |
Net interest margin | 3.1359% | 4,423 |
Noninterest income to average assets | 0.3012% | 3,934 |
Noninterest expense to average assets | 2.5512% | 3,296 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 0.7027% | 4,004 |
Return on assets (ROA) | 0.8515% | 3,597 |
Pretax return on assets | 0.8515% | 4,003 |
Return on Equity (ROE) | 6.5506% | 3,860 |
Retained earnings to average equity (ytd only) | 6.5506% | 2,089 |
Net charge-offs to loans | 0.0000% | 3,455 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.4043% | 1,064 |
Assets per employee ($millions) | 4.1805% | 3,645 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5333% | 1,159 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
Noncurrent loans to loans | 0.0000% | 4,706 |
Net loans and leases to total assets | 31.4914% | 5,027 |
Net loans and leases to deposits | 36.1071% | 5,063 |
Net loans and leases to core deposits | 40.9882% | 5,014 |
Total domestic deposits to total assets | 87.2168% | 1,421 |
Equity capital to assets | 12.6564% | 1,809 |
Core capital (leverage) ratio | 13.5427% | 1,118 |
Tier 1 risk-based capital ratio | 25.8218% | 720 |
Total risk-based capital ratio | 26.8602% | 718 |
Memoranda: | ||
Average total assets | $38,517,000 | 4,992 |
Average earning assets | $36,266,750 | 4,963 |
Average equity | $5,007,000 | 4,947 |
Average total loans | $13,126,500 | 5,081 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4869% | 5,015 |
Cost of funding earning assets | 0.1081% | 5,218 |
Net interest margin | 3.3788% | 3,958 |
Noninterest income to average assets | 0.2940% | 3,969 |
Noninterest expense to average assets | 2.6242% | 3,134 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 0.8444% | 3,490 |
Return on assets (ROA) | 0.8819% | 3,417 |
Pretax return on assets | 0.8819% | 3,903 |
Return on Equity (ROE) | 6.7178% | 3,782 |
Retained earnings to average equity (ytd only) | 6.7178% | 1,943 |
Net charge-offs to loans | 0.0000% | 3,172 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.6549% | 1,440 |
Assets per employee ($millions) | 3.8124% | 4,108 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4907% | 1,303 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
Noncurrent loans to loans | 0.0000% | 4,745 |
Net loans and leases to total assets | 35.5340% | 4,990 |
Net loans and leases to deposits | 41.1738% | 5,024 |
Net loans and leases to core deposits | 49.4470% | 4,879 |
Total domestic deposits to total assets | 86.3026% | 1,890 |
Equity capital to assets | 13.5925% | 1,283 |
Core capital (leverage) ratio | 13.1922% | 1,214 |
Tier 1 risk-based capital ratio | 23.2710% | 920 |
Total risk-based capital ratio | 24.2219% | 920 |
Memoranda: | ||
Average total assets | $37,421,000 | 5,047 |
Average earning assets | $35,160,330 | 5,023 |
Average equity | $4,912,330 | 4,995 |
Average total loans | $13,045,330 | 5,127 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4560% | 5,076 |
Cost of funding earning assets | 0.1033% | 5,275 |
Net interest margin | 3.3527% | 4,028 |
Noninterest income to average assets | 0.2913% | 3,927 |
Noninterest expense to average assets | 2.6113% | 3,186 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 0.8309% | 3,517 |
Return on assets (ROA) | 0.8309% | 3,554 |
Pretax return on assets | 0.8309% | 3,967 |
Return on Equity (ROE) | 6.4469% | 3,859 |
Retained earnings to average equity (ytd only) | 6.4469% | 2,263 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.8621% | 1,511 |
Assets per employee ($millions) | 3.7471% | 4,277 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6690% | 921 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
Noncurrent loans to loans | 0.0000% | 4,814 |
Net loans and leases to total assets | 32.2329% | 5,107 |
Net loans and leases to deposits | 37.0695% | 5,130 |
Net loans and leases to core deposits | 44.5946% | 5,025 |
Total domestic deposits to total assets | 86.9526% | 1,838 |
Equity capital to assets | 13.0181% | 1,443 |
Core capital (leverage) ratio | 13.2086% | 1,182 |
Tier 1 risk-based capital ratio | 29.6921% | 489 |
Total risk-based capital ratio | 30.9273% | 479 |
Memoranda: | ||
Average total assets | $37,069,500 | 5,105 |
Average earning assets | $34,838,000 | 5,084 |
Average equity | $4,777,500 | 5,053 |
Average total loans | $12,692,000 | 5,199 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4052% | 5,000 |
Cost of funding earning assets | 0.0924% | 5,302 |
Net interest margin | 3.3129% | 4,215 |
Noninterest income to average assets | 0.3318% | 3,887 |
Noninterest expense to average assets | 2.6181% | 3,278 |
Loan and lease loss provision to assets | 0.0000% | 4,082 |
Net operating income to assets | 0.8142% | 3,752 |
Return on assets (ROA) | 0.8142% | 3,753 |
Pretax return on assets | 0.8142% | 4,129 |
Return on Equity (ROE) | 6.3352% | 4,056 |
Retained earnings to average equity (ytd only) | 4.1656% | 3,266 |
Net charge-offs to loans | 0.0000% | 3,782 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.2794% | 1,321 |
Assets per employee ($millions) | 3.6668% | 4,372 |
Cash dividends to net income (ytd only)* | 34.2466% | 2,827 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5648% | 1,108 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
Noncurrent loans to loans | 0.0000% | 4,837 |
Net loans and leases to total assets | 35.1696% | 5,092 |
Net loans and leases to deposits | 40.3151% | 5,117 |
Net loans and leases to core deposits | 47.7842% | 4,991 |
Total domestic deposits to total assets | 87.2368% | 1,669 |
Equity capital to assets | 12.7550% | 1,459 |
Core capital (leverage) ratio | 13.1887% | 1,181 |
Tier 1 risk-based capital ratio | 30.4372% | 456 |
Total risk-based capital ratio | 31.6856% | 448 |
Memoranda: | ||
Average total assets | $35,865,200 | 5,161 |
Average earning assets | $33,566,000 | 5,147 |
Average equity | $4,609,200 | 5,102 |
Average total loans | $12,969,400 | 5,234 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3813% | 5,055 |
Cost of funding earning assets | 0.0958% | 5,361 |
Net interest margin | 3.2855% | 4,321 |
Noninterest income to average assets | 0.3402% | 3,871 |
Noninterest expense to average assets | 2.6281% | 3,205 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 0.7888% | 3,945 |
Return on assets (ROA) | 0.7888% | 3,958 |
Pretax return on assets | 0.7888% | 4,325 |
Return on Equity (ROE) | 6.1262% | 4,234 |
Retained earnings to average equity (ytd only) | 6.1262% | 2,594 |
Net charge-offs to loans | 0.0000% | 3,489 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.9147% | 1,238 |
Assets per employee ($millions) | 3.5642% | 4,474 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5426% | 1,216 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
Noncurrent loans to loans | 0.0000% | 4,954 |
Net loans and leases to total assets | 36.7095% | 5,116 |
Net loans and leases to deposits | 42.2542% | 5,148 |
Net loans and leases to core deposits | 49.6339% | 5,029 |
Total domestic deposits to total assets | 86.8778% | 1,787 |
Equity capital to assets | 13.0268% | 1,323 |
Core capital (leverage) ratio | 13.9736% | 942 |
Tier 1 risk-based capital ratio | 23.0144% | 937 |
Total risk-based capital ratio | 23.9773% | 943 |
Memoranda: | ||
Average total assets | $35,664,500 | 5,230 |
Average earning assets | $33,398,250 | 5,210 |
Average equity | $4,592,250 | 5,166 |
Average total loans | $12,936,500 | 5,301 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3476% | 5,092 |
Cost of funding earning assets | 0.1016% | 5,405 |
Net interest margin | 3.2460% | 4,390 |
Noninterest income to average assets | 0.3420% | 3,891 |
Noninterest expense to average assets | 2.6351% | 3,204 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 0.7513% | 4,026 |
Return on assets (ROA) | 0.7513% | 4,028 |
Pretax return on assets | 0.7513% | 4,387 |
Return on Equity (ROE) | 5.8575% | 4,291 |
Retained earnings to average equity (ytd only) | 5.8575% | 2,637 |
Net charge-offs to loans | 0.0000% | 3,209 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.8146% | 1,217 |
Assets per employee ($millions) | 3.5258% | 4,556 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6073% | 1,090 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
Noncurrent loans to loans | 0.0000% | 4,980 |
Net loans and leases to total assets | 35.5919% | 5,194 |
Net loans and leases to deposits | 40.9630% | 5,221 |
Net loans and leases to core deposits | 47.8330% | 5,103 |
Total domestic deposits to total assets | 86.8881% | 1,887 |
Equity capital to assets | 13.0041% | 1,289 |
Core capital (leverage) ratio | 13.6929% | 996 |
Tier 1 risk-based capital ratio | 22.8810% | 943 |
Total risk-based capital ratio | 23.8533% | 956 |
Memoranda: | ||
Average total assets | $35,672,000 | 5,292 |
Average earning assets | $33,456,670 | 5,269 |
Average equity | $4,575,330 | 5,224 |
Average total loans | $12,819,000 | 5,365 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2304% | 5,208 |
Cost of funding earning assets | 0.1188% | 5,395 |
Net interest margin | 3.1116% | 4,681 |
Noninterest income to average assets | 0.3456% | 3,832 |
Noninterest expense to average assets | 2.6757% | 3,111 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 0.5909% | 4,448 |
Return on assets (ROA) | 0.5909% | 4,454 |
Pretax return on assets | 0.5909% | 4,708 |
Return on Equity (ROE) | 4.6384% | 4,598 |
Retained earnings to average equity (ytd only) | 4.6384% | 3,347 |
Net charge-offs to loans | 0.0000% | 2,722 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.9113% | 952 |
Assets per employee ($millions) | 3.6369% | 4,492 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6110% | 1,133 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
Noncurrent loans to loans | 0.0000% | 5,035 |
Net loans and leases to total assets | 34.4249% | 5,260 |
Net loans and leases to deposits | 39.3364% | 5,280 |
Net loans and leases to core deposits | 46.4168% | 5,148 |
Total domestic deposits to total assets | 87.5141% | 1,890 |
Equity capital to assets | 12.4337% | 1,522 |
Core capital (leverage) ratio | 13.4188% | 1,031 |
Tier 1 risk-based capital ratio | 22.6818% | 968 |
Total risk-based capital ratio | 23.6622% | 982 |
Memoranda: | ||
Average total assets | $35,879,000 | 5,349 |
Average earning assets | $33,680,000 | 5,322 |
Average equity | $4,570,500 | 5,280 |
Average total loans | $12,851,500 | 5,427 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1959% | 5,192 |
Cost of funding earning assets | 0.0916% | 5,526 |
Net interest margin | 3.1044% | 4,686 |
Noninterest income to average assets | 0.3272% | 4,130 |
Noninterest expense to average assets | 2.6718% | 3,225 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 0.5492% | 4,226 |
Return on assets (ROA) | 0.5492% | 4,256 |
Pretax return on assets | 0.5492% | 4,849 |
Return on Equity (ROE) | 4.1815% | 4,450 |
Retained earnings to average equity (ytd only) | 2.0149% | 4,108 |
Net charge-offs to loans | 0.0000% | 4,128 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.9505% | 856 |
Assets per employee ($millions) | 3.5389% | 4,653 |
Cash dividends to net income (ytd only)* | 51.8135% | 2,184 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5796% | 1,183 |
Loan loss allowance to noncurrent loans | 759.2593% | 794 |
Noncurrent assets plus other real estate owned to assets | 0.0763% | 4,738 |
Noncurrent loans to loans | 0.2080% | 4,079 |
Net loans and leases to total assets | 36.0931% | 5,284 |
Net loans and leases to deposits | 41.5207% | 5,306 |
Net loans and leases to core deposits | 49.9218% | 5,138 |
Total domestic deposits to total assets | 86.9281% | 2,027 |
Equity capital to assets | 13.0521% | 1,239 |
Core capital (leverage) ratio | 13.1977% | 1,076 |
Tier 1 risk-based capital ratio | 22.4741% | 969 |
Total risk-based capital ratio | 23.4567% | 966 |
Memoranda: | ||
Average total assets | $35,144,800 | 5,409 |
Average earning assets | $32,760,400 | 5,390 |
Average equity | $4,615,600 | 5,333 |
Average total loans | $13,089,400 | 5,483 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1927% | 5,239 |
Cost of funding earning assets | 0.0939% | 5,576 |
Net interest margin | 3.0988% | 4,717 |
Noninterest income to average assets | 0.3382% | 4,116 |
Noninterest expense to average assets | 2.7210% | 2,992 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 0.5017% | 4,726 |
Return on assets (ROA) | 0.5017% | 4,760 |
Pretax return on assets | 0.5017% | 5,023 |
Return on Equity (ROE) | 3.8139% | 4,912 |
Retained earnings to average equity (ytd only) | 3.8139% | 3,650 |
Net charge-offs to loans | 0.0000% | 3,796 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.4340% | 724 |
Assets per employee ($millions) | 3.5106% | 4,721 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6051% | 1,229 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
Noncurrent loans to loans | 0.0000% | 5,172 |
Net loans and leases to total assets | 35.7973% | 5,356 |
Net loans and leases to deposits | 41.4001% | 5,376 |
Net loans and leases to core deposits | 47.5464% | 5,271 |
Total domestic deposits to total assets | 86.4667% | 2,109 |
Equity capital to assets | 13.4450% | 1,185 |
Core capital (leverage) ratio | 13.7675% | 953 |
Tier 1 risk-based capital ratio | 23.4760% | 901 |
Total risk-based capital ratio | 24.4936% | 909 |
Memoranda: | ||
Average total assets | $35,083,750 | 5,470 |
Average earning assets | $32,657,000 | 5,449 |
Average equity | $4,614,750 | 5,389 |
Average total loans | $13,117,250 | 5,546 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1999% | 5,242 |
Cost of funding earning assets | 0.0983% | 5,604 |
Net interest margin | 3.1016% | 4,681 |
Noninterest income to average assets | 0.3421% | 4,104 |
Noninterest expense to average assets | 2.7255% | 2,994 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 0.4961% | 4,715 |
Return on assets (ROA) | 0.4961% | 4,752 |
Pretax return on assets | 0.4961% | 5,010 |
Return on Equity (ROE) | 3.7994% | 4,878 |
Retained earnings to average equity (ytd only) | 3.7994% | 3,428 |
Net charge-offs to loans | 0.0000% | 3,512 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.6018% | 795 |
Assets per employee ($millions) | 3.5235% | 4,684 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5663% | 1,344 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
Noncurrent loans to loans | 0.0000% | 5,209 |
Net loans and leases to total assets | 36.5631% | 5,357 |
Net loans and leases to deposits | 42.2061% | 5,393 |
Net loans and leases to core deposits | 48.4724% | 5,271 |
Total domestic deposits to total assets | 86.6298% | 2,120 |
Equity capital to assets | 13.2652% | 1,243 |
Core capital (leverage) ratio | 13.4076% | 1,021 |
Tier 1 risk-based capital ratio | 22.9942% | 954 |
Total risk-based capital ratio | 24.0008% | 953 |
Memoranda: | ||
Average total assets | $35,076,330 | 5,519 |
Average earning assets | $32,563,670 | 5,499 |
Average equity | $4,579,670 | 5,431 |
Average total loans | $13,232,330 | 5,591 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1604% | 5,295 |
Cost of funding earning assets | 0.0857% | 5,702 |
Net interest margin | 3.0746% | 4,722 |
Noninterest income to average assets | 0.3315% | 4,179 |
Noninterest expense to average assets | 2.6859% | 3,195 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.5143% | 4,540 |
Return on assets (ROA) | 0.5143% | 4,569 |
Pretax return on assets | 0.5143% | 4,939 |
Return on Equity (ROE) | 3.9713% | 4,792 |
Retained earnings to average equity (ytd only) | 3.9713% | 3,460 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.9286% | 974 |
Assets per employee ($millions) | 3.5131% | 4,776 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5461% | 1,522 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
Noncurrent loans to loans | 0.0000% | 5,285 |
Net loans and leases to total assets | 37.1581% | 5,361 |
Net loans and leases to deposits | 42.7341% | 5,394 |
Net loans and leases to core deposits | 50.2967% | 5,211 |
Total domestic deposits to total assets | 86.9517% | 2,242 |
Equity capital to assets | 12.9999% | 1,256 |
Core capital (leverage) ratio | 13.1420% | 1,086 |
Tier 1 risk-based capital ratio | 22.7148% | 1,011 |
Total risk-based capital ratio | 23.7179% | 1,017 |
Memoranda: | ||
Average total assets | $34,997,000 | 5,581 |
Average earning assets | $32,654,500 | 5,564 |
Average equity | $4,532,500 | 5,495 |
Average total loans | $13,304,500 | 5,651 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2947% | 5,167 |
Cost of funding earning assets | 0.0846% | 5,762 |
Net interest margin | 3.2101% | 4,419 |
Noninterest income to average assets | 0.4120% | 3,795 |
Noninterest expense to average assets | 2.9161% | 2,620 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 0.5120% | 4,583 |
Return on assets (ROA) | 0.7092% | 3,862 |
Pretax return on assets | 0.7092% | 4,461 |
Return on Equity (ROE) | 5.2362% | 4,306 |
Retained earnings to average equity (ytd only) | 3.0635% | 3,718 |
Net charge-offs to loans | 0.0000% | 4,281 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.0644% | 899 |
Assets per employee ($millions) | 3.1694% | 5,192 |
Cash dividends to net income (ytd only)* | 41.4938% | 2,787 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5356% | 1,549 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
Noncurrent loans to loans | 0.0000% | 5,326 |
Net loans and leases to total assets | 37.7047% | 5,411 |
Net loans and leases to deposits | 43.3014% | 5,452 |
Net loans and leases to core deposits | 51.0406% | 5,267 |
Total domestic deposits to total assets | 87.0751% | 2,103 |
Equity capital to assets | 12.9019% | 1,295 |
Core capital (leverage) ratio | 12.7010% | 1,252 |
Tier 1 risk-based capital ratio | 22.4217% | 1,027 |
Total risk-based capital ratio | 23.4218% | 1,028 |
Memoranda: | ||
Average total assets | $33,983,800 | 5,650 |
Average earning assets | $31,930,400 | 5,628 |
Average equity | $4,602,600 | 5,537 |
Average total loans | $13,863,000 | 5,692 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3354% | 5,156 |
Cost of funding earning assets | 0.0882% | 5,816 |
Net interest margin | 3.2472% | 4,351 |
Noninterest income to average assets | 0.4541% | 3,530 |
Noninterest expense to average assets | 2.9538% | 2,451 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.5528% | 4,485 |
Return on assets (ROA) | 0.8174% | 3,423 |
Pretax return on assets | 0.8174% | 4,256 |
Return on Equity (ROE) | 5.9625% | 4,081 |
Retained earnings to average equity (ytd only) | 5.9625% | 2,203 |
Net charge-offs to loans | 0.0000% | 3,952 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.2342% | 980 |
Assets per employee ($millions) | 3.0287% | 5,367 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5263% | 1,668 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
Noncurrent loans to loans | 0.0000% | 5,428 |
Net loans and leases to total assets | 39.6986% | 5,395 |
Net loans and leases to deposits | 46.2933% | 5,451 |
Net loans and leases to core deposits | 53.2362% | 5,254 |
Total domestic deposits to total assets | 85.7546% | 2,480 |
Equity capital to assets | 14.0953% | 1,001 |
Core capital (leverage) ratio | 14.1028% | 819 |
Tier 1 risk-based capital ratio | 23.4311% | 956 |
Total risk-based capital ratio | 24.4570% | 963 |
Memoranda: | ||
Average total assets | $33,764,000 | 5,714 |
Average earning assets | $31,739,500 | 5,694 |
Average equity | $4,628,750 | 5,590 |
Average total loans | $13,991,250 | 5,748 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3144% | 5,261 |
Cost of funding earning assets | 0.0815% | 5,919 |
Net interest margin | 3.2329% | 4,436 |
Noninterest income to average assets | 0.4364% | 3,629 |
Noninterest expense to average assets | 3.0254% | 2,263 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.4541% | 4,856 |
Return on assets (ROA) | 0.8492% | 3,220 |
Pretax return on assets | 0.8492% | 4,125 |
Return on Equity (ROE) | 6.2523% | 3,933 |
Retained earnings to average equity (ytd only) | 6.2523% | 1,988 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.9492% | 797 |
Assets per employee ($millions) | 2.9975% | 5,443 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4702% | 1,982 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
Noncurrent loans to loans | 0.0000% | 5,521 |
Net loans and leases to total assets | 41.6687% | 5,350 |
Net loans and leases to deposits | 48.5717% | 5,398 |
Net loans and leases to core deposits | 56.0753% | 5,167 |
Total domestic deposits to total assets | 85.7879% | 2,529 |
Equity capital to assets | 14.0877% | 991 |
Core capital (leverage) ratio | 13.9056% | 852 |
Tier 1 risk-based capital ratio | 22.7597% | 1,045 |
Total risk-based capital ratio | 23.7696% | 1,060 |
Memoranda: | ||
Average total assets | $33,913,330 | 5,778 |
Average earning assets | $31,921,330 | 5,753 |
Average equity | $4,606,330 | 5,656 |
Average total loans | $14,178,000 | 5,807 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3123% | 5,297 |
Cost of funding earning assets | 0.0989% | 5,920 |
Net interest margin | 3.2134% | 4,540 |
Noninterest income to average assets | 0.4188% | 3,689 |
Noninterest expense to average assets | 2.9549% | 2,529 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.4886% | 4,680 |
Return on assets (ROA) | 0.8143% | 3,296 |
Pretax return on assets | 0.8143% | 4,149 |
Return on Equity (ROE) | 6.1042% | 3,931 |
Retained earnings to average equity (ytd only) | 6.1042% | 2,328 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.8108% | 991 |
Assets per employee ($millions) | 3.1216% | 5,371 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4266% | 2,309 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
Noncurrent loans to loans | 0.0000% | 5,543 |
Net loans and leases to total assets | 41.2517% | 5,387 |
Net loans and leases to deposits | 47.6840% | 5,435 |
Net loans and leases to core deposits | 54.2533% | 5,238 |
Total domestic deposits to total assets | 86.5106% | 2,440 |
Equity capital to assets | 13.4254% | 1,209 |
Core capital (leverage) ratio | 13.2049% | 1,082 |
Tier 1 risk-based capital ratio | 22.6717% | 1,059 |
Total risk-based capital ratio | 23.6943% | 1,070 |
Memoranda: | ||
Average total assets | $34,384,000 | 5,831 |
Average earning assets | $32,364,000 | 5,800 |
Average equity | $4,587,000 | 5,707 |
Average total loans | $14,295,000 | 5,864 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3783% | 5,208 |
Cost of funding earning assets | 0.0969% | 5,977 |
Net interest margin | 3.2814% | 4,367 |
Noninterest income to average assets | 0.4312% | 3,809 |
Noninterest expense to average assets | 2.7953% | 3,249 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 0.7157% | 3,736 |
Return on assets (ROA) | 0.7157% | 3,842 |
Pretax return on assets | 0.7157% | 4,484 |
Return on Equity (ROE) | 5.4208% | 4,321 |
Retained earnings to average equity (ytd only) | 2.9770% | 3,947 |
Net charge-offs to loans | 0.0000% | 4,462 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.6157% | 1,724 |
Assets per employee ($millions) | 3.4430% | 4,916 |
Cash dividends to net income (ytd only)* | 45.0820% | 2,589 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4416% | 2,245 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
Noncurrent loans to loans | 0.0000% | 5,583 |
Net loans and leases to total assets | 40.7058% | 5,480 |
Net loans and leases to deposits | 46.9577% | 5,519 |
Net loans and leases to core deposits | 54.0056% | 5,317 |
Total domestic deposits to total assets | 86.6860% | 2,281 |
Equity capital to assets | 13.2559% | 1,232 |
Core capital (leverage) ratio | 12.9074% | 1,180 |
Tier 1 risk-based capital ratio | 22.5828% | 1,073 |
Total risk-based capital ratio | 23.6173% | 1,083 |
Memoranda: | ||
Average total assets | $34,093,200 | 5,887 |
Average earning assets | $31,998,200 | 5,857 |
Average equity | $4,501,200 | 5,759 |
Average total loans | $13,719,000 | 5,934 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3587% | 5,298 |
Cost of funding earning assets | 0.1046% | 6,044 |
Net interest margin | 3.2542% | 4,509 |
Noninterest income to average assets | 0.4312% | 3,857 |
Noninterest expense to average assets | 2.8619% | 2,969 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 0.6194% | 4,289 |
Return on assets (ROA) | 0.6194% | 4,396 |
Pretax return on assets | 0.6194% | 4,926 |
Return on Equity (ROE) | 4.6965% | 4,756 |
Retained earnings to average equity (ytd only) | 4.6965% | 3,131 |
Net charge-offs to loans | 0.0000% | 4,182 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.2072% | 1,365 |
Assets per employee ($millions) | 3.4060% | 4,969 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3978% | 2,613 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
Noncurrent loans to loans | 0.0000% | 5,684 |
Net loans and leases to total assets | 42.4574% | 5,462 |
Net loans and leases to deposits | 49.1052% | 5,506 |
Net loans and leases to core deposits | 55.4997% | 5,331 |
Total domestic deposits to total assets | 86.4621% | 2,301 |
Equity capital to assets | 13.3999% | 1,276 |
Core capital (leverage) ratio | 13.2671% | 1,104 |
Tier 1 risk-based capital ratio | 20.6093% | 1,420 |
Total risk-based capital ratio | 21.5483% | 1,446 |
Memoranda: | ||
Average total assets | $34,009,000 | 5,969 |
Average earning assets | $31,876,500 | 5,934 |
Average equity | $4,485,500 | 5,837 |
Average total loans | $13,593,750 | 6,013 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2589% | 5,517 |
Cost of funding earning assets | 0.1003% | 6,133 |
Net interest margin | 3.1587% | 4,792 |
Noninterest income to average assets | 0.3942% | 4,122 |
Noninterest expense to average assets | 2.8771% | 2,968 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.4825% | 4,839 |
Return on assets (ROA) | 0.4825% | 4,943 |
Pretax return on assets | 0.4825% | 5,271 |
Return on Equity (ROE) | 3.6777% | 5,149 |
Retained earnings to average equity (ytd only) | 3.6777% | 3,683 |
Net charge-offs to loans | 0.0000% | 3,893 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.6392% | 1,089 |
Assets per employee ($millions) | 3.1065% | 5,458 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4187% | 2,667 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
Noncurrent loans to loans | 0.0000% | 5,787 |
Net loans and leases to total assets | 41.6874% | 5,522 |
Net loans and leases to deposits | 48.0196% | 5,597 |
Net loans and leases to core deposits | 53.8034% | 5,434 |
Total domestic deposits to total assets | 86.8134% | 2,261 |
Equity capital to assets | 13.0900% | 1,353 |
Core capital (leverage) ratio | 12.8894% | 1,215 |
Tier 1 risk-based capital ratio | 19.9189% | 1,568 |
Total risk-based capital ratio | 20.8422% | 1,613 |
Memoranda: | ||
Average total assets | $33,992,000 | 6,035 |
Average earning assets | $31,912,330 | 5,997 |
Average equity | $4,459,330 | 5,902 |
Average total loans | $13,236,330 | 6,091 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2315% | 5,594 |
Cost of funding earning assets | 0.1132% | 6,143 |
Net interest margin | 3.1184% | 4,890 |
Noninterest income to average assets | 0.3776% | 4,178 |
Noninterest expense to average assets | 2.8906% | 2,941 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.4129% | 5,023 |
Return on assets (ROA) | 0.4129% | 5,135 |
Pretax return on assets | 0.4129% | 5,399 |
Return on Equity (ROE) | 3.1443% | 5,317 |
Retained earnings to average equity (ytd only) | 3.1443% | 4,099 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.5000% | 1,054 |
Assets per employee ($millions) | 3.7529% | 4,412 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6429% | 1,915 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
Noncurrent loans to loans | 0.0000% | 5,830 |
Net loans and leases to total assets | 36.3365% | 5,810 |
Net loans and leases to deposits | 41.8945% | 5,838 |
Net loans and leases to core deposits | 46.6583% | 5,722 |
Total domestic deposits to total assets | 86.7332% | 2,533 |
Equity capital to assets | 13.1958% | 1,304 |
Core capital (leverage) ratio | 12.8216% | 1,226 |
Tier 1 risk-based capital ratio | 20.6085% | 1,502 |
Total risk-based capital ratio | 21.5739% | 1,524 |
Memoranda: | ||
Average total assets | $33,902,500 | 6,099 |
Average earning assets | $31,811,500 | 6,064 |
Average equity | $4,452,500 | 5,957 |
Average total loans | $12,629,500 | 6,161 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4081% | 5,514 |
Cost of funding earning assets | 0.1331% | 6,186 |
Net interest margin | 3.2750% | 4,668 |
Noninterest income to average assets | 0.4455% | 3,866 |
Noninterest expense to average assets | 2.8496% | 3,305 |
Loan and lease loss provision to assets | 0.0359% | 3,872 |
Net operating income to assets | 0.5771% | 4,470 |
Return on assets (ROA) | 0.5771% | 4,554 |
Pretax return on assets | 0.5771% | 5,006 |
Return on Equity (ROE) | 4.3812% | 4,944 |
Retained earnings to average equity (ytd only) | 2.1111% | 4,724 |
Net charge-offs to loans | 0.0000% | 4,970 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.2971% | 1,630 |
Assets per employee ($millions) | 3.7810% | 4,380 |
Cash dividends to net income (ytd only)* | 51.8135% | 2,174 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6039% | 2,074 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
Noncurrent loans to loans | 0.0000% | 5,950 |
Net loans and leases to total assets | 36.9567% | 5,901 |
Net loans and leases to deposits | 42.5483% | 5,949 |
Net loans and leases to core deposits | 47.3334% | 5,842 |
Total domestic deposits to total assets | 86.8583% | 2,351 |
Equity capital to assets | 13.0712% | 1,335 |
Core capital (leverage) ratio | 12.9877% | 1,147 |
Tier 1 risk-based capital ratio | 21.3706% | 1,329 |
Total risk-based capital ratio | 22.3798% | 1,350 |
Memoranda: | ||
Average total assets | $33,443,400 | 6,189 |
Average earning assets | $30,808,800 | 6,167 |
Average equity | $4,405,200 | 6,007 |
Average total loans | $13,273,800 | 6,219 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4490% | 5,502 |
Cost of funding earning assets | 0.1397% | 6,242 |
Net interest margin | 3.3093% | 4,567 |
Noninterest income to average assets | 0.4605% | 3,814 |
Noninterest expense to average assets | 2.8711% | 3,228 |
Loan and lease loss provision to assets | 0.0481% | 3,416 |
Net operating income to assets | 0.5766% | 4,558 |
Return on assets (ROA) | 0.5766% | 4,639 |
Pretax return on assets | 0.5766% | 5,101 |
Return on Equity (ROE) | 4.3691% | 5,016 |
Retained earnings to average equity (ytd only) | 4.3691% | 3,544 |
Net charge-offs to loans | 0.0000% | 4,696 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.1306% | 1,604 |
Assets per employee ($millions) | 3.3863% | 5,067 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5844% | 2,355 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
Noncurrent loans to loans | 0.0000% | 6,061 |
Net loans and leases to total assets | 37.6045% | 5,958 |
Net loans and leases to deposits | 43.4415% | 6,002 |
Net loans and leases to core deposits | 48.3649% | 5,869 |
Total domestic deposits to total assets | 86.5635% | 2,547 |
Equity capital to assets | 13.2977% | 1,280 |
Core capital (leverage) ratio | 13.1702% | 1,112 |
Tier 1 risk-based capital ratio | 21.7275% | 1,303 |
Total risk-based capital ratio | 22.7417% | 1,324 |
Memoranda: | ||
Average total assets | $33,297,000 | 6,266 |
Average earning assets | $30,539,250 | 6,247 |
Average equity | $4,394,500 | 6,070 |
Average total loans | $13,397,000 | 6,288 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5296% | 5,346 |
Cost of funding earning assets | 0.1457% | 6,290 |
Net interest margin | 3.3839% | 4,245 |
Noninterest income to average assets | 0.4772% | 3,653 |
Noninterest expense to average assets | 2.9358% | 3,046 |
Loan and lease loss provision to assets | 0.0725% | 2,822 |
Net operating income to assets | 0.5558% | 4,566 |
Return on assets (ROA) | 0.5558% | 4,675 |
Pretax return on assets | 0.5558% | 5,112 |
Return on Equity (ROE) | 4.2218% | 5,051 |
Retained earnings to average equity (ytd only) | 4.2218% | 3,484 |
Net charge-offs to loans | 0.0000% | 4,375 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.3729% | 1,705 |
Assets per employee ($millions) | 3.2753% | 5,297 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5616% | 2,619 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
Noncurrent loans to loans | 0.0000% | 6,120 |
Net loans and leases to total assets | 39.6483% | 5,847 |
Net loans and leases to deposits | 45.9015% | 5,887 |
Net loans and leases to core deposits | 51.4317% | 5,703 |
Total domestic deposits to total assets | 86.3768% | 2,834 |
Equity capital to assets | 13.4980% | 1,156 |
Core capital (leverage) ratio | 13.0701% | 1,132 |
Tier 1 risk-based capital ratio | 21.1876% | 1,413 |
Total risk-based capital ratio | 22.1935% | 1,431 |
Memoranda: | ||
Average total assets | $33,108,330 | 6,327 |
Average earning assets | $30,202,000 | 6,312 |
Average equity | $4,358,330 | 6,122 |
Average total loans | $13,549,670 | 6,335 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5568% | 5,283 |
Cost of funding earning assets | 0.1444% | 6,385 |
Net interest margin | 3.4124% | 4,066 |
Noninterest income to average assets | 0.4326% | 3,931 |
Noninterest expense to average assets | 2.9922% | 2,882 |
Loan and lease loss provision to assets | 0.1442% | 1,691 |
Net operating income to assets | 0.4206% | 5,039 |
Return on assets (ROA) | 0.4206% | 5,109 |
Pretax return on assets | 0.4206% | 5,383 |
Return on Equity (ROE) | 3.2355% | 5,373 |
Retained earnings to average equity (ytd only) | 3.2355% | 4,179 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.1216% | 1,659 |
Assets per employee ($millions) | 3.3479% | 5,262 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5225% | 3,054 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
Noncurrent loans to loans | 0.0000% | 6,210 |
Net loans and leases to total assets | 39.6069% | 5,833 |
Net loans and leases to deposits | 45.5701% | 5,881 |
Net loans and leases to core deposits | 52.3966% | 5,596 |
Total domestic deposits to total assets | 86.9142% | 2,863 |
Equity capital to assets | 13.0171% | 1,298 |
Core capital (leverage) ratio | 12.9323% | 1,192 |
Tier 1 risk-based capital ratio | 20.7351% | 1,530 |
Total risk-based capital ratio | 21.7278% | 1,562 |
Memoranda: | ||
Average total assets | $33,286,000 | 6,388 |
Average earning assets | $30,477,000 | 6,372 |
Average equity | $4,327,000 | 6,175 |
Average total loans | $13,728,500 | 6,391 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6732% | 5,211 |
Cost of funding earning assets | 0.1528% | 6,525 |
Net interest margin | 3.5204% | 3,806 |
Noninterest income to average assets | 0.5492% | 3,410 |
Noninterest expense to average assets | 2.9414% | 3,226 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 0.7720% | 3,436 |
Return on assets (ROA) | 0.7720% | 3,529 |
Pretax return on assets | 0.7720% | 4,258 |
Return on Equity (ROE) | 5.8952% | 4,150 |
Retained earnings to average equity (ytd only) | 3.0991% | 4,029 |
Net charge-offs to loans | 0.0000% | 5,475 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.2112% | 2,282 |
Assets per employee ($millions) | 3.0085% | 5,824 |
Cash dividends to net income (ytd only)* | 47.4308% | 2,408 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3794% | 3,744 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
Noncurrent loans to loans | 0.0000% | 6,319 |
Net loans and leases to total assets | 41.6976% | 5,844 |
Net loans and leases to deposits | 47.9682% | 5,900 |
Net loans and leases to core deposits | 55.7513% | 5,553 |
Total domestic deposits to total assets | 86.9277% | 2,762 |
Equity capital to assets | 12.9816% | 1,280 |
Core capital (leverage) ratio | 12.7094% | 1,253 |
Tier 1 risk-based capital ratio | 20.1480% | 1,620 |
Total risk-based capital ratio | 21.0634% | 1,665 |
Memoranda: | ||
Average total assets | $32,773,000 | 6,466 |
Average earning assets | $29,456,800 | 6,457 |
Average equity | $4,291,600 | 6,265 |
Average total loans | $13,350,800 | 6,475 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6743% | 5,237 |
Cost of funding earning assets | 0.1510% | 6,634 |
Net interest margin | 3.5233% | 3,786 |
Noninterest income to average assets | 0.5669% | 3,352 |
Noninterest expense to average assets | 3.0261% | 2,898 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.6811% | 3,950 |
Return on assets (ROA) | 0.6811% | 4,093 |
Pretax return on assets | 0.6811% | 4,744 |
Return on Equity (ROE) | 5.1896% | 4,632 |
Retained earnings to average equity (ytd only) | 5.1896% | 2,942 |
Net charge-offs to loans | 0.0000% | 5,212 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.6282% | 1,876 |
Assets per employee ($millions) | 2.9381% | 5,943 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3675% | 4,039 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
Noncurrent loans to loans | 0.0000% | 6,405 |
Net loans and leases to total assets | 43.0706% | 5,808 |
Net loans and leases to deposits | 49.7961% | 5,848 |
Net loans and leases to core deposits | 55.2556% | 5,683 |
Total domestic deposits to total assets | 86.4940% | 2,969 |
Equity capital to assets | 13.3111% | 1,195 |
Core capital (leverage) ratio | 13.2120% | 1,126 |
Tier 1 risk-based capital ratio | 20.5411% | 1,593 |
Total risk-based capital ratio | 21.4669% | 1,658 |
Memoranda: | ||
Average total assets | $32,693,000 | 6,540 |
Average earning assets | $29,138,250 | 6,536 |
Average equity | $4,290,500 | 6,338 |
Average total loans | $13,190,500 | 6,550 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6184% | 5,374 |
Cost of funding earning assets | 0.1582% | 6,682 |
Net interest margin | 3.4602% | 3,956 |
Noninterest income to average assets | 0.5790% | 3,325 |
Noninterest expense to average assets | 2.9496% | 3,169 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.6947% | 3,829 |
Return on assets (ROA) | 0.6947% | 4,003 |
Pretax return on assets | 0.6947% | 4,697 |
Return on Equity (ROE) | 5.3188% | 4,553 |
Retained earnings to average equity (ytd only) | 5.3188% | 2,855 |
Net charge-offs to loans | 0.0000% | 4,909 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.9365% | 2,031 |
Assets per employee ($millions) | 2.9528% | 5,926 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4924% | 3,622 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
Noncurrent loans to loans | 0.0000% | 6,469 |
Net loans and leases to total assets | 39.2199% | 6,096 |
Net loans and leases to deposits | 45.3168% | 6,150 |
Net loans and leases to core deposits | 50.7530% | 5,980 |
Total domestic deposits to total assets | 86.5460% | 3,095 |
Equity capital to assets | 13.2539% | 1,240 |
Core capital (leverage) ratio | 12.8490% | 1,229 |
Tier 1 risk-based capital ratio | 21.3403% | 1,414 |
Total risk-based capital ratio | 22.3142% | 1,448 |
Memoranda: | ||
Average total assets | $32,817,670 | 6,582 |
Average earning assets | $29,073,330 | 6,585 |
Average equity | $4,286,670 | 6,387 |
Average total loans | $12,883,000 | 6,601 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6870% | 5,211 |
Cost of funding earning assets | 0.1670% | 6,744 |
Net interest margin | 3.5200% | 3,619 |
Noninterest income to average assets | 0.6791% | 2,700 |
Noninterest expense to average assets | 3.0195% | 2,924 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.7276% | 3,552 |
Return on assets (ROA) | 0.7276% | 3,688 |
Pretax return on assets | 0.7276% | 4,453 |
Return on Equity (ROE) | 5.6108% | 4,257 |
Retained earnings to average equity (ytd only) | 5.6108% | 2,893 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.5825% | 2,236 |
Assets per employee ($millions) | 3.0014% | 5,983 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5336% | 3,681 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
Noncurrent loans to loans | 0.0000% | 6,535 |
Net loans and leases to total assets | 37.5345% | 6,179 |
Net loans and leases to deposits | 43.2184% | 6,259 |
Net loans and leases to core deposits | 50.8578% | 5,905 |
Total domestic deposits to total assets | 86.8484% | 3,048 |
Equity capital to assets | 13.0426% | 1,409 |
Core capital (leverage) ratio | 12.4012% | 1,381 |
Tier 1 risk-based capital ratio | 21.6501% | 1,392 |
Total risk-based capital ratio | 22.6509% | 1,421 |
Memoranda: | ||
Average total assets | $32,986,000 | 6,645 |
Average earning assets | $28,750,000 | 6,655 |
Average equity | $4,277,500 | 6,451 |
Average total loans | $12,858,500 | 6,664 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8899% | 5,599 |
Cost of funding earning assets | 0.2596% | 6,633 |
Net interest margin | 3.6304% | 3,965 |
Noninterest income to average assets | 0.4399% | 4,322 |
Noninterest expense to average assets | 3.2768% | 2,404 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 0.3884% | 5,146 |
Return on assets (ROA) | 0.3884% | 5,383 |
Pretax return on assets | 0.3884% | 5,602 |
Return on Equity (ROE) | 2.9929% | 5,555 |
Retained earnings to average equity (ytd only) | 0.6547% | 5,533 |
Net charge-offs to loans | 0.2444% | 3,479 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | 3.7647% | 3,614 |
Efficiency ratio | 89.4040% | 1,116 |
Assets per employee ($millions) | 3.2957% | 5,427 |
Cash dividends to net income (ytd only)* | 78.1250% | 1,069 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4697% | 3,870 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
Noncurrent loans to loans | 0.0000% | 6,599 |
Net loans and leases to total assets | 39.2602% | 6,217 |
Net loans and leases to deposits | 45.0978% | 6,299 |
Net loans and leases to core deposits | 52.4994% | 5,980 |
Total domestic deposits to total assets | 87.0559% | 2,813 |
Equity capital to assets | 12.8926% | 1,494 |
Core capital (leverage) ratio | 12.3863% | 1,365 |
Tier 1 risk-based capital ratio | 21.0996% | 1,434 |
Total risk-based capital ratio | 22.0894% | 1,464 |
Memoranda: | ||
Average total assets | $32,959,000 | 6,682 |
Average earning assets | $29,280,600 | 6,684 |
Average equity | $4,276,800 | 6,506 |
Average total loans | $13,908,800 | 6,701 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8790% | 5,835 |
Cost of funding earning assets | 0.2809% | 6,693 |
Net interest margin | 3.5981% | 4,244 |
Noninterest income to average assets | 0.4409% | 4,357 |
Noninterest expense to average assets | 2.8802% | 3,671 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 0.7726% | 3,588 |
Return on assets (ROA) | 0.7726% | 3,842 |
Pretax return on assets | 0.7726% | 4,587 |
Return on Equity (ROE) | 5.9448% | 4,356 |
Retained earnings to average equity (ytd only) | 5.9448% | 2,732 |
Net charge-offs to loans | 0.3214% | 2,838 |
Credit loss provision to net charge-offs | 0.0000% | 5,158 |
Earnings coverage of net charge-offs (x) | 5.6179% | 2,973 |
Efficiency ratio | 78.8483% | 2,257 |
Assets per employee ($millions) | 3.2758% | 5,490 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3616% | 4,536 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 1.1478% | 3,995 |
Noncurrent loans to loans | 0.0000% | 6,696 |
Net loans and leases to total assets | 42.6797% | 6,066 |
Net loans and leases to deposits | 49.4220% | 6,156 |
Net loans and leases to core deposits | 54.3881% | 6,017 |
Total domestic deposits to total assets | 86.3575% | 3,057 |
Equity capital to assets | 13.4654% | 1,361 |
Core capital (leverage) ratio | 13.0974% | 1,151 |
Tier 1 risk-based capital ratio | 21.0563% | 1,513 |
Total risk-based capital ratio | 22.0062% | 1,550 |
Memoranda: | ||
Average total assets | $32,959,500 | 6,765 |
Average earning assets | $29,422,500 | 6,764 |
Average equity | $4,283,750 | 6,572 |
Average total loans | $14,103,000 | 6,785 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8407% | 6,052 |
Cost of funding earning assets | 0.3043% | 6,722 |
Net interest margin | 3.5365% | 4,521 |
Noninterest income to average assets | 0.4300% | 4,433 |
Noninterest expense to average assets | 2.8886% | 3,668 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 0.7085% | 3,830 |
Return on assets (ROA) | 0.7085% | 4,089 |
Pretax return on assets | 0.7085% | 4,811 |
Return on Equity (ROE) | 5.5171% | 4,575 |
Retained earnings to average equity (ytd only) | 5.5171% | 2,979 |
Net charge-offs to loans | 0.0000% | 5,507 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.3030% | 2,125 |
Assets per employee ($millions) | 3.3264% | 5,388 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6388% | 3,466 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 1.0732% | 4,238 |
Noncurrent loans to loans | 0.0000% | 6,740 |
Net loans and leases to total assets | 40.9602% | 6,277 |
Net loans and leases to deposits | 47.1274% | 6,369 |
Net loans and leases to core deposits | 54.2418% | 6,078 |
Total domestic deposits to total assets | 86.9138% | 2,824 |
Equity capital to assets | 12.9509% | 1,544 |
Core capital (leverage) ratio | 12.6569% | 1,290 |
Tier 1 risk-based capital ratio | 20.9550% | 1,487 |
Total risk-based capital ratio | 22.0865% | 1,483 |
Memoranda: | ||
Average total assets | $33,026,670 | 6,812 |
Average earning assets | $29,577,670 | 6,809 |
Average equity | $4,241,330 | 6,621 |
Average total loans | $14,079,330 | 6,841 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9090% | 5,998 |
Cost of funding earning assets | 0.3257% | 6,747 |
Net interest margin | 3.5832% | 4,337 |
Noninterest income to average assets | 0.3647% | 4,957 |
Noninterest expense to average assets | 2.9780% | 3,338 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 0.5956% | 4,364 |
Return on assets (ROA) | 0.5956% | 4,581 |
Pretax return on assets | 0.5956% | 5,136 |
Return on Equity (ROE) | 4.6578% | 4,955 |
Retained earnings to average equity (ytd only) | 4.6578% | 3,777 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.3333% | 1,753 |
Assets per employee ($millions) | 3.3168% | 5,522 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6787% | 3,432 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 1.5617% | 3,518 |
Noncurrent loans to loans | 0.0000% | 6,812 |
Net loans and leases to total assets | 40.0838% | 6,347 |
Net loans and leases to deposits | 45.9637% | 6,436 |
Net loans and leases to core deposits | 51.7355% | 6,226 |
Total domestic deposits to total assets | 87.2075% | 2,820 |
Equity capital to assets | 12.7291% | 1,583 |
Core capital (leverage) ratio | 12.4335% | 1,367 |
Tier 1 risk-based capital ratio | 20.9375% | 1,507 |
Total risk-based capital ratio | 22.0867% | 1,488 |
Memoranda: | ||
Average total assets | $32,908,000 | 6,868 |
Average earning assets | $29,470,500 | 6,866 |
Average equity | $4,208,000 | 6,664 |
Average total loans | $14,193,000 | 6,895 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0608% | 6,340 |
Cost of funding earning assets | 0.5406% | 6,383 |
Net interest margin | 3.5203% | 5,069 |
Noninterest income to average assets | 0.4198% | 4,449 |
Noninterest expense to average assets | 2.8880% | 4,002 |
Loan and lease loss provision to assets | 0.0357% | 6,120 |
Net operating income to assets | 0.7145% | 3,420 |
Return on assets (ROA) | 0.7145% | 3,600 |
Pretax return on assets | 0.7145% | 4,274 |
Return on Equity (ROE) | 5.7590% | 3,997 |
Retained earnings to average equity (ytd only) | 0.9598% | 5,410 |
Net charge-offs to loans | 0.0200% | 6,163 |
Credit loss provision to net charge-offs | 400.0000% | 574 |
Earnings coverage of net charge-offs (x) | 84.0000% | 349 |
Efficiency ratio | 79.3781% | 2,391 |
Assets per employee ($millions) | 3.2648% | 5,592 |
Cash dividends to net income (ytd only)* | 83.3333% | 690 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5272% | 3,900 |
Loan loss allowance to noncurrent loans | 7,566.6667% | 88 |
Noncurrent assets plus other real estate owned to assets | 1.0935% | 4,429 |
Noncurrent loans to loans | 0.0202% | 6,777 |
Net loans and leases to total assets | 44.8328% | 6,133 |
Net loans and leases to deposits | 51.4644% | 6,258 |
Net loans and leases to core deposits | 56.3829% | 6,132 |
Total domestic deposits to total assets | 87.1141% | 2,701 |
Equity capital to assets | 12.8461% | 1,575 |
Core capital (leverage) ratio | 12.3162% | 1,428 |
Tier 1 risk-based capital ratio | 19.8446% | 1,675 |
Total risk-based capital ratio | 20.9468% | 1,670 |
Memoranda: | ||
Average total assets | $33,587,600 | 6,870 |
Average earning assets | $30,708,000 | 6,846 |
Average equity | $4,167,400 | 6,709 |
Average total loans | $15,029,800 | 6,904 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0720% | 6,471 |
Cost of funding earning assets | 0.5817% | 6,369 |
Net interest margin | 3.4903% | 5,230 |
Noninterest income to average assets | 0.4179% | 4,525 |
Noninterest expense to average assets | 2.8462% | 4,162 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 0.7648% | 3,319 |
Return on assets (ROA) | 0.7648% | 3,482 |
Pretax return on assets | 0.7648% | 4,262 |
Return on Equity (ROE) | 6.2167% | 3,918 |
Retained earnings to average equity (ytd only) | 6.2167% | 2,422 |
Net charge-offs to loans | 0.0265% | 5,774 |
Credit loss provision to net charge-offs | 0.0000% | 5,735 |
Earnings coverage of net charge-offs (x) | 64.6650% | 508 |
Efficiency ratio | 78.8210% | 2,427 |
Assets per employee ($millions) | 2.9644% | 6,197 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4036% | 4,551 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 1.0856% | 4,585 |
Noncurrent loans to loans | 0.0000% | 6,971 |
Net loans and leases to total assets | 46.3169% | 6,116 |
Net loans and leases to deposits | 53.5624% | 6,251 |
Net loans and leases to core deposits | 61.7432% | 5,836 |
Total domestic deposits to total assets | 86.4726% | 2,949 |
Equity capital to assets | 13.2974% | 1,466 |
Core capital (leverage) ratio | 12.8546% | 1,272 |
Tier 1 risk-based capital ratio | 20.7201% | 1,519 |
Total risk-based capital ratio | 21.7706% | 1,531 |
Memoranda: | ||
Average total assets | $33,822,500 | 6,927 |
Average earning assets | $30,942,000 | 6,907 |
Average equity | $4,160,750 | 6,765 |
Average total loans | $15,071,250 | 6,967 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0493% | 6,575 |
Cost of funding earning assets | 0.6161% | 6,381 |
Net interest margin | 3.4332% | 5,429 |
Noninterest income to average assets | 0.3798% | 4,845 |
Noninterest expense to average assets | 2.8165% | 4,359 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 0.6895% | 3,597 |
Return on assets (ROA) | 0.6895% | 3,716 |
Pretax return on assets | 0.6895% | 4,421 |
Return on Equity (ROE) | 5.7528% | 4,087 |
Retained earnings to average equity (ytd only) | 5.7528% | 2,568 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.3333% | 2,333 |
Assets per employee ($millions) | 2.5774% | 6,827 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4662% | 4,275 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 1.0565% | 4,775 |
Noncurrent loans to loans | 0.0000% | 7,026 |
Net loans and leases to total assets | 43.7235% | 6,458 |
Net loans and leases to deposits | 50.1300% | 6,582 |
Net loans and leases to core deposits | 59.3598% | 6,152 |
Total domestic deposits to total assets | 87.2202% | 2,611 |
Equity capital to assets | 12.5560% | 1,750 |
Core capital (leverage) ratio | 12.3558% | 1,425 |
Tier 1 risk-based capital ratio | 20.8177% | 1,454 |
Total risk-based capital ratio | 21.9073% | 1,457 |
Memoranda: | ||
Average total assets | $34,227,330 | 6,981 |
Average earning assets | $31,166,000 | 6,960 |
Average equity | $4,102,330 | 6,819 |
Average total loans | $14,989,000 | 7,038 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9795% | 6,728 |
Cost of funding earning assets | 0.6675% | 6,306 |
Net interest margin | 3.3121% | 5,732 |
Noninterest income to average assets | 0.3816% | 4,861 |
Noninterest expense to average assets | 2.7871% | 4,502 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 0.6361% | 3,830 |
Return on assets (ROA) | 0.6361% | 3,903 |
Pretax return on assets | 0.6361% | 4,552 |
Return on Equity (ROE) | 5.4321% | 4,187 |
Retained earnings to average equity (ytd only) | 5.4321% | 2,943 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.4189% | 2,316 |
Assets per employee ($millions) | 2.6247% | 6,809 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4275% | 4,532 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 1.0375% | 4,837 |
Noncurrent loans to loans | 0.0000% | 7,094 |
Net loans and leases to total assets | 44.1165% | 6,460 |
Net loans and leases to deposits | 50.2034% | 6,613 |
Net loans and leases to core deposits | 61.6043% | 5,963 |
Total domestic deposits to total assets | 87.8755% | 2,441 |
Equity capital to assets | 11.9692% | 1,935 |
Core capital (leverage) ratio | 11.7676% | 1,695 |
Tier 1 risk-based capital ratio | 20.3191% | 1,517 |
Total risk-based capital ratio | 21.3992% | 1,524 |
Memoranda: | ||
Average total assets | $34,588,000 | 7,026 |
Average earning assets | $31,762,500 | 6,995 |
Average equity | $4,050,000 | 6,872 |
Average total loans | $15,049,500 | 7,085 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4422% | 6,537 |
Cost of funding earning assets | 0.8669% | 6,314 |
Net interest margin | 3.5754% | 4,934 |
Noninterest income to average assets | 0.5245% | 3,992 |
Noninterest expense to average assets | 3.4197% | 2,383 |
Loan and lease loss provision to assets | 0.1199% | 5,958 |
Net operating income to assets | 0.2607% | 5,072 |
Return on assets (ROA) | 0.2607% | 5,231 |
Pretax return on assets | 0.2607% | 5,337 |
Return on Equity (ROE) | 2.1309% | 5,337 |
Retained earnings to average equity (ytd only) | 1.3961% | 4,838 |
Net charge-offs to loans | 0.0184% | 6,631 |
Credit loss provision to net charge-offs | 1,333.3333% | 170 |
Earnings coverage of net charge-offs (x) | 42.3333% | 551 |
Efficiency ratio | 89.9842% | 1,329 |
Assets per employee ($millions) | 2.5039% | 7,005 |
Cash dividends to net income (ytd only)* | 34.4828% | 2,842 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4702% | 4,181 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 1.0098% | 4,980 |
Noncurrent loans to loans | 0.0000% | 7,175 |
Net loans and leases to total assets | 41.6774% | 6,865 |
Net loans and leases to deposits | 47.1230% | 6,993 |
Net loans and leases to core deposits | 58.2397% | 6,539 |
Total domestic deposits to total assets | 88.4439% | 1,987 |
Equity capital to assets | 11.4563% | 2,301 |
Core capital (leverage) ratio | 11.5974% | 1,782 |
Tier 1 risk-based capital ratio | 20.2543% | 1,441 |
Total risk-based capital ratio | 21.3456% | 1,438 |
Memoranda: | ||
Average total assets | $33,365,400 | 7,103 |
Average earning assets | $30,570,200 | 7,072 |
Average equity | $4,082,800 | 6,968 |
Average total loans | $16,316,200 | 7,103 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5604% | 6,444 |
Cost of funding earning assets | 0.8953% | 6,409 |
Net interest margin | 3.6651% | 4,569 |
Noninterest income to average assets | 0.4816% | 4,323 |
Noninterest expense to average assets | 3.0557% | 3,553 |
Loan and lease loss provision to assets | 0.0283% | 6,786 |
Net operating income to assets | 0.7609% | 3,174 |
Return on assets (ROA) | 0.7609% | 3,328 |
Pretax return on assets | 0.7609% | 4,050 |
Return on Equity (ROE) | 6.1144% | 3,763 |
Retained earnings to average equity (ytd only) | 6.1144% | 2,299 |
Net charge-offs to loans | 0.0240% | 6,342 |
Credit loss provision to net charge-offs | 233.3333% | 1,456 |
Earnings coverage of net charge-offs (x) | 64.9975% | 462 |
Efficiency ratio | 79.4737% | 2,425 |
Assets per employee ($millions) | 2.6240% | 6,895 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1631% | 5,655 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 1.4423% | 4,292 |
Noncurrent loans to loans | 0.0000% | 7,276 |
Net loans and leases to total assets | 46.0864% | 6,684 |
Net loans and leases to deposits | 52.6561% | 6,855 |
Net loans and leases to core deposits | 62.6934% | 6,399 |
Total domestic deposits to total assets | 87.5235% | 2,248 |
Equity capital to assets | 12.2801% | 1,989 |
Core capital (leverage) ratio | 12.5984% | 1,370 |
Tier 1 risk-based capital ratio | 20.3358% | 1,479 |
Total risk-based capital ratio | 21.2363% | 1,521 |
Memoranda: | ||
Average total assets | $32,943,000 | 7,207 |
Average earning assets | $30,230,250 | 7,166 |
Average equity | $4,099,500 | 7,050 |
Average total loans | $16,688,250 | 7,183 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6282% | 6,377 |
Cost of funding earning assets | 0.9190% | 6,505 |
Net interest margin | 3.7093% | 4,318 |
Noninterest income to average assets | 0.4485% | 4,527 |
Noninterest expense to average assets | 3.1149% | 3,245 |
Loan and lease loss provision to assets | 0.0430% | 6,546 |
Net operating income to assets | 0.7127% | 3,347 |
Return on assets (ROA) | 0.7127% | 3,499 |
Pretax return on assets | 0.7127% | 4,192 |
Return on Equity (ROE) | 5.7007% | 3,939 |
Retained earnings to average equity (ytd only) | 5.7007% | 2,494 |
Net charge-offs to loans | 0.0354% | 5,858 |
Credit loss provision to net charge-offs | 233.3333% | 1,651 |
Earnings coverage of net charge-offs (x) | 41.0000% | 711 |
Efficiency ratio | 80.4762% | 2,374 |
Assets per employee ($millions) | 2.7479% | 6,694 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1361% | 5,762 |
Loan loss allowance to noncurrent loans | 128.4722% | 2,173 |
Noncurrent assets plus other real estate owned to assets | 2.1713% | 3,294 |
Noncurrent loans to loans | 0.8843% | 5,501 |
Net loans and leases to total assets | 48.8218% | 6,561 |
Net loans and leases to deposits | 55.9071% | 6,734 |
Net loans and leases to core deposits | 67.9828% | 6,056 |
Total domestic deposits to total assets | 87.3268% | 2,371 |
Equity capital to assets | 12.4943% | 1,806 |
Core capital (leverage) ratio | 12.3340% | 1,481 |
Tier 1 risk-based capital ratio | 20.1038% | 1,500 |
Total risk-based capital ratio | 21.0098% | 1,525 |
Memoranda: | ||
Average total assets | $32,553,330 | 7,269 |
Average earning assets | $30,033,000 | 7,228 |
Average equity | $4,069,670 | 7,100 |
Average total loans | $16,949,000 | 7,223 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7162% | 6,188 |
Cost of funding earning assets | 0.9085% | 6,739 |
Net interest margin | 3.8077% | 3,768 |
Noninterest income to average assets | 0.3958% | 4,948 |
Noninterest expense to average assets | 2.9682% | 3,790 |
Loan and lease loss provision to assets | 0.0866% | 5,774 |
Net operating income to assets | 0.8657% | 2,691 |
Return on assets (ROA) | 0.8657% | 2,775 |
Pretax return on assets | 0.8657% | 3,603 |
Return on Equity (ROE) | 6.9230% | 3,384 |
Retained earnings to average equity (ytd only) | 6.9230% | 2,169 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.7098% | 3,273 |
Assets per employee ($millions) | 2.5064% | 7,185 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0941% | 6,033 |
Loan loss allowance to noncurrent loans | 32.0819% | 6,276 |
Noncurrent assets plus other real estate owned to assets | 1.7985% | 3,791 |
Noncurrent loans to loans | 3.4103% | 2,337 |
Net loans and leases to total assets | 52.1591% | 6,254 |
Net loans and leases to deposits | 59.7112% | 6,496 |
Net loans and leases to core deposits | 75.0895% | 5,374 |
Total domestic deposits to total assets | 87.3523% | 2,435 |
Equity capital to assets | 12.5157% | 1,749 |
Core capital (leverage) ratio | 12.6052% | 1,368 |
Tier 1 risk-based capital ratio | 20.0118% | 1,520 |
Total risk-based capital ratio | 20.9387% | 1,553 |
Memoranda: | ||
Average total assets | $32,342,500 | 7,364 |
Average earning assets | $29,939,500 | 7,323 |
Average equity | $4,044,500 | 7,170 |
Average total loans | $17,281,500 | 7,295 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3951% | 4,720 |
Cost of funding earning assets | 1.1011% | 6,979 |
Net interest margin | 4.2940% | 1,736 |
Noninterest income to average assets | 0.3532% | 5,575 |
Noninterest expense to average assets | 3.1756% | 3,458 |
Loan and lease loss provision to assets | 0.0193% | 7,310 |
Net operating income to assets | 1.1527% | 1,382 |
Return on assets (ROA) | 1.1527% | 1,406 |
Pretax return on assets | 1.1527% | 2,087 |
Return on Equity (ROE) | 9.0647% | 2,005 |
Retained earnings to average equity (ytd only) | 5.2772% | 1,682 |
Net charge-offs to loans | 0.0910% | 6,219 |
Credit loss provision to net charge-offs | 35.2941% | 6,868 |
Earnings coverage of net charge-offs (x) | 21.4706% | 1,000 |
Efficiency ratio | 73.0428% | 4,088 |
Assets per employee ($millions) | 2.4694% | 7,248 |
Cash dividends to net income (ytd only)* | 41.7827% | 2,839 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0414% | 6,168 |
Loan loss allowance to noncurrent loans | 36.4919% | 6,000 |
Noncurrent assets plus other real estate owned to assets | 1.5451% | 4,059 |
Noncurrent loans to loans | 2.8539% | 2,698 |
Net loans and leases to total assets | 53.5761% | 6,237 |
Net loans and leases to deposits | 61.2696% | 6,536 |
Net loans and leases to core deposits | 99.1811% | 4,094 |
Total domestic deposits to total assets | 87.4431% | 2,247 |
Equity capital to assets | 12.4945% | 1,752 |
Core capital (leverage) ratio | 12.3476% | 1,513 |
Tier 1 risk-based capital ratio | 19.8754% | 1,481 |
Total risk-based capital ratio | 20.7773% | 1,517 |
Memoranda: | ||
Average total assets | $31,143,600 | 7,436 |
Average earning assets | $28,970,800 | 7,392 |
Average equity | $3,960,400 | 7,310 |
Average total loans | $18,685,600 | 7,275 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5353% | 4,241 |
Cost of funding earning assets | 1.1256% | 7,114 |
Net interest margin | 4.4097% | 1,417 |
Noninterest income to average assets | 0.3495% | 5,700 |
Noninterest expense to average assets | 3.2012% | 3,293 |
Loan and lease loss provision to assets | 0.0086% | 7,238 |
Net operating income to assets | 1.2468% | 1,352 |
Return on assets (ROA) | 1.2468% | 1,420 |
Pretax return on assets | 1.2468% | 2,116 |
Return on Equity (ROE) | 9.7605% | 2,010 |
Retained earnings to average equity (ytd only) | 9.7605% | 677 |
Net charge-offs to loans | 0.0000% | 6,987 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.8296% | 4,274 |
Assets per employee ($millions) | 2.3887% | 7,392 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0724% | 5,885 |
Loan loss allowance to noncurrent loans | 39.1129% | 5,752 |
Noncurrent assets plus other real estate owned to assets | 1.6778% | 3,860 |
Noncurrent loans to loans | 2.7417% | 2,763 |
Net loans and leases to total assets | 57.6337% | 5,944 |
Net loans and leases to deposits | 66.5168% | 6,258 |
Net loans and leases to core deposits | 101.0559% | 4,259 |
Total domestic deposits to total assets | 86.6454% | 2,357 |
Equity capital to assets | 13.1775% | 1,631 |
Core capital (leverage) ratio | 13.0887% | 1,350 |
Tier 1 risk-based capital ratio | 20.0020% | 1,559 |
Total risk-based capital ratio | 20.9556% | 1,574 |
Memoranda: | ||
Average total assets | $30,904,000 | 7,509 |
Average earning assets | $28,784,000 | 7,469 |
Average equity | $3,947,750 | 7,382 |
Average total loans | $19,012,000 | 7,319 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6911% | 3,591 |
Cost of funding earning assets | 1.1285% | 7,301 |
Net interest margin | 4.5627% | 1,031 |
Noninterest income to average assets | 0.3500% | 5,698 |
Noninterest expense to average assets | 3.2281% | 3,244 |
Loan and lease loss provision to assets | 0.0130% | 7,085 |
Net operating income to assets | 1.3548% | 1,116 |
Return on assets (ROA) | 1.3548% | 1,188 |
Pretax return on assets | 1.3548% | 1,851 |
Return on Equity (ROE) | 10.7189% | 1,783 |
Retained earnings to average equity (ytd only) | 10.7189% | 609 |
Net charge-offs to loans | 0.0000% | 6,628 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.2398% | 4,727 |
Assets per employee ($millions) | 2.4018% | 7,422 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0462% | 5,931 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1217% | 7,260 |
Noncurrent loans to loans | 0.0000% | 7,580 |
Net loans and leases to total assets | 58.7657% | 5,864 |
Net loans and leases to deposits | 67.6012% | 6,237 |
Net loans and leases to core deposits | 104.7198% | 3,988 |
Total domestic deposits to total assets | 86.9299% | 2,290 |
Equity capital to assets | 12.8395% | 1,771 |
Core capital (leverage) ratio | 12.8098% | 1,501 |
Tier 1 risk-based capital ratio | 19.4777% | 1,681 |
Total risk-based capital ratio | 20.4247% | 1,696 |
Memoranda: | ||
Average total assets | $30,854,330 | 7,574 |
Average earning assets | $28,711,330 | 7,540 |
Average equity | $3,899,670 | 7,451 |
Average total loans | $19,319,000 | 7,372 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7730% | 3,421 |
Cost of funding earning assets | 1.1490% | 7,419 |
Net interest margin | 4.6240% | 903 |
Noninterest income to average assets | 0.3521% | 5,628 |
Noninterest expense to average assets | 3.3258% | 2,581 |
Loan and lease loss provision to assets | 0.0261% | 6,592 |
Net operating income to assets | 1.3042% | 1,373 |
Return on assets (ROA) | 1.3042% | 1,471 |
Pretax return on assets | 1.3042% | 2,269 |
Return on Equity (ROE) | 10.4031% | 2,170 |
Retained earnings to average equity (ytd only) | 10.4031% | 1,098 |
Net charge-offs to loans | 0.0203% | 5,283 |
Credit loss provision to net charge-offs | 200.0000% | 2,207 |
Earnings coverage of net charge-offs (x) | 102.0000% | 428 |
Efficiency ratio | 71.4286% | 4,282 |
Assets per employee ($millions) | 2.1868% | 7,731 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9947% | 6,224 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1241% | 7,214 |
Noncurrent loans to loans | 0.0000% | 7,590 |
Net loans and leases to total assets | 62.7438% | 5,201 |
Net loans and leases to deposits | 72.0085% | 5,746 |
Net loans and leases to core deposits | 111.6089% | 3,249 |
Total domestic deposits to total assets | 87.1338% | 2,157 |
Equity capital to assets | 12.7323% | 1,870 |
Core capital (leverage) ratio | 12.5546% | 1,667 |
Tier 1 risk-based capital ratio | 18.4490% | 1,949 |
Total risk-based capital ratio | 19.3666% | 1,974 |
Memoranda: | ||
Average total assets | $30,669,500 | 7,622 |
Average earning assets | $28,546,500 | 7,591 |
Average equity | $3,845,000 | 7,507 |
Average total loans | $19,707,000 | 7,387 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9155% | 5,961 |
Cost of funding earning assets | 1.5955% | 7,461 |
Net interest margin | 4.3200% | 1,919 |
Noninterest income to average assets | 0.3307% | 6,078 |
Noninterest expense to average assets | 2.7693% | 4,954 |
Loan and lease loss provision to assets | 0.1422% | 5,536 |
Net operating income to assets | 1.3692% | 1,301 |
Return on assets (ROA) | 1.3692% | 1,253 |
Pretax return on assets | 1.3692% | 2,060 |
Return on Equity (ROE) | 11.8920% | 1,627 |
Retained earnings to average equity (ytd only) | 6.5231% | 1,328 |
Net charge-offs to loans | -0.0057% | 7,793 |
Credit loss provision to net charge-offs | -4,600.0000% | 7,517 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.6931% | 5,397 |
Assets per employee ($millions) | 2.1946% | 7,720 |
Cash dividends to net income (ytd only)* | 45.1467% | 3,395 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9594% | 6,351 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1237% | 7,081 |
Noncurrent loans to loans | 0.0000% | 7,569 |
Net loans and leases to total assets | 64.5098% | 5,172 |
Net loans and leases to deposits | 73.6666% | 5,881 |
Net loans and leases to core deposits | 114.0785% | 3,332 |
Total domestic deposits to total assets | 87.5700% | 1,684 |
Equity capital to assets | 12.3421% | 2,089 |
Core capital (leverage) ratio | 12.1418% | 1,904 |
Tier 1 risk-based capital ratio | 17.5292% | 2,171 |
Total risk-based capital ratio | 18.4196% | 2,211 |
Memoranda: | ||
Average total assets | $32,354,600 | 7,543 |
Average earning assets | $29,583,400 | 7,537 |
Average equity | $3,725,200 | 7,599 |
Average total loans | $17,432,400 | 7,496 |