Home > Peoples State Bank > Performance and Condition Ratios
Peoples State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8181% | 3,423 |
| Cost of funding earning assets | 1.4430% | 3,337 |
| Net interest margin | 3.3751% | 2,609 |
| Noninterest income to average assets | 0.0900% | 4,163 |
| Noninterest expense to average assets | 2.3983% | 2,585 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.8639% | 2,683 |
| Return on assets (ROA) | 0.8468% | 2,724 |
| Pretax return on assets | 0.8468% | 3,090 |
| Return on Equity (ROE) | 7.2900% | 3,053 |
| Retained earnings to average equity (ytd only) | 7.2928% | 1,897 |
| 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 | 73.5192% | 1,477 |
| Assets per employee ($millions) | 5.0138% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6391% | 753 |
| 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 | 44.9700% | 3,800 |
| Net loans and leases to deposits | 51.1215% | 3,836 |
| Net loans and leases to core deposits | 57.4986% | 3,777 |
| Total domestic deposits to total assets | 87.9600% | 1,564 |
| Equity capital to assets | 11.9143% | 1,275 |
| Core capital (leverage) ratio | 13.2075% | 1,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $70,382,500 | 4,036 |
| Average earning assets | $66,249,500 | 4,005 |
| Average equity | $8,172,500 | 3,968 |
| Average total loans | $35,538,500 | 4,009 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7390% | 3,530 |
| Cost of funding earning assets | 1.3947% | 3,530 |
| Net interest margin | 3.3443% | 2,403 |
| Noninterest income to average assets | 0.0800% | 4,282 |
| Noninterest expense to average assets | 2.2738% | 2,936 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.0149% | 2,000 |
| Return on assets (ROA) | 1.0163% | 1,996 |
| Pretax return on assets | 1.0163% | 2,490 |
| Return on Equity (ROE) | 9.1800% | 2,413 |
| Retained earnings to average equity (ytd only) | 0.1764% | 3,860 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 69.1395% | 2,110 |
| Assets per employee ($millions) | 5.0409% | 3,609 |
| Cash dividends to net income (ytd only)* | 98.0796% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 1,478 |
| 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 | 54.5000% | 3,371 |
| Net loans and leases to deposits | 61.5577% | 3,462 |
| Net loans and leases to core deposits | 69.3648% | 3,383 |
| Total domestic deposits to total assets | 88.5300% | 1,321 |
| Equity capital to assets | 11.3104% | 1,456 |
| Core capital (leverage) ratio | 12.8845% | 1,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $71,729,000 | 4,030 |
| Average earning assets | $68,832,600 | 3,991 |
| Average equity | $7,938,000 | 3,976 |
| Average total loans | $35,718,400 | 4,016 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6056% | 3,691 |
| Cost of funding earning assets | 1.3481% | 3,604 |
| Net interest margin | 3.2575% | 2,545 |
| Noninterest income to average assets | 0.0700% | 4,324 |
| Noninterest expense to average assets | 2.0439% | 3,458 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.1552% | 1,614 |
| Return on assets (ROA) | 1.1515% | 1,628 |
| Pretax return on assets | 1.1515% | 2,120 |
| Return on Equity (ROE) | 10.4600% | 2,064 |
| Retained earnings to average equity (ytd only) | 6.8456% | 1,793 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 63.8889% | 2,725 |
| Assets per employee ($millions) | 4.9781% | 3,662 |
| Cash dividends to net income (ytd only)* | 34.5659% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 1,408 |
| 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 | 53.9100% | 3,413 |
| Net loans and leases to deposits | 61.5961% | 3,502 |
| Net loans and leases to core deposits | 69.2322% | 3,428 |
| Total domestic deposits to total assets | 87.5200% | 1,416 |
| Equity capital to assets | 12.3468% | 1,153 |
| Core capital (leverage) ratio | 13.4860% | 945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $72,018,250 | 4,046 |
| Average earning assets | $69,131,000 | 4,007 |
| Average equity | $7,927,000 | 3,985 |
| Average total loans | $34,901,500 | 4,044 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 3,859 |
| Cost of funding earning assets | 1.2460% | 3,720 |
| Net interest margin | 3.1995% | 2,634 |
| Noninterest income to average assets | 0.0400% | 4,424 |
| Noninterest expense to average assets | 1.8793% | 3,803 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.2281% | 1,408 |
| Return on assets (ROA) | 1.2117% | 1,449 |
| Pretax return on assets | 1.2117% | 1,905 |
| Return on Equity (ROE) | 11.4500% | 1,756 |
| Retained earnings to average equity (ytd only) | 5.8694% | 2,050 |
| Net charge-offs to loans | 0.0059% | 2,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 447.0000% | 271 |
| Efficiency ratio | 60.4775% | 3,166 |
| Assets per employee ($millions) | 5.1356% | 3,519 |
| Cash dividends to net income (ytd only)* | 48.7528% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 1,005 |
| 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 | 47.1800% | 3,784 |
| Net loans and leases to deposits | 53.0203% | 3,846 |
| Net loans and leases to core deposits | 61.2933% | 3,721 |
| Total domestic deposits to total assets | 88.9900% | 1,011 |
| Equity capital to assets | 10.8932% | 1,622 |
| Core capital (leverage) ratio | 12.6367% | 1,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $72,793,000 | 4,057 |
| Average earning assets | $69,824,333 | 4,010 |
| Average equity | $7,701,000 | 4,001 |
| Average total loans | $33,835,667 | 4,069 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2543% | 4,013 |
| Cost of funding earning assets | 1.0721% | 3,913 |
| Net interest margin | 3.1822% | 2,601 |
| Noninterest income to average assets | 0.0500% | 4,395 |
| Noninterest expense to average assets | 1.9224% | 3,734 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.1742% | 1,498 |
| Return on assets (ROA) | 1.1851% | 1,483 |
| Pretax return on assets | 1.1851% | 1,930 |
| Return on Equity (ROE) | 11.3700% | 1,742 |
| Retained earnings to average equity (ytd only) | 11.3680% | 850 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 62.0811% | 3,025 |
| Assets per employee ($millions) | 5.1193% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6264% | 807 |
| 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 | 44.3900% | 3,878 |
| Net loans and leases to deposits | 49.8410% | 3,927 |
| Net loans and leases to core deposits | 57.5845% | 3,863 |
| Total domestic deposits to total assets | 89.0700% | 1,086 |
| Equity capital to assets | 10.8302% | 1,571 |
| Core capital (leverage) ratio | 12.9142% | 1,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $73,240,500 | 4,075 |
| Average earning assets | $70,140,500 | 4,031 |
| Average equity | $7,635,500 | 4,027 |
| Average total loans | $33,529,000 | 4,091 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8479% | 4,130 |
| Cost of funding earning assets | 0.7588% | 3,840 |
| Net interest margin | 3.0892% | 3,118 |
| Noninterest income to average assets | 0.0500% | 4,441 |
| Noninterest expense to average assets | 1.8783% | 3,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1624% | 1,748 |
| Return on assets (ROA) | 1.1887% | 1,654 |
| Pretax return on assets | 1.1887% | 2,173 |
| Return on Equity (ROE) | 12.2100% | 1,907 |
| Retained earnings to average equity (ytd only) | -4.7886% | 4,386 |
| Net charge-offs to loans | -0.0066% | 3,899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.7711% | 2,864 |
| Assets per employee ($millions) | 5.3436% | 3,357 |
| Cash dividends to net income (ytd only)* | 139.2265% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 1,004 |
| 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 | 45.7000% | 3,824 |
| Net loans and leases to deposits | 54.0536% | 3,792 |
| Net loans and leases to core deposits | 61.5836% | 3,697 |
| Total domestic deposits to total assets | 84.5500% | 2,454 |
| Equity capital to assets | 10.0373% | 1,983 |
| Core capital (leverage) ratio | 11.8700% | 1,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $76,133,200 | 4,051 |
| Average earning assets | $73,805,600 | 3,992 |
| Average equity | $7,413,400 | 3,998 |
| Average total loans | $30,123,200 | 4,133 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6948% | 4,215 |
| Cost of funding earning assets | 0.5919% | 3,984 |
| Net interest margin | 3.1029% | 3,136 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 1.6548% | 4,184 |
| Loan and lease loss provision to assets | -0.6300% | 4,616 |
| Net operating income to assets | 2.0401% | 476 |
| Return on assets (ROA) | 2.0680% | 452 |
| Pretax return on assets | 2.0680% | 696 |
| Return on Equity (ROE) | 21.4000% | 603 |
| Retained earnings to average equity (ytd only) | 15.9862% | 463 |
| Net charge-offs to loans | -0.0092% | 3,909 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.9511% | 3,591 |
| Assets per employee ($millions) | 5.3611% | 3,293 |
| Cash dividends to net income (ytd only)* | 25.2951% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5844% | 915 |
| 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 | 43.5300% | 3,933 |
| Net loans and leases to deposits | 51.8126% | 3,879 |
| Net loans and leases to core deposits | 58.7401% | 3,752 |
| Total domestic deposits to total assets | 84.0200% | 2,768 |
| Equity capital to assets | 9.9299% | 1,866 |
| Core capital (leverage) ratio | 12.8868% | 1,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $76,463,750 | 4,068 |
| Average earning assets | $74,337,000 | 4,005 |
| Average equity | $7,389,500 | 4,005 |
| Average total loans | $28,975,000 | 4,171 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5458% | 4,305 |
| Cost of funding earning assets | 0.3297% | 4,271 |
| Net interest margin | 3.2162% | 2,945 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 1.6456% | 4,213 |
| Loan and lease loss provision to assets | -0.9400% | 4,646 |
| Net operating income to assets | 2.4709% | 252 |
| Return on assets (ROA) | 2.5022% | 242 |
| Pretax return on assets | 2.5022% | 360 |
| Return on Equity (ROE) | 26.5200% | 307 |
| Retained earnings to average equity (ytd only) | 18.2387% | 329 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.7609% | 3,787 |
| Assets per employee ($millions) | 5.2286% | 3,380 |
| Cash dividends to net income (ytd only)* | 31.2175% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7957% | 620 |
| 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 | 39.1500% | 4,067 |
| Net loans and leases to deposits | 44.0613% | 4,091 |
| Net loans and leases to core deposits | 49.4547% | 4,033 |
| Total domestic deposits to total assets | 88.8500% | 1,305 |
| Equity capital to assets | 10.2910% | 1,693 |
| Core capital (leverage) ratio | 12.4331% | 1,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $76,813,000 | 4,079 |
| Average earning assets | $74,622,667 | 4,018 |
| Average equity | $7,248,333 | 4,043 |
| Average total loans | $27,566,667 | 4,203 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5100% | 4,246 |
| Cost of funding earning assets | 0.2571% | 4,283 |
| Net interest margin | 3.2529% | 2,984 |
| Noninterest income to average assets | 0.0400% | 4,561 |
| Noninterest expense to average assets | 1.6586% | 4,243 |
| Loan and lease loss provision to assets | -1.8300% | 4,674 |
| Net operating income to assets | 3.3681% | 127 |
| Return on assets (ROA) | 3.4088% | 124 |
| Pretax return on assets | 3.4088% | 152 |
| Return on Equity (ROE) | 37.7100% | 132 |
| Retained earnings to average equity (ytd only) | 37.7146% | 70 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.9108% | 3,787 |
| Assets per employee ($millions) | 5.7660% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1286% | 361 |
| 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 | 29.8500% | 4,372 |
| Net loans and leases to deposits | 32.9590% | 4,395 |
| Net loans and leases to core deposits | 36.4880% | 4,357 |
| Total domestic deposits to total assets | 90.5600% | 958 |
| Equity capital to assets | 9.4235% | 2,207 |
| Core capital (leverage) ratio | 11.6021% | 1,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $78,619,500 | 4,122 |
| Average earning assets | $76,239,500 | 4,057 |
| Average equity | $7,106,000 | 4,110 |
| Average total loans | $26,759,500 | 4,272 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5183% | 4,501 |
| Cost of funding earning assets | 0.2101% | 3,676 |
| Net interest margin | 2.3082% | 4,425 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 1.8053% | 4,025 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8138% | 3,280 |
| Return on assets (ROA) | 0.8058% | 3,233 |
| Pretax return on assets | 0.8058% | 3,610 |
| Return on Equity (ROE) | 8.1000% | 3,362 |
| Retained earnings to average equity (ytd only) | 0.5105% | 4,273 |
| Net charge-offs to loans | 0.0153% | 1,820 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 152.2500% | 783 |
| Efficiency ratio | 68.9286% | 1,841 |
| Assets per employee ($millions) | 5.4654% | 3,254 |
| Cash dividends to net income (ytd only)* | 93.6982% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0586% | 114 |
| 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 | 36.6200% | 4,189 |
| Net loans and leases to deposits | 40.0841% | 4,244 |
| Net loans and leases to core deposits | 44.5799% | 4,162 |
| Total domestic deposits to total assets | 91.3500% | 825 |
| Equity capital to assets | 8.6323% | 2,606 |
| Core capital (leverage) ratio | 11.5884% | 1,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $74,835,400 | 4,193 |
| Average earning assets | $72,827,000 | 4,124 |
| Average equity | $7,444,000 | 4,157 |
| Average total loans | $26,201,800 | 4,300 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2653% | 4,546 |
| Cost of funding earning assets | 0.1687% | 3,639 |
| Net interest margin | 2.0965% | 4,517 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 1.7075% | 4,140 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8206% | 3,172 |
| Return on assets (ROA) | 0.8027% | 3,210 |
| Pretax return on assets | 0.8027% | 3,568 |
| Return on Equity (ROE) | 7.8000% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.8043% | 2,079 |
| Net charge-offs to loans | 0.0104% | 1,726 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 229.0000% | 576 |
| Efficiency ratio | 67.5408% | 2,078 |
| Assets per employee ($millions) | 5.3376% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0506% | 128 |
| 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 | 37.6800% | 4,162 |
| Net loans and leases to deposits | 41.2249% | 4,201 |
| Net loans and leases to core deposits | 43.8139% | 4,175 |
| Total domestic deposits to total assets | 91.4000% | 1,078 |
| Equity capital to assets | 8.5899% | 2,486 |
| Core capital (leverage) ratio | 12.1115% | 1,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $74,415,500 | 4,227 |
| Average earning assets | $72,690,000 | 4,153 |
| Average equity | $7,653,750 | 4,179 |
| Average total loans | $25,526,750 | 4,347 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9063% | 4,644 |
| Cost of funding earning assets | 0.1432% | 3,664 |
| Net interest margin | 1.7630% | 4,640 |
| Noninterest income to average assets | 0.6863% | 1,403 |
| Noninterest expense to average assets | 1.7171% | 4,116 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6917% | 3,334 |
| Return on assets (ROA) | 0.6648% | 3,379 |
| Pretax return on assets | 0.6648% | 3,671 |
| Return on Equity (ROE) | 6.1250% | 3,541 |
| Retained earnings to average equity (ytd only) | 6.1250% | 2,290 |
| Net charge-offs to loans | 0.0164% | 1,417 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 128.5000% | 709 |
| Efficiency ratio | 71.2849% | 1,795 |
| Assets per employee ($millions) | 5.4855% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5895% | 92 |
| 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 | 30.9869% | 4,426 |
| Net loans and leases to deposits | 34.2497% | 4,442 |
| Net loans and leases to core deposits | 36.3546% | 4,422 |
| Total domestic deposits to total assets | 90.4736% | 1,483 |
| Equity capital to assets | 9.5186% | 2,002 |
| Core capital (leverage) ratio | 12.4567% | 988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,311,667 | 4,271 |
| Average earning assets | $72,603,000 | 4,216 |
| Average equity | $8,065,333 | 4,195 |
| Average total loans | $24,354,667 | 4,423 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7538% | 4,673 |
| Cost of funding earning assets | 0.1457% | 3,556 |
| Net interest margin | 1.6081% | 4,669 |
| Noninterest income to average assets | 1.3521% | 407 |
| Noninterest expense to average assets | 1.7846% | 3,973 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1386% | 1,407 |
| Return on assets (ROA) | 1.1113% | 1,492 |
| Pretax return on assets | 1.1113% | 2,105 |
| Return on Equity (ROE) | 9.6174% | 2,116 |
| Retained earnings to average equity (ytd only) | 9.6174% | 1,118 |
| Net charge-offs to loans | 0.0331% | 972 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 104.0000% | 661 |
| Efficiency ratio | 61.0487% | 3,371 |
| Assets per employee ($millions) | 5.2705% | 3,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3966% | 56 |
| 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 | 26.1103% | 4,558 |
| Net loans and leases to deposits | 29.2082% | 4,570 |
| Net loans and leases to core deposits | 31.0988% | 4,556 |
| Total domestic deposits to total assets | 89.3938% | 1,870 |
| Equity capital to assets | 10.5967% | 1,547 |
| Core capital (leverage) ratio | 12.3465% | 959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,069,000 | 4,307 |
| Average earning assets | $71,387,500 | 4,254 |
| Average equity | $8,443,000 | 4,219 |
| Average total loans | $24,190,500 | 4,448 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8898% | 4,072 |
| Cost of funding earning assets | 0.2297% | 3,139 |
| Net interest margin | 2.6601% | 3,943 |
| Noninterest income to average assets | 0.3867% | 3,126 |
| Noninterest expense to average assets | 2.1260% | 3,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8473% | 3,197 |
| Return on assets (ROA) | 0.8753% | 3,184 |
| Pretax return on assets | 0.8753% | 3,557 |
| Return on Equity (ROE) | 6.5302% | 3,636 |
| Retained earnings to average equity (ytd only) | 0.0729% | 4,466 |
| Net charge-offs to loans | 0.0069% | 2,318 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 303.5000% | 405 |
| Efficiency ratio | 71.5023% | 1,565 |
| Assets per employee ($millions) | 5.1679% | 3,582 |
| Cash dividends to net income (ytd only)* | 98.8836% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1457% | 131 |
| 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 | 37.7894% | 4,205 |
| Net loans and leases to deposits | 43.2084% | 4,216 |
| Net loans and leases to core deposits | 46.1226% | 4,179 |
| Total domestic deposits to total assets | 87.4584% | 2,308 |
| Equity capital to assets | 12.5320% | 1,048 |
| Core capital (leverage) ratio | 12.5305% | 918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,636,200 | 4,323 |
| Average earning assets | $69,658,400 | 4,261 |
| Average equity | $9,601,600 | 4,182 |
| Average total loans | $28,834,800 | 4,400 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1400% | 3,722 |
| Cost of funding earning assets | 0.2383% | 3,230 |
| Net interest margin | 2.9017% | 3,547 |
| Noninterest income to average assets | 0.5299% | 2,499 |
| Noninterest expense to average assets | 1.9778% | 3,743 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3695% | 1,632 |
| Return on assets (ROA) | 1.3957% | 1,620 |
| Pretax return on assets | 1.3957% | 2,351 |
| Return on Equity (ROE) | 10.2443% | 2,646 |
| Retained earnings to average equity (ytd only) | 10.2443% | 1,247 |
| Net charge-offs to loans | 0.0092% | 1,979 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 367.0000% | 384 |
| Efficiency ratio | 59.0858% | 3,113 |
| Assets per employee ($millions) | 4.9846% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1886% | 129 |
| 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 | 38.6349% | 4,274 |
| Net loans and leases to deposits | 45.0559% | 4,276 |
| Net loans and leases to core deposits | 48.2636% | 4,225 |
| Total domestic deposits to total assets | 85.7489% | 2,847 |
| Equity capital to assets | 14.2382% | 685 |
| Core capital (leverage) ratio | 13.8310% | 674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,457,500 | 4,377 |
| Average earning assets | $69,383,000 | 4,321 |
| Average equity | $9,735,250 | 4,218 |
| Average total loans | $28,986,250 | 4,453 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5440% | 2,789 |
| Cost of funding earning assets | 0.2466% | 3,308 |
| Net interest margin | 3.2974% | 2,444 |
| Noninterest income to average assets | 0.7110% | 1,764 |
| Noninterest expense to average assets | 1.9107% | 3,935 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9940% | 492 |
| Return on assets (ROA) | 2.0218% | 495 |
| Pretax return on assets | 2.0218% | 804 |
| Return on Equity (ROE) | 15.0595% | 1,142 |
| Retained earnings to average equity (ytd only) | 15.0595% | 421 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9331% | 4,329 |
| Assets per employee ($millions) | 5.1606% | 3,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0367% | 148 |
| 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 | 39.3340% | 4,313 |
| Net loans and leases to deposits | 45.6067% | 4,322 |
| Net loans and leases to core deposits | 48.9282% | 4,283 |
| Total domestic deposits to total assets | 86.2460% | 2,650 |
| Equity capital to assets | 13.7416% | 765 |
| Core capital (leverage) ratio | 13.2404% | 754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,015,333 | 4,396 |
| Average earning assets | $69,751,667 | 4,343 |
| Average equity | $9,668,333 | 4,242 |
| Average total loans | $29,365,333 | 4,478 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7454% | 2,251 |
| Cost of funding earning assets | 0.2478% | 3,495 |
| Net interest margin | 3.4977% | 1,829 |
| Noninterest income to average assets | 1.3463% | 719 |
| Noninterest expense to average assets | 1.9917% | 3,746 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.7316% | 191 |
| Return on assets (ROA) | 2.7872% | 206 |
| Pretax return on assets | 2.7872% | 306 |
| Return on Equity (ROE) | 21.0096% | 469 |
| Retained earnings to average equity (ytd only) | 21.0096% | 236 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1673% | 4,661 |
| Assets per employee ($millions) | 5.3453% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3126% | 116 |
| 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 | 34.7128% | 4,560 |
| Net loans and leases to deposits | 39.8451% | 4,571 |
| Net loans and leases to core deposits | 42.5943% | 4,545 |
| Total domestic deposits to total assets | 87.1195% | 2,272 |
| Equity capital to assets | 12.8618% | 956 |
| Core capital (leverage) ratio | 13.1400% | 816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,899,000 | 4,414 |
| Average earning assets | $69,418,000 | 4,364 |
| Average equity | $9,538,500 | 4,264 |
| Average total loans | $29,394,000 | 4,505 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6519% | 3,694 |
| Cost of funding earning assets | 0.3291% | 3,981 |
| Net interest margin | 3.3228% | 3,011 |
| Noninterest income to average assets | 0.1822% | 4,374 |
| Noninterest expense to average assets | 2.3111% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0143% | 2,246 |
| Return on assets (ROA) | 1.0143% | 2,385 |
| Pretax return on assets | 1.0143% | 2,999 |
| Return on Equity (ROE) | 7.0706% | 3,182 |
| Retained earnings to average equity (ytd only) | 0.4551% | 4,378 |
| Net charge-offs to loans | -0.0461% | 4,649 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4977% | 2,017 |
| Assets per employee ($millions) | 4.9260% | 3,472 |
| Cash dividends to net income (ytd only)* | 93.5629% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7881% | 185 |
| 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 | 44.9959% | 4,192 |
| Net loans and leases to deposits | 52.1538% | 4,209 |
| Net loans and leases to core deposits | 56.1018% | 4,146 |
| Total domestic deposits to total assets | 86.2754% | 2,241 |
| Equity capital to assets | 13.7057% | 872 |
| Core capital (leverage) ratio | 13.7829% | 722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,856,000 | 4,433 |
| Average earning assets | $62,296,800 | 4,411 |
| Average equity | $9,447,600 | 4,259 |
| Average total loans | $32,555,800 | 4,467 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8925% | 3,274 |
| Cost of funding earning assets | 0.3454% | 4,082 |
| Net interest margin | 3.5471% | 2,434 |
| Noninterest income to average assets | 0.1967% | 4,300 |
| Noninterest expense to average assets | 2.2331% | 3,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3091% | 1,336 |
| Return on assets (ROA) | 1.2928% | 1,474 |
| Pretax return on assets | 1.2928% | 2,085 |
| Return on Equity (ROE) | 8.9061% | 2,433 |
| Retained earnings to average equity (ytd only) | 2.2018% | 3,861 |
| Net charge-offs to loans | -0.0163% | 4,362 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0422% | 2,908 |
| Assets per employee ($millions) | 4.8374% | 3,443 |
| Cash dividends to net income (ytd only)* | 75.2773% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4956% | 231 |
| 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 | 50.7102% | 4,056 |
| Net loans and leases to deposits | 59.0400% | 4,116 |
| Net loans and leases to core deposits | 63.5946% | 4,029 |
| Total domestic deposits to total assets | 85.8913% | 2,115 |
| Equity capital to assets | 14.0866% | 833 |
| Core capital (leverage) ratio | 13.8766% | 740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,079,000 | 4,454 |
| Average earning assets | $61,381,750 | 4,438 |
| Average equity | $9,446,500 | 4,272 |
| Average total loans | $32,714,500 | 4,494 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6357% | 4,202 |
| Cost of funding earning assets | 0.3632% | 4,209 |
| Net interest margin | 3.2724% | 3,455 |
| Noninterest income to average assets | 0.6699% | 1,859 |
| Noninterest expense to average assets | 2.1997% | 3,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5579% | 832 |
| Return on assets (ROA) | 1.5579% | 904 |
| Pretax return on assets | 1.5579% | 1,326 |
| Return on Equity (ROE) | 10.6296% | 1,761 |
| Retained earnings to average equity (ytd only) | 4.2519% | 2,798 |
| Net charge-offs to loans | -0.0188% | 4,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5406% | 3,623 |
| Assets per employee ($millions) | 4.7195% | 3,513 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5596% | 204 |
| 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 | 50.5865% | 4,129 |
| Net loans and leases to deposits | 59.1628% | 4,159 |
| Net loans and leases to core deposits | 63.8472% | 4,083 |
| Total domestic deposits to total assets | 85.5039% | 2,202 |
| Equity capital to assets | 14.4673% | 741 |
| Core capital (leverage) ratio | 14.1774% | 716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,189,667 | 4,479 |
| Average earning assets | $60,566,333 | 4,462 |
| Average equity | $9,407,667 | 4,297 |
| Average total loans | $31,878,667 | 4,530 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8596% | 4,112 |
| Cost of funding earning assets | 0.3900% | 4,393 |
| Net interest margin | 3.4696% | 3,081 |
| Noninterest income to average assets | 0.2909% | 3,782 |
| Noninterest expense to average assets | 2.2704% | 3,834 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2838% | 1,285 |
| Return on assets (ROA) | 1.2838% | 1,379 |
| Pretax return on assets | 1.2838% | 1,918 |
| Return on Equity (ROE) | 8.7012% | 2,236 |
| Retained earnings to average equity (ytd only) | 2.2718% | 3,343 |
| Net charge-offs to loans | -0.0130% | 4,173 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8790% | 3,250 |
| Assets per employee ($millions) | 4.5121% | 3,242 |
| Cash dividends to net income (ytd only)* | 73.8916% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2122% | 120 |
| 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 | 41.7847% | 4,601 |
| Net loans and leases to deposits | 49.0960% | 4,623 |
| Net loans and leases to core deposits | 53.1739% | 4,597 |
| Total domestic deposits to total assets | 85.1082% | 2,372 |
| Equity capital to assets | 14.8586% | 788 |
| Core capital (leverage) ratio | 14.2868% | 837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,248,000 | 4,509 |
| Average earning assets | $59,487,500 | 4,491 |
| Average equity | $9,332,000 | 4,325 |
| Average total loans | $30,667,000 | 4,579 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4107% | 3,215 |
| Cost of funding earning assets | 0.3580% | 4,578 |
| Net interest margin | 4.0526% | 1,678 |
| Noninterest income to average assets | 0.1719% | 4,631 |
| Noninterest expense to average assets | 2.4529% | 3,570 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5389% | 964 |
| Return on assets (ROA) | 1.5374% | 1,026 |
| Pretax return on assets | 1.5374% | 1,692 |
| Return on Equity (ROE) | 10.8626% | 1,944 |
| Retained earnings to average equity (ytd only) | 4.2391% | 2,836 |
| Net charge-offs to loans | -0.0233% | 4,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4481% | 3,465 |
| Assets per employee ($millions) | 4.5234% | 3,186 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5688% | 201 |
| 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 | 52.4073% | 4,190 |
| Net loans and leases to deposits | 61.4240% | 4,218 |
| Net loans and leases to core deposits | 66.4704% | 4,167 |
| Total domestic deposits to total assets | 85.3206% | 2,378 |
| Equity capital to assets | 14.6509% | 885 |
| Core capital (leverage) ratio | 14.4981% | 800 |
| Tier 1 risk-based capital ratio | 20.3445% | 1,267 |
| Total risk-based capital ratio | 21.6320% | 1,238 |
| Memoranda: | ||
| Average total assets | $64,006,000 | 4,529 |
| Average earning assets | $60,331,000 | 4,507 |
| Average equity | $9,058,600 | 4,370 |
| Average total loans | $34,371,800 | 4,549 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 3,331 |
| Cost of funding earning assets | 0.3458% | 4,670 |
| Net interest margin | 4.0615% | 1,726 |
| Noninterest income to average assets | 0.1704% | 4,697 |
| Noninterest expense to average assets | 2.3913% | 3,714 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6101% | 909 |
| Return on assets (ROA) | 1.6080% | 950 |
| Pretax return on assets | 1.6080% | 1,605 |
| Return on Equity (ROE) | 11.4616% | 1,816 |
| Retained earnings to average equity (ytd only) | 4.7979% | 2,991 |
| Net charge-offs to loans | -0.0194% | 4,578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7612% | 3,687 |
| Assets per employee ($millions) | 4.4000% | 3,340 |
| Cash dividends to net income (ytd only)* | 58.1403% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3465% | 268 |
| 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 | 58.9123% | 3,781 |
| Net loans and leases to deposits | 69.3086% | 3,811 |
| Net loans and leases to core deposits | 75.5947% | 3,723 |
| Total domestic deposits to total assets | 85.0000% | 2,427 |
| Equity capital to assets | 14.9643% | 854 |
| Core capital (leverage) ratio | 14.3014% | 905 |
| Tier 1 risk-based capital ratio | 17.0874% | 2,053 |
| Total risk-based capital ratio | 18.3673% | 1,999 |
| Memoranda: | ||
| Average total assets | $64,175,750 | 4,588 |
| Average earning assets | $60,534,500 | 4,560 |
| Average equity | $9,003,750 | 4,424 |
| Average total loans | $34,449,000 | 4,609 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2517% | 3,785 |
| Cost of funding earning assets | 0.3158% | 4,786 |
| Net interest margin | 3.9359% | 2,132 |
| Noninterest income to average assets | 0.1753% | 4,698 |
| Noninterest expense to average assets | 2.2911% | 4,027 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6022% | 908 |
| Return on assets (ROA) | 1.5992% | 959 |
| Pretax return on assets | 1.5992% | 1,554 |
| Return on Equity (ROE) | 11.6431% | 1,720 |
| Retained earnings to average equity (ytd only) | 4.9259% | 2,808 |
| Net charge-offs to loans | -0.0238% | 4,608 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8468% | 3,884 |
| Assets per employee ($millions) | 4.3352% | 3,391 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4112% | 252 |
| 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 | 58.0825% | 3,907 |
| Net loans and leases to deposits | 68.3669% | 3,946 |
| Net loans and leases to core deposits | 74.6374% | 3,849 |
| Total domestic deposits to total assets | 84.9571% | 2,494 |
| Equity capital to assets | 15.0149% | 805 |
| Core capital (leverage) ratio | 14.1077% | 932 |
| Tier 1 risk-based capital ratio | 19.4659% | 1,444 |
| Total risk-based capital ratio | 20.7482% | 1,410 |
| Memoranda: | ||
| Average total assets | $65,034,330 | 4,608 |
| Average earning assets | $61,434,000 | 4,578 |
| Average equity | $8,932,330 | 4,452 |
| Average total loans | $33,544,670 | 4,661 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 4,151 |
| Cost of funding earning assets | 0.2895% | 4,875 |
| Net interest margin | 3.8015% | 2,521 |
| Noninterest income to average assets | 0.1250% | 4,981 |
| Noninterest expense to average assets | 2.2439% | 4,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4761% | 1,164 |
| Return on assets (ROA) | 1.4701% | 1,207 |
| Pretax return on assets | 1.4701% | 1,867 |
| Return on Equity (ROE) | 11.1739% | 1,882 |
| Retained earnings to average equity (ytd only) | 4.3881% | 3,176 |
| Net charge-offs to loans | -0.0248% | 4,576 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3200% | 3,762 |
| Assets per employee ($millions) | 4.7521% | 2,845 |
| Cash dividends to net income (ytd only)* | 60.7287% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8719% | 152 |
| Loan loss allowance to noncurrent loans | 166.7946% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.7831% | 1,797 |
| Noncurrent loans to loans | 1.7218% | 895 |
| Net loans and leases to total assets | 44.1762% | 4,743 |
| Net loans and leases to deposits | 51.0438% | 4,783 |
| Net loans and leases to core deposits | 55.4466% | 4,736 |
| Total domestic deposits to total assets | 86.5457% | 2,042 |
| Equity capital to assets | 13.4332% | 1,234 |
| Core capital (leverage) ratio | 13.0953% | 1,228 |
| Tier 1 risk-based capital ratio | 18.0942% | 1,773 |
| Total risk-based capital ratio | 19.3740% | 1,721 |
| Memoranda: | ||
| Average total assets | $67,205,000 | 4,615 |
| Average earning assets | $63,554,500 | 4,587 |
| Average equity | $8,842,000 | 4,493 |
| Average total loans | $32,255,500 | 4,746 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8675% | 4,344 |
| Cost of funding earning assets | 0.2483% | 4,817 |
| Net interest margin | 3.6192% | 3,312 |
| Noninterest income to average assets | 0.1549% | 4,945 |
| Noninterest expense to average assets | 2.2832% | 4,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3034% | 1,784 |
| Return on assets (ROA) | 1.3034% | 1,772 |
| Pretax return on assets | 1.3034% | 2,485 |
| Return on Equity (ROE) | 9.9795% | 2,525 |
| Retained earnings to average equity (ytd only) | 2.8845% | 3,958 |
| Net charge-offs to loans | -0.0272% | 4,782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6595% | 3,230 |
| Assets per employee ($millions) | 4.8486% | 2,678 |
| Cash dividends to net income (ytd only)* | 71.0956% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5312% | 225 |
| 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 | 49.1817% | 4,574 |
| Net loans and leases to deposits | 56.4708% | 4,645 |
| Net loans and leases to core deposits | 61.4701% | 4,562 |
| Total domestic deposits to total assets | 87.0921% | 1,743 |
| Equity capital to assets | 12.8858% | 1,399 |
| Core capital (leverage) ratio | 13.0377% | 1,234 |
| Tier 1 risk-based capital ratio | 19.1897% | 1,480 |
| Total risk-based capital ratio | 20.4681% | 1,438 |
| Memoranda: | ||
| Average total assets | $65,828,000 | 4,660 |
| Average earning assets | $62,417,000 | 4,623 |
| Average equity | $8,597,600 | 4,510 |
| Average total loans | $33,097,600 | 4,743 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7699% | 4,507 |
| Cost of funding earning assets | 0.2327% | 4,873 |
| Net interest margin | 3.5372% | 3,568 |
| Noninterest income to average assets | 0.1470% | 5,040 |
| Noninterest expense to average assets | 2.2291% | 4,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2697% | 1,965 |
| Return on assets (ROA) | 1.2697% | 1,970 |
| Pretax return on assets | 1.2697% | 2,730 |
| Return on Equity (ROE) | 9.6879% | 2,758 |
| Retained earnings to average equity (ytd only) | 2.5232% | 4,392 |
| Net charge-offs to loans | -0.0162% | 4,561 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7106% | 3,236 |
| Assets per employee ($millions) | 4.5613% | 3,026 |
| Cash dividends to net income (ytd only)* | 73.9555% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3886% | 276 |
| 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 | 55.1630% | 4,281 |
| Net loans and leases to deposits | 63.7471% | 4,345 |
| Net loans and leases to core deposits | 69.7973% | 4,203 |
| Total domestic deposits to total assets | 86.5342% | 1,957 |
| Equity capital to assets | 13.4470% | 1,154 |
| Core capital (leverage) ratio | 13.3410% | 1,162 |
| Tier 1 risk-based capital ratio | 18.5319% | 1,653 |
| Total risk-based capital ratio | 19.8129% | 1,604 |
| Memoranda: | ||
| Average total assets | $65,314,750 | 4,717 |
| Average earning assets | $61,892,500 | 4,679 |
| Average equity | $8,560,250 | 4,561 |
| Average total loans | $32,809,000 | 4,802 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5850% | 4,787 |
| Cost of funding earning assets | 0.2307% | 4,850 |
| Net interest margin | 3.3543% | 4,091 |
| Noninterest income to average assets | 0.1489% | 5,079 |
| Noninterest expense to average assets | 2.2067% | 4,351 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1246% | 2,502 |
| Return on assets (ROA) | 1.1246% | 2,506 |
| Pretax return on assets | 1.1246% | 3,213 |
| Return on Equity (ROE) | 8.6536% | 3,197 |
| Retained earnings to average equity (ytd only) | 1.6372% | 4,595 |
| Net charge-offs to loans | -0.0189% | 4,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2409% | 2,928 |
| Assets per employee ($millions) | 4.7029% | 2,813 |
| Cash dividends to net income (ytd only)* | 81.0811% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5769% | 228 |
| 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 | 49.4396% | 4,639 |
| Net loans and leases to deposits | 56.8289% | 4,710 |
| Net loans and leases to core deposits | 61.9925% | 4,602 |
| Total domestic deposits to total assets | 86.9973% | 1,840 |
| Equity capital to assets | 12.9875% | 1,297 |
| Core capital (leverage) ratio | 12.6723% | 1,357 |
| Tier 1 risk-based capital ratio | 19.7226% | 1,374 |
| Total risk-based capital ratio | 21.0155% | 1,339 |
| Memoranda: | ||
| Average total assets | $65,800,330 | 4,761 |
| Average earning assets | $62,426,670 | 4,722 |
| Average equity | $8,551,330 | 4,600 |
| Average total loans | $31,716,000 | 4,885 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4978% | 4,879 |
| Cost of funding earning assets | 0.2306% | 4,831 |
| Net interest margin | 3.2672% | 4,270 |
| Noninterest income to average assets | 0.1459% | 5,134 |
| Noninterest expense to average assets | 2.2499% | 4,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9973% | 2,868 |
| Return on assets (ROA) | 0.9973% | 2,888 |
| Pretax return on assets | 0.9973% | 3,541 |
| Return on Equity (ROE) | 7.6712% | 3,517 |
| Retained earnings to average equity (ytd only) | 0.6549% | 4,703 |
| Net charge-offs to loans | -0.0259% | 4,676 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2884% | 2,620 |
| Assets per employee ($millions) | 4.9219% | 2,577 |
| Cash dividends to net income (ytd only)* | 91.4634% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2762% | 114 |
| 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 | 36.8473% | 5,181 |
| Net loans and leases to deposits | 42.0350% | 5,216 |
| Net loans and leases to core deposits | 45.6253% | 5,175 |
| Total domestic deposits to total assets | 87.6585% | 1,811 |
| Equity capital to assets | 12.3269% | 1,586 |
| Core capital (leverage) ratio | 12.7956% | 1,255 |
| Tier 1 risk-based capital ratio | 21.8708% | 1,071 |
| Total risk-based capital ratio | 23.1680% | 1,038 |
| Memoranda: | ||
| Average total assets | $65,780,500 | 4,820 |
| Average earning assets | $62,438,500 | 4,781 |
| Average equity | $8,551,500 | 4,654 |
| Average total loans | $30,868,000 | 4,954 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8092% | 4,019 |
| Cost of funding earning assets | 0.2367% | 4,672 |
| Net interest margin | 3.5725% | 3,258 |
| Noninterest income to average assets | 0.1624% | 5,148 |
| Noninterest expense to average assets | 2.4862% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0344% | 2,109 |
| Return on assets (ROA) | 1.0344% | 2,139 |
| Pretax return on assets | 1.0344% | 3,437 |
| Return on Equity (ROE) | 7.3852% | 3,077 |
| Retained earnings to average equity (ytd only) | 0.4290% | 4,863 |
| Net charge-offs to loans | -0.0275% | 5,038 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6181% | 2,454 |
| Assets per employee ($millions) | 4.4754% | 3,227 |
| Cash dividends to net income (ytd only)* | 94.1915% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4179% | 272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 55.2677% | 4,252 |
| Net loans and leases to deposits | 64.0856% | 4,313 |
| Net loans and leases to core deposits | 71.7367% | 4,067 |
| Total domestic deposits to total assets | 86.2405% | 2,332 |
| Equity capital to assets | 13.7403% | 975 |
| Core capital (leverage) ratio | 13.4230% | 997 |
| Tier 1 risk-based capital ratio | 18.5937% | 1,622 |
| Total risk-based capital ratio | 19.8793% | 1,561 |
| Memoranda: | ||
| Average total assets | $61,579,600 | 4,934 |
| Average earning assets | $57,886,600 | 4,912 |
| Average equity | $8,625,400 | 4,678 |
| Average total loans | $32,762,600 | 4,932 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7724% | 4,094 |
| Cost of funding earning assets | 0.2385% | 4,666 |
| Net interest margin | 3.5338% | 3,374 |
| Noninterest income to average assets | 0.1653% | 5,191 |
| Noninterest expense to average assets | 2.3356% | 4,198 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1482% | 1,888 |
| Return on assets (ROA) | 1.1482% | 1,938 |
| Pretax return on assets | 1.1482% | 3,124 |
| Return on Equity (ROE) | 8.1578% | 3,042 |
| Retained earnings to average equity (ytd only) | 1.2052% | 4,922 |
| Net charge-offs to loans | -0.0291% | 4,988 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0412% | 3,042 |
| Assets per employee ($millions) | 4.2869% | 3,495 |
| Cash dividends to net income (ytd only)* | 85.2283% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4494% | 281 |
| 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 | 56.8049% | 4,167 |
| Net loans and leases to deposits | 67.1830% | 4,169 |
| Net loans and leases to core deposits | 75.7600% | 3,821 |
| Total domestic deposits to total assets | 84.5525% | 2,896 |
| Equity capital to assets | 14.5961% | 830 |
| Core capital (leverage) ratio | 14.4089% | 791 |
| Tier 1 risk-based capital ratio | 18.4973% | 1,732 |
| Total risk-based capital ratio | 19.8114% | 1,663 |
| Memoranda: | ||
| Average total assets | $61,310,750 | 4,991 |
| Average earning assets | $57,575,500 | 4,972 |
| Average equity | $8,629,500 | 4,725 |
| Average total loans | $32,081,750 | 5,014 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6430% | 4,383 |
| Cost of funding earning assets | 0.2383% | 4,651 |
| Net interest margin | 3.4048% | 3,758 |
| Noninterest income to average assets | 0.1555% | 5,280 |
| Noninterest expense to average assets | 2.2319% | 4,498 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1175% | 1,896 |
| Return on assets (ROA) | 1.1175% | 1,946 |
| Pretax return on assets | 1.1175% | 3,101 |
| Return on Equity (ROE) | 8.0363% | 3,011 |
| Retained earnings to average equity (ytd only) | 1.0482% | 4,821 |
| Net charge-offs to loans | -0.0321% | 4,990 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6344% | 3,241 |
| Assets per employee ($millions) | 4.2081% | 3,603 |
| Cash dividends to net income (ytd only)* | 86.9565% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6394% | 239 |
| 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 | 53.4712% | 4,438 |
| Net loans and leases to deposits | 62.7930% | 4,446 |
| Net loans and leases to core deposits | 71.3732% | 4,134 |
| Total domestic deposits to total assets | 85.1546% | 2,753 |
| Equity capital to assets | 14.8284% | 732 |
| Core capital (leverage) ratio | 14.1058% | 831 |
| Tier 1 risk-based capital ratio | 18.4755% | 1,722 |
| Total risk-based capital ratio | 19.7838% | 1,668 |
| Memoranda: | ||
| Average total assets | $61,742,330 | 5,023 |
| Average earning assets | $57,918,670 | 5,004 |
| Average equity | $8,586,000 | 4,755 |
| Average total loans | $31,126,330 | 5,076 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5876% | 4,453 |
| Cost of funding earning assets | 0.2301% | 4,718 |
| Net interest margin | 3.3575% | 3,811 |
| Noninterest income to average assets | 0.1647% | 5,290 |
| Noninterest expense to average assets | 2.3497% | 4,262 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9564% | 2,497 |
| Return on assets (ROA) | 0.9564% | 2,557 |
| Pretax return on assets | 0.9564% | 3,557 |
| Return on Equity (ROE) | 7.0967% | 3,366 |
| Retained earnings to average equity (ytd only) | 0.0470% | 4,903 |
| Net charge-offs to loans | -0.0393% | 5,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0728% | 2,720 |
| Assets per employee ($millions) | 4.4329% | 3,276 |
| Cash dividends to net income (ytd only)* | 99.3377% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1170% | 155 |
| 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 | 42.6716% | 5,127 |
| Net loans and leases to deposits | 49.5194% | 5,159 |
| Net loans and leases to core deposits | 55.7927% | 4,985 |
| Total domestic deposits to total assets | 86.1714% | 2,595 |
| Equity capital to assets | 13.8092% | 970 |
| Core capital (leverage) ratio | 13.0372% | 1,131 |
| Tier 1 risk-based capital ratio | 17.7287% | 1,969 |
| Total risk-based capital ratio | 19.5502% | 1,746 |
| Memoranda: | ||
| Average total assets | $63,156,500 | 5,048 |
| Average earning assets | $59,092,000 | 5,025 |
| Average equity | $8,511,000 | 4,810 |
| Average total loans | $30,511,500 | 5,141 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7598% | 4,023 |
| Cost of funding earning assets | 0.2903% | 4,168 |
| Net interest margin | 3.4695% | 3,546 |
| Noninterest income to average assets | 0.1520% | 5,447 |
| Noninterest expense to average assets | 2.1646% | 4,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2321% | 1,403 |
| Return on assets (ROA) | 1.2350% | 1,482 |
| Pretax return on assets | 1.2350% | 2,529 |
| Return on Equity (ROE) | 9.6633% | 2,124 |
| Retained earnings to average equity (ytd only) | 2.7362% | 3,955 |
| Net charge-offs to loans | -0.0204% | 5,134 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7272% | 3,990 |
| Assets per employee ($millions) | 4.5895% | 2,977 |
| Cash dividends to net income (ytd only)* | 71.6846% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5201% | 309 |
| 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 | 51.1105% | 4,677 |
| Net loans and leases to deposits | 58.8636% | 4,741 |
| Net loans and leases to core deposits | 65.9530% | 4,531 |
| Total domestic deposits to total assets | 86.8286% | 2,230 |
| Equity capital to assets | 13.1542% | 1,191 |
| Core capital (leverage) ratio | 12.8428% | 1,191 |
| Tier 1 risk-based capital ratio | 18.2259% | 1,795 |
| Total risk-based capital ratio | 20.0922% | 1,598 |
| Memoranda: | ||
| Average total assets | $67,771,800 | 4,978 |
| Average earning assets | $63,380,400 | 4,954 |
| Average equity | $8,661,600 | 4,808 |
| Average total loans | $34,319,600 | 5,060 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7572% | 4,055 |
| Cost of funding earning assets | 0.3057% | 4,034 |
| Net interest margin | 3.4516% | 3,661 |
| Noninterest income to average assets | 0.1476% | 5,522 |
| Noninterest expense to average assets | 2.0140% | 5,174 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3576% | 1,151 |
| Return on assets (ROA) | 1.3614% | 1,220 |
| Pretax return on assets | 1.3614% | 2,192 |
| Return on Equity (ROE) | 10.7257% | 1,780 |
| Retained earnings to average equity (ytd only) | 3.8405% | 3,574 |
| Net charge-offs to loans | -0.0077% | 4,707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7350% | 4,582 |
| Assets per employee ($millions) | 4.8129% | 2,594 |
| Cash dividends to net income (ytd only)* | 64.1948% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2471% | 476 |
| 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 | 54.4909% | 4,444 |
| Net loans and leases to deposits | 69.0826% | 4,052 |
| Net loans and leases to core deposits | 77.8376% | 3,682 |
| Total domestic deposits to total assets | 78.8780% | 4,749 |
| Equity capital to assets | 13.2383% | 1,378 |
| Core capital (leverage) ratio | 12.4590% | 1,412 |
| Tier 1 risk-based capital ratio | 17.1500% | 2,183 |
| Total risk-based capital ratio | 18.8791% | 1,998 |
| Memoranda: | ||
| Average total assets | $68,651,500 | 5,004 |
| Average earning assets | $64,123,250 | 4,978 |
| Average equity | $8,714,000 | 4,853 |
| Average total loans | $34,477,250 | 5,104 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6215% | 4,529 |
| Cost of funding earning assets | 0.3230% | 3,869 |
| Net interest margin | 3.2985% | 4,241 |
| Noninterest income to average assets | 0.1477% | 5,564 |
| Noninterest expense to average assets | 2.0297% | 5,213 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1929% | 1,631 |
| Return on assets (ROA) | 1.1929% | 1,723 |
| Pretax return on assets | 1.1929% | 2,804 |
| Return on Equity (ROE) | 9.5312% | 2,257 |
| Retained earnings to average equity (ytd only) | 2.5910% | 4,242 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9829% | 4,182 |
| Assets per employee ($millions) | 5.1825% | 2,104 |
| Cash dividends to net income (ytd only)* | 72.8155% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4187% | 398 |
| Loan loss allowance to noncurrent loans | 3,660.8696% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 5,452 |
| Noncurrent loans to loans | 0.0661% | 5,188 |
| Net loans and leases to total assets | 50.4208% | 4,815 |
| Net loans and leases to deposits | 62.3097% | 4,631 |
| Net loans and leases to core deposits | 70.1396% | 4,313 |
| Total domestic deposits to total assets | 80.9197% | 4,301 |
| Equity capital to assets | 13.1254% | 1,433 |
| Core capital (leverage) ratio | 12.2147% | 1,510 |
| Tier 1 risk-based capital ratio | 16.6936% | 2,353 |
| Total risk-based capital ratio | 17.9719% | 2,294 |
| Memoranda: | ||
| Average total assets | $69,075,330 | 5,044 |
| Average earning assets | $64,392,670 | 5,019 |
| Average equity | $8,645,330 | 4,898 |
| Average total loans | $33,449,670 | 5,188 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6143% | 4,584 |
| Cost of funding earning assets | 0.3369% | 3,757 |
| Net interest margin | 3.2774% | 4,308 |
| Noninterest income to average assets | 0.1487% | 5,597 |
| Noninterest expense to average assets | 2.1051% | 5,106 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1040% | 1,887 |
| Return on assets (ROA) | 1.1040% | 1,990 |
| Pretax return on assets | 1.1040% | 3,079 |
| Return on Equity (ROE) | 9.0329% | 2,411 |
| Retained earnings to average equity (ytd only) | 2.0125% | 4,452 |
| Net charge-offs to loans | 0.0244% | 2,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 96.5000% | 554 |
| Efficiency ratio | 65.5971% | 3,862 |
| Assets per employee ($millions) | 5.2946% | 2,039 |
| Cash dividends to net income (ytd only)* | 77.7202% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7044% | 312 |
| 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 | 43.9067% | 5,243 |
| Net loans and leases to deposits | 50.2052% | 5,329 |
| Net loans and leases to core deposits | 59.1583% | 4,992 |
| Total domestic deposits to total assets | 87.4546% | 1,958 |
| Equity capital to assets | 12.5265% | 1,669 |
| Core capital (leverage) ratio | 11.9762% | 1,623 |
| Tier 1 risk-based capital ratio | 15.7683% | 2,796 |
| Total risk-based capital ratio | 17.0465% | 2,717 |
| Memoranda: | ||
| Average total assets | $69,926,500 | 5,070 |
| Average earning assets | $65,296,000 | 5,039 |
| Average equity | $8,546,500 | 4,946 |
| Average total loans | $32,768,500 | 5,244 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4335% | 5,090 |
| Cost of funding earning assets | 0.3539% | 3,659 |
| Net interest margin | 3.0796% | 4,952 |
| Noninterest income to average assets | 0.1434% | 5,697 |
| Noninterest expense to average assets | 1.8599% | 5,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1603% | 1,698 |
| Return on assets (ROA) | 1.2094% | 1,585 |
| Pretax return on assets | 1.2094% | 2,622 |
| Return on Equity (ROE) | 11.0275% | 1,604 |
| Retained earnings to average equity (ytd only) | 5.2777% | 2,224 |
| Net charge-offs to loans | -0.0031% | 4,913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5824% | 4,681 |
| Assets per employee ($millions) | 5.4633% | 1,849 |
| Cash dividends to net income (ytd only)* | 52.1405% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4423% | 432 |
| Loan loss allowance to noncurrent loans | 572.7891% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 4,768 |
| Noncurrent loans to loans | 0.4264% | 3,929 |
| Net loans and leases to total assets | 47.3565% | 5,068 |
| Net loans and leases to deposits | 53.7817% | 5,176 |
| Net loans and leases to core deposits | 62.9143% | 4,803 |
| Total domestic deposits to total assets | 88.0532% | 1,602 |
| Equity capital to assets | 11.9271% | 2,013 |
| Core capital (leverage) ratio | 11.6867% | 1,824 |
| Tier 1 risk-based capital ratio | 16.4607% | 2,503 |
| Total risk-based capital ratio | 17.7363% | 2,449 |
| Memoranda: | ||
| Average total assets | $75,327,200 | 4,962 |
| Average earning assets | $70,365,400 | 4,928 |
| Average equity | $8,261,200 | 5,015 |
| Average total loans | $32,377,200 | 5,283 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3504% | 5,320 |
| Cost of funding earning assets | 0.3567% | 3,679 |
| Net interest margin | 2.9937% | 5,205 |
| Noninterest income to average assets | 0.1501% | 5,737 |
| Noninterest expense to average assets | 1.7800% | 5,803 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1675% | 1,766 |
| Return on assets (ROA) | 1.1779% | 1,793 |
| Pretax return on assets | 1.1779% | 2,900 |
| Return on Equity (ROE) | 10.9637% | 1,724 |
| Retained earnings to average equity (ytd only) | 5.6849% | 2,455 |
| Net charge-offs to loans | 0.0084% | 3,875 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 334.0749% | 221 |
| Efficiency ratio | 60.3908% | 4,833 |
| Assets per employee ($millions) | 5.8136% | 1,500 |
| Cash dividends to net income (ytd only)* | 48.1477% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4082% | 495 |
| 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 | 44.9872% | 5,294 |
| Net loans and leases to deposits | 57.3869% | 5,044 |
| Net loans and leases to core deposits | 67.7250% | 4,566 |
| Total domestic deposits to total assets | 78.3929% | 5,114 |
| Equity capital to assets | 11.1357% | 2,872 |
| Core capital (leverage) ratio | 10.3233% | 3,228 |
| Tier 1 risk-based capital ratio | 17.9158% | 2,046 |
| Total risk-based capital ratio | 19.1778% | 2,011 |
| Memoranda: | ||
| Average total assets | $76,403,250 | 4,996 |
| Average earning assets | $71,393,000 | 4,964 |
| Average equity | $8,208,750 | 5,088 |
| Average total loans | $31,852,500 | 5,359 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2192% | 5,590 |
| Cost of funding earning assets | 0.3580% | 3,725 |
| Net interest margin | 2.8612% | 5,514 |
| Noninterest income to average assets | 0.1487% | 5,820 |
| Noninterest expense to average assets | 1.6954% | 5,972 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1216% | 1,870 |
| Return on assets (ROA) | 1.1268% | 1,935 |
| Pretax return on assets | 1.1268% | 3,069 |
| Return on Equity (ROE) | 10.6147% | 1,806 |
| Retained earnings to average equity (ytd only) | 5.7005% | 2,410 |
| Net charge-offs to loans | 0.0194% | 3,299 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 143.3333% | 442 |
| Efficiency ratio | 60.1852% | 4,946 |
| Assets per employee ($millions) | 5.9764% | 1,372 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5476% | 462 |
| 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 | 41.2598% | 5,555 |
| Net loans and leases to deposits | 50.3740% | 5,485 |
| Net loans and leases to core deposits | 58.9763% | 5,137 |
| Total domestic deposits to total assets | 81.9070% | 4,319 |
| Equity capital to assets | 10.3510% | 3,617 |
| Core capital (leverage) ratio | 10.3701% | 3,116 |
| Tier 1 risk-based capital ratio | 19.3448% | 1,711 |
| Total risk-based capital ratio | 20.6081% | 1,677 |
| Memoranda: | ||
| Average total assets | $76,678,670 | 5,041 |
| Average earning assets | $71,508,330 | 5,011 |
| Average equity | $8,139,670 | 5,138 |
| Average total loans | $30,857,000 | 5,439 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2247% | 5,610 |
| Cost of funding earning assets | 0.3697% | 3,650 |
| Net interest margin | 2.8550% | 5,538 |
| Noninterest income to average assets | 0.1470% | 5,858 |
| Noninterest expense to average assets | 1.7277% | 5,984 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0555% | 2,012 |
| Return on assets (ROA) | 1.0555% | 2,146 |
| Pretax return on assets | 1.0555% | 3,281 |
| Return on Equity (ROE) | 9.8186% | 2,086 |
| Retained earnings to average equity (ytd only) | 4.9337% | 3,089 |
| Net charge-offs to loans | 0.0268% | 2,636 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 100.5000% | 492 |
| Efficiency ratio | 62.0755% | 4,783 |
| Assets per employee ($millions) | 5.9552% | 1,422 |
| Cash dividends to net income (ytd only)* | 49.7512% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9649% | 308 |
| 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 | 35.4690% | 5,850 |
| Net loans and leases to deposits | 39.7346% | 5,925 |
| Net loans and leases to core deposits | 45.8736% | 5,762 |
| Total domestic deposits to total assets | 89.2646% | 1,105 |
| Equity capital to assets | 10.7108% | 3,309 |
| Core capital (leverage) ratio | 10.3117% | 3,204 |
| Tier 1 risk-based capital ratio | 20.2977% | 1,558 |
| Total risk-based capital ratio | 21.5682% | 1,525 |
| Memoranda: | ||
| Average total assets | $76,171,500 | 5,105 |
| Average earning assets | $70,332,000 | 5,080 |
| Average equity | $8,188,500 | 5,168 |
| Average total loans | $29,838,500 | 5,517 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4278% | 5,470 |
| Cost of funding earning assets | 0.4172% | 3,511 |
| Net interest margin | 3.0107% | 5,427 |
| Noninterest income to average assets | 0.1496% | 5,946 |
| Noninterest expense to average assets | 1.9008% | 5,941 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0321% | 2,256 |
| Return on assets (ROA) | 1.0321% | 2,328 |
| Pretax return on assets | 1.0321% | 3,382 |
| Return on Equity (ROE) | 9.8160% | 2,191 |
| Retained earnings to average equity (ytd only) | 7.8580% | 1,072 |
| Net charge-offs to loans | -0.0459% | 5,901 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8105% | 4,435 |
| Assets per employee ($millions) | 5.7635% | 1,548 |
| Cash dividends to net income (ytd only)* | 19.9468% | 3,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6801% | 437 |
| Loan loss allowance to noncurrent loans | 494.7059% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2269% | 5,117 |
| Noncurrent loans to loans | 0.5418% | 4,034 |
| Net loans and leases to total assets | 40.7575% | 5,697 |
| Net loans and leases to deposits | 45.7012% | 5,805 |
| Net loans and leases to core deposits | 53.0128% | 5,558 |
| Total domestic deposits to total assets | 89.1827% | 1,132 |
| Equity capital to assets | 10.7906% | 3,134 |
| Core capital (leverage) ratio | 10.8430% | 2,561 |
| Tier 1 risk-based capital ratio | 19.8206% | 1,633 |
| Total risk-based capital ratio | 20.6897% | 1,706 |
| Memoranda: | ||
| Average total assets | $72,863,600 | 5,209 |
| Average earning assets | $67,360,600 | 5,189 |
| Average equity | $7,661,000 | 5,281 |
| Average total loans | $30,515,800 | 5,546 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4417% | 5,516 |
| Cost of funding earning assets | 0.4213% | 3,562 |
| Net interest margin | 3.0204% | 5,461 |
| Noninterest income to average assets | 0.1530% | 5,999 |
| Noninterest expense to average assets | 1.8632% | 6,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0910% | 2,067 |
| Return on assets (ROA) | 1.0910% | 2,136 |
| Pretax return on assets | 1.0910% | 3,225 |
| Return on Equity (ROE) | 10.4475% | 2,023 |
| Retained earnings to average equity (ytd only) | 7.8004% | 1,449 |
| Net charge-offs to loans | -0.0308% | 5,747 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0692% | 4,711 |
| Assets per employee ($millions) | 5.6284% | 1,613 |
| Cash dividends to net income (ytd only)* | 25.3386% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6527% | 523 |
| 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 | 41.8292% | 5,689 |
| Net loans and leases to deposits | 49.9299% | 5,654 |
| Net loans and leases to core deposits | 59.0359% | 5,262 |
| Total domestic deposits to total assets | 83.7759% | 3,845 |
| Equity capital to assets | 10.8666% | 3,105 |
| Core capital (leverage) ratio | 10.3254% | 3,257 |
| Tier 1 risk-based capital ratio | 19.6070% | 1,759 |
| Total risk-based capital ratio | 20.4794% | 1,818 |
| Memoranda: | ||
| Average total assets | $72,348,000 | 5,279 |
| Average earning assets | $67,097,500 | 5,250 |
| Average equity | $7,555,000 | 5,344 |
| Average total loans | $30,300,000 | 5,607 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3367% | 5,743 |
| Cost of funding earning assets | 0.4126% | 3,741 |
| Net interest margin | 2.9240% | 5,687 |
| Noninterest income to average assets | 0.1471% | 6,080 |
| Noninterest expense to average assets | 1.7315% | 6,238 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1488% | 1,759 |
| Return on assets (ROA) | 1.1488% | 1,841 |
| Pretax return on assets | 1.1488% | 2,889 |
| Return on Equity (ROE) | 11.1545% | 1,692 |
| Retained earnings to average equity (ytd only) | 7.1130% | 1,715 |
| Net charge-offs to loans | -0.0468% | 5,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1156% | 5,279 |
| Assets per employee ($millions) | 5.6149% | 1,599 |
| Cash dividends to net income (ytd only)* | 36.2319% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6935% | 539 |
| 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 | 41.2774% | 5,725 |
| Net loans and leases to deposits | 48.4436% | 5,749 |
| Net loans and leases to core deposits | 57.1239% | 5,332 |
| Total domestic deposits to total assets | 85.2070% | 3,408 |
| Equity capital to assets | 10.6557% | 3,248 |
| Core capital (leverage) ratio | 10.3304% | 3,165 |
| Tier 1 risk-based capital ratio | 19.3192% | 1,849 |
| Total risk-based capital ratio | 20.2121% | 1,895 |
| Memoranda: | ||
| Average total assets | $72,074,330 | 5,330 |
| Average earning assets | $67,372,330 | 5,287 |
| Average equity | $7,423,000 | 5,392 |
| Average total loans | $29,920,000 | 5,659 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3131% | 5,814 |
| Cost of funding earning assets | 0.4112% | 3,846 |
| Net interest margin | 2.9019% | 5,748 |
| Noninterest income to average assets | 0.1564% | 6,032 |
| Noninterest expense to average assets | 1.8655% | 6,119 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0110% | 2,172 |
| Return on assets (ROA) | 1.0110% | 2,238 |
| Pretax return on assets | 1.0110% | 3,284 |
| Return on Equity (ROE) | 9.9924% | 2,044 |
| Retained earnings to average equity (ytd only) | 1.7114% | 4,931 |
| Net charge-offs to loans | -0.0136% | 5,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8544% | 4,719 |
| Assets per employee ($millions) | 5.1234% | 2,098 |
| Cash dividends to net income (ytd only)* | 82.8729% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7942% | 548 |
| 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 | 40.1592% | 5,797 |
| Net loans and leases to deposits | 45.4639% | 5,888 |
| Net loans and leases to core deposits | 53.3990% | 5,540 |
| Total domestic deposits to total assets | 88.3321% | 2,036 |
| Equity capital to assets | 10.2430% | 3,549 |
| Core capital (leverage) ratio | 9.8788% | 3,746 |
| Tier 1 risk-based capital ratio | 19.2269% | 1,900 |
| Total risk-based capital ratio | 20.1866% | 1,945 |
| Memoranda: | ||
| Average total assets | $71,614,500 | 5,393 |
| Average earning assets | $67,128,000 | 5,350 |
| Average equity | $7,245,500 | 5,456 |
| Average total loans | $29,398,000 | 5,734 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3652% | 5,902 |
| Cost of funding earning assets | 0.4419% | 4,197 |
| Net interest margin | 2.9234% | 5,744 |
| Noninterest income to average assets | 0.1989% | 5,895 |
| Noninterest expense to average assets | 1.8678% | 6,230 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0554% | 2,093 |
| Return on assets (ROA) | 1.3053% | 1,276 |
| Pretax return on assets | 1.2968% | 2,170 |
| Return on Equity (ROE) | 12.7303% | 1,228 |
| Retained earnings to average equity (ytd only) | 7.8820% | 1,099 |
| Net charge-offs to loans | -0.0267% | 6,203 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0838% | 4,877 |
| Assets per employee ($millions) | 5.1073% | 2,060 |
| Cash dividends to net income (ytd only)* | 38.0849% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8358% | 568 |
| 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 | 39.6297% | 5,990 |
| Net loans and leases to deposits | 44.0431% | 6,119 |
| Net loans and leases to core deposits | 51.3287% | 5,851 |
| Total domestic deposits to total assets | 89.9793% | 1,090 |
| Equity capital to assets | 9.9913% | 3,788 |
| Core capital (leverage) ratio | 10.0151% | 3,542 |
| Tier 1 risk-based capital ratio | 19.5527% | 1,765 |
| Total risk-based capital ratio | 20.5573% | 1,797 |
| Memoranda: | ||
| Average total assets | $70,402,600 | 5,463 |
| Average earning assets | $65,404,400 | 5,424 |
| Average equity | $7,219,000 | 5,513 |
| Average total loans | $29,989,200 | 5,767 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3911% | 5,900 |
| Cost of funding earning assets | 0.4464% | 4,317 |
| Net interest margin | 2.9447% | 5,707 |
| Noninterest income to average assets | 0.2091% | 5,925 |
| Noninterest expense to average assets | 1.8100% | 6,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1446% | 1,836 |
| Return on assets (ROA) | 1.4792% | 977 |
| Pretax return on assets | 1.4678% | 1,704 |
| Return on Equity (ROE) | 14.3319% | 921 |
| Retained earnings to average equity (ytd only) | 10.6476% | 650 |
| Net charge-offs to loans | -0.0221% | 6,070 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4987% | 5,206 |
| Assets per employee ($millions) | 4.5815% | 2,752 |
| Cash dividends to net income (ytd only)* | 25.7069% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7710% | 691 |
| 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 | 42.0724% | 5,898 |
| Net loans and leases to deposits | 47.0566% | 6,033 |
| Net loans and leases to core deposits | 55.2323% | 5,685 |
| Total domestic deposits to total assets | 89.4080% | 1,354 |
| Equity capital to assets | 10.5003% | 3,276 |
| Core capital (leverage) ratio | 10.3212% | 3,210 |
| Tier 1 risk-based capital ratio | 18.7818% | 2,051 |
| Total risk-based capital ratio | 19.6857% | 2,135 |
| Memoranda: | ||
| Average total assets | $70,127,750 | 5,526 |
| Average earning assets | $65,110,000 | 5,484 |
| Average equity | $7,237,750 | 5,574 |
| Average total loans | $30,195,750 | 5,806 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3268% | 6,044 |
| Cost of funding earning assets | 0.4503% | 4,425 |
| Net interest margin | 2.8765% | 5,837 |
| Noninterest income to average assets | 0.2266% | 5,823 |
| Noninterest expense to average assets | 1.6998% | 6,495 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1870% | 1,626 |
| Return on assets (ROA) | 1.6856% | 699 |
| Pretax return on assets | 1.6856% | 1,145 |
| Return on Equity (ROE) | 16.4251% | 614 |
| Retained earnings to average equity (ytd only) | 12.2843% | 449 |
| Net charge-offs to loans | -0.0198% | 5,968 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8813% | 5,614 |
| Assets per employee ($millions) | 4.3169% | 3,145 |
| Cash dividends to net income (ytd only)* | 25.2101% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7289% | 766 |
| 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 | 42.4201% | 5,870 |
| Net loans and leases to deposits | 47.1463% | 6,037 |
| Net loans and leases to core deposits | 56.2693% | 5,576 |
| Total domestic deposits to total assets | 89.9755% | 1,035 |
| Equity capital to assets | 9.9231% | 4,014 |
| Core capital (leverage) ratio | 9.9952% | 3,532 |
| Tier 1 risk-based capital ratio | 17.4974% | 2,514 |
| Total risk-based capital ratio | 18.2813% | 2,673 |
| Memoranda: | ||
| Average total assets | $70,596,330 | 5,551 |
| Average earning assets | $65,287,670 | 5,519 |
| Average equity | $7,245,000 | 5,615 |
| Average total loans | $30,348,670 | 5,833 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3588% | 6,032 |
| Cost of funding earning assets | 0.4466% | 4,630 |
| Net interest margin | 2.9122% | 5,788 |
| Noninterest income to average assets | 0.2803% | 5,455 |
| Noninterest expense to average assets | 1.7657% | 6,475 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1049% | 1,837 |
| Return on assets (ROA) | 1.4854% | 965 |
| Pretax return on assets | 1.5920% | 1,323 |
| Return on Equity (ROE) | 14.2464% | 917 |
| Retained earnings to average equity (ytd only) | 6.1824% | 2,583 |
| Net charge-offs to loans | -0.0394% | 6,023 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8859% | 5,603 |
| Assets per employee ($millions) | 4.5115% | 2,950 |
| Cash dividends to net income (ytd only)* | 56.6038% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9674% | 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 | 37.2368% | 6,203 |
| Net loans and leases to deposits | 41.5865% | 6,344 |
| Net loans and leases to core deposits | 48.9653% | 6,033 |
| Total domestic deposits to total assets | 89.5406% | 1,336 |
| Equity capital to assets | 10.2668% | 3,835 |
| Core capital (leverage) ratio | 9.2994% | 4,399 |
| Tier 1 risk-based capital ratio | 15.7718% | 3,389 |
| Total risk-based capital ratio | 16.3917% | 3,697 |
| Memoranda: | ||
| Average total assets | $71,359,000 | 5,582 |
| Average earning assets | $65,380,000 | 5,564 |
| Average equity | $7,440,500 | 5,634 |
| Average total loans | $30,462,000 | 5,873 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5269% | 6,329 |
| Cost of funding earning assets | 0.6551% | 3,871 |
| Net interest margin | 2.8717% | 6,282 |
| Noninterest income to average assets | 0.1851% | 6,073 |
| Noninterest expense to average assets | 1.8625% | 6,537 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9214% | 2,701 |
| Return on assets (ROA) | 1.5357% | 937 |
| Pretax return on assets | 1.6381% | 1,288 |
| Return on Equity (ROE) | 14.8704% | 833 |
| Retained earnings to average equity (ytd only) | 6.7223% | 1,705 |
| Net charge-offs to loans | -0.0372% | 6,651 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4187% | 4,622 |
| Assets per employee ($millions) | 4.7023% | 2,642 |
| Cash dividends to net income (ytd only)* | 54.7945% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4652% | 1,162 |
| 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 | 45.9410% | 5,620 |
| Net loans and leases to deposits | 51.5060% | 5,846 |
| Net loans and leases to core deposits | 62.0838% | 5,146 |
| Total domestic deposits to total assets | 89.1953% | 1,436 |
| Equity capital to assets | 10.5906% | 3,409 |
| Core capital (leverage) ratio | 9.9331% | 3,495 |
| Tier 1 risk-based capital ratio | 16.7780% | 2,757 |
| Total risk-based capital ratio | 17.5775% | 2,938 |
| Memoranda: | ||
| Average total assets | $71,303,200 | 5,595 |
| Average earning assets | $66,092,200 | 5,547 |
| Average equity | $7,363,600 | 5,675 |
| Average total loans | $29,576,400 | 5,971 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3914% | 6,636 |
| Cost of funding earning assets | 0.6707% | 4,011 |
| Net interest margin | 2.7207% | 6,618 |
| Noninterest income to average assets | 0.1883% | 6,168 |
| Noninterest expense to average assets | 1.7064% | 6,783 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9672% | 2,673 |
| Return on assets (ROA) | 1.7754% | 667 |
| Pretax return on assets | 1.9003% | 871 |
| Return on Equity (ROE) | 17.3000% | 574 |
| Retained earnings to average equity (ytd only) | 9.1225% | 1,177 |
| Net charge-offs to loans | -0.0046% | 6,270 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3297% | 5,099 |
| Assets per employee ($millions) | 4.3751% | 3,113 |
| Cash dividends to net income (ytd only)* | 47.2694% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3577% | 1,422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 51.0522% | 5,182 |
| Net loans and leases to deposits | 60.5662% | 5,139 |
| Net loans and leases to core deposits | 75.1177% | 3,834 |
| Total domestic deposits to total assets | 84.2915% | 4,081 |
| Equity capital to assets | 11.5014% | 2,741 |
| Core capital (leverage) ratio | 9.9534% | 3,608 |
| Tier 1 risk-based capital ratio | 17.4950% | 2,543 |
| Total risk-based capital ratio | 18.3540% | 2,640 |
| Memoranda: | ||
| Average total assets | $71,495,500 | 5,649 |
| Average earning assets | $66,990,750 | 5,584 |
| Average equity | $7,337,000 | 5,735 |
| Average total loans | $28,664,750 | 6,081 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1578% | 6,904 |
| Cost of funding earning assets | 0.6869% | 4,128 |
| Net interest margin | 2.4710% | 6,915 |
| Noninterest income to average assets | 0.1879% | 6,224 |
| Noninterest expense to average assets | 1.5874% | 6,942 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8569% | 3,104 |
| Return on assets (ROA) | 2.0040% | 448 |
| Pretax return on assets | 2.1456% | 529 |
| Return on Equity (ROE) | 20.2569% | 336 |
| Retained earnings to average equity (ytd only) | 12.0000% | 584 |
| Net charge-offs to loans | -0.0224% | 6,452 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5076% | 4,981 |
| Assets per employee ($millions) | 4.4755% | 2,950 |
| Cash dividends to net income (ytd only)* | 40.7609% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5556% | 1,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 46.0623% | 5,820 |
| Net loans and leases to deposits | 53.2054% | 5,938 |
| Net loans and leases to core deposits | 66.1059% | 4,992 |
| Total domestic deposits to total assets | 86.5744% | 3,030 |
| Equity capital to assets | 10.9171% | 3,207 |
| Core capital (leverage) ratio | 9.4642% | 4,191 |
| Tier 1 risk-based capital ratio | 18.0623% | 2,272 |
| Total risk-based capital ratio | 19.3251% | 2,241 |
| Memoranda: | ||
| Average total assets | $73,451,670 | 5,621 |
| Average earning assets | $68,717,670 | 5,567 |
| Average equity | $7,266,670 | 5,769 |
| Average total loans | $26,782,000 | 6,220 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0072% | 7,043 |
| Cost of funding earning assets | 0.7197% | 4,111 |
| Net interest margin | 2.2875% | 7,061 |
| Noninterest income to average assets | 0.2036% | 6,171 |
| Noninterest expense to average assets | 1.5559% | 7,010 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7317% | 3,728 |
| Return on assets (ROA) | 2.2973% | 293 |
| Pretax return on assets | 2.4540% | 358 |
| Return on Equity (ROE) | 24.3245% | 205 |
| Retained earnings to average equity (ytd only) | 18.7962% | 221 |
| Net charge-offs to loans | -0.0329% | 6,384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3697% | 4,487 |
| Assets per employee ($millions) | 4.9957% | 2,261 |
| Cash dividends to net income (ytd only)* | 22.7273% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4542% | 553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 30.2124% | 6,901 |
| Net loans and leases to deposits | 33.5268% | 6,966 |
| Net loans and leases to core deposits | 42.1719% | 6,740 |
| Total domestic deposits to total assets | 90.1142% | 1,021 |
| Equity capital to assets | 9.6562% | 4,577 |
| Core capital (leverage) ratio | 8.2805% | 5,905 |
| Tier 1 risk-based capital ratio | 19.3455% | 1,886 |
| Total risk-based capital ratio | 20.6110% | 1,847 |
| Memoranda: | ||
| Average total assets | $76,611,000 | 5,575 |
| Average earning assets | $71,694,500 | 5,507 |
| Average equity | $7,235,500 | 5,801 |
| Average total loans | $24,306,000 | 6,404 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5788% | 6,947 |
| Cost of funding earning assets | 0.7255% | 5,370 |
| Net interest margin | 2.8533% | 6,757 |
| Noninterest income to average assets | 0.1951% | 6,105 |
| Noninterest expense to average assets | 1.7785% | 6,981 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0159% | 2,145 |
| Return on assets (ROA) | 1.1689% | 1,714 |
| Pretax return on assets | 1.2679% | 2,249 |
| Return on Equity (ROE) | 12.5620% | 1,266 |
| Retained earnings to average equity (ytd only) | 7.5526% | 1,254 |
| Net charge-offs to loans | -0.4376% | 7,272 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7530% | 5,495 |
| Assets per employee ($millions) | 5.2191% | 1,920 |
| Cash dividends to net income (ytd only)* | 39.8773% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2112% | 675 |
| Loan loss allowance to noncurrent loans | 7,345.4545% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 6,946 |
| Noncurrent loans to loans | 0.0437% | 6,713 |
| Net loans and leases to total assets | 31.1090% | 6,973 |
| Net loans and leases to deposits | 34.3711% | 7,035 |
| Net loans and leases to core deposits | 43.5134% | 6,832 |
| Total domestic deposits to total assets | 90.5092% | 717 |
| Equity capital to assets | 9.2418% | 5,225 |
| Core capital (leverage) ratio | 8.1917% | 6,016 |
| Tier 1 risk-based capital ratio | 16.6253% | 2,768 |
| Total risk-based capital ratio | 17.8861% | 2,726 |
| Memoranda: | ||
| Average total assets | $69,722,000 | 5,749 |
| Average earning assets | $65,609,000 | 5,676 |
| Average equity | $6,487,800 | 6,016 |
| Average total loans | $28,109,800 | 6,244 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7913% | 6,851 |
| Cost of funding earning assets | 0.7402% | 5,522 |
| Net interest margin | 3.0511% | 6,493 |
| Noninterest income to average assets | 0.2052% | 6,139 |
| Noninterest expense to average assets | 1.7421% | 7,050 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2378% | 1,547 |
| Return on assets (ROA) | 1.4323% | 1,165 |
| Pretax return on assets | 1.5428% | 1,538 |
| Return on Equity (ROE) | 15.3623% | 771 |
| Retained earnings to average equity (ytd only) | 8.4852% | 1,316 |
| Net charge-offs to loans | -0.5547% | 7,351 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6389% | 6,188 |
| Assets per employee ($millions) | 4.7821% | 2,500 |
| Cash dividends to net income (ytd only)* | 44.7654% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0722% | 818 |
| Loan loss allowance to noncurrent loans | 20,125.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 7,068 |
| Noncurrent loans to loans | 0.0153% | 6,909 |
| Net loans and leases to total assets | 35.4068% | 6,894 |
| Net loans and leases to deposits | 39.3401% | 6,999 |
| Net loans and leases to core deposits | 48.2778% | 6,748 |
| Total domestic deposits to total assets | 90.0017% | 864 |
| Equity capital to assets | 9.6986% | 4,782 |
| Core capital (leverage) ratio | 8.8564% | 5,172 |
| Tier 1 risk-based capital ratio | 17.1146% | 2,599 |
| Total risk-based capital ratio | 18.3779% | 2,553 |
| Memoranda: | ||
| Average total assets | $67,581,000 | 5,852 |
| Average earning assets | $63,582,000 | 5,786 |
| Average equity | $6,301,000 | 6,113 |
| Average total loans | $28,846,750 | 6,267 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8330% | 6,885 |
| Cost of funding earning assets | 0.7223% | 5,822 |
| Net interest margin | 3.1107% | 6,386 |
| Noninterest income to average assets | 0.2296% | 6,016 |
| Noninterest expense to average assets | 1.8339% | 7,038 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2297% | 1,498 |
| Return on assets (ROA) | 1.2297% | 1,572 |
| Pretax return on assets | 1.3233% | 2,068 |
| Return on Equity (ROE) | 13.3830% | 1,118 |
| Retained earnings to average equity (ytd only) | 2.6963% | 4,577 |
| Net charge-offs to loans | -0.6728% | 7,423 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0861% | 6,148 |
| Assets per employee ($millions) | 4.5034% | 2,828 |
| Cash dividends to net income (ytd only)* | 79.8526% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8327% | 1,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 39.8617% | 6,758 |
| Net loans and leases to deposits | 44.1868% | 6,917 |
| Net loans and leases to core deposits | 54.9878% | 6,492 |
| Total domestic deposits to total assets | 90.2118% | 857 |
| Equity capital to assets | 9.5217% | 4,787 |
| Core capital (leverage) ratio | 8.3372% | 5,811 |
| Tier 1 risk-based capital ratio | 16.9867% | 2,527 |
| Total risk-based capital ratio | 18.2511% | 2,495 |
| Memoranda: | ||
| Average total assets | $66,197,330 | 5,952 |
| Average earning assets | $62,301,000 | 5,880 |
| Average equity | $6,082,330 | 6,214 |
| Average total loans | $29,728,000 | 6,298 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7817% | 6,972 |
| Cost of funding earning assets | 0.7213% | 6,021 |
| Net interest margin | 3.0605% | 6,439 |
| Noninterest income to average assets | 0.2564% | 5,845 |
| Noninterest expense to average assets | 1.9047% | 6,979 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1416% | 1,696 |
| Return on assets (ROA) | 1.1416% | 1,740 |
| Pretax return on assets | 1.2271% | 2,283 |
| Return on Equity (ROE) | 12.6619% | 1,283 |
| Retained earnings to average equity (ytd only) | 4.1981% | 3,642 |
| Net charge-offs to loans | -0.8719% | 7,472 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8187% | 5,857 |
| Assets per employee ($millions) | 4.4901% | 2,909 |
| Cash dividends to net income (ytd only)* | 66.8449% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6572% | 1,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 40.9015% | 6,709 |
| Net loans and leases to deposits | 45.0212% | 6,912 |
| Net loans and leases to core deposits | 52.9118% | 6,628 |
| Total domestic deposits to total assets | 90.8496% | 700 |
| Equity capital to assets | 8.9574% | 5,271 |
| Core capital (leverage) ratio | 8.4582% | 5,533 |
| Tier 1 risk-based capital ratio | 15.3127% | 3,252 |
| Total risk-based capital ratio | 16.5714% | 3,210 |
| Memoranda: | ||
| Average total assets | $65,520,500 | 6,011 |
| Average earning assets | $61,559,500 | 5,954 |
| Average equity | $5,907,500 | 6,278 |
| Average total loans | $30,736,000 | 6,305 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4916% | 6,419 |
| Cost of funding earning assets | 0.8367% | 6,413 |
| Net interest margin | 3.6549% | 4,555 |
| Noninterest income to average assets | 0.2201% | 6,233 |
| Noninterest expense to average assets | 2.0449% | 6,952 |
| Loan and lease loss provision to assets | 0.1862% | 5,369 |
| Net operating income to assets | 1.3115% | 1,142 |
| Return on assets (ROA) | 1.6437% | 620 |
| Pretax return on assets | 1.7622% | 821 |
| Return on Equity (ROE) | 16.5756% | 518 |
| Retained earnings to average equity (ytd only) | 5.9065% | 1,876 |
| Net charge-offs to loans | 0.3900% | 4,087 |
| Credit loss provision to net charge-offs | 85.9375% | 5,289 |
| Earnings coverage of net charge-offs (x) | 7.3438% | 2,151 |
| Efficiency ratio | 56.2384% | 6,570 |
| Assets per employee ($millions) | 3.9806% | 3,826 |
| Cash dividends to net income (ytd only)* | 64.3666% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0650% | 2,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 51.0088% | 6,044 |
| Net loans and leases to deposits | 56.2321% | 6,423 |
| Net loans and leases to core deposits | 66.8237% | 5,798 |
| Total domestic deposits to total assets | 90.7111% | 741 |
| Equity capital to assets | 9.0785% | 5,027 |
| Core capital (leverage) ratio | 9.3140% | 3,987 |
| Tier 1 risk-based capital ratio | 14.6207% | 3,465 |
| Total risk-based capital ratio | 15.8772% | 3,429 |
| Memoranda: | ||
| Average total assets | $59,074,600 | 6,238 |
| Average earning assets | $55,214,200 | 6,164 |
| Average equity | $5,858,000 | 6,411 |
| Average total loans | $32,817,200 | 6,267 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5777% | 6,397 |
| Cost of funding earning assets | 0.8623% | 6,538 |
| Net interest margin | 3.7154% | 4,327 |
| Noninterest income to average assets | 0.2325% | 6,225 |
| Noninterest expense to average assets | 1.9589% | 7,120 |
| Loan and lease loss provision to assets | 0.2532% | 4,560 |
| Net operating income to assets | 1.3852% | 1,138 |
| Return on assets (ROA) | 1.8369% | 508 |
| Pretax return on assets | 1.9773% | 649 |
| Return on Equity (ROE) | 18.1040% | 476 |
| Retained earnings to average equity (ytd only) | 7.8950% | 1,455 |
| Net charge-offs to loans | 0.7985% | 2,449 |
| Credit loss provision to net charge-offs | 56.1224% | 5,783 |
| Earnings coverage of net charge-offs (x) | 3.8673% | 3,271 |
| Efficiency ratio | 52.8900% | 6,897 |
| Assets per employee ($millions) | 3.8949% | 4,044 |
| Cash dividends to net income (ytd only)* | 56.3916% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8691% | 2,577 |
| Loan loss allowance to noncurrent loans | 2,373.0769% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 7,236 |
| Noncurrent loans to loans | 0.0788% | 7,047 |
| Net loans and leases to total assets | 55.4464% | 5,627 |
| Net loans and leases to deposits | 62.1993% | 6,098 |
| Net loans and leases to core deposits | 75.3840% | 5,137 |
| Total domestic deposits to total assets | 89.1432% | 1,316 |
| Equity capital to assets | 10.4906% | 3,531 |
| Core capital (leverage) ratio | 9.6431% | 3,688 |
| Tier 1 risk-based capital ratio | 15.2882% | 3,110 |
| Total risk-based capital ratio | 16.5422% | 3,066 |
| Memoranda: | ||
| Average total assets | $57,921,000 | 6,352 |
| Average earning assets | $54,116,500 | 6,276 |
| Average equity | $5,877,000 | 6,490 |
| Average total loans | $32,728,500 | 6,351 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4886% | 6,734 |
| Cost of funding earning assets | 0.8518% | 6,752 |
| Net interest margin | 3.6368% | 4,650 |
| Noninterest income to average assets | 0.2459% | 6,154 |
| Noninterest expense to average assets | 1.8943% | 7,277 |
| Loan and lease loss provision to assets | 0.3809% | 3,430 |
| Net operating income to assets | 1.2731% | 1,379 |
| Return on assets (ROA) | 1.7627% | 566 |
| Pretax return on assets | 1.8977% | 736 |
| Return on Equity (ROE) | 17.5729% | 510 |
| Retained earnings to average equity (ytd only) | 8.0787% | 1,415 |
| Net charge-offs to loans | 1.2380% | 1,541 |
| Credit loss provision to net charge-offs | 54.4554% | 5,329 |
| Earnings coverage of net charge-offs (x) | 2.5050% | 3,749 |
| Efficiency ratio | 51.9468% | 7,075 |
| Assets per employee ($millions) | 3.8899% | 4,005 |
| Cash dividends to net income (ytd only)* | 54.0275% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8267% | 2,646 |
| Loan loss allowance to noncurrent loans | 814.6667% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.1285% | 7,070 |
| Noncurrent loans to loans | 0.2242% | 6,798 |
| Net loans and leases to total assets | 56.2769% | 5,663 |
| Net loans and leases to deposits | 62.8507% | 6,149 |
| Net loans and leases to core deposits | 76.0415% | 5,191 |
| Total domestic deposits to total assets | 89.5405% | 1,152 |
| Equity capital to assets | 10.1510% | 3,832 |
| Core capital (leverage) ratio | 9.7268% | 3,501 |
| Tier 1 risk-based capital ratio | 14.6338% | 3,363 |
| Total risk-based capital ratio | 15.8878% | 3,337 |
| Memoranda: | ||
| Average total assets | $57,753,330 | 6,396 |
| Average earning assets | $54,004,000 | 6,324 |
| Average equity | $5,793,000 | 6,533 |
| Average total loans | $32,634,330 | 6,399 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4761% | 6,835 |
| Cost of funding earning assets | 0.8355% | 6,986 |
| Net interest margin | 3.6406% | 4,536 |
| Noninterest income to average assets | 0.2924% | 5,806 |
| Noninterest expense to average assets | 1.9354% | 7,275 |
| Loan and lease loss provision to assets | 0.7658% | 1,656 |
| Net operating income to assets | 0.9177% | 2,480 |
| Return on assets (ROA) | 1.7335% | 629 |
| Pretax return on assets | 1.8658% | 782 |
| Return on Equity (ROE) | 17.3883% | 572 |
| Retained earnings to average equity (ytd only) | 17.3883% | 269 |
| Net charge-offs to loans | 2.5320% | 644 |
| Credit loss provision to net charge-offs | 53.9216% | 4,421 |
| Earnings coverage of net charge-offs (x) | 1.2353% | 4,024 |
| Efficiency ratio | 52.4528% | 7,106 |
| Assets per employee ($millions) | 3.6910% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0489% | 2,066 |
| Loan loss allowance to noncurrent loans | 661.9565% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 7,059 |
| Noncurrent loans to loans | 0.3095% | 6,706 |
| Net loans and leases to total assets | 52.5856% | 6,208 |
| Net loans and leases to deposits | 58.9412% | 6,559 |
| Net loans and leases to core deposits | 72.0965% | 5,700 |
| Total domestic deposits to total assets | 89.2170% | 1,410 |
| Equity capital to assets | 10.4759% | 3,270 |
| Core capital (leverage) ratio | 9.7809% | 3,419 |
| Tier 1 risk-based capital ratio | 15.8180% | 2,720 |
| Total risk-based capital ratio | 17.0732% | 2,659 |
| Memoranda: | ||
| Average total assets | $57,455,500 | 6,485 |
| Average earning assets | $53,618,000 | 6,409 |
| Average equity | $5,728,000 | 6,605 |
| Average total loans | $32,227,500 | 6,504 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6398% | 7,222 |
| Cost of funding earning assets | 0.9379% | 7,332 |
| Net interest margin | 3.7018% | 4,139 |
| Noninterest income to average assets | 0.1857% | 6,761 |
| Noninterest expense to average assets | 2.0842% | 7,216 |
| Loan and lease loss provision to assets | 0.1244% | 6,394 |
| Net operating income to assets | 1.3222% | 988 |
| Return on assets (ROA) | 1.7724% | 400 |
| Pretax return on assets | 1.9034% | 504 |
| Return on Equity (ROE) | 19.1145% | 298 |
| Retained earnings to average equity (ytd only) | 4.8099% | 1,920 |
| Net charge-offs to loans | -0.0180% | 7,779 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4497% | 6,840 |
| Assets per employee ($millions) | 3.9697% | 3,877 |
| Cash dividends to net income (ytd only)* | 74.8363% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0241% | 1,970 |
| Loan loss allowance to noncurrent loans | 93.2361% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 1.2662% | 4,554 |
| Noncurrent loans to loans | 2.1709% | 3,422 |
| Net loans and leases to total assets | 57.1474% | 5,793 |
| Net loans and leases to deposits | 64.2069% | 6,238 |
| Net loans and leases to core deposits | 85.7175% | 5,545 |
| Total domestic deposits to total assets | 89.0051% | 1,483 |
| Equity capital to assets | 9.4985% | 4,411 |
| Core capital (leverage) ratio | 9.0632% | 4,319 |
| Tier 1 risk-based capital ratio | 13.9290% | 3,550 |
| Total risk-based capital ratio | 15.1855% | 3,495 |
| Memoranda: | ||
| Average total assets | $60,312,000 | 6,339 |
| Average earning assets | $56,080,200 | 6,287 |
| Average equity | $5,592,600 | 6,747 |
| Average total loans | $27,826,600 | 6,749 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6416% | 7,362 |
| Cost of funding earning assets | 0.9606% | 7,463 |
| Net interest margin | 3.6810% | 4,156 |
| Noninterest income to average assets | 0.1851% | 6,899 |
| Noninterest expense to average assets | 1.8621% | 7,593 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.6132% | 651 |
| Return on assets (ROA) | 1.9370% | 359 |
| Pretax return on assets | 2.0913% | 454 |
| Return on Equity (ROE) | 21.0153% | 257 |
| Retained earnings to average equity (ytd only) | 6.0727% | 1,914 |
| Net charge-offs to loans | -0.0153% | 7,732 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6504% | 7,438 |
| Assets per employee ($millions) | 3.9042% | 3,930 |
| Cash dividends to net income (ytd only)* | 71.1034% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1744% | 1,465 |
| Loan loss allowance to noncurrent loans | 169.1892% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.6318% | 5,870 |
| Noncurrent loans to loans | 1.2852% | 4,791 |
| Net loans and leases to total assets | 48.0918% | 6,944 |
| Net loans and leases to deposits | 54.4127% | 7,181 |
| Net loans and leases to core deposits | 73.7876% | 6,741 |
| Total domestic deposits to total assets | 88.3835% | 1,483 |
| Equity capital to assets | 10.0490% | 4,025 |
| Core capital (leverage) ratio | 8.8952% | 4,818 |
| Tier 1 risk-based capital ratio | 16.0540% | 2,606 |
| Total risk-based capital ratio | 17.3126% | 2,538 |
| Memoranda: | ||
| Average total assets | $60,503,500 | 6,373 |
| Average earning assets | $56,215,000 | 6,324 |
| Average equity | $5,576,750 | 6,821 |
| Average total loans | $26,100,250 | 6,914 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5554% | 7,581 |
| Cost of funding earning assets | 0.9888% | 7,566 |
| Net interest margin | 3.5666% | 4,512 |
| Noninterest income to average assets | 0.1766% | 7,033 |
| Noninterest expense to average assets | 1.8021% | 7,740 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5551% | 746 |
| Return on assets (ROA) | 1.7498% | 557 |
| Pretax return on assets | 1.8872% | 716 |
| Return on Equity (ROE) | 19.5469% | 365 |
| Retained earnings to average equity (ytd only) | 3.1056% | 3,586 |
| Net charge-offs to loans | -0.0159% | 7,662 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7857% | 7,531 |
| Assets per employee ($millions) | 3.9775% | 3,722 |
| Cash dividends to net income (ytd only)* | 84.1121% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4764% | 924 |
| Loan loss allowance to noncurrent loans | 169.3767% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.6185% | 5,872 |
| Noncurrent loans to loans | 1.4621% | 4,301 |
| Net loans and leases to total assets | 41.2534% | 7,491 |
| Net loans and leases to deposits | 45.6193% | 7,651 |
| Net loans and leases to core deposits | 58.5452% | 7,502 |
| Total domestic deposits to total assets | 90.4296% | 656 |
| Equity capital to assets | 9.1682% | 5,069 |
| Core capital (leverage) ratio | 8.5124% | 5,428 |
| Tier 1 risk-based capital ratio | 16.2312% | 2,540 |
| Total risk-based capital ratio | 17.4887% | 2,481 |
| Memoranda: | ||
| Average total assets | $61,150,330 | 6,405 |
| Average earning assets | $56,636,330 | 6,361 |
| Average equity | $5,474,000 | 6,909 |
| Average total loans | $25,203,670 | 7,017 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6077% | 7,616 |
| Cost of funding earning assets | 1.0568% | 7,588 |
| Net interest margin | 3.5509% | 4,524 |
| Noninterest income to average assets | 0.1616% | 7,151 |
| Noninterest expense to average assets | 1.7191% | 7,804 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5735% | 820 |
| Return on assets (ROA) | 1.9582% | 428 |
| Pretax return on assets | 2.1133% | 529 |
| Return on Equity (ROE) | 22.1329% | 303 |
| Retained earnings to average equity (ytd only) | 5.6976% | 2,781 |
| Net charge-offs to loans | -0.0318% | 7,571 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2836% | 7,572 |
| Assets per employee ($millions) | 4.2058% | 3,253 |
| Cash dividends to net income (ytd only)* | 74.2574% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7134% | 619 |
| Loan loss allowance to noncurrent loans | 961.5385% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 7,279 |
| Noncurrent loans to loans | 0.2822% | 6,731 |
| Net loans and leases to total assets | 35.5208% | 7,748 |
| Net loans and leases to deposits | 39.0762% | 7,871 |
| Net loans and leases to core deposits | 48.4247% | 7,825 |
| Total domestic deposits to total assets | 90.9015% | 446 |
| Equity capital to assets | 8.7546% | 5,689 |
| Core capital (leverage) ratio | 8.0345% | 6,401 |
| Tier 1 risk-based capital ratio | 16.0639% | 2,670 |
| Total risk-based capital ratio | 17.3227% | 2,602 |
| Memoranda: | ||
| Average total assets | $61,894,000 | 6,403 |
| Average earning assets | $56,775,000 | 6,386 |
| Average equity | $5,476,000 | 6,954 |
| Average total loans | $25,186,500 | 7,054 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7569% | 6,570 |
| Cost of funding earning assets | 1.5444% | 7,541 |
| Net interest margin | 4.2125% | 2,270 |
| Noninterest income to average assets | 0.2266% | 6,815 |
| Noninterest expense to average assets | 1.9180% | 7,584 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.0002% | 352 |
| Return on assets (ROA) | 2.0251% | 315 |
| Pretax return on assets | 2.1750% | 423 |
| Return on Equity (ROE) | 24.3939% | 161 |
| Retained earnings to average equity (ytd only) | 20.6327% | 29 |
| Net charge-offs to loans | 0.0041% | 6,934 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 1,204.0000% | 35 |
| Efficiency ratio | 47.1698% | 7,864 |
| Assets per employee ($millions) | 4.0467% | 3,419 |
| Cash dividends to net income (ytd only)* | 15.4185% | 4,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2788% | 876 |
| Loan loss allowance to noncurrent loans | 759.7561% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 7,039 |
| Noncurrent loans to loans | 0.2999% | 6,481 |
| Net loans and leases to total assets | 44.0125% | 7,465 |
| Net loans and leases to deposits | 48.5260% | 7,690 |
| Net loans and leases to core deposits | 60.0049% | 7,589 |
| Total domestic deposits to total assets | 90.6987% | 425 |
| Equity capital to assets | 8.9438% | 5,439 |
| Core capital (leverage) ratio | 8.5663% | 5,454 |
| Tier 1 risk-based capital ratio | 14.6570% | 3,226 |
| Total risk-based capital ratio | 15.9130% | 3,144 |
| Memoranda: | ||
| Average total assets | $56,047,000 | 6,526 |
| Average earning assets | $51,086,200 | 6,551 |
| Average equity | $4,652,800 | 7,275 |
| Average total loans | $24,357,400 | 7,064 |