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 | 3.7129% | 4,374 |
| Cost of funding earning assets | 1.0484% | 3,942 |
| Net interest margin | 2.6645% | 3,883 |
| Noninterest income to average assets | 0.0700% | 4,241 |
| Noninterest expense to average assets | 1.1895% | 4,346 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 1.4662% | 1,148 |
| Return on assets (ROA) | 1.4662% | 1,144 |
| Pretax return on assets | 1.4662% | 1,591 |
| Return on Equity (ROE) | 23.6000% | 240 |
| Retained earnings to average equity (ytd only) | 3.5948% | 2,949 |
| Net charge-offs to loans | 0.0490% | 1,172 |
| Credit loss provision to net charge-offs | 100.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 101.6667% | 691 |
| Efficiency ratio | 44.5455% | 4,152 |
| Assets per employee ($millions) | 16.2761% | 172 |
| Cash dividends to net income (ytd only)* | 84.7682% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3351% | 4,329 |
| Loan loss allowance to noncurrent loans | 339.5833% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 3,475 |
| Noncurrent loans to loans | 0.0987% | 3,169 |
| Net loans and leases to total assets | 33.1000% | 4,142 |
| Net loans and leases to deposits | 35.7651% | 4,196 |
| Net loans and leases to core deposits | 38.4148% | 4,189 |
| Total domestic deposits to total assets | 92.5400% | 189 |
| Equity capital to assets | 7.2635% | 3,933 |
| Core capital (leverage) ratio | 9.3920% | 3,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2599% | 448 |
| Memoranda: | ||
| Average total assets | $164,778,000 | 3,262 |
| Average earning assets | $160,630,500 | 3,201 |
| Average equity | $10,237,000 | 3,767 |
| Average total loans | $48,992,500 | 3,833 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8839% | 4,329 |
| Cost of funding earning assets | 1.1345% | 3,895 |
| Net interest margin | 2.7494% | 3,556 |
| Noninterest income to average assets | 0.0900% | 4,243 |
| Noninterest expense to average assets | 1.4382% | 4,294 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.3184% | 1,246 |
| Return on assets (ROA) | 1.3184% | 1,248 |
| Pretax return on assets | 1.3184% | 1,705 |
| Return on Equity (ROE) | 20.6900% | 362 |
| Retained earnings to average equity (ytd only) | 13.5349% | 200 |
| Net charge-offs to loans | 0.0020% | 2,957 |
| Credit loss provision to net charge-offs | 600.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 1,866.0000% | 62 |
| Efficiency ratio | 52.0924% | 3,876 |
| Assets per employee ($millions) | 20.3412% | 101 |
| Cash dividends to net income (ytd only)* | 34.5699% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3304% | 4,353 |
| 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 | 26.8600% | 4,259 |
| Net loans and leases to deposits | 28.4279% | 4,294 |
| Net loans and leases to core deposits | 30.1387% | 4,282 |
| Total domestic deposits to total assets | 94.4900% | 79 |
| Equity capital to assets | 5.3717% | 4,302 |
| Core capital (leverage) ratio | 10.1080% | 2,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1535% | 746 |
| Memoranda: | ||
| Average total assets | $141,083,600 | 3,439 |
| Average earning assets | $137,157,400 | 3,366 |
| Average equity | $8,991,600 | 3,865 |
| Average total loans | $51,260,200 | 3,793 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1564% | 4,189 |
| Cost of funding earning assets | 1.1658% | 3,860 |
| Net interest margin | 2.9906% | 3,113 |
| Noninterest income to average assets | 0.0900% | 4,255 |
| Noninterest expense to average assets | 1.5050% | 4,257 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 1.4835% | 956 |
| Return on assets (ROA) | 1.4835% | 958 |
| Pretax return on assets | 1.4835% | 1,335 |
| Return on Equity (ROE) | 22.0600% | 304 |
| Retained earnings to average equity (ytd only) | 14.9562% | 239 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 50.2215% | 3,979 |
| Assets per employee ($millions) | 15.0049% | 214 |
| Cash dividends to net income (ytd only)* | 32.2092% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3307% | 4,390 |
| 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 | 37.0500% | 4,114 |
| Net loans and leases to deposits | 40.2808% | 4,188 |
| Net loans and leases to core deposits | 44.0498% | 4,169 |
| Total domestic deposits to total assets | 91.9800% | 181 |
| Equity capital to assets | 7.7804% | 3,840 |
| Core capital (leverage) ratio | 10.2278% | 2,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9193% | 692 |
| Memoranda: | ||
| Average total assets | $130,586,750 | 3,528 |
| Average earning assets | $126,838,250 | 3,477 |
| Average equity | $8,781,000 | 3,902 |
| Average total loans | $51,740,000 | 3,797 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1582% | 4,167 |
| Cost of funding earning assets | 1.2435% | 3,723 |
| Net interest margin | 2.9147% | 3,225 |
| Noninterest income to average assets | 0.0900% | 4,266 |
| Noninterest expense to average assets | 1.5027% | 4,274 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 1.3881% | 1,102 |
| Return on assets (ROA) | 1.3881% | 1,112 |
| Pretax return on assets | 1.3881% | 1,505 |
| Return on Equity (ROE) | 21.8400% | 342 |
| Retained earnings to average equity (ytd only) | 14.6972% | 303 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 51.5409% | 3,924 |
| Assets per employee ($millions) | 13.1741% | 303 |
| Cash dividends to net income (ytd only)* | 32.7009% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3313% | 4,409 |
| 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 | 39.7400% | 4,045 |
| Net loans and leases to deposits | 42.6571% | 4,144 |
| Net loans and leases to core deposits | 46.5128% | 4,117 |
| Total domestic deposits to total assets | 93.1600% | 131 |
| Equity capital to assets | 6.5864% | 4,076 |
| Core capital (leverage) ratio | 10.0869% | 2,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6328% | 494 |
| Memoranda: | ||
| Average total assets | $129,101,000 | 3,555 |
| Average earning assets | $125,294,333 | 3,501 |
| Average equity | $8,205,667 | 3,953 |
| Average total loans | $52,253,333 | 3,808 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9868% | 4,264 |
| Cost of funding earning assets | 1.2859% | 3,582 |
| Net interest margin | 2.7009% | 3,564 |
| Noninterest income to average assets | 0.0800% | 4,292 |
| Noninterest expense to average assets | 1.4900% | 4,294 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 1.1739% | 1,501 |
| Return on assets (ROA) | 1.1739% | 1,511 |
| Pretax return on assets | 1.1739% | 1,956 |
| Return on Equity (ROE) | 18.8200% | 535 |
| Retained earnings to average equity (ytd only) | 11.4931% | 832 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 55.1564% | 3,669 |
| Assets per employee ($millions) | 12.3163% | 389 |
| Cash dividends to net income (ytd only)* | 38.9333% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3312% | 4,398 |
| 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 | 37.7600% | 4,094 |
| Net loans and leases to deposits | 40.2394% | 4,175 |
| Net loans and leases to core deposits | 43.9920% | 4,204 |
| Total domestic deposits to total assets | 93.8400% | 133 |
| Equity capital to assets | 5.9249% | 4,224 |
| Core capital (leverage) ratio | 10.5203% | 2,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9868% | 544 |
| Memoranda: | ||
| Average total assets | $127,781,000 | 3,582 |
| Average earning assets | $123,809,000 | 3,520 |
| Average equity | $7,970,000 | 3,993 |
| Average total loans | $52,116,500 | 3,822 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7016% | 4,211 |
| Cost of funding earning assets | 0.9263% | 3,212 |
| Net interest margin | 2.7753% | 3,766 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 1.4807% | 4,326 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.2667% | 1,615 |
| Return on assets (ROA) | 1.2667% | 1,604 |
| Pretax return on assets | 1.2667% | 2,126 |
| Return on Equity (ROE) | 23.3100% | 470 |
| Retained earnings to average equity (ytd only) | 13.9658% | 676 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.4001% | 3,640 |
| Assets per employee ($millions) | 10.3364% | 605 |
| Cash dividends to net income (ytd only)* | 40.0913% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2918% | 4,445 |
| 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 | 45.6800% | 3,846 |
| Net loans and leases to deposits | 48.4016% | 3,992 |
| Net loans and leases to core deposits | 49.5430% | 4,054 |
| Total domestic deposits to total assets | 94.3700% | 157 |
| Equity capital to assets | 5.3483% | 4,183 |
| Core capital (leverage) ratio | 11.0088% | 1,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3507% | 600 |
| Memoranda: | ||
| Average total assets | $115,259,500 | 3,706 |
| Average earning assets | $111,839,250 | 3,639 |
| Average equity | $6,262,750 | 4,142 |
| Average total loans | $46,106,000 | 3,909 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5980% | 4,252 |
| Cost of funding earning assets | 0.8367% | 3,110 |
| Net interest margin | 2.7612% | 3,887 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 1.4597% | 4,364 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2973% | 1,578 |
| Return on assets (ROA) | 1.2973% | 1,565 |
| Pretax return on assets | 1.2973% | 2,087 |
| Return on Equity (ROE) | 23.7500% | 444 |
| Retained earnings to average equity (ytd only) | 14.4860% | 623 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.9781% | 3,700 |
| Assets per employee ($millions) | 10.7347% | 545 |
| Cash dividends to net income (ytd only)* | 39.0146% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2893% | 4,482 |
| 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 | 37.9400% | 4,119 |
| Net loans and leases to deposits | 40.3454% | 4,206 |
| Net loans and leases to core deposits | 41.0714% | 4,236 |
| Total domestic deposits to total assets | 94.0500% | 148 |
| Equity capital to assets | 5.7274% | 4,226 |
| Core capital (leverage) ratio | 10.4773% | 2,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8106% | 990 |
| Memoranda: | ||
| Average total assets | $115,779,333 | 3,719 |
| Average earning assets | $112,341,333 | 3,649 |
| Average equity | $6,323,333 | 4,159 |
| Average total loans | $44,113,000 | 3,955 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4197% | 4,358 |
| Cost of funding earning assets | 0.7271% | 2,963 |
| Net interest margin | 2.6925% | 4,082 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.4412% | 4,437 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2458% | 1,806 |
| Return on assets (ROA) | 1.2458% | 1,780 |
| Pretax return on assets | 1.2458% | 2,312 |
| Return on Equity (ROE) | 23.4000% | 485 |
| Retained earnings to average equity (ytd only) | 13.8281% | 962 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.5668% | 3,645 |
| Assets per employee ($millions) | 10.4568% | 599 |
| Cash dividends to net income (ytd only)* | 40.8964% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2984% | 4,539 |
| 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 | 38.0600% | 4,114 |
| Net loans and leases to deposits | 40.4797% | 4,213 |
| Net loans and leases to core deposits | 40.8434% | 4,249 |
| Total domestic deposits to total assets | 94.0200% | 166 |
| Equity capital to assets | 5.8048% | 4,262 |
| Core capital (leverage) ratio | 10.7979% | 1,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1242% | 977 |
| Memoranda: | ||
| Average total assets | $114,628,000 | 3,773 |
| Average earning assets | $111,122,000 | 3,709 |
| Average equity | $6,103,500 | 4,232 |
| Average total loans | $43,701,500 | 4,001 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7832% | 4,341 |
| Cost of funding earning assets | 0.2942% | 2,925 |
| Net interest margin | 2.4890% | 4,299 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 1.3659% | 4,529 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.0902% | 2,222 |
| Return on assets (ROA) | 1.0902% | 2,160 |
| Pretax return on assets | 1.0902% | 2,804 |
| Return on Equity (ROE) | 16.4900% | 964 |
| Retained earnings to average equity (ytd only) | 8.4368% | 1,663 |
| Net charge-offs to loans | 0.0025% | 2,418 |
| Credit loss provision to net charge-offs | 2,300.0000% | 232 |
| Earnings coverage of net charge-offs (x) | 1,221.0000% | 146 |
| Efficiency ratio | 55.1433% | 3,667 |
| Assets per employee ($millions) | 11.4231% | 457 |
| Cash dividends to net income (ytd only)* | 48.8314% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2989% | 4,550 |
| 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 | 37.9600% | 4,143 |
| Net loans and leases to deposits | 39.9539% | 4,246 |
| Net loans and leases to core deposits | 40.3116% | 4,273 |
| Total domestic deposits to total assets | 95.0200% | 135 |
| Equity capital to assets | 4.8411% | 4,397 |
| Core capital (leverage) ratio | 11.2103% | 1,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6751% | 1,026 |
| Memoranda: | ||
| Average total assets | $109,887,200 | 3,837 |
| Average earning assets | $105,705,000 | 3,777 |
| Average equity | $7,265,800 | 4,181 |
| Average total loans | $39,815,000 | 4,070 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6766% | 4,306 |
| Cost of funding earning assets | 0.2103% | 3,142 |
| Net interest margin | 2.4663% | 4,238 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 1.3639% | 4,538 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.0637% | 2,237 |
| Return on assets (ROA) | 1.0637% | 2,199 |
| Pretax return on assets | 1.0637% | 2,835 |
| Return on Equity (ROE) | 15.0300% | 1,168 |
| Retained earnings to average equity (ytd only) | 8.9524% | 1,666 |
| Net charge-offs to loans | 0.0034% | 2,098 |
| Credit loss provision to net charge-offs | 2,100.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 889.0000% | 177 |
| Efficiency ratio | 55.5944% | 3,664 |
| Assets per employee ($millions) | 10.9215% | 505 |
| Cash dividends to net income (ytd only)* | 40.4378% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3046% | 4,586 |
| Loan loss allowance to noncurrent loans | 457.1429% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 3,679 |
| Noncurrent loans to loans | 0.0666% | 3,401 |
| Net loans and leases to total assets | 38.3600% | 4,134 |
| Net loans and leases to deposits | 40.2087% | 4,229 |
| Net loans and leases to core deposits | 40.5838% | 4,262 |
| Total domestic deposits to total assets | 95.3900% | 180 |
| Equity capital to assets | 4.3932% | 4,420 |
| Core capital (leverage) ratio | 10.9092% | 1,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1196% | 1,153 |
| Memoranda: | ||
| Average total assets | $108,801,250 | 3,868 |
| Average earning assets | $104,606,750 | 3,810 |
| Average equity | $7,699,750 | 4,169 |
| Average total loans | $38,894,750 | 4,104 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5273% | 4,354 |
| Cost of funding earning assets | 0.1360% | 3,761 |
| Net interest margin | 2.3913% | 4,237 |
| Noninterest income to average assets | 0.0773% | 4,566 |
| Noninterest expense to average assets | 1.3970% | 4,532 |
| Loan and lease loss provision to assets | 0.0258% | 2,138 |
| Net operating income to assets | 0.9516% | 2,356 |
| Return on assets (ROA) | 0.9516% | 2,326 |
| Pretax return on assets | 0.9516% | 2,893 |
| Return on Equity (ROE) | 11.9303% | 1,684 |
| Retained earnings to average equity (ytd only) | 6.5305% | 2,165 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8372% | 3,456 |
| Assets per employee ($millions) | 11.3364% | 455 |
| Cash dividends to net income (ytd only)* | 45.2611% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3038% | 4,659 |
| 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 | 35.3110% | 4,279 |
| Net loans and leases to deposits | 37.5985% | 4,351 |
| Net loans and leases to core deposits | 38.4007% | 4,374 |
| Total domestic deposits to total assets | 93.9161% | 296 |
| Equity capital to assets | 5.9075% | 4,229 |
| Core capital (leverage) ratio | 10.1745% | 2,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6233% | 1,050 |
| Memoranda: | ||
| Average total assets | $108,663,333 | 3,905 |
| Average earning assets | $104,379,667 | 3,866 |
| Average equity | $8,667,000 | 4,133 |
| Average total loans | $37,853,333 | 4,178 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4193% | 4,358 |
| Cost of funding earning assets | 0.1096% | 4,021 |
| Net interest margin | 2.3097% | 4,223 |
| Noninterest income to average assets | 0.0790% | 4,578 |
| Noninterest expense to average assets | 1.4109% | 4,529 |
| Loan and lease loss provision to assets | 0.0263% | 1,891 |
| Net operating income to assets | 0.8616% | 2,444 |
| Return on assets (ROA) | 0.8616% | 2,435 |
| Pretax return on assets | 0.8616% | 2,906 |
| Return on Equity (ROE) | 9.4903% | 2,156 |
| Retained earnings to average equity (ytd only) | 4.6415% | 2,724 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3748% | 3,339 |
| Assets per employee ($millions) | 10.7094% | 554 |
| Cash dividends to net income (ytd only)* | 51.0917% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3039% | 4,685 |
| 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 | 35.2307% | 4,254 |
| Net loans and leases to deposits | 38.1798% | 4,318 |
| Net loans and leases to core deposits | 39.1825% | 4,333 |
| Total domestic deposits to total assets | 92.2759% | 479 |
| Equity capital to assets | 7.5616% | 3,888 |
| Core capital (leverage) ratio | 10.6575% | 1,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4321% | 464 |
| Memoranda: | ||
| Average total assets | $106,313,000 | 3,953 |
| Average earning assets | $102,177,500 | 3,913 |
| Average equity | $9,652,000 | 4,097 |
| Average total loans | $36,704,000 | 4,214 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6435% | 4,367 |
| Cost of funding earning assets | 0.1193% | 4,228 |
| Net interest margin | 2.5242% | 4,159 |
| Noninterest income to average assets | 0.0859% | 4,650 |
| Noninterest expense to average assets | 1.2308% | 4,702 |
| Loan and lease loss provision to assets | -0.0020% | 4,137 |
| Net operating income to assets | 1.1930% | 1,943 |
| Return on assets (ROA) | 1.1930% | 2,004 |
| Pretax return on assets | 1.1930% | 2,685 |
| Return on Equity (ROE) | 10.2489% | 2,433 |
| Retained earnings to average equity (ytd only) | 5.1113% | 2,743 |
| Net charge-offs to loans | 0.0055% | 2,385 |
| Credit loss provision to net charge-offs | -100.0000% | 3,359 |
| Earnings coverage of net charge-offs (x) | 582.5000% | 244 |
| Efficiency ratio | 41.4099% | 4,651 |
| Assets per employee ($millions) | 13.1915% | 296 |
| Cash dividends to net income (ytd only)* | 50.1285% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3037% | 4,729 |
| 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 | 33.5964% | 4,388 |
| Net loans and leases to deposits | 37.6496% | 4,422 |
| Net loans and leases to core deposits | 38.2710% | 4,451 |
| Total domestic deposits to total assets | 89.2345% | 1,392 |
| Equity capital to assets | 10.6186% | 2,075 |
| Core capital (leverage) ratio | 11.2797% | 1,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9683% | 445 |
| Memoranda: | ||
| Average total assets | $97,822,400 | 4,016 |
| Average earning assets | $90,522,600 | 4,013 |
| Average equity | $11,386,600 | 3,993 |
| Average total loans | $36,136,800 | 4,266 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7163% | 4,389 |
| Cost of funding earning assets | 0.1261% | 4,301 |
| Net interest margin | 2.5902% | 4,146 |
| Noninterest income to average assets | 0.0876% | 4,712 |
| Noninterest expense to average assets | 1.2124% | 4,783 |
| Loan and lease loss provision to assets | -0.0042% | 4,302 |
| Net operating income to assets | 1.2499% | 1,990 |
| Return on assets (ROA) | 1.2499% | 2,054 |
| Pretax return on assets | 1.2499% | 2,773 |
| Return on Equity (ROE) | 10.4852% | 2,560 |
| Retained earnings to average equity (ytd only) | 5.3650% | 3,081 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3213% | 4,275 |
| Assets per employee ($millions) | 14.6979% | 219 |
| Cash dividends to net income (ytd only)* | 48.8320% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3047% | 4,812 |
| 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 | 34.6601% | 4,440 |
| Net loans and leases to deposits | 39.0559% | 4,487 |
| Net loans and leases to core deposits | 39.7206% | 4,522 |
| Total domestic deposits to total assets | 88.7447% | 1,433 |
| Equity capital to assets | 11.0609% | 1,973 |
| Core capital (leverage) ratio | 11.0978% | 1,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3967% | 464 |
| Memoranda: | ||
| Average total assets | $95,895,000 | 4,084 |
| Average earning assets | $87,765,000 | 4,098 |
| Average equity | $11,431,750 | 4,041 |
| Average total loans | $36,280,250 | 4,321 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7924% | 4,350 |
| Cost of funding earning assets | 0.1349% | 4,318 |
| Net interest margin | 2.6575% | 4,067 |
| Noninterest income to average assets | 0.0812% | 4,755 |
| Noninterest expense to average assets | 1.2419% | 4,809 |
| Loan and lease loss provision to assets | -0.0021% | 4,382 |
| Net operating income to assets | 1.2419% | 2,049 |
| Return on assets (ROA) | 1.2419% | 2,112 |
| Pretax return on assets | 1.2419% | 2,796 |
| Return on Equity (ROE) | 10.1494% | 2,697 |
| Retained earnings to average equity (ytd only) | 5.0485% | 3,163 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0431% | 4,236 |
| Assets per employee ($millions) | 14.3950% | 215 |
| Cash dividends to net income (ytd only)* | 50.2582% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3036% | 4,845 |
| 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 | 36.1743% | 4,457 |
| Net loans and leases to deposits | 40.8593% | 4,495 |
| Net loans and leases to core deposits | 41.5709% | 4,530 |
| Total domestic deposits to total assets | 88.5337% | 1,548 |
| Equity capital to assets | 11.2996% | 1,751 |
| Core capital (leverage) ratio | 11.7011% | 1,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7259% | 444 |
| Memoranda: | ||
| Average total assets | $93,565,000 | 4,131 |
| Average earning assets | $84,514,667 | 4,146 |
| Average equity | $11,449,000 | 4,053 |
| Average total loans | $36,450,667 | 4,347 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0194% | 4,034 |
| Cost of funding earning assets | 0.1482% | 4,318 |
| Net interest margin | 2.8712% | 3,588 |
| Noninterest income to average assets | 0.0889% | 4,729 |
| Noninterest expense to average assets | 1.2983% | 4,823 |
| Loan and lease loss provision to assets | -0.0089% | 4,577 |
| Net operating income to assets | 1.2983% | 1,835 |
| Return on assets (ROA) | 1.2983% | 1,909 |
| Pretax return on assets | 1.2983% | 2,576 |
| Return on Equity (ROE) | 10.1738% | 2,637 |
| Retained earnings to average equity (ytd only) | 5.0869% | 3,200 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1718% | 4,173 |
| Assets per employee ($millions) | 12.8694% | 289 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3053% | 4,873 |
| 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 | 39.8786% | 4,354 |
| Net loans and leases to deposits | 45.6585% | 4,368 |
| Net loans and leases to core deposits | 46.5615% | 4,419 |
| Total domestic deposits to total assets | 87.3410% | 2,160 |
| Equity capital to assets | 12.4992% | 1,081 |
| Core capital (leverage) ratio | 12.6646% | 937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0436% | 354 |
| Memoranda: | ||
| Average total assets | $89,965,000 | 4,190 |
| Average earning assets | $78,294,500 | 4,243 |
| Average equity | $11,480,500 | 4,058 |
| Average total loans | $36,395,000 | 4,368 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1425% | 4,515 |
| Cost of funding earning assets | 0.2465% | 4,396 |
| Net interest margin | 2.8960% | 4,113 |
| Noninterest income to average assets | 0.1083% | 4,717 |
| Noninterest expense to average assets | 1.3707% | 4,850 |
| Loan and lease loss provision to assets | -0.0024% | 4,899 |
| Net operating income to assets | 1.4516% | 916 |
| Return on assets (ROA) | 1.4730% | 947 |
| Pretax return on assets | 1.4730% | 1,431 |
| Return on Equity (ROE) | 11.0765% | 1,603 |
| Retained earnings to average equity (ytd only) | 5.8425% | 1,875 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6076% | 4,604 |
| Assets per employee ($millions) | 12.8349% | 273 |
| Cash dividends to net income (ytd only)* | 47.2536% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3047% | 4,900 |
| 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 | 40.7851% | 4,408 |
| Net loans and leases to deposits | 46.9680% | 4,431 |
| Net loans and leases to core deposits | 48.2202% | 4,481 |
| Total domestic deposits to total assets | 86.8361% | 2,015 |
| Equity capital to assets | 13.0237% | 1,078 |
| Core capital (leverage) ratio | 12.6921% | 977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1053% | 348 |
| Memoranda: | ||
| Average total assets | $84,044,000 | 4,197 |
| Average earning assets | $78,694,600 | 4,177 |
| Average equity | $11,176,800 | 4,057 |
| Average total loans | $37,117,000 | 4,373 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1745% | 4,612 |
| Cost of funding earning assets | 0.2779% | 4,399 |
| Net interest margin | 2.8966% | 4,188 |
| Noninterest income to average assets | 0.1082% | 4,729 |
| Noninterest expense to average assets | 1.3608% | 4,883 |
| Loan and lease loss provision to assets | 0.0048% | 4,212 |
| Net operating income to assets | 1.4851% | 934 |
| Return on assets (ROA) | 1.5142% | 959 |
| Pretax return on assets | 1.5142% | 1,423 |
| Return on Equity (ROE) | 11.3223% | 1,582 |
| Retained earnings to average equity (ytd only) | 6.0233% | 2,096 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7350% | 4,623 |
| Assets per employee ($millions) | 11.9233% | 327 |
| Cash dividends to net income (ytd only)* | 46.8017% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3045% | 4,932 |
| 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 | 45.8898% | 4,319 |
| Net loans and leases to deposits | 53.3507% | 4,362 |
| Net loans and leases to core deposits | 54.8992% | 4,416 |
| Total domestic deposits to total assets | 86.0154% | 2,060 |
| Equity capital to assets | 13.7678% | 918 |
| Core capital (leverage) ratio | 13.1905% | 903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3926% | 323 |
| Memoranda: | ||
| Average total assets | $82,594,000 | 4,221 |
| Average earning assets | $78,205,750 | 4,195 |
| Average equity | $11,045,750 | 4,074 |
| Average total loans | $37,207,500 | 4,395 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2009% | 4,718 |
| Cost of funding earning assets | 0.3178% | 4,405 |
| Net interest margin | 2.8831% | 4,335 |
| Noninterest income to average assets | 0.1094% | 4,746 |
| Noninterest expense to average assets | 1.3584% | 4,921 |
| Loan and lease loss provision to assets | -0.0049% | 4,999 |
| Net operating income to assets | 1.5115% | 907 |
| Return on assets (ROA) | 1.5115% | 980 |
| Pretax return on assets | 1.5115% | 1,425 |
| Return on Equity (ROE) | 11.4156% | 1,507 |
| Retained earnings to average equity (ytd only) | 6.0382% | 2,064 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4131% | 4,661 |
| Assets per employee ($millions) | 12.2130% | 307 |
| Cash dividends to net income (ytd only)* | 47.1061% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3064% | 4,953 |
| 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 | 42.6314% | 4,512 |
| Net loans and leases to deposits | 49.2673% | 4,564 |
| Net loans and leases to core deposits | 51.4389% | 4,588 |
| Total domestic deposits to total assets | 86.5307% | 1,794 |
| Equity capital to assets | 13.2868% | 1,046 |
| Core capital (leverage) ratio | 12.8162% | 1,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4064% | 428 |
| Memoranda: | ||
| Average total assets | $82,304,333 | 4,227 |
| Average earning assets | $78,666,333 | 4,187 |
| Average equity | $10,897,333 | 4,100 |
| Average total loans | $36,804,000 | 4,410 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2999% | 4,811 |
| Cost of funding earning assets | 0.3780% | 4,431 |
| Net interest margin | 2.9219% | 4,400 |
| Noninterest income to average assets | 0.1239% | 4,742 |
| Noninterest expense to average assets | 1.3480% | 4,989 |
| Loan and lease loss provision to assets | -0.0099% | 5,042 |
| Net operating income to assets | 1.6206% | 599 |
| Return on assets (ROA) | 1.6206% | 660 |
| Pretax return on assets | 1.6206% | 1,007 |
| Return on Equity (ROE) | 12.2627% | 1,041 |
| Retained earnings to average equity (ytd only) | 6.7876% | 1,614 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5611% | 4,843 |
| Assets per employee ($millions) | 11.1866% | 294 |
| Cash dividends to net income (ytd only)* | 44.6483% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3061% | 4,990 |
| 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 | 46.5775% | 4,397 |
| Net loans and leases to deposits | 54.2656% | 4,432 |
| Net loans and leases to core deposits | 55.8682% | 4,495 |
| Total domestic deposits to total assets | 85.8325% | 2,069 |
| Equity capital to assets | 14.0117% | 1,051 |
| Core capital (leverage) ratio | 13.2106% | 1,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7329% | 408 |
| Memoranda: | ||
| Average total assets | $80,711,000 | 4,258 |
| Average earning assets | $78,305,500 | 4,200 |
| Average equity | $10,666,500 | 4,150 |
| Average total loans | $36,927,000 | 4,433 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3933% | 4,919 |
| Cost of funding earning assets | 0.4094% | 4,415 |
| Net interest margin | 2.9838% | 4,537 |
| Noninterest income to average assets | 0.1194% | 4,860 |
| Noninterest expense to average assets | 1.3149% | 5,069 |
| Loan and lease loss provision to assets | 0.0299% | 3,417 |
| Net operating income to assets | 1.6757% | 697 |
| Return on assets (ROA) | 1.6757% | 744 |
| Pretax return on assets | 1.6757% | 1,253 |
| Return on Equity (ROE) | 13.5401% | 997 |
| Retained earnings to average equity (ytd only) | 3.8399% | 3,051 |
| Net charge-offs to loans | -0.0142% | 4,558 |
| Credit loss provision to net charge-offs | -480.0000% | 4,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5338% | 4,994 |
| Assets per employee ($millions) | 11.8737% | 234 |
| Cash dividends to net income (ytd only)* | 71.6407% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3059% | 5,041 |
| 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 | 44.7026% | 4,571 |
| Net loans and leases to deposits | 51.1368% | 4,641 |
| Net loans and leases to core deposits | 52.3067% | 4,697 |
| Total domestic deposits to total assets | 87.4176% | 1,400 |
| Equity capital to assets | 12.4657% | 1,839 |
| Core capital (leverage) ratio | 12.9465% | 1,257 |
| Tier 1 risk-based capital ratio | 22.3883% | 979 |
| Total risk-based capital ratio | 22.6339% | 1,081 |
| Memoranda: | ||
| Average total assets | $80,384,000 | 4,279 |
| Average earning assets | $78,154,800 | 4,212 |
| Average equity | $9,948,200 | 4,249 |
| Average total loans | $35,249,600 | 4,524 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4131% | 5,018 |
| Cost of funding earning assets | 0.4174% | 4,439 |
| Net interest margin | 2.9957% | 4,628 |
| Noninterest income to average assets | 0.1188% | 4,922 |
| Noninterest expense to average assets | 1.2948% | 5,147 |
| Loan and lease loss provision to assets | 0.0368% | 3,162 |
| Net operating income to assets | 1.6930% | 758 |
| Return on assets (ROA) | 1.6930% | 798 |
| Pretax return on assets | 1.6930% | 1,354 |
| Return on Equity (ROE) | 13.7054% | 1,048 |
| Retained earnings to average equity (ytd only) | 2.6138% | 4,042 |
| Net charge-offs to loans | -0.0153% | 4,510 |
| Credit loss provision to net charge-offs | -550.0000% | 4,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8097% | 5,051 |
| Assets per employee ($millions) | 11.5510% | 241 |
| Cash dividends to net income (ytd only)* | 80.9286% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3046% | 5,114 |
| 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 | 44.9250% | 4,662 |
| Net loans and leases to deposits | 51.4803% | 4,728 |
| Net loans and leases to core deposits | 52.6923% | 4,784 |
| Total domestic deposits to total assets | 87.2664% | 1,395 |
| Equity capital to assets | 12.5345% | 1,890 |
| Core capital (leverage) ratio | 12.7775% | 1,442 |
| Tier 1 risk-based capital ratio | 22.8534% | 961 |
| Total risk-based capital ratio | 23.1019% | 1,063 |
| Memoranda: | ||
| Average total assets | $79,701,000 | 4,350 |
| Average earning assets | $77,308,500 | 4,278 |
| Average equity | $9,845,000 | 4,304 |
| Average total loans | $34,744,750 | 4,602 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3857% | 5,090 |
| Cost of funding earning assets | 0.4187% | 4,438 |
| Net interest margin | 2.9671% | 4,736 |
| Noninterest income to average assets | 0.1160% | 4,982 |
| Noninterest expense to average assets | 1.3541% | 5,185 |
| Loan and lease loss provision to assets | 0.0479% | 2,857 |
| Net operating income to assets | 1.5911% | 929 |
| Return on assets (ROA) | 1.5911% | 972 |
| Pretax return on assets | 1.5911% | 1,571 |
| Return on Equity (ROE) | 12.9458% | 1,260 |
| Retained earnings to average equity (ytd only) | -0.8617% | 4,812 |
| Net charge-offs to loans | -0.0234% | 4,603 |
| Credit loss provision to net charge-offs | -475.0000% | 4,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2401% | 5,017 |
| Assets per employee ($millions) | 11.6510% | 228 |
| Cash dividends to net income (ytd only)* | 106.6561% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3057% | 5,168 |
| 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 | 43.1907% | 4,749 |
| Net loans and leases to deposits | 49.2926% | 4,825 |
| Net loans and leases to core deposits | 50.4360% | 4,861 |
| Total domestic deposits to total assets | 87.6209% | 1,275 |
| Equity capital to assets | 12.2197% | 2,042 |
| Core capital (leverage) ratio | 12.2256% | 1,685 |
| Tier 1 risk-based capital ratio | 20.3565% | 1,281 |
| Total risk-based capital ratio | 20.5768% | 1,448 |
| Memoranda: | ||
| Average total assets | $79,315,670 | 4,386 |
| Average earning assets | $76,911,000 | 4,312 |
| Average equity | $9,748,330 | 4,336 |
| Average total loans | $34,181,000 | 4,649 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3386% | 5,157 |
| Cost of funding earning assets | 0.4167% | 4,415 |
| Net interest margin | 2.9220% | 4,858 |
| Noninterest income to average assets | 0.1228% | 4,994 |
| Noninterest expense to average assets | 1.4323% | 5,204 |
| Loan and lease loss provision to assets | 0.0870% | 1,967 |
| Net operating income to assets | 1.4374% | 1,274 |
| Return on assets (ROA) | 1.4374% | 1,301 |
| Pretax return on assets | 1.4374% | 1,967 |
| Return on Equity (ROE) | 11.6604% | 1,671 |
| Retained earnings to average equity (ytd only) | -10.1665% | 5,112 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4429% | 4,924 |
| Assets per employee ($millions) | 12.8943% | 168 |
| Cash dividends to net income (ytd only)* | 187.1886% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3032% | 5,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 43.3524% | 4,771 |
| Net loans and leases to deposits | 49.5626% | 4,829 |
| Net loans and leases to core deposits | 51.0192% | 4,861 |
| Total domestic deposits to total assets | 87.4699% | 1,580 |
| Equity capital to assets | 12.4137% | 1,792 |
| Core capital (leverage) ratio | 12.5046% | 1,510 |
| Tier 1 risk-based capital ratio | 22.8290% | 955 |
| Total risk-based capital ratio | 23.0670% | 1,048 |
| Memoranda: | ||
| Average total assets | $78,195,000 | 4,454 |
| Average earning assets | $75,839,500 | 4,372 |
| Average equity | $9,639,500 | 4,381 |
| Average total loans | $33,605,000 | 4,711 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0702% | 5,201 |
| Cost of funding earning assets | 0.3295% | 4,410 |
| Net interest margin | 2.7407% | 5,069 |
| Noninterest income to average assets | 0.1459% | 4,982 |
| Noninterest expense to average assets | 1.2809% | 5,305 |
| Loan and lease loss provision to assets | 0.0222% | 3,725 |
| Net operating income to assets | 1.4986% | 1,122 |
| Return on assets (ROA) | 1.5051% | 1,092 |
| Pretax return on assets | 1.5051% | 1,769 |
| Return on Equity (ROE) | 12.3999% | 1,581 |
| Retained earnings to average equity (ytd only) | 2.9738% | 3,913 |
| Net charge-offs to loans | 0.0066% | 3,452 |
| Credit loss provision to net charge-offs | 850.0000% | 422 |
| Earnings coverage of net charge-offs (x) | 583.5000% | 188 |
| Efficiency ratio | 45.7209% | 5,126 |
| Assets per employee ($millions) | 11.2891% | 240 |
| Cash dividends to net income (ytd only)* | 76.0173% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2532% | 5,312 |
| 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 | 42.3707% | 4,867 |
| Net loans and leases to deposits | 48.3265% | 4,926 |
| Net loans and leases to core deposits | 49.4185% | 4,958 |
| Total domestic deposits to total assets | 87.6759% | 1,458 |
| Equity capital to assets | 12.2431% | 1,731 |
| Core capital (leverage) ratio | 12.8823% | 1,291 |
| Tier 1 risk-based capital ratio | 23.2505% | 890 |
| Total risk-based capital ratio | 23.4475% | 981 |
| Memoranda: | ||
| Average total assets | $76,740,000 | 4,491 |
| Average earning assets | $74,360,600 | 4,413 |
| Average equity | $9,314,600 | 4,419 |
| Average total loans | $30,335,200 | 4,815 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9618% | 5,301 |
| Cost of funding earning assets | 0.3159% | 4,406 |
| Net interest margin | 2.6459% | 5,199 |
| Noninterest income to average assets | 0.1453% | 5,050 |
| Noninterest expense to average assets | 1.2498% | 5,386 |
| Loan and lease loss provision to assets | 0.0263% | 3,487 |
| Net operating income to assets | 1.4354% | 1,376 |
| Return on assets (ROA) | 1.4441% | 1,351 |
| Pretax return on assets | 1.4441% | 2,077 |
| Return on Equity (ROE) | 11.9244% | 1,814 |
| Retained earnings to average equity (ytd only) | 0.9395% | 4,870 |
| Net charge-offs to loans | 0.0045% | 3,288 |
| Credit loss provision to net charge-offs | 1,500.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 837.0752% | 102 |
| Efficiency ratio | 46.0943% | 5,143 |
| Assets per employee ($millions) | 12.7362% | 165 |
| Cash dividends to net income (ytd only)* | 92.1216% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2551% | 5,378 |
| Loan loss allowance to noncurrent loans | 106.3291% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 4,457 |
| Noncurrent loans to loans | 0.2399% | 3,839 |
| Net loans and leases to total assets | 42.9839% | 4,917 |
| Net loans and leases to deposits | 48.9969% | 4,984 |
| Net loans and leases to core deposits | 50.1412% | 5,019 |
| Total domestic deposits to total assets | 87.7279% | 1,375 |
| Equity capital to assets | 12.1478% | 1,804 |
| Core capital (leverage) ratio | 13.0825% | 1,244 |
| Tier 1 risk-based capital ratio | 22.9210% | 942 |
| Total risk-based capital ratio | 23.1169% | 1,047 |
| Memoranda: | ||
| Average total assets | $76,169,000 | 4,543 |
| Average earning assets | $73,873,000 | 4,468 |
| Average equity | $9,224,500 | 4,471 |
| Average total loans | $29,527,000 | 4,886 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8999% | 5,373 |
| Cost of funding earning assets | 0.3038% | 4,387 |
| Net interest margin | 2.5961% | 5,278 |
| Noninterest income to average assets | 0.1577% | 5,038 |
| Noninterest expense to average assets | 1.2512% | 5,446 |
| Loan and lease loss provision to assets | 0.0184% | 3,530 |
| Net operating income to assets | 1.4037% | 1,428 |
| Return on assets (ROA) | 1.4037% | 1,430 |
| Pretax return on assets | 1.4037% | 2,133 |
| Return on Equity (ROE) | 11.6024% | 1,871 |
| Retained earnings to average equity (ytd only) | -2.3683% | 5,180 |
| Net charge-offs to loans | 0.0070% | 2,879 |
| Credit loss provision to net charge-offs | 700.0000% | 554 |
| Earnings coverage of net charge-offs (x) | 541.0000% | 166 |
| Efficiency ratio | 46.8043% | 5,172 |
| Assets per employee ($millions) | 12.6030% | 167 |
| Cash dividends to net income (ytd only)* | 120.4120% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2556% | 5,439 |
| Loan loss allowance to noncurrent loans | 120.6349% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 4,590 |
| Noncurrent loans to loans | 0.2119% | 3,964 |
| Net loans and leases to total assets | 39.2155% | 5,080 |
| Net loans and leases to deposits | 44.6886% | 5,127 |
| Net loans and leases to core deposits | 45.9552% | 5,152 |
| Total domestic deposits to total assets | 87.7529% | 1,506 |
| Equity capital to assets | 12.1241% | 1,770 |
| Core capital (leverage) ratio | 12.7067% | 1,345 |
| Tier 1 risk-based capital ratio | 24.8124% | 748 |
| Total risk-based capital ratio | 25.0077% | 828 |
| Memoranda: | ||
| Average total assets | $76,086,330 | 4,593 |
| Average earning assets | $73,727,000 | 4,511 |
| Average equity | $9,205,000 | 4,511 |
| Average total loans | $28,392,330 | 4,963 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8395% | 5,437 |
| Cost of funding earning assets | 0.2823% | 4,490 |
| Net interest margin | 2.5571% | 5,348 |
| Noninterest income to average assets | 0.1677% | 5,017 |
| Noninterest expense to average assets | 1.2841% | 5,502 |
| Loan and lease loss provision to assets | 0.0052% | 3,439 |
| Net operating income to assets | 1.3470% | 1,489 |
| Return on assets (ROA) | 1.3470% | 1,502 |
| Pretax return on assets | 1.3470% | 2,191 |
| Return on Equity (ROE) | 11.1454% | 1,907 |
| Retained earnings to average equity (ytd only) | -11.6659% | 5,401 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7078% | 5,160 |
| Assets per employee ($millions) | 12.2767% | 184 |
| Cash dividends to net income (ytd only)* | 204.6693% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2554% | 5,505 |
| 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 | 37.6405% | 5,152 |
| Net loans and leases to deposits | 42.9341% | 5,188 |
| Net loans and leases to core deposits | 44.3794% | 5,199 |
| Total domestic deposits to total assets | 87.6704% | 1,805 |
| Equity capital to assets | 12.2224% | 1,650 |
| Core capital (leverage) ratio | 11.3215% | 2,145 |
| Tier 1 risk-based capital ratio | 21.7547% | 1,093 |
| Total risk-based capital ratio | 21.9358% | 1,227 |
| Memoranda: | ||
| Average total assets | $76,320,500 | 4,632 |
| Average earning assets | $73,676,000 | 4,560 |
| Average equity | $9,223,500 | 4,554 |
| Average total loans | $27,723,500 | 5,028 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9052% | 5,412 |
| Cost of funding earning assets | 0.2716% | 4,385 |
| Net interest margin | 2.6336% | 5,331 |
| Noninterest income to average assets | 0.1620% | 5,149 |
| Noninterest expense to average assets | 1.2053% | 5,583 |
| Loan and lease loss provision to assets | 0.0039% | 4,169 |
| Net operating income to assets | 1.4541% | 898 |
| Return on assets (ROA) | 1.4541% | 908 |
| Pretax return on assets | 1.4541% | 1,804 |
| Return on Equity (ROE) | 11.9987% | 1,215 |
| Retained earnings to average equity (ytd only) | 4.4915% | 2,457 |
| Net charge-offs to loans | 0.0036% | 3,975 |
| Credit loss provision to net charge-offs | 300.0000% | 939 |
| Earnings coverage of net charge-offs (x) | 1,125.0000% | 72 |
| Efficiency ratio | 45.2555% | 5,414 |
| Assets per employee ($millions) | 15.7962% | 80 |
| Cash dividends to net income (ytd only)* | 62.5668% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2532% | 5,568 |
| 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 | 34.9198% | 5,316 |
| Net loans and leases to deposits | 39.6903% | 5,344 |
| Net loans and leases to core deposits | 40.9278% | 5,363 |
| Total domestic deposits to total assets | 87.9807% | 1,513 |
| Equity capital to assets | 11.9573% | 1,859 |
| Core capital (leverage) ratio | 12.7845% | 1,222 |
| Tier 1 risk-based capital ratio | 25.4002% | 693 |
| Total risk-based capital ratio | 25.5818% | 770 |
| Memoranda: | ||
| Average total assets | $77,161,000 | 4,641 |
| Average earning assets | $73,282,400 | 4,589 |
| Average equity | $9,351,000 | 4,551 |
| Average total loans | $27,523,800 | 5,074 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9331% | 5,461 |
| Cost of funding earning assets | 0.2718% | 4,389 |
| Net interest margin | 2.6613% | 5,362 |
| Noninterest income to average assets | 0.1599% | 5,219 |
| Noninterest expense to average assets | 1.1889% | 5,652 |
| Loan and lease loss provision to assets | 0.0069% | 3,989 |
| Net operating income to assets | 1.4827% | 928 |
| Return on assets (ROA) | 1.4827% | 948 |
| Pretax return on assets | 1.4827% | 1,832 |
| Return on Equity (ROE) | 12.1927% | 1,275 |
| Retained earnings to average equity (ytd only) | 3.8307% | 3,637 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3868% | 5,470 |
| Assets per employee ($millions) | 15.2928% | 87 |
| Cash dividends to net income (ytd only)* | 68.5817% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2556% | 5,635 |
| 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 | 36.7493% | 5,319 |
| Net loans and leases to deposits | 42.0886% | 5,362 |
| Net loans and leases to core deposits | 44.0046% | 5,365 |
| Total domestic deposits to total assets | 87.3143% | 1,721 |
| Equity capital to assets | 12.5824% | 1,616 |
| Core capital (leverage) ratio | 12.8668% | 1,264 |
| Tier 1 risk-based capital ratio | 29.8039% | 483 |
| Total risk-based capital ratio | 30.0266% | 524 |
| Memoranda: | ||
| Average total assets | $76,706,000 | 4,699 |
| Average earning assets | $72,594,500 | 4,656 |
| Average equity | $9,327,750 | 4,604 |
| Average total loans | $27,492,250 | 5,135 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9529% | 5,471 |
| Cost of funding earning assets | 0.2737% | 4,345 |
| Net interest margin | 2.6792% | 5,380 |
| Noninterest income to average assets | 0.1485% | 5,322 |
| Noninterest expense to average assets | 1.1981% | 5,704 |
| Loan and lease loss provision to assets | 0.0026% | 3,845 |
| Net operating income to assets | 1.4716% | 911 |
| Return on assets (ROA) | 1.4716% | 932 |
| Pretax return on assets | 1.4716% | 1,752 |
| Return on Equity (ROE) | 12.2427% | 1,225 |
| Retained earnings to average equity (ytd only) | 2.1018% | 4,411 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8343% | 5,500 |
| Assets per employee ($millions) | 14.7334% | 92 |
| Cash dividends to net income (ytd only)* | 82.8319% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2532% | 5,688 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 36.8917% | 5,341 |
| Net loans and leases to deposits | 42.3714% | 5,387 |
| Net loans and leases to core deposits | 44.5985% | 5,383 |
| Total domestic deposits to total assets | 87.0675% | 1,917 |
| Equity capital to assets | 12.8416% | 1,452 |
| Core capital (leverage) ratio | 12.3791% | 1,430 |
| Tier 1 risk-based capital ratio | 30.2405% | 454 |
| Total risk-based capital ratio | 30.4609% | 494 |
| Memoranda: | ||
| Average total assets | $76,786,670 | 4,730 |
| Average earning assets | $72,336,000 | 4,687 |
| Average equity | $9,230,000 | 4,642 |
| Average total loans | $27,265,670 | 5,182 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9180% | 5,524 |
| Cost of funding earning assets | 0.2673% | 4,385 |
| Net interest margin | 2.6507% | 5,436 |
| Noninterest income to average assets | 0.1532% | 5,350 |
| Noninterest expense to average assets | 1.1692% | 5,775 |
| Loan and lease loss provision to assets | 0.0102% | 3,426 |
| Net operating income to assets | 1.4551% | 882 |
| Return on assets (ROA) | 1.4551% | 907 |
| Pretax return on assets | 1.4551% | 1,680 |
| Return on Equity (ROE) | 12.5069% | 1,109 |
| Retained earnings to average equity (ytd only) | -2.8963% | 5,252 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3798% | 5,582 |
| Assets per employee ($millions) | 15.4910% | 77 |
| Cash dividends to net income (ytd only)* | 123.1579% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2528% | 5,760 |
| 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 | 35.6555% | 5,413 |
| Net loans and leases to deposits | 40.4805% | 5,458 |
| Net loans and leases to core deposits | 42.5152% | 5,451 |
| Total domestic deposits to total assets | 88.0808% | 1,676 |
| Equity capital to assets | 11.8701% | 1,929 |
| Core capital (leverage) ratio | 11.8558% | 1,717 |
| Tier 1 risk-based capital ratio | 28.8036% | 519 |
| Total risk-based capital ratio | 29.0203% | 565 |
| Memoranda: | ||
| Average total assets | $78,346,500 | 4,747 |
| Average earning assets | $73,338,000 | 4,718 |
| Average equity | $9,115,000 | 4,695 |
| Average total loans | $27,275,500 | 5,235 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0898% | 5,415 |
| Cost of funding earning assets | 0.2642% | 4,425 |
| Net interest margin | 2.8256% | 5,254 |
| Noninterest income to average assets | 0.1476% | 5,463 |
| Noninterest expense to average assets | 1.2229% | 5,826 |
| Loan and lease loss provision to assets | -0.0065% | 5,480 |
| Net operating income to assets | 1.5717% | 727 |
| Return on assets (ROA) | 1.5730% | 755 |
| Pretax return on assets | 1.5730% | 1,363 |
| Return on Equity (ROE) | 13.0382% | 986 |
| Retained earnings to average equity (ytd only) | 6.7032% | 1,353 |
| Net charge-offs to loans | 0.0035% | 4,137 |
| Credit loss provision to net charge-offs | -500.0000% | 5,166 |
| Earnings coverage of net charge-offs (x) | 1,198.0000% | 54 |
| Efficiency ratio | 43.8613% | 5,698 |
| Assets per employee ($millions) | 15.8476% | 72 |
| Cash dividends to net income (ytd only)* | 48.5880% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2531% | 5,817 |
| 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 | 33.8171% | 5,551 |
| Net loans and leases to deposits | 38.1894% | 5,600 |
| Net loans and leases to core deposits | 40.0520% | 5,595 |
| Total domestic deposits to total assets | 88.5509% | 1,354 |
| Equity capital to assets | 11.4036% | 2,243 |
| Core capital (leverage) ratio | 12.2149% | 1,466 |
| Tier 1 risk-based capital ratio | 28.6120% | 534 |
| Total risk-based capital ratio | 28.8196% | 575 |
| Memoranda: | ||
| Average total assets | $76,541,600 | 4,805 |
| Average earning assets | $71,525,000 | 4,767 |
| Average equity | $9,234,400 | 4,706 |
| Average total loans | $28,361,400 | 5,255 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1278% | 5,444 |
| Cost of funding earning assets | 0.2646% | 4,453 |
| Net interest margin | 2.8633% | 5,244 |
| Noninterest income to average assets | 0.1547% | 5,499 |
| Noninterest expense to average assets | 1.2302% | 5,888 |
| Loan and lease loss provision to assets | -0.0035% | 5,630 |
| Net operating income to assets | 1.6098% | 717 |
| Return on assets (ROA) | 1.6115% | 753 |
| Pretax return on assets | 1.6115% | 1,350 |
| Return on Equity (ROE) | 13.1693% | 1,006 |
| Retained earnings to average equity (ytd only) | 6.4482% | 1,937 |
| Net charge-offs to loans | 0.0046% | 3,753 |
| Credit loss provision to net charge-offs | -200.0000% | 4,865 |
| Earnings coverage of net charge-offs (x) | 916.2707% | 93 |
| Efficiency ratio | 43.3705% | 5,759 |
| Assets per employee ($millions) | 15.4262% | 75 |
| Cash dividends to net income (ytd only)* | 51.0355% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2541% | 5,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 36.1398% | 5,547 |
| Net loans and leases to deposits | 41.2920% | 5,603 |
| Net loans and leases to core deposits | 43.4204% | 5,597 |
| Total domestic deposits to total assets | 87.5225% | 1,650 |
| Equity capital to assets | 12.3595% | 1,864 |
| Core capital (leverage) ratio | 12.2256% | 1,528 |
| Tier 1 risk-based capital ratio | 27.1913% | 627 |
| Total risk-based capital ratio | 27.4011% | 684 |
| Memoranda: | ||
| Average total assets | $75,867,500 | 4,851 |
| Average earning assets | $71,058,750 | 4,814 |
| Average equity | $9,284,000 | 4,746 |
| Average total loans | $28,735,750 | 5,287 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1767% | 5,467 |
| Cost of funding earning assets | 0.2694% | 4,444 |
| Net interest margin | 2.9072% | 5,256 |
| Noninterest income to average assets | 0.1484% | 5,559 |
| Noninterest expense to average assets | 1.2486% | 5,963 |
| Loan and lease loss provision to assets | -0.0027% | 5,744 |
| Net operating income to assets | 1.6197% | 686 |
| Return on assets (ROA) | 1.6197% | 735 |
| Pretax return on assets | 1.6197% | 1,309 |
| Return on Equity (ROE) | 13.2812% | 963 |
| Retained earnings to average equity (ytd only) | 5.6516% | 2,336 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5708% | 5,822 |
| Assets per employee ($millions) | 14.6950% | 82 |
| Cash dividends to net income (ytd only)* | 57.4468% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2541% | 5,956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 39.0051% | 5,469 |
| Net loans and leases to deposits | 44.8561% | 5,536 |
| Net loans and leases to core deposits | 47.3038% | 5,520 |
| Total domestic deposits to total assets | 86.9561% | 1,939 |
| Equity capital to assets | 12.9513% | 1,532 |
| Core capital (leverage) ratio | 11.8730% | 1,719 |
| Tier 1 risk-based capital ratio | 26.4576% | 692 |
| Total risk-based capital ratio | 26.6720% | 757 |
| Memoranda: | ||
| Average total assets | $75,446,330 | 4,900 |
| Average earning assets | $70,514,330 | 4,869 |
| Average equity | $9,201,000 | 4,801 |
| Average total loans | $28,999,000 | 5,331 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1591% | 5,537 |
| Cost of funding earning assets | 0.2703% | 4,495 |
| Net interest margin | 2.8888% | 5,342 |
| Noninterest income to average assets | 0.1413% | 5,641 |
| Noninterest expense to average assets | 1.2508% | 6,023 |
| Loan and lease loss provision to assets | 0.0052% | 3,608 |
| Net operating income to assets | 1.5700% | 751 |
| Return on assets (ROA) | 1.5700% | 783 |
| Pretax return on assets | 1.5700% | 1,376 |
| Return on Equity (ROE) | 13.2692% | 978 |
| Retained earnings to average equity (ytd only) | 2.9192% | 4,058 |
| Net charge-offs to loans | 0.0137% | 2,667 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 301.0000% | 199 |
| Efficiency ratio | 44.2593% | 5,864 |
| Assets per employee ($millions) | 12.4857% | 139 |
| Cash dividends to net income (ytd only)* | 78.0000% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2548% | 6,024 |
| 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 | 38.6750% | 5,523 |
| Net loans and leases to deposits | 44.1070% | 5,587 |
| Net loans and leases to core deposits | 46.3991% | 5,572 |
| Total domestic deposits to total assets | 87.6845% | 1,809 |
| Equity capital to assets | 12.2487% | 1,858 |
| Core capital (leverage) ratio | 11.6097% | 1,899 |
| Tier 1 risk-based capital ratio | 25.5973% | 763 |
| Total risk-based capital ratio | 25.8121% | 843 |
| Memoranda: | ||
| Average total assets | $76,432,000 | 4,931 |
| Average earning assets | $71,032,000 | 4,900 |
| Average equity | $9,043,500 | 4,855 |
| Average total loans | $29,132,500 | 5,371 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1664% | 5,551 |
| Cost of funding earning assets | 0.2935% | 4,323 |
| Net interest margin | 2.8729% | 5,384 |
| Noninterest income to average assets | 0.1663% | 5,586 |
| Noninterest expense to average assets | 1.3517% | 6,056 |
| Loan and lease loss provision to assets | 0.0093% | 4,217 |
| Net operating income to assets | 1.4489% | 946 |
| Return on assets (ROA) | 1.4489% | 980 |
| Pretax return on assets | 1.4489% | 1,726 |
| Return on Equity (ROE) | 12.5187% | 1,174 |
| Retained earnings to average equity (ytd only) | 5.0121% | 2,407 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1061% | 5,838 |
| Assets per employee ($millions) | 12.9917% | 119 |
| Cash dividends to net income (ytd only)* | 59.9633% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2533% | 6,077 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 37.3881% | 5,649 |
| Net loans and leases to deposits | 42.2450% | 5,704 |
| Net loans and leases to core deposits | 44.3295% | 5,706 |
| Total domestic deposits to total assets | 88.5029% | 1,383 |
| Equity capital to assets | 11.4317% | 2,414 |
| Core capital (leverage) ratio | 11.4920% | 1,963 |
| Tier 1 risk-based capital ratio | 24.7686% | 835 |
| Total risk-based capital ratio | 24.9781% | 931 |
| Memoranda: | ||
| Average total assets | $75,162,000 | 4,968 |
| Average earning assets | $69,162,800 | 4,956 |
| Average equity | $8,699,000 | 4,911 |
| Average total loans | $27,391,200 | 5,463 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1442% | 5,648 |
| Cost of funding earning assets | 0.3026% | 4,316 |
| Net interest margin | 2.8416% | 5,508 |
| Noninterest income to average assets | 0.1665% | 5,647 |
| Noninterest expense to average assets | 1.3339% | 6,135 |
| Loan and lease loss provision to assets | 0.0107% | 4,058 |
| Net operating income to assets | 1.4449% | 1,016 |
| Return on assets (ROA) | 1.4449% | 1,064 |
| Pretax return on assets | 1.4449% | 1,849 |
| Return on Equity (ROE) | 12.4447% | 1,253 |
| Retained earnings to average equity (ytd only) | 4.1790% | 3,488 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8177% | 5,877 |
| Assets per employee ($millions) | 12.5987% | 132 |
| Cash dividends to net income (ytd only)* | 66.4191% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2554% | 6,162 |
| 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 | 37.7183% | 5,720 |
| Net loans and leases to deposits | 42.8185% | 5,766 |
| Net loans and leases to core deposits | 45.0099% | 5,761 |
| Total domestic deposits to total assets | 88.0887% | 1,511 |
| Equity capital to assets | 11.8108% | 2,253 |
| Core capital (leverage) ratio | 11.5553% | 1,995 |
| Tier 1 risk-based capital ratio | 25.5004% | 809 |
| Total risk-based capital ratio | 25.7172% | 887 |
| Memoranda: | ||
| Average total assets | $74,465,000 | 5,037 |
| Average earning assets | $68,737,750 | 5,022 |
| Average equity | $8,646,000 | 4,988 |
| Average total loans | $26,934,500 | 5,545 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1211% | 5,720 |
| Cost of funding earning assets | 0.3130% | 4,245 |
| Net interest margin | 2.8081% | 5,600 |
| Noninterest income to average assets | 0.1566% | 5,770 |
| Noninterest expense to average assets | 1.3389% | 6,204 |
| Loan and lease loss provision to assets | -0.0027% | 5,934 |
| Net operating income to assets | 1.4118% | 1,065 |
| Return on assets (ROA) | 1.4118% | 1,101 |
| Pretax return on assets | 1.4118% | 1,928 |
| Return on Equity (ROE) | 12.2311% | 1,305 |
| Retained earnings to average equity (ytd only) | 2.4322% | 4,503 |
| Net charge-offs to loans | -0.0076% | 4,854 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7230% | 5,918 |
| Assets per employee ($millions) | 12.3617% | 136 |
| Cash dividends to net income (ytd only)* | 80.1147% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2548% | 6,231 |
| Loan loss allowance to noncurrent loans | 372.2222% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 5,794 |
| Noncurrent loans to loans | 0.0685% | 5,462 |
| Net loans and leases to total assets | 35.3620% | 5,850 |
| Net loans and leases to deposits | 40.0464% | 5,897 |
| Net loans and leases to core deposits | 41.4967% | 5,918 |
| Total domestic deposits to total assets | 88.3025% | 1,495 |
| Equity capital to assets | 11.6058% | 2,327 |
| Core capital (leverage) ratio | 11.3448% | 2,126 |
| Tier 1 risk-based capital ratio | 26.8025% | 720 |
| Total risk-based capital ratio | 27.0158% | 783 |
| Memoranda: | ||
| Average total assets | $74,089,330 | 5,099 |
| Average earning assets | $68,374,000 | 5,083 |
| Average equity | $8,552,000 | 5,047 |
| Average total loans | $26,384,330 | 5,617 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1077% | 5,773 |
| Cost of funding earning assets | 0.3231% | 4,187 |
| Net interest margin | 2.7845% | 5,677 |
| Noninterest income to average assets | 0.1675% | 5,722 |
| Noninterest expense to average assets | 1.3559% | 6,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3721% | 1,088 |
| Return on assets (ROA) | 1.3721% | 1,148 |
| Pretax return on assets | 1.3721% | 1,989 |
| Return on Equity (ROE) | 11.9193% | 1,372 |
| Retained earnings to average equity (ytd only) | -2.2525% | 5,712 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7030% | 5,933 |
| Assets per employee ($millions) | 12.4007% | 136 |
| Cash dividends to net income (ytd only)* | 118.8976% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2531% | 6,311 |
| 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 | 35.4900% | 5,849 |
| Net loans and leases to deposits | 40.1912% | 5,907 |
| Net loans and leases to core deposits | 41.6413% | 5,923 |
| Total domestic deposits to total assets | 88.3030% | 1,658 |
| Equity capital to assets | 11.6082% | 2,369 |
| Core capital (leverage) ratio | 11.2741% | 2,174 |
| Tier 1 risk-based capital ratio | 26.5000% | 754 |
| Total risk-based capital ratio | 26.7147% | 821 |
| Memoranda: | ||
| Average total assets | $74,049,000 | 5,151 |
| Average earning assets | $68,090,000 | 5,140 |
| Average equity | $8,524,000 | 5,091 |
| Average total loans | $26,429,000 | 5,658 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2737% | 5,742 |
| Cost of funding earning assets | 0.3362% | 4,414 |
| Net interest margin | 2.9375% | 5,572 |
| Noninterest income to average assets | 0.1775% | 5,792 |
| Noninterest expense to average assets | 1.3118% | 6,394 |
| Loan and lease loss provision to assets | 0.0057% | 4,505 |
| Net operating income to assets | 1.5645% | 771 |
| Return on assets (ROA) | 1.6369% | 684 |
| Pretax return on assets | 1.6369% | 1,134 |
| Return on Equity (ROE) | 14.1057% | 917 |
| Retained earnings to average equity (ytd only) | 6.9489% | 1,435 |
| Net charge-offs to loans | -0.0040% | 5,438 |
| Credit loss provision to net charge-offs | -400.0000% | 5,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5172% | 6,284 |
| Assets per employee ($millions) | 12.2823% | 132 |
| Cash dividends to net income (ytd only)* | 50.7372% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2539% | 6,400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 35.7125% | 5,968 |
| Net loans and leases to deposits | 40.3415% | 6,027 |
| Net loans and leases to core deposits | 41.8071% | 6,052 |
| Total domestic deposits to total assets | 88.5255% | 1,513 |
| Equity capital to assets | 11.4134% | 2,505 |
| Core capital (leverage) ratio | 11.4715% | 1,988 |
| Tier 1 risk-based capital ratio | 26.5263% | 719 |
| Total risk-based capital ratio | 26.7400% | 788 |
| Memoranda: | ||
| Average total assets | $70,438,400 | 5,271 |
| Average earning assets | $64,850,800 | 5,256 |
| Average equity | $8,174,000 | 5,162 |
| Average total loans | $25,071,800 | 5,777 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3044% | 5,762 |
| Cost of funding earning assets | 0.3448% | 4,394 |
| Net interest margin | 2.9597% | 5,592 |
| Noninterest income to average assets | 0.1666% | 5,925 |
| Noninterest expense to average assets | 1.2811% | 6,464 |
| Loan and lease loss provision to assets | 0.0019% | 4,368 |
| Net operating income to assets | 1.6124% | 732 |
| Return on assets (ROA) | 1.7101% | 626 |
| Pretax return on assets | 1.7101% | 1,044 |
| Return on Equity (ROE) | 14.6725% | 884 |
| Retained earnings to average equity (ytd only) | 6.9830% | 1,829 |
| Net charge-offs to loans | -0.0054% | 5,308 |
| Credit loss provision to net charge-offs | -100.0000% | 5,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2460% | 6,355 |
| Assets per employee ($millions) | 12.0143% | 138 |
| Cash dividends to net income (ytd only)* | 52.4071% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2563% | 6,478 |
| Loan loss allowance to noncurrent loans | 640.0000% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 6,124 |
| Noncurrent loans to loans | 0.0400% | 5,857 |
| Net loans and leases to total assets | 34.5504% | 6,095 |
| Net loans and leases to deposits | 39.1395% | 6,147 |
| Net loans and leases to core deposits | 40.0869% | 6,178 |
| Total domestic deposits to total assets | 88.2751% | 1,619 |
| Equity capital to assets | 11.6139% | 2,383 |
| Core capital (leverage) ratio | 11.8191% | 1,820 |
| Tier 1 risk-based capital ratio | 26.6185% | 736 |
| Total risk-based capital ratio | 26.8269% | 811 |
| Memoranda: | ||
| Average total assets | $69,624,500 | 5,355 |
| Average earning assets | $64,195,000 | 5,325 |
| Average equity | $8,114,750 | 5,216 |
| Average total loans | $24,743,500 | 5,853 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3275% | 5,758 |
| Cost of funding earning assets | 0.3562% | 4,362 |
| Net interest margin | 2.9713% | 5,589 |
| Noninterest income to average assets | 0.1686% | 5,947 |
| Noninterest expense to average assets | 1.2935% | 6,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6394% | 653 |
| Return on assets (ROA) | 1.7877% | 521 |
| Pretax return on assets | 1.7877% | 865 |
| Return on Equity (ROE) | 15.3195% | 748 |
| Retained earnings to average equity (ytd only) | 6.5762% | 1,993 |
| Net charge-offs to loans | -0.0081% | 5,277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1031% | 6,414 |
| Assets per employee ($millions) | 13.8372% | 90 |
| Cash dividends to net income (ytd only)* | 57.0732% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2563% | 6,551 |
| 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 | 35.4421% | 6,077 |
| Net loans and leases to deposits | 40.2670% | 6,142 |
| Net loans and leases to core deposits | 41.0820% | 6,190 |
| Total domestic deposits to total assets | 88.0178% | 1,888 |
| Equity capital to assets | 11.8796% | 2,078 |
| Core capital (leverage) ratio | 11.6058% | 1,917 |
| Tier 1 risk-based capital ratio | 24.8689% | 885 |
| Total risk-based capital ratio | 25.0644% | 989 |
| Memoranda: | ||
| Average total assets | $68,804,000 | 5,428 |
| Average earning assets | $64,012,000 | 5,384 |
| Average equity | $8,029,000 | 5,266 |
| Average total loans | $24,668,000 | 5,898 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3057% | 5,833 |
| Cost of funding earning assets | 0.3584% | 4,456 |
| Net interest margin | 2.9473% | 5,648 |
| Noninterest income to average assets | 0.1632% | 6,001 |
| Noninterest expense to average assets | 1.3117% | 6,596 |
| Loan and lease loss provision to assets | 0.0058% | 3,745 |
| Net operating income to assets | 1.6265% | 647 |
| Return on assets (ROA) | 1.6265% | 670 |
| Pretax return on assets | 1.6265% | 1,121 |
| Return on Equity (ROE) | 14.0660% | 935 |
| Retained earnings to average equity (ytd only) | 2.2687% | 4,698 |
| Net charge-offs to loans | -0.0162% | 5,244 |
| Credit loss provision to net charge-offs | -100.0000% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5545% | 6,475 |
| Assets per employee ($millions) | 11.2222% | 174 |
| Cash dividends to net income (ytd only)* | 83.8710% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2565% | 6,619 |
| 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 | 36.9566% | 6,022 |
| Net loans and leases to deposits | 41.9728% | 6,077 |
| Net loans and leases to core deposits | 42.8451% | 6,129 |
| Total domestic deposits to total assets | 88.0490% | 2,211 |
| Equity capital to assets | 11.8308% | 1,993 |
| Core capital (leverage) ratio | 11.4625% | 1,993 |
| Tier 1 risk-based capital ratio | 22.2365% | 1,254 |
| Total risk-based capital ratio | 22.4191% | 1,417 |
| Memoranda: | ||
| Average total assets | $68,613,000 | 5,486 |
| Average earning assets | $64,737,000 | 5,418 |
| Average equity | $7,934,000 | 5,321 |
| Average total loans | $24,710,000 | 5,950 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4951% | 5,654 |
| Cost of funding earning assets | 0.4071% | 4,566 |
| Net interest margin | 3.0880% | 5,346 |
| Noninterest income to average assets | 0.2104% | 5,824 |
| Noninterest expense to average assets | 1.3614% | 6,648 |
| Loan and lease loss provision to assets | 0.0502% | 4,133 |
| Net operating income to assets | 1.7052% | 576 |
| Return on assets (ROA) | 1.7052% | 591 |
| Pretax return on assets | 1.7052% | 939 |
| Return on Equity (ROE) | 13.8953% | 975 |
| Retained earnings to average equity (ytd only) | 3.4930% | 3,738 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6776% | 6,622 |
| Assets per employee ($millions) | 13.9786% | 91 |
| Cash dividends to net income (ytd only)* | 74.8619% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2534% | 6,698 |
| 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 | 34.9248% | 6,248 |
| Net loans and leases to deposits | 39.4199% | 6,323 |
| Net loans and leases to core deposits | 40.3718% | 6,348 |
| Total domestic deposits to total assets | 88.5969% | 1,856 |
| Equity capital to assets | 11.3059% | 2,333 |
| Core capital (leverage) ratio | 11.0733% | 2,322 |
| Tier 1 risk-based capital ratio | 23.8253% | 971 |
| Total risk-based capital ratio | 24.0160% | 1,112 |
| Memoranda: | ||
| Average total assets | $63,686,400 | 5,661 |
| Average earning assets | $59,941,000 | 5,592 |
| Average equity | $7,815,600 | 5,391 |
| Average total loans | $23,859,200 | 6,039 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5918% | 5,462 |
| Cost of funding earning assets | 0.4218% | 4,591 |
| Net interest margin | 3.1700% | 5,085 |
| Noninterest income to average assets | 0.2189% | 5,863 |
| Noninterest expense to average assets | 1.3347% | 6,726 |
| Loan and lease loss provision to assets | 0.0472% | 4,075 |
| Net operating income to assets | 1.8046% | 522 |
| Return on assets (ROA) | 1.8046% | 545 |
| Pretax return on assets | 1.8046% | 900 |
| Return on Equity (ROE) | 14.3868% | 909 |
| Retained earnings to average equity (ytd only) | 2.4805% | 4,838 |
| Net charge-offs to loans | -0.0056% | 5,794 |
| Credit loss provision to net charge-offs | -2,200.0000% | 6,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8855% | 6,713 |
| Assets per employee ($millions) | 16.5955% | 69 |
| Cash dividends to net income (ytd only)* | 82.7586% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2161% | 6,787 |
| 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 | 36.8594% | 6,233 |
| Net loans and leases to deposits | 41.8321% | 6,315 |
| Net loans and leases to core deposits | 42.9015% | 6,357 |
| Total domestic deposits to total assets | 88.1127% | 2,049 |
| Equity capital to assets | 11.7291% | 2,107 |
| Core capital (leverage) ratio | 11.8682% | 1,759 |
| Tier 1 risk-based capital ratio | 22.2996% | 1,262 |
| Total risk-based capital ratio | 22.4547% | 1,422 |
| Memoranda: | ||
| Average total assets | $62,134,750 | 5,761 |
| Average earning assets | $58,168,000 | 5,707 |
| Average equity | $7,794,000 | 5,452 |
| Average total loans | $23,706,000 | 6,104 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6234% | 5,365 |
| Cost of funding earning assets | 0.4306% | 4,653 |
| Net interest margin | 3.1928% | 4,974 |
| Noninterest income to average assets | 0.2174% | 5,882 |
| Noninterest expense to average assets | 1.3175% | 6,778 |
| Loan and lease loss provision to assets | 0.0494% | 3,995 |
| Net operating income to assets | 1.8544% | 467 |
| Return on assets (ROA) | 1.8544% | 499 |
| Pretax return on assets | 1.8544% | 816 |
| Return on Equity (ROE) | 14.4421% | 922 |
| Retained earnings to average equity (ytd only) | -0.4104% | 5,935 |
| Net charge-offs to loans | -0.0085% | 5,741 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8998% | 6,781 |
| Assets per employee ($millions) | 15.0115% | 81 |
| Cash dividends to net income (ytd only)* | 102.8419% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1991% | 6,836 |
| 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 | 38.4022% | 6,150 |
| Net loans and leases to deposits | 43.9579% | 6,230 |
| Net loans and leases to core deposits | 44.9484% | 6,288 |
| Total domestic deposits to total assets | 87.3614% | 2,611 |
| Equity capital to assets | 12.4854% | 1,582 |
| Core capital (leverage) ratio | 12.2701% | 1,467 |
| Tier 1 risk-based capital ratio | 22.9209% | 1,146 |
| Total risk-based capital ratio | 23.0623% | 1,295 |
| Memoranda: | ||
| Average total assets | $60,719,000 | 5,841 |
| Average earning assets | $57,128,670 | 5,774 |
| Average equity | $7,796,670 | 5,484 |
| Average total loans | $23,434,330 | 6,155 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6682% | 5,255 |
| Cost of funding earning assets | 0.4463% | 4,634 |
| Net interest margin | 3.2219% | 4,842 |
| Noninterest income to average assets | 0.2096% | 5,982 |
| Noninterest expense to average assets | 1.4741% | 6,765 |
| Loan and lease loss provision to assets | 0.0524% | 3,747 |
| Net operating income to assets | 1.7099% | 572 |
| Return on assets (ROA) | 1.7099% | 631 |
| Pretax return on assets | 1.7099% | 1,051 |
| Return on Equity (ROE) | 13.1379% | 1,137 |
| Retained earnings to average equity (ytd only) | -10.1177% | 6,621 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5466% | 6,709 |
| Assets per employee ($millions) | 15.1285% | 86 |
| Cash dividends to net income (ytd only)* | 177.0115% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1615% | 6,923 |
| 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 | 38.8290% | 6,093 |
| Net loans and leases to deposits | 44.6652% | 6,148 |
| Net loans and leases to core deposits | 45.6669% | 6,227 |
| Total domestic deposits to total assets | 86.9336% | 3,003 |
| Equity capital to assets | 12.9623% | 1,446 |
| Core capital (leverage) ratio | 11.9539% | 1,598 |
| Tier 1 risk-based capital ratio | 22.3310% | 1,273 |
| Total risk-based capital ratio | 22.4477% | 1,467 |
| Memoranda: | ||
| Average total assets | $61,055,500 | 5,883 |
| Average earning assets | $57,358,000 | 5,815 |
| Average equity | $7,946,500 | 5,497 |
| Average total loans | $23,599,000 | 6,199 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8788% | 5,641 |
| Cost of funding earning assets | 0.4791% | 5,359 |
| Net interest margin | 3.3997% | 4,884 |
| Noninterest income to average assets | 0.2032% | 5,963 |
| Noninterest expense to average assets | 1.5111% | 6,866 |
| Loan and lease loss provision to assets | 0.0161% | 5,701 |
| Net operating income to assets | 1.9030% | 429 |
| Return on assets (ROA) | 1.9030% | 476 |
| Pretax return on assets | 1.9030% | 752 |
| Return on Equity (ROE) | 14.8641% | 834 |
| Retained earnings to average equity (ytd only) | 2.9098% | 4,180 |
| Net charge-offs to loans | -0.0125% | 6,497 |
| Credit loss provision to net charge-offs | -333.3333% | 6,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0527% | 6,845 |
| Assets per employee ($millions) | 15.3993% | 88 |
| Cash dividends to net income (ytd only)* | 80.4237% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1268% | 6,982 |
| 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 | 38.3671% | 6,273 |
| Net loans and leases to deposits | 44.1821% | 6,358 |
| Net loans and leases to core deposits | 44.8981% | 6,423 |
| Total domestic deposits to total assets | 86.8386% | 2,918 |
| Equity capital to assets | 13.0672% | 1,408 |
| Core capital (leverage) ratio | 12.4910% | 1,321 |
| Tier 1 risk-based capital ratio | 24.4265% | 918 |
| Total risk-based capital ratio | 24.5245% | 1,053 |
| Memoranda: | ||
| Average total assets | $62,007,800 | 5,870 |
| Average earning assets | $58,859,000 | 5,779 |
| Average equity | $7,938,600 | 5,521 |
| Average total loans | $23,934,000 | 6,242 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 5,691 |
| Cost of funding earning assets | 0.4900% | 5,506 |
| Net interest margin | 3.4478% | 4,851 |
| Noninterest income to average assets | 0.2018% | 6,086 |
| Noninterest expense to average assets | 1.4662% | 6,957 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.0136% | 381 |
| Return on assets (ROA) | 2.0136% | 425 |
| Pretax return on assets | 2.0136% | 684 |
| Return on Equity (ROE) | 15.8089% | 769 |
| Retained earnings to average equity (ytd only) | 2.2753% | 5,198 |
| Net charge-offs to loans | -0.0055% | 6,282 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1345% | 6,962 |
| Assets per employee ($millions) | 14.8600% | 91 |
| Cash dividends to net income (ytd only)* | 85.6074% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0749% | 7,105 |
| 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 | 40.3869% | 6,248 |
| Net loans and leases to deposits | 46.8309% | 6,329 |
| Net loans and leases to core deposits | 47.6215% | 6,440 |
| Total domestic deposits to total assets | 86.2399% | 3,127 |
| Equity capital to assets | 13.6188% | 1,296 |
| Core capital (leverage) ratio | 12.4013% | 1,446 |
| Tier 1 risk-based capital ratio | 23.1607% | 1,149 |
| Total risk-based capital ratio | 23.2172% | 1,309 |
| Memoranda: | ||
| Average total assets | $62,110,500 | 5,940 |
| Average earning assets | $59,050,500 | 5,842 |
| Average equity | $7,911,000 | 5,583 |
| Average total loans | $24,001,750 | 6,327 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9633% | 5,750 |
| Cost of funding earning assets | 0.5059% | 5,577 |
| Net interest margin | 3.4575% | 4,849 |
| Noninterest income to average assets | 0.1968% | 6,152 |
| Noninterest expense to average assets | 1.4349% | 7,041 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.0381% | 368 |
| Return on assets (ROA) | 2.0381% | 412 |
| Pretax return on assets | 2.0381% | 643 |
| Return on Equity (ROE) | 16.3574% | 717 |
| Retained earnings to average equity (ytd only) | -0.3822% | 6,101 |
| Net charge-offs to loans | -0.0083% | 6,246 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3163% | 7,038 |
| Assets per employee ($millions) | 12.4154% | 132 |
| Cash dividends to net income (ytd only)* | 102.3364% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0729% | 7,176 |
| 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 | 39.7587% | 6,360 |
| Net loans and leases to deposits | 45.6067% | 6,468 |
| Net loans and leases to core deposits | 46.0759% | 6,570 |
| Total domestic deposits to total assets | 87.1772% | 2,668 |
| Equity capital to assets | 12.7052% | 1,684 |
| Core capital (leverage) ratio | 11.4276% | 1,942 |
| Tier 1 risk-based capital ratio | 21.1138% | 1,460 |
| Total risk-based capital ratio | 21.1664% | 1,689 |
| Memoranda: | ||
| Average total assets | $63,000,670 | 5,948 |
| Average earning assets | $59,697,000 | 5,849 |
| Average equity | $7,849,670 | 5,617 |
| Average total loans | $23,994,330 | 6,369 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9925% | 5,787 |
| Cost of funding earning assets | 0.5141% | 5,724 |
| Net interest margin | 3.4784% | 4,798 |
| Noninterest income to average assets | 0.2080% | 6,139 |
| Noninterest expense to average assets | 1.4434% | 7,088 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.0485% | 384 |
| Return on assets (ROA) | 2.0485% | 446 |
| Pretax return on assets | 2.0485% | 685 |
| Return on Equity (ROE) | 16.6007% | 731 |
| Retained earnings to average equity (ytd only) | -9.4496% | 6,821 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3357% | 7,072 |
| Assets per employee ($millions) | 12.6222% | 132 |
| Cash dividends to net income (ytd only)* | 156.9231% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0721% | 7,228 |
| 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 | 37.3406% | 6,539 |
| Net loans and leases to deposits | 42.5802% | 6,628 |
| Net loans and leases to core deposits | 43.4036% | 6,680 |
| Total domestic deposits to total assets | 87.6947% | 2,533 |
| Equity capital to assets | 12.1944% | 1,917 |
| Core capital (leverage) ratio | 11.2731% | 2,055 |
| Tier 1 risk-based capital ratio | 22.6690% | 1,179 |
| Total risk-based capital ratio | 22.7236% | 1,358 |
| Memoranda: | ||
| Average total assets | $63,462,500 | 5,972 |
| Average earning assets | $59,913,000 | 5,878 |
| Average equity | $7,831,000 | 5,647 |
| Average total loans | $23,642,000 | 6,437 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6986% | 4,255 |
| Cost of funding earning assets | 0.6554% | 5,794 |
| Net interest margin | 4.0431% | 2,660 |
| Noninterest income to average assets | 0.2311% | 5,884 |
| Noninterest expense to average assets | 1.6345% | 7,091 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.3632% | 167 |
| Return on assets (ROA) | 2.4442% | 151 |
| Pretax return on assets | 2.4442% | 228 |
| Return on Equity (ROE) | 18.8476% | 324 |
| Retained earnings to average equity (ytd only) | 5.7232% | 2,161 |
| Net charge-offs to loans | 0.0127% | 6,254 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 467.0000% | 73 |
| Efficiency ratio | 40.8861% | 7,195 |
| Assets per employee ($millions) | 12.7628% | 127 |
| Cash dividends to net income (ytd only)* | 69.6342% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0717% | 7,282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 37.1141% | 6,696 |
| Net loans and leases to deposits | 42.4528% | 6,787 |
| Net loans and leases to core deposits | 42.6823% | 6,863 |
| Total domestic deposits to total assets | 87.4244% | 2,513 |
| Equity capital to assets | 12.4832% | 1,809 |
| Core capital (leverage) ratio | 12.0222% | 1,579 |
| Tier 1 risk-based capital ratio | 20.9862% | 1,415 |
| Total risk-based capital ratio | 21.0354% | 1,659 |
| Memoranda: | ||
| Average total assets | $59,283,800 | 6,063 |
| Average earning assets | $55,229,600 | 6,012 |
| Average equity | $7,688,000 | 5,667 |
| Average total loans | $23,627,600 | 6,482 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8766% | 3,651 |
| Cost of funding earning assets | 0.6991% | 5,770 |
| Net interest margin | 4.1775% | 2,182 |
| Noninterest income to average assets | 0.2362% | 5,934 |
| Noninterest expense to average assets | 1.5499% | 7,193 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.5634% | 138 |
| Return on assets (ROA) | 2.6734% | 121 |
| Pretax return on assets | 2.6734% | 185 |
| Return on Equity (ROE) | 20.4060% | 285 |
| Retained earnings to average equity (ytd only) | 5.3202% | 2,977 |
| Net charge-offs to loans | 0.0226% | 5,833 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 279.6679% | 135 |
| Efficiency ratio | 37.6812% | 7,292 |
| Assets per employee ($millions) | 11.4878% | 166 |
| Cash dividends to net income (ytd only)* | 73.9276% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0681% | 7,362 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 7,041 |
| Noncurrent loans to loans | 0.0256% | 6,877 |
| Net loans and leases to total assets | 40.8538% | 6,573 |
| Net loans and leases to deposits | 47.4905% | 6,653 |
| Net loans and leases to core deposits | 48.0802% | 6,756 |
| Total domestic deposits to total assets | 86.0252% | 3,206 |
| Equity capital to assets | 13.8251% | 1,237 |
| Core capital (leverage) ratio | 12.4676% | 1,451 |
| Tier 1 risk-based capital ratio | 22.6269% | 1,200 |
| Total risk-based capital ratio | 22.6778% | 1,352 |
| Memoranda: | ||
| Average total assets | $58,151,250 | 6,146 |
| Average earning assets | $53,970,250 | 6,098 |
| Average equity | $7,618,500 | 5,715 |
| Average total loans | $23,609,250 | 6,553 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9248% | 3,513 |
| Cost of funding earning assets | 0.7336% | 5,762 |
| Net interest margin | 4.1913% | 2,073 |
| Noninterest income to average assets | 0.2295% | 6,017 |
| Noninterest expense to average assets | 1.5071% | 7,298 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.6169% | 142 |
| Return on assets (ROA) | 2.6169% | 149 |
| Pretax return on assets | 2.6169% | 210 |
| Return on Equity (ROE) | 20.3435% | 294 |
| Retained earnings to average equity (ytd only) | 1.2781% | 5,338 |
| Net charge-offs to loans | 0.0254% | 5,467 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 254.6667% | 132 |
| Efficiency ratio | 36.5449% | 7,381 |
| Assets per employee ($millions) | 11.4046% | 168 |
| Cash dividends to net income (ytd only)* | 93.7173% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0712% | 7,432 |
| 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 | 41.8410% | 6,603 |
| Net loans and leases to deposits | 48.4191% | 6,703 |
| Net loans and leases to core deposits | 49.3250% | 6,794 |
| Total domestic deposits to total assets | 86.4143% | 3,090 |
| Equity capital to assets | 13.4507% | 1,323 |
| Core capital (leverage) ratio | 11.7386% | 1,755 |
| Tier 1 risk-based capital ratio | 22.9660% | 1,122 |
| Total risk-based capital ratio | 23.0230% | 1,263 |
| Memoranda: | ||
| Average total assets | $58,388,670 | 6,195 |
| Average earning assets | $54,255,670 | 6,140 |
| Average equity | $7,511,000 | 5,764 |
| Average total loans | $23,651,670 | 6,608 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9257% | 3,448 |
| Cost of funding earning assets | 0.7634% | 5,782 |
| Net interest margin | 4.1623% | 2,024 |
| Noninterest income to average assets | 0.2235% | 6,130 |
| Noninterest expense to average assets | 1.4626% | 7,387 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.6002% | 158 |
| Return on assets (ROA) | 2.6002% | 166 |
| Pretax return on assets | 2.6002% | 222 |
| Return on Equity (ROE) | 20.6688% | 308 |
| Retained earnings to average equity (ytd only) | -10.0114% | 6,872 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0000% | 7,446 |
| Assets per employee ($millions) | 11.9538% | 156 |
| Cash dividends to net income (ytd only)* | 148.4375% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0833% | 7,480 |
| Loan loss allowance to noncurrent loans | 41.6667% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 6,959 |
| Noncurrent loans to loans | 0.2000% | 6,572 |
| Net loans and leases to total assets | 40.1262% | 6,768 |
| Net loans and leases to deposits | 45.7769% | 6,865 |
| Net loans and leases to core deposits | 46.5644% | 6,950 |
| Total domestic deposits to total assets | 87.6558% | 2,578 |
| Equity capital to assets | 12.2137% | 1,783 |
| Core capital (leverage) ratio | 11.2012% | 2,031 |
| Tier 1 risk-based capital ratio | 21.6763% | 1,285 |
| Total risk-based capital ratio | 21.7418% | 1,460 |
| Memoranda: | ||
| Average total assets | $59,071,500 | 6,217 |
| Average earning assets | $54,489,500 | 6,182 |
| Average equity | $7,431,500 | 5,794 |
| Average total loans | $23,539,500 | 6,665 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1760% | 3,723 |
| Cost of funding earning assets | 0.9018% | 6,171 |
| Net interest margin | 4.2743% | 1,905 |
| Noninterest income to average assets | 0.3045% | 5,620 |
| Noninterest expense to average assets | 1.5817% | 7,416 |
| Loan and lease loss provision to assets | 0.0036% | 7,029 |
| Net operating income to assets | 2.7012% | 94 |
| Return on assets (ROA) | 2.7012% | 96 |
| Pretax return on assets | 2.7012% | 153 |
| Return on Equity (ROE) | 19.8536% | 263 |
| Retained earnings to average equity (ytd only) | 5.4110% | 2,170 |
| Net charge-offs to loans | 0.0093% | 6,744 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 755.0000% | 21 |
| Efficiency ratio | 36.8993% | 7,535 |
| Assets per employee ($millions) | 11.6748% | 172 |
| Cash dividends to net income (ytd only)* | 72.7454% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0867% | 7,559 |
| Loan loss allowance to noncurrent loans | 40.8163% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 7,028 |
| Noncurrent loans to loans | 0.2123% | 6,645 |
| Net loans and leases to total assets | 39.4970% | 6,994 |
| Net loans and leases to deposits | 45.4323% | 7,062 |
| Net loans and leases to core deposits | 46.2378% | 7,134 |
| Total domestic deposits to total assets | 86.9360% | 2,863 |
| Equity capital to assets | 12.9561% | 1,409 |
| Core capital (leverage) ratio | 11.9709% | 1,570 |
| Tier 1 risk-based capital ratio | 22.1506% | 1,151 |
| Total risk-based capital ratio | 22.2157% | 1,299 |
| Memoranda: | ||
| Average total assets | $55,827,000 | 6,346 |
| Average earning assets | $52,008,800 | 6,287 |
| Average equity | $7,595,600 | 5,846 |
| Average total loans | $21,557,600 | 6,851 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1685% | 3,998 |
| Cost of funding earning assets | 0.9353% | 6,248 |
| Net interest margin | 4.2332% | 2,097 |
| Noninterest income to average assets | 0.3141% | 5,641 |
| Noninterest expense to average assets | 1.5341% | 7,533 |
| Loan and lease loss provision to assets | 0.0097% | 6,926 |
| Net operating income to assets | 2.7395% | 107 |
| Return on assets (ROA) | 2.7395% | 111 |
| Pretax return on assets | 2.7395% | 167 |
| Return on Equity (ROE) | 19.8844% | 313 |
| Retained earnings to average equity (ytd only) | 3.2088% | 4,180 |
| Net charge-offs to loans | 0.0252% | 6,322 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 284.6717% | 113 |
| Efficiency ratio | 35.8150% | 7,635 |
| Assets per employee ($millions) | 10.9266% | 212 |
| Cash dividends to net income (ytd only)* | 83.8627% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0907% | 7,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 40.3071% | 7,057 |
| Net loans and leases to deposits | 47.1350% | 7,123 |
| Net loans and leases to core deposits | 48.0420% | 7,202 |
| Total domestic deposits to total assets | 85.5142% | 3,335 |
| Equity capital to assets | 14.3155% | 1,078 |
| Core capital (leverage) ratio | 11.9854% | 1,677 |
| Tier 1 risk-based capital ratio | 23.4685% | 1,006 |
| Total risk-based capital ratio | 23.5399% | 1,135 |
| Memoranda: | ||
| Average total assets | $55,190,250 | 6,441 |
| Average earning assets | $51,747,750 | 6,373 |
| Average equity | $7,603,750 | 5,911 |
| Average total loans | $21,178,000 | 6,953 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1192% | 4,352 |
| Cost of funding earning assets | 0.9570% | 6,351 |
| Net interest margin | 4.1622% | 2,285 |
| Noninterest income to average assets | 0.3178% | 5,612 |
| Noninterest expense to average assets | 1.5386% | 7,599 |
| Loan and lease loss provision to assets | 0.0072% | 6,820 |
| Net operating income to assets | 2.6835% | 111 |
| Return on assets (ROA) | 2.6835% | 115 |
| Pretax return on assets | 2.6835% | 175 |
| Return on Equity (ROE) | 19.7309% | 340 |
| Retained earnings to average equity (ytd only) | -1.6199% | 6,089 |
| Net charge-offs to loans | 0.0191% | 6,075 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 372.5000% | 90 |
| Efficiency ratio | 36.3792% | 7,695 |
| Assets per employee ($millions) | 11.2626% | 194 |
| Cash dividends to net income (ytd only)* | 108.2100% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0916% | 7,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 38.7459% | 7,231 |
| Net loans and leases to deposits | 44.8489% | 7,294 |
| Net loans and leases to core deposits | 45.6751% | 7,363 |
| Total domestic deposits to total assets | 86.3921% | 2,872 |
| Equity capital to assets | 13.4640% | 1,358 |
| Core capital (leverage) ratio | 11.1611% | 2,127 |
| Tier 1 risk-based capital ratio | 20.9882% | 1,337 |
| Total risk-based capital ratio | 21.0546% | 1,516 |
| Memoranda: | ||
| Average total assets | $55,376,000 | 6,478 |
| Average earning assets | $52,039,330 | 6,408 |
| Average equity | $7,531,330 | 5,956 |
| Average total loans | $20,890,330 | 7,018 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0699% | 4,676 |
| Cost of funding earning assets | 0.9830% | 6,448 |
| Net interest margin | 4.0868% | 2,497 |
| Noninterest income to average assets | 0.3351% | 5,459 |
| Noninterest expense to average assets | 1.5736% | 7,675 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.6080% | 126 |
| Return on assets (ROA) | 2.6080% | 135 |
| Pretax return on assets | 2.6080% | 210 |
| Return on Equity (ROE) | 19.0781% | 432 |
| Retained earnings to average equity (ytd only) | -15.9872% | 7,246 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6307% | 7,776 |
| Assets per employee ($millions) | 10.8682% | 208 |
| Cash dividends to net income (ytd only)* | 183.7989% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0959% | 7,843 |
| Loan loss allowance to noncurrent loans | 500.0000% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 7,480 |
| Noncurrent loans to loans | 0.0192% | 7,368 |
| Net loans and leases to total assets | 38.3504% | 7,335 |
| Net loans and leases to deposits | 44.3867% | 7,388 |
| Net loans and leases to core deposits | 45.9750% | 7,430 |
| Total domestic deposits to total assets | 86.4007% | 2,941 |
| Equity capital to assets | 13.4392% | 1,351 |
| Core capital (leverage) ratio | 11.1790% | 2,109 |
| Tier 1 risk-based capital ratio | 20.9169% | 1,352 |
| Total risk-based capital ratio | 20.9856% | 1,537 |
| Memoranda: | ||
| Average total assets | $54,907,500 | 6,574 |
| Average earning assets | $51,678,000 | 6,489 |
| Average equity | $7,506,000 | 6,013 |
| Average total loans | $20,416,000 | 7,136 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4975% | 4,156 |
| Cost of funding earning assets | 1.2299% | 6,548 |
| Net interest margin | 4.2676% | 1,827 |
| Noninterest income to average assets | 0.3842% | 5,341 |
| Noninterest expense to average assets | 1.6604% | 7,734 |
| Loan and lease loss provision to assets | 0.0018% | 7,420 |
| Net operating income to assets | 2.6634% | 75 |
| Return on assets (ROA) | 2.7336% | 73 |
| Pretax return on assets | 2.7336% | 122 |
| Return on Equity (ROE) | 20.3756% | 231 |
| Retained earnings to average equity (ytd only) | 9.5132% | 424 |
| Net charge-offs to loans | 0.0050% | 7,177 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 1,443.0000% | 12 |
| Efficiency ratio | 38.3860% | 7,881 |
| Assets per employee ($millions) | 11.0948% | 208 |
| Cash dividends to net income (ytd only)* | 53.3108% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1001% | 7,916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 35.9664% | 7,523 |
| Net loans and leases to deposits | 41.8351% | 7,572 |
| Net loans and leases to core deposits | 55.1572% | 7,435 |
| Total domestic deposits to total assets | 85.9718% | 3,033 |
| Equity capital to assets | 13.8966% | 1,199 |
| Core capital (leverage) ratio | 11.7721% | 1,769 |
| Tier 1 risk-based capital ratio | 21.4173% | 1,235 |
| Total risk-based capital ratio | 21.4843% | 1,383 |
| Memoranda: | ||
| Average total assets | $54,142,000 | 6,554 |
| Average earning assets | $50,005,000 | 6,532 |
| Average equity | $7,263,600 | 6,185 |
| Average total loans | $19,847,200 | 7,200 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6209% | 3,736 |
| Cost of funding earning assets | 1.3040% | 6,547 |
| Net interest margin | 4.3169% | 1,689 |
| Noninterest income to average assets | 0.3915% | 5,369 |
| Noninterest expense to average assets | 1.6081% | 7,827 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.7455% | 76 |
| Return on assets (ROA) | 2.8396% | 77 |
| Pretax return on assets | 2.8396% | 124 |
| Return on Equity (ROE) | 21.3633% | 235 |
| Retained earnings to average equity (ytd only) | 8.8361% | 881 |
| Net charge-offs to loans | -0.0337% | 7,815 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.9380% | 7,964 |
| Assets per employee ($millions) | 10.0648% | 264 |
| Cash dividends to net income (ytd only)* | 58.6390% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1225% | 7,997 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 40.4876% | 7,443 |
| Net loans and leases to deposits | 47.8028% | 7,504 |
| Net loans and leases to core deposits | 65.2961% | 7,193 |
| Total domestic deposits to total assets | 84.6972% | 3,375 |
| Equity capital to assets | 15.1021% | 975 |
| Core capital (leverage) ratio | 12.0756% | 1,771 |
| Tier 1 risk-based capital ratio | 24.6990% | 924 |
| Total risk-based capital ratio | 24.7990% | 1,025 |
| Memoranda: | ||
| Average total assets | $53,809,000 | 6,610 |
| Average earning assets | $49,385,750 | 6,599 |
| Average equity | $7,152,250 | 6,276 |
| Average total loans | $19,816,000 | 7,268 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5986% | 4,083 |
| Cost of funding earning assets | 1.3678% | 6,592 |
| Net interest margin | 4.2309% | 1,876 |
| Noninterest income to average assets | 0.3784% | 5,478 |
| Noninterest expense to average assets | 1.5972% | 7,913 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.6414% | 87 |
| Return on assets (ROA) | 2.7797% | 84 |
| Pretax return on assets | 2.7797% | 132 |
| Return on Equity (ROE) | 21.8192% | 247 |
| Retained earnings to average equity (ytd only) | 5.9689% | 2,034 |
| Net charge-offs to loans | -0.0510% | 7,853 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6824% | 8,051 |
| Assets per employee ($millions) | 10.5208% | 232 |
| Cash dividends to net income (ytd only)* | 72.6440% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1241% | 8,091 |
| Loan loss allowance to noncurrent loans | 54.3478% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 7,364 |
| Noncurrent loans to loans | 0.2283% | 6,938 |
| Net loans and leases to total assets | 38.2499% | 7,631 |
| Net loans and leases to deposits | 44.3868% | 7,688 |
| Net loans and leases to core deposits | 59.4188% | 7,470 |
| Total domestic deposits to total assets | 86.1741% | 2,690 |
| Equity capital to assets | 13.5978% | 1,462 |
| Core capital (leverage) ratio | 10.8379% | 2,536 |
| Tier 1 risk-based capital ratio | 23.4645% | 1,096 |
| Total risk-based capital ratio | 23.5637% | 1,178 |
| Memoranda: | ||
| Average total assets | $54,970,670 | 6,639 |
| Average earning assets | $50,155,000 | 6,625 |
| Average equity | $7,003,000 | 6,369 |
| Average total loans | $19,621,330 | 7,348 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5773% | 4,488 |
| Cost of funding earning assets | 1.4315% | 6,632 |
| Net interest margin | 4.1458% | 2,104 |
| Noninterest income to average assets | 0.3633% | 5,531 |
| Noninterest expense to average assets | 1.5315% | 7,961 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.6071% | 108 |
| Return on assets (ROA) | 2.8422% | 98 |
| Pretax return on assets | 2.8422% | 146 |
| Return on Equity (ROE) | 23.0370% | 265 |
| Retained earnings to average equity (ytd only) | -2.2517% | 6,148 |
| Net charge-offs to loans | -0.1033% | 7,885 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0052% | 8,099 |
| Assets per employee ($millions) | 11.0448% | 208 |
| Cash dividends to net income (ytd only)* | 109.7744% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1275% | 8,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 35.4610% | 7,751 |
| Net loans and leases to deposits | 40.6767% | 7,823 |
| Net loans and leases to core deposits | 55.3442% | 7,643 |
| Total domestic deposits to total assets | 87.1777% | 2,134 |
| Equity capital to assets | 12.5724% | 1,936 |
| Core capital (leverage) ratio | 10.1606% | 3,235 |
| Tier 1 risk-based capital ratio | 22.2773% | 1,268 |
| Total risk-based capital ratio | 22.3757% | 1,399 |
| Memoranda: | ||
| Average total assets | $56,154,000 | 6,628 |
| Average earning assets | $51,136,000 | 6,614 |
| Average equity | $6,928,000 | 6,440 |
| Average total loans | $19,359,000 | 7,417 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6629% | 6,894 |
| Cost of funding earning assets | 1.8916% | 6,749 |
| Net interest margin | 3.7712% | 4,135 |
| Noninterest income to average assets | 0.3551% | 5,889 |
| Noninterest expense to average assets | 1.4923% | 8,040 |
| Loan and lease loss provision to assets | -0.2191% | 8,272 |
| Net operating income to assets | 2.6371% | 98 |
| Return on assets (ROA) | 2.6409% | 98 |
| Pretax return on assets | 2.6409% | 146 |
| Return on Equity (ROE) | 23.7472% | 183 |
| Retained earnings to average equity (ytd only) | 6.8626% | 1,200 |
| Net charge-offs to loans | 0.0054% | 6,898 |
| Credit loss provision to net charge-offs | -11,600.0000% | 7,540 |
| Earnings coverage of net charge-offs (x) | 1,280.0000% | 32 |
| Efficiency ratio | 38.1643% | 8,156 |
| Assets per employee ($millions) | 11.4168% | 189 |
| Cash dividends to net income (ytd only)* | 71.1016% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1047% | 8,211 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 7,659 |
| Noncurrent loans to loans | 0.0052% | 7,537 |
| Net loans and leases to total assets | 33.4419% | 7,906 |
| Net loans and leases to deposits | 38.1228% | 7,974 |
| Net loans and leases to core deposits | 50.5762% | 7,878 |
| Total domestic deposits to total assets | 87.7216% | 1,598 |
| Equity capital to assets | 12.1102% | 2,223 |
| Core capital (leverage) ratio | 10.3311% | 3,142 |
| Tier 1 risk-based capital ratio | 22.5211% | 1,250 |
| Total risk-based capital ratio | 22.6001% | 1,375 |
| Memoranda: | ||
| Average total assets | $52,937,400 | 6,663 |
| Average earning assets | $49,904,000 | 6,591 |
| Average equity | $5,887,000 | 6,843 |
| Average total loans | $18,511,200 | 7,430 |