Home > Peoples State Bank, Fairmount, N. D. > Performance and Condition Ratios
Peoples State Bank, Fairmount, N. D., 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 | 5.3845% | 2,337 |
| Cost of funding earning assets | 1.4374% | 3,347 |
| Net interest margin | 3.9470% | 1,388 |
| Noninterest income to average assets | 0.1100% | 4,092 |
| Noninterest expense to average assets | 2.9771% | 1,171 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.6554% | 3,215 |
| Return on assets (ROA) | 0.6554% | 3,235 |
| Pretax return on assets | 0.8554% | 3,064 |
| Return on Equity (ROE) | 10.9000% | 2,052 |
| Retained earnings to average equity (ytd only) | 10.8982% | 981 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 77.6812% | 1,116 |
| Assets per employee ($millions) | 5.2423% | 3,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 2,229 |
| Loan loss allowance to noncurrent loans | 427.2727% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 2,765 |
| Noncurrent loans to loans | 0.2790% | 2,507 |
| Net loans and leases to total assets | 53.0700% | 3,408 |
| Net loans and leases to deposits | 56.7354% | 3,622 |
| Net loans and leases to core deposits | 58.8333% | 3,730 |
| Total domestic deposits to total assets | 93.5400% | 103 |
| Equity capital to assets | 6.2050% | 4,219 |
| Core capital (leverage) ratio | 8.2614% | 4,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9878% | 1,863 |
| Memoranda: | ||
| Average total assets | $36,008,500 | 4,313 |
| Average earning assets | $33,949,500 | 4,280 |
| Average equity | $2,165,500 | 4,391 |
| Average total loans | $21,255,000 | 4,192 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4690% | 2,198 |
| Cost of funding earning assets | 1.4915% | 3,357 |
| Net interest margin | 3.9774% | 1,217 |
| Noninterest income to average assets | 0.0900% | 4,243 |
| Noninterest expense to average assets | 3.1053% | 990 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.5426% | 3,366 |
| Return on assets (ROA) | 0.5426% | 3,387 |
| Pretax return on assets | 0.7151% | 3,223 |
| Return on Equity (ROE) | 9.5100% | 2,297 |
| Retained earnings to average equity (ytd only) | 8.0504% | 1,103 |
| Net charge-offs to loans | 0.0478% | 1,671 |
| Credit loss provision to net charge-offs | 100.0000% | 1,885 |
| Earnings coverage of net charge-offs (x) | 24.3636% | 1,687 |
| Efficiency ratio | 80.6358% | 1,002 |
| Assets per employee ($millions) | 4.4151% | 3,950 |
| Cash dividends to net income (ytd only)* | 15.3846% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 3,055 |
| 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 | 63.8900% | 2,580 |
| Net loans and leases to deposits | 68.0406% | 3,076 |
| Net loans and leases to core deposits | 70.6348% | 3,329 |
| Total domestic deposits to total assets | 93.8900% | 109 |
| Equity capital to assets | 5.8152% | 4,237 |
| Core capital (leverage) ratio | 7.9944% | 4,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1069% | 2,179 |
| Memoranda: | ||
| Average total assets | $35,938,600 | 4,334 |
| Average earning assets | $33,991,800 | 4,302 |
| Average equity | $2,049,600 | 4,414 |
| Average total loans | $23,018,400 | 4,179 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3663% | 2,332 |
| Cost of funding earning assets | 1.4681% | 3,415 |
| Net interest margin | 3.8981% | 1,305 |
| Noninterest income to average assets | 0.0900% | 4,255 |
| Noninterest expense to average assets | 2.8334% | 1,404 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.7240% | 2,919 |
| Return on assets (ROA) | 0.7240% | 2,937 |
| Pretax return on assets | 0.9531% | 2,677 |
| Return on Equity (ROE) | 12.7600% | 1,425 |
| Retained earnings to average equity (ytd only) | 11.7807% | 537 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 74.8293% | 1,496 |
| Assets per employee ($millions) | 4.5236% | 3,927 |
| Cash dividends to net income (ytd only)* | 7.6531% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 3,066 |
| Loan loss allowance to noncurrent loans | 23,600.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 3,807 |
| Noncurrent loans to loans | 0.0044% | 3,773 |
| Net loans and leases to total assets | 62.3100% | 2,699 |
| Net loans and leases to deposits | 66.8911% | 3,195 |
| Net loans and leases to core deposits | 73.8537% | 3,190 |
| Total domestic deposits to total assets | 93.1500% | 85 |
| Equity capital to assets | 6.4688% | 4,250 |
| Core capital (leverage) ratio | 8.5085% | 4,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2155% | 2,176 |
| Memoranda: | ||
| Average total assets | $36,093,000 | 4,357 |
| Average earning assets | $34,237,750 | 4,327 |
| Average equity | $2,048,500 | 4,447 |
| Average total loans | $23,073,000 | 4,205 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3673% | 2,212 |
| Cost of funding earning assets | 1.4500% | 3,397 |
| Net interest margin | 3.9173% | 1,243 |
| Noninterest income to average assets | 0.0900% | 4,266 |
| Noninterest expense to average assets | 2.7065% | 1,669 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.8430% | 2,478 |
| Return on assets (ROA) | 0.8430% | 2,497 |
| Pretax return on assets | 1.1037% | 2,204 |
| Return on Equity (ROE) | 15.5800% | 905 |
| Retained earnings to average equity (ytd only) | 14.5566% | 318 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 71.0335% | 1,976 |
| Assets per employee ($millions) | 4.3351% | 3,991 |
| Cash dividends to net income (ytd only)* | 6.5789% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 3,174 |
| 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 | 66.0100% | 2,350 |
| Net loans and leases to deposits | 70.3911% | 2,961 |
| Net loans and leases to core deposits | 75.2894% | 3,085 |
| Total domestic deposits to total assets | 93.7800% | 100 |
| Equity capital to assets | 5.9053% | 4,230 |
| Core capital (leverage) ratio | 7.9126% | 4,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7967% | 2,330 |
| Memoranda: | ||
| Average total assets | $36,061,000 | 4,379 |
| Average earning assets | $34,207,000 | 4,346 |
| Average equity | $1,951,000 | 4,463 |
| Average total loans | $23,169,000 | 4,222 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0897% | 2,613 |
| Cost of funding earning assets | 1.3358% | 3,502 |
| Net interest margin | 3.7540% | 1,435 |
| Noninterest income to average assets | 0.0900% | 4,252 |
| Noninterest expense to average assets | 2.3510% | 2,655 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9796% | 1,988 |
| Return on assets (ROA) | 0.9796% | 1,997 |
| Pretax return on assets | 1.2843% | 1,675 |
| Return on Equity (ROE) | 18.9200% | 520 |
| Retained earnings to average equity (ytd only) | 18.9225% | 234 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 64.6707% | 2,728 |
| Assets per employee ($millions) | 5.6126% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 3,052 |
| 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 | 56.3600% | 3,166 |
| Net loans and leases to deposits | 59.5760% | 3,533 |
| Net loans and leases to core deposits | 67.7312% | 3,441 |
| Total domestic deposits to total assets | 94.6000% | 84 |
| Equity capital to assets | 4.8743% | 4,387 |
| Core capital (leverage) ratio | 7.9803% | 4,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2630% | 2,507 |
| Memoranda: | ||
| Average total assets | $36,751,000 | 4,403 |
| Average earning assets | $34,736,500 | 4,370 |
| Average equity | $1,902,500 | 4,498 |
| Average total loans | $23,188,500 | 4,244 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7730% | 2,529 |
| Cost of funding earning assets | 0.9429% | 3,428 |
| Net interest margin | 3.8301% | 1,513 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 2.7749% | 1,565 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 0.5894% | 3,459 |
| Return on assets (ROA) | 0.5894% | 3,455 |
| Pretax return on assets | 0.7616% | 3,310 |
| Return on Equity (ROE) | 11.3900% | 2,126 |
| Retained earnings to average equity (ytd only) | 10.2064% | 961 |
| Net charge-offs to loans | 0.2616% | 408 |
| Credit loss provision to net charge-offs | 100.0000% | 1,838 |
| Earnings coverage of net charge-offs (x) | 5.2097% | 2,538 |
| Efficiency ratio | 74.6468% | 1,388 |
| Assets per employee ($millions) | 4.8877% | 3,714 |
| Cash dividends to net income (ytd only)* | 10.3960% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 3,413 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 69.4600% | 1,872 |
| Net loans and leases to deposits | 73.7471% | 2,634 |
| Net loans and leases to core deposits | 77.2846% | 2,896 |
| Total domestic deposits to total assets | 94.1900% | 95 |
| Equity capital to assets | 5.5241% | 4,330 |
| Core capital (leverage) ratio | 8.1578% | 4,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0057% | 2,585 |
| Memoranda: | ||
| Average total assets | $34,271,000 | 4,436 |
| Average earning assets | $32,453,600 | 4,397 |
| Average equity | $1,773,400 | 4,500 |
| Average total loans | $23,696,800 | 4,240 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6230% | 2,627 |
| Cost of funding earning assets | 0.8443% | 3,415 |
| Net interest margin | 3.7787% | 1,646 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 2.6055% | 1,925 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8205% | 2,959 |
| Return on assets (ROA) | 0.8205% | 2,952 |
| Pretax return on assets | 1.0655% | 2,672 |
| Return on Equity (ROE) | 16.1300% | 1,234 |
| Retained earnings to average equity (ytd only) | 15.2879% | 525 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.9746% | 1,682 |
| Assets per employee ($millions) | 4.5606% | 3,905 |
| Cash dividends to net income (ytd only)* | 5.2133% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 3,488 |
| 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 | 74.8800% | 1,251 |
| Net loans and leases to deposits | 80.3017% | 2,019 |
| Net loans and leases to core deposits | 80.3017% | 2,573 |
| Total domestic deposits to total assets | 93.2500% | 268 |
| Equity capital to assets | 5.4223% | 4,162 |
| Core capital (leverage) ratio | 8.7613% | 3,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7865% | 2,856 |
| Memoranda: | ||
| Average total assets | $34,285,250 | 4,457 |
| Average earning assets | $32,532,500 | 4,419 |
| Average equity | $1,744,250 | 4,527 |
| Average total loans | $23,621,000 | 4,260 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4866% | 2,676 |
| Cost of funding earning assets | 0.7458% | 3,361 |
| Net interest margin | 3.7408% | 1,736 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 2.4578% | 2,323 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8953% | 2,768 |
| Return on assets (ROA) | 0.8953% | 2,756 |
| Pretax return on assets | 1.1690% | 2,448 |
| Return on Equity (ROE) | 17.9600% | 961 |
| Retained earnings to average equity (ytd only) | 16.6984% | 412 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.7673% | 2,009 |
| Assets per employee ($millions) | 5.2902% | 3,331 |
| Cash dividends to net income (ytd only)* | 7.0064% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 3,323 |
| Loan loss allowance to noncurrent loans | 297.4684% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2489% | 1,958 |
| Noncurrent loans to loans | 0.3440% | 1,902 |
| Net loans and leases to total assets | 71.6100% | 1,573 |
| Net loans and leases to deposits | 76.1704% | 2,299 |
| Net loans and leases to core deposits | 76.1704% | 2,751 |
| Total domestic deposits to total assets | 94.0100% | 152 |
| Equity capital to assets | 5.7308% | 4,223 |
| Core capital (leverage) ratio | 8.0367% | 4,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9159% | 2,858 |
| Memoranda: | ||
| Average total assets | $35,072,333 | 4,476 |
| Average earning assets | $33,254,667 | 4,440 |
| Average equity | $1,748,667 | 4,560 |
| Average total loans | $23,448,000 | 4,276 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2139% | 3,010 |
| Cost of funding earning assets | 0.6430% | 3,246 |
| Net interest margin | 3.5709% | 2,187 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 2.3409% | 2,698 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8710% | 2,953 |
| Return on assets (ROA) | 0.8710% | 2,908 |
| Pretax return on assets | 1.1323% | 2,619 |
| Return on Equity (ROE) | 18.6800% | 931 |
| Retained earnings to average equity (ytd only) | 18.6752% | 461 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.3981% | 2,047 |
| Assets per employee ($millions) | 4.6100% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 3,432 |
| 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 | 61.8000% | 2,484 |
| Net loans and leases to deposits | 65.1562% | 2,999 |
| Net loans and leases to core deposits | 65.1562% | 3,279 |
| Total domestic deposits to total assets | 94.8500% | 104 |
| Equity capital to assets | 4.7912% | 4,448 |
| Core capital (leverage) ratio | 7.2531% | 4,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.0883% | 3,012 |
| Memoranda: | ||
| Average total assets | $36,738,000 | 4,526 |
| Average earning assets | $34,837,000 | 4,493 |
| Average equity | $1,713,500 | 4,628 |
| Average total loans | $23,689,500 | 4,332 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5871% | 2,836 |
| Cost of funding earning assets | 0.2662% | 3,195 |
| Net interest margin | 3.3210% | 2,513 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 2.6874% | 1,584 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.4367% | 4,197 |
| Return on assets (ROA) | 0.4367% | 4,160 |
| Pretax return on assets | 0.5571% | 4,094 |
| Return on Equity (ROE) | 8.3000% | 3,309 |
| Retained earnings to average equity (ytd only) | 7.7635% | 1,929 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.1215% | 587 |
| Assets per employee ($millions) | 4.5745% | 3,984 |
| Cash dividends to net income (ytd only)* | 6.4103% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 3,544 |
| 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 | 65.9000% | 2,053 |
| Net loans and leases to deposits | 69.1001% | 2,662 |
| Net loans and leases to core deposits | 69.1001% | 2,939 |
| Total domestic deposits to total assets | 95.3700% | 114 |
| Equity capital to assets | 4.5360% | 4,456 |
| Core capital (leverage) ratio | 7.1061% | 4,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4503% | 3,033 |
| Memoranda: | ||
| Average total assets | $35,722,200 | 4,569 |
| Average earning assets | $33,815,400 | 4,530 |
| Average equity | $1,880,600 | 4,683 |
| Average total loans | $24,362,400 | 4,341 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4843% | 2,667 |
| Cost of funding earning assets | 0.1823% | 3,489 |
| Net interest margin | 3.3019% | 2,288 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 2.3471% | 2,487 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.6534% | 3,686 |
| Return on assets (ROA) | 0.6534% | 3,644 |
| Pretax return on assets | 0.8374% | 3,496 |
| Return on Equity (ROE) | 11.9800% | 2,039 |
| Retained earnings to average equity (ytd only) | 11.9847% | 794 |
| Net charge-offs to loans | 0.0109% | 1,705 |
| Credit loss provision to net charge-offs | 500.0000% | 606 |
| Earnings coverage of net charge-offs (x) | 116.5000% | 862 |
| Efficiency ratio | 72.8438% | 1,404 |
| Assets per employee ($millions) | 4.4406% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9457% | 3,703 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 68.7000% | 1,593 |
| Net loans and leases to deposits | 72.1137% | 2,192 |
| Net loans and leases to core deposits | 72.1137% | 2,475 |
| Total domestic deposits to total assets | 95.2600% | 188 |
| Equity capital to assets | 4.6700% | 4,358 |
| Core capital (leverage) ratio | 7.2775% | 4,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8908% | 3,052 |
| Memoranda: | ||
| Average total assets | $35,503,750 | 4,604 |
| Average earning assets | $33,636,000 | 4,573 |
| Average equity | $1,935,750 | 4,719 |
| Average total loans | $24,364,750 | 4,371 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3508% | 2,570 |
| Cost of funding earning assets | 0.1421% | 3,682 |
| Net interest margin | 3.2087% | 2,160 |
| Noninterest income to average assets | 0.0958% | 4,500 |
| Noninterest expense to average assets | 2.3439% | 2,415 |
| Loan and lease loss provision to assets | 0.0563% | 1,572 |
| Net operating income to assets | 0.5916% | 3,650 |
| Return on assets (ROA) | 0.5916% | 3,593 |
| Pretax return on assets | 0.7494% | 3,451 |
| Return on Equity (ROE) | 10.3550% | 2,202 |
| Retained earnings to average equity (ytd only) | 10.3550% | 934 |
| Net charge-offs to loans | 0.0165% | 1,416 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 71.5000% | 992 |
| Efficiency ratio | 74.4186% | 1,464 |
| Assets per employee ($millions) | 4.2316% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 3,847 |
| 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 | 72.8709% | 1,020 |
| Net loans and leases to deposits | 76.7238% | 1,634 |
| Net loans and leases to core deposits | 76.7238% | 1,953 |
| Total domestic deposits to total assets | 94.9783% | 147 |
| Equity capital to assets | 4.9538% | 4,483 |
| Core capital (leverage) ratio | 7.1659% | 4,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6122% | 3,058 |
| Memoranda: | ||
| Average total assets | $35,496,667 | 4,644 |
| Average earning assets | $33,783,333 | 4,624 |
| Average equity | $2,028,000 | 4,744 |
| Average total loans | $24,274,000 | 4,427 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2457% | 2,547 |
| Cost of funding earning assets | 0.1396% | 3,639 |
| Net interest margin | 3.1061% | 2,156 |
| Noninterest income to average assets | 0.0881% | 4,548 |
| Noninterest expense to average assets | 2.2137% | 2,805 |
| Loan and lease loss provision to assets | 0.1101% | 758 |
| Net operating income to assets | 0.5507% | 3,555 |
| Return on assets (ROA) | 0.5507% | 3,531 |
| Pretax return on assets | 0.7049% | 3,378 |
| Return on Equity (ROE) | 9.0765% | 2,290 |
| Retained earnings to average equity (ytd only) | 9.0765% | 1,249 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0909% | 1,846 |
| Assets per employee ($millions) | 4.7741% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 3,822 |
| 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 | 62.5900% | 1,787 |
| Net loans and leases to deposits | 66.1437% | 2,328 |
| Net loans and leases to core deposits | 66.1437% | 2,621 |
| Total domestic deposits to total assets | 94.6273% | 65 |
| Equity capital to assets | 5.3230% | 4,684 |
| Core capital (leverage) ratio | 6.8845% | 4,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5482% | 3,080 |
| Memoranda: | ||
| Average total assets | $36,318,500 | 4,662 |
| Average earning assets | $34,384,000 | 4,646 |
| Average equity | $2,203,500 | 4,760 |
| Average total loans | $23,960,000 | 4,452 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2721% | 888 |
| Cost of funding earning assets | 0.1671% | 3,804 |
| Net interest margin | 4.1050% | 589 |
| Noninterest income to average assets | 0.1594% | 4,350 |
| Noninterest expense to average assets | 3.1280% | 815 |
| Loan and lease loss provision to assets | 0.0854% | 1,441 |
| Net operating income to assets | 0.5066% | 4,071 |
| Return on assets (ROA) | 0.5066% | 4,120 |
| Pretax return on assets | 0.6518% | 4,030 |
| Return on Equity (ROE) | 7.5468% | 3,362 |
| Retained earnings to average equity (ytd only) | 7.1229% | 1,872 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9278% | 750 |
| Assets per employee ($millions) | 4.9206% | 3,807 |
| Cash dividends to net income (ytd only)* | 5.6180% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 3,948 |
| Loan loss allowance to noncurrent loans | 468.7500% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 2,959 |
| Noncurrent loans to loans | 0.2019% | 2,940 |
| Net loans and leases to total assets | 68.3864% | 1,223 |
| Net loans and leases to deposits | 73.5335% | 1,767 |
| Net loans and leases to core deposits | 73.5335% | 2,115 |
| Total domestic deposits to total assets | 93.0002% | 48 |
| Equity capital to assets | 6.8923% | 4,736 |
| Core capital (leverage) ratio | 6.6063% | 4,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6938% | 3,069 |
| Memoranda: | ||
| Average total assets | $35,134,600 | 4,709 |
| Average earning assets | $31,717,600 | 4,703 |
| Average equity | $2,358,600 | 4,794 |
| Average total loans | $22,878,000 | 4,516 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3719% | 855 |
| Cost of funding earning assets | 0.1739% | 3,887 |
| Net interest margin | 4.1980% | 547 |
| Noninterest income to average assets | 0.1813% | 4,291 |
| Noninterest expense to average assets | 2.9417% | 1,055 |
| Loan and lease loss provision to assets | 0.1133% | 1,062 |
| Net operating income to assets | 0.6722% | 3,835 |
| Return on assets (ROA) | 0.6722% | 3,892 |
| Pretax return on assets | 0.8648% | 3,765 |
| Return on Equity (ROE) | 10.0787% | 2,712 |
| Retained earnings to average equity (ytd only) | 9.5124% | 1,478 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0482% | 1,121 |
| Assets per employee ($millions) | 4.4086% | 4,182 |
| Cash dividends to net income (ytd only)* | 5.6180% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 3,964 |
| 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 | 65.5533% | 1,594 |
| Net loans and leases to deposits | 70.6364% | 2,176 |
| Net loans and leases to core deposits | 70.6364% | 2,539 |
| Total domestic deposits to total assets | 92.8039% | 46 |
| Equity capital to assets | 6.9183% | 4,825 |
| Core capital (leverage) ratio | 6.8555% | 4,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0961% | 3,084 |
| Memoranda: | ||
| Average total assets | $35,307,250 | 4,779 |
| Average earning assets | $31,442,750 | 4,774 |
| Average equity | $2,354,750 | 4,867 |
| Average total loans | $22,652,500 | 4,580 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3629% | 902 |
| Cost of funding earning assets | 0.1847% | 3,904 |
| Net interest margin | 4.1782% | 610 |
| Noninterest income to average assets | 0.1189% | 4,602 |
| Noninterest expense to average assets | 3.0634% | 893 |
| Loan and lease loss provision to assets | 0.0566% | 1,899 |
| Net operating income to assets | 0.5719% | 4,044 |
| Return on assets (ROA) | 0.5719% | 4,098 |
| Pretax return on assets | 0.7135% | 4,039 |
| Return on Equity (ROE) | 8.6832% | 3,198 |
| Retained earnings to average equity (ytd only) | 7.8235% | 2,144 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9114% | 790 |
| Assets per employee ($millions) | 4.3433% | 4,224 |
| Cash dividends to net income (ytd only)* | 9.9010% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8549% | 4,276 |
| 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 | 68.4251% | 1,395 |
| Net loans and leases to deposits | 73.7209% | 2,026 |
| Net loans and leases to core deposits | 73.7209% | 2,436 |
| Total domestic deposits to total assets | 92.8164% | 44 |
| Equity capital to assets | 6.6828% | 4,884 |
| Core capital (leverage) ratio | 6.5530% | 4,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0337% | 3,078 |
| Memoranda: | ||
| Average total assets | $35,320,000 | 4,809 |
| Average earning assets | $31,401,000 | 4,805 |
| Average equity | $2,326,333 | 4,905 |
| Average total loans | $22,421,667 | 4,620 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2479% | 1,122 |
| Cost of funding earning assets | 0.1955% | 3,952 |
| Net interest margin | 4.0524% | 785 |
| Noninterest income to average assets | 0.1236% | 4,576 |
| Noninterest expense to average assets | 2.7298% | 1,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6965% | 3,714 |
| Return on assets (ROA) | 0.6965% | 3,778 |
| Pretax return on assets | 0.8875% | 3,633 |
| Return on Equity (ROE) | 10.6506% | 2,478 |
| Retained earnings to average equity (ytd only) | 10.6506% | 1,480 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4658% | 1,187 |
| Assets per employee ($millions) | 4.7988% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 4,131 |
| Loan loss allowance to noncurrent loans | 263.5135% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 3,204 |
| Noncurrent loans to loans | 0.3448% | 2,862 |
| Net loans and leases to total assets | 55.3894% | 3,110 |
| Net loans and leases to deposits | 59.4166% | 3,527 |
| Net loans and leases to core deposits | 59.4166% | 3,745 |
| Total domestic deposits to total assets | 93.2222% | 24 |
| Equity capital to assets | 5.9885% | 4,942 |
| Core capital (leverage) ratio | 6.4513% | 4,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8516% | 2,955 |
| Memoranda: | ||
| Average total assets | $35,607,000 | 4,828 |
| Average earning assets | $30,697,500 | 4,833 |
| Average equity | $2,328,500 | 4,931 |
| Average total loans | $21,642,500 | 4,661 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 2,230 |
| Cost of funding earning assets | 0.3006% | 4,141 |
| Net interest margin | 3.8699% | 1,309 |
| Noninterest income to average assets | 0.1453% | 4,570 |
| Noninterest expense to average assets | 3.1967% | 1,065 |
| Loan and lease loss provision to assets | 0.0646% | 3,570 |
| Net operating income to assets | 0.3939% | 4,255 |
| Return on assets (ROA) | 0.3939% | 4,340 |
| Pretax return on assets | 0.5005% | 4,269 |
| Return on Equity (ROE) | 5.3420% | 3,801 |
| Retained earnings to average equity (ytd only) | 4.9041% | 2,313 |
| Net charge-offs to loans | -0.0349% | 4,585 |
| Credit loss provision to net charge-offs | -285.7143% | 3,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9785% | 569 |
| Assets per employee ($millions) | 4.1030% | 4,290 |
| Cash dividends to net income (ytd only)* | 8.1967% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8934% | 4,199 |
| Loan loss allowance to noncurrent loans | 183.9623% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 2,701 |
| Noncurrent loans to loans | 0.4857% | 2,509 |
| Net loans and leases to total assets | 65.9000% | 2,107 |
| Net loans and leases to deposits | 71.6472% | 2,720 |
| Net loans and leases to core deposits | 71.6472% | 3,110 |
| Total domestic deposits to total assets | 91.9784% | 72 |
| Equity capital to assets | 7.1838% | 4,891 |
| Core capital (leverage) ratio | 6.6918% | 4,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1444% | 2,886 |
| Memoranda: | ||
| Average total assets | $30,969,600 | 4,865 |
| Average earning assets | $28,941,200 | 4,850 |
| Average equity | $2,283,800 | 4,949 |
| Average total loans | $20,059,400 | 4,715 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1828% | 2,440 |
| Cost of funding earning assets | 0.3311% | 4,149 |
| Net interest margin | 3.8517% | 1,475 |
| Noninterest income to average assets | 0.1486% | 4,559 |
| Noninterest expense to average assets | 3.1993% | 1,075 |
| Loan and lease loss provision to assets | 0.0885% | 3,206 |
| Net operating income to assets | 0.3453% | 4,368 |
| Return on assets (ROA) | 0.3453% | 4,424 |
| Pretax return on assets | 0.4720% | 4,338 |
| Return on Equity (ROE) | 4.6498% | 3,983 |
| Retained earnings to average equity (ytd only) | 4.6498% | 2,720 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1163% | 554 |
| Assets per employee ($millions) | 3.9336% | 4,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 4,114 |
| Loan loss allowance to noncurrent loans | 90.8213% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.6578% | 1,759 |
| Noncurrent loans to loans | 0.9749% | 1,532 |
| Net loans and leases to total assets | 66.8785% | 2,400 |
| Net loans and leases to deposits | 73.0181% | 3,030 |
| Net loans and leases to core deposits | 73.0181% | 3,397 |
| Total domestic deposits to total assets | 91.5917% | 93 |
| Equity capital to assets | 7.4136% | 4,877 |
| Core capital (leverage) ratio | 6.7739% | 4,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2003% | 2,533 |
| Memoranda: | ||
| Average total assets | $30,506,000 | 4,897 |
| Average earning assets | $28,592,500 | 4,885 |
| Average equity | $2,265,250 | 4,980 |
| Average total loans | $19,617,750 | 4,757 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1338% | 2,956 |
| Cost of funding earning assets | 0.3816% | 4,118 |
| Net interest margin | 3.7522% | 1,983 |
| Noninterest income to average assets | 0.1524% | 4,534 |
| Noninterest expense to average assets | 2.8690% | 1,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6096% | 3,708 |
| Return on assets (ROA) | 0.6096% | 3,788 |
| Pretax return on assets | 0.8017% | 3,581 |
| Return on Equity (ROE) | 8.2045% | 2,661 |
| Retained earnings to average equity (ytd only) | 8.2045% | 1,244 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1588% | 1,042 |
| Assets per employee ($millions) | 4.6351% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7469% | 4,471 |
| Loan loss allowance to noncurrent loans | 162.1359% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.3175% | 3,046 |
| Noncurrent loans to loans | 0.4606% | 2,762 |
| Net loans and leases to total assets | 68.3998% | 2,284 |
| Net loans and leases to deposits | 74.8398% | 2,987 |
| Net loans and leases to core deposits | 74.8398% | 3,383 |
| Total domestic deposits to total assets | 91.3949% | 98 |
| Equity capital to assets | 7.2582% | 4,933 |
| Core capital (leverage) ratio | 6.8191% | 5,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8919% | 2,994 |
| Memoranda: | ||
| Average total assets | $30,185,000 | 4,929 |
| Average earning assets | $28,303,333 | 4,916 |
| Average equity | $2,242,667 | 5,014 |
| Average total loans | $19,079,000 | 4,794 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3486% | 2,779 |
| Cost of funding earning assets | 0.4617% | 4,107 |
| Net interest margin | 3.8869% | 1,712 |
| Noninterest income to average assets | 0.1790% | 4,474 |
| Noninterest expense to average assets | 2.7121% | 2,679 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8123% | 2,867 |
| Return on assets (ROA) | 0.8123% | 2,954 |
| Pretax return on assets | 1.0601% | 2,639 |
| Return on Equity (ROE) | 10.7935% | 1,472 |
| Retained earnings to average equity (ytd only) | 10.7935% | 598 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8978% | 2,091 |
| Assets per employee ($millions) | 4.2146% | 3,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 3,906 |
| Loan loss allowance to noncurrent loans | 161.5385% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.3525% | 3,023 |
| Noncurrent loans to loans | 0.5922% | 2,523 |
| Net loans and leases to total assets | 58.9621% | 3,597 |
| Net loans and leases to deposits | 63.9946% | 3,986 |
| Net loans and leases to core deposits | 63.9946% | 4,169 |
| Total domestic deposits to total assets | 92.1361% | 30 |
| Equity capital to assets | 7.5317% | 5,031 |
| Core capital (leverage) ratio | 7.6592% | 5,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5007% | 2,929 |
| Memoranda: | ||
| Average total assets | $29,054,500 | 4,982 |
| Average earning assets | $26,859,500 | 4,970 |
| Average equity | $2,186,500 | 5,062 |
| Average total loans | $17,438,500 | 4,859 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6988% | 2,330 |
| Cost of funding earning assets | 0.4652% | 4,221 |
| Net interest margin | 4.2336% | 1,248 |
| Noninterest income to average assets | 0.1702% | 4,638 |
| Noninterest expense to average assets | 3.3279% | 1,245 |
| Loan and lease loss provision to assets | 0.0362% | 3,283 |
| Net operating income to assets | 0.5504% | 4,284 |
| Return on assets (ROA) | 0.5504% | 4,343 |
| Pretax return on assets | 0.7279% | 4,142 |
| Return on Equity (ROE) | 7.3937% | 3,408 |
| Retained earnings to average equity (ytd only) | 4.7184% | 2,576 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3274% | 844 |
| Assets per employee ($millions) | 4.0867% | 3,795 |
| Cash dividends to net income (ytd only)* | 36.1842% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 3,647 |
| Loan loss allowance to noncurrent loans | 128.2443% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.4579% | 2,573 |
| Noncurrent loans to loans | 0.7566% | 2,001 |
| Net loans and leases to total assets | 59.9364% | 3,587 |
| Net loans and leases to deposits | 64.9987% | 4,007 |
| Net loans and leases to core deposits | 64.9987% | 4,235 |
| Total domestic deposits to total assets | 92.2117% | 27 |
| Equity capital to assets | 7.5191% | 5,108 |
| Core capital (leverage) ratio | 7.6040% | 5,091 |
| Tier 1 risk-based capital ratio | 11.6900% | 4,530 |
| Total risk-based capital ratio | 12.6134% | 4,581 |
| Memoranda: | ||
| Average total assets | $27,615,000 | 5,052 |
| Average earning assets | $25,581,200 | 5,037 |
| Average equity | $2,055,800 | 5,134 |
| Average total loans | $17,347,000 | 4,924 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6595% | 2,529 |
| Cost of funding earning assets | 0.4519% | 4,318 |
| Net interest margin | 4.2075% | 1,361 |
| Noninterest income to average assets | 0.1754% | 4,667 |
| Noninterest expense to average assets | 3.1034% | 1,706 |
| Loan and lease loss provision to assets | 0.0487% | 2,923 |
| Net operating income to assets | 0.7357% | 3,896 |
| Return on assets (ROA) | 0.7357% | 3,961 |
| Pretax return on assets | 0.9695% | 3,687 |
| Return on Equity (ROE) | 9.9080% | 2,473 |
| Retained earnings to average equity (ytd only) | 6.9552% | 1,883 |
| Net charge-offs to loans | 0.0307% | 2,458 |
| Credit loss provision to net charge-offs | 250.0000% | 1,092 |
| Earnings coverage of net charge-offs (x) | 52.2814% | 1,152 |
| Efficiency ratio | 75.2955% | 1,418 |
| Assets per employee ($millions) | 3.4609% | 4,540 |
| Cash dividends to net income (ytd only)* | 29.8018% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9056% | 4,018 |
| Loan loss allowance to noncurrent loans | 66.1290% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 0.8957% | 1,519 |
| Noncurrent loans to loans | 1.3694% | 1,125 |
| Net loans and leases to total assets | 64.8174% | 3,201 |
| Net loans and leases to deposits | 70.5258% | 3,733 |
| Net loans and leases to core deposits | 70.5258% | 4,032 |
| Total domestic deposits to total assets | 91.9059% | 42 |
| Equity capital to assets | 7.7870% | 5,163 |
| Core capital (leverage) ratio | 7.8875% | 5,139 |
| Tier 1 risk-based capital ratio | 10.2565% | 5,141 |
| Total risk-based capital ratio | 11.0444% | 5,186 |
| Memoranda: | ||
| Average total assets | $27,367,000 | 5,129 |
| Average earning assets | $25,667,500 | 5,111 |
| Average equity | $2,032,000 | 5,211 |
| Average total loans | $17,355,250 | 4,995 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5905% | 2,704 |
| Cost of funding earning assets | 0.4372% | 4,366 |
| Net interest margin | 4.1533% | 1,484 |
| Noninterest income to average assets | 0.1761% | 4,691 |
| Noninterest expense to average assets | 3.1181% | 1,683 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7263% | 3,910 |
| Return on assets (ROA) | 0.7263% | 3,973 |
| Pretax return on assets | 0.9611% | 3,675 |
| Return on Equity (ROE) | 9.9464% | 2,412 |
| Retained earnings to average equity (ytd only) | 5.4253% | 2,556 |
| Net charge-offs to loans | 0.0585% | 1,808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 26.2000% | 1,575 |
| Efficiency ratio | 76.4388% | 1,341 |
| Assets per employee ($millions) | 3.2491% | 4,741 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8522% | 4,260 |
| Loan loss allowance to noncurrent loans | 57.9545% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.0157% | 1,371 |
| Noncurrent loans to loans | 1.4704% | 1,051 |
| Net loans and leases to total assets | 68.4838% | 2,756 |
| Net loans and leases to deposits | 75.2271% | 3,402 |
| Net loans and leases to core deposits | 75.2271% | 3,794 |
| Total domestic deposits to total assets | 91.0360% | 99 |
| Equity capital to assets | 8.0791% | 5,161 |
| Core capital (leverage) ratio | 7.7294% | 5,209 |
| Tier 1 risk-based capital ratio | 11.3780% | 4,748 |
| Total risk-based capital ratio | 12.2134% | 4,844 |
| Memoranda: | ||
| Average total assets | $27,260,330 | 5,175 |
| Average earning assets | $25,618,330 | 5,157 |
| Average equity | $1,990,670 | 5,260 |
| Average total loans | $17,103,670 | 5,045 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5284% | 2,778 |
| Cost of funding earning assets | 0.4173% | 4,410 |
| Net interest margin | 4.1111% | 1,522 |
| Noninterest income to average assets | 0.1721% | 4,706 |
| Noninterest expense to average assets | 2.9971% | 2,000 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7600% | 3,746 |
| Return on assets (ROA) | 0.7600% | 3,791 |
| Pretax return on assets | 0.9895% | 3,478 |
| Return on Equity (ROE) | 10.9504% | 1,968 |
| Retained earnings to average equity (ytd only) | 7.8512% | 1,719 |
| Net charge-offs to loans | 0.1199% | 1,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 13.8000% | 1,829 |
| Efficiency ratio | 75.1799% | 1,592 |
| Assets per employee ($millions) | 3.4001% | 4,657 |
| Cash dividends to net income (ytd only)* | 28.3019% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9076% | 4,119 |
| Loan loss allowance to noncurrent loans | 45.4006% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.2389% | 1,077 |
| Noncurrent loans to loans | 1.9992% | 745 |
| Net loans and leases to total assets | 61.4095% | 3,558 |
| Net loans and leases to deposits | 66.4307% | 4,020 |
| Net loans and leases to core deposits | 66.4307% | 4,265 |
| Total domestic deposits to total assets | 92.4415% | 39 |
| Equity capital to assets | 7.3012% | 5,284 |
| Core capital (leverage) ratio | 7.1828% | 5,308 |
| Tier 1 risk-based capital ratio | 13.2449% | 3,741 |
| Total risk-based capital ratio | 14.2253% | 3,787 |
| Memoranda: | ||
| Average total assets | $27,894,000 | 5,224 |
| Average earning assets | $25,881,000 | 5,209 |
| Average equity | $1,936,000 | 5,317 |
| Average total loans | $16,678,500 | 5,110 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0722% | 3,830 |
| Cost of funding earning assets | 0.2983% | 4,578 |
| Net interest margin | 3.7739% | 2,762 |
| Noninterest income to average assets | 0.1842% | 4,805 |
| Noninterest expense to average assets | 2.9935% | 2,057 |
| Loan and lease loss provision to assets | 0.1589% | 1,298 |
| Net operating income to assets | 0.4550% | 4,756 |
| Return on assets (ROA) | 0.4550% | 4,756 |
| Pretax return on assets | 0.5489% | 4,725 |
| Return on Equity (ROE) | 6.8635% | 3,871 |
| Retained earnings to average equity (ytd only) | 5.2293% | 2,647 |
| Net charge-offs to loans | 0.2587% | 749 |
| Credit loss provision to net charge-offs | 102.3256% | 2,468 |
| Earnings coverage of net charge-offs (x) | 4.5581% | 3,284 |
| Efficiency ratio | 80.8780% | 885 |
| Assets per employee ($millions) | 4.0839% | 3,769 |
| Cash dividends to net income (ytd only)* | 23.8095% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 3,926 |
| 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 | 57.1658% | 4,034 |
| Net loans and leases to deposits | 61.3300% | 4,411 |
| Net loans and leases to core deposits | 62.1913% | 4,530 |
| Total domestic deposits to total assets | 93.2102% | 28 |
| Equity capital to assets | 6.5974% | 5,357 |
| Core capital (leverage) ratio | 7.2145% | 5,346 |
| Tier 1 risk-based capital ratio | 11.5877% | 4,675 |
| Total risk-based capital ratio | 12.4900% | 4,764 |
| Memoranda: | ||
| Average total assets | $27,693,600 | 5,270 |
| Average earning assets | $25,809,000 | 5,249 |
| Average equity | $1,835,800 | 5,369 |
| Average total loans | $16,620,000 | 5,159 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9868% | 3,966 |
| Cost of funding earning assets | 0.2654% | 4,702 |
| Net interest margin | 3.7213% | 2,938 |
| Noninterest income to average assets | 0.1845% | 4,865 |
| Noninterest expense to average assets | 2.8151% | 2,589 |
| Loan and lease loss provision to assets | 0.1311% | 1,539 |
| Net operating income to assets | 0.5776% | 4,562 |
| Return on assets (ROA) | 0.5776% | 4,568 |
| Pretax return on assets | 0.7086% | 4,514 |
| Return on Equity (ROE) | 8.7020% | 3,242 |
| Retained earnings to average equity (ytd only) | 6.8740% | 2,194 |
| Net charge-offs to loans | 0.3524% | 461 |
| Credit loss provision to net charge-offs | 61.3636% | 2,733 |
| Earnings coverage of net charge-offs (x) | 3.9315% | 3,115 |
| Efficiency ratio | 77.0252% | 1,224 |
| Assets per employee ($millions) | 3.2618% | 4,823 |
| Cash dividends to net income (ytd only)* | 21.0072% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8028% | 4,612 |
| Loan loss allowance to noncurrent loans | 608.6957% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 4,532 |
| Noncurrent loans to loans | 0.1319% | 4,286 |
| Net loans and leases to total assets | 66.2949% | 3,147 |
| Net loans and leases to deposits | 71.5042% | 3,808 |
| Net loans and leases to core deposits | 71.5042% | 4,108 |
| Total domestic deposits to total assets | 92.7148% | 48 |
| Equity capital to assets | 7.0131% | 5,386 |
| Core capital (leverage) ratio | 7.4204% | 5,402 |
| Tier 1 risk-based capital ratio | 11.3684% | 4,862 |
| Total risk-based capital ratio | 12.1531% | 4,984 |
| Memoranda: | ||
| Average total assets | $27,470,250 | 5,343 |
| Average earning assets | $25,617,500 | 5,320 |
| Average equity | $1,823,250 | 5,440 |
| Average total loans | $16,650,000 | 5,220 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8344% | 4,257 |
| Cost of funding earning assets | 0.2406% | 4,797 |
| Net interest margin | 3.5938% | 3,338 |
| Noninterest income to average assets | 0.1862% | 4,893 |
| Noninterest expense to average assets | 2.6209% | 3,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7089% | 4,169 |
| Return on assets (ROA) | 0.7089% | 4,172 |
| Pretax return on assets | 0.8808% | 4,022 |
| Return on Equity (ROE) | 10.8731% | 2,165 |
| Retained earnings to average equity (ytd only) | 8.1274% | 1,568 |
| Net charge-offs to loans | 0.1587% | 973 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 9.4615% | 2,390 |
| Efficiency ratio | 74.8466% | 1,588 |
| Assets per employee ($millions) | 3.9416% | 4,003 |
| Cash dividends to net income (ytd only)* | 25.2525% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8335% | 4,594 |
| Loan loss allowance to noncurrent loans | 261.8182% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 4,003 |
| Noncurrent loans to loans | 0.3184% | 3,569 |
| Net loans and leases to total assets | 62.0927% | 3,587 |
| Net loans and leases to deposits | 66.6381% | 4,131 |
| Net loans and leases to core deposits | 66.6381% | 4,336 |
| Total domestic deposits to total assets | 93.1789% | 30 |
| Equity capital to assets | 6.6181% | 5,476 |
| Core capital (leverage) ratio | 7.4138% | 5,450 |
| Tier 1 risk-based capital ratio | 10.8816% | 5,117 |
| Total risk-based capital ratio | 11.6623% | 5,213 |
| Memoranda: | ||
| Average total assets | $27,929,000 | 5,399 |
| Average earning assets | $25,766,670 | 5,382 |
| Average equity | $1,821,000 | 5,503 |
| Average total loans | $16,387,000 | 5,287 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6532% | 4,583 |
| Cost of funding earning assets | 0.2332% | 4,810 |
| Net interest margin | 3.4200% | 3,819 |
| Noninterest income to average assets | 0.1851% | 4,921 |
| Noninterest expense to average assets | 2.5767% | 3,410 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5694% | 4,517 |
| Return on assets (ROA) | 0.5694% | 4,520 |
| Pretax return on assets | 0.7403% | 4,325 |
| Return on Equity (ROE) | 8.7985% | 3,009 |
| Retained earnings to average equity (ytd only) | 5.4990% | 2,952 |
| Net charge-offs to loans | 0.3262% | 471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,338 |
| Efficiency ratio | 77.6824% | 1,382 |
| Assets per employee ($millions) | 3.9644% | 4,035 |
| Cash dividends to net income (ytd only)* | 37.5000% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 4,237 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 4,217 |
| Noncurrent loans to loans | 0.3153% | 3,636 |
| Net loans and leases to total assets | 54.3332% | 4,252 |
| Net loans and leases to deposits | 58.2815% | 4,571 |
| Net loans and leases to core deposits | 58.2815% | 4,739 |
| Total domestic deposits to total assets | 93.2255% | 31 |
| Equity capital to assets | 6.4646% | 5,544 |
| Core capital (leverage) ratio | 7.2126% | 5,532 |
| Tier 1 risk-based capital ratio | 11.9851% | 4,552 |
| Total risk-based capital ratio | 12.8665% | 4,690 |
| Memoranda: | ||
| Average total assets | $28,098,000 | 5,457 |
| Average earning assets | $25,731,000 | 5,442 |
| Average equity | $1,818,500 | 5,562 |
| Average total loans | $15,942,500 | 5,356 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7793% | 4,110 |
| Cost of funding earning assets | 0.2315% | 4,719 |
| Net interest margin | 3.5478% | 3,351 |
| Noninterest income to average assets | 0.1634% | 5,141 |
| Noninterest expense to average assets | 2.9417% | 2,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3450% | 4,839 |
| Return on assets (ROA) | 0.3450% | 4,864 |
| Pretax return on assets | 0.4503% | 5,019 |
| Return on Equity (ROE) | 5.0786% | 4,131 |
| Retained earnings to average equity (ytd only) | 3.3679% | 3,276 |
| Net charge-offs to loans | 0.0060% | 3,869 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 546 |
| Efficiency ratio | 86.7238% | 600 |
| Assets per employee ($millions) | 4.0636% | 3,865 |
| Cash dividends to net income (ytd only)* | 33.6842% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 4,262 |
| Loan loss allowance to noncurrent loans | 186.9048% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 3,702 |
| Noncurrent loans to loans | 0.5041% | 3,010 |
| Net loans and leases to total assets | 58.0278% | 4,003 |
| Net loans and leases to deposits | 62.1648% | 4,436 |
| Net loans and leases to core deposits | 62.1648% | 4,646 |
| Total domestic deposits to total assets | 93.3451% | 26 |
| Equity capital to assets | 6.4792% | 5,616 |
| Core capital (leverage) ratio | 7.0245% | 5,602 |
| Tier 1 risk-based capital ratio | 10.8541% | 5,229 |
| Total risk-based capital ratio | 11.7356% | 5,282 |
| Memoranda: | ||
| Average total assets | $27,535,400 | 5,528 |
| Average earning assets | $25,057,800 | 5,508 |
| Average equity | $1,870,600 | 5,618 |
| Average total loans | $16,638,000 | 5,403 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7270% | 4,247 |
| Cost of funding earning assets | 0.2273% | 4,759 |
| Net interest margin | 3.4997% | 3,501 |
| Noninterest income to average assets | 0.1660% | 5,187 |
| Noninterest expense to average assets | 2.5633% | 3,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5713% | 4,500 |
| Return on assets (ROA) | 0.5713% | 4,540 |
| Pretax return on assets | 0.8349% | 4,256 |
| Return on Equity (ROE) | 8.3089% | 2,974 |
| Retained earnings to average equity (ytd only) | 6.3915% | 2,018 |
| Net charge-offs to loans | 0.0401% | 2,635 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 34.1814% | 1,450 |
| Efficiency ratio | 75.4310% | 1,674 |
| Assets per employee ($millions) | 3.8497% | 4,236 |
| Cash dividends to net income (ytd only)* | 23.0769% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9229% | 4,454 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 4,347 |
| Noncurrent loans to loans | 0.3076% | 3,838 |
| Net loans and leases to total assets | 60.9507% | 3,770 |
| Net loans and leases to deposits | 65.9056% | 4,262 |
| Net loans and leases to core deposits | 65.9056% | 4,487 |
| Total domestic deposits to total assets | 92.4818% | 38 |
| Equity capital to assets | 7.1916% | 5,645 |
| Core capital (leverage) ratio | 7.3219% | 5,637 |
| Tier 1 risk-based capital ratio | 11.3623% | 5,041 |
| Total risk-based capital ratio | 12.2493% | 5,138 |
| Memoranda: | ||
| Average total assets | $27,308,000 | 5,589 |
| Average earning assets | $25,220,750 | 5,568 |
| Average equity | $1,877,500 | 5,683 |
| Average total loans | $16,631,750 | 5,462 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6866% | 4,267 |
| Cost of funding earning assets | 0.2141% | 4,853 |
| Net interest margin | 3.4725% | 3,497 |
| Noninterest income to average assets | 0.1677% | 5,222 |
| Noninterest expense to average assets | 2.5813% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5323% | 4,602 |
| Return on assets (ROA) | 0.5323% | 4,635 |
| Pretax return on assets | 0.7802% | 4,340 |
| Return on Equity (ROE) | 7.8607% | 3,115 |
| Retained earnings to average equity (ytd only) | 4.9533% | 2,742 |
| Net charge-offs to loans | 0.0601% | 2,073 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 21.4000% | 1,753 |
| Efficiency ratio | 76.7896% | 1,609 |
| Assets per employee ($millions) | 3.8299% | 4,232 |
| Cash dividends to net income (ytd only)* | 36.9863% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 4,550 |
| 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 | 61.3824% | 3,703 |
| Net loans and leases to deposits | 66.2693% | 4,204 |
| Net loans and leases to core deposits | 66.2693% | 4,453 |
| Total domestic deposits to total assets | 92.6256% | 41 |
| Equity capital to assets | 7.0760% | 5,703 |
| Core capital (leverage) ratio | 7.0738% | 5,710 |
| Tier 1 risk-based capital ratio | 11.1649% | 5,169 |
| Total risk-based capital ratio | 12.0564% | 5,265 |
| Memoranda: | ||
| Average total assets | $27,428,000 | 5,633 |
| Average earning assets | $25,226,670 | 5,615 |
| Average equity | $1,857,330 | 5,732 |
| Average total loans | $16,649,670 | 5,507 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5821% | 4,463 |
| Cost of funding earning assets | 0.1877% | 5,091 |
| Net interest margin | 3.3944% | 3,670 |
| Noninterest income to average assets | 0.1731% | 5,242 |
| Noninterest expense to average assets | 2.6246% | 3,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4615% | 4,735 |
| Return on assets (ROA) | 0.4615% | 4,757 |
| Pretax return on assets | 0.6778% | 4,514 |
| Return on Equity (ROE) | 6.9660% | 3,413 |
| Retained earnings to average equity (ytd only) | 4.3537% | 3,242 |
| Net charge-offs to loans | 0.1200% | 1,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 9.4000% | 1,995 |
| Efficiency ratio | 79.4760% | 1,431 |
| Assets per employee ($millions) | 3.7949% | 4,353 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9048% | 4,739 |
| 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 | 63.0778% | 3,393 |
| Net loans and leases to deposits | 68.0447% | 3,985 |
| Net loans and leases to core deposits | 68.0447% | 4,294 |
| Total domestic deposits to total assets | 92.7006% | 49 |
| Equity capital to assets | 6.9718% | 5,759 |
| Core capital (leverage) ratio | 7.0630% | 5,763 |
| Tier 1 risk-based capital ratio | 10.7840% | 5,416 |
| Total risk-based capital ratio | 11.6570% | 5,506 |
| Memoranda: | ||
| Average total assets | $27,737,500 | 5,694 |
| Average earning assets | $25,571,500 | 5,677 |
| Average equity | $1,837,500 | 5,801 |
| Average total loans | $16,670,000 | 5,564 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5461% | 4,647 |
| Cost of funding earning assets | 0.1927% | 5,092 |
| Net interest margin | 3.3534% | 3,986 |
| Noninterest income to average assets | 0.1919% | 5,255 |
| Noninterest expense to average assets | 2.8743% | 2,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2926% | 5,237 |
| Return on assets (ROA) | 0.3010% | 5,282 |
| Pretax return on assets | 0.4063% | 5,222 |
| Return on Equity (ROE) | 4.3192% | 4,726 |
| Retained earnings to average equity (ytd only) | 3.7793% | 3,228 |
| Net charge-offs to loans | -0.0631% | 5,459 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9171% | 685 |
| Assets per employee ($millions) | 3.6139% | 4,591 |
| Cash dividends to net income (ytd only)* | 12.5000% | 3,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 4,519 |
| Loan loss allowance to noncurrent loans | 15,800.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 5,425 |
| Noncurrent loans to loans | 0.0061% | 5,289 |
| Net loans and leases to total assets | 56.2865% | 4,241 |
| Net loans and leases to deposits | 60.2302% | 4,656 |
| Net loans and leases to core deposits | 60.2302% | 4,852 |
| Total domestic deposits to total assets | 93.4523% | 30 |
| Equity capital to assets | 6.3056% | 5,844 |
| Core capital (leverage) ratio | 6.8556% | 5,822 |
| Tier 1 risk-based capital ratio | 10.6099% | 5,522 |
| Total risk-based capital ratio | 11.5064% | 5,616 |
| Memoranda: | ||
| Average total assets | $26,580,800 | 5,762 |
| Average earning assets | $24,392,800 | 5,742 |
| Average equity | $1,852,200 | 5,858 |
| Average total loans | $15,844,400 | 5,646 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5799% | 4,606 |
| Cost of funding earning assets | 0.1949% | 5,126 |
| Net interest margin | 3.3851% | 3,908 |
| Noninterest income to average assets | 0.2000% | 5,268 |
| Noninterest expense to average assets | 2.8001% | 3,010 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3785% | 5,098 |
| Return on assets (ROA) | 0.3898% | 5,145 |
| Pretax return on assets | 0.5333% | 5,055 |
| Return on Equity (ROE) | 5.4493% | 4,334 |
| Retained earnings to average equity (ytd only) | 4.7325% | 2,989 |
| Net charge-offs to loans | -0.0849% | 5,516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3895% | 957 |
| Assets per employee ($millions) | 3.6590% | 4,556 |
| Cash dividends to net income (ytd only)* | 13.1550% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 4,274 |
| 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 | 59.5791% | 3,931 |
| Net loans and leases to deposits | 64.6610% | 4,436 |
| Net loans and leases to core deposits | 64.6610% | 4,690 |
| Total domestic deposits to total assets | 92.1407% | 65 |
| Equity capital to assets | 7.4103% | 5,853 |
| Core capital (leverage) ratio | 7.3637% | 5,847 |
| Tier 1 risk-based capital ratio | 11.6796% | 4,989 |
| Total risk-based capital ratio | 12.6691% | 5,038 |
| Memoranda: | ||
| Average total assets | $25,998,250 | 5,830 |
| Average earning assets | $23,947,750 | 5,808 |
| Average equity | $1,859,500 | 5,921 |
| Average total loans | $15,697,750 | 5,704 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5760% | 4,665 |
| Cost of funding earning assets | 0.2010% | 5,129 |
| Net interest margin | 3.3750% | 3,983 |
| Noninterest income to average assets | 0.1990% | 5,306 |
| Noninterest expense to average assets | 2.8247% | 2,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3445% | 5,196 |
| Return on assets (ROA) | 0.3445% | 5,280 |
| Pretax return on assets | 0.4593% | 5,225 |
| Return on Equity (ROE) | 4.8736% | 4,566 |
| Retained earnings to average equity (ytd only) | 3.7906% | 3,479 |
| Net charge-offs to loans | -0.1267% | 5,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0140% | 880 |
| Assets per employee ($millions) | 3.5819% | 4,624 |
| Cash dividends to net income (ytd only)* | 22.2222% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 4,403 |
| Loan loss allowance to noncurrent loans | 427.0270% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 4,923 |
| Noncurrent loans to loans | 0.2390% | 4,492 |
| Net loans and leases to total assets | 61.1016% | 3,739 |
| Net loans and leases to deposits | 66.3376% | 4,323 |
| Net loans and leases to core deposits | 66.3376% | 4,581 |
| Total domestic deposits to total assets | 92.1070% | 75 |
| Equity capital to assets | 7.4622% | 5,919 |
| Core capital (leverage) ratio | 7.2498% | 5,919 |
| Tier 1 risk-based capital ratio | 11.2584% | 5,292 |
| Total risk-based capital ratio | 12.2277% | 5,361 |
| Memoranda: | ||
| Average total assets | $26,126,670 | 5,900 |
| Average earning assets | $23,881,670 | 5,880 |
| Average equity | $1,846,670 | 5,999 |
| Average total loans | $15,791,000 | 5,770 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5147% | 4,852 |
| Cost of funding earning assets | 0.1989% | 5,212 |
| Net interest margin | 3.3157% | 4,164 |
| Noninterest income to average assets | 0.2101% | 5,227 |
| Noninterest expense to average assets | 2.7764% | 3,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3602% | 5,110 |
| Return on assets (ROA) | 0.3602% | 5,194 |
| Pretax return on assets | 0.4352% | 5,237 |
| Return on Equity (ROE) | 5.2330% | 4,371 |
| Retained earnings to average equity (ytd only) | 5.2330% | 2,795 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4486% | 939 |
| Assets per employee ($millions) | 3.1348% | 5,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9479% | 4,863 |
| Loan loss allowance to noncurrent loans | 58.2031% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 1.0208% | 2,165 |
| Noncurrent loans to loans | 1.6286% | 1,409 |
| Net loans and leases to total assets | 62.0863% | 3,511 |
| Net loans and leases to deposits | 67.3385% | 4,121 |
| Net loans and leases to core deposits | 67.3385% | 4,448 |
| Total domestic deposits to total assets | 92.2003% | 91 |
| Equity capital to assets | 7.3969% | 5,964 |
| Core capital (leverage) ratio | 7.1100% | 5,985 |
| Tier 1 risk-based capital ratio | 11.1765% | 5,409 |
| Total risk-based capital ratio | 12.0895% | 5,497 |
| Memoranda: | ||
| Average total assets | $26,653,500 | 5,957 |
| Average earning assets | $24,127,500 | 5,937 |
| Average equity | $1,834,500 | 6,059 |
| Average total loans | $15,947,500 | 5,819 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6759% | 4,439 |
| Cost of funding earning assets | 0.2354% | 4,947 |
| Net interest margin | 3.4405% | 3,756 |
| Noninterest income to average assets | 0.2230% | 5,266 |
| Noninterest expense to average assets | 2.8760% | 2,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3251% | 5,286 |
| Return on assets (ROA) | 0.3422% | 5,325 |
| Pretax return on assets | 0.4614% | 5,199 |
| Return on Equity (ROE) | 4.8459% | 4,582 |
| Retained earnings to average equity (ytd only) | 3.5936% | 3,500 |
| Net charge-offs to loans | -0.0063% | 5,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7749% | 931 |
| Assets per employee ($millions) | 3.5286% | 4,780 |
| Cash dividends to net income (ytd only)* | 25.8427% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 5,027 |
| Loan loss allowance to noncurrent loans | 4,933.3333% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 5,663 |
| Noncurrent loans to loans | 0.0185% | 5,444 |
| Net loans and leases to total assets | 56.7785% | 4,224 |
| Net loans and leases to deposits | 60.9036% | 4,709 |
| Net loans and leases to core deposits | 60.9036% | 4,931 |
| Total domestic deposits to total assets | 93.2268% | 44 |
| Equity capital to assets | 6.4260% | 6,099 |
| Core capital (leverage) ratio | 6.8368% | 6,066 |
| Tier 1 risk-based capital ratio | 10.4245% | 5,811 |
| Total risk-based capital ratio | 11.2816% | 5,883 |
| Memoranda: | ||
| Average total assets | $26,008,200 | 6,017 |
| Average earning assets | $23,368,400 | 6,007 |
| Average equity | $1,836,600 | 6,117 |
| Average total loans | $15,803,000 | 5,868 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7655% | 4,198 |
| Cost of funding earning assets | 0.2460% | 4,922 |
| Net interest margin | 3.5195% | 3,469 |
| Noninterest income to average assets | 0.2410% | 5,202 |
| Noninterest expense to average assets | 2.6349% | 3,758 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5280% | 4,690 |
| Return on assets (ROA) | 0.5500% | 4,690 |
| Pretax return on assets | 0.7858% | 4,378 |
| Return on Equity (ROE) | 7.5994% | 3,286 |
| Retained earnings to average equity (ytd only) | 6.6582% | 1,858 |
| Net charge-offs to loans | -0.0085% | 4,936 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7434% | 1,979 |
| Assets per employee ($millions) | 3.0749% | 5,459 |
| Cash dividends to net income (ytd only)* | 12.3786% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8874% | 5,246 |
| Loan loss allowance to noncurrent loans | 2,960.0000% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 5,714 |
| Noncurrent loans to loans | 0.0300% | 5,504 |
| Net loans and leases to total assets | 67.1979% | 2,821 |
| Net loans and leases to deposits | 73.0705% | 3,642 |
| Net loans and leases to core deposits | 73.0705% | 4,098 |
| Total domestic deposits to total assets | 91.9631% | 101 |
| Equity capital to assets | 7.5572% | 6,065 |
| Core capital (leverage) ratio | 7.3444% | 6,082 |
| Tier 1 risk-based capital ratio | 10.4083% | 5,916 |
| Total risk-based capital ratio | 11.2524% | 5,995 |
| Memoranda: | ||
| Average total assets | $25,453,000 | 6,105 |
| Average earning assets | $22,767,750 | 6,096 |
| Average equity | $1,842,250 | 6,202 |
| Average total loans | $15,709,750 | 5,951 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7265% | 4,332 |
| Cost of funding earning assets | 0.2455% | 4,989 |
| Net interest margin | 3.4810% | 3,575 |
| Noninterest income to average assets | 0.2409% | 5,231 |
| Noninterest expense to average assets | 2.6187% | 3,856 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4973% | 4,782 |
| Return on assets (ROA) | 0.4973% | 4,887 |
| Pretax return on assets | 0.7071% | 4,633 |
| Return on Equity (ROE) | 6.9691% | 3,629 |
| Retained earnings to average equity (ytd only) | 5.5535% | 2,506 |
| Net charge-offs to loans | -0.0130% | 5,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7383% | 1,958 |
| Assets per employee ($millions) | 3.0294% | 5,560 |
| Cash dividends to net income (ytd only)* | 20.3125% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9263% | 5,194 |
| Loan loss allowance to noncurrent loans | 1,850.0000% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 5,735 |
| Noncurrent loans to loans | 0.0501% | 5,547 |
| Net loans and leases to total assets | 65.3188% | 3,076 |
| Net loans and leases to deposits | 71.9709% | 3,723 |
| Net loans and leases to core deposits | 71.9709% | 4,140 |
| Total domestic deposits to total assets | 90.7572% | 371 |
| Equity capital to assets | 7.5882% | 6,101 |
| Core capital (leverage) ratio | 7.0467% | 6,182 |
| Tier 1 risk-based capital ratio | 11.0554% | 5,686 |
| Total risk-based capital ratio | 11.9720% | 5,771 |
| Memoranda: | ||
| Average total assets | $25,737,670 | 6,177 |
| Average earning assets | $22,809,670 | 6,165 |
| Average equity | $1,836,670 | 6,275 |
| Average total loans | $15,387,000 | 6,019 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7563% | 4,176 |
| Cost of funding earning assets | 0.2481% | 5,043 |
| Net interest margin | 3.5082% | 3,404 |
| Noninterest income to average assets | 0.2567% | 5,120 |
| Noninterest expense to average assets | 2.4916% | 4,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5285% | 4,550 |
| Return on assets (ROA) | 0.5285% | 4,668 |
| Pretax return on assets | 0.7550% | 4,408 |
| Return on Equity (ROE) | 7.6273% | 3,152 |
| Retained earnings to average equity (ytd only) | 6.5377% | 2,217 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7442% | 2,389 |
| Assets per employee ($millions) | 3.1619% | 5,464 |
| Cash dividends to net income (ytd only)* | 14.2857% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 4,975 |
| Loan loss allowance to noncurrent loans | 2,100.0000% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 5,829 |
| Noncurrent loans to loans | 0.0480% | 5,591 |
| Net loans and leases to total assets | 57.0824% | 4,080 |
| Net loans and leases to deposits | 61.8479% | 4,584 |
| Net loans and leases to core deposits | 61.8479% | 4,846 |
| Total domestic deposits to total assets | 92.2949% | 118 |
| Equity capital to assets | 7.3177% | 6,219 |
| Core capital (leverage) ratio | 6.7111% | 6,267 |
| Tier 1 risk-based capital ratio | 11.1887% | 5,719 |
| Total risk-based capital ratio | 12.1216% | 5,791 |
| Memoranda: | ||
| Average total assets | $26,489,000 | 6,229 |
| Average earning assets | $22,575,500 | 6,237 |
| Average equity | $1,835,500 | 6,338 |
| Average total loans | $15,091,500 | 6,083 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0251% | 3,623 |
| Cost of funding earning assets | 0.2693% | 5,107 |
| Net interest margin | 3.7558% | 2,793 |
| Noninterest income to average assets | 0.2655% | 5,232 |
| Noninterest expense to average assets | 2.9089% | 3,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4161% | 5,172 |
| Return on assets (ROA) | 0.4161% | 5,236 |
| Pretax return on assets | 0.5628% | 5,065 |
| Return on Equity (ROE) | 5.9612% | 4,171 |
| Retained earnings to average equity (ytd only) | 5.1096% | 2,519 |
| Net charge-offs to loans | -0.0260% | 5,756 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7900% | 1,441 |
| Assets per employee ($millions) | 3.4604% | 4,963 |
| Cash dividends to net income (ytd only)* | 14.2857% | 4,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 5,319 |
| Loan loss allowance to noncurrent loans | 1,837.5000% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 5,928 |
| Noncurrent loans to loans | 0.0513% | 5,672 |
| Net loans and leases to total assets | 55.8104% | 4,362 |
| Net loans and leases to deposits | 59.9465% | 4,903 |
| Net loans and leases to core deposits | 59.9465% | 5,148 |
| Total domestic deposits to total assets | 93.1005% | 63 |
| Equity capital to assets | 6.5744% | 6,372 |
| Core capital (leverage) ratio | 6.8781% | 6,333 |
| Tier 1 risk-based capital ratio | 10.1636% | 6,211 |
| Total risk-based capital ratio | 11.0257% | 6,274 |
| Memoranda: | ||
| Average total assets | $25,232,600 | 6,338 |
| Average earning assets | $21,539,800 | 6,341 |
| Average equity | $1,761,400 | 6,432 |
| Average total loans | $15,367,200 | 6,155 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0349% | 3,616 |
| Cost of funding earning assets | 0.2690% | 5,215 |
| Net interest margin | 3.7659% | 2,752 |
| Noninterest income to average assets | 0.2654% | 5,305 |
| Noninterest expense to average assets | 2.7240% | 3,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6932% | 3,978 |
| Return on assets (ROA) | 0.6932% | 4,070 |
| Pretax return on assets | 0.8015% | 4,364 |
| Return on Equity (ROE) | 9.7701% | 2,323 |
| Retained earnings to average equity (ytd only) | 9.0070% | 1,003 |
| Net charge-offs to loans | -0.0348% | 5,792 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2657% | 2,308 |
| Assets per employee ($millions) | 2.9651% | 5,768 |
| Cash dividends to net income (ytd only)* | 7.8109% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 5,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 6,017 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 66.0048% | 2,867 |
| Net loans and leases to deposits | 71.7454% | 3,708 |
| Net loans and leases to core deposits | 71.7454% | 4,174 |
| Total domestic deposits to total assets | 91.9987% | 160 |
| Equity capital to assets | 7.6767% | 6,259 |
| Core capital (leverage) ratio | 7.1972% | 6,353 |
| Tier 1 risk-based capital ratio | 10.7202% | 6,121 |
| Total risk-based capital ratio | 11.6150% | 6,209 |
| Memoranda: | ||
| Average total assets | $24,620,000 | 6,422 |
| Average earning assets | $21,313,750 | 6,420 |
| Average equity | $1,746,750 | 6,509 |
| Average total loans | $15,309,750 | 6,224 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0147% | 3,673 |
| Cost of funding earning assets | 0.2861% | 5,122 |
| Net interest margin | 3.7286% | 2,847 |
| Noninterest income to average assets | 0.2649% | 5,309 |
| Noninterest expense to average assets | 2.7528% | 3,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5377% | 4,660 |
| Return on assets (ROA) | 0.5377% | 4,756 |
| Pretax return on assets | 0.6501% | 4,786 |
| Return on Equity (ROE) | 7.7816% | 3,216 |
| Retained earnings to average equity (ytd only) | 6.6202% | 1,967 |
| Net charge-offs to loans | -0.0396% | 5,777 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8962% | 1,895 |
| Assets per employee ($millions) | 3.5063% | 4,836 |
| Cash dividends to net income (ytd only)* | 14.9254% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 5,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 6,011 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 60.3488% | 3,662 |
| Net loans and leases to deposits | 65.3375% | 4,342 |
| Net loans and leases to core deposits | 65.3375% | 4,700 |
| Total domestic deposits to total assets | 92.3647% | 130 |
| Equity capital to assets | 7.2482% | 6,404 |
| Core capital (leverage) ratio | 6.8199% | 6,455 |
| Tier 1 risk-based capital ratio | 10.5381% | 6,239 |
| Total risk-based capital ratio | 11.4431% | 6,297 |
| Memoranda: | ||
| Average total assets | $24,919,670 | 6,482 |
| Average earning assets | $20,973,000 | 6,494 |
| Average equity | $1,722,000 | 6,577 |
| Average total loans | $15,145,000 | 6,283 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0489% | 3,479 |
| Cost of funding earning assets | 0.2851% | 5,217 |
| Net interest margin | 3.7638% | 2,620 |
| Noninterest income to average assets | 0.2549% | 5,324 |
| Noninterest expense to average assets | 2.7880% | 3,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5098% | 4,637 |
| Return on assets (ROA) | 0.5098% | 4,714 |
| Pretax return on assets | 0.6213% | 4,762 |
| Return on Equity (ROE) | 7.5583% | 3,167 |
| Retained earnings to average equity (ytd only) | 6.3773% | 2,340 |
| Net charge-offs to loans | -0.0525% | 5,823 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7757% | 1,956 |
| Assets per employee ($millions) | 3.6380% | 4,647 |
| Cash dividends to net income (ytd only)* | 15.6250% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 5,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 5,962 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 57.2018% | 3,969 |
| Net loans and leases to deposits | 61.4927% | 4,604 |
| Net loans and leases to core deposits | 61.4927% | 4,923 |
| Total domestic deposits to total assets | 93.0221% | 114 |
| Equity capital to assets | 6.7148% | 6,498 |
| Core capital (leverage) ratio | 6.7350% | 6,516 |
| Tier 1 risk-based capital ratio | 10.2134% | 6,424 |
| Total risk-based capital ratio | 11.1002% | 6,485 |
| Memoranda: | ||
| Average total assets | $25,107,500 | 6,547 |
| Average earning assets | $21,042,500 | 6,561 |
| Average equity | $1,693,500 | 6,642 |
| Average total loans | $15,238,500 | 6,342 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7382% | 5,008 |
| Cost of funding earning assets | 0.3141% | 5,475 |
| Net interest margin | 3.4241% | 4,185 |
| Noninterest income to average assets | 0.2919% | 5,264 |
| Noninterest expense to average assets | 2.8285% | 3,624 |
| Loan and lease loss provision to assets | 0.0079% | 4,964 |
| Net operating income to assets | 0.3393% | 5,381 |
| Return on assets (ROA) | 0.3393% | 5,486 |
| Pretax return on assets | 0.4655% | 5,309 |
| Return on Equity (ROE) | 5.1571% | 4,557 |
| Retained earnings to average equity (ytd only) | 4.5574% | 2,920 |
| Net charge-offs to loans | -0.0336% | 6,248 |
| Credit loss provision to net charge-offs | -40.0000% | 5,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6631% | 1,442 |
| Assets per employee ($millions) | 3.0936% | 5,683 |
| Cash dividends to net income (ytd only)* | 11.6279% | 3,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9071% | 5,901 |
| Loan loss allowance to noncurrent loans | 1,021.4286% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 5,857 |
| Noncurrent loans to loans | 0.0888% | 5,950 |
| Net loans and leases to total assets | 63.1217% | 3,194 |
| Net loans and leases to deposits | 68.8497% | 3,928 |
| Net loans and leases to core deposits | 68.8497% | 4,413 |
| Total domestic deposits to total assets | 91.6805% | 359 |
| Equity capital to assets | 6.7760% | 6,518 |
| Core capital (leverage) ratio | 6.5960% | 6,584 |
| Tier 1 risk-based capital ratio | 9.9419% | 6,530 |
| Total risk-based capital ratio | 10.8072% | 6,580 |
| Memoranda: | ||
| Average total assets | $25,349,000 | 6,620 |
| Average earning assets | $22,283,400 | 6,614 |
| Average equity | $1,667,600 | 6,735 |
| Average total loans | $14,861,400 | 6,427 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6151% | 5,404 |
| Cost of funding earning assets | 0.3151% | 5,598 |
| Net interest margin | 3.2999% | 4,636 |
| Noninterest income to average assets | 0.3137% | 5,196 |
| Noninterest expense to average assets | 2.5778% | 4,469 |
| Loan and lease loss provision to assets | 0.0105% | 4,782 |
| Net operating income to assets | 0.4915% | 4,833 |
| Return on assets (ROA) | 0.4915% | 4,991 |
| Pretax return on assets | 0.6275% | 4,922 |
| Return on Equity (ROE) | 7.5262% | 3,368 |
| Retained earnings to average equity (ytd only) | 6.7257% | 2,017 |
| Net charge-offs to loans | -0.0273% | 6,144 |
| Credit loss provision to net charge-offs | -66.6667% | 5,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1626% | 2,071 |
| Assets per employee ($millions) | 3.5746% | 4,701 |
| Cash dividends to net income (ytd only)* | 10.6359% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 6,010 |
| Loan loss allowance to noncurrent loans | 1,007.1429% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 5,972 |
| Noncurrent loans to loans | 0.0912% | 6,060 |
| Net loans and leases to total assets | 60.7625% | 3,569 |
| Net loans and leases to deposits | 65.3767% | 4,372 |
| Net loans and leases to core deposits | 65.3767% | 4,766 |
| Total domestic deposits to total assets | 92.9422% | 128 |
| Equity capital to assets | 6.7581% | 6,601 |
| Core capital (leverage) ratio | 6.3620% | 6,683 |
| Tier 1 risk-based capital ratio | 10.3188% | 6,502 |
| Total risk-based capital ratio | 11.2000% | 6,574 |
| Memoranda: | ||
| Average total assets | $25,499,000 | 6,692 |
| Average earning assets | $22,424,250 | 6,688 |
| Average equity | $1,665,250 | 6,814 |
| Average total loans | $14,635,500 | 6,498 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4667% | 5,754 |
| Cost of funding earning assets | 0.3087% | 5,758 |
| Net interest margin | 3.1580% | 5,095 |
| Noninterest income to average assets | 0.3196% | 5,149 |
| Noninterest expense to average assets | 2.4710% | 4,831 |
| Loan and lease loss provision to assets | 0.0156% | 4,583 |
| Net operating income to assets | 0.4677% | 4,934 |
| Return on assets (ROA) | 0.4677% | 5,115 |
| Pretax return on assets | 0.6236% | 4,935 |
| Return on Equity (ROE) | 7.2434% | 3,472 |
| Retained earnings to average equity (ytd only) | 6.0362% | 2,417 |
| Net charge-offs to loans | 0.0278% | 4,305 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 916 |
| Efficiency ratio | 79.4486% | 2,231 |
| Assets per employee ($millions) | 3.6724% | 4,467 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 6,123 |
| Loan loss allowance to noncurrent loans | 971.4286% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 6,036 |
| Noncurrent loans to loans | 0.0931% | 6,123 |
| Net loans and leases to total assets | 57.9959% | 3,985 |
| Net loans and leases to deposits | 62.1986% | 4,714 |
| Net loans and leases to core deposits | 64.9064% | 4,799 |
| Total domestic deposits to total assets | 93.2431% | 109 |
| Equity capital to assets | 6.4924% | 6,691 |
| Core capital (leverage) ratio | 6.1509% | 6,738 |
| Tier 1 risk-based capital ratio | 10.0603% | 6,619 |
| Total risk-based capital ratio | 10.9065% | 6,682 |
| Memoranda: | ||
| Average total assets | $25,658,000 | 6,738 |
| Average earning assets | $22,672,670 | 6,727 |
| Average equity | $1,656,670 | 6,866 |
| Average total loans | $14,399,000 | 6,549 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4470% | 5,840 |
| Cost of funding earning assets | 0.3215% | 5,793 |
| Net interest margin | 3.1255% | 5,175 |
| Noninterest income to average assets | 0.2809% | 5,451 |
| Noninterest expense to average assets | 2.4655% | 4,884 |
| Loan and lease loss provision to assets | 0.0312% | 4,059 |
| Net operating income to assets | 0.3901% | 5,165 |
| Return on assets (ROA) | 0.3901% | 5,312 |
| Pretax return on assets | 0.5150% | 5,209 |
| Return on Equity (ROE) | 6.0588% | 4,010 |
| Retained earnings to average equity (ytd only) | 3.6353% | 4,062 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8653% | 2,052 |
| Assets per employee ($millions) | 3.2133% | 5,600 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 6,006 |
| Loan loss allowance to noncurrent loans | 817.6471% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 6,084 |
| Noncurrent loans to loans | 0.1215% | 6,108 |
| Net loans and leases to total assets | 53.8824% | 4,439 |
| Net loans and leases to deposits | 57.7799% | 5,067 |
| Net loans and leases to core deposits | 57.7799% | 5,360 |
| Total domestic deposits to total assets | 93.2545% | 107 |
| Equity capital to assets | 6.4265% | 6,793 |
| Core capital (leverage) ratio | 6.5372% | 6,742 |
| Tier 1 risk-based capital ratio | 11.4663% | 6,203 |
| Total risk-based capital ratio | 12.4737% | 6,281 |
| Memoranda: | ||
| Average total assets | $25,633,500 | 6,805 |
| Average earning assets | $22,396,500 | 6,805 |
| Average equity | $1,650,500 | 6,936 |
| Average total loans | $14,076,000 | 6,619 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4650% | 3,548 |
| Cost of funding earning assets | 0.4444% | 5,631 |
| Net interest margin | 4.0206% | 2,315 |
| Noninterest income to average assets | 0.3393% | 5,031 |
| Noninterest expense to average assets | 3.1835% | 2,669 |
| Loan and lease loss provision to assets | 0.0179% | 5,681 |
| Net operating income to assets | 0.4122% | 5,050 |
| Return on assets (ROA) | 0.4197% | 5,272 |
| Pretax return on assets | 0.5001% | 5,280 |
| Return on Equity (ROE) | 5.7520% | 4,277 |
| Retained earnings to average equity (ytd only) | 4.2222% | 3,255 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2152% | 1,409 |
| Assets per employee ($millions) | 3.1951% | 5,632 |
| Cash dividends to net income (ytd only)* | 26.5957% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 6,091 |
| Loan loss allowance to noncurrent loans | 1,511.1111% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 6,232 |
| Noncurrent loans to loans | 0.0636% | 6,330 |
| Net loans and leases to total assets | 54.8727% | 4,475 |
| Net loans and leases to deposits | 58.8858% | 5,141 |
| Net loans and leases to core deposits | 58.8858% | 5,464 |
| Total domestic deposits to total assets | 93.1849% | 110 |
| Equity capital to assets | 6.4512% | 6,850 |
| Core capital (leverage) ratio | 6.8022% | 6,745 |
| Tier 1 risk-based capital ratio | 10.2346% | 6,639 |
| Total risk-based capital ratio | 11.1235% | 6,699 |
| Memoranda: | ||
| Average total assets | $22,396,400 | 6,921 |
| Average earning assets | $18,678,800 | 6,929 |
| Average equity | $1,634,200 | 7,009 |
| Average total loans | $13,341,800 | 6,720 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5435% | 3,451 |
| Cost of funding earning assets | 0.4602% | 5,724 |
| Net interest margin | 4.0833% | 2,152 |
| Noninterest income to average assets | 0.3456% | 5,048 |
| Noninterest expense to average assets | 3.0301% | 3,128 |
| Loan and lease loss provision to assets | 0.0062% | 5,734 |
| Net operating income to assets | 0.6193% | 4,302 |
| Return on assets (ROA) | 0.6295% | 4,500 |
| Pretax return on assets | 0.7714% | 4,592 |
| Return on Equity (ROE) | 8.3410% | 3,109 |
| Retained earnings to average equity (ytd only) | 6.2962% | 2,488 |
| Net charge-offs to loans | -0.0101% | 6,368 |
| Credit loss provision to net charge-offs | -100.0000% | 6,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8374% | 2,119 |
| Assets per employee ($millions) | 2.7613% | 6,408 |
| Cash dividends to net income (ytd only)* | 24.5074% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 6,158 |
| Loan loss allowance to noncurrent loans | 1,340.0000% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 6,308 |
| Noncurrent loans to loans | 0.0731% | 6,436 |
| Net loans and leases to total assets | 61.3128% | 3,513 |
| Net loans and leases to deposits | 66.7685% | 4,367 |
| Net loans and leases to core deposits | 66.7685% | 4,870 |
| Total domestic deposits to total assets | 91.8289% | 229 |
| Equity capital to assets | 7.6098% | 6,743 |
| Core capital (leverage) ratio | 7.2689% | 6,726 |
| Tier 1 risk-based capital ratio | 11.2292% | 6,388 |
| Total risk-based capital ratio | 12.1852% | 6,485 |
| Memoranda: | ||
| Average total assets | $21,605,250 | 7,028 |
| Average earning assets | $18,252,750 | 7,025 |
| Average equity | $1,630,500 | 7,104 |
| Average total loans | $13,136,750 | 6,824 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4710% | 3,899 |
| Cost of funding earning assets | 0.4712% | 5,821 |
| Net interest margin | 3.9998% | 2,504 |
| Noninterest income to average assets | 0.3917% | 4,715 |
| Noninterest expense to average assets | 2.9566% | 3,418 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6387% | 4,177 |
| Return on assets (ROA) | 0.6529% | 4,357 |
| Pretax return on assets | 0.8581% | 4,243 |
| Return on Equity (ROE) | 8.6759% | 2,954 |
| Retained earnings to average equity (ytd only) | 5.5773% | 2,943 |
| Net charge-offs to loans | -0.0154% | 6,375 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8870% | 2,471 |
| Assets per employee ($millions) | 3.0539% | 5,944 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 6,294 |
| Loan loss allowance to noncurrent loans | 1,330.0000% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.2012% | 6,283 |
| Noncurrent loans to loans | 0.0722% | 6,486 |
| Net loans and leases to total assets | 64.1905% | 2,994 |
| Net loans and leases to deposits | 69.8534% | 3,914 |
| Net loans and leases to core deposits | 69.8534% | 4,544 |
| Total domestic deposits to total assets | 91.8932% | 240 |
| Equity capital to assets | 7.6297% | 6,750 |
| Core capital (leverage) ratio | 7.2739% | 6,732 |
| Tier 1 risk-based capital ratio | 11.3491% | 6,314 |
| Total risk-based capital ratio | 12.3280% | 6,431 |
| Memoranda: | ||
| Average total assets | $21,443,670 | 7,090 |
| Average earning assets | $18,251,000 | 7,085 |
| Average equity | $1,613,670 | 7,158 |
| Average total loans | $12,956,330 | 6,886 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4416% | 4,156 |
| Cost of funding earning assets | 0.4664% | 6,044 |
| Net interest margin | 3.9752% | 2,609 |
| Noninterest income to average assets | 0.3911% | 4,732 |
| Noninterest expense to average assets | 2.8496% | 3,825 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6254% | 4,238 |
| Return on assets (ROA) | 0.6519% | 4,328 |
| Pretax return on assets | 0.9126% | 3,989 |
| Return on Equity (ROE) | 8.7227% | 2,939 |
| Retained earnings to average equity (ytd only) | 8.7227% | 1,690 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5000% | 2,713 |
| Assets per employee ($millions) | 3.0526% | 6,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0711% | 6,004 |
| Loan loss allowance to noncurrent loans | 455.1724% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.2902% | 6,163 |
| Noncurrent loans to loans | 0.2353% | 6,221 |
| Net loans and leases to total assets | 57.0573% | 4,213 |
| Net loans and leases to deposits | 62.0742% | 4,909 |
| Net loans and leases to core deposits | 62.0742% | 5,317 |
| Total domestic deposits to total assets | 91.9178% | 277 |
| Equity capital to assets | 7.5908% | 6,748 |
| Core capital (leverage) ratio | 7.4695% | 6,654 |
| Tier 1 risk-based capital ratio | 12.3112% | 5,749 |
| Total risk-based capital ratio | 13.3719% | 5,859 |
| Memoranda: | ||
| Average total assets | $21,477,000 | 7,147 |
| Average earning assets | $18,011,500 | 7,149 |
| Average equity | $1,605,000 | 7,218 |
| Average total loans | $12,507,000 | 6,957 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6733% | 4,360 |
| Cost of funding earning assets | 0.5654% | 6,263 |
| Net interest margin | 4.1079% | 2,397 |
| Noninterest income to average assets | 0.3448% | 5,053 |
| Noninterest expense to average assets | 3.3626% | 2,331 |
| Loan and lease loss provision to assets | 0.0200% | 6,319 |
| Net operating income to assets | 0.4447% | 4,673 |
| Return on assets (ROA) | 0.4447% | 4,878 |
| Pretax return on assets | 0.5196% | 4,935 |
| Return on Equity (ROE) | 5.7000% | 4,026 |
| Retained earnings to average equity (ytd only) | 4.0989% | 3,274 |
| Net charge-offs to loans | 0.5549% | 2,794 |
| Credit loss provision to net charge-offs | 6.4516% | 6,032 |
| Earnings coverage of net charge-offs (x) | 1.7419% | 4,469 |
| Efficiency ratio | 86.1716% | 1,543 |
| Assets per employee ($millions) | 3.0837% | 5,925 |
| Cash dividends to net income (ytd only)* | 28.0899% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 6,033 |
| Loan loss allowance to noncurrent loans | 440.0000% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 6,238 |
| Noncurrent loans to loans | 0.2364% | 6,265 |
| Net loans and leases to total assets | 58.1766% | 4,341 |
| Net loans and leases to deposits | 66.8690% | 4,609 |
| Net loans and leases to core deposits | 66.8690% | 5,163 |
| Total domestic deposits to total assets | 87.0008% | 2,762 |
| Equity capital to assets | 7.3566% | 6,866 |
| Core capital (leverage) ratio | 7.6098% | 6,596 |
| Tier 1 risk-based capital ratio | 12.2025% | 5,690 |
| Total risk-based capital ratio | 13.2784% | 5,797 |
| Memoranda: | ||
| Average total assets | $20,014,000 | 7,206 |
| Average earning assets | $17,332,600 | 7,197 |
| Average equity | $1,561,400 | 7,280 |
| Average total loans | $11,174,000 | 7,073 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7125% | 4,399 |
| Cost of funding earning assets | 0.5939% | 6,309 |
| Net interest margin | 4.1185% | 2,401 |
| Noninterest income to average assets | 0.4145% | 4,548 |
| Noninterest expense to average assets | 3.1666% | 2,935 |
| Loan and lease loss provision to assets | 0.0272% | 6,100 |
| Net operating income to assets | 0.6591% | 3,831 |
| Return on assets (ROA) | 0.6591% | 4,000 |
| Pretax return on assets | 0.8018% | 4,124 |
| Return on Equity (ROE) | 8.3184% | 2,908 |
| Retained earnings to average equity (ytd only) | 7.0320% | 1,951 |
| Net charge-offs to loans | 0.7657% | 2,034 |
| Credit loss provision to net charge-offs | 6.4516% | 5,694 |
| Earnings coverage of net charge-offs (x) | 1.9678% | 4,178 |
| Efficiency ratio | 79.2517% | 2,370 |
| Assets per employee ($millions) | 2.6701% | 6,697 |
| Cash dividends to net income (ytd only)* | 15.4643% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 5,730 |
| Loan loss allowance to noncurrent loans | 425.8065% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.3959% | 6,088 |
| Noncurrent loans to loans | 0.2674% | 6,338 |
| Net loans and leases to total assets | 61.3183% | 3,882 |
| Net loans and leases to deposits | 67.6644% | 4,669 |
| Net loans and leases to core deposits | 67.6644% | 5,215 |
| Total domestic deposits to total assets | 90.6212% | 580 |
| Equity capital to assets | 8.7261% | 6,055 |
| Core capital (leverage) ratio | 7.9035% | 6,482 |
| Tier 1 risk-based capital ratio | 13.1732% | 4,970 |
| Total risk-based capital ratio | 14.3218% | 5,016 |
| Memoranda: | ||
| Average total assets | $19,621,000 | 7,285 |
| Average earning assets | $17,060,750 | 7,278 |
| Average equity | $1,554,750 | 7,354 |
| Average total loans | $10,795,000 | 7,159 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5852% | 5,033 |
| Cost of funding earning assets | 0.6082% | 6,418 |
| Net interest margin | 3.9769% | 2,959 |
| Noninterest income to average assets | 0.4114% | 4,581 |
| Noninterest expense to average assets | 3.1007% | 3,253 |
| Loan and lease loss provision to assets | 0.0401% | 5,808 |
| Net operating income to assets | 0.5820% | 4,143 |
| Return on assets (ROA) | 0.5820% | 4,274 |
| Pretax return on assets | 0.6824% | 4,453 |
| Return on Equity (ROE) | 7.5850% | 3,148 |
| Retained earnings to average equity (ytd only) | 5.6234% | 2,629 |
| Net charge-offs to loans | 1.2537% | 1,242 |
| Credit loss provision to net charge-offs | 6.0606% | 5,283 |
| Earnings coverage of net charge-offs (x) | 1.0909% | 4,462 |
| Efficiency ratio | 81.1024% | 2,228 |
| Assets per employee ($millions) | 2.7404% | 6,583 |
| Cash dividends to net income (ytd only)* | 25.8621% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 5,841 |
| Loan loss allowance to noncurrent loans | 297.6744% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.4744% | 5,970 |
| Noncurrent loans to loans | 0.3786% | 6,146 |
| Net loans and leases to total assets | 58.5362% | 4,536 |
| Net loans and leases to deposits | 64.0778% | 5,262 |
| Net loans and leases to core deposits | 64.0778% | 5,713 |
| Total domestic deposits to total assets | 91.3517% | 379 |
| Equity capital to assets | 8.1583% | 6,546 |
| Core capital (leverage) ratio | 7.6086% | 6,659 |
| Tier 1 risk-based capital ratio | 13.1614% | 4,795 |
| Total risk-based capital ratio | 14.3036% | 4,857 |
| Memoranda: | ||
| Average total assets | $19,931,000 | 7,354 |
| Average earning assets | $17,098,670 | 7,347 |
| Average equity | $1,529,330 | 7,430 |
| Average total loans | $10,529,000 | 7,240 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4884% | 5,376 |
| Cost of funding earning assets | 0.6345% | 6,453 |
| Net interest margin | 3.8539% | 3,362 |
| Noninterest income to average assets | 0.3743% | 4,918 |
| Noninterest expense to average assets | 2.9943% | 3,666 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5122% | 4,446 |
| Return on assets (ROA) | 0.5122% | 4,525 |
| Pretax return on assets | 0.6107% | 4,644 |
| Return on Equity (ROE) | 6.8806% | 3,446 |
| Retained earnings to average equity (ytd only) | 2.9110% | 4,413 |
| Net charge-offs to loans | 2.4518% | 474 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 4,244 |
| Efficiency ratio | 83.0601% | 2,070 |
| Assets per employee ($millions) | 2.8831% | 6,390 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 5,307 |
| Loan loss allowance to noncurrent loans | 278.2609% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.4658% | 6,053 |
| Noncurrent loans to loans | 0.4556% | 6,099 |
| Net loans and leases to total assets | 49.3955% | 5,919 |
| Net loans and leases to deposits | 53.6834% | 6,322 |
| Net loans and leases to core deposits | 53.6834% | 6,574 |
| Total domestic deposits to total assets | 92.0127% | 281 |
| Equity capital to assets | 7.5463% | 6,846 |
| Core capital (leverage) ratio | 7.2308% | 6,903 |
| Tier 1 risk-based capital ratio | 14.4762% | 3,754 |
| Total risk-based capital ratio | 15.7293% | 3,713 |
| Memoranda: | ||
| Average total assets | $20,305,000 | 7,396 |
| Average earning assets | $17,021,500 | 7,408 |
| Average equity | $1,511,500 | 7,489 |
| Average total loans | $10,115,000 | 7,314 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8571% | 5,205 |
| Cost of funding earning assets | 0.8126% | 6,509 |
| Net interest margin | 4.0446% | 2,823 |
| Noninterest income to average assets | 0.3636% | 5,200 |
| Noninterest expense to average assets | 3.4081% | 2,417 |
| Loan and lease loss provision to assets | 0.3310% | 4,170 |
| Net operating income to assets | 0.2334% | 5,169 |
| Return on assets (ROA) | 0.2334% | 5,319 |
| Pretax return on assets | 0.2442% | 5,372 |
| Return on Equity (ROE) | 2.8182% | 5,029 |
| Retained earnings to average equity (ytd only) | 1.1797% | 4,955 |
| Net charge-offs to loans | 0.2178% | 4,988 |
| Credit loss provision to net charge-offs | 277.2727% | 981 |
| Earnings coverage of net charge-offs (x) | 4.8182% | 2,792 |
| Efficiency ratio | 85.5586% | 1,740 |
| Assets per employee ($millions) | 2.9183% | 6,277 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8751% | 2,632 |
| Loan loss allowance to noncurrent loans | 240.5063% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.6217% | 5,768 |
| Noncurrent loans to loans | 0.7796% | 5,483 |
| Net loans and leases to total assets | 48.6734% | 6,314 |
| Net loans and leases to deposits | 52.7900% | 6,686 |
| Net loans and leases to core deposits | 52.7900% | 6,866 |
| Total domestic deposits to total assets | 92.2019% | 238 |
| Equity capital to assets | 7.3429% | 6,978 |
| Core capital (leverage) ratio | 7.2282% | 6,891 |
| Tier 1 risk-based capital ratio | 13.4000% | 4,291 |
| Total risk-based capital ratio | 14.6531% | 4,247 |
| Memoranda: | ||
| Average total assets | $18,426,800 | 7,503 |
| Average earning assets | $16,491,200 | 7,488 |
| Average equity | $1,525,800 | 7,584 |
| Average total loans | $10,100,800 | 7,389 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9781% | 4,915 |
| Cost of funding earning assets | 0.8475% | 6,589 |
| Net interest margin | 4.1306% | 2,487 |
| Noninterest income to average assets | 0.3793% | 5,119 |
| Noninterest expense to average assets | 3.2354% | 2,796 |
| Loan and lease loss provision to assets | 0.1934% | 5,105 |
| Net operating income to assets | 0.5727% | 3,992 |
| Return on assets (ROA) | 0.5727% | 4,159 |
| Pretax return on assets | 0.6842% | 4,286 |
| Return on Equity (ROE) | 6.7000% | 3,480 |
| Retained earnings to average equity (ytd only) | 4.5247% | 3,324 |
| Net charge-offs to loans | 0.2906% | 4,204 |
| Credit loss provision to net charge-offs | 118.1818% | 3,510 |
| Earnings coverage of net charge-offs (x) | 5.3641% | 2,762 |
| Efficiency ratio | 78.6618% | 2,536 |
| Assets per employee ($millions) | 2.5490% | 7,012 |
| Cash dividends to net income (ytd only)* | 32.4664% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5638% | 3,689 |
| Loan loss allowance to noncurrent loans | 215.2778% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 5,772 |
| Noncurrent loans to loans | 0.7264% | 5,754 |
| Net loans and leases to total assets | 54.6825% | 5,746 |
| Net loans and leases to deposits | 60.3178% | 6,284 |
| Net loans and leases to core deposits | 62.2456% | 6,440 |
| Total domestic deposits to total assets | 90.6574% | 568 |
| Equity capital to assets | 8.6925% | 6,031 |
| Core capital (leverage) ratio | 8.0773% | 6,235 |
| Tier 1 risk-based capital ratio | 14.8047% | 3,340 |
| Total risk-based capital ratio | 16.0561% | 3,319 |
| Memoranda: | ||
| Average total assets | $17,926,500 | 7,606 |
| Average earning assets | $16,204,000 | 7,588 |
| Average equity | $1,532,250 | 7,684 |
| Average total loans | $10,092,750 | 7,490 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 5,545 |
| Cost of funding earning assets | 0.8519% | 6,750 |
| Net interest margin | 4.0161% | 2,941 |
| Noninterest income to average assets | 0.3565% | 5,296 |
| Noninterest expense to average assets | 3.1859% | 2,958 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7018% | 3,398 |
| Return on assets (ROA) | 0.7018% | 3,555 |
| Pretax return on assets | 0.8466% | 3,720 |
| Return on Equity (ROE) | 8.2569% | 2,782 |
| Retained earnings to average equity (ytd only) | 4.9803% | 2,913 |
| Net charge-offs to loans | 0.2167% | 4,304 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 6.9091% | 2,388 |
| Efficiency ratio | 79.0055% | 2,572 |
| Assets per employee ($millions) | 2.1789% | 7,459 |
| Cash dividends to net income (ytd only)* | 39.6825% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 4,638 |
| Loan loss allowance to noncurrent loans | 170.7317% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.7458% | 5,631 |
| Noncurrent loans to loans | 0.7950% | 5,687 |
| Net loans and leases to total assets | 58.3673% | 5,360 |
| Net loans and leases to deposits | 64.6091% | 5,967 |
| Net loans and leases to core deposits | 64.6091% | 6,352 |
| Total domestic deposits to total assets | 90.3391% | 752 |
| Equity capital to assets | 8.9209% | 5,570 |
| Core capital (leverage) ratio | 7.7989% | 6,499 |
| Tier 1 risk-based capital ratio | 14.2088% | 3,601 |
| Total risk-based capital ratio | 15.4614% | 3,563 |
| Memoranda: | ||
| Average total assets | $17,954,330 | 7,672 |
| Average earning assets | $16,433,670 | 7,649 |
| Average equity | $1,526,000 | 7,751 |
| Average total loans | $10,153,000 | 7,547 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6510% | 6,407 |
| Cost of funding earning assets | 0.8812% | 6,839 |
| Net interest margin | 3.7698% | 3,920 |
| Noninterest income to average assets | 0.1976% | 6,546 |
| Noninterest expense to average assets | 2.9425% | 3,899 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5270% | 4,252 |
| Return on assets (ROA) | 0.5270% | 4,391 |
| Pretax return on assets | 0.6368% | 4,465 |
| Return on Equity (ROE) | 6.3513% | 3,701 |
| Retained earnings to average equity (ytd only) | 3.7049% | 3,934 |
| Net charge-offs to loans | 0.4368% | 2,741 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.6364% | 3,218 |
| Efficiency ratio | 82.2086% | 2,251 |
| Assets per employee ($millions) | 2.3331% | 7,414 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 4,070 |
| Loan loss allowance to noncurrent loans | 466.6667% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.4179% | 6,421 |
| Noncurrent loans to loans | 0.3150% | 6,680 |
| Net loans and leases to total assets | 50.2759% | 6,438 |
| Net loans and leases to deposits | 55.0801% | 6,838 |
| Net loans and leases to core deposits | 55.0801% | 7,044 |
| Total domestic deposits to total assets | 91.2778% | 447 |
| Equity capital to assets | 8.1489% | 6,495 |
| Core capital (leverage) ratio | 7.6745% | 6,655 |
| Tier 1 risk-based capital ratio | 14.5312% | 3,360 |
| Total risk-based capital ratio | 15.7820% | 3,327 |
| Memoranda: | ||
| Average total assets | $18,216,000 | 7,769 |
| Average earning assets | $16,340,500 | 7,746 |
| Average equity | $1,511,500 | 7,840 |
| Average total loans | $10,072,500 | 7,648 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3772% | 4,802 |
| Cost of funding earning assets | 1.1364% | 6,861 |
| Net interest margin | 4.2408% | 1,932 |
| Noninterest income to average assets | 0.1634% | 6,906 |
| Noninterest expense to average assets | 3.5500% | 2,271 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3309% | 4,411 |
| Return on assets (ROA) | 0.3606% | 4,387 |
| Pretax return on assets | 0.4114% | 4,465 |
| Return on Equity (ROE) | 4.3591% | 3,941 |
| Retained earnings to average equity (ytd only) | 2.6563% | 3,290 |
| Net charge-offs to loans | 0.2511% | 5,050 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 2.4815% | 3,883 |
| Efficiency ratio | 90.3874% | 1,678 |
| Assets per employee ($millions) | 2.5381% | 7,138 |
| Cash dividends to net income (ytd only)* | 39.0625% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 4,113 |
| Loan loss allowance to noncurrent loans | 387.1795% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.5234% | 6,143 |
| Noncurrent loans to loans | 0.3672% | 6,544 |
| Net loans and leases to total assets | 58.9295% | 5,500 |
| Net loans and leases to deposits | 64.8418% | 6,174 |
| Net loans and leases to core deposits | 69.5589% | 6,800 |
| Total domestic deposits to total assets | 90.8820% | 579 |
| Equity capital to assets | 8.4539% | 5,962 |
| Core capital (leverage) ratio | 7.6470% | 6,622 |
| Tier 1 risk-based capital ratio | 13.7659% | 3,649 |
| Total risk-based capital ratio | 15.0209% | 3,588 |
| Memoranda: | ||
| Average total assets | $17,746,400 | 7,833 |
| Average earning assets | $15,751,600 | 7,825 |
| Average equity | $1,468,200 | 7,935 |
| Average total loans | $10,754,800 | 7,667 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4282% | 4,803 |
| Cost of funding earning assets | 1.1874% | 6,925 |
| Net interest margin | 4.2408% | 1,902 |
| Noninterest income to average assets | 0.0977% | 7,415 |
| Noninterest expense to average assets | 3.2541% | 3,110 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4335% | 4,264 |
| Return on assets (ROA) | 0.4659% | 4,235 |
| Pretax return on assets | 0.6463% | 4,034 |
| Return on Equity (ROE) | 5.6626% | 3,664 |
| Retained earnings to average equity (ytd only) | 3.3793% | 3,413 |
| Net charge-offs to loans | -0.0618% | 7,880 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4055% | 2,250 |
| Assets per employee ($millions) | 2.4579% | 7,294 |
| Cash dividends to net income (ytd only)* | 40.3218% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 2,791 |
| Loan loss allowance to noncurrent loans | 269.1176% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.7091% | 5,710 |
| Noncurrent loans to loans | 0.6144% | 6,079 |
| Net loans and leases to total assets | 63.2665% | 5,023 |
| Net loans and leases to deposits | 69.9460% | 5,926 |
| Net loans and leases to core deposits | 75.7481% | 6,632 |
| Total domestic deposits to total assets | 90.4505% | 608 |
| Equity capital to assets | 8.7533% | 5,876 |
| Core capital (leverage) ratio | 8.0325% | 6,303 |
| Tier 1 risk-based capital ratio | 14.0569% | 3,516 |
| Total risk-based capital ratio | 15.3104% | 3,460 |
| Memoranda: | ||
| Average total assets | $17,741,250 | 7,914 |
| Average earning assets | $15,720,000 | 7,905 |
| Average equity | $1,459,750 | 8,019 |
| Average total loans | $10,788,250 | 7,741 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3904% | 5,197 |
| Cost of funding earning assets | 1.2303% | 7,018 |
| Net interest margin | 4.1601% | 2,123 |
| Noninterest income to average assets | 0.3906% | 5,374 |
| Noninterest expense to average assets | 3.3482% | 2,803 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4790% | 4,181 |
| Return on assets (ROA) | 0.5246% | 4,115 |
| Pretax return on assets | 0.7701% | 3,776 |
| Return on Equity (ROE) | 6.5082% | 3,436 |
| Retained earnings to average equity (ytd only) | 3.0464% | 3,624 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6446% | 2,644 |
| Assets per employee ($millions) | 2.5846% | 7,085 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6706% | 2,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 6,251 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 57.9096% | 5,975 |
| Net loans and leases to deposits | 63.4508% | 6,620 |
| Net loans and leases to core deposits | 69.0321% | 7,077 |
| Total domestic deposits to total assets | 91.2669% | 385 |
| Equity capital to assets | 8.0533% | 6,686 |
| Core capital (leverage) ratio | 7.8531% | 6,547 |
| Tier 1 risk-based capital ratio | 14.5625% | 3,215 |
| Total risk-based capital ratio | 15.8229% | 3,144 |
| Memoranda: | ||
| Average total assets | $17,920,000 | 7,988 |
| Average earning assets | $15,768,670 | 7,980 |
| Average equity | $1,444,330 | 8,105 |
| Average total loans | $10,695,000 | 7,831 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3918% | 5,471 |
| Cost of funding earning assets | 1.2598% | 7,149 |
| Net interest margin | 4.1320% | 2,155 |
| Noninterest income to average assets | 0.3813% | 5,373 |
| Noninterest expense to average assets | 3.2522% | 2,789 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6280% | 3,894 |
| Return on assets (ROA) | 0.6280% | 4,076 |
| Pretax return on assets | 0.8074% | 4,056 |
| Return on Equity (ROE) | 7.7886% | 3,248 |
| Retained earnings to average equity (ytd only) | 0.8345% | 5,327 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1105% | 2,804 |
| Assets per employee ($millions) | 2.4959% | 7,284 |
| Cash dividends to net income (ytd only)* | 89.2857% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6706% | 2,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 5,992 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 59.9679% | 5,660 |
| Net loans and leases to deposits | 65.9180% | 6,383 |
| Net loans and leases to core deposits | 71.4276% | 6,936 |
| Total domestic deposits to total assets | 90.9736% | 423 |
| Equity capital to assets | 8.2766% | 6,422 |
| Core capital (leverage) ratio | 7.8330% | 6,711 |
| Tier 1 risk-based capital ratio | 14.0157% | 3,578 |
| Total risk-based capital ratio | 15.2759% | 3,496 |
| Memoranda: | ||
| Average total assets | $17,834,000 | 8,040 |
| Average earning assets | $15,876,000 | 8,026 |
| Average equity | $1,438,000 | 8,162 |
| Average total loans | $10,715,000 | 7,873 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9645% | 5,731 |
| Cost of funding earning assets | 1.6779% | 7,313 |
| Net interest margin | 4.2866% | 2,025 |
| Noninterest income to average assets | 0.3612% | 5,827 |
| Noninterest expense to average assets | 3.4995% | 2,401 |
| Loan and lease loss provision to assets | 0.3612% | 3,522 |
| Net operating income to assets | 0.2732% | 5,636 |
| Return on assets (ROA) | 0.3499% | 5,166 |
| Pretax return on assets | 0.4120% | 5,226 |
| Return on Equity (ROE) | 4.4669% | 4,613 |
| Retained earnings to average equity (ytd only) | 2.6657% | 3,517 |
| Net charge-offs to loans | 0.3656% | 3,006 |
| Credit loss provision to net charge-offs | 168.4211% | 3,054 |
| Earnings coverage of net charge-offs (x) | 3.1842% | 4,495 |
| Efficiency ratio | 83.6707% | 2,095 |
| Assets per employee ($millions) | 2.2746% | 7,599 |
| Cash dividends to net income (ytd only)* | 40.3226% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 2,057 |
| Loan loss allowance to noncurrent loans | 8,900.0000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.4836% | 5,763 |
| Noncurrent loans to loans | 0.0186% | 7,449 |
| Net loans and leases to total assets | 58.2349% | 6,169 |
| Net loans and leases to deposits | 63.7414% | 6,825 |
| Net loans and leases to core deposits | 67.5011% | 7,308 |
| Total domestic deposits to total assets | 91.3612% | 232 |
| Equity capital to assets | 7.8584% | 7,033 |
| Core capital (leverage) ratio | 7.8938% | 6,661 |
| Tier 1 risk-based capital ratio | 13.8880% | 3,599 |
| Total risk-based capital ratio | 15.1488% | 3,515 |
| Memoranda: | ||
| Average total assets | $17,717,000 | 8,081 |
| Average earning assets | $15,793,400 | 8,082 |
| Average equity | $1,388,000 | 8,232 |
| Average total loans | $10,395,000 | 7,920 |