Home > Piggott State Bank > Performance and Condition Ratios
Piggott State Bank, Performance and Condition Ratios
| 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 | 5.5249% | 2,082 |
| Cost of funding earning assets | 2.2763% | 1,575 |
| Net interest margin | 3.2486% | 2,621 |
| Noninterest income to average assets | 0.5200% | 1,840 |
| Noninterest expense to average assets | 2.4964% | 2,321 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 1.0257% | 1,970 |
| Return on assets (ROA) | 1.0257% | 1,963 |
| Pretax return on assets | 1.0257% | 2,463 |
| Return on Equity (ROE) | 23.8500% | 216 |
| Retained earnings to average equity (ytd only) | -20.3813% | 4,455 |
| Net charge-offs to loans | 0.3339% | 436 |
| Credit loss provision to net charge-offs | 34.2205% | 2,415 |
| Earnings coverage of net charge-offs (x) | 5.3650% | 2,587 |
| Efficiency ratio | 69.4985% | 2,059 |
| Assets per employee ($millions) | 5.7057% | 3,120 |
| Cash dividends to net income (ytd only)* | 185.4656% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 1,250 |
| Loan loss allowance to noncurrent loans | 293.8667% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.2987% | 2,044 |
| Noncurrent loans to loans | 0.4826% | 1,881 |
| Net loans and leases to total assets | 61.0300% | 2,837 |
| Net loans and leases to deposits | 63.6593% | 3,357 |
| Net loans and leases to core deposits | 73.9823% | 3,157 |
| Total domestic deposits to total assets | 95.8700% | 31 |
| Equity capital to assets | 3.7482% | 4,430 |
| Core capital (leverage) ratio | 8.9105% | 3,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7036% | 1,115 |
| Memoranda: | ||
| Average total assets | $128,785,800 | 3,545 |
| Average earning assets | $121,776,800 | 3,512 |
| Average equity | $5,539,400 | 4,201 |
| Average total loans | $78,764,600 | 3,433 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4422% | 2,189 |
| Cost of funding earning assets | 2.2039% | 1,722 |
| Net interest margin | 3.2383% | 2,599 |
| Noninterest income to average assets | 0.2900% | 3,095 |
| Noninterest expense to average assets | 2.2973% | 2,805 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 0.9598% | 2,182 |
| Return on assets (ROA) | 0.9598% | 2,188 |
| Pretax return on assets | 0.9598% | 2,658 |
| Return on Equity (ROE) | 21.6400% | 326 |
| Retained earnings to average equity (ytd only) | -20.1108% | 4,485 |
| Net charge-offs to loans | 0.0337% | 1,645 |
| Credit loss provision to net charge-offs | 450.0000% | 676 |
| Earnings coverage of net charge-offs (x) | 51.1500% | 1,189 |
| Efficiency ratio | 68.5811% | 2,193 |
| Assets per employee ($millions) | 5.9071% | 2,942 |
| Cash dividends to net income (ytd only)* | 192.9260% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5852% | 863 |
| Loan loss allowance to noncurrent loans | 302.2472% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 1,839 |
| Noncurrent loans to loans | 0.5245% | 1,773 |
| Net loans and leases to total assets | 64.2500% | 2,503 |
| Net loans and leases to deposits | 77.3587% | 2,398 |
| Net loans and leases to core deposits | 91.8916% | 2,016 |
| Total domestic deposits to total assets | 83.0600% | 2,829 |
| Equity capital to assets | 4.9394% | 4,456 |
| Core capital (leverage) ratio | 9.1441% | 3,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3399% | 1,453 |
| Memoranda: | ||
| Average total assets | $129,600,750 | 3,539 |
| Average earning assets | $122,446,750 | 3,514 |
| Average equity | $5,748,000 | 4,200 |
| Average total loans | $79,029,000 | 3,433 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3873% | 2,162 |
| Cost of funding earning assets | 2.1157% | 1,844 |
| Net interest margin | 3.2716% | 2,480 |
| Noninterest income to average assets | 0.3000% | 2,991 |
| Noninterest expense to average assets | 2.2412% | 2,973 |
| Loan and lease loss provision to assets | 0.1400% | 838 |
| Net operating income to assets | 1.0055% | 1,978 |
| Return on assets (ROA) | 1.0055% | 1,980 |
| Pretax return on assets | 1.0055% | 2,464 |
| Return on Equity (ROE) | 23.5700% | 271 |
| Retained earnings to average equity (ytd only) | -27.1164% | 4,520 |
| Net charge-offs to loans | -0.0052% | 3,806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 66.1953% | 2,527 |
| Assets per employee ($millions) | 5.5939% | 3,138 |
| Cash dividends to net income (ytd only)* | 215.0538% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7221% | 638 |
| Loan loss allowance to noncurrent loans | 1,067.9688% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 2,968 |
| Noncurrent loans to loans | 0.1612% | 2,864 |
| Net loans and leases to total assets | 60.6400% | 2,895 |
| Net loans and leases to deposits | 67.9568% | 3,132 |
| Net loans and leases to core deposits | 82.9211% | 2,605 |
| Total domestic deposits to total assets | 89.2300% | 931 |
| Equity capital to assets | 4.0992% | 4,458 |
| Core capital (leverage) ratio | 9.1103% | 3,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6255% | 1,148 |
| Memoranda: | ||
| Average total assets | $129,482,333 | 3,553 |
| Average earning assets | $122,325,667 | 3,521 |
| Average equity | $5,524,333 | 4,222 |
| Average total loans | $77,090,000 | 3,471 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1477% | 2,512 |
| Cost of funding earning assets | 1.8496% | 2,367 |
| Net interest margin | 3.2980% | 2,342 |
| Noninterest income to average assets | 0.3100% | 2,877 |
| Noninterest expense to average assets | 2.1187% | 3,261 |
| Loan and lease loss provision to assets | 0.1200% | 864 |
| Net operating income to assets | 1.1856% | 1,478 |
| Return on assets (ROA) | 1.1856% | 1,482 |
| Pretax return on assets | 1.1856% | 1,929 |
| Return on Equity (ROE) | 27.2600% | 182 |
| Retained earnings to average equity (ytd only) | -71.8648% | 4,532 |
| Net charge-offs to loans | -0.0053% | 3,732 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 61.8149% | 3,052 |
| Assets per employee ($millions) | 5.8589% | 2,945 |
| Cash dividends to net income (ytd only)* | 363.6364% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6771% | 711 |
| Loan loss allowance to noncurrent loans | 299.0909% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 1,794 |
| Noncurrent loans to loans | 0.5607% | 1,524 |
| Net loans and leases to total assets | 57.2500% | 3,104 |
| Net loans and leases to deposits | 67.4824% | 3,068 |
| Net loans and leases to core deposits | 79.1457% | 2,786 |
| Total domestic deposits to total assets | 84.8400% | 2,461 |
| Equity capital to assets | 3.6570% | 4,493 |
| Core capital (leverage) ratio | 9.2241% | 3,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1979% | 1,229 |
| Memoranda: | ||
| Average total assets | $129,893,500 | 3,556 |
| Average earning assets | $122,618,500 | 3,532 |
| Average equity | $5,649,500 | 4,230 |
| Average total loans | $75,945,000 | 3,495 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7099% | 2,658 |
| Cost of funding earning assets | 1.5004% | 1,938 |
| Net interest margin | 3.2095% | 2,855 |
| Noninterest income to average assets | 2.6000% | 211 |
| Noninterest expense to average assets | 2.8541% | 1,387 |
| Loan and lease loss provision to assets | 0.2500% | 462 |
| Net operating income to assets | 2.5450% | 230 |
| Return on assets (ROA) | 2.5203% | 228 |
| Pretax return on assets | 2.5203% | 333 |
| Return on Equity (ROE) | 69.0400% | 26 |
| Retained earnings to average equity (ytd only) | 29.6333% | 49 |
| Net charge-offs to loans | 0.0666% | 1,183 |
| Credit loss provision to net charge-offs | 666.6667% | 546 |
| Earnings coverage of net charge-offs (x) | 78.0444% | 1,036 |
| Efficiency ratio | 50.5561% | 3,943 |
| Assets per employee ($millions) | 5.6833% | 3,092 |
| Cash dividends to net income (ytd only)* | 57.0798% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7365% | 610 |
| Loan loss allowance to noncurrent loans | 1,517.8571% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 3,121 |
| Noncurrent loans to loans | 0.1144% | 2,953 |
| Net loans and leases to total assets | 57.7000% | 3,065 |
| Net loans and leases to deposits | 62.5972% | 3,378 |
| Net loans and leases to core deposits | 73.1647% | 3,116 |
| Total domestic deposits to total assets | 92.1800% | 279 |
| Equity capital to assets | 5.0955% | 4,399 |
| Core capital (leverage) ratio | 10.3519% | 2,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1941% | 881 |
| Memoranda: | ||
| Average total assets | $125,817,000 | 3,590 |
| Average earning assets | $119,301,400 | 3,553 |
| Average equity | $4,592,800 | 4,297 |
| Average total loans | $67,535,000 | 3,584 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5642% | 2,767 |
| Cost of funding earning assets | 1.3804% | 1,916 |
| Net interest margin | 3.1838% | 2,951 |
| Noninterest income to average assets | 2.9100% | 200 |
| Noninterest expense to average assets | 2.6483% | 1,806 |
| Loan and lease loss provision to assets | 0.3300% | 272 |
| Net operating income to assets | 2.9552% | 187 |
| Return on assets (ROA) | 2.9224% | 189 |
| Pretax return on assets | 2.9224% | 249 |
| Return on Equity (ROE) | 88.7700% | 21 |
| Retained earnings to average equity (ytd only) | 48.2762% | 33 |
| Net charge-offs to loans | 0.0525% | 1,154 |
| Credit loss provision to net charge-offs | 1,153.8462% | 371 |
| Earnings coverage of net charge-offs (x) | 119.3462% | 846 |
| Efficiency ratio | 44.6486% | 4,201 |
| Assets per employee ($millions) | 5.6199% | 3,088 |
| Cash dividends to net income (ytd only)* | 45.6191% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8353% | 531 |
| Loan loss allowance to noncurrent loans | 856.9536% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 2,748 |
| Noncurrent loans to loans | 0.2142% | 2,493 |
| Net loans and leases to total assets | 55.9800% | 3,208 |
| Net loans and leases to deposits | 66.8357% | 3,061 |
| Net loans and leases to core deposits | 76.4599% | 2,834 |
| Total domestic deposits to total assets | 83.7600% | 2,843 |
| Equity capital to assets | 3.6615% | 4,438 |
| Core capital (leverage) ratio | 10.2993% | 2,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5356% | 757 |
| Memoranda: | ||
| Average total assets | $126,013,000 | 3,606 |
| Average earning assets | $119,768,750 | 3,564 |
| Average equity | $4,148,250 | 4,354 |
| Average total loans | $66,063,250 | 3,617 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3862% | 2,915 |
| Cost of funding earning assets | 1.1065% | 2,264 |
| Net interest margin | 3.2797% | 2,797 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.0315% | 3,517 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.3170% | 1,522 |
| Return on assets (ROA) | 1.2681% | 1,640 |
| Pretax return on assets | 1.2681% | 2,171 |
| Return on Equity (ROE) | 39.9800% | 105 |
| Retained earnings to average equity (ytd only) | -22.6753% | 4,588 |
| Net charge-offs to loans | -0.0031% | 3,614 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.5469% | 3,016 |
| Assets per employee ($millions) | 5.4495% | 3,194 |
| Cash dividends to net income (ytd only)* | 156.7164% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 1,067 |
| Loan loss allowance to noncurrent loans | 10,510.0000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 3,782 |
| Noncurrent loans to loans | 0.0146% | 3,667 |
| Net loans and leases to total assets | 51.4100% | 3,453 |
| Net loans and leases to deposits | 63.1533% | 3,244 |
| Net loans and leases to core deposits | 70.8774% | 3,073 |
| Total domestic deposits to total assets | 81.4100% | 3,358 |
| Equity capital to assets | 3.0897% | 4,563 |
| Core capital (leverage) ratio | 8.4828% | 4,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1395% | 1,095 |
| Memoranda: | ||
| Average total assets | $126,804,667 | 3,606 |
| Average earning assets | $120,741,667 | 3,554 |
| Average equity | $4,022,000 | 4,393 |
| Average total loans | $64,582,000 | 3,645 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0612% | 3,345 |
| Cost of funding earning assets | 0.7323% | 2,955 |
| Net interest margin | 3.3289% | 2,802 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.0414% | 3,518 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.3588% | 1,516 |
| Return on assets (ROA) | 1.2595% | 1,745 |
| Pretax return on assets | 1.2595% | 2,278 |
| Return on Equity (ROE) | 39.1500% | 119 |
| Retained earnings to average equity (ytd only) | -60.4732% | 4,678 |
| Net charge-offs to loans | -0.0064% | 3,709 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.3868% | 3,147 |
| Assets per employee ($millions) | 5.6698% | 3,053 |
| Cash dividends to net income (ytd only)* | 254.4529% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5946% | 1,022 |
| Loan loss allowance to noncurrent loans | 2,974.2857% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 3,517 |
| Noncurrent loans to loans | 0.0536% | 3,356 |
| Net loans and leases to total assets | 49.2600% | 3,544 |
| Net loans and leases to deposits | 57.8024% | 3,461 |
| Net loans and leases to core deposits | 64.3291% | 3,327 |
| Total domestic deposits to total assets | 85.2300% | 2,797 |
| Equity capital to assets | 3.0727% | 4,597 |
| Core capital (leverage) ratio | 8.5373% | 4,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7161% | 1,206 |
| Memoranda: | ||
| Average total assets | $124,815,500 | 3,673 |
| Average earning assets | $119,078,000 | 3,620 |
| Average equity | $4,015,000 | 4,452 |
| Average total loans | $62,727,500 | 3,719 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6958% | 2,535 |
| Cost of funding earning assets | 0.2435% | 3,378 |
| Net interest margin | 3.4522% | 2,092 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.3054% | 2,712 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4307% | 1,047 |
| Return on assets (ROA) | 1.3942% | 1,101 |
| Pretax return on assets | 1.3942% | 1,782 |
| Return on Equity (ROE) | 28.9300% | 131 |
| Retained earnings to average equity (ytd only) | 18.5995% | 121 |
| Net charge-offs to loans | 0.0018% | 2,482 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,724.0000% | 97 |
| Efficiency ratio | 61.7059% | 2,806 |
| Assets per employee ($millions) | 5.4194% | 3,292 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6951% | 810 |
| Loan loss allowance to noncurrent loans | 551.3514% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 2,446 |
| Noncurrent loans to loans | 0.3074% | 2,041 |
| Net loans and leases to total assets | 49.6100% | 3,531 |
| Net loans and leases to deposits | 51.4311% | 3,833 |
| Net loans and leases to core deposits | 56.7682% | 3,688 |
| Total domestic deposits to total assets | 96.4700% | 65 |
| Equity capital to assets | 3.3743% | 4,576 |
| Core capital (leverage) ratio | 9.3985% | 3,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0552% | 823 |
| Memoranda: | ||
| Average total assets | $120,498,000 | 3,723 |
| Average earning assets | $114,564,000 | 3,682 |
| Average equity | $5,806,600 | 4,350 |
| Average total loans | $55,810,600 | 3,811 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5983% | 2,355 |
| Cost of funding earning assets | 0.1894% | 3,401 |
| Net interest margin | 3.4089% | 1,947 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.2767% | 2,697 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4600% | 931 |
| Return on assets (ROA) | 1.4104% | 1,033 |
| Pretax return on assets | 1.4104% | 1,683 |
| Return on Equity (ROE) | 27.2500% | 129 |
| Retained earnings to average equity (ytd only) | 22.9876% | 58 |
| Net charge-offs to loans | 0.0024% | 2,178 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,323.0000% | 98 |
| Efficiency ratio | 60.9273% | 2,988 |
| Assets per employee ($millions) | 4.9649% | 3,702 |
| Cash dividends to net income (ytd only)* | 15.6495% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7390% | 820 |
| Loan loss allowance to noncurrent loans | 2,914.2857% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 3,613 |
| Noncurrent loans to loans | 0.0597% | 3,453 |
| Net loans and leases to total assets | 50.4700% | 3,421 |
| Net loans and leases to deposits | 52.0486% | 3,726 |
| Net loans and leases to core deposits | 54.7491% | 3,704 |
| Total domestic deposits to total assets | 96.9700% | 82 |
| Equity capital to assets | 2.8102% | 4,606 |
| Core capital (leverage) ratio | 9.0044% | 3,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1039% | 845 |
| Memoranda: | ||
| Average total assets | $120,816,000 | 3,743 |
| Average earning assets | $114,754,500 | 3,708 |
| Average equity | $6,252,500 | 4,343 |
| Average total loans | $54,720,000 | 3,845 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4392% | 2,329 |
| Cost of funding earning assets | 0.1846% | 3,118 |
| Net interest margin | 3.2546% | 2,042 |
| Noninterest income to average assets | 0.5804% | 1,828 |
| Noninterest expense to average assets | 2.1817% | 2,912 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4940% | 723 |
| Return on assets (ROA) | 1.4940% | 702 |
| Pretax return on assets | 1.4940% | 1,184 |
| Return on Equity (ROE) | 25.2924% | 105 |
| Retained earnings to average equity (ytd only) | 25.2924% | 32 |
| Net charge-offs to loans | 0.0037% | 1,899 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 919.0000% | 143 |
| Efficiency ratio | 59.3543% | 3,390 |
| Assets per employee ($millions) | 4.9637% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7906% | 827 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 3,408 |
| Noncurrent loans to loans | 0.1194% | 3,136 |
| Net loans and leases to total assets | 46.9613% | 3,630 |
| Net loans and leases to deposits | 48.9702% | 3,865 |
| Net loans and leases to core deposits | 51.1095% | 3,869 |
| Total domestic deposits to total assets | 95.8977% | 89 |
| Equity capital to assets | 3.9428% | 4,631 |
| Core capital (leverage) ratio | 8.6397% | 3,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7877% | 886 |
| Memoranda: | ||
| Average total assets | $123,023,667 | 3,773 |
| Average earning assets | $117,003,000 | 3,736 |
| Average equity | $7,267,000 | 4,285 |
| Average total loans | $53,408,000 | 3,906 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3974% | 2,090 |
| Cost of funding earning assets | 0.1852% | 3,010 |
| Net interest margin | 3.2122% | 1,849 |
| Noninterest income to average assets | 0.3105% | 3,240 |
| Noninterest expense to average assets | 1.7508% | 4,049 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6132% | 493 |
| Return on assets (ROA) | 1.6132% | 492 |
| Pretax return on assets | 1.6132% | 809 |
| Return on Equity (ROE) | 23.5734% | 112 |
| Retained earnings to average equity (ytd only) | 23.5734% | 55 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0457% | 4,199 |
| Assets per employee ($millions) | 5.8093% | 2,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9705% | 651 |
| Loan loss allowance to noncurrent loans | 1,501.4706% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 3,488 |
| Noncurrent loans to loans | 0.1312% | 3,154 |
| Net loans and leases to total assets | 41.6361% | 3,904 |
| Net loans and leases to deposits | 44.2399% | 4,052 |
| Net loans and leases to core deposits | 46.5458% | 4,046 |
| Total domestic deposits to total assets | 94.1145% | 103 |
| Equity capital to assets | 5.7724% | 4,622 |
| Core capital (leverage) ratio | 8.0080% | 4,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0842% | 894 |
| Memoranda: | ||
| Average total assets | $124,971,500 | 3,775 |
| Average earning assets | $118,797,500 | 3,730 |
| Average equity | $8,552,000 | 4,202 |
| Average total loans | $51,630,000 | 3,947 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4346% | 2,838 |
| Cost of funding earning assets | 0.2518% | 2,911 |
| Net interest margin | 3.1827% | 2,648 |
| Noninterest income to average assets | 0.2630% | 3,801 |
| Noninterest expense to average assets | 2.1566% | 3,215 |
| Loan and lease loss provision to assets | 0.0213% | 2,646 |
| Net operating income to assets | 1.1278% | 2,183 |
| Return on assets (ROA) | 1.1594% | 2,125 |
| Pretax return on assets | 1.1594% | 2,790 |
| Return on Equity (ROE) | 13.5567% | 1,293 |
| Retained earnings to average equity (ytd only) | 9.3639% | 1,082 |
| Net charge-offs to loans | 0.0219% | 1,822 |
| Credit loss provision to net charge-offs | 227.2727% | 1,226 |
| Earnings coverage of net charge-offs (x) | 122.3636% | 771 |
| Efficiency ratio | 65.2376% | 2,367 |
| Assets per employee ($millions) | 6.0928% | 2,674 |
| Cash dividends to net income (ytd only)* | 30.9278% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9846% | 618 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 39.4098% | 4,127 |
| Net loans and leases to deposits | 42.8222% | 4,236 |
| Net loans and leases to core deposits | 45.1775% | 4,224 |
| Total domestic deposits to total assets | 92.0311% | 166 |
| Equity capital to assets | 7.8641% | 4,437 |
| Core capital (leverage) ratio | 7.6819% | 4,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4351% | 1,404 |
| Memoranda: | ||
| Average total assets | $117,129,800 | 3,829 |
| Average earning assets | $111,979,600 | 3,789 |
| Average equity | $10,017,200 | 4,126 |
| Average total loans | $50,134,200 | 3,990 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5213% | 2,764 |
| Cost of funding earning assets | 0.2676% | 2,928 |
| Net interest margin | 3.2537% | 2,570 |
| Noninterest income to average assets | 0.2773% | 3,767 |
| Noninterest expense to average assets | 2.1883% | 3,106 |
| Loan and lease loss provision to assets | 0.0288% | 2,419 |
| Net operating income to assets | 1.1769% | 2,240 |
| Return on assets (ROA) | 1.2643% | 1,999 |
| Pretax return on assets | 1.2643% | 2,720 |
| Return on Equity (ROE) | 14.4576% | 1,267 |
| Retained earnings to average equity (ytd only) | 11.5261% | 940 |
| Net charge-offs to loans | 0.0241% | 1,562 |
| Credit loss provision to net charge-offs | 277.7778% | 1,039 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 798 |
| Efficiency ratio | 64.4696% | 2,321 |
| Assets per employee ($millions) | 5.9810% | 2,716 |
| Cash dividends to net income (ytd only)* | 20.2765% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9555% | 687 |
| Loan loss allowance to noncurrent loans | 102,300.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,291 |
| Noncurrent loans to loans | 0.0019% | 4,213 |
| Net loans and leases to total assets | 42.8795% | 4,032 |
| Net loans and leases to deposits | 47.0198% | 4,176 |
| Net loans and leases to core deposits | 49.5407% | 4,167 |
| Total domestic deposits to total assets | 91.1945% | 310 |
| Equity capital to assets | 8.5639% | 4,168 |
| Core capital (leverage) ratio | 8.1133% | 4,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5086% | 1,480 |
| Memoranda: | ||
| Average total assets | $114,425,250 | 3,902 |
| Average earning assets | $109,616,750 | 3,861 |
| Average equity | $10,006,000 | 4,188 |
| Average total loans | $49,806,500 | 4,061 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3793% | 3,234 |
| Cost of funding earning assets | 0.2921% | 2,853 |
| Net interest margin | 3.0872% | 3,070 |
| Noninterest income to average assets | 0.2804% | 3,740 |
| Noninterest expense to average assets | 2.1261% | 3,313 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1181% | 2,478 |
| Return on assets (ROA) | 1.2494% | 2,088 |
| Pretax return on assets | 1.2494% | 2,768 |
| Return on Equity (ROE) | 14.1840% | 1,358 |
| Retained earnings to average equity (ytd only) | 13.7811% | 582 |
| Net charge-offs to loans | 0.0163% | 1,622 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 157.5000% | 576 |
| Efficiency ratio | 65.5361% | 2,218 |
| Assets per employee ($millions) | 5.7119% | 2,882 |
| Cash dividends to net income (ytd only)* | 2.8409% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9223% | 702 |
| Loan loss allowance to noncurrent loans | 3,857.6923% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 4,113 |
| Noncurrent loans to loans | 0.0498% | 3,929 |
| Net loans and leases to total assets | 44.7972% | 3,988 |
| Net loans and leases to deposits | 49.3877% | 4,142 |
| Net loans and leases to core deposits | 52.5351% | 4,106 |
| Total domestic deposits to total assets | 90.7053% | 478 |
| Equity capital to assets | 8.9358% | 3,850 |
| Core capital (leverage) ratio | 8.1345% | 4,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2754% | 1,271 |
| Memoranda: | ||
| Average total assets | $112,694,000 | 3,938 |
| Average earning assets | $108,188,333 | 3,893 |
| Average equity | $9,926,667 | 4,210 |
| Average total loans | $48,970,333 | 4,102 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1341% | 3,817 |
| Cost of funding earning assets | 0.3056% | 2,931 |
| Net interest margin | 2.8286% | 3,693 |
| Noninterest income to average assets | 0.3109% | 3,543 |
| Noninterest expense to average assets | 2.0657% | 3,521 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9578% | 2,943 |
| Return on assets (ROA) | 1.2116% | 2,185 |
| Pretax return on assets | 1.2116% | 2,818 |
| Return on Equity (ROE) | 13.8565% | 1,467 |
| Retained earnings to average equity (ytd only) | 13.0390% | 906 |
| Net charge-offs to loans | 0.0338% | 1,140 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 771 |
| Efficiency ratio | 68.3215% | 1,892 |
| Assets per employee ($millions) | 5.4873% | 3,130 |
| Cash dividends to net income (ytd only)* | 5.8997% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1283% | 472 |
| Loan loss allowance to noncurrent loans | 2,388.0952% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 4,111 |
| Noncurrent loans to loans | 0.0891% | 3,857 |
| Net loans and leases to total assets | 40.0264% | 4,340 |
| Net loans and leases to deposits | 43.8608% | 4,424 |
| Net loans and leases to core deposits | 46.7396% | 4,413 |
| Total domestic deposits to total assets | 91.2578% | 310 |
| Equity capital to assets | 8.3951% | 4,197 |
| Core capital (leverage) ratio | 8.0412% | 4,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7540% | 961 |
| Memoranda: | ||
| Average total assets | $111,922,500 | 3,956 |
| Average earning assets | $107,334,000 | 3,906 |
| Average equity | $9,786,000 | 4,234 |
| Average total loans | $47,366,500 | 4,151 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7250% | 3,513 |
| Cost of funding earning assets | 0.4485% | 3,290 |
| Net interest margin | 3.2765% | 3,137 |
| Noninterest income to average assets | 0.2992% | 3,686 |
| Noninterest expense to average assets | 2.4278% | 3,063 |
| Loan and lease loss provision to assets | 0.2637% | 1,467 |
| Net operating income to assets | 0.7413% | 3,291 |
| Return on assets (ROA) | 0.7393% | 3,424 |
| Pretax return on assets | 0.7393% | 3,791 |
| Return on Equity (ROE) | 8.0467% | 2,802 |
| Retained earnings to average equity (ytd only) | 2.7926% | 3,469 |
| Net charge-offs to loans | -0.0106% | 4,271 |
| Credit loss provision to net charge-offs | -5,200.0000% | 4,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7238% | 1,852 |
| Assets per employee ($millions) | 5.4306% | 2,920 |
| Cash dividends to net income (ytd only)* | 65.2949% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1153% | 481 |
| Loan loss allowance to noncurrent loans | 2,877.1429% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 4,199 |
| Noncurrent loans to loans | 0.0735% | 3,999 |
| Net loans and leases to total assets | 42.9045% | 4,304 |
| Net loans and leases to deposits | 47.2539% | 4,422 |
| Net loans and leases to core deposits | 50.0365% | 4,421 |
| Total domestic deposits to total assets | 90.7956% | 279 |
| Equity capital to assets | 9.1133% | 3,959 |
| Core capital (leverage) ratio | 8.0730% | 4,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6158% | 1,121 |
| Memoranda: | ||
| Average total assets | $98,608,200 | 4,019 |
| Average earning assets | $94,308,600 | 3,969 |
| Average equity | $9,059,600 | 4,309 |
| Average total loans | $47,126,600 | 4,161 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 3,506 |
| Cost of funding earning assets | 0.4750% | 3,391 |
| Net interest margin | 3.3438% | 3,056 |
| Noninterest income to average assets | 0.2997% | 3,691 |
| Noninterest expense to average assets | 2.5346% | 2,732 |
| Loan and lease loss provision to assets | 0.3611% | 1,033 |
| Net operating income to assets | 0.5979% | 3,774 |
| Return on assets (ROA) | 0.5979% | 3,873 |
| Pretax return on assets | 0.5979% | 4,103 |
| Return on Equity (ROE) | 6.4932% | 3,373 |
| Retained earnings to average equity (ytd only) | -0.6779% | 4,578 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5576% | 1,571 |
| Assets per employee ($millions) | 4.8260% | 3,457 |
| Cash dividends to net income (ytd only)* | 110.4408% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0499% | 455 |
| Loan loss allowance to noncurrent loans | 5,566.6667% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 4,390 |
| Noncurrent loans to loans | 0.0368% | 4,243 |
| Net loans and leases to total assets | 47.2426% | 4,256 |
| Net loans and leases to deposits | 52.1609% | 4,407 |
| Net loans and leases to core deposits | 55.4676% | 4,397 |
| Total domestic deposits to total assets | 90.5708% | 268 |
| Equity capital to assets | 9.1411% | 4,007 |
| Core capital (leverage) ratio | 7.7725% | 4,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3968% | 1,400 |
| Memoranda: | ||
| Average total assets | $96,107,500 | 4,045 |
| Average earning assets | $91,790,250 | 3,999 |
| Average equity | $8,850,000 | 4,348 |
| Average total loans | $47,006,750 | 4,186 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8464% | 3,752 |
| Cost of funding earning assets | 0.4952% | 3,566 |
| Net interest margin | 3.3511% | 3,244 |
| Noninterest income to average assets | 0.3031% | 3,652 |
| Noninterest expense to average assets | 2.3993% | 3,261 |
| Loan and lease loss provision to assets | 0.2120% | 1,956 |
| Net operating income to assets | 0.8902% | 2,728 |
| Return on assets (ROA) | 0.8902% | 2,848 |
| Pretax return on assets | 0.8902% | 3,341 |
| Return on Equity (ROE) | 9.6419% | 2,099 |
| Retained earnings to average equity (ytd only) | -1.2856% | 4,516 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5230% | 2,164 |
| Assets per employee ($millions) | 5.0265% | 3,142 |
| Cash dividends to net income (ytd only)* | 113.3333% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6830% | 844 |
| Loan loss allowance to noncurrent loans | 4,677.7778% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 4,472 |
| Noncurrent loans to loans | 0.0360% | 4,336 |
| Net loans and leases to total assets | 46.5985% | 4,332 |
| Net loans and leases to deposits | 51.3820% | 4,467 |
| Net loans and leases to core deposits | 54.5467% | 4,479 |
| Total domestic deposits to total assets | 90.6903% | 226 |
| Equity capital to assets | 8.7697% | 4,295 |
| Core capital (leverage) ratio | 8.0505% | 4,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1577% | 1,455 |
| Memoranda: | ||
| Average total assets | $94,361,667 | 4,065 |
| Average earning assets | $90,059,000 | 4,025 |
| Average equity | $8,712,000 | 4,371 |
| Average total loans | $46,382,333 | 4,203 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1859% | 3,264 |
| Cost of funding earning assets | 0.5404% | 3,741 |
| Net interest margin | 3.6455% | 2,525 |
| Noninterest income to average assets | 0.3695% | 3,303 |
| Noninterest expense to average assets | 2.5551% | 3,116 |
| Loan and lease loss provision to assets | 0.0901% | 2,556 |
| Net operating income to assets | 1.1897% | 1,548 |
| Return on assets (ROA) | 1.1897% | 1,665 |
| Pretax return on assets | 1.1897% | 2,231 |
| Return on Equity (ROE) | 12.5126% | 983 |
| Retained earnings to average equity (ytd only) | -1.7063% | 4,221 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6275% | 2,870 |
| Assets per employee ($millions) | 4.3734% | 3,440 |
| Cash dividends to net income (ytd only)* | 113.6364% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6654% | 927 |
| Loan loss allowance to noncurrent loans | 2,721.4286% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 4,204 |
| Noncurrent loans to loans | 0.0612% | 4,297 |
| Net loans and leases to total assets | 51.4382% | 4,151 |
| Net loans and leases to deposits | 57.0364% | 4,321 |
| Net loans and leases to core deposits | 61.1387% | 4,307 |
| Total domestic deposits to total assets | 90.1850% | 272 |
| Equity capital to assets | 9.2262% | 4,448 |
| Core capital (leverage) ratio | 9.0852% | 4,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9945% | 1,350 |
| Memoranda: | ||
| Average total assets | $88,764,000 | 4,143 |
| Average earning assets | $84,378,500 | 4,101 |
| Average equity | $8,439,500 | 4,435 |
| Average total loans | $44,558,500 | 4,264 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2228% | 3,755 |
| Cost of funding earning assets | 0.5050% | 4,074 |
| Net interest margin | 3.7178% | 2,761 |
| Noninterest income to average assets | 0.6687% | 1,929 |
| Noninterest expense to average assets | 2.8782% | 2,356 |
| Loan and lease loss provision to assets | 0.0930% | 2,172 |
| Net operating income to assets | 1.2501% | 1,869 |
| Return on assets (ROA) | 1.2699% | 1,886 |
| Pretax return on assets | 1.2699% | 2,610 |
| Return on Equity (ROE) | 13.2576% | 1,097 |
| Retained earnings to average equity (ytd only) | 3.7879% | 3,084 |
| Net charge-offs to loans | 0.1304% | 1,465 |
| Credit loss provision to net charge-offs | 140.3509% | 1,845 |
| Earnings coverage of net charge-offs (x) | 20.2632% | 1,947 |
| Efficiency ratio | 68.1818% | 2,432 |
| Assets per employee ($millions) | 4.5030% | 3,213 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7111% | 775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 4,327 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 47.3251% | 4,465 |
| Net loans and leases to deposits | 52.7814% | 4,575 |
| Net loans and leases to core deposits | 56.3949% | 4,567 |
| Total domestic deposits to total assets | 89.6624% | 443 |
| Equity capital to assets | 9.7813% | 4,120 |
| Core capital (leverage) ratio | 9.1383% | 4,413 |
| Tier 1 risk-based capital ratio | 16.6947% | 2,157 |
| Total risk-based capital ratio | 17.9480% | 2,089 |
| Memoranda: | ||
| Average total assets | $85,990,800 | 4,202 |
| Average earning assets | $82,172,400 | 4,152 |
| Average equity | $8,236,800 | 4,480 |
| Average total loans | $43,695,800 | 4,315 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2553% | 3,795 |
| Cost of funding earning assets | 0.4847% | 4,203 |
| Net interest margin | 3.7706% | 2,682 |
| Noninterest income to average assets | 0.3797% | 3,437 |
| Noninterest expense to average assets | 2.7098% | 2,840 |
| Loan and lease loss provision to assets | 0.0471% | 2,959 |
| Net operating income to assets | 1.2239% | 2,112 |
| Return on assets (ROA) | 1.2506% | 2,095 |
| Pretax return on assets | 1.2506% | 2,814 |
| Return on Equity (ROE) | 13.1291% | 1,227 |
| Retained earnings to average equity (ytd only) | 3.5747% | 3,617 |
| Net charge-offs to loans | 0.1766% | 956 |
| Credit loss provision to net charge-offs | 51.7241% | 2,776 |
| Earnings coverage of net charge-offs (x) | 13.9657% | 2,264 |
| Efficiency ratio | 68.0725% | 2,406 |
| Assets per employee ($millions) | 4.0369% | 3,850 |
| Cash dividends to net income (ytd only)* | 72.7725% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 1,321 |
| Loan loss allowance to noncurrent loans | 945.2055% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 4,283 |
| Noncurrent loans to loans | 0.1559% | 3,979 |
| Net loans and leases to total assets | 54.4176% | 4,143 |
| Net loans and leases to deposits | 61.9205% | 4,296 |
| Net loans and leases to core deposits | 65.9311% | 4,280 |
| Total domestic deposits to total assets | 87.8831% | 1,087 |
| Equity capital to assets | 10.3168% | 3,699 |
| Core capital (leverage) ratio | 9.6380% | 4,040 |
| Tier 1 risk-based capital ratio | 15.4663% | 2,650 |
| Total risk-based capital ratio | 16.7159% | 2,587 |
| Memoranda: | ||
| Average total assets | $84,973,500 | 4,268 |
| Average earning assets | $81,151,500 | 4,218 |
| Average equity | $8,093,750 | 4,543 |
| Average total loans | $43,779,000 | 4,366 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2126% | 3,892 |
| Cost of funding earning assets | 0.4549% | 4,307 |
| Net interest margin | 3.7576% | 2,727 |
| Noninterest income to average assets | 0.3716% | 3,454 |
| Noninterest expense to average assets | 2.6411% | 3,084 |
| Loan and lease loss provision to assets | 0.0235% | 3,336 |
| Net operating income to assets | 1.3006% | 1,768 |
| Return on assets (ROA) | 1.3029% | 1,824 |
| Pretax return on assets | 1.3029% | 2,552 |
| Return on Equity (ROE) | 14.0675% | 965 |
| Retained earnings to average equity (ytd only) | 4.4183% | 3,057 |
| Net charge-offs to loans | 0.2619% | 637 |
| Credit loss provision to net charge-offs | 17.8571% | 2,670 |
| Earnings coverage of net charge-offs (x) | 10.0536% | 2,298 |
| Efficiency ratio | 66.6074% | 2,729 |
| Assets per employee ($millions) | 3.9930% | 3,870 |
| Cash dividends to net income (ytd only)* | 68.5921% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 1,221 |
| Loan loss allowance to noncurrent loans | 425.9494% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 3,829 |
| Noncurrent loans to loans | 0.3561% | 3,267 |
| Net loans and leases to total assets | 52.1168% | 4,344 |
| Net loans and leases to deposits | 58.4916% | 4,496 |
| Net loans and leases to core deposits | 62.2456% | 4,489 |
| Total domestic deposits to total assets | 89.1013% | 621 |
| Equity capital to assets | 10.2655% | 3,730 |
| Core capital (leverage) ratio | 9.3751% | 4,277 |
| Tier 1 risk-based capital ratio | 15.7875% | 2,507 |
| Total risk-based capital ratio | 17.0383% | 2,441 |
| Memoranda: | ||
| Average total assets | $85,040,000 | 4,297 |
| Average earning assets | $81,328,330 | 4,242 |
| Average equity | $7,876,330 | 4,600 |
| Average total loans | $42,764,670 | 4,431 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1480% | 4,011 |
| Cost of funding earning assets | 0.4197% | 4,403 |
| Net interest margin | 3.7284% | 2,790 |
| Noninterest income to average assets | 0.3737% | 3,359 |
| Noninterest expense to average assets | 2.6158% | 3,169 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3266% | 1,606 |
| Return on assets (ROA) | 1.3266% | 1,649 |
| Pretax return on assets | 1.3266% | 2,349 |
| Return on Equity (ROE) | 15.1255% | 726 |
| Retained earnings to average equity (ytd only) | -0.8521% | 4,629 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3507% | 2,891 |
| Assets per employee ($millions) | 4.5927% | 3,055 |
| Cash dividends to net income (ytd only)* | 105.6338% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6675% | 925 |
| Loan loss allowance to noncurrent loans | 437.8049% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 3,878 |
| Noncurrent loans to loans | 0.3809% | 3,222 |
| Net loans and leases to total assets | 48.5211% | 4,553 |
| Net loans and leases to deposits | 53.5909% | 4,688 |
| Net loans and leases to core deposits | 56.6050% | 4,688 |
| Total domestic deposits to total assets | 90.5399% | 271 |
| Equity capital to assets | 8.8791% | 4,765 |
| Core capital (leverage) ratio | 9.0406% | 4,628 |
| Tier 1 risk-based capital ratio | 15.5046% | 2,651 |
| Total risk-based capital ratio | 16.7548% | 2,568 |
| Memoranda: | ||
| Average total assets | $85,633,000 | 4,331 |
| Average earning assets | $81,966,500 | 4,281 |
| Average equity | $7,510,500 | 4,679 |
| Average total loans | $41,959,500 | 4,491 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0484% | 3,896 |
| Cost of funding earning assets | 0.3477% | 4,293 |
| Net interest margin | 3.7007% | 3,032 |
| Noninterest income to average assets | 0.4156% | 3,344 |
| Noninterest expense to average assets | 2.6256% | 3,257 |
| Loan and lease loss provision to assets | 0.0953% | 2,251 |
| Net operating income to assets | 1.2420% | 2,006 |
| Return on assets (ROA) | 1.2491% | 1,973 |
| Pretax return on assets | 1.2503% | 2,694 |
| Return on Equity (ROE) | 13.8099% | 1,092 |
| Retained earnings to average equity (ytd only) | 1.6851% | 4,472 |
| Net charge-offs to loans | 0.0937% | 1,830 |
| Credit loss provision to net charge-offs | 216.2162% | 1,338 |
| Earnings coverage of net charge-offs (x) | 30.3784% | 1,587 |
| Efficiency ratio | 66.2361% | 2,833 |
| Assets per employee ($millions) | 4.2003% | 3,616 |
| Cash dividends to net income (ytd only)* | 87.7979% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7572% | 741 |
| Loan loss allowance to noncurrent loans | 405.6497% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 3,773 |
| Noncurrent loans to loans | 0.4332% | 2,988 |
| Net loans and leases to total assets | 47.7864% | 4,654 |
| Net loans and leases to deposits | 52.6542% | 4,801 |
| Net loans and leases to core deposits | 56.1142% | 4,774 |
| Total domestic deposits to total assets | 90.7553% | 258 |
| Equity capital to assets | 8.6578% | 4,838 |
| Core capital (leverage) ratio | 9.1991% | 4,460 |
| Tier 1 risk-based capital ratio | 16.2757% | 2,319 |
| Total risk-based capital ratio | 17.5274% | 2,261 |
| Memoranda: | ||
| Average total assets | $83,980,800 | 4,358 |
| Average earning assets | $80,525,000 | 4,310 |
| Average equity | $7,596,000 | 4,661 |
| Average total loans | $39,478,000 | 4,568 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9853% | 3,968 |
| Cost of funding earning assets | 0.3263% | 4,337 |
| Net interest margin | 3.6590% | 3,175 |
| Noninterest income to average assets | 0.4049% | 3,453 |
| Noninterest expense to average assets | 2.6055% | 3,266 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3051% | 1,835 |
| Return on assets (ROA) | 1.3146% | 1,806 |
| Pretax return on assets | 1.3162% | 2,556 |
| Return on Equity (ROE) | 14.3807% | 1,016 |
| Retained earnings to average equity (ytd only) | 5.3319% | 3,039 |
| Net charge-offs to loans | 0.0273% | 2,560 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 102.8407% | 734 |
| Efficiency ratio | 66.5990% | 2,771 |
| Assets per employee ($millions) | 4.4650% | 3,175 |
| Cash dividends to net income (ytd only)* | 62.9229% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5795% | 1,124 |
| Loan loss allowance to noncurrent loans | 1,260.3774% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 4,566 |
| Noncurrent loans to loans | 0.1253% | 4,325 |
| Net loans and leases to total assets | 49.0647% | 4,658 |
| Net loans and leases to deposits | 54.7980% | 4,794 |
| Net loans and leases to core deposits | 58.4229% | 4,761 |
| Total domestic deposits to total assets | 89.5373% | 663 |
| Equity capital to assets | 8.9609% | 4,585 |
| Core capital (leverage) ratio | 9.4927% | 4,185 |
| Tier 1 risk-based capital ratio | 17.0581% | 2,086 |
| Total risk-based capital ratio | 18.3089% | 2,025 |
| Memoranda: | ||
| Average total assets | $83,974,750 | 4,406 |
| Average earning assets | $80,493,500 | 4,356 |
| Average equity | $7,676,750 | 4,698 |
| Average total loans | $39,132,250 | 4,625 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9124% | 4,041 |
| Cost of funding earning assets | 0.3094% | 4,356 |
| Net interest margin | 3.6030% | 3,298 |
| Noninterest income to average assets | 0.4015% | 3,476 |
| Noninterest expense to average assets | 2.5260% | 3,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3264% | 1,680 |
| Return on assets (ROA) | 1.3383% | 1,650 |
| Pretax return on assets | 1.3383% | 2,372 |
| Return on Equity (ROE) | 14.5423% | 949 |
| Retained earnings to average equity (ytd only) | 5.7910% | 2,673 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5707% | 3,049 |
| Assets per employee ($millions) | 4.5469% | 3,058 |
| Cash dividends to net income (ytd only)* | 60.1786% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 874 |
| Loan loss allowance to noncurrent loans | 796.4706% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 4,508 |
| Noncurrent loans to loans | 0.2158% | 3,948 |
| Net loans and leases to total assets | 44.8021% | 4,874 |
| Net loans and leases to deposits | 49.4879% | 4,994 |
| Net loans and leases to core deposits | 52.6498% | 4,974 |
| Total domestic deposits to total assets | 90.5314% | 392 |
| Equity capital to assets | 8.8377% | 4,688 |
| Core capital (leverage) ratio | 9.3382% | 4,318 |
| Tier 1 risk-based capital ratio | 17.5372% | 1,933 |
| Total risk-based capital ratio | 18.7900% | 1,886 |
| Memoranda: | ||
| Average total assets | $83,688,000 | 4,457 |
| Average earning assets | $80,156,000 | 4,400 |
| Average equity | $7,701,670 | 4,747 |
| Average total loans | $38,079,000 | 4,698 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8811% | 3,980 |
| Cost of funding earning assets | 0.2888% | 4,425 |
| Net interest margin | 3.5923% | 3,211 |
| Noninterest income to average assets | 0.3984% | 3,481 |
| Noninterest expense to average assets | 2.4631% | 3,765 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3748% | 1,410 |
| Return on assets (ROA) | 1.3894% | 1,380 |
| Pretax return on assets | 1.3943% | 2,028 |
| Return on Equity (ROE) | 14.7899% | 839 |
| Retained earnings to average equity (ytd only) | 7.3950% | 2,107 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0961% | 3,471 |
| Assets per employee ($millions) | 4.3634% | 3,376 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7864% | 808 |
| Loan loss allowance to noncurrent loans | 705.2083% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1158% | 4,514 |
| Noncurrent loans to loans | 0.2533% | 3,855 |
| Net loans and leases to total assets | 44.8953% | 4,855 |
| Net loans and leases to deposits | 49.7122% | 4,971 |
| Net loans and leases to core deposits | 52.2261% | 4,973 |
| Total domestic deposits to total assets | 90.3105% | 539 |
| Equity capital to assets | 9.0768% | 4,484 |
| Core capital (leverage) ratio | 9.4251% | 4,155 |
| Tier 1 risk-based capital ratio | 18.0293% | 1,832 |
| Total risk-based capital ratio | 19.2825% | 1,775 |
| Memoranda: | ||
| Average total assets | $82,336,500 | 4,527 |
| Average earning assets | $78,946,000 | 4,467 |
| Average equity | $7,735,000 | 4,792 |
| Average total loans | $37,427,500 | 4,768 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8195% | 3,987 |
| Cost of funding earning assets | 0.2977% | 4,166 |
| Net interest margin | 3.5218% | 3,458 |
| Noninterest income to average assets | 0.3535% | 3,937 |
| Noninterest expense to average assets | 2.6003% | 3,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1345% | 1,737 |
| Return on assets (ROA) | 1.1468% | 1,725 |
| Pretax return on assets | 1.1468% | 2,995 |
| Return on Equity (ROE) | 11.6681% | 1,297 |
| Retained earnings to average equity (ytd only) | 3.6220% | 3,088 |
| Net charge-offs to loans | -0.0028% | 4,561 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6240% | 2,617 |
| Assets per employee ($millions) | 4.3036% | 3,478 |
| Cash dividends to net income (ytd only)* | 68.9581% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8318% | 737 |
| Loan loss allowance to noncurrent loans | 609.9099% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 4,461 |
| Noncurrent loans to loans | 0.3003% | 3,702 |
| Net loans and leases to total assets | 44.3701% | 4,960 |
| Net loans and leases to deposits | 49.4790% | 5,080 |
| Net loans and leases to core deposits | 51.8034% | 5,073 |
| Total domestic deposits to total assets | 89.6746% | 697 |
| Equity capital to assets | 9.7164% | 4,012 |
| Core capital (leverage) ratio | 9.3216% | 4,258 |
| Tier 1 risk-based capital ratio | 17.8554% | 1,843 |
| Total risk-based capital ratio | 19.1078% | 1,791 |
| Memoranda: | ||
| Average total assets | $81,181,400 | 4,567 |
| Average earning assets | $77,943,000 | 4,499 |
| Average equity | $7,979,000 | 4,784 |
| Average total loans | $35,726,400 | 4,856 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7843% | 4,059 |
| Cost of funding earning assets | 0.2947% | 4,182 |
| Net interest margin | 3.4896% | 3,538 |
| Noninterest income to average assets | 0.3965% | 3,709 |
| Noninterest expense to average assets | 2.5865% | 3,448 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1616% | 1,839 |
| Return on assets (ROA) | 1.1797% | 1,823 |
| Pretax return on assets | 1.1797% | 2,989 |
| Return on Equity (ROE) | 11.9685% | 1,344 |
| Retained earnings to average equity (ytd only) | 3.9895% | 3,553 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0079% | 2,708 |
| Assets per employee ($millions) | 4.2116% | 3,624 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7350% | 969 |
| Loan loss allowance to noncurrent loans | 3,214.2857% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 5,117 |
| Noncurrent loans to loans | 0.0540% | 4,869 |
| Net loans and leases to total assets | 47.7762% | 4,844 |
| Net loans and leases to deposits | 53.7844% | 4,976 |
| Net loans and leases to core deposits | 56.8897% | 4,952 |
| Total domestic deposits to total assets | 88.8292% | 960 |
| Equity capital to assets | 10.4685% | 3,406 |
| Core capital (leverage) ratio | 9.4638% | 4,209 |
| Tier 1 risk-based capital ratio | 17.1423% | 2,120 |
| Total risk-based capital ratio | 18.3949% | 2,073 |
| Memoranda: | ||
| Average total assets | $81,034,500 | 4,610 |
| Average earning assets | $77,828,500 | 4,542 |
| Average equity | $7,987,500 | 4,835 |
| Average total loans | $35,418,500 | 4,906 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6811% | 4,279 |
| Cost of funding earning assets | 0.2859% | 4,228 |
| Net interest margin | 3.3952% | 3,791 |
| Noninterest income to average assets | 0.4006% | 3,689 |
| Noninterest expense to average assets | 2.5070% | 3,726 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1626% | 1,725 |
| Return on assets (ROA) | 1.1699% | 1,741 |
| Pretax return on assets | 1.1699% | 2,895 |
| Return on Equity (ROE) | 12.1156% | 1,266 |
| Retained earnings to average equity (ytd only) | 4.1997% | 3,208 |
| Net charge-offs to loans | 0.0058% | 3,253 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 473.0000% | 177 |
| Efficiency ratio | 68.2518% | 2,964 |
| Assets per employee ($millions) | 4.1166% | 3,756 |
| Cash dividends to net income (ytd only)* | 65.3361% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9000% | 721 |
| Loan loss allowance to noncurrent loans | 3,209.5238% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0255% | 5,166 |
| Noncurrent loans to loans | 0.0592% | 4,891 |
| Net loans and leases to total assets | 42.2667% | 5,132 |
| Net loans and leases to deposits | 47.3559% | 5,233 |
| Net loans and leases to core deposits | 49.9914% | 5,226 |
| Total domestic deposits to total assets | 89.2533% | 828 |
| Equity capital to assets | 10.0787% | 3,821 |
| Core capital (leverage) ratio | 9.2990% | 4,369 |
| Tier 1 risk-based capital ratio | 18.0238% | 1,847 |
| Total risk-based capital ratio | 19.2776% | 1,802 |
| Memoranda: | ||
| Average total assets | $81,372,330 | 4,639 |
| Average earning assets | $78,346,330 | 4,561 |
| Average equity | $7,857,670 | 4,877 |
| Average total loans | $34,256,000 | 4,977 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6471% | 4,289 |
| Cost of funding earning assets | 0.2817% | 4,238 |
| Net interest margin | 3.3653% | 3,783 |
| Noninterest income to average assets | 0.3066% | 4,371 |
| Noninterest expense to average assets | 2.4526% | 3,954 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1027% | 1,857 |
| Return on assets (ROA) | 1.1175% | 1,839 |
| Pretax return on assets | 1.1175% | 2,911 |
| Return on Equity (ROE) | 11.8363% | 1,292 |
| Retained earnings to average equity (ytd only) | 3.6137% | 3,631 |
| Net charge-offs to loans | 0.0238% | 2,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 111.5000% | 490 |
| Efficiency ratio | 68.9847% | 3,051 |
| Assets per employee ($millions) | 4.2564% | 3,576 |
| Cash dividends to net income (ytd only)* | 69.4690% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9938% | 678 |
| Loan loss allowance to noncurrent loans | 3,059.0909% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 5,208 |
| Noncurrent loans to loans | 0.0652% | 4,938 |
| Net loans and leases to total assets | 40.9071% | 5,213 |
| Net loans and leases to deposits | 45.6278% | 5,312 |
| Net loans and leases to core deposits | 48.1999% | 5,290 |
| Total domestic deposits to total assets | 89.6539% | 823 |
| Equity capital to assets | 9.6932% | 4,073 |
| Core capital (leverage) ratio | 9.2118% | 4,467 |
| Tier 1 risk-based capital ratio | 18.5136% | 1,738 |
| Total risk-based capital ratio | 19.7663% | 1,697 |
| Memoranda: | ||
| Average total assets | $80,892,500 | 4,701 |
| Average earning assets | $78,090,500 | 4,608 |
| Average equity | $7,637,500 | 4,950 |
| Average total loans | $33,647,500 | 5,038 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5692% | 4,592 |
| Cost of funding earning assets | 0.2733% | 4,323 |
| Net interest margin | 3.2959% | 4,156 |
| Noninterest income to average assets | 0.3251% | 4,412 |
| Noninterest expense to average assets | 2.2575% | 4,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2713% | 1,299 |
| Return on assets (ROA) | 1.2701% | 1,374 |
| Pretax return on assets | 1.2701% | 2,401 |
| Return on Equity (ROE) | 12.7499% | 1,057 |
| Retained earnings to average equity (ytd only) | 4.0795% | 3,015 |
| Net charge-offs to loans | 0.0124% | 3,855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 262.0000% | 274 |
| Efficiency ratio | 63.9739% | 3,945 |
| Assets per employee ($millions) | 4.7596% | 2,709 |
| Cash dividends to net income (ytd only)* | 68.0038% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0125% | 642 |
| Loan loss allowance to noncurrent loans | 2,934.7826% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 5,072 |
| Noncurrent loans to loans | 0.0686% | 4,965 |
| Net loans and leases to total assets | 40.6172% | 5,292 |
| Net loans and leases to deposits | 45.0446% | 5,400 |
| Net loans and leases to core deposits | 47.5615% | 5,386 |
| Total domestic deposits to total assets | 90.1710% | 571 |
| Equity capital to assets | 9.1900% | 4,593 |
| Core capital (leverage) ratio | 8.9603% | 4,784 |
| Tier 1 risk-based capital ratio | 18.5786% | 1,707 |
| Total risk-based capital ratio | 19.8323% | 1,672 |
| Memoranda: | ||
| Average total assets | $82,437,400 | 4,683 |
| Average earning assets | $80,130,000 | 4,584 |
| Average equity | $8,211,800 | 4,897 |
| Average total loans | $32,201,000 | 5,126 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5270% | 4,736 |
| Cost of funding earning assets | 0.2682% | 4,407 |
| Net interest margin | 3.2588% | 4,319 |
| Noninterest income to average assets | 0.3204% | 4,482 |
| Noninterest expense to average assets | 2.1798% | 4,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3089% | 1,265 |
| Return on assets (ROA) | 1.3089% | 1,358 |
| Pretax return on assets | 1.3089% | 2,395 |
| Return on Equity (ROE) | 12.8956% | 1,087 |
| Retained earnings to average equity (ytd only) | 4.5206% | 3,123 |
| Net charge-offs to loans | 0.0209% | 3,276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 162.5142% | 436 |
| Efficiency ratio | 62.4827% | 4,143 |
| Assets per employee ($millions) | 4.7318% | 2,698 |
| Cash dividends to net income (ytd only)* | 64.9446% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9614% | 771 |
| Loan loss allowance to noncurrent loans | 1,225.4545% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 5,166 |
| Noncurrent loans to loans | 0.1601% | 4,713 |
| Net loans and leases to total assets | 41.8816% | 5,298 |
| Net loans and leases to deposits | 47.3680% | 5,397 |
| Net loans and leases to core deposits | 50.0825% | 5,380 |
| Total domestic deposits to total assets | 88.4176% | 1,183 |
| Equity capital to assets | 10.8875% | 3,151 |
| Core capital (leverage) ratio | 9.0750% | 4,750 |
| Tier 1 risk-based capital ratio | 18.2789% | 1,841 |
| Total risk-based capital ratio | 19.5331% | 1,812 |
| Memoranda: | ||
| Average total assets | $82,818,250 | 4,708 |
| Average earning assets | $80,519,250 | 4,614 |
| Average equity | $8,405,750 | 4,908 |
| Average total loans | $31,866,250 | 5,187 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4426% | 4,995 |
| Cost of funding earning assets | 0.2652% | 4,499 |
| Net interest margin | 3.1774% | 4,619 |
| Noninterest income to average assets | 0.3229% | 4,475 |
| Noninterest expense to average assets | 2.1241% | 5,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2941% | 1,285 |
| Return on assets (ROA) | 1.2941% | 1,397 |
| Pretax return on assets | 1.2941% | 2,432 |
| Return on Equity (ROE) | 13.0545% | 1,016 |
| Retained earnings to average equity (ytd only) | 4.6089% | 2,974 |
| Net charge-offs to loans | 0.0193% | 3,108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 180.3333% | 359 |
| Efficiency ratio | 62.1414% | 4,331 |
| Assets per employee ($millions) | 4.5608% | 2,920 |
| Cash dividends to net income (ytd only)* | 64.6950% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0767% | 638 |
| Loan loss allowance to noncurrent loans | 1,229.0909% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0731% | 5,249 |
| Noncurrent loans to loans | 0.1690% | 4,763 |
| Net loans and leases to total assets | 38.8270% | 5,475 |
| Net loans and leases to deposits | 43.7177% | 5,577 |
| Net loans and leases to core deposits | 46.1548% | 5,558 |
| Total domestic deposits to total assets | 88.8130% | 1,005 |
| Equity capital to assets | 10.5025% | 3,629 |
| Core capital (leverage) ratio | 8.6957% | 5,175 |
| Tier 1 risk-based capital ratio | 18.5920% | 1,780 |
| Total risk-based capital ratio | 19.8458% | 1,743 |
| Memoranda: | ||
| Average total assets | $83,610,670 | 4,727 |
| Average earning assets | $81,450,000 | 4,634 |
| Average equity | $8,288,330 | 4,974 |
| Average total loans | $31,033,670 | 5,263 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4182% | 5,081 |
| Cost of funding earning assets | 0.2629% | 4,576 |
| Net interest margin | 3.1553% | 4,718 |
| Noninterest income to average assets | 0.3319% | 4,360 |
| Noninterest expense to average assets | 2.0956% | 5,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3085% | 1,233 |
| Return on assets (ROA) | 1.3085% | 1,310 |
| Pretax return on assets | 1.3085% | 2,269 |
| Return on Equity (ROE) | 13.5935% | 910 |
| Retained earnings to average equity (ytd only) | 5.5655% | 2,606 |
| Net charge-offs to loans | -0.0132% | 4,655 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5599% | 4,518 |
| Assets per employee ($millions) | 4.9293% | 2,419 |
| Cash dividends to net income (ytd only)* | 59.0580% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2748% | 535 |
| Loan loss allowance to noncurrent loans | 1,837.8378% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 5,447 |
| Noncurrent loans to loans | 0.1238% | 4,980 |
| Net loans and leases to total assets | 34.8612% | 5,682 |
| Net loans and leases to deposits | 38.9995% | 5,743 |
| Net loans and leases to core deposits | 40.9369% | 5,750 |
| Total domestic deposits to total assets | 89.3888% | 896 |
| Equity capital to assets | 9.9597% | 4,131 |
| Core capital (leverage) ratio | 8.4817% | 5,410 |
| Tier 1 risk-based capital ratio | 19.7727% | 1,553 |
| Total risk-based capital ratio | 21.0299% | 1,517 |
| Memoranda: | ||
| Average total assets | $84,368,500 | 4,759 |
| Average earning assets | $82,148,000 | 4,656 |
| Average equity | $8,121,500 | 5,034 |
| Average total loans | $30,275,000 | 5,329 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6049% | 4,663 |
| Cost of funding earning assets | 0.2647% | 4,645 |
| Net interest margin | 3.3401% | 4,149 |
| Noninterest income to average assets | 0.3441% | 4,454 |
| Noninterest expense to average assets | 2.2571% | 4,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2795% | 1,322 |
| Return on assets (ROA) | 1.2795% | 1,363 |
| Pretax return on assets | 1.2845% | 2,336 |
| Return on Equity (ROE) | 13.2883% | 997 |
| Retained earnings to average equity (ytd only) | 6.4248% | 1,583 |
| Net charge-offs to loans | -0.0033% | 4,922 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7320% | 4,324 |
| Assets per employee ($millions) | 4.9964% | 2,366 |
| Cash dividends to net income (ytd only)* | 51.6505% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2148% | 581 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 35.2936% | 5,733 |
| Net loans and leases to deposits | 39.2249% | 5,799 |
| Net loans and leases to core deposits | 41.1305% | 5,793 |
| Total domestic deposits to total assets | 89.9775% | 640 |
| Equity capital to assets | 9.2973% | 4,797 |
| Core capital (leverage) ratio | 8.5515% | 5,375 |
| Tier 1 risk-based capital ratio | 19.0889% | 1,686 |
| Total risk-based capital ratio | 20.3435% | 1,638 |
| Memoranda: | ||
| Average total assets | $80,500,400 | 4,859 |
| Average earning assets | $77,062,800 | 4,785 |
| Average equity | $7,751,200 | 5,095 |
| Average total loans | $30,387,800 | 5,347 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6400% | 4,607 |
| Cost of funding earning assets | 0.2590% | 4,780 |
| Net interest margin | 3.3810% | 4,032 |
| Noninterest income to average assets | 0.3510% | 4,433 |
| Noninterest expense to average assets | 2.2420% | 4,931 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3251% | 1,276 |
| Return on assets (ROA) | 1.3251% | 1,336 |
| Pretax return on assets | 1.3318% | 2,278 |
| Return on Equity (ROE) | 13.6358% | 971 |
| Retained earnings to average equity (ytd only) | 7.6561% | 1,388 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7350% | 4,451 |
| Assets per employee ($millions) | 4.5856% | 2,859 |
| Cash dividends to net income (ytd only)* | 43.8530% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1085% | 766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 40.3792% | 5,571 |
| Net loans and leases to deposits | 45.4025% | 5,673 |
| Net loans and leases to core deposits | 47.8651% | 5,661 |
| Total domestic deposits to total assets | 88.9361% | 1,058 |
| Equity capital to assets | 10.2019% | 3,930 |
| Core capital (leverage) ratio | 8.9883% | 5,004 |
| Tier 1 risk-based capital ratio | 18.3631% | 1,936 |
| Total risk-based capital ratio | 19.6188% | 1,894 |
| Memoranda: | ||
| Average total assets | $79,390,750 | 4,938 |
| Average earning assets | $75,676,500 | 4,874 |
| Average equity | $7,714,750 | 5,169 |
| Average total loans | $30,320,500 | 5,410 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5502% | 4,859 |
| Cost of funding earning assets | 0.2541% | 4,894 |
| Net interest margin | 3.2961% | 4,314 |
| Noninterest income to average assets | 0.3456% | 4,486 |
| Noninterest expense to average assets | 2.2011% | 5,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2846% | 1,363 |
| Return on assets (ROA) | 1.2846% | 1,427 |
| Pretax return on assets | 1.2946% | 2,384 |
| Return on Equity (ROE) | 13.4375% | 1,029 |
| Retained earnings to average equity (ytd only) | 9.2727% | 835 |
| Net charge-offs to loans | 0.0202% | 3,279 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 172.3333% | 384 |
| Efficiency ratio | 62.9656% | 4,526 |
| Assets per employee ($millions) | 4.4099% | 3,125 |
| Cash dividends to net income (ytd only)* | 30.9942% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1594% | 780 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 5,646 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 38.5296% | 5,713 |
| Net loans and leases to deposits | 42.9816% | 5,802 |
| Net loans and leases to core deposits | 45.2466% | 5,792 |
| Total domestic deposits to total assets | 89.6420% | 817 |
| Equity capital to assets | 9.5366% | 4,602 |
| Core capital (leverage) ratio | 8.6918% | 5,329 |
| Tier 1 risk-based capital ratio | 18.5665% | 1,903 |
| Total risk-based capital ratio | 19.8230% | 1,861 |
| Memoranda: | ||
| Average total assets | $79,869,000 | 4,981 |
| Average earning assets | $76,333,670 | 4,913 |
| Average equity | $7,635,330 | 5,237 |
| Average total loans | $29,708,670 | 5,482 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4675% | 5,043 |
| Cost of funding earning assets | 0.2458% | 5,067 |
| Net interest margin | 3.2217% | 4,520 |
| Noninterest income to average assets | 0.3295% | 4,555 |
| Noninterest expense to average assets | 2.2018% | 5,140 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1833% | 1,597 |
| Return on assets (ROA) | 1.1833% | 1,694 |
| Pretax return on assets | 1.2033% | 2,653 |
| Return on Equity (ROE) | 12.3631% | 1,252 |
| Retained earnings to average equity (ytd only) | 12.3631% | 520 |
| Net charge-offs to loans | -0.0138% | 4,877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6628% | 4,369 |
| Assets per employee ($millions) | 4.7066% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3557% | 658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 5,717 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 35.2268% | 5,864 |
| Net loans and leases to deposits | 39.4679% | 5,934 |
| Net loans and leases to core deposits | 40.9383% | 5,942 |
| Total domestic deposits to total assets | 89.2542% | 1,112 |
| Equity capital to assets | 9.9359% | 4,218 |
| Core capital (leverage) ratio | 8.4536% | 5,572 |
| Tier 1 risk-based capital ratio | 19.6869% | 1,695 |
| Total risk-based capital ratio | 20.9440% | 1,656 |
| Memoranda: | ||
| Average total assets | $80,114,500 | 5,020 |
| Average earning assets | $76,482,500 | 4,956 |
| Average equity | $7,668,000 | 5,266 |
| Average total loans | $28,933,500 | 5,560 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6284% | 5,006 |
| Cost of funding earning assets | 0.2511% | 5,310 |
| Net interest margin | 3.3773% | 4,291 |
| Noninterest income to average assets | 0.3811% | 4,337 |
| Noninterest expense to average assets | 2.6856% | 3,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7432% | 3,662 |
| Return on assets (ROA) | 0.8013% | 3,463 |
| Pretax return on assets | 1.0365% | 3,366 |
| Return on Equity (ROE) | 7.6377% | 3,304 |
| Retained earnings to average equity (ytd only) | -19.8556% | 6,421 |
| Net charge-offs to loans | -0.0035% | 5,429 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6461% | 2,892 |
| Assets per employee ($millions) | 4.0108% | 3,934 |
| Cash dividends to net income (ytd only)* | 359.9686% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3413% | 679 |
| Loan loss allowance to noncurrent loans | 67,900.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 5,797 |
| Noncurrent loans to loans | 0.0034% | 5,914 |
| Net loans and leases to total assets | 35.3072% | 5,981 |
| Net loans and leases to deposits | 39.2261% | 6,056 |
| Net loans and leases to core deposits | 41.4258% | 6,062 |
| Total domestic deposits to total assets | 90.0095% | 727 |
| Equity capital to assets | 9.2076% | 5,064 |
| Core capital (leverage) ratio | 8.1483% | 5,891 |
| Tier 1 risk-based capital ratio | 18.3849% | 2,022 |
| Total risk-based capital ratio | 19.6430% | 1,988 |
| Memoranda: | ||
| Average total assets | $79,499,000 | 5,073 |
| Average earning assets | $76,865,200 | 4,961 |
| Average equity | $8,340,200 | 5,118 |
| Average total loans | $28,351,600 | 5,637 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6351% | 5,054 |
| Cost of funding earning assets | 0.2460% | 5,445 |
| Net interest margin | 3.3890% | 4,281 |
| Noninterest income to average assets | 0.3832% | 4,371 |
| Noninterest expense to average assets | 2.4962% | 4,540 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9181% | 2,828 |
| Return on assets (ROA) | 0.9968% | 2,529 |
| Pretax return on assets | 1.2758% | 2,474 |
| Return on Equity (ROE) | 9.2164% | 2,580 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,789 |
| Net charge-offs to loans | 0.0047% | 4,541 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 700.7368% | 109 |
| Efficiency ratio | 67.9945% | 3,856 |
| Assets per employee ($millions) | 4.0494% | 3,778 |
| Cash dividends to net income (ytd only)* | 100.0000% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3469% | 786 |
| Loan loss allowance to noncurrent loans | 67,600.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 5,916 |
| Noncurrent loans to loans | 0.0035% | 6,034 |
| Net loans and leases to total assets | 36.5593% | 6,011 |
| Net loans and leases to deposits | 41.9214% | 6,054 |
| Net loans and leases to core deposits | 44.4592% | 6,020 |
| Total domestic deposits to total assets | 87.2092% | 2,189 |
| Equity capital to assets | 11.6574% | 2,356 |
| Core capital (leverage) ratio | 10.4337% | 3,116 |
| Tier 1 risk-based capital ratio | 23.5767% | 1,038 |
| Total risk-based capital ratio | 24.8342% | 1,023 |
| Memoranda: | ||
| Average total assets | $79,319,750 | 5,138 |
| Average earning assets | $76,952,250 | 5,012 |
| Average equity | $8,578,750 | 5,114 |
| Average total loans | $28,189,250 | 5,698 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5752% | 5,220 |
| Cost of funding earning assets | 0.2438% | 5,550 |
| Net interest margin | 3.3313% | 4,470 |
| Noninterest income to average assets | 0.3770% | 4,431 |
| Noninterest expense to average assets | 2.4315% | 4,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8178% | 3,245 |
| Return on assets (ROA) | 0.9212% | 2,798 |
| Pretax return on assets | 1.3356% | 2,132 |
| Return on Equity (ROE) | 8.7351% | 2,717 |
| Retained earnings to average equity (ytd only) | -1.3257% | 5,905 |
| Net charge-offs to loans | 0.3145% | 1,281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 10.7955% | 2,211 |
| Efficiency ratio | 67.2188% | 4,156 |
| Assets per employee ($millions) | 4.4746% | 2,961 |
| Cash dividends to net income (ytd only)* | 115.1762% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2027% | 1,019 |
| Loan loss allowance to noncurrent loans | 31,650.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 6,268 |
| Noncurrent loans to loans | 0.0070% | 6,076 |
| Net loans and leases to total assets | 34.8932% | 6,110 |
| Net loans and leases to deposits | 39.6501% | 6,167 |
| Net loans and leases to core deposits | 41.9287% | 6,151 |
| Total domestic deposits to total assets | 88.0027% | 1,898 |
| Equity capital to assets | 10.9184% | 2,960 |
| Core capital (leverage) ratio | 10.1153% | 3,451 |
| Tier 1 risk-based capital ratio | 22.9571% | 1,117 |
| Total risk-based capital ratio | 24.2125% | 1,100 |
| Memoranda: | ||
| Average total assets | $80,113,670 | 5,157 |
| Average earning assets | $77,926,670 | 5,021 |
| Average equity | $8,448,670 | 5,165 |
| Average total loans | $27,984,330 | 5,749 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5939% | 5,184 |
| Cost of funding earning assets | 0.2468% | 5,611 |
| Net interest margin | 3.3471% | 4,342 |
| Noninterest income to average assets | 0.3855% | 4,305 |
| Noninterest expense to average assets | 2.4531% | 4,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4686% | 4,850 |
| Return on assets (ROA) | 0.6608% | 3,981 |
| Pretax return on assets | 1.4919% | 1,453 |
| Return on Equity (ROE) | 6.3799% | 3,814 |
| Retained earnings to average equity (ytd only) | -5.6066% | 6,161 |
| Net charge-offs to loans | 0.0580% | 2,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 59.5000% | 660 |
| Efficiency ratio | 67.3077% | 4,313 |
| Assets per employee ($millions) | 4.2696% | 3,403 |
| Cash dividends to net income (ytd only)* | 187.8788% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4008% | 909 |
| Loan loss allowance to noncurrent loans | 343.8776% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 5,433 |
| Noncurrent loans to loans | 0.6982% | 4,120 |
| Net loans and leases to total assets | 33.7763% | 6,191 |
| Net loans and leases to deposits | 38.0815% | 6,245 |
| Net loans and leases to core deposits | 40.2344% | 6,222 |
| Total domestic deposits to total assets | 88.6948% | 1,836 |
| Equity capital to assets | 10.3104% | 3,454 |
| Core capital (leverage) ratio | 10.1920% | 3,302 |
| Tier 1 risk-based capital ratio | 22.6270% | 1,189 |
| Total risk-based capital ratio | 23.8848% | 1,171 |
| Memoranda: | ||
| Average total assets | $79,899,000 | 5,211 |
| Average earning assets | $77,799,500 | 5,074 |
| Average equity | $8,276,000 | 5,224 |
| Average total loans | $27,608,000 | 5,824 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5607% | 5,506 |
| Cost of funding earning assets | 0.2830% | 5,741 |
| Net interest margin | 3.2777% | 4,743 |
| Noninterest income to average assets | 0.4363% | 4,186 |
| Noninterest expense to average assets | 2.1444% | 5,742 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1474% | 1,766 |
| Return on assets (ROA) | 1.1474% | 1,831 |
| Pretax return on assets | 1.4881% | 1,484 |
| Return on Equity (ROE) | 10.9334% | 1,786 |
| Retained earnings to average equity (ytd only) | 4.5250% | 2,953 |
| Net charge-offs to loans | -0.0113% | 6,037 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0349% | 5,602 |
| Assets per employee ($millions) | 4.1408% | 3,550 |
| Cash dividends to net income (ytd only)* | 58.6132% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4943% | 832 |
| Loan loss allowance to noncurrent loans | 1,471.7391% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 6,116 |
| Noncurrent loans to loans | 0.1695% | 5,688 |
| Net loans and leases to total assets | 33.6380% | 6,311 |
| Net loans and leases to deposits | 37.8970% | 6,369 |
| Net loans and leases to core deposits | 40.1076% | 6,361 |
| Total domestic deposits to total assets | 88.7615% | 1,772 |
| Equity capital to assets | 10.4072% | 3,278 |
| Core capital (leverage) ratio | 10.3048% | 3,147 |
| Tier 1 risk-based capital ratio | 23.8430% | 970 |
| Total risk-based capital ratio | 24.5339% | 1,029 |
| Memoranda: | ||
| Average total assets | $80,440,400 | 5,228 |
| Average earning assets | $78,439,400 | 5,076 |
| Average equity | $8,442,000 | 5,229 |
| Average total loans | $26,570,600 | 5,906 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5127% | 5,656 |
| Cost of funding earning assets | 0.2874% | 5,835 |
| Net interest margin | 3.2254% | 4,911 |
| Noninterest income to average assets | 0.4352% | 4,265 |
| Noninterest expense to average assets | 2.0029% | 6,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1984% | 1,643 |
| Return on assets (ROA) | 1.1984% | 1,714 |
| Pretax return on assets | 1.5776% | 1,395 |
| Return on Equity (ROE) | 11.3963% | 1,681 |
| Retained earnings to average equity (ytd only) | 2.9156% | 4,579 |
| Net charge-offs to loans | -0.0101% | 5,894 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9392% | 5,909 |
| Assets per employee ($millions) | 4.8501% | 2,365 |
| Cash dividends to net income (ytd only)* | 74.4158% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4865% | 950 |
| Loan loss allowance to noncurrent loans | 994.1176% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 6,117 |
| Noncurrent loans to loans | 0.2501% | 5,600 |
| Net loans and leases to total assets | 34.1632% | 6,355 |
| Net loans and leases to deposits | 38.7118% | 6,422 |
| Net loans and leases to core deposits | 41.3491% | 6,408 |
| Total domestic deposits to total assets | 88.2502% | 1,968 |
| Equity capital to assets | 10.4612% | 3,327 |
| Core capital (leverage) ratio | 9.9000% | 3,811 |
| Tier 1 risk-based capital ratio | 23.3108% | 1,093 |
| Total risk-based capital ratio | 24.5701% | 1,074 |
| Memoranda: | ||
| Average total assets | $80,881,500 | 5,265 |
| Average earning assets | $78,872,750 | 5,111 |
| Average equity | $8,505,500 | 5,270 |
| Average total loans | $26,427,750 | 5,978 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4629% | 5,762 |
| Cost of funding earning assets | 0.2950% | 5,867 |
| Net interest margin | 3.1679% | 5,056 |
| Noninterest income to average assets | 0.4221% | 4,363 |
| Noninterest expense to average assets | 1.8615% | 6,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2418% | 1,483 |
| Return on assets (ROA) | 1.2418% | 1,574 |
| Pretax return on assets | 1.6517% | 1,230 |
| Return on Equity (ROE) | 11.7897% | 1,557 |
| Retained earnings to average equity (ytd only) | 3.0806% | 4,361 |
| Net charge-offs to loans | -0.0153% | 5,881 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9861% | 6,221 |
| Assets per employee ($millions) | 4.9298% | 2,187 |
| Cash dividends to net income (ytd only)* | 73.8703% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5850% | 895 |
| Loan loss allowance to noncurrent loans | 938.8889% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 6,217 |
| Noncurrent loans to loans | 0.2753% | 5,612 |
| Net loans and leases to total assets | 32.2971% | 6,495 |
| Net loans and leases to deposits | 36.5202% | 6,541 |
| Net loans and leases to core deposits | 38.9574% | 6,509 |
| Total domestic deposits to total assets | 88.4364% | 1,959 |
| Equity capital to assets | 10.2463% | 3,597 |
| Core capital (leverage) ratio | 9.5992% | 4,082 |
| Tier 1 risk-based capital ratio | 23.6923% | 1,032 |
| Total risk-based capital ratio | 24.9511% | 1,016 |
| Memoranda: | ||
| Average total assets | $81,975,000 | 5,275 |
| Average earning assets | $79,990,330 | 5,117 |
| Average equity | $8,634,670 | 5,268 |
| Average total loans | $26,174,670 | 6,015 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3858% | 5,976 |
| Cost of funding earning assets | 0.2993% | 5,968 |
| Net interest margin | 3.0864% | 5,316 |
| Noninterest income to average assets | 0.4119% | 4,374 |
| Noninterest expense to average assets | 2.0018% | 6,101 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0967% | 1,863 |
| Return on assets (ROA) | 1.0967% | 1,973 |
| Pretax return on assets | 1.4223% | 1,794 |
| Return on Equity (ROE) | 10.2794% | 1,962 |
| Retained earnings to average equity (ytd only) | 2.8729% | 4,560 |
| Net charge-offs to loans | -0.0153% | 5,600 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4615% | 5,788 |
| Assets per employee ($millions) | 5.2789% | 1,886 |
| Cash dividends to net income (ytd only)* | 72.0524% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5684% | 1,044 |
| Loan loss allowance to noncurrent loans | 16,875.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 6,453 |
| Noncurrent loans to loans | 0.0152% | 6,454 |
| Net loans and leases to total assets | 30.3162% | 6,594 |
| Net loans and leases to deposits | 34.5299% | 6,616 |
| Net loans and leases to core deposits | 36.5795% | 6,608 |
| Total domestic deposits to total assets | 87.7970% | 2,459 |
| Equity capital to assets | 10.5064% | 3,529 |
| Core capital (leverage) ratio | 9.3833% | 4,270 |
| Tier 1 risk-based capital ratio | 23.0590% | 1,151 |
| Total risk-based capital ratio | 24.3181% | 1,126 |
| Memoranda: | ||
| Average total assets | $83,524,000 | 5,283 |
| Average earning assets | $81,518,000 | 5,101 |
| Average equity | $8,911,000 | 5,240 |
| Average total loans | $26,186,500 | 6,062 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7901% | 5,849 |
| Cost of funding earning assets | 0.4389% | 5,659 |
| Net interest margin | 3.3512% | 5,067 |
| Noninterest income to average assets | 0.4871% | 3,982 |
| Noninterest expense to average assets | 2.2406% | 5,833 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0829% | 1,998 |
| Return on assets (ROA) | 1.5143% | 984 |
| Pretax return on assets | 2.1135% | 480 |
| Return on Equity (ROE) | 13.6157% | 1,077 |
| Retained earnings to average equity (ytd only) | 3.4294% | 3,812 |
| Net charge-offs to loans | -0.0148% | 6,517 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6715% | 5,593 |
| Assets per employee ($millions) | 5.1616% | 2,029 |
| Cash dividends to net income (ytd only)* | 74.8130% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5832% | 1,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 6,515 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 30.7780% | 6,672 |
| Net loans and leases to deposits | 35.2421% | 6,706 |
| Net loans and leases to core deposits | 37.3937% | 6,699 |
| Total domestic deposits to total assets | 87.3331% | 2,625 |
| Equity capital to assets | 10.8349% | 3,137 |
| Core capital (leverage) ratio | 9.7484% | 3,728 |
| Tier 1 risk-based capital ratio | 23.4757% | 1,041 |
| Total risk-based capital ratio | 24.7351% | 1,018 |
| Memoranda: | ||
| Average total assets | $79,443,400 | 5,370 |
| Average earning assets | $77,465,600 | 5,204 |
| Average equity | $8,835,400 | 5,266 |
| Average total loans | $27,116,800 | 6,076 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8672% | 5,867 |
| Cost of funding earning assets | 0.4660% | 5,673 |
| Net interest margin | 3.4011% | 5,032 |
| Noninterest income to average assets | 0.4882% | 3,997 |
| Noninterest expense to average assets | 2.2578% | 5,802 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1057% | 2,065 |
| Return on assets (ROA) | 1.5510% | 1,044 |
| Pretax return on assets | 2.1731% | 503 |
| Return on Equity (ROE) | 13.8519% | 1,141 |
| Retained earnings to average equity (ytd only) | 3.5878% | 4,353 |
| Net charge-offs to loans | -0.0146% | 6,432 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3583% | 5,604 |
| Assets per employee ($millions) | 4.5834% | 2,772 |
| Cash dividends to net income (ytd only)* | 74.0985% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4762% | 1,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 6,615 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 33.9665% | 6,657 |
| Net loans and leases to deposits | 39.4279% | 6,699 |
| Net loans and leases to core deposits | 42.1917% | 6,663 |
| Total domestic deposits to total assets | 86.1483% | 3,171 |
| Equity capital to assets | 11.6700% | 2,570 |
| Core capital (leverage) ratio | 10.0874% | 3,420 |
| Tier 1 risk-based capital ratio | 23.4044% | 1,112 |
| Total risk-based capital ratio | 24.6647% | 1,090 |
| Memoranda: | ||
| Average total assets | $78,658,000 | 5,444 |
| Average earning assets | $76,678,000 | 5,274 |
| Average equity | $8,807,250 | 5,323 |
| Average total loans | $27,373,000 | 6,143 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8580% | 6,015 |
| Cost of funding earning assets | 0.5017% | 5,604 |
| Net interest margin | 3.3562% | 5,245 |
| Noninterest income to average assets | 0.4917% | 3,972 |
| Noninterest expense to average assets | 2.1596% | 6,106 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1291% | 1,947 |
| Return on assets (ROA) | 1.7337% | 711 |
| Pretax return on assets | 2.4561% | 316 |
| Return on Equity (ROE) | 15.7025% | 819 |
| Retained earnings to average equity (ytd only) | 3.9945% | 3,954 |
| Net charge-offs to loans | -0.0146% | 6,363 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3737% | 5,947 |
| Assets per employee ($millions) | 4.5799% | 2,758 |
| Cash dividends to net income (ytd only)* | 74.5614% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4507% | 1,350 |
| Loan loss allowance to noncurrent loans | 6,720.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 6,808 |
| Noncurrent loans to loans | 0.0365% | 6,591 |
| Net loans and leases to total assets | 34.3557% | 6,714 |
| Net loans and leases to deposits | 39.6699% | 6,743 |
| Net loans and leases to core deposits | 42.4311% | 6,715 |
| Total domestic deposits to total assets | 86.6040% | 3,007 |
| Equity capital to assets | 11.3295% | 2,751 |
| Core capital (leverage) ratio | 9.7291% | 3,795 |
| Tier 1 risk-based capital ratio | 23.1506% | 1,112 |
| Total risk-based capital ratio | 24.4105% | 1,094 |
| Memoranda: | ||
| Average total assets | $78,904,670 | 5,470 |
| Average earning assets | $76,931,330 | 5,301 |
| Average equity | $8,712,000 | 5,348 |
| Average total loans | $27,451,330 | 6,179 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8009% | 6,242 |
| Cost of funding earning assets | 0.5371% | 5,569 |
| Net interest margin | 3.2638% | 5,600 |
| Noninterest income to average assets | 0.4784% | 4,079 |
| Noninterest expense to average assets | 2.1000% | 6,273 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0843% | 2,155 |
| Return on assets (ROA) | 1.8281% | 642 |
| Pretax return on assets | 2.6238% | 280 |
| Return on Equity (ROE) | 16.7716% | 706 |
| Retained earnings to average equity (ytd only) | 4.4817% | 3,901 |
| Net charge-offs to loans | -0.0146% | 6,068 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3590% | 5,998 |
| Assets per employee ($millions) | 4.7362% | 2,607 |
| Cash dividends to net income (ytd only)* | 73.2782% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4677% | 1,399 |
| Loan loss allowance to noncurrent loans | 6,109.0909% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 6,889 |
| Noncurrent loans to loans | 0.0404% | 6,656 |
| Net loans and leases to total assets | 32.9876% | 6,781 |
| Net loans and leases to deposits | 37.8412% | 6,828 |
| Net loans and leases to core deposits | 40.8370% | 6,790 |
| Total domestic deposits to total assets | 87.1738% | 2,850 |
| Equity capital to assets | 10.7098% | 3,257 |
| Core capital (leverage) ratio | 9.6036% | 3,911 |
| Tier 1 risk-based capital ratio | 24.3988% | 962 |
| Total risk-based capital ratio | 25.6570% | 947 |
| Memoranda: | ||
| Average total assets | $79,427,500 | 5,492 |
| Average earning assets | $77,455,000 | 5,315 |
| Average equity | $8,657,500 | 5,378 |
| Average total loans | $27,466,500 | 6,217 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2778% | 5,825 |
| Cost of funding earning assets | 0.6800% | 5,661 |
| Net interest margin | 3.5979% | 4,744 |
| Noninterest income to average assets | 0.4896% | 3,928 |
| Noninterest expense to average assets | 2.2245% | 6,219 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2758% | 1,302 |
| Return on assets (ROA) | 1.4922% | 913 |
| Pretax return on assets | 2.0496% | 481 |
| Return on Equity (ROE) | 13.7462% | 999 |
| Retained earnings to average equity (ytd only) | 3.5238% | 3,714 |
| Net charge-offs to loans | 0.0320% | 5,999 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 149.2222% | 224 |
| Efficiency ratio | 55.9239% | 6,320 |
| Assets per employee ($millions) | 4.8963% | 2,324 |
| Cash dividends to net income (ytd only)* | 74.3657% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4187% | 1,432 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 34.5047% | 6,846 |
| Net loans and leases to deposits | 39.7632% | 6,895 |
| Net loans and leases to core deposits | 43.2524% | 6,842 |
| Total domestic deposits to total assets | 86.7756% | 2,886 |
| Equity capital to assets | 11.0952% | 2,894 |
| Core capital (leverage) ratio | 9.6673% | 3,788 |
| Tier 1 risk-based capital ratio | 24.9967% | 869 |
| Total risk-based capital ratio | 26.2593% | 861 |
| Memoranda: | ||
| Average total assets | $76,600,000 | 5,551 |
| Average earning assets | $74,266,400 | 5,393 |
| Average equity | $8,315,000 | 5,472 |
| Average total loans | $28,101,600 | 6,245 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3803% | 5,671 |
| Cost of funding earning assets | 0.6957% | 5,799 |
| Net interest margin | 3.6846% | 4,408 |
| Noninterest income to average assets | 0.4481% | 4,309 |
| Noninterest expense to average assets | 2.2389% | 6,190 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2877% | 1,412 |
| Return on assets (ROA) | 1.5650% | 900 |
| Pretax return on assets | 2.1637% | 460 |
| Return on Equity (ROE) | 14.4995% | 942 |
| Retained earnings to average equity (ytd only) | 3.6978% | 4,115 |
| Net charge-offs to loans | 0.2506% | 3,861 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 19.1711% | 1,269 |
| Efficiency ratio | 55.7298% | 6,318 |
| Assets per employee ($millions) | 4.7941% | 2,480 |
| Cash dividends to net income (ytd only)* | 74.4968% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1971% | 1,866 |
| Loan loss allowance to noncurrent loans | 1,388.8889% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 6,903 |
| Noncurrent loans to loans | 0.1582% | 6,551 |
| Net loans and leases to total assets | 36.2701% | 6,855 |
| Net loans and leases to deposits | 42.1218% | 6,907 |
| Net loans and leases to core deposits | 46.1522% | 6,841 |
| Total domestic deposits to total assets | 86.1078% | 3,166 |
| Equity capital to assets | 11.3604% | 2,810 |
| Core capital (leverage) ratio | 9.9471% | 3,514 |
| Tier 1 risk-based capital ratio | 23.5006% | 1,074 |
| Total risk-based capital ratio | 24.7609% | 1,052 |
| Memoranda: | ||
| Average total assets | $76,165,000 | 5,606 |
| Average earning assets | $73,783,500 | 5,453 |
| Average equity | $8,220,750 | 5,533 |
| Average total loans | $28,201,750 | 6,294 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3881% | 5,735 |
| Cost of funding earning assets | 0.7169% | 5,856 |
| Net interest margin | 3.6712% | 4,405 |
| Noninterest income to average assets | 0.4396% | 4,348 |
| Noninterest expense to average assets | 2.1531% | 6,497 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3369% | 1,222 |
| Return on assets (ROA) | 1.5714% | 817 |
| Pretax return on assets | 2.1662% | 436 |
| Return on Equity (ROE) | 14.8206% | 832 |
| Retained earnings to average equity (ytd only) | 3.7983% | 3,799 |
| Net charge-offs to loans | -0.1067% | 7,179 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8512% | 6,632 |
| Assets per employee ($millions) | 5.0193% | 2,097 |
| Cash dividends to net income (ytd only)* | 74.3719% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4106% | 1,571 |
| Loan loss allowance to noncurrent loans | 1,067.6923% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 6,882 |
| Noncurrent loans to loans | 0.2258% | 6,455 |
| Net loans and leases to total assets | 37.3170% | 6,895 |
| Net loans and leases to deposits | 43.0953% | 6,953 |
| Net loans and leases to core deposits | 47.2488% | 6,888 |
| Total domestic deposits to total assets | 86.5918% | 2,993 |
| Equity capital to assets | 11.1157% | 2,850 |
| Core capital (leverage) ratio | 9.7484% | 3,601 |
| Tier 1 risk-based capital ratio | 23.5460% | 1,053 |
| Total risk-based capital ratio | 24.8088% | 1,040 |
| Memoranda: | ||
| Average total assets | $75,985,000 | 5,654 |
| Average earning assets | $73,654,000 | 5,502 |
| Average equity | $8,056,330 | 5,595 |
| Average total loans | $28,120,330 | 6,361 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2499% | 6,148 |
| Cost of funding earning assets | 0.7408% | 5,920 |
| Net interest margin | 3.5091% | 4,969 |
| Noninterest income to average assets | 0.4297% | 4,452 |
| Noninterest expense to average assets | 2.1642% | 6,502 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1743% | 1,587 |
| Return on assets (ROA) | 1.6245% | 694 |
| Pretax return on assets | 2.3005% | 346 |
| Return on Equity (ROE) | 15.6962% | 712 |
| Retained earnings to average equity (ytd only) | 4.1013% | 3,702 |
| Net charge-offs to loans | -0.0144% | 6,463 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4979% | 6,444 |
| Assets per employee ($millions) | 5.1544% | 1,956 |
| Cash dividends to net income (ytd only)* | 73.8710% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4296% | 1,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 35.3200% | 7,033 |
| Net loans and leases to deposits | 40.3660% | 7,081 |
| Net loans and leases to core deposits | 43.9912% | 7,040 |
| Total domestic deposits to total assets | 87.4994% | 2,658 |
| Equity capital to assets | 10.3161% | 3,395 |
| Core capital (leverage) ratio | 9.5099% | 3,789 |
| Tier 1 risk-based capital ratio | 23.8720% | 986 |
| Total risk-based capital ratio | 25.1324% | 964 |
| Memoranda: | ||
| Average total assets | $76,332,500 | 5,694 |
| Average earning assets | $73,978,500 | 5,537 |
| Average equity | $7,900,000 | 5,642 |
| Average total loans | $27,785,500 | 6,426 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5635% | 6,207 |
| Cost of funding earning assets | 1.0097% | 5,647 |
| Net interest margin | 3.5538% | 5,026 |
| Noninterest income to average assets | 0.5662% | 3,703 |
| Noninterest expense to average assets | 2.2700% | 6,433 |
| Loan and lease loss provision to assets | 0.0265% | 6,859 |
| Net operating income to assets | 1.2508% | 1,292 |
| Return on assets (ROA) | 1.4749% | 870 |
| Pretax return on assets | 1.9948% | 481 |
| Return on Equity (ROE) | 14.0510% | 871 |
| Retained earnings to average equity (ytd only) | 3.5663% | 3,365 |
| Net charge-offs to loans | -0.0933% | 7,496 |
| Credit loss provision to net charge-offs | -76.9231% | 7,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9154% | 6,470 |
| Assets per employee ($millions) | 5.0233% | 2,125 |
| Cash dividends to net income (ytd only)* | 74.6188% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4617% | 1,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 35.7058% | 7,168 |
| Net loans and leases to deposits | 40.6706% | 7,232 |
| Net loans and leases to core deposits | 43.9946% | 7,203 |
| Total domestic deposits to total assets | 87.7928% | 2,371 |
| Equity capital to assets | 10.3837% | 3,293 |
| Core capital (leverage) ratio | 9.3390% | 3,944 |
| Tier 1 risk-based capital ratio | 24.7742% | 863 |
| Total risk-based capital ratio | 26.0354% | 845 |
| Memoranda: | ||
| Average total assets | $75,595,800 | 5,728 |
| Average earning assets | $72,795,800 | 5,574 |
| Average equity | $7,935,400 | 5,736 |
| Average total loans | $27,866,200 | 6,504 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5916% | 6,350 |
| Cost of funding earning assets | 1.0535% | 5,683 |
| Net interest margin | 3.5380% | 5,149 |
| Noninterest income to average assets | 0.6344% | 3,224 |
| Noninterest expense to average assets | 2.1482% | 6,742 |
| Loan and lease loss provision to assets | 0.0353% | 6,730 |
| Net operating income to assets | 1.3979% | 1,106 |
| Return on assets (ROA) | 1.7006% | 676 |
| Pretax return on assets | 2.2575% | 371 |
| Return on Equity (ROE) | 16.1571% | 685 |
| Retained earnings to average equity (ytd only) | 4.1021% | 3,590 |
| Net charge-offs to loans | -0.1193% | 7,572 |
| Credit loss provision to net charge-offs | -80.0000% | 6,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2082% | 6,867 |
| Assets per employee ($millions) | 4.6893% | 2,611 |
| Cash dividends to net income (ytd only)* | 74.6120% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3160% | 1,605 |
| Loan loss allowance to noncurrent loans | 837.0370% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 7,088 |
| Noncurrent loans to loans | 0.2767% | 6,634 |
| Net loans and leases to total assets | 38.1138% | 7,180 |
| Net loans and leases to deposits | 44.1480% | 7,234 |
| Net loans and leases to core deposits | 47.8955% | 7,209 |
| Total domestic deposits to total assets | 86.3318% | 2,894 |
| Equity capital to assets | 11.1532% | 2,812 |
| Core capital (leverage) ratio | 9.6207% | 3,735 |
| Tier 1 risk-based capital ratio | 22.7758% | 1,100 |
| Total risk-based capital ratio | 24.0355% | 1,066 |
| Memoranda: | ||
| Average total assets | $75,657,500 | 5,785 |
| Average earning assets | $72,769,250 | 5,642 |
| Average equity | $7,963,250 | 5,801 |
| Average total loans | $27,937,000 | 6,596 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 6,641 |
| Cost of funding earning assets | 1.0921% | 5,717 |
| Net interest margin | 3.4367% | 5,490 |
| Noninterest income to average assets | 0.6907% | 2,760 |
| Noninterest expense to average assets | 2.1775% | 6,702 |
| Loan and lease loss provision to assets | 0.0527% | 6,434 |
| Net operating income to assets | 1.3752% | 1,139 |
| Return on assets (ROA) | 1.8137% | 512 |
| Pretax return on assets | 2.3647% | 297 |
| Return on Equity (ROE) | 17.5772% | 509 |
| Retained earnings to average equity (ytd only) | 4.4965% | 3,203 |
| Net charge-offs to loans | -0.1673% | 7,624 |
| Credit loss provision to net charge-offs | -86.9565% | 6,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0930% | 6,874 |
| Assets per employee ($millions) | 5.0715% | 2,093 |
| Cash dividends to net income (ytd only)* | 74.4186% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4351% | 1,389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 35.6044% | 7,367 |
| Net loans and leases to deposits | 40.8171% | 7,424 |
| Net loans and leases to core deposits | 44.0414% | 7,401 |
| Total domestic deposits to total assets | 87.2292% | 2,417 |
| Equity capital to assets | 10.5387% | 3,361 |
| Core capital (leverage) ratio | 9.3457% | 4,048 |
| Tier 1 risk-based capital ratio | 23.3640% | 1,019 |
| Total risk-based capital ratio | 24.6265% | 990 |
| Memoranda: | ||
| Average total assets | $75,867,330 | 5,806 |
| Average earning assets | $73,616,670 | 5,655 |
| Average equity | $7,828,330 | 5,863 |
| Average total loans | $27,491,330 | 6,661 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5090% | 6,774 |
| Cost of funding earning assets | 1.1368% | 5,723 |
| Net interest margin | 3.3722% | 5,698 |
| Noninterest income to average assets | 0.9556% | 1,430 |
| Noninterest expense to average assets | 2.1751% | 6,746 |
| Loan and lease loss provision to assets | 0.1056% | 5,569 |
| Net operating income to assets | 1.5046% | 885 |
| Return on assets (ROA) | 2.3705% | 203 |
| Pretax return on assets | 3.0727% | 132 |
| Return on Equity (ROE) | 23.2221% | 218 |
| Retained earnings to average equity (ytd only) | 7.1890% | 2,051 |
| Net charge-offs to loans | 0.5264% | 2,488 |
| Credit loss provision to net charge-offs | 55.5556% | 4,388 |
| Earnings coverage of net charge-offs (x) | 10.8056% | 1,711 |
| Efficiency ratio | 51.4357% | 7,196 |
| Assets per employee ($millions) | 5.1670% | 2,005 |
| Cash dividends to net income (ytd only)* | 69.0423% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2595% | 1,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 34.4365% | 7,479 |
| Net loans and leases to deposits | 39.3281% | 7,538 |
| Net loans and leases to core deposits | 42.1470% | 7,521 |
| Total domestic deposits to total assets | 87.5621% | 2,326 |
| Equity capital to assets | 10.0987% | 3,748 |
| Core capital (leverage) ratio | 9.4188% | 3,891 |
| Tier 1 risk-based capital ratio | 22.8222% | 1,102 |
| Total risk-based capital ratio | 24.0808% | 1,073 |
| Memoranda: | ||
| Average total assets | $75,765,000 | 5,884 |
| Average earning assets | $73,542,500 | 5,722 |
| Average equity | $7,734,000 | 5,935 |
| Average total loans | $27,356,500 | 6,752 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2203% | 5,553 |
| Cost of funding earning assets | 1.4095% | 5,892 |
| Net interest margin | 3.8108% | 3,656 |
| Noninterest income to average assets | 0.4976% | 4,432 |
| Noninterest expense to average assets | 2.3727% | 6,541 |
| Loan and lease loss provision to assets | 0.1737% | 5,960 |
| Net operating income to assets | 1.1569% | 1,367 |
| Return on assets (ROA) | 1.5220% | 685 |
| Pretax return on assets | 2.1559% | 310 |
| Return on Equity (ROE) | 14.8721% | 687 |
| Retained earnings to average equity (ytd only) | 3.8029% | 2,540 |
| Net charge-offs to loans | 0.3057% | 4,719 |
| Credit loss provision to net charge-offs | 143.6782% | 3,340 |
| Earnings coverage of net charge-offs (x) | 15.0115% | 1,334 |
| Efficiency ratio | 56.6545% | 6,939 |
| Assets per employee ($millions) | 4.9350% | 2,298 |
| Cash dividends to net income (ytd only)* | 74.4292% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3097% | 1,465 |
| Loan loss allowance to noncurrent loans | 944.7761% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 7,268 |
| Noncurrent loans to loans | 0.2445% | 6,817 |
| Net loans and leases to total assets | 36.1675% | 7,513 |
| Net loans and leases to deposits | 41.3898% | 7,585 |
| Net loans and leases to core deposits | 52.9236% | 7,505 |
| Total domestic deposits to total assets | 87.3826% | 2,276 |
| Equity capital to assets | 10.3222% | 3,381 |
| Core capital (leverage) ratio | 9.5359% | 3,674 |
| Tier 1 risk-based capital ratio | 23.3131% | 1,008 |
| Total risk-based capital ratio | 24.5745% | 986 |
| Memoranda: | ||
| Average total assets | $71,943,000 | 5,943 |
| Average earning assets | $69,670,200 | 5,822 |
| Average equity | $7,362,800 | 6,145 |
| Average total loans | $28,458,400 | 6,719 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3320% | 5,264 |
| Cost of funding earning assets | 1.4791% | 5,918 |
| Net interest margin | 3.8529% | 3,419 |
| Noninterest income to average assets | 0.4835% | 4,636 |
| Noninterest expense to average assets | 2.3727% | 6,500 |
| Loan and lease loss provision to assets | 0.1213% | 6,147 |
| Net operating income to assets | 1.1784% | 1,520 |
| Return on assets (ROA) | 1.5046% | 862 |
| Pretax return on assets | 2.1991% | 353 |
| Return on Equity (ROE) | 14.7347% | 805 |
| Retained earnings to average equity (ytd only) | 3.9305% | 3,083 |
| Net charge-offs to loans | 0.0186% | 6,650 |
| Credit loss provision to net charge-offs | 1,625.0000% | 237 |
| Earnings coverage of net charge-offs (x) | 246.6473% | 153 |
| Efficiency ratio | 56.3137% | 6,955 |
| Assets per employee ($millions) | 4.4071% | 3,019 |
| Cash dividends to net income (ytd only)* | 73.3250% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3275% | 1,266 |
| Loan loss allowance to noncurrent loans | 248.4848% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.3957% | 6,464 |
| Noncurrent loans to loans | 0.9367% | 5,422 |
| Net loans and leases to total assets | 39.0405% | 7,501 |
| Net loans and leases to deposits | 45.1369% | 7,593 |
| Net loans and leases to core deposits | 56.7164% | 7,524 |
| Total domestic deposits to total assets | 86.4935% | 2,428 |
| Equity capital to assets | 10.9326% | 3,078 |
| Core capital (leverage) ratio | 9.7293% | 3,603 |
| Tier 1 risk-based capital ratio | 22.3143% | 1,184 |
| Total risk-based capital ratio | 23.5749% | 1,167 |
| Memoranda: | ||
| Average total assets | $71,422,500 | 5,999 |
| Average earning assets | $69,140,250 | 5,876 |
| Average equity | $7,293,250 | 6,228 |
| Average total loans | $28,721,500 | 6,759 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3353% | 5,472 |
| Cost of funding earning assets | 1.5462% | 5,942 |
| Net interest margin | 3.7891% | 3,594 |
| Noninterest income to average assets | 0.4768% | 4,657 |
| Noninterest expense to average assets | 2.3227% | 6,697 |
| Loan and lease loss provision to assets | 0.0837% | 6,342 |
| Net operating income to assets | 1.2037% | 1,460 |
| Return on assets (ROA) | 1.6981% | 622 |
| Pretax return on assets | 2.4566% | 232 |
| Return on Equity (ROE) | 17.0238% | 577 |
| Retained earnings to average equity (ytd only) | 4.5006% | 2,790 |
| Net charge-offs to loans | 0.0208% | 6,218 |
| Credit loss provision to net charge-offs | 1,000.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 218.0000% | 191 |
| Efficiency ratio | 56.0188% | 7,121 |
| Assets per employee ($millions) | 4.1807% | 3,326 |
| Cash dividends to net income (ytd only)* | 73.5632% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1738% | 1,282 |
| Loan loss allowance to noncurrent loans | 1,072.4138% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 7,309 |
| Noncurrent loans to loans | 0.2027% | 7,006 |
| Net loans and leases to total assets | 39.3840% | 7,576 |
| Net loans and leases to deposits | 44.8610% | 7,677 |
| Net loans and leases to core deposits | 56.4505% | 7,576 |
| Total domestic deposits to total assets | 87.7913% | 1,876 |
| Equity capital to assets | 10.0039% | 3,934 |
| Core capital (leverage) ratio | 9.5445% | 3,817 |
| Tier 1 risk-based capital ratio | 21.7413% | 1,291 |
| Total risk-based capital ratio | 23.0014% | 1,264 |
| Memoranda: | ||
| Average total assets | $71,725,330 | 6,036 |
| Average earning assets | $69,461,670 | 5,904 |
| Average equity | $7,154,670 | 6,321 |
| Average total loans | $28,900,330 | 6,795 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3497% | 5,659 |
| Cost of funding earning assets | 1.6403% | 5,858 |
| Net interest margin | 3.7093% | 3,853 |
| Noninterest income to average assets | 0.5052% | 4,282 |
| Noninterest expense to average assets | 2.2040% | 6,858 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3601% | 1,237 |
| Return on assets (ROA) | 2.2595% | 245 |
| Pretax return on assets | 3.1533% | 109 |
| Return on Equity (ROE) | 22.6836% | 275 |
| Retained earnings to average equity (ytd only) | 6.0750% | 2,590 |
| Net charge-offs to loans | 0.1653% | 3,643 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 28.5833% | 1,100 |
| Efficiency ratio | 53.6486% | 7,257 |
| Assets per employee ($millions) | 4.1684% | 3,324 |
| Cash dividends to net income (ytd only)* | 73.2187% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0280% | 1,359 |
| Loan loss allowance to noncurrent loans | 925.3968% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 7,242 |
| Noncurrent loans to loans | 0.2192% | 6,904 |
| Net loans and leases to total assets | 39.7449% | 7,582 |
| Net loans and leases to deposits | 45.7119% | 7,675 |
| Net loans and leases to core deposits | 57.2079% | 7,557 |
| Total domestic deposits to total assets | 86.9465% | 2,243 |
| Equity capital to assets | 10.3088% | 3,645 |
| Core capital (leverage) ratio | 9.3358% | 4,194 |
| Tier 1 risk-based capital ratio | 16.0597% | 2,673 |
| Total risk-based capital ratio | 17.3114% | 2,609 |
| Memoranda: | ||
| Average total assets | $72,052,000 | 6,063 |
| Average earning assets | $69,985,500 | 5,914 |
| Average equity | $7,177,000 | 6,343 |
| Average total loans | $29,044,000 | 6,818 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8071% | 6,401 |
| Cost of funding earning assets | 2.3322% | 5,001 |
| Net interest margin | 3.4749% | 5,381 |
| Noninterest income to average assets | 0.5912% | 3,903 |
| Noninterest expense to average assets | 2.1949% | 6,979 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9860% | 2,606 |
| Return on assets (ROA) | 0.5289% | 4,476 |
| Pretax return on assets | 0.9504% | 3,554 |
| Return on Equity (ROE) | 5.5010% | 4,160 |
| Retained earnings to average equity (ytd only) | -1.9562% | 5,856 |
| Net charge-offs to loans | -0.1261% | 8,118 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8706% | 6,888 |
| Assets per employee ($millions) | 4.3084% | 2,942 |
| Cash dividends to net income (ytd only)* | 135.5615% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0279% | 1,171 |
| Loan loss allowance to noncurrent loans | 1,608.1081% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 7,265 |
| Noncurrent loans to loans | 0.1261% | 7,035 |
| Net loans and leases to total assets | 39.2480% | 7,706 |
| Net loans and leases to deposits | 44.5074% | 7,834 |
| Net loans and leases to core deposits | 56.8372% | 7,715 |
| Total domestic deposits to total assets | 88.1830% | 1,396 |
| Equity capital to assets | 9.6243% | 4,517 |
| Core capital (leverage) ratio | 9.3486% | 4,234 |
| Tier 1 risk-based capital ratio | 15.0914% | 2,995 |
| Total risk-based capital ratio | 16.3426% | 2,922 |
| Memoranda: | ||
| Average total assets | $70,709,600 | 6,010 |
| Average earning assets | $66,505,000 | 5,952 |
| Average equity | $6,798,800 | 6,523 |
| Average total loans | $30,129,600 | 6,700 |