Home > Readlyn Savings Bank > Performance and Condition Ratios
Readlyn Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2468% | 2,623 |
| Cost of funding earning assets | 1.9577% | 2,049 |
| Net interest margin | 3.2890% | 2,797 |
| Noninterest income to average assets | 0.0800% | 4,206 |
| Noninterest expense to average assets | 1.3924% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.7839% | 652 |
| Return on assets (ROA) | 1.7839% | 650 |
| Pretax return on assets | 1.8621% | 863 |
| Return on Equity (ROE) | 10.3000% | 2,233 |
| Retained earnings to average equity (ytd only) | 0.6133% | 3,568 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 42.7835% | 4,213 |
| Assets per employee ($millions) | 9.6428% | 885 |
| Cash dividends to net income (ytd only)* | 94.0439% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 1,888 |
| Loan loss allowance to noncurrent loans | 1,283.8095% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 3,175 |
| Noncurrent loans to loans | 0.0980% | 3,174 |
| Net loans and leases to total assets | 73.1200% | 1,440 |
| Net loans and leases to deposits | 96.8855% | 565 |
| Net loans and leases to core deposits | 116.2120% | 655 |
| Total domestic deposits to total assets | 75.4700% | 4,013 |
| Equity capital to assets | 17.1810% | 387 |
| Core capital (leverage) ratio | 19.7206% | 261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7965% | 340 |
| Memoranda: | ||
| Average total assets | $143,060,500 | 3,414 |
| Average earning assets | $137,913,500 | 3,356 |
| Average equity | $24,784,500 | 2,703 |
| Average total loans | $106,171,000 | 3,162 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3055% | 2,518 |
| Cost of funding earning assets | 2.0225% | 2,168 |
| Net interest margin | 3.2830% | 2,545 |
| Noninterest income to average assets | 0.0900% | 4,243 |
| Noninterest expense to average assets | 1.4526% | 4,289 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 1.6942% | 665 |
| Return on assets (ROA) | 1.6949% | 660 |
| Pretax return on assets | 1.7731% | 865 |
| Return on Equity (ROE) | 9.7700% | 2,213 |
| Retained earnings to average equity (ytd only) | 6.0483% | 1,809 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 44.9723% | 4,201 |
| Assets per employee ($millions) | 9.4319% | 915 |
| Cash dividends to net income (ytd only)* | 38.0711% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 1,760 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 73.4200% | 1,489 |
| Net loans and leases to deposits | 98.4486% | 562 |
| Net loans and leases to core deposits | 112.7503% | 823 |
| Total domestic deposits to total assets | 74.5800% | 4,027 |
| Equity capital to assets | 17.4711% | 367 |
| Core capital (leverage) ratio | 19.9856% | 251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3405% | 326 |
| Memoranda: | ||
| Average total assets | $139,477,000 | 3,452 |
| Average earning assets | $133,597,200 | 3,402 |
| Average equity | $24,205,000 | 2,681 |
| Average total loans | $105,868,000 | 3,156 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2985% | 2,461 |
| Cost of funding earning assets | 2.0096% | 2,191 |
| Net interest margin | 3.2889% | 2,474 |
| Noninterest income to average assets | 0.0900% | 4,255 |
| Noninterest expense to average assets | 1.4343% | 4,305 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 1.7039% | 689 |
| Return on assets (ROA) | 1.7048% | 687 |
| Pretax return on assets | 1.7988% | 873 |
| Return on Equity (ROE) | 9.8400% | 2,239 |
| Retained earnings to average equity (ytd only) | 6.5179% | 1,900 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 44.2832% | 4,221 |
| Assets per employee ($millions) | 9.1579% | 1,023 |
| Cash dividends to net income (ytd only)* | 33.7648% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 1,796 |
| Loan loss allowance to noncurrent loans | 134,800.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 3,845 |
| Noncurrent loans to loans | 0.0010% | 3,813 |
| Net loans and leases to total assets | 75.5500% | 1,188 |
| Net loans and leases to deposits | 102.6182% | 376 |
| Net loans and leases to core deposits | 117.9061% | 676 |
| Total domestic deposits to total assets | 73.6300% | 4,077 |
| Equity capital to assets | 18.2189% | 334 |
| Core capital (leverage) ratio | 20.2893% | 249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3747% | 333 |
| Memoranda: | ||
| Average total assets | $138,976,500 | 3,459 |
| Average earning assets | $133,090,250 | 3,414 |
| Average equity | $24,076,750 | 2,684 |
| Average total loans | $106,028,500 | 3,157 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2556% | 2,438 |
| Cost of funding earning assets | 1.9731% | 2,188 |
| Net interest margin | 3.2825% | 2,452 |
| Noninterest income to average assets | 0.0900% | 4,266 |
| Noninterest expense to average assets | 1.4293% | 4,319 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 1.7046% | 677 |
| Return on assets (ROA) | 1.7059% | 677 |
| Pretax return on assets | 1.7991% | 848 |
| Return on Equity (ROE) | 10.0200% | 2,179 |
| Retained earnings to average equity (ytd only) | 7.4916% | 1,507 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 44.1541% | 4,244 |
| Assets per employee ($millions) | 8.6352% | 1,138 |
| Cash dividends to net income (ytd only)* | 25.2101% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 1,858 |
| Loan loss allowance to noncurrent loans | 744.7514% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 2,779 |
| Noncurrent loans to loans | 0.1711% | 2,823 |
| Net loans and leases to total assets | 75.6100% | 1,221 |
| Net loans and leases to deposits | 101.9558% | 457 |
| Net loans and leases to core deposits | 117.6943% | 698 |
| Total domestic deposits to total assets | 74.1600% | 4,055 |
| Equity capital to assets | 17.3961% | 370 |
| Core capital (leverage) ratio | 19.8792% | 264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5595% | 355 |
| Memoranda: | ||
| Average total assets | $139,512,667 | 3,467 |
| Average earning assets | $133,801,000 | 3,413 |
| Average equity | $23,760,000 | 2,662 |
| Average total loans | $106,326,000 | 3,147 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1832% | 2,435 |
| Cost of funding earning assets | 1.9188% | 2,206 |
| Net interest margin | 3.2644% | 2,417 |
| Noninterest income to average assets | 0.0800% | 4,292 |
| Noninterest expense to average assets | 1.3953% | 4,362 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 1.7120% | 651 |
| Return on assets (ROA) | 1.7120% | 658 |
| Pretax return on assets | 1.8033% | 836 |
| Return on Equity (ROE) | 10.1600% | 2,087 |
| Retained earnings to average equity (ytd only) | 10.1598% | 1,072 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 43.3511% | 4,259 |
| Assets per employee ($millions) | 9.3464% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 1,966 |
| Loan loss allowance to noncurrent loans | 134,800.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 3,878 |
| Noncurrent loans to loans | 0.0009% | 3,825 |
| Net loans and leases to total assets | 75.4900% | 1,139 |
| Net loans and leases to deposits | 106.6575% | 263 |
| Net loans and leases to core deposits | 119.4436% | 641 |
| Total domestic deposits to total assets | 70.7800% | 4,263 |
| Equity capital to assets | 16.9834% | 392 |
| Core capital (leverage) ratio | 19.5506% | 278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7583% | 395 |
| Memoranda: | ||
| Average total assets | $140,187,500 | 3,471 |
| Average earning assets | $134,666,000 | 3,418 |
| Average equity | $23,622,500 | 2,677 |
| Average total loans | $106,580,500 | 3,148 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8911% | 2,297 |
| Cost of funding earning assets | 1.4792% | 1,992 |
| Net interest margin | 3.4119% | 2,381 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.4428% | 4,363 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.7618% | 646 |
| Return on assets (ROA) | 1.7618% | 621 |
| Pretax return on assets | 1.8507% | 823 |
| Return on Equity (ROE) | 10.8000% | 2,277 |
| Retained earnings to average equity (ytd only) | 6.7423% | 1,972 |
| Net charge-offs to loans | 0.0222% | 1,887 |
| Credit loss provision to net charge-offs | 400.0000% | 783 |
| Earnings coverage of net charge-offs (x) | 118.4545% | 826 |
| Efficiency ratio | 42.9634% | 4,288 |
| Assets per employee ($millions) | 10.7830% | 568 |
| Cash dividends to net income (ytd only)* | 37.5469% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 1,946 |
| Loan loss allowance to noncurrent loans | 44,700.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 3,831 |
| Noncurrent loans to loans | 0.0028% | 3,777 |
| Net loans and leases to total assets | 74.6500% | 1,280 |
| Net loans and leases to deposits | 107.6821% | 247 |
| Net loans and leases to core deposits | 116.2333% | 737 |
| Total domestic deposits to total assets | 69.3200% | 4,313 |
| Equity capital to assets | 16.7179% | 404 |
| Core capital (leverage) ratio | 19.5522% | 278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3117% | 404 |
| Memoranda: | ||
| Average total assets | $136,053,600 | 3,492 |
| Average earning assets | $129,460,200 | 3,451 |
| Average equity | $22,203,200 | 2,673 |
| Average total loans | $99,282,400 | 3,182 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8337% | 2,196 |
| Cost of funding earning assets | 1.3797% | 1,917 |
| Net interest margin | 3.4540% | 2,325 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 1.4575% | 4,343 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.7903% | 684 |
| Return on assets (ROA) | 1.7903% | 674 |
| Pretax return on assets | 1.8791% | 892 |
| Return on Equity (ROE) | 11.0400% | 2,364 |
| Retained earnings to average equity (ytd only) | 9.2133% | 1,632 |
| Net charge-offs to loans | 0.0301% | 1,478 |
| Credit loss provision to net charge-offs | 227.2727% | 1,041 |
| Earnings coverage of net charge-offs (x) | 88.7727% | 984 |
| Efficiency ratio | 43.0446% | 4,267 |
| Assets per employee ($millions) | 10.4258% | 591 |
| Cash dividends to net income (ytd only)* | 16.5472% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 1,892 |
| Loan loss allowance to noncurrent loans | 2,136.0656% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 3,356 |
| Noncurrent loans to loans | 0.0605% | 3,320 |
| Net loans and leases to total assets | 73.3900% | 1,420 |
| Net loans and leases to deposits | 103.3949% | 374 |
| Net loans and leases to core deposits | 111.5575% | 816 |
| Total domestic deposits to total assets | 70.9800% | 4,292 |
| Equity capital to assets | 16.1361% | 437 |
| Core capital (leverage) ratio | 19.8686% | 280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0574% | 381 |
| Memoranda: | ||
| Average total assets | $135,022,250 | 3,507 |
| Average earning assets | $128,236,250 | 3,468 |
| Average equity | $21,895,250 | 2,688 |
| Average total loans | $97,608,000 | 3,206 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7409% | 2,130 |
| Cost of funding earning assets | 1.2633% | 1,816 |
| Net interest margin | 3.4776% | 2,321 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 1.4312% | 4,387 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.8806% | 580 |
| Return on assets (ROA) | 1.8806% | 573 |
| Pretax return on assets | 1.9696% | 782 |
| Return on Equity (ROE) | 11.5800% | 2,279 |
| Retained earnings to average equity (ytd only) | 8.8387% | 1,724 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 41.9019% | 4,342 |
| Assets per employee ($millions) | 11.3539% | 458 |
| Cash dividends to net income (ytd only)* | 23.6593% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 1,899 |
| Loan loss allowance to noncurrent loans | 4,015.6250% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 3,568 |
| Noncurrent loans to loans | 0.0326% | 3,507 |
| Net loans and leases to total assets | 71.1700% | 1,620 |
| Net loans and leases to deposits | 97.1058% | 664 |
| Net loans and leases to core deposits | 104.2018% | 1,045 |
| Total domestic deposits to total assets | 73.2900% | 4,237 |
| Equity capital to assets | 16.3431% | 415 |
| Core capital (leverage) ratio | 19.5158% | 283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0110% | 389 |
| Memoranda: | ||
| Average total assets | $134,851,333 | 3,522 |
| Average earning assets | $128,076,667 | 3,485 |
| Average equity | $21,903,667 | 2,706 |
| Average total loans | $96,553,667 | 3,213 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6716% | 1,922 |
| Cost of funding earning assets | 1.1498% | 1,596 |
| Net interest margin | 3.5218% | 2,307 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.4044% | 4,468 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9500% | 534 |
| Return on assets (ROA) | 1.9500% | 524 |
| Pretax return on assets | 2.0395% | 721 |
| Return on Equity (ROE) | 12.0400% | 2,206 |
| Retained earnings to average equity (ytd only) | 12.0431% | 1,261 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 40.7792% | 4,427 |
| Assets per employee ($millions) | 11.2703% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 2,027 |
| Loan loss allowance to noncurrent loans | 3,541.6667% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 3,520 |
| Noncurrent loans to loans | 0.0368% | 3,485 |
| Net loans and leases to total assets | 71.4400% | 1,484 |
| Net loans and leases to deposits | 96.9119% | 608 |
| Net loans and leases to core deposits | 103.9795% | 925 |
| Total domestic deposits to total assets | 73.7200% | 4,297 |
| Equity capital to assets | 16.4828% | 371 |
| Core capital (leverage) ratio | 19.3631% | 292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8801% | 395 |
| Memoranda: | ||
| Average total assets | $134,153,500 | 3,576 |
| Average earning assets | $127,323,000 | 3,535 |
| Average equity | $21,722,000 | 2,746 |
| Average total loans | $95,705,500 | 3,262 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9636% | 1,817 |
| Cost of funding earning assets | 0.6894% | 609 |
| Net interest margin | 3.2742% | 2,635 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 1.4519% | 4,470 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.5872% | 711 |
| Return on assets (ROA) | 1.5872% | 679 |
| Pretax return on assets | 1.6688% | 1,000 |
| Return on Equity (ROE) | 10.1900% | 2,752 |
| Retained earnings to average equity (ytd only) | 4.6722% | 3,187 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 45.0466% | 4,391 |
| Assets per employee ($millions) | 11.0886% | 491 |
| Cash dividends to net income (ytd only)* | 54.1272% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 1,636 |
| Loan loss allowance to noncurrent loans | 3,035.7143% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 3,493 |
| Noncurrent loans to loans | 0.0449% | 3,432 |
| Net loans and leases to total assets | 69.3200% | 1,698 |
| Net loans and leases to deposits | 90.5446% | 1,010 |
| Net loans and leases to core deposits | 96.0822% | 1,202 |
| Total domestic deposits to total assets | 76.5600% | 4,216 |
| Equity capital to assets | 15.8962% | 393 |
| Core capital (leverage) ratio | 18.6814% | 302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8572% | 378 |
| Memoranda: | ||
| Average total assets | $139,682,400 | 3,533 |
| Average earning assets | $133,741,400 | 3,488 |
| Average equity | $21,767,000 | 2,788 |
| Average total loans | $88,795,600 | 3,304 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7650% | 1,850 |
| Cost of funding earning assets | 0.6355% | 361 |
| Net interest margin | 3.1295% | 2,831 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.3726% | 4,531 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.5669% | 712 |
| Return on assets (ROA) | 1.5669% | 691 |
| Pretax return on assets | 1.6518% | 998 |
| Return on Equity (ROE) | 10.1000% | 2,688 |
| Retained earnings to average equity (ytd only) | 4.6287% | 3,230 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 44.3462% | 4,454 |
| Assets per employee ($millions) | 11.5241% | 442 |
| Cash dividends to net income (ytd only)* | 54.1842% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 1,953 |
| Loan loss allowance to noncurrent loans | 5,247.8261% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 3,793 |
| Noncurrent loans to loans | 0.0251% | 3,722 |
| Net loans and leases to total assets | 65.3700% | 1,946 |
| Net loans and leases to deposits | 83.6340% | 1,329 |
| Net loans and leases to core deposits | 89.3832% | 1,337 |
| Total domestic deposits to total assets | 78.1600% | 4,245 |
| Equity capital to assets | 14.4979% | 504 |
| Core capital (leverage) ratio | 17.5026% | 344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6539% | 400 |
| Memoranda: | ||
| Average total assets | $141,337,250 | 3,547 |
| Average earning assets | $135,737,250 | 3,490 |
| Average equity | $21,920,750 | 2,828 |
| Average total loans | $87,616,750 | 3,327 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5757% | 1,914 |
| Cost of funding earning assets | 0.6059% | 258 |
| Net interest margin | 2.9698% | 2,975 |
| Noninterest income to average assets | 0.0899% | 4,527 |
| Noninterest expense to average assets | 1.3965% | 4,533 |
| Loan and lease loss provision to assets | 0.0562% | 1,577 |
| Net operating income to assets | 1.4106% | 883 |
| Return on assets (ROA) | 1.4106% | 857 |
| Pretax return on assets | 1.4949% | 1,180 |
| Return on Equity (ROE) | 8.9068% | 2,724 |
| Retained earnings to average equity (ytd only) | 3.5840% | 3,240 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3785% | 4,381 |
| Assets per employee ($millions) | 11.9569% | 384 |
| Cash dividends to net income (ytd only)* | 59.7610% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 1,960 |
| Loan loss allowance to noncurrent loans | 4,507.6923% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 3,831 |
| Noncurrent loans to loans | 0.0299% | 3,731 |
| Net loans and leases to total assets | 59.7374% | 2,354 |
| Net loans and leases to deposits | 76.2782% | 1,669 |
| Net loans and leases to core deposits | 80.9140% | 1,666 |
| Total domestic deposits to total assets | 78.3152% | 4,336 |
| Equity capital to assets | 14.6094% | 454 |
| Core capital (leverage) ratio | 17.2485% | 310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3172% | 350 |
| Memoranda: | ||
| Average total assets | $142,353,333 | 3,580 |
| Average earning assets | $136,979,333 | 3,524 |
| Average equity | $22,544,667 | 2,850 |
| Average total loans | $86,288,333 | 3,374 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4819% | 1,864 |
| Cost of funding earning assets | 0.6082% | 248 |
| Net interest margin | 2.8737% | 2,915 |
| Noninterest income to average assets | 0.0875% | 4,549 |
| Noninterest expense to average assets | 1.3400% | 4,594 |
| Loan and lease loss provision to assets | 0.0282% | 1,858 |
| Net operating income to assets | 1.3936% | 812 |
| Return on assets (ROA) | 1.3936% | 807 |
| Pretax return on assets | 1.4783% | 1,057 |
| Return on Equity (ROE) | 8.4676% | 2,529 |
| Retained earnings to average equity (ytd only) | 8.4676% | 1,438 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0763% | 4,450 |
| Assets per employee ($millions) | 11.8248% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3112% | 2,298 |
| Loan loss allowance to noncurrent loans | 3,806.6667% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 3,833 |
| Noncurrent loans to loans | 0.0344% | 3,737 |
| Net loans and leases to total assets | 60.5738% | 2,002 |
| Net loans and leases to deposits | 78.5949% | 1,241 |
| Net loans and leases to core deposits | 84.1200% | 1,236 |
| Total domestic deposits to total assets | 77.0709% | 4,457 |
| Equity capital to assets | 15.7233% | 339 |
| Core capital (leverage) ratio | 17.2786% | 278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3591% | 365 |
| Memoranda: | ||
| Average total assets | $141,788,500 | 3,600 |
| Average earning assets | $136,133,000 | 3,548 |
| Average equity | $23,336,000 | 2,882 |
| Average total loans | $85,990,000 | 3,387 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8968% | 1,625 |
| Cost of funding earning assets | 0.7171% | 299 |
| Net interest margin | 3.1796% | 2,656 |
| Noninterest income to average assets | 0.0644% | 4,693 |
| Noninterest expense to average assets | 1.4460% | 4,592 |
| Loan and lease loss provision to assets | 0.0501% | 2,059 |
| Net operating income to assets | 1.5412% | 932 |
| Return on assets (ROA) | 1.5412% | 974 |
| Pretax return on assets | 1.6186% | 1,376 |
| Return on Equity (ROE) | 8.9135% | 2,946 |
| Retained earnings to average equity (ytd only) | 3.9455% | 3,240 |
| Net charge-offs to loans | 0.0303% | 1,634 |
| Credit loss provision to net charge-offs | 280.0000% | 1,105 |
| Earnings coverage of net charge-offs (x) | 93.2400% | 907 |
| Efficiency ratio | 46.4261% | 4,476 |
| Assets per employee ($millions) | 11.8066% | 421 |
| Cash dividends to net income (ytd only)* | 55.7362% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 2,219 |
| Loan loss allowance to noncurrent loans | 3,329.4118% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 3,886 |
| Noncurrent loans to loans | 0.0401% | 3,784 |
| Net loans and leases to total assets | 59.1146% | 2,258 |
| Net loans and leases to deposits | 78.5020% | 1,354 |
| Net loans and leases to core deposits | 84.1324% | 1,321 |
| Total domestic deposits to total assets | 75.3033% | 4,537 |
| Equity capital to assets | 17.1945% | 291 |
| Core capital (leverage) ratio | 17.0646% | 287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6664% | 361 |
| Memoranda: | ||
| Average total assets | $139,692,400 | 3,584 |
| Average earning assets | $134,008,600 | 3,533 |
| Average equity | $24,154,400 | 2,904 |
| Average total loans | $82,626,600 | 3,429 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1407% | 1,216 |
| Cost of funding earning assets | 0.9179% | 130 |
| Net interest margin | 3.2228% | 2,661 |
| Noninterest income to average assets | 0.0338% | 4,828 |
| Noninterest expense to average assets | 1.4013% | 4,689 |
| Loan and lease loss provision to assets | 0.1123% | 1,074 |
| Net operating income to assets | 1.5237% | 1,216 |
| Return on assets (ROA) | 1.5237% | 1,260 |
| Pretax return on assets | 1.6188% | 1,644 |
| Return on Equity (ROE) | 9.6410% | 2,866 |
| Retained earnings to average equity (ytd only) | 5.0549% | 3,198 |
| Net charge-offs to loans | 0.0620% | 1,017 |
| Credit loss provision to net charge-offs | 280.0000% | 1,038 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,320 |
| Efficiency ratio | 44.7301% | 4,554 |
| Assets per employee ($millions) | 10.2603% | 595 |
| Cash dividends to net income (ytd only)* | 47.5687% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 1,603 |
| Loan loss allowance to noncurrent loans | 2,084.2105% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 3,353 |
| Noncurrent loans to loans | 0.0723% | 3,728 |
| Net loans and leases to total assets | 63.0772% | 1,881 |
| Net loans and leases to deposits | 89.1243% | 651 |
| Net loans and leases to core deposits | 93.3589% | 855 |
| Total domestic deposits to total assets | 70.7743% | 4,716 |
| Equity capital to assets | 16.1156% | 404 |
| Core capital (leverage) ratio | 15.7919% | 406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4689% | 459 |
| Memoranda: | ||
| Average total assets | $82,777,500 | 4,228 |
| Average earning assets | $79,597,500 | 4,189 |
| Average equity | $13,082,750 | 3,875 |
| Average total loans | $53,746,250 | 3,985 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3934% | 859 |
| Cost of funding earning assets | 0.9398% | 151 |
| Net interest margin | 3.4536% | 1,994 |
| Noninterest income to average assets | 0.0651% | 4,803 |
| Noninterest expense to average assets | 1.3757% | 4,740 |
| Loan and lease loss provision to assets | 0.1446% | 836 |
| Net operating income to assets | 1.7709% | 764 |
| Return on assets (ROA) | 1.7709% | 802 |
| Pretax return on assets | 1.8649% | 1,087 |
| Return on Equity (ROE) | 11.2779% | 2,309 |
| Retained earnings to average equity (ytd only) | 6.6747% | 2,553 |
| Net charge-offs to loans | 0.0480% | 1,146 |
| Credit loss provision to net charge-offs | 461.5385% | 709 |
| Earnings coverage of net charge-offs (x) | 64.1538% | 943 |
| Efficiency ratio | 40.6406% | 4,732 |
| Assets per employee ($millions) | 8.2497% | 1,102 |
| Cash dividends to net income (ytd only)* | 40.8163% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5349% | 1,475 |
| Loan loss allowance to noncurrent loans | 749.0566% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 3,047 |
| Noncurrent loans to loans | 0.2049% | 3,223 |
| Net loans and leases to total assets | 61.7429% | 2,204 |
| Net loans and leases to deposits | 87.0388% | 845 |
| Net loans and leases to core deposits | 90.3121% | 1,120 |
| Total domestic deposits to total assets | 70.9371% | 4,735 |
| Equity capital to assets | 16.0212% | 412 |
| Core capital (leverage) ratio | 15.5576% | 417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6918% | 446 |
| Memoranda: | ||
| Average total assets | $83,009,333 | 4,252 |
| Average earning assets | $79,801,000 | 4,212 |
| Average equity | $13,034,333 | 3,892 |
| Average total loans | $54,139,333 | 4,004 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 727 |
| Cost of funding earning assets | 0.9480% | 178 |
| Net interest margin | 3.6014% | 1,581 |
| Noninterest income to average assets | 0.0528% | 4,844 |
| Noninterest expense to average assets | 1.3499% | 4,783 |
| Loan and lease loss provision to assets | 0.1441% | 921 |
| Net operating income to assets | 1.9120% | 654 |
| Return on assets (ROA) | 1.9120% | 702 |
| Pretax return on assets | 2.0080% | 933 |
| Return on Equity (ROE) | 12.3001% | 1,903 |
| Retained earnings to average equity (ytd only) | 7.6644% | 2,359 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5460% | 4,796 |
| Assets per employee ($millions) | 8.3842% | 1,043 |
| Cash dividends to net income (ytd only)* | 37.6884% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4114% | 1,910 |
| Loan loss allowance to noncurrent loans | 636.8852% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 3,167 |
| Noncurrent loans to loans | 0.2216% | 3,304 |
| Net loans and leases to total assets | 64.7349% | 1,950 |
| Net loans and leases to deposits | 90.3996% | 684 |
| Net loans and leases to core deposits | 94.1849% | 970 |
| Total domestic deposits to total assets | 71.6097% | 4,727 |
| Equity capital to assets | 15.5018% | 439 |
| Core capital (leverage) ratio | 15.6167% | 410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1088% | 506 |
| Memoranda: | ||
| Average total assets | $83,265,500 | 4,262 |
| Average earning assets | $79,747,500 | 4,225 |
| Average equity | $12,943,000 | 3,908 |
| Average total loans | $55,344,000 | 4,003 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2672% | 1,963 |
| Cost of funding earning assets | 1.1991% | 278 |
| Net interest margin | 3.0681% | 3,702 |
| Noninterest income to average assets | 0.0782% | 4,802 |
| Noninterest expense to average assets | 1.3593% | 4,856 |
| Loan and lease loss provision to assets | 0.1303% | 2,732 |
| Net operating income to assets | 1.4623% | 896 |
| Return on assets (ROA) | 1.4635% | 971 |
| Pretax return on assets | 1.5405% | 1,220 |
| Return on Equity (ROE) | 9.3722% | 2,253 |
| Retained earnings to average equity (ytd only) | 4.6026% | 2,481 |
| Net charge-offs to loans | -0.0018% | 3,976 |
| Credit loss provision to net charge-offs | -10,500.0000% | 4,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8770% | 4,761 |
| Assets per employee ($millions) | 8.2689% | 945 |
| Cash dividends to net income (ytd only)* | 50.8906% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 2,222 |
| Loan loss allowance to noncurrent loans | 475.7962% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 3,336 |
| Noncurrent loans to loans | 0.2822% | 3,190 |
| Net loans and leases to total assets | 66.3801% | 2,037 |
| Net loans and leases to deposits | 93.0180% | 717 |
| Net loans and leases to core deposits | 98.7194% | 974 |
| Total domestic deposits to total assets | 71.3626% | 4,741 |
| Equity capital to assets | 15.5873% | 476 |
| Core capital (leverage) ratio | 15.6241% | 431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7970% | 519 |
| Memoranda: | ||
| Average total assets | $80,559,000 | 4,235 |
| Average earning assets | $77,473,800 | 4,195 |
| Average equity | $12,579,800 | 3,908 |
| Average total loans | $55,974,600 | 3,982 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3719% | 1,920 |
| Cost of funding earning assets | 1.2580% | 297 |
| Net interest margin | 3.1139% | 3,709 |
| Noninterest income to average assets | 0.0833% | 4,813 |
| Noninterest expense to average assets | 1.3578% | 4,884 |
| Loan and lease loss provision to assets | 0.1250% | 2,774 |
| Net operating income to assets | 1.5046% | 898 |
| Return on assets (ROA) | 1.5061% | 976 |
| Pretax return on assets | 1.6044% | 1,173 |
| Return on Equity (ROE) | 9.6405% | 2,156 |
| Retained earnings to average equity (ytd only) | 4.8416% | 2,635 |
| Net charge-offs to loans | -0.0024% | 3,908 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0065% | 4,786 |
| Assets per employee ($millions) | 8.1651% | 944 |
| Cash dividends to net income (ytd only)* | 49.7788% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 2,283 |
| Loan loss allowance to noncurrent loans | 414.4509% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 3,384 |
| Noncurrent loans to loans | 0.3069% | 3,180 |
| Net loans and leases to total assets | 68.1621% | 2,220 |
| Net loans and leases to deposits | 95.8742% | 767 |
| Net loans and leases to core deposits | 101.8502% | 1,036 |
| Total domestic deposits to total assets | 71.0953% | 4,713 |
| Equity capital to assets | 15.6361% | 519 |
| Core capital (leverage) ratio | 15.3368% | 485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3750% | 552 |
| Memoranda: | ||
| Average total assets | $80,026,500 | 4,249 |
| Average earning assets | $77,158,250 | 4,205 |
| Average equity | $12,502,500 | 3,920 |
| Average total loans | $56,059,250 | 4,001 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5499% | 1,780 |
| Cost of funding earning assets | 1.3212% | 329 |
| Net interest margin | 3.2287% | 3,581 |
| Noninterest income to average assets | 0.0956% | 4,796 |
| Noninterest expense to average assets | 1.3663% | 4,917 |
| Loan and lease loss provision to assets | 0.1132% | 2,883 |
| Net operating income to assets | 1.6357% | 701 |
| Return on assets (ROA) | 1.6380% | 762 |
| Pretax return on assets | 1.7362% | 918 |
| Return on Equity (ROE) | 10.4879% | 1,814 |
| Retained earnings to average equity (ytd only) | 5.6548% | 2,210 |
| Net charge-offs to loans | -0.0036% | 3,918 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5215% | 4,849 |
| Assets per employee ($millions) | 8.2654% | 882 |
| Cash dividends to net income (ytd only)* | 46.0829% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 2,423 |
| Loan loss allowance to noncurrent loans | 789.6552% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 4,007 |
| Noncurrent loans to loans | 0.1543% | 3,839 |
| Net loans and leases to total assets | 67.3978% | 2,440 |
| Net loans and leases to deposits | 94.3004% | 930 |
| Net loans and leases to core deposits | 106.7695% | 859 |
| Total domestic deposits to total assets | 71.4714% | 4,736 |
| Equity capital to assets | 15.3350% | 563 |
| Core capital (leverage) ratio | 15.2690% | 533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8949% | 591 |
| Memoranda: | ||
| Average total assets | $79,485,000 | 4,264 |
| Average earning assets | $76,749,667 | 4,214 |
| Average equity | $12,414,333 | 3,933 |
| Average total loans | $55,955,000 | 4,019 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5461% | 2,168 |
| Cost of funding earning assets | 1.3914% | 410 |
| Net interest margin | 3.1546% | 3,968 |
| Noninterest income to average assets | 0.1232% | 4,743 |
| Noninterest expense to average assets | 1.3453% | 4,990 |
| Loan and lease loss provision to assets | 0.0770% | 2,761 |
| Net operating income to assets | 1.6486% | 562 |
| Return on assets (ROA) | 1.6534% | 615 |
| Pretax return on assets | 1.7561% | 760 |
| Return on Equity (ROE) | 10.4852% | 1,584 |
| Retained earnings to average equity (ytd only) | 5.6008% | 2,030 |
| Net charge-offs to loans | -0.0072% | 3,964 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3948% | 4,931 |
| Assets per employee ($millions) | 7.8300% | 792 |
| Cash dividends to net income (ytd only)* | 46.5839% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 2,852 |
| Loan loss allowance to noncurrent loans | 1,684.6154% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 4,346 |
| Noncurrent loans to loans | 0.0692% | 4,252 |
| Net loans and leases to total assets | 71.1635% | 2,058 |
| Net loans and leases to deposits | 100.5268% | 520 |
| Net loans and leases to core deposits | 121.0484% | 439 |
| Total domestic deposits to total assets | 70.7905% | 4,824 |
| Equity capital to assets | 15.7229% | 629 |
| Core capital (leverage) ratio | 15.6040% | 577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8564% | 655 |
| Memoranda: | ||
| Average total assets | $77,900,500 | 4,289 |
| Average earning assets | $75,318,000 | 4,233 |
| Average equity | $12,284,000 | 3,964 |
| Average total loans | $55,735,500 | 4,039 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8430% | 1,916 |
| Cost of funding earning assets | 1.4340% | 498 |
| Net interest margin | 3.4090% | 3,720 |
| Noninterest income to average assets | 0.1260% | 4,832 |
| Noninterest expense to average assets | 1.5011% | 5,003 |
| Loan and lease loss provision to assets | 0.0398% | 3,221 |
| Net operating income to assets | 1.7680% | 565 |
| Return on assets (ROA) | 1.7743% | 591 |
| Pretax return on assets | 1.8671% | 801 |
| Return on Equity (ROE) | 11.2641% | 1,788 |
| Retained earnings to average equity (ytd only) | 6.2130% | 1,763 |
| Net charge-offs to loans | 0.0305% | 2,784 |
| Credit loss provision to net charge-offs | 176.4706% | 1,473 |
| Earnings coverage of net charge-offs (x) | 84.2941% | 762 |
| Efficiency ratio | 44.1326% | 4,970 |
| Assets per employee ($millions) | 7.7501% | 781 |
| Cash dividends to net income (ytd only)* | 44.8430% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 2,623 |
| Loan loss allowance to noncurrent loans | 1,456.8182% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 4,344 |
| Noncurrent loans to loans | 0.0799% | 4,204 |
| Net loans and leases to total assets | 70.2597% | 2,356 |
| Net loans and leases to deposits | 99.5739% | 636 |
| Net loans and leases to core deposits | 122.1143% | 424 |
| Total domestic deposits to total assets | 70.5604% | 4,911 |
| Equity capital to assets | 15.8153% | 636 |
| Core capital (leverage) ratio | 15.9879% | 524 |
| Tier 1 risk-based capital ratio | 20.6816% | 1,223 |
| Total risk-based capital ratio | 21.7838% | 1,215 |
| Memoranda: | ||
| Average total assets | $75,410,600 | 4,355 |
| Average earning assets | $72,454,400 | 4,305 |
| Average equity | $11,878,400 | 4,014 |
| Average total loans | $55,697,400 | 4,060 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8809% | 1,870 |
| Cost of funding earning assets | 1.4322% | 510 |
| Net interest margin | 3.4487% | 3,737 |
| Noninterest income to average assets | 0.1353% | 4,856 |
| Noninterest expense to average assets | 1.4742% | 5,081 |
| Loan and lease loss provision to assets | 0.0410% | 3,085 |
| Net operating income to assets | 1.8237% | 584 |
| Return on assets (ROA) | 1.8320% | 602 |
| Pretax return on assets | 1.9389% | 791 |
| Return on Equity (ROE) | 11.6429% | 1,739 |
| Retained earnings to average equity (ytd only) | 6.5512% | 2,088 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7907% | 5,052 |
| Assets per employee ($millions) | 7.5208% | 835 |
| Cash dividends to net income (ytd only)* | 43.7320% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 2,747 |
| Loan loss allowance to noncurrent loans | 971.6418% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 4,271 |
| Noncurrent loans to loans | 0.1189% | 4,121 |
| Net loans and leases to total assets | 74.0427% | 1,813 |
| Net loans and leases to deposits | 106.2001% | 313 |
| Net loans and leases to core deposits | 129.4090% | 300 |
| Total domestic deposits to total assets | 69.7200% | 5,006 |
| Equity capital to assets | 16.1206% | 611 |
| Core capital (leverage) ratio | 15.8127% | 582 |
| Tier 1 risk-based capital ratio | 20.3767% | 1,305 |
| Total risk-based capital ratio | 21.4943% | 1,297 |
| Memoranda: | ||
| Average total assets | $74,888,000 | 4,418 |
| Average earning assets | $71,869,750 | 4,369 |
| Average equity | $11,783,750 | 4,063 |
| Average total loans | $55,848,500 | 4,105 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8299% | 1,968 |
| Cost of funding earning assets | 1.4234% | 489 |
| Net interest margin | 3.4066% | 3,875 |
| Noninterest income to average assets | 0.1471% | 4,836 |
| Noninterest expense to average assets | 1.6314% | 5,035 |
| Loan and lease loss provision to assets | 0.0401% | 3,011 |
| Net operating income to assets | 1.6429% | 826 |
| Return on assets (ROA) | 1.6555% | 831 |
| Pretax return on assets | 1.7598% | 1,149 |
| Return on Equity (ROE) | 10.6081% | 2,136 |
| Retained earnings to average equity (ytd only) | 8.0375% | 1,378 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7308% | 4,911 |
| Assets per employee ($millions) | 7.5658% | 786 |
| Cash dividends to net income (ytd only)* | 24.2326% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 2,860 |
| Loan loss allowance to noncurrent loans | 931.8841% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 4,313 |
| Noncurrent loans to loans | 0.1220% | 4,132 |
| Net loans and leases to total assets | 73.9195% | 1,906 |
| Net loans and leases to deposits | 105.0392% | 377 |
| Net loans and leases to core deposits | 123.3399% | 444 |
| Total domestic deposits to total assets | 70.3733% | 5,038 |
| Equity capital to assets | 15.8569% | 637 |
| Core capital (leverage) ratio | 15.6839% | 593 |
| Tier 1 risk-based capital ratio | 19.9082% | 1,366 |
| Total risk-based capital ratio | 20.9969% | 1,364 |
| Memoranda: | ||
| Average total assets | $74,781,330 | 4,455 |
| Average earning assets | $71,802,000 | 4,404 |
| Average equity | $11,670,330 | 4,091 |
| Average total loans | $55,685,670 | 4,129 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7703% | 1,990 |
| Cost of funding earning assets | 1.4060% | 445 |
| Net interest margin | 3.3643% | 3,996 |
| Noninterest income to average assets | 0.0807% | 5,142 |
| Noninterest expense to average assets | 1.4366% | 5,201 |
| Loan and lease loss provision to assets | 0.0430% | 2,779 |
| Net operating income to assets | 1.7492% | 662 |
| Return on assets (ROA) | 1.7594% | 659 |
| Pretax return on assets | 1.8563% | 867 |
| Return on Equity (ROE) | 11.3670% | 1,797 |
| Retained earnings to average equity (ytd only) | 11.3670% | 732 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2039% | 5,125 |
| Assets per employee ($millions) | 7.4108% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 2,878 |
| Loan loss allowance to noncurrent loans | 785.1852% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 4,260 |
| Noncurrent loans to loans | 0.1459% | 4,079 |
| Net loans and leases to total assets | 74.0311% | 1,797 |
| Net loans and leases to deposits | 105.4835% | 332 |
| Net loans and leases to core deposits | 125.7922% | 386 |
| Total domestic deposits to total assets | 70.1827% | 5,105 |
| Equity capital to assets | 15.8566% | 595 |
| Core capital (leverage) ratio | 15.6685% | 577 |
| Tier 1 risk-based capital ratio | 19.7729% | 1,382 |
| Total risk-based capital ratio | 20.8555% | 1,393 |
| Memoranda: | ||
| Average total assets | $74,343,000 | 4,507 |
| Average earning assets | $71,693,500 | 4,454 |
| Average equity | $11,507,000 | 4,127 |
| Average total loans | $55,244,000 | 4,181 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7027% | 1,815 |
| Cost of funding earning assets | 1.2938% | 222 |
| Net interest margin | 3.4089% | 3,977 |
| Noninterest income to average assets | 0.1059% | 5,134 |
| Noninterest expense to average assets | 1.4145% | 5,256 |
| Loan and lease loss provision to assets | 0.0611% | 2,936 |
| Net operating income to assets | 1.8149% | 536 |
| Return on assets (ROA) | 1.8149% | 530 |
| Pretax return on assets | 1.9099% | 702 |
| Return on Equity (ROE) | 12.4560% | 1,561 |
| Retained earnings to average equity (ytd only) | 9.6611% | 692 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7803% | 5,249 |
| Assets per employee ($millions) | 7.4578% | 812 |
| Cash dividends to net income (ytd only)* | 22.4383% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 2,869 |
| Loan loss allowance to noncurrent loans | 690.1099% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 4,214 |
| Noncurrent loans to loans | 0.1655% | 4,002 |
| Net loans and leases to total assets | 72.8915% | 2,116 |
| Net loans and leases to deposits | 104.7237% | 444 |
| Net loans and leases to core deposits | 121.4635% | 510 |
| Total domestic deposits to total assets | 69.6036% | 5,167 |
| Equity capital to assets | 15.1023% | 687 |
| Core capital (leverage) ratio | 15.2877% | 629 |
| Tier 1 risk-based capital ratio | 19.2285% | 1,471 |
| Total risk-based capital ratio | 20.2980% | 1,473 |
| Memoranda: | ||
| Average total assets | $73,667,400 | 4,529 |
| Average earning assets | $70,873,800 | 4,482 |
| Average equity | $10,733,800 | 4,201 |
| Average total loans | $53,707,000 | 4,232 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6647% | 1,782 |
| Cost of funding earning assets | 1.2544% | 189 |
| Net interest margin | 3.4104% | 3,976 |
| Noninterest income to average assets | 0.1107% | 5,170 |
| Noninterest expense to average assets | 1.3997% | 5,324 |
| Loan and lease loss provision to assets | 0.0690% | 2,593 |
| Net operating income to assets | 1.8264% | 576 |
| Return on assets (ROA) | 1.8264% | 578 |
| Pretax return on assets | 1.9244% | 779 |
| Return on Equity (ROE) | 12.6520% | 1,559 |
| Retained earnings to average equity (ytd only) | 8.8790% | 1,268 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2520% | 5,298 |
| Assets per employee ($millions) | 7.3649% | 817 |
| Cash dividends to net income (ytd only)* | 29.8211% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 2,952 |
| Loan loss allowance to noncurrent loans | 614.8515% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 4,261 |
| Noncurrent loans to loans | 0.1857% | 4,054 |
| Net loans and leases to total assets | 73.0220% | 2,162 |
| Net loans and leases to deposits | 107.3496% | 381 |
| Net loans and leases to core deposits | 125.2154% | 433 |
| Total domestic deposits to total assets | 68.0226% | 5,281 |
| Equity capital to assets | 14.6845% | 786 |
| Core capital (leverage) ratio | 15.0878% | 685 |
| Tier 1 risk-based capital ratio | 18.8169% | 1,585 |
| Total risk-based capital ratio | 19.8832% | 1,587 |
| Memoranda: | ||
| Average total assets | $73,439,750 | 4,581 |
| Average earning assets | $70,684,750 | 4,530 |
| Average equity | $10,601,500 | 4,254 |
| Average total loans | $53,386,500 | 4,283 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6276% | 1,703 |
| Cost of funding earning assets | 1.2348% | 158 |
| Net interest margin | 3.3928% | 3,975 |
| Noninterest income to average assets | 0.1227% | 5,184 |
| Noninterest expense to average assets | 1.3739% | 5,406 |
| Loan and lease loss provision to assets | 0.0818% | 2,273 |
| Net operating income to assets | 1.8345% | 542 |
| Return on assets (ROA) | 1.8345% | 544 |
| Pretax return on assets | 1.9327% | 713 |
| Return on Equity (ROE) | 12.7821% | 1,449 |
| Retained earnings to average equity (ytd only) | 7.0843% | 2,035 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5471% | 5,389 |
| Assets per employee ($millions) | 7.3614% | 806 |
| Cash dividends to net income (ytd only)* | 44.5765% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 3,068 |
| Loan loss allowance to noncurrent loans | 704.5977% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 4,400 |
| Noncurrent loans to loans | 0.1611% | 4,184 |
| Net loans and leases to total assets | 72.5487% | 2,187 |
| Net loans and leases to deposits | 101.9354% | 666 |
| Net loans and leases to core deposits | 118.0400% | 627 |
| Total domestic deposits to total assets | 71.1712% | 5,227 |
| Equity capital to assets | 14.3872% | 839 |
| Core capital (leverage) ratio | 14.5510% | 766 |
| Tier 1 risk-based capital ratio | 18.2180% | 1,747 |
| Total risk-based capital ratio | 19.2689% | 1,759 |
| Memoranda: | ||
| Average total assets | $73,370,000 | 4,631 |
| Average earning assets | $70,620,330 | 4,577 |
| Average equity | $10,530,330 | 4,303 |
| Average total loans | $53,048,330 | 4,325 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5832% | 1,617 |
| Cost of funding earning assets | 1.1926% | 144 |
| Net interest margin | 3.3905% | 3,912 |
| Noninterest income to average assets | 0.0928% | 5,354 |
| Noninterest expense to average assets | 1.4089% | 5,450 |
| Loan and lease loss provision to assets | 0.0819% | 2,154 |
| Net operating income to assets | 1.7639% | 604 |
| Return on assets (ROA) | 1.7639% | 611 |
| Pretax return on assets | 1.8622% | 797 |
| Return on Equity (ROE) | 12.3048% | 1,473 |
| Retained earnings to average equity (ytd only) | 12.3048% | 628 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0195% | 5,399 |
| Assets per employee ($millions) | 7.3887% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 3,276 |
| Loan loss allowance to noncurrent loans | 610.2041% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 4,431 |
| Noncurrent loans to loans | 0.1833% | 4,141 |
| Net loans and leases to total assets | 71.5674% | 2,243 |
| Net loans and leases to deposits | 98.2133% | 841 |
| Net loans and leases to core deposits | 113.9830% | 807 |
| Total domestic deposits to total assets | 72.8694% | 5,225 |
| Equity capital to assets | 14.3016% | 817 |
| Core capital (leverage) ratio | 14.5106% | 760 |
| Tier 1 risk-based capital ratio | 17.9107% | 1,861 |
| Total risk-based capital ratio | 18.9235% | 1,878 |
| Memoranda: | ||
| Average total assets | $73,248,000 | 4,687 |
| Average earning assets | $70,431,500 | 4,634 |
| Average equity | $10,500,000 | 4,352 |
| Average total loans | $52,563,000 | 4,378 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5832% | 1,482 |
| Cost of funding earning assets | 1.1640% | 91 |
| Net interest margin | 3.4192% | 3,789 |
| Noninterest income to average assets | 0.0990% | 5,417 |
| Noninterest expense to average assets | 1.4764% | 5,486 |
| Loan and lease loss provision to assets | 0.0825% | 2,553 |
| Net operating income to assets | 1.7360% | 488 |
| Return on assets (ROA) | 1.7582% | 476 |
| Pretax return on assets | 1.8503% | 691 |
| Return on Equity (ROE) | 12.5668% | 1,063 |
| Retained earnings to average equity (ytd only) | 6.6715% | 1,203 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6054% | 5,464 |
| Assets per employee ($millions) | 7.2609% | 857 |
| Cash dividends to net income (ytd only)* | 46.9116% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1288% | 3,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 70.3301% | 2,474 |
| Net loans and leases to deposits | 96.8406% | 1,009 |
| Net loans and leases to core deposits | 110.3366% | 980 |
| Total domestic deposits to total assets | 72.6246% | 5,289 |
| Equity capital to assets | 14.3687% | 815 |
| Core capital (leverage) ratio | 14.2518% | 783 |
| Tier 1 risk-based capital ratio | 17.9358% | 1,818 |
| Total risk-based capital ratio | 18.9557% | 1,834 |
| Memoranda: | ||
| Average total assets | $72,743,400 | 4,730 |
| Average earning assets | $69,928,600 | 4,667 |
| Average equity | $10,177,600 | 4,424 |
| Average total loans | $50,934,400 | 4,435 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5781% | 1,428 |
| Cost of funding earning assets | 1.1598% | 80 |
| Net interest margin | 3.4183% | 3,782 |
| Noninterest income to average assets | 0.0971% | 5,484 |
| Noninterest expense to average assets | 1.4675% | 5,540 |
| Loan and lease loss provision to assets | 0.0824% | 2,441 |
| Net operating income to assets | 1.7438% | 531 |
| Return on assets (ROA) | 1.7734% | 509 |
| Pretax return on assets | 1.8668% | 753 |
| Return on Equity (ROE) | 12.7611% | 1,111 |
| Retained earnings to average equity (ytd only) | 6.8288% | 1,784 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3442% | 5,503 |
| Assets per employee ($millions) | 7.1496% | 893 |
| Cash dividends to net income (ytd only)* | 46.4881% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 3,421 |
| Loan loss allowance to noncurrent loans | 481.3559% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 4,450 |
| Noncurrent loans to loans | 0.2313% | 4,141 |
| Net loans and leases to total assets | 70.5648% | 2,477 |
| Net loans and leases to deposits | 100.0278% | 742 |
| Net loans and leases to core deposits | 112.1407% | 921 |
| Total domestic deposits to total assets | 70.5452% | 5,459 |
| Equity capital to assets | 14.6456% | 819 |
| Core capital (leverage) ratio | 13.8256% | 935 |
| Tier 1 risk-based capital ratio | 17.8604% | 1,890 |
| Total risk-based capital ratio | 18.8656% | 1,911 |
| Memoranda: | ||
| Average total assets | $72,777,000 | 4,778 |
| Average earning assets | $70,012,500 | 4,716 |
| Average equity | $10,113,750 | 4,472 |
| Average total loans | $50,755,750 | 4,484 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5204% | 1,466 |
| Cost of funding earning assets | 1.1451% | 76 |
| Net interest margin | 3.3754% | 3,853 |
| Noninterest income to average assets | 0.0984% | 5,522 |
| Noninterest expense to average assets | 1.4945% | 5,575 |
| Loan and lease loss provision to assets | 0.0820% | 2,353 |
| Net operating income to assets | 1.6700% | 597 |
| Return on assets (ROA) | 1.6830% | 597 |
| Pretax return on assets | 1.7731% | 892 |
| Return on Equity (ROE) | 12.3266% | 1,201 |
| Retained earnings to average equity (ytd only) | 6.3234% | 1,953 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7993% | 5,501 |
| Assets per employee ($millions) | 6.7694% | 1,026 |
| Cash dividends to net income (ytd only)* | 48.7013% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 3,855 |
| Loan loss allowance to noncurrent loans | 691.2500% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 4,759 |
| Noncurrent loans to loans | 0.1518% | 4,507 |
| Net loans and leases to total assets | 70.0496% | 2,519 |
| Net loans and leases to deposits | 103.3956% | 528 |
| Net loans and leases to core deposits | 113.3910% | 827 |
| Total domestic deposits to total assets | 67.7491% | 5,602 |
| Equity capital to assets | 13.8539% | 1,014 |
| Core capital (leverage) ratio | 13.3156% | 1,050 |
| Tier 1 risk-based capital ratio | 16.9381% | 2,168 |
| Total risk-based capital ratio | 17.8852% | 2,218 |
| Memoranda: | ||
| Average total assets | $73,204,000 | 4,800 |
| Average earning assets | $70,214,330 | 4,741 |
| Average equity | $9,994,670 | 4,509 |
| Average total loans | $50,668,000 | 4,511 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4450% | 1,513 |
| Cost of funding earning assets | 1.1242% | 82 |
| Net interest margin | 3.3208% | 3,944 |
| Noninterest income to average assets | 0.1157% | 5,528 |
| Noninterest expense to average assets | 1.5653% | 5,590 |
| Loan and lease loss provision to assets | 0.0827% | 2,166 |
| Net operating income to assets | 1.5598% | 729 |
| Return on assets (ROA) | 1.5598% | 750 |
| Pretax return on assets | 1.6425% | 1,144 |
| Return on Equity (ROE) | 11.5111% | 1,403 |
| Retained earnings to average equity (ytd only) | 5.4098% | 2,660 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5712% | 5,485 |
| Assets per employee ($millions) | 6.8106% | 1,038 |
| Cash dividends to net income (ytd only)* | 53.0035% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 4,103 |
| Loan loss allowance to noncurrent loans | 664.1975% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 4,814 |
| Noncurrent loans to loans | 0.1549% | 4,569 |
| Net loans and leases to total assets | 69.0671% | 2,520 |
| Net loans and leases to deposits | 102.8933% | 449 |
| Net loans and leases to core deposits | 111.6378% | 787 |
| Total domestic deposits to total assets | 67.1250% | 5,694 |
| Equity capital to assets | 13.3054% | 1,145 |
| Core capital (leverage) ratio | 13.5658% | 957 |
| Tier 1 risk-based capital ratio | 16.5569% | 2,337 |
| Total risk-based capital ratio | 17.4746% | 2,406 |
| Memoranda: | ||
| Average total assets | $72,574,500 | 4,862 |
| Average earning assets | $69,381,000 | 4,796 |
| Average equity | $9,834,000 | 4,564 |
| Average total loans | $49,645,000 | 4,574 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4297% | 1,745 |
| Cost of funding earning assets | 1.0727% | 114 |
| Net interest margin | 3.3571% | 3,970 |
| Noninterest income to average assets | 0.0915% | 5,664 |
| Noninterest expense to average assets | 1.4931% | 5,724 |
| Loan and lease loss provision to assets | 0.0832% | 2,693 |
| Net operating income to assets | 1.6447% | 619 |
| Return on assets (ROA) | 1.6816% | 598 |
| Pretax return on assets | 1.7689% | 858 |
| Return on Equity (ROE) | 12.3682% | 1,154 |
| Retained earnings to average equity (ytd only) | 6.2504% | 1,580 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1572% | 5,666 |
| Assets per employee ($millions) | 6.3847% | 1,216 |
| Cash dividends to net income (ytd only)* | 49.4641% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 3,639 |
| Loan loss allowance to noncurrent loans | 637.8049% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 4,826 |
| Noncurrent loans to loans | 0.1744% | 4,538 |
| Net loans and leases to total assets | 66.1892% | 3,046 |
| Net loans and leases to deposits | 95.2153% | 1,073 |
| Net loans and leases to core deposits | 102.4282% | 1,419 |
| Total domestic deposits to total assets | 69.5153% | 5,682 |
| Equity capital to assets | 13.8114% | 953 |
| Core capital (leverage) ratio | 13.7299% | 891 |
| Tier 1 risk-based capital ratio | 17.6307% | 1,968 |
| Total risk-based capital ratio | 18.5938% | 2,008 |
| Memoranda: | ||
| Average total assets | $72,133,800 | 4,889 |
| Average earning assets | $69,078,400 | 4,824 |
| Average equity | $9,807,400 | 4,614 |
| Average total loans | $47,019,200 | 4,665 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4077% | 1,841 |
| Cost of funding earning assets | 1.0660% | 115 |
| Net interest margin | 3.3416% | 4,053 |
| Noninterest income to average assets | 0.0955% | 5,725 |
| Noninterest expense to average assets | 1.4984% | 5,762 |
| Loan and lease loss provision to assets | 0.0826% | 2,556 |
| Net operating income to assets | 1.6406% | 670 |
| Return on assets (ROA) | 1.6912% | 641 |
| Pretax return on assets | 1.7738% | 941 |
| Return on Equity (ROE) | 12.4867% | 1,178 |
| Retained earnings to average equity (ytd only) | 6.3856% | 1,966 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3838% | 5,695 |
| Assets per employee ($millions) | 6.4905% | 1,115 |
| Cash dividends to net income (ytd only)* | 48.8603% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 4,033 |
| Loan loss allowance to noncurrent loans | 659.7403% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 4,935 |
| Noncurrent loans to loans | 0.1620% | 4,705 |
| Net loans and leases to total assets | 65.8730% | 3,147 |
| Net loans and leases to deposits | 97.6273% | 890 |
| Net loans and leases to core deposits | 103.9751% | 1,341 |
| Total domestic deposits to total assets | 67.4739% | 5,780 |
| Equity capital to assets | 14.2405% | 953 |
| Core capital (leverage) ratio | 13.2792% | 1,080 |
| Tier 1 risk-based capital ratio | 16.6311% | 2,367 |
| Total risk-based capital ratio | 17.5268% | 2,457 |
| Memoranda: | ||
| Average total assets | $72,609,250 | 4,916 |
| Average earning assets | $69,665,000 | 4,854 |
| Average equity | $9,834,250 | 4,649 |
| Average total loans | $47,021,750 | 4,703 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3865% | 1,863 |
| Cost of funding earning assets | 1.0539% | 118 |
| Net interest margin | 3.3326% | 4,107 |
| Noninterest income to average assets | 0.1041% | 5,760 |
| Noninterest expense to average assets | 1.5203% | 5,824 |
| Loan and lease loss provision to assets | 0.0822% | 2,494 |
| Net operating income to assets | 1.6271% | 676 |
| Return on assets (ROA) | 1.6791% | 643 |
| Pretax return on assets | 1.7613% | 957 |
| Return on Equity (ROE) | 12.6088% | 1,133 |
| Retained earnings to average equity (ytd only) | 6.4381% | 1,900 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9437% | 5,754 |
| Assets per employee ($millions) | 6.5939% | 1,045 |
| Cash dividends to net income (ytd only)* | 48.9396% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 4,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 5,519 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 65.2338% | 3,191 |
| Net loans and leases to deposits | 100.4224% | 662 |
| Net loans and leases to core deposits | 107.1055% | 1,092 |
| Total domestic deposits to total assets | 64.9594% | 5,915 |
| Equity capital to assets | 13.9206% | 1,054 |
| Core capital (leverage) ratio | 12.6323% | 1,290 |
| Tier 1 risk-based capital ratio | 16.7534% | 2,332 |
| Total risk-based capital ratio | 17.6439% | 2,413 |
| Memoranda: | ||
| Average total assets | $73,014,000 | 4,959 |
| Average earning assets | $70,214,670 | 4,880 |
| Average equity | $9,723,330 | 4,700 |
| Average total loans | $46,849,670 | 4,745 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3694% | 1,899 |
| Cost of funding earning assets | 1.0271% | 143 |
| Net interest margin | 3.3423% | 4,071 |
| Noninterest income to average assets | 0.0983% | 5,825 |
| Noninterest expense to average assets | 1.5781% | 5,849 |
| Loan and lease loss provision to assets | 0.0819% | 2,310 |
| Net operating income to assets | 1.5748% | 741 |
| Return on assets (ROA) | 1.6163% | 724 |
| Pretax return on assets | 1.6982% | 1,074 |
| Return on Equity (ROE) | 12.4155% | 1,180 |
| Retained earnings to average equity (ytd only) | 6.1238% | 2,320 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6112% | 5,741 |
| Assets per employee ($millions) | 6.7141% | 1,005 |
| Cash dividends to net income (ytd only)* | 50.6757% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 4,562 |
| Loan loss allowance to noncurrent loans | 620.7792% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 5,083 |
| Noncurrent loans to loans | 0.1623% | 4,843 |
| Net loans and leases to total assets | 63.5854% | 3,300 |
| Net loans and leases to deposits | 94.1971% | 1,130 |
| Net loans and leases to core deposits | 106.1937% | 1,066 |
| Total domestic deposits to total assets | 67.5025% | 5,934 |
| Equity capital to assets | 13.1284% | 1,352 |
| Core capital (leverage) ratio | 12.3510% | 1,409 |
| Tier 1 risk-based capital ratio | 16.5069% | 2,476 |
| Total risk-based capital ratio | 17.3733% | 2,576 |
| Memoranda: | ||
| Average total assets | $73,254,500 | 4,993 |
| Average earning assets | $70,491,000 | 4,910 |
| Average equity | $9,536,500 | 4,756 |
| Average total loans | $46,370,000 | 4,791 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3457% | 2,074 |
| Cost of funding earning assets | 1.1425% | 74 |
| Net interest margin | 3.2031% | 4,619 |
| Noninterest income to average assets | 0.1033% | 5,864 |
| Noninterest expense to average assets | 1.5283% | 5,961 |
| Loan and lease loss provision to assets | 0.0620% | 3,061 |
| Net operating income to assets | 1.5175% | 836 |
| Return on assets (ROA) | 1.5489% | 809 |
| Pretax return on assets | 1.6302% | 1,168 |
| Return on Equity (ROE) | 12.3992% | 1,208 |
| Retained earnings to average equity (ytd only) | 5.7863% | 1,907 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9482% | 5,845 |
| Assets per employee ($millions) | 6.6049% | 1,045 |
| Cash dividends to net income (ytd only)* | 53.3333% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 4,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 5,618 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 61.7144% | 3,598 |
| Net loans and leases to deposits | 84.5123% | 2,303 |
| Net loans and leases to core deposits | 99.8063% | 1,516 |
| Total domestic deposits to total assets | 73.0242% | 5,722 |
| Equity capital to assets | 12.9064% | 1,395 |
| Core capital (leverage) ratio | 12.4651% | 1,363 |
| Tier 1 risk-based capital ratio | 16.6425% | 2,410 |
| Total risk-based capital ratio | 17.5024% | 2,543 |
| Memoranda: | ||
| Average total assets | $72,630,400 | 5,028 |
| Average earning assets | $69,931,400 | 4,943 |
| Average equity | $9,073,200 | 4,827 |
| Average total loans | $44,450,600 | 4,849 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3503% | 2,078 |
| Cost of funding earning assets | 1.1580% | 71 |
| Net interest margin | 3.1922% | 4,695 |
| Noninterest income to average assets | 0.1065% | 5,934 |
| Noninterest expense to average assets | 1.5128% | 6,038 |
| Loan and lease loss provision to assets | 0.0826% | 2,518 |
| Net operating income to assets | 1.5236% | 889 |
| Return on assets (ROA) | 1.5642% | 868 |
| Pretax return on assets | 1.6303% | 1,294 |
| Return on Equity (ROE) | 12.6257% | 1,216 |
| Retained earnings to average equity (ytd only) | 5.9573% | 2,276 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5202% | 5,895 |
| Assets per employee ($millions) | 6.5541% | 1,048 |
| Cash dividends to net income (ytd only)* | 52.8174% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 4,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 5,719 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 61.2608% | 3,699 |
| Net loans and leases to deposits | 82.9782% | 2,530 |
| Net loans and leases to core deposits | 95.2202% | 1,959 |
| Total domestic deposits to total assets | 73.8276% | 5,726 |
| Equity capital to assets | 12.8331% | 1,542 |
| Core capital (leverage) ratio | 12.2428% | 1,546 |
| Tier 1 risk-based capital ratio | 16.6259% | 2,510 |
| Total risk-based capital ratio | 17.4970% | 2,646 |
| Memoranda: | ||
| Average total assets | $72,624,500 | 5,085 |
| Average earning assets | $70,001,750 | 4,996 |
| Average equity | $8,997,250 | 4,908 |
| Average total loans | $44,238,000 | 4,906 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3390% | 2,051 |
| Cost of funding earning assets | 1.1639% | 67 |
| Net interest margin | 3.1751% | 4,735 |
| Noninterest income to average assets | 0.1071% | 6,001 |
| Noninterest expense to average assets | 1.5632% | 6,077 |
| Loan and lease loss provision to assets | 0.1236% | 1,785 |
| Net operating income to assets | 1.4144% | 1,062 |
| Return on assets (ROA) | 1.4698% | 1,002 |
| Pretax return on assets | 1.5357% | 1,537 |
| Return on Equity (ROE) | 12.0058% | 1,367 |
| Retained earnings to average equity (ytd only) | 5.2736% | 2,694 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3924% | 5,880 |
| Assets per employee ($millions) | 7.3147% | 732 |
| Cash dividends to net income (ytd only)* | 56.0748% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 4,700 |
| Loan loss allowance to noncurrent loans | 3,307.1429% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 5,710 |
| Noncurrent loans to loans | 0.0312% | 5,627 |
| Net loans and leases to total assets | 60.6764% | 3,728 |
| Net loans and leases to deposits | 81.8965% | 2,565 |
| Net loans and leases to core deposits | 94.6070% | 1,899 |
| Total domestic deposits to total assets | 74.0892% | 5,782 |
| Equity capital to assets | 12.0784% | 1,966 |
| Core capital (leverage) ratio | 11.8667% | 1,736 |
| Tier 1 risk-based capital ratio | 16.3527% | 2,686 |
| Total risk-based capital ratio | 17.2258% | 2,829 |
| Memoranda: | ||
| Average total assets | $72,801,000 | 5,133 |
| Average earning assets | $70,108,670 | 5,040 |
| Average equity | $8,912,330 | 4,960 |
| Average total loans | $44,107,670 | 4,945 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2667% | 2,205 |
| Cost of funding earning assets | 1.1678% | 69 |
| Net interest margin | 3.0989% | 4,956 |
| Noninterest income to average assets | 0.0936% | 6,109 |
| Noninterest expense to average assets | 1.5641% | 6,135 |
| Loan and lease loss provision to assets | 0.0551% | 2,833 |
| Net operating income to assets | 1.4077% | 1,019 |
| Return on assets (ROA) | 1.4870% | 925 |
| Pretax return on assets | 1.5531% | 1,379 |
| Return on Equity (ROE) | 12.0657% | 1,330 |
| Retained earnings to average equity (ytd only) | 5.3625% | 2,857 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6239% | 5,879 |
| Assets per employee ($millions) | 7.2619% | 755 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 5,182 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 5,868 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 60.3451% | 3,603 |
| Net loans and leases to deposits | 82.2856% | 2,306 |
| Net loans and leases to core deposits | 90.6725% | 2,067 |
| Total domestic deposits to total assets | 73.3362% | 5,952 |
| Equity capital to assets | 12.5725% | 1,650 |
| Core capital (leverage) ratio | 11.8037% | 1,772 |
| Tier 1 risk-based capital ratio | 16.3276% | 2,771 |
| Total risk-based capital ratio | 17.1444% | 2,915 |
| Memoranda: | ||
| Average total assets | $72,628,000 | 5,180 |
| Average earning assets | $70,218,000 | 5,086 |
| Average equity | $8,951,000 | 5,005 |
| Average total loans | $43,738,500 | 4,991 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 2,513 |
| Cost of funding earning assets | 1.2670% | 63 |
| Net interest margin | 3.0594% | 5,297 |
| Noninterest income to average assets | 0.1189% | 6,089 |
| Noninterest expense to average assets | 1.3890% | 6,361 |
| Loan and lease loss provision to assets | 0.0143% | 4,324 |
| Net operating income to assets | 1.5684% | 761 |
| Return on assets (ROA) | 1.5766% | 780 |
| Pretax return on assets | 1.6597% | 1,074 |
| Return on Equity (ROE) | 13.4867% | 1,045 |
| Retained earnings to average equity (ytd only) | 6.1370% | 1,841 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4759% | 6,286 |
| Assets per employee ($millions) | 7.2637% | 729 |
| Cash dividends to net income (ytd only)* | 54.4959% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9670% | 5,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 5,967 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 58.9355% | 3,925 |
| Net loans and leases to deposits | 81.1776% | 2,584 |
| Net loans and leases to core deposits | 87.2158% | 2,591 |
| Total domestic deposits to total assets | 72.6007% | 6,047 |
| Equity capital to assets | 12.0765% | 1,959 |
| Core capital (leverage) ratio | 11.8753% | 1,714 |
| Tier 1 risk-based capital ratio | 16.5412% | 2,697 |
| Total risk-based capital ratio | 17.3608% | 2,852 |
| Memoranda: | ||
| Average total assets | $69,833,800 | 5,296 |
| Average earning assets | $67,006,600 | 5,199 |
| Average equity | $8,163,600 | 5,165 |
| Average total loans | $41,180,200 | 5,138 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3212% | 2,536 |
| Cost of funding earning assets | 1.2883% | 60 |
| Net interest margin | 3.0329% | 5,429 |
| Noninterest income to average assets | 0.1273% | 6,130 |
| Noninterest expense to average assets | 1.3963% | 6,412 |
| Loan and lease loss provision to assets | 0.0193% | 4,019 |
| Net operating income to assets | 1.5528% | 837 |
| Return on assets (ROA) | 1.5602% | 862 |
| Pretax return on assets | 1.6297% | 1,233 |
| Return on Equity (ROE) | 13.4636% | 1,102 |
| Retained earnings to average equity (ytd only) | 5.9745% | 2,428 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9683% | 6,292 |
| Assets per employee ($millions) | 7.1295% | 764 |
| Cash dividends to net income (ytd only)* | 55.6247% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 5,173 |
| Loan loss allowance to noncurrent loans | 156.5543% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 4,741 |
| Noncurrent loans to loans | 0.6444% | 4,001 |
| Net loans and leases to total assets | 57.5286% | 4,132 |
| Net loans and leases to deposits | 75.5049% | 3,243 |
| Net loans and leases to core deposits | 81.3870% | 3,163 |
| Total domestic deposits to total assets | 76.1919% | 5,791 |
| Equity capital to assets | 11.9602% | 2,089 |
| Core capital (leverage) ratio | 11.6686% | 1,926 |
| Tier 1 risk-based capital ratio | 17.0789% | 2,588 |
| Total risk-based capital ratio | 17.9397% | 2,689 |
| Memoranda: | ||
| Average total assets | $69,133,000 | 5,371 |
| Average earning assets | $66,337,750 | 5,275 |
| Average equity | $8,011,500 | 5,239 |
| Average total loans | $40,668,500 | 5,206 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 2,562 |
| Cost of funding earning assets | 1.3043% | 56 |
| Net interest margin | 3.0018% | 5,515 |
| Noninterest income to average assets | 0.1403% | 6,120 |
| Noninterest expense to average assets | 1.4033% | 6,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5470% | 796 |
| Return on assets (ROA) | 1.5582% | 813 |
| Pretax return on assets | 1.6284% | 1,185 |
| Return on Equity (ROE) | 13.5975% | 1,034 |
| Retained earnings to average equity (ytd only) | 5.9441% | 2,353 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4666% | 6,339 |
| Assets per employee ($millions) | 6.9473% | 819 |
| Cash dividends to net income (ytd only)* | 56.2852% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 5,216 |
| Loan loss allowance to noncurrent loans | 658.0645% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 5,805 |
| Noncurrent loans to loans | 0.1563% | 5,544 |
| Net loans and leases to total assets | 56.5025% | 4,199 |
| Net loans and leases to deposits | 74.5678% | 3,261 |
| Net loans and leases to core deposits | 80.2593% | 3,184 |
| Total domestic deposits to total assets | 75.7733% | 5,939 |
| Equity capital to assets | 11.9845% | 1,996 |
| Core capital (leverage) ratio | 11.8102% | 1,777 |
| Tier 1 risk-based capital ratio | 17.6024% | 2,385 |
| Total risk-based capital ratio | 18.4818% | 2,485 |
| Memoranda: | ||
| Average total assets | $68,412,330 | 5,441 |
| Average earning assets | $65,626,670 | 5,331 |
| Average equity | $7,839,670 | 5,303 |
| Average total loans | $40,413,670 | 5,257 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3066% | 2,497 |
| Cost of funding earning assets | 1.3190% | 57 |
| Net interest margin | 2.9876% | 5,552 |
| Noninterest income to average assets | 0.1414% | 6,130 |
| Noninterest expense to average assets | 1.3848% | 6,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5556% | 723 |
| Return on assets (ROA) | 1.5556% | 756 |
| Pretax return on assets | 1.6264% | 1,122 |
| Return on Equity (ROE) | 13.9011% | 963 |
| Retained earnings to average equity (ytd only) | 6.0028% | 2,543 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9883% | 6,428 |
| Assets per employee ($millions) | 6.9473% | 822 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 5,471 |
| Loan loss allowance to noncurrent loans | 995.1220% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 5,926 |
| Noncurrent loans to loans | 0.1016% | 5,822 |
| Net loans and leases to total assets | 57.4712% | 3,926 |
| Net loans and leases to deposits | 75.4650% | 2,875 |
| Net loans and leases to core deposits | 81.1673% | 2,835 |
| Total domestic deposits to total assets | 76.1562% | 6,062 |
| Equity capital to assets | 11.3008% | 2,423 |
| Core capital (leverage) ratio | 11.8431% | 1,738 |
| Tier 1 risk-based capital ratio | 17.3988% | 2,515 |
| Total risk-based capital ratio | 18.2809% | 2,628 |
| Memoranda: | ||
| Average total assets | $67,882,000 | 5,510 |
| Average earning assets | $65,202,000 | 5,400 |
| Average equity | $7,596,500 | 5,394 |
| Average total loans | $40,789,500 | 5,288 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5184% | 2,136 |
| Cost of funding earning assets | 1.3951% | 73 |
| Net interest margin | 3.1233% | 5,248 |
| Noninterest income to average assets | 0.1246% | 6,305 |
| Noninterest expense to average assets | 1.4088% | 6,627 |
| Loan and lease loss provision to assets | 0.0578% | 3,988 |
| Net operating income to assets | 1.5827% | 715 |
| Return on assets (ROA) | 1.6809% | 614 |
| Pretax return on assets | 1.7690% | 816 |
| Return on Equity (ROE) | 14.4209% | 864 |
| Retained earnings to average equity (ytd only) | 6.5976% | 1,628 |
| Net charge-offs to loans | 0.0151% | 5,142 |
| Credit loss provision to net charge-offs | 633.3333% | 370 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 240 |
| Efficiency ratio | 44.9782% | 6,589 |
| Assets per employee ($millions) | 7.3657% | 639 |
| Cash dividends to net income (ytd only)* | 54.2495% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 5,621 |
| Loan loss allowance to noncurrent loans | 1,046.1538% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.1116% | 5,997 |
| Noncurrent loans to loans | 0.0946% | 5,929 |
| Net loans and leases to total assets | 61.6011% | 3,425 |
| Net loans and leases to deposits | 83.4990% | 1,998 |
| Net loans and leases to core deposits | 89.3743% | 2,098 |
| Total domestic deposits to total assets | 73.7747% | 6,295 |
| Equity capital to assets | 11.0754% | 2,546 |
| Core capital (leverage) ratio | 11.8981% | 1,678 |
| Tier 1 risk-based capital ratio | 16.9161% | 2,646 |
| Total risk-based capital ratio | 17.7860% | 2,811 |
| Memoranda: | ||
| Average total assets | $65,799,600 | 5,597 |
| Average earning assets | $63,363,000 | 5,491 |
| Average equity | $7,669,400 | 5,422 |
| Average total loans | $39,720,600 | 5,360 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4848% | 2,289 |
| Cost of funding earning assets | 1.4037% | 75 |
| Net interest margin | 3.0810% | 5,376 |
| Noninterest income to average assets | 0.1299% | 6,369 |
| Noninterest expense to average assets | 1.3886% | 6,701 |
| Loan and lease loss provision to assets | 0.0609% | 3,828 |
| Net operating income to assets | 1.5838% | 770 |
| Return on assets (ROA) | 1.6890% | 666 |
| Pretax return on assets | 1.7621% | 975 |
| Return on Equity (ROE) | 14.3114% | 925 |
| Retained earnings to average equity (ytd only) | 7.4309% | 1,675 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7644% | 6,633 |
| Assets per employee ($millions) | 7.4456% | 598 |
| Cash dividends to net income (ytd only)* | 48.0767% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9905% | 5,767 |
| Loan loss allowance to noncurrent loans | 902.2222% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.1462% | 6,004 |
| Noncurrent loans to loans | 0.1098% | 6,005 |
| Net loans and leases to total assets | 60.5641% | 3,601 |
| Net loans and leases to deposits | 80.0521% | 2,404 |
| Net loans and leases to core deposits | 85.4616% | 2,471 |
| Total domestic deposits to total assets | 75.6559% | 6,206 |
| Equity capital to assets | 11.1252% | 2,638 |
| Core capital (leverage) ratio | 11.5971% | 1,956 |
| Tier 1 risk-based capital ratio | 16.8829% | 2,758 |
| Total risk-based capital ratio | 17.7548% | 2,898 |
| Memoranda: | ||
| Average total assets | $65,676,750 | 5,660 |
| Average earning assets | $63,353,750 | 5,552 |
| Average equity | $7,751,250 | 5,457 |
| Average total loans | $39,339,750 | 5,428 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5042% | 2,187 |
| Cost of funding earning assets | 1.4135% | 75 |
| Net interest margin | 3.0907% | 5,295 |
| Noninterest income to average assets | 0.1349% | 6,379 |
| Noninterest expense to average assets | 1.3981% | 6,735 |
| Loan and lease loss provision to assets | 0.0920% | 3,249 |
| Net operating income to assets | 1.5590% | 806 |
| Return on assets (ROA) | 1.6679% | 726 |
| Pretax return on assets | 1.7415% | 1,032 |
| Return on Equity (ROE) | 13.8599% | 1,044 |
| Retained earnings to average equity (ytd only) | 8.7643% | 1,194 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8378% | 6,682 |
| Assets per employee ($millions) | 7.3976% | 600 |
| Cash dividends to net income (ytd only)* | 36.7647% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 5,713 |
| Loan loss allowance to noncurrent loans | 375.9259% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 5,764 |
| Noncurrent loans to loans | 0.2738% | 5,614 |
| Net loans and leases to total assets | 58.6395% | 3,882 |
| Net loans and leases to deposits | 77.6163% | 2,621 |
| Net loans and leases to core deposits | 84.4568% | 2,497 |
| Total domestic deposits to total assets | 75.5505% | 6,300 |
| Equity capital to assets | 10.9315% | 2,818 |
| Core capital (leverage) ratio | 11.7391% | 1,773 |
| Tier 1 risk-based capital ratio | 17.2343% | 2,618 |
| Total risk-based capital ratio | 18.1346% | 2,729 |
| Memoranda: | ||
| Average total assets | $65,232,330 | 5,719 |
| Average earning assets | $62,963,330 | 5,596 |
| Average equity | $7,850,000 | 5,468 |
| Average total loans | $38,789,670 | 5,480 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5164% | 2,110 |
| Cost of funding earning assets | 1.4222% | 78 |
| Net interest margin | 3.0942% | 5,281 |
| Noninterest income to average assets | 0.1177% | 6,514 |
| Noninterest expense to average assets | 1.4003% | 6,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6444% | 652 |
| Return on assets (ROA) | 1.8526% | 480 |
| Pretax return on assets | 1.9269% | 699 |
| Return on Equity (ROE) | 14.7001% | 822 |
| Retained earnings to average equity (ytd only) | 14.7001% | 376 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0199% | 6,731 |
| Assets per employee ($millions) | 7.1292% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 6,013 |
| Loan loss allowance to noncurrent loans | 989.4737% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 6,103 |
| Noncurrent loans to loans | 0.1002% | 6,180 |
| Net loans and leases to total assets | 58.5197% | 3,697 |
| Net loans and leases to deposits | 80.0478% | 2,064 |
| Net loans and leases to core deposits | 87.8706% | 1,922 |
| Total domestic deposits to total assets | 73.1060% | 6,592 |
| Equity capital to assets | 12.8080% | 1,528 |
| Core capital (leverage) ratio | 12.0920% | 1,514 |
| Tier 1 risk-based capital ratio | 17.7931% | 2,448 |
| Total risk-based capital ratio | 18.6589% | 2,560 |
| Memoranda: | ||
| Average total assets | $64,559,500 | 5,789 |
| Average earning assets | $62,439,000 | 5,664 |
| Average equity | $8,136,000 | 5,450 |
| Average total loans | $38,461,000 | 5,531 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8373% | 2,072 |
| Cost of funding earning assets | 1.5478% | 135 |
| Net interest margin | 3.2895% | 5,282 |
| Noninterest income to average assets | 0.1062% | 6,481 |
| Noninterest expense to average assets | 1.3653% | 6,924 |
| Loan and lease loss provision to assets | 0.0082% | 5,820 |
| Net operating income to assets | 1.7973% | 511 |
| Return on assets (ROA) | 1.9369% | 443 |
| Pretax return on assets | 2.0382% | 560 |
| Return on Equity (ROE) | 15.3325% | 756 |
| Retained earnings to average equity (ytd only) | 7.5758% | 1,294 |
| Net charge-offs to loans | -0.0027% | 6,346 |
| Credit loss provision to net charge-offs | -500.0000% | 6,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8209% | 6,896 |
| Assets per employee ($millions) | 6.4956% | 1,004 |
| Cash dividends to net income (ytd only)* | 50.5902% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 6,081 |
| Loan loss allowance to noncurrent loans | 989.4737% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 5,752 |
| Noncurrent loans to loans | 0.0974% | 6,245 |
| Net loans and leases to total assets | 59.4587% | 3,691 |
| Net loans and leases to deposits | 81.3232% | 2,104 |
| Net loans and leases to core deposits | 87.9933% | 2,083 |
| Total domestic deposits to total assets | 73.1141% | 6,608 |
| Equity capital to assets | 12.3992% | 1,787 |
| Core capital (leverage) ratio | 11.8886% | 1,625 |
| Tier 1 risk-based capital ratio | 16.4278% | 2,928 |
| Total risk-based capital ratio | 17.2594% | 3,112 |
| Memoranda: | ||
| Average total assets | $61,231,400 | 5,891 |
| Average earning assets | $58,793,600 | 5,787 |
| Average equity | $7,735,200 | 5,577 |
| Average total loans | $36,834,800 | 5,644 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9021% | 2,001 |
| Cost of funding earning assets | 1.5848% | 136 |
| Net interest margin | 3.3173% | 5,322 |
| Noninterest income to average assets | 0.1083% | 6,592 |
| Noninterest expense to average assets | 1.3775% | 6,999 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.8361% | 532 |
| Return on assets (ROA) | 1.9635% | 464 |
| Pretax return on assets | 2.0431% | 640 |
| Return on Equity (ROE) | 15.4656% | 822 |
| Retained earnings to average equity (ytd only) | 10.2407% | 854 |
| Net charge-offs to loans | -0.0037% | 6,242 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8964% | 6,968 |
| Assets per employee ($millions) | 6.1870% | 1,128 |
| Cash dividends to net income (ytd only)* | 33.7838% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 6,146 |
| Loan loss allowance to noncurrent loans | 976.3158% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 5,443 |
| Noncurrent loans to loans | 0.1007% | 6,361 |
| Net loans and leases to total assets | 60.3750% | 3,704 |
| Net loans and leases to deposits | 83.3553% | 1,946 |
| Net loans and leases to core deposits | 89.9619% | 1,982 |
| Total domestic deposits to total assets | 72.4309% | 6,719 |
| Equity capital to assets | 13.1259% | 1,530 |
| Core capital (leverage) ratio | 12.0017% | 1,656 |
| Tier 1 risk-based capital ratio | 17.2867% | 2,612 |
| Total risk-based capital ratio | 18.1499% | 2,745 |
| Memoranda: | ||
| Average total assets | $60,300,250 | 5,982 |
| Average earning assets | $57,796,750 | 5,885 |
| Average equity | $7,655,500 | 5,656 |
| Average total loans | $36,294,000 | 5,736 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9432% | 1,949 |
| Cost of funding earning assets | 1.6070% | 150 |
| Net interest margin | 3.3362% | 5,322 |
| Noninterest income to average assets | 0.1606% | 6,382 |
| Noninterest expense to average assets | 1.4253% | 7,045 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8554% | 506 |
| Return on assets (ROA) | 1.9807% | 465 |
| Pretax return on assets | 2.0610% | 621 |
| Return on Equity (ROE) | 15.7860% | 798 |
| Retained earnings to average equity (ytd only) | 10.4529% | 862 |
| Net charge-offs to loans | -0.0056% | 6,182 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4726% | 7,007 |
| Assets per employee ($millions) | 6.1227% | 1,154 |
| Cash dividends to net income (ytd only)* | 33.7838% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 6,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 5,637 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 58.4432% | 4,093 |
| Net loans and leases to deposits | 81.1038% | 2,217 |
| Net loans and leases to core deposits | 88.1898% | 2,186 |
| Total domestic deposits to total assets | 72.0597% | 6,800 |
| Equity capital to assets | 12.8179% | 1,610 |
| Core capital (leverage) ratio | 12.1070% | 1,547 |
| Tier 1 risk-based capital ratio | 17.2739% | 2,556 |
| Total risk-based capital ratio | 18.1597% | 2,670 |
| Memoranda: | ||
| Average total assets | $59,777,000 | 6,036 |
| Average earning assets | $57,250,330 | 5,932 |
| Average equity | $7,500,330 | 5,712 |
| Average total loans | $35,817,000 | 5,793 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9862% | 1,936 |
| Cost of funding earning assets | 1.6315% | 164 |
| Net interest margin | 3.3547% | 5,290 |
| Noninterest income to average assets | 0.0610% | 6,893 |
| Noninterest expense to average assets | 1.3547% | 7,146 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8462% | 545 |
| Return on assets (ROA) | 1.9373% | 540 |
| Pretax return on assets | 2.0186% | 713 |
| Return on Equity (ROE) | 15.6145% | 865 |
| Retained earnings to average equity (ytd only) | 10.1549% | 1,225 |
| Net charge-offs to loans | -0.0112% | 5,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3223% | 7,073 |
| Assets per employee ($millions) | 5.9598% | 1,308 |
| Cash dividends to net income (ytd only)* | 34.9650% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 6,111 |
| Loan loss allowance to noncurrent loans | 976.3158% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.5420% | 5,518 |
| Noncurrent loans to loans | 0.1067% | 6,492 |
| Net loans and leases to total assets | 59.1312% | 3,832 |
| Net loans and leases to deposits | 82.4891% | 1,866 |
| Net loans and leases to core deposits | 90.4984% | 1,800 |
| Total domestic deposits to total assets | 71.6836% | 6,894 |
| Equity capital to assets | 12.5105% | 1,714 |
| Core capital (leverage) ratio | 12.0748% | 1,547 |
| Tier 1 risk-based capital ratio | 16.9517% | 2,701 |
| Total risk-based capital ratio | 17.8465% | 2,825 |
| Memoranda: | ||
| Average total assets | $59,052,000 | 6,093 |
| Average earning assets | $56,636,500 | 5,990 |
| Average equity | $7,326,500 | 5,784 |
| Average total loans | $35,648,500 | 5,839 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4119% | 1,389 |
| Cost of funding earning assets | 1.8666% | 168 |
| Net interest margin | 3.5453% | 4,961 |
| Noninterest income to average assets | 0.0975% | 6,648 |
| Noninterest expense to average assets | 1.4588% | 7,190 |
| Loan and lease loss provision to assets | 0.0542% | 5,917 |
| Net operating income to assets | 1.8579% | 418 |
| Return on assets (ROA) | 1.9300% | 384 |
| Pretax return on assets | 2.0311% | 499 |
| Return on Equity (ROE) | 15.4627% | 681 |
| Retained earnings to average equity (ytd only) | 5.3375% | 2,426 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0614% | 7,169 |
| Assets per employee ($millions) | 5.8506% | 1,332 |
| Cash dividends to net income (ytd only)* | 65.4818% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 6,046 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5042% | 5,707 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 60.3613% | 3,927 |
| Net loans and leases to deposits | 84.2418% | 1,893 |
| Net loans and leases to core deposits | 91.8322% | 1,900 |
| Total domestic deposits to total assets | 71.6525% | 6,894 |
| Equity capital to assets | 12.3013% | 1,910 |
| Core capital (leverage) ratio | 11.9940% | 1,597 |
| Tier 1 risk-based capital ratio | 16.8659% | 2,660 |
| Total risk-based capital ratio | 17.7780% | 2,775 |
| Memoranda: | ||
| Average total assets | $55,389,200 | 6,188 |
| Average earning assets | $52,661,600 | 6,098 |
| Average equity | $6,913,400 | 5,886 |
| Average total loans | $36,042,600 | 5,866 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5003% | 1,246 |
| Cost of funding earning assets | 1.9158% | 169 |
| Net interest margin | 3.5844% | 4,833 |
| Noninterest income to average assets | 0.1807% | 6,299 |
| Noninterest expense to average assets | 1.4698% | 7,248 |
| Loan and lease loss provision to assets | 0.0732% | 5,536 |
| Net operating income to assets | 1.9524% | 376 |
| Return on assets (ROA) | 2.0509% | 335 |
| Pretax return on assets | 2.1387% | 478 |
| Return on Equity (ROE) | 16.3678% | 626 |
| Retained earnings to average equity (ytd only) | 10.5222% | 722 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0641% | 7,234 |
| Assets per employee ($millions) | 5.5909% | 1,511 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 6,354 |
| Loan loss allowance to noncurrent loans | 389.4737% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.7548% | 5,270 |
| Noncurrent loans to loans | 0.2517% | 6,368 |
| Net loans and leases to total assets | 66.8533% | 2,704 |
| Net loans and leases to deposits | 96.0774% | 692 |
| Net loans and leases to core deposits | 107.2634% | 801 |
| Total domestic deposits to total assets | 69.5827% | 7,057 |
| Equity capital to assets | 13.2895% | 1,469 |
| Core capital (leverage) ratio | 12.5414% | 1,418 |
| Tier 1 risk-based capital ratio | 16.9273% | 2,668 |
| Total risk-based capital ratio | 17.8204% | 2,787 |
| Memoranda: | ||
| Average total assets | $54,610,000 | 6,259 |
| Average earning assets | $51,778,000 | 6,180 |
| Average equity | $6,842,500 | 5,947 |
| Average total loans | $36,132,000 | 5,913 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4700% | 1,361 |
| Cost of funding earning assets | 1.9294% | 185 |
| Net interest margin | 3.5405% | 4,969 |
| Noninterest income to average assets | 0.2030% | 6,214 |
| Noninterest expense to average assets | 1.4877% | 7,318 |
| Loan and lease loss provision to assets | 0.0369% | 5,852 |
| Net operating income to assets | 1.9586% | 366 |
| Return on assets (ROA) | 2.0082% | 356 |
| Pretax return on assets | 2.0968% | 494 |
| Return on Equity (ROE) | 16.3691% | 624 |
| Retained earnings to average equity (ytd only) | 10.3510% | 776 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6753% | 7,308 |
| Assets per employee ($millions) | 5.5595% | 1,516 |
| Cash dividends to net income (ytd only)* | 36.7647% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 6,448 |
| Loan loss allowance to noncurrent loans | 1,029.4118% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 5,604 |
| Noncurrent loans to loans | 0.0942% | 6,743 |
| Net loans and leases to total assets | 64.2594% | 3,405 |
| Net loans and leases to deposits | 92.1531% | 1,042 |
| Net loans and leases to core deposits | 102.8857% | 1,122 |
| Total domestic deposits to total assets | 69.7311% | 7,129 |
| Equity capital to assets | 12.6936% | 1,681 |
| Core capital (leverage) ratio | 12.5340% | 1,342 |
| Tier 1 risk-based capital ratio | 17.0694% | 2,491 |
| Total risk-based capital ratio | 17.9458% | 2,611 |
| Memoranda: | ||
| Average total assets | $54,177,000 | 6,325 |
| Average earning assets | $51,517,670 | 6,236 |
| Average equity | $6,646,670 | 6,036 |
| Average total loans | $35,593,670 | 5,985 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5039% | 1,285 |
| Cost of funding earning assets | 1.9444% | 211 |
| Net interest margin | 3.5595% | 4,770 |
| Noninterest income to average assets | 0.1421% | 6,703 |
| Noninterest expense to average assets | 1.5112% | 7,354 |
| Loan and lease loss provision to assets | 0.0524% | 5,344 |
| Net operating income to assets | 1.8888% | 412 |
| Return on assets (ROA) | 1.9750% | 376 |
| Pretax return on assets | 2.0648% | 498 |
| Return on Equity (ROE) | 16.3937% | 641 |
| Retained earnings to average equity (ytd only) | 16.3937% | 306 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7061% | 7,329 |
| Assets per employee ($millions) | 5.4058% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 6,464 |
| Loan loss allowance to noncurrent loans | 1,020.5882% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.5254% | 5,927 |
| Noncurrent loans to loans | 0.0960% | 6,805 |
| Net loans and leases to total assets | 64.8729% | 3,267 |
| Net loans and leases to deposits | 93.5198% | 871 |
| Net loans and leases to core deposits | 104.6305% | 1,020 |
| Total domestic deposits to total assets | 69.3681% | 7,210 |
| Equity capital to assets | 12.3201% | 1,728 |
| Core capital (leverage) ratio | 12.4917% | 1,327 |
| Tier 1 risk-based capital ratio | 16.9847% | 2,482 |
| Total risk-based capital ratio | 17.8596% | 2,596 |
| Memoranda: | ||
| Average total assets | $53,468,000 | 6,395 |
| Average earning assets | $51,018,500 | 6,305 |
| Average equity | $6,441,500 | 6,110 |
| Average total loans | $35,353,000 | 6,061 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7124% | 1,527 |
| Cost of funding earning assets | 2.0987% | 433 |
| Net interest margin | 3.6137% | 4,751 |
| Noninterest income to average assets | -0.0336% | 7,341 |
| Noninterest expense to average assets | 1.5402% | 7,429 |
| Loan and lease loss provision to assets | 0.1087% | 6,062 |
| Net operating income to assets | 1.6452% | 575 |
| Return on assets (ROA) | 1.6865% | 572 |
| Pretax return on assets | 1.7755% | 806 |
| Return on Equity (ROE) | 13.4896% | 983 |
| Retained earnings to average equity (ytd only) | 7.1639% | 1,258 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5556% | 7,371 |
| Assets per employee ($millions) | 5.2878% | 1,765 |
| Cash dividends to net income (ytd only)* | 46.8933% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 6,519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 6,076 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 66.0955% | 3,452 |
| Net loans and leases to deposits | 95.2628% | 926 |
| Net loans and leases to core deposits | 99.5358% | 1,656 |
| Total domestic deposits to total assets | 69.3824% | 7,267 |
| Equity capital to assets | 11.7686% | 2,062 |
| Core capital (leverage) ratio | 12.1269% | 1,468 |
| Tier 1 risk-based capital ratio | 16.3567% | 2,591 |
| Total risk-based capital ratio | 17.2158% | 2,722 |
| Memoranda: | ||
| Average total assets | $50,577,600 | 6,509 |
| Average earning assets | $47,790,800 | 6,444 |
| Average equity | $6,323,400 | 6,264 |
| Average total loans | $33,930,800 | 6,209 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6982% | 1,720 |
| Cost of funding earning assets | 2.1397% | 466 |
| Net interest margin | 3.5586% | 5,066 |
| Noninterest income to average assets | -0.0747% | 7,522 |
| Noninterest expense to average assets | 1.5492% | 7,526 |
| Loan and lease loss provision to assets | 0.1467% | 5,573 |
| Net operating income to assets | 1.5195% | 883 |
| Return on assets (ROA) | 1.5732% | 857 |
| Pretax return on assets | 1.6426% | 1,233 |
| Return on Equity (ROE) | 12.3911% | 1,406 |
| Retained earnings to average equity (ytd only) | 7.1406% | 1,780 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1974% | 7,317 |
| Assets per employee ($millions) | 5.2126% | 1,923 |
| Cash dividends to net income (ytd only)* | 42.3734% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 6,530 |
| Loan loss allowance to noncurrent loans | 34,000.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 6,151 |
| Noncurrent loans to loans | 0.0028% | 7,268 |
| Net loans and leases to total assets | 66.7939% | 3,511 |
| Net loans and leases to deposits | 98.2338% | 781 |
| Net loans and leases to core deposits | 107.8093% | 1,178 |
| Total domestic deposits to total assets | 67.9949% | 7,382 |
| Equity capital to assets | 12.7307% | 1,729 |
| Core capital (leverage) ratio | 12.3072% | 1,505 |
| Tier 1 risk-based capital ratio | 16.4345% | 2,584 |
| Total risk-based capital ratio | 17.3131% | 2,683 |
| Memoranda: | ||
| Average total assets | $50,002,500 | 6,610 |
| Average earning assets | $47,171,250 | 6,551 |
| Average equity | $6,348,500 | 6,334 |
| Average total loans | $33,591,000 | 6,311 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6644% | 1,892 |
| Cost of funding earning assets | 2.1624% | 522 |
| Net interest margin | 3.5020% | 5,236 |
| Noninterest income to average assets | 0.1745% | 6,656 |
| Noninterest expense to average assets | 1.5742% | 7,580 |
| Loan and lease loss provision to assets | 0.1623% | 5,267 |
| Net operating income to assets | 1.6704% | 616 |
| Return on assets (ROA) | 1.7406% | 592 |
| Pretax return on assets | 1.8095% | 873 |
| Return on Equity (ROE) | 13.7221% | 1,092 |
| Retained earnings to average equity (ytd only) | 8.9242% | 1,127 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3271% | 7,466 |
| Assets per employee ($millions) | 5.1603% | 1,974 |
| Cash dividends to net income (ytd only)* | 34.9650% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 6,594 |
| Loan loss allowance to noncurrent loans | 32,500.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 5,716 |
| Noncurrent loans to loans | 0.0029% | 7,337 |
| Net loans and leases to total assets | 65.5505% | 3,930 |
| Net loans and leases to deposits | 95.4108% | 1,099 |
| Net loans and leases to core deposits | 106.3076% | 1,412 |
| Total domestic deposits to total assets | 68.7034% | 7,400 |
| Equity capital to assets | 12.4799% | 1,812 |
| Core capital (leverage) ratio | 12.5666% | 1,382 |
| Tier 1 risk-based capital ratio | 17.1000% | 2,239 |
| Total risk-based capital ratio | 17.9822% | 2,337 |
| Memoranda: | ||
| Average total assets | $49,294,670 | 6,677 |
| Average earning assets | $46,430,330 | 6,615 |
| Average equity | $6,252,670 | 6,391 |
| Average total loans | $33,069,000 | 6,380 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6566% | 1,932 |
| Cost of funding earning assets | 2.1817% | 630 |
| Net interest margin | 3.4749% | 5,266 |
| Noninterest income to average assets | 0.1579% | 6,839 |
| Noninterest expense to average assets | 1.6036% | 7,655 |
| Loan and lease loss provision to assets | 0.2493% | 4,053 |
| Net operating income to assets | 1.5232% | 864 |
| Return on assets (ROA) | 1.5870% | 827 |
| Pretax return on assets | 1.6535% | 1,154 |
| Return on Equity (ROE) | 12.4046% | 1,388 |
| Retained earnings to average equity (ytd only) | 12.4046% | 695 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6184% | 7,517 |
| Assets per employee ($millions) | 4.9035% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 6,644 |
| Loan loss allowance to noncurrent loans | 543.1034% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.8769% | 5,406 |
| Noncurrent loans to loans | 0.1767% | 6,984 |
| Net loans and leases to total assets | 66.2996% | 3,787 |
| Net loans and leases to deposits | 96.9175% | 1,007 |
| Net loans and leases to core deposits | 105.8268% | 1,591 |
| Total domestic deposits to total assets | 68.4083% | 7,507 |
| Equity capital to assets | 12.7562% | 1,620 |
| Core capital (leverage) ratio | 13.0607% | 1,193 |
| Tier 1 risk-based capital ratio | 17.9002% | 1,968 |
| Total risk-based capital ratio | 18.8080% | 2,033 |
| Memoranda: | ||
| Average total assets | $48,140,500 | 6,797 |
| Average earning assets | $45,469,000 | 6,729 |
| Average equity | $6,159,000 | 6,468 |
| Average total loans | $32,528,000 | 6,484 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8409% | 2,482 |
| Cost of funding earning assets | 2.4404% | 1,186 |
| Net interest margin | 3.4004% | 5,363 |
| Noninterest income to average assets | 0.1597% | 6,930 |
| Noninterest expense to average assets | 1.7177% | 7,683 |
| Loan and lease loss provision to assets | 0.1619% | 6,069 |
| Net operating income to assets | 1.4228% | 813 |
| Return on assets (ROA) | 1.4332% | 853 |
| Pretax return on assets | 1.5076% | 1,171 |
| Return on Equity (ROE) | 10.9671% | 1,434 |
| Retained earnings to average equity (ytd only) | 2.5953% | 3,327 |
| Net charge-offs to loans | 0.0829% | 6,281 |
| Credit loss provision to net charge-offs | 284.6154% | 1,182 |
| Earnings coverage of net charge-offs (x) | 29.1538% | 785 |
| Efficiency ratio | 50.8749% | 7,482 |
| Assets per employee ($millions) | 4.7246% | 2,581 |
| Cash dividends to net income (ytd only)* | 76.3359% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 6,878 |
| Loan loss allowance to noncurrent loans | 92.2330% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.9165% | 5,260 |
| Noncurrent loans to loans | 0.9587% | 5,395 |
| Net loans and leases to total assets | 67.6163% | 3,795 |
| Net loans and leases to deposits | 100.4560% | 866 |
| Net loans and leases to core deposits | 127.2445% | 1,432 |
| Total domestic deposits to total assets | 67.3094% | 7,589 |
| Equity capital to assets | 12.8328% | 1,578 |
| Core capital (leverage) ratio | 12.8279% | 1,303 |
| Tier 1 risk-based capital ratio | 17.5087% | 2,022 |
| Total risk-based capital ratio | 18.3376% | 2,090 |
| Memoranda: | ||
| Average total assets | $45,701,200 | 6,884 |
| Average earning assets | $43,229,800 | 6,803 |
| Average equity | $5,972,400 | 6,612 |
| Average total loans | $31,365,800 | 6,562 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8447% | 2,685 |
| Cost of funding earning assets | 2.4796% | 1,365 |
| Net interest margin | 3.3651% | 5,391 |
| Noninterest income to average assets | 0.1589% | 7,060 |
| Noninterest expense to average assets | 1.6830% | 7,776 |
| Loan and lease loss provision to assets | 0.0765% | 6,601 |
| Net operating income to assets | 1.5188% | 783 |
| Return on assets (ROA) | 1.5329% | 809 |
| Pretax return on assets | 1.6006% | 1,173 |
| Return on Equity (ROE) | 11.6753% | 1,447 |
| Retained earnings to average equity (ytd only) | 5.5127% | 2,195 |
| Net charge-offs to loans | 0.0043% | 6,920 |
| Credit loss provision to net charge-offs | 2,600.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 566.3985% | 57 |
| Efficiency ratio | 50.3078% | 7,533 |
| Assets per employee ($millions) | 4.7035% | 2,554 |
| Cash dividends to net income (ytd only)* | 52.7834% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8199% | 7,058 |
| Loan loss allowance to noncurrent loans | 78.6787% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.0078% | 5,062 |
| Noncurrent loans to loans | 1.0421% | 5,231 |
| Net loans and leases to total assets | 67.3796% | 4,097 |
| Net loans and leases to deposits | 99.5008% | 1,156 |
| Net loans and leases to core deposits | 126.7781% | 1,680 |
| Total domestic deposits to total assets | 67.7177% | 7,601 |
| Equity capital to assets | 13.1944% | 1,624 |
| Core capital (leverage) ratio | 13.4249% | 1,253 |
| Tier 1 risk-based capital ratio | 18.2309% | 1,928 |
| Total risk-based capital ratio | 19.0125% | 2,002 |
| Memoranda: | ||
| Average total assets | $45,315,000 | 6,949 |
| Average earning assets | $42,909,500 | 6,871 |
| Average equity | $5,949,750 | 6,680 |
| Average total loans | $31,149,500 | 6,619 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9099% | 2,544 |
| Cost of funding earning assets | 2.5328% | 1,498 |
| Net interest margin | 3.3771% | 5,263 |
| Noninterest income to average assets | 0.1654% | 7,098 |
| Noninterest expense to average assets | 1.7165% | 7,816 |
| Loan and lease loss provision to assets | 0.0671% | 6,536 |
| Net operating income to assets | 1.5163% | 809 |
| Return on assets (ROA) | 1.5377% | 827 |
| Pretax return on assets | 1.6048% | 1,192 |
| Return on Equity (ROE) | 11.7319% | 1,502 |
| Retained earnings to average equity (ytd only) | 2.3532% | 4,029 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9960% | 7,596 |
| Assets per employee ($millions) | 4.5616% | 2,676 |
| Cash dividends to net income (ytd only)* | 79.9419% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8161% | 7,101 |
| Loan loss allowance to noncurrent loans | 75.4491% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.0610% | 4,848 |
| Noncurrent loans to loans | 1.0817% | 5,036 |
| Net loans and leases to total assets | 67.1387% | 4,333 |
| Net loans and leases to deposits | 99.2964% | 1,356 |
| Net loans and leases to core deposits | 126.8420% | 1,793 |
| Total domestic deposits to total assets | 67.6144% | 7,646 |
| Equity capital to assets | 12.8003% | 1,788 |
| Core capital (leverage) ratio | 13.0557% | 1,411 |
| Tier 1 risk-based capital ratio | 18.3298% | 1,925 |
| Total risk-based capital ratio | 19.1081% | 1,998 |
| Memoranda: | ||
| Average total assets | $44,741,670 | 7,028 |
| Average earning assets | $42,403,670 | 6,953 |
| Average equity | $5,864,330 | 6,774 |
| Average total loans | $30,881,330 | 6,679 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0691% | 2,081 |
| Cost of funding earning assets | 2.5574% | 1,714 |
| Net interest margin | 3.5117% | 4,680 |
| Noninterest income to average assets | 0.1445% | 7,261 |
| Noninterest expense to average assets | 1.6432% | 7,873 |
| Loan and lease loss provision to assets | 0.0542% | 6,287 |
| Net operating income to assets | 1.6992% | 646 |
| Return on assets (ROA) | 1.7425% | 646 |
| Pretax return on assets | 1.8147% | 949 |
| Return on Equity (ROE) | 13.1360% | 1,356 |
| Retained earnings to average equity (ytd only) | 6.3298% | 2,482 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3958% | 7,764 |
| Assets per employee ($millions) | 4.4799% | 2,756 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7948% | 7,176 |
| Loan loss allowance to noncurrent loans | 70.6395% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 1.1027% | 4,481 |
| Noncurrent loans to loans | 1.1252% | 4,733 |
| Net loans and leases to total assets | 67.7002% | 4,206 |
| Net loans and leases to deposits | 101.7888% | 1,201 |
| Net loans and leases to core deposits | 130.3968% | 1,634 |
| Total domestic deposits to total assets | 66.5104% | 7,702 |
| Equity capital to assets | 13.2324% | 1,640 |
| Core capital (leverage) ratio | 13.5397% | 1,314 |
| Tier 1 risk-based capital ratio | 18.4538% | 1,947 |
| Total risk-based capital ratio | 19.2065% | 2,012 |
| Memoranda: | ||
| Average total assets | $44,304,500 | 7,092 |
| Average earning assets | $41,917,500 | 7,025 |
| Average equity | $5,877,000 | 6,821 |
| Average total loans | $30,883,000 | 6,711 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3685% | 3,585 |
| Cost of funding earning assets | 2.9691% | 1,990 |
| Net interest margin | 3.3995% | 5,667 |
| Noninterest income to average assets | 0.2765% | 6,482 |
| Noninterest expense to average assets | 1.6154% | 7,951 |
| Loan and lease loss provision to assets | 0.1636% | 5,289 |
| Net operating income to assets | 1.6338% | 782 |
| Return on assets (ROA) | 1.6338% | 740 |
| Pretax return on assets | 1.7191% | 1,105 |
| Return on Equity (ROE) | 12.4325% | 1,465 |
| Retained earnings to average equity (ytd only) | 4.5416% | 2,296 |
| Net charge-offs to loans | 0.1983% | 4,211 |
| Credit loss provision to net charge-offs | 118.3333% | 4,549 |
| Earnings coverage of net charge-offs (x) | 13.6167% | 2,119 |
| Efficiency ratio | 46.1792% | 7,918 |
| Assets per employee ($millions) | 4.3810% | 2,827 |
| Cash dividends to net income (ytd only)* | 63.4697% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7598% | 7,248 |
| Loan loss allowance to noncurrent loans | 67.9083% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 1.1390% | 3,993 |
| Noncurrent loans to loans | 1.1188% | 4,311 |
| Net loans and leases to total assets | 70.6619% | 3,868 |
| Net loans and leases to deposits | 105.3102% | 1,191 |
| Net loans and leases to core deposits | 128.5003% | 1,964 |
| Total domestic deposits to total assets | 67.0988% | 7,564 |
| Equity capital to assets | 13.2983% | 1,670 |
| Core capital (leverage) ratio | 13.1281% | 1,510 |
| Tier 1 risk-based capital ratio | 18.1562% | 2,002 |
| Total risk-based capital ratio | 18.8899% | 2,077 |
| Memoranda: | ||
| Average total assets | $43,395,400 | 7,059 |
| Average earning assets | $41,124,000 | 6,987 |
| Average equity | $5,702,800 | 6,913 |
| Average total loans | $30,263,200 | 6,692 |