Home > Security State Bank of Aitkin > Performance and Condition Ratios
Security State Bank of Aitkin, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7834% | 3,452 |
| Cost of funding earning assets | 0.9149% | 4,095 |
| Net interest margin | 3.8685% | 1,403 |
| Noninterest income to average assets | 0.2200% | 3,583 |
| Noninterest expense to average assets | 2.7335% | 1,671 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.0221% | 1,978 |
| Return on assets (ROA) | 0.9917% | 2,079 |
| Pretax return on assets | 0.9917% | 2,553 |
| Return on Equity (ROE) | 18.5900% | 512 |
| Retained earnings to average equity (ytd only) | 5.6325% | 1,970 |
| Net charge-offs to loans | 0.1134% | 1,082 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 21.3269% | 1,787 |
| Efficiency ratio | 72.7853% | 1,689 |
| Assets per employee ($millions) | 4.7992% | 3,772 |
| Cash dividends to net income (ytd only)* | 69.7026% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3583% | 244 |
| Loan loss allowance to noncurrent loans | 18,366.6667% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.5318% | 1,345 |
| Noncurrent loans to loans | 0.0128% | 3,664 |
| Net loans and leases to total assets | 41.3400% | 3,965 |
| Net loans and leases to deposits | 44.1758% | 4,064 |
| Net loans and leases to core deposits | 46.8946% | 4,071 |
| Total domestic deposits to total assets | 93.5700% | 127 |
| Equity capital to assets | 5.0597% | 4,339 |
| Core capital (leverage) ratio | 12.5089% | 1,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $108,504,400 | 3,708 |
| Average earning assets | $99,133,600 | 3,709 |
| Average equity | $5,787,800 | 4,176 |
| Average total loans | $45,867,600 | 3,878 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6796% | 3,589 |
| Cost of funding earning assets | 0.8526% | 4,158 |
| Net interest margin | 3.8271% | 1,417 |
| Noninterest income to average assets | 0.2000% | 3,691 |
| Noninterest expense to average assets | 2.6423% | 1,841 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.0527% | 1,898 |
| Return on assets (ROA) | 1.0120% | 2,010 |
| Pretax return on assets | 1.0120% | 2,513 |
| Return on Equity (ROE) | 18.7300% | 514 |
| Retained earnings to average equity (ytd only) | 6.1658% | 2,031 |
| Net charge-offs to loans | 0.0175% | 2,031 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 142.1667% | 637 |
| Efficiency ratio | 71.5097% | 1,847 |
| Assets per employee ($millions) | 5.0516% | 3,616 |
| Cash dividends to net income (ytd only)* | 67.0732% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5335% | 214 |
| Loan loss allowance to noncurrent loans | 1,949.1525% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 1,082 |
| Noncurrent loans to loans | 0.1300% | 3,028 |
| Net loans and leases to total assets | 39.8100% | 4,034 |
| Net loans and leases to deposits | 43.2824% | 4,123 |
| Net loans and leases to core deposits | 45.8186% | 4,131 |
| Total domestic deposits to total assets | 91.9800% | 181 |
| Equity capital to assets | 6.5119% | 4,237 |
| Core capital (leverage) ratio | 13.0746% | 1,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $108,035,250 | 3,723 |
| Average earning assets | $98,523,500 | 3,724 |
| Average equity | $5,838,500 | 4,190 |
| Average total loans | $45,652,250 | 3,893 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6373% | 3,578 |
| Cost of funding earning assets | 0.8109% | 4,172 |
| Net interest margin | 3.8264% | 1,383 |
| Noninterest income to average assets | 0.2000% | 3,684 |
| Noninterest expense to average assets | 2.6523% | 1,802 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.0299% | 1,903 |
| Return on assets (ROA) | 0.9682% | 2,094 |
| Pretax return on assets | 0.9682% | 2,570 |
| Return on Equity (ROE) | 19.2800% | 498 |
| Retained earnings to average equity (ytd only) | 6.2543% | 1,912 |
| Net charge-offs to loans | -0.0044% | 3,773 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 72.0305% | 1,857 |
| Assets per employee ($millions) | 5.0019% | 3,614 |
| Cash dividends to net income (ytd only)* | 67.5676% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4547% | 238 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 1,047 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 43.7300% | 3,916 |
| Net loans and leases to deposits | 46.2846% | 4,056 |
| Net loans and leases to core deposits | 48.3619% | 4,085 |
| Total domestic deposits to total assets | 94.4900% | 63 |
| Equity capital to assets | 4.9277% | 4,379 |
| Core capital (leverage) ratio | 13.3333% | 981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $107,002,000 | 3,744 |
| Average earning assets | $97,427,667 | 3,747 |
| Average equity | $5,372,333 | 4,242 |
| Average total loans | $45,739,000 | 3,907 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5400% | 3,615 |
| Cost of funding earning assets | 0.7465% | 4,214 |
| Net interest margin | 3.7935% | 1,382 |
| Noninterest income to average assets | 0.1700% | 3,835 |
| Noninterest expense to average assets | 2.4633% | 2,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.1557% | 1,534 |
| Return on assets (ROA) | 1.1557% | 1,546 |
| Pretax return on assets | 1.1557% | 1,995 |
| Return on Equity (ROE) | 22.8100% | 297 |
| Retained earnings to average equity (ytd only) | 11.8454% | 765 |
| Net charge-offs to loans | -0.0089% | 3,889 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 68.0655% | 2,367 |
| Assets per employee ($millions) | 5.5355% | 3,229 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5423% | 183 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.6475% | 986 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 42.1300% | 3,958 |
| Net loans and leases to deposits | 45.2005% | 4,057 |
| Net loans and leases to core deposits | 46.3037% | 4,153 |
| Total domestic deposits to total assets | 93.2200% | 169 |
| Equity capital to assets | 4.9993% | 4,375 |
| Core capital (leverage) ratio | 13.0435% | 1,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $107,983,500 | 3,755 |
| Average earning assets | $98,062,500 | 3,766 |
| Average equity | $5,470,500 | 4,254 |
| Average total loans | $45,062,000 | 3,934 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2924% | 3,451 |
| Cost of funding earning assets | 0.6418% | 4,010 |
| Net interest margin | 3.6506% | 1,859 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.6813% | 1,790 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8031% | 2,866 |
| Return on assets (ROA) | 0.6447% | 3,301 |
| Pretax return on assets | 0.6447% | 3,547 |
| Return on Equity (ROE) | 17.3400% | 908 |
| Retained earnings to average equity (ytd only) | 4.4100% | 2,828 |
| Net charge-offs to loans | -0.0155% | 4,093 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.9514% | 1,167 |
| Assets per employee ($millions) | 5.2758% | 3,413 |
| Cash dividends to net income (ytd only)* | 74.5739% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5844% | 176 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 889 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 39.2600% | 4,064 |
| Net loans and leases to deposits | 41.6290% | 4,157 |
| Net loans and leases to core deposits | 43.0006% | 4,222 |
| Total domestic deposits to total assets | 94.3100% | 92 |
| Equity capital to assets | 5.1294% | 4,392 |
| Core capital (leverage) ratio | 12.7334% | 1,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $109,199,400 | 3,748 |
| Average earning assets | $99,244,600 | 3,750 |
| Average equity | $4,059,000 | 4,352 |
| Average total loans | $45,134,800 | 3,912 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1976% | 3,469 |
| Cost of funding earning assets | 0.6016% | 3,967 |
| Net interest margin | 3.5960% | 2,018 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 2.6984% | 1,664 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7291% | 3,234 |
| Return on assets (ROA) | 0.5171% | 3,717 |
| Pretax return on assets | 0.5171% | 3,877 |
| Return on Equity (ROE) | 15.4000% | 1,372 |
| Retained earnings to average equity (ytd only) | 1.7154% | 3,792 |
| Net charge-offs to loans | -0.0177% | 4,095 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.7272% | 953 |
| Assets per employee ($millions) | 4.8655% | 3,698 |
| Cash dividends to net income (ytd only)* | 88.8626% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6075% | 175 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.6362% | 912 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 40.2300% | 4,048 |
| Net loans and leases to deposits | 41.4998% | 4,171 |
| Net loans and leases to core deposits | 42.8590% | 4,197 |
| Total domestic deposits to total assets | 96.9500% | 52 |
| Equity capital to assets | 2.3701% | 4,525 |
| Core capital (leverage) ratio | 12.6630% | 1,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $108,801,250 | 3,768 |
| Average earning assets | $98,846,750 | 3,771 |
| Average equity | $3,653,000 | 4,394 |
| Average total loans | $45,255,250 | 3,918 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0623% | 3,563 |
| Cost of funding earning assets | 0.5654% | 3,842 |
| Net interest margin | 3.4969% | 2,276 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.7334% | 1,570 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6271% | 3,512 |
| Return on assets (ROA) | 0.3108% | 4,164 |
| Pretax return on assets | 0.3108% | 4,218 |
| Return on Equity (ROE) | 8.4500% | 3,124 |
| Retained earnings to average equity (ytd only) | -2.7329% | 4,333 |
| Net charge-offs to loans | -0.0132% | 4,004 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.3384% | 758 |
| Assets per employee ($millions) | 4.8294% | 3,733 |
| Cash dividends to net income (ytd only)* | 132.3529% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5548% | 202 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.6645% | 796 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 41.2800% | 3,992 |
| Net loans and leases to deposits | 43.1867% | 4,130 |
| Net loans and leases to core deposits | 44.3253% | 4,162 |
| Total domestic deposits to total assets | 95.5900% | 69 |
| Equity capital to assets | 3.7949% | 4,520 |
| Core capital (leverage) ratio | 12.6972% | 1,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $109,388,000 | 3,780 |
| Average earning assets | $99,401,000 | 3,781 |
| Average equity | $4,025,000 | 4,391 |
| Average total loans | $45,600,667 | 3,927 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0283% | 3,398 |
| Cost of funding earning assets | 0.4912% | 3,720 |
| Net interest margin | 3.5371% | 2,270 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.5127% | 2,212 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8652% | 2,975 |
| Return on assets (ROA) | 0.6958% | 3,430 |
| Pretax return on assets | 0.6958% | 3,674 |
| Return on Equity (ROE) | 19.2000% | 853 |
| Retained earnings to average equity (ytd only) | 4.2770% | 3,189 |
| Net charge-offs to loans | -0.0261% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.3863% | 1,300 |
| Assets per employee ($millions) | 4.7211% | 3,868 |
| Cash dividends to net income (ytd only)* | 77.7202% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5264% | 216 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 768 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 40.8200% | 4,011 |
| Net loans and leases to deposits | 43.0614% | 4,129 |
| Net loans and leases to core deposits | 44.0455% | 4,168 |
| Total domestic deposits to total assets | 94.8100% | 108 |
| Equity capital to assets | 3.9443% | 4,547 |
| Core capital (leverage) ratio | 12.4269% | 1,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $110,958,500 | 3,815 |
| Average earning assets | $100,986,500 | 3,814 |
| Average equity | $4,021,500 | 4,451 |
| Average total loans | $45,894,500 | 3,960 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5063% | 3,057 |
| Cost of funding earning assets | 0.1707% | 3,994 |
| Net interest margin | 3.3356% | 2,467 |
| Noninterest income to average assets | -0.0700% | 4,698 |
| Noninterest expense to average assets | 2.2665% | 2,843 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.6112% | 3,858 |
| Return on assets (ROA) | 0.6112% | 3,805 |
| Pretax return on assets | 0.6112% | 4,010 |
| Return on Equity (ROE) | 10.8700% | 2,523 |
| Retained earnings to average equity (ytd only) | 1.8984% | 3,999 |
| Net charge-offs to loans | -0.1174% | 4,552 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.4172% | 969 |
| Assets per employee ($millions) | 4.7221% | 3,876 |
| Cash dividends to net income (ytd only)* | 82.5309% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4768% | 216 |
| Loan loss allowance to noncurrent loans | 348.6322% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.9133% | 485 |
| Noncurrent loans to loans | 0.7104% | 1,057 |
| Net loans and leases to total assets | 39.8500% | 4,073 |
| Net loans and leases to deposits | 41.9984% | 4,175 |
| Net loans and leases to core deposits | 41.9984% | 4,231 |
| Total domestic deposits to total assets | 94.8900% | 152 |
| Equity capital to assets | 3.3177% | 4,579 |
| Core capital (leverage) ratio | 11.8909% | 1,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $118,950,800 | 3,740 |
| Average earning assets | $108,375,400 | 3,739 |
| Average equity | $6,689,800 | 4,249 |
| Average total loans | $45,997,200 | 3,961 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3954% | 2,932 |
| Cost of funding earning assets | 0.1350% | 3,989 |
| Net interest margin | 3.2604% | 2,426 |
| Noninterest income to average assets | -0.0400% | 4,728 |
| Noninterest expense to average assets | 2.2355% | 2,835 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.5794% | 3,887 |
| Return on assets (ROA) | 0.5794% | 3,840 |
| Pretax return on assets | 0.5794% | 4,025 |
| Return on Equity (ROE) | 9.3900% | 2,913 |
| Retained earnings to average equity (ytd only) | 1.3113% | 4,171 |
| Net charge-offs to loans | -0.1510% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.2661% | 1,052 |
| Assets per employee ($millions) | 5.2783% | 3,439 |
| Cash dividends to net income (ytd only)* | 86.0421% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5230% | 228 |
| Loan loss allowance to noncurrent loans | 682.1429% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.8388% | 596 |
| Noncurrent loans to loans | 0.3699% | 1,914 |
| Net loans and leases to total assets | 38.1300% | 4,145 |
| Net loans and leases to deposits | 39.3442% | 4,258 |
| Net loans and leases to core deposits | 39.3442% | 4,299 |
| Total domestic deposits to total assets | 96.9100% | 84 |
| Equity capital to assets | 2.4543% | 4,637 |
| Core capital (leverage) ratio | 11.2991% | 1,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $120,355,750 | 3,749 |
| Average earning assets | $109,636,750 | 3,753 |
| Average equity | $7,422,250 | 4,200 |
| Average total loans | $45,919,000 | 3,989 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2719% | 2,827 |
| Cost of funding earning assets | 0.1262% | 3,892 |
| Net interest margin | 3.1457% | 2,382 |
| Noninterest income to average assets | -0.1478% | 4,759 |
| Noninterest expense to average assets | 2.2091% | 2,820 |
| Loan and lease loss provision to assets | 0.1725% | 517 |
| Net operating income to assets | 0.3367% | 4,222 |
| Return on assets (ROA) | 0.3367% | 4,179 |
| Pretax return on assets | 0.3367% | 4,245 |
| Return on Equity (ROE) | 4.5829% | 3,893 |
| Retained earnings to average equity (ytd only) | -2.1238% | 4,393 |
| Net charge-offs to loans | -0.0998% | 4,443 |
| Credit loss provision to net charge-offs | -456.5217% | 3,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2689% | 852 |
| Assets per employee ($millions) | 5.3619% | 3,377 |
| Cash dividends to net income (ytd only)* | 146.3415% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5040% | 260 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6833% | 799 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 36.8356% | 4,214 |
| Net loans and leases to deposits | 38.9826% | 4,301 |
| Net loans and leases to core deposits | 38.9826% | 4,352 |
| Total domestic deposits to total assets | 94.4923% | 200 |
| Equity capital to assets | 4.9219% | 4,492 |
| Core capital (leverage) ratio | 11.2007% | 1,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,767,000 | 3,784 |
| Average earning assets | $110,945,333 | 3,794 |
| Average equity | $8,946,333 | 4,109 |
| Average total loans | $46,084,667 | 4,025 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1609% | 2,796 |
| Cost of funding earning assets | 0.1239% | 3,851 |
| Net interest margin | 3.0370% | 2,374 |
| Noninterest income to average assets | -0.4787% | 4,791 |
| Noninterest expense to average assets | 2.1703% | 2,919 |
| Loan and lease loss provision to assets | 0.1714% | 451 |
| Net operating income to assets | -0.0453% | 4,566 |
| Return on assets (ROA) | -0.0453% | 4,547 |
| Pretax return on assets | -0.0453% | 4,543 |
| Return on Equity (ROE) | -0.5325% | 4,559 |
| Retained earnings to average equity (ytd only) | -6.2378% | 4,464 |
| Net charge-offs to loans | -0.1025% | 4,460 |
| Credit loss provision to net charge-offs | -441.6667% | 3,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5070% | 374 |
| Assets per employee ($millions) | 5.7096% | 3,107 |
| Cash dividends to net income (ytd only)* | -1,071.4286% | 4,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2779% | 386 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6722% | 863 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 37.6761% | 4,132 |
| Net loans and leases to deposits | 40.7564% | 4,224 |
| Net loans and leases to core deposits | 40.7564% | 4,288 |
| Total domestic deposits to total assets | 92.4421% | 422 |
| Equity capital to assets | 6.9808% | 4,228 |
| Core capital (leverage) ratio | 10.6539% | 1,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,669,500 | 3,785 |
| Average earning assets | $113,005,500 | 3,794 |
| Average equity | $10,516,500 | 4,004 |
| Average total loans | $46,843,000 | 4,025 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2340% | 3,391 |
| Cost of funding earning assets | 0.1527% | 3,942 |
| Net interest margin | 3.0813% | 2,963 |
| Noninterest income to average assets | 0.2333% | 3,984 |
| Noninterest expense to average assets | 2.1930% | 3,111 |
| Loan and lease loss provision to assets | 0.1713% | 677 |
| Net operating income to assets | 0.7171% | 3,582 |
| Return on assets (ROA) | 0.7171% | 3,639 |
| Pretax return on assets | 0.7171% | 3,895 |
| Return on Equity (ROE) | 6.8005% | 3,566 |
| Retained earnings to average equity (ytd only) | 0.9980% | 4,260 |
| Net charge-offs to loans | 1.2798% | 47 |
| Credit loss provision to net charge-offs | 31.6742% | 2,229 |
| Earnings coverage of net charge-offs (x) | 1.6425% | 2,606 |
| Efficiency ratio | 71.1676% | 1,595 |
| Assets per employee ($millions) | 5.7926% | 2,961 |
| Cash dividends to net income (ytd only)* | 85.3242% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0839% | 534 |
| Loan loss allowance to noncurrent loans | 77.9968% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.8841% | 178 |
| Noncurrent loans to loans | 2.6718% | 248 |
| Net loans and leases to total assets | 36.4648% | 4,264 |
| Net loans and leases to deposits | 40.7199% | 4,319 |
| Net loans and leases to core deposits | 40.8617% | 4,375 |
| Total domestic deposits to total assets | 89.5502% | 1,208 |
| Equity capital to assets | 9.9366% | 2,715 |
| Core capital (leverage) ratio | 10.6570% | 1,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,570,400 | 3,773 |
| Average earning assets | $113,296,000 | 3,775 |
| Average equity | $12,925,600 | 3,840 |
| Average total loans | $51,803,600 | 3,964 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3040% | 3,379 |
| Cost of funding earning assets | 0.1592% | 4,020 |
| Net interest margin | 3.1448% | 2,918 |
| Noninterest income to average assets | 0.2516% | 3,886 |
| Noninterest expense to average assets | 2.2128% | 3,031 |
| Loan and lease loss provision to assets | 0.1722% | 626 |
| Net operating income to assets | 0.7746% | 3,588 |
| Return on assets (ROA) | 0.7746% | 3,653 |
| Pretax return on assets | 0.7746% | 3,939 |
| Return on Equity (ROE) | 7.2355% | 3,605 |
| Retained earnings to average equity (ytd only) | 1.0776% | 4,405 |
| Net charge-offs to loans | 1.6184% | 36 |
| Credit loss provision to net charge-offs | 24.4548% | 1,976 |
| Earnings coverage of net charge-offs (x) | 1.3427% | 2,381 |
| Efficiency ratio | 70.0278% | 1,595 |
| Assets per employee ($millions) | 6.3856% | 2,347 |
| Cash dividends to net income (ytd only)* | 85.1064% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9529% | 692 |
| Loan loss allowance to noncurrent loans | 75.0392% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.7124% | 257 |
| Noncurrent loans to loans | 2.6025% | 276 |
| Net loans and leases to total assets | 37.5822% | 4,319 |
| Net loans and leases to deposits | 42.0945% | 4,377 |
| Net loans and leases to core deposits | 42.2401% | 4,441 |
| Total domestic deposits to total assets | 89.2806% | 1,130 |
| Equity capital to assets | 10.1126% | 2,794 |
| Core capital (leverage) ratio | 10.6515% | 1,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,353,500 | 3,829 |
| Average earning assets | $112,224,750 | 3,828 |
| Average equity | $12,991,250 | 3,883 |
| Average total loans | $52,889,750 | 4,000 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4413% | 3,048 |
| Cost of funding earning assets | 0.1644% | 4,090 |
| Net interest margin | 3.2769% | 2,529 |
| Noninterest income to average assets | 0.2466% | 3,922 |
| Noninterest expense to average assets | 2.3450% | 2,629 |
| Loan and lease loss provision to assets | 0.1761% | 656 |
| Net operating income to assets | 0.7682% | 3,601 |
| Return on assets (ROA) | 0.7682% | 3,662 |
| Pretax return on assets | 0.7682% | 3,929 |
| Return on Equity (ROE) | 7.0371% | 3,649 |
| Retained earnings to average equity (ytd only) | 0.8912% | 4,366 |
| Net charge-offs to loans | 0.4022% | 210 |
| Credit loss provision to net charge-offs | 96.3303% | 1,408 |
| Earnings coverage of net charge-offs (x) | 5.1651% | 2,007 |
| Efficiency ratio | 71.2902% | 1,496 |
| Assets per employee ($millions) | 5.8327% | 2,782 |
| Cash dividends to net income (ytd only)* | 87.3362% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7407% | 200 |
| Loan loss allowance to noncurrent loans | 56.2647% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 2.0851% | 200 |
| Noncurrent loans to loans | 4.8712% | 89 |
| Net loans and leases to total assets | 41.6325% | 4,207 |
| Net loans and leases to deposits | 46.8389% | 4,275 |
| Net loans and leases to core deposits | 47.0073% | 4,367 |
| Total domestic deposits to total assets | 88.8844% | 1,338 |
| Equity capital to assets | 10.5155% | 2,383 |
| Core capital (leverage) ratio | 11.1541% | 1,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,234,000 | 3,866 |
| Average earning assets | $110,714,333 | 3,862 |
| Average equity | $13,016,667 | 3,894 |
| Average total loans | $54,202,000 | 4,002 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6222% | 2,573 |
| Cost of funding earning assets | 0.1686% | 4,174 |
| Net interest margin | 3.4536% | 1,953 |
| Noninterest income to average assets | 0.2891% | 3,679 |
| Noninterest expense to average assets | 2.2277% | 3,016 |
| Loan and lease loss provision to assets | 0.1803% | 686 |
| Net operating income to assets | 1.0850% | 2,525 |
| Return on assets (ROA) | 1.0850% | 2,600 |
| Pretax return on assets | 1.0850% | 3,147 |
| Return on Equity (ROE) | 9.7516% | 2,774 |
| Retained earnings to average equity (ytd only) | 3.6378% | 3,607 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7780% | 2,494 |
| Assets per employee ($millions) | 5.5518% | 3,067 |
| Cash dividends to net income (ytd only)* | 62.6959% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7459% | 196 |
| Loan loss allowance to noncurrent loans | 55.3783% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 2.3124% | 191 |
| Noncurrent loans to loans | 4.9585% | 83 |
| Net loans and leases to total assets | 45.3546% | 4,014 |
| Net loans and leases to deposits | 51.2766% | 4,086 |
| Net loans and leases to core deposits | 51.4703% | 4,219 |
| Total domestic deposits to total assets | 88.4508% | 1,632 |
| Equity capital to assets | 10.9248% | 1,922 |
| Core capital (leverage) ratio | 11.5678% | 1,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,608,000 | 3,887 |
| Average earning assets | $109,103,500 | 3,878 |
| Average equity | $13,085,000 | 3,896 |
| Average total loans | $55,087,500 | 4,006 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1539% | 2,269 |
| Cost of funding earning assets | 0.2470% | 4,393 |
| Net interest margin | 3.9068% | 1,196 |
| Noninterest income to average assets | 0.6490% | 2,032 |
| Noninterest expense to average assets | 2.2349% | 3,575 |
| Loan and lease loss provision to assets | 0.4159% | 727 |
| Net operating income to assets | 1.5978% | 643 |
| Return on assets (ROA) | 1.5978% | 698 |
| Pretax return on assets | 1.5978% | 1,078 |
| Return on Equity (ROE) | 13.2168% | 987 |
| Retained earnings to average equity (ytd only) | 4.5215% | 2,520 |
| Net charge-offs to loans | -0.0803% | 4,760 |
| Credit loss provision to net charge-offs | -947.9167% | 4,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6033% | 4,339 |
| Assets per employee ($millions) | 5.6490% | 2,687 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5823% | 233 |
| Loan loss allowance to noncurrent loans | 53.6885% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 2.2625% | 226 |
| Noncurrent loans to loans | 4.8097% | 99 |
| Net loans and leases to total assets | 45.8264% | 4,136 |
| Net loans and leases to deposits | 52.0220% | 4,216 |
| Net loans and leases to core deposits | 52.2149% | 4,329 |
| Total domestic deposits to total assets | 88.0905% | 1,431 |
| Equity capital to assets | 11.3236% | 2,006 |
| Core capital (leverage) ratio | 11.5986% | 1,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,400,600 | 3,885 |
| Average earning assets | $100,797,800 | 3,881 |
| Average equity | $13,225,600 | 3,841 |
| Average total loans | $59,808,400 | 3,925 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4575% | 1,683 |
| Cost of funding earning assets | 0.2613% | 4,466 |
| Net interest margin | 4.1962% | 740 |
| Noninterest income to average assets | 0.4519% | 2,841 |
| Noninterest expense to average assets | 2.2273% | 3,612 |
| Loan and lease loss provision to assets | 0.2904% | 1,395 |
| Net operating income to assets | 1.7928% | 457 |
| Return on assets (ROA) | 1.7928% | 514 |
| Pretax return on assets | 1.7928% | 790 |
| Return on Equity (ROE) | 14.5741% | 774 |
| Retained earnings to average equity (ytd only) | 6.9834% | 1,700 |
| Net charge-offs to loans | -0.1009% | 4,823 |
| Credit loss provision to net charge-offs | -506.5217% | 3,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6753% | 4,365 |
| Assets per employee ($millions) | 5.2233% | 2,990 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9485% | 539 |
| Loan loss allowance to noncurrent loans | 51.5241% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 2.0555% | 310 |
| Noncurrent loans to loans | 3.7818% | 186 |
| Net loans and leases to total assets | 53.2930% | 3,864 |
| Net loans and leases to deposits | 60.9626% | 3,996 |
| Net loans and leases to core deposits | 61.1959% | 4,149 |
| Total domestic deposits to total assets | 87.4191% | 1,483 |
| Equity capital to assets | 11.8691% | 1,757 |
| Core capital (leverage) ratio | 11.8117% | 1,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,093,750 | 3,907 |
| Average earning assets | $98,468,750 | 3,911 |
| Average equity | $13,173,750 | 3,851 |
| Average total loans | $60,809,500 | 3,921 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9106% | 956 |
| Cost of funding earning assets | 0.2838% | 4,525 |
| Net interest margin | 4.6268% | 398 |
| Noninterest income to average assets | 0.1818% | 4,370 |
| Noninterest expense to average assets | 2.3333% | 3,440 |
| Loan and lease loss provision to assets | 0.3445% | 1,236 |
| Net operating income to assets | 1.7476% | 560 |
| Return on assets (ROA) | 1.7476% | 613 |
| Pretax return on assets | 1.7476% | 899 |
| Return on Equity (ROE) | 14.0260% | 886 |
| Retained earnings to average equity (ytd only) | 6.3447% | 1,925 |
| Net charge-offs to loans | -0.0199% | 4,402 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7249% | 4,302 |
| Assets per employee ($millions) | 5.1834% | 2,958 |
| Cash dividends to net income (ytd only)* | 54.7645% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7746% | 697 |
| Loan loss allowance to noncurrent loans | 96.4807% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.0628% | 1,092 |
| Noncurrent loans to loans | 1.8393% | 760 |
| Net loans and leases to total assets | 54.5592% | 3,828 |
| Net loans and leases to deposits | 62.3038% | 3,993 |
| Net loans and leases to core deposits | 62.5425% | 4,155 |
| Total domestic deposits to total assets | 87.5695% | 1,393 |
| Equity capital to assets | 11.7483% | 1,805 |
| Core capital (leverage) ratio | 12.1590% | 1,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,487,667 | 3,931 |
| Average earning assets | $95,833,000 | 3,941 |
| Average equity | $13,018,667 | 3,870 |
| Average total loans | $60,260,333 | 3,942 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7768% | 1,482 |
| Cost of funding earning assets | 0.3202% | 4,597 |
| Net interest margin | 4.4566% | 556 |
| Noninterest income to average assets | 0.2246% | 4,209 |
| Noninterest expense to average assets | 2.5152% | 3,231 |
| Loan and lease loss provision to assets | 0.5135% | 572 |
| Net operating income to assets | 1.2716% | 1,323 |
| Return on assets (ROA) | 1.2716% | 1,421 |
| Pretax return on assets | 1.2716% | 1,962 |
| Return on Equity (ROE) | 9.8835% | 1,786 |
| Retained earnings to average equity (ytd only) | 2.0889% | 3,415 |
| Net charge-offs to loans | -0.0272% | 4,432 |
| Credit loss provision to net charge-offs | -3,200.0000% | 3,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4888% | 3,938 |
| Assets per employee ($millions) | 4.3344% | 3,492 |
| Cash dividends to net income (ytd only)* | 78.8644% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8362% | 674 |
| Loan loss allowance to noncurrent loans | 1,597.0149% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 3,907 |
| Noncurrent loans to loans | 0.1150% | 4,060 |
| Net loans and leases to total assets | 57.3783% | 3,720 |
| Net loans and leases to deposits | 66.5825% | 3,826 |
| Net loans and leases to core deposits | 67.1965% | 4,024 |
| Total domestic deposits to total assets | 86.1763% | 1,930 |
| Equity capital to assets | 13.0463% | 1,409 |
| Core capital (leverage) ratio | 12.7644% | 1,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0486% | 741 |
| Memoranda: | ||
| Average total assets | $99,714,500 | 4,000 |
| Average earning assets | $91,191,500 | 4,007 |
| Average equity | $12,829,500 | 3,895 |
| Average total loans | $58,720,500 | 3,977 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8356% | 1,936 |
| Cost of funding earning assets | 0.4019% | 4,436 |
| Net interest margin | 4.4337% | 834 |
| Noninterest income to average assets | 0.2785% | 4,017 |
| Noninterest expense to average assets | 2.5414% | 3,346 |
| Loan and lease loss provision to assets | 0.1322% | 1,616 |
| Net operating income to assets | 1.6609% | 723 |
| Return on assets (ROA) | 1.6609% | 771 |
| Pretax return on assets | 1.6609% | 1,303 |
| Return on Equity (ROE) | 13.4724% | 1,024 |
| Retained earnings to average equity (ytd only) | 5.3467% | 2,250 |
| Net charge-offs to loans | 0.1966% | 1,032 |
| Credit loss provision to net charge-offs | 114.7826% | 2,192 |
| Earnings coverage of net charge-offs (x) | 15.5652% | 2,223 |
| Efficiency ratio | 58.6318% | 3,891 |
| Assets per employee ($millions) | 4.1558% | 3,689 |
| Cash dividends to net income (ytd only)* | 60.3136% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 1,008 |
| Loan loss allowance to noncurrent loans | 561.6766% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 3,452 |
| Noncurrent loans to loans | 0.2822% | 3,433 |
| Net loans and leases to total assets | 58.3850% | 3,737 |
| Net loans and leases to deposits | 67.4989% | 3,864 |
| Net loans and leases to core deposits | 68.1156% | 4,076 |
| Total domestic deposits to total assets | 86.4976% | 1,850 |
| Equity capital to assets | 12.6862% | 1,716 |
| Core capital (leverage) ratio | 12.5887% | 1,435 |
| Tier 1 risk-based capital ratio | 19.0800% | 1,494 |
| Total risk-based capital ratio | 20.3308% | 1,471 |
| Memoranda: | ||
| Average total assets | $99,826,200 | 4,004 |
| Average earning assets | $91,323,200 | 4,026 |
| Average equity | $12,306,600 | 3,959 |
| Average total loans | $58,490,400 | 4,009 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8310% | 2,028 |
| Cost of funding earning assets | 0.4203% | 4,433 |
| Net interest margin | 4.4106% | 926 |
| Noninterest income to average assets | 0.2697% | 4,127 |
| Noninterest expense to average assets | 2.4997% | 3,438 |
| Loan and lease loss provision to assets | 0.1322% | 1,455 |
| Net operating income to assets | 1.6732% | 782 |
| Return on assets (ROA) | 1.6732% | 828 |
| Pretax return on assets | 1.6732% | 1,410 |
| Return on Equity (ROE) | 13.6712% | 1,060 |
| Retained earnings to average equity (ytd only) | 6.8520% | 1,930 |
| Net charge-offs to loans | 0.1303% | 1,219 |
| Credit loss provision to net charge-offs | 173.6842% | 1,471 |
| Earnings coverage of net charge-offs (x) | 23.7187% | 1,824 |
| Efficiency ratio | 58.0645% | 3,927 |
| Assets per employee ($millions) | 4.2363% | 3,565 |
| Cash dividends to net income (ytd only)* | 49.8803% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 1,023 |
| Loan loss allowance to noncurrent loans | 1,319.1781% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 4,357 |
| Noncurrent loans to loans | 0.1202% | 4,112 |
| Net loans and leases to total assets | 58.7979% | 3,797 |
| Net loans and leases to deposits | 67.9276% | 3,921 |
| Net loans and leases to core deposits | 68.5310% | 4,133 |
| Total domestic deposits to total assets | 86.5597% | 1,744 |
| Equity capital to assets | 12.4567% | 1,946 |
| Core capital (leverage) ratio | 12.4747% | 1,582 |
| Tier 1 risk-based capital ratio | 18.7185% | 1,634 |
| Total risk-based capital ratio | 19.9705% | 1,602 |
| Memoranda: | ||
| Average total assets | $99,848,250 | 4,046 |
| Average earning assets | $91,352,500 | 4,070 |
| Average equity | $12,220,000 | 4,004 |
| Average total loans | $58,320,500 | 4,059 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8007% | 2,057 |
| Cost of funding earning assets | 0.4256% | 4,411 |
| Net interest margin | 4.3751% | 986 |
| Noninterest income to average assets | 0.2620% | 4,186 |
| Noninterest expense to average assets | 2.5131% | 3,433 |
| Loan and lease loss provision to assets | 0.1330% | 1,402 |
| Net operating income to assets | 1.6143% | 873 |
| Return on assets (ROA) | 1.6143% | 919 |
| Pretax return on assets | 1.6143% | 1,504 |
| Return on Equity (ROE) | 13.2707% | 1,166 |
| Retained earnings to average equity (ytd only) | 7.0578% | 1,779 |
| Net charge-offs to loans | 0.0904% | 1,457 |
| Credit loss provision to net charge-offs | 253.8462% | 1,000 |
| Earnings coverage of net charge-offs (x) | 33.3462% | 1,380 |
| Efficiency ratio | 58.9877% | 3,865 |
| Assets per employee ($millions) | 4.3869% | 3,302 |
| Cash dividends to net income (ytd only)* | 46.8165% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6189% | 990 |
| Loan loss allowance to noncurrent loans | 696.3768% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 4,076 |
| Noncurrent loans to loans | 0.2325% | 3,712 |
| Net loans and leases to total assets | 57.8807% | 3,929 |
| Net loans and leases to deposits | 66.7471% | 4,042 |
| Net loans and leases to core deposits | 67.3404% | 4,243 |
| Total domestic deposits to total assets | 86.7164% | 1,721 |
| Equity capital to assets | 12.3886% | 1,917 |
| Core capital (leverage) ratio | 12.6517% | 1,459 |
| Tier 1 risk-based capital ratio | 18.9369% | 1,568 |
| Total risk-based capital ratio | 20.1892% | 1,535 |
| Memoranda: | ||
| Average total assets | $99,240,330 | 4,085 |
| Average earning assets | $90,695,000 | 4,103 |
| Average equity | $12,071,670 | 4,036 |
| Average total loans | $57,512,670 | 4,098 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7767% | 1,967 |
| Cost of funding earning assets | 0.4221% | 4,394 |
| Net interest margin | 4.3546% | 1,001 |
| Noninterest income to average assets | 0.2479% | 4,236 |
| Noninterest expense to average assets | 2.5363% | 3,400 |
| Loan and lease loss provision to assets | 0.1341% | 1,296 |
| Net operating income to assets | 1.5608% | 984 |
| Return on assets (ROA) | 1.5608% | 1,012 |
| Pretax return on assets | 1.5608% | 1,573 |
| Return on Equity (ROE) | 12.9538% | 1,234 |
| Retained earnings to average equity (ytd only) | 8.7371% | 1,407 |
| Net charge-offs to loans | 0.1131% | 1,056 |
| Credit loss provision to net charge-offs | 206.2500% | 1,033 |
| Earnings coverage of net charge-offs (x) | 26.0625% | 1,411 |
| Efficiency ratio | 59.9424% | 3,812 |
| Assets per employee ($millions) | 4.0693% | 3,822 |
| Cash dividends to net income (ytd only)* | 32.5521% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6365% | 998 |
| Loan loss allowance to noncurrent loans | 1,284.9315% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 4,442 |
| Noncurrent loans to loans | 0.1274% | 4,167 |
| Net loans and leases to total assets | 57.7287% | 3,919 |
| Net loans and leases to deposits | 66.6497% | 4,002 |
| Net loans and leases to core deposits | 67.2660% | 4,219 |
| Total domestic deposits to total assets | 86.6151% | 1,997 |
| Equity capital to assets | 12.4583% | 1,758 |
| Core capital (leverage) ratio | 12.5259% | 1,499 |
| Tier 1 risk-based capital ratio | 19.2948% | 1,483 |
| Total risk-based capital ratio | 20.5474% | 1,452 |
| Memoranda: | ||
| Average total assets | $98,411,000 | 4,130 |
| Average earning assets | $90,020,000 | 4,143 |
| Average equity | $11,857,500 | 4,076 |
| Average total loans | $56,588,000 | 4,153 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 2,379 |
| Cost of funding earning assets | 0.3217% | 4,455 |
| Net interest margin | 4.2053% | 1,378 |
| Noninterest income to average assets | 0.2761% | 4,256 |
| Noninterest expense to average assets | 2.5322% | 3,516 |
| Loan and lease loss provision to assets | 0.0920% | 2,311 |
| Net operating income to assets | 1.4890% | 1,149 |
| Return on assets (ROA) | 1.4890% | 1,136 |
| Pretax return on assets | 1.4890% | 1,815 |
| Return on Equity (ROE) | 12.8165% | 1,415 |
| Retained earnings to average equity (ytd only) | 4.0139% | 3,359 |
| Net charge-offs to loans | 0.0691% | 2,128 |
| Credit loss provision to net charge-offs | 236.8421% | 1,249 |
| Earnings coverage of net charge-offs (x) | 40.6842% | 1,286 |
| Efficiency ratio | 61.5614% | 3,609 |
| Assets per employee ($millions) | 4.3113% | 3,444 |
| Cash dividends to net income (ytd only)* | 68.6813% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6506% | 926 |
| Loan loss allowance to noncurrent loans | 156.8027% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.6434% | 2,113 |
| Noncurrent loans to loans | 1.0527% | 1,549 |
| Net loans and leases to total assets | 55.4024% | 4,171 |
| Net loans and leases to deposits | 63.3265% | 4,292 |
| Net loans and leases to core deposits | 63.8209% | 4,454 |
| Total domestic deposits to total assets | 87.4869% | 1,545 |
| Equity capital to assets | 11.6458% | 2,142 |
| Core capital (leverage) ratio | 12.2205% | 1,606 |
| Tier 1 risk-based capital ratio | 19.0098% | 1,518 |
| Total risk-based capital ratio | 20.2609% | 1,480 |
| Memoranda: | ||
| Average total assets | $97,781,800 | 4,137 |
| Average earning assets | $89,220,400 | 4,158 |
| Average equity | $11,360,400 | 4,107 |
| Average total loans | $54,983,000 | 4,210 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4905% | 2,338 |
| Cost of funding earning assets | 0.3076% | 4,467 |
| Net interest margin | 4.1830% | 1,407 |
| Noninterest income to average assets | 0.2832% | 4,259 |
| Noninterest expense to average assets | 2.5547% | 3,425 |
| Loan and lease loss provision to assets | 0.0930% | 2,118 |
| Net operating income to assets | 1.4505% | 1,324 |
| Return on assets (ROA) | 1.4505% | 1,327 |
| Pretax return on assets | 1.4505% | 2,059 |
| Return on Equity (ROE) | 12.4922% | 1,610 |
| Retained earnings to average equity (ytd only) | 8.0727% | 1,609 |
| Net charge-offs to loans | 0.0876% | 1,627 |
| Credit loss provision to net charge-offs | 188.8889% | 1,450 |
| Earnings coverage of net charge-offs (x) | 31.3325% | 1,570 |
| Efficiency ratio | 62.3372% | 3,453 |
| Assets per employee ($millions) | 4.2737% | 3,474 |
| Cash dividends to net income (ytd only)* | 35.3775% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6516% | 962 |
| Loan loss allowance to noncurrent loans | 1,085.5422% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 4,275 |
| Noncurrent loans to loans | 0.1521% | 4,204 |
| Net loans and leases to total assets | 54.5832% | 4,318 |
| Net loans and leases to deposits | 62.4834% | 4,425 |
| Net loans and leases to core deposits | 62.9740% | 4,576 |
| Total domestic deposits to total assets | 87.3563% | 1,571 |
| Equity capital to assets | 11.6996% | 2,104 |
| Core capital (leverage) ratio | 12.5510% | 1,471 |
| Tier 1 risk-based capital ratio | 19.8210% | 1,370 |
| Total risk-based capital ratio | 21.0721% | 1,340 |
| Memoranda: | ||
| Average total assets | $97,437,250 | 4,181 |
| Average earning assets | $88,866,000 | 4,205 |
| Average equity | $11,313,500 | 4,152 |
| Average total loans | $54,764,000 | 4,255 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3714% | 2,505 |
| Cost of funding earning assets | 0.2844% | 4,537 |
| Net interest margin | 4.0871% | 1,599 |
| Noninterest income to average assets | 0.2820% | 4,295 |
| Noninterest expense to average assets | 2.6268% | 3,235 |
| Loan and lease loss provision to assets | 0.0926% | 2,060 |
| Net operating income to assets | 1.2908% | 1,805 |
| Return on assets (ROA) | 1.2908% | 1,801 |
| Pretax return on assets | 1.2908% | 2,552 |
| Return on Equity (ROE) | 11.1453% | 2,051 |
| Retained earnings to average equity (ytd only) | 6.7014% | 2,207 |
| Net charge-offs to loans | 0.1021% | 1,333 |
| Credit loss provision to net charge-offs | 160.7143% | 1,508 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,692 |
| Efficiency ratio | 65.5031% | 3,061 |
| Assets per employee ($millions) | 4.0269% | 3,849 |
| Cash dividends to net income (ytd only)* | 39.8724% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6242% | 1,047 |
| Loan loss allowance to noncurrent loans | 708.8000% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.4191% | 3,048 |
| Noncurrent loans to loans | 0.2291% | 3,897 |
| Net loans and leases to total assets | 55.5274% | 4,199 |
| Net loans and leases to deposits | 63.5533% | 4,312 |
| Net loans and leases to core deposits | 64.0585% | 4,484 |
| Total domestic deposits to total assets | 87.3714% | 1,697 |
| Equity capital to assets | 11.7273% | 2,037 |
| Core capital (leverage) ratio | 12.4566% | 1,463 |
| Tier 1 risk-based capital ratio | 19.5616% | 1,416 |
| Total risk-based capital ratio | 20.8135% | 1,378 |
| Memoranda: | ||
| Average total assets | $97,151,670 | 4,222 |
| Average earning assets | $88,620,670 | 4,245 |
| Average equity | $11,251,330 | 4,194 |
| Average total loans | $54,834,330 | 4,283 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3362% | 2,393 |
| Cost of funding earning assets | 0.2741% | 4,550 |
| Net interest margin | 4.0621% | 1,533 |
| Noninterest income to average assets | 0.2751% | 4,328 |
| Noninterest expense to average assets | 2.5461% | 3,510 |
| Loan and lease loss provision to assets | 0.0945% | 1,935 |
| Net operating income to assets | 1.3470% | 1,488 |
| Return on assets (ROA) | 1.3470% | 1,501 |
| Pretax return on assets | 1.3470% | 2,190 |
| Return on Equity (ROE) | 11.7038% | 1,682 |
| Retained earnings to average equity (ytd only) | 7.2435% | 2,166 |
| Net charge-offs to loans | 0.1091% | 1,120 |
| Credit loss provision to net charge-offs | 153.3333% | 1,221 |
| Earnings coverage of net charge-offs (x) | 23.4000% | 1,382 |
| Efficiency ratio | 63.8517% | 3,502 |
| Assets per employee ($millions) | 4.0226% | 3,938 |
| Cash dividends to net income (ytd only)* | 38.1098% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 1,130 |
| Loan loss allowance to noncurrent loans | 180.0821% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.5428% | 2,715 |
| Noncurrent loans to loans | 0.8952% | 2,035 |
| Net loans and leases to total assets | 55.4437% | 4,164 |
| Net loans and leases to deposits | 63.3306% | 4,252 |
| Net loans and leases to core deposits | 64.0275% | 4,419 |
| Total domestic deposits to total assets | 87.5465% | 1,875 |
| Equity capital to assets | 11.5752% | 2,073 |
| Core capital (leverage) ratio | 12.1375% | 1,565 |
| Tier 1 risk-based capital ratio | 19.5754% | 1,422 |
| Total risk-based capital ratio | 20.8267% | 1,391 |
| Memoranda: | ||
| Average total assets | $97,404,500 | 4,258 |
| Average earning assets | $89,018,500 | 4,284 |
| Average equity | $11,210,000 | 4,244 |
| Average total loans | $54,976,000 | 4,329 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2192% | 2,616 |
| Cost of funding earning assets | 0.2043% | 4,912 |
| Net interest margin | 4.0149% | 1,706 |
| Noninterest income to average assets | 0.2401% | 4,696 |
| Noninterest expense to average assets | 2.5381% | 3,647 |
| Loan and lease loss provision to assets | 0.0248% | 3,800 |
| Net operating income to assets | 1.3395% | 1,142 |
| Return on assets (ROA) | 1.3395% | 1,167 |
| Pretax return on assets | 1.3395% | 2,216 |
| Return on Equity (ROE) | 11.6396% | 1,307 |
| Retained earnings to average equity (ytd only) | 5.3431% | 1,904 |
| Net charge-offs to loans | 0.0989% | 2,089 |
| Credit loss provision to net charge-offs | 43.6364% | 3,406 |
| Earnings coverage of net charge-offs (x) | 23.9636% | 1,779 |
| Efficiency ratio | 65.0398% | 3,439 |
| Assets per employee ($millions) | 4.2724% | 3,535 |
| Cash dividends to net income (ytd only)* | 54.0958% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 1,230 |
| Loan loss allowance to noncurrent loans | 250.4323% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.3531% | 3,453 |
| Noncurrent loans to loans | 0.6247% | 2,659 |
| Net loans and leases to total assets | 55.6439% | 4,222 |
| Net loans and leases to deposits | 63.4283% | 4,358 |
| Net loans and leases to core deposits | 64.1110% | 4,525 |
| Total domestic deposits to total assets | 87.7272% | 1,644 |
| Equity capital to assets | 11.4434% | 2,240 |
| Core capital (leverage) ratio | 11.6667% | 1,819 |
| Tier 1 risk-based capital ratio | 17.7415% | 1,876 |
| Total risk-based capital ratio | 18.9918% | 1,824 |
| Memoranda: | ||
| Average total assets | $96,606,400 | 4,300 |
| Average earning assets | $88,121,600 | 4,330 |
| Average equity | $11,117,200 | 4,283 |
| Average total loans | $55,620,600 | 4,306 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1906% | 2,649 |
| Cost of funding earning assets | 0.1992% | 4,981 |
| Net interest margin | 3.9914% | 1,726 |
| Noninterest income to average assets | 0.2758% | 4,535 |
| Noninterest expense to average assets | 2.5615% | 3,532 |
| Loan and lease loss provision to assets | 0.0250% | 3,641 |
| Net operating income to assets | 1.3279% | 1,256 |
| Return on assets (ROA) | 1.3279% | 1,285 |
| Pretax return on assets | 1.3279% | 2,370 |
| Return on Equity (ROE) | 11.5225% | 1,482 |
| Retained earnings to average equity (ytd only) | 7.3129% | 1,531 |
| Net charge-offs to loans | 0.1270% | 1,514 |
| Credit loss provision to net charge-offs | 33.9623% | 3,052 |
| Earnings coverage of net charge-offs (x) | 18.4164% | 2,049 |
| Efficiency ratio | 65.4391% | 3,300 |
| Assets per employee ($millions) | 4.1730% | 3,692 |
| Cash dividends to net income (ytd only)* | 36.5349% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 1,333 |
| Loan loss allowance to noncurrent loans | 292.2297% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.3475% | 3,648 |
| Noncurrent loans to loans | 0.5336% | 3,100 |
| Net loans and leases to total assets | 54.5211% | 4,369 |
| Net loans and leases to deposits | 62.2686% | 4,496 |
| Net loans and leases to core deposits | 62.9260% | 4,657 |
| Total domestic deposits to total assets | 87.5579% | 1,606 |
| Equity capital to assets | 11.4995% | 2,372 |
| Core capital (leverage) ratio | 11.9811% | 1,698 |
| Tier 1 risk-based capital ratio | 17.6457% | 1,961 |
| Total risk-based capital ratio | 18.8953% | 1,901 |
| Memoranda: | ||
| Average total assets | $96,191,500 | 4,347 |
| Average earning assets | $87,686,000 | 4,382 |
| Average equity | $11,085,250 | 4,329 |
| Average total loans | $55,638,750 | 4,341 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1770% | 2,555 |
| Cost of funding earning assets | 0.1946% | 5,034 |
| Net interest margin | 3.9824% | 1,665 |
| Noninterest income to average assets | 0.2846% | 4,518 |
| Noninterest expense to average assets | 2.5993% | 3,434 |
| Loan and lease loss provision to assets | 0.0253% | 3,493 |
| Net operating income to assets | 1.2838% | 1,342 |
| Return on assets (ROA) | 1.2838% | 1,369 |
| Pretax return on assets | 1.2838% | 2,448 |
| Return on Equity (ROE) | 11.1321% | 1,592 |
| Retained earnings to average equity (ytd only) | 6.5623% | 1,808 |
| Net charge-offs to loans | 0.0575% | 2,107 |
| Credit loss provision to net charge-offs | 75.0000% | 2,318 |
| Earnings coverage of net charge-offs (x) | 38.8125% | 1,271 |
| Efficiency ratio | 66.5049% | 3,264 |
| Assets per employee ($millions) | 3.7799% | 4,306 |
| Cash dividends to net income (ytd only)* | 41.0509% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5687% | 1,335 |
| Loan loss allowance to noncurrent loans | 136.7939% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.7820% | 2,255 |
| Noncurrent loans to loans | 1.1468% | 1,705 |
| Net loans and leases to total assets | 59.4944% | 3,887 |
| Net loans and leases to deposits | 68.2832% | 4,040 |
| Net loans and leases to core deposits | 69.2641% | 4,271 |
| Total domestic deposits to total assets | 87.1288% | 1,893 |
| Equity capital to assets | 11.9325% | 1,973 |
| Core capital (leverage) ratio | 12.0666% | 1,594 |
| Tier 1 risk-based capital ratio | 16.9648% | 2,161 |
| Total risk-based capital ratio | 18.2149% | 2,121 |
| Memoranda: | ||
| Average total assets | $94,871,330 | 4,398 |
| Average earning assets | $86,329,000 | 4,429 |
| Average equity | $10,941,330 | 4,369 |
| Average total loans | $55,695,330 | 4,362 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0889% | 2,692 |
| Cost of funding earning assets | 0.1894% | 5,071 |
| Net interest margin | 3.8995% | 1,781 |
| Noninterest income to average assets | 0.3072% | 4,364 |
| Noninterest expense to average assets | 2.6889% | 3,185 |
| Loan and lease loss provision to assets | 0.0252% | 3,243 |
| Net operating income to assets | 1.1446% | 1,694 |
| Return on assets (ROA) | 1.1446% | 1,733 |
| Pretax return on assets | 1.1446% | 2,799 |
| Return on Equity (ROE) | 10.0984% | 1,926 |
| Retained earnings to average equity (ytd only) | 5.4576% | 2,627 |
| Net charge-offs to loans | -0.0073% | 4,297 |
| Credit loss provision to net charge-offs | -600.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6838% | 2,944 |
| Assets per employee ($millions) | 3.8206% | 4,314 |
| Cash dividends to net income (ytd only)* | 45.9559% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6374% | 1,289 |
| Loan loss allowance to noncurrent loans | 671.8519% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 4,234 |
| Noncurrent loans to loans | 0.2437% | 4,233 |
| Net loans and leases to total assets | 57.0455% | 4,058 |
| Net loans and leases to deposits | 65.1104% | 4,243 |
| Net loans and leases to core deposits | 65.5136% | 4,461 |
| Total domestic deposits to total assets | 87.6135% | 1,935 |
| Equity capital to assets | 11.4265% | 2,237 |
| Core capital (leverage) ratio | 11.9010% | 1,688 |
| Tier 1 risk-based capital ratio | 16.9165% | 2,209 |
| Total risk-based capital ratio | 18.1669% | 2,169 |
| Memoranda: | ||
| Average total assets | $95,058,000 | 4,441 |
| Average earning assets | $86,575,000 | 4,469 |
| Average equity | $10,774,000 | 4,423 |
| Average total loans | $54,984,500 | 4,425 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2267% | 2,398 |
| Cost of funding earning assets | 0.1903% | 5,105 |
| Net interest margin | 4.0365% | 1,540 |
| Noninterest income to average assets | 0.2670% | 4,821 |
| Noninterest expense to average assets | 2.6850% | 3,386 |
| Loan and lease loss provision to assets | 0.0317% | 3,721 |
| Net operating income to assets | 1.2000% | 1,514 |
| Return on assets (ROA) | 1.2000% | 1,598 |
| Pretax return on assets | 1.2000% | 2,678 |
| Return on Equity (ROE) | 10.6335% | 1,714 |
| Retained earnings to average equity (ytd only) | 6.4250% | 1,487 |
| Net charge-offs to loans | 0.0615% | 2,830 |
| Credit loss provision to net charge-offs | 88.2353% | 2,835 |
| Earnings coverage of net charge-offs (x) | 34.3235% | 1,318 |
| Efficiency ratio | 68.5530% | 3,154 |
| Assets per employee ($millions) | 3.7840% | 4,334 |
| Cash dividends to net income (ytd only)* | 39.5778% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6491% | 1,256 |
| Loan loss allowance to noncurrent loans | 656.9343% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.3573% | 3,852 |
| Noncurrent loans to loans | 0.2510% | 4,254 |
| Net loans and leases to total assets | 56.7383% | 4,197 |
| Net loans and leases to deposits | 64.6414% | 4,351 |
| Net loans and leases to core deposits | 64.6414% | 4,600 |
| Total domestic deposits to total assets | 87.7739% | 1,758 |
| Equity capital to assets | 11.2409% | 2,375 |
| Core capital (leverage) ratio | 11.5725% | 1,878 |
| Tier 1 risk-based capital ratio | 16.7048% | 2,264 |
| Total risk-based capital ratio | 17.9561% | 2,206 |
| Memoranda: | ||
| Average total assets | $94,749,600 | 4,450 |
| Average earning assets | $85,669,000 | 4,478 |
| Average equity | $10,692,600 | 4,463 |
| Average total loans | $55,293,600 | 4,425 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 2,342 |
| Cost of funding earning assets | 0.1900% | 5,178 |
| Net interest margin | 4.0588% | 1,506 |
| Noninterest income to average assets | 0.3080% | 4,569 |
| Noninterest expense to average assets | 2.6796% | 3,401 |
| Loan and lease loss provision to assets | 0.0324% | 3,583 |
| Net operating income to assets | 1.2617% | 1,414 |
| Return on assets (ROA) | 1.2617% | 1,513 |
| Pretax return on assets | 1.2617% | 2,570 |
| Return on Equity (ROE) | 11.1697% | 1,609 |
| Retained earnings to average equity (ytd only) | 7.1227% | 1,560 |
| Net charge-offs to loans | -0.0048% | 4,611 |
| Credit loss provision to net charge-offs | -1,150.0000% | 5,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4336% | 3,334 |
| Assets per employee ($millions) | 3.6645% | 4,550 |
| Cash dividends to net income (ytd only)* | 36.2317% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 1,238 |
| Loan loss allowance to noncurrent loans | 513.2597% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.5416% | 3,296 |
| Noncurrent loans to loans | 0.3292% | 4,078 |
| Net loans and leases to total assets | 56.7289% | 4,227 |
| Net loans and leases to deposits | 64.9198% | 4,420 |
| Net loans and leases to core deposits | 64.9198% | 4,676 |
| Total domestic deposits to total assets | 87.3830% | 1,719 |
| Equity capital to assets | 11.5842% | 2,449 |
| Core capital (leverage) ratio | 11.4637% | 2,060 |
| Tier 1 risk-based capital ratio | 16.5367% | 2,401 |
| Total risk-based capital ratio | 17.7884% | 2,354 |
| Memoranda: | ||
| Average total assets | $94,786,750 | 4,489 |
| Average earning assets | $85,605,250 | 4,516 |
| Average equity | $10,707,250 | 4,507 |
| Average total loans | $55,473,250 | 4,457 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2221% | 2,436 |
| Cost of funding earning assets | 0.1890% | 5,245 |
| Net interest margin | 4.0330% | 1,541 |
| Noninterest income to average assets | 0.2811% | 4,779 |
| Noninterest expense to average assets | 2.6463% | 3,554 |
| Loan and lease loss provision to assets | 0.0317% | 3,498 |
| Net operating income to assets | 1.2555% | 1,403 |
| Return on assets (ROA) | 1.2555% | 1,523 |
| Pretax return on assets | 1.2555% | 2,587 |
| Return on Equity (ROE) | 11.2104% | 1,569 |
| Retained earnings to average equity (ytd only) | 7.4358% | 1,416 |
| Net charge-offs to loans | -0.0036% | 4,463 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2757% | 3,489 |
| Assets per employee ($millions) | 3.7806% | 4,306 |
| Cash dividends to net income (ytd only)* | 33.6700% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6460% | 1,413 |
| Loan loss allowance to noncurrent loans | 503.2787% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 3,324 |
| Noncurrent loans to loans | 0.3270% | 4,193 |
| Net loans and leases to total assets | 58.2272% | 4,093 |
| Net loans and leases to deposits | 66.5610% | 4,301 |
| Net loans and leases to core deposits | 66.5610% | 4,567 |
| Total domestic deposits to total assets | 87.4794% | 1,677 |
| Equity capital to assets | 11.5473% | 2,495 |
| Core capital (leverage) ratio | 11.2827% | 2,162 |
| Tier 1 risk-based capital ratio | 16.0966% | 2,592 |
| Total risk-based capital ratio | 17.3473% | 2,538 |
| Memoranda: | ||
| Average total assets | $94,623,670 | 4,522 |
| Average earning assets | $85,692,000 | 4,547 |
| Average equity | $10,597,330 | 4,548 |
| Average total loans | $55,638,330 | 4,484 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1822% | 2,544 |
| Cost of funding earning assets | 0.1905% | 5,279 |
| Net interest margin | 3.9917% | 1,633 |
| Noninterest income to average assets | 0.3380% | 4,317 |
| Noninterest expense to average assets | 2.6870% | 3,465 |
| Loan and lease loss provision to assets | 0.0338% | 3,207 |
| Net operating income to assets | 1.2463% | 1,415 |
| Return on assets (ROA) | 1.2463% | 1,517 |
| Pretax return on assets | 1.2463% | 2,523 |
| Return on Equity (ROE) | 11.3038% | 1,501 |
| Retained earnings to average equity (ytd only) | 7.4720% | 1,675 |
| Net charge-offs to loans | -0.0072% | 4,405 |
| Credit loss provision to net charge-offs | -800.0000% | 4,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7316% | 3,509 |
| Assets per employee ($millions) | 3.7998% | 4,302 |
| Cash dividends to net income (ytd only)* | 33.8983% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6401% | 1,505 |
| Loan loss allowance to noncurrent loans | 493.5135% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.5821% | 3,323 |
| Noncurrent loans to loans | 0.3323% | 4,245 |
| Net loans and leases to total assets | 57.6394% | 4,084 |
| Net loans and leases to deposits | 65.7974% | 4,275 |
| Net loans and leases to core deposits | 65.7974% | 4,545 |
| Total domestic deposits to total assets | 87.6013% | 1,865 |
| Equity capital to assets | 11.1660% | 2,756 |
| Core capital (leverage) ratio | 11.2135% | 2,215 |
| Tier 1 risk-based capital ratio | 15.7761% | 2,792 |
| Total risk-based capital ratio | 17.0265% | 2,728 |
| Memoranda: | ||
| Average total assets | $94,677,500 | 4,562 |
| Average earning assets | $86,078,500 | 4,575 |
| Average equity | $10,439,000 | 4,590 |
| Average total loans | $55,480,000 | 4,515 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1654% | 2,686 |
| Cost of funding earning assets | 0.1952% | 5,326 |
| Net interest margin | 3.9702% | 1,811 |
| Noninterest income to average assets | 0.1164% | 5,819 |
| Noninterest expense to average assets | 2.5043% | 4,210 |
| Loan and lease loss provision to assets | 0.1164% | 2,053 |
| Net operating income to assets | 1.1347% | 1,791 |
| Return on assets (ROA) | 1.1347% | 1,854 |
| Pretax return on assets | 1.1347% | 2,906 |
| Return on Equity (ROE) | 10.7919% | 1,688 |
| Retained earnings to average equity (ytd only) | 6.7651% | 1,395 |
| Net charge-offs to loans | -0.0185% | 5,250 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6855% | 3,797 |
| Assets per employee ($millions) | 4.1027% | 3,755 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 1,510 |
| Loan loss allowance to noncurrent loans | 491.3043% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.5860% | 3,329 |
| Noncurrent loans to loans | 0.3328% | 4,266 |
| Net loans and leases to total assets | 57.6393% | 4,130 |
| Net loans and leases to deposits | 65.4847% | 4,354 |
| Net loans and leases to core deposits | 65.4847% | 4,632 |
| Total domestic deposits to total assets | 88.0194% | 1,617 |
| Equity capital to assets | 10.8848% | 2,955 |
| Core capital (leverage) ratio | 10.8700% | 2,532 |
| Tier 1 risk-based capital ratio | 15.4996% | 2,932 |
| Total risk-based capital ratio | 16.7500% | 2,869 |
| Memoranda: | ||
| Average total assets | $94,476,400 | 4,571 |
| Average earning assets | $86,595,000 | 4,573 |
| Average equity | $9,933,400 | 4,668 |
| Average total loans | $53,941,400 | 4,557 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 2,753 |
| Cost of funding earning assets | 0.1968% | 5,405 |
| Net interest margin | 3.9523% | 1,867 |
| Noninterest income to average assets | 0.0593% | 6,069 |
| Noninterest expense to average assets | 2.4506% | 4,344 |
| Loan and lease loss provision to assets | 0.1270% | 1,779 |
| Net operating income to assets | 1.1075% | 1,973 |
| Return on assets (ROA) | 1.1075% | 2,053 |
| Pretax return on assets | 1.1075% | 3,189 |
| Return on Equity (ROE) | 10.6269% | 1,853 |
| Retained earnings to average equity (ytd only) | 6.5656% | 1,909 |
| Net charge-offs to loans | -0.0249% | 5,275 |
| Credit loss provision to net charge-offs | -900.0000% | 5,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5008% | 3,803 |
| Assets per employee ($millions) | 4.0248% | 3,838 |
| Cash dividends to net income (ytd only)* | 38.2166% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6345% | 1,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3820% | 4,238 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 55.0747% | 4,456 |
| Net loans and leases to deposits | 62.4281% | 4,683 |
| Net loans and leases to core deposits | 62.4281% | 4,912 |
| Total domestic deposits to total assets | 88.2210% | 1,441 |
| Equity capital to assets | 10.5615% | 3,532 |
| Core capital (leverage) ratio | 10.6355% | 2,891 |
| Tier 1 risk-based capital ratio | 15.7463% | 2,923 |
| Total risk-based capital ratio | 16.9964% | 2,856 |
| Memoranda: | ||
| Average total assets | $94,505,250 | 4,625 |
| Average earning assets | $86,698,250 | 4,615 |
| Average equity | $9,849,000 | 4,739 |
| Average total loans | $53,603,500 | 4,615 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1382% | 2,764 |
| Cost of funding earning assets | 0.2002% | 5,428 |
| Net interest margin | 3.9380% | 1,864 |
| Noninterest income to average assets | 0.0490% | 6,178 |
| Noninterest expense to average assets | 2.4881% | 4,276 |
| Loan and lease loss provision to assets | 0.1279% | 1,737 |
| Net operating income to assets | 1.0404% | 2,177 |
| Return on assets (ROA) | 1.0404% | 2,295 |
| Pretax return on assets | 1.0404% | 3,417 |
| Return on Equity (ROE) | 10.0295% | 2,054 |
| Retained earnings to average equity (ytd only) | 5.9190% | 2,293 |
| Net charge-offs to loans | -0.0299% | 5,332 |
| Credit loss provision to net charge-offs | -750.0000% | 5,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0466% | 3,663 |
| Assets per employee ($millions) | 3.9463% | 3,988 |
| Cash dividends to net income (ytd only)* | 40.9836% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5921% | 1,932 |
| Loan loss allowance to noncurrent loans | 214.6096% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.9967% | 2,532 |
| Noncurrent loans to loans | 0.7419% | 3,256 |
| Net loans and leases to total assets | 55.6028% | 4,379 |
| Net loans and leases to deposits | 63.0562% | 4,612 |
| Net loans and leases to core deposits | 63.0562% | 4,875 |
| Total domestic deposits to total assets | 88.1798% | 1,560 |
| Equity capital to assets | 10.4212% | 3,534 |
| Core capital (leverage) ratio | 10.5186% | 2,934 |
| Tier 1 risk-based capital ratio | 15.6353% | 3,036 |
| Total risk-based capital ratio | 16.8855% | 2,984 |
| Memoranda: | ||
| Average total assets | $93,808,330 | 4,685 |
| Average earning assets | $85,931,000 | 4,681 |
| Average equity | $9,731,330 | 4,800 |
| Average total loans | $53,443,330 | 4,661 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1226% | 2,740 |
| Cost of funding earning assets | 0.2008% | 5,502 |
| Net interest margin | 3.9218% | 1,816 |
| Noninterest income to average assets | -0.2014% | 6,383 |
| Noninterest expense to average assets | 2.4851% | 4,311 |
| Loan and lease loss provision to assets | 0.1285% | 1,616 |
| Net operating income to assets | 0.7841% | 3,344 |
| Return on assets (ROA) | 0.7841% | 3,477 |
| Pretax return on assets | 0.7841% | 4,297 |
| Return on Equity (ROE) | 7.5761% | 3,177 |
| Retained earnings to average equity (ytd only) | 3.4361% | 3,927 |
| Net charge-offs to loans | 0.0599% | 2,155 |
| Credit loss provision to net charge-offs | 375.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 26.6250% | 1,236 |
| Efficiency ratio | 73.1400% | 2,969 |
| Assets per employee ($millions) | 3.9257% | 4,110 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4847% | 2,510 |
| Loan loss allowance to noncurrent loans | 200.9975% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 1.0232% | 2,573 |
| Noncurrent loans to loans | 0.7387% | 3,415 |
| Net loans and leases to total assets | 56.7653% | 4,115 |
| Net loans and leases to deposits | 64.0288% | 4,369 |
| Net loans and leases to core deposits | 64.0288% | 4,693 |
| Total domestic deposits to total assets | 88.6559% | 1,472 |
| Equity capital to assets | 10.3836% | 3,678 |
| Core capital (leverage) ratio | 10.4325% | 3,060 |
| Tier 1 risk-based capital ratio | 15.5957% | 3,105 |
| Total risk-based capital ratio | 16.8450% | 3,044 |
| Memoranda: | ||
| Average total assets | $93,357,000 | 4,741 |
| Average earning assets | $85,675,000 | 4,730 |
| Average equity | $9,662,000 | 4,855 |
| Average total loans | $53,408,000 | 4,689 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1827% | 3,006 |
| Cost of funding earning assets | 0.2234% | 5,567 |
| Net interest margin | 3.9594% | 2,011 |
| Noninterest income to average assets | 0.2342% | 5,458 |
| Noninterest expense to average assets | 2.6018% | 4,212 |
| Loan and lease loss provision to assets | 0.2244% | 1,094 |
| Net operating income to assets | 1.0169% | 2,308 |
| Return on assets (ROA) | 1.0169% | 2,388 |
| Pretax return on assets | 1.0169% | 3,429 |
| Return on Equity (ROE) | 10.1031% | 2,071 |
| Retained earnings to average equity (ytd only) | 5.7530% | 2,098 |
| Net charge-offs to loans | 0.1639% | 2,391 |
| Credit loss provision to net charge-offs | 244.0476% | 1,043 |
| Earnings coverage of net charge-offs (x) | 13.5000% | 2,261 |
| Efficiency ratio | 67.7015% | 3,943 |
| Assets per employee ($millions) | 3.8541% | 4,245 |
| Cash dividends to net income (ytd only)* | 43.0571% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4925% | 2,518 |
| Loan loss allowance to noncurrent loans | 236.8580% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 1.2649% | 2,229 |
| Noncurrent loans to loans | 0.6301% | 3,802 |
| Net loans and leases to total assets | 55.9407% | 4,346 |
| Net loans and leases to deposits | 63.0901% | 4,623 |
| Net loans and leases to core deposits | 63.0901% | 4,912 |
| Total domestic deposits to total assets | 88.6679% | 1,433 |
| Equity capital to assets | 10.3148% | 3,705 |
| Core capital (leverage) ratio | 10.4366% | 3,012 |
| Tier 1 risk-based capital ratio | 16.1771% | 2,870 |
| Total risk-based capital ratio | 17.4271% | 2,814 |
| Memoranda: | ||
| Average total assets | $91,360,200 | 4,800 |
| Average earning assets | $83,270,800 | 4,814 |
| Average equity | $9,195,200 | 4,923 |
| Average total loans | $51,254,800 | 4,776 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1771% | 3,072 |
| Cost of funding earning assets | 0.2249% | 5,629 |
| Net interest margin | 3.9522% | 2,027 |
| Noninterest income to average assets | 0.3118% | 4,948 |
| Noninterest expense to average assets | 2.5956% | 4,212 |
| Loan and lease loss provision to assets | 0.2679% | 789 |
| Net operating income to assets | 1.0497% | 2,238 |
| Return on assets (ROA) | 1.0497% | 2,299 |
| Pretax return on assets | 1.0497% | 3,378 |
| Return on Equity (ROE) | 10.4952% | 2,004 |
| Retained earnings to average equity (ytd only) | 6.1039% | 2,345 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3300% | 4,167 |
| Assets per employee ($millions) | 3.8452% | 4,204 |
| Cash dividends to net income (ytd only)* | 41.8408% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6193% | 2,232 |
| Loan loss allowance to noncurrent loans | 187.5831% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 1.5225% | 2,021 |
| Noncurrent loans to loans | 0.8633% | 3,410 |
| Net loans and leases to total assets | 55.6949% | 4,371 |
| Net loans and leases to deposits | 62.9091% | 4,655 |
| Net loans and leases to core deposits | 62.9091% | 4,974 |
| Total domestic deposits to total assets | 88.5323% | 1,483 |
| Equity capital to assets | 10.1858% | 3,946 |
| Core capital (leverage) ratio | 10.3619% | 3,198 |
| Tier 1 risk-based capital ratio | 15.9782% | 3,070 |
| Total risk-based capital ratio | 17.2307% | 3,016 |
| Memoranda: | ||
| Average total assets | $91,075,750 | 4,864 |
| Average earning assets | $82,990,500 | 4,870 |
| Average equity | $9,108,750 | 4,986 |
| Average total loans | $50,936,500 | 4,834 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1293% | 3,233 |
| Cost of funding earning assets | 0.2304% | 5,658 |
| Net interest margin | 3.8990% | 2,174 |
| Noninterest income to average assets | 0.2956% | 5,049 |
| Noninterest expense to average assets | 2.6314% | 4,128 |
| Loan and lease loss provision to assets | 0.1985% | 1,220 |
| Net operating income to assets | 1.0124% | 2,284 |
| Return on assets (ROA) | 1.0124% | 2,347 |
| Pretax return on assets | 1.0124% | 3,433 |
| Return on Equity (ROE) | 10.1868% | 2,062 |
| Retained earnings to average equity (ytd only) | 5.7481% | 2,484 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4845% | 3,920 |
| Assets per employee ($millions) | 3.3384% | 5,178 |
| Cash dividends to net income (ytd only)* | 43.5730% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 2,921 |
| Loan loss allowance to noncurrent loans | 212.9944% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 1.5421% | 2,114 |
| Noncurrent loans to loans | 0.7025% | 3,950 |
| Net loans and leases to total assets | 55.0689% | 4,401 |
| Net loans and leases to deposits | 62.1539% | 4,676 |
| Net loans and leases to core deposits | 62.1539% | 4,958 |
| Total domestic deposits to total assets | 88.6008% | 1,583 |
| Equity capital to assets | 10.2776% | 3,723 |
| Core capital (leverage) ratio | 10.1641% | 3,398 |
| Tier 1 risk-based capital ratio | 16.0760% | 3,049 |
| Total risk-based capital ratio | 17.3264% | 2,988 |
| Memoranda: | ||
| Average total assets | $90,672,670 | 4,915 |
| Average earning assets | $82,483,000 | 4,924 |
| Average equity | $9,011,670 | 5,026 |
| Average total loans | $50,500,670 | 4,879 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0852% | 3,348 |
| Cost of funding earning assets | 0.2262% | 5,785 |
| Net interest margin | 3.8591% | 2,233 |
| Noninterest income to average assets | 0.2375% | 5,460 |
| Noninterest expense to average assets | 2.6523% | 4,106 |
| Loan and lease loss provision to assets | 0.1979% | 1,181 |
| Net operating income to assets | 0.9149% | 2,576 |
| Return on assets (ROA) | 0.9149% | 2,650 |
| Pretax return on assets | 0.9149% | 3,647 |
| Return on Equity (ROE) | 9.3636% | 2,305 |
| Retained earnings to average equity (ytd only) | 4.8619% | 3,198 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4439% | 3,752 |
| Assets per employee ($millions) | 3.9212% | 4,102 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 3,561 |
| Loan loss allowance to noncurrent loans | 302.5641% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 1.4093% | 2,513 |
| Noncurrent loans to loans | 0.4654% | 4,760 |
| Net loans and leases to total assets | 54.9585% | 4,287 |
| Net loans and leases to deposits | 61.7399% | 4,577 |
| Net loans and leases to core deposits | 61.7399% | 4,905 |
| Total domestic deposits to total assets | 89.0163% | 1,649 |
| Equity capital to assets | 9.9603% | 3,890 |
| Core capital (leverage) ratio | 10.3336% | 3,135 |
| Tier 1 risk-based capital ratio | 15.8633% | 3,237 |
| Total risk-based capital ratio | 17.0795% | 3,220 |
| Memoranda: | ||
| Average total assets | $90,940,000 | 4,940 |
| Average earning assets | $83,129,000 | 4,940 |
| Average equity | $8,885,500 | 5,081 |
| Average total loans | $50,555,000 | 4,912 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 2,817 |
| Cost of funding earning assets | 0.2631% | 5,886 |
| Net interest margin | 4.0739% | 1,721 |
| Noninterest income to average assets | 0.2488% | 5,566 |
| Noninterest expense to average assets | 2.8212% | 3,651 |
| Loan and lease loss provision to assets | 0.5287% | 515 |
| Net operating income to assets | 0.5964% | 4,277 |
| Return on assets (ROA) | 0.5964% | 4,395 |
| Pretax return on assets | 0.5964% | 4,885 |
| Return on Equity (ROE) | 6.0121% | 4,078 |
| Retained earnings to average equity (ytd only) | 1.5338% | 5,130 |
| Net charge-offs to loans | 0.9290% | 652 |
| Credit loss provision to net charge-offs | 98.9605% | 2,509 |
| Earnings coverage of net charge-offs (x) | 2.1060% | 4,333 |
| Efficiency ratio | 71.4889% | 3,570 |
| Assets per employee ($millions) | 3.8205% | 4,222 |
| Cash dividends to net income (ytd only)* | 74.4879% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 4,123 |
| Loan loss allowance to noncurrent loans | 470.2128% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 1.3142% | 2,796 |
| Noncurrent loans to loans | 0.2774% | 5,342 |
| Net loans and leases to total assets | 54.7191% | 4,497 |
| Net loans and leases to deposits | 61.1821% | 4,812 |
| Net loans and leases to core deposits | 61.1821% | 5,136 |
| Total domestic deposits to total assets | 89.4364% | 1,369 |
| Equity capital to assets | 9.5843% | 4,309 |
| Core capital (leverage) ratio | 9.7713% | 3,883 |
| Tier 1 risk-based capital ratio | 15.6031% | 3,306 |
| Total risk-based capital ratio | 16.7368% | 3,336 |
| Memoranda: | ||
| Average total assets | $90,034,000 | 4,979 |
| Average earning assets | $81,715,200 | 4,995 |
| Average equity | $8,932,000 | 5,098 |
| Average total loans | $51,776,400 | 4,898 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4143% | 2,545 |
| Cost of funding earning assets | 0.2712% | 5,952 |
| Net interest margin | 4.1432% | 1,502 |
| Noninterest income to average assets | 0.3630% | 4,792 |
| Noninterest expense to average assets | 2.8654% | 3,423 |
| Loan and lease loss provision to assets | 0.5966% | 408 |
| Net operating income to assets | 0.6516% | 4,109 |
| Return on assets (ROA) | 0.6516% | 4,241 |
| Pretax return on assets | 0.6516% | 4,850 |
| Return on Equity (ROE) | 6.5119% | 3,920 |
| Retained earnings to average equity (ytd only) | 2.0517% | 5,101 |
| Net charge-offs to loans | 1.2330% | 436 |
| Credit loss provision to net charge-offs | 83.3680% | 2,764 |
| Earnings coverage of net charge-offs (x) | 1.7443% | 4,252 |
| Efficiency ratio | 69.6564% | 3,811 |
| Assets per employee ($millions) | 3.8488% | 4,132 |
| Cash dividends to net income (ytd only)* | 68.4926% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 4,917 |
| Loan loss allowance to noncurrent loans | 490.0000% | 899 |
| Noncurrent assets plus other real estate owned to assets | 1.5102% | 2,671 |
| Noncurrent loans to loans | 0.2425% | 5,627 |
| Net loans and leases to total assets | 52.9387% | 4,759 |
| Net loans and leases to deposits | 59.2706% | 5,063 |
| Net loans and leases to core deposits | 59.2706% | 5,353 |
| Total domestic deposits to total assets | 89.3170% | 1,398 |
| Equity capital to assets | 9.5853% | 4,442 |
| Core capital (leverage) ratio | 9.9306% | 3,771 |
| Tier 1 risk-based capital ratio | 15.8625% | 3,271 |
| Total risk-based capital ratio | 16.8845% | 3,344 |
| Memoranda: | ||
| Average total assets | $89,619,500 | 5,040 |
| Average earning assets | $81,127,750 | 5,050 |
| Average equity | $8,968,000 | 5,144 |
| Average total loans | $52,011,500 | 4,930 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5529% | 2,021 |
| Cost of funding earning assets | 0.2802% | 5,984 |
| Net interest margin | 4.2727% | 1,085 |
| Noninterest income to average assets | 0.4397% | 4,250 |
| Noninterest expense to average assets | 2.9717% | 3,089 |
| Loan and lease loss provision to assets | 0.7350% | 300 |
| Net operating income to assets | 0.5840% | 4,380 |
| Return on assets (ROA) | 0.5840% | 4,559 |
| Pretax return on assets | 0.5840% | 5,081 |
| Return on Equity (ROE) | 5.7517% | 4,314 |
| Retained earnings to average equity (ytd only) | 1.3102% | 5,368 |
| Net charge-offs to loans | 1.6688% | 295 |
| Credit loss provision to net charge-offs | 73.9229% | 2,744 |
| Earnings coverage of net charge-offs (x) | 1.3265% | 4,099 |
| Efficiency ratio | 69.2591% | 3,966 |
| Assets per employee ($millions) | 3.5349% | 4,781 |
| Cash dividends to net income (ytd only)* | 77.2201% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0930% | 5,474 |
| Loan loss allowance to noncurrent loans | 272.4138% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 1.9305% | 2,249 |
| Noncurrent loans to loans | 0.4012% | 5,262 |
| Net loans and leases to total assets | 56.6259% | 4,192 |
| Net loans and leases to deposits | 63.9065% | 4,522 |
| Net loans and leases to core deposits | 63.9065% | 4,902 |
| Total domestic deposits to total assets | 88.6074% | 1,842 |
| Equity capital to assets | 9.8084% | 4,174 |
| Core capital (leverage) ratio | 10.1113% | 3,351 |
| Tier 1 risk-based capital ratio | 15.3543% | 3,561 |
| Total risk-based capital ratio | 16.2930% | 3,719 |
| Memoranda: | ||
| Average total assets | $88,702,330 | 5,084 |
| Average earning assets | $79,949,670 | 5,120 |
| Average equity | $9,006,000 | 5,167 |
| Average total loans | $52,852,670 | 4,919 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6324% | 1,738 |
| Cost of funding earning assets | 0.2858% | 6,068 |
| Net interest margin | 4.3466% | 885 |
| Noninterest income to average assets | 0.4726% | 3,975 |
| Noninterest expense to average assets | 2.8717% | 3,458 |
| Loan and lease loss provision to assets | 0.7922% | 274 |
| Net operating income to assets | 0.7112% | 3,633 |
| Return on assets (ROA) | 0.7112% | 3,771 |
| Pretax return on assets | 0.7112% | 4,530 |
| Return on Equity (ROE) | 6.8883% | 3,553 |
| Retained earnings to average equity (ytd only) | 2.5286% | 4,759 |
| Net charge-offs to loans | 0.8225% | 730 |
| Credit loss provision to net charge-offs | 158.5586% | 1,309 |
| Earnings coverage of net charge-offs (x) | 3.0090% | 2,871 |
| Efficiency ratio | 65.6379% | 4,723 |
| Assets per employee ($millions) | 3.5498% | 4,880 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 4,339 |
| Loan loss allowance to noncurrent loans | 207.6487% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 2.8655% | 1,572 |
| Noncurrent loans to loans | 0.6638% | 4,795 |
| Net loans and leases to total assets | 59.0922% | 3,587 |
| Net loans and leases to deposits | 66.7014% | 3,952 |
| Net loans and leases to core deposits | 66.7014% | 4,446 |
| Total domestic deposits to total assets | 88.5922% | 1,939 |
| Equity capital to assets | 10.3576% | 3,724 |
| Core capital (leverage) ratio | 10.0713% | 3,303 |
| Tier 1 risk-based capital ratio | 14.5809% | 4,120 |
| Total risk-based capital ratio | 15.7626% | 4,132 |
| Memoranda: | ||
| Average total assets | $88,867,000 | 5,132 |
| Average earning assets | $79,786,000 | 5,162 |
| Average equity | $9,175,000 | 5,191 |
| Average total loans | $53,981,500 | 4,918 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1141% | 1,276 |
| Cost of funding earning assets | 0.3498% | 6,216 |
| Net interest margin | 4.7643% | 578 |
| Noninterest income to average assets | 0.1756% | 6,144 |
| Noninterest expense to average assets | 2.7954% | 4,035 |
| Loan and lease loss provision to assets | 1.5215% | 208 |
| Net operating income to assets | 0.1300% | 5,942 |
| Return on assets (ROA) | 0.1312% | 6,089 |
| Pretax return on assets | 0.1312% | 6,101 |
| Return on Equity (ROE) | 1.2378% | 6,076 |
| Retained earnings to average equity (ytd only) | -4.1441% | 6,372 |
| Net charge-offs to loans | 2.2897% | 288 |
| Credit loss provision to net charge-offs | 99.1822% | 3,125 |
| Earnings coverage of net charge-offs (x) | 1.0766% | 4,923 |
| Efficiency ratio | 62.8623% | 5,104 |
| Assets per employee ($millions) | 3.5595% | 4,882 |
| Cash dividends to net income (ytd only)* | 434.7826% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 5,028 |
| Loan loss allowance to noncurrent loans | 156.0748% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 2.7543% | 1,747 |
| Noncurrent loans to loans | 0.7812% | 4,621 |
| Net loans and leases to total assets | 60.8172% | 3,452 |
| Net loans and leases to deposits | 68.5593% | 3,899 |
| Net loans and leases to core deposits | 68.5593% | 4,472 |
| Total domestic deposits to total assets | 88.7075% | 1,762 |
| Equity capital to assets | 10.2913% | 3,770 |
| Core capital (leverage) ratio | 10.0702% | 3,309 |
| Tier 1 risk-based capital ratio | 14.2658% | 4,189 |
| Total risk-based capital ratio | 15.3260% | 4,285 |
| Memoranda: | ||
| Average total assets | $87,678,600 | 5,149 |
| Average earning assets | $78,606,000 | 5,170 |
| Average equity | $9,290,400 | 5,153 |
| Average total loans | $58,742,600 | 4,763 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1409% | 1,327 |
| Cost of funding earning assets | 0.3681% | 6,287 |
| Net interest margin | 4.7728% | 582 |
| Noninterest income to average assets | 0.1710% | 6,284 |
| Noninterest expense to average assets | 2.8421% | 3,835 |
| Loan and lease loss provision to assets | 1.4943% | 213 |
| Net operating income to assets | 0.1099% | 6,109 |
| Return on assets (ROA) | 0.1099% | 6,248 |
| Pretax return on assets | 0.1099% | 6,258 |
| Return on Equity (ROE) | 1.0297% | 6,241 |
| Retained earnings to average equity (ytd only) | -5.0480% | 6,618 |
| Net charge-offs to loans | 0.4687% | 2,228 |
| Credit loss provision to net charge-offs | 466.1905% | 574 |
| Earnings coverage of net charge-offs (x) | 5.0048% | 3,140 |
| Efficiency ratio | 63.9204% | 4,813 |
| Assets per employee ($millions) | 3.5439% | 4,862 |
| Cash dividends to net income (ytd only)* | 590.2604% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4781% | 1,231 |
| Loan loss allowance to noncurrent loans | 52.5209% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 5.5013% | 774 |
| Noncurrent loans to loans | 4.7184% | 985 |
| Net loans and leases to total assets | 64.3171% | 2,975 |
| Net loans and leases to deposits | 72.7353% | 3,489 |
| Net loans and leases to core deposits | 72.7353% | 4,162 |
| Total domestic deposits to total assets | 88.4262% | 1,772 |
| Equity capital to assets | 10.4405% | 3,913 |
| Core capital (leverage) ratio | 10.1097% | 3,396 |
| Tier 1 risk-based capital ratio | 13.8501% | 4,649 |
| Total risk-based capital ratio | 15.1122% | 4,598 |
| Memoranda: | ||
| Average total assets | $87,351,250 | 5,199 |
| Average earning assets | $78,246,750 | 5,237 |
| Average equity | $9,323,500 | 5,193 |
| Average total loans | $59,731,250 | 4,776 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2355% | 1,171 |
| Cost of funding earning assets | 0.3927% | 6,314 |
| Net interest margin | 4.8428% | 521 |
| Noninterest income to average assets | 0.1081% | 6,638 |
| Noninterest expense to average assets | 2.9838% | 3,324 |
| Loan and lease loss provision to assets | 1.5184% | 237 |
| Net operating income to assets | -0.0529% | 6,387 |
| Return on assets (ROA) | -0.0529% | 6,504 |
| Pretax return on assets | -0.0529% | 6,486 |
| Return on Equity (ROE) | -0.4921% | 6,500 |
| Retained earnings to average equity (ytd only) | -7.9803% | 6,767 |
| Net charge-offs to loans | 0.3058% | 2,808 |
| Credit loss provision to net charge-offs | 717.3913% | 441 |
| Earnings coverage of net charge-offs (x) | 6.9239% | 2,560 |
| Efficiency ratio | 67.0631% | 4,309 |
| Assets per employee ($millions) | 3.5945% | 4,759 |
| Cash dividends to net income (ytd only)* | -1,521.7391% | 7,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0811% | 2,032 |
| Loan loss allowance to noncurrent loans | 49.2885% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 5.4372% | 828 |
| Noncurrent loans to loans | 4.2223% | 1,287 |
| Net loans and leases to total assets | 65.2923% | 2,803 |
| Net loans and leases to deposits | 73.6811% | 3,346 |
| Net loans and leases to core deposits | 74.3817% | 3,968 |
| Total domestic deposits to total assets | 88.6148% | 1,752 |
| Equity capital to assets | 10.2646% | 3,978 |
| Core capital (leverage) ratio | 10.2058% | 3,136 |
| Tier 1 risk-based capital ratio | 13.5491% | 4,785 |
| Total risk-based capital ratio | 14.8062% | 4,745 |
| Memoranda: | ||
| Average total assets | $86,936,000 | 5,247 |
| Average earning assets | $77,929,670 | 5,273 |
| Average equity | $9,348,000 | 5,197 |
| Average total loans | $60,164,670 | 4,785 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4422% | 849 |
| Cost of funding earning assets | 0.4114% | 6,350 |
| Net interest margin | 5.0308% | 380 |
| Noninterest income to average assets | -0.2855% | 7,221 |
| Noninterest expense to average assets | 2.9343% | 3,494 |
| Loan and lease loss provision to assets | 1.9187% | 154 |
| Net operating income to assets | -0.6177% | 6,879 |
| Return on assets (ROA) | -0.6177% | 6,903 |
| Pretax return on assets | -0.6177% | 6,869 |
| Return on Equity (ROE) | -5.6111% | 6,868 |
| Retained earnings to average equity (ytd only) | -13.0499% | 6,924 |
| Net charge-offs to loans | 0.1592% | 3,139 |
| Credit loss provision to net charge-offs | 1,708.3333% | 195 |
| Earnings coverage of net charge-offs (x) | 11.5833% | 1,661 |
| Efficiency ratio | 69.2818% | 3,935 |
| Assets per employee ($millions) | 3.4205% | 5,298 |
| Cash dividends to net income (ytd only)* | -132.5758% | 7,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7731% | 3,076 |
| Loan loss allowance to noncurrent loans | 216.4634% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 2.8732% | 2,027 |
| Noncurrent loans to loans | 0.8191% | 5,040 |
| Net loans and leases to total assets | 68.9942% | 1,947 |
| Net loans and leases to deposits | 78.3915% | 2,433 |
| Net loans and leases to core deposits | 79.1805% | 3,156 |
| Total domestic deposits to total assets | 88.0123% | 2,312 |
| Equity capital to assets | 10.8159% | 3,120 |
| Core capital (leverage) ratio | 10.5038% | 2,746 |
| Tier 1 risk-based capital ratio | 13.2968% | 4,988 |
| Total risk-based capital ratio | 14.5508% | 4,968 |
| Memoranda: | ||
| Average total assets | $85,473,000 | 5,326 |
| Average earning assets | $76,806,500 | 5,334 |
| Average equity | $9,410,000 | 5,190 |
| Average total loans | $60,287,000 | 4,806 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5719% | 1,011 |
| Cost of funding earning assets | 0.5159% | 6,466 |
| Net interest margin | 5.0560% | 364 |
| Noninterest income to average assets | 0.3134% | 5,303 |
| Noninterest expense to average assets | 2.8910% | 3,991 |
| Loan and lease loss provision to assets | 0.6798% | 1,505 |
| Net operating income to assets | 1.2710% | 1,321 |
| Return on assets (ROA) | 1.2710% | 1,422 |
| Pretax return on assets | 1.2710% | 2,233 |
| Return on Equity (ROE) | 11.9414% | 1,418 |
| Retained earnings to average equity (ytd only) | 4.9043% | 2,717 |
| Net charge-offs to loans | 1.0060% | 1,729 |
| Credit loss provision to net charge-offs | 96.7213% | 3,723 |
| Earnings coverage of net charge-offs (x) | 2.7754% | 3,836 |
| Efficiency ratio | 59.7097% | 5,802 |
| Assets per employee ($millions) | 3.4173% | 5,206 |
| Cash dividends to net income (ytd only)* | 58.9302% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 5,729 |
| Loan loss allowance to noncurrent loans | 146.9697% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 3.1896% | 1,873 |
| Noncurrent loans to loans | 0.7635% | 5,165 |
| Net loans and leases to total assets | 70.0327% | 2,022 |
| Net loans and leases to deposits | 79.9014% | 2,541 |
| Net loans and leases to core deposits | 79.9014% | 3,456 |
| Total domestic deposits to total assets | 87.6488% | 2,369 |
| Equity capital to assets | 11.2029% | 2,793 |
| Core capital (leverage) ratio | 10.7539% | 2,470 |
| Tier 1 risk-based capital ratio | 13.5833% | 4,634 |
| Total risk-based capital ratio | 14.5673% | 4,806 |
| Memoranda: | ||
| Average total assets | $86,785,400 | 5,267 |
| Average earning assets | $77,729,800 | 5,295 |
| Average equity | $9,236,800 | 5,220 |
| Average total loans | $60,633,400 | 4,840 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5648% | 1,105 |
| Cost of funding earning assets | 0.5452% | 6,532 |
| Net interest margin | 5.0196% | 397 |
| Noninterest income to average assets | 0.2495% | 5,833 |
| Noninterest expense to average assets | 2.7776% | 4,427 |
| Loan and lease loss provision to assets | 0.6504% | 1,512 |
| Net operating income to assets | 1.3161% | 1,337 |
| Return on assets (ROA) | 1.3161% | 1,424 |
| Pretax return on assets | 1.3161% | 2,238 |
| Return on Equity (ROE) | 12.5271% | 1,403 |
| Retained earnings to average equity (ytd only) | 6.3364% | 2,339 |
| Net charge-offs to loans | 0.7561% | 2,053 |
| Credit loss provision to net charge-offs | 123.5465% | 2,607 |
| Earnings coverage of net charge-offs (x) | 3.7354% | 3,318 |
| Efficiency ratio | 58.5484% | 5,929 |
| Assets per employee ($millions) | 3.5108% | 4,966 |
| Cash dividends to net income (ytd only)* | 49.4183% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 5,204 |
| Loan loss allowance to noncurrent loans | 64.8379% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 4.2930% | 1,415 |
| Noncurrent loans to loans | 1.9400% | 3,442 |
| Net loans and leases to total assets | 69.7619% | 2,125 |
| Net loans and leases to deposits | 79.2621% | 2,767 |
| Net loans and leases to core deposits | 79.2621% | 3,742 |
| Total domestic deposits to total assets | 88.0141% | 2,026 |
| Equity capital to assets | 10.8762% | 3,266 |
| Core capital (leverage) ratio | 10.7038% | 2,660 |
| Tier 1 risk-based capital ratio | 13.1467% | 4,993 |
| Total risk-based capital ratio | 14.2428% | 5,071 |
| Memoranda: | ||
| Average total assets | $87,123,500 | 5,294 |
| Average earning assets | $78,011,750 | 5,326 |
| Average equity | $9,153,250 | 5,270 |
| Average total loans | $60,664,250 | 4,880 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4941% | 1,306 |
| Cost of funding earning assets | 0.5933% | 6,495 |
| Net interest margin | 4.9007% | 490 |
| Noninterest income to average assets | 0.4833% | 3,994 |
| Noninterest expense to average assets | 2.9341% | 3,885 |
| Loan and lease loss provision to assets | 0.8054% | 1,139 |
| Net operating income to assets | 1.1345% | 1,775 |
| Return on assets (ROA) | 1.1345% | 1,849 |
| Pretax return on assets | 1.1345% | 2,715 |
| Return on Equity (ROE) | 10.9284% | 1,820 |
| Retained earnings to average equity (ytd only) | 4.8325% | 3,100 |
| Net charge-offs to loans | 0.4584% | 2,747 |
| Credit loss provision to net charge-offs | 253.6232% | 1,195 |
| Earnings coverage of net charge-offs (x) | 6.1087% | 2,468 |
| Efficiency ratio | 60.1983% | 5,843 |
| Assets per employee ($millions) | 3.4075% | 5,179 |
| Cash dividends to net income (ytd only)* | 55.7809% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 3,970 |
| Loan loss allowance to noncurrent loans | 53.4624% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 4.5827% | 1,365 |
| Noncurrent loans to loans | 2.8682% | 2,550 |
| Net loans and leases to total assets | 66.0297% | 3,019 |
| Net loans and leases to deposits | 74.6656% | 3,696 |
| Net loans and leases to core deposits | 75.3873% | 4,391 |
| Total domestic deposits to total assets | 88.4339% | 1,901 |
| Equity capital to assets | 10.4554% | 3,564 |
| Core capital (leverage) ratio | 10.4043% | 2,827 |
| Tier 1 risk-based capital ratio | 13.0862% | 4,846 |
| Total risk-based capital ratio | 14.3291% | 4,837 |
| Memoranda: | ||
| Average total assets | $86,908,000 | 5,346 |
| Average earning assets | $77,866,000 | 5,373 |
| Average equity | $9,022,330 | 5,322 |
| Average total loans | $60,215,670 | 4,946 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2572% | 2,019 |
| Cost of funding earning assets | 0.6630% | 6,331 |
| Net interest margin | 4.5942% | 872 |
| Noninterest income to average assets | 0.4322% | 4,438 |
| Noninterest expense to average assets | 3.2162% | 2,837 |
| Loan and lease loss provision to assets | 0.3486% | 2,471 |
| Net operating income to assets | 0.9900% | 2,215 |
| Return on assets (ROA) | 0.9900% | 2,271 |
| Pretax return on assets | 0.9900% | 3,161 |
| Return on Equity (ROE) | 9.5709% | 2,260 |
| Retained earnings to average equity (ytd only) | -2.7859% | 6,260 |
| Net charge-offs to loans | 0.9040% | 1,469 |
| Credit loss provision to net charge-offs | 54.7445% | 3,654 |
| Earnings coverage of net charge-offs (x) | 2.1022% | 3,246 |
| Efficiency ratio | 70.6122% | 4,134 |
| Assets per employee ($millions) | 3.2998% | 5,478 |
| Cash dividends to net income (ytd only)* | 129.1080% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0573% | 6,194 |
| Loan loss allowance to noncurrent loans | 16.2708% | 6,886 |
| Noncurrent assets plus other real estate owned to assets | 7.4701% | 678 |
| Noncurrent loans to loans | 6.4985% | 916 |
| Net loans and leases to total assets | 69.4772% | 2,227 |
| Net loans and leases to deposits | 78.5784% | 2,962 |
| Net loans and leases to core deposits | 79.3631% | 3,837 |
| Total domestic deposits to total assets | 88.4177% | 2,132 |
| Equity capital to assets | 10.3561% | 3,343 |
| Core capital (leverage) ratio | 10.1518% | 2,975 |
| Tier 1 risk-based capital ratio | 12.6042% | 5,160 |
| Total risk-based capital ratio | 13.5105% | 5,468 |
| Memoranda: | ||
| Average total assets | $86,064,500 | 5,405 |
| Average earning assets | $77,228,000 | 5,438 |
| Average equity | $8,902,000 | 5,359 |
| Average total loans | $60,618,500 | 4,981 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7560% | 1,385 |
| Cost of funding earning assets | 0.8374% | 6,410 |
| Net interest margin | 4.9186% | 517 |
| Noninterest income to average assets | 0.3191% | 5,509 |
| Noninterest expense to average assets | 2.9675% | 3,972 |
| Loan and lease loss provision to assets | 0.4447% | 3,464 |
| Net operating income to assets | 1.3409% | 1,078 |
| Return on assets (ROA) | 1.3409% | 1,148 |
| Pretax return on assets | 1.3409% | 1,828 |
| Return on Equity (ROE) | 13.2222% | 1,038 |
| Retained earnings to average equity (ytd only) | -1.0306% | 5,808 |
| Net charge-offs to loans | 0.4999% | 3,619 |
| Credit loss provision to net charge-offs | 124.2236% | 3,317 |
| Earnings coverage of net charge-offs (x) | 4.9876% | 2,747 |
| Efficiency ratio | 62.4327% | 5,650 |
| Assets per employee ($millions) | 3.3205% | 5,386 |
| Cash dividends to net income (ytd only)* | 107.7944% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 5,755 |
| Loan loss allowance to noncurrent loans | 15.6411% | 6,964 |
| Noncurrent assets plus other real estate owned to assets | 7.0795% | 762 |
| Noncurrent loans to loans | 7.3272% | 751 |
| Net loans and leases to total assets | 69.8369% | 2,570 |
| Net loans and leases to deposits | 78.8969% | 3,355 |
| Net loans and leases to core deposits | 80.7535% | 4,099 |
| Total domestic deposits to total assets | 88.5167% | 1,935 |
| Equity capital to assets | 10.3308% | 3,350 |
| Core capital (leverage) ratio | 9.7922% | 3,327 |
| Tier 1 risk-based capital ratio | 12.7196% | 4,844 |
| Total risk-based capital ratio | 13.7162% | 5,039 |
| Memoranda: | ||
| Average total assets | $89,942,000 | 5,289 |
| Average earning assets | $81,080,200 | 5,304 |
| Average equity | $9,121,000 | 5,388 |
| Average total loans | $64,417,600 | 4,894 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8597% | 1,231 |
| Cost of funding earning assets | 0.8732% | 6,495 |
| Net interest margin | 4.9865% | 453 |
| Noninterest income to average assets | 0.3787% | 5,129 |
| Noninterest expense to average assets | 2.9163% | 4,022 |
| Loan and lease loss provision to assets | 0.5210% | 2,850 |
| Net operating income to assets | 1.4339% | 1,050 |
| Return on assets (ROA) | 1.4339% | 1,117 |
| Pretax return on assets | 1.4339% | 1,788 |
| Return on Equity (ROE) | 14.2030% | 989 |
| Retained earnings to average equity (ytd only) | 0.0291% | 5,766 |
| Net charge-offs to loans | 0.4208% | 3,607 |
| Credit loss provision to net charge-offs | 172.3301% | 2,144 |
| Earnings coverage of net charge-offs (x) | 6.4660% | 2,519 |
| Efficiency ratio | 59.8674% | 5,974 |
| Assets per employee ($millions) | 3.3735% | 5,269 |
| Cash dividends to net income (ytd only)* | 99.7958% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 5,543 |
| Loan loss allowance to noncurrent loans | 65.0888% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 3.3782% | 2,109 |
| Noncurrent loans to loans | 1.8302% | 3,894 |
| Net loans and leases to total assets | 70.1180% | 2,707 |
| Net loans and leases to deposits | 79.1050% | 3,617 |
| Net loans and leases to core deposits | 80.8627% | 4,400 |
| Total domestic deposits to total assets | 88.6392% | 1,600 |
| Equity capital to assets | 10.0961% | 4,025 |
| Core capital (leverage) ratio | 9.9247% | 3,328 |
| Tier 1 risk-based capital ratio | 12.3259% | 5,150 |
| Total risk-based capital ratio | 13.3784% | 5,299 |
| Memoranda: | ||
| Average total assets | $90,844,000 | 5,329 |
| Average earning assets | $81,845,250 | 5,347 |
| Average equity | $9,171,500 | 5,439 |
| Average total loans | $65,274,000 | 4,932 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8266% | 1,355 |
| Cost of funding earning assets | 0.9107% | 6,533 |
| Net interest margin | 4.9159% | 517 |
| Noninterest income to average assets | 0.3790% | 5,091 |
| Noninterest expense to average assets | 2.8976% | 4,086 |
| Loan and lease loss provision to assets | 0.5288% | 2,671 |
| Net operating income to assets | 1.3772% | 1,132 |
| Return on assets (ROA) | 1.3772% | 1,202 |
| Pretax return on assets | 1.3772% | 1,892 |
| Return on Equity (ROE) | 13.6413% | 1,110 |
| Retained earnings to average equity (ytd only) | -0.5457% | 5,860 |
| Net charge-offs to loans | 0.2596% | 4,050 |
| Credit loss provision to net charge-offs | 282.3529% | 1,314 |
| Earnings coverage of net charge-offs (x) | 10.1765% | 1,928 |
| Efficiency ratio | 60.3211% | 5,993 |
| Assets per employee ($millions) | 3.3113% | 5,408 |
| Cash dividends to net income (ytd only)* | 104.0000% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 5,563 |
| Loan loss allowance to noncurrent loans | 44.9074% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 4.0121% | 1,721 |
| Noncurrent loans to loans | 2.6237% | 3,016 |
| Net loans and leases to total assets | 72.7988% | 2,213 |
| Net loans and leases to deposits | 83.1757% | 3,039 |
| Net loans and leases to core deposits | 85.0807% | 3,981 |
| Total domestic deposits to total assets | 87.5240% | 2,245 |
| Equity capital to assets | 10.2479% | 3,708 |
| Core capital (leverage) ratio | 9.8679% | 3,317 |
| Tier 1 risk-based capital ratio | 12.0593% | 5,259 |
| Total risk-based capital ratio | 13.1003% | 5,414 |
| Memoranda: | ||
| Average total assets | $90,763,670 | 5,362 |
| Average earning assets | $81,693,670 | 5,382 |
| Average equity | $9,163,330 | 5,453 |
| Average total loans | $65,486,330 | 4,960 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8618% | 1,290 |
| Cost of funding earning assets | 0.9381% | 6,624 |
| Net interest margin | 4.9237% | 493 |
| Noninterest income to average assets | 0.3543% | 5,304 |
| Noninterest expense to average assets | 2.9308% | 3,949 |
| Loan and lease loss provision to assets | 0.1968% | 4,531 |
| Net operating income to assets | 1.6579% | 674 |
| Return on assets (ROA) | 1.6579% | 723 |
| Pretax return on assets | 1.6579% | 1,143 |
| Return on Equity (ROE) | 16.5430% | 648 |
| Retained earnings to average equity (ytd only) | 2.3570% | 4,728 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2431% | 5,955 |
| Assets per employee ($millions) | 3.3659% | 5,384 |
| Cash dividends to net income (ytd only)* | 85.7520% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 6,381 |
| Loan loss allowance to noncurrent loans | 242.1818% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 2.6222% | 2,778 |
| Noncurrent loans to loans | 0.4192% | 6,458 |
| Net loans and leases to total assets | 71.4507% | 2,578 |
| Net loans and leases to deposits | 84.1766% | 2,911 |
| Net loans and leases to core deposits | 86.4759% | 3,827 |
| Total domestic deposits to total assets | 84.8819% | 3,732 |
| Equity capital to assets | 10.1081% | 3,739 |
| Core capital (leverage) ratio | 9.9445% | 3,234 |
| Tier 1 risk-based capital ratio | 12.0666% | 5,131 |
| Total risk-based capital ratio | 12.9527% | 5,444 |
| Memoranda: | ||
| Average total assets | $91,443,500 | 5,404 |
| Average earning assets | $82,295,000 | 5,427 |
| Average equity | $9,164,000 | 5,494 |
| Average total loans | $65,299,000 | 5,027 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2135% | 1,204 |
| Cost of funding earning assets | 1.2450% | 6,490 |
| Net interest margin | 4.9685% | 480 |
| Noninterest income to average assets | 0.5218% | 4,242 |
| Noninterest expense to average assets | 3.1466% | 3,563 |
| Loan and lease loss provision to assets | 0.2570% | 5,337 |
| Net operating income to assets | 1.5510% | 611 |
| Return on assets (ROA) | 1.5510% | 646 |
| Pretax return on assets | 1.5510% | 1,072 |
| Return on Equity (ROE) | 14.9488% | 681 |
| Retained earnings to average equity (ytd only) | -1.2062% | 5,312 |
| Net charge-offs to loans | 0.9344% | 2,527 |
| Credit loss provision to net charge-offs | 37.5204% | 6,850 |
| Earnings coverage of net charge-offs (x) | 2.6395% | 3,796 |
| Efficiency ratio | 63.5092% | 5,864 |
| Assets per employee ($millions) | 3.2860% | 5,521 |
| Cash dividends to net income (ytd only)* | 108.0692% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9554% | 6,609 |
| Loan loss allowance to noncurrent loans | 341.2088% | 949 |
| Noncurrent assets plus other real estate owned to assets | 2.5161% | 2,778 |
| Noncurrent loans to loans | 0.2800% | 6,728 |
| Net loans and leases to total assets | 69.9692% | 3,265 |
| Net loans and leases to deposits | 78.5529% | 4,263 |
| Net loans and leases to core deposits | 82.4271% | 5,880 |
| Total domestic deposits to total assets | 89.0728% | 1,451 |
| Equity capital to assets | 9.9360% | 3,854 |
| Core capital (leverage) ratio | 9.7410% | 3,396 |
| Tier 1 risk-based capital ratio | 11.9252% | 5,009 |
| Total risk-based capital ratio | 12.7467% | 5,360 |
| Memoranda: | ||
| Average total assets | $89,492,800 | 5,406 |
| Average earning assets | $79,842,400 | 5,463 |
| Average equity | $9,285,000 | 5,512 |
| Average total loans | $65,600,600 | 5,039 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2717% | 1,194 |
| Cost of funding earning assets | 1.3019% | 6,556 |
| Net interest margin | 4.9698% | 475 |
| Noninterest income to average assets | 0.5566% | 4,033 |
| Noninterest expense to average assets | 3.1388% | 3,504 |
| Loan and lease loss provision to assets | 0.1245% | 6,110 |
| Net operating income to assets | 1.7149% | 545 |
| Return on assets (ROA) | 1.7149% | 578 |
| Pretax return on assets | 1.7149% | 944 |
| Return on Equity (ROE) | 16.3502% | 612 |
| Retained earnings to average equity (ytd only) | 0.2575% | 5,092 |
| Net charge-offs to loans | 0.2697% | 4,353 |
| Credit loss provision to net charge-offs | 62.4060% | 6,133 |
| Earnings coverage of net charge-offs (x) | 9.2180% | 2,133 |
| Efficiency ratio | 63.0500% | 5,914 |
| Assets per employee ($millions) | 3.4599% | 5,025 |
| Cash dividends to net income (ytd only)* | 98.4252% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 3,642 |
| Loan loss allowance to noncurrent loans | 113.3017% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 3.5518% | 1,864 |
| Noncurrent loans to loans | 1.2888% | 4,784 |
| Net loans and leases to total assets | 68.9125% | 3,739 |
| Net loans and leases to deposits | 77.5839% | 4,804 |
| Net loans and leases to core deposits | 81.8710% | 6,202 |
| Total domestic deposits to total assets | 88.8232% | 1,282 |
| Equity capital to assets | 9.9982% | 4,087 |
| Core capital (leverage) ratio | 9.8965% | 3,403 |
| Tier 1 risk-based capital ratio | 12.2215% | 4,769 |
| Total risk-based capital ratio | 13.4712% | 4,719 |
| Memoranda: | ||
| Average total assets | $88,863,750 | 5,459 |
| Average earning assets | $79,062,750 | 5,523 |
| Average equity | $9,320,750 | 5,550 |
| Average total loans | $65,751,000 | 5,073 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4332% | 933 |
| Cost of funding earning assets | 1.3466% | 6,662 |
| Net interest margin | 5.0866% | 366 |
| Noninterest income to average assets | 0.5885% | 3,780 |
| Noninterest expense to average assets | 3.1369% | 3,553 |
| Loan and lease loss provision to assets | 0.1374% | 5,701 |
| Net operating income to assets | 1.8203% | 438 |
| Return on assets (ROA) | 1.8203% | 483 |
| Pretax return on assets | 1.8203% | 814 |
| Return on Equity (ROE) | 17.0705% | 572 |
| Retained earnings to average equity (ytd only) | 0.9663% | 4,793 |
| Net charge-offs to loans | 0.2246% | 4,090 |
| Credit loss provision to net charge-offs | 81.0811% | 5,163 |
| Earnings coverage of net charge-offs (x) | 11.5541% | 1,894 |
| Efficiency ratio | 61.5730% | 6,305 |
| Assets per employee ($millions) | 3.5013% | 4,817 |
| Cash dividends to net income (ytd only)* | 94.3396% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 3,262 |
| Loan loss allowance to noncurrent loans | 105.7692% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 3.1526% | 1,995 |
| Noncurrent loans to loans | 1.4065% | 4,397 |
| Net loans and leases to total assets | 72.0163% | 3,224 |
| Net loans and leases to deposits | 81.2331% | 4,353 |
| Net loans and leases to core deposits | 86.2779% | 5,875 |
| Total domestic deposits to total assets | 88.6538% | 1,457 |
| Equity capital to assets | 10.2071% | 3,710 |
| Core capital (leverage) ratio | 10.2267% | 3,064 |
| Tier 1 risk-based capital ratio | 12.1189% | 4,827 |
| Total risk-based capital ratio | 13.3690% | 4,734 |
| Memoranda: | ||
| Average total assets | $87,346,000 | 5,542 |
| Average earning assets | $77,379,330 | 5,617 |
| Average equity | $9,314,330 | 5,573 |
| Average total loans | $65,891,330 | 5,113 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6129% | 692 |
| Cost of funding earning assets | 1.3709% | 6,813 |
| Net interest margin | 5.2420% | 263 |
| Noninterest income to average assets | 0.5427% | 3,980 |
| Noninterest expense to average assets | 3.2233% | 2,885 |
| Loan and lease loss provision to assets | 0.1778% | 4,680 |
| Net operating income to assets | 1.8105% | 520 |
| Return on assets (ROA) | 1.8105% | 577 |
| Pretax return on assets | 1.8105% | 961 |
| Return on Equity (ROE) | 16.5996% | 738 |
| Retained earnings to average equity (ytd only) | 0.5147% | 5,451 |
| Net charge-offs to loans | 0.0183% | 5,317 |
| Credit loss provision to net charge-offs | 1,266.6667% | 492 |
| Earnings coverage of net charge-offs (x) | 141.6667% | 310 |
| Efficiency ratio | 61.8492% | 6,082 |
| Assets per employee ($millions) | 3.3020% | 5,318 |
| Cash dividends to net income (ytd only)* | 96.8992% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 2,636 |
| Loan loss allowance to noncurrent loans | 206.1508% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 2.9213% | 1,948 |
| Noncurrent loans to loans | 0.7626% | 5,524 |
| Net loans and leases to total assets | 75.7688% | 2,329 |
| Net loans and leases to deposits | 86.0915% | 3,613 |
| Net loans and leases to core deposits | 91.9369% | 5,348 |
| Total domestic deposits to total assets | 88.0096% | 1,744 |
| Equity capital to assets | 10.8536% | 3,119 |
| Core capital (leverage) ratio | 10.6887% | 2,750 |
| Tier 1 risk-based capital ratio | 12.2339% | 4,763 |
| Total risk-based capital ratio | 13.4857% | 4,671 |
| Memoranda: | ||
| Average total assets | $85,501,500 | 5,627 |
| Average earning assets | $76,154,000 | 5,691 |
| Average equity | $9,325,500 | 5,594 |
| Average total loans | $65,562,000 | 5,149 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3258% | 565 |
| Cost of funding earning assets | 1.7279% | 7,196 |
| Net interest margin | 5.5979% | 179 |
| Noninterest income to average assets | 0.3848% | 5,601 |
| Noninterest expense to average assets | 3.1904% | 3,371 |
| Loan and lease loss provision to assets | 0.1271% | 5,738 |
| Net operating income to assets | 2.0499% | 318 |
| Return on assets (ROA) | 2.0499% | 298 |
| Pretax return on assets | 2.0499% | 535 |
| Return on Equity (ROE) | 17.9835% | 528 |
| Retained earnings to average equity (ytd only) | -14.9626% | 7,453 |
| Net charge-offs to loans | 0.4624% | 2,515 |
| Credit loss provision to net charge-offs | 36.1842% | 6,481 |
| Earnings coverage of net charge-offs (x) | 6.1974% | 3,417 |
| Efficiency ratio | 59.4403% | 6,447 |
| Assets per employee ($millions) | 3.2750% | 5,276 |
| Cash dividends to net income (ytd only)* | 183.2018% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5438% | 2,476 |
| Loan loss allowance to noncurrent loans | 2,182.6087% | 273 |
| Noncurrent assets plus other real estate owned to assets | 2.2595% | 2,158 |
| Noncurrent loans to loans | 0.0707% | 7,222 |
| Net loans and leases to total assets | 75.1982% | 2,832 |
| Net loans and leases to deposits | 86.6961% | 4,005 |
| Net loans and leases to core deposits | 92.1562% | 5,623 |
| Total domestic deposits to total assets | 86.7377% | 2,072 |
| Equity capital to assets | 10.9605% | 3,077 |
| Core capital (leverage) ratio | 10.6087% | 2,897 |
| Tier 1 risk-based capital ratio | 12.4923% | 4,443 |
| Total risk-based capital ratio | 13.7433% | 4,345 |
| Memoranda: | ||
| Average total assets | $86,540,400 | 5,461 |
| Average earning assets | $77,028,800 | 5,546 |
| Average equity | $9,864,600 | 5,447 |
| Average total loans | $65,744,200 | 5,033 |