Home > Security State Bank of Wanamingo > Performance and Condition Ratios
Security State Bank of Wanamingo, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9584% | 1,348 |
| Cost of funding earning assets | 1.8522% | 2,588 |
| Net interest margin | 4.1062% | 1,050 |
| Noninterest income to average assets | 0.2700% | 3,250 |
| Noninterest expense to average assets | 2.2019% | 3,135 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 2.0593% | 355 |
| Return on assets (ROA) | 2.0802% | 349 |
| Pretax return on assets | 2.0813% | 522 |
| Return on Equity (ROE) | 17.8200% | 585 |
| Retained earnings to average equity (ytd only) | 8.8471% | 845 |
| Net charge-offs to loans | 0.0157% | 2,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 156.5833% | 601 |
| Efficiency ratio | 51.6594% | 3,898 |
| Assets per employee ($millions) | 8.7591% | 1,159 |
| Cash dividends to net income (ytd only)* | 50.3426% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9608% | 3,421 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 83.3400% | 325 |
| Net loans and leases to deposits | 96.4310% | 680 |
| Net loans and leases to core deposits | 120.5160% | 589 |
| Total domestic deposits to total assets | 86.4300% | 2,073 |
| Equity capital to assets | 11.6378% | 1,307 |
| Core capital (leverage) ratio | 11.9169% | 1,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $91,194,400 | 3,853 |
| Average earning assets | $88,597,800 | 3,798 |
| Average equity | $10,647,600 | 3,708 |
| Average total loans | $76,584,600 | 3,469 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8938% | 1,406 |
| Cost of funding earning assets | 1.7614% | 2,813 |
| Net interest margin | 4.1324% | 979 |
| Noninterest income to average assets | 0.2900% | 3,095 |
| Noninterest expense to average assets | 2.1859% | 3,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.1103% | 361 |
| Return on assets (ROA) | 2.1385% | 356 |
| Pretax return on assets | 2.1400% | 517 |
| Return on Equity (ROE) | 18.3000% | 551 |
| Retained earnings to average equity (ytd only) | 7.7666% | 1,462 |
| Net charge-offs to loans | 0.0212% | 1,942 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 118.6667% | 717 |
| Efficiency ratio | 50.8627% | 3,933 |
| Assets per employee ($millions) | 8.4880% | 1,267 |
| Cash dividends to net income (ytd only)* | 57.5589% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 3,291 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 83.2500% | 313 |
| Net loans and leases to deposits | 96.5649% | 681 |
| Net loans and leases to core deposits | 120.6957% | 599 |
| Total domestic deposits to total assets | 86.2100% | 1,856 |
| Equity capital to assets | 11.8285% | 1,348 |
| Core capital (leverage) ratio | 12.2521% | 1,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $89,905,500 | 3,881 |
| Average earning assets | $87,275,500 | 3,822 |
| Average equity | $10,506,250 | 3,730 |
| Average total loans | $75,460,750 | 3,489 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7569% | 1,514 |
| Cost of funding earning assets | 1.6418% | 2,990 |
| Net interest margin | 4.1150% | 980 |
| Noninterest income to average assets | 0.3000% | 2,991 |
| Noninterest expense to average assets | 2.2310% | 2,997 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.0710% | 399 |
| Return on assets (ROA) | 2.1138% | 372 |
| Pretax return on assets | 2.1160% | 548 |
| Return on Equity (ROE) | 18.1700% | 602 |
| Retained earnings to average equity (ytd only) | 4.5124% | 2,521 |
| Net charge-offs to loans | 0.0322% | 1,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 76.6667% | 906 |
| Efficiency ratio | 51.8325% | 3,910 |
| Assets per employee ($millions) | 9.0479% | 987 |
| Cash dividends to net income (ytd only)* | 75.1599% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 3,135 |
| Loan loss allowance to noncurrent loans | 395.4315% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.2177% | 2,321 |
| Noncurrent loans to loans | 0.2600% | 2,443 |
| Net loans and leases to total assets | 82.8800% | 393 |
| Net loans and leases to deposits | 96.8173% | 730 |
| Net loans and leases to core deposits | 120.3496% | 622 |
| Total domestic deposits to total assets | 85.6000% | 2,113 |
| Equity capital to assets | 11.5706% | 1,321 |
| Core capital (leverage) ratio | 12.0619% | 1,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $88,751,333 | 3,908 |
| Average earning assets | $86,366,333 | 3,847 |
| Average equity | $10,327,000 | 3,741 |
| Average total loans | $74,445,333 | 3,517 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5410% | 1,738 |
| Cost of funding earning assets | 1.4742% | 3,243 |
| Net interest margin | 4.0668% | 1,003 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 2.0026% | 3,570 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.2028% | 347 |
| Return on assets (ROA) | 2.2893% | 309 |
| Pretax return on assets | 2.2893% | 432 |
| Return on Equity (ROE) | 19.6200% | 467 |
| Retained earnings to average equity (ytd only) | -3.0031% | 4,010 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 47.6190% | 4,121 |
| Assets per employee ($millions) | 8.8707% | 1,072 |
| Cash dividends to net income (ytd only)* | 115.3082% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 2,935 |
| Loan loss allowance to noncurrent loans | 860.8696% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 2,935 |
| Noncurrent loans to loans | 0.1245% | 2,989 |
| Net loans and leases to total assets | 82.3900% | 384 |
| Net loans and leases to deposits | 96.1935% | 703 |
| Net loans and leases to core deposits | 118.2512% | 682 |
| Total domestic deposits to total assets | 85.6500% | 2,207 |
| Equity capital to assets | 11.4771% | 1,319 |
| Core capital (leverage) ratio | 12.1906% | 1,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $87,887,500 | 3,934 |
| Average earning assets | $85,472,000 | 3,874 |
| Average equity | $10,256,000 | 3,756 |
| Average total loans | $73,786,000 | 3,524 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0431% | 1,988 |
| Cost of funding earning assets | 0.9355% | 3,448 |
| Net interest margin | 4.1076% | 1,064 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.4436% | 2,461 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.7698% | 640 |
| Return on assets (ROA) | 1.8054% | 584 |
| Pretax return on assets | 1.8066% | 881 |
| Return on Equity (ROE) | 15.5300% | 1,191 |
| Retained earnings to average equity (ytd only) | 4.3581% | 2,846 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.9792% | 3,297 |
| Assets per employee ($millions) | 10.8835% | 545 |
| Cash dividends to net income (ytd only)* | 71.9448% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 2,960 |
| Loan loss allowance to noncurrent loans | 430.4348% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 2,169 |
| Noncurrent loans to loans | 0.2497% | 2,305 |
| Net loans and leases to total assets | 83.7300% | 291 |
| Net loans and leases to deposits | 98.2534% | 636 |
| Net loans and leases to core deposits | 119.9020% | 626 |
| Total domestic deposits to total assets | 85.2200% | 2,238 |
| Equity capital to assets | 11.8654% | 1,182 |
| Core capital (leverage) ratio | 12.2583% | 1,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $84,302,800 | 3,979 |
| Average earning assets | $82,091,800 | 3,906 |
| Average equity | $9,797,800 | 3,742 |
| Average total loans | $70,309,600 | 3,542 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9200% | 2,019 |
| Cost of funding earning assets | 0.8353% | 3,438 |
| Net interest margin | 4.0847% | 1,093 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.5482% | 2,090 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6552% | 852 |
| Return on assets (ROA) | 1.7031% | 785 |
| Pretax return on assets | 1.7047% | 1,152 |
| Return on Equity (ROE) | 14.7300% | 1,500 |
| Retained earnings to average equity (ytd only) | 1.3520% | 3,876 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.5992% | 2,900 |
| Assets per employee ($millions) | 9.4924% | 788 |
| Cash dividends to net income (ytd only)* | 90.8240% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1035% | 2,852 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 83.0800% | 358 |
| Net loans and leases to deposits | 97.1145% | 671 |
| Net loans and leases to core deposits | 116.8203% | 640 |
| Total domestic deposits to total assets | 85.5500% | 2,334 |
| Equity capital to assets | 11.3611% | 1,222 |
| Core capital (leverage) ratio | 12.4362% | 1,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $83,611,500 | 4,000 |
| Average earning assets | $81,407,750 | 3,935 |
| Average equity | $9,664,500 | 3,757 |
| Average total loans | $69,463,000 | 3,568 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7402% | 2,131 |
| Cost of funding earning assets | 0.7108% | 3,455 |
| Net interest margin | 4.0294% | 1,193 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.4505% | 2,355 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7132% | 763 |
| Return on assets (ROA) | 1.7854% | 675 |
| Pretax return on assets | 1.7879% | 1,033 |
| Return on Equity (ROE) | 15.3600% | 1,398 |
| Retained earnings to average equity (ytd only) | -2.1553% | 4,297 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.8201% | 3,097 |
| Assets per employee ($millions) | 10.3933% | 592 |
| Cash dividends to net income (ytd only)* | 114.0351% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 2,772 |
| Loan loss allowance to noncurrent loans | 2,475.0000% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 3,396 |
| Noncurrent loans to loans | 0.0459% | 3,389 |
| Net loans and leases to total assets | 82.9100% | 337 |
| Net loans and leases to deposits | 94.6324% | 811 |
| Net loans and leases to core deposits | 111.0315% | 782 |
| Total domestic deposits to total assets | 87.6100% | 1,744 |
| Equity capital to assets | 11.6650% | 1,151 |
| Core capital (leverage) ratio | 12.2668% | 1,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $83,004,667 | 4,020 |
| Average earning assets | $80,755,667 | 3,962 |
| Average equity | $9,650,667 | 3,780 |
| Average total loans | $68,693,333 | 3,588 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5711% | 2,147 |
| Cost of funding earning assets | 0.5428% | 3,556 |
| Net interest margin | 4.0283% | 1,214 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.8553% | 1,325 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2733% | 1,742 |
| Return on assets (ROA) | 1.4180% | 1,330 |
| Pretax return on assets | 1.4228% | 1,825 |
| Return on Equity (ROE) | 12.2200% | 2,162 |
| Retained earnings to average equity (ytd only) | -17.7011% | 4,578 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.0782% | 1,850 |
| Assets per employee ($millions) | 9.1491% | 888 |
| Cash dividends to net income (ytd only)* | 244.8980% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1619% | 2,762 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 81.8200% | 389 |
| Net loans and leases to deposits | 93.1104% | 843 |
| Net loans and leases to core deposits | 103.2253% | 956 |
| Total domestic deposits to total assets | 87.8700% | 1,967 |
| Equity capital to assets | 11.4826% | 1,159 |
| Core capital (leverage) ratio | 11.9772% | 1,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $82,934,000 | 4,073 |
| Average earning assets | $80,331,000 | 4,016 |
| Average equity | $9,626,500 | 3,827 |
| Average total loans | $68,176,500 | 3,636 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2981% | 1,053 |
| Cost of funding earning assets | 0.3182% | 2,735 |
| Net interest margin | 3.9798% | 811 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.1271% | 3,224 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.9857% | 304 |
| Return on assets (ROA) | 1.9772% | 300 |
| Pretax return on assets | 1.9772% | 503 |
| Return on Equity (ROE) | 17.3200% | 806 |
| Retained earnings to average equity (ytd only) | 7.6348% | 1,974 |
| Net charge-offs to loans | 0.0030% | 2,378 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 821.5000% | 224 |
| Efficiency ratio | 51.7191% | 4,008 |
| Assets per employee ($millions) | 8.3526% | 1,167 |
| Cash dividends to net income (ytd only)* | 55.9291% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 2,571 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 80.6900% | 529 |
| Net loans and leases to deposits | 91.9734% | 914 |
| Net loans and leases to core deposits | 101.5825% | 917 |
| Total domestic deposits to total assets | 87.7300% | 2,169 |
| Equity capital to assets | 11.7305% | 1,015 |
| Core capital (leverage) ratio | 12.3781% | 1,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $82,743,000 | 4,096 |
| Average earning assets | $78,872,400 | 4,052 |
| Average equity | $9,443,600 | 3,939 |
| Average total loans | $65,861,400 | 3,647 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2363% | 829 |
| Cost of funding earning assets | 0.2804% | 2,382 |
| Net interest margin | 3.9559% | 702 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.1240% | 3,148 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9932% | 287 |
| Return on assets (ROA) | 1.9915% | 288 |
| Pretax return on assets | 1.9915% | 474 |
| Return on Equity (ROE) | 17.5700% | 694 |
| Retained earnings to average equity (ytd only) | 6.3138% | 2,628 |
| Net charge-offs to loans | 0.0020% | 2,210 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,234.0000% | 114 |
| Efficiency ratio | 51.5889% | 4,039 |
| Assets per employee ($millions) | 8.2277% | 1,205 |
| Cash dividends to net income (ytd only)* | 64.0714% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 2,676 |
| Loan loss allowance to noncurrent loans | 792.0000% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 2,752 |
| Noncurrent loans to loans | 0.1482% | 2,869 |
| Net loans and leases to total assets | 81.0500% | 441 |
| Net loans and leases to deposits | 94.1467% | 634 |
| Net loans and leases to core deposits | 102.5938% | 714 |
| Total domestic deposits to total assets | 86.0900% | 3,048 |
| Equity capital to assets | 11.3483% | 1,057 |
| Core capital (leverage) ratio | 11.9053% | 1,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $82,547,250 | 4,124 |
| Average earning assets | $78,462,500 | 4,080 |
| Average equity | $9,355,000 | 3,996 |
| Average total loans | $65,279,000 | 3,672 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1241% | 737 |
| Cost of funding earning assets | 0.2741% | 1,968 |
| Net interest margin | 3.8500% | 674 |
| Noninterest income to average assets | 0.2299% | 3,811 |
| Noninterest expense to average assets | 2.0983% | 3,149 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7692% | 364 |
| Return on assets (ROA) | 1.7692% | 357 |
| Pretax return on assets | 1.7692% | 642 |
| Return on Equity (ROE) | 15.6180% | 769 |
| Retained earnings to average equity (ytd only) | 1.4101% | 3,897 |
| Net charge-offs to loans | 0.0031% | 1,952 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 731.0000% | 193 |
| Efficiency ratio | 54.2553% | 3,940 |
| Assets per employee ($millions) | 8.4222% | 1,101 |
| Cash dividends to net income (ytd only)* | 90.9713% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 2,708 |
| Loan loss allowance to noncurrent loans | 1,800.0000% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 3,464 |
| Noncurrent loans to loans | 0.0664% | 3,466 |
| Net loans and leases to total assets | 77.7754% | 570 |
| Net loans and leases to deposits | 87.6601% | 863 |
| Net loans and leases to core deposits | 87.9567% | 1,225 |
| Total domestic deposits to total assets | 88.7238% | 2,288 |
| Equity capital to assets | 10.9698% | 1,224 |
| Core capital (leverage) ratio | 11.2682% | 1,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,637,333 | 4,167 |
| Average earning assets | $78,077,667 | 4,139 |
| Average equity | $9,361,000 | 4,064 |
| Average total loans | $64,546,000 | 3,716 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1664% | 558 |
| Cost of funding earning assets | 0.2830% | 1,789 |
| Net interest margin | 3.8834% | 524 |
| Noninterest income to average assets | 0.2297% | 3,775 |
| Noninterest expense to average assets | 2.0771% | 3,232 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7741% | 349 |
| Return on assets (ROA) | 1.7741% | 349 |
| Pretax return on assets | 1.7741% | 579 |
| Return on Equity (ROE) | 15.4107% | 595 |
| Retained earnings to average equity (ytd only) | -7.5143% | 4,513 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9340% | 4,055 |
| Assets per employee ($millions) | 6.8974% | 2,068 |
| Cash dividends to net income (ytd only)* | 148.7603% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 2,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 77.5012% | 414 |
| Net loans and leases to deposits | 87.4009% | 655 |
| Net loans and leases to core deposits | 87.7020% | 1,037 |
| Total domestic deposits to total assets | 88.6733% | 2,219 |
| Equity capital to assets | 11.0500% | 1,307 |
| Core capital (leverage) ratio | 11.2275% | 1,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,845,000 | 4,198 |
| Average earning assets | $76,325,500 | 4,183 |
| Average equity | $9,422,000 | 4,120 |
| Average total loans | $63,671,000 | 3,735 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7369% | 400 |
| Cost of funding earning assets | 0.3346% | 2,070 |
| Net interest margin | 4.4023% | 332 |
| Noninterest income to average assets | 0.2295% | 4,003 |
| Noninterest expense to average assets | 2.3000% | 2,795 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.1101% | 279 |
| Return on assets (ROA) | 2.1259% | 292 |
| Pretax return on assets | 2.1273% | 470 |
| Return on Equity (ROE) | 17.3602% | 536 |
| Retained earnings to average equity (ytd only) | 10.6832% | 768 |
| Net charge-offs to loans | -0.0090% | 3,702 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1375% | 4,106 |
| Assets per employee ($millions) | 8.0921% | 1,282 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 2,492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 76.1347% | 512 |
| Net loans and leases to deposits | 86.7574% | 731 |
| Net loans and leases to core deposits | 87.0651% | 1,132 |
| Total domestic deposits to total assets | 87.7560% | 2,172 |
| Equity capital to assets | 11.9845% | 1,257 |
| Core capital (leverage) ratio | 12.0171% | 1,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,825,000 | 4,270 |
| Average earning assets | $72,030,200 | 4,234 |
| Average equity | $9,285,600 | 4,215 |
| Average total loans | $55,727,800 | 3,898 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 354 |
| Cost of funding earning assets | 0.3449% | 2,166 |
| Net interest margin | 4.5508% | 288 |
| Noninterest income to average assets | 0.2253% | 4,056 |
| Noninterest expense to average assets | 2.3607% | 2,562 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.2051% | 324 |
| Return on assets (ROA) | 2.2266% | 326 |
| Pretax return on assets | 2.2284% | 518 |
| Return on Equity (ROE) | 18.0774% | 621 |
| Retained earnings to average equity (ytd only) | 10.8174% | 1,102 |
| Net charge-offs to loans | -0.0173% | 3,909 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6836% | 4,053 |
| Assets per employee ($millions) | 7.5711% | 1,527 |
| Cash dividends to net income (ytd only)* | 40.1606% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 2,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 76.1025% | 545 |
| Net loans and leases to deposits | 87.4245% | 744 |
| Net loans and leases to core deposits | 87.7587% | 1,165 |
| Total domestic deposits to total assets | 87.0494% | 2,336 |
| Equity capital to assets | 12.5662% | 1,146 |
| Core capital (leverage) ratio | 12.0042% | 1,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,551,000 | 4,338 |
| Average earning assets | $71,136,500 | 4,299 |
| Average equity | $9,182,500 | 4,284 |
| Average total loans | $54,059,250 | 3,979 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2638% | 231 |
| Cost of funding earning assets | 0.3568% | 2,259 |
| Net interest margin | 4.9070% | 190 |
| Noninterest income to average assets | 0.2211% | 4,084 |
| Noninterest expense to average assets | 2.4324% | 2,360 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.4594% | 233 |
| Return on assets (ROA) | 2.4918% | 237 |
| Pretax return on assets | 2.4945% | 361 |
| Return on Equity (ROE) | 20.3704% | 424 |
| Retained earnings to average equity (ytd only) | 12.1032% | 892 |
| Net charge-offs to loans | -0.0266% | 4,110 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6970% | 4,254 |
| Assets per employee ($millions) | 6.8499% | 1,910 |
| Cash dividends to net income (ytd only)* | 40.5844% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 2,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 76.2080% | 571 |
| Net loans and leases to deposits | 87.3950% | 817 |
| Net loans and leases to core deposits | 87.7301% | 1,285 |
| Total domestic deposits to total assets | 87.1996% | 2,218 |
| Equity capital to assets | 12.4103% | 1,175 |
| Core capital (leverage) ratio | 11.9283% | 1,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,164,333 | 4,368 |
| Average earning assets | $70,633,333 | 4,332 |
| Average equity | $9,072,000 | 4,319 |
| Average total loans | $52,608,000 | 4,032 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6211% | 168 |
| Cost of funding earning assets | 0.3801% | 2,261 |
| Net interest margin | 5.2410% | 143 |
| Noninterest income to average assets | 0.2066% | 4,146 |
| Noninterest expense to average assets | 2.6804% | 1,669 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.4683% | 278 |
| Return on assets (ROA) | 2.4683% | 300 |
| Pretax return on assets | 2.4738% | 455 |
| Return on Equity (ROE) | 20.3303% | 509 |
| Retained earnings to average equity (ytd only) | 9.1352% | 1,906 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0042% | 3,989 |
| Assets per employee ($millions) | 6.7846% | 1,951 |
| Cash dividends to net income (ytd only)* | 55.0661% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 1,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 67.3634% | 1,618 |
| Net loans and leases to deposits | 77.7898% | 1,741 |
| Net loans and leases to core deposits | 77.7898% | 2,204 |
| Total domestic deposits to total assets | 86.5967% | 2,483 |
| Equity capital to assets | 12.0339% | 1,265 |
| Core capital (leverage) ratio | 11.9001% | 1,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,572,000 | 4,392 |
| Average earning assets | $69,452,000 | 4,363 |
| Average equity | $8,932,500 | 4,345 |
| Average total loans | $49,803,500 | 4,108 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1329% | 2,330 |
| Cost of funding earning assets | 0.4987% | 2,957 |
| Net interest margin | 3.6342% | 2,028 |
| Noninterest income to average assets | 0.1184% | 4,677 |
| Noninterest expense to average assets | 2.4004% | 3,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2739% | 1,321 |
| Return on assets (ROA) | 1.2739% | 1,423 |
| Pretax return on assets | 1.2753% | 2,062 |
| Return on Equity (ROE) | 10.2635% | 1,902 |
| Retained earnings to average equity (ytd only) | 3.2815% | 3,187 |
| Net charge-offs to loans | 0.0248% | 2,546 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 80.2727% | 892 |
| Efficiency ratio | 65.3045% | 2,635 |
| Assets per employee ($millions) | 6.5921% | 1,855 |
| Cash dividends to net income (ytd only)* | 68.0272% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 1,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 65.8613% | 2,112 |
| Net loans and leases to deposits | 76.2907% | 2,254 |
| Net loans and leases to core deposits | 77.5292% | 2,590 |
| Total domestic deposits to total assets | 86.3293% | 2,217 |
| Equity capital to assets | 12.2516% | 1,448 |
| Core capital (leverage) ratio | 11.7176% | 1,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,237,800 | 4,397 |
| Average earning assets | $67,773,200 | 4,325 |
| Average equity | $8,593,600 | 4,361 |
| Average total loans | $44,315,400 | 4,216 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2131% | 2,362 |
| Cost of funding earning assets | 0.5256% | 3,074 |
| Net interest margin | 3.6875% | 1,984 |
| Noninterest income to average assets | 0.1189% | 4,688 |
| Noninterest expense to average assets | 2.3872% | 3,177 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3388% | 1,262 |
| Return on assets (ROA) | 1.3388% | 1,358 |
| Pretax return on assets | 1.3407% | 1,904 |
| Return on Equity (ROE) | 10.7496% | 1,761 |
| Retained earnings to average equity (ytd only) | 2.3001% | 3,824 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0355% | 2,725 |
| Assets per employee ($millions) | 6.2431% | 2,052 |
| Cash dividends to net income (ytd only)* | 78.6026% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6475% | 987 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 69.4571% | 2,032 |
| Net loans and leases to deposits | 80.7965% | 2,223 |
| Net loans and leases to core deposits | 80.7965% | 2,772 |
| Total domestic deposits to total assets | 85.9656% | 2,088 |
| Equity capital to assets | 12.7850% | 1,288 |
| Core capital (leverage) ratio | 12.0511% | 1,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,419,000 | 4,419 |
| Average earning assets | $66,964,000 | 4,345 |
| Average equity | $8,521,000 | 4,387 |
| Average total loans | $43,257,750 | 4,273 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0679% | 3,135 |
| Cost of funding earning assets | 0.5559% | 3,205 |
| Net interest margin | 3.5120% | 2,747 |
| Noninterest income to average assets | 0.1610% | 4,487 |
| Noninterest expense to average assets | 2.3678% | 3,353 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2293% | 1,549 |
| Return on assets (ROA) | 1.2293% | 1,675 |
| Pretax return on assets | 1.2322% | 2,247 |
| Return on Equity (ROE) | 9.9589% | 1,996 |
| Retained earnings to average equity (ytd only) | -0.4742% | 4,400 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7724% | 2,555 |
| Assets per employee ($millions) | 6.1833% | 2,037 |
| Cash dividends to net income (ytd only)* | 104.7619% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8246% | 620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 63.2072% | 2,979 |
| Net loans and leases to deposits | 73.4111% | 3,130 |
| Net loans and leases to core deposits | 73.4111% | 3,495 |
| Total domestic deposits to total assets | 86.1003% | 1,970 |
| Equity capital to assets | 12.6661% | 1,302 |
| Core capital (leverage) ratio | 12.0177% | 1,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,334,000 | 4,429 |
| Average earning assets | $66,913,667 | 4,359 |
| Average equity | $8,434,667 | 4,416 |
| Average total loans | $41,511,000 | 4,323 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0821% | 3,573 |
| Cost of funding earning assets | 0.6266% | 3,298 |
| Net interest margin | 3.4554% | 3,138 |
| Noninterest income to average assets | 0.1402% | 4,662 |
| Noninterest expense to average assets | 2.4119% | 3,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1096% | 1,816 |
| Return on assets (ROA) | 1.1096% | 1,909 |
| Pretax return on assets | 1.1096% | 2,484 |
| Return on Equity (ROE) | 9.1078% | 2,068 |
| Retained earnings to average equity (ytd only) | -7.1904% | 4,656 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4909% | 2,587 |
| Assets per employee ($millions) | 5.9736% | 1,703 |
| Cash dividends to net income (ytd only)* | 178.9474% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9852% | 510 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 60.0350% | 3,488 |
| Net loans and leases to deposits | 69.8447% | 3,607 |
| Net loans and leases to core deposits | 69.8447% | 3,888 |
| Total domestic deposits to total assets | 85.9550% | 2,017 |
| Equity capital to assets | 12.7834% | 1,556 |
| Core capital (leverage) ratio | 11.8354% | 1,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,493,000 | 4,435 |
| Average earning assets | $67,025,000 | 4,370 |
| Average equity | $8,344,500 | 4,450 |
| Average total loans | $40,371,500 | 4,367 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4354% | 3,150 |
| Cost of funding earning assets | 0.6411% | 3,454 |
| Net interest margin | 3.7944% | 2,515 |
| Noninterest income to average assets | 0.1693% | 4,644 |
| Noninterest expense to average assets | 2.3141% | 3,912 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5373% | 970 |
| Return on assets (ROA) | 1.5373% | 1,027 |
| Pretax return on assets | 1.5388% | 1,688 |
| Return on Equity (ROE) | 13.0636% | 1,147 |
| Retained earnings to average equity (ytd only) | 4.9856% | 2,427 |
| Net charge-offs to loans | 0.0117% | 3,272 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 207.2000% | 388 |
| Efficiency ratio | 60.0617% | 3,680 |
| Assets per employee ($millions) | 7.1276% | 994 |
| Cash dividends to net income (ytd only)* | 61.8357% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9731% | 476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 55.6934% | 3,942 |
| Net loans and leases to deposits | 63.8857% | 4,081 |
| Net loans and leases to core deposits | 63.8857% | 4,282 |
| Total domestic deposits to total assets | 87.1766% | 1,529 |
| Equity capital to assets | 11.6294% | 2,399 |
| Core capital (leverage) ratio | 12.0798% | 1,729 |
| Tier 1 risk-based capital ratio | 18.3786% | 1,673 |
| Total risk-based capital ratio | 19.6352% | 1,636 |
| Memoranda: | ||
| Average total assets | $67,326,400 | 4,478 |
| Average earning assets | $65,360,200 | 4,414 |
| Average equity | $7,922,800 | 4,518 |
| Average total loans | $42,855,800 | 4,342 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5398% | 2,926 |
| Cost of funding earning assets | 0.6414% | 3,498 |
| Net interest margin | 3.8984% | 2,261 |
| Noninterest income to average assets | 0.1749% | 4,669 |
| Noninterest expense to average assets | 2.3414% | 3,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6059% | 919 |
| Return on assets (ROA) | 1.6059% | 956 |
| Pretax return on assets | 1.6079% | 1,607 |
| Return on Equity (ROE) | 13.6033% | 1,078 |
| Retained earnings to average equity (ytd only) | 4.4095% | 3,188 |
| Net charge-offs to loans | 0.0154% | 2,850 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 159.9160% | 517 |
| Efficiency ratio | 59.2875% | 3,768 |
| Assets per employee ($millions) | 6.6595% | 1,182 |
| Cash dividends to net income (ytd only)* | 67.5841% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8670% | 581 |
| Loan loss allowance to noncurrent loans | 79,900.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,772 |
| Noncurrent loans to loans | 0.0023% | 4,684 |
| Net loans and leases to total assets | 63.0633% | 3,381 |
| Net loans and leases to deposits | 72.9469% | 3,560 |
| Net loans and leases to core deposits | 72.9469% | 3,891 |
| Total domestic deposits to total assets | 86.4509% | 1,794 |
| Equity capital to assets | 12.2457% | 2,079 |
| Core capital (leverage) ratio | 12.2241% | 1,718 |
| Tier 1 risk-based capital ratio | 16.7642% | 2,161 |
| Total risk-based capital ratio | 18.0175% | 2,108 |
| Memoranda: | ||
| Average total assets | $66,339,000 | 4,547 |
| Average earning assets | $64,230,750 | 4,487 |
| Average equity | $7,831,250 | 4,582 |
| Average total loans | $43,446,000 | 4,377 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5191% | 2,957 |
| Cost of funding earning assets | 0.6255% | 3,529 |
| Net interest margin | 3.8936% | 2,257 |
| Noninterest income to average assets | 0.1841% | 4,646 |
| Noninterest expense to average assets | 2.3335% | 3,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6090% | 888 |
| Return on assets (ROA) | 1.6090% | 929 |
| Pretax return on assets | 1.6090% | 1,521 |
| Return on Equity (ROE) | 13.8023% | 1,021 |
| Retained earnings to average equity (ytd only) | 2.4083% | 3,978 |
| Net charge-offs to loans | 0.0229% | 2,385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 106.6000% | 666 |
| Efficiency ratio | 59.1884% | 3,839 |
| Assets per employee ($millions) | 5.9869% | 1,554 |
| Cash dividends to net income (ytd only)* | 82.5516% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8080% | 672 |
| Loan loss allowance to noncurrent loans | 1,248.4375% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 4,269 |
| Noncurrent loans to loans | 0.1448% | 4,038 |
| Net loans and leases to total assets | 65.8907% | 3,123 |
| Net loans and leases to deposits | 76.0920% | 3,323 |
| Net loans and leases to core deposits | 76.0920% | 3,718 |
| Total domestic deposits to total assets | 86.5935% | 1,774 |
| Equity capital to assets | 12.1219% | 2,103 |
| Core capital (leverage) ratio | 12.0703% | 1,782 |
| Tier 1 risk-based capital ratio | 17.0811% | 2,062 |
| Total risk-based capital ratio | 18.3351% | 2,009 |
| Memoranda: | ||
| Average total assets | $66,253,670 | 4,582 |
| Average earning assets | $63,950,330 | 4,525 |
| Average equity | $7,723,330 | 4,619 |
| Average total loans | $43,662,670 | 4,399 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3979% | 3,235 |
| Cost of funding earning assets | 0.5864% | 3,645 |
| Net interest margin | 3.8115% | 2,485 |
| Noninterest income to average assets | 0.1806% | 4,668 |
| Noninterest expense to average assets | 2.2873% | 4,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5710% | 961 |
| Return on assets (ROA) | 1.5710% | 989 |
| Pretax return on assets | 1.5710% | 1,544 |
| Return on Equity (ROE) | 13.7486% | 1,023 |
| Retained earnings to average equity (ytd only) | -4.1615% | 4,875 |
| Net charge-offs to loans | 0.0092% | 2,367 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 261.0000% | 307 |
| Efficiency ratio | 59.2824% | 3,912 |
| Assets per employee ($millions) | 5.8836% | 1,635 |
| Cash dividends to net income (ytd only)* | 130.2682% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8274% | 670 |
| Loan loss allowance to noncurrent loans | 2,593.5484% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 4,591 |
| Noncurrent loans to loans | 0.0705% | 4,446 |
| Net loans and leases to total assets | 66.7398% | 2,939 |
| Net loans and leases to deposits | 76.8180% | 3,184 |
| Net loans and leases to core deposits | 76.8180% | 3,607 |
| Total domestic deposits to total assets | 86.8804% | 1,872 |
| Equity capital to assets | 11.8418% | 2,125 |
| Core capital (leverage) ratio | 11.9889% | 1,781 |
| Tier 1 risk-based capital ratio | 16.6211% | 2,221 |
| Total risk-based capital ratio | 17.8768% | 2,174 |
| Memoranda: | ||
| Average total assets | $66,452,500 | 4,632 |
| Average earning assets | $64,121,000 | 4,580 |
| Average equity | $7,593,500 | 4,672 |
| Average total loans | $43,398,000 | 4,445 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3407% | 2,958 |
| Cost of funding earning assets | 0.4681% | 3,563 |
| Net interest margin | 3.8726% | 2,420 |
| Noninterest income to average assets | 0.1906% | 4,763 |
| Noninterest expense to average assets | 2.4611% | 3,724 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3962% | 1,445 |
| Return on assets (ROA) | 1.3962% | 1,438 |
| Pretax return on assets | 1.3962% | 2,150 |
| Return on Equity (ROE) | 12.6511% | 1,486 |
| Retained earnings to average equity (ytd only) | 3.8789% | 3,447 |
| Net charge-offs to loans | 0.0375% | 2,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 57.6875% | 1,046 |
| Efficiency ratio | 63.8039% | 3,214 |
| Assets per employee ($millions) | 5.6821% | 1,786 |
| Cash dividends to net income (ytd only)* | 69.3391% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8786% | 594 |
| Loan loss allowance to noncurrent loans | 6,184.6154% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 4,786 |
| Noncurrent loans to loans | 0.0304% | 4,634 |
| Net loans and leases to total assets | 61.5883% | 3,607 |
| Net loans and leases to deposits | 70.1865% | 3,813 |
| Net loans and leases to core deposits | 70.1865% | 4,106 |
| Total domestic deposits to total assets | 87.7495% | 1,416 |
| Equity capital to assets | 11.0332% | 2,651 |
| Core capital (leverage) ratio | 11.9370% | 1,779 |
| Tier 1 risk-based capital ratio | 18.4286% | 1,636 |
| Total risk-based capital ratio | 19.6863% | 1,587 |
| Memoranda: | ||
| Average total assets | $66,107,800 | 4,654 |
| Average earning assets | $62,593,800 | 4,620 |
| Average equity | $7,295,800 | 4,709 |
| Average total loans | $42,686,000 | 4,478 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3291% | 2,855 |
| Cost of funding earning assets | 0.4443% | 3,569 |
| Net interest margin | 3.8848% | 2,361 |
| Noninterest income to average assets | 0.1972% | 4,796 |
| Noninterest expense to average assets | 2.4557% | 3,714 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4027% | 1,480 |
| Return on assets (ROA) | 1.4027% | 1,476 |
| Pretax return on assets | 1.4027% | 2,217 |
| Return on Equity (ROE) | 12.7087% | 1,536 |
| Retained earnings to average equity (ytd only) | 2.7628% | 4,326 |
| Net charge-offs to loans | 0.0500% | 2,115 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 43.1308% | 1,291 |
| Efficiency ratio | 63.6459% | 3,245 |
| Assets per employee ($millions) | 5.4765% | 1,934 |
| Cash dividends to net income (ytd only)* | 78.2604% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 715 |
| Loan loss allowance to noncurrent loans | 137.9074% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.8871% | 1,662 |
| Noncurrent loans to loans | 1.3101% | 1,278 |
| Net loans and leases to total assets | 66.4902% | 3,126 |
| Net loans and leases to deposits | 75.8690% | 3,431 |
| Net loans and leases to core deposits | 76.3409% | 3,778 |
| Total domestic deposits to total assets | 87.6381% | 1,423 |
| Equity capital to assets | 11.0533% | 2,612 |
| Core capital (leverage) ratio | 11.9218% | 1,829 |
| Tier 1 risk-based capital ratio | 15.3713% | 2,710 |
| Total risk-based capital ratio | 16.6240% | 2,635 |
| Memoranda: | ||
| Average total assets | $65,588,500 | 4,711 |
| Average earning assets | $61,812,000 | 4,681 |
| Average equity | $7,239,000 | 4,765 |
| Average total loans | $42,658,000 | 4,532 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2787% | 2,842 |
| Cost of funding earning assets | 0.4102% | 3,651 |
| Net interest margin | 3.8686% | 2,317 |
| Noninterest income to average assets | 0.1922% | 4,863 |
| Noninterest expense to average assets | 2.4838% | 3,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3060% | 1,749 |
| Return on assets (ROA) | 1.3060% | 1,744 |
| Pretax return on assets | 1.3060% | 2,485 |
| Return on Equity (ROE) | 11.8385% | 1,784 |
| Retained earnings to average equity (ytd only) | -0.3319% | 4,998 |
| Net charge-offs to loans | 0.0714% | 1,625 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 28.5333% | 1,553 |
| Efficiency ratio | 65.5395% | 3,055 |
| Assets per employee ($millions) | 5.8388% | 1,609 |
| Cash dividends to net income (ytd only)* | 102.8037% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8664% | 671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 65.9022% | 3,168 |
| Net loans and leases to deposits | 75.2868% | 3,414 |
| Net loans and leases to core deposits | 75.7666% | 3,760 |
| Total domestic deposits to total assets | 87.5348% | 1,627 |
| Equity capital to assets | 11.1666% | 2,484 |
| Core capital (leverage) ratio | 11.7545% | 1,867 |
| Tier 1 risk-based capital ratio | 15.6476% | 2,569 |
| Total risk-based capital ratio | 16.9023% | 2,516 |
| Memoranda: | ||
| Average total assets | $65,545,330 | 4,765 |
| Average earning assets | $60,952,670 | 4,751 |
| Average equity | $7,230,670 | 4,814 |
| Average total loans | $42,044,000 | 4,584 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2049% | 2,866 |
| Cost of funding earning assets | 0.3979% | 3,604 |
| Net interest margin | 3.8070% | 2,401 |
| Noninterest income to average assets | 0.1873% | 4,902 |
| Noninterest expense to average assets | 2.5315% | 3,555 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1238% | 2,317 |
| Return on assets (ROA) | 1.1238% | 2,332 |
| Pretax return on assets | 1.1238% | 3,074 |
| Return on Equity (ROE) | 10.2479% | 2,302 |
| Retained earnings to average equity (ytd only) | -8.4848% | 5,322 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2562% | 2,624 |
| Assets per employee ($millions) | 5.5844% | 1,862 |
| Cash dividends to net income (ytd only)* | 182.7957% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9448% | 607 |
| Loan loss allowance to noncurrent loans | 4,315.7895% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 4,955 |
| Noncurrent loans to loans | 0.0451% | 4,771 |
| Net loans and leases to total assets | 67.3032% | 2,852 |
| Net loans and leases to deposits | 76.2027% | 3,191 |
| Net loans and leases to core deposits | 76.7046% | 3,606 |
| Total domestic deposits to total assets | 88.3213% | 1,451 |
| Equity capital to assets | 11.5599% | 2,084 |
| Core capital (leverage) ratio | 11.8380% | 1,756 |
| Tier 1 risk-based capital ratio | 15.9555% | 2,497 |
| Total risk-based capital ratio | 17.2117% | 2,433 |
| Memoranda: | ||
| Average total assets | $66,204,500 | 4,810 |
| Average earning assets | $60,310,500 | 4,820 |
| Average equity | $7,260,000 | 4,858 |
| Average total loans | $41,500,000 | 4,644 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0458% | 3,257 |
| Cost of funding earning assets | 0.4194% | 3,057 |
| Net interest margin | 3.6264% | 3,079 |
| Noninterest income to average assets | 0.2152% | 4,865 |
| Noninterest expense to average assets | 2.3707% | 4,155 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2521% | 1,357 |
| Return on assets (ROA) | 1.2521% | 1,380 |
| Pretax return on assets | 1.2521% | 2,542 |
| Return on Equity (ROE) | 11.3018% | 1,393 |
| Retained earnings to average equity (ytd only) | 2.9554% | 3,532 |
| Net charge-offs to loans | 0.0586% | 2,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 34.4167% | 1,397 |
| Efficiency ratio | 65.4393% | 3,354 |
| Assets per employee ($millions) | 6.4528% | 1,233 |
| Cash dividends to net income (ytd only)* | 73.8499% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0080% | 532 |
| Loan loss allowance to noncurrent loans | 803.9216% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 4,430 |
| Noncurrent loans to loans | 0.2498% | 3,893 |
| Net loans and leases to total assets | 56.3771% | 4,152 |
| Net loans and leases to deposits | 63.0348% | 4,379 |
| Net loans and leases to core deposits | 63.3893% | 4,575 |
| Total domestic deposits to total assets | 89.4380% | 805 |
| Equity capital to assets | 10.4521% | 3,210 |
| Core capital (leverage) ratio | 11.6647% | 1,821 |
| Tier 1 risk-based capital ratio | 15.9491% | 2,450 |
| Total risk-based capital ratio | 17.2045% | 2,393 |
| Memoranda: | ||
| Average total assets | $65,971,400 | 4,848 |
| Average earning assets | $61,989,800 | 4,817 |
| Average equity | $7,308,600 | 4,893 |
| Average total loans | $40,933,000 | 4,706 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0360% | 3,225 |
| Cost of funding earning assets | 0.4251% | 2,926 |
| Net interest margin | 3.6109% | 3,106 |
| Noninterest income to average assets | 0.2246% | 4,870 |
| Noninterest expense to average assets | 2.4021% | 4,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2876% | 1,382 |
| Return on assets (ROA) | 1.2876% | 1,407 |
| Pretax return on assets | 1.2876% | 2,553 |
| Return on Equity (ROE) | 11.4450% | 1,508 |
| Retained earnings to average equity (ytd only) | -20.9673% | 5,683 |
| Net charge-offs to loans | 0.0716% | 2,103 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 28.4115% | 1,608 |
| Efficiency ratio | 65.1033% | 3,356 |
| Assets per employee ($millions) | 5.6955% | 1,723 |
| Cash dividends to net income (ytd only)* | 283.2007% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9963% | 570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 64.4108% | 3,332 |
| Net loans and leases to deposits | 73.3029% | 3,637 |
| Net loans and leases to core deposits | 73.7787% | 3,995 |
| Total domestic deposits to total assets | 87.8693% | 1,434 |
| Equity capital to assets | 11.8993% | 2,033 |
| Core capital (leverage) ratio | 11.6495% | 1,919 |
| Tier 1 risk-based capital ratio | 16.1037% | 2,455 |
| Total risk-based capital ratio | 17.3600% | 2,398 |
| Memoranda: | ||
| Average total assets | $64,719,000 | 4,923 |
| Average earning assets | $62,106,500 | 4,865 |
| Average equity | $7,281,000 | 4,948 |
| Average total loans | $40,957,000 | 4,745 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9375% | 3,416 |
| Cost of funding earning assets | 0.4326% | 2,777 |
| Net interest margin | 3.5050% | 3,378 |
| Noninterest income to average assets | 0.2232% | 4,912 |
| Noninterest expense to average assets | 2.3667% | 4,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2261% | 1,513 |
| Return on assets (ROA) | 1.2261% | 1,548 |
| Pretax return on assets | 1.2261% | 2,674 |
| Return on Equity (ROE) | 11.1034% | 1,600 |
| Retained earnings to average equity (ytd only) | -35.4146% | 5,750 |
| Net charge-offs to loans | 0.1614% | 1,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 12.1515% | 2,218 |
| Efficiency ratio | 65.8723% | 3,373 |
| Assets per employee ($millions) | 5.8355% | 1,588 |
| Cash dividends to net income (ytd only)* | 418.9526% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9552% | 649 |
| Loan loss allowance to noncurrent loans | 579.2857% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 4,284 |
| Noncurrent loans to loans | 0.3375% | 3,836 |
| Net loans and leases to total assets | 63.3572% | 3,474 |
| Net loans and leases to deposits | 71.6950% | 3,767 |
| Net loans and leases to core deposits | 72.1453% | 4,085 |
| Total domestic deposits to total assets | 88.3705% | 1,266 |
| Equity capital to assets | 11.4348% | 2,383 |
| Core capital (leverage) ratio | 11.2151% | 2,210 |
| Tier 1 risk-based capital ratio | 15.6823% | 2,628 |
| Total risk-based capital ratio | 16.9368% | 2,562 |
| Memoranda: | ||
| Average total assets | $65,408,330 | 4,942 |
| Average earning assets | $62,882,330 | 4,887 |
| Average equity | $7,223,000 | 4,976 |
| Average total loans | $40,884,000 | 4,778 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8146% | 3,715 |
| Cost of funding earning assets | 0.4414% | 2,603 |
| Net interest margin | 3.3733% | 3,741 |
| Noninterest income to average assets | 0.2424% | 4,797 |
| Noninterest expense to average assets | 2.3024% | 4,400 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1815% | 1,547 |
| Return on assets (ROA) | 1.1815% | 1,591 |
| Pretax return on assets | 1.1815% | 2,675 |
| Return on Equity (ROE) | 10.8870% | 1,609 |
| Retained earnings to average equity (ytd only) | -77.8840% | 5,836 |
| Net charge-offs to loans | 0.3252% | 569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 5.9091% | 2,249 |
| Efficiency ratio | 66.0870% | 3,481 |
| Assets per employee ($millions) | 5.9187% | 1,567 |
| Cash dividends to net income (ytd only)* | 815.3846% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9899% | 682 |
| Loan loss allowance to noncurrent loans | 559.3103% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.2227% | 4,329 |
| Noncurrent loans to loans | 0.3558% | 3,819 |
| Net loans and leases to total assets | 61.3523% | 3,617 |
| Net loans and leases to deposits | 69.6216% | 3,838 |
| Net loans and leases to core deposits | 70.5512% | 4,105 |
| Total domestic deposits to total assets | 88.1224% | 1,643 |
| Equity capital to assets | 10.9698% | 2,659 |
| Core capital (leverage) ratio | 11.0545% | 2,305 |
| Tier 1 risk-based capital ratio | 15.4631% | 2,771 |
| Total risk-based capital ratio | 16.7181% | 2,700 |
| Memoranda: | ||
| Average total assets | $66,017,500 | 4,982 |
| Average earning assets | $63,440,000 | 4,929 |
| Average equity | $7,164,500 | 5,033 |
| Average total loans | $40,586,000 | 4,829 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9020% | 3,564 |
| Cost of funding earning assets | 0.4903% | 2,160 |
| Net interest margin | 3.4117% | 3,783 |
| Noninterest income to average assets | 0.1943% | 5,244 |
| Noninterest expense to average assets | 2.4768% | 4,086 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9402% | 2,632 |
| Return on assets (ROA) | 0.9402% | 2,742 |
| Pretax return on assets | 0.9417% | 3,686 |
| Return on Equity (ROE) | 8.5543% | 2,641 |
| Retained earnings to average equity (ytd only) | -0.2856% | 5,349 |
| Net charge-offs to loans | 0.1591% | 1,685 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 9.8438% | 2,714 |
| Efficiency ratio | 72.4530% | 2,517 |
| Assets per employee ($millions) | 5.5774% | 1,802 |
| Cash dividends to net income (ytd only)* | 103.3386% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0882% | 558 |
| Loan loss allowance to noncurrent loans | 336.2550% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3750% | 3,778 |
| Noncurrent loans to loans | 0.6210% | 2,984 |
| Net loans and leases to total assets | 59.1268% | 3,945 |
| Net loans and leases to deposits | 67.1833% | 4,155 |
| Net loans and leases to core deposits | 68.0533% | 4,396 |
| Total domestic deposits to total assets | 88.0082% | 1,626 |
| Equity capital to assets | 10.7382% | 2,880 |
| Core capital (leverage) ratio | 10.8732% | 2,469 |
| Tier 1 risk-based capital ratio | 16.5558% | 2,327 |
| Total risk-based capital ratio | 17.8135% | 2,265 |
| Memoranda: | ||
| Average total assets | $66,901,600 | 4,988 |
| Average earning assets | $63,224,400 | 4,958 |
| Average equity | $7,353,000 | 5,031 |
| Average total loans | $40,214,600 | 4,873 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9514% | 3,414 |
| Cost of funding earning assets | 0.4966% | 2,126 |
| Net interest margin | 3.4549% | 3,652 |
| Noninterest income to average assets | 0.2173% | 5,165 |
| Noninterest expense to average assets | 2.4535% | 4,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0205% | 2,328 |
| Return on assets (ROA) | 1.0205% | 2,461 |
| Pretax return on assets | 1.0225% | 3,540 |
| Return on Equity (ROE) | 9.2319% | 2,387 |
| Retained earnings to average equity (ytd only) | -0.6852% | 5,456 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5849% | 2,810 |
| Assets per employee ($millions) | 4.6970% | 2,755 |
| Cash dividends to net income (ytd only)* | 107.4225% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1821% | 537 |
| Loan loss allowance to noncurrent loans | 372.1311% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 3,939 |
| Noncurrent loans to loans | 0.5864% | 3,248 |
| Net loans and leases to total assets | 61.8982% | 3,649 |
| Net loans and leases to deposits | 70.9742% | 3,892 |
| Net loans and leases to core deposits | 71.9147% | 4,168 |
| Total domestic deposits to total assets | 87.2122% | 1,796 |
| Equity capital to assets | 11.4344% | 2,568 |
| Core capital (leverage) ratio | 10.9502% | 2,503 |
| Tier 1 risk-based capital ratio | 16.0373% | 2,606 |
| Total risk-based capital ratio | 17.2960% | 2,548 |
| Memoranda: | ||
| Average total assets | $66,894,750 | 5,037 |
| Average earning assets | $63,098,250 | 5,002 |
| Average equity | $7,394,500 | 5,076 |
| Average total loans | $40,164,000 | 4,915 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9228% | 3,534 |
| Cost of funding earning assets | 0.4967% | 2,127 |
| Net interest margin | 3.4261% | 3,772 |
| Noninterest income to average assets | 0.2586% | 4,929 |
| Noninterest expense to average assets | 2.4051% | 4,322 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0494% | 2,178 |
| Return on assets (ROA) | 1.0494% | 2,305 |
| Pretax return on assets | 1.0524% | 3,388 |
| Return on Equity (ROE) | 9.6015% | 2,229 |
| Retained earnings to average equity (ytd only) | -2.6384% | 5,591 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5615% | 3,050 |
| Assets per employee ($millions) | 5.0236% | 2,275 |
| Cash dividends to net income (ytd only)* | 127.4788% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1780% | 564 |
| Loan loss allowance to noncurrent loans | 405.3571% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 4,115 |
| Noncurrent loans to loans | 0.5373% | 3,466 |
| Net loans and leases to total assets | 62.4466% | 3,567 |
| Net loans and leases to deposits | 72.2023% | 3,767 |
| Net loans and leases to core deposits | 73.1699% | 4,062 |
| Total domestic deposits to total assets | 86.4884% | 2,179 |
| Equity capital to assets | 11.4123% | 2,630 |
| Core capital (leverage) ratio | 11.1185% | 2,309 |
| Tier 1 risk-based capital ratio | 15.9577% | 2,664 |
| Total risk-based capital ratio | 17.2181% | 2,594 |
| Memoranda: | ||
| Average total assets | $67,273,670 | 5,081 |
| Average earning assets | $62,812,330 | 5,055 |
| Average equity | $7,353,000 | 5,131 |
| Average total loans | $39,681,670 | 4,981 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8187% | 3,877 |
| Cost of funding earning assets | 0.4981% | 2,129 |
| Net interest margin | 3.3206% | 4,140 |
| Noninterest income to average assets | 0.1641% | 5,512 |
| Noninterest expense to average assets | 2.3499% | 4,519 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8615% | 2,940 |
| Return on assets (ROA) | 0.8615% | 3,052 |
| Pretax return on assets | 0.8615% | 3,995 |
| Return on Equity (ROE) | 8.0515% | 2,886 |
| Retained earnings to average equity (ytd only) | -11.1187% | 5,839 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1752% | 2,608 |
| Assets per employee ($millions) | 4.5674% | 2,962 |
| Cash dividends to net income (ytd only)* | 238.0952% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3323% | 488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 59.4655% | 3,855 |
| Net loans and leases to deposits | 68.7185% | 3,980 |
| Net loans and leases to core deposits | 70.0645% | 4,240 |
| Total domestic deposits to total assets | 86.5349% | 2,427 |
| Equity capital to assets | 11.3523% | 2,577 |
| Core capital (leverage) ratio | 11.0629% | 2,349 |
| Tier 1 risk-based capital ratio | 16.4378% | 2,502 |
| Total risk-based capital ratio | 17.6976% | 2,451 |
| Memoranda: | ||
| Average total assets | $68,257,000 | 5,112 |
| Average earning assets | $62,639,500 | 5,106 |
| Average equity | $7,303,000 | 5,176 |
| Average total loans | $38,677,500 | 5,059 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8924% | 3,732 |
| Cost of funding earning assets | 0.5576% | 1,699 |
| Net interest margin | 3.3348% | 4,167 |
| Noninterest income to average assets | 0.1877% | 5,475 |
| Noninterest expense to average assets | 2.4083% | 4,491 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9398% | 2,663 |
| Return on assets (ROA) | 0.9428% | 2,722 |
| Pretax return on assets | 0.9443% | 3,679 |
| Return on Equity (ROE) | 8.5938% | 2,675 |
| Retained earnings to average equity (ytd only) | 0.1765% | 5,438 |
| Net charge-offs to loans | 0.0077% | 4,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 210.6667% | 325 |
| Efficiency ratio | 71.8986% | 2,923 |
| Assets per employee ($millions) | 5.1836% | 2,138 |
| Cash dividends to net income (ytd only)* | 97.9463% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3632% | 477 |
| Loan loss allowance to noncurrent loans | 553.6585% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 4,688 |
| Noncurrent loans to loans | 0.4268% | 3,928 |
| Net loans and leases to total assets | 51.6942% | 4,718 |
| Net loans and leases to deposits | 58.7108% | 4,865 |
| Net loans and leases to core deposits | 59.7002% | 4,999 |
| Total domestic deposits to total assets | 88.0489% | 1,604 |
| Equity capital to assets | 10.1239% | 3,837 |
| Core capital (leverage) ratio | 11.0290% | 2,373 |
| Tier 1 risk-based capital ratio | 16.8657% | 2,335 |
| Total risk-based capital ratio | 18.1271% | 2,278 |
| Memoranda: | ||
| Average total assets | $67,142,800 | 5,154 |
| Average earning assets | $63,662,200 | 5,095 |
| Average equity | $7,365,800 | 5,176 |
| Average total loans | $39,215,600 | 5,043 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 3,635 |
| Cost of funding earning assets | 0.5694% | 1,636 |
| Net interest margin | 3.3599% | 4,105 |
| Noninterest income to average assets | 0.1966% | 5,471 |
| Noninterest expense to average assets | 2.4118% | 4,477 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0357% | 2,296 |
| Return on assets (ROA) | 1.0397% | 2,370 |
| Pretax return on assets | 1.0417% | 3,447 |
| Return on Equity (ROE) | 9.2800% | 2,429 |
| Retained earnings to average equity (ytd only) | -0.3979% | 5,675 |
| Net charge-offs to loans | -0.0101% | 4,992 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9177% | 3,223 |
| Assets per employee ($millions) | 4.8918% | 2,430 |
| Cash dividends to net income (ytd only)* | 104.2896% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3754% | 518 |
| Loan loss allowance to noncurrent loans | 223.1707% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.6447% | 3,331 |
| Noncurrent loans to loans | 1.0644% | 2,353 |
| Net loans and leases to total assets | 59.1329% | 3,995 |
| Net loans and leases to deposits | 69.0431% | 4,089 |
| Net loans and leases to core deposits | 70.4082% | 4,334 |
| Total domestic deposits to total assets | 85.6464% | 2,716 |
| Equity capital to assets | 11.6866% | 2,360 |
| Core capital (leverage) ratio | 11.2729% | 2,221 |
| Tier 1 risk-based capital ratio | 17.1034% | 2,336 |
| Total risk-based capital ratio | 18.3651% | 2,277 |
| Memoranda: | ||
| Average total assets | $65,785,750 | 5,247 |
| Average earning assets | $63,690,750 | 5,156 |
| Average equity | $7,370,500 | 5,241 |
| Average total loans | $39,413,750 | 5,091 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9046% | 3,667 |
| Cost of funding earning assets | 0.5809% | 1,554 |
| Net interest margin | 3.3237% | 4,198 |
| Noninterest income to average assets | 0.1954% | 5,514 |
| Noninterest expense to average assets | 2.3303% | 4,772 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0794% | 2,012 |
| Return on assets (ROA) | 1.0854% | 2,099 |
| Pretax return on assets | 1.0885% | 3,224 |
| Return on Equity (ROE) | 9.8231% | 2,147 |
| Retained earnings to average equity (ytd only) | -2.0136% | 5,831 |
| Net charge-offs to loans | -0.0201% | 5,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2819% | 3,637 |
| Assets per employee ($millions) | 4.9067% | 2,395 |
| Cash dividends to net income (ytd only)* | 120.4986% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3389% | 608 |
| Loan loss allowance to noncurrent loans | 687.9699% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 5,032 |
| Noncurrent loans to loans | 0.3400% | 4,470 |
| Net loans and leases to total assets | 59.8962% | 3,853 |
| Net loans and leases to deposits | 70.2600% | 3,901 |
| Net loans and leases to core deposits | 71.6474% | 4,169 |
| Total domestic deposits to total assets | 85.2493% | 3,022 |
| Equity capital to assets | 11.4083% | 2,490 |
| Core capital (leverage) ratio | 11.2106% | 2,236 |
| Tier 1 risk-based capital ratio | 17.0971% | 2,370 |
| Total risk-based capital ratio | 18.3591% | 2,311 |
| Memoranda: | ||
| Average total assets | $66,516,330 | 5,291 |
| Average earning assets | $64,385,330 | 5,192 |
| Average equity | $7,350,000 | 5,289 |
| Average total loans | $39,711,670 | 5,125 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8464% | 3,839 |
| Cost of funding earning assets | 0.5955% | 1,466 |
| Net interest margin | 3.2509% | 4,415 |
| Noninterest income to average assets | 0.1886% | 5,580 |
| Noninterest expense to average assets | 2.2039% | 5,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1373% | 1,733 |
| Return on assets (ROA) | 1.1432% | 1,825 |
| Pretax return on assets | 1.1432% | 2,891 |
| Return on Equity (ROE) | 10.5057% | 1,796 |
| Retained earnings to average equity (ytd only) | -7.6356% | 6,062 |
| Net charge-offs to loans | -0.0400% | 5,406 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9612% | 4,167 |
| Assets per employee ($millions) | 5.5696% | 1,739 |
| Cash dividends to net income (ytd only)* | 172.6804% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3573% | 655 |
| Loan loss allowance to noncurrent loans | 1,605.2632% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 5,600 |
| Noncurrent loans to loans | 0.1469% | 5,253 |
| Net loans and leases to total assets | 56.7068% | 4,125 |
| Net loans and leases to deposits | 66.6046% | 4,092 |
| Net loans and leases to core deposits | 67.8567% | 4,340 |
| Total domestic deposits to total assets | 85.1395% | 3,339 |
| Equity capital to assets | 11.0077% | 2,960 |
| Core capital (leverage) ratio | 10.9162% | 2,499 |
| Tier 1 risk-based capital ratio | 16.8337% | 2,541 |
| Total risk-based capital ratio | 18.0924% | 2,495 |
| Memoranda: | ||
| Average total assets | $67,881,000 | 5,310 |
| Average earning assets | $65,828,000 | 5,204 |
| Average equity | $7,386,500 | 5,327 |
| Average total loans | $40,007,000 | 5,141 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0503% | 3,523 |
| Cost of funding earning assets | 0.7683% | 770 |
| Net interest margin | 3.2820% | 4,649 |
| Noninterest income to average assets | 0.1809% | 5,771 |
| Noninterest expense to average assets | 2.2580% | 5,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0623% | 2,118 |
| Return on assets (ROA) | 1.0666% | 2,157 |
| Pretax return on assets | 1.0666% | 3,222 |
| Return on Equity (ROE) | 10.3303% | 1,976 |
| Retained earnings to average equity (ytd only) | 1.5016% | 5,087 |
| Net charge-offs to loans | 0.0119% | 4,662 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 148.0000% | 366 |
| Efficiency ratio | 68.0069% | 3,902 |
| Assets per employee ($millions) | 4.9234% | 2,418 |
| Cash dividends to net income (ytd only)* | 85.4643% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2136% | 805 |
| Loan loss allowance to noncurrent loans | 1,169.2308% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 5,579 |
| Noncurrent loans to loans | 0.1893% | 5,153 |
| Net loans and leases to total assets | 58.4488% | 3,999 |
| Net loans and leases to deposits | 69.1753% | 4,010 |
| Net loans and leases to core deposits | 70.7795% | 4,243 |
| Total domestic deposits to total assets | 84.4937% | 3,511 |
| Equity capital to assets | 10.7592% | 3,170 |
| Core capital (leverage) ratio | 10.5950% | 2,843 |
| Tier 1 risk-based capital ratio | 15.6454% | 3,158 |
| Total risk-based capital ratio | 16.9036% | 3,083 |
| Memoranda: | ||
| Average total assets | $69,663,400 | 5,305 |
| Average earning assets | $66,637,000 | 5,210 |
| Average equity | $7,192,400 | 5,375 |
| Average total loans | $42,065,400 | 5,106 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0774% | 3,466 |
| Cost of funding earning assets | 0.7951% | 702 |
| Net interest margin | 3.2823% | 4,673 |
| Noninterest income to average assets | 0.1756% | 5,867 |
| Noninterest expense to average assets | 2.2143% | 5,323 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0976% | 2,046 |
| Return on assets (ROA) | 1.1033% | 2,080 |
| Pretax return on assets | 1.1033% | 3,172 |
| Return on Equity (ROE) | 10.7987% | 1,873 |
| Retained earnings to average equity (ytd only) | 0.8033% | 5,558 |
| Net charge-offs to loans | 0.0158% | 4,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 114.9400% | 515 |
| Efficiency ratio | 66.8588% | 4,069 |
| Assets per employee ($millions) | 4.8075% | 2,506 |
| Cash dividends to net income (ytd only)* | 92.5608% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2616% | 866 |
| Loan loss allowance to noncurrent loans | 322.2615% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 4,657 |
| Noncurrent loans to loans | 0.7018% | 3,852 |
| Net loans and leases to total assets | 58.5603% | 3,994 |
| Net loans and leases to deposits | 69.8483% | 3,933 |
| Net loans and leases to core deposits | 71.5175% | 4,203 |
| Total domestic deposits to total assets | 83.8392% | 3,821 |
| Equity capital to assets | 10.7986% | 3,184 |
| Core capital (leverage) ratio | 10.5959% | 2,928 |
| Tier 1 risk-based capital ratio | 15.8495% | 3,129 |
| Total risk-based capital ratio | 17.1093% | 3,069 |
| Memoranda: | ||
| Average total assets | $69,847,500 | 5,345 |
| Average earning assets | $66,739,750 | 5,267 |
| Average equity | $7,136,500 | 5,435 |
| Average total loans | $42,282,000 | 5,151 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0929% | 3,379 |
| Cost of funding earning assets | 0.8198% | 644 |
| Net interest margin | 3.2732% | 4,691 |
| Noninterest income to average assets | 0.1726% | 5,918 |
| Noninterest expense to average assets | 2.2661% | 5,240 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0241% | 2,228 |
| Return on assets (ROA) | 1.0241% | 2,294 |
| Pretax return on assets | 1.0241% | 3,380 |
| Return on Equity (ROE) | 10.2077% | 2,056 |
| Retained earnings to average equity (ytd only) | -2.0585% | 5,999 |
| Net charge-offs to loans | 0.0233% | 3,737 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 72.4000% | 716 |
| Efficiency ratio | 68.8736% | 3,852 |
| Assets per employee ($millions) | 4.8650% | 2,385 |
| Cash dividends to net income (ytd only)* | 120.1657% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2133% | 1,007 |
| Loan loss allowance to noncurrent loans | 294.1935% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.4551% | 4,636 |
| Noncurrent loans to loans | 0.7523% | 3,820 |
| Net loans and leases to total assets | 59.1587% | 3,837 |
| Net loans and leases to deposits | 71.1375% | 3,689 |
| Net loans and leases to core deposits | 73.1655% | 3,937 |
| Total domestic deposits to total assets | 83.1611% | 4,241 |
| Equity capital to assets | 10.5770% | 3,345 |
| Core capital (leverage) ratio | 10.2711% | 3,242 |
| Tier 1 risk-based capital ratio | 15.3279% | 3,453 |
| Total risk-based capital ratio | 16.5878% | 3,400 |
| Memoranda: | ||
| Average total assets | $70,695,000 | 5,367 |
| Average earning assets | $67,335,330 | 5,288 |
| Average equity | $7,092,670 | 5,467 |
| Average total loans | $42,934,000 | 5,165 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1448% | 3,111 |
| Cost of funding earning assets | 0.8667% | 539 |
| Net interest margin | 3.2781% | 4,628 |
| Noninterest income to average assets | 0.1723% | 5,938 |
| Noninterest expense to average assets | 2.2226% | 5,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0391% | 2,047 |
| Return on assets (ROA) | 1.0391% | 2,121 |
| Pretax return on assets | 1.0391% | 3,169 |
| Return on Equity (ROE) | 10.6295% | 1,806 |
| Retained earnings to average equity (ytd only) | -8.4127% | 6,302 |
| Net charge-offs to loans | 0.0365% | 2,878 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 46.7500% | 794 |
| Efficiency ratio | 68.1431% | 4,160 |
| Assets per employee ($millions) | 4.9894% | 2,263 |
| Cash dividends to net income (ytd only)* | 179.1444% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1533% | 1,230 |
| Loan loss allowance to noncurrent loans | 411.2613% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 5,196 |
| Noncurrent loans to loans | 0.5236% | 4,604 |
| Net loans and leases to total assets | 59.3941% | 3,652 |
| Net loans and leases to deposits | 71.8731% | 3,354 |
| Net loans and leases to core deposits | 74.2714% | 3,618 |
| Total domestic deposits to total assets | 82.6376% | 4,738 |
| Equity capital to assets | 10.0198% | 3,819 |
| Core capital (leverage) ratio | 9.8714% | 3,758 |
| Tier 1 risk-based capital ratio | 14.6854% | 3,896 |
| Total risk-based capital ratio | 15.9430% | 3,845 |
| Memoranda: | ||
| Average total assets | $71,987,500 | 5,387 |
| Average earning assets | $67,843,500 | 5,321 |
| Average equity | $7,037,000 | 5,505 |
| Average total loans | $43,798,500 | 5,177 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2135% | 3,299 |
| Cost of funding earning assets | 0.9419% | 599 |
| Net interest margin | 3.2716% | 4,770 |
| Noninterest income to average assets | 0.1961% | 5,912 |
| Noninterest expense to average assets | 2.0643% | 5,904 |
| Loan and lease loss provision to assets | 0.1042% | 3,057 |
| Net operating income to assets | 1.1563% | 1,731 |
| Return on assets (ROA) | 1.1563% | 1,795 |
| Pretax return on assets | 1.1576% | 2,738 |
| Return on Equity (ROE) | 11.8286% | 1,477 |
| Retained earnings to average equity (ytd only) | 2.9186% | 4,168 |
| Net charge-offs to loans | 0.0267% | 4,885 |
| Credit loss provision to net charge-offs | 633.3333% | 370 |
| Earnings coverage of net charge-offs (x) | 76.6667% | 567 |
| Efficiency ratio | 62.0619% | 5,202 |
| Assets per employee ($millions) | 4.9415% | 2,248 |
| Cash dividends to net income (ytd only)* | 75.3262% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0289% | 1,491 |
| Loan loss allowance to noncurrent loans | 655.0000% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 5,742 |
| Noncurrent loans to loans | 0.3098% | 5,257 |
| Net loans and leases to total assets | 59.7372% | 3,764 |
| Net loans and leases to deposits | 73.4300% | 3,340 |
| Net loans and leases to core deposits | 75.7644% | 3,631 |
| Total domestic deposits to total assets | 81.3526% | 5,086 |
| Equity capital to assets | 9.5449% | 4,356 |
| Core capital (leverage) ratio | 9.8738% | 3,739 |
| Tier 1 risk-based capital ratio | 13.9498% | 4,326 |
| Total risk-based capital ratio | 15.2073% | 4,260 |
| Memoranda: | ||
| Average total assets | $72,907,800 | 5,395 |
| Average earning assets | $69,751,800 | 5,317 |
| Average equity | $7,126,800 | 5,543 |
| Average total loans | $44,913,800 | 5,152 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2087% | 3,356 |
| Cost of funding earning assets | 0.9579% | 611 |
| Net interest margin | 3.2508% | 4,821 |
| Noninterest income to average assets | 0.2038% | 5,961 |
| Noninterest expense to average assets | 2.0035% | 6,004 |
| Loan and lease loss provision to assets | 0.1396% | 2,548 |
| Net operating income to assets | 1.1937% | 1,657 |
| Return on assets (ROA) | 1.1937% | 1,730 |
| Pretax return on assets | 1.1955% | 2,713 |
| Return on Equity (ROE) | 12.1384% | 1,435 |
| Retained earnings to average equity (ytd only) | 2.1476% | 5,027 |
| Net charge-offs to loans | 0.0357% | 4,425 |
| Credit loss provision to net charge-offs | 633.3333% | 452 |
| Earnings coverage of net charge-offs (x) | 60.5819% | 753 |
| Efficiency ratio | 60.0110% | 5,433 |
| Assets per employee ($millions) | 5.1063% | 2,043 |
| Cash dividends to net income (ytd only)* | 82.3077% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1214% | 1,464 |
| Loan loss allowance to noncurrent loans | 7,641.6667% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 6,449 |
| Noncurrent loans to loans | 0.0278% | 6,269 |
| Net loans and leases to total assets | 59.1848% | 3,826 |
| Net loans and leases to deposits | 73.9181% | 3,242 |
| Net loans and leases to core deposits | 76.7347% | 3,532 |
| Total domestic deposits to total assets | 80.0680% | 5,492 |
| Equity capital to assets | 9.9317% | 4,003 |
| Core capital (leverage) ratio | 9.8377% | 3,905 |
| Tier 1 risk-based capital ratio | 14.2687% | 4,237 |
| Total risk-based capital ratio | 15.5257% | 4,175 |
| Memoranda: | ||
| Average total assets | $72,604,000 | 5,456 |
| Average earning assets | $70,011,250 | 5,364 |
| Average equity | $7,139,750 | 5,598 |
| Average total loans | $44,843,250 | 5,208 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2302% | 3,239 |
| Cost of funding earning assets | 0.9745% | 622 |
| Net interest margin | 3.2558% | 4,751 |
| Noninterest income to average assets | 0.1973% | 6,023 |
| Noninterest expense to average assets | 1.9513% | 6,127 |
| Loan and lease loss provision to assets | 0.1398% | 2,579 |
| Net operating income to assets | 1.2470% | 1,468 |
| Return on assets (ROA) | 1.2470% | 1,560 |
| Pretax return on assets | 1.2470% | 2,493 |
| Return on Equity (ROE) | 12.7219% | 1,313 |
| Retained earnings to average equity (ytd only) | 0.5592% | 5,681 |
| Net charge-offs to loans | 0.0573% | 3,883 |
| Credit loss provision to net charge-offs | 392.3077% | 669 |
| Earnings coverage of net charge-offs (x) | 38.9231% | 948 |
| Efficiency ratio | 58.4565% | 5,674 |
| Assets per employee ($millions) | 5.1271% | 1,963 |
| Cash dividends to net income (ytd only)* | 95.6044% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9577% | 1,946 |
| Loan loss allowance to noncurrent loans | 464.0625% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 5,689 |
| Noncurrent loans to loans | 0.4219% | 5,207 |
| Net loans and leases to total assets | 62.1636% | 3,263 |
| Net loans and leases to deposits | 77.3006% | 2,674 |
| Net loans and leases to core deposits | 79.8529% | 3,041 |
| Total domestic deposits to total assets | 80.4179% | 5,501 |
| Equity capital to assets | 9.6030% | 4,449 |
| Core capital (leverage) ratio | 9.6810% | 3,966 |
| Tier 1 risk-based capital ratio | 13.6094% | 4,703 |
| Total risk-based capital ratio | 14.8656% | 4,661 |
| Memoranda: | ||
| Average total assets | $72,976,000 | 5,487 |
| Average earning assets | $70,398,000 | 5,382 |
| Average equity | $7,153,000 | 5,645 |
| Average total loans | $45,382,000 | 5,214 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1751% | 3,402 |
| Cost of funding earning assets | 0.9917% | 644 |
| Net interest margin | 3.1835% | 4,981 |
| Noninterest income to average assets | 0.2012% | 6,040 |
| Noninterest expense to average assets | 2.0333% | 6,036 |
| Loan and lease loss provision to assets | 0.1414% | 2,473 |
| Net operating income to assets | 1.0982% | 1,858 |
| Return on assets (ROA) | 1.0982% | 1,966 |
| Pretax return on assets | 1.0982% | 2,954 |
| Return on Equity (ROE) | 11.0943% | 1,682 |
| Retained earnings to average equity (ytd only) | -7.3047% | 6,491 |
| Net charge-offs to loans | 0.0971% | 2,884 |
| Credit loss provision to net charge-offs | 236.3636% | 967 |
| Earnings coverage of net charge-offs (x) | 20.7273% | 1,178 |
| Efficiency ratio | 62.1262% | 5,285 |
| Assets per employee ($millions) | 5.1515% | 2,037 |
| Cash dividends to net income (ytd only)* | 165.8416% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9626% | 2,140 |
| Loan loss allowance to noncurrent loans | 5,425.0000% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 6,548 |
| Noncurrent loans to loans | 0.0362% | 6,380 |
| Net loans and leases to total assets | 60.1184% | 3,407 |
| Net loans and leases to deposits | 75.7239% | 2,683 |
| Net loans and leases to core deposits | 77.8868% | 3,080 |
| Total domestic deposits to total assets | 79.3916% | 5,897 |
| Equity capital to assets | 9.9486% | 4,215 |
| Core capital (leverage) ratio | 9.2887% | 4,418 |
| Tier 1 risk-based capital ratio | 13.5748% | 4,815 |
| Total risk-based capital ratio | 14.8298% | 4,772 |
| Memoranda: | ||
| Average total assets | $73,574,000 | 5,521 |
| Average earning assets | $70,992,000 | 5,413 |
| Average equity | $7,283,000 | 5,667 |
| Average total loans | $45,317,000 | 5,239 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8202% | 2,117 |
| Cost of funding earning assets | 1.1967% | 593 |
| Net interest margin | 3.6235% | 3,990 |
| Noninterest income to average assets | 0.2174% | 5,873 |
| Noninterest expense to average assets | 2.1924% | 5,941 |
| Loan and lease loss provision to assets | 0.1413% | 3,840 |
| Net operating income to assets | 1.3296% | 1,235 |
| Return on assets (ROA) | 1.3296% | 1,365 |
| Pretax return on assets | 1.3310% | 2,284 |
| Return on Equity (ROE) | 13.2053% | 1,180 |
| Retained earnings to average equity (ytd only) | 2.8887% | 4,203 |
| Net charge-offs to loans | 0.2685% | 3,324 |
| Credit loss provision to net charge-offs | 79.0698% | 3,863 |
| Earnings coverage of net charge-offs (x) | 8.2403% | 2,444 |
| Efficiency ratio | 59.8262% | 5,567 |
| Assets per employee ($millions) | 5.3591% | 1,828 |
| Cash dividends to net income (ytd only)* | 78.1250% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8380% | 2,472 |
| Loan loss allowance to noncurrent loans | 330.6202% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.5398% | 5,127 |
| Noncurrent loans to loans | 0.5559% | 5,136 |
| Net loans and leases to total assets | 60.7181% | 3,471 |
| Net loans and leases to deposits | 76.0099% | 2,809 |
| Net loans and leases to core deposits | 78.0747% | 3,253 |
| Total domestic deposits to total assets | 79.8819% | 5,697 |
| Equity capital to assets | 9.8511% | 4,379 |
| Core capital (leverage) ratio | 9.3636% | 4,312 |
| Tier 1 risk-based capital ratio | 13.1318% | 5,015 |
| Total risk-based capital ratio | 14.3868% | 4,959 |
| Memoranda: | ||
| Average total assets | $72,203,800 | 5,575 |
| Average earning assets | $68,690,000 | 5,476 |
| Average equity | $7,269,800 | 5,691 |
| Average total loans | $48,046,400 | 5,177 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9769% | 1,752 |
| Cost of funding earning assets | 1.2467% | 559 |
| Net interest margin | 3.7302% | 3,653 |
| Noninterest income to average assets | 0.2089% | 6,041 |
| Noninterest expense to average assets | 2.1203% | 6,124 |
| Loan and lease loss provision to assets | 0.1417% | 3,762 |
| Net operating income to assets | 1.4825% | 1,052 |
| Return on assets (ROA) | 1.4825% | 1,166 |
| Pretax return on assets | 1.4844% | 1,936 |
| Return on Equity (ROE) | 14.6415% | 970 |
| Retained earnings to average equity (ytd only) | 3.1309% | 4,669 |
| Net charge-offs to loans | 0.3550% | 2,682 |
| Credit loss provision to net charge-offs | 58.9147% | 4,177 |
| Earnings coverage of net charge-offs (x) | 6.7595% | 2,720 |
| Efficiency ratio | 56.5953% | 5,981 |
| Assets per employee ($millions) | 5.0346% | 2,144 |
| Cash dividends to net income (ytd only)* | 78.6164% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7352% | 3,018 |
| Loan loss allowance to noncurrent loans | 341.7355% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.8427% | 4,609 |
| Noncurrent loans to loans | 0.5078% | 5,425 |
| Net loans and leases to total assets | 66.4425% | 2,570 |
| Net loans and leases to deposits | 85.4380% | 1,667 |
| Net loans and leases to core deposits | 88.3906% | 2,171 |
| Total domestic deposits to total assets | 77.7669% | 6,123 |
| Equity capital to assets | 10.5937% | 3,741 |
| Core capital (leverage) ratio | 9.7594% | 3,859 |
| Tier 1 risk-based capital ratio | 12.9980% | 5,254 |
| Total risk-based capital ratio | 14.2514% | 5,211 |
| Memoranda: | ||
| Average total assets | $71,498,000 | 5,648 |
| Average earning assets | $67,804,750 | 5,561 |
| Average equity | $7,239,500 | 5,760 |
| Average total loans | $48,456,000 | 5,225 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0141% | 1,749 |
| Cost of funding earning assets | 1.2711% | 597 |
| Net interest margin | 3.7429% | 3,625 |
| Noninterest income to average assets | 0.2060% | 6,087 |
| Noninterest expense to average assets | 2.0630% | 6,312 |
| Loan and lease loss provision to assets | 0.1420% | 3,744 |
| Net operating income to assets | 1.5480% | 913 |
| Return on assets (ROA) | 1.5480% | 1,022 |
| Pretax return on assets | 1.5508% | 1,710 |
| Return on Equity (ROE) | 15.5228% | 849 |
| Retained earnings to average equity (ytd only) | 0.8655% | 5,722 |
| Net charge-offs to loans | 0.5295% | 2,004 |
| Credit loss provision to net charge-offs | 39.5349% | 4,269 |
| Earnings coverage of net charge-offs (x) | 4.7132% | 3,007 |
| Efficiency ratio | 54.9296% | 6,234 |
| Assets per employee ($millions) | 5.1404% | 1,981 |
| Cash dividends to net income (ytd only)* | 94.4245% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6378% | 3,472 |
| Loan loss allowance to noncurrent loans | 260.3896% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.9185% | 4,532 |
| Noncurrent loans to loans | 0.6290% | 5,249 |
| Net loans and leases to total assets | 66.9302% | 2,478 |
| Net loans and leases to deposits | 86.0986% | 1,582 |
| Net loans and leases to core deposits | 89.0037% | 2,098 |
| Total domestic deposits to total assets | 77.7367% | 6,208 |
| Equity capital to assets | 10.0895% | 4,202 |
| Core capital (leverage) ratio | 9.5610% | 4,061 |
| Tier 1 risk-based capital ratio | 12.3983% | 5,649 |
| Total risk-based capital ratio | 13.6512% | 5,630 |
| Memoranda: | ||
| Average total assets | $71,835,670 | 5,672 |
| Average earning assets | $68,128,330 | 5,581 |
| Average equity | $7,163,670 | 5,796 |
| Average total loans | $48,721,670 | 5,249 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0995% | 1,572 |
| Cost of funding earning assets | 1.3311% | 557 |
| Net interest margin | 3.7684% | 3,525 |
| Noninterest income to average assets | 0.2006% | 6,189 |
| Noninterest expense to average assets | 2.1123% | 6,247 |
| Loan and lease loss provision to assets | 0.1393% | 3,615 |
| Net operating income to assets | 1.4992% | 1,022 |
| Return on assets (ROA) | 1.4992% | 1,145 |
| Pretax return on assets | 1.4992% | 1,870 |
| Return on Equity (ROE) | 15.1230% | 951 |
| Retained earnings to average equity (ytd only) | -8.7702% | 6,804 |
| Net charge-offs to loans | 1.0618% | 970 |
| Credit loss provision to net charge-offs | 19.3798% | 3,787 |
| Earnings coverage of net charge-offs (x) | 2.2791% | 3,256 |
| Efficiency ratio | 56.3150% | 6,090 |
| Assets per employee ($millions) | 5.0999% | 2,123 |
| Cash dividends to net income (ytd only)* | 157.9926% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5832% | 3,795 |
| Loan loss allowance to noncurrent loans | 5,969.2308% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.5140% | 5,578 |
| Noncurrent loans to loans | 0.0265% | 6,706 |
| Net loans and leases to total assets | 67.5640% | 2,196 |
| Net loans and leases to deposits | 88.0838% | 1,152 |
| Net loans and leases to core deposits | 90.6001% | 1,790 |
| Total domestic deposits to total assets | 76.7042% | 6,454 |
| Equity capital to assets | 9.8601% | 4,300 |
| Core capital (leverage) ratio | 9.3062% | 4,356 |
| Tier 1 risk-based capital ratio | 12.0719% | 5,912 |
| Total risk-based capital ratio | 13.3247% | 5,886 |
| Memoranda: | ||
| Average total assets | $71,770,500 | 5,721 |
| Average earning assets | $67,614,500 | 5,636 |
| Average equity | $7,115,000 | 5,836 |
| Average total loans | $48,598,000 | 5,284 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5415% | 1,073 |
| Cost of funding earning assets | 1.6026% | 477 |
| Net interest margin | 3.9389% | 3,162 |
| Noninterest income to average assets | 0.2441% | 5,796 |
| Noninterest expense to average assets | 2.3587% | 5,885 |
| Loan and lease loss provision to assets | 0.1473% | 4,773 |
| Net operating income to assets | 1.4819% | 861 |
| Return on assets (ROA) | 1.4819% | 936 |
| Pretax return on assets | 1.4834% | 1,523 |
| Return on Equity (ROE) | 15.0018% | 745 |
| Retained earnings to average equity (ytd only) | 4.7666% | 2,813 |
| Net charge-offs to loans | 0.1276% | 5,119 |
| Credit loss provision to net charge-offs | 156.9231% | 1,784 |
| Earnings coverage of net charge-offs (x) | 17.3692% | 1,275 |
| Efficiency ratio | 59.1238% | 5,882 |
| Assets per employee ($millions) | 5.1530% | 1,996 |
| Cash dividends to net income (ytd only)* | 68.2261% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8265% | 2,783 |
| Loan loss allowance to noncurrent loans | 250.7123% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 1.1685% | 4,283 |
| Noncurrent loans to loans | 0.7285% | 5,241 |
| Net loans and leases to total assets | 65.5651% | 2,862 |
| Net loans and leases to deposits | 86.9054% | 1,548 |
| Net loans and leases to core deposits | 88.9750% | 2,256 |
| Total domestic deposits to total assets | 75.4443% | 6,544 |
| Equity capital to assets | 9.9665% | 4,206 |
| Core capital (leverage) ratio | 9.3097% | 4,312 |
| Tier 1 risk-based capital ratio | 12.4266% | 5,511 |
| Total risk-based capital ratio | 13.6808% | 5,487 |
| Memoranda: | ||
| Average total assets | $69,233,200 | 5,768 |
| Average earning assets | $65,830,800 | 5,670 |
| Average equity | $6,839,200 | 5,915 |
| Average total loans | $50,959,000 | 5,235 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6423% | 954 |
| Cost of funding earning assets | 1.6333% | 507 |
| Net interest margin | 4.0090% | 2,884 |
| Noninterest income to average assets | 0.2472% | 5,849 |
| Noninterest expense to average assets | 2.3920% | 5,781 |
| Loan and lease loss provision to assets | 0.1479% | 4,598 |
| Net operating income to assets | 1.5414% | 867 |
| Return on assets (ROA) | 1.5414% | 936 |
| Pretax return on assets | 1.5434% | 1,536 |
| Return on Equity (ROE) | 15.6405% | 727 |
| Retained earnings to average equity (ytd only) | 3.7916% | 4,034 |
| Net charge-offs to loans | 0.0387% | 5,606 |
| Credit loss provision to net charge-offs | 506.6667% | 542 |
| Earnings coverage of net charge-offs (x) | 57.9320% | 572 |
| Efficiency ratio | 58.5796% | 5,919 |
| Assets per employee ($millions) | 4.6661% | 2,662 |
| Cash dividends to net income (ytd only)* | 75.7578% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7632% | 3,058 |
| Loan loss allowance to noncurrent loans | 1,772.5490% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 6,340 |
| Noncurrent loans to loans | 0.0995% | 6,681 |
| Net loans and leases to total assets | 71.9593% | 1,710 |
| Net loans and leases to deposits | 96.7664% | 657 |
| Net loans and leases to core deposits | 99.1671% | 1,319 |
| Total domestic deposits to total assets | 74.3638% | 6,716 |
| Equity capital to assets | 10.0870% | 4,223 |
| Core capital (leverage) ratio | 9.4929% | 4,157 |
| Tier 1 risk-based capital ratio | 11.8223% | 6,023 |
| Total risk-based capital ratio | 13.0771% | 5,999 |
| Memoranda: | ||
| Average total assets | $68,506,000 | 5,827 |
| Average earning assets | $65,551,000 | 5,729 |
| Average equity | $6,751,500 | 5,982 |
| Average total loans | $51,653,750 | 5,247 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6442% | 980 |
| Cost of funding earning assets | 1.6644% | 544 |
| Net interest margin | 3.9798% | 2,937 |
| Noninterest income to average assets | 0.2411% | 5,922 |
| Noninterest expense to average assets | 2.4555% | 5,684 |
| Loan and lease loss provision to assets | 0.1500% | 4,433 |
| Net operating income to assets | 1.4439% | 993 |
| Return on assets (ROA) | 1.4439% | 1,051 |
| Pretax return on assets | 1.4468% | 1,672 |
| Return on Equity (ROE) | 14.7699% | 840 |
| Retained earnings to average equity (ytd only) | -0.2707% | 5,900 |
| Net charge-offs to loans | 0.0579% | 5,072 |
| Credit loss provision to net charge-offs | 340.0000% | 898 |
| Earnings coverage of net charge-offs (x) | 36.2000% | 803 |
| Efficiency ratio | 60.5951% | 5,784 |
| Assets per employee ($millions) | 4.5451% | 2,764 |
| Cash dividends to net income (ytd only)* | 101.8330% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6597% | 3,453 |
| Loan loss allowance to noncurrent loans | 485.6354% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.2655% | 6,466 |
| Noncurrent loans to loans | 0.3418% | 6,231 |
| Net loans and leases to total assets | 76.3920% | 1,018 |
| Net loans and leases to deposits | 103.1287% | 344 |
| Net loans and leases to core deposits | 106.3029% | 912 |
| Total domestic deposits to total assets | 74.0745% | 6,837 |
| Equity capital to assets | 9.9522% | 4,216 |
| Core capital (leverage) ratio | 9.3820% | 4,138 |
| Tier 1 risk-based capital ratio | 11.2895% | 6,323 |
| Total risk-based capital ratio | 12.5429% | 6,318 |
| Memoranda: | ||
| Average total assets | $68,011,000 | 5,887 |
| Average earning assets | $65,129,330 | 5,784 |
| Average equity | $6,648,670 | 6,035 |
| Average total loans | $51,782,000 | 5,292 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5646% | 1,140 |
| Cost of funding earning assets | 1.6928% | 572 |
| Net interest margin | 3.8718% | 3,288 |
| Noninterest income to average assets | 0.2355% | 6,028 |
| Noninterest expense to average assets | 2.5026% | 5,539 |
| Loan and lease loss provision to assets | 0.1472% | 4,168 |
| Net operating income to assets | 1.2896% | 1,296 |
| Return on assets (ROA) | 1.2896% | 1,339 |
| Pretax return on assets | 1.2896% | 2,074 |
| Return on Equity (ROE) | 13.3121% | 1,123 |
| Retained earnings to average equity (ytd only) | -11.0022% | 6,905 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5277% | 5,438 |
| Assets per employee ($millions) | 4.2019% | 3,459 |
| Cash dividends to net income (ytd only)* | 182.6484% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7120% | 3,297 |
| Loan loss allowance to noncurrent loans | 485.4749% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.5325% | 5,903 |
| Noncurrent loans to loans | 0.3526% | 6,284 |
| Net loans and leases to total assets | 74.2083% | 1,314 |
| Net loans and leases to deposits | 100.7553% | 430 |
| Net loans and leases to core deposits | 103.9071% | 1,067 |
| Total domestic deposits to total assets | 73.6520% | 6,934 |
| Equity capital to assets | 9.6756% | 4,207 |
| Core capital (leverage) ratio | 9.2832% | 4,144 |
| Tier 1 risk-based capital ratio | 11.3615% | 6,205 |
| Total risk-based capital ratio | 12.6158% | 6,188 |
| Memoranda: | ||
| Average total assets | $67,928,500 | 5,932 |
| Average earning assets | $64,982,500 | 5,826 |
| Average equity | $6,580,500 | 6,067 |
| Average total loans | $51,193,000 | 5,356 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9261% | 987 |
| Cost of funding earning assets | 1.9988% | 611 |
| Net interest margin | 3.9273% | 3,362 |
| Noninterest income to average assets | 0.2793% | 5,782 |
| Noninterest expense to average assets | 2.4431% | 5,965 |
| Loan and lease loss provision to assets | 0.1523% | 5,675 |
| Net operating income to assets | 1.4381% | 875 |
| Return on assets (ROA) | 1.4396% | 940 |
| Pretax return on assets | 1.4411% | 1,536 |
| Return on Equity (ROE) | 14.9439% | 726 |
| Retained earnings to average equity (ytd only) | 5.7977% | 1,938 |
| Net charge-offs to loans | 0.0513% | 6,277 |
| Credit loss provision to net charge-offs | 377.7778% | 664 |
| Earnings coverage of net charge-offs (x) | 39.4815% | 589 |
| Efficiency ratio | 60.5477% | 5,961 |
| Assets per employee ($millions) | 4.2891% | 3,232 |
| Cash dividends to net income (ytd only)* | 61.2033% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6329% | 3,454 |
| Loan loss allowance to noncurrent loans | 470.9497% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 5,991 |
| Noncurrent loans to loans | 0.3467% | 6,366 |
| Net loans and leases to total assets | 73.9997% | 1,663 |
| Net loans and leases to deposits | 100.0650% | 573 |
| Net loans and leases to core deposits | 103.1022% | 1,378 |
| Total domestic deposits to total assets | 73.9516% | 6,902 |
| Equity capital to assets | 9.6989% | 4,136 |
| Core capital (leverage) ratio | 9.2821% | 4,036 |
| Tier 1 risk-based capital ratio | 11.5445% | 5,868 |
| Total risk-based capital ratio | 12.7975% | 5,874 |
| Memoranda: | ||
| Average total assets | $66,964,400 | 5,963 |
| Average earning assets | $64,038,600 | 5,856 |
| Average equity | $6,450,800 | 6,217 |
| Average total loans | $52,602,400 | 5,375 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9657% | 998 |
| Cost of funding earning assets | 2.0500% | 637 |
| Net interest margin | 3.9157% | 3,464 |
| Noninterest income to average assets | 0.2905% | 5,798 |
| Noninterest expense to average assets | 2.4402% | 5,916 |
| Loan and lease loss provision to assets | 0.1523% | 5,519 |
| Net operating income to assets | 1.4425% | 1,037 |
| Return on assets (ROA) | 1.4425% | 1,109 |
| Pretax return on assets | 1.4445% | 1,763 |
| Return on Equity (ROE) | 15.0009% | 855 |
| Retained earnings to average equity (ytd only) | 4.3752% | 3,420 |
| Net charge-offs to loans | 0.0681% | 5,833 |
| Credit loss provision to net charge-offs | 281.4815% | 1,157 |
| Earnings coverage of net charge-offs (x) | 29.5178% | 887 |
| Efficiency ratio | 60.4467% | 5,883 |
| Assets per employee ($millions) | 4.1821% | 3,477 |
| Cash dividends to net income (ytd only)* | 70.8327% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5195% | 3,872 |
| Loan loss allowance to noncurrent loans | 241.7160% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 6,167 |
| Noncurrent loans to loans | 0.6286% | 5,948 |
| Net loans and leases to total assets | 79.1344% | 866 |
| Net loans and leases to deposits | 108.6306% | 285 |
| Net loans and leases to core deposits | 112.1817% | 924 |
| Total domestic deposits to total assets | 72.8472% | 7,046 |
| Equity capital to assets | 9.9501% | 4,220 |
| Core capital (leverage) ratio | 9.4023% | 4,051 |
| Tier 1 risk-based capital ratio | 11.0238% | 6,355 |
| Total risk-based capital ratio | 12.2763% | 6,331 |
| Memoranda: | ||
| Average total assets | $66,549,000 | 6,045 |
| Average earning assets | $63,673,000 | 5,930 |
| Average equity | $6,399,500 | 6,321 |
| Average total loans | $52,846,500 | 5,448 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9220% | 1,132 |
| Cost of funding earning assets | 2.0894% | 685 |
| Net interest margin | 3.8326% | 3,748 |
| Noninterest income to average assets | 0.2800% | 5,907 |
| Noninterest expense to average assets | 2.3575% | 6,189 |
| Loan and lease loss provision to assets | 0.1536% | 5,364 |
| Net operating income to assets | 1.4331% | 1,025 |
| Return on assets (ROA) | 1.4331% | 1,100 |
| Pretax return on assets | 1.4362% | 1,737 |
| Return on Equity (ROE) | 15.0792% | 848 |
| Retained earnings to average equity (ytd only) | 1.4572% | 5,142 |
| Net charge-offs to loans | 0.0761% | 5,380 |
| Credit loss provision to net charge-offs | 255.0000% | 1,499 |
| Earnings coverage of net charge-offs (x) | 26.4000% | 1,004 |
| Efficiency ratio | 59.7254% | 6,091 |
| Assets per employee ($millions) | 4.4714% | 2,920 |
| Cash dividends to net income (ytd only)* | 90.3361% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4981% | 3,950 |
| Loan loss allowance to noncurrent loans | 190.6921% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.6247% | 5,938 |
| Noncurrent loans to loans | 0.7856% | 5,703 |
| Net loans and leases to total assets | 78.3274% | 1,056 |
| Net loans and leases to deposits | 107.1181% | 345 |
| Net loans and leases to core deposits | 110.5744% | 1,131 |
| Total domestic deposits to total assets | 73.1225% | 7,083 |
| Equity capital to assets | 9.6137% | 4,525 |
| Core capital (leverage) ratio | 9.1873% | 4,318 |
| Tier 1 risk-based capital ratio | 10.7908% | 6,452 |
| Total risk-based capital ratio | 12.0427% | 6,437 |
| Memoranda: | ||
| Average total assets | $66,427,330 | 6,091 |
| Average earning assets | $63,559,670 | 5,970 |
| Average equity | $6,313,330 | 6,369 |
| Average total loans | $52,539,000 | 5,488 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8506% | 1,324 |
| Cost of funding earning assets | 2.1442% | 697 |
| Net interest margin | 3.7064% | 4,207 |
| Noninterest income to average assets | 0.2723% | 5,978 |
| Noninterest expense to average assets | 2.4930% | 5,753 |
| Loan and lease loss provision to assets | 0.1573% | 4,959 |
| Net operating income to assets | 1.1678% | 1,619 |
| Return on assets (ROA) | 1.1739% | 1,686 |
| Pretax return on assets | 1.1739% | 2,461 |
| Return on Equity (ROE) | 12.4240% | 1,385 |
| Retained earnings to average equity (ytd only) | -9.9904% | 6,970 |
| Net charge-offs to loans | 0.1534% | 4,009 |
| Credit loss provision to net charge-offs | 130.0000% | 2,718 |
| Earnings coverage of net charge-offs (x) | 10.9500% | 1,692 |
| Efficiency ratio | 65.2932% | 5,254 |
| Assets per employee ($millions) | 4.3417% | 3,221 |
| Cash dividends to net income (ytd only)* | 180.4124% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 3,899 |
| Loan loss allowance to noncurrent loans | 116.3910% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 1.0211% | 5,111 |
| Noncurrent loans to loans | 1.2909% | 4,821 |
| Net loans and leases to total assets | 77.9102% | 1,173 |
| Net loans and leases to deposits | 107.3069% | 367 |
| Net loans and leases to core deposits | 108.5814% | 1,374 |
| Total domestic deposits to total assets | 72.6050% | 7,206 |
| Equity capital to assets | 9.5094% | 4,518 |
| Core capital (leverage) ratio | 8.9370% | 4,670 |
| Tier 1 risk-based capital ratio | 10.7995% | 6,343 |
| Total risk-based capital ratio | 12.0515% | 6,323 |
| Memoranda: | ||
| Average total assets | $66,105,500 | 6,167 |
| Average earning assets | $63,241,500 | 6,046 |
| Average equity | $6,246,000 | 6,430 |
| Average total loans | $52,141,500 | 5,575 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1840% | 1,279 |
| Cost of funding earning assets | 2.3814% | 1,356 |
| Net interest margin | 3.8026% | 3,693 |
| Noninterest income to average assets | 0.3085% | 5,879 |
| Noninterest expense to average assets | 2.3630% | 6,567 |
| Loan and lease loss provision to assets | 0.4195% | 4,308 |
| Net operating income to assets | 1.1645% | 1,349 |
| Return on assets (ROA) | 1.1753% | 1,358 |
| Pretax return on assets | 1.1769% | 2,016 |
| Return on Equity (ROE) | 12.2721% | 1,095 |
| Retained earnings to average equity (ytd only) | 0.4348% | 4,662 |
| Net charge-offs to loans | 0.4298% | 4,079 |
| Credit loss provision to net charge-offs | 123.6364% | 4,264 |
| Earnings coverage of net charge-offs (x) | 4.6727% | 2,857 |
| Efficiency ratio | 59.8438% | 6,510 |
| Assets per employee ($millions) | 4.4724% | 2,973 |
| Cash dividends to net income (ytd only)* | 96.4567% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 3,943 |
| Loan loss allowance to noncurrent loans | 218.1818% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.5247% | 6,142 |
| Noncurrent loans to loans | 0.6670% | 5,908 |
| Net loans and leases to total assets | 77.5154% | 1,478 |
| Net loans and leases to deposits | 104.6444% | 615 |
| Net loans and leases to core deposits | 120.2164% | 1,935 |
| Total domestic deposits to total assets | 74.0751% | 7,004 |
| Equity capital to assets | 9.3894% | 4,578 |
| Core capital (leverage) ratio | 9.1474% | 4,203 |
| Tier 1 risk-based capital ratio | 10.8106% | 6,103 |
| Total risk-based capital ratio | 12.0618% | 6,076 |
| Memoranda: | ||
| Average total assets | $64,833,400 | 6,170 |
| Average earning assets | $62,063,200 | 6,059 |
| Average equity | $6,209,200 | 6,529 |
| Average total loans | $51,186,800 | 5,616 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2242% | 1,312 |
| Cost of funding earning assets | 2.3801% | 1,700 |
| Net interest margin | 3.8441% | 3,462 |
| Noninterest income to average assets | 0.3174% | 5,940 |
| Noninterest expense to average assets | 2.3919% | 6,438 |
| Loan and lease loss provision to assets | 0.1597% | 5,751 |
| Net operating income to assets | 1.4459% | 929 |
| Return on assets (ROA) | 1.4605% | 952 |
| Pretax return on assets | 1.4625% | 1,510 |
| Return on Equity (ROE) | 15.1718% | 751 |
| Retained earnings to average equity (ytd only) | 1.2714% | 4,610 |
| Net charge-offs to loans | 0.0105% | 6,790 |
| Credit loss provision to net charge-offs | 1,925.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 193.8668% | 202 |
| Efficiency ratio | 59.8029% | 6,443 |
| Assets per employee ($millions) | 4.3836% | 3,067 |
| Cash dividends to net income (ytd only)* | 91.6198% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 3,322 |
| Loan loss allowance to noncurrent loans | 39,400.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 7,607 |
| Noncurrent loans to loans | 0.0039% | 7,529 |
| Net loans and leases to total assets | 77.6074% | 1,652 |
| Net loans and leases to deposits | 104.6447% | 725 |
| Net loans and leases to core deposits | 120.7611% | 2,178 |
| Total domestic deposits to total assets | 74.1628% | 6,917 |
| Equity capital to assets | 9.7530% | 4,418 |
| Core capital (leverage) ratio | 9.3386% | 4,128 |
| Tier 1 risk-based capital ratio | 11.0602% | 5,890 |
| Total risk-based capital ratio | 12.3117% | 5,848 |
| Memoranda: | ||
| Average total assets | $64,270,250 | 6,239 |
| Average earning assets | $61,564,250 | 6,119 |
| Average equity | $6,186,750 | 6,597 |
| Average total loans | $50,791,000 | 5,679 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2553% | 1,321 |
| Cost of funding earning assets | 2.4104% | 1,927 |
| Net interest margin | 3.8449% | 3,356 |
| Noninterest income to average assets | 0.3418% | 5,773 |
| Noninterest expense to average assets | 2.3520% | 6,620 |
| Loan and lease loss provision to assets | 0.1599% | 5,462 |
| Net operating income to assets | 1.5084% | 820 |
| Return on assets (ROA) | 1.5304% | 839 |
| Pretax return on assets | 1.5335% | 1,365 |
| Return on Equity (ROE) | 15.9703% | 701 |
| Retained earnings to average equity (ytd only) | -2.1926% | 5,783 |
| Net charge-offs to loans | -0.0040% | 7,510 |
| Credit loss provision to net charge-offs | -5,100.0000% | 7,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4567% | 6,779 |
| Assets per employee ($millions) | 4.6246% | 2,564 |
| Cash dividends to net income (ytd only)* | 113.7295% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4769% | 3,317 |
| Loan loss allowance to noncurrent loans | 10,985.7143% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 7,613 |
| Noncurrent loans to loans | 0.0134% | 7,526 |
| Net loans and leases to total assets | 79.2339% | 1,477 |
| Net loans and leases to deposits | 106.3433% | 745 |
| Net loans and leases to core deposits | 121.6476% | 2,232 |
| Total domestic deposits to total assets | 74.5077% | 6,864 |
| Equity capital to assets | 9.4880% | 4,624 |
| Core capital (leverage) ratio | 9.3875% | 4,045 |
| Tier 1 risk-based capital ratio | 10.8542% | 6,031 |
| Total risk-based capital ratio | 12.1068% | 5,964 |
| Memoranda: | ||
| Average total assets | $63,775,670 | 6,305 |
| Average earning assets | $61,068,670 | 6,178 |
| Average equity | $6,111,330 | 6,682 |
| Average total loans | $50,448,670 | 5,749 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2601% | 1,409 |
| Cost of funding earning assets | 2.4683% | 2,031 |
| Net interest margin | 3.7918% | 3,478 |
| Noninterest income to average assets | 0.2718% | 6,258 |
| Noninterest expense to average assets | 2.2310% | 6,755 |
| Loan and lease loss provision to assets | 0.1643% | 4,828 |
| Net operating income to assets | 1.4978% | 940 |
| Return on assets (ROA) | 1.5421% | 942 |
| Pretax return on assets | 1.5421% | 1,553 |
| Return on Equity (ROE) | 16.0118% | 824 |
| Retained earnings to average equity (ytd only) | -14.5025% | 7,410 |
| Net charge-offs to loans | -0.0081% | 7,251 |
| Credit loss provision to net charge-offs | -2,600.0000% | 6,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3052% | 6,787 |
| Assets per employee ($millions) | 4.4266% | 2,834 |
| Cash dividends to net income (ytd only)* | 190.5738% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 2,966 |
| Loan loss allowance to noncurrent loans | 12,366.6667% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 7,613 |
| Noncurrent loans to loans | 0.0122% | 7,533 |
| Net loans and leases to total assets | 78.4116% | 1,716 |
| Net loans and leases to deposits | 105.7012% | 894 |
| Net loans and leases to core deposits | 121.7590% | 2,274 |
| Total domestic deposits to total assets | 74.1823% | 6,854 |
| Equity capital to assets | 9.7010% | 4,382 |
| Core capital (leverage) ratio | 9.3540% | 4,170 |
| Tier 1 risk-based capital ratio | 11.2186% | 5,684 |
| Total risk-based capital ratio | 12.4703% | 5,593 |
| Memoranda: | ||
| Average total assets | $63,291,000 | 6,349 |
| Average earning assets | $60,446,000 | 6,238 |
| Average equity | $6,095,500 | 6,728 |
| Average total loans | $49,638,500 | 5,813 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7814% | 1,749 |
| Cost of funding earning assets | 2.9080% | 2,235 |
| Net interest margin | 3.8734% | 3,689 |
| Noninterest income to average assets | 0.2599% | 6,592 |
| Noninterest expense to average assets | 2.1919% | 6,986 |
| Loan and lease loss provision to assets | 0.1646% | 5,279 |
| Net operating income to assets | 1.5818% | 859 |
| Return on assets (ROA) | 1.5818% | 825 |
| Pretax return on assets | 1.6076% | 1,364 |
| Return on Equity (ROE) | 16.7082% | 672 |
| Retained earnings to average equity (ytd only) | 0.0341% | 5,217 |
| Net charge-offs to loans | 0.0813% | 5,604 |
| Credit loss provision to net charge-offs | 255.0000% | 1,827 |
| Earnings coverage of net charge-offs (x) | 27.4500% | 1,245 |
| Efficiency ratio | 55.2932% | 7,109 |
| Assets per employee ($millions) | 4.3073% | 2,945 |
| Cash dividends to net income (ytd only)* | 99.7959% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 3,011 |
| Loan loss allowance to noncurrent loans | 14,320.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 7,607 |
| Noncurrent loans to loans | 0.0100% | 7,510 |
| Net loans and leases to total assets | 76.1891% | 2,570 |
| Net loans and leases to deposits | 99.6801% | 1,866 |
| Net loans and leases to core deposits | 113.9468% | 3,347 |
| Total domestic deposits to total assets | 76.4336% | 6,138 |
| Equity capital to assets | 9.5637% | 4,595 |
| Core capital (leverage) ratio | 9.5637% | 3,923 |
| Tier 1 risk-based capital ratio | 11.4272% | 5,310 |
| Total risk-based capital ratio | 12.6779% | 5,210 |
| Memoranda: | ||
| Average total assets | $61,954,400 | 6,318 |
| Average earning assets | $59,250,600 | 6,207 |
| Average equity | $5,865,400 | 6,850 |
| Average total loans | $49,182,200 | 5,737 |