Home > Sloan State Bank > Performance and Condition Ratios
Sloan State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2974% | 4,072 |
| Cost of funding earning assets | 1.0930% | 3,892 |
| Net interest margin | 3.2043% | 3,003 |
| Noninterest income to average assets | 0.0700% | 4,241 |
| Noninterest expense to average assets | 1.7525% | 3,979 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.3630% | 1,340 |
| Return on assets (ROA) | 1.3630% | 1,334 |
| Pretax return on assets | 1.4187% | 1,691 |
| Return on Equity (ROE) | 28.9700% | 125 |
| Retained earnings to average equity (ytd only) | 28.9727% | 49 |
| Net charge-offs to loans | 0.0334% | 1,362 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 127.5000% | 598 |
| Efficiency ratio | 55.2632% | 3,494 |
| Assets per employee ($millions) | 6.6575% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 1,804 |
| Loan loss allowance to noncurrent loans | 89.7898% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.5599% | 1,332 |
| Noncurrent loans to loans | 1.4211% | 707 |
| Net loans and leases to total assets | 31.5900% | 4,172 |
| Net loans and leases to deposits | 33.3079% | 4,222 |
| Net loans and leases to core deposits | 33.8390% | 4,230 |
| Total domestic deposits to total assets | 94.8400% | 46 |
| Equity capital to assets | 4.9513% | 4,375 |
| Core capital (leverage) ratio | 11.5478% | 1,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $71,899,000 | 4,022 |
| Average earning assets | $69,530,500 | 3,977 |
| Average equity | $3,382,500 | 4,334 |
| Average total loans | $23,920,000 | 4,161 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3751% | 4,008 |
| Cost of funding earning assets | 1.1270% | 3,905 |
| Net interest margin | 3.2481% | 2,624 |
| Noninterest income to average assets | 0.1600% | 3,940 |
| Noninterest expense to average assets | 1.8721% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.3651% | 1,135 |
| Return on assets (ROA) | 1.3651% | 1,135 |
| Pretax return on assets | 1.4330% | 1,427 |
| Return on Equity (ROE) | 31.6700% | 88 |
| Retained earnings to average equity (ytd only) | 7.0371% | 1,421 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 56.6434% | 3,492 |
| Assets per employee ($millions) | 6.4150% | 2,561 |
| Cash dividends to net income (ytd only)* | 77.7778% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 2,007 |
| Loan loss allowance to noncurrent loans | 55.3309% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.8815% | 790 |
| Noncurrent loans to loans | 2.2288% | 343 |
| Net loans and leases to total assets | 34.1600% | 4,146 |
| Net loans and leases to deposits | 35.8378% | 4,218 |
| Net loans and leases to core deposits | 37.7043% | 4,222 |
| Total domestic deposits to total assets | 95.3300% | 47 |
| Equity capital to assets | 4.4484% | 4,398 |
| Core capital (leverage) ratio | 11.2481% | 1,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $69,227,200 | 4,054 |
| Average earning assets | $66,992,000 | 4,006 |
| Average equity | $2,984,200 | 4,372 |
| Average total loans | $23,513,800 | 4,174 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 4,010 |
| Cost of funding earning assets | 1.1170% | 3,918 |
| Net interest margin | 3.2368% | 2,602 |
| Noninterest income to average assets | 0.1700% | 3,870 |
| Noninterest expense to average assets | 1.7902% | 3,947 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.4399% | 1,032 |
| Return on assets (ROA) | 1.4399% | 1,028 |
| Pretax return on assets | 1.5057% | 1,298 |
| Return on Equity (ROE) | 33.6800% | 81 |
| Retained earnings to average equity (ytd only) | 7.8762% | 1,431 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 54.3159% | 3,694 |
| Assets per employee ($millions) | 6.2972% | 2,660 |
| Cash dividends to net income (ytd only)* | 76.6129% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 1,584 |
| Loan loss allowance to noncurrent loans | 62.8392% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.8070% | 847 |
| Noncurrent loans to loans | 2.1189% | 356 |
| Net loans and leases to total assets | 32.2000% | 4,216 |
| Net loans and leases to deposits | 34.3291% | 4,278 |
| Net loans and leases to core deposits | 34.9116% | 4,285 |
| Total domestic deposits to total assets | 93.8000% | 43 |
| Equity capital to assets | 5.9738% | 4,343 |
| Core capital (leverage) ratio | 11.9042% | 1,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $68,892,750 | 4,072 |
| Average earning assets | $66,606,500 | 4,032 |
| Average equity | $2,945,500 | 4,404 |
| Average total loans | $23,290,250 | 4,200 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3548% | 3,963 |
| Cost of funding earning assets | 1.0940% | 3,921 |
| Net interest margin | 3.2608% | 2,504 |
| Noninterest income to average assets | 0.2000% | 3,684 |
| Noninterest expense to average assets | 1.7596% | 3,999 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.5182% | 889 |
| Return on assets (ROA) | 1.5182% | 891 |
| Pretax return on assets | 1.5909% | 1,136 |
| Return on Equity (ROE) | 40.9700% | 58 |
| Retained earnings to average equity (ytd only) | 9.9686% | 891 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 52.5174% | 3,861 |
| Assets per employee ($millions) | 6.2574% | 2,594 |
| Cash dividends to net income (ytd only)* | 75.6705% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 1,715 |
| Loan loss allowance to noncurrent loans | 45.8841% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.0722% | 541 |
| Noncurrent loans to loans | 2.8445% | 207 |
| Net loans and leases to total assets | 33.0700% | 4,207 |
| Net loans and leases to deposits | 34.5345% | 4,282 |
| Net loans and leases to core deposits | 36.0559% | 4,281 |
| Total domestic deposits to total assets | 95.7500% | 28 |
| Equity capital to assets | 4.0403% | 4,465 |
| Core capital (leverage) ratio | 11.6730% | 1,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $68,767,333 | 4,089 |
| Average earning assets | $66,363,333 | 4,047 |
| Average equity | $2,548,000 | 4,437 |
| Average total loans | $23,518,333 | 4,218 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3705% | 3,874 |
| Cost of funding earning assets | 1.0730% | 3,910 |
| Net interest margin | 3.2975% | 2,347 |
| Noninterest income to average assets | 0.0900% | 4,252 |
| Noninterest expense to average assets | 1.7575% | 4,014 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.4549% | 972 |
| Return on assets (ROA) | 1.4549% | 976 |
| Pretax return on assets | 1.5189% | 1,221 |
| Return on Equity (ROE) | 41.1300% | 59 |
| Retained earnings to average equity (ytd only) | 8.2254% | 1,495 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 53.6412% | 3,791 |
| Assets per employee ($millions) | 6.9741% | 2,105 |
| Cash dividends to net income (ytd only)* | 80.0000% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 1,796 |
| Loan loss allowance to noncurrent loans | 33.0406% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.4253% | 327 |
| Noncurrent loans to loans | 3.9050% | 100 |
| Net loans and leases to total assets | 33.0200% | 4,214 |
| Net loans and leases to deposits | 34.2689% | 4,284 |
| Net loans and leases to core deposits | 35.8826% | 4,333 |
| Total domestic deposits to total assets | 96.3500% | 43 |
| Equity capital to assets | 3.4155% | 4,504 |
| Core capital (leverage) ratio | 11.2012% | 1,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $68,735,500 | 4,116 |
| Average earning assets | $66,354,000 | 4,072 |
| Average equity | $2,431,500 | 4,467 |
| Average total loans | $23,746,500 | 4,236 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0065% | 3,958 |
| Cost of funding earning assets | 0.6495% | 3,998 |
| Net interest margin | 3.3571% | 2,502 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.7049% | 4,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5807% | 888 |
| Return on assets (ROA) | 1.5807% | 859 |
| Pretax return on assets | 1.6592% | 1,138 |
| Return on Equity (ROE) | 69.7700% | 25 |
| Retained earnings to average equity (ytd only) | 44.5844% | 18 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 50.6785% | 3,929 |
| Assets per employee ($millions) | 6.7730% | 2,227 |
| Cash dividends to net income (ytd only)* | 36.1011% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 2,042 |
| Loan loss allowance to noncurrent loans | 65.1515% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.8076% | 630 |
| Noncurrent loans to loans | 1.9119% | 306 |
| Net loans and leases to total assets | 35.2300% | 4,176 |
| Net loans and leases to deposits | 36.6413% | 4,263 |
| Net loans and leases to core deposits | 38.5746% | 4,304 |
| Total domestic deposits to total assets | 96.1600% | 37 |
| Equity capital to assets | 3.6631% | 4,516 |
| Core capital (leverage) ratio | 11.9875% | 1,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $70,094,000 | 4,111 |
| Average earning assets | $67,439,800 | 4,062 |
| Average equity | $1,588,000 | 4,508 |
| Average total loans | $22,699,600 | 4,256 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9801% | 3,884 |
| Cost of funding earning assets | 0.5218% | 4,102 |
| Net interest margin | 3.4584% | 2,317 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 1.5524% | 4,276 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8165% | 645 |
| Return on assets (ROA) | 1.8165% | 638 |
| Pretax return on assets | 1.9070% | 852 |
| Return on Equity (ROE) | 94.0800% | 19 |
| Retained earnings to average equity (ytd only) | 62.3298% | 23 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 44.8746% | 4,194 |
| Assets per employee ($millions) | 6.2233% | 2,545 |
| Cash dividends to net income (ytd only)* | 33.7487% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 2,138 |
| Loan loss allowance to noncurrent loans | 73.9558% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.7216% | 780 |
| Noncurrent loans to loans | 1.6827% | 402 |
| Net loans and leases to total assets | 34.8900% | 4,219 |
| Net loans and leases to deposits | 36.6635% | 4,280 |
| Net loans and leases to core deposits | 38.9083% | 4,277 |
| Total domestic deposits to total assets | 95.1700% | 113 |
| Equity capital to assets | 1.4067% | 4,562 |
| Core capital (leverage) ratio | 11.7639% | 1,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $70,685,000 | 4,120 |
| Average earning assets | $67,969,000 | 4,078 |
| Average equity | $1,364,750 | 4,537 |
| Average total loans | $22,333,500 | 4,283 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9744% | 3,740 |
| Cost of funding earning assets | 0.3853% | 4,191 |
| Net interest margin | 3.5891% | 2,060 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 1.5008% | 4,332 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9992% | 466 |
| Return on assets (ROA) | 1.9992% | 465 |
| Pretax return on assets | 2.1000% | 628 |
| Return on Equity (ROE) | 95.2800% | 22 |
| Retained earnings to average equity (ytd only) | 64.5907% | 21 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 41.6796% | 4,348 |
| Assets per employee ($millions) | 6.4335% | 2,349 |
| Cash dividends to net income (ytd only)* | 32.2129% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3807% | 1,602 |
| Loan loss allowance to noncurrent loans | 71.3270% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.7207% | 721 |
| Noncurrent loans to loans | 1.9357% | 295 |
| Net loans and leases to total assets | 30.3800% | 4,321 |
| Net loans and leases to deposits | 31.1969% | 4,383 |
| Net loans and leases to core deposits | 31.4323% | 4,389 |
| Total domestic deposits to total assets | 97.3800% | 40 |
| Equity capital to assets | 2.4757% | 4,590 |
| Core capital (leverage) ratio | 10.6205% | 2,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $71,428,000 | 4,132 |
| Average earning assets | $69,042,667 | 4,086 |
| Average equity | $1,498,667 | 4,566 |
| Average total loans | $21,715,333 | 4,308 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9092% | 3,652 |
| Cost of funding earning assets | 0.3056% | 4,183 |
| Net interest margin | 3.6036% | 2,119 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 1.5497% | 4,353 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9510% | 533 |
| Return on assets (ROA) | 1.9510% | 523 |
| Pretax return on assets | 2.0458% | 717 |
| Return on Equity (ROE) | 102.0400% | 22 |
| Retained earnings to average equity (ytd only) | 102.0408% | 14 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.1008% | 4,338 |
| Assets per employee ($millions) | 7.5315% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4547% | 1,416 |
| Loan loss allowance to noncurrent loans | 76.2025% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.6440% | 782 |
| Noncurrent loans to loans | 1.9090% | 310 |
| Net loans and leases to total assets | 27.0700% | 4,424 |
| Net loans and leases to deposits | 27.7774% | 4,484 |
| Net loans and leases to core deposits | 27.9721% | 4,484 |
| Total domestic deposits to total assets | 97.4600% | 25 |
| Equity capital to assets | 2.3700% | 4,622 |
| Core capital (leverage) ratio | 10.3047% | 2,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $71,757,500 | 4,183 |
| Average earning assets | $69,374,500 | 4,141 |
| Average equity | $1,372,000 | 4,637 |
| Average total loans | $21,672,500 | 4,364 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1703% | 3,871 |
| Cost of funding earning assets | 0.1700% | 4,000 |
| Net interest margin | 3.0003% | 3,450 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 1.5404% | 4,381 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3962% | 1,141 |
| Return on assets (ROA) | 1.3962% | 1,096 |
| Pretax return on assets | 1.4669% | 1,550 |
| Return on Equity (ROE) | 30.8300% | 107 |
| Retained earnings to average equity (ytd only) | 11.6214% | 758 |
| Net charge-offs to loans | 0.0185% | 1,732 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 259.2500% | 538 |
| Efficiency ratio | 51.2230% | 4,048 |
| Assets per employee ($millions) | 6.2000% | 2,592 |
| Cash dividends to net income (ytd only)* | 62.3100% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 1,765 |
| Loan loss allowance to noncurrent loans | 62.8392% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 0.8372% | 553 |
| Noncurrent loans to loans | 2.1144% | 253 |
| Net loans and leases to total assets | 32.7800% | 4,317 |
| Net loans and leases to deposits | 33.2743% | 4,407 |
| Net loans and leases to core deposits | 33.4011% | 4,428 |
| Total domestic deposits to total assets | 98.5000% | 25 |
| Equity capital to assets | 1.4062% | 4,669 |
| Core capital (leverage) ratio | 10.5559% | 2,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $70,694,200 | 4,227 |
| Average earning assets | $67,659,400 | 4,182 |
| Average equity | $3,201,000 | 4,595 |
| Average total loans | $21,637,200 | 4,385 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9905% | 3,901 |
| Cost of funding earning assets | 0.1528% | 3,823 |
| Net interest margin | 2.8378% | 3,656 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 1.4732% | 4,450 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2918% | 1,378 |
| Return on assets (ROA) | 1.2918% | 1,346 |
| Pretax return on assets | 1.3610% | 1,847 |
| Return on Equity (ROE) | 24.4900% | 203 |
| Retained earnings to average equity (ytd only) | 16.8723% | 219 |
| Net charge-offs to loans | 0.0249% | 1,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 182.0000% | 657 |
| Efficiency ratio | 51.9789% | 4,008 |
| Assets per employee ($millions) | 6.7211% | 2,147 |
| Cash dividends to net income (ytd only)* | 31.1143% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 1,862 |
| Loan loss allowance to noncurrent loans | 89.0533% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.6413% | 826 |
| Noncurrent loans to loans | 1.4996% | 473 |
| Net loans and leases to total assets | 33.0900% | 4,338 |
| Net loans and leases to deposits | 34.1850% | 4,416 |
| Net loans and leases to core deposits | 34.3184% | 4,438 |
| Total domestic deposits to total assets | 96.7900% | 88 |
| Equity capital to assets | 1.6664% | 4,670 |
| Core capital (leverage) ratio | 10.8139% | 1,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $71,317,750 | 4,254 |
| Average earning assets | $68,079,500 | 4,209 |
| Average equity | $3,761,500 | 4,592 |
| Average total loans | $21,383,000 | 4,421 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8147% | 3,949 |
| Cost of funding earning assets | 0.1384% | 3,731 |
| Net interest margin | 2.6763% | 3,753 |
| Noninterest income to average assets | 0.1211% | 4,393 |
| Noninterest expense to average assets | 1.4363% | 4,495 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1749% | 1,519 |
| Return on assets (ROA) | 1.1749% | 1,498 |
| Pretax return on assets | 1.2382% | 1,939 |
| Return on Equity (ROE) | 18.3972% | 427 |
| Retained earnings to average equity (ytd only) | 13.4425% | 416 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7037% | 3,991 |
| Assets per employee ($millions) | 6.5235% | 2,296 |
| Cash dividends to net income (ytd only)* | 26.9321% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 1,491 |
| Loan loss allowance to noncurrent loans | 40.3974% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.1845% | 359 |
| Noncurrent loans to loans | 3.6365% | 108 |
| Net loans and leases to total assets | 28.5079% | 4,505 |
| Net loans and leases to deposits | 29.4134% | 4,556 |
| Net loans and leases to core deposits | 29.5199% | 4,579 |
| Total domestic deposits to total assets | 96.9216% | 54 |
| Equity capital to assets | 2.9752% | 4,688 |
| Core capital (leverage) ratio | 9.7056% | 2,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,686,667 | 4,286 |
| Average earning assets | $69,350,000 | 4,253 |
| Average equity | $4,642,000 | 4,558 |
| Average total loans | $20,997,667 | 4,486 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6407% | 4,049 |
| Cost of funding earning assets | 0.1263% | 3,817 |
| Net interest margin | 2.5144% | 3,876 |
| Noninterest income to average assets | 0.1039% | 4,490 |
| Noninterest expense to average assets | 1.4381% | 4,493 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0061% | 1,858 |
| Return on assets (ROA) | 1.0061% | 1,849 |
| Pretax return on assets | 1.0608% | 2,260 |
| Return on Equity (ROE) | 12.4841% | 1,168 |
| Retained earnings to average equity (ytd only) | 12.4841% | 531 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5492% | 3,731 |
| Assets per employee ($millions) | 7.6198% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5697% | 1,348 |
| Loan loss allowance to noncurrent loans | 89.7059% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 1,036 |
| Noncurrent loans to loans | 1.7498% | 446 |
| Net loans and leases to total assets | 25.1004% | 4,590 |
| Net loans and leases to deposits | 26.7265% | 4,626 |
| Net loans and leases to core deposits | 26.7265% | 4,641 |
| Total domestic deposits to total assets | 93.9159% | 119 |
| Equity capital to assets | 5.9897% | 4,588 |
| Core capital (leverage) ratio | 9.3848% | 2,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,150,500 | 4,306 |
| Average earning assets | $69,679,500 | 4,271 |
| Average equity | $5,895,500 | 4,477 |
| Average total loans | $21,115,500 | 4,496 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3174% | 3,155 |
| Cost of funding earning assets | 0.1893% | 3,565 |
| Net interest margin | 3.1281% | 2,810 |
| Noninterest income to average assets | 0.2109% | 4,108 |
| Noninterest expense to average assets | 1.5971% | 4,429 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5459% | 925 |
| Return on assets (ROA) | 1.5459% | 959 |
| Pretax return on assets | 1.6272% | 1,346 |
| Return on Equity (ROE) | 14.2302% | 1,120 |
| Retained earnings to average equity (ytd only) | 2.6907% | 3,765 |
| Net charge-offs to loans | -0.0041% | 3,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5327% | 4,320 |
| Assets per employee ($millions) | 6.3730% | 2,431 |
| Cash dividends to net income (ytd only)* | 81.0916% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 2,191 |
| Loan loss allowance to noncurrent loans | 69.4761% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.7660% | 796 |
| Noncurrent loans to loans | 1.9254% | 410 |
| Net loans and leases to total assets | 32.0885% | 4,445 |
| Net loans and leases to deposits | 35.8206% | 4,480 |
| Net loans and leases to core deposits | 35.9684% | 4,518 |
| Total domestic deposits to total assets | 89.5810% | 1,185 |
| Equity capital to assets | 10.3091% | 2,361 |
| Core capital (leverage) ratio | 9.9570% | 2,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,370,000 | 4,376 |
| Average earning assets | $63,936,400 | 4,335 |
| Average equity | $7,210,000 | 4,405 |
| Average total loans | $24,156,000 | 4,495 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3578% | 3,225 |
| Cost of funding earning assets | 0.1990% | 3,614 |
| Net interest margin | 3.1588% | 2,862 |
| Noninterest income to average assets | 0.1467% | 4,459 |
| Noninterest expense to average assets | 1.5322% | 4,557 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5852% | 1,065 |
| Return on assets (ROA) | 1.5852% | 1,114 |
| Pretax return on assets | 1.6545% | 1,537 |
| Return on Equity (ROE) | 14.3956% | 1,285 |
| Retained earnings to average equity (ytd only) | 6.4391% | 2,635 |
| Net charge-offs to loans | -0.0054% | 3,460 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0818% | 4,359 |
| Assets per employee ($millions) | 5.9432% | 2,748 |
| Cash dividends to net income (ytd only)* | 55.2699% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 2,519 |
| Loan loss allowance to noncurrent loans | 52.3156% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.0432% | 622 |
| Noncurrent loans to loans | 2.4734% | 300 |
| Net loans and leases to total assets | 35.5885% | 4,407 |
| Net loans and leases to deposits | 40.2408% | 4,443 |
| Net loans and leases to core deposits | 40.4211% | 4,500 |
| Total domestic deposits to total assets | 88.4390% | 1,606 |
| Equity capital to assets | 11.4203% | 1,727 |
| Core capital (leverage) ratio | 10.5706% | 1,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2363% | 3,068 |
| Memoranda: | ||
| Average total assets | $65,436,750 | 4,445 |
| Average earning assets | $62,975,250 | 4,403 |
| Average equity | $7,205,750 | 4,469 |
| Average total loans | $24,495,000 | 4,546 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2197% | 3,632 |
| Cost of funding earning assets | 0.2125% | 3,632 |
| Net interest margin | 3.0072% | 3,301 |
| Noninterest income to average assets | 0.1589% | 4,402 |
| Noninterest expense to average assets | 1.4972% | 4,623 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4972% | 1,301 |
| Return on assets (ROA) | 1.4972% | 1,364 |
| Pretax return on assets | 1.5583% | 1,851 |
| Return on Equity (ROE) | 13.7660% | 1,486 |
| Retained earnings to average equity (ytd only) | 9.5519% | 1,539 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0000% | 4,323 |
| Assets per employee ($millions) | 7.5646% | 1,437 |
| Cash dividends to net income (ytd only)* | 30.6122% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 2,479 |
| Loan loss allowance to noncurrent loans | 39.2258% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.2852% | 502 |
| Noncurrent loans to loans | 3.2928% | 200 |
| Net loans and leases to total assets | 34.1241% | 4,538 |
| Net loans and leases to deposits | 38.3702% | 4,569 |
| Net loans and leases to core deposits | 38.5338% | 4,612 |
| Total domestic deposits to total assets | 88.9338% | 1,314 |
| Equity capital to assets | 10.9428% | 2,028 |
| Core capital (leverage) ratio | 10.2412% | 2,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,457,333 | 4,474 |
| Average earning assets | $63,049,000 | 4,436 |
| Average equity | $7,119,000 | 4,500 |
| Average total loans | $24,803,000 | 4,573 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1934% | 3,706 |
| Cost of funding earning assets | 0.2337% | 3,617 |
| Net interest margin | 2.9597% | 3,355 |
| Noninterest income to average assets | 0.1808% | 4,289 |
| Noninterest expense to average assets | 1.5215% | 4,630 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4592% | 1,425 |
| Return on assets (ROA) | 1.4592% | 1,485 |
| Pretax return on assets | 1.5028% | 1,984 |
| Return on Equity (ROE) | 13.4608% | 1,552 |
| Retained earnings to average equity (ytd only) | 13.4608% | 822 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3093% | 4,162 |
| Assets per employee ($millions) | 6.5964% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 2,500 |
| Loan loss allowance to noncurrent loans | 61.7886% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.9005% | 956 |
| Noncurrent loans to loans | 2.0807% | 500 |
| Net loans and leases to total assets | 35.3860% | 4,534 |
| Net loans and leases to deposits | 39.3851% | 4,585 |
| Net loans and leases to core deposits | 39.7588% | 4,631 |
| Total domestic deposits to total assets | 89.8460% | 894 |
| Equity capital to assets | 10.0570% | 2,658 |
| Core capital (leverage) ratio | 10.4649% | 2,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,145,500 | 4,505 |
| Average earning assets | $61,627,500 | 4,467 |
| Average equity | $6,953,500 | 4,531 |
| Average total loans | $25,436,500 | 4,584 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6793% | 3,630 |
| Cost of funding earning assets | 0.3662% | 3,785 |
| Net interest margin | 3.3132% | 3,036 |
| Noninterest income to average assets | 0.1540% | 4,525 |
| Noninterest expense to average assets | 1.7768% | 4,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.4739% | 866 |
| Return on assets (ROA) | 1.4739% | 943 |
| Pretax return on assets | 1.5466% | 1,206 |
| Return on Equity (ROE) | 12.1171% | 1,293 |
| Retained earnings to average equity (ytd only) | 1.5859% | 3,999 |
| Net charge-offs to loans | 0.0178% | 2,734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 182.8000% | 500 |
| Efficiency ratio | 53.4623% | 4,258 |
| Assets per employee ($millions) | 5.6661% | 2,666 |
| Cash dividends to net income (ytd only)* | 86.9116% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 3,383 |
| Loan loss allowance to noncurrent loans | 73.2530% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 0.8311% | 1,218 |
| Noncurrent loans to loans | 1.5242% | 870 |
| Net loans and leases to total assets | 43.1964% | 4,292 |
| Net loans and leases to deposits | 48.9767% | 4,358 |
| Net loans and leases to core deposits | 49.4763% | 4,440 |
| Total domestic deposits to total assets | 88.1977% | 1,376 |
| Equity capital to assets | 11.6691% | 1,754 |
| Core capital (leverage) ratio | 10.7276% | 1,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,096,200 | 4,524 |
| Average earning assets | $56,532,200 | 4,488 |
| Average equity | $7,188,200 | 4,505 |
| Average total loans | $28,087,600 | 4,554 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6887% | 3,818 |
| Cost of funding earning assets | 0.3899% | 3,863 |
| Net interest margin | 3.2988% | 3,197 |
| Noninterest income to average assets | 0.2585% | 3,931 |
| Noninterest expense to average assets | 1.7247% | 4,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6081% | 713 |
| Return on assets (ROA) | 1.6081% | 781 |
| Pretax return on assets | 1.6881% | 991 |
| Return on Equity (ROE) | 13.0781% | 1,089 |
| Retained earnings to average equity (ytd only) | 4.8555% | 2,630 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5362% | 4,455 |
| Assets per employee ($millions) | 5.3228% | 2,866 |
| Cash dividends to net income (ytd only)* | 62.8734% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 3,183 |
| Loan loss allowance to noncurrent loans | 30.1170% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 1.8872% | 377 |
| Noncurrent loans to loans | 3.6680% | 201 |
| Net loans and leases to total assets | 47.2460% | 4,255 |
| Net loans and leases to deposits | 54.1912% | 4,331 |
| Net loans and leases to core deposits | 54.7858% | 4,419 |
| Total domestic deposits to total assets | 87.1838% | 1,586 |
| Equity capital to assets | 12.6351% | 1,359 |
| Core capital (leverage) ratio | 11.3011% | 1,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,288,500 | 4,551 |
| Average earning assets | $55,736,250 | 4,516 |
| Average equity | $7,167,000 | 4,529 |
| Average total loans | $28,302,750 | 4,566 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8185% | 3,813 |
| Cost of funding earning assets | 0.4103% | 3,995 |
| Net interest margin | 3.4082% | 3,071 |
| Noninterest income to average assets | 0.3161% | 3,572 |
| Noninterest expense to average assets | 1.7457% | 4,634 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7388% | 573 |
| Return on assets (ROA) | 1.7388% | 623 |
| Pretax return on assets | 1.8247% | 774 |
| Return on Equity (ROE) | 14.2736% | 835 |
| Retained earnings to average equity (ytd only) | 9.4781% | 882 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8932% | 4,567 |
| Assets per employee ($millions) | 6.0889% | 2,102 |
| Cash dividends to net income (ytd only)* | 33.5968% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 2,858 |
| Loan loss allowance to noncurrent loans | 60.9467% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 0.9673% | 1,244 |
| Noncurrent loans to loans | 1.8601% | 747 |
| Net loans and leases to total assets | 44.2559% | 4,441 |
| Net loans and leases to deposits | 50.4370% | 4,511 |
| Net loans and leases to core deposits | 50.9636% | 4,603 |
| Total domestic deposits to total assets | 87.7449% | 1,309 |
| Equity capital to assets | 12.1024% | 1,606 |
| Core capital (leverage) ratio | 11.6326% | 1,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,201,000 | 4,564 |
| Average earning assets | $55,571,667 | 4,535 |
| Average equity | $7,090,000 | 4,555 |
| Average total loans | $28,413,000 | 4,589 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2857% | 2,968 |
| Cost of funding earning assets | 0.4500% | 4,155 |
| Net interest margin | 3.8358% | 1,863 |
| Noninterest income to average assets | 0.1688% | 4,525 |
| Noninterest expense to average assets | 1.8503% | 4,609 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8854% | 345 |
| Return on assets (ROA) | 1.8854% | 380 |
| Pretax return on assets | 1.9769% | 474 |
| Return on Equity (ROE) | 15.4234% | 498 |
| Retained earnings to average equity (ytd only) | 15.4234% | 169 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3456% | 4,738 |
| Assets per employee ($millions) | 5.1719% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 3,125 |
| Loan loss allowance to noncurrent loans | 49.7585% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.2357% | 980 |
| Noncurrent loans to loans | 2.2365% | 586 |
| Net loans and leases to total assets | 48.2625% | 4,321 |
| Net loans and leases to deposits | 55.1888% | 4,397 |
| Net loans and leases to core deposits | 55.4687% | 4,514 |
| Total domestic deposits to total assets | 87.4497% | 1,358 |
| Equity capital to assets | 12.3816% | 1,802 |
| Core capital (leverage) ratio | 11.9080% | 1,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7556% | 583 |
| Memoranda: | ||
| Average total assets | $56,857,000 | 4,591 |
| Average earning assets | $54,226,500 | 4,569 |
| Average equity | $6,950,500 | 4,604 |
| Average total loans | $28,991,500 | 4,616 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1779% | 3,859 |
| Cost of funding earning assets | 0.4965% | 4,108 |
| Net interest margin | 3.6814% | 2,866 |
| Noninterest income to average assets | 0.2416% | 4,230 |
| Noninterest expense to average assets | 1.8255% | 4,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.8467% | 483 |
| Return on assets (ROA) | 1.8467% | 505 |
| Pretax return on assets | 1.9472% | 669 |
| Return on Equity (ROE) | 15.3339% | 626 |
| Retained earnings to average equity (ytd only) | 3.3978% | 3,314 |
| Net charge-offs to loans | 0.0494% | 2,405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 78.8571% | 799 |
| Efficiency ratio | 48.3871% | 4,809 |
| Assets per employee ($millions) | 5.1657% | 2,376 |
| Cash dividends to net income (ytd only)* | 77.8415% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 3,366 |
| Loan loss allowance to noncurrent loans | 70.8716% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.9169% | 1,388 |
| Noncurrent loans to loans | 1.4429% | 1,016 |
| Net loans and leases to total assets | 52.6336% | 4,176 |
| Net loans and leases to deposits | 59.9431% | 4,292 |
| Net loans and leases to core deposits | 59.9431% | 4,445 |
| Total domestic deposits to total assets | 87.8060% | 1,225 |
| Equity capital to assets | 12.0673% | 2,097 |
| Core capital (leverage) ratio | 11.6916% | 1,965 |
| Tier 1 risk-based capital ratio | 20.1548% | 1,308 |
| Total risk-based capital ratio | 21.0966% | 1,314 |
| Memoranda: | ||
| Average total assets | $56,695,600 | 4,636 |
| Average earning assets | $54,381,800 | 4,604 |
| Average equity | $6,828,000 | 4,655 |
| Average total loans | $28,326,600 | 4,676 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1172% | 4,117 |
| Cost of funding earning assets | 0.4880% | 4,190 |
| Net interest margin | 3.6292% | 3,174 |
| Noninterest income to average assets | 0.2353% | 4,332 |
| Noninterest expense to average assets | 1.7200% | 4,902 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8965% | 496 |
| Return on assets (ROA) | 1.8965% | 517 |
| Pretax return on assets | 1.9977% | 688 |
| Return on Equity (ROE) | 15.7555% | 645 |
| Retained earnings to average equity (ytd only) | 6.8613% | 1,925 |
| Net charge-offs to loans | 0.0622% | 1,931 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 65.3185% | 1,004 |
| Efficiency ratio | 46.2658% | 4,930 |
| Assets per employee ($millions) | 4.9069% | 2,656 |
| Cash dividends to net income (ytd only)* | 56.4515% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,134 |
| Loan loss allowance to noncurrent loans | 37.2596% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 1.7026% | 604 |
| Noncurrent loans to loans | 2.8965% | 352 |
| Net loans and leases to total assets | 52.6419% | 4,273 |
| Net loans and leases to deposits | 60.7682% | 4,350 |
| Net loans and leases to core deposits | 60.7682% | 4,504 |
| Total domestic deposits to total assets | 86.6274% | 1,719 |
| Equity capital to assets | 13.1929% | 1,515 |
| Core capital (leverage) ratio | 12.1337% | 1,767 |
| Tier 1 risk-based capital ratio | 21.5484% | 1,128 |
| Total risk-based capital ratio | 22.5405% | 1,134 |
| Memoranda: | ||
| Average total assets | $56,663,750 | 4,709 |
| Average earning assets | $54,372,250 | 4,674 |
| Average equity | $6,820,750 | 4,718 |
| Average total loans | $27,854,000 | 4,752 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0481% | 4,287 |
| Cost of funding earning assets | 0.4639% | 4,265 |
| Net interest margin | 3.5842% | 3,317 |
| Noninterest income to average assets | 0.2675% | 4,148 |
| Noninterest expense to average assets | 1.6713% | 5,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9215% | 451 |
| Return on assets (ROA) | 1.9215% | 474 |
| Pretax return on assets | 2.0327% | 639 |
| Return on Equity (ROE) | 16.4567% | 529 |
| Retained earnings to average equity (ytd only) | 11.6953% | 442 |
| Net charge-offs to loans | 0.0073% | 2,888 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 585.0000% | 131 |
| Efficiency ratio | 45.1220% | 5,023 |
| Assets per employee ($millions) | 5.2211% | 2,233 |
| Cash dividends to net income (ytd only)* | 28.9331% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 2,726 |
| Loan loss allowance to noncurrent loans | 109.1525% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6704% | 2,046 |
| Noncurrent loans to loans | 1.0642% | 1,542 |
| Net loans and leases to total assets | 47.7069% | 4,581 |
| Net loans and leases to deposits | 54.5167% | 4,665 |
| Net loans and leases to core deposits | 54.5167% | 4,767 |
| Total domestic deposits to total assets | 87.5087% | 1,336 |
| Equity capital to assets | 12.3381% | 1,949 |
| Core capital (leverage) ratio | 11.7619% | 1,977 |
| Tier 1 risk-based capital ratio | 21.1474% | 1,159 |
| Total risk-based capital ratio | 22.1525% | 1,175 |
| Memoranda: | ||
| Average total assets | $57,559,670 | 4,731 |
| Average earning assets | $55,186,670 | 4,697 |
| Average equity | $6,720,670 | 4,756 |
| Average total loans | $27,564,000 | 4,795 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0182% | 4,330 |
| Cost of funding earning assets | 0.4199% | 4,401 |
| Net interest margin | 3.5983% | 3,253 |
| Noninterest income to average assets | 0.1458% | 4,865 |
| Noninterest expense to average assets | 1.6521% | 5,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8326% | 530 |
| Return on assets (ROA) | 1.8326% | 544 |
| Pretax return on assets | 1.9437% | 714 |
| Return on Equity (ROE) | 16.1517% | 573 |
| Retained earnings to average equity (ytd only) | 16.1517% | 215 |
| Net charge-offs to loans | 0.0146% | 2,188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 280.0000% | 291 |
| Efficiency ratio | 45.9459% | 5,033 |
| Assets per employee ($millions) | 5.2914% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 2,551 |
| Loan loss allowance to noncurrent loans | 74.3649% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 0.9020% | 1,555 |
| Noncurrent loans to loans | 1.6194% | 975 |
| Net loans and leases to total assets | 45.3861% | 4,687 |
| Net loans and leases to deposits | 51.5001% | 4,762 |
| Net loans and leases to core deposits | 51.5001% | 4,851 |
| Total domestic deposits to total assets | 88.1282% | 1,267 |
| Equity capital to assets | 11.6519% | 2,268 |
| Core capital (leverage) ratio | 11.7116% | 1,972 |
| Tier 1 risk-based capital ratio | 18.9886% | 1,545 |
| Total risk-based capital ratio | 19.9086% | 1,580 |
| Memoranda: | ||
| Average total assets | $57,623,500 | 4,784 |
| Average earning assets | $55,248,000 | 4,746 |
| Average equity | $6,538,000 | 4,812 |
| Average total loans | $27,485,500 | 4,852 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9305% | 4,211 |
| Cost of funding earning assets | 0.3449% | 4,314 |
| Net interest margin | 3.5855% | 3,434 |
| Noninterest income to average assets | 0.2999% | 4,103 |
| Noninterest expense to average assets | 1.8707% | 4,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.7833% | 572 |
| Return on assets (ROA) | 1.7833% | 570 |
| Pretax return on assets | 1.8618% | 791 |
| Return on Equity (ROE) | 15.8728% | 658 |
| Retained earnings to average equity (ytd only) | 4.6554% | 2,957 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1196% | 4,937 |
| Assets per employee ($millions) | 5.1856% | 2,279 |
| Cash dividends to net income (ytd only)* | 70.6707% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 2,861 |
| Loan loss allowance to noncurrent loans | 62.9630% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.0641% | 1,276 |
| Noncurrent loans to loans | 1.8171% | 778 |
| Net loans and leases to total assets | 48.9271% | 4,582 |
| Net loans and leases to deposits | 55.1093% | 4,700 |
| Net loans and leases to core deposits | 57.0748% | 4,738 |
| Total domestic deposits to total assets | 88.7820% | 952 |
| Equity capital to assets | 11.0340% | 2,650 |
| Core capital (leverage) ratio | 11.4121% | 2,170 |
| Tier 1 risk-based capital ratio | 19.3025% | 1,449 |
| Total risk-based capital ratio | 20.2795% | 1,477 |
| Memoranda: | ||
| Average total assets | $56,021,200 | 4,832 |
| Average earning assets | $53,632,000 | 4,792 |
| Average equity | $6,293,800 | 4,851 |
| Average total loans | $26,211,800 | 4,900 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8574% | 4,307 |
| Cost of funding earning assets | 0.3279% | 4,322 |
| Net interest margin | 3.5294% | 3,600 |
| Noninterest income to average assets | 0.3108% | 4,065 |
| Noninterest expense to average assets | 1.7334% | 5,106 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8673% | 525 |
| Return on assets (ROA) | 1.8673% | 526 |
| Pretax return on assets | 1.9486% | 728 |
| Return on Equity (ROE) | 16.5451% | 608 |
| Retained earnings to average equity (ytd only) | 7.8383% | 1,729 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0779% | 5,096 |
| Assets per employee ($millions) | 5.5243% | 1,891 |
| Cash dividends to net income (ytd only)* | 52.6251% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,644 |
| Loan loss allowance to noncurrent loans | 85.9043% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 0.8544% | 1,732 |
| Noncurrent loans to loans | 1.3921% | 1,195 |
| Net loans and leases to total assets | 48.3066% | 4,698 |
| Net loans and leases to deposits | 57.3794% | 4,677 |
| Net loans and leases to core deposits | 59.6149% | 4,720 |
| Total domestic deposits to total assets | 84.1880% | 2,880 |
| Equity capital to assets | 11.2286% | 2,449 |
| Core capital (leverage) ratio | 11.7826% | 1,928 |
| Tier 1 risk-based capital ratio | 21.1951% | 1,158 |
| Total risk-based capital ratio | 22.2550% | 1,162 |
| Memoranda: | ||
| Average total assets | $55,766,000 | 4,892 |
| Average earning assets | $53,265,000 | 4,852 |
| Average equity | $6,293,750 | 4,904 |
| Average total loans | $25,706,750 | 4,976 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7683% | 4,424 |
| Cost of funding earning assets | 0.3000% | 4,416 |
| Net interest margin | 3.4683% | 3,739 |
| Noninterest income to average assets | 0.3861% | 3,578 |
| Noninterest expense to average assets | 1.7340% | 5,159 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8842% | 486 |
| Return on assets (ROA) | 1.8842% | 480 |
| Pretax return on assets | 1.9592% | 665 |
| Return on Equity (ROE) | 16.6667% | 566 |
| Retained earnings to average equity (ytd only) | 11.4168% | 599 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9506% | 5,168 |
| Assets per employee ($millions) | 5.0415% | 2,363 |
| Cash dividends to net income (ytd only)* | 31.4991% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 2,318 |
| Loan loss allowance to noncurrent loans | 101.2539% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.7538% | 1,972 |
| Noncurrent loans to loans | 1.2552% | 1,367 |
| Net loans and leases to total assets | 45.2467% | 4,860 |
| Net loans and leases to deposits | 51.1820% | 4,941 |
| Net loans and leases to core deposits | 53.0699% | 4,956 |
| Total domestic deposits to total assets | 88.4034% | 1,181 |
| Equity capital to assets | 11.4307% | 2,244 |
| Core capital (leverage) ratio | 11.0665% | 2,468 |
| Tier 1 risk-based capital ratio | 21.1267% | 1,152 |
| Total risk-based capital ratio | 22.2222% | 1,154 |
| Memoranda: | ||
| Average total assets | $55,940,330 | 4,942 |
| Average earning assets | $53,340,000 | 4,910 |
| Average equity | $6,324,000 | 4,952 |
| Average total loans | $25,272,670 | 5,045 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7067% | 4,456 |
| Cost of funding earning assets | 0.2748% | 4,547 |
| Net interest margin | 3.4318% | 3,770 |
| Noninterest income to average assets | 0.5767% | 2,385 |
| Noninterest expense to average assets | 1.7230% | 5,225 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0789% | 311 |
| Return on assets (ROA) | 2.0789% | 313 |
| Pretax return on assets | 2.1430% | 423 |
| Return on Equity (ROE) | 18.4913% | 363 |
| Retained earnings to average equity (ytd only) | 18.4913% | 137 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5672% | 5,333 |
| Assets per employee ($millions) | 5.0536% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 2,114 |
| Loan loss allowance to noncurrent loans | 188.8889% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.4875% | 2,904 |
| Noncurrent loans to loans | 0.7023% | 2,455 |
| Net loans and leases to total assets | 43.2164% | 4,933 |
| Net loans and leases to deposits | 48.8610% | 5,013 |
| Net loans and leases to core deposits | 50.6579% | 5,024 |
| Total domestic deposits to total assets | 88.4476% | 1,381 |
| Equity capital to assets | 11.3905% | 2,225 |
| Core capital (leverage) ratio | 11.3315% | 2,138 |
| Tier 1 risk-based capital ratio | 22.0792% | 1,040 |
| Total risk-based capital ratio | 23.1970% | 1,034 |
| Memoranda: | ||
| Average total assets | $56,182,500 | 4,999 |
| Average earning assets | $53,849,000 | 4,956 |
| Average equity | $6,316,500 | 5,010 |
| Average total loans | $25,201,500 | 5,097 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7021% | 4,328 |
| Cost of funding earning assets | 0.2461% | 4,602 |
| Net interest margin | 3.4560% | 3,666 |
| Noninterest income to average assets | 0.1767% | 5,072 |
| Noninterest expense to average assets | 1.8621% | 5,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4985% | 805 |
| Return on assets (ROA) | 1.5035% | 811 |
| Pretax return on assets | 1.5953% | 1,305 |
| Return on Equity (ROE) | 13.3052% | 880 |
| Retained earnings to average equity (ytd only) | 3.3927% | 3,254 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9406% | 4,956 |
| Assets per employee ($millions) | 5.1614% | 2,304 |
| Cash dividends to net income (ytd only)* | 74.5006% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 2,536 |
| Loan loss allowance to noncurrent loans | 181.4607% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 2,904 |
| Noncurrent loans to loans | 0.6831% | 2,504 |
| Net loans and leases to total assets | 45.3245% | 4,923 |
| Net loans and leases to deposits | 52.3923% | 4,966 |
| Net loans and leases to core deposits | 54.6082% | 4,981 |
| Total domestic deposits to total assets | 86.5099% | 2,228 |
| Equity capital to assets | 11.0982% | 2,539 |
| Core capital (leverage) ratio | 10.6575% | 2,691 |
| Tier 1 risk-based capital ratio | 20.3021% | 1,264 |
| Total risk-based capital ratio | 21.3793% | 1,249 |
| Memoranda: | ||
| Average total assets | $56,602,400 | 5,033 |
| Average earning assets | $53,645,200 | 5,005 |
| Average equity | $6,396,000 | 5,042 |
| Average total loans | $24,398,600 | 5,180 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5974% | 4,566 |
| Cost of funding earning assets | 0.2252% | 4,775 |
| Net interest margin | 3.3722% | 3,941 |
| Noninterest income to average assets | 0.1603% | 5,216 |
| Noninterest expense to average assets | 1.6101% | 5,446 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6340% | 657 |
| Return on assets (ROA) | 1.6407% | 669 |
| Pretax return on assets | 1.7350% | 1,035 |
| Return on Equity (ROE) | 14.4551% | 741 |
| Retained earnings to average equity (ytd only) | 7.7260% | 1,333 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2345% | 5,330 |
| Assets per employee ($millions) | 5.2030% | 2,225 |
| Cash dividends to net income (ytd only)* | 46.5516% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 2,421 |
| Loan loss allowance to noncurrent loans | 139.2241% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.5888% | 2,749 |
| Noncurrent loans to loans | 0.9246% | 2,075 |
| Net loans and leases to total assets | 43.2775% | 5,063 |
| Net loans and leases to deposits | 52.2773% | 5,043 |
| Net loans and leases to core deposits | 54.9141% | 5,046 |
| Total domestic deposits to total assets | 82.7844% | 3,528 |
| Equity capital to assets | 11.6419% | 2,236 |
| Core capital (leverage) ratio | 10.9794% | 2,482 |
| Tier 1 risk-based capital ratio | 20.9390% | 1,205 |
| Total risk-based capital ratio | 22.0221% | 1,206 |
| Memoranda: | ||
| Average total assets | $56,559,250 | 5,090 |
| Average earning assets | $53,296,750 | 5,065 |
| Average equity | $6,419,750 | 5,093 |
| Average total loans | $23,984,250 | 5,243 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5478% | 4,639 |
| Cost of funding earning assets | 0.2015% | 4,965 |
| Net interest margin | 3.3463% | 3,964 |
| Noninterest income to average assets | 0.1633% | 5,238 |
| Noninterest expense to average assets | 1.6650% | 5,441 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5266% | 822 |
| Return on assets (ROA) | 1.5266% | 844 |
| Pretax return on assets | 1.6224% | 1,269 |
| Return on Equity (ROE) | 13.5675% | 905 |
| Retained earnings to average equity (ytd only) | 9.0240% | 832 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6479% | 5,265 |
| Assets per employee ($millions) | 5.1804% | 2,177 |
| Cash dividends to net income (ytd only)* | 33.4884% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 2,093 |
| Loan loss allowance to noncurrent loans | 316.6667% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 3,650 |
| Noncurrent loans to loans | 0.4314% | 3,468 |
| Net loans and leases to total assets | 40.9238% | 5,193 |
| Net loans and leases to deposits | 46.3710% | 5,273 |
| Net loans and leases to core deposits | 46.6316% | 5,327 |
| Total domestic deposits to total assets | 88.2528% | 1,330 |
| Equity capital to assets | 11.5840% | 2,245 |
| Core capital (leverage) ratio | 10.8320% | 2,571 |
| Tier 1 risk-based capital ratio | 21.1936% | 1,156 |
| Total risk-based capital ratio | 22.3052% | 1,148 |
| Memoranda: | ||
| Average total assets | $56,334,670 | 5,127 |
| Average earning assets | $52,595,670 | 5,110 |
| Average equity | $6,338,670 | 5,135 |
| Average total loans | $23,615,000 | 5,298 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5799% | 4,474 |
| Cost of funding earning assets | 0.2097% | 4,891 |
| Net interest margin | 3.3702% | 3,763 |
| Noninterest income to average assets | 0.1500% | 5,366 |
| Noninterest expense to average assets | 1.5569% | 5,595 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6140% | 659 |
| Return on assets (ROA) | 1.6140% | 675 |
| Pretax return on assets | 1.6926% | 1,026 |
| Return on Equity (ROE) | 14.5630% | 710 |
| Retained earnings to average equity (ytd only) | 9.7946% | 861 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9121% | 5,472 |
| Assets per employee ($millions) | 5.0633% | 2,356 |
| Cash dividends to net income (ytd only)* | 32.7434% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 1,875 |
| Loan loss allowance to noncurrent loans | 307.6190% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 3,670 |
| Noncurrent loans to loans | 0.4703% | 3,406 |
| Net loans and leases to total assets | 39.5055% | 5,266 |
| Net loans and leases to deposits | 44.7197% | 5,345 |
| Net loans and leases to core deposits | 44.9757% | 5,387 |
| Total domestic deposits to total assets | 88.3403% | 1,516 |
| Equity capital to assets | 11.3563% | 2,301 |
| Core capital (leverage) ratio | 10.5121% | 2,893 |
| Tier 1 risk-based capital ratio | 21.2327% | 1,188 |
| Total risk-based capital ratio | 22.3710% | 1,184 |
| Memoranda: | ||
| Average total assets | $56,010,000 | 5,195 |
| Average earning assets | $51,510,500 | 5,183 |
| Average equity | $6,207,500 | 5,205 |
| Average total loans | $23,601,000 | 5,349 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7224% | 4,147 |
| Cost of funding earning assets | 0.1789% | 5,228 |
| Net interest margin | 3.5435% | 3,276 |
| Noninterest income to average assets | 0.1560% | 5,428 |
| Noninterest expense to average assets | 1.6753% | 5,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.6992% | 546 |
| Return on assets (ROA) | 1.6992% | 572 |
| Pretax return on assets | 1.7873% | 825 |
| Return on Equity (ROE) | 14.4991% | 699 |
| Retained earnings to average equity (ytd only) | 3.7892% | 3,220 |
| Net charge-offs to loans | -0.0167% | 5,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3837% | 5,559 |
| Assets per employee ($millions) | 5.1204% | 2,267 |
| Cash dividends to net income (ytd only)* | 73.8661% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 2,554 |
| Loan loss allowance to noncurrent loans | 343.6170% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 3,817 |
| Noncurrent loans to loans | 0.3779% | 3,773 |
| Net loans and leases to total assets | 43.5924% | 5,139 |
| Net loans and leases to deposits | 48.9503% | 5,252 |
| Net loans and leases to core deposits | 49.2232% | 5,325 |
| Total domestic deposits to total assets | 89.0544% | 1,087 |
| Equity capital to assets | 10.8124% | 2,800 |
| Core capital (leverage) ratio | 10.3810% | 3,015 |
| Tier 1 risk-based capital ratio | 19.8593% | 1,405 |
| Total risk-based capital ratio | 20.9519% | 1,401 |
| Memoranda: | ||
| Average total assets | $54,496,600 | 5,255 |
| Average earning assets | $50,854,200 | 5,231 |
| Average equity | $6,386,600 | 5,212 |
| Average total loans | $23,984,800 | 5,394 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6905% | 4,283 |
| Cost of funding earning assets | 0.1760% | 5,298 |
| Net interest margin | 3.5146% | 3,419 |
| Noninterest income to average assets | 0.1406% | 5,556 |
| Noninterest expense to average assets | 1.5889% | 5,697 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7666% | 523 |
| Return on assets (ROA) | 1.7666% | 550 |
| Pretax return on assets | 1.8529% | 796 |
| Return on Equity (ROE) | 14.7760% | 698 |
| Retained earnings to average equity (ytd only) | 7.3674% | 1,454 |
| Net charge-offs to loans | -0.0224% | 5,046 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1649% | 5,663 |
| Assets per employee ($millions) | 4.7936% | 2,617 |
| Cash dividends to net income (ytd only)* | 50.1393% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 2,743 |
| Loan loss allowance to noncurrent loans | 950.0000% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.2807% | 4,306 |
| Noncurrent loans to loans | 0.1358% | 4,800 |
| Net loans and leases to total assets | 46.8822% | 5,029 |
| Net loans and leases to deposits | 53.9878% | 5,113 |
| Net loans and leases to core deposits | 54.3163% | 5,215 |
| Total domestic deposits to total assets | 86.8386% | 1,973 |
| Equity capital to assets | 12.8542% | 1,570 |
| Core capital (leverage) ratio | 10.9879% | 2,457 |
| Tier 1 risk-based capital ratio | 20.7444% | 1,312 |
| Total risk-based capital ratio | 21.8637% | 1,305 |
| Memoranda: | ||
| Average total assets | $54,039,750 | 5,313 |
| Average earning assets | $50,759,250 | 5,285 |
| Average equity | $6,460,750 | 5,249 |
| Average total loans | $23,762,000 | 5,454 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6829% | 4,348 |
| Cost of funding earning assets | 0.1701% | 5,409 |
| Net interest margin | 3.5128% | 3,442 |
| Noninterest income to average assets | 0.1358% | 5,628 |
| Noninterest expense to average assets | 1.5713% | 5,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7365% | 539 |
| Return on assets (ROA) | 1.7365% | 570 |
| Pretax return on assets | 1.8246% | 837 |
| Return on Equity (ROE) | 14.8859% | 689 |
| Retained earnings to average equity (ytd only) | 9.5987% | 687 |
| Net charge-offs to loans | -0.0343% | 5,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2703% | 5,743 |
| Assets per employee ($millions) | 4.9751% | 2,326 |
| Cash dividends to net income (ytd only)* | 35.5180% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 2,128 |
| Loan loss allowance to noncurrent loans | 32.0119% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 2.0630% | 778 |
| Noncurrent loans to loans | 4.4848% | 233 |
| Net loans and leases to total assets | 40.5200% | 5,394 |
| Net loans and leases to deposits | 46.1134% | 5,495 |
| Net loans and leases to core deposits | 46.3796% | 5,552 |
| Total domestic deposits to total assets | 87.8705% | 1,495 |
| Equity capital to assets | 11.9541% | 2,160 |
| Core capital (leverage) ratio | 10.6269% | 2,820 |
| Tier 1 risk-based capital ratio | 21.4979% | 1,201 |
| Total risk-based capital ratio | 22.6677% | 1,187 |
| Memoranda: | ||
| Average total assets | $54,476,330 | 5,358 |
| Average earning assets | $50,557,670 | 5,342 |
| Average equity | $6,355,000 | 5,320 |
| Average total loans | $23,334,670 | 5,524 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7074% | 4,293 |
| Cost of funding earning assets | 0.1646% | 5,512 |
| Net interest margin | 3.5428% | 3,310 |
| Noninterest income to average assets | 0.1251% | 5,713 |
| Noninterest expense to average assets | 1.5234% | 5,897 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8399% | 442 |
| Return on assets (ROA) | 1.8399% | 474 |
| Pretax return on assets | 1.9282% | 658 |
| Return on Equity (ROE) | 15.9706% | 539 |
| Retained earnings to average equity (ytd only) | 10.7961% | 692 |
| Net charge-offs to loans | -0.0505% | 5,335 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1365% | 5,871 |
| Assets per employee ($millions) | 5.4250% | 1,902 |
| Cash dividends to net income (ytd only)* | 32.4000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 2,307 |
| Loan loss allowance to noncurrent loans | 57.8097% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 1.2516% | 1,738 |
| Noncurrent loans to loans | 2.4682% | 771 |
| Net loans and leases to total assets | 41.0046% | 5,399 |
| Net loans and leases to deposits | 46.6793% | 5,478 |
| Net loans and leases to core deposits | 46.9502% | 5,551 |
| Total domestic deposits to total assets | 87.8433% | 1,728 |
| Equity capital to assets | 11.8194% | 2,139 |
| Core capital (leverage) ratio | 10.6073% | 2,840 |
| Tier 1 risk-based capital ratio | 21.4770% | 1,236 |
| Total risk-based capital ratio | 22.6695% | 1,223 |
| Memoranda: | ||
| Average total assets | $54,351,500 | 5,414 |
| Average earning assets | $51,032,500 | 5,384 |
| Average equity | $6,261,500 | 5,371 |
| Average total loans | $23,753,000 | 5,559 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5598% | 4,779 |
| Cost of funding earning assets | 0.1537% | 5,662 |
| Net interest margin | 3.4061% | 3,887 |
| Noninterest income to average assets | 0.1637% | 5,601 |
| Noninterest expense to average assets | 1.7167% | 5,827 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5806% | 742 |
| Return on assets (ROA) | 1.6089% | 715 |
| Pretax return on assets | 1.6907% | 1,021 |
| Return on Equity (ROE) | 14.1534% | 818 |
| Retained earnings to average equity (ytd only) | 4.1724% | 3,016 |
| Net charge-offs to loans | 0.0402% | 3,418 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 99.2222% | 578 |
| Efficiency ratio | 50.8260% | 5,716 |
| Assets per employee ($millions) | 4.9503% | 2,421 |
| Cash dividends to net income (ytd only)* | 70.5202% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 3,017 |
| Loan loss allowance to noncurrent loans | 1,772.2222% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.2608% | 4,548 |
| Noncurrent loans to loans | 0.0722% | 5,217 |
| Net loans and leases to total assets | 45.2133% | 5,217 |
| Net loans and leases to deposits | 51.0122% | 5,337 |
| Net loans and leases to core deposits | 51.3034% | 5,440 |
| Total domestic deposits to total assets | 88.6324% | 1,317 |
| Equity capital to assets | 11.2225% | 2,618 |
| Core capital (leverage) ratio | 10.2349% | 3,212 |
| Tier 1 risk-based capital ratio | 19.9979% | 1,485 |
| Total risk-based capital ratio | 21.1310% | 1,476 |
| Memoranda: | ||
| Average total assets | $53,764,800 | 5,461 |
| Average earning assets | $50,733,000 | 5,418 |
| Average equity | $6,111,600 | 5,414 |
| Average total loans | $22,362,400 | 5,640 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4955% | 4,993 |
| Cost of funding earning assets | 0.1563% | 5,737 |
| Net interest margin | 3.3392% | 4,182 |
| Noninterest income to average assets | 0.1468% | 5,747 |
| Noninterest expense to average assets | 1.5872% | 5,984 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6116% | 753 |
| Return on assets (ROA) | 1.6494% | 715 |
| Pretax return on assets | 1.7340% | 1,022 |
| Return on Equity (ROE) | 14.4636% | 819 |
| Retained earnings to average equity (ytd only) | 7.2645% | 1,563 |
| Net charge-offs to loans | 0.0123% | 3,742 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 340.0674% | 217 |
| Efficiency ratio | 48.3700% | 5,855 |
| Assets per employee ($millions) | 4.8091% | 2,551 |
| Cash dividends to net income (ytd only)* | 49.7738% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 2,614 |
| Loan loss allowance to noncurrent loans | 1,124.1379% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 4,594 |
| Noncurrent loans to loans | 0.1243% | 5,132 |
| Net loans and leases to total assets | 43.4745% | 5,388 |
| Net loans and leases to deposits | 51.0772% | 5,416 |
| Net loans and leases to core deposits | 51.6844% | 5,518 |
| Total domestic deposits to total assets | 85.1153% | 2,963 |
| Equity capital to assets | 11.7675% | 2,292 |
| Core capital (leverage) ratio | 10.6946% | 2,833 |
| Tier 1 risk-based capital ratio | 21.8451% | 1,218 |
| Total risk-based capital ratio | 23.0925% | 1,199 |
| Memoranda: | ||
| Average total assets | $53,592,750 | 5,539 |
| Average earning assets | $50,311,000 | 5,497 |
| Average equity | $6,111,750 | 5,478 |
| Average total loans | $21,718,250 | 5,725 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4335% | 5,152 |
| Cost of funding earning assets | 0.1559% | 5,809 |
| Net interest margin | 3.2776% | 4,387 |
| Noninterest income to average assets | 0.1449% | 5,839 |
| Noninterest expense to average assets | 1.5718% | 6,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5413% | 841 |
| Return on assets (ROA) | 1.5978% | 772 |
| Pretax return on assets | 1.6796% | 1,124 |
| Return on Equity (ROE) | 14.1587% | 871 |
| Retained earnings to average equity (ytd only) | 9.2196% | 852 |
| Net charge-offs to loans | 0.0189% | 3,318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 218.0000% | 322 |
| Efficiency ratio | 49.2433% | 5,890 |
| Assets per employee ($millions) | 4.8989% | 2,401 |
| Cash dividends to net income (ytd only)* | 34.8837% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5623% | 2,042 |
| Loan loss allowance to noncurrent loans | 1,018.7500% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.2969% | 4,689 |
| Noncurrent loans to loans | 0.1534% | 5,135 |
| Net loans and leases to total assets | 38.1179% | 5,734 |
| Net loans and leases to deposits | 43.0322% | 5,799 |
| Net loans and leases to core deposits | 43.5135% | 5,847 |
| Total domestic deposits to total assets | 88.5800% | 1,369 |
| Equity capital to assets | 11.2752% | 2,594 |
| Core capital (leverage) ratio | 10.2936% | 3,221 |
| Tier 1 risk-based capital ratio | 22.8368% | 1,102 |
| Total risk-based capital ratio | 24.0885% | 1,079 |
| Memoranda: | ||
| Average total assets | $53,823,670 | 5,592 |
| Average earning assets | $50,036,330 | 5,564 |
| Average equity | $6,074,000 | 5,535 |
| Average total loans | $21,183,000 | 5,803 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4354% | 5,130 |
| Cost of funding earning assets | 0.1587% | 5,858 |
| Net interest margin | 3.2767% | 4,317 |
| Noninterest income to average assets | 0.1487% | 5,848 |
| Noninterest expense to average assets | 1.5095% | 6,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6270% | 684 |
| Return on assets (ROA) | 1.7401% | 572 |
| Pretax return on assets | 1.8293% | 825 |
| Return on Equity (ROE) | 15.4125% | 647 |
| Retained earnings to average equity (ytd only) | 10.6043% | 796 |
| Net charge-offs to loans | 0.0375% | 2,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 440 |
| Efficiency ratio | 46.8822% | 6,072 |
| Assets per employee ($millions) | 5.3626% | 1,934 |
| Cash dividends to net income (ytd only)* | 31.1966% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6645% | 1,838 |
| Loan loss allowance to noncurrent loans | 64.0472% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 1.1804% | 2,273 |
| Noncurrent loans to loans | 2.5989% | 920 |
| Net loans and leases to total assets | 35.9135% | 5,831 |
| Net loans and leases to deposits | 40.7184% | 5,887 |
| Net loans and leases to core deposits | 41.1763% | 5,930 |
| Total domestic deposits to total assets | 88.1998% | 1,708 |
| Equity capital to assets | 11.4758% | 2,479 |
| Core capital (leverage) ratio | 10.2833% | 3,236 |
| Tier 1 risk-based capital ratio | 22.1071% | 1,221 |
| Total risk-based capital ratio | 23.3575% | 1,208 |
| Memoranda: | ||
| Average total assets | $53,791,500 | 5,642 |
| Average earning assets | $50,416,000 | 5,608 |
| Average equity | $6,073,000 | 5,581 |
| Average total loans | $21,341,000 | 5,842 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5608% | 5,188 |
| Cost of funding earning assets | 0.1902% | 5,833 |
| Net interest margin | 3.3706% | 4,324 |
| Noninterest income to average assets | 0.1906% | 5,715 |
| Noninterest expense to average assets | 1.6894% | 6,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5343% | 822 |
| Return on assets (ROA) | 1.5343% | 853 |
| Pretax return on assets | 1.6146% | 1,195 |
| Return on Equity (ROE) | 14.4339% | 860 |
| Retained earnings to average equity (ytd only) | 4.3073% | 3,124 |
| Net charge-offs to loans | -0.0484% | 5,927 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1312% | 6,036 |
| Assets per employee ($millions) | 4.9052% | 2,450 |
| Cash dividends to net income (ytd only)* | 70.1583% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 2,853 |
| Loan loss allowance to noncurrent loans | 69.6391% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 1.1064% | 2,540 |
| Noncurrent loans to loans | 2.0392% | 1,352 |
| Net loans and leases to total assets | 42.1984% | 5,601 |
| Net loans and leases to deposits | 48.7006% | 5,646 |
| Net loans and leases to core deposits | 49.2526% | 5,747 |
| Total domestic deposits to total assets | 86.6486% | 2,485 |
| Equity capital to assets | 11.1051% | 2,802 |
| Core capital (leverage) ratio | 10.2254% | 3,279 |
| Tier 1 risk-based capital ratio | 18.9755% | 1,854 |
| Total risk-based capital ratio | 20.1334% | 1,844 |
| Memoranda: | ||
| Average total assets | $53,510,800 | 5,709 |
| Average earning assets | $49,427,600 | 5,692 |
| Average equity | $5,688,000 | 5,695 |
| Average total loans | $20,664,800 | 5,936 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4915% | 5,415 |
| Cost of funding earning assets | 0.1996% | 5,835 |
| Net interest margin | 3.2919% | 4,639 |
| Noninterest income to average assets | 0.1948% | 5,755 |
| Noninterest expense to average assets | 1.5156% | 6,344 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6030% | 750 |
| Return on assets (ROA) | 1.6030% | 781 |
| Pretax return on assets | 1.6854% | 1,099 |
| Return on Equity (ROE) | 15.2527% | 780 |
| Retained earnings to average equity (ytd only) | 10.4774% | 605 |
| Net charge-offs to loans | -0.0598% | 5,974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3479% | 6,231 |
| Assets per employee ($millions) | 4.6759% | 2,703 |
| Cash dividends to net income (ytd only)* | 31.3080% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6108% | 2,267 |
| Loan loss allowance to noncurrent loans | 37.5000% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 1.9423% | 1,499 |
| Noncurrent loans to loans | 4.2954% | 465 |
| Net loans and leases to total assets | 38.8335% | 5,897 |
| Net loans and leases to deposits | 45.4120% | 5,906 |
| Net loans and leases to core deposits | 45.9574% | 5,960 |
| Total domestic deposits to total assets | 85.5138% | 3,109 |
| Equity capital to assets | 11.7002% | 2,307 |
| Core capital (leverage) ratio | 10.5963% | 2,926 |
| Tier 1 risk-based capital ratio | 21.7890% | 1,293 |
| Total risk-based capital ratio | 23.0405% | 1,275 |
| Memoranda: | ||
| Average total assets | $53,399,250 | 5,775 |
| Average earning assets | $48,765,000 | 5,772 |
| Average equity | $5,612,000 | 5,770 |
| Average total loans | $20,056,750 | 6,025 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4543% | 5,504 |
| Cost of funding earning assets | 0.2022% | 5,889 |
| Net interest margin | 3.2521% | 4,771 |
| Noninterest income to average assets | 0.1998% | 5,763 |
| Noninterest expense to average assets | 1.4948% | 6,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5429% | 807 |
| Return on assets (ROA) | 1.5429% | 843 |
| Pretax return on assets | 1.6206% | 1,201 |
| Return on Equity (ROE) | 15.2282% | 756 |
| Retained earnings to average equity (ytd only) | 10.4443% | 625 |
| Net charge-offs to loans | -0.0801% | 6,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9810% | 6,287 |
| Assets per employee ($millions) | 5.0538% | 2,141 |
| Cash dividends to net income (ytd only)* | 31.4149% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7067% | 2,111 |
| Loan loss allowance to noncurrent loans | 53.7954% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 1.3221% | 2,470 |
| Noncurrent loans to loans | 3.1726% | 895 |
| Net loans and leases to total assets | 33.7728% | 6,161 |
| Net loans and leases to deposits | 37.7630% | 6,235 |
| Net loans and leases to core deposits | 38.1621% | 6,270 |
| Total domestic deposits to total assets | 89.4337% | 1,135 |
| Equity capital to assets | 10.4170% | 3,543 |
| Core capital (leverage) ratio | 9.6642% | 4,093 |
| Tier 1 risk-based capital ratio | 21.1943% | 1,410 |
| Total risk-based capital ratio | 22.4466% | 1,383 |
| Memoranda: | ||
| Average total assets | $54,054,000 | 5,808 |
| Average earning assets | $48,461,330 | 5,828 |
| Average equity | $5,476,670 | 5,841 |
| Average total loans | $19,975,330 | 6,079 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5015% | 5,421 |
| Cost of funding earning assets | 0.2001% | 5,998 |
| Net interest margin | 3.3014% | 4,533 |
| Noninterest income to average assets | 0.1351% | 6,172 |
| Noninterest expense to average assets | 1.5164% | 6,488 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5089% | 799 |
| Return on assets (ROA) | 1.5089% | 834 |
| Pretax return on assets | 1.5914% | 1,191 |
| Return on Equity (ROE) | 15.1142% | 760 |
| Retained earnings to average equity (ytd only) | 10.2265% | 909 |
| Net charge-offs to loans | -0.1764% | 6,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7923% | 6,322 |
| Assets per employee ($millions) | 5.0381% | 2,208 |
| Cash dividends to net income (ytd only)* | 32.3383% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7903% | 2,068 |
| Loan loss allowance to noncurrent loans | 441.8919% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 5,056 |
| Noncurrent loans to loans | 0.4051% | 4,920 |
| Net loans and leases to total assets | 32.3680% | 6,250 |
| Net loans and leases to deposits | 36.1697% | 6,311 |
| Net loans and leases to core deposits | 36.5522% | 6,351 |
| Total domestic deposits to total assets | 89.4892% | 1,370 |
| Equity capital to assets | 10.2293% | 3,563 |
| Core capital (leverage) ratio | 9.9259% | 3,668 |
| Tier 1 risk-based capital ratio | 21.1596% | 1,444 |
| Total risk-based capital ratio | 22.4093% | 1,420 |
| Memoranda: | ||
| Average total assets | $53,285,000 | 5,877 |
| Average earning assets | $47,980,000 | 5,887 |
| Average equity | $5,319,500 | 5,921 |
| Average total loans | $20,412,500 | 6,120 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5626% | 5,501 |
| Cost of funding earning assets | 0.2683% | 5,845 |
| Net interest margin | 3.2944% | 4,688 |
| Noninterest income to average assets | 0.1765% | 6,029 |
| Noninterest expense to average assets | 1.7098% | 6,431 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4961% | 831 |
| Return on assets (ROA) | 1.4961% | 873 |
| Pretax return on assets | 1.5726% | 1,239 |
| Return on Equity (ROE) | 14.0827% | 933 |
| Retained earnings to average equity (ytd only) | 4.4666% | 2,996 |
| Net charge-offs to loans | 0.0152% | 5,141 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 267.3333% | 166 |
| Efficiency ratio | 52.0908% | 6,287 |
| Assets per employee ($millions) | 5.1151% | 2,051 |
| Cash dividends to net income (ytd only)* | 68.2831% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 3,602 |
| Loan loss allowance to noncurrent loans | 271.7949% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.4164% | 5,002 |
| Noncurrent loans to loans | 0.5186% | 4,693 |
| Net loans and leases to total assets | 43.4830% | 5,720 |
| Net loans and leases to deposits | 48.5135% | 5,862 |
| Net loans and leases to core deposits | 49.0668% | 5,980 |
| Total domestic deposits to total assets | 89.6307% | 1,256 |
| Equity capital to assets | 9.7163% | 4,150 |
| Core capital (leverage) ratio | 10.1420% | 3,375 |
| Tier 1 risk-based capital ratio | 18.4431% | 2,099 |
| Total risk-based capital ratio | 19.5870% | 2,093 |
| Memoranda: | ||
| Average total assets | $50,999,200 | 5,995 |
| Average earning assets | $48,082,200 | 5,936 |
| Average equity | $5,418,000 | 5,956 |
| Average total loans | $19,695,000 | 6,218 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5222% | 5,635 |
| Cost of funding earning assets | 0.2821% | 5,871 |
| Net interest margin | 3.2401% | 4,859 |
| Noninterest income to average assets | 0.1727% | 6,155 |
| Noninterest expense to average assets | 1.5645% | 6,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5645% | 804 |
| Return on assets (ROA) | 1.5645% | 853 |
| Pretax return on assets | 1.6430% | 1,232 |
| Return on Equity (ROE) | 14.4179% | 905 |
| Retained earnings to average equity (ytd only) | 7.2814% | 1,748 |
| Net charge-offs to loans | -0.0141% | 5,963 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7765% | 6,466 |
| Assets per employee ($millions) | 4.1860% | 3,455 |
| Cash dividends to net income (ytd only)* | 49.4989% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 3,139 |
| Loan loss allowance to noncurrent loans | 751.1628% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.2787% | 5,606 |
| Noncurrent loans to loans | 0.2092% | 5,717 |
| Net loans and leases to total assets | 40.2771% | 6,011 |
| Net loans and leases to deposits | 48.5961% | 5,926 |
| Net loans and leases to core deposits | 49.2047% | 6,058 |
| Total domestic deposits to total assets | 82.8814% | 4,627 |
| Equity capital to assets | 9.7468% | 4,246 |
| Core capital (leverage) ratio | 10.4490% | 3,062 |
| Tier 1 risk-based capital ratio | 19.4270% | 1,879 |
| Total risk-based capital ratio | 20.6367% | 1,856 |
| Memoranda: | ||
| Average total assets | $50,961,250 | 6,061 |
| Average earning assets | $47,733,500 | 6,014 |
| Average equity | $5,530,000 | 5,990 |
| Average total loans | $18,978,750 | 6,318 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4669% | 5,752 |
| Cost of funding earning assets | 0.2952% | 5,865 |
| Net interest margin | 3.1716% | 5,040 |
| Noninterest income to average assets | 0.1562% | 6,270 |
| Noninterest expense to average assets | 1.5428% | 6,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4764% | 938 |
| Return on assets (ROA) | 1.4764% | 1,011 |
| Pretax return on assets | 1.5507% | 1,480 |
| Return on Equity (ROE) | 13.1677% | 1,206 |
| Retained earnings to average equity (ytd only) | 9.1965% | 1,060 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8737% | 6,440 |
| Assets per employee ($millions) | 4.1819% | 3,402 |
| Cash dividends to net income (ytd only)* | 30.1587% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7843% | 2,486 |
| Loan loss allowance to noncurrent loans | 348.9130% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3806% | 5,343 |
| Noncurrent loans to loans | 0.5114% | 4,988 |
| Net loans and leases to total assets | 35.2091% | 6,351 |
| Net loans and leases to deposits | 39.7190% | 6,418 |
| Net loans and leases to core deposits | 40.1824% | 6,464 |
| Total domestic deposits to total assets | 88.6456% | 1,811 |
| Equity capital to assets | 11.1651% | 2,592 |
| Core capital (leverage) ratio | 10.1010% | 3,368 |
| Tier 1 risk-based capital ratio | 21.8544% | 1,311 |
| Total risk-based capital ratio | 23.1063% | 1,285 |
| Memoranda: | ||
| Average total assets | $51,204,330 | 6,096 |
| Average earning assets | $47,420,330 | 6,059 |
| Average equity | $5,741,330 | 5,988 |
| Average total loans | $18,453,330 | 6,378 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3886% | 5,965 |
| Cost of funding earning assets | 0.3203% | 5,807 |
| Net interest margin | 3.0683% | 5,375 |
| Noninterest income to average assets | 0.1238% | 6,482 |
| Noninterest expense to average assets | 1.5237% | 6,724 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3458% | 1,161 |
| Return on assets (ROA) | 1.3458% | 1,256 |
| Pretax return on assets | 1.4155% | 1,810 |
| Return on Equity (ROE) | 11.9783% | 1,433 |
| Retained earnings to average equity (ytd only) | 8.1232% | 1,702 |
| Net charge-offs to loans | -0.0428% | 6,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8421% | 6,390 |
| Assets per employee ($millions) | 4.7578% | 2,556 |
| Cash dividends to net income (ytd only)* | 32.1839% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8361% | 2,497 |
| Loan loss allowance to noncurrent loans | 425.0000% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 5,582 |
| Noncurrent loans to loans | 0.4320% | 5,341 |
| Net loans and leases to total assets | 32.9964% | 6,467 |
| Net loans and leases to deposits | 37.2377% | 6,533 |
| Net loans and leases to core deposits | 37.6534% | 6,573 |
| Total domestic deposits to total assets | 88.6101% | 1,926 |
| Equity capital to assets | 11.0880% | 2,862 |
| Core capital (leverage) ratio | 9.6103% | 3,901 |
| Tier 1 risk-based capital ratio | 21.1854% | 1,493 |
| Total risk-based capital ratio | 22.4386% | 1,468 |
| Memoranda: | ||
| Average total assets | $51,715,000 | 6,135 |
| Average earning assets | $47,453,000 | 6,112 |
| Average equity | $5,810,500 | 6,032 |
| Average total loans | $18,685,000 | 6,420 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6904% | 6,069 |
| Cost of funding earning assets | 0.4204% | 5,784 |
| Net interest margin | 3.2700% | 5,358 |
| Noninterest income to average assets | 0.1834% | 6,088 |
| Noninterest expense to average assets | 1.7121% | 6,716 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4064% | 1,092 |
| Return on assets (ROA) | 1.4064% | 1,202 |
| Pretax return on assets | 1.4675% | 1,789 |
| Return on Equity (ROE) | 12.0997% | 1,482 |
| Retained earnings to average equity (ytd only) | 2.6655% | 4,355 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8462% | 6,282 |
| Assets per employee ($millions) | 5.1094% | 2,083 |
| Cash dividends to net income (ytd only)* | 77.9710% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6230% | 3,208 |
| Loan loss allowance to noncurrent loans | 428.0000% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 5,651 |
| Noncurrent loans to loans | 0.3792% | 5,550 |
| Net loans and leases to total assets | 38.0808% | 6,303 |
| Net loans and leases to deposits | 43.0722% | 6,421 |
| Net loans and leases to core deposits | 43.3215% | 6,492 |
| Total domestic deposits to total assets | 88.4116% | 1,959 |
| Equity capital to assets | 11.3869% | 2,550 |
| Core capital (leverage) ratio | 10.0109% | 3,382 |
| Tier 1 risk-based capital ratio | 19.8570% | 1,713 |
| Total risk-based capital ratio | 21.1082% | 1,686 |
| Memoranda: | ||
| Average total assets | $49,062,400 | 6,237 |
| Average earning assets | $44,954,800 | 6,210 |
| Average equity | $5,702,600 | 6,100 |
| Average total loans | $17,742,400 | 6,521 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6815% | 6,255 |
| Cost of funding earning assets | 0.4425% | 5,856 |
| Net interest margin | 3.2390% | 5,587 |
| Noninterest income to average assets | 0.1757% | 6,251 |
| Noninterest expense to average assets | 1.6531% | 6,824 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4142% | 1,193 |
| Return on assets (ROA) | 1.4142% | 1,308 |
| Pretax return on assets | 1.4774% | 1,970 |
| Return on Equity (ROE) | 12.1022% | 1,598 |
| Retained earnings to average equity (ytd only) | 5.5693% | 2,990 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8070% | 6,378 |
| Assets per employee ($millions) | 4.0789% | 3,720 |
| Cash dividends to net income (ytd only)* | 53.9809% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7033% | 3,140 |
| Loan loss allowance to noncurrent loans | 891.6667% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.2819% | 5,995 |
| Noncurrent loans to loans | 0.1910% | 6,131 |
| Net loans and leases to total assets | 37.8471% | 6,422 |
| Net loans and leases to deposits | 46.9070% | 6,323 |
| Net loans and leases to core deposits | 47.2167% | 6,463 |
| Total domestic deposits to total assets | 80.6852% | 5,457 |
| Equity capital to assets | 12.0273% | 2,234 |
| Core capital (leverage) ratio | 10.4801% | 2,936 |
| Tier 1 risk-based capital ratio | 20.9884% | 1,528 |
| Total risk-based capital ratio | 22.2377% | 1,494 |
| Memoranda: | ||
| Average total assets | $48,554,500 | 6,325 |
| Average earning assets | $44,292,750 | 6,300 |
| Average equity | $5,673,750 | 6,180 |
| Average total loans | $17,233,500 | 6,628 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7872% | 6,170 |
| Cost of funding earning assets | 0.4659% | 5,863 |
| Net interest margin | 3.3213% | 5,386 |
| Noninterest income to average assets | 0.1569% | 6,405 |
| Noninterest expense to average assets | 1.6851% | 6,847 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3836% | 1,223 |
| Return on assets (ROA) | 1.3836% | 1,371 |
| Pretax return on assets | 1.4456% | 2,027 |
| Return on Equity (ROE) | 11.9586% | 1,680 |
| Retained earnings to average equity (ytd only) | 7.7463% | 1,744 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8259% | 6,330 |
| Assets per employee ($millions) | 4.1621% | 3,537 |
| Cash dividends to net income (ytd only)* | 35.2239% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9509% | 2,370 |
| Loan loss allowance to noncurrent loans | 286.6071% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.4305% | 5,700 |
| Noncurrent loans to loans | 0.6807% | 5,143 |
| Net loans and leases to total assets | 32.3015% | 6,793 |
| Net loans and leases to deposits | 36.6318% | 6,854 |
| Net loans and leases to core deposits | 36.8476% | 6,895 |
| Total domestic deposits to total assets | 88.1790% | 2,028 |
| Equity capital to assets | 11.6168% | 2,472 |
| Core capital (leverage) ratio | 10.0391% | 3,369 |
| Tier 1 risk-based capital ratio | 22.4823% | 1,200 |
| Total risk-based capital ratio | 23.7343% | 1,184 |
| Memoranda: | ||
| Average total assets | $48,423,670 | 6,370 |
| Average earning assets | $43,357,000 | 6,364 |
| Average equity | $5,602,670 | 6,215 |
| Average total loans | $16,696,000 | 6,703 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8814% | 6,066 |
| Cost of funding earning assets | 0.4887% | 5,877 |
| Net interest margin | 3.3927% | 5,149 |
| Noninterest income to average assets | 0.1595% | 6,431 |
| Noninterest expense to average assets | 1.7288% | 6,873 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4099% | 1,207 |
| Return on assets (ROA) | 1.4099% | 1,354 |
| Pretax return on assets | 1.4603% | 1,989 |
| Return on Equity (ROE) | 12.2115% | 1,611 |
| Retained earnings to average equity (ytd only) | 8.5045% | 1,778 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2105% | 6,326 |
| Assets per employee ($millions) | 4.4849% | 3,024 |
| Cash dividends to net income (ytd only)* | 30.3571% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0748% | 2,159 |
| Loan loss allowance to noncurrent loans | 284.0708% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.4399% | 5,767 |
| Noncurrent loans to loans | 0.7304% | 5,201 |
| Net loans and leases to total assets | 30.7090% | 6,876 |
| Net loans and leases to deposits | 34.7270% | 6,928 |
| Net loans and leases to core deposits | 34.9320% | 6,967 |
| Total domestic deposits to total assets | 88.4299% | 2,050 |
| Equity capital to assets | 11.2681% | 2,657 |
| Core capital (leverage) ratio | 10.1589% | 3,164 |
| Tier 1 risk-based capital ratio | 25.3712% | 869 |
| Total risk-based capital ratio | 26.6259% | 847 |
| Memoranda: | ||
| Average total assets | $47,663,000 | 6,444 |
| Average earning assets | $42,562,500 | 6,438 |
| Average equity | $5,503,000 | 6,274 |
| Average total loans | $16,817,000 | 6,758 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2616% | 5,880 |
| Cost of funding earning assets | 0.5367% | 6,397 |
| Net interest margin | 3.7249% | 4,177 |
| Noninterest income to average assets | 0.1983% | 6,086 |
| Noninterest expense to average assets | 2.0968% | 6,501 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3993% | 1,033 |
| Return on assets (ROA) | 1.3993% | 1,117 |
| Pretax return on assets | 1.4729% | 1,555 |
| Return on Equity (ROE) | 11.8634% | 1,446 |
| Retained earnings to average equity (ytd only) | 1.8891% | 4,856 |
| Net charge-offs to loans | -0.0851% | 7,118 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7391% | 5,941 |
| Assets per employee ($millions) | 3.8327% | 4,242 |
| Cash dividends to net income (ytd only)* | 84.0764% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7673% | 2,975 |
| Loan loss allowance to noncurrent loans | 90.6780% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.9980% | 4,611 |
| Noncurrent loans to loans | 1.9490% | 3,274 |
| Net loans and leases to total assets | 38.7937% | 6,612 |
| Net loans and leases to deposits | 44.0663% | 6,718 |
| Net loans and leases to core deposits | 44.3456% | 6,800 |
| Total domestic deposits to total assets | 88.0349% | 2,132 |
| Equity capital to assets | 11.8434% | 2,247 |
| Core capital (leverage) ratio | 10.3923% | 2,853 |
| Tier 1 risk-based capital ratio | 22.4331% | 1,178 |
| Total risk-based capital ratio | 23.6876% | 1,148 |
| Memoranda: | ||
| Average total assets | $44,878,600 | 6,514 |
| Average earning assets | $40,618,600 | 6,506 |
| Average equity | $5,293,600 | 6,350 |
| Average total loans | $17,630,000 | 6,776 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3275% | 5,858 |
| Cost of funding earning assets | 0.5468% | 6,526 |
| Net interest margin | 3.7807% | 3,967 |
| Noninterest income to average assets | 0.1853% | 6,269 |
| Noninterest expense to average assets | 1.9790% | 6,735 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5186% | 897 |
| Return on assets (ROA) | 1.5186% | 975 |
| Pretax return on assets | 1.5964% | 1,396 |
| Return on Equity (ROE) | 12.8884% | 1,307 |
| Retained earnings to average equity (ytd only) | 5.8861% | 2,627 |
| Net charge-offs to loans | -0.0914% | 7,151 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3512% | 6,356 |
| Assets per employee ($millions) | 3.6255% | 4,690 |
| Cash dividends to net income (ytd only)* | 54.3303% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8127% | 2,902 |
| Loan loss allowance to noncurrent loans | 89.5775% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.2895% | 4,231 |
| Noncurrent loans to loans | 2.0236% | 3,338 |
| Net loans and leases to total assets | 39.5922% | 6,666 |
| Net loans and leases to deposits | 45.4689% | 6,761 |
| Net loans and leases to core deposits | 45.4689% | 6,867 |
| Total domestic deposits to total assets | 87.0753% | 2,605 |
| Equity capital to assets | 12.8097% | 1,712 |
| Core capital (leverage) ratio | 11.0231% | 2,367 |
| Tier 1 risk-based capital ratio | 24.9769% | 917 |
| Total risk-based capital ratio | 26.2073% | 906 |
| Memoranda: | ||
| Average total assets | $44,600,250 | 6,571 |
| Average earning assets | $39,991,250 | 6,588 |
| Average equity | $5,255,250 | 6,417 |
| Average total loans | $17,496,750 | 6,844 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3778% | 5,769 |
| Cost of funding earning assets | 0.5542% | 6,645 |
| Net interest margin | 3.8236% | 3,676 |
| Noninterest income to average assets | 0.1913% | 6,297 |
| Noninterest expense to average assets | 2.0105% | 6,766 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4500% | 979 |
| Return on assets (ROA) | 1.4500% | 1,038 |
| Pretax return on assets | 1.5256% | 1,452 |
| Return on Equity (ROE) | 12.6618% | 1,289 |
| Retained earnings to average equity (ytd only) | 8.1176% | 1,419 |
| Net charge-offs to loans | -0.1373% | 7,232 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8553% | 6,312 |
| Assets per employee ($millions) | 3.8090% | 4,176 |
| Cash dividends to net income (ytd only)* | 35.8896% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8647% | 2,783 |
| Loan loss allowance to noncurrent loans | 73.4411% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.4024% | 4,116 |
| Noncurrent loans to loans | 2.5390% | 2,846 |
| Net loans and leases to total assets | 36.6150% | 6,929 |
| Net loans and leases to deposits | 41.4175% | 7,018 |
| Net loans and leases to core deposits | 41.4175% | 7,085 |
| Total domestic deposits to total assets | 88.4047% | 1,916 |
| Equity capital to assets | 11.4597% | 2,539 |
| Core capital (leverage) ratio | 10.7506% | 2,467 |
| Tier 1 risk-based capital ratio | 25.0906% | 898 |
| Total risk-based capital ratio | 26.3172% | 885 |
| Memoranda: | ||
| Average total assets | $44,965,000 | 6,624 |
| Average earning assets | $39,335,000 | 6,667 |
| Average equity | $5,149,330 | 6,482 |
| Average total loans | $17,481,330 | 6,917 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3165% | 5,968 |
| Cost of funding earning assets | 0.5707% | 6,725 |
| Net interest margin | 3.7458% | 3,863 |
| Noninterest income to average assets | 0.1973% | 6,309 |
| Noninterest expense to average assets | 2.0810% | 6,677 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2827% | 1,314 |
| Return on assets (ROA) | 1.2827% | 1,360 |
| Pretax return on assets | 1.3545% | 1,868 |
| Return on Equity (ROE) | 11.2047% | 1,676 |
| Retained earnings to average equity (ytd only) | 6.5818% | 2,335 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5744% | 5,896 |
| Assets per employee ($millions) | 3.7834% | 4,337 |
| Cash dividends to net income (ytd only)* | 41.2587% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8771% | 2,768 |
| Loan loss allowance to noncurrent loans | 159.3750% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.8854% | 5,136 |
| Noncurrent loans to loans | 1.1778% | 4,721 |
| Net loans and leases to total assets | 35.2327% | 7,038 |
| Net loans and leases to deposits | 39.8485% | 7,105 |
| Net loans and leases to core deposits | 39.8485% | 7,168 |
| Total domestic deposits to total assets | 88.4166% | 2,135 |
| Equity capital to assets | 11.3169% | 2,400 |
| Core capital (leverage) ratio | 10.4473% | 2,664 |
| Tier 1 risk-based capital ratio | 25.6059% | 822 |
| Total risk-based capital ratio | 26.8474% | 800 |
| Memoranda: | ||
| Average total assets | $44,593,500 | 6,678 |
| Average earning assets | $38,550,000 | 6,738 |
| Average equity | $5,105,000 | 6,516 |
| Average total loans | $17,695,000 | 6,958 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7516% | 5,613 |
| Cost of funding earning assets | 0.6330% | 7,053 |
| Net interest margin | 4.1186% | 2,487 |
| Noninterest income to average assets | 0.2299% | 6,157 |
| Noninterest expense to average assets | 2.2847% | 6,401 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.5837% | 638 |
| Return on assets (ROA) | 1.5837% | 697 |
| Pretax return on assets | 1.6687% | 1,003 |
| Return on Equity (ROE) | 13.5790% | 970 |
| Retained earnings to average equity (ytd only) | 2.7592% | 3,925 |
| Net charge-offs to loans | -0.0728% | 7,479 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7907% | 6,360 |
| Assets per employee ($millions) | 3.6488% | 4,583 |
| Cash dividends to net income (ytd only)* | 79.6807% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6031% | 3,557 |
| Loan loss allowance to noncurrent loans | 283.3333% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.7331% | 5,537 |
| Noncurrent loans to loans | 0.5658% | 5,920 |
| Net loans and leases to total assets | 42.8950% | 6,801 |
| Net loans and leases to deposits | 48.5888% | 6,921 |
| Net loans and leases to core deposits | 48.5888% | 7,045 |
| Total domestic deposits to total assets | 88.2816% | 2,077 |
| Equity capital to assets | 11.5836% | 2,195 |
| Core capital (leverage) ratio | 10.8256% | 2,293 |
| Tier 1 risk-based capital ratio | 23.3597% | 993 |
| Total risk-based capital ratio | 24.6085% | 974 |
| Memoranda: | ||
| Average total assets | $43,506,400 | 6,753 |
| Average earning assets | $39,333,800 | 6,741 |
| Average equity | $5,074,000 | 6,643 |
| Average total loans | $17,854,400 | 7,036 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8181% | 5,587 |
| Cost of funding earning assets | 0.6538% | 7,170 |
| Net interest margin | 4.1643% | 2,352 |
| Noninterest income to average assets | 0.2087% | 6,416 |
| Noninterest expense to average assets | 2.4034% | 6,029 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4765% | 961 |
| Return on assets (ROA) | 1.4765% | 1,037 |
| Pretax return on assets | 1.5593% | 1,449 |
| Return on Equity (ROE) | 12.6381% | 1,351 |
| Retained earnings to average equity (ytd only) | 4.8608% | 3,077 |
| Net charge-offs to loans | -0.0988% | 7,551 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6507% | 5,849 |
| Assets per employee ($millions) | 3.4510% | 5,095 |
| Cash dividends to net income (ytd only)* | 61.5387% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6915% | 3,173 |
| Loan loss allowance to noncurrent loans | 209.5890% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.7848% | 5,538 |
| Noncurrent loans to loans | 0.8071% | 5,602 |
| Net loans and leases to total assets | 42.9441% | 6,913 |
| Net loans and leases to deposits | 50.0436% | 7,008 |
| Net loans and leases to core deposits | 50.0436% | 7,120 |
| Total domestic deposits to total assets | 85.8133% | 3,174 |
| Equity capital to assets | 12.7282% | 1,732 |
| Core capital (leverage) ratio | 11.0539% | 2,224 |
| Tier 1 risk-based capital ratio | 25.0615% | 860 |
| Total risk-based capital ratio | 26.3135% | 841 |
| Memoranda: | ||
| Average total assets | $43,436,500 | 6,838 |
| Average earning assets | $39,157,000 | 6,828 |
| Average equity | $5,074,500 | 6,727 |
| Average total loans | $17,546,000 | 7,145 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7785% | 5,870 |
| Cost of funding earning assets | 0.6878% | 7,215 |
| Net interest margin | 4.0907% | 2,605 |
| Noninterest income to average assets | 0.1995% | 6,475 |
| Noninterest expense to average assets | 2.5345% | 5,592 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2060% | 1,543 |
| Return on assets (ROA) | 1.2060% | 1,614 |
| Pretax return on assets | 1.2786% | 2,157 |
| Return on Equity (ROE) | 10.6209% | 1,883 |
| Retained earnings to average equity (ytd only) | 5.2705% | 2,736 |
| Net charge-offs to loans | -0.3916% | 7,711 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4685% | 4,893 |
| Assets per employee ($millions) | 3.6972% | 4,477 |
| Cash dividends to net income (ytd only)* | 50.3759% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9183% | 2,374 |
| Loan loss allowance to noncurrent loans | 124.3346% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 1.1112% | 4,916 |
| Noncurrent loans to loans | 1.5429% | 4,395 |
| Net loans and leases to total assets | 37.6843% | 7,282 |
| Net loans and leases to deposits | 42.7574% | 7,367 |
| Net loans and leases to core deposits | 43.0469% | 7,427 |
| Total domestic deposits to total assets | 88.1351% | 1,936 |
| Equity capital to assets | 11.6170% | 2,341 |
| Core capital (leverage) ratio | 10.4288% | 2,685 |
| Tier 1 risk-based capital ratio | 25.1452% | 832 |
| Total risk-based capital ratio | 26.3941% | 813 |
| Memoranda: | ||
| Average total assets | $44,111,330 | 6,859 |
| Average earning assets | $38,966,000 | 6,887 |
| Average equity | $5,009,000 | 6,776 |
| Average total loans | $17,364,670 | 7,205 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8702% | 5,606 |
| Cost of funding earning assets | 0.7597% | 7,207 |
| Net interest margin | 4.1106% | 2,400 |
| Noninterest income to average assets | 0.1637% | 6,802 |
| Noninterest expense to average assets | 2.9192% | 3,985 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7730% | 3,087 |
| Return on assets (ROA) | 0.7730% | 3,201 |
| Pretax return on assets | 0.8367% | 3,723 |
| Return on Equity (ROE) | 6.8875% | 3,403 |
| Retained earnings to average equity (ytd only) | 1.6206% | 5,128 |
| Net charge-offs to loans | -0.7533% | 7,835 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7240% | 2,943 |
| Assets per employee ($millions) | 3.6919% | 4,592 |
| Cash dividends to net income (ytd only)* | 76.4706% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0570% | 2,046 |
| Loan loss allowance to noncurrent loans | 273.9496% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.9254% | 5,297 |
| Noncurrent loans to loans | 0.7509% | 5,824 |
| Net loans and leases to total assets | 35.0360% | 7,464 |
| Net loans and leases to deposits | 39.5990% | 7,531 |
| Net loans and leases to core deposits | 39.5990% | 7,589 |
| Total domestic deposits to total assets | 88.4771% | 1,808 |
| Equity capital to assets | 11.1640% | 2,623 |
| Core capital (leverage) ratio | 10.1334% | 3,002 |
| Tier 1 risk-based capital ratio | 25.1181% | 852 |
| Total risk-based capital ratio | 26.3518% | 829 |
| Memoranda: | ||
| Average total assets | $43,984,000 | 6,950 |
| Average earning assets | $38,437,500 | 7,003 |
| Average equity | $4,936,500 | 6,867 |
| Average total loans | $17,524,000 | 7,284 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2366% | 5,477 |
| Cost of funding earning assets | 1.1737% | 6,752 |
| Net interest margin | 4.0629% | 2,596 |
| Noninterest income to average assets | 0.2568% | 6,273 |
| Noninterest expense to average assets | 2.4096% | 6,437 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.4523% | 755 |
| Return on assets (ROA) | 1.4523% | 817 |
| Pretax return on assets | 1.5410% | 1,092 |
| Return on Equity (ROE) | 12.8794% | 987 |
| Retained earnings to average equity (ytd only) | 1.6979% | 3,897 |
| Net charge-offs to loans | 0.2731% | 4,911 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 12.9412% | 1,461 |
| Efficiency ratio | 60.9929% | 6,332 |
| Assets per employee ($millions) | 3.6388% | 4,673 |
| Cash dividends to net income (ytd only)* | 86.8167% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5260% | 3,595 |
| Loan loss allowance to noncurrent loans | 238.2114% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.9642% | 5,178 |
| Noncurrent loans to loans | 0.6406% | 5,956 |
| Net loans and leases to total assets | 43.3001% | 7,158 |
| Net loans and leases to deposits | 48.9337% | 7,317 |
| Net loans and leases to core deposits | 55.2239% | 7,432 |
| Total domestic deposits to total assets | 88.4873% | 1,738 |
| Equity capital to assets | 11.2836% | 2,474 |
| Core capital (leverage) ratio | 10.5607% | 2,543 |
| Tier 1 risk-based capital ratio | 21.8615% | 1,170 |
| Total risk-based capital ratio | 23.0911% | 1,149 |
| Memoranda: | ||
| Average total assets | $42,828,600 | 6,996 |
| Average earning assets | $38,937,800 | 6,981 |
| Average equity | $4,829,400 | 7,011 |
| Average total loans | $18,673,000 | 7,277 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2687% | 5,576 |
| Cost of funding earning assets | 1.2448% | 6,743 |
| Net interest margin | 4.0239% | 2,710 |
| Noninterest income to average assets | 0.2440% | 6,489 |
| Noninterest expense to average assets | 2.2399% | 6,876 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5705% | 704 |
| Return on assets (ROA) | 1.5705% | 758 |
| Pretax return on assets | 1.6549% | 1,058 |
| Return on Equity (ROE) | 13.9297% | 950 |
| Retained earnings to average equity (ytd only) | 6.8539% | 1,569 |
| Net charge-offs to loans | 0.3164% | 4,060 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 12.0218% | 1,804 |
| Efficiency ratio | 57.5100% | 6,786 |
| Assets per employee ($millions) | 3.5337% | 4,845 |
| Cash dividends to net income (ytd only)* | 50.7963% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6497% | 2,811 |
| Loan loss allowance to noncurrent loans | 154.6392% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 1.1768% | 4,720 |
| Noncurrent loans to loans | 1.0668% | 5,180 |
| Net loans and leases to total assets | 42.1776% | 7,353 |
| Net loans and leases to deposits | 49.2469% | 7,445 |
| Net loans and leases to core deposits | 56.2581% | 7,534 |
| Total domestic deposits to total assets | 85.6452% | 2,894 |
| Equity capital to assets | 11.9093% | 2,290 |
| Core capital (leverage) ratio | 10.8412% | 2,534 |
| Tier 1 risk-based capital ratio | 16.9848% | 2,278 |
| Total risk-based capital ratio | 18.0775% | 2,278 |
| Memoranda: | ||
| Average total assets | $42,619,500 | 7,053 |
| Average earning assets | $38,667,750 | 7,045 |
| Average equity | $4,805,000 | 7,079 |
| Average total loans | $18,541,250 | 7,352 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2461% | 5,890 |
| Cost of funding earning assets | 1.3247% | 6,720 |
| Net interest margin | 3.9214% | 3,013 |
| Noninterest income to average assets | 0.2202% | 6,725 |
| Noninterest expense to average assets | 2.2581% | 6,895 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3680% | 1,087 |
| Return on assets (ROA) | 1.3680% | 1,156 |
| Pretax return on assets | 1.4429% | 1,612 |
| Return on Equity (ROE) | 12.3642% | 1,318 |
| Retained earnings to average equity (ytd only) | 7.3677% | 1,443 |
| Net charge-offs to loans | 0.4716% | 2,946 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,510 |
| Efficiency ratio | 61.0127% | 6,396 |
| Assets per employee ($millions) | 3.7259% | 4,268 |
| Cash dividends to net income (ytd only)* | 40.4110% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7077% | 2,318 |
| Loan loss allowance to noncurrent loans | 145.6311% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 1.1586% | 4,623 |
| Noncurrent loans to loans | 1.1726% | 4,874 |
| Net loans and leases to total assets | 38.6214% | 7,615 |
| Net loans and leases to deposits | 43.4273% | 7,720 |
| Net loans and leases to core deposits | 49.1168% | 7,775 |
| Total domestic deposits to total assets | 88.9334% | 1,297 |
| Equity capital to assets | 10.7669% | 3,148 |
| Core capital (leverage) ratio | 10.3215% | 2,975 |
| Tier 1 risk-based capital ratio | 16.7475% | 2,383 |
| Total risk-based capital ratio | 17.8419% | 2,370 |
| Memoranda: | ||
| Average total assets | $42,691,330 | 7,105 |
| Average earning assets | $37,895,000 | 7,135 |
| Average equity | $4,723,330 | 7,164 |
| Average total loans | $18,660,000 | 7,412 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5717% | 4,516 |
| Cost of funding earning assets | 1.4152% | 6,679 |
| Net interest margin | 4.1565% | 2,065 |
| Noninterest income to average assets | 0.2687% | 6,290 |
| Noninterest expense to average assets | 2.1784% | 6,926 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5834% | 808 |
| Return on assets (ROA) | 1.5834% | 887 |
| Pretax return on assets | 1.6698% | 1,245 |
| Return on Equity (ROE) | 14.1086% | 1,145 |
| Retained earnings to average equity (ytd only) | 10.9448% | 982 |
| Net charge-offs to loans | 0.9372% | 1,413 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.8667% | 3,038 |
| Efficiency ratio | 56.6085% | 6,879 |
| Assets per employee ($millions) | 3.6058% | 4,554 |
| Cash dividends to net income (ytd only)* | 22.4242% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 2,220 |
| Loan loss allowance to noncurrent loans | 98.0328% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 1.2919% | 4,099 |
| Noncurrent loans to loans | 1.7097% | 3,695 |
| Net loans and leases to total assets | 40.5371% | 7,539 |
| Net loans and leases to deposits | 45.7605% | 7,672 |
| Net loans and leases to core deposits | 52.1512% | 7,730 |
| Total domestic deposits to total assets | 88.5854% | 1,437 |
| Equity capital to assets | 11.0818% | 2,898 |
| Core capital (leverage) ratio | 10.7926% | 2,659 |
| Tier 1 risk-based capital ratio | 22.5274% | 1,243 |
| Total risk-based capital ratio | 23.7817% | 1,213 |
| Memoranda: | ||
| Average total assets | $41,681,500 | 7,180 |
| Average earning assets | $35,895,500 | 7,267 |
| Average equity | $4,678,000 | 7,228 |
| Average total loans | $19,206,000 | 7,424 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8179% | 6,372 |
| Cost of funding earning assets | 1.8104% | 6,974 |
| Net interest margin | 4.0075% | 3,077 |
| Noninterest income to average assets | 0.3730% | 5,711 |
| Noninterest expense to average assets | 2.2743% | 6,774 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8009% | 555 |
| Return on assets (ROA) | 1.8009% | 531 |
| Pretax return on assets | 1.8858% | 787 |
| Return on Equity (ROE) | 15.1976% | 895 |
| Retained earnings to average equity (ytd only) | -0.3691% | 5,392 |
| Net charge-offs to loans | -0.0055% | 7,791 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6691% | 7,190 |
| Assets per employee ($millions) | 3.3412% | 5,115 |
| Cash dividends to net income (ytd only)* | 102.4286% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6721% | 1,990 |
| Loan loss allowance to noncurrent loans | 227.8146% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 1.1099% | 4,058 |
| Noncurrent loans to loans | 0.7340% | 5,195 |
| Net loans and leases to total assets | 50.4539% | 6,987 |
| Net loans and leases to deposits | 57.0876% | 7,257 |
| Net loans and leases to core deposits | 65.0220% | 7,396 |
| Total domestic deposits to total assets | 88.3798% | 1,301 |
| Equity capital to assets | 11.3758% | 2,723 |
| Core capital (leverage) ratio | 11.6162% | 2,182 |
| Tier 1 risk-based capital ratio | 19.5485% | 1,695 |
| Total risk-based capital ratio | 20.8012% | 1,651 |
| Memoranda: | ||
| Average total assets | $38,869,400 | 7,265 |
| Average earning assets | $36,731,400 | 7,203 |
| Average equity | $4,606,000 | 7,302 |
| Average total loans | $18,344,600 | 7,441 |