Home > SSB Community Bank > Performance and Condition Ratios
SSB Community 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 | 6.6244% | 530 |
| Cost of funding earning assets | 2.9967% | 330 |
| Net interest margin | 3.6277% | 2,020 |
| Noninterest income to average assets | 0.2600% | 3,131 |
| Noninterest expense to average assets | 2.3348% | 2,759 |
| Loan and lease loss provision to assets | 0.1700% | 736 |
| Net operating income to assets | 0.9418% | 2,445 |
| Return on assets (ROA) | 0.9418% | 2,450 |
| Pretax return on assets | 1.1931% | 2,268 |
| Return on Equity (ROE) | 13.1100% | 1,460 |
| Retained earnings to average equity (ytd only) | 4.8477% | 2,608 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 63.0675% | 2,592 |
| Assets per employee ($millions) | 7.8295% | 1,686 |
| Cash dividends to net income (ytd only)* | 63.0225% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8517% | 3,730 |
| Loan loss allowance to noncurrent loans | 36.8648% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 2.0034% | 228 |
| Noncurrent loans to loans | 2.3104% | 344 |
| Net loans and leases to total assets | 85.9700% | 135 |
| Net loans and leases to deposits | 95.6066% | 654 |
| Net loans and leases to core deposits | 112.7493% | 764 |
| Total domestic deposits to total assets | 89.9200% | 834 |
| Equity capital to assets | 7.2099% | 3,954 |
| Core capital (leverage) ratio | 7.2985% | 4,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5976% | 2,718 |
| Memoranda: | ||
| Average total assets | $264,181,000 | 2,663 |
| Average earning assets | $250,406,500 | 2,620 |
| Average equity | $18,978,000 | 3,076 |
| Average total loans | $227,882,000 | 2,237 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5688% | 644 |
| Cost of funding earning assets | 3.0988% | 411 |
| Net interest margin | 3.4700% | 2,143 |
| Noninterest income to average assets | 0.3200% | 2,938 |
| Noninterest expense to average assets | 2.2395% | 3,014 |
| Loan and lease loss provision to assets | 0.2200% | 596 |
| Net operating income to assets | 0.9430% | 2,242 |
| Return on assets (ROA) | 0.9430% | 2,241 |
| Pretax return on assets | 1.1548% | 2,100 |
| Return on Equity (ROE) | 13.3800% | 1,270 |
| Retained earnings to average equity (ytd only) | 6.3636% | 1,682 |
| Net charge-offs to loans | 0.1209% | 1,037 |
| Credit loss provision to net charge-offs | 165.7588% | 1,300 |
| Earnings coverage of net charge-offs (x) | 13.2802% | 2,125 |
| Efficiency ratio | 61.9721% | 2,950 |
| Assets per employee ($millions) | 7.7106% | 1,699 |
| Cash dividends to net income (ytd only)* | 52.4338% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8100% | 3,850 |
| Loan loss allowance to noncurrent loans | 36.1078% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.9248% | 219 |
| Noncurrent loans to loans | 2.2433% | 338 |
| Net loans and leases to total assets | 85.1100% | 207 |
| Net loans and leases to deposits | 92.2229% | 1,020 |
| Net loans and leases to core deposits | 108.5782% | 996 |
| Total domestic deposits to total assets | 92.2800% | 250 |
| Equity capital to assets | 7.1571% | 3,912 |
| Core capital (leverage) ratio | 7.1895% | 4,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5379% | 2,772 |
| Memoranda: | ||
| Average total assets | $248,355,400 | 2,707 |
| Average earning assets | $235,964,800 | 2,673 |
| Average equity | $17,505,800 | 3,140 |
| Average total loans | $212,537,600 | 2,281 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4777% | 714 |
| Cost of funding earning assets | 3.0820% | 439 |
| Net interest margin | 3.3958% | 2,235 |
| Noninterest income to average assets | 0.3000% | 3,043 |
| Noninterest expense to average assets | 2.2180% | 3,036 |
| Loan and lease loss provision to assets | 0.2200% | 518 |
| Net operating income to assets | 0.9081% | 2,354 |
| Return on assets (ROA) | 0.9081% | 2,358 |
| Pretax return on assets | 1.0965% | 2,256 |
| Return on Equity (ROE) | 12.9400% | 1,379 |
| Retained earnings to average equity (ytd only) | 5.7391% | 2,186 |
| Net charge-offs to loans | 0.1662% | 692 |
| Credit loss provision to net charge-offs | 151.3410% | 1,285 |
| Earnings coverage of net charge-offs (x) | 9.2299% | 2,175 |
| Efficiency ratio | 62.8413% | 2,831 |
| Assets per employee ($millions) | 7.5302% | 1,787 |
| Cash dividends to net income (ytd only)* | 55.6355% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8152% | 3,878 |
| Loan loss allowance to noncurrent loans | 35.3593% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.9165% | 220 |
| Noncurrent loans to loans | 2.3055% | 318 |
| Net loans and leases to total assets | 82.4500% | 370 |
| Net loans and leases to deposits | 89.0425% | 1,332 |
| Net loans and leases to core deposits | 106.1527% | 1,132 |
| Total domestic deposits to total assets | 92.6000% | 124 |
| Equity capital to assets | 6.9397% | 4,137 |
| Core capital (leverage) ratio | 7.1063% | 4,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4646% | 2,810 |
| Memoranda: | ||
| Average total assets | $244,904,250 | 2,725 |
| Average earning assets | $232,832,750 | 2,689 |
| Average equity | $17,191,500 | 3,171 |
| Average total loans | $209,438,250 | 2,294 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4720% | 652 |
| Cost of funding earning assets | 3.0244% | 457 |
| Net interest margin | 3.4475% | 2,080 |
| Noninterest income to average assets | 0.2800% | 3,143 |
| Noninterest expense to average assets | 2.2046% | 3,061 |
| Loan and lease loss provision to assets | 0.1500% | 771 |
| Net operating income to assets | 1.0214% | 1,928 |
| Return on assets (ROA) | 1.0214% | 1,931 |
| Pretax return on assets | 1.2100% | 1,909 |
| Return on Equity (ROE) | 14.4900% | 1,076 |
| Retained earnings to average equity (ytd only) | 6.9063% | 1,681 |
| Net charge-offs to loans | -0.0039% | 3,751 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 61.9059% | 3,007 |
| Assets per employee ($millions) | 8.0473% | 1,426 |
| Cash dividends to net income (ytd only)* | 52.3380% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8590% | 3,807 |
| Loan loss allowance to noncurrent loans | 624.9147% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 2,870 |
| Noncurrent loans to loans | 0.1375% | 2,959 |
| Net loans and leases to total assets | 84.7100% | 234 |
| Net loans and leases to deposits | 91.8780% | 1,134 |
| Net loans and leases to core deposits | 109.1167% | 1,007 |
| Total domestic deposits to total assets | 92.2000% | 240 |
| Equity capital to assets | 6.9673% | 3,953 |
| Core capital (leverage) ratio | 7.1031% | 4,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4553% | 2,832 |
| Memoranda: | ||
| Average total assets | $238,686,667 | 2,761 |
| Average earning assets | $226,886,667 | 2,723 |
| Average equity | $16,825,333 | 3,172 |
| Average total loans | $206,221,667 | 2,307 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3511% | 698 |
| Cost of funding earning assets | 2.9718% | 447 |
| Net interest margin | 3.3793% | 2,164 |
| Noninterest income to average assets | 0.3000% | 2,941 |
| Noninterest expense to average assets | 2.2392% | 2,961 |
| Loan and lease loss provision to assets | 0.1500% | 697 |
| Net operating income to assets | 0.9653% | 2,040 |
| Return on assets (ROA) | 0.9653% | 2,044 |
| Pretax return on assets | 1.1299% | 2,061 |
| Return on Equity (ROE) | 13.6100% | 1,212 |
| Retained earnings to average equity (ytd only) | 5.9223% | 2,125 |
| Net charge-offs to loans | -0.0099% | 3,920 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 63.7073% | 2,855 |
| Assets per employee ($millions) | 7.8432% | 1,546 |
| Cash dividends to net income (ytd only)* | 56.4831% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8488% | 3,839 |
| Loan loss allowance to noncurrent loans | 408.9202% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 2,452 |
| Noncurrent loans to loans | 0.2076% | 2,596 |
| Net loans and leases to total assets | 86.4800% | 138 |
| Net loans and leases to deposits | 95.9275% | 722 |
| Net loans and leases to core deposits | 110.6217% | 915 |
| Total domestic deposits to total assets | 90.1500% | 748 |
| Equity capital to assets | 7.2440% | 3,792 |
| Core capital (leverage) ratio | 7.3262% | 4,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5838% | 2,849 |
| Memoranda: | ||
| Average total assets | $233,296,500 | 2,788 |
| Average earning assets | $221,820,500 | 2,758 |
| Average equity | $16,547,500 | 3,211 |
| Average total loans | $202,755,500 | 2,323 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8055% | 828 |
| Cost of funding earning assets | 2.1227% | 740 |
| Net interest margin | 3.6828% | 1,793 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.4403% | 2,474 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.2961% | 1,443 |
| Return on assets (ROA) | 1.2961% | 1,412 |
| Pretax return on assets | 1.2961% | 1,877 |
| Return on Equity (ROE) | 17.5300% | 889 |
| Retained earnings to average equity (ytd only) | 6.0925% | 2,210 |
| Net charge-offs to loans | 0.0072% | 2,410 |
| Credit loss provision to net charge-offs | 2,307.6923% | 205 |
| Earnings coverage of net charge-offs (x) | 234.4615% | 525 |
| Efficiency ratio | 62.9287% | 2,735 |
| Assets per employee ($millions) | 7.4612% | 1,757 |
| Cash dividends to net income (ytd only)* | 65.2475% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8244% | 3,906 |
| Loan loss allowance to noncurrent loans | 567.3540% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 2,704 |
| Noncurrent loans to loans | 0.1453% | 2,789 |
| Net loans and leases to total assets | 85.8800% | 164 |
| Net loans and leases to deposits | 100.2969% | 520 |
| Net loans and leases to core deposits | 113.2695% | 835 |
| Total domestic deposits to total assets | 85.6200% | 2,132 |
| Equity capital to assets | 6.9392% | 3,960 |
| Core capital (leverage) ratio | 7.2635% | 4,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1056% | 2,888 |
| Memoranda: | ||
| Average total assets | $212,023,800 | 2,899 |
| Average earning assets | $201,069,000 | 2,857 |
| Average equity | $15,675,000 | 3,208 |
| Average total loans | $181,815,600 | 2,431 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6891% | 801 |
| Cost of funding earning assets | 1.9242% | 823 |
| Net interest margin | 3.7649% | 1,659 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.5121% | 2,200 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.3140% | 1,518 |
| Return on assets (ROA) | 1.3140% | 1,500 |
| Pretax return on assets | 1.3140% | 1,995 |
| Return on Equity (ROE) | 17.4700% | 1,013 |
| Retained earnings to average equity (ytd only) | 8.1207% | 1,917 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.2637% | 2,590 |
| Assets per employee ($millions) | 7.7601% | 1,474 |
| Cash dividends to net income (ytd only)* | 53.5260% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8448% | 3,886 |
| Loan loss allowance to noncurrent loans | 206.2257% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3548% | 1,609 |
| Noncurrent loans to loans | 0.4097% | 1,807 |
| Net loans and leases to total assets | 85.8900% | 163 |
| Net loans and leases to deposits | 93.1292% | 958 |
| Net loans and leases to core deposits | 105.5795% | 1,040 |
| Total domestic deposits to total assets | 92.2200% | 416 |
| Equity capital to assets | 7.3840% | 3,425 |
| Core capital (leverage) ratio | 7.4060% | 4,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5451% | 2,884 |
| Memoranda: | ||
| Average total assets | $207,205,750 | 2,944 |
| Average earning assets | $196,369,250 | 2,906 |
| Average equity | $15,581,250 | 3,207 |
| Average total loans | $177,200,250 | 2,474 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4972% | 834 |
| Cost of funding earning assets | 1.6512% | 967 |
| Net interest margin | 3.8459% | 1,530 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.5490% | 2,076 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.3961% | 1,346 |
| Return on assets (ROA) | 1.3961% | 1,321 |
| Pretax return on assets | 1.3961% | 1,821 |
| Return on Equity (ROE) | 18.4500% | 900 |
| Retained earnings to average equity (ytd only) | 9.3472% | 1,590 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.2872% | 2,678 |
| Assets per employee ($millions) | 6.6176% | 2,194 |
| Cash dividends to net income (ytd only)* | 49.3324% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8619% | 3,872 |
| Loan loss allowance to noncurrent loans | 396.5969% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 2,262 |
| Noncurrent loans to loans | 0.2173% | 2,397 |
| Net loans and leases to total assets | 84.9400% | 212 |
| Net loans and leases to deposits | 92.5752% | 980 |
| Net loans and leases to core deposits | 110.0920% | 825 |
| Total domestic deposits to total assets | 91.7600% | 463 |
| Equity capital to assets | 7.7096% | 3,399 |
| Core capital (leverage) ratio | 7.8082% | 4,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0226% | 2,843 |
| Memoranda: | ||
| Average total assets | $203,847,000 | 2,977 |
| Average earning assets | $193,190,333 | 2,941 |
| Average equity | $15,427,000 | 3,233 |
| Average total loans | $173,532,000 | 2,497 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2902% | 838 |
| Cost of funding earning assets | 1.4471% | 945 |
| Net interest margin | 3.8431% | 1,597 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.5276% | 2,174 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.3229% | 1,613 |
| Return on assets (ROA) | 1.3229% | 1,578 |
| Pretax return on assets | 1.3229% | 2,107 |
| Return on Equity (ROE) | 17.6500% | 1,074 |
| Retained earnings to average equity (ytd only) | 7.2214% | 2,440 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.2201% | 2,543 |
| Assets per employee ($millions) | 6.5239% | 2,322 |
| Cash dividends to net income (ytd only)* | 59.0774% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8358% | 4,019 |
| Loan loss allowance to noncurrent loans | 176.0391% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.4045% | 1,278 |
| Noncurrent loans to loans | 0.4748% | 1,528 |
| Net loans and leases to total assets | 84.4800% | 203 |
| Net loans and leases to deposits | 95.7026% | 668 |
| Net loans and leases to core deposits | 110.8621% | 673 |
| Total domestic deposits to total assets | 88.2700% | 1,833 |
| Equity capital to assets | 7.5998% | 3,507 |
| Core capital (leverage) ratio | 7.7292% | 4,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9966% | 2,949 |
| Memoranda: | ||
| Average total assets | $203,197,000 | 3,019 |
| Average earning assets | $192,658,500 | 2,978 |
| Average equity | $15,232,500 | 3,284 |
| Average total loans | $172,411,500 | 2,526 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8566% | 383 |
| Cost of funding earning assets | 0.6069% | 876 |
| Net interest margin | 4.2497% | 469 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.6991% | 1,558 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.6370% | 628 |
| Return on assets (ROA) | 1.6370% | 598 |
| Pretax return on assets | 1.6370% | 1,067 |
| Return on Equity (ROE) | 21.9100% | 341 |
| Retained earnings to average equity (ytd only) | 11.4304% | 800 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.8807% | 2,927 |
| Assets per employee ($millions) | 6.5855% | 2,267 |
| Cash dividends to net income (ytd only)* | 47.8361% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7912% | 4,054 |
| Loan loss allowance to noncurrent loans | 166.8704% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 1,280 |
| Noncurrent loans to loans | 0.4741% | 1,513 |
| Net loans and leases to total assets | 83.8400% | 268 |
| Net loans and leases to deposits | 96.3392% | 620 |
| Net loans and leases to core deposits | 109.6572% | 621 |
| Total domestic deposits to total assets | 87.0300% | 2,384 |
| Equity capital to assets | 7.3940% | 3,444 |
| Core capital (leverage) ratio | 7.6363% | 4,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8361% | 2,988 |
| Memoranda: | ||
| Average total assets | $184,915,000 | 3,144 |
| Average earning assets | $175,328,000 | 3,101 |
| Average equity | $13,814,000 | 3,492 |
| Average total loans | $156,353,000 | 2,571 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7042% | 350 |
| Cost of funding earning assets | 0.5076% | 732 |
| Net interest margin | 4.1966% | 426 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.7213% | 1,418 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.5798% | 687 |
| Return on assets (ROA) | 1.5798% | 669 |
| Pretax return on assets | 1.5798% | 1,175 |
| Return on Equity (ROE) | 21.0900% | 346 |
| Retained earnings to average equity (ytd only) | 12.7266% | 655 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.8335% | 2,850 |
| Assets per employee ($millions) | 6.4709% | 2,347 |
| Cash dividends to net income (ytd only)* | 39.6439% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8004% | 4,092 |
| Loan loss allowance to noncurrent loans | 161.3692% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 1,291 |
| Noncurrent loans to loans | 0.4960% | 1,558 |
| Net loans and leases to total assets | 84.2700% | 222 |
| Net loans and leases to deposits | 91.5783% | 787 |
| Net loans and leases to core deposits | 104.6651% | 626 |
| Total domestic deposits to total assets | 92.0200% | 868 |
| Equity capital to assets | 7.6259% | 3,139 |
| Core capital (leverage) ratio | 7.8581% | 4,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9206% | 3,049 |
| Memoranda: | ||
| Average total assets | $180,105,750 | 3,210 |
| Average earning assets | $170,736,750 | 3,169 |
| Average equity | $13,493,750 | 3,562 |
| Average total loans | $152,309,000 | 2,612 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6335% | 283 |
| Cost of funding earning assets | 0.4472% | 699 |
| Net interest margin | 4.1863% | 346 |
| Noninterest income to average assets | 0.4138% | 2,670 |
| Noninterest expense to average assets | 2.7350% | 1,304 |
| Loan and lease loss provision to assets | 0.1026% | 973 |
| Net operating income to assets | 1.5459% | 626 |
| Return on assets (ROA) | 1.5459% | 610 |
| Pretax return on assets | 1.5459% | 1,054 |
| Return on Equity (ROE) | 20.7705% | 260 |
| Retained earnings to average equity (ytd only) | 12.5297% | 525 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3927% | 2,997 |
| Assets per employee ($millions) | 6.2135% | 2,555 |
| Cash dividends to net income (ytd only)* | 39.6755% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 4,160 |
| Loan loss allowance to noncurrent loans | 71.1496% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.9614% | 500 |
| Noncurrent loans to loans | 1.1347% | 718 |
| Net loans and leases to total assets | 84.0400% | 187 |
| Net loans and leases to deposits | 94.0577% | 514 |
| Net loans and leases to core deposits | 100.9635% | 631 |
| Total domestic deposits to total assets | 89.3495% | 2,024 |
| Equity capital to assets | 7.5497% | 3,438 |
| Core capital (leverage) ratio | 7.8791% | 4,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5164% | 3,068 |
| Memoranda: | ||
| Average total assets | $175,432,000 | 3,284 |
| Average earning assets | $166,352,333 | 3,255 |
| Average equity | $13,057,000 | 3,677 |
| Average total loans | $148,105,333 | 2,669 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5184% | 304 |
| Cost of funding earning assets | 0.4734% | 568 |
| Net interest margin | 4.0450% | 380 |
| Noninterest income to average assets | 0.3860% | 2,775 |
| Noninterest expense to average assets | 2.7114% | 1,332 |
| Loan and lease loss provision to assets | 0.1059% | 793 |
| Net operating income to assets | 1.4099% | 777 |
| Return on assets (ROA) | 1.4099% | 773 |
| Pretax return on assets | 1.4099% | 1,225 |
| Return on Equity (ROE) | 19.0932% | 272 |
| Retained earnings to average equity (ytd only) | 10.7100% | 843 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1425% | 3,009 |
| Assets per employee ($millions) | 5.8413% | 2,957 |
| Cash dividends to net income (ytd only)* | 43.9065% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8347% | 4,188 |
| Loan loss allowance to noncurrent loans | 169.1884% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 1,461 |
| Noncurrent loans to loans | 0.4933% | 1,793 |
| Net loans and leases to total assets | 83.3934% | 105 |
| Net loans and leases to deposits | 91.9835% | 428 |
| Net loans and leases to core deposits | 96.1598% | 648 |
| Total domestic deposits to total assets | 90.6613% | 1,207 |
| Equity capital to assets | 7.4139% | 3,983 |
| Core capital (leverage) ratio | 7.7363% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5895% | 3,078 |
| Memoranda: | ||
| Average total assets | $169,946,000 | 3,346 |
| Average earning assets | $161,384,500 | 3,312 |
| Average equity | $12,549,000 | 3,804 |
| Average total loans | $143,193,500 | 2,713 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6712% | 443 |
| Cost of funding earning assets | 0.7044% | 316 |
| Net interest margin | 3.9668% | 756 |
| Noninterest income to average assets | 0.5850% | 2,225 |
| Noninterest expense to average assets | 2.8724% | 1,211 |
| Loan and lease loss provision to assets | 0.0981% | 1,266 |
| Net operating income to assets | 1.3777% | 1,349 |
| Return on assets (ROA) | 1.3777% | 1,403 |
| Pretax return on assets | 1.3777% | 2,117 |
| Return on Equity (ROE) | 18.2596% | 440 |
| Retained earnings to average equity (ytd only) | 8.0765% | 1,508 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0600% | 2,252 |
| Assets per employee ($millions) | 5.3114% | 3,461 |
| Cash dividends to net income (ytd only)* | 55.7683% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8524% | 4,172 |
| Loan loss allowance to noncurrent loans | 162.9986% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 1,492 |
| Noncurrent loans to loans | 0.5229% | 1,824 |
| Net loans and leases to total assets | 83.7119% | 116 |
| Net loans and leases to deposits | 90.7568% | 535 |
| Net loans and leases to core deposits | 95.2202% | 721 |
| Total domestic deposits to total assets | 92.2377% | 128 |
| Equity capital to assets | 7.3524% | 4,640 |
| Core capital (leverage) ratio | 7.5997% | 4,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4896% | 3,077 |
| Memoranda: | ||
| Average total assets | $147,857,800 | 3,504 |
| Average earning assets | $140,265,200 | 3,469 |
| Average equity | $11,155,800 | 4,016 |
| Average total loans | $120,615,000 | 2,948 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6705% | 509 |
| Cost of funding earning assets | 0.7677% | 285 |
| Net interest margin | 3.9029% | 937 |
| Noninterest income to average assets | 0.6163% | 2,143 |
| Noninterest expense to average assets | 2.8335% | 1,265 |
| Loan and lease loss provision to assets | 0.0926% | 1,288 |
| Net operating income to assets | 1.3894% | 1,576 |
| Return on assets (ROA) | 1.3894% | 1,639 |
| Pretax return on assets | 1.3894% | 2,380 |
| Return on Equity (ROE) | 18.2809% | 595 |
| Retained earnings to average equity (ytd only) | 10.0380% | 1,300 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6559% | 2,150 |
| Assets per employee ($millions) | 5.3892% | 3,313 |
| Cash dividends to net income (ytd only)* | 45.0902% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8651% | 4,239 |
| Loan loss allowance to noncurrent loans | 156.8088% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.4652% | 1,634 |
| Noncurrent loans to loans | 0.5517% | 1,934 |
| Net loans and leases to total assets | 83.5829% | 127 |
| Net loans and leases to deposits | 91.1292% | 541 |
| Net loans and leases to core deposits | 95.8738% | 751 |
| Total domestic deposits to total assets | 91.7191% | 184 |
| Equity capital to assets | 7.6314% | 4,669 |
| Core capital (leverage) ratio | 7.9976% | 4,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8667% | 3,099 |
| Memoranda: | ||
| Average total assets | $143,658,750 | 3,583 |
| Average earning assets | $136,169,500 | 3,553 |
| Average equity | $10,918,250 | 4,101 |
| Average total loans | $116,013,750 | 3,028 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6859% | 540 |
| Cost of funding earning assets | 0.8312% | 251 |
| Net interest margin | 3.8547% | 1,057 |
| Noninterest income to average assets | 0.6569% | 1,978 |
| Noninterest expense to average assets | 2.8713% | 1,204 |
| Loan and lease loss provision to assets | 0.0861% | 1,428 |
| Net operating income to assets | 1.3510% | 1,703 |
| Return on assets (ROA) | 1.3510% | 1,787 |
| Pretax return on assets | 1.3510% | 2,476 |
| Return on Equity (ROE) | 17.8038% | 675 |
| Retained earnings to average equity (ytd only) | 9.6012% | 1,526 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6445% | 2,063 |
| Assets per employee ($millions) | 4.9292% | 3,715 |
| Cash dividends to net income (ytd only)* | 46.0722% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9293% | 4,068 |
| Loan loss allowance to noncurrent loans | 136.3073% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 1,476 |
| Noncurrent loans to loans | 0.6818% | 1,716 |
| Net loans and leases to total assets | 82.0373% | 216 |
| Net loans and leases to deposits | 89.3179% | 694 |
| Net loans and leases to core deposits | 94.4545% | 885 |
| Total domestic deposits to total assets | 91.8487% | 157 |
| Equity capital to assets | 7.7743% | 4,643 |
| Core capital (leverage) ratio | 7.6429% | 4,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9930% | 3,079 |
| Memoranda: | ||
| Average total assets | $139,449,000 | 3,640 |
| Average earning assets | $132,099,667 | 3,606 |
| Average equity | $10,582,000 | 4,147 |
| Average total loans | $110,761,667 | 3,117 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6154% | 643 |
| Cost of funding earning assets | 0.8924% | 231 |
| Net interest margin | 3.7230% | 1,282 |
| Noninterest income to average assets | 0.6594% | 1,996 |
| Noninterest expense to average assets | 2.8409% | 1,282 |
| Loan and lease loss provision to assets | 0.0871% | 1,513 |
| Net operating income to assets | 1.2578% | 1,952 |
| Return on assets (ROA) | 1.2578% | 2,030 |
| Pretax return on assets | 1.2578% | 2,681 |
| Return on Equity (ROE) | 16.7886% | 882 |
| Retained earnings to average equity (ytd only) | 6.7465% | 2,654 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8695% | 1,948 |
| Assets per employee ($millions) | 4.9906% | 3,667 |
| Cash dividends to net income (ytd only)* | 59.8152% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 3,960 |
| Loan loss allowance to noncurrent loans | 92.8014% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.7967% | 1,128 |
| Noncurrent loans to loans | 1.0464% | 1,284 |
| Net loans and leases to total assets | 75.3970% | 685 |
| Net loans and leases to deposits | 81.8241% | 1,348 |
| Net loans and leases to core deposits | 88.0532% | 1,365 |
| Total domestic deposits to total assets | 92.1452% | 119 |
| Equity capital to assets | 7.4472% | 4,727 |
| Core capital (leverage) ratio | 7.8941% | 4,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1190% | 3,054 |
| Memoranda: | ||
| Average total assets | $137,700,500 | 3,666 |
| Average earning assets | $130,433,500 | 3,627 |
| Average equity | $10,316,500 | 4,180 |
| Average total loans | $106,958,000 | 3,168 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9781% | 510 |
| Cost of funding earning assets | 1.1739% | 304 |
| Net interest margin | 3.8043% | 1,489 |
| Noninterest income to average assets | 0.7515% | 1,684 |
| Noninterest expense to average assets | 2.8699% | 1,761 |
| Loan and lease loss provision to assets | 0.0756% | 3,436 |
| Net operating income to assets | 1.4224% | 971 |
| Return on assets (ROA) | 1.4224% | 1,053 |
| Pretax return on assets | 1.4224% | 1,589 |
| Return on Equity (ROE) | 18.5542% | 300 |
| Retained earnings to average equity (ytd only) | 10.4819% | 499 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7055% | 2,575 |
| Assets per employee ($millions) | 4.6670% | 3,744 |
| Cash dividends to net income (ytd only)* | 43.5065% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 3,856 |
| Loan loss allowance to noncurrent loans | 89.4239% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.8900% | 1,122 |
| Noncurrent loans to loans | 1.1212% | 1,264 |
| Net loans and leases to total assets | 78.5820% | 543 |
| Net loans and leases to deposits | 85.0812% | 1,340 |
| Net loans and leases to core deposits | 91.7446% | 1,401 |
| Total domestic deposits to total assets | 92.3612% | 42 |
| Equity capital to assets | 7.5416% | 4,833 |
| Core capital (leverage) ratio | 7.5390% | 4,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8414% | 3,086 |
| Memoranda: | ||
| Average total assets | $119,098,000 | 3,761 |
| Average earning assets | $113,215,400 | 3,718 |
| Average equity | $9,130,000 | 4,296 |
| Average total loans | $94,756,000 | 3,320 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0549% | 553 |
| Cost of funding earning assets | 1.2333% | 328 |
| Net interest margin | 3.8216% | 1,561 |
| Noninterest income to average assets | 0.7263% | 1,714 |
| Noninterest expense to average assets | 2.7319% | 2,169 |
| Loan and lease loss provision to assets | 0.0688% | 3,468 |
| Net operating income to assets | 1.5627% | 792 |
| Return on assets (ROA) | 1.5627% | 870 |
| Pretax return on assets | 1.5627% | 1,295 |
| Return on Equity (ROE) | 20.2928% | 229 |
| Retained earnings to average equity (ytd only) | 13.5733% | 274 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6085% | 2,970 |
| Assets per employee ($millions) | 5.1067% | 3,104 |
| Cash dividends to net income (ytd only)* | 33.1131% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 3,508 |
| Loan loss allowance to noncurrent loans | 92.7456% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.8202% | 1,406 |
| Noncurrent loans to loans | 1.1239% | 1,348 |
| Net loans and leases to total assets | 72.2172% | 1,634 |
| Net loans and leases to deposits | 78.4367% | 2,492 |
| Net loans and leases to core deposits | 84.4727% | 2,431 |
| Total domestic deposits to total assets | 92.0707% | 52 |
| Equity capital to assets | 7.3870% | 4,881 |
| Core capital (leverage) ratio | 7.9785% | 4,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3553% | 3,056 |
| Memoranda: | ||
| Average total assets | $116,203,750 | 3,784 |
| Average earning assets | $110,597,000 | 3,744 |
| Average equity | $8,948,750 | 4,333 |
| Average total loans | $92,513,250 | 3,377 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2881% | 490 |
| Cost of funding earning assets | 1.3534% | 283 |
| Net interest margin | 3.9347% | 1,481 |
| Noninterest income to average assets | 0.7734% | 1,508 |
| Noninterest expense to average assets | 2.7954% | 2,107 |
| Loan and lease loss provision to assets | 0.0542% | 3,626 |
| Net operating income to assets | 1.6642% | 661 |
| Return on assets (ROA) | 1.6642% | 720 |
| Pretax return on assets | 1.6642% | 1,065 |
| Return on Equity (ROE) | 21.2645% | 191 |
| Retained earnings to average equity (ytd only) | 13.9223% | 284 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9295% | 3,139 |
| Assets per employee ($millions) | 4.8649% | 3,347 |
| Cash dividends to net income (ytd only)* | 34.5277% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 3,288 |
| Loan loss allowance to noncurrent loans | 89.0909% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.9421% | 1,297 |
| Noncurrent loans to loans | 1.1870% | 1,319 |
| Net loans and leases to total assets | 78.5306% | 781 |
| Net loans and leases to deposits | 86.0333% | 1,760 |
| Net loans and leases to core deposits | 92.8478% | 1,832 |
| Total domestic deposits to total assets | 91.2793% | 107 |
| Equity capital to assets | 7.9233% | 4,758 |
| Core capital (leverage) ratio | 8.2028% | 4,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3195% | 3,119 |
| Memoranda: | ||
| Average total assets | $110,680,667 | 3,857 |
| Average earning assets | $105,217,333 | 3,818 |
| Average equity | $8,662,333 | 4,381 |
| Average total loans | $91,052,667 | 3,392 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3193% | 530 |
| Cost of funding earning assets | 1.5136% | 252 |
| Net interest margin | 3.8056% | 1,946 |
| Noninterest income to average assets | 0.5611% | 2,226 |
| Noninterest expense to average assets | 2.7907% | 2,454 |
| Loan and lease loss provision to assets | 0.0557% | 3,068 |
| Net operating income to assets | 1.3303% | 1,156 |
| Return on assets (ROA) | 1.3303% | 1,249 |
| Pretax return on assets | 1.3303% | 1,780 |
| Return on Equity (ROE) | 17.1128% | 325 |
| Retained earnings to average equity (ytd only) | 9.0822% | 956 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8149% | 2,846 |
| Assets per employee ($millions) | 4.5744% | 3,163 |
| Cash dividends to net income (ytd only)* | 46.9274% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 3,477 |
| Loan loss allowance to noncurrent loans | 68.2461% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.2880% | 912 |
| Noncurrent loans to loans | 1.5284% | 1,041 |
| Net loans and leases to total assets | 83.3886% | 312 |
| Net loans and leases to deposits | 96.5208% | 859 |
| Net loans and leases to core deposits | 102.7913% | 1,258 |
| Total domestic deposits to total assets | 86.3944% | 1,828 |
| Equity capital to assets | 7.8225% | 4,997 |
| Core capital (leverage) ratio | 8.0539% | 4,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9533% | 3,336 |
| Memoranda: | ||
| Average total assets | $107,642,500 | 3,874 |
| Average earning assets | $102,269,500 | 3,849 |
| Average equity | $8,368,000 | 4,448 |
| Average total loans | $90,244,000 | 3,390 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3916% | 674 |
| Cost of funding earning assets | 1.6068% | 293 |
| Net interest margin | 3.7849% | 2,548 |
| Noninterest income to average assets | 0.4875% | 2,818 |
| Noninterest expense to average assets | 2.7505% | 2,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3344% | 1,564 |
| Return on assets (ROA) | 1.3344% | 1,647 |
| Pretax return on assets | 1.3344% | 2,382 |
| Return on Equity (ROE) | 17.2883% | 384 |
| Retained earnings to average equity (ytd only) | 8.7880% | 767 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3338% | 2,556 |
| Assets per employee ($millions) | 4.5869% | 3,098 |
| Cash dividends to net income (ytd only)* | 49.1679% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 3,059 |
| Loan loss allowance to noncurrent loans | 63.0810% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.4275% | 730 |
| Noncurrent loans to loans | 1.7119% | 803 |
| Net loans and leases to total assets | 82.4880% | 490 |
| Net loans and leases to deposits | 89.4839% | 1,651 |
| Net loans and leases to core deposits | 94.8728% | 1,992 |
| Total domestic deposits to total assets | 92.1819% | 29 |
| Equity capital to assets | 7.7233% | 5,093 |
| Core capital (leverage) ratio | 7.8129% | 5,072 |
| Tier 1 risk-based capital ratio | 9.8784% | 5,131 |
| Total risk-based capital ratio | 11.0302% | 5,115 |
| Memoranda: | ||
| Average total assets | $99,071,200 | 4,015 |
| Average earning assets | $94,164,400 | 3,964 |
| Average equity | $7,646,800 | 4,549 |
| Average total loans | $83,927,800 | 3,528 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3888% | 718 |
| Cost of funding earning assets | 1.5948% | 308 |
| Net interest margin | 3.7940% | 2,621 |
| Noninterest income to average assets | 0.4501% | 3,019 |
| Noninterest expense to average assets | 2.6731% | 2,933 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3830% | 1,521 |
| Return on assets (ROA) | 1.3830% | 1,590 |
| Pretax return on assets | 1.3830% | 2,369 |
| Return on Equity (ROE) | 17.9216% | 399 |
| Retained earnings to average equity (ytd only) | 9.5014% | 892 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9022% | 2,741 |
| Assets per employee ($millions) | 4.3132% | 3,467 |
| Cash dividends to net income (ytd only)* | 46.9832% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0824% | 3,120 |
| Loan loss allowance to noncurrent loans | 313.5314% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 3,378 |
| Noncurrent loans to loans | 0.3452% | 3,298 |
| Net loans and leases to total assets | 83.8711% | 367 |
| Net loans and leases to deposits | 92.9749% | 1,327 |
| Net loans and leases to core deposits | 99.4149% | 1,707 |
| Total domestic deposits to total assets | 90.2083% | 237 |
| Equity capital to assets | 7.7399% | 5,167 |
| Core capital (leverage) ratio | 7.8129% | 5,149 |
| Tier 1 risk-based capital ratio | 9.9918% | 5,190 |
| Total risk-based capital ratio | 11.1765% | 5,153 |
| Memoranda: | ||
| Average total assets | $97,464,250 | 4,081 |
| Average earning assets | $92,634,750 | 4,040 |
| Average equity | $7,521,500 | 4,619 |
| Average total loans | $82,916,250 | 3,577 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2273% | 932 |
| Cost of funding earning assets | 1.5559% | 317 |
| Net interest margin | 3.6715% | 3,025 |
| Noninterest income to average assets | 0.3332% | 3,707 |
| Noninterest expense to average assets | 2.5899% | 3,214 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2342% | 2,029 |
| Return on assets (ROA) | 1.2342% | 2,081 |
| Pretax return on assets | 1.2342% | 2,804 |
| Return on Equity (ROE) | 16.0098% | 588 |
| Retained earnings to average equity (ytd only) | 7.7195% | 1,514 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7260% | 2,581 |
| Assets per employee ($millions) | 4.3734% | 3,327 |
| Cash dividends to net income (ytd only)* | 51.7827% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 2,882 |
| Loan loss allowance to noncurrent loans | 206.9717% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 2,695 |
| Noncurrent loans to loans | 0.5479% | 2,623 |
| Net loans and leases to total assets | 82.3418% | 553 |
| Net loans and leases to deposits | 97.4997% | 888 |
| Net loans and leases to core deposits | 104.0436% | 1,386 |
| Total domestic deposits to total assets | 84.4534% | 2,704 |
| Equity capital to assets | 7.4671% | 5,239 |
| Core capital (leverage) ratio | 7.7185% | 5,211 |
| Tier 1 risk-based capital ratio | 9.7935% | 5,251 |
| Total risk-based capital ratio | 11.0322% | 5,221 |
| Memoranda: | ||
| Average total assets | $95,447,000 | 4,140 |
| Average earning assets | $90,753,670 | 4,101 |
| Average equity | $7,358,000 | 4,673 |
| Average total loans | $81,298,330 | 3,635 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2332% | 850 |
| Cost of funding earning assets | 1.5179% | 306 |
| Net interest margin | 3.7153% | 2,837 |
| Noninterest income to average assets | 0.3058% | 3,833 |
| Noninterest expense to average assets | 2.6702% | 2,994 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1671% | 2,189 |
| Return on assets (ROA) | 1.1671% | 2,241 |
| Pretax return on assets | 1.1671% | 2,918 |
| Return on Equity (ROE) | 14.8870% | 771 |
| Retained earnings to average equity (ytd only) | 6.0976% | 2,419 |
| Net charge-offs to loans | 0.0100% | 2,332 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 135.5000% | 543 |
| Efficiency ratio | 69.5847% | 2,410 |
| Assets per employee ($millions) | 4.3086% | 3,477 |
| Cash dividends to net income (ytd only)* | 59.0406% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 2,758 |
| Loan loss allowance to noncurrent loans | 246.2338% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.4062% | 2,960 |
| Noncurrent loans to loans | 0.4742% | 2,894 |
| Net loans and leases to total assets | 84.6513% | 316 |
| Net loans and leases to deposits | 106.5193% | 308 |
| Net loans and leases to core deposits | 114.6022% | 708 |
| Total domestic deposits to total assets | 79.4704% | 4,257 |
| Equity capital to assets | 7.7403% | 5,229 |
| Core capital (leverage) ratio | 7.9213% | 5,225 |
| Tier 1 risk-based capital ratio | 10.0507% | 5,279 |
| Total risk-based capital ratio | 11.3000% | 5,234 |
| Memoranda: | ||
| Average total assets | $92,876,500 | 4,218 |
| Average earning assets | $88,282,500 | 4,175 |
| Average equity | $7,281,500 | 4,716 |
| Average total loans | $80,059,500 | 3,694 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9032% | 1,277 |
| Cost of funding earning assets | 1.1743% | 375 |
| Net interest margin | 3.7289% | 2,937 |
| Noninterest income to average assets | 0.3749% | 3,582 |
| Noninterest expense to average assets | 2.6954% | 3,038 |
| Loan and lease loss provision to assets | 0.2064% | 912 |
| Net operating income to assets | 1.0410% | 2,843 |
| Return on assets (ROA) | 1.0410% | 2,831 |
| Pretax return on assets | 1.0410% | 3,476 |
| Return on Equity (ROE) | 12.8281% | 1,405 |
| Retained earnings to average equity (ytd only) | 4.6198% | 2,986 |
| Net charge-offs to loans | -0.0013% | 4,199 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3629% | 2,485 |
| Assets per employee ($millions) | 4.3316% | 3,409 |
| Cash dividends to net income (ytd only)* | 63.9868% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 2,554 |
| Loan loss allowance to noncurrent loans | 232.2738% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 2,768 |
| Noncurrent loans to loans | 0.5182% | 2,724 |
| Net loans and leases to total assets | 85.7272% | 251 |
| Net loans and leases to deposits | 107.3203% | 326 |
| Net loans and leases to core deposits | 115.7574% | 695 |
| Total domestic deposits to total assets | 79.8797% | 4,131 |
| Equity capital to assets | 7.9439% | 5,180 |
| Core capital (leverage) ratio | 7.9855% | 5,238 |
| Tier 1 risk-based capital ratio | 10.2251% | 5,256 |
| Total risk-based capital ratio | 11.4760% | 5,186 |
| Memoranda: | ||
| Average total assets | $87,223,200 | 4,311 |
| Average earning assets | $83,456,400 | 4,260 |
| Average equity | $7,078,200 | 4,732 |
| Average total loans | $75,774,000 | 3,755 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8715% | 1,234 |
| Cost of funding earning assets | 1.0788% | 431 |
| Net interest margin | 3.7927% | 2,672 |
| Noninterest income to average assets | 0.3770% | 3,620 |
| Noninterest expense to average assets | 2.6422% | 3,148 |
| Loan and lease loss provision to assets | 0.2086% | 814 |
| Net operating income to assets | 1.1604% | 2,409 |
| Return on assets (ROA) | 1.1604% | 2,412 |
| Pretax return on assets | 1.1604% | 3,161 |
| Return on Equity (ROE) | 14.2206% | 1,059 |
| Retained earnings to average equity (ytd only) | 5.3966% | 3,010 |
| Net charge-offs to loans | -0.0018% | 4,076 |
| Credit loss provision to net charge-offs | -13,500.0000% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8706% | 2,893 |
| Assets per employee ($millions) | 4.0915% | 3,745 |
| Cash dividends to net income (ytd only)* | 62.0507% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 2,832 |
| Loan loss allowance to noncurrent loans | 217.5481% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4622% | 2,839 |
| Noncurrent loans to loans | 0.5345% | 2,784 |
| Net loans and leases to total assets | 85.4608% | 319 |
| Net loans and leases to deposits | 105.7825% | 451 |
| Net loans and leases to core deposits | 113.6464% | 835 |
| Total domestic deposits to total assets | 80.7892% | 3,926 |
| Equity capital to assets | 7.9823% | 5,185 |
| Core capital (leverage) ratio | 8.2316% | 5,231 |
| Tier 1 risk-based capital ratio | 10.2616% | 5,309 |
| Total risk-based capital ratio | 11.5113% | 5,240 |
| Memoranda: | ||
| Average total assets | $86,288,250 | 4,370 |
| Average earning assets | $82,683,000 | 4,312 |
| Average equity | $7,041,250 | 4,787 |
| Average total loans | $74,985,000 | 3,811 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8043% | 1,237 |
| Cost of funding earning assets | 0.9888% | 489 |
| Net interest margin | 3.8155% | 2,519 |
| Noninterest income to average assets | 0.3692% | 3,691 |
| Noninterest expense to average assets | 2.6268% | 3,236 |
| Loan and lease loss provision to assets | 0.2116% | 792 |
| Net operating income to assets | 1.1970% | 2,211 |
| Return on assets (ROA) | 1.1970% | 2,209 |
| Pretax return on assets | 1.1970% | 2,953 |
| Return on Equity (ROE) | 14.5567% | 946 |
| Retained earnings to average equity (ytd only) | 5.3766% | 2,889 |
| Net charge-offs to loans | -0.0054% | 4,119 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0932% | 3,142 |
| Assets per employee ($millions) | 4.1333% | 3,677 |
| Cash dividends to net income (ytd only)* | 63.0648% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 2,992 |
| Loan loss allowance to noncurrent loans | 538.1250% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 4,056 |
| Noncurrent loans to loans | 0.2133% | 3,957 |
| Net loans and leases to total assets | 85.4205% | 311 |
| Net loans and leases to deposits | 102.1717% | 649 |
| Net loans and leases to core deposits | 107.5329% | 1,152 |
| Total domestic deposits to total assets | 83.6048% | 3,217 |
| Equity capital to assets | 8.1659% | 5,157 |
| Core capital (leverage) ratio | 8.3450% | 5,191 |
| Tier 1 risk-based capital ratio | 10.6691% | 5,203 |
| Total risk-based capital ratio | 11.9184% | 5,099 |
| Memoranda: | ||
| Average total assets | $85,047,000 | 4,427 |
| Average earning assets | $81,718,670 | 4,372 |
| Average equity | $6,993,330 | 4,845 |
| Average total loans | $74,036,670 | 3,848 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7191% | 1,264 |
| Cost of funding earning assets | 0.8916% | 623 |
| Net interest margin | 3.8275% | 2,310 |
| Noninterest income to average assets | 0.3612% | 3,728 |
| Noninterest expense to average assets | 2.6423% | 3,214 |
| Loan and lease loss provision to assets | 0.2139% | 748 |
| Net operating income to assets | 1.1976% | 2,013 |
| Return on assets (ROA) | 1.1976% | 2,027 |
| Pretax return on assets | 1.1976% | 2,759 |
| Return on Equity (ROE) | 14.5119% | 895 |
| Retained earnings to average equity (ytd only) | 5.3556% | 3,011 |
| Net charge-offs to loans | -0.0109% | 4,282 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1817% | 3,293 |
| Assets per employee ($millions) | 4.0230% | 3,937 |
| Cash dividends to net income (ytd only)* | 63.0952% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 3,290 |
| Loan loss allowance to noncurrent loans | 215.3034% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.4486% | 3,055 |
| Noncurrent loans to loans | 0.5181% | 2,963 |
| Net loans and leases to total assets | 85.6291% | 289 |
| Net loans and leases to deposits | 101.3775% | 622 |
| Net loans and leases to core deposits | 106.9594% | 1,180 |
| Total domestic deposits to total assets | 84.4655% | 3,129 |
| Equity capital to assets | 8.2774% | 5,120 |
| Core capital (leverage) ratio | 8.4128% | 5,192 |
| Tier 1 risk-based capital ratio | 11.3696% | 4,943 |
| Total risk-based capital ratio | 12.6199% | 4,841 |
| Memoranda: | ||
| Average total assets | $84,170,500 | 4,495 |
| Average earning assets | $81,202,000 | 4,426 |
| Average equity | $6,946,000 | 4,903 |
| Average total loans | $73,552,000 | 3,891 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5753% | 1,502 |
| Cost of funding earning assets | 0.7559% | 800 |
| Net interest margin | 3.8195% | 2,354 |
| Noninterest income to average assets | 0.3617% | 3,879 |
| Noninterest expense to average assets | 2.6472% | 3,290 |
| Loan and lease loss provision to assets | 0.2637% | 689 |
| Net operating income to assets | 1.1629% | 1,638 |
| Return on assets (ROA) | 1.1629% | 1,668 |
| Pretax return on assets | 1.1629% | 2,934 |
| Return on Equity (ROE) | 13.6273% | 825 |
| Retained earnings to average equity (ytd only) | 4.3560% | 2,544 |
| Net charge-offs to loans | -0.0127% | 4,851 |
| Credit loss provision to net charge-offs | -2,333.3333% | 5,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9815% | 3,450 |
| Assets per employee ($millions) | 4.1929% | 3,667 |
| Cash dividends to net income (ytd only)* | 68.0346% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 3,688 |
| Loan loss allowance to noncurrent loans | 76.3654% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.2008% | 1,233 |
| Noncurrent loans to loans | 1.3618% | 1,278 |
| Net loans and leases to total assets | 87.2630% | 172 |
| Net loans and leases to deposits | 101.7874% | 616 |
| Net loans and leases to core deposits | 106.4842% | 1,236 |
| Total domestic deposits to total assets | 85.7306% | 2,561 |
| Equity capital to assets | 8.2270% | 5,289 |
| Core capital (leverage) ratio | 8.3146% | 5,275 |
| Tier 1 risk-based capital ratio | 11.0280% | 5,131 |
| Total risk-based capital ratio | 12.2572% | 5,024 |
| Memoranda: | ||
| Average total assets | $79,631,400 | 4,598 |
| Average earning assets | $77,393,200 | 4,510 |
| Average equity | $6,795,200 | 4,975 |
| Average total loans | $70,678,000 | 3,945 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5340% | 1,548 |
| Cost of funding earning assets | 0.7327% | 833 |
| Net interest margin | 3.8013% | 2,389 |
| Noninterest income to average assets | 0.3597% | 3,955 |
| Noninterest expense to average assets | 2.5538% | 3,552 |
| Loan and lease loss provision to assets | 0.2545% | 675 |
| Net operating income to assets | 1.2489% | 1,513 |
| Return on assets (ROA) | 1.2489% | 1,539 |
| Pretax return on assets | 1.2489% | 2,713 |
| Return on Equity (ROE) | 14.4966% | 736 |
| Retained earnings to average equity (ytd only) | 6.3226% | 2,048 |
| Net charge-offs to loans | -0.0172% | 4,803 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9444% | 3,720 |
| Assets per employee ($millions) | 3.8748% | 4,199 |
| Cash dividends to net income (ytd only)* | 56.3859% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 4,241 |
| Loan loss allowance to noncurrent loans | 168.0095% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.5186% | 2,980 |
| Noncurrent loans to loans | 0.5769% | 2,960 |
| Net loans and leases to total assets | 89.0279% | 113 |
| Net loans and leases to deposits | 104.4525% | 477 |
| Net loans and leases to core deposits | 109.0386% | 1,088 |
| Total domestic deposits to total assets | 85.2329% | 2,625 |
| Equity capital to assets | 8.5093% | 5,279 |
| Core capital (leverage) ratio | 8.6894% | 5,073 |
| Tier 1 risk-based capital ratio | 11.3943% | 5,017 |
| Total risk-based capital ratio | 12.5611% | 4,958 |
| Memoranda: | ||
| Average total assets | $78,574,750 | 4,662 |
| Average earning assets | $76,428,500 | 4,576 |
| Average equity | $6,769,250 | 5,037 |
| Average total loans | $69,861,000 | 4,000 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 1,566 |
| Cost of funding earning assets | 0.7175% | 814 |
| Net interest margin | 3.7650% | 2,425 |
| Noninterest income to average assets | 0.3271% | 4,210 |
| Noninterest expense to average assets | 2.5089% | 3,718 |
| Loan and lease loss provision to assets | 0.2318% | 742 |
| Net operating income to assets | 1.2493% | 1,442 |
| Return on assets (ROA) | 1.2493% | 1,468 |
| Pretax return on assets | 1.2493% | 2,583 |
| Return on Equity (ROE) | 14.4395% | 750 |
| Retained earnings to average equity (ytd only) | 6.8476% | 1,670 |
| Net charge-offs to loans | 0.0029% | 3,396 |
| Credit loss provision to net charge-offs | 9,000.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 575.0000% | 146 |
| Efficiency ratio | 62.8793% | 3,836 |
| Assets per employee ($millions) | 3.7803% | 4,305 |
| Cash dividends to net income (ytd only)* | 52.5773% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9066% | 4,615 |
| Loan loss allowance to noncurrent loans | 133.9623% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.6009% | 2,769 |
| Noncurrent loans to loans | 0.6768% | 2,723 |
| Net loans and leases to total assets | 87.9779% | 147 |
| Net loans and leases to deposits | 102.0932% | 607 |
| Net loans and leases to core deposits | 107.0424% | 1,156 |
| Total domestic deposits to total assets | 86.1741% | 2,302 |
| Equity capital to assets | 8.6072% | 5,223 |
| Core capital (leverage) ratio | 8.6605% | 5,079 |
| Tier 1 risk-based capital ratio | 12.2646% | 4,449 |
| Total risk-based capital ratio | 13.4116% | 4,400 |
| Memoranda: | ||
| Average total assets | $77,643,000 | 4,711 |
| Average earning assets | $75,537,000 | 4,621 |
| Average equity | $6,717,670 | 5,073 |
| Average total loans | $68,764,330 | 4,047 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3690% | 1,756 |
| Cost of funding earning assets | 0.6853% | 904 |
| Net interest margin | 3.6837% | 2,548 |
| Noninterest income to average assets | 0.3178% | 4,282 |
| Noninterest expense to average assets | 2.5322% | 3,711 |
| Loan and lease loss provision to assets | 0.1563% | 1,160 |
| Net operating income to assets | 1.2140% | 1,476 |
| Return on assets (ROA) | 1.2140% | 1,512 |
| Pretax return on assets | 1.2140% | 2,534 |
| Return on Equity (ROE) | 13.9940% | 811 |
| Retained earnings to average equity (ytd only) | 6.7868% | 1,936 |
| Net charge-offs to loans | 0.0059% | 2,769 |
| Credit loss provision to net charge-offs | 3,000.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 263.0000% | 222 |
| Efficiency ratio | 64.8865% | 3,679 |
| Assets per employee ($millions) | 4.1488% | 3,761 |
| Cash dividends to net income (ytd only)* | 51.5021% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8302% | 4,989 |
| Loan loss allowance to noncurrent loans | 81.3202% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 0.9032% | 2,052 |
| Noncurrent loans to loans | 1.0209% | 2,011 |
| Net loans and leases to total assets | 87.7402% | 121 |
| Net loans and leases to deposits | 104.7623% | 369 |
| Net loans and leases to core deposits | 109.5912% | 894 |
| Total domestic deposits to total assets | 83.7518% | 3,571 |
| Equity capital to assets | 8.5199% | 5,227 |
| Core capital (leverage) ratio | 8.8955% | 4,845 |
| Tier 1 risk-based capital ratio | 12.2309% | 4,559 |
| Total risk-based capital ratio | 13.2854% | 4,585 |
| Memoranda: | ||
| Average total assets | $76,771,000 | 4,777 |
| Average earning assets | $74,708,000 | 4,683 |
| Average equity | $6,660,000 | 5,129 |
| Average total loans | $67,905,500 | 4,097 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3393% | 2,016 |
| Cost of funding earning assets | 0.6563% | 1,022 |
| Net interest margin | 3.6830% | 2,766 |
| Noninterest income to average assets | 0.4166% | 3,765 |
| Noninterest expense to average assets | 2.7848% | 3,071 |
| Loan and lease loss provision to assets | 0.1527% | 1,641 |
| Net operating income to assets | 1.0500% | 2,144 |
| Return on assets (ROA) | 1.0500% | 2,244 |
| Pretax return on assets | 1.0500% | 3,297 |
| Return on Equity (ROE) | 11.3370% | 1,455 |
| Retained earnings to average equity (ytd only) | 3.5582% | 3,394 |
| Net charge-offs to loans | 0.0066% | 4,032 |
| Credit loss provision to net charge-offs | 2,675.0000% | 152 |
| Earnings coverage of net charge-offs (x) | 210.7500% | 330 |
| Efficiency ratio | 69.8390% | 2,926 |
| Assets per employee ($millions) | 4.1508% | 3,705 |
| Cash dividends to net income (ytd only)* | 68.6141% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8325% | 5,009 |
| Loan loss allowance to noncurrent loans | 85.0077% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 0.8660% | 2,183 |
| Noncurrent loans to loans | 0.9793% | 2,134 |
| Net loans and leases to total assets | 87.6919% | 141 |
| Net loans and leases to deposits | 102.2903% | 517 |
| Net loans and leases to core deposits | 106.7259% | 1,083 |
| Total domestic deposits to total assets | 85.7284% | 2,712 |
| Equity capital to assets | 8.8389% | 4,975 |
| Core capital (leverage) ratio | 8.9619% | 4,782 |
| Tier 1 risk-based capital ratio | 12.3534% | 4,473 |
| Total risk-based capital ratio | 13.3822% | 4,511 |
| Memoranda: | ||
| Average total assets | $70,094,800 | 4,929 |
| Average earning assets | $67,961,000 | 4,850 |
| Average equity | $6,492,000 | 5,190 |
| Average total loans | $61,019,400 | 4,263 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3029% | 2,151 |
| Cost of funding earning assets | 0.6489% | 1,063 |
| Net interest margin | 3.6540% | 2,873 |
| Noninterest income to average assets | 0.4197% | 3,775 |
| Noninterest expense to average assets | 2.7618% | 3,136 |
| Loan and lease loss provision to assets | 0.1489% | 1,576 |
| Net operating income to assets | 1.0482% | 2,204 |
| Return on assets (ROA) | 1.0482% | 2,335 |
| Pretax return on assets | 1.0482% | 3,434 |
| Return on Equity (ROE) | 11.1796% | 1,602 |
| Retained earnings to average equity (ytd only) | 4.6822% | 3,034 |
| Net charge-offs to loans | -0.0134% | 4,878 |
| Credit loss provision to net charge-offs | -1,283.3333% | 5,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7606% | 2,923 |
| Assets per employee ($millions) | 3.8272% | 4,258 |
| Cash dividends to net income (ytd only)* | 58.1180% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8234% | 5,121 |
| Loan loss allowance to noncurrent loans | 121.5596% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.5996% | 3,105 |
| Noncurrent loans to loans | 0.6774% | 2,991 |
| Net loans and leases to total assets | 87.7854% | 146 |
| Net loans and leases to deposits | 101.2595% | 624 |
| Net loans and leases to core deposits | 106.2041% | 1,171 |
| Total domestic deposits to total assets | 86.6934% | 2,034 |
| Equity capital to assets | 9.0750% | 5,101 |
| Core capital (leverage) ratio | 9.2869% | 4,473 |
| Tier 1 risk-based capital ratio | 13.1334% | 4,079 |
| Total risk-based capital ratio | 14.1882% | 4,109 |
| Memoranda: | ||
| Average total assets | $68,939,750 | 4,998 |
| Average earning assets | $66,774,250 | 4,916 |
| Average equity | $6,464,000 | 5,247 |
| Average total loans | $59,757,000 | 4,334 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2900% | 2,184 |
| Cost of funding earning assets | 0.6382% | 1,099 |
| Net interest margin | 3.6518% | 2,888 |
| Noninterest income to average assets | 0.3753% | 4,065 |
| Noninterest expense to average assets | 2.7659% | 3,146 |
| Loan and lease loss provision to assets | 0.1389% | 1,633 |
| Net operating income to assets | 1.0047% | 2,371 |
| Return on assets (ROA) | 1.0047% | 2,505 |
| Pretax return on assets | 1.0047% | 3,564 |
| Return on Equity (ROE) | 10.5936% | 1,808 |
| Retained earnings to average equity (ytd only) | 3.8947% | 3,419 |
| Net charge-offs to loans | -0.0137% | 4,798 |
| Credit loss provision to net charge-offs | -1,175.0000% | 5,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7483% | 2,866 |
| Assets per employee ($millions) | 3.5782% | 4,632 |
| Cash dividends to net income (ytd only)* | 63.2353% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 5,253 |
| Loan loss allowance to noncurrent loans | 192.2780% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.3619% | 4,033 |
| Noncurrent loans to loans | 0.4214% | 3,840 |
| Net loans and leases to total assets | 85.1797% | 316 |
| Net loans and leases to deposits | 96.8310% | 981 |
| Net loans and leases to core deposits | 101.5510% | 1,506 |
| Total domestic deposits to total assets | 87.9674% | 1,447 |
| Equity capital to assets | 9.0786% | 5,183 |
| Core capital (leverage) ratio | 9.3981% | 4,340 |
| Tier 1 risk-based capital ratio | 13.3587% | 3,982 |
| Total risk-based capital ratio | 14.3826% | 4,044 |
| Memoranda: | ||
| Average total assets | $67,681,000 | 5,073 |
| Average earning assets | $65,501,670 | 4,994 |
| Average equity | $6,419,000 | 5,302 |
| Average total loans | $58,221,330 | 4,404 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2019% | 2,466 |
| Cost of funding earning assets | 0.6290% | 1,157 |
| Net interest margin | 3.5729% | 3,196 |
| Noninterest income to average assets | 0.3225% | 4,422 |
| Noninterest expense to average assets | 2.8841% | 2,757 |
| Loan and lease loss provision to assets | 0.1034% | 1,983 |
| Net operating income to assets | 0.7910% | 3,295 |
| Return on assets (ROA) | 0.7910% | 3,397 |
| Pretax return on assets | 0.7910% | 4,222 |
| Return on Equity (ROE) | 8.1505% | 2,832 |
| Retained earnings to average equity (ytd only) | 0.9404% | 4,862 |
| Net charge-offs to loans | -0.0071% | 4,398 |
| Credit loss provision to net charge-offs | -1,700.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3285% | 2,129 |
| Assets per employee ($millions) | 3.4589% | 4,870 |
| Cash dividends to net income (ytd only)* | 88.4615% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8009% | 5,357 |
| Loan loss allowance to noncurrent loans | 276.7857% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 4,310 |
| Noncurrent loans to loans | 0.2893% | 4,395 |
| Net loans and leases to total assets | 87.6413% | 136 |
| Net loans and leases to deposits | 98.8688% | 695 |
| Net loans and leases to core deposits | 102.6063% | 1,289 |
| Total domestic deposits to total assets | 88.6441% | 1,282 |
| Equity capital to assets | 9.7187% | 4,429 |
| Core capital (leverage) ratio | 9.7395% | 3,857 |
| Tier 1 risk-based capital ratio | 14.0717% | 3,642 |
| Total risk-based capital ratio | 15.0962% | 3,727 |
| Memoranda: | ||
| Average total assets | $65,739,500 | 5,160 |
| Average earning assets | $63,590,500 | 5,086 |
| Average equity | $6,380,000 | 5,341 |
| Average total loans | $56,604,000 | 4,484 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2089% | 2,526 |
| Cost of funding earning assets | 0.6255% | 1,205 |
| Net interest margin | 3.5834% | 3,198 |
| Noninterest income to average assets | 0.3545% | 4,368 |
| Noninterest expense to average assets | 3.1679% | 2,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6574% | 4,008 |
| Return on assets (ROA) | 0.6574% | 4,096 |
| Pretax return on assets | 0.6574% | 4,655 |
| Return on Equity (ROE) | 6.8821% | 3,577 |
| Retained earnings to average equity (ytd only) | 0.6241% | 5,268 |
| Net charge-offs to loans | -0.0117% | 5,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8138% | 1,293 |
| Assets per employee ($millions) | 3.2880% | 5,169 |
| Cash dividends to net income (ytd only)* | 90.9314% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8106% | 5,381 |
| Loan loss allowance to noncurrent loans | 258.3815% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 4,296 |
| Noncurrent loans to loans | 0.3137% | 4,339 |
| Net loans and leases to total assets | 83.1797% | 470 |
| Net loans and leases to deposits | 92.2194% | 1,380 |
| Net loans and leases to core deposits | 95.6326% | 1,884 |
| Total domestic deposits to total assets | 90.1977% | 544 |
| Equity capital to assets | 9.6913% | 4,319 |
| Core capital (leverage) ratio | 9.9729% | 3,548 |
| Tier 1 risk-based capital ratio | 15.0020% | 3,178 |
| Total risk-based capital ratio | 16.0542% | 3,207 |
| Memoranda: | ||
| Average total assets | $62,060,600 | 5,275 |
| Average earning assets | $60,111,200 | 5,186 |
| Average equity | $5,928,400 | 5,452 |
| Average total loans | $51,377,000 | 4,626 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2107% | 2,540 |
| Cost of funding earning assets | 0.6260% | 1,237 |
| Net interest margin | 3.5847% | 3,220 |
| Noninterest income to average assets | 0.3424% | 4,487 |
| Noninterest expense to average assets | 3.1732% | 2,036 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6412% | 4,174 |
| Return on assets (ROA) | 0.6412% | 4,289 |
| Pretax return on assets | 0.6412% | 4,862 |
| Return on Equity (ROE) | 6.7384% | 3,763 |
| Retained earnings to average equity (ytd only) | 0.5272% | 5,467 |
| Net charge-offs to loans | -0.0079% | 4,920 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1904% | 1,242 |
| Assets per employee ($millions) | 3.1457% | 5,369 |
| Cash dividends to net income (ytd only)* | 92.1758% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8249% | 5,453 |
| Loan loss allowance to noncurrent loans | 108.5575% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 3,308 |
| Noncurrent loans to loans | 0.7598% | 3,062 |
| Net loans and leases to total assets | 84.8507% | 318 |
| Net loans and leases to deposits | 94.4982% | 1,138 |
| Net loans and leases to core deposits | 98.2190% | 1,680 |
| Total domestic deposits to total assets | 89.7908% | 657 |
| Equity capital to assets | 10.1059% | 4,044 |
| Core capital (leverage) ratio | 10.1449% | 3,444 |
| Tier 1 risk-based capital ratio | 15.4598% | 3,071 |
| Total risk-based capital ratio | 16.5394% | 3,080 |
| Memoranda: | ||
| Average total assets | $61,135,750 | 5,359 |
| Average earning assets | $59,213,000 | 5,268 |
| Average equity | $5,817,250 | 5,548 |
| Average total loans | $50,434,750 | 4,697 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1138% | 2,848 |
| Cost of funding earning assets | 0.6106% | 1,342 |
| Net interest margin | 3.5032% | 3,482 |
| Noninterest income to average assets | 0.3237% | 4,633 |
| Noninterest expense to average assets | 3.2440% | 1,856 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4724% | 4,879 |
| Return on assets (ROA) | 0.4724% | 4,976 |
| Pretax return on assets | 0.4724% | 5,297 |
| Return on Equity (ROE) | 5.0736% | 4,586 |
| Retained earnings to average equity (ytd only) | -1.8804% | 5,818 |
| Net charge-offs to loans | -0.0081% | 4,870 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2889% | 962 |
| Assets per employee ($millions) | 2.9397% | 5,664 |
| Cash dividends to net income (ytd only)* | 137.0629% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8716% | 5,402 |
| Loan loss allowance to noncurrent loans | 142.4437% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.5038% | 3,933 |
| Noncurrent loans to loans | 0.6119% | 3,640 |
| Net loans and leases to total assets | 81.6111% | 592 |
| Net loans and leases to deposits | 91.0275% | 1,481 |
| Net loans and leases to core deposits | 94.6816% | 1,895 |
| Total domestic deposits to total assets | 89.6555% | 812 |
| Equity capital to assets | 10.1777% | 3,828 |
| Core capital (leverage) ratio | 10.0972% | 3,466 |
| Tier 1 risk-based capital ratio | 16.4606% | 2,627 |
| Total risk-based capital ratio | 17.6212% | 2,630 |
| Memoranda: | ||
| Average total assets | $60,543,000 | 5,435 |
| Average earning assets | $58,631,670 | 5,343 |
| Average equity | $5,637,000 | 5,640 |
| Average total loans | $49,304,000 | 4,776 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0643% | 2,972 |
| Cost of funding earning assets | 0.5924% | 1,489 |
| Net interest margin | 3.4719% | 3,544 |
| Noninterest income to average assets | 0.1868% | 5,589 |
| Noninterest expense to average assets | 3.2562% | 1,828 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2936% | 5,443 |
| Return on assets (ROA) | 0.2936% | 5,540 |
| Pretax return on assets | 0.2936% | 5,663 |
| Return on Equity (ROE) | 3.3120% | 5,246 |
| Retained earnings to average equity (ytd only) | -3.1615% | 5,805 |
| Net charge-offs to loans | -0.0082% | 4,641 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7293% | 733 |
| Assets per employee ($millions) | 3.1505% | 5,482 |
| Cash dividends to net income (ytd only)* | 195.4545% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9082% | 5,418 |
| Loan loss allowance to noncurrent loans | 920.8333% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 5,637 |
| Noncurrent loans to loans | 0.0986% | 5,400 |
| Net loans and leases to total assets | 76.5339% | 1,132 |
| Net loans and leases to deposits | 83.6279% | 2,127 |
| Net loans and leases to core deposits | 84.8924% | 2,667 |
| Total domestic deposits to total assets | 91.5172% | 227 |
| Equity capital to assets | 8.4003% | 5,804 |
| Core capital (leverage) ratio | 9.0454% | 4,899 |
| Tier 1 risk-based capital ratio | 14.6195% | 3,647 |
| Total risk-based capital ratio | 15.8404% | 3,594 |
| Memoranda: | ||
| Average total assets | $59,948,000 | 5,503 |
| Average earning assets | $58,066,000 | 5,415 |
| Average equity | $5,314,000 | 5,757 |
| Average total loans | $48,544,000 | 4,828 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3685% | 2,327 |
| Cost of funding earning assets | 0.5522% | 2,187 |
| Net interest margin | 3.8164% | 2,564 |
| Noninterest income to average assets | 0.3400% | 4,673 |
| Noninterest expense to average assets | 3.1735% | 2,279 |
| Loan and lease loss provision to assets | 0.0378% | 3,823 |
| Net operating income to assets | 0.8236% | 3,262 |
| Return on assets (ROA) | 0.8236% | 3,351 |
| Pretax return on assets | 0.8236% | 4,175 |
| Return on Equity (ROE) | 8.2298% | 3,006 |
| Retained earnings to average equity (ytd only) | 1.7366% | 4,950 |
| Net charge-offs to loans | -0.0111% | 5,580 |
| Credit loss provision to net charge-offs | -400.0000% | 5,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6517% | 2,111 |
| Assets per employee ($millions) | 2.9940% | 5,707 |
| Cash dividends to net income (ytd only)* | 78.8991% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 5,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 84.3459% | 320 |
| Net loans and leases to deposits | 93.2014% | 1,160 |
| Net loans and leases to core deposits | 94.7829% | 1,839 |
| Total domestic deposits to total assets | 90.4985% | 543 |
| Equity capital to assets | 9.3784% | 4,879 |
| Core capital (leverage) ratio | 9.2524% | 4,601 |
| Tier 1 risk-based capital ratio | 14.5821% | 3,732 |
| Total risk-based capital ratio | 15.7875% | 3,693 |
| Memoranda: | ||
| Average total assets | $52,938,400 | 5,719 |
| Average earning assets | $51,253,000 | 5,638 |
| Average equity | $5,297,800 | 5,792 |
| Average total loans | $44,991,800 | 4,995 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3876% | 2,264 |
| Cost of funding earning assets | 0.5170% | 2,585 |
| Net interest margin | 3.8706% | 2,352 |
| Noninterest income to average assets | 0.3439% | 4,685 |
| Noninterest expense to average assets | 3.2029% | 2,168 |
| Loan and lease loss provision to assets | 0.0128% | 4,160 |
| Net operating income to assets | 0.8752% | 3,046 |
| Return on assets (ROA) | 0.8752% | 3,143 |
| Pretax return on assets | 0.8752% | 4,092 |
| Return on Equity (ROE) | 8.5971% | 2,905 |
| Retained earnings to average equity (ytd only) | 2.2437% | 4,936 |
| Net charge-offs to loans | -0.0091% | 5,408 |
| Credit loss provision to net charge-offs | -166.6667% | 5,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2936% | 2,139 |
| Assets per employee ($millions) | 3.1787% | 5,473 |
| Cash dividends to net income (ytd only)* | 73.8992% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9015% | 5,599 |
| Loan loss allowance to noncurrent loans | 385.4545% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 5,445 |
| Noncurrent loans to loans | 0.2339% | 5,200 |
| Net loans and leases to total assets | 81.4566% | 564 |
| Net loans and leases to deposits | 89.9315% | 1,436 |
| Net loans and leases to core deposits | 91.4508% | 2,076 |
| Total domestic deposits to total assets | 90.5762% | 497 |
| Equity capital to assets | 9.3189% | 5,019 |
| Core capital (leverage) ratio | 9.8268% | 3,907 |
| Tier 1 risk-based capital ratio | 15.1779% | 3,492 |
| Total risk-based capital ratio | 16.3849% | 3,450 |
| Memoranda: | ||
| Average total assets | $51,951,500 | 5,804 |
| Average earning assets | $50,292,500 | 5,724 |
| Average equity | $5,288,500 | 5,850 |
| Average total loans | $44,134,250 | 5,086 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4433% | 2,016 |
| Cost of funding earning assets | 0.4987% | 2,847 |
| Net interest margin | 3.9446% | 1,992 |
| Noninterest income to average assets | 0.3586% | 4,550 |
| Noninterest expense to average assets | 3.1915% | 2,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9802% | 2,405 |
| Return on assets (ROA) | 0.9802% | 2,481 |
| Pretax return on assets | 0.9802% | 3,555 |
| Return on Equity (ROE) | 9.3288% | 2,449 |
| Retained earnings to average equity (ytd only) | 2.6166% | 4,535 |
| Net charge-offs to loans | -0.0093% | 5,306 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5043% | 2,536 |
| Assets per employee ($millions) | 3.2434% | 5,349 |
| Cash dividends to net income (ytd only)* | 71.9512% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9355% | 5,616 |
| Loan loss allowance to noncurrent loans | 373.2143% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 5,474 |
| Noncurrent loans to loans | 0.2507% | 5,259 |
| Net loans and leases to total assets | 85.2953% | 225 |
| Net loans and leases to deposits | 95.2037% | 865 |
| Net loans and leases to core deposits | 97.0127% | 1,522 |
| Total domestic deposits to total assets | 89.5924% | 1,021 |
| Equity capital to assets | 10.2361% | 3,778 |
| Core capital (leverage) ratio | 10.4978% | 2,953 |
| Tier 1 risk-based capital ratio | 15.9731% | 3,102 |
| Total risk-based capital ratio | 17.1728% | 3,071 |
| Memoranda: | ||
| Average total assets | $50,196,330 | 5,899 |
| Average earning assets | $48,522,330 | 5,824 |
| Average equity | $5,274,000 | 5,894 |
| Average total loans | $43,168,670 | 5,159 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4996% | 1,814 |
| Cost of funding earning assets | 0.4785% | 3,129 |
| Net interest margin | 4.0211% | 1,680 |
| Noninterest income to average assets | 0.3567% | 4,532 |
| Noninterest expense to average assets | 3.2099% | 2,200 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0294% | 2,083 |
| Return on assets (ROA) | 1.0294% | 2,159 |
| Pretax return on assets | 1.0294% | 3,211 |
| Return on Equity (ROE) | 9.6670% | 2,171 |
| Retained earnings to average equity (ytd only) | 1.8268% | 4,870 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7170% | 2,846 |
| Assets per employee ($millions) | 3.5839% | 4,760 |
| Cash dividends to net income (ytd only)* | 81.1024% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9712% | 5,632 |
| Loan loss allowance to noncurrent loans | 526.5823% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 5,771 |
| Noncurrent loans to loans | 0.1844% | 5,541 |
| Net loans and leases to total assets | 84.5398% | 210 |
| Net loans and leases to deposits | 99.0542% | 488 |
| Net loans and leases to core deposits | 101.1615% | 1,025 |
| Total domestic deposits to total assets | 85.3470% | 3,697 |
| Equity capital to assets | 10.4975% | 3,249 |
| Core capital (leverage) ratio | 10.6831% | 2,723 |
| Tier 1 risk-based capital ratio | 17.1379% | 2,628 |
| Total risk-based capital ratio | 18.3353% | 2,598 |
| Memoranda: | ||
| Average total assets | $49,347,000 | 5,981 |
| Average earning assets | $47,648,500 | 5,896 |
| Average equity | $5,255,000 | 5,936 |
| Average total loans | $42,412,000 | 5,224 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5685% | 1,967 |
| Cost of funding earning assets | 0.3799% | 4,836 |
| Net interest margin | 4.1886% | 1,387 |
| Noninterest income to average assets | 0.3508% | 4,805 |
| Noninterest expense to average assets | 3.4777% | 1,710 |
| Loan and lease loss provision to assets | 0.1052% | 3,036 |
| Net operating income to assets | 0.7905% | 3,338 |
| Return on assets (ROA) | 0.7905% | 3,440 |
| Pretax return on assets | 0.7905% | 4,181 |
| Return on Equity (ROE) | 6.4739% | 3,842 |
| Retained earnings to average equity (ytd only) | -0.0958% | 5,887 |
| Net charge-offs to loans | 0.0222% | 4,988 |
| Credit loss provision to net charge-offs | 562.5000% | 417 |
| Earnings coverage of net charge-offs (x) | 47.8750% | 822 |
| Efficiency ratio | 79.5187% | 2,233 |
| Assets per employee ($millions) | 3.7323% | 4,405 |
| Cash dividends to net income (ytd only)* | 101.4793% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9907% | 5,617 |
| Loan loss allowance to noncurrent loans | 200.9662% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4266% | 4,970 |
| Noncurrent loans to loans | 0.4930% | 4,764 |
| Net loans and leases to total assets | 85.6863% | 170 |
| Net loans and leases to deposits | 106.0451% | 256 |
| Net loans and leases to core deposits | 107.0831% | 737 |
| Total domestic deposits to total assets | 80.8017% | 5,240 |
| Equity capital to assets | 10.8059% | 2,810 |
| Core capital (leverage) ratio | 11.0048% | 2,382 |
| Tier 1 risk-based capital ratio | 17.9752% | 2,255 |
| Total risk-based capital ratio | 19.1786% | 2,230 |
| Memoranda: | ||
| Average total assets | $42,758,400 | 6,200 |
| Average earning assets | $41,063,800 | 6,140 |
| Average equity | $5,221,000 | 6,012 |
| Average total loans | $36,063,200 | 5,495 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5631% | 2,000 |
| Cost of funding earning assets | 0.3702% | 5,097 |
| Net interest margin | 4.1929% | 1,361 |
| Noninterest income to average assets | 0.3453% | 4,929 |
| Noninterest expense to average assets | 3.4818% | 1,648 |
| Loan and lease loss provision to assets | 0.1226% | 2,758 |
| Net operating income to assets | 0.7616% | 3,548 |
| Return on assets (ROA) | 0.7616% | 3,678 |
| Pretax return on assets | 0.7616% | 4,451 |
| Return on Equity (ROE) | 6.0332% | 4,172 |
| Retained earnings to average equity (ytd only) | -0.8181% | 6,104 |
| Net charge-offs to loans | 0.0347% | 4,444 |
| Credit loss provision to net charge-offs | 422.2222% | 630 |
| Earnings coverage of net charge-offs (x) | 30.4433% | 1,226 |
| Efficiency ratio | 79.7487% | 2,138 |
| Assets per employee ($millions) | 3.5762% | 4,697 |
| Cash dividends to net income (ytd only)* | 113.5575% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 5,684 |
| Loan loss allowance to noncurrent loans | 156.9231% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.5593% | 4,777 |
| Noncurrent loans to loans | 0.6410% | 4,596 |
| Net loans and leases to total assets | 86.3734% | 134 |
| Net loans and leases to deposits | 107.9465% | 195 |
| Net loans and leases to core deposits | 109.1346% | 617 |
| Total domestic deposits to total assets | 80.0151% | 5,505 |
| Equity capital to assets | 11.2196% | 2,541 |
| Core capital (leverage) ratio | 11.8797% | 1,749 |
| Tier 1 risk-based capital ratio | 18.7121% | 2,077 |
| Total risk-based capital ratio | 19.9426% | 2,053 |
| Memoranda: | ||
| Average total assets | $41,318,000 | 6,322 |
| Average earning assets | $39,621,500 | 6,245 |
| Average equity | $5,215,500 | 6,086 |
| Average total loans | $34,581,250 | 5,607 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6004% | 1,853 |
| Cost of funding earning assets | 0.3640% | 5,281 |
| Net interest margin | 4.2363% | 1,179 |
| Noninterest income to average assets | 0.2475% | 5,677 |
| Noninterest expense to average assets | 3.5763% | 1,455 |
| Loan and lease loss provision to assets | 0.1515% | 2,430 |
| Net operating income to assets | 0.5758% | 4,416 |
| Return on assets (ROA) | 0.5758% | 4,592 |
| Pretax return on assets | 0.5758% | 5,110 |
| Return on Equity (ROE) | 4.3717% | 5,064 |
| Retained earnings to average equity (ytd only) | -3.0295% | 6,314 |
| Net charge-offs to loans | 0.0552% | 3,908 |
| Credit loss provision to net charge-offs | 333.3333% | 775 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,690 |
| Efficiency ratio | 83.0986% | 1,743 |
| Assets per employee ($millions) | 3.1952% | 5,491 |
| Cash dividends to net income (ytd only)* | 169.2982% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 5,423 |
| Loan loss allowance to noncurrent loans | 86.7679% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.1412% | 3,462 |
| Noncurrent loans to loans | 1.2739% | 3,423 |
| Net loans and leases to total assets | 86.1617% | 145 |
| Net loans and leases to deposits | 110.9289% | 129 |
| Net loans and leases to core deposits | 112.3356% | 476 |
| Total domestic deposits to total assets | 77.6729% | 6,038 |
| Equity capital to assets | 12.4443% | 1,614 |
| Core capital (leverage) ratio | 13.0709% | 1,136 |
| Tier 1 risk-based capital ratio | 20.6975% | 1,572 |
| Total risk-based capital ratio | 21.9508% | 1,538 |
| Memoranda: | ||
| Average total assets | $39,594,000 | 6,416 |
| Average earning assets | $37,910,000 | 6,346 |
| Average equity | $5,215,330 | 6,125 |
| Average total loans | $32,587,330 | 5,732 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6208% | 1,769 |
| Cost of funding earning assets | 0.3788% | 5,298 |
| Net interest margin | 4.2421% | 1,093 |
| Noninterest income to average assets | 0.2382% | 5,758 |
| Noninterest expense to average assets | 3.5627% | 1,490 |
| Loan and lease loss provision to assets | 0.1553% | 2,314 |
| Net operating income to assets | 0.5800% | 4,311 |
| Return on assets (ROA) | 0.5800% | 4,464 |
| Pretax return on assets | 0.5800% | 5,024 |
| Return on Equity (ROE) | 4.2760% | 4,959 |
| Retained earnings to average equity (ytd only) | -1.4508% | 6,010 |
| Net charge-offs to loans | -0.0130% | 5,538 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8916% | 1,908 |
| Assets per employee ($millions) | 2.7092% | 6,389 |
| Cash dividends to net income (ytd only)* | 133.9286% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 4,876 |
| Loan loss allowance to noncurrent loans | 58.0029% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 1.7955% | 2,609 |
| Noncurrent loans to loans | 2.1781% | 2,416 |
| Net loans and leases to total assets | 81.3915% | 318 |
| Net loans and leases to deposits | 94.5687% | 637 |
| Net loans and leases to core deposits | 95.7537% | 1,213 |
| Total domestic deposits to total assets | 86.0661% | 3,498 |
| Equity capital to assets | 13.7863% | 1,099 |
| Core capital (leverage) ratio | 13.4232% | 965 |
| Tier 1 risk-based capital ratio | 25.1503% | 869 |
| Total risk-based capital ratio | 26.4105% | 854 |
| Memoranda: | ||
| Average total assets | $38,622,500 | 6,499 |
| Average earning assets | $36,963,000 | 6,434 |
| Average equity | $5,238,500 | 6,177 |
| Average total loans | $30,786,500 | 5,852 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7179% | 2,526 |
| Cost of funding earning assets | 0.4551% | 5,543 |
| Net interest margin | 4.2628% | 1,486 |
| Noninterest income to average assets | 0.5284% | 3,723 |
| Noninterest expense to average assets | 3.1381% | 2,814 |
| Loan and lease loss provision to assets | 0.1481% | 3,753 |
| Net operating income to assets | 1.3357% | 1,221 |
| Return on assets (ROA) | 1.3357% | 1,349 |
| Pretax return on assets | 1.3357% | 2,271 |
| Return on Equity (ROE) | 9.4819% | 2,409 |
| Retained earnings to average equity (ytd only) | -11.3923% | 6,681 |
| Net charge-offs to loans | -0.0128% | 6,503 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8953% | 4,166 |
| Assets per employee ($millions) | 2.6211% | 6,521 |
| Cash dividends to net income (ytd only)* | 220.1479% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 4,868 |
| Loan loss allowance to noncurrent loans | 40.0634% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 2.4061% | 2,038 |
| Noncurrent loans to loans | 3.1214% | 1,659 |
| Net loans and leases to total assets | 76.1217% | 895 |
| Net loans and leases to deposits | 87.9511% | 1,281 |
| Net loans and leases to core deposits | 89.0052% | 1,967 |
| Total domestic deposits to total assets | 86.5500% | 3,078 |
| Equity capital to assets | 13.3483% | 1,286 |
| Core capital (leverage) ratio | 13.1023% | 1,076 |
| Tier 1 risk-based capital ratio | 25.0238% | 850 |
| Total risk-based capital ratio | 26.2827% | 839 |
| Memoranda: | ||
| Average total assets | $40,501,600 | 6,487 |
| Average earning assets | $38,894,200 | 6,400 |
| Average equity | $5,705,600 | 6,098 |
| Average total loans | $31,245,200 | 5,886 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7130% | 2,760 |
| Cost of funding earning assets | 0.4662% | 5,672 |
| Net interest margin | 4.2469% | 1,604 |
| Noninterest income to average assets | 0.6209% | 3,150 |
| Noninterest expense to average assets | 3.0001% | 3,234 |
| Loan and lease loss provision to assets | 0.1471% | 3,701 |
| Net operating income to assets | 1.5523% | 941 |
| Return on assets (ROA) | 1.5523% | 1,040 |
| Pretax return on assets | 1.5523% | 1,716 |
| Return on Equity (ROE) | 10.8818% | 2,001 |
| Retained earnings to average equity (ytd only) | -13.0122% | 6,874 |
| Net charge-offs to loans | -0.0381% | 6,637 |
| Credit loss provision to net charge-offs | -500.0000% | 6,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8387% | 4,829 |
| Assets per employee ($millions) | 2.7509% | 6,431 |
| Cash dividends to net income (ytd only)* | 219.5778% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 5,439 |
| Loan loss allowance to noncurrent loans | 50.3411% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 1.7764% | 2,947 |
| Noncurrent loans to loans | 2.3214% | 2,482 |
| Net loans and leases to total assets | 75.6277% | 1,023 |
| Net loans and leases to deposits | 87.0318% | 1,480 |
| Net loans and leases to core deposits | 88.0137% | 2,213 |
| Total domestic deposits to total assets | 86.8966% | 2,738 |
| Equity capital to assets | 12.9168% | 1,637 |
| Core capital (leverage) ratio | 13.0855% | 1,154 |
| Tier 1 risk-based capital ratio | 25.2487% | 887 |
| Total risk-based capital ratio | 26.4803% | 877 |
| Memoranda: | ||
| Average total assets | $40,798,000 | 6,558 |
| Average earning assets | $39,181,000 | 6,458 |
| Average equity | $5,820,000 | 6,144 |
| Average total loans | $31,479,750 | 5,951 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7918% | 2,540 |
| Cost of funding earning assets | 0.4920% | 5,672 |
| Net interest margin | 4.2998% | 1,480 |
| Noninterest income to average assets | 0.4724% | 4,116 |
| Noninterest expense to average assets | 2.9722% | 3,365 |
| Loan and lease loss provision to assets | 0.1476% | 3,670 |
| Net operating income to assets | 1.4812% | 1,023 |
| Return on assets (ROA) | 1.4812% | 1,146 |
| Pretax return on assets | 1.4812% | 1,917 |
| Return on Equity (ROE) | 10.0613% | 2,328 |
| Retained earnings to average equity (ytd only) | 4.8134% | 3,402 |
| Net charge-offs to loans | -0.0509% | 6,667 |
| Credit loss provision to net charge-offs | -375.0000% | 6,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5989% | 4,784 |
| Assets per employee ($millions) | 2.6798% | 6,556 |
| Cash dividends to net income (ytd only)* | 52.1595% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 5,661 |
| Loan loss allowance to noncurrent loans | 135.2490% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 5,155 |
| Noncurrent loans to loans | 0.8335% | 4,847 |
| Net loans and leases to total assets | 77.0232% | 842 |
| Net loans and leases to deposits | 90.8533% | 1,061 |
| Net loans and leases to core deposits | 91.9297% | 1,783 |
| Total domestic deposits to total assets | 84.7775% | 3,959 |
| Equity capital to assets | 15.0310% | 778 |
| Core capital (leverage) ratio | 14.8876% | 617 |
| Tier 1 risk-based capital ratio | 29.6249% | 535 |
| Total risk-based capital ratio | 30.8801% | 525 |
| Memoranda: | ||
| Average total assets | $40,642,670 | 6,612 |
| Average earning assets | $39,024,670 | 6,509 |
| Average equity | $5,983,330 | 6,122 |
| Average total loans | $31,447,670 | 5,994 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8333% | 2,512 |
| Cost of funding earning assets | 0.5404% | 5,553 |
| Net interest margin | 4.2929% | 1,486 |
| Noninterest income to average assets | 0.7243% | 2,538 |
| Noninterest expense to average assets | 2.8386% | 3,869 |
| Loan and lease loss provision to assets | 0.1468% | 3,527 |
| Net operating income to assets | 1.8598% | 527 |
| Return on assets (ROA) | 1.8598% | 600 |
| Pretax return on assets | 1.8598% | 948 |
| Return on Equity (ROE) | 12.7645% | 1,476 |
| Retained earnings to average equity (ytd only) | 7.5244% | 2,165 |
| Net charge-offs to loans | -0.0888% | 6,745 |
| Credit loss provision to net charge-offs | -214.2857% | 5,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5859% | 5,834 |
| Assets per employee ($millions) | 2.9196% | 6,304 |
| Cash dividends to net income (ytd only)* | 41.0526% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 6,016 |
| Loan loss allowance to noncurrent loans | 89.8667% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.9175% | 4,685 |
| Noncurrent loans to loans | 1.1886% | 4,347 |
| Net loans and leases to total assets | 76.3639% | 764 |
| Net loans and leases to deposits | 89.7106% | 991 |
| Net loans and leases to core deposits | 90.8147% | 1,767 |
| Total domestic deposits to total assets | 85.1226% | 3,973 |
| Equity capital to assets | 14.7037% | 807 |
| Core capital (leverage) ratio | 14.6761% | 658 |
| Tier 1 risk-based capital ratio | 28.8554% | 577 |
| Total risk-based capital ratio | 30.0701% | 569 |
| Memoranda: | ||
| Average total assets | $40,865,500 | 6,654 |
| Average earning assets | $39,227,500 | 6,553 |
| Average equity | $5,954,000 | 6,159 |
| Average total loans | $31,514,500 | 6,035 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1978% | 2,065 |
| Cost of funding earning assets | 0.6814% | 5,654 |
| Net interest margin | 4.5164% | 1,094 |
| Noninterest income to average assets | 0.1677% | 6,288 |
| Noninterest expense to average assets | 3.0992% | 3,200 |
| Loan and lease loss provision to assets | 0.1094% | 5,225 |
| Net operating income to assets | 1.2932% | 1,266 |
| Return on assets (ROA) | 1.2932% | 1,368 |
| Pretax return on assets | 1.2932% | 2,157 |
| Return on Equity (ROE) | 9.0476% | 2,421 |
| Retained earnings to average equity (ytd only) | -0.9184% | 5,990 |
| Net charge-offs to loans | 0.0695% | 5,614 |
| Credit loss provision to net charge-offs | 195.6522% | 1,294 |
| Earnings coverage of net charge-offs (x) | 25.0870% | 983 |
| Efficiency ratio | 68.8445% | 4,182 |
| Assets per employee ($millions) | 3.1428% | 5,828 |
| Cash dividends to net income (ytd only)* | 110.1504% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 6,216 |
| Loan loss allowance to noncurrent loans | 53.4805% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 1.4416% | 3,825 |
| Noncurrent loans to loans | 1.8711% | 3,384 |
| Net loans and leases to total assets | 76.2758% | 915 |
| Net loans and leases to deposits | 89.2747% | 1,232 |
| Net loans and leases to core deposits | 90.3645% | 2,072 |
| Total domestic deposits to total assets | 85.4395% | 3,626 |
| Equity capital to assets | 14.4357% | 918 |
| Core capital (leverage) ratio | 14.4733% | 722 |
| Tier 1 risk-based capital ratio | 28.4378% | 592 |
| Total risk-based capital ratio | 29.6914% | 579 |
| Memoranda: | ||
| Average total assets | $41,139,200 | 6,629 |
| Average earning assets | $39,478,000 | 6,551 |
| Average equity | $5,880,000 | 6,190 |
| Average total loans | $33,084,200 | 6,008 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3407% | 1,711 |
| Cost of funding earning assets | 0.7080% | 5,705 |
| Net interest margin | 4.6326% | 888 |
| Noninterest income to average assets | 0.1715% | 6,362 |
| Noninterest expense to average assets | 3.1319% | 3,052 |
| Loan and lease loss provision to assets | 0.0971% | 5,242 |
| Net operating income to assets | 1.3880% | 1,185 |
| Return on assets (ROA) | 1.3880% | 1,258 |
| Pretax return on assets | 1.3880% | 1,972 |
| Return on Equity (ROE) | 9.7352% | 2,302 |
| Retained earnings to average equity (ytd only) | -0.8624% | 6,128 |
| Net charge-offs to loans | 0.0796% | 5,178 |
| Credit loss provision to net charge-offs | 150.0000% | 2,084 |
| Earnings coverage of net charge-offs (x) | 22.9464% | 1,134 |
| Efficiency ratio | 67.8346% | 4,353 |
| Assets per employee ($millions) | 3.1392% | 5,815 |
| Cash dividends to net income (ytd only)* | 108.8568% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 6,522 |
| Loan loss allowance to noncurrent loans | 64.1949% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 1.1566% | 4,474 |
| Noncurrent loans to loans | 1.4406% | 4,131 |
| Net loans and leases to total assets | 79.5418% | 557 |
| Net loans and leases to deposits | 93.3109% | 895 |
| Net loans and leases to core deposits | 94.4430% | 1,749 |
| Total domestic deposits to total assets | 85.2438% | 3,650 |
| Equity capital to assets | 14.4915% | 995 |
| Core capital (leverage) ratio | 14.3683% | 802 |
| Tier 1 risk-based capital ratio | 27.6925% | 684 |
| Total risk-based capital ratio | 28.9521% | 667 |
| Memoranda: | ||
| Average total assets | $41,209,750 | 6,683 |
| Average earning assets | $39,544,750 | 6,608 |
| Average equity | $5,875,500 | 6,229 |
| Average total loans | $33,485,500 | 6,037 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3711% | 1,647 |
| Cost of funding earning assets | 0.7256% | 5,802 |
| Net interest margin | 4.6455% | 829 |
| Noninterest income to average assets | 0.1645% | 6,478 |
| Noninterest expense to average assets | 3.1928% | 2,931 |
| Loan and lease loss provision to assets | 0.0726% | 5,399 |
| Net operating income to assets | 1.3594% | 1,171 |
| Return on assets (ROA) | 1.3594% | 1,242 |
| Pretax return on assets | 1.3594% | 1,923 |
| Return on Equity (ROE) | 9.5861% | 2,279 |
| Retained earnings to average equity (ytd only) | -3.1385% | 6,388 |
| Net charge-offs to loans | 0.1186% | 4,521 |
| Credit loss provision to net charge-offs | 75.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | 14.8000% | 1,454 |
| Efficiency ratio | 69.0377% | 4,326 |
| Assets per employee ($millions) | 2.7675% | 6,522 |
| Cash dividends to net income (ytd only)* | 132.7402% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8666% | 6,736 |
| Loan loss allowance to noncurrent loans | 47.2131% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 1.4695% | 4,011 |
| Noncurrent loans to loans | 1.8356% | 3,700 |
| Net loans and leases to total assets | 79.3602% | 606 |
| Net loans and leases to deposits | 92.6486% | 983 |
| Net loans and leases to core deposits | 93.7454% | 1,928 |
| Total domestic deposits to total assets | 85.6572% | 3,518 |
| Equity capital to assets | 14.1164% | 1,061 |
| Core capital (leverage) ratio | 14.0838% | 854 |
| Tier 1 risk-based capital ratio | 27.0707% | 720 |
| Total risk-based capital ratio | 28.3134% | 708 |
| Memoranda: | ||
| Average total assets | $41,343,000 | 6,736 |
| Average earning assets | $39,694,000 | 6,651 |
| Average equity | $5,862,670 | 6,271 |
| Average total loans | $33,726,000 | 6,092 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3120% | 1,828 |
| Cost of funding earning assets | 0.7675% | 5,767 |
| Net interest margin | 4.5445% | 971 |
| Noninterest income to average assets | 0.1357% | 6,736 |
| Noninterest expense to average assets | 3.4223% | 2,219 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0761% | 1,924 |
| Return on assets (ROA) | 1.0761% | 1,973 |
| Pretax return on assets | 1.0761% | 2,846 |
| Return on Equity (ROE) | 7.5716% | 3,118 |
| Retained earnings to average equity (ytd only) | -12.0055% | 6,939 |
| Net charge-offs to loans | 0.2473% | 3,100 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 5.2857% | 2,306 |
| Efficiency ratio | 76.0776% | 3,154 |
| Assets per employee ($millions) | 2.7533% | 6,620 |
| Cash dividends to net income (ytd only)* | 258.5586% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8024% | 6,913 |
| Loan loss allowance to noncurrent loans | 26.0038% | 6,508 |
| Noncurrent assets plus other real estate owned to assets | 2.5327% | 2,698 |
| Noncurrent loans to loans | 3.0856% | 2,431 |
| Net loans and leases to total assets | 81.4233% | 396 |
| Net loans and leases to deposits | 94.8201% | 761 |
| Net loans and leases to core deposits | 95.9428% | 1,677 |
| Total domestic deposits to total assets | 85.8713% | 3,599 |
| Equity capital to assets | 13.9858% | 1,012 |
| Core capital (leverage) ratio | 14.0307% | 843 |
| Tier 1 risk-based capital ratio | 26.3335% | 754 |
| Total risk-based capital ratio | 27.5736% | 742 |
| Memoranda: | ||
| Average total assets | $41,258,500 | 6,788 |
| Average earning assets | $39,608,500 | 6,698 |
| Average equity | $5,864,000 | 6,290 |
| Average total loans | $33,973,000 | 6,125 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6267% | 1,804 |
| Cost of funding earning assets | 1.2520% | 4,200 |
| Net interest margin | 4.3746% | 1,574 |
| Noninterest income to average assets | 0.1449% | 6,666 |
| Noninterest expense to average assets | 2.8049% | 4,591 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.5390% | 704 |
| Return on assets (ROA) | 1.3324% | 1,172 |
| Pretax return on assets | 1.3324% | 1,852 |
| Return on Equity (ROE) | 9.2825% | 2,181 |
| Retained earnings to average equity (ytd only) | -1.3899% | 5,871 |
| Net charge-offs to loans | 0.0604% | 6,187 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 30.8571% | 713 |
| Efficiency ratio | 64.5708% | 5,249 |
| Assets per employee ($millions) | 2.7479% | 6,612 |
| Cash dividends to net income (ytd only)* | 114.9733% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 6,828 |
| Loan loss allowance to noncurrent loans | 46.3608% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 1.5333% | 4,015 |
| Noncurrent loans to loans | 1.8563% | 3,743 |
| Net loans and leases to total assets | 81.8914% | 460 |
| Net loans and leases to deposits | 95.8077% | 884 |
| Net loans and leases to core deposits | 96.9469% | 1,900 |
| Total domestic deposits to total assets | 85.4748% | 3,615 |
| Equity capital to assets | 14.4403% | 917 |
| Core capital (leverage) ratio | 14.1368% | 820 |
| Tier 1 risk-based capital ratio | 27.1014% | 668 |
| Total risk-based capital ratio | 28.3535% | 659 |
| Memoranda: | ||
| Average total assets | $42,104,800 | 6,795 |
| Average earning assets | $40,414,800 | 6,696 |
| Average equity | $6,043,600 | 6,345 |
| Average total loans | $34,787,200 | 6,162 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6924% | 1,742 |
| Cost of funding earning assets | 1.3222% | 4,093 |
| Net interest margin | 4.3702% | 1,615 |
| Noninterest income to average assets | 0.1449% | 6,820 |
| Noninterest expense to average assets | 2.7878% | 4,544 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5530% | 822 |
| Return on assets (ROA) | 1.2789% | 1,468 |
| Pretax return on assets | 1.2789% | 2,234 |
| Return on Equity (ROE) | 8.9231% | 2,517 |
| Retained earnings to average equity (ytd only) | 0.7912% | 5,491 |
| Net charge-offs to loans | 0.1144% | 5,393 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 16.4330% | 1,381 |
| Efficiency ratio | 64.2235% | 5,205 |
| Assets per employee ($millions) | 2.8129% | 6,559 |
| Cash dividends to net income (ytd only)* | 91.1328% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8156% | 6,972 |
| Loan loss allowance to noncurrent loans | 184.4156% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 6,453 |
| Noncurrent loans to loans | 0.4422% | 6,310 |
| Net loans and leases to total assets | 81.8576% | 513 |
| Net loans and leases to deposits | 95.8698% | 994 |
| Net loans and leases to core deposits | 99.2899% | 1,918 |
| Total domestic deposits to total assets | 85.3842% | 3,415 |
| Equity capital to assets | 14.3907% | 1,053 |
| Core capital (leverage) ratio | 14.3187% | 855 |
| Tier 1 risk-based capital ratio | 26.9891% | 696 |
| Total risk-based capital ratio | 28.2514% | 679 |
| Memoranda: | ||
| Average total assets | $42,326,500 | 6,874 |
| Average earning assets | $40,637,750 | 6,772 |
| Average equity | $6,066,500 | 6,429 |
| Average total loans | $34,972,250 | 6,239 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7323% | 1,640 |
| Cost of funding earning assets | 1.3667% | 4,080 |
| Net interest margin | 4.3656% | 1,548 |
| Noninterest income to average assets | 0.1416% | 6,874 |
| Noninterest expense to average assets | 2.8085% | 4,447 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5246% | 866 |
| Return on assets (ROA) | 1.5246% | 925 |
| Pretax return on assets | 1.5246% | 1,491 |
| Return on Equity (ROE) | 10.6519% | 1,874 |
| Retained earnings to average equity (ytd only) | 1.4180% | 5,164 |
| Net charge-offs to loans | 0.1713% | 4,588 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 10.7667% | 1,845 |
| Efficiency ratio | 64.8148% | 5,183 |
| Assets per employee ($millions) | 2.8487% | 6,454 |
| Cash dividends to net income (ytd only)* | 86.6873% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8194% | 6,992 |
| Loan loss allowance to noncurrent loans | 175.3086% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 6,443 |
| Noncurrent loans to loans | 0.4674% | 6,318 |
| Net loans and leases to total assets | 80.4451% | 734 |
| Net loans and leases to deposits | 94.0235% | 1,272 |
| Net loans and leases to core deposits | 98.0322% | 2,226 |
| Total domestic deposits to total assets | 85.5585% | 3,339 |
| Equity capital to assets | 14.2262% | 1,096 |
| Core capital (leverage) ratio | 14.2046% | 873 |
| Tier 1 risk-based capital ratio | 27.0767% | 691 |
| Total risk-based capital ratio | 28.3284% | 679 |
| Memoranda: | ||
| Average total assets | $42,370,670 | 6,923 |
| Average earning assets | $40,682,000 | 6,822 |
| Average equity | $6,064,670 | 6,452 |
| Average total loans | $35,022,000 | 6,287 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7970% | 1,470 |
| Cost of funding earning assets | 1.4320% | 3,975 |
| Net interest margin | 4.3650% | 1,488 |
| Noninterest income to average assets | 0.1422% | 6,959 |
| Noninterest expense to average assets | 2.8537% | 4,258 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4790% | 926 |
| Return on assets (ROA) | 1.4790% | 995 |
| Pretax return on assets | 1.4790% | 1,573 |
| Return on Equity (ROE) | 10.3013% | 2,006 |
| Retained earnings to average equity (ytd only) | 2.8395% | 4,426 |
| Net charge-offs to loans | 0.1704% | 3,902 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 10.4000% | 1,746 |
| Efficiency ratio | 65.8643% | 5,148 |
| Assets per employee ($millions) | 2.8227% | 6,587 |
| Cash dividends to net income (ytd only)* | 72.4359% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8517% | 6,988 |
| Loan loss allowance to noncurrent loans | 231.7829% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.5125% | 6,214 |
| Noncurrent loans to loans | 0.3675% | 6,566 |
| Net loans and leases to total assets | 82.2064% | 569 |
| Net loans and leases to deposits | 96.1785% | 1,083 |
| Net loans and leases to core deposits | 100.2997% | 2,100 |
| Total domestic deposits to total assets | 85.4727% | 3,429 |
| Equity capital to assets | 14.3572% | 1,048 |
| Core capital (leverage) ratio | 14.4076% | 878 |
| Tier 1 risk-based capital ratio | 26.9352% | 712 |
| Total risk-based capital ratio | 28.1847% | 696 |
| Memoranda: | ||
| Average total assets | $42,190,500 | 7,010 |
| Average earning assets | $40,504,000 | 6,912 |
| Average equity | $6,057,500 | 6,499 |
| Average total loans | $35,203,500 | 6,357 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1218% | 1,458 |
| Cost of funding earning assets | 1.9212% | 3,349 |
| Net interest margin | 4.2006% | 2,055 |
| Noninterest income to average assets | 0.1855% | 6,763 |
| Noninterest expense to average assets | 2.8764% | 4,628 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.3491% | 945 |
| Return on assets (ROA) | 1.3491% | 991 |
| Pretax return on assets | 1.3491% | 1,560 |
| Return on Equity (ROE) | 9.4165% | 1,882 |
| Retained earnings to average equity (ytd only) | 1.0762% | 4,288 |
| Net charge-offs to loans | 0.0456% | 6,649 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 674 |
| Efficiency ratio | 68.0730% | 4,992 |
| Assets per employee ($millions) | 2.8027% | 6,652 |
| Cash dividends to net income (ytd only)* | 88.5714% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8895% | 6,863 |
| Loan loss allowance to noncurrent loans | 261.6667% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 6,125 |
| Noncurrent loans to loans | 0.3399% | 6,599 |
| Net loans and leases to total assets | 83.2231% | 519 |
| Net loans and leases to deposits | 97.2645% | 1,182 |
| Net loans and leases to core deposits | 127.2393% | 1,433 |
| Total domestic deposits to total assets | 85.5637% | 3,248 |
| Equity capital to assets | 14.3578% | 1,058 |
| Core capital (leverage) ratio | 14.2553% | 938 |
| Tier 1 risk-based capital ratio | 26.0847% | 757 |
| Total risk-based capital ratio | 27.3379% | 741 |
| Memoranda: | ||
| Average total assets | $41,510,000 | 7,034 |
| Average earning assets | $39,923,200 | 6,941 |
| Average equity | $5,947,000 | 6,622 |
| Average total loans | $35,094,800 | 6,353 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1024% | 1,646 |
| Cost of funding earning assets | 2.0096% | 3,307 |
| Net interest margin | 4.0928% | 2,428 |
| Noninterest income to average assets | 0.1901% | 6,857 |
| Noninterest expense to average assets | 2.8485% | 4,679 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2792% | 1,269 |
| Return on assets (ROA) | 1.2792% | 1,342 |
| Pretax return on assets | 1.2792% | 2,011 |
| Return on Equity (ROE) | 8.9340% | 2,282 |
| Retained earnings to average equity (ytd only) | -0.1575% | 5,249 |
| Net charge-offs to loans | 0.0609% | 6,096 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 24.8158% | 1,079 |
| Efficiency ratio | 69.0086% | 4,780 |
| Assets per employee ($millions) | 2.8328% | 6,577 |
| Cash dividends to net income (ytd only)* | 101.7626% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 6,794 |
| Loan loss allowance to noncurrent loans | 52.5084% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 1.8733% | 3,550 |
| Noncurrent loans to loans | 1.6973% | 4,094 |
| Net loans and leases to total assets | 82.1778% | 777 |
| Net loans and leases to deposits | 95.8918% | 1,591 |
| Net loans and leases to core deposits | 124.9472% | 1,821 |
| Total domestic deposits to total assets | 85.6985% | 2,867 |
| Equity capital to assets | 14.0379% | 1,293 |
| Core capital (leverage) ratio | 14.0551% | 1,077 |
| Tier 1 risk-based capital ratio | 25.6846% | 841 |
| Total risk-based capital ratio | 26.9377% | 822 |
| Memoranda: | ||
| Average total assets | $41,377,500 | 7,092 |
| Average earning assets | $39,808,750 | 7,003 |
| Average equity | $5,924,750 | 6,688 |
| Average total loans | $35,043,250 | 6,399 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1680% | 1,566 |
| Cost of funding earning assets | 2.0932% | 3,303 |
| Net interest margin | 4.0748% | 2,421 |
| Noninterest income to average assets | 0.1805% | 7,006 |
| Noninterest expense to average assets | 2.8971% | 4,513 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2047% | 1,458 |
| Return on assets (ROA) | 1.2047% | 1,547 |
| Pretax return on assets | 1.2047% | 2,291 |
| Return on Equity (ROE) | 8.3568% | 2,627 |
| Retained earnings to average equity (ytd only) | -2.1992% | 5,786 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6302% | 4,647 |
| Assets per employee ($millions) | 2.9861% | 6,170 |
| Cash dividends to net income (ytd only)* | 126.3158% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 6,538 |
| Loan loss allowance to noncurrent loans | 75.6881% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.5548% | 3,893 |
| Noncurrent loans to loans | 1.2586% | 4,682 |
| Net loans and leases to total assets | 82.0739% | 944 |
| Net loans and leases to deposits | 95.9453% | 1,806 |
| Net loans and leases to core deposits | 125.1359% | 1,938 |
| Total domestic deposits to total assets | 85.5424% | 2,997 |
| Equity capital to assets | 14.1299% | 1,263 |
| Core capital (leverage) ratio | 14.2077% | 1,093 |
| Tier 1 risk-based capital ratio | 26.1014% | 854 |
| Total risk-based capital ratio | 27.3519% | 825 |
| Memoranda: | ||
| Average total assets | $41,006,000 | 7,167 |
| Average earning assets | $39,461,670 | 7,075 |
| Average equity | $5,911,330 | 6,754 |
| Average total loans | $34,980,000 | 6,457 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2571% | 1,420 |
| Cost of funding earning assets | 2.1777% | 3,274 |
| Net interest margin | 4.0794% | 2,359 |
| Noninterest income to average assets | 0.1970% | 6,883 |
| Noninterest expense to average assets | 2.8961% | 4,168 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2313% | 1,558 |
| Return on assets (ROA) | 1.2313% | 1,669 |
| Pretax return on assets | 1.2313% | 2,516 |
| Return on Equity (ROE) | 8.4552% | 2,939 |
| Retained earnings to average equity (ytd only) | -7.9141% | 6,908 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1671% | 4,542 |
| Assets per employee ($millions) | 2.9251% | 6,358 |
| Cash dividends to net income (ytd only)* | 193.6000% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9468% | 6,516 |
| Loan loss allowance to noncurrent loans | 95.1009% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.0818% | 4,522 |
| Noncurrent loans to loans | 0.9956% | 5,003 |
| Net loans and leases to total assets | 84.3056% | 643 |
| Net loans and leases to deposits | 98.6146% | 1,582 |
| Net loans and leases to core deposits | 128.7921% | 1,727 |
| Total domestic deposits to total assets | 85.4900% | 2,975 |
| Equity capital to assets | 14.2976% | 1,281 |
| Core capital (leverage) ratio | 14.3889% | 1,109 |
| Tier 1 risk-based capital ratio | 25.9553% | 898 |
| Total risk-based capital ratio | 27.2099% | 878 |
| Memoranda: | ||
| Average total assets | $40,606,500 | 7,224 |
| Average earning assets | $39,123,500 | 7,121 |
| Average equity | $5,913,500 | 6,806 |
| Average total loans | $35,149,500 | 6,483 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6541% | 2,228 |
| Cost of funding earning assets | 2.6181% | 3,587 |
| Net interest margin | 4.0361% | 2,953 |
| Noninterest income to average assets | 0.1582% | 7,292 |
| Noninterest expense to average assets | 2.7138% | 5,205 |
| Loan and lease loss provision to assets | 0.0989% | 6,116 |
| Net operating income to assets | 1.2358% | 1,665 |
| Return on assets (ROA) | 1.2358% | 1,610 |
| Pretax return on assets | 1.2358% | 2,526 |
| Return on Equity (ROE) | 8.3353% | 2,925 |
| Retained earnings to average equity (ytd only) | -1.8504% | 5,828 |
| Net charge-offs to loans | -0.0028% | 7,755 |
| Credit loss provision to net charge-offs | -4,000.0000% | 7,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0330% | 4,905 |
| Assets per employee ($millions) | 2.8759% | 6,382 |
| Cash dividends to net income (ytd only)* | 122.2000% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9310% | 6,501 |
| Loan loss allowance to noncurrent loans | 91.9220% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 0.8917% | 4,625 |
| Noncurrent loans to loans | 1.0128% | 4,557 |
| Net loans and leases to total assets | 87.2162% | 449 |
| Net loans and leases to deposits | 102.5855% | 1,520 |
| Net loans and leases to core deposits | 132.8554% | 1,667 |
| Total domestic deposits to total assets | 85.0181% | 2,832 |
| Equity capital to assets | 14.8328% | 1,204 |
| Core capital (leverage) ratio | 14.6772% | 1,096 |
| Tier 1 risk-based capital ratio | 26.5222% | 861 |
| Total risk-based capital ratio | 27.7746% | 842 |
| Memoranda: | ||
| Average total assets | $40,460,400 | 7,194 |
| Average earning assets | $38,998,400 | 7,084 |
| Average equity | $5,998,600 | 6,807 |
| Average total loans | $35,928,200 | 6,371 |