Home > State Bank of Cherry > Performance and Condition Ratios
State Bank of Cherry, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5633% | 1,952 |
| Cost of funding earning assets | 1.7228% | 2,670 |
| Net interest margin | 3.8405% | 1,602 |
| Noninterest income to average assets | 0.4000% | 2,235 |
| Noninterest expense to average assets | 2.2429% | 3,002 |
| Loan and lease loss provision to assets | 0.0700% | 1,663 |
| Net operating income to assets | 1.7142% | 733 |
| Return on assets (ROA) | 1.6557% | 806 |
| Pretax return on assets | 1.6775% | 1,150 |
| Return on Equity (ROE) | 14.7500% | 1,124 |
| Retained earnings to average equity (ytd only) | 9.2991% | 1,365 |
| 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 | 55.3257% | 3,487 |
| Assets per employee ($millions) | 10.7560% | 631 |
| Cash dividends to net income (ytd only)* | 36.9606% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9030% | 452 |
| Loan loss allowance to noncurrent loans | 67.8317% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 2.1724% | 184 |
| Noncurrent loans to loans | 2.8054% | 258 |
| Net loans and leases to total assets | 75.9600% | 1,091 |
| Net loans and leases to deposits | 93.4529% | 805 |
| Net loans and leases to core deposits | 107.5053% | 962 |
| Total domestic deposits to total assets | 81.2800% | 3,439 |
| Equity capital to assets | 11.4115% | 1,457 |
| Core capital (leverage) ratio | 12.1373% | 1,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $128,764,000 | 3,552 |
| Average earning assets | $122,588,500 | 3,522 |
| Average equity | $14,453,000 | 3,422 |
| Average total loans | $100,546,000 | 3,216 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3184% | 2,495 |
| Cost of funding earning assets | 1.6183% | 3,142 |
| Net interest margin | 3.7002% | 1,687 |
| Noninterest income to average assets | 0.2100% | 3,644 |
| Noninterest expense to average assets | 1.9623% | 3,673 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 1.7247% | 627 |
| Return on assets (ROA) | 1.7080% | 641 |
| Pretax return on assets | 1.7248% | 931 |
| Return on Equity (ROE) | 15.0500% | 924 |
| Retained earnings to average equity (ytd only) | 9.0995% | 769 |
| Net charge-offs to loans | 0.2059% | 685 |
| Credit loss provision to net charge-offs | 13.6585% | 2,489 |
| Earnings coverage of net charge-offs (x) | 10.8049% | 2,248 |
| Efficiency ratio | 52.4780% | 3,852 |
| Assets per employee ($millions) | 10.7047% | 626 |
| Cash dividends to net income (ytd only)* | 39.5491% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8568% | 483 |
| Loan loss allowance to noncurrent loans | 60.6589% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 2.4102% | 133 |
| Noncurrent loans to loans | 3.0610% | 177 |
| Net loans and leases to total assets | 77.2800% | 981 |
| Net loans and leases to deposits | 97.2843% | 631 |
| Net loans and leases to core deposits | 113.7929% | 789 |
| Total domestic deposits to total assets | 79.4300% | 3,620 |
| Equity capital to assets | 11.0365% | 1,569 |
| Core capital (leverage) ratio | 12.2416% | 1,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $124,650,400 | 3,585 |
| Average earning assets | $118,832,000 | 3,530 |
| Average equity | $14,143,600 | 3,403 |
| Average total loans | $99,568,400 | 3,210 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3007% | 2,452 |
| Cost of funding earning assets | 1.6024% | 3,164 |
| Net interest margin | 3.6983% | 1,642 |
| Noninterest income to average assets | 0.2200% | 3,570 |
| Noninterest expense to average assets | 1.9983% | 3,574 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.7049% | 688 |
| Return on assets (ROA) | 1.6825% | 716 |
| Pretax return on assets | 1.7009% | 1,014 |
| Return on Equity (ROE) | 14.7200% | 997 |
| Retained earnings to average equity (ytd only) | 9.9324% | 872 |
| Net charge-offs to loans | 0.2433% | 510 |
| Credit loss provision to net charge-offs | 15.4696% | 2,204 |
| Earnings coverage of net charge-offs (x) | 8.9890% | 2,187 |
| Efficiency ratio | 53.2606% | 3,792 |
| Assets per employee ($millions) | 10.3301% | 697 |
| Cash dividends to net income (ytd only)* | 32.5432% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9655% | 415 |
| Loan loss allowance to noncurrent loans | 166.4042% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.9221% | 734 |
| Noncurrent loans to loans | 1.1811% | 841 |
| Net loans and leases to total assets | 76.5300% | 1,053 |
| Net loans and leases to deposits | 93.0964% | 951 |
| Net loans and leases to core deposits | 109.9344% | 936 |
| Total domestic deposits to total assets | 82.2100% | 3,057 |
| Equity capital to assets | 11.8787% | 1,328 |
| Core capital (leverage) ratio | 12.2079% | 1,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $123,699,000 | 3,594 |
| Average earning assets | $118,070,000 | 3,548 |
| Average equity | $14,135,250 | 3,406 |
| Average total loans | $99,174,750 | 3,221 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1860% | 2,584 |
| Cost of funding earning assets | 1.5812% | 3,118 |
| Net interest margin | 3.6048% | 1,777 |
| Noninterest income to average assets | 0.2300% | 3,492 |
| Noninterest expense to average assets | 1.9270% | 3,703 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 1.6775% | 708 |
| Return on assets (ROA) | 1.6439% | 744 |
| Pretax return on assets | 1.6649% | 1,035 |
| Return on Equity (ROE) | 14.5800% | 1,057 |
| Retained earnings to average equity (ytd only) | 9.6566% | 963 |
| Net charge-offs to loans | 0.0480% | 1,315 |
| Credit loss provision to net charge-offs | 116.6667% | 1,368 |
| Earnings coverage of net charge-offs (x) | 44.9167% | 1,189 |
| Efficiency ratio | 52.4901% | 3,864 |
| Assets per employee ($millions) | 10.1402% | 700 |
| Cash dividends to net income (ytd only)* | 33.7598% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0924% | 343 |
| Loan loss allowance to noncurrent loans | 263.1714% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.6427% | 1,056 |
| Noncurrent loans to loans | 0.7951% | 1,172 |
| Net loans and leases to total assets | 79.1400% | 780 |
| Net loans and leases to deposits | 92.1996% | 1,104 |
| Net loans and leases to core deposits | 107.9188% | 1,048 |
| Total domestic deposits to total assets | 85.8300% | 2,030 |
| Equity capital to assets | 11.3698% | 1,401 |
| Core capital (leverage) ratio | 12.0156% | 1,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $123,611,667 | 3,606 |
| Average earning assets | $118,010,333 | 3,559 |
| Average equity | $13,938,667 | 3,405 |
| Average total loans | $99,976,000 | 3,216 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2174% | 2,367 |
| Cost of funding earning assets | 1.5790% | 3,026 |
| Net interest margin | 3.6384% | 1,662 |
| Noninterest income to average assets | 0.1900% | 3,706 |
| Noninterest expense to average assets | 1.9041% | 3,772 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 1.7165% | 646 |
| Return on assets (ROA) | 1.6504% | 726 |
| Pretax return on assets | 1.6761% | 995 |
| Return on Equity (ROE) | 14.7000% | 1,035 |
| Retained earnings to average equity (ytd only) | 9.2920% | 1,254 |
| Net charge-offs to loans | 0.0079% | 1,800 |
| Credit loss provision to net charge-offs | 350.0000% | 609 |
| Earnings coverage of net charge-offs (x) | 275.0000% | 331 |
| Efficiency ratio | 51.8810% | 3,913 |
| Assets per employee ($millions) | 10.1707% | 701 |
| Cash dividends to net income (ytd only)* | 36.7704% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0833% | 336 |
| Loan loss allowance to noncurrent loans | 250.4866% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.6735% | 933 |
| Noncurrent loans to loans | 0.8317% | 1,061 |
| Net loans and leases to total assets | 79.2900% | 694 |
| Net loans and leases to deposits | 92.5439% | 989 |
| Net loans and leases to core deposits | 108.8081% | 991 |
| Total domestic deposits to total assets | 85.6800% | 2,197 |
| Equity capital to assets | 11.5397% | 1,290 |
| Core capital (leverage) ratio | 12.0902% | 1,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $124,576,500 | 3,612 |
| Average earning assets | $119,063,000 | 3,556 |
| Average equity | $13,990,500 | 3,404 |
| Average total loans | $100,786,500 | 3,211 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8600% | 2,362 |
| Cost of funding earning assets | 1.1142% | 3,029 |
| Net interest margin | 3.7458% | 1,657 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.8133% | 3,985 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.7753% | 636 |
| Return on assets (ROA) | 1.6415% | 778 |
| Pretax return on assets | 1.6660% | 1,128 |
| Return on Equity (ROE) | 15.1700% | 1,254 |
| Retained earnings to average equity (ytd only) | 8.3430% | 1,446 |
| Net charge-offs to loans | -0.0073% | 3,929 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 47.9028% | 4,095 |
| Assets per employee ($millions) | 10.5921% | 602 |
| Cash dividends to net income (ytd only)* | 44.9901% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0002% | 370 |
| Loan loss allowance to noncurrent loans | 278.4553% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.5806% | 953 |
| Noncurrent loans to loans | 0.7183% | 1,088 |
| Net loans and leases to total assets | 79.2100% | 739 |
| Net loans and leases to deposits | 95.7801% | 805 |
| Net loans and leases to core deposits | 112.5766% | 865 |
| Total domestic deposits to total assets | 82.7000% | 2,961 |
| Equity capital to assets | 10.9335% | 1,504 |
| Core capital (leverage) ratio | 11.9452% | 1,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $122,812,800 | 3,624 |
| Average earning assets | $117,839,600 | 3,567 |
| Average equity | $13,292,600 | 3,397 |
| Average total loans | $96,517,800 | 3,213 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6632% | 2,548 |
| Cost of funding earning assets | 1.0492% | 2,892 |
| Net interest margin | 3.6140% | 1,965 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 1.8421% | 3,895 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 1.5623% | 1,000 |
| Return on assets (ROA) | 1.5366% | 1,036 |
| Pretax return on assets | 1.5618% | 1,433 |
| Return on Equity (ROE) | 14.2300% | 1,597 |
| Retained earnings to average equity (ytd only) | 8.4514% | 1,826 |
| Net charge-offs to loans | -0.0056% | 3,777 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.3291% | 3,889 |
| Assets per employee ($millions) | 9.9156% | 687 |
| Cash dividends to net income (ytd only)* | 40.6272% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2891% | 258 |
| Loan loss allowance to noncurrent loans | 101.7353% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 1.6951% | 198 |
| Noncurrent loans to loans | 2.2500% | 235 |
| Net loans and leases to total assets | 73.6100% | 1,386 |
| Net loans and leases to deposits | 83.5672% | 1,775 |
| Net loans and leases to core deposits | 98.2259% | 1,433 |
| Total domestic deposits to total assets | 88.0900% | 1,536 |
| Equity capital to assets | 10.8777% | 1,394 |
| Core capital (leverage) ratio | 11.7616% | 1,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $121,739,750 | 3,643 |
| Average earning assets | $116,913,250 | 3,588 |
| Average equity | $13,141,500 | 3,408 |
| Average total loans | $94,962,500 | 3,232 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4595% | 2,744 |
| Cost of funding earning assets | 0.9678% | 2,709 |
| Net interest margin | 3.4916% | 2,286 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.8116% | 3,976 |
| Loan and lease loss provision to assets | 0.3400% | 263 |
| Net operating income to assets | 1.3852% | 1,367 |
| Return on assets (ROA) | 1.3468% | 1,450 |
| Pretax return on assets | 1.3713% | 1,886 |
| Return on Equity (ROE) | 12.5100% | 2,006 |
| Retained earnings to average equity (ytd only) | 6.3902% | 2,481 |
| Net charge-offs to loans | -0.0062% | 3,767 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.8234% | 3,861 |
| Assets per employee ($millions) | 10.3871% | 593 |
| Cash dividends to net income (ytd only)* | 48.9104% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1839% | 314 |
| Loan loss allowance to noncurrent loans | 102.1923% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.6102% | 213 |
| Noncurrent loans to loans | 2.1371% | 247 |
| Net loans and leases to total assets | 73.7000% | 1,330 |
| Net loans and leases to deposits | 83.2273% | 1,744 |
| Net loans and leases to core deposits | 97.4705% | 1,385 |
| Total domestic deposits to total assets | 88.5500% | 1,398 |
| Equity capital to assets | 10.5283% | 1,587 |
| Core capital (leverage) ratio | 11.1074% | 1,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $122,657,333 | 3,651 |
| Average earning assets | $117,996,333 | 3,592 |
| Average equity | $13,207,667 | 3,416 |
| Average total loans | $96,735,667 | 3,210 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2697% | 2,877 |
| Cost of funding earning assets | 0.8895% | 2,406 |
| Net interest margin | 3.3802% | 2,687 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 1.7853% | 4,057 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 1.4812% | 1,220 |
| Return on assets (ROA) | 1.4039% | 1,373 |
| Pretax return on assets | 1.4302% | 1,812 |
| Return on Equity (ROE) | 12.8900% | 2,005 |
| Retained earnings to average equity (ytd only) | 6.8830% | 2,524 |
| Net charge-offs to loans | -0.0041% | 3,583 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.1299% | 3,844 |
| Assets per employee ($millions) | 10.4201% | 605 |
| Cash dividends to net income (ytd only)* | 46.6042% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0012% | 438 |
| Loan loss allowance to noncurrent loans | 60.3240% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 2.5176% | 76 |
| Noncurrent loans to loans | 3.3174% | 126 |
| Net loans and leases to total assets | 74.3700% | 1,152 |
| Net loans and leases to deposits | 83.9154% | 1,505 |
| Net loans and leases to core deposits | 97.3250% | 1,213 |
| Total domestic deposits to total assets | 88.6300% | 1,692 |
| Equity capital to assets | 10.5221% | 1,553 |
| Core capital (leverage) ratio | 10.8483% | 1,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $121,663,500 | 3,706 |
| Average earning assets | $116,917,000 | 3,648 |
| Average equity | $13,250,000 | 3,455 |
| Average total loans | $98,146,500 | 3,230 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7587% | 2,380 |
| Cost of funding earning assets | 0.5060% | 1,346 |
| Net interest margin | 3.2527% | 2,698 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.6890% | 4,199 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.4675% | 964 |
| Return on assets (ROA) | 1.4415% | 986 |
| Pretax return on assets | 1.4740% | 1,528 |
| Return on Equity (ROE) | 12.6800% | 1,912 |
| Retained earnings to average equity (ytd only) | 6.0282% | 2,638 |
| Net charge-offs to loans | -0.0010% | 3,359 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.1142% | 3,969 |
| Assets per employee ($millions) | 9.8572% | 705 |
| Cash dividends to net income (ytd only)* | 52.4658% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 1,801 |
| Loan loss allowance to noncurrent loans | 343.5897% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 1,532 |
| Noncurrent loans to loans | 0.3846% | 1,766 |
| Net loans and leases to total assets | 84.5900% | 218 |
| Net loans and leases to deposits | 97.3715% | 560 |
| Net loans and leases to core deposits | 113.0815% | 510 |
| Total domestic deposits to total assets | 86.8700% | 2,433 |
| Equity capital to assets | 11.2803% | 1,153 |
| Core capital (leverage) ratio | 11.9183% | 1,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $116,754,800 | 3,758 |
| Average earning assets | $110,276,800 | 3,721 |
| Average equity | $13,271,000 | 3,546 |
| Average total loans | $96,853,800 | 3,199 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6680% | 2,141 |
| Cost of funding earning assets | 0.4676% | 892 |
| Net interest margin | 3.2004% | 2,621 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.6899% | 4,168 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.2995% | 1,355 |
| Return on assets (ROA) | 1.2672% | 1,429 |
| Pretax return on assets | 1.3875% | 1,752 |
| Return on Equity (ROE) | 11.1300% | 2,328 |
| Retained earnings to average equity (ytd only) | 6.3179% | 2,626 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.1149% | 3,908 |
| Assets per employee ($millions) | 9.5386% | 750 |
| Cash dividends to net income (ytd only)* | 43.2188% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 1,739 |
| Loan loss allowance to noncurrent loans | 321.1031% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 1,483 |
| Noncurrent loans to loans | 0.4249% | 1,749 |
| Net loans and leases to total assets | 84.5600% | 208 |
| Net loans and leases to deposits | 96.4188% | 538 |
| Net loans and leases to core deposits | 105.8322% | 591 |
| Total domestic deposits to total assets | 87.7000% | 2,521 |
| Equity capital to assets | 11.3154% | 1,064 |
| Core capital (leverage) ratio | 11.9305% | 1,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $116,372,000 | 3,791 |
| Average earning assets | $109,484,250 | 3,756 |
| Average equity | $13,253,000 | 3,590 |
| Average total loans | $95,717,500 | 3,227 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 1,897 |
| Cost of funding earning assets | 0.4599% | 655 |
| Net interest margin | 3.1225% | 2,465 |
| Noninterest income to average assets | 0.1692% | 4,165 |
| Noninterest expense to average assets | 1.6580% | 4,201 |
| Loan and lease loss provision to assets | 0.0872% | 1,129 |
| Net operating income to assets | 1.2187% | 1,368 |
| Return on assets (ROA) | 1.2187% | 1,356 |
| Pretax return on assets | 1.3367% | 1,624 |
| Return on Equity (ROE) | 10.6790% | 2,100 |
| Retained earnings to average equity (ytd only) | 5.8263% | 2,394 |
| Net charge-offs to loans | 0.0021% | 2,027 |
| Credit loss provision to net charge-offs | 5,100.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 833.0000% | 163 |
| Efficiency ratio | 53.7992% | 3,985 |
| Assets per employee ($millions) | 9.6099% | 733 |
| Cash dividends to net income (ytd only)* | 45.4418% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 1,702 |
| Loan loss allowance to noncurrent loans | 317.9426% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3625% | 1,544 |
| Noncurrent loans to loans | 0.4442% | 1,792 |
| Net loans and leases to total assets | 80.4560% | 373 |
| Net loans and leases to deposits | 91.7307% | 623 |
| Net loans and leases to core deposits | 99.4405% | 693 |
| Total domestic deposits to total assets | 87.7089% | 2,691 |
| Equity capital to assets | 11.3459% | 1,081 |
| Core capital (leverage) ratio | 11.5337% | 1,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,008,333 | 3,823 |
| Average earning assets | $109,142,667 | 3,813 |
| Average equity | $13,353,333 | 3,648 |
| Average total loans | $94,913,333 | 3,253 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4351% | 1,987 |
| Cost of funding earning assets | 0.4621% | 608 |
| Net interest margin | 2.9729% | 2,591 |
| Noninterest income to average assets | 0.2206% | 3,832 |
| Noninterest expense to average assets | 1.5986% | 4,301 |
| Loan and lease loss provision to assets | 0.0882% | 938 |
| Net operating income to assets | 1.1981% | 1,251 |
| Return on assets (ROA) | 1.1981% | 1,243 |
| Pretax return on assets | 1.3067% | 1,485 |
| Return on Equity (ROE) | 10.4686% | 1,806 |
| Retained earnings to average equity (ytd only) | 5.4864% | 2,417 |
| Net charge-offs to loans | -0.0042% | 3,290 |
| Credit loss provision to net charge-offs | -2,600.0000% | 3,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4014% | 4,094 |
| Assets per employee ($millions) | 10.7337% | 551 |
| Cash dividends to net income (ytd only)* | 47.5921% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 1,925 |
| Loan loss allowance to noncurrent loans | 330.6329% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 1,770 |
| Noncurrent loans to loans | 0.4216% | 1,977 |
| Net loans and leases to total assets | 78.2487% | 362 |
| Net loans and leases to deposits | 89.0153% | 560 |
| Net loans and leases to core deposits | 96.2636% | 642 |
| Total domestic deposits to total assets | 87.9047% | 2,570 |
| Equity capital to assets | 11.2009% | 1,237 |
| Core capital (leverage) ratio | 11.1964% | 1,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,853,000 | 3,840 |
| Average earning assets | $109,925,000 | 3,823 |
| Average equity | $13,488,000 | 3,706 |
| Average total loans | $95,315,000 | 3,258 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9090% | 1,584 |
| Cost of funding earning assets | 0.4616% | 1,118 |
| Net interest margin | 3.4473% | 1,885 |
| Noninterest income to average assets | 0.1663% | 4,326 |
| Noninterest expense to average assets | 1.9234% | 3,869 |
| Loan and lease loss provision to assets | 0.1902% | 582 |
| Net operating income to assets | 1.1997% | 1,924 |
| Return on assets (ROA) | 1.1997% | 1,974 |
| Pretax return on assets | 1.3032% | 2,348 |
| Return on Equity (ROE) | 9.9288% | 2,547 |
| Retained earnings to average equity (ytd only) | 4.1956% | 3,143 |
| Net charge-offs to loans | 0.0056% | 2,382 |
| Credit loss provision to net charge-offs | 4,300.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 337.6000% | 370 |
| Efficiency ratio | 56.2921% | 3,670 |
| Assets per employee ($millions) | 10.6941% | 551 |
| Cash dividends to net income (ytd only)* | 57.7434% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 2,273 |
| Loan loss allowance to noncurrent loans | 256.8273% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 1,549 |
| Noncurrent loans to loans | 0.5137% | 1,837 |
| Net loans and leases to total assets | 81.3159% | 209 |
| Net loans and leases to deposits | 93.0126% | 416 |
| Net loans and leases to core deposits | 100.6534% | 512 |
| Total domestic deposits to total assets | 87.4247% | 2,323 |
| Equity capital to assets | 11.6895% | 1,400 |
| Core capital (leverage) ratio | 11.3165% | 1,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,027,800 | 3,868 |
| Average earning assets | $106,575,000 | 3,839 |
| Average equity | $13,657,200 | 3,774 |
| Average total loans | $89,090,200 | 3,350 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 1,481 |
| Cost of funding earning assets | 0.4751% | 1,183 |
| Net interest margin | 3.5499% | 1,732 |
| Noninterest income to average assets | 0.1609% | 4,398 |
| Noninterest expense to average assets | 2.0153% | 3,620 |
| Loan and lease loss provision to assets | 0.1850% | 572 |
| Net operating income to assets | 1.2645% | 1,941 |
| Return on assets (ROA) | 1.2645% | 1,998 |
| Pretax return on assets | 1.3002% | 2,626 |
| Return on Equity (ROE) | 10.3760% | 2,599 |
| Retained earnings to average equity (ytd only) | 5.5351% | 3,030 |
| Net charge-offs to loans | 0.0092% | 1,983 |
| Credit loss provision to net charge-offs | 2,583.3333% | 269 |
| Earnings coverage of net charge-offs (x) | 207.6667% | 539 |
| Efficiency ratio | 57.5758% | 3,339 |
| Assets per employee ($millions) | 9.7558% | 693 |
| Cash dividends to net income (ytd only)* | 46.6541% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 2,331 |
| Loan loss allowance to noncurrent loans | 53.9654% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.9279% | 201 |
| Noncurrent loans to loans | 2.4663% | 304 |
| Net loans and leases to total assets | 77.1282% | 466 |
| Net loans and leases to deposits | 88.4316% | 691 |
| Net loans and leases to core deposits | 96.3187% | 733 |
| Total domestic deposits to total assets | 87.2179% | 2,261 |
| Equity capital to assets | 11.8160% | 1,485 |
| Core capital (leverage) ratio | 11.3683% | 1,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7342% | 2,076 |
| Memoranda: | ||
| Average total assets | $111,876,000 | 3,927 |
| Average earning assets | $105,240,500 | 3,899 |
| Average equity | $13,633,750 | 3,823 |
| Average total loans | $87,129,000 | 3,422 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 1,132 |
| Cost of funding earning assets | 0.4799% | 1,324 |
| Net interest margin | 3.7497% | 1,223 |
| Noninterest income to average assets | 0.1525% | 4,439 |
| Noninterest expense to average assets | 2.0028% | 3,689 |
| Loan and lease loss provision to assets | 0.1725% | 672 |
| Net operating income to assets | 1.4944% | 1,309 |
| Return on assets (ROA) | 1.4944% | 1,371 |
| Pretax return on assets | 1.5380% | 1,907 |
| Return on Equity (ROE) | 12.1321% | 2,008 |
| Retained earnings to average equity (ytd only) | 7.4738% | 2,264 |
| Net charge-offs to loans | 0.0047% | 1,982 |
| Credit loss provision to net charge-offs | 4,750.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 471.0000% | 275 |
| Efficiency ratio | 53.9364% | 3,816 |
| Assets per employee ($millions) | 8.7969% | 923 |
| Cash dividends to net income (ytd only)* | 38.3961% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 2,726 |
| Loan loss allowance to noncurrent loans | 281.3559% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.3611% | 2,158 |
| Noncurrent loans to loans | 0.4409% | 2,349 |
| Net loans and leases to total assets | 80.8954% | 267 |
| Net loans and leases to deposits | 92.9302% | 499 |
| Net loans and leases to core deposits | 101.8305% | 597 |
| Total domestic deposits to total assets | 87.0497% | 2,289 |
| Equity capital to assets | 12.0453% | 1,338 |
| Core capital (leverage) ratio | 11.3778% | 1,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,144,667 | 3,962 |
| Average earning assets | $104,595,333 | 3,926 |
| Average equity | $13,567,333 | 3,836 |
| Average total loans | $85,668,000 | 3,461 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5967% | 667 |
| Cost of funding earning assets | 0.4911% | 1,448 |
| Net interest margin | 4.1056% | 715 |
| Noninterest income to average assets | 0.1629% | 4,383 |
| Noninterest expense to average assets | 1.9290% | 3,916 |
| Loan and lease loss provision to assets | 0.1666% | 752 |
| Net operating income to assets | 1.8697% | 696 |
| Return on assets (ROA) | 1.8697% | 747 |
| Pretax return on assets | 1.9364% | 1,055 |
| Return on Equity (ROE) | 15.0035% | 1,208 |
| Retained earnings to average equity (ytd only) | 10.3688% | 1,555 |
| Net charge-offs to loans | 0.0147% | 1,451 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 189.3333% | 414 |
| Efficiency ratio | 47.8421% | 4,349 |
| Assets per employee ($millions) | 8.5448% | 970 |
| Cash dividends to net income (ytd only)* | 30.8911% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 2,177 |
| Loan loss allowance to noncurrent loans | 266.4269% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.3754% | 2,298 |
| Noncurrent loans to loans | 0.5089% | 2,333 |
| Net loans and leases to total assets | 72.7598% | 927 |
| Net loans and leases to deposits | 83.7475% | 1,178 |
| Net loans and leases to core deposits | 91.7369% | 1,131 |
| Total domestic deposits to total assets | 86.8800% | 2,356 |
| Equity capital to assets | 12.2243% | 1,188 |
| Core capital (leverage) ratio | 11.9269% | 1,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,037,000 | 3,989 |
| Average earning assets | $101,812,000 | 3,960 |
| Average equity | $13,463,500 | 3,849 |
| Average total loans | $81,665,000 | 3,532 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1553% | 2,265 |
| Cost of funding earning assets | 0.5634% | 2,544 |
| Net interest margin | 3.5920% | 2,163 |
| Noninterest income to average assets | 0.1358% | 4,608 |
| Noninterest expense to average assets | 1.8867% | 4,341 |
| Loan and lease loss provision to assets | 0.3093% | 1,207 |
| Net operating income to assets | 1.2865% | 1,283 |
| Return on assets (ROA) | 1.2946% | 1,366 |
| Pretax return on assets | 1.3068% | 1,946 |
| Return on Equity (ROE) | 9.6707% | 2,135 |
| Retained earnings to average equity (ytd only) | 0.4118% | 4,391 |
| Net charge-offs to loans | -0.0042% | 4,090 |
| Credit loss provision to net charge-offs | -10,100.0000% | 4,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9877% | 4,211 |
| Assets per employee ($millions) | 8.0763% | 1,016 |
| Cash dividends to net income (ytd only)* | 95.7413% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 2,353 |
| Loan loss allowance to noncurrent loans | 255.1313% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.3991% | 2,395 |
| Noncurrent loans to loans | 0.5148% | 2,428 |
| Net loans and leases to total assets | 76.5077% | 735 |
| Net loans and leases to deposits | 88.5722% | 1,035 |
| Net loans and leases to core deposits | 97.6086% | 1,029 |
| Total domestic deposits to total assets | 86.3790% | 2,195 |
| Equity capital to assets | 12.7133% | 1,224 |
| Core capital (leverage) ratio | 11.9508% | 1,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,947,800 | 4,027 |
| Average earning assets | $91,593,200 | 4,007 |
| Average equity | $13,111,800 | 3,853 |
| Average total loans | $71,230,000 | 3,705 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2800% | 2,162 |
| Cost of funding earning assets | 0.5701% | 2,804 |
| Net interest margin | 3.7099% | 1,909 |
| Noninterest income to average assets | 0.1261% | 4,660 |
| Noninterest expense to average assets | 1.9448% | 4,259 |
| Loan and lease loss provision to assets | 0.2953% | 1,371 |
| Net operating income to assets | 1.3378% | 1,265 |
| Return on assets (ROA) | 1.3487% | 1,333 |
| Pretax return on assets | 1.3612% | 1,849 |
| Return on Equity (ROE) | 9.9389% | 2,041 |
| Retained earnings to average equity (ytd only) | 3.2789% | 3,403 |
| Net charge-offs to loans | 0.0019% | 3,134 |
| Credit loss provision to net charge-offs | 21,300.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 1,187.0000% | 99 |
| Efficiency ratio | 54.1699% | 4,129 |
| Assets per employee ($millions) | 8.6933% | 775 |
| Cash dividends to net income (ytd only)* | 67.0092% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 2,102 |
| Loan loss allowance to noncurrent loans | 216.1863% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.4323% | 2,448 |
| Noncurrent loans to loans | 0.6082% | 2,279 |
| Net loans and leases to total assets | 70.1502% | 1,924 |
| Net loans and leases to deposits | 81.5676% | 2,142 |
| Net loans and leases to core deposits | 89.6979% | 2,004 |
| Total domestic deposits to total assets | 86.0025% | 2,064 |
| Equity capital to assets | 12.9756% | 1,192 |
| Core capital (leverage) ratio | 12.4653% | 1,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,186,750 | 4,042 |
| Average earning assets | $89,811,250 | 4,025 |
| Average equity | $13,052,750 | 3,861 |
| Average total loans | $68,688,500 | 3,776 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5285% | 1,836 |
| Cost of funding earning assets | 0.5822% | 3,067 |
| Net interest margin | 3.9463% | 1,453 |
| Noninterest income to average assets | 0.1284% | 4,661 |
| Noninterest expense to average assets | 2.0540% | 4,126 |
| Loan and lease loss provision to assets | 0.2632% | 1,617 |
| Net operating income to assets | 1.4530% | 1,013 |
| Return on assets (ROA) | 1.4699% | 1,069 |
| Pretax return on assets | 1.4827% | 1,495 |
| Return on Equity (ROE) | 10.6580% | 1,756 |
| Retained earnings to average equity (ytd only) | 6.1590% | 2,010 |
| Net charge-offs to loans | 0.0479% | 1,798 |
| Credit loss provision to net charge-offs | 768.7500% | 934 |
| Earnings coverage of net charge-offs (x) | 50.5000% | 1,098 |
| Efficiency ratio | 54.2986% | 4,146 |
| Assets per employee ($millions) | 8.4868% | 810 |
| Cash dividends to net income (ytd only)* | 42.2125% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 2,407 |
| Loan loss allowance to noncurrent loans | 170.9234% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 2,338 |
| Noncurrent loans to loans | 0.7147% | 2,090 |
| Net loans and leases to total assets | 69.0812% | 2,173 |
| Net loans and leases to deposits | 80.6227% | 2,361 |
| Net loans and leases to core deposits | 88.8991% | 2,168 |
| Total domestic deposits to total assets | 85.6845% | 2,129 |
| Equity capital to assets | 13.3070% | 1,036 |
| Core capital (leverage) ratio | 13.2295% | 940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,476,000 | 4,074 |
| Average earning assets | $86,562,333 | 4,068 |
| Average equity | $12,891,667 | 3,881 |
| Average total loans | $66,866,333 | 3,819 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3628% | 2,736 |
| Cost of funding earning assets | 0.5889% | 3,489 |
| Net interest margin | 3.7739% | 2,071 |
| Noninterest income to average assets | 0.1433% | 4,649 |
| Noninterest expense to average assets | 2.0651% | 4,283 |
| Loan and lease loss provision to assets | 0.1478% | 1,918 |
| Net operating income to assets | 1.5055% | 772 |
| Return on assets (ROA) | 1.5410% | 781 |
| Pretax return on assets | 1.5544% | 1,165 |
| Return on Equity (ROE) | 10.9541% | 1,421 |
| Retained earnings to average equity (ytd only) | 6.7508% | 1,627 |
| Net charge-offs to loans | 0.1237% | 966 |
| Credit loss provision to net charge-offs | 165.0000% | 1,537 |
| Earnings coverage of net charge-offs (x) | 18.6000% | 1,464 |
| Efficiency ratio | 55.3421% | 4,274 |
| Assets per employee ($millions) | 7.4063% | 931 |
| Cash dividends to net income (ytd only)* | 38.3721% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 2,825 |
| Loan loss allowance to noncurrent loans | 178.8018% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.4883% | 2,534 |
| Noncurrent loans to loans | 0.6542% | 2,354 |
| Net loans and leases to total assets | 73.7724% | 1,649 |
| Net loans and leases to deposits | 85.7745% | 2,031 |
| Net loans and leases to core deposits | 91.9399% | 2,167 |
| Total domestic deposits to total assets | 86.0075% | 2,001 |
| Equity capital to assets | 13.8283% | 1,118 |
| Core capital (leverage) ratio | 14.1267% | 880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,293,500 | 4,127 |
| Average earning assets | $84,899,000 | 4,094 |
| Average equity | $12,561,500 | 3,935 |
| Average total loans | $64,688,000 | 3,869 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3296% | 3,460 |
| Cost of funding earning assets | 0.5699% | 3,774 |
| Net interest margin | 3.7597% | 2,641 |
| Noninterest income to average assets | 0.1577% | 4,702 |
| Noninterest expense to average assets | 2.1233% | 4,321 |
| Loan and lease loss provision to assets | 0.1497% | 1,425 |
| Net operating income to assets | 1.4552% | 1,172 |
| Return on assets (ROA) | 1.4462% | 1,266 |
| Pretax return on assets | 1.4598% | 1,939 |
| Return on Equity (ROE) | 10.2551% | 2,181 |
| Retained earnings to average equity (ytd only) | 3.8045% | 3,074 |
| Net charge-offs to loans | -0.0066% | 4,382 |
| Credit loss provision to net charge-offs | -3,300.0000% | 4,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7445% | 4,118 |
| Assets per employee ($millions) | 7.4759% | 873 |
| Cash dividends to net income (ytd only)* | 62.9020% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 2,374 |
| Loan loss allowance to noncurrent loans | 171.4607% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.4960% | 2,429 |
| Noncurrent loans to loans | 0.7060% | 2,109 |
| Net loans and leases to total assets | 69.4129% | 2,491 |
| Net loans and leases to deposits | 81.0989% | 2,653 |
| Net loans and leases to core deposits | 86.8894% | 2,720 |
| Total domestic deposits to total assets | 85.5904% | 2,242 |
| Equity capital to assets | 14.3048% | 1,001 |
| Core capital (leverage) ratio | 14.0494% | 918 |
| Tier 1 risk-based capital ratio | 18.7405% | 1,575 |
| Total risk-based capital ratio | 19.8851% | 1,572 |
| Memoranda: | ||
| Average total assets | $88,162,600 | 4,169 |
| Average earning assets | $84,048,400 | 4,122 |
| Average equity | $12,432,800 | 3,945 |
| Average total loans | $60,741,200 | 3,973 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3224% | 3,587 |
| Cost of funding earning assets | 0.5606% | 3,867 |
| Net interest margin | 3.7617% | 2,712 |
| Noninterest income to average assets | 0.1701% | 4,700 |
| Noninterest expense to average assets | 2.0825% | 4,392 |
| Loan and lease loss provision to assets | 0.1504% | 1,258 |
| Net operating income to assets | 1.5113% | 1,164 |
| Return on assets (ROA) | 1.4992% | 1,247 |
| Pretax return on assets | 1.5129% | 1,921 |
| Return on Equity (ROE) | 10.6705% | 2,148 |
| Retained earnings to average equity (ytd only) | 5.5028% | 2,623 |
| Net charge-offs to loans | -0.0089% | 4,344 |
| Credit loss provision to net charge-offs | -2,475.0000% | 4,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4163% | 4,228 |
| Assets per employee ($millions) | 7.5561% | 825 |
| Cash dividends to net income (ytd only)* | 48.4297% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 2,576 |
| Loan loss allowance to noncurrent loans | 163.0872% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 2,552 |
| Noncurrent loans to loans | 0.7275% | 2,147 |
| Net loans and leases to total assets | 66.9582% | 2,929 |
| Net loans and leases to deposits | 78.2001% | 3,078 |
| Net loans and leases to core deposits | 83.7074% | 3,119 |
| Total domestic deposits to total assets | 85.6242% | 2,155 |
| Equity capital to assets | 14.1718% | 1,086 |
| Core capital (leverage) ratio | 14.1784% | 939 |
| Tier 1 risk-based capital ratio | 19.2727% | 1,513 |
| Total risk-based capital ratio | 20.3941% | 1,507 |
| Memoranda: | ||
| Average total assets | $87,775,500 | 4,229 |
| Average earning assets | $83,717,750 | 4,180 |
| Average equity | $12,332,750 | 3,992 |
| Average total loans | $60,168,000 | 4,026 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2931% | 3,653 |
| Cost of funding earning assets | 0.5490% | 3,878 |
| Net interest margin | 3.7441% | 2,778 |
| Noninterest income to average assets | 0.1912% | 4,609 |
| Noninterest expense to average assets | 2.0942% | 4,426 |
| Loan and lease loss provision to assets | 0.1521% | 1,199 |
| Net operating income to assets | 1.5135% | 1,113 |
| Return on assets (ROA) | 1.4998% | 1,204 |
| Pretax return on assets | 1.5137% | 1,815 |
| Return on Equity (ROE) | 10.7069% | 2,092 |
| Retained earnings to average equity (ytd only) | 5.4275% | 2,553 |
| Net charge-offs to loans | 0.0268% | 2,316 |
| Credit loss provision to net charge-offs | 825.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 91.1250% | 740 |
| Efficiency ratio | 55.4945% | 4,307 |
| Assets per employee ($millions) | 7.3241% | 876 |
| Cash dividends to net income (ytd only)* | 49.3088% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,008 |
| Loan loss allowance to noncurrent loans | 148.5900% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.5245% | 2,461 |
| Noncurrent loans to loans | 0.7485% | 2,116 |
| Net loans and leases to total assets | 69.3011% | 2,630 |
| Net loans and leases to deposits | 81.0313% | 2,842 |
| Net loans and leases to core deposits | 86.9282% | 2,891 |
| Total domestic deposits to total assets | 85.5238% | 2,253 |
| Equity capital to assets | 14.3067% | 1,011 |
| Core capital (leverage) ratio | 14.1752% | 913 |
| Tier 1 risk-based capital ratio | 19.4213% | 1,453 |
| Total risk-based capital ratio | 20.4985% | 1,462 |
| Memoranda: | ||
| Average total assets | $86,809,670 | 4,271 |
| Average earning assets | $83,064,000 | 4,219 |
| Average equity | $12,160,330 | 4,021 |
| Average total loans | $59,743,330 | 4,058 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1867% | 3,911 |
| Cost of funding earning assets | 0.5330% | 3,904 |
| Net interest margin | 3.6537% | 3,063 |
| Noninterest income to average assets | 0.1206% | 5,011 |
| Noninterest expense to average assets | 2.0077% | 4,624 |
| Loan and lease loss provision to assets | 0.1530% | 1,091 |
| Net operating income to assets | 1.4417% | 1,261 |
| Return on assets (ROA) | 1.4142% | 1,365 |
| Pretax return on assets | 1.4281% | 1,991 |
| Return on Equity (ROE) | 10.2062% | 2,275 |
| Retained earnings to average equity (ytd only) | 4.7517% | 3,023 |
| Net charge-offs to loans | -0.0136% | 4,347 |
| Credit loss provision to net charge-offs | -1,650.0000% | 4,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5128% | 4,390 |
| Assets per employee ($millions) | 6.7006% | 1,141 |
| Cash dividends to net income (ytd only)* | 53.4426% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 3,058 |
| Loan loss allowance to noncurrent loans | 8,275.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 4,832 |
| Noncurrent loans to loans | 0.0134% | 4,722 |
| Net loans and leases to total assets | 67.5977% | 2,817 |
| Net loans and leases to deposits | 78.7006% | 2,982 |
| Net loans and leases to core deposits | 83.2610% | 3,088 |
| Total domestic deposits to total assets | 85.8922% | 2,325 |
| Equity capital to assets | 13.9735% | 1,046 |
| Core capital (leverage) ratio | 14.0568% | 934 |
| Tier 1 risk-based capital ratio | 19.4688% | 1,446 |
| Total risk-based capital ratio | 20.5286% | 1,454 |
| Memoranda: | ||
| Average total assets | $86,270,000 | 4,324 |
| Average earning assets | $82,546,500 | 4,271 |
| Average equity | $11,953,500 | 4,061 |
| Average total loans | $58,818,500 | 4,115 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9892% | 4,061 |
| Cost of funding earning assets | 0.3900% | 4,048 |
| Net interest margin | 3.5992% | 3,385 |
| Noninterest income to average assets | 0.1212% | 5,075 |
| Noninterest expense to average assets | 1.8104% | 4,995 |
| Loan and lease loss provision to assets | 0.1468% | 1,451 |
| Net operating income to assets | 1.6006% | 865 |
| Return on assets (ROA) | 1.5903% | 882 |
| Pretax return on assets | 1.6042% | 1,457 |
| Return on Equity (ROE) | 11.9260% | 1,740 |
| Retained earnings to average equity (ytd only) | 4.9451% | 2,794 |
| Net charge-offs to loans | 0.0019% | 3,681 |
| Credit loss provision to net charge-offs | 12,600.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 1,512.0000% | 72 |
| Efficiency ratio | 50.6849% | 4,895 |
| Assets per employee ($millions) | 7.1193% | 929 |
| Cash dividends to net income (ytd only)* | 58.5348% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 3,235 |
| Loan loss allowance to noncurrent loans | 6,955.5556% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 4,847 |
| Noncurrent loans to loans | 0.0155% | 4,726 |
| Net loans and leases to total assets | 67.2652% | 2,966 |
| Net loans and leases to deposits | 78.0629% | 3,161 |
| Net loans and leases to core deposits | 82.6599% | 3,209 |
| Total domestic deposits to total assets | 86.1679% | 2,146 |
| Equity capital to assets | 13.7361% | 1,051 |
| Core capital (leverage) ratio | 14.2077% | 866 |
| Tier 1 risk-based capital ratio | 19.9280% | 1,321 |
| Total risk-based capital ratio | 20.9676% | 1,323 |
| Memoranda: | ||
| Average total assets | $85,835,200 | 4,330 |
| Average earning assets | $82,297,200 | 4,279 |
| Average equity | $11,445,600 | 4,093 |
| Average total loans | $53,492,200 | 4,234 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9215% | 4,155 |
| Cost of funding earning assets | 0.3708% | 4,042 |
| Net interest margin | 3.5507% | 3,519 |
| Noninterest income to average assets | 0.1179% | 5,142 |
| Noninterest expense to average assets | 1.7392% | 5,099 |
| Loan and lease loss provision to assets | 0.1443% | 1,377 |
| Net operating income to assets | 1.6228% | 918 |
| Return on assets (ROA) | 1.6182% | 934 |
| Pretax return on assets | 1.6322% | 1,481 |
| Return on Equity (ROE) | 12.2272% | 1,713 |
| Retained earnings to average equity (ytd only) | 6.6587% | 2,304 |
| Net charge-offs to loans | -0.0102% | 4,410 |
| Credit loss provision to net charge-offs | -2,325.0000% | 4,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4050% | 4,974 |
| Assets per employee ($millions) | 7.7485% | 704 |
| Cash dividends to net income (ytd only)* | 45.5419% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 3,249 |
| Loan loss allowance to noncurrent loans | 5,990.0000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 4,953 |
| Noncurrent loans to loans | 0.0182% | 4,833 |
| Net loans and leases to total assets | 63.7750% | 3,454 |
| Net loans and leases to deposits | 73.8901% | 3,603 |
| Net loans and leases to core deposits | 76.6956% | 3,757 |
| Total domestic deposits to total assets | 86.3106% | 2,054 |
| Equity capital to assets | 13.4934% | 1,137 |
| Core capital (leverage) ratio | 13.8528% | 979 |
| Tier 1 risk-based capital ratio | 20.9267% | 1,193 |
| Total risk-based capital ratio | 21.9693% | 1,199 |
| Memoranda: | ||
| Average total assets | $85,936,000 | 4,373 |
| Average earning assets | $82,347,500 | 4,318 |
| Average equity | $11,373,250 | 4,142 |
| Average total loans | $52,342,250 | 4,303 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8076% | 4,329 |
| Cost of funding earning assets | 0.3561% | 4,032 |
| Net interest margin | 3.4515% | 3,795 |
| Noninterest income to average assets | 0.1207% | 5,190 |
| Noninterest expense to average assets | 1.7175% | 5,178 |
| Loan and lease loss provision to assets | 0.1393% | 1,404 |
| Net operating income to assets | 1.5574% | 1,020 |
| Return on assets (ROA) | 1.5574% | 1,022 |
| Pretax return on assets | 1.5713% | 1,594 |
| Return on Equity (ROE) | 11.8440% | 1,781 |
| Retained earnings to average equity (ytd only) | 6.2662% | 2,433 |
| Net charge-offs to loans | -0.0194% | 4,557 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1016% | 5,023 |
| Assets per employee ($millions) | 7.9612% | 634 |
| Cash dividends to net income (ytd only)* | 47.0939% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 3,426 |
| Loan loss allowance to noncurrent loans | 5,670.0000% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 4,985 |
| Noncurrent loans to loans | 0.0189% | 4,855 |
| Net loans and leases to total assets | 59.8118% | 3,829 |
| Net loans and leases to deposits | 68.8998% | 3,953 |
| Net loans and leases to core deposits | 71.4253% | 4,047 |
| Total domestic deposits to total assets | 86.8099% | 1,929 |
| Equity capital to assets | 13.0337% | 1,280 |
| Core capital (leverage) ratio | 13.6596% | 1,007 |
| Tier 1 risk-based capital ratio | 20.9242% | 1,190 |
| Total risk-based capital ratio | 21.9289% | 1,196 |
| Memoranda: | ||
| Average total assets | $86,170,000 | 4,409 |
| Average earning assets | $82,571,670 | 4,351 |
| Average equity | $11,330,670 | 4,182 |
| Average total loans | $51,470,670 | 4,360 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7210% | 4,422 |
| Cost of funding earning assets | 0.3481% | 4,007 |
| Net interest margin | 3.3729% | 3,973 |
| Noninterest income to average assets | 0.1357% | 5,188 |
| Noninterest expense to average assets | 1.7316% | 5,218 |
| Loan and lease loss provision to assets | 0.1264% | 1,491 |
| Net operating income to assets | 1.4837% | 1,117 |
| Return on assets (ROA) | 1.4976% | 1,090 |
| Pretax return on assets | 1.5117% | 1,660 |
| Return on Equity (ROE) | 11.3385% | 1,841 |
| Retained earnings to average equity (ytd only) | 5.7401% | 2,835 |
| Net charge-offs to loans | -0.0237% | 4,637 |
| Credit loss provision to net charge-offs | -900.0000% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6039% | 4,989 |
| Assets per employee ($millions) | 8.5908% | 509 |
| Cash dividends to net income (ytd only)* | 49.3750% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 3,690 |
| Loan loss allowance to noncurrent loans | 1,834.4828% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 4,940 |
| Noncurrent loans to loans | 0.0570% | 4,719 |
| Net loans and leases to total assets | 58.5836% | 3,885 |
| Net loans and leases to deposits | 67.4864% | 3,983 |
| Net loans and leases to core deposits | 69.4793% | 4,112 |
| Total domestic deposits to total assets | 86.8080% | 2,200 |
| Equity capital to assets | 13.0791% | 1,201 |
| Core capital (leverage) ratio | 13.6804% | 956 |
| Tier 1 risk-based capital ratio | 21.6297% | 1,108 |
| Total risk-based capital ratio | 22.6203% | 1,119 |
| Memoranda: | ||
| Average total assets | $85,468,500 | 4,468 |
| Average earning assets | $81,591,000 | 4,412 |
| Average equity | $11,289,000 | 4,229 |
| Average total loans | $50,733,000 | 4,427 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4703% | 4,832 |
| Cost of funding earning assets | 0.2999% | 4,145 |
| Net interest margin | 3.1704% | 4,519 |
| Noninterest income to average assets | 0.1273% | 5,309 |
| Noninterest expense to average assets | 1.6945% | 5,339 |
| Loan and lease loss provision to assets | 0.0666% | 2,877 |
| Net operating income to assets | 1.3526% | 1,112 |
| Return on assets (ROA) | 1.3827% | 1,074 |
| Pretax return on assets | 1.3967% | 2,003 |
| Return on Equity (ROE) | 10.5282% | 1,666 |
| Retained earnings to average equity (ytd only) | 4.7306% | 2,301 |
| Net charge-offs to loans | 0.0173% | 3,520 |
| Credit loss provision to net charge-offs | 712.5000% | 461 |
| Earnings coverage of net charge-offs (x) | 153.3750% | 475 |
| Efficiency ratio | 54.1822% | 4,938 |
| Assets per employee ($millions) | 8.5029% | 533 |
| Cash dividends to net income (ytd only)* | 55.0676% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 4,002 |
| Loan loss allowance to noncurrent loans | 2,947.0588% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 5,058 |
| Noncurrent loans to loans | 0.0336% | 4,859 |
| Net loans and leases to total assets | 58.9270% | 3,930 |
| Net loans and leases to deposits | 68.1052% | 4,020 |
| Net loans and leases to core deposits | 69.4649% | 4,210 |
| Total domestic deposits to total assets | 86.5234% | 2,219 |
| Equity capital to assets | 13.3390% | 1,117 |
| Core capital (leverage) ratio | 13.4621% | 983 |
| Tier 1 risk-based capital ratio | 21.6207% | 1,059 |
| Total risk-based capital ratio | 22.5664% | 1,073 |
| Memoranda: | ||
| Average total assets | $85,630,400 | 4,490 |
| Average earning assets | $81,030,800 | 4,444 |
| Average equity | $11,246,000 | 4,267 |
| Average total loans | $46,280,800 | 4,559 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3800% | 4,987 |
| Cost of funding earning assets | 0.2732% | 4,377 |
| Net interest margin | 3.1069% | 4,696 |
| Noninterest income to average assets | 0.1399% | 5,310 |
| Noninterest expense to average assets | 1.7020% | 5,363 |
| Loan and lease loss provision to assets | 0.0606% | 2,869 |
| Net operating income to assets | 1.2983% | 1,341 |
| Return on assets (ROA) | 1.3429% | 1,239 |
| Pretax return on assets | 1.3569% | 2,252 |
| Return on Equity (ROE) | 10.2653% | 2,002 |
| Retained earnings to average equity (ytd only) | 4.3960% | 3,280 |
| Net charge-offs to loans | -0.0265% | 4,956 |
| Credit loss provision to net charge-offs | -433.3333% | 4,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3589% | 4,806 |
| Assets per employee ($millions) | 8.5143% | 521 |
| Cash dividends to net income (ytd only)* | 57.1760% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 3,907 |
| Loan loss allowance to noncurrent loans | 6,262.5000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 5,221 |
| Noncurrent loans to loans | 0.0164% | 5,068 |
| Net loans and leases to total assets | 56.5930% | 4,188 |
| Net loans and leases to deposits | 65.5026% | 4,286 |
| Net loans and leases to core deposits | 67.4095% | 4,392 |
| Total domestic deposits to total assets | 86.3982% | 2,134 |
| Equity capital to assets | 13.4503% | 1,183 |
| Core capital (leverage) ratio | 13.3027% | 1,107 |
| Tier 1 risk-based capital ratio | 22.3639% | 1,010 |
| Total risk-based capital ratio | 23.3562% | 1,019 |
| Memoranda: | ||
| Average total assets | $85,780,750 | 4,532 |
| Average earning assets | $81,022,500 | 4,492 |
| Average equity | $11,222,000 | 4,313 |
| Average total loans | $45,199,500 | 4,631 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2688% | 5,151 |
| Cost of funding earning assets | 0.2831% | 4,255 |
| Net interest margin | 2.9857% | 4,940 |
| Noninterest income to average assets | 0.1582% | 5,262 |
| Noninterest expense to average assets | 1.7327% | 5,382 |
| Loan and lease loss provision to assets | 0.0488% | 3,014 |
| Net operating income to assets | 1.1843% | 1,650 |
| Return on assets (ROA) | 1.2327% | 1,524 |
| Pretax return on assets | 1.2466% | 2,602 |
| Return on Equity (ROE) | 9.5107% | 2,266 |
| Retained earnings to average equity (ytd only) | 3.4813% | 3,630 |
| Net charge-offs to loans | -0.0272% | 4,909 |
| Credit loss provision to net charge-offs | -350.0000% | 4,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1577% | 4,569 |
| Assets per employee ($millions) | 8.4990% | 508 |
| Cash dividends to net income (ytd only)* | 63.3962% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 4,132 |
| Loan loss allowance to noncurrent loans | 6,000.0000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 5,258 |
| Noncurrent loans to loans | 0.0167% | 5,105 |
| Net loans and leases to total assets | 55.8054% | 4,244 |
| Net loans and leases to deposits | 64.5099% | 4,339 |
| Net loans and leases to core deposits | 66.6259% | 4,434 |
| Total domestic deposits to total assets | 86.5066% | 2,162 |
| Equity capital to assets | 13.3886% | 1,192 |
| Core capital (leverage) ratio | 13.0759% | 1,144 |
| Tier 1 risk-based capital ratio | 22.7995% | 967 |
| Total risk-based capital ratio | 23.7841% | 974 |
| Memoranda: | ||
| Average total assets | $85,993,330 | 4,558 |
| Average earning assets | $81,252,670 | 4,512 |
| Average equity | $11,145,330 | 4,340 |
| Average total loans | $44,037,330 | 4,684 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1038% | 5,363 |
| Cost of funding earning assets | 0.2566% | 4,481 |
| Net interest margin | 2.8472% | 5,172 |
| Noninterest income to average assets | 0.1850% | 5,169 |
| Noninterest expense to average assets | 1.8729% | 5,271 |
| Loan and lease loss provision to assets | 0.0416% | 2,972 |
| Net operating income to assets | 0.9249% | 2,641 |
| Return on assets (ROA) | 0.9249% | 2,698 |
| Pretax return on assets | 0.9388% | 3,632 |
| Return on Equity (ROE) | 7.2539% | 3,292 |
| Retained earnings to average equity (ytd only) | 0.7979% | 4,721 |
| Net charge-offs to loans | -0.0285% | 4,907 |
| Credit loss provision to net charge-offs | -300.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6402% | 3,553 |
| Assets per employee ($millions) | 8.5717% | 488 |
| Cash dividends to net income (ytd only)* | 89.0000% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 3,859 |
| Loan loss allowance to noncurrent loans | 5,800.0000% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 5,325 |
| Noncurrent loans to loans | 0.0185% | 5,154 |
| Net loans and leases to total assets | 49.8583% | 4,685 |
| Net loans and leases to deposits | 57.3312% | 4,743 |
| Net loans and leases to core deposits | 59.5190% | 4,801 |
| Total domestic deposits to total assets | 86.9652% | 2,233 |
| Equity capital to assets | 12.9543% | 1,272 |
| Core capital (leverage) ratio | 12.7778% | 1,225 |
| Tier 1 risk-based capital ratio | 24.6292% | 811 |
| Total risk-based capital ratio | 25.6735% | 803 |
| Memoranda: | ||
| Average total assets | $86,495,000 | 4,594 |
| Average earning assets | $81,062,000 | 4,565 |
| Average equity | $11,028,500 | 4,383 |
| Average total loans | $42,101,500 | 4,787 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9859% | 5,511 |
| Cost of funding earning assets | 0.2918% | 4,155 |
| Net interest margin | 2.6942% | 5,424 |
| Noninterest income to average assets | 0.1195% | 5,582 |
| Noninterest expense to average assets | 1.6202% | 5,636 |
| Loan and lease loss provision to assets | 0.0281% | 3,792 |
| Net operating income to assets | 1.0120% | 2,302 |
| Return on assets (ROA) | 1.1059% | 1,968 |
| Pretax return on assets | 1.1188% | 3,023 |
| Return on Equity (ROE) | 8.4449% | 2,711 |
| Retained earnings to average equity (ytd only) | 3.1131% | 3,690 |
| Net charge-offs to loans | 0.0347% | 3,336 |
| Credit loss provision to net charge-offs | 184.6154% | 1,522 |
| Earnings coverage of net charge-offs (x) | 69.0769% | 804 |
| Efficiency ratio | 60.6313% | 4,487 |
| Assets per employee ($millions) | 7.2728% | 815 |
| Cash dividends to net income (ytd only)* | 63.1356% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 3,697 |
| Loan loss allowance to noncurrent loans | 2,152.3810% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 5,292 |
| Noncurrent loans to loans | 0.0512% | 5,042 |
| Net loans and leases to total assets | 46.4634% | 4,988 |
| Net loans and leases to deposits | 53.1985% | 5,050 |
| Net loans and leases to core deposits | 55.1798% | 5,090 |
| Total domestic deposits to total assets | 87.3397% | 1,962 |
| Equity capital to assets | 12.5503% | 1,488 |
| Core capital (leverage) ratio | 12.6779% | 1,261 |
| Tier 1 risk-based capital ratio | 26.2448% | 682 |
| Total risk-based capital ratio | 27.3263% | 675 |
| Memoranda: | ||
| Average total assets | $85,359,600 | 4,626 |
| Average earning assets | $80,878,800 | 4,573 |
| Average equity | $11,178,400 | 4,399 |
| Average total loans | $37,418,800 | 4,967 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9745% | 5,593 |
| Cost of funding earning assets | 0.2955% | 4,152 |
| Net interest margin | 2.6790% | 5,515 |
| Noninterest income to average assets | 0.1272% | 5,613 |
| Noninterest expense to average assets | 1.5818% | 5,703 |
| Loan and lease loss provision to assets | 0.0283% | 3,674 |
| Net operating income to assets | 1.0553% | 2,174 |
| Return on assets (ROA) | 1.1828% | 1,802 |
| Pretax return on assets | 1.1954% | 2,855 |
| Return on Equity (ROE) | 8.9363% | 2,529 |
| Retained earnings to average equity (ytd only) | 3.8807% | 3,539 |
| Net charge-offs to loans | 0.0548% | 2,579 |
| Credit loss provision to net charge-offs | 120.0000% | 2,086 |
| Earnings coverage of net charge-offs (x) | 46.4655% | 1,130 |
| Efficiency ratio | 59.0962% | 4,677 |
| Assets per employee ($millions) | 7.1382% | 841 |
| Cash dividends to net income (ytd only)* | 56.5744% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 3,466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 44.0706% | 5,183 |
| Net loans and leases to deposits | 50.8822% | 5,257 |
| Net loans and leases to core deposits | 52.4036% | 5,296 |
| Total domestic deposits to total assets | 86.6130% | 2,078 |
| Equity capital to assets | 13.2259% | 1,381 |
| Core capital (leverage) ratio | 12.6859% | 1,317 |
| Tier 1 risk-based capital ratio | 27.7941% | 593 |
| Total risk-based capital ratio | 28.9262% | 586 |
| Memoranda: | ||
| Average total assets | $84,881,250 | 4,669 |
| Average earning assets | $80,774,000 | 4,609 |
| Average equity | $11,234,750 | 4,425 |
| Average total loans | $36,523,000 | 5,041 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9319% | 5,703 |
| Cost of funding earning assets | 0.2957% | 4,181 |
| Net interest margin | 2.6363% | 5,633 |
| Noninterest income to average assets | 0.1229% | 5,697 |
| Noninterest expense to average assets | 1.5410% | 5,807 |
| Loan and lease loss provision to assets | 0.0284% | 3,556 |
| Net operating income to assets | 1.0683% | 2,094 |
| Return on assets (ROA) | 1.0754% | 2,187 |
| Pretax return on assets | 1.0895% | 3,242 |
| Return on Equity (ROE) | 8.1226% | 2,929 |
| Retained earnings to average equity (ytd only) | 3.3740% | 3,750 |
| Net charge-offs to loans | -0.0111% | 4,732 |
| Credit loss provision to net charge-offs | -600.0000% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1105% | 4,888 |
| Assets per employee ($millions) | 7.7636% | 626 |
| Cash dividends to net income (ytd only)* | 58.4615% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 3,092 |
| Loan loss allowance to noncurrent loans | 1,229.7297% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 5,401 |
| Noncurrent loans to loans | 0.1014% | 5,044 |
| Net loans and leases to total assets | 42.2049% | 5,329 |
| Net loans and leases to deposits | 48.8130% | 5,390 |
| Net loans and leases to core deposits | 50.8881% | 5,404 |
| Total domestic deposits to total assets | 86.4625% | 2,189 |
| Equity capital to assets | 13.3478% | 1,305 |
| Core capital (leverage) ratio | 12.7739% | 1,243 |
| Tier 1 risk-based capital ratio | 28.5688% | 560 |
| Total risk-based capital ratio | 29.7767% | 554 |
| Memoranda: | ||
| Average total assets | $84,622,330 | 4,712 |
| Average earning assets | $81,175,670 | 4,637 |
| Average equity | $11,203,330 | 4,450 |
| Average total loans | $35,966,000 | 5,108 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8983% | 5,786 |
| Cost of funding earning assets | 0.2978% | 4,187 |
| Net interest margin | 2.6006% | 5,721 |
| Noninterest income to average assets | 0.1377% | 5,659 |
| Noninterest expense to average assets | 1.5576% | 5,863 |
| Loan and lease loss provision to assets | 0.0285% | 3,280 |
| Net operating income to assets | 1.0213% | 2,188 |
| Return on assets (ROA) | 1.0352% | 2,260 |
| Pretax return on assets | 1.0542% | 3,260 |
| Return on Equity (ROE) | 7.8520% | 3,006 |
| Retained earnings to average equity (ytd only) | 2.7734% | 4,130 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3128% | 4,835 |
| Assets per employee ($millions) | 7.5323% | 690 |
| Cash dividends to net income (ytd only)* | 64.6789% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 3,059 |
| Loan loss allowance to noncurrent loans | 1,146.1538% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 5,437 |
| Noncurrent loans to loans | 0.1107% | 5,031 |
| Net loans and leases to total assets | 41.9878% | 5,352 |
| Net loans and leases to deposits | 48.5955% | 5,399 |
| Net loans and leases to core deposits | 50.7276% | 5,416 |
| Total domestic deposits to total assets | 86.4028% | 2,493 |
| Equity capital to assets | 13.4971% | 1,181 |
| Core capital (leverage) ratio | 12.8088% | 1,233 |
| Tier 1 risk-based capital ratio | 29.5842% | 523 |
| Total risk-based capital ratio | 30.8259% | 515 |
| Memoranda: | ||
| Average total assets | $84,233,500 | 4,762 |
| Average earning assets | $80,598,000 | 4,690 |
| Average equity | $11,105,500 | 4,481 |
| Average total loans | $35,700,000 | 5,152 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8264% | 5,862 |
| Cost of funding earning assets | 0.3256% | 3,959 |
| Net interest margin | 2.5008% | 5,826 |
| Noninterest income to average assets | 0.1135% | 5,835 |
| Noninterest expense to average assets | 1.4222% | 6,026 |
| Loan and lease loss provision to assets | 0.0278% | 3,821 |
| Net operating income to assets | 0.9871% | 2,433 |
| Return on assets (ROA) | 1.0632% | 2,150 |
| Pretax return on assets | 1.0805% | 3,152 |
| Return on Equity (ROE) | 8.4061% | 2,760 |
| Retained earnings to average equity (ytd only) | 3.5529% | 3,534 |
| Net charge-offs to loans | -0.0091% | 5,090 |
| Credit loss provision to net charge-offs | -800.0000% | 5,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9792% | 5,147 |
| Assets per employee ($millions) | 7.7829% | 620 |
| Cash dividends to net income (ytd only)* | 57.7342% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 3,362 |
| Loan loss allowance to noncurrent loans | 1,050.0000% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 5,483 |
| Noncurrent loans to loans | 0.1161% | 5,030 |
| Net loans and leases to total assets | 41.7266% | 5,424 |
| Net loans and leases to deposits | 47.9362% | 5,489 |
| Net loans and leases to core deposits | 50.2957% | 5,489 |
| Total domestic deposits to total assets | 87.0462% | 2,106 |
| Equity capital to assets | 12.8814% | 1,412 |
| Core capital (leverage) ratio | 12.3522% | 1,423 |
| Tier 1 risk-based capital ratio | 28.0530% | 596 |
| Total risk-based capital ratio | 29.2229% | 594 |
| Memoranda: | ||
| Average total assets | $86,346,000 | 4,739 |
| Average earning assets | $80,773,400 | 4,697 |
| Average equity | $10,920,600 | 4,494 |
| Average total loans | $32,846,600 | 5,262 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7973% | 5,961 |
| Cost of funding earning assets | 0.3310% | 3,977 |
| Net interest margin | 2.4663% | 5,932 |
| Noninterest income to average assets | 0.1156% | 5,897 |
| Noninterest expense to average assets | 1.4345% | 6,079 |
| Loan and lease loss provision to assets | 0.0277% | 3,693 |
| Net operating income to assets | 0.9327% | 2,791 |
| Return on assets (ROA) | 1.0339% | 2,397 |
| Pretax return on assets | 1.0524% | 3,401 |
| Return on Equity (ROE) | 8.2124% | 2,963 |
| Retained earnings to average equity (ytd only) | 3.4636% | 3,998 |
| Net charge-offs to loans | -0.0083% | 4,931 |
| Credit loss provision to net charge-offs | -900.0000% | 5,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4888% | 4,948 |
| Assets per employee ($millions) | 7.6865% | 622 |
| Cash dividends to net income (ytd only)* | 57.8244% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2630% | 3,291 |
| Loan loss allowance to noncurrent loans | 1,009.3023% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 5,570 |
| Noncurrent loans to loans | 0.1251% | 5,128 |
| Net loans and leases to total assets | 40.1273% | 5,584 |
| Net loans and leases to deposits | 46.1945% | 5,642 |
| Net loans and leases to core deposits | 48.4949% | 5,634 |
| Total domestic deposits to total assets | 86.8659% | 2,112 |
| Equity capital to assets | 12.9922% | 1,449 |
| Core capital (leverage) ratio | 12.2902% | 1,519 |
| Tier 1 risk-based capital ratio | 28.9415% | 573 |
| Total risk-based capital ratio | 30.1413% | 569 |
| Memoranda: | ||
| Average total assets | $86,529,500 | 4,795 |
| Average earning assets | $80,551,500 | 4,765 |
| Average equity | $10,893,750 | 4,557 |
| Average total loans | $32,017,250 | 5,356 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7830% | 6,030 |
| Cost of funding earning assets | 0.3426% | 3,893 |
| Net interest margin | 2.4404% | 6,015 |
| Noninterest income to average assets | 0.1147% | 5,971 |
| Noninterest expense to average assets | 1.4245% | 6,160 |
| Loan and lease loss provision to assets | 0.0275% | 3,580 |
| Net operating income to assets | 0.9045% | 2,854 |
| Return on assets (ROA) | 1.0529% | 2,241 |
| Pretax return on assets | 1.0689% | 3,307 |
| Return on Equity (ROE) | 8.4504% | 2,819 |
| Retained earnings to average equity (ytd only) | 3.6085% | 3,732 |
| Net charge-offs to loans | -0.0064% | 4,800 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1162% | 4,960 |
| Assets per employee ($millions) | 7.5917% | 644 |
| Cash dividends to net income (ytd only)* | 57.2985% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 3,219 |
| Loan loss allowance to noncurrent loans | 993.0233% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 5,647 |
| Noncurrent loans to loans | 0.1314% | 5,222 |
| Net loans and leases to total assets | 38.6880% | 5,708 |
| Net loans and leases to deposits | 44.5345% | 5,742 |
| Net loans and leases to core deposits | 46.7798% | 5,730 |
| Total domestic deposits to total assets | 86.8721% | 2,234 |
| Equity capital to assets | 12.9986% | 1,408 |
| Core capital (leverage) ratio | 12.1032% | 1,595 |
| Tier 1 risk-based capital ratio | 30.2356% | 532 |
| Total risk-based capital ratio | 31.4792% | 523 |
| Memoranda: | ||
| Average total assets | $87,189,000 | 4,831 |
| Average earning assets | $80,560,670 | 4,815 |
| Average equity | $10,863,330 | 4,589 |
| Average total loans | $31,235,670 | 5,428 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7688% | 6,090 |
| Cost of funding earning assets | 0.3498% | 3,863 |
| Net interest margin | 2.4190% | 6,085 |
| Noninterest income to average assets | 0.1213% | 5,997 |
| Noninterest expense to average assets | 1.4018% | 6,234 |
| Loan and lease loss provision to assets | 0.0270% | 3,346 |
| Net operating income to assets | 0.8806% | 2,841 |
| Return on assets (ROA) | 0.8806% | 2,966 |
| Pretax return on assets | 0.8986% | 3,903 |
| Return on Equity (ROE) | 7.2142% | 3,392 |
| Retained earnings to average equity (ytd only) | 2.1348% | 4,608 |
| Net charge-offs to loans | -0.0131% | 4,847 |
| Credit loss provision to net charge-offs | -600.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2317% | 5,064 |
| Assets per employee ($millions) | 7.8417% | 584 |
| Cash dividends to net income (ytd only)* | 70.4082% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 2,680 |
| Loan loss allowance to noncurrent loans | 935.5556% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 5,724 |
| Noncurrent loans to loans | 0.1549% | 5,221 |
| Net loans and leases to total assets | 33.1931% | 5,954 |
| Net loans and leases to deposits | 38.0613% | 5,986 |
| Net loans and leases to core deposits | 39.4946% | 5,990 |
| Total domestic deposits to total assets | 87.2095% | 2,264 |
| Equity capital to assets | 12.6769% | 1,581 |
| Core capital (leverage) ratio | 11.7406% | 1,819 |
| Tier 1 risk-based capital ratio | 32.5951% | 442 |
| Total risk-based capital ratio | 32.5951% | 478 |
| Memoranda: | ||
| Average total assets | $89,029,000 | 4,831 |
| Average earning assets | $81,191,000 | 4,841 |
| Average equity | $10,867,500 | 4,626 |
| Average total loans | $30,486,000 | 5,486 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7265% | 6,250 |
| Cost of funding earning assets | 0.3793% | 3,918 |
| Net interest margin | 2.3471% | 6,250 |
| Noninterest income to average assets | 0.1065% | 6,127 |
| Noninterest expense to average assets | 1.3550% | 6,379 |
| Loan and lease loss provision to assets | 0.0264% | 4,081 |
| Net operating income to assets | 0.8818% | 2,962 |
| Return on assets (ROA) | 0.8828% | 3,044 |
| Pretax return on assets | 0.9004% | 3,900 |
| Return on Equity (ROE) | 7.7300% | 3,256 |
| Retained earnings to average equity (ytd only) | 2.7690% | 4,271 |
| Net charge-offs to loans | 0.1142% | 2,888 |
| Credit loss provision to net charge-offs | 68.5714% | 3,105 |
| Earnings coverage of net charge-offs (x) | 24.0857% | 1,553 |
| Efficiency ratio | 59.4126% | 5,294 |
| Assets per employee ($millions) | 8.3454% | 468 |
| Cash dividends to net income (ytd only)* | 64.1791% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 3,444 |
| Loan loss allowance to noncurrent loans | 2,760.0000% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 5,985 |
| Noncurrent loans to loans | 0.0470% | 5,693 |
| Net loans and leases to total assets | 34.3195% | 6,024 |
| Net loans and leases to deposits | 38.9465% | 6,065 |
| Net loans and leases to core deposits | 40.2980% | 6,093 |
| Total domestic deposits to total assets | 88.1197% | 1,708 |
| Equity capital to assets | 11.7648% | 2,199 |
| Core capital (leverage) ratio | 11.4447% | 2,022 |
| Tier 1 risk-based capital ratio | 28.6369% | 589 |
| Total risk-based capital ratio | 29.8007% | 579 |
| Memoranda: | ||
| Average total assets | $91,069,200 | 4,812 |
| Average earning assets | $84,358,600 | 4,777 |
| Average equity | $10,401,000 | 4,678 |
| Average total loans | $30,637,800 | 5,544 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6946% | 6,332 |
| Cost of funding earning assets | 0.3798% | 4,021 |
| Net interest margin | 2.3149% | 6,333 |
| Noninterest income to average assets | 0.1130% | 6,194 |
| Noninterest expense to average assets | 1.3878% | 6,414 |
| Loan and lease loss provision to assets | 0.0264% | 3,875 |
| Net operating income to assets | 0.8450% | 3,203 |
| Return on assets (ROA) | 0.8464% | 3,287 |
| Pretax return on assets | 0.8641% | 4,129 |
| Return on Equity (ROE) | 7.4681% | 3,460 |
| Retained earnings to average equity (ytd only) | 2.4462% | 4,836 |
| Net charge-offs to loans | 0.1539% | 2,258 |
| Credit loss provision to net charge-offs | 51.4286% | 3,079 |
| Earnings coverage of net charge-offs (x) | 17.3126% | 1,912 |
| Efficiency ratio | 60.9536% | 5,047 |
| Assets per employee ($millions) | 8.2383% | 464 |
| Cash dividends to net income (ytd only)* | 67.2447% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 3,337 |
| Loan loss allowance to noncurrent loans | 2,266.6667% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 6,091 |
| Noncurrent loans to loans | 0.0601% | 5,775 |
| Net loans and leases to total assets | 32.5984% | 6,160 |
| Net loans and leases to deposits | 37.0086% | 6,214 |
| Net loans and leases to core deposits | 38.3047% | 6,229 |
| Total domestic deposits to total assets | 88.0833% | 1,719 |
| Equity capital to assets | 11.7346% | 2,279 |
| Core capital (leverage) ratio | 10.9009% | 2,578 |
| Tier 1 risk-based capital ratio | 28.9345% | 583 |
| Total risk-based capital ratio | 30.1047% | 580 |
| Memoranda: | ||
| Average total assets | $90,886,750 | 4,873 |
| Average earning assets | $84,956,500 | 4,812 |
| Average equity | $10,301,250 | 4,730 |
| Average total loans | $30,317,500 | 5,606 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6821% | 6,399 |
| Cost of funding earning assets | 0.3822% | 4,076 |
| Net interest margin | 2.3000% | 6,407 |
| Noninterest income to average assets | 0.1187% | 6,205 |
| Noninterest expense to average assets | 1.3872% | 6,484 |
| Loan and lease loss provision to assets | 0.0264% | 3,750 |
| Net operating income to assets | 0.8288% | 3,180 |
| Return on assets (ROA) | 0.8288% | 3,277 |
| Pretax return on assets | 0.8486% | 4,081 |
| Return on Equity (ROE) | 7.3992% | 3,417 |
| Retained earnings to average equity (ytd only) | 2.2374% | 4,771 |
| Net charge-offs to loans | 0.2497% | 1,559 |
| Credit loss provision to net charge-offs | 31.5789% | 3,037 |
| Earnings coverage of net charge-offs (x) | 10.4737% | 2,245 |
| Efficiency ratio | 61.3217% | 5,100 |
| Assets per employee ($millions) | 8.4778% | 404 |
| Cash dividends to net income (ytd only)* | 69.7613% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 3,714 |
| Loan loss allowance to noncurrent loans | 2,100.0000% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 6,166 |
| Noncurrent loans to loans | 0.0632% | 5,837 |
| Net loans and leases to total assets | 31.8232% | 6,250 |
| Net loans and leases to deposits | 35.9255% | 6,292 |
| Net loans and leases to core deposits | 37.1390% | 6,303 |
| Total domestic deposits to total assets | 88.5809% | 1,594 |
| Equity capital to assets | 11.2604% | 2,648 |
| Core capital (leverage) ratio | 11.0635% | 2,365 |
| Tier 1 risk-based capital ratio | 28.6905% | 604 |
| Total risk-based capital ratio | 29.8338% | 596 |
| Memoranda: | ||
| Average total assets | $90,975,330 | 4,908 |
| Average earning assets | $84,783,330 | 4,852 |
| Average equity | $10,190,330 | 4,762 |
| Average total loans | $30,440,330 | 5,647 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6671% | 6,486 |
| Cost of funding earning assets | 0.3885% | 4,107 |
| Net interest margin | 2.2786% | 6,488 |
| Noninterest income to average assets | 0.1247% | 6,224 |
| Noninterest expense to average assets | 1.4026% | 6,560 |
| Loan and lease loss provision to assets | 0.0267% | 3,479 |
| Net operating income to assets | 0.8148% | 3,083 |
| Return on assets (ROA) | 0.8148% | 3,154 |
| Pretax return on assets | 0.8371% | 3,948 |
| Return on Equity (ROE) | 7.2945% | 3,313 |
| Retained earnings to average equity (ytd only) | 1.7539% | 4,906 |
| Net charge-offs to loans | -0.0131% | 5,147 |
| Credit loss provision to net charge-offs | -600.0000% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8861% | 5,138 |
| Assets per employee ($millions) | 7.9017% | 509 |
| Cash dividends to net income (ytd only)* | 75.9563% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 3,290 |
| Loan loss allowance to noncurrent loans | 436.3636% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 5,910 |
| Noncurrent loans to loans | 0.3366% | 5,105 |
| Net loans and leases to total assets | 33.3368% | 6,211 |
| Net loans and leases to deposits | 37.8460% | 6,256 |
| Net loans and leases to core deposits | 39.2278% | 6,266 |
| Total domestic deposits to total assets | 88.0855% | 2,187 |
| Equity capital to assets | 11.7535% | 2,052 |
| Core capital (leverage) ratio | 11.1670% | 2,251 |
| Tier 1 risk-based capital ratio | 29.5914% | 544 |
| Total risk-based capital ratio | 30.8413% | 536 |
| Memoranda: | ||
| Average total assets | $89,835,000 | 4,976 |
| Average earning assets | $84,436,500 | 4,903 |
| Average equity | $10,035,000 | 4,809 |
| Average total loans | $30,622,500 | 5,692 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7295% | 6,530 |
| Cost of funding earning assets | 0.4365% | 4,248 |
| Net interest margin | 2.2930% | 6,528 |
| Noninterest income to average assets | 0.1275% | 6,297 |
| Noninterest expense to average assets | 1.2897% | 6,686 |
| Loan and lease loss provision to assets | 0.0259% | 4,611 |
| Net operating income to assets | 0.9624% | 2,507 |
| Return on assets (ROA) | 0.9624% | 2,570 |
| Pretax return on assets | 0.9624% | 3,505 |
| Return on Equity (ROE) | 8.7707% | 2,657 |
| Retained earnings to average equity (ytd only) | 3.7012% | 3,584 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6145% | 5,883 |
| Assets per employee ($millions) | 8.4319% | 402 |
| Cash dividends to net income (ytd only)* | 57.8002% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3349% | 3,955 |
| Loan loss allowance to noncurrent loans | 664.0625% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 6,146 |
| Noncurrent loans to loans | 0.2010% | 5,586 |
| Net loans and leases to total assets | 33.8670% | 6,306 |
| Net loans and leases to deposits | 37.9441% | 6,366 |
| Net loans and leases to core deposits | 39.2111% | 6,389 |
| Total domestic deposits to total assets | 89.2551% | 1,453 |
| Equity capital to assets | 10.6241% | 3,014 |
| Core capital (leverage) ratio | 10.8200% | 2,556 |
| Tier 1 risk-based capital ratio | 27.3809% | 647 |
| Total risk-based capital ratio | 28.5564% | 639 |
| Memoranda: | ||
| Average total assets | $92,577,000 | 4,915 |
| Average earning assets | $86,829,200 | 4,859 |
| Average equity | $10,158,800 | 4,808 |
| Average total loans | $28,581,600 | 5,823 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7632% | 6,594 |
| Cost of funding earning assets | 0.4471% | 4,307 |
| Net interest margin | 2.3162% | 6,576 |
| Noninterest income to average assets | 0.1254% | 6,392 |
| Noninterest expense to average assets | 1.2536% | 6,768 |
| Loan and lease loss provision to assets | 0.0259% | 4,489 |
| Net operating income to assets | 1.0331% | 2,247 |
| Return on assets (ROA) | 1.0331% | 2,328 |
| Pretax return on assets | 1.0331% | 3,361 |
| Return on Equity (ROE) | 9.3403% | 2,465 |
| Retained earnings to average equity (ytd only) | 4.2859% | 3,628 |
| Net charge-offs to loans | 0.0048% | 5,090 |
| Credit loss provision to net charge-offs | 1,800.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 736.8271% | 70 |
| Efficiency ratio | 54.2056% | 6,090 |
| Assets per employee ($millions) | 8.1316% | 441 |
| Cash dividends to net income (ytd only)* | 54.1141% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 3,403 |
| Loan loss allowance to noncurrent loans | 720.6897% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 6,252 |
| Noncurrent loans to loans | 0.2099% | 5,715 |
| Net loans and leases to total assets | 30.4277% | 6,519 |
| Net loans and leases to deposits | 34.3424% | 6,558 |
| Net loans and leases to core deposits | 35.4176% | 6,578 |
| Total domestic deposits to total assets | 88.6012% | 1,784 |
| Equity capital to assets | 11.1808% | 2,586 |
| Core capital (leverage) ratio | 10.5835% | 2,912 |
| Tier 1 risk-based capital ratio | 31.6601% | 449 |
| Total risk-based capital ratio | 32.9327% | 442 |
| Memoranda: | ||
| Average total assets | $92,533,500 | 4,961 |
| Average earning assets | $87,384,000 | 4,887 |
| Average equity | $10,235,000 | 4,839 |
| Average total loans | $27,767,750 | 5,915 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7865% | 6,616 |
| Cost of funding earning assets | 0.4697% | 4,209 |
| Net interest margin | 2.3168% | 6,604 |
| Noninterest income to average assets | 0.1454% | 6,320 |
| Noninterest expense to average assets | 1.1436% | 6,849 |
| Loan and lease loss provision to assets | 0.0257% | 4,406 |
| Net operating income to assets | 1.1479% | 1,753 |
| Return on assets (ROA) | 1.1479% | 1,871 |
| Pretax return on assets | 1.1479% | 2,895 |
| Return on Equity (ROE) | 10.4140% | 2,037 |
| Retained earnings to average equity (ytd only) | 5.3331% | 2,850 |
| Net charge-offs to loans | 0.0072% | 4,742 |
| Credit loss provision to net charge-offs | 1,200.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 549.0000% | 75 |
| Efficiency ratio | 49.3542% | 6,465 |
| Assets per employee ($millions) | 8.2894% | 416 |
| Cash dividends to net income (ytd only)* | 48.7896% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5480% | 3,375 |
| Loan loss allowance to noncurrent loans | 1,471.4286% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 6,436 |
| Noncurrent loans to loans | 0.1052% | 6,081 |
| Net loans and leases to total assets | 28.7367% | 6,614 |
| Net loans and leases to deposits | 32.3782% | 6,650 |
| Net loans and leases to core deposits | 33.3694% | 6,659 |
| Total domestic deposits to total assets | 88.7534% | 1,755 |
| Equity capital to assets | 11.0415% | 2,711 |
| Core capital (leverage) ratio | 10.6382% | 2,728 |
| Tier 1 risk-based capital ratio | 31.5993% | 453 |
| Total risk-based capital ratio | 32.8506% | 445 |
| Memoranda: | ||
| Average total assets | $93,562,000 | 4,973 |
| Average earning assets | $87,707,670 | 4,911 |
| Average equity | $10,313,000 | 4,868 |
| Average total loans | $27,812,000 | 5,944 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8570% | 6,647 |
| Cost of funding earning assets | 0.5090% | 3,988 |
| Net interest margin | 2.3479% | 6,645 |
| Noninterest income to average assets | 0.1182% | 6,509 |
| Noninterest expense to average assets | 1.4733% | 6,767 |
| Loan and lease loss provision to assets | 0.0253% | 4,152 |
| Net operating income to assets | 0.7810% | 3,273 |
| Return on assets (ROA) | 0.7810% | 3,407 |
| Pretax return on assets | 0.7810% | 4,249 |
| Return on Equity (ROE) | 7.0912% | 3,446 |
| Retained earnings to average equity (ytd only) | 1.8399% | 5,077 |
| Net charge-offs to loans | 0.0282% | 3,636 |
| Credit loss provision to net charge-offs | 300.0000% | 789 |
| Earnings coverage of net charge-offs (x) | 95.5000% | 397 |
| Efficiency ratio | 64.6296% | 4,901 |
| Assets per employee ($millions) | 8.5365% | 392 |
| Cash dividends to net income (ytd only)* | 74.0541% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 3,672 |
| Loan loss allowance to noncurrent loans | 1,306.4516% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 6,510 |
| Noncurrent loans to loans | 0.1175% | 6,121 |
| Net loans and leases to total assets | 27.6536% | 6,678 |
| Net loans and leases to deposits | 31.1946% | 6,711 |
| Net loans and leases to core deposits | 32.9501% | 6,697 |
| Total domestic deposits to total assets | 88.6487% | 1,900 |
| Equity capital to assets | 11.1724% | 2,775 |
| Core capital (leverage) ratio | 10.0829% | 3,293 |
| Tier 1 risk-based capital ratio | 30.7977% | 498 |
| Total risk-based capital ratio | 32.0494% | 490 |
| Memoranda: | ||
| Average total assets | $94,751,500 | 4,984 |
| Average earning assets | $87,225,500 | 4,951 |
| Average equity | $10,435,500 | 4,897 |
| Average total loans | $28,410,500 | 5,958 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3053% | 6,577 |
| Cost of funding earning assets | 0.6555% | 3,868 |
| Net interest margin | 2.6498% | 6,587 |
| Noninterest income to average assets | 0.1076% | 6,476 |
| Noninterest expense to average assets | 1.5446% | 6,839 |
| Loan and lease loss provision to assets | 0.0395% | 5,376 |
| Net operating income to assets | 1.0111% | 2,291 |
| Return on assets (ROA) | 1.0111% | 2,505 |
| Pretax return on assets | 1.0264% | 3,453 |
| Return on Equity (ROE) | 8.9633% | 2,655 |
| Retained earnings to average equity (ytd only) | 3.3187% | 3,889 |
| Net charge-offs to loans | 0.3708% | 2,772 |
| Credit loss provision to net charge-offs | 33.6449% | 5,047 |
| Earnings coverage of net charge-offs (x) | 9.0748% | 2,312 |
| Efficiency ratio | 59.1674% | 5,676 |
| Assets per employee ($millions) | 8.6911% | 363 |
| Cash dividends to net income (ytd only)* | 62.9750% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 4,542 |
| Loan loss allowance to noncurrent loans | 978.0488% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 6,536 |
| Noncurrent loans to loans | 0.1347% | 6,146 |
| Net loans and leases to total assets | 31.4303% | 6,648 |
| Net loans and leases to deposits | 35.3045% | 6,703 |
| Net loans and leases to core deposits | 35.8166% | 6,731 |
| Total domestic deposits to total assets | 89.0264% | 1,548 |
| Equity capital to assets | 10.8575% | 3,113 |
| Core capital (leverage) ratio | 10.4392% | 2,839 |
| Tier 1 risk-based capital ratio | 27.5268% | 659 |
| Total risk-based capital ratio | 28.6858% | 645 |
| Memoranda: | ||
| Average total assets | $91,093,000 | 5,055 |
| Average earning assets | $86,044,200 | 4,963 |
| Average equity | $10,275,200 | 4,918 |
| Average total loans | $28,857,000 | 5,999 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3497% | 6,681 |
| Cost of funding earning assets | 0.6798% | 3,940 |
| Net interest margin | 2.6699% | 6,682 |
| Noninterest income to average assets | 0.1097% | 6,589 |
| Noninterest expense to average assets | 1.5946% | 6,879 |
| Loan and lease loss provision to assets | 0.0400% | 5,273 |
| Net operating income to assets | 1.0211% | 2,404 |
| Return on assets (ROA) | 1.0211% | 2,634 |
| Pretax return on assets | 1.0359% | 3,581 |
| Return on Equity (ROE) | 8.9632% | 2,821 |
| Retained earnings to average equity (ytd only) | 3.0831% | 4,703 |
| Net charge-offs to loans | -0.0094% | 6,357 |
| Credit loss provision to net charge-offs | -1,350.0000% | 6,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7114% | 5,545 |
| Assets per employee ($millions) | 8.0588% | 470 |
| Cash dividends to net income (ytd only)* | 65.6024% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8186% | 2,734 |
| Loan loss allowance to noncurrent loans | 218.7773% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 6,051 |
| Noncurrent loans to loans | 0.8313% | 4,753 |
| Net loans and leases to total assets | 30.5109% | 6,799 |
| Net loans and leases to deposits | 34.6859% | 6,845 |
| Net loans and leases to core deposits | 35.3602% | 6,870 |
| Total domestic deposits to total assets | 87.9635% | 2,063 |
| Equity capital to assets | 11.8030% | 2,431 |
| Core capital (leverage) ratio | 10.2576% | 3,213 |
| Tier 1 risk-based capital ratio | 30.4600% | 506 |
| Total risk-based capital ratio | 31.7085% | 495 |
| Memoranda: | ||
| Average total assets | $89,965,750 | 5,143 |
| Average earning assets | $86,293,250 | 5,006 |
| Average equity | $10,249,000 | 4,971 |
| Average total loans | $28,459,000 | 6,092 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3749% | 6,746 |
| Cost of funding earning assets | 0.7022% | 3,998 |
| Net interest margin | 2.6726% | 6,738 |
| Noninterest income to average assets | 0.1062% | 6,644 |
| Noninterest expense to average assets | 1.5818% | 6,947 |
| Loan and lease loss provision to assets | 0.0398% | 5,170 |
| Net operating income to assets | 1.0287% | 2,345 |
| Return on assets (ROA) | 1.0287% | 2,565 |
| Pretax return on assets | 1.0442% | 3,543 |
| Return on Equity (ROE) | 9.1377% | 2,749 |
| Retained earnings to average equity (ytd only) | 2.7118% | 4,818 |
| Net charge-offs to loans | -0.0070% | 6,221 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3361% | 5,690 |
| Assets per employee ($millions) | 8.3071% | 414 |
| Cash dividends to net income (ytd only)* | 70.3226% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7814% | 2,917 |
| Loan loss allowance to noncurrent loans | 160.4575% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3349% | 5,919 |
| Noncurrent loans to loans | 1.1102% | 4,304 |
| Net loans and leases to total assets | 29.6264% | 6,879 |
| Net loans and leases to deposits | 33.4747% | 6,933 |
| Net loans and leases to core deposits | 35.2702% | 6,929 |
| Total domestic deposits to total assets | 88.5038% | 1,812 |
| Equity capital to assets | 11.2981% | 2,793 |
| Core capital (leverage) ratio | 10.1059% | 3,267 |
| Tier 1 risk-based capital ratio | 29.6875% | 532 |
| Total risk-based capital ratio | 30.9393% | 523 |
| Memoranda: | ||
| Average total assets | $90,405,330 | 5,152 |
| Average earning assets | $86,581,000 | 5,032 |
| Average equity | $10,177,670 | 4,990 |
| Average total loans | $28,762,670 | 6,122 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4183% | 6,787 |
| Cost of funding earning assets | 0.7292% | 4,036 |
| Net interest margin | 2.6891% | 6,784 |
| Noninterest income to average assets | 0.1157% | 6,674 |
| Noninterest expense to average assets | 1.5925% | 6,983 |
| Loan and lease loss provision to assets | 0.0400% | 4,886 |
| Net operating income to assets | 1.0454% | 2,305 |
| Return on assets (ROA) | 1.0454% | 2,495 |
| Pretax return on assets | 1.0587% | 3,475 |
| Return on Equity (ROE) | 9.3028% | 2,680 |
| Retained earnings to average equity (ytd only) | 2.6523% | 4,931 |
| Net charge-offs to loans | -0.0136% | 6,048 |
| Credit loss provision to net charge-offs | -900.0000% | 5,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1736% | 5,747 |
| Assets per employee ($millions) | 8.4720% | 392 |
| Cash dividends to net income (ytd only)* | 71.4894% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7403% | 3,192 |
| Loan loss allowance to noncurrent loans | 161.7450% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 6,092 |
| Noncurrent loans to loans | 1.0760% | 4,548 |
| Net loans and leases to total assets | 29.2021% | 6,941 |
| Net loans and leases to deposits | 32.8299% | 6,987 |
| Net loans and leases to core deposits | 34.5425% | 6,980 |
| Total domestic deposits to total assets | 88.9497% | 1,728 |
| Equity capital to assets | 10.8904% | 3,040 |
| Core capital (leverage) ratio | 9.9498% | 3,427 |
| Tier 1 risk-based capital ratio | 29.1394% | 564 |
| Total risk-based capital ratio | 30.3963% | 556 |
| Memoranda: | ||
| Average total assets | $89,919,000 | 5,211 |
| Average earning assets | $86,124,500 | 5,078 |
| Average equity | $10,104,500 | 5,015 |
| Average total loans | $29,362,500 | 6,143 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8337% | 6,691 |
| Cost of funding earning assets | 0.9513% | 3,714 |
| Net interest margin | 2.8824% | 6,717 |
| Noninterest income to average assets | 0.1116% | 6,591 |
| Noninterest expense to average assets | 1.6003% | 7,122 |
| Loan and lease loss provision to assets | 0.0569% | 5,886 |
| Net operating income to assets | 1.2085% | 1,492 |
| Return on assets (ROA) | 1.2141% | 1,582 |
| Pretax return on assets | 1.2141% | 2,404 |
| Return on Equity (ROE) | 10.9257% | 1,716 |
| Retained earnings to average equity (ytd only) | 4.3354% | 3,100 |
| Net charge-offs to loans | 0.0553% | 5,764 |
| Credit loss provision to net charge-offs | 294.1176% | 806 |
| Earnings coverage of net charge-offs (x) | 65.3529% | 455 |
| Efficiency ratio | 55.8426% | 6,330 |
| Assets per employee ($millions) | 7.8769% | 495 |
| Cash dividends to net income (ytd only)* | 60.3189% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5212% | 3,928 |
| Loan loss allowance to noncurrent loans | 337.1429% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 6,542 |
| Noncurrent loans to loans | 0.4512% | 5,803 |
| Net loans and leases to total assets | 35.2665% | 6,801 |
| Net loans and leases to deposits | 40.4332% | 6,860 |
| Net loans and leases to core deposits | 42.1714% | 6,881 |
| Total domestic deposits to total assets | 87.2216% | 2,631 |
| Equity capital to assets | 11.6105% | 2,413 |
| Core capital (leverage) ratio | 10.3366% | 2,928 |
| Tier 1 risk-based capital ratio | 27.4677% | 665 |
| Total risk-based capital ratio | 28.7210% | 653 |
| Memoranda: | ||
| Average total assets | $87,798,400 | 5,244 |
| Average earning assets | $83,887,400 | 5,123 |
| Average equity | $9,756,800 | 5,083 |
| Average total loans | $30,742,000 | 6,131 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8896% | 6,743 |
| Cost of funding earning assets | 1.0007% | 3,671 |
| Net interest margin | 2.8889% | 6,765 |
| Noninterest income to average assets | 0.1165% | 6,679 |
| Noninterest expense to average assets | 1.5954% | 7,171 |
| Loan and lease loss provision to assets | 0.0409% | 5,928 |
| Net operating income to assets | 1.2245% | 1,589 |
| Return on assets (ROA) | 1.2276% | 1,686 |
| Pretax return on assets | 1.2276% | 2,531 |
| Return on Equity (ROE) | 11.1694% | 1,795 |
| Retained earnings to average equity (ytd only) | 4.5036% | 3,519 |
| Net charge-offs to loans | 0.0739% | 5,220 |
| Credit loss provision to net charge-offs | 158.8235% | 1,945 |
| Earnings coverage of net charge-offs (x) | 49.1681% | 654 |
| Efficiency ratio | 55.7672% | 6,312 |
| Assets per employee ($millions) | 7.8768% | 494 |
| Cash dividends to net income (ytd only)* | 59.6795% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5045% | 4,067 |
| Loan loss allowance to noncurrent loans | 261.0465% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 6,566 |
| Noncurrent loans to loans | 0.5763% | 5,724 |
| Net loans and leases to total assets | 33.9246% | 6,956 |
| Net loans and leases to deposits | 38.4910% | 7,022 |
| Net loans and leases to core deposits | 40.1239% | 7,038 |
| Total domestic deposits to total assets | 88.1366% | 1,964 |
| Equity capital to assets | 11.6014% | 2,585 |
| Core capital (leverage) ratio | 10.1553% | 3,237 |
| Tier 1 risk-based capital ratio | 27.7474% | 677 |
| Total risk-based capital ratio | 28.9994% | 661 |
| Memoranda: | ||
| Average total assets | $88,086,500 | 5,268 |
| Average earning assets | $83,674,500 | 5,169 |
| Average equity | $9,681,000 | 5,133 |
| Average total loans | $30,670,250 | 6,187 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8902% | 6,816 |
| Cost of funding earning assets | 1.0396% | 3,673 |
| Net interest margin | 2.8506% | 6,861 |
| Noninterest income to average assets | 0.1197% | 6,730 |
| Noninterest expense to average assets | 1.5988% | 7,253 |
| Loan and lease loss provision to assets | 0.0406% | 5,801 |
| Net operating income to assets | 1.1923% | 1,595 |
| Return on assets (ROA) | 1.1968% | 1,663 |
| Pretax return on assets | 1.1968% | 2,497 |
| Return on Equity (ROE) | 11.0910% | 1,768 |
| Retained earnings to average equity (ytd only) | 4.2899% | 3,470 |
| Net charge-offs to loans | 0.1163% | 4,539 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 30.3333% | 910 |
| Efficiency ratio | 56.4593% | 6,371 |
| Assets per employee ($millions) | 8.1353% | 432 |
| Cash dividends to net income (ytd only)* | 61.3208% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4670% | 4,272 |
| Loan loss allowance to noncurrent loans | 2,438.8889% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 7,063 |
| Noncurrent loans to loans | 0.0602% | 6,835 |
| Net loans and leases to total assets | 32.9486% | 7,079 |
| Net loans and leases to deposits | 37.1479% | 7,148 |
| Net loans and leases to core deposits | 38.9920% | 7,143 |
| Total domestic deposits to total assets | 88.6957% | 1,720 |
| Equity capital to assets | 11.0518% | 2,903 |
| Core capital (leverage) ratio | 10.0113% | 3,246 |
| Tier 1 risk-based capital ratio | 27.5974% | 690 |
| Total risk-based capital ratio | 28.8472% | 672 |
| Memoranda: | ||
| Average total assets | $88,567,000 | 5,297 |
| Average earning assets | $84,263,330 | 5,184 |
| Average equity | $9,557,330 | 5,169 |
| Average total loans | $30,946,000 | 6,244 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8871% | 6,837 |
| Cost of funding earning assets | 1.0962% | 3,551 |
| Net interest margin | 2.7909% | 6,917 |
| Noninterest income to average assets | 0.1180% | 6,821 |
| Noninterest expense to average assets | 1.6162% | 7,294 |
| Loan and lease loss provision to assets | 0.0409% | 5,482 |
| Net operating income to assets | 1.1078% | 1,814 |
| Return on assets (ROA) | 1.1168% | 1,829 |
| Pretax return on assets | 1.1168% | 2,692 |
| Return on Equity (ROE) | 10.4781% | 1,917 |
| Retained earnings to average equity (ytd only) | 3.4075% | 4,148 |
| Net charge-offs to loans | 0.2416% | 3,111 |
| Credit loss provision to net charge-offs | 47.3684% | 3,809 |
| Earnings coverage of net charge-offs (x) | 13.3158% | 1,445 |
| Efficiency ratio | 58.4565% | 6,208 |
| Assets per employee ($millions) | 8.1631% | 442 |
| Cash dividends to net income (ytd only)* | 67.4797% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4271% | 4,533 |
| Loan loss allowance to noncurrent loans | 2,257.8947% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 7,130 |
| Noncurrent loans to loans | 0.0632% | 6,891 |
| Net loans and leases to total assets | 33.0000% | 7,124 |
| Net loans and leases to deposits | 36.9679% | 7,195 |
| Net loans and leases to core deposits | 38.9347% | 7,195 |
| Total domestic deposits to total assets | 89.2665% | 1,601 |
| Equity capital to assets | 10.5319% | 3,149 |
| Core capital (leverage) ratio | 9.8189% | 3,365 |
| Tier 1 risk-based capital ratio | 27.0999% | 695 |
| Total risk-based capital ratio | 28.3507% | 682 |
| Memoranda: | ||
| Average total assets | $88,106,500 | 5,350 |
| Average earning assets | $83,558,000 | 5,247 |
| Average equity | $9,391,000 | 5,209 |
| Average total loans | $31,457,000 | 6,270 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2831% | 6,815 |
| Cost of funding earning assets | 1.3971% | 3,291 |
| Net interest margin | 2.8860% | 6,916 |
| Noninterest income to average assets | 0.1085% | 6,852 |
| Noninterest expense to average assets | 1.6175% | 7,398 |
| Loan and lease loss provision to assets | 0.0466% | 6,698 |
| Net operating income to assets | 1.1953% | 1,424 |
| Return on assets (ROA) | 1.2338% | 1,407 |
| Pretax return on assets | 1.2338% | 2,127 |
| Return on Equity (ROE) | 11.5298% | 1,438 |
| Retained earnings to average equity (ytd only) | 4.5880% | 2,671 |
| Net charge-offs to loans | 0.0634% | 6,159 |
| Credit loss provision to net charge-offs | 190.4762% | 1,691 |
| Earnings coverage of net charge-offs (x) | 50.7143% | 458 |
| Efficiency ratio | 56.5661% | 6,514 |
| Assets per employee ($millions) | 7.8563% | 505 |
| Cash dividends to net income (ytd only)* | 60.2079% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 4,819 |
| Loan loss allowance to noncurrent loans | 229.8429% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.2210% | 6,683 |
| Noncurrent loans to loans | 0.5814% | 5,892 |
| Net loans and leases to total assets | 37.5080% | 7,095 |
| Net loans and leases to deposits | 42.1191% | 7,177 |
| Net loans and leases to core deposits | 44.4527% | 7,186 |
| Total domestic deposits to total assets | 89.0522% | 1,623 |
| Equity capital to assets | 10.7905% | 2,867 |
| Core capital (leverage) ratio | 10.1887% | 2,877 |
| Tier 1 risk-based capital ratio | 25.7186% | 781 |
| Total risk-based capital ratio | 26.9693% | 761 |
| Memoranda: | ||
| Average total assets | $85,751,400 | 5,416 |
| Average earning assets | $81,740,200 | 5,285 |
| Average equity | $9,176,200 | 5,367 |
| Average total loans | $33,129,800 | 6,254 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3420% | 6,907 |
| Cost of funding earning assets | 1.4588% | 3,225 |
| Net interest margin | 2.8832% | 7,031 |
| Noninterest income to average assets | 0.1106% | 6,991 |
| Noninterest expense to average assets | 1.6529% | 7,465 |
| Loan and lease loss provision to assets | 0.0358% | 6,725 |
| Net operating income to assets | 1.1653% | 1,690 |
| Return on assets (ROA) | 1.2167% | 1,623 |
| Pretax return on assets | 1.2167% | 2,433 |
| Return on Equity (ROE) | 11.3941% | 1,677 |
| Retained earnings to average equity (ytd only) | 4.4351% | 3,381 |
| Net charge-offs to loans | 0.0843% | 5,688 |
| Credit loss provision to net charge-offs | 109.5238% | 3,879 |
| Earnings coverage of net charge-offs (x) | 36.7132% | 744 |
| Efficiency ratio | 57.9148% | 6,285 |
| Assets per employee ($millions) | 7.8846% | 530 |
| Cash dividends to net income (ytd only)* | 61.0750% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 5,131 |
| Loan loss allowance to noncurrent loans | 219.7917% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 6,809 |
| Noncurrent loans to loans | 0.5763% | 6,055 |
| Net loans and leases to total assets | 37.9265% | 7,185 |
| Net loans and leases to deposits | 42.8118% | 7,279 |
| Net loans and leases to core deposits | 45.3748% | 7,279 |
| Total domestic deposits to total assets | 88.5889% | 1,635 |
| Equity capital to assets | 11.0848% | 2,870 |
| Core capital (leverage) ratio | 10.1088% | 3,139 |
| Tier 1 risk-based capital ratio | 25.2490% | 845 |
| Total risk-based capital ratio | 26.4818% | 825 |
| Memoranda: | ||
| Average total assets | $85,584,500 | 5,481 |
| Average earning assets | $81,434,250 | 5,359 |
| Average equity | $9,139,000 | 5,457 |
| Average total loans | $33,199,000 | 6,335 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3205% | 7,013 |
| Cost of funding earning assets | 1.5053% | 3,229 |
| Net interest margin | 2.8151% | 7,123 |
| Noninterest income to average assets | 0.0962% | 7,112 |
| Noninterest expense to average assets | 1.6643% | 7,527 |
| Loan and lease loss provision to assets | 0.0352% | 6,604 |
| Net operating income to assets | 1.1009% | 1,853 |
| Return on assets (ROA) | 1.1784% | 1,682 |
| Pretax return on assets | 1.1784% | 2,483 |
| Return on Equity (ROE) | 11.1796% | 1,695 |
| Retained earnings to average equity (ytd only) | 4.0531% | 3,504 |
| Net charge-offs to loans | 0.0302% | 5,919 |
| Credit loss provision to net charge-offs | 300.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 96.8000% | 338 |
| Efficiency ratio | 59.4300% | 6,157 |
| Assets per employee ($millions) | 7.8952% | 522 |
| Cash dividends to net income (ytd only)* | 63.7450% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 4,864 |
| Loan loss allowance to noncurrent loans | 2,263.1579% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 7,350 |
| Noncurrent loans to loans | 0.0578% | 7,175 |
| Net loans and leases to total assets | 37.3519% | 7,297 |
| Net loans and leases to deposits | 41.9613% | 7,396 |
| Net loans and leases to core deposits | 44.4565% | 7,394 |
| Total domestic deposits to total assets | 89.0152% | 1,431 |
| Equity capital to assets | 10.7119% | 3,165 |
| Core capital (leverage) ratio | 10.0582% | 3,104 |
| Tier 1 risk-based capital ratio | 24.9539% | 847 |
| Total risk-based capital ratio | 26.2131% | 829 |
| Memoranda: | ||
| Average total assets | $85,202,330 | 5,526 |
| Average earning assets | $81,843,000 | 5,377 |
| Average equity | $8,980,670 | 5,511 |
| Average total loans | $33,160,000 | 6,376 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3327% | 7,085 |
| Cost of funding earning assets | 1.5562% | 3,230 |
| Net interest margin | 2.7765% | 7,217 |
| Noninterest income to average assets | 0.1138% | 7,122 |
| Noninterest expense to average assets | 1.7113% | 7,570 |
| Loan and lease loss provision to assets | 0.0379% | 6,295 |
| Net operating income to assets | 1.0287% | 2,072 |
| Return on assets (ROA) | 1.0998% | 1,912 |
| Pretax return on assets | 1.0998% | 2,732 |
| Return on Equity (ROE) | 10.5221% | 1,936 |
| Retained earnings to average equity (ytd only) | 3.0387% | 4,316 |
| Net charge-offs to loans | 0.0841% | 4,586 |
| Credit loss provision to net charge-offs | 114.2857% | 3,041 |
| Earnings coverage of net charge-offs (x) | 32.1429% | 835 |
| Efficiency ratio | 61.6041% | 5,898 |
| Assets per employee ($millions) | 7.7235% | 582 |
| Cash dividends to net income (ytd only)* | 71.1207% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 4,963 |
| Loan loss allowance to noncurrent loans | 2,105.0000% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 7,432 |
| Noncurrent loans to loans | 0.0615% | 7,247 |
| Net loans and leases to total assets | 37.7759% | 7,356 |
| Net loans and leases to deposits | 42.3013% | 7,452 |
| Net loans and leases to core deposits | 44.7029% | 7,465 |
| Total domestic deposits to total assets | 89.3019% | 1,365 |
| Equity capital to assets | 10.4439% | 3,301 |
| Core capital (leverage) ratio | 10.0149% | 3,149 |
| Tier 1 risk-based capital ratio | 24.8250% | 887 |
| Total risk-based capital ratio | 26.0683% | 862 |
| Memoranda: | ||
| Average total assets | $84,380,000 | 5,618 |
| Average earning assets | $80,966,500 | 5,471 |
| Average equity | $8,819,500 | 5,585 |
| Average total loans | $33,305,500 | 6,447 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8760% | 6,767 |
| Cost of funding earning assets | 1.9426% | 3,246 |
| Net interest margin | 2.9335% | 6,794 |
| Noninterest income to average assets | 0.1040% | 7,249 |
| Noninterest expense to average assets | 1.7015% | 7,703 |
| Loan and lease loss provision to assets | 0.0367% | 7,173 |
| Net operating income to assets | 1.1976% | 1,253 |
| Return on assets (ROA) | 1.1413% | 1,434 |
| Pretax return on assets | 1.1413% | 2,122 |
| Return on Equity (ROE) | 10.8861% | 1,456 |
| Retained earnings to average equity (ytd only) | 3.3953% | 2,791 |
| Net charge-offs to loans | 0.1143% | 6,023 |
| Credit loss provision to net charge-offs | 78.9474% | 6,309 |
| Earnings coverage of net charge-offs (x) | 26.5526% | 852 |
| Efficiency ratio | 57.9583% | 6,763 |
| Assets per employee ($millions) | 7.6183% | 599 |
| Cash dividends to net income (ytd only)* | 68.8103% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 5,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 40.1857% | 7,340 |
| Net loans and leases to deposits | 44.9787% | 7,482 |
| Net loans and leases to core deposits | 61.1113% | 7,224 |
| Total domestic deposits to total assets | 89.3438% | 1,302 |
| Equity capital to assets | 10.4605% | 3,226 |
| Core capital (leverage) ratio | 10.0130% | 3,076 |
| Tier 1 risk-based capital ratio | 23.6942% | 974 |
| Total risk-based capital ratio | 24.8878% | 962 |
| Memoranda: | ||
| Average total assets | $81,749,800 | 5,675 |
| Average earning assets | $78,916,800 | 5,492 |
| Average equity | $8,570,600 | 5,742 |
| Average total loans | $33,253,400 | 6,451 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9706% | 6,698 |
| Cost of funding earning assets | 2.0120% | 3,292 |
| Net interest margin | 2.9586% | 6,709 |
| Noninterest income to average assets | 0.1247% | 7,262 |
| Noninterest expense to average assets | 1.7496% | 7,710 |
| Loan and lease loss provision to assets | 0.0361% | 6,993 |
| Net operating income to assets | 1.1965% | 1,476 |
| Return on assets (ROA) | 1.1965% | 1,535 |
| Pretax return on assets | 1.1965% | 2,275 |
| Return on Equity (ROE) | 11.4059% | 1,513 |
| Retained earnings to average equity (ytd only) | 3.8958% | 3,117 |
| Net charge-offs to loans | 0.1533% | 5,183 |
| Credit loss provision to net charge-offs | 57.8947% | 6,202 |
| Earnings coverage of net charge-offs (x) | 19.7614% | 1,269 |
| Efficiency ratio | 58.6681% | 6,619 |
| Assets per employee ($millions) | 7.4517% | 645 |
| Cash dividends to net income (ytd only)* | 65.8429% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 4,739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 39.3222% | 7,489 |
| Net loans and leases to deposits | 44.3283% | 7,611 |
| Net loans and leases to core deposits | 59.6800% | 7,413 |
| Total domestic deposits to total assets | 88.7067% | 1,336 |
| Equity capital to assets | 10.8407% | 3,177 |
| Core capital (leverage) ratio | 10.0542% | 3,230 |
| Tier 1 risk-based capital ratio | 24.6603% | 931 |
| Total risk-based capital ratio | 25.8852% | 912 |
| Memoranda: | ||
| Average total assets | $81,237,000 | 5,723 |
| Average earning assets | $78,459,750 | 5,541 |
| Average equity | $8,521,750 | 5,816 |
| Average total loans | $33,042,750 | 6,508 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0888% | 6,480 |
| Cost of funding earning assets | 2.0468% | 3,537 |
| Net interest margin | 3.0420% | 6,429 |
| Noninterest income to average assets | 0.1062% | 7,445 |
| Noninterest expense to average assets | 1.7557% | 7,787 |
| Loan and lease loss provision to assets | 0.0370% | 6,869 |
| Net operating income to assets | 1.2495% | 1,358 |
| Return on assets (ROA) | 1.2495% | 1,431 |
| Pretax return on assets | 1.2495% | 2,163 |
| Return on Equity (ROE) | 12.0471% | 1,395 |
| Retained earnings to average equity (ytd only) | 4.3094% | 2,902 |
| Net charge-offs to loans | 0.2291% | 4,066 |
| Credit loss provision to net charge-offs | 39.4737% | 5,911 |
| Earnings coverage of net charge-offs (x) | 13.7105% | 1,718 |
| Efficiency ratio | 57.7110% | 6,906 |
| Assets per employee ($millions) | 7.4897% | 619 |
| Cash dividends to net income (ytd only)* | 64.2292% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 4,532 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 38.5158% | 7,622 |
| Net loans and leases to deposits | 43.2593% | 7,725 |
| Net loans and leases to core deposits | 57.6118% | 7,535 |
| Total domestic deposits to total assets | 89.0347% | 1,252 |
| Equity capital to assets | 10.3475% | 3,568 |
| Core capital (leverage) ratio | 10.0284% | 3,267 |
| Tier 1 risk-based capital ratio | 24.9228% | 947 |
| Total risk-based capital ratio | 26.1495% | 934 |
| Memoranda: | ||
| Average total assets | $80,993,000 | 5,761 |
| Average earning assets | $78,172,330 | 5,592 |
| Average equity | $8,400,330 | 5,881 |
| Average total loans | $33,175,670 | 6,544 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2624% | 6,059 |
| Cost of funding earning assets | 2.1153% | 3,577 |
| Net interest margin | 3.1471% | 6,032 |
| Noninterest income to average assets | 0.1146% | 7,455 |
| Noninterest expense to average assets | 1.7635% | 7,745 |
| Loan and lease loss provision to assets | 0.0349% | 6,504 |
| Net operating income to assets | 1.3400% | 1,285 |
| Return on assets (ROA) | 1.3400% | 1,382 |
| Pretax return on assets | 1.3400% | 2,149 |
| Return on Equity (ROE) | 12.9048% | 1,418 |
| Retained earnings to average equity (ytd only) | 4.9412% | 3,163 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1905% | 6,950 |
| Assets per employee ($millions) | 7.3364% | 664 |
| Cash dividends to net income (ytd only)* | 61.7100% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 3,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 40.1264% | 7,561 |
| Net loans and leases to deposits | 45.0557% | 7,688 |
| Net loans and leases to core deposits | 59.2448% | 7,485 |
| Total domestic deposits to total assets | 89.0595% | 1,202 |
| Equity capital to assets | 10.5737% | 3,391 |
| Core capital (leverage) ratio | 10.0750% | 3,318 |
| Tier 1 risk-based capital ratio | 23.7478% | 1,112 |
| Total risk-based capital ratio | 25.0153% | 1,084 |
| Memoranda: | ||
| Average total assets | $80,296,000 | 5,811 |
| Average earning assets | $77,151,000 | 5,649 |
| Average equity | $8,338,000 | 5,940 |
| Average total loans | $33,695,000 | 6,554 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5213% | 7,248 |
| Cost of funding earning assets | 2.6352% | 3,507 |
| Net interest margin | 2.8861% | 7,182 |
| Noninterest income to average assets | 0.1281% | 7,471 |
| Noninterest expense to average assets | 1.5984% | 7,965 |
| Loan and lease loss provision to assets | 0.0381% | 6,936 |
| Net operating income to assets | 1.2648% | 1,584 |
| Return on assets (ROA) | 1.2635% | 1,537 |
| Pretax return on assets | 1.2635% | 2,430 |
| Return on Equity (ROE) | 12.3939% | 1,483 |
| Retained earnings to average equity (ytd only) | 4.3677% | 2,402 |
| Net charge-offs to loans | -0.0301% | 7,974 |
| Credit loss provision to net charge-offs | -300.0000% | 7,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0940% | 7,141 |
| Assets per employee ($millions) | 7.2629% | 628 |
| Cash dividends to net income (ytd only)* | 64.7590% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 4,248 |
| Loan loss allowance to noncurrent loans | 648.4848% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 7,239 |
| Noncurrent loans to loans | 0.1909% | 6,818 |
| Net loans and leases to total assets | 42.7389% | 7,546 |
| Net loans and leases to deposits | 48.0097% | 7,708 |
| Net loans and leases to core deposits | 62.9482% | 7,476 |
| Total domestic deposits to total assets | 89.0214% | 1,032 |
| Equity capital to assets | 10.1925% | 3,815 |
| Core capital (leverage) ratio | 10.0207% | 3,426 |
| Tier 1 risk-based capital ratio | 22.6147% | 1,236 |
| Total risk-based capital ratio | 23.8176% | 1,215 |
| Memoranda: | ||
| Average total assets | $78,827,200 | 5,735 |
| Average earning assets | $75,742,800 | 5,598 |
| Average equity | $8,036,200 | 6,075 |
| Average total loans | $33,238,800 | 6,528 |