Home > Stock Growers Bank > Performance and Condition Ratios
Stock Growers Bank, Performance and Condition Ratios
| 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 | 4.1046% | 3,044 |
| Cost of funding earning assets | 0.6696% | 2,562 |
| Net interest margin | 3.4350% | 2,991 |
| Noninterest income to average assets | 0.0730% | 4,858 |
| Noninterest expense to average assets | 1.5824% | 4,791 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7109% | 608 |
| Return on assets (ROA) | 1.7459% | 614 |
| Pretax return on assets | 1.7459% | 900 |
| Return on Equity (ROE) | 16.8601% | 468 |
| Retained earnings to average equity (ytd only) | -22.6117% | 5,015 |
| Net charge-offs to loans | 0.0468% | 1,818 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 73.2500% | 854 |
| Efficiency ratio | 48.0496% | 4,624 |
| Assets per employee ($millions) | 7.5094% | 1,175 |
| Cash dividends to net income (ytd only)* | 234.1137% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 3,981 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 52.4732% | 3,996 |
| Net loans and leases to deposits | 58.9191% | 4,173 |
| Net loans and leases to core deposits | 61.4255% | 4,194 |
| Total domestic deposits to total assets | 89.0597% | 723 |
| Equity capital to assets | 10.8264% | 2,482 |
| Core capital (leverage) ratio | 9.6333% | 3,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,502,000 | 4,427 |
| Average earning assets | $64,221,000 | 4,406 |
| Average equity | $7,093,667 | 4,554 |
| Average total loans | $34,218,333 | 4,471 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9007% | 4,033 |
| Cost of funding earning assets | 0.6862% | 2,987 |
| Net interest margin | 3.2145% | 3,820 |
| Noninterest income to average assets | 0.0986% | 4,831 |
| Noninterest expense to average assets | 1.5023% | 4,923 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6125% | 612 |
| Return on assets (ROA) | 1.6821% | 585 |
| Pretax return on assets | 1.6821% | 883 |
| Return on Equity (ROE) | 16.6142% | 372 |
| Retained earnings to average equity (ytd only) | -63.5921% | 5,096 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2309% | 4,745 |
| Assets per employee ($millions) | 7.4232% | 927 |
| Cash dividends to net income (ytd only)* | 482.7586% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 3,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 50.3076% | 4,227 |
| Net loans and leases to deposits | 55.5299% | 4,386 |
| Net loans and leases to core deposits | 57.8635% | 4,436 |
| Total domestic deposits to total assets | 90.5956% | 168 |
| Equity capital to assets | 9.2907% | 4,401 |
| Core capital (leverage) ratio | 9.2917% | 4,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,960,500 | 4,428 |
| Average earning assets | $64,706,000 | 4,406 |
| Average equity | $6,982,000 | 4,601 |
| Average total loans | $33,433,500 | 4,522 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1809% | 3,854 |
| Cost of funding earning assets | 0.6533% | 3,395 |
| Net interest margin | 3.5276% | 3,353 |
| Noninterest income to average assets | 0.1359% | 4,796 |
| Noninterest expense to average assets | 1.8363% | 4,731 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6288% | 782 |
| Return on assets (ROA) | 1.6288% | 835 |
| Pretax return on assets | 1.6288% | 1,404 |
| Return on Equity (ROE) | 11.7633% | 1,599 |
| Retained earnings to average equity (ytd only) | -23.8177% | 5,147 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9944% | 4,524 |
| Assets per employee ($millions) | 7.9013% | 742 |
| Cash dividends to net income (ytd only)* | 302.4748% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 3,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 45.8333% | 4,529 |
| Net loans and leases to deposits | 51.5370% | 4,624 |
| Net loans and leases to core deposits | 54.1088% | 4,646 |
| Total domestic deposits to total assets | 88.9330% | 694 |
| Equity capital to assets | 10.9081% | 3,086 |
| Core capital (leverage) ratio | 10.6216% | 2,833 |
| Tier 1 risk-based capital ratio | 14.2594% | 3,138 |
| Total risk-based capital ratio | 14.9167% | 3,332 |
| Memoranda: | ||
| Average total assets | $66,982,600 | 4,482 |
| Average earning assets | $63,216,600 | 4,456 |
| Average equity | $9,274,600 | 4,335 |
| Average total loans | $33,158,200 | 4,575 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2620% | 3,773 |
| Cost of funding earning assets | 0.6407% | 3,500 |
| Net interest margin | 3.6213% | 3,191 |
| Noninterest income to average assets | 0.2284% | 4,369 |
| Noninterest expense to average assets | 1.6517% | 4,961 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9934% | 402 |
| Return on assets (ROA) | 1.9934% | 418 |
| Pretax return on assets | 1.9934% | 698 |
| Return on Equity (ROE) | 13.6175% | 1,073 |
| Retained earnings to average equity (ytd only) | 3.9499% | 3,424 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3134% | 4,963 |
| Assets per employee ($millions) | 8.1309% | 664 |
| Cash dividends to net income (ytd only)* | 70.9941% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 3,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 51.3244% | 4,351 |
| Net loans and leases to deposits | 61.1022% | 4,339 |
| Net loans and leases to core deposits | 64.6608% | 4,340 |
| Total domestic deposits to total assets | 83.9977% | 2,829 |
| Equity capital to assets | 15.8578% | 664 |
| Core capital (leverage) ratio | 15.5028% | 642 |
| Tier 1 risk-based capital ratio | 21.6137% | 1,121 |
| Total risk-based capital ratio | 22.3537% | 1,164 |
| Memoranda: | ||
| Average total assets | $65,950,250 | 4,556 |
| Average earning assets | $62,223,250 | 4,529 |
| Average equity | $9,654,000 | 4,332 |
| Average total loans | $33,216,500 | 4,633 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2199% | 3,871 |
| Cost of funding earning assets | 0.6129% | 3,587 |
| Net interest margin | 3.6070% | 3,232 |
| Noninterest income to average assets | 0.1691% | 4,741 |
| Noninterest expense to average assets | 1.6634% | 5,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8988% | 485 |
| Return on assets (ROA) | 1.8988% | 505 |
| Pretax return on assets | 1.8988% | 839 |
| Return on Equity (ROE) | 13.3352% | 1,145 |
| Retained earnings to average equity (ytd only) | -1.5052% | 4,878 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6949% | 4,957 |
| Assets per employee ($millions) | 7.9248% | 691 |
| Cash dividends to net income (ytd only)* | 111.2878% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 3,825 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 53.9575% | 4,212 |
| Net loans and leases to deposits | 64.4741% | 4,199 |
| Net loans and leases to core deposits | 68.3244% | 4,191 |
| Total domestic deposits to total assets | 83.6888% | 2,982 |
| Equity capital to assets | 15.4737% | 715 |
| Core capital (leverage) ratio | 14.6145% | 794 |
| Tier 1 risk-based capital ratio | 21.5799% | 1,109 |
| Total risk-based capital ratio | 22.3470% | 1,149 |
| Memoranda: | ||
| Average total assets | $66,251,330 | 4,583 |
| Average earning assets | $62,323,670 | 4,555 |
| Average equity | $9,433,670 | 4,378 |
| Average total loans | $33,049,670 | 4,676 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1043% | 4,115 |
| Cost of funding earning assets | 0.5700% | 3,733 |
| Net interest margin | 3.5343% | 3,486 |
| Noninterest income to average assets | 0.1655% | 4,749 |
| Noninterest expense to average assets | 1.6017% | 5,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8618% | 496 |
| Return on assets (ROA) | 1.8618% | 511 |
| Pretax return on assets | 1.8618% | 857 |
| Return on Equity (ROE) | 13.6283% | 1,046 |
| Retained earnings to average equity (ytd only) | -16.6568% | 5,227 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2457% | 5,016 |
| Assets per employee ($millions) | 7.2568% | 894 |
| Cash dividends to net income (ytd only)* | 222.2222% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 3,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 48.7896% | 4,539 |
| Net loans and leases to deposits | 56.8865% | 4,557 |
| Net loans and leases to core deposits | 59.7405% | 4,570 |
| Total domestic deposits to total assets | 85.7666% | 2,379 |
| Equity capital to assets | 14.1385% | 991 |
| Core capital (leverage) ratio | 13.9473% | 970 |
| Tier 1 risk-based capital ratio | 20.4240% | 1,259 |
| Total risk-based capital ratio | 21.1753% | 1,330 |
| Memoranda: | ||
| Average total assets | $67,678,000 | 4,608 |
| Average earning assets | $63,153,000 | 4,591 |
| Average equity | $9,245,500 | 4,433 |
| Average total loans | $32,304,500 | 4,744 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9922% | 4,052 |
| Cost of funding earning assets | 0.4650% | 3,579 |
| Net interest margin | 3.5272% | 3,612 |
| Noninterest income to average assets | 0.2434% | 4,463 |
| Noninterest expense to average assets | 1.8282% | 4,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.7263% | 647 |
| Return on assets (ROA) | 1.7491% | 610 |
| Pretax return on assets | 1.7491% | 1,050 |
| Return on Equity (ROE) | 13.1435% | 1,290 |
| Retained earnings to average equity (ytd only) | 7.4175% | 1,497 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4335% | 4,846 |
| Assets per employee ($millions) | 8.7556% | 504 |
| Cash dividends to net income (ytd only)* | 43.5652% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,531 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 45.7991% | 4,746 |
| Net loans and leases to deposits | 52.8544% | 4,792 |
| Net loans and leases to core deposits | 55.2789% | 4,804 |
| Total domestic deposits to total assets | 86.6514% | 1,942 |
| Equity capital to assets | 13.2158% | 1,246 |
| Core capital (leverage) ratio | 14.2167% | 864 |
| Tier 1 risk-based capital ratio | 19.9314% | 1,320 |
| Total risk-based capital ratio | 20.6345% | 1,390 |
| Memoranda: | ||
| Average total assets | $65,747,200 | 4,661 |
| Average earning assets | $61,720,200 | 4,635 |
| Average equity | $8,749,600 | 4,491 |
| Average total loans | $32,120,400 | 4,765 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9688% | 4,026 |
| Cost of funding earning assets | 0.4519% | 3,510 |
| Net interest margin | 3.5169% | 3,639 |
| Noninterest income to average assets | 0.2680% | 4,359 |
| Noninterest expense to average assets | 1.6349% | 5,182 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9544% | 432 |
| Return on assets (ROA) | 1.9544% | 427 |
| Pretax return on assets | 1.9544% | 718 |
| Return on Equity (ROE) | 14.6585% | 946 |
| Retained earnings to average equity (ytd only) | 6.9118% | 2,173 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5485% | 5,164 |
| Assets per employee ($millions) | 7.5703% | 747 |
| Cash dividends to net income (ytd only)* | 52.8478% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 3,523 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 52.1003% | 4,480 |
| Net loans and leases to deposits | 60.9991% | 4,497 |
| Net loans and leases to core deposits | 63.8324% | 4,528 |
| Total domestic deposits to total assets | 85.4116% | 2,453 |
| Equity capital to assets | 14.4744% | 832 |
| Core capital (leverage) ratio | 14.7971% | 754 |
| Tier 1 risk-based capital ratio | 22.2542% | 1,022 |
| Total risk-based capital ratio | 23.0565% | 1,057 |
| Memoranda: | ||
| Average total assets | $64,672,750 | 4,728 |
| Average earning assets | $61,074,250 | 4,699 |
| Average equity | $8,622,750 | 4,553 |
| Average total loans | $32,047,500 | 4,824 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8525% | 4,210 |
| Cost of funding earning assets | 0.4406% | 3,422 |
| Net interest margin | 3.4120% | 3,915 |
| Noninterest income to average assets | 0.2665% | 4,402 |
| Noninterest expense to average assets | 1.5414% | 5,313 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9381% | 425 |
| Return on assets (ROA) | 1.9381% | 424 |
| Pretax return on assets | 1.9381% | 707 |
| Return on Equity (ROE) | 14.9271% | 866 |
| Retained earnings to average equity (ytd only) | 3.2420% | 3,949 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2994% | 5,275 |
| Assets per employee ($millions) | 8.8331% | 474 |
| Cash dividends to net income (ytd only)* | 78.2813% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 52.6718% | 4,435 |
| Net loans and leases to deposits | 61.2595% | 4,465 |
| Net loans and leases to core deposits | 64.0145% | 4,487 |
| Total domestic deposits to total assets | 85.9814% | 2,294 |
| Equity capital to assets | 13.9426% | 948 |
| Core capital (leverage) ratio | 14.0543% | 899 |
| Tier 1 risk-based capital ratio | 21.5590% | 1,092 |
| Total risk-based capital ratio | 22.3633% | 1,129 |
| Memoranda: | ||
| Average total assets | $66,043,000 | 4,757 |
| Average earning assets | $62,192,670 | 4,725 |
| Average equity | $8,575,000 | 4,597 |
| Average total loans | $32,101,670 | 4,868 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6553% | 4,580 |
| Cost of funding earning assets | 0.4227% | 3,421 |
| Net interest margin | 3.2326% | 4,363 |
| Noninterest income to average assets | 0.2876% | 4,248 |
| Noninterest expense to average assets | 1.5789% | 5,338 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7609% | 608 |
| Return on assets (ROA) | 1.7609% | 614 |
| Pretax return on assets | 1.7609% | 982 |
| Return on Equity (ROE) | 14.0318% | 1,010 |
| Retained earnings to average equity (ytd only) | -9.4013% | 5,351 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2759% | 5,225 |
| Assets per employee ($millions) | 8.0635% | 614 |
| Cash dividends to net income (ytd only)* | 167.0000% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 3,299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 45.7091% | 4,808 |
| Net loans and leases to deposits | 52.5101% | 4,862 |
| Net loans and leases to core deposits | 54.7304% | 4,890 |
| Total domestic deposits to total assets | 87.0481% | 2,103 |
| Equity capital to assets | 12.8744% | 1,308 |
| Core capital (leverage) ratio | 13.1977% | 1,105 |
| Tier 1 risk-based capital ratio | 18.8492% | 1,591 |
| Total risk-based capital ratio | 19.5803% | 1,704 |
| Memoranda: | ||
| Average total assets | $68,148,500 | 4,769 |
| Average earning assets | $64,345,000 | 4,742 |
| Average equity | $8,552,000 | 4,653 |
| Average total loans | $31,702,500 | 4,930 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7526% | 4,210 |
| Cost of funding earning assets | 0.4482% | 2,793 |
| Net interest margin | 3.3045% | 4,149 |
| Noninterest income to average assets | 0.2446% | 4,670 |
| Noninterest expense to average assets | 1.9272% | 5,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4473% | 913 |
| Return on assets (ROA) | 1.4473% | 928 |
| Pretax return on assets | 1.4473% | 1,826 |
| Return on Equity (ROE) | 11.0296% | 1,469 |
| Retained earnings to average equity (ytd only) | 4.8174% | 2,243 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1103% | 4,636 |
| Assets per employee ($millions) | 7.9766% | 642 |
| Cash dividends to net income (ytd only)* | 56.3231% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 4,013 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 46.3233% | 4,871 |
| Net loans and leases to deposits | 52.8747% | 4,938 |
| Net loans and leases to core deposits | 55.8307% | 4,939 |
| Total domestic deposits to total assets | 87.6095% | 1,698 |
| Equity capital to assets | 12.2568% | 1,666 |
| Core capital (leverage) ratio | 13.1388% | 1,100 |
| Tier 1 risk-based capital ratio | 17.3306% | 1,985 |
| Total risk-based capital ratio | 17.9873% | 2,131 |
| Memoranda: | ||
| Average total assets | $65,017,200 | 4,863 |
| Average earning assets | $61,583,200 | 4,828 |
| Average equity | $8,531,600 | 4,701 |
| Average total loans | $30,285,600 | 5,018 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7958% | 4,025 |
| Cost of funding earning assets | 0.4551% | 2,670 |
| Net interest margin | 3.3407% | 4,042 |
| Noninterest income to average assets | 0.1937% | 5,047 |
| Noninterest expense to average assets | 1.7539% | 5,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6086% | 699 |
| Return on assets (ROA) | 1.6107% | 713 |
| Pretax return on assets | 1.6107% | 1,379 |
| Return on Equity (ROE) | 12.0496% | 1,329 |
| Retained earnings to average equity (ytd only) | 3.7016% | 3,723 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1603% | 5,083 |
| Assets per employee ($millions) | 6.0727% | 1,441 |
| Cash dividends to net income (ytd only)* | 69.2814% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 3,322 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 47.8963% | 4,833 |
| Net loans and leases to deposits | 56.1668% | 4,865 |
| Net loans and leases to core deposits | 60.0343% | 4,819 |
| Total domestic deposits to total assets | 85.2751% | 2,607 |
| Equity capital to assets | 14.6426% | 822 |
| Core capital (leverage) ratio | 14.1038% | 868 |
| Tier 1 risk-based capital ratio | 21.1953% | 1,164 |
| Total risk-based capital ratio | 22.0149% | 1,208 |
| Memoranda: | ||
| Average total assets | $63,324,250 | 4,947 |
| Average earning assets | $60,065,500 | 4,911 |
| Average equity | $8,464,750 | 4,755 |
| Average total loans | $29,460,250 | 5,092 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7068% | 4,214 |
| Cost of funding earning assets | 0.4400% | 2,696 |
| Net interest margin | 3.2669% | 4,218 |
| Noninterest income to average assets | 0.0997% | 5,515 |
| Noninterest expense to average assets | 1.7573% | 5,359 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4426% | 969 |
| Return on assets (ROA) | 1.4426% | 995 |
| Pretax return on assets | 1.4426% | 1,850 |
| Return on Equity (ROE) | 11.1267% | 1,595 |
| Retained earnings to average equity (ytd only) | -1.6101% | 5,308 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9172% | 4,930 |
| Assets per employee ($millions) | 6.1667% | 1,347 |
| Cash dividends to net income (ytd only)* | 114.4708% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 3,513 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 47.8473% | 4,831 |
| Net loans and leases to deposits | 55.7169% | 4,861 |
| Net loans and leases to core deposits | 59.4472% | 4,848 |
| Total domestic deposits to total assets | 85.8758% | 2,426 |
| Equity capital to assets | 14.0432% | 953 |
| Core capital (leverage) ratio | 13.3753% | 1,029 |
| Tier 1 risk-based capital ratio | 19.8248% | 1,403 |
| Total risk-based capital ratio | 20.6193% | 1,451 |
| Memoranda: | ||
| Average total assets | $64,190,000 | 4,966 |
| Average earning assets | $60,914,330 | 4,927 |
| Average equity | $8,322,330 | 4,795 |
| Average total loans | $29,474,330 | 5,133 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5953% | 4,435 |
| Cost of funding earning assets | 0.4454% | 2,566 |
| Net interest margin | 3.1499% | 4,503 |
| Noninterest income to average assets | 0.0917% | 5,616 |
| Noninterest expense to average assets | 1.6684% | 5,502 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4056% | 990 |
| Return on assets (ROA) | 1.4056% | 1,020 |
| Pretax return on assets | 1.4056% | 1,874 |
| Return on Equity (ROE) | 11.2835% | 1,471 |
| Retained earnings to average equity (ytd only) | -14.7176% | 5,665 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2744% | 5,098 |
| Assets per employee ($millions) | 6.3402% | 1,269 |
| Cash dividends to net income (ytd only)* | 230.4348% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 3,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 45.7967% | 4,951 |
| Net loans and leases to deposits | 52.5377% | 5,011 |
| Net loans and leases to core deposits | 55.8857% | 4,981 |
| Total domestic deposits to total assets | 87.1692% | 2,127 |
| Equity capital to assets | 12.7614% | 1,375 |
| Core capital (leverage) ratio | 12.5550% | 1,313 |
| Tier 1 risk-based capital ratio | 17.8987% | 1,909 |
| Total risk-based capital ratio | 18.6368% | 2,017 |
| Memoranda: | ||
| Average total assets | $65,451,500 | 4,992 |
| Average earning assets | $61,970,500 | 4,951 |
| Average equity | $8,153,500 | 4,871 |
| Average total loans | $29,292,500 | 5,182 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8014% | 3,910 |
| Cost of funding earning assets | 0.4206% | 2,802 |
| Net interest margin | 3.3808% | 3,887 |
| Noninterest income to average assets | 0.2188% | 5,104 |
| Noninterest expense to average assets | 1.8693% | 5,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4894% | 844 |
| Return on assets (ROA) | 1.4894% | 865 |
| Pretax return on assets | 1.4894% | 1,614 |
| Return on Equity (ROE) | 11.5262% | 1,392 |
| Retained earnings to average equity (ytd only) | 3.5755% | 3,381 |
| Net charge-offs to loans | 0.0031% | 4,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 980.0000% | 80 |
| Efficiency ratio | 55.6109% | 5,098 |
| Assets per employee ($millions) | 6.7501% | 1,030 |
| Cash dividends to net income (ytd only)* | 68.9796% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 3,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 42.7920% | 5,192 |
| Net loans and leases to deposits | 48.7659% | 5,261 |
| Net loans and leases to core deposits | 52.0601% | 5,224 |
| Total domestic deposits to total assets | 87.7498% | 1,767 |
| Equity capital to assets | 12.1717% | 1,697 |
| Core capital (leverage) ratio | 12.7393% | 1,238 |
| Tier 1 risk-based capital ratio | 16.8177% | 2,223 |
| Total risk-based capital ratio | 17.4864% | 2,394 |
| Memoranda: | ||
| Average total assets | $65,800,200 | 5,016 |
| Average earning assets | $61,109,000 | 4,994 |
| Average equity | $8,502,400 | 4,840 |
| Average total loans | $32,591,200 | 5,116 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8650% | 3,720 |
| Cost of funding earning assets | 0.4192% | 2,845 |
| Net interest margin | 3.4458% | 3,690 |
| Noninterest income to average assets | 0.2570% | 4,924 |
| Noninterest expense to average assets | 1.7274% | 5,591 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7152% | 575 |
| Return on assets (ROA) | 1.7152% | 609 |
| Pretax return on assets | 1.7152% | 1,074 |
| Return on Equity (ROE) | 13.0780% | 1,030 |
| Retained earnings to average equity (ytd only) | 2.5658% | 4,372 |
| Net charge-offs to loans | -0.0040% | 4,575 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1185% | 5,494 |
| Assets per employee ($millions) | 6.2892% | 1,241 |
| Cash dividends to net income (ytd only)* | 80.3801% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 4,296 |
| Loan loss allowance to noncurrent loans | 1,192.8571% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 5,295 |
| Noncurrent loans to loans | 0.0855% | 5,006 |
| Net loans and leases to total assets | 51.5185% | 4,689 |
| Net loans and leases to deposits | 59.9952% | 4,761 |
| Net loans and leases to core deposits | 64.5014% | 4,699 |
| Total domestic deposits to total assets | 85.8710% | 2,424 |
| Equity capital to assets | 14.0225% | 1,023 |
| Core capital (leverage) ratio | 13.1875% | 1,117 |
| Tier 1 risk-based capital ratio | 18.0392% | 1,905 |
| Total risk-based capital ratio | 18.7729% | 2,034 |
| Memoranda: | ||
| Average total assets | $65,375,000 | 5,064 |
| Average earning assets | $60,438,250 | 5,051 |
| Average equity | $8,574,000 | 4,872 |
| Average total loans | $33,434,750 | 5,138 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8176% | 3,892 |
| Cost of funding earning assets | 0.4100% | 2,939 |
| Net interest margin | 3.4077% | 3,863 |
| Noninterest income to average assets | 0.1752% | 5,445 |
| Noninterest expense to average assets | 1.6434% | 5,729 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6706% | 611 |
| Return on assets (ROA) | 1.6706% | 651 |
| Pretax return on assets | 1.6706% | 1,170 |
| Return on Equity (ROE) | 13.0235% | 1,024 |
| Retained earnings to average equity (ytd only) | -2.8967% | 5,621 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5898% | 5,587 |
| Assets per employee ($millions) | 6.2818% | 1,204 |
| Cash dividends to net income (ytd only)* | 122.2423% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0353% | 4,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 50.6734% | 4,799 |
| Net loans and leases to deposits | 58.7990% | 4,861 |
| Net loans and leases to core deposits | 62.8917% | 4,818 |
| Total domestic deposits to total assets | 86.1807% | 2,338 |
| Equity capital to assets | 13.7301% | 1,128 |
| Core capital (leverage) ratio | 12.2549% | 1,488 |
| Tier 1 risk-based capital ratio | 17.0798% | 2,188 |
| Total risk-based capital ratio | 17.7976% | 2,354 |
| Memoranda: | ||
| Average total assets | $66,202,670 | 5,097 |
| Average earning assets | $60,980,000 | 5,087 |
| Average equity | $8,492,330 | 4,923 |
| Average total loans | $33,668,000 | 5,183 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7524% | 4,130 |
| Cost of funding earning assets | 0.3919% | 3,169 |
| Net interest margin | 3.3605% | 4,005 |
| Noninterest income to average assets | 0.1767% | 5,437 |
| Noninterest expense to average assets | 1.5318% | 5,882 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7262% | 538 |
| Return on assets (ROA) | 1.7262% | 573 |
| Pretax return on assets | 1.7262% | 1,003 |
| Return on Equity (ROE) | 13.9093% | 857 |
| Retained earnings to average equity (ytd only) | -18.1818% | 5,949 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0163% | 5,768 |
| Assets per employee ($millions) | 6.5877% | 1,063 |
| Cash dividends to net income (ytd only)* | 230.7167% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 4,586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 49.8429% | 4,817 |
| Net loans and leases to deposits | 57.0270% | 4,916 |
| Net loans and leases to core deposits | 60.7302% | 4,892 |
| Total domestic deposits to total assets | 87.4023% | 1,991 |
| Equity capital to assets | 12.5279% | 1,666 |
| Core capital (leverage) ratio | 11.5866% | 1,914 |
| Tier 1 risk-based capital ratio | 15.5213% | 2,902 |
| Total risk-based capital ratio | 16.1957% | 3,122 |
| Memoranda: | ||
| Average total assets | $67,895,000 | 5,119 |
| Average earning assets | $62,253,500 | 5,113 |
| Average equity | $8,426,000 | 4,969 |
| Average total loans | $34,419,500 | 5,199 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 3,885 |
| Cost of funding earning assets | 0.3609% | 3,573 |
| Net interest margin | 3.4875% | 3,566 |
| Noninterest income to average assets | 0.3054% | 4,700 |
| Noninterest expense to average assets | 1.9124% | 5,601 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5547% | 777 |
| Return on assets (ROA) | 1.5648% | 782 |
| Pretax return on assets | 1.5648% | 1,359 |
| Return on Equity (ROE) | 13.0983% | 1,037 |
| Retained earnings to average equity (ytd only) | 6.2083% | 1,697 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9497% | 5,446 |
| Assets per employee ($millions) | 6.9913% | 892 |
| Cash dividends to net income (ytd only)* | 52.6022% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9335% | 4,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 50.5457% | 4,822 |
| Net loans and leases to deposits | 57.6787% | 4,934 |
| Net loans and leases to core deposits | 60.4751% | 4,950 |
| Total domestic deposits to total assets | 87.6332% | 1,828 |
| Equity capital to assets | 12.2996% | 1,741 |
| Core capital (leverage) ratio | 11.9450% | 1,655 |
| Tier 1 risk-based capital ratio | 14.9897% | 3,186 |
| Total risk-based capital ratio | 15.6100% | 3,430 |
| Memoranda: | ||
| Average total assets | $68,760,600 | 5,117 |
| Average earning assets | $62,337,400 | 5,120 |
| Average equity | $8,214,800 | 5,021 |
| Average total loans | $35,755,200 | 5,161 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8821% | 3,806 |
| Cost of funding earning assets | 0.3578% | 3,667 |
| Net interest margin | 3.5243% | 3,449 |
| Noninterest income to average assets | 0.2940% | 4,840 |
| Noninterest expense to average assets | 1.6785% | 5,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7992% | 523 |
| Return on assets (ROA) | 1.8031% | 537 |
| Pretax return on assets | 1.8031% | 895 |
| Return on Equity (ROE) | 15.2073% | 704 |
| Retained earnings to average equity (ytd only) | 5.9121% | 2,301 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0403% | 5,868 |
| Assets per employee ($millions) | 6.8939% | 911 |
| Cash dividends to net income (ytd only)* | 61.1231% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 5,059 |
| Loan loss allowance to noncurrent loans | 99.1071% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 0.5415% | 3,679 |
| Noncurrent loans to loans | 0.9407% | 2,617 |
| Net loans and leases to total assets | 57.0328% | 4,242 |
| Net loans and leases to deposits | 66.0791% | 4,379 |
| Net loans and leases to core deposits | 69.3748% | 4,429 |
| Total domestic deposits to total assets | 86.3099% | 2,379 |
| Equity capital to assets | 13.5917% | 1,186 |
| Core capital (leverage) ratio | 12.7214% | 1,305 |
| Tier 1 risk-based capital ratio | 17.1934% | 2,297 |
| Total risk-based capital ratio | 17.9187% | 2,452 |
| Memoranda: | ||
| Average total assets | $68,472,500 | 5,183 |
| Average earning assets | $61,855,250 | 5,194 |
| Average equity | $8,118,750 | 5,102 |
| Average total loans | $35,776,250 | 5,224 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7216% | 4,351 |
| Cost of funding earning assets | 0.3512% | 3,794 |
| Net interest margin | 3.3704% | 4,012 |
| Noninterest income to average assets | 0.2039% | 5,464 |
| Noninterest expense to average assets | 1.5691% | 6,069 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6795% | 646 |
| Return on assets (ROA) | 1.6852% | 670 |
| Pretax return on assets | 1.6852% | 1,112 |
| Return on Equity (ROE) | 14.8490% | 759 |
| Retained earnings to average equity (ytd only) | 0.7237% | 5,267 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0384% | 5,958 |
| Assets per employee ($millions) | 6.8361% | 893 |
| Cash dividends to net income (ytd only)* | 95.1261% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 5,177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 57.6757% | 4,148 |
| Net loans and leases to deposits | 66.3184% | 4,308 |
| Net loans and leases to core deposits | 69.2755% | 4,387 |
| Total domestic deposits to total assets | 86.9679% | 2,185 |
| Equity capital to assets | 12.9492% | 1,427 |
| Core capital (leverage) ratio | 11.7891% | 1,782 |
| Tier 1 risk-based capital ratio | 17.4616% | 2,233 |
| Total risk-based capital ratio | 18.2303% | 2,363 |
| Memoranda: | ||
| Average total assets | $70,615,000 | 5,195 |
| Average earning assets | $63,790,000 | 5,207 |
| Average equity | $8,014,000 | 5,161 |
| Average total loans | $35,795,330 | 5,265 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4866% | 5,010 |
| Cost of funding earning assets | 0.3363% | 4,021 |
| Net interest margin | 3.1504% | 4,786 |
| Noninterest income to average assets | 0.2714% | 5,008 |
| Noninterest expense to average assets | 1.4742% | 6,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6392% | 665 |
| Return on assets (ROA) | 1.6498% | 686 |
| Pretax return on assets | 1.6498% | 1,156 |
| Return on Equity (ROE) | 15.4277% | 645 |
| Retained earnings to average equity (ytd only) | -12.7403% | 6,189 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1795% | 6,056 |
| Assets per employee ($millions) | 7.4228% | 702 |
| Cash dividends to net income (ytd only)* | 182.5806% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 5,287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 52.4542% | 4,617 |
| Net loans and leases to deposits | 59.5841% | 4,773 |
| Net loans and leases to core deposits | 61.9817% | 4,840 |
| Total domestic deposits to total assets | 88.0338% | 1,801 |
| Equity capital to assets | 11.9033% | 2,102 |
| Core capital (leverage) ratio | 10.9219% | 2,495 |
| Tier 1 risk-based capital ratio | 16.0708% | 2,889 |
| Total risk-based capital ratio | 16.8061% | 3,061 |
| Memoranda: | ||
| Average total assets | $75,160,000 | 5,129 |
| Average earning assets | $67,801,500 | 5,149 |
| Average equity | $8,037,500 | 5,203 |
| Average total loans | $35,784,000 | 5,307 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6680% | 4,882 |
| Cost of funding earning assets | 0.4101% | 3,587 |
| Net interest margin | 3.2579% | 4,722 |
| Noninterest income to average assets | 0.3123% | 4,887 |
| Noninterest expense to average assets | 1.7708% | 6,099 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5027% | 875 |
| Return on assets (ROA) | 1.5115% | 891 |
| Pretax return on assets | 1.5115% | 1,501 |
| Return on Equity (ROE) | 13.4265% | 1,058 |
| Retained earnings to average equity (ytd only) | 4.9335% | 2,648 |
| Net charge-offs to loans | -0.0030% | 5,407 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8704% | 5,851 |
| Assets per employee ($millions) | 9.2794% | 305 |
| Cash dividends to net income (ytd only)* | 63.2554% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 5,404 |
| Loan loss allowance to noncurrent loans | 16,650.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 6,087 |
| Noncurrent loans to loans | 0.0055% | 5,902 |
| Net loans and leases to total assets | 42.9384% | 5,544 |
| Net loans and leases to deposits | 47.5950% | 5,705 |
| Net loans and leases to core deposits | 49.0695% | 5,760 |
| Total domestic deposits to total assets | 90.2161% | 644 |
| Equity capital to assets | 9.7264% | 4,432 |
| Core capital (leverage) ratio | 10.4315% | 3,022 |
| Tier 1 risk-based capital ratio | 15.6878% | 3,130 |
| Total risk-based capital ratio | 16.3816% | 3,369 |
| Memoranda: | ||
| Average total assets | $67,878,600 | 5,348 |
| Average earning assets | $61,696,400 | 5,351 |
| Average equity | $7,641,600 | 5,285 |
| Average total loans | $33,560,800 | 5,416 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8455% | 4,387 |
| Cost of funding earning assets | 0.4390% | 3,375 |
| Net interest margin | 3.4065% | 4,211 |
| Noninterest income to average assets | 0.3689% | 4,477 |
| Noninterest expense to average assets | 1.6111% | 6,275 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.8467% | 467 |
| Return on assets (ROA) | 1.8592% | 470 |
| Pretax return on assets | 1.8592% | 780 |
| Return on Equity (ROE) | 15.8125% | 696 |
| Retained earnings to average equity (ytd only) | 4.3077% | 3,589 |
| Net charge-offs to loans | -0.0040% | 5,269 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3532% | 6,281 |
| Assets per employee ($millions) | 6.7106% | 906 |
| Cash dividends to net income (ytd only)* | 72.7579% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 5,262 |
| Loan loss allowance to noncurrent loans | 114.0411% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4835% | 4,440 |
| Noncurrent loans to loans | 0.8672% | 3,397 |
| Net loans and leases to total assets | 55.2016% | 4,440 |
| Net loans and leases to deposits | 63.7104% | 4,574 |
| Net loans and leases to core deposits | 66.5728% | 4,654 |
| Total domestic deposits to total assets | 86.6446% | 2,503 |
| Equity capital to assets | 13.2610% | 1,294 |
| Core capital (leverage) ratio | 12.1836% | 1,587 |
| Tier 1 risk-based capital ratio | 17.9671% | 2,222 |
| Total risk-based capital ratio | 18.7763% | 2,346 |
| Memoranda: | ||
| Average total assets | $63,969,500 | 5,513 |
| Average earning assets | $58,005,750 | 5,511 |
| Average equity | $7,521,250 | 5,350 |
| Average total loans | $32,902,750 | 5,497 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4985% | 5,413 |
| Cost of funding earning assets | 0.4373% | 3,468 |
| Net interest margin | 3.0612% | 5,369 |
| Noninterest income to average assets | 0.2885% | 5,112 |
| Noninterest expense to average assets | 1.5899% | 6,368 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4702% | 926 |
| Return on assets (ROA) | 1.4702% | 965 |
| Pretax return on assets | 1.4702% | 1,633 |
| Return on Equity (ROE) | 13.0187% | 1,170 |
| Retained earnings to average equity (ytd only) | -4.6204% | 6,206 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6550% | 6,086 |
| Assets per employee ($millions) | 6.9390% | 821 |
| Cash dividends to net income (ytd only)* | 135.4906% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 5,286 |
| Loan loss allowance to noncurrent loans | 269.9187% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 5,531 |
| Noncurrent loans to loans | 0.3760% | 4,867 |
| Net loans and leases to total assets | 51.8519% | 4,757 |
| Net loans and leases to deposits | 58.9675% | 4,952 |
| Net loans and leases to core deposits | 61.4704% | 5,013 |
| Total domestic deposits to total assets | 87.9329% | 1,941 |
| Equity capital to assets | 11.9774% | 2,004 |
| Core capital (leverage) ratio | 11.2044% | 2,237 |
| Tier 1 risk-based capital ratio | 17.3562% | 2,476 |
| Total risk-based capital ratio | 18.1816% | 2,611 |
| Memoranda: | ||
| Average total assets | $65,161,000 | 5,525 |
| Average earning assets | $58,996,000 | 5,532 |
| Average equity | $7,358,670 | 5,401 |
| Average total loans | $32,646,330 | 5,545 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5562% | 5,284 |
| Cost of funding earning assets | 0.4164% | 3,804 |
| Net interest margin | 3.1397% | 5,119 |
| Noninterest income to average assets | 0.3488% | 4,582 |
| Noninterest expense to average assets | 1.3831% | 6,568 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8221% | 463 |
| Return on assets (ROA) | 1.8221% | 485 |
| Pretax return on assets | 1.8221% | 774 |
| Return on Equity (ROE) | 16.6073% | 576 |
| Retained earnings to average equity (ytd only) | -18.9641% | 6,517 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9644% | 6,523 |
| Assets per employee ($millions) | 7.0993% | 769 |
| Cash dividends to net income (ytd only)* | 214.1914% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 5,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 47.3237% | 5,204 |
| Net loans and leases to deposits | 53.3911% | 5,340 |
| Net loans and leases to core deposits | 55.5715% | 5,381 |
| Total domestic deposits to total assets | 88.6359% | 1,872 |
| Equity capital to assets | 11.2937% | 2,439 |
| Core capital (leverage) ratio | 10.7807% | 2,620 |
| Tier 1 risk-based capital ratio | 17.4216% | 2,505 |
| Total risk-based capital ratio | 18.2717% | 2,633 |
| Memoranda: | ||
| Average total assets | $66,516,000 | 5,546 |
| Average earning assets | $60,514,500 | 5,550 |
| Average equity | $7,298,000 | 5,445 |
| Average total loans | $32,612,500 | 5,605 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1226% | 3,656 |
| Cost of funding earning assets | 0.4722% | 3,890 |
| Net interest margin | 3.6504% | 3,241 |
| Noninterest income to average assets | 0.2556% | 5,516 |
| Noninterest expense to average assets | 1.8260% | 6,282 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.8373% | 450 |
| Return on assets (ROA) | 1.8469% | 453 |
| Pretax return on assets | 1.7698% | 813 |
| Return on Equity (ROE) | 15.9988% | 621 |
| Retained earnings to average equity (ytd only) | 8.6747% | 854 |
| Net charge-offs to loans | 0.0476% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 68.4375% | 616 |
| Efficiency ratio | 50.6948% | 6,372 |
| Assets per employee ($millions) | 8.6423% | 375 |
| Cash dividends to net income (ytd only)* | 45.7789% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 5,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 49.6456% | 5,127 |
| Net loans and leases to deposits | 55.6269% | 5,334 |
| Net loans and leases to core deposits | 57.6913% | 5,415 |
| Total domestic deposits to total assets | 89.2476% | 1,457 |
| Equity capital to assets | 10.6743% | 2,956 |
| Core capital (leverage) ratio | 11.5308% | 1,943 |
| Tier 1 risk-based capital ratio | 16.5444% | 2,830 |
| Total risk-based capital ratio | 17.3127% | 3,024 |
| Memoranda: | ||
| Average total assets | $62,211,400 | 5,699 |
| Average earning assets | $56,760,400 | 5,684 |
| Average equity | $7,181,800 | 5,525 |
| Average total loans | $33,619,600 | 5,597 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2413% | 3,228 |
| Cost of funding earning assets | 0.4863% | 3,899 |
| Net interest margin | 3.7550% | 2,825 |
| Noninterest income to average assets | 0.3130% | 5,202 |
| Noninterest expense to average assets | 1.6468% | 6,524 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.1935% | 264 |
| Return on assets (ROA) | 2.1935% | 275 |
| Pretax return on assets | 2.0877% | 483 |
| Return on Equity (ROE) | 18.6004% | 398 |
| Retained earnings to average equity (ytd only) | 8.7861% | 1,125 |
| Net charge-offs to loans | 0.0600% | 4,048 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 63.1320% | 728 |
| Efficiency ratio | 43.8607% | 6,661 |
| Assets per employee ($millions) | 6.2934% | 1,048 |
| Cash dividends to net income (ytd only)* | 52.7638% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 5,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 60.1508% | 3,676 |
| Net loans and leases to deposits | 69.1763% | 3,911 |
| Net loans and leases to core deposits | 72.4016% | 4,045 |
| Total domestic deposits to total assets | 86.9529% | 2,716 |
| Equity capital to assets | 12.8423% | 1,398 |
| Core capital (leverage) ratio | 12.2635% | 1,540 |
| Tier 1 risk-based capital ratio | 17.2534% | 2,608 |
| Total risk-based capital ratio | 18.0748% | 2,745 |
| Memoranda: | ||
| Average total assets | $60,479,750 | 5,807 |
| Average earning assets | $55,107,250 | 5,787 |
| Average equity | $7,132,250 | 5,601 |
| Average total loans | $33,360,500 | 5,663 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1153% | 3,674 |
| Cost of funding earning assets | 0.4913% | 3,978 |
| Net interest margin | 3.6240% | 3,266 |
| Noninterest income to average assets | 0.1943% | 6,044 |
| Noninterest expense to average assets | 1.5965% | 6,593 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.0499% | 330 |
| Return on assets (ROA) | 2.0499% | 345 |
| Pretax return on assets | 1.8945% | 757 |
| Return on Equity (ROE) | 17.8687% | 465 |
| Retained earnings to average equity (ytd only) | 3.0487% | 4,379 |
| Net charge-offs to loans | 0.2605% | 2,164 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 13.6047% | 1,891 |
| Efficiency ratio | 45.4545% | 6,664 |
| Assets per employee ($millions) | 6.3086% | 1,004 |
| Cash dividends to net income (ytd only)* | 82.9384% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 6,167 |
| Loan loss allowance to noncurrent loans | 30,500.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 6,587 |
| Noncurrent loans to loans | 0.0029% | 6,450 |
| Net loans and leases to total assets | 59.9222% | 3,667 |
| Net loans and leases to deposits | 68.1489% | 3,989 |
| Net loans and leases to core deposits | 71.2607% | 4,141 |
| Total domestic deposits to total assets | 87.9282% | 2,295 |
| Equity capital to assets | 11.8833% | 1,986 |
| Core capital (leverage) ratio | 11.2221% | 2,153 |
| Tier 1 risk-based capital ratio | 16.3542% | 3,006 |
| Total risk-based capital ratio | 17.1066% | 3,231 |
| Memoranda: | ||
| Average total assets | $61,759,330 | 5,813 |
| Average earning assets | $56,180,330 | 5,797 |
| Average equity | $7,085,000 | 5,664 |
| Average total loans | $33,013,000 | 5,713 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9012% | 4,468 |
| Cost of funding earning assets | 0.5005% | 4,081 |
| Net interest margin | 3.4007% | 4,114 |
| Noninterest income to average assets | 0.2117% | 5,969 |
| Noninterest expense to average assets | 1.5066% | 6,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6685% | 630 |
| Return on assets (ROA) | 1.6685% | 691 |
| Pretax return on assets | 1.7930% | 893 |
| Return on Equity (ROE) | 14.7781% | 809 |
| Retained earnings to average equity (ytd only) | -14.2266% | 6,729 |
| Net charge-offs to loans | 0.0247% | 3,686 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 273 |
| Efficiency ratio | 45.4717% | 6,712 |
| Assets per employee ($millions) | 7.9684% | 496 |
| Cash dividends to net income (ytd only)* | 196.2687% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 5,712 |
| Loan loss allowance to noncurrent loans | 887.1795% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 6,420 |
| Noncurrent loans to loans | 0.1206% | 6,110 |
| Net loans and leases to total assets | 50.1671% | 4,973 |
| Net loans and leases to deposits | 56.6338% | 5,179 |
| Net loans and leases to core deposits | 60.1377% | 5,141 |
| Total domestic deposits to total assets | 88.5814% | 1,948 |
| Equity capital to assets | 11.0735% | 2,876 |
| Core capital (leverage) ratio | 10.6023% | 2,649 |
| Tier 1 risk-based capital ratio | 15.5048% | 3,522 |
| Total risk-based capital ratio | 16.3613% | 3,720 |
| Memoranda: | ||
| Average total assets | $64,250,500 | 5,795 |
| Average earning assets | $58,341,500 | 5,794 |
| Average equity | $7,254,000 | 5,674 |
| Average total loans | $32,356,000 | 5,780 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2464% | 4,410 |
| Cost of funding earning assets | 0.6267% | 4,129 |
| Net interest margin | 3.6197% | 4,005 |
| Noninterest income to average assets | 0.3092% | 5,238 |
| Noninterest expense to average assets | 1.7709% | 6,658 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.7404% | 566 |
| Return on assets (ROA) | 1.7591% | 614 |
| Pretax return on assets | 1.9162% | 724 |
| Return on Equity (ROE) | 14.9162% | 823 |
| Retained earnings to average equity (ytd only) | 7.3506% | 1,400 |
| Net charge-offs to loans | 0.0188% | 5,651 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 187.0000% | 220 |
| Efficiency ratio | 48.0645% | 6,707 |
| Assets per employee ($millions) | 7.1949% | 712 |
| Cash dividends to net income (ytd only)* | 50.7205% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 5,656 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 49.4765% | 5,243 |
| Net loans and leases to deposits | 56.1322% | 5,434 |
| Net loans and leases to core deposits | 59.5424% | 5,410 |
| Total domestic deposits to total assets | 88.1428% | 2,132 |
| Equity capital to assets | 11.5035% | 2,440 |
| Core capital (leverage) ratio | 11.0143% | 2,242 |
| Tier 1 risk-based capital ratio | 16.0670% | 3,127 |
| Total risk-based capital ratio | 16.9246% | 3,290 |
| Memoranda: | ||
| Average total assets | $59,178,200 | 5,941 |
| Average earning assets | $54,894,200 | 5,895 |
| Average equity | $6,979,000 | 5,773 |
| Average total loans | $31,941,200 | 5,857 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2972% | 4,464 |
| Cost of funding earning assets | 0.6573% | 4,131 |
| Net interest margin | 3.6399% | 4,058 |
| Noninterest income to average assets | 0.3092% | 5,312 |
| Noninterest expense to average assets | 1.5875% | 6,886 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.9348% | 420 |
| Return on assets (ROA) | 1.9474% | 475 |
| Pretax return on assets | 2.1343% | 537 |
| Return on Equity (ROE) | 16.4003% | 682 |
| Retained earnings to average equity (ytd only) | 6.1403% | 2,608 |
| Net charge-offs to loans | 0.0251% | 5,319 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 153.1625% | 285 |
| Efficiency ratio | 42.5638% | 6,944 |
| Assets per employee ($millions) | 6.1472% | 1,161 |
| Cash dividends to net income (ytd only)* | 62.5588% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 5,833 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 58.2594% | 4,092 |
| Net loans and leases to deposits | 68.9233% | 4,043 |
| Net loans and leases to core deposits | 74.2348% | 3,948 |
| Total domestic deposits to total assets | 84.5278% | 3,964 |
| Equity capital to assets | 13.1658% | 1,510 |
| Core capital (leverage) ratio | 11.3311% | 2,111 |
| Tier 1 risk-based capital ratio | 16.2324% | 3,144 |
| Total risk-based capital ratio | 17.1258% | 3,306 |
| Memoranda: | ||
| Average total assets | $57,784,250 | 6,045 |
| Average earning assets | $53,956,500 | 5,997 |
| Average equity | $6,861,500 | 5,867 |
| Average total loans | $31,830,000 | 5,934 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 5,145 |
| Cost of funding earning assets | 0.6684% | 4,288 |
| Net interest margin | 3.4771% | 4,774 |
| Noninterest income to average assets | 0.1843% | 6,249 |
| Noninterest expense to average assets | 1.5187% | 6,990 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7187% | 649 |
| Return on assets (ROA) | 1.7371% | 704 |
| Pretax return on assets | 1.9350% | 794 |
| Return on Equity (ROE) | 15.1473% | 912 |
| Retained earnings to average equity (ytd only) | -0.5654% | 6,142 |
| Net charge-offs to loans | 0.0317% | 4,935 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 112.2000% | 386 |
| Efficiency ratio | 43.9364% | 6,960 |
| Assets per employee ($millions) | 6.2777% | 1,079 |
| Cash dividends to net income (ytd only)* | 103.7328% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 5,915 |
| Loan loss allowance to noncurrent loans | 3,877.7778% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 6,795 |
| Noncurrent loans to loans | 0.0274% | 6,621 |
| Net loans and leases to total assets | 57.4931% | 4,246 |
| Net loans and leases to deposits | 65.7524% | 4,533 |
| Net loans and leases to core deposits | 70.4957% | 4,471 |
| Total domestic deposits to total assets | 87.4387% | 2,506 |
| Equity capital to assets | 12.1365% | 2,038 |
| Core capital (leverage) ratio | 10.5391% | 2,763 |
| Tier 1 risk-based capital ratio | 15.3169% | 3,563 |
| Total risk-based capital ratio | 16.2099% | 3,743 |
| Memoranda: | ||
| Average total assets | $58,604,000 | 6,057 |
| Average earning assets | $54,758,000 | 6,007 |
| Average equity | $6,720,670 | 5,924 |
| Average total loans | $31,580,000 | 5,984 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9903% | 5,792 |
| Cost of funding earning assets | 0.6912% | 4,357 |
| Net interest margin | 3.2992% | 5,484 |
| Noninterest income to average assets | 0.2146% | 6,085 |
| Noninterest expense to average assets | 1.4282% | 7,099 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6696% | 761 |
| Return on assets (ROA) | 1.6696% | 845 |
| Pretax return on assets | 1.8908% | 895 |
| Return on Equity (ROE) | 14.9718% | 976 |
| Retained earnings to average equity (ytd only) | -16.7756% | 7,006 |
| Net charge-offs to loans | 0.0129% | 4,520 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 282.0000% | 118 |
| Efficiency ratio | 42.8283% | 7,031 |
| Assets per employee ($millions) | 6.4590% | 1,004 |
| Cash dividends to net income (ytd only)* | 212.0482% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 5,776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 52.8668% | 4,899 |
| Net loans and leases to deposits | 59.7550% | 5,180 |
| Net loans and leases to core deposits | 64.4290% | 5,063 |
| Total domestic deposits to total assets | 88.4726% | 2,025 |
| Equity capital to assets | 11.1799% | 2,729 |
| Core capital (leverage) ratio | 9.9948% | 3,371 |
| Tier 1 risk-based capital ratio | 15.3196% | 3,548 |
| Total risk-based capital ratio | 16.2643% | 3,711 |
| Memoranda: | ||
| Average total assets | $59,656,500 | 6,076 |
| Average earning assets | $56,135,500 | 6,001 |
| Average equity | $6,652,500 | 5,982 |
| Average total loans | $30,954,000 | 6,064 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4728% | 5,171 |
| Cost of funding earning assets | 0.8934% | 4,171 |
| Net interest margin | 3.5795% | 4,811 |
| Noninterest income to average assets | 0.3241% | 5,223 |
| Noninterest expense to average assets | 1.9574% | 6,752 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.5127% | 802 |
| Return on assets (ROA) | 1.5247% | 851 |
| Pretax return on assets | 1.6407% | 1,119 |
| Return on Equity (ROE) | 13.3630% | 1,074 |
| Retained earnings to average equity (ytd only) | 5.3097% | 2,443 |
| Net charge-offs to loans | 0.0100% | 6,291 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 294.6667% | 124 |
| Efficiency ratio | 54.2373% | 6,487 |
| Assets per employee ($millions) | 6.1182% | 1,152 |
| Cash dividends to net income (ytd only)* | 60.2657% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1485% | 5,632 |
| Loan loss allowance to noncurrent loans | 2,723.0769% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 6,920 |
| Noncurrent loans to loans | 0.0422% | 6,719 |
| Net loans and leases to total assets | 49.8006% | 5,612 |
| Net loans and leases to deposits | 56.2345% | 5,872 |
| Net loans and leases to core deposits | 60.3586% | 5,814 |
| Total domestic deposits to total assets | 88.5587% | 1,815 |
| Equity capital to assets | 11.1242% | 2,866 |
| Core capital (leverage) ratio | 10.7434% | 2,483 |
| Tier 1 risk-based capital ratio | 15.9735% | 3,062 |
| Total risk-based capital ratio | 16.9155% | 3,187 |
| Memoranda: | ||
| Average total assets | $54,307,200 | 6,221 |
| Average earning assets | $49,476,400 | 6,214 |
| Average equity | $6,196,200 | 6,105 |
| Average total loans | $29,920,200 | 6,160 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6104% | 4,830 |
| Cost of funding earning assets | 0.9485% | 4,062 |
| Net interest margin | 3.6620% | 4,518 |
| Noninterest income to average assets | 0.3321% | 5,207 |
| Noninterest expense to average assets | 1.8026% | 6,995 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6938% | 640 |
| Return on assets (ROA) | 1.6962% | 698 |
| Pretax return on assets | 1.8407% | 881 |
| Return on Equity (ROE) | 14.7587% | 879 |
| Retained earnings to average equity (ytd only) | 3.7503% | 4,080 |
| Net charge-offs to loans | 0.0135% | 5,961 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 241.6600% | 166 |
| Efficiency ratio | 49.1643% | 6,875 |
| Assets per employee ($millions) | 5.1760% | 1,961 |
| Cash dividends to net income (ytd only)* | 74.5891% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 5,424 |
| Loan loss allowance to noncurrent loans | 155.2632% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 5,991 |
| Noncurrent loans to loans | 0.7788% | 5,317 |
| Net loans and leases to total assets | 55.8791% | 4,862 |
| Net loans and leases to deposits | 64.3692% | 5,121 |
| Net loans and leases to core deposits | 71.0796% | 4,833 |
| Total domestic deposits to total assets | 86.8103% | 2,767 |
| Equity capital to assets | 12.7164% | 1,777 |
| Core capital (leverage) ratio | 11.2184% | 2,216 |
| Tier 1 risk-based capital ratio | 17.0844% | 2,613 |
| Total risk-based capital ratio | 18.1196% | 2,664 |
| Memoranda: | ||
| Average total assets | $52,588,500 | 6,333 |
| Average earning assets | $47,514,250 | 6,322 |
| Average equity | $6,043,750 | 6,190 |
| Average total loans | $29,694,500 | 6,230 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4713% | 5,444 |
| Cost of funding earning assets | 0.9534% | 4,289 |
| Net interest margin | 3.5179% | 5,078 |
| Noninterest income to average assets | 0.1551% | 6,543 |
| Noninterest expense to average assets | 1.8160% | 7,066 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3586% | 1,174 |
| Return on assets (ROA) | 1.3620% | 1,233 |
| Pretax return on assets | 1.5398% | 1,404 |
| Return on Equity (ROE) | 12.2776% | 1,416 |
| Retained earnings to average equity (ytd only) | -4.7405% | 6,541 |
| Net charge-offs to loans | 0.0067% | 5,774 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 406.0000% | 80 |
| Efficiency ratio | 53.7246% | 6,644 |
| Assets per employee ($millions) | 5.2875% | 1,773 |
| Cash dividends to net income (ytd only)* | 138.6111% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 5,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 57.2085% | 4,787 |
| Net loans and leases to deposits | 64.8897% | 5,167 |
| Net loans and leases to core deposits | 71.5326% | 4,879 |
| Total domestic deposits to total assets | 88.1626% | 2,035 |
| Equity capital to assets | 11.4307% | 2,572 |
| Core capital (leverage) ratio | 10.4973% | 2,717 |
| Tier 1 risk-based capital ratio | 15.6263% | 3,170 |
| Total risk-based capital ratio | 16.6323% | 3,259 |
| Memoranda: | ||
| Average total assets | $52,864,670 | 6,376 |
| Average earning assets | $48,039,670 | 6,366 |
| Average equity | $5,864,330 | 6,270 |
| Average total loans | $29,833,670 | 6,284 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4126% | 5,648 |
| Cost of funding earning assets | 0.9640% | 4,466 |
| Net interest margin | 3.4486% | 5,233 |
| Noninterest income to average assets | 0.1740% | 6,487 |
| Noninterest expense to average assets | 1.8086% | 7,126 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2562% | 1,373 |
| Return on assets (ROA) | 1.2562% | 1,427 |
| Pretax return on assets | 1.5059% | 1,432 |
| Return on Equity (ROE) | 11.4988% | 1,598 |
| Retained earnings to average equity (ytd only) | -23.0669% | 7,210 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1096% | 6,688 |
| Assets per employee ($millions) | 5.2245% | 1,858 |
| Cash dividends to net income (ytd only)* | 300.6024% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 5,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 55.0349% | 5,153 |
| Net loans and leases to deposits | 61.9703% | 5,498 |
| Net loans and leases to core deposits | 68.3359% | 5,250 |
| Total domestic deposits to total assets | 88.8085% | 1,890 |
| Equity capital to assets | 10.8393% | 2,845 |
| Core capital (leverage) ratio | 10.2270% | 2,903 |
| Tier 1 risk-based capital ratio | 15.5239% | 3,155 |
| Total risk-based capital ratio | 16.5629% | 3,215 |
| Memoranda: | ||
| Average total assets | $52,859,500 | 6,420 |
| Average earning assets | $48,135,000 | 6,407 |
| Average equity | $5,774,500 | 6,313 |
| Average total loans | $29,448,000 | 6,358 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9497% | 4,788 |
| Cost of funding earning assets | 1.1792% | 4,683 |
| Net interest margin | 3.7705% | 4,064 |
| Noninterest income to average assets | 0.4144% | 4,785 |
| Noninterest expense to average assets | 2.1944% | 6,626 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.5478% | 696 |
| Return on assets (ROA) | 1.5497% | 752 |
| Pretax return on assets | 1.6598% | 1,024 |
| Return on Equity (ROE) | 13.4839% | 986 |
| Retained earnings to average equity (ytd only) | 5.4876% | 2,120 |
| Net charge-offs to loans | 0.0033% | 6,821 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 828.0000% | 18 |
| Efficiency ratio | 56.2890% | 6,562 |
| Assets per employee ($millions) | 5.3474% | 1,716 |
| Cash dividends to net income (ytd only)* | 59.3023% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 5,519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 55.0342% | 5,481 |
| Net loans and leases to deposits | 62.0734% | 5,844 |
| Net loans and leases to core deposits | 68.6583% | 5,589 |
| Total domestic deposits to total assets | 88.6599% | 1,851 |
| Equity capital to assets | 11.0072% | 2,681 |
| Core capital (leverage) ratio | 11.0197% | 2,148 |
| Tier 1 risk-based capital ratio | 16.1177% | 2,691 |
| Total risk-based capital ratio | 17.1331% | 2,763 |
| Memoranda: | ||
| Average total assets | $49,946,200 | 6,537 |
| Average earning assets | $45,538,200 | 6,521 |
| Average equity | $5,740,200 | 6,449 |
| Average total loans | $30,197,200 | 6,386 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1162% | 4,236 |
| Cost of funding earning assets | 1.2358% | 4,652 |
| Net interest margin | 3.8804% | 3,609 |
| Noninterest income to average assets | 0.4375% | 4,653 |
| Noninterest expense to average assets | 2.0300% | 6,994 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.8127% | 485 |
| Return on assets (ROA) | 1.8153% | 526 |
| Pretax return on assets | 1.9430% | 714 |
| Return on Equity (ROE) | 15.6150% | 761 |
| Retained earnings to average equity (ytd only) | 4.8856% | 3,065 |
| Net charge-offs to loans | 0.0044% | 6,613 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 715.7744% | 33 |
| Efficiency ratio | 50.4449% | 7,119 |
| Assets per employee ($millions) | 4.8590% | 2,380 |
| Cash dividends to net income (ytd only)* | 68.7124% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 5,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 59.8786% | 4,938 |
| Net loans and leases to deposits | 68.8216% | 5,307 |
| Net loans and leases to core deposits | 76.5517% | 4,988 |
| Total domestic deposits to total assets | 87.0056% | 2,528 |
| Equity capital to assets | 12.5046% | 1,858 |
| Core capital (leverage) ratio | 11.6465% | 1,847 |
| Tier 1 risk-based capital ratio | 16.2790% | 2,642 |
| Total risk-based capital ratio | 17.3248% | 2,675 |
| Memoranda: | ||
| Average total assets | $49,064,250 | 6,656 |
| Average earning assets | $44,667,750 | 6,630 |
| Average equity | $5,703,750 | 6,538 |
| Average total loans | $30,300,000 | 6,461 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0950% | 4,488 |
| Cost of funding earning assets | 1.2537% | 4,806 |
| Net interest margin | 3.8413% | 3,708 |
| Noninterest income to average assets | 0.2560% | 6,082 |
| Noninterest expense to average assets | 2.0600% | 6,997 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5282% | 856 |
| Return on assets (ROA) | 1.5318% | 905 |
| Pretax return on assets | 1.6984% | 1,060 |
| Return on Equity (ROE) | 13.5133% | 1,137 |
| Retained earnings to average equity (ytd only) | -2.9392% | 6,287 |
| Net charge-offs to loans | 0.0065% | 6,277 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 417.0000% | 81 |
| Efficiency ratio | 54.2208% | 6,859 |
| Assets per employee ($millions) | 4.4204% | 3,019 |
| Cash dividends to net income (ytd only)* | 121.7507% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 5,824 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 64.5751% | 4,139 |
| Net loans and leases to deposits | 73.3862% | 4,773 |
| Net loans and leases to core deposits | 82.4575% | 4,348 |
| Total domestic deposits to total assets | 87.9936% | 2,009 |
| Equity capital to assets | 11.5704% | 2,384 |
| Core capital (leverage) ratio | 10.8158% | 2,385 |
| Tier 1 risk-based capital ratio | 14.6517% | 3,354 |
| Total risk-based capital ratio | 15.6457% | 3,463 |
| Memoranda: | ||
| Average total assets | $49,222,330 | 6,683 |
| Average earning assets | $44,828,670 | 6,667 |
| Average equity | $5,579,670 | 6,593 |
| Average total loans | $30,582,670 | 6,493 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9676% | 5,165 |
| Cost of funding earning assets | 1.2751% | 4,964 |
| Net interest margin | 3.6925% | 4,283 |
| Noninterest income to average assets | 0.2827% | 5,879 |
| Noninterest expense to average assets | 1.8335% | 7,433 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6962% | 621 |
| Return on assets (ROA) | 1.6962% | 673 |
| Pretax return on assets | 1.8174% | 852 |
| Return on Equity (ROE) | 15.1174% | 852 |
| Retained earnings to average equity (ytd only) | -17.9250% | 7,308 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5575% | 7,344 |
| Assets per employee ($millions) | 4.4697% | 3,008 |
| Cash dividends to net income (ytd only)* | 218.5714% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 5,543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 60.3637% | 5,061 |
| Net loans and leases to deposits | 68.1790% | 5,564 |
| Net loans and leases to core deposits | 76.3899% | 5,204 |
| Total domestic deposits to total assets | 88.5370% | 1,770 |
| Equity capital to assets | 11.0908% | 2,680 |
| Core capital (leverage) ratio | 10.4165% | 2,703 |
| Tier 1 risk-based capital ratio | 14.6663% | 3,279 |
| Total risk-based capital ratio | 15.6975% | 3,379 |
| Memoranda: | ||
| Average total assets | $49,521,500 | 6,747 |
| Average earning assets | $45,173,000 | 6,736 |
| Average equity | $5,556,500 | 6,655 |
| Average total loans | $29,996,000 | 6,606 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2349% | 5,487 |
| Cost of funding earning assets | 1.5899% | 5,076 |
| Net interest margin | 3.6450% | 4,370 |
| Noninterest income to average assets | 0.5117% | 4,322 |
| Noninterest expense to average assets | 2.1477% | 7,088 |
| Loan and lease loss provision to assets | 0.1541% | 6,131 |
| Net operating income to assets | 1.4552% | 745 |
| Return on assets (ROA) | 1.4571% | 806 |
| Pretax return on assets | 1.5619% | 1,048 |
| Return on Equity (ROE) | 13.3041% | 897 |
| Retained earnings to average equity (ytd only) | 4.6911% | 1,982 |
| Net charge-offs to loans | 0.3838% | 4,286 |
| Credit loss provision to net charge-offs | 67.5676% | 6,537 |
| Earnings coverage of net charge-offs (x) | 7.5135% | 2,127 |
| Efficiency ratio | 54.9228% | 7,141 |
| Assets per employee ($millions) | 4.9876% | 2,233 |
| Cash dividends to net income (ytd only)* | 64.7391% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 5,400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 7,403 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 59.3412% | 5,445 |
| Net loans and leases to deposits | 67.2308% | 5,918 |
| Net loans and leases to core deposits | 81.4268% | 5,965 |
| Total domestic deposits to total assets | 88.2649% | 1,847 |
| Equity capital to assets | 11.3481% | 2,435 |
| Core capital (leverage) ratio | 11.1116% | 2,170 |
| Tier 1 risk-based capital ratio | 15.2899% | 2,802 |
| Total risk-based capital ratio | 16.3153% | 2,859 |
| Memoranda: | ||
| Average total assets | $48,657,800 | 6,763 |
| Average earning assets | $44,719,400 | 6,732 |
| Average equity | $5,329,200 | 6,830 |
| Average total loans | $28,924,800 | 6,692 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2561% | 5,654 |
| Cost of funding earning assets | 1.6540% | 5,142 |
| Net interest margin | 3.6021% | 4,475 |
| Noninterest income to average assets | 0.5625% | 3,990 |
| Noninterest expense to average assets | 2.0239% | 7,341 |
| Loan and lease loss provision to assets | 0.2068% | 5,331 |
| Net operating income to assets | 1.5304% | 760 |
| Return on assets (ROA) | 1.5304% | 814 |
| Pretax return on assets | 1.6407% | 1,091 |
| Return on Equity (ROE) | 14.1043% | 908 |
| Retained earnings to average equity (ytd only) | 2.4397% | 3,962 |
| Net charge-offs to loans | 0.5255% | 3,107 |
| Credit loss provision to net charge-offs | 66.3717% | 6,059 |
| Earnings coverage of net charge-offs (x) | 5.9293% | 2,703 |
| Efficiency ratio | 51.5670% | 7,442 |
| Assets per employee ($millions) | 4.5930% | 2,705 |
| Cash dividends to net income (ytd only)* | 82.7022% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 4,955 |
| Loan loss allowance to noncurrent loans | 1,224.1379% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 7,256 |
| Noncurrent loans to loans | 0.1004% | 7,227 |
| Net loans and leases to total assets | 62.0880% | 5,228 |
| Net loans and leases to deposits | 71.1431% | 5,781 |
| Net loans and leases to core deposits | 87.4755% | 5,692 |
| Total domestic deposits to total assets | 87.2719% | 2,036 |
| Equity capital to assets | 12.1968% | 2,123 |
| Core capital (leverage) ratio | 11.3219% | 2,175 |
| Tier 1 risk-based capital ratio | 15.7281% | 2,727 |
| Total risk-based capital ratio | 16.8058% | 2,730 |
| Memoranda: | ||
| Average total assets | $48,353,250 | 6,825 |
| Average earning assets | $44,417,500 | 6,799 |
| Average equity | $5,246,500 | 6,924 |
| Average total loans | $28,667,250 | 6,763 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0822% | 6,503 |
| Cost of funding earning assets | 1.6734% | 5,398 |
| Net interest margin | 3.4088% | 5,128 |
| Noninterest income to average assets | 0.3255% | 5,910 |
| Noninterest expense to average assets | 1.8755% | 7,657 |
| Loan and lease loss provision to assets | 0.3051% | 4,123 |
| Net operating income to assets | 1.1882% | 1,508 |
| Return on assets (ROA) | 1.1920% | 1,583 |
| Pretax return on assets | 1.2815% | 2,078 |
| Return on Equity (ROE) | 11.4275% | 1,580 |
| Retained earnings to average equity (ytd only) | -6.4743% | 6,508 |
| Net charge-offs to loans | 0.7343% | 2,214 |
| Credit loss provision to net charge-offs | 71.4286% | 5,392 |
| Earnings coverage of net charge-offs (x) | 3.7048% | 3,329 |
| Efficiency ratio | 53.5294% | 7,378 |
| Assets per employee ($millions) | 4.7317% | 2,423 |
| Cash dividends to net income (ytd only)* | 156.6553% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 4,713 |
| Loan loss allowance to noncurrent loans | 437.3494% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 6,930 |
| Noncurrent loans to loans | 0.2823% | 6,812 |
| Net loans and leases to total assets | 61.3754% | 5,463 |
| Net loans and leases to deposits | 69.1831% | 6,072 |
| Net loans and leases to core deposits | 82.9458% | 6,164 |
| Total domestic deposits to total assets | 88.7144% | 1,425 |
| Equity capital to assets | 10.8418% | 3,067 |
| Core capital (leverage) ratio | 10.1926% | 3,103 |
| Tier 1 risk-based capital ratio | 14.5918% | 3,196 |
| Total risk-based capital ratio | 15.6691% | 3,229 |
| Memoranda: | ||
| Average total assets | $49,161,000 | 6,865 |
| Average earning assets | $45,177,000 | 6,830 |
| Average equity | $5,128,000 | 7,017 |
| Average total loans | $28,599,000 | 6,814 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9834% | 6,970 |
| Cost of funding earning assets | 1.6583% | 5,784 |
| Net interest margin | 3.3252% | 5,422 |
| Noninterest income to average assets | 0.3594% | 5,566 |
| Noninterest expense to average assets | 1.6852% | 7,840 |
| Loan and lease loss provision to assets | 0.3993% | 2,929 |
| Net operating income to assets | 1.1581% | 1,775 |
| Return on assets (ROA) | 1.1581% | 1,899 |
| Pretax return on assets | 1.3338% | 2,166 |
| Return on Equity (ROE) | 11.3127% | 1,876 |
| Retained earnings to average equity (ytd only) | -24.4978% | 7,760 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5981% | 7,694 |
| Assets per employee ($millions) | 4.1504% | 3,359 |
| Cash dividends to net income (ytd only)* | 316.5517% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6395% | 2,356 |
| Loan loss allowance to noncurrent loans | 582.8947% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 6,918 |
| Noncurrent loans to loans | 0.2813% | 6,733 |
| Net loans and leases to total assets | 53.3621% | 6,543 |
| Net loans and leases to deposits | 59.6231% | 6,925 |
| Net loans and leases to core deposits | 69.8255% | 7,030 |
| Total domestic deposits to total assets | 89.4990% | 1,007 |
| Equity capital to assets | 10.0713% | 3,918 |
| Core capital (leverage) ratio | 9.8869% | 3,535 |
| Tier 1 risk-based capital ratio | 14.4420% | 3,338 |
| Total risk-based capital ratio | 15.6938% | 3,263 |
| Memoranda: | ||
| Average total assets | $50,083,000 | 6,860 |
| Average earning assets | $46,072,500 | 6,834 |
| Average equity | $5,127,000 | 7,071 |
| Average total loans | $28,196,500 | 6,869 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2086% | 4,471 |
| Cost of funding earning assets | 2.2346% | 5,440 |
| Net interest margin | 3.9740% | 3,243 |
| Noninterest income to average assets | 0.7970% | 2,533 |
| Noninterest expense to average assets | 2.1776% | 7,024 |
| Loan and lease loss provision to assets | 0.2831% | 4,124 |
| Net operating income to assets | 1.8563% | 484 |
| Return on assets (ROA) | 1.8705% | 448 |
| Pretax return on assets | 2.0034% | 596 |
| Return on Equity (ROE) | 17.5772% | 570 |
| Retained earnings to average equity (ytd only) | 6.1797% | 1,451 |
| Net charge-offs to loans | 0.2379% | 3,869 |
| Credit loss provision to net charge-offs | 183.0986% | 2,722 |
| Earnings coverage of net charge-offs (x) | 14.6901% | 2,018 |
| Efficiency ratio | 48.3113% | 7,780 |
| Assets per employee ($millions) | 5.0361% | 1,918 |
| Cash dividends to net income (ytd only)* | 64.8428% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 3,543 |
| Loan loss allowance to noncurrent loans | 7,860.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 7,330 |
| Noncurrent loans to loans | 0.0170% | 7,465 |
| Net loans and leases to total assets | 57.5445% | 6,266 |
| Net loans and leases to deposits | 64.5190% | 6,756 |
| Net loans and leases to core deposits | 72.2081% | 7,069 |
| Total domestic deposits to total assets | 89.1900% | 965 |
| Equity capital to assets | 10.4009% | 3,609 |
| Core capital (leverage) ratio | 10.8436% | 2,707 |
| Tier 1 risk-based capital ratio | 14.6203% | 3,245 |
| Total risk-based capital ratio | 15.7525% | 3,215 |
| Memoranda: | ||
| Average total assets | $45,923,000 | 6,941 |
| Average earning assets | $42,199,400 | 6,940 |
| Average equity | $4,887,000 | 7,182 |
| Average total loans | $29,849,400 | 6,719 |