Home > Table Grove State Bank > Performance and Condition Ratios
Table Grove State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1810% | 2,774 |
| Cost of funding earning assets | 0.7184% | 4,188 |
| Net interest margin | 4.4626% | 663 |
| Noninterest income to average assets | 0.4500% | 1,965 |
| Noninterest expense to average assets | 3.9555% | 391 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.8189% | 2,798 |
| Return on assets (ROA) | 0.8189% | 2,798 |
| Pretax return on assets | 0.8189% | 3,149 |
| Return on Equity (ROE) | 7.3400% | 3,046 |
| Retained earnings to average equity (ytd only) | -18.3503% | 4,369 |
| Net charge-offs to loans | 0.0969% | 846 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 1,626 |
| Efficiency ratio | 82.8473% | 783 |
| Assets per employee ($millions) | 6.1690% | 2,821 |
| Cash dividends to net income (ytd only)* | 350.0000% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 2,963 |
| Loan loss allowance to noncurrent loans | 973.5294% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 3,195 |
| Noncurrent loans to loans | 0.1080% | 3,120 |
| Net loans and leases to total assets | 63.1400% | 2,593 |
| Net loans and leases to deposits | 71.5004% | 2,768 |
| Net loans and leases to core deposits | 76.6687% | 2,915 |
| Total domestic deposits to total assets | 88.3100% | 1,443 |
| Equity capital to assets | 10.8952% | 1,716 |
| Core capital (leverage) ratio | 12.4375% | 1,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $48,844,000 | 4,230 |
| Average earning assets | $47,326,500 | 4,189 |
| Average equity | $5,449,500 | 4,211 |
| Average total loans | $33,026,000 | 4,049 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1714% | 2,796 |
| Cost of funding earning assets | 0.4947% | 4,312 |
| Net interest margin | 4.6767% | 509 |
| Noninterest income to average assets | 1.7300% | 301 |
| Noninterest expense to average assets | 5.3410% | 206 |
| Loan and lease loss provision to assets | 0.1800% | 759 |
| Net operating income to assets | 0.7171% | 2,931 |
| Return on assets (ROA) | 0.7171% | 2,951 |
| Pretax return on assets | 0.7171% | 3,219 |
| Return on Equity (ROE) | 6.1600% | 3,244 |
| Retained earnings to average equity (ytd only) | -3.6777% | 4,241 |
| Net charge-offs to loans | 0.2243% | 649 |
| Credit loss provision to net charge-offs | 108.2192% | 1,784 |
| Earnings coverage of net charge-offs (x) | 5.7534% | 2,560 |
| Efficiency ratio | 85.5918% | 702 |
| Assets per employee ($millions) | 6.0420% | 2,855 |
| Cash dividends to net income (ytd only)* | 159.7015% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 3,312 |
| Loan loss allowance to noncurrent loans | 430.3797% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 2,634 |
| Noncurrent loans to loans | 0.2286% | 2,601 |
| Net loans and leases to total assets | 70.7900% | 1,801 |
| Net loans and leases to deposits | 80.4226% | 2,098 |
| Net loans and leases to core deposits | 85.7297% | 2,411 |
| Total domestic deposits to total assets | 88.0300% | 1,505 |
| Equity capital to assets | 11.4242% | 1,405 |
| Core capital (leverage) ratio | 13.2541% | 987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $46,713,800 | 4,253 |
| Average earning assets | $45,075,000 | 4,213 |
| Average equity | $5,438,200 | 4,209 |
| Average total loans | $32,539,400 | 4,058 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1237% | 2,811 |
| Cost of funding earning assets | 0.4148% | 4,371 |
| Net interest margin | 4.7089% | 484 |
| Noninterest income to average assets | 1.7500% | 288 |
| Noninterest expense to average assets | 5.7555% | 178 |
| Loan and lease loss provision to assets | 0.1400% | 908 |
| Net operating income to assets | 0.4060% | 3,673 |
| Return on assets (ROA) | 0.4060% | 3,702 |
| Pretax return on assets | 0.4060% | 3,801 |
| Return on Equity (ROE) | 3.4700% | 3,817 |
| Retained earnings to average equity (ytd only) | -8.9834% | 4,421 |
| Net charge-offs to loans | 0.3122% | 411 |
| Credit loss provision to net charge-offs | 62.6667% | 1,971 |
| Earnings coverage of net charge-offs (x) | 2.5067% | 2,587 |
| Efficiency ratio | 91.4037% | 481 |
| Assets per employee ($millions) | 5.6325% | 3,170 |
| Cash dividends to net income (ytd only)* | 358.8652% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 3,372 |
| Loan loss allowance to noncurrent loans | 2,040.0000% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 3,507 |
| Noncurrent loans to loans | 0.0477% | 3,464 |
| Net loans and leases to total assets | 69.0700% | 1,953 |
| Net loans and leases to deposits | 79.2463% | 2,250 |
| Net loans and leases to core deposits | 83.7951% | 2,585 |
| Total domestic deposits to total assets | 87.1600% | 1,537 |
| Equity capital to assets | 12.3857% | 1,139 |
| Core capital (leverage) ratio | 13.7363% | 874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $46,308,250 | 4,282 |
| Average earning assets | $44,680,250 | 4,245 |
| Average equity | $5,417,250 | 4,234 |
| Average total loans | $32,034,500 | 4,079 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0462% | 2,868 |
| Cost of funding earning assets | 0.3772% | 4,384 |
| Net interest margin | 4.6689% | 512 |
| Noninterest income to average assets | 1.7300% | 297 |
| Noninterest expense to average assets | 6.0311% | 172 |
| Loan and lease loss provision to assets | 0.2000% | 545 |
| Net operating income to assets | -0.0043% | 4,254 |
| Return on assets (ROA) | -0.0043% | 4,279 |
| Pretax return on assets | -0.0043% | 4,264 |
| Return on Equity (ROE) | -0.0400% | 4,260 |
| Retained earnings to average equity (ytd only) | -17.8270% | 4,492 |
| Net charge-offs to loans | 0.3723% | 314 |
| Credit loss provision to net charge-offs | 78.3333% | 1,664 |
| Earnings coverage of net charge-offs (x) | 0.7667% | 2,512 |
| Efficiency ratio | 96.8385% | 349 |
| Assets per employee ($millions) | 5.0517% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 2,956 |
| Loan loss allowance to noncurrent loans | 2,675.0000% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 3,547 |
| Noncurrent loans to loans | 0.0399% | 3,496 |
| Net loans and leases to total assets | 65.5200% | 2,397 |
| Net loans and leases to deposits | 74.3932% | 2,673 |
| Net loans and leases to core deposits | 75.1097% | 3,096 |
| Total domestic deposits to total assets | 88.0800% | 1,301 |
| Equity capital to assets | 11.4308% | 1,376 |
| Core capital (leverage) ratio | 13.2348% | 1,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $46,724,333 | 4,298 |
| Average earning assets | $45,063,667 | 4,263 |
| Average equity | $5,362,667 | 4,245 |
| Average total loans | $32,236,000 | 4,092 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8855% | 3,005 |
| Cost of funding earning assets | 0.3765% | 4,403 |
| Net interest margin | 4.5090% | 577 |
| Noninterest income to average assets | 1.6300% | 306 |
| Noninterest expense to average assets | 7.2475% | 144 |
| Loan and lease loss provision to assets | 0.4000% | 213 |
| Net operating income to assets | -1.6641% | 4,547 |
| Return on assets (ROA) | -1.6641% | 4,539 |
| Pretax return on assets | -1.6641% | 4,536 |
| Return on Equity (ROE) | -14.4700% | 4,505 |
| Retained earnings to average equity (ytd only) | -47.3051% | 4,522 |
| Net charge-offs to loans | 0.7448% | 130 |
| Credit loss provision to net charge-offs | 75.8065% | 1,305 |
| Earnings coverage of net charge-offs (x) | -2.4194% | 4,517 |
| Efficiency ratio | 121.1864% | 115 |
| Assets per employee ($millions) | 5.8728% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 3,304 |
| Loan loss allowance to noncurrent loans | 590.7407% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 2,873 |
| Noncurrent loans to loans | 0.1692% | 2,774 |
| Net loans and leases to total assets | 67.2400% | 2,097 |
| Net loans and leases to deposits | 75.8676% | 2,434 |
| Net loans and leases to core deposits | 76.5683% | 2,942 |
| Total domestic deposits to total assets | 88.6200% | 1,220 |
| Equity capital to assets | 10.7914% | 1,590 |
| Core capital (leverage) ratio | 12.6490% | 1,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $47,354,000 | 4,321 |
| Average earning assets | $45,686,000 | 4,279 |
| Average equity | $5,445,500 | 4,257 |
| Average total loans | $33,298,500 | 4,095 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8382% | 2,397 |
| Cost of funding earning assets | 0.3612% | 4,326 |
| Net interest margin | 4.4770% | 638 |
| Noninterest income to average assets | 1.4800% | 393 |
| Noninterest expense to average assets | 3.8329% | 416 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.9719% | 488 |
| Return on assets (ROA) | 1.9719% | 466 |
| Pretax return on assets | 1.9719% | 701 |
| Return on Equity (ROE) | 18.5000% | 757 |
| Retained earnings to average equity (ytd only) | 10.2149% | 960 |
| Net charge-offs to loans | -0.0061% | 3,878 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.0299% | 2,350 |
| Assets per employee ($millions) | 4.7726% | 3,790 |
| Cash dividends to net income (ytd only)* | 44.7853% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 3,479 |
| Loan loss allowance to noncurrent loans | 388.3721% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 2,332 |
| Noncurrent loans to loans | 0.2479% | 2,312 |
| Net loans and leases to total assets | 71.9800% | 1,582 |
| Net loans and leases to deposits | 82.3288% | 1,920 |
| Net loans and leases to core deposits | 83.0875% | 2,516 |
| Total domestic deposits to total assets | 87.4300% | 1,547 |
| Equity capital to assets | 12.1967% | 1,067 |
| Core capital (leverage) ratio | 13.9107% | 820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $49,597,200 | 4,323 |
| Average earning assets | $47,889,600 | 4,274 |
| Average equity | $5,286,400 | 4,234 |
| Average total loans | $32,802,000 | 4,097 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8002% | 2,263 |
| Cost of funding earning assets | 0.3529% | 4,313 |
| Net interest margin | 4.4473% | 667 |
| Noninterest income to average assets | 1.4500% | 407 |
| Noninterest expense to average assets | 3.8589% | 392 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8908% | 569 |
| Return on assets (ROA) | 1.8908% | 559 |
| Pretax return on assets | 1.8908% | 872 |
| Return on Equity (ROE) | 18.3700% | 901 |
| Retained earnings to average equity (ytd only) | 7.8144% | 2,034 |
| Net charge-offs to loans | -0.0082% | 3,880 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.1144% | 2,127 |
| Assets per employee ($millions) | 4.7778% | 3,755 |
| Cash dividends to net income (ytd only)* | 57.4648% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 3,293 |
| Loan loss allowance to noncurrent loans | 607.2727% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 2,799 |
| Noncurrent loans to loans | 0.1671% | 2,699 |
| Net loans and leases to total assets | 68.1800% | 2,026 |
| Net loans and leases to deposits | 76.7668% | 2,358 |
| Net loans and leases to core deposits | 77.4586% | 2,769 |
| Total domestic deposits to total assets | 88.8200% | 1,313 |
| Equity capital to assets | 10.7267% | 1,465 |
| Core capital (leverage) ratio | 12.7314% | 1,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $50,065,000 | 4,335 |
| Average earning assets | $48,357,750 | 4,287 |
| Average equity | $5,152,750 | 4,260 |
| Average total loans | $32,330,250 | 4,119 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6450% | 2,320 |
| Cost of funding earning assets | 0.3300% | 4,270 |
| Net interest margin | 4.3149% | 789 |
| Noninterest income to average assets | 1.4900% | 328 |
| Noninterest expense to average assets | 3.7185% | 430 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9399% | 517 |
| Return on assets (ROA) | 1.9399% | 516 |
| Pretax return on assets | 1.9399% | 821 |
| Return on Equity (ROE) | 19.1000% | 820 |
| Retained earnings to average equity (ytd only) | 4.4169% | 3,101 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.7163% | 2,275 |
| Assets per employee ($millions) | 5.0351% | 3,571 |
| Cash dividends to net income (ytd only)* | 76.8763% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 3,248 |
| Loan loss allowance to noncurrent loans | 467.6056% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 2,562 |
| Noncurrent loans to loans | 0.2223% | 2,374 |
| Net loans and leases to total assets | 62.7700% | 2,502 |
| Net loans and leases to deposits | 70.2389% | 2,764 |
| Net loans and leases to core deposits | 70.8356% | 3,077 |
| Total domestic deposits to total assets | 89.3600% | 1,119 |
| Equity capital to assets | 10.3017% | 1,687 |
| Core capital (leverage) ratio | 12.3122% | 1,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $50,827,333 | 4,351 |
| Average earning assets | $49,085,333 | 4,305 |
| Average equity | $5,162,000 | 4,280 |
| Average total loans | $32,137,000 | 4,136 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 2,068 |
| Cost of funding earning assets | 0.3083% | 4,174 |
| Net interest margin | 4.2997% | 808 |
| Noninterest income to average assets | 1.3100% | 387 |
| Noninterest expense to average assets | 3.4936% | 543 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9661% | 515 |
| Return on assets (ROA) | 1.9661% | 507 |
| Pretax return on assets | 1.9661% | 826 |
| Return on Equity (ROE) | 19.5000% | 816 |
| Retained earnings to average equity (ytd only) | -7.6901% | 4,422 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.9885% | 2,463 |
| Assets per employee ($millions) | 5.1947% | 3,508 |
| Cash dividends to net income (ytd only)* | 139.4422% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 3,238 |
| Loan loss allowance to noncurrent loans | 278.9916% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 1,972 |
| Noncurrent loans to loans | 0.3814% | 1,788 |
| Net loans and leases to total assets | 59.4300% | 2,724 |
| Net loans and leases to deposits | 66.0011% | 2,935 |
| Net loans and leases to core deposits | 66.5402% | 3,184 |
| Total domestic deposits to total assets | 90.0400% | 1,144 |
| Equity capital to assets | 9.7850% | 1,941 |
| Core capital (leverage) ratio | 11.2352% | 1,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $51,065,500 | 4,406 |
| Average earning assets | $49,306,000 | 4,358 |
| Average equity | $5,149,500 | 4,340 |
| Average total loans | $32,237,500 | 4,194 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7788% | 2,336 |
| Cost of funding earning assets | 0.1907% | 3,833 |
| Net interest margin | 3.5881% | 1,684 |
| Noninterest income to average assets | 1.3400% | 390 |
| Noninterest expense to average assets | 3.5130% | 485 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2972% | 1,441 |
| Return on assets (ROA) | 1.2972% | 1,402 |
| Pretax return on assets | 1.2972% | 2,097 |
| Return on Equity (ROE) | 12.8100% | 1,870 |
| Retained earnings to average equity (ytd only) | 5.6916% | 2,752 |
| Net charge-offs to loans | 0.0422% | 1,275 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 48.7143% | 1,381 |
| Efficiency ratio | 73.0328% | 1,319 |
| Assets per employee ($millions) | 4.5622% | 3,992 |
| Cash dividends to net income (ytd only)* | 55.5718% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 3,901 |
| Loan loss allowance to noncurrent loans | 459.6774% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 2,664 |
| Noncurrent loans to loans | 0.1863% | 2,556 |
| Net loans and leases to total assets | 65.7300% | 2,066 |
| Net loans and leases to deposits | 73.6623% | 2,281 |
| Net loans and leases to core deposits | 74.2911% | 2,548 |
| Total domestic deposits to total assets | 89.2300% | 1,656 |
| Equity capital to assets | 10.3938% | 1,504 |
| Core capital (leverage) ratio | 12.0610% | 1,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $52,576,800 | 4,415 |
| Average earning assets | $50,862,600 | 4,364 |
| Average equity | $5,323,600 | 4,400 |
| Average total loans | $33,170,200 | 4,184 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6632% | 2,157 |
| Cost of funding earning assets | 0.1917% | 3,373 |
| Net interest margin | 3.4715% | 1,743 |
| Noninterest income to average assets | 1.3700% | 396 |
| Noninterest expense to average assets | 3.5229% | 479 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2035% | 1,684 |
| Return on assets (ROA) | 1.2035% | 1,658 |
| Pretax return on assets | 1.2035% | 2,352 |
| Return on Equity (ROE) | 11.9600% | 2,044 |
| Retained earnings to average equity (ytd only) | 3.2395% | 3,714 |
| Net charge-offs to loans | 0.0563% | 920 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 34.2857% | 1,454 |
| Efficiency ratio | 74.5358% | 1,229 |
| Assets per employee ($millions) | 4.7596% | 3,869 |
| Cash dividends to net income (ytd only)* | 72.9167% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8602% | 3,960 |
| Loan loss allowance to noncurrent loans | 527.7778% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 2,927 |
| Noncurrent loans to loans | 0.1630% | 2,789 |
| Net loans and leases to total assets | 62.7400% | 2,218 |
| Net loans and leases to deposits | 69.4096% | 2,422 |
| Net loans and leases to core deposits | 69.9685% | 2,647 |
| Total domestic deposits to total assets | 90.3900% | 1,483 |
| Equity capital to assets | 9.1890% | 2,096 |
| Core capital (leverage) ratio | 11.0793% | 1,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $53,175,000 | 4,438 |
| Average earning assets | $51,465,500 | 4,392 |
| Average equity | $5,350,500 | 4,435 |
| Average total loans | $33,145,000 | 4,210 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4800% | 2,195 |
| Cost of funding earning assets | 0.1936% | 2,999 |
| Net interest margin | 3.2865% | 1,943 |
| Noninterest income to average assets | 1.3995% | 370 |
| Noninterest expense to average assets | 3.4875% | 445 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0889% | 1,816 |
| Return on assets (ROA) | 1.0889% | 1,798 |
| Pretax return on assets | 1.0889% | 2,445 |
| Return on Equity (ROE) | 10.5238% | 2,160 |
| Retained earnings to average equity (ytd only) | -1.0849% | 4,300 |
| Net charge-offs to loans | 0.0845% | 649 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 20.7857% | 1,539 |
| Efficiency ratio | 76.2061% | 1,255 |
| Assets per employee ($millions) | 4.9028% | 3,764 |
| Cash dividends to net income (ytd only)* | 110.3093% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8657% | 4,047 |
| Loan loss allowance to noncurrent loans | 647.7273% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 3,166 |
| Noncurrent loans to loans | 0.1336% | 3,044 |
| Net loans and leases to total assets | 60.5181% | 2,271 |
| Net loans and leases to deposits | 66.8305% | 2,481 |
| Net loans and leases to core deposits | 67.3518% | 2,709 |
| Total domestic deposits to total assets | 90.5546% | 1,439 |
| Equity capital to assets | 9.1376% | 2,293 |
| Core capital (leverage) ratio | 10.7028% | 1,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,448,000 | 4,477 |
| Average earning assets | $51,666,000 | 4,443 |
| Average equity | $5,530,333 | 4,464 |
| Average total loans | $33,149,667 | 4,261 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5206% | 1,739 |
| Cost of funding earning assets | 0.1865% | 2,990 |
| Net interest margin | 3.3341% | 1,485 |
| Noninterest income to average assets | 1.3758% | 398 |
| Noninterest expense to average assets | 3.6687% | 357 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9322% | 2,146 |
| Return on assets (ROA) | 0.9322% | 2,140 |
| Pretax return on assets | 0.9322% | 2,655 |
| Return on Equity (ROE) | 8.5055% | 2,511 |
| Retained earnings to average equity (ytd only) | -11.5236% | 4,589 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7386% | 1,171 |
| Assets per employee ($millions) | 5.0152% | 3,742 |
| Cash dividends to net income (ytd only)* | 235.4839% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9162% | 3,998 |
| Loan loss allowance to noncurrent loans | 467.1875% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 3,001 |
| Noncurrent loans to loans | 0.1961% | 2,836 |
| Net loans and leases to total assets | 58.6129% | 2,230 |
| Net loans and leases to deposits | 65.2126% | 2,411 |
| Net loans and leases to core deposits | 65.7135% | 2,659 |
| Total domestic deposits to total assets | 89.8798% | 1,638 |
| Equity capital to assets | 9.9298% | 1,950 |
| Core capital (leverage) ratio | 10.4475% | 1,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,206,500 | 4,503 |
| Average earning assets | $51,468,000 | 4,469 |
| Average equity | $5,831,500 | 4,483 |
| Average total loans | $33,263,000 | 4,274 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5215% | 2,602 |
| Cost of funding earning assets | 0.2037% | 3,425 |
| Net interest margin | 3.3178% | 2,260 |
| Noninterest income to average assets | 1.2361% | 695 |
| Noninterest expense to average assets | 3.5599% | 446 |
| Loan and lease loss provision to assets | 0.0586% | 1,888 |
| Net operating income to assets | 0.8260% | 3,255 |
| Return on assets (ROA) | 0.8260% | 3,326 |
| Pretax return on assets | 0.8299% | 3,668 |
| Return on Equity (ROE) | 6.8542% | 3,553 |
| Retained earnings to average equity (ytd only) | -0.2431% | 4,521 |
| Net charge-offs to loans | 0.0243% | 1,756 |
| Credit loss provision to net charge-offs | 375.0000% | 945 |
| Earnings coverage of net charge-offs (x) | 56.8750% | 1,215 |
| Efficiency ratio | 80.0263% | 803 |
| Assets per employee ($millions) | 4.6587% | 3,994 |
| Cash dividends to net income (ytd only)* | 103.5461% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8822% | 4,105 |
| Loan loss allowance to noncurrent loans | 964.5161% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 3,563 |
| Noncurrent loans to loans | 0.0915% | 3,466 |
| Net loans and leases to total assets | 65.5524% | 1,524 |
| Net loans and leases to deposits | 74.8240% | 1,660 |
| Net loans and leases to core deposits | 75.4594% | 1,961 |
| Total domestic deposits to total assets | 87.6088% | 2,236 |
| Equity capital to assets | 12.0692% | 1,223 |
| Core capital (leverage) ratio | 11.3804% | 1,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,209,000 | 4,553 |
| Average earning assets | $49,580,600 | 4,512 |
| Average equity | $6,171,400 | 4,515 |
| Average total loans | $32,871,200 | 4,317 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4802% | 2,898 |
| Cost of funding earning assets | 0.2041% | 3,566 |
| Net interest margin | 3.2761% | 2,492 |
| Noninterest income to average assets | 1.2448% | 745 |
| Noninterest expense to average assets | 3.6119% | 403 |
| Loan and lease loss provision to assets | 0.0527% | 1,934 |
| Net operating income to assets | 0.7526% | 3,648 |
| Return on assets (ROA) | 0.7526% | 3,710 |
| Pretax return on assets | 0.7578% | 3,962 |
| Return on Equity (ROE) | 6.2471% | 3,858 |
| Retained earnings to average equity (ytd only) | -2.5724% | 4,720 |
| Net charge-offs to loans | 0.0123% | 1,874 |
| Credit loss provision to net charge-offs | 666.6667% | 661 |
| Earnings coverage of net charge-offs (x) | 103.6667% | 856 |
| Efficiency ratio | 81.6843% | 653 |
| Assets per employee ($millions) | 4.5705% | 4,070 |
| Cash dividends to net income (ytd only)* | 141.1765% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8440% | 4,288 |
| Loan loss allowance to noncurrent loans | 980.0000% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 3,721 |
| Noncurrent loans to loans | 0.0861% | 3,653 |
| Net loans and leases to total assets | 68.7021% | 1,236 |
| Net loans and leases to deposits | 78.6627% | 1,419 |
| Net loans and leases to core deposits | 79.3458% | 1,793 |
| Total domestic deposits to total assets | 87.3376% | 2,193 |
| Equity capital to assets | 12.2466% | 1,289 |
| Core capital (leverage) ratio | 11.2764% | 1,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,199,750 | 4,614 |
| Average earning assets | $49,651,250 | 4,573 |
| Average equity | $6,168,000 | 4,580 |
| Average total loans | $32,616,000 | 4,380 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4477% | 3,033 |
| Cost of funding earning assets | 0.2042% | 3,704 |
| Net interest margin | 3.2435% | 2,628 |
| Noninterest income to average assets | 1.2503% | 749 |
| Noninterest expense to average assets | 3.4053% | 530 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9824% | 2,951 |
| Return on assets (ROA) | 0.9824% | 3,041 |
| Pretax return on assets | 0.9901% | 3,464 |
| Return on Equity (ROE) | 8.1988% | 3,353 |
| Retained earnings to average equity (ytd only) | -4.0832% | 4,761 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4735% | 954 |
| Assets per employee ($millions) | 5.2413% | 3,416 |
| Cash dividends to net income (ytd only)* | 149.8024% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 4,269 |
| Loan loss allowance to noncurrent loans | 589.3617% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 3,604 |
| Noncurrent loans to loans | 0.1454% | 3,475 |
| Net loans and leases to total assets | 61.1337% | 2,291 |
| Net loans and leases to deposits | 69.4482% | 2,469 |
| Net loans and leases to core deposits | 70.0203% | 2,781 |
| Total domestic deposits to total assets | 88.0278% | 1,804 |
| Equity capital to assets | 11.7204% | 1,507 |
| Core capital (leverage) ratio | 10.6798% | 1,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,508,000 | 4,641 |
| Average earning assets | $49,946,333 | 4,599 |
| Average equity | $6,171,667 | 4,607 |
| Average total loans | $31,876,667 | 4,433 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5011% | 2,923 |
| Cost of funding earning assets | 0.2107% | 3,820 |
| Net interest margin | 3.2904% | 2,421 |
| Noninterest income to average assets | 1.2535% | 804 |
| Noninterest expense to average assets | 3.1887% | 728 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2457% | 1,992 |
| Return on assets (ROA) | 1.2457% | 2,074 |
| Pretax return on assets | 1.2457% | 2,712 |
| Return on Equity (ROE) | 10.2813% | 2,601 |
| Retained earnings to average equity (ytd only) | -12.3505% | 4,852 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9081% | 1,505 |
| Assets per employee ($millions) | 5.2944% | 3,341 |
| Cash dividends to net income (ytd only)* | 220.1258% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 4,155 |
| Loan loss allowance to noncurrent loans | 814.7059% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 3,919 |
| Noncurrent loans to loans | 0.1105% | 3,755 |
| Net loans and leases to total assets | 57.6156% | 2,844 |
| Net loans and leases to deposits | 66.6230% | 2,847 |
| Net loans and leases to core deposits | 67.1761% | 3,141 |
| Total domestic deposits to total assets | 86.4801% | 2,535 |
| Equity capital to assets | 11.4366% | 1,581 |
| Core capital (leverage) ratio | 10.9859% | 1,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,055,500 | 4,664 |
| Average earning assets | $49,355,500 | 4,630 |
| Average equity | $6,186,000 | 4,625 |
| Average total loans | $31,655,500 | 4,459 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2554% | 1,986 |
| Cost of funding earning assets | 0.2687% | 4,299 |
| Net interest margin | 3.9866% | 998 |
| Noninterest income to average assets | 1.0534% | 957 |
| Noninterest expense to average assets | 3.4584% | 737 |
| Loan and lease loss provision to assets | 0.0536% | 3,699 |
| Net operating income to assets | 1.3731% | 1,079 |
| Return on assets (ROA) | 1.3731% | 1,172 |
| Pretax return on assets | 1.3924% | 1,682 |
| Return on Equity (ROE) | 10.7610% | 1,717 |
| Retained earnings to average equity (ytd only) | 3.3964% | 3,124 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5162% | 1,881 |
| Assets per employee ($millions) | 4.9167% | 3,487 |
| Cash dividends to net income (ytd only)* | 68.4375% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8515% | 4,318 |
| Loan loss allowance to noncurrent loans | 893.5484% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.0631% | 4,028 |
| Noncurrent loans to loans | 0.0953% | 3,916 |
| Net loans and leases to total assets | 65.5989% | 2,146 |
| Net loans and leases to deposits | 77.4270% | 2,132 |
| Net loans and leases to core deposits | 78.1342% | 2,536 |
| Total domestic deposits to total assets | 84.7235% | 2,867 |
| Equity capital to assets | 12.8480% | 1,158 |
| Core capital (leverage) ratio | 12.4995% | 1,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,611,000 | 4,693 |
| Average earning assets | $45,025,400 | 4,661 |
| Average equity | $5,947,400 | 4,651 |
| Average total loans | $32,813,400 | 4,462 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3899% | 1,875 |
| Cost of funding earning assets | 0.2849% | 4,372 |
| Net interest margin | 4.1051% | 890 |
| Noninterest income to average assets | 1.0731% | 904 |
| Noninterest expense to average assets | 3.6369% | 588 |
| Loan and lease loss provision to assets | 0.0718% | 3,424 |
| Net operating income to assets | 1.3341% | 1,274 |
| Return on assets (ROA) | 1.3341% | 1,365 |
| Pretax return on assets | 1.3341% | 1,925 |
| Return on Equity (ROE) | 10.4751% | 1,851 |
| Retained earnings to average equity (ytd only) | 1.1841% | 4,188 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1104% | 1,634 |
| Assets per employee ($millions) | 4.4745% | 3,875 |
| Cash dividends to net income (ytd only)* | 88.6957% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8439% | 4,242 |
| Loan loss allowance to noncurrent loans | 923.3333% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 4,103 |
| Noncurrent loans to loans | 0.0914% | 4,003 |
| Net loans and leases to total assets | 72.7389% | 1,551 |
| Net loans and leases to deposits | 87.1102% | 1,582 |
| Net loans and leases to core deposits | 87.9958% | 2,147 |
| Total domestic deposits to total assets | 83.5021% | 2,988 |
| Equity capital to assets | 13.6999% | 942 |
| Core capital (leverage) ratio | 12.5149% | 1,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,972,000 | 4,724 |
| Average earning assets | $44,464,250 | 4,689 |
| Average equity | $5,855,000 | 4,682 |
| Average total loans | $32,884,250 | 4,487 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4542% | 2,063 |
| Cost of funding earning assets | 0.3076% | 4,452 |
| Net interest margin | 4.1465% | 1,025 |
| Noninterest income to average assets | 1.1039% | 815 |
| Noninterest expense to average assets | 3.5532% | 696 |
| Loan and lease loss provision to assets | 0.1078% | 2,931 |
| Net operating income to assets | 1.4532% | 1,012 |
| Return on assets (ROA) | 1.4532% | 1,098 |
| Pretax return on assets | 1.4532% | 1,581 |
| Return on Equity (ROE) | 11.6946% | 1,418 |
| Retained earnings to average equity (ytd only) | -1.4575% | 4,534 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4772% | 2,023 |
| Assets per employee ($millions) | 4.8095% | 3,405 |
| Cash dividends to net income (ytd only)* | 112.4629% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 4,088 |
| Loan loss allowance to noncurrent loans | 346.2500% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 3,693 |
| Noncurrent loans to loans | 0.2538% | 3,472 |
| Net loans and leases to total assets | 64.9756% | 2,757 |
| Net loans and leases to deposits | 76.4115% | 2,815 |
| Net loans and leases to core deposits | 77.1205% | 3,185 |
| Total domestic deposits to total assets | 85.0338% | 2,382 |
| Equity capital to assets | 12.4753% | 1,385 |
| Core capital (leverage) ratio | 12.1263% | 1,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,381,000 | 4,741 |
| Average earning assets | $44,857,000 | 4,702 |
| Average equity | $5,763,333 | 4,715 |
| Average total loans | $32,904,333 | 4,511 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7161% | 1,665 |
| Cost of funding earning assets | 0.3271% | 4,575 |
| Net interest margin | 4.3890% | 638 |
| Noninterest income to average assets | 1.3883% | 457 |
| Noninterest expense to average assets | 3.5673% | 849 |
| Loan and lease loss provision to assets | 0.0879% | 2,590 |
| Net operating income to assets | 1.9770% | 283 |
| Return on assets (ROA) | 1.9770% | 311 |
| Pretax return on assets | 1.9770% | 473 |
| Return on Equity (ROE) | 15.9433% | 431 |
| Retained earnings to average equity (ytd only) | -8.8574% | 4,721 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3385% | 3,320 |
| Assets per employee ($millions) | 4.5438% | 3,204 |
| Cash dividends to net income (ytd only)* | 155.5556% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7741% | 4,463 |
| Loan loss allowance to noncurrent loans | 358.9041% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 3,857 |
| Noncurrent loans to loans | 0.2157% | 3,707 |
| Net loans and leases to total assets | 73.9139% | 1,619 |
| Net loans and leases to deposits | 86.0051% | 2,000 |
| Net loans and leases to core deposits | 86.8413% | 2,609 |
| Total domestic deposits to total assets | 85.9413% | 2,023 |
| Equity capital to assets | 11.9217% | 2,128 |
| Core capital (leverage) ratio | 12.2231% | 1,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,524,000 | 4,776 |
| Average earning assets | $44,019,000 | 4,738 |
| Average equity | $5,645,000 | 4,768 |
| Average total loans | $33,593,000 | 4,516 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5229% | 2,869 |
| Cost of funding earning assets | 0.3857% | 4,489 |
| Net interest margin | 4.1373% | 1,457 |
| Noninterest income to average assets | 1.0213% | 932 |
| Noninterest expense to average assets | 3.5085% | 953 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5033% | 1,044 |
| Return on assets (ROA) | 1.5253% | 1,055 |
| Pretax return on assets | 1.5253% | 1,729 |
| Return on Equity (ROE) | 12.7526% | 1,258 |
| Retained earnings to average equity (ytd only) | 11.1332% | 313 |
| Net charge-offs to loans | 0.0407% | 2,574 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 52.5385% | 1,088 |
| Efficiency ratio | 70.0044% | 2,171 |
| Assets per employee ($millions) | 4.5610% | 3,137 |
| Cash dividends to net income (ytd only)* | 12.6984% | 3,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7559% | 4,434 |
| Loan loss allowance to noncurrent loans | 614.6341% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 4,185 |
| Noncurrent loans to loans | 0.1230% | 4,032 |
| Net loans and leases to total assets | 72.5433% | 2,002 |
| Net loans and leases to deposits | 87.8548% | 1,872 |
| Net loans and leases to core deposits | 88.7408% | 2,537 |
| Total domestic deposits to total assets | 82.5718% | 3,338 |
| Equity capital to assets | 12.8766% | 1,598 |
| Core capital (leverage) ratio | 12.4028% | 1,536 |
| Tier 1 risk-based capital ratio | 16.9783% | 2,057 |
| Total risk-based capital ratio | 17.7217% | 2,171 |
| Memoranda: | ||
| Average total assets | $45,432,800 | 4,823 |
| Average earning assets | $43,821,200 | 4,789 |
| Average equity | $5,434,200 | 4,835 |
| Average total loans | $31,955,400 | 4,600 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5115% | 3,023 |
| Cost of funding earning assets | 0.3503% | 4,655 |
| Net interest margin | 4.1612% | 1,470 |
| Noninterest income to average assets | 1.0281% | 883 |
| Noninterest expense to average assets | 3.4398% | 1,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6010% | 934 |
| Return on assets (ROA) | 1.6303% | 906 |
| Pretax return on assets | 1.6303% | 1,526 |
| Return on Equity (ROE) | 13.8976% | 1,004 |
| Retained earnings to average equity (ytd only) | 12.4203% | 338 |
| Net charge-offs to loans | 0.0253% | 2,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 90.8313% | 799 |
| Efficiency ratio | 68.2401% | 2,373 |
| Assets per employee ($millions) | 4.6308% | 3,004 |
| Cash dividends to net income (ytd only)* | 10.6300% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 4,376 |
| Loan loss allowance to noncurrent loans | 454.3860% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 4,113 |
| Noncurrent loans to loans | 0.1790% | 3,895 |
| Net loans and leases to total assets | 68.1999% | 2,762 |
| Net loans and leases to deposits | 83.4465% | 2,514 |
| Net loans and leases to core deposits | 84.2816% | 3,070 |
| Total domestic deposits to total assets | 81.7289% | 3,554 |
| Equity capital to assets | 12.4320% | 1,963 |
| Core capital (leverage) ratio | 12.4740% | 1,583 |
| Tier 1 risk-based capital ratio | 17.7361% | 1,890 |
| Total risk-based capital ratio | 18.5496% | 1,959 |
| Memoranda: | ||
| Average total assets | $45,388,500 | 4,896 |
| Average earning assets | $43,768,250 | 4,860 |
| Average equity | $5,324,500 | 4,911 |
| Average total loans | $31,609,500 | 4,672 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3544% | 3,477 |
| Cost of funding earning assets | 0.3173% | 4,778 |
| Net interest margin | 4.0371% | 1,806 |
| Noninterest income to average assets | 1.0692% | 747 |
| Noninterest expense to average assets | 3.3938% | 1,115 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5705% | 971 |
| Return on assets (ROA) | 1.5705% | 1,012 |
| Pretax return on assets | 1.5705% | 1,639 |
| Return on Equity (ROE) | 13.6671% | 1,061 |
| Retained earnings to average equity (ytd only) | 12.1614% | 389 |
| Net charge-offs to loans | 0.0444% | 2,011 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 50.5714% | 1,083 |
| Efficiency ratio | 68.3646% | 2,474 |
| Assets per employee ($millions) | 4.4773% | 3,177 |
| Cash dividends to net income (ytd only)* | 11.0169% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8093% | 4,412 |
| Loan loss allowance to noncurrent loans | 992.3077% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 4,464 |
| Noncurrent loans to loans | 0.0816% | 4,312 |
| Net loans and leases to total assets | 70.6229% | 2,444 |
| Net loans and leases to deposits | 86.9613% | 2,136 |
| Net loans and leases to core deposits | 87.8675% | 2,811 |
| Total domestic deposits to total assets | 81.2119% | 3,747 |
| Equity capital to assets | 12.3534% | 1,936 |
| Core capital (leverage) ratio | 12.2012% | 1,699 |
| Tier 1 risk-based capital ratio | 16.2548% | 2,310 |
| Total risk-based capital ratio | 17.0220% | 2,445 |
| Memoranda: | ||
| Average total assets | $45,082,000 | 4,938 |
| Average earning assets | $43,496,670 | 4,907 |
| Average equity | $5,180,330 | 4,962 |
| Average total loans | $31,532,330 | 4,707 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4198% | 3,149 |
| Cost of funding earning assets | 0.3026% | 4,838 |
| Net interest margin | 4.1172% | 1,508 |
| Noninterest income to average assets | 1.1849% | 579 |
| Noninterest expense to average assets | 3.4485% | 1,040 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7066% | 719 |
| Return on assets (ROA) | 1.7066% | 745 |
| Pretax return on assets | 1.7066% | 1,191 |
| Return on Equity (ROE) | 15.4246% | 675 |
| Retained earnings to average equity (ytd only) | 14.2258% | 337 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8954% | 2,811 |
| Assets per employee ($millions) | 4.5314% | 3,142 |
| Cash dividends to net income (ytd only)* | 7.7720% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8485% | 4,353 |
| Loan loss allowance to noncurrent loans | 1,325.0000% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 4,614 |
| Noncurrent loans to loans | 0.0640% | 4,476 |
| Net loans and leases to total assets | 68.3387% | 2,709 |
| Net loans and leases to deposits | 77.3556% | 3,125 |
| Net loans and leases to core deposits | 78.0871% | 3,514 |
| Total domestic deposits to total assets | 88.3436% | 1,158 |
| Equity capital to assets | 11.4225% | 2,472 |
| Core capital (leverage) ratio | 11.8238% | 1,891 |
| Tier 1 risk-based capital ratio | 16.0715% | 2,404 |
| Total risk-based capital ratio | 16.8714% | 2,525 |
| Memoranda: | ||
| Average total assets | $45,236,500 | 4,991 |
| Average earning assets | $43,622,000 | 4,952 |
| Average equity | $5,005,000 | 5,027 |
| Average total loans | $31,359,500 | 4,763 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2252% | 3,372 |
| Cost of funding earning assets | 0.3231% | 4,447 |
| Net interest margin | 3.9021% | 2,319 |
| Noninterest income to average assets | 0.8924% | 1,194 |
| Noninterest expense to average assets | 3.3645% | 1,202 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2960% | 1,822 |
| Return on assets (ROA) | 1.3004% | 1,786 |
| Pretax return on assets | 1.3004% | 2,496 |
| Return on Equity (ROE) | 12.3008% | 1,613 |
| Retained earnings to average equity (ytd only) | 5.0772% | 2,726 |
| Net charge-offs to loans | 0.0361% | 2,679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 1,089 |
| Efficiency ratio | 72.1910% | 1,869 |
| Assets per employee ($millions) | 4.1054% | 3,739 |
| Cash dividends to net income (ytd only)* | 58.7248% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 4,386 |
| Loan loss allowance to noncurrent loans | 473.2143% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 4,204 |
| Noncurrent loans to loans | 0.1779% | 3,957 |
| Net loans and leases to total assets | 69.1379% | 2,710 |
| Net loans and leases to deposits | 80.1345% | 2,941 |
| Net loans and leases to core deposits | 80.9133% | 3,356 |
| Total domestic deposits to total assets | 86.2774% | 2,101 |
| Equity capital to assets | 10.7044% | 2,979 |
| Core capital (leverage) ratio | 11.1921% | 2,364 |
| Tier 1 risk-based capital ratio | 15.9235% | 2,434 |
| Total risk-based capital ratio | 16.7435% | 2,543 |
| Memoranda: | ||
| Average total assets | $45,831,800 | 5,021 |
| Average earning assets | $44,257,800 | 4,974 |
| Average equity | $4,845,200 | 5,070 |
| Average total loans | $30,466,600 | 4,809 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1755% | 3,398 |
| Cost of funding earning assets | 0.3057% | 4,480 |
| Net interest margin | 3.8697% | 2,404 |
| Noninterest income to average assets | 0.8724% | 1,280 |
| Noninterest expense to average assets | 3.3130% | 1,273 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3014% | 1,847 |
| Return on assets (ROA) | 1.3014% | 1,849 |
| Pretax return on assets | 1.3014% | 2,622 |
| Return on Equity (ROE) | 12.3484% | 1,659 |
| Retained earnings to average equity (ytd only) | 11.2758% | 595 |
| Net charge-offs to loans | 0.0486% | 2,132 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 40.8078% | 1,335 |
| Efficiency ratio | 71.7965% | 1,919 |
| Assets per employee ($millions) | 4.2101% | 3,561 |
| Cash dividends to net income (ytd only)* | 8.6862% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8487% | 4,469 |
| Loan loss allowance to noncurrent loans | 456.8966% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 4,335 |
| Noncurrent loans to loans | 0.1858% | 4,052 |
| Net loans and leases to total assets | 66.8502% | 3,085 |
| Net loans and leases to deposits | 76.9378% | 3,334 |
| Net loans and leases to core deposits | 77.6596% | 3,683 |
| Total domestic deposits to total assets | 86.8886% | 1,782 |
| Equity capital to assets | 10.5482% | 3,095 |
| Core capital (leverage) ratio | 11.7585% | 1,951 |
| Tier 1 risk-based capital ratio | 15.9278% | 2,472 |
| Total risk-based capital ratio | 16.7227% | 2,594 |
| Memoranda: | ||
| Average total assets | $46,000,000 | 5,071 |
| Average earning assets | $44,481,000 | 5,023 |
| Average equity | $4,848,000 | 5,130 |
| Average total loans | $30,211,500 | 4,868 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1289% | 3,349 |
| Cost of funding earning assets | 0.2840% | 4,539 |
| Net interest margin | 3.8449% | 2,403 |
| Noninterest income to average assets | 0.8715% | 1,266 |
| Noninterest expense to average assets | 3.2595% | 1,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3291% | 1,664 |
| Return on assets (ROA) | 1.3291% | 1,669 |
| Pretax return on assets | 1.3291% | 2,398 |
| Return on Equity (ROE) | 12.6146% | 1,503 |
| Retained earnings to average equity (ytd only) | 11.8288% | 546 |
| Net charge-offs to loans | 0.0268% | 2,318 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 76.2500% | 848 |
| Efficiency ratio | 71.0351% | 2,158 |
| Assets per employee ($millions) | 4.1345% | 3,673 |
| Cash dividends to net income (ytd only)* | 6.2295% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8886% | 4,390 |
| Loan loss allowance to noncurrent loans | 171.0692% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 3,358 |
| Noncurrent loans to loans | 0.5194% | 2,862 |
| Net loans and leases to total assets | 66.7077% | 3,050 |
| Net loans and leases to deposits | 78.3523% | 3,119 |
| Net loans and leases to core deposits | 79.1165% | 3,489 |
| Total domestic deposits to total assets | 85.1382% | 2,624 |
| Equity capital to assets | 10.6709% | 2,956 |
| Core capital (leverage) ratio | 11.4507% | 2,111 |
| Tier 1 risk-based capital ratio | 16.4005% | 2,292 |
| Total risk-based capital ratio | 17.2607% | 2,375 |
| Memoranda: | ||
| Average total assets | $45,896,330 | 5,129 |
| Average earning assets | $44,370,330 | 5,084 |
| Average equity | $4,835,670 | 5,186 |
| Average total loans | $29,874,000 | 4,929 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0637% | 3,356 |
| Cost of funding earning assets | 0.2787% | 4,518 |
| Net interest margin | 3.7850% | 2,482 |
| Noninterest income to average assets | 0.9804% | 948 |
| Noninterest expense to average assets | 3.2014% | 1,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4315% | 1,249 |
| Return on assets (ROA) | 1.4315% | 1,258 |
| Pretax return on assets | 1.4315% | 1,898 |
| Return on Equity (ROE) | 13.6731% | 1,093 |
| Retained earnings to average equity (ytd only) | 13.6731% | 439 |
| Net charge-offs to loans | 0.1356% | 996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,619 |
| Efficiency ratio | 69.1011% | 2,647 |
| Assets per employee ($millions) | 4.1839% | 3,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9033% | 4,434 |
| Loan loss allowance to noncurrent loans | 542.8571% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 4,553 |
| Noncurrent loans to loans | 0.1664% | 4,228 |
| Net loans and leases to total assets | 63.4031% | 3,381 |
| Net loans and leases to deposits | 70.9648% | 3,706 |
| Net loans and leases to core deposits | 71.6161% | 3,996 |
| Total domestic deposits to total assets | 89.3445% | 946 |
| Equity capital to assets | 10.4448% | 3,126 |
| Core capital (leverage) ratio | 10.7514% | 2,686 |
| Tier 1 risk-based capital ratio | 16.0285% | 2,458 |
| Total risk-based capital ratio | 16.8703% | 2,566 |
| Memoranda: | ||
| Average total assets | $46,105,000 | 5,184 |
| Average earning assets | $44,491,000 | 5,144 |
| Average equity | $4,827,000 | 5,244 |
| Average total loans | $29,506,000 | 4,982 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2124% | 2,638 |
| Cost of funding earning assets | 0.2787% | 4,329 |
| Net interest margin | 3.9338% | 1,972 |
| Noninterest income to average assets | 0.7294% | 1,846 |
| Noninterest expense to average assets | 3.4923% | 1,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9814% | 2,320 |
| Return on assets (ROA) | 1.0145% | 2,215 |
| Pretax return on assets | 1.0145% | 3,512 |
| Return on Equity (ROE) | 9.3304% | 2,169 |
| Retained earnings to average equity (ytd only) | 1.8092% | 4,234 |
| Net charge-offs to loans | 0.0268% | 3,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 1,013 |
| Efficiency ratio | 78.0632% | 1,338 |
| Assets per employee ($millions) | 4.1988% | 3,656 |
| Cash dividends to net income (ytd only)* | 80.6100% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9335% | 4,300 |
| Loan loss allowance to noncurrent loans | 189.0411% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3161% | 3,610 |
| Noncurrent loans to loans | 0.4938% | 3,043 |
| Net loans and leases to total assets | 63.4161% | 3,432 |
| Net loans and leases to deposits | 71.5997% | 3,738 |
| Net loans and leases to core deposits | 72.2585% | 4,032 |
| Total domestic deposits to total assets | 88.5704% | 1,215 |
| Equity capital to assets | 10.4943% | 3,174 |
| Core capital (leverage) ratio | 10.4327% | 2,928 |
| Tier 1 risk-based capital ratio | 15.8806% | 2,477 |
| Total risk-based capital ratio | 16.7753% | 2,553 |
| Memoranda: | ||
| Average total assets | $45,242,400 | 5,247 |
| Average earning assets | $43,063,000 | 5,208 |
| Average equity | $4,919,400 | 5,284 |
| Average total loans | $29,836,000 | 5,033 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1995% | 2,619 |
| Cost of funding earning assets | 0.2714% | 4,395 |
| Net interest margin | 3.9281% | 1,941 |
| Noninterest income to average assets | 0.7229% | 1,890 |
| Noninterest expense to average assets | 3.5254% | 953 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9272% | 2,892 |
| Return on assets (ROA) | 0.9717% | 2,734 |
| Pretax return on assets | 0.9717% | 3,796 |
| Return on Equity (ROE) | 8.8571% | 2,692 |
| Retained earnings to average equity (ytd only) | 7.2640% | 1,559 |
| Net charge-offs to loans | 0.0357% | 2,720 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 39.1115% | 1,324 |
| Efficiency ratio | 79.1750% | 1,192 |
| Assets per employee ($millions) | 4.1763% | 3,685 |
| Cash dividends to net income (ytd only)* | 17.9868% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9190% | 4,472 |
| Loan loss allowance to noncurrent loans | 129.5775% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.4637% | 3,179 |
| Noncurrent loans to loans | 0.7092% | 2,584 |
| Net loans and leases to total assets | 64.7772% | 3,286 |
| Net loans and leases to deposits | 73.2378% | 3,643 |
| Net loans and leases to core deposits | 73.9164% | 3,980 |
| Total domestic deposits to total assets | 88.4477% | 1,152 |
| Equity capital to assets | 11.1496% | 2,721 |
| Core capital (leverage) ratio | 11.1233% | 2,349 |
| Tier 1 risk-based capital ratio | 16.9633% | 2,166 |
| Total risk-based capital ratio | 17.8849% | 2,227 |
| Memoranda: | ||
| Average total assets | $45,006,250 | 5,306 |
| Average earning assets | $42,734,000 | 5,272 |
| Average equity | $4,937,500 | 5,339 |
| Average total loans | $29,903,500 | 5,082 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0247% | 3,118 |
| Cost of funding earning assets | 0.2513% | 4,530 |
| Net interest margin | 3.7734% | 2,391 |
| Noninterest income to average assets | 0.7876% | 1,614 |
| Noninterest expense to average assets | 3.5261% | 972 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8905% | 2,961 |
| Return on assets (ROA) | 0.9576% | 2,681 |
| Pretax return on assets | 0.9576% | 3,736 |
| Return on Equity (ROE) | 8.7777% | 2,615 |
| Retained earnings to average equity (ytd only) | 7.1780% | 1,508 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8379% | 1,224 |
| Assets per employee ($millions) | 3.6737% | 4,474 |
| Cash dividends to net income (ytd only)* | 18.2243% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 4,392 |
| Loan loss allowance to noncurrent loans | 112.6984% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.5716% | 2,851 |
| Noncurrent loans to loans | 0.8470% | 2,289 |
| Net loans and leases to total assets | 66.8428% | 2,979 |
| Net loans and leases to deposits | 75.7565% | 3,372 |
| Net loans and leases to core deposits | 76.4900% | 3,730 |
| Total domestic deposits to total assets | 88.2338% | 1,339 |
| Equity capital to assets | 11.4645% | 2,344 |
| Core capital (leverage) ratio | 11.1148% | 2,304 |
| Tier 1 risk-based capital ratio | 16.6963% | 2,240 |
| Total risk-based capital ratio | 17.6475% | 2,306 |
| Memoranda: | ||
| Average total assets | $44,695,330 | 5,348 |
| Average earning assets | $42,984,670 | 5,306 |
| Average equity | $4,876,000 | 5,389 |
| Average total loans | $29,860,000 | 5,120 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9623% | 3,167 |
| Cost of funding earning assets | 0.2500% | 4,538 |
| Net interest margin | 3.7123% | 2,450 |
| Noninterest income to average assets | 0.8178% | 1,493 |
| Noninterest expense to average assets | 3.5466% | 980 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8355% | 3,055 |
| Return on assets (ROA) | 0.8355% | 3,108 |
| Pretax return on assets | 0.8355% | 3,991 |
| Return on Equity (ROE) | 7.8546% | 2,992 |
| Retained earnings to average equity (ytd only) | 6.1834% | 2,239 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9331% | 1,266 |
| Assets per employee ($millions) | 3.8503% | 4,259 |
| Cash dividends to net income (ytd only)* | 21.2766% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 4,375 |
| Loan loss allowance to noncurrent loans | 617.3913% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 4,871 |
| Noncurrent loans to loans | 0.1594% | 4,546 |
| Net loans and leases to total assets | 61.8518% | 3,558 |
| Net loans and leases to deposits | 69.2263% | 3,874 |
| Net loans and leases to core deposits | 69.8575% | 4,157 |
| Total domestic deposits to total assets | 89.3472% | 976 |
| Equity capital to assets | 10.4623% | 3,222 |
| Core capital (leverage) ratio | 10.6755% | 2,712 |
| Tier 1 risk-based capital ratio | 16.4047% | 2,395 |
| Total risk-based capital ratio | 17.3585% | 2,456 |
| Memoranda: | ||
| Average total assets | $45,001,000 | 5,407 |
| Average earning assets | $43,207,500 | 5,367 |
| Average equity | $4,787,000 | 5,461 |
| Average total loans | $29,914,500 | 5,165 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1092% | 2,817 |
| Cost of funding earning assets | 0.2739% | 4,320 |
| Net interest margin | 3.8352% | 2,187 |
| Noninterest income to average assets | 0.7779% | 1,835 |
| Noninterest expense to average assets | 3.5224% | 1,128 |
| Loan and lease loss provision to assets | 0.0543% | 3,296 |
| Net operating income to assets | 0.8518% | 3,059 |
| Return on assets (ROA) | 0.8648% | 3,114 |
| Pretax return on assets | 0.8648% | 3,957 |
| Return on Equity (ROE) | 7.8458% | 3,030 |
| Retained earnings to average equity (ytd only) | 0.5520% | 5,105 |
| Net charge-offs to loans | 0.0097% | 3,936 |
| Credit loss provision to net charge-offs | 833.3333% | 441 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 453 |
| Efficiency ratio | 79.5388% | 1,478 |
| Assets per employee ($millions) | 3.6498% | 4,543 |
| Cash dividends to net income (ytd only)* | 92.9648% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 4,711 |
| Loan loss allowance to noncurrent loans | 450.7937% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 4,734 |
| Noncurrent loans to loans | 0.2034% | 4,429 |
| Net loans and leases to total assets | 70.0557% | 2,459 |
| Net loans and leases to deposits | 80.6662% | 2,823 |
| Net loans and leases to core deposits | 81.4651% | 3,259 |
| Total domestic deposits to total assets | 86.8464% | 2,223 |
| Equity capital to assets | 10.8224% | 2,793 |
| Core capital (leverage) ratio | 10.6924% | 2,667 |
| Tier 1 risk-based capital ratio | 15.5051% | 2,746 |
| Total risk-based capital ratio | 16.4202% | 2,828 |
| Memoranda: | ||
| Average total assets | $46,019,800 | 5,420 |
| Average earning assets | $43,804,600 | 5,380 |
| Average equity | $5,072,800 | 5,455 |
| Average total loans | $30,789,400 | 5,165 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0914% | 2,905 |
| Cost of funding earning assets | 0.2800% | 4,292 |
| Net interest margin | 3.8115% | 2,289 |
| Noninterest income to average assets | 0.7872% | 1,818 |
| Noninterest expense to average assets | 3.4753% | 1,194 |
| Loan and lease loss provision to assets | 0.0716% | 2,781 |
| Net operating income to assets | 0.8645% | 3,079 |
| Return on assets (ROA) | 0.8817% | 3,124 |
| Pretax return on assets | 0.8817% | 4,045 |
| Return on Equity (ROE) | 7.9647% | 3,024 |
| Retained earnings to average equity (ytd only) | 6.4389% | 1,942 |
| Net charge-offs to loans | 0.0130% | 3,498 |
| Credit loss provision to net charge-offs | 833.3333% | 481 |
| Earnings coverage of net charge-offs (x) | 108.9975% | 619 |
| Efficiency ratio | 78.7800% | 1,584 |
| Assets per employee ($millions) | 3.7240% | 4,430 |
| Cash dividends to net income (ytd only)* | 19.1545% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9601% | 4,616 |
| Loan loss allowance to noncurrent loans | 507.1429% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 4,923 |
| Noncurrent loans to loans | 0.1893% | 4,588 |
| Net loans and leases to total assets | 65.5590% | 3,197 |
| Net loans and leases to deposits | 79.4667% | 3,022 |
| Net loans and leases to core deposits | 80.2768% | 3,421 |
| Total domestic deposits to total assets | 82.4987% | 3,779 |
| Equity capital to assets | 11.8287% | 2,233 |
| Core capital (leverage) ratio | 11.2804% | 2,206 |
| Tier 1 risk-based capital ratio | 16.9392% | 2,244 |
| Total risk-based capital ratio | 17.8949% | 2,307 |
| Memoranda: | ||
| Average total assets | $46,575,250 | 5,466 |
| Average earning assets | $44,286,500 | 5,428 |
| Average equity | $5,156,000 | 5,498 |
| Average total loans | $30,745,000 | 5,218 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0906% | 2,904 |
| Cost of funding earning assets | 0.2748% | 4,394 |
| Net interest margin | 3.8158% | 2,250 |
| Noninterest income to average assets | 0.8559% | 1,525 |
| Noninterest expense to average assets | 3.2836% | 1,629 |
| Loan and lease loss provision to assets | 0.1059% | 2,091 |
| Net operating income to assets | 1.1143% | 1,910 |
| Return on assets (ROA) | 1.1397% | 1,926 |
| Pretax return on assets | 1.1397% | 3,041 |
| Return on Equity (ROE) | 10.5229% | 1,839 |
| Retained earnings to average equity (ytd only) | 8.9973% | 850 |
| Net charge-offs to loans | -0.0193% | 4,930 |
| Credit loss provision to net charge-offs | -833.3333% | 5,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9069% | 2,532 |
| Assets per employee ($millions) | 4.1694% | 3,623 |
| Cash dividends to net income (ytd only)* | 14.4981% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 4,694 |
| Loan loss allowance to noncurrent loans | 743.5897% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 5,187 |
| Noncurrent loans to loans | 0.1299% | 4,919 |
| Net loans and leases to total assets | 64.8453% | 3,246 |
| Net loans and leases to deposits | 76.3406% | 3,342 |
| Net loans and leases to core deposits | 77.0766% | 3,729 |
| Total domestic deposits to total assets | 84.9421% | 2,906 |
| Equity capital to assets | 11.5104% | 2,540 |
| Core capital (leverage) ratio | 10.7267% | 2,720 |
| Tier 1 risk-based capital ratio | 16.3068% | 2,496 |
| Total risk-based capital ratio | 17.2499% | 2,581 |
| Memoranda: | ||
| Average total assets | $47,204,330 | 5,519 |
| Average earning assets | $45,128,000 | 5,479 |
| Average equity | $5,112,670 | 5,563 |
| Average total loans | $31,133,000 | 5,260 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0676% | 2,975 |
| Cost of funding earning assets | 0.2706% | 4,489 |
| Net interest margin | 3.7970% | 2,296 |
| Noninterest income to average assets | 1.0110% | 1,052 |
| Noninterest expense to average assets | 3.4757% | 1,228 |
| Loan and lease loss provision to assets | 0.2089% | 932 |
| Net operating income to assets | 0.9608% | 2,455 |
| Return on assets (ROA) | 0.9608% | 2,573 |
| Pretax return on assets | 0.9608% | 3,617 |
| Return on Equity (ROE) | 9.1460% | 2,346 |
| Retained earnings to average equity (ytd only) | 7.5554% | 1,640 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8201% | 2,350 |
| Assets per employee ($millions) | 4.3376% | 3,349 |
| Cash dividends to net income (ytd only)* | 17.3913% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 5,084 |
| Loan loss allowance to noncurrent loans | 387.8378% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 4,953 |
| Noncurrent loans to loans | 0.2299% | 4,607 |
| Net loans and leases to total assets | 66.8546% | 2,835 |
| Net loans and leases to deposits | 82.2266% | 2,516 |
| Net loans and leases to core deposits | 83.0206% | 3,043 |
| Total domestic deposits to total assets | 81.3053% | 4,401 |
| Equity capital to assets | 10.7034% | 3,254 |
| Core capital (leverage) ratio | 10.1913% | 3,326 |
| Tier 1 risk-based capital ratio | 14.9354% | 3,191 |
| Total risk-based capital ratio | 15.8138% | 3,301 |
| Memoranda: | ||
| Average total assets | $47,875,000 | 5,553 |
| Average earning assets | $45,826,000 | 5,497 |
| Average equity | $5,029,500 | 5,617 |
| Average total loans | $31,684,500 | 5,279 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9368% | 3,576 |
| Cost of funding earning assets | 0.2780% | 4,502 |
| Net interest margin | 3.6588% | 2,902 |
| Noninterest income to average assets | 0.6405% | 2,515 |
| Noninterest expense to average assets | 3.3470% | 1,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8016% | 3,330 |
| Return on assets (ROA) | 0.8822% | 3,055 |
| Pretax return on assets | 0.8822% | 3,915 |
| Return on Equity (ROE) | 8.3132% | 2,795 |
| Retained earnings to average equity (ytd only) | 1.1097% | 5,073 |
| Net charge-offs to loans | 0.0777% | 2,711 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 16.8696% | 2,104 |
| Efficiency ratio | 80.6773% | 1,588 |
| Assets per employee ($millions) | 4.3669% | 3,275 |
| Cash dividends to net income (ytd only)* | 86.6511% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8402% | 5,298 |
| Loan loss allowance to noncurrent loans | 181.9444% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 4,402 |
| Noncurrent loans to loans | 0.4618% | 3,816 |
| Net loans and leases to total assets | 64.3705% | 3,216 |
| Net loans and leases to deposits | 79.3986% | 2,895 |
| Net loans and leases to core deposits | 80.1623% | 3,326 |
| Total domestic deposits to total assets | 81.0725% | 4,462 |
| Equity capital to assets | 10.3089% | 3,614 |
| Core capital (leverage) ratio | 10.0224% | 3,476 |
| Tier 1 risk-based capital ratio | 15.0544% | 3,154 |
| Total risk-based capital ratio | 15.8789% | 3,290 |
| Memoranda: | ||
| Average total assets | $48,401,200 | 5,578 |
| Average earning assets | $46,408,200 | 5,515 |
| Average equity | $5,136,400 | 5,625 |
| Average total loans | $29,598,400 | 5,371 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9164% | 3,696 |
| Cost of funding earning assets | 0.2806% | 4,554 |
| Net interest margin | 3.6359% | 3,014 |
| Noninterest income to average assets | 0.6104% | 2,687 |
| Noninterest expense to average assets | 3.1812% | 2,017 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9211% | 2,854 |
| Return on assets (ROA) | 1.0228% | 2,452 |
| Pretax return on assets | 1.0228% | 3,530 |
| Return on Equity (ROE) | 9.5705% | 2,285 |
| Retained earnings to average equity (ytd only) | 8.0525% | 1,226 |
| Net charge-offs to loans | 0.0593% | 2,758 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 25.7738% | 1,646 |
| Efficiency ratio | 77.5469% | 2,014 |
| Assets per employee ($millions) | 3.9543% | 3,964 |
| Cash dividends to net income (ytd only)* | 15.8592% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9114% | 5,163 |
| Loan loss allowance to noncurrent loans | 217.6000% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 4,717 |
| Noncurrent loans to loans | 0.4188% | 4,099 |
| Net loans and leases to total assets | 62.3232% | 3,560 |
| Net loans and leases to deposits | 73.5336% | 3,597 |
| Net loans and leases to core deposits | 73.5336% | 4,058 |
| Total domestic deposits to total assets | 84.7548% | 3,106 |
| Equity capital to assets | 11.1083% | 2,897 |
| Core capital (leverage) ratio | 10.0346% | 3,573 |
| Tier 1 risk-based capital ratio | 16.2555% | 2,689 |
| Total risk-based capital ratio | 17.1326% | 2,792 |
| Memoranda: | ||
| Average total assets | $48,492,500 | 5,646 |
| Average earning assets | $46,571,750 | 5,582 |
| Average equity | $5,182,500 | 5,678 |
| Average total loans | $29,202,250 | 5,456 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8557% | 3,842 |
| Cost of funding earning assets | 0.2854% | 4,556 |
| Net interest margin | 3.5702% | 3,209 |
| Noninterest income to average assets | 0.5979% | 2,754 |
| Noninterest expense to average assets | 3.1655% | 2,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8641% | 3,065 |
| Return on assets (ROA) | 1.0156% | 2,422 |
| Pretax return on assets | 1.0156% | 3,520 |
| Return on Equity (ROE) | 9.6255% | 2,242 |
| Retained earnings to average equity (ytd only) | 8.1118% | 1,219 |
| Net charge-offs to loans | 0.0759% | 2,306 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 19.1818% | 1,761 |
| Efficiency ratio | 78.5569% | 1,981 |
| Assets per employee ($millions) | 4.2808% | 3,337 |
| Cash dividends to net income (ytd only)* | 15.7258% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 5,159 |
| Loan loss allowance to noncurrent loans | 415.1515% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1285% | 5,342 |
| Noncurrent loans to loans | 0.2256% | 4,878 |
| Net loans and leases to total assets | 56.4201% | 4,295 |
| Net loans and leases to deposits | 65.0149% | 4,439 |
| Net loans and leases to core deposits | 65.0149% | 4,728 |
| Total domestic deposits to total assets | 86.7802% | 2,276 |
| Equity capital to assets | 10.0857% | 3,938 |
| Core capital (leverage) ratio | 10.1543% | 3,392 |
| Tier 1 risk-based capital ratio | 16.1630% | 2,780 |
| Total risk-based capital ratio | 17.0601% | 2,910 |
| Memoranda: | ||
| Average total assets | $48,839,670 | 5,701 |
| Average earning assets | $46,943,670 | 5,635 |
| Average equity | $5,153,000 | 5,737 |
| Average total loans | $28,988,000 | 5,521 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0565% | 3,016 |
| Cost of funding earning assets | 0.2985% | 4,456 |
| Net interest margin | 3.7579% | 2,403 |
| Noninterest income to average assets | 0.5886% | 2,708 |
| Noninterest expense to average assets | 3.1445% | 2,148 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0426% | 2,064 |
| Return on assets (ROA) | 1.0426% | 2,210 |
| Pretax return on assets | 1.0426% | 3,329 |
| Return on Equity (ROE) | 9.6517% | 2,157 |
| Retained earnings to average equity (ytd only) | 8.0950% | 1,533 |
| Net charge-offs to loans | 0.1525% | 1,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 11.2727% | 1,874 |
| Efficiency ratio | 75.1004% | 2,644 |
| Assets per employee ($millions) | 3.9492% | 4,061 |
| Cash dividends to net income (ytd only)* | 16.1290% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 5,241 |
| Loan loss allowance to noncurrent loans | 117.0940% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.4938% | 4,048 |
| Noncurrent loans to loans | 0.8137% | 3,212 |
| Net loans and leases to total assets | 60.1076% | 3,637 |
| Net loans and leases to deposits | 71.3785% | 3,608 |
| Net loans and leases to core deposits | 71.3785% | 4,025 |
| Total domestic deposits to total assets | 84.2097% | 3,734 |
| Equity capital to assets | 11.0108% | 2,956 |
| Core capital (leverage) ratio | 10.1474% | 3,409 |
| Tier 1 risk-based capital ratio | 16.0033% | 2,921 |
| Total risk-based capital ratio | 16.9106% | 3,019 |
| Memoranda: | ||
| Average total assets | $47,574,500 | 5,783 |
| Average earning assets | $45,557,000 | 5,723 |
| Average equity | $5,139,000 | 5,797 |
| Average total loans | $28,853,500 | 5,561 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8867% | 4,172 |
| Cost of funding earning assets | 0.4005% | 3,685 |
| Net interest margin | 3.4862% | 3,849 |
| Noninterest income to average assets | 0.5822% | 2,970 |
| Noninterest expense to average assets | 3.1255% | 2,434 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8006% | 3,367 |
| Return on assets (ROA) | 0.8269% | 3,334 |
| Pretax return on assets | 0.8269% | 4,155 |
| Return on Equity (ROE) | 8.2713% | 2,982 |
| Retained earnings to average equity (ytd only) | 0.5663% | 5,516 |
| Net charge-offs to loans | 0.0252% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 56.5714% | 835 |
| Efficiency ratio | 79.6087% | 1,989 |
| Assets per employee ($millions) | 3.9799% | 4,004 |
| Cash dividends to net income (ytd only)* | 93.1540% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 5,139 |
| Loan loss allowance to noncurrent loans | 276.6990% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 5,162 |
| Noncurrent loans to loans | 0.3558% | 4,588 |
| Net loans and leases to total assets | 60.0159% | 3,792 |
| Net loans and leases to deposits | 71.8443% | 3,700 |
| Net loans and leases to core deposits | 71.8443% | 4,136 |
| Total domestic deposits to total assets | 83.5361% | 3,906 |
| Equity capital to assets | 10.5949% | 3,363 |
| Core capital (leverage) ratio | 9.9501% | 3,642 |
| Tier 1 risk-based capital ratio | 15.2605% | 3,338 |
| Total risk-based capital ratio | 16.1804% | 3,460 |
| Memoranda: | ||
| Average total assets | $49,463,800 | 5,799 |
| Average earning assets | $47,444,000 | 5,741 |
| Average equity | $4,944,800 | 5,867 |
| Average total loans | $27,745,800 | 5,663 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8395% | 4,406 |
| Cost of funding earning assets | 0.4291% | 3,474 |
| Net interest margin | 3.4104% | 4,195 |
| Noninterest income to average assets | 0.5585% | 3,142 |
| Noninterest expense to average assets | 3.0787% | 2,531 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7510% | 3,665 |
| Return on assets (ROA) | 0.7777% | 3,630 |
| Pretax return on assets | 0.7777% | 4,435 |
| Return on Equity (ROE) | 7.8924% | 3,266 |
| Retained earnings to average equity (ytd only) | 5.4786% | 2,777 |
| Net charge-offs to loans | 0.2526% | 1,533 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.4040% | 3,270 |
| Efficiency ratio | 80.3908% | 1,857 |
| Assets per employee ($millions) | 4.0067% | 3,870 |
| Cash dividends to net income (ytd only)* | 30.5833% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8637% | 5,703 |
| Loan loss allowance to noncurrent loans | 150.9434% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 4,947 |
| Noncurrent loans to loans | 0.5722% | 4,203 |
| Net loans and leases to total assets | 57.2983% | 4,167 |
| Net loans and leases to deposits | 69.9000% | 3,929 |
| Net loans and leases to core deposits | 69.9000% | 4,330 |
| Total domestic deposits to total assets | 81.9717% | 4,484 |
| Equity capital to assets | 10.6988% | 3,305 |
| Core capital (leverage) ratio | 10.1830% | 3,433 |
| Tier 1 risk-based capital ratio | 15.9605% | 3,078 |
| Total risk-based capital ratio | 16.7421% | 3,266 |
| Memoranda: | ||
| Average total assets | $49,890,000 | 5,855 |
| Average earning assets | $47,852,000 | 5,792 |
| Average equity | $4,916,000 | 5,933 |
| Average total loans | $27,445,250 | 5,735 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8630% | 4,288 |
| Cost of funding earning assets | 0.4297% | 3,553 |
| Net interest margin | 3.4333% | 4,047 |
| Noninterest income to average assets | 0.5268% | 3,289 |
| Noninterest expense to average assets | 2.9945% | 2,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8239% | 3,214 |
| Return on assets (ROA) | 0.8635% | 3,088 |
| Pretax return on assets | 0.8635% | 4,021 |
| Return on Equity (ROE) | 9.0083% | 2,595 |
| Retained earnings to average equity (ytd only) | 6.1570% | 2,230 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4232% | 2,238 |
| Assets per employee ($millions) | 4.1832% | 3,487 |
| Cash dividends to net income (ytd only)* | 31.6514% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 4,852 |
| Loan loss allowance to noncurrent loans | 175.9036% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 5,051 |
| Noncurrent loans to loans | 0.6325% | 4,128 |
| Net loans and leases to total assets | 51.7052% | 4,775 |
| Net loans and leases to deposits | 60.3843% | 4,835 |
| Net loans and leases to core deposits | 60.7433% | 5,077 |
| Total domestic deposits to total assets | 85.6269% | 3,229 |
| Equity capital to assets | 10.1259% | 3,939 |
| Core capital (leverage) ratio | 9.4284% | 4,431 |
| Tier 1 risk-based capital ratio | 16.4078% | 2,875 |
| Total risk-based capital ratio | 17.3960% | 2,959 |
| Memoranda: | ||
| Average total assets | $50,493,330 | 5,890 |
| Average earning assets | $48,408,000 | 5,831 |
| Average equity | $4,840,000 | 5,993 |
| Average total loans | $27,330,670 | 5,774 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7965% | 4,496 |
| Cost of funding earning assets | 0.4365% | 3,580 |
| Net interest margin | 3.3601% | 4,291 |
| Noninterest income to average assets | 0.4897% | 3,495 |
| Noninterest expense to average assets | 3.0015% | 2,855 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7109% | 3,628 |
| Return on assets (ROA) | 0.7109% | 3,711 |
| Pretax return on assets | 0.7109% | 4,457 |
| Return on Equity (ROE) | 7.6295% | 3,130 |
| Retained earnings to average equity (ytd only) | 3.3909% | 4,096 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8511% | 2,072 |
| Assets per employee ($millions) | 4.3082% | 3,324 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 5,081 |
| Loan loss allowance to noncurrent loans | 237.3984% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 5,483 |
| Noncurrent loans to loans | 0.4675% | 4,756 |
| Net loans and leases to total assets | 50.3308% | 4,876 |
| Net loans and leases to deposits | 58.0868% | 4,931 |
| Net loans and leases to core deposits | 58.4181% | 5,172 |
| Total domestic deposits to total assets | 86.6475% | 3,014 |
| Equity capital to assets | 9.3040% | 4,757 |
| Core capital (leverage) ratio | 9.3480% | 4,506 |
| Tier 1 risk-based capital ratio | 15.8720% | 3,232 |
| Total risk-based capital ratio | 16.8497% | 3,345 |
| Memoranda: | ||
| Average total assets | $50,641,000 | 5,946 |
| Average earning assets | $48,570,500 | 5,879 |
| Average equity | $4,718,500 | 6,068 |
| Average total loans | $27,872,500 | 5,809 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7491% | 4,978 |
| Cost of funding earning assets | 0.5092% | 3,512 |
| Net interest margin | 3.2399% | 4,861 |
| Noninterest income to average assets | 0.5129% | 3,679 |
| Noninterest expense to average assets | 2.9628% | 3,153 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6589% | 3,994 |
| Return on assets (ROA) | 0.6628% | 4,068 |
| Pretax return on assets | 0.6667% | 4,648 |
| Return on Equity (ROE) | 6.7912% | 3,677 |
| Retained earnings to average equity (ytd only) | -0.1011% | 5,890 |
| Net charge-offs to loans | 0.0111% | 5,233 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 424 |
| Efficiency ratio | 81.7193% | 1,917 |
| Assets per employee ($millions) | 4.1320% | 3,569 |
| Cash dividends to net income (ytd only)* | 101.4881% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 5,611 |
| Loan loss allowance to noncurrent loans | 540.7407% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 6,005 |
| Noncurrent loans to loans | 0.1835% | 5,650 |
| Net loans and leases to total assets | 58.7710% | 3,911 |
| Net loans and leases to deposits | 68.4270% | 3,985 |
| Net loans and leases to core deposits | 68.8375% | 4,416 |
| Total domestic deposits to total assets | 85.8886% | 3,319 |
| Equity capital to assets | 9.3316% | 4,650 |
| Core capital (leverage) ratio | 9.2989% | 4,550 |
| Tier 1 risk-based capital ratio | 15.0604% | 3,632 |
| Total risk-based capital ratio | 15.9963% | 3,756 |
| Memoranda: | ||
| Average total assets | $50,696,000 | 6,002 |
| Average earning assets | $48,704,800 | 5,928 |
| Average equity | $4,947,600 | 6,076 |
| Average total loans | $27,138,400 | 5,888 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6599% | 5,276 |
| Cost of funding earning assets | 0.5197% | 3,567 |
| Net interest margin | 3.1402% | 5,197 |
| Noninterest income to average assets | 0.5153% | 3,705 |
| Noninterest expense to average assets | 2.8877% | 3,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6409% | 4,174 |
| Return on assets (ROA) | 0.6461% | 4,265 |
| Pretax return on assets | 0.6513% | 4,852 |
| Return on Equity (ROE) | 6.5502% | 3,902 |
| Retained earnings to average equity (ytd only) | 5.0120% | 3,074 |
| Net charge-offs to loans | -0.0101% | 5,893 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7172% | 1,864 |
| Assets per employee ($millions) | 4.1343% | 3,573 |
| Cash dividends to net income (ytd only)* | 23.4810% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0577% | 5,493 |
| Loan loss allowance to noncurrent loans | 130.8370% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.4576% | 5,057 |
| Noncurrent loans to loans | 0.8084% | 4,219 |
| Net loans and leases to total assets | 56.0006% | 4,324 |
| Net loans and leases to deposits | 65.1388% | 4,391 |
| Net loans and leases to core deposits | 65.9960% | 4,713 |
| Total domestic deposits to total assets | 85.9711% | 3,264 |
| Equity capital to assets | 9.6529% | 4,355 |
| Core capital (leverage) ratio | 9.6381% | 4,187 |
| Tier 1 risk-based capital ratio | 16.3050% | 3,031 |
| Total risk-based capital ratio | 17.2949% | 3,130 |
| Memoranda: | ||
| Average total assets | $50,974,000 | 6,060 |
| Average earning assets | $48,998,250 | 5,987 |
| Average equity | $5,027,750 | 6,127 |
| Average total loans | $26,564,750 | 5,966 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5447% | 5,596 |
| Cost of funding earning assets | 0.5220% | 3,687 |
| Net interest margin | 3.0227% | 5,511 |
| Noninterest income to average assets | 0.5483% | 3,513 |
| Noninterest expense to average assets | 2.8428% | 3,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6029% | 4,264 |
| Return on assets (ROA) | 0.6106% | 4,407 |
| Pretax return on assets | 0.6183% | 4,955 |
| Return on Equity (ROE) | 6.1480% | 4,077 |
| Retained earnings to average equity (ytd only) | 4.6208% | 3,321 |
| Net charge-offs to loans | -0.0153% | 5,882 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3198% | 1,842 |
| Assets per employee ($millions) | 4.2410% | 3,269 |
| Cash dividends to net income (ytd only)* | 24.8408% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 5,302 |
| Loan loss allowance to noncurrent loans | 357.8313% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 6,004 |
| Noncurrent loans to loans | 0.3169% | 5,501 |
| Net loans and leases to total assets | 50.8744% | 5,012 |
| Net loans and leases to deposits | 58.9209% | 5,079 |
| Net loans and leases to core deposits | 59.6718% | 5,289 |
| Total domestic deposits to total assets | 86.3436% | 3,183 |
| Equity capital to assets | 9.4828% | 4,605 |
| Core capital (leverage) ratio | 9.2142% | 4,675 |
| Tier 1 risk-based capital ratio | 16.5534% | 2,917 |
| Total risk-based capital ratio | 17.5729% | 2,987 |
| Memoranda: | ||
| Average total assets | $51,428,000 | 6,087 |
| Average earning assets | $49,425,670 | 6,013 |
| Average equity | $5,107,330 | 6,154 |
| Average total loans | $26,059,670 | 6,020 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5849% | 5,487 |
| Cost of funding earning assets | 0.5317% | 3,757 |
| Net interest margin | 3.0532% | 5,420 |
| Noninterest income to average assets | 0.4256% | 4,281 |
| Noninterest expense to average assets | 2.6695% | 4,186 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6732% | 3,827 |
| Return on assets (ROA) | 0.6732% | 3,984 |
| Pretax return on assets | 0.6886% | 4,626 |
| Return on Equity (ROE) | 6.6311% | 3,701 |
| Retained earnings to average equity (ytd only) | 5.1067% | 3,172 |
| Net charge-offs to loans | -0.0154% | 5,605 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4931% | 2,400 |
| Assets per employee ($millions) | 4.4273% | 3,102 |
| Cash dividends to net income (ytd only)* | 22.9885% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 5,278 |
| Loan loss allowance to noncurrent loans | 302.0408% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 6,018 |
| Noncurrent loans to loans | 0.3896% | 5,438 |
| Net loans and leases to total assets | 46.7935% | 5,351 |
| Net loans and leases to deposits | 54.2937% | 5,408 |
| Net loans and leases to core deposits | 55.3244% | 5,576 |
| Total domestic deposits to total assets | 86.1859% | 3,427 |
| Equity capital to assets | 9.8782% | 4,306 |
| Core capital (leverage) ratio | 9.0090% | 4,867 |
| Tier 1 risk-based capital ratio | 16.3184% | 3,102 |
| Total risk-based capital ratio | 17.3308% | 3,174 |
| Memoranda: | ||
| Average total assets | $51,696,000 | 6,137 |
| Average earning assets | $49,653,000 | 6,059 |
| Average equity | $5,248,000 | 6,172 |
| Average total loans | $25,995,500 | 6,069 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1458% | 4,786 |
| Cost of funding earning assets | 0.6896% | 3,572 |
| Net interest margin | 3.4562% | 4,684 |
| Noninterest income to average assets | 0.4490% | 4,253 |
| Noninterest expense to average assets | 2.8996% | 3,644 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8191% | 3,191 |
| Return on assets (ROA) | 0.9606% | 2,743 |
| Pretax return on assets | 1.0097% | 3,520 |
| Return on Equity (ROE) | 9.2747% | 2,502 |
| Retained earnings to average equity (ytd only) | 3.1988% | 3,973 |
| Net charge-offs to loans | -0.0197% | 6,551 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1116% | 2,574 |
| Assets per employee ($millions) | 4.1888% | 3,566 |
| Cash dividends to net income (ytd only)* | 65.5102% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 5,557 |
| Loan loss allowance to noncurrent loans | 297.9798% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 6,069 |
| Noncurrent loans to loans | 0.3689% | 5,567 |
| Net loans and leases to total assets | 52.8002% | 4,790 |
| Net loans and leases to deposits | 63.3731% | 4,620 |
| Net loans and leases to core deposits | 64.2211% | 4,930 |
| Total domestic deposits to total assets | 83.3164% | 4,594 |
| Equity capital to assets | 10.4407% | 3,601 |
| Core capital (leverage) ratio | 9.3265% | 4,364 |
| Tier 1 risk-based capital ratio | 15.8940% | 3,222 |
| Total risk-based capital ratio | 16.8908% | 3,312 |
| Memoranda: | ||
| Average total assets | $51,007,400 | 6,183 |
| Average earning assets | $48,868,400 | 6,092 |
| Average equity | $5,283,200 | 6,214 |
| Average total loans | $25,381,800 | 6,170 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 4,834 |
| Cost of funding earning assets | 0.7256% | 3,553 |
| Net interest margin | 3.4702% | 4,755 |
| Noninterest income to average assets | 0.4323% | 4,403 |
| Noninterest expense to average assets | 2.7972% | 3,991 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9136% | 2,916 |
| Return on assets (ROA) | 1.1017% | 2,280 |
| Pretax return on assets | 1.1590% | 3,137 |
| Return on Equity (ROE) | 10.6574% | 2,076 |
| Retained earnings to average equity (ytd only) | 9.1708% | 1,165 |
| Net charge-offs to loans | -0.0160% | 6,450 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4283% | 2,912 |
| Assets per employee ($millions) | 4.2012% | 3,468 |
| Cash dividends to net income (ytd only)* | 13.9471% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 5,469 |
| Loan loss allowance to noncurrent loans | 281.7308% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 6,196 |
| Noncurrent loans to loans | 0.4120% | 5,629 |
| Net loans and leases to total assets | 49.4863% | 5,372 |
| Net loans and leases to deposits | 59.8417% | 5,231 |
| Net loans and leases to core deposits | 60.6461% | 5,491 |
| Total domestic deposits to total assets | 82.6953% | 4,756 |
| Equity capital to assets | 11.0287% | 3,240 |
| Core capital (leverage) ratio | 9.7509% | 3,871 |
| Tier 1 risk-based capital ratio | 17.3212% | 2,600 |
| Total risk-based capital ratio | 18.3570% | 2,638 |
| Memoranda: | ||
| Average total assets | $51,193,000 | 6,245 |
| Average earning assets | $49,064,250 | 6,159 |
| Average equity | $5,292,000 | 6,278 |
| Average total loans | $25,018,500 | 6,275 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2668% | 4,698 |
| Cost of funding earning assets | 0.7585% | 3,536 |
| Net interest margin | 3.5083% | 4,632 |
| Noninterest income to average assets | 0.4159% | 4,535 |
| Noninterest expense to average assets | 2.7404% | 4,248 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0320% | 2,331 |
| Return on assets (ROA) | 1.2244% | 1,822 |
| Pretax return on assets | 1.2322% | 2,795 |
| Return on Equity (ROE) | 12.1092% | 1,634 |
| Retained earnings to average equity (ytd only) | 10.6099% | 828 |
| Net charge-offs to loans | -0.0241% | 6,470 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5309% | 3,337 |
| Assets per employee ($millions) | 4.2181% | 3,423 |
| Cash dividends to net income (ytd only)* | 12.3810% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 5,275 |
| Loan loss allowance to noncurrent loans | 252.5862% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 6,200 |
| Noncurrent loans to loans | 0.4827% | 5,559 |
| Net loans and leases to total assets | 46.8993% | 5,734 |
| Net loans and leases to deposits | 55.9618% | 5,648 |
| Net loans and leases to core deposits | 56.6996% | 5,887 |
| Total domestic deposits to total assets | 83.8058% | 4,397 |
| Equity capital to assets | 10.4688% | 3,723 |
| Core capital (leverage) ratio | 9.1617% | 4,669 |
| Tier 1 risk-based capital ratio | 17.5558% | 2,454 |
| Total risk-based capital ratio | 18.6250% | 2,484 |
| Memoranda: | ||
| Average total assets | $51,452,670 | 6,277 |
| Average earning assets | $49,311,000 | 6,181 |
| Average equity | $5,202,670 | 6,333 |
| Average total loans | $24,944,330 | 6,323 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3503% | 4,521 |
| Cost of funding earning assets | 0.8056% | 3,431 |
| Net interest margin | 3.5447% | 4,512 |
| Noninterest income to average assets | 0.3470% | 5,083 |
| Noninterest expense to average assets | 2.4368% | 5,352 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2878% | 1,483 |
| Return on assets (ROA) | 1.2878% | 1,659 |
| Pretax return on assets | 1.3032% | 2,526 |
| Return on Equity (ROE) | 12.9595% | 1,415 |
| Retained earnings to average equity (ytd only) | 11.4075% | 940 |
| Net charge-offs to loans | -0.0315% | 6,365 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1546% | 4,705 |
| Assets per employee ($millions) | 4.4274% | 3,136 |
| Cash dividends to net income (ytd only)* | 11.9760% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 5,388 |
| Loan loss allowance to noncurrent loans | 494.9153% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 6,597 |
| Noncurrent loans to loans | 0.2470% | 6,195 |
| Net loans and leases to total assets | 44.4183% | 5,965 |
| Net loans and leases to deposits | 52.4504% | 5,944 |
| Net loans and leases to core deposits | 53.1019% | 6,120 |
| Total domestic deposits to total assets | 84.6863% | 4,165 |
| Equity capital to assets | 9.8214% | 4,344 |
| Core capital (leverage) ratio | 8.9283% | 4,950 |
| Tier 1 risk-based capital ratio | 17.4305% | 2,505 |
| Total risk-based capital ratio | 18.5176% | 2,543 |
| Memoranda: | ||
| Average total assets | $51,870,500 | 6,307 |
| Average earning assets | $49,652,000 | 6,210 |
| Average equity | $5,154,500 | 6,382 |
| Average total loans | $25,400,500 | 6,343 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7543% | 4,010 |
| Cost of funding earning assets | 1.1645% | 2,255 |
| Net interest margin | 3.5898% | 4,773 |
| Noninterest income to average assets | 0.3715% | 4,850 |
| Noninterest expense to average assets | 2.8282% | 4,245 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0704% | 1,921 |
| Return on assets (ROA) | 1.1795% | 1,685 |
| Pretax return on assets | 1.0761% | 2,925 |
| Return on Equity (ROE) | 12.5484% | 1,267 |
| Retained earnings to average equity (ytd only) | 7.5983% | 1,226 |
| Net charge-offs to loans | 0.0795% | 5,526 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 24.0476% | 1,003 |
| Efficiency ratio | 74.5207% | 3,141 |
| Assets per employee ($millions) | 4.2177% | 3,434 |
| Cash dividends to net income (ytd only)* | 39.4481% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 5,892 |
| Loan loss allowance to noncurrent loans | 290.0000% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 6,396 |
| Noncurrent loans to loans | 0.3716% | 5,978 |
| Net loans and leases to total assets | 52.5962% | 5,215 |
| Net loans and leases to deposits | 63.9888% | 5,008 |
| Net loans and leases to core deposits | 64.8477% | 5,378 |
| Total domestic deposits to total assets | 82.1959% | 5,063 |
| Equity capital to assets | 10.0589% | 4,090 |
| Core capital (leverage) ratio | 8.7379% | 5,193 |
| Tier 1 risk-based capital ratio | 15.7151% | 3,209 |
| Total risk-based capital ratio | 16.7198% | 3,301 |
| Memoranda: | ||
| Average total assets | $52,223,400 | 6,296 |
| Average earning assets | $49,807,800 | 6,200 |
| Average equity | $4,909,000 | 6,473 |
| Average total loans | $26,400,600 | 6,331 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7502% | 4,225 |
| Cost of funding earning assets | 1.2520% | 1,984 |
| Net interest margin | 3.4982% | 5,198 |
| Noninterest income to average assets | 0.3826% | 4,784 |
| Noninterest expense to average assets | 2.8604% | 4,105 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0337% | 2,203 |
| Return on assets (ROA) | 1.1781% | 1,838 |
| Pretax return on assets | 1.0007% | 3,400 |
| Return on Equity (ROE) | 12.7476% | 1,346 |
| Retained earnings to average equity (ytd only) | 12.7476% | 408 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9598% | 2,679 |
| Assets per employee ($millions) | 4.3237% | 3,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 5,628 |
| Loan loss allowance to noncurrent loans | 485.9375% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 6,577 |
| Noncurrent loans to loans | 0.2393% | 6,396 |
| Net loans and leases to total assets | 50.9521% | 5,587 |
| Net loans and leases to deposits | 62.6520% | 5,329 |
| Net loans and leases to core deposits | 63.4809% | 5,673 |
| Total domestic deposits to total assets | 81.3256% | 5,324 |
| Equity capital to assets | 10.0917% | 4,219 |
| Core capital (leverage) ratio | 8.6778% | 5,446 |
| Tier 1 risk-based capital ratio | 16.1276% | 3,051 |
| Total risk-based capital ratio | 17.2116% | 3,093 |
| Memoranda: | ||
| Average total assets | $52,626,250 | 6,330 |
| Average earning assets | $50,158,500 | 6,240 |
| Average equity | $4,863,500 | 6,541 |
| Average total loans | $26,273,250 | 6,405 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6780% | 4,631 |
| Cost of funding earning assets | 1.3366% | 1,716 |
| Net interest margin | 3.3414% | 5,736 |
| Noninterest income to average assets | 0.3329% | 5,228 |
| Noninterest expense to average assets | 2.7953% | 4,436 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9797% | 2,313 |
| Return on assets (ROA) | 0.9797% | 2,412 |
| Pretax return on assets | 0.7149% | 4,336 |
| Return on Equity (ROE) | 10.9298% | 1,818 |
| Retained earnings to average equity (ytd only) | 10.9298% | 677 |
| Net charge-offs to loans | 0.0077% | 5,755 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 196 |
| Efficiency ratio | 79.6336% | 2,446 |
| Assets per employee ($millions) | 4.5123% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 5,523 |
| Loan loss allowance to noncurrent loans | 413.3333% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 6,600 |
| Noncurrent loans to loans | 0.2913% | 6,336 |
| Net loans and leases to total assets | 46.9777% | 6,154 |
| Net loans and leases to deposits | 57.0976% | 6,039 |
| Net loans and leases to core deposits | 59.3172% | 6,158 |
| Total domestic deposits to total assets | 82.2760% | 5,072 |
| Equity capital to assets | 9.2988% | 5,134 |
| Core capital (leverage) ratio | 8.1058% | 6,160 |
| Tier 1 risk-based capital ratio | 15.5806% | 3,198 |
| Total risk-based capital ratio | 16.6731% | 3,225 |
| Memoranda: | ||
| Average total assets | $52,873,670 | 6,374 |
| Average earning assets | $50,277,670 | 6,281 |
| Average equity | $4,739,330 | 6,616 |
| Average total loans | $26,115,330 | 6,473 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6995% | 4,529 |
| Cost of funding earning assets | 1.3751% | 1,744 |
| Net interest margin | 3.3244% | 5,697 |
| Noninterest income to average assets | 0.3293% | 5,275 |
| Noninterest expense to average assets | 2.6878% | 4,886 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7887% | 3,090 |
| Return on assets (ROA) | 0.7887% | 3,159 |
| Pretax return on assets | 0.7887% | 3,944 |
| Return on Equity (ROE) | 8.9731% | 2,482 |
| Retained earnings to average equity (ytd only) | 8.9731% | 1,387 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3128% | 2,940 |
| Assets per employee ($millions) | 4.1385% | 3,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 5,381 |
| Loan loss allowance to noncurrent loans | 330.8511% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 6,575 |
| Noncurrent loans to loans | 0.3781% | 6,242 |
| Net loans and leases to total assets | 45.6283% | 6,321 |
| Net loans and leases to deposits | 55.7478% | 6,155 |
| Net loans and leases to core deposits | 57.9413% | 6,258 |
| Total domestic deposits to total assets | 81.8476% | 5,367 |
| Equity capital to assets | 8.7100% | 5,643 |
| Core capital (leverage) ratio | 8.0363% | 6,207 |
| Tier 1 risk-based capital ratio | 15.2419% | 3,293 |
| Total risk-based capital ratio | 16.3534% | 3,331 |
| Memoranda: | ||
| Average total assets | $52,237,000 | 6,449 |
| Average earning assets | $49,452,000 | 6,358 |
| Average equity | $4,591,500 | 6,685 |
| Average total loans | $26,299,500 | 6,512 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2589% | 3,318 |
| Cost of funding earning assets | 1.7987% | 1,175 |
| Net interest margin | 3.4602% | 5,396 |
| Noninterest income to average assets | 0.3545% | 5,275 |
| Noninterest expense to average assets | 2.8245% | 4,500 |
| Loan and lease loss provision to assets | 0.0479% | 6,682 |
| Net operating income to assets | 0.7583% | 2,961 |
| Return on assets (ROA) | 0.9006% | 2,516 |
| Pretax return on assets | 0.9140% | 3,226 |
| Return on Equity (ROE) | 10.6455% | 1,710 |
| Retained earnings to average equity (ytd only) | 9.7622% | 559 |
| Net charge-offs to loans | 0.5014% | 3,611 |
| Credit loss provision to net charge-offs | 17.8571% | 6,572 |
| Earnings coverage of net charge-offs (x) | 3.0500% | 3,549 |
| Efficiency ratio | 77.5381% | 2,784 |
| Assets per employee ($millions) | 3.8980% | 4,010 |
| Cash dividends to net income (ytd only)* | 8.2979% | 3,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 5,872 |
| Loan loss allowance to noncurrent loans | 349.4382% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 6,624 |
| Noncurrent loans to loans | 0.3208% | 6,409 |
| Net loans and leases to total assets | 54.1283% | 5,615 |
| Net loans and leases to deposits | 67.0111% | 5,253 |
| Net loans and leases to core deposits | 69.8561% | 5,455 |
| Total domestic deposits to total assets | 80.7752% | 5,601 |
| Equity capital to assets | 8.8744% | 5,321 |
| Core capital (leverage) ratio | 7.8647% | 6,365 |
| Tier 1 risk-based capital ratio | 14.2921% | 3,684 |
| Total risk-based capital ratio | 15.3600% | 3,762 |
| Memoranda: | ||
| Average total assets | $52,186,800 | 6,456 |
| Average earning assets | $49,592,400 | 6,382 |
| Average equity | $4,415,000 | 6,847 |
| Average total loans | $27,922,600 | 6,497 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3089% | 3,308 |
| Cost of funding earning assets | 1.8399% | 1,260 |
| Net interest margin | 3.4689% | 5,419 |
| Noninterest income to average assets | 0.3526% | 5,348 |
| Noninterest expense to average assets | 2.8130% | 4,430 |
| Loan and lease loss provision to assets | 0.0634% | 6,428 |
| Net operating income to assets | 0.7324% | 3,273 |
| Return on assets (ROA) | 0.9131% | 2,707 |
| Pretax return on assets | 0.9613% | 3,324 |
| Return on Equity (ROE) | 10.9225% | 1,810 |
| Retained earnings to average equity (ytd only) | 9.7392% | 856 |
| Net charge-offs to loans | 0.6436% | 2,821 |
| Credit loss provision to net charge-offs | 18.5185% | 6,261 |
| Earnings coverage of net charge-offs (x) | 2.4370% | 3,956 |
| Efficiency ratio | 77.1210% | 2,749 |
| Assets per employee ($millions) | 4.0102% | 3,809 |
| Cash dividends to net income (ytd only)* | 10.8336% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 5,930 |
| Loan loss allowance to noncurrent loans | 1,663.1579% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 7,028 |
| Noncurrent loans to loans | 0.0662% | 7,071 |
| Net loans and leases to total assets | 54.4396% | 5,781 |
| Net loans and leases to deposits | 68.5035% | 5,348 |
| Net loans and leases to core deposits | 71.3754% | 5,591 |
| Total domestic deposits to total assets | 79.4698% | 5,877 |
| Equity capital to assets | 8.6836% | 6,042 |
| Core capital (leverage) ratio | 7.6514% | 6,720 |
| Tier 1 risk-based capital ratio | 13.6135% | 4,111 |
| Total risk-based capital ratio | 14.6749% | 4,210 |
| Memoranda: | ||
| Average total assets | $52,565,000 | 6,517 |
| Average earning assets | $49,927,750 | 6,438 |
| Average equity | $4,394,500 | 6,944 |
| Average total loans | $27,968,250 | 6,593 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4083% | 2,940 |
| Cost of funding earning assets | 1.8493% | 1,436 |
| Net interest margin | 3.5591% | 5,008 |
| Noninterest income to average assets | 0.3339% | 5,480 |
| Noninterest expense to average assets | 2.7927% | 4,515 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8962% | 2,565 |
| Return on assets (ROA) | 0.9145% | 2,603 |
| Pretax return on assets | 0.9486% | 3,315 |
| Return on Equity (ROE) | 11.0796% | 1,727 |
| Retained earnings to average equity (ytd only) | 9.2867% | 1,019 |
| Net charge-offs to loans | 0.9738% | 1,904 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 1.8148% | 4,159 |
| Efficiency ratio | 75.0255% | 3,256 |
| Assets per employee ($millions) | 4.0566% | 3,659 |
| Cash dividends to net income (ytd only)* | 16.1826% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 6,343 |
| Loan loss allowance to noncurrent loans | 765.7895% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 6,969 |
| Noncurrent loans to loans | 0.1323% | 6,999 |
| Net loans and leases to total assets | 53.9214% | 5,994 |
| Net loans and leases to deposits | 68.0482% | 5,558 |
| Net loans and leases to core deposits | 70.8756% | 5,786 |
| Total domestic deposits to total assets | 79.2400% | 5,963 |
| Equity capital to assets | 8.5312% | 6,126 |
| Core capital (leverage) ratio | 7.3569% | 6,948 |
| Tier 1 risk-based capital ratio | 12.0411% | 5,272 |
| Total risk-based capital ratio | 12.9321% | 5,561 |
| Memoranda: | ||
| Average total assets | $52,709,000 | 6,560 |
| Average earning assets | $50,181,670 | 6,471 |
| Average equity | $4,350,330 | 6,993 |
| Average total loans | $27,725,330 | 6,654 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0050% | 5,000 |
| Cost of funding earning assets | 1.8389% | 1,703 |
| Net interest margin | 3.1661% | 6,398 |
| Noninterest income to average assets | 0.2884% | 5,836 |
| Noninterest expense to average assets | 2.6720% | 5,050 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6224% | 3,790 |
| Return on assets (ROA) | 0.6224% | 3,926 |
| Pretax return on assets | 0.6224% | 4,516 |
| Return on Equity (ROE) | 7.6707% | 3,037 |
| Retained earnings to average equity (ytd only) | 7.6707% | 1,852 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1060% | 2,401 |
| Assets per employee ($millions) | 4.4572% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5423% | 3,688 |
| Loan loss allowance to noncurrent loans | 203.8278% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.4749% | 6,289 |
| Noncurrent loans to loans | 0.7567% | 5,812 |
| Net loans and leases to total assets | 50.8451% | 6,388 |
| Net loans and leases to deposits | 64.3745% | 6,020 |
| Net loans and leases to core deposits | 67.4345% | 6,159 |
| Total domestic deposits to total assets | 78.9833% | 6,085 |
| Equity capital to assets | 8.0825% | 6,565 |
| Core capital (leverage) ratio | 7.2358% | 7,080 |
| Tier 1 risk-based capital ratio | 12.2353% | 4,959 |
| Total risk-based capital ratio | 13.4963% | 4,922 |
| Memoranda: | ||
| Average total assets | $52,695,500 | 6,642 |
| Average earning assets | $50,029,500 | 6,547 |
| Average equity | $4,276,000 | 7,084 |
| Average total loans | $27,224,500 | 6,764 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5764% | 3,720 |
| Cost of funding earning assets | 2.1768% | 2,132 |
| Net interest margin | 3.3995% | 5,371 |
| Noninterest income to average assets | 0.2479% | 6,329 |
| Noninterest expense to average assets | 2.9261% | 4,439 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5549% | 3,505 |
| Return on assets (ROA) | 0.2257% | 4,884 |
| Pretax return on assets | 0.2277% | 4,941 |
| Return on Equity (ROE) | 2.8550% | 4,570 |
| Retained earnings to average equity (ytd only) | -4.5373% | 5,957 |
| Net charge-offs to loans | 0.0193% | 6,950 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 55.6000% | 475 |
| Efficiency ratio | 83.9306% | 2,361 |
| Assets per employee ($millions) | 4.3254% | 3,232 |
| Cash dividends to net income (ytd only)* | 258.9286% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5879% | 3,333 |
| Loan loss allowance to noncurrent loans | 162.5954% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.5915% | 5,982 |
| Noncurrent loans to loans | 0.9766% | 5,368 |
| Net loans and leases to total assets | 50.8660% | 6,542 |
| Net loans and leases to deposits | 65.2352% | 6,141 |
| Net loans and leases to core deposits | 77.5959% | 6,290 |
| Total domestic deposits to total assets | 77.9732% | 6,227 |
| Equity capital to assets | 8.1476% | 6,408 |
| Core capital (leverage) ratio | 7.2897% | 6,995 |
| Tier 1 risk-based capital ratio | 12.2365% | 4,735 |
| Total risk-based capital ratio | 13.4887% | 4,699 |
| Memoranda: | ||
| Average total assets | $49,622,000 | 6,723 |
| Average earning assets | $47,271,000 | 6,628 |
| Average equity | $3,923,000 | 7,319 |
| Average total loans | $25,867,600 | 6,860 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5451% | 4,184 |
| Cost of funding earning assets | 2.2408% | 2,226 |
| Net interest margin | 3.3043% | 5,625 |
| Noninterest income to average assets | 0.2936% | 6,127 |
| Noninterest expense to average assets | 3.0172% | 3,977 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4326% | 4,268 |
| Return on assets (ROA) | 0.4784% | 4,177 |
| Pretax return on assets | 0.4811% | 4,577 |
| Return on Equity (ROE) | 6.1006% | 3,489 |
| Retained earnings to average equity (ytd only) | 2.9809% | 3,662 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4016% | 1,929 |
| Assets per employee ($millions) | 4.1639% | 3,437 |
| Cash dividends to net income (ytd only)* | 51.1378% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7175% | 2,562 |
| Loan loss allowance to noncurrent loans | 151.2281% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 5,936 |
| Noncurrent loans to loans | 1.1357% | 5,048 |
| Net loans and leases to total assets | 49.3586% | 6,839 |
| Net loans and leases to deposits | 63.6958% | 6,519 |
| Net loans and leases to core deposits | 75.0137% | 6,665 |
| Total domestic deposits to total assets | 77.4911% | 6,222 |
| Equity capital to assets | 8.2955% | 6,509 |
| Core capital (leverage) ratio | 7.8926% | 6,511 |
| Tier 1 risk-based capital ratio | 13.7248% | 3,698 |
| Total risk-based capital ratio | 14.9775% | 3,646 |
| Memoranda: | ||
| Average total assets | $49,051,250 | 6,800 |
| Average earning assets | $46,887,000 | 6,693 |
| Average equity | $3,846,500 | 7,402 |
| Average total loans | $25,627,500 | 6,934 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5466% | 4,353 |
| Cost of funding earning assets | 2.2736% | 2,476 |
| Net interest margin | 3.2731% | 5,646 |
| Noninterest income to average assets | 0.2667% | 6,364 |
| Noninterest expense to average assets | 2.9172% | 4,441 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4759% | 4,191 |
| Return on assets (ROA) | 0.4759% | 4,303 |
| Pretax return on assets | 0.4800% | 4,687 |
| Return on Equity (ROE) | 6.1916% | 3,561 |
| Retained earnings to average equity (ytd only) | 1.3878% | 4,566 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8696% | 2,241 |
| Assets per employee ($millions) | 4.2141% | 3,269 |
| Cash dividends to net income (ytd only)* | 77.5862% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6817% | 2,410 |
| Loan loss allowance to noncurrent loans | 246.2857% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3461% | 6,586 |
| Noncurrent loans to loans | 0.6828% | 5,883 |
| Net loans and leases to total assets | 49.8289% | 6,884 |
| Net loans and leases to deposits | 62.9368% | 6,660 |
| Net loans and leases to core deposits | 71.9429% | 6,902 |
| Total domestic deposits to total assets | 79.1730% | 5,758 |
| Equity capital to assets | 7.4848% | 7,281 |
| Core capital (leverage) ratio | 7.9147% | 6,466 |
| Tier 1 risk-based capital ratio | 13.2137% | 3,991 |
| Total risk-based capital ratio | 14.4649% | 3,910 |
| Memoranda: | ||
| Average total assets | $48,746,000 | 6,880 |
| Average earning assets | $46,623,000 | 6,767 |
| Average equity | $3,747,000 | 7,494 |
| Average total loans | $25,805,330 | 6,980 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8827% | 2,881 |
| Cost of funding earning assets | 2.2916% | 2,738 |
| Net interest margin | 3.5911% | 4,351 |
| Noninterest income to average assets | 0.2258% | 6,658 |
| Noninterest expense to average assets | 2.9435% | 3,998 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6941% | 3,589 |
| Return on assets (ROA) | 0.6941% | 3,774 |
| Pretax return on assets | 0.7024% | 4,430 |
| Return on Equity (ROE) | 8.9056% | 2,759 |
| Retained earnings to average equity (ytd only) | 3.5408% | 3,924 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7339% | 2,702 |
| Assets per employee ($millions) | 4.0383% | 3,582 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7101% | 2,110 |
| Loan loss allowance to noncurrent loans | 633.8235% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 7,159 |
| Noncurrent loans to loans | 0.2698% | 6,761 |
| Net loans and leases to total assets | 51.1184% | 6,762 |
| Net loans and leases to deposits | 64.3312% | 6,527 |
| Net loans and leases to core deposits | 73.2206% | 6,854 |
| Total domestic deposits to total assets | 79.4614% | 5,558 |
| Equity capital to assets | 7.5237% | 7,332 |
| Core capital (leverage) ratio | 8.2858% | 5,929 |
| Tier 1 risk-based capital ratio | 13.7925% | 3,700 |
| Total risk-based capital ratio | 15.0470% | 3,619 |
| Memoranda: | ||
| Average total assets | $47,834,500 | 6,952 |
| Average earning assets | $45,557,500 | 6,855 |
| Average equity | $3,728,000 | 7,548 |
| Average total loans | $25,893,500 | 7,007 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2494% | 4,245 |
| Cost of funding earning assets | 2.7069% | 3,132 |
| Net interest margin | 3.5425% | 5,132 |
| Noninterest income to average assets | 0.3852% | 5,598 |
| Noninterest expense to average assets | 2.9438% | 4,281 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1632% | 5,951 |
| Return on assets (ROA) | -0.1205% | 6,376 |
| Pretax return on assets | 0.3465% | 5,404 |
| Return on Equity (ROE) | -1.3145% | 6,405 |
| Retained earnings to average equity (ytd only) | -12.5581% | 7,291 |
| Net charge-offs to loans | 0.0317% | 6,380 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 45.8750% | 810 |
| Efficiency ratio | 78.8473% | 2,784 |
| Assets per employee ($millions) | 3.9341% | 3,648 |
| Cash dividends to net income (ytd only)* | -855.3571% | 8,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6213% | 2,154 |
| Loan loss allowance to noncurrent loans | 1,795.8333% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 7,377 |
| Noncurrent loans to loans | 0.0903% | 7,153 |
| Net loans and leases to total assets | 55.3983% | 6,500 |
| Net loans and leases to deposits | 77.5731% | 5,394 |
| Net loans and leases to core deposits | 86.4791% | 6,101 |
| Total domestic deposits to total assets | 71.4143% | 7,102 |
| Equity capital to assets | 8.0705% | 6,745 |
| Core capital (leverage) ratio | 8.3170% | 5,919 |
| Tier 1 risk-based capital ratio | 13.3363% | 3,905 |
| Total risk-based capital ratio | 14.5905% | 3,810 |
| Memoranda: | ||
| Average total assets | $46,470,600 | 6,920 |
| Average earning assets | $43,924,000 | 6,856 |
| Average equity | $4,260,200 | 7,411 |
| Average total loans | $25,225,400 | 7,015 |