Home > The Bank of Bourbonnais > Performance and Condition Ratios
The Bank of Bourbonnais, 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 | 5.1983% | 2,726 |
| Cost of funding earning assets | 1.6498% | 2,854 |
| Net interest margin | 3.5485% | 2,197 |
| Noninterest income to average assets | 0.1400% | 3,907 |
| Noninterest expense to average assets | 2.6562% | 1,879 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.5943% | 3,362 |
| Return on assets (ROA) | 0.5943% | 3,375 |
| Pretax return on assets | 0.8527% | 3,076 |
| Return on Equity (ROE) | 5.0600% | 3,524 |
| Retained earnings to average equity (ytd only) | 2.9911% | 3,092 |
| Net charge-offs to loans | 0.0288% | 1,425 |
| Credit loss provision to net charge-offs | 125.0000% | 1,126 |
| Earnings coverage of net charge-offs (x) | 42.5000% | 1,069 |
| Efficiency ratio | 75.1462% | 1,320 |
| Assets per employee ($millions) | 10.1380% | 764 |
| Cash dividends to net income (ytd only)* | 40.8696% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8267% | 513 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 66.5300% | 2,236 |
| Net loans and leases to deposits | 75.8888% | 2,410 |
| Net loans and leases to core deposits | 87.7941% | 2,195 |
| Total domestic deposits to total assets | 87.6700% | 1,664 |
| Equity capital to assets | 11.2535% | 1,538 |
| Core capital (leverage) ratio | 12.0988% | 1,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2744% | 842 |
| Memoranda: | ||
| Average total assets | $77,403,000 | 3,970 |
| Average earning assets | $73,947,000 | 3,930 |
| Average equity | $9,093,500 | 3,869 |
| Average total loans | $55,509,000 | 3,752 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1836% | 2,765 |
| Cost of funding earning assets | 2.1273% | 1,921 |
| Net interest margin | 3.0564% | 3,046 |
| Noninterest income to average assets | 0.0900% | 4,243 |
| Noninterest expense to average assets | 2.1918% | 3,159 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.5986% | 3,234 |
| Return on assets (ROA) | 0.5986% | 3,252 |
| Pretax return on assets | 0.8230% | 2,993 |
| Return on Equity (ROE) | 5.5600% | 3,384 |
| Retained earnings to average equity (ytd only) | 3.2376% | 2,946 |
| Net charge-offs to loans | 0.0018% | 2,962 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 671.0000% | 199 |
| Efficiency ratio | 72.7014% | 1,701 |
| Assets per employee ($millions) | 9.2128% | 984 |
| Cash dividends to net income (ytd only)* | 41.8033% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7893% | 541 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 74.6900% | 1,318 |
| Net loans and leases to deposits | 86.0078% | 1,596 |
| Net loans and leases to core deposits | 100.5461% | 1,417 |
| Total domestic deposits to total assets | 86.8500% | 1,921 |
| Equity capital to assets | 12.2927% | 1,078 |
| Core capital (leverage) ratio | 12.0864% | 1,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5304% | 816 |
| Memoranda: | ||
| Average total assets | $81,530,200 | 3,931 |
| Average earning assets | $78,034,200 | 3,891 |
| Average equity | $8,772,000 | 3,894 |
| Average total loans | $54,535,400 | 3,758 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0787% | 2,905 |
| Cost of funding earning assets | 2.2318% | 1,670 |
| Net interest margin | 2.8469% | 3,369 |
| Noninterest income to average assets | 0.0900% | 4,255 |
| Noninterest expense to average assets | 2.2103% | 3,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.4472% | 3,589 |
| Return on assets (ROA) | 0.4472% | 3,624 |
| Pretax return on assets | 0.6085% | 3,451 |
| Return on Equity (ROE) | 4.2900% | 3,673 |
| Retained earnings to average equity (ytd only) | 1.9463% | 3,479 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 78.4136% | 1,194 |
| Assets per employee ($millions) | 9.3534% | 946 |
| Cash dividends to net income (ytd only)* | 54.6429% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8396% | 512 |
| Loan loss allowance to noncurrent loans | 1,546.1538% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 3,112 |
| Noncurrent loans to loans | 0.1190% | 3,085 |
| Net loans and leases to total assets | 71.6700% | 1,649 |
| Net loans and leases to deposits | 82.5498% | 1,926 |
| Net loans and leases to core deposits | 95.6224% | 1,780 |
| Total domestic deposits to total assets | 86.8200% | 1,656 |
| Equity capital to assets | 11.8981% | 1,321 |
| Core capital (leverage) ratio | 11.6683% | 1,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4283% | 871 |
| Memoranda: | ||
| Average total assets | $83,487,250 | 3,935 |
| Average earning assets | $79,992,250 | 3,895 |
| Average equity | $8,700,000 | 3,913 |
| Average total loans | $54,155,750 | 3,771 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8710% | 3,155 |
| Cost of funding earning assets | 2.4331% | 1,201 |
| Net interest margin | 2.4379% | 3,953 |
| Noninterest income to average assets | 0.0800% | 4,310 |
| Noninterest expense to average assets | 2.0469% | 3,455 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.2848% | 3,868 |
| Return on assets (ROA) | 0.2848% | 3,907 |
| Pretax return on assets | 0.3751% | 3,845 |
| Return on Equity (ROE) | 2.8500% | 3,900 |
| Retained earnings to average equity (ytd only) | 0.4865% | 3,722 |
| Net charge-offs to loans | -0.0074% | 3,918 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 84.5124% | 830 |
| Assets per employee ($millions) | 8.8448% | 1,061 |
| Cash dividends to net income (ytd only)* | 82.9268% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7766% | 583 |
| Loan loss allowance to noncurrent loans | 1,546.1538% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 3,089 |
| Noncurrent loans to loans | 0.1149% | 3,071 |
| Net loans and leases to total assets | 69.8000% | 1,918 |
| Net loans and leases to deposits | 85.5858% | 1,698 |
| Net loans and leases to core deposits | 98.5492% | 1,571 |
| Total domestic deposits to total assets | 81.5600% | 3,172 |
| Equity capital to assets | 11.0511% | 1,542 |
| Core capital (leverage) ratio | 9.2783% | 3,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2670% | 1,037 |
| Memoranda: | ||
| Average total assets | $86,374,000 | 3,931 |
| Average earning assets | $82,858,333 | 3,883 |
| Average equity | $8,632,333 | 3,907 |
| Average total loans | $53,997,333 | 3,783 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3631% | 3,886 |
| Cost of funding earning assets | 2.3719% | 1,211 |
| Net interest margin | 1.9913% | 4,312 |
| Noninterest income to average assets | 0.0900% | 4,252 |
| Noninterest expense to average assets | 1.8226% | 3,922 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.1471% | 4,047 |
| Return on assets (ROA) | 0.1471% | 4,087 |
| Pretax return on assets | 0.1827% | 4,062 |
| Return on Equity (ROE) | 1.5400% | 4,066 |
| Retained earnings to average equity (ytd only) | -0.8421% | 3,836 |
| Net charge-offs to loans | -0.0076% | 3,851 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 90.8889% | 556 |
| Assets per employee ($millions) | 12.2191% | 401 |
| Cash dividends to net income (ytd only)* | 154.5455% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7670% | 581 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 57.1500% | 3,111 |
| Net loans and leases to deposits | 88.7135% | 1,295 |
| Net loans and leases to core deposits | 102.7513% | 1,255 |
| Total domestic deposits to total assets | 64.4300% | 4,385 |
| Equity capital to assets | 8.8376% | 2,788 |
| Core capital (leverage) ratio | 9.3024% | 3,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8362% | 1,319 |
| Memoranda: | ||
| Average total assets | $89,759,500 | 3,918 |
| Average earning assets | $86,176,500 | 3,864 |
| Average equity | $8,550,000 | 3,933 |
| Average total loans | $52,711,500 | 3,809 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8142% | 4,165 |
| Cost of funding earning assets | 1.1516% | 2,934 |
| Net interest margin | 2.6626% | 3,877 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 2.0036% | 3,622 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5048% | 3,659 |
| Return on assets (ROA) | 0.5048% | 3,654 |
| Pretax return on assets | 0.6649% | 3,510 |
| Return on Equity (ROE) | 5.6300% | 3,603 |
| Retained earnings to average equity (ytd only) | 3.1105% | 3,243 |
| Net charge-offs to loans | -0.0043% | 3,799 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.0839% | 1,341 |
| Assets per employee ($millions) | 9.0851% | 957 |
| Cash dividends to net income (ytd only)* | 44.7894% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0681% | 336 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 58.1500% | 3,025 |
| Net loans and leases to deposits | 70.4669% | 2,852 |
| Net loans and leases to core deposits | 94.5566% | 1,735 |
| Total domestic deposits to total assets | 82.5200% | 3,015 |
| Equity capital to assets | 10.3478% | 1,815 |
| Core capital (leverage) ratio | 10.5456% | 2,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6495% | 825 |
| Memoranda: | ||
| Average total assets | $89,337,600 | 3,922 |
| Average earning assets | $85,706,800 | 3,875 |
| Average equity | $8,005,200 | 3,924 |
| Average total loans | $46,383,200 | 3,893 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7669% | 4,141 |
| Cost of funding earning assets | 1.0563% | 2,873 |
| Net interest margin | 2.7107% | 3,870 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.0782% | 3,399 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4925% | 3,781 |
| Return on assets (ROA) | 0.4925% | 3,783 |
| Pretax return on assets | 0.6430% | 3,654 |
| Return on Equity (ROE) | 5.6900% | 3,691 |
| Retained earnings to average equity (ytd only) | 3.1426% | 3,479 |
| Net charge-offs to loans | -0.0029% | 3,641 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.3695% | 1,145 |
| Assets per employee ($millions) | 9.4202% | 805 |
| Cash dividends to net income (ytd only)* | 44.8071% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1059% | 336 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 55.0000% | 3,288 |
| Net loans and leases to deposits | 65.9211% | 3,131 |
| Net loans and leases to core deposits | 86.9710% | 2,124 |
| Total domestic deposits to total assets | 83.4300% | 2,920 |
| Equity capital to assets | 9.6459% | 2,020 |
| Core capital (leverage) ratio | 10.0721% | 2,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5774% | 873 |
| Memoranda: | ||
| Average total assets | $91,230,500 | 3,916 |
| Average earning assets | $87,602,250 | 3,869 |
| Average equity | $7,891,250 | 3,944 |
| Average total loans | $45,842,000 | 3,912 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7583% | 4,070 |
| Cost of funding earning assets | 0.9279% | 2,839 |
| Net interest margin | 2.8304% | 3,777 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.0261% | 3,531 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6275% | 3,511 |
| Return on assets (ROA) | 0.6275% | 3,521 |
| Pretax return on assets | 0.8224% | 3,346 |
| Return on Equity (ROE) | 7.5200% | 3,360 |
| Retained earnings to average equity (ytd only) | 4.9515% | 2,953 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.1278% | 1,648 |
| Assets per employee ($millions) | 11.6615% | 414 |
| Cash dividends to net income (ytd only)* | 34.1297% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2064% | 303 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 47.6000% | 3,710 |
| Net loans and leases to deposits | 55.9283% | 3,648 |
| Net loans and leases to core deposits | 81.5719% | 2,365 |
| Total domestic deposits to total assets | 85.1200% | 2,509 |
| Equity capital to assets | 8.5613% | 2,809 |
| Core capital (leverage) ratio | 9.2341% | 3,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1893% | 795 |
| Memoranda: | ||
| Average total assets | $93,380,000 | 3,911 |
| Average earning assets | $89,880,667 | 3,868 |
| Average equity | $7,795,667 | 3,972 |
| Average total loans | $45,246,333 | 3,934 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6532% | 4,098 |
| Cost of funding earning assets | 0.7768% | 2,818 |
| Net interest margin | 2.8764% | 3,825 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.0423% | 3,515 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6551% | 3,571 |
| Return on assets (ROA) | 0.6551% | 3,526 |
| Pretax return on assets | 0.8520% | 3,340 |
| Return on Equity (ROE) | 7.9500% | 3,304 |
| Retained earnings to average equity (ytd only) | 5.4026% | 2,921 |
| Net charge-offs to loans | -0.0177% | 4,058 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.5621% | 1,696 |
| Assets per employee ($millions) | 10.4033% | 612 |
| Cash dividends to net income (ytd only)* | 32.0261% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2150% | 313 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 47.2900% | 3,683 |
| Net loans and leases to deposits | 55.3107% | 3,610 |
| Net loans and leases to core deposits | 80.7392% | 2,199 |
| Total domestic deposits to total assets | 85.5000% | 2,725 |
| Equity capital to assets | 8.3926% | 2,973 |
| Core capital (leverage) ratio | 9.2717% | 3,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4073% | 794 |
| Memoranda: | ||
| Average total assets | $93,424,000 | 3,962 |
| Average earning assets | $90,114,000 | 3,917 |
| Average equity | $7,700,000 | 4,031 |
| Average total loans | $45,163,000 | 3,976 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7350% | 4,378 |
| Cost of funding earning assets | 0.3845% | 2,225 |
| Net interest margin | 2.3504% | 4,395 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 1.8160% | 4,006 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 0.4733% | 4,127 |
| Return on assets (ROA) | 0.4733% | 4,093 |
| Pretax return on assets | 0.6354% | 3,967 |
| Return on Equity (ROE) | 5.7900% | 3,868 |
| Retained earnings to average equity (ytd only) | 4.3213% | 3,293 |
| Net charge-offs to loans | -0.0144% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.7386% | 1,040 |
| Assets per employee ($millions) | 10.3576% | 600 |
| Cash dividends to net income (ytd only)* | 25.3968% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2245% | 296 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 47.2500% | 3,725 |
| Net loans and leases to deposits | 55.0704% | 3,624 |
| Net loans and leases to core deposits | 84.9904% | 1,817 |
| Total domestic deposits to total assets | 85.7900% | 2,783 |
| Equity capital to assets | 8.0907% | 3,001 |
| Core capital (leverage) ratio | 8.8825% | 3,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9025% | 842 |
| Memoranda: | ||
| Average total assets | $93,170,600 | 3,983 |
| Average earning assets | $89,983,000 | 3,931 |
| Average equity | $7,613,400 | 4,138 |
| Average total loans | $41,533,600 | 4,038 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4357% | 4,484 |
| Cost of funding earning assets | 0.3008% | 2,158 |
| Net interest margin | 2.1349% | 4,500 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 1.8634% | 3,836 |
| Loan and lease loss provision to assets | -0.0700% | 4,539 |
| Net operating income to assets | 0.3006% | 4,378 |
| Return on assets (ROA) | 0.3006% | 4,334 |
| Pretax return on assets | 0.3979% | 4,267 |
| Return on Equity (ROE) | 3.6700% | 4,208 |
| Retained earnings to average equity (ytd only) | 2.4810% | 3,920 |
| Net charge-offs to loans | -0.0164% | 3,912 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 85.0980% | 491 |
| Assets per employee ($millions) | 11.1021% | 481 |
| Cash dividends to net income (ytd only)* | 32.3810% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2386% | 327 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 43.7500% | 3,889 |
| Net loans and leases to deposits | 50.3264% | 3,834 |
| Net loans and leases to core deposits | 74.3743% | 2,320 |
| Total domestic deposits to total assets | 86.9300% | 2,787 |
| Equity capital to assets | 7.2989% | 3,337 |
| Core capital (leverage) ratio | 8.2775% | 4,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3821% | 938 |
| Memoranda: | ||
| Average total assets | $93,158,750 | 4,009 |
| Average earning assets | $89,994,250 | 3,959 |
| Average equity | $7,631,250 | 4,181 |
| Average total loans | $40,656,000 | 4,076 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1704% | 4,576 |
| Cost of funding earning assets | 0.2143% | 2,713 |
| Net interest margin | 1.9561% | 4,577 |
| Noninterest income to average assets | 0.1276% | 4,362 |
| Noninterest expense to average assets | 1.9141% | 3,668 |
| Loan and lease loss provision to assets | -0.1100% | 4,609 |
| Net operating income to assets | 0.1672% | 4,463 |
| Return on assets (ROA) | 0.1672% | 4,426 |
| Pretax return on assets | 0.2112% | 4,397 |
| Return on Equity (ROE) | 1.9628% | 4,356 |
| Retained earnings to average equity (ytd only) | 1.2397% | 3,939 |
| Net charge-offs to loans | -0.0204% | 3,882 |
| Credit loss provision to net charge-offs | 1,250.0000% | 344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9782% | 264 |
| Assets per employee ($millions) | 11.2621% | 460 |
| Cash dividends to net income (ytd only)* | 36.8421% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2464% | 350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 42.9316% | 3,908 |
| Net loans and leases to deposits | 49.3625% | 3,842 |
| Net loans and leases to core deposits | 53.6533% | 3,714 |
| Total domestic deposits to total assets | 86.9720% | 2,947 |
| Equity capital to assets | 7.4922% | 3,486 |
| Core capital (leverage) ratio | 9.8084% | 2,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2192% | 961 |
| Memoranda: | ||
| Average total assets | $90,905,333 | 4,072 |
| Average earning assets | $87,725,667 | 4,034 |
| Average equity | $7,744,000 | 4,229 |
| Average total loans | $39,302,667 | 4,150 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1660% | 4,546 |
| Cost of funding earning assets | 0.2234% | 2,478 |
| Net interest margin | 1.9426% | 4,553 |
| Noninterest income to average assets | 0.1167% | 4,422 |
| Noninterest expense to average assets | 2.0449% | 3,316 |
| Loan and lease loss provision to assets | -0.1167% | 4,618 |
| Net operating income to assets | 0.0560% | 4,510 |
| Return on assets (ROA) | 0.0560% | 4,487 |
| Pretax return on assets | 0.0560% | 4,484 |
| Return on Equity (ROE) | 0.6139% | 4,472 |
| Retained earnings to average equity (ytd only) | -0.1023% | 4,026 |
| Net charge-offs to loans | -0.0327% | 4,118 |
| Credit loss provision to net charge-offs | 833.3333% | 383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0588% | 201 |
| Assets per employee ($millions) | 9.2858% | 832 |
| Cash dividends to net income (ytd only)* | 116.6667% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6884% | 227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 44.3079% | 3,717 |
| Net loans and leases to deposits | 52.6234% | 3,522 |
| Net loans and leases to core deposits | 58.7389% | 3,255 |
| Total domestic deposits to total assets | 84.1981% | 3,727 |
| Equity capital to assets | 9.0676% | 2,656 |
| Core capital (leverage) ratio | 9.4586% | 2,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1703% | 628 |
| Memoranda: | ||
| Average total assets | $85,678,500 | 4,153 |
| Average earning assets | $82,365,000 | 4,105 |
| Average equity | $7,819,000 | 4,286 |
| Average total loans | $36,696,500 | 4,215 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5854% | 4,420 |
| Cost of funding earning assets | 0.3009% | 2,398 |
| Net interest margin | 2.2845% | 4,427 |
| Noninterest income to average assets | 0.1254% | 4,512 |
| Noninterest expense to average assets | 2.0264% | 3,594 |
| Loan and lease loss provision to assets | -0.0879% | 4,500 |
| Net operating income to assets | 0.2590% | 4,470 |
| Return on assets (ROA) | 0.2590% | 4,487 |
| Pretax return on assets | 0.3844% | 4,413 |
| Return on Equity (ROE) | 2.7308% | 4,408 |
| Retained earnings to average equity (ytd only) | -5.4987% | 4,717 |
| Net charge-offs to loans | -0.0201% | 3,983 |
| Credit loss provision to net charge-offs | 833.3333% | 590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2351% | 417 |
| Assets per employee ($millions) | 9.7539% | 717 |
| Cash dividends to net income (ytd only)* | 301.3575% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9597% | 152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 39.0670% | 4,143 |
| Net loans and leases to deposits | 46.3540% | 4,078 |
| Net loans and leases to core deposits | 51.8302% | 3,903 |
| Total domestic deposits to total assets | 84.2798% | 3,482 |
| Equity capital to assets | 9.1815% | 3,439 |
| Core capital (leverage) ratio | 8.2241% | 4,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9137% | 662 |
| Memoranda: | ||
| Average total assets | $85,325,200 | 4,148 |
| Average earning assets | $82,075,000 | 4,101 |
| Average equity | $8,092,800 | 4,323 |
| Average total loans | $44,665,400 | 4,095 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6890% | 4,416 |
| Cost of funding earning assets | 0.3218% | 2,389 |
| Net interest margin | 2.3671% | 4,430 |
| Noninterest income to average assets | 0.1243% | 4,568 |
| Noninterest expense to average assets | 2.1642% | 3,189 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1558% | 4,659 |
| Return on assets (ROA) | 0.1558% | 4,678 |
| Pretax return on assets | 0.2408% | 4,641 |
| Return on Equity (ROE) | 1.6294% | 4,638 |
| Retained earnings to average equity (ytd only) | -9.3319% | 4,842 |
| Net charge-offs to loans | -0.0142% | 3,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9869% | 322 |
| Assets per employee ($millions) | 9.0327% | 884 |
| Cash dividends to net income (ytd only)* | 672.7273% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5537% | 267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 47.1465% | 3,697 |
| Net loans and leases to deposits | 59.3095% | 3,293 |
| Net loans and leases to core deposits | 66.8393% | 2,878 |
| Total domestic deposits to total assets | 79.4923% | 4,298 |
| Equity capital to assets | 8.8301% | 3,977 |
| Core capital (leverage) ratio | 9.0961% | 3,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5146% | 878 |
| Memoranda: | ||
| Average total assets | $84,710,250 | 4,204 |
| Average earning assets | $81,615,500 | 4,158 |
| Average equity | $8,101,000 | 4,383 |
| Average total loans | $46,996,500 | 4,116 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7904% | 4,355 |
| Cost of funding earning assets | 0.3454% | 2,361 |
| Net interest margin | 2.4451% | 4,379 |
| Noninterest income to average assets | 0.1183% | 4,610 |
| Noninterest expense to average assets | 2.2695% | 2,852 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1352% | 4,675 |
| Return on assets (ROA) | 0.1352% | 4,698 |
| Pretax return on assets | 0.2076% | 4,663 |
| Return on Equity (ROE) | 1.3755% | 4,661 |
| Retained earnings to average equity (ytd only) | -14.7126% | 4,906 |
| Net charge-offs to loans | -0.0125% | 3,767 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6179% | 304 |
| Assets per employee ($millions) | 8.7092% | 947 |
| Cash dividends to net income (ytd only)* | 1,169.6429% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4091% | 309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 51.8624% | 3,355 |
| Net loans and leases to deposits | 65.9926% | 2,824 |
| Net loans and leases to core deposits | 74.5703% | 2,363 |
| Total domestic deposits to total assets | 78.5882% | 4,377 |
| Equity capital to assets | 9.1225% | 3,682 |
| Core capital (leverage) ratio | 9.2186% | 3,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8474% | 987 |
| Memoranda: | ||
| Average total assets | $82,838,000 | 4,254 |
| Average earning assets | $79,915,667 | 4,210 |
| Average equity | $8,142,667 | 4,401 |
| Average total loans | $48,094,667 | 4,118 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9428% | 4,198 |
| Cost of funding earning assets | 0.3787% | 2,275 |
| Net interest margin | 2.5641% | 4,213 |
| Noninterest income to average assets | 0.1140% | 4,621 |
| Noninterest expense to average assets | 2.3590% | 2,627 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1635% | 4,666 |
| Return on assets (ROA) | 0.1635% | 4,685 |
| Pretax return on assets | 0.2379% | 4,652 |
| Return on Equity (ROE) | 1.6017% | 4,651 |
| Retained earnings to average equity (ytd only) | -29.3636% | 4,949 |
| Net charge-offs to loans | -0.0163% | 3,899 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8397% | 346 |
| Assets per employee ($millions) | 8.2049% | 1,097 |
| Cash dividends to net income (ytd only)* | 1,933.3333% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3017% | 363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 57.6302% | 2,842 |
| Net loans and leases to deposits | 71.5756% | 2,354 |
| Net loans and leases to core deposits | 81.2331% | 1,891 |
| Total domestic deposits to total assets | 80.5165% | 4,137 |
| Equity capital to assets | 9.6759% | 3,033 |
| Core capital (leverage) ratio | 9.8254% | 2,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6407% | 832 |
| Memoranda: | ||
| Average total assets | $80,711,000 | 4,294 |
| Average earning assets | $78,157,000 | 4,245 |
| Average equity | $8,241,500 | 4,416 |
| Average total loans | $49,000,500 | 4,124 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1828% | 4,473 |
| Cost of funding earning assets | 0.7121% | 1,663 |
| Net interest margin | 2.4707% | 4,613 |
| Noninterest income to average assets | 0.1469% | 4,561 |
| Noninterest expense to average assets | 2.2193% | 3,625 |
| Loan and lease loss provision to assets | -0.0325% | 4,922 |
| Net operating income to assets | 0.2301% | 4,534 |
| Return on assets (ROA) | 0.2301% | 4,594 |
| Pretax return on assets | 0.3510% | 4,485 |
| Return on Equity (ROE) | 2.0813% | 4,552 |
| Retained earnings to average equity (ytd only) | 0.3175% | 4,422 |
| Net charge-offs to loans | -0.0080% | 4,215 |
| Credit loss provision to net charge-offs | 625.0000% | 1,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4488% | 467 |
| Assets per employee ($millions) | 7.9373% | 1,060 |
| Cash dividends to net income (ytd only)* | 84.7458% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2418% | 378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 61.0913% | 2,718 |
| Net loans and leases to deposits | 77.3304% | 2,142 |
| Net loans and leases to core deposits | 89.3808% | 1,575 |
| Total domestic deposits to total assets | 79.0004% | 4,200 |
| Equity capital to assets | 10.7644% | 2,463 |
| Core capital (leverage) ratio | 10.5717% | 2,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7050% | 695 |
| Memoranda: | ||
| Average total assets | $76,915,600 | 4,280 |
| Average earning assets | $74,431,400 | 4,226 |
| Average equity | $8,504,400 | 4,371 |
| Average total loans | $50,091,400 | 4,111 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2053% | 4,582 |
| Cost of funding earning assets | 0.8036% | 1,484 |
| Net interest margin | 2.4017% | 4,721 |
| Noninterest income to average assets | 0.1258% | 4,666 |
| Noninterest expense to average assets | 2.2909% | 3,446 |
| Loan and lease loss provision to assets | -0.0432% | 4,980 |
| Net operating income to assets | 0.1241% | 4,677 |
| Return on assets (ROA) | 0.1241% | 4,706 |
| Pretax return on assets | 0.2027% | 4,657 |
| Return on Equity (ROE) | 1.1144% | 4,688 |
| Retained earnings to average equity (ytd only) | -0.6435% | 4,572 |
| Net charge-offs to loans | -0.0053% | 4,061 |
| Credit loss provision to net charge-offs | 1,250.0000% | 710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5093% | 271 |
| Assets per employee ($millions) | 8.0313% | 980 |
| Cash dividends to net income (ytd only)* | 157.7465% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1790% | 364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 62.1008% | 2,996 |
| Net loans and leases to deposits | 78.5334% | 2,472 |
| Net loans and leases to core deposits | 90.7313% | 1,906 |
| Total domestic deposits to total assets | 79.0756% | 4,048 |
| Equity capital to assets | 10.5525% | 2,746 |
| Core capital (leverage) ratio | 10.4158% | 2,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8452% | 801 |
| Memoranda: | ||
| Average total assets | $76,301,250 | 4,298 |
| Average earning assets | $73,835,250 | 4,244 |
| Average equity | $8,494,500 | 4,391 |
| Average total loans | $50,213,750 | 4,129 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3801% | 4,557 |
| Cost of funding earning assets | 0.8823% | 1,453 |
| Net interest margin | 2.4979% | 4,739 |
| Noninterest income to average assets | 0.1227% | 4,690 |
| Noninterest expense to average assets | 2.3718% | 3,339 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0987% | 4,691 |
| Return on assets (ROA) | 0.0987% | 4,722 |
| Pretax return on assets | 0.1681% | 4,663 |
| Return on Equity (ROE) | 0.8705% | 4,701 |
| Retained earnings to average equity (ytd only) | -0.8470% | 4,452 |
| Net charge-offs to loans | 0.0560% | 1,697 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,593 |
| Efficiency ratio | 93.3824% | 310 |
| Assets per employee ($millions) | 8.1008% | 932 |
| Cash dividends to net income (ytd only)* | 197.2973% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3920% | 250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 56.4179% | 3,652 |
| Net loans and leases to deposits | 71.1718% | 3,335 |
| Net loans and leases to core deposits | 82.1051% | 2,769 |
| Total domestic deposits to total assets | 79.2699% | 3,983 |
| Equity capital to assets | 10.4681% | 2,772 |
| Core capital (leverage) ratio | 10.8425% | 2,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8023% | 602 |
| Memoranda: | ||
| Average total assets | $74,964,000 | 4,319 |
| Average earning assets | $72,541,667 | 4,266 |
| Average equity | $8,501,000 | 4,405 |
| Average total loans | $49,956,333 | 4,144 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6908% | 4,412 |
| Cost of funding earning assets | 0.9716% | 1,553 |
| Net interest margin | 2.7193% | 4,653 |
| Noninterest income to average assets | 0.1334% | 4,705 |
| Noninterest expense to average assets | 2.5409% | 3,156 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1390% | 4,613 |
| Return on assets (ROA) | 0.1390% | 4,616 |
| Pretax return on assets | 0.2224% | 4,545 |
| Return on Equity (ROE) | 1.1749% | 4,607 |
| Retained earnings to average equity (ytd only) | -0.4230% | 4,061 |
| Net charge-offs to loans | 0.1863% | 728 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 2,359 |
| Efficiency ratio | 91.9517% | 434 |
| Assets per employee ($millions) | 6.7046% | 1,226 |
| Cash dividends to net income (ytd only)* | 136.0000% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2206% | 363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 66.2730% | 2,788 |
| Net loans and leases to deposits | 82.2804% | 2,420 |
| Net loans and leases to core deposits | 95.6403% | 1,827 |
| Total domestic deposits to total assets | 80.5453% | 3,755 |
| Equity capital to assets | 11.5348% | 2,409 |
| Core capital (leverage) ratio | 11.9299% | 1,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2758% | 833 |
| Memoranda: | ||
| Average total assets | $71,942,000 | 4,376 |
| Average earning assets | $69,577,500 | 4,319 |
| Average equity | $8,511,500 | 4,424 |
| Average total loans | $51,523,000 | 4,125 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 4,082 |
| Cost of funding earning assets | 0.8509% | 2,426 |
| Net interest margin | 3.2306% | 4,124 |
| Noninterest income to average assets | 0.1953% | 4,490 |
| Noninterest expense to average assets | 2.6308% | 3,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4763% | 4,460 |
| Return on assets (ROA) | 0.4763% | 4,499 |
| Pretax return on assets | 0.6811% | 4,251 |
| Return on Equity (ROE) | 3.5197% | 4,572 |
| Retained earnings to average equity (ytd only) | -3.5197% | 4,931 |
| Net charge-offs to loans | 0.0463% | 2,462 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,994 |
| Efficiency ratio | 79.4343% | 990 |
| Assets per employee ($millions) | 6.3757% | 1,368 |
| Cash dividends to net income (ytd only)* | 200.0000% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1372% | 369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 74.0379% | 1,747 |
| Net loans and leases to deposits | 96.4539% | 900 |
| Net loans and leases to core deposits | 110.3027% | 831 |
| Total domestic deposits to total assets | 76.7599% | 4,518 |
| Equity capital to assets | 12.1426% | 2,050 |
| Core capital (leverage) ratio | 12.1073% | 1,710 |
| Tier 1 risk-based capital ratio | 17.8761% | 1,792 |
| Total risk-based capital ratio | 19.1398% | 1,740 |
| Memoranda: | ||
| Average total assets | $62,985,400 | 4,550 |
| Average earning assets | $60,762,600 | 4,496 |
| Average equity | $8,523,400 | 4,444 |
| Average total loans | $47,536,400 | 4,229 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1196% | 4,108 |
| Cost of funding earning assets | 0.7842% | 2,790 |
| Net interest margin | 3.3354% | 4,026 |
| Noninterest income to average assets | 0.2070% | 4,480 |
| Noninterest expense to average assets | 2.7887% | 2,590 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4597% | 4,611 |
| Return on assets (ROA) | 0.4597% | 4,641 |
| Pretax return on assets | 0.6340% | 4,483 |
| Return on Equity (ROE) | 3.3000% | 4,714 |
| Retained earnings to average equity (ytd only) | -5.4895% | 5,073 |
| Net charge-offs to loans | 0.0173% | 2,789 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 48.4988% | 1,221 |
| Efficiency ratio | 81.4768% | 795 |
| Assets per employee ($millions) | 6.1883% | 1,469 |
| Cash dividends to net income (ytd only)* | 266.3456% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2071% | 329 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 74.8542% | 1,673 |
| Net loans and leases to deposits | 98.7328% | 747 |
| Net loans and leases to core deposits | 109.2262% | 981 |
| Total domestic deposits to total assets | 75.8150% | 4,667 |
| Equity capital to assets | 12.4370% | 1,959 |
| Core capital (leverage) ratio | 13.2344% | 1,241 |
| Tier 1 risk-based capital ratio | 17.5966% | 1,922 |
| Total risk-based capital ratio | 18.8604% | 1,882 |
| Memoranda: | ||
| Average total assets | $61,198,500 | 4,637 |
| Average earning assets | $59,001,250 | 4,591 |
| Average equity | $8,525,250 | 4,493 |
| Average total loans | $46,155,750 | 4,309 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1644% | 4,009 |
| Cost of funding earning assets | 0.7287% | 3,003 |
| Net interest margin | 3.4358% | 3,783 |
| Noninterest income to average assets | 0.2071% | 4,506 |
| Noninterest expense to average assets | 2.9028% | 2,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4482% | 4,645 |
| Return on assets (ROA) | 0.4482% | 4,673 |
| Pretax return on assets | 0.6179% | 4,510 |
| Return on Equity (ROE) | 3.0895% | 4,777 |
| Retained earnings to average equity (ytd only) | -9.1984% | 5,165 |
| Net charge-offs to loans | 0.0181% | 2,512 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 45.5000% | 1,165 |
| Efficiency ratio | 82.4494% | 769 |
| Assets per employee ($millions) | 5.3025% | 2,148 |
| Cash dividends to net income (ytd only)* | 397.7273% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4884% | 224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 77.3282% | 1,341 |
| Net loans and leases to deposits | 95.6343% | 1,078 |
| Net loans and leases to core deposits | 107.4340% | 1,145 |
| Total domestic deposits to total assets | 80.8582% | 3,861 |
| Equity capital to assets | 14.4442% | 966 |
| Core capital (leverage) ratio | 14.0036% | 959 |
| Tier 1 risk-based capital ratio | 20.1185% | 1,330 |
| Total risk-based capital ratio | 21.3868% | 1,295 |
| Memoranda: | ||
| Average total assets | $58,907,670 | 4,710 |
| Average earning assets | $56,814,330 | 4,674 |
| Average equity | $8,545,000 | 4,509 |
| Average total loans | $44,173,000 | 4,384 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1127% | 4,090 |
| Cost of funding earning assets | 0.6516% | 3,315 |
| Net interest margin | 3.4611% | 3,714 |
| Noninterest income to average assets | 0.2027% | 4,541 |
| Noninterest expense to average assets | 2.9123% | 2,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4595% | 4,621 |
| Return on assets (ROA) | 0.4595% | 4,637 |
| Pretax return on assets | 0.6284% | 4,464 |
| Return on Equity (ROE) | 3.1610% | 4,756 |
| Retained earnings to average equity (ytd only) | -19.5235% | 5,251 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2519% | 849 |
| Assets per employee ($millions) | 5.3559% | 2,119 |
| Cash dividends to net income (ytd only)* | 717.6471% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7134% | 187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 70.3522% | 2,430 |
| Net loans and leases to deposits | 86.7222% | 2,034 |
| Net loans and leases to core deposits | 95.3112% | 1,996 |
| Total domestic deposits to total assets | 81.1237% | 3,945 |
| Equity capital to assets | 14.2510% | 951 |
| Core capital (leverage) ratio | 14.1755% | 903 |
| Tier 1 risk-based capital ratio | 21.8902% | 1,064 |
| Total risk-based capital ratio | 23.1626% | 1,035 |
| Memoranda: | ||
| Average total assets | $59,197,500 | 4,757 |
| Average earning assets | $57,091,500 | 4,721 |
| Average equity | $8,605,000 | 4,523 |
| Average total loans | $43,132,000 | 4,458 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9131% | 4,246 |
| Cost of funding earning assets | 0.4969% | 3,381 |
| Net interest margin | 3.4161% | 3,958 |
| Noninterest income to average assets | 0.2173% | 4,609 |
| Noninterest expense to average assets | 2.4639% | 3,717 |
| Loan and lease loss provision to assets | 0.0540% | 3,097 |
| Net operating income to assets | 0.7269% | 4,049 |
| Return on assets (ROA) | 0.7269% | 4,056 |
| Pretax return on assets | 0.9862% | 3,654 |
| Return on Equity (ROE) | 5.6008% | 4,293 |
| Retained earnings to average equity (ytd only) | 3.4067% | 3,717 |
| Net charge-offs to loans | 0.0807% | 1,984 |
| Credit loss provision to net charge-offs | 97.2973% | 2,603 |
| Earnings coverage of net charge-offs (x) | 18.7568% | 2,111 |
| Efficiency ratio | 70.3165% | 2,132 |
| Assets per employee ($millions) | 5.4073% | 2,056 |
| Cash dividends to net income (ytd only)* | 39.1753% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6477% | 192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 71.4593% | 2,358 |
| Net loans and leases to deposits | 88.6183% | 1,976 |
| Net loans and leases to core deposits | 99.1555% | 1,783 |
| Total domestic deposits to total assets | 80.6372% | 3,969 |
| Equity capital to assets | 14.8184% | 754 |
| Core capital (leverage) ratio | 14.0745% | 906 |
| Tier 1 risk-based capital ratio | 22.4337% | 978 |
| Total risk-based capital ratio | 23.7060% | 947 |
| Memoranda: | ||
| Average total assets | $66,724,000 | 4,637 |
| Average earning assets | $64,195,400 | 4,585 |
| Average equity | $8,659,400 | 4,502 |
| Average total loans | $45,847,000 | 4,408 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8570% | 4,308 |
| Cost of funding earning assets | 0.4611% | 3,450 |
| Net interest margin | 3.3959% | 4,017 |
| Noninterest income to average assets | 0.1906% | 4,833 |
| Noninterest expense to average assets | 2.4357% | 3,771 |
| Loan and lease loss provision to assets | 0.0525% | 2,932 |
| Net operating income to assets | 0.7140% | 4,180 |
| Return on assets (ROA) | 0.7140% | 4,189 |
| Pretax return on assets | 0.9688% | 3,823 |
| Return on Equity (ROE) | 5.6761% | 4,365 |
| Retained earnings to average equity (ytd only) | 3.4644% | 4,036 |
| Net charge-offs to loans | 0.0690% | 1,847 |
| Credit loss provision to net charge-offs | 112.5000% | 2,078 |
| Earnings coverage of net charge-offs (x) | 21.8744% | 1,902 |
| Efficiency ratio | 70.4558% | 2,128 |
| Assets per employee ($millions) | 5.7797% | 1,662 |
| Cash dividends to net income (ytd only)* | 38.9643% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4853% | 246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 71.5888% | 2,397 |
| Net loans and leases to deposits | 87.0865% | 2,253 |
| Net loans and leases to core deposits | 103.1993% | 1,515 |
| Total domestic deposits to total assets | 82.2043% | 3,546 |
| Equity capital to assets | 13.7565% | 1,036 |
| Core capital (leverage) ratio | 12.5713% | 1,462 |
| Tier 1 risk-based capital ratio | 20.7098% | 1,226 |
| Total risk-based capital ratio | 21.9789% | 1,198 |
| Memoranda: | ||
| Average total assets | $68,535,000 | 4,652 |
| Average earning assets | $65,921,000 | 4,608 |
| Average equity | $8,620,750 | 4,554 |
| Average total loans | $46,393,750 | 4,432 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6574% | 4,672 |
| Cost of funding earning assets | 0.4156% | 3,597 |
| Net interest margin | 3.2418% | 4,404 |
| Noninterest income to average assets | 0.1738% | 4,956 |
| Noninterest expense to average assets | 2.3679% | 3,980 |
| Loan and lease loss provision to assets | 0.0513% | 2,889 |
| Net operating income to assets | 0.6383% | 4,383 |
| Return on assets (ROA) | 0.6383% | 4,389 |
| Pretax return on assets | 0.8662% | 4,063 |
| Return on Equity (ROE) | 5.2221% | 4,489 |
| Retained earnings to average equity (ytd only) | 3.0073% | 4,049 |
| Net charge-offs to loans | 0.1037% | 1,321 |
| Credit loss provision to net charge-offs | 75.0000% | 2,304 |
| Earnings coverage of net charge-offs (x) | 13.4167% | 2,151 |
| Efficiency ratio | 72.0729% | 2,000 |
| Assets per employee ($millions) | 6.0168% | 1,452 |
| Cash dividends to net income (ytd only)* | 42.4107% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3345% | 299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 72.6932% | 2,169 |
| Net loans and leases to deposits | 87.4223% | 2,169 |
| Net loans and leases to core deposits | 102.5886% | 1,522 |
| Total domestic deposits to total assets | 83.1518% | 3,367 |
| Equity capital to assets | 13.0694% | 1,266 |
| Core capital (leverage) ratio | 12.6038% | 1,380 |
| Tier 1 risk-based capital ratio | 19.3029% | 1,474 |
| Total risk-based capital ratio | 20.5682% | 1,429 |
| Memoranda: | ||
| Average total assets | $70,187,670 | 4,680 |
| Average earning assets | $67,371,000 | 4,635 |
| Average equity | $8,579,000 | 4,596 |
| Average total loans | $46,300,330 | 4,479 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4667% | 4,926 |
| Cost of funding earning assets | 0.3942% | 3,631 |
| Net interest margin | 3.0725% | 4,758 |
| Noninterest income to average assets | 0.1718% | 4,992 |
| Noninterest expense to average assets | 2.3272% | 4,124 |
| Loan and lease loss provision to assets | 0.0499% | 2,780 |
| Net operating income to assets | 0.5319% | 4,620 |
| Return on assets (ROA) | 0.5319% | 4,624 |
| Pretax return on assets | 0.7314% | 4,349 |
| Return on Equity (ROE) | 4.4946% | 4,636 |
| Retained earnings to average equity (ytd only) | 2.2473% | 4,270 |
| Net charge-offs to loans | 0.1249% | 1,043 |
| Credit loss provision to net charge-offs | 64.2857% | 1,873 |
| Earnings coverage of net charge-offs (x) | 10.0714% | 1,924 |
| Efficiency ratio | 74.8663% | 1,767 |
| Assets per employee ($millions) | 6.5683% | 1,169 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6502% | 215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 58.5694% | 3,886 |
| Net loans and leases to deposits | 71.6436% | 3,650 |
| Net loans and leases to core deposits | 82.6504% | 3,091 |
| Total domestic deposits to total assets | 81.7511% | 4,033 |
| Equity capital to assets | 11.8614% | 1,872 |
| Core capital (leverage) ratio | 11.9996% | 1,653 |
| Tier 1 risk-based capital ratio | 21.4057% | 1,134 |
| Total risk-based capital ratio | 22.6746% | 1,111 |
| Memoranda: | ||
| Average total assets | $72,189,000 | 4,704 |
| Average earning assets | $68,999,000 | 4,661 |
| Average equity | $8,543,500 | 4,656 |
| Average total loans | $44,819,500 | 4,569 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3446% | 5,019 |
| Cost of funding earning assets | 0.3754% | 3,465 |
| Net interest margin | 2.9692% | 4,951 |
| Noninterest income to average assets | 0.1979% | 4,959 |
| Noninterest expense to average assets | 2.0901% | 4,786 |
| Loan and lease loss provision to assets | -0.1328% | 5,523 |
| Net operating income to assets | 0.6068% | 3,979 |
| Return on assets (ROA) | 0.6068% | 4,015 |
| Pretax return on assets | 1.1181% | 3,111 |
| Return on Equity (ROE) | 5.4653% | 3,981 |
| Retained earnings to average equity (ytd only) | 3.1931% | 3,390 |
| Net charge-offs to loans | 0.2144% | 1,212 |
| Credit loss provision to net charge-offs | -100.0000% | 4,708 |
| Earnings coverage of net charge-offs (x) | 7.4200% | 3,045 |
| Efficiency ratio | 67.9620% | 2,903 |
| Assets per employee ($millions) | 6.5570% | 1,175 |
| Cash dividends to net income (ytd only)* | 41.5755% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5060% | 248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 62.4080% | 3,566 |
| Net loans and leases to deposits | 73.7205% | 3,541 |
| Net loans and leases to core deposits | 84.5902% | 3,019 |
| Total domestic deposits to total assets | 84.6548% | 2,967 |
| Equity capital to assets | 11.8083% | 1,975 |
| Core capital (leverage) ratio | 11.6021% | 1,867 |
| Tier 1 risk-based capital ratio | 19.9761% | 1,327 |
| Total risk-based capital ratio | 21.2442% | 1,285 |
| Memoranda: | ||
| Average total assets | $75,307,200 | 4,680 |
| Average earning assets | $72,982,800 | 4,596 |
| Average equity | $8,361,800 | 4,723 |
| Average total loans | $46,643,400 | 4,545 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2818% | 5,135 |
| Cost of funding earning assets | 0.3687% | 3,478 |
| Net interest margin | 2.9131% | 5,071 |
| Noninterest income to average assets | 0.1945% | 5,042 |
| Noninterest expense to average assets | 2.1619% | 4,610 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5309% | 4,652 |
| Return on assets (ROA) | 0.5309% | 4,682 |
| Pretax return on assets | 0.8567% | 4,194 |
| Return on Equity (ROE) | 4.8539% | 4,587 |
| Retained earnings to average equity (ytd only) | 2.5791% | 4,341 |
| Net charge-offs to loans | 0.2851% | 757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.8900% | 3,173 |
| Efficiency ratio | 71.6193% | 2,258 |
| Assets per employee ($millions) | 6.8155% | 1,023 |
| Cash dividends to net income (ytd only)* | 46.8650% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6327% | 228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 62.0088% | 3,649 |
| Net loans and leases to deposits | 72.7250% | 3,702 |
| Net loans and leases to core deposits | 82.3846% | 3,254 |
| Total domestic deposits to total assets | 85.2648% | 2,613 |
| Equity capital to assets | 11.2245% | 2,643 |
| Core capital (leverage) ratio | 10.9415% | 2,513 |
| Tier 1 risk-based capital ratio | 18.7096% | 1,675 |
| Total risk-based capital ratio | 19.9791% | 1,617 |
| Memoranda: | ||
| Average total assets | $76,102,250 | 4,709 |
| Average earning assets | $73,779,000 | 4,631 |
| Average equity | $8,323,000 | 4,778 |
| Average total loans | $46,761,750 | 4,586 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1907% | 5,254 |
| Cost of funding earning assets | 0.3635% | 3,443 |
| Net interest margin | 2.8272% | 5,207 |
| Noninterest income to average assets | 0.1987% | 5,052 |
| Noninterest expense to average assets | 2.1574% | 4,652 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4890% | 4,735 |
| Return on assets (ROA) | 0.4890% | 4,770 |
| Pretax return on assets | 0.7871% | 4,324 |
| Return on Equity (ROE) | 4.5102% | 4,661 |
| Retained earnings to average equity (ytd only) | 2.2189% | 4,347 |
| Net charge-offs to loans | 0.1163% | 1,472 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 11.1481% | 2,294 |
| Efficiency ratio | 73.2682% | 2,136 |
| Assets per employee ($millions) | 7.1498% | 869 |
| Cash dividends to net income (ytd only)* | 50.8021% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8493% | 189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 57.6594% | 4,070 |
| Net loans and leases to deposits | 66.8771% | 4,160 |
| Net loans and leases to core deposits | 76.4322% | 3,736 |
| Total domestic deposits to total assets | 86.2171% | 2,287 |
| Equity capital to assets | 10.6055% | 3,220 |
| Core capital (leverage) ratio | 10.7249% | 2,681 |
| Tier 1 risk-based capital ratio | 18.4777% | 1,721 |
| Total risk-based capital ratio | 19.7485% | 1,677 |
| Memoranda: | ||
| Average total assets | $76,479,670 | 4,738 |
| Average earning assets | $74,278,000 | 4,651 |
| Average equity | $8,292,330 | 4,805 |
| Average total loans | $46,434,000 | 4,621 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2141% | 5,224 |
| Cost of funding earning assets | 0.3717% | 3,291 |
| Net interest margin | 2.8424% | 5,182 |
| Noninterest income to average assets | 0.2016% | 5,059 |
| Noninterest expense to average assets | 2.2495% | 4,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4403% | 4,813 |
| Return on assets (ROA) | 0.4403% | 4,836 |
| Pretax return on assets | 0.7109% | 4,416 |
| Return on Equity (ROE) | 4.0155% | 4,773 |
| Retained earnings to average equity (ytd only) | 1.6933% | 4,430 |
| Net charge-offs to loans | 0.2505% | 719 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.6207% | 2,366 |
| Efficiency ratio | 75.9857% | 1,909 |
| Assets per employee ($millions) | 7.0554% | 930 |
| Cash dividends to net income (ytd only)* | 57.8313% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8505% | 210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 58.3193% | 3,945 |
| Net loans and leases to deposits | 67.7094% | 4,014 |
| Net loans and leases to core deposits | 77.8563% | 3,481 |
| Total domestic deposits to total assets | 86.1318% | 2,612 |
| Equity capital to assets | 10.6766% | 2,986 |
| Core capital (leverage) ratio | 11.1477% | 2,235 |
| Tier 1 risk-based capital ratio | 18.6298% | 1,713 |
| Total risk-based capital ratio | 19.9012% | 1,661 |
| Memoranda: | ||
| Average total assets | $75,395,500 | 4,808 |
| Average earning assets | $73,178,500 | 4,721 |
| Average equity | $8,268,000 | 4,848 |
| Average total loans | $46,312,000 | 4,667 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1166% | 5,385 |
| Cost of funding earning assets | 0.4163% | 2,849 |
| Net interest margin | 2.7004% | 5,418 |
| Noninterest income to average assets | 0.2045% | 5,188 |
| Noninterest expense to average assets | 1.9974% | 5,196 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5126% | 4,579 |
| Return on assets (ROA) | 0.5126% | 4,663 |
| Pretax return on assets | 0.8272% | 4,105 |
| Return on Equity (ROE) | 4.8022% | 4,514 |
| Retained earnings to average equity (ytd only) | 0.4123% | 5,156 |
| Net charge-offs to loans | 0.1118% | 2,146 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 12.7800% | 2,422 |
| Efficiency ratio | 70.7149% | 2,790 |
| Assets per employee ($millions) | 6.6529% | 1,076 |
| Cash dividends to net income (ytd only)* | 91.4141% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9478% | 185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 61.0505% | 3,719 |
| Net loans and leases to deposits | 71.4734% | 3,761 |
| Net loans and leases to core deposits | 83.4089% | 3,085 |
| Total domestic deposits to total assets | 85.4172% | 2,871 |
| Equity capital to assets | 11.2733% | 2,351 |
| Core capital (leverage) ratio | 10.9392% | 2,395 |
| Tier 1 risk-based capital ratio | 18.9374% | 1,614 |
| Total risk-based capital ratio | 20.2100% | 1,577 |
| Memoranda: | ||
| Average total assets | $77,250,400 | 4,787 |
| Average earning assets | $74,952,800 | 4,706 |
| Average equity | $8,246,200 | 4,892 |
| Average total loans | $44,707,400 | 4,721 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0668% | 5,507 |
| Cost of funding earning assets | 0.4266% | 2,767 |
| Net interest margin | 2.6402% | 5,556 |
| Noninterest income to average assets | 0.1942% | 5,305 |
| Noninterest expense to average assets | 2.0238% | 5,155 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4548% | 4,855 |
| Return on assets (ROA) | 0.4548% | 4,938 |
| Pretax return on assets | 0.7325% | 4,522 |
| Return on Equity (ROE) | 4.3175% | 4,788 |
| Retained earnings to average equity (ytd only) | 0.6792% | 5,182 |
| Net charge-offs to loans | 0.1472% | 1,522 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 8.7758% | 2,734 |
| Efficiency ratio | 73.4240% | 2,377 |
| Assets per employee ($millions) | 6.5498% | 1,072 |
| Cash dividends to net income (ytd only)* | 84.2692% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0087% | 183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 60.7165% | 3,779 |
| Net loans and leases to deposits | 71.4216% | 3,848 |
| Net loans and leases to core deposits | 83.6105% | 3,162 |
| Total domestic deposits to total assets | 85.0114% | 2,802 |
| Equity capital to assets | 11.4771% | 2,532 |
| Core capital (leverage) ratio | 11.0116% | 2,439 |
| Tier 1 risk-based capital ratio | 18.6157% | 1,757 |
| Total risk-based capital ratio | 19.8887% | 1,719 |
| Memoranda: | ||
| Average total assets | $78,267,500 | 4,801 |
| Average earning assets | $75,951,500 | 4,717 |
| Average equity | $8,245,250 | 4,941 |
| Average total loans | $44,375,500 | 4,775 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9569% | 5,680 |
| Cost of funding earning assets | 0.4330% | 2,711 |
| Net interest margin | 2.5239% | 5,730 |
| Noninterest income to average assets | 0.1767% | 5,438 |
| Noninterest expense to average assets | 1.9517% | 5,367 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4207% | 4,972 |
| Return on assets (ROA) | 0.4207% | 5,059 |
| Pretax return on assets | 0.6771% | 4,690 |
| Return on Equity (ROE) | 4.1033% | 4,869 |
| Retained earnings to average equity (ytd only) | -0.0243% | 5,295 |
| Net charge-offs to loans | 0.1903% | 1,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.4762% | 2,732 |
| Efficiency ratio | 74.2424% | 2,325 |
| Assets per employee ($millions) | 6.9736% | 886 |
| Cash dividends to net income (ytd only)* | 100.5917% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9539% | 209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 58.4604% | 4,073 |
| Net loans and leases to deposits | 67.9737% | 4,185 |
| Net loans and leases to core deposits | 81.4253% | 3,328 |
| Total domestic deposits to total assets | 86.0044% | 2,420 |
| Equity capital to assets | 10.7391% | 3,355 |
| Core capital (leverage) ratio | 10.3865% | 3,093 |
| Tier 1 risk-based capital ratio | 17.7083% | 2,012 |
| Total risk-based capital ratio | 18.9793% | 1,964 |
| Memoranda: | ||
| Average total assets | $80,340,670 | 4,810 |
| Average earning assets | $78,054,670 | 4,700 |
| Average equity | $8,237,330 | 4,985 |
| Average total loans | $44,133,330 | 4,827 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9127% | 5,770 |
| Cost of funding earning assets | 0.4404% | 2,679 |
| Net interest margin | 2.4723% | 5,827 |
| Noninterest income to average assets | 0.1655% | 5,498 |
| Noninterest expense to average assets | 1.9767% | 5,389 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3700% | 5,081 |
| Return on assets (ROA) | 0.3700% | 5,159 |
| Pretax return on assets | 0.5940% | 4,834 |
| Return on Equity (ROE) | 3.6907% | 4,998 |
| Retained earnings to average equity (ytd only) | 0.9712% | 4,852 |
| Net charge-offs to loans | 0.1392% | 1,279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.1333% | 2,083 |
| Efficiency ratio | 76.8939% | 2,060 |
| Assets per employee ($millions) | 7.3502% | 756 |
| Cash dividends to net income (ytd only)* | 73.6842% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3016% | 164 |
| Loan loss allowance to noncurrent loans | 732.6316% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 4,371 |
| Noncurrent loans to loans | 0.4506% | 3,826 |
| Net loans and leases to total assets | 50.4255% | 4,766 |
| Net loans and leases to deposits | 58.1307% | 4,842 |
| Net loans and leases to core deposits | 68.2389% | 4,382 |
| Total domestic deposits to total assets | 86.7449% | 2,331 |
| Equity capital to assets | 10.2075% | 3,830 |
| Core capital (leverage) ratio | 9.7774% | 3,807 |
| Tier 1 risk-based capital ratio | 18.9488% | 1,746 |
| Total risk-based capital ratio | 20.2255% | 1,707 |
| Memoranda: | ||
| Average total assets | $82,156,000 | 4,809 |
| Average earning assets | $79,926,000 | 4,708 |
| Average equity | $8,237,000 | 5,012 |
| Average total loans | $43,095,000 | 4,895 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7557% | 5,912 |
| Cost of funding earning assets | 0.4809% | 2,348 |
| Net interest margin | 2.2748% | 5,958 |
| Noninterest income to average assets | 0.1853% | 5,487 |
| Noninterest expense to average assets | 1.8031% | 5,730 |
| Loan and lease loss provision to assets | 0.0232% | 3,922 |
| Net operating income to assets | 0.3520% | 5,209 |
| Return on assets (ROA) | 0.3520% | 5,299 |
| Pretax return on assets | 0.5721% | 4,931 |
| Return on Equity (ROE) | 3.7394% | 5,051 |
| Retained earnings to average equity (ytd only) | 1.9312% | 4,630 |
| Net charge-offs to loans | 0.0870% | 2,580 |
| Credit loss provision to net charge-offs | 52.6316% | 3,368 |
| Earnings coverage of net charge-offs (x) | 13.5263% | 2,364 |
| Efficiency ratio | 75.1811% | 2,399 |
| Assets per employee ($millions) | 7.5873% | 665 |
| Cash dividends to net income (ytd only)* | 48.3553% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1957% | 178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 5,391 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 51.0676% | 4,773 |
| Net loans and leases to deposits | 58.5196% | 4,883 |
| Net loans and leases to core deposits | 69.8693% | 4,306 |
| Total domestic deposits to total assets | 87.2658% | 2,003 |
| Equity capital to assets | 9.8502% | 4,127 |
| Core capital (leverage) ratio | 9.6144% | 4,030 |
| Tier 1 risk-based capital ratio | 18.8789% | 1,729 |
| Total risk-based capital ratio | 20.1534% | 1,689 |
| Memoranda: | ||
| Average total assets | $86,352,600 | 4,738 |
| Average earning assets | $84,008,000 | 4,629 |
| Average equity | $8,129,600 | 5,037 |
| Average total loans | $43,691,400 | 4,869 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7332% | 6,002 |
| Cost of funding earning assets | 0.4849% | 2,367 |
| Net interest margin | 2.2483% | 6,062 |
| Noninterest income to average assets | 0.1868% | 5,544 |
| Noninterest expense to average assets | 1.9232% | 5,605 |
| Loan and lease loss provision to assets | 0.0306% | 3,621 |
| Net operating income to assets | 0.2588% | 5,553 |
| Return on assets (ROA) | 0.2588% | 5,634 |
| Pretax return on assets | 0.4196% | 5,425 |
| Return on Equity (ROE) | 2.7795% | 5,464 |
| Retained earnings to average equity (ytd only) | 1.0196% | 5,310 |
| Net charge-offs to loans | 0.0979% | 2,173 |
| Credit loss provision to net charge-offs | 62.5000% | 2,880 |
| Earnings coverage of net charge-offs (x) | 9.1865% | 2,725 |
| Efficiency ratio | 81.0323% | 1,518 |
| Assets per employee ($millions) | 7.7945% | 593 |
| Cash dividends to net income (ytd only)* | 63.3116% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1262% | 213 |
| Loan loss allowance to noncurrent loans | 471.0000% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 4,123 |
| Noncurrent loans to loans | 0.6637% | 3,341 |
| Net loans and leases to total assets | 51.0678% | 4,848 |
| Net loans and leases to deposits | 58.3481% | 4,971 |
| Net loans and leases to core deposits | 69.5265% | 4,415 |
| Total domestic deposits to total assets | 87.5226% | 1,796 |
| Equity capital to assets | 9.4986% | 4,753 |
| Core capital (leverage) ratio | 9.2607% | 4,644 |
| Tier 1 risk-based capital ratio | 17.7427% | 2,105 |
| Total risk-based capital ratio | 19.0157% | 2,062 |
| Memoranda: | ||
| Average total assets | $87,075,750 | 4,785 |
| Average earning assets | $84,683,750 | 4,674 |
| Average equity | $8,106,750 | 5,105 |
| Average total loans | $43,607,250 | 4,926 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6994% | 6,079 |
| Cost of funding earning assets | 0.4788% | 2,441 |
| Net interest margin | 2.2205% | 6,138 |
| Noninterest income to average assets | 0.1760% | 5,645 |
| Noninterest expense to average assets | 1.9218% | 5,677 |
| Loan and lease loss provision to assets | 0.0411% | 3,289 |
| Net operating income to assets | 0.2308% | 5,624 |
| Return on assets (ROA) | 0.2308% | 5,697 |
| Pretax return on assets | 0.3748% | 5,524 |
| Return on Equity (ROE) | 2.4956% | 5,564 |
| Retained earnings to average equity (ytd only) | 0.8648% | 5,218 |
| Net charge-offs to loans | 0.1068% | 1,928 |
| Credit loss provision to net charge-offs | 78.2609% | 2,356 |
| Earnings coverage of net charge-offs (x) | 7.9130% | 2,611 |
| Efficiency ratio | 82.2092% | 1,463 |
| Assets per employee ($millions) | 7.9716% | 527 |
| Cash dividends to net income (ytd only)* | 65.3465% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1316% | 236 |
| Loan loss allowance to noncurrent loans | 473.0000% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.4026% | 4,294 |
| Noncurrent loans to loans | 0.6621% | 3,491 |
| Net loans and leases to total assets | 50.0559% | 4,926 |
| Net loans and leases to deposits | 57.3427% | 5,037 |
| Net loans and leases to core deposits | 68.0723% | 4,489 |
| Total domestic deposits to total assets | 87.2924% | 2,015 |
| Equity capital to assets | 9.2612% | 4,940 |
| Core capital (leverage) ratio | 9.2379% | 4,636 |
| Tier 1 risk-based capital ratio | 17.2495% | 2,309 |
| Total risk-based capital ratio | 18.5210% | 2,255 |
| Memoranda: | ||
| Average total assets | $87,521,330 | 4,825 |
| Average earning assets | $85,205,330 | 4,701 |
| Average equity | $8,094,330 | 5,141 |
| Average total loans | $43,077,000 | 4,987 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7033% | 6,132 |
| Cost of funding earning assets | 0.4795% | 2,453 |
| Net interest margin | 2.2238% | 6,194 |
| Noninterest income to average assets | 0.1601% | 5,777 |
| Noninterest expense to average assets | 1.9305% | 5,705 |
| Loan and lease loss provision to assets | 0.0457% | 3,010 |
| Net operating income to assets | 0.2150% | 5,646 |
| Return on assets (ROA) | 0.2150% | 5,736 |
| Pretax return on assets | 0.3477% | 5,545 |
| Return on Equity (ROE) | 2.3264% | 5,602 |
| Retained earnings to average equity (ytd only) | 1.0890% | 5,047 |
| Net charge-offs to loans | 0.1239% | 1,521 |
| Credit loss provision to net charge-offs | 76.9231% | 1,858 |
| Earnings coverage of net charge-offs (x) | 6.6154% | 2,264 |
| Efficiency ratio | 83.0709% | 1,483 |
| Assets per employee ($millions) | 8.0155% | 544 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4100% | 197 |
| Loan loss allowance to noncurrent loans | 473.6667% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 4,426 |
| Noncurrent loans to loans | 0.7199% | 3,463 |
| Net loans and leases to total assets | 45.6504% | 5,223 |
| Net loans and leases to deposits | 52.2063% | 5,317 |
| Net loans and leases to core deposits | 61.8726% | 4,844 |
| Total domestic deposits to total assets | 87.4424% | 2,146 |
| Equity capital to assets | 9.1857% | 5,106 |
| Core capital (leverage) ratio | 9.1934% | 4,727 |
| Tier 1 risk-based capital ratio | 18.5657% | 1,984 |
| Total risk-based capital ratio | 19.8402% | 1,929 |
| Memoranda: | ||
| Average total assets | $87,438,000 | 4,873 |
| Average earning assets | $85,080,000 | 4,745 |
| Average equity | $8,081,000 | 5,193 |
| Average total loans | $41,959,500 | 5,067 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7654% | 6,225 |
| Cost of funding earning assets | 0.4823% | 2,854 |
| Net interest margin | 2.2831% | 6,275 |
| Noninterest income to average assets | 0.2149% | 5,570 |
| Noninterest expense to average assets | 1.8253% | 6,040 |
| Loan and lease loss provision to assets | 0.0594% | 3,343 |
| Net operating income to assets | 0.3212% | 5,462 |
| Return on assets (ROA) | 0.3212% | 5,531 |
| Pretax return on assets | 0.5212% | 5,195 |
| Return on Equity (ROE) | 3.5094% | 5,290 |
| Retained earnings to average equity (ytd only) | 1.6361% | 4,998 |
| Net charge-offs to loans | 0.6671% | 573 |
| Credit loss provision to net charge-offs | 19.8473% | 3,975 |
| Earnings coverage of net charge-offs (x) | 1.9389% | 4,301 |
| Efficiency ratio | 75.8670% | 2,525 |
| Assets per employee ($millions) | 7.8824% | 553 |
| Cash dividends to net income (ytd only)* | 53.3808% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3729% | 205 |
| Loan loss allowance to noncurrent loans | 475.0000% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.4071% | 4,466 |
| Noncurrent loans to loans | 0.7101% | 3,546 |
| Net loans and leases to total assets | 47.0821% | 5,241 |
| Net loans and leases to deposits | 53.9680% | 5,333 |
| Net loans and leases to core deposits | 63.8968% | 4,833 |
| Total domestic deposits to total assets | 87.2408% | 2,153 |
| Equity capital to assets | 9.2992% | 4,953 |
| Core capital (leverage) ratio | 9.0022% | 5,001 |
| Tier 1 risk-based capital ratio | 17.9817% | 2,144 |
| Total risk-based capital ratio | 19.2532% | 2,102 |
| Memoranda: | ||
| Average total assets | $87,492,000 | 4,899 |
| Average earning assets | $83,965,800 | 4,792 |
| Average equity | $8,007,000 | 5,200 |
| Average total loans | $39,274,400 | 5,213 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7331% | 6,317 |
| Cost of funding earning assets | 0.4754% | 3,000 |
| Net interest margin | 2.2577% | 6,356 |
| Noninterest income to average assets | 0.2114% | 5,663 |
| Noninterest expense to average assets | 1.8368% | 6,043 |
| Loan and lease loss provision to assets | 0.0563% | 3,248 |
| Net operating income to assets | 0.2950% | 5,599 |
| Return on assets (ROA) | 0.2950% | 5,671 |
| Pretax return on assets | 0.4774% | 5,388 |
| Return on Equity (ROE) | 3.2361% | 5,458 |
| Retained earnings to average equity (ytd only) | 1.1676% | 5,421 |
| Net charge-offs to loans | 0.4498% | 873 |
| Credit loss provision to net charge-offs | 28.4615% | 3,477 |
| Earnings coverage of net charge-offs (x) | 2.7000% | 3,844 |
| Efficiency ratio | 77.4856% | 2,267 |
| Assets per employee ($millions) | 8.2635% | 460 |
| Cash dividends to net income (ytd only)* | 63.9179% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7780% | 189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 5,913 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 43.2056% | 5,582 |
| Net loans and leases to deposits | 51.3205% | 5,568 |
| Net loans and leases to core deposits | 60.6336% | 5,148 |
| Total domestic deposits to total assets | 84.1878% | 3,692 |
| Equity capital to assets | 8.8264% | 5,524 |
| Core capital (leverage) ratio | 8.8606% | 5,249 |
| Tier 1 risk-based capital ratio | 15.5907% | 3,267 |
| Total risk-based capital ratio | 16.8628% | 3,195 |
| Memoranda: | ||
| Average total assets | $87,688,500 | 4,946 |
| Average earning assets | $83,859,500 | 4,839 |
| Average equity | $7,993,000 | 5,246 |
| Average total loans | $38,531,000 | 5,282 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7342% | 6,377 |
| Cost of funding earning assets | 0.4629% | 3,188 |
| Net interest margin | 2.2713% | 6,426 |
| Noninterest income to average assets | 0.1986% | 5,770 |
| Noninterest expense to average assets | 1.8564% | 6,071 |
| Loan and lease loss provision to assets | 0.0554% | 3,187 |
| Net operating income to assets | 0.2932% | 5,587 |
| Return on assets (ROA) | 0.2932% | 5,656 |
| Pretax return on assets | 0.4733% | 5,352 |
| Return on Equity (ROE) | 3.1818% | 5,465 |
| Retained earnings to average equity (ytd only) | 0.7015% | 5,455 |
| Net charge-offs to loans | 0.0741% | 2,958 |
| Credit loss provision to net charge-offs | 171.4286% | 1,327 |
| Earnings coverage of net charge-offs (x) | 16.3571% | 1,797 |
| Efficiency ratio | 77.8316% | 2,316 |
| Assets per employee ($millions) | 7.9880% | 498 |
| Cash dividends to net income (ytd only)* | 77.9528% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3705% | 134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 5,995 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 40.9637% | 5,745 |
| Net loans and leases to deposits | 48.4083% | 5,754 |
| Net loans and leases to core deposits | 56.0419% | 5,410 |
| Total domestic deposits to total assets | 84.6213% | 3,675 |
| Equity capital to assets | 9.1046% | 5,200 |
| Core capital (leverage) ratio | 9.0286% | 4,976 |
| Tier 1 risk-based capital ratio | 16.5104% | 2,825 |
| Total risk-based capital ratio | 17.7880% | 2,775 |
| Memoranda: | ||
| Average total assets | $86,618,670 | 5,008 |
| Average earning assets | $83,389,330 | 4,890 |
| Average equity | $7,983,000 | 5,275 |
| Average total loans | $37,769,670 | 5,347 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7551% | 6,425 |
| Cost of funding earning assets | 0.4511% | 3,416 |
| Net interest margin | 2.3040% | 6,470 |
| Noninterest income to average assets | 0.1768% | 5,910 |
| Noninterest expense to average assets | 1.8420% | 6,157 |
| Loan and lease loss provision to assets | 0.0698% | 2,737 |
| Net operating income to assets | 0.2930% | 5,518 |
| Return on assets (ROA) | 0.2930% | 5,562 |
| Pretax return on assets | 0.4745% | 5,245 |
| Return on Equity (ROE) | 3.1601% | 5,407 |
| Retained earnings to average equity (ytd only) | 0.6521% | 5,331 |
| Net charge-offs to loans | 0.0317% | 2,957 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 893 |
| Efficiency ratio | 77.1930% | 2,614 |
| Assets per employee ($millions) | 7.8924% | 511 |
| Cash dividends to net income (ytd only)* | 79.3651% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4589% | 133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 6,091 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 40.6492% | 5,765 |
| Net loans and leases to deposits | 48.1006% | 5,725 |
| Net loans and leases to core deposits | 55.8926% | 5,361 |
| Total domestic deposits to total assets | 84.5086% | 4,083 |
| Equity capital to assets | 9.1861% | 4,884 |
| Core capital (leverage) ratio | 9.1478% | 4,798 |
| Tier 1 risk-based capital ratio | 17.1231% | 2,631 |
| Total risk-based capital ratio | 18.4030% | 2,574 |
| Memoranda: | ||
| Average total assets | $85,994,000 | 5,067 |
| Average earning assets | $82,464,500 | 4,958 |
| Average equity | $7,974,500 | 5,301 |
| Average total loans | $37,835,000 | 5,395 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0268% | 6,319 |
| Cost of funding earning assets | 0.4614% | 4,010 |
| Net interest margin | 2.5655% | 6,305 |
| Noninterest income to average assets | 0.1727% | 6,052 |
| Noninterest expense to average assets | 1.7349% | 6,406 |
| Loan and lease loss provision to assets | 0.0583% | 3,972 |
| Net operating income to assets | 0.5227% | 4,633 |
| Return on assets (ROA) | 0.5227% | 4,759 |
| Pretax return on assets | 0.8575% | 3,926 |
| Return on Equity (ROE) | 5.7016% | 4,270 |
| Retained earnings to average equity (ytd only) | 3.1817% | 3,972 |
| Net charge-offs to loans | 0.1198% | 3,614 |
| Credit loss provision to net charge-offs | 106.3830% | 2,265 |
| Earnings coverage of net charge-offs (x) | 16.7021% | 1,780 |
| Efficiency ratio | 65.4489% | 4,664 |
| Assets per employee ($millions) | 7.7429% | 531 |
| Cash dividends to net income (ytd only)* | 44.1964% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2212% | 174 |
| Loan loss allowance to noncurrent loans | 54,500.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 6,158 |
| Noncurrent loans to loans | 0.0077% | 6,273 |
| Net loans and leases to total assets | 43.5566% | 5,712 |
| Net loans and leases to deposits | 51.6851% | 5,649 |
| Net loans and leases to core deposits | 61.5418% | 5,102 |
| Total domestic deposits to total assets | 84.2730% | 4,062 |
| Equity capital to assets | 9.3622% | 4,598 |
| Core capital (leverage) ratio | 9.3164% | 4,523 |
| Tier 1 risk-based capital ratio | 16.8712% | 2,670 |
| Total risk-based capital ratio | 18.1493% | 2,618 |
| Memoranda: | ||
| Average total assets | $85,711,600 | 5,092 |
| Average earning assets | $82,792,400 | 4,957 |
| Average equity | $7,857,400 | 5,378 |
| Average total loans | $39,231,200 | 5,381 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0575% | 6,360 |
| Cost of funding earning assets | 0.4664% | 4,100 |
| Net interest margin | 2.5911% | 6,326 |
| Noninterest income to average assets | 0.1662% | 6,190 |
| Noninterest expense to average assets | 1.7752% | 6,380 |
| Loan and lease loss provision to assets | 0.0699% | 3,666 |
| Net operating income to assets | 0.5017% | 4,781 |
| Return on assets (ROA) | 0.5017% | 4,949 |
| Pretax return on assets | 0.8232% | 4,208 |
| Return on Equity (ROE) | 5.5014% | 4,472 |
| Retained earnings to average equity (ytd only) | 2.9635% | 4,553 |
| Net charge-offs to loans | 0.1355% | 3,182 |
| Credit loss provision to net charge-offs | 112.5000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 14.3756% | 1,948 |
| Efficiency ratio | 66.5308% | 4,391 |
| Assets per employee ($millions) | 7.8060% | 502 |
| Cash dividends to net income (ytd only)* | 46.1292% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2396% | 201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 6,264 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 43.0357% | 5,810 |
| Net loans and leases to deposits | 51.4845% | 5,751 |
| Net loans and leases to core deposits | 61.3033% | 5,181 |
| Total domestic deposits to total assets | 83.5895% | 4,352 |
| Equity capital to assets | 9.1748% | 4,968 |
| Core capital (leverage) ratio | 9.1813% | 4,861 |
| Tier 1 risk-based capital ratio | 16.1634% | 3,100 |
| Total risk-based capital ratio | 17.4387% | 3,047 |
| Memoranda: | ||
| Average total assets | $85,846,500 | 5,129 |
| Average earning assets | $82,898,750 | 4,999 |
| Average equity | $7,828,250 | 5,440 |
| Average total loans | $39,355,750 | 5,427 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1248% | 6,316 |
| Cost of funding earning assets | 0.4729% | 4,171 |
| Net interest margin | 2.6518% | 6,265 |
| Noninterest income to average assets | 0.1514% | 6,289 |
| Noninterest expense to average assets | 1.7894% | 6,392 |
| Loan and lease loss provision to assets | 0.0699% | 3,638 |
| Net operating income to assets | 0.5196% | 4,719 |
| Return on assets (ROA) | 0.5196% | 4,887 |
| Pretax return on assets | 0.8527% | 4,109 |
| Return on Equity (ROE) | 5.7094% | 4,344 |
| Retained earnings to average equity (ytd only) | 3.1747% | 4,294 |
| Net charge-offs to loans | 0.1666% | 2,781 |
| Credit loss provision to net charge-offs | 90.9091% | 2,418 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,011 |
| Efficiency ratio | 65.9794% | 4,549 |
| Assets per employee ($millions) | 7.8321% | 490 |
| Cash dividends to net income (ytd only)* | 44.3946% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2366% | 213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 6,314 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 42.7402% | 5,847 |
| Net loans and leases to deposits | 50.5332% | 5,799 |
| Net loans and leases to core deposits | 60.9121% | 5,180 |
| Total domestic deposits to total assets | 84.5786% | 4,096 |
| Equity capital to assets | 9.1187% | 5,079 |
| Core capital (leverage) ratio | 9.0294% | 4,939 |
| Tier 1 risk-based capital ratio | 16.2510% | 3,071 |
| Total risk-based capital ratio | 17.5291% | 3,001 |
| Memoranda: | ||
| Average total assets | $85,840,000 | 5,162 |
| Average earning assets | $82,886,330 | 5,025 |
| Average equity | $7,811,670 | 5,479 |
| Average total loans | $39,611,330 | 5,435 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0960% | 6,402 |
| Cost of funding earning assets | 0.5015% | 4,074 |
| Net interest margin | 2.5944% | 6,380 |
| Noninterest income to average assets | 0.1260% | 6,468 |
| Noninterest expense to average assets | 1.7693% | 6,472 |
| Loan and lease loss provision to assets | 0.0700% | 3,464 |
| Net operating income to assets | 0.4855% | 4,749 |
| Return on assets (ROA) | 0.4855% | 4,902 |
| Pretax return on assets | 0.7983% | 4,176 |
| Return on Equity (ROE) | 5.3405% | 4,374 |
| Retained earnings to average equity (ytd only) | 2.7730% | 4,621 |
| Net charge-offs to loans | 0.2986% | 1,770 |
| Credit loss provision to net charge-offs | 50.0000% | 2,595 |
| Earnings coverage of net charge-offs (x) | 6.2000% | 2,255 |
| Efficiency ratio | 67.0796% | 4,478 |
| Assets per employee ($millions) | 7.1274% | 727 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9138% | 309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 6,417 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 46.4147% | 5,396 |
| Net loans and leases to deposits | 54.6067% | 5,386 |
| Net loans and leases to core deposits | 65.5786% | 4,580 |
| Total domestic deposits to total assets | 84.9981% | 4,039 |
| Equity capital to assets | 9.1408% | 5,320 |
| Core capital (leverage) ratio | 8.8937% | 5,067 |
| Tier 1 risk-based capital ratio | 15.3861% | 3,600 |
| Total risk-based capital ratio | 16.6627% | 3,541 |
| Memoranda: | ||
| Average total assets | $85,683,500 | 5,211 |
| Average earning assets | $82,946,500 | 5,068 |
| Average equity | $7,789,500 | 5,546 |
| Average total loans | $40,191,500 | 5,454 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4953% | 6,361 |
| Cost of funding earning assets | 0.6484% | 3,925 |
| Net interest margin | 2.8470% | 6,318 |
| Noninterest income to average assets | 0.2279% | 5,812 |
| Noninterest expense to average assets | 1.8307% | 6,583 |
| Loan and lease loss provision to assets | 0.0743% | 4,794 |
| Net operating income to assets | 0.6069% | 4,206 |
| Return on assets (ROA) | 0.6069% | 4,473 |
| Pretax return on assets | 0.9934% | 3,568 |
| Return on Equity (ROE) | 6.4945% | 3,918 |
| Retained earnings to average equity (ytd only) | 4.5197% | 3,045 |
| Net charge-offs to loans | 0.0206% | 5,616 |
| Credit loss provision to net charge-offs | 750.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 107.7500% | 358 |
| Efficiency ratio | 63.1624% | 5,046 |
| Assets per employee ($millions) | 7.1532% | 723 |
| Cash dividends to net income (ytd only)* | 30.4082% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1773% | 256 |
| Loan loss allowance to noncurrent loans | 1,102.7027% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 5,969 |
| Noncurrent loans to loans | 0.3788% | 5,551 |
| Net loans and leases to total assets | 43.6124% | 5,849 |
| Net loans and leases to deposits | 51.1267% | 5,876 |
| Net loans and leases to core deposits | 61.2761% | 5,240 |
| Total domestic deposits to total assets | 85.3025% | 3,710 |
| Equity capital to assets | 9.0415% | 5,476 |
| Core capital (leverage) ratio | 9.0668% | 4,791 |
| Tier 1 risk-based capital ratio | 16.0725% | 3,123 |
| Total risk-based capital ratio | 17.3528% | 3,057 |
| Memoranda: | ||
| Average total assets | $80,734,400 | 5,335 |
| Average earning assets | $75,729,400 | 5,254 |
| Average equity | $7,544,800 | 5,622 |
| Average total loans | $38,852,600 | 5,558 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5632% | 6,435 |
| Cost of funding earning assets | 0.6787% | 3,945 |
| Net interest margin | 2.8845% | 6,387 |
| Noninterest income to average assets | 0.2383% | 5,847 |
| Noninterest expense to average assets | 1.7938% | 6,686 |
| Loan and lease loss provision to assets | 0.0755% | 4,707 |
| Net operating income to assets | 0.6410% | 4,190 |
| Return on assets (ROA) | 0.6410% | 4,441 |
| Pretax return on assets | 1.0504% | 3,534 |
| Return on Equity (ROE) | 6.7993% | 3,911 |
| Retained earnings to average equity (ytd only) | 4.1472% | 3,983 |
| Net charge-offs to loans | 0.0069% | 5,643 |
| Credit loss provision to net charge-offs | 2,250.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 335.0712% | 133 |
| Efficiency ratio | 61.4368% | 5,238 |
| Assets per employee ($millions) | 6.9187% | 773 |
| Cash dividends to net income (ytd only)* | 39.0049% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0498% | 296 |
| Loan loss allowance to noncurrent loans | 1,096.6216% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 6,090 |
| Noncurrent loans to loans | 0.3693% | 5,740 |
| Net loans and leases to total assets | 46.3155% | 5,734 |
| Net loans and leases to deposits | 54.8568% | 5,731 |
| Net loans and leases to core deposits | 65.6789% | 4,988 |
| Total domestic deposits to total assets | 84.4298% | 4,016 |
| Equity capital to assets | 9.2130% | 5,581 |
| Core capital (leverage) ratio | 9.3118% | 4,564 |
| Tier 1 risk-based capital ratio | 15.6897% | 3,434 |
| Total risk-based capital ratio | 16.9677% | 3,382 |
| Memoranda: | ||
| Average total assets | $79,458,500 | 5,420 |
| Average earning assets | $73,865,250 | 5,377 |
| Average equity | $7,490,750 | 5,695 |
| Average total loans | $38,798,750 | 5,622 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5815% | 6,510 |
| Cost of funding earning assets | 0.7229% | 3,825 |
| Net interest margin | 2.8585% | 6,481 |
| Noninterest income to average assets | 0.2479% | 5,805 |
| Noninterest expense to average assets | 1.7938% | 6,757 |
| Loan and lease loss provision to assets | 0.0767% | 4,658 |
| Net operating income to assets | 0.6209% | 4,276 |
| Return on assets (ROA) | 0.6209% | 4,526 |
| Pretax return on assets | 1.0144% | 3,654 |
| Return on Equity (ROE) | 6.5340% | 4,036 |
| Retained earnings to average equity (ytd only) | 3.8720% | 4,040 |
| Net charge-offs to loans | 0.0052% | 5,429 |
| Credit loss provision to net charge-offs | 3,000.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 427.0000% | 96 |
| Efficiency ratio | 62.1789% | 5,218 |
| Assets per employee ($millions) | 6.4863% | 964 |
| Cash dividends to net income (ytd only)* | 40.7407% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1898% | 301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 6,647 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 47.2718% | 5,683 |
| Net loans and leases to deposits | 55.3793% | 5,720 |
| Net loans and leases to core deposits | 66.7271% | 4,922 |
| Total domestic deposits to total assets | 85.3601% | 3,685 |
| Equity capital to assets | 9.6602% | 4,808 |
| Core capital (leverage) ratio | 9.3545% | 4,364 |
| Tier 1 risk-based capital ratio | 16.4171% | 2,957 |
| Total risk-based capital ratio | 17.6932% | 2,911 |
| Memoranda: | ||
| Average total assets | $78,270,000 | 5,490 |
| Average earning assets | $72,205,000 | 5,451 |
| Average equity | $7,438,000 | 5,727 |
| Average total loans | $38,373,000 | 5,674 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 6,494 |
| Cost of funding earning assets | 0.7959% | 3,507 |
| Net interest margin | 2.8676% | 6,530 |
| Noninterest income to average assets | 0.2293% | 5,983 |
| Noninterest expense to average assets | 1.7531% | 6,852 |
| Loan and lease loss provision to assets | 0.0764% | 4,439 |
| Net operating income to assets | 0.6065% | 4,316 |
| Return on assets (ROA) | 0.6065% | 4,528 |
| Pretax return on assets | 0.9887% | 3,713 |
| Return on Equity (ROE) | 6.4346% | 4,075 |
| Retained earnings to average equity (ytd only) | 3.7310% | 4,348 |
| Net charge-offs to loans | 0.0104% | 4,576 |
| Credit loss provision to net charge-offs | 1,500.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 209.0000% | 172 |
| Efficiency ratio | 62.2061% | 5,237 |
| Assets per employee ($millions) | 6.6513% | 901 |
| Cash dividends to net income (ytd only)* | 42.0168% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1673% | 326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 6,721 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 45.9256% | 5,788 |
| Net loans and leases to deposits | 53.7399% | 5,833 |
| Net loans and leases to core deposits | 66.7431% | 4,827 |
| Total domestic deposits to total assets | 85.4591% | 3,815 |
| Equity capital to assets | 9.3302% | 5,052 |
| Core capital (leverage) ratio | 9.3666% | 4,248 |
| Tier 1 risk-based capital ratio | 16.4832% | 2,915 |
| Total risk-based capital ratio | 17.7619% | 2,871 |
| Memoranda: | ||
| Average total assets | $78,487,500 | 5,529 |
| Average earning assets | $70,859,500 | 5,535 |
| Average equity | $7,397,500 | 5,765 |
| Average total loans | $38,358,000 | 5,717 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8982% | 6,617 |
| Cost of funding earning assets | 0.9389% | 3,793 |
| Net interest margin | 2.9593% | 6,591 |
| Noninterest income to average assets | 0.2198% | 5,953 |
| Noninterest expense to average assets | 1.8823% | 6,854 |
| Loan and lease loss provision to assets | 0.2672% | 3,542 |
| Net operating income to assets | 0.5120% | 4,368 |
| Return on assets (ROA) | 0.5120% | 4,580 |
| Pretax return on assets | 0.8293% | 3,872 |
| Return on Equity (ROE) | 5.8267% | 3,954 |
| Retained earnings to average equity (ytd only) | 2.8609% | 4,212 |
| Net charge-offs to loans | -0.7530% | 7,298 |
| Credit loss provision to net charge-offs | -69.0476% | 6,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1905% | 5,259 |
| Assets per employee ($millions) | 6.4299% | 993 |
| Cash dividends to net income (ytd only)* | 50.8997% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1049% | 355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 6,787 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 47.8065% | 5,843 |
| Net loans and leases to deposits | 55.2118% | 5,960 |
| Net loans and leases to core deposits | 68.7946% | 4,934 |
| Total domestic deposits to total assets | 86.5874% | 2,984 |
| Equity capital to assets | 9.5232% | 4,848 |
| Core capital (leverage) ratio | 9.3958% | 4,188 |
| Tier 1 risk-based capital ratio | 16.5104% | 2,816 |
| Total risk-based capital ratio | 17.7832% | 2,772 |
| Memoranda: | ||
| Average total assets | $75,971,400 | 5,567 |
| Average earning assets | $70,828,000 | 5,509 |
| Average equity | $6,676,200 | 5,963 |
| Average total loans | $39,043,600 | 5,741 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8885% | 6,744 |
| Cost of funding earning assets | 0.9797% | 3,820 |
| Net interest margin | 2.9087% | 6,736 |
| Noninterest income to average assets | 0.2220% | 6,033 |
| Noninterest expense to average assets | 1.8905% | 6,860 |
| Loan and lease loss provision to assets | 0.3577% | 2,719 |
| Net operating income to assets | 0.4158% | 4,924 |
| Return on assets (ROA) | 0.4158% | 5,116 |
| Pretax return on assets | 0.6678% | 4,584 |
| Return on Equity (ROE) | 4.8348% | 4,598 |
| Retained earnings to average equity (ytd only) | 1.7824% | 5,248 |
| Net charge-offs to loans | 0.0034% | 6,147 |
| Credit loss provision to net charge-offs | 20,300.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 583.4436% | 61 |
| Efficiency ratio | 64.8338% | 4,927 |
| Assets per employee ($millions) | 6.4573% | 965 |
| Cash dividends to net income (ytd only)* | 63.1348% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4852% | 570 |
| Loan loss allowance to noncurrent loans | 484.5283% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 5,942 |
| Noncurrent loans to loans | 0.7193% | 5,440 |
| Net loans and leases to total assets | 45.8871% | 6,159 |
| Net loans and leases to deposits | 54.0495% | 6,210 |
| Net loans and leases to core deposits | 70.6211% | 4,873 |
| Total domestic deposits to total assets | 84.8983% | 3,815 |
| Equity capital to assets | 9.3718% | 5,272 |
| Core capital (leverage) ratio | 9.2408% | 4,556 |
| Tier 1 risk-based capital ratio | 18.1504% | 2,199 |
| Total risk-based capital ratio | 19.4239% | 2,157 |
| Memoranda: | ||
| Average total assets | $75,674,500 | 5,622 |
| Average earning assets | $70,086,250 | 5,580 |
| Average equity | $6,508,250 | 6,055 |
| Average total loans | $39,188,000 | 5,781 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0484% | 6,579 |
| Cost of funding earning assets | 1.0179% | 3,832 |
| Net interest margin | 3.0305% | 6,552 |
| Noninterest income to average assets | 0.2265% | 6,044 |
| Noninterest expense to average assets | 1.9235% | 6,917 |
| Loan and lease loss provision to assets | 0.4369% | 2,246 |
| Net operating income to assets | 0.4023% | 4,930 |
| Return on assets (ROA) | 0.4023% | 5,091 |
| Pretax return on assets | 0.6421% | 4,603 |
| Return on Equity (ROE) | 4.8266% | 4,530 |
| Retained earnings to average equity (ytd only) | 1.6621% | 5,161 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0639% | 5,225 |
| Assets per employee ($millions) | 6.3506% | 996 |
| Cash dividends to net income (ytd only)* | 65.5629% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2236% | 742 |
| Loan loss allowance to noncurrent loans | 470.5660% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 5,984 |
| Noncurrent loans to loans | 0.6851% | 5,536 |
| Net loans and leases to total assets | 49.1241% | 5,932 |
| Net loans and leases to deposits | 57.4304% | 6,006 |
| Net loans and leases to core deposits | 75.2513% | 4,403 |
| Total domestic deposits to total assets | 85.5368% | 3,602 |
| Equity capital to assets | 8.3168% | 6,405 |
| Core capital (leverage) ratio | 8.1066% | 6,157 |
| Tier 1 risk-based capital ratio | 14.8226% | 3,597 |
| Total risk-based capital ratio | 16.0950% | 3,550 |
| Memoranda: | ||
| Average total assets | $75,070,000 | 5,690 |
| Average earning assets | $68,767,330 | 5,670 |
| Average equity | $6,257,000 | 6,156 |
| Average total loans | $39,970,330 | 5,798 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0660% | 6,571 |
| Cost of funding earning assets | 1.0065% | 4,159 |
| Net interest margin | 3.0595% | 6,442 |
| Noninterest income to average assets | 0.2148% | 6,197 |
| Noninterest expense to average assets | 1.9436% | 6,919 |
| Loan and lease loss provision to assets | 0.4832% | 1,824 |
| Net operating income to assets | 0.4134% | 4,885 |
| Return on assets (ROA) | 0.4134% | 4,978 |
| Pretax return on assets | 0.6604% | 4,453 |
| Return on Equity (ROE) | 4.9546% | 4,432 |
| Retained earnings to average equity (ytd only) | 1.7373% | 5,074 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9565% | 5,528 |
| Assets per employee ($millions) | 6.1867% | 1,078 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9755% | 937 |
| Loan loss allowance to noncurrent loans | 442.6415% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.4795% | 6,029 |
| Noncurrent loans to loans | 0.6722% | 5,686 |
| Net loans and leases to total assets | 51.5207% | 5,644 |
| Net loans and leases to deposits | 60.4336% | 5,681 |
| Net loans and leases to core deposits | 73.3484% | 4,611 |
| Total domestic deposits to total assets | 85.2519% | 3,921 |
| Equity capital to assets | 8.3971% | 6,053 |
| Core capital (leverage) ratio | 8.3340% | 5,741 |
| Tier 1 risk-based capital ratio | 14.2763% | 3,888 |
| Total risk-based capital ratio | 15.5453% | 3,833 |
| Memoranda: | ||
| Average total assets | $74,501,500 | 5,744 |
| Average earning assets | $69,946,000 | 5,674 |
| Average equity | $6,216,500 | 6,175 |
| Average total loans | $40,614,000 | 5,821 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6753% | 5,880 |
| Cost of funding earning assets | 1.3076% | 3,832 |
| Net interest margin | 3.3676% | 5,739 |
| Noninterest income to average assets | 0.2622% | 5,917 |
| Noninterest expense to average assets | 1.9650% | 7,076 |
| Loan and lease loss provision to assets | 1.1478% | 1,385 |
| Net operating income to assets | 0.2188% | 5,220 |
| Return on assets (ROA) | 0.2720% | 5,191 |
| Pretax return on assets | 0.3989% | 4,947 |
| Return on Equity (ROE) | 3.0866% | 4,925 |
| Retained earnings to average equity (ytd only) | 0.1583% | 5,498 |
| Net charge-offs to loans | 1.5665% | 1,395 |
| Credit loss provision to net charge-offs | 118.9306% | 3,571 |
| Earnings coverage of net charge-offs (x) | 1.5217% | 4,606 |
| Efficiency ratio | 57.2299% | 6,427 |
| Assets per employee ($millions) | 6.2303% | 1,072 |
| Cash dividends to net income (ytd only)* | 94.8718% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5905% | 1,300 |
| Loan loss allowance to noncurrent loans | 408.6792% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 6,089 |
| Noncurrent loans to loans | 0.6339% | 5,780 |
| Net loans and leases to total assets | 54.4695% | 5,573 |
| Net loans and leases to deposits | 63.7392% | 5,655 |
| Net loans and leases to core deposits | 83.4454% | 3,675 |
| Total domestic deposits to total assets | 85.4567% | 3,626 |
| Equity capital to assets | 8.2915% | 6,158 |
| Core capital (leverage) ratio | 8.5877% | 5,215 |
| Tier 1 risk-based capital ratio | 14.1327% | 3,781 |
| Total risk-based capital ratio | 15.3944% | 3,731 |
| Memoranda: | ||
| Average total assets | $71,704,000 | 5,823 |
| Average earning assets | $67,525,800 | 5,754 |
| Average equity | $6,317,600 | 6,267 |
| Average total loans | $44,176,200 | 5,740 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7869% | 5,718 |
| Cost of funding earning assets | 1.3762% | 3,733 |
| Net interest margin | 3.4107% | 5,633 |
| Noninterest income to average assets | 0.2744% | 5,914 |
| Noninterest expense to average assets | 2.0562% | 6,943 |
| Loan and lease loss provision to assets | 0.7838% | 1,946 |
| Net operating income to assets | 0.4240% | 4,646 |
| Return on assets (ROA) | 0.4924% | 4,548 |
| Pretax return on assets | 0.7537% | 4,070 |
| Return on Equity (ROE) | 5.5035% | 4,039 |
| Retained earnings to average equity (ytd only) | 2.6678% | 4,555 |
| Net charge-offs to loans | 1.0602% | 1,913 |
| Credit loss provision to net charge-offs | 117.1348% | 3,543 |
| Earnings coverage of net charge-offs (x) | 2.1405% | 4,116 |
| Efficiency ratio | 58.9440% | 6,112 |
| Assets per employee ($millions) | 5.4560% | 1,667 |
| Cash dividends to net income (ytd only)* | 51.5287% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3443% | 1,558 |
| Loan loss allowance to noncurrent loans | 146.8116% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.9728% | 5,141 |
| Noncurrent loans to loans | 1.5968% | 4,251 |
| Net loans and leases to total assets | 59.4955% | 5,005 |
| Net loans and leases to deposits | 72.9884% | 4,694 |
| Net loans and leases to core deposits | 75.6038% | 5,111 |
| Total domestic deposits to total assets | 81.5136% | 5,200 |
| Equity capital to assets | 9.0303% | 5,536 |
| Core capital (leverage) ratio | 9.3637% | 4,113 |
| Tier 1 risk-based capital ratio | 13.9074% | 3,910 |
| Total risk-based capital ratio | 15.1701% | 3,863 |
| Memoranda: | ||
| Average total assets | $70,939,250 | 5,916 |
| Average earning assets | $66,847,500 | 5,837 |
| Average equity | $6,347,250 | 6,335 |
| Average total loans | $44,768,750 | 5,794 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8150% | 5,743 |
| Cost of funding earning assets | 1.4648% | 3,461 |
| Net interest margin | 3.3502% | 5,835 |
| Noninterest income to average assets | 0.2847% | 5,864 |
| Noninterest expense to average assets | 2.0185% | 7,076 |
| Loan and lease loss provision to assets | 0.6851% | 2,114 |
| Net operating income to assets | 0.5187% | 4,250 |
| Return on assets (ROA) | 0.5187% | 4,404 |
| Pretax return on assets | 0.7922% | 3,908 |
| Return on Equity (ROE) | 5.8154% | 3,886 |
| Retained earnings to average equity (ytd only) | 3.0973% | 4,138 |
| Net charge-offs to loans | 1.5589% | 1,222 |
| Credit loss provision to net charge-offs | 68.8385% | 4,999 |
| Earnings coverage of net charge-offs (x) | 1.4844% | 4,372 |
| Efficiency ratio | 57.7419% | 6,413 |
| Assets per employee ($millions) | 5.1783% | 1,950 |
| Cash dividends to net income (ytd only)* | 46.7391% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9038% | 2,402 |
| Loan loss allowance to noncurrent loans | 88.0753% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 1.4201% | 4,345 |
| Noncurrent loans to loans | 2.1616% | 3,518 |
| Net loans and leases to total assets | 64.4478% | 4,170 |
| Net loans and leases to deposits | 79.9340% | 3,609 |
| Net loans and leases to core deposits | 112.4313% | 1,008 |
| Total domestic deposits to total assets | 80.6263% | 5,530 |
| Equity capital to assets | 9.4774% | 4,735 |
| Core capital (leverage) ratio | 8.9635% | 4,666 |
| Tier 1 risk-based capital ratio | 13.9046% | 3,795 |
| Total risk-based capital ratio | 15.1593% | 3,753 |
| Memoranda: | ||
| Average total assets | $70,943,000 | 5,949 |
| Average earning assets | $67,995,670 | 5,831 |
| Average equity | $6,328,000 | 6,363 |
| Average total loans | $45,287,670 | 5,806 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 6,042 |
| Cost of funding earning assets | 1.6207% | 2,832 |
| Net interest margin | 3.1383% | 6,495 |
| Noninterest income to average assets | 0.2584% | 6,088 |
| Noninterest expense to average assets | 2.0067% | 7,149 |
| Loan and lease loss provision to assets | 0.2749% | 3,825 |
| Net operating income to assets | 0.6433% | 3,697 |
| Return on assets (ROA) | 0.6433% | 3,813 |
| Pretax return on assets | 0.9896% | 3,129 |
| Return on Equity (ROE) | 7.4262% | 3,149 |
| Retained earnings to average equity (ytd only) | 5.0778% | 3,116 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3445% | 5,940 |
| Assets per employee ($millions) | 5.5400% | 1,626 |
| Cash dividends to net income (ytd only)* | 31.6239% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1933% | 1,770 |
| Loan loss allowance to noncurrent loans | 145.2174% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.9581% | 5,236 |
| Noncurrent loans to loans | 1.5103% | 4,483 |
| Net loans and leases to total assets | 62.0425% | 4,742 |
| Net loans and leases to deposits | 75.0672% | 4,565 |
| Net loans and leases to core deposits | 101.9392% | 1,915 |
| Total domestic deposits to total assets | 82.6493% | 4,777 |
| Equity capital to assets | 8.7670% | 5,615 |
| Core capital (leverage) ratio | 8.4469% | 5,472 |
| Tier 1 risk-based capital ratio | 13.2981% | 4,127 |
| Total risk-based capital ratio | 14.5566% | 4,070 |
| Memoranda: | ||
| Average total assets | $72,755,500 | 5,971 |
| Average earning assets | $69,847,000 | 5,854 |
| Average equity | $6,302,000 | 6,413 |
| Average total loans | $45,818,000 | 5,849 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9299% | 6,638 |
| Cost of funding earning assets | 2.1871% | 2,090 |
| Net interest margin | 2.7428% | 7,149 |
| Noninterest income to average assets | 0.3398% | 5,657 |
| Noninterest expense to average assets | 2.1471% | 7,089 |
| Loan and lease loss provision to assets | 0.6196% | 3,325 |
| Net operating income to assets | 0.1428% | 5,074 |
| Return on assets (ROA) | 0.1428% | 5,142 |
| Pretax return on assets | 0.1799% | 5,049 |
| Return on Equity (ROE) | 1.9026% | 4,945 |
| Retained earnings to average equity (ytd only) | -0.1332% | 4,971 |
| Net charge-offs to loans | 0.2792% | 4,887 |
| Credit loss provision to net charge-offs | 347.2000% | 935 |
| Earnings coverage of net charge-offs (x) | 4.4800% | 2,936 |
| Efficiency ratio | 72.8682% | 4,124 |
| Assets per employee ($millions) | 5.6532% | 1,510 |
| Cash dividends to net income (ytd only)* | 107.0000% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0718% | 1,869 |
| Loan loss allowance to noncurrent loans | 137.9710% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.9389% | 5,226 |
| Noncurrent loans to loans | 1.5016% | 4,411 |
| Net loans and leases to total assets | 61.2306% | 5,153 |
| Net loans and leases to deposits | 76.3005% | 4,684 |
| Net loans and leases to core deposits | 132.8698% | 1,118 |
| Total domestic deposits to total assets | 80.2493% | 5,600 |
| Equity capital to assets | 8.5589% | 5,794 |
| Core capital (leverage) ratio | 8.4271% | 5,392 |
| Tier 1 risk-based capital ratio | 13.0021% | 4,141 |
| Total risk-based capital ratio | 14.2588% | 4,081 |
| Memoranda: | ||
| Average total assets | $70,047,800 | 6,001 |
| Average earning assets | $66,573,400 | 5,911 |
| Average equity | $5,256,000 | 6,850 |
| Average total loans | $44,776,200 | 5,887 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9164% | 6,841 |
| Cost of funding earning assets | 2.2915% | 2,010 |
| Net interest margin | 2.6249% | 7,323 |
| Noninterest income to average assets | 0.3430% | 5,750 |
| Noninterest expense to average assets | 2.2354% | 6,884 |
| Loan and lease loss provision to assets | 0.1041% | 6,331 |
| Net operating income to assets | 0.3295% | 4,680 |
| Return on assets (ROA) | 0.3295% | 4,783 |
| Pretax return on assets | 0.4914% | 4,546 |
| Return on Equity (ROE) | 4.5621% | 4,131 |
| Retained earnings to average equity (ytd only) | 2.5079% | 3,923 |
| Net charge-offs to loans | 0.3717% | 3,793 |
| Credit loss provision to net charge-offs | 43.5484% | 6,388 |
| Earnings coverage of net charge-offs (x) | 2.4919% | 3,984 |
| Efficiency ratio | 78.9653% | 2,998 |
| Assets per employee ($millions) | 5.5938% | 1,520 |
| Cash dividends to net income (ytd only)* | 45.0283% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 4,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 59.9623% | 5,584 |
| Net loans and leases to deposits | 74.6605% | 5,272 |
| Net loans and leases to core deposits | 125.1730% | 1,801 |
| Total domestic deposits to total assets | 80.3133% | 5,327 |
| Equity capital to assets | 7.3997% | 7,374 |
| Core capital (leverage) ratio | 7.6608% | 6,784 |
| Tier 1 risk-based capital ratio | 11.2985% | 5,640 |
| Total risk-based capital ratio | 12.5178% | 5,615 |
| Memoranda: | ||
| Average total assets | $69,187,000 | 6,068 |
| Average earning assets | $65,574,250 | 5,976 |
| Average equity | $4,997,500 | 6,997 |
| Average total loans | $44,482,500 | 5,950 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0223% | 6,697 |
| Cost of funding earning assets | 2.4064% | 1,944 |
| Net interest margin | 2.6158% | 7,340 |
| Noninterest income to average assets | 0.3323% | 5,850 |
| Noninterest expense to average assets | 2.2614% | 6,882 |
| Loan and lease loss provision to assets | 0.1029% | 6,140 |
| Net operating income to assets | 0.2853% | 4,963 |
| Return on assets (ROA) | 0.2853% | 5,063 |
| Pretax return on assets | 0.4294% | 4,847 |
| Return on Equity (ROE) | 3.9838% | 4,498 |
| Retained earnings to average equity (ytd only) | 2.0535% | 4,201 |
| Net charge-offs to loans | 0.5473% | 2,684 |
| Credit loss provision to net charge-offs | 28.6885% | 6,044 |
| Earnings coverage of net charge-offs (x) | 1.4836% | 4,420 |
| Efficiency ratio | 80.9474% | 2,895 |
| Assets per employee ($millions) | 5.3135% | 1,760 |
| Cash dividends to net income (ytd only)* | 48.4536% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 4,308 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 61.4289% | 5,448 |
| Net loans and leases to deposits | 72.1461% | 5,715 |
| Net loans and leases to core deposits | 120.9440% | 2,283 |
| Total domestic deposits to total assets | 85.1451% | 3,190 |
| Equity capital to assets | 7.0590% | 7,572 |
| Core capital (leverage) ratio | 7.1137% | 7,441 |
| Tier 1 risk-based capital ratio | 11.1637% | 5,716 |
| Total risk-based capital ratio | 12.4156% | 5,629 |
| Memoranda: | ||
| Average total assets | $68,009,670 | 6,152 |
| Average earning assets | $63,995,000 | 6,079 |
| Average equity | $4,869,670 | 7,116 |
| Average total loans | $44,584,000 | 5,999 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0533% | 6,781 |
| Cost of funding earning assets | 2.4546% | 2,089 |
| Net interest margin | 2.5987% | 7,368 |
| Noninterest income to average assets | 0.3201% | 5,888 |
| Noninterest expense to average assets | 2.3830% | 6,254 |
| Loan and lease loss provision to assets | 0.1008% | 5,677 |
| Net operating income to assets | 0.2134% | 5,621 |
| Return on assets (ROA) | 0.2134% | 5,781 |
| Pretax return on assets | 0.2964% | 5,691 |
| Return on Equity (ROE) | 2.9590% | 5,388 |
| Retained earnings to average equity (ytd only) | 1.5617% | 4,978 |
| Net charge-offs to loans | 1.0665% | 1,277 |
| Credit loss provision to net charge-offs | 14.0496% | 5,151 |
| Earnings coverage of net charge-offs (x) | 0.5537% | 4,552 |
| Efficiency ratio | 85.7143% | 2,107 |
| Assets per employee ($millions) | 5.2592% | 1,786 |
| Cash dividends to net income (ytd only)* | 47.2222% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 4,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 64.3098% | 4,929 |
| Net loans and leases to deposits | 75.9077% | 5,237 |
| Net loans and leases to core deposits | 121.0806% | 2,325 |
| Total domestic deposits to total assets | 84.7211% | 3,347 |
| Equity capital to assets | 7.0895% | 7,631 |
| Core capital (leverage) ratio | 7.3220% | 7,358 |
| Tier 1 risk-based capital ratio | 10.9029% | 5,992 |
| Total risk-based capital ratio | 12.1154% | 5,935 |
| Memoranda: | ||
| Average total assets | $67,477,000 | 6,199 |
| Average earning assets | $63,879,000 | 6,115 |
| Average equity | $4,866,500 | 7,165 |
| Average total loans | $45,382,000 | 5,992 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6249% | 7,000 |
| Cost of funding earning assets | 2.7095% | 3,119 |
| Net interest margin | 2.9154% | 7,120 |
| Noninterest income to average assets | 0.3763% | 5,680 |
| Noninterest expense to average assets | 2.5075% | 5,975 |
| Loan and lease loss provision to assets | 0.0624% | 6,621 |
| Net operating income to assets | 0.3789% | 5,233 |
| Return on assets (ROA) | 0.3747% | 5,064 |
| Pretax return on assets | 0.5652% | 4,792 |
| Return on Equity (ROE) | 4.9298% | 4,421 |
| Retained earnings to average equity (ytd only) | 3.6026% | 2,905 |
| Net charge-offs to loans | 0.0265% | 6,462 |
| Credit loss provision to net charge-offs | 325.0000% | 1,387 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,094 |
| Efficiency ratio | 79.8165% | 2,623 |
| Assets per employee ($millions) | 5.1219% | 1,806 |
| Cash dividends to net income (ytd only)* | 26.9231% | 4,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 3,255 |
| Loan loss allowance to noncurrent loans | 180.1120% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.5362% | 5,567 |
| Noncurrent loans to loans | 0.7718% | 5,101 |
| Net loans and leases to total assets | 68.5049% | 4,364 |
| Net loans and leases to deposits | 79.7043% | 5,098 |
| Net loans and leases to core deposits | 129.6257% | 1,876 |
| Total domestic deposits to total assets | 85.9488% | 2,422 |
| Equity capital to assets | 7.3380% | 7,524 |
| Core capital (leverage) ratio | 7.2933% | 7,426 |
| Tier 1 risk-based capital ratio | 10.6094% | 6,092 |
| Total risk-based capital ratio | 11.8619% | 5,989 |
| Memoranda: | ||
| Average total assets | $62,452,400 | 6,299 |
| Average earning assets | $59,237,000 | 6,209 |
| Average equity | $4,746,600 | 7,231 |
| Average total loans | $45,348,600 | 5,910 |