Home > The Buckholts State Bank > Performance and Condition Ratios
The Buckholts State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6523% | 1,767 |
| Cost of funding earning assets | 1.2187% | 3,714 |
| Net interest margin | 4.4336% | 704 |
| Noninterest income to average assets | 0.2100% | 3,487 |
| Noninterest expense to average assets | 1.7689% | 3,967 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 2.7797% | 170 |
| Return on assets (ROA) | 2.7797% | 172 |
| Pretax return on assets | 2.7797% | 234 |
| Return on Equity (ROE) | 16.3100% | 855 |
| Retained earnings to average equity (ytd only) | 4.4283% | 2,730 |
| Net charge-offs to loans | 0.0100% | 1,880 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 434.5000% | 220 |
| Efficiency ratio | 38.8889% | 4,304 |
| Assets per employee ($millions) | 8.4965% | 1,305 |
| Cash dividends to net income (ytd only)* | 72.8423% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8697% | 3,681 |
| Loan loss allowance to noncurrent loans | 158.6364% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 1,935 |
| Noncurrent loans to loans | 0.5482% | 1,759 |
| Net loans and leases to total assets | 62.4300% | 2,654 |
| Net loans and leases to deposits | 75.1836% | 2,468 |
| Net loans and leases to core deposits | 86.0322% | 2,322 |
| Total domestic deposits to total assets | 83.0300% | 3,113 |
| Equity capital to assets | 16.8194% | 409 |
| Core capital (leverage) ratio | 17.1847% | 373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2834% | 286 |
| Memoranda: | ||
| Average total assets | $125,048,500 | 3,580 |
| Average earning assets | $122,428,500 | 3,524 |
| Average equity | $21,317,500 | 2,931 |
| Average total loans | $80,084,000 | 3,445 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6596% | 1,828 |
| Cost of funding earning assets | 1.1771% | 3,840 |
| Net interest margin | 4.4824% | 666 |
| Noninterest income to average assets | 0.2100% | 3,644 |
| Noninterest expense to average assets | 1.9286% | 3,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 2.6776% | 187 |
| Return on assets (ROA) | 2.6776% | 189 |
| Pretax return on assets | 2.6776% | 248 |
| Return on Equity (ROE) | 15.8900% | 799 |
| Retained earnings to average equity (ytd only) | 9.4141% | 699 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 41.8702% | 4,290 |
| Assets per employee ($millions) | 8.1766% | 1,437 |
| Cash dividends to net income (ytd only)* | 40.7651% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8760% | 3,693 |
| Loan loss allowance to noncurrent loans | 155.2106% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3677% | 1,819 |
| Noncurrent loans to loans | 0.5644% | 1,665 |
| Net loans and leases to total assets | 64.5800% | 2,515 |
| Net loans and leases to deposits | 78.2290% | 2,269 |
| Net loans and leases to core deposits | 89.2789% | 2,154 |
| Total domestic deposits to total assets | 82.5600% | 3,135 |
| Equity capital to assets | 17.2843% | 381 |
| Core capital (leverage) ratio | 17.2142% | 381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8585% | 292 |
| Memoranda: | ||
| Average total assets | $119,100,600 | 3,627 |
| Average earning assets | $116,723,000 | 3,555 |
| Average equity | $20,065,600 | 2,968 |
| Average total loans | $78,543,600 | 3,438 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5960% | 1,913 |
| Cost of funding earning assets | 1.1496% | 3,883 |
| Net interest margin | 4.4465% | 674 |
| Noninterest income to average assets | 0.2100% | 3,632 |
| Noninterest expense to average assets | 1.7482% | 4,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.8242% | 164 |
| Return on assets (ROA) | 2.8242% | 167 |
| Pretax return on assets | 2.8242% | 233 |
| Return on Equity (ROE) | 16.8800% | 700 |
| Retained earnings to average equity (ytd only) | 8.1148% | 1,359 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 38.2338% | 4,366 |
| Assets per employee ($millions) | 8.1507% | 1,436 |
| Cash dividends to net income (ytd only)* | 51.9169% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9011% | 3,657 |
| Loan loss allowance to noncurrent loans | 149.8929% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.3820% | 1,733 |
| Noncurrent loans to loans | 0.6012% | 1,584 |
| Net loans and leases to total assets | 62.9700% | 2,635 |
| Net loans and leases to deposits | 75.8145% | 2,535 |
| Net loans and leases to core deposits | 85.0555% | 2,492 |
| Total domestic deposits to total assets | 83.0500% | 2,832 |
| Equity capital to assets | 16.7790% | 435 |
| Core capital (leverage) ratio | 17.0548% | 397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7728% | 305 |
| Memoranda: | ||
| Average total assets | $118,213,500 | 3,636 |
| Average earning assets | $115,864,750 | 3,573 |
| Average equity | $19,782,250 | 2,980 |
| Average total loans | $78,202,000 | 3,448 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6061% | 1,763 |
| Cost of funding earning assets | 1.1010% | 3,914 |
| Net interest margin | 4.5052% | 619 |
| Noninterest income to average assets | 0.2100% | 3,620 |
| Noninterest expense to average assets | 1.7781% | 3,966 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.8460% | 168 |
| Return on assets (ROA) | 2.8460% | 172 |
| Pretax return on assets | 2.8460% | 235 |
| Return on Equity (ROE) | 17.0200% | 713 |
| Retained earnings to average equity (ytd only) | 5.7630% | 2,099 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 38.4530% | 4,385 |
| Assets per employee ($millions) | 7.8583% | 1,534 |
| Cash dividends to net income (ytd only)* | 66.1455% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 3,706 |
| Loan loss allowance to noncurrent loans | 140.8451% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.4216% | 1,521 |
| Noncurrent loans to loans | 0.6366% | 1,456 |
| Net loans and leases to total assets | 65.6400% | 2,387 |
| Net loans and leases to deposits | 79.1071% | 2,273 |
| Net loans and leases to core deposits | 88.8094% | 2,222 |
| Total domestic deposits to total assets | 82.9800% | 2,874 |
| Equity capital to assets | 16.8595% | 405 |
| Core capital (leverage) ratio | 16.9037% | 400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7564% | 321 |
| Memoranda: | ||
| Average total assets | $116,864,667 | 3,663 |
| Average earning assets | $114,446,333 | 3,599 |
| Average equity | $19,538,333 | 2,976 |
| Average total loans | $78,375,333 | 3,452 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4797% | 1,853 |
| Cost of funding earning assets | 0.9899% | 3,996 |
| Net interest margin | 4.4898% | 593 |
| Noninterest income to average assets | 0.2100% | 3,582 |
| Noninterest expense to average assets | 1.7841% | 3,977 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.8257% | 193 |
| Return on assets (ROA) | 2.8257% | 190 |
| Pretax return on assets | 2.8257% | 257 |
| Return on Equity (ROE) | 16.9700% | 726 |
| Retained earnings to average equity (ytd only) | 2.5192% | 3,119 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 38.7025% | 4,373 |
| Assets per employee ($millions) | 7.7541% | 1,601 |
| Cash dividends to net income (ytd only)* | 85.1582% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 3,741 |
| Loan loss allowance to noncurrent loans | 1,891.8919% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 3,495 |
| Noncurrent loans to loans | 0.0469% | 3,421 |
| Net loans and leases to total assets | 67.1800% | 2,104 |
| Net loans and leases to deposits | 80.7958% | 1,999 |
| Net loans and leases to core deposits | 89.0261% | 2,100 |
| Total domestic deposits to total assets | 83.1500% | 2,945 |
| Equity capital to assets | 16.7069% | 406 |
| Core capital (leverage) ratio | 16.8629% | 401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0882% | 340 |
| Memoranda: | ||
| Average total assets | $116,360,000 | 3,680 |
| Average earning assets | $113,947,000 | 3,614 |
| Average equity | $19,371,000 | 3,004 |
| Average total loans | $78,524,500 | 3,456 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2341% | 1,599 |
| Cost of funding earning assets | 0.6413% | 4,013 |
| Net interest margin | 4.5928% | 532 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.8905% | 3,853 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.8375% | 183 |
| Return on assets (ROA) | 2.8375% | 182 |
| Pretax return on assets | 2.8375% | 242 |
| Return on Equity (ROE) | 18.4200% | 768 |
| Retained earnings to average equity (ytd only) | 11.7832% | 658 |
| Net charge-offs to loans | 0.0013% | 2,806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 3,332.0000% | 36 |
| Efficiency ratio | 39.9856% | 4,362 |
| Assets per employee ($millions) | 7.7606% | 1,559 |
| Cash dividends to net income (ytd only)* | 36.0144% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8950% | 3,731 |
| Loan loss allowance to noncurrent loans | 1,458.3333% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 3,334 |
| Noncurrent loans to loans | 0.0614% | 3,274 |
| Net loans and leases to total assets | 66.5800% | 2,190 |
| Net loans and leases to deposits | 79.9301% | 2,114 |
| Net loans and leases to core deposits | 87.0379% | 2,243 |
| Total domestic deposits to total assets | 83.3000% | 2,806 |
| Equity capital to assets | 16.5881% | 417 |
| Core capital (leverage) ratio | 16.5885% | 420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0663% | 338 |
| Memoranda: | ||
| Average total assets | $117,426,600 | 3,675 |
| Average earning assets | $115,396,800 | 3,589 |
| Average equity | $18,093,600 | 3,001 |
| Average total loans | $78,116,800 | 3,436 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1183% | 1,597 |
| Cost of funding earning assets | 0.5705% | 4,026 |
| Net interest margin | 4.5478% | 578 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.7437% | 4,061 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.9412% | 189 |
| Return on assets (ROA) | 2.9412% | 188 |
| Pretax return on assets | 2.9412% | 246 |
| Return on Equity (ROE) | 19.4600% | 779 |
| Retained earnings to average equity (ytd only) | 10.4628% | 1,274 |
| Net charge-offs to loans | 0.0017% | 2,526 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 2,596.0000% | 47 |
| Efficiency ratio | 37.2189% | 4,423 |
| Assets per employee ($millions) | 7.8043% | 1,448 |
| Cash dividends to net income (ytd only)* | 46.2250% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9070% | 3,708 |
| Loan loss allowance to noncurrent loans | 2,254.8387% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 3,541 |
| Noncurrent loans to loans | 0.0402% | 3,479 |
| Net loans and leases to total assets | 65.2400% | 2,318 |
| Net loans and leases to deposits | 77.6483% | 2,277 |
| Net loans and leases to core deposits | 84.3869% | 2,303 |
| Total domestic deposits to total assets | 84.0200% | 2,768 |
| Equity capital to assets | 15.8665% | 454 |
| Core capital (leverage) ratio | 15.8264% | 517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1094% | 377 |
| Memoranda: | ||
| Average total assets | $117,681,000 | 3,679 |
| Average earning assets | $115,686,250 | 3,600 |
| Average equity | $17,789,500 | 3,022 |
| Average total loans | $78,093,750 | 3,441 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0393% | 1,492 |
| Cost of funding earning assets | 0.4865% | 4,008 |
| Net interest margin | 4.5528% | 578 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.6626% | 4,193 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 3.0232% | 148 |
| Return on assets (ROA) | 3.0232% | 148 |
| Pretax return on assets | 3.0232% | 202 |
| Return on Equity (ROE) | 20.3300% | 676 |
| Retained earnings to average equity (ytd only) | 8.9229% | 1,707 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 35.4815% | 4,485 |
| Assets per employee ($millions) | 7.9351% | 1,346 |
| Cash dividends to net income (ytd only)* | 56.1167% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 3,704 |
| Loan loss allowance to noncurrent loans | 1,794.8718% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 3,455 |
| Noncurrent loans to loans | 0.0515% | 3,333 |
| Net loans and leases to total assets | 63.0500% | 2,479 |
| Net loans and leases to deposits | 74.3305% | 2,459 |
| Net loans and leases to core deposits | 80.1234% | 2,466 |
| Total domestic deposits to total assets | 84.8300% | 2,590 |
| Equity capital to assets | 15.0890% | 516 |
| Core capital (leverage) ratio | 15.4933% | 532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6578% | 402 |
| Memoranda: | ||
| Average total assets | $117,886,667 | 3,694 |
| Average earning assets | $115,929,000 | 3,610 |
| Average equity | $17,528,000 | 3,057 |
| Average total loans | $78,435,000 | 3,438 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8915% | 1,429 |
| Cost of funding earning assets | 0.3568% | 4,056 |
| Net interest margin | 4.5346% | 559 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 1.7150% | 4,178 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.9595% | 158 |
| Return on assets (ROA) | 2.9595% | 157 |
| Pretax return on assets | 2.9595% | 204 |
| Return on Equity (ROE) | 20.0600% | 760 |
| Retained earnings to average equity (ytd only) | 6.1922% | 2,717 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 36.6885% | 4,527 |
| Assets per employee ($millions) | 7.8447% | 1,439 |
| Cash dividends to net income (ytd only)* | 69.1244% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 3,897 |
| Loan loss allowance to noncurrent loans | 1,555.5556% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 3,404 |
| Noncurrent loans to loans | 0.0569% | 3,331 |
| Net loans and leases to total assets | 66.6600% | 1,992 |
| Net loans and leases to deposits | 78.3217% | 1,937 |
| Net loans and leases to core deposits | 83.1038% | 2,052 |
| Total domestic deposits to total assets | 85.1100% | 2,832 |
| Equity capital to assets | 14.8262% | 496 |
| Core capital (leverage) ratio | 15.1815% | 556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5610% | 467 |
| Memoranda: | ||
| Average total assets | $117,316,500 | 3,749 |
| Average earning assets | $115,466,500 | 3,663 |
| Average equity | $17,312,000 | 3,106 |
| Average total loans | $79,777,500 | 3,452 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1371% | 1,381 |
| Cost of funding earning assets | 0.1792% | 3,916 |
| Net interest margin | 3.9579% | 841 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.7195% | 4,141 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 2.1882% | 217 |
| Return on assets (ROA) | 2.1882% | 210 |
| Pretax return on assets | 2.1882% | 328 |
| Return on Equity (ROE) | 15.0700% | 1,241 |
| Retained earnings to average equity (ytd only) | 11.6582% | 745 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 42.0647% | 4,486 |
| Assets per employee ($millions) | 7.7975% | 1,438 |
| Cash dividends to net income (ytd only)* | 22.6151% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8705% | 3,871 |
| Loan loss allowance to noncurrent loans | 1,076.9231% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 3,250 |
| Noncurrent loans to loans | 0.0808% | 3,178 |
| Net loans and leases to total assets | 68.1500% | 1,813 |
| Net loans and leases to deposits | 81.5407% | 1,653 |
| Net loans and leases to core deposits | 83.2881% | 1,916 |
| Total domestic deposits to total assets | 83.5800% | 3,299 |
| Equity capital to assets | 14.6867% | 505 |
| Core capital (leverage) ratio | 14.8302% | 596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4782% | 517 |
| Memoranda: | ||
| Average total assets | $111,139,200 | 3,821 |
| Average earning assets | $108,844,400 | 3,732 |
| Average equity | $16,143,200 | 3,263 |
| Average total loans | $66,027,400 | 3,641 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8766% | 1,537 |
| Cost of funding earning assets | 0.1752% | 3,565 |
| Net interest margin | 3.7013% | 1,131 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.5645% | 4,344 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.2817% | 197 |
| Return on assets (ROA) | 2.2817% | 191 |
| Pretax return on assets | 2.2817% | 286 |
| Return on Equity (ROE) | 15.7600% | 1,023 |
| Retained earnings to average equity (ytd only) | 11.1385% | 1,013 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 40.6764% | 4,558 |
| Assets per employee ($millions) | 8.3712% | 1,132 |
| Cash dividends to net income (ytd only)* | 29.3021% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6828% | 4,282 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 2,902 |
| Noncurrent loans to loans | 0.1707% | 2,739 |
| Net loans and leases to total assets | 62.0600% | 2,281 |
| Net loans and leases to deposits | 72.3352% | 2,177 |
| Net loans and leases to core deposits | 73.8400% | 2,363 |
| Total domestic deposits to total assets | 85.7900% | 3,115 |
| Equity capital to assets | 14.1838% | 546 |
| Core capital (leverage) ratio | 14.6132% | 595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2857% | 540 |
| Memoranda: | ||
| Average total assets | $109,683,250 | 3,861 |
| Average earning assets | $107,273,500 | 3,777 |
| Average equity | $15,884,500 | 3,330 |
| Average total loans | $62,430,500 | 3,712 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7138% | 1,506 |
| Cost of funding earning assets | 0.1813% | 3,163 |
| Net interest margin | 3.5325% | 1,222 |
| Noninterest income to average assets | 0.2277% | 3,830 |
| Noninterest expense to average assets | 1.5843% | 4,323 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.0974% | 188 |
| Return on assets (ROA) | 2.0974% | 186 |
| Pretax return on assets | 2.0974% | 297 |
| Return on Equity (ROE) | 14.3749% | 1,021 |
| Retained earnings to average equity (ytd only) | 9.0035% | 1,286 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0309% | 4,538 |
| Assets per employee ($millions) | 7.8472% | 1,383 |
| Cash dividends to net income (ytd only)* | 37.3665% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7560% | 4,247 |
| Loan loss allowance to noncurrent loans | 609.7561% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 3,228 |
| Noncurrent loans to loans | 0.1240% | 3,102 |
| Net loans and leases to total assets | 59.7428% | 2,352 |
| Net loans and leases to deposits | 69.9447% | 2,209 |
| Net loans and leases to core deposits | 71.5037% | 2,377 |
| Total domestic deposits to total assets | 85.4143% | 3,393 |
| Equity capital to assets | 14.5639% | 461 |
| Core capital (leverage) ratio | 14.6823% | 518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8440% | 486 |
| Memoranda: | ||
| Average total assets | $107,178,667 | 3,926 |
| Average earning assets | $104,797,333 | 3,858 |
| Average equity | $15,638,333 | 3,437 |
| Average total loans | $58,831,333 | 3,808 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5212% | 1,734 |
| Cost of funding earning assets | 0.1898% | 2,951 |
| Net interest margin | 3.3314% | 1,495 |
| Noninterest income to average assets | 0.2268% | 3,794 |
| Noninterest expense to average assets | 1.6516% | 4,211 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8254% | 311 |
| Return on assets (ROA) | 1.8254% | 313 |
| Pretax return on assets | 1.8254% | 519 |
| Return on Equity (ROE) | 12.4988% | 1,162 |
| Retained earnings to average equity (ytd only) | 8.3584% | 1,467 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5000% | 4,429 |
| Assets per employee ($millions) | 7.6924% | 1,554 |
| Cash dividends to net income (ytd only)* | 33.1263% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8735% | 4,106 |
| Loan loss allowance to noncurrent loans | 555.5556% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 3,241 |
| Noncurrent loans to loans | 0.1572% | 3,018 |
| Net loans and leases to total assets | 52.6891% | 2,919 |
| Net loans and leases to deposits | 61.6457% | 2,746 |
| Net loans and leases to core deposits | 62.9750% | 2,894 |
| Total domestic deposits to total assets | 85.4709% | 3,414 |
| Equity capital to assets | 14.5031% | 449 |
| Core capital (leverage) ratio | 14.7653% | 468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0097% | 382 |
| Memoranda: | ||
| Average total assets | $105,837,500 | 3,961 |
| Average earning assets | $103,261,000 | 3,895 |
| Average equity | $15,457,500 | 3,522 |
| Average total loans | $55,180,000 | 3,883 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3223% | 3,136 |
| Cost of funding earning assets | 0.2245% | 3,201 |
| Net interest margin | 3.0978% | 2,909 |
| Noninterest income to average assets | 0.2429% | 3,918 |
| Noninterest expense to average assets | 1.8188% | 4,111 |
| Loan and lease loss provision to assets | 0.0512% | 2,033 |
| Net operating income to assets | 1.3987% | 1,281 |
| Return on assets (ROA) | 1.3987% | 1,336 |
| Pretax return on assets | 1.3987% | 2,058 |
| Return on Equity (ROE) | 9.1633% | 2,849 |
| Retained earnings to average equity (ytd only) | 5.1153% | 2,742 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6426% | 3,740 |
| Assets per employee ($millions) | 7.4272% | 1,657 |
| Cash dividends to net income (ytd only)* | 44.1758% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 3,962 |
| Loan loss allowance to noncurrent loans | 59.1017% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 0.8136% | 735 |
| Noncurrent loans to loans | 1.5927% | 551 |
| Net loans and leases to total assets | 50.6025% | 3,208 |
| Net loans and leases to deposits | 59.3476% | 3,136 |
| Net loans and leases to core deposits | 60.6753% | 3,267 |
| Total domestic deposits to total assets | 85.2646% | 3,184 |
| Equity capital to assets | 14.7104% | 540 |
| Core capital (leverage) ratio | 15.2851% | 427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2566% | 387 |
| Memoranda: | ||
| Average total assets | $97,589,400 | 4,021 |
| Average earning assets | $95,326,200 | 3,962 |
| Average equity | $14,896,400 | 3,648 |
| Average total loans | $46,991,800 | 4,055 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3969% | 3,111 |
| Cost of funding earning assets | 0.2333% | 3,285 |
| Net interest margin | 3.1636% | 2,849 |
| Noninterest income to average assets | 0.2445% | 3,931 |
| Noninterest expense to average assets | 1.6696% | 4,372 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6640% | 893 |
| Return on assets (ROA) | 1.6640% | 935 |
| Pretax return on assets | 1.6640% | 1,509 |
| Return on Equity (ROE) | 10.7951% | 2,446 |
| Retained earnings to average equity (ytd only) | 5.3615% | 3,083 |
| Net charge-offs to loans | 0.0029% | 2,247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1,198.0000% | 135 |
| Efficiency ratio | 50.0833% | 4,217 |
| Assets per employee ($millions) | 6.8186% | 2,001 |
| Cash dividends to net income (ytd only)* | 50.3339% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 3,970 |
| Loan loss allowance to noncurrent loans | 51.1973% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 0.9187% | 741 |
| Noncurrent loans to loans | 1.8805% | 489 |
| Net loans and leases to total assets | 48.3831% | 3,588 |
| Net loans and leases to deposits | 57.5202% | 3,447 |
| Net loans and leases to core deposits | 58.9421% | 3,554 |
| Total domestic deposits to total assets | 84.1150% | 3,430 |
| Equity capital to assets | 15.8484% | 431 |
| Core capital (leverage) ratio | 15.9122% | 395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1969% | 248 |
| Memoranda: | ||
| Average total assets | $95,991,500 | 4,083 |
| Average earning assets | $93,730,500 | 4,026 |
| Average equity | $14,796,500 | 3,703 |
| Average total loans | $45,460,500 | 4,134 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4640% | 2,994 |
| Cost of funding earning assets | 0.2387% | 3,389 |
| Net interest margin | 3.2252% | 2,678 |
| Noninterest income to average assets | 0.2433% | 3,940 |
| Noninterest expense to average assets | 1.6617% | 4,422 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7282% | 829 |
| Return on assets (ROA) | 1.7282% | 876 |
| Pretax return on assets | 1.7282% | 1,414 |
| Return on Equity (ROE) | 11.3172% | 2,299 |
| Retained earnings to average equity (ytd only) | 4.8210% | 3,256 |
| Net charge-offs to loans | -0.0044% | 3,398 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0184% | 4,321 |
| Assets per employee ($millions) | 6.8270% | 1,926 |
| Cash dividends to net income (ytd only)* | 57.4007% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9896% | 3,861 |
| Loan loss allowance to noncurrent loans | 49.5604% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 0.9521% | 802 |
| Noncurrent loans to loans | 1.9967% | 493 |
| Net loans and leases to total assets | 47.2117% | 3,804 |
| Net loans and leases to deposits | 55.9428% | 3,714 |
| Net loans and leases to core deposits | 57.2850% | 3,812 |
| Total domestic deposits to total assets | 84.3929% | 3,318 |
| Equity capital to assets | 15.5768% | 460 |
| Core capital (leverage) ratio | 14.9031% | 487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9678% | 248 |
| Memoranda: | ||
| Average total assets | $96,168,333 | 4,102 |
| Average earning assets | $93,822,333 | 4,046 |
| Average equity | $14,685,667 | 3,722 |
| Average total loans | $45,068,667 | 4,172 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1481% | 3,785 |
| Cost of funding earning assets | 0.2457% | 3,512 |
| Net interest margin | 2.9024% | 3,514 |
| Noninterest income to average assets | 0.2571% | 3,857 |
| Noninterest expense to average assets | 1.7540% | 4,284 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3435% | 1,699 |
| Return on assets (ROA) | 1.3435% | 1,784 |
| Pretax return on assets | 1.3435% | 2,449 |
| Return on Equity (ROE) | 8.8861% | 3,071 |
| Retained earnings to average equity (ytd only) | 2.7426% | 3,858 |
| Net charge-offs to loans | -0.0089% | 3,629 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6265% | 3,473 |
| Assets per employee ($millions) | 7.7172% | 1,334 |
| Cash dividends to net income (ytd only)* | 69.1358% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 3,963 |
| Loan loss allowance to noncurrent loans | 50.0000% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 0.8991% | 961 |
| Noncurrent loans to loans | 1.9414% | 568 |
| Net loans and leases to total assets | 45.8614% | 3,967 |
| Net loans and leases to deposits | 53.7136% | 3,959 |
| Net loans and leases to core deposits | 54.9104% | 4,057 |
| Total domestic deposits to total assets | 85.3814% | 2,968 |
| Equity capital to assets | 14.5877% | 557 |
| Core capital (leverage) ratio | 15.1172% | 463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3236% | 287 |
| Memoranda: | ||
| Average total assets | $96,463,500 | 4,112 |
| Average earning assets | $94,405,500 | 4,045 |
| Average equity | $14,584,500 | 3,735 |
| Average total loans | $44,815,500 | 4,194 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6804% | 3,629 |
| Cost of funding earning assets | 0.3419% | 3,917 |
| Net interest margin | 3.3385% | 2,958 |
| Noninterest income to average assets | 0.2825% | 3,794 |
| Noninterest expense to average assets | 2.1217% | 3,888 |
| Loan and lease loss provision to assets | -0.0596% | 4,945 |
| Net operating income to assets | 1.4673% | 882 |
| Return on assets (ROA) | 1.4673% | 962 |
| Pretax return on assets | 1.4673% | 1,448 |
| Return on Equity (ROE) | 8.6990% | 2,520 |
| Retained earnings to average equity (ytd only) | 5.4554% | 2,069 |
| Net charge-offs to loans | -0.2392% | 4,911 |
| Credit loss provision to net charge-offs | 50.0000% | 3,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1148% | 3,441 |
| Assets per employee ($millions) | 7.1233% | 1,493 |
| Cash dividends to net income (ytd only)* | 37.2868% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 3,709 |
| Loan loss allowance to noncurrent loans | 49.3421% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 0.9848% | 976 |
| Noncurrent loans to loans | 2.1126% | 520 |
| Net loans and leases to total assets | 46.1324% | 4,117 |
| Net loans and leases to deposits | 54.7398% | 4,080 |
| Net loans and leases to core deposits | 56.0784% | 4,148 |
| Total domestic deposits to total assets | 84.2759% | 3,022 |
| Equity capital to assets | 15.6950% | 464 |
| Core capital (leverage) ratio | 15.7340% | 416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4999% | 238 |
| Memoranda: | ||
| Average total assets | $83,895,200 | 4,198 |
| Average earning assets | $81,594,400 | 4,139 |
| Average equity | $14,151,000 | 3,737 |
| Average total loans | $41,807,000 | 4,277 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8749% | 3,341 |
| Cost of funding earning assets | 0.3628% | 3,991 |
| Net interest margin | 3.5121% | 2,555 |
| Noninterest income to average assets | 0.2921% | 3,734 |
| Noninterest expense to average assets | 1.9318% | 4,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.7719% | 484 |
| Return on assets (ROA) | 1.7719% | 539 |
| Pretax return on assets | 1.7719% | 826 |
| Return on Equity (ROE) | 10.3019% | 1,905 |
| Retained earnings to average equity (ytd only) | 5.9383% | 2,128 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1586% | 4,333 |
| Assets per employee ($millions) | 6.9408% | 1,546 |
| Cash dividends to net income (ytd only)* | 42.3573% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9328% | 3,965 |
| Loan loss allowance to noncurrent loans | 41.1100% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.0784% | 987 |
| Noncurrent loans to loans | 2.2691% | 498 |
| Net loans and leases to total assets | 47.0797% | 4,265 |
| Net loans and leases to deposits | 56.0415% | 4,256 |
| Net loans and leases to core deposits | 57.0653% | 4,337 |
| Total domestic deposits to total assets | 84.0086% | 2,820 |
| Equity capital to assets | 15.9470% | 472 |
| Core capital (leverage) ratio | 16.5319% | 377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,718,250 | 4,234 |
| Average earning assets | $79,381,250 | 4,175 |
| Average equity | $14,055,250 | 3,758 |
| Average total loans | $41,466,250 | 4,310 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1137% | 3,017 |
| Cost of funding earning assets | 0.3920% | 4,066 |
| Net interest margin | 3.7217% | 2,086 |
| Noninterest income to average assets | 0.3119% | 3,593 |
| Noninterest expense to average assets | 1.9954% | 4,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.9270% | 386 |
| Return on assets (ROA) | 1.9270% | 431 |
| Pretax return on assets | 1.9270% | 644 |
| Return on Equity (ROE) | 10.9007% | 1,665 |
| Retained earnings to average equity (ytd only) | 5.5221% | 2,268 |
| Net charge-offs to loans | 0.0049% | 2,794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 760.0000% | 125 |
| Efficiency ratio | 50.8727% | 4,453 |
| Assets per employee ($millions) | 5.9652% | 2,215 |
| Cash dividends to net income (ytd only)* | 49.3421% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 3,710 |
| Loan loss allowance to noncurrent loans | 36.9103% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 1.2944% | 807 |
| Noncurrent loans to loans | 2.6272% | 427 |
| Net loans and leases to total assets | 48.7912% | 4,220 |
| Net loans and leases to deposits | 58.7742% | 4,176 |
| Net loans and leases to core deposits | 60.0342% | 4,258 |
| Total domestic deposits to total assets | 83.0146% | 3,079 |
| Equity capital to assets | 16.9399% | 379 |
| Core capital (leverage) ratio | 17.8893% | 294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,881,000 | 4,269 |
| Average earning assets | $76,524,333 | 4,219 |
| Average equity | $13,944,000 | 3,775 |
| Average total loans | $40,995,000 | 4,337 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1748% | 3,307 |
| Cost of funding earning assets | 0.4148% | 4,310 |
| Net interest margin | 3.7600% | 2,112 |
| Noninterest income to average assets | 0.3762% | 3,261 |
| Noninterest expense to average assets | 2.1106% | 4,195 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.9121% | 329 |
| Return on assets (ROA) | 1.9121% | 358 |
| Pretax return on assets | 1.9121% | 556 |
| Return on Equity (ROE) | 10.5761% | 1,543 |
| Retained earnings to average equity (ytd only) | 4.5945% | 2,458 |
| Net charge-offs to loans | 0.0098% | 2,221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 366.0000% | 187 |
| Efficiency ratio | 52.4675% | 4,520 |
| Assets per employee ($millions) | 5.4409% | 2,182 |
| Cash dividends to net income (ytd only)* | 56.5574% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9712% | 3,839 |
| Loan loss allowance to noncurrent loans | 31.6165% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.6568% | 603 |
| Noncurrent loans to loans | 3.0719% | 340 |
| Net loans and leases to total assets | 53.4094% | 4,031 |
| Net loans and leases to deposits | 65.3983% | 3,902 |
| Net loans and leases to core deposits | 66.5701% | 4,049 |
| Total domestic deposits to total assets | 81.6678% | 3,506 |
| Equity capital to assets | 18.2771% | 335 |
| Core capital (leverage) ratio | 18.3155% | 320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,565,000 | 4,308 |
| Average earning assets | $74,255,000 | 4,254 |
| Average equity | $13,842,500 | 3,791 |
| Average total loans | $40,919,500 | 4,355 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4868% | 2,990 |
| Cost of funding earning assets | 0.3943% | 4,457 |
| Net interest margin | 4.0925% | 1,563 |
| Noninterest income to average assets | 0.3668% | 3,503 |
| Noninterest expense to average assets | 2.2303% | 4,104 |
| Loan and lease loss provision to assets | 0.3513% | 434 |
| Net operating income to assets | 1.7657% | 571 |
| Return on assets (ROA) | 1.7657% | 603 |
| Pretax return on assets | 1.7657% | 1,031 |
| Return on Equity (ROE) | 10.1938% | 2,205 |
| Retained earnings to average equity (ytd only) | 5.2455% | 2,290 |
| Net charge-offs to loans | 0.6180% | 298 |
| Credit loss provision to net charge-offs | 110.0806% | 2,265 |
| Earnings coverage of net charge-offs (x) | 6.6331% | 2,956 |
| Efficiency ratio | 51.3025% | 4,650 |
| Assets per employee ($millions) | 5.4970% | 2,064 |
| Cash dividends to net income (ytd only)* | 48.5423% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 3,604 |
| Loan loss allowance to noncurrent loans | 33.4448% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.5541% | 639 |
| Noncurrent loans to loans | 2.9345% | 330 |
| Net loans and leases to total assets | 52.4403% | 4,189 |
| Net loans and leases to deposits | 63.8985% | 4,080 |
| Net loans and leases to core deposits | 65.0217% | 4,232 |
| Total domestic deposits to total assets | 82.0681% | 3,497 |
| Equity capital to assets | 17.8838% | 378 |
| Core capital (leverage) ratio | 17.6074% | 366 |
| Tier 1 risk-based capital ratio | 31.7889% | 425 |
| Total risk-based capital ratio | 32.7128% | 426 |
| Memoranda: | ||
| Average total assets | $77,703,400 | 4,327 |
| Average earning assets | $75,577,600 | 4,261 |
| Average equity | $13,459,200 | 3,826 |
| Average total loans | $40,131,600 | 4,395 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 3,112 |
| Cost of funding earning assets | 0.3836% | 4,552 |
| Net interest margin | 4.0997% | 1,611 |
| Noninterest income to average assets | 0.3629% | 3,548 |
| Noninterest expense to average assets | 1.9634% | 4,620 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.3879% | 194 |
| Return on assets (ROA) | 2.3879% | 202 |
| Pretax return on assets | 2.3879% | 313 |
| Return on Equity (ROE) | 13.8976% | 1,005 |
| Retained earnings to average equity (ytd only) | 7.2627% | 1,731 |
| Net charge-offs to loans | 0.0200% | 2,710 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 232.4938% | 396 |
| Efficiency ratio | 45.1220% | 4,969 |
| Assets per employee ($millions) | 5.6525% | 1,886 |
| Cash dividends to net income (ytd only)* | 47.7421% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 3,886 |
| Loan loss allowance to noncurrent loans | 26.5659% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.7552% | 569 |
| Noncurrent loans to loans | 3.5283% | 226 |
| Net loans and leases to total assets | 49.2803% | 4,464 |
| Net loans and leases to deposits | 59.7350% | 4,394 |
| Net loans and leases to core deposits | 60.7474% | 4,507 |
| Total domestic deposits to total assets | 82.4983% | 3,317 |
| Equity capital to assets | 17.4196% | 449 |
| Core capital (leverage) ratio | 18.0654% | 345 |
| Tier 1 risk-based capital ratio | 33.1561% | 393 |
| Total risk-based capital ratio | 34.0437% | 398 |
| Memoranda: | ||
| Average total assets | $77,889,750 | 4,375 |
| Average earning assets | $75,776,000 | 4,310 |
| Average equity | $13,383,250 | 3,870 |
| Average total loans | $39,975,250 | 4,460 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5474% | 2,858 |
| Cost of funding earning assets | 0.3710% | 4,615 |
| Net interest margin | 4.1764% | 1,419 |
| Noninterest income to average assets | 0.3537% | 3,573 |
| Noninterest expense to average assets | 1.9516% | 4,682 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.4705% | 162 |
| Return on assets (ROA) | 2.4705% | 165 |
| Pretax return on assets | 2.4705% | 254 |
| Return on Equity (ROE) | 14.4460% | 884 |
| Retained earnings to average equity (ytd only) | 6.0531% | 2,261 |
| Net charge-offs to loans | 0.0299% | 2,259 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 159.5000% | 471 |
| Efficiency ratio | 44.1331% | 5,060 |
| Assets per employee ($millions) | 5.3553% | 2,101 |
| Cash dividends to net income (ytd only)* | 58.0982% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9455% | 3,893 |
| Loan loss allowance to noncurrent loans | 93.1818% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.5282% | 2,443 |
| Noncurrent loans to loans | 1.0146% | 1,619 |
| Net loans and leases to total assets | 51.5645% | 4,383 |
| Net loans and leases to deposits | 62.8925% | 4,283 |
| Net loans and leases to core deposits | 64.0236% | 4,413 |
| Total domestic deposits to total assets | 81.9884% | 3,513 |
| Equity capital to assets | 17.9489% | 387 |
| Core capital (leverage) ratio | 17.7416% | 359 |
| Tier 1 risk-based capital ratio | 34.2592% | 359 |
| Total risk-based capital ratio | 35.1986% | 357 |
| Memoranda: | ||
| Average total assets | $77,474,670 | 4,416 |
| Average earning assets | $75,472,000 | 4,341 |
| Average equity | $13,249,330 | 3,893 |
| Average total loans | $40,178,000 | 4,493 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5779% | 2,614 |
| Cost of funding earning assets | 0.3433% | 4,702 |
| Net interest margin | 4.2345% | 1,229 |
| Noninterest income to average assets | 0.3455% | 3,548 |
| Noninterest expense to average assets | 1.8647% | 4,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.6167% | 136 |
| Return on assets (ROA) | 2.6167% | 144 |
| Pretax return on assets | 2.6167% | 206 |
| Return on Equity (ROE) | 15.6708% | 639 |
| Retained earnings to average equity (ytd only) | 5.4163% | 2,727 |
| Net charge-offs to loans | 0.0098% | 2,338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 515.0000% | 144 |
| Efficiency ratio | 41.6100% | 5,172 |
| Assets per employee ($millions) | 5.4681% | 2,011 |
| Cash dividends to net income (ytd only)* | 65.4369% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 4,214 |
| Loan loss allowance to noncurrent loans | 132.1555% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 3,115 |
| Noncurrent loans to loans | 0.6709% | 2,337 |
| Net loans and leases to total assets | 54.6118% | 4,162 |
| Net loans and leases to deposits | 66.0636% | 4,045 |
| Net loans and leases to core deposits | 67.6565% | 4,201 |
| Total domestic deposits to total assets | 82.6656% | 3,516 |
| Equity capital to assets | 17.2874% | 420 |
| Core capital (leverage) ratio | 17.0574% | 418 |
| Tier 1 risk-based capital ratio | 31.7720% | 418 |
| Total risk-based capital ratio | 32.6699% | 424 |
| Memoranda: | ||
| Average total assets | $78,725,000 | 4,438 |
| Average earning assets | $76,891,500 | 4,358 |
| Average equity | $13,145,500 | 3,924 |
| Average total loans | $40,752,500 | 4,518 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3971% | 2,770 |
| Cost of funding earning assets | 0.3116% | 4,508 |
| Net interest margin | 4.0855% | 1,729 |
| Noninterest income to average assets | 0.4167% | 3,334 |
| Noninterest expense to average assets | 2.1977% | 4,344 |
| Loan and lease loss provision to assets | 0.0670% | 2,813 |
| Net operating income to assets | 2.1333% | 282 |
| Return on assets (ROA) | 2.1333% | 275 |
| Pretax return on assets | 2.1333% | 409 |
| Return on Equity (ROE) | 12.9726% | 1,364 |
| Retained earnings to average equity (ytd only) | 7.4415% | 1,485 |
| Net charge-offs to loans | 0.0027% | 3,642 |
| Credit loss provision to net charge-offs | 5,100.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 1,674.0000% | 66 |
| Efficiency ratio | 49.9701% | 4,942 |
| Assets per employee ($millions) | 5.7784% | 1,693 |
| Cash dividends to net income (ytd only)* | 42.6371% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 3,941 |
| Loan loss allowance to noncurrent loans | 136.8613% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.3572% | 3,114 |
| Noncurrent loans to loans | 0.6968% | 2,248 |
| Net loans and leases to total assets | 48.1464% | 4,625 |
| Net loans and leases to deposits | 57.4342% | 4,597 |
| Net loans and leases to core deposits | 58.7218% | 4,679 |
| Total domestic deposits to total assets | 83.8288% | 3,052 |
| Equity capital to assets | 16.1403% | 517 |
| Core capital (leverage) ratio | 15.9793% | 514 |
| Tier 1 risk-based capital ratio | 30.9951% | 425 |
| Total risk-based capital ratio | 31.8853% | 438 |
| Memoranda: | ||
| Average total assets | $76,079,800 | 4,498 |
| Average earning assets | $74,139,600 | 4,418 |
| Average equity | $12,511,000 | 3,956 |
| Average total loans | $36,846,800 | 4,638 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3958% | 2,639 |
| Cost of funding earning assets | 0.3092% | 4,461 |
| Net interest margin | 4.0866% | 1,667 |
| Noninterest income to average assets | 0.4292% | 3,292 |
| Noninterest expense to average assets | 1.9819% | 4,775 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.4253% | 177 |
| Return on assets (ROA) | 2.4253% | 178 |
| Pretax return on assets | 2.4253% | 266 |
| Return on Equity (ROE) | 14.6749% | 941 |
| Retained earnings to average equity (ytd only) | 7.2190% | 2,013 |
| Net charge-offs to loans | 0.0074% | 3,157 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 680.1311% | 128 |
| Efficiency ratio | 44.9697% | 5,187 |
| Assets per employee ($millions) | 5.4204% | 1,995 |
| Cash dividends to net income (ytd only)* | 50.8076% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 4,567 |
| Loan loss allowance to noncurrent loans | 239.2593% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 3,856 |
| Noncurrent loans to loans | 0.3400% | 3,439 |
| Net loans and leases to total assets | 51.9009% | 4,489 |
| Net loans and leases to deposits | 62.4643% | 4,426 |
| Net loans and leases to core deposits | 63.9699% | 4,517 |
| Total domestic deposits to total assets | 83.0889% | 3,277 |
| Equity capital to assets | 16.8610% | 429 |
| Core capital (leverage) ratio | 17.2145% | 394 |
| Tier 1 risk-based capital ratio | 31.5451% | 413 |
| Total risk-based capital ratio | 32.3414% | 426 |
| Memoranda: | ||
| Average total assets | $74,875,500 | 4,563 |
| Average earning assets | $72,886,000 | 4,486 |
| Average equity | $12,374,500 | 4,006 |
| Average total loans | $36,227,500 | 4,702 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3181% | 2,701 |
| Cost of funding earning assets | 0.3031% | 4,392 |
| Net interest margin | 4.0149% | 1,811 |
| Noninterest income to average assets | 0.4239% | 3,328 |
| Noninterest expense to average assets | 1.9909% | 4,814 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.3424% | 190 |
| Return on assets (ROA) | 2.3424% | 186 |
| Pretax return on assets | 2.3424% | 307 |
| Return on Equity (ROE) | 14.2713% | 1,018 |
| Retained earnings to average equity (ytd only) | 4.6754% | 3,248 |
| Net charge-offs to loans | 0.0057% | 2,951 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 873.0000% | 92 |
| Efficiency ratio | 45.9443% | 5,210 |
| Assets per employee ($millions) | 5.2781% | 2,123 |
| Cash dividends to net income (ytd only)* | 67.2394% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 4,547 |
| Loan loss allowance to noncurrent loans | 771.4286% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 4,517 |
| Noncurrent loans to loans | 0.1103% | 4,414 |
| Net loans and leases to total assets | 51.0705% | 4,540 |
| Net loans and leases to deposits | 61.4105% | 4,456 |
| Net loans and leases to core deposits | 62.9271% | 4,560 |
| Total domestic deposits to total assets | 83.1624% | 3,363 |
| Equity capital to assets | 16.7957% | 420 |
| Core capital (leverage) ratio | 16.8756% | 410 |
| Tier 1 risk-based capital ratio | 31.2085% | 437 |
| Total risk-based capital ratio | 32.0232% | 446 |
| Memoranda: | ||
| Average total assets | $74,539,000 | 4,619 |
| Average earning assets | $72,579,000 | 4,537 |
| Average equity | $12,234,330 | 4,049 |
| Average total loans | $35,067,330 | 4,780 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2241% | 2,807 |
| Cost of funding earning assets | 0.2970% | 4,373 |
| Net interest margin | 3.9271% | 1,940 |
| Noninterest income to average assets | 0.4221% | 3,302 |
| Noninterest expense to average assets | 2.0090% | 4,831 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.2281% | 235 |
| Return on assets (ROA) | 2.2281% | 234 |
| Pretax return on assets | 2.2281% | 357 |
| Return on Equity (ROE) | 13.7329% | 1,074 |
| Retained earnings to average equity (ytd only) | 1.3832% | 4,521 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4149% | 5,217 |
| Assets per employee ($millions) | 5.3214% | 2,121 |
| Cash dividends to net income (ytd only)* | 89.9281% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 4,182 |
| Loan loss allowance to noncurrent loans | 290.1786% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 4,129 |
| Noncurrent loans to loans | 0.3302% | 3,585 |
| Net loans and leases to total assets | 45.0865% | 4,846 |
| Net loans and leases to deposits | 53.9141% | 4,799 |
| Net loans and leases to core deposits | 54.8284% | 4,886 |
| Total domestic deposits to total assets | 83.6266% | 3,460 |
| Equity capital to assets | 16.3318% | 462 |
| Core capital (leverage) ratio | 16.4257% | 440 |
| Tier 1 risk-based capital ratio | 32.5077% | 393 |
| Total risk-based capital ratio | 33.3761% | 396 |
| Memoranda: | ||
| Average total assets | $74,861,500 | 4,660 |
| Average earning assets | $72,726,000 | 4,581 |
| Average equity | $12,146,000 | 4,094 |
| Average total loans | $33,570,000 | 4,876 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1855% | 2,741 |
| Cost of funding earning assets | 0.3111% | 4,028 |
| Net interest margin | 3.8744% | 2,169 |
| Noninterest income to average assets | 0.4247% | 3,477 |
| Noninterest expense to average assets | 2.2115% | 4,501 |
| Loan and lease loss provision to assets | 0.0770% | 2,661 |
| Net operating income to assets | 1.9022% | 337 |
| Return on assets (ROA) | 1.9022% | 347 |
| Pretax return on assets | 1.9022% | 600 |
| Return on Equity (ROE) | 11.8831% | 1,241 |
| Retained earnings to average equity (ytd only) | 7.2123% | 1,006 |
| Net charge-offs to loans | -0.0063% | 4,687 |
| Credit loss provision to net charge-offs | -2,800.0000% | 5,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7714% | 5,056 |
| Assets per employee ($millions) | 5.0149% | 2,457 |
| Cash dividends to net income (ytd only)* | 39.3064% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 4,059 |
| Loan loss allowance to noncurrent loans | 984.8485% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 4,702 |
| Noncurrent loans to loans | 0.0993% | 4,543 |
| Net loans and leases to total assets | 43.7374% | 4,988 |
| Net loans and leases to deposits | 52.1617% | 4,977 |
| Net loans and leases to core deposits | 53.0328% | 5,042 |
| Total domestic deposits to total assets | 83.8496% | 3,258 |
| Equity capital to assets | 16.1185% | 501 |
| Core capital (leverage) ratio | 16.2629% | 441 |
| Tier 1 risk-based capital ratio | 32.8120% | 376 |
| Total risk-based capital ratio | 33.6914% | 379 |
| Memoranda: | ||
| Average total assets | $72,756,400 | 4,728 |
| Average earning assets | $70,720,000 | 4,654 |
| Average equity | $11,646,800 | 4,197 |
| Average total loans | $31,716,000 | 4,978 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1779% | 2,692 |
| Cost of funding earning assets | 0.3123% | 4,002 |
| Net interest margin | 3.8656% | 2,163 |
| Noninterest income to average assets | 0.4177% | 3,571 |
| Noninterest expense to average assets | 2.0330% | 4,887 |
| Loan and lease loss provision to assets | 0.0610% | 2,858 |
| Net operating income to assets | 2.0756% | 274 |
| Return on assets (ROA) | 2.0756% | 281 |
| Pretax return on assets | 2.0756% | 470 |
| Return on Equity (ROE) | 12.9892% | 1,060 |
| Retained earnings to average equity (ytd only) | 6.6970% | 1,843 |
| Net charge-offs to loans | -0.0213% | 4,869 |
| Credit loss provision to net charge-offs | -660.0000% | 4,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7589% | 5,308 |
| Assets per employee ($millions) | 5.2495% | 2,173 |
| Cash dividends to net income (ytd only)* | 48.4419% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 4,463 |
| Loan loss allowance to noncurrent loans | 396.1039% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 4,532 |
| Noncurrent loans to loans | 0.2323% | 4,136 |
| Net loans and leases to total assets | 44.6941% | 4,998 |
| Net loans and leases to deposits | 53.3317% | 4,991 |
| Net loans and leases to core deposits | 54.2415% | 5,064 |
| Total domestic deposits to total assets | 83.8039% | 3,193 |
| Equity capital to assets | 16.1430% | 513 |
| Core capital (leverage) ratio | 16.3734% | 449 |
| Tier 1 risk-based capital ratio | 32.8088% | 393 |
| Total risk-based capital ratio | 33.6523% | 392 |
| Memoranda: | ||
| Average total assets | $72,139,500 | 4,788 |
| Average earning assets | $70,018,250 | 4,715 |
| Average equity | $11,527,250 | 4,265 |
| Average total loans | $31,338,500 | 5,037 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1451% | 2,692 |
| Cost of funding earning assets | 0.3162% | 3,919 |
| Net interest margin | 3.8289% | 2,178 |
| Noninterest income to average assets | 0.4213% | 3,550 |
| Noninterest expense to average assets | 2.0422% | 4,893 |
| Loan and lease loss provision to assets | 0.0921% | 2,149 |
| Net operating income to assets | 2.0031% | 305 |
| Return on assets (ROA) | 2.0031% | 312 |
| Pretax return on assets | 2.0031% | 524 |
| Return on Equity (ROE) | 12.5799% | 1,148 |
| Retained earnings to average equity (ytd only) | 4.8883% | 2,786 |
| Net charge-offs to loans | -0.0260% | 4,891 |
| Credit loss provision to net charge-offs | -825.0000% | 4,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3594% | 5,338 |
| Assets per employee ($millions) | 5.1231% | 2,242 |
| Cash dividends to net income (ytd only)* | 61.1421% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9498% | 4,421 |
| Loan loss allowance to noncurrent loans | 844.4444% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 4,821 |
| Noncurrent loans to loans | 0.1125% | 4,672 |
| Net loans and leases to total assets | 44.2028% | 5,031 |
| Net loans and leases to deposits | 52.7258% | 5,026 |
| Net loans and leases to core deposits | 53.6465% | 5,101 |
| Total domestic deposits to total assets | 83.8353% | 3,265 |
| Equity capital to assets | 16.1243% | 523 |
| Core capital (leverage) ratio | 16.2608% | 442 |
| Tier 1 risk-based capital ratio | 32.3814% | 390 |
| Total risk-based capital ratio | 33.2325% | 397 |
| Memoranda: | ||
| Average total assets | $71,688,330 | 4,831 |
| Average earning assets | $69,575,670 | 4,755 |
| Average equity | $11,415,000 | 4,290 |
| Average total loans | $30,734,000 | 5,089 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1101% | 2,617 |
| Cost of funding earning assets | 0.3100% | 3,939 |
| Net interest margin | 3.8001% | 2,112 |
| Noninterest income to average assets | 0.4521% | 3,300 |
| Noninterest expense to average assets | 2.0817% | 4,887 |
| Loan and lease loss provision to assets | 0.1842% | 931 |
| Net operating income to assets | 1.8808% | 381 |
| Return on assets (ROA) | 1.8808% | 396 |
| Pretax return on assets | 1.8808% | 672 |
| Return on Equity (ROE) | 11.8871% | 1,271 |
| Retained earnings to average equity (ytd only) | 3.8448% | 3,532 |
| Net charge-offs to loans | -0.0399% | 5,076 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2019% | 5,365 |
| Assets per employee ($millions) | 5.5492% | 1,838 |
| Cash dividends to net income (ytd only)* | 67.6558% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 4,208 |
| Loan loss allowance to noncurrent loans | 99.3443% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 3,351 |
| Noncurrent loans to loans | 1.0180% | 2,016 |
| Net loans and leases to total assets | 41.1103% | 5,202 |
| Net loans and leases to deposits | 48.8471% | 5,181 |
| Net loans and leases to core deposits | 49.6875% | 5,235 |
| Total domestic deposits to total assets | 84.1614% | 3,415 |
| Equity capital to assets | 15.7957% | 525 |
| Core capital (leverage) ratio | 16.2098% | 436 |
| Tier 1 risk-based capital ratio | 32.9307% | 380 |
| Total risk-based capital ratio | 33.8063% | 385 |
| Memoranda: | ||
| Average total assets | $71,670,500 | 4,877 |
| Average earning assets | $69,682,000 | 4,791 |
| Average equity | $11,340,000 | 4,328 |
| Average total loans | $30,097,000 | 5,156 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8294% | 3,809 |
| Cost of funding earning assets | 0.3120% | 3,928 |
| Net interest margin | 3.5174% | 3,367 |
| Noninterest income to average assets | 0.4776% | 3,363 |
| Noninterest expense to average assets | 2.3964% | 4,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5016% | 826 |
| Return on assets (ROA) | 1.5016% | 848 |
| Pretax return on assets | 1.5016% | 1,578 |
| Return on Equity (ROE) | 9.7228% | 2,093 |
| Retained earnings to average equity (ytd only) | 5.1934% | 2,208 |
| Net charge-offs to loans | 0.0286% | 3,447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 133.6250% | 469 |
| Efficiency ratio | 61.4775% | 4,342 |
| Assets per employee ($millions) | 5.4770% | 1,882 |
| Cash dividends to net income (ytd only)* | 46.5856% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 4,852 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 5,187 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 42.0879% | 5,227 |
| Net loans and leases to deposits | 50.0861% | 5,207 |
| Net loans and leases to core deposits | 50.9574% | 5,269 |
| Total domestic deposits to total assets | 84.0311% | 3,409 |
| Equity capital to assets | 15.8495% | 516 |
| Core capital (leverage) ratio | 16.0707% | 453 |
| Tier 1 risk-based capital ratio | 33.1785% | 372 |
| Total risk-based capital ratio | 33.9635% | 379 |
| Memoranda: | ||
| Average total assets | $71,190,400 | 4,908 |
| Average earning assets | $69,228,200 | 4,820 |
| Average equity | $10,994,800 | 4,425 |
| Average total loans | $27,953,000 | 5,271 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8592% | 3,736 |
| Cost of funding earning assets | 0.3083% | 4,005 |
| Net interest margin | 3.5509% | 3,265 |
| Noninterest income to average assets | 0.4757% | 3,403 |
| Noninterest expense to average assets | 2.1258% | 4,952 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.8018% | 491 |
| Return on assets (ROA) | 1.8018% | 519 |
| Pretax return on assets | 1.8018% | 896 |
| Return on Equity (ROE) | 11.7433% | 1,405 |
| Retained earnings to average equity (ytd only) | 5.6641% | 2,382 |
| Net charge-offs to loans | 0.0341% | 2,955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 137.4737% | 503 |
| Efficiency ratio | 54.1249% | 5,233 |
| Assets per employee ($millions) | 4.6597% | 2,820 |
| Cash dividends to net income (ytd only)* | 51.7671% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 4,343 |
| Loan loss allowance to noncurrent loans | 515.3846% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 4,953 |
| Noncurrent loans to loans | 0.1960% | 4,567 |
| Net loans and leases to total assets | 37.5744% | 5,488 |
| Net loans and leases to deposits | 44.7761% | 5,490 |
| Net loans and leases to core deposits | 45.5678% | 5,527 |
| Total domestic deposits to total assets | 83.9161% | 3,233 |
| Equity capital to assets | 15.9923% | 554 |
| Core capital (leverage) ratio | 16.0802% | 459 |
| Tier 1 risk-based capital ratio | 36.5211% | 305 |
| Total risk-based capital ratio | 37.3967% | 309 |
| Memoranda: | ||
| Average total assets | $71,187,750 | 4,951 |
| Average earning assets | $69,201,000 | 4,861 |
| Average equity | $10,922,250 | 4,478 |
| Average total loans | $27,382,750 | 5,339 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8930% | 3,631 |
| Cost of funding earning assets | 0.3105% | 4,012 |
| Net interest margin | 3.5825% | 3,167 |
| Noninterest income to average assets | 0.4859% | 3,292 |
| Noninterest expense to average assets | 2.1447% | 4,965 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8208% | 461 |
| Return on assets (ROA) | 1.8208% | 486 |
| Pretax return on assets | 1.8208% | 845 |
| Return on Equity (ROE) | 12.0329% | 1,309 |
| Retained earnings to average equity (ytd only) | 4.5585% | 3,008 |
| Net charge-offs to loans | -0.0072% | 4,616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0845% | 5,301 |
| Assets per employee ($millions) | 4.3226% | 3,330 |
| Cash dividends to net income (ytd only)* | 62.1166% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 4,638 |
| Loan loss allowance to noncurrent loans | 890.3226% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 5,168 |
| Noncurrent loans to loans | 0.1096% | 5,008 |
| Net loans and leases to total assets | 40.4919% | 5,398 |
| Net loans and leases to deposits | 48.1641% | 5,416 |
| Net loans and leases to core deposits | 49.0215% | 5,465 |
| Total domestic deposits to total assets | 84.0707% | 3,235 |
| Equity capital to assets | 15.8483% | 571 |
| Core capital (leverage) ratio | 15.8761% | 481 |
| Tier 1 risk-based capital ratio | 33.7542% | 368 |
| Total risk-based capital ratio | 34.6041% | 371 |
| Memoranda: | ||
| Average total assets | $71,618,330 | 4,991 |
| Average earning assets | $69,560,670 | 4,897 |
| Average equity | $10,837,000 | 4,521 |
| Average total loans | $27,666,670 | 5,385 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9057% | 3,574 |
| Cost of funding earning assets | 0.3161% | 3,994 |
| Net interest margin | 3.5896% | 3,123 |
| Noninterest income to average assets | 0.4558% | 3,444 |
| Noninterest expense to average assets | 2.0701% | 5,178 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8779% | 415 |
| Return on assets (ROA) | 1.8779% | 441 |
| Pretax return on assets | 1.8779% | 725 |
| Return on Equity (ROE) | 12.6961% | 1,107 |
| Retained earnings to average equity (ytd only) | 4.5290% | 3,219 |
| Net charge-offs to loans | -0.0146% | 4,698 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4339% | 5,485 |
| Assets per employee ($millions) | 4.4329% | 3,199 |
| Cash dividends to net income (ytd only)* | 64.3275% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 4,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 5,451 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 38.4020% | 5,537 |
| Net loans and leases to deposits | 45.3632% | 5,544 |
| Net loans and leases to core deposits | 46.1441% | 5,582 |
| Total domestic deposits to total assets | 84.6544% | 3,255 |
| Equity capital to assets | 15.2779% | 639 |
| Core capital (leverage) ratio | 15.0166% | 602 |
| Tier 1 risk-based capital ratio | 34.8402% | 337 |
| Total risk-based capital ratio | 35.7276% | 346 |
| Memoranda: | ||
| Average total assets | $72,846,500 | 5,003 |
| Average earning assets | $70,871,000 | 4,903 |
| Average equity | $10,775,000 | 4,543 |
| Average total loans | $27,359,500 | 5,435 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5917% | 4,701 |
| Cost of funding earning assets | 0.3304% | 3,905 |
| Net interest margin | 3.2613% | 4,434 |
| Noninterest income to average assets | 0.4438% | 3,720 |
| Noninterest expense to average assets | 2.3114% | 4,753 |
| Loan and lease loss provision to assets | 0.0352% | 3,640 |
| Net operating income to assets | 1.2790% | 1,323 |
| Return on assets (ROA) | 1.2790% | 1,365 |
| Pretax return on assets | 1.2790% | 2,363 |
| Return on Equity (ROE) | 9.3996% | 2,273 |
| Retained earnings to average equity (ytd only) | 6.4071% | 1,596 |
| Net charge-offs to loans | 0.0079% | 4,165 |
| Credit loss provision to net charge-offs | 1,350.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 503.5000% | 130 |
| Efficiency ratio | 63.7509% | 4,320 |
| Assets per employee ($millions) | 4.3981% | 3,221 |
| Cash dividends to net income (ytd only)* | 31.8367% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 4,539 |
| Loan loss allowance to noncurrent loans | 1,617.6471% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 5,388 |
| Noncurrent loans to loans | 0.0625% | 5,267 |
| Net loans and leases to total assets | 36.0199% | 5,707 |
| Net loans and leases to deposits | 42.0600% | 5,708 |
| Net loans and leases to core deposits | 43.0772% | 5,741 |
| Total domestic deposits to total assets | 85.6394% | 2,792 |
| Equity capital to assets | 14.3299% | 822 |
| Core capital (leverage) ratio | 14.3212% | 751 |
| Tier 1 risk-based capital ratio | 34.3353% | 352 |
| Total risk-based capital ratio | 35.2166% | 360 |
| Memoranda: | ||
| Average total assets | $76,619,600 | 4,935 |
| Average earning assets | $74,756,600 | 4,839 |
| Average equity | $10,426,000 | 4,582 |
| Average total loans | $25,443,400 | 5,537 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5506% | 4,865 |
| Cost of funding earning assets | 0.3370% | 3,900 |
| Net interest margin | 3.2137% | 4,631 |
| Noninterest income to average assets | 0.4376% | 3,815 |
| Noninterest expense to average assets | 1.9303% | 5,596 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6415% | 698 |
| Return on assets (ROA) | 1.6415% | 724 |
| Pretax return on assets | 1.6415% | 1,262 |
| Return on Equity (ROE) | 12.2204% | 1,312 |
| Retained earnings to average equity (ytd only) | 8.2027% | 1,164 |
| Net charge-offs to loans | 0.0107% | 3,803 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 473.8951% | 152 |
| Efficiency ratio | 54.0436% | 5,512 |
| Assets per employee ($millions) | 4.4192% | 3,145 |
| Cash dividends to net income (ytd only)* | 32.8768% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9300% | 5,068 |
| Loan loss allowance to noncurrent loans | 3,542.8571% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 5,572 |
| Noncurrent loans to loans | 0.0262% | 5,529 |
| Net loans and leases to total assets | 35.1658% | 5,810 |
| Net loans and leases to deposits | 41.0303% | 5,833 |
| Net loans and leases to core deposits | 42.0163% | 5,855 |
| Total domestic deposits to total assets | 85.7069% | 2,687 |
| Equity capital to assets | 14.2199% | 940 |
| Core capital (leverage) ratio | 14.0348% | 853 |
| Tier 1 risk-based capital ratio | 34.1965% | 374 |
| Total risk-based capital ratio | 34.9904% | 382 |
| Memoranda: | ||
| Average total assets | $77,082,750 | 4,979 |
| Average earning assets | $75,177,250 | 4,891 |
| Average equity | $10,354,000 | 4,642 |
| Average total loans | $25,002,750 | 5,615 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4893% | 5,015 |
| Cost of funding earning assets | 0.3429% | 3,888 |
| Net interest margin | 3.1464% | 4,839 |
| Noninterest income to average assets | 0.4142% | 3,973 |
| Noninterest expense to average assets | 1.9168% | 5,681 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5669% | 799 |
| Return on assets (ROA) | 1.5669% | 829 |
| Pretax return on assets | 1.5669% | 1,435 |
| Return on Equity (ROE) | 11.8895% | 1,404 |
| Retained earnings to average equity (ytd only) | 7.3602% | 1,537 |
| Net charge-offs to loans | 0.0164% | 3,382 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 304.5000% | 226 |
| Efficiency ratio | 55.0222% | 5,507 |
| Assets per employee ($millions) | 4.5630% | 2,880 |
| Cash dividends to net income (ytd only)* | 38.0952% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 4,959 |
| Loan loss allowance to noncurrent loans | 79.7428% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4409% | 4,164 |
| Noncurrent loans to loans | 1.2305% | 2,196 |
| Net loans and leases to total assets | 32.2621% | 5,963 |
| Net loans and leases to deposits | 37.2966% | 5,994 |
| Net loans and leases to core deposits | 37.8660% | 6,028 |
| Total domestic deposits to total assets | 86.5014% | 2,440 |
| Equity capital to assets | 13.4367% | 1,199 |
| Core capital (leverage) ratio | 13.5522% | 972 |
| Tier 1 risk-based capital ratio | 32.9082% | 429 |
| Total risk-based capital ratio | 33.6912% | 435 |
| Memoranda: | ||
| Average total assets | $77,734,670 | 5,024 |
| Average earning assets | $75,832,330 | 4,930 |
| Average equity | $10,244,330 | 4,693 |
| Average total loans | $24,448,000 | 5,688 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4956% | 4,984 |
| Cost of funding earning assets | 0.3527% | 3,829 |
| Net interest margin | 3.1428% | 4,810 |
| Noninterest income to average assets | 0.4061% | 3,953 |
| Noninterest expense to average assets | 1.9842% | 5,610 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4907% | 862 |
| Return on assets (ROA) | 1.4907% | 919 |
| Pretax return on assets | 1.4907% | 1,594 |
| Return on Equity (ROE) | 11.4229% | 1,511 |
| Retained earnings to average equity (ytd only) | 8.5869% | 1,345 |
| Net charge-offs to loans | 0.0333% | 2,536 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 363 |
| Efficiency ratio | 57.1006% | 5,431 |
| Assets per employee ($millions) | 4.5335% | 2,996 |
| Cash dividends to net income (ytd only)* | 24.8276% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 4,987 |
| Loan loss allowance to noncurrent loans | 1,653.3333% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 5,696 |
| Noncurrent loans to loans | 0.0608% | 5,536 |
| Net loans and leases to total assets | 31.6920% | 6,009 |
| Net loans and leases to deposits | 36.5918% | 6,040 |
| Net loans and leases to core deposits | 37.6018% | 6,056 |
| Total domestic deposits to total assets | 86.6096% | 2,598 |
| Equity capital to assets | 13.3178% | 1,253 |
| Core capital (leverage) ratio | 13.3358% | 1,040 |
| Tier 1 risk-based capital ratio | 33.3366% | 413 |
| Total risk-based capital ratio | 34.1421% | 425 |
| Memoranda: | ||
| Average total assets | $77,816,500 | 5,076 |
| Average earning assets | $75,982,000 | 4,972 |
| Average equity | $10,155,000 | 4,746 |
| Average total loans | $24,035,000 | 5,746 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7276% | 4,709 |
| Cost of funding earning assets | 0.3974% | 3,719 |
| Net interest margin | 3.3302% | 4,474 |
| Noninterest income to average assets | 0.4896% | 3,586 |
| Noninterest expense to average assets | 2.4070% | 4,825 |
| Loan and lease loss provision to assets | 0.0028% | 4,544 |
| Net operating income to assets | 1.3270% | 1,240 |
| Return on assets (ROA) | 1.3270% | 1,291 |
| Pretax return on assets | 1.3270% | 2,152 |
| Return on Equity (ROE) | 9.5674% | 2,306 |
| Retained earnings to average equity (ytd only) | 5.1060% | 2,522 |
| Net charge-offs to loans | 0.0086% | 4,742 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 468.5000% | 108 |
| Efficiency ratio | 64.4132% | 4,528 |
| Assets per employee ($millions) | 4.6214% | 2,839 |
| Cash dividends to net income (ytd only)* | 46.6310% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 4,706 |
| Loan loss allowance to noncurrent loans | 2,272.7273% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 5,803 |
| Noncurrent loans to loans | 0.0470% | 5,692 |
| Net loans and leases to total assets | 29.4630% | 6,191 |
| Net loans and leases to deposits | 33.7972% | 6,224 |
| Net loans and leases to core deposits | 34.7031% | 6,228 |
| Total domestic deposits to total assets | 87.1759% | 2,181 |
| Equity capital to assets | 12.7872% | 1,476 |
| Core capital (leverage) ratio | 13.3963% | 1,003 |
| Tier 1 risk-based capital ratio | 34.7853% | 346 |
| Total risk-based capital ratio | 35.6510% | 352 |
| Memoranda: | ||
| Average total assets | $70,460,200 | 5,270 |
| Average earning assets | $68,704,000 | 5,155 |
| Average equity | $9,772,800 | 4,794 |
| Average total loans | $23,190,000 | 5,846 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8107% | 4,502 |
| Cost of funding earning assets | 0.4056% | 3,719 |
| Net interest margin | 3.4050% | 4,223 |
| Noninterest income to average assets | 0.5066% | 3,499 |
| Noninterest expense to average assets | 2.2425% | 5,246 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5840% | 782 |
| Return on assets (ROA) | 1.5840% | 811 |
| Pretax return on assets | 1.5840% | 1,375 |
| Return on Equity (ROE) | 11.1698% | 1,730 |
| Retained earnings to average equity (ytd only) | 5.1796% | 2,970 |
| Net charge-offs to loans | 0.0057% | 4,493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 815.0150% | 89 |
| Efficiency ratio | 58.6049% | 5,363 |
| Assets per employee ($millions) | 3.9858% | 3,927 |
| Cash dividends to net income (ytd only)* | 53.6288% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 4,751 |
| Loan loss allowance to noncurrent loans | 1,082.6087% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 5,858 |
| Noncurrent loans to loans | 0.1015% | 5,632 |
| Net loans and leases to total assets | 31.2291% | 6,214 |
| Net loans and leases to deposits | 36.2769% | 6,235 |
| Net loans and leases to core deposits | 37.1719% | 6,257 |
| Total domestic deposits to total assets | 86.0852% | 2,804 |
| Equity capital to assets | 13.8339% | 1,057 |
| Core capital (leverage) ratio | 13.8834% | 873 |
| Tier 1 risk-based capital ratio | 34.9632% | 353 |
| Total risk-based capital ratio | 35.8403% | 364 |
| Memoranda: | ||
| Average total assets | $68,434,500 | 5,395 |
| Average earning assets | $66,722,750 | 5,269 |
| Average equity | $9,704,500 | 4,848 |
| Average total loans | $23,138,250 | 5,910 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8745% | 4,246 |
| Cost of funding earning assets | 0.4088% | 3,787 |
| Net interest margin | 3.4657% | 3,917 |
| Noninterest income to average assets | 0.5139% | 3,379 |
| Noninterest expense to average assets | 2.2902% | 5,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5981% | 707 |
| Return on assets (ROA) | 1.5981% | 737 |
| Pretax return on assets | 1.5981% | 1,254 |
| Return on Equity (ROE) | 11.1723% | 1,685 |
| Retained earnings to average equity (ytd only) | 3.7795% | 3,779 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8999% | 5,445 |
| Assets per employee ($millions) | 3.9817% | 3,880 |
| Cash dividends to net income (ytd only)* | 66.1710% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 4,987 |
| Loan loss allowance to noncurrent loans | 833.3333% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 5,911 |
| Noncurrent loans to loans | 0.1295% | 5,623 |
| Net loans and leases to total assets | 31.9697% | 6,244 |
| Net loans and leases to deposits | 37.0215% | 6,265 |
| Net loans and leases to core deposits | 37.9310% | 6,276 |
| Total domestic deposits to total assets | 86.3543% | 2,846 |
| Equity capital to assets | 13.5745% | 1,130 |
| Core capital (leverage) ratio | 14.0206% | 823 |
| Tier 1 risk-based capital ratio | 34.7229% | 356 |
| Total risk-based capital ratio | 35.6151% | 358 |
| Memoranda: | ||
| Average total assets | $67,331,330 | 5,463 |
| Average earning assets | $65,556,670 | 5,333 |
| Average equity | $9,631,000 | 4,882 |
| Average total loans | $23,299,670 | 5,958 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9710% | 3,806 |
| Cost of funding earning assets | 0.4223% | 3,736 |
| Net interest margin | 3.5487% | 3,488 |
| Noninterest income to average assets | 0.5341% | 3,155 |
| Noninterest expense to average assets | 2.4063% | 4,911 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5838% | 684 |
| Return on assets (ROA) | 1.5838% | 714 |
| Pretax return on assets | 1.5838% | 1,207 |
| Return on Equity (ROE) | 10.7702% | 1,772 |
| Retained earnings to average equity (ytd only) | 2.9221% | 4,341 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3077% | 5,357 |
| Assets per employee ($millions) | 3.6721% | 4,581 |
| Cash dividends to net income (ytd only)* | 72.8682% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 5,254 |
| Loan loss allowance to noncurrent loans | 1,923.0769% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 6,073 |
| Noncurrent loans to loans | 0.0556% | 5,986 |
| Net loans and leases to total assets | 35.0137% | 6,123 |
| Net loans and leases to deposits | 41.0162% | 6,130 |
| Net loans and leases to core deposits | 41.5927% | 6,173 |
| Total domestic deposits to total assets | 85.3654% | 3,689 |
| Equity capital to assets | 14.5498% | 776 |
| Core capital (leverage) ratio | 15.0862% | 593 |
| Tier 1 risk-based capital ratio | 35.1370% | 346 |
| Total risk-based capital ratio | 36.0504% | 352 |
| Memoranda: | ||
| Average total assets | $65,161,500 | 5,588 |
| Average earning assets | $63,460,000 | 5,456 |
| Average equity | $9,582,000 | 4,914 |
| Average total loans | $23,368,000 | 6,007 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0456% | 3,933 |
| Cost of funding earning assets | 0.5146% | 3,455 |
| Net interest margin | 3.5310% | 3,758 |
| Noninterest income to average assets | 0.5521% | 3,390 |
| Noninterest expense to average assets | 2.6486% | 4,285 |
| Loan and lease loss provision to assets | -0.0346% | 6,337 |
| Net operating income to assets | 1.3699% | 1,091 |
| Return on assets (ROA) | 1.3699% | 1,132 |
| Pretax return on assets | 1.3699% | 1,901 |
| Return on Equity (ROE) | 9.3585% | 2,388 |
| Retained earnings to average equity (ytd only) | 4.5235% | 2,955 |
| Net charge-offs to loans | -0.0896% | 6,453 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4824% | 4,472 |
| Assets per employee ($millions) | 3.7780% | 4,313 |
| Cash dividends to net income (ytd only)* | 51.6648% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 5,271 |
| Loan loss allowance to noncurrent loans | 5,000.0000% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 6,196 |
| Noncurrent loans to loans | 0.0214% | 6,204 |
| Net loans and leases to total assets | 35.9558% | 6,204 |
| Net loans and leases to deposits | 42.2569% | 6,211 |
| Net loans and leases to core deposits | 42.8696% | 6,275 |
| Total domestic deposits to total assets | 85.0886% | 3,697 |
| Equity capital to assets | 14.8647% | 695 |
| Core capital (leverage) ratio | 14.8522% | 620 |
| Tier 1 risk-based capital ratio | 34.4558% | 348 |
| Total risk-based capital ratio | 35.3580% | 353 |
| Memoranda: | ||
| Average total assets | $63,580,200 | 5,663 |
| Average earning assets | $61,796,200 | 5,541 |
| Average equity | $9,307,000 | 5,016 |
| Average total loans | $24,551,800 | 6,007 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0588% | 3,901 |
| Cost of funding earning assets | 0.5366% | 3,398 |
| Net interest margin | 3.5222% | 3,788 |
| Noninterest income to average assets | 0.5508% | 3,450 |
| Noninterest expense to average assets | 2.3631% | 5,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.6104% | 737 |
| Return on assets (ROA) | 1.6104% | 780 |
| Pretax return on assets | 1.6104% | 1,319 |
| Return on Equity (ROE) | 11.0448% | 1,805 |
| Retained earnings to average equity (ytd only) | 4.5563% | 3,432 |
| Net charge-offs to loans | -0.1180% | 6,533 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4709% | 5,503 |
| Assets per employee ($millions) | 3.7938% | 4,258 |
| Cash dividends to net income (ytd only)* | 58.7471% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 5,236 |
| Loan loss allowance to noncurrent loans | 30.7692% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 1.4187% | 2,830 |
| Noncurrent loans to loans | 3.6532% | 1,014 |
| Net loans and leases to total assets | 37.0980% | 6,217 |
| Net loans and leases to deposits | 43.5121% | 6,231 |
| Net loans and leases to core deposits | 44.7190% | 6,261 |
| Total domestic deposits to total assets | 85.2591% | 3,604 |
| Equity capital to assets | 14.6401% | 787 |
| Core capital (leverage) ratio | 14.9316% | 653 |
| Tier 1 risk-based capital ratio | 34.4485% | 353 |
| Total risk-based capital ratio | 35.4409% | 358 |
| Memoranda: | ||
| Average total assets | $63,418,750 | 5,727 |
| Average earning assets | $61,626,500 | 5,605 |
| Average equity | $9,247,000 | 5,082 |
| Average total loans | $24,854,000 | 6,047 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 3,743 |
| Cost of funding earning assets | 0.5583% | 3,334 |
| Net interest margin | 3.5393% | 3,613 |
| Noninterest income to average assets | 0.5455% | 3,535 |
| Noninterest expense to average assets | 2.3470% | 5,222 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6365% | 698 |
| Return on assets (ROA) | 1.6365% | 762 |
| Pretax return on assets | 1.6365% | 1,262 |
| Return on Equity (ROE) | 11.2394% | 1,736 |
| Retained earnings to average equity (ytd only) | 3.0930% | 4,349 |
| Net charge-offs to loans | -0.1755% | 6,631 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9172% | 5,610 |
| Assets per employee ($millions) | 3.7385% | 4,326 |
| Cash dividends to net income (ytd only)* | 72.4806% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 5,387 |
| Loan loss allowance to noncurrent loans | 30.3233% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 1.4602% | 2,915 |
| Noncurrent loans to loans | 3.6686% | 1,112 |
| Net loans and leases to total assets | 38.0442% | 6,177 |
| Net loans and leases to deposits | 44.5745% | 6,193 |
| Net loans and leases to core deposits | 45.8274% | 6,239 |
| Total domestic deposits to total assets | 85.3497% | 3,724 |
| Equity capital to assets | 14.5826% | 799 |
| Core capital (leverage) ratio | 14.6636% | 672 |
| Tier 1 risk-based capital ratio | 32.8792% | 410 |
| Total risk-based capital ratio | 33.8442% | 411 |
| Memoranda: | ||
| Average total assets | $63,060,330 | 5,776 |
| Average earning assets | $61,254,670 | 5,659 |
| Average equity | $9,182,000 | 5,130 |
| Average total loans | $25,072,670 | 6,062 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 3,688 |
| Cost of funding earning assets | 0.5701% | 3,381 |
| Net interest margin | 3.5384% | 3,534 |
| Noninterest income to average assets | 0.5604% | 3,366 |
| Noninterest expense to average assets | 2.4199% | 5,062 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5793% | 735 |
| Return on assets (ROA) | 1.5793% | 795 |
| Pretax return on assets | 1.5793% | 1,353 |
| Return on Equity (ROE) | 10.8546% | 1,751 |
| Retained earnings to average equity (ytd only) | 1.1380% | 5,393 |
| Net charge-offs to loans | -0.3467% | 6,801 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5096% | 5,515 |
| Assets per employee ($millions) | 3.6932% | 4,574 |
| Cash dividends to net income (ytd only)* | 89.5161% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 5,709 |
| Loan loss allowance to noncurrent loans | 777.1429% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 6,268 |
| Noncurrent loans to loans | 0.1378% | 6,054 |
| Net loans and leases to total assets | 40.0175% | 5,989 |
| Net loans and leases to deposits | 46.9056% | 5,999 |
| Net loans and leases to core deposits | 48.2394% | 6,086 |
| Total domestic deposits to total assets | 85.3150% | 3,889 |
| Equity capital to assets | 14.5767% | 854 |
| Core capital (leverage) ratio | 14.6566% | 641 |
| Tier 1 risk-based capital ratio | 32.0078% | 450 |
| Total risk-based capital ratio | 32.9591% | 457 |
| Memoranda: | ||
| Average total assets | $62,813,000 | 5,840 |
| Average earning assets | $61,045,000 | 5,708 |
| Average equity | $9,139,000 | 5,200 |
| Average total loans | $25,383,500 | 6,102 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3552% | 4,012 |
| Cost of funding earning assets | 0.6893% | 3,577 |
| Net interest margin | 3.6659% | 3,799 |
| Noninterest income to average assets | 0.5979% | 3,287 |
| Noninterest expense to average assets | 2.6988% | 4,404 |
| Loan and lease loss provision to assets | 0.0179% | 5,679 |
| Net operating income to assets | 1.4331% | 1,041 |
| Return on assets (ROA) | 1.4331% | 1,162 |
| Pretax return on assets | 1.4331% | 1,931 |
| Return on Equity (ROE) | 9.9137% | 2,209 |
| Retained earnings to average equity (ytd only) | 5.1816% | 2,589 |
| Net charge-offs to loans | 0.0478% | 5,247 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 81.1818% | 470 |
| Efficiency ratio | 65.0352% | 4,694 |
| Assets per employee ($millions) | 3.6965% | 4,570 |
| Cash dividends to net income (ytd only)* | 47.7324% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9854% | 6,008 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 6,372 |
| Noncurrent loans to loans | 0.0985% | 6,242 |
| Net loans and leases to total assets | 39.9739% | 6,168 |
| Net loans and leases to deposits | 46.8028% | 6,189 |
| Net loans and leases to core deposits | 48.1300% | 6,259 |
| Total domestic deposits to total assets | 85.4092% | 3,659 |
| Equity capital to assets | 14.5224% | 864 |
| Core capital (leverage) ratio | 14.6923% | 627 |
| Tier 1 risk-based capital ratio | 32.1769% | 425 |
| Total risk-based capital ratio | 33.0583% | 430 |
| Memoranda: | ||
| Average total assets | $61,546,200 | 5,883 |
| Average earning assets | $59,630,000 | 5,758 |
| Average equity | $8,896,800 | 5,251 |
| Average total loans | $23,022,400 | 6,296 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4468% | 3,844 |
| Cost of funding earning assets | 0.7104% | 3,675 |
| Net interest margin | 3.7364% | 3,627 |
| Noninterest income to average assets | 0.6054% | 3,240 |
| Noninterest expense to average assets | 2.4282% | 5,314 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.7967% | 570 |
| Return on assets (ROA) | 1.7967% | 641 |
| Pretax return on assets | 1.7967% | 1,055 |
| Return on Equity (ROE) | 12.4438% | 1,487 |
| Retained earnings to average equity (ytd only) | 6.0937% | 2,637 |
| Net charge-offs to loans | -0.0772% | 6,802 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4742% | 5,857 |
| Assets per employee ($millions) | 3.6547% | 4,645 |
| Cash dividends to net income (ytd only)* | 51.0305% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 5,608 |
| Loan loss allowance to noncurrent loans | 1,143.4783% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 6,516 |
| Noncurrent loans to loans | 0.0985% | 6,369 |
| Net loans and leases to total assets | 37.1415% | 6,474 |
| Net loans and leases to deposits | 43.5552% | 6,528 |
| Net loans and leases to core deposits | 44.8052% | 6,567 |
| Total domestic deposits to total assets | 85.2744% | 3,630 |
| Equity capital to assets | 14.5968% | 940 |
| Core capital (leverage) ratio | 14.8477% | 637 |
| Tier 1 risk-based capital ratio | 34.3367% | 374 |
| Total risk-based capital ratio | 35.3324% | 379 |
| Memoranda: | ||
| Average total assets | $61,222,500 | 5,961 |
| Average earning assets | $59,307,000 | 5,837 |
| Average equity | $8,839,500 | 5,312 |
| Average total loans | $22,435,500 | 6,400 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5472% | 3,576 |
| Cost of funding earning assets | 0.7183% | 3,871 |
| Net interest margin | 3.8289% | 3,228 |
| Noninterest income to average assets | 0.5942% | 3,287 |
| Noninterest expense to average assets | 2.4524% | 5,287 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8516% | 508 |
| Return on assets (ROA) | 1.8516% | 579 |
| Pretax return on assets | 1.8516% | 938 |
| Return on Equity (ROE) | 12.8723% | 1,395 |
| Retained earnings to average equity (ytd only) | 4.9070% | 3,329 |
| Net charge-offs to loans | 0.0181% | 5,162 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 282.0000% | 150 |
| Efficiency ratio | 56.9794% | 6,005 |
| Assets per employee ($millions) | 3.5527% | 4,863 |
| Cash dividends to net income (ytd only)* | 61.8794% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0657% | 5,908 |
| Loan loss allowance to noncurrent loans | 72.9412% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 5,235 |
| Noncurrent loans to loans | 1.4610% | 3,713 |
| Net loans and leases to total assets | 38.1217% | 6,469 |
| Net loans and leases to deposits | 44.7563% | 6,516 |
| Net loans and leases to core deposits | 46.0793% | 6,569 |
| Total domestic deposits to total assets | 85.1762% | 3,780 |
| Equity capital to assets | 14.7030% | 860 |
| Core capital (leverage) ratio | 14.9093% | 613 |
| Tier 1 risk-based capital ratio | 33.0911% | 404 |
| Total risk-based capital ratio | 34.0153% | 403 |
| Memoranda: | ||
| Average total assets | $60,920,000 | 6,007 |
| Average earning assets | $59,025,330 | 5,869 |
| Average equity | $8,763,000 | 5,333 |
| Average total loans | $22,134,330 | 6,458 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6484% | 3,274 |
| Cost of funding earning assets | 0.7489% | 3,870 |
| Net interest margin | 3.8995% | 2,923 |
| Noninterest income to average assets | 0.5753% | 3,377 |
| Noninterest expense to average assets | 2.4975% | 5,159 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8568% | 532 |
| Return on assets (ROA) | 1.8568% | 606 |
| Pretax return on assets | 1.8568% | 958 |
| Return on Equity (ROE) | 13.0507% | 1,392 |
| Retained earnings to average equity (ytd only) | 3.6303% | 4,401 |
| Net charge-offs to loans | 0.0556% | 3,941 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 94.6667% | 360 |
| Efficiency ratio | 57.3574% | 5,999 |
| Assets per employee ($millions) | 3.2002% | 5,770 |
| Cash dividends to net income (ytd only)* | 72.1831% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 5,860 |
| Loan loss allowance to noncurrent loans | 2,744.4444% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 6,725 |
| Noncurrent loans to loans | 0.0405% | 6,654 |
| Net loans and leases to total assets | 36.1308% | 6,609 |
| Net loans and leases to deposits | 42.2619% | 6,644 |
| Net loans and leases to core deposits | 43.0655% | 6,700 |
| Total domestic deposits to total assets | 85.4927% | 3,795 |
| Equity capital to assets | 14.3806% | 899 |
| Core capital (leverage) ratio | 14.3691% | 716 |
| Tier 1 risk-based capital ratio | 33.1250% | 390 |
| Total risk-based capital ratio | 34.0607% | 393 |
| Memoranda: | ||
| Average total assets | $61,182,000 | 6,031 |
| Average earning assets | $59,289,000 | 5,899 |
| Average equity | $8,704,500 | 5,360 |
| Average total loans | $21,565,500 | 6,533 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5578% | 4,842 |
| Cost of funding earning assets | 0.8383% | 4,557 |
| Net interest margin | 3.7195% | 4,213 |
| Noninterest income to average assets | 0.5750% | 3,335 |
| Noninterest expense to average assets | 2.7751% | 4,448 |
| Loan and lease loss provision to assets | 0.0594% | 5,862 |
| Net operating income to assets | 1.3384% | 1,162 |
| Return on assets (ROA) | 1.3384% | 1,244 |
| Pretax return on assets | 1.3384% | 1,991 |
| Return on Equity (ROE) | 9.3514% | 2,306 |
| Retained earnings to average equity (ytd only) | 4.9543% | 2,678 |
| Net charge-offs to loans | 0.1781% | 4,726 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 23.5429% | 1,018 |
| Efficiency ratio | 66.5041% | 4,658 |
| Assets per employee ($millions) | 3.4200% | 5,202 |
| Cash dividends to net income (ytd only)* | 47.0215% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 5,413 |
| Loan loss allowance to noncurrent loans | 490.1961% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 6,618 |
| Noncurrent loans to loans | 0.2438% | 6,248 |
| Net loans and leases to total assets | 33.5689% | 6,883 |
| Net loans and leases to deposits | 39.1071% | 6,921 |
| Net loans and leases to core deposits | 39.8377% | 6,953 |
| Total domestic deposits to total assets | 85.8382% | 3,411 |
| Equity capital to assets | 14.0757% | 1,035 |
| Core capital (leverage) ratio | 14.3696% | 741 |
| Tier 1 risk-based capital ratio | 34.3196% | 354 |
| Total risk-based capital ratio | 35.3097% | 359 |
| Memoranda: | ||
| Average total assets | $58,952,600 | 6,078 |
| Average earning assets | $57,023,400 | 5,950 |
| Average equity | $8,437,200 | 5,424 |
| Average total loans | $19,653,400 | 6,674 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6827% | 4,540 |
| Cost of funding earning assets | 0.8632% | 4,677 |
| Net interest margin | 3.8194% | 3,769 |
| Noninterest income to average assets | 0.5694% | 3,374 |
| Noninterest expense to average assets | 2.5934% | 5,104 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6695% | 677 |
| Return on assets (ROA) | 1.6695% | 741 |
| Pretax return on assets | 1.6695% | 1,206 |
| Return on Equity (ROE) | 11.6143% | 1,644 |
| Retained earnings to average equity (ytd only) | 5.7116% | 2,737 |
| Net charge-offs to loans | 0.0896% | 5,074 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 56.1633% | 585 |
| Efficiency ratio | 60.8369% | 5,588 |
| Assets per employee ($millions) | 3.2623% | 5,550 |
| Cash dividends to net income (ytd only)* | 50.8214% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 5,610 |
| Loan loss allowance to noncurrent loans | 388.5246% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 6,654 |
| Noncurrent loans to loans | 0.3002% | 6,247 |
| Net loans and leases to total assets | 34.2024% | 6,942 |
| Net loans and leases to deposits | 40.1463% | 6,975 |
| Net loans and leases to core deposits | 40.9385% | 7,010 |
| Total domestic deposits to total assets | 85.1944% | 3,682 |
| Equity capital to assets | 14.6557% | 947 |
| Core capital (leverage) ratio | 14.7816% | 710 |
| Tier 1 risk-based capital ratio | 35.2474% | 345 |
| Total risk-based capital ratio | 36.2181% | 348 |
| Memoranda: | ||
| Average total assets | $58,300,750 | 6,138 |
| Average earning assets | $56,376,750 | 6,015 |
| Average equity | $8,380,250 | 5,475 |
| Average total loans | $19,338,000 | 6,761 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6530% | 4,744 |
| Cost of funding earning assets | 0.8680% | 4,923 |
| Net interest margin | 3.7850% | 3,865 |
| Noninterest income to average assets | 0.5468% | 3,494 |
| Noninterest expense to average assets | 2.6857% | 4,876 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5199% | 849 |
| Return on assets (ROA) | 1.5199% | 908 |
| Pretax return on assets | 1.5199% | 1,467 |
| Return on Equity (ROE) | 10.6442% | 1,917 |
| Retained earnings to average equity (ytd only) | 3.2751% | 4,179 |
| Net charge-offs to loans | -0.0316% | 6,934 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8594% | 5,265 |
| Assets per employee ($millions) | 3.2075% | 5,621 |
| Cash dividends to net income (ytd only)* | 69.2308% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 4,766 |
| Loan loss allowance to noncurrent loans | 1,054.1667% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 6,856 |
| Noncurrent loans to loans | 0.1291% | 6,657 |
| Net loans and leases to total assets | 31.7520% | 7,120 |
| Net loans and leases to deposits | 37.2042% | 7,145 |
| Net loans and leases to core deposits | 37.9497% | 7,172 |
| Total domestic deposits to total assets | 85.3451% | 3,705 |
| Equity capital to assets | 14.5198% | 935 |
| Core capital (leverage) ratio | 14.3815% | 789 |
| Tier 1 risk-based capital ratio | 36.5066% | 309 |
| Total risk-based capital ratio | 37.6083% | 309 |
| Memoranda: | ||
| Average total assets | $58,160,670 | 6,202 |
| Average earning assets | $56,222,330 | 6,076 |
| Average equity | $8,305,000 | 5,519 |
| Average total loans | $19,010,330 | 6,836 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5627% | 5,113 |
| Cost of funding earning assets | 0.8714% | 5,122 |
| Net interest margin | 3.6912% | 4,153 |
| Noninterest income to average assets | 0.5550% | 3,470 |
| Noninterest expense to average assets | 2.6587% | 4,999 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4664% | 943 |
| Return on assets (ROA) | 1.4664% | 984 |
| Pretax return on assets | 1.4664% | 1,550 |
| Return on Equity (ROE) | 10.3557% | 1,972 |
| Retained earnings to average equity (ytd only) | 1.8389% | 5,010 |
| Net charge-offs to loans | -0.1040% | 7,100 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4518% | 5,291 |
| Assets per employee ($millions) | 3.2678% | 5,560 |
| Cash dividends to net income (ytd only)* | 82.2430% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 5,085 |
| Loan loss allowance to noncurrent loans | 980.7692% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 6,922 |
| Noncurrent loans to loans | 0.1335% | 6,710 |
| Net loans and leases to total assets | 32.6669% | 7,142 |
| Net loans and leases to deposits | 38.0842% | 7,163 |
| Net loans and leases to core deposits | 39.0295% | 7,191 |
| Total domestic deposits to total assets | 85.7755% | 3,652 |
| Equity capital to assets | 14.0851% | 985 |
| Core capital (leverage) ratio | 14.2078% | 802 |
| Tier 1 risk-based capital ratio | 34.2568% | 370 |
| Total risk-based capital ratio | 35.3111% | 364 |
| Memoranda: | ||
| Average total assets | $58,373,500 | 6,242 |
| Average earning assets | $56,458,000 | 6,118 |
| Average equity | $8,266,000 | 5,530 |
| Average total loans | $19,223,000 | 6,884 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9986% | 4,564 |
| Cost of funding earning assets | 1.0531% | 5,413 |
| Net interest margin | 3.9455% | 3,278 |
| Noninterest income to average assets | 0.6250% | 3,313 |
| Noninterest expense to average assets | 2.8298% | 4,478 |
| Loan and lease loss provision to assets | 0.0384% | 6,779 |
| Net operating income to assets | 1.3669% | 1,017 |
| Return on assets (ROA) | 1.3669% | 1,089 |
| Pretax return on assets | 1.3669% | 1,744 |
| Return on Equity (ROE) | 9.6750% | 2,046 |
| Retained earnings to average equity (ytd only) | 3.7440% | 3,246 |
| Net charge-offs to loans | 0.1222% | 5,668 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 36.5909% | 623 |
| Efficiency ratio | 66.8178% | 4,796 |
| Assets per employee ($millions) | 3.2181% | 5,629 |
| Cash dividends to net income (ytd only)* | 61.3027% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 4,912 |
| Loan loss allowance to noncurrent loans | 1,470.5882% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 7,031 |
| Noncurrent loans to loans | 0.0896% | 6,909 |
| Net loans and leases to total assets | 32.3275% | 7,280 |
| Net loans and leases to deposits | 37.7411% | 7,307 |
| Net loans and leases to core deposits | 38.6933% | 7,335 |
| Total domestic deposits to total assets | 85.6558% | 3,523 |
| Equity capital to assets | 14.2371% | 969 |
| Core capital (leverage) ratio | 14.5334% | 743 |
| Tier 1 risk-based capital ratio | 35.6488% | 328 |
| Total risk-based capital ratio | 36.7295% | 326 |
| Memoranda: | ||
| Average total assets | $57,283,200 | 6,298 |
| Average earning assets | $52,414,400 | 6,273 |
| Average equity | $8,093,000 | 5,687 |
| Average total loans | $17,996,800 | 7,027 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1689% | 3,994 |
| Cost of funding earning assets | 1.0995% | 5,420 |
| Net interest margin | 4.0694% | 2,766 |
| Noninterest income to average assets | 0.6372% | 3,206 |
| Noninterest expense to average assets | 2.5325% | 5,597 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.7763% | 541 |
| Return on assets (ROA) | 1.7763% | 587 |
| Pretax return on assets | 1.7763% | 968 |
| Return on Equity (ROE) | 12.5972% | 1,362 |
| Retained earnings to average equity (ytd only) | 4.6516% | 3,225 |
| Net charge-offs to loans | 0.0225% | 6,356 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 253.6600% | 130 |
| Efficiency ratio | 58.7757% | 6,151 |
| Assets per employee ($millions) | 3.1316% | 5,852 |
| Cash dividends to net income (ytd only)* | 63.0746% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 4,530 |
| Loan loss allowance to noncurrent loans | 457.4074% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 6,980 |
| Noncurrent loans to loans | 0.3035% | 6,582 |
| Net loans and leases to total assets | 31.1270% | 7,439 |
| Net loans and leases to deposits | 36.5184% | 7,460 |
| Net loans and leases to core deposits | 37.4698% | 7,474 |
| Total domestic deposits to total assets | 85.2366% | 3,501 |
| Equity capital to assets | 14.5914% | 996 |
| Core capital (leverage) ratio | 14.3774% | 837 |
| Tier 1 risk-based capital ratio | 37.4085% | 300 |
| Total risk-based capital ratio | 38.5319% | 295 |
| Memoranda: | ||
| Average total assets | $57,122,500 | 6,384 |
| Average earning assets | $51,537,500 | 6,381 |
| Average equity | $8,054,500 | 5,769 |
| Average total loans | $17,752,000 | 7,135 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3709% | 3,100 |
| Cost of funding earning assets | 1.1486% | 5,415 |
| Net interest margin | 4.2222% | 2,083 |
| Noninterest income to average assets | 0.6379% | 3,077 |
| Noninterest expense to average assets | 2.4855% | 5,760 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.8685% | 428 |
| Return on assets (ROA) | 1.8685% | 469 |
| Pretax return on assets | 1.8685% | 784 |
| Return on Equity (ROE) | 13.4039% | 1,158 |
| Retained earnings to average equity (ytd only) | 3.2509% | 4,030 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0857% | 6,500 |
| Assets per employee ($millions) | 3.1976% | 5,690 |
| Cash dividends to net income (ytd only)* | 75.7463% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 4,165 |
| Loan loss allowance to noncurrent loans | 490.1961% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 7,037 |
| Noncurrent loans to loans | 0.2963% | 6,636 |
| Net loans and leases to total assets | 29.4699% | 7,547 |
| Net loans and leases to deposits | 34.3402% | 7,572 |
| Net loans and leases to core deposits | 35.2084% | 7,579 |
| Total domestic deposits to total assets | 85.8175% | 3,192 |
| Equity capital to assets | 14.0278% | 1,148 |
| Core capital (leverage) ratio | 14.2065% | 872 |
| Tier 1 risk-based capital ratio | 36.4795% | 315 |
| Total risk-based capital ratio | 37.6090% | 310 |
| Memoranda: | ||
| Average total assets | $57,373,670 | 6,420 |
| Average earning assets | $50,494,670 | 6,462 |
| Average equity | $7,997,670 | 5,803 |
| Average total loans | $17,738,330 | 7,185 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3977% | 3,046 |
| Cost of funding earning assets | 1.1539% | 5,644 |
| Net interest margin | 4.2438% | 1,875 |
| Noninterest income to average assets | 0.6564% | 2,898 |
| Noninterest expense to average assets | 2.4720% | 5,836 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.0111% | 340 |
| Return on assets (ROA) | 2.0111% | 372 |
| Pretax return on assets | 2.0111% | 592 |
| Return on Equity (ROE) | 14.4733% | 958 |
| Retained earnings to average equity (ytd only) | 1.5579% | 5,166 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1402% | 6,871 |
| Assets per employee ($millions) | 3.1663% | 5,842 |
| Cash dividends to net income (ytd only)* | 89.2361% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 4,409 |
| Loan loss allowance to noncurrent loans | 781.2500% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 7,202 |
| Noncurrent loans to loans | 0.1795% | 6,978 |
| Net loans and leases to total assets | 30.8389% | 7,597 |
| Net loans and leases to deposits | 35.9258% | 7,625 |
| Net loans and leases to core deposits | 36.8416% | 7,641 |
| Total domestic deposits to total assets | 85.8404% | 3,236 |
| Equity capital to assets | 13.9929% | 1,145 |
| Core capital (leverage) ratio | 14.0563% | 947 |
| Tier 1 risk-based capital ratio | 34.4850% | 369 |
| Total risk-based capital ratio | 35.5660% | 367 |
| Memoranda: | ||
| Average total assets | $57,282,000 | 6,498 |
| Average earning assets | $51,652,000 | 6,490 |
| Average equity | $7,959,500 | 5,863 |
| Average total loans | $18,001,500 | 7,263 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2913% | 5,221 |
| Cost of funding earning assets | 1.4138% | 5,876 |
| Net interest margin | 3.8776% | 3,362 |
| Noninterest income to average assets | 0.7469% | 2,700 |
| Noninterest expense to average assets | 2.8146% | 4,908 |
| Loan and lease loss provision to assets | 0.0129% | 7,365 |
| Net operating income to assets | 1.5471% | 615 |
| Return on assets (ROA) | 1.5471% | 651 |
| Pretax return on assets | 1.5471% | 1,081 |
| Return on Equity (ROE) | 10.9611% | 1,435 |
| Retained earnings to average equity (ytd only) | 6.3342% | 1,209 |
| Net charge-offs to loans | 0.0374% | 6,743 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 121.1429% | 239 |
| Efficiency ratio | 64.3398% | 5,710 |
| Assets per employee ($millions) | 3.1984% | 5,724 |
| Cash dividends to net income (ytd only)* | 42.2117% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 4,365 |
| Loan loss allowance to noncurrent loans | 112.1076% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.4412% | 6,355 |
| Noncurrent loans to loans | 1.2268% | 4,896 |
| Net loans and leases to total assets | 31.1389% | 7,685 |
| Net loans and leases to deposits | 36.1789% | 7,721 |
| Net loans and leases to core deposits | 45.4631% | 7,680 |
| Total domestic deposits to total assets | 86.0694% | 2,983 |
| Equity capital to assets | 13.7986% | 1,222 |
| Core capital (leverage) ratio | 13.3850% | 1,131 |
| Tier 1 risk-based capital ratio | 32.9941% | 413 |
| Total risk-based capital ratio | 34.0325% | 407 |
| Memoranda: | ||
| Average total assets | $54,358,600 | 6,549 |
| Average earning assets | $50,856,800 | 6,498 |
| Average equity | $7,672,600 | 6,028 |
| Average total loans | $18,713,000 | 7,274 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2855% | 5,503 |
| Cost of funding earning assets | 1.4723% | 5,946 |
| Net interest margin | 3.8132% | 3,602 |
| Noninterest income to average assets | 0.7593% | 2,652 |
| Noninterest expense to average assets | 2.5792% | 5,784 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.7651% | 488 |
| Return on assets (ROA) | 1.7651% | 515 |
| Pretax return on assets | 1.7651% | 862 |
| Return on Equity (ROE) | 12.4305% | 1,260 |
| Retained earnings to average equity (ytd only) | 6.2240% | 1,840 |
| Net charge-offs to loans | -0.0071% | 7,652 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3696% | 6,504 |
| Assets per employee ($millions) | 3.2636% | 5,485 |
| Cash dividends to net income (ytd only)* | 49.9297% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 4,209 |
| Loan loss allowance to noncurrent loans | 456.3636% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 7,177 |
| Noncurrent loans to loans | 0.2956% | 6,771 |
| Net loans and leases to total assets | 31.2440% | 7,776 |
| Net loans and leases to deposits | 36.1200% | 7,819 |
| Net loans and leases to core deposits | 44.9368% | 7,782 |
| Total domestic deposits to total assets | 86.5007% | 2,425 |
| Equity capital to assets | 13.3001% | 1,578 |
| Core capital (leverage) ratio | 13.4184% | 1,254 |
| Tier 1 risk-based capital ratio | 31.6495% | 485 |
| Total risk-based capital ratio | 32.6663% | 485 |
| Memoranda: | ||
| Average total assets | $53,555,500 | 6,617 |
| Average earning assets | $50,350,500 | 6,565 |
| Average equity | $7,604,750 | 6,109 |
| Average total loans | $18,847,000 | 7,330 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4351% | 4,969 |
| Cost of funding earning assets | 1.5535% | 5,905 |
| Net interest margin | 3.8816% | 3,198 |
| Noninterest income to average assets | 0.7718% | 2,574 |
| Noninterest expense to average assets | 2.5972% | 5,751 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8099% | 452 |
| Return on assets (ROA) | 1.8099% | 493 |
| Pretax return on assets | 1.8099% | 837 |
| Return on Equity (ROE) | 12.4480% | 1,298 |
| Retained earnings to average equity (ytd only) | 4.6182% | 2,724 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9317% | 6,705 |
| Assets per employee ($millions) | 2.9599% | 6,237 |
| Cash dividends to net income (ytd only)* | 62.8998% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 4,066 |
| Loan loss allowance to noncurrent loans | 581.3953% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 7,217 |
| Noncurrent loans to loans | 0.2298% | 6,932 |
| Net loans and leases to total assets | 34.6578% | 7,751 |
| Net loans and leases to deposits | 40.5548% | 7,800 |
| Net loans and leases to core deposits | 52.7014% | 7,688 |
| Total domestic deposits to total assets | 85.4593% | 3,036 |
| Equity capital to assets | 14.3249% | 1,218 |
| Core capital (leverage) ratio | 14.4757% | 1,027 |
| Tier 1 risk-based capital ratio | 32.7427% | 476 |
| Total risk-based capital ratio | 33.8153% | 471 |
| Memoranda: | ||
| Average total assets | $51,826,000 | 6,753 |
| Average earning assets | $48,536,330 | 6,689 |
| Average equity | $7,535,330 | 6,170 |
| Average total loans | $18,927,670 | 7,402 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5963% | 4,376 |
| Cost of funding earning assets | 1.6002% | 6,027 |
| Net interest margin | 3.9962% | 2,658 |
| Noninterest income to average assets | 0.7515% | 2,589 |
| Noninterest expense to average assets | 2.6458% | 5,240 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8395% | 490 |
| Return on assets (ROA) | 1.8395% | 549 |
| Pretax return on assets | 1.8395% | 911 |
| Return on Equity (ROE) | 12.5551% | 1,498 |
| Retained earnings to average equity (ytd only) | 3.0987% | 4,148 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9878% | 6,555 |
| Assets per employee ($millions) | 2.8436% | 6,543 |
| Cash dividends to net income (ytd only)* | 75.3191% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 4,149 |
| Loan loss allowance to noncurrent loans | 409.8361% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 6,996 |
| Noncurrent loans to loans | 0.3141% | 6,657 |
| Net loans and leases to total assets | 37.4582% | 7,679 |
| Net loans and leases to deposits | 44.0232% | 7,722 |
| Net loans and leases to core deposits | 56.1008% | 7,613 |
| Total domestic deposits to total assets | 85.0874% | 3,157 |
| Equity capital to assets | 14.6840% | 1,185 |
| Core capital (leverage) ratio | 14.8043% | 1,005 |
| Tier 1 risk-based capital ratio | 32.3798% | 514 |
| Total risk-based capital ratio | 33.4568% | 507 |
| Memoranda: | ||
| Average total assets | $51,100,000 | 6,814 |
| Average earning assets | $47,745,500 | 6,756 |
| Average equity | $7,487,000 | 6,224 |
| Average total loans | $19,034,000 | 7,434 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9163% | 5,958 |
| Cost of funding earning assets | 1.7935% | 7,024 |
| Net interest margin | 4.1228% | 2,611 |
| Noninterest income to average assets | 0.8989% | 1,959 |
| Noninterest expense to average assets | 2.9596% | 4,229 |
| Loan and lease loss provision to assets | 0.1481% | 5,465 |
| Net operating income to assets | 1.6269% | 796 |
| Return on assets (ROA) | 1.6269% | 756 |
| Pretax return on assets | 1.6269% | 1,320 |
| Return on Equity (ROE) | 10.5631% | 2,065 |
| Retained earnings to average equity (ytd only) | -3.0064% | 6,110 |
| Net charge-offs to loans | 0.3768% | 2,958 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 11.9859% | 2,308 |
| Efficiency ratio | 62.5110% | 5,859 |
| Assets per employee ($millions) | 2.8342% | 6,480 |
| Cash dividends to net income (ytd only)* | 128.4615% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3408% | 3,529 |
| Loan loss allowance to noncurrent loans | 543.4783% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 6,967 |
| Noncurrent loans to loans | 0.2467% | 6,644 |
| Net loans and leases to total assets | 36.0580% | 7,829 |
| Net loans and leases to deposits | 42.3175% | 7,890 |
| Net loans and leases to core deposits | 52.0824% | 7,843 |
| Total domestic deposits to total assets | 85.2083% | 2,746 |
| Equity capital to assets | 14.6192% | 1,272 |
| Core capital (leverage) ratio | 14.9882% | 1,037 |
| Tier 1 risk-based capital ratio | 32.4529% | 529 |
| Total risk-based capital ratio | 33.5408% | 524 |
| Memoranda: | ||
| Average total assets | $47,945,400 | 6,866 |
| Average earning assets | $44,605,600 | 6,834 |
| Average equity | $7,384,200 | 6,322 |
| Average total loans | $18,844,400 | 7,414 |