Home > The Citizens State Bank of Cheney, Kansas > Performance and Condition Ratios
The Citizens State Bank of Cheney, Kansas, 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 | 5.7255% | 1,617 |
| Cost of funding earning assets | 1.3475% | 3,505 |
| Net interest margin | 4.3780% | 770 |
| Noninterest income to average assets | 0.4500% | 1,965 |
| Noninterest expense to average assets | 2.3070% | 2,831 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 2.2880% | 290 |
| Return on assets (ROA) | 2.2973% | 290 |
| Pretax return on assets | 2.3648% | 392 |
| Return on Equity (ROE) | 29.9800% | 113 |
| Retained earnings to average equity (ytd only) | 7.9189% | 1,708 |
| Net charge-offs to loans | -0.0584% | 4,320 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 49.4835% | 3,919 |
| Assets per employee ($millions) | 6.1621% | 2,830 |
| Cash dividends to net income (ytd only)* | 73.5849% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6398% | 749 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 62.3000% | 2,667 |
| Net loans and leases to deposits | 67.5490% | 3,028 |
| Net loans and leases to core deposits | 73.7118% | 3,091 |
| Total domestic deposits to total assets | 92.2300% | 237 |
| Equity capital to assets | 7.5751% | 3,813 |
| Core capital (leverage) ratio | 11.0546% | 1,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $83,052,500 | 3,915 |
| Average earning assets | $79,853,000 | 3,877 |
| Average equity | $6,364,500 | 4,132 |
| Average total loans | $54,821,500 | 3,764 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5863% | 1,973 |
| Cost of funding earning assets | 1.2468% | 3,757 |
| Net interest margin | 4.3395% | 788 |
| Noninterest income to average assets | 0.4700% | 2,077 |
| Noninterest expense to average assets | 2.5256% | 2,233 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 1.9533% | 425 |
| Return on assets (ROA) | 1.9617% | 420 |
| Pretax return on assets | 2.0392% | 563 |
| Return on Equity (ROE) | 25.9800% | 171 |
| Retained earnings to average equity (ytd only) | 11.4427% | 367 |
| Net charge-offs to loans | 0.0192% | 2,235 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 168.1000% | 571 |
| Efficiency ratio | 54.5798% | 3,680 |
| Assets per employee ($millions) | 6.1412% | 2,770 |
| Cash dividends to net income (ytd only)* | 55.9592% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6145% | 771 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 67.7800% | 2,165 |
| Net loans and leases to deposits | 73.6469% | 2,678 |
| Net loans and leases to core deposits | 80.9112% | 2,715 |
| Total domestic deposits to total assets | 92.0400% | 298 |
| Equity capital to assets | 7.7585% | 3,637 |
| Core capital (leverage) ratio | 11.1329% | 1,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1426% | 1,810 |
| Memoranda: | ||
| Average total assets | $79,980,400 | 3,953 |
| Average earning assets | $76,598,200 | 3,914 |
| Average equity | $6,038,800 | 4,149 |
| Average total loans | $52,181,800 | 3,781 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4799% | 2,117 |
| Cost of funding earning assets | 1.2063% | 3,808 |
| Net interest margin | 4.2736% | 835 |
| Noninterest income to average assets | 0.4700% | 2,018 |
| Noninterest expense to average assets | 2.5011% | 2,242 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 1.9683% | 453 |
| Return on assets (ROA) | 1.9795% | 446 |
| Pretax return on assets | 2.0545% | 585 |
| Return on Equity (ROE) | 26.4000% | 171 |
| Retained earnings to average equity (ytd only) | 13.3997% | 354 |
| Net charge-offs to loans | 0.0104% | 2,257 |
| Credit loss provision to net charge-offs | 25.0000% | 2,165 |
| Earnings coverage of net charge-offs (x) | 308.5000% | 371 |
| Efficiency ratio | 54.8812% | 3,646 |
| Assets per employee ($millions) | 6.2526% | 2,695 |
| Cash dividends to net income (ytd only)* | 49.2424% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 864 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 64.5600% | 2,467 |
| Net loans and leases to deposits | 70.5734% | 2,940 |
| Net loans and leases to core deposits | 77.3871% | 2,992 |
| Total domestic deposits to total assets | 91.4800% | 265 |
| Equity capital to assets | 8.3165% | 3,514 |
| Core capital (leverage) ratio | 11.0929% | 1,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0509% | 1,874 |
| Memoranda: | ||
| Average total assets | $80,016,750 | 3,969 |
| Average earning assets | $76,593,250 | 3,930 |
| Average equity | $6,000,000 | 4,174 |
| Average total loans | $51,476,500 | 3,799 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3422% | 2,273 |
| Cost of funding earning assets | 1.1708% | 3,823 |
| Net interest margin | 4.1714% | 929 |
| Noninterest income to average assets | 0.4300% | 2,205 |
| Noninterest expense to average assets | 2.5278% | 2,168 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 1.8172% | 570 |
| Return on assets (ROA) | 1.8343% | 563 |
| Pretax return on assets | 1.8946% | 748 |
| Return on Equity (ROE) | 25.4100% | 207 |
| Retained earnings to average equity (ytd only) | 15.2088% | 276 |
| Net charge-offs to loans | 0.0079% | 2,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 377.0000% | 322 |
| Efficiency ratio | 57.1591% | 3,473 |
| Assets per employee ($millions) | 6.3482% | 2,521 |
| Cash dividends to net income (ytd only)* | 40.1370% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6118% | 835 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 62.5800% | 2,695 |
| Net loans and leases to deposits | 67.4931% | 3,157 |
| Net loans and leases to core deposits | 73.4476% | 3,195 |
| Total domestic deposits to total assets | 92.7100% | 169 |
| Equity capital to assets | 7.1238% | 3,892 |
| Core capital (leverage) ratio | 11.0515% | 1,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9059% | 1,933 |
| Memoranda: | ||
| Average total assets | $79,594,333 | 3,986 |
| Average earning assets | $76,185,667 | 3,942 |
| Average equity | $5,746,667 | 4,195 |
| Average total loans | $50,861,333 | 3,820 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2073% | 2,384 |
| Cost of funding earning assets | 1.1857% | 3,753 |
| Net interest margin | 4.0216% | 1,063 |
| Noninterest income to average assets | 0.4400% | 2,063 |
| Noninterest expense to average assets | 2.2681% | 2,886 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.9817% | 455 |
| Return on assets (ROA) | 1.9967% | 451 |
| Pretax return on assets | 2.0377% | 608 |
| Return on Equity (ROE) | 27.4600% | 177 |
| Retained earnings to average equity (ytd only) | 6.8304% | 1,880 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 52.8640% | 3,834 |
| Assets per employee ($millions) | 6.1575% | 2,714 |
| Cash dividends to net income (ytd only)* | 75.1282% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7195% | 640 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 60.5500% | 2,802 |
| Net loans and leases to deposits | 65.2438% | 3,216 |
| Net loans and leases to core deposits | 70.8342% | 3,282 |
| Total domestic deposits to total assets | 92.8100% | 210 |
| Equity capital to assets | 7.0221% | 3,887 |
| Core capital (leverage) ratio | 10.7429% | 2,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0109% | 1,872 |
| Memoranda: | ||
| Average total assets | $78,128,500 | 4,030 |
| Average earning assets | $74,895,000 | 3,981 |
| Average equity | $5,680,500 | 4,228 |
| Average total loans | $50,048,500 | 3,844 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8954% | 2,289 |
| Cost of funding earning assets | 0.9055% | 3,514 |
| Net interest margin | 3.9899% | 1,223 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.3220% | 2,792 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.8741% | 546 |
| Return on assets (ROA) | 1.8778% | 525 |
| Pretax return on assets | 1.9594% | 711 |
| Return on Equity (ROE) | 28.7800% | 202 |
| Retained earnings to average equity (ytd only) | 11.6038% | 683 |
| Net charge-offs to loans | -0.0552% | 4,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.2823% | 3,657 |
| Assets per employee ($millions) | 6.3508% | 2,513 |
| Cash dividends to net income (ytd only)* | 59.6873% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6699% | 716 |
| Loan loss allowance to noncurrent loans | 294.4444% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 1,460 |
| Noncurrent loans to loans | 0.5672% | 1,379 |
| Net loans and leases to total assets | 65.5200% | 2,309 |
| Net loans and leases to deposits | 70.9735% | 2,818 |
| Net loans and leases to core deposits | 77.3852% | 2,888 |
| Total domestic deposits to total assets | 92.3100% | 263 |
| Equity capital to assets | 7.5318% | 3,702 |
| Core capital (leverage) ratio | 10.7337% | 2,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8309% | 1,926 |
| Memoranda: | ||
| Average total assets | $78,338,400 | 4,030 |
| Average earning assets | $74,989,000 | 3,981 |
| Average equity | $5,110,400 | 4,248 |
| Average total loans | $48,943,400 | 3,856 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9131% | 2,031 |
| Cost of funding earning assets | 0.8336% | 3,444 |
| Net interest margin | 4.0796% | 1,095 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.2636% | 2,908 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.0237% | 486 |
| Return on assets (ROA) | 2.0286% | 474 |
| Pretax return on assets | 2.1165% | 636 |
| Return on Equity (ROE) | 32.3000% | 187 |
| Retained earnings to average equity (ytd only) | 16.5552% | 419 |
| Net charge-offs to loans | -0.0247% | 4,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.7388% | 3,776 |
| Assets per employee ($millions) | 6.5784% | 2,268 |
| Cash dividends to net income (ytd only)* | 48.7500% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 822 |
| Loan loss allowance to noncurrent loans | 1,976.1905% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 3,272 |
| Noncurrent loans to loans | 0.0826% | 3,169 |
| Net loans and leases to total assets | 63.3300% | 2,525 |
| Net loans and leases to deposits | 67.3148% | 3,031 |
| Net loans and leases to core deposits | 73.2556% | 3,040 |
| Total domestic deposits to total assets | 94.0800% | 183 |
| Equity capital to assets | 5.7676% | 4,063 |
| Core capital (leverage) ratio | 10.4386% | 2,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5038% | 2,074 |
| Memoranda: | ||
| Average total assets | $78,870,500 | 4,042 |
| Average earning assets | $75,496,500 | 3,991 |
| Average equity | $4,953,000 | 4,276 |
| Average total loans | $48,484,250 | 3,871 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7459% | 2,118 |
| Cost of funding earning assets | 0.7460% | 3,360 |
| Net interest margin | 3.9999% | 1,242 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.2804% | 2,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9154% | 545 |
| Return on assets (ROA) | 1.9227% | 533 |
| Pretax return on assets | 2.0039% | 743 |
| Return on Equity (ROE) | 29.8100% | 213 |
| Retained earnings to average equity (ytd only) | 18.2843% | 325 |
| Net charge-offs to loans | -0.0587% | 4,411 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.3215% | 3,661 |
| Assets per employee ($millions) | 6.6878% | 2,142 |
| Cash dividends to net income (ytd only)* | 38.6544% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6668% | 804 |
| Loan loss allowance to noncurrent loans | 13,916.6667% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 3,784 |
| Noncurrent loans to loans | 0.0120% | 3,696 |
| Net loans and leases to total assets | 61.3800% | 2,633 |
| Net loans and leases to deposits | 65.8794% | 3,063 |
| Net loans and leases to core deposits | 70.8451% | 3,076 |
| Total domestic deposits to total assets | 93.1700% | 229 |
| Equity capital to assets | 6.7199% | 3,907 |
| Core capital (leverage) ratio | 10.4102% | 2,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7155% | 1,650 |
| Memoranda: | ||
| Average total assets | $78,847,000 | 4,057 |
| Average earning assets | $75,602,667 | 4,008 |
| Average equity | $5,086,333 | 4,289 |
| Average total loans | $47,704,333 | 3,887 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7037% | 1,843 |
| Cost of funding earning assets | 0.6400% | 3,262 |
| Net interest margin | 4.0638% | 1,153 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.0322% | 3,552 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.2424% | 345 |
| Return on assets (ROA) | 2.2523% | 342 |
| Pretax return on assets | 2.3393% | 451 |
| Return on Equity (ROE) | 35.6800% | 151 |
| Retained earnings to average equity (ytd only) | 11.9197% | 1,286 |
| Net charge-offs to loans | -0.1032% | 4,512 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.5962% | 4,183 |
| Assets per employee ($millions) | 6.2320% | 2,553 |
| Cash dividends to net income (ytd only)* | 66.5909% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7529% | 722 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 57.6300% | 2,897 |
| Net loans and leases to deposits | 61.6039% | 3,249 |
| Net loans and leases to core deposits | 65.9272% | 3,233 |
| Total domestic deposits to total assets | 93.5500% | 220 |
| Equity capital to assets | 6.3518% | 4,079 |
| Core capital (leverage) ratio | 9.9559% | 2,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5743% | 1,770 |
| Memoranda: | ||
| Average total assets | $78,143,500 | 4,127 |
| Average earning assets | $75,004,500 | 4,069 |
| Average equity | $4,933,000 | 4,357 |
| Average total loans | $46,509,000 | 3,955 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3611% | 948 |
| Cost of funding earning assets | 0.2835% | 3,011 |
| Net interest margin | 4.0777% | 692 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.1976% | 3,034 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.7691% | 470 |
| Return on assets (ROA) | 1.7703% | 449 |
| Pretax return on assets | 1.8276% | 687 |
| Return on Equity (ROE) | 25.8100% | 181 |
| Retained earnings to average equity (ytd only) | 9.8627% | 1,204 |
| Net charge-offs to loans | -0.0401% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.2102% | 3,778 |
| Assets per employee ($millions) | 5.7901% | 2,958 |
| Cash dividends to net income (ytd only)* | 61.7875% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8046% | 657 |
| Loan loss allowance to noncurrent loans | 20,525.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 3,865 |
| Noncurrent loans to loans | 0.0088% | 3,796 |
| Net loans and leases to total assets | 59.3500% | 2,695 |
| Net loans and leases to deposits | 63.3535% | 3,096 |
| Net loans and leases to core deposits | 67.2452% | 3,053 |
| Total domestic deposits to total assets | 93.6800% | 278 |
| Equity capital to assets | 6.2707% | 3,986 |
| Core capital (leverage) ratio | 9.9082% | 2,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8941% | 1,656 |
| Memoranda: | ||
| Average total assets | $80,268,200 | 4,128 |
| Average earning assets | $69,844,000 | 4,160 |
| Average equity | $5,505,600 | 4,386 |
| Average total loans | $42,403,800 | 4,021 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2412% | 821 |
| Cost of funding earning assets | 0.2504% | 2,705 |
| Net interest margin | 3.9908% | 648 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.0887% | 3,238 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.7060% | 522 |
| Return on assets (ROA) | 1.7076% | 509 |
| Pretax return on assets | 1.7534% | 806 |
| Return on Equity (ROE) | 24.4100% | 207 |
| Retained earnings to average equity (ytd only) | 10.7328% | 1,124 |
| Net charge-offs to loans | -0.0032% | 3,368 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.8364% | 3,833 |
| Assets per employee ($millions) | 6.1888% | 2,585 |
| Cash dividends to net income (ytd only)* | 56.0345% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8672% | 642 |
| Loan loss allowance to noncurrent loans | 26,833.3333% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 3,984 |
| Noncurrent loans to loans | 0.0070% | 3,902 |
| Net loans and leases to total assets | 52.5900% | 3,225 |
| Net loans and leases to deposits | 55.6604% | 3,507 |
| Net loans and leases to core deposits | 58.4252% | 3,476 |
| Total domestic deposits to total assets | 94.4800% | 293 |
| Equity capital to assets | 5.4777% | 4,137 |
| Core capital (leverage) ratio | 9.2783% | 3,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5982% | 1,845 |
| Memoranda: | ||
| Average total assets | $81,517,500 | 4,139 |
| Average earning assets | $69,223,750 | 4,200 |
| Average equity | $5,702,000 | 4,397 |
| Average total loans | $41,630,750 | 4,058 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 855 |
| Cost of funding earning assets | 0.2227% | 2,616 |
| Net interest margin | 3.8289% | 708 |
| Noninterest income to average assets | 0.4837% | 2,290 |
| Noninterest expense to average assets | 2.0666% | 3,246 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6220% | 524 |
| Return on assets (ROA) | 1.6220% | 508 |
| Pretax return on assets | 1.6514% | 847 |
| Return on Equity (ROE) | 21.6510% | 212 |
| Retained earnings to average equity (ytd only) | 12.1298% | 587 |
| Net charge-offs to loans | -0.1021% | 4,447 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5848% | 3,813 |
| Assets per employee ($millions) | 5.9677% | 2,773 |
| Cash dividends to net income (ytd only)* | 43.9759% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8734% | 705 |
| Loan loss allowance to noncurrent loans | 2,670.0000% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 3,624 |
| Noncurrent loans to loans | 0.0702% | 3,450 |
| Net loans and leases to total assets | 50.2166% | 3,354 |
| Net loans and leases to deposits | 53.5195% | 3,565 |
| Net loans and leases to core deposits | 55.8447% | 3,578 |
| Total domestic deposits to total assets | 93.8287% | 317 |
| Equity capital to assets | 6.1450% | 4,156 |
| Core capital (leverage) ratio | 9.0815% | 3,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5513% | 1,849 |
| Memoranda: | ||
| Average total assets | $81,872,000 | 4,179 |
| Average earning assets | $69,158,333 | 4,257 |
| Average equity | $6,133,667 | 4,401 |
| Average total loans | $41,136,667 | 4,120 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9245% | 885 |
| Cost of funding earning assets | 0.2006% | 2,795 |
| Net interest margin | 3.7238% | 720 |
| Noninterest income to average assets | 0.4936% | 2,176 |
| Noninterest expense to average assets | 1.8955% | 3,695 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5500% | 575 |
| Return on assets (ROA) | 1.5500% | 569 |
| Pretax return on assets | 1.7129% | 665 |
| Return on Equity (ROE) | 18.9342% | 286 |
| Retained earnings to average equity (ytd only) | 1.2663% | 3,759 |
| Net charge-offs to loans | -0.2083% | 4,610 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5308% | 4,160 |
| Assets per employee ($millions) | 5.9034% | 2,893 |
| Cash dividends to net income (ytd only)* | 93.3121% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9853% | 631 |
| Loan loss allowance to noncurrent loans | 2,503.1250% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 3,649 |
| Noncurrent loans to loans | 0.0793% | 3,443 |
| Net loans and leases to total assets | 47.8481% | 3,402 |
| Net loans and leases to deposits | 51.5654% | 3,601 |
| Net loans and leases to core deposits | 53.8562% | 3,600 |
| Total domestic deposits to total assets | 92.7910% | 326 |
| Equity capital to assets | 7.1303% | 4,146 |
| Core capital (leverage) ratio | 8.8329% | 3,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7152% | 1,912 |
| Memoranda: | ||
| Average total assets | $81,034,000 | 4,211 |
| Average earning assets | $67,780,000 | 4,295 |
| Average equity | $6,633,500 | 4,397 |
| Average total loans | $40,327,000 | 4,154 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6383% | 467 |
| Cost of funding earning assets | 0.3255% | 2,159 |
| Net interest margin | 4.3128% | 394 |
| Noninterest income to average assets | 0.4648% | 2,749 |
| Noninterest expense to average assets | 2.2058% | 3,065 |
| Loan and lease loss provision to assets | 0.0642% | 1,784 |
| Net operating income to assets | 1.6346% | 731 |
| Return on assets (ROA) | 1.6383% | 763 |
| Pretax return on assets | 1.7204% | 1,095 |
| Return on Equity (ROE) | 16.9807% | 596 |
| Retained earnings to average equity (ytd only) | 5.3098% | 2,669 |
| Net charge-offs to loans | 0.0561% | 1,235 |
| Credit loss provision to net charge-offs | 238.0952% | 1,200 |
| Earnings coverage of net charge-offs (x) | 66.0476% | 1,115 |
| Efficiency ratio | 55.3301% | 3,782 |
| Assets per employee ($millions) | 5.6729% | 3,093 |
| Cash dividends to net income (ytd only)* | 68.7304% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9351% | 679 |
| Loan loss allowance to noncurrent loans | 2,437.5000% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 3,723 |
| Noncurrent loans to loans | 0.0794% | 3,529 |
| Net loans and leases to total assets | 49.7702% | 3,312 |
| Net loans and leases to deposits | 54.8970% | 3,525 |
| Net loans and leases to core deposits | 57.4978% | 3,514 |
| Total domestic deposits to total assets | 90.6612% | 635 |
| Equity capital to assets | 9.2847% | 3,333 |
| Core capital (leverage) ratio | 8.9927% | 3,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0531% | 1,828 |
| Memoranda: | ||
| Average total assets | $77,886,800 | 4,247 |
| Average earning assets | $63,601,400 | 4,341 |
| Average equity | $7,514,400 | 4,377 |
| Average total loans | $37,443,600 | 4,240 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8788% | 359 |
| Cost of funding earning assets | 0.3528% | 2,093 |
| Net interest margin | 4.5261% | 300 |
| Noninterest income to average assets | 0.4662% | 2,768 |
| Noninterest expense to average assets | 2.1728% | 3,157 |
| Loan and lease loss provision to assets | 0.0426% | 2,143 |
| Net operating income to assets | 1.7998% | 666 |
| Return on assets (ROA) | 1.8063% | 683 |
| Pretax return on assets | 1.8992% | 948 |
| Return on Equity (ROE) | 18.5438% | 564 |
| Retained earnings to average equity (ytd only) | 8.2123% | 1,989 |
| Net charge-offs to loans | 0.1125% | 681 |
| Credit loss provision to net charge-offs | 80.6452% | 1,711 |
| Earnings coverage of net charge-offs (x) | 36.2903% | 1,426 |
| Efficiency ratio | 52.8894% | 3,930 |
| Assets per employee ($millions) | 5.7072% | 2,982 |
| Cash dividends to net income (ytd only)* | 55.7143% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9109% | 751 |
| Loan loss allowance to noncurrent loans | 2,191.1765% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 3,871 |
| Noncurrent loans to loans | 0.0872% | 3,646 |
| Net loans and leases to total assets | 47.8617% | 3,639 |
| Net loans and leases to deposits | 52.9345% | 3,814 |
| Net loans and leases to core deposits | 55.8498% | 3,785 |
| Total domestic deposits to total assets | 90.4169% | 597 |
| Equity capital to assets | 9.5093% | 3,357 |
| Core capital (leverage) ratio | 8.9763% | 3,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6250% | 1,752 |
| Memoranda: | ||
| Average total assets | $77,503,250 | 4,307 |
| Average earning assets | $62,363,250 | 4,415 |
| Average equity | $7,549,500 | 4,435 |
| Average total loans | $36,727,500 | 4,307 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2703% | 224 |
| Cost of funding earning assets | 0.3804% | 2,047 |
| Net interest margin | 4.8899% | 197 |
| Noninterest income to average assets | 0.4407% | 2,898 |
| Noninterest expense to average assets | 2.2763% | 2,839 |
| Loan and lease loss provision to assets | 0.0521% | 1,990 |
| Net operating income to assets | 1.8985% | 588 |
| Return on assets (ROA) | 1.9034% | 613 |
| Pretax return on assets | 2.0051% | 831 |
| Return on Equity (ROE) | 19.3805% | 509 |
| Retained earnings to average equity (ytd only) | 11.6018% | 995 |
| Net charge-offs to loans | 0.1835% | 463 |
| Credit loss provision to net charge-offs | 60.6061% | 1,556 |
| Earnings coverage of net charge-offs (x) | 23.8485% | 1,452 |
| Efficiency ratio | 52.5904% | 3,977 |
| Assets per employee ($millions) | 5.7232% | 2,870 |
| Cash dividends to net income (ytd only)* | 40.1370% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9595% | 657 |
| Loan loss allowance to noncurrent loans | 1,892.3077% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 3,930 |
| Noncurrent loans to loans | 0.1035% | 3,667 |
| Net loans and leases to total assets | 46.0842% | 3,897 |
| Net loans and leases to deposits | 50.9880% | 4,047 |
| Net loans and leases to core deposits | 53.0097% | 4,084 |
| Total domestic deposits to total assets | 90.3825% | 607 |
| Equity capital to assets | 9.5488% | 3,293 |
| Core capital (leverage) ratio | 9.3318% | 3,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0835% | 1,605 |
| Memoranda: | ||
| Average total assets | $76,704,000 | 4,340 |
| Average earning assets | $60,983,000 | 4,463 |
| Average equity | $7,533,333 | 4,463 |
| Average total loans | $35,974,333 | 4,358 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0895% | 96 |
| Cost of funding earning assets | 0.3881% | 2,194 |
| Net interest margin | 5.7014% | 81 |
| Noninterest income to average assets | 0.4214% | 2,982 |
| Noninterest expense to average assets | 2.1068% | 3,402 |
| Loan and lease loss provision to assets | 0.1067% | 1,287 |
| Net operating income to assets | 2.6029% | 230 |
| Return on assets (ROA) | 2.6029% | 253 |
| Pretax return on assets | 2.7522% | 321 |
| Return on Equity (ROE) | 26.1155% | 229 |
| Retained earnings to average equity (ytd only) | 26.1155% | 115 |
| Net charge-offs to loans | -0.0228% | 4,062 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4275% | 4,653 |
| Assets per employee ($millions) | 5.5550% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1755% | 438 |
| Loan loss allowance to noncurrent loans | 1,136.7647% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 3,756 |
| Noncurrent loans to loans | 0.1914% | 3,419 |
| Net loans and leases to total assets | 44.6946% | 4,065 |
| Net loans and leases to deposits | 49.5502% | 4,186 |
| Net loans and leases to core deposits | 52.0056% | 4,193 |
| Total domestic deposits to total assets | 90.2006% | 725 |
| Equity capital to assets | 9.7197% | 2,981 |
| Core capital (leverage) ratio | 9.6653% | 2,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9106% | 1,319 |
| Memoranda: | ||
| Average total assets | $74,993,500 | 4,377 |
| Average earning assets | $59,775,000 | 4,489 |
| Average equity | $7,474,500 | 4,485 |
| Average total loans | $35,130,000 | 4,398 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 2,345 |
| Cost of funding earning assets | 0.5079% | 2,904 |
| Net interest margin | 3.6195% | 2,076 |
| Noninterest income to average assets | 0.4724% | 2,761 |
| Noninterest expense to average assets | 2.3143% | 3,370 |
| Loan and lease loss provision to assets | 0.0725% | 3,480 |
| Net operating income to assets | 1.3651% | 1,097 |
| Return on assets (ROA) | 1.3999% | 1,111 |
| Pretax return on assets | 1.4578% | 1,481 |
| Return on Equity (ROE) | 13.0887% | 1,023 |
| Retained earnings to average equity (ytd only) | 1.1923% | 4,152 |
| Net charge-offs to loans | 0.0584% | 1,944 |
| Credit loss provision to net charge-offs | 250.0000% | 1,939 |
| Earnings coverage of net charge-offs (x) | 51.5500% | 1,168 |
| Efficiency ratio | 60.7686% | 3,353 |
| Assets per employee ($millions) | 5.1584% | 3,211 |
| Cash dividends to net income (ytd only)* | 90.8903% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1625% | 440 |
| Loan loss allowance to noncurrent loans | 1,072.8571% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 3,827 |
| Noncurrent loans to loans | 0.2016% | 3,487 |
| Net loans and leases to total assets | 47.0485% | 4,048 |
| Net loans and leases to deposits | 52.4482% | 4,198 |
| Net loans and leases to core deposits | 55.2642% | 4,192 |
| Total domestic deposits to total assets | 89.7046% | 678 |
| Equity capital to assets | 10.2330% | 2,896 |
| Core capital (leverage) ratio | 9.3334% | 3,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9669% | 1,543 |
| Memoranda: | ||
| Average total assets | $69,006,800 | 4,401 |
| Average earning assets | $63,599,600 | 4,393 |
| Average equity | $7,380,400 | 4,490 |
| Average total loans | $34,266,200 | 4,426 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1138% | 2,645 |
| Cost of funding earning assets | 0.5214% | 3,105 |
| Net interest margin | 3.5923% | 2,298 |
| Noninterest income to average assets | 0.4731% | 2,728 |
| Noninterest expense to average assets | 2.3302% | 3,341 |
| Loan and lease loss provision to assets | 0.0982% | 3,098 |
| Net operating income to assets | 1.4094% | 1,080 |
| Return on assets (ROA) | 1.4544% | 1,073 |
| Pretax return on assets | 1.5131% | 1,425 |
| Return on Equity (ROE) | 13.4450% | 989 |
| Retained earnings to average equity (ytd only) | 4.6263% | 2,727 |
| Net charge-offs to loans | 0.0703% | 1,615 |
| Credit loss provision to net charge-offs | 277.7778% | 1,834 |
| Earnings coverage of net charge-offs (x) | 44.4444% | 1,281 |
| Efficiency ratio | 59.8394% | 3,410 |
| Assets per employee ($millions) | 5.5258% | 2,684 |
| Cash dividends to net income (ytd only)* | 65.5914% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1548% | 379 |
| Loan loss allowance to noncurrent loans | 1,017.5676% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 3,917 |
| Noncurrent loans to loans | 0.2118% | 3,536 |
| Net loans and leases to total assets | 47.5973% | 4,231 |
| Net loans and leases to deposits | 53.2486% | 4,366 |
| Net loans and leases to core deposits | 56.1242% | 4,379 |
| Total domestic deposits to total assets | 89.3869% | 623 |
| Equity capital to assets | 10.5365% | 2,762 |
| Core capital (leverage) ratio | 9.6481% | 3,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2773% | 1,735 |
| Memoranda: | ||
| Average total assets | $68,204,250 | 4,421 |
| Average earning assets | $64,951,250 | 4,387 |
| Average equity | $7,378,000 | 4,510 |
| Average total loans | $34,150,750 | 4,461 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3605% | 2,314 |
| Cost of funding earning assets | 0.5699% | 3,126 |
| Net interest margin | 3.7906% | 1,864 |
| Noninterest income to average assets | 0.4687% | 2,719 |
| Noninterest expense to average assets | 2.3763% | 3,320 |
| Loan and lease loss provision to assets | 0.1493% | 2,513 |
| Net operating income to assets | 1.4807% | 955 |
| Return on assets (ROA) | 1.4807% | 1,038 |
| Pretax return on assets | 1.5375% | 1,372 |
| Return on Equity (ROE) | 13.5624% | 959 |
| Retained earnings to average equity (ytd only) | 5.5507% | 2,257 |
| Net charge-offs to loans | 0.1062% | 1,228 |
| Credit loss provision to net charge-offs | 277.7778% | 1,673 |
| Earnings coverage of net charge-offs (x) | 31.3889% | 1,396 |
| Efficiency ratio | 58.4864% | 3,632 |
| Assets per employee ($millions) | 5.6322% | 2,512 |
| Cash dividends to net income (ytd only)* | 59.0726% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1858% | 345 |
| Loan loss allowance to noncurrent loans | 801.0638% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 3,885 |
| Noncurrent loans to loans | 0.2729% | 3,407 |
| Net loans and leases to total assets | 46.0215% | 4,368 |
| Net loans and leases to deposits | 51.3659% | 4,469 |
| Net loans and leases to core deposits | 55.2421% | 4,456 |
| Total domestic deposits to total assets | 89.5955% | 533 |
| Equity capital to assets | 10.3281% | 2,905 |
| Core capital (leverage) ratio | 10.0951% | 2,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7502% | 1,558 |
| Memoranda: | ||
| Average total assets | $66,993,667 | 4,444 |
| Average earning assets | $63,525,000 | 4,415 |
| Average equity | $7,314,333 | 4,539 |
| Average total loans | $33,886,000 | 4,482 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3298% | 2,826 |
| Cost of funding earning assets | 0.6485% | 3,176 |
| Net interest margin | 3.6813% | 2,391 |
| Noninterest income to average assets | 0.5197% | 2,444 |
| Noninterest expense to average assets | 2.3105% | 3,750 |
| Loan and lease loss provision to assets | 0.0626% | 2,980 |
| Net operating income to assets | 1.6155% | 607 |
| Return on assets (ROA) | 1.6155% | 668 |
| Pretax return on assets | 1.6656% | 920 |
| Return on Equity (ROE) | 14.3523% | 638 |
| Retained earnings to average equity (ytd only) | -1.9470% | 4,244 |
| Net charge-offs to loans | 0.0119% | 2,153 |
| Credit loss provision to net charge-offs | 1,000.0000% | 564 |
| Earnings coverage of net charge-offs (x) | 276.0000% | 256 |
| Efficiency ratio | 57.2093% | 4,093 |
| Assets per employee ($millions) | 5.1336% | 2,492 |
| Cash dividends to net income (ytd only)* | 113.5659% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2203% | 364 |
| Loan loss allowance to noncurrent loans | 752.5773% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 3,916 |
| Noncurrent loans to loans | 0.2950% | 3,446 |
| Net loans and leases to total assets | 48.1727% | 4,326 |
| Net loans and leases to deposits | 54.1183% | 4,440 |
| Net loans and leases to core deposits | 60.9598% | 4,317 |
| Total domestic deposits to total assets | 89.0136% | 654 |
| Equity capital to assets | 10.8740% | 2,968 |
| Core capital (leverage) ratio | 10.3813% | 3,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9717% | 1,607 |
| Memoranda: | ||
| Average total assets | $63,881,500 | 4,504 |
| Average earning assets | $61,065,000 | 4,466 |
| Average equity | $7,190,500 | 4,584 |
| Average total loans | $33,604,500 | 4,514 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6001% | 2,615 |
| Cost of funding earning assets | 0.6904% | 3,206 |
| Net interest margin | 3.9097% | 2,139 |
| Noninterest income to average assets | 0.4656% | 2,926 |
| Noninterest expense to average assets | 2.5315% | 3,363 |
| Loan and lease loss provision to assets | 0.0570% | 2,894 |
| Net operating income to assets | 1.5344% | 975 |
| Return on assets (ROA) | 1.5547% | 990 |
| Pretax return on assets | 1.6133% | 1,446 |
| Return on Equity (ROE) | 13.7323% | 953 |
| Retained earnings to average equity (ytd only) | 1.1072% | 4,352 |
| Net charge-offs to loans | 0.0028% | 3,585 |
| Credit loss provision to net charge-offs | 3,500.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 1,013.0000% | 99 |
| Efficiency ratio | 60.5530% | 3,615 |
| Assets per employee ($millions) | 4.6943% | 2,954 |
| Cash dividends to net income (ytd only)* | 91.9372% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1002% | 393 |
| Loan loss allowance to noncurrent loans | 655.4545% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 3,749 |
| Noncurrent loans to loans | 0.3204% | 3,289 |
| Net loans and leases to total assets | 55.0732% | 3,992 |
| Net loans and leases to deposits | 62.4088% | 4,174 |
| Net loans and leases to core deposits | 70.4636% | 3,938 |
| Total domestic deposits to total assets | 88.2460% | 1,004 |
| Equity capital to assets | 11.6737% | 2,371 |
| Core capital (leverage) ratio | 10.6845% | 2,772 |
| Tier 1 risk-based capital ratio | 15.0397% | 2,768 |
| Total risk-based capital ratio | 16.2944% | 2,699 |
| Memoranda: | ||
| Average total assets | $61,425,000 | 4,577 |
| Average earning assets | $58,367,800 | 4,552 |
| Average equity | $6,954,400 | 4,647 |
| Average total loans | $35,145,400 | 4,530 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6109% | 2,690 |
| Cost of funding earning assets | 0.6900% | 3,261 |
| Net interest margin | 3.9209% | 2,189 |
| Noninterest income to average assets | 0.4659% | 2,922 |
| Noninterest expense to average assets | 2.5117% | 3,403 |
| Loan and lease loss provision to assets | 0.0759% | 2,377 |
| Net operating income to assets | 1.5434% | 1,079 |
| Return on assets (ROA) | 1.5560% | 1,097 |
| Pretax return on assets | 1.6101% | 1,600 |
| Return on Equity (ROE) | 13.8500% | 1,013 |
| Retained earnings to average equity (ytd only) | 2.5655% | 4,066 |
| Net charge-offs to loans | -0.0076% | 4,308 |
| Credit loss provision to net charge-offs | -1,750.0000% | 4,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0207% | 3,645 |
| Assets per employee ($millions) | 4.8632% | 2,720 |
| Cash dividends to net income (ytd only)* | 81.4762% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1478% | 362 |
| Loan loss allowance to noncurrent loans | 635.0877% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 3,855 |
| Noncurrent loans to loans | 0.3382% | 3,325 |
| Net loans and leases to total assets | 52.1741% | 4,307 |
| Net loans and leases to deposits | 58.9313% | 4,431 |
| Net loans and leases to core deposits | 65.6797% | 4,298 |
| Total domestic deposits to total assets | 88.5339% | 811 |
| Equity capital to assets | 11.3649% | 2,781 |
| Core capital (leverage) ratio | 10.7706% | 2,866 |
| Tier 1 risk-based capital ratio | 15.3070% | 2,709 |
| Total risk-based capital ratio | 16.5624% | 2,639 |
| Memoranda: | ||
| Average total assets | $61,524,750 | 4,633 |
| Average earning assets | $58,353,000 | 4,604 |
| Average equity | $6,912,000 | 4,709 |
| Average total loans | $35,349,250 | 4,582 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5857% | 2,720 |
| Cost of funding earning assets | 0.6817% | 3,267 |
| Net interest margin | 3.9040% | 2,229 |
| Noninterest income to average assets | 0.4528% | 2,944 |
| Noninterest expense to average assets | 2.5361% | 3,365 |
| Loan and lease loss provision to assets | 0.0656% | 2,507 |
| Net operating income to assets | 1.5260% | 1,071 |
| Return on assets (ROA) | 1.5387% | 1,091 |
| Pretax return on assets | 1.5847% | 1,590 |
| Return on Equity (ROE) | 13.7516% | 1,035 |
| Retained earnings to average equity (ytd only) | 5.1605% | 2,692 |
| Net charge-offs to loans | -0.0223% | 4,582 |
| Credit loss provision to net charge-offs | -500.0000% | 4,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7704% | 3,618 |
| Assets per employee ($millions) | 5.2188% | 2,239 |
| Cash dividends to net income (ytd only)* | 62.4733% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9990% | 480 |
| Loan loss allowance to noncurrent loans | 592.5000% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 3,814 |
| Noncurrent loans to loans | 0.3374% | 3,332 |
| Net loans and leases to total assets | 55.6599% | 4,092 |
| Net loans and leases to deposits | 62.8790% | 4,285 |
| Net loans and leases to core deposits | 71.4444% | 4,036 |
| Total domestic deposits to total assets | 88.5190% | 871 |
| Equity capital to assets | 11.3916% | 2,707 |
| Core capital (leverage) ratio | 11.1378% | 2,470 |
| Tier 1 risk-based capital ratio | 15.2067% | 2,746 |
| Total risk-based capital ratio | 16.4616% | 2,680 |
| Memoranda: | ||
| Average total assets | $60,959,330 | 4,676 |
| Average earning assets | $58,094,000 | 4,643 |
| Average equity | $6,821,000 | 4,748 |
| Average total loans | $35,896,000 | 4,594 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6079% | 2,504 |
| Cost of funding earning assets | 0.6553% | 3,295 |
| Net interest margin | 3.9526% | 2,012 |
| Noninterest income to average assets | 0.4590% | 2,801 |
| Noninterest expense to average assets | 2.4349% | 3,671 |
| Loan and lease loss provision to assets | 0.0998% | 1,762 |
| Net operating income to assets | 1.6698% | 777 |
| Return on assets (ROA) | 1.6698% | 808 |
| Pretax return on assets | 1.6964% | 1,216 |
| Return on Equity (ROE) | 15.0649% | 735 |
| Retained earnings to average equity (ytd only) | -2.5208% | 4,781 |
| Net charge-offs to loans | -0.0222% | 4,526 |
| Credit loss provision to net charge-offs | -750.0000% | 3,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5472% | 4,143 |
| Assets per employee ($millions) | 5.5590% | 1,931 |
| Cash dividends to net income (ytd only)* | 116.7331% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9759% | 527 |
| Loan loss allowance to noncurrent loans | 137.2320% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.8389% | 1,691 |
| Noncurrent loans to loans | 1.4398% | 1,122 |
| Net loans and leases to total assets | 57.1162% | 3,979 |
| Net loans and leases to deposits | 64.3098% | 4,162 |
| Net loans and leases to core deposits | 73.2693% | 3,841 |
| Total domestic deposits to total assets | 88.8142% | 953 |
| Equity capital to assets | 11.0746% | 2,775 |
| Core capital (leverage) ratio | 11.1974% | 2,396 |
| Tier 1 risk-based capital ratio | 9.9918% | 5,286 |
| Total risk-based capital ratio | 11.0428% | 5,283 |
| Memoranda: | ||
| Average total assets | $60,126,500 | 4,745 |
| Average earning assets | $57,380,000 | 4,710 |
| Average equity | $6,664,500 | 4,801 |
| Average total loans | $36,060,000 | 4,638 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5448% | 2,317 |
| Cost of funding earning assets | 0.5082% | 3,300 |
| Net interest margin | 4.0367% | 1,861 |
| Noninterest income to average assets | 0.5465% | 2,571 |
| Noninterest expense to average assets | 2.5619% | 3,434 |
| Loan and lease loss provision to assets | 0.3074% | 526 |
| Net operating income to assets | 1.4626% | 1,227 |
| Return on assets (ROA) | 1.4757% | 1,177 |
| Pretax return on assets | 1.5303% | 1,678 |
| Return on Equity (ROE) | 13.2151% | 1,263 |
| Retained earnings to average equity (ytd only) | 1.2848% | 4,621 |
| Net charge-offs to loans | 0.0332% | 2,740 |
| Credit loss provision to net charge-offs | 1,500.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 802 |
| Efficiency ratio | 58.4112% | 4,097 |
| Assets per employee ($millions) | 4.9253% | 2,586 |
| Cash dividends to net income (ytd only)* | 90.2778% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8827% | 591 |
| Loan loss allowance to noncurrent loans | 536.7188% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 3,739 |
| Noncurrent loans to loans | 0.3508% | 3,285 |
| Net loans and leases to total assets | 60.5763% | 3,706 |
| Net loans and leases to deposits | 68.1988% | 3,964 |
| Net loans and leases to core deposits | 76.8090% | 3,653 |
| Total domestic deposits to total assets | 88.8231% | 938 |
| Equity capital to assets | 11.0940% | 2,598 |
| Core capital (leverage) ratio | 11.5131% | 2,094 |
| Tier 1 risk-based capital ratio | 10.0201% | 5,298 |
| Total risk-based capital ratio | 11.0423% | 5,309 |
| Memoranda: | ||
| Average total assets | $58,549,400 | 4,788 |
| Average earning assets | $55,689,600 | 4,754 |
| Average equity | $6,538,000 | 4,820 |
| Average total loans | $36,168,800 | 4,656 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5309% | 2,189 |
| Cost of funding earning assets | 0.4826% | 3,314 |
| Net interest margin | 4.0482% | 1,798 |
| Noninterest income to average assets | 0.5570% | 2,534 |
| Noninterest expense to average assets | 2.5725% | 3,371 |
| Loan and lease loss provision to assets | 0.3652% | 362 |
| Net operating income to assets | 1.4203% | 1,414 |
| Return on assets (ROA) | 1.4381% | 1,369 |
| Pretax return on assets | 1.4860% | 1,948 |
| Return on Equity (ROE) | 12.8570% | 1,484 |
| Retained earnings to average equity (ytd only) | 2.8979% | 4,272 |
| Net charge-offs to loans | 0.0296% | 2,503 |
| Credit loss provision to net charge-offs | 2,000.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 100.3411% | 749 |
| Efficiency ratio | 58.3938% | 4,059 |
| Assets per employee ($millions) | 4.6805% | 2,870 |
| Cash dividends to net income (ytd only)* | 77.4602% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8975% | 599 |
| Loan loss allowance to noncurrent loans | 127.8095% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.9347% | 1,570 |
| Noncurrent loans to loans | 1.4846% | 1,098 |
| Net loans and leases to total assets | 61.7669% | 3,679 |
| Net loans and leases to deposits | 69.8211% | 3,928 |
| Net loans and leases to core deposits | 78.7434% | 3,597 |
| Total domestic deposits to total assets | 88.4646% | 1,062 |
| Equity capital to assets | 11.4446% | 2,306 |
| Core capital (leverage) ratio | 11.6337% | 2,059 |
| Tier 1 risk-based capital ratio | 12.3459% | 4,288 |
| Total risk-based capital ratio | 13.5656% | 4,200 |
| Memoranda: | ||
| Average total assets | $58,410,750 | 4,842 |
| Average earning assets | $55,528,750 | 4,811 |
| Average equity | $6,533,250 | 4,876 |
| Average total loans | $36,088,500 | 4,706 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4658% | 2,196 |
| Cost of funding earning assets | 0.4558% | 3,316 |
| Net interest margin | 4.0099% | 1,827 |
| Noninterest income to average assets | 0.5274% | 2,709 |
| Noninterest expense to average assets | 2.5727% | 3,407 |
| Loan and lease loss provision to assets | 0.3888% | 318 |
| Net operating income to assets | 1.3362% | 1,645 |
| Return on assets (ROA) | 1.3624% | 1,563 |
| Pretax return on assets | 1.3996% | 2,147 |
| Return on Equity (ROE) | 12.2710% | 1,631 |
| Retained earnings to average equity (ytd only) | 3.3494% | 3,906 |
| Net charge-offs to loans | 0.0385% | 2,078 |
| Credit loss provision to net charge-offs | 1,642.8571% | 257 |
| Earnings coverage of net charge-offs (x) | 74.4286% | 865 |
| Efficiency ratio | 59.3604% | 4,031 |
| Assets per employee ($millions) | 5.0014% | 2,419 |
| Cash dividends to net income (ytd only)* | 72.7047% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7397% | 837 |
| Loan loss allowance to noncurrent loans | 454.3478% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.2299% | 3,853 |
| Noncurrent loans to loans | 0.3829% | 3,324 |
| Net loans and leases to total assets | 59.0066% | 3,900 |
| Net loans and leases to deposits | 66.2824% | 4,151 |
| Net loans and leases to core deposits | 74.8647% | 3,818 |
| Total domestic deposits to total assets | 89.0231% | 923 |
| Equity capital to assets | 10.9052% | 2,726 |
| Core capital (leverage) ratio | 11.5633% | 2,020 |
| Tier 1 risk-based capital ratio | 12.0291% | 4,476 |
| Total risk-based capital ratio | 13.1448% | 4,445 |
| Memoranda: | ||
| Average total assets | $59,159,000 | 4,884 |
| Average earning assets | $56,160,330 | 4,855 |
| Average equity | $6,568,330 | 4,913 |
| Average total loans | $36,330,330 | 4,744 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4619% | 1,986 |
| Cost of funding earning assets | 0.4376% | 3,308 |
| Net interest margin | 4.0243% | 1,643 |
| Noninterest income to average assets | 0.5381% | 2,588 |
| Noninterest expense to average assets | 2.3906% | 3,971 |
| Loan and lease loss provision to assets | 0.2043% | 808 |
| Net operating income to assets | 1.6845% | 702 |
| Return on assets (ROA) | 1.7368% | 643 |
| Pretax return on assets | 1.8185% | 879 |
| Return on Equity (ROE) | 15.5015% | 704 |
| Retained earnings to average equity (ytd only) | -2.3100% | 5,036 |
| Net charge-offs to loans | 0.0219% | 2,064 |
| Credit loss provision to net charge-offs | 1,500.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 144.5000% | 445 |
| Efficiency ratio | 54.8438% | 4,704 |
| Assets per employee ($millions) | 4.9780% | 2,515 |
| Cash dividends to net income (ytd only)* | 114.9020% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5056% | 1,445 |
| Loan loss allowance to noncurrent loans | 382.5175% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.2394% | 3,912 |
| Noncurrent loans to loans | 0.3936% | 3,377 |
| Net loans and leases to total assets | 59.9019% | 3,757 |
| Net loans and leases to deposits | 67.1981% | 4,010 |
| Net loans and leases to core deposits | 76.1665% | 3,656 |
| Total domestic deposits to total assets | 89.1422% | 1,031 |
| Equity capital to assets | 10.7439% | 2,825 |
| Core capital (leverage) ratio | 11.2241% | 2,227 |
| Tier 1 risk-based capital ratio | 11.6222% | 4,790 |
| Total risk-based capital ratio | 12.5837% | 4,853 |
| Memoranda: | ||
| Average total assets | $58,730,000 | 4,953 |
| Average earning assets | $55,761,500 | 4,916 |
| Average equity | $6,580,000 | 4,963 |
| Average total loans | $36,475,000 | 4,790 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5238% | 1,637 |
| Cost of funding earning assets | 0.4028% | 3,229 |
| Net interest margin | 4.1210% | 1,370 |
| Noninterest income to average assets | 0.5333% | 2,805 |
| Noninterest expense to average assets | 2.5848% | 3,491 |
| Loan and lease loss provision to assets | 0.1783% | 1,213 |
| Net operating income to assets | 1.6252% | 621 |
| Return on assets (ROA) | 1.6779% | 567 |
| Pretax return on assets | 1.7339% | 927 |
| Return on Equity (ROE) | 14.6098% | 674 |
| Retained earnings to average equity (ytd only) | 1.6414% | 4,321 |
| Net charge-offs to loans | 0.2367% | 1,094 |
| Credit loss provision to net charge-offs | 120.6897% | 2,165 |
| Earnings coverage of net charge-offs (x) | 12.5747% | 2,462 |
| Efficiency ratio | 58.1804% | 4,503 |
| Assets per employee ($millions) | 4.1231% | 3,777 |
| Cash dividends to net income (ytd only)* | 88.7652% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 1,698 |
| Loan loss allowance to noncurrent loans | 95.5801% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.9407% | 1,652 |
| Noncurrent loans to loans | 1.4828% | 1,154 |
| Net loans and leases to total assets | 62.5407% | 3,549 |
| Net loans and leases to deposits | 70.8822% | 3,804 |
| Net loans and leases to core deposits | 79.1428% | 3,494 |
| Total domestic deposits to total assets | 88.2319% | 1,384 |
| Equity capital to assets | 11.6797% | 2,052 |
| Core capital (leverage) ratio | 11.2699% | 2,113 |
| Tier 1 risk-based capital ratio | 11.5996% | 4,791 |
| Total risk-based capital ratio | 12.5050% | 4,887 |
| Memoranda: | ||
| Average total assets | $58,883,200 | 4,986 |
| Average earning assets | $55,860,400 | 4,955 |
| Average equity | $6,762,600 | 4,985 |
| Average total loans | $36,753,400 | 4,828 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 1,739 |
| Cost of funding earning assets | 0.3991% | 3,201 |
| Net interest margin | 4.0672% | 1,491 |
| Noninterest income to average assets | 0.5295% | 2,840 |
| Noninterest expense to average assets | 2.5484% | 3,573 |
| Loan and lease loss provision to assets | 0.1352% | 1,599 |
| Net operating income to assets | 1.6560% | 633 |
| Return on assets (ROA) | 1.7237% | 568 |
| Pretax return on assets | 1.7733% | 951 |
| Return on Equity (ROE) | 15.0710% | 641 |
| Retained earnings to average equity (ytd only) | 3.5461% | 3,801 |
| Net charge-offs to loans | 0.0471% | 2,500 |
| Credit loss provision to net charge-offs | 461.5385% | 691 |
| Earnings coverage of net charge-offs (x) | 62.7796% | 964 |
| Efficiency ratio | 58.0894% | 4,489 |
| Assets per employee ($millions) | 4.2184% | 3,613 |
| Cash dividends to net income (ytd only)* | 76.4709% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 1,580 |
| Loan loss allowance to noncurrent loans | 93.0390% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.9973% | 1,706 |
| Noncurrent loans to loans | 1.5994% | 1,147 |
| Net loans and leases to total assets | 61.4305% | 3,728 |
| Net loans and leases to deposits | 69.6093% | 3,992 |
| Net loans and leases to core deposits | 77.5922% | 3,674 |
| Total domestic deposits to total assets | 88.2503% | 1,230 |
| Equity capital to assets | 11.6548% | 2,227 |
| Core capital (leverage) ratio | 11.0243% | 2,436 |
| Tier 1 risk-based capital ratio | 11.5133% | 4,957 |
| Total risk-based capital ratio | 12.4531% | 5,030 |
| Memoranda: | ||
| Average total assets | $59,173,000 | 5,036 |
| Average earning assets | $56,122,250 | 5,001 |
| Average equity | $6,767,750 | 5,038 |
| Average total loans | $36,786,750 | 4,873 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3995% | 1,813 |
| Cost of funding earning assets | 0.3847% | 3,240 |
| Net interest margin | 4.0148% | 1,559 |
| Noninterest income to average assets | 0.4763% | 3,173 |
| Noninterest expense to average assets | 2.5333% | 3,638 |
| Loan and lease loss provision to assets | 0.1013% | 1,992 |
| Net operating income to assets | 1.6130% | 679 |
| Return on assets (ROA) | 1.7024% | 571 |
| Pretax return on assets | 1.7395% | 965 |
| Return on Equity (ROE) | 14.9792% | 663 |
| Retained earnings to average equity (ytd only) | 6.2711% | 1,979 |
| Net charge-offs to loans | 0.1632% | 1,190 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 17.2667% | 1,933 |
| Efficiency ratio | 59.1483% | 4,446 |
| Assets per employee ($millions) | 3.9244% | 4,090 |
| Cash dividends to net income (ytd only)* | 58.1349% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 2,161 |
| Loan loss allowance to noncurrent loans | 95.0664% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 0.8393% | 2,111 |
| Noncurrent loans to loans | 1.4227% | 1,340 |
| Net loans and leases to total assets | 58.1940% | 4,007 |
| Net loans and leases to deposits | 65.5015% | 4,260 |
| Net loans and leases to core deposits | 73.3543% | 3,992 |
| Total domestic deposits to total assets | 88.8438% | 1,037 |
| Equity capital to assets | 11.0782% | 2,725 |
| Core capital (leverage) ratio | 11.2740% | 2,152 |
| Tier 1 risk-based capital ratio | 11.1545% | 5,176 |
| Total risk-based capital ratio | 11.9831% | 5,296 |
| Memoranda: | ||
| Average total assets | $59,211,670 | 5,072 |
| Average earning assets | $56,142,670 | 5,047 |
| Average equity | $6,729,330 | 5,070 |
| Average total loans | $36,773,330 | 4,905 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4500% | 1,499 |
| Cost of funding earning assets | 0.3886% | 3,112 |
| Net interest margin | 4.0615% | 1,317 |
| Noninterest income to average assets | 0.5433% | 2,692 |
| Noninterest expense to average assets | 2.3614% | 4,226 |
| Loan and lease loss provision to assets | 0.1045% | 1,829 |
| Net operating income to assets | 1.9296% | 347 |
| Return on assets (ROA) | 2.0689% | 283 |
| Pretax return on assets | 2.0758% | 433 |
| Return on Equity (ROE) | 17.9565% | 345 |
| Retained earnings to average equity (ytd only) | 0.2418% | 4,857 |
| Net charge-offs to loans | 0.0218% | 2,339 |
| Credit loss provision to net charge-offs | 750.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 146.5000% | 373 |
| Efficiency ratio | 53.6392% | 5,165 |
| Assets per employee ($millions) | 3.8841% | 4,207 |
| Cash dividends to net income (ytd only)* | 98.6532% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 2,030 |
| Loan loss allowance to noncurrent loans | 114.7321% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.7690% | 2,379 |
| Noncurrent loans to loans | 1.2301% | 1,646 |
| Net loans and leases to total assets | 61.6296% | 3,589 |
| Net loans and leases to deposits | 69.6109% | 3,840 |
| Net loans and leases to core deposits | 75.9867% | 3,651 |
| Total domestic deposits to total assets | 88.5344% | 1,405 |
| Equity capital to assets | 11.3953% | 2,263 |
| Core capital (leverage) ratio | 11.0367% | 2,324 |
| Tier 1 risk-based capital ratio | 10.9442% | 5,337 |
| Total risk-based capital ratio | 11.8040% | 5,439 |
| Memoranda: | ||
| Average total assets | $57,422,500 | 5,165 |
| Average earning assets | $54,561,500 | 5,130 |
| Average equity | $6,616,000 | 5,137 |
| Average total loans | $36,639,500 | 4,953 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 2,117 |
| Cost of funding earning assets | 0.3729% | 3,289 |
| Net interest margin | 3.9334% | 1,841 |
| Noninterest income to average assets | 0.4710% | 3,404 |
| Noninterest expense to average assets | 2.5953% | 3,684 |
| Loan and lease loss provision to assets | 0.1729% | 1,403 |
| Net operating income to assets | 1.3746% | 1,054 |
| Return on assets (ROA) | 1.3635% | 1,120 |
| Pretax return on assets | 1.4261% | 1,831 |
| Return on Equity (ROE) | 12.0202% | 1,239 |
| Retained earnings to average equity (ytd only) | -0.1597% | 5,329 |
| Net charge-offs to loans | 0.5574% | 421 |
| Credit loss provision to net charge-offs | 50.9709% | 3,366 |
| Earnings coverage of net charge-offs (x) | 4.7476% | 3,454 |
| Efficiency ratio | 61.7071% | 4,308 |
| Assets per employee ($millions) | 3.7723% | 4,359 |
| Cash dividends to net income (ytd only)* | 101.3285% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 2,264 |
| Loan loss allowance to noncurrent loans | 115.9722% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.7635% | 2,443 |
| Noncurrent loans to loans | 1.1720% | 1,753 |
| Net loans and leases to total assets | 64.2549% | 3,324 |
| Net loans and leases to deposits | 72.7800% | 3,636 |
| Net loans and leases to core deposits | 81.3251% | 3,280 |
| Total domestic deposits to total assets | 88.2864% | 1,495 |
| Equity capital to assets | 11.6517% | 2,040 |
| Core capital (leverage) ratio | 11.1830% | 2,182 |
| Tier 1 risk-based capital ratio | 13.7549% | 3,607 |
| Total risk-based capital ratio | 14.8090% | 3,640 |
| Memoranda: | ||
| Average total assets | $60,726,000 | 5,122 |
| Average earning assets | $57,660,400 | 5,084 |
| Average equity | $6,888,400 | 5,115 |
| Average total loans | $36,954,400 | 4,984 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2606% | 2,300 |
| Cost of funding earning assets | 0.3683% | 3,349 |
| Net interest margin | 3.8923% | 1,998 |
| Noninterest income to average assets | 0.4663% | 3,450 |
| Noninterest expense to average assets | 2.6359% | 3,550 |
| Loan and lease loss provision to assets | 0.1619% | 1,429 |
| Net operating income to assets | 1.3055% | 1,277 |
| Return on assets (ROA) | 1.2909% | 1,423 |
| Pretax return on assets | 1.3492% | 2,243 |
| Return on Equity (ROE) | 11.4519% | 1,507 |
| Retained earnings to average equity (ytd only) | 0.1533% | 5,302 |
| Net charge-offs to loans | 0.6815% | 276 |
| Credit loss provision to net charge-offs | 39.6825% | 3,150 |
| Earnings coverage of net charge-offs (x) | 3.7408% | 3,368 |
| Efficiency ratio | 63.3299% | 4,025 |
| Assets per employee ($millions) | 3.8424% | 4,231 |
| Cash dividends to net income (ytd only)* | 98.6630% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3331% | 2,520 |
| Loan loss allowance to noncurrent loans | 103.8217% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.8172% | 2,504 |
| Noncurrent loans to loans | 1.2840% | 1,741 |
| Net loans and leases to total assets | 62.7958% | 3,545 |
| Net loans and leases to deposits | 71.5234% | 3,840 |
| Net loans and leases to core deposits | 80.4146% | 3,404 |
| Total domestic deposits to total assets | 87.7976% | 1,507 |
| Equity capital to assets | 12.1105% | 2,032 |
| Core capital (leverage) ratio | 10.4861% | 3,011 |
| Tier 1 risk-based capital ratio | 14.0602% | 3,529 |
| Total risk-based capital ratio | 15.1104% | 3,558 |
| Memoranda: | ||
| Average total assets | $61,761,500 | 5,148 |
| Average earning assets | $58,644,500 | 5,100 |
| Average equity | $6,962,250 | 5,144 |
| Average total loans | $36,978,250 | 5,029 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1826% | 2,565 |
| Cost of funding earning assets | 0.3499% | 3,567 |
| Net interest margin | 3.8327% | 2,201 |
| Noninterest income to average assets | 0.4181% | 3,758 |
| Noninterest expense to average assets | 2.6736% | 3,472 |
| Loan and lease loss provision to assets | 0.0950% | 2,257 |
| Net operating income to assets | 1.2366% | 1,477 |
| Return on assets (ROA) | 1.2639% | 1,498 |
| Pretax return on assets | 1.3209% | 2,322 |
| Return on Equity (ROE) | 11.4716% | 1,484 |
| Retained earnings to average equity (ytd only) | 3.0476% | 3,976 |
| Net charge-offs to loans | 0.8900% | 218 |
| Credit loss provision to net charge-offs | 18.1818% | 2,938 |
| Earnings coverage of net charge-offs (x) | 2.6545% | 3,241 |
| Efficiency ratio | 65.8346% | 3,703 |
| Assets per employee ($millions) | 4.2315% | 3,499 |
| Cash dividends to net income (ytd only)* | 73.4336% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 3,048 |
| Loan loss allowance to noncurrent loans | 709.0909% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.3403% | 4,129 |
| Noncurrent loans to loans | 0.1769% | 4,725 |
| Net loans and leases to total assets | 58.0350% | 4,111 |
| Net loans and leases to deposits | 69.9971% | 3,983 |
| Net loans and leases to core deposits | 77.8214% | 3,657 |
| Total domestic deposits to total assets | 82.9106% | 3,685 |
| Equity capital to assets | 11.2254% | 2,820 |
| Core capital (leverage) ratio | 10.4092% | 3,067 |
| Tier 1 risk-based capital ratio | 16.6868% | 2,357 |
| Total risk-based capital ratio | 17.8659% | 2,334 |
| Memoranda: | ||
| Average total assets | $63,136,670 | 5,167 |
| Average earning assets | $60,010,670 | 5,110 |
| Average equity | $6,956,330 | 5,201 |
| Average total loans | $37,077,000 | 5,071 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 2,596 |
| Cost of funding earning assets | 0.3406% | 3,711 |
| Net interest margin | 3.8268% | 2,199 |
| Noninterest income to average assets | 0.3811% | 3,981 |
| Noninterest expense to average assets | 2.3059% | 4,642 |
| Loan and lease loss provision to assets | 0.0953% | 2,103 |
| Net operating income to assets | 1.5465% | 780 |
| Return on assets (ROA) | 1.6008% | 744 |
| Pretax return on assets | 1.6770% | 1,117 |
| Return on Equity (ROE) | 14.6682% | 723 |
| Retained earnings to average equity (ytd only) | -2.5029% | 5,430 |
| Net charge-offs to loans | 0.0541% | 1,982 |
| Credit loss provision to net charge-offs | 300.0000% | 841 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 834 |
| Efficiency ratio | 57.3460% | 5,069 |
| Assets per employee ($millions) | 4.2784% | 3,440 |
| Cash dividends to net income (ytd only)* | 117.0635% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 1,510 |
| Loan loss allowance to noncurrent loans | 400.6536% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 4,603 |
| Noncurrent loans to loans | 0.4089% | 3,969 |
| Net loans and leases to total assets | 57.3423% | 4,109 |
| Net loans and leases to deposits | 68.7003% | 3,983 |
| Net loans and leases to core deposits | 78.0008% | 3,493 |
| Total domestic deposits to total assets | 83.4673% | 3,724 |
| Equity capital to assets | 10.7018% | 3,256 |
| Core capital (leverage) ratio | 10.3342% | 3,150 |
| Tier 1 risk-based capital ratio | 16.4057% | 2,516 |
| Total risk-based capital ratio | 17.6583% | 2,471 |
| Memoranda: | ||
| Average total assets | $62,969,000 | 5,222 |
| Average earning assets | $59,893,500 | 5,164 |
| Average equity | $6,872,000 | 5,260 |
| Average total loans | $36,963,500 | 5,115 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2586% | 2,358 |
| Cost of funding earning assets | 0.3433% | 3,759 |
| Net interest margin | 3.9153% | 1,978 |
| Noninterest income to average assets | 0.4497% | 3,668 |
| Noninterest expense to average assets | 2.5552% | 4,054 |
| Loan and lease loss provision to assets | 0.1582% | 1,467 |
| Net operating income to assets | 1.3842% | 1,067 |
| Return on assets (ROA) | 1.4358% | 1,000 |
| Pretax return on assets | 1.5341% | 1,451 |
| Return on Equity (ROE) | 12.4685% | 1,191 |
| Retained earnings to average equity (ytd only) | -0.2314% | 5,544 |
| Net charge-offs to loans | 0.0195% | 3,877 |
| Credit loss provision to net charge-offs | 1,357.1429% | 249 |
| Earnings coverage of net charge-offs (x) | 140.4286% | 442 |
| Efficiency ratio | 60.9456% | 4,767 |
| Assets per employee ($millions) | 4.4116% | 3,192 |
| Cash dividends to net income (ytd only)* | 101.8561% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 1,466 |
| Loan loss allowance to noncurrent loans | 277.8802% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3513% | 4,181 |
| Noncurrent loans to loans | 0.5943% | 3,387 |
| Net loans and leases to total assets | 58.1442% | 4,067 |
| Net loans and leases to deposits | 71.0068% | 3,811 |
| Net loans and leases to core deposits | 80.1728% | 3,323 |
| Total domestic deposits to total assets | 81.8853% | 4,195 |
| Equity capital to assets | 11.1331% | 2,695 |
| Core capital (leverage) ratio | 10.6722% | 2,741 |
| Tier 1 risk-based capital ratio | 16.9089% | 2,322 |
| Total risk-based capital ratio | 18.1632% | 2,265 |
| Memoranda: | ||
| Average total assets | $60,035,000 | 5,318 |
| Average earning assets | $57,390,400 | 5,255 |
| Average equity | $6,913,400 | 5,261 |
| Average total loans | $35,976,600 | 5,154 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2981% | 2,235 |
| Cost of funding earning assets | 0.3410% | 3,845 |
| Net interest margin | 3.9570% | 1,851 |
| Noninterest income to average assets | 0.4630% | 3,613 |
| Noninterest expense to average assets | 2.5613% | 4,009 |
| Loan and lease loss provision to assets | 0.1789% | 1,169 |
| Net operating income to assets | 1.4036% | 1,101 |
| Return on assets (ROA) | 1.4473% | 1,058 |
| Pretax return on assets | 1.5592% | 1,507 |
| Return on Equity (ROE) | 12.4611% | 1,247 |
| Retained earnings to average equity (ytd only) | 1.1940% | 5,243 |
| Net charge-offs to loans | 0.0670% | 2,613 |
| Credit loss provision to net charge-offs | 444.4444% | 704 |
| Earnings coverage of net charge-offs (x) | 41.9988% | 1,197 |
| Efficiency ratio | 60.2315% | 4,861 |
| Assets per employee ($millions) | 4.2951% | 3,326 |
| Cash dividends to net income (ytd only)* | 90.4167% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6297% | 1,677 |
| Loan loss allowance to noncurrent loans | 206.8100% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 3,939 |
| Noncurrent loans to loans | 0.7880% | 2,995 |
| Net loans and leases to total assets | 57.9209% | 4,150 |
| Net loans and leases to deposits | 66.9853% | 4,284 |
| Net loans and leases to core deposits | 74.5548% | 3,955 |
| Total domestic deposits to total assets | 86.4681% | 2,298 |
| Equity capital to assets | 11.5962% | 2,425 |
| Core capital (leverage) ratio | 10.8464% | 2,648 |
| Tier 1 risk-based capital ratio | 17.7234% | 2,110 |
| Total risk-based capital ratio | 18.9774% | 2,074 |
| Memoranda: | ||
| Average total assets | $59,603,250 | 5,399 |
| Average earning assets | $57,078,500 | 5,335 |
| Average equity | $6,922,750 | 5,326 |
| Average total loans | $35,842,250 | 5,221 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2572% | 2,330 |
| Cost of funding earning assets | 0.3366% | 3,962 |
| Net interest margin | 3.9206% | 1,906 |
| Noninterest income to average assets | 0.4341% | 3,822 |
| Noninterest expense to average assets | 2.5611% | 4,034 |
| Loan and lease loss provision to assets | 0.2188% | 868 |
| Net operating income to assets | 1.2920% | 1,349 |
| Return on assets (ROA) | 1.3226% | 1,306 |
| Pretax return on assets | 1.4505% | 1,801 |
| Return on Equity (ROE) | 11.3814% | 1,564 |
| Retained earnings to average equity (ytd only) | 2.8960% | 4,197 |
| Net charge-offs to loans | 0.0667% | 2,429 |
| Credit loss provision to net charge-offs | 541.6667% | 595 |
| Earnings coverage of net charge-offs (x) | 40.5000% | 1,122 |
| Efficiency ratio | 61.0265% | 4,828 |
| Assets per employee ($millions) | 4.3289% | 3,249 |
| Cash dividends to net income (ytd only)* | 74.5547% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5656% | 2,033 |
| Loan loss allowance to noncurrent loans | 210.3704% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4455% | 4,145 |
| Noncurrent loans to loans | 0.7442% | 3,251 |
| Net loans and leases to total assets | 58.9242% | 3,991 |
| Net loans and leases to deposits | 66.6573% | 4,270 |
| Net loans and leases to core deposits | 75.1004% | 3,841 |
| Total domestic deposits to total assets | 88.3986% | 1,443 |
| Equity capital to assets | 11.4264% | 2,476 |
| Core capital (leverage) ratio | 11.0876% | 2,338 |
| Tier 1 risk-based capital ratio | 17.5209% | 2,210 |
| Total risk-based capital ratio | 18.7739% | 2,166 |
| Memoranda: | ||
| Average total assets | $59,427,000 | 5,460 |
| Average earning assets | $57,032,670 | 5,395 |
| Average equity | $6,906,000 | 5,374 |
| Average total loans | $35,987,670 | 5,257 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2534% | 2,261 |
| Cost of funding earning assets | 0.3310% | 4,081 |
| Net interest margin | 3.9224% | 1,814 |
| Noninterest income to average assets | 0.4147% | 3,884 |
| Noninterest expense to average assets | 2.4270% | 4,525 |
| Loan and lease loss provision to assets | 0.3739% | 331 |
| Net operating income to assets | 1.2101% | 1,518 |
| Return on assets (ROA) | 1.2101% | 1,612 |
| Pretax return on assets | 1.4005% | 1,890 |
| Return on Equity (ROE) | 10.3241% | 1,858 |
| Retained earnings to average equity (ytd only) | -6.7861% | 6,028 |
| Net charge-offs to loans | -0.0223% | 5,095 |
| Credit loss provision to net charge-offs | -2,750.0000% | 5,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7670% | 5,364 |
| Assets per employee ($millions) | 4.2853% | 3,399 |
| Cash dividends to net income (ytd only)* | 165.7303% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5981% | 2,061 |
| Loan loss allowance to noncurrent loans | 215.8491% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4417% | 4,270 |
| Noncurrent loans to loans | 0.7404% | 3,410 |
| Net loans and leases to total assets | 58.7059% | 3,843 |
| Net loans and leases to deposits | 66.3739% | 4,115 |
| Net loans and leases to core deposits | 75.1841% | 3,668 |
| Total domestic deposits to total assets | 88.4472% | 1,574 |
| Equity capital to assets | 11.4445% | 2,519 |
| Core capital (leverage) ratio | 10.7840% | 2,644 |
| Tier 1 risk-based capital ratio | 17.2977% | 2,379 |
| Total risk-based capital ratio | 17.2977% | 2,830 |
| Memoranda: | ||
| Average total assets | $58,838,000 | 5,523 |
| Average earning assets | $56,802,000 | 5,449 |
| Average equity | $6,896,500 | 5,427 |
| Average total loans | $35,842,000 | 5,304 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4952% | 1,887 |
| Cost of funding earning assets | 0.3449% | 4,308 |
| Net interest margin | 4.1503% | 1,431 |
| Noninterest income to average assets | 0.4917% | 3,575 |
| Noninterest expense to average assets | 2.5698% | 4,324 |
| Loan and lease loss provision to assets | 0.2964% | 694 |
| Net operating income to assets | 1.5052% | 868 |
| Return on assets (ROA) | 1.6040% | 734 |
| Pretax return on assets | 1.6720% | 1,047 |
| Return on Equity (ROE) | 13.3442% | 1,071 |
| Retained earnings to average equity (ytd only) | 0.6092% | 5,496 |
| Net charge-offs to loans | 0.7756% | 458 |
| Credit loss provision to net charge-offs | 63.1970% | 3,229 |
| Earnings coverage of net charge-offs (x) | 3.9777% | 3,770 |
| Efficiency ratio | 57.9403% | 5,463 |
| Assets per employee ($millions) | 4.1201% | 3,685 |
| Cash dividends to net income (ytd only)* | 95.4348% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 2,775 |
| Loan loss allowance to noncurrent loans | 208.5020% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.4282% | 4,391 |
| Noncurrent loans to loans | 0.6882% | 3,621 |
| Net loans and leases to total assets | 61.3311% | 3,595 |
| Net loans and leases to deposits | 72.2540% | 3,651 |
| Net loans and leases to core deposits | 82.1804% | 3,087 |
| Total domestic deposits to total assets | 84.8826% | 3,334 |
| Equity capital to assets | 12.0089% | 2,013 |
| Core capital (leverage) ratio | 10.9992% | 2,412 |
| Tier 1 risk-based capital ratio | 16.4454% | 2,737 |
| Total risk-based capital ratio | 17.6954% | 2,687 |
| Memoranda: | ||
| Average total assets | $57,357,800 | 5,618 |
| Average earning assets | $54,502,400 | 5,558 |
| Average equity | $6,894,400 | 5,441 |
| Average total loans | $34,681,200 | 5,376 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4784% | 1,954 |
| Cost of funding earning assets | 0.3456% | 4,388 |
| Net interest margin | 4.1327% | 1,481 |
| Noninterest income to average assets | 0.4935% | 3,587 |
| Noninterest expense to average assets | 2.5816% | 4,253 |
| Loan and lease loss provision to assets | 0.1862% | 1,313 |
| Net operating income to assets | 1.5620% | 825 |
| Return on assets (ROA) | 1.5620% | 861 |
| Pretax return on assets | 1.6225% | 1,255 |
| Return on Equity (ROE) | 12.9917% | 1,221 |
| Retained earnings to average equity (ytd only) | 1.6457% | 5,225 |
| Net charge-offs to loans | 0.5701% | 657 |
| Credit loss provision to net charge-offs | 54.4218% | 3,036 |
| Earnings coverage of net charge-offs (x) | 5.2856% | 3,295 |
| Efficiency ratio | 58.8017% | 5,336 |
| Assets per employee ($millions) | 4.2232% | 3,431 |
| Cash dividends to net income (ytd only)* | 87.3323% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 2,519 |
| Loan loss allowance to noncurrent loans | 1,215.5556% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 5,854 |
| Noncurrent loans to loans | 0.1271% | 5,541 |
| Net loans and leases to total assets | 58.9480% | 3,943 |
| Net loans and leases to deposits | 68.5975% | 4,072 |
| Net loans and leases to core deposits | 74.7533% | 3,874 |
| Total domestic deposits to total assets | 85.9332% | 2,877 |
| Equity capital to assets | 11.8342% | 2,203 |
| Core capital (leverage) ratio | 11.5053% | 2,059 |
| Tier 1 risk-based capital ratio | 17.2964% | 2,478 |
| Total risk-based capital ratio | 18.5498% | 2,434 |
| Memoranda: | ||
| Average total assets | $57,276,750 | 5,680 |
| Average earning assets | $54,006,250 | 5,634 |
| Average equity | $6,886,250 | 5,493 |
| Average total loans | $34,378,500 | 5,436 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4589% | 1,964 |
| Cost of funding earning assets | 0.3447% | 4,485 |
| Net interest margin | 4.1142% | 1,464 |
| Noninterest income to average assets | 0.4448% | 3,902 |
| Noninterest expense to average assets | 2.5485% | 4,421 |
| Loan and lease loss provision to assets | 0.1765% | 1,388 |
| Net operating income to assets | 1.5425% | 809 |
| Return on assets (ROA) | 1.5425% | 845 |
| Pretax return on assets | 1.5955% | 1,260 |
| Return on Equity (ROE) | 12.7604% | 1,240 |
| Retained earnings to average equity (ytd only) | 4.2048% | 3,492 |
| Net charge-offs to loans | 1.0165% | 350 |
| Credit loss provision to net charge-offs | 28.9017% | 3,070 |
| Earnings coverage of net charge-offs (x) | 2.9017% | 3,438 |
| Efficiency ratio | 58.9869% | 5,431 |
| Assets per employee ($millions) | 4.0561% | 3,720 |
| Cash dividends to net income (ytd only)* | 67.0481% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 3,212 |
| Loan loss allowance to noncurrent loans | 1,753.5714% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 6,044 |
| Noncurrent loans to loans | 0.0813% | 5,777 |
| Net loans and leases to total assets | 59.7612% | 3,763 |
| Net loans and leases to deposits | 68.2913% | 4,020 |
| Net loans and leases to core deposits | 75.3815% | 3,692 |
| Total domestic deposits to total assets | 87.5092% | 2,195 |
| Equity capital to assets | 12.4362% | 1,683 |
| Core capital (leverage) ratio | 11.8101% | 1,778 |
| Tier 1 risk-based capital ratio | 17.9532% | 2,263 |
| Total risk-based capital ratio | 19.2052% | 2,228 |
| Memoranda: | ||
| Average total assets | $56,660,670 | 5,745 |
| Average earning assets | $53,376,330 | 5,703 |
| Average equity | $6,849,330 | 5,525 |
| Average total loans | $34,038,000 | 5,491 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4152% | 2,082 |
| Cost of funding earning assets | 0.3448% | 4,591 |
| Net interest margin | 4.0704% | 1,545 |
| Noninterest income to average assets | 0.4452% | 3,821 |
| Noninterest expense to average assets | 2.3393% | 5,093 |
| Loan and lease loss provision to assets | 0.1413% | 1,722 |
| Net operating income to assets | 1.7244% | 549 |
| Return on assets (ROA) | 1.7244% | 569 |
| Pretax return on assets | 1.8022% | 795 |
| Return on Equity (ROE) | 14.4743% | 863 |
| Retained earnings to average equity (ytd only) | -2.9067% | 5,955 |
| Net charge-offs to loans | 1.9856% | 134 |
| Credit loss provision to net charge-offs | 11.9048% | 2,590 |
| Earnings coverage of net charge-offs (x) | 1.6369% | 3,051 |
| Efficiency ratio | 54.6205% | 5,961 |
| Assets per employee ($millions) | 4.0931% | 3,729 |
| Cash dividends to net income (ytd only)* | 120.0820% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 3,620 |
| Loan loss allowance to noncurrent loans | 1,606.8966% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 6,124 |
| Noncurrent loans to loans | 0.0869% | 5,871 |
| Net loans and leases to total assets | 57.4183% | 3,937 |
| Net loans and leases to deposits | 65.1570% | 4,183 |
| Net loans and leases to core deposits | 72.4353% | 3,826 |
| Total domestic deposits to total assets | 88.1230% | 2,158 |
| Equity capital to assets | 11.8194% | 2,001 |
| Core capital (leverage) ratio | 11.4049% | 2,045 |
| Tier 1 risk-based capital ratio | 17.8640% | 2,351 |
| Total risk-based capital ratio | 19.1138% | 2,327 |
| Memoranda: | ||
| Average total assets | $56,598,000 | 5,798 |
| Average earning assets | $53,361,000 | 5,752 |
| Average equity | $6,743,000 | 5,581 |
| Average total loans | $33,843,500 | 5,547 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3766% | 2,669 |
| Cost of funding earning assets | 0.3863% | 4,788 |
| Net interest margin | 3.9903% | 1,970 |
| Noninterest income to average assets | 0.5250% | 3,594 |
| Noninterest expense to average assets | 2.6268% | 4,368 |
| Loan and lease loss provision to assets | 0.0179% | 4,770 |
| Net operating income to assets | 1.5911% | 705 |
| Return on assets (ROA) | 1.5911% | 723 |
| Pretax return on assets | 1.6377% | 1,083 |
| Return on Equity (ROE) | 12.9228% | 1,178 |
| Retained earnings to average equity (ytd only) | 0.2328% | 5,740 |
| Net charge-offs to loans | 0.2004% | 2,869 |
| Credit loss provision to net charge-offs | 15.1515% | 4,525 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,971 |
| Efficiency ratio | 61.3389% | 5,310 |
| Assets per employee ($millions) | 3.9923% | 3,881 |
| Cash dividends to net income (ytd only)* | 98.1982% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7891% | 2,094 |
| Loan loss allowance to noncurrent loans | 2,117.2414% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 6,219 |
| Noncurrent loans to loans | 0.0845% | 5,963 |
| Net loans and leases to total assets | 60.3020% | 3,660 |
| Net loans and leases to deposits | 69.7098% | 3,819 |
| Net loans and leases to core deposits | 76.7308% | 3,529 |
| Total domestic deposits to total assets | 86.5043% | 2,987 |
| Equity capital to assets | 12.0107% | 1,800 |
| Core capital (leverage) ratio | 11.5899% | 1,895 |
| Tier 1 risk-based capital ratio | 17.9090% | 2,268 |
| Total risk-based capital ratio | 19.1637% | 2,233 |
| Memoranda: | ||
| Average total assets | $55,809,800 | 5,878 |
| Average earning assets | $52,552,200 | 5,818 |
| Average equity | $6,871,600 | 5,603 |
| Average total loans | $32,932,600 | 5,626 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4014% | 2,594 |
| Cost of funding earning assets | 0.3957% | 4,851 |
| Net interest margin | 4.0057% | 1,928 |
| Noninterest income to average assets | 0.5425% | 3,506 |
| Noninterest expense to average assets | 2.6337% | 4,261 |
| Loan and lease loss provision to assets | 0.0239% | 4,530 |
| Net operating income to assets | 1.6203% | 720 |
| Return on assets (ROA) | 1.6203% | 760 |
| Pretax return on assets | 1.6586% | 1,189 |
| Return on Equity (ROE) | 13.0798% | 1,218 |
| Retained earnings to average equity (ytd only) | 1.7748% | 5,251 |
| Net charge-offs to loans | 0.1105% | 3,435 |
| Credit loss provision to net charge-offs | 37.0370% | 3,763 |
| Earnings coverage of net charge-offs (x) | 26.0733% | 1,362 |
| Efficiency ratio | 61.0188% | 5,282 |
| Assets per employee ($millions) | 4.0249% | 3,778 |
| Cash dividends to net income (ytd only)* | 86.4300% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9797% | 1,771 |
| Loan loss allowance to noncurrent loans | 1,280.3922% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 6,171 |
| Noncurrent loans to loans | 0.1546% | 5,850 |
| Net loans and leases to total assets | 57.3781% | 4,108 |
| Net loans and leases to deposits | 65.3251% | 4,374 |
| Net loans and leases to core deposits | 71.3636% | 4,168 |
| Total domestic deposits to total assets | 87.8347% | 2,226 |
| Equity capital to assets | 12.1262% | 1,844 |
| Core capital (leverage) ratio | 11.8300% | 1,790 |
| Tier 1 risk-based capital ratio | 18.8791% | 2,028 |
| Total risk-based capital ratio | 20.1366% | 1,987 |
| Memoranda: | ||
| Average total assets | $55,789,250 | 5,945 |
| Average earning assets | $52,557,250 | 5,884 |
| Average equity | $6,911,250 | 5,662 |
| Average total loans | $32,586,250 | 5,701 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4205% | 2,490 |
| Cost of funding earning assets | 0.4046% | 4,898 |
| Net interest margin | 4.0158% | 1,804 |
| Noninterest income to average assets | 0.5072% | 3,782 |
| Noninterest expense to average assets | 2.7013% | 4,028 |
| Loan and lease loss provision to assets | 0.0360% | 4,227 |
| Net operating income to assets | 1.5395% | 834 |
| Return on assets (ROA) | 1.5395% | 901 |
| Pretax return on assets | 1.5539% | 1,472 |
| Return on Equity (ROE) | 12.3390% | 1,392 |
| Retained earnings to average equity (ytd only) | 3.8920% | 3,822 |
| Net charge-offs to loans | 0.2527% | 2,209 |
| Credit loss provision to net charge-offs | 24.3902% | 3,668 |
| Earnings coverage of net charge-offs (x) | 10.7805% | 2,124 |
| Efficiency ratio | 62.9505% | 5,025 |
| Assets per employee ($millions) | 4.0287% | 3,733 |
| Cash dividends to net income (ytd only)* | 68.4579% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9261% | 2,033 |
| Loan loss allowance to noncurrent loans | 1,638.4615% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 6,297 |
| Noncurrent loans to loans | 0.1176% | 6,039 |
| Net loans and leases to total assets | 57.6859% | 4,034 |
| Net loans and leases to deposits | 68.1140% | 3,996 |
| Net loans and leases to core deposits | 75.8274% | 3,563 |
| Total domestic deposits to total assets | 84.6903% | 4,047 |
| Equity capital to assets | 12.1503% | 1,809 |
| Core capital (leverage) ratio | 11.7472% | 1,769 |
| Tier 1 risk-based capital ratio | 19.3278% | 1,901 |
| Total risk-based capital ratio | 20.5867% | 1,870 |
| Memoranda: | ||
| Average total assets | $55,602,670 | 5,978 |
| Average earning assets | $52,392,670 | 5,926 |
| Average equity | $6,937,330 | 5,703 |
| Average total loans | $32,453,330 | 5,734 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3282% | 2,771 |
| Cost of funding earning assets | 0.4067% | 5,039 |
| Net interest margin | 3.9215% | 2,047 |
| Noninterest income to average assets | 0.4855% | 3,880 |
| Noninterest expense to average assets | 2.5361% | 4,624 |
| Loan and lease loss provision to assets | 0.0725% | 3,423 |
| Net operating income to assets | 1.5796% | 734 |
| Return on assets (ROA) | 1.5796% | 793 |
| Pretax return on assets | 1.5796% | 1,351 |
| Return on Equity (ROE) | 12.4937% | 1,295 |
| Retained earnings to average equity (ytd only) | -3.8971% | 6,269 |
| Net charge-offs to loans | 0.0374% | 3,503 |
| Credit loss provision to net charge-offs | 333.3333% | 725 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 487 |
| Efficiency ratio | 60.5536% | 5,508 |
| Assets per employee ($millions) | 4.0914% | 3,760 |
| Cash dividends to net income (ytd only)* | 131.1927% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1167% | 1,758 |
| Loan loss allowance to noncurrent loans | 2,051.5152% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 6,431 |
| Noncurrent loans to loans | 0.1032% | 6,167 |
| Net loans and leases to total assets | 54.6543% | 4,306 |
| Net loans and leases to deposits | 62.2237% | 4,511 |
| Net loans and leases to core deposits | 69.2871% | 4,157 |
| Total domestic deposits to total assets | 87.8352% | 2,425 |
| Equity capital to assets | 12.1177% | 1,959 |
| Core capital (leverage) ratio | 11.4768% | 1,899 |
| Tier 1 risk-based capital ratio | 19.1584% | 1,995 |
| Total risk-based capital ratio | 20.4172% | 1,964 |
| Memoranda: | ||
| Average total assets | $55,203,000 | 6,041 |
| Average earning assets | $52,123,500 | 5,981 |
| Average equity | $6,979,500 | 5,746 |
| Average total loans | $32,092,500 | 5,790 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7614% | 2,357 |
| Cost of funding earning assets | 0.4834% | 5,328 |
| Net interest margin | 4.2780% | 1,450 |
| Noninterest income to average assets | 0.5481% | 3,600 |
| Noninterest expense to average assets | 2.5607% | 4,896 |
| Loan and lease loss provision to assets | 0.1111% | 4,240 |
| Net operating income to assets | 1.8330% | 486 |
| Return on assets (ROA) | 1.8330% | 543 |
| Pretax return on assets | 1.9237% | 710 |
| Return on Equity (ROE) | 14.1736% | 960 |
| Retained earnings to average equity (ytd only) | 1.6035% | 5,066 |
| Net charge-offs to loans | 0.0896% | 4,778 |
| Credit loss provision to net charge-offs | 206.8966% | 1,233 |
| Earnings coverage of net charge-offs (x) | 37.8966% | 844 |
| Efficiency ratio | 55.7212% | 6,086 |
| Assets per employee ($millions) | 3.7947% | 4,376 |
| Cash dividends to net income (ytd only)* | 88.6869% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0806% | 1,816 |
| Loan loss allowance to noncurrent loans | 893.3333% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 6,215 |
| Noncurrent loans to loans | 0.2329% | 5,897 |
| Net loans and leases to total assets | 59.3532% | 3,708 |
| Net loans and leases to deposits | 68.4273% | 3,912 |
| Net loans and leases to core deposits | 75.8327% | 3,554 |
| Total domestic deposits to total assets | 86.7391% | 2,967 |
| Equity capital to assets | 13.2101% | 1,348 |
| Core capital (leverage) ratio | 11.9995% | 1,564 |
| Tier 1 risk-based capital ratio | 19.9295% | 1,701 |
| Total risk-based capital ratio | 21.1885% | 1,669 |
| Memoranda: | ||
| Average total assets | $54,009,400 | 6,089 |
| Average earning assets | $51,098,200 | 6,005 |
| Average equity | $6,984,800 | 5,770 |
| Average total loans | $32,378,200 | 5,832 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7786% | 2,467 |
| Cost of funding earning assets | 0.4846% | 5,540 |
| Net interest margin | 4.2940% | 1,485 |
| Noninterest income to average assets | 0.5409% | 3,664 |
| Noninterest expense to average assets | 2.5176% | 5,022 |
| Loan and lease loss provision to assets | 0.1475% | 3,690 |
| Net operating income to assets | 1.8710% | 493 |
| Return on assets (ROA) | 1.8710% | 566 |
| Pretax return on assets | 1.9497% | 776 |
| Return on Equity (ROE) | 14.5437% | 991 |
| Retained earnings to average equity (ytd only) | 3.3636% | 4,502 |
| Net charge-offs to loans | 0.0206% | 5,385 |
| Credit loss provision to net charge-offs | 1,200.0000% | 228 |
| Earnings coverage of net charge-offs (x) | 170.5097% | 261 |
| Efficiency ratio | 54.5551% | 6,196 |
| Assets per employee ($millions) | 3.8624% | 4,169 |
| Cash dividends to net income (ytd only)* | 76.8726% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1779% | 1,751 |
| Loan loss allowance to noncurrent loans | 722.9167% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 6,259 |
| Noncurrent loans to loans | 0.3013% | 5,891 |
| Net loans and leases to total assets | 57.6451% | 4,188 |
| Net loans and leases to deposits | 66.4882% | 4,413 |
| Net loans and leases to core deposits | 73.5096% | 4,046 |
| Total domestic deposits to total assets | 86.6997% | 2,853 |
| Equity capital to assets | 13.2226% | 1,485 |
| Core capital (leverage) ratio | 11.7959% | 1,771 |
| Tier 1 risk-based capital ratio | 20.1693% | 1,714 |
| Total risk-based capital ratio | 21.4299% | 1,683 |
| Memoranda: | ||
| Average total assets | $54,230,250 | 6,145 |
| Average earning assets | $51,450,500 | 6,072 |
| Average equity | $6,976,500 | 5,838 |
| Average total loans | $32,422,250 | 5,905 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8426% | 2,333 |
| Cost of funding earning assets | 0.4862% | 5,717 |
| Net interest margin | 4.3564% | 1,320 |
| Noninterest income to average assets | 0.5195% | 3,792 |
| Noninterest expense to average assets | 2.5754% | 4,862 |
| Loan and lease loss provision to assets | 0.2211% | 2,867 |
| Net operating income to assets | 1.7648% | 599 |
| Return on assets (ROA) | 1.7648% | 672 |
| Pretax return on assets | 1.8496% | 942 |
| Return on Equity (ROE) | 13.8466% | 1,157 |
| Retained earnings to average equity (ytd only) | 5.3768% | 3,058 |
| Net charge-offs to loans | 0.0368% | 4,865 |
| Credit loss provision to net charge-offs | 1,000.0000% | 319 |
| Earnings coverage of net charge-offs (x) | 93.6667% | 457 |
| Efficiency ratio | 55.4322% | 6,181 |
| Assets per employee ($millions) | 4.0614% | 3,742 |
| Cash dividends to net income (ytd only)* | 61.1691% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1302% | 1,926 |
| Loan loss allowance to noncurrent loans | 761.5385% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 6,391 |
| Noncurrent loans to loans | 0.2797% | 6,011 |
| Net loans and leases to total assets | 55.9954% | 4,471 |
| Net loans and leases to deposits | 64.0121% | 4,763 |
| Net loans and leases to core deposits | 70.7565% | 4,442 |
| Total domestic deposits to total assets | 87.4763% | 2,483 |
| Equity capital to assets | 12.4552% | 1,844 |
| Core capital (leverage) ratio | 12.3195% | 1,437 |
| Tier 1 risk-based capital ratio | 19.4835% | 1,858 |
| Total risk-based capital ratio | 20.7437% | 1,819 |
| Memoranda: | ||
| Average total assets | $54,282,330 | 6,182 |
| Average earning assets | $51,419,000 | 6,108 |
| Average equity | $6,918,670 | 5,872 |
| Average total loans | $32,608,000 | 5,927 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9993% | 1,889 |
| Cost of funding earning assets | 0.5103% | 5,746 |
| Net interest margin | 4.4890% | 1,031 |
| Noninterest income to average assets | 0.5208% | 3,774 |
| Noninterest expense to average assets | 2.2720% | 5,848 |
| Loan and lease loss provision to assets | 0.3397% | 1,841 |
| Net operating income to assets | 2.0606% | 374 |
| Return on assets (ROA) | 2.0606% | 432 |
| Pretax return on assets | 2.1588% | 577 |
| Return on Equity (ROE) | 15.9719% | 809 |
| Retained earnings to average equity (ytd only) | -1.1701% | 6,179 |
| Net charge-offs to loans | -0.3186% | 7,084 |
| Credit loss provision to net charge-offs | -173.0769% | 5,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6266% | 6,834 |
| Assets per employee ($millions) | 3.9111% | 4,179 |
| Cash dividends to net income (ytd only)* | 107.3260% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1687% | 1,950 |
| Loan loss allowance to noncurrent loans | 1,339.6226% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 6,639 |
| Noncurrent loans to loans | 0.1619% | 6,357 |
| Net loans and leases to total assets | 58.4940% | 3,957 |
| Net loans and leases to deposits | 66.9237% | 4,244 |
| Net loans and leases to core deposits | 75.6168% | 3,671 |
| Total domestic deposits to total assets | 87.4041% | 2,722 |
| Equity capital to assets | 12.4954% | 1,723 |
| Core capital (leverage) ratio | 11.9359% | 1,623 |
| Tier 1 risk-based capital ratio | 19.0402% | 1,978 |
| Total risk-based capital ratio | 20.2996% | 1,939 |
| Memoranda: | ||
| Average total assets | $52,993,500 | 6,266 |
| Average earning assets | $50,167,000 | 6,187 |
| Average equity | $6,837,000 | 5,920 |
| Average total loans | $32,646,000 | 5,972 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5946% | 968 |
| Cost of funding earning assets | 0.6256% | 5,956 |
| Net interest margin | 4.9690% | 436 |
| Noninterest income to average assets | 0.6780% | 2,738 |
| Noninterest expense to average assets | 2.7060% | 4,718 |
| Loan and lease loss provision to assets | 0.3589% | 2,850 |
| Net operating income to assets | 2.2262% | 219 |
| Return on assets (ROA) | 2.2533% | 217 |
| Pretax return on assets | 2.3291% | 279 |
| Return on Equity (ROE) | 16.9593% | 477 |
| Retained earnings to average equity (ytd only) | 4.3674% | 3,067 |
| Net charge-offs to loans | 0.0537% | 5,783 |
| Credit loss provision to net charge-offs | 1,000.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 74.1111% | 408 |
| Efficiency ratio | 50.4274% | 6,803 |
| Assets per employee ($millions) | 3.6594% | 4,643 |
| Cash dividends to net income (ytd only)* | 74.2478% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9630% | 2,391 |
| Loan loss allowance to noncurrent loans | 1,775.0000% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 6,780 |
| Noncurrent loans to loans | 0.1106% | 6,536 |
| Net loans and leases to total assets | 62.2943% | 3,539 |
| Net loans and leases to deposits | 71.9416% | 3,806 |
| Net loans and leases to core deposits | 80.8031% | 3,341 |
| Total domestic deposits to total assets | 86.5902% | 2,982 |
| Equity capital to assets | 13.3357% | 1,342 |
| Core capital (leverage) ratio | 12.1821% | 1,502 |
| Tier 1 risk-based capital ratio | 19.5994% | 1,729 |
| Total risk-based capital ratio | 20.8582% | 1,693 |
| Memoranda: | ||
| Average total assets | $50,148,400 | 6,360 |
| Average earning assets | $47,313,600 | 6,276 |
| Average equity | $6,663,000 | 5,967 |
| Average total loans | $33,497,600 | 5,977 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6853% | 870 |
| Cost of funding earning assets | 0.6433% | 6,066 |
| Net interest margin | 5.0419% | 382 |
| Noninterest income to average assets | 0.6897% | 2,670 |
| Noninterest expense to average assets | 2.7186% | 4,658 |
| Loan and lease loss provision to assets | 0.3609% | 2,703 |
| Net operating income to assets | 2.2920% | 212 |
| Return on assets (ROA) | 2.3283% | 219 |
| Pretax return on assets | 2.4031% | 291 |
| Return on Equity (ROE) | 17.5403% | 506 |
| Retained earnings to average equity (ytd only) | 6.5449% | 2,220 |
| Net charge-offs to loans | -0.0158% | 6,858 |
| Credit loss provision to net charge-offs | -3,375.0000% | 6,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9264% | 6,834 |
| Assets per employee ($millions) | 3.7575% | 4,390 |
| Cash dividends to net income (ytd only)* | 62.6866% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8728% | 2,708 |
| Loan loss allowance to noncurrent loans | 1,009.8361% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 6,762 |
| Noncurrent loans to loans | 0.1855% | 6,500 |
| Net loans and leases to total assets | 61.3554% | 3,877 |
| Net loans and leases to deposits | 70.6026% | 4,200 |
| Net loans and leases to core deposits | 78.2259% | 3,866 |
| Total domestic deposits to total assets | 86.9024% | 2,714 |
| Equity capital to assets | 12.9988% | 1,614 |
| Core capital (leverage) ratio | 12.1531% | 1,618 |
| Tier 1 risk-based capital ratio | 19.4827% | 1,819 |
| Total risk-based capital ratio | 20.7396% | 1,788 |
| Memoranda: | ||
| Average total assets | $49,877,750 | 6,423 |
| Average earning assets | $47,044,500 | 6,336 |
| Average equity | $6,620,750 | 6,022 |
| Average total loans | $33,733,750 | 6,029 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7849% | 735 |
| Cost of funding earning assets | 0.6673% | 6,135 |
| Net interest margin | 5.1175% | 324 |
| Noninterest income to average assets | 0.6780% | 2,664 |
| Noninterest expense to average assets | 2.7691% | 4,549 |
| Loan and lease loss provision to assets | 0.3676% | 2,593 |
| Net operating income to assets | 2.3052% | 219 |
| Return on assets (ROA) | 2.3607% | 213 |
| Pretax return on assets | 2.4220% | 278 |
| Return on Equity (ROE) | 17.6534% | 493 |
| Retained earnings to average equity (ytd only) | 9.8957% | 874 |
| Net charge-offs to loans | -0.0118% | 6,720 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3341% | 6,916 |
| Assets per employee ($millions) | 3.7099% | 4,415 |
| Cash dividends to net income (ytd only)* | 43.9446% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6706% | 3,419 |
| Loan loss allowance to noncurrent loans | 801.4085% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 6,745 |
| Noncurrent loans to loans | 0.2085% | 6,489 |
| Net loans and leases to total assets | 64.4814% | 3,362 |
| Net loans and leases to deposits | 74.2808% | 3,756 |
| Net loans and leases to core deposits | 83.4583% | 3,297 |
| Total domestic deposits to total assets | 86.8076% | 2,851 |
| Equity capital to assets | 13.0981% | 1,473 |
| Core capital (leverage) ratio | 12.9797% | 1,174 |
| Tier 1 risk-based capital ratio | 18.8723% | 1,882 |
| Total risk-based capital ratio | 20.1279% | 1,850 |
| Memoranda: | ||
| Average total assets | $48,968,670 | 6,511 |
| Average earning assets | $46,155,000 | 6,433 |
| Average equity | $6,548,330 | 6,068 |
| Average total loans | $34,014,330 | 6,072 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9204% | 571 |
| Cost of funding earning assets | 0.6986% | 6,150 |
| Net interest margin | 5.2217% | 247 |
| Noninterest income to average assets | 0.6571% | 2,796 |
| Noninterest expense to average assets | 2.5440% | 5,408 |
| Loan and lease loss provision to assets | 0.3791% | 2,291 |
| Net operating income to assets | 2.6451% | 151 |
| Return on assets (ROA) | 2.6451% | 156 |
| Pretax return on assets | 2.6451% | 207 |
| Return on Equity (ROE) | 19.5608% | 359 |
| Retained earnings to average equity (ytd only) | 3.7377% | 3,930 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6884% | 7,216 |
| Assets per employee ($millions) | 3.4714% | 5,063 |
| Cash dividends to net income (ytd only)* | 80.8917% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 3,996 |
| Loan loss allowance to noncurrent loans | 457.8947% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 6,591 |
| Noncurrent loans to loans | 0.3369% | 6,320 |
| Net loans and leases to total assets | 68.5426% | 2,441 |
| Net loans and leases to deposits | 79.1536% | 2,861 |
| Net loans and leases to core deposits | 89.7435% | 2,379 |
| Total domestic deposits to total assets | 86.5944% | 3,182 |
| Equity capital to assets | 13.3130% | 1,258 |
| Core capital (leverage) ratio | 12.8320% | 1,184 |
| Tier 1 risk-based capital ratio | 18.4675% | 1,968 |
| Total risk-based capital ratio | 19.7216% | 1,920 |
| Memoranda: | ||
| Average total assets | $47,483,500 | 6,598 |
| Average earning assets | $44,659,500 | 6,538 |
| Average equity | $6,421,000 | 6,123 |
| Average total loans | $33,991,500 | 6,124 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3128% | 450 |
| Cost of funding earning assets | 0.9460% | 5,954 |
| Net interest margin | 5.3668% | 216 |
| Noninterest income to average assets | 0.7528% | 2,525 |
| Noninterest expense to average assets | 2.8613% | 4,371 |
| Loan and lease loss provision to assets | 0.5498% | 2,939 |
| Net operating income to assets | 2.2459% | 172 |
| Return on assets (ROA) | 2.2459% | 177 |
| Pretax return on assets | 2.3685% | 228 |
| Return on Equity (ROE) | 16.7794% | 500 |
| Retained earnings to average equity (ytd only) | 4.5503% | 2,688 |
| Net charge-offs to loans | 0.2130% | 5,009 |
| Credit loss provision to net charge-offs | 366.1972% | 695 |
| Earnings coverage of net charge-offs (x) | 19.4366% | 1,059 |
| Efficiency ratio | 49.5060% | 7,165 |
| Assets per employee ($millions) | 3.3120% | 5,408 |
| Cash dividends to net income (ytd only)* | 72.8814% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 4,523 |
| Loan loss allowance to noncurrent loans | 1,192.5000% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 7,019 |
| Noncurrent loans to loans | 0.1171% | 6,851 |
| Net loans and leases to total assets | 72.6212% | 1,961 |
| Net loans and leases to deposits | 84.5928% | 2,361 |
| Net loans and leases to core deposits | 94.5154% | 2,198 |
| Total domestic deposits to total assets | 85.8480% | 3,434 |
| Equity capital to assets | 13.7422% | 1,118 |
| Core capital (leverage) ratio | 12.8169% | 1,190 |
| Tier 1 risk-based capital ratio | 18.4309% | 1,865 |
| Total risk-based capital ratio | 19.6832% | 1,830 |
| Memoranda: | ||
| Average total assets | $47,287,000 | 6,628 |
| Average earning assets | $44,290,800 | 6,569 |
| Average equity | $6,329,200 | 6,261 |
| Average total loans | $33,330,200 | 6,245 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3048% | 505 |
| Cost of funding earning assets | 0.9863% | 6,001 |
| Net interest margin | 5.3184% | 233 |
| Noninterest income to average assets | 0.7688% | 2,392 |
| Noninterest expense to average assets | 2.8480% | 4,286 |
| Loan and lease loss provision to assets | 0.4490% | 3,224 |
| Net operating income to assets | 2.3346% | 179 |
| Return on assets (ROA) | 2.3346% | 191 |
| Pretax return on assets | 2.4496% | 251 |
| Return on Equity (ROE) | 17.5565% | 521 |
| Retained earnings to average equity (ytd only) | 6.4571% | 2,114 |
| Net charge-offs to loans | 0.2978% | 4,174 |
| Credit loss provision to net charge-offs | 216.2162% | 1,606 |
| Earnings coverage of net charge-offs (x) | 13.9601% | 1,549 |
| Efficiency ratio | 49.5605% | 7,180 |
| Assets per employee ($millions) | 3.4110% | 5,179 |
| Cash dividends to net income (ytd only)* | 63.2213% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 5,955 |
| Loan loss allowance to noncurrent loans | 912.1951% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 7,131 |
| Noncurrent loans to loans | 0.1204% | 6,945 |
| Net loans and leases to total assets | 70.5051% | 2,610 |
| Net loans and leases to deposits | 82.7167% | 2,961 |
| Net loans and leases to core deposits | 92.2261% | 2,769 |
| Total domestic deposits to total assets | 85.2368% | 3,500 |
| Equity capital to assets | 13.5884% | 1,317 |
| Core capital (leverage) ratio | 12.7670% | 1,311 |
| Tier 1 risk-based capital ratio | 18.1211% | 1,993 |
| Total risk-based capital ratio | 19.2263% | 1,994 |
| Memoranda: | ||
| Average total assets | $47,516,750 | 6,698 |
| Average earning assets | $44,473,250 | 6,637 |
| Average equity | $6,318,500 | 6,346 |
| Average total loans | $33,125,250 | 6,337 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3526% | 457 |
| Cost of funding earning assets | 1.0249% | 6,032 |
| Net interest margin | 5.3277% | 237 |
| Noninterest income to average assets | 0.7462% | 2,421 |
| Noninterest expense to average assets | 2.7995% | 4,481 |
| Loan and lease loss provision to assets | 0.4848% | 2,877 |
| Net operating income to assets | 2.3357% | 187 |
| Return on assets (ROA) | 2.3357% | 198 |
| Pretax return on assets | 2.4369% | 257 |
| Return on Equity (ROE) | 17.6950% | 496 |
| Retained earnings to average equity (ytd only) | 9.6140% | 940 |
| Net charge-offs to loans | 0.3961% | 3,390 |
| Credit loss provision to net charge-offs | 176.9231% | 2,214 |
| Earnings coverage of net charge-offs (x) | 10.6615% | 1,861 |
| Efficiency ratio | 48.9315% | 7,292 |
| Assets per employee ($millions) | 3.4109% | 5,156 |
| Cash dividends to net income (ytd only)* | 45.6679% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 6,339 |
| Loan loss allowance to noncurrent loans | 751.1111% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 7,164 |
| Noncurrent loans to loans | 0.1350% | 6,995 |
| Net loans and leases to total assets | 69.1077% | 3,103 |
| Net loans and leases to deposits | 81.0159% | 3,427 |
| Net loans and leases to core deposits | 81.0159% | 4,552 |
| Total domestic deposits to total assets | 85.3014% | 3,463 |
| Equity capital to assets | 13.5405% | 1,327 |
| Core capital (leverage) ratio | 13.0110% | 1,207 |
| Tier 1 risk-based capital ratio | 18.4158% | 1,855 |
| Total risk-based capital ratio | 19.4322% | 1,879 |
| Memoranda: | ||
| Average total assets | $47,437,670 | 6,751 |
| Average earning assets | $44,297,000 | 6,687 |
| Average equity | $6,261,670 | 6,389 |
| Average total loans | $32,819,330 | 6,391 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5047% | 356 |
| Cost of funding earning assets | 1.1008% | 5,909 |
| Net interest margin | 5.4039% | 211 |
| Noninterest income to average assets | 0.7614% | 2,223 |
| Noninterest expense to average assets | 2.7073% | 4,874 |
| Loan and lease loss provision to assets | 0.3807% | 3,081 |
| Net operating income to assets | 2.6311% | 124 |
| Return on assets (ROA) | 2.6311% | 130 |
| Pretax return on assets | 2.6988% | 187 |
| Return on Equity (ROE) | 20.1964% | 370 |
| Retained earnings to average equity (ytd only) | 3.7665% | 3,888 |
| Net charge-offs to loans | 0.2457% | 3,472 |
| Credit loss provision to net charge-offs | 225.0000% | 1,681 |
| Earnings coverage of net charge-offs (x) | 18.2000% | 1,243 |
| Efficiency ratio | 46.7836% | 7,507 |
| Assets per employee ($millions) | 3.1735% | 5,827 |
| Cash dividends to net income (ytd only)* | 81.3505% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 6,691 |
| Loan loss allowance to noncurrent loans | 727.9070% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.5945% | 6,025 |
| Noncurrent loans to loans | 0.1297% | 7,080 |
| Net loans and leases to total assets | 68.9887% | 3,157 |
| Net loans and leases to deposits | 80.3838% | 3,582 |
| Net loans and leases to core deposits | 90.3687% | 3,316 |
| Total domestic deposits to total assets | 85.8241% | 3,242 |
| Equity capital to assets | 12.9826% | 1,533 |
| Core capital (leverage) ratio | 12.2936% | 1,498 |
| Tier 1 risk-based capital ratio | 17.5605% | 2,057 |
| Total risk-based capital ratio | 18.4951% | 2,131 |
| Memoranda: | ||
| Average total assets | $47,280,000 | 6,830 |
| Average earning assets | $43,968,000 | 6,778 |
| Average equity | $6,159,500 | 6,467 |
| Average total loans | $32,559,500 | 6,480 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5530% | 602 |
| Cost of funding earning assets | 1.4745% | 5,616 |
| Net interest margin | 5.0785% | 384 |
| Noninterest income to average assets | 0.7509% | 2,673 |
| Noninterest expense to average assets | 2.8598% | 4,697 |
| Loan and lease loss provision to assets | 0.4252% | 4,277 |
| Net operating income to assets | 2.1364% | 170 |
| Return on assets (ROA) | 2.1364% | 185 |
| Pretax return on assets | 2.2379% | 253 |
| Return on Equity (ROE) | 16.8953% | 464 |
| Retained earnings to average equity (ytd only) | 4.1653% | 2,302 |
| Net charge-offs to loans | 0.3477% | 4,489 |
| Credit loss provision to net charge-offs | 181.0811% | 2,287 |
| Earnings coverage of net charge-offs (x) | 11.3423% | 1,597 |
| Efficiency ratio | 51.7809% | 7,405 |
| Assets per employee ($millions) | 3.1305% | 5,910 |
| Cash dividends to net income (ytd only)* | 75.3465% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9010% | 6,804 |
| Loan loss allowance to noncurrent loans | 669.7674% | 517 |
| Noncurrent assets plus other real estate owned to assets | 1.1351% | 4,823 |
| Noncurrent loans to loans | 0.1345% | 7,095 |
| Net loans and leases to total assets | 67.4603% | 3,821 |
| Net loans and leases to deposits | 78.7051% | 4,234 |
| Net loans and leases to core deposits | 98.9907% | 4,115 |
| Total domestic deposits to total assets | 85.7128% | 3,155 |
| Equity capital to assets | 13.0734% | 1,483 |
| Core capital (leverage) ratio | 12.3092% | 1,524 |
| Tier 1 risk-based capital ratio | 17.8095% | 1,943 |
| Total risk-based capital ratio | 18.6904% | 1,999 |
| Memoranda: | ||
| Average total assets | $47,276,400 | 6,818 |
| Average earning assets | $44,422,200 | 6,745 |
| Average equity | $5,978,000 | 6,610 |
| Average total loans | $31,922,200 | 6,525 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5480% | 678 |
| Cost of funding earning assets | 1.5692% | 5,547 |
| Net interest margin | 4.9789% | 464 |
| Noninterest income to average assets | 0.7461% | 2,729 |
| Noninterest expense to average assets | 2.8774% | 4,544 |
| Loan and lease loss provision to assets | 0.4674% | 3,565 |
| Net operating income to assets | 2.0018% | 294 |
| Return on assets (ROA) | 2.0018% | 316 |
| Pretax return on assets | 2.1004% | 442 |
| Return on Equity (ROE) | 15.9653% | 662 |
| Retained earnings to average equity (ytd only) | 4.5807% | 2,715 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8438% | 7,344 |
| Assets per employee ($millions) | 2.9988% | 6,162 |
| Cash dividends to net income (ytd only)* | 71.3074% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 5,574 |
| Loan loss allowance to noncurrent loans | 58.3333% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 1.3005% | 4,484 |
| Noncurrent loans to loans | 1.9261% | 3,735 |
| Net loans and leases to total assets | 66.7618% | 4,242 |
| Net loans and leases to deposits | 82.1043% | 4,001 |
| Net loans and leases to core deposits | 105.1503% | 3,802 |
| Total domestic deposits to total assets | 81.3134% | 4,960 |
| Equity capital to assets | 12.7842% | 1,795 |
| Core capital (leverage) ratio | 12.0888% | 1,763 |
| Tier 1 risk-based capital ratio | 17.7046% | 2,073 |
| Total risk-based capital ratio | 18.8201% | 2,065 |
| Memoranda: | ||
| Average total assets | $47,356,000 | 6,862 |
| Average earning assets | $44,694,250 | 6,788 |
| Average equity | $5,937,750 | 6,683 |
| Average total loans | $31,911,250 | 6,570 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6627% | 582 |
| Cost of funding earning assets | 1.6331% | 5,591 |
| Net interest margin | 5.0296% | 403 |
| Noninterest income to average assets | 0.6660% | 3,222 |
| Noninterest expense to average assets | 2.7827% | 5,036 |
| Loan and lease loss provision to assets | 0.5769% | 2,710 |
| Net operating income to assets | 1.9598% | 327 |
| Return on assets (ROA) | 1.9598% | 357 |
| Pretax return on assets | 2.0489% | 498 |
| Return on Equity (ROE) | 15.7348% | 727 |
| Retained earnings to average equity (ytd only) | 7.0841% | 1,548 |
| Net charge-offs to loans | 0.0441% | 5,849 |
| Credit loss provision to net charge-offs | 1,942.8571% | 274 |
| Earnings coverage of net charge-offs (x) | 88.4286% | 430 |
| Efficiency ratio | 51.4510% | 7,556 |
| Assets per employee ($millions) | 2.9355% | 6,300 |
| Cash dividends to net income (ytd only)* | 54.9784% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 6,042 |
| Loan loss allowance to noncurrent loans | 57.3684% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 1.2136% | 4,508 |
| Noncurrent loans to loans | 1.7885% | 3,817 |
| Net loans and leases to total assets | 67.1585% | 4,329 |
| Net loans and leases to deposits | 78.1270% | 4,849 |
| Net loans and leases to core deposits | 103.2200% | 4,158 |
| Total domestic deposits to total assets | 85.9607% | 2,813 |
| Equity capital to assets | 12.8172% | 1,779 |
| Core capital (leverage) ratio | 12.1919% | 1,754 |
| Tier 1 risk-based capital ratio | 18.1356% | 1,979 |
| Total risk-based capital ratio | 19.1613% | 1,982 |
| Memoranda: | ||
| Average total assets | $47,147,670 | 6,937 |
| Average earning assets | $44,456,670 | 6,864 |
| Average equity | $5,872,330 | 6,772 |
| Average total loans | $31,749,330 | 6,624 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6777% | 605 |
| Cost of funding earning assets | 1.6964% | 5,615 |
| Net interest margin | 4.9814% | 419 |
| Noninterest income to average assets | 0.6436% | 3,243 |
| Noninterest expense to average assets | 2.5150% | 5,786 |
| Loan and lease loss provision to assets | 0.8976% | 1,457 |
| Net operating income to assets | 1.8629% | 466 |
| Return on assets (ROA) | 1.8629% | 521 |
| Pretax return on assets | 1.9307% | 753 |
| Return on Equity (ROE) | 15.1763% | 947 |
| Retained earnings to average equity (ytd only) | -2.3454% | 6,165 |
| Net charge-offs to loans | 0.1388% | 3,850 |
| Credit loss provision to net charge-offs | 963.6364% | 649 |
| Earnings coverage of net charge-offs (x) | 30.3636% | 1,042 |
| Efficiency ratio | 47.0681% | 7,787 |
| Assets per employee ($millions) | 2.9503% | 6,284 |
| Cash dividends to net income (ytd only)* | 115.4545% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 6,620 |
| Loan loss allowance to noncurrent loans | 50.7799% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 1.2223% | 4,238 |
| Noncurrent loans to loans | 1.8251% | 3,524 |
| Net loans and leases to total assets | 66.3531% | 4,498 |
| Net loans and leases to deposits | 76.7132% | 5,124 |
| Net loans and leases to core deposits | 102.6648% | 4,274 |
| Total domestic deposits to total assets | 86.4951% | 2,445 |
| Equity capital to assets | 12.2423% | 2,112 |
| Core capital (leverage) ratio | 11.9050% | 1,938 |
| Tier 1 risk-based capital ratio | 17.4675% | 2,196 |
| Total risk-based capital ratio | 18.3913% | 2,237 |
| Memoranda: | ||
| Average total assets | $47,237,500 | 6,969 |
| Average earning assets | $44,566,000 | 6,895 |
| Average equity | $5,798,500 | 6,837 |
| Average total loans | $31,689,000 | 6,667 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2647% | 641 |
| Cost of funding earning assets | 2.1939% | 5,625 |
| Net interest margin | 5.0708% | 436 |
| Noninterest income to average assets | 0.7705% | 2,666 |
| Noninterest expense to average assets | 2.7743% | 4,933 |
| Loan and lease loss provision to assets | 0.2458% | 4,455 |
| Net operating income to assets | 2.4046% | 156 |
| Return on assets (ROA) | 2.4046% | 154 |
| Pretax return on assets | 2.4843% | 204 |
| Return on Equity (ROE) | 19.6433% | 402 |
| Retained earnings to average equity (ytd only) | 5.8785% | 1,583 |
| Net charge-offs to loans | 0.4532% | 2,573 |
| Credit loss provision to net charge-offs | 77.0833% | 5,958 |
| Earnings coverage of net charge-offs (x) | 8.5625% | 2,863 |
| Efficiency ratio | 50.4023% | 7,631 |
| Assets per employee ($millions) | 2.9544% | 6,166 |
| Cash dividends to net income (ytd only)* | 70.0737% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6234% | 7,628 |
| Loan loss allowance to noncurrent loans | 19,800.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 7,301 |
| Noncurrent loans to loans | 0.0031% | 7,552 |
| Net loans and leases to total assets | 66.7760% | 4,688 |
| Net loans and leases to deposits | 77.5362% | 5,398 |
| Net loans and leases to core deposits | 98.9871% | 4,931 |
| Total domestic deposits to total assets | 86.1223% | 2,346 |
| Equity capital to assets | 12.3080% | 2,108 |
| Core capital (leverage) ratio | 11.7846% | 2,083 |
| Tier 1 risk-based capital ratio | 17.5598% | 2,164 |
| Total risk-based capital ratio | 18.1835% | 2,278 |
| Memoranda: | ||
| Average total assets | $45,163,800 | 6,985 |
| Average earning assets | $42,162,800 | 6,942 |
| Average equity | $5,528,600 | 6,971 |
| Average total loans | $31,774,000 | 6,617 |