Home > The City State Bank > Performance and Condition Ratios
The City State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0463% | 3,038 |
| Cost of funding earning assets | 1.2596% | 3,663 |
| Net interest margin | 3.7867% | 1,706 |
| Noninterest income to average assets | 0.4000% | 2,235 |
| Noninterest expense to average assets | 2.7576% | 1,607 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | 1.1096% | 1,986 |
| Return on assets (ROA) | 1.1240% | 1,936 |
| Pretax return on assets | 1.1690% | 2,313 |
| Return on Equity (ROE) | 15.0600% | 1,053 |
| Retained earnings to average equity (ytd only) | 4.3173% | 2,767 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 70.0952% | 1,800 |
| Assets per employee ($millions) | 6.7541% | 2,385 |
| Cash dividends to net income (ytd only)* | 71.3333% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 3,190 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.1481% | 2,772 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 62.8000% | 2,621 |
| Net loans and leases to deposits | 68.2909% | 2,967 |
| Net loans and leases to core deposits | 72.9934% | 3,129 |
| Total domestic deposits to total assets | 91.9500% | 299 |
| Equity capital to assets | 7.5195% | 3,841 |
| Core capital (leverage) ratio | 9.1638% | 3,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $53,380,500 | 4,192 |
| Average earning assets | $49,858,500 | 4,168 |
| Average equity | $3,984,000 | 4,300 |
| Average total loans | $34,540,500 | 4,023 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8447% | 3,349 |
| Cost of funding earning assets | 1.1336% | 3,898 |
| Net interest margin | 3.7111% | 1,665 |
| Noninterest income to average assets | 0.4000% | 2,453 |
| Noninterest expense to average assets | 2.7292% | 1,685 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.0751% | 1,825 |
| Return on assets (ROA) | 1.0917% | 1,771 |
| Pretax return on assets | 1.1221% | 2,180 |
| Return on Equity (ROE) | 15.0600% | 923 |
| Retained earnings to average equity (ytd only) | 6.4261% | 1,654 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 70.7594% | 1,900 |
| Assets per employee ($millions) | 5.8587% | 2,981 |
| Cash dividends to net income (ytd only)* | 57.3171% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9855% | 3,306 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 2,707 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 65.3600% | 2,430 |
| Net loans and leases to deposits | 72.3277% | 2,776 |
| Net loans and leases to core deposits | 77.4880% | 2,944 |
| Total domestic deposits to total assets | 90.3600% | 703 |
| Equity capital to assets | 7.4059% | 3,810 |
| Core capital (leverage) ratio | 9.2613% | 3,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $52,579,200 | 4,209 |
| Average earning assets | $48,960,600 | 4,185 |
| Average equity | $3,812,600 | 4,319 |
| Average total loans | $33,639,800 | 4,038 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7616% | 3,444 |
| Cost of funding earning assets | 1.0772% | 3,965 |
| Net interest margin | 3.6844% | 1,666 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 2.7457% | 1,574 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 1.0335% | 1,947 |
| Return on assets (ROA) | 1.0556% | 1,895 |
| Pretax return on assets | 1.0861% | 2,287 |
| Return on Equity (ROE) | 14.6400% | 1,011 |
| Retained earnings to average equity (ytd only) | 5.4535% | 2,282 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 71.7031% | 1,821 |
| Assets per employee ($millions) | 5.7993% | 3,029 |
| Cash dividends to net income (ytd only)* | 62.7404% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 3,157 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 2,711 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 63.1800% | 2,617 |
| Net loans and leases to deposits | 71.1051% | 2,888 |
| Net loans and leases to core deposits | 75.8063% | 3,076 |
| Total domestic deposits to total assets | 88.8500% | 958 |
| Equity capital to assets | 7.6944% | 3,878 |
| Core capital (leverage) ratio | 9.1751% | 3,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $52,542,000 | 4,233 |
| Average earning assets | $48,890,000 | 4,214 |
| Average equity | $3,789,500 | 4,346 |
| Average total loans | $33,348,500 | 4,059 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7098% | 3,455 |
| Cost of funding earning assets | 0.9868% | 4,034 |
| Net interest margin | 3.7230% | 1,552 |
| Noninterest income to average assets | 0.4000% | 2,384 |
| Noninterest expense to average assets | 2.7042% | 1,672 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 1.0984% | 1,727 |
| Return on assets (ROA) | 1.1242% | 1,663 |
| Pretax return on assets | 1.1584% | 2,039 |
| Return on Equity (ROE) | 15.9400% | 845 |
| Retained earnings to average equity (ytd only) | 7.3775% | 1,548 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 69.8724% | 2,134 |
| Assets per employee ($millions) | 5.8474% | 2,927 |
| Cash dividends to net income (ytd only)* | 53.7162% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 3,287 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 2,640 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 64.3500% | 2,524 |
| Net loans and leases to deposits | 71.7388% | 2,858 |
| Net loans and leases to core deposits | 76.3568% | 3,013 |
| Total domestic deposits to total assets | 89.7000% | 789 |
| Equity capital to assets | 7.0933% | 3,902 |
| Core capital (leverage) ratio | 9.0957% | 3,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $52,658,000 | 4,254 |
| Average earning assets | $49,047,000 | 4,225 |
| Average equity | $3,714,000 | 4,360 |
| Average total loans | $33,360,000 | 4,073 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6132% | 3,499 |
| Cost of funding earning assets | 0.8997% | 4,099 |
| Net interest margin | 3.7134% | 1,505 |
| Noninterest income to average assets | 0.4300% | 2,109 |
| Noninterest expense to average assets | 2.7338% | 1,600 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 1.0862% | 1,704 |
| Return on assets (ROA) | 1.0935% | 1,688 |
| Pretax return on assets | 1.1239% | 2,077 |
| Return on Equity (ROE) | 15.5500% | 904 |
| Retained earnings to average equity (ytd only) | 8.2062% | 1,501 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 70.5882% | 2,090 |
| Assets per employee ($millions) | 5.8582% | 2,947 |
| Cash dividends to net income (ytd only)* | 47.2222% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 3,269 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 2,633 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 62.3500% | 2,630 |
| Net loans and leases to deposits | 67.2758% | 3,084 |
| Net loans and leases to core deposits | 71.4162% | 3,255 |
| Total domestic deposits to total assets | 92.6800% | 221 |
| Equity capital to assets | 7.0215% | 3,889 |
| Core capital (leverage) ratio | 8.9371% | 3,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2482% | 1,219 |
| Memoranda: | ||
| Average total assets | $52,673,500 | 4,279 |
| Average earning assets | $48,903,500 | 4,254 |
| Average equity | $3,704,500 | 4,385 |
| Average total loans | $32,936,500 | 4,103 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1727% | 3,680 |
| Cost of funding earning assets | 0.7156% | 3,909 |
| Net interest margin | 3.4571% | 2,286 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.6597% | 1,848 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0443% | 2,083 |
| Return on assets (ROA) | 1.0425% | 2,062 |
| Pretax return on assets | 1.0763% | 2,480 |
| Return on Equity (ROE) | 16.1600% | 1,071 |
| Retained earnings to average equity (ytd only) | 6.1153% | 2,202 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.6234% | 1,802 |
| Assets per employee ($millions) | 5.8470% | 2,944 |
| Cash dividends to net income (ytd only)* | 62.1622% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 3,267 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 2,506 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 61.4500% | 2,720 |
| Net loans and leases to deposits | 66.3391% | 3,150 |
| Net loans and leases to core deposits | 70.8293% | 3,255 |
| Total domestic deposits to total assets | 92.6200% | 216 |
| Equity capital to assets | 7.0444% | 3,920 |
| Core capital (leverage) ratio | 8.8881% | 3,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2904% | 1,210 |
| Memoranda: | ||
| Average total assets | $53,238,600 | 4,287 |
| Average earning assets | $49,608,000 | 4,257 |
| Average equity | $3,434,000 | 4,394 |
| Average total loans | $32,169,000 | 4,108 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0563% | 3,743 |
| Cost of funding earning assets | 0.6467% | 3,880 |
| Net interest margin | 3.4096% | 2,429 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 2.6370% | 1,835 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0861% | 2,097 |
| Return on assets (ROA) | 1.0788% | 2,107 |
| Pretax return on assets | 1.1013% | 2,565 |
| Return on Equity (ROE) | 17.1100% | 1,058 |
| Retained earnings to average equity (ytd only) | 5.9817% | 2,640 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.7030% | 1,821 |
| Assets per employee ($millions) | 5.7871% | 2,941 |
| Cash dividends to net income (ytd only)* | 65.0463% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 3,334 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.1536% | 2,556 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 62.2300% | 2,632 |
| Net loans and leases to deposits | 67.3539% | 3,023 |
| Net loans and leases to core deposits | 71.4679% | 3,134 |
| Total domestic deposits to total assets | 92.3900% | 388 |
| Equity capital to assets | 6.1362% | 3,942 |
| Core capital (leverage) ratio | 8.8145% | 3,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8203% | 1,368 |
| Memoranda: | ||
| Average total assets | $53,392,500 | 4,299 |
| Average earning assets | $49,896,500 | 4,273 |
| Average equity | $3,365,750 | 4,416 |
| Average total loans | $32,045,250 | 4,127 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 3,788 |
| Cost of funding earning assets | 0.5608% | 3,853 |
| Net interest margin | 3.3887% | 2,552 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.5786% | 1,983 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.1661% | 1,928 |
| Return on assets (ROA) | 1.1518% | 1,959 |
| Pretax return on assets | 1.2038% | 2,347 |
| Return on Equity (ROE) | 18.1200% | 938 |
| Retained earnings to average equity (ytd only) | 8.7075% | 1,760 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.9238% | 2,111 |
| Assets per employee ($millions) | 5.8706% | 2,821 |
| Cash dividends to net income (ytd only)* | 51.9355% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 3,287 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 2,487 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 59.7800% | 2,794 |
| Net loans and leases to deposits | 64.2127% | 3,177 |
| Net loans and leases to core deposits | 67.6542% | 3,248 |
| Total domestic deposits to total assets | 93.0900% | 240 |
| Equity capital to assets | 6.6093% | 3,946 |
| Core capital (leverage) ratio | 8.7170% | 3,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8497% | 1,346 |
| Memoranda: | ||
| Average total assets | $53,828,667 | 4,314 |
| Average earning assets | $50,284,333 | 4,288 |
| Average equity | $3,422,333 | 4,446 |
| Average total loans | $31,814,000 | 4,142 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9154% | 3,642 |
| Cost of funding earning assets | 0.4894% | 3,730 |
| Net interest margin | 3.4260% | 2,562 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.5476% | 2,111 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0361% | 2,416 |
| Return on assets (ROA) | 0.9866% | 2,541 |
| Pretax return on assets | 1.0308% | 2,905 |
| Return on Equity (ROE) | 15.8200% | 1,394 |
| Retained earnings to average equity (ytd only) | 5.4317% | 2,910 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.1826% | 1,730 |
| Assets per employee ($millions) | 5.8797% | 2,868 |
| Cash dividends to net income (ytd only)* | 65.6716% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 3,539 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3288% | 1,540 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 59.2100% | 2,749 |
| Net loans and leases to deposits | 63.5357% | 3,124 |
| Net loans and leases to core deposits | 66.6015% | 3,178 |
| Total domestic deposits to total assets | 93.1900% | 276 |
| Equity capital to assets | 6.5839% | 4,002 |
| Core capital (leverage) ratio | 8.3754% | 4,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7272% | 1,434 |
| Memoranda: | ||
| Average total assets | $54,325,500 | 4,369 |
| Average earning assets | $50,671,500 | 4,346 |
| Average equity | $3,387,500 | 4,508 |
| Average total loans | $31,765,000 | 4,198 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8427% | 2,163 |
| Cost of funding earning assets | 0.2314% | 3,503 |
| Net interest margin | 3.6113% | 1,615 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.3843% | 2,471 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.1985% | 1,773 |
| Return on assets (ROA) | 1.1525% | 1,906 |
| Pretax return on assets | 1.1986% | 2,441 |
| Return on Equity (ROE) | 18.4200% | 642 |
| Retained earnings to average equity (ytd only) | 7.1631% | 2,171 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.5015% | 2,295 |
| Assets per employee ($millions) | 6.1927% | 2,600 |
| Cash dividends to net income (ytd only)* | 61.1200% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 3,260 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3122% | 1,611 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 56.6200% | 2,958 |
| Net loans and leases to deposits | 61.0926% | 3,267 |
| Net loans and leases to core deposits | 66.7372% | 3,082 |
| Total domestic deposits to total assets | 92.6800% | 470 |
| Equity capital to assets | 5.9048% | 4,128 |
| Core capital (leverage) ratio | 8.1158% | 4,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9806% | 1,635 |
| Memoranda: | ||
| Average total assets | $54,229,400 | 4,397 |
| Average earning assets | $49,261,600 | 4,381 |
| Average equity | $3,392,400 | 4,581 |
| Average total loans | $30,738,200 | 4,231 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7615% | 1,855 |
| Cost of funding earning assets | 0.2087% | 3,167 |
| Net interest margin | 3.5528% | 1,515 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.3991% | 2,333 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1336% | 1,960 |
| Return on assets (ROA) | 1.1265% | 1,946 |
| Pretax return on assets | 1.1760% | 2,467 |
| Return on Equity (ROE) | 17.7500% | 676 |
| Retained earnings to average equity (ytd only) | 7.2951% | 2,267 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.9661% | 2,157 |
| Assets per employee ($millions) | 5.9357% | 2,824 |
| Cash dividends to net income (ytd only)* | 58.9011% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 3,390 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 1,642 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 58.2100% | 2,673 |
| Net loans and leases to deposits | 61.6749% | 3,046 |
| Net loans and leases to core deposits | 63.7185% | 3,142 |
| Total domestic deposits to total assets | 94.3700% | 311 |
| Equity capital to assets | 5.3574% | 4,172 |
| Core capital (leverage) ratio | 8.0323% | 4,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9496% | 1,726 |
| Memoranda: | ||
| Average total assets | $53,853,250 | 4,433 |
| Average earning assets | $48,561,250 | 4,421 |
| Average equity | $3,417,750 | 4,619 |
| Average total loans | $30,452,000 | 4,262 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6409% | 1,718 |
| Cost of funding earning assets | 0.2078% | 2,812 |
| Net interest margin | 3.4331% | 1,504 |
| Noninterest income to average assets | 0.3852% | 2,840 |
| Noninterest expense to average assets | 2.3446% | 2,413 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0519% | 1,966 |
| Return on assets (ROA) | 1.0519% | 1,935 |
| Pretax return on assets | 1.1001% | 2,413 |
| Return on Equity (ROE) | 15.7646% | 742 |
| Retained earnings to average equity (ytd only) | 6.1060% | 2,299 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0645% | 2,232 |
| Assets per employee ($millions) | 6.0554% | 2,693 |
| Cash dividends to net income (ytd only)* | 61.2676% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 3,342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4312% | 1,316 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 55.0047% | 2,861 |
| Net loans and leases to deposits | 58.5740% | 3,174 |
| Net loans and leases to core deposits | 60.4851% | 3,237 |
| Total domestic deposits to total assets | 93.9063% | 297 |
| Equity capital to assets | 5.8698% | 4,245 |
| Core capital (leverage) ratio | 7.9868% | 4,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7190% | 1,793 |
| Memoranda: | ||
| Average total assets | $53,997,333 | 4,473 |
| Average earning assets | $48,119,333 | 4,478 |
| Average equity | $3,603,000 | 4,643 |
| Average total loans | $30,131,333 | 4,313 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6196% | 1,449 |
| Cost of funding earning assets | 0.2204% | 2,521 |
| Net interest margin | 3.3992% | 1,298 |
| Noninterest income to average assets | 0.3498% | 2,998 |
| Noninterest expense to average assets | 2.3071% | 2,476 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9824% | 1,956 |
| Return on assets (ROA) | 0.9824% | 1,954 |
| Pretax return on assets | 1.0270% | 2,361 |
| Return on Equity (ROE) | 13.8765% | 857 |
| Retained earnings to average equity (ytd only) | 5.1511% | 2,533 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1964% | 2,346 |
| Assets per employee ($millions) | 6.0781% | 2,736 |
| Cash dividends to net income (ytd only)* | 62.8788% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 3,445 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3345% | 297 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 53.9660% | 2,762 |
| Net loans and leases to deposits | 57.6909% | 3,107 |
| Net loans and leases to core deposits | 59.5722% | 3,184 |
| Total domestic deposits to total assets | 93.5433% | 164 |
| Equity capital to assets | 6.2903% | 4,499 |
| Core capital (leverage) ratio | 7.9953% | 4,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6043% | 1,953 |
| Memoranda: | ||
| Average total assets | $53,746,500 | 4,498 |
| Average earning assets | $47,187,000 | 4,516 |
| Average equity | $3,805,000 | 4,667 |
| Average total loans | $30,048,500 | 4,326 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1869% | 1,012 |
| Cost of funding earning assets | 0.3176% | 2,222 |
| Net interest margin | 3.8693% | 886 |
| Noninterest income to average assets | 0.3715% | 3,207 |
| Noninterest expense to average assets | 2.4145% | 2,446 |
| Loan and lease loss provision to assets | 0.0193% | 2,685 |
| Net operating income to assets | 0.9828% | 2,744 |
| Return on assets (ROA) | 0.9828% | 2,811 |
| Pretax return on assets | 1.0254% | 3,189 |
| Return on Equity (ROE) | 12.2251% | 1,739 |
| Retained earnings to average equity (ytd only) | 2.8156% | 3,721 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7987% | 1,758 |
| Assets per employee ($millions) | 5.2790% | 3,493 |
| Cash dividends to net income (ytd only)* | 76.9685% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 3,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3828% | 319 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 56.7077% | 2,518 |
| Net loans and leases to deposits | 61.7161% | 2,909 |
| Net loans and leases to core deposits | 64.1852% | 2,967 |
| Total domestic deposits to total assets | 91.8848% | 211 |
| Equity capital to assets | 7.8973% | 4,418 |
| Core capital (leverage) ratio | 7.8147% | 4,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9334% | 1,872 |
| Memoranda: | ||
| Average total assets | $51,687,000 | 4,545 |
| Average earning assets | $41,248,000 | 4,606 |
| Average equity | $4,155,400 | 4,693 |
| Average total loans | $29,482,600 | 4,383 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 1,050 |
| Cost of funding earning assets | 0.3334% | 2,265 |
| Net interest margin | 3.9046% | 933 |
| Noninterest income to average assets | 0.3838% | 3,182 |
| Noninterest expense to average assets | 2.3807% | 2,500 |
| Loan and lease loss provision to assets | 0.0253% | 2,490 |
| Net operating income to assets | 0.9933% | 2,938 |
| Return on assets (ROA) | 0.9933% | 3,014 |
| Pretax return on assets | 1.0451% | 3,337 |
| Return on Equity (ROE) | 12.2990% | 1,940 |
| Retained earnings to average equity (ytd only) | 2.3763% | 4,089 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9707% | 1,708 |
| Assets per employee ($millions) | 5.9249% | 2,766 |
| Cash dividends to net income (ytd only)* | 80.6789% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 3,493 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3690% | 389 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 54.5402% | 2,902 |
| Net loans and leases to deposits | 59.3022% | 3,295 |
| Net loans and leases to core deposits | 61.6453% | 3,351 |
| Total domestic deposits to total assets | 91.9698% | 135 |
| Equity capital to assets | 7.8126% | 4,603 |
| Core capital (leverage) ratio | 7.8965% | 4,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2143% | 1,892 |
| Memoranda: | ||
| Average total assets | $51,411,250 | 4,612 |
| Average earning assets | $40,395,500 | 4,680 |
| Average equity | $4,152,000 | 4,763 |
| Average total loans | $29,289,250 | 4,448 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3074% | 998 |
| Cost of funding earning assets | 0.3460% | 2,346 |
| Net interest margin | 3.9614% | 872 |
| Noninterest income to average assets | 0.4057% | 3,081 |
| Noninterest expense to average assets | 2.3871% | 2,503 |
| Loan and lease loss provision to assets | 0.0394% | 2,210 |
| Net operating income to assets | 1.0399% | 2,759 |
| Return on assets (ROA) | 1.0399% | 2,834 |
| Pretax return on assets | 1.0911% | 3,245 |
| Return on Equity (ROE) | 12.7311% | 1,813 |
| Retained earnings to average equity (ytd only) | 2.5076% | 3,998 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8611% | 1,895 |
| Assets per employee ($millions) | 5.9002% | 2,713 |
| Cash dividends to net income (ytd only)* | 80.3030% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0695% | 3,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3747% | 451 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 55.7418% | 2,935 |
| Net loans and leases to deposits | 60.5912% | 3,338 |
| Net loans and leases to core deposits | 62.6933% | 3,404 |
| Total domestic deposits to total assets | 91.9965% | 125 |
| Equity capital to assets | 7.8170% | 4,623 |
| Core capital (leverage) ratio | 7.8877% | 4,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,773,667 | 4,646 |
| Average earning assets | $39,884,667 | 4,717 |
| Average equity | $4,147,333 | 4,793 |
| Average total loans | $29,251,333 | 4,481 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4527% | 837 |
| Cost of funding earning assets | 0.3702% | 2,352 |
| Net interest margin | 4.0825% | 740 |
| Noninterest income to average assets | 0.4757% | 2,724 |
| Noninterest expense to average assets | 2.4270% | 2,412 |
| Loan and lease loss provision to assets | 0.0806% | 1,606 |
| Net operating income to assets | 1.1046% | 2,462 |
| Return on assets (ROA) | 1.1046% | 2,540 |
| Pretax return on assets | 1.1691% | 2,927 |
| Return on Equity (ROE) | 13.2192% | 1,613 |
| Retained earnings to average equity (ytd only) | 3.0877% | 3,754 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0088% | 2,236 |
| Assets per employee ($millions) | 5.6097% | 3,012 |
| Cash dividends to net income (ytd only)* | 76.6423% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 3,489 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4558% | 450 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 57.5831% | 2,846 |
| Net loans and leases to deposits | 62.8285% | 3,239 |
| Net loans and leases to core deposits | 63.9972% | 3,413 |
| Total domestic deposits to total assets | 91.6513% | 207 |
| Equity capital to assets | 8.1625% | 4,387 |
| Core capital (leverage) ratio | 8.4674% | 4,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,609,500 | 4,675 |
| Average earning assets | $38,898,000 | 4,742 |
| Average equity | $4,145,500 | 4,818 |
| Average total loans | $28,917,000 | 4,512 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6547% | 978 |
| Cost of funding earning assets | 0.4657% | 3,180 |
| Net interest margin | 4.1890% | 649 |
| Noninterest income to average assets | 0.3934% | 3,130 |
| Noninterest expense to average assets | 2.6712% | 2,324 |
| Loan and lease loss provision to assets | 0.0693% | 3,513 |
| Net operating income to assets | 1.1177% | 1,848 |
| Return on assets (ROA) | 1.1177% | 1,966 |
| Pretax return on assets | 1.1713% | 2,437 |
| Return on Equity (ROE) | 12.2778% | 1,240 |
| Retained earnings to average equity (ytd only) | 3.5606% | 3,054 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2857% | 2,198 |
| Assets per employee ($millions) | 5.4147% | 2,939 |
| Cash dividends to net income (ytd only)* | 71.0000% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 3,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5082% | 483 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 57.7280% | 3,114 |
| Net loans and leases to deposits | 63.2905% | 3,493 |
| Net loans and leases to core deposits | 64.9115% | 3,636 |
| Total domestic deposits to total assets | 91.2111% | 177 |
| Equity capital to assets | 8.5570% | 4,409 |
| Core capital (leverage) ratio | 8.5452% | 4,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,736,200 | 4,708 |
| Average earning assets | $37,574,600 | 4,745 |
| Average equity | $4,072,400 | 4,837 |
| Average total loans | $28,105,800 | 4,552 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6376% | 1,216 |
| Cost of funding earning assets | 0.4840% | 3,333 |
| Net interest margin | 4.1535% | 803 |
| Noninterest income to average assets | 0.4024% | 3,064 |
| Noninterest expense to average assets | 2.7527% | 2,111 |
| Loan and lease loss provision to assets | 0.0457% | 3,785 |
| Net operating income to assets | 1.1127% | 1,938 |
| Return on assets (ROA) | 1.1127% | 2,061 |
| Pretax return on assets | 1.1615% | 2,522 |
| Return on Equity (ROE) | 12.0221% | 1,363 |
| Retained earnings to average equity (ytd only) | 3.6560% | 3,223 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5150% | 1,958 |
| Assets per employee ($millions) | 5.2829% | 2,911 |
| Cash dividends to net income (ytd only)* | 69.5890% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 3,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5459% | 543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 62.1609% | 2,987 |
| Net loans and leases to deposits | 68.2768% | 3,446 |
| Net loans and leases to core deposits | 70.0704% | 3,624 |
| Total domestic deposits to total assets | 91.0424% | 164 |
| Equity capital to assets | 8.6989% | 4,332 |
| Core capital (leverage) ratio | 8.6947% | 4,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,737,250 | 4,746 |
| Average earning assets | $37,461,250 | 4,772 |
| Average equity | $4,048,000 | 4,862 |
| Average total loans | $28,021,750 | 4,578 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5862% | 1,675 |
| Cost of funding earning assets | 0.5060% | 3,494 |
| Net interest margin | 4.0802% | 1,158 |
| Noninterest income to average assets | 0.4286% | 2,921 |
| Noninterest expense to average assets | 2.8492% | 1,979 |
| Loan and lease loss provision to assets | 0.0188% | 4,001 |
| Net operating income to assets | 1.0832% | 2,026 |
| Return on assets (ROA) | 1.0832% | 2,147 |
| Pretax return on assets | 1.1303% | 2,618 |
| Return on Equity (ROE) | 11.4466% | 1,493 |
| Retained earnings to average equity (ytd only) | 2.8865% | 3,435 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2603% | 1,791 |
| Assets per employee ($millions) | 5.1466% | 3,001 |
| Cash dividends to net income (ytd only)* | 74.7826% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 3,653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5868% | 568 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 61.5147% | 3,167 |
| Net loans and leases to deposits | 67.6504% | 3,598 |
| Net loans and leases to core deposits | 69.9077% | 3,714 |
| Total domestic deposits to total assets | 90.9303% | 161 |
| Equity capital to assets | 8.8193% | 4,243 |
| Core capital (leverage) ratio | 9.0011% | 3,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,467,667 | 4,782 |
| Average earning assets | $37,155,333 | 4,801 |
| Average equity | $4,018,667 | 4,893 |
| Average total loans | $27,412,667 | 4,608 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6544% | 1,835 |
| Cost of funding earning assets | 0.5387% | 3,752 |
| Net interest margin | 4.1157% | 1,099 |
| Noninterest income to average assets | 0.5032% | 2,535 |
| Noninterest expense to average assets | 3.0487% | 1,769 |
| Loan and lease loss provision to assets | 0.0197% | 3,548 |
| Net operating income to assets | 1.1544% | 1,680 |
| Return on assets (ROA) | 1.1544% | 1,785 |
| Pretax return on assets | 1.2037% | 2,184 |
| Return on Equity (ROE) | 11.7426% | 1,182 |
| Retained earnings to average equity (ytd only) | 2.8102% | 3,154 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3626% | 2,174 |
| Assets per employee ($millions) | 4.6066% | 3,124 |
| Cash dividends to net income (ytd only)* | 76.0684% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 3,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7728% | 526 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 63.7907% | 3,093 |
| Net loans and leases to deposits | 70.7650% | 3,538 |
| Net loans and leases to core deposits | 73.9756% | 3,634 |
| Total domestic deposits to total assets | 90.1445% | 282 |
| Equity capital to assets | 9.6216% | 4,114 |
| Core capital (leverage) ratio | 9.7204% | 3,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,542,000 | 4,844 |
| Average earning assets | $37,126,000 | 4,830 |
| Average equity | $3,985,500 | 4,939 |
| Average total loans | $26,731,000 | 4,659 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 2,816 |
| Cost of funding earning assets | 0.5606% | 3,822 |
| Net interest margin | 3.9774% | 1,916 |
| Noninterest income to average assets | 0.4537% | 2,989 |
| Noninterest expense to average assets | 3.0198% | 1,969 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0834% | 2,511 |
| Return on assets (ROA) | 1.0810% | 2,618 |
| Pretax return on assets | 1.1256% | 3,092 |
| Return on Equity (ROE) | 11.2772% | 1,783 |
| Retained earnings to average equity (ytd only) | 3.9056% | 3,015 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8033% | 1,757 |
| Assets per employee ($millions) | 4.4028% | 3,365 |
| Cash dividends to net income (ytd only)* | 65.3670% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 3,260 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8549% | 456 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 66.7634% | 2,864 |
| Net loans and leases to deposits | 74.4456% | 3,312 |
| Net loans and leases to core deposits | 78.6158% | 3,403 |
| Total domestic deposits to total assets | 89.6808% | 435 |
| Equity capital to assets | 10.0492% | 3,871 |
| Core capital (leverage) ratio | 9.7713% | 3,762 |
| Tier 1 risk-based capital ratio | 15.7756% | 2,479 |
| Total risk-based capital ratio | 16.8904% | 2,467 |
| Memoranda: | ||
| Average total assets | $40,334,000 | 4,888 |
| Average earning assets | $37,461,200 | 4,870 |
| Average equity | $3,866,200 | 5,001 |
| Average total loans | $26,942,000 | 4,708 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4498% | 3,207 |
| Cost of funding earning assets | 0.5615% | 3,860 |
| Net interest margin | 3.8882% | 2,299 |
| Noninterest income to average assets | 0.4575% | 2,979 |
| Noninterest expense to average assets | 3.0048% | 1,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0300% | 2,859 |
| Return on assets (ROA) | 1.0269% | 2,954 |
| Pretax return on assets | 1.0729% | 3,366 |
| Return on Equity (ROE) | 10.8408% | 2,079 |
| Retained earnings to average equity (ytd only) | 3.5093% | 3,651 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6290% | 1,624 |
| Assets per employee ($millions) | 3.9988% | 3,907 |
| Cash dividends to net income (ytd only)* | 67.6290% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 3,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8381% | 530 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 63.9367% | 3,293 |
| Net loans and leases to deposits | 71.2947% | 3,660 |
| Net loans and leases to core deposits | 74.6896% | 3,788 |
| Total domestic deposits to total assets | 89.6794% | 381 |
| Equity capital to assets | 9.8229% | 4,187 |
| Core capital (leverage) ratio | 9.8484% | 3,788 |
| Tier 1 risk-based capital ratio | 15.9070% | 2,471 |
| Total risk-based capital ratio | 17.0455% | 2,456 |
| Memoranda: | ||
| Average total assets | $40,511,250 | 4,955 |
| Average earning assets | $37,754,000 | 4,939 |
| Average equity | $3,837,250 | 5,078 |
| Average total loans | $26,994,000 | 4,774 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3571% | 3,463 |
| Cost of funding earning assets | 0.5512% | 3,873 |
| Net interest margin | 3.8059% | 2,569 |
| Noninterest income to average assets | 0.4719% | 2,828 |
| Noninterest expense to average assets | 3.0035% | 1,996 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9879% | 2,962 |
| Return on assets (ROA) | 0.9831% | 3,049 |
| Pretax return on assets | 1.0274% | 3,456 |
| Return on Equity (ROE) | 10.5070% | 2,171 |
| Retained earnings to average equity (ytd only) | 1.4184% | 4,314 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4214% | 1,594 |
| Assets per employee ($millions) | 3.9899% | 3,875 |
| Cash dividends to net income (ytd only)* | 86.5000% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 3,422 |
| Loan loss allowance to noncurrent loans | 38.1669% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 1.8321% | 543 |
| Noncurrent loans to loans | 2.7093% | 400 |
| Net loans and leases to total assets | 66.9240% | 2,981 |
| Net loans and leases to deposits | 74.9256% | 3,433 |
| Net loans and leases to core deposits | 78.5076% | 3,539 |
| Total domestic deposits to total assets | 89.3205% | 529 |
| Equity capital to assets | 9.6343% | 4,285 |
| Core capital (leverage) ratio | 9.4626% | 4,184 |
| Tier 1 risk-based capital ratio | 15.3961% | 2,660 |
| Total risk-based capital ratio | 16.5197% | 2,660 |
| Memoranda: | ||
| Average total assets | $40,685,670 | 4,994 |
| Average earning assets | $38,098,330 | 4,979 |
| Average equity | $3,807,000 | 5,122 |
| Average total loans | $27,376,670 | 4,802 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5996% | 2,532 |
| Cost of funding earning assets | 0.5711% | 3,723 |
| Net interest margin | 4.0285% | 1,767 |
| Noninterest income to average assets | 0.4674% | 2,749 |
| Noninterest expense to average assets | 3.0186% | 1,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1778% | 2,135 |
| Return on assets (ROA) | 1.1685% | 2,237 |
| Pretax return on assets | 1.2172% | 2,741 |
| Return on Equity (ROE) | 12.6699% | 1,331 |
| Retained earnings to average equity (ytd only) | 2.7451% | 3,841 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1009% | 2,170 |
| Assets per employee ($millions) | 4.1068% | 3,756 |
| Cash dividends to net income (ytd only)* | 78.3333% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0202% | 3,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 65.9102% | 3,067 |
| Net loans and leases to deposits | 72.8476% | 3,541 |
| Net loans and leases to core deposits | 76.2114% | 3,646 |
| Total domestic deposits to total assets | 90.4768% | 296 |
| Equity capital to assets | 9.2992% | 4,435 |
| Core capital (leverage) ratio | 9.3650% | 4,300 |
| Tier 1 risk-based capital ratio | 15.1101% | 2,832 |
| Total risk-based capital ratio | 16.2128% | 2,829 |
| Memoranda: | ||
| Average total assets | $41,079,000 | 5,043 |
| Average earning assets | $38,525,500 | 5,025 |
| Average equity | $3,788,500 | 5,170 |
| Average total loans | $27,574,500 | 4,850 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4429% | 2,624 |
| Cost of funding earning assets | 0.3700% | 4,158 |
| Net interest margin | 4.0728% | 1,763 |
| Noninterest income to average assets | 0.4818% | 2,933 |
| Noninterest expense to average assets | 2.9325% | 2,234 |
| Loan and lease loss provision to assets | 0.0492% | 3,202 |
| Net operating income to assets | 1.2856% | 1,859 |
| Return on assets (ROA) | 1.2856% | 1,852 |
| Pretax return on assets | 1.3421% | 2,353 |
| Return on Equity (ROE) | 14.2251% | 999 |
| Retained earnings to average equity (ytd only) | 4.1887% | 3,246 |
| Net charge-offs to loans | 0.0038% | 3,593 |
| Credit loss provision to net charge-offs | 2,000.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 566.0000% | 196 |
| Efficiency ratio | 67.8226% | 2,574 |
| Assets per employee ($millions) | 4.5656% | 3,066 |
| Cash dividends to net income (ytd only)* | 70.5545% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 3,663 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 66.9822% | 3,006 |
| Net loans and leases to deposits | 77.6367% | 3,209 |
| Net loans and leases to core deposits | 81.4001% | 3,317 |
| Total domestic deposits to total assets | 86.2765% | 2,102 |
| Equity capital to assets | 9.1458% | 4,453 |
| Core capital (leverage) ratio | 9.4416% | 4,181 |
| Tier 1 risk-based capital ratio | 14.7658% | 2,936 |
| Total risk-based capital ratio | 15.8511% | 2,936 |
| Memoranda: | ||
| Average total assets | $40,682,000 | 5,088 |
| Average earning assets | $38,376,200 | 5,068 |
| Average equity | $3,676,600 | 5,213 |
| Average total loans | $26,354,200 | 4,898 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4260% | 2,544 |
| Cost of funding earning assets | 0.3448% | 4,222 |
| Net interest margin | 4.0813% | 1,688 |
| Noninterest income to average assets | 0.4797% | 2,985 |
| Noninterest expense to average assets | 2.9505% | 2,163 |
| Loan and lease loss provision to assets | 0.0394% | 3,214 |
| Net operating income to assets | 1.2847% | 1,913 |
| Return on assets (ROA) | 1.2847% | 1,916 |
| Pretax return on assets | 1.3405% | 2,465 |
| Return on Equity (ROE) | 14.2583% | 1,052 |
| Retained earnings to average equity (ytd only) | 4.0842% | 3,730 |
| Net charge-offs to loans | 0.0051% | 3,255 |
| Credit loss provision to net charge-offs | 1,200.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 421.0451% | 223 |
| Efficiency ratio | 68.1335% | 2,514 |
| Assets per employee ($millions) | 4.4151% | 3,247 |
| Cash dividends to net income (ytd only)* | 71.3554% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 3,544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 64.9889% | 3,303 |
| Net loans and leases to deposits | 71.8871% | 3,779 |
| Net loans and leases to core deposits | 75.3128% | 3,854 |
| Total domestic deposits to total assets | 90.4042% | 378 |
| Equity capital to assets | 9.2964% | 4,279 |
| Core capital (leverage) ratio | 9.2338% | 4,478 |
| Tier 1 risk-based capital ratio | 15.6033% | 2,601 |
| Total risk-based capital ratio | 16.7297% | 2,590 |
| Memoranda: | ||
| Average total assets | $40,580,000 | 5,154 |
| Average earning assets | $38,287,500 | 5,133 |
| Average equity | $3,656,250 | 5,280 |
| Average total loans | $25,992,250 | 4,967 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3893% | 2,457 |
| Cost of funding earning assets | 0.3317% | 4,192 |
| Net interest margin | 4.0577% | 1,678 |
| Noninterest income to average assets | 0.4748% | 3,007 |
| Noninterest expense to average assets | 2.9172% | 2,305 |
| Loan and lease loss provision to assets | 0.0441% | 3,018 |
| Net operating income to assets | 1.2873% | 1,832 |
| Return on assets (ROA) | 1.2873% | 1,829 |
| Pretax return on assets | 1.3460% | 2,338 |
| Return on Equity (ROE) | 14.4360% | 974 |
| Retained earnings to average equity (ytd only) | 5.4890% | 2,830 |
| Net charge-offs to loans | 0.0077% | 2,853 |
| Credit loss provision to net charge-offs | 900.0000% | 448 |
| Earnings coverage of net charge-offs (x) | 284.0000% | 317 |
| Efficiency ratio | 67.7273% | 2,693 |
| Assets per employee ($millions) | 4.5074% | 3,121 |
| Cash dividends to net income (ytd only)* | 61.9772% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 3,755 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 64.6240% | 3,328 |
| Net loans and leases to deposits | 71.2837% | 3,763 |
| Net loans and leases to core deposits | 74.5875% | 3,837 |
| Total domestic deposits to total assets | 90.6574% | 345 |
| Equity capital to assets | 9.1059% | 4,476 |
| Core capital (leverage) ratio | 9.0502% | 4,648 |
| Tier 1 risk-based capital ratio | 15.4290% | 2,673 |
| Total risk-based capital ratio | 16.5340% | 2,667 |
| Memoranda: | ||
| Average total assets | $40,861,330 | 5,206 |
| Average earning assets | $38,593,670 | 5,186 |
| Average equity | $3,643,670 | 5,346 |
| Average total loans | $25,958,000 | 5,022 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 2,698 |
| Cost of funding earning assets | 0.3105% | 4,260 |
| Net interest margin | 3.9428% | 1,887 |
| Noninterest income to average assets | 0.4779% | 2,954 |
| Noninterest expense to average assets | 2.9262% | 2,266 |
| Loan and lease loss provision to assets | 0.0293% | 3,129 |
| Net operating income to assets | 1.1900% | 2,051 |
| Return on assets (ROA) | 1.1900% | 2,063 |
| Pretax return on assets | 1.2388% | 2,602 |
| Return on Equity (ROE) | 13.4863% | 1,139 |
| Retained earnings to average equity (ytd only) | 3.0952% | 3,968 |
| Net charge-offs to loans | 0.0156% | 2,208 |
| Credit loss provision to net charge-offs | 300.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 501 |
| Efficiency ratio | 69.7674% | 2,520 |
| Assets per employee ($millions) | 4.5651% | 3,046 |
| Cash dividends to net income (ytd only)* | 77.0492% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 3,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 61.8435% | 3,570 |
| Net loans and leases to deposits | 67.9512% | 3,952 |
| Net loans and leases to core deposits | 71.0364% | 4,027 |
| Total domestic deposits to total assets | 91.0115% | 314 |
| Equity capital to assets | 8.8059% | 4,735 |
| Core capital (leverage) ratio | 8.9608% | 4,722 |
| Tier 1 risk-based capital ratio | 15.4774% | 2,671 |
| Total risk-based capital ratio | 16.5823% | 2,667 |
| Memoranda: | ||
| Average total assets | $41,008,500 | 5,266 |
| Average earning assets | $38,653,000 | 5,246 |
| Average equity | $3,618,500 | 5,405 |
| Average total loans | $25,695,000 | 5,085 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1185% | 2,988 |
| Cost of funding earning assets | 0.3274% | 3,897 |
| Net interest margin | 3.7911% | 2,457 |
| Noninterest income to average assets | 0.5079% | 2,950 |
| Noninterest expense to average assets | 2.8045% | 2,752 |
| Loan and lease loss provision to assets | 0.0578% | 3,076 |
| Net operating income to assets | 1.1676% | 1,626 |
| Return on assets (ROA) | 1.1676% | 1,655 |
| Pretax return on assets | 1.2133% | 2,718 |
| Return on Equity (ROE) | 13.6527% | 820 |
| Retained earnings to average equity (ytd only) | 4.9262% | 2,172 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8128% | 2,744 |
| Assets per employee ($millions) | 3.7210% | 4,401 |
| Cash dividends to net income (ytd only)* | 63.9175% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 3,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 62.1998% | 3,591 |
| Net loans and leases to deposits | 68.3977% | 3,999 |
| Net loans and leases to core deposits | 71.5080% | 4,082 |
| Total domestic deposits to total assets | 90.9384% | 254 |
| Equity capital to assets | 8.8417% | 4,861 |
| Core capital (leverage) ratio | 8.7165% | 4,934 |
| Tier 1 risk-based capital ratio | 15.2736% | 2,717 |
| Total risk-based capital ratio | 16.3640% | 2,726 |
| Memoranda: | ||
| Average total assets | $41,539,800 | 5,309 |
| Average earning assets | $39,091,600 | 5,289 |
| Average equity | $3,552,400 | 5,473 |
| Average total loans | $24,621,800 | 5,172 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0449% | 3,197 |
| Cost of funding earning assets | 0.3192% | 3,941 |
| Net interest margin | 3.7256% | 2,674 |
| Noninterest income to average assets | 0.5245% | 2,872 |
| Noninterest expense to average assets | 2.8206% | 2,658 |
| Loan and lease loss provision to assets | 0.0416% | 3,275 |
| Net operating income to assets | 1.1225% | 1,982 |
| Return on assets (ROA) | 1.1225% | 2,050 |
| Pretax return on assets | 1.1705% | 3,020 |
| Return on Equity (ROE) | 13.2359% | 1,003 |
| Retained earnings to average equity (ytd only) | 4.9777% | 2,900 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9445% | 2,547 |
| Assets per employee ($millions) | 4.1795% | 3,683 |
| Cash dividends to net income (ytd only)* | 62.3924% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 4,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 59.7679% | 3,892 |
| Net loans and leases to deposits | 65.6074% | 4,281 |
| Net loans and leases to core deposits | 68.5134% | 4,334 |
| Total domestic deposits to total assets | 91.0994% | 163 |
| Equity capital to assets | 8.6398% | 5,199 |
| Core capital (leverage) ratio | 8.5780% | 5,185 |
| Tier 1 risk-based capital ratio | 15.1927% | 2,841 |
| Total risk-based capital ratio | 16.2438% | 2,849 |
| Memoranda: | ||
| Average total assets | $41,692,000 | 5,368 |
| Average earning assets | $39,258,500 | 5,344 |
| Average equity | $3,535,750 | 5,540 |
| Average total loans | $24,347,500 | 5,233 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9354% | 3,431 |
| Cost of funding earning assets | 0.3212% | 3,868 |
| Net interest margin | 3.6143% | 2,981 |
| Noninterest income to average assets | 0.5041% | 3,002 |
| Noninterest expense to average assets | 2.7798% | 2,831 |
| Loan and lease loss provision to assets | 0.0288% | 3,422 |
| Net operating income to assets | 1.0514% | 2,199 |
| Return on assets (ROA) | 1.0514% | 2,243 |
| Pretax return on assets | 1.0994% | 3,180 |
| Return on Equity (ROE) | 12.4763% | 1,168 |
| Retained earnings to average equity (ytd only) | 4.6715% | 2,932 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1302% | 2,492 |
| Assets per employee ($millions) | 4.2426% | 3,536 |
| Cash dividends to net income (ytd only)* | 62.5571% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 4,304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 58.0446% | 4,028 |
| Net loans and leases to deposits | 63.5215% | 4,399 |
| Net loans and leases to core deposits | 65.8308% | 4,481 |
| Total domestic deposits to total assets | 91.3779% | 145 |
| Equity capital to assets | 8.4029% | 5,353 |
| Core capital (leverage) ratio | 8.3216% | 5,335 |
| Tier 1 risk-based capital ratio | 15.2945% | 2,800 |
| Total risk-based capital ratio | 16.3371% | 2,827 |
| Memoranda: | ||
| Average total assets | $41,657,670 | 5,412 |
| Average earning assets | $39,233,330 | 5,387 |
| Average equity | $3,510,670 | 5,584 |
| Average total loans | $24,053,670 | 5,282 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7795% | 3,832 |
| Cost of funding earning assets | 0.2978% | 4,067 |
| Net interest margin | 3.4817% | 3,344 |
| Noninterest income to average assets | 0.5524% | 2,649 |
| Noninterest expense to average assets | 2.8105% | 2,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9885% | 2,355 |
| Return on assets (ROA) | 0.9885% | 2,404 |
| Pretax return on assets | 1.0273% | 3,252 |
| Return on Equity (ROE) | 11.7124% | 1,333 |
| Retained earnings to average equity (ytd only) | 3.5596% | 3,666 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2323% | 2,367 |
| Assets per employee ($millions) | 4.2534% | 3,584 |
| Cash dividends to net income (ytd only)* | 69.6078% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 4,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 55.2805% | 4,227 |
| Net loans and leases to deposits | 60.3362% | 4,544 |
| Net loans and leases to core deposits | 61.6912% | 4,679 |
| Total domestic deposits to total assets | 91.6208% | 160 |
| Equity capital to assets | 8.2287% | 5,397 |
| Core capital (leverage) ratio | 8.5992% | 5,155 |
| Tier 1 risk-based capital ratio | 15.7980% | 2,621 |
| Total risk-based capital ratio | 16.8639% | 2,645 |
| Memoranda: | ||
| Average total assets | $41,273,500 | 5,482 |
| Average earning assets | $38,946,500 | 5,450 |
| Average equity | $3,483,500 | 5,647 |
| Average total loans | $23,646,500 | 5,348 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9905% | 3,224 |
| Cost of funding earning assets | 0.3455% | 3,578 |
| Net interest margin | 3.6451% | 2,908 |
| Noninterest income to average assets | 0.5018% | 3,225 |
| Noninterest expense to average assets | 2.8755% | 2,764 |
| Loan and lease loss provision to assets | 0.0229% | 3,913 |
| Net operating income to assets | 0.9740% | 2,469 |
| Return on assets (ROA) | 0.9984% | 2,464 |
| Pretax return on assets | 1.0417% | 3,321 |
| Return on Equity (ROE) | 11.5301% | 1,385 |
| Retained earnings to average equity (ytd only) | 4.1473% | 2,955 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4548% | 2,354 |
| Assets per employee ($millions) | 4.0013% | 3,964 |
| Cash dividends to net income (ytd only)* | 64.0306% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 4,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 58.2511% | 4,044 |
| Net loans and leases to deposits | 63.9241% | 4,419 |
| Net loans and leases to core deposits | 66.0508% | 4,522 |
| Total domestic deposits to total assets | 91.1254% | 241 |
| Equity capital to assets | 8.6647% | 5,137 |
| Core capital (leverage) ratio | 8.5358% | 5,223 |
| Tier 1 risk-based capital ratio | 15.8306% | 2,617 |
| Total risk-based capital ratio | 16.9078% | 2,611 |
| Memoranda: | ||
| Average total assets | $39,262,400 | 5,554 |
| Average earning assets | $36,762,000 | 5,530 |
| Average equity | $3,399,800 | 5,712 |
| Average total loans | $23,167,400 | 5,414 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9860% | 3,279 |
| Cost of funding earning assets | 0.3504% | 3,532 |
| Net interest margin | 3.6356% | 2,942 |
| Noninterest income to average assets | 0.4914% | 3,312 |
| Noninterest expense to average assets | 2.8867% | 2,678 |
| Loan and lease loss provision to assets | 0.0239% | 3,769 |
| Net operating income to assets | 0.9397% | 2,704 |
| Return on assets (ROA) | 0.9725% | 2,688 |
| Pretax return on assets | 1.0134% | 3,586 |
| Return on Equity (ROE) | 11.2323% | 1,580 |
| Retained earnings to average equity (ytd only) | 3.5075% | 3,790 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2105% | 2,248 |
| Assets per employee ($millions) | 4.1057% | 3,777 |
| Cash dividends to net income (ytd only)* | 68.7729% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 4,326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 55.6202% | 4,348 |
| Net loans and leases to deposits | 60.8571% | 4,695 |
| Net loans and leases to core deposits | 62.8174% | 4,787 |
| Total domestic deposits to total assets | 91.3949% | 128 |
| Equity capital to assets | 8.3494% | 5,609 |
| Core capital (leverage) ratio | 8.5325% | 5,333 |
| Tier 1 risk-based capital ratio | 15.6647% | 2,762 |
| Total risk-based capital ratio | 16.7377% | 2,770 |
| Memoranda: | ||
| Average total assets | $39,074,750 | 5,610 |
| Average earning assets | $36,527,250 | 5,586 |
| Average equity | $3,383,000 | 5,775 |
| Average total loans | $23,073,250 | 5,471 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0224% | 3,170 |
| Cost of funding earning assets | 0.3500% | 3,566 |
| Net interest margin | 3.6724% | 2,814 |
| Noninterest income to average assets | 0.5050% | 3,162 |
| Noninterest expense to average assets | 2.9104% | 2,640 |
| Loan and lease loss provision to assets | 0.0312% | 3,504 |
| Net operating income to assets | 0.9601% | 2,580 |
| Return on assets (ROA) | 1.0100% | 2,482 |
| Pretax return on assets | 1.0569% | 3,374 |
| Return on Equity (ROE) | 11.5202% | 1,474 |
| Retained earnings to average equity (ytd only) | 3.8005% | 3,466 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7467% | 2,397 |
| Assets per employee ($millions) | 3.9209% | 4,058 |
| Cash dividends to net income (ytd only)* | 67.0103% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 4,550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 59.0145% | 4,011 |
| Net loans and leases to deposits | 64.7933% | 4,438 |
| Net loans and leases to core deposits | 67.1182% | 4,536 |
| Total domestic deposits to total assets | 91.0811% | 179 |
| Equity capital to assets | 8.6893% | 5,492 |
| Core capital (leverage) ratio | 8.7074% | 5,164 |
| Tier 1 risk-based capital ratio | 15.3766% | 2,916 |
| Total risk-based capital ratio | 16.4331% | 2,924 |
| Memoranda: | ||
| Average total assets | $38,414,000 | 5,689 |
| Average earning assets | $35,998,670 | 5,664 |
| Average equity | $3,368,000 | 5,845 |
| Average total loans | $23,074,330 | 5,536 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0586% | 3,002 |
| Cost of funding earning assets | 0.3588% | 3,517 |
| Net interest margin | 3.6999% | 2,671 |
| Noninterest income to average assets | 0.5156% | 3,017 |
| Noninterest expense to average assets | 2.9145% | 2,657 |
| Loan and lease loss provision to assets | 0.0210% | 3,411 |
| Net operating income to assets | 1.0101% | 2,227 |
| Return on assets (ROA) | 1.0101% | 2,344 |
| Pretax return on assets | 1.0522% | 3,270 |
| Return on Equity (ROE) | 11.4678% | 1,464 |
| Retained earnings to average equity (ytd only) | 3.3448% | 3,823 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0871% | 2,625 |
| Assets per employee ($millions) | 3.8911% | 4,134 |
| Cash dividends to net income (ytd only)* | 70.8333% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 4,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 58.7058% | 3,965 |
| Net loans and leases to deposits | 64.3828% | 4,405 |
| Net loans and leases to core deposits | 66.0489% | 4,532 |
| Total domestic deposits to total assets | 91.1824% | 223 |
| Equity capital to assets | 8.6505% | 5,458 |
| Core capital (leverage) ratio | 8.8371% | 5,041 |
| Tier 1 risk-based capital ratio | 15.4987% | 2,916 |
| Total risk-based capital ratio | 16.5566% | 2,953 |
| Memoranda: | ||
| Average total assets | $38,016,500 | 5,758 |
| Average earning assets | $35,677,000 | 5,726 |
| Average equity | $3,348,500 | 5,899 |
| Average total loans | $22,925,500 | 5,590 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9809% | 3,376 |
| Cost of funding earning assets | 0.3914% | 3,250 |
| Net interest margin | 3.5895% | 3,178 |
| Noninterest income to average assets | 0.4871% | 3,418 |
| Noninterest expense to average assets | 2.7733% | 3,339 |
| Loan and lease loss provision to assets | 0.0445% | 3,438 |
| Net operating income to assets | 0.9952% | 2,388 |
| Return on assets (ROA) | 0.9952% | 2,482 |
| Pretax return on assets | 1.0318% | 3,339 |
| Return on Equity (ROE) | 11.6486% | 1,391 |
| Retained earnings to average equity (ytd only) | 4.1690% | 3,022 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0408% | 2,906 |
| Assets per employee ($millions) | 3.7122% | 4,453 |
| Cash dividends to net income (ytd only)* | 64.2105% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 4,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 60.7510% | 3,731 |
| Net loans and leases to deposits | 66.8822% | 4,231 |
| Net loans and leases to core deposits | 68.7016% | 4,399 |
| Total domestic deposits to total assets | 90.8329% | 325 |
| Equity capital to assets | 8.9731% | 5,151 |
| Core capital (leverage) ratio | 8.7451% | 5,171 |
| Tier 1 risk-based capital ratio | 15.5257% | 2,915 |
| Total risk-based capital ratio | 16.5850% | 2,964 |
| Memoranda: | ||
| Average total assets | $38,185,000 | 5,803 |
| Average earning assets | $35,770,600 | 5,767 |
| Average equity | $3,262,200 | 5,962 |
| Average total loans | $22,005,400 | 5,647 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9354% | 3,604 |
| Cost of funding earning assets | 0.3961% | 3,260 |
| Net interest margin | 3.5393% | 3,389 |
| Noninterest income to average assets | 0.4959% | 3,398 |
| Noninterest expense to average assets | 2.7186% | 3,498 |
| Loan and lease loss provision to assets | 0.0486% | 3,236 |
| Net operating income to assets | 0.9987% | 2,476 |
| Return on assets (ROA) | 0.9987% | 2,567 |
| Pretax return on assets | 1.0437% | 3,439 |
| Return on Equity (ROE) | 11.8333% | 1,420 |
| Retained earnings to average equity (ytd only) | 4.6428% | 3,173 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3376% | 2,990 |
| Assets per employee ($millions) | 3.8102% | 4,248 |
| Cash dividends to net income (ytd only)* | 60.7646% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 4,699 |
| Loan loss allowance to noncurrent loans | 22,400.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 5,814 |
| Noncurrent loans to loans | 0.0045% | 5,643 |
| Net loans and leases to total assets | 57.6663% | 4,180 |
| Net loans and leases to deposits | 63.3363% | 4,614 |
| Net loans and leases to core deposits | 65.0059% | 4,760 |
| Total domestic deposits to total assets | 91.0477% | 233 |
| Equity capital to assets | 8.6872% | 5,583 |
| Core capital (leverage) ratio | 8.6533% | 5,406 |
| Tier 1 risk-based capital ratio | 15.7649% | 2,915 |
| Total risk-based capital ratio | 16.8337% | 2,936 |
| Memoranda: | ||
| Average total assets | $38,450,750 | 5,875 |
| Average earning assets | $36,013,750 | 5,843 |
| Average equity | $3,245,000 | 6,041 |
| Average total loans | $21,812,000 | 5,724 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9023% | 3,677 |
| Cost of funding earning assets | 0.3930% | 3,343 |
| Net interest margin | 3.5093% | 3,462 |
| Noninterest income to average assets | 0.4926% | 3,430 |
| Noninterest expense to average assets | 2.7018% | 3,588 |
| Loan and lease loss provision to assets | 0.0519% | 3,081 |
| Net operating income to assets | 0.9853% | 2,472 |
| Return on assets (ROA) | 0.9853% | 2,579 |
| Pretax return on assets | 1.0268% | 3,471 |
| Return on Equity (ROE) | 11.7891% | 1,434 |
| Retained earnings to average equity (ytd only) | 4.4674% | 3,170 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4678% | 3,074 |
| Assets per employee ($millions) | 3.8357% | 4,194 |
| Cash dividends to net income (ytd only)* | 62.1053% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 4,918 |
| Loan loss allowance to noncurrent loans | 22,000.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 5,910 |
| Noncurrent loans to loans | 0.0045% | 5,758 |
| Net loans and leases to total assets | 57.3637% | 4,178 |
| Net loans and leases to deposits | 62.8442% | 4,632 |
| Net loans and leases to core deposits | 64.4814% | 4,777 |
| Total domestic deposits to total assets | 91.2793% | 236 |
| Equity capital to assets | 8.5043% | 5,682 |
| Core capital (leverage) ratio | 8.3962% | 5,640 |
| Tier 1 risk-based capital ratio | 15.5467% | 3,077 |
| Total risk-based capital ratio | 16.5952% | 3,118 |
| Memoranda: | ||
| Average total assets | $38,567,000 | 5,933 |
| Average earning assets | $36,133,000 | 5,901 |
| Average equity | $3,223,330 | 6,107 |
| Average total loans | $21,684,000 | 5,782 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8218% | 3,916 |
| Cost of funding earning assets | 0.3976% | 3,333 |
| Net interest margin | 3.4241% | 3,738 |
| Noninterest income to average assets | 0.4861% | 3,385 |
| Noninterest expense to average assets | 2.6893% | 3,627 |
| Loan and lease loss provision to assets | 0.0517% | 2,902 |
| Net operating income to assets | 0.9102% | 2,696 |
| Return on assets (ROA) | 0.9102% | 2,821 |
| Pretax return on assets | 0.9516% | 3,684 |
| Return on Equity (ROE) | 10.9863% | 1,642 |
| Retained earnings to average equity (ytd only) | 2.8714% | 4,242 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8291% | 3,021 |
| Assets per employee ($millions) | 3.9315% | 4,100 |
| Cash dividends to net income (ytd only)* | 73.8636% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 5,055 |
| Loan loss allowance to noncurrent loans | 21,500.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 5,964 |
| Noncurrent loans to loans | 0.0046% | 5,802 |
| Net loans and leases to total assets | 54.3686% | 4,399 |
| Net loans and leases to deposits | 59.3239% | 4,797 |
| Net loans and leases to core deposits | 60.2758% | 4,974 |
| Total domestic deposits to total assets | 91.6470% | 201 |
| Equity capital to assets | 8.1953% | 5,936 |
| Core capital (leverage) ratio | 8.3094% | 5,717 |
| Tier 1 risk-based capital ratio | 15.7998% | 3,017 |
| Total risk-based capital ratio | 16.8567% | 3,039 |
| Memoranda: | ||
| Average total assets | $38,672,000 | 5,990 |
| Average earning assets | $36,213,500 | 5,960 |
| Average equity | $3,204,000 | 6,173 |
| Average total loans | $21,414,500 | 5,840 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8907% | 4,151 |
| Cost of funding earning assets | 0.4390% | 3,289 |
| Net interest margin | 3.4518% | 3,970 |
| Noninterest income to average assets | 0.4816% | 3,643 |
| Noninterest expense to average assets | 2.7643% | 3,616 |
| Loan and lease loss provision to assets | 0.0266% | 4,074 |
| Net operating income to assets | 0.8727% | 3,005 |
| Return on assets (ROA) | 0.8727% | 3,091 |
| Pretax return on assets | 0.9126% | 3,862 |
| Return on Equity (ROE) | 10.4913% | 1,908 |
| Retained earnings to average equity (ytd only) | 3.6464% | 3,625 |
| Net charge-offs to loans | 0.0197% | 4,455 |
| Credit loss provision to net charge-offs | 250.0000% | 1,016 |
| Earnings coverage of net charge-offs (x) | 88.2500% | 583 |
| Efficiency ratio | 74.6408% | 2,726 |
| Assets per employee ($millions) | 3.8029% | 4,338 |
| Cash dividends to net income (ytd only)* | 65.2439% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 5,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 55.2973% | 4,411 |
| Net loans and leases to deposits | 60.4873% | 4,860 |
| Net loans and leases to core deposits | 61.4901% | 5,042 |
| Total domestic deposits to total assets | 91.4197% | 245 |
| Equity capital to assets | 8.3778% | 5,844 |
| Core capital (leverage) ratio | 8.3639% | 5,706 |
| Tier 1 risk-based capital ratio | 16.0796% | 2,925 |
| Total risk-based capital ratio | 17.1378% | 2,966 |
| Memoranda: | ||
| Average total assets | $37,585,800 | 6,090 |
| Average earning assets | $35,083,600 | 6,061 |
| Average equity | $3,126,400 | 6,243 |
| Average total loans | $20,305,800 | 5,949 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8825% | 4,232 |
| Cost of funding earning assets | 0.4424% | 3,342 |
| Net interest margin | 3.4401% | 4,066 |
| Noninterest income to average assets | 0.4910% | 3,607 |
| Noninterest expense to average assets | 2.7787% | 3,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8823% | 3,008 |
| Return on assets (ROA) | 0.8823% | 3,109 |
| Pretax return on assets | 0.9215% | 3,899 |
| Return on Equity (ROE) | 10.6270% | 1,936 |
| Retained earnings to average equity (ytd only) | 3.9852% | 3,815 |
| Net charge-offs to loans | 0.0266% | 3,970 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 64.7880% | 818 |
| Efficiency ratio | 75.0962% | 2,649 |
| Assets per employee ($millions) | 3.7974% | 4,297 |
| Cash dividends to net income (ytd only)* | 62.4992% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 5,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 54.3872% | 4,531 |
| Net loans and leases to deposits | 59.5033% | 4,986 |
| Net loans and leases to core deposits | 60.4879% | 5,160 |
| Total domestic deposits to total assets | 91.4020% | 257 |
| Equity capital to assets | 8.3347% | 5,915 |
| Core capital (leverage) ratio | 8.3320% | 5,821 |
| Tier 1 risk-based capital ratio | 16.3083% | 2,899 |
| Total risk-based capital ratio | 17.3372% | 2,967 |
| Memoranda: | ||
| Average total assets | $37,475,000 | 6,168 |
| Average earning assets | $34,959,750 | 6,138 |
| Average equity | $3,111,500 | 6,320 |
| Average total loans | $20,072,500 | 6,023 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8554% | 4,310 |
| Cost of funding earning assets | 0.4488% | 3,340 |
| Net interest margin | 3.4066% | 4,145 |
| Noninterest income to average assets | 0.5039% | 3,459 |
| Noninterest expense to average assets | 2.7929% | 3,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8416% | 3,124 |
| Return on assets (ROA) | 0.8416% | 3,215 |
| Pretax return on assets | 0.8845% | 3,945 |
| Return on Equity (ROE) | 10.1498% | 2,082 |
| Retained earnings to average equity (ytd only) | 3.7496% | 3,803 |
| Net charge-offs to loans | 0.0404% | 3,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 41.2500% | 1,032 |
| Efficiency ratio | 75.9475% | 2,648 |
| Assets per employee ($millions) | 3.7474% | 4,354 |
| Cash dividends to net income (ytd only)* | 63.0573% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 5,460 |
| Loan loss allowance to noncurrent loans | 689.6552% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 5,942 |
| Noncurrent loans to loans | 0.1413% | 5,580 |
| Net loans and leases to total assets | 54.2216% | 4,514 |
| Net loans and leases to deposits | 59.4123% | 4,916 |
| Net loans and leases to core deposits | 60.4067% | 5,111 |
| Total domestic deposits to total assets | 91.2633% | 320 |
| Equity capital to assets | 8.3738% | 5,898 |
| Core capital (leverage) ratio | 8.3593% | 5,787 |
| Tier 1 risk-based capital ratio | 16.1674% | 2,994 |
| Total risk-based capital ratio | 17.1985% | 3,054 |
| Memoranda: | ||
| Average total assets | $37,308,670 | 6,230 |
| Average earning assets | $34,756,330 | 6,202 |
| Average equity | $3,093,670 | 6,373 |
| Average total loans | $19,812,330 | 6,085 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7340% | 4,731 |
| Cost of funding earning assets | 0.4495% | 3,437 |
| Net interest margin | 3.2845% | 4,605 |
| Noninterest income to average assets | 0.5373% | 3,131 |
| Noninterest expense to average assets | 2.8045% | 3,543 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7629% | 3,341 |
| Return on assets (ROA) | 0.7629% | 3,428 |
| Pretax return on assets | 0.7951% | 4,132 |
| Return on Equity (ROE) | 9.2463% | 2,352 |
| Retained earnings to average equity (ytd only) | 1.8232% | 4,875 |
| Net charge-offs to loans | 0.0822% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,413 |
| Efficiency ratio | 77.9104% | 2,486 |
| Assets per employee ($millions) | 3.7648% | 4,386 |
| Cash dividends to net income (ytd only)* | 80.2817% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 5,547 |
| Loan loss allowance to noncurrent loans | 196.0000% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2656% | 5,380 |
| Noncurrent loans to loans | 0.5074% | 4,646 |
| Net loans and leases to total assets | 51.8275% | 4,694 |
| Net loans and leases to deposits | 56.6074% | 5,062 |
| Net loans and leases to core deposits | 57.9714% | 5,201 |
| Total domestic deposits to total assets | 91.5560% | 363 |
| Equity capital to assets | 8.1890% | 5,912 |
| Core capital (leverage) ratio | 8.3096% | 5,836 |
| Tier 1 risk-based capital ratio | 16.6631% | 2,828 |
| Total risk-based capital ratio | 17.7197% | 2,883 |
| Memoranda: | ||
| Average total assets | $37,226,000 | 6,297 |
| Average earning assets | $34,708,500 | 6,265 |
| Average equity | $3,071,500 | 6,433 |
| Average total loans | $19,459,000 | 6,156 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0195% | 4,021 |
| Cost of funding earning assets | 0.5302% | 3,281 |
| Net interest margin | 3.4893% | 3,950 |
| Noninterest income to average assets | 0.5352% | 3,514 |
| Noninterest expense to average assets | 2.8433% | 3,558 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9006% | 2,775 |
| Return on assets (ROA) | 0.9006% | 2,862 |
| Pretax return on assets | 0.9345% | 3,622 |
| Return on Equity (ROE) | 10.4098% | 1,951 |
| Retained earnings to average equity (ytd only) | -1.3094% | 6,105 |
| Net charge-offs to loans | -0.0365% | 6,265 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2624% | 2,907 |
| Assets per employee ($millions) | 3.6804% | 4,527 |
| Cash dividends to net income (ytd only)* | 112.5786% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 5,375 |
| Loan loss allowance to noncurrent loans | 202.0202% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 5,306 |
| Noncurrent loans to loans | 0.5154% | 4,704 |
| Net loans and leases to total assets | 51.6520% | 4,902 |
| Net loans and leases to deposits | 56.4195% | 5,262 |
| Net loans and leases to core deposits | 58.3183% | 5,366 |
| Total domestic deposits to total assets | 91.5498% | 390 |
| Equity capital to assets | 8.3143% | 5,769 |
| Core capital (leverage) ratio | 8.4117% | 5,765 |
| Tier 1 risk-based capital ratio | 16.9512% | 2,632 |
| Total risk-based capital ratio | 18.0526% | 2,661 |
| Memoranda: | ||
| Average total assets | $35,311,200 | 6,409 |
| Average earning assets | $32,814,800 | 6,381 |
| Average equity | $3,054,800 | 6,525 |
| Average total loans | $19,185,200 | 6,242 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0536% | 3,920 |
| Cost of funding earning assets | 0.5421% | 3,345 |
| Net interest margin | 3.5115% | 3,829 |
| Noninterest income to average assets | 0.5495% | 3,463 |
| Noninterest expense to average assets | 2.8545% | 3,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9197% | 2,737 |
| Return on assets (ROA) | 0.9197% | 2,842 |
| Pretax return on assets | 0.9579% | 3,657 |
| Return on Equity (ROE) | 10.5233% | 1,990 |
| Retained earnings to average equity (ytd only) | -3.2310% | 6,375 |
| Net charge-offs to loans | -0.0209% | 6,049 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8749% | 2,929 |
| Assets per employee ($millions) | 3.6553% | 4,548 |
| Cash dividends to net income (ytd only)* | 130.7036% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 5,539 |
| Loan loss allowance to noncurrent loans | 196.0000% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2736% | 5,623 |
| Noncurrent loans to loans | 0.5336% | 4,859 |
| Net loans and leases to total assets | 50.7345% | 5,041 |
| Net loans and leases to deposits | 55.4625% | 5,416 |
| Net loans and leases to core deposits | 57.3385% | 5,507 |
| Total domestic deposits to total assets | 91.4754% | 375 |
| Equity capital to assets | 8.3003% | 5,914 |
| Core capital (leverage) ratio | 8.3771% | 5,879 |
| Tier 1 risk-based capital ratio | 17.4973% | 2,512 |
| Total risk-based capital ratio | 18.6239% | 2,521 |
| Memoranda: | ||
| Average total assets | $34,938,000 | 6,486 |
| Average earning assets | $32,464,250 | 6,457 |
| Average equity | $3,053,500 | 6,596 |
| Average total loans | $19,179,000 | 6,310 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1339% | 3,613 |
| Cost of funding earning assets | 0.5520% | 3,388 |
| Net interest margin | 3.5818% | 3,445 |
| Noninterest income to average assets | 0.5698% | 3,385 |
| Noninterest expense to average assets | 2.8605% | 3,471 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9826% | 2,400 |
| Return on assets (ROA) | 0.9826% | 2,549 |
| Pretax return on assets | 1.0291% | 3,378 |
| Return on Equity (ROE) | 11.0458% | 1,798 |
| Retained earnings to average equity (ytd only) | -5.8170% | 6,503 |
| Net charge-offs to loans | -0.0207% | 5,979 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5426% | 3,218 |
| Assets per employee ($millions) | 3.6032% | 4,615 |
| Cash dividends to net income (ytd only)* | 152.6627% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 5,741 |
| Loan loss allowance to noncurrent loans | 195.0000% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 5,656 |
| Noncurrent loans to loans | 0.5225% | 4,960 |
| Net loans and leases to total assets | 52.5699% | 4,790 |
| Net loans and leases to deposits | 57.4836% | 5,205 |
| Net loans and leases to core deposits | 59.4520% | 5,310 |
| Total domestic deposits to total assets | 91.4520% | 397 |
| Equity capital to assets | 8.3620% | 5,906 |
| Core capital (leverage) ratio | 8.6670% | 5,466 |
| Tier 1 risk-based capital ratio | 17.1762% | 2,650 |
| Total risk-based capital ratio | 18.2824% | 2,672 |
| Memoranda: | ||
| Average total assets | $34,399,670 | 6,541 |
| Average earning assets | $31,883,000 | 6,519 |
| Average equity | $3,060,000 | 6,642 |
| Average total loans | $19,325,000 | 6,337 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2707% | 3,021 |
| Cost of funding earning assets | 0.5677% | 3,398 |
| Net interest margin | 3.7030% | 2,840 |
| Noninterest income to average assets | 0.6313% | 2,973 |
| Noninterest expense to average assets | 2.9657% | 3,094 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0362% | 2,086 |
| Return on assets (ROA) | 1.0362% | 2,195 |
| Pretax return on assets | 1.0839% | 3,019 |
| Return on Equity (ROE) | 11.2859% | 1,624 |
| Retained earnings to average equity (ytd only) | -14.0101% | 6,726 |
| Net charge-offs to loans | -0.0206% | 5,726 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2353% | 3,408 |
| Assets per employee ($millions) | 3.3350% | 5,360 |
| Cash dividends to net income (ytd only)* | 224.1379% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 5,948 |
| Loan loss allowance to noncurrent loans | 668.9655% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 6,330 |
| Noncurrent loans to loans | 0.1510% | 6,014 |
| Net loans and leases to total assets | 57.0015% | 3,924 |
| Net loans and leases to deposits | 62.7869% | 4,445 |
| Net loans and leases to core deposits | 64.5764% | 4,691 |
| Total domestic deposits to total assets | 90.7856% | 621 |
| Equity capital to assets | 9.0795% | 5,387 |
| Core capital (leverage) ratio | 9.0339% | 4,829 |
| Tier 1 risk-based capital ratio | 17.2199% | 2,668 |
| Total risk-based capital ratio | 18.3301% | 2,683 |
| Memoranda: | ||
| Average total assets | $33,583,500 | 6,627 |
| Average earning assets | $31,002,000 | 6,599 |
| Average equity | $3,083,500 | 6,702 |
| Average total loans | $19,419,000 | 6,389 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5683% | 3,131 |
| Cost of funding earning assets | 0.5963% | 4,395 |
| Net interest margin | 3.9720% | 2,511 |
| Noninterest income to average assets | 0.5403% | 3,644 |
| Noninterest expense to average assets | 2.9819% | 3,342 |
| Loan and lease loss provision to assets | 0.0091% | 5,806 |
| Net operating income to assets | 1.1741% | 1,679 |
| Return on assets (ROA) | 1.1741% | 1,851 |
| Pretax return on assets | 1.2284% | 2,688 |
| Return on Equity (ROE) | 12.4687% | 1,370 |
| Retained earnings to average equity (ytd only) | -0.4487% | 5,931 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6724% | 3,680 |
| Assets per employee ($millions) | 3.3817% | 5,258 |
| Cash dividends to net income (ytd only)* | 103.5990% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 6,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 57.4888% | 4,058 |
| Net loans and leases to deposits | 63.5057% | 4,598 |
| Net loans and leases to core deposits | 64.6396% | 4,884 |
| Total domestic deposits to total assets | 90.5255% | 696 |
| Equity capital to assets | 9.2823% | 5,176 |
| Core capital (leverage) ratio | 9.3535% | 4,329 |
| Tier 1 risk-based capital ratio | 17.4064% | 2,482 |
| Total risk-based capital ratio | 18.4838% | 2,522 |
| Memoranda: | ||
| Average total assets | $33,132,800 | 6,678 |
| Average earning assets | $30,690,000 | 6,648 |
| Average equity | $3,119,800 | 6,757 |
| Average total loans | $19,445,200 | 6,449 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5918% | 3,241 |
| Cost of funding earning assets | 0.6007% | 4,642 |
| Net interest margin | 3.9912% | 2,539 |
| Noninterest income to average assets | 0.5420% | 3,656 |
| Noninterest expense to average assets | 3.0014% | 3,227 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1973% | 1,753 |
| Return on assets (ROA) | 1.1973% | 1,925 |
| Pretax return on assets | 1.2499% | 2,791 |
| Return on Equity (ROE) | 12.6697% | 1,418 |
| Retained earnings to average equity (ytd only) | -1.1130% | 6,290 |
| Net charge-offs to loans | -0.0619% | 6,762 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5994% | 3,575 |
| Assets per employee ($millions) | 3.2362% | 5,570 |
| Cash dividends to net income (ytd only)* | 108.7822% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 6,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 60.6576% | 3,642 |
| Net loans and leases to deposits | 67.3344% | 4,281 |
| Net loans and leases to core deposits | 68.5956% | 4,658 |
| Total domestic deposits to total assets | 90.0840% | 804 |
| Equity capital to assets | 9.6626% | 4,973 |
| Core capital (leverage) ratio | 9.3923% | 4,443 |
| Tier 1 risk-based capital ratio | 17.1984% | 2,654 |
| Total risk-based capital ratio | 18.3007% | 2,664 |
| Memoranda: | ||
| Average total assets | $32,961,750 | 6,764 |
| Average earning assets | $30,633,250 | 6,732 |
| Average equity | $3,115,000 | 6,842 |
| Average total loans | $19,398,000 | 6,536 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5149% | 3,705 |
| Cost of funding earning assets | 0.6042% | 4,867 |
| Net interest margin | 3.9107% | 2,863 |
| Noninterest income to average assets | 0.5307% | 3,723 |
| Noninterest expense to average assets | 2.9733% | 3,357 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1399% | 1,913 |
| Return on assets (ROA) | 1.1399% | 2,131 |
| Pretax return on assets | 1.1881% | 2,977 |
| Return on Equity (ROE) | 12.1504% | 1,621 |
| Retained earnings to average equity (ytd only) | -3.9216% | 6,542 |
| Net charge-offs to loans | -0.0935% | 6,845 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4493% | 3,526 |
| Assets per employee ($millions) | 3.3678% | 5,280 |
| Cash dividends to net income (ytd only)* | 132.2751% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 6,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 57.6964% | 4,220 |
| Net loans and leases to deposits | 63.6644% | 4,812 |
| Net loans and leases to core deposits | 64.7981% | 5,122 |
| Total domestic deposits to total assets | 90.6259% | 602 |
| Equity capital to assets | 9.1989% | 5,463 |
| Core capital (leverage) ratio | 9.3021% | 4,452 |
| Tier 1 risk-based capital ratio | 16.5722% | 2,874 |
| Total risk-based capital ratio | 17.6461% | 2,929 |
| Memoranda: | ||
| Average total assets | $33,161,670 | 6,804 |
| Average earning assets | $30,787,000 | 6,775 |
| Average equity | $3,111,000 | 6,881 |
| Average total loans | $19,254,330 | 6,591 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 3,721 |
| Cost of funding earning assets | 0.6162% | 5,000 |
| Net interest margin | 3.9333% | 2,795 |
| Noninterest income to average assets | 0.5714% | 3,413 |
| Noninterest expense to average assets | 3.0635% | 3,041 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1063% | 2,058 |
| Return on assets (ROA) | 1.1063% | 2,244 |
| Pretax return on assets | 1.1549% | 3,093 |
| Return on Equity (ROE) | 11.6760% | 1,778 |
| Retained earnings to average equity (ytd only) | -12.0609% | 6,902 |
| Net charge-offs to loans | -0.1888% | 6,980 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6225% | 3,325 |
| Assets per employee ($millions) | 3.2687% | 5,624 |
| Cash dividends to net income (ytd only)* | 203.2967% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 6,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 57.5733% | 4,119 |
| Net loans and leases to deposits | 63.6487% | 4,683 |
| Net loans and leases to core deposits | 64.8171% | 5,034 |
| Total domestic deposits to total assets | 90.4549% | 827 |
| Equity capital to assets | 9.3860% | 4,983 |
| Core capital (leverage) ratio | 9.3406% | 4,297 |
| Tier 1 risk-based capital ratio | 16.8844% | 2,725 |
| Total risk-based capital ratio | 17.9908% | 2,748 |
| Memoranda: | ||
| Average total assets | $32,903,500 | 6,869 |
| Average earning assets | $30,508,500 | 6,829 |
| Average equity | $3,117,500 | 6,932 |
| Average total loans | $19,066,500 | 6,653 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8283% | 3,677 |
| Cost of funding earning assets | 0.7805% | 4,999 |
| Net interest margin | 4.0478% | 2,643 |
| Noninterest income to average assets | 0.5233% | 3,695 |
| Noninterest expense to average assets | 3.0835% | 3,257 |
| Loan and lease loss provision to assets | 0.0623% | 5,829 |
| Net operating income to assets | 1.0621% | 1,951 |
| Return on assets (ROA) | 1.0621% | 2,095 |
| Pretax return on assets | 1.1088% | 2,806 |
| Return on Equity (ROE) | 10.9597% | 1,707 |
| Retained earnings to average equity (ytd only) | 3.7282% | 3,558 |
| Net charge-offs to loans | 0.0636% | 5,661 |
| Credit loss provision to net charge-offs | 166.6667% | 1,619 |
| Earnings coverage of net charge-offs (x) | 31.3333% | 819 |
| Efficiency ratio | 72.4744% | 3,482 |
| Assets per employee ($millions) | 3.3120% | 5,480 |
| Cash dividends to net income (ytd only)* | 65.9824% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 6,252 |
| Loan loss allowance to noncurrent loans | 3,800.0000% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 6,940 |
| Noncurrent loans to loans | 0.0262% | 6,759 |
| Net loans and leases to total assets | 57.1407% | 4,525 |
| Net loans and leases to deposits | 63.3091% | 5,090 |
| Net loans and leases to core deposits | 64.4541% | 5,422 |
| Total domestic deposits to total assets | 90.2566% | 849 |
| Equity capital to assets | 9.5622% | 4,788 |
| Core capital (leverage) ratio | 9.5054% | 4,018 |
| Tier 1 risk-based capital ratio | 17.0655% | 2,569 |
| Total risk-based capital ratio | 18.1011% | 2,634 |
| Memoranda: | ||
| Average total assets | $32,106,200 | 6,917 |
| Average earning assets | $29,596,600 | 6,878 |
| Average equity | $3,111,400 | 6,986 |
| Average total loans | $18,882,600 | 6,714 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8942% | 3,586 |
| Cost of funding earning assets | 0.8195% | 5,013 |
| Net interest margin | 4.0747% | 2,577 |
| Noninterest income to average assets | 0.5358% | 3,615 |
| Noninterest expense to average assets | 3.0892% | 3,204 |
| Loan and lease loss provision to assets | 0.0837% | 5,396 |
| Net operating income to assets | 1.0632% | 2,095 |
| Return on assets (ROA) | 1.0632% | 2,237 |
| Pretax return on assets | 1.1093% | 2,968 |
| Return on Equity (ROE) | 10.9333% | 1,888 |
| Retained earnings to average equity (ytd only) | 4.5198% | 3,500 |
| Net charge-offs to loans | 0.0850% | 5,122 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 23.7494% | 1,103 |
| Efficiency ratio | 72.1408% | 3,527 |
| Assets per employee ($millions) | 3.2142% | 5,642 |
| Cash dividends to net income (ytd only)* | 58.6606% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 6,231 |
| Loan loss allowance to noncurrent loans | 575.7576% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 6,803 |
| Noncurrent loans to loans | 0.1748% | 6,522 |
| Net loans and leases to total assets | 58.1482% | 4,485 |
| Net loans and leases to deposits | 64.6802% | 5,090 |
| Net loans and leases to core deposits | 65.3131% | 5,490 |
| Total domestic deposits to total assets | 89.9011% | 923 |
| Equity capital to assets | 9.8314% | 4,580 |
| Core capital (leverage) ratio | 9.7118% | 3,827 |
| Tier 1 risk-based capital ratio | 16.9713% | 2,653 |
| Total risk-based capital ratio | 18.0048% | 2,713 |
| Memoranda: | ||
| Average total assets | $31,852,750 | 6,989 |
| Average earning assets | $29,285,500 | 6,956 |
| Average equity | $3,097,500 | 7,050 |
| Average total loans | $18,824,500 | 6,781 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8978% | 3,632 |
| Cost of funding earning assets | 0.8449% | 5,102 |
| Net interest margin | 4.0529% | 2,600 |
| Noninterest income to average assets | 0.5542% | 3,443 |
| Noninterest expense to average assets | 3.1553% | 3,065 |
| Loan and lease loss provision to assets | 0.1008% | 5,058 |
| Net operating income to assets | 0.9699% | 2,356 |
| Return on assets (ROA) | 0.9699% | 2,456 |
| Pretax return on assets | 1.0140% | 3,190 |
| Return on Equity (ROE) | 10.0108% | 2,109 |
| Retained earnings to average equity (ytd only) | 3.6403% | 3,914 |
| Net charge-offs to loans | 0.1276% | 4,457 |
| Credit loss provision to net charge-offs | 133.3333% | 2,288 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 1,461 |
| Efficiency ratio | 73.8938% | 3,379 |
| Assets per employee ($millions) | 3.2432% | 5,540 |
| Cash dividends to net income (ytd only)* | 63.6364% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9766% | 6,431 |
| Loan loss allowance to noncurrent loans | 124.0000% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.4625% | 5,994 |
| Noncurrent loans to loans | 0.7876% | 5,336 |
| Net loans and leases to total assets | 58.1494% | 4,595 |
| Net loans and leases to deposits | 64.4642% | 5,215 |
| Net loans and leases to core deposits | 65.0849% | 5,604 |
| Total domestic deposits to total assets | 90.2041% | 862 |
| Equity capital to assets | 9.5985% | 4,659 |
| Core capital (leverage) ratio | 9.4834% | 3,981 |
| Tier 1 risk-based capital ratio | 16.3499% | 2,808 |
| Total risk-based capital ratio | 17.3401% | 2,904 |
| Memoranda: | ||
| Average total assets | $31,756,330 | 7,052 |
| Average earning assets | $29,115,000 | 7,027 |
| Average equity | $3,076,670 | 7,110 |
| Average total loans | $18,806,000 | 6,844 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9249% | 3,453 |
| Cost of funding earning assets | 0.8650% | 5,170 |
| Net interest margin | 4.0599% | 2,433 |
| Noninterest income to average assets | 0.3437% | 5,167 |
| Noninterest expense to average assets | 3.2338% | 2,758 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7766% | 3,133 |
| Return on assets (ROA) | 0.7766% | 3,206 |
| Pretax return on assets | 0.8148% | 3,849 |
| Return on Equity (ROE) | 7.9778% | 2,925 |
| Retained earnings to average equity (ytd only) | 2.0925% | 4,883 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8742% | 2,558 |
| Assets per employee ($millions) | 3.1967% | 5,720 |
| Cash dividends to net income (ytd only)* | 73.7705% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 6,476 |
| Loan loss allowance to noncurrent loans | 319.2982% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.8352% | 5,237 |
| Noncurrent loans to loans | 0.3060% | 6,375 |
| Net loans and leases to total assets | 57.7095% | 4,688 |
| Net loans and leases to deposits | 63.9468% | 5,260 |
| Net loans and leases to core deposits | 64.5690% | 5,671 |
| Total domestic deposits to total assets | 90.2462% | 988 |
| Equity capital to assets | 9.5974% | 4,314 |
| Core capital (leverage) ratio | 9.7004% | 3,525 |
| Tier 1 risk-based capital ratio | 16.4818% | 2,668 |
| Total risk-based capital ratio | 17.4715% | 2,763 |
| Memoranda: | ||
| Average total assets | $31,418,500 | 7,111 |
| Average earning assets | $28,670,500 | 7,088 |
| Average equity | $3,058,500 | 7,154 |
| Average total loans | $18,686,500 | 6,900 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3996% | 2,674 |
| Cost of funding earning assets | 1.0892% | 5,194 |
| Net interest margin | 4.3104% | 1,786 |
| Noninterest income to average assets | 0.5497% | 3,828 |
| Noninterest expense to average assets | 3.3273% | 2,650 |
| Loan and lease loss provision to assets | 0.0162% | 6,947 |
| Net operating income to assets | 1.0768% | 1,769 |
| Return on assets (ROA) | 1.0994% | 1,787 |
| Pretax return on assets | 1.1447% | 2,419 |
| Return on Equity (ROE) | 10.9607% | 1,603 |
| Retained earnings to average equity (ytd only) | -0.0322% | 5,594 |
| Net charge-offs to loans | -0.0052% | 7,268 |
| Credit loss provision to net charge-offs | -500.0000% | 7,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5112% | 3,293 |
| Assets per employee ($millions) | 3.0870% | 5,905 |
| Cash dividends to net income (ytd only)* | 100.2941% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 6,486 |
| Loan loss allowance to noncurrent loans | 627.5862% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.9718% | 5,063 |
| Noncurrent loans to loans | 0.1547% | 6,757 |
| Net loans and leases to total assets | 60.1263% | 4,656 |
| Net loans and leases to deposits | 66.8817% | 5,279 |
| Net loans and leases to core deposits | 67.5584% | 5,705 |
| Total domestic deposits to total assets | 89.8996% | 1,160 |
| Equity capital to assets | 9.8769% | 3,902 |
| Core capital (leverage) ratio | 9.8148% | 3,298 |
| Tier 1 risk-based capital ratio | 15.3779% | 3,054 |
| Total risk-based capital ratio | 16.3062% | 3,160 |
| Memoranda: | ||
| Average total assets | $30,926,000 | 7,174 |
| Average earning assets | $28,094,800 | 7,159 |
| Average equity | $3,102,000 | 7,250 |
| Average total loans | $19,153,000 | 6,969 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4901% | 2,467 |
| Cost of funding earning assets | 1.1378% | 5,212 |
| Net interest margin | 4.3522% | 1,672 |
| Noninterest income to average assets | 0.5473% | 3,811 |
| Noninterest expense to average assets | 3.2794% | 2,638 |
| Loan and lease loss provision to assets | 0.0216% | 6,844 |
| Net operating income to assets | 1.1506% | 1,731 |
| Return on assets (ROA) | 1.1506% | 1,834 |
| Pretax return on assets | 1.2023% | 2,477 |
| Return on Equity (ROE) | 11.4273% | 1,671 |
| Retained earnings to average equity (ytd only) | 3.8090% | 3,781 |
| Net charge-offs to loans | -0.0069% | 7,234 |
| Credit loss provision to net charge-offs | -500.0000% | 7,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8230% | 3,552 |
| Assets per employee ($millions) | 3.0344% | 6,072 |
| Cash dividends to net income (ytd only)* | 66.6676% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 6,524 |
| Loan loss allowance to noncurrent loans | 214.1176% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.8931% | 5,316 |
| Noncurrent loans to loans | 0.4524% | 6,282 |
| Net loans and leases to total assets | 61.3202% | 4,662 |
| Net loans and leases to deposits | 68.6681% | 5,327 |
| Net loans and leases to core deposits | 69.3773% | 5,814 |
| Total domestic deposits to total assets | 89.2994% | 1,230 |
| Equity capital to assets | 10.3876% | 3,659 |
| Core capital (leverage) ratio | 10.1341% | 3,115 |
| Tier 1 risk-based capital ratio | 16.1872% | 2,678 |
| Total risk-based capital ratio | 17.1357% | 2,762 |
| Memoranda: | ||
| Average total assets | $30,940,000 | 7,257 |
| Average earning assets | $28,122,750 | 7,243 |
| Average equity | $3,115,250 | 7,330 |
| Average total loans | $19,255,500 | 7,058 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4497% | 2,752 |
| Cost of funding earning assets | 1.1774% | 5,251 |
| Net interest margin | 4.2724% | 1,883 |
| Noninterest income to average assets | 0.5267% | 3,906 |
| Noninterest expense to average assets | 3.1922% | 2,926 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1754% | 1,625 |
| Return on assets (ROA) | 1.1754% | 1,692 |
| Pretax return on assets | 1.2268% | 2,330 |
| Return on Equity (ROE) | 11.7950% | 1,502 |
| Retained earnings to average equity (ytd only) | 5.1563% | 2,811 |
| Net charge-offs to loans | -0.0103% | 7,194 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2384% | 3,775 |
| Assets per employee ($millions) | 3.0823% | 5,974 |
| Cash dividends to net income (ytd only)* | 56.2842% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 6,703 |
| Loan loss allowance to noncurrent loans | 158.0357% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.9603% | 5,214 |
| Noncurrent loans to loans | 0.5791% | 6,092 |
| Net loans and leases to total assets | 62.1679% | 4,649 |
| Net loans and leases to deposits | 69.3999% | 5,366 |
| Net loans and leases to core deposits | 69.3999% | 5,931 |
| Total domestic deposits to total assets | 89.5792% | 1,136 |
| Equity capital to assets | 10.1710% | 3,809 |
| Core capital (leverage) ratio | 9.9971% | 3,165 |
| Tier 1 risk-based capital ratio | 15.8601% | 2,733 |
| Total risk-based capital ratio | 16.7665% | 2,855 |
| Memoranda: | ||
| Average total assets | $31,138,670 | 7,306 |
| Average earning assets | $28,368,330 | 7,280 |
| Average equity | $3,103,000 | 7,383 |
| Average total loans | $19,411,000 | 7,100 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4127% | 2,981 |
| Cost of funding earning assets | 1.2340% | 5,211 |
| Net interest margin | 4.1787% | 2,126 |
| Noninterest income to average assets | 0.4985% | 4,057 |
| Noninterest expense to average assets | 3.2080% | 2,824 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0480% | 2,011 |
| Return on assets (ROA) | 1.0480% | 2,072 |
| Pretax return on assets | 1.0992% | 2,736 |
| Return on Equity (ROE) | 10.6252% | 1,897 |
| Retained earnings to average equity (ytd only) | 5.7013% | 2,763 |
| Net charge-offs to loans | -0.0206% | 7,084 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4807% | 3,493 |
| Assets per employee ($millions) | 3.1193% | 5,953 |
| Cash dividends to net income (ytd only)* | 46.3415% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 6,824 |
| Loan loss allowance to noncurrent loans | 190.3226% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.8239% | 5,505 |
| Noncurrent loans to loans | 0.4764% | 6,346 |
| Net loans and leases to total assets | 62.0139% | 4,750 |
| Net loans and leases to deposits | 69.0216% | 5,468 |
| Net loans and leases to core deposits | 69.0216% | 6,001 |
| Total domestic deposits to total assets | 89.8471% | 1,069 |
| Equity capital to assets | 9.9574% | 3,922 |
| Core capital (leverage) ratio | 9.7796% | 3,420 |
| Tier 1 risk-based capital ratio | 15.6333% | 2,814 |
| Total risk-based capital ratio | 16.5373% | 2,926 |
| Memoranda: | ||
| Average total assets | $31,296,500 | 7,393 |
| Average earning assets | $28,525,500 | 7,372 |
| Average equity | $3,087,000 | 7,474 |
| Average total loans | $19,447,000 | 7,184 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0937% | 1,533 |
| Cost of funding earning assets | 1.6890% | 4,574 |
| Net interest margin | 4.4047% | 1,419 |
| Noninterest income to average assets | 0.5284% | 4,192 |
| Noninterest expense to average assets | 3.2062% | 3,358 |
| Loan and lease loss provision to assets | 0.0391% | 7,155 |
| Net operating income to assets | 1.1448% | 1,399 |
| Return on assets (ROA) | 1.1448% | 1,424 |
| Pretax return on assets | 1.1872% | 1,989 |
| Return on Equity (ROE) | 11.5491% | 1,277 |
| Retained earnings to average equity (ytd only) | 1.7439% | 3,866 |
| Net charge-offs to loans | 0.2064% | 5,339 |
| Credit loss provision to net charge-offs | 29.2683% | 6,902 |
| Earnings coverage of net charge-offs (x) | 9.1707% | 1,836 |
| Efficiency ratio | 72.3326% | 4,211 |
| Assets per employee ($millions) | 3.1400% | 5,892 |
| Cash dividends to net income (ytd only)* | 84.9003% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9085% | 6,778 |
| Loan loss allowance to noncurrent loans | 69.8413% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 0.8025% | 5,500 |
| Noncurrent loans to loans | 1.3008% | 4,755 |
| Net loans and leases to total assets | 61.1369% | 5,169 |
| Net loans and leases to deposits | 67.9564% | 5,835 |
| Net loans and leases to core deposits | 87.4818% | 5,385 |
| Total domestic deposits to total assets | 89.9650% | 979 |
| Equity capital to assets | 9.7707% | 4,042 |
| Core capital (leverage) ratio | 9.5994% | 3,598 |
| Tier 1 risk-based capital ratio | 15.7176% | 2,635 |
| Total risk-based capital ratio | 16.6345% | 2,723 |
| Memoranda: | ||
| Average total assets | $30,659,800 | 7,453 |
| Average earning assets | $27,175,600 | 7,455 |
| Average equity | $3,039,200 | 7,576 |
| Average total loans | $19,868,000 | 7,198 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2404% | 1,268 |
| Cost of funding earning assets | 1.7624% | 4,576 |
| Net interest margin | 4.4780% | 1,248 |
| Noninterest income to average assets | 0.5250% | 4,282 |
| Noninterest expense to average assets | 3.1895% | 3,336 |
| Loan and lease loss provision to assets | 0.0525% | 6,853 |
| Net operating income to assets | 1.1900% | 1,490 |
| Return on assets (ROA) | 1.1900% | 1,546 |
| Pretax return on assets | 1.2294% | 2,168 |
| Return on Equity (ROE) | 11.9611% | 1,362 |
| Retained earnings to average equity (ytd only) | 1.7150% | 4,353 |
| Net charge-offs to loans | 0.1267% | 5,428 |
| Credit loss provision to net charge-offs | 63.1579% | 6,120 |
| Earnings coverage of net charge-offs (x) | 15.4228% | 1,535 |
| Efficiency ratio | 71.3307% | 4,359 |
| Assets per employee ($millions) | 3.0956% | 5,919 |
| Cash dividends to net income (ytd only)* | 85.6615% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 6,379 |
| Loan loss allowance to noncurrent loans | 125.3165% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.5104% | 6,188 |
| Noncurrent loans to loans | 0.7866% | 5,728 |
| Net loans and leases to total assets | 64.2493% | 4,814 |
| Net loans and leases to deposits | 71.6153% | 5,715 |
| Net loans and leases to core deposits | 93.1744% | 5,111 |
| Total domestic deposits to total assets | 89.7144% | 884 |
| Equity capital to assets | 9.8592% | 4,262 |
| Core capital (leverage) ratio | 9.6784% | 3,678 |
| Tier 1 risk-based capital ratio | 15.4134% | 2,860 |
| Total risk-based capital ratio | 16.4297% | 2,903 |
| Memoranda: | ||
| Average total assets | $30,474,750 | 7,521 |
| Average earning assets | $26,856,750 | 7,534 |
| Average equity | $3,032,000 | 7,651 |
| Average total loans | $19,991,750 | 7,255 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2821% | 1,253 |
| Cost of funding earning assets | 1.7949% | 4,785 |
| Net interest margin | 4.4872% | 1,194 |
| Noninterest income to average assets | 0.5344% | 4,151 |
| Noninterest expense to average assets | 3.1404% | 3,537 |
| Loan and lease loss provision to assets | 0.0792% | 6,397 |
| Net operating income to assets | 1.2337% | 1,396 |
| Return on assets (ROA) | 1.2337% | 1,473 |
| Pretax return on assets | 1.2733% | 2,100 |
| Return on Equity (ROE) | 12.3623% | 1,319 |
| Retained earnings to average equity (ytd only) | 1.5866% | 4,446 |
| Net charge-offs to loans | 0.1503% | 4,688 |
| Credit loss provision to net charge-offs | 80.0000% | 5,199 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 1,719 |
| Efficiency ratio | 69.8972% | 4,802 |
| Assets per employee ($millions) | 3.0844% | 5,906 |
| Cash dividends to net income (ytd only)* | 87.1658% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 6,117 |
| Loan loss allowance to noncurrent loans | 122.4242% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.5350% | 6,094 |
| Noncurrent loans to loans | 0.8289% | 5,569 |
| Net loans and leases to total assets | 63.8795% | 5,008 |
| Net loans and leases to deposits | 71.1120% | 5,857 |
| Net loans and leases to core deposits | 92.5893% | 5,281 |
| Total domestic deposits to total assets | 89.8295% | 900 |
| Equity capital to assets | 9.8366% | 4,167 |
| Core capital (leverage) ratio | 9.6956% | 3,636 |
| Tier 1 risk-based capital ratio | 15.4411% | 2,840 |
| Total risk-based capital ratio | 16.4849% | 2,853 |
| Memoranda: | ||
| Average total assets | $30,314,330 | 7,592 |
| Average earning assets | $26,742,670 | 7,608 |
| Average equity | $3,025,330 | 7,719 |
| Average total loans | $19,960,000 | 7,326 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4095% | 1,044 |
| Cost of funding earning assets | 1.8205% | 5,022 |
| Net interest margin | 4.5890% | 958 |
| Noninterest income to average assets | 0.5325% | 4,041 |
| Noninterest expense to average assets | 3.0882% | 3,418 |
| Loan and lease loss provision to assets | 0.1597% | 4,893 |
| Net operating income to assets | 1.3045% | 1,371 |
| Return on assets (ROA) | 1.3045% | 1,469 |
| Pretax return on assets | 1.3444% | 2,137 |
| Return on Equity (ROE) | 12.9758% | 1,396 |
| Retained earnings to average equity (ytd only) | 1.8537% | 4,828 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2464% | 5,092 |
| Assets per employee ($millions) | 3.0565% | 6,004 |
| Cash dividends to net income (ytd only)* | 85.7143% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 5,356 |
| Loan loss allowance to noncurrent loans | 74.5704% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 0.9815% | 4,740 |
| Noncurrent loans to loans | 1.4964% | 4,047 |
| Net loans and leases to total assets | 62.9151% | 5,175 |
| Net loans and leases to deposits | 70.0240% | 5,976 |
| Net loans and leases to core deposits | 91.5235% | 5,400 |
| Total domestic deposits to total assets | 89.8479% | 868 |
| Equity capital to assets | 9.9035% | 4,112 |
| Core capital (leverage) ratio | 9.9240% | 3,492 |
| Tier 1 risk-based capital ratio | 15.4689% | 2,867 |
| Total risk-based capital ratio | 16.5957% | 2,855 |
| Memoranda: | ||
| Average total assets | $30,049,500 | 7,647 |
| Average earning assets | $26,585,500 | 7,658 |
| Average equity | $3,021,000 | 7,777 |
| Average total loans | $19,987,500 | 7,361 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7890% | 1,713 |
| Cost of funding earning assets | 2.4708% | 4,364 |
| Net interest margin | 4.3182% | 1,922 |
| Noninterest income to average assets | 0.6034% | 3,821 |
| Noninterest expense to average assets | 3.1891% | 3,373 |
| Loan and lease loss provision to assets | 0.0641% | 6,598 |
| Net operating income to assets | 1.1866% | 1,820 |
| Return on assets (ROA) | 1.1866% | 1,743 |
| Pretax return on assets | 1.2271% | 2,559 |
| Return on Equity (ROE) | 12.0030% | 1,595 |
| Retained earnings to average equity (ytd only) | 2.9326% | 3,351 |
| Net charge-offs to loans | 0.0496% | 6,081 |
| Credit loss provision to net charge-offs | 190.0000% | 2,600 |
| Earnings coverage of net charge-offs (x) | 38.3000% | 971 |
| Efficiency ratio | 71.1813% | 4,087 |
| Assets per employee ($millions) | 2.9534% | 6,170 |
| Cash dividends to net income (ytd only)* | 75.5682% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 6,072 |
| Loan loss allowance to noncurrent loans | 149.6350% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 5,716 |
| Noncurrent loans to loans | 0.6674% | 5,366 |
| Net loans and leases to total assets | 68.8122% | 4,298 |
| Net loans and leases to deposits | 76.9373% | 5,483 |
| Net loans and leases to core deposits | 98.2737% | 5,012 |
| Total domestic deposits to total assets | 89.4393% | 870 |
| Equity capital to assets | 10.2086% | 3,797 |
| Core capital (leverage) ratio | 9.9351% | 3,511 |
| Tier 1 risk-based capital ratio | 14.7486% | 3,174 |
| Total risk-based capital ratio | 15.7672% | 3,206 |
| Memoranda: | ||
| Average total assets | $29,663,600 | 7,662 |
| Average earning assets | $26,631,400 | 7,671 |
| Average equity | $2,932,600 | 7,856 |
| Average total loans | $20,164,200 | 7,324 |