Home > The Donley County State Bank > Performance and Condition Ratios
The Donley County 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 | 4.6491% | 3,688 |
| Cost of funding earning assets | 1.7540% | 2,577 |
| Net interest margin | 2.8951% | 3,565 |
| Noninterest income to average assets | 0.8800% | 703 |
| Noninterest expense to average assets | 2.1878% | 3,135 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 1.1387% | 1,901 |
| Return on assets (ROA) | 1.1387% | 1,895 |
| Pretax return on assets | 1.1387% | 2,400 |
| Return on Equity (ROE) | 6.2500% | 3,294 |
| Retained earnings to average equity (ytd only) | 6.2524% | 2,207 |
| 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 | 64.8193% | 2,375 |
| Assets per employee ($millions) | 5.3586% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8695% | 164 |
| Loan loss allowance to noncurrent loans | 720.5882% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 3,186 |
| Noncurrent loans to loans | 0.3982% | 2,125 |
| Net loans and leases to total assets | 17.2000% | 4,310 |
| Net loans and leases to deposits | 21.3325% | 4,316 |
| Net loans and leases to core deposits | 26.9245% | 4,286 |
| Total domestic deposits to total assets | 80.6100% | 3,535 |
| Equity capital to assets | 18.7177% | 322 |
| Core capital (leverage) ratio | 18.1458% | 323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.6250% | 93 |
| Memoranda: | ||
| Average total assets | $49,181,000 | 4,226 |
| Average earning assets | $42,416,500 | 4,217 |
| Average equity | $8,956,500 | 3,889 |
| Average total loans | $8,373,500 | 4,315 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2833% | 4,090 |
| Cost of funding earning assets | 1.6308% | 3,105 |
| Net interest margin | 2.6525% | 3,703 |
| Noninterest income to average assets | 0.9600% | 660 |
| Noninterest expense to average assets | 2.1244% | 3,323 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.0830% | 1,808 |
| Return on assets (ROA) | 1.0830% | 1,807 |
| Pretax return on assets | 1.0830% | 2,295 |
| Return on Equity (ROE) | 5.9800% | 3,300 |
| Retained earnings to average equity (ytd only) | 4.6774% | 2,364 |
| Net charge-offs to loans | 0.0126% | 2,450 |
| Credit loss provision to net charge-offs | 1,200.0000% | 349 |
| Earnings coverage of net charge-offs (x) | 532.0000% | 245 |
| Efficiency ratio | 65.7216% | 2,517 |
| Assets per employee ($millions) | 5.5706% | 3,238 |
| Cash dividends to net income (ytd only)* | 21.7308% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9114% | 159 |
| Loan loss allowance to noncurrent loans | 702.9412% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 3,194 |
| Noncurrent loans to loans | 0.4142% | 2,039 |
| Net loans and leases to total assets | 15.9000% | 4,336 |
| Net loans and leases to deposits | 19.4689% | 4,341 |
| Net loans and leases to core deposits | 24.3366% | 4,317 |
| Total domestic deposits to total assets | 81.6500% | 3,303 |
| Equity capital to assets | 17.7241% | 353 |
| Core capital (leverage) ratio | 17.8728% | 333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.0590% | 102 |
| Memoranda: | ||
| Average total assets | $48,012,800 | 4,244 |
| Average earning assets | $41,206,200 | 4,243 |
| Average equity | $8,701,400 | 3,901 |
| Average total loans | $7,963,800 | 4,343 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2101% | 4,153 |
| Cost of funding earning assets | 1.6094% | 3,152 |
| Net interest margin | 2.6006% | 3,765 |
| Noninterest income to average assets | 0.9900% | 606 |
| Noninterest expense to average assets | 2.1762% | 3,146 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.0418% | 1,929 |
| Return on assets (ROA) | 1.0418% | 1,936 |
| Pretax return on assets | 1.0418% | 2,406 |
| Return on Equity (ROE) | 5.7200% | 3,376 |
| Retained earnings to average equity (ytd only) | 5.7151% | 2,194 |
| Net charge-offs to loans | 0.0169% | 2,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 371.0000% | 323 |
| Efficiency ratio | 67.6265% | 2,306 |
| Assets per employee ($millions) | 6.0686% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8715% | 166 |
| Loan loss allowance to noncurrent loans | 668.5714% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 3,211 |
| Noncurrent loans to loans | 0.4295% | 2,003 |
| Net loans and leases to total assets | 16.3000% | 4,366 |
| Net loans and leases to deposits | 20.1006% | 4,377 |
| Net loans and leases to core deposits | 24.2264% | 4,350 |
| Total domestic deposits to total assets | 81.1100% | 3,285 |
| Equity capital to assets | 18.2290% | 333 |
| Core capital (leverage) ratio | 18.7639% | 302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.0045% | 97 |
| Memoranda: | ||
| Average total assets | $47,482,250 | 4,272 |
| Average earning assets | $40,758,250 | 4,279 |
| Average equity | $8,655,250 | 3,921 |
| Average total loans | $7,902,500 | 4,375 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1564% | 4,170 |
| Cost of funding earning assets | 1.5994% | 3,076 |
| Net interest margin | 2.5570% | 3,795 |
| Noninterest income to average assets | 1.0000% | 590 |
| Noninterest expense to average assets | 2.1941% | 3,093 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.0016% | 1,994 |
| Return on assets (ROA) | 1.0016% | 1,995 |
| Pretax return on assets | 1.0016% | 2,485 |
| Return on Equity (ROE) | 5.4900% | 3,406 |
| Retained earnings to average equity (ytd only) | 5.4945% | 2,182 |
| Net charge-offs to loans | 0.0256% | 1,639 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 236.0000% | 446 |
| Efficiency ratio | 68.6587% | 2,263 |
| Assets per employee ($millions) | 5.7873% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7091% | 186 |
| Loan loss allowance to noncurrent loans | 657.1429% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 3,141 |
| Noncurrent loans to loans | 0.4122% | 1,959 |
| Net loans and leases to total assets | 17.8400% | 4,377 |
| Net loans and leases to deposits | 22.1460% | 4,385 |
| Net loans and leases to core deposits | 26.6555% | 4,352 |
| Total domestic deposits to total assets | 80.5600% | 3,352 |
| Equity capital to assets | 18.8237% | 311 |
| Core capital (leverage) ratio | 18.9218% | 301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.6700% | 95 |
| Memoranda: | ||
| Average total assets | $47,126,667 | 4,295 |
| Average earning assets | $40,516,000 | 4,299 |
| Average equity | $8,590,333 | 3,909 |
| Average total loans | $7,820,333 | 4,393 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9029% | 4,321 |
| Cost of funding earning assets | 1.6059% | 2,973 |
| Net interest margin | 2.2969% | 4,100 |
| Noninterest income to average assets | 0.9800% | 568 |
| Noninterest expense to average assets | 2.1371% | 3,224 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8246% | 2,463 |
| Return on assets (ROA) | 0.8246% | 2,478 |
| Pretax return on assets | 0.8246% | 2,865 |
| Return on Equity (ROE) | 4.6000% | 3,545 |
| Retained earnings to average equity (ytd only) | 4.5966% | 2,525 |
| Net charge-offs to loans | 0.0534% | 1,009 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 685 |
| Efficiency ratio | 72.1591% | 1,929 |
| Assets per employee ($millions) | 5.1522% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9853% | 120 |
| Loan loss allowance to noncurrent loans | 648.5714% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 3,146 |
| Noncurrent loans to loans | 0.4603% | 1,773 |
| Net loans and leases to total assets | 15.9100% | 4,408 |
| Net loans and leases to deposits | 19.6767% | 4,408 |
| Net loans and leases to core deposits | 24.1299% | 4,425 |
| Total domestic deposits to total assets | 80.8500% | 3,401 |
| Equity capital to assets | 18.4969% | 328 |
| Core capital (leverage) ratio | 18.0698% | 334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.8779% | 91 |
| Memoranda: | ||
| Average total assets | $47,541,000 | 4,318 |
| Average earning assets | $41,098,000 | 4,326 |
| Average equity | $8,528,000 | 3,934 |
| Average total loans | $7,485,500 | 4,423 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2512% | 4,467 |
| Cost of funding earning assets | 1.0421% | 3,207 |
| Net interest margin | 2.2091% | 4,310 |
| Noninterest income to average assets | 0.9400% | 704 |
| Noninterest expense to average assets | 2.0964% | 3,410 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7586% | 3,017 |
| Return on assets (ROA) | 0.7586% | 2,990 |
| Pretax return on assets | 0.7586% | 3,318 |
| Return on Equity (ROE) | 4.4800% | 3,819 |
| Retained earnings to average equity (ytd only) | 4.4769% | 2,802 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.4286% | 1,514 |
| Assets per employee ($millions) | 5.4124% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0949% | 109 |
| Loan loss allowance to noncurrent loans | 633.3333% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 3,062 |
| Noncurrent loans to loans | 0.4887% | 1,565 |
| Net loans and leases to total assets | 14.6600% | 4,429 |
| Net loans and leases to deposits | 17.8618% | 4,432 |
| Net loans and leases to core deposits | 21.7110% | 4,446 |
| Total domestic deposits to total assets | 82.0500% | 3,122 |
| Equity capital to assets | 17.4064% | 370 |
| Core capital (leverage) ratio | 17.2748% | 386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.1731% | 92 |
| Memoranda: | ||
| Average total assets | $49,037,000 | 4,325 |
| Average earning assets | $42,415,000 | 4,320 |
| Average equity | $8,309,400 | 3,899 |
| Average total loans | $7,305,800 | 4,440 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1458% | 4,502 |
| Cost of funding earning assets | 0.9011% | 3,269 |
| Net interest margin | 2.2448% | 4,329 |
| Noninterest income to average assets | 0.9700% | 676 |
| Noninterest expense to average assets | 2.1091% | 3,333 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8062% | 3,004 |
| Return on assets (ROA) | 0.8062% | 2,997 |
| Pretax return on assets | 0.8062% | 3,322 |
| Return on Equity (ROE) | 4.7900% | 3,845 |
| Retained earnings to average equity (ytd only) | 4.7900% | 3,007 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.3464% | 1,528 |
| Assets per employee ($millions) | 5.2928% | 3,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4595% | 84 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 14.3500% | 4,462 |
| Net loans and leases to deposits | 17.5371% | 4,459 |
| Net loans and leases to core deposits | 20.2153% | 4,441 |
| Total domestic deposits to total assets | 81.8400% | 3,242 |
| Equity capital to assets | 17.6425% | 366 |
| Core capital (leverage) ratio | 18.1195% | 345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.7091% | 89 |
| Memoranda: | ||
| Average total assets | $49,118,250 | 4,341 |
| Average earning assets | $42,467,750 | 4,342 |
| Average equity | $8,267,000 | 3,905 |
| Average total loans | $7,290,500 | 4,464 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1821% | 4,501 |
| Cost of funding earning assets | 0.7943% | 3,219 |
| Net interest margin | 2.3877% | 4,310 |
| Noninterest income to average assets | 0.9600% | 608 |
| Noninterest expense to average assets | 2.0721% | 3,422 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9514% | 2,583 |
| Return on assets (ROA) | 0.9514% | 2,572 |
| Pretax return on assets | 0.9514% | 3,045 |
| Return on Equity (ROE) | 5.7400% | 3,750 |
| Retained earnings to average equity (ytd only) | 5.7412% | 2,716 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.5333% | 1,920 |
| Assets per employee ($millions) | 5.1941% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4595% | 94 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 14.6300% | 4,489 |
| Net loans and leases to deposits | 17.9092% | 4,484 |
| Net loans and leases to core deposits | 21.5162% | 4,464 |
| Total domestic deposits to total assets | 81.6700% | 3,299 |
| Equity capital to assets | 17.8471% | 350 |
| Core capital (leverage) ratio | 17.3947% | 379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.0305% | 85 |
| Memoranda: | ||
| Average total assets | $49,612,667 | 4,358 |
| Average earning assets | $42,802,333 | 4,364 |
| Average equity | $8,221,333 | 3,931 |
| Average total loans | $7,360,000 | 4,494 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1203% | 4,519 |
| Cost of funding earning assets | 0.7438% | 2,912 |
| Net interest margin | 2.3765% | 4,400 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 2.0687% | 3,451 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8306% | 3,088 |
| Return on assets (ROA) | 0.8306% | 3,044 |
| Pretax return on assets | 0.8306% | 3,391 |
| Return on Equity (ROE) | 5.2000% | 3,858 |
| Retained earnings to average equity (ytd only) | 5.1958% | 2,975 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.3514% | 1,592 |
| Assets per employee ($millions) | 5.5093% | 3,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4151% | 95 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 13.9700% | 4,556 |
| Net loans and leases to deposits | 16.8061% | 4,554 |
| Net loans and leases to core deposits | 19.8932% | 4,536 |
| Total domestic deposits to total assets | 83.1500% | 3,266 |
| Equity capital to assets | 16.5638% | 366 |
| Core capital (leverage) ratio | 16.0929% | 460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.5095% | 87 |
| Memoranda: | ||
| Average total assets | $51,045,500 | 4,407 |
| Average earning assets | $44,098,000 | 4,412 |
| Average equity | $8,160,500 | 3,986 |
| Average total loans | $7,499,000 | 4,561 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1694% | 4,582 |
| Cost of funding earning assets | 0.2748% | 3,102 |
| Net interest margin | 1.8946% | 4,584 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 2.0205% | 3,531 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5192% | 4,058 |
| Return on assets (ROA) | 0.5192% | 4,010 |
| Pretax return on assets | 0.5192% | 4,152 |
| Return on Equity (ROE) | 3.3800% | 4,250 |
| Retained earnings to average equity (ytd only) | 3.3770% | 3,600 |
| Net charge-offs to loans | 0.0131% | 1,889 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 530 |
| Efficiency ratio | 79.5576% | 749 |
| Assets per employee ($millions) | 5.2507% | 3,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1314% | 106 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 14.4300% | 4,589 |
| Net loans and leases to deposits | 17.1184% | 4,583 |
| Net loans and leases to core deposits | 19.7565% | 4,562 |
| Total domestic deposits to total assets | 84.3200% | 3,143 |
| Equity capital to assets | 15.4418% | 433 |
| Core capital (leverage) ratio | 15.4697% | 517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.1469% | 100 |
| Memoranda: | ||
| Average total assets | $51,620,200 | 4,430 |
| Average earning assets | $45,127,200 | 4,427 |
| Average equity | $7,936,000 | 4,103 |
| Average total loans | $7,656,600 | 4,590 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8842% | 4,629 |
| Cost of funding earning assets | 0.1982% | 3,299 |
| Net interest margin | 1.6860% | 4,616 |
| Noninterest income to average assets | 0.9100% | 806 |
| Noninterest expense to average assets | 2.0311% | 3,398 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3606% | 4,305 |
| Return on assets (ROA) | 0.3606% | 4,253 |
| Pretax return on assets | 0.3606% | 4,320 |
| Return on Equity (ROE) | 2.3500% | 4,370 |
| Retained earnings to average equity (ytd only) | 2.3480% | 3,949 |
| Net charge-offs to loans | 0.0175% | 1,492 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 780 |
| Efficiency ratio | 84.9241% | 498 |
| Assets per employee ($millions) | 5.1077% | 3,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2693% | 104 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 14.1900% | 4,624 |
| Net loans and leases to deposits | 16.8632% | 4,627 |
| Net loans and leases to core deposits | 18.7264% | 4,605 |
| Total domestic deposits to total assets | 84.1600% | 3,466 |
| Equity capital to assets | 15.6215% | 402 |
| Core capital (leverage) ratio | 16.0414% | 445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.3460% | 101 |
| Memoranda: | ||
| Average total assets | $51,398,500 | 4,460 |
| Average earning assets | $45,076,500 | 4,460 |
| Average equity | $7,893,000 | 4,146 |
| Average total loans | $7,614,750 | 4,626 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6974% | 4,681 |
| Cost of funding earning assets | 0.1591% | 3,462 |
| Net interest margin | 1.5382% | 4,680 |
| Noninterest income to average assets | 0.9281% | 790 |
| Noninterest expense to average assets | 2.0270% | 3,364 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2524% | 4,359 |
| Return on assets (ROA) | 0.2524% | 4,319 |
| Pretax return on assets | 0.2524% | 4,347 |
| Return on Equity (ROE) | 1.6530% | 4,386 |
| Retained earnings to average equity (ytd only) | 1.6530% | 3,836 |
| Net charge-offs to loans | 0.0261% | 1,192 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 1,041 |
| Efficiency ratio | 88.9267% | 458 |
| Assets per employee ($millions) | 4.9573% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1438% | 123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 15.2260% | 4,686 |
| Net loans and leases to deposits | 18.1691% | 4,682 |
| Net loans and leases to core deposits | 20.8497% | 4,668 |
| Total domestic deposits to total assets | 83.8017% | 3,727 |
| Equity capital to assets | 15.9462% | 341 |
| Core capital (leverage) ratio | 15.4591% | 425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.1268% | 66 |
| Memoranda: | ||
| Average total assets | $51,505,667 | 4,495 |
| Average earning assets | $45,246,333 | 4,519 |
| Average equity | $7,864,333 | 4,219 |
| Average total loans | $7,655,000 | 4,689 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5453% | 4,714 |
| Cost of funding earning assets | 0.1563% | 3,416 |
| Net interest margin | 1.3890% | 4,714 |
| Noninterest income to average assets | 0.7852% | 1,078 |
| Noninterest expense to average assets | 1.9439% | 3,567 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0610% | 4,503 |
| Return on assets (ROA) | 0.0610% | 4,482 |
| Pretax return on assets | 0.0610% | 4,479 |
| Return on Equity (ROE) | 0.4080% | 4,494 |
| Retained earnings to average equity (ytd only) | 0.4080% | 3,938 |
| Net charge-offs to loans | 0.0527% | 761 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 1,524 |
| Efficiency ratio | 96.9582% | 302 |
| Assets per employee ($millions) | 5.2435% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2793% | 122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 13.7809% | 4,719 |
| Net loans and leases to deposits | 16.2404% | 4,717 |
| Net loans and leases to core deposits | 19.2961% | 4,700 |
| Total domestic deposits to total assets | 84.8555% | 3,570 |
| Equity capital to assets | 14.9671% | 399 |
| Core capital (leverage) ratio | 14.8887% | 448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.2961% | 67 |
| Memoranda: | ||
| Average total assets | $52,472,000 | 4,515 |
| Average earning assets | $46,075,000 | 4,530 |
| Average equity | $7,844,000 | 4,281 |
| Average total loans | $7,586,000 | 4,718 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0044% | 4,681 |
| Cost of funding earning assets | 0.2520% | 2,905 |
| Net interest margin | 1.7524% | 4,678 |
| Noninterest income to average assets | 0.8766% | 1,267 |
| Noninterest expense to average assets | 2.1276% | 3,313 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2654% | 4,463 |
| Return on assets (ROA) | 0.2654% | 4,482 |
| Pretax return on assets | 0.2654% | 4,521 |
| Return on Equity (ROE) | 1.6493% | 4,539 |
| Retained earnings to average equity (ytd only) | 0.0895% | 4,460 |
| Net charge-offs to loans | 0.0609% | 1,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 25.8000% | 1,715 |
| Efficiency ratio | 88.9080% | 360 |
| Assets per employee ($millions) | 5.2509% | 3,516 |
| Cash dividends to net income (ytd only)* | 94.5736% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1944% | 126 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 14.1976% | 4,758 |
| Net loans and leases to deposits | 16.7374% | 4,762 |
| Net loans and leases to core deposits | 19.4703% | 4,746 |
| Total domestic deposits to total assets | 84.8255% | 3,321 |
| Equity capital to assets | 14.9308% | 500 |
| Core capital (leverage) ratio | 15.6446% | 397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.5428% | 69 |
| Memoranda: | ||
| Average total assets | $48,599,200 | 4,579 |
| Average earning assets | $42,057,200 | 4,593 |
| Average equity | $7,821,400 | 4,344 |
| Average total loans | $8,216,600 | 4,749 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1751% | 4,721 |
| Cost of funding earning assets | 0.2723% | 2,869 |
| Net interest margin | 1.9028% | 4,717 |
| Noninterest income to average assets | 0.9099% | 1,236 |
| Noninterest expense to average assets | 2.1866% | 3,113 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3668% | 4,424 |
| Return on assets (ROA) | 0.3668% | 4,453 |
| Pretax return on assets | 0.3668% | 4,531 |
| Return on Equity (ROE) | 2.2345% | 4,558 |
| Retained earnings to average equity (ytd only) | 0.1535% | 4,539 |
| Net charge-offs to loans | 0.0799% | 872 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 26.2000% | 1,600 |
| Efficiency ratio | 85.6360% | 448 |
| Assets per employee ($millions) | 4.7572% | 3,920 |
| Cash dividends to net income (ytd only)* | 93.1298% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0905% | 140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 16.2154% | 4,823 |
| Net loans and leases to deposits | 19.4813% | 4,821 |
| Net loans and leases to core deposits | 22.4368% | 4,810 |
| Total domestic deposits to total assets | 83.2359% | 3,646 |
| Equity capital to assets | 16.4845% | 370 |
| Core capital (leverage) ratio | 16.7550% | 329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.2741% | 73 |
| Memoranda: | ||
| Average total assets | $47,621,750 | 4,654 |
| Average earning assets | $41,131,750 | 4,668 |
| Average equity | $7,816,750 | 4,410 |
| Average total loans | $8,345,500 | 4,818 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3944% | 4,676 |
| Cost of funding earning assets | 0.2860% | 2,908 |
| Net interest margin | 2.1084% | 4,649 |
| Noninterest income to average assets | 0.9152% | 1,232 |
| Noninterest expense to average assets | 2.1915% | 3,119 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5500% | 4,109 |
| Return on assets (ROA) | 0.5500% | 4,153 |
| Pretax return on assets | 0.5500% | 4,313 |
| Return on Equity (ROE) | 3.3554% | 4,423 |
| Retained earnings to average equity (ytd only) | 0.2305% | 4,473 |
| Net charge-offs to loans | 0.0236% | 1,479 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 643 |
| Efficiency ratio | 79.9387% | 787 |
| Assets per employee ($millions) | 4.6978% | 3,933 |
| Cash dividends to net income (ytd only)* | 93.1298% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8795% | 173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 17.9488% | 4,849 |
| Net loans and leases to deposits | 21.6194% | 4,848 |
| Net loans and leases to core deposits | 25.6823% | 4,821 |
| Total domestic deposits to total assets | 83.0218% | 3,705 |
| Equity capital to assets | 16.6929% | 347 |
| Core capital (leverage) ratio | 16.1934% | 360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.7417% | 76 |
| Memoranda: | ||
| Average total assets | $47,638,333 | 4,680 |
| Average earning assets | $41,263,333 | 4,700 |
| Average equity | $7,808,333 | 4,434 |
| Average total loans | $8,474,000 | 4,854 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2724% | 4,768 |
| Cost of funding earning assets | 0.2864% | 3,134 |
| Net interest margin | 1.9859% | 4,742 |
| Noninterest income to average assets | 0.8255% | 1,526 |
| Noninterest expense to average assets | 2.2348% | 2,991 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3252% | 4,484 |
| Return on assets (ROA) | 0.3252% | 4,519 |
| Pretax return on assets | 0.3252% | 4,575 |
| Return on Equity (ROE) | 2.0022% | 4,599 |
| Retained earnings to average equity (ytd only) | -4.2611% | 4,669 |
| Net charge-offs to loans | 0.0478% | 1,013 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 986 |
| Efficiency ratio | 87.2964% | 470 |
| Assets per employee ($millions) | 4.9322% | 3,730 |
| Cash dividends to net income (ytd only)* | 312.8205% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8172% | 178 |
| Loan loss allowance to noncurrent loans | 81.4332% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 0.6224% | 1,529 |
| Noncurrent loans to loans | 3.4595% | 199 |
| Net loans and leases to total assets | 17.4851% | 4,880 |
| Net loans and leases to deposits | 20.7943% | 4,881 |
| Net loans and leases to core deposits | 24.4078% | 4,859 |
| Total domestic deposits to total assets | 84.0862% | 3,405 |
| Equity capital to assets | 15.7131% | 418 |
| Core capital (leverage) ratio | 16.3796% | 352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.3421% | 82 |
| Memoranda: | ||
| Average total assets | $47,968,500 | 4,695 |
| Average earning assets | $41,894,500 | 4,704 |
| Average equity | $7,791,500 | 4,453 |
| Average total loans | $8,370,000 | 4,882 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3146% | 4,876 |
| Cost of funding earning assets | 0.5945% | 2,356 |
| Net interest margin | 1.7200% | 4,893 |
| Noninterest income to average assets | 1.0106% | 1,028 |
| Noninterest expense to average assets | 2.4874% | 2,890 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.0047% | 4,736 |
| Return on assets (ROA) | -0.0047% | 4,773 |
| Pretax return on assets | -0.0047% | 4,767 |
| Return on Equity (ROE) | -0.0255% | 4,773 |
| Retained earnings to average equity (ytd only) | -0.0255% | 4,518 |
| Net charge-offs to loans | 0.0117% | 2,904 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 3,359 |
| Efficiency ratio | 100.1907% | 171 |
| Assets per employee ($millions) | 4.6615% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1909% | 121 |
| Loan loss allowance to noncurrent loans | 267.0213% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 3,281 |
| Noncurrent loans to loans | 1.1950% | 1,175 |
| Net loans and leases to total assets | 16.3359% | 4,905 |
| Net loans and leases to deposits | 19.7076% | 4,906 |
| Net loans and leases to core deposits | 23.0618% | 4,890 |
| Total domestic deposits to total assets | 82.8918% | 3,442 |
| Equity capital to assets | 16.8036% | 355 |
| Core capital (leverage) ratio | 17.1969% | 301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.2302% | 63 |
| Memoranda: | ||
| Average total assets | $42,252,600 | 4,742 |
| Average earning assets | $36,162,400 | 4,767 |
| Average equity | $7,846,400 | 4,440 |
| Average total loans | $8,542,400 | 4,907 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5253% | 4,903 |
| Cost of funding earning assets | 0.6835% | 2,128 |
| Net interest margin | 1.8417% | 4,931 |
| Noninterest income to average assets | 1.0657% | 918 |
| Noninterest expense to average assets | 2.5881% | 2,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.0486% | 4,738 |
| Return on assets (ROA) | 0.0486% | 4,763 |
| Pretax return on assets | 0.0486% | 4,761 |
| Return on Equity (ROE) | 0.2548% | 4,771 |
| Retained earnings to average equity (ytd only) | 0.2548% | 4,434 |
| Net charge-offs to loans | 0.0153% | 2,579 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,122 |
| Efficiency ratio | 98.1572% | 190 |
| Assets per employee ($millions) | 4.2471% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9824% | 139 |
| Loan loss allowance to noncurrent loans | 14.9227% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 3.9603% | 83 |
| Noncurrent loans to loans | 19.9857% | 6 |
| Net loans and leases to total assets | 19.2249% | 4,934 |
| Net loans and leases to deposits | 23.7031% | 4,930 |
| Net loans and leases to core deposits | 26.3353% | 4,916 |
| Total domestic deposits to total assets | 81.1071% | 3,634 |
| Equity capital to assets | 18.4856% | 271 |
| Core capital (leverage) ratio | 19.2852% | 230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.7751% | 68 |
| Memoranda: | ||
| Average total assets | $41,162,000 | 4,779 |
| Average earning assets | $35,111,000 | 4,805 |
| Average equity | $7,849,750 | 4,459 |
| Average total loans | $8,711,500 | 4,937 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6953% | 4,937 |
| Cost of funding earning assets | 0.7579% | 2,065 |
| Net interest margin | 1.9375% | 4,962 |
| Noninterest income to average assets | 1.0951% | 828 |
| Noninterest expense to average assets | 2.6421% | 2,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1228% | 4,659 |
| Return on assets (ROA) | 0.1228% | 4,692 |
| Pretax return on assets | 0.1228% | 4,704 |
| Return on Equity (ROE) | 0.6370% | 4,732 |
| Retained earnings to average equity (ytd only) | 0.6370% | 4,176 |
| Net charge-offs to loans | 0.0227% | 2,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,563 |
| Efficiency ratio | 95.5595% | 256 |
| Assets per employee ($millions) | 4.0635% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7839% | 168 |
| Loan loss allowance to noncurrent loans | 13.2524% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 4.6610% | 61 |
| Noncurrent loans to loans | 21.0071% | 6 |
| Net loans and leases to total assets | 21.5701% | 4,946 |
| Net loans and leases to deposits | 26.8923% | 4,945 |
| Net loans and leases to core deposits | 29.7240% | 4,937 |
| Total domestic deposits to total assets | 80.2092% | 3,790 |
| Equity capital to assets | 19.3454% | 233 |
| Core capital (leverage) ratio | 19.6015% | 226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.5092% | 63 |
| Memoranda: | ||
| Average total assets | $40,725,667 | 4,807 |
| Average earning assets | $35,097,667 | 4,831 |
| Average equity | $7,849,333 | 4,479 |
| Average total loans | $8,810,000 | 4,969 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0395% | 4,939 |
| Cost of funding earning assets | 0.8684% | 2,019 |
| Net interest margin | 2.1711% | 4,971 |
| Noninterest income to average assets | 1.0007% | 858 |
| Noninterest expense to average assets | 2.7078% | 2,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1570% | 4,592 |
| Return on assets (ROA) | 0.1570% | 4,592 |
| Pretax return on assets | 0.1570% | 4,614 |
| Return on Equity (ROE) | 0.8160% | 4,649 |
| Retained earnings to average equity (ytd only) | 0.8160% | 3,786 |
| Net charge-offs to loans | 0.0459% | 1,560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,543 |
| Efficiency ratio | 94.5205% | 364 |
| Assets per employee ($millions) | 3.9880% | 3,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8346% | 176 |
| Loan loss allowance to noncurrent loans | 134.2246% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.4689% | 2,590 |
| Noncurrent loans to loans | 2.1118% | 643 |
| Net loans and leases to total assets | 21.5747% | 4,997 |
| Net loans and leases to deposits | 26.9845% | 4,999 |
| Net loans and leases to core deposits | 30.0660% | 4,987 |
| Total domestic deposits to total assets | 79.9524% | 3,873 |
| Equity capital to assets | 19.6891% | 260 |
| Core capital (leverage) ratio | 19.1849% | 269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.0386% | 63 |
| Memoranda: | ||
| Average total assets | $40,771,000 | 4,838 |
| Average earning assets | $35,005,500 | 4,866 |
| Average equity | $7,843,500 | 4,500 |
| Average total loans | $8,707,000 | 5,014 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4176% | 4,908 |
| Cost of funding earning assets | 1.0157% | 1,661 |
| Net interest margin | 2.4020% | 5,012 |
| Noninterest income to average assets | 1.1630% | 692 |
| Noninterest expense to average assets | 2.5492% | 3,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6330% | 4,064 |
| Return on assets (ROA) | 0.6330% | 4,130 |
| Pretax return on assets | 0.6330% | 4,366 |
| Return on Equity (ROE) | 3.3463% | 4,603 |
| Retained earnings to average equity (ytd only) | 3.3463% | 3,336 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1079% | 934 |
| Assets per employee ($millions) | 4.1662% | 3,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9443% | 135 |
| Loan loss allowance to noncurrent loans | 354.9296% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 3,800 |
| Noncurrent loans to loans | 0.8295% | 1,850 |
| Net loans and leases to total assets | 19.9390% | 5,077 |
| Net loans and leases to deposits | 24.7276% | 5,073 |
| Net loans and leases to core deposits | 27.6808% | 5,060 |
| Total domestic deposits to total assets | 80.6346% | 3,847 |
| Equity capital to assets | 18.8061% | 312 |
| Core capital (leverage) ratio | 18.9944% | 277 |
| Tier 1 risk-based capital ratio | 56.7137% | 106 |
| Total risk-based capital ratio | 57.9660% | 105 |
| Memoranda: | ||
| Average total assets | $40,758,200 | 4,877 |
| Average earning assets | $34,263,400 | 4,928 |
| Average equity | $7,710,000 | 4,542 |
| Average total loans | $8,332,000 | 5,084 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4058% | 5,021 |
| Cost of funding earning assets | 1.0214% | 1,673 |
| Net interest margin | 2.3845% | 5,107 |
| Noninterest income to average assets | 1.2336% | 599 |
| Noninterest expense to average assets | 2.6020% | 3,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6283% | 4,221 |
| Return on assets (ROA) | 0.6283% | 4,269 |
| Pretax return on assets | 0.6283% | 4,494 |
| Return on Equity (ROE) | 3.3164% | 4,712 |
| Retained earnings to average equity (ytd only) | 3.3164% | 3,749 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5499% | 868 |
| Assets per employee ($millions) | 3.8984% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2550% | 107 |
| Loan loss allowance to noncurrent loans | 113.0045% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 2,297 |
| Noncurrent loans to loans | 2.8804% | 355 |
| Net loans and leases to total assets | 19.2130% | 5,162 |
| Net loans and leases to deposits | 24.1675% | 5,158 |
| Net loans and leases to core deposits | 27.4349% | 5,146 |
| Total domestic deposits to total assets | 79.4993% | 4,088 |
| Equity capital to assets | 19.9287% | 261 |
| Core capital (leverage) ratio | 20.2661% | 242 |
| Tier 1 risk-based capital ratio | 61.8896% | 89 |
| Total risk-based capital ratio | 63.1483% | 88 |
| Memoranda: | ||
| Average total assets | $40,532,250 | 4,954 |
| Average earning assets | $33,941,000 | 5,006 |
| Average equity | $7,678,750 | 4,604 |
| Average total loans | $8,275,250 | 5,165 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4149% | 5,072 |
| Cost of funding earning assets | 0.9965% | 1,709 |
| Net interest margin | 2.4184% | 5,159 |
| Noninterest income to average assets | 1.2619% | 544 |
| Noninterest expense to average assets | 2.6164% | 3,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6675% | 4,106 |
| Return on assets (ROA) | 0.6675% | 4,158 |
| Pretax return on assets | 0.6675% | 4,408 |
| Return on Equity (ROE) | 3.5823% | 4,673 |
| Retained earnings to average equity (ytd only) | 3.5823% | 3,460 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6736% | 994 |
| Assets per employee ($millions) | 3.8390% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9268% | 135 |
| Loan loss allowance to noncurrent loans | 46.7532% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.4040% | 846 |
| Noncurrent loans to loans | 6.2602% | 57 |
| Net loans and leases to total assets | 21.7713% | 5,196 |
| Net loans and leases to deposits | 27.4231% | 5,193 |
| Net loans and leases to core deposits | 31.0591% | 5,172 |
| Total domestic deposits to total assets | 79.3905% | 4,147 |
| Equity capital to assets | 20.0964% | 247 |
| Core capital (leverage) ratio | 19.3937% | 259 |
| Tier 1 risk-based capital ratio | 58.4381% | 92 |
| Total risk-based capital ratio | 59.6955% | 92 |
| Memoranda: | ||
| Average total assets | $41,048,330 | 4,989 |
| Average earning assets | $34,320,000 | 5,041 |
| Average equity | $7,648,670 | 4,629 |
| Average total loans | $8,453,000 | 5,209 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3962% | 5,112 |
| Cost of funding earning assets | 0.9867% | 1,624 |
| Net interest margin | 2.4095% | 5,223 |
| Noninterest income to average assets | 1.2931% | 509 |
| Noninterest expense to average assets | 2.5674% | 3,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7079% | 3,909 |
| Return on assets (ROA) | 0.7079% | 3,955 |
| Pretax return on assets | 0.7079% | 4,284 |
| Return on Equity (ROE) | 3.9393% | 4,588 |
| Retained earnings to average equity (ytd only) | 3.9393% | 3,332 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3862% | 1,226 |
| Assets per employee ($millions) | 4.1814% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9525% | 140 |
| Loan loss allowance to noncurrent loans | 71.7949% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 0.8394% | 1,689 |
| Noncurrent loans to loans | 4.1125% | 177 |
| Net loans and leases to total assets | 19.8092% | 5,265 |
| Net loans and leases to deposits | 24.4748% | 5,260 |
| Net loans and leases to core deposits | 27.7571% | 5,246 |
| Total domestic deposits to total assets | 80.9370% | 3,981 |
| Equity capital to assets | 18.3025% | 324 |
| Core capital (leverage) ratio | 18.1954% | 326 |
| Tier 1 risk-based capital ratio | 54.2574% | 115 |
| Total risk-based capital ratio | 55.5122% | 113 |
| Memoranda: | ||
| Average total assets | $42,377,500 | 5,027 |
| Average earning assets | $34,862,500 | 5,082 |
| Average equity | $7,615,500 | 4,663 |
| Average total loans | $8,374,500 | 5,269 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8270% | 5,285 |
| Cost of funding earning assets | 0.7180% | 1,978 |
| Net interest margin | 2.1090% | 5,322 |
| Noninterest income to average assets | 1.1820% | 662 |
| Noninterest expense to average assets | 2.5475% | 3,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3597% | 4,921 |
| Return on assets (ROA) | 0.3597% | 4,918 |
| Pretax return on assets | 0.3597% | 4,981 |
| Return on Equity (ROE) | 1.9636% | 5,047 |
| Retained earnings to average equity (ytd only) | 1.9636% | 4,362 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6263% | 451 |
| Assets per employee ($millions) | 4.2941% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0679% | 124 |
| Loan loss allowance to noncurrent loans | 71.7949% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 0.8174% | 1,710 |
| Noncurrent loans to loans | 4.2732% | 164 |
| Net loans and leases to total assets | 18.5417% | 5,318 |
| Net loans and leases to deposits | 22.6483% | 5,312 |
| Net loans and leases to core deposits | 26.0741% | 5,297 |
| Total domestic deposits to total assets | 81.8681% | 3,680 |
| Equity capital to assets | 17.6475% | 366 |
| Core capital (leverage) ratio | 17.8866% | 340 |
| Tier 1 risk-based capital ratio | 54.2798% | 113 |
| Total risk-based capital ratio | 55.5333% | 108 |
| Memoranda: | ||
| Average total assets | $40,862,800 | 5,084 |
| Average earning assets | $33,428,000 | 5,149 |
| Average equity | $7,486,200 | 4,680 |
| Average total loans | $8,042,400 | 5,325 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6815% | 5,384 |
| Cost of funding earning assets | 0.6359% | 2,238 |
| Net interest margin | 2.0455% | 5,401 |
| Noninterest income to average assets | 1.2856% | 587 |
| Noninterest expense to average assets | 2.7364% | 2,855 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2181% | 5,187 |
| Return on assets (ROA) | 0.2181% | 5,182 |
| Pretax return on assets | 0.2181% | 5,196 |
| Return on Equity (ROE) | 1.1791% | 5,212 |
| Retained earnings to average equity (ytd only) | 1.1791% | 4,808 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6174% | 269 |
| Assets per employee ($millions) | 3.9801% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2466% | 108 |
| Loan loss allowance to noncurrent loans | 69.8061% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 0.9070% | 1,628 |
| Noncurrent loans to loans | 4.6509% | 156 |
| Net loans and leases to total assets | 18.8689% | 5,389 |
| Net loans and leases to deposits | 23.3796% | 5,385 |
| Net loans and leases to core deposits | 26.5156% | 5,374 |
| Total domestic deposits to total assets | 80.7065% | 3,950 |
| Equity capital to assets | 18.8362% | 279 |
| Core capital (leverage) ratio | 19.2428% | 266 |
| Tier 1 risk-based capital ratio | 58.0533% | 91 |
| Total risk-based capital ratio | 59.3077% | 90 |
| Memoranda: | ||
| Average total assets | $40,343,250 | 5,155 |
| Average earning assets | $32,916,500 | 5,214 |
| Average equity | $7,463,250 | 4,731 |
| Average total loans | $7,999,500 | 5,394 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5433% | 5,469 |
| Cost of funding earning assets | 0.5753% | 2,396 |
| Net interest margin | 1.9680% | 5,472 |
| Noninterest income to average assets | 1.3868% | 497 |
| Noninterest expense to average assets | 2.8526% | 2,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1382% | 5,269 |
| Return on assets (ROA) | 0.1382% | 5,262 |
| Pretax return on assets | 0.1382% | 5,279 |
| Return on Equity (ROE) | 0.7515% | 5,291 |
| Retained earnings to average equity (ytd only) | 0.7515% | 4,814 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3795% | 231 |
| Assets per employee ($millions) | 3.9007% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0958% | 125 |
| Loan loss allowance to noncurrent loans | 69.8061% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 0.9255% | 1,630 |
| Noncurrent loans to loans | 4.4349% | 179 |
| Net loans and leases to total assets | 20.2220% | 5,444 |
| Net loans and leases to deposits | 25.1178% | 5,437 |
| Net loans and leases to core deposits | 28.5921% | 5,416 |
| Total domestic deposits to total assets | 80.5086% | 4,136 |
| Equity capital to assets | 19.1222% | 260 |
| Core capital (leverage) ratio | 19.0924% | 262 |
| Tier 1 risk-based capital ratio | 56.1503% | 100 |
| Total risk-based capital ratio | 57.4074% | 99 |
| Memoranda: | ||
| Average total assets | $40,524,000 | 5,214 |
| Average earning assets | $33,028,000 | 5,277 |
| Average equity | $7,452,000 | 4,781 |
| Average total loans | $8,078,670 | 5,451 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7330% | 5,473 |
| Cost of funding earning assets | 0.5206% | 2,631 |
| Net interest margin | 2.2124% | 5,500 |
| Noninterest income to average assets | 1.2209% | 622 |
| Noninterest expense to average assets | 2.7033% | 3,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3294% | 5,052 |
| Return on assets (ROA) | 0.3294% | 5,057 |
| Pretax return on assets | 0.3294% | 5,129 |
| Return on Equity (ROE) | 1.8259% | 5,204 |
| Retained earnings to average equity (ytd only) | 1.8259% | 4,404 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1374% | 481 |
| Assets per employee ($millions) | 3.9048% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1304% | 136 |
| 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 | 19.9703% | 5,507 |
| Net loans and leases to deposits | 24.7666% | 5,497 |
| Net loans and leases to core deposits | 28.4339% | 5,475 |
| Total domestic deposits to total assets | 80.6341% | 4,289 |
| Equity capital to assets | 19.1175% | 249 |
| Core capital (leverage) ratio | 18.1381% | 304 |
| Tier 1 risk-based capital ratio | 56.2260% | 100 |
| Total risk-based capital ratio | 57.4765% | 99 |
| Memoranda: | ||
| Average total assets | $41,282,500 | 5,262 |
| Average earning assets | $33,809,000 | 5,320 |
| Average equity | $7,448,500 | 4,829 |
| Average total loans | $8,048,000 | 5,513 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6654% | 5,506 |
| Cost of funding earning assets | 0.4001% | 3,255 |
| Net interest margin | 2.2653% | 5,518 |
| Noninterest income to average assets | 1.1783% | 745 |
| Noninterest expense to average assets | 2.7469% | 2,967 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2845% | 4,959 |
| Return on assets (ROA) | 0.2845% | 4,976 |
| Pretax return on assets | 0.2845% | 5,220 |
| Return on Equity (ROE) | 1.5206% | 5,153 |
| Retained earnings to average equity (ytd only) | -0.0538% | 5,033 |
| Net charge-offs to loans | 0.0511% | 2,772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 28.2500% | 1,608 |
| Efficiency ratio | 90.6146% | 400 |
| Assets per employee ($millions) | 4.3517% | 3,412 |
| Cash dividends to net income (ytd only)* | 103.5398% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1320% | 124 |
| 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 | 17.9102% | 5,580 |
| Net loans and leases to deposits | 21.7448% | 5,587 |
| Net loans and leases to core deposits | 25.9144% | 5,563 |
| Total domestic deposits to total assets | 82.3655% | 3,768 |
| Equity capital to assets | 17.0784% | 393 |
| Core capital (leverage) ratio | 17.6144% | 324 |
| Tier 1 risk-based capital ratio | 52.7246% | 110 |
| Total risk-based capital ratio | 53.9804% | 109 |
| Memoranda: | ||
| Average total assets | $39,716,800 | 5,332 |
| Average earning assets | $32,490,000 | 5,395 |
| Average equity | $7,431,400 | 4,876 |
| Average total loans | $7,829,600 | 5,580 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6591% | 5,577 |
| Cost of funding earning assets | 0.3624% | 3,532 |
| Net interest margin | 2.2967% | 5,571 |
| Noninterest income to average assets | 1.2244% | 698 |
| Noninterest expense to average assets | 2.7480% | 2,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3508% | 5,107 |
| Return on assets (ROA) | 0.3508% | 5,130 |
| Pretax return on assets | 0.3508% | 5,259 |
| Return on Equity (ROE) | 1.8301% | 5,330 |
| Retained earnings to average equity (ytd only) | -0.2691% | 5,248 |
| Net charge-offs to loans | 0.0685% | 2,140 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 25.5159% | 1,725 |
| Efficiency ratio | 88.6792% | 468 |
| Assets per employee ($millions) | 3.9500% | 4,073 |
| Cash dividends to net income (ytd only)* | 114.7059% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2258% | 124 |
| 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 | 19.1392% | 5,640 |
| Net loans and leases to deposits | 23.6916% | 5,639 |
| Net loans and leases to core deposits | 26.4604% | 5,629 |
| Total domestic deposits to total assets | 80.7848% | 4,108 |
| Equity capital to assets | 18.7924% | 280 |
| Core capital (leverage) ratio | 19.2963% | 235 |
| Tier 1 risk-based capital ratio | 57.6221% | 89 |
| Total risk-based capital ratio | 58.8802% | 89 |
| Memoranda: | ||
| Average total assets | $38,766,750 | 5,407 |
| Average earning assets | $31,639,000 | 5,470 |
| Average equity | $7,431,250 | 4,921 |
| Average total loans | $7,775,500 | 5,643 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6161% | 5,629 |
| Cost of funding earning assets | 0.3484% | 3,600 |
| Net interest margin | 2.2677% | 5,623 |
| Noninterest income to average assets | 1.2356% | 682 |
| Noninterest expense to average assets | 2.7517% | 2,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3427% | 5,121 |
| Return on assets (ROA) | 0.3427% | 5,142 |
| Pretax return on assets | 0.3427% | 5,277 |
| Return on Equity (ROE) | 1.7756% | 5,373 |
| Retained earnings to average equity (ytd only) | -1.3721% | 5,270 |
| Net charge-offs to loans | 0.0515% | 2,186 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,398 |
| Efficiency ratio | 88.9262% | 509 |
| Assets per employee ($millions) | 3.7397% | 4,375 |
| Cash dividends to net income (ytd only)* | 177.2727% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3077% | 123 |
| 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 | 19.8545% | 5,683 |
| Net loans and leases to deposits | 24.8652% | 5,678 |
| Net loans and leases to core deposits | 27.1958% | 5,674 |
| Total domestic deposits to total assets | 79.8487% | 4,445 |
| Equity capital to assets | 19.7583% | 228 |
| Core capital (leverage) ratio | 19.3547% | 226 |
| Tier 1 risk-based capital ratio | 60.6339% | 81 |
| Total risk-based capital ratio | 61.8903% | 81 |
| Memoranda: | ||
| Average total assets | $38,522,330 | 5,453 |
| Average earning assets | $31,573,670 | 5,523 |
| Average equity | $7,434,000 | 4,940 |
| Average total loans | $7,763,330 | 5,693 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6012% | 5,685 |
| Cost of funding earning assets | 0.3393% | 3,637 |
| Net interest margin | 2.2619% | 5,676 |
| Noninterest income to average assets | 1.0439% | 923 |
| Noninterest expense to average assets | 2.6097% | 3,460 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2763% | 5,250 |
| Return on assets (ROA) | 0.2763% | 5,263 |
| Pretax return on assets | 0.2763% | 5,345 |
| Return on Equity (ROE) | 1.4484% | 5,435 |
| Retained earnings to average equity (ytd only) | 1.4484% | 4,524 |
| Net charge-offs to loans | 0.1537% | 1,039 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,020 |
| Efficiency ratio | 90.4255% | 538 |
| Assets per employee ($millions) | 3.8284% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3333% | 127 |
| 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 | 19.1647% | 5,755 |
| Net loans and leases to deposits | 23.9037% | 5,749 |
| Net loans and leases to core deposits | 26.6422% | 5,726 |
| Total domestic deposits to total assets | 80.1745% | 4,584 |
| Equity capital to assets | 19.5095% | 224 |
| Core capital (leverage) ratio | 18.8182% | 245 |
| Tier 1 risk-based capital ratio | 60.3819% | 83 |
| Total risk-based capital ratio | 61.6362% | 83 |
| Memoranda: | ||
| Average total assets | $39,085,000 | 5,511 |
| Average earning assets | $31,831,500 | 5,579 |
| Average equity | $7,456,500 | 4,975 |
| Average total loans | $7,805,500 | 5,759 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5222% | 5,752 |
| Cost of funding earning assets | 0.2544% | 4,527 |
| Net interest margin | 2.2678% | 5,725 |
| Noninterest income to average assets | 1.2308% | 751 |
| Noninterest expense to average assets | 2.7431% | 3,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3122% | 5,192 |
| Return on assets (ROA) | 0.3122% | 5,257 |
| Pretax return on assets | 0.3122% | 5,347 |
| Return on Equity (ROE) | 1.6529% | 5,465 |
| Retained earnings to average equity (ytd only) | 1.6529% | 4,592 |
| Net charge-offs to loans | 0.2974% | 932 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 5.0833% | 3,391 |
| Efficiency ratio | 89.7822% | 571 |
| Assets per employee ($millions) | 3.9886% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1916% | 144 |
| 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 | 19.4680% | 5,809 |
| Net loans and leases to deposits | 24.0962% | 5,798 |
| Net loans and leases to core deposits | 26.3909% | 5,790 |
| Total domestic deposits to total assets | 80.7928% | 4,390 |
| Equity capital to assets | 18.6632% | 264 |
| Core capital (leverage) ratio | 18.7917% | 241 |
| Tier 1 risk-based capital ratio | 56.6486% | 102 |
| Total risk-based capital ratio | 57.9060% | 98 |
| Memoranda: | ||
| Average total assets | $39,079,600 | 5,559 |
| Average earning assets | $31,440,800 | 5,639 |
| Average equity | $7,381,000 | 5,028 |
| Average total loans | $8,070,000 | 5,808 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5414% | 5,813 |
| Cost of funding earning assets | 0.2481% | 4,617 |
| Net interest margin | 2.2932% | 5,778 |
| Noninterest income to average assets | 1.2552% | 737 |
| Noninterest expense to average assets | 2.7504% | 3,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3429% | 5,180 |
| Return on assets (ROA) | 0.3429% | 5,262 |
| Pretax return on assets | 0.3429% | 5,389 |
| Return on Equity (ROE) | 1.8103% | 5,508 |
| Retained earnings to average equity (ytd only) | 1.8103% | 4,780 |
| Net charge-offs to loans | 0.3959% | 550 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 4.1666% | 3,307 |
| Efficiency ratio | 88.9135% | 620 |
| Assets per employee ($millions) | 3.8647% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1628% | 156 |
| 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 | 20.2810% | 5,864 |
| Net loans and leases to deposits | 25.2594% | 5,854 |
| Net loans and leases to core deposits | 28.2766% | 5,840 |
| Total domestic deposits to total assets | 80.2908% | 4,444 |
| Equity capital to assets | 19.2098% | 256 |
| Core capital (leverage) ratio | 19.5444% | 212 |
| Tier 1 risk-based capital ratio | 56.9847% | 97 |
| Total risk-based capital ratio | 58.2379% | 97 |
| Memoranda: | ||
| Average total assets | $38,878,000 | 5,615 |
| Average earning assets | $31,163,250 | 5,702 |
| Average equity | $7,365,250 | 5,079 |
| Average total loans | $8,082,250 | 5,872 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5292% | 5,894 |
| Cost of funding earning assets | 0.2497% | 4,660 |
| Net interest margin | 2.2794% | 5,871 |
| Noninterest income to average assets | 1.2117% | 767 |
| Noninterest expense to average assets | 2.7416% | 3,232 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2978% | 5,330 |
| Return on assets (ROA) | 0.2978% | 5,416 |
| Pretax return on assets | 0.2978% | 5,500 |
| Return on Equity (ROE) | 1.5792% | 5,596 |
| Retained earnings to average equity (ytd only) | 1.5792% | 4,747 |
| Net charge-offs to loans | 0.5694% | 367 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.5217% | 3,260 |
| Efficiency ratio | 90.2027% | 594 |
| Assets per employee ($millions) | 3.7706% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9547% | 208 |
| 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 | 22.3864% | 5,911 |
| Net loans and leases to deposits | 27.9855% | 5,905 |
| Net loans and leases to core deposits | 29.8258% | 5,898 |
| Total domestic deposits to total assets | 79.9926% | 4,550 |
| Equity capital to assets | 19.5857% | 231 |
| Core capital (leverage) ratio | 19.0105% | 233 |
| Tier 1 risk-based capital ratio | 54.5603% | 111 |
| Total risk-based capital ratio | 55.8114% | 111 |
| Memoranda: | ||
| Average total assets | $38,955,000 | 5,674 |
| Average earning assets | $31,235,670 | 5,769 |
| Average equity | $7,345,670 | 5,133 |
| Average total loans | $8,078,330 | 5,947 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4151% | 5,992 |
| Cost of funding earning assets | 0.2390% | 4,817 |
| Net interest margin | 2.1761% | 5,973 |
| Noninterest income to average assets | 1.0510% | 984 |
| Noninterest expense to average assets | 2.8297% | 2,958 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0303% | 5,803 |
| Return on assets (ROA) | -0.0303% | 5,828 |
| Pretax return on assets | -0.0303% | 5,830 |
| Return on Equity (ROE) | -0.1638% | 5,826 |
| Retained earnings to average equity (ytd only) | -0.1638% | 5,133 |
| Net charge-offs to loans | 1.1843% | 152 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -0.1304% | 2,983 |
| Efficiency ratio | 101.0830% | 268 |
| Assets per employee ($millions) | 3.8421% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5278% | 130 |
| 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 | 18.2921% | 6,015 |
| Net loans and leases to deposits | 22.6907% | 6,002 |
| Net loans and leases to core deposits | 24.3554% | 6,001 |
| Total domestic deposits to total assets | 80.6148% | 4,600 |
| Equity capital to assets | 19.0625% | 255 |
| Core capital (leverage) ratio | 18.3953% | 266 |
| Tier 1 risk-based capital ratio | 56.5187% | 102 |
| Total risk-based capital ratio | 57.7714% | 101 |
| Memoranda: | ||
| Average total assets | $39,579,500 | 5,724 |
| Average earning assets | $31,799,500 | 5,816 |
| Average equity | $7,326,000 | 5,169 |
| Average total loans | $7,768,500 | 6,014 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5223% | 5,992 |
| Cost of funding earning assets | 0.2420% | 4,864 |
| Net interest margin | 2.2803% | 5,955 |
| Noninterest income to average assets | 1.2087% | 818 |
| Noninterest expense to average assets | 2.7202% | 3,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2952% | 5,374 |
| Return on assets (ROA) | 0.2952% | 5,453 |
| Pretax return on assets | 0.2952% | 5,528 |
| Return on Equity (ROE) | 1.6014% | 5,662 |
| Retained earnings to average equity (ytd only) | -1.4919% | 5,710 |
| Net charge-offs to loans | 0.0240% | 3,777 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 58.5000% | 884 |
| Efficiency ratio | 90.2092% | 681 |
| Assets per employee ($millions) | 4.0738% | 3,807 |
| Cash dividends to net income (ytd only)* | 193.1624% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3931% | 145 |
| Loan loss allowance to noncurrent loans | 28,000.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 5,721 |
| Noncurrent loans to loans | 0.0121% | 5,485 |
| Net loans and leases to total assets | 19.5690% | 6,054 |
| Net loans and leases to deposits | 23.9673% | 6,050 |
| Net loans and leases to core deposits | 24.8233% | 6,052 |
| Total domestic deposits to total assets | 81.6486% | 4,285 |
| Equity capital to assets | 17.9881% | 317 |
| Core capital (leverage) ratio | 17.6506% | 302 |
| Tier 1 risk-based capital ratio | 21.0999% | 1,277 |
| Total risk-based capital ratio | 21.9077% | 1,330 |
| Memoranda: | ||
| Average total assets | $39,630,000 | 5,772 |
| Average earning assets | $31,400,000 | 5,870 |
| Average equity | $7,306,200 | 5,186 |
| Average total loans | $8,349,600 | 6,051 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5364% | 6,076 |
| Cost of funding earning assets | 0.2434% | 4,955 |
| Net interest margin | 2.2930% | 6,035 |
| Noninterest income to average assets | 1.2231% | 803 |
| Noninterest expense to average assets | 2.7748% | 3,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2677% | 5,541 |
| Return on assets (ROA) | 0.2677% | 5,616 |
| Pretax return on assets | 0.2677% | 5,691 |
| Return on Equity (ROE) | 1.4427% | 5,787 |
| Retained earnings to average equity (ytd only) | -2.6847% | 5,913 |
| Net charge-offs to loans | 0.0319% | 3,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 39.4494% | 1,259 |
| Efficiency ratio | 91.2027% | 614 |
| Assets per employee ($millions) | 4.0222% | 3,841 |
| Cash dividends to net income (ytd only)* | 286.0818% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5053% | 147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 19.1636% | 6,147 |
| Net loans and leases to deposits | 23.5201% | 6,143 |
| Net loans and leases to core deposits | 25.1312% | 6,140 |
| Total domestic deposits to total assets | 81.4778% | 4,333 |
| Equity capital to assets | 18.1319% | 332 |
| Core capital (leverage) ratio | 18.4834% | 271 |
| Tier 1 risk-based capital ratio | 24.7483% | 880 |
| Total risk-based capital ratio | 25.7007% | 889 |
| Memoranda: | ||
| Average total assets | $39,353,000 | 5,855 |
| Average earning assets | $31,224,250 | 5,952 |
| Average equity | $7,300,750 | 5,257 |
| Average total loans | $8,374,000 | 6,134 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5425% | 6,145 |
| Cost of funding earning assets | 0.2400% | 5,055 |
| Net interest margin | 2.3025% | 6,096 |
| Noninterest income to average assets | 1.2134% | 825 |
| Noninterest expense to average assets | 2.8467% | 3,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1843% | 5,735 |
| Return on assets (ROA) | 0.1843% | 5,792 |
| Pretax return on assets | 0.1843% | 5,841 |
| Return on Equity (ROE) | 0.9859% | 5,905 |
| Retained earnings to average equity (ytd only) | -5.2031% | 6,031 |
| Net charge-offs to loans | 0.0470% | 2,760 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,826 |
| Efficiency ratio | 93.9189% | 518 |
| Assets per employee ($millions) | 3.8568% | 4,151 |
| Cash dividends to net income (ytd only)* | 627.7778% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1139% | 244 |
| Loan loss allowance to noncurrent loans | 4,666.6667% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 5,832 |
| Noncurrent loans to loans | 0.0667% | 5,470 |
| Net loans and leases to total assets | 22.5887% | 6,182 |
| Net loans and leases to deposits | 27.9347% | 6,170 |
| Net loans and leases to core deposits | 29.6933% | 6,158 |
| Total domestic deposits to total assets | 80.8624% | 4,647 |
| Equity capital to assets | 18.7980% | 276 |
| Core capital (leverage) ratio | 17.8950% | 297 |
| Tier 1 risk-based capital ratio | 21.6136% | 1,266 |
| Total risk-based capital ratio | 22.4503% | 1,300 |
| Memoranda: | ||
| Average total assets | $39,063,330 | 5,919 |
| Average earning assets | $30,836,330 | 6,031 |
| Average equity | $7,303,330 | 5,297 |
| Average total loans | $8,502,670 | 6,201 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5646% | 6,199 |
| Cost of funding earning assets | 0.2461% | 5,061 |
| Net interest margin | 2.3185% | 6,152 |
| Noninterest income to average assets | 1.0989% | 933 |
| Noninterest expense to average assets | 2.9508% | 2,734 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0305% | 6,043 |
| Return on assets (ROA) | -0.0305% | 6,077 |
| Pretax return on assets | -0.0305% | 6,073 |
| Return on Equity (ROE) | -0.1637% | 6,071 |
| Retained earnings to average equity (ytd only) | -12.4966% | 6,185 |
| Net charge-offs to loans | 0.1453% | 1,370 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 3,170 |
| Efficiency ratio | 101.0453% | 341 |
| Assets per employee ($millions) | 3.9130% | 4,137 |
| Cash dividends to net income (ytd only)* | -7,533.3333% | 6,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4697% | 186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 19.8364% | 6,270 |
| Net loans and leases to deposits | 24.3973% | 6,271 |
| Net loans and leases to core deposits | 25.6782% | 6,264 |
| Total domestic deposits to total assets | 81.3059% | 4,732 |
| Equity capital to assets | 18.4385% | 297 |
| Core capital (leverage) ratio | 18.0690% | 278 |
| Tier 1 risk-based capital ratio | 20.9080% | 1,441 |
| Total risk-based capital ratio | 21.7210% | 1,496 |
| Memoranda: | ||
| Average total assets | $39,311,000 | 5,974 |
| Average earning assets | $30,881,500 | 6,093 |
| Average equity | $7,330,000 | 5,339 |
| Average total loans | $8,258,000 | 6,274 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7298% | 6,245 |
| Cost of funding earning assets | 0.2531% | 5,290 |
| Net interest margin | 2.4767% | 6,176 |
| Noninterest income to average assets | 1.4050% | 615 |
| Noninterest expense to average assets | 2.7872% | 3,529 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5711% | 4,503 |
| Return on assets (ROA) | 0.5711% | 4,586 |
| Pretax return on assets | 0.5711% | 5,028 |
| Return on Equity (ROE) | 3.0758% | 5,451 |
| Retained earnings to average equity (ytd only) | 1.2521% | 5,218 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9947% | 1,525 |
| Assets per employee ($millions) | 3.9492% | 4,064 |
| Cash dividends to net income (ytd only)* | 59.2920% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3274% | 209 |
| 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 | 20.7460% | 6,359 |
| Net loans and leases to deposits | 25.7035% | 6,353 |
| Net loans and leases to core deposits | 27.2491% | 6,341 |
| Total domestic deposits to total assets | 80.7125% | 4,821 |
| Equity capital to assets | 18.8519% | 270 |
| Core capital (leverage) ratio | 18.8029% | 255 |
| Tier 1 risk-based capital ratio | 36.6604% | 296 |
| Total risk-based capital ratio | 37.9099% | 289 |
| Memoranda: | ||
| Average total assets | $39,573,400 | 6,046 |
| Average earning assets | $31,211,000 | 6,160 |
| Average equity | $7,347,800 | 5,337 |
| Average total loans | $8,633,600 | 6,348 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6839% | 6,340 |
| Cost of funding earning assets | 0.2548% | 5,355 |
| Net interest margin | 2.4291% | 6,278 |
| Noninterest income to average assets | 1.4716% | 580 |
| Noninterest expense to average assets | 2.7546% | 3,622 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6432% | 4,246 |
| Return on assets (ROA) | 0.6432% | 4,342 |
| Pretax return on assets | 0.6432% | 4,899 |
| Return on Equity (ROE) | 3.4773% | 5,372 |
| Retained earnings to average equity (ytd only) | 1.0378% | 5,469 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0704% | 1,748 |
| Assets per employee ($millions) | 3.7624% | 4,367 |
| Cash dividends to net income (ytd only)* | 70.1563% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0362% | 351 |
| 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 | 23.9368% | 6,388 |
| Net loans and leases to deposits | 29.9133% | 6,369 |
| Net loans and leases to core deposits | 31.4258% | 6,372 |
| Total domestic deposits to total assets | 80.0207% | 5,093 |
| Equity capital to assets | 19.6205% | 247 |
| Core capital (leverage) ratio | 19.3840% | 234 |
| Tier 1 risk-based capital ratio | 35.7852% | 332 |
| Total risk-based capital ratio | 37.0363% | 329 |
| Memoranda: | ||
| Average total assets | $39,593,750 | 6,119 |
| Average earning assets | $31,396,000 | 6,231 |
| Average equity | $7,323,500 | 5,384 |
| Average total loans | $8,673,250 | 6,421 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6453% | 6,422 |
| Cost of funding earning assets | 0.2745% | 5,240 |
| Net interest margin | 2.3708% | 6,373 |
| Noninterest income to average assets | 1.3863% | 629 |
| Noninterest expense to average assets | 2.7130% | 3,815 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5615% | 4,539 |
| Return on assets (ROA) | 0.5615% | 4,643 |
| Pretax return on assets | 0.5615% | 5,093 |
| Return on Equity (ROE) | 3.0942% | 5,494 |
| Retained earnings to average equity (ytd only) | -0.5750% | 5,790 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8528% | 1,647 |
| Assets per employee ($millions) | 3.4640% | 4,916 |
| Cash dividends to net income (ytd only)* | 118.5841% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6025% | 232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 19.8037% | 6,510 |
| Net loans and leases to deposits | 24.5734% | 6,508 |
| Net loans and leases to core deposits | 25.5001% | 6,499 |
| Total domestic deposits to total assets | 80.5900% | 5,102 |
| Equity capital to assets | 19.1817% | 252 |
| Core capital (leverage) ratio | 18.2707% | 283 |
| Tier 1 risk-based capital ratio | 36.9601% | 301 |
| Total risk-based capital ratio | 38.2102% | 294 |
| Memoranda: | ||
| Average total assets | $40,250,330 | 6,167 |
| Average earning assets | $32,056,330 | 6,277 |
| Average equity | $7,304,000 | 5,411 |
| Average total loans | $8,468,330 | 6,488 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6902% | 6,471 |
| Cost of funding earning assets | 0.2775% | 5,313 |
| Net interest margin | 2.4127% | 6,411 |
| Noninterest income to average assets | 1.2584% | 697 |
| Noninterest expense to average assets | 2.6522% | 4,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5421% | 4,493 |
| Return on assets (ROA) | 0.5421% | 4,566 |
| Pretax return on assets | 0.5421% | 5,039 |
| Return on Equity (ROE) | 3.0679% | 5,437 |
| Retained earnings to average equity (ytd only) | -4.2731% | 6,080 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0303% | 1,795 |
| Assets per employee ($millions) | 3.6846% | 4,554 |
| Cash dividends to net income (ytd only)* | 239.2857% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2518% | 346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 20.7002% | 6,565 |
| Net loans and leases to deposits | 25.2939% | 6,556 |
| Net loans and leases to core deposits | 26.2351% | 6,551 |
| Total domestic deposits to total assets | 81.8386% | 4,986 |
| Equity capital to assets | 17.9073% | 331 |
| Core capital (leverage) ratio | 17.1883% | 350 |
| Tier 1 risk-based capital ratio | 34.5181% | 366 |
| Total risk-based capital ratio | 35.7713% | 356 |
| Memoranda: | ||
| Average total assets | $41,323,500 | 6,186 |
| Average earning assets | $33,158,000 | 6,308 |
| Average equity | $7,301,500 | 5,444 |
| Average total loans | $8,788,500 | 6,553 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4163% | 6,642 |
| Cost of funding earning assets | 0.3135% | 5,478 |
| Net interest margin | 2.1027% | 6,618 |
| Noninterest income to average assets | 1.2639% | 868 |
| Noninterest expense to average assets | 2.6894% | 4,130 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3112% | 5,484 |
| Return on assets (ROA) | 0.3112% | 5,579 |
| Pretax return on assets | 0.3112% | 5,703 |
| Return on Equity (ROE) | 1.7849% | 5,908 |
| Retained earnings to average equity (ytd only) | 1.7849% | 4,962 |
| Net charge-offs to loans | -0.0112% | 6,035 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6279% | 1,054 |
| Assets per employee ($millions) | 3.8287% | 4,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1668% | 386 |
| Loan loss allowance to noncurrent loans | 352.5000% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 5,738 |
| Noncurrent loans to loans | 0.8984% | 3,741 |
| Net loans and leases to total assets | 20.4744% | 6,661 |
| Net loans and leases to deposits | 24.8939% | 6,656 |
| Net loans and leases to core deposits | 25.8599% | 6,649 |
| Total domestic deposits to total assets | 82.2467% | 4,788 |
| Equity capital to assets | 17.4399% | 363 |
| Core capital (leverage) ratio | 16.9604% | 374 |
| Tier 1 risk-based capital ratio | 32.3732% | 418 |
| Total risk-based capital ratio | 33.6248% | 412 |
| Memoranda: | ||
| Average total assets | $42,091,600 | 6,223 |
| Average earning assets | $34,764,400 | 6,326 |
| Average equity | $7,339,200 | 5,489 |
| Average total loans | $8,914,200 | 6,623 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3838% | 6,733 |
| Cost of funding earning assets | 0.3204% | 5,550 |
| Net interest margin | 2.0634% | 6,709 |
| Noninterest income to average assets | 1.3274% | 842 |
| Noninterest expense to average assets | 2.6295% | 4,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4119% | 5,203 |
| Return on assets (ROA) | 0.4119% | 5,338 |
| Pretax return on assets | 0.4119% | 5,596 |
| Return on Equity (ROE) | 2.3622% | 5,834 |
| Retained earnings to average equity (ytd only) | 2.3622% | 4,915 |
| Net charge-offs to loans | -0.0149% | 5,977 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4583% | 1,324 |
| Assets per employee ($millions) | 3.7909% | 4,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0417% | 525 |
| Loan loss allowance to noncurrent loans | 348.1481% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 5,857 |
| Noncurrent loans to loans | 0.8737% | 4,070 |
| Net loans and leases to total assets | 21.5564% | 6,726 |
| Net loans and leases to deposits | 26.2852% | 6,721 |
| Net loans and leases to core deposits | 28.0346% | 6,710 |
| Total domestic deposits to total assets | 82.0096% | 4,926 |
| Equity capital to assets | 17.6307% | 359 |
| Core capital (leverage) ratio | 17.8352% | 313 |
| Tier 1 risk-based capital ratio | 32.1164% | 438 |
| Total risk-based capital ratio | 33.3583% | 432 |
| Memoranda: | ||
| Average total assets | $42,085,500 | 6,297 |
| Average earning assets | $34,957,500 | 6,390 |
| Average equity | $7,337,750 | 5,551 |
| Average total loans | $8,916,500 | 6,698 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3585% | 6,784 |
| Cost of funding earning assets | 0.3247% | 5,615 |
| Net interest margin | 2.0338% | 6,751 |
| Noninterest income to average assets | 1.2223% | 1,035 |
| Noninterest expense to average assets | 2.6674% | 4,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2464% | 5,785 |
| Return on assets (ROA) | 0.2464% | 5,910 |
| Pretax return on assets | 0.2464% | 6,010 |
| Return on Equity (ROE) | 1.4182% | 6,114 |
| Retained earnings to average equity (ytd only) | 1.4182% | 5,314 |
| Net charge-offs to loans | -0.0227% | 6,007 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5447% | 930 |
| Assets per employee ($millions) | 3.6223% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1030% | 527 |
| Loan loss allowance to noncurrent loans | 208.8889% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 5,464 |
| Noncurrent loans to loans | 1.4855% | 3,081 |
| Net loans and leases to total assets | 22.1006% | 6,760 |
| Net loans and leases to deposits | 27.1958% | 6,747 |
| Net loans and leases to core deposits | 28.5686% | 6,743 |
| Total domestic deposits to total assets | 81.2649% | 5,271 |
| Equity capital to assets | 18.2959% | 302 |
| Core capital (leverage) ratio | 17.3696% | 333 |
| Tier 1 risk-based capital ratio | 34.1846% | 363 |
| Total risk-based capital ratio | 35.4354% | 355 |
| Memoranda: | ||
| Average total assets | $42,214,000 | 6,339 |
| Average earning assets | $35,107,330 | 6,430 |
| Average equity | $7,333,000 | 5,596 |
| Average total loans | $8,798,330 | 6,749 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2638% | 6,877 |
| Cost of funding earning assets | 0.3329% | 5,687 |
| Net interest margin | 1.9309% | 6,868 |
| Noninterest income to average assets | 1.0692% | 1,304 |
| Noninterest expense to average assets | 2.6268% | 4,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0461% | 6,261 |
| Return on assets (ROA) | 0.0461% | 6,346 |
| Pretax return on assets | 0.0461% | 6,344 |
| Return on Equity (ROE) | 0.2719% | 6,380 |
| Retained earnings to average equity (ytd only) | 0.2719% | 5,700 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2759% | 624 |
| Assets per employee ($millions) | 3.8788% | 4,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5204% | 410 |
| Loan loss allowance to noncurrent loans | 334.5238% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 5,982 |
| Noncurrent loans to loans | 1.0524% | 4,036 |
| Net loans and leases to total assets | 18.0491% | 6,888 |
| Net loans and leases to deposits | 21.8487% | 6,888 |
| Net loans and leases to core deposits | 23.7005% | 6,872 |
| Total domestic deposits to total assets | 82.6095% | 4,986 |
| Equity capital to assets | 17.2053% | 409 |
| Core capital (leverage) ratio | 16.3284% | 420 |
| Tier 1 risk-based capital ratio | 38.0629% | 267 |
| Total risk-based capital ratio | 39.3161% | 265 |
| Memoranda: | ||
| Average total assets | $43,398,500 | 6,365 |
| Average earning assets | $36,046,000 | 6,468 |
| Average equity | $7,354,500 | 5,648 |
| Average total loans | $8,653,500 | 6,827 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5225% | 6,932 |
| Cost of funding earning assets | 0.4016% | 5,910 |
| Net interest margin | 2.1209% | 6,895 |
| Noninterest income to average assets | 1.3123% | 893 |
| Noninterest expense to average assets | 2.7113% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3585% | 5,258 |
| Return on assets (ROA) | 0.3585% | 5,484 |
| Pretax return on assets | 0.3585% | 5,688 |
| Return on Equity (ROE) | 2.0401% | 5,888 |
| Retained earnings to average equity (ytd only) | -1.7468% | 6,126 |
| Net charge-offs to loans | 0.1224% | 4,454 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 15.3000% | 1,661 |
| Efficiency ratio | 88.3206% | 1,216 |
| Assets per employee ($millions) | 3.6775% | 4,608 |
| Cash dividends to net income (ytd only)* | 185.6209% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0134% | 653 |
| Loan loss allowance to noncurrent loans | 322.9885% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 6,068 |
| Noncurrent loans to loans | 0.9330% | 4,327 |
| Net loans and leases to total assets | 20.4940% | 6,921 |
| Net loans and leases to deposits | 24.6666% | 6,917 |
| Net loans and leases to core deposits | 27.4119% | 6,895 |
| Total domestic deposits to total assets | 83.0841% | 4,686 |
| Equity capital to assets | 16.6961% | 452 |
| Core capital (leverage) ratio | 16.2426% | 423 |
| Tier 1 risk-based capital ratio | 36.0258% | 314 |
| Total risk-based capital ratio | 37.2781% | 306 |
| Memoranda: | ||
| Average total assets | $42,673,000 | 6,407 |
| Average earning assets | $35,362,200 | 6,521 |
| Average equity | $7,499,600 | 5,640 |
| Average total loans | $8,167,000 | 6,911 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5086% | 7,048 |
| Cost of funding earning assets | 0.4187% | 5,999 |
| Net interest margin | 2.0899% | 7,014 |
| Noninterest income to average assets | 1.3898% | 774 |
| Noninterest expense to average assets | 2.6440% | 4,593 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4759% | 4,926 |
| Return on assets (ROA) | 0.4759% | 5,193 |
| Pretax return on assets | 0.4759% | 5,528 |
| Return on Equity (ROE) | 2.6728% | 5,808 |
| Retained earnings to average equity (ytd only) | 0.3010% | 5,993 |
| Net charge-offs to loans | 0.1523% | 3,894 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 16.7775% | 1,660 |
| Efficiency ratio | 84.7475% | 1,503 |
| Assets per employee ($millions) | 3.4443% | 5,103 |
| Cash dividends to net income (ytd only)* | 88.7399% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3720% | 520 |
| Loan loss allowance to noncurrent loans | 327.9070% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 6,192 |
| Noncurrent loans to loans | 1.0283% | 4,394 |
| Net loans and leases to total assets | 19.5519% | 7,035 |
| Net loans and leases to deposits | 23.9992% | 7,039 |
| Net loans and leases to core deposits | 26.2149% | 7,017 |
| Total domestic deposits to total assets | 81.4691% | 5,201 |
| Equity capital to assets | 18.2672% | 343 |
| Core capital (leverage) ratio | 17.5055% | 332 |
| Tier 1 risk-based capital ratio | 39.2600% | 258 |
| Total risk-based capital ratio | 40.5112% | 252 |
| Memoranda: | ||
| Average total assets | $42,308,750 | 6,493 |
| Average earning assets | $35,024,500 | 6,615 |
| Average equity | $7,532,500 | 5,686 |
| Average total loans | $7,877,500 | 7,012 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4630% | 7,128 |
| Cost of funding earning assets | 0.4396% | 6,038 |
| Net interest margin | 2.0234% | 7,100 |
| Noninterest income to average assets | 1.4401% | 700 |
| Noninterest expense to average assets | 2.6223% | 4,702 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5019% | 4,812 |
| Return on assets (ROA) | 0.5019% | 5,065 |
| Pretax return on assets | 0.5019% | 5,431 |
| Return on Equity (ROE) | 2.8432% | 5,749 |
| Retained earnings to average equity (ytd only) | -0.7174% | 6,165 |
| Net charge-offs to loans | 0.2074% | 3,328 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 13.3750% | 1,797 |
| Efficiency ratio | 83.9339% | 1,643 |
| Assets per employee ($millions) | 3.4699% | 5,049 |
| Cash dividends to net income (ytd only)* | 125.2336% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4014% | 539 |
| Loan loss allowance to noncurrent loans | 325.2874% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 6,260 |
| Noncurrent loans to loans | 1.0457% | 4,426 |
| Net loans and leases to total assets | 19.3016% | 7,091 |
| Net loans and leases to deposits | 23.6424% | 7,092 |
| Net loans and leases to core deposits | 26.3733% | 7,078 |
| Total domestic deposits to total assets | 81.6398% | 5,251 |
| Equity capital to assets | 17.9927% | 343 |
| Core capital (leverage) ratio | 17.1367% | 351 |
| Tier 1 risk-based capital ratio | 43.9067% | 181 |
| Total risk-based capital ratio | 45.1634% | 180 |
| Memoranda: | ||
| Average total assets | $42,634,670 | 6,524 |
| Average earning assets | $35,485,670 | 6,641 |
| Average equity | $7,526,670 | 5,703 |
| Average total loans | $7,715,670 | 7,081 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4328% | 7,187 |
| Cost of funding earning assets | 0.4666% | 6,042 |
| Net interest margin | 1.9662% | 7,175 |
| Noninterest income to average assets | 1.6693% | 531 |
| Noninterest expense to average assets | 2.5317% | 5,057 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7790% | 3,480 |
| Return on assets (ROA) | 0.7790% | 3,720 |
| Pretax return on assets | 0.7790% | 4,493 |
| Return on Equity (ROE) | 4.4539% | 5,066 |
| Retained earnings to average equity (ytd only) | -2.6511% | 6,355 |
| Net charge-offs to loans | 0.4316% | 2,019 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 1,748 |
| Efficiency ratio | 76.4706% | 2,719 |
| Assets per employee ($millions) | 3.5293% | 5,052 |
| Cash dividends to net income (ytd only)* | 159.5238% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9553% | 382 |
| Loan loss allowance to noncurrent loans | 212.7820% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 6,106 |
| Noncurrent loans to loans | 1.8588% | 3,332 |
| Net loans and leases to total assets | 16.2259% | 7,188 |
| Net loans and leases to deposits | 19.7784% | 7,194 |
| Net loans and leases to core deposits | 22.0837% | 7,178 |
| Total domestic deposits to total assets | 82.0386% | 5,283 |
| Equity capital to assets | 17.7158% | 360 |
| Core capital (leverage) ratio | 16.6334% | 399 |
| Tier 1 risk-based capital ratio | 47.5703% | 139 |
| Total risk-based capital ratio | 48.8245% | 140 |
| Memoranda: | ||
| Average total assets | $43,132,500 | 6,555 |
| Average earning assets | $36,008,500 | 6,673 |
| Average equity | $7,544,000 | 5,724 |
| Average total loans | $7,413,500 | 7,150 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9030% | 7,199 |
| Cost of funding earning assets | 0.6094% | 6,050 |
| Net interest margin | 2.2935% | 7,145 |
| Noninterest income to average assets | 1.3249% | 736 |
| Noninterest expense to average assets | 2.8930% | 3,985 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3258% | 5,165 |
| Return on assets (ROA) | 0.3258% | 5,318 |
| Pretax return on assets | 0.3258% | 5,493 |
| Return on Equity (ROE) | 1.7431% | 5,754 |
| Retained earnings to average equity (ytd only) | -1.7040% | 6,118 |
| Net charge-offs to loans | -0.0260% | 6,988 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8792% | 1,201 |
| Assets per employee ($millions) | 3.3779% | 5,305 |
| Cash dividends to net income (ytd only)* | 197.7612% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7930% | 438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 16.8082% | 7,242 |
| Net loans and leases to deposits | 20.3833% | 7,249 |
| Net loans and leases to core deposits | 23.4340% | 7,221 |
| Total domestic deposits to total assets | 82.4608% | 4,979 |
| Equity capital to assets | 17.2728% | 416 |
| Core capital (leverage) ratio | 16.6154% | 402 |
| Tier 1 risk-based capital ratio | 44.2604% | 174 |
| Total risk-based capital ratio | 45.5163% | 172 |
| Memoranda: | ||
| Average total assets | $41,133,800 | 6,630 |
| Average earning assets | $33,965,200 | 6,754 |
| Average equity | $7,687,600 | 5,668 |
| Average total loans | $7,696,600 | 7,193 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9892% | 7,262 |
| Cost of funding earning assets | 0.6451% | 6,055 |
| Net interest margin | 2.3441% | 7,199 |
| Noninterest income to average assets | 1.4145% | 656 |
| Noninterest expense to average assets | 2.8223% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5209% | 4,453 |
| Return on assets (ROA) | 0.5209% | 4,638 |
| Pretax return on assets | 0.5209% | 5,083 |
| Return on Equity (ROE) | 2.7311% | 5,530 |
| Retained earnings to average equity (ytd only) | -1.8495% | 6,281 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4181% | 1,694 |
| Assets per employee ($millions) | 3.1775% | 5,731 |
| Cash dividends to net income (ytd only)* | 167.7205% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5781% | 531 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 18.8539% | 7,296 |
| Net loans and leases to deposits | 23.2443% | 7,296 |
| Net loans and leases to core deposits | 27.1643% | 7,265 |
| Total domestic deposits to total assets | 81.1122% | 5,395 |
| Equity capital to assets | 18.6119% | 341 |
| Core capital (leverage) ratio | 17.8084% | 337 |
| Tier 1 risk-based capital ratio | 41.5111% | 221 |
| Total risk-based capital ratio | 42.7648% | 219 |
| Memoranda: | ||
| Average total assets | $40,439,000 | 6,715 |
| Average earning assets | $33,274,500 | 6,836 |
| Average equity | $7,713,250 | 5,692 |
| Average total loans | $7,702,750 | 7,267 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9781% | 7,342 |
| Cost of funding earning assets | 0.6915% | 6,011 |
| Net interest margin | 2.2867% | 7,283 |
| Noninterest income to average assets | 1.4595% | 598 |
| Noninterest expense to average assets | 2.8892% | 4,065 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4483% | 4,729 |
| Return on assets (ROA) | 0.4483% | 4,865 |
| Pretax return on assets | 0.4483% | 5,238 |
| Return on Equity (ROE) | 2.3311% | 5,667 |
| Retained earnings to average equity (ytd only) | -4.5327% | 6,527 |
| Net charge-offs to loans | 0.0264% | 5,454 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 396 |
| Efficiency ratio | 86.5672% | 1,543 |
| Assets per employee ($millions) | 2.9930% | 6,104 |
| Cash dividends to net income (ytd only)* | 294.4444% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4837% | 602 |
| Loan loss allowance to noncurrent loans | 293.8776% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 6,500 |
| Noncurrent loans to loans | 1.1854% | 4,673 |
| Net loans and leases to total assets | 20.5068% | 7,361 |
| Net loans and leases to deposits | 25.6230% | 7,354 |
| Net loans and leases to core deposits | 29.4961% | 7,324 |
| Total domestic deposits to total assets | 80.0329% | 5,814 |
| Equity capital to assets | 19.6638% | 281 |
| Core capital (leverage) ratio | 17.9580% | 332 |
| Tier 1 risk-based capital ratio | 42.5719% | 204 |
| Total risk-based capital ratio | 43.8285% | 204 |
| Memoranda: | ||
| Average total assets | $40,149,670 | 6,783 |
| Average earning assets | $32,974,000 | 6,906 |
| Average equity | $7,721,670 | 5,695 |
| Average total loans | $7,578,000 | 7,342 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8294% | 7,439 |
| Cost of funding earning assets | 0.7044% | 6,103 |
| Net interest margin | 2.1251% | 7,383 |
| Noninterest income to average assets | 1.5502% | 543 |
| Noninterest expense to average assets | 2.5215% | 5,478 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7751% | 3,142 |
| Return on assets (ROA) | 0.7751% | 3,216 |
| Pretax return on assets | 0.7751% | 3,990 |
| Return on Equity (ROE) | 4.0737% | 4,858 |
| Retained earnings to average equity (ytd only) | -9.5913% | 6,846 |
| Net charge-offs to loans | 0.0553% | 4,381 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 393 |
| Efficiency ratio | 76.4881% | 3,075 |
| Assets per employee ($millions) | 3.1078% | 5,934 |
| Cash dividends to net income (ytd only)* | 335.4430% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1903% | 373 |
| Loan loss allowance to noncurrent loans | 612.7660% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 6,877 |
| Noncurrent loans to loans | 0.6838% | 5,656 |
| Net loans and leases to total assets | 16.2991% | 7,466 |
| Net loans and leases to deposits | 20.1975% | 7,466 |
| Net loans and leases to core deposits | 23.9629% | 7,441 |
| Total domestic deposits to total assets | 80.6985% | 5,746 |
| Equity capital to assets | 18.9228% | 311 |
| Core capital (leverage) ratio | 17.3016% | 372 |
| Tier 1 risk-based capital ratio | 44.4083% | 181 |
| Total risk-based capital ratio | 45.6659% | 180 |
| Memoranda: | ||
| Average total assets | $40,770,000 | 6,808 |
| Average earning assets | $33,505,000 | 6,936 |
| Average equity | $7,757,000 | 5,691 |
| Average total loans | $7,233,500 | 7,409 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9154% | 7,189 |
| Cost of funding earning assets | 0.9701% | 5,840 |
| Net interest margin | 2.9452% | 6,829 |
| Noninterest income to average assets | 1.3674% | 782 |
| Noninterest expense to average assets | 3.2612% | 2,863 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5109% | 4,048 |
| Return on assets (ROA) | 0.8979% | 2,527 |
| Pretax return on assets | 0.8979% | 3,297 |
| Return on Equity (ROE) | 4.4041% | 4,343 |
| Retained earnings to average equity (ytd only) | 2.9487% | 3,797 |
| Net charge-offs to loans | 0.0127% | 6,704 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 198.0000% | 126 |
| Efficiency ratio | 86.4569% | 1,642 |
| Assets per employee ($millions) | 3.1645% | 5,744 |
| Cash dividends to net income (ytd only)* | 33.0460% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8056% | 470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 17.7569% | 7,540 |
| Net loans and leases to deposits | 22.0722% | 7,543 |
| Net loans and leases to core deposits | 26.8803% | 7,507 |
| Total domestic deposits to total assets | 80.4492% | 5,703 |
| Equity capital to assets | 19.1278% | 312 |
| Core capital (leverage) ratio | 17.9416% | 333 |
| Tier 1 risk-based capital ratio | 43.5404% | 185 |
| Total risk-based capital ratio | 44.7948% | 186 |
| Memoranda: | ||
| Average total assets | $38,758,600 | 6,909 |
| Average earning assets | $31,644,600 | 7,032 |
| Average equity | $7,901,800 | 5,748 |
| Average total loans | $7,882,400 | 7,472 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1662% | 7,134 |
| Cost of funding earning assets | 1.0319% | 5,787 |
| Net interest margin | 3.1343% | 6,523 |
| Noninterest income to average assets | 1.4988% | 609 |
| Noninterest expense to average assets | 3.1268% | 3,204 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9293% | 2,495 |
| Return on assets (ROA) | 1.4534% | 1,089 |
| Pretax return on assets | 1.4534% | 1,739 |
| Return on Equity (ROE) | 7.0120% | 3,340 |
| Retained earnings to average equity (ytd only) | 5.0736% | 2,933 |
| Net charge-offs to loans | 0.0167% | 6,447 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 266.6617% | 124 |
| Efficiency ratio | 77.0887% | 2,755 |
| Assets per employee ($millions) | 2.9425% | 6,280 |
| Cash dividends to net income (ytd only)* | 27.6445% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2787% | 652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 22.2106% | 7,594 |
| Net loans and leases to deposits | 28.2297% | 7,592 |
| Net loans and leases to core deposits | 33.4910% | 7,541 |
| Total domestic deposits to total assets | 78.6782% | 6,095 |
| Equity capital to assets | 21.0028% | 233 |
| Core capital (leverage) ratio | 19.4939% | 268 |
| Tier 1 risk-based capital ratio | 42.7342% | 205 |
| Total risk-based capital ratio | 43.9884% | 204 |
| Memoranda: | ||
| Average total assets | $38,163,500 | 7,013 |
| Average earning assets | $31,138,500 | 7,132 |
| Average equity | $7,910,000 | 5,821 |
| Average total loans | $7,954,500 | 7,567 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4115% | 6,879 |
| Cost of funding earning assets | 1.1093% | 5,622 |
| Net interest margin | 3.3022% | 6,012 |
| Noninterest income to average assets | 1.5367% | 544 |
| Noninterest expense to average assets | 3.0471% | 3,529 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1748% | 1,629 |
| Return on assets (ROA) | 1.1748% | 1,694 |
| Pretax return on assets | 1.1748% | 2,497 |
| Return on Equity (ROE) | 5.6935% | 3,946 |
| Retained earnings to average equity (ytd only) | 2.7705% | 4,370 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1739% | 3,786 |
| Assets per employee ($millions) | 3.1894% | 5,708 |
| Cash dividends to net income (ytd only)* | 51.3393% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4849% | 549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 20.9129% | 7,675 |
| Net loans and leases to deposits | 26.5182% | 7,683 |
| Net loans and leases to core deposits | 30.9848% | 7,645 |
| Total domestic deposits to total assets | 78.8624% | 6,075 |
| Equity capital to assets | 20.6020% | 254 |
| Core capital (leverage) ratio | 18.4982% | 326 |
| Tier 1 risk-based capital ratio | 42.4306% | 211 |
| Total risk-based capital ratio | 43.6854% | 208 |
| Memoranda: | ||
| Average total assets | $38,134,000 | 7,068 |
| Average earning assets | $31,010,000 | 7,187 |
| Average equity | $7,868,670 | 5,850 |
| Average total loans | $7,678,000 | 7,637 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0024% | 7,451 |
| Cost of funding earning assets | 1.1176% | 5,816 |
| Net interest margin | 2.8848% | 7,040 |
| Noninterest income to average assets | 1.6183% | 476 |
| Noninterest expense to average assets | 3.0685% | 3,398 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8827% | 2,622 |
| Return on assets (ROA) | 0.8827% | 2,695 |
| Pretax return on assets | 0.8827% | 3,528 |
| Return on Equity (ROE) | 4.2745% | 4,769 |
| Retained earnings to average equity (ytd only) | 4.2745% | 3,581 |
| Net charge-offs to loans | 0.0543% | 4,862 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 377 |
| Efficiency ratio | 77.6596% | 2,951 |
| Assets per employee ($millions) | 2.9405% | 6,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9301% | 402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 18.4163% | 7,805 |
| Net loans and leases to deposits | 23.4526% | 7,810 |
| Net loans and leases to core deposits | 27.0738% | 7,777 |
| Total domestic deposits to total assets | 78.5256% | 6,200 |
| Equity capital to assets | 20.6843% | 254 |
| Core capital (leverage) ratio | 18.8174% | 318 |
| Tier 1 risk-based capital ratio | 44.2997% | 197 |
| Total risk-based capital ratio | 45.5536% | 197 |
| Memoranda: | ||
| Average total assets | $38,064,500 | 7,158 |
| Average earning assets | $30,781,500 | 7,287 |
| Average equity | $7,860,500 | 5,891 |
| Average total loans | $7,370,500 | 7,747 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7441% | 7,065 |
| Cost of funding earning assets | 1.2858% | 6,356 |
| Net interest margin | 3.4582% | 5,134 |
| Noninterest income to average assets | 1.4283% | 720 |
| Noninterest expense to average assets | 3.4132% | 2,631 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8767% | 2,259 |
| Return on assets (ROA) | 0.8767% | 2,321 |
| Pretax return on assets | 0.8767% | 2,995 |
| Return on Equity (ROE) | 4.2520% | 3,984 |
| Retained earnings to average equity (ytd only) | -0.9463% | 5,240 |
| Net charge-offs to loans | 0.0146% | 7,016 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 337.0000% | 87 |
| Efficiency ratio | 79.5634% | 2,946 |
| Assets per employee ($millions) | 2.9155% | 6,423 |
| Cash dividends to net income (ytd only)* | 122.2552% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8986% | 383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 18.7958% | 7,874 |
| Net loans and leases to deposits | 23.8349% | 7,884 |
| Net loans and leases to core deposits | 38.7448% | 7,779 |
| Total domestic deposits to total assets | 78.8586% | 6,018 |
| Equity capital to assets | 20.6163% | 268 |
| Core capital (leverage) ratio | 18.6903% | 353 |
| Tier 1 risk-based capital ratio | 42.2937% | 219 |
| Total risk-based capital ratio | 43.5340% | 211 |
| Memoranda: | ||
| Average total assets | $38,438,600 | 7,153 |
| Average earning assets | $31,808,000 | 7,273 |
| Average equity | $7,925,600 | 5,949 |
| Average total loans | $6,864,600 | 7,833 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 6,996 |
| Cost of funding earning assets | 1.3248% | 6,475 |
| Net interest margin | 3.5315% | 4,738 |
| Noninterest income to average assets | 1.4207% | 744 |
| Noninterest expense to average assets | 3.3114% | 2,871 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0577% | 1,871 |
| Return on assets (ROA) | 1.0577% | 1,932 |
| Pretax return on assets | 1.0577% | 2,711 |
| Return on Equity (ROE) | 5.1297% | 3,909 |
| Retained earnings to average equity (ytd only) | 1.4249% | 4,518 |
| Net charge-offs to loans | 0.0198% | 6,629 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 306.7594% | 120 |
| Efficiency ratio | 75.7911% | 3,548 |
| Assets per employee ($millions) | 2.6404% | 6,963 |
| Cash dividends to net income (ytd only)* | 72.2224% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9186% | 315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 19.1695% | 7,957 |
| Net loans and leases to deposits | 24.6658% | 7,963 |
| Net loans and leases to core deposits | 38.0845% | 7,875 |
| Total domestic deposits to total assets | 77.7168% | 6,167 |
| Equity capital to assets | 21.7530% | 256 |
| Core capital (leverage) ratio | 19.7153% | 331 |
| Tier 1 risk-based capital ratio | 44.2326% | 218 |
| Total risk-based capital ratio | 45.4895% | 216 |
| Memoranda: | ||
| Average total assets | $38,572,750 | 7,215 |
| Average earning assets | $32,204,500 | 7,318 |
| Average equity | $7,953,500 | 5,995 |
| Average total loans | $6,727,500 | 7,911 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9733% | 6,860 |
| Cost of funding earning assets | 1.3932% | 6,504 |
| Net interest margin | 3.5800% | 4,448 |
| Noninterest income to average assets | 1.5393% | 631 |
| Noninterest expense to average assets | 3.5747% | 2,142 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9870% | 2,155 |
| Return on assets (ROA) | 0.9870% | 2,254 |
| Pretax return on assets | 0.9870% | 3,059 |
| Return on Equity (ROE) | 4.8711% | 4,133 |
| Retained earnings to average equity (ytd only) | -0.7067% | 5,401 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3632% | 3,294 |
| Assets per employee ($millions) | 2.6420% | 6,972 |
| Cash dividends to net income (ytd only)* | 114.5078% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1258% | 234 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 18.2194% | 8,050 |
| Net loans and leases to deposits | 23.2925% | 8,054 |
| Net loans and leases to core deposits | 35.7393% | 7,982 |
| Total domestic deposits to total assets | 78.2200% | 6,016 |
| Equity capital to assets | 21.1014% | 325 |
| Core capital (leverage) ratio | 18.6810% | 443 |
| Tier 1 risk-based capital ratio | 44.1323% | 233 |
| Total risk-based capital ratio | 45.3875% | 233 |
| Memoranda: | ||
| Average total assets | $39,108,670 | 7,253 |
| Average earning assets | $33,016,330 | 7,357 |
| Average equity | $7,924,330 | 6,049 |
| Average total loans | $6,511,670 | 8,008 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1431% | 6,512 |
| Cost of funding earning assets | 1.4016% | 6,729 |
| Net interest margin | 3.7415% | 3,701 |
| Noninterest income to average assets | 1.4837% | 640 |
| Noninterest expense to average assets | 3.6645% | 1,721 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0356% | 2,177 |
| Return on assets (ROA) | 1.0356% | 2,311 |
| Pretax return on assets | 1.0356% | 3,223 |
| Return on Equity (ROE) | 5.2104% | 4,379 |
| Retained earnings to average equity (ytd only) | 5.2104% | 3,011 |
| Net charge-offs to loans | -0.0640% | 7,773 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9661% | 3,168 |
| Assets per employee ($millions) | 2.8069% | 6,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8187% | 118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 14.6274% | 8,135 |
| Net loans and leases to deposits | 18.5581% | 8,139 |
| Net loans and leases to core deposits | 28.8670% | 8,094 |
| Total domestic deposits to total assets | 78.8197% | 5,785 |
| Equity capital to assets | 20.6102% | 382 |
| Core capital (leverage) ratio | 18.2880% | 522 |
| Tier 1 risk-based capital ratio | 49.6032% | 215 |
| Total risk-based capital ratio | 50.8609% | 208 |
| Memoranda: | ||
| Average total assets | $40,169,000 | 7,243 |
| Average earning assets | $34,532,000 | 7,329 |
| Average equity | $7,984,000 | 6,069 |
| Average total loans | $6,253,000 | 8,071 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4103% | 7,446 |
| Cost of funding earning assets | 2.0996% | 6,054 |
| Net interest margin | 3.3107% | 5,999 |
| Noninterest income to average assets | 1.5021% | 618 |
| Noninterest expense to average assets | 2.6053% | 5,630 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.9798% | 372 |
| Return on assets (ROA) | 1.9798% | 353 |
| Pretax return on assets | 1.9798% | 639 |
| Return on Equity (ROE) | 10.6391% | 2,034 |
| Retained earnings to average equity (ytd only) | 4.2742% | 2,463 |
| Net charge-offs to loans | 0.0354% | 6,309 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 402.0000% | 126 |
| Efficiency ratio | 56.8206% | 6,892 |
| Assets per employee ($millions) | 2.9316% | 6,218 |
| Cash dividends to net income (ytd only)* | 59.8259% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4843% | 135 |
| Loan loss allowance to noncurrent loans | 5,800.0000% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 7,571 |
| Noncurrent loans to loans | 0.0773% | 7,192 |
| Net loans and leases to total assets | 15.0504% | 8,187 |
| Net loans and leases to deposits | 18.7369% | 8,200 |
| Net loans and leases to core deposits | 28.8712% | 8,158 |
| Total domestic deposits to total assets | 80.3250% | 4,900 |
| Equity capital to assets | 19.1730% | 529 |
| Core capital (leverage) ratio | 18.1748% | 588 |
| Tier 1 risk-based capital ratio | 43.6277% | 278 |
| Total risk-based capital ratio | 44.8818% | 278 |
| Memoranda: | ||
| Average total assets | $40,609,400 | 7,186 |
| Average earning assets | $37,817,000 | 7,154 |
| Average equity | $7,557,000 | 6,254 |
| Average total loans | $5,655,200 | 8,138 |