Home > The Exchange State Bank > Performance and Condition Ratios
The Exchange State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4289% | 2,242 |
| Cost of funding earning assets | 1.8710% | 2,261 |
| Net interest margin | 3.5579% | 2,163 |
| Noninterest income to average assets | 0.3500% | 2,536 |
| Noninterest expense to average assets | 2.8225% | 1,475 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.8276% | 2,772 |
| Return on assets (ROA) | 0.8276% | 2,775 |
| Pretax return on assets | 0.9532% | 2,843 |
| Return on Equity (ROE) | 11.2400% | 1,954 |
| Retained earnings to average equity (ytd only) | -1.8072% | 3,897 |
| Net charge-offs to loans | -0.0251% | 4,149 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 74.7554% | 1,363 |
| Assets per employee ($millions) | 5.9684% | 2,957 |
| Cash dividends to net income (ytd only)* | 116.0714% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 1,972 |
| Loan loss allowance to noncurrent loans | 260.8108% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.2755% | 2,174 |
| Noncurrent loans to loans | 0.4757% | 1,924 |
| Net loans and leases to total assets | 57.2000% | 3,113 |
| Net loans and leases to deposits | 62.4746% | 3,353 |
| Net loans and leases to core deposits | 65.4378% | 3,492 |
| Total domestic deposits to total assets | 91.5600% | 379 |
| Equity capital to assets | 7.5545% | 3,821 |
| Core capital (leverage) ratio | 8.6408% | 4,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9922% | 2,685 |
| Memoranda: | ||
| Average total assets | $54,135,500 | 4,184 |
| Average earning assets | $52,165,000 | 4,143 |
| Average equity | $3,984,000 | 4,300 |
| Average total loans | $31,819,500 | 4,064 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0097% | 3,089 |
| Cost of funding earning assets | 2.0541% | 2,093 |
| Net interest margin | 2.9556% | 3,221 |
| Noninterest income to average assets | 0.1800% | 3,818 |
| Noninterest expense to average assets | 2.5363% | 2,199 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.3590% | 3,751 |
| Return on assets (ROA) | 0.3590% | 3,778 |
| Pretax return on assets | 0.4703% | 3,706 |
| Return on Equity (ROE) | 5.3500% | 3,428 |
| Retained earnings to average equity (ytd only) | -1.3373% | 4,117 |
| Net charge-offs to loans | -0.0875% | 4,416 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 84.3582% | 771 |
| Assets per employee ($millions) | 6.0617% | 2,836 |
| Cash dividends to net income (ytd only)* | 125.0000% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 2,209 |
| Loan loss allowance to noncurrent loans | 66.3248% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 1.0723% | 609 |
| Noncurrent loans to loans | 1.7985% | 468 |
| Net loans and leases to total assets | 58.9100% | 3,029 |
| Net loans and leases to deposits | 68.1409% | 3,072 |
| Net loans and leases to core deposits | 69.5972% | 3,377 |
| Total domestic deposits to total assets | 86.4600% | 2,057 |
| Equity capital to assets | 7.1671% | 3,907 |
| Core capital (leverage) ratio | 8.5363% | 4,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8045% | 2,579 |
| Memoranda: | ||
| Average total assets | $55,710,600 | 4,176 |
| Average earning assets | $53,356,400 | 4,144 |
| Average equity | $3,739,000 | 4,321 |
| Average total loans | $32,007,000 | 4,067 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9501% | 3,113 |
| Cost of funding earning assets | 2.0378% | 2,114 |
| Net interest margin | 2.9122% | 3,272 |
| Noninterest income to average assets | 0.1800% | 3,801 |
| Noninterest expense to average assets | 2.5357% | 2,140 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.3214% | 3,827 |
| Return on assets (ROA) | 0.3214% | 3,857 |
| Pretax return on assets | 0.4238% | 3,773 |
| Return on Equity (ROE) | 4.8700% | 3,565 |
| Retained earnings to average equity (ytd only) | -4.1482% | 4,307 |
| Net charge-offs to loans | -0.1087% | 4,451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 85.6798% | 725 |
| Assets per employee ($millions) | 6.2710% | 2,683 |
| Cash dividends to net income (ytd only)* | 185.1852% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 2,412 |
| Loan loss allowance to noncurrent loans | 65.8120% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.0365% | 638 |
| Noncurrent loans to loans | 1.7659% | 483 |
| Net loans and leases to total assets | 58.0100% | 3,095 |
| Net loans and leases to deposits | 70.7859% | 2,920 |
| Net loans and leases to core deposits | 71.9146% | 3,298 |
| Total domestic deposits to total assets | 81.9600% | 3,118 |
| Equity capital to assets | 7.1245% | 4,101 |
| Core capital (leverage) ratio | 8.2238% | 4,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8040% | 2,601 |
| Memoranda: | ||
| Average total assets | $55,999,500 | 4,197 |
| Average earning assets | $53,519,750 | 4,162 |
| Average equity | $3,696,250 | 4,348 |
| Average total loans | $31,876,750 | 4,082 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9531% | 3,029 |
| Cost of funding earning assets | 1.9183% | 2,306 |
| Net interest margin | 3.0348% | 2,983 |
| Noninterest income to average assets | 0.1800% | 3,804 |
| Noninterest expense to average assets | 2.5495% | 2,093 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.3903% | 3,682 |
| Return on assets (ROA) | 0.3903% | 3,723 |
| Pretax return on assets | 0.5300% | 3,577 |
| Return on Equity (ROE) | 6.0800% | 3,261 |
| Retained earnings to average equity (ytd only) | -5.0725% | 4,316 |
| Net charge-offs to loans | -0.1526% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 82.7907% | 937 |
| Assets per employee ($millions) | 6.2561% | 2,595 |
| Cash dividends to net income (ytd only)* | 183.4862% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 2,809 |
| Loan loss allowance to noncurrent loans | 638.1818% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 2,979 |
| Noncurrent loans to loans | 0.1718% | 2,818 |
| Net loans and leases to total assets | 56.2200% | 3,246 |
| Net loans and leases to deposits | 64.5520% | 3,329 |
| Net loans and leases to core deposits | 65.5098% | 3,564 |
| Total domestic deposits to total assets | 87.0900% | 1,618 |
| Equity capital to assets | 6.4879% | 4,115 |
| Core capital (leverage) ratio | 8.5200% | 4,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4834% | 2,695 |
| Memoranda: | ||
| Average total assets | $55,853,000 | 4,217 |
| Average earning assets | $53,380,333 | 4,182 |
| Average equity | $3,588,000 | 4,367 |
| Average total loans | $31,460,000 | 4,104 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9350% | 2,915 |
| Cost of funding earning assets | 1.9213% | 2,197 |
| Net interest margin | 3.0138% | 2,958 |
| Noninterest income to average assets | 0.1700% | 3,835 |
| Noninterest expense to average assets | 2.6462% | 1,829 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.3308% | 3,753 |
| Return on assets (ROA) | 0.3308% | 3,776 |
| Pretax return on assets | 0.4027% | 3,752 |
| Return on Equity (ROE) | 5.1800% | 3,410 |
| Retained earnings to average equity (ytd only) | -17.3253% | 4,412 |
| Net charge-offs to loans | -0.2950% | 4,548 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 86.7925% | 744 |
| Assets per employee ($millions) | 6.1991% | 2,682 |
| Cash dividends to net income (ytd only)* | 434.7826% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 2,956 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 56.3800% | 3,163 |
| Net loans and leases to deposits | 70.7910% | 2,830 |
| Net loans and leases to core deposits | 71.9241% | 3,221 |
| Total domestic deposits to total assets | 79.6400% | 3,579 |
| Equity capital to assets | 6.2894% | 4,138 |
| Core capital (leverage) ratio | 8.2828% | 4,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.3485% | 2,870 |
| Memoranda: | ||
| Average total assets | $55,627,000 | 4,239 |
| Average earning assets | $53,090,000 | 4,201 |
| Average equity | $3,555,500 | 4,392 |
| Average total loans | $31,187,000 | 4,130 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5180% | 3,067 |
| Cost of funding earning assets | 0.7727% | 3,805 |
| Net interest margin | 3.7453% | 1,659 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.6755% | 1,807 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8530% | 2,698 |
| Return on assets (ROA) | 0.8530% | 2,670 |
| Pretax return on assets | 1.0991% | 2,411 |
| Return on Equity (ROE) | 14.0400% | 1,478 |
| Retained earnings to average equity (ytd only) | 3.3815% | 3,169 |
| Net charge-offs to loans | -0.0072% | 3,926 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.7436% | 1,787 |
| Assets per employee ($millions) | 6.1624% | 2,681 |
| Cash dividends to net income (ytd only)* | 75.9219% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 2,098 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 54.4500% | 3,318 |
| Net loans and leases to deposits | 66.1809% | 3,162 |
| Net loans and leases to core deposits | 66.6189% | 3,471 |
| Total domestic deposits to total assets | 82.2800% | 3,071 |
| Equity capital to assets | 6.4945% | 4,115 |
| Core capital (leverage) ratio | 8.9772% | 3,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0707% | 2,566 |
| Memoranda: | ||
| Average total assets | $54,045,600 | 4,270 |
| Average earning assets | $51,504,600 | 4,234 |
| Average equity | $3,282,600 | 4,409 |
| Average total loans | $27,699,400 | 4,174 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4824% | 2,947 |
| Cost of funding earning assets | 0.6281% | 3,923 |
| Net interest margin | 3.8544% | 1,489 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.6869% | 1,705 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9188% | 2,622 |
| Return on assets (ROA) | 0.9188% | 2,608 |
| Pretax return on assets | 1.1870% | 2,332 |
| Return on Equity (ROE) | 15.4000% | 1,372 |
| Retained earnings to average equity (ytd only) | 0.8326% | 3,981 |
| Net charge-offs to loans | -0.0099% | 3,931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.1816% | 1,881 |
| Assets per employee ($millions) | 5.7997% | 2,930 |
| Cash dividends to net income (ytd only)* | 94.5946% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3590% | 1,624 |
| 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 | 52.4200% | 3,467 |
| Net loans and leases to deposits | 55.9376% | 3,716 |
| Net loans and leases to core deposits | 56.2828% | 3,846 |
| Total domestic deposits to total assets | 93.7200% | 216 |
| Equity capital to assets | 5.9965% | 3,991 |
| Core capital (leverage) ratio | 8.7836% | 3,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5068% | 2,727 |
| Memoranda: | ||
| Average total assets | $53,691,500 | 4,293 |
| Average earning assets | $51,161,250 | 4,254 |
| Average equity | $3,202,750 | 4,427 |
| Average total loans | $26,979,750 | 4,201 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3779% | 2,940 |
| Cost of funding earning assets | 0.5501% | 3,884 |
| Net interest margin | 3.8278% | 1,568 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.5835% | 1,968 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.9338% | 2,635 |
| Return on assets (ROA) | 0.9338% | 2,623 |
| Pretax return on assets | 1.2069% | 2,343 |
| Return on Equity (ROE) | 15.6800% | 1,324 |
| Retained earnings to average equity (ytd only) | 3.2848% | 3,405 |
| Net charge-offs to loans | -0.0150% | 4,045 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.8952% | 1,996 |
| Assets per employee ($millions) | 6.0989% | 2,629 |
| Cash dividends to net income (ytd only)* | 79.0514% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 1,562 |
| 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 | 48.6600% | 3,650 |
| Net loans and leases to deposits | 51.8370% | 3,847 |
| Net loans and leases to core deposits | 52.1406% | 3,949 |
| Total domestic deposits to total assets | 93.8700% | 160 |
| Equity capital to assets | 5.9173% | 4,185 |
| Core capital (leverage) ratio | 8.8054% | 3,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5816% | 2,742 |
| Memoranda: | ||
| Average total assets | $54,189,667 | 4,308 |
| Average earning assets | $51,623,000 | 4,275 |
| Average equity | $3,227,000 | 4,454 |
| Average total loans | $26,726,333 | 4,219 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2315% | 2,974 |
| Cost of funding earning assets | 0.4814% | 3,754 |
| Net interest margin | 3.7501% | 1,794 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.6449% | 1,824 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.8247% | 3,115 |
| Return on assets (ROA) | 0.8247% | 3,066 |
| Pretax return on assets | 1.0624% | 2,821 |
| Return on Equity (ROE) | 13.8000% | 1,819 |
| Retained earnings to average equity (ytd only) | -11.0679% | 4,495 |
| Net charge-offs to loans | -0.0301% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.7753% | 1,670 |
| Assets per employee ($millions) | 5.9034% | 2,839 |
| Cash dividends to net income (ytd only)* | 180.1802% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 1,581 |
| 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 | 49.6000% | 3,526 |
| Net loans and leases to deposits | 52.9164% | 3,745 |
| Net loans and leases to core deposits | 52.9164% | 3,874 |
| Total domestic deposits to total assets | 93.7400% | 198 |
| Equity capital to assets | 6.0417% | 4,188 |
| Core capital (leverage) ratio | 8.3515% | 4,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1690% | 2,671 |
| Memoranda: | ||
| Average total assets | $53,839,500 | 4,374 |
| Average earning assets | $51,518,500 | 4,336 |
| Average equity | $3,216,500 | 4,517 |
| Average total loans | $26,547,000 | 4,277 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4938% | 3,091 |
| Cost of funding earning assets | 0.3071% | 2,819 |
| Net interest margin | 3.1867% | 2,907 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.2285% | 2,951 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9538% | 2,753 |
| Return on assets (ROA) | 0.9671% | 2,642 |
| Pretax return on assets | 1.2426% | 2,299 |
| Return on Equity (ROE) | 14.5200% | 1,395 |
| Retained earnings to average equity (ytd only) | 4.6700% | 3,189 |
| Net charge-offs to loans | 0.0080% | 2,091 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 327.0000% | 461 |
| Efficiency ratio | 64.5144% | 2,433 |
| Assets per employee ($millions) | 6.8185% | 2,102 |
| Cash dividends to net income (ytd only)* | 67.8295% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 1,470 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 47.6500% | 3,693 |
| Net loans and leases to deposits | 50.7389% | 3,866 |
| Net loans and leases to core deposits | 50.7389% | 3,951 |
| Total domestic deposits to total assets | 93.9100% | 252 |
| Equity capital to assets | 5.9086% | 4,124 |
| Core capital (leverage) ratio | 8.6596% | 3,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3697% | 2,625 |
| Memoranda: | ||
| Average total assets | $53,354,200 | 4,405 |
| Average earning assets | $51,118,600 | 4,360 |
| Average equity | $3,554,600 | 4,562 |
| Average total loans | $25,134,000 | 4,325 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3220% | 3,122 |
| Cost of funding earning assets | 0.2937% | 2,238 |
| Net interest margin | 3.0283% | 3,148 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.2115% | 2,901 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8944% | 2,886 |
| Return on assets (ROA) | 0.9122% | 2,793 |
| Pretax return on assets | 1.1686% | 2,497 |
| Return on Equity (ROE) | 13.3100% | 1,609 |
| Retained earnings to average equity (ytd only) | 0.4765% | 4,275 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.8683% | 2,296 |
| Assets per employee ($millions) | 6.5674% | 2,264 |
| Cash dividends to net income (ytd only)* | 96.4187% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 1,474 |
| 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 | 48.4900% | 3,584 |
| Net loans and leases to deposits | 51.5919% | 3,759 |
| Net loans and leases to core deposits | 51.5919% | 3,877 |
| Total domestic deposits to total assets | 93.9800% | 363 |
| Equity capital to assets | 5.8071% | 4,030 |
| Core capital (leverage) ratio | 8.3396% | 4,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9201% | 2,506 |
| Memoranda: | ||
| Average total assets | $53,055,750 | 4,440 |
| Average earning assets | $50,852,000 | 4,396 |
| Average equity | $3,637,500 | 4,602 |
| Average total loans | $24,827,000 | 4,365 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1328% | 3,233 |
| Cost of funding earning assets | 0.2976% | 1,730 |
| Net interest margin | 2.8351% | 3,328 |
| Noninterest income to average assets | 0.3833% | 2,851 |
| Noninterest expense to average assets | 2.1605% | 2,969 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7628% | 3,102 |
| Return on assets (ROA) | 0.7628% | 3,061 |
| Pretax return on assets | 0.9431% | 2,915 |
| Return on Equity (ROE) | 10.5922% | 2,141 |
| Retained earnings to average equity (ytd only) | 0.1565% | 4,159 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6126% | 2,015 |
| Assets per employee ($millions) | 6.8064% | 2,065 |
| Cash dividends to net income (ytd only)* | 98.5222% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 1,359 |
| 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 | 44.4583% | 3,799 |
| Net loans and leases to deposits | 47.3673% | 3,958 |
| Net loans and leases to core deposits | 47.3673% | 4,060 |
| Total domestic deposits to total assets | 93.8587% | 306 |
| Equity capital to assets | 5.9632% | 4,212 |
| Core capital (leverage) ratio | 8.6196% | 3,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8938% | 2,538 |
| Memoranda: | ||
| Average total assets | $53,228,000 | 4,480 |
| Average earning assets | $51,073,333 | 4,451 |
| Average equity | $3,833,000 | 4,628 |
| Average total loans | $24,487,000 | 4,419 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0049% | 3,243 |
| Cost of funding earning assets | 0.3084% | 1,568 |
| Net interest margin | 2.6965% | 3,407 |
| Noninterest income to average assets | 0.1444% | 4,290 |
| Noninterest expense to average assets | 2.3567% | 2,317 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3193% | 4,106 |
| Return on assets (ROA) | 0.3193% | 4,074 |
| Pretax return on assets | 0.3801% | 4,067 |
| Return on Equity (ROE) | 4.0717% | 3,859 |
| Retained earnings to average equity (ytd only) | -15.3175% | 4,645 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1111% | 733 |
| Assets per employee ($millions) | 6.5295% | 2,355 |
| Cash dividends to net income (ytd only)* | 476.1905% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 1,411 |
| 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 | 45.4993% | 3,623 |
| Net loans and leases to deposits | 48.9789% | 3,819 |
| Net loans and leases to core deposits | 48.9789% | 3,928 |
| Total domestic deposits to total assets | 92.8957% | 300 |
| Equity capital to assets | 7.0756% | 4,177 |
| Core capital (leverage) ratio | 7.9409% | 4,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3465% | 534 |
| Memoranda: | ||
| Average total assets | $52,616,500 | 4,513 |
| Average earning assets | $50,584,500 | 4,479 |
| Average equity | $4,126,000 | 4,646 |
| Average total loans | $24,440,000 | 4,436 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0991% | 3,685 |
| Cost of funding earning assets | 0.4046% | 1,517 |
| Net interest margin | 2.6946% | 3,883 |
| Noninterest income to average assets | 0.6604% | 1,902 |
| Noninterest expense to average assets | 2.2139% | 3,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8094% | 3,308 |
| Return on assets (ROA) | 0.9733% | 2,846 |
| Pretax return on assets | 1.2589% | 2,489 |
| Return on Equity (ROE) | 11.3482% | 2,039 |
| Retained earnings to average equity (ytd only) | 1.2727% | 4,182 |
| Net charge-offs to loans | -0.0039% | 3,497 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7994% | 2,014 |
| Assets per employee ($millions) | 6.6246% | 2,219 |
| Cash dividends to net income (ytd only)* | 88.7850% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 1,523 |
| 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 | 45.9781% | 3,694 |
| Net loans and leases to deposits | 51.1546% | 3,790 |
| Net loans and leases to core deposits | 51.1546% | 3,958 |
| Total domestic deposits to total assets | 89.8806% | 1,011 |
| Equity capital to assets | 8.5967% | 3,993 |
| Core capital (leverage) ratio | 8.3794% | 4,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0100% | 2,247 |
| Memoranda: | ||
| Average total assets | $54,970,400 | 4,508 |
| Average earning assets | $53,143,800 | 4,474 |
| Average equity | $4,714,400 | 4,653 |
| Average total loans | $25,433,000 | 4,465 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9822% | 4,039 |
| Cost of funding earning assets | 0.4225% | 1,540 |
| Net interest margin | 2.5597% | 4,193 |
| Noninterest income to average assets | 0.7957% | 1,539 |
| Noninterest expense to average assets | 2.2140% | 3,025 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8124% | 3,491 |
| Return on assets (ROA) | 1.0289% | 2,869 |
| Pretax return on assets | 1.3318% | 2,537 |
| Return on Equity (ROE) | 12.0036% | 2,043 |
| Retained earnings to average equity (ytd only) | -1.3182% | 4,678 |
| Net charge-offs to loans | -0.0052% | 3,446 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6708% | 1,872 |
| Assets per employee ($millions) | 6.6909% | 2,104 |
| Cash dividends to net income (ytd only)* | 110.9813% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 1,557 |
| Loan loss allowance to noncurrent loans | 152.2449% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.4577% | 1,661 |
| Noncurrent loans to loans | 0.9970% | 1,152 |
| Net loans and leases to total assets | 45.2108% | 3,856 |
| Net loans and leases to deposits | 50.3925% | 3,992 |
| Net loans and leases to core deposits | 50.3925% | 4,116 |
| Total domestic deposits to total assets | 89.7173% | 910 |
| Equity capital to assets | 8.6891% | 4,077 |
| Core capital (leverage) ratio | 7.9126% | 4,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2455% | 2,632 |
| Memoranda: | ||
| Average total assets | $55,463,750 | 4,564 |
| Average earning assets | $53,650,250 | 4,525 |
| Average equity | $4,754,000 | 4,720 |
| Average total loans | $25,606,250 | 4,518 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0101% | 4,024 |
| Cost of funding earning assets | 0.4427% | 1,575 |
| Net interest margin | 2.5674% | 4,219 |
| Noninterest income to average assets | 1.1050% | 924 |
| Noninterest expense to average assets | 2.2064% | 3,074 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0513% | 2,713 |
| Return on assets (ROA) | 1.3723% | 1,722 |
| Pretax return on assets | 1.7858% | 1,268 |
| Return on Equity (ROE) | 16.0808% | 944 |
| Retained earnings to average equity (ytd only) | 6.6829% | 2,548 |
| Net charge-offs to loans | -0.0077% | 3,572 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5308% | 2,795 |
| Assets per employee ($millions) | 6.9709% | 1,830 |
| Cash dividends to net income (ytd only)* | 58.4416% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 1,704 |
| Loan loss allowance to noncurrent loans | 151.0121% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.4429% | 1,857 |
| Noncurrent loans to loans | 0.9701% | 1,273 |
| Net loans and leases to total assets | 44.9890% | 3,975 |
| Net loans and leases to deposits | 50.1469% | 4,102 |
| Net loans and leases to core deposits | 50.6746% | 4,204 |
| Total domestic deposits to total assets | 89.7143% | 915 |
| Equity capital to assets | 8.7166% | 4,034 |
| Core capital (leverage) ratio | 8.0641% | 4,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5268% | 2,158 |
| Memoranda: | ||
| Average total assets | $56,109,333 | 4,585 |
| Average earning assets | $54,218,000 | 4,542 |
| Average equity | $4,788,333 | 4,750 |
| Average total loans | $25,950,667 | 4,550 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1393% | 3,805 |
| Cost of funding earning assets | 0.4569% | 1,670 |
| Net interest margin | 2.6824% | 4,001 |
| Noninterest income to average assets | 1.3362% | 729 |
| Noninterest expense to average assets | 2.3028% | 2,782 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2149% | 2,091 |
| Return on assets (ROA) | 1.8550% | 768 |
| Pretax return on assets | 2.4307% | 499 |
| Return on Equity (ROE) | 21.9697% | 396 |
| Retained earnings to average equity (ytd only) | 3.0303% | 3,773 |
| Net charge-offs to loans | -0.0153% | 3,866 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6957% | 3,202 |
| Assets per employee ($millions) | 7.0905% | 1,734 |
| Cash dividends to net income (ytd only)* | 86.2069% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 2,149 |
| Loan loss allowance to noncurrent loans | 151.0121% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 2,091 |
| Noncurrent loans to loans | 0.9006% | 1,504 |
| Net loans and leases to total assets | 47.6941% | 3,845 |
| Net loans and leases to deposits | 52.9847% | 4,005 |
| Net loans and leases to core deposits | 53.5278% | 4,116 |
| Total domestic deposits to total assets | 90.0148% | 809 |
| Equity capital to assets | 8.2381% | 4,337 |
| Core capital (leverage) ratio | 7.7699% | 4,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,280,500 | 4,602 |
| Average earning assets | $54,279,000 | 4,557 |
| Average equity | $4,752,000 | 4,768 |
| Average total loans | $26,195,000 | 4,567 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8459% | 3,177 |
| Cost of funding earning assets | 0.6787% | 1,828 |
| Net interest margin | 3.1672% | 3,443 |
| Noninterest income to average assets | 0.3117% | 3,608 |
| Noninterest expense to average assets | 2.2285% | 3,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8638% | 2,849 |
| Return on assets (ROA) | 0.9051% | 2,810 |
| Pretax return on assets | 1.1766% | 2,411 |
| Return on Equity (ROE) | 10.0856% | 1,972 |
| Retained earnings to average equity (ytd only) | 1.3447% | 4,091 |
| Net charge-offs to loans | -0.0599% | 4,706 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4667% | 2,454 |
| Assets per employee ($millions) | 6.9796% | 1,599 |
| Cash dividends to net income (ytd only)* | 86.6667% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 1,621 |
| Loan loss allowance to noncurrent loans | 92.3077% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.7217% | 1,438 |
| Noncurrent loans to loans | 1.6144% | 818 |
| Net loans and leases to total assets | 44.0407% | 4,246 |
| Net loans and leases to deposits | 49.1840% | 4,349 |
| Net loans and leases to core deposits | 49.6959% | 4,431 |
| Total domestic deposits to total assets | 89.5428% | 754 |
| Equity capital to assets | 8.6520% | 4,335 |
| Core capital (leverage) ratio | 7.8157% | 4,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,720,000 | 4,655 |
| Average earning assets | $47,739,400 | 4,620 |
| Average equity | $4,461,800 | 4,804 |
| Average total loans | $26,724,200 | 4,584 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0565% | 2,800 |
| Cost of funding earning assets | 0.7404% | 1,799 |
| Net interest margin | 3.3161% | 3,137 |
| Noninterest income to average assets | 0.3292% | 3,510 |
| Noninterest expense to average assets | 2.3296% | 3,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9145% | 2,643 |
| Return on assets (ROA) | 0.9407% | 2,688 |
| Pretax return on assets | 1.2174% | 2,335 |
| Return on Equity (ROE) | 10.3747% | 1,881 |
| Retained earnings to average equity (ytd only) | -1.5257% | 4,664 |
| Net charge-offs to loans | -0.0736% | 4,764 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2992% | 2,434 |
| Assets per employee ($millions) | 6.6815% | 1,686 |
| Cash dividends to net income (ytd only)* | 114.7059% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 1,634 |
| Loan loss allowance to noncurrent loans | 118.5304% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5856% | 1,969 |
| Noncurrent loans to loans | 1.2020% | 1,266 |
| Net loans and leases to total assets | 48.0207% | 4,211 |
| Net loans and leases to deposits | 53.6191% | 4,352 |
| Net loans and leases to core deposits | 54.1988% | 4,440 |
| Total domestic deposits to total assets | 89.5589% | 568 |
| Equity capital to assets | 8.6414% | 4,377 |
| Core capital (leverage) ratio | 8.7464% | 4,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,190,750 | 4,698 |
| Average earning assets | $46,278,250 | 4,665 |
| Average equity | $4,369,500 | 4,837 |
| Average total loans | $27,164,500 | 4,599 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3256% | 2,405 |
| Cost of funding earning assets | 0.7995% | 1,831 |
| Net interest margin | 3.5260% | 2,709 |
| Noninterest income to average assets | 0.3876% | 3,159 |
| Noninterest expense to average assets | 2.4506% | 3,101 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0207% | 2,253 |
| Return on assets (ROA) | 1.0207% | 2,379 |
| Pretax return on assets | 1.3179% | 1,975 |
| Return on Equity (ROE) | 11.0584% | 1,611 |
| Retained earnings to average equity (ytd only) | 2.1930% | 3,681 |
| Net charge-offs to loans | -0.1017% | 4,853 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0286% | 2,659 |
| Assets per employee ($millions) | 5.9740% | 2,207 |
| Cash dividends to net income (ytd only)* | 80.1688% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 1,825 |
| Loan loss allowance to noncurrent loans | 90.4645% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.8558% | 1,455 |
| Noncurrent loans to loans | 1.4816% | 1,025 |
| Net loans and leases to total assets | 56.9865% | 3,608 |
| Net loans and leases to deposits | 64.4417% | 3,851 |
| Net loans and leases to core deposits | 65.2273% | 4,011 |
| Total domestic deposits to total assets | 88.4311% | 973 |
| Equity capital to assets | 9.5706% | 3,590 |
| Core capital (leverage) ratio | 9.3821% | 3,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,437,000 | 4,740 |
| Average earning assets | $44,526,000 | 4,711 |
| Average equity | $4,286,333 | 4,874 |
| Average total loans | $27,539,667 | 4,605 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4652% | 2,410 |
| Cost of funding earning assets | 0.8401% | 2,172 |
| Net interest margin | 3.6252% | 2,589 |
| Noninterest income to average assets | 0.1661% | 4,536 |
| Noninterest expense to average assets | 2.5437% | 3,147 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8567% | 2,677 |
| Return on assets (ROA) | 0.8567% | 2,777 |
| Pretax return on assets | 1.0927% | 2,550 |
| Return on Equity (ROE) | 9.4629% | 1,929 |
| Retained earnings to average equity (ytd only) | -8.8835% | 4,722 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9519% | 2,358 |
| Assets per employee ($millions) | 5.7069% | 1,922 |
| Cash dividends to net income (ytd only)* | 193.8776% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 2,219 |
| Loan loss allowance to noncurrent loans | 647.2727% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 4,024 |
| Noncurrent loans to loans | 0.1984% | 3,769 |
| Net loans and leases to total assets | 59.9409% | 3,499 |
| Net loans and leases to deposits | 66.8344% | 3,809 |
| Net loans and leases to core deposits | 67.6706% | 4,005 |
| Total domestic deposits to total assets | 89.6857% | 422 |
| Equity capital to assets | 8.3058% | 4,898 |
| Core capital (leverage) ratio | 9.6036% | 3,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,759,500 | 4,772 |
| Average earning assets | $43,805,000 | 4,743 |
| Average equity | $4,142,500 | 4,928 |
| Average total loans | $27,507,000 | 4,643 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5125% | 2,901 |
| Cost of funding earning assets | 0.8438% | 2,462 |
| Net interest margin | 3.6688% | 2,910 |
| Noninterest income to average assets | 0.2204% | 4,349 |
| Noninterest expense to average assets | 2.3727% | 3,760 |
| Loan and lease loss provision to assets | 0.0111% | 3,791 |
| Net operating income to assets | 1.0469% | 2,666 |
| Return on assets (ROA) | 1.1752% | 2,251 |
| Pretax return on assets | 1.5024% | 1,804 |
| Return on Equity (ROE) | 12.5386% | 1,319 |
| Retained earnings to average equity (ytd only) | 5.4144% | 2,218 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7179% | 3,115 |
| Assets per employee ($millions) | 5.7330% | 1,854 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 1,902 |
| Loan loss allowance to noncurrent loans | 574.1935% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 3,959 |
| Noncurrent loans to loans | 0.2272% | 3,634 |
| Net loans and leases to total assets | 58.7302% | 3,696 |
| Net loans and leases to deposits | 66.7245% | 3,914 |
| Net loans and leases to core deposits | 67.5663% | 4,105 |
| Total domestic deposits to total assets | 88.0189% | 1,116 |
| Equity capital to assets | 9.7964% | 4,102 |
| Core capital (leverage) ratio | 9.4961% | 4,068 |
| Tier 1 risk-based capital ratio | 12.1754% | 4,259 |
| Total risk-based capital ratio | 13.1673% | 4,285 |
| Memoranda: | ||
| Average total assets | $44,927,800 | 4,831 |
| Average earning assets | $42,902,800 | 4,800 |
| Average equity | $4,211,000 | 4,966 |
| Average total loans | $27,587,000 | 4,696 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 3,058 |
| Cost of funding earning assets | 0.8441% | 2,493 |
| Net interest margin | 3.6579% | 3,066 |
| Noninterest income to average assets | 0.1760% | 4,665 |
| Noninterest expense to average assets | 2.3597% | 3,797 |
| Loan and lease loss provision to assets | 0.0149% | 3,608 |
| Net operating income to assets | 1.0179% | 2,917 |
| Return on assets (ROA) | 1.0203% | 2,982 |
| Pretax return on assets | 1.2947% | 2,686 |
| Return on Equity (ROE) | 11.0129% | 2,012 |
| Retained earnings to average equity (ytd only) | 1.3525% | 4,473 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3613% | 2,954 |
| Assets per employee ($millions) | 5.4860% | 2,045 |
| Cash dividends to net income (ytd only)* | 87.7190% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 2,046 |
| Loan loss allowance to noncurrent loans | 603.3898% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 4,057 |
| Noncurrent loans to loans | 0.2125% | 3,777 |
| Net loans and leases to total assets | 62.4408% | 3,450 |
| Net loans and leases to deposits | 71.0851% | 3,678 |
| Net loans and leases to core deposits | 72.0191% | 3,948 |
| Total domestic deposits to total assets | 87.8395% | 1,109 |
| Equity capital to assets | 9.9002% | 4,117 |
| Core capital (leverage) ratio | 9.4803% | 4,185 |
| Tier 1 risk-based capital ratio | 11.9025% | 4,461 |
| Total risk-based capital ratio | 12.9076% | 4,498 |
| Memoranda: | ||
| Average total assets | $44,693,750 | 4,903 |
| Average earning assets | $42,646,750 | 4,871 |
| Average equity | $4,140,500 | 5,046 |
| Average total loans | $27,660,750 | 4,759 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4647% | 3,128 |
| Cost of funding earning assets | 0.8351% | 2,478 |
| Net interest margin | 3.6296% | 3,164 |
| Noninterest income to average assets | 0.1245% | 4,949 |
| Noninterest expense to average assets | 2.3486% | 3,870 |
| Loan and lease loss provision to assets | 0.0222% | 3,362 |
| Net operating income to assets | 0.9617% | 3,051 |
| Return on assets (ROA) | 0.9653% | 3,116 |
| Pretax return on assets | 1.2188% | 2,844 |
| Return on Equity (ROE) | 10.6573% | 2,113 |
| Retained earnings to average equity (ytd only) | 3.2905% | 3,579 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5087% | 2,888 |
| Assets per employee ($millions) | 5.5936% | 1,878 |
| Cash dividends to net income (ytd only)* | 69.1244% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 2,103 |
| Loan loss allowance to noncurrent loans | 603.3898% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 4,095 |
| Noncurrent loans to loans | 0.2120% | 3,778 |
| Net loans and leases to total assets | 61.3868% | 3,612 |
| Net loans and leases to deposits | 71.6783% | 3,710 |
| Net loans and leases to core deposits | 71.6783% | 4,028 |
| Total domestic deposits to total assets | 85.6421% | 2,203 |
| Equity capital to assets | 9.6360% | 4,283 |
| Core capital (leverage) ratio | 9.3434% | 4,314 |
| Tier 1 risk-based capital ratio | 11.9819% | 4,429 |
| Total risk-based capital ratio | 12.9939% | 4,449 |
| Memoranda: | ||
| Average total assets | $44,962,330 | 4,940 |
| Average earning assets | $42,869,670 | 4,913 |
| Average equity | $4,072,330 | 5,093 |
| Average total loans | $27,627,670 | 4,791 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4361% | 3,095 |
| Cost of funding earning assets | 0.8108% | 2,476 |
| Net interest margin | 3.6253% | 3,157 |
| Noninterest income to average assets | 0.1243% | 4,988 |
| Noninterest expense to average assets | 2.3875% | 3,797 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9408% | 3,084 |
| Return on assets (ROA) | 0.9408% | 3,127 |
| Pretax return on assets | 1.1893% | 2,846 |
| Return on Equity (ROE) | 10.7274% | 2,068 |
| Retained earnings to average equity (ytd only) | -4.4529% | 4,897 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7494% | 2,830 |
| Assets per employee ($millions) | 5.6129% | 1,876 |
| Cash dividends to net income (ytd only)* | 141.5094% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 2,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 59.7777% | 3,732 |
| Net loans and leases to deposits | 68.1148% | 3,920 |
| Net loans and leases to core deposits | 70.4182% | 4,063 |
| Total domestic deposits to total assets | 87.7603% | 1,453 |
| Equity capital to assets | 8.9794% | 4,701 |
| Core capital (leverage) ratio | 9.1509% | 4,522 |
| Tier 1 risk-based capital ratio | 11.6797% | 4,636 |
| Total risk-based capital ratio | 12.6649% | 4,688 |
| Memoranda: | ||
| Average total assets | $45,069,000 | 4,992 |
| Average earning assets | $42,920,500 | 4,960 |
| Average equity | $3,952,500 | 5,156 |
| Average total loans | $27,528,500 | 4,851 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2907% | 3,148 |
| Cost of funding earning assets | 0.7151% | 1,995 |
| Net interest margin | 3.5756% | 3,463 |
| Noninterest income to average assets | 0.1607% | 4,918 |
| Noninterest expense to average assets | 2.2094% | 4,313 |
| Loan and lease loss provision to assets | 0.2464% | 700 |
| Net operating income to assets | 0.7988% | 3,812 |
| Return on assets (ROA) | 0.7886% | 3,851 |
| Pretax return on assets | 1.0993% | 3,269 |
| Return on Equity (ROE) | 9.4436% | 2,773 |
| Retained earnings to average equity (ytd only) | 1.7450% | 4,448 |
| Net charge-offs to loans | 0.1322% | 1,427 |
| Credit loss provision to net charge-offs | 319.4444% | 980 |
| Earnings coverage of net charge-offs (x) | 17.6111% | 2,180 |
| Efficiency ratio | 61.9219% | 3,544 |
| Assets per employee ($millions) | 5.6544% | 1,812 |
| Cash dividends to net income (ytd only)* | 81.5217% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 2,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 60.8224% | 3,685 |
| Net loans and leases to deposits | 68.4675% | 3,942 |
| Net loans and leases to core deposits | 71.6447% | 4,018 |
| Total domestic deposits to total assets | 88.8339% | 933 |
| Equity capital to assets | 8.5620% | 4,886 |
| Core capital (leverage) ratio | 8.9695% | 4,678 |
| Tier 1 risk-based capital ratio | 11.8789% | 4,510 |
| Total risk-based capital ratio | 12.8783% | 4,541 |
| Memoranda: | ||
| Average total assets | $46,665,000 | 5,002 |
| Average earning assets | $44,468,000 | 4,966 |
| Average equity | $3,896,800 | 5,195 |
| Average total loans | $27,223,000 | 4,883 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2518% | 3,145 |
| Cost of funding earning assets | 0.6724% | 2,020 |
| Net interest margin | 3.5793% | 3,436 |
| Noninterest income to average assets | 0.1531% | 5,013 |
| Noninterest expense to average assets | 2.1975% | 4,331 |
| Loan and lease loss provision to assets | 0.1276% | 1,573 |
| Net operating income to assets | 0.8669% | 3,673 |
| Return on assets (ROA) | 0.8535% | 3,731 |
| Pretax return on assets | 1.2221% | 2,904 |
| Return on Equity (ROE) | 10.2830% | 2,487 |
| Retained earnings to average equity (ytd only) | 0.0341% | 5,029 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6547% | 3,560 |
| Assets per employee ($millions) | 5.9210% | 1,552 |
| Cash dividends to net income (ytd only)* | 99.6686% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 3,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 58.8815% | 3,958 |
| Net loans and leases to deposits | 68.7241% | 4,009 |
| Net loans and leases to core deposits | 73.3510% | 3,990 |
| Total domestic deposits to total assets | 85.6781% | 2,337 |
| Equity capital to assets | 8.0540% | 5,157 |
| Core capital (leverage) ratio | 8.9286% | 4,768 |
| Tier 1 risk-based capital ratio | 11.7680% | 4,621 |
| Total risk-based capital ratio | 12.6558% | 4,727 |
| Memoranda: | ||
| Average total assets | $47,022,500 | 5,048 |
| Average earning assets | $44,811,750 | 5,013 |
| Average equity | $3,902,750 | 5,259 |
| Average total loans | $27,062,750 | 4,943 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2429% | 2,969 |
| Cost of funding earning assets | 0.6579% | 1,880 |
| Net interest margin | 3.5850% | 3,371 |
| Noninterest income to average assets | 0.1492% | 5,077 |
| Noninterest expense to average assets | 2.1958% | 4,378 |
| Loan and lease loss provision to assets | 0.1279% | 1,553 |
| Net operating income to assets | 0.8133% | 3,815 |
| Return on assets (ROA) | 0.7931% | 3,879 |
| Pretax return on assets | 1.2152% | 2,893 |
| Return on Equity (ROE) | 9.4608% | 2,823 |
| Retained earnings to average equity (ytd only) | 1.8311% | 4,509 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6029% | 3,680 |
| Assets per employee ($millions) | 5.7595% | 1,671 |
| Cash dividends to net income (ytd only)* | 80.6452% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 3,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 57.3335% | 4,058 |
| Net loans and leases to deposits | 64.5656% | 4,243 |
| Net loans and leases to core deposits | 69.3141% | 4,183 |
| Total domestic deposits to total assets | 88.7989% | 1,014 |
| Equity capital to assets | 8.4296% | 4,994 |
| Core capital (leverage) ratio | 7.5683% | 5,433 |
| Tier 1 risk-based capital ratio | 10.4542% | 5,289 |
| Total risk-based capital ratio | 11.3483% | 5,335 |
| Memoranda: | ||
| Average total assets | $46,907,330 | 5,111 |
| Average earning assets | $44,686,000 | 5,074 |
| Average equity | $3,932,000 | 5,313 |
| Average total loans | $26,681,000 | 5,003 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 3,036 |
| Cost of funding earning assets | 0.6295% | 1,851 |
| Net interest margin | 3.5285% | 3,429 |
| Noninterest income to average assets | 0.1437% | 5,150 |
| Noninterest expense to average assets | 2.2484% | 4,304 |
| Loan and lease loss provision to assets | 0.1268% | 1,486 |
| Net operating income to assets | 0.9044% | 3,269 |
| Return on assets (ROA) | 0.9044% | 3,275 |
| Pretax return on assets | 1.1326% | 3,039 |
| Return on Equity (ROE) | 10.8190% | 2,040 |
| Retained earnings to average equity (ytd only) | -4.3478% | 5,164 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0964% | 3,470 |
| Assets per employee ($millions) | 5.8658% | 1,640 |
| Cash dividends to net income (ytd only)* | 140.1869% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 3,532 |
| 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 | 56.3589% | 4,097 |
| Net loans and leases to deposits | 66.5183% | 4,052 |
| Net loans and leases to core deposits | 68.2873% | 4,202 |
| Total domestic deposits to total assets | 84.7270% | 3,026 |
| Equity capital to assets | 8.2023% | 5,175 |
| Core capital (leverage) ratio | 8.8451% | 4,855 |
| Tier 1 risk-based capital ratio | 11.9331% | 4,584 |
| Total risk-based capital ratio | 12.7595% | 4,751 |
| Memoranda: | ||
| Average total assets | $47,323,000 | 5,159 |
| Average earning assets | $45,118,000 | 5,128 |
| Average equity | $3,956,000 | 5,360 |
| Average total loans | $26,662,000 | 5,057 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0326% | 3,295 |
| Cost of funding earning assets | 0.5341% | 2,076 |
| Net interest margin | 3.4985% | 3,537 |
| Noninterest income to average assets | 0.1962% | 4,969 |
| Noninterest expense to average assets | 2.1198% | 4,722 |
| Loan and lease loss provision to assets | 0.1247% | 1,832 |
| Net operating income to assets | 1.0187% | 2,160 |
| Return on assets (ROA) | 1.0752% | 1,976 |
| Pretax return on assets | 1.3573% | 2,138 |
| Return on Equity (ROE) | 13.3876% | 868 |
| Retained earnings to average equity (ytd only) | 5.7521% | 1,683 |
| Net charge-offs to loans | -0.0117% | 4,827 |
| Credit loss provision to net charge-offs | -2,033.3333% | 5,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0463% | 4,257 |
| Assets per employee ($millions) | 5.9650% | 1,538 |
| Cash dividends to net income (ytd only)* | 57.0342% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 3,792 |
| Loan loss allowance to noncurrent loans | 1,360.0000% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 4,924 |
| Noncurrent loans to loans | 0.0752% | 4,664 |
| Net loans and leases to total assets | 55.1509% | 4,259 |
| Net loans and leases to deposits | 65.7753% | 4,206 |
| Net loans and leases to core deposits | 66.6616% | 4,379 |
| Total domestic deposits to total assets | 83.8474% | 3,261 |
| Equity capital to assets | 8.5142% | 5,112 |
| Core capital (leverage) ratio | 8.5761% | 5,067 |
| Tier 1 risk-based capital ratio | 11.8452% | 4,627 |
| Total risk-based capital ratio | 12.6259% | 4,811 |
| Memoranda: | ||
| Average total assets | $48,920,800 | 5,177 |
| Average earning assets | $46,620,400 | 5,134 |
| Average equity | $3,929,000 | 5,433 |
| Average total loans | $25,546,800 | 5,142 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0269% | 3,257 |
| Cost of funding earning assets | 0.5087% | 2,195 |
| Net interest margin | 3.5182% | 3,434 |
| Noninterest income to average assets | 0.2032% | 4,996 |
| Noninterest expense to average assets | 2.0885% | 4,759 |
| Loan and lease loss provision to assets | 0.1219% | 1,777 |
| Net operating income to assets | 0.9309% | 2,879 |
| Return on assets (ROA) | 0.9589% | 2,785 |
| Pretax return on assets | 1.3869% | 2,153 |
| Return on Equity (ROE) | 12.1163% | 1,311 |
| Retained earnings to average equity (ytd only) | 1.8483% | 4,692 |
| Net charge-offs to loans | -0.0211% | 4,865 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7205% | 4,402 |
| Assets per employee ($millions) | 5.9701% | 1,519 |
| Cash dividends to net income (ytd only)* | 84.7454% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9480% | 4,335 |
| 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 | 56.2258% | 4,214 |
| Net loans and leases to deposits | 68.4894% | 4,079 |
| Net loans and leases to core deposits | 68.4894% | 4,338 |
| Total domestic deposits to total assets | 82.0942% | 3,748 |
| Equity capital to assets | 8.3290% | 5,381 |
| Core capital (leverage) ratio | 8.1288% | 5,460 |
| Tier 1 risk-based capital ratio | 11.0649% | 5,204 |
| Total risk-based capital ratio | 11.7925% | 5,366 |
| Memoranda: | ||
| Average total assets | $49,221,000 | 5,232 |
| Average earning assets | $46,917,250 | 5,182 |
| Average equity | $3,895,500 | 5,497 |
| Average total loans | $25,286,000 | 5,204 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9504% | 3,374 |
| Cost of funding earning assets | 0.4912% | 2,249 |
| Net interest margin | 3.4593% | 3,547 |
| Noninterest income to average assets | 0.1972% | 5,059 |
| Noninterest expense to average assets | 2.0641% | 4,844 |
| Loan and lease loss provision to assets | 0.1207% | 1,712 |
| Net operating income to assets | 0.8999% | 2,913 |
| Return on assets (ROA) | 0.9415% | 2,767 |
| Pretax return on assets | 1.3600% | 2,164 |
| Return on Equity (ROE) | 12.0993% | 1,272 |
| Retained earnings to average equity (ytd only) | 4.3433% | 3,118 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2379% | 4,433 |
| Assets per employee ($millions) | 6.1550% | 1,354 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 4,475 |
| 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 | 50.9870% | 4,644 |
| Net loans and leases to deposits | 60.6176% | 4,583 |
| Net loans and leases to core deposits | 60.6176% | 4,790 |
| Total domestic deposits to total assets | 84.1125% | 3,151 |
| Equity capital to assets | 8.2088% | 5,443 |
| Core capital (leverage) ratio | 7.9730% | 5,544 |
| Tier 1 risk-based capital ratio | 11.2418% | 5,119 |
| Total risk-based capital ratio | 11.9243% | 5,322 |
| Memoranda: | ||
| Average total assets | $49,707,670 | 5,254 |
| Average earning assets | $47,235,670 | 5,210 |
| Average equity | $3,868,000 | 5,542 |
| Average total loans | $24,677,670 | 5,258 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8750% | 3,488 |
| Cost of funding earning assets | 0.4613% | 2,419 |
| Net interest margin | 3.4137% | 3,608 |
| Noninterest income to average assets | 0.1842% | 5,175 |
| Noninterest expense to average assets | 2.0184% | 5,008 |
| Loan and lease loss provision to assets | 0.1201% | 1,590 |
| Net operating income to assets | 0.9051% | 2,735 |
| Return on assets (ROA) | 0.9051% | 2,791 |
| Pretax return on assets | 1.3055% | 2,217 |
| Return on Equity (ROE) | 11.9545% | 1,252 |
| Retained earnings to average equity (ytd only) | -3.9143% | 5,328 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6047% | 4,643 |
| Assets per employee ($millions) | 6.3461% | 1,265 |
| Cash dividends to net income (ytd only)* | 132.7434% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8866% | 4,809 |
| 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 | 49.1028% | 4,742 |
| Net loans and leases to deposits | 58.3530% | 4,675 |
| Net loans and leases to core deposits | 58.3530% | 4,861 |
| Total domestic deposits to total assets | 84.1478% | 3,424 |
| Equity capital to assets | 7.4632% | 5,689 |
| Core capital (leverage) ratio | 7.7885% | 5,636 |
| Tier 1 risk-based capital ratio | 10.3685% | 5,601 |
| Total risk-based capital ratio | 10.9661% | 5,737 |
| Memoranda: | ||
| Average total assets | $49,941,500 | 5,308 |
| Average earning assets | $47,690,500 | 5,258 |
| Average equity | $3,781,000 | 5,609 |
| Average total loans | $24,344,500 | 5,324 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9012% | 3,567 |
| Cost of funding earning assets | 0.4736% | 2,320 |
| Net interest margin | 3.4275% | 3,719 |
| Noninterest income to average assets | 0.4760% | 3,374 |
| Noninterest expense to average assets | 2.1832% | 4,814 |
| Loan and lease loss provision to assets | 0.0737% | 2,879 |
| Net operating income to assets | 1.0525% | 2,129 |
| Return on assets (ROA) | 1.0525% | 2,228 |
| Pretax return on assets | 1.5016% | 1,577 |
| Return on Equity (ROE) | 12.1498% | 1,199 |
| Retained earnings to average equity (ytd only) | 1.8315% | 4,486 |
| Net charge-offs to loans | 0.0211% | 3,627 |
| Credit loss provision to net charge-offs | 660.0000% | 527 |
| Earnings coverage of net charge-offs (x) | 141.0000% | 447 |
| Efficiency ratio | 58.0856% | 4,840 |
| Assets per employee ($millions) | 6.1393% | 1,381 |
| Cash dividends to net income (ytd only)* | 84.9257% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8837% | 4,847 |
| 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 | 47.4997% | 4,929 |
| Net loans and leases to deposits | 52.5748% | 5,088 |
| Net loans and leases to core deposits | 52.5748% | 5,200 |
| Total domestic deposits to total assets | 90.3469% | 494 |
| Equity capital to assets | 7.6821% | 5,668 |
| Core capital (leverage) ratio | 8.3215% | 5,420 |
| Tier 1 risk-based capital ratio | 11.2355% | 5,199 |
| Total risk-based capital ratio | 11.8297% | 5,466 |
| Memoranda: | ||
| Average total assets | $44,751,600 | 5,448 |
| Average earning assets | $42,859,000 | 5,402 |
| Average equity | $3,876,600 | 5,656 |
| Average total loans | $23,653,000 | 5,403 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9216% | 3,514 |
| Cost of funding earning assets | 0.4914% | 2,157 |
| Net interest margin | 3.4302% | 3,739 |
| Noninterest income to average assets | 0.5405% | 2,975 |
| Noninterest expense to average assets | 2.2231% | 4,710 |
| Loan and lease loss provision to assets | 0.0550% | 3,157 |
| Net operating income to assets | 1.0871% | 2,054 |
| Return on assets (ROA) | 1.0871% | 2,151 |
| Pretax return on assets | 1.5452% | 1,556 |
| Return on Equity (ROE) | 12.1627% | 1,270 |
| Retained earnings to average equity (ytd only) | -1.5034% | 5,554 |
| Net charge-offs to loans | 0.0282% | 3,099 |
| Credit loss provision to net charge-offs | 360.0000% | 910 |
| Earnings coverage of net charge-offs (x) | 104.7451% | 637 |
| Efficiency ratio | 58.1470% | 4,793 |
| Assets per employee ($millions) | 5.7176% | 1,649 |
| Cash dividends to net income (ytd only)* | 112.3607% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 5,125 |
| 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 | 51.2057% | 4,716 |
| Net loans and leases to deposits | 58.2275% | 4,867 |
| Net loans and leases to core deposits | 58.2275% | 5,041 |
| Total domestic deposits to total assets | 87.9408% | 1,427 |
| Equity capital to assets | 8.6137% | 5,462 |
| Core capital (leverage) ratio | 8.0372% | 5,667 |
| Tier 1 risk-based capital ratio | 11.2661% | 5,221 |
| Total risk-based capital ratio | 11.8468% | 5,492 |
| Memoranda: | ||
| Average total assets | $43,661,000 | 5,528 |
| Average earning assets | $41,785,000 | 5,483 |
| Average equity | $3,902,500 | 5,716 |
| Average total loans | $23,682,000 | 5,456 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9313% | 3,494 |
| Cost of funding earning assets | 0.4914% | 2,175 |
| Net interest margin | 3.4399% | 3,728 |
| Noninterest income to average assets | 0.6749% | 2,251 |
| Noninterest expense to average assets | 2.2994% | 4,616 |
| Loan and lease loss provision to assets | 0.0512% | 3,125 |
| Net operating income to assets | 1.1357% | 1,822 |
| Return on assets (ROA) | 1.1357% | 1,940 |
| Pretax return on assets | 1.6152% | 1,326 |
| Return on Equity (ROE) | 12.5450% | 1,155 |
| Retained earnings to average equity (ytd only) | 4.8329% | 2,844 |
| Net charge-offs to loans | 0.0337% | 2,777 |
| Credit loss provision to net charge-offs | 275.0000% | 1,023 |
| Earnings coverage of net charge-offs (x) | 89.5000% | 639 |
| Efficiency ratio | 57.9812% | 4,904 |
| Assets per employee ($millions) | 5.2883% | 1,997 |
| Cash dividends to net income (ytd only)* | 61.4754% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8341% | 5,181 |
| 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 | 52.8341% | 4,606 |
| Net loans and leases to deposits | 59.2671% | 4,841 |
| Net loans and leases to core deposits | 59.2671% | 5,010 |
| Total domestic deposits to total assets | 89.1457% | 852 |
| Equity capital to assets | 9.5731% | 4,697 |
| Core capital (leverage) ratio | 8.9856% | 4,843 |
| Tier 1 risk-based capital ratio | 13.5498% | 3,868 |
| Total risk-based capital ratio | 14.2028% | 4,136 |
| Memoranda: | ||
| Average total assets | $42,967,670 | 5,606 |
| Average earning assets | $41,106,000 | 5,558 |
| Average equity | $3,890,000 | 5,781 |
| Average total loans | $23,704,000 | 5,513 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9138% | 3,540 |
| Cost of funding earning assets | 0.4639% | 2,430 |
| Net interest margin | 3.4499% | 3,665 |
| Noninterest income to average assets | 0.1386% | 5,655 |
| Noninterest expense to average assets | 2.3095% | 4,634 |
| Loan and lease loss provision to assets | 0.0739% | 2,484 |
| Net operating income to assets | 0.7852% | 3,319 |
| Return on assets (ROA) | 0.7852% | 3,428 |
| Pretax return on assets | 1.0532% | 3,267 |
| Return on Equity (ROE) | 8.9239% | 2,461 |
| Retained earnings to average equity (ytd only) | -6.8241% | 5,713 |
| Net charge-offs to loans | 0.0659% | 1,837 |
| Credit loss provision to net charge-offs | 200.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 30.5000% | 1,172 |
| Efficiency ratio | 67.2043% | 3,597 |
| Assets per employee ($millions) | 5.4525% | 1,867 |
| Cash dividends to net income (ytd only)* | 176.4706% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7777% | 5,426 |
| 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 | 53.8171% | 4,466 |
| Net loans and leases to deposits | 59.2429% | 4,766 |
| Net loans and leases to core deposits | 63.1507% | 4,741 |
| Total domestic deposits to total assets | 90.8414% | 314 |
| Equity capital to assets | 8.7299% | 5,402 |
| Core capital (leverage) ratio | 8.9034% | 4,962 |
| Tier 1 risk-based capital ratio | 12.0414% | 4,887 |
| Total risk-based capital ratio | 12.6368% | 5,195 |
| Memoranda: | ||
| Average total assets | $43,298,500 | 5,650 |
| Average earning assets | $41,392,500 | 5,603 |
| Average equity | $3,810,000 | 5,842 |
| Average total loans | $24,286,000 | 5,541 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 3,766 |
| Cost of funding earning assets | 0.3932% | 3,227 |
| Net interest margin | 3.4897% | 3,557 |
| Noninterest income to average assets | 0.1928% | 5,433 |
| Noninterest expense to average assets | 2.2374% | 4,955 |
| Loan and lease loss provision to assets | 0.0538% | 3,238 |
| Net operating income to assets | 0.8806% | 2,977 |
| Return on assets (ROA) | 0.8968% | 2,968 |
| Pretax return on assets | 1.2465% | 2,481 |
| Return on Equity (ROE) | 10.6208% | 1,747 |
| Retained earnings to average equity (ytd only) | 3.9828% | 3,196 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6480% | 4,340 |
| Assets per employee ($millions) | 4.2977% | 3,386 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7225% | 5,597 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 57.5494% | 4,143 |
| Net loans and leases to deposits | 65.7408% | 4,336 |
| Net loans and leases to core deposits | 70.3181% | 4,283 |
| Total domestic deposits to total assets | 87.5398% | 1,870 |
| Equity capital to assets | 8.8699% | 5,250 |
| Core capital (leverage) ratio | 8.9356% | 4,961 |
| Tier 1 risk-based capital ratio | 12.0631% | 4,910 |
| Total risk-based capital ratio | 12.6335% | 5,218 |
| Memoranda: | ||
| Average total assets | $44,605,400 | 5,668 |
| Average earning assets | $42,467,400 | 5,624 |
| Average equity | $3,766,200 | 5,893 |
| Average total loans | $22,510,400 | 5,634 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8715% | 3,849 |
| Cost of funding earning assets | 0.3859% | 3,384 |
| Net interest margin | 3.4856% | 3,596 |
| Noninterest income to average assets | 0.1718% | 5,618 |
| Noninterest expense to average assets | 2.1949% | 5,065 |
| Loan and lease loss provision to assets | 0.0593% | 2,999 |
| Net operating income to assets | 0.8890% | 3,005 |
| Return on assets (ROA) | 0.8975% | 3,061 |
| Pretax return on assets | 1.2470% | 2,616 |
| Return on Equity (ROE) | 10.7594% | 1,805 |
| Retained earnings to average equity (ytd only) | 1.8819% | 4,942 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9032% | 4,418 |
| Assets per employee ($millions) | 5.0977% | 2,181 |
| Cash dividends to net income (ytd only)* | 82.5095% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7518% | 5,621 |
| 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 | 50.9274% | 4,861 |
| Net loans and leases to deposits | 66.4704% | 4,340 |
| Net loans and leases to core deposits | 71.4504% | 4,237 |
| Total domestic deposits to total assets | 76.6168% | 5,402 |
| Equity capital to assets | 8.1519% | 5,896 |
| Core capital (leverage) ratio | 8.0773% | 5,859 |
| Tier 1 risk-based capital ratio | 12.0513% | 5,048 |
| Total risk-based capital ratio | 12.6263% | 5,355 |
| Memoranda: | ||
| Average total assets | $45,012,500 | 5,730 |
| Average earning assets | $42,842,500 | 5,682 |
| Average equity | $3,754,750 | 5,976 |
| Average total loans | $21,909,750 | 5,721 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8732% | 3,790 |
| Cost of funding earning assets | 0.3803% | 3,486 |
| Net interest margin | 3.4930% | 3,530 |
| Noninterest income to average assets | 0.1610% | 5,741 |
| Noninterest expense to average assets | 2.1957% | 5,129 |
| Loan and lease loss provision to assets | 0.0626% | 2,863 |
| Net operating income to assets | 0.8923% | 2,924 |
| Return on assets (ROA) | 0.8989% | 3,006 |
| Pretax return on assets | 1.2387% | 2,609 |
| Return on Equity (ROE) | 10.6924% | 1,780 |
| Retained earnings to average equity (ytd only) | 4.0429% | 3,442 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9487% | 4,530 |
| Assets per employee ($millions) | 5.0018% | 2,275 |
| Cash dividends to net income (ytd only)* | 62.1891% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7708% | 5,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 48.9048% | 5,021 |
| Net loans and leases to deposits | 59.1928% | 4,918 |
| Net loans and leases to core deposits | 62.4982% | 4,903 |
| Total domestic deposits to total assets | 82.6195% | 4,088 |
| Equity capital to assets | 8.3948% | 5,764 |
| Core capital (leverage) ratio | 8.2588% | 5,743 |
| Tier 1 risk-based capital ratio | 13.4530% | 4,247 |
| Total risk-based capital ratio | 14.0694% | 4,530 |
| Memoranda: | ||
| Average total assets | $44,723,670 | 5,800 |
| Average earning assets | $42,600,000 | 5,753 |
| Average equity | $3,759,670 | 6,036 |
| Average total loans | $21,365,670 | 5,795 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0247% | 3,138 |
| Cost of funding earning assets | 0.3685% | 3,664 |
| Net interest margin | 3.6562% | 2,787 |
| Noninterest income to average assets | 0.1615% | 5,775 |
| Noninterest expense to average assets | 2.4586% | 4,415 |
| Loan and lease loss provision to assets | 0.0179% | 3,487 |
| Net operating income to assets | 0.8614% | 2,952 |
| Return on assets (ROA) | 0.8614% | 3,069 |
| Pretax return on assets | 1.1575% | 2,846 |
| Return on Equity (ROE) | 10.2400% | 1,897 |
| Retained earnings to average equity (ytd only) | -3.0933% | 5,801 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6543% | 3,882 |
| Assets per employee ($millions) | 4.9032% | 2,487 |
| Cash dividends to net income (ytd only)* | 130.2083% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7659% | 5,771 |
| 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 | 46.6813% | 5,144 |
| Net loans and leases to deposits | 53.7130% | 5,216 |
| Net loans and leases to core deposits | 56.6167% | 5,215 |
| Total domestic deposits to total assets | 86.9088% | 2,422 |
| Equity capital to assets | 8.5771% | 5,683 |
| Core capital (leverage) ratio | 8.1830% | 5,819 |
| Tier 1 risk-based capital ratio | 12.0225% | 5,217 |
| Total risk-based capital ratio | 12.5493% | 5,571 |
| Memoranda: | ||
| Average total assets | $44,577,500 | 5,856 |
| Average earning assets | $42,338,500 | 5,803 |
| Average equity | $3,750,000 | 6,100 |
| Average total loans | $20,955,500 | 5,856 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6886% | 4,818 |
| Cost of funding earning assets | 0.4469% | 3,199 |
| Net interest margin | 3.2417% | 4,785 |
| Noninterest income to average assets | 0.1027% | 6,145 |
| Noninterest expense to average assets | 2.2673% | 5,197 |
| Loan and lease loss provision to assets | 0.0107% | 4,412 |
| Net operating income to assets | 0.6704% | 4,036 |
| Return on assets (ROA) | 0.6802% | 4,106 |
| Pretax return on assets | 0.8941% | 3,931 |
| Return on Equity (ROE) | 8.9276% | 2,628 |
| Retained earnings to average equity (ytd only) | 3.3127% | 3,869 |
| Net charge-offs to loans | 0.1301% | 2,714 |
| Credit loss provision to net charge-offs | 19.2308% | 3,982 |
| Earnings coverage of net charge-offs (x) | 16.0385% | 2,042 |
| Efficiency ratio | 71.7671% | 3,244 |
| Assets per employee ($millions) | 5.0029% | 2,319 |
| Cash dividends to net income (ytd only)* | 62.8931% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7422% | 5,901 |
| 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 | 46.6286% | 5,272 |
| Net loans and leases to deposits | 55.3024% | 5,223 |
| Net loans and leases to core deposits | 58.3243% | 5,242 |
| Total domestic deposits to total assets | 84.3157% | 3,582 |
| Equity capital to assets | 8.2508% | 5,931 |
| Core capital (leverage) ratio | 8.1238% | 5,910 |
| Tier 1 risk-based capital ratio | 10.9132% | 5,943 |
| Total risk-based capital ratio | 10.9132% | 6,303 |
| Memoranda: | ||
| Average total assets | $46,752,000 | 5,869 |
| Average earning assets | $44,082,000 | 5,828 |
| Average equity | $3,562,000 | 6,169 |
| Average total loans | $19,988,200 | 5,960 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6379% | 5,041 |
| Cost of funding earning assets | 0.4615% | 3,137 |
| Net interest margin | 3.1764% | 5,042 |
| Noninterest income to average assets | 0.2345% | 5,528 |
| Noninterest expense to average assets | 2.3454% | 4,974 |
| Loan and lease loss provision to assets | 0.0141% | 4,129 |
| Net operating income to assets | 0.6575% | 4,180 |
| Return on assets (ROA) | 0.6725% | 4,181 |
| Pretax return on assets | 0.8901% | 4,032 |
| Return on Equity (ROE) | 9.0055% | 2,686 |
| Retained earnings to average equity (ytd only) | 1.4380% | 5,323 |
| Net charge-offs to loans | 0.1760% | 2,044 |
| Credit loss provision to net charge-offs | 19.2308% | 3,585 |
| Earnings coverage of net charge-offs (x) | 12.0369% | 2,354 |
| Efficiency ratio | 72.6159% | 3,075 |
| Assets per employee ($millions) | 5.0741% | 2,155 |
| Cash dividends to net income (ytd only)* | 84.0324% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7444% | 6,008 |
| 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 | 45.8405% | 5,393 |
| Net loans and leases to deposits | 56.1278% | 5,230 |
| Net loans and leases to core deposits | 56.1278% | 5,439 |
| Total domestic deposits to total assets | 81.6717% | 4,601 |
| Equity capital to assets | 7.9926% | 6,137 |
| Core capital (leverage) ratio | 7.7767% | 6,177 |
| Tier 1 risk-based capital ratio | 11.1746% | 5,921 |
| Total risk-based capital ratio | 11.6649% | 6,189 |
| Memoranda: | ||
| Average total assets | $47,183,500 | 5,924 |
| Average earning assets | $44,493,500 | 5,882 |
| Average equity | $3,523,750 | 6,244 |
| Average total loans | $19,697,250 | 6,039 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5738% | 5,226 |
| Cost of funding earning assets | 0.4863% | 2,961 |
| Net interest margin | 3.0874% | 5,295 |
| Noninterest income to average assets | 0.1510% | 6,050 |
| Noninterest expense to average assets | 2.3611% | 4,994 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5494% | 4,604 |
| Return on assets (ROA) | 0.5494% | 4,705 |
| Pretax return on assets | 0.6920% | 4,667 |
| Return on Equity (ROE) | 7.5251% | 3,356 |
| Retained earnings to average equity (ytd only) | 1.7808% | 5,004 |
| Net charge-offs to loans | 0.2704% | 1,466 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.3462% | 2,783 |
| Efficiency ratio | 77.3352% | 2,403 |
| Assets per employee ($millions) | 4.8318% | 2,430 |
| Cash dividends to net income (ytd only)* | 76.3359% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7453% | 6,094 |
| Loan loss allowance to noncurrent loans | 172.7273% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 5,590 |
| Noncurrent loans to loans | 0.4315% | 4,688 |
| Net loans and leases to total assets | 41.8954% | 5,685 |
| Net loans and leases to deposits | 52.0533% | 5,497 |
| Net loans and leases to core deposits | 52.0533% | 5,663 |
| Total domestic deposits to total assets | 80.4855% | 5,138 |
| Equity capital to assets | 7.6224% | 6,316 |
| Core capital (leverage) ratio | 7.5769% | 6,286 |
| Tier 1 risk-based capital ratio | 11.1521% | 5,989 |
| Total risk-based capital ratio | 11.6269% | 6,250 |
| Memoranda: | ||
| Average total assets | $47,689,000 | 5,962 |
| Average earning assets | $44,826,670 | 5,918 |
| Average equity | $3,481,670 | 6,295 |
| Average total loans | $19,232,670 | 6,105 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5727% | 5,240 |
| Cost of funding earning assets | 0.5142% | 2,765 |
| Net interest margin | 3.0584% | 5,368 |
| Noninterest income to average assets | 0.2026% | 5,732 |
| Noninterest expense to average assets | 2.4064% | 4,910 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5657% | 4,383 |
| Return on assets (ROA) | 0.4644% | 4,947 |
| Pretax return on assets | 0.5573% | 4,992 |
| Return on Equity (ROE) | 6.5070% | 3,744 |
| Retained earnings to average equity (ytd only) | -5.3239% | 6,144 |
| Net charge-offs to loans | 0.5576% | 663 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,747 |
| Efficiency ratio | 78.5124% | 2,408 |
| Assets per employee ($millions) | 4.3169% | 3,309 |
| Cash dividends to net income (ytd only)* | 181.8182% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 6,075 |
| 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 | 39.1842% | 5,864 |
| Net loans and leases to deposits | 46.1941% | 5,838 |
| Net loans and leases to core deposits | 46.1941% | 5,979 |
| Total domestic deposits to total assets | 84.8250% | 3,945 |
| Equity capital to assets | 7.3095% | 6,375 |
| Core capital (leverage) ratio | 7.4480% | 6,354 |
| Tier 1 risk-based capital ratio | 11.1762% | 6,085 |
| Total risk-based capital ratio | 11.6623% | 6,318 |
| Memoranda: | ||
| Average total assets | $47,374,500 | 6,030 |
| Average earning assets | $44,336,500 | 5,992 |
| Average equity | $3,381,000 | 6,370 |
| Average total loans | $18,651,500 | 6,193 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5881% | 5,438 |
| Cost of funding earning assets | 0.6432% | 2,264 |
| Net interest margin | 2.9449% | 5,695 |
| Noninterest income to average assets | 0.2401% | 5,627 |
| Noninterest expense to average assets | 2.4230% | 5,013 |
| Loan and lease loss provision to assets | 0.0216% | 4,695 |
| Net operating income to assets | 0.4500% | 4,952 |
| Return on assets (ROA) | 0.4500% | 5,079 |
| Pretax return on assets | 0.5192% | 5,145 |
| Return on Equity (ROE) | 6.2658% | 3,931 |
| Retained earnings to average equity (ytd only) | 3.2534% | 3,911 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7518% | 1,913 |
| Assets per employee ($millions) | 4.2966% | 3,276 |
| Cash dividends to net income (ytd only)* | 48.0769% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9599% | 5,725 |
| Loan loss allowance to noncurrent loans | 132.8358% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.4316% | 4,954 |
| Noncurrent loans to loans | 0.7226% | 4,162 |
| Net loans and leases to total assets | 38.8591% | 6,036 |
| Net loans and leases to deposits | 49.2360% | 5,818 |
| Net loans and leases to core deposits | 49.2360% | 5,975 |
| Total domestic deposits to total assets | 78.9243% | 5,667 |
| Equity capital to assets | 6.9632% | 6,465 |
| Core capital (leverage) ratio | 7.5571% | 6,350 |
| Tier 1 risk-based capital ratio | 11.9751% | 5,628 |
| Total risk-based capital ratio | 12.5774% | 5,940 |
| Memoranda: | ||
| Average total assets | $46,224,400 | 6,113 |
| Average earning assets | $42,752,000 | 6,088 |
| Average equity | $3,319,600 | 6,471 |
| Average total loans | $17,389,400 | 6,304 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5486% | 5,583 |
| Cost of funding earning assets | 0.6726% | 2,157 |
| Net interest margin | 2.8759% | 5,865 |
| Noninterest income to average assets | 0.2263% | 5,810 |
| Noninterest expense to average assets | 2.4134% | 4,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4206% | 5,158 |
| Return on assets (ROA) | 0.4206% | 5,304 |
| Pretax return on assets | 0.4670% | 5,453 |
| Return on Equity (ROE) | 5.8114% | 4,279 |
| Retained earnings to average equity (ytd only) | 1.8036% | 5,236 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7865% | 1,629 |
| Assets per employee ($millions) | 3.8792% | 4,073 |
| Cash dividends to net income (ytd only)* | 68.9650% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 5,686 |
| Loan loss allowance to noncurrent loans | 125.3731% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 5,113 |
| Noncurrent loans to loans | 0.8023% | 4,235 |
| Net loans and leases to total assets | 35.5209% | 6,301 |
| Net loans and leases to deposits | 41.5578% | 6,335 |
| Net loans and leases to core deposits | 41.8205% | 6,392 |
| Total domestic deposits to total assets | 85.4737% | 3,506 |
| Equity capital to assets | 6.4791% | 6,646 |
| Core capital (leverage) ratio | 7.5935% | 6,412 |
| Tier 1 risk-based capital ratio | 13.0031% | 5,123 |
| Total risk-based capital ratio | 13.6316% | 5,466 |
| Memoranda: | ||
| Average total assets | $45,964,750 | 6,190 |
| Average earning assets | $42,419,750 | 6,167 |
| Average equity | $3,326,750 | 6,543 |
| Average total loans | $17,100,750 | 6,380 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5675% | 5,532 |
| Cost of funding earning assets | 0.7050% | 2,034 |
| Net interest margin | 2.8625% | 5,870 |
| Noninterest income to average assets | 0.2185% | 5,874 |
| Noninterest expense to average assets | 2.4689% | 4,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3976% | 5,224 |
| Return on assets (ROA) | 0.3976% | 5,387 |
| Pretax return on assets | 0.3933% | 5,652 |
| Return on Equity (ROE) | 5.3056% | 4,560 |
| Retained earnings to average equity (ytd only) | -0.5247% | 5,965 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2595% | 1,388 |
| Assets per employee ($millions) | 3.9001% | 4,014 |
| Cash dividends to net income (ytd only)* | 109.8901% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 5,806 |
| Loan loss allowance to noncurrent loans | 110.5263% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.3248% | 5,500 |
| Noncurrent loans to loans | 0.9078% | 4,111 |
| Net loans and leases to total assets | 35.4159% | 6,337 |
| Net loans and leases to deposits | 40.5505% | 6,386 |
| Net loans and leases to core deposits | 41.0689% | 6,432 |
| Total domestic deposits to total assets | 87.3379% | 2,631 |
| Equity capital to assets | 6.4593% | 6,694 |
| Core capital (leverage) ratio | 7.2720% | 6,538 |
| Tier 1 risk-based capital ratio | 13.0267% | 5,126 |
| Total risk-based capital ratio | 13.6668% | 5,501 |
| Memoranda: | ||
| Average total assets | $45,769,670 | 6,238 |
| Average earning assets | $42,270,670 | 6,213 |
| Average equity | $3,430,330 | 6,575 |
| Average total loans | $17,233,330 | 6,418 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5698% | 5,530 |
| Cost of funding earning assets | 0.7082% | 2,139 |
| Net interest margin | 2.8616% | 5,885 |
| Noninterest income to average assets | 0.2121% | 5,963 |
| Noninterest expense to average assets | 2.6871% | 4,117 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2387% | 5,766 |
| Return on assets (ROA) | 0.2387% | 5,890 |
| Pretax return on assets | 0.1679% | 6,140 |
| Return on Equity (ROE) | 2.9719% | 5,593 |
| Retained earnings to average equity (ytd only) | -8.0352% | 6,531 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1176% | 831 |
| Assets per employee ($millions) | 3.8390% | 4,277 |
| Cash dividends to net income (ytd only)* | 370.3704% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 5,950 |
| Loan loss allowance to noncurrent loans | 218.1818% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 6,070 |
| Noncurrent loans to loans | 0.4626% | 5,265 |
| Net loans and leases to total assets | 35.7645% | 6,315 |
| Net loans and leases to deposits | 39.0621% | 6,457 |
| Net loans and leases to core deposits | 39.7856% | 6,492 |
| Total domestic deposits to total assets | 91.5581% | 339 |
| Equity capital to assets | 7.8059% | 6,465 |
| Core capital (leverage) ratio | 7.2889% | 6,550 |
| Tier 1 risk-based capital ratio | 12.3674% | 5,664 |
| Total risk-based capital ratio | 12.9862% | 6,046 |
| Memoranda: | ||
| Average total assets | $45,254,000 | 6,308 |
| Average earning assets | $41,795,000 | 6,288 |
| Average equity | $3,634,000 | 6,604 |
| Average total loans | $17,478,500 | 6,466 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9064% | 5,559 |
| Cost of funding earning assets | 0.7740% | 2,879 |
| Net interest margin | 3.1324% | 5,735 |
| Noninterest income to average assets | 0.4285% | 4,394 |
| Noninterest expense to average assets | 2.5427% | 4,953 |
| Loan and lease loss provision to assets | 0.9214% | 480 |
| Net operating income to assets | 0.0310% | 6,117 |
| Return on assets (ROA) | 0.0310% | 6,260 |
| Pretax return on assets | -0.1738% | 6,408 |
| Return on Equity (ROE) | 0.3752% | 6,246 |
| Retained earnings to average equity (ytd only) | -5.3965% | 6,454 |
| Net charge-offs to loans | 2.4234% | 261 |
| Credit loss provision to net charge-offs | 86.7713% | 3,600 |
| Earnings coverage of net charge-offs (x) | 0.7040% | 5,129 |
| Efficiency ratio | 77.2793% | 2,551 |
| Assets per employee ($millions) | 3.7033% | 4,550 |
| Cash dividends to net income (ytd only)* | 1,538.4615% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 6,227 |
| Loan loss allowance to noncurrent loans | 218.1818% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 6,130 |
| Noncurrent loans to loans | 0.4205% | 5,436 |
| Net loans and leases to total assets | 40.8303% | 6,114 |
| Net loans and leases to deposits | 46.0148% | 6,252 |
| Net loans and leases to core deposits | 46.0148% | 6,371 |
| Total domestic deposits to total assets | 88.7331% | 1,744 |
| Equity capital to assets | 8.2628% | 6,229 |
| Core capital (leverage) ratio | 8.0682% | 6,123 |
| Tier 1 risk-based capital ratio | 13.6254% | 4,655 |
| Total risk-based capital ratio | 14.2886% | 5,021 |
| Memoranda: | ||
| Average total assets | $42,002,200 | 6,430 |
| Average earning assets | $38,373,200 | 6,419 |
| Average equity | $3,465,200 | 6,697 |
| Average total loans | $18,404,200 | 6,493 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 5,474 |
| Cost of funding earning assets | 0.8349% | 2,669 |
| Net interest margin | 3.1813% | 5,744 |
| Noninterest income to average assets | 0.4123% | 4,538 |
| Noninterest expense to average assets | 2.4351% | 5,291 |
| Loan and lease loss provision to assets | 1.2498% | 289 |
| Net operating income to assets | -0.0870% | 6,394 |
| Return on assets (ROA) | -0.0870% | 6,487 |
| Pretax return on assets | -0.3640% | 6,637 |
| Return on Equity (ROE) | -1.0546% | 6,509 |
| Retained earnings to average equity (ytd only) | -8.8666% | 6,780 |
| Net charge-offs to loans | 3.4296% | 136 |
| Credit loss provision to net charge-offs | 81.8565% | 3,566 |
| Earnings coverage of net charge-offs (x) | 0.5802% | 5,029 |
| Efficiency ratio | 73.3269% | 3,097 |
| Assets per employee ($millions) | 3.4621% | 5,056 |
| Cash dividends to net income (ytd only)* | -740.7222% | 7,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7633% | 6,667 |
| Loan loss allowance to noncurrent loans | 2,820.0000% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 6,751 |
| Noncurrent loans to loans | 0.0271% | 6,562 |
| Net loans and leases to total assets | 44.1256% | 5,960 |
| Net loans and leases to deposits | 48.9689% | 6,191 |
| Net loans and leases to core deposits | 48.9689% | 6,352 |
| Total domestic deposits to total assets | 90.1095% | 789 |
| Equity capital to assets | 8.5401% | 6,229 |
| Core capital (leverage) ratio | 8.2861% | 6,035 |
| Tier 1 risk-based capital ratio | 14.4010% | 4,259 |
| Total risk-based capital ratio | 14.9996% | 4,675 |
| Memoranda: | ||
| Average total assets | $41,392,750 | 6,534 |
| Average earning assets | $37,845,750 | 6,517 |
| Average equity | $3,413,500 | 6,792 |
| Average total loans | $18,427,000 | 6,578 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9153% | 5,873 |
| Cost of funding earning assets | 0.7873% | 3,301 |
| Net interest margin | 3.1280% | 5,913 |
| Noninterest income to average assets | 0.4160% | 4,533 |
| Noninterest expense to average assets | 2.4043% | 5,444 |
| Loan and lease loss provision to assets | 1.8770% | 164 |
| Net operating income to assets | -0.7692% | 6,846 |
| Return on assets (ROA) | -0.7692% | 6,871 |
| Pretax return on assets | -1.0014% | 6,892 |
| Return on Equity (ROE) | -9.4399% | 6,896 |
| Retained earnings to average equity (ytd only) | -15.3770% | 6,941 |
| Net charge-offs to loans | 5.1489% | 57 |
| Credit loss provision to net charge-offs | 81.8565% | 3,266 |
| Earnings coverage of net charge-offs (x) | 0.3819% | 4,890 |
| Efficiency ratio | 73.3038% | 3,190 |
| Assets per employee ($millions) | 3.4513% | 5,091 |
| Cash dividends to net income (ytd only)* | -62.8931% | 7,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7875% | 6,701 |
| Loan loss allowance to noncurrent loans | 40.8696% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 0.8330% | 4,723 |
| Noncurrent loans to loans | 1.9269% | 3,032 |
| Net loans and leases to total assets | 42.8892% | 6,118 |
| Net loans and leases to deposits | 47.0045% | 6,375 |
| Net loans and leases to core deposits | 47.0045% | 6,515 |
| Total domestic deposits to total assets | 91.2449% | 370 |
| Equity capital to assets | 8.3736% | 6,323 |
| Core capital (leverage) ratio | 8.0242% | 6,247 |
| Tier 1 risk-based capital ratio | 15.5509% | 3,407 |
| Total risk-based capital ratio | 16.2037% | 3,747 |
| Memoranda: | ||
| Average total assets | $41,342,000 | 6,578 |
| Average earning assets | $37,851,330 | 6,560 |
| Average equity | $3,368,670 | 6,839 |
| Average total loans | $18,411,670 | 6,626 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9175% | 5,979 |
| Cost of funding earning assets | 0.7962% | 3,505 |
| Net interest margin | 3.1212% | 5,981 |
| Noninterest income to average assets | 0.4358% | 4,407 |
| Noninterest expense to average assets | 2.4694% | 5,247 |
| Loan and lease loss provision to assets | 0.1453% | 3,546 |
| Net operating income to assets | 0.5520% | 4,582 |
| Return on assets (ROA) | 0.5520% | 4,800 |
| Pretax return on assets | 0.6682% | 4,891 |
| Return on Equity (ROE) | 6.8695% | 3,851 |
| Retained earnings to average equity (ytd only) | -5.1823% | 6,593 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2212% | 2,908 |
| Assets per employee ($millions) | 3.4125% | 5,317 |
| Cash dividends to net income (ytd only)* | 175.4386% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 4,813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 43.2650% | 6,075 |
| Net loans and leases to deposits | 47.1686% | 6,348 |
| Net loans and leases to core deposits | 47.1686% | 6,500 |
| Total domestic deposits to total assets | 91.7241% | 323 |
| Equity capital to assets | 8.0415% | 6,496 |
| Core capital (leverage) ratio | 8.0874% | 6,175 |
| Tier 1 risk-based capital ratio | 16.6092% | 2,860 |
| Total risk-based capital ratio | 17.8365% | 2,831 |
| Memoranda: | ||
| Average total assets | $41,305,000 | 6,632 |
| Average earning assets | $37,677,500 | 6,617 |
| Average equity | $3,319,000 | 6,892 |
| Average total loans | $18,665,500 | 6,678 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 6,063 |
| Cost of funding earning assets | 0.9364% | 3,825 |
| Net interest margin | 3.2594% | 5,933 |
| Noninterest income to average assets | 0.3324% | 5,157 |
| Noninterest expense to average assets | 2.6054% | 5,078 |
| Loan and lease loss provision to assets | 0.1031% | 5,299 |
| Net operating income to assets | 0.4974% | 4,439 |
| Return on assets (ROA) | 0.4974% | 4,652 |
| Pretax return on assets | 0.6288% | 4,600 |
| Return on Equity (ROE) | 5.9726% | 3,884 |
| Retained earnings to average equity (ytd only) | -0.2166% | 5,888 |
| Net charge-offs to loans | 0.0104% | 6,285 |
| Credit loss provision to net charge-offs | 2,000.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 238 |
| Efficiency ratio | 78.0695% | 2,580 |
| Assets per employee ($millions) | 3.4717% | 5,095 |
| Cash dividends to net income (ytd only)* | 103.6269% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 5,502 |
| 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 | 45.9530% | 6,018 |
| Net loans and leases to deposits | 51.1926% | 6,275 |
| Net loans and leases to core deposits | 52.1749% | 6,419 |
| Total domestic deposits to total assets | 89.7648% | 1,121 |
| Equity capital to assets | 8.0293% | 6,554 |
| Core capital (leverage) ratio | 8.4130% | 5,697 |
| Tier 1 risk-based capital ratio | 15.6845% | 3,218 |
| Total risk-based capital ratio | 16.7620% | 3,270 |
| Memoranda: | ||
| Average total assets | $38,804,600 | 6,710 |
| Average earning assets | $35,773,800 | 6,685 |
| Average equity | $3,231,400 | 6,953 |
| Average total loans | $19,230,000 | 6,698 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3896% | 5,641 |
| Cost of funding earning assets | 0.9582% | 3,977 |
| Net interest margin | 3.4314% | 5,457 |
| Noninterest income to average assets | 0.2415% | 5,894 |
| Noninterest expense to average assets | 2.6777% | 4,814 |
| Loan and lease loss provision to assets | 0.1400% | 4,690 |
| Net operating income to assets | 0.4621% | 4,713 |
| Return on assets (ROA) | 0.4621% | 4,904 |
| Pretax return on assets | 0.5951% | 4,823 |
| Return on Equity (ROE) | 5.4948% | 4,290 |
| Retained earnings to average equity (ytd only) | -2.8305% | 6,399 |
| Net charge-offs to loans | 0.0139% | 5,955 |
| Credit loss provision to net charge-offs | 2,000.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 104.8652% | 345 |
| Efficiency ratio | 78.4615% | 2,485 |
| Assets per employee ($millions) | 3.1988% | 5,683 |
| Cash dividends to net income (ytd only)* | 151.5114% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 5,473 |
| Loan loss allowance to noncurrent loans | 1,425.0000% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 6,949 |
| Noncurrent loans to loans | 0.0841% | 6,726 |
| Net loans and leases to total assets | 48.9553% | 5,842 |
| Net loans and leases to deposits | 54.5914% | 6,153 |
| Net loans and leases to core deposits | 56.1475% | 6,304 |
| Total domestic deposits to total assets | 89.6759% | 1,053 |
| Equity capital to assets | 8.5005% | 6,295 |
| Core capital (leverage) ratio | 8.5219% | 5,678 |
| Tier 1 risk-based capital ratio | 15.8132% | 3,210 |
| Total risk-based capital ratio | 16.9199% | 3,261 |
| Memoranda: | ||
| Average total assets | $38,090,750 | 6,792 |
| Average earning assets | $35,203,500 | 6,765 |
| Average equity | $3,203,000 | 7,016 |
| Average total loans | $19,194,500 | 6,768 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4565% | 5,503 |
| Cost of funding earning assets | 0.9574% | 4,267 |
| Net interest margin | 3.4991% | 5,170 |
| Noninterest income to average assets | 0.2264% | 6,046 |
| Noninterest expense to average assets | 2.6374% | 5,049 |
| Loan and lease loss provision to assets | 0.1790% | 4,127 |
| Net operating income to assets | 0.4948% | 4,523 |
| Return on assets (ROA) | 0.4948% | 4,666 |
| Pretax return on assets | 0.6422% | 4,601 |
| Return on Equity (ROE) | 5.9064% | 4,015 |
| Retained earnings to average equity (ytd only) | -0.3770% | 5,924 |
| Net charge-offs to loans | 0.0208% | 5,549 |
| Credit loss provision to net charge-offs | 1,700.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 435 |
| Efficiency ratio | 76.2557% | 2,971 |
| Assets per employee ($millions) | 3.2134% | 5,608 |
| Cash dividends to net income (ytd only)* | 106.3830% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 5,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 47.6959% | 6,084 |
| Net loans and leases to deposits | 52.2485% | 6,451 |
| Net loans and leases to core deposits | 53.2345% | 6,603 |
| Total domestic deposits to total assets | 91.2865% | 400 |
| Equity capital to assets | 8.4671% | 6,223 |
| Core capital (leverage) ratio | 8.6308% | 5,345 |
| Tier 1 risk-based capital ratio | 16.7423% | 2,635 |
| Total risk-based capital ratio | 17.8618% | 2,647 |
| Memoranda: | ||
| Average total assets | $37,992,330 | 6,860 |
| Average earning assets | $35,094,670 | 6,835 |
| Average equity | $3,183,000 | 7,077 |
| Average total loans | $19,252,670 | 6,828 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0662% | 6,570 |
| Cost of funding earning assets | 0.9541% | 4,536 |
| Net interest margin | 3.1121% | 6,317 |
| Noninterest income to average assets | 0.5198% | 3,731 |
| Noninterest expense to average assets | 2.7368% | 4,687 |
| Loan and lease loss provision to assets | 0.1803% | 3,813 |
| Net operating income to assets | 0.3925% | 4,985 |
| Return on assets (ROA) | 0.3925% | 5,075 |
| Pretax return on assets | 0.5092% | 4,996 |
| Return on Equity (ROE) | 4.7104% | 4,551 |
| Retained earnings to average equity (ytd only) | -8.0204% | 6,754 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8762% | 2,556 |
| Assets per employee ($millions) | 3.1612% | 5,815 |
| Cash dividends to net income (ytd only)* | 270.2703% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 6,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 50.6300% | 5,761 |
| Net loans and leases to deposits | 55.3296% | 6,190 |
| Net loans and leases to core deposits | 55.9746% | 6,413 |
| Total domestic deposits to total assets | 91.5063% | 417 |
| Equity capital to assets | 8.2591% | 6,210 |
| Core capital (leverage) ratio | 8.6209% | 5,232 |
| Tier 1 risk-based capital ratio | 15.9849% | 2,905 |
| Total risk-based capital ratio | 16.9941% | 2,987 |
| Memoranda: | ||
| Average total assets | $37,708,000 | 6,916 |
| Average earning assets | $35,217,000 | 6,870 |
| Average equity | $3,142,000 | 7,130 |
| Average total loans | $19,572,500 | 6,867 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 6,921 |
| Cost of funding earning assets | 1.0386% | 5,493 |
| Net interest margin | 3.1615% | 6,362 |
| Noninterest income to average assets | 0.4114% | 4,812 |
| Noninterest expense to average assets | 2.8295% | 4,480 |
| Loan and lease loss provision to assets | 0.2548% | 4,750 |
| Net operating income to assets | 0.1248% | 5,525 |
| Return on assets (ROA) | 0.3052% | 5,088 |
| Pretax return on assets | 0.4406% | 4,823 |
| Return on Equity (ROE) | 3.7538% | 4,635 |
| Retained earnings to average equity (ytd only) | -2.7745% | 6,078 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6032% | 1,848 |
| Assets per employee ($millions) | 3.1235% | 5,835 |
| Cash dividends to net income (ytd only)* | 173.9130% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 6,544 |
| Loan loss allowance to noncurrent loans | 1,181.2500% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 7,130 |
| Noncurrent loans to loans | 0.0811% | 6,930 |
| Net loans and leases to total assets | 52.1424% | 5,888 |
| Net loans and leases to deposits | 59.7201% | 6,089 |
| Net loans and leases to core deposits | 59.7201% | 6,414 |
| Total domestic deposits to total assets | 87.3112% | 2,659 |
| Equity capital to assets | 8.4067% | 5,990 |
| Core capital (leverage) ratio | 9.0548% | 4,444 |
| Tier 1 risk-based capital ratio | 15.9827% | 2,760 |
| Total risk-based capital ratio | 16.8909% | 2,890 |
| Memoranda: | ||
| Average total assets | $37,674,400 | 6,950 |
| Average earning assets | $34,951,400 | 6,914 |
| Average equity | $3,063,600 | 7,260 |
| Average total loans | $19,679,200 | 6,944 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2763% | 6,996 |
| Cost of funding earning assets | 1.0643% | 5,622 |
| Net interest margin | 3.2120% | 6,303 |
| Noninterest income to average assets | 0.5160% | 4,058 |
| Noninterest expense to average assets | 2.8135% | 4,427 |
| Loan and lease loss provision to assets | 0.2792% | 4,343 |
| Net operating income to assets | 0.2121% | 5,478 |
| Return on assets (ROA) | 0.3923% | 4,959 |
| Pretax return on assets | 0.5903% | 4,631 |
| Return on Equity (ROE) | 4.8656% | 4,359 |
| Retained earnings to average equity (ytd only) | -3.9010% | 6,453 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3229% | 2,293 |
| Assets per employee ($millions) | 2.5306% | 7,047 |
| Cash dividends to net income (ytd only)* | 180.1757% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8576% | 6,876 |
| 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 | 56.1263% | 5,533 |
| Net loans and leases to deposits | 62.2515% | 6,094 |
| Net loans and leases to core deposits | 62.2515% | 6,439 |
| Total domestic deposits to total assets | 90.1606% | 797 |
| Equity capital to assets | 9.3934% | 4,994 |
| Core capital (leverage) ratio | 9.2698% | 4,250 |
| Tier 1 risk-based capital ratio | 13.4622% | 4,229 |
| Total risk-based capital ratio | 14.1654% | 4,623 |
| Memoranda: | ||
| Average total assets | $37,722,500 | 7,028 |
| Average earning assets | $35,076,500 | 6,991 |
| Average equity | $3,041,750 | 7,359 |
| Average total loans | $19,665,750 | 7,038 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2619% | 7,100 |
| Cost of funding earning assets | 1.0641% | 5,850 |
| Net interest margin | 3.1978% | 6,326 |
| Noninterest income to average assets | 0.3482% | 5,364 |
| Noninterest expense to average assets | 2.9257% | 3,980 |
| Loan and lease loss provision to assets | 0.3222% | 3,813 |
| Net operating income to assets | -0.0572% | 6,160 |
| Return on assets (ROA) | 0.2650% | 5,462 |
| Pretax return on assets | 0.4209% | 5,154 |
| Return on Equity (ROE) | 3.4619% | 5,032 |
| Retained earnings to average equity (ytd only) | -3.3262% | 6,344 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4224% | 1,568 |
| Assets per employee ($millions) | 2.5967% | 6,956 |
| Cash dividends to net income (ytd only)* | 196.0784% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7642% | 7,109 |
| 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 | 55.3667% | 5,804 |
| Net loans and leases to deposits | 64.8120% | 5,932 |
| Net loans and leases to core deposits | 64.8120% | 6,333 |
| Total domestic deposits to total assets | 85.4266% | 3,403 |
| Equity capital to assets | 9.4378% | 4,806 |
| Core capital (leverage) ratio | 8.9952% | 4,608 |
| Tier 1 risk-based capital ratio | 16.1961% | 2,588 |
| Total risk-based capital ratio | 16.9493% | 2,769 |
| Memoranda: | ||
| Average total assets | $38,487,000 | 7,049 |
| Average earning assets | $36,087,000 | 7,000 |
| Average equity | $2,946,330 | 7,431 |
| Average total loans | $19,535,330 | 7,094 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2688% | 7,182 |
| Cost of funding earning assets | 1.0267% | 6,242 |
| Net interest margin | 3.2421% | 6,154 |
| Noninterest income to average assets | 0.2933% | 5,799 |
| Noninterest expense to average assets | 3.1047% | 3,249 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1618% | 5,819 |
| Return on assets (ROA) | 0.1618% | 5,943 |
| Pretax return on assets | 0.2225% | 5,814 |
| Return on Equity (ROE) | 2.3669% | 5,605 |
| Retained earnings to average equity (ytd only) | -12.4260% | 7,098 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3131% | 1,178 |
| Assets per employee ($millions) | 2.7466% | 6,766 |
| Cash dividends to net income (ytd only)* | 625.0000% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4765% | 7,610 |
| 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 | 50.5175% | 6,418 |
| Net loans and leases to deposits | 61.4618% | 6,324 |
| Net loans and leases to core deposits | 61.4618% | 6,641 |
| Total domestic deposits to total assets | 82.1934% | 4,985 |
| Equity capital to assets | 7.0790% | 7,334 |
| Core capital (leverage) ratio | 8.3137% | 5,715 |
| Tier 1 risk-based capital ratio | 16.1252% | 2,603 |
| Total risk-based capital ratio | 16.5715% | 2,908 |
| Memoranda: | ||
| Average total assets | $39,553,500 | 7,103 |
| Average earning assets | $37,012,500 | 7,054 |
| Average equity | $2,704,000 | 7,580 |
| Average total loans | $19,161,500 | 7,207 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8253% | 7,756 |
| Cost of funding earning assets | 1.1689% | 6,769 |
| Net interest margin | 2.6563% | 7,269 |
| Noninterest income to average assets | 0.2307% | 6,461 |
| Noninterest expense to average assets | 2.5966% | 5,812 |
| Loan and lease loss provision to assets | 0.1753% | 5,947 |
| Net operating income to assets | -0.0964% | 5,675 |
| Return on assets (ROA) | -0.0964% | 5,678 |
| Pretax return on assets | -0.1052% | 5,609 |
| Return on Equity (ROE) | -0.6417% | 5,644 |
| Retained earnings to average equity (ytd only) | -82.1438% | 7,872 |
| Net charge-offs to loans | 0.0058% | 7,165 |
| Credit loss provision to net charge-offs | 6,000.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 918 |
| Efficiency ratio | 97.3713% | 1,253 |
| Assets per employee ($millions) | 2.5409% | 7,135 |
| Cash dividends to net income (ytd only)* | -12,700.0000% | 8,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4945% | 7,671 |
| 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 | 46.0263% | 6,970 |
| Net loans and leases to deposits | 50.5839% | 7,225 |
| Net loans and leases to core deposits | 53.4965% | 7,487 |
| Total domestic deposits to total assets | 90.9900% | 536 |
| Equity capital to assets | 6.6068% | 7,534 |
| Core capital (leverage) ratio | 8.1130% | 5,970 |
| Tier 1 risk-based capital ratio | 13.9846% | 3,511 |
| Total risk-based capital ratio | 14.3623% | 4,020 |
| Memoranda: | ||
| Average total assets | $34,236,800 | 7,313 |
| Average earning assets | $31,396,600 | 7,294 |
| Average equity | $5,142,200 | 6,892 |
| Average total loans | $17,323,000 | 7,337 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7670% | 7,878 |
| Cost of funding earning assets | 1.1794% | 6,948 |
| Net interest margin | 2.5875% | 7,370 |
| Noninterest income to average assets | 0.2125% | 6,710 |
| Noninterest expense to average assets | 2.6517% | 5,519 |
| Loan and lease loss provision to assets | 0.2452% | 5,001 |
| Net operating income to assets | -0.3432% | 6,259 |
| Return on assets (ROA) | -0.3432% | 6,269 |
| Pretax return on assets | -0.3269% | 6,126 |
| Return on Equity (ROE) | -1.9457% | 6,095 |
| Retained earnings to average equity (ytd only) | -1.9457% | 5,718 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1797% | 944 |
| Assets per employee ($millions) | 3.3307% | 5,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1624% | 1,489 |
| 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 | 44.4881% | 7,210 |
| Net loans and leases to deposits | 48.7284% | 7,467 |
| Net loans and leases to core deposits | 51.0508% | 7,661 |
| Total domestic deposits to total assets | 91.2980% | 304 |
| Equity capital to assets | 8.2541% | 6,553 |
| Core capital (leverage) ratio | 10.9275% | 2,456 |
| Tier 1 risk-based capital ratio | 16.5529% | 2,406 |
| Total risk-based capital ratio | 16.5529% | 2,854 |
| Memoranda: | ||
| Average total assets | $32,632,250 | 7,436 |
| Average earning assets | $29,731,250 | 7,428 |
| Average equity | $5,756,250 | 6,754 |
| Average total loans | $16,952,500 | 7,424 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7717% | 7,271 |
| Cost of funding earning assets | 1.2409% | 6,990 |
| Net interest margin | 3.5308% | 4,656 |
| Noninterest income to average assets | 0.1126% | 7,419 |
| Noninterest expense to average assets | 2.7429% | 5,209 |
| Loan and lease loss provision to assets | 0.3975% | 3,534 |
| Net operating income to assets | 0.1126% | 5,529 |
| Return on assets (ROA) | 0.1126% | 5,626 |
| Pretax return on assets | 0.1391% | 5,588 |
| Return on Equity (ROE) | 0.5171% | 5,782 |
| Retained earnings to average equity (ytd only) | 0.5171% | 4,998 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6364% | 2,520 |
| Assets per employee ($millions) | 4.2670% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6364% | 7,568 |
| Loan loss allowance to noncurrent loans | 53.7143% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 0.5859% | 5,954 |
| Noncurrent loans to loans | 1.1848% | 4,851 |
| Net loans and leases to total assets | 49.1346% | 6,948 |
| Net loans and leases to deposits | 63.3733% | 6,625 |
| Net loans and leases to core deposits | 66.3922% | 7,195 |
| Total domestic deposits to total assets | 77.5319% | 6,196 |
| Equity capital to assets | 22.0630% | 283 |
| Core capital (leverage) ratio | 21.7241% | 283 |
| Tier 1 risk-based capital ratio | 43.6020% | 245 |
| Total risk-based capital ratio | 44.2239% | 246 |
| Memoranda: | ||
| Average total assets | $30,187,000 | 7,600 |
| Average earning assets | $27,076,330 | 7,595 |
| Average equity | $6,575,330 | 6,506 |
| Average total loans | $16,545,330 | 7,513 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4940% | 8,093 |
| Cost of funding earning assets | 1.3008% | 7,009 |
| Net interest margin | 2.1932% | 7,806 |
| Noninterest income to average assets | 0.0923% | 7,593 |
| Noninterest expense to average assets | 2.0563% | 7,222 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0527% | 6,337 |
| Return on assets (ROA) | -0.0527% | 6,462 |
| Pretax return on assets | -0.0527% | 6,435 |
| Return on Equity (ROE) | -0.2436% | 6,436 |
| Retained earnings to average equity (ytd only) | -0.2436% | 5,699 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6316% | 1,027 |
| Assets per employee ($millions) | 3.3603% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1989% | 8,107 |
| Loan loss allowance to noncurrent loans | 5.4927% | 7,545 |
| Noncurrent assets plus other real estate owned to assets | 2.0468% | 2,828 |
| Noncurrent loans to loans | 3.6212% | 1,735 |
| Net loans and leases to total assets | 56.4097% | 6,180 |
| Net loans and leases to deposits | 72.9372% | 5,624 |
| Net loans and leases to core deposits | 76.7121% | 6,630 |
| Total domestic deposits to total assets | 77.3402% | 6,200 |
| Equity capital to assets | 21.7340% | 317 |
| Core capital (leverage) ratio | 21.7103% | 318 |
| Tier 1 risk-based capital ratio | 41.3292% | 294 |
| Total risk-based capital ratio | 41.5430% | 312 |
| Memoranda: | ||
| Average total assets | $30,346,000 | 7,638 |
| Average earning assets | $26,445,000 | 7,661 |
| Average equity | $6,568,000 | 6,563 |
| Average total loans | $17,433,000 | 7,515 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5006% | 8,030 |
| Cost of funding earning assets | 1.5669% | 7,507 |
| Net interest margin | 2.9337% | 7,071 |
| Noninterest income to average assets | 0.2286% | 6,798 |
| Noninterest expense to average assets | 1.1104% | 8,187 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8093% | 545 |
| Return on assets (ROA) | 1.8093% | 521 |
| Pretax return on assets | 1.8942% | 776 |
| Return on Equity (ROE) | 8.6655% | 2,771 |
| Retained earnings to average equity (ytd only) | 5.2243% | 1,899 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.9565% | 8,176 |
| Assets per employee ($millions) | 5.0748% | 1,875 |
| Cash dividends to net income (ytd only)* | 39.7112% | 3,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1913% | 8,167 |
| Loan loss allowance to noncurrent loans | 3.4274% | 7,553 |
| Noncurrent assets plus other real estate owned to assets | 3.2579% | 1,395 |
| Noncurrent loans to loans | 5.5818% | 717 |
| Net loans and leases to total assets | 58.2548% | 6,167 |
| Net loans and leases to deposits | 75.9722% | 5,594 |
| Net loans and leases to core deposits | 79.8685% | 6,629 |
| Total domestic deposits to total assets | 76.6790% | 6,075 |
| Equity capital to assets | 21.5541% | 375 |
| Core capital (leverage) ratio | 18.9551% | 515 |
| Tier 1 risk-based capital ratio | 38.9103% | 358 |
| Total risk-based capital ratio | 39.1119% | 367 |
| Memoranda: | ||
| Average total assets | $30,619,600 | 7,617 |
| Average earning assets | $28,974,000 | 7,567 |
| Average equity | $6,393,200 | 6,681 |
| Average total loans | $18,988,400 | 7,402 |