Home > The Exchange State Bank of St. Paul, Kansas > Performance and Condition Ratios
The Exchange State Bank of St. Paul, Kansas, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15,901.0000% | 37 |
| Cost of funding earning assets | 12.0000% | 32 |
| Net interest margin | 0.0000% | 4,423 |
| Noninterest income to average assets | 0.0000% | 4,395 |
| Noninterest expense to average assets | 0.0000% | 4,437 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 1.0742% | 2,079 |
| Pretax return on assets | 1.3862% | 1,766 |
| Return on Equity (ROE) | 10.4100% | 2,203 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,662 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 1.0000% | 1,714 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 3,800.0000% | 27 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 363.0000% | 35 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 4.0000% | 114 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 0.0000% | 4,363 |
| Net loans and leases to core deposits | 0.0000% | 4,352 |
| Total domestic deposits to total assets | 2.8785% | 4,373 |
| Equity capital to assets | 30,799.0000% | 36 |
| Core capital (leverage) ratio | 0.0000% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,000 | 4,476 |
| Average earning assets | $5,458 | 4,454 |
| Average equity | $0 | 4,424 |
| Average total loans | NA | NA |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2785% | 2,569 |
| Cost of funding earning assets | 1.8427% | 2,615 |
| Net interest margin | 3.4358% | 2,207 |
| Noninterest income to average assets | 0.2500% | 3,380 |
| Noninterest expense to average assets | 2.2869% | 2,901 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 0.8683% | 2,488 |
| Return on assets (ROA) | 0.8683% | 2,500 |
| Pretax return on assets | 1.1058% | 2,220 |
| Return on Equity (ROE) | 8.4600% | 2,608 |
| Retained earnings to average equity (ytd only) | 7.4564% | 1,279 |
| Net charge-offs to loans | -0.0184% | 4,152 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 66.2579% | 2,462 |
| Assets per employee ($millions) | 5.9391% | 2,919 |
| Cash dividends to net income (ytd only)* | 11.8906% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 1,186 |
| Loan loss allowance to noncurrent loans | 1,086.8421% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 3,141 |
| Noncurrent loans to loans | 0.1323% | 2,993 |
| Net loans and leases to total assets | 56.0700% | 3,265 |
| Net loans and leases to deposits | 65.6151% | 3,237 |
| Net loans and leases to core deposits | 72.9882% | 3,207 |
| Total domestic deposits to total assets | 85.4600% | 2,383 |
| Equity capital to assets | 10.2304% | 2,002 |
| Core capital (leverage) ratio | 10.1831% | 2,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $96,857,200 | 3,804 |
| Average earning assets | $90,139,800 | 3,785 |
| Average equity | $9,937,800 | 3,765 |
| Average total loans | $54,463,800 | 3,761 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1926% | 2,670 |
| Cost of funding earning assets | 1.8218% | 2,656 |
| Net interest margin | 3.3708% | 2,300 |
| Noninterest income to average assets | 0.2200% | 3,570 |
| Noninterest expense to average assets | 2.2720% | 2,885 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 0.8153% | 2,640 |
| Return on assets (ROA) | 0.8153% | 2,657 |
| Pretax return on assets | 1.0324% | 2,439 |
| Return on Equity (ROE) | 7.9400% | 2,782 |
| Retained earnings to average equity (ytd only) | 6.9239% | 1,766 |
| Net charge-offs to loans | -0.0199% | 4,156 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 67.4793% | 2,315 |
| Assets per employee ($millions) | 5.7936% | 3,039 |
| Cash dividends to net income (ytd only)* | 12.7986% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 1,273 |
| Loan loss allowance to noncurrent loans | 1,068.4211% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 3,175 |
| Noncurrent loans to loans | 0.1329% | 3,011 |
| Net loans and leases to total assets | 57.2200% | 3,160 |
| Net loans and leases to deposits | 67.4648% | 3,150 |
| Net loans and leases to core deposits | 75.5213% | 3,096 |
| Total domestic deposits to total assets | 84.8100% | 2,359 |
| Equity capital to assets | 10.2536% | 2,129 |
| Core capital (leverage) ratio | 10.4552% | 2,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $95,830,500 | 3,826 |
| Average earning assets | $89,432,000 | 3,806 |
| Average equity | $9,840,000 | 3,787 |
| Average total loans | $53,719,750 | 3,779 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0793% | 2,798 |
| Cost of funding earning assets | 1.7381% | 2,782 |
| Net interest margin | 3.3412% | 2,316 |
| Noninterest income to average assets | 0.2200% | 3,548 |
| Noninterest expense to average assets | 2.3193% | 2,744 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.7752% | 2,707 |
| Return on assets (ROA) | 0.7752% | 2,729 |
| Pretax return on assets | 0.9669% | 2,574 |
| Return on Equity (ROE) | 7.5500% | 2,861 |
| Retained earnings to average equity (ytd only) | 6.5206% | 1,815 |
| Net charge-offs to loans | -0.0190% | 4,125 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 69.2453% | 2,193 |
| Assets per employee ($millions) | 6.0568% | 2,749 |
| Cash dividends to net income (ytd only)* | 13.5870% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 1,132 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 55.2000% | 3,331 |
| Net loans and leases to deposits | 68.1856% | 3,114 |
| Net loans and leases to core deposits | 77.2313% | 2,966 |
| Total domestic deposits to total assets | 80.9600% | 3,291 |
| Equity capital to assets | 10.2220% | 1,958 |
| Core capital (leverage) ratio | 10.4605% | 2,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $94,943,333 | 3,847 |
| Average earning assets | $88,949,333 | 3,821 |
| Average equity | $9,753,667 | 3,786 |
| Average total loans | $52,571,000 | 3,800 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9654% | 2,850 |
| Cost of funding earning assets | 1.6025% | 2,980 |
| Net interest margin | 3.3629% | 2,201 |
| Noninterest income to average assets | 0.2200% | 3,505 |
| Noninterest expense to average assets | 2.2563% | 2,920 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.8685% | 2,329 |
| Return on assets (ROA) | 0.8685% | 2,340 |
| Pretax return on assets | 1.0685% | 2,209 |
| Return on Equity (ROE) | 8.4300% | 2,571 |
| Retained earnings to average equity (ytd only) | 7.3986% | 1,706 |
| Net charge-offs to loans | -0.0232% | 4,149 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 66.5829% | 2,548 |
| Assets per employee ($millions) | 5.4930% | 3,275 |
| Cash dividends to net income (ytd only)* | 12.2549% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 1,046 |
| 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 | 54.8600% | 3,280 |
| Net loans and leases to deposits | 65.2524% | 3,215 |
| Net loans and leases to core deposits | 70.5690% | 3,303 |
| Total domestic deposits to total assets | 84.0800% | 2,691 |
| Equity capital to assets | 10.4593% | 1,747 |
| Core capital (leverage) ratio | 10.4065% | 2,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $93,960,500 | 3,877 |
| Average earning assets | $88,614,000 | 3,842 |
| Average equity | $9,677,500 | 3,804 |
| Average total loans | $51,707,500 | 3,826 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3823% | 3,310 |
| Cost of funding earning assets | 1.0126% | 3,269 |
| Net interest margin | 3.3698% | 2,471 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.2219% | 3,068 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.8611% | 2,670 |
| Return on assets (ROA) | 0.8611% | 2,642 |
| Pretax return on assets | 1.0888% | 2,438 |
| Return on Equity (ROE) | 8.6500% | 2,846 |
| Retained earnings to average equity (ytd only) | 7.5662% | 1,679 |
| Net charge-offs to loans | -0.0780% | 4,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.4898% | 2,415 |
| Assets per employee ($millions) | 5.5612% | 3,196 |
| Cash dividends to net income (ytd only)* | 12.5313% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 1,079 |
| 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 | 53.5600% | 3,384 |
| Net loans and leases to deposits | 63.0029% | 3,346 |
| Net loans and leases to core deposits | 68.1358% | 3,400 |
| Total domestic deposits to total assets | 85.0000% | 2,312 |
| Equity capital to assets | 10.1417% | 1,922 |
| Core capital (leverage) ratio | 10.1761% | 2,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $92,670,400 | 3,890 |
| Average earning assets | $86,711,600 | 3,861 |
| Average equity | $9,225,200 | 3,798 |
| Average total loans | $48,737,600 | 3,859 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2262% | 3,424 |
| Cost of funding earning assets | 0.8781% | 3,325 |
| Net interest margin | 3.3481% | 2,574 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.2081% | 3,055 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.8445% | 2,881 |
| Return on assets (ROA) | 0.8445% | 2,863 |
| Pretax return on assets | 1.0657% | 2,671 |
| Return on Equity (ROE) | 8.5200% | 3,052 |
| Retained earnings to average equity (ytd only) | 7.4295% | 2,165 |
| Net charge-offs to loans | -0.0888% | 4,479 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.5365% | 2,326 |
| Assets per employee ($millions) | 5.8648% | 2,875 |
| Cash dividends to net income (ytd only)* | 12.8425% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4662% | 1,206 |
| 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 | 53.7800% | 3,375 |
| Net loans and leases to deposits | 65.8237% | 3,146 |
| Net loans and leases to core deposits | 74.0525% | 2,995 |
| Total domestic deposits to total assets | 81.7100% | 3,270 |
| Equity capital to assets | 10.0175% | 1,823 |
| Core capital (leverage) ratio | 10.1932% | 2,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $92,203,000 | 3,906 |
| Average earning assets | $86,095,500 | 3,883 |
| Average equity | $9,134,500 | 3,811 |
| Average total loans | $48,072,500 | 3,877 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 3,653 |
| Cost of funding earning assets | 0.7266% | 3,412 |
| Net interest margin | 3.2896% | 2,779 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.1951% | 3,092 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.7855% | 3,122 |
| Return on assets (ROA) | 0.7855% | 3,135 |
| Pretax return on assets | 0.9950% | 2,926 |
| Return on Equity (ROE) | 7.9600% | 3,241 |
| Retained earnings to average equity (ytd only) | 6.8539% | 2,340 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.6225% | 2,165 |
| Assets per employee ($millions) | 5.6964% | 2,975 |
| Cash dividends to net income (ytd only)* | 13.8889% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4585% | 1,317 |
| 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 | 51.9700% | 3,412 |
| Net loans and leases to deposits | 63.4026% | 3,232 |
| Net loans and leases to core deposits | 70.5952% | 3,089 |
| Total domestic deposits to total assets | 81.9600% | 3,238 |
| Equity capital to assets | 10.0941% | 1,803 |
| Core capital (leverage) ratio | 10.1525% | 2,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $91,658,667 | 3,925 |
| Average earning assets | $85,603,333 | 3,905 |
| Average equity | $9,046,000 | 3,841 |
| Average total loans | $47,023,333 | 3,905 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8682% | 3,741 |
| Cost of funding earning assets | 0.5951% | 3,400 |
| Net interest margin | 3.2731% | 2,943 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.1933% | 3,116 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.7964% | 3,198 |
| Return on assets (ROA) | 0.7964% | 3,154 |
| Pretax return on assets | 0.9922% | 3,019 |
| Return on Equity (ROE) | 8.1600% | 3,248 |
| Retained earnings to average equity (ytd only) | 7.0465% | 2,481 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.6667% | 2,131 |
| Assets per employee ($millions) | 5.7699% | 2,961 |
| Cash dividends to net income (ytd only)* | 13.6612% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 1,480 |
| 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 | 50.3700% | 3,459 |
| Net loans and leases to deposits | 59.4715% | 3,369 |
| Net loans and leases to core deposits | 65.7782% | 3,244 |
| Total domestic deposits to total assets | 84.6900% | 2,932 |
| Equity capital to assets | 9.8009% | 1,934 |
| Core capital (leverage) ratio | 9.9395% | 2,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $91,917,000 | 3,977 |
| Average earning assets | $86,035,000 | 3,951 |
| Average equity | $8,969,000 | 3,900 |
| Average total loans | $46,503,000 | 3,956 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4112% | 3,313 |
| Cost of funding earning assets | 0.4377% | 1,807 |
| Net interest margin | 2.9734% | 3,519 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.2328% | 2,936 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.5404% | 4,018 |
| Return on assets (ROA) | 0.5404% | 3,971 |
| Pretax return on assets | 0.6730% | 3,907 |
| Return on Equity (ROE) | 5.6800% | 3,889 |
| Retained earnings to average equity (ytd only) | 4.5306% | 3,225 |
| Net charge-offs to loans | -0.0179% | 4,028 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.8072% | 1,138 |
| Assets per employee ($millions) | 5.7198% | 3,014 |
| Cash dividends to net income (ytd only)* | 20.2840% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 1,418 |
| 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 | 49.3700% | 3,554 |
| Net loans and leases to deposits | 57.6503% | 3,478 |
| Net loans and leases to core deposits | 63.5917% | 3,286 |
| Total domestic deposits to total assets | 85.6300% | 2,824 |
| Equity capital to assets | 9.7141% | 1,879 |
| Core capital (leverage) ratio | 9.6955% | 2,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $91,231,200 | 4,000 |
| Average earning assets | $85,894,400 | 3,969 |
| Average equity | $8,674,400 | 4,027 |
| Average total loans | $44,678,800 | 3,984 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3277% | 3,106 |
| Cost of funding earning assets | 0.4228% | 1,138 |
| Net interest margin | 2.9049% | 3,489 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 2.2144% | 2,891 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.5017% | 4,069 |
| Return on assets (ROA) | 0.5017% | 4,018 |
| Pretax return on assets | 0.6231% | 3,946 |
| Return on Equity (ROE) | 5.3100% | 3,925 |
| Retained earnings to average equity (ytd only) | 4.1451% | 3,394 |
| Net charge-offs to loans | -0.0240% | 4,053 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.1569% | 1,066 |
| Assets per employee ($millions) | 6.0784% | 2,688 |
| Cash dividends to net income (ytd only)* | 21.8659% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 1,630 |
| 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 | 48.8200% | 3,545 |
| Net loans and leases to deposits | 57.8151% | 3,355 |
| Net loans and leases to core deposits | 63.5192% | 3,157 |
| Total domestic deposits to total assets | 84.4400% | 3,398 |
| Equity capital to assets | 9.6133% | 1,822 |
| Core capital (leverage) ratio | 9.5847% | 2,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $91,160,000 | 4,028 |
| Average earning assets | $85,782,500 | 4,001 |
| Average equity | $8,620,500 | 4,080 |
| Average total loans | $44,390,250 | 4,009 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2575% | 2,882 |
| Cost of funding earning assets | 0.3996% | 922 |
| Net interest margin | 2.8579% | 3,273 |
| Noninterest income to average assets | 0.1448% | 4,295 |
| Noninterest expense to average assets | 2.2072% | 2,828 |
| Loan and lease loss provision to assets | 0.0527% | 1,637 |
| Net operating income to assets | 0.4673% | 3,973 |
| Return on assets (ROA) | 0.4673% | 3,922 |
| Pretax return on assets | 0.5836% | 3,843 |
| Return on Equity (ROE) | 4.9695% | 3,824 |
| Retained earnings to average equity (ytd only) | 3.8029% | 3,159 |
| Net charge-offs to loans | -0.0362% | 4,118 |
| Credit loss provision to net charge-offs | -300.0000% | 3,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6235% | 1,114 |
| Assets per employee ($millions) | 6.1439% | 2,619 |
| Cash dividends to net income (ytd only)* | 23.4742% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 1,988 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 3,384 |
| Noncurrent loans to loans | 0.1221% | 3,114 |
| Net loans and leases to total assets | 48.2085% | 3,535 |
| Net loans and leases to deposits | 56.2636% | 3,357 |
| Net loans and leases to core deposits | 61.8731% | 3,128 |
| Total domestic deposits to total assets | 85.6833% | 3,326 |
| Equity capital to assets | 9.3991% | 2,098 |
| Core capital (leverage) ratio | 9.4119% | 3,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,154,667 | 4,070 |
| Average earning assets | $86,078,667 | 4,046 |
| Average equity | $8,572,333 | 4,145 |
| Average total loans | $44,139,667 | 4,071 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0189% | 3,198 |
| Cost of funding earning assets | 0.3831% | 968 |
| Net interest margin | 2.6358% | 3,566 |
| Noninterest income to average assets | 0.1235% | 4,389 |
| Noninterest expense to average assets | 2.1091% | 3,111 |
| Loan and lease loss provision to assets | 0.0794% | 1,035 |
| Net operating income to assets | 0.3751% | 4,011 |
| Return on assets (ROA) | 0.3751% | 3,975 |
| Pretax return on assets | 0.4545% | 3,944 |
| Return on Equity (ROE) | 3.9871% | 3,881 |
| Retained earnings to average equity (ytd only) | 2.8144% | 3,329 |
| Net charge-offs to loans | -0.0732% | 4,382 |
| Credit loss provision to net charge-offs | -225.0000% | 2,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7997% | 1,168 |
| Assets per employee ($millions) | 6.2864% | 2,572 |
| Cash dividends to net income (ytd only)* | 29.4118% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 2,120 |
| Loan loss allowance to noncurrent loans | 110.3131% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5758% | 1,031 |
| Noncurrent loans to loans | 1.2225% | 722 |
| Net loans and leases to total assets | 46.4675% | 3,537 |
| Net loans and leases to deposits | 53.7032% | 3,441 |
| Net loans and leases to core deposits | 58.8653% | 3,247 |
| Total domestic deposits to total assets | 86.5265% | 3,095 |
| Equity capital to assets | 9.0746% | 2,648 |
| Core capital (leverage) ratio | 9.3075% | 2,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,653,000 | 4,089 |
| Average earning assets | $86,654,500 | 4,058 |
| Average equity | $8,527,500 | 4,208 |
| Average total loans | $43,693,000 | 4,083 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5110% | 2,627 |
| Cost of funding earning assets | 0.4908% | 969 |
| Net interest margin | 3.0202% | 3,145 |
| Noninterest income to average assets | 0.1468% | 4,421 |
| Noninterest expense to average assets | 2.2837% | 2,838 |
| Loan and lease loss provision to assets | 0.0282% | 2,494 |
| Net operating income to assets | 0.5615% | 3,956 |
| Return on assets (ROA) | 0.5615% | 4,005 |
| Pretax return on assets | 0.7119% | 3,906 |
| Return on Equity (ROE) | 5.7125% | 3,843 |
| Retained earnings to average equity (ytd only) | 4.5174% | 2,996 |
| Net charge-offs to loans | -0.0230% | 4,027 |
| Credit loss provision to net charge-offs | -240.0000% | 3,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5245% | 1,148 |
| Assets per employee ($millions) | 5.4381% | 3,322 |
| Cash dividends to net income (ytd only)* | 20.9205% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 2,221 |
| Loan loss allowance to noncurrent loans | 117.9012% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.5586% | 1,186 |
| Noncurrent loans to loans | 1.1310% | 855 |
| Net loans and leases to total assets | 48.7266% | 3,431 |
| Net loans and leases to deposits | 56.3468% | 3,389 |
| Net loans and leases to core deposits | 61.9604% | 3,168 |
| Total domestic deposits to total assets | 86.4763% | 2,725 |
| Equity capital to assets | 9.7667% | 2,880 |
| Core capital (leverage) ratio | 9.7482% | 2,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,124,000 | 4,152 |
| Average earning assets | $81,087,800 | 4,112 |
| Average equity | $8,367,600 | 4,302 |
| Average total loans | $43,516,600 | 4,121 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6531% | 2,408 |
| Cost of funding earning assets | 0.5105% | 998 |
| Net interest margin | 3.1426% | 2,928 |
| Noninterest income to average assets | 0.1433% | 4,479 |
| Noninterest expense to average assets | 2.2602% | 2,863 |
| Loan and lease loss provision to assets | 0.0095% | 2,801 |
| Net operating income to assets | 0.6741% | 3,830 |
| Return on assets (ROA) | 0.6741% | 3,889 |
| Pretax return on assets | 0.8600% | 3,773 |
| Return on Equity (ROE) | 6.8465% | 3,709 |
| Retained earnings to average equity (ytd only) | 5.6467% | 2,983 |
| Net charge-offs to loans | -0.0305% | 4,139 |
| Credit loss provision to net charge-offs | -60.0000% | 3,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2194% | 1,383 |
| Assets per employee ($millions) | 5.2960% | 3,410 |
| Cash dividends to net income (ytd only)* | 17.5234% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 2,565 |
| Loan loss allowance to noncurrent loans | 107.9767% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.6066% | 1,260 |
| Noncurrent loans to loans | 1.1909% | 937 |
| Net loans and leases to total assets | 50.2797% | 3,379 |
| Net loans and leases to deposits | 58.8215% | 3,338 |
| Net loans and leases to core deposits | 64.8784% | 3,053 |
| Total domestic deposits to total assets | 85.4784% | 2,956 |
| Equity capital to assets | 9.9993% | 2,898 |
| Core capital (leverage) ratio | 9.8827% | 2,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,652,500 | 4,205 |
| Average earning assets | $80,440,250 | 4,175 |
| Average equity | $8,335,000 | 4,368 |
| Average total loans | $43,653,250 | 4,173 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8688% | 1,905 |
| Cost of funding earning assets | 0.5306% | 1,030 |
| Net interest margin | 3.3382% | 2,336 |
| Noninterest income to average assets | 0.1371% | 4,512 |
| Noninterest expense to average assets | 2.2358% | 2,963 |
| Loan and lease loss provision to assets | -0.0425% | 4,497 |
| Net operating income to assets | 0.8697% | 3,306 |
| Return on assets (ROA) | 0.8697% | 3,378 |
| Pretax return on assets | 1.1108% | 3,179 |
| Return on Equity (ROE) | 8.8792% | 3,140 |
| Retained earnings to average equity (ytd only) | 7.6728% | 2,201 |
| Net charge-offs to loans | -0.0685% | 4,495 |
| Credit loss provision to net charge-offs | 120.0000% | 1,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6681% | 1,918 |
| Assets per employee ($millions) | 5.2704% | 3,385 |
| Cash dividends to net income (ytd only)* | 13.5870% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 2,833 |
| Loan loss allowance to noncurrent loans | 102.2945% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.6202% | 1,337 |
| Noncurrent loans to loans | 1.1904% | 1,009 |
| Net loans and leases to total assets | 51.4681% | 3,401 |
| Net loans and leases to deposits | 60.2834% | 3,372 |
| Net loans and leases to core deposits | 66.5262% | 3,073 |
| Total domestic deposits to total assets | 85.3770% | 2,951 |
| Equity capital to assets | 10.0040% | 2,845 |
| Core capital (leverage) ratio | 9.7785% | 2,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,624,667 | 4,237 |
| Average earning assets | $80,283,000 | 4,201 |
| Average equity | $8,289,000 | 4,396 |
| Average total loans | $43,817,667 | 4,197 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2099% | 1,186 |
| Cost of funding earning assets | 0.5237% | 1,247 |
| Net interest margin | 3.6862% | 1,367 |
| Noninterest income to average assets | 0.1321% | 4,543 |
| Noninterest expense to average assets | 2.1988% | 3,118 |
| Loan and lease loss provision to assets | 0.0991% | 1,364 |
| Net operating income to assets | 1.0333% | 2,703 |
| Return on assets (ROA) | 1.0333% | 2,780 |
| Pretax return on assets | 1.3212% | 2,513 |
| Return on Equity (ROE) | 10.6628% | 2,474 |
| Retained earnings to average equity (ytd only) | 9.4456% | 1,813 |
| Net charge-offs to loans | -0.1006% | 4,643 |
| Credit loss provision to net charge-offs | -190.9091% | 2,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7562% | 2,944 |
| Assets per employee ($millions) | 5.3586% | 3,270 |
| Cash dividends to net income (ytd only)* | 11.4155% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3060% | 2,412 |
| Loan loss allowance to noncurrent loans | 110.4449% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 1,584 |
| Noncurrent loans to loans | 1.1825% | 1,123 |
| Net loans and leases to total assets | 50.3266% | 3,591 |
| Net loans and leases to deposits | 58.7677% | 3,582 |
| Net loans and leases to core deposits | 65.4586% | 3,282 |
| Total domestic deposits to total assets | 85.6365% | 2,878 |
| Equity capital to assets | 9.6947% | 3,006 |
| Core capital (leverage) ratio | 9.7183% | 2,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,774,000 | 4,245 |
| Average earning assets | $80,191,000 | 4,214 |
| Average equity | $8,215,500 | 4,418 |
| Average total loans | $43,758,500 | 4,215 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 2,359 |
| Cost of funding earning assets | 0.7311% | 1,558 |
| Net interest margin | 3.3916% | 2,806 |
| Noninterest income to average assets | 0.1684% | 4,448 |
| Noninterest expense to average assets | 2.3810% | 3,174 |
| Loan and lease loss provision to assets | 0.0944% | 3,167 |
| Net operating income to assets | 0.6919% | 3,461 |
| Return on assets (ROA) | 0.6980% | 3,574 |
| Pretax return on assets | 0.8791% | 3,428 |
| Return on Equity (ROE) | 6.9055% | 3,244 |
| Retained earnings to average equity (ytd only) | 5.6431% | 1,973 |
| Net charge-offs to loans | 0.1169% | 1,317 |
| Credit loss provision to net charge-offs | 148.0000% | 2,434 |
| Earnings coverage of net charge-offs (x) | 15.1400% | 2,182 |
| Efficiency ratio | 71.1399% | 1,789 |
| Assets per employee ($millions) | 5.2381% | 3,107 |
| Cash dividends to net income (ytd only)* | 18.2815% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 2,790 |
| Loan loss allowance to noncurrent loans | 110.0000% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5847% | 1,805 |
| Noncurrent loans to loans | 1.1188% | 1,269 |
| Net loans and leases to total assets | 51.6144% | 3,696 |
| Net loans and leases to deposits | 60.4069% | 3,724 |
| Net loans and leases to core deposits | 67.4725% | 3,443 |
| Total domestic deposits to total assets | 85.4445% | 2,595 |
| Equity capital to assets | 9.6874% | 3,423 |
| Core capital (leverage) ratio | 9.6416% | 2,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,372,000 | 4,261 |
| Average earning assets | $73,447,000 | 4,244 |
| Average equity | $7,921,200 | 4,431 |
| Average total loans | $42,760,400 | 4,260 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2965% | 2,106 |
| Cost of funding earning assets | 0.7592% | 1,682 |
| Net interest margin | 3.5373% | 2,468 |
| Noninterest income to average assets | 0.1766% | 4,407 |
| Noninterest expense to average assets | 2.4082% | 3,110 |
| Loan and lease loss provision to assets | 0.0870% | 3,225 |
| Net operating income to assets | 0.7933% | 3,115 |
| Return on assets (ROA) | 0.8016% | 3,201 |
| Pretax return on assets | 1.0076% | 3,044 |
| Return on Equity (ROE) | 7.8422% | 2,866 |
| Retained earnings to average equity (ytd only) | 6.5719% | 1,859 |
| Net charge-offs to loans | 0.0251% | 2,333 |
| Credit loss provision to net charge-offs | 625.0000% | 1,143 |
| Earnings coverage of net charge-offs (x) | 78.2500% | 935 |
| Efficiency ratio | 68.9638% | 2,045 |
| Assets per employee ($millions) | 5.0467% | 3,188 |
| Cash dividends to net income (ytd only)* | 16.1987% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 2,381 |
| Loan loss allowance to noncurrent loans | 88.1329% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.7827% | 1,477 |
| Noncurrent loans to loans | 1.4220% | 1,015 |
| Net loans and leases to total assets | 54.3525% | 3,774 |
| Net loans and leases to deposits | 64.1684% | 3,784 |
| Net loans and leases to core deposits | 71.7089% | 3,497 |
| Total domestic deposits to total assets | 84.7028% | 2,550 |
| Equity capital to assets | 9.9830% | 3,238 |
| Core capital (leverage) ratio | 10.0311% | 2,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,012,500 | 4,288 |
| Average earning assets | $72,180,750 | 4,269 |
| Average equity | $7,871,750 | 4,457 |
| Average total loans | $42,501,250 | 4,290 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 1,898 |
| Cost of funding earning assets | 0.8149% | 1,758 |
| Net interest margin | 3.6898% | 2,203 |
| Noninterest income to average assets | 0.1795% | 4,388 |
| Noninterest expense to average assets | 2.4496% | 3,108 |
| Loan and lease loss provision to assets | 0.0792% | 3,304 |
| Net operating income to assets | 0.8675% | 2,815 |
| Return on assets (ROA) | 0.8737% | 2,912 |
| Pretax return on assets | 1.1007% | 2,707 |
| Return on Equity (ROE) | 8.4778% | 2,566 |
| Retained earnings to average equity (ytd only) | 7.1971% | 1,573 |
| Net charge-offs to loans | 0.0382% | 1,982 |
| Credit loss provision to net charge-offs | 375.0000% | 1,459 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 1,025 |
| Efficiency ratio | 67.6385% | 2,287 |
| Assets per employee ($millions) | 4.9767% | 3,199 |
| Cash dividends to net income (ytd only)* | 15.1057% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 2,305 |
| Loan loss allowance to noncurrent loans | 367.8082% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1834% | 3,613 |
| Noncurrent loans to loans | 0.3373% | 3,184 |
| Net loans and leases to total assets | 53.6878% | 3,900 |
| Net loans and leases to deposits | 63.5527% | 3,915 |
| Net loans and leases to core deposits | 71.1528% | 3,636 |
| Total domestic deposits to total assets | 84.4776% | 2,566 |
| Equity capital to assets | 9.9878% | 3,218 |
| Core capital (leverage) ratio | 10.1134% | 2,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,767,667 | 4,313 |
| Average earning assets | $70,680,667 | 4,299 |
| Average equity | $7,808,667 | 4,483 |
| Average total loans | $41,853,333 | 4,315 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 1,935 |
| Cost of funding earning assets | 0.8579% | 2,069 |
| Net interest margin | 3.7644% | 2,100 |
| Noninterest income to average assets | 0.2113% | 4,282 |
| Noninterest expense to average assets | 2.5840% | 3,027 |
| Loan and lease loss provision to assets | 0.0813% | 2,688 |
| Net operating income to assets | 0.8160% | 2,852 |
| Return on assets (ROA) | 0.8288% | 2,887 |
| Pretax return on assets | 1.0564% | 2,650 |
| Return on Equity (ROE) | 7.9106% | 2,553 |
| Retained earnings to average equity (ytd only) | 6.6180% | 1,677 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7368% | 2,395 |
| Assets per employee ($millions) | 4.4186% | 3,381 |
| Cash dividends to net income (ytd only)* | 16.3399% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 2,464 |
| Loan loss allowance to noncurrent loans | 278.9474% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 3,438 |
| Noncurrent loans to loans | 0.4437% | 2,926 |
| Net loans and leases to total assets | 56.2969% | 3,815 |
| Net loans and leases to deposits | 67.3923% | 3,771 |
| Net loans and leases to core deposits | 74.6861% | 3,591 |
| Total domestic deposits to total assets | 83.5361% | 2,936 |
| Equity capital to assets | 10.3853% | 3,435 |
| Core capital (leverage) ratio | 10.5573% | 2,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,838,000 | 4,346 |
| Average earning assets | $68,536,000 | 4,342 |
| Average equity | $7,736,500 | 4,517 |
| Average total loans | $41,136,500 | 4,348 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4177% | 3,199 |
| Cost of funding earning assets | 0.8430% | 2,469 |
| Net interest margin | 3.5748% | 3,216 |
| Noninterest income to average assets | 0.3631% | 3,531 |
| Noninterest expense to average assets | 2.6246% | 3,109 |
| Loan and lease loss provision to assets | 0.0693% | 2,621 |
| Net operating income to assets | 0.8115% | 3,523 |
| Return on assets (ROA) | 0.8259% | 3,563 |
| Pretax return on assets | 1.0310% | 3,385 |
| Return on Equity (ROE) | 8.0362% | 3,147 |
| Retained earnings to average equity (ytd only) | 6.6879% | 1,530 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8037% | 2,047 |
| Assets per employee ($millions) | 4.2682% | 3,553 |
| Cash dividends to net income (ytd only)* | 16.7785% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 1,897 |
| Loan loss allowance to noncurrent loans | 334.4156% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 3,614 |
| Noncurrent loans to loans | 0.3903% | 3,035 |
| Net loans and leases to total assets | 53.6659% | 4,097 |
| Net loans and leases to deposits | 64.5621% | 4,039 |
| Net loans and leases to core deposits | 71.5243% | 3,884 |
| Total domestic deposits to total assets | 83.1229% | 3,157 |
| Equity capital to assets | 10.5733% | 3,370 |
| Core capital (leverage) ratio | 10.3147% | 3,173 |
| Tier 1 risk-based capital ratio | 18.3915% | 1,667 |
| Total risk-based capital ratio | 19.6260% | 1,639 |
| Memoranda: | ||
| Average total assets | $72,162,600 | 4,391 |
| Average earning assets | $67,500,600 | 4,381 |
| Average equity | $7,416,400 | 4,584 |
| Average total loans | $39,184,200 | 4,422 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3790% | 3,426 |
| Cost of funding earning assets | 0.8179% | 2,625 |
| Net interest margin | 3.5612% | 3,367 |
| Noninterest income to average assets | 0.4052% | 3,282 |
| Noninterest expense to average assets | 2.6217% | 3,099 |
| Loan and lease loss provision to assets | 0.0666% | 2,553 |
| Net operating income to assets | 0.8679% | 3,459 |
| Return on assets (ROA) | 0.8770% | 3,506 |
| Pretax return on assets | 1.0713% | 3,373 |
| Return on Equity (ROE) | 8.5954% | 3,060 |
| Retained earnings to average equity (ytd only) | 7.2355% | 1,743 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9408% | 2,125 |
| Assets per employee ($millions) | 4.5923% | 3,061 |
| Cash dividends to net income (ytd only)* | 15.8233% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 2,073 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 3,670 |
| Noncurrent loans to loans | 0.4263% | 3,030 |
| Net loans and leases to total assets | 52.6349% | 4,274 |
| Net loans and leases to deposits | 63.2135% | 4,225 |
| Net loans and leases to core deposits | 69.5400% | 4,074 |
| Total domestic deposits to total assets | 83.2653% | 3,074 |
| Equity capital to assets | 10.3095% | 3,709 |
| Core capital (leverage) ratio | 10.4228% | 3,167 |
| Tier 1 risk-based capital ratio | 18.9484% | 1,577 |
| Total risk-based capital ratio | 20.1991% | 1,550 |
| Memoranda: | ||
| Average total assets | $72,063,250 | 4,450 |
| Average earning assets | $67,653,750 | 4,431 |
| Average equity | $7,352,500 | 4,648 |
| Average total loans | $39,116,500 | 4,480 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3356% | 3,526 |
| Cost of funding earning assets | 0.8042% | 2,622 |
| Net interest margin | 3.5314% | 3,496 |
| Noninterest income to average assets | 0.3269% | 3,754 |
| Noninterest expense to average assets | 2.7489% | 2,755 |
| Loan and lease loss provision to assets | 0.0587% | 2,651 |
| Net operating income to assets | 0.7012% | 4,003 |
| Return on assets (ROA) | 0.7012% | 4,058 |
| Pretax return on assets | 0.8437% | 3,989 |
| Return on Equity (ROE) | 6.8972% | 3,714 |
| Retained earnings to average equity (ytd only) | 5.5232% | 2,508 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2869% | 1,484 |
| Assets per employee ($millions) | 4.2788% | 3,469 |
| Cash dividends to net income (ytd only)* | 19.9203% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 2,410 |
| Loan loss allowance to noncurrent loans | 182.7068% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3836% | 2,967 |
| Noncurrent loans to loans | 0.6686% | 2,289 |
| Net loans and leases to total assets | 54.0288% | 4,205 |
| Net loans and leases to deposits | 64.8633% | 4,173 |
| Net loans and leases to core deposits | 71.3003% | 4,047 |
| Total domestic deposits to total assets | 83.2964% | 3,116 |
| Equity capital to assets | 10.1417% | 3,844 |
| Core capital (leverage) ratio | 10.3821% | 3,208 |
| Tier 1 risk-based capital ratio | 17.9524% | 1,820 |
| Total risk-based capital ratio | 19.1351% | 1,786 |
| Memoranda: | ||
| Average total assets | $71,592,330 | 4,493 |
| Average earning assets | $67,395,000 | 4,473 |
| Average equity | $7,278,330 | 4,686 |
| Average total loans | $39,097,000 | 4,517 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2949% | 3,579 |
| Cost of funding earning assets | 0.7597% | 2,739 |
| Net interest margin | 3.5352% | 3,483 |
| Noninterest income to average assets | 0.2366% | 4,320 |
| Noninterest expense to average assets | 2.6246% | 3,144 |
| Loan and lease loss provision to assets | 0.0676% | 2,319 |
| Net operating income to assets | 0.7378% | 3,811 |
| Return on assets (ROA) | 0.7378% | 3,861 |
| Pretax return on assets | 0.8730% | 3,848 |
| Return on Equity (ROE) | 7.2486% | 3,569 |
| Retained earnings to average equity (ytd only) | 5.8653% | 2,512 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6177% | 1,796 |
| Assets per employee ($millions) | 4.1698% | 3,673 |
| Cash dividends to net income (ytd only)* | 19.0840% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 2,462 |
| Loan loss allowance to noncurrent loans | 326.7123% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 3,722 |
| Noncurrent loans to loans | 0.3743% | 3,242 |
| Net loans and leases to total assets | 54.3577% | 4,188 |
| Net loans and leases to deposits | 65.6590% | 4,081 |
| Net loans and leases to core deposits | 72.8145% | 3,883 |
| Total domestic deposits to total assets | 82.7879% | 3,468 |
| Equity capital to assets | 10.2728% | 3,552 |
| Core capital (leverage) ratio | 10.4054% | 3,156 |
| Tier 1 risk-based capital ratio | 18.3903% | 1,691 |
| Total risk-based capital ratio | 19.5949% | 1,648 |
| Memoranda: | ||
| Average total assets | $71,019,000 | 4,550 |
| Average earning assets | $66,869,500 | 4,532 |
| Average equity | $7,229,000 | 4,725 |
| Average total loans | $38,752,500 | 4,575 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0977% | 3,747 |
| Cost of funding earning assets | 0.6534% | 2,371 |
| Net interest margin | 3.4444% | 3,869 |
| Noninterest income to average assets | 0.2753% | 4,262 |
| Noninterest expense to average assets | 2.7169% | 2,971 |
| Loan and lease loss provision to assets | 0.0617% | 2,925 |
| Net operating income to assets | 0.6065% | 4,397 |
| Return on assets (ROA) | 0.6065% | 4,406 |
| Pretax return on assets | 0.7240% | 4,352 |
| Return on Equity (ROE) | 6.0332% | 4,163 |
| Retained earnings to average equity (ytd only) | 4.6069% | 2,993 |
| Net charge-offs to loans | 0.0893% | 1,885 |
| Credit loss provision to net charge-offs | 130.3030% | 2,029 |
| Earnings coverage of net charge-offs (x) | 16.6061% | 2,236 |
| Efficiency ratio | 77.5686% | 1,174 |
| Assets per employee ($millions) | 4.1854% | 3,632 |
| Cash dividends to net income (ytd only)* | 23.6407% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 2,526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 4,773 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 53.4504% | 4,319 |
| Net loans and leases to deposits | 64.4746% | 4,224 |
| Net loans and leases to core deposits | 71.4586% | 4,030 |
| Total domestic deposits to total assets | 82.9014% | 3,363 |
| Equity capital to assets | 10.0855% | 3,590 |
| Core capital (leverage) ratio | 10.3037% | 3,244 |
| Tier 1 risk-based capital ratio | 18.1721% | 1,712 |
| Total risk-based capital ratio | 19.3497% | 1,687 |
| Memoranda: | ||
| Average total assets | $69,747,600 | 4,579 |
| Average earning assets | $65,353,400 | 4,570 |
| Average equity | $7,011,200 | 4,748 |
| Average total loans | $36,941,800 | 4,634 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 3,799 |
| Cost of funding earning assets | 0.6188% | 2,348 |
| Net interest margin | 3.4273% | 3,926 |
| Noninterest income to average assets | 0.2767% | 4,304 |
| Noninterest expense to average assets | 2.7378% | 2,850 |
| Loan and lease loss provision to assets | 0.0480% | 3,032 |
| Net operating income to assets | 0.5898% | 4,526 |
| Return on assets (ROA) | 0.5898% | 4,535 |
| Pretax return on assets | 0.6936% | 4,548 |
| Return on Equity (ROE) | 5.8726% | 4,296 |
| Retained earnings to average equity (ytd only) | 4.4380% | 3,530 |
| Net charge-offs to loans | 0.1204% | 1,308 |
| Credit loss provision to net charge-offs | 75.7576% | 2,573 |
| Earnings coverage of net charge-offs (x) | 11.6966% | 2,497 |
| Efficiency ratio | 78.6858% | 1,058 |
| Assets per employee ($millions) | 4.0816% | 3,765 |
| Cash dividends to net income (ytd only)* | 24.4308% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 2,401 |
| Loan loss allowance to noncurrent loans | 2,483.3333% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 4,648 |
| Noncurrent loans to loans | 0.0500% | 4,670 |
| Net loans and leases to total assets | 51.2603% | 4,514 |
| Net loans and leases to deposits | 61.5459% | 4,468 |
| Net loans and leases to core deposits | 67.1335% | 4,344 |
| Total domestic deposits to total assets | 83.2879% | 3,203 |
| Equity capital to assets | 10.2108% | 3,439 |
| Core capital (leverage) ratio | 10.3205% | 3,269 |
| Tier 1 risk-based capital ratio | 19.1089% | 1,512 |
| Total risk-based capital ratio | 20.3145% | 1,493 |
| Memoranda: | ||
| Average total assets | $69,396,500 | 4,634 |
| Average earning assets | $64,849,750 | 4,626 |
| Average equity | $6,970,000 | 4,803 |
| Average total loans | $36,553,250 | 4,691 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0010% | 3,784 |
| Cost of funding earning assets | 0.6077% | 2,173 |
| Net interest margin | 3.3933% | 3,971 |
| Noninterest income to average assets | 0.3026% | 4,153 |
| Noninterest expense to average assets | 2.7320% | 2,901 |
| Loan and lease loss provision to assets | 0.0202% | 3,499 |
| Net operating income to assets | 0.6110% | 4,463 |
| Return on assets (ROA) | 0.6110% | 4,468 |
| Pretax return on assets | 0.7205% | 4,456 |
| Return on Equity (ROE) | 6.1169% | 4,188 |
| Retained earnings to average equity (ytd only) | 4.6742% | 3,249 |
| Net charge-offs to loans | 0.1525% | 1,012 |
| Credit loss provision to net charge-offs | 25.0000% | 2,658 |
| Earnings coverage of net charge-offs (x) | 9.1786% | 2,413 |
| Efficiency ratio | 78.6722% | 1,147 |
| Assets per employee ($millions) | 3.8354% | 4,156 |
| Cash dividends to net income (ytd only)* | 23.5849% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 2,798 |
| Loan loss allowance to noncurrent loans | 140.0000% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 2,732 |
| Noncurrent loans to loans | 0.8488% | 2,024 |
| Net loans and leases to total assets | 52.2720% | 4,463 |
| Net loans and leases to deposits | 62.8693% | 4,365 |
| Net loans and leases to core deposits | 68.9446% | 4,205 |
| Total domestic deposits to total assets | 83.1438% | 3,371 |
| Equity capital to assets | 10.1612% | 3,475 |
| Core capital (leverage) ratio | 10.1583% | 3,410 |
| Tier 1 risk-based capital ratio | 18.7097% | 1,622 |
| Total risk-based capital ratio | 19.8672% | 1,610 |
| Memoranda: | ||
| Average total assets | $69,399,670 | 4,690 |
| Average earning assets | $64,833,330 | 4,681 |
| Average equity | $6,931,670 | 4,855 |
| Average total loans | $36,732,670 | 4,728 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8912% | 3,953 |
| Cost of funding earning assets | 0.5735% | 2,227 |
| Net interest margin | 3.3177% | 4,141 |
| Noninterest income to average assets | 0.2357% | 4,597 |
| Noninterest expense to average assets | 2.6674% | 3,140 |
| Loan and lease loss provision to assets | 0.0057% | 3,431 |
| Net operating income to assets | 0.5691% | 4,520 |
| Return on assets (ROA) | 0.5691% | 4,522 |
| Pretax return on assets | 0.6554% | 4,558 |
| Return on Equity (ROE) | 5.7475% | 4,237 |
| Retained earnings to average equity (ytd only) | 4.2961% | 3,466 |
| Net charge-offs to loans | 0.1846% | 793 |
| Credit loss provision to net charge-offs | 5.8824% | 2,184 |
| Earnings coverage of net charge-offs (x) | 6.7647% | 2,141 |
| Efficiency ratio | 80.1382% | 1,122 |
| Assets per employee ($millions) | 3.8817% | 4,175 |
| Cash dividends to net income (ytd only)* | 25.2525% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 2,840 |
| Loan loss allowance to noncurrent loans | 133.8415% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.8344% | 1,898 |
| Noncurrent loans to loans | 0.8919% | 2,042 |
| Net loans and leases to total assets | 52.0044% | 4,436 |
| Net loans and leases to deposits | 62.3601% | 4,315 |
| Net loans and leases to core deposits | 67.9673% | 4,218 |
| Total domestic deposits to total assets | 83.3937% | 3,548 |
| Equity capital to assets | 9.9140% | 3,681 |
| Core capital (leverage) ratio | 10.0436% | 3,480 |
| Tier 1 risk-based capital ratio | 18.1316% | 1,797 |
| Total risk-based capital ratio | 19.2807% | 1,776 |
| Memoranda: | ||
| Average total assets | $69,581,000 | 4,743 |
| Average earning assets | $64,864,500 | 4,736 |
| Average equity | $6,890,000 | 4,910 |
| Average total loans | $36,838,500 | 4,782 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8965% | 3,735 |
| Cost of funding earning assets | 0.5359% | 2,065 |
| Net interest margin | 3.3607% | 3,971 |
| Noninterest income to average assets | 0.2629% | 4,564 |
| Noninterest expense to average assets | 2.6873% | 3,172 |
| Loan and lease loss provision to assets | 0.0570% | 3,090 |
| Net operating income to assets | 0.6282% | 3,897 |
| Return on assets (ROA) | 0.6309% | 3,923 |
| Pretax return on assets | 0.6631% | 4,597 |
| Return on Equity (ROE) | 6.4615% | 3,546 |
| Retained earnings to average equity (ytd only) | 4.9657% | 2,152 |
| Net charge-offs to loans | -0.0279% | 5,045 |
| Credit loss provision to net charge-offs | -390.0000% | 4,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9361% | 1,229 |
| Assets per employee ($millions) | 3.8495% | 4,204 |
| Cash dividends to net income (ytd only)* | 23.1481% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 2,581 |
| Loan loss allowance to noncurrent loans | 1,109.7561% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.4070% | 3,229 |
| Noncurrent loans to loans | 0.1111% | 4,485 |
| Net loans and leases to total assets | 52.5999% | 4,476 |
| Net loans and leases to deposits | 64.9783% | 4,261 |
| Net loans and leases to core deposits | 71.0676% | 4,106 |
| Total domestic deposits to total assets | 80.9499% | 4,126 |
| Equity capital to assets | 9.8902% | 3,829 |
| Core capital (leverage) ratio | 9.9514% | 3,514 |
| Tier 1 risk-based capital ratio | 17.9741% | 1,810 |
| Total risk-based capital ratio | 19.1675% | 1,773 |
| Memoranda: | ||
| Average total assets | $68,469,200 | 4,803 |
| Average earning assets | $64,005,400 | 4,786 |
| Average equity | $6,685,800 | 4,995 |
| Average total loans | $35,795,400 | 4,853 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8766% | 3,749 |
| Cost of funding earning assets | 0.5120% | 2,168 |
| Net interest margin | 3.3646% | 3,969 |
| Noninterest income to average assets | 0.2734% | 4,549 |
| Noninterest expense to average assets | 2.5860% | 3,451 |
| Loan and lease loss provision to assets | 0.0586% | 2,908 |
| Net operating income to assets | 0.5825% | 4,452 |
| Return on assets (ROA) | 0.5840% | 4,484 |
| Pretax return on assets | 0.7754% | 4,418 |
| Return on Equity (ROE) | 6.0003% | 4,125 |
| Retained earnings to average equity (ytd only) | 4.4952% | 3,225 |
| Net charge-offs to loans | -0.0788% | 5,313 |
| Credit loss provision to net charge-offs | -142.8571% | 4,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6571% | 1,645 |
| Assets per employee ($millions) | 4.0205% | 3,957 |
| Cash dividends to net income (ytd only)* | 25.0840% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 2,472 |
| Loan loss allowance to noncurrent loans | 3,808.3333% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 3,334 |
| Noncurrent loans to loans | 0.0336% | 4,971 |
| Net loans and leases to total assets | 51.6592% | 4,598 |
| Net loans and leases to deposits | 63.4557% | 4,416 |
| Net loans and leases to core deposits | 68.9044% | 4,308 |
| Total domestic deposits to total assets | 81.4098% | 3,943 |
| Equity capital to assets | 9.8686% | 4,064 |
| Core capital (leverage) ratio | 9.8102% | 3,807 |
| Tier 1 risk-based capital ratio | 19.7176% | 1,434 |
| Total risk-based capital ratio | 20.9688% | 1,393 |
| Memoranda: | ||
| Average total assets | $68,263,750 | 4,857 |
| Average earning assets | $63,800,500 | 4,839 |
| Average equity | $6,644,000 | 5,054 |
| Average total loans | $35,518,750 | 4,904 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8460% | 3,738 |
| Cost of funding earning assets | 0.5055% | 2,126 |
| Net interest margin | 3.3405% | 3,981 |
| Noninterest income to average assets | 0.2784% | 4,559 |
| Noninterest expense to average assets | 2.4415% | 3,939 |
| Loan and lease loss provision to assets | 0.0616% | 2,732 |
| Net operating income to assets | 0.6888% | 3,893 |
| Return on assets (ROA) | 0.6888% | 3,959 |
| Pretax return on assets | 0.8940% | 3,955 |
| Return on Equity (ROE) | 7.1101% | 3,494 |
| Retained earnings to average equity (ytd only) | 5.5973% | 2,356 |
| Net charge-offs to loans | -0.0959% | 5,396 |
| Credit loss provision to net charge-offs | -123.5294% | 4,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8723% | 2,359 |
| Assets per employee ($millions) | 4.0585% | 3,862 |
| Cash dividends to net income (ytd only)* | 21.2766% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 2,765 |
| Loan loss allowance to noncurrent loans | 837.7358% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.5522% | 2,921 |
| Noncurrent loans to loans | 0.1478% | 4,520 |
| Net loans and leases to total assets | 51.3190% | 4,623 |
| Net loans and leases to deposits | 63.0680% | 4,429 |
| Net loans and leases to core deposits | 68.4312% | 4,327 |
| Total domestic deposits to total assets | 81.3708% | 4,084 |
| Equity capital to assets | 9.7197% | 4,206 |
| Core capital (leverage) ratio | 9.7869% | 3,794 |
| Tier 1 risk-based capital ratio | 17.8157% | 1,915 |
| Total risk-based capital ratio | 18.9952% | 1,895 |
| Memoranda: | ||
| Average total assets | $68,235,670 | 4,892 |
| Average earning assets | $63,702,670 | 4,874 |
| Average equity | $6,610,330 | 5,089 |
| Average total loans | $35,436,670 | 4,942 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8235% | 3,680 |
| Cost of funding earning assets | 0.4866% | 2,191 |
| Net interest margin | 3.3368% | 3,896 |
| Noninterest income to average assets | 0.3006% | 4,413 |
| Noninterest expense to average assets | 2.5289% | 3,721 |
| Loan and lease loss provision to assets | 0.0825% | 2,169 |
| Net operating income to assets | 0.6366% | 3,995 |
| Return on assets (ROA) | 0.6366% | 4,036 |
| Pretax return on assets | 0.8017% | 4,108 |
| Return on Equity (ROE) | 6.5829% | 3,615 |
| Retained earnings to average equity (ytd only) | 5.0590% | 2,857 |
| Net charge-offs to loans | -0.1930% | 5,611 |
| Credit loss provision to net charge-offs | -82.3529% | 3,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0933% | 2,217 |
| Assets per employee ($millions) | 4.0316% | 3,960 |
| Cash dividends to net income (ytd only)* | 23.1481% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 2,896 |
| Loan loss allowance to noncurrent loans | 824.5283% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.5588% | 2,998 |
| Noncurrent loans to loans | 0.1502% | 4,589 |
| Net loans and leases to total assets | 50.8579% | 4,600 |
| Net loans and leases to deposits | 61.2009% | 4,481 |
| Net loans and leases to core deposits | 67.2577% | 4,335 |
| Total domestic deposits to total assets | 83.0999% | 3,799 |
| Equity capital to assets | 9.6355% | 4,144 |
| Core capital (leverage) ratio | 9.7128% | 3,858 |
| Tier 1 risk-based capital ratio | 18.1150% | 1,830 |
| Total risk-based capital ratio | 19.3137% | 1,814 |
| Memoranda: | ||
| Average total assets | $67,856,500 | 4,955 |
| Average earning assets | $63,293,500 | 4,935 |
| Average equity | $6,562,500 | 5,144 |
| Average total loans | $35,229,500 | 4,993 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8851% | 3,627 |
| Cost of funding earning assets | 0.4923% | 2,148 |
| Net interest margin | 3.3928% | 3,844 |
| Noninterest income to average assets | 0.5407% | 2,973 |
| Noninterest expense to average assets | 2.5934% | 3,692 |
| Loan and lease loss provision to assets | 0.1218% | 2,025 |
| Net operating income to assets | 0.7827% | 3,387 |
| Return on assets (ROA) | 0.7961% | 3,420 |
| Pretax return on assets | 0.9744% | 3,563 |
| Return on Equity (ROE) | 8.4660% | 2,694 |
| Retained earnings to average equity (ytd only) | 6.8865% | 1,277 |
| Net charge-offs to loans | 0.1261% | 1,985 |
| Credit loss provision to net charge-offs | 186.3636% | 1,508 |
| Earnings coverage of net charge-offs (x) | 16.5227% | 2,100 |
| Efficiency ratio | 70.6025% | 2,813 |
| Assets per employee ($millions) | 3.9515% | 4,057 |
| Cash dividends to net income (ytd only)* | 18.6567% | 3,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 3,405 |
| Loan loss allowance to noncurrent loans | 1,353.3333% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 3,103 |
| Noncurrent loans to loans | 0.0853% | 4,899 |
| Net loans and leases to total assets | 51.7440% | 4,632 |
| Net loans and leases to deposits | 62.2052% | 4,527 |
| Net loans and leases to core deposits | 67.5220% | 4,431 |
| Total domestic deposits to total assets | 83.1827% | 3,703 |
| Equity capital to assets | 9.7075% | 4,058 |
| Core capital (leverage) ratio | 9.7053% | 3,852 |
| Tier 1 risk-based capital ratio | 17.9434% | 1,864 |
| Total risk-based capital ratio | 19.0606% | 1,862 |
| Memoranda: | ||
| Average total assets | $67,324,400 | 4,983 |
| Average earning assets | $62,161,000 | 4,977 |
| Average equity | $6,331,200 | 5,223 |
| Average total loans | $34,883,200 | 5,041 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9095% | 3,551 |
| Cost of funding earning assets | 0.4788% | 2,279 |
| Net interest margin | 3.4307% | 3,738 |
| Noninterest income to average assets | 0.6393% | 2,480 |
| Noninterest expense to average assets | 2.5771% | 3,737 |
| Loan and lease loss provision to assets | 0.1445% | 1,621 |
| Net operating income to assets | 0.8747% | 3,031 |
| Return on assets (ROA) | 0.8907% | 3,092 |
| Pretax return on assets | 1.1005% | 3,235 |
| Return on Equity (ROE) | 9.5483% | 2,247 |
| Retained earnings to average equity (ytd only) | 7.9569% | 1,189 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7772% | 3,266 |
| Assets per employee ($millions) | 3.8562% | 4,205 |
| Cash dividends to net income (ytd only)* | 16.6669% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 3,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 3,366 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 53.8144% | 4,506 |
| Net loans and leases to deposits | 63.9964% | 4,489 |
| Net loans and leases to core deposits | 69.5476% | 4,360 |
| Total domestic deposits to total assets | 84.0897% | 3,190 |
| Equity capital to assets | 9.8543% | 4,296 |
| Core capital (leverage) ratio | 9.8374% | 3,768 |
| Tier 1 risk-based capital ratio | 17.5153% | 2,073 |
| Total risk-based capital ratio | 18.7110% | 2,053 |
| Memoranda: | ||
| Average total assets | $67,361,750 | 5,028 |
| Average earning assets | $62,104,250 | 5,021 |
| Average equity | $6,283,750 | 5,286 |
| Average total loans | $34,812,750 | 5,097 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8532% | 3,763 |
| Cost of funding earning assets | 0.4812% | 2,259 |
| Net interest margin | 3.3719% | 3,996 |
| Noninterest income to average assets | 0.8151% | 1,658 |
| Noninterest expense to average assets | 2.5543% | 3,881 |
| Loan and lease loss provision to assets | 0.0559% | 3,026 |
| Net operating income to assets | 1.1023% | 1,950 |
| Return on assets (ROA) | 1.1271% | 1,975 |
| Pretax return on assets | 1.3478% | 2,215 |
| Return on Equity (ROE) | 12.3052% | 1,209 |
| Retained earnings to average equity (ytd only) | 10.6988% | 479 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0187% | 3,846 |
| Assets per employee ($millions) | 3.9418% | 4,014 |
| Cash dividends to net income (ytd only)* | 13.0548% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 4,055 |
| Loan loss allowance to noncurrent loans | 202.6178% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.8058% | 2,581 |
| Noncurrent loans to loans | 0.5327% | 3,481 |
| Net loans and leases to total assets | 52.9294% | 4,598 |
| Net loans and leases to deposits | 62.6477% | 4,602 |
| Net loans and leases to core deposits | 67.9268% | 4,478 |
| Total domestic deposits to total assets | 84.4874% | 3,096 |
| Equity capital to assets | 9.5792% | 4,692 |
| Core capital (leverage) ratio | 9.5689% | 4,108 |
| Tier 1 risk-based capital ratio | 17.2063% | 2,153 |
| Total risk-based capital ratio | 18.2437% | 2,182 |
| Memoranda: | ||
| Average total assets | $67,964,000 | 5,069 |
| Average earning assets | $62,753,330 | 5,058 |
| Average equity | $6,225,000 | 5,346 |
| Average total loans | $34,510,670 | 5,156 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7895% | 3,979 |
| Cost of funding earning assets | 0.5006% | 2,097 |
| Net interest margin | 3.2889% | 4,265 |
| Noninterest income to average assets | 0.3039% | 4,552 |
| Noninterest expense to average assets | 2.5365% | 3,957 |
| Loan and lease loss provision to assets | 0.0234% | 3,379 |
| Net operating income to assets | 0.6118% | 4,122 |
| Return on assets (ROA) | 0.6487% | 4,101 |
| Pretax return on assets | 0.8241% | 4,125 |
| Return on Equity (ROE) | 7.2454% | 3,321 |
| Retained earnings to average equity (ytd only) | 5.6136% | 2,571 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0070% | 2,176 |
| Assets per employee ($millions) | 3.9736% | 4,000 |
| Cash dividends to net income (ytd only)* | 22.5225% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 4,124 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6632% | 3,072 |
| Noncurrent loans to loans | 0.2719% | 4,460 |
| Net loans and leases to total assets | 50.0799% | 4,797 |
| Net loans and leases to deposits | 60.5209% | 4,678 |
| Net loans and leases to core deposits | 64.7489% | 4,639 |
| Total domestic deposits to total assets | 82.7481% | 3,986 |
| Equity capital to assets | 9.1352% | 5,050 |
| Core capital (leverage) ratio | 9.1712% | 4,631 |
| Tier 1 risk-based capital ratio | 16.8088% | 2,362 |
| Total risk-based capital ratio | 17.8220% | 2,399 |
| Memoranda: | ||
| Average total assets | $68,441,000 | 5,108 |
| Average earning assets | $63,122,000 | 5,096 |
| Average equity | $6,128,000 | 5,396 |
| Average total loans | $33,838,500 | 5,218 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7904% | 4,074 |
| Cost of funding earning assets | 0.4957% | 2,193 |
| Net interest margin | 3.2947% | 4,310 |
| Noninterest income to average assets | 0.2435% | 5,140 |
| Noninterest expense to average assets | 2.4835% | 4,279 |
| Loan and lease loss provision to assets | 0.0288% | 3,794 |
| Net operating income to assets | 0.7088% | 3,770 |
| Return on assets (ROA) | 0.6843% | 3,988 |
| Pretax return on assets | 0.7707% | 4,298 |
| Return on Equity (ROE) | 7.9988% | 2,957 |
| Retained earnings to average equity (ytd only) | 4.9677% | 2,443 |
| Net charge-offs to loans | 0.0408% | 3,402 |
| Credit loss provision to net charge-offs | 153.8462% | 1,735 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 1,088 |
| Efficiency ratio | 75.0871% | 2,415 |
| Assets per employee ($millions) | 4.0782% | 3,800 |
| Cash dividends to net income (ytd only)* | 37.8947% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 4,055 |
| Loan loss allowance to noncurrent loans | 276.6917% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.7183% | 2,902 |
| Noncurrent loans to loans | 0.3973% | 4,032 |
| Net loans and leases to total assets | 47.7528% | 5,034 |
| Net loans and leases to deposits | 57.4057% | 4,952 |
| Net loans and leases to core deposits | 61.3695% | 4,904 |
| Total domestic deposits to total assets | 83.1848% | 3,780 |
| Equity capital to assets | 8.7769% | 5,329 |
| Core capital (leverage) ratio | 8.8841% | 5,021 |
| Tier 1 risk-based capital ratio | 16.6580% | 2,405 |
| Total risk-based capital ratio | 17.6654% | 2,477 |
| Memoranda: | ||
| Average total assets | $69,417,000 | 5,104 |
| Average earning assets | $64,557,800 | 5,072 |
| Average equity | $5,938,400 | 5,451 |
| Average total loans | $31,856,800 | 5,301 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7865% | 4,136 |
| Cost of funding earning assets | 0.4909% | 2,310 |
| Net interest margin | 3.2957% | 4,366 |
| Noninterest income to average assets | 0.2381% | 5,229 |
| Noninterest expense to average assets | 2.4750% | 4,272 |
| Loan and lease loss provision to assets | 0.0096% | 4,078 |
| Net operating income to assets | 0.7200% | 3,818 |
| Return on assets (ROA) | 0.6874% | 4,075 |
| Pretax return on assets | 0.7892% | 4,367 |
| Return on Equity (ROE) | 8.0878% | 3,032 |
| Retained earnings to average equity (ytd only) | 5.0380% | 2,887 |
| Net charge-offs to loans | 0.0551% | 2,815 |
| Credit loss provision to net charge-offs | 38.4615% | 3,177 |
| Earnings coverage of net charge-offs (x) | 33.3133% | 1,394 |
| Efficiency ratio | 74.8548% | 2,430 |
| Assets per employee ($millions) | 4.2719% | 3,378 |
| Cash dividends to net income (ytd only)* | 37.7106% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 4,360 |
| Loan loss allowance to noncurrent loans | 320.9091% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.6862% | 3,191 |
| Noncurrent loans to loans | 0.3347% | 4,411 |
| Net loans and leases to total assets | 47.5655% | 5,114 |
| Net loans and leases to deposits | 57.5182% | 5,032 |
| Net loans and leases to core deposits | 61.3126% | 4,982 |
| Total domestic deposits to total assets | 82.6964% | 3,919 |
| Equity capital to assets | 8.7974% | 5,492 |
| Core capital (leverage) ratio | 8.6735% | 5,384 |
| Tier 1 risk-based capital ratio | 16.4988% | 2,576 |
| Total risk-based capital ratio | 17.4674% | 2,663 |
| Memoranda: | ||
| Average total assets | $69,438,750 | 5,168 |
| Average earning assets | $64,648,500 | 5,133 |
| Average equity | $5,901,750 | 5,524 |
| Average total loans | $31,452,250 | 5,370 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7644% | 4,194 |
| Cost of funding earning assets | 0.4921% | 2,325 |
| Net interest margin | 3.2723% | 4,411 |
| Noninterest income to average assets | 0.2407% | 5,233 |
| Noninterest expense to average assets | 2.4240% | 4,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7249% | 3,764 |
| Return on assets (ROA) | 0.6762% | 4,109 |
| Pretax return on assets | 0.8166% | 4,267 |
| Return on Equity (ROE) | 8.0482% | 3,024 |
| Retained earnings to average equity (ytd only) | 4.9790% | 2,877 |
| Net charge-offs to loans | 0.0904% | 2,129 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 21.5714% | 1,671 |
| Efficiency ratio | 73.6934% | 2,720 |
| Assets per employee ($millions) | 4.1946% | 3,480 |
| Cash dividends to net income (ytd only)* | 38.1356% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 4,511 |
| Loan loss allowance to noncurrent loans | 218.2390% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.7264% | 3,203 |
| Noncurrent loans to loans | 0.4880% | 4,011 |
| Net loans and leases to total assets | 45.2075% | 5,305 |
| Net loans and leases to deposits | 55.1654% | 5,180 |
| Net loans and leases to core deposits | 58.9191% | 5,139 |
| Total domestic deposits to total assets | 81.9490% | 4,306 |
| Equity capital to assets | 8.3243% | 5,817 |
| Core capital (leverage) ratio | 8.4257% | 5,603 |
| Tier 1 risk-based capital ratio | 16.6349% | 2,546 |
| Total risk-based capital ratio | 17.6073% | 2,642 |
| Memoranda: | ||
| Average total assets | $69,801,670 | 5,221 |
| Average earning assets | $65,030,330 | 5,176 |
| Average equity | $5,864,670 | 5,583 |
| Average total loans | $30,981,670 | 5,435 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7347% | 4,248 |
| Cost of funding earning assets | 0.4869% | 2,407 |
| Net interest margin | 3.2478% | 4,429 |
| Noninterest income to average assets | 0.2375% | 5,265 |
| Noninterest expense to average assets | 2.4505% | 4,446 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7068% | 3,764 |
| Return on assets (ROA) | 0.7068% | 3,890 |
| Pretax return on assets | 0.8400% | 4,101 |
| Return on Equity (ROE) | 8.3719% | 2,767 |
| Retained earnings to average equity (ytd only) | 5.2839% | 2,899 |
| Net charge-offs to loans | 0.2121% | 1,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 9.0625% | 2,034 |
| Efficiency ratio | 74.4718% | 2,737 |
| Assets per employee ($millions) | 4.1659% | 3,623 |
| Cash dividends to net income (ytd only)* | 36.8852% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 4,333 |
| Loan loss allowance to noncurrent loans | 2,300.0000% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.5634% | 3,787 |
| Noncurrent loans to loans | 0.0494% | 5,585 |
| Net loans and leases to total assets | 42.3575% | 5,458 |
| Net loans and leases to deposits | 50.0375% | 5,457 |
| Net loans and leases to core deposits | 53.3497% | 5,405 |
| Total domestic deposits to total assets | 84.6514% | 3,560 |
| Equity capital to assets | 8.2843% | 5,879 |
| Core capital (leverage) ratio | 8.3763% | 5,661 |
| Tier 1 risk-based capital ratio | 17.3349% | 2,368 |
| Total risk-based capital ratio | 18.3543% | 2,397 |
| Memoranda: | ||
| Average total assets | $69,048,000 | 5,281 |
| Average earning assets | $64,905,500 | 5,234 |
| Average equity | $5,829,000 | 5,645 |
| Average total loans | $30,180,500 | 5,502 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8444% | 4,341 |
| Cost of funding earning assets | 0.5431% | 2,264 |
| Net interest margin | 3.3014% | 4,560 |
| Noninterest income to average assets | 0.6661% | 2,473 |
| Noninterest expense to average assets | 2.7219% | 3,782 |
| Loan and lease loss provision to assets | 0.1029% | 2,435 |
| Net operating income to assets | 0.6955% | 3,913 |
| Return on assets (ROA) | 0.6955% | 4,032 |
| Pretax return on assets | 0.8985% | 3,911 |
| Return on Equity (ROE) | 8.3696% | 2,931 |
| Retained earnings to average equity (ytd only) | 5.1846% | 2,476 |
| Net charge-offs to loans | 0.8603% | 386 |
| Credit loss provision to net charge-offs | 27.4510% | 3,880 |
| Earnings coverage of net charge-offs (x) | 2.6706% | 4,090 |
| Efficiency ratio | 73.1043% | 3,010 |
| Assets per employee ($millions) | 3.9574% | 4,047 |
| Cash dividends to net income (ytd only)* | 38.0550% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 3,983 |
| Loan loss allowance to noncurrent loans | 319.4690% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.7729% | 3,282 |
| Noncurrent loans to loans | 0.3764% | 4,512 |
| Net loans and leases to total assets | 44.0832% | 5,458 |
| Net loans and leases to deposits | 52.4439% | 5,452 |
| Net loans and leases to core deposits | 56.1377% | 5,375 |
| Total domestic deposits to total assets | 84.0580% | 3,692 |
| Equity capital to assets | 8.6080% | 5,641 |
| Core capital (leverage) ratio | 8.3435% | 5,733 |
| Tier 1 risk-based capital ratio | 17.3967% | 2,355 |
| Total risk-based capital ratio | 18.4811% | 2,367 |
| Memoranda: | ||
| Average total assets | $68,004,400 | 5,344 |
| Average earning assets | $62,974,000 | 5,311 |
| Average equity | $5,651,400 | 5,703 |
| Average total loans | $29,641,800 | 5,575 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8532% | 4,357 |
| Cost of funding earning assets | 0.5329% | 2,439 |
| Net interest margin | 3.3203% | 4,534 |
| Noninterest income to average assets | 0.8037% | 1,882 |
| Noninterest expense to average assets | 2.7590% | 3,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8799% | 3,021 |
| Return on assets (ROA) | 0.8799% | 3,117 |
| Pretax return on assets | 1.1028% | 3,176 |
| Return on Equity (ROE) | 10.6826% | 1,910 |
| Retained earnings to average equity (ytd only) | 7.4778% | 1,584 |
| Net charge-offs to loans | 0.9476% | 332 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.6857% | 3,849 |
| Efficiency ratio | 71.4430% | 3,277 |
| Assets per employee ($millions) | 3.8592% | 4,167 |
| Cash dividends to net income (ytd only)* | 30.0005% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1328% | 4,596 |
| Loan loss allowance to noncurrent loans | 181.6216% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.7342% | 3,616 |
| Noncurrent loans to loans | 0.6237% | 4,052 |
| Net loans and leases to total assets | 42.2135% | 5,652 |
| Net loans and leases to deposits | 50.2347% | 5,637 |
| Net loans and leases to core deposits | 53.6539% | 5,587 |
| Total domestic deposits to total assets | 84.0325% | 3,745 |
| Equity capital to assets | 8.3667% | 5,897 |
| Core capital (leverage) ratio | 8.2939% | 5,844 |
| Tier 1 risk-based capital ratio | 17.4404% | 2,418 |
| Total risk-based capital ratio | 18.4486% | 2,488 |
| Memoranda: | ||
| Average total assets | $68,186,750 | 5,398 |
| Average earning assets | $62,803,250 | 5,377 |
| Average equity | $5,616,500 | 5,766 |
| Average total loans | $29,547,750 | 5,636 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8626% | 4,290 |
| Cost of funding earning assets | 0.5390% | 2,447 |
| Net interest margin | 3.3236% | 4,491 |
| Noninterest income to average assets | 0.2479% | 5,427 |
| Noninterest expense to average assets | 2.6741% | 3,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5578% | 4,556 |
| Return on assets (ROA) | 0.5578% | 4,661 |
| Pretax return on assets | 0.6316% | 4,847 |
| Return on Equity (ROE) | 6.8092% | 3,715 |
| Retained earnings to average equity (ytd only) | 3.5667% | 3,923 |
| Net charge-offs to loans | 1.0505% | 327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.3806% | 3,817 |
| Efficiency ratio | 80.8929% | 1,897 |
| Assets per employee ($millions) | 4.0526% | 3,729 |
| Cash dividends to net income (ytd only)* | 47.6190% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3426% | 3,624 |
| Loan loss allowance to noncurrent loans | 76.5166% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.7200% | 1,901 |
| Noncurrent loans to loans | 1.7546% | 1,965 |
| Net loans and leases to total assets | 41.7046% | 5,696 |
| Net loans and leases to deposits | 49.3889% | 5,682 |
| Net loans and leases to core deposits | 52.7619% | 5,625 |
| Total domestic deposits to total assets | 84.4413% | 3,752 |
| Equity capital to assets | 8.0689% | 6,117 |
| Core capital (leverage) ratio | 8.3825% | 5,758 |
| Tier 1 risk-based capital ratio | 16.8516% | 2,687 |
| Total risk-based capital ratio | 18.0369% | 2,678 |
| Memoranda: | ||
| Average total assets | $67,760,330 | 5,455 |
| Average earning assets | $62,342,000 | 5,444 |
| Average equity | $5,551,330 | 5,822 |
| Average total loans | $29,510,330 | 5,678 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8785% | 4,184 |
| Cost of funding earning assets | 0.5309% | 2,599 |
| Net interest margin | 3.3476% | 4,340 |
| Noninterest income to average assets | 0.2500% | 5,366 |
| Noninterest expense to average assets | 2.7026% | 3,925 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5953% | 4,221 |
| Return on assets (ROA) | 0.5953% | 4,300 |
| Pretax return on assets | 0.6251% | 4,742 |
| Return on Equity (ROE) | 7.2105% | 3,346 |
| Retained earnings to average equity (ytd only) | 3.9658% | 3,733 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2165% | 2,027 |
| Assets per employee ($millions) | 3.9786% | 3,987 |
| Cash dividends to net income (ytd only)* | 45.0000% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8591% | 1,873 |
| Loan loss allowance to noncurrent loans | 71.4660% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 2.3508% | 1,383 |
| Noncurrent loans to loans | 2.6014% | 1,323 |
| Net loans and leases to total assets | 42.6142% | 5,616 |
| Net loans and leases to deposits | 50.5880% | 5,551 |
| Net loans and leases to core deposits | 54.1196% | 5,492 |
| Total domestic deposits to total assets | 84.2379% | 4,193 |
| Equity capital to assets | 8.2425% | 5,874 |
| Core capital (leverage) ratio | 8.3837% | 5,762 |
| Tier 1 risk-based capital ratio | 17.0871% | 2,649 |
| Total risk-based capital ratio | 18.3222% | 2,608 |
| Memoranda: | ||
| Average total assets | $67,193,500 | 5,525 |
| Average earning assets | $61,776,500 | 5,512 |
| Average equity | $5,547,500 | 5,853 |
| Average total loans | $29,704,000 | 5,727 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0645% | 3,866 |
| Cost of funding earning assets | 0.6106% | 2,567 |
| Net interest margin | 3.4539% | 4,078 |
| Noninterest income to average assets | 0.2931% | 5,255 |
| Noninterest expense to average assets | 3.0191% | 3,003 |
| Loan and lease loss provision to assets | 0.0595% | 3,949 |
| Net operating income to assets | 0.4360% | 5,006 |
| Return on assets (ROA) | 0.4360% | 5,134 |
| Pretax return on assets | 0.4211% | 5,437 |
| Return on Equity (ROE) | 5.3236% | 4,483 |
| Retained earnings to average equity (ytd only) | 2.0531% | 4,779 |
| Net charge-offs to loans | 0.4197% | 1,595 |
| Credit loss provision to net charge-offs | 31.2500% | 4,226 |
| Earnings coverage of net charge-offs (x) | 2.5234% | 4,171 |
| Efficiency ratio | 86.2670% | 1,387 |
| Assets per employee ($millions) | 3.7083% | 4,459 |
| Cash dividends to net income (ytd only)* | 61.4334% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8176% | 2,014 |
| Loan loss allowance to noncurrent loans | 83.2317% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 2.2322% | 1,590 |
| Noncurrent loans to loans | 2.1838% | 1,789 |
| Net loans and leases to total assets | 44.1843% | 5,661 |
| Net loans and leases to deposits | 53.8007% | 5,483 |
| Net loans and leases to core deposits | 57.7140% | 5,412 |
| Total domestic deposits to total assets | 82.1258% | 4,829 |
| Equity capital to assets | 8.2697% | 5,804 |
| Core capital (leverage) ratio | 8.2720% | 5,905 |
| Tier 1 risk-based capital ratio | 16.3072% | 2,963 |
| Total risk-based capital ratio | 17.5421% | 2,920 |
| Memoranda: | ||
| Average total assets | $67,204,600 | 5,561 |
| Average earning assets | $62,393,200 | 5,527 |
| Average equity | $5,503,800 | 5,927 |
| Average total loans | $30,494,600 | 5,737 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0427% | 3,962 |
| Cost of funding earning assets | 0.6043% | 2,774 |
| Net interest margin | 3.4384% | 4,129 |
| Noninterest income to average assets | 0.2892% | 5,381 |
| Noninterest expense to average assets | 2.7827% | 3,721 |
| Loan and lease loss provision to assets | 0.0792% | 3,477 |
| Net operating income to assets | 0.5744% | 4,448 |
| Return on assets (ROA) | 0.5744% | 4,586 |
| Pretax return on assets | 0.6279% | 4,920 |
| Return on Equity (ROE) | 7.0305% | 3,632 |
| Retained earnings to average equity (ytd only) | 3.7576% | 4,015 |
| Net charge-offs to loans | 0.0174% | 4,777 |
| Credit loss provision to net charge-offs | 1,000.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 89.3039% | 541 |
| Efficiency ratio | 79.7389% | 2,140 |
| Assets per employee ($millions) | 3.7134% | 4,431 |
| Cash dividends to net income (ytd only)* | 46.5525% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1718% | 1,376 |
| Loan loss allowance to noncurrent loans | 44.6072% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 2.5972% | 1,462 |
| Noncurrent loans to loans | 4.8687% | 637 |
| Net loans and leases to total assets | 45.1519% | 5,619 |
| Net loans and leases to deposits | 54.1374% | 5,528 |
| Net loans and leases to core deposits | 58.0050% | 5,451 |
| Total domestic deposits to total assets | 83.4024% | 4,414 |
| Equity capital to assets | 8.2330% | 5,975 |
| Core capital (leverage) ratio | 8.2412% | 6,022 |
| Tier 1 risk-based capital ratio | 15.7202% | 3,339 |
| Total risk-based capital ratio | 16.9057% | 3,329 |
| Memoranda: | ||
| Average total assets | $67,318,250 | 5,616 |
| Average earning assets | $62,662,500 | 5,576 |
| Average equity | $5,499,750 | 6,003 |
| Average total loans | $30,608,500 | 5,782 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0146% | 4,044 |
| Cost of funding earning assets | 0.6169% | 2,791 |
| Net interest margin | 3.3977% | 4,193 |
| Noninterest income to average assets | 0.2964% | 5,332 |
| Noninterest expense to average assets | 2.7624% | 3,810 |
| Loan and lease loss provision to assets | 0.1186% | 2,842 |
| Net operating income to assets | 0.5157% | 4,730 |
| Return on assets (ROA) | 0.5157% | 4,900 |
| Pretax return on assets | 0.5661% | 5,142 |
| Return on Equity (ROE) | 6.3288% | 3,979 |
| Retained earnings to average equity (ytd only) | 3.0553% | 4,376 |
| Net charge-offs to loans | 0.0131% | 4,589 |
| Credit loss provision to net charge-offs | 2,000.0000% | 156 |
| Earnings coverage of net charge-offs (x) | 115.5000% | 417 |
| Efficiency ratio | 80.1376% | 2,132 |
| Assets per employee ($millions) | 3.9152% | 3,991 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1945% | 1,431 |
| Loan loss allowance to noncurrent loans | 47.9315% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 2.4865% | 1,702 |
| Noncurrent loans to loans | 4.5784% | 756 |
| Net loans and leases to total assets | 44.9977% | 5,638 |
| Net loans and leases to deposits | 54.3972% | 5,486 |
| Net loans and leases to core deposits | 59.1991% | 5,327 |
| Total domestic deposits to total assets | 82.7206% | 4,807 |
| Equity capital to assets | 8.1612% | 6,084 |
| Core capital (leverage) ratio | 8.0789% | 6,123 |
| Tier 1 risk-based capital ratio | 15.5440% | 3,456 |
| Total risk-based capital ratio | 16.7315% | 3,447 |
| Memoranda: | ||
| Average total assets | $67,477,330 | 5,648 |
| Average earning assets | $62,572,330 | 5,605 |
| Average equity | $5,498,670 | 6,042 |
| Average total loans | $30,528,000 | 5,819 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0276% | 4,004 |
| Cost of funding earning assets | 0.6108% | 3,004 |
| Net interest margin | 3.4168% | 4,056 |
| Noninterest income to average assets | 0.3003% | 5,295 |
| Noninterest expense to average assets | 2.7673% | 3,808 |
| Loan and lease loss provision to assets | 0.1178% | 2,765 |
| Net operating income to assets | 0.5240% | 4,553 |
| Return on assets (ROA) | 0.5240% | 4,698 |
| Pretax return on assets | 0.5770% | 5,032 |
| Return on Equity (ROE) | 6.4353% | 3,802 |
| Retained earnings to average equity (ytd only) | 3.1815% | 4,351 |
| Net charge-offs to loans | 0.0131% | 3,882 |
| Credit loss provision to net charge-offs | 2,000.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 325 |
| Efficiency ratio | 79.9320% | 2,340 |
| Assets per employee ($millions) | 3.5927% | 4,798 |
| Cash dividends to net income (ytd only)* | 50.5618% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1951% | 1,592 |
| Loan loss allowance to noncurrent loans | 46.3121% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 2.4509% | 1,883 |
| Noncurrent loans to loans | 4.7398% | 839 |
| Net loans and leases to total assets | 42.6232% | 5,794 |
| Net loans and leases to deposits | 50.4054% | 5,759 |
| Net loans and leases to core deposits | 54.9408% | 5,610 |
| Total domestic deposits to total assets | 84.5607% | 4,246 |
| Equity capital to assets | 8.1364% | 6,305 |
| Core capital (leverage) ratio | 8.2328% | 5,899 |
| Tier 1 risk-based capital ratio | 15.9566% | 3,295 |
| Total risk-based capital ratio | 17.1862% | 3,268 |
| Memoranda: | ||
| Average total assets | $67,936,500 | 5,688 |
| Average earning assets | $62,866,000 | 5,646 |
| Average equity | $5,532,000 | 6,092 |
| Average total loans | $30,481,000 | 5,872 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4423% | 3,644 |
| Cost of funding earning assets | 0.7538% | 3,060 |
| Net interest margin | 3.6885% | 3,695 |
| Noninterest income to average assets | 0.3019% | 5,295 |
| Noninterest expense to average assets | 2.7273% | 4,295 |
| Loan and lease loss provision to assets | 0.1084% | 4,277 |
| Net operating income to assets | 0.7313% | 3,601 |
| Return on assets (ROA) | 0.7313% | 3,846 |
| Pretax return on assets | 0.8866% | 3,969 |
| Return on Equity (ROE) | 9.2820% | 2,497 |
| Retained earnings to average equity (ytd only) | 5.9338% | 2,117 |
| Net charge-offs to loans | -0.0130% | 6,506 |
| Credit loss provision to net charge-offs | -1,850.0000% | 6,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2677% | 3,196 |
| Assets per employee ($millions) | 3.5585% | 4,886 |
| Cash dividends to net income (ytd only)* | 36.0721% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0311% | 1,936 |
| Loan loss allowance to noncurrent loans | 44.3978% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 2.4996% | 1,951 |
| Noncurrent loans to loans | 4.5749% | 925 |
| Net loans and leases to total assets | 45.2287% | 5,700 |
| Net loans and leases to deposits | 54.8019% | 5,570 |
| Net loans and leases to core deposits | 60.5101% | 5,320 |
| Total domestic deposits to total assets | 82.5312% | 4,918 |
| Equity capital to assets | 8.1494% | 6,320 |
| Core capital (leverage) ratio | 8.1427% | 6,048 |
| Tier 1 risk-based capital ratio | 15.2244% | 3,600 |
| Total risk-based capital ratio | 16.4511% | 3,557 |
| Memoranda: | ||
| Average total assets | $68,235,800 | 5,669 |
| Average earning assets | $63,278,600 | 5,629 |
| Average equity | $5,376,000 | 6,186 |
| Average total loans | $30,766,200 | 5,912 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 3,707 |
| Cost of funding earning assets | 0.7641% | 3,237 |
| Net interest margin | 3.7192% | 3,710 |
| Noninterest income to average assets | 0.2963% | 5,402 |
| Noninterest expense to average assets | 2.6864% | 4,419 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8227% | 3,328 |
| Return on assets (ROA) | 0.8227% | 3,572 |
| Pretax return on assets | 1.0547% | 3,520 |
| Return on Equity (ROE) | 10.5316% | 2,123 |
| Retained earnings to average equity (ytd only) | 7.1626% | 2,027 |
| Net charge-offs to loans | -0.0348% | 6,611 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8082% | 3,363 |
| Assets per employee ($millions) | 3.8066% | 4,290 |
| Cash dividends to net income (ytd only)* | 31.9915% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8225% | 2,723 |
| Loan loss allowance to noncurrent loans | 11,280.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 5,716 |
| Noncurrent loans to loans | 0.0162% | 6,609 |
| Net loans and leases to total assets | 44.3416% | 5,939 |
| Net loans and leases to deposits | 54.0923% | 5,801 |
| Net loans and leases to core deposits | 60.1052% | 5,546 |
| Total domestic deposits to total assets | 81.9741% | 5,036 |
| Equity capital to assets | 7.9950% | 6,592 |
| Core capital (leverage) ratio | 8.0893% | 6,240 |
| Tier 1 risk-based capital ratio | 14.9959% | 3,853 |
| Total risk-based capital ratio | 16.2223% | 3,820 |
| Memoranda: | ||
| Average total assets | $68,391,750 | 5,730 |
| Average earning assets | $63,345,000 | 5,683 |
| Average equity | $5,342,500 | 6,263 |
| Average total loans | $30,654,250 | 5,994 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5591% | 3,533 |
| Cost of funding earning assets | 0.7894% | 3,279 |
| Net interest margin | 3.7697% | 3,497 |
| Noninterest income to average assets | 0.2897% | 5,489 |
| Noninterest expense to average assets | 2.6481% | 4,615 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8837% | 2,987 |
| Return on assets (ROA) | 0.8837% | 3,243 |
| Pretax return on assets | 1.1207% | 3,232 |
| Return on Equity (ROE) | 11.4020% | 1,848 |
| Retained earnings to average equity (ytd only) | 8.0040% | 1,640 |
| Net charge-offs to loans | -0.0196% | 6,428 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2640% | 3,721 |
| Assets per employee ($millions) | 3.7786% | 4,370 |
| Cash dividends to net income (ytd only)* | 29.8013% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8496% | 2,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 5,818 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 43.6131% | 6,052 |
| Net loans and leases to deposits | 51.4956% | 6,057 |
| Net loans and leases to core deposits | 57.0585% | 5,856 |
| Total domestic deposits to total assets | 84.6929% | 4,007 |
| Equity capital to assets | 7.9425% | 6,602 |
| Core capital (leverage) ratio | 7.9052% | 6,365 |
| Tier 1 risk-based capital ratio | 15.2698% | 3,591 |
| Total risk-based capital ratio | 16.5051% | 3,567 |
| Memoranda: | ||
| Average total assets | $68,349,670 | 5,769 |
| Average earning assets | $63,082,000 | 5,734 |
| Average equity | $5,297,330 | 6,305 |
| Average total loans | $30,557,000 | 6,037 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5922% | 3,542 |
| Cost of funding earning assets | 0.7896% | 3,550 |
| Net interest margin | 3.8026% | 3,383 |
| Noninterest income to average assets | 0.2861% | 5,585 |
| Noninterest expense to average assets | 2.6796% | 4,506 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8932% | 2,950 |
| Return on assets (ROA) | 0.8932% | 3,171 |
| Pretax return on assets | 1.1209% | 3,239 |
| Return on Equity (ROE) | 11.6683% | 1,782 |
| Retained earnings to average equity (ytd only) | 8.2364% | 1,887 |
| Net charge-offs to loans | -0.0260% | 6,285 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5069% | 3,719 |
| Assets per employee ($millions) | 4.0624% | 3,882 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8458% | 2,854 |
| Loan loss allowance to noncurrent loans | 3,282.3529% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.4040% | 5,850 |
| Noncurrent loans to loans | 0.0562% | 6,614 |
| Net loans and leases to total assets | 42.9655% | 6,104 |
| Net loans and leases to deposits | 50.2447% | 6,120 |
| Net loans and leases to core deposits | 55.6782% | 5,933 |
| Total domestic deposits to total assets | 85.5126% | 3,783 |
| Equity capital to assets | 7.6730% | 6,706 |
| Core capital (leverage) ratio | 7.8701% | 6,359 |
| Tier 1 risk-based capital ratio | 15.0429% | 3,734 |
| Total risk-based capital ratio | 16.2749% | 3,697 |
| Memoranda: | ||
| Average total assets | $68,517,500 | 5,807 |
| Average earning assets | $63,324,500 | 5,770 |
| Average equity | $5,245,000 | 6,349 |
| Average total loans | $30,724,500 | 6,072 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0775% | 2,540 |
| Cost of funding earning assets | 1.0037% | 3,353 |
| Net interest margin | 4.0739% | 2,550 |
| Noninterest income to average assets | 0.3289% | 5,190 |
| Noninterest expense to average assets | 2.6041% | 5,084 |
| Loan and lease loss provision to assets | 0.1339% | 4,937 |
| Net operating income to assets | 1.0580% | 1,972 |
| Return on assets (ROA) | 1.0580% | 2,115 |
| Pretax return on assets | 1.3839% | 1,828 |
| Return on Equity (ROE) | 14.6568% | 803 |
| Retained earnings to average equity (ytd only) | 10.9462% | 412 |
| Net charge-offs to loans | 0.3470% | 3,664 |
| Credit loss provision to net charge-offs | 82.5688% | 4,342 |
| Earnings coverage of net charge-offs (x) | 9.3578% | 1,997 |
| Efficiency ratio | 63.1769% | 5,264 |
| Assets per employee ($millions) | 3.9985% | 3,852 |
| Cash dividends to net income (ytd only)* | 25.3165% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7810% | 2,931 |
| Loan loss allowance to noncurrent loans | 256.2212% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.5134% | 5,681 |
| Noncurrent loans to loans | 0.6951% | 5,311 |
| Net loans and leases to total assets | 45.1092% | 6,099 |
| Net loans and leases to deposits | 52.6277% | 6,162 |
| Net loans and leases to core deposits | 58.2360% | 5,987 |
| Total domestic deposits to total assets | 85.7139% | 3,477 |
| Equity capital to assets | 7.6366% | 6,755 |
| Core capital (leverage) ratio | 7.7609% | 6,481 |
| Tier 1 risk-based capital ratio | 14.8319% | 3,739 |
| Total risk-based capital ratio | 16.0805% | 3,715 |
| Memoranda: | ||
| Average total assets | $67,201,200 | 5,828 |
| Average earning assets | $62,569,800 | 5,788 |
| Average equity | $4,851,000 | 6,494 |
| Average total loans | $31,415,000 | 6,098 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1406% | 2,423 |
| Cost of funding earning assets | 1.0285% | 3,479 |
| Net interest margin | 4.1120% | 2,425 |
| Noninterest income to average assets | 0.3363% | 5,168 |
| Noninterest expense to average assets | 2.6185% | 5,006 |
| Loan and lease loss provision to assets | 0.1791% | 4,237 |
| Net operating income to assets | 1.0446% | 2,161 |
| Return on assets (ROA) | 1.0446% | 2,314 |
| Pretax return on assets | 1.3809% | 1,999 |
| Return on Equity (ROE) | 14.6869% | 897 |
| Retained earnings to average equity (ytd only) | 10.9104% | 647 |
| Net charge-offs to loans | 0.3941% | 3,143 |
| Credit loss provision to net charge-offs | 96.7742% | 3,539 |
| Earnings coverage of net charge-offs (x) | 8.4299% | 2,179 |
| Efficiency ratio | 62.6667% | 5,299 |
| Assets per employee ($millions) | 4.1547% | 3,531 |
| Cash dividends to net income (ytd only)* | 25.7150% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8376% | 2,807 |
| Loan loss allowance to noncurrent loans | 258.8235% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 6,240 |
| Noncurrent loans to loans | 0.7100% | 5,459 |
| Net loans and leases to total assets | 45.9646% | 6,153 |
| Net loans and leases to deposits | 53.6062% | 6,246 |
| Net loans and leases to core deposits | 58.8230% | 6,065 |
| Total domestic deposits to total assets | 85.7450% | 3,354 |
| Equity capital to assets | 7.5968% | 6,896 |
| Core capital (leverage) ratio | 7.4847% | 6,772 |
| Tier 1 risk-based capital ratio | 14.3299% | 4,106 |
| Total risk-based capital ratio | 15.5643% | 4,083 |
| Memoranda: | ||
| Average total assets | $67,007,750 | 5,874 |
| Average earning assets | $62,611,750 | 5,818 |
| Average equity | $4,766,000 | 6,569 |
| Average total loans | $31,464,000 | 6,169 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2120% | 2,217 |
| Cost of funding earning assets | 1.0571% | 3,555 |
| Net interest margin | 4.1550% | 2,212 |
| Noninterest income to average assets | 0.3423% | 5,143 |
| Noninterest expense to average assets | 2.6375% | 5,048 |
| Loan and lease loss provision to assets | 0.8633% | 1,045 |
| Net operating income to assets | 0.6341% | 3,889 |
| Return on assets (ROA) | 0.6341% | 4,013 |
| Pretax return on assets | 0.7263% | 4,291 |
| Return on Equity (ROE) | 9.1195% | 2,458 |
| Retained earnings to average equity (ytd only) | 5.2662% | 2,828 |
| Net charge-offs to loans | 1.8115% | 768 |
| Credit loss provision to net charge-offs | 101.3986% | 3,063 |
| Earnings coverage of net charge-offs (x) | 1.8671% | 3,932 |
| Efficiency ratio | 62.3944% | 5,523 |
| Assets per employee ($millions) | 4.2399% | 3,276 |
| Cash dividends to net income (ytd only)* | 42.2535% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8412% | 2,858 |
| Loan loss allowance to noncurrent loans | 203.8732% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 6,098 |
| Noncurrent loans to loans | 0.9031% | 5,157 |
| Net loans and leases to total assets | 45.5018% | 6,312 |
| Net loans and leases to deposits | 52.6336% | 6,423 |
| Net loans and leases to core deposits | 58.1954% | 6,257 |
| Total domestic deposits to total assets | 86.4503% | 3,073 |
| Equity capital to assets | 7.0505% | 7,088 |
| Core capital (leverage) ratio | 7.0490% | 6,979 |
| Tier 1 risk-based capital ratio | 13.3869% | 4,620 |
| Total risk-based capital ratio | 14.6212% | 4,618 |
| Memoranda: | ||
| Average total assets | $67,185,330 | 5,918 |
| Average earning assets | $62,816,000 | 5,864 |
| Average equity | $4,671,330 | 6,634 |
| Average total loans | $31,576,330 | 6,221 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2495% | 2,052 |
| Cost of funding earning assets | 1.0830% | 3,639 |
| Net interest margin | 4.1664% | 2,008 |
| Noninterest income to average assets | 0.3051% | 5,488 |
| Noninterest expense to average assets | 2.6205% | 5,153 |
| Loan and lease loss provision to assets | 1.7350% | 336 |
| Net operating income to assets | -0.2632% | 6,622 |
| Return on assets (ROA) | -0.2632% | 6,637 |
| Pretax return on assets | -0.1376% | 6,481 |
| Return on Equity (ROE) | -3.8132% | 6,726 |
| Retained earnings to average equity (ytd only) | -7.7131% | 6,730 |
| Net charge-offs to loans | 3.7925% | 250 |
| Credit loss provision to net charge-offs | 96.6667% | 2,821 |
| Earnings coverage of net charge-offs (x) | 0.8900% | 3,976 |
| Efficiency ratio | 62.1277% | 5,659 |
| Assets per employee ($millions) | 4.2071% | 3,451 |
| Cash dividends to net income (ytd only)* | -102.2727% | 7,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7983% | 3,019 |
| Loan loss allowance to noncurrent loans | 177.1160% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 5,667 |
| Noncurrent loans to loans | 1.0153% | 5,024 |
| Net loans and leases to total assets | 45.8351% | 6,303 |
| Net loans and leases to deposits | 53.4964% | 6,346 |
| Net loans and leases to core deposits | 55.6712% | 6,439 |
| Total domestic deposits to total assets | 85.6788% | 3,702 |
| Equity capital to assets | 6.7907% | 7,144 |
| Core capital (leverage) ratio | 6.8243% | 7,072 |
| Tier 1 risk-based capital ratio | 12.8619% | 4,936 |
| Total risk-based capital ratio | 14.0916% | 4,923 |
| Memoranda: | ||
| Average total assets | $66,858,500 | 5,974 |
| Average earning assets | $62,787,500 | 5,901 |
| Average equity | $4,615,500 | 6,682 |
| Average total loans | $31,641,000 | 6,263 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4330% | 2,533 |
| Cost of funding earning assets | 1.3437% | 3,622 |
| Net interest margin | 4.0893% | 2,622 |
| Noninterest income to average assets | 0.3068% | 5,600 |
| Noninterest expense to average assets | 2.5959% | 5,434 |
| Loan and lease loss provision to assets | 0.2271% | 5,006 |
| Net operating income to assets | 1.0062% | 2,022 |
| Return on assets (ROA) | 1.0062% | 2,126 |
| Pretax return on assets | 1.2874% | 1,963 |
| Return on Equity (ROE) | 15.0750% | 706 |
| Retained earnings to average equity (ytd only) | 10.1176% | 503 |
| Net charge-offs to loans | 0.1147% | 5,730 |
| Credit loss provision to net charge-offs | 419.4444% | 566 |
| Earnings coverage of net charge-offs (x) | 27.9722% | 779 |
| Efficiency ratio | 63.1540% | 5,488 |
| Assets per employee ($millions) | 4.1503% | 3,481 |
| Cash dividends to net income (ytd only)* | 32.8849% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8045% | 2,847 |
| Loan loss allowance to noncurrent loans | 1,437.5000% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 6,638 |
| Noncurrent loans to loans | 0.1255% | 6,821 |
| Net loans and leases to total assets | 47.1191% | 6,469 |
| Net loans and leases to deposits | 54.2986% | 6,588 |
| Net loans and leases to core deposits | 60.4338% | 6,360 |
| Total domestic deposits to total assets | 86.7779% | 2,939 |
| Equity capital to assets | 7.0176% | 7,109 |
| Core capital (leverage) ratio | 7.0751% | 6,988 |
| Tier 1 risk-based capital ratio | 13.4585% | 4,238 |
| Total risk-based capital ratio | 14.7408% | 4,184 |
| Memoranda: | ||
| Average total assets | $66,490,600 | 5,980 |
| Average earning assets | $61,844,600 | 5,930 |
| Average equity | $4,437,800 | 6,841 |
| Average total loans | $31,391,400 | 6,343 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5090% | 2,398 |
| Cost of funding earning assets | 1.3783% | 3,719 |
| Net interest margin | 4.1306% | 2,486 |
| Noninterest income to average assets | 0.3087% | 5,682 |
| Noninterest expense to average assets | 2.4677% | 5,826 |
| Loan and lease loss provision to assets | 0.3528% | 3,791 |
| Net operating income to assets | 1.0163% | 2,179 |
| Return on assets (ROA) | 1.0163% | 2,296 |
| Pretax return on assets | 1.3150% | 2,126 |
| Return on Equity (ROE) | 15.4254% | 789 |
| Retained earnings to average equity (ytd only) | 10.1012% | 769 |
| Net charge-offs to loans | 0.3496% | 3,910 |
| Credit loss provision to net charge-offs | 214.6341% | 1,629 |
| Earnings coverage of net charge-offs (x) | 10.1464% | 1,917 |
| Efficiency ratio | 59.6704% | 6,003 |
| Assets per employee ($millions) | 3.8285% | 4,200 |
| Cash dividends to net income (ytd only)* | 34.5173% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7797% | 2,851 |
| Loan loss allowance to noncurrent loans | 1,678.7879% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 6,697 |
| Noncurrent loans to loans | 0.1060% | 6,975 |
| Net loans and leases to total assets | 46.9770% | 6,614 |
| Net loans and leases to deposits | 55.0861% | 6,681 |
| Net loans and leases to core deposits | 60.7805% | 6,551 |
| Total domestic deposits to total assets | 85.2793% | 3,477 |
| Equity capital to assets | 6.9801% | 7,349 |
| Core capital (leverage) ratio | 6.7321% | 7,276 |
| Tier 1 risk-based capital ratio | 13.3787% | 4,293 |
| Total risk-based capital ratio | 14.6479% | 4,240 |
| Memoranda: | ||
| Average total assets | $66,512,250 | 6,047 |
| Average earning assets | $61,619,250 | 6,001 |
| Average equity | $4,382,250 | 6,951 |
| Average total loans | $31,273,250 | 6,425 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5057% | 2,490 |
| Cost of funding earning assets | 1.4152% | 3,780 |
| Net interest margin | 4.0905% | 2,609 |
| Noninterest income to average assets | 0.3135% | 5,656 |
| Noninterest expense to average assets | 2.4243% | 5,998 |
| Loan and lease loss provision to assets | 0.3404% | 3,698 |
| Net operating income to assets | 1.0300% | 2,084 |
| Return on assets (ROA) | 1.0300% | 2,160 |
| Pretax return on assets | 1.3286% | 2,007 |
| Return on Equity (ROE) | 15.9402% | 709 |
| Retained earnings to average equity (ytd only) | 9.9338% | 861 |
| Net charge-offs to loans | 0.0447% | 5,758 |
| Credit loss provision to net charge-offs | 1,628.5714% | 246 |
| Earnings coverage of net charge-offs (x) | 79.8571% | 397 |
| Efficiency ratio | 59.2268% | 6,183 |
| Assets per employee ($millions) | 3.8767% | 4,042 |
| Cash dividends to net income (ytd only)* | 37.6812% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8364% | 2,614 |
| Loan loss allowance to noncurrent loans | 240.2542% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 6,456 |
| Noncurrent loans to loans | 0.7644% | 5,746 |
| Net loans and leases to total assets | 45.9881% | 6,779 |
| Net loans and leases to deposits | 54.1021% | 6,857 |
| Net loans and leases to core deposits | 58.7137% | 6,788 |
| Total domestic deposits to total assets | 85.0024% | 3,625 |
| Equity capital to assets | 6.7158% | 7,437 |
| Core capital (leverage) ratio | 6.7154% | 7,317 |
| Tier 1 risk-based capital ratio | 12.9559% | 4,487 |
| Total risk-based capital ratio | 14.2205% | 4,433 |
| Memoranda: | ||
| Average total assets | $66,988,000 | 6,061 |
| Average earning assets | $61,900,000 | 6,026 |
| Average equity | $4,328,670 | 7,002 |
| Average total loans | $31,321,330 | 6,466 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4830% | 2,671 |
| Cost of funding earning assets | 1.4365% | 3,951 |
| Net interest margin | 4.0465% | 2,665 |
| Noninterest income to average assets | 0.2962% | 5,775 |
| Noninterest expense to average assets | 2.3989% | 6,089 |
| Loan and lease loss provision to assets | 0.0829% | 5,811 |
| Net operating income to assets | 1.2676% | 1,368 |
| Return on assets (ROA) | 1.2676% | 1,440 |
| Pretax return on assets | 1.5519% | 1,389 |
| Return on Equity (ROE) | 20.0000% | 384 |
| Retained earnings to average equity (ytd only) | 12.9907% | 619 |
| Net charge-offs to loans | 0.0888% | 4,530 |
| Credit loss provision to net charge-offs | 200.0000% | 1,845 |
| Earnings coverage of net charge-offs (x) | 39.4286% | 700 |
| Efficiency ratio | 59.4714% | 6,264 |
| Assets per employee ($millions) | 3.9375% | 4,022 |
| Cash dividends to net income (ytd only)* | 35.0467% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 3,972 |
| Loan loss allowance to noncurrent loans | 131.5493% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5662% | 6,091 |
| Noncurrent loans to loans | 1.1309% | 5,102 |
| Net loans and leases to total assets | 46.2002% | 6,815 |
| Net loans and leases to deposits | 53.5164% | 6,947 |
| Net loans and leases to core deposits | 53.5164% | 7,134 |
| Total domestic deposits to total assets | 86.3289% | 2,971 |
| Equity capital to assets | 6.4972% | 7,526 |
| Core capital (leverage) ratio | 6.5177% | 7,460 |
| Tier 1 risk-based capital ratio | 12.5451% | 4,703 |
| Total risk-based capital ratio | 13.7970% | 4,663 |
| Memoranda: | ||
| Average total assets | $67,530,000 | 6,121 |
| Average earning assets | $62,374,500 | 6,067 |
| Average equity | $4,280,000 | 7,081 |
| Average total loans | $31,544,500 | 6,541 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7781% | 2,749 |
| Cost of funding earning assets | 1.8948% | 3,487 |
| Net interest margin | 3.8833% | 3,335 |
| Noninterest income to average assets | 0.3432% | 5,637 |
| Noninterest expense to average assets | 2.6061% | 5,780 |
| Loan and lease loss provision to assets | 0.4606% | 4,067 |
| Net operating income to assets | 0.6786% | 3,023 |
| Return on assets (ROA) | 0.6786% | 3,075 |
| Pretax return on assets | 0.8625% | 3,042 |
| Return on Equity (ROE) | 10.5681% | 1,529 |
| Retained earnings to average equity (ytd only) | 3.9961% | 2,413 |
| Net charge-offs to loans | 1.0396% | 2,333 |
| Credit loss provision to net charge-offs | 92.2601% | 5,930 |
| Earnings coverage of net charge-offs (x) | 2.6502% | 3,792 |
| Efficiency ratio | 66.3257% | 5,328 |
| Assets per employee ($millions) | 4.0072% | 3,806 |
| Cash dividends to net income (ytd only)* | 62.1868% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4512% | 3,966 |
| Loan loss allowance to noncurrent loans | 128.1337% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.5842% | 5,998 |
| Noncurrent loans to loans | 1.1326% | 5,067 |
| Net loans and leases to total assets | 45.8538% | 6,992 |
| Net loans and leases to deposits | 52.4516% | 7,135 |
| Net loans and leases to core deposits | 67.0999% | 6,926 |
| Total domestic deposits to total assets | 87.4213% | 2,256 |
| Equity capital to assets | 6.1815% | 7,637 |
| Core capital (leverage) ratio | 6.3839% | 7,530 |
| Tier 1 risk-based capital ratio | 12.0442% | 4,912 |
| Total risk-based capital ratio | 13.2941% | 4,868 |
| Memoranda: | ||
| Average total assets | $64,693,200 | 6,176 |
| Average earning assets | $59,742,600 | 6,133 |
| Average equity | $4,154,000 | 7,228 |
| Average total loans | $31,071,000 | 6,577 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8404% | 2,703 |
| Cost of funding earning assets | 1.9928% | 3,393 |
| Net interest margin | 3.8476% | 3,443 |
| Noninterest income to average assets | 0.3509% | 5,684 |
| Noninterest expense to average assets | 2.5816% | 5,774 |
| Loan and lease loss provision to assets | 0.3070% | 4,516 |
| Net operating income to assets | 0.8020% | 2,809 |
| Return on assets (ROA) | 0.8020% | 2,872 |
| Pretax return on assets | 1.0151% | 2,857 |
| Return on Equity (ROE) | 12.3677% | 1,274 |
| Retained earnings to average equity (ytd only) | 5.9262% | 1,989 |
| Net charge-offs to loans | 0.5176% | 3,145 |
| Credit loss provision to net charge-offs | 122.5000% | 4,135 |
| Earnings coverage of net charge-offs (x) | 5.2749% | 2,879 |
| Efficiency ratio | 66.1316% | 5,337 |
| Assets per employee ($millions) | 3.8038% | 4,181 |
| Cash dividends to net income (ytd only)* | 52.0830% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6297% | 2,878 |
| Loan loss allowance to noncurrent loans | 90.6195% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.8737% | 5,336 |
| Noncurrent loans to loans | 1.7984% | 3,916 |
| Net loans and leases to total assets | 47.7917% | 6,973 |
| Net loans and leases to deposits | 54.6548% | 7,162 |
| Net loans and leases to core deposits | 68.7046% | 7,032 |
| Total domestic deposits to total assets | 87.4428% | 1,925 |
| Equity capital to assets | 6.5400% | 7,754 |
| Core capital (leverage) ratio | 6.5458% | 7,653 |
| Tier 1 risk-based capital ratio | 11.4489% | 5,480 |
| Total risk-based capital ratio | 12.6022% | 5,522 |
| Memoranda: | ||
| Average total assets | $63,835,750 | 6,252 |
| Average earning assets | $58,944,000 | 6,219 |
| Average equity | $4,139,750 | 7,309 |
| Average total loans | $30,914,500 | 6,630 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8937% | 2,610 |
| Cost of funding earning assets | 2.1485% | 3,052 |
| Net interest margin | 3.7452% | 3,769 |
| Noninterest income to average assets | 0.3650% | 5,590 |
| Noninterest expense to average assets | 2.6180% | 5,669 |
| Loan and lease loss provision to assets | 0.2014% | 5,045 |
| Net operating income to assets | 0.7520% | 3,034 |
| Return on assets (ROA) | 0.7520% | 3,139 |
| Pretax return on assets | 0.9849% | 3,065 |
| Return on Equity (ROE) | 11.6302% | 1,526 |
| Retained earnings to average equity (ytd only) | 5.2068% | 2,393 |
| Net charge-offs to loans | 0.5854% | 2,577 |
| Credit loss provision to net charge-offs | 71.1111% | 5,397 |
| Earnings coverage of net charge-offs (x) | 4.1889% | 3,181 |
| Efficiency ratio | 68.8172% | 5,007 |
| Assets per employee ($millions) | 3.7931% | 4,109 |
| Cash dividends to net income (ytd only)* | 55.2301% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 3,195 |
| Loan loss allowance to noncurrent loans | 69.6510% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.0220% | 4,931 |
| Noncurrent loans to loans | 2.1544% | 3,304 |
| Net loans and leases to total assets | 46.7255% | 7,146 |
| Net loans and leases to deposits | 52.8309% | 7,335 |
| Net loans and leases to core deposits | 67.5409% | 7,144 |
| Total domestic deposits to total assets | 88.4435% | 1,552 |
| Equity capital to assets | 6.4389% | 7,833 |
| Core capital (leverage) ratio | 6.5617% | 7,763 |
| Tier 1 risk-based capital ratio | 11.3847% | 5,513 |
| Total risk-based capital ratio | 12.5473% | 5,500 |
| Memoranda: | ||
| Average total assets | $63,559,670 | 6,310 |
| Average earning assets | $58,367,330 | 6,294 |
| Average equity | $4,110,000 | 7,376 |
| Average total loans | $30,747,330 | 6,690 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9719% | 2,475 |
| Cost of funding earning assets | 2.2809% | 2,789 |
| Net interest margin | 3.6910% | 3,930 |
| Noninterest income to average assets | 0.3423% | 5,715 |
| Noninterest expense to average assets | 2.4787% | 5,919 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9636% | 2,466 |
| Return on assets (ROA) | 0.9636% | 2,593 |
| Pretax return on assets | 1.2489% | 2,458 |
| Return on Equity (ROE) | 14.8692% | 999 |
| Retained earnings to average equity (ytd only) | 8.6085% | 1,596 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4966% | 5,233 |
| Assets per employee ($millions) | 3.6831% | 4,371 |
| Cash dividends to net income (ytd only)* | 42.1053% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 2,675 |
| Loan loss allowance to noncurrent loans | 108.0178% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.7283% | 5,337 |
| Noncurrent loans to loans | 1.4482% | 4,129 |
| Net loans and leases to total assets | 48.7407% | 6,963 |
| Net loans and leases to deposits | 55.5236% | 7,183 |
| Net loans and leases to core deposits | 69.8784% | 7,027 |
| Total domestic deposits to total assets | 87.7837% | 1,853 |
| Equity capital to assets | 6.6009% | 7,836 |
| Core capital (leverage) ratio | 6.7015% | 7,799 |
| Tier 1 risk-based capital ratio | 11.5955% | 5,313 |
| Total risk-based capital ratio | 12.7599% | 5,299 |
| Memoranda: | ||
| Average total assets | $63,098,000 | 6,355 |
| Average earning assets | $57,871,000 | 6,344 |
| Average equity | $4,089,000 | 7,425 |
| Average total loans | $30,826,500 | 6,714 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3982% | 3,428 |
| Cost of funding earning assets | 2.9128% | 2,209 |
| Net interest margin | 3.4855% | 5,346 |
| Noninterest income to average assets | 0.4096% | 5,394 |
| Noninterest expense to average assets | 2.4707% | 6,129 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8257% | 3,333 |
| Return on assets (ROA) | 0.8257% | 3,168 |
| Pretax return on assets | 1.1317% | 2,910 |
| Return on Equity (ROE) | 13.0642% | 1,312 |
| Retained earnings to average equity (ytd only) | 6.7370% | 1,249 |
| Net charge-offs to loans | -0.0066% | 7,810 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5843% | 4,612 |
| Assets per employee ($millions) | 3.7402% | 4,077 |
| Cash dividends to net income (ytd only)* | 48.4314% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5824% | 2,315 |
| Loan loss allowance to noncurrent loans | 132.1526% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.5898% | 5,417 |
| Noncurrent loans to loans | 1.1974% | 4,116 |
| Net loans and leases to total assets | 47.4419% | 7,228 |
| Net loans and leases to deposits | 53.7566% | 7,452 |
| Net loans and leases to core deposits | 69.7925% | 7,201 |
| Total domestic deposits to total assets | 88.2531% | 1,359 |
| Equity capital to assets | 6.3618% | 7,973 |
| Core capital (leverage) ratio | 6.5126% | 7,929 |
| Tier 1 risk-based capital ratio | 11.4524% | 5,285 |
| Total risk-based capital ratio | 12.6189% | 5,266 |
| Memoranda: | ||
| Average total assets | $61,764,400 | 6,331 |
| Average earning assets | $56,578,000 | 6,320 |
| Average equity | $3,903,800 | 7,550 |
| Average total loans | $30,424,400 | 6,683 |