Home > The First National Bank of Primghar > Performance and Condition Ratios
The First National Bank of Primghar, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4911% | 3,873 |
| Cost of funding earning assets | 1.8533% | 2,584 |
| Net interest margin | 2.6378% | 3,722 |
| Noninterest income to average assets | 0.1000% | 4,209 |
| Noninterest expense to average assets | 2.4099% | 2,549 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.1498% | 4,041 |
| Return on assets (ROA) | 0.1498% | 4,072 |
| Pretax return on assets | 0.1860% | 4,048 |
| Return on Equity (ROE) | 1.2400% | 4,080 |
| Retained earnings to average equity (ytd only) | 0.1707% | 3,864 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 87.4627% | 612 |
| Assets per employee ($millions) | 5.6481% | 3,170 |
| Cash dividends to net income (ytd only)* | 86.2069% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 2,412 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 65.1300% | 2,454 |
| Net loans and leases to deposits | 83.7475% | 1,803 |
| Net loans and leases to core deposits | 110.0714% | 934 |
| Total domestic deposits to total assets | 77.7700% | 3,808 |
| Equity capital to assets | 12.0217% | 1,174 |
| Core capital (leverage) ratio | 13.3039% | 971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2386% | 1,012 |
| Memoranda: | ||
| Average total assets | $38,715,600 | 4,315 |
| Average earning assets | $36,583,200 | 4,287 |
| Average equity | $4,685,800 | 4,268 |
| Average total loans | $24,229,600 | 4,165 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4837% | 3,857 |
| Cost of funding earning assets | 1.7861% | 2,752 |
| Net interest margin | 2.6976% | 3,599 |
| Noninterest income to average assets | 0.1100% | 4,188 |
| Noninterest expense to average assets | 2.3924% | 2,546 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.2354% | 3,948 |
| Return on assets (ROA) | 0.2354% | 3,979 |
| Pretax return on assets | 0.2631% | 3,998 |
| Return on Equity (ROE) | 1.9400% | 4,033 |
| Retained earnings to average equity (ytd only) | 1.2279% | 3,660 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 84.7458% | 769 |
| Assets per employee ($millions) | 5.2926% | 3,450 |
| Cash dividends to net income (ytd only)* | 36.7647% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 1,683 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 61.1000% | 2,823 |
| Net loans and leases to deposits | 70.7574% | 2,924 |
| Net loans and leases to core deposits | 88.0401% | 2,289 |
| Total domestic deposits to total assets | 86.3500% | 1,812 |
| Equity capital to assets | 13.1721% | 928 |
| Core capital (leverage) ratio | 13.8091% | 855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2434% | 759 |
| Memoranda: | ||
| Average total assets | $38,510,250 | 4,342 |
| Average earning assets | $36,278,500 | 4,317 |
| Average equity | $4,669,000 | 4,293 |
| Average total loans | $23,774,750 | 4,194 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4204% | 3,890 |
| Cost of funding earning assets | 1.7682% | 2,707 |
| Net interest margin | 2.6522% | 3,668 |
| Noninterest income to average assets | 0.1300% | 4,102 |
| Noninterest expense to average assets | 2.3027% | 2,786 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.2923% | 3,854 |
| Return on assets (ROA) | 0.2923% | 3,892 |
| Pretax return on assets | 0.3180% | 3,907 |
| Return on Equity (ROE) | 2.4800% | 3,961 |
| Retained earnings to average equity (ytd only) | 1.3917% | 3,511 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 82.3875% | 963 |
| Assets per employee ($millions) | 5.3777% | 3,324 |
| Cash dividends to net income (ytd only)* | 43.8596% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 1,819 |
| 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 | 61.3900% | 2,829 |
| Net loans and leases to deposits | 70.4092% | 2,958 |
| Net loans and leases to core deposits | 83.0721% | 2,599 |
| Total domestic deposits to total assets | 87.1900% | 1,581 |
| Equity capital to assets | 12.3658% | 1,045 |
| Core capital (leverage) ratio | 13.4381% | 945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9837% | 787 |
| Memoranda: | ||
| Average total assets | $38,997,667 | 4,360 |
| Average earning assets | $36,648,333 | 4,337 |
| Average equity | $4,598,667 | 4,307 |
| Average total loans | $24,054,333 | 4,208 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 3,861 |
| Cost of funding earning assets | 1.7823% | 2,554 |
| Net interest margin | 2.5983% | 3,718 |
| Noninterest income to average assets | 0.1500% | 3,964 |
| Noninterest expense to average assets | 2.3088% | 2,774 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.2521% | 3,896 |
| Return on assets (ROA) | 0.2521% | 3,934 |
| Pretax return on assets | 0.2823% | 3,938 |
| Return on Equity (ROE) | 2.1900% | 3,972 |
| Retained earnings to average equity (ytd only) | 2.1879% | 3,186 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 83.2685% | 967 |
| Assets per employee ($millions) | 5.5651% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 1,858 |
| 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 | 59.4300% | 2,918 |
| Net loans and leases to deposits | 67.6474% | 3,057 |
| Net loans and leases to core deposits | 77.0919% | 2,908 |
| Total domestic deposits to total assets | 87.8600% | 1,465 |
| Equity capital to assets | 11.7877% | 1,192 |
| Core capital (leverage) ratio | 12.8653% | 1,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7950% | 820 |
| Memoranda: | ||
| Average total assets | $39,674,500 | 4,379 |
| Average earning assets | $37,255,500 | 4,351 |
| Average equity | $4,570,500 | 4,330 |
| Average total loans | $24,377,000 | 4,228 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8780% | 4,104 |
| Cost of funding earning assets | 1.3173% | 2,468 |
| Net interest margin | 2.5608% | 4,019 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 2.4177% | 2,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0593% | 4,279 |
| Return on assets (ROA) | 0.0593% | 4,310 |
| Pretax return on assets | 0.1161% | 4,264 |
| Return on Equity (ROE) | 0.5100% | 4,303 |
| Retained earnings to average equity (ytd only) | -0.6040% | 4,153 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 88.9002% | 453 |
| Assets per employee ($millions) | 5.7850% | 2,997 |
| Cash dividends to net income (ytd only)* | 217.3913% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 2,375 |
| 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 | 61.7400% | 2,696 |
| Net loans and leases to deposits | 84.6115% | 1,727 |
| Net loans and leases to core deposits | 92.0813% | 1,894 |
| Total domestic deposits to total assets | 72.9700% | 4,170 |
| Equity capital to assets | 11.4360% | 1,313 |
| Core capital (leverage) ratio | 13.2566% | 979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1667% | 1,055 |
| Memoranda: | ||
| Average total assets | $38,755,600 | 4,401 |
| Average earning assets | $36,590,600 | 4,370 |
| Average equity | $4,470,000 | 4,309 |
| Average total loans | $23,317,800 | 4,248 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8199% | 4,093 |
| Cost of funding earning assets | 1.2268% | 2,347 |
| Net interest margin | 2.5931% | 4,042 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.4286% | 2,437 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0939% | 4,323 |
| Return on assets (ROA) | 0.0939% | 4,345 |
| Pretax return on assets | 0.1496% | 4,304 |
| Return on Equity (ROE) | 0.8100% | 4,333 |
| Retained earnings to average equity (ytd only) | 0.0602% | 4,101 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 87.7193% | 449 |
| Assets per employee ($millions) | 5.3101% | 3,342 |
| Cash dividends to net income (ytd only)* | 92.5926% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 1,885 |
| 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 | 61.5600% | 2,695 |
| Net loans and leases to deposits | 75.5722% | 2,455 |
| Net loans and leases to core deposits | 82.3383% | 2,446 |
| Total domestic deposits to total assets | 81.4500% | 3,318 |
| Equity capital to assets | 11.9475% | 1,049 |
| Core capital (leverage) ratio | 13.7983% | 864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3400% | 779 |
| Memoranda: | ||
| Average total assets | $38,320,750 | 4,425 |
| Average earning assets | $36,300,250 | 4,390 |
| Average equity | $4,429,750 | 4,319 |
| Average total loans | $22,822,000 | 4,274 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7765% | 4,053 |
| Cost of funding earning assets | 1.1986% | 1,997 |
| Net interest margin | 2.5779% | 4,132 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.3563% | 2,635 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1602% | 4,324 |
| Return on assets (ROA) | 0.1602% | 4,350 |
| Pretax return on assets | 0.2170% | 4,304 |
| Return on Equity (ROE) | 1.4000% | 4,338 |
| Retained earnings to average equity (ytd only) | 0.2711% | 4,027 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.9398% | 549 |
| Assets per employee ($millions) | 5.1346% | 3,469 |
| Cash dividends to net income (ytd only)* | 80.6452% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 1,522 |
| 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 | 58.6300% | 2,905 |
| Net loans and leases to deposits | 67.1917% | 2,974 |
| Net loans and leases to core deposits | 72.9160% | 2,967 |
| Total domestic deposits to total assets | 87.2500% | 1,847 |
| Equity capital to assets | 12.3477% | 962 |
| Core capital (leverage) ratio | 13.3960% | 905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7796% | 653 |
| Memoranda: | ||
| Average total assets | $38,704,000 | 4,444 |
| Average earning assets | $36,541,667 | 4,415 |
| Average equity | $4,426,000 | 4,348 |
| Average total loans | $22,702,333 | 4,291 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7234% | 3,989 |
| Cost of funding earning assets | 1.0957% | 1,761 |
| Net interest margin | 2.6276% | 4,176 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 2.2851% | 2,858 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2096% | 4,348 |
| Return on assets (ROA) | 0.2096% | 4,313 |
| Pretax return on assets | 0.2594% | 4,288 |
| Return on Equity (ROE) | 1.9000% | 4,317 |
| Retained earnings to average equity (ytd only) | 1.9005% | 3,719 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.5294% | 614 |
| Assets per employee ($millions) | 5.4953% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 1,941 |
| 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 | 58.2200% | 2,853 |
| Net loans and leases to deposits | 69.8500% | 2,622 |
| Net loans and leases to core deposits | 77.0204% | 2,457 |
| Total domestic deposits to total assets | 83.3500% | 3,231 |
| Equity capital to assets | 11.7035% | 1,089 |
| Core capital (leverage) ratio | 12.6571% | 1,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9429% | 1,160 |
| Memoranda: | ||
| Average total assets | $40,085,000 | 4,494 |
| Average earning assets | $37,600,500 | 4,470 |
| Average equity | $4,420,000 | 4,408 |
| Average total loans | $23,367,500 | 4,341 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4332% | 3,260 |
| Cost of funding earning assets | 0.4016% | 2,083 |
| Net interest margin | 3.0316% | 3,355 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 2.5292% | 2,026 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4393% | 4,191 |
| Return on assets (ROA) | 0.4393% | 4,152 |
| Pretax return on assets | 0.3977% | 4,278 |
| Return on Equity (ROE) | 3.8400% | 4,188 |
| Retained earnings to average equity (ytd only) | 2.7048% | 3,801 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.6394% | 669 |
| Assets per employee ($millions) | 5.9576% | 2,807 |
| Cash dividends to net income (ytd only)* | 29.5858% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 2,167 |
| 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 | 56.9200% | 2,925 |
| Net loans and leases to deposits | 70.6728% | 2,524 |
| Net loans and leases to core deposits | 75.0308% | 2,496 |
| Total domestic deposits to total assets | 80.5500% | 3,811 |
| Equity capital to assets | 10.4021% | 1,500 |
| Core capital (leverage) ratio | 12.6364% | 1,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6039% | 1,038 |
| Memoranda: | ||
| Average total assets | $38,470,600 | 4,543 |
| Average earning assets | $36,351,000 | 4,514 |
| Average equity | $4,399,600 | 4,493 |
| Average total loans | $21,998,000 | 4,380 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3621% | 3,006 |
| Cost of funding earning assets | 0.3087% | 2,070 |
| Net interest margin | 3.0534% | 3,067 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 2.5347% | 1,910 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4956% | 4,084 |
| Return on assets (ROA) | 0.4956% | 4,034 |
| Pretax return on assets | 0.4142% | 4,256 |
| Return on Equity (ROE) | 4.2300% | 4,112 |
| Retained earnings to average equity (ytd only) | 3.4729% | 3,638 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.1921% | 766 |
| Assets per employee ($millions) | 5.5463% | 3,170 |
| Cash dividends to net income (ytd only)* | 17.8571% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 1,825 |
| 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 | 56.6700% | 2,836 |
| Net loans and leases to deposits | 66.8175% | 2,645 |
| Net loans and leases to core deposits | 69.1201% | 2,712 |
| Total domestic deposits to total assets | 84.8200% | 3,328 |
| Equity capital to assets | 10.9906% | 1,184 |
| Core capital (leverage) ratio | 13.0097% | 908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6652% | 768 |
| Memoranda: | ||
| Average total assets | $37,662,500 | 4,585 |
| Average earning assets | $35,849,500 | 4,555 |
| Average equity | $4,415,000 | 4,534 |
| Average total loans | $21,487,750 | 4,417 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2731% | 2,819 |
| Cost of funding earning assets | 0.2986% | 1,725 |
| Net interest margin | 2.9746% | 2,959 |
| Noninterest income to average assets | 0.0429% | 4,652 |
| Noninterest expense to average assets | 2.6666% | 1,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2951% | 4,300 |
| Return on assets (ROA) | 0.2951% | 4,247 |
| Pretax return on assets | 0.2093% | 4,402 |
| Return on Equity (ROE) | 2.4640% | 4,298 |
| Retained earnings to average equity (ytd only) | 1.3440% | 3,912 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9403% | 541 |
| Assets per employee ($millions) | 5.5323% | 3,193 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 1,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 55.4460% | 2,810 |
| Net loans and leases to deposits | 62.4695% | 2,852 |
| Net loans and leases to core deposits | 65.0647% | 2,893 |
| Total domestic deposits to total assets | 88.7569% | 2,278 |
| Equity capital to assets | 10.9022% | 1,256 |
| Core capital (leverage) ratio | 13.1095% | 793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0882% | 703 |
| Memoranda: | ||
| Average total assets | $37,275,333 | 4,629 |
| Average earning assets | $35,501,000 | 4,613 |
| Average equity | $4,464,333 | 4,573 |
| Average total loans | $21,216,000 | 4,479 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2705% | 2,474 |
| Cost of funding earning assets | 0.3224% | 1,441 |
| Net interest margin | 2.9481% | 2,675 |
| Noninterest income to average assets | 0.0438% | 4,670 |
| Noninterest expense to average assets | 2.7688% | 1,217 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3502% | 4,055 |
| Return on assets (ROA) | 0.3502% | 4,020 |
| Pretax return on assets | 0.0766% | 4,468 |
| Return on Equity (ROE) | 2.7914% | 4,144 |
| Retained earnings to average equity (ytd only) | 2.7914% | 3,339 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9231% | 466 |
| Assets per employee ($millions) | 4.7043% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 1,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 53.0079% | 2,877 |
| Net loans and leases to deposits | 60.2216% | 2,881 |
| Net loans and leases to core deposits | 61.2383% | 3,043 |
| Total domestic deposits to total assets | 88.0215% | 2,518 |
| Equity capital to assets | 11.7022% | 1,060 |
| Core capital (leverage) ratio | 13.0135% | 774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4154% | 706 |
| Memoranda: | ||
| Average total assets | $36,550,000 | 4,659 |
| Average earning assets | $34,734,500 | 4,643 |
| Average equity | $4,585,500 | 4,605 |
| Average total loans | $20,938,000 | 4,502 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5007% | 2,658 |
| Cost of funding earning assets | 0.4447% | 1,243 |
| Net interest margin | 3.0560% | 3,032 |
| Noninterest income to average assets | 0.0543% | 4,715 |
| Noninterest expense to average assets | 2.4912% | 2,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3751% | 4,313 |
| Return on assets (ROA) | 0.3751% | 4,343 |
| Pretax return on assets | 0.4967% | 4,266 |
| Return on Equity (ROE) | 2.4432% | 4,446 |
| Retained earnings to average equity (ytd only) | 1.6007% | 4,091 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7403% | 821 |
| Assets per employee ($millions) | 4.4333% | 4,166 |
| Cash dividends to net income (ytd only)* | 34.4828% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 1,964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 60.1336% | 2,147 |
| Net loans and leases to deposits | 69.6528% | 2,165 |
| Net loans and leases to core deposits | 70.9222% | 2,367 |
| Total domestic deposits to total assets | 86.3334% | 2,789 |
| Equity capital to assets | 13.4410% | 784 |
| Core capital (leverage) ratio | 13.2296% | 748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3915% | 837 |
| Memoranda: | ||
| Average total assets | $38,656,000 | 4,673 |
| Average earning assets | $37,107,000 | 4,645 |
| Average equity | $5,934,800 | 4,533 |
| Average total loans | $20,575,000 | 4,558 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9349% | 4,112 |
| Cost of funding earning assets | 0.4569% | 1,307 |
| Net interest margin | 2.4780% | 4,316 |
| Noninterest income to average assets | 0.6759% | 1,907 |
| Noninterest expense to average assets | 2.3859% | 2,483 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5644% | 4,071 |
| Return on assets (ROA) | 0.5644% | 4,117 |
| Pretax return on assets | 0.6725% | 4,116 |
| Return on Equity (ROE) | 3.5759% | 4,377 |
| Retained earnings to average equity (ytd only) | 3.0406% | 3,896 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8066% | 1,147 |
| Assets per employee ($millions) | 4.8643% | 3,830 |
| Cash dividends to net income (ytd only)* | 14.9701% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 1,890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 53.1171% | 3,069 |
| Net loans and leases to deposits | 63.6901% | 2,883 |
| Net loans and leases to core deposits | 64.7800% | 3,061 |
| Total domestic deposits to total assets | 83.3993% | 3,608 |
| Equity capital to assets | 16.1973% | 397 |
| Core capital (leverage) ratio | 16.5292% | 352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6467% | 315 |
| Memoranda: | ||
| Average total assets | $39,453,500 | 4,737 |
| Average earning assets | $37,933,250 | 4,707 |
| Average equity | $6,226,750 | 4,574 |
| Average total loans | $20,312,000 | 4,628 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9162% | 4,197 |
| Cost of funding earning assets | 0.4773% | 1,348 |
| Net interest margin | 2.4389% | 4,383 |
| Noninterest income to average assets | 0.9891% | 1,091 |
| Noninterest expense to average assets | 2.3213% | 2,697 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9285% | 3,136 |
| Return on assets (ROA) | 0.9285% | 3,213 |
| Pretax return on assets | 1.0143% | 3,412 |
| Return on Equity (ROE) | 5.9342% | 3,919 |
| Retained earnings to average equity (ytd only) | 5.1279% | 3,137 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8684% | 2,033 |
| Assets per employee ($millions) | 4.9709% | 3,684 |
| Cash dividends to net income (ytd only)* | 13.5870% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 1,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 48.3793% | 3,691 |
| Net loans and leases to deposits | 57.6208% | 3,579 |
| Net loans and leases to core deposits | 58.5769% | 3,718 |
| Total domestic deposits to total assets | 83.9616% | 3,454 |
| Equity capital to assets | 15.6839% | 448 |
| Core capital (leverage) ratio | 15.8164% | 392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3053% | 266 |
| Memoranda: | ||
| Average total assets | $39,633,333 | 4,767 |
| Average earning assets | $38,132,000 | 4,733 |
| Average equity | $6,201,333 | 4,603 |
| Average total loans | $20,092,667 | 4,667 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0118% | 4,058 |
| Cost of funding earning assets | 0.5160% | 1,297 |
| Net interest margin | 2.4958% | 4,304 |
| Noninterest income to average assets | 1.4861% | 608 |
| Noninterest expense to average assets | 2.3960% | 2,501 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4659% | 1,403 |
| Return on assets (ROA) | 1.4659% | 1,466 |
| Pretax return on assets | 1.4861% | 2,037 |
| Return on Equity (ROE) | 9.3798% | 2,896 |
| Retained earnings to average equity (ytd only) | 9.3798% | 1,830 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8958% | 3,045 |
| Assets per employee ($millions) | 4.8473% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4882% | 1,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 51.2120% | 3,521 |
| Net loans and leases to deposits | 61.4221% | 3,375 |
| Net loans and leases to core deposits | 62.4713% | 3,541 |
| Total domestic deposits to total assets | 83.3772% | 3,594 |
| Equity capital to assets | 16.0735% | 382 |
| Core capital (leverage) ratio | 15.7601% | 398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1976% | 289 |
| Memoranda: | ||
| Average total assets | $39,566,500 | 4,790 |
| Average earning assets | $37,984,000 | 4,753 |
| Average equity | $6,183,500 | 4,626 |
| Average total loans | $20,369,500 | 4,683 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1813% | 2,194 |
| Cost of funding earning assets | 0.7468% | 1,470 |
| Net interest margin | 3.4345% | 2,656 |
| Noninterest income to average assets | 0.0661% | 4,837 |
| Noninterest expense to average assets | 2.5536% | 2,687 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5751% | 3,830 |
| Return on assets (ROA) | 0.5751% | 3,937 |
| Pretax return on assets | 0.7793% | 3,679 |
| Return on Equity (ROE) | 3.2698% | 4,309 |
| Retained earnings to average equity (ytd only) | 2.4523% | 3,629 |
| Net charge-offs to loans | 0.0943% | 1,516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 12.3182% | 2,342 |
| Efficiency ratio | 75.1510% | 1,321 |
| Assets per employee ($millions) | 5.0444% | 3,345 |
| Cash dividends to net income (ytd only)* | 25.0000% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4577% | 1,742 |
| Loan loss allowance to noncurrent loans | 10,000.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 4,409 |
| Noncurrent loans to loans | 0.0146% | 4,309 |
| Net loans and leases to total assets | 50.2540% | 3,808 |
| Net loans and leases to deposits | 59.6173% | 3,791 |
| Net loans and leases to core deposits | 61.3282% | 3,868 |
| Total domestic deposits to total assets | 84.2944% | 3,016 |
| Equity capital to assets | 15.2001% | 536 |
| Core capital (leverage) ratio | 16.0777% | 378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3166% | 311 |
| Memoranda: | ||
| Average total assets | $34,774,600 | 4,833 |
| Average earning assets | $33,075,800 | 4,811 |
| Average equity | $6,116,600 | 4,634 |
| Average total loans | $23,317,600 | 4,657 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5802% | 1,367 |
| Cost of funding earning assets | 0.7956% | 1,520 |
| Net interest margin | 3.7845% | 1,666 |
| Noninterest income to average assets | 0.0679% | 4,852 |
| Noninterest expense to average assets | 2.5963% | 2,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8428% | 2,937 |
| Return on assets (ROA) | 0.8428% | 3,065 |
| Pretax return on assets | 1.0625% | 2,871 |
| Return on Equity (ROE) | 4.6027% | 4,001 |
| Retained earnings to average equity (ytd only) | 4.0573% | 3,018 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5415% | 1,954 |
| Assets per employee ($millions) | 5.1200% | 3,095 |
| Cash dividends to net income (ytd only)* | 11.8483% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 1,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 60.1283% | 3,218 |
| Net loans and leases to deposits | 73.3992% | 3,008 |
| Net loans and leases to core deposits | 78.9667% | 2,927 |
| Total domestic deposits to total assets | 81.9196% | 3,443 |
| Equity capital to assets | 17.2879% | 347 |
| Core capital (leverage) ratio | 17.7949% | 281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9332% | 333 |
| Memoranda: | ||
| Average total assets | $33,379,500 | 4,873 |
| Average earning assets | $31,672,000 | 4,853 |
| Average equity | $6,112,250 | 4,657 |
| Average total loans | $24,002,000 | 4,667 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8414% | 1,073 |
| Cost of funding earning assets | 0.8479% | 1,612 |
| Net interest margin | 3.9935% | 1,338 |
| Noninterest income to average assets | 0.0737% | 4,856 |
| Noninterest expense to average assets | 2.6659% | 2,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0074% | 2,294 |
| Return on assets (ROA) | 1.0074% | 2,420 |
| Pretax return on assets | 1.1978% | 2,371 |
| Return on Equity (ROE) | 5.3909% | 3,721 |
| Retained earnings to average equity (ytd only) | 4.5691% | 2,668 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5676% | 2,298 |
| Assets per employee ($millions) | 4.1519% | 4,154 |
| Cash dividends to net income (ytd only)* | 15.2439% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 1,989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 73.4216% | 1,492 |
| Net loans and leases to deposits | 91.0268% | 1,262 |
| Net loans and leases to core deposits | 98.6130% | 1,361 |
| Total domestic deposits to total assets | 80.6593% | 3,692 |
| Equity capital to assets | 18.5639% | 260 |
| Core capital (leverage) ratio | 18.8267% | 252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0796% | 444 |
| Memoranda: | ||
| Average total assets | $32,559,333 | 4,906 |
| Average earning assets | $30,900,333 | 4,889 |
| Average equity | $6,084,333 | 4,678 |
| Average total loans | $24,712,000 | 4,670 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9407% | 1,086 |
| Cost of funding earning assets | 0.8995% | 1,872 |
| Net interest margin | 4.0412% | 1,285 |
| Noninterest income to average assets | 0.0745% | 4,913 |
| Noninterest expense to average assets | 2.7178% | 2,665 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0052% | 2,153 |
| Return on assets (ROA) | 1.0052% | 2,264 |
| Pretax return on assets | 1.2038% | 2,183 |
| Return on Equity (ROE) | 5.3611% | 3,523 |
| Retained earnings to average equity (ytd only) | 5.3611% | 2,136 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7215% | 2,720 |
| Assets per employee ($millions) | 4.0173% | 3,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 2,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 76.9650% | 1,138 |
| Net loans and leases to deposits | 98.1781% | 691 |
| Net loans and leases to core deposits | 106.9390% | 1,006 |
| Total domestic deposits to total assets | 78.3932% | 4,157 |
| Equity capital to assets | 18.9962% | 288 |
| Core capital (leverage) ratio | 18.5407% | 309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6818% | 589 |
| Memoranda: | ||
| Average total assets | $32,231,500 | 4,949 |
| Average earning assets | $30,684,000 | 4,927 |
| Average equity | $6,043,500 | 4,720 |
| Average total loans | $24,713,500 | 4,701 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7847% | 2,087 |
| Cost of funding earning assets | 1.0071% | 1,697 |
| Net interest margin | 3.7776% | 2,577 |
| Noninterest income to average assets | 0.1204% | 4,857 |
| Noninterest expense to average assets | 2.6426% | 3,052 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8367% | 3,426 |
| Return on assets (ROA) | 0.8367% | 3,517 |
| Pretax return on assets | 1.0564% | 3,311 |
| Return on Equity (ROE) | 4.7448% | 4,284 |
| Retained earnings to average equity (ytd only) | 3.8914% | 3,023 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8942% | 2,185 |
| Assets per employee ($millions) | 4.0406% | 3,856 |
| Cash dividends to net income (ytd only)* | 17.9856% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3213% | 1,830 |
| Loan loss allowance to noncurrent loans | 298.1481% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 3,086 |
| Noncurrent loans to loans | 0.4432% | 2,854 |
| Net loans and leases to total assets | 74.3944% | 1,682 |
| Net loans and leases to deposits | 92.0462% | 1,364 |
| Net loans and leases to core deposits | 99.9377% | 1,568 |
| Total domestic deposits to total assets | 80.8229% | 3,806 |
| Equity capital to assets | 18.5058% | 332 |
| Core capital (leverage) ratio | 18.0783% | 336 |
| Tier 1 risk-based capital ratio | 21.2000% | 1,129 |
| Total risk-based capital ratio | 22.3438% | 1,124 |
| Memoranda: | ||
| Average total assets | $33,224,800 | 4,992 |
| Average earning assets | $31,475,400 | 4,968 |
| Average equity | $5,859,000 | 4,775 |
| Average total loans | $23,856,800 | 4,786 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7157% | 2,368 |
| Cost of funding earning assets | 1.0180% | 1,690 |
| Net interest margin | 3.6976% | 2,932 |
| Noninterest income to average assets | 0.1156% | 4,936 |
| Noninterest expense to average assets | 2.5431% | 3,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8610% | 3,483 |
| Return on assets (ROA) | 0.8610% | 3,556 |
| Pretax return on assets | 1.0762% | 3,357 |
| Return on Equity (ROE) | 4.9413% | 4,344 |
| Retained earnings to average equity (ytd only) | 4.3694% | 3,214 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6123% | 2,319 |
| Assets per employee ($millions) | 4.1120% | 3,740 |
| Cash dividends to net income (ytd only)* | 11.5733% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 1,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 73.4314% | 1,928 |
| Net loans and leases to deposits | 96.1203% | 1,005 |
| Net loans and leases to core deposits | 104.6530% | 1,288 |
| Total domestic deposits to total assets | 76.3953% | 4,599 |
| Equity capital to assets | 18.1451% | 382 |
| Core capital (leverage) ratio | 17.7747% | 365 |
| Tier 1 risk-based capital ratio | 22.1409% | 1,049 |
| Total risk-based capital ratio | 23.3432% | 1,030 |
| Memoranda: | ||
| Average total assets | $33,449,750 | 5,060 |
| Average earning assets | $31,695,000 | 5,041 |
| Average equity | $5,828,250 | 4,842 |
| Average total loans | $23,728,500 | 4,859 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5506% | 2,845 |
| Cost of funding earning assets | 0.9854% | 1,766 |
| Net interest margin | 3.5652% | 3,379 |
| Noninterest income to average assets | 0.1011% | 5,033 |
| Noninterest expense to average assets | 2.5569% | 3,312 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7076% | 3,982 |
| Return on assets (ROA) | 0.7076% | 4,034 |
| Pretax return on assets | 0.9217% | 3,784 |
| Return on Equity (ROE) | 4.1167% | 4,557 |
| Retained earnings to average equity (ytd only) | 3.2518% | 3,598 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7949% | 1,947 |
| Assets per employee ($millions) | 4.9310% | 2,565 |
| Cash dividends to net income (ytd only)* | 21.0084% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3312% | 1,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 69.1427% | 2,654 |
| Net loans and leases to deposits | 97.9198% | 852 |
| Net loans and leases to core deposits | 106.8451% | 1,188 |
| Total domestic deposits to total assets | 70.6116% | 5,024 |
| Equity capital to assets | 16.9916% | 470 |
| Core capital (leverage) ratio | 17.2395% | 404 |
| Tier 1 risk-based capital ratio | 21.8686% | 1,068 |
| Total risk-based capital ratio | 23.0758% | 1,049 |
| Memoranda: | ||
| Average total assets | $33,634,330 | 5,099 |
| Average earning assets | $31,863,670 | 5,077 |
| Average equity | $5,781,330 | 4,878 |
| Average total loans | $23,478,670 | 4,907 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3280% | 3,475 |
| Cost of funding earning assets | 0.8352% | 2,351 |
| Net interest margin | 3.4928% | 3,608 |
| Noninterest income to average assets | 0.0964% | 5,093 |
| Noninterest expense to average assets | 2.5427% | 3,391 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6628% | 4,051 |
| Return on assets (ROA) | 0.6628% | 4,089 |
| Pretax return on assets | 0.8797% | 3,829 |
| Return on Equity (ROE) | 3.8331% | 4,610 |
| Retained earnings to average equity (ytd only) | 3.8331% | 3,386 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5352% | 1,954 |
| Assets per employee ($millions) | 4.7811% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 1,902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 70.6735% | 2,382 |
| Net loans and leases to deposits | 98.8838% | 709 |
| Net loans and leases to core deposits | 105.2320% | 1,225 |
| Total domestic deposits to total assets | 71.4713% | 5,062 |
| Equity capital to assets | 17.2852% | 421 |
| Core capital (leverage) ratio | 18.2917% | 322 |
| Tier 1 risk-based capital ratio | 20.8521% | 1,183 |
| Total risk-based capital ratio | 22.0107% | 1,177 |
| Memoranda: | ||
| Average total assets | $33,193,000 | 5,159 |
| Average earning assets | $31,608,000 | 5,132 |
| Average equity | $5,739,500 | 4,923 |
| Average total loans | $23,124,000 | 4,970 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3505% | 2,927 |
| Cost of funding earning assets | 0.5342% | 3,149 |
| Net interest margin | 3.8163% | 2,609 |
| Noninterest income to average assets | 0.1043% | 5,138 |
| Noninterest expense to average assets | 2.6038% | 3,323 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8437% | 3,629 |
| Return on assets (ROA) | 0.8437% | 3,626 |
| Pretax return on assets | 1.1123% | 3,224 |
| Return on Equity (ROE) | 4.8009% | 4,507 |
| Retained earnings to average equity (ytd only) | 3.9019% | 3,437 |
| Net charge-offs to loans | -0.0047% | 4,344 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1122% | 2,523 |
| Assets per employee ($millions) | 4.7026% | 2,874 |
| Cash dividends to net income (ytd only)* | 18.7266% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 1,466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 66.6839% | 3,042 |
| Net loans and leases to deposits | 86.0891% | 2,261 |
| Net loans and leases to core deposits | 89.7424% | 2,594 |
| Total domestic deposits to total assets | 77.4591% | 4,567 |
| Equity capital to assets | 17.2975% | 395 |
| Core capital (leverage) ratio | 18.3995% | 302 |
| Tier 1 risk-based capital ratio | 22.1583% | 1,008 |
| Total risk-based capital ratio | 23.4011% | 988 |
| Memoranda: | ||
| Average total assets | $31,646,600 | 5,219 |
| Average earning assets | $29,950,400 | 5,196 |
| Average equity | $5,561,400 | 4,960 |
| Average total loans | $21,154,000 | 5,051 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2975% | 2,972 |
| Cost of funding earning assets | 0.4725% | 3,380 |
| Net interest margin | 3.8250% | 2,547 |
| Noninterest income to average assets | 0.1021% | 5,207 |
| Noninterest expense to average assets | 2.6088% | 3,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8895% | 3,586 |
| Return on assets (ROA) | 0.8895% | 3,586 |
| Pretax return on assets | 1.1108% | 3,353 |
| Return on Equity (ROE) | 5.0407% | 4,543 |
| Retained earnings to average equity (ytd only) | 4.4378% | 3,533 |
| Net charge-offs to loans | -0.0064% | 4,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0778% | 2,524 |
| Assets per employee ($millions) | 4.4341% | 3,222 |
| Cash dividends to net income (ytd only)* | 11.9608% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4750% | 1,435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 69.2935% | 2,758 |
| Net loans and leases to deposits | 88.6635% | 2,070 |
| Net loans and leases to core deposits | 93.6393% | 2,332 |
| Total domestic deposits to total assets | 78.1533% | 4,462 |
| Equity capital to assets | 18.0418% | 331 |
| Core capital (leverage) ratio | 18.4599% | 297 |
| Tier 1 risk-based capital ratio | 23.1412% | 921 |
| Total risk-based capital ratio | 24.3939% | 897 |
| Memoranda: | ||
| Average total assets | $31,328,750 | 5,291 |
| Average earning assets | $29,629,000 | 5,269 |
| Average equity | $5,528,250 | 5,025 |
| Average total loans | $20,874,250 | 5,117 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2200% | 3,050 |
| Cost of funding earning assets | 0.4321% | 3,485 |
| Net interest margin | 3.7879% | 2,604 |
| Noninterest income to average assets | 0.0955% | 5,281 |
| Noninterest expense to average assets | 2.5839% | 3,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8655% | 3,603 |
| Return on assets (ROA) | 0.8655% | 3,604 |
| Pretax return on assets | 1.0819% | 3,384 |
| Return on Equity (ROE) | 4.9416% | 4,567 |
| Retained earnings to average equity (ytd only) | 4.0332% | 3,601 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2292% | 2,608 |
| Assets per employee ($millions) | 4.4343% | 3,229 |
| Cash dividends to net income (ytd only)* | 18.3824% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 1,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 66.0148% | 3,150 |
| Net loans and leases to deposits | 81.6537% | 2,802 |
| Net loans and leases to core deposits | 86.0569% | 2,920 |
| Total domestic deposits to total assets | 80.8473% | 4,042 |
| Equity capital to assets | 17.8286% | 342 |
| Core capital (leverage) ratio | 18.9157% | 271 |
| Tier 1 risk-based capital ratio | 24.1940% | 817 |
| Total risk-based capital ratio | 25.4466% | 791 |
| Memoranda: | ||
| Average total assets | $31,425,330 | 5,354 |
| Average earning assets | $29,620,670 | 5,334 |
| Average equity | $5,504,330 | 5,082 |
| Average total loans | $20,555,670 | 5,183 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1408% | 3,088 |
| Cost of funding earning assets | 0.4020% | 3,566 |
| Net interest margin | 3.7388% | 2,651 |
| Noninterest income to average assets | 0.1012% | 5,325 |
| Noninterest expense to average assets | 2.6947% | 3,060 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7211% | 4,024 |
| Return on assets (ROA) | 0.7211% | 4,031 |
| Pretax return on assets | 0.9362% | 3,741 |
| Return on Equity (ROE) | 4.1534% | 4,729 |
| Retained earnings to average equity (ytd only) | 4.1534% | 3,535 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 2,275 |
| Assets per employee ($millions) | 4.4571% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 1,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 64.0128% | 3,301 |
| Net loans and leases to deposits | 78.8908% | 2,930 |
| Net loans and leases to core deposits | 83.0955% | 3,055 |
| Total domestic deposits to total assets | 81.1410% | 4,167 |
| Equity capital to assets | 17.6154% | 345 |
| Core capital (leverage) ratio | 18.1483% | 303 |
| Tier 1 risk-based capital ratio | 23.4183% | 902 |
| Total risk-based capital ratio | 24.6677% | 879 |
| Memoranda: | ||
| Average total assets | $31,618,000 | 5,412 |
| Average earning assets | $29,849,000 | 5,389 |
| Average equity | $5,489,500 | 5,138 |
| Average total loans | $20,427,500 | 5,243 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2868% | 2,375 |
| Cost of funding earning assets | 0.4130% | 3,125 |
| Net interest margin | 3.8738% | 2,173 |
| Noninterest income to average assets | 0.1045% | 5,398 |
| Noninterest expense to average assets | 2.7458% | 2,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6556% | 3,798 |
| Return on assets (ROA) | 0.6556% | 3,835 |
| Pretax return on assets | 1.0420% | 3,409 |
| Return on Equity (ROE) | 3.7984% | 4,558 |
| Retained earnings to average equity (ytd only) | 2.8809% | 3,585 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9799% | 2,704 |
| Assets per employee ($millions) | 4.5771% | 3,066 |
| Cash dividends to net income (ytd only)* | 24.1546% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 1,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 63.1742% | 3,468 |
| Net loans and leases to deposits | 77.3443% | 3,186 |
| Net loans and leases to core deposits | 81.3087% | 3,311 |
| Total domestic deposits to total assets | 81.6792% | 3,944 |
| Equity capital to assets | 17.1255% | 388 |
| Core capital (leverage) ratio | 17.6170% | 322 |
| Tier 1 risk-based capital ratio | 23.3795% | 871 |
| Total risk-based capital ratio | 24.6301% | 857 |
| Memoranda: | ||
| Average total assets | $31,575,200 | 5,471 |
| Average earning assets | $30,022,400 | 5,441 |
| Average equity | $5,449,600 | 5,191 |
| Average total loans | $22,511,600 | 5,239 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 2,195 |
| Cost of funding earning assets | 0.4179% | 3,005 |
| Net interest margin | 3.9081% | 2,015 |
| Noninterest income to average assets | 0.1017% | 5,472 |
| Noninterest expense to average assets | 2.7337% | 2,947 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7671% | 3,660 |
| Return on assets (ROA) | 0.7671% | 3,714 |
| Pretax return on assets | 1.0935% | 3,326 |
| Return on Equity (ROE) | 4.4360% | 4,733 |
| Retained earnings to average equity (ytd only) | 3.8232% | 3,645 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6633% | 2,934 |
| Assets per employee ($millions) | 4.4377% | 3,260 |
| Cash dividends to net income (ytd only)* | 13.8110% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 1,461 |
| Loan loss allowance to noncurrent loans | 583.6364% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 4,395 |
| Noncurrent loans to loans | 0.2607% | 4,027 |
| Net loans and leases to total assets | 66.8845% | 2,992 |
| Net loans and leases to deposits | 82.8231% | 2,681 |
| Net loans and leases to core deposits | 87.2470% | 2,848 |
| Total domestic deposits to total assets | 80.7559% | 4,121 |
| Equity capital to assets | 17.7537% | 352 |
| Core capital (leverage) ratio | 18.1600% | 298 |
| Tier 1 risk-based capital ratio | 24.0952% | 842 |
| Total risk-based capital ratio | 25.3482% | 822 |
| Memoranda: | ||
| Average total assets | $31,459,000 | 5,533 |
| Average earning assets | $29,988,500 | 5,498 |
| Average equity | $5,440,250 | 5,254 |
| Average total loans | $22,999,000 | 5,276 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3563% | 1,958 |
| Cost of funding earning assets | 0.4184% | 2,906 |
| Net interest margin | 3.9379% | 1,815 |
| Noninterest income to average assets | 0.1013% | 5,512 |
| Noninterest expense to average assets | 2.7160% | 3,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7914% | 3,434 |
| Return on assets (ROA) | 0.7914% | 3,492 |
| Pretax return on assets | 1.1396% | 3,008 |
| Return on Equity (ROE) | 4.6165% | 4,623 |
| Retained earnings to average equity (ytd only) | 3.6932% | 3,497 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3383% | 3,297 |
| Assets per employee ($millions) | 4.2921% | 3,447 |
| Cash dividends to net income (ytd only)* | 20.0000% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 1,907 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 74.6747% | 1,756 |
| Net loans and leases to deposits | 92.9874% | 1,361 |
| Net loans and leases to core deposits | 97.0877% | 1,882 |
| Total domestic deposits to total assets | 80.3062% | 4,347 |
| Equity capital to assets | 18.1794% | 315 |
| Core capital (leverage) ratio | 17.8886% | 305 |
| Tier 1 risk-based capital ratio | 22.3445% | 1,008 |
| Total risk-based capital ratio | 23.5961% | 990 |
| Memoranda: | ||
| Average total assets | $31,590,670 | 5,577 |
| Average earning assets | $30,117,330 | 5,542 |
| Average equity | $5,415,330 | 5,291 |
| Average total loans | $23,632,670 | 5,297 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3291% | 1,885 |
| Cost of funding earning assets | 0.4148% | 2,860 |
| Net interest margin | 3.9143% | 1,730 |
| Noninterest income to average assets | 0.0989% | 5,597 |
| Noninterest expense to average assets | 2.7809% | 2,858 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7416% | 3,512 |
| Return on assets (ROA) | 0.7416% | 3,564 |
| Pretax return on assets | 1.0506% | 3,170 |
| Return on Equity (ROE) | 4.4510% | 4,620 |
| Retained earnings to average equity (ytd only) | 4.4510% | 3,202 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7419% | 3,244 |
| Assets per employee ($millions) | 4.4887% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3624% | 2,249 |
| Loan loss allowance to noncurrent loans | 10,700.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 5,323 |
| Noncurrent loans to loans | 0.0127% | 5,191 |
| Net loans and leases to total assets | 73.9633% | 1,751 |
| Net loans and leases to deposits | 93.9180% | 1,112 |
| Net loans and leases to core deposits | 97.9351% | 1,661 |
| Total domestic deposits to total assets | 78.7531% | 4,869 |
| Equity capital to assets | 17.2560% | 360 |
| Core capital (leverage) ratio | 16.8108% | 380 |
| Tier 1 risk-based capital ratio | 20.7176% | 1,261 |
| Total risk-based capital ratio | 21.9441% | 1,241 |
| Memoranda: | ||
| Average total assets | $32,363,500 | 5,633 |
| Average earning assets | $30,861,000 | 5,598 |
| Average equity | $5,392,000 | 5,344 |
| Average total loans | $24,070,500 | 5,331 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2601% | 2,275 |
| Cost of funding earning assets | 0.4229% | 2,779 |
| Net interest margin | 3.8371% | 2,179 |
| Noninterest income to average assets | 0.1138% | 5,605 |
| Noninterest expense to average assets | 2.6414% | 3,555 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7793% | 3,407 |
| Return on assets (ROA) | 0.7793% | 3,511 |
| Pretax return on assets | 1.1266% | 2,990 |
| Return on Equity (ROE) | 5.0706% | 4,403 |
| Retained earnings to average equity (ytd only) | 4.1211% | 2,975 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5941% | 4,014 |
| Assets per employee ($millions) | 4.7580% | 2,714 |
| Cash dividends to net income (ytd only)* | 18.7266% | 3,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 2,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 72.8367% | 2,033 |
| Net loans and leases to deposits | 94.7876% | 1,114 |
| Net loans and leases to core deposits | 97.6964% | 1,787 |
| Total domestic deposits to total assets | 76.8420% | 5,138 |
| Equity capital to assets | 16.0992% | 485 |
| Core capital (leverage) ratio | 16.1545% | 442 |
| Tier 1 risk-based capital ratio | 19.9925% | 1,373 |
| Total risk-based capital ratio | 21.1894% | 1,353 |
| Memoranda: | ||
| Average total assets | $34,262,000 | 5,646 |
| Average earning assets | $32,628,600 | 5,613 |
| Average equity | $5,265,600 | 5,418 |
| Average total loans | $24,068,600 | 5,388 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2505% | 2,335 |
| Cost of funding earning assets | 0.4218% | 2,826 |
| Net interest margin | 3.8287% | 2,234 |
| Noninterest income to average assets | 0.1082% | 5,678 |
| Noninterest expense to average assets | 2.6008% | 3,658 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8038% | 3,347 |
| Return on assets (ROA) | 0.8038% | 3,489 |
| Pretax return on assets | 1.1555% | 3,022 |
| Return on Equity (ROE) | 5.2910% | 4,391 |
| Retained earnings to average equity (ytd only) | 4.6550% | 3,053 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2428% | 4,182 |
| Assets per employee ($millions) | 4.8333% | 2,577 |
| Cash dividends to net income (ytd only)* | 12.0182% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 2,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 72.1514% | 2,168 |
| Net loans and leases to deposits | 96.4176% | 1,011 |
| Net loans and leases to core deposits | 100.0738% | 1,628 |
| Total domestic deposits to total assets | 74.8323% | 5,352 |
| Equity capital to assets | 15.7834% | 588 |
| Core capital (leverage) ratio | 15.9116% | 491 |
| Tier 1 risk-based capital ratio | 19.8310% | 1,479 |
| Total risk-based capital ratio | 21.0258% | 1,452 |
| Memoranda: | ||
| Average total assets | $34,501,000 | 5,701 |
| Average earning assets | $32,874,000 | 5,668 |
| Average equity | $5,241,500 | 5,480 |
| Average total loans | $23,940,750 | 5,450 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2357% | 2,383 |
| Cost of funding earning assets | 0.4236% | 2,795 |
| Net interest margin | 3.8121% | 2,264 |
| Noninterest income to average assets | 0.1152% | 5,723 |
| Noninterest expense to average assets | 2.6668% | 3,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7545% | 3,526 |
| Return on assets (ROA) | 0.7545% | 3,679 |
| Pretax return on assets | 1.0771% | 3,294 |
| Return on Equity (ROE) | 5.0301% | 4,503 |
| Retained earnings to average equity (ytd only) | 4.0701% | 3,316 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8462% | 4,048 |
| Assets per employee ($millions) | 4.8770% | 2,440 |
| Cash dividends to net income (ytd only)* | 19.0840% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 2,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 68.5462% | 2,700 |
| Net loans and leases to deposits | 87.3889% | 2,081 |
| Net loans and leases to core deposits | 89.6384% | 2,572 |
| Total domestic deposits to total assets | 78.4381% | 4,904 |
| Equity capital to assets | 15.4340% | 643 |
| Core capital (leverage) ratio | 15.3621% | 545 |
| Tier 1 risk-based capital ratio | 20.1033% | 1,443 |
| Total risk-based capital ratio | 21.3321% | 1,408 |
| Memoranda: | ||
| Average total assets | $34,723,670 | 5,768 |
| Average earning assets | $33,052,670 | 5,732 |
| Average equity | $5,208,670 | 5,545 |
| Average total loans | $23,677,000 | 5,515 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2648% | 2,253 |
| Cost of funding earning assets | 0.4205% | 2,858 |
| Net interest margin | 3.8444% | 2,127 |
| Noninterest income to average assets | 0.1257% | 5,711 |
| Noninterest expense to average assets | 2.6959% | 3,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7654% | 3,414 |
| Return on assets (ROA) | 0.7654% | 3,523 |
| Pretax return on assets | 1.0852% | 3,148 |
| Return on Equity (ROE) | 5.1752% | 4,412 |
| Retained earnings to average equity (ytd only) | 5.1752% | 2,832 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4441% | 4,227 |
| Assets per employee ($millions) | 4.9573% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 2,701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 68.0701% | 2,640 |
| Net loans and leases to deposits | 91.1726% | 1,444 |
| Net loans and leases to core deposits | 93.5967% | 2,038 |
| Total domestic deposits to total assets | 74.6607% | 5,551 |
| Equity capital to assets | 15.0399% | 685 |
| Core capital (leverage) ratio | 14.8498% | 630 |
| Tier 1 risk-based capital ratio | 18.9286% | 1,752 |
| Total risk-based capital ratio | 20.0944% | 1,735 |
| Memoranda: | ||
| Average total assets | $35,016,000 | 5,821 |
| Average earning assets | $33,295,500 | 5,782 |
| Average equity | $5,178,500 | 5,590 |
| Average total loans | $23,654,500 | 5,565 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1570% | 2,712 |
| Cost of funding earning assets | 0.4088% | 3,059 |
| Net interest margin | 3.7481% | 2,564 |
| Noninterest income to average assets | 0.0829% | 5,919 |
| Noninterest expense to average assets | 2.6740% | 3,675 |
| Loan and lease loss provision to assets | 0.1481% | 1,590 |
| Net operating income to assets | 0.6100% | 4,219 |
| Return on assets (ROA) | 0.6100% | 4,316 |
| Pretax return on assets | 0.8173% | 4,134 |
| Return on Equity (ROE) | 4.0662% | 4,915 |
| Retained earnings to average equity (ytd only) | 3.0792% | 3,867 |
| Net charge-offs to loans | 0.0187% | 3,900 |
| Credit loss provision to net charge-offs | 1,250.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 81.5000% | 689 |
| Efficiency ratio | 63.4662% | 4,374 |
| Assets per employee ($millions) | 5.0473% | 2,311 |
| Cash dividends to net income (ytd only)* | 24.2718% | 3,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 2,540 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 65.2288% | 3,092 |
| Net loans and leases to deposits | 89.0013% | 1,749 |
| Net loans and leases to core deposits | 91.2460% | 2,294 |
| Total domestic deposits to total assets | 73.2897% | 5,703 |
| Equity capital to assets | 14.5425% | 760 |
| Core capital (leverage) ratio | 14.7477% | 665 |
| Tier 1 risk-based capital ratio | 18.8342% | 1,738 |
| Total risk-based capital ratio | 20.0095% | 1,716 |
| Memoranda: | ||
| Average total assets | $33,769,400 | 5,896 |
| Average earning assets | $32,042,600 | 5,854 |
| Average equity | $5,066,200 | 5,641 |
| Average total loans | $21,385,800 | 5,666 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 2,834 |
| Cost of funding earning assets | 0.4116% | 3,104 |
| Net interest margin | 3.7129% | 2,711 |
| Noninterest income to average assets | 0.0759% | 6,027 |
| Noninterest expense to average assets | 2.6723% | 3,661 |
| Loan and lease loss provision to assets | 0.0999% | 2,182 |
| Net operating income to assets | 0.6231% | 4,269 |
| Return on assets (ROA) | 0.6231% | 4,380 |
| Pretax return on assets | 0.8348% | 4,224 |
| Return on Equity (ROE) | 4.1200% | 4,987 |
| Retained earnings to average equity (ytd only) | 3.4598% | 4,002 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7874% | 4,289 |
| Assets per employee ($millions) | 4.8169% | 2,540 |
| Cash dividends to net income (ytd only)* | 16.0248% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 2,597 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 62.6431% | 3,516 |
| Net loans and leases to deposits | 83.0235% | 2,526 |
| Net loans and leases to core deposits | 85.1488% | 2,938 |
| Total domestic deposits to total assets | 75.4523% | 5,579 |
| Equity capital to assets | 15.2263% | 691 |
| Core capital (leverage) ratio | 15.1967% | 601 |
| Tier 1 risk-based capital ratio | 20.7625% | 1,390 |
| Total risk-based capital ratio | 21.9793% | 1,364 |
| Memoranda: | ||
| Average total assets | $33,379,000 | 5,983 |
| Average earning assets | $31,744,750 | 5,941 |
| Average equity | $5,048,250 | 5,714 |
| Average total loans | $20,890,500 | 5,753 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1002% | 2,894 |
| Cost of funding earning assets | 0.4170% | 3,070 |
| Net interest margin | 3.6832% | 2,783 |
| Noninterest income to average assets | 0.0721% | 6,106 |
| Noninterest expense to average assets | 2.7295% | 3,492 |
| Loan and lease loss provision to assets | 0.1503% | 1,421 |
| Net operating income to assets | 0.5411% | 4,598 |
| Return on assets (ROA) | 0.5411% | 4,706 |
| Pretax return on assets | 0.6974% | 4,662 |
| Return on Equity (ROE) | 3.5859% | 5,184 |
| Retained earnings to average equity (ytd only) | 2.5898% | 4,409 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8824% | 4,031 |
| Assets per employee ($millions) | 4.7870% | 2,562 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 2,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 60.3271% | 3,782 |
| Net loans and leases to deposits | 81.5351% | 2,618 |
| Net loans and leases to core deposits | 83.6748% | 3,017 |
| Total domestic deposits to total assets | 73.9891% | 5,798 |
| Equity capital to assets | 15.1064% | 682 |
| Core capital (leverage) ratio | 15.2268% | 586 |
| Tier 1 risk-based capital ratio | 21.8499% | 1,226 |
| Total risk-based capital ratio | 23.0995% | 1,213 |
| Memoranda: | ||
| Average total assets | $33,266,000 | 6,053 |
| Average earning assets | $31,657,000 | 6,007 |
| Average equity | $5,019,670 | 5,775 |
| Average total loans | $20,713,330 | 5,818 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0349% | 3,101 |
| Cost of funding earning assets | 0.4161% | 3,129 |
| Net interest margin | 3.6188% | 2,935 |
| Noninterest income to average assets | 0.0603% | 6,207 |
| Noninterest expense to average assets | 2.8240% | 3,161 |
| Loan and lease loss provision to assets | 0.3017% | 481 |
| Net operating income to assets | 0.3621% | 5,212 |
| Return on assets (ROA) | 0.3621% | 5,330 |
| Pretax return on assets | 0.3983% | 5,437 |
| Return on Equity (ROE) | 2.4007% | 5,573 |
| Retained earnings to average equity (ytd only) | 2.4007% | 4,492 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5205% | 3,575 |
| Assets per employee ($millions) | 4.7013% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4537% | 2,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 61.7977% | 3,407 |
| Net loans and leases to deposits | 80.3009% | 2,529 |
| Net loans and leases to core deposits | 82.3560% | 2,928 |
| Total domestic deposits to total assets | 76.9577% | 5,618 |
| Equity capital to assets | 15.2755% | 662 |
| Core capital (leverage) ratio | 14.6262% | 665 |
| Tier 1 risk-based capital ratio | 20.6310% | 1,498 |
| Total risk-based capital ratio | 21.8829% | 1,461 |
| Memoranda: | ||
| Average total assets | $33,144,500 | 6,121 |
| Average earning assets | $31,723,500 | 6,069 |
| Average equity | $4,998,500 | 5,835 |
| Average total loans | $20,812,500 | 5,861 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0097% | 3,692 |
| Cost of funding earning assets | 0.4224% | 3,455 |
| Net interest margin | 3.5873% | 3,454 |
| Noninterest income to average assets | 0.0945% | 6,171 |
| Noninterest expense to average assets | 2.9790% | 2,908 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4755% | 4,902 |
| Return on assets (ROA) | 0.4755% | 4,996 |
| Pretax return on assets | 0.5385% | 5,147 |
| Return on Equity (ROE) | 3.0699% | 5,456 |
| Retained earnings to average equity (ytd only) | 2.0533% | 4,752 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6052% | 3,102 |
| Assets per employee ($millions) | 4.7686% | 2,638 |
| Cash dividends to net income (ytd only)* | 33.1126% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 3,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 62.0521% | 3,491 |
| Net loans and leases to deposits | 82.6240% | 2,394 |
| Net loans and leases to core deposits | 83.4764% | 2,956 |
| Total domestic deposits to total assets | 75.1019% | 5,848 |
| Equity capital to assets | 14.8892% | 722 |
| Core capital (leverage) ratio | 15.2660% | 569 |
| Tier 1 risk-based capital ratio | 20.6226% | 1,489 |
| Total risk-based capital ratio | 21.7596% | 1,480 |
| Memoranda: | ||
| Average total assets | $31,755,200 | 6,220 |
| Average earning assets | $30,301,600 | 6,176 |
| Average equity | $4,918,800 | 5,878 |
| Average total loans | $18,436,400 | 6,024 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9962% | 3,775 |
| Cost of funding earning assets | 0.4202% | 3,572 |
| Net interest margin | 3.5761% | 3,525 |
| Noninterest income to average assets | 0.0936% | 6,270 |
| Noninterest expense to average assets | 2.9516% | 2,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4721% | 4,985 |
| Return on assets (ROA) | 0.4721% | 5,067 |
| Pretax return on assets | 0.5444% | 5,197 |
| Return on Equity (ROE) | 3.0167% | 5,534 |
| Retained earnings to average equity (ytd only) | 2.3371% | 4,883 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0195% | 3,173 |
| Assets per employee ($millions) | 4.5644% | 2,859 |
| Cash dividends to net income (ytd only)* | 22.5203% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 3,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 59.4191% | 3,880 |
| Net loans and leases to deposits | 73.6767% | 3,471 |
| Net loans and leases to core deposits | 74.4160% | 3,906 |
| Total domestic deposits to total assets | 80.6485% | 4,928 |
| Equity capital to assets | 15.5238% | 631 |
| Core capital (leverage) ratio | 16.0384% | 470 |
| Tier 1 risk-based capital ratio | 22.9937% | 1,109 |
| Total risk-based capital ratio | 24.2419% | 1,091 |
| Memoranda: | ||
| Average total assets | $31,349,000 | 6,302 |
| Average earning assets | $29,827,250 | 6,259 |
| Average equity | $4,906,000 | 5,937 |
| Average total loans | $17,798,500 | 6,114 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9932% | 3,750 |
| Cost of funding earning assets | 0.4257% | 3,596 |
| Net interest margin | 3.5675% | 3,497 |
| Noninterest income to average assets | 0.1027% | 6,276 |
| Noninterest expense to average assets | 2.9986% | 2,832 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4430% | 5,042 |
| Return on assets (ROA) | 0.4430% | 5,117 |
| Pretax return on assets | 0.4944% | 5,291 |
| Return on Equity (ROE) | 2.8232% | 5,585 |
| Retained earnings to average equity (ytd only) | 1.8003% | 4,990 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1618% | 3,126 |
| Assets per employee ($millions) | 4.3809% | 3,114 |
| Cash dividends to net income (ytd only)* | 36.2319% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 2,677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 56.8382% | 4,136 |
| Net loans and leases to deposits | 67.9267% | 4,063 |
| Net loans and leases to core deposits | 68.6112% | 4,402 |
| Total domestic deposits to total assets | 83.6757% | 4,042 |
| Equity capital to assets | 16.0503% | 546 |
| Core capital (leverage) ratio | 15.9812% | 481 |
| Tier 1 risk-based capital ratio | 24.6144% | 915 |
| Total risk-based capital ratio | 25.8673% | 898 |
| Memoranda: | ||
| Average total assets | $31,148,330 | 6,367 |
| Average earning assets | $29,600,330 | 6,322 |
| Average equity | $4,888,000 | 5,983 |
| Average total loans | $17,311,670 | 6,185 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9927% | 3,716 |
| Cost of funding earning assets | 0.4167% | 3,799 |
| Net interest margin | 3.5759% | 3,358 |
| Noninterest income to average assets | 0.0892% | 6,365 |
| Noninterest expense to average assets | 3.0838% | 2,580 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3568% | 5,287 |
| Return on assets (ROA) | 0.3568% | 5,348 |
| Pretax return on assets | 0.3950% | 5,472 |
| Return on Equity (ROE) | 2.2993% | 5,710 |
| Retained earnings to average equity (ytd only) | 2.2993% | 4,683 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1905% | 2,767 |
| Assets per employee ($millions) | 4.5396% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 2,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 52.8999% | 4,553 |
| Net loans and leases to deposits | 62.6421% | 4,473 |
| Net loans and leases to core deposits | 63.2430% | 4,761 |
| Total domestic deposits to total assets | 84.4479% | 4,103 |
| Equity capital to assets | 15.3979% | 617 |
| Core capital (leverage) ratio | 15.6272% | 522 |
| Tier 1 risk-based capital ratio | 24.5570% | 933 |
| Total risk-based capital ratio | 25.8084% | 916 |
| Memoranda: | ||
| Average total assets | $31,389,500 | 6,429 |
| Average earning assets | $29,754,500 | 6,385 |
| Average equity | $4,871,000 | 6,026 |
| Average total loans | $17,115,500 | 6,252 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2529% | 3,142 |
| Cost of funding earning assets | 0.5299% | 3,282 |
| Net interest margin | 3.7230% | 2,961 |
| Noninterest income to average assets | 0.0916% | 6,415 |
| Noninterest expense to average assets | 3.0187% | 3,005 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4263% | 5,049 |
| Return on assets (ROA) | 0.4263% | 5,163 |
| Pretax return on assets | 0.5336% | 5,095 |
| Return on Equity (ROE) | 2.7865% | 5,587 |
| Retained earnings to average equity (ytd only) | 1.7545% | 4,982 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9111% | 3,495 |
| Assets per employee ($millions) | 4.4289% | 3,033 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 2,771 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 54.4255% | 4,532 |
| Net loans and leases to deposits | 64.5980% | 4,451 |
| Net loans and leases to core deposits | 65.2349% | 4,756 |
| Total domestic deposits to total assets | 84.2526% | 4,075 |
| Equity capital to assets | 15.6409% | 582 |
| Core capital (leverage) ratio | 15.4870% | 545 |
| Tier 1 risk-based capital ratio | 23.6925% | 988 |
| Total risk-based capital ratio | 24.9430% | 972 |
| Memoranda: | ||
| Average total assets | $31,669,400 | 6,490 |
| Average earning assets | $29,438,600 | 6,459 |
| Average equity | $4,844,800 | 6,106 |
| Average total loans | $17,217,800 | 6,312 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3752% | 2,673 |
| Cost of funding earning assets | 0.5525% | 3,237 |
| Net interest margin | 3.8226% | 2,566 |
| Noninterest income to average assets | 0.0712% | 6,571 |
| Noninterest expense to average assets | 2.8772% | 3,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5654% | 4,499 |
| Return on assets (ROA) | 0.5654% | 4,652 |
| Pretax return on assets | 0.7287% | 4,582 |
| Return on Equity (ROE) | 3.7161% | 5,349 |
| Retained earnings to average equity (ytd only) | 3.0278% | 4,507 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7828% | 4,343 |
| Assets per employee ($millions) | 4.5416% | 2,813 |
| Cash dividends to net income (ytd only)* | 18.5167% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6951% | 2,637 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 49.9827% | 5,134 |
| Net loans and leases to deposits | 59.2910% | 5,057 |
| Net loans and leases to core deposits | 59.8584% | 5,312 |
| Total domestic deposits to total assets | 84.3006% | 4,064 |
| Equity capital to assets | 15.3691% | 645 |
| Core capital (leverage) ratio | 15.4385% | 574 |
| Tier 1 risk-based capital ratio | 26.0181% | 785 |
| Total risk-based capital ratio | 27.2732% | 771 |
| Memoranda: | ||
| Average total assets | $31,836,250 | 6,561 |
| Average earning assets | $29,438,250 | 6,530 |
| Average equity | $4,843,750 | 6,180 |
| Average total loans | $17,235,500 | 6,376 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5709% | 1,944 |
| Cost of funding earning assets | 0.5646% | 3,268 |
| Net interest margin | 4.0063% | 1,837 |
| Noninterest income to average assets | 0.0691% | 6,613 |
| Noninterest expense to average assets | 2.9198% | 3,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6279% | 4,164 |
| Return on assets (ROA) | 0.6279% | 4,321 |
| Pretax return on assets | 0.8477% | 4,124 |
| Return on Equity (ROE) | 4.1411% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.1058% | 4,340 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6667% | 4,762 |
| Assets per employee ($millions) | 4.4344% | 2,923 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5727% | 3,255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 55.2431% | 4,412 |
| Net loans and leases to deposits | 65.6358% | 4,311 |
| Net loans and leases to core deposits | 66.2801% | 4,664 |
| Total domestic deposits to total assets | 84.1661% | 4,255 |
| Equity capital to assets | 15.5375% | 613 |
| Core capital (leverage) ratio | 15.6156% | 502 |
| Tier 1 risk-based capital ratio | 24.5607% | 924 |
| Total risk-based capital ratio | 25.8094% | 907 |
| Memoranda: | ||
| Average total assets | $31,851,330 | 6,607 |
| Average earning assets | $29,403,330 | 6,577 |
| Average equity | $4,829,670 | 6,232 |
| Average total loans | $17,592,670 | 6,401 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8495% | 4,647 |
| Cost of funding earning assets | 0.5808% | 3,284 |
| Net interest margin | 3.2687% | 4,636 |
| Noninterest income to average assets | 0.0620% | 6,691 |
| Noninterest expense to average assets | 2.9885% | 3,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0620% | 6,223 |
| Return on assets (ROA) | 0.0620% | 6,311 |
| Pretax return on assets | 0.0744% | 6,299 |
| Return on Equity (ROE) | 0.4138% | 6,344 |
| Retained earnings to average equity (ytd only) | 0.4138% | 5,654 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1862% | 2,018 |
| Assets per employee ($millions) | 4.5234% | 2,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 3,539 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.8653% | 4,221 |
| Noncurrent loans to loans | 1.5673% | 3,188 |
| Net loans and leases to total assets | 54.3456% | 4,352 |
| Net loans and leases to deposits | 64.2665% | 4,285 |
| Net loans and leases to core deposits | 64.8795% | 4,662 |
| Total domestic deposits to total assets | 84.5629% | 4,241 |
| Equity capital to assets | 15.2571% | 699 |
| Core capital (leverage) ratio | 15.2017% | 562 |
| Tier 1 risk-based capital ratio | 23.5145% | 1,083 |
| Total risk-based capital ratio | 24.7665% | 1,065 |
| Memoranda: | ||
| Average total assets | $32,256,500 | 6,660 |
| Average earning assets | $29,614,500 | 6,629 |
| Average equity | $4,833,000 | 6,295 |
| Average total loans | $17,678,000 | 6,458 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 3,676 |
| Cost of funding earning assets | 0.7511% | 3,084 |
| Net interest margin | 3.6847% | 3,719 |
| Noninterest income to average assets | 0.0921% | 6,534 |
| Noninterest expense to average assets | 3.0966% | 2,932 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3850% | 5,159 |
| Return on assets (ROA) | 0.3850% | 5,392 |
| Pretax return on assets | 0.4179% | 5,527 |
| Return on Equity (ROE) | 2.4229% | 5,786 |
| Retained earnings to average equity (ytd only) | 1.3875% | 5,183 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4045% | 2,676 |
| Assets per employee ($millions) | 4.6927% | 2,653 |
| Cash dividends to net income (ytd only)* | 42.7350% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 3,602 |
| Loan loss allowance to noncurrent loans | 97.1631% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.8585% | 4,328 |
| Noncurrent loans to loans | 1.5777% | 3,254 |
| Net loans and leases to total assets | 53.5785% | 4,677 |
| Net loans and leases to deposits | 62.9246% | 4,668 |
| Net loans and leases to core deposits | 63.4989% | 5,015 |
| Total domestic deposits to total assets | 85.1472% | 3,797 |
| Equity capital to assets | 14.7189% | 815 |
| Core capital (leverage) ratio | 15.2534% | 533 |
| Tier 1 risk-based capital ratio | 22.6034% | 1,170 |
| Total risk-based capital ratio | 23.8552% | 1,147 |
| Memoranda: | ||
| Average total assets | $30,388,600 | 6,745 |
| Average earning assets | $28,225,200 | 6,711 |
| Average equity | $4,829,000 | 6,343 |
| Average total loans | $17,191,000 | 6,543 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 3,667 |
| Cost of funding earning assets | 0.7703% | 3,184 |
| Net interest margin | 3.7230% | 3,688 |
| Noninterest income to average assets | 0.0940% | 6,640 |
| Noninterest expense to average assets | 2.9421% | 3,437 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5911% | 4,431 |
| Return on assets (ROA) | 0.5911% | 4,696 |
| Pretax return on assets | 0.6583% | 4,983 |
| Return on Equity (ROE) | 3.6458% | 5,435 |
| Retained earnings to average equity (ytd only) | 2.9552% | 4,785 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5224% | 3,587 |
| Assets per employee ($millions) | 4.4793% | 2,949 |
| Cash dividends to net income (ytd only)* | 18.9375% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6685% | 3,266 |
| Loan loss allowance to noncurrent loans | 93.5154% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.9345% | 4,415 |
| Noncurrent loans to loans | 1.7842% | 3,100 |
| Net loans and leases to total assets | 51.5006% | 5,116 |
| Net loans and leases to deposits | 61.2386% | 5,055 |
| Net loans and leases to core deposits | 61.8295% | 5,378 |
| Total domestic deposits to total assets | 84.0982% | 4,171 |
| Equity capital to assets | 15.5733% | 692 |
| Core capital (leverage) ratio | 16.3421% | 439 |
| Tier 1 risk-based capital ratio | 25.3681% | 880 |
| Total risk-based capital ratio | 26.6202% | 866 |
| Memoranda: | ||
| Average total assets | $29,773,500 | 6,845 |
| Average earning assets | $28,041,250 | 6,803 |
| Average equity | $4,827,500 | 6,418 |
| Average total loans | $17,020,250 | 6,639 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4953% | 3,789 |
| Cost of funding earning assets | 0.7988% | 3,199 |
| Net interest margin | 3.6965% | 3,838 |
| Noninterest income to average assets | 0.0889% | 6,722 |
| Noninterest expense to average assets | 2.9679% | 3,381 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5266% | 4,696 |
| Return on assets (ROA) | 0.5266% | 4,969 |
| Pretax return on assets | 0.6018% | 5,126 |
| Return on Equity (ROE) | 3.2023% | 5,607 |
| Retained earnings to average equity (ytd only) | 2.1626% | 5,110 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4138% | 3,358 |
| Assets per employee ($millions) | 4.1653% | 3,529 |
| Cash dividends to net income (ytd only)* | 32.4675% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6467% | 3,435 |
| Loan loss allowance to noncurrent loans | 90.1316% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.0426% | 4,297 |
| Noncurrent loans to loans | 1.8270% | 3,180 |
| Net loans and leases to total assets | 56.1272% | 4,448 |
| Net loans and leases to deposits | 67.5096% | 4,286 |
| Net loans and leases to core deposits | 68.2159% | 4,758 |
| Total domestic deposits to total assets | 83.1396% | 4,700 |
| Equity capital to assets | 16.5552% | 502 |
| Core capital (leverage) ratio | 16.2735% | 436 |
| Tier 1 risk-based capital ratio | 24.8547% | 914 |
| Total risk-based capital ratio | 26.1057% | 901 |
| Memoranda: | ||
| Average total assets | $29,246,330 | 6,910 |
| Average earning assets | $27,539,670 | 6,868 |
| Average equity | $4,809,000 | 6,445 |
| Average total loans | $17,219,670 | 6,684 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5134% | 3,859 |
| Cost of funding earning assets | 0.8049% | 3,437 |
| Net interest margin | 3.7084% | 3,789 |
| Noninterest income to average assets | 0.0956% | 6,766 |
| Noninterest expense to average assets | 2.9770% | 3,344 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6282% | 4,228 |
| Return on assets (ROA) | 0.6282% | 4,438 |
| Pretax return on assets | 0.6418% | 4,968 |
| Return on Equity (ROE) | 3.8333% | 5,364 |
| Retained earnings to average equity (ytd only) | 3.8333% | 4,288 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2075% | 3,223 |
| Assets per employee ($millions) | 4.1923% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6692% | 3,467 |
| Loan loss allowance to noncurrent loans | 87.5399% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.0666% | 4,362 |
| Noncurrent loans to loans | 1.9068% | 3,274 |
| Net loans and leases to total assets | 55.0024% | 4,553 |
| Net loans and leases to deposits | 65.9274% | 4,391 |
| Net loans and leases to core deposits | 65.9274% | 4,918 |
| Total domestic deposits to total assets | 83.4287% | 4,741 |
| Equity capital to assets | 16.4111% | 512 |
| Core capital (leverage) ratio | 16.5033% | 412 |
| Tier 1 risk-based capital ratio | 23.8883% | 1,022 |
| Total risk-based capital ratio | 25.1374% | 1,008 |
| Memoranda: | ||
| Average total assets | $29,291,000 | 6,963 |
| Average earning assets | $27,828,500 | 6,912 |
| Average equity | $4,800,000 | 6,481 |
| Average total loans | $17,510,000 | 6,727 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5656% | 4,804 |
| Cost of funding earning assets | 0.8577% | 4,413 |
| Net interest margin | 3.7080% | 4,263 |
| Noninterest income to average assets | 0.0820% | 6,711 |
| Noninterest expense to average assets | 3.2053% | 2,843 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3486% | 5,076 |
| Return on assets (ROA) | 0.3486% | 5,235 |
| Pretax return on assets | 0.3486% | 5,431 |
| Return on Equity (ROE) | 1.8585% | 5,718 |
| Retained earnings to average equity (ytd only) | 0.9475% | 5,417 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6346% | 2,073 |
| Assets per employee ($millions) | 3.6545% | 4,649 |
| Cash dividends to net income (ytd only)* | 49.0196% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 4,137 |
| Loan loss allowance to noncurrent loans | 84.5679% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.1082% | 4,395 |
| Noncurrent loans to loans | 1.7415% | 3,549 |
| Net loans and leases to total assets | 62.7001% | 3,469 |
| Net loans and leases to deposits | 76.3156% | 3,127 |
| Net loans and leases to core deposits | 76.3156% | 3,938 |
| Total domestic deposits to total assets | 82.1590% | 5,073 |
| Equity capital to assets | 16.3634% | 533 |
| Core capital (leverage) ratio | 16.0597% | 455 |
| Tier 1 risk-based capital ratio | 21.1419% | 1,389 |
| Total risk-based capital ratio | 22.3651% | 1,367 |
| Memoranda: | ||
| Average total assets | $29,264,000 | 6,987 |
| Average earning assets | $27,400,400 | 6,940 |
| Average equity | $5,488,200 | 6,298 |
| Average total loans | $15,922,600 | 6,854 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5916% | 4,898 |
| Cost of funding earning assets | 0.8695% | 4,642 |
| Net interest margin | 3.7221% | 4,241 |
| Noninterest income to average assets | 0.0911% | 6,791 |
| Noninterest expense to average assets | 2.6875% | 4,778 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6969% | 3,636 |
| Return on assets (ROA) | 0.6969% | 3,806 |
| Pretax return on assets | 0.8746% | 3,863 |
| Return on Equity (ROE) | 3.6014% | 5,173 |
| Retained earnings to average equity (ytd only) | 3.0129% | 4,541 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0077% | 4,520 |
| Assets per employee ($millions) | 4.2501% | 3,363 |
| Cash dividends to net income (ytd only)* | 16.3390% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9309% | 2,533 |
| Loan loss allowance to noncurrent loans | 81.7910% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.1260% | 4,527 |
| Noncurrent loans to loans | 2.3608% | 2,939 |
| Net loans and leases to total assets | 46.7749% | 6,073 |
| Net loans and leases to deposits | 56.1061% | 6,026 |
| Net loans and leases to core deposits | 56.1061% | 6,308 |
| Total domestic deposits to total assets | 83.3686% | 4,531 |
| Equity capital to assets | 16.3759% | 572 |
| Core capital (leverage) ratio | 16.4047% | 457 |
| Tier 1 risk-based capital ratio | 25.7436% | 858 |
| Total risk-based capital ratio | 26.9955% | 838 |
| Memoranda: | ||
| Average total assets | $29,271,000 | 7,060 |
| Average earning assets | $27,295,750 | 7,012 |
| Average equity | $5,664,250 | 6,287 |
| Average total loans | $15,252,000 | 6,957 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7364% | 4,360 |
| Cost of funding earning assets | 0.8632% | 4,963 |
| Net interest margin | 3.8733% | 3,422 |
| Noninterest income to average assets | 0.0824% | 6,917 |
| Noninterest expense to average assets | 2.8099% | 4,389 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7076% | 3,501 |
| Return on assets (ROA) | 0.7076% | 3,612 |
| Pretax return on assets | 0.8794% | 3,713 |
| Return on Equity (ROE) | 3.4748% | 5,179 |
| Retained earnings to average equity (ytd only) | 2.6314% | 4,622 |
| Net charge-offs to loans | 0.1025% | 4,662 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,370 |
| Efficiency ratio | 67.9702% | 4,522 |
| Assets per employee ($millions) | 4.2074% | 3,335 |
| Cash dividends to net income (ytd only)* | 24.2718% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7958% | 3,010 |
| Loan loss allowance to noncurrent loans | 77.5510% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.1646% | 4,561 |
| Noncurrent loans to loans | 2.3157% | 3,079 |
| Net loans and leases to total assets | 49.3888% | 5,898 |
| Net loans and leases to deposits | 62.1757% | 5,483 |
| Net loans and leases to core deposits | 62.1757% | 5,885 |
| Total domestic deposits to total assets | 79.4343% | 5,968 |
| Equity capital to assets | 20.3416% | 243 |
| Core capital (leverage) ratio | 20.3986% | 206 |
| Tier 1 risk-based capital ratio | 31.3412% | 482 |
| Total risk-based capital ratio | 32.5947% | 473 |
| Memoranda: | ||
| Average total assets | $29,111,000 | 7,129 |
| Average earning assets | $27,109,000 | 7,082 |
| Average equity | $5,928,330 | 6,251 |
| Average total loans | $15,606,000 | 7,006 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8337% | 3,895 |
| Cost of funding earning assets | 0.8653% | 5,169 |
| Net interest margin | 3.9684% | 2,831 |
| Noninterest income to average assets | 0.0829% | 6,989 |
| Noninterest expense to average assets | 2.9025% | 4,050 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7049% | 3,499 |
| Return on assets (ROA) | 0.7049% | 3,567 |
| Pretax return on assets | 0.8569% | 3,675 |
| Return on Equity (ROE) | 3.4594% | 5,165 |
| Retained earnings to average equity (ytd only) | 3.4594% | 4,113 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1176% | 4,449 |
| Assets per employee ($millions) | 4.1470% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6777% | 3,419 |
| Loan loss allowance to noncurrent loans | 77.1831% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.2229% | 4,510 |
| Noncurrent loans to loans | 2.1736% | 3,350 |
| Net loans and leases to total assets | 55.3171% | 5,105 |
| Net loans and leases to deposits | 69.6237% | 4,405 |
| Net loans and leases to core deposits | 69.6237% | 5,098 |
| Total domestic deposits to total assets | 79.4516% | 6,070 |
| Equity capital to assets | 20.3865% | 235 |
| Core capital (leverage) ratio | 20.1541% | 222 |
| Tier 1 risk-based capital ratio | 29.1518% | 562 |
| Total risk-based capital ratio | 30.4053% | 548 |
| Memoranda: | ||
| Average total assets | $28,940,500 | 7,187 |
| Average earning assets | $26,811,500 | 7,143 |
| Average equity | $5,897,000 | 6,280 |
| Average total loans | $16,003,000 | 7,034 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9648% | 4,723 |
| Cost of funding earning assets | 1.0836% | 5,235 |
| Net interest margin | 3.8812% | 3,579 |
| Noninterest income to average assets | 0.1433% | 6,673 |
| Noninterest expense to average assets | 3.1016% | 3,451 |
| Loan and lease loss provision to assets | 0.2389% | 4,896 |
| Net operating income to assets | 0.4557% | 4,287 |
| Return on assets (ROA) | 0.4557% | 4,458 |
| Pretax return on assets | 0.4226% | 4,877 |
| Return on Equity (ROE) | 2.1090% | 5,346 |
| Retained earnings to average equity (ytd only) | 1.2586% | 4,928 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6094% | 3,273 |
| Assets per employee ($millions) | 4.1217% | 3,535 |
| Cash dividends to net income (ytd only)* | 40.3226% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7481% | 3,036 |
| Loan loss allowance to noncurrent loans | 72.2955% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.3136% | 4,399 |
| Noncurrent loans to loans | 2.4180% | 3,097 |
| Net loans and leases to total assets | 53.3758% | 5,720 |
| Net loans and leases to deposits | 67.1346% | 5,227 |
| Net loans and leases to core deposits | 67.1346% | 5,759 |
| Total domestic deposits to total assets | 79.5058% | 5,966 |
| Equity capital to assets | 20.3660% | 238 |
| Core capital (leverage) ratio | 20.9577% | 202 |
| Tier 1 risk-based capital ratio | 29.8643% | 513 |
| Total risk-based capital ratio | 31.1134% | 504 |
| Memoranda: | ||
| Average total assets | $27,212,200 | 7,288 |
| Average earning assets | $25,378,600 | 7,247 |
| Average equity | $5,879,600 | 6,400 |
| Average total loans | $15,246,600 | 7,153 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0281% | 4,684 |
| Cost of funding earning assets | 1.1297% | 5,254 |
| Net interest margin | 3.8984% | 3,532 |
| Noninterest income to average assets | 0.1542% | 6,756 |
| Noninterest expense to average assets | 2.8106% | 4,442 |
| Loan and lease loss provision to assets | 0.3233% | 4,003 |
| Net operating income to assets | 0.6169% | 3,808 |
| Return on assets (ROA) | 0.6169% | 3,975 |
| Pretax return on assets | 0.6765% | 4,317 |
| Return on Equity (ROE) | 2.8115% | 5,304 |
| Retained earnings to average equity (ytd only) | 2.2447% | 4,821 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0574% | 4,844 |
| Assets per employee ($millions) | 3.9864% | 3,866 |
| Cash dividends to net income (ytd only)* | 20.1597% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8880% | 2,517 |
| Loan loss allowance to noncurrent loans | 70.2564% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.3976% | 4,359 |
| Noncurrent loans to loans | 2.6872% | 2,945 |
| Net loans and leases to total assets | 51.0267% | 6,213 |
| Net loans and leases to deposits | 65.0301% | 5,784 |
| Net loans and leases to core deposits | 65.0301% | 6,207 |
| Total domestic deposits to total assets | 78.4662% | 6,153 |
| Equity capital to assets | 21.3188% | 213 |
| Core capital (leverage) ratio | 21.8987% | 180 |
| Tier 1 risk-based capital ratio | 31.6634% | 447 |
| Total risk-based capital ratio | 32.9172% | 437 |
| Memoranda: | ||
| Average total assets | $26,802,250 | 7,390 |
| Average earning assets | $25,138,000 | 7,346 |
| Average equity | $5,880,500 | 6,488 |
| Average total loans | $15,139,750 | 7,251 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0642% | 4,644 |
| Cost of funding earning assets | 1.1717% | 5,280 |
| Net interest margin | 3.8925% | 3,483 |
| Noninterest income to average assets | 0.1891% | 6,551 |
| Noninterest expense to average assets | 2.8826% | 4,137 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8020% | 2,964 |
| Return on assets (ROA) | 0.8020% | 3,103 |
| Pretax return on assets | 0.9760% | 3,218 |
| Return on Equity (ROE) | 3.6192% | 4,954 |
| Retained earnings to average equity (ytd only) | 2.7656% | 4,374 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4510% | 4,682 |
| Assets per employee ($millions) | 3.8314% | 4,152 |
| Cash dividends to net income (ytd only)* | 23.5849% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 4,375 |
| Loan loss allowance to noncurrent loans | 47.9358% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 1.6257% | 4,004 |
| Noncurrent loans to loans | 2.9412% | 2,719 |
| Net loans and leases to total assets | 54.4929% | 5,917 |
| Net loans and leases to deposits | 70.0825% | 5,269 |
| Net loans and leases to core deposits | 70.0825% | 5,865 |
| Total domestic deposits to total assets | 77.7554% | 6,321 |
| Equity capital to assets | 22.0619% | 198 |
| Core capital (leverage) ratio | 21.9438% | 182 |
| Tier 1 risk-based capital ratio | 32.5440% | 408 |
| Total risk-based capital ratio | 33.7085% | 404 |
| Memoranda: | ||
| Average total assets | $26,434,670 | 7,456 |
| Average earning assets | $24,920,000 | 7,404 |
| Average equity | $5,857,670 | 6,513 |
| Average total loans | $15,348,670 | 7,296 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9580% | 5,201 |
| Cost of funding earning assets | 1.1873% | 5,473 |
| Net interest margin | 3.7706% | 3,914 |
| Noninterest income to average assets | 0.2896% | 5,828 |
| Noninterest expense to average assets | 3.0181% | 3,609 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8384% | 2,800 |
| Return on assets (ROA) | 0.8384% | 2,900 |
| Pretax return on assets | 0.8536% | 3,650 |
| Return on Equity (ROE) | 3.7749% | 4,993 |
| Retained earnings to average equity (ytd only) | 3.7749% | 3,878 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6535% | 3,987 |
| Assets per employee ($millions) | 3.7330% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 4,533 |
| Loan loss allowance to noncurrent loans | 45.9341% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 1.7412% | 3,865 |
| Noncurrent loans to loans | 2.9972% | 2,677 |
| Net loans and leases to total assets | 57.2959% | 5,552 |
| Net loans and leases to deposits | 74.0162% | 4,736 |
| Net loans and leases to core deposits | 74.0162% | 5,497 |
| Total domestic deposits to total assets | 77.4100% | 6,467 |
| Equity capital to assets | 22.4178% | 196 |
| Core capital (leverage) ratio | 22.0771% | 183 |
| Tier 1 risk-based capital ratio | 31.4644% | 455 |
| Total risk-based capital ratio | 32.5955% | 451 |
| Memoranda: | ||
| Average total assets | $26,242,000 | 7,556 |
| Average earning assets | $24,929,500 | 7,497 |
| Average equity | $5,828,000 | 6,576 |
| Average total loans | $15,611,000 | 7,374 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2740% | 5,307 |
| Cost of funding earning assets | 1.4839% | 5,576 |
| Net interest margin | 3.7900% | 3,752 |
| Noninterest income to average assets | 0.1042% | 7,245 |
| Noninterest expense to average assets | 3.0307% | 4,025 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5791% | 3,411 |
| Return on assets (ROA) | 0.5791% | 3,486 |
| Pretax return on assets | 0.6332% | 3,802 |
| Return on Equity (ROE) | 2.5960% | 4,663 |
| Retained earnings to average equity (ytd only) | 1.7306% | 3,874 |
| Net charge-offs to loans | 0.0323% | 6,803 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 32.8000% | 708 |
| Efficiency ratio | 79.0306% | 3,035 |
| Assets per employee ($millions) | 3.7647% | 4,365 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 4,743 |
| Loan loss allowance to noncurrent loans | 331.7460% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 6,870 |
| Noncurrent loans to loans | 0.3927% | 6,492 |
| Net loans and leases to total assets | 60.0767% | 5,323 |
| Net loans and leases to deposits | 77.2029% | 4,528 |
| Net loans and leases to core deposits | 84.6269% | 5,664 |
| Total domestic deposits to total assets | 77.8166% | 6,266 |
| Equity capital to assets | 22.0013% | 224 |
| Core capital (leverage) ratio | 21.5755% | 220 |
| Tier 1 risk-based capital ratio | 30.1665% | 517 |
| Total risk-based capital ratio | 31.2611% | 507 |
| Memoranda: | ||
| Average total assets | $25,901,400 | 7,614 |
| Average earning assets | $24,327,000 | 7,568 |
| Average equity | $5,778,200 | 6,681 |
| Average total loans | $15,462,800 | 7,425 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3207% | 5,320 |
| Cost of funding earning assets | 1.5179% | 5,754 |
| Net interest margin | 3.8029% | 3,643 |
| Noninterest income to average assets | 0.0931% | 7,441 |
| Noninterest expense to average assets | 2.6420% | 5,554 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8789% | 2,503 |
| Return on assets (ROA) | 0.8789% | 2,577 |
| Pretax return on assets | 1.0134% | 2,864 |
| Return on Equity (ROE) | 3.9260% | 4,401 |
| Retained earnings to average equity (ytd only) | 3.3487% | 3,431 |
| Net charge-offs to loans | 0.0435% | 6,297 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 39.1799% | 761 |
| Efficiency ratio | 69.0240% | 4,778 |
| Assets per employee ($millions) | 3.7840% | 4,215 |
| Cash dividends to net income (ytd only)* | 14.7048% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3832% | 4,037 |
| Loan loss allowance to noncurrent loans | 302.8986% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 6,858 |
| Noncurrent loans to loans | 0.4567% | 6,406 |
| Net loans and leases to total assets | 56.2557% | 6,112 |
| Net loans and leases to deposits | 72.4510% | 5,583 |
| Net loans and leases to core deposits | 79.7613% | 6,378 |
| Total domestic deposits to total assets | 77.6465% | 6,181 |
| Equity capital to assets | 22.1157% | 244 |
| Core capital (leverage) ratio | 22.2086% | 231 |
| Tier 1 risk-based capital ratio | 31.4665% | 493 |
| Total risk-based capital ratio | 32.5996% | 490 |
| Memoranda: | ||
| Average total assets | $25,788,500 | 7,688 |
| Average earning assets | $24,156,500 | 7,643 |
| Average equity | $5,773,250 | 6,747 |
| Average total loans | $15,318,250 | 7,501 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4319% | 4,988 |
| Cost of funding earning assets | 1.5508% | 5,926 |
| Net interest margin | 3.8811% | 3,206 |
| Noninterest income to average assets | 0.1017% | 7,469 |
| Noninterest expense to average assets | 2.7235% | 5,287 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8922% | 2,484 |
| Return on assets (ROA) | 0.8922% | 2,598 |
| Pretax return on assets | 1.0017% | 3,004 |
| Return on Equity (ROE) | 3.9687% | 4,505 |
| Retained earnings to average equity (ytd only) | 3.0983% | 3,593 |
| Net charge-offs to loans | 0.0650% | 5,590 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 25.6000% | 1,114 |
| Efficiency ratio | 70.5882% | 4,662 |
| Assets per employee ($millions) | 3.6469% | 4,460 |
| Cash dividends to net income (ytd only)* | 21.9298% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 3,559 |
| Loan loss allowance to noncurrent loans | 298.5714% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 6,790 |
| Noncurrent loans to loans | 0.4796% | 6,326 |
| Net loans and leases to total assets | 56.3538% | 6,172 |
| Net loans and leases to deposits | 73.1145% | 5,594 |
| Net loans and leases to core deposits | 80.5081% | 6,361 |
| Total domestic deposits to total assets | 77.0762% | 6,306 |
| Equity capital to assets | 22.6849% | 260 |
| Core capital (leverage) ratio | 22.7355% | 255 |
| Tier 1 risk-based capital ratio | 31.5668% | 517 |
| Total risk-based capital ratio | 32.7146% | 509 |
| Memoranda: | ||
| Average total assets | $25,555,330 | 7,772 |
| Average earning assets | $23,859,000 | 7,725 |
| Average equity | $5,745,000 | 6,814 |
| Average total loans | $15,387,670 | 7,568 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4957% | 4,935 |
| Cost of funding earning assets | 1.5750% | 6,141 |
| Net interest margin | 3.9207% | 2,971 |
| Noninterest income to average assets | 0.0939% | 7,581 |
| Noninterest expense to average assets | 2.8628% | 4,288 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7666% | 3,274 |
| Return on assets (ROA) | 0.7666% | 3,447 |
| Pretax return on assets | 0.8917% | 3,749 |
| Return on Equity (ROE) | 3.4254% | 5,197 |
| Retained earnings to average equity (ytd only) | 3.4254% | 3,981 |
| Net charge-offs to loans | 0.1267% | 3,949 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 11.4000% | 1,875 |
| Efficiency ratio | 74.5833% | 3,720 |
| Assets per employee ($millions) | 3.5499% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 3,542 |
| Loan loss allowance to noncurrent loans | 177.1186% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.4749% | 6,060 |
| Noncurrent loans to loans | 0.7861% | 5,477 |
| Net loans and leases to total assets | 59.5638% | 5,726 |
| Net loans and leases to deposits | 77.7282% | 4,968 |
| Net loans and leases to core deposits | 86.3586% | 5,875 |
| Total domestic deposits to total assets | 76.6309% | 6,376 |
| Equity capital to assets | 23.1237% | 273 |
| Core capital (leverage) ratio | 22.3992% | 296 |
| Tier 1 risk-based capital ratio | 31.8705% | 536 |
| Total risk-based capital ratio | 33.0374% | 527 |
| Memoranda: | ||
| Average total assets | $25,569,000 | 7,815 |
| Average earning assets | $23,873,000 | 7,772 |
| Average equity | $5,722,000 | 6,869 |
| Average total loans | $15,784,000 | 7,589 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8590% | 6,240 |
| Cost of funding earning assets | 2.0392% | 6,283 |
| Net interest margin | 3.8198% | 3,940 |
| Noninterest income to average assets | 0.1277% | 7,473 |
| Noninterest expense to average assets | 2.7551% | 5,025 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8358% | 3,283 |
| Return on assets (ROA) | 0.8358% | 3,124 |
| Pretax return on assets | 0.9751% | 3,470 |
| Return on Equity (ROE) | 3.6880% | 4,955 |
| Retained earnings to average equity (ytd only) | 2.8343% | 3,409 |
| Net charge-offs to loans | -0.1083% | 8,101 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2365% | 3,703 |
| Assets per employee ($millions) | 3.7556% | 4,049 |
| Cash dividends to net income (ytd only)* | 23.1481% | 4,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 3,840 |
| Loan loss allowance to noncurrent loans | 203.8095% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 6,024 |
| Noncurrent loans to loans | 0.6341% | 5,468 |
| Net loans and leases to total assets | 62.1705% | 5,599 |
| Net loans and leases to deposits | 79.6220% | 5,112 |
| Net loans and leases to core deposits | 86.0981% | 6,126 |
| Total domestic deposits to total assets | 78.0821% | 5,683 |
| Equity capital to assets | 21.6745% | 366 |
| Core capital (leverage) ratio | 21.5765% | 349 |
| Tier 1 risk-based capital ratio | 30.1342% | 638 |
| Total risk-based capital ratio | 31.2740% | 622 |
| Memoranda: | ||
| Average total assets | $25,843,200 | 7,812 |
| Average earning assets | $24,372,800 | 7,770 |
| Average equity | $5,856,800 | 6,854 |
| Average total loans | $15,691,800 | 7,606 |