Home > The First State Bank > Performance and Condition Ratios
The First State Bank, 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 | 4.3941% | 3,989 |
| Cost of funding earning assets | 1.7695% | 2,796 |
| Net interest margin | 2.6246% | 3,743 |
| Noninterest income to average assets | 0.4200% | 2,351 |
| Noninterest expense to average assets | 2.1071% | 3,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.7675% | 2,785 |
| Return on assets (ROA) | 0.7675% | 2,805 |
| Pretax return on assets | 0.7975% | 3,062 |
| Return on Equity (ROE) | 8.2400% | 2,685 |
| Retained earnings to average equity (ytd only) | 3.1529% | 2,977 |
| Net charge-offs to loans | -0.0101% | 4,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 72.5434% | 1,718 |
| Assets per employee ($millions) | 8.5585% | 1,244 |
| Cash dividends to net income (ytd only)* | 61.7188% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8818% | 163 |
| 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 | 35.9900% | 4,114 |
| Net loans and leases to deposits | 39.6560% | 4,162 |
| Net loans and leases to core deposits | 47.9304% | 4,058 |
| Total domestic deposits to total assets | 90.7600% | 587 |
| Equity capital to assets | 8.6008% | 3,114 |
| Core capital (leverage) ratio | 15.0130% | 594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2221% | 456 |
| Memoranda: | ||
| Average total assets | $83,384,600 | 3,921 |
| Average earning assets | $79,061,000 | 3,882 |
| Average equity | $7,770,600 | 3,994 |
| Average total loans | $29,690,200 | 4,101 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4118% | 3,941 |
| Cost of funding earning assets | 1.7882% | 2,748 |
| Net interest margin | 2.6236% | 3,731 |
| Noninterest income to average assets | 0.4600% | 2,078 |
| Noninterest expense to average assets | 1.8543% | 3,840 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.0495% | 1,910 |
| Return on assets (ROA) | 1.0495% | 1,918 |
| Pretax return on assets | 1.0913% | 2,271 |
| Return on Equity (ROE) | 11.0400% | 1,882 |
| Retained earnings to average equity (ytd only) | 4.3523% | 2,710 |
| Net charge-offs to loans | -0.0137% | 4,068 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 62.9508% | 2,822 |
| Assets per employee ($millions) | 8.2330% | 1,386 |
| Cash dividends to net income (ytd only)* | 60.5828% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9123% | 163 |
| Loan loss allowance to noncurrent loans | 1,254.0541% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 3,092 |
| Noncurrent loans to loans | 0.2322% | 2,608 |
| Net loans and leases to total assets | 37.5800% | 4,097 |
| Net loans and leases to deposits | 44.0547% | 4,102 |
| Net loans and leases to core deposits | 54.3689% | 3,947 |
| Total domestic deposits to total assets | 85.3000% | 2,201 |
| Equity capital to assets | 10.4105% | 2,035 |
| Core capital (leverage) ratio | 14.8917% | 646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6920% | 444 |
| Memoranda: | ||
| Average total assets | $82,834,500 | 3,941 |
| Average earning assets | $78,514,750 | 3,906 |
| Average equity | $7,873,000 | 3,997 |
| Average total loans | $29,183,750 | 4,124 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2899% | 4,038 |
| Cost of funding earning assets | 1.7367% | 2,785 |
| Net interest margin | 2.5531% | 3,800 |
| Noninterest income to average assets | 0.5700% | 1,568 |
| Noninterest expense to average assets | 1.7999% | 3,936 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.1470% | 1,608 |
| Return on assets (ROA) | 1.1470% | 1,605 |
| Pretax return on assets | 1.1927% | 1,954 |
| Return on Equity (ROE) | 12.4600% | 1,497 |
| Retained earnings to average equity (ytd only) | 4.4762% | 2,536 |
| Net charge-offs to loans | -0.0071% | 3,900 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 60.1449% | 3,195 |
| Assets per employee ($millions) | 8.2541% | 1,313 |
| Cash dividends to net income (ytd only)* | 64.0756% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9154% | 161 |
| 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 | 36.4700% | 4,141 |
| Net loans and leases to deposits | 46.5308% | 4,050 |
| Net loans and leases to core deposits | 50.5763% | 4,033 |
| Total domestic deposits to total assets | 78.3800% | 3,662 |
| Equity capital to assets | 8.7508% | 2,924 |
| Core capital (leverage) ratio | 14.5232% | 697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7418% | 430 |
| Memoranda: | ||
| Average total assets | $83,002,667 | 3,954 |
| Average earning assets | $78,883,000 | 3,913 |
| Average equity | $7,640,333 | 4,010 |
| Average total loans | $28,290,000 | 4,158 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9693% | 4,282 |
| Cost of funding earning assets | 1.6312% | 2,909 |
| Net interest margin | 2.3382% | 4,071 |
| Noninterest income to average assets | 0.9700% | 584 |
| Noninterest expense to average assets | 1.8646% | 3,843 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2831% | 1,271 |
| Return on assets (ROA) | 1.2831% | 1,279 |
| Pretax return on assets | 1.3312% | 1,566 |
| Return on Equity (ROE) | 13.6100% | 1,212 |
| Retained earnings to average equity (ytd only) | 7.2366% | 1,759 |
| Net charge-offs to loans | -0.0149% | 4,040 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 58.3459% | 3,407 |
| Assets per employee ($millions) | 8.4435% | 1,222 |
| Cash dividends to net income (ytd only)* | 46.8165% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2362% | 99 |
| 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 | 32.4000% | 4,232 |
| Net loans and leases to deposits | 41.2580% | 4,155 |
| Net loans and leases to core deposits | 44.3664% | 4,197 |
| Total domestic deposits to total assets | 78.5400% | 3,729 |
| Equity capital to assets | 9.0697% | 2,632 |
| Core capital (leverage) ratio | 15.2584% | 582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2331% | 419 |
| Memoranda: | ||
| Average total assets | $83,233,500 | 3,977 |
| Average earning assets | $79,207,000 | 3,934 |
| Average equity | $7,849,000 | 4,009 |
| Average total loans | $26,931,000 | 4,198 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7093% | 4,269 |
| Cost of funding earning assets | 0.7708% | 3,808 |
| Net interest margin | 2.9385% | 3,414 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.4336% | 2,488 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6197% | 3,384 |
| Return on assets (ROA) | 0.6197% | 3,373 |
| Pretax return on assets | 0.6443% | 3,549 |
| Return on Equity (ROE) | 7.0000% | 3,286 |
| Retained earnings to average equity (ytd only) | 1.3003% | 3,757 |
| Net charge-offs to loans | 0.0084% | 2,352 |
| Credit loss provision to net charge-offs | -4,250.0000% | 4,594 |
| Earnings coverage of net charge-offs (x) | 249.0000% | 499 |
| Efficiency ratio | 79.0668% | 979 |
| Assets per employee ($millions) | 6.8360% | 2,182 |
| Cash dividends to net income (ytd only)* | 81.4196% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6072% | 75 |
| 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 | 30.0700% | 4,285 |
| Net loans and leases to deposits | 35.3833% | 4,280 |
| Net loans and leases to core deposits | 37.9088% | 4,319 |
| Total domestic deposits to total assets | 84.9800% | 2,320 |
| Equity capital to assets | 9.8011% | 2,121 |
| Core capital (leverage) ratio | 15.9024% | 501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4500% | 354 |
| Memoranda: | ||
| Average total assets | $77,293,200 | 4,041 |
| Average earning assets | $72,521,200 | 4,010 |
| Average equity | $6,844,400 | 4,066 |
| Average total loans | $23,929,000 | 4,236 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6878% | 4,223 |
| Cost of funding earning assets | 0.7073% | 3,749 |
| Net interest margin | 2.9806% | 3,376 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.1618% | 3,173 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9180% | 2,626 |
| Return on assets (ROA) | 0.9180% | 2,610 |
| Pretax return on assets | 0.9548% | 2,971 |
| Return on Equity (ROE) | 10.6700% | 2,460 |
| Retained earnings to average equity (ytd only) | 2.7295% | 3,576 |
| Net charge-offs to loans | -0.0113% | 3,969 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.3648% | 1,859 |
| Assets per employee ($millions) | 6.4553% | 2,355 |
| Cash dividends to net income (ytd only)* | 74.4275% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7724% | 63 |
| 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 | 33.5200% | 4,250 |
| Net loans and leases to deposits | 37.7235% | 4,263 |
| Net loans and leases to core deposits | 40.7182% | 4,243 |
| Total domestic deposits to total assets | 88.8500% | 1,305 |
| Equity capital to assets | 7.0541% | 3,583 |
| Core capital (leverage) ratio | 16.0229% | 492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9432% | 352 |
| Memoranda: | ||
| Average total assets | $76,108,500 | 4,070 |
| Average earning assets | $71,259,500 | 4,042 |
| Average equity | $6,545,500 | 4,101 |
| Average total loans | $23,514,250 | 4,261 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5842% | 4,267 |
| Cost of funding earning assets | 0.5942% | 3,766 |
| Net interest margin | 2.9900% | 3,455 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.1052% | 3,329 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0076% | 2,392 |
| Return on assets (ROA) | 1.0076% | 2,389 |
| Pretax return on assets | 1.0462% | 2,786 |
| Return on Equity (ROE) | 11.1100% | 2,390 |
| Retained earnings to average equity (ytd only) | 2.6071% | 3,575 |
| Net charge-offs to loans | -0.0346% | 4,280 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.8026% | 2,136 |
| Assets per employee ($millions) | 6.8647% | 2,028 |
| Cash dividends to net income (ytd only)* | 76.5306% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6459% | 81 |
| 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 | 31.7800% | 4,289 |
| Net loans and leases to deposits | 36.0776% | 4,293 |
| Net loans and leases to core deposits | 38.5395% | 4,284 |
| Total domestic deposits to total assets | 88.0900% | 1,569 |
| Equity capital to assets | 9.2833% | 2,325 |
| Core capital (leverage) ratio | 15.4992% | 530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0845% | 276 |
| Memoranda: | ||
| Average total assets | $77,808,667 | 4,071 |
| Average earning assets | $72,708,667 | 4,043 |
| Average equity | $7,057,667 | 4,070 |
| Average total loans | $23,108,333 | 4,285 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4825% | 4,290 |
| Cost of funding earning assets | 0.4781% | 3,763 |
| Net interest margin | 3.0044% | 3,589 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.2747% | 2,883 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0588% | 2,354 |
| Return on assets (ROA) | 1.0588% | 2,324 |
| Pretax return on assets | 1.0689% | 2,799 |
| Return on Equity (ROE) | 11.8100% | 2,266 |
| Retained earnings to average equity (ytd only) | 5.0272% | 3,016 |
| Net charge-offs to loans | -0.0540% | 4,381 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.0303% | 1,969 |
| Assets per employee ($millions) | 7.1242% | 1,875 |
| Cash dividends to net income (ytd only)* | 57.4163% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5260% | 50 |
| Loan loss allowance to noncurrent loans | 20,260.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 3,821 |
| Noncurrent loans to loans | 0.0223% | 3,614 |
| Net loans and leases to total assets | 27.2700% | 4,417 |
| Net loans and leases to deposits | 30.2082% | 4,444 |
| Net loans and leases to core deposits | 32.1363% | 4,422 |
| Total domestic deposits to total assets | 90.2700% | 1,060 |
| Equity capital to assets | 9.6700% | 2,021 |
| Core capital (leverage) ratio | 15.0325% | 568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1837% | 259 |
| Memoranda: | ||
| Average total assets | $78,957,000 | 4,116 |
| Average earning assets | $73,624,500 | 4,088 |
| Average equity | $7,081,500 | 4,111 |
| Average total loans | $22,210,000 | 4,359 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0745% | 4,036 |
| Cost of funding earning assets | 0.2051% | 3,711 |
| Net interest margin | 2.8693% | 3,754 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.2118% | 2,998 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.6702% | 3,705 |
| Return on assets (ROA) | 0.6678% | 3,661 |
| Pretax return on assets | 0.7077% | 3,829 |
| Return on Equity (ROE) | 6.4200% | 3,741 |
| Retained earnings to average equity (ytd only) | 1.6338% | 4,065 |
| Net charge-offs to loans | -0.1757% | 4,614 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.4278% | 1,075 |
| Assets per employee ($millions) | 7.2316% | 1,796 |
| Cash dividends to net income (ytd only)* | 74.5665% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5830% | 48 |
| 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 | 26.4300% | 4,467 |
| Net loans and leases to deposits | 28.8339% | 4,495 |
| Net loans and leases to core deposits | 30.6080% | 4,477 |
| Total domestic deposits to total assets | 91.6800% | 725 |
| Equity capital to assets | 8.2780% | 2,876 |
| Core capital (leverage) ratio | 15.8453% | 472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8725% | 241 |
| Memoranda: | ||
| Average total assets | $77,718,600 | 4,152 |
| Average earning assets | $72,142,800 | 4,131 |
| Average equity | $8,079,200 | 4,090 |
| Average total loans | $21,063,600 | 4,398 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0711% | 3,736 |
| Cost of funding earning assets | 0.1804% | 3,512 |
| Net interest margin | 2.8906% | 3,517 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 1.9155% | 3,713 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.9714% | 2,586 |
| Return on assets (ROA) | 0.9681% | 2,571 |
| Pretax return on assets | 1.0216% | 2,961 |
| Return on Equity (ROE) | 8.8500% | 3,077 |
| Retained earnings to average equity (ytd only) | 2.7446% | 3,849 |
| Net charge-offs to loans | -0.2690% | 4,678 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.8364% | 2,434 |
| Assets per employee ($millions) | 6.4120% | 2,397 |
| Cash dividends to net income (ytd only)* | 68.9840% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0410% | 41 |
| 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 | 27.1100% | 4,479 |
| Net loans and leases to deposits | 29.1038% | 4,511 |
| Net loans and leases to core deposits | 31.3129% | 4,491 |
| Total domestic deposits to total assets | 93.1400% | 547 |
| Equity capital to assets | 6.8139% | 3,609 |
| Core capital (leverage) ratio | 15.7890% | 474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8532% | 224 |
| Memoranda: | ||
| Average total assets | $77,261,250 | 4,185 |
| Average earning assets | $71,678,250 | 4,170 |
| Average equity | $8,452,750 | 4,099 |
| Average total loans | $20,820,000 | 4,438 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9634% | 3,647 |
| Cost of funding earning assets | 0.1660% | 3,367 |
| Net interest margin | 2.7974% | 3,455 |
| Noninterest income to average assets | 0.2893% | 3,438 |
| Noninterest expense to average assets | 1.8389% | 3,861 |
| Loan and lease loss provision to assets | 0.0201% | 2,238 |
| Net operating income to assets | 0.8596% | 2,735 |
| Return on assets (ROA) | 0.8553% | 2,729 |
| Pretax return on assets | 1.0113% | 2,684 |
| Return on Equity (ROE) | 7.0333% | 3,306 |
| Retained earnings to average equity (ytd only) | 0.5172% | 4,091 |
| Net charge-offs to loans | -0.0475% | 4,220 |
| Credit loss provision to net charge-offs | -160.0000% | 3,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9545% | 2,778 |
| Assets per employee ($millions) | 6.9223% | 1,990 |
| Cash dividends to net income (ytd only)* | 92.6471% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3780% | 55 |
| 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 | 28.0531% | 4,515 |
| Net loans and leases to deposits | 30.8846% | 4,530 |
| Net loans and leases to core deposits | 33.4691% | 4,494 |
| Total domestic deposits to total assets | 90.8320% | 1,320 |
| Equity capital to assets | 9.0827% | 2,336 |
| Core capital (leverage) ratio | 15.4225% | 430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7852% | 226 |
| Memoranda: | ||
| Average total assets | $79,504,333 | 4,209 |
| Average earning assets | $73,497,000 | 4,199 |
| Average equity | $9,668,333 | 4,033 |
| Average total loans | $21,048,333 | 4,484 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7839% | 3,775 |
| Cost of funding earning assets | 0.1606% | 3,357 |
| Net interest margin | 2.6233% | 3,603 |
| Noninterest income to average assets | 0.4484% | 2,401 |
| Noninterest expense to average assets | 1.8378% | 3,847 |
| Loan and lease loss provision to assets | 0.0197% | 1,999 |
| Net operating income to assets | 0.9214% | 2,197 |
| Return on assets (ROA) | 0.9214% | 2,189 |
| Pretax return on assets | 1.0051% | 2,424 |
| Return on Equity (ROE) | 6.7726% | 3,108 |
| Retained earnings to average equity (ytd only) | 1.8833% | 3,577 |
| Net charge-offs to loans | -0.0980% | 4,451 |
| Credit loss provision to net charge-offs | -80.0000% | 2,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1997% | 2,999 |
| Assets per employee ($millions) | 7.1531% | 1,888 |
| Cash dividends to net income (ytd only)* | 72.1925% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7675% | 46 |
| 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 | 24.7268% | 4,602 |
| Net loans and leases to deposits | 27.9572% | 4,599 |
| Net loans and leases to core deposits | 30.2789% | 4,575 |
| Total domestic deposits to total assets | 88.4449% | 2,320 |
| Equity capital to assets | 11.5208% | 1,120 |
| Core capital (leverage) ratio | 15.1088% | 421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0735% | 204 |
| Memoranda: | ||
| Average total assets | $81,184,000 | 4,208 |
| Average earning assets | $74,714,000 | 4,205 |
| Average equity | $11,044,500 | 3,951 |
| Average total loans | $20,403,000 | 4,516 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8728% | 4,100 |
| Cost of funding earning assets | 0.1638% | 3,834 |
| Net interest margin | 2.7090% | 3,854 |
| Noninterest income to average assets | 0.6265% | 2,040 |
| Noninterest expense to average assets | 2.1609% | 3,197 |
| Loan and lease loss provision to assets | 0.0195% | 2,681 |
| Net operating income to assets | 0.9546% | 2,850 |
| Return on assets (ROA) | 0.9546% | 2,924 |
| Pretax return on assets | 0.9780% | 3,319 |
| Return on Equity (ROE) | 5.5671% | 3,865 |
| Retained earnings to average equity (ytd only) | 2.5037% | 3,829 |
| Net charge-offs to loans | -0.0137% | 3,843 |
| Credit loss provision to net charge-offs | -500.0000% | 3,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4189% | 1,926 |
| Assets per employee ($millions) | 7.6076% | 1,552 |
| Cash dividends to net income (ytd only)* | 55.0272% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7360% | 46 |
| 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 | 23.1956% | 4,667 |
| Net loans and leases to deposits | 27.4912% | 4,665 |
| Net loans and leases to core deposits | 29.5985% | 4,651 |
| Total domestic deposits to total assets | 84.3746% | 3,454 |
| Equity capital to assets | 15.5633% | 428 |
| Core capital (leverage) ratio | 16.1476% | 345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9822% | 201 |
| Memoranda: | ||
| Average total assets | $77,096,400 | 4,257 |
| Average earning assets | $72,056,000 | 4,233 |
| Average equity | $13,220,600 | 3,809 |
| Average total loans | $21,921,800 | 4,535 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9384% | 4,107 |
| Cost of funding earning assets | 0.1697% | 3,922 |
| Net interest margin | 2.7687% | 3,844 |
| Noninterest income to average assets | 0.8040% | 1,515 |
| Noninterest expense to average assets | 1.8997% | 3,946 |
| Loan and lease loss provision to assets | 0.0199% | 2,603 |
| Net operating income to assets | 1.4420% | 1,416 |
| Return on assets (ROA) | 1.4420% | 1,476 |
| Pretax return on assets | 1.4791% | 2,049 |
| Return on Equity (ROE) | 8.1989% | 3,348 |
| Retained earnings to average equity (ytd only) | 4.1296% | 3,535 |
| Net charge-offs to loans | -0.0120% | 3,747 |
| Credit loss provision to net charge-offs | -550.0000% | 3,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9022% | 3,546 |
| Assets per employee ($millions) | 7.4730% | 1,586 |
| Cash dividends to net income (ytd only)* | 49.6324% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7695% | 43 |
| 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 | 25.6497% | 4,713 |
| Net loans and leases to deposits | 31.2391% | 4,682 |
| Net loans and leases to core deposits | 33.8735% | 4,654 |
| Total domestic deposits to total assets | 82.1076% | 3,912 |
| Equity capital to assets | 17.8242% | 282 |
| Core capital (leverage) ratio | 16.8766% | 322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0047% | 195 |
| Memoranda: | ||
| Average total assets | $75,449,500 | 4,328 |
| Average earning assets | $70,693,250 | 4,309 |
| Average equity | $13,269,750 | 3,859 |
| Average total loans | $22,308,250 | 4,586 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8786% | 4,252 |
| Cost of funding earning assets | 0.1741% | 4,001 |
| Net interest margin | 2.7045% | 3,973 |
| Noninterest income to average assets | 1.1204% | 905 |
| Noninterest expense to average assets | 1.8787% | 4,018 |
| Loan and lease loss provision to assets | 0.0185% | 2,589 |
| Net operating income to assets | 1.7783% | 751 |
| Return on assets (ROA) | 1.7783% | 787 |
| Pretax return on assets | 1.7678% | 1,309 |
| Return on Equity (ROE) | 10.1562% | 2,695 |
| Retained earnings to average equity (ytd only) | 5.4026% | 3,036 |
| Net charge-offs to loans | -0.0087% | 3,618 |
| Credit loss provision to net charge-offs | -700.0000% | 3,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2617% | 4,117 |
| Assets per employee ($millions) | 7.5126% | 1,471 |
| Cash dividends to net income (ytd only)* | 46.8053% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1240% | 63 |
| 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 | 29.5530% | 4,661 |
| Net loans and leases to deposits | 35.9681% | 4,635 |
| Net loans and leases to core deposits | 38.9755% | 4,601 |
| Total domestic deposits to total assets | 82.1646% | 3,893 |
| Equity capital to assets | 17.7542% | 283 |
| Core capital (leverage) ratio | 16.5791% | 332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7706% | 203 |
| Memoranda: | ||
| Average total assets | $75,689,333 | 4,352 |
| Average earning assets | $71,214,333 | 4,326 |
| Average equity | $13,253,000 | 3,869 |
| Average total loans | $23,035,000 | 4,611 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8047% | 4,373 |
| Cost of funding earning assets | 0.1791% | 4,089 |
| Net interest margin | 2.6256% | 4,099 |
| Noninterest income to average assets | 1.2531% | 805 |
| Noninterest expense to average assets | 1.8744% | 4,045 |
| Loan and lease loss provision to assets | 0.0211% | 2,505 |
| Net operating income to assets | 1.8428% | 729 |
| Return on assets (ROA) | 1.8428% | 780 |
| Pretax return on assets | 1.8270% | 1,240 |
| Return on Equity (ROE) | 10.5976% | 2,496 |
| Retained earnings to average equity (ytd only) | 6.5100% | 2,726 |
| Net charge-offs to loans | -0.0174% | 3,926 |
| Credit loss provision to net charge-offs | -400.0000% | 3,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3536% | 4,158 |
| Assets per employee ($millions) | 7.5665% | 1,414 |
| Cash dividends to net income (ytd only)* | 38.5714% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1463% | 69 |
| 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 | 29.0861% | 4,720 |
| Net loans and leases to deposits | 35.1504% | 4,701 |
| Net loans and leases to core deposits | 37.5550% | 4,677 |
| Total domestic deposits to total assets | 82.7476% | 3,751 |
| Equity capital to assets | 17.1836% | 296 |
| Core capital (leverage) ratio | 16.4582% | 349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9837% | 234 |
| Memoranda: | ||
| Average total assets | $75,971,000 | 4,369 |
| Average earning assets | $71,451,000 | 4,336 |
| Average equity | $13,210,500 | 3,881 |
| Average total loans | $22,974,000 | 4,635 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3253% | 4,296 |
| Cost of funding earning assets | 0.3012% | 4,136 |
| Net interest margin | 3.0241% | 3,834 |
| Noninterest income to average assets | 0.3449% | 3,400 |
| Noninterest expense to average assets | 2.1472% | 3,834 |
| Loan and lease loss provision to assets | 0.0213% | 4,128 |
| Net operating income to assets | 0.9565% | 2,451 |
| Return on assets (ROA) | 0.9565% | 2,599 |
| Pretax return on assets | 1.0119% | 3,006 |
| Return on Equity (ROE) | 5.1815% | 3,853 |
| Retained earnings to average equity (ytd only) | 2.5293% | 3,581 |
| Net charge-offs to loans | 0.0163% | 2,772 |
| Credit loss provision to net charge-offs | 375.0000% | 1,507 |
| Earnings coverage of net charge-offs (x) | 182.0000% | 501 |
| Efficiency ratio | 67.5145% | 2,294 |
| Assets per employee ($millions) | 7.6277% | 1,203 |
| Cash dividends to net income (ytd only)* | 51.1869% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1195% | 65 |
| Loan loss allowance to noncurrent loans | 94,700.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,482 |
| Noncurrent loans to loans | 0.0044% | 4,384 |
| Net loans and leases to total assets | 28.8960% | 4,780 |
| Net loans and leases to deposits | 35.1296% | 4,762 |
| Net loans and leases to core deposits | 37.7117% | 4,746 |
| Total domestic deposits to total assets | 82.2555% | 3,602 |
| Equity capital to assets | 17.5925% | 298 |
| Core capital (leverage) ratio | 16.8514% | 325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.6245% | 222 |
| Memoranda: | ||
| Average total assets | $70,463,400 | 4,380 |
| Average earning assets | $66,068,800 | 4,352 |
| Average equity | $13,007,800 | 3,862 |
| Average total loans | $24,540,000 | 4,625 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4258% | 4,318 |
| Cost of funding earning assets | 0.3298% | 4,155 |
| Net interest margin | 3.0960% | 3,750 |
| Noninterest income to average assets | 0.3961% | 3,102 |
| Noninterest expense to average assets | 1.8470% | 4,411 |
| Loan and lease loss provision to assets | 0.0217% | 4,061 |
| Net operating income to assets | 1.4316% | 1,030 |
| Return on assets (ROA) | 1.4316% | 1,120 |
| Pretax return on assets | 1.4297% | 1,635 |
| Return on Equity (ROE) | 7.6558% | 2,938 |
| Retained earnings to average equity (ytd only) | 4.0913% | 3,002 |
| Net charge-offs to loans | 0.0267% | 2,302 |
| Credit loss provision to net charge-offs | 220.0000% | 2,040 |
| Earnings coverage of net charge-offs (x) | 150.2000% | 599 |
| Efficiency ratio | 56.0047% | 3,920 |
| Assets per employee ($millions) | 7.0501% | 1,466 |
| Cash dividends to net income (ytd only)* | 46.5587% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6489% | 78 |
| Loan loss allowance to noncurrent loans | 169.1203% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.7901% | 1,460 |
| Noncurrent loans to loans | 2.1576% | 550 |
| Net loans and leases to total assets | 35.2818% | 4,706 |
| Net loans and leases to deposits | 43.6440% | 4,671 |
| Net loans and leases to core deposits | 47.1983% | 4,642 |
| Total domestic deposits to total assets | 80.8400% | 3,695 |
| Equity capital to assets | 19.0366% | 237 |
| Core capital (leverage) ratio | 17.1198% | 329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1420% | 238 |
| Memoranda: | ||
| Average total assets | $69,010,000 | 4,412 |
| Average earning assets | $64,684,750 | 4,392 |
| Average equity | $12,905,000 | 3,877 |
| Average total loans | $24,928,000 | 4,644 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4257% | 4,514 |
| Cost of funding earning assets | 0.3616% | 4,217 |
| Net interest margin | 3.0641% | 3,983 |
| Noninterest income to average assets | 0.5196% | 2,495 |
| Noninterest expense to average assets | 1.9938% | 4,245 |
| Loan and lease loss provision to assets | 0.0204% | 3,987 |
| Net operating income to assets | 1.3778% | 1,156 |
| Return on assets (ROA) | 1.3778% | 1,254 |
| Pretax return on assets | 1.3749% | 1,789 |
| Return on Equity (ROE) | 7.4138% | 2,963 |
| Retained earnings to average equity (ytd only) | 3.3142% | 3,264 |
| Net charge-offs to loans | 0.0487% | 1,786 |
| Credit loss provision to net charge-offs | 133.3333% | 2,213 |
| Earnings coverage of net charge-offs (x) | 79.6667% | 808 |
| Efficiency ratio | 58.8286% | 3,580 |
| Assets per employee ($millions) | 7.2190% | 1,315 |
| Cash dividends to net income (ytd only)* | 55.2966% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6268% | 81 |
| Loan loss allowance to noncurrent loans | 144.9768% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.8962% | 1,366 |
| Noncurrent loans to loans | 2.5016% | 468 |
| Net loans and leases to total assets | 34.5269% | 4,766 |
| Net loans and leases to deposits | 42.3161% | 4,738 |
| Net loans and leases to core deposits | 45.6234% | 4,719 |
| Total domestic deposits to total assets | 81.5930% | 3,473 |
| Equity capital to assets | 18.2671% | 282 |
| Core capital (leverage) ratio | 17.2135% | 331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,513,000 | 4,426 |
| Average earning assets | $64,163,000 | 4,408 |
| Average equity | $12,733,000 | 3,903 |
| Average total loans | $24,632,000 | 4,673 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5444% | 4,591 |
| Cost of funding earning assets | 0.4159% | 4,307 |
| Net interest margin | 3.1285% | 4,036 |
| Noninterest income to average assets | 0.2160% | 4,259 |
| Noninterest expense to average assets | 2.1417% | 4,134 |
| Loan and lease loss provision to assets | 0.0240% | 3,499 |
| Net operating income to assets | 0.9899% | 2,213 |
| Return on assets (ROA) | 0.9899% | 2,313 |
| Pretax return on assets | 0.9839% | 2,891 |
| Return on Equity (ROE) | 5.2775% | 3,544 |
| Retained earnings to average equity (ytd only) | 1.4393% | 3,620 |
| Net charge-offs to loans | 0.1166% | 1,008 |
| Credit loss provision to net charge-offs | 57.1429% | 2,027 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,314 |
| Efficiency ratio | 68.0000% | 2,664 |
| Assets per employee ($millions) | 6.4201% | 1,386 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8843% | 83 |
| Loan loss allowance to noncurrent loans | 127.1117% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 1.1433% | 1,115 |
| Noncurrent loans to loans | 3.0558% | 345 |
| Net loans and leases to total assets | 35.9605% | 4,777 |
| Net loans and leases to deposits | 44.7909% | 4,749 |
| Net loans and leases to core deposits | 49.0973% | 4,698 |
| Total domestic deposits to total assets | 80.2854% | 3,804 |
| Equity capital to assets | 19.5978% | 266 |
| Core capital (leverage) ratio | 18.0799% | 331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,674,500 | 4,456 |
| Average earning assets | $62,522,000 | 4,442 |
| Average equity | $12,506,000 | 3,944 |
| Average total loans | $24,016,500 | 4,721 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7421% | 4,636 |
| Cost of funding earning assets | 0.4312% | 4,337 |
| Net interest margin | 3.3109% | 3,965 |
| Noninterest income to average assets | 1.2647% | 589 |
| Noninterest expense to average assets | 2.3433% | 3,839 |
| Loan and lease loss provision to assets | 0.0158% | 3,701 |
| Net operating income to assets | 1.9790% | 374 |
| Return on assets (ROA) | 1.9790% | 386 |
| Pretax return on assets | 2.0295% | 564 |
| Return on Equity (ROE) | 10.8333% | 1,953 |
| Retained earnings to average equity (ytd only) | 7.7258% | 1,072 |
| Net charge-offs to loans | 0.2569% | 803 |
| Credit loss provision to net charge-offs | 15.1515% | 3,335 |
| Earnings coverage of net charge-offs (x) | 19.6515% | 1,984 |
| Efficiency ratio | 53.3956% | 4,487 |
| Assets per employee ($millions) | 6.9148% | 1,075 |
| Cash dividends to net income (ytd only)* | 28.6853% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8979% | 66 |
| Loan loss allowance to noncurrent loans | 3,600.0000% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 4,453 |
| Noncurrent loans to loans | 0.1083% | 4,095 |
| Net loans and leases to total assets | 33.3733% | 4,910 |
| Net loans and leases to deposits | 40.7426% | 4,892 |
| Net loans and leases to core deposits | 43.9998% | 4,874 |
| Total domestic deposits to total assets | 81.9127% | 3,529 |
| Equity capital to assets | 17.9759% | 367 |
| Core capital (leverage) ratio | 19.0581% | 275 |
| Tier 1 risk-based capital ratio | 29.9494% | 477 |
| Total risk-based capital ratio | 31.2131% | 468 |
| Memoranda: | ||
| Average total assets | $63,416,000 | 4,539 |
| Average earning assets | $59,833,200 | 4,514 |
| Average equity | $11,584,600 | 4,043 |
| Average total loans | $25,692,000 | 4,735 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8535% | 4,602 |
| Cost of funding earning assets | 0.4362% | 4,380 |
| Net interest margin | 3.4172% | 3,818 |
| Noninterest income to average assets | 0.2517% | 4,233 |
| Noninterest expense to average assets | 2.0693% | 4,411 |
| Loan and lease loss provision to assets | 0.0129% | 3,644 |
| Net operating income to assets | 1.3444% | 1,661 |
| Return on assets (ROA) | 1.3444% | 1,733 |
| Pretax return on assets | 1.4046% | 2,293 |
| Return on Equity (ROE) | 7.3269% | 3,574 |
| Retained earnings to average equity (ytd only) | 3.1066% | 3,850 |
| Net charge-offs to loans | 0.3370% | 509 |
| Credit loss provision to net charge-offs | 9.0909% | 3,007 |
| Earnings coverage of net charge-offs (x) | 9.9845% | 2,532 |
| Efficiency ratio | 59.3461% | 3,758 |
| Assets per employee ($millions) | 5.9455% | 1,640 |
| Cash dividends to net income (ytd only)* | 57.6004% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6118% | 83 |
| 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 | 41.8333% | 4,753 |
| Net loans and leases to deposits | 52.2840% | 4,696 |
| Net loans and leases to core deposits | 57.3272% | 4,644 |
| Total domestic deposits to total assets | 80.0118% | 3,992 |
| Equity capital to assets | 19.8823% | 264 |
| Core capital (leverage) ratio | 18.4939% | 316 |
| Tier 1 risk-based capital ratio | 28.6057% | 533 |
| Total risk-based capital ratio | 29.8694% | 526 |
| Memoranda: | ||
| Average total assets | $61,983,000 | 4,623 |
| Average earning assets | $58,681,750 | 4,600 |
| Average equity | $11,373,250 | 4,113 |
| Average total loans | $26,111,750 | 4,795 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7855% | 4,729 |
| Cost of funding earning assets | 0.4232% | 4,422 |
| Net interest margin | 3.3623% | 4,005 |
| Noninterest income to average assets | 0.2579% | 4,209 |
| Noninterest expense to average assets | 2.0597% | 4,495 |
| Loan and lease loss provision to assets | 0.0064% | 3,603 |
| Net operating income to assets | 1.3116% | 1,729 |
| Return on assets (ROA) | 1.3116% | 1,795 |
| Pretax return on assets | 1.3784% | 2,268 |
| Return on Equity (ROE) | 7.3414% | 3,554 |
| Retained earnings to average equity (ytd only) | 2.4234% | 3,974 |
| Net charge-offs to loans | 0.2289% | 737 |
| Credit loss provision to net charge-offs | 6.6667% | 2,705 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 2,032 |
| Efficiency ratio | 59.7967% | 3,757 |
| Assets per employee ($millions) | 6.1080% | 1,466 |
| Cash dividends to net income (ytd only)* | 66.9903% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5680% | 80 |
| Loan loss allowance to noncurrent loans | 48,200.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 4,808 |
| Noncurrent loans to loans | 0.0074% | 4,695 |
| Net loans and leases to total assets | 42.6555% | 4,761 |
| Net loans and leases to deposits | 52.6844% | 4,720 |
| Net loans and leases to core deposits | 57.5169% | 4,661 |
| Total domestic deposits to total assets | 80.9643% | 3,825 |
| Equity capital to assets | 18.9293% | 295 |
| Core capital (leverage) ratio | 18.1120% | 330 |
| Tier 1 risk-based capital ratio | 27.4298% | 594 |
| Total risk-based capital ratio | 28.6942% | 580 |
| Memoranda: | ||
| Average total assets | $62,825,670 | 4,641 |
| Average earning assets | $59,543,000 | 4,618 |
| Average equity | $11,224,000 | 4,143 |
| Average total loans | $26,214,330 | 4,826 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7124% | 4,828 |
| Cost of funding earning assets | 0.4037% | 4,468 |
| Net interest margin | 3.3087% | 4,142 |
| Noninterest income to average assets | 0.2637% | 4,120 |
| Noninterest expense to average assets | 2.0095% | 4,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3187% | 1,632 |
| Return on assets (ROA) | 1.3187% | 1,675 |
| Pretax return on assets | 1.3941% | 2,103 |
| Return on Equity (ROE) | 7.5984% | 3,421 |
| Retained earnings to average equity (ytd only) | 3.2564% | 3,620 |
| Net charge-offs to loans | -0.0155% | 4,390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0406% | 3,947 |
| Assets per employee ($millions) | 6.1277% | 1,447 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8917% | 66 |
| Loan loss allowance to noncurrent loans | 204.3210% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.7931% | 1,778 |
| Noncurrent loans to loans | 1.9047% | 795 |
| Net loans and leases to total assets | 40.0199% | 4,888 |
| Net loans and leases to deposits | 49.0784% | 4,846 |
| Net loans and leases to core deposits | 53.5215% | 4,800 |
| Total domestic deposits to total assets | 81.5428% | 3,842 |
| Equity capital to assets | 18.3788% | 316 |
| Core capital (leverage) ratio | 17.5913% | 360 |
| Tier 1 risk-based capital ratio | 28.2449% | 545 |
| Total risk-based capital ratio | 29.5095% | 536 |
| Memoranda: | ||
| Average total assets | $63,698,500 | 4,681 |
| Average earning assets | $60,446,500 | 4,638 |
| Average equity | $11,055,000 | 4,183 |
| Average total loans | $25,812,500 | 4,887 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6145% | 4,781 |
| Cost of funding earning assets | 0.3305% | 4,405 |
| Net interest margin | 3.2840% | 4,294 |
| Noninterest income to average assets | 0.2679% | 4,318 |
| Noninterest expense to average assets | 2.3462% | 4,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9647% | 3,159 |
| Return on assets (ROA) | 0.9709% | 3,133 |
| Pretax return on assets | 1.0099% | 3,563 |
| Return on Equity (ROE) | 5.5651% | 4,303 |
| Retained earnings to average equity (ytd only) | 2.0753% | 4,328 |
| Net charge-offs to loans | 0.0260% | 2,892 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 88.2857% | 808 |
| Efficiency ratio | 70.0436% | 2,181 |
| Assets per employee ($millions) | 6.6120% | 1,165 |
| Cash dividends to net income (ytd only)* | 62.7090% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7995% | 66 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 1.1252% | 1,181 |
| Noncurrent loans to loans | 2.8496% | 379 |
| Net loans and leases to total assets | 37.9870% | 5,017 |
| Net loans and leases to deposits | 45.4754% | 4,996 |
| Net loans and leases to core deposits | 49.1459% | 4,966 |
| Total domestic deposits to total assets | 83.5330% | 3,151 |
| Equity capital to assets | 16.4065% | 479 |
| Core capital (leverage) ratio | 18.1950% | 317 |
| Tier 1 risk-based capital ratio | 28.2752% | 550 |
| Total risk-based capital ratio | 29.5412% | 542 |
| Memoranda: | ||
| Average total assets | $61,589,800 | 4,732 |
| Average earning assets | $57,794,600 | 4,716 |
| Average equity | $10,745,600 | 4,199 |
| Average total loans | $26,903,200 | 4,892 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6645% | 4,708 |
| Cost of funding earning assets | 0.3203% | 4,379 |
| Net interest margin | 3.3442% | 4,170 |
| Noninterest income to average assets | 0.2624% | 4,398 |
| Noninterest expense to average assets | 2.0201% | 4,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3367% | 1,714 |
| Return on assets (ROA) | 1.3453% | 1,695 |
| Pretax return on assets | 1.3828% | 2,292 |
| Return on Equity (ROE) | 7.5868% | 3,716 |
| Retained earnings to average equity (ytd only) | 2.9229% | 4,264 |
| Net charge-offs to loans | 0.0344% | 2,398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 89.0300% | 825 |
| Efficiency ratio | 59.5192% | 3,880 |
| Assets per employee ($millions) | 5.7698% | 1,667 |
| Cash dividends to net income (ytd only)* | 61.4759% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6109% | 80 |
| Loan loss allowance to noncurrent loans | 132.9759% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 1.2929% | 1,061 |
| Noncurrent loans to loans | 2.7155% | 448 |
| Net loans and leases to total assets | 45.8941% | 4,808 |
| Net loans and leases to deposits | 56.3105% | 4,736 |
| Net loans and leases to core deposits | 61.7163% | 4,628 |
| Total domestic deposits to total assets | 81.5020% | 3,736 |
| Equity capital to assets | 18.4443% | 297 |
| Core capital (leverage) ratio | 18.5527% | 288 |
| Tier 1 risk-based capital ratio | 28.1924% | 558 |
| Total risk-based capital ratio | 29.4585% | 546 |
| Memoranda: | ||
| Average total assets | $60,457,250 | 4,804 |
| Average earning assets | $56,613,750 | 4,788 |
| Average equity | $10,720,000 | 4,240 |
| Average total loans | $27,101,750 | 4,942 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6775% | 4,634 |
| Cost of funding earning assets | 0.2957% | 4,443 |
| Net interest margin | 3.3818% | 4,011 |
| Noninterest income to average assets | 0.2444% | 4,547 |
| Noninterest expense to average assets | 1.9812% | 4,831 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3982% | 1,450 |
| Return on assets (ROA) | 1.4110% | 1,398 |
| Pretax return on assets | 1.4435% | 2,007 |
| Return on Equity (ROE) | 8.0588% | 3,473 |
| Retained earnings to average equity (ytd only) | 2.6987% | 4,170 |
| Net charge-offs to loans | 0.0593% | 1,757 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 54.8750% | 1,062 |
| Efficiency ratio | 58.0707% | 4,222 |
| Assets per employee ($millions) | 5.9206% | 1,529 |
| Cash dividends to net income (ytd only)* | 66.5127% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4436% | 86 |
| Loan loss allowance to noncurrent loans | 2,417.0732% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 4,673 |
| Noncurrent loans to loans | 0.1425% | 4,258 |
| Net loans and leases to total assets | 46.9327% | 4,771 |
| Net loans and leases to deposits | 57.3211% | 4,678 |
| Net loans and leases to core deposits | 62.6186% | 4,578 |
| Total domestic deposits to total assets | 81.8768% | 3,759 |
| Equity capital to assets | 18.0708% | 319 |
| Core capital (leverage) ratio | 18.0081% | 312 |
| Tier 1 risk-based capital ratio | 26.4793% | 638 |
| Total risk-based capital ratio | 27.7425% | 630 |
| Memoranda: | ||
| Average total assets | $61,377,000 | 4,846 |
| Average earning assets | $57,485,000 | 4,826 |
| Average equity | $10,746,000 | 4,270 |
| Average total loans | $26,978,330 | 4,996 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5355% | 4,815 |
| Cost of funding earning assets | 0.2467% | 4,730 |
| Net interest margin | 3.2889% | 4,223 |
| Noninterest income to average assets | 0.2690% | 4,375 |
| Noninterest expense to average assets | 1.9788% | 4,884 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3512% | 1,476 |
| Return on assets (ROA) | 1.3512% | 1,488 |
| Pretax return on assets | 1.3640% | 2,131 |
| Return on Equity (ROE) | 7.8369% | 3,452 |
| Retained earnings to average equity (ytd only) | 3.1571% | 3,943 |
| Net charge-offs to loans | 0.0920% | 1,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 35.5000% | 1,133 |
| Efficiency ratio | 59.1954% | 4,183 |
| Assets per employee ($millions) | 5.9882% | 1,526 |
| Cash dividends to net income (ytd only)* | 59.7156% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7584% | 73 |
| Loan loss allowance to noncurrent loans | 2,364.2857% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 4,739 |
| Noncurrent loans to loans | 0.1590% | 4,263 |
| Net loans and leases to total assets | 42.4635% | 4,959 |
| Net loans and leases to deposits | 51.6829% | 4,891 |
| Net loans and leases to core deposits | 56.3789% | 4,827 |
| Total domestic deposits to total assets | 82.1616% | 3,911 |
| Equity capital to assets | 17.7983% | 331 |
| Core capital (leverage) ratio | 17.5278% | 341 |
| Tier 1 risk-based capital ratio | 26.6427% | 633 |
| Total risk-based capital ratio | 27.9061% | 623 |
| Memoranda: | ||
| Average total assets | $62,462,500 | 4,884 |
| Average earning assets | $58,378,500 | 4,861 |
| Average equity | $10,769,500 | 4,311 |
| Average total loans | $26,078,500 | 5,074 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5596% | 4,667 |
| Cost of funding earning assets | 0.2153% | 4,821 |
| Net interest margin | 3.3443% | 4,025 |
| Noninterest income to average assets | 0.2113% | 4,885 |
| Noninterest expense to average assets | 2.2230% | 4,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0497% | 2,050 |
| Return on assets (ROA) | 1.0741% | 1,981 |
| Pretax return on assets | 1.1234% | 3,095 |
| Return on Equity (ROE) | 6.2065% | 3,675 |
| Retained earnings to average equity (ytd only) | 2.5432% | 3,805 |
| Net charge-offs to loans | 0.0151% | 3,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 172.7500% | 441 |
| Efficiency ratio | 66.9378% | 3,089 |
| Assets per employee ($millions) | 6.5043% | 1,207 |
| Cash dividends to net income (ytd only)* | 59.0237% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8817% | 66 |
| Loan loss allowance to noncurrent loans | 175.5712% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.8748% | 1,784 |
| Noncurrent loans to loans | 2.2109% | 652 |
| Net loans and leases to total assets | 38.0318% | 5,221 |
| Net loans and leases to deposits | 45.6984% | 5,206 |
| Net loans and leases to core deposits | 49.4266% | 5,151 |
| Total domestic deposits to total assets | 83.2234% | 3,489 |
| Equity capital to assets | 16.7289% | 426 |
| Core capital (leverage) ratio | 17.8302% | 308 |
| Tier 1 risk-based capital ratio | 26.1912% | 647 |
| Total risk-based capital ratio | 27.4548% | 638 |
| Memoranda: | ||
| Average total assets | $62,933,800 | 4,902 |
| Average earning assets | $58,517,600 | 4,894 |
| Average equity | $10,891,800 | 4,321 |
| Average total loans | $26,472,800 | 5,113 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6040% | 4,547 |
| Cost of funding earning assets | 0.2052% | 4,932 |
| Net interest margin | 3.3988% | 3,853 |
| Noninterest income to average assets | 0.2201% | 4,901 |
| Noninterest expense to average assets | 1.9314% | 5,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3794% | 1,133 |
| Return on assets (ROA) | 1.4122% | 1,089 |
| Pretax return on assets | 1.4720% | 1,874 |
| Return on Equity (ROE) | 8.0895% | 3,083 |
| Retained earnings to average equity (ytd only) | 3.2064% | 4,012 |
| Net charge-offs to loans | 0.0050% | 3,553 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 674.6692% | 150 |
| Efficiency ratio | 57.3240% | 4,582 |
| Assets per employee ($millions) | 6.0168% | 1,480 |
| Cash dividends to net income (ytd only)* | 60.3635% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7837% | 80 |
| Loan loss allowance to noncurrent loans | 168.1208% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.9906% | 1,719 |
| Noncurrent loans to loans | 2.2506% | 716 |
| Net loans and leases to total assets | 42.3481% | 5,099 |
| Net loans and leases to deposits | 52.0319% | 5,054 |
| Net loans and leases to core deposits | 56.7622% | 4,959 |
| Total domestic deposits to total assets | 81.3888% | 3,951 |
| Equity capital to assets | 18.5497% | 296 |
| Core capital (leverage) ratio | 18.2027% | 294 |
| Tier 1 risk-based capital ratio | 26.6715% | 637 |
| Total risk-based capital ratio | 27.9356% | 622 |
| Memoranda: | ||
| Average total assets | $62,406,500 | 4,968 |
| Average earning assets | $57,822,500 | 4,968 |
| Average equity | $10,894,500 | 4,359 |
| Average total loans | $26,657,000 | 5,158 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5697% | 4,594 |
| Cost of funding earning assets | 0.1918% | 5,054 |
| Net interest margin | 3.3779% | 3,844 |
| Noninterest income to average assets | 0.2312% | 4,851 |
| Noninterest expense to average assets | 1.8843% | 5,209 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4136% | 1,032 |
| Return on assets (ROA) | 1.4410% | 1,002 |
| Pretax return on assets | 1.4980% | 1,646 |
| Return on Equity (ROE) | 8.4215% | 2,818 |
| Retained earnings to average equity (ytd only) | 2.7578% | 4,058 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1851% | 4,807 |
| Assets per employee ($millions) | 6.0209% | 1,449 |
| Cash dividends to net income (ytd only)* | 67.2527% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6404% | 83 |
| Loan loss allowance to noncurrent loans | 468.6916% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3554% | 3,698 |
| Noncurrent loans to loans | 0.7767% | 2,463 |
| Net loans and leases to total assets | 44.0947% | 5,036 |
| Net loans and leases to deposits | 54.1021% | 4,957 |
| Net loans and leases to core deposits | 58.9965% | 4,876 |
| Total domestic deposits to total assets | 81.5028% | 4,046 |
| Equity capital to assets | 18.4308% | 295 |
| Core capital (leverage) ratio | 17.3014% | 344 |
| Tier 1 risk-based capital ratio | 25.5498% | 701 |
| Total risk-based capital ratio | 26.8136% | 690 |
| Memoranda: | ||
| Average total assets | $63,152,670 | 4,992 |
| Average earning assets | $58,379,670 | 4,987 |
| Average equity | $10,805,670 | 4,388 |
| Average total loans | $26,715,330 | 5,197 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4527% | 4,822 |
| Cost of funding earning assets | 0.1952% | 5,019 |
| Net interest margin | 3.2576% | 4,143 |
| Noninterest income to average assets | 0.2600% | 4,676 |
| Noninterest expense to average assets | 1.9188% | 5,210 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2874% | 1,270 |
| Return on assets (ROA) | 1.2874% | 1,302 |
| Pretax return on assets | 1.3370% | 2,111 |
| Return on Equity (ROE) | 7.8049% | 3,019 |
| Retained earnings to average equity (ytd only) | 2.8518% | 3,989 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9354% | 4,600 |
| Assets per employee ($millions) | 6.1222% | 1,410 |
| Cash dividends to net income (ytd only)* | 63.4615% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7845% | 93 |
| Loan loss allowance to noncurrent loans | 5,015.0000% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 5,184 |
| Noncurrent loans to loans | 0.0755% | 4,898 |
| Net loans and leases to total assets | 41.6517% | 5,179 |
| Net loans and leases to deposits | 50.5852% | 5,093 |
| Net loans and leases to core deposits | 55.0269% | 5,023 |
| Total domestic deposits to total assets | 82.3397% | 4,074 |
| Equity capital to assets | 17.5933% | 333 |
| Core capital (leverage) ratio | 16.6667% | 391 |
| Tier 1 risk-based capital ratio | 25.6647% | 712 |
| Total risk-based capital ratio | 26.9285% | 696 |
| Memoranda: | ||
| Average total assets | $64,624,500 | 5,016 |
| Average earning assets | $59,431,000 | 5,014 |
| Average equity | $10,660,000 | 4,442 |
| Average total loans | $26,297,000 | 5,264 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6606% | 4,339 |
| Cost of funding earning assets | 0.1935% | 5,083 |
| Net interest margin | 3.4670% | 3,559 |
| Noninterest income to average assets | 0.2099% | 5,159 |
| Noninterest expense to average assets | 2.1679% | 4,846 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2035% | 1,505 |
| Return on assets (ROA) | 1.3483% | 1,157 |
| Pretax return on assets | 1.3950% | 1,962 |
| Return on Equity (ROE) | 8.0421% | 2,909 |
| Retained earnings to average equity (ytd only) | 4.2297% | 2,896 |
| Net charge-offs to loans | -0.0194% | 5,119 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5080% | 4,030 |
| Assets per employee ($millions) | 6.8027% | 1,004 |
| Cash dividends to net income (ytd only)* | 47.4048% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8442% | 87 |
| Loan loss allowance to noncurrent loans | 11,144.4444% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 5,347 |
| Noncurrent loans to loans | 0.0345% | 5,123 |
| Net loans and leases to total assets | 36.8795% | 5,457 |
| Net loans and leases to deposits | 43.6731% | 5,445 |
| Net loans and leases to core deposits | 46.9936% | 5,402 |
| Total domestic deposits to total assets | 84.4444% | 3,254 |
| Equity capital to assets | 15.5071% | 562 |
| Core capital (leverage) ratio | 17.3580% | 327 |
| Tier 1 risk-based capital ratio | 24.1597% | 856 |
| Total risk-based capital ratio | 25.4213% | 824 |
| Memoranda: | ||
| Average total assets | $64,303,200 | 5,044 |
| Average earning assets | $59,417,000 | 5,033 |
| Average equity | $10,780,800 | 4,454 |
| Average total loans | $25,767,400 | 5,323 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7460% | 4,094 |
| Cost of funding earning assets | 0.1989% | 5,080 |
| Net interest margin | 3.5471% | 3,287 |
| Noninterest income to average assets | 0.2146% | 5,178 |
| Noninterest expense to average assets | 1.8830% | 5,409 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5924% | 743 |
| Return on assets (ROA) | 1.7883% | 531 |
| Pretax return on assets | 1.8346% | 831 |
| Return on Equity (ROE) | 10.4561% | 1,887 |
| Retained earnings to average equity (ytd only) | 5.4003% | 2,551 |
| Net charge-offs to loans | -0.0311% | 5,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5607% | 5,270 |
| Assets per employee ($millions) | 5.8260% | 1,556 |
| Cash dividends to net income (ytd only)* | 48.3531% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6178% | 103 |
| 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 | 45.9114% | 5,101 |
| Net loans and leases to deposits | 56.7573% | 4,952 |
| Net loans and leases to core deposits | 62.1036% | 4,823 |
| Total domestic deposits to total assets | 80.8908% | 4,272 |
| Equity capital to assets | 19.0233% | 266 |
| Core capital (leverage) ratio | 17.3521% | 340 |
| Tier 1 risk-based capital ratio | 25.6899% | 745 |
| Total risk-based capital ratio | 26.9539% | 726 |
| Memoranda: | ||
| Average total assets | $63,372,250 | 5,111 |
| Average earning assets | $58,976,500 | 5,092 |
| Average equity | $10,838,750 | 4,491 |
| Average total loans | $25,686,500 | 5,380 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5575% | 4,716 |
| Cost of funding earning assets | 0.1918% | 5,224 |
| Net interest margin | 3.3658% | 4,006 |
| Noninterest income to average assets | 0.2121% | 5,221 |
| Noninterest expense to average assets | 1.7948% | 5,600 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5089% | 875 |
| Return on assets (ROA) | 1.6534% | 681 |
| Pretax return on assets | 1.6934% | 1,108 |
| Return on Equity (ROE) | 10.0025% | 2,050 |
| Retained earnings to average equity (ytd only) | 4.1460% | 3,264 |
| Net charge-offs to loans | -0.0160% | 4,862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7259% | 5,335 |
| Assets per employee ($millions) | 6.2673% | 1,214 |
| Cash dividends to net income (ytd only)* | 58.5502% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8298% | 97 |
| Loan loss allowance to noncurrent loans | 2,272.7273% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 5,269 |
| Noncurrent loans to loans | 0.1685% | 4,766 |
| Net loans and leases to total assets | 40.0667% | 5,418 |
| Net loans and leases to deposits | 48.9636% | 5,382 |
| Net loans and leases to core deposits | 53.4424% | 5,303 |
| Total domestic deposits to total assets | 81.8295% | 4,044 |
| Equity capital to assets | 17.5977% | 371 |
| Core capital (leverage) ratio | 16.3969% | 415 |
| Tier 1 risk-based capital ratio | 24.4631% | 858 |
| Total risk-based capital ratio | 25.7268% | 842 |
| Memoranda: | ||
| Average total assets | $65,076,330 | 5,123 |
| Average earning assets | $60,491,670 | 5,098 |
| Average equity | $10,757,330 | 4,533 |
| Average total loans | $24,998,000 | 5,460 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4583% | 4,986 |
| Cost of funding earning assets | 0.1889% | 5,298 |
| Net interest margin | 3.2694% | 4,332 |
| Noninterest income to average assets | 0.2414% | 5,012 |
| Noninterest expense to average assets | 1.8045% | 5,648 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4387% | 968 |
| Return on assets (ROA) | 1.5510% | 818 |
| Pretax return on assets | 1.5812% | 1,345 |
| Return on Equity (ROE) | 9.6785% | 2,124 |
| Retained earnings to average equity (ytd only) | 4.5945% | 3,178 |
| Net charge-offs to loans | -0.0491% | 5,316 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1661% | 5,271 |
| Assets per employee ($millions) | 6.3771% | 1,179 |
| Cash dividends to net income (ytd only)* | 52.5292% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0296% | 89 |
| Loan loss allowance to noncurrent loans | 52.9910% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 2.9622% | 430 |
| Noncurrent loans to loans | 7.6044% | 81 |
| Net loans and leases to total assets | 37.3838% | 5,583 |
| Net loans and leases to deposits | 46.5953% | 5,483 |
| Net loans and leases to core deposits | 50.8663% | 5,408 |
| Total domestic deposits to total assets | 80.2308% | 4,695 |
| Equity capital to assets | 16.8697% | 433 |
| Core capital (leverage) ratio | 15.8275% | 495 |
| Tier 1 risk-based capital ratio | 24.3536% | 883 |
| Total risk-based capital ratio | 25.6169% | 866 |
| Memoranda: | ||
| Average total assets | $66,278,000 | 5,143 |
| Average earning assets | $61,418,000 | 5,125 |
| Average equity | $10,621,500 | 4,568 |
| Average total loans | $24,441,500 | 5,535 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5268% | 4,850 |
| Cost of funding earning assets | 0.1871% | 5,383 |
| Net interest margin | 3.3396% | 4,152 |
| Noninterest income to average assets | 0.2072% | 5,354 |
| Noninterest expense to average assets | 2.0304% | 5,397 |
| Loan and lease loss provision to assets | 0.0537% | 3,243 |
| Net operating income to assets | 1.1583% | 1,705 |
| Return on assets (ROA) | 1.1941% | 1,644 |
| Pretax return on assets | 1.2462% | 2,482 |
| Return on Equity (ROE) | 7.7744% | 3,092 |
| Retained earnings to average equity (ytd only) | 3.6106% | 3,489 |
| Net charge-offs to loans | -0.0081% | 5,064 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6569% | 4,665 |
| Assets per employee ($millions) | 6.8785% | 928 |
| Cash dividends to net income (ytd only)* | 53.5581% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1511% | 78 |
| Loan loss allowance to noncurrent loans | 2,169.5652% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 5,366 |
| Noncurrent loans to loans | 0.1913% | 4,720 |
| Net loans and leases to total assets | 33.5015% | 5,791 |
| Net loans and leases to deposits | 39.5551% | 5,787 |
| Net loans and leases to core deposits | 42.6962% | 5,749 |
| Total domestic deposits to total assets | 84.6958% | 3,208 |
| Equity capital to assets | 15.2431% | 633 |
| Core capital (leverage) ratio | 15.9206% | 474 |
| Tier 1 risk-based capital ratio | 24.1053% | 914 |
| Total risk-based capital ratio | 25.3683% | 892 |
| Memoranda: | ||
| Average total assets | $67,081,400 | 5,155 |
| Average earning assets | $61,983,400 | 5,128 |
| Average equity | $10,303,000 | 4,599 |
| Average total loans | $24,557,600 | 5,570 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5676% | 4,827 |
| Cost of funding earning assets | 0.1945% | 5,428 |
| Net interest margin | 3.3732% | 4,066 |
| Noninterest income to average assets | 0.2220% | 5,326 |
| Noninterest expense to average assets | 1.7503% | 5,848 |
| Loan and lease loss provision to assets | 0.0540% | 3,112 |
| Net operating income to assets | 1.4917% | 930 |
| Return on assets (ROA) | 1.5402% | 901 |
| Pretax return on assets | 1.5902% | 1,414 |
| Return on Equity (ROE) | 10.0087% | 2,102 |
| Retained earnings to average equity (ytd only) | 4.4325% | 3,306 |
| Net charge-offs to loans | -0.0108% | 5,014 |
| Credit loss provision to net charge-offs | -1,350.0000% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3325% | 5,629 |
| Assets per employee ($millions) | 6.2493% | 1,200 |
| Cash dividends to net income (ytd only)* | 55.7148% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8126% | 104 |
| Loan loss allowance to noncurrent loans | 4,120.8333% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 5,632 |
| Noncurrent loans to loans | 0.0925% | 5,256 |
| Net loans and leases to total assets | 39.9261% | 5,594 |
| Net loans and leases to deposits | 48.9370% | 5,516 |
| Net loans and leases to core deposits | 53.0466% | 5,460 |
| Total domestic deposits to total assets | 81.5867% | 4,294 |
| Equity capital to assets | 16.7443% | 465 |
| Core capital (leverage) ratio | 15.7363% | 528 |
| Tier 1 risk-based capital ratio | 24.1044% | 941 |
| Total risk-based capital ratio | 25.3688% | 924 |
| Memoranda: | ||
| Average total assets | $66,655,500 | 5,228 |
| Average earning assets | $61,701,250 | 5,198 |
| Average equity | $10,257,500 | 4,665 |
| Average total loans | $24,686,500 | 5,633 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4884% | 5,019 |
| Cost of funding earning assets | 0.1943% | 5,492 |
| Net interest margin | 3.2940% | 4,325 |
| Noninterest income to average assets | 0.2146% | 5,411 |
| Noninterest expense to average assets | 1.6754% | 5,990 |
| Loan and lease loss provision to assets | 0.0529% | 3,063 |
| Net operating income to assets | 1.4825% | 929 |
| Return on assets (ROA) | 1.5167% | 913 |
| Pretax return on assets | 1.5608% | 1,451 |
| Return on Equity (ROE) | 10.1289% | 2,012 |
| Retained earnings to average equity (ytd only) | 3.7100% | 3,663 |
| Net charge-offs to loans | -0.0412% | 5,462 |
| Credit loss provision to net charge-offs | -360.0000% | 5,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4905% | 5,756 |
| Assets per employee ($millions) | 6.4746% | 1,067 |
| Cash dividends to net income (ytd only)* | 63.3721% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8713% | 115 |
| Loan loss allowance to noncurrent loans | 16,383.3333% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 5,861 |
| Noncurrent loans to loans | 0.0236% | 5,665 |
| Net loans and leases to total assets | 37.6996% | 5,749 |
| Net loans and leases to deposits | 45.1233% | 5,720 |
| Net loans and leases to core deposits | 48.6730% | 5,670 |
| Total domestic deposits to total assets | 83.5480% | 3,742 |
| Equity capital to assets | 15.6257% | 581 |
| Core capital (leverage) ratio | 14.9715% | 619 |
| Tier 1 risk-based capital ratio | 23.4896% | 1,010 |
| Total risk-based capital ratio | 24.7523% | 995 |
| Memoranda: | ||
| Average total assets | $68,043,000 | 5,253 |
| Average earning assets | $62,780,330 | 5,232 |
| Average equity | $10,188,670 | 4,701 |
| Average total loans | $24,268,670 | 5,700 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3858% | 5,233 |
| Cost of funding earning assets | 0.2006% | 5,504 |
| Net interest margin | 3.1851% | 4,663 |
| Noninterest income to average assets | 0.2525% | 5,153 |
| Noninterest expense to average assets | 1.6989% | 6,012 |
| Loan and lease loss provision to assets | 0.0517% | 2,903 |
| Net operating income to assets | 1.4005% | 1,035 |
| Return on assets (ROA) | 1.4005% | 1,088 |
| Pretax return on assets | 1.4177% | 1,823 |
| Return on Equity (ROE) | 9.5457% | 2,199 |
| Retained earnings to average equity (ytd only) | 4.2643% | 3,456 |
| Net charge-offs to loans | -0.0506% | 5,517 |
| Credit loss provision to net charge-offs | -300.0000% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6232% | 5,707 |
| Assets per employee ($millions) | 6.9284% | 883 |
| Cash dividends to net income (ytd only)* | 55.3279% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1492% | 113 |
| Loan loss allowance to noncurrent loans | 2,557.8947% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 5,714 |
| Noncurrent loans to loans | 0.1622% | 5,191 |
| Net loans and leases to total assets | 32.4086% | 5,986 |
| Net loans and leases to deposits | 38.1605% | 5,979 |
| Net loans and leases to core deposits | 41.1985% | 5,928 |
| Total domestic deposits to total assets | 84.9273% | 3,443 |
| Equity capital to assets | 14.9977% | 719 |
| Core capital (leverage) ratio | 13.8457% | 870 |
| Tier 1 risk-based capital ratio | 23.3867% | 1,062 |
| Total risk-based capital ratio | 24.6491% | 1,035 |
| Memoranda: | ||
| Average total assets | $69,691,500 | 5,268 |
| Average earning assets | $63,796,500 | 5,251 |
| Average equity | $10,224,500 | 4,731 |
| Average total loans | $23,707,000 | 5,767 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5598% | 5,191 |
| Cost of funding earning assets | 0.1974% | 5,766 |
| Net interest margin | 3.3624% | 4,364 |
| Noninterest income to average assets | 0.2010% | 5,658 |
| Noninterest expense to average assets | 1.8609% | 5,990 |
| Loan and lease loss provision to assets | 0.0694% | 3,095 |
| Net operating income to assets | 1.2858% | 1,334 |
| Return on assets (ROA) | 1.4025% | 1,107 |
| Pretax return on assets | 1.4719% | 1,647 |
| Return on Equity (ROE) | 10.0712% | 2,087 |
| Retained earnings to average equity (ytd only) | 5.6170% | 2,186 |
| Net charge-offs to loans | -0.0216% | 5,709 |
| Credit loss provision to net charge-offs | -960.0000% | 5,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7460% | 5,591 |
| Assets per employee ($millions) | 7.0099% | 839 |
| Cash dividends to net income (ytd only)* | 44.2268% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0020% | 132 |
| Loan loss allowance to noncurrent loans | 32,000.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 6,075 |
| Noncurrent loans to loans | 0.0125% | 5,861 |
| Net loans and leases to total assets | 32.8507% | 6,090 |
| Net loans and leases to deposits | 38.3800% | 6,089 |
| Net loans and leases to core deposits | 41.1847% | 6,069 |
| Total domestic deposits to total assets | 85.5932% | 3,033 |
| Equity capital to assets | 14.3483% | 854 |
| Core capital (leverage) ratio | 14.8545% | 637 |
| Tier 1 risk-based capital ratio | 23.2567% | 1,042 |
| Total risk-based capital ratio | 24.5190% | 1,017 |
| Memoranda: | ||
| Average total assets | $69,161,600 | 5,316 |
| Average earning assets | $63,318,600 | 5,302 |
| Average equity | $9,631,400 | 4,832 |
| Average total loans | $23,192,800 | 5,845 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5868% | 5,177 |
| Cost of funding earning assets | 0.2001% | 5,830 |
| Net interest margin | 3.3867% | 4,288 |
| Noninterest income to average assets | 0.2089% | 5,682 |
| Noninterest expense to average assets | 1.5823% | 6,303 |
| Loan and lease loss provision to assets | 0.0696% | 2,955 |
| Net operating income to assets | 1.6044% | 746 |
| Return on assets (ROA) | 1.7622% | 565 |
| Pretax return on assets | 1.8318% | 831 |
| Return on Equity (ROE) | 12.7525% | 1,279 |
| Retained earnings to average equity (ytd only) | 6.7472% | 1,957 |
| Net charge-offs to loans | -0.0174% | 5,577 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6690% | 6,213 |
| Assets per employee ($millions) | 6.6450% | 947 |
| Cash dividends to net income (ytd only)* | 47.0913% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8901% | 176 |
| Loan loss allowance to noncurrent loans | 1,819.2308% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 5,850 |
| Noncurrent loans to loans | 0.2138% | 5,263 |
| Net loans and leases to total assets | 35.1723% | 6,061 |
| Net loans and leases to deposits | 41.3196% | 6,075 |
| Net loans and leases to core deposits | 44.0292% | 6,038 |
| Total domestic deposits to total assets | 85.1226% | 3,292 |
| Equity capital to assets | 14.8232% | 770 |
| Core capital (leverage) ratio | 14.8266% | 654 |
| Tier 1 risk-based capital ratio | 23.4368% | 1,055 |
| Total risk-based capital ratio | 24.6998% | 1,040 |
| Memoranda: | ||
| Average total assets | $68,927,250 | 5,375 |
| Average earning assets | $63,305,000 | 5,360 |
| Average equity | $9,524,750 | 4,895 |
| Average total loans | $22,994,000 | 5,915 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5584% | 5,265 |
| Cost of funding earning assets | 0.2040% | 5,875 |
| Net interest margin | 3.3545% | 4,382 |
| Noninterest income to average assets | 0.2007% | 5,757 |
| Noninterest expense to average assets | 1.5913% | 6,365 |
| Loan and lease loss provision to assets | 0.0688% | 2,894 |
| Net operating income to assets | 1.5457% | 800 |
| Return on assets (ROA) | 1.7576% | 549 |
| Pretax return on assets | 1.8264% | 804 |
| Return on Equity (ROE) | 13.0199% | 1,169 |
| Retained earnings to average equity (ytd only) | 6.0746% | 2,274 |
| Net charge-offs to loans | -0.0266% | 5,641 |
| Credit loss provision to net charge-offs | -800.0000% | 5,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7270% | 6,246 |
| Assets per employee ($millions) | 6.8019% | 873 |
| Cash dividends to net income (ytd only)* | 53.3442% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8998% | 186 |
| Loan loss allowance to noncurrent loans | 330.0353% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 4,760 |
| Noncurrent loans to loans | 1.1816% | 2,867 |
| Net loans and leases to total assets | 33.8376% | 6,156 |
| Net loans and leases to deposits | 39.8077% | 6,164 |
| Net loans and leases to core deposits | 42.5529% | 6,130 |
| Total domestic deposits to total assets | 85.0027% | 3,508 |
| Equity capital to assets | 14.2122% | 894 |
| Core capital (leverage) ratio | 14.3684% | 738 |
| Tier 1 risk-based capital ratio | 22.8479% | 1,134 |
| Total risk-based capital ratio | 24.1090% | 1,114 |
| Memoranda: | ||
| Average total assets | $69,753,000 | 5,398 |
| Average earning assets | $63,735,670 | 5,394 |
| Average equity | $9,416,330 | 4,929 |
| Average total loans | $22,552,670 | 5,976 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4195% | 5,605 |
| Cost of funding earning assets | 0.2164% | 5,873 |
| Net interest margin | 3.2031% | 4,912 |
| Noninterest income to average assets | 0.2266% | 5,541 |
| Noninterest expense to average assets | 1.6369% | 6,404 |
| Loan and lease loss provision to assets | 0.0680% | 2,767 |
| Net operating income to assets | 1.3993% | 987 |
| Return on assets (ROA) | 1.6766% | 616 |
| Pretax return on assets | 1.7445% | 889 |
| Return on Equity (ROE) | 12.7435% | 1,223 |
| Retained earnings to average equity (ytd only) | 6.9314% | 2,077 |
| Net charge-offs to loans | -0.0366% | 5,673 |
| Credit loss provision to net charge-offs | -600.0000% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7921% | 6,149 |
| Assets per employee ($millions) | 6.8413% | 866 |
| Cash dividends to net income (ytd only)* | 45.6081% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0023% | 188 |
| Loan loss allowance to noncurrent loans | 1,211.8421% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 5,921 |
| Noncurrent loans to loans | 0.3303% | 5,120 |
| Net loans and leases to total assets | 32.2906% | 6,254 |
| Net loans and leases to deposits | 37.5461% | 6,267 |
| Net loans and leases to core deposits | 40.0838% | 6,229 |
| Total domestic deposits to total assets | 86.0027% | 3,363 |
| Equity capital to assets | 13.9272% | 942 |
| Core capital (leverage) ratio | 13.5993% | 946 |
| Tier 1 risk-based capital ratio | 23.1012% | 1,130 |
| Total risk-based capital ratio | 24.3638% | 1,118 |
| Memoranda: | ||
| Average total assets | $70,620,000 | 5,420 |
| Average earning assets | $64,687,500 | 5,421 |
| Average equity | $9,291,000 | 4,976 |
| Average total loans | $21,854,000 | 6,055 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5624% | 5,502 |
| Cost of funding earning assets | 0.2345% | 6,062 |
| Net interest margin | 3.3279% | 4,565 |
| Noninterest income to average assets | 0.2277% | 5,713 |
| Noninterest expense to average assets | 1.8376% | 6,269 |
| Loan and lease loss provision to assets | 0.1051% | 3,039 |
| Net operating income to assets | 1.2708% | 1,330 |
| Return on assets (ROA) | 1.3633% | 1,150 |
| Pretax return on assets | 1.4260% | 1,700 |
| Return on Equity (ROE) | 9.8314% | 2,177 |
| Retained earnings to average equity (ytd only) | 5.3157% | 2,410 |
| Net charge-offs to loans | -0.0141% | 6,075 |
| Credit loss provision to net charge-offs | -2,400.0000% | 6,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1552% | 5,936 |
| Assets per employee ($millions) | 7.2827% | 661 |
| Cash dividends to net income (ytd only)* | 45.9315% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3825% | 150 |
| Loan loss allowance to noncurrent loans | 2,325.6410% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 6,208 |
| Noncurrent loans to loans | 0.1884% | 5,632 |
| Net loans and leases to total assets | 27.1726% | 6,543 |
| Net loans and leases to deposits | 31.0445% | 6,561 |
| Net loans and leases to core deposits | 32.6961% | 6,545 |
| Total domestic deposits to total assets | 87.5280% | 2,460 |
| Equity capital to assets | 12.4322% | 1,546 |
| Core capital (leverage) ratio | 14.3481% | 732 |
| Tier 1 risk-based capital ratio | 23.6565% | 995 |
| Total risk-based capital ratio | 24.9186% | 978 |
| Memoranda: | ||
| Average total assets | $68,512,000 | 5,526 |
| Average earning assets | $62,682,400 | 5,516 |
| Average equity | $9,500,200 | 4,976 |
| Average total loans | $21,333,200 | 6,136 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6423% | 5,325 |
| Cost of funding earning assets | 0.2456% | 6,118 |
| Net interest margin | 3.3968% | 4,303 |
| Noninterest income to average assets | 0.2471% | 5,664 |
| Noninterest expense to average assets | 1.5620% | 6,591 |
| Loan and lease loss provision to assets | 0.1068% | 2,980 |
| Net operating income to assets | 1.6373% | 704 |
| Return on assets (ROA) | 1.7835% | 566 |
| Pretax return on assets | 1.8487% | 804 |
| Return on Equity (ROE) | 12.5122% | 1,352 |
| Retained earnings to average equity (ytd only) | 6.5612% | 2,100 |
| Net charge-offs to loans | -0.0124% | 5,933 |
| Credit loss provision to net charge-offs | -2,700.0000% | 6,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4160% | 6,573 |
| Assets per employee ($millions) | 6.4173% | 963 |
| Cash dividends to net income (ytd only)* | 47.5612% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5875% | 154 |
| Loan loss allowance to noncurrent loans | 2,276.9231% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 6,266 |
| Noncurrent loans to loans | 0.2015% | 5,734 |
| Net loans and leases to total assets | 28.7800% | 6,572 |
| Net loans and leases to deposits | 33.4492% | 6,583 |
| Net loans and leases to core deposits | 35.3467% | 6,582 |
| Total domestic deposits to total assets | 86.0409% | 3,228 |
| Equity capital to assets | 13.9202% | 987 |
| Core capital (leverage) ratio | 14.4263% | 753 |
| Tier 1 risk-based capital ratio | 24.8798% | 888 |
| Total risk-based capital ratio | 26.1446% | 873 |
| Memoranda: | ||
| Average total assets | $67,433,250 | 5,613 |
| Average earning assets | $61,900,250 | 5,596 |
| Average equity | $9,611,750 | 4,999 |
| Average total loans | $21,492,500 | 6,200 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6103% | 5,404 |
| Cost of funding earning assets | 0.2534% | 6,152 |
| Net interest margin | 3.3569% | 4,351 |
| Noninterest income to average assets | 0.2685% | 5,532 |
| Noninterest expense to average assets | 1.4945% | 6,675 |
| Loan and lease loss provision to assets | 0.1051% | 3,034 |
| Net operating income to assets | 1.7062% | 615 |
| Return on assets (ROA) | 1.9469% | 422 |
| Pretax return on assets | 2.0111% | 594 |
| Return on Equity (ROE) | 13.5597% | 1,116 |
| Retained earnings to average equity (ytd only) | 6.9120% | 1,923 |
| Net charge-offs to loans | -0.0090% | 5,748 |
| Credit loss provision to net charge-offs | -3,600.0000% | 6,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4444% | 6,699 |
| Assets per employee ($millions) | 6.4614% | 919 |
| Cash dividends to net income (ytd only)* | 49.0255% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9280% | 271 |
| Loan loss allowance to noncurrent loans | 12,414.2857% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 6,520 |
| Noncurrent loans to loans | 0.0316% | 6,312 |
| Net loans and leases to total assets | 32.8938% | 6,463 |
| Net loans and leases to deposits | 38.5155% | 6,465 |
| Net loans and leases to core deposits | 40.5031% | 6,451 |
| Total domestic deposits to total assets | 85.4041% | 3,693 |
| Equity capital to assets | 14.5154% | 819 |
| Core capital (leverage) ratio | 13.7919% | 883 |
| Tier 1 risk-based capital ratio | 23.0288% | 1,128 |
| Total risk-based capital ratio | 24.2896% | 1,113 |
| Memoranda: | ||
| Average total assets | $68,520,000 | 5,618 |
| Average earning assets | $63,153,330 | 5,590 |
| Average equity | $9,838,000 | 4,979 |
| Average total loans | $22,204,330 | 6,212 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4923% | 5,723 |
| Cost of funding earning assets | 0.2667% | 6,181 |
| Net interest margin | 3.2256% | 4,824 |
| Noninterest income to average assets | 0.1987% | 6,052 |
| Noninterest expense to average assets | 1.4928% | 6,749 |
| Loan and lease loss provision to assets | 0.1022% | 2,972 |
| Net operating income to assets | 1.4928% | 870 |
| Return on assets (ROA) | 1.4928% | 943 |
| Pretax return on assets | 1.5552% | 1,412 |
| Return on Equity (ROE) | 10.4495% | 1,894 |
| Retained earnings to average equity (ytd only) | 5.0857% | 3,183 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3874% | 6,634 |
| Assets per employee ($millions) | 6.7394% | 873 |
| Cash dividends to net income (ytd only)* | 51.3308% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7318% | 346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 32.5355% | 6,486 |
| Net loans and leases to deposits | 39.0327% | 6,458 |
| Net loans and leases to core deposits | 41.0057% | 6,440 |
| Total domestic deposits to total assets | 83.3546% | 4,730 |
| Equity capital to assets | 15.0088% | 755 |
| Core capital (leverage) ratio | 13.2409% | 1,030 |
| Tier 1 risk-based capital ratio | 22.0825% | 1,317 |
| Total risk-based capital ratio | 23.3426% | 1,286 |
| Memoranda: | ||
| Average total assets | $70,473,000 | 5,614 |
| Average earning assets | $64,484,000 | 5,598 |
| Average equity | $10,067,500 | 4,971 |
| Average total loans | $22,245,000 | 6,261 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8358% | 5,750 |
| Cost of funding earning assets | 0.3604% | 6,159 |
| Net interest margin | 3.4753% | 4,602 |
| Noninterest income to average assets | 0.1990% | 5,999 |
| Noninterest expense to average assets | 1.9193% | 6,468 |
| Loan and lease loss provision to assets | 0.1111% | 4,241 |
| Net operating income to assets | 1.3028% | 1,289 |
| Return on assets (ROA) | 1.4611% | 1,101 |
| Pretax return on assets | 1.5336% | 1,579 |
| Return on Equity (ROE) | 9.6175% | 2,352 |
| Retained earnings to average equity (ytd only) | 5.7482% | 2,220 |
| Net charge-offs to loans | -0.0139% | 6,512 |
| Credit loss provision to net charge-offs | -2,400.0000% | 6,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4941% | 6,007 |
| Assets per employee ($millions) | 7.3552% | 665 |
| Cash dividends to net income (ytd only)* | 40.2323% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8318% | 319 |
| Loan loss allowance to noncurrent loans | 1,053.1646% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 6,317 |
| Noncurrent loans to loans | 0.3638% | 5,577 |
| Net loans and leases to total assets | 28.3894% | 6,751 |
| Net loans and leases to deposits | 32.9213% | 6,761 |
| Net loans and leases to core deposits | 34.3816% | 6,761 |
| Total domestic deposits to total assets | 86.2342% | 3,235 |
| Equity capital to assets | 13.6230% | 1,181 |
| Core capital (leverage) ratio | 13.7285% | 878 |
| Tier 1 risk-based capital ratio | 21.4764% | 1,365 |
| Total risk-based capital ratio | 22.7368% | 1,334 |
| Memoranda: | ||
| Average total assets | $64,814,600 | 5,791 |
| Average earning assets | $59,649,000 | 5,756 |
| Average equity | $9,846,600 | 5,008 |
| Average total loans | $21,621,800 | 6,354 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9717% | 5,595 |
| Cost of funding earning assets | 0.3790% | 6,236 |
| Net interest margin | 3.5926% | 4,267 |
| Noninterest income to average assets | 0.1937% | 6,140 |
| Noninterest expense to average assets | 1.7031% | 6,786 |
| Loan and lease loss provision to assets | 0.1150% | 4,129 |
| Net operating income to assets | 1.6399% | 778 |
| Return on assets (ROA) | 1.8606% | 576 |
| Pretax return on assets | 1.9351% | 804 |
| Return on Equity (ROE) | 11.8869% | 1,671 |
| Retained earnings to average equity (ytd only) | 6.7051% | 2,277 |
| Net charge-offs to loans | -0.0185% | 6,483 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3384% | 6,699 |
| Assets per employee ($millions) | 6.1561% | 1,156 |
| Cash dividends to net income (ytd only)* | 43.5931% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9144% | 332 |
| Loan loss allowance to noncurrent loans | 1,271.8750% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 6,465 |
| Noncurrent loans to loans | 0.3078% | 5,870 |
| Net loans and leases to total assets | 32.4572% | 6,729 |
| Net loans and leases to deposits | 39.2662% | 6,708 |
| Net loans and leases to core deposits | 41.0591% | 6,702 |
| Total domestic deposits to total assets | 82.6595% | 4,774 |
| Equity capital to assets | 16.3529% | 550 |
| Core capital (leverage) ratio | 13.9826% | 840 |
| Tier 1 risk-based capital ratio | 24.1906% | 997 |
| Total risk-based capital ratio | 25.4529% | 973 |
| Memoranda: | ||
| Average total assets | $62,630,250 | 5,928 |
| Average earning assets | $58,043,000 | 5,880 |
| Average equity | $9,803,250 | 5,072 |
| Average total loans | $21,599,000 | 6,440 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9893% | 5,674 |
| Cost of funding earning assets | 0.4017% | 6,257 |
| Net interest margin | 3.5876% | 4,313 |
| Noninterest income to average assets | 0.2064% | 6,085 |
| Noninterest expense to average assets | 1.6638% | 6,872 |
| Loan and lease loss provision to assets | 0.1143% | 4,102 |
| Net operating income to assets | 1.6777% | 705 |
| Return on assets (ROA) | 1.9337% | 502 |
| Pretax return on assets | 2.0131% | 685 |
| Return on Equity (ROE) | 12.5369% | 1,489 |
| Retained earnings to average equity (ytd only) | 6.6699% | 2,292 |
| Net charge-offs to loans | -0.0183% | 6,409 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2072% | 6,819 |
| Assets per employee ($millions) | 6.2289% | 1,105 |
| Cash dividends to net income (ytd only)* | 46.7980% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5244% | 487 |
| Loan loss allowance to noncurrent loans | 913.7931% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 6,439 |
| Noncurrent loans to loans | 0.3857% | 5,761 |
| Net loans and leases to total assets | 34.9371% | 6,672 |
| Net loans and leases to deposits | 42.1205% | 6,638 |
| Net loans and leases to core deposits | 43.9494% | 6,663 |
| Total domestic deposits to total assets | 82.9456% | 4,777 |
| Equity capital to assets | 16.0542% | 572 |
| Core capital (leverage) ratio | 13.6542% | 918 |
| Tier 1 risk-based capital ratio | 22.5136% | 1,195 |
| Total risk-based capital ratio | 23.7749% | 1,181 |
| Memoranda: | ||
| Average total assets | $62,986,670 | 5,949 |
| Average earning assets | $58,255,670 | 5,898 |
| Average equity | $9,715,330 | 5,103 |
| Average total loans | $21,867,000 | 6,477 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9164% | 5,981 |
| Cost of funding earning assets | 0.4162% | 6,334 |
| Net interest margin | 3.5002% | 4,698 |
| Noninterest income to average assets | 0.1895% | 6,244 |
| Noninterest expense to average assets | 1.7810% | 6,817 |
| Loan and lease loss provision to assets | 0.1137% | 3,932 |
| Net operating income to assets | 1.4715% | 1,078 |
| Return on assets (ROA) | 1.4715% | 1,204 |
| Pretax return on assets | 1.5347% | 1,786 |
| Return on Equity (ROE) | 9.7357% | 2,502 |
| Retained earnings to average equity (ytd only) | 5.0977% | 3,497 |
| Net charge-offs to loans | -0.0186% | 6,160 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9337% | 6,549 |
| Assets per employee ($millions) | 6.1575% | 1,183 |
| Cash dividends to net income (ytd only)* | 47.6395% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6026% | 497 |
| Loan loss allowance to noncurrent loans | 38,800.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 6,941 |
| Noncurrent loans to loans | 0.0093% | 6,768 |
| Net loans and leases to total assets | 33.7215% | 6,758 |
| Net loans and leases to deposits | 40.1066% | 6,728 |
| Net loans and leases to core deposits | 41.8410% | 6,757 |
| Total domestic deposits to total assets | 84.0796% | 4,448 |
| Equity capital to assets | 15.7223% | 617 |
| Core capital (leverage) ratio | 13.1184% | 1,082 |
| Tier 1 risk-based capital ratio | 22.5147% | 1,204 |
| Total risk-based capital ratio | 23.7742% | 1,182 |
| Memoranda: | ||
| Average total assets | $63,335,500 | 5,973 |
| Average earning assets | $58,626,000 | 5,917 |
| Average equity | $9,573,000 | 5,152 |
| Average total loans | $21,522,000 | 6,536 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4112% | 5,375 |
| Cost of funding earning assets | 0.5498% | 6,338 |
| Net interest margin | 3.8614% | 3,511 |
| Noninterest income to average assets | 0.2352% | 5,853 |
| Noninterest expense to average assets | 2.1121% | 6,469 |
| Loan and lease loss provision to assets | 0.1219% | 5,081 |
| Net operating income to assets | 1.4643% | 895 |
| Return on assets (ROA) | 1.4741% | 956 |
| Pretax return on assets | 1.5418% | 1,360 |
| Return on Equity (ROE) | 9.9509% | 2,076 |
| Retained earnings to average equity (ytd only) | 5.5981% | 2,241 |
| Net charge-offs to loans | 0.0319% | 6,003 |
| Credit loss provision to net charge-offs | 1,028.5714% | 220 |
| Earnings coverage of net charge-offs (x) | 139.5714% | 241 |
| Efficiency ratio | 56.0899% | 6,305 |
| Assets per employee ($millions) | 6.5096% | 953 |
| Cash dividends to net income (ytd only)* | 43.7428% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5203% | 522 |
| Loan loss allowance to noncurrent loans | 2,911.5385% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 6,870 |
| Noncurrent loans to loans | 0.1209% | 6,507 |
| Net loans and leases to total assets | 31.8714% | 6,945 |
| Net loans and leases to deposits | 37.3732% | 6,967 |
| Net loans and leases to core deposits | 38.5460% | 6,985 |
| Total domestic deposits to total assets | 85.2787% | 3,702 |
| Equity capital to assets | 14.5401% | 880 |
| Core capital (leverage) ratio | 13.7050% | 899 |
| Tier 1 risk-based capital ratio | 22.5185% | 1,161 |
| Total risk-based capital ratio | 23.7777% | 1,137 |
| Memoranda: | ||
| Average total assets | $59,087,400 | 6,071 |
| Average earning assets | $54,021,600 | 6,046 |
| Average equity | $8,753,000 | 5,348 |
| Average total loans | $21,939,200 | 6,559 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5730% | 4,990 |
| Cost of funding earning assets | 0.6038% | 6,272 |
| Net interest margin | 3.9692% | 3,055 |
| Noninterest income to average assets | 0.2570% | 5,787 |
| Noninterest expense to average assets | 1.8384% | 6,940 |
| Loan and lease loss provision to assets | 0.1250% | 4,865 |
| Net operating income to assets | 1.8320% | 488 |
| Return on assets (ROA) | 1.8453% | 510 |
| Pretax return on assets | 1.9148% | 753 |
| Return on Equity (ROE) | 12.3923% | 1,439 |
| Retained earnings to average equity (ytd only) | 6.4682% | 2,256 |
| Net charge-offs to loans | -0.0242% | 6,944 |
| Credit loss provision to net charge-offs | -1,350.0000% | 6,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5734% | 6,982 |
| Assets per employee ($millions) | 5.7522% | 1,393 |
| Cash dividends to net income (ytd only)* | 47.8045% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6253% | 510 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 6,917 |
| Noncurrent loans to loans | 0.1450% | 6,582 |
| Net loans and leases to total assets | 34.6615% | 6,924 |
| Net loans and leases to deposits | 41.5956% | 6,928 |
| Net loans and leases to core deposits | 43.7996% | 6,927 |
| Total domestic deposits to total assets | 83.3299% | 4,547 |
| Equity capital to assets | 16.4563% | 554 |
| Core capital (leverage) ratio | 14.0687% | 887 |
| Tier 1 risk-based capital ratio | 23.5851% | 1,060 |
| Total risk-based capital ratio | 24.8466% | 1,042 |
| Memoranda: | ||
| Average total assets | $57,585,250 | 6,162 |
| Average earning assets | $52,334,500 | 6,156 |
| Average equity | $8,575,000 | 5,418 |
| Average total loans | $22,048,000 | 6,617 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 4,980 |
| Cost of funding earning assets | 0.6374% | 6,289 |
| Net interest margin | 3.9577% | 3,051 |
| Noninterest income to average assets | 0.2534% | 5,837 |
| Noninterest expense to average assets | 1.8609% | 6,995 |
| Loan and lease loss provision to assets | 0.1250% | 4,726 |
| Net operating income to assets | 1.7990% | 505 |
| Return on assets (ROA) | 1.8123% | 521 |
| Pretax return on assets | 1.8817% | 741 |
| Return on Equity (ROE) | 12.6117% | 1,305 |
| Retained earnings to average equity (ytd only) | 5.7260% | 2,577 |
| Net charge-offs to loans | -0.0267% | 6,892 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2883% | 7,045 |
| Assets per employee ($millions) | 5.6840% | 1,409 |
| Cash dividends to net income (ytd only)* | 54.5977% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2105% | 756 |
| Loan loss allowance to noncurrent loans | 961.8421% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 6,753 |
| Noncurrent loans to loans | 0.3338% | 6,248 |
| Net loans and leases to total assets | 38.7720% | 6,815 |
| Net loans and leases to deposits | 46.0026% | 6,831 |
| Net loans and leases to core deposits | 48.1663% | 6,850 |
| Total domestic deposits to total assets | 84.2822% | 4,220 |
| Equity capital to assets | 15.5155% | 697 |
| Core capital (leverage) ratio | 13.8842% | 895 |
| Tier 1 risk-based capital ratio | 22.3346% | 1,208 |
| Total risk-based capital ratio | 23.5952% | 1,178 |
| Memoranda: | ||
| Average total assets | $57,606,330 | 6,218 |
| Average earning assets | $52,404,000 | 6,211 |
| Average equity | $8,278,000 | 5,529 |
| Average total loans | $22,501,330 | 6,661 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5137% | 5,293 |
| Cost of funding earning assets | 0.6729% | 6,282 |
| Net interest margin | 3.8408% | 3,414 |
| Noninterest income to average assets | 0.3242% | 5,328 |
| Noninterest expense to average assets | 1.8969% | 6,991 |
| Loan and lease loss provision to assets | 0.1242% | 4,447 |
| Net operating income to assets | 1.7313% | 553 |
| Return on assets (ROA) | 1.7313% | 582 |
| Pretax return on assets | 1.8072% | 803 |
| Return on Equity (ROE) | 12.5382% | 1,315 |
| Retained earnings to average equity (ytd only) | 6.9934% | 2,145 |
| Net charge-offs to loans | -0.0536% | 6,906 |
| Credit loss provision to net charge-offs | -600.0000% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5495% | 7,021 |
| Assets per employee ($millions) | 5.6642% | 1,439 |
| Cash dividends to net income (ytd only)* | 44.2231% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1422% | 813 |
| Loan loss allowance to noncurrent loans | 1,273.2143% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 6,915 |
| Noncurrent loans to loans | 0.2468% | 6,492 |
| Net loans and leases to total assets | 38.8016% | 6,855 |
| Net loans and leases to deposits | 45.4579% | 6,886 |
| Net loans and leases to core deposits | 47.3919% | 6,905 |
| Total domestic deposits to total assets | 85.3572% | 3,859 |
| Equity capital to assets | 14.5581% | 864 |
| Core capital (leverage) ratio | 13.3616% | 1,006 |
| Tier 1 risk-based capital ratio | 21.6665% | 1,286 |
| Total risk-based capital ratio | 22.9265% | 1,259 |
| Memoranda: | ||
| Average total assets | $57,989,500 | 6,259 |
| Average earning assets | $52,906,000 | 6,238 |
| Average equity | $8,007,500 | 5,601 |
| Average total loans | $22,367,500 | 6,720 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7939% | 5,435 |
| Cost of funding earning assets | 0.7929% | 6,597 |
| Net interest margin | 4.0011% | 3,015 |
| Noninterest income to average assets | 0.2859% | 5,738 |
| Noninterest expense to average assets | 2.1852% | 6,655 |
| Loan and lease loss provision to assets | 0.1337% | 5,838 |
| Net operating income to assets | 1.5397% | 703 |
| Return on assets (ROA) | 1.6412% | 626 |
| Pretax return on assets | 1.7081% | 925 |
| Return on Equity (ROE) | 11.0655% | 1,566 |
| Retained earnings to average equity (ytd only) | 6.4090% | 1,614 |
| Net charge-offs to loans | 0.0505% | 6,293 |
| Credit loss provision to net charge-offs | 654.5455% | 323 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 286 |
| Efficiency ratio | 55.7292% | 6,627 |
| Assets per employee ($millions) | 5.9337% | 1,253 |
| Cash dividends to net income (ytd only)* | 42.0814% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1392% | 773 |
| Loan loss allowance to noncurrent loans | 1,730.0000% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 6,942 |
| Noncurrent loans to loans | 0.1815% | 6,704 |
| Net loans and leases to total assets | 35.9843% | 7,155 |
| Net loans and leases to deposits | 41.4811% | 7,208 |
| Net loans and leases to core deposits | 43.4116% | 7,222 |
| Total domestic deposits to total assets | 86.7486% | 2,948 |
| Equity capital to assets | 13.0930% | 1,351 |
| Core capital (leverage) ratio | 13.7278% | 921 |
| Tier 1 risk-based capital ratio | 21.6192% | 1,229 |
| Total risk-based capital ratio | 22.8768% | 1,203 |
| Memoranda: | ||
| Average total assets | $53,861,400 | 6,406 |
| Average earning assets | $48,937,000 | 6,407 |
| Average equity | $7,988,800 | 5,715 |
| Average total loans | $21,780,000 | 6,836 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9194% | 5,177 |
| Cost of funding earning assets | 0.8343% | 6,639 |
| Net interest margin | 4.0851% | 2,688 |
| Noninterest income to average assets | 0.2870% | 5,820 |
| Noninterest expense to average assets | 1.9558% | 7,123 |
| Loan and lease loss provision to assets | 0.1372% | 5,655 |
| Net operating income to assets | 1.8484% | 451 |
| Return on assets (ROA) | 1.9888% | 372 |
| Pretax return on assets | 2.0574% | 551 |
| Return on Equity (ROE) | 12.9786% | 1,256 |
| Retained earnings to average equity (ytd only) | 6.8126% | 1,938 |
| Net charge-offs to loans | -0.0798% | 7,523 |
| Credit loss provision to net charge-offs | -415.3846% | 7,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8269% | 7,224 |
| Assets per employee ($millions) | 5.4221% | 1,698 |
| Cash dividends to net income (ytd only)* | 47.5100% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2844% | 649 |
| Loan loss allowance to noncurrent loans | 318.7215% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 6,410 |
| Noncurrent loans to loans | 1.0305% | 5,180 |
| Net loans and leases to total assets | 37.9078% | 7,186 |
| Net loans and leases to deposits | 45.0914% | 7,200 |
| Net loans and leases to core deposits | 47.1444% | 7,228 |
| Total domestic deposits to total assets | 84.0689% | 4,085 |
| Equity capital to assets | 15.7909% | 712 |
| Core capital (leverage) ratio | 14.3055% | 859 |
| Tier 1 risk-based capital ratio | 23.0463% | 1,061 |
| Total risk-based capital ratio | 24.3080% | 1,030 |
| Memoranda: | ||
| Average total assets | $52,492,500 | 6,519 |
| Average earning assets | $47,782,000 | 6,517 |
| Average equity | $8,043,750 | 5,773 |
| Average total loans | $21,714,000 | 6,928 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9084% | 5,352 |
| Cost of funding earning assets | 0.8620% | 6,721 |
| Net interest margin | 4.0464% | 2,808 |
| Noninterest income to average assets | 0.2928% | 5,807 |
| Noninterest expense to average assets | 1.9647% | 7,164 |
| Loan and lease loss provision to assets | 0.1387% | 5,508 |
| Net operating income to assets | 1.8519% | 446 |
| Return on assets (ROA) | 2.0649% | 321 |
| Pretax return on assets | 2.1342% | 458 |
| Return on Equity (ROE) | 13.6196% | 1,114 |
| Retained earnings to average equity (ytd only) | 6.6065% | 2,016 |
| Net charge-offs to loans | -0.1189% | 7,579 |
| Credit loss provision to net charge-offs | -276.9231% | 6,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8974% | 7,297 |
| Assets per employee ($millions) | 5.1381% | 2,003 |
| Cash dividends to net income (ytd only)* | 51.4925% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0090% | 814 |
| Loan loss allowance to noncurrent loans | 430.3797% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 6,637 |
| Noncurrent loans to loans | 0.6991% | 5,843 |
| Net loans and leases to total assets | 42.6597% | 6,999 |
| Net loans and leases to deposits | 50.6880% | 7,040 |
| Net loans and leases to core deposits | 52.0728% | 7,133 |
| Total domestic deposits to total assets | 84.1615% | 4,034 |
| Equity capital to assets | 15.5992% | 751 |
| Core capital (leverage) ratio | 14.3981% | 836 |
| Tier 1 risk-based capital ratio | 22.4246% | 1,135 |
| Total risk-based capital ratio | 23.6831% | 1,111 |
| Memoranda: | ||
| Average total assets | $51,916,330 | 6,588 |
| Average earning assets | $47,795,670 | 6,554 |
| Average equity | $7,871,000 | 5,848 |
| Average total loans | $21,868,000 | 6,969 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7806% | 5,966 |
| Cost of funding earning assets | 0.8835% | 6,832 |
| Net interest margin | 3.8971% | 3,342 |
| Noninterest income to average assets | 0.3449% | 5,382 |
| Noninterest expense to average assets | 2.0313% | 7,102 |
| Loan and lease loss provision to assets | 0.1380% | 5,177 |
| Net operating income to assets | 1.7247% | 584 |
| Return on assets (ROA) | 1.7247% | 637 |
| Pretax return on assets | 1.7937% | 887 |
| Return on Equity (ROE) | 11.5399% | 1,628 |
| Retained earnings to average equity (ytd only) | 6.3085% | 2,464 |
| Net charge-offs to loans | -0.0186% | 7,058 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2573% | 7,214 |
| Assets per employee ($millions) | 5.0942% | 2,102 |
| Cash dividends to net income (ytd only)* | 45.3333% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0747% | 769 |
| Loan loss allowance to noncurrent loans | 419.3548% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 6,717 |
| Noncurrent loans to loans | 0.7332% | 5,855 |
| Net loans and leases to total assets | 40.2222% | 7,238 |
| Net loans and leases to deposits | 47.8079% | 7,244 |
| Net loans and leases to core deposits | 49.1190% | 7,318 |
| Total domestic deposits to total assets | 84.1329% | 4,085 |
| Equity capital to assets | 15.5981% | 746 |
| Core capital (leverage) ratio | 13.9391% | 975 |
| Tier 1 risk-based capital ratio | 22.9718% | 1,086 |
| Total risk-based capital ratio | 24.2317% | 1,056 |
| Memoranda: | ||
| Average total assets | $52,184,000 | 6,661 |
| Average earning assets | $48,446,000 | 6,612 |
| Average equity | $7,799,000 | 5,912 |
| Average total loans | $21,502,500 | 7,076 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1464% | 5,893 |
| Cost of funding earning assets | 0.9781% | 7,244 |
| Net interest margin | 4.1683% | 2,191 |
| Noninterest income to average assets | 0.2506% | 6,313 |
| Noninterest expense to average assets | 2.4589% | 6,277 |
| Loan and lease loss provision to assets | 0.1479% | 6,184 |
| Net operating income to assets | 1.3708% | 895 |
| Return on assets (ROA) | 1.4852% | 755 |
| Pretax return on assets | 1.5448% | 1,086 |
| Return on Equity (ROE) | 9.7487% | 1,762 |
| Retained earnings to average equity (ytd only) | 4.7328% | 1,957 |
| Net charge-offs to loans | 0.0401% | 6,711 |
| Credit loss provision to net charge-offs | 900.0000% | 326 |
| Earnings coverage of net charge-offs (x) | 95.7500% | 290 |
| Efficiency ratio | 60.9781% | 6,335 |
| Assets per employee ($millions) | 4.8569% | 2,397 |
| Cash dividends to net income (ytd only)* | 51.4523% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8813% | 857 |
| Loan loss allowance to noncurrent loans | 913.0435% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 7,156 |
| Noncurrent loans to loans | 0.3156% | 6,649 |
| Net loans and leases to total assets | 39.7466% | 7,363 |
| Net loans and leases to deposits | 46.5231% | 7,417 |
| Net loans and leases to core deposits | 53.0477% | 7,502 |
| Total domestic deposits to total assets | 85.4341% | 3,333 |
| Equity capital to assets | 14.3226% | 1,071 |
| Core capital (leverage) ratio | 14.6383% | 853 |
| Tier 1 risk-based capital ratio | 22.0291% | 1,145 |
| Total risk-based capital ratio | 23.2885% | 1,120 |
| Memoranda: | ||
| Average total assets | $48,680,000 | 6,761 |
| Average earning assets | $44,166,800 | 6,755 |
| Average equity | $7,416,400 | 6,120 |
| Average total loans | $19,938,400 | 7,195 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2731% | 5,554 |
| Cost of funding earning assets | 1.0155% | 7,358 |
| Net interest margin | 4.2576% | 1,851 |
| Noninterest income to average assets | 0.2386% | 6,520 |
| Noninterest expense to average assets | 2.1813% | 7,024 |
| Loan and lease loss provision to assets | 0.1516% | 5,834 |
| Net operating income to assets | 1.6937% | 570 |
| Return on assets (ROA) | 1.8500% | 425 |
| Pretax return on assets | 1.9174% | 637 |
| Return on Equity (ROE) | 11.9421% | 1,370 |
| Retained earnings to average equity (ytd only) | 5.2010% | 2,370 |
| Net charge-offs to loans | -0.0137% | 7,719 |
| Credit loss provision to net charge-offs | -2,700.0000% | 7,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3654% | 7,300 |
| Assets per employee ($millions) | 4.2523% | 3,285 |
| Cash dividends to net income (ytd only)* | 56.4497% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1133% | 606 |
| Loan loss allowance to noncurrent loans | 788.6076% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 7,112 |
| Noncurrent loans to loans | 0.3948% | 6,552 |
| Net loans and leases to total assets | 41.4495% | 7,395 |
| Net loans and leases to deposits | 49.7933% | 7,419 |
| Net loans and leases to core deposits | 57.6184% | 7,484 |
| Total domestic deposits to total assets | 83.2432% | 4,090 |
| Equity capital to assets | 16.4725% | 712 |
| Core capital (leverage) ratio | 14.9672% | 866 |
| Tier 1 risk-based capital ratio | 24.1933% | 984 |
| Total risk-based capital ratio | 25.4536% | 958 |
| Memoranda: | ||
| Average total assets | $47,493,500 | 6,855 |
| Average earning assets | $42,933,750 | 6,868 |
| Average equity | $7,357,500 | 6,201 |
| Average total loans | $19,456,750 | 7,292 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2927% | 5,684 |
| Cost of funding earning assets | 1.0269% | 7,498 |
| Net interest margin | 4.2658% | 1,760 |
| Noninterest income to average assets | 0.2472% | 6,512 |
| Noninterest expense to average assets | 2.0908% | 7,294 |
| Loan and lease loss provision to assets | 0.1508% | 5,564 |
| Net operating income to assets | 1.8028% | 462 |
| Return on assets (ROA) | 1.9735% | 347 |
| Pretax return on assets | 2.0279% | 524 |
| Return on Equity (ROE) | 13.0080% | 1,179 |
| Retained earnings to average equity (ytd only) | 5.3855% | 2,296 |
| Net charge-offs to loans | -0.0311% | 7,784 |
| Credit loss provision to net charge-offs | -1,200.0000% | 7,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0747% | 7,589 |
| Assets per employee ($millions) | 4.2200% | 3,256 |
| Cash dividends to net income (ytd only)* | 58.5987% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0381% | 552 |
| Loan loss allowance to noncurrent loans | 1,375.0000% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 7,344 |
| Noncurrent loans to loans | 0.2210% | 6,957 |
| Net loans and leases to total assets | 41.5963% | 7,473 |
| Net loans and leases to deposits | 49.4051% | 7,511 |
| Net loans and leases to core deposits | 55.9811% | 7,589 |
| Total domestic deposits to total assets | 84.1943% | 3,649 |
| Equity capital to assets | 15.5752% | 909 |
| Core capital (leverage) ratio | 15.0071% | 919 |
| Tier 1 risk-based capital ratio | 24.0603% | 1,029 |
| Total risk-based capital ratio | 25.3200% | 1,006 |
| Memoranda: | ||
| Average total assets | $47,733,000 | 6,913 |
| Average earning assets | $43,040,330 | 6,926 |
| Average equity | $7,241,670 | 6,287 |
| Average total loans | $19,272,000 | 7,377 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2275% | 6,195 |
| Cost of funding earning assets | 1.0711% | 7,562 |
| Net interest margin | 4.1564% | 2,067 |
| Noninterest income to average assets | 0.2893% | 6,124 |
| Noninterest expense to average assets | 2.1492% | 7,012 |
| Loan and lease loss provision to assets | 0.1488% | 5,035 |
| Net operating income to assets | 1.7028% | 641 |
| Return on assets (ROA) | 1.7028% | 707 |
| Pretax return on assets | 1.7442% | 1,090 |
| Return on Equity (ROE) | 11.3694% | 1,855 |
| Retained earnings to average equity (ytd only) | 5.7399% | 2,760 |
| Net charge-offs to loans | -0.1055% | 7,890 |
| Credit loss provision to net charge-offs | -360.0000% | 6,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1697% | 7,303 |
| Assets per employee ($millions) | 4.2123% | 3,241 |
| Cash dividends to net income (ytd only)* | 49.5146% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1406% | 430 |
| Loan loss allowance to noncurrent loans | 4,916.6667% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 7,548 |
| Noncurrent loans to loans | 0.0639% | 7,346 |
| Net loans and leases to total assets | 39.2705% | 7,602 |
| Net loans and leases to deposits | 46.8269% | 7,630 |
| Net loans and leases to core deposits | 52.7589% | 7,706 |
| Total domestic deposits to total assets | 83.8632% | 3,769 |
| Equity capital to assets | 15.8476% | 900 |
| Core capital (leverage) ratio | 14.4451% | 1,098 |
| Tier 1 risk-based capital ratio | 24.7640% | 1,003 |
| Total risk-based capital ratio | 26.0238% | 976 |
| Memoranda: | ||
| Average total assets | $48,389,500 | 6,932 |
| Average earning assets | $43,692,000 | 6,948 |
| Average equity | $7,247,500 | 6,319 |
| Average total loans | $18,951,000 | 7,441 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7426% | 6,627 |
| Cost of funding earning assets | 1.5055% | 7,602 |
| Net interest margin | 4.2371% | 2,170 |
| Noninterest income to average assets | 0.2045% | 6,981 |
| Noninterest expense to average assets | 2.2766% | 6,769 |
| Loan and lease loss provision to assets | 0.1265% | 5,747 |
| Net operating income to assets | 1.6031% | 834 |
| Return on assets (ROA) | 1.6294% | 750 |
| Pretax return on assets | 1.6969% | 1,151 |
| Return on Equity (ROE) | 11.4025% | 1,792 |
| Retained earnings to average equity (ytd only) | 5.5611% | 1,737 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9006% | 7,026 |
| Assets per employee ($millions) | 4.5858% | 2,492 |
| Cash dividends to net income (ytd only)* | 51.2290% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9661% | 450 |
| Loan loss allowance to noncurrent loans | 8,100.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 7,556 |
| Noncurrent loans to loans | 0.0366% | 7,359 |
| Net loans and leases to total assets | 36.7715% | 7,804 |
| Net loans and leases to deposits | 42.9813% | 7,877 |
| Net loans and leases to core deposits | 48.3110% | 7,920 |
| Total domestic deposits to total assets | 85.5523% | 2,606 |
| Equity capital to assets | 14.1781% | 1,380 |
| Core capital (leverage) ratio | 14.5355% | 1,135 |
| Tier 1 risk-based capital ratio | 23.4296% | 1,144 |
| Total risk-based capital ratio | 24.6873% | 1,116 |
| Memoranda: | ||
| Average total assets | $47,439,800 | 6,885 |
| Average earning assets | $43,308,000 | 6,884 |
| Average equity | $6,779,200 | 6,537 |
| Average total loans | $20,109,800 | 7,330 |