Home > The First State Bank of Ransom > Performance and Condition Ratios
The First State Bank of Ransom, 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 | 4.1331% | 4,204 |
| Cost of funding earning assets | 1.8039% | 2,715 |
| Net interest margin | 2.3292% | 4,056 |
| Noninterest income to average assets | 0.3000% | 3,060 |
| Noninterest expense to average assets | 1.8272% | 3,916 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.5505% | 3,349 |
| Return on assets (ROA) | 0.5769% | 3,315 |
| Pretax return on assets | 0.6398% | 3,391 |
| Return on Equity (ROE) | 3.4400% | 3,794 |
| Retained earnings to average equity (ytd only) | -0.3127% | 4,016 |
| Net charge-offs to loans | -0.0168% | 4,135 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 74.1277% | 1,543 |
| Assets per employee ($millions) | 6.6540% | 2,402 |
| Cash dividends to net income (ytd only)* | 109.0909% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2036% | 285 |
| Loan loss allowance to noncurrent loans | 658.3333% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 2,824 |
| Noncurrent loans to loans | 0.3347% | 2,256 |
| Net loans and leases to total assets | 37.6400% | 4,068 |
| Net loans and leases to deposits | 45.5455% | 4,037 |
| Net loans and leases to core deposits | 50.2566% | 4,006 |
| Total domestic deposits to total assets | 82.6300% | 3,112 |
| Equity capital to assets | 16.8148% | 405 |
| Core capital (leverage) ratio | 20.7663% | 231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.5784% | 160 |
| Memoranda: | ||
| Average total assets | $47,669,200 | 4,246 |
| Average earning assets | $44,349,200 | 4,220 |
| Average equity | $7,993,800 | 3,965 |
| Average total loans | $17,868,000 | 4,243 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1070% | 4,222 |
| Cost of funding earning assets | 1.7965% | 2,723 |
| Net interest margin | 2.3106% | 4,068 |
| Noninterest income to average assets | 0.2900% | 3,095 |
| Noninterest expense to average assets | 1.7465% | 4,013 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 0.6002% | 3,220 |
| Return on assets (ROA) | 0.6230% | 3,183 |
| Pretax return on assets | 0.6869% | 3,303 |
| Return on Equity (ROE) | 3.7200% | 3,773 |
| Retained earnings to average equity (ytd only) | 3.7173% | 2,941 |
| Net charge-offs to loans | -0.0075% | 3,945 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 71.4448% | 1,855 |
| Assets per employee ($millions) | 6.7824% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1694% | 307 |
| Loan loss allowance to noncurrent loans | 538.3562% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 2,706 |
| Noncurrent loans to loans | 0.4030% | 2,072 |
| Net loans and leases to total assets | 37.3300% | 4,104 |
| Net loans and leases to deposits | 45.8741% | 4,068 |
| Net loans and leases to core deposits | 52.3621% | 3,995 |
| Total domestic deposits to total assets | 81.3700% | 3,236 |
| Equity capital to assets | 18.0150% | 342 |
| Core capital (leverage) ratio | 21.8781% | 199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.1872% | 154 |
| Memoranda: | ||
| Average total assets | $47,942,000 | 4,268 |
| Average earning assets | $44,605,250 | 4,247 |
| Average equity | $8,034,250 | 3,977 |
| Average total loans | $17,853,750 | 4,265 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1447% | 4,179 |
| Cost of funding earning assets | 1.7904% | 2,649 |
| Net interest margin | 2.3543% | 4,039 |
| Noninterest income to average assets | 0.3000% | 2,991 |
| Noninterest expense to average assets | 1.7257% | 4,048 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.6333% | 3,102 |
| Return on assets (ROA) | 0.6445% | 3,108 |
| Pretax return on assets | 0.7152% | 3,202 |
| Return on Equity (ROE) | 3.9400% | 3,734 |
| Retained earnings to average equity (ytd only) | 3.9434% | 2,729 |
| Net charge-offs to loans | -0.0675% | 4,378 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 69.5142% | 2,170 |
| Assets per employee ($millions) | 6.6116% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1400% | 320 |
| Loan loss allowance to noncurrent loans | 320.9677% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 2,088 |
| Noncurrent loans to loans | 0.6667% | 1,382 |
| Net loans and leases to total assets | 39.3200% | 4,055 |
| Net loans and leases to deposits | 47.6989% | 4,026 |
| Net loans and leases to core deposits | 54.5237% | 3,945 |
| Total domestic deposits to total assets | 82.4400% | 2,987 |
| Equity capital to assets | 17.0567% | 392 |
| Core capital (leverage) ratio | 21.5033% | 210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.2183% | 156 |
| Memoranda: | ||
| Average total assets | $48,097,000 | 4,288 |
| Average earning assets | $44,683,333 | 4,265 |
| Average equity | $7,861,333 | 3,985 |
| Average total loans | $17,766,333 | 4,286 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2086% | 4,061 |
| Cost of funding earning assets | 1.8188% | 2,451 |
| Net interest margin | 2.3899% | 4,015 |
| Noninterest income to average assets | 0.2900% | 2,998 |
| Noninterest expense to average assets | 1.6243% | 4,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7927% | 2,565 |
| Return on assets (ROA) | 0.7999% | 2,554 |
| Pretax return on assets | 0.8979% | 2,671 |
| Return on Equity (ROE) | 5.0000% | 3,452 |
| Retained earnings to average equity (ytd only) | 4.9968% | 2,400 |
| Net charge-offs to loans | -0.0461% | 4,308 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 64.6104% | 2,742 |
| Assets per employee ($millions) | 6.9860% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1735% | 292 |
| Loan loss allowance to noncurrent loans | 274.1007% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 1,970 |
| Noncurrent loans to loans | 0.7930% | 1,114 |
| Net loans and leases to total assets | 35.0700% | 4,171 |
| Net loans and leases to deposits | 42.0665% | 4,140 |
| Net loans and leases to core deposits | 47.6492% | 4,125 |
| Total domestic deposits to total assets | 83.3600% | 2,895 |
| Equity capital to assets | 16.0198% | 456 |
| Core capital (leverage) ratio | 19.7497% | 273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.1442% | 158 |
| Memoranda: | ||
| Average total assets | $49,005,000 | 4,306 |
| Average earning assets | $45,525,500 | 4,282 |
| Average equity | $7,845,000 | 4,011 |
| Average total loans | $17,350,500 | 4,317 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6720% | 4,296 |
| Cost of funding earning assets | 1.3427% | 2,386 |
| Net interest margin | 2.3294% | 4,237 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 1.8554% | 3,914 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.5716% | 3,510 |
| Return on assets (ROA) | 0.4832% | 3,702 |
| Pretax return on assets | 0.5041% | 3,798 |
| Return on Equity (ROE) | 3.0400% | 4,020 |
| Retained earnings to average equity (ytd only) | 0.4074% | 3,967 |
| Net charge-offs to loans | 0.0174% | 2,017 |
| Credit loss provision to net charge-offs | 500.0000% | 667 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 906 |
| Efficiency ratio | 74.7262% | 1,377 |
| Assets per employee ($millions) | 6.1385% | 2,701 |
| Cash dividends to net income (ytd only)* | 86.5801% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2071% | 276 |
| Loan loss allowance to noncurrent loans | 278.6765% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 1,837 |
| Noncurrent loans to loans | 0.7920% | 980 |
| Net loans and leases to total assets | 34.2000% | 4,207 |
| Net loans and leases to deposits | 41.0105% | 4,176 |
| Net loans and leases to core deposits | 47.7454% | 4,130 |
| Total domestic deposits to total assets | 83.3800% | 2,787 |
| Equity capital to assets | 15.9974% | 460 |
| Core capital (leverage) ratio | 20.5434% | 251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.6089% | 161 |
| Memoranda: | ||
| Average total assets | $47,805,200 | 4,334 |
| Average earning assets | $44,389,600 | 4,303 |
| Average equity | $7,608,600 | 3,979 |
| Average total loans | $17,281,000 | 4,329 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5489% | 4,351 |
| Cost of funding earning assets | 1.2132% | 2,391 |
| Net interest margin | 2.3357% | 4,280 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 1.7776% | 4,020 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6873% | 3,353 |
| Return on assets (ROA) | 0.5672% | 3,611 |
| Pretax return on assets | 0.5953% | 3,739 |
| Return on Equity (ROE) | 3.5700% | 4,034 |
| Retained earnings to average equity (ytd only) | 3.5688% | 3,365 |
| Net charge-offs to loans | -0.0231% | 4,173 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.1236% | 1,661 |
| Assets per employee ($millions) | 5.9603% | 2,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9736% | 410 |
| Loan loss allowance to noncurrent loans | 238.7097% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 1,725 |
| Noncurrent loans to loans | 0.8268% | 996 |
| Net loans and leases to total assets | 38.5400% | 4,109 |
| Net loans and leases to deposits | 45.8108% | 4,054 |
| Net loans and leases to core deposits | 53.5164% | 3,952 |
| Total domestic deposits to total assets | 84.1300% | 2,737 |
| Equity capital to assets | 15.3056% | 501 |
| Core capital (leverage) ratio | 21.2076% | 230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.6639% | 169 |
| Memoranda: | ||
| Average total assets | $47,479,500 | 4,353 |
| Average earning assets | $44,068,750 | 4,324 |
| Average equity | $7,546,750 | 3,991 |
| Average total loans | $17,308,250 | 4,348 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3612% | 4,436 |
| Cost of funding earning assets | 0.9766% | 2,683 |
| Net interest margin | 2.3846% | 4,313 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.7801% | 4,036 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6834% | 3,376 |
| Return on assets (ROA) | 0.4851% | 3,846 |
| Pretax return on assets | 0.5146% | 3,941 |
| Return on Equity (ROE) | 3.0100% | 4,153 |
| Retained earnings to average equity (ytd only) | 3.0145% | 3,476 |
| Net charge-offs to loans | 0.0119% | 1,748 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 172.0000% | 684 |
| Efficiency ratio | 71.0438% | 1,664 |
| Assets per employee ($millions) | 5.8868% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0725% | 371 |
| Loan loss allowance to noncurrent loans | 250.6849% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 1,681 |
| Noncurrent loans to loans | 0.8267% | 930 |
| Net loans and leases to total assets | 36.7200% | 4,156 |
| Net loans and leases to deposits | 44.0051% | 4,094 |
| Net loans and leases to core deposits | 50.0927% | 4,017 |
| Total domestic deposits to total assets | 83.4500% | 2,949 |
| Equity capital to assets | 16.1613% | 430 |
| Core capital (leverage) ratio | 21.8777% | 202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.1147% | 151 |
| Memoranda: | ||
| Average total assets | $47,412,000 | 4,372 |
| Average earning assets | $44,032,000 | 4,345 |
| Average equity | $7,629,667 | 3,995 |
| Average total loans | $16,828,667 | 4,374 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2758% | 4,453 |
| Cost of funding earning assets | 0.7713% | 2,833 |
| Net interest margin | 2.5045% | 4,295 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 1.7658% | 4,085 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7906% | 3,223 |
| Return on assets (ROA) | 0.6811% | 3,461 |
| Pretax return on assets | 0.7315% | 3,603 |
| Return on Equity (ROE) | 4.2400% | 4,000 |
| Retained earnings to average equity (ytd only) | 4.2414% | 3,199 |
| Net charge-offs to loans | 0.1462% | 468 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 16.8333% | 1,509 |
| Efficiency ratio | 67.5241% | 2,030 |
| Assets per employee ($millions) | 6.6601% | 2,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2484% | 301 |
| Loan loss allowance to noncurrent loans | 240.6667% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3217% | 1,563 |
| Noncurrent loans to loans | 0.9342% | 806 |
| Net loans and leases to total assets | 33.6700% | 4,272 |
| Net loans and leases to deposits | 40.5514% | 4,209 |
| Net loans and leases to core deposits | 41.3810% | 4,233 |
| Total domestic deposits to total assets | 83.0200% | 3,293 |
| Equity capital to assets | 16.5912% | 365 |
| Core capital (leverage) ratio | 21.0360% | 230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.1734% | 144 |
| Memoranda: | ||
| Average total assets | $47,571,000 | 4,435 |
| Average earning assets | $44,081,500 | 4,413 |
| Average equity | $7,639,000 | 4,043 |
| Average total loans | $16,413,000 | 4,440 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8928% | 4,244 |
| Cost of funding earning assets | 0.3077% | 2,813 |
| Net interest margin | 2.5850% | 4,198 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 1.9472% | 3,721 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7068% | 3,601 |
| Return on assets (ROA) | 0.7271% | 3,487 |
| Pretax return on assets | 0.7984% | 3,628 |
| Return on Equity (ROE) | 4.2900% | 4,117 |
| Retained earnings to average equity (ytd only) | 0.0840% | 4,328 |
| Net charge-offs to loans | -0.0823% | 4,479 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.5034% | 1,500 |
| Assets per employee ($millions) | 6.0651% | 2,704 |
| Cash dividends to net income (ytd only)* | 98.0392% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1884% | 310 |
| Loan loss allowance to noncurrent loans | 190.1554% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 1,286 |
| Noncurrent loans to loans | 1.1509% | 616 |
| Net loans and leases to total assets | 33.8100% | 4,290 |
| Net loans and leases to deposits | 41.2250% | 4,209 |
| Net loans and leases to core deposits | 42.0450% | 4,228 |
| Total domestic deposits to total assets | 82.0000% | 3,631 |
| Equity capital to assets | 15.5458% | 422 |
| Core capital (leverage) ratio | 21.2124% | 218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.3071% | 157 |
| Memoranda: | ||
| Average total assets | $49,096,200 | 4,449 |
| Average earning assets | $45,492,800 | 4,423 |
| Average equity | $8,331,200 | 4,064 |
| Average total loans | $14,576,400 | 4,491 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8204% | 4,168 |
| Cost of funding earning assets | 0.2537% | 2,663 |
| Net interest margin | 2.5666% | 4,142 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.7709% | 4,036 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8285% | 3,142 |
| Return on assets (ROA) | 0.8502% | 3,040 |
| Pretax return on assets | 0.9558% | 3,155 |
| Return on Equity (ROE) | 4.9100% | 3,994 |
| Retained earnings to average equity (ytd only) | 4.9091% | 3,137 |
| Net charge-offs to loans | -0.0855% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.5311% | 2,339 |
| Assets per employee ($millions) | 5.8383% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5645% | 219 |
| Loan loss allowance to noncurrent loans | 212.8655% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 1,473 |
| Noncurrent loans to loans | 1.2047% | 611 |
| Net loans and leases to total assets | 29.6100% | 4,430 |
| Net loans and leases to deposits | 35.3880% | 4,381 |
| Net loans and leases to core deposits | 36.1049% | 4,402 |
| Total domestic deposits to total assets | 83.6700% | 3,568 |
| Equity capital to assets | 16.0001% | 371 |
| Core capital (leverage) ratio | 21.0868% | 212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.7955% | 137 |
| Memoranda: | ||
| Average total assets | $49,240,000 | 4,483 |
| Average earning assets | $45,713,750 | 4,455 |
| Average equity | $8,528,250 | 4,090 |
| Average total loans | $14,028,000 | 4,534 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7124% | 4,123 |
| Cost of funding earning assets | 0.2235% | 2,604 |
| Net interest margin | 2.4889% | 4,101 |
| Noninterest income to average assets | 0.3314% | 3,173 |
| Noninterest expense to average assets | 1.7211% | 4,107 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8076% | 2,926 |
| Return on assets (ROA) | 0.8146% | 2,874 |
| Pretax return on assets | 0.9304% | 2,963 |
| Return on Equity (ROE) | 4.5946% | 3,890 |
| Retained earnings to average equity (ytd only) | 4.5946% | 2,846 |
| Net charge-offs to loans | -0.0429% | 4,173 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1057% | 2,630 |
| Assets per employee ($millions) | 6.1758% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3469% | 307 |
| Loan loss allowance to noncurrent loans | 172.1154% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.4210% | 1,345 |
| Noncurrent loans to loans | 1.3636% | 566 |
| Net loans and leases to total assets | 30.1502% | 4,457 |
| Net loans and leases to deposits | 36.5896% | 4,376 |
| Net loans and leases to core deposits | 37.3006% | 4,398 |
| Total domestic deposits to total assets | 82.4009% | 3,953 |
| Equity capital to assets | 15.6479% | 355 |
| Core capital (leverage) ratio | 20.0618% | 184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.7548% | 108 |
| Memoranda: | ||
| Average total assets | $50,084,667 | 4,511 |
| Average earning assets | $46,527,333 | 4,503 |
| Average equity | $8,880,000 | 4,114 |
| Average total loans | $13,972,667 | 4,600 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6116% | 4,099 |
| Cost of funding earning assets | 0.2048% | 2,732 |
| Net interest margin | 2.4067% | 4,058 |
| Noninterest income to average assets | 0.3094% | 3,248 |
| Noninterest expense to average assets | 1.6738% | 4,176 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7536% | 2,841 |
| Return on assets (ROA) | 0.7536% | 2,833 |
| Pretax return on assets | 0.8726% | 2,880 |
| Return on Equity (ROE) | 4.0193% | 3,873 |
| Retained earnings to average equity (ytd only) | 4.0193% | 2,928 |
| Net charge-offs to loans | -0.0600% | 4,320 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7321% | 2,799 |
| Assets per employee ($millions) | 7.3846% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8735% | 177 |
| Loan loss allowance to noncurrent loans | 205.1724% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.3366% | 1,764 |
| Noncurrent loans to loans | 1.4005% | 610 |
| Net loans and leases to total assets | 23.3440% | 4,623 |
| Net loans and leases to deposits | 28.3024% | 4,593 |
| Net loans and leases to core deposits | 29.0177% | 4,596 |
| Total domestic deposits to total assets | 82.4808% | 4,021 |
| Equity capital to assets | 17.2096% | 257 |
| Core capital (leverage) ratio | 18.9886% | 212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.3511% | 96 |
| Memoranda: | ||
| Average total assets | $50,424,000 | 4,533 |
| Average earning assets | $46,868,500 | 4,521 |
| Average equity | $9,454,500 | 4,117 |
| Average total loans | $13,332,000 | 4,629 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9581% | 3,941 |
| Cost of funding earning assets | 0.2573% | 2,842 |
| Net interest margin | 2.7008% | 3,867 |
| Noninterest income to average assets | 0.2829% | 3,701 |
| Noninterest expense to average assets | 1.9315% | 3,854 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7355% | 3,531 |
| Return on assets (ROA) | 0.8630% | 3,215 |
| Pretax return on assets | 0.9973% | 3,263 |
| Return on Equity (ROE) | 4.0988% | 4,201 |
| Retained earnings to average equity (ytd only) | 0.7154% | 4,330 |
| Net charge-offs to loans | 0.2439% | 382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 11.6111% | 2,145 |
| Efficiency ratio | 69.4221% | 1,801 |
| Assets per employee ($millions) | 7.0223% | 1,911 |
| Cash dividends to net income (ytd only)* | 82.5472% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4930% | 283 |
| Loan loss allowance to noncurrent loans | 183.9378% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 1,653 |
| Noncurrent loans to loans | 1.3553% | 689 |
| Net loans and leases to total assets | 28.2468% | 4,562 |
| Net loans and leases to deposits | 35.7327% | 4,482 |
| Net loans and leases to core deposits | 36.7260% | 4,502 |
| Total domestic deposits to total assets | 79.0504% | 4,313 |
| Equity capital to assets | 20.3698% | 168 |
| Core capital (leverage) ratio | 20.2014% | 167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.6626% | 99 |
| Memoranda: | ||
| Average total assets | $49,133,000 | 4,571 |
| Average earning assets | $45,468,400 | 4,557 |
| Average equity | $10,344,400 | 4,090 |
| Average total loans | $14,761,400 | 4,657 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0714% | 3,865 |
| Cost of funding earning assets | 0.2640% | 2,970 |
| Net interest margin | 2.8074% | 3,763 |
| Noninterest income to average assets | 0.2768% | 3,769 |
| Noninterest expense to average assets | 1.8292% | 4,109 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8978% | 3,254 |
| Return on assets (ROA) | 1.0612% | 2,755 |
| Pretax return on assets | 1.2349% | 2,820 |
| Return on Equity (ROE) | 4.9996% | 4,119 |
| Retained earnings to average equity (ytd only) | 4.9996% | 3,217 |
| Net charge-offs to loans | 0.0358% | 1,361 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 96.2500% | 890 |
| Efficiency ratio | 63.6449% | 2,443 |
| Assets per employee ($millions) | 6.8403% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8450% | 186 |
| Loan loss allowance to noncurrent loans | 212.6374% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 1,921 |
| Noncurrent loans to loans | 1.3379% | 799 |
| Net loans and leases to total assets | 27.6012% | 4,664 |
| Net loans and leases to deposits | 35.7479% | 4,583 |
| Net loans and leases to core deposits | 36.7939% | 4,597 |
| Total domestic deposits to total assets | 77.2106% | 4,478 |
| Equity capital to assets | 22.0333% | 133 |
| Core capital (leverage) ratio | 20.6306% | 161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.3068% | 104 |
| Memoranda: | ||
| Average total assets | $49,127,250 | 4,632 |
| Average earning assets | $45,449,750 | 4,616 |
| Average equity | $10,427,250 | 4,144 |
| Average total loans | $14,891,750 | 4,722 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2886% | 3,460 |
| Cost of funding earning assets | 0.2661% | 3,124 |
| Net interest margin | 3.0225% | 3,266 |
| Noninterest income to average assets | 0.2826% | 3,731 |
| Noninterest expense to average assets | 1.6592% | 4,432 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1815% | 2,256 |
| Return on assets (ROA) | 1.1949% | 2,278 |
| Pretax return on assets | 1.4372% | 2,221 |
| Return on Equity (ROE) | 5.6998% | 3,978 |
| Retained earnings to average equity (ytd only) | 5.6998% | 2,921 |
| Net charge-offs to loans | 0.0522% | 1,097 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 796 |
| Efficiency ratio | 53.8663% | 3,821 |
| Assets per employee ($millions) | 7.0384% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6214% | 236 |
| Loan loss allowance to noncurrent loans | 211.4754% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.3714% | 2,118 |
| Noncurrent loans to loans | 1.2396% | 965 |
| Net loans and leases to total assets | 29.1786% | 4,678 |
| Net loans and leases to deposits | 37.3956% | 4,598 |
| Net loans and leases to core deposits | 38.4467% | 4,615 |
| Total domestic deposits to total assets | 78.0268% | 4,430 |
| Equity capital to assets | 21.2182% | 147 |
| Core capital (leverage) ratio | 19.8399% | 188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.5983% | 99 |
| Memoranda: | ||
| Average total assets | $49,542,333 | 4,658 |
| Average earning assets | $45,855,333 | 4,641 |
| Average equity | $10,386,333 | 4,165 |
| Average total loans | $15,321,333 | 4,747 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5052% | 2,911 |
| Cost of funding earning assets | 0.2717% | 3,253 |
| Net interest margin | 3.2336% | 2,592 |
| Noninterest income to average assets | 0.2818% | 3,711 |
| Noninterest expense to average assets | 1.6586% | 4,454 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2867% | 1,867 |
| Return on assets (ROA) | 1.2802% | 1,962 |
| Pretax return on assets | 1.5862% | 1,769 |
| Return on Equity (ROE) | 6.1434% | 3,818 |
| Retained earnings to average equity (ytd only) | 6.1434% | 2,842 |
| Net charge-offs to loans | 0.1026% | 674 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 49.5000% | 908 |
| Efficiency ratio | 50.9901% | 4,096 |
| Assets per employee ($millions) | 7.3624% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4700% | 272 |
| Loan loss allowance to noncurrent loans | 108.4034% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.6927% | 1,356 |
| Noncurrent loans to loans | 2.2785% | 431 |
| Net loans and leases to total assets | 29.6505% | 4,705 |
| Net loans and leases to deposits | 37.4103% | 4,646 |
| Net loans and leases to core deposits | 38.1348% | 4,667 |
| Total domestic deposits to total assets | 79.2576% | 4,303 |
| Equity capital to assets | 20.0147% | 186 |
| Core capital (leverage) ratio | 19.6209% | 203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.2150% | 104 |
| Memoranda: | ||
| Average total assets | $49,679,000 | 4,673 |
| Average earning assets | $45,646,000 | 4,666 |
| Average equity | $10,352,500 | 4,175 |
| Average total loans | $15,600,500 | 4,772 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1860% | 4,467 |
| Cost of funding earning assets | 0.3940% | 3,617 |
| Net interest margin | 2.7920% | 4,276 |
| Noninterest income to average assets | 0.3317% | 3,476 |
| Noninterest expense to average assets | 1.8960% | 4,327 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9008% | 2,692 |
| Return on assets (ROA) | 1.0152% | 2,380 |
| Pretax return on assets | 1.1542% | 2,501 |
| Return on Equity (ROE) | 4.4223% | 4,053 |
| Retained earnings to average equity (ytd only) | 1.0055% | 4,228 |
| Net charge-offs to loans | -0.0131% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9271% | 2,686 |
| Assets per employee ($millions) | 6.8316% | 1,689 |
| Cash dividends to net income (ytd only)* | 77.2627% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5172% | 256 |
| Loan loss allowance to noncurrent loans | 110.4520% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.7403% | 1,392 |
| Noncurrent loans to loans | 2.2790% | 470 |
| Net loans and leases to total assets | 31.6639% | 4,716 |
| Net loans and leases to deposits | 40.9332% | 4,636 |
| Net loans and leases to core deposits | 41.8102% | 4,654 |
| Total domestic deposits to total assets | 77.3551% | 4,378 |
| Equity capital to assets | 21.7269% | 145 |
| Core capital (leverage) ratio | 20.6336% | 163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.8574% | 104 |
| Memoranda: | ||
| Average total assets | $44,621,400 | 4,712 |
| Average earning assets | $41,368,200 | 4,702 |
| Average equity | $10,243,600 | 4,171 |
| Average total loans | $15,319,800 | 4,801 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2920% | 4,479 |
| Cost of funding earning assets | 0.4217% | 3,694 |
| Net interest margin | 2.8703% | 4,231 |
| Noninterest income to average assets | 0.3438% | 3,416 |
| Noninterest expense to average assets | 1.7860% | 4,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0640% | 2,095 |
| Return on assets (ROA) | 1.2079% | 1,742 |
| Pretax return on assets | 1.3965% | 1,751 |
| Return on Equity (ROE) | 5.1859% | 3,833 |
| Retained earnings to average equity (ytd only) | 5.1859% | 2,480 |
| Net charge-offs to loans | -0.0087% | 4,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2331% | 3,489 |
| Assets per employee ($millions) | 6.5909% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5202% | 219 |
| Loan loss allowance to noncurrent loans | 113.0435% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.7478% | 1,556 |
| Noncurrent loans to loans | 2.2294% | 517 |
| Net loans and leases to total assets | 32.6968% | 4,772 |
| Net loans and leases to deposits | 43.0988% | 4,682 |
| Net loans and leases to core deposits | 44.0760% | 4,712 |
| Total domestic deposits to total assets | 75.8648% | 4,440 |
| Equity capital to assets | 23.1685% | 121 |
| Core capital (leverage) ratio | 21.5613% | 152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.0558% | 103 |
| Memoranda: | ||
| Average total assets | $43,821,500 | 4,744 |
| Average earning assets | $40,784,500 | 4,729 |
| Average equity | $10,207,000 | 4,190 |
| Average total loans | $15,266,500 | 4,833 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3226% | 4,629 |
| Cost of funding earning assets | 0.4654% | 3,720 |
| Net interest margin | 2.8573% | 4,375 |
| Noninterest income to average assets | 0.3624% | 3,314 |
| Noninterest expense to average assets | 1.8397% | 4,501 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0035% | 2,314 |
| Return on assets (ROA) | 1.0035% | 2,439 |
| Pretax return on assets | 1.1754% | 2,447 |
| Return on Equity (ROE) | 4.3001% | 4,021 |
| Retained earnings to average equity (ytd only) | 4.3001% | 2,783 |
| Net charge-offs to loans | -0.0132% | 4,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0169% | 3,274 |
| Assets per employee ($millions) | 6.6911% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5751% | 200 |
| Loan loss allowance to noncurrent loans | 175.6757% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 2,421 |
| Noncurrent loans to loans | 1.4658% | 1,039 |
| Net loans and leases to total assets | 31.5022% | 4,829 |
| Net loans and leases to deposits | 41.0923% | 4,767 |
| Net loans and leases to core deposits | 41.9999% | 4,796 |
| Total domestic deposits to total assets | 76.6621% | 4,358 |
| Equity capital to assets | 22.3985% | 138 |
| Core capital (leverage) ratio | 22.0505% | 143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.7329% | 114 |
| Memoranda: | ||
| Average total assets | $43,050,000 | 4,772 |
| Average earning assets | $39,968,333 | 4,762 |
| Average equity | $10,046,333 | 4,212 |
| Average total loans | $15,197,000 | 4,861 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6140% | 4,502 |
| Cost of funding earning assets | 0.5253% | 3,823 |
| Net interest margin | 3.0887% | 4,122 |
| Noninterest income to average assets | 0.4471% | 2,808 |
| Noninterest expense to average assets | 1.9730% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1371% | 1,731 |
| Return on assets (ROA) | 1.1371% | 1,838 |
| Pretax return on assets | 1.3315% | 1,777 |
| Return on Equity (ROE) | 4.7638% | 3,723 |
| Retained earnings to average equity (ytd only) | 4.7638% | 2,387 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7059% | 3,779 |
| Assets per employee ($millions) | 6.0037% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7600% | 183 |
| Loan loss allowance to noncurrent loans | 169.8690% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.5449% | 2,360 |
| Noncurrent loans to loans | 1.6248% | 949 |
| Net loans and leases to total assets | 32.6108% | 4,851 |
| Net loans and leases to deposits | 42.8161% | 4,785 |
| Net loans and leases to core deposits | 43.8799% | 4,810 |
| Total domestic deposits to total assets | 76.1648% | 4,470 |
| Equity capital to assets | 23.1642% | 144 |
| Core capital (leverage) ratio | 23.1613% | 142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.8821% | 100 |
| Memoranda: | ||
| Average total assets | $41,156,000 | 4,830 |
| Average earning assets | $38,074,500 | 4,817 |
| Average equity | $9,824,000 | 4,262 |
| Average total loans | $15,223,000 | 4,897 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8088% | 4,555 |
| Cost of funding earning assets | 0.6021% | 3,627 |
| Net interest margin | 3.2067% | 4,170 |
| Noninterest income to average assets | 0.5218% | 2,617 |
| Noninterest expense to average assets | 2.0180% | 4,505 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2608% | 1,830 |
| Return on assets (ROA) | 1.2508% | 1,957 |
| Pretax return on assets | 1.4867% | 1,843 |
| Return on Equity (ROE) | 5.4206% | 4,098 |
| Retained earnings to average equity (ytd only) | 1.8069% | 4,078 |
| Net charge-offs to loans | -0.1574% | 5,029 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3848% | 4,038 |
| Assets per employee ($millions) | 5.7446% | 1,844 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3789% | 252 |
| Loan loss allowance to noncurrent loans | 1,080.5556% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 4,186 |
| Noncurrent loans to loans | 0.2202% | 3,662 |
| Net loans and leases to total assets | 39.6971% | 4,743 |
| Net loans and leases to deposits | 53.1976% | 4,564 |
| Net loans and leases to core deposits | 54.6098% | 4,634 |
| Total domestic deposits to total assets | 74.6220% | 4,730 |
| Equity capital to assets | 24.5151% | 128 |
| Core capital (leverage) ratio | 23.5447% | 144 |
| Tier 1 risk-based capital ratio | 43.9758% | 189 |
| Total risk-based capital ratio | 45.2337% | 186 |
| Memoranda: | ||
| Average total assets | $41,972,000 | 4,865 |
| Average earning assets | $39,198,800 | 4,851 |
| Average equity | $9,685,200 | 4,284 |
| Average total loans | $17,150,600 | 4,928 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8093% | 4,667 |
| Cost of funding earning assets | 0.6057% | 3,669 |
| Net interest margin | 3.2035% | 4,292 |
| Noninterest income to average assets | 0.5784% | 2,316 |
| Noninterest expense to average assets | 1.8956% | 4,705 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3963% | 1,482 |
| Return on assets (ROA) | 1.3832% | 1,589 |
| Pretax return on assets | 1.6599% | 1,441 |
| Return on Equity (ROE) | 6.0843% | 4,014 |
| Retained earnings to average equity (ytd only) | 6.0843% | 2,332 |
| Net charge-offs to loans | -0.1998% | 5,108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0810% | 4,485 |
| Assets per employee ($millions) | 6.8347% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3061% | 282 |
| Loan loss allowance to noncurrent loans | 793.8776% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 4,123 |
| Noncurrent loans to loans | 0.2905% | 3,495 |
| Net loans and leases to total assets | 40.1848% | 4,810 |
| Net loans and leases to deposits | 53.9640% | 4,633 |
| Net loans and leases to core deposits | 55.3711% | 4,707 |
| Total domestic deposits to total assets | 74.4660% | 4,785 |
| Equity capital to assets | 24.6757% | 131 |
| Core capital (leverage) ratio | 23.8981% | 141 |
| Tier 1 risk-based capital ratio | 44.0850% | 186 |
| Total risk-based capital ratio | 45.3389% | 184 |
| Memoranda: | ||
| Average total assets | $42,412,000 | 4,934 |
| Average earning assets | $39,621,750 | 4,917 |
| Average equity | $9,642,000 | 4,335 |
| Average total loans | $17,350,250 | 4,996 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8137% | 4,699 |
| Cost of funding earning assets | 0.5948% | 3,675 |
| Net interest margin | 3.2189% | 4,320 |
| Noninterest income to average assets | 0.3545% | 3,567 |
| Noninterest expense to average assets | 1.8657% | 4,798 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2597% | 1,924 |
| Return on assets (ROA) | 1.2127% | 2,164 |
| Pretax return on assets | 1.4366% | 2,082 |
| Return on Equity (ROE) | 5.4835% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.4835% | 2,526 |
| Net charge-offs to loans | -0.3084% | 5,185 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5556% | 4,300 |
| Assets per employee ($millions) | 6.0347% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2738% | 306 |
| Loan loss allowance to noncurrent loans | 370.4762% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 3,577 |
| Noncurrent loans to loans | 0.6137% | 2,422 |
| Net loans and leases to total assets | 39.5782% | 4,855 |
| Net loans and leases to deposits | 52.1280% | 4,736 |
| Net loans and leases to core deposits | 53.4205% | 4,795 |
| Total domestic deposits to total assets | 75.9250% | 4,680 |
| Equity capital to assets | 23.4074% | 152 |
| Core capital (leverage) ratio | 22.8142% | 154 |
| Tier 1 risk-based capital ratio | 42.6086% | 202 |
| Total risk-based capital ratio | 43.8650% | 199 |
| Memoranda: | ||
| Average total assets | $42,880,000 | 4,969 |
| Average earning assets | $40,013,330 | 4,953 |
| Average equity | $9,483,000 | 4,373 |
| Average total loans | $17,511,000 | 5,036 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7960% | 4,712 |
| Cost of funding earning assets | 0.5878% | 3,639 |
| Net interest margin | 3.2082% | 4,368 |
| Noninterest income to average assets | 0.3611% | 3,437 |
| Noninterest expense to average assets | 1.8612% | 4,849 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2508% | 1,889 |
| Return on assets (ROA) | 1.1574% | 2,284 |
| Pretax return on assets | 1.3704% | 2,191 |
| Return on Equity (ROE) | 5.3876% | 4,222 |
| Retained earnings to average equity (ytd only) | 5.3876% | 2,744 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6787% | 4,373 |
| Assets per employee ($millions) | 6.0779% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1904% | 361 |
| Loan loss allowance to noncurrent loans | 182.8283% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.4654% | 2,749 |
| Noncurrent loans to loans | 1.1980% | 1,381 |
| Net loans and leases to total assets | 37.9951% | 4,958 |
| Net loans and leases to deposits | 49.1352% | 4,844 |
| Net loans and leases to core deposits | 50.1878% | 4,880 |
| Total domestic deposits to total assets | 77.3275% | 4,617 |
| Equity capital to assets | 22.2047% | 170 |
| Core capital (leverage) ratio | 22.1343% | 170 |
| Tier 1 risk-based capital ratio | 42.7785% | 192 |
| Total risk-based capital ratio | 44.0310% | 184 |
| Memoranda: | ||
| Average total assets | $43,198,500 | 5,012 |
| Average earning assets | $40,147,500 | 4,999 |
| Average equity | $9,280,500 | 4,426 |
| Average total loans | $17,712,500 | 5,086 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6240% | 4,772 |
| Cost of funding earning assets | 0.4196% | 3,866 |
| Net interest margin | 3.2044% | 4,475 |
| Noninterest income to average assets | 0.1596% | 4,922 |
| Noninterest expense to average assets | 2.0006% | 4,749 |
| Loan and lease loss provision to assets | 0.2082% | 898 |
| Net operating income to assets | 0.7753% | 3,895 |
| Return on assets (ROA) | 0.7655% | 3,927 |
| Pretax return on assets | 0.9066% | 3,881 |
| Return on Equity (ROE) | 3.6040% | 4,798 |
| Retained earnings to average equity (ytd only) | 0.0653% | 4,973 |
| Net charge-offs to loans | 1.3661% | 86 |
| Credit loss provision to net charge-offs | 36.5854% | 3,305 |
| Earnings coverage of net charge-offs (x) | 1.9797% | 3,567 |
| Efficiency ratio | 63.9793% | 3,198 |
| Assets per employee ($millions) | 5.4815% | 1,973 |
| Cash dividends to net income (ytd only)* | 98.1873% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9155% | 555 |
| Loan loss allowance to noncurrent loans | 524.6377% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 4,038 |
| Noncurrent loans to loans | 0.3651% | 3,226 |
| Net loans and leases to total assets | 42.2695% | 4,872 |
| Net loans and leases to deposits | 53.6513% | 4,764 |
| Net loans and leases to core deposits | 54.7447% | 4,822 |
| Total domestic deposits to total assets | 78.7855% | 4,354 |
| Equity capital to assets | 20.7835% | 202 |
| Core capital (leverage) ratio | 22.4375% | 158 |
| Tier 1 risk-based capital ratio | 38.2719% | 255 |
| Total risk-based capital ratio | 39.5248% | 252 |
| Memoranda: | ||
| Average total assets | $43,237,200 | 5,058 |
| Average earning assets | $40,038,400 | 5,045 |
| Average equity | $9,184,200 | 4,440 |
| Average total loans | $18,007,600 | 5,121 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5743% | 4,844 |
| Cost of funding earning assets | 0.3901% | 3,932 |
| Net interest margin | 3.1842% | 4,541 |
| Noninterest income to average assets | 0.1114% | 5,167 |
| Noninterest expense to average assets | 1.8506% | 4,978 |
| Loan and lease loss provision to assets | 0.2785% | 545 |
| Net operating income to assets | 0.7803% | 3,972 |
| Return on assets (ROA) | 0.7675% | 4,028 |
| Pretax return on assets | 0.9222% | 3,944 |
| Return on Equity (ROE) | 3.5934% | 4,908 |
| Retained earnings to average equity (ytd only) | 3.5934% | 3,971 |
| Net charge-offs to loans | 1.8442% | 55 |
| Credit loss provision to net charge-offs | 36.5854% | 2,933 |
| Earnings coverage of net charge-offs (x) | 1.5976% | 3,336 |
| Efficiency ratio | 60.3431% | 3,762 |
| Assets per employee ($millions) | 5.3014% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9811% | 504 |
| Loan loss allowance to noncurrent loans | 373.1959% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 3,802 |
| Noncurrent loans to loans | 0.5308% | 2,789 |
| Net loans and leases to total assets | 42.2320% | 4,950 |
| Net loans and leases to deposits | 54.2363% | 4,813 |
| Net loans and leases to core deposits | 54.9013% | 4,878 |
| Total domestic deposits to total assets | 77.8666% | 4,499 |
| Equity capital to assets | 21.6948% | 175 |
| Core capital (leverage) ratio | 22.8105% | 142 |
| Tier 1 risk-based capital ratio | 39.9810% | 236 |
| Total risk-based capital ratio | 41.2323% | 232 |
| Memoranda: | ||
| Average total assets | $43,083,500 | 5,123 |
| Average earning assets | $39,988,000 | 5,111 |
| Average equity | $9,201,750 | 4,475 |
| Average total loans | $17,785,000 | 5,188 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4910% | 4,937 |
| Cost of funding earning assets | 0.3591% | 4,013 |
| Net interest margin | 3.1319% | 4,658 |
| Noninterest income to average assets | 0.0092% | 5,471 |
| Noninterest expense to average assets | 1.8472% | 5,037 |
| Loan and lease loss provision to assets | 0.4156% | 288 |
| Net operating income to assets | 0.4968% | 4,758 |
| Return on assets (ROA) | 0.4895% | 4,773 |
| Pretax return on assets | 0.6373% | 4,669 |
| Return on Equity (ROE) | 2.3038% | 5,136 |
| Retained earnings to average equity (ytd only) | 2.3038% | 4,352 |
| Net charge-offs to loans | -0.0454% | 4,889 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4921% | 3,386 |
| Assets per employee ($millions) | 5.3233% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3996% | 89 |
| Loan loss allowance to noncurrent loans | 169.0608% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.8500% | 1,754 |
| Noncurrent loans to loans | 2.0109% | 741 |
| Net loans and leases to total assets | 40.8350% | 5,030 |
| Net loans and leases to deposits | 52.2709% | 4,902 |
| Net loans and leases to core deposits | 52.9070% | 4,963 |
| Total domestic deposits to total assets | 78.1219% | 4,569 |
| Equity capital to assets | 21.4648% | 176 |
| Core capital (leverage) ratio | 22.3077% | 157 |
| Tier 1 risk-based capital ratio | 39.7276% | 232 |
| Total risk-based capital ratio | 40.9937% | 229 |
| Memoranda: | ||
| Average total assets | $43,307,670 | 5,179 |
| Average earning assets | $40,103,330 | 5,166 |
| Average equity | $9,202,000 | 4,513 |
| Average total loans | $17,622,330 | 5,249 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4232% | 4,989 |
| Cost of funding earning assets | 0.3383% | 4,077 |
| Net interest margin | 3.0848% | 4,733 |
| Noninterest income to average assets | 0.3664% | 3,688 |
| Noninterest expense to average assets | 1.8595% | 5,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1542% | 2,195 |
| Return on assets (ROA) | 1.1542% | 2,211 |
| Pretax return on assets | 1.3465% | 2,195 |
| Return on Equity (ROE) | 5.4590% | 4,328 |
| Retained earnings to average equity (ytd only) | 5.4590% | 2,968 |
| Net charge-offs to loans | -0.0229% | 4,625 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0000% | 4,339 |
| Assets per employee ($millions) | 5.3965% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0552% | 149 |
| Loan loss allowance to noncurrent loans | 137.9310% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 1.5519% | 880 |
| Noncurrent loans to loans | 2.2150% | 676 |
| Net loans and leases to total assets | 38.2192% | 5,130 |
| Net loans and leases to deposits | 48.7935% | 5,016 |
| Net loans and leases to core deposits | 49.3775% | 5,059 |
| Total domestic deposits to total assets | 78.3285% | 4,678 |
| Equity capital to assets | 21.2707% | 174 |
| Core capital (leverage) ratio | 22.0604% | 153 |
| Tier 1 risk-based capital ratio | 40.4289% | 223 |
| Total risk-based capital ratio | 41.6892% | 220 |
| Memoranda: | ||
| Average total assets | $43,668,500 | 5,231 |
| Average earning assets | $40,196,500 | 5,220 |
| Average equity | $9,232,500 | 4,552 |
| Average total loans | $17,432,500 | 5,315 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3290% | 5,047 |
| Cost of funding earning assets | 0.2670% | 4,422 |
| Net interest margin | 3.0620% | 4,766 |
| Noninterest income to average assets | 0.3153% | 4,204 |
| Noninterest expense to average assets | 2.1185% | 4,725 |
| Loan and lease loss provision to assets | 0.1777% | 1,222 |
| Net operating income to assets | 0.5880% | 4,065 |
| Return on assets (ROA) | 0.6018% | 4,040 |
| Pretax return on assets | 0.8660% | 4,026 |
| Return on Equity (ROE) | 2.8376% | 4,882 |
| Retained earnings to average equity (ytd only) | -0.3037% | 5,088 |
| Net charge-offs to loans | 0.6879% | 314 |
| Credit loss provision to net charge-offs | 64.5161% | 3,167 |
| Earnings coverage of net charge-offs (x) | 3.7177% | 3,569 |
| Efficiency ratio | 67.4205% | 3,015 |
| Assets per employee ($millions) | 5.5206% | 1,911 |
| Cash dividends to net income (ytd only)* | 110.7011% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9084% | 158 |
| Loan loss allowance to noncurrent loans | 122.9858% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 1.6189% | 816 |
| Noncurrent loans to loans | 2.3648% | 592 |
| Net loans and leases to total assets | 39.2302% | 5,163 |
| Net loans and leases to deposits | 49.9107% | 5,062 |
| Net loans and leases to core deposits | 50.4925% | 5,120 |
| Total domestic deposits to total assets | 78.6007% | 4,626 |
| Equity capital to assets | 21.0166% | 177 |
| Core capital (leverage) ratio | 21.6678% | 155 |
| Tier 1 risk-based capital ratio | 38.8052% | 242 |
| Total risk-based capital ratio | 40.0642% | 234 |
| Memoranda: | ||
| Average total assets | $45,032,200 | 5,253 |
| Average earning assets | $41,573,600 | 5,240 |
| Average equity | $9,550,400 | 4,517 |
| Average total loans | $18,026,600 | 5,360 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3535% | 5,035 |
| Cost of funding earning assets | 0.2543% | 4,527 |
| Net interest margin | 3.0992% | 4,713 |
| Noninterest income to average assets | 0.3241% | 4,219 |
| Noninterest expense to average assets | 1.7680% | 5,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1234% | 1,978 |
| Return on assets (ROA) | 1.1374% | 1,982 |
| Pretax return on assets | 1.4468% | 1,956 |
| Return on Equity (ROE) | 5.3512% | 4,388 |
| Retained earnings to average equity (ytd only) | 5.3512% | 2,643 |
| Net charge-offs to loans | 0.9222% | 197 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 3.8801% | 3,288 |
| Efficiency ratio | 55.2995% | 4,815 |
| Assets per employee ($millions) | 5.4833% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4057% | 301 |
| Loan loss allowance to noncurrent loans | 2,731.2500% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.9027% | 1,892 |
| Noncurrent loans to loans | 0.0881% | 4,718 |
| Net loans and leases to total assets | 40.4140% | 5,182 |
| Net loans and leases to deposits | 52.4233% | 5,035 |
| Net loans and leases to core deposits | 53.0508% | 5,103 |
| Total domestic deposits to total assets | 77.0916% | 4,867 |
| Equity capital to assets | 22.5140% | 138 |
| Core capital (leverage) ratio | 21.7411% | 149 |
| Tier 1 risk-based capital ratio | 39.7040% | 226 |
| Total risk-based capital ratio | 40.9580% | 224 |
| Memoranda: | ||
| Average total assets | $45,249,000 | 5,299 |
| Average earning assets | $41,945,750 | 5,290 |
| Average equity | $9,617,500 | 4,552 |
| Average total loans | $18,072,000 | 5,414 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2919% | 5,119 |
| Cost of funding earning assets | 0.2365% | 4,671 |
| Net interest margin | 3.0554% | 4,782 |
| Noninterest income to average assets | 0.3282% | 4,196 |
| Noninterest expense to average assets | 1.7939% | 5,320 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2295% | 1,504 |
| Return on assets (ROA) | 1.2295% | 1,539 |
| Pretax return on assets | 1.3608% | 2,163 |
| Return on Equity (ROE) | 5.8963% | 4,092 |
| Retained earnings to average equity (ytd only) | 5.8963% | 2,175 |
| Net charge-offs to loans | 1.3968% | 132 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.4683% | 3,157 |
| Efficiency ratio | 56.8655% | 4,729 |
| Assets per employee ($millions) | 5.7758% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3926% | 323 |
| Loan loss allowance to noncurrent loans | 1,614.8148% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.8938% | 1,982 |
| Noncurrent loans to loans | 0.1482% | 4,518 |
| Net loans and leases to total assets | 38.4950% | 5,287 |
| Net loans and leases to deposits | 49.0933% | 5,174 |
| Net loans and leases to core deposits | 49.6414% | 5,240 |
| Total domestic deposits to total assets | 78.4119% | 4,748 |
| Equity capital to assets | 21.2159% | 175 |
| Core capital (leverage) ratio | 21.2851% | 158 |
| Tier 1 risk-based capital ratio | 38.9026% | 225 |
| Total risk-based capital ratio | 40.1605% | 221 |
| Memoranda: | ||
| Average total assets | $45,710,000 | 5,329 |
| Average earning assets | $42,285,330 | 5,322 |
| Average equity | $9,531,330 | 4,587 |
| Average total loans | $18,041,000 | 5,461 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2965% | 5,106 |
| Cost of funding earning assets | 0.2293% | 4,726 |
| Net interest margin | 3.0671% | 4,741 |
| Noninterest income to average assets | 0.3519% | 4,026 |
| Noninterest expense to average assets | 1.7949% | 5,382 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1086% | 1,832 |
| Return on assets (ROA) | 1.1086% | 1,873 |
| Pretax return on assets | 1.3814% | 1,944 |
| Return on Equity (ROE) | 5.3643% | 4,214 |
| Retained earnings to average equity (ytd only) | 5.3643% | 2,695 |
| Net charge-offs to loans | -0.0669% | 5,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5097% | 4,888 |
| Assets per employee ($millions) | 5.7705% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1982% | 144 |
| Loan loss allowance to noncurrent loans | 28,250.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.8405% | 2,196 |
| Noncurrent loans to loans | 0.0113% | 5,196 |
| Net loans and leases to total assets | 37.0440% | 5,365 |
| Net loans and leases to deposits | 46.8983% | 5,268 |
| Net loans and leases to core deposits | 47.4185% | 5,324 |
| Total domestic deposits to total assets | 78.9880% | 4,825 |
| Equity capital to assets | 20.5680% | 193 |
| Core capital (leverage) ratio | 20.9345% | 165 |
| Tier 1 risk-based capital ratio | 39.0868% | 236 |
| Total risk-based capital ratio | 40.3506% | 233 |
| Memoranda: | ||
| Average total assets | $45,462,000 | 5,396 |
| Average earning assets | $41,863,000 | 5,384 |
| Average equity | $9,395,500 | 4,641 |
| Average total loans | $17,950,000 | 5,524 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2539% | 5,232 |
| Cost of funding earning assets | 0.1975% | 5,035 |
| Net interest margin | 3.0564% | 4,832 |
| Noninterest income to average assets | 0.3462% | 4,262 |
| Noninterest expense to average assets | 1.7395% | 5,527 |
| Loan and lease loss provision to assets | 0.4060% | 378 |
| Net operating income to assets | 0.7221% | 3,681 |
| Return on assets (ROA) | 0.7501% | 3,656 |
| Pretax return on assets | 1.0856% | 3,156 |
| Return on Equity (ROE) | 3.6029% | 4,980 |
| Retained earnings to average equity (ytd only) | 0.5235% | 5,121 |
| Net charge-offs to loans | 0.1965% | 1,411 |
| Credit loss provision to net charge-offs | 527.7778% | 632 |
| Earnings coverage of net charge-offs (x) | 18.8611% | 1,942 |
| Efficiency ratio | 54.5211% | 5,197 |
| Assets per employee ($millions) | 6.3943% | 1,207 |
| Cash dividends to net income (ytd only)* | 85.4701% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0822% | 159 |
| Loan loss allowance to noncurrent loans | 413.2353% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 1.1662% | 1,565 |
| Noncurrent loans to loans | 0.7459% | 2,664 |
| Net loans and leases to total assets | 39.4817% | 5,336 |
| Net loans and leases to deposits | 50.0765% | 5,209 |
| Net loans and leases to core deposits | 50.6506% | 5,280 |
| Total domestic deposits to total assets | 78.8427% | 4,824 |
| Equity capital to assets | 20.7685% | 186 |
| Core capital (leverage) ratio | 20.4739% | 184 |
| Tier 1 risk-based capital ratio | 38.0985% | 248 |
| Total risk-based capital ratio | 39.3629% | 245 |
| Memoranda: | ||
| Average total assets | $46,794,400 | 5,408 |
| Average earning assets | $43,548,000 | 5,389 |
| Average equity | $9,742,200 | 4,628 |
| Average total loans | $18,320,600 | 5,566 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2178% | 5,337 |
| Cost of funding earning assets | 0.1930% | 5,138 |
| Net interest margin | 3.0248% | 4,965 |
| Noninterest income to average assets | 0.3495% | 4,285 |
| Noninterest expense to average assets | 1.5587% | 5,720 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2542% | 1,442 |
| Return on assets (ROA) | 1.2937% | 1,414 |
| Pretax return on assets | 1.6686% | 1,202 |
| Return on Equity (ROE) | 6.2106% | 3,971 |
| Retained earnings to average equity (ytd only) | 6.2106% | 2,058 |
| Net charge-offs to loans | -0.0218% | 5,039 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0683% | 5,553 |
| Assets per employee ($millions) | 6.6257% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2013% | 522 |
| Loan loss allowance to noncurrent loans | 1,053.8462% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.9163% | 2,265 |
| Noncurrent loans to loans | 0.2089% | 4,520 |
| Net loans and leases to total assets | 39.3704% | 5,414 |
| Net loans and leases to deposits | 50.7815% | 5,262 |
| Net loans and leases to core deposits | 51.3527% | 5,335 |
| Total domestic deposits to total assets | 77.5291% | 4,996 |
| Equity capital to assets | 21.8025% | 170 |
| Core capital (leverage) ratio | 20.9154% | 171 |
| Tier 1 risk-based capital ratio | 38.5366% | 252 |
| Total risk-based capital ratio | 39.7899% | 251 |
| Memoranda: | ||
| Average total assets | $47,303,000 | 5,455 |
| Average earning assets | $44,210,750 | 5,431 |
| Average equity | $9,853,750 | 4,645 |
| Average total loans | $18,342,250 | 5,623 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1598% | 5,492 |
| Cost of funding earning assets | 0.1888% | 5,247 |
| Net interest margin | 2.9711% | 5,131 |
| Noninterest income to average assets | 0.3445% | 4,318 |
| Noninterest expense to average assets | 1.5333% | 5,814 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2386% | 1,468 |
| Return on assets (ROA) | 1.2812% | 1,438 |
| Pretax return on assets | 1.6425% | 1,248 |
| Return on Equity (ROE) | 6.2451% | 3,937 |
| Retained earnings to average equity (ytd only) | 6.2451% | 1,992 |
| Net charge-offs to loans | -0.0219% | 4,983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1252% | 5,613 |
| Assets per employee ($millions) | 6.8566% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1568% | 576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8042% | 2,584 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 38.7532% | 5,479 |
| Net loans and leases to deposits | 49.3447% | 5,365 |
| Net loans and leases to core deposits | 49.8740% | 5,439 |
| Total domestic deposits to total assets | 78.5357% | 4,887 |
| Equity capital to assets | 20.8101% | 193 |
| Core capital (leverage) ratio | 20.3630% | 183 |
| Tier 1 risk-based capital ratio | 37.1695% | 283 |
| Total risk-based capital ratio | 38.4245% | 283 |
| Memoranda: | ||
| Average total assets | $47,610,670 | 5,509 |
| Average earning assets | $44,496,000 | 5,490 |
| Average equity | $9,767,670 | 4,691 |
| Average total loans | $18,232,670 | 5,695 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1397% | 5,565 |
| Cost of funding earning assets | 0.1895% | 5,293 |
| Net interest margin | 2.9502% | 5,218 |
| Noninterest income to average assets | 0.3459% | 4,257 |
| Noninterest expense to average assets | 1.5522% | 5,869 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1913% | 1,588 |
| Return on assets (ROA) | 1.2822% | 1,387 |
| Pretax return on assets | 1.6703% | 1,132 |
| Return on Equity (ROE) | 6.2956% | 3,836 |
| Retained earnings to average equity (ytd only) | 6.2956% | 2,236 |
| Net charge-offs to loans | -0.0224% | 4,909 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 5,626 |
| Assets per employee ($millions) | 6.8870% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2835% | 522 |
| Loan loss allowance to noncurrent loans | 40,900.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.8028% | 2,692 |
| Noncurrent loans to loans | 0.0056% | 5,505 |
| Net loans and leases to total assets | 36.3044% | 5,622 |
| Net loans and leases to deposits | 45.8552% | 5,510 |
| Net loans and leases to core deposits | 46.3408% | 5,574 |
| Total domestic deposits to total assets | 79.1719% | 4,928 |
| Equity capital to assets | 20.2410% | 205 |
| Core capital (leverage) ratio | 19.8902% | 202 |
| Tier 1 risk-based capital ratio | 37.7671% | 273 |
| Total risk-based capital ratio | 39.0190% | 270 |
| Memoranda: | ||
| Average total assets | $47,418,000 | 5,566 |
| Average earning assets | $44,335,500 | 5,547 |
| Average equity | $9,657,500 | 4,732 |
| Average total loans | $17,844,000 | 5,758 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2248% | 5,480 |
| Cost of funding earning assets | 0.1925% | 5,343 |
| Net interest margin | 3.0322% | 5,062 |
| Noninterest income to average assets | 0.3780% | 4,197 |
| Noninterest expense to average assets | 1.7032% | 5,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1816% | 1,613 |
| Return on assets (ROA) | 1.2020% | 1,614 |
| Pretax return on assets | 1.5099% | 1,523 |
| Return on Equity (ROE) | 5.9546% | 4,053 |
| Retained earnings to average equity (ytd only) | 2.7985% | 4,077 |
| Net charge-offs to loans | 0.0057% | 4,251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 699.0000% | 92 |
| Efficiency ratio | 53.4310% | 5,557 |
| Assets per employee ($millions) | 6.6610% | 1,021 |
| Cash dividends to net income (ytd only)* | 53.0035% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2895% | 524 |
| Loan loss allowance to noncurrent loans | 40,700.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.8278% | 2,596 |
| Noncurrent loans to loans | 0.0056% | 5,530 |
| Net loans and leases to total assets | 37.2531% | 5,656 |
| Net loans and leases to deposits | 47.1255% | 5,512 |
| Net loans and leases to core deposits | 47.6426% | 5,576 |
| Total domestic deposits to total assets | 79.0508% | 4,972 |
| Equity capital to assets | 20.4967% | 195 |
| Core capital (leverage) ratio | 20.3323% | 188 |
| Tier 1 risk-based capital ratio | 38.2048% | 256 |
| Total risk-based capital ratio | 39.4593% | 253 |
| Memoranda: | ||
| Average total assets | $47,087,800 | 5,609 |
| Average earning assets | $43,631,200 | 5,591 |
| Average equity | $9,505,200 | 4,746 |
| Average total loans | $17,396,800 | 5,815 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2161% | 5,566 |
| Cost of funding earning assets | 0.1922% | 5,444 |
| Net interest margin | 3.0239% | 5,142 |
| Noninterest income to average assets | 0.3785% | 4,223 |
| Noninterest expense to average assets | 1.5309% | 6,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3093% | 1,318 |
| Return on assets (ROA) | 1.3360% | 1,301 |
| Pretax return on assets | 1.6806% | 1,159 |
| Return on Equity (ROE) | 6.6438% | 3,813 |
| Retained earnings to average equity (ytd only) | 6.6438% | 1,869 |
| Net charge-offs to loans | 0.0077% | 3,899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 584.4436% | 129 |
| Efficiency ratio | 48.1778% | 5,859 |
| Assets per employee ($millions) | 6.5909% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2889% | 581 |
| Loan loss allowance to noncurrent loans | 40,800.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.8388% | 2,779 |
| Noncurrent loans to loans | 0.0056% | 5,632 |
| Net loans and leases to total assets | 37.7514% | 5,718 |
| Net loans and leases to deposits | 48.0694% | 5,560 |
| Net loans and leases to core deposits | 48.6060% | 5,630 |
| Total domestic deposits to total assets | 78.5352% | 5,081 |
| Equity capital to assets | 21.0595% | 196 |
| Core capital (leverage) ratio | 20.3720% | 191 |
| Tier 1 risk-based capital ratio | 39.0840% | 262 |
| Total risk-based capital ratio | 40.3398% | 259 |
| Memoranda: | ||
| Average total assets | $47,203,000 | 5,676 |
| Average earning assets | $43,695,500 | 5,661 |
| Average equity | $9,492,250 | 4,808 |
| Average total loans | $17,301,750 | 5,890 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1359% | 5,697 |
| Cost of funding earning assets | 0.1912% | 5,521 |
| Net interest margin | 2.9447% | 5,350 |
| Noninterest income to average assets | 0.3743% | 4,267 |
| Noninterest expense to average assets | 1.4887% | 6,119 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2762% | 1,389 |
| Return on assets (ROA) | 1.2994% | 1,383 |
| Pretax return on assets | 1.6359% | 1,237 |
| Return on Equity (ROE) | 6.5621% | 3,851 |
| Retained earnings to average equity (ytd only) | 6.5621% | 1,919 |
| Net charge-offs to loans | 0.0117% | 3,502 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 382.0000% | 179 |
| Efficiency ratio | 48.0978% | 5,953 |
| Assets per employee ($millions) | 6.8343% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2964% | 632 |
| Loan loss allowance to noncurrent loans | 3,138.4615% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.8340% | 2,890 |
| Noncurrent loans to loans | 0.0732% | 5,437 |
| Net loans and leases to total assets | 36.2855% | 5,802 |
| Net loans and leases to deposits | 45.4662% | 5,705 |
| Net loans and leases to core deposits | 45.9476% | 5,769 |
| Total domestic deposits to total assets | 79.8077% | 4,906 |
| Equity capital to assets | 19.8328% | 232 |
| Core capital (leverage) ratio | 20.0769% | 202 |
| Tier 1 risk-based capital ratio | 39.0217% | 278 |
| Total risk-based capital ratio | 40.2766% | 277 |
| Memoranda: | ||
| Average total assets | $47,558,670 | 5,733 |
| Average earning assets | $43,943,330 | 5,714 |
| Average equity | $9,417,670 | 4,854 |
| Average total loans | $17,127,330 | 5,955 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1280% | 5,749 |
| Cost of funding earning assets | 0.1904% | 5,597 |
| Net interest margin | 2.9376% | 5,373 |
| Noninterest income to average assets | 0.3965% | 4,030 |
| Noninterest expense to average assets | 1.4762% | 6,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3093% | 1,241 |
| Return on assets (ROA) | 1.3160% | 1,310 |
| Pretax return on assets | 1.6618% | 1,133 |
| Return on Equity (ROE) | 6.6507% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.6507% | 2,163 |
| Net charge-offs to loans | -0.0238% | 5,124 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1698% | 6,058 |
| Assets per employee ($millions) | 6.8167% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4821% | 543 |
| Loan loss allowance to noncurrent loans | 4,544.4444% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.8278% | 3,026 |
| Noncurrent loans to loans | 0.0546% | 5,558 |
| Net loans and leases to total assets | 33.6756% | 5,936 |
| Net loans and leases to deposits | 42.3269% | 5,818 |
| Net loans and leases to core deposits | 42.7777% | 5,873 |
| Total domestic deposits to total assets | 79.5607% | 5,155 |
| Equity capital to assets | 19.8776% | 234 |
| Core capital (leverage) ratio | 19.4692% | 226 |
| Tier 1 risk-based capital ratio | 40.2362% | 260 |
| Total risk-based capital ratio | 41.4907% | 256 |
| Memoranda: | ||
| Average total assets | $47,418,000 | 5,786 |
| Average earning assets | $44,117,500 | 5,754 |
| Average equity | $9,382,500 | 4,900 |
| Average total loans | $16,807,500 | 6,025 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2160% | 5,815 |
| Cost of funding earning assets | 0.2004% | 5,743 |
| Net interest margin | 3.0156% | 5,418 |
| Noninterest income to average assets | 0.3226% | 4,810 |
| Noninterest expense to average assets | 1.6599% | 6,197 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1630% | 1,705 |
| Return on assets (ROA) | 1.1781% | 1,720 |
| Pretax return on assets | 1.4922% | 1,574 |
| Return on Equity (ROE) | 6.1090% | 4,090 |
| Retained earnings to average equity (ytd only) | 3.3572% | 3,823 |
| Net charge-offs to loans | 0.0173% | 4,513 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 231.3333% | 235 |
| Efficiency ratio | 52.9810% | 5,912 |
| Assets per employee ($millions) | 6.7313% | 940 |
| Cash dividends to net income (ytd only)* | 45.0450% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3808% | 637 |
| Loan loss allowance to noncurrent loans | 10,200.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.8277% | 3,144 |
| Noncurrent loans to loans | 0.0233% | 5,795 |
| Net loans and leases to total assets | 35.5037% | 5,976 |
| Net loans and leases to deposits | 45.0710% | 5,840 |
| Net loans and leases to core deposits | 45.5620% | 5,914 |
| Total domestic deposits to total assets | 78.7729% | 5,296 |
| Equity capital to assets | 19.6948% | 235 |
| Core capital (leverage) ratio | 19.6000% | 224 |
| Tier 1 risk-based capital ratio | 38.2450% | 263 |
| Total risk-based capital ratio | 39.4998% | 262 |
| Memoranda: | ||
| Average total assets | $47,111,200 | 5,856 |
| Average earning assets | $43,905,200 | 5,831 |
| Average equity | $9,085,000 | 4,956 |
| Average total loans | $17,304,800 | 6,076 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2026% | 5,895 |
| Cost of funding earning assets | 0.2026% | 5,805 |
| Net interest margin | 3.0000% | 5,504 |
| Noninterest income to average assets | 0.3198% | 4,875 |
| Noninterest expense to average assets | 1.5255% | 6,339 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2606% | 1,497 |
| Return on assets (ROA) | 1.2651% | 1,535 |
| Pretax return on assets | 1.6076% | 1,303 |
| Return on Equity (ROE) | 6.5955% | 3,905 |
| Retained earnings to average equity (ytd only) | 6.5955% | 2,042 |
| Net charge-offs to loans | 0.0154% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 282.6404% | 242 |
| Efficiency ratio | 48.7783% | 6,169 |
| Assets per employee ($millions) | 6.6366% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3567% | 776 |
| Loan loss allowance to noncurrent loans | 5,125.0000% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.8481% | 3,293 |
| Noncurrent loans to loans | 0.0460% | 5,829 |
| Net loans and leases to total assets | 36.5658% | 6,010 |
| Net loans and leases to deposits | 46.0477% | 5,859 |
| Net loans and leases to core deposits | 46.5525% | 5,937 |
| Total domestic deposits to total assets | 79.4085% | 5,238 |
| Equity capital to assets | 20.1610% | 226 |
| Core capital (leverage) ratio | 19.7201% | 221 |
| Tier 1 risk-based capital ratio | 38.5625% | 264 |
| Total risk-based capital ratio | 39.8165% | 262 |
| Memoranda: | ||
| Average total assets | $47,109,250 | 5,928 |
| Average earning assets | $44,088,250 | 5,899 |
| Average equity | $9,036,250 | 5,002 |
| Average total loans | $17,346,750 | 6,132 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1706% | 5,987 |
| Cost of funding earning assets | 0.2032% | 5,880 |
| Net interest margin | 2.9674% | 5,595 |
| Noninterest income to average assets | 0.3127% | 4,917 |
| Noninterest expense to average assets | 1.5044% | 6,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2569% | 1,426 |
| Return on assets (ROA) | 1.2635% | 1,471 |
| Pretax return on assets | 1.5932% | 1,265 |
| Return on Equity (ROE) | 6.6993% | 3,781 |
| Retained earnings to average equity (ytd only) | 6.6993% | 1,927 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7004% | 6,247 |
| Assets per employee ($millions) | 7.8610% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4324% | 779 |
| Loan loss allowance to noncurrent loans | 104.3038% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.8375% | 3,463 |
| Noncurrent loans to loans | 2.3320% | 1,382 |
| Net loans and leases to total assets | 35.0380% | 6,104 |
| Net loans and leases to deposits | 43.7381% | 5,998 |
| Net loans and leases to core deposits | 44.2061% | 6,057 |
| Total domestic deposits to total assets | 80.1086% | 5,209 |
| Equity capital to assets | 19.5035% | 239 |
| Core capital (leverage) ratio | 19.3340% | 225 |
| Tier 1 risk-based capital ratio | 38.7953% | 266 |
| Total risk-based capital ratio | 40.0518% | 263 |
| Memoranda: | ||
| Average total assets | $47,327,000 | 5,975 |
| Average earning assets | $44,281,330 | 5,944 |
| Average equity | $8,926,330 | 5,046 |
| Average total loans | $17,330,000 | 6,183 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1870% | 6,021 |
| Cost of funding earning assets | 0.2082% | 5,934 |
| Net interest margin | 2.9787% | 5,574 |
| Noninterest income to average assets | 0.3206% | 4,805 |
| Noninterest expense to average assets | 1.5272% | 6,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2504% | 1,346 |
| Return on assets (ROA) | 1.2572% | 1,379 |
| Pretax return on assets | 1.5778% | 1,216 |
| Return on Equity (ROE) | 6.7804% | 3,596 |
| Retained earnings to average equity (ytd only) | 6.7804% | 2,154 |
| Net charge-offs to loans | 0.0913% | 2,247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 46.5000% | 797 |
| Efficiency ratio | 49.3188% | 6,297 |
| Assets per employee ($millions) | 6.8870% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3600% | 955 |
| Loan loss allowance to noncurrent loans | 102.0000% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.8297% | 3,650 |
| Noncurrent loans to loans | 2.3137% | 1,537 |
| Net loans and leases to total assets | 35.0142% | 6,122 |
| Net loans and leases to deposits | 43.1316% | 6,018 |
| Net loans and leases to core deposits | 43.5770% | 6,091 |
| Total domestic deposits to total assets | 81.1799% | 5,186 |
| Equity capital to assets | 18.4862% | 292 |
| Core capital (leverage) ratio | 18.6721% | 266 |
| Tier 1 risk-based capital ratio | 37.4235% | 283 |
| Total risk-based capital ratio | 38.6809% | 277 |
| Memoranda: | ||
| Average total assets | $47,407,500 | 6,027 |
| Average earning assets | $44,180,000 | 5,999 |
| Average equity | $8,790,000 | 5,108 |
| Average total loans | $17,526,000 | 6,237 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9857% | 6,356 |
| Cost of funding earning assets | 0.2304% | 6,098 |
| Net interest margin | 2.7554% | 6,054 |
| Noninterest income to average assets | 0.2603% | 5,486 |
| Noninterest expense to average assets | 1.7056% | 6,437 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8869% | 2,846 |
| Return on assets (ROA) | 0.9629% | 2,569 |
| Pretax return on assets | 1.2337% | 2,442 |
| Return on Equity (ROE) | 5.1534% | 4,560 |
| Retained earnings to average equity (ytd only) | 2.8881% | 4,190 |
| Net charge-offs to loans | 0.0175% | 5,098 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 179.0000% | 256 |
| Efficiency ratio | 60.0149% | 5,471 |
| Assets per employee ($millions) | 6.6580% | 917 |
| Cash dividends to net income (ytd only)* | 43.9560% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3193% | 1,022 |
| Loan loss allowance to noncurrent loans | 93.6364% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 0.9441% | 3,542 |
| Noncurrent loans to loans | 2.4769% | 1,534 |
| Net loans and leases to total assets | 37.2313% | 6,142 |
| Net loans and leases to deposits | 45.9339% | 6,016 |
| Net loans and leases to core deposits | 46.4255% | 6,114 |
| Total domestic deposits to total assets | 81.0539% | 5,160 |
| Equity capital to assets | 18.5985% | 280 |
| Core capital (leverage) ratio | 19.1383% | 231 |
| Tier 1 risk-based capital ratio | 36.5214% | 286 |
| Total risk-based capital ratio | 37.7773% | 283 |
| Memoranda: | ||
| Average total assets | $47,255,000 | 6,085 |
| Average earning assets | $44,277,400 | 6,043 |
| Average equity | $8,829,200 | 5,130 |
| Average total loans | $17,152,200 | 6,316 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9108% | 6,487 |
| Cost of funding earning assets | 0.2391% | 6,163 |
| Net interest margin | 2.6717% | 6,220 |
| Noninterest income to average assets | 0.2587% | 5,592 |
| Noninterest expense to average assets | 1.5578% | 6,594 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9477% | 2,607 |
| Return on assets (ROA) | 1.0179% | 2,393 |
| Pretax return on assets | 1.3047% | 2,314 |
| Return on Equity (ROE) | 5.4417% | 4,501 |
| Retained earnings to average equity (ytd only) | 5.4417% | 2,766 |
| Net charge-offs to loans | -0.0157% | 5,988 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1866% | 5,881 |
| Assets per employee ($millions) | 6.6100% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5833% | 849 |
| Loan loss allowance to noncurrent loans | 88.9126% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.0136% | 3,623 |
| Noncurrent loans to loans | 2.9055% | 1,410 |
| Net loans and leases to total assets | 33.9853% | 6,358 |
| Net loans and leases to deposits | 42.1491% | 6,295 |
| Net loans and leases to core deposits | 42.6059% | 6,369 |
| Total domestic deposits to total assets | 80.6311% | 5,326 |
| Equity capital to assets | 19.0123% | 254 |
| Core capital (leverage) ratio | 19.2507% | 230 |
| Tier 1 risk-based capital ratio | 39.2851% | 249 |
| Total risk-based capital ratio | 40.5410% | 247 |
| Memoranda: | ||
| Average total assets | $47,417,250 | 6,151 |
| Average earning assets | $44,614,750 | 6,101 |
| Average equity | $8,869,500 | 5,174 |
| Average total loans | $16,999,250 | 6,387 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8458% | 6,582 |
| Cost of funding earning assets | 0.2446% | 6,213 |
| Net interest margin | 2.6013% | 6,336 |
| Noninterest income to average assets | 0.2594% | 5,600 |
| Noninterest expense to average assets | 1.4477% | 6,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9752% | 2,446 |
| Return on assets (ROA) | 1.0042% | 2,451 |
| Pretax return on assets | 1.2971% | 2,310 |
| Return on Equity (ROE) | 5.3971% | 4,519 |
| Retained earnings to average equity (ytd only) | 5.3971% | 2,815 |
| Net charge-offs to loans | -0.0116% | 5,805 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4776% | 6,180 |
| Assets per employee ($millions) | 6.7216% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2557% | 1,326 |
| Loan loss allowance to noncurrent loans | 91.8322% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.9628% | 3,855 |
| Noncurrent loans to loans | 2.4563% | 1,900 |
| Net loans and leases to total assets | 38.3116% | 6,159 |
| Net loans and leases to deposits | 48.4192% | 5,956 |
| Net loans and leases to core deposits | 48.9451% | 6,080 |
| Total domestic deposits to total assets | 79.1248% | 5,786 |
| Equity capital to assets | 18.6904% | 274 |
| Core capital (leverage) ratio | 18.4672% | 253 |
| Tier 1 risk-based capital ratio | 35.8015% | 315 |
| Total risk-based capital ratio | 37.0552% | 306 |
| Memoranda: | ||
| Average total assets | $47,799,670 | 6,186 |
| Average earning assets | $44,978,330 | 6,137 |
| Average equity | $8,893,670 | 5,197 |
| Average total loans | $17,285,000 | 6,412 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8837% | 6,625 |
| Cost of funding earning assets | 0.2662% | 6,186 |
| Net interest margin | 2.6175% | 6,347 |
| Noninterest income to average assets | 0.2740% | 5,488 |
| Noninterest expense to average assets | 1.4448% | 6,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9881% | 2,281 |
| Return on assets (ROA) | 0.9881% | 2,402 |
| Pretax return on assets | 1.2787% | 2,302 |
| Return on Equity (ROE) | 5.3223% | 4,390 |
| Retained earnings to average equity (ytd only) | 5.3223% | 3,044 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0488% | 6,301 |
| Assets per employee ($millions) | 7.1061% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5118% | 1,100 |
| Loan loss allowance to noncurrent loans | 74.1071% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 1.1258% | 3,686 |
| Noncurrent loans to loans | 3.3894% | 1,427 |
| Net loans and leases to total assets | 32.3804% | 6,498 |
| Net loans and leases to deposits | 39.8028% | 6,427 |
| Net loans and leases to core deposits | 40.2002% | 6,473 |
| Total domestic deposits to total assets | 81.3522% | 5,404 |
| Equity capital to assets | 18.0548% | 333 |
| Core capital (leverage) ratio | 17.7866% | 296 |
| Tier 1 risk-based capital ratio | 37.2066% | 287 |
| Total risk-based capital ratio | 38.4635% | 281 |
| Memoranda: | ||
| Average total assets | $48,174,000 | 6,238 |
| Average earning assets | $45,081,500 | 6,187 |
| Average equity | $8,943,500 | 5,232 |
| Average total loans | $16,706,500 | 6,499 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3983% | 6,486 |
| Cost of funding earning assets | 0.3317% | 6,304 |
| Net interest margin | 3.0666% | 5,892 |
| Noninterest income to average assets | 0.1694% | 6,182 |
| Noninterest expense to average assets | 1.6482% | 6,761 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0271% | 2,223 |
| Return on assets (ROA) | 1.0271% | 2,434 |
| Pretax return on assets | 1.3724% | 2,133 |
| Return on Equity (ROE) | 5.3190% | 4,523 |
| Retained earnings to average equity (ytd only) | 2.5077% | 4,465 |
| Net charge-offs to loans | -0.0124% | 6,495 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5651% | 6,213 |
| Assets per employee ($millions) | 6.6579% | 917 |
| Cash dividends to net income (ytd only)* | 52.8541% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4510% | 1,181 |
| Loan loss allowance to noncurrent loans | 77.2388% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.1501% | 3,742 |
| Noncurrent loans to loans | 3.1733% | 1,626 |
| Net loans and leases to total assets | 35.3546% | 6,474 |
| Net loans and leases to deposits | 44.0951% | 6,362 |
| Net loans and leases to core deposits | 44.5722% | 6,436 |
| Total domestic deposits to total assets | 80.1781% | 5,611 |
| Equity capital to assets | 19.1095% | 262 |
| Core capital (leverage) ratio | 17.9905% | 283 |
| Tier 1 risk-based capital ratio | 37.2359% | 285 |
| Total risk-based capital ratio | 38.4939% | 282 |
| Memoranda: | ||
| Average total assets | $46,050,800 | 6,328 |
| Average earning assets | $42,815,600 | 6,279 |
| Average equity | $8,892,600 | 5,252 |
| Average total loans | $16,158,600 | 6,591 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4294% | 6,591 |
| Cost of funding earning assets | 0.3467% | 6,392 |
| Net interest margin | 3.0827% | 5,977 |
| Noninterest income to average assets | 0.3340% | 5,132 |
| Noninterest expense to average assets | 1.4491% | 6,964 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2487% | 1,580 |
| Return on assets (ROA) | 1.2487% | 1,745 |
| Pretax return on assets | 1.7511% | 1,157 |
| Return on Equity (ROE) | 6.4496% | 4,094 |
| Retained earnings to average equity (ytd only) | 6.4496% | 2,405 |
| Net charge-offs to loans | -0.0083% | 6,336 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2813% | 6,854 |
| Assets per employee ($millions) | 6.7286% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4795% | 1,230 |
| Loan loss allowance to noncurrent loans | 376.3636% | 998 |
| Noncurrent assets plus other real estate owned to assets | 1.0892% | 4,114 |
| Noncurrent loans to loans | 0.6588% | 5,127 |
| Net loans and leases to total assets | 34.5711% | 6,631 |
| Net loans and leases to deposits | 43.4410% | 6,531 |
| Net loans and leases to core deposits | 43.9096% | 6,599 |
| Total domestic deposits to total assets | 79.5817% | 5,752 |
| Equity capital to assets | 19.5074% | 264 |
| Core capital (leverage) ratio | 18.5905% | 267 |
| Tier 1 risk-based capital ratio | 37.4542% | 304 |
| Total risk-based capital ratio | 38.7109% | 299 |
| Memoranda: | ||
| Average total assets | $45,912,250 | 6,403 |
| Average earning assets | $42,688,250 | 6,356 |
| Average equity | $8,889,250 | 5,300 |
| Average total loans | $15,975,500 | 6,684 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4618% | 6,653 |
| Cost of funding earning assets | 0.3651% | 6,447 |
| Net interest margin | 3.0966% | 6,019 |
| Noninterest income to average assets | 0.3515% | 5,028 |
| Noninterest expense to average assets | 1.4676% | 7,023 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2567% | 1,552 |
| Return on assets (ROA) | 1.2567% | 1,715 |
| Pretax return on assets | 1.7532% | 1,132 |
| Return on Equity (ROE) | 6.5076% | 4,046 |
| Retained earnings to average equity (ytd only) | 6.5076% | 2,378 |
| Net charge-offs to loans | -0.0127% | 6,328 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5662% | 6,902 |
| Assets per employee ($millions) | 6.7427% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5336% | 1,242 |
| Loan loss allowance to noncurrent loans | 408.9109% | 892 |
| Noncurrent assets plus other real estate owned to assets | 1.0721% | 4,240 |
| Noncurrent loans to loans | 0.6196% | 5,273 |
| Net loans and leases to total assets | 33.6617% | 6,741 |
| Net loans and leases to deposits | 41.9054% | 6,651 |
| Net loans and leases to core deposits | 42.3522% | 6,718 |
| Total domestic deposits to total assets | 80.3280% | 5,654 |
| Equity capital to assets | 18.9644% | 281 |
| Core capital (leverage) ratio | 18.8965% | 249 |
| Tier 1 risk-based capital ratio | 37.3467% | 296 |
| Total risk-based capital ratio | 38.6034% | 287 |
| Memoranda: | ||
| Average total assets | $45,516,330 | 6,447 |
| Average earning assets | $42,175,000 | 6,411 |
| Average equity | $8,789,670 | 5,323 |
| Average total loans | $15,735,000 | 6,751 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5635% | 6,620 |
| Cost of funding earning assets | 0.4078% | 6,373 |
| Net interest margin | 3.1556% | 5,894 |
| Noninterest income to average assets | 0.4029% | 4,648 |
| Noninterest expense to average assets | 1.5400% | 7,024 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2893% | 1,479 |
| Return on assets (ROA) | 1.2893% | 1,652 |
| Pretax return on assets | 1.7728% | 1,141 |
| Return on Equity (ROE) | 6.6138% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.6138% | 2,624 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4865% | 6,872 |
| Assets per employee ($millions) | 6.5193% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8683% | 940 |
| Loan loss allowance to noncurrent loans | 750.9091% | 493 |
| Noncurrent assets plus other real estate owned to assets | 1.0080% | 4,471 |
| Noncurrent loans to loans | 0.3820% | 5,910 |
| Net loans and leases to total assets | 30.6475% | 6,879 |
| Net loans and leases to deposits | 38.1849% | 6,813 |
| Net loans and leases to core deposits | 38.6066% | 6,862 |
| Total domestic deposits to total assets | 80.2608% | 5,786 |
| Equity capital to assets | 19.1520% | 268 |
| Core capital (leverage) ratio | 18.4829% | 267 |
| Tier 1 risk-based capital ratio | 39.8277% | 231 |
| Total risk-based capital ratio | 41.0872% | 229 |
| Memoranda: | ||
| Average total assets | $44,675,000 | 6,519 |
| Average earning assets | $41,196,000 | 6,482 |
| Average equity | $8,709,000 | 5,359 |
| Average total loans | $15,452,000 | 6,823 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9733% | 6,504 |
| Cost of funding earning assets | 0.6252% | 5,960 |
| Net interest margin | 3.3481% | 5,655 |
| Noninterest income to average assets | 0.8109% | 1,996 |
| Noninterest expense to average assets | 2.1516% | 6,381 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4267% | 976 |
| Return on assets (ROA) | 1.4267% | 1,052 |
| Pretax return on assets | 1.7078% | 971 |
| Return on Equity (ROE) | 7.2639% | 3,268 |
| Retained earnings to average equity (ytd only) | 4.3063% | 3,118 |
| Net charge-offs to loans | 0.0552% | 5,765 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 81.6667% | 360 |
| Efficiency ratio | 55.7495% | 6,345 |
| Assets per employee ($millions) | 6.2450% | 1,075 |
| Cash dividends to net income (ytd only)* | 40.7166% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4962% | 1,320 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9265% | 4,755 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 36.8135% | 6,716 |
| Net loans and leases to deposits | 46.3135% | 6,609 |
| Net loans and leases to core deposits | 46.8528% | 6,698 |
| Total domestic deposits to total assets | 79.4876% | 5,872 |
| Equity capital to assets | 19.8513% | 240 |
| Core capital (leverage) ratio | 19.0023% | 244 |
| Tier 1 risk-based capital ratio | 35.5500% | 317 |
| Total risk-based capital ratio | 36.8043% | 314 |
| Memoranda: | ||
| Average total assets | $43,036,800 | 6,564 |
| Average earning assets | $39,186,400 | 6,562 |
| Average equity | $8,452,800 | 5,418 |
| Average total loans | $16,298,800 | 6,834 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9353% | 6,682 |
| Cost of funding earning assets | 0.6718% | 5,919 |
| Net interest margin | 3.2635% | 5,973 |
| Noninterest income to average assets | 0.3546% | 5,021 |
| Noninterest expense to average assets | 1.8817% | 6,869 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0886% | 2,016 |
| Return on assets (ROA) | 1.0886% | 2,158 |
| Pretax return on assets | 1.4494% | 1,788 |
| Return on Equity (ROE) | 5.5578% | 4,247 |
| Retained earnings to average equity (ytd only) | 5.5578% | 2,818 |
| Net charge-offs to loans | -0.0082% | 6,758 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4893% | 6,212 |
| Assets per employee ($millions) | 5.4819% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2459% | 1,789 |
| Loan loss allowance to noncurrent loans | 101.6827% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.9486% | 4,852 |
| Noncurrent loans to loans | 2.2088% | 3,099 |
| Net loans and leases to total assets | 41.9815% | 6,506 |
| Net loans and leases to deposits | 53.1756% | 6,275 |
| Net loans and leases to core deposits | 53.7972% | 6,472 |
| Total domestic deposits to total assets | 78.9488% | 5,995 |
| Equity capital to assets | 19.8107% | 253 |
| Core capital (leverage) ratio | 19.1244% | 256 |
| Tier 1 risk-based capital ratio | 33.2444% | 413 |
| Total risk-based capital ratio | 34.4988% | 404 |
| Memoranda: | ||
| Average total assets | $42,867,250 | 6,632 |
| Average earning assets | $39,098,000 | 6,624 |
| Average equity | $8,396,500 | 5,469 |
| Average total loans | $16,247,250 | 6,903 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8408% | 6,878 |
| Cost of funding earning assets | 0.7195% | 5,834 |
| Net interest margin | 3.1213% | 6,367 |
| Noninterest income to average assets | 0.3432% | 5,133 |
| Noninterest expense to average assets | 1.8572% | 7,002 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0015% | 2,225 |
| Return on assets (ROA) | 1.0015% | 2,323 |
| Pretax return on assets | 1.3212% | 2,073 |
| Return on Equity (ROE) | 5.1329% | 4,389 |
| Retained earnings to average equity (ytd only) | 5.1329% | 2,922 |
| Net charge-offs to loans | -0.0130% | 6,744 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4320% | 6,105 |
| Assets per employee ($millions) | 5.5119% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3457% | 1,669 |
| Loan loss allowance to noncurrent loans | 101.6827% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.9434% | 4,979 |
| Noncurrent loans to loans | 2.3069% | 3,092 |
| Net loans and leases to total assets | 39.9365% | 6,750 |
| Net loans and leases to deposits | 51.4988% | 6,505 |
| Net loans and leases to core deposits | 52.1083% | 6,657 |
| Total domestic deposits to total assets | 77.5485% | 6,363 |
| Equity capital to assets | 19.1972% | 306 |
| Core capital (leverage) ratio | 19.1770% | 269 |
| Tier 1 risk-based capital ratio | 33.5458% | 401 |
| Total risk-based capital ratio | 34.8000% | 390 |
| Memoranda: | ||
| Average total assets | $42,538,000 | 6,697 |
| Average earning assets | $38,637,330 | 6,698 |
| Average equity | $8,299,330 | 5,521 |
| Average total loans | $15,385,000 | 7,019 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8115% | 6,943 |
| Cost of funding earning assets | 0.7687% | 5,759 |
| Net interest margin | 3.0428% | 6,480 |
| Noninterest income to average assets | 0.3736% | 4,921 |
| Noninterest expense to average assets | 1.8870% | 7,009 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9291% | 2,447 |
| Return on assets (ROA) | 0.9291% | 2,508 |
| Pretax return on assets | 1.2165% | 2,317 |
| Return on Equity (ROE) | 4.7222% | 4,548 |
| Retained earnings to average equity (ytd only) | 4.7222% | 3,369 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8025% | 5,860 |
| Assets per employee ($millions) | 5.3058% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8934% | 1,015 |
| Loan loss allowance to noncurrent loans | 99.2941% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 1.0013% | 4,900 |
| Noncurrent loans to loans | 2.9140% | 2,580 |
| Net loans and leases to total assets | 33.3671% | 7,114 |
| Net loans and leases to deposits | 41.9719% | 7,024 |
| Net loans and leases to core deposits | 42.4754% | 7,092 |
| Total domestic deposits to total assets | 79.4987% | 6,059 |
| Equity capital to assets | 19.4954% | 281 |
| Core capital (leverage) ratio | 19.1037% | 267 |
| Tier 1 risk-based capital ratio | 37.7407% | 279 |
| Total risk-based capital ratio | 38.9995% | 273 |
| Memoranda: | ||
| Average total assets | $41,759,500 | 6,770 |
| Average earning assets | $37,466,000 | 6,786 |
| Average equity | $8,216,500 | 5,553 |
| Average total loans | $14,061,000 | 7,137 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4285% | 6,563 |
| Cost of funding earning assets | 0.9052% | 6,157 |
| Net interest margin | 3.5233% | 5,147 |
| Noninterest income to average assets | 0.3641% | 5,196 |
| Noninterest expense to average assets | 2.2816% | 6,408 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9643% | 2,151 |
| Return on assets (ROA) | 0.9982% | 2,149 |
| Pretax return on assets | 1.3496% | 1,800 |
| Return on Equity (ROE) | 4.7369% | 4,181 |
| Retained earnings to average equity (ytd only) | 1.7159% | 4,655 |
| Net charge-offs to loans | -0.0138% | 7,337 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6364% | 5,413 |
| Assets per employee ($millions) | 5.1341% | 1,967 |
| Cash dividends to net income (ytd only)* | 63.7755% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1174% | 786 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 1.0274% | 4,943 |
| Noncurrent loans to loans | 3.1174% | 2,449 |
| Net loans and leases to total assets | 31.9310% | 7,291 |
| Net loans and leases to deposits | 40.3377% | 7,243 |
| Net loans and leases to core deposits | 40.8402% | 7,286 |
| Total domestic deposits to total assets | 79.1591% | 6,045 |
| Equity capital to assets | 19.8622% | 266 |
| Core capital (leverage) ratio | 19.6617% | 247 |
| Tier 1 risk-based capital ratio | 39.5471% | 246 |
| Total risk-based capital ratio | 40.8080% | 241 |
| Memoranda: | ||
| Average total assets | $39,270,200 | 6,889 |
| Average earning assets | $35,904,200 | 6,880 |
| Average equity | $8,275,400 | 5,624 |
| Average total loans | $14,446,200 | 7,192 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5136% | 6,574 |
| Cost of funding earning assets | 0.9260% | 6,285 |
| Net interest margin | 3.5877% | 4,934 |
| Noninterest income to average assets | 0.3675% | 5,215 |
| Noninterest expense to average assets | 2.1295% | 6,784 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0983% | 1,888 |
| Return on assets (ROA) | 1.1403% | 1,874 |
| Pretax return on assets | 1.5834% | 1,386 |
| Return on Equity (ROE) | 5.3302% | 4,120 |
| Retained earnings to average equity (ytd only) | 5.3302% | 2,749 |
| Net charge-offs to loans | -0.0091% | 7,262 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2707% | 6,227 |
| Assets per employee ($millions) | 4.9636% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7396% | 1,046 |
| Loan loss allowance to noncurrent loans | 99.7630% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 1.0627% | 4,991 |
| Noncurrent loans to loans | 2.7461% | 2,893 |
| Net loans and leases to total assets | 37.6388% | 7,196 |
| Net loans and leases to deposits | 48.6840% | 7,057 |
| Net loans and leases to core deposits | 49.3267% | 7,145 |
| Total domestic deposits to total assets | 77.3124% | 6,417 |
| Equity capital to assets | 21.4108% | 211 |
| Core capital (leverage) ratio | 20.6013% | 225 |
| Tier 1 risk-based capital ratio | 38.2581% | 282 |
| Total risk-based capital ratio | 39.5150% | 278 |
| Memoranda: | ||
| Average total assets | $38,819,500 | 6,988 |
| Average earning assets | $35,565,500 | 6,970 |
| Average equity | $8,304,750 | 5,688 |
| Average total loans | $14,673,500 | 7,275 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4916% | 6,731 |
| Cost of funding earning assets | 0.9456% | 6,396 |
| Net interest margin | 3.5460% | 5,066 |
| Noninterest income to average assets | 0.3790% | 5,092 |
| Noninterest expense to average assets | 2.1182% | 6,843 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0957% | 1,870 |
| Return on assets (ROA) | 1.1629% | 1,723 |
| Pretax return on assets | 1.6250% | 1,230 |
| Return on Equity (ROE) | 5.4376% | 4,076 |
| Retained earnings to average equity (ytd only) | 5.4376% | 2,656 |
| Net charge-offs to loans | -0.0138% | 7,242 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0370% | 6,367 |
| Assets per employee ($millions) | 4.3120% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7983% | 1,001 |
| Loan loss allowance to noncurrent loans | 95.6818% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 1.1338% | 4,869 |
| Noncurrent loans to loans | 2.9246% | 2,733 |
| Net loans and leases to total assets | 37.6830% | 7,283 |
| Net loans and leases to deposits | 48.7320% | 7,124 |
| Net loans and leases to core deposits | 49.3904% | 7,236 |
| Total domestic deposits to total assets | 77.3268% | 6,427 |
| Equity capital to assets | 21.4801% | 223 |
| Core capital (leverage) ratio | 20.7542% | 209 |
| Tier 1 risk-based capital ratio | 38.2112% | 278 |
| Total risk-based capital ratio | 39.4693% | 275 |
| Memoranda: | ||
| Average total assets | $38,523,000 | 7,048 |
| Average earning assets | $35,532,670 | 7,021 |
| Average equity | $8,239,000 | 5,716 |
| Average total loans | $14,442,330 | 7,338 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5370% | 6,710 |
| Cost of funding earning assets | 0.9893% | 6,422 |
| Net interest margin | 3.5477% | 4,953 |
| Noninterest income to average assets | 0.4065% | 4,861 |
| Noninterest expense to average assets | 1.9802% | 7,195 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2119% | 1,507 |
| Return on assets (ROA) | 1.2194% | 1,565 |
| Pretax return on assets | 1.6884% | 1,083 |
| Return on Equity (ROE) | 5.7139% | 4,005 |
| Retained earnings to average equity (ytd only) | 5.7139% | 2,756 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1311% | 6,959 |
| Assets per employee ($millions) | 4.3202% | 3,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0626% | 774 |
| Loan loss allowance to noncurrent loans | 99.7625% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 1.0828% | 4,977 |
| Noncurrent loans to loans | 3.0699% | 2,606 |
| Net loans and leases to total assets | 34.1906% | 7,490 |
| Net loans and leases to deposits | 44.0943% | 7,398 |
| Net loans and leases to core deposits | 44.6872% | 7,466 |
| Total domestic deposits to total assets | 77.5397% | 6,440 |
| Equity capital to assets | 21.1846% | 236 |
| Core capital (leverage) ratio | 20.6293% | 224 |
| Tier 1 risk-based capital ratio | 40.1299% | 251 |
| Total risk-based capital ratio | 41.3882% | 244 |
| Memoranda: | ||
| Average total assets | $38,380,500 | 7,141 |
| Average earning assets | $35,177,500 | 7,120 |
| Average equity | $8,190,500 | 5,776 |
| Average total loans | $14,141,000 | 7,443 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9957% | 6,447 |
| Cost of funding earning assets | 1.1652% | 6,781 |
| Net interest margin | 3.8305% | 3,577 |
| Noninterest income to average assets | 0.3855% | 5,332 |
| Noninterest expense to average assets | 2.2696% | 6,825 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2168% | 1,202 |
| Return on assets (ROA) | 1.2345% | 1,220 |
| Pretax return on assets | 1.6847% | 809 |
| Return on Equity (ROE) | 5.5945% | 3,380 |
| Retained earnings to average equity (ytd only) | 1.9300% | 3,745 |
| Net charge-offs to loans | 0.5332% | 3,649 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 8.1053% | 2,002 |
| Efficiency ratio | 57.7503% | 6,798 |
| Assets per employee ($millions) | 4.2088% | 3,424 |
| Cash dividends to net income (ytd only)* | 65.5022% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8830% | 854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 37.3505% | 7,467 |
| Net loans and leases to deposits | 48.3411% | 7,341 |
| Net loans and leases to core deposits | 51.3427% | 7,550 |
| Total domestic deposits to total assets | 77.2644% | 6,391 |
| Equity capital to assets | 21.5000% | 236 |
| Core capital (leverage) ratio | 21.1245% | 231 |
| Tier 1 risk-based capital ratio | 38.8142% | 269 |
| Total risk-based capital ratio | 40.0741% | 266 |
| Memoranda: | ||
| Average total assets | $37,098,600 | 7,207 |
| Average earning assets | $34,329,600 | 7,174 |
| Average equity | $8,186,600 | 5,868 |
| Average total loans | $14,252,800 | 7,485 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0386% | 6,481 |
| Cost of funding earning assets | 1.1915% | 6,917 |
| Net interest margin | 3.8471% | 3,449 |
| Noninterest income to average assets | 0.3938% | 5,349 |
| Noninterest expense to average assets | 1.9979% | 7,393 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4040% | 1,019 |
| Return on assets (ROA) | 1.4271% | 1,034 |
| Pretax return on assets | 1.9979% | 543 |
| Return on Equity (ROE) | 6.4247% | 3,337 |
| Retained earnings to average equity (ytd only) | 6.4247% | 1,749 |
| Net charge-offs to loans | -0.0188% | 7,757 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4102% | 7,527 |
| Assets per employee ($millions) | 4.1409% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5455% | 399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 36.3529% | 7,607 |
| Net loans and leases to deposits | 49.2601% | 7,444 |
| Net loans and leases to core deposits | 52.2746% | 7,640 |
| Total domestic deposits to total assets | 73.7979% | 6,987 |
| Equity capital to assets | 22.6468% | 226 |
| Core capital (leverage) ratio | 21.9778% | 234 |
| Tier 1 risk-based capital ratio | 41.0717% | 267 |
| Total risk-based capital ratio | 42.3352% | 259 |
| Memoranda: | ||
| Average total assets | $36,903,500 | 7,279 |
| Average earning assets | $34,241,500 | 7,236 |
| Average equity | $8,197,250 | 5,914 |
| Average total loans | $14,174,000 | 7,560 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0605% | 6,580 |
| Cost of funding earning assets | 1.2285% | 7,023 |
| Net interest margin | 3.8319% | 3,405 |
| Noninterest income to average assets | 0.4078% | 5,217 |
| Noninterest expense to average assets | 1.9955% | 7,473 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3904% | 1,044 |
| Return on assets (ROA) | 1.4246% | 1,033 |
| Pretax return on assets | 2.0227% | 530 |
| Return on Equity (ROE) | 6.4561% | 3,461 |
| Retained earnings to average equity (ytd only) | 6.4561% | 1,820 |
| Net charge-offs to loans | -0.0281% | 7,765 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2740% | 7,650 |
| Assets per employee ($millions) | 4.0906% | 3,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4762% | 385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 37.5608% | 7,653 |
| Net loans and leases to deposits | 50.4230% | 7,468 |
| Net loans and leases to core deposits | 53.5181% | 7,667 |
| Total domestic deposits to total assets | 74.4914% | 6,867 |
| Equity capital to assets | 22.2409% | 275 |
| Core capital (leverage) ratio | 21.6540% | 288 |
| Tier 1 risk-based capital ratio | 40.0221% | 306 |
| Total risk-based capital ratio | 41.2892% | 301 |
| Memoranda: | ||
| Average total assets | $36,782,000 | 7,348 |
| Average earning assets | $34,186,670 | 7,308 |
| Average equity | $8,116,330 | 5,978 |
| Average total loans | $14,216,670 | 7,636 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1255% | 6,574 |
| Cost of funding earning assets | 1.2902% | 7,045 |
| Net interest margin | 3.8353% | 3,316 |
| Noninterest income to average assets | 0.4461% | 4,819 |
| Noninterest expense to average assets | 2.0128% | 7,322 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4179% | 1,106 |
| Return on assets (ROA) | 1.4796% | 1,048 |
| Pretax return on assets | 2.0780% | 562 |
| Return on Equity (ROE) | 6.7323% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.7323% | 2,314 |
| Net charge-offs to loans | -0.0565% | 7,733 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2717% | 7,573 |
| Assets per employee ($millions) | 4.0401% | 3,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6580% | 286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 36.0716% | 7,728 |
| Net loans and leases to deposits | 47.3314% | 7,611 |
| Net loans and leases to core deposits | 50.1952% | 7,785 |
| Total domestic deposits to total assets | 76.2108% | 6,472 |
| Equity capital to assets | 22.3289% | 297 |
| Core capital (leverage) ratio | 21.6864% | 319 |
| Tier 1 risk-based capital ratio | 41.0329% | 301 |
| Total risk-based capital ratio | 42.3004% | 295 |
| Memoranda: | ||
| Average total assets | $36,765,500 | 7,389 |
| Average earning assets | $34,104,000 | 7,350 |
| Average equity | $8,080,500 | 6,024 |
| Average total loans | $14,162,000 | 7,677 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3492% | 7,538 |
| Cost of funding earning assets | 1.7990% | 7,012 |
| Net interest margin | 3.5502% | 5,096 |
| Noninterest income to average assets | 0.4143% | 5,352 |
| Noninterest expense to average assets | 2.1348% | 7,149 |
| Loan and lease loss provision to assets | -0.5523% | 8,298 |
| Net operating income to assets | 1.6686% | 719 |
| Return on assets (ROA) | 1.7122% | 634 |
| Pretax return on assets | 2.1734% | 424 |
| Return on Equity (ROE) | 7.8698% | 3,128 |
| Retained earnings to average equity (ytd only) | 4.0618% | 2,601 |
| Net charge-offs to loans | -0.0075% | 7,821 |
| Credit loss provision to net charge-offs | 20,000.0000% | 28 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6866% | 6,754 |
| Assets per employee ($millions) | 4.1300% | 3,252 |
| Cash dividends to net income (ytd only)* | 48.3871% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3719% | 313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 38.2405% | 7,757 |
| Net loans and leases to deposits | 52.6094% | 7,505 |
| Net loans and leases to core deposits | 55.7740% | 7,747 |
| Total domestic deposits to total assets | 72.6877% | 6,885 |
| Equity capital to assets | 21.6357% | 371 |
| Core capital (leverage) ratio | 21.4322% | 356 |
| Tier 1 risk-based capital ratio | 38.2395% | 368 |
| Total risk-based capital ratio | 39.5013% | 361 |
| Memoranda: | ||
| Average total assets | $36,210,000 | 7,369 |
| Average earning assets | $33,519,200 | 7,346 |
| Average equity | $7,878,200 | 6,131 |
| Average total loans | $13,356,000 | 7,747 |