Home > The Hamilton Bank > Performance and Condition Ratios
The Hamilton Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2659% | 2,592 |
| Cost of funding earning assets | 1.5293% | 3,136 |
| Net interest margin | 3.7366% | 1,808 |
| Noninterest income to average assets | 0.4400% | 2,021 |
| Noninterest expense to average assets | 2.4596% | 2,423 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.5840% | 934 |
| Return on assets (ROA) | 1.5840% | 927 |
| Pretax return on assets | 1.5840% | 1,339 |
| Return on Equity (ROE) | 45.4000% | 39 |
| Retained earnings to average equity (ytd only) | 18.4303% | 225 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 60.8266% | 2,855 |
| Assets per employee ($millions) | 7.3979% | 1,947 |
| Cash dividends to net income (ytd only)* | 59.4037% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5286% | 4,238 |
| Loan loss allowance to noncurrent loans | 141.7085% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.1793% | 2,608 |
| Noncurrent loans to loans | 0.3730% | 2,193 |
| Net loans and leases to total assets | 47.8200% | 3,674 |
| Net loans and leases to deposits | 49.8141% | 3,872 |
| Net loans and leases to core deposits | 54.7376% | 3,860 |
| Total domestic deposits to total assets | 96.0000% | 25 |
| Equity capital to assets | 3.7263% | 4,430 |
| Core capital (leverage) ratio | 9.8517% | 2,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1905% | 1,030 |
| Memoranda: | ||
| Average total assets | $110,100,000 | 3,696 |
| Average earning assets | $106,192,000 | 3,645 |
| Average equity | $3,841,500 | 4,307 |
| Average total loans | $54,339,000 | 3,768 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0915% | 2,935 |
| Cost of funding earning assets | 1.5982% | 3,177 |
| Net interest margin | 3.4933% | 2,090 |
| Noninterest income to average assets | 0.3800% | 2,571 |
| Noninterest expense to average assets | 2.3073% | 2,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.4306% | 1,020 |
| Return on assets (ROA) | 1.3516% | 1,170 |
| Pretax return on assets | 1.3468% | 1,641 |
| Return on Equity (ROE) | 36.2300% | 63 |
| Retained earnings to average equity (ytd only) | 15.0788% | 129 |
| Net charge-offs to loans | 0.0157% | 2,346 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 185.0000% | 535 |
| Efficiency ratio | 61.8065% | 2,970 |
| Assets per employee ($millions) | 7.2821% | 1,972 |
| Cash dividends to net income (ytd only)* | 58.3749% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5097% | 4,267 |
| Loan loss allowance to noncurrent loans | 81.7391% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 1,976 |
| Noncurrent loans to loans | 0.6235% | 1,551 |
| Net loans and leases to total assets | 50.3900% | 3,610 |
| Net loans and leases to deposits | 52.2213% | 3,848 |
| Net loans and leases to core deposits | 57.9229% | 3,819 |
| Total domestic deposits to total assets | 96.5000% | 23 |
| Equity capital to assets | 3.2481% | 4,452 |
| Core capital (leverage) ratio | 10.0194% | 2,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5011% | 1,394 |
| Memoranda: | ||
| Average total assets | $103,800,400 | 3,746 |
| Average earning assets | $99,676,400 | 3,704 |
| Average equity | $3,873,000 | 4,313 |
| Average total loans | $51,069,200 | 3,798 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0411% | 2,971 |
| Cost of funding earning assets | 1.6266% | 3,115 |
| Net interest margin | 3.4146% | 2,202 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 2.3310% | 2,705 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.3317% | 1,249 |
| Return on assets (ROA) | 1.2260% | 1,472 |
| Pretax return on assets | 1.2338% | 1,919 |
| Return on Equity (ROE) | 31.7600% | 96 |
| Retained earnings to average equity (ytd only) | 13.2175% | 367 |
| Net charge-offs to loans | 0.0213% | 1,939 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 128.7500% | 679 |
| Efficiency ratio | 63.4881% | 2,775 |
| Assets per employee ($millions) | 6.7351% | 2,320 |
| Cash dividends to net income (ytd only)* | 58.3864% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5586% | 4,268 |
| Loan loss allowance to noncurrent loans | 53.2228% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.5375% | 1,328 |
| Noncurrent loans to loans | 1.0496% | 952 |
| Net loans and leases to total assets | 50.9200% | 3,593 |
| Net loans and leases to deposits | 53.7778% | 3,829 |
| Net loans and leases to core deposits | 59.7834% | 3,792 |
| Total domestic deposits to total assets | 94.6900% | 23 |
| Equity capital to assets | 5.0135% | 4,453 |
| Core capital (leverage) ratio | 10.2848% | 2,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4539% | 1,012 |
| Memoranda: | ||
| Average total assets | $102,442,500 | 3,768 |
| Average earning assets | $98,282,000 | 3,727 |
| Average equity | $3,954,250 | 4,335 |
| Average total loans | $50,004,250 | 3,822 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9442% | 3,044 |
| Cost of funding earning assets | 1.5705% | 3,136 |
| Net interest margin | 3.3737% | 2,239 |
| Noninterest income to average assets | 0.4000% | 2,384 |
| Noninterest expense to average assets | 2.2893% | 2,831 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.3506% | 1,167 |
| Return on assets (ROA) | 1.3215% | 1,233 |
| Pretax return on assets | 1.3215% | 1,644 |
| Return on Equity (ROE) | 37.9500% | 73 |
| Retained earnings to average equity (ytd only) | 16.0156% | 243 |
| Net charge-offs to loans | 0.0324% | 1,521 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 86.8750% | 836 |
| Efficiency ratio | 62.8938% | 2,897 |
| Assets per employee ($millions) | 6.8703% | 2,157 |
| Cash dividends to net income (ytd only)* | 57.7941% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5753% | 4,268 |
| Loan loss allowance to noncurrent loans | 64.7982% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.4328% | 1,501 |
| Noncurrent loans to loans | 0.8879% | 1,065 |
| Net loans and leases to total assets | 48.4600% | 3,727 |
| Net loans and leases to deposits | 51.3632% | 3,918 |
| Net loans and leases to core deposits | 56.9475% | 3,867 |
| Total domestic deposits to total assets | 94.3500% | 74 |
| Equity capital to assets | 3.4526% | 4,492 |
| Core capital (leverage) ratio | 10.2323% | 2,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5630% | 1,379 |
| Memoranda: | ||
| Average total assets | $102,914,333 | 3,783 |
| Average earning assets | $98,822,333 | 3,738 |
| Average equity | $3,584,000 | 4,368 |
| Average total loans | $49,427,333 | 3,839 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8993% | 2,981 |
| Cost of funding earning assets | 1.6129% | 2,952 |
| Net interest margin | 3.2864% | 2,366 |
| Noninterest income to average assets | 0.3800% | 2,422 |
| Noninterest expense to average assets | 2.6292% | 1,881 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9101% | 2,211 |
| Return on assets (ROA) | 0.8518% | 2,404 |
| Pretax return on assets | 0.8518% | 2,799 |
| Return on Equity (ROE) | 24.3500% | 252 |
| Retained earnings to average equity (ytd only) | 10.2307% | 1,060 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 74.2857% | 1,718 |
| Assets per employee ($millions) | 6.8491% | 2,169 |
| Cash dividends to net income (ytd only)* | 57.9909% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6151% | 4,216 |
| Loan loss allowance to noncurrent loans | 47.4441% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.6093% | 1,054 |
| Noncurrent loans to loans | 1.2964% | 624 |
| Net loans and leases to total assets | 46.7100% | 3,777 |
| Net loans and leases to deposits | 48.3882% | 3,983 |
| Net loans and leases to core deposits | 53.4476% | 3,990 |
| Total domestic deposits to total assets | 96.5300% | 39 |
| Equity capital to assets | 3.2034% | 4,511 |
| Core capital (leverage) ratio | 9.8412% | 2,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5647% | 1,382 |
| Memoranda: | ||
| Average total assets | $102,844,500 | 3,804 |
| Average earning assets | $98,953,000 | 3,760 |
| Average equity | $3,597,000 | 4,391 |
| Average total loans | $49,025,000 | 3,861 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5748% | 2,957 |
| Cost of funding earning assets | 1.2635% | 2,620 |
| Net interest margin | 3.3113% | 2,608 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.2001% | 3,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3427% | 1,341 |
| Return on assets (ROA) | 1.3208% | 1,358 |
| Pretax return on assets | 1.3352% | 1,777 |
| Return on Equity (ROE) | 55.3900% | 44 |
| Retained earnings to average equity (ytd only) | 24.2754% | 80 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.8457% | 2,847 |
| Assets per employee ($millions) | 6.8635% | 2,161 |
| Cash dividends to net income (ytd only)* | 56.1773% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5968% | 4,250 |
| Loan loss allowance to noncurrent loans | 69.3925% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 1,340 |
| Noncurrent loans to loans | 0.8601% | 887 |
| Net loans and leases to total assets | 48.0500% | 3,724 |
| Net loans and leases to deposits | 52.3422% | 3,865 |
| Net loans and leases to core deposits | 57.1939% | 3,867 |
| Total domestic deposits to total assets | 91.8000% | 338 |
| Equity capital to assets | 3.7911% | 4,507 |
| Core capital (leverage) ratio | 10.0565% | 2,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9007% | 1,564 |
| Memoranda: | ||
| Average total assets | $104,176,800 | 3,795 |
| Average earning assets | $99,960,000 | 3,746 |
| Average equity | $2,484,000 | 4,458 |
| Average total loans | $48,281,000 | 3,865 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5119% | 2,887 |
| Cost of funding earning assets | 1.1659% | 2,539 |
| Net interest margin | 3.3460% | 2,581 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.2587% | 2,919 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3584% | 1,404 |
| Return on assets (ROA) | 1.2965% | 1,539 |
| Pretax return on assets | 1.3093% | 2,011 |
| Return on Equity (ROE) | 63.6200% | 48 |
| Retained earnings to average equity (ytd only) | 31.4344% | 79 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.2144% | 2,689 |
| Assets per employee ($millions) | 6.7779% | 2,119 |
| Cash dividends to net income (ytd only)* | 50.5906% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6059% | 4,258 |
| Loan loss allowance to noncurrent loans | 147.7612% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 2,276 |
| Noncurrent loans to loans | 0.4100% | 1,804 |
| Net loans and leases to total assets | 47.9200% | 3,743 |
| Net loans and leases to deposits | 51.9186% | 3,878 |
| Net loans and leases to core deposits | 56.0995% | 3,853 |
| Total domestic deposits to total assets | 92.3000% | 403 |
| Equity capital to assets | 0.6079% | 4,585 |
| Core capital (leverage) ratio | 9.5974% | 3,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6834% | 1,661 |
| Memoranda: | ||
| Average total assets | $104,482,750 | 3,802 |
| Average earning assets | $100,177,500 | 3,757 |
| Average equity | $2,129,250 | 4,504 |
| Average total loans | $47,910,250 | 3,880 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3758% | 2,946 |
| Cost of funding earning assets | 1.0236% | 2,521 |
| Net interest margin | 3.3522% | 2,636 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.2595% | 2,919 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3887% | 1,362 |
| Return on assets (ROA) | 1.3887% | 1,340 |
| Pretax return on assets | 1.4020% | 1,809 |
| Return on Equity (ROE) | 55.6000% | 54 |
| Retained earnings to average equity (ytd only) | 26.3578% | 101 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.7098% | 2,749 |
| Assets per employee ($millions) | 7.0176% | 1,912 |
| Cash dividends to net income (ytd only)* | 52.5956% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6073% | 4,295 |
| Loan loss allowance to noncurrent loans | 177.8443% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.1586% | 2,438 |
| Noncurrent loans to loans | 0.3415% | 1,909 |
| Net loans and leases to total assets | 46.1700% | 3,789 |
| Net loans and leases to deposits | 50.5145% | 3,900 |
| Net loans and leases to core deposits | 53.8399% | 3,897 |
| Total domestic deposits to total assets | 91.4100% | 522 |
| Equity capital to assets | 2.7265% | 4,579 |
| Core capital (leverage) ratio | 9.3428% | 3,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4991% | 1,727 |
| Memoranda: | ||
| Average total assets | $105,420,667 | 3,810 |
| Average earning assets | $101,604,000 | 3,759 |
| Average equity | $2,633,000 | 4,499 |
| Average total loans | $47,540,333 | 3,891 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2821% | 2,844 |
| Cost of funding earning assets | 0.9879% | 2,086 |
| Net interest margin | 3.2943% | 2,893 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.3318% | 2,720 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2588% | 1,776 |
| Return on assets (ROA) | 1.2588% | 1,748 |
| Pretax return on assets | 1.2702% | 2,259 |
| Return on Equity (ROE) | 52.8100% | 69 |
| Retained earnings to average equity (ytd only) | 31.1792% | 105 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.7368% | 2,364 |
| Assets per employee ($millions) | 6.3332% | 2,468 |
| Cash dividends to net income (ytd only)* | 40.9639% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6372% | 4,321 |
| Loan loss allowance to noncurrent loans | 873.5294% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 3,466 |
| Noncurrent loans to loans | 0.0729% | 3,209 |
| Net loans and leases to total assets | 43.0100% | 3,907 |
| Net loans and leases to deposits | 45.6429% | 4,051 |
| Net loans and leases to core deposits | 48.1689% | 4,045 |
| Total domestic deposits to total assets | 94.2400% | 148 |
| Equity capital to assets | 2.8663% | 4,603 |
| Core capital (leverage) ratio | 9.0076% | 3,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8454% | 2,031 |
| Memoranda: | ||
| Average total assets | $105,499,000 | 3,862 |
| Average earning assets | $101,631,500 | 3,803 |
| Average equity | $2,514,500 | 4,569 |
| Average total loans | $46,860,000 | 3,948 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8428% | 2,162 |
| Cost of funding earning assets | 0.3861% | 2,209 |
| Net interest margin | 3.4567% | 2,076 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.7060% | 1,541 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1865% | 1,825 |
| Return on assets (ROA) | 1.1865% | 1,761 |
| Pretax return on assets | 1.2009% | 2,431 |
| Return on Equity (ROE) | 30.7400% | 110 |
| Retained earnings to average equity (ytd only) | 14.2267% | 362 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.2629% | 1,790 |
| Assets per employee ($millions) | 6.4583% | 2,372 |
| Cash dividends to net income (ytd only)* | 53.7217% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6304% | 4,305 |
| Loan loss allowance to noncurrent loans | 291.1765% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 2,852 |
| Noncurrent loans to loans | 0.2165% | 2,406 |
| Net loans and leases to total assets | 45.3000% | 3,834 |
| Net loans and leases to deposits | 47.8495% | 3,981 |
| Net loans and leases to core deposits | 49.9019% | 3,978 |
| Total domestic deposits to total assets | 94.6800% | 174 |
| Equity capital to assets | 1.8803% | 4,651 |
| Core capital (leverage) ratio | 9.1884% | 3,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3101% | 1,846 |
| Memoranda: | ||
| Average total assets | $104,174,000 | 3,894 |
| Average earning assets | $99,980,000 | 3,836 |
| Average equity | $4,020,600 | 4,532 |
| Average total loans | $45,375,400 | 3,970 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7603% | 1,860 |
| Cost of funding earning assets | 0.3042% | 2,117 |
| Net interest margin | 3.4560% | 1,792 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.6082% | 1,695 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3309% | 1,264 |
| Return on assets (ROA) | 1.3309% | 1,241 |
| Pretax return on assets | 1.3322% | 1,944 |
| Return on Equity (ROE) | 30.6000% | 99 |
| Retained earnings to average equity (ytd only) | 15.3006% | 337 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.1912% | 2,252 |
| Assets per employee ($millions) | 5.6704% | 3,057 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6495% | 4,331 |
| Loan loss allowance to noncurrent loans | 291.1765% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 2,956 |
| Noncurrent loans to loans | 0.2231% | 2,497 |
| Net loans and leases to total assets | 44.5100% | 3,847 |
| Net loans and leases to deposits | 44.9173% | 4,072 |
| Net loans and leases to core deposits | 46.7679% | 4,069 |
| Total domestic deposits to total assets | 99.0900% | 29 |
| Equity capital to assets | 0.2420% | 4,713 |
| Core capital (leverage) ratio | 8.8283% | 3,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4132% | 1,897 |
| Memoranda: | ||
| Average total assets | $104,384,250 | 3,914 |
| Average earning assets | $99,919,500 | 3,863 |
| Average equity | $4,540,000 | 4,522 |
| Average total loans | $44,941,500 | 4,001 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6241% | 1,765 |
| Cost of funding earning assets | 0.2503% | 2,262 |
| Net interest margin | 3.3737% | 1,679 |
| Noninterest income to average assets | 0.7075% | 1,304 |
| Noninterest expense to average assets | 2.5163% | 1,877 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4188% | 864 |
| Return on assets (ROA) | 1.4188% | 844 |
| Pretax return on assets | 1.4207% | 1,382 |
| Return on Equity (ROE) | 24.9874% | 111 |
| Retained earnings to average equity (ytd only) | 14.2690% | 332 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9130% | 2,780 |
| Assets per employee ($millions) | 6.7639% | 2,103 |
| Cash dividends to net income (ytd only)* | 42.8954% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6775% | 4,370 |
| Loan loss allowance to noncurrent loans | 277.5701% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 3,014 |
| Noncurrent loans to loans | 0.2441% | 2,508 |
| Net loans and leases to total assets | 40.2312% | 4,062 |
| Net loans and leases to deposits | 41.4586% | 4,209 |
| Net loans and leases to core deposits | 42.9807% | 4,227 |
| Total domestic deposits to total assets | 97.0394% | 46 |
| Equity capital to assets | 2.8987% | 4,695 |
| Core capital (leverage) ratio | 8.7112% | 3,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4903% | 2,294 |
| Memoranda: | ||
| Average total assets | $105,156,333 | 3,944 |
| Average earning assets | $100,659,667 | 3,909 |
| Average equity | $5,971,000 | 4,415 |
| Average total loans | $44,680,333 | 4,055 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5619% | 1,617 |
| Cost of funding earning assets | 0.2342% | 2,334 |
| Net interest margin | 3.3277% | 1,506 |
| Noninterest income to average assets | 0.4902% | 2,194 |
| Noninterest expense to average assets | 2.7909% | 1,175 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8801% | 2,364 |
| Return on assets (ROA) | 0.8801% | 2,364 |
| Pretax return on assets | 0.8801% | 2,854 |
| Return on Equity (ROE) | 12.3443% | 1,211 |
| Retained earnings to average equity (ytd only) | 5.4683% | 2,423 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0252% | 1,516 |
| Assets per employee ($millions) | 6.1795% | 2,643 |
| Cash dividends to net income (ytd only)* | 55.7018% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6776% | 4,426 |
| Loan loss allowance to noncurrent loans | 77.5457% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 0.3646% | 1,653 |
| Noncurrent loans to loans | 0.8739% | 1,070 |
| Net loans and leases to total assets | 41.4389% | 3,921 |
| Net loans and leases to deposits | 43.7908% | 4,075 |
| Net loans and leases to core deposits | 45.5890% | 4,098 |
| Total domestic deposits to total assets | 94.6293% | 64 |
| Equity capital to assets | 5.3108% | 4,687 |
| Core capital (leverage) ratio | 8.6499% | 3,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3009% | 2,482 |
| Memoranda: | ||
| Average total assets | $103,623,500 | 3,976 |
| Average earning assets | $99,047,000 | 3,939 |
| Average equity | $7,388,000 | 4,325 |
| Average total loans | $45,102,500 | 4,057 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 1,964 |
| Cost of funding earning assets | 0.2611% | 2,792 |
| Net interest margin | 3.4981% | 1,737 |
| Noninterest income to average assets | 0.4285% | 2,909 |
| Noninterest expense to average assets | 2.4626% | 2,298 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3320% | 1,509 |
| Return on assets (ROA) | 1.3320% | 1,546 |
| Pretax return on assets | 1.3270% | 2,275 |
| Return on Equity (ROE) | 14.6985% | 1,022 |
| Retained earnings to average equity (ytd only) | 6.1727% | 2,284 |
| Net charge-offs to loans | -0.0043% | 3,515 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9830% | 2,406 |
| Assets per employee ($millions) | 6.0115% | 2,762 |
| Cash dividends to net income (ytd only)* | 58.0045% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6404% | 4,509 |
| Loan loss allowance to noncurrent loans | 130.8370% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2221% | 2,447 |
| Noncurrent loans to loans | 0.4895% | 1,902 |
| Net loans and leases to total assets | 45.0888% | 3,758 |
| Net loans and leases to deposits | 49.5750% | 3,915 |
| Net loans and leases to core deposits | 51.7544% | 3,908 |
| Total domestic deposits to total assets | 90.9507% | 513 |
| Equity capital to assets | 8.9994% | 3,616 |
| Core capital (leverage) ratio | 8.6224% | 3,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8958% | 2,279 |
| Memoranda: | ||
| Average total assets | $100,826,600 | 3,981 |
| Average earning assets | $96,881,200 | 3,942 |
| Average equity | $9,137,000 | 4,231 |
| Average total loans | $46,545,200 | 4,061 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8132% | 1,990 |
| Cost of funding earning assets | 0.2681% | 2,921 |
| Net interest margin | 3.5450% | 1,747 |
| Noninterest income to average assets | 0.4379% | 2,896 |
| Noninterest expense to average assets | 2.3977% | 2,448 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4503% | 1,396 |
| Return on assets (ROA) | 1.4503% | 1,456 |
| Pretax return on assets | 1.4436% | 2,169 |
| Return on Equity (ROE) | 15.9756% | 957 |
| Retained earnings to average equity (ytd only) | 7.0597% | 2,396 |
| Net charge-offs to loans | -0.0029% | 3,287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4180% | 2,629 |
| Assets per employee ($millions) | 6.0176% | 2,676 |
| Cash dividends to net income (ytd only)* | 55.8097% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6468% | 4,577 |
| Loan loss allowance to noncurrent loans | 103.4965% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2796% | 2,382 |
| Noncurrent loans to loans | 0.6250% | 1,745 |
| Net loans and leases to total assets | 44.4442% | 3,916 |
| Net loans and leases to deposits | 48.9182% | 4,068 |
| Net loans and leases to core deposits | 50.9109% | 4,085 |
| Total domestic deposits to total assets | 90.8543% | 415 |
| Equity capital to assets | 9.0705% | 3,766 |
| Core capital (leverage) ratio | 8.6175% | 3,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6092% | 2,501 |
| Memoranda: | ||
| Average total assets | $100,484,250 | 4,035 |
| Average earning assets | $96,470,500 | 3,995 |
| Average equity | $9,122,000 | 4,292 |
| Average total loans | $46,587,500 | 4,120 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7101% | 2,302 |
| Cost of funding earning assets | 0.2751% | 3,040 |
| Net interest margin | 3.4350% | 2,048 |
| Noninterest income to average assets | 0.4405% | 2,900 |
| Noninterest expense to average assets | 2.2667% | 2,861 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4838% | 1,341 |
| Return on assets (ROA) | 1.4838% | 1,400 |
| Pretax return on assets | 1.4738% | 2,101 |
| Return on Equity (ROE) | 16.3402% | 895 |
| Retained earnings to average equity (ytd only) | 9.6145% | 1,522 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5996% | 2,928 |
| Assets per employee ($millions) | 5.9712% | 2,644 |
| Cash dividends to net income (ytd only)* | 41.1606% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6464% | 4,601 |
| Loan loss allowance to noncurrent loans | 29.4705% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 0.9861% | 768 |
| Noncurrent loans to loans | 2.1933% | 410 |
| Net loans and leases to total assets | 44.6685% | 3,995 |
| Net loans and leases to deposits | 49.3014% | 4,148 |
| Net loans and leases to core deposits | 51.3261% | 4,168 |
| Total domestic deposits to total assets | 90.6029% | 515 |
| Equity capital to assets | 9.1833% | 3,622 |
| Core capital (leverage) ratio | 8.5387% | 3,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0507% | 2,348 |
| Memoranda: | ||
| Average total assets | $99,879,333 | 4,067 |
| Average earning assets | $95,953,667 | 4,020 |
| Average equity | $9,069,667 | 4,321 |
| Average total loans | $46,862,667 | 4,139 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4100% | 3,166 |
| Cost of funding earning assets | 0.2810% | 3,182 |
| Net interest margin | 3.1290% | 2,908 |
| Noninterest income to average assets | 0.4320% | 2,917 |
| Noninterest expense to average assets | 2.3702% | 2,593 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0942% | 2,498 |
| Return on assets (ROA) | 1.0942% | 2,574 |
| Pretax return on assets | 1.0741% | 3,179 |
| Return on Equity (ROE) | 12.1205% | 1,975 |
| Retained earnings to average equity (ytd only) | 5.7248% | 2,997 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8159% | 1,833 |
| Assets per employee ($millions) | 6.0726% | 2,527 |
| Cash dividends to net income (ytd only)* | 52.7675% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6259% | 4,659 |
| Loan loss allowance to noncurrent loans | 110.0746% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2596% | 2,847 |
| Noncurrent loans to loans | 0.5686% | 2,153 |
| Net loans and leases to total assets | 45.3726% | 4,012 |
| Net loans and leases to deposits | 49.7853% | 4,170 |
| Net loans and leases to core deposits | 51.7701% | 4,205 |
| Total domestic deposits to total assets | 91.1366% | 355 |
| Equity capital to assets | 8.5389% | 4,084 |
| Core capital (leverage) ratio | 8.5662% | 4,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4458% | 2,826 |
| Memoranda: | ||
| Average total assets | $99,064,000 | 4,085 |
| Average earning assets | $95,367,000 | 4,032 |
| Average equity | $8,943,500 | 4,343 |
| Average total loans | $47,475,000 | 4,149 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3042% | 1,858 |
| Cost of funding earning assets | 0.4340% | 3,384 |
| Net interest margin | 3.8702% | 1,307 |
| Noninterest income to average assets | 0.5138% | 2,573 |
| Noninterest expense to average assets | 2.8609% | 1,785 |
| Loan and lease loss provision to assets | 0.0534% | 3,703 |
| Net operating income to assets | 1.3299% | 1,175 |
| Return on assets (ROA) | 1.3299% | 1,272 |
| Pretax return on assets | 1.3299% | 1,882 |
| Return on Equity (ROE) | 13.3233% | 959 |
| Retained earnings to average equity (ytd only) | 2.4939% | 3,607 |
| Net charge-offs to loans | 0.0163% | 2,774 |
| Credit loss provision to net charge-offs | 587.5000% | 1,116 |
| Earnings coverage of net charge-offs (x) | 152.1250% | 564 |
| Efficiency ratio | 67.4076% | 2,312 |
| Assets per employee ($millions) | 5.2719% | 3,077 |
| Cash dividends to net income (ytd only)* | 81.2821% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6170% | 4,703 |
| Loan loss allowance to noncurrent loans | 146.0396% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 3,227 |
| Noncurrent loans to loans | 0.4225% | 2,713 |
| Net loans and leases to total assets | 50.0769% | 3,819 |
| Net loans and leases to deposits | 55.4208% | 4,033 |
| Net loans and leases to core deposits | 57.8046% | 4,064 |
| Total domestic deposits to total assets | 90.3577% | 431 |
| Equity capital to assets | 9.5601% | 3,551 |
| Core capital (leverage) ratio | 8.7453% | 3,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4607% | 2,469 |
| Memoranda: | ||
| Average total assets | $87,978,200 | 4,142 |
| Average earning assets | $84,801,400 | 4,090 |
| Average equity | $8,781,600 | 4,339 |
| Average total loans | $49,189,000 | 4,121 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4666% | 1,659 |
| Cost of funding earning assets | 0.4584% | 3,479 |
| Net interest margin | 4.0082% | 1,097 |
| Noninterest income to average assets | 0.5426% | 2,412 |
| Noninterest expense to average assets | 2.7934% | 1,985 |
| Loan and lease loss provision to assets | 0.0730% | 3,411 |
| Net operating income to assets | 1.5381% | 837 |
| Return on assets (ROA) | 1.5381% | 915 |
| Pretax return on assets | 1.5428% | 1,349 |
| Return on Equity (ROE) | 15.2329% | 658 |
| Retained earnings to average equity (ytd only) | 4.1029% | 2,992 |
| Net charge-offs to loans | 0.0135% | 2,632 |
| Credit loss provision to net charge-offs | 940.0000% | 868 |
| Earnings coverage of net charge-offs (x) | 209.0000% | 483 |
| Efficiency ratio | 63.3590% | 2,854 |
| Assets per employee ($millions) | 5.0426% | 3,194 |
| Cash dividends to net income (ytd only)* | 73.0653% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6015% | 4,719 |
| Loan loss allowance to noncurrent loans | 79.2553% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 2,510 |
| Noncurrent loans to loans | 0.7590% | 1,910 |
| Net loans and leases to total assets | 54.2532% | 3,782 |
| Net loans and leases to deposits | 60.3207% | 4,043 |
| Net loans and leases to core deposits | 63.0267% | 4,052 |
| Total domestic deposits to total assets | 89.9413% | 448 |
| Equity capital to assets | 9.9519% | 3,270 |
| Core capital (leverage) ratio | 9.2272% | 3,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9479% | 2,226 |
| Memoranda: | ||
| Average total assets | $86,249,250 | 4,174 |
| Average earning assets | $83,194,000 | 4,110 |
| Average equity | $8,709,000 | 4,364 |
| Average total loans | $49,532,500 | 4,143 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6301% | 1,583 |
| Cost of funding earning assets | 0.4889% | 3,597 |
| Net interest margin | 4.1412% | 1,038 |
| Noninterest income to average assets | 0.5711% | 2,250 |
| Noninterest expense to average assets | 2.7495% | 2,220 |
| Loan and lease loss provision to assets | 0.1109% | 2,902 |
| Net operating income to assets | 1.7040% | 618 |
| Return on assets (ROA) | 1.7040% | 672 |
| Pretax return on assets | 1.7087% | 982 |
| Return on Equity (ROE) | 16.7887% | 471 |
| Retained earnings to average equity (ytd only) | 5.3947% | 2,309 |
| Net charge-offs to loans | 0.0242% | 2,232 |
| Credit loss provision to net charge-offs | 783.3333% | 929 |
| Earnings coverage of net charge-offs (x) | 128.5000% | 592 |
| Efficiency ratio | 60.1756% | 3,391 |
| Assets per employee ($millions) | 5.3005% | 2,834 |
| Cash dividends to net income (ytd only)* | 67.8670% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5965% | 4,745 |
| Loan loss allowance to noncurrent loans | 40.3533% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 1,521 |
| Noncurrent loans to loans | 1.4781% | 1,027 |
| Net loans and leases to total assets | 54.9290% | 3,791 |
| Net loans and leases to deposits | 61.1062% | 4,061 |
| Net loans and leases to core deposits | 63.8600% | 4,082 |
| Total domestic deposits to total assets | 89.8911% | 430 |
| Equity capital to assets | 10.0068% | 3,200 |
| Core capital (leverage) ratio | 9.3063% | 3,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8056% | 2,267 |
| Memoranda: | ||
| Average total assets | $84,743,333 | 4,200 |
| Average earning assets | $81,812,333 | 4,145 |
| Average equity | $8,601,000 | 4,392 |
| Average total loans | $49,529,333 | 4,153 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7331% | 1,607 |
| Cost of funding earning assets | 0.5708% | 3,588 |
| Net interest margin | 4.1623% | 997 |
| Noninterest income to average assets | 0.6775% | 1,742 |
| Noninterest expense to average assets | 3.0270% | 1,819 |
| Loan and lease loss provision to assets | 0.1804% | 1,655 |
| Net operating income to assets | 1.4818% | 819 |
| Return on assets (ROA) | 1.4818% | 890 |
| Pretax return on assets | 1.4867% | 1,339 |
| Return on Equity (ROE) | 14.4883% | 612 |
| Retained earnings to average equity (ytd only) | 1.8110% | 3,508 |
| Net charge-offs to loans | 0.0486% | 1,523 |
| Credit loss provision to net charge-offs | 616.6667% | 782 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 825 |
| Efficiency ratio | 64.4860% | 3,153 |
| Assets per employee ($millions) | 4.7224% | 2,963 |
| Cash dividends to net income (ytd only)* | 87.5000% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5952% | 4,765 |
| Loan loss allowance to noncurrent loans | 41.9591% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 0.8047% | 1,684 |
| Noncurrent loans to loans | 1.4184% | 1,122 |
| Net loans and leases to total assets | 56.3926% | 3,809 |
| Net loans and leases to deposits | 62.6983% | 4,065 |
| Net loans and leases to core deposits | 65.6559% | 4,099 |
| Total domestic deposits to total assets | 89.9428% | 340 |
| Equity capital to assets | 9.9548% | 3,830 |
| Core capital (leverage) ratio | 9.8717% | 3,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3544% | 2,547 |
| Memoranda: | ||
| Average total assets | $82,060,500 | 4,240 |
| Average earning assets | $79,187,500 | 4,184 |
| Average equity | $8,393,000 | 4,443 |
| Average total loans | $49,397,500 | 4,163 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8112% | 2,013 |
| Cost of funding earning assets | 0.5930% | 3,670 |
| Net interest margin | 4.2182% | 1,288 |
| Noninterest income to average assets | 0.5287% | 2,588 |
| Noninterest expense to average assets | 2.9328% | 2,197 |
| Loan and lease loss provision to assets | 0.0491% | 3,041 |
| Net operating income to assets | 1.5784% | 878 |
| Return on assets (ROA) | 1.5772% | 939 |
| Pretax return on assets | 1.5835% | 1,531 |
| Return on Equity (ROE) | 15.6332% | 584 |
| Retained earnings to average equity (ytd only) | 3.7804% | 3,089 |
| Net charge-offs to loans | 0.1552% | 1,291 |
| Credit loss provision to net charge-offs | 50.0000% | 3,125 |
| Earnings coverage of net charge-offs (x) | 16.6410% | 2,152 |
| Efficiency ratio | 64.2227% | 3,045 |
| Assets per employee ($millions) | 4.3954% | 3,378 |
| Cash dividends to net income (ytd only)* | 75.8180% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5062% | 4,884 |
| Loan loss allowance to noncurrent loans | 38.6124% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 0.8557% | 1,500 |
| Noncurrent loans to loans | 1.3110% | 1,145 |
| Net loans and leases to total assets | 63.5970% | 3,248 |
| Net loans and leases to deposits | 71.1562% | 3,577 |
| Net loans and leases to core deposits | 74.5124% | 3,680 |
| Total domestic deposits to total assets | 89.3765% | 535 |
| Equity capital to assets | 10.5211% | 3,426 |
| Core capital (leverage) ratio | 10.2090% | 3,288 |
| Tier 1 risk-based capital ratio | 13.5950% | 3,462 |
| Total risk-based capital ratio | 14.0269% | 3,801 |
| Memoranda: | ||
| Average total assets | $79,446,600 | 4,298 |
| Average earning assets | $76,052,000 | 4,249 |
| Average equity | $8,015,000 | 4,506 |
| Average total loans | $50,251,400 | 4,176 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8333% | 2,020 |
| Cost of funding earning assets | 0.6101% | 3,646 |
| Net interest margin | 4.2232% | 1,319 |
| Noninterest income to average assets | 0.5247% | 2,581 |
| Noninterest expense to average assets | 2.8400% | 2,440 |
| Loan and lease loss provision to assets | 0.0352% | 3,194 |
| Net operating income to assets | 1.6882% | 766 |
| Return on assets (ROA) | 1.6866% | 810 |
| Pretax return on assets | 1.6866% | 1,378 |
| Return on Equity (ROE) | 16.8977% | 489 |
| Retained earnings to average equity (ytd only) | 4.0816% | 3,358 |
| Net charge-offs to loans | 0.0691% | 1,842 |
| Credit loss provision to net charge-offs | 80.7692% | 2,492 |
| Earnings coverage of net charge-offs (x) | 39.5336% | 1,382 |
| Efficiency ratio | 62.2337% | 3,289 |
| Assets per employee ($millions) | 4.7215% | 2,887 |
| Cash dividends to net income (ytd only)* | 75.8451% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5714% | 4,868 |
| Loan loss allowance to noncurrent loans | 29.3522% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 1.2483% | 995 |
| Noncurrent loans to loans | 1.9467% | 704 |
| Net loans and leases to total assets | 62.8685% | 3,400 |
| Net loans and leases to deposits | 70.1797% | 3,758 |
| Net loans and leases to core deposits | 72.8904% | 3,897 |
| Total domestic deposits to total assets | 89.5821% | 419 |
| Equity capital to assets | 10.3082% | 3,712 |
| Core capital (leverage) ratio | 9.9644% | 3,673 |
| Tier 1 risk-based capital ratio | 13.3673% | 3,651 |
| Total risk-based capital ratio | 13.8519% | 3,958 |
| Memoranda: | ||
| Average total assets | $79,529,000 | 4,352 |
| Average earning assets | $76,053,750 | 4,301 |
| Average equity | $7,937,750 | 4,568 |
| Average total loans | $50,171,250 | 4,227 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7925% | 2,086 |
| Cost of funding earning assets | 0.6228% | 3,537 |
| Net interest margin | 4.1697% | 1,432 |
| Noninterest income to average assets | 0.5474% | 2,401 |
| Noninterest expense to average assets | 2.7597% | 2,722 |
| Loan and lease loss provision to assets | 0.0454% | 2,911 |
| Net operating income to assets | 1.7280% | 685 |
| Return on assets (ROA) | 1.7255% | 722 |
| Pretax return on assets | 1.7255% | 1,227 |
| Return on Equity (ROE) | 17.4809% | 410 |
| Retained earnings to average equity (ytd only) | 4.9836% | 2,779 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8792% | 3,599 |
| Assets per employee ($millions) | 4.4661% | 3,191 |
| Cash dividends to net income (ytd only)* | 71.4912% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6267% | 4,829 |
| Loan loss allowance to noncurrent loans | 27.6258% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.4268% | 811 |
| Noncurrent loans to loans | 2.2684% | 580 |
| Net loans and leases to total assets | 61.7423% | 3,578 |
| Net loans and leases to deposits | 68.7957% | 3,918 |
| Net loans and leases to core deposits | 71.4374% | 4,037 |
| Total domestic deposits to total assets | 89.7474% | 404 |
| Equity capital to assets | 10.1469% | 3,839 |
| Core capital (leverage) ratio | 9.9166% | 3,680 |
| Tier 1 risk-based capital ratio | 13.5338% | 3,566 |
| Total risk-based capital ratio | 14.0666% | 3,840 |
| Memoranda: | ||
| Average total assets | $79,283,330 | 4,388 |
| Average earning assets | $75,784,330 | 4,336 |
| Average equity | $7,825,670 | 4,606 |
| Average total loans | $49,977,670 | 4,259 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7957% | 1,914 |
| Cost of funding earning assets | 0.6188% | 3,472 |
| Net interest margin | 4.1769% | 1,355 |
| Noninterest income to average assets | 0.4979% | 2,563 |
| Noninterest expense to average assets | 2.8096% | 2,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6664% | 785 |
| Return on assets (ROA) | 1.6664% | 814 |
| Pretax return on assets | 1.6664% | 1,294 |
| Return on Equity (ROE) | 17.1279% | 473 |
| Retained earnings to average equity (ytd only) | 4.7520% | 3,022 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7696% | 3,416 |
| Assets per employee ($millions) | 4.4542% | 3,250 |
| Cash dividends to net income (ytd only)* | 72.2561% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5963% | 4,944 |
| Loan loss allowance to noncurrent loans | 44.4947% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 0.8943% | 1,576 |
| Noncurrent loans to loans | 1.3401% | 1,213 |
| Net loans and leases to total assets | 61.3408% | 3,565 |
| Net loans and leases to deposits | 68.0664% | 3,923 |
| Net loans and leases to core deposits | 70.8850% | 4,012 |
| Total domestic deposits to total assets | 90.1191% | 409 |
| Equity capital to assets | 9.7861% | 4,018 |
| Core capital (leverage) ratio | 9.9756% | 3,630 |
| Tier 1 risk-based capital ratio | 14.5991% | 3,062 |
| Total risk-based capital ratio | 15.1480% | 3,313 |
| Memoranda: | ||
| Average total assets | $78,730,500 | 4,437 |
| Average earning assets | $74,984,000 | 4,389 |
| Average equity | $7,660,000 | 4,662 |
| Average total loans | $49,993,000 | 4,299 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7302% | 1,731 |
| Cost of funding earning assets | 0.5724% | 2,905 |
| Net interest margin | 4.1578% | 1,507 |
| Noninterest income to average assets | 0.5304% | 2,656 |
| Noninterest expense to average assets | 2.9648% | 2,150 |
| Loan and lease loss provision to assets | 0.0104% | 3,919 |
| Net operating income to assets | 1.5456% | 1,004 |
| Return on assets (ROA) | 1.5456% | 997 |
| Pretax return on assets | 1.5117% | 1,741 |
| Return on Equity (ROE) | 16.2430% | 582 |
| Retained earnings to average equity (ytd only) | 4.1361% | 3,283 |
| Net charge-offs to loans | 0.0061% | 3,486 |
| Credit loss provision to net charge-offs | 266.6667% | 1,122 |
| Earnings coverage of net charge-offs (x) | 389.3333% | 260 |
| Efficiency ratio | 66.0761% | 2,865 |
| Assets per employee ($millions) | 4.5462% | 3,096 |
| Cash dividends to net income (ytd only)* | 74.5363% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5840% | 4,999 |
| Loan loss allowance to noncurrent loans | 39.3858% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 1.0390% | 1,313 |
| Noncurrent loans to loans | 1.4828% | 1,030 |
| Net loans and leases to total assets | 64.9743% | 3,260 |
| Net loans and leases to deposits | 72.0036% | 3,668 |
| Net loans and leases to core deposits | 75.1579% | 3,776 |
| Total domestic deposits to total assets | 90.2376% | 400 |
| Equity capital to assets | 9.6706% | 3,979 |
| Core capital (leverage) ratio | 9.8901% | 3,701 |
| Tier 1 risk-based capital ratio | 14.6553% | 2,990 |
| Total risk-based capital ratio | 15.2128% | 3,228 |
| Memoranda: | ||
| Average total assets | $76,734,200 | 4,492 |
| Average earning assets | $73,020,000 | 4,441 |
| Average equity | $7,301,600 | 4,707 |
| Average total loans | $49,289,800 | 4,332 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6965% | 1,687 |
| Cost of funding earning assets | 0.5530% | 2,843 |
| Net interest margin | 4.1436% | 1,510 |
| Noninterest income to average assets | 0.5448% | 2,592 |
| Noninterest expense to average assets | 2.8791% | 2,373 |
| Loan and lease loss provision to assets | 0.0087% | 3,808 |
| Net operating income to assets | 1.6415% | 858 |
| Return on assets (ROA) | 1.6415% | 867 |
| Pretax return on assets | 1.5962% | 1,594 |
| Return on Equity (ROE) | 17.3218% | 508 |
| Retained earnings to average equity (ytd only) | 4.5004% | 3,497 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2081% | 3,148 |
| Assets per employee ($millions) | 4.5684% | 3,015 |
| Cash dividends to net income (ytd only)* | 74.0189% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5892% | 5,057 |
| Loan loss allowance to noncurrent loans | 45.3846% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 0.9065% | 1,629 |
| Noncurrent loans to loans | 1.2983% | 1,289 |
| Net loans and leases to total assets | 64.0880% | 3,413 |
| Net loans and leases to deposits | 73.6403% | 3,623 |
| Net loans and leases to core deposits | 76.9654% | 3,744 |
| Total domestic deposits to total assets | 87.0284% | 1,716 |
| Equity capital to assets | 9.2941% | 4,283 |
| Core capital (leverage) ratio | 9.9990% | 3,639 |
| Tier 1 risk-based capital ratio | 14.6612% | 3,037 |
| Total risk-based capital ratio | 15.2230% | 3,293 |
| Memoranda: | ||
| Average total assets | $76,596,250 | 4,536 |
| Average earning assets | $72,817,500 | 4,488 |
| Average equity | $7,258,500 | 4,763 |
| Average total loans | $48,984,500 | 4,379 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6426% | 1,661 |
| Cost of funding earning assets | 0.5361% | 2,727 |
| Net interest margin | 4.1065% | 1,537 |
| Noninterest income to average assets | 0.5588% | 2,529 |
| Noninterest expense to average assets | 2.9223% | 2,282 |
| Loan and lease loss provision to assets | 0.0131% | 3,605 |
| Net operating income to assets | 1.5897% | 936 |
| Return on assets (ROA) | 1.5897% | 944 |
| Pretax return on assets | 1.5215% | 1,741 |
| Return on Equity (ROE) | 16.6667% | 566 |
| Retained earnings to average equity (ytd only) | 4.5105% | 3,337 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5680% | 3,050 |
| Assets per employee ($millions) | 4.5553% | 3,040 |
| Cash dividends to net income (ytd only)* | 72.9373% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5926% | 5,113 |
| Loan loss allowance to noncurrent loans | 22.5019% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 1.6929% | 728 |
| Noncurrent loans to loans | 2.6334% | 469 |
| Net loans and leases to total assets | 63.9063% | 3,411 |
| Net loans and leases to deposits | 71.0896% | 3,776 |
| Net loans and leases to core deposits | 73.9370% | 3,884 |
| Total domestic deposits to total assets | 89.8954% | 609 |
| Equity capital to assets | 9.3634% | 4,222 |
| Core capital (leverage) ratio | 10.0133% | 3,566 |
| Tier 1 risk-based capital ratio | 14.4901% | 3,119 |
| Total risk-based capital ratio | 15.0512% | 3,374 |
| Memoranda: | ||
| Average total assets | $76,241,000 | 4,588 |
| Average earning assets | $72,372,670 | 4,541 |
| Average equity | $7,272,000 | 4,805 |
| Average total loans | $48,623,670 | 4,427 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5809% | 1,626 |
| Cost of funding earning assets | 0.5176% | 2,659 |
| Net interest margin | 4.0633% | 1,531 |
| Noninterest income to average assets | 0.5923% | 2,308 |
| Noninterest expense to average assets | 2.9296% | 2,257 |
| Loan and lease loss provision to assets | 0.0264% | 3,173 |
| Net operating income to assets | 1.6340% | 788 |
| Return on assets (ROA) | 1.6340% | 791 |
| Pretax return on assets | 1.4965% | 1,692 |
| Return on Equity (ROE) | 16.9722% | 514 |
| Retained earnings to average equity (ytd only) | 4.2842% | 3,469 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7957% | 3,206 |
| Assets per employee ($millions) | 4.5485% | 3,072 |
| Cash dividends to net income (ytd only)* | 74.7573% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6132% | 5,162 |
| Loan loss allowance to noncurrent loans | 18.6946% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 2.0408% | 549 |
| Noncurrent loans to loans | 3.2803% | 334 |
| Net loans and leases to total assets | 61.8320% | 3,572 |
| Net loans and leases to deposits | 68.2488% | 3,930 |
| Net loans and leases to core deposits | 70.9583% | 4,029 |
| Total domestic deposits to total assets | 90.5980% | 444 |
| Equity capital to assets | 9.3141% | 4,255 |
| Core capital (leverage) ratio | 9.8815% | 3,676 |
| Tier 1 risk-based capital ratio | 14.2420% | 3,256 |
| Total risk-based capital ratio | 14.7997% | 3,539 |
| Memoranda: | ||
| Average total assets | $75,641,500 | 4,651 |
| Average earning assets | $71,863,500 | 4,600 |
| Average equity | $7,282,500 | 4,853 |
| Average total loans | $48,043,500 | 4,486 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6141% | 1,387 |
| Cost of funding earning assets | 0.4611% | 2,680 |
| Net interest margin | 4.1530% | 1,293 |
| Noninterest income to average assets | 0.5227% | 2,863 |
| Noninterest expense to average assets | 2.9031% | 2,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5092% | 783 |
| Return on assets (ROA) | 1.5092% | 799 |
| Pretax return on assets | 1.5427% | 1,479 |
| Return on Equity (ROE) | 15.4133% | 555 |
| Retained earnings to average equity (ytd only) | 3.9012% | 2,864 |
| Net charge-offs to loans | 0.0128% | 3,636 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 191.8333% | 410 |
| Efficiency ratio | 65.3000% | 3,385 |
| Assets per employee ($millions) | 4.3505% | 3,414 |
| Cash dividends to net income (ytd only)* | 74.6892% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6044% | 5,235 |
| Loan loss allowance to noncurrent loans | 35.0242% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 1.1195% | 1,337 |
| Noncurrent loans to loans | 1.7257% | 935 |
| Net loans and leases to total assets | 64.4830% | 3,305 |
| Net loans and leases to deposits | 72.6410% | 3,630 |
| Net loans and leases to core deposits | 75.6652% | 3,763 |
| Total domestic deposits to total assets | 88.7695% | 1,108 |
| Equity capital to assets | 9.9555% | 3,751 |
| Core capital (leverage) ratio | 10.0133% | 3,442 |
| Tier 1 risk-based capital ratio | 14.6978% | 2,993 |
| Total risk-based capital ratio | 15.2696% | 3,255 |
| Memoranda: | ||
| Average total assets | $74,610,800 | 4,701 |
| Average earning assets | $70,479,200 | 4,658 |
| Average equity | $7,305,400 | 4,895 |
| Average total loans | $47,017,600 | 4,538 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5724% | 1,439 |
| Cost of funding earning assets | 0.4542% | 2,678 |
| Net interest margin | 4.1182% | 1,341 |
| Noninterest income to average assets | 0.5242% | 2,878 |
| Noninterest expense to average assets | 2.7888% | 2,767 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5888% | 743 |
| Return on assets (ROA) | 1.5888% | 760 |
| Pretax return on assets | 1.6155% | 1,368 |
| Return on Equity (ROE) | 16.2936% | 494 |
| Retained earnings to average equity (ytd only) | 4.2426% | 3,377 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3198% | 3,664 |
| Assets per employee ($millions) | 4.4564% | 3,230 |
| Cash dividends to net income (ytd only)* | 73.9615% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6046% | 5,313 |
| Loan loss allowance to noncurrent loans | 45.0533% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 0.8672% | 1,983 |
| Noncurrent loans to loans | 1.3419% | 1,413 |
| Net loans and leases to total assets | 64.2388% | 3,358 |
| Net loans and leases to deposits | 74.0607% | 3,555 |
| Net loans and leases to core deposits | 77.6321% | 3,669 |
| Total domestic deposits to total assets | 86.7380% | 1,980 |
| Equity capital to assets | 9.9739% | 3,938 |
| Core capital (leverage) ratio | 9.8511% | 3,752 |
| Tier 1 risk-based capital ratio | 14.3717% | 3,255 |
| Total risk-based capital ratio | 14.9465% | 3,513 |
| Memoranda: | ||
| Average total assets | $74,773,750 | 4,745 |
| Average earning assets | $70,450,500 | 4,705 |
| Average equity | $7,291,000 | 4,946 |
| Average total loans | $46,776,750 | 4,585 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5241% | 1,457 |
| Cost of funding earning assets | 0.4373% | 2,728 |
| Net interest margin | 4.0869% | 1,363 |
| Noninterest income to average assets | 0.5051% | 2,995 |
| Noninterest expense to average assets | 2.8020% | 2,757 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5206% | 830 |
| Return on assets (ROA) | 1.5206% | 850 |
| Pretax return on assets | 1.5448% | 1,506 |
| Return on Equity (ROE) | 15.7164% | 563 |
| Retained earnings to average equity (ytd only) | 4.2484% | 3,180 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4623% | 3,597 |
| Assets per employee ($millions) | 4.4501% | 3,193 |
| Cash dividends to net income (ytd only)* | 72.9682% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6147% | 5,353 |
| Loan loss allowance to noncurrent loans | 47.8964% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 0.8169% | 2,168 |
| Noncurrent loans to loans | 1.2834% | 1,500 |
| Net loans and leases to total assets | 63.2581% | 3,487 |
| Net loans and leases to deposits | 71.6203% | 3,777 |
| Net loans and leases to core deposits | 75.0082% | 3,854 |
| Total domestic deposits to total assets | 88.3242% | 1,293 |
| Equity capital to assets | 9.9244% | 4,000 |
| Core capital (leverage) ratio | 9.8664% | 3,697 |
| Tier 1 risk-based capital ratio | 14.4567% | 3,193 |
| Total risk-based capital ratio | 15.0412% | 3,458 |
| Memoranda: | ||
| Average total assets | $74,445,670 | 4,776 |
| Average earning assets | $69,980,000 | 4,748 |
| Average equity | $7,202,670 | 4,983 |
| Average total loans | $46,048,330 | 4,633 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4516% | 1,492 |
| Cost of funding earning assets | 0.4273% | 2,746 |
| Net interest margin | 4.0244% | 1,404 |
| Noninterest income to average assets | 0.5254% | 2,794 |
| Noninterest expense to average assets | 2.7031% | 3,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5763% | 710 |
| Return on assets (ROA) | 1.5763% | 728 |
| Pretax return on assets | 1.5980% | 1,242 |
| Return on Equity (ROE) | 16.5106% | 464 |
| Retained earnings to average equity (ytd only) | 4.4255% | 3,213 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8463% | 4,012 |
| Assets per employee ($millions) | 4.4023% | 3,329 |
| Cash dividends to net income (ytd only)* | 73.1959% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6632% | 5,381 |
| Loan loss allowance to noncurrent loans | 75.3181% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 0.5251% | 3,134 |
| Noncurrent loans to loans | 0.8805% | 2,273 |
| Net loans and leases to total assets | 59.2432% | 3,863 |
| Net loans and leases to deposits | 65.5844% | 4,204 |
| Net loans and leases to core deposits | 68.9244% | 4,227 |
| Total domestic deposits to total assets | 90.3312% | 533 |
| Equity capital to assets | 9.5806% | 4,202 |
| Core capital (leverage) ratio | 9.8039% | 3,751 |
| Tier 1 risk-based capital ratio | 15.2080% | 2,867 |
| Total risk-based capital ratio | 15.8292% | 3,092 |
| Memoranda: | ||
| Average total assets | $73,842,500 | 4,835 |
| Average earning assets | $69,278,000 | 4,804 |
| Average equity | $7,050,000 | 5,054 |
| Average total loans | $44,996,500 | 4,704 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3955% | 1,834 |
| Cost of funding earning assets | 0.4189% | 2,816 |
| Net interest margin | 3.9766% | 1,708 |
| Noninterest income to average assets | 0.5497% | 2,916 |
| Noninterest expense to average assets | 2.9457% | 2,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3089% | 1,195 |
| Return on assets (ROA) | 1.3089% | 1,258 |
| Pretax return on assets | 1.3447% | 2,118 |
| Return on Equity (ROE) | 13.6659% | 829 |
| Retained earnings to average equity (ytd only) | 8.6743% | 650 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6577% | 3,139 |
| Assets per employee ($millions) | 4.2851% | 3,464 |
| Cash dividends to net income (ytd only)* | 36.5263% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6526% | 5,445 |
| Loan loss allowance to noncurrent loans | 75.3181% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 0.5395% | 3,122 |
| Noncurrent loans to loans | 0.8664% | 2,369 |
| Net loans and leases to total assets | 61.8620% | 3,627 |
| Net loans and leases to deposits | 69.0023% | 4,006 |
| Net loans and leases to core deposits | 72.8684% | 4,023 |
| Total domestic deposits to total assets | 89.6521% | 795 |
| Equity capital to assets | 9.5132% | 4,255 |
| Core capital (leverage) ratio | 9.8585% | 3,681 |
| Tier 1 risk-based capital ratio | 14.9208% | 3,001 |
| Total risk-based capital ratio | 15.5369% | 3,224 |
| Memoranda: | ||
| Average total assets | $72,579,800 | 4,877 |
| Average earning assets | $68,274,400 | 4,844 |
| Average equity | $6,951,600 | 5,097 |
| Average total loans | $42,585,200 | 4,797 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3836% | 1,911 |
| Cost of funding earning assets | 0.4256% | 2,771 |
| Net interest margin | 3.9580% | 1,785 |
| Noninterest income to average assets | 0.5700% | 2,812 |
| Noninterest expense to average assets | 2.8886% | 2,672 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3533% | 1,159 |
| Return on assets (ROA) | 1.3533% | 1,237 |
| Pretax return on assets | 1.3919% | 2,064 |
| Return on Equity (ROE) | 14.1054% | 802 |
| Retained earnings to average equity (ytd only) | 9.0266% | 810 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4828% | 3,319 |
| Assets per employee ($millions) | 3.7912% | 4,320 |
| Cash dividends to net income (ytd only)* | 36.0049% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6791% | 5,468 |
| Loan loss allowance to noncurrent loans | 68.0460% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 0.6039% | 3,093 |
| Noncurrent loans to loans | 0.9981% | 2,248 |
| Net loans and leases to total assets | 60.0947% | 3,862 |
| Net loans and leases to deposits | 68.0287% | 4,146 |
| Net loans and leases to core deposits | 72.6943% | 4,105 |
| Total domestic deposits to total assets | 88.3373% | 1,218 |
| Equity capital to assets | 10.0093% | 4,120 |
| Core capital (leverage) ratio | 9.7718% | 3,842 |
| Tier 1 risk-based capital ratio | 15.2746% | 2,929 |
| Total risk-based capital ratio | 15.9171% | 3,144 |
| Memoranda: | ||
| Average total assets | $72,513,250 | 4,918 |
| Average earning assets | $67,978,500 | 4,887 |
| Average equity | $6,957,000 | 5,146 |
| Average total loans | $41,891,500 | 4,859 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3339% | 2,039 |
| Cost of funding earning assets | 0.4269% | 2,762 |
| Net interest margin | 3.9069% | 1,958 |
| Noninterest income to average assets | 0.5642% | 2,831 |
| Noninterest expense to average assets | 2.8731% | 2,764 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3017% | 1,268 |
| Return on assets (ROA) | 1.3017% | 1,372 |
| Pretax return on assets | 1.3430% | 2,233 |
| Return on Equity (ROE) | 13.7647% | 874 |
| Retained earnings to average equity (ytd only) | 9.0794% | 827 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1462% | 3,315 |
| Assets per employee ($millions) | 3.8784% | 4,125 |
| Cash dividends to net income (ytd only)* | 34.0381% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7009% | 5,515 |
| Loan loss allowance to noncurrent loans | 64.0693% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 0.6270% | 3,121 |
| Noncurrent loans to loans | 1.0940% | 2,095 |
| Net loans and leases to total assets | 56.9073% | 4,217 |
| Net loans and leases to deposits | 63.0839% | 4,563 |
| Net loans and leases to core deposits | 68.3047% | 4,451 |
| Total domestic deposits to total assets | 90.2090% | 410 |
| Equity capital to assets | 9.6743% | 4,582 |
| Core capital (leverage) ratio | 9.5396% | 4,151 |
| Tier 1 risk-based capital ratio | 15.4425% | 2,882 |
| Total risk-based capital ratio | 16.0976% | 3,083 |
| Memoranda: | ||
| Average total assets | $72,673,330 | 4,967 |
| Average earning assets | $67,930,330 | 4,936 |
| Average equity | $6,872,670 | 5,220 |
| Average total loans | $41,327,330 | 4,924 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3573% | 1,942 |
| Cost of funding earning assets | 0.4334% | 2,741 |
| Net interest margin | 3.9240% | 1,870 |
| Noninterest income to average assets | 0.5820% | 2,633 |
| Noninterest expense to average assets | 2.7936% | 3,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4023% | 1,029 |
| Return on assets (ROA) | 1.4023% | 1,089 |
| Pretax return on assets | 1.4522% | 1,742 |
| Return on Equity (ROE) | 15.0048% | 668 |
| Retained earnings to average equity (ytd only) | 10.5567% | 730 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7963% | 3,840 |
| Assets per employee ($millions) | 3.8410% | 4,229 |
| Cash dividends to net income (ytd only)* | 29.6443% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7226% | 5,556 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 0.8112% | 2,658 |
| Noncurrent loans to loans | 1.4452% | 1,642 |
| Net loans and leases to total assets | 55.7229% | 4,284 |
| Net loans and leases to deposits | 61.6058% | 4,603 |
| Net loans and leases to core deposits | 66.6885% | 4,491 |
| Total domestic deposits to total assets | 90.4507% | 444 |
| Equity capital to assets | 9.4479% | 4,721 |
| Core capital (leverage) ratio | 9.3354% | 4,448 |
| Tier 1 risk-based capital ratio | 15.2724% | 3,030 |
| Total risk-based capital ratio | 15.9428% | 3,233 |
| Memoranda: | ||
| Average total assets | $72,165,000 | 5,019 |
| Average earning assets | $67,380,500 | 4,993 |
| Average equity | $6,744,500 | 5,277 |
| Average total loans | $40,875,500 | 4,981 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 2,374 |
| Cost of funding earning assets | 0.4589% | 2,543 |
| Net interest margin | 3.7958% | 2,392 |
| Noninterest income to average assets | 0.5457% | 3,036 |
| Noninterest expense to average assets | 2.8522% | 3,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2305% | 1,450 |
| Return on assets (ROA) | 1.2305% | 1,510 |
| Pretax return on assets | 1.2514% | 2,463 |
| Return on Equity (ROE) | 13.9878% | 842 |
| Retained earnings to average equity (ytd only) | 8.6079% | 753 |
| Net charge-offs to loans | 0.0131% | 4,036 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 179.8000% | 366 |
| Efficiency ratio | 69.5047% | 3,303 |
| Assets per employee ($millions) | 4.1971% | 3,570 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7257% | 5,594 |
| Loan loss allowance to noncurrent loans | 55.4307% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 0.7484% | 2,809 |
| Noncurrent loans to loans | 1.3092% | 1,805 |
| Net loans and leases to total assets | 56.7518% | 4,228 |
| Net loans and leases to deposits | 62.7944% | 4,564 |
| Net loans and leases to core deposits | 68.6497% | 4,402 |
| Total domestic deposits to total assets | 90.3771% | 476 |
| Equity capital to assets | 9.2416% | 4,855 |
| Core capital (leverage) ratio | 9.0109% | 4,871 |
| Tier 1 risk-based capital ratio | 14.7240% | 3,318 |
| Total risk-based capital ratio | 15.3877% | 3,558 |
| Memoranda: | ||
| Average total assets | $71,840,000 | 5,048 |
| Average earning assets | $67,337,800 | 5,004 |
| Average equity | $6,319,800 | 5,368 |
| Average total loans | $38,285,600 | 5,078 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1262% | 2,825 |
| Cost of funding earning assets | 0.4692% | 2,506 |
| Net interest margin | 3.6570% | 2,931 |
| Noninterest income to average assets | 0.5429% | 3,092 |
| Noninterest expense to average assets | 2.5679% | 3,986 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3803% | 1,158 |
| Return on assets (ROA) | 1.3803% | 1,210 |
| Pretax return on assets | 1.3970% | 2,024 |
| Return on Equity (ROE) | 15.8898% | 605 |
| Retained earnings to average equity (ytd only) | 10.3231% | 583 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7664% | 4,107 |
| Assets per employee ($millions) | 4.2462% | 3,433 |
| Cash dividends to net income (ytd only)* | 35.0334% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7713% | 5,583 |
| Loan loss allowance to noncurrent loans | 18.8715% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 2.2096% | 857 |
| Noncurrent loans to loans | 4.0870% | 307 |
| Net loans and leases to total assets | 53.6469% | 4,598 |
| Net loans and leases to deposits | 59.5083% | 4,892 |
| Net loans and leases to core deposits | 65.0808% | 4,757 |
| Total domestic deposits to total assets | 90.1503% | 513 |
| Equity capital to assets | 9.0365% | 5,275 |
| Core capital (leverage) ratio | 8.9087% | 5,106 |
| Tier 1 risk-based capital ratio | 15.2550% | 3,162 |
| Total risk-based capital ratio | 15.9606% | 3,380 |
| Memoranda: | ||
| Average total assets | $71,962,250 | 5,101 |
| Average earning assets | $67,339,750 | 5,064 |
| Average equity | $6,251,250 | 5,447 |
| Average total loans | $37,659,750 | 5,153 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1123% | 2,850 |
| Cost of funding earning assets | 0.4770% | 2,457 |
| Net interest margin | 3.6353% | 2,958 |
| Noninterest income to average assets | 0.5397% | 3,111 |
| Noninterest expense to average assets | 2.5484% | 4,076 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3883% | 1,118 |
| Return on assets (ROA) | 1.3883% | 1,154 |
| Pretax return on assets | 1.4050% | 1,960 |
| Return on Equity (ROE) | 16.1995% | 591 |
| Retained earnings to average equity (ytd only) | 10.7456% | 536 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4616% | 4,281 |
| Assets per employee ($millions) | 4.4061% | 3,130 |
| Cash dividends to net income (ytd only)* | 33.6673% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7937% | 5,611 |
| Loan loss allowance to noncurrent loans | 27.7419% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 1.4485% | 1,716 |
| Noncurrent loans to loans | 2.8611% | 712 |
| Net loans and leases to total assets | 50.2263% | 4,911 |
| Net loans and leases to deposits | 55.2227% | 5,177 |
| Net loans and leases to core deposits | 60.5891% | 5,035 |
| Total domestic deposits to total assets | 90.9523% | 304 |
| Equity capital to assets | 8.2720% | 5,847 |
| Core capital (leverage) ratio | 8.7137% | 5,305 |
| Tier 1 risk-based capital ratio | 15.1732% | 3,263 |
| Total risk-based capital ratio | 15.8920% | 3,484 |
| Memoranda: | ||
| Average total assets | $71,888,000 | 5,159 |
| Average earning assets | $67,504,000 | 5,115 |
| Average equity | $6,160,670 | 5,514 |
| Average total loans | $37,204,330 | 5,209 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9900% | 3,263 |
| Cost of funding earning assets | 0.4897% | 2,384 |
| Net interest margin | 3.5003% | 3,436 |
| Noninterest income to average assets | 0.5456% | 2,984 |
| Noninterest expense to average assets | 2.4552% | 4,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3811% | 1,066 |
| Return on assets (ROA) | 1.3811% | 1,123 |
| Pretax return on assets | 1.3811% | 1,955 |
| Return on Equity (ROE) | 15.8229% | 591 |
| Retained earnings to average equity (ytd only) | 11.8509% | 588 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0000% | 4,481 |
| Assets per employee ($millions) | 4.2915% | 3,389 |
| Cash dividends to net income (ytd only)* | 25.1029% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8352% | 5,606 |
| Loan loss allowance to noncurrent loans | 29.4521% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 1.4009% | 1,896 |
| Noncurrent loans to loans | 2.8359% | 802 |
| Net loans and leases to total assets | 48.9850% | 4,941 |
| Net loans and leases to deposits | 54.0618% | 5,186 |
| Net loans and leases to core deposits | 58.8292% | 5,075 |
| Total domestic deposits to total assets | 90.6093% | 491 |
| Equity capital to assets | 8.6026% | 5,657 |
| Core capital (leverage) ratio | 8.7589% | 5,252 |
| Tier 1 risk-based capital ratio | 15.6647% | 3,073 |
| Total risk-based capital ratio | 16.4212% | 3,261 |
| Memoranda: | ||
| Average total assets | $70,380,500 | 5,248 |
| Average earning assets | $66,166,000 | 5,197 |
| Average equity | $6,143,000 | 5,569 |
| Average total loans | $36,845,500 | 5,258 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3337% | 2,482 |
| Cost of funding earning assets | 0.5561% | 2,162 |
| Net interest margin | 3.7777% | 2,700 |
| Noninterest income to average assets | 0.5909% | 2,910 |
| Noninterest expense to average assets | 2.8509% | 3,301 |
| Loan and lease loss provision to assets | -0.0442% | 6,015 |
| Net operating income to assets | 1.2625% | 1,397 |
| Return on assets (ROA) | 1.2625% | 1,454 |
| Pretax return on assets | 1.2915% | 2,269 |
| Return on Equity (ROE) | 14.4289% | 861 |
| Retained earnings to average equity (ytd only) | 8.1979% | 952 |
| Net charge-offs to loans | -0.2416% | 6,292 |
| Credit loss provision to net charge-offs | 32.5843% | 3,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5652% | 3,617 |
| Assets per employee ($millions) | 4.2379% | 3,463 |
| Cash dividends to net income (ytd only)* | 43.1846% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7994% | 5,772 |
| Loan loss allowance to noncurrent loans | 27.9221% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 1.5898% | 1,701 |
| Noncurrent loans to loans | 2.8630% | 806 |
| Net loans and leases to total assets | 55.0866% | 4,441 |
| Net loans and leases to deposits | 61.0237% | 4,804 |
| Net loans and leases to core deposits | 65.1481% | 4,738 |
| Total domestic deposits to total assets | 90.2708% | 619 |
| Equity capital to assets | 8.8635% | 5,416 |
| Core capital (leverage) ratio | 8.8700% | 5,155 |
| Tier 1 risk-based capital ratio | 13.8035% | 4,233 |
| Total risk-based capital ratio | 14.4933% | 4,487 |
| Memoranda: | ||
| Average total assets | $65,662,400 | 5,408 |
| Average earning assets | $60,963,400 | 5,374 |
| Average equity | $5,745,400 | 5,680 |
| Average total loans | $36,832,200 | 5,296 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3421% | 2,448 |
| Cost of funding earning assets | 0.5654% | 2,142 |
| Net interest margin | 3.7767% | 2,707 |
| Noninterest income to average assets | 0.5835% | 2,970 |
| Noninterest expense to average assets | 2.6573% | 3,988 |
| Loan and lease loss provision to assets | -0.0594% | 6,211 |
| Net operating income to assets | 1.4638% | 1,000 |
| Return on assets (ROA) | 1.4638% | 1,042 |
| Pretax return on assets | 1.4863% | 1,691 |
| Return on Equity (ROE) | 16.7858% | 580 |
| Retained earnings to average equity (ytd only) | 10.6349% | 566 |
| Net charge-offs to loans | -0.3385% | 6,411 |
| Credit loss provision to net charge-offs | 31.1828% | 3,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0627% | 4,360 |
| Assets per employee ($millions) | 3.9561% | 3,969 |
| Cash dividends to net income (ytd only)* | 36.6429% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8089% | 5,856 |
| Loan loss allowance to noncurrent loans | 25.8256% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 1.7560% | 1,703 |
| Noncurrent loans to loans | 3.1323% | 820 |
| Net loans and leases to total assets | 55.6086% | 4,380 |
| Net loans and leases to deposits | 61.6118% | 4,782 |
| Net loans and leases to core deposits | 66.3291% | 4,676 |
| Total domestic deposits to total assets | 90.2563% | 627 |
| Equity capital to assets | 8.8575% | 5,502 |
| Core capital (leverage) ratio | 9.0691% | 4,969 |
| Tier 1 risk-based capital ratio | 13.9843% | 4,230 |
| Total risk-based capital ratio | 14.6946% | 4,520 |
| Memoranda: | ||
| Average total assets | $65,126,500 | 5,480 |
| Average earning assets | $60,369,250 | 5,446 |
| Average equity | $5,679,250 | 5,750 |
| Average total loans | $36,627,000 | 5,357 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2909% | 2,608 |
| Cost of funding earning assets | 0.5668% | 2,196 |
| Net interest margin | 3.7241% | 2,860 |
| Noninterest income to average assets | 0.5744% | 2,963 |
| Noninterest expense to average assets | 2.6390% | 4,098 |
| Loan and lease loss provision to assets | -0.0900% | 6,360 |
| Net operating income to assets | 1.4685% | 930 |
| Return on assets (ROA) | 1.4685% | 970 |
| Pretax return on assets | 1.4934% | 1,557 |
| Return on Equity (ROE) | 16.9332% | 558 |
| Retained earnings to average equity (ytd only) | 10.8830% | 555 |
| Net charge-offs to loans | -0.0055% | 5,195 |
| Credit loss provision to net charge-offs | 2,900.0000% | 130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2842% | 4,473 |
| Assets per employee ($millions) | 4.1294% | 3,586 |
| Cash dividends to net income (ytd only)* | 35.7294% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5658% | 6,352 |
| Loan loss allowance to noncurrent loans | 19.6133% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 1.6437% | 1,987 |
| Noncurrent loans to loans | 2.8846% | 1,032 |
| Net loans and leases to total assets | 56.6587% | 4,165 |
| Net loans and leases to deposits | 62.7241% | 4,618 |
| Net loans and leases to core deposits | 67.8379% | 4,488 |
| Total domestic deposits to total assets | 90.3301% | 645 |
| Equity capital to assets | 8.7769% | 5,538 |
| Core capital (leverage) ratio | 8.7771% | 5,295 |
| Tier 1 risk-based capital ratio | 13.6124% | 4,516 |
| Total risk-based capital ratio | 14.1077% | 4,941 |
| Memoranda: | ||
| Average total assets | $64,417,330 | 5,544 |
| Average earning assets | $59,987,670 | 5,504 |
| Average equity | $5,586,670 | 5,810 |
| Average total loans | $36,268,000 | 5,409 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1763% | 2,959 |
| Cost of funding earning assets | 0.5618% | 2,326 |
| Net interest margin | 3.6145% | 3,192 |
| Noninterest income to average assets | 0.5850% | 2,825 |
| Noninterest expense to average assets | 2.7111% | 3,898 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2077% | 1,462 |
| Return on assets (ROA) | 1.2077% | 1,527 |
| Pretax return on assets | 1.2329% | 2,336 |
| Return on Equity (ROE) | 14.0133% | 943 |
| Retained earnings to average equity (ytd only) | 9.0503% | 1,231 |
| Net charge-offs to loans | -0.0112% | 5,095 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7400% | 4,057 |
| Assets per employee ($millions) | 4.1621% | 3,610 |
| Cash dividends to net income (ytd only)* | 35.4167% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6778% | 6,307 |
| Loan loss allowance to noncurrent loans | 15.6432% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 2.3231% | 1,407 |
| Noncurrent loans to loans | 4.3330% | 583 |
| Net loans and leases to total assets | 53.2503% | 4,520 |
| Net loans and leases to deposits | 58.7054% | 4,873 |
| Net loans and leases to core deposits | 62.8607% | 4,800 |
| Total domestic deposits to total assets | 90.7077% | 685 |
| Equity capital to assets | 8.4228% | 5,725 |
| Core capital (leverage) ratio | 8.9546% | 5,082 |
| Tier 1 risk-based capital ratio | 13.6045% | 4,605 |
| Total risk-based capital ratio | 14.1847% | 4,978 |
| Memoranda: | ||
| Average total assets | $63,590,500 | 5,628 |
| Average earning assets | $59,096,000 | 5,587 |
| Average equity | $5,480,500 | 5,873 |
| Average total loans | $35,578,000 | 5,481 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4780% | 2,296 |
| Cost of funding earning assets | 0.6071% | 2,597 |
| Net interest margin | 3.8709% | 2,395 |
| Noninterest income to average assets | 0.6188% | 2,985 |
| Noninterest expense to average assets | 3.3580% | 1,978 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8340% | 3,111 |
| Return on assets (ROA) | 0.8340% | 3,194 |
| Pretax return on assets | 0.8525% | 3,952 |
| Return on Equity (ROE) | 8.9489% | 2,556 |
| Retained earnings to average equity (ytd only) | 1.1186% | 5,329 |
| Net charge-offs to loans | 0.0116% | 5,222 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 126.7500% | 369 |
| Efficiency ratio | 79.7524% | 2,187 |
| Assets per employee ($millions) | 3.5640% | 4,771 |
| Cash dividends to net income (ytd only)* | 87.5000% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6798% | 6,371 |
| Loan loss allowance to noncurrent loans | 16.5295% | 6,216 |
| Noncurrent assets plus other real estate owned to assets | 2.4064% | 1,440 |
| Noncurrent loans to loans | 4.1125% | 693 |
| Net loans and leases to total assets | 58.1171% | 4,020 |
| Net loans and leases to deposits | 64.4142% | 4,466 |
| Net loans and leases to core deposits | 67.5323% | 4,559 |
| Total domestic deposits to total assets | 90.2241% | 954 |
| Equity capital to assets | 8.8334% | 5,218 |
| Core capital (leverage) ratio | 9.3061% | 4,540 |
| Tier 1 risk-based capital ratio | 13.7937% | 4,444 |
| Total risk-based capital ratio | 14.3926% | 4,834 |
| Memoranda: | ||
| Average total assets | $59,470,000 | 5,770 |
| Average earning assets | $55,181,400 | 5,726 |
| Average equity | $5,542,600 | 5,922 |
| Average total loans | $34,518,000 | 5,561 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4776% | 2,321 |
| Cost of funding earning assets | 0.6195% | 2,650 |
| Net interest margin | 3.8580% | 2,429 |
| Noninterest income to average assets | 0.6240% | 3,018 |
| Noninterest expense to average assets | 3.3383% | 1,982 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8470% | 3,116 |
| Return on assets (ROA) | 0.8470% | 3,230 |
| Pretax return on assets | 0.8627% | 4,035 |
| Return on Equity (ROE) | 8.9678% | 2,651 |
| Retained earnings to average equity (ytd only) | 0.8586% | 5,634 |
| Net charge-offs to loans | 0.0117% | 4,907 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 127.6625% | 415 |
| Efficiency ratio | 79.4638% | 2,188 |
| Assets per employee ($millions) | 3.6917% | 4,469 |
| Cash dividends to net income (ytd only)* | 90.4253% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6819% | 6,463 |
| Loan loss allowance to noncurrent loans | 17.1631% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 2.4024% | 1,619 |
| Noncurrent loans to loans | 3.9732% | 883 |
| Net loans and leases to total assets | 59.6712% | 3,743 |
| Net loans and leases to deposits | 66.2394% | 4,274 |
| Net loans and leases to core deposits | 69.6740% | 4,360 |
| Total domestic deposits to total assets | 90.0841% | 948 |
| Equity capital to assets | 8.9441% | 5,251 |
| Core capital (leverage) ratio | 9.3097% | 4,681 |
| Tier 1 risk-based capital ratio | 13.7202% | 4,620 |
| Total risk-based capital ratio | 14.3212% | 5,030 |
| Memoranda: | ||
| Average total assets | $59,190,500 | 5,841 |
| Average earning assets | $54,879,750 | 5,796 |
| Average equity | $5,590,250 | 5,980 |
| Average total loans | $34,284,250 | 5,622 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4996% | 2,201 |
| Cost of funding earning assets | 0.6257% | 2,729 |
| Net interest margin | 3.8739% | 2,299 |
| Noninterest income to average assets | 0.6010% | 3,182 |
| Noninterest expense to average assets | 3.6197% | 1,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5673% | 4,468 |
| Return on assets (ROA) | 0.5673% | 4,637 |
| Pretax return on assets | 0.5774% | 5,105 |
| Return on Equity (ROE) | 5.9023% | 4,228 |
| Retained earnings to average equity (ytd only) | -2.4242% | 6,238 |
| Net charge-offs to loans | 0.0236% | 4,368 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 42.7500% | 886 |
| Efficiency ratio | 86.2430% | 1,391 |
| Assets per employee ($millions) | 3.7956% | 4,216 |
| Cash dividends to net income (ytd only)* | 141.0714% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7032% | 6,490 |
| Loan loss allowance to noncurrent loans | 18.4816% | 6,335 |
| Noncurrent assets plus other real estate owned to assets | 2.1472% | 2,007 |
| Noncurrent loans to loans | 3.8050% | 1,068 |
| Net loans and leases to total assets | 56.0349% | 4,285 |
| Net loans and leases to deposits | 62.1360% | 4,723 |
| Net loans and leases to core deposits | 65.8730% | 4,702 |
| Total domestic deposits to total assets | 90.1811% | 931 |
| Equity capital to assets | 8.8737% | 5,361 |
| Core capital (leverage) ratio | 8.8974% | 5,148 |
| Tier 1 risk-based capital ratio | 13.7216% | 4,630 |
| Total risk-based capital ratio | 14.3316% | 5,027 |
| Memoranda: | ||
| Average total assets | $59,231,670 | 5,870 |
| Average earning assets | $54,982,670 | 5,824 |
| Average equity | $5,692,670 | 5,996 |
| Average total loans | $33,883,000 | 5,673 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1506% | 3,508 |
| Cost of funding earning assets | 0.6318% | 2,832 |
| Net interest margin | 3.5188% | 3,622 |
| Noninterest income to average assets | 0.5677% | 3,325 |
| Noninterest expense to average assets | 2.5238% | 4,679 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3201% | 1,228 |
| Return on assets (ROA) | 1.3201% | 1,329 |
| Pretax return on assets | 1.3201% | 2,161 |
| Return on Equity (ROE) | 13.2090% | 1,115 |
| Retained earnings to average equity (ytd only) | 5.8174% | 2,771 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6584% | 4,719 |
| Assets per employee ($millions) | 3.7943% | 4,365 |
| Cash dividends to net income (ytd only)* | 55.9585% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7238% | 6,559 |
| Loan loss allowance to noncurrent loans | 18.3796% | 6,379 |
| Noncurrent assets plus other real estate owned to assets | 2.1958% | 2,124 |
| Noncurrent loans to loans | 3.9378% | 1,153 |
| Net loans and leases to total assets | 55.3568% | 4,192 |
| Net loans and leases to deposits | 61.9545% | 4,555 |
| Net loans and leases to core deposits | 66.3822% | 4,485 |
| Total domestic deposits to total assets | 89.3507% | 1,456 |
| Equity capital to assets | 9.7055% | 4,557 |
| Core capital (leverage) ratio | 9.4811% | 4,121 |
| Tier 1 risk-based capital ratio | 14.4001% | 4,241 |
| Total risk-based capital ratio | 15.0329% | 4,628 |
| Memoranda: | ||
| Average total assets | $58,482,500 | 5,948 |
| Average earning assets | $54,450,000 | 5,893 |
| Average equity | $5,844,500 | 6,019 |
| Average total loans | $33,689,000 | 5,717 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4172% | 3,746 |
| Cost of funding earning assets | 0.7968% | 2,691 |
| Net interest margin | 3.6205% | 4,000 |
| Noninterest income to average assets | 0.5568% | 3,526 |
| Noninterest expense to average assets | 2.9681% | 3,393 |
| Loan and lease loss provision to assets | 0.0393% | 5,378 |
| Net operating income to assets | 0.8603% | 3,000 |
| Return on assets (ROA) | 0.8728% | 3,189 |
| Pretax return on assets | 0.8870% | 3,968 |
| Return on Equity (ROE) | 8.5660% | 2,841 |
| Retained earnings to average equity (ytd only) | 2.1546% | 4,718 |
| Net charge-offs to loans | 0.0189% | 5,646 |
| Credit loss provision to net charge-offs | 366.6667% | 665 |
| Earnings coverage of net charge-offs (x) | 85.3333% | 456 |
| Efficiency ratio | 76.4598% | 2,668 |
| Assets per employee ($millions) | 3.5161% | 4,978 |
| Cash dividends to net income (ytd only)* | 74.8466% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7308% | 6,598 |
| Loan loss allowance to noncurrent loans | 18.6170% | 6,422 |
| Noncurrent assets plus other real estate owned to assets | 2.3393% | 2,100 |
| Noncurrent loans to loans | 3.9252% | 1,215 |
| Net loans and leases to total assets | 59.1606% | 3,765 |
| Net loans and leases to deposits | 66.7241% | 4,179 |
| Net loans and leases to core deposits | 70.7075% | 4,200 |
| Total domestic deposits to total assets | 88.6645% | 1,794 |
| Equity capital to assets | 10.3045% | 3,751 |
| Core capital (leverage) ratio | 9.7422% | 3,748 |
| Tier 1 risk-based capital ratio | 14.3207% | 4,151 |
| Total risk-based capital ratio | 14.9598% | 4,544 |
| Memoranda: | ||
| Average total assets | $56,029,600 | 6,025 |
| Average earning assets | $51,457,600 | 5,997 |
| Average equity | $5,708,600 | 6,096 |
| Average total loans | $31,714,600 | 5,867 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4290% | 3,928 |
| Cost of funding earning assets | 0.8285% | 2,715 |
| Net interest margin | 3.6006% | 4,235 |
| Noninterest income to average assets | 0.5741% | 3,448 |
| Noninterest expense to average assets | 2.8942% | 3,619 |
| Loan and lease loss provision to assets | 0.0524% | 5,098 |
| Net operating income to assets | 0.8957% | 3,001 |
| Return on assets (ROA) | 0.9123% | 3,146 |
| Pretax return on assets | 0.9361% | 3,975 |
| Return on Equity (ROE) | 8.9800% | 2,812 |
| Retained earnings to average equity (ytd only) | 2.5791% | 5,018 |
| Net charge-offs to loans | 0.0341% | 5,164 |
| Credit loss provision to net charge-offs | 275.0000% | 988 |
| Earnings coverage of net charge-offs (x) | 50.9831% | 743 |
| Efficiency ratio | 74.8614% | 2,846 |
| Assets per employee ($millions) | 3.4273% | 5,146 |
| Cash dividends to net income (ytd only)* | 71.2797% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7618% | 6,669 |
| Loan loss allowance to noncurrent loans | 22.3757% | 6,434 |
| Noncurrent assets plus other real estate owned to assets | 1.9804% | 2,671 |
| Noncurrent loans to loans | 3.4047% | 1,606 |
| Net loans and leases to total assets | 57.7238% | 4,176 |
| Net loans and leases to deposits | 66.0022% | 4,470 |
| Net loans and leases to core deposits | 71.4925% | 4,317 |
| Total domestic deposits to total assets | 87.4574% | 2,377 |
| Equity capital to assets | 10.5476% | 3,784 |
| Core capital (leverage) ratio | 9.8861% | 3,703 |
| Tier 1 risk-based capital ratio | 15.0617% | 3,805 |
| Total risk-based capital ratio | 15.7301% | 4,170 |
| Memoranda: | ||
| Average total assets | $55,972,750 | 6,092 |
| Average earning assets | $51,176,000 | 6,082 |
| Average equity | $5,686,500 | 6,174 |
| Average total loans | $31,261,500 | 5,962 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4285% | 4,074 |
| Cost of funding earning assets | 0.8437% | 2,852 |
| Net interest margin | 3.5848% | 4,328 |
| Noninterest income to average assets | 0.5750% | 3,411 |
| Noninterest expense to average assets | 2.9245% | 3,524 |
| Loan and lease loss provision to assets | 0.0781% | 4,633 |
| Net operating income to assets | 0.8199% | 3,303 |
| Return on assets (ROA) | 0.8199% | 3,558 |
| Pretax return on assets | 0.8447% | 4,298 |
| Return on Equity (ROE) | 8.1712% | 3,182 |
| Retained earnings to average equity (ytd only) | 1.0258% | 5,666 |
| Net charge-offs to loans | 0.0515% | 4,685 |
| Credit loss provision to net charge-offs | 275.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 1,021 |
| Efficiency ratio | 76.0148% | 2,741 |
| Assets per employee ($millions) | 3.3661% | 5,284 |
| Cash dividends to net income (ytd only)* | 87.4459% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7782% | 6,718 |
| Loan loss allowance to noncurrent loans | 32.6174% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 1.3019% | 3,821 |
| Noncurrent loans to loans | 2.3858% | 2,512 |
| Net loans and leases to total assets | 54.1434% | 4,775 |
| Net loans and leases to deposits | 61.4230% | 5,079 |
| Net loans and leases to core deposits | 66.2370% | 4,972 |
| Total domestic deposits to total assets | 88.1483% | 2,040 |
| Equity capital to assets | 9.9364% | 4,441 |
| Core capital (leverage) ratio | 9.3321% | 4,409 |
| Tier 1 risk-based capital ratio | 14.8214% | 3,884 |
| Total risk-based capital ratio | 15.4890% | 4,246 |
| Memoranda: | ||
| Average total assets | $56,351,330 | 6,130 |
| Average earning assets | $51,439,330 | 6,106 |
| Average equity | $5,654,000 | 6,204 |
| Average total loans | $31,049,670 | 6,012 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5615% | 3,670 |
| Cost of funding earning assets | 0.8997% | 2,694 |
| Net interest margin | 3.6618% | 3,998 |
| Noninterest income to average assets | 0.5580% | 3,513 |
| Noninterest expense to average assets | 2.7685% | 4,166 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0802% | 2,171 |
| Return on assets (ROA) | 1.0802% | 2,351 |
| Pretax return on assets | 1.1088% | 3,290 |
| Return on Equity (ROE) | 10.7130% | 2,134 |
| Retained earnings to average equity (ytd only) | 3.4764% | 4,494 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4022% | 3,553 |
| Assets per employee ($millions) | 3.4272% | 5,280 |
| Cash dividends to net income (ytd only)* | 67.5497% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7548% | 6,807 |
| Loan loss allowance to noncurrent loans | 40.7473% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 0.9646% | 4,577 |
| Noncurrent loans to loans | 1.8523% | 3,340 |
| Net loans and leases to total assets | 51.6838% | 5,064 |
| Net loans and leases to deposits | 58.4540% | 5,331 |
| Net loans and leases to core deposits | 63.8887% | 5,127 |
| Total domestic deposits to total assets | 88.4178% | 2,061 |
| Equity capital to assets | 9.6976% | 4,522 |
| Core capital (leverage) ratio | 9.4903% | 4,062 |
| Tier 1 risk-based capital ratio | 15.0977% | 3,696 |
| Total risk-based capital ratio | 15.7361% | 4,081 |
| Memoranda: | ||
| Average total assets | $55,915,000 | 6,178 |
| Average earning assets | $50,685,500 | 6,165 |
| Average equity | $5,638,000 | 6,240 |
| Average total loans | $30,961,500 | 6,062 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8608% | 3,540 |
| Cost of funding earning assets | 1.0351% | 3,124 |
| Net interest margin | 3.8257% | 3,692 |
| Noninterest income to average assets | 0.5954% | 3,188 |
| Noninterest expense to average assets | 3.4092% | 2,216 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6713% | 3,623 |
| Return on assets (ROA) | 0.6713% | 3,817 |
| Pretax return on assets | 0.6888% | 4,364 |
| Return on Equity (ROE) | 6.1793% | 3,782 |
| Retained earnings to average equity (ytd only) | 0.2687% | 5,706 |
| Net charge-offs to loans | 0.0594% | 5,713 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 19.6667% | 1,160 |
| Efficiency ratio | 83.1909% | 1,863 |
| Assets per employee ($millions) | 3.1511% | 5,806 |
| Cash dividends to net income (ytd only)* | 95.6522% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7251% | 6,865 |
| Loan loss allowance to noncurrent loans | 44.3798% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 0.9633% | 4,682 |
| Noncurrent loans to loans | 1.6338% | 3,715 |
| Net loans and leases to total assets | 58.5293% | 4,274 |
| Net loans and leases to deposits | 66.9407% | 4,594 |
| Net loans and leases to core deposits | 70.1661% | 4,757 |
| Total domestic deposits to total assets | 87.4347% | 2,505 |
| Equity capital to assets | 10.5025% | 3,535 |
| Core capital (leverage) ratio | 10.1108% | 3,210 |
| Tier 1 risk-based capital ratio | 15.0291% | 3,620 |
| Total risk-based capital ratio | 15.6705% | 4,003 |
| Memoranda: | ||
| Average total assets | $51,390,800 | 6,323 |
| Average earning assets | $47,050,200 | 6,290 |
| Average equity | $5,583,200 | 6,263 |
| Average total loans | $30,322,600 | 6,141 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 3,930 |
| Cost of funding earning assets | 1.0656% | 3,207 |
| Net interest margin | 3.7568% | 4,081 |
| Noninterest income to average assets | 0.5900% | 3,232 |
| Noninterest expense to average assets | 3.2279% | 2,736 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7657% | 3,317 |
| Return on assets (ROA) | 0.7657% | 3,479 |
| Pretax return on assets | 0.8103% | 4,091 |
| Return on Equity (ROE) | 6.9865% | 3,534 |
| Retained earnings to average equity (ytd only) | 1.5313% | 5,371 |
| Net charge-offs to loans | 0.0755% | 5,208 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 18.1734% | 1,318 |
| Efficiency ratio | 79.9351% | 2,261 |
| Assets per employee ($millions) | 2.7040% | 6,643 |
| Cash dividends to net income (ytd only)* | 78.0823% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7324% | 6,922 |
| Loan loss allowance to noncurrent loans | 19.2308% | 6,704 |
| Noncurrent assets plus other real estate owned to assets | 2.3279% | 2,756 |
| Noncurrent loans to loans | 3.8084% | 1,769 |
| Net loans and leases to total assets | 60.6781% | 4,011 |
| Net loans and leases to deposits | 70.0004% | 4,301 |
| Net loans and leases to core deposits | 73.5357% | 4,519 |
| Total domestic deposits to total assets | 86.6825% | 2,835 |
| Equity capital to assets | 11.1414% | 3,009 |
| Core capital (leverage) ratio | 10.5283% | 2,834 |
| Tier 1 risk-based capital ratio | 15.3813% | 3,443 |
| Total risk-based capital ratio | 16.0347% | 3,760 |
| Memoranda: | ||
| Average total assets | $50,846,500 | 6,397 |
| Average earning assets | $46,669,750 | 6,359 |
| Average equity | $5,572,500 | 6,309 |
| Average total loans | $30,007,750 | 6,219 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 4,468 |
| Cost of funding earning assets | 1.0574% | 3,553 |
| Net interest margin | 3.6578% | 4,487 |
| Noninterest income to average assets | 0.5842% | 3,236 |
| Noninterest expense to average assets | 3.2722% | 2,662 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6276% | 3,920 |
| Return on assets (ROA) | 0.6276% | 4,043 |
| Pretax return on assets | 0.6710% | 4,492 |
| Return on Equity (ROE) | 5.7588% | 4,081 |
| Retained earnings to average equity (ytd only) | 0.3984% | 5,684 |
| Net charge-offs to loans | 0.0474% | 5,187 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 24.2857% | 1,067 |
| Efficiency ratio | 82.9830% | 1,960 |
| Assets per employee ($millions) | 2.7520% | 6,560 |
| Cash dividends to net income (ytd only)* | 93.0818% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7845% | 6,899 |
| Loan loss allowance to noncurrent loans | 36.1991% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 1.2680% | 4,364 |
| Noncurrent loans to loans | 2.1671% | 3,263 |
| Net loans and leases to total assets | 58.0516% | 4,613 |
| Net loans and leases to deposits | 66.6096% | 4,907 |
| Net loans and leases to core deposits | 68.5672% | 5,231 |
| Total domestic deposits to total assets | 87.1519% | 2,657 |
| Equity capital to assets | 10.7290% | 3,255 |
| Core capital (leverage) ratio | 10.3543% | 2,877 |
| Tier 1 risk-based capital ratio | 15.3593% | 3,319 |
| Total risk-based capital ratio | 16.0466% | 3,588 |
| Memoranda: | ||
| Average total assets | $50,670,000 | 6,460 |
| Average earning assets | $46,531,330 | 6,423 |
| Average equity | $5,522,000 | 6,363 |
| Average total loans | $29,542,330 | 6,307 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7432% | 4,322 |
| Cost of funding earning assets | 1.0724% | 3,705 |
| Net interest margin | 3.6707% | 4,244 |
| Noninterest income to average assets | 0.5616% | 3,423 |
| Noninterest expense to average assets | 3.5378% | 1,911 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3530% | 5,161 |
| Return on assets (ROA) | 0.3530% | 5,241 |
| Pretax return on assets | 0.4011% | 5,340 |
| Return on Equity (ROE) | 3.2129% | 5,277 |
| Retained earnings to average equity (ytd only) | -3.3589% | 6,342 |
| Net charge-offs to loans | 0.0689% | 4,237 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,669 |
| Efficiency ratio | 89.8167% | 1,350 |
| Assets per employee ($millions) | 2.8638% | 6,417 |
| Cash dividends to net income (ytd only)* | 204.5455% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8417% | 6,836 |
| Loan loss allowance to noncurrent loans | 30.5170% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 1.5384% | 3,941 |
| Noncurrent loans to loans | 2.7580% | 2,742 |
| Net loans and leases to total assets | 55.3096% | 5,111 |
| Net loans and leases to deposits | 63.4339% | 5,333 |
| Net loans and leases to core deposits | 64.8862% | 5,635 |
| Total domestic deposits to total assets | 87.1925% | 2,839 |
| Equity capital to assets | 10.6658% | 3,023 |
| Core capital (leverage) ratio | 10.5582% | 2,551 |
| Tier 1 risk-based capital ratio | 16.2114% | 2,804 |
| Total risk-based capital ratio | 16.9508% | 3,012 |
| Memoranda: | ||
| Average total assets | $49,861,000 | 6,537 |
| Average earning assets | $45,876,500 | 6,493 |
| Average equity | $5,478,000 | 6,394 |
| Average total loans | $29,016,500 | 6,370 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1654% | 3,777 |
| Cost of funding earning assets | 1.1782% | 4,687 |
| Net interest margin | 3.9872% | 3,075 |
| Noninterest income to average assets | 0.5823% | 3,578 |
| Noninterest expense to average assets | 3.8442% | 1,407 |
| Loan and lease loss provision to assets | -0.0633% | 7,595 |
| Net operating income to assets | 0.4705% | 4,228 |
| Return on assets (ROA) | 0.4705% | 4,395 |
| Pretax return on assets | 0.4642% | 4,749 |
| Return on Equity (ROE) | 3.9046% | 4,572 |
| Retained earnings to average equity (ytd only) | -2.5214% | 6,049 |
| Net charge-offs to loans | -0.0244% | 7,381 |
| Credit loss provision to net charge-offs | 428.5714% | 546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5567% | 1,284 |
| Assets per employee ($millions) | 2.6763% | 6,730 |
| Cash dividends to net income (ytd only)* | 164.5740% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8436% | 6,871 |
| Loan loss allowance to noncurrent loans | 31.4249% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 1.6316% | 3,860 |
| Noncurrent loans to loans | 2.6844% | 2,838 |
| Net loans and leases to total assets | 60.2669% | 4,636 |
| Net loans and leases to deposits | 69.7674% | 4,842 |
| Net loans and leases to core deposits | 71.4958% | 5,270 |
| Total domestic deposits to total assets | 86.3827% | 3,148 |
| Equity capital to assets | 11.3298% | 2,390 |
| Core capital (leverage) ratio | 10.8968% | 2,232 |
| Tier 1 risk-based capital ratio | 16.0050% | 2,750 |
| Total risk-based capital ratio | 16.7456% | 2,963 |
| Memoranda: | ||
| Average total assets | $47,396,200 | 6,623 |
| Average earning assets | $43,539,800 | 6,594 |
| Average equity | $5,711,200 | 6,455 |
| Average total loans | $28,724,800 | 6,457 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2569% | 3,544 |
| Cost of funding earning assets | 1.1918% | 4,906 |
| Net interest margin | 4.0651% | 2,790 |
| Noninterest income to average assets | 0.5762% | 3,605 |
| Noninterest expense to average assets | 3.2795% | 2,637 |
| Loan and lease loss provision to assets | -0.0847% | 7,696 |
| Net operating income to assets | 1.0621% | 2,031 |
| Return on assets (ROA) | 1.0621% | 2,141 |
| Pretax return on assets | 1.1101% | 2,794 |
| Return on Equity (ROE) | 8.6816% | 2,616 |
| Retained earnings to average equity (ytd only) | 0.2078% | 5,694 |
| Net charge-offs to loans | -0.0280% | 7,395 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1811% | 2,913 |
| Assets per employee ($millions) | 2.5854% | 6,965 |
| Cash dividends to net income (ytd only)* | 97.6063% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8419% | 6,909 |
| Loan loss allowance to noncurrent loans | 33.5607% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 1.5751% | 4,081 |
| Noncurrent loans to loans | 2.5087% | 3,107 |
| Net loans and leases to total assets | 62.2558% | 4,474 |
| Net loans and leases to deposits | 73.1284% | 4,664 |
| Net loans and leases to core deposits | 75.0142% | 5,176 |
| Total domestic deposits to total assets | 85.1323% | 3,555 |
| Equity capital to assets | 12.4353% | 1,885 |
| Core capital (leverage) ratio | 11.8318% | 1,749 |
| Tier 1 risk-based capital ratio | 16.5576% | 2,537 |
| Total risk-based capital ratio | 17.2994% | 2,689 |
| Memoranda: | ||
| Average total assets | $47,201,750 | 6,713 |
| Average earning assets | $43,294,250 | 6,686 |
| Average equity | $5,774,500 | 6,521 |
| Average total loans | $28,586,000 | 6,553 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 3,367 |
| Cost of funding earning assets | 1.1706% | 5,285 |
| Net interest margin | 4.1498% | 2,337 |
| Noninterest income to average assets | 0.5989% | 3,340 |
| Noninterest expense to average assets | 3.0323% | 3,586 |
| Loan and lease loss provision to assets | -0.1307% | 7,774 |
| Net operating income to assets | 1.4634% | 971 |
| Return on assets (ROA) | 1.4634% | 1,033 |
| Pretax return on assets | 1.5098% | 1,535 |
| Return on Equity (ROE) | 12.0270% | 1,445 |
| Retained earnings to average equity (ytd only) | 4.1245% | 3,447 |
| Net charge-offs to loans | -0.0493% | 7,447 |
| Credit loss provision to net charge-offs | 442.8571% | 818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7380% | 4,438 |
| Assets per employee ($millions) | 3.3680% | 5,265 |
| Cash dividends to net income (ytd only)* | 65.7061% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8732% | 6,843 |
| Loan loss allowance to noncurrent loans | 36.0704% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 1.4464% | 4,290 |
| Noncurrent loans to loans | 2.4208% | 3,228 |
| Net loans and leases to total assets | 59.2255% | 5,212 |
| Net loans and leases to deposits | 69.4988% | 5,351 |
| Net loans and leases to core deposits | 70.8135% | 5,791 |
| Total domestic deposits to total assets | 85.2180% | 3,514 |
| Equity capital to assets | 12.4003% | 1,864 |
| Core capital (leverage) ratio | 12.0353% | 1,623 |
| Tier 1 risk-based capital ratio | 17.3734% | 2,143 |
| Total risk-based capital ratio | 18.1364% | 2,280 |
| Memoranda: | ||
| Average total assets | $47,423,330 | 6,752 |
| Average earning assets | $43,568,330 | 6,717 |
| Average equity | $5,770,330 | 6,541 |
| Average total loans | $28,375,330 | 6,612 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0094% | 4,978 |
| Cost of funding earning assets | 1.1455% | 5,678 |
| Net interest margin | 3.8639% | 3,493 |
| Noninterest income to average assets | 0.6644% | 2,854 |
| Noninterest expense to average assets | 3.0867% | 3,321 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1102% | 1,799 |
| Return on assets (ROA) | 1.1102% | 1,881 |
| Pretax return on assets | 1.1523% | 2,544 |
| Return on Equity (ROE) | 9.2114% | 2,423 |
| Retained earnings to average equity (ytd only) | -0.0698% | 5,846 |
| Net charge-offs to loans | -0.0140% | 6,987 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8175% | 3,792 |
| Assets per employee ($millions) | 3.2981% | 5,546 |
| Cash dividends to net income (ytd only)* | 100.7576% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 6,613 |
| Loan loss allowance to noncurrent loans | 37.7964% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 1.5529% | 4,172 |
| Noncurrent loans to loans | 2.5601% | 3,109 |
| Net loans and leases to total assets | 60.0697% | 5,110 |
| Net loans and leases to deposits | 70.5679% | 5,256 |
| Net loans and leases to core deposits | 71.9145% | 5,721 |
| Total domestic deposits to total assets | 85.1233% | 3,599 |
| Equity capital to assets | 12.4597% | 1,779 |
| Core capital (leverage) ratio | 11.6502% | 1,831 |
| Tier 1 risk-based capital ratio | 16.8615% | 2,321 |
| Total risk-based capital ratio | 17.6954% | 2,425 |
| Memoranda: | ||
| Average total assets | $47,559,000 | 6,821 |
| Average earning assets | $43,997,500 | 6,776 |
| Average equity | $5,732,000 | 6,602 |
| Average total loans | $28,477,000 | 6,689 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3526% | 4,928 |
| Cost of funding earning assets | 1.4809% | 5,592 |
| Net interest margin | 3.8716% | 3,391 |
| Noninterest income to average assets | 0.5585% | 3,957 |
| Noninterest expense to average assets | 2.9970% | 4,155 |
| Loan and lease loss provision to assets | 0.0217% | 7,286 |
| Net operating income to assets | 1.0866% | 1,546 |
| Return on assets (ROA) | 1.0866% | 1,593 |
| Pretax return on assets | 1.1192% | 2,189 |
| Return on Equity (ROE) | 8.9497% | 2,040 |
| Retained earnings to average equity (ytd only) | 2.4164% | 3,442 |
| Net charge-offs to loans | 0.0110% | 7,079 |
| Credit loss provision to net charge-offs | 333.3333% | 975 |
| Earnings coverage of net charge-offs (x) | 175.0000% | 162 |
| Efficiency ratio | 72.4265% | 4,194 |
| Assets per employee ($millions) | 3.4961% | 5,008 |
| Cash dividends to net income (ytd only)* | 73.0000% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 6,697 |
| Loan loss allowance to noncurrent loans | 29.1577% | 6,529 |
| Noncurrent assets plus other real estate owned to assets | 1.8919% | 3,543 |
| Noncurrent loans to loans | 3.1989% | 2,389 |
| Net loans and leases to total assets | 58.5903% | 5,558 |
| Net loans and leases to deposits | 68.1212% | 5,808 |
| Net loans and leases to core deposits | 78.1944% | 6,247 |
| Total domestic deposits to total assets | 86.0088% | 3,016 |
| Equity capital to assets | 11.6682% | 2,207 |
| Core capital (leverage) ratio | 11.7194% | 1,804 |
| Tier 1 risk-based capital ratio | 17.1828% | 2,104 |
| Total risk-based capital ratio | 18.0291% | 2,180 |
| Memoranda: | ||
| Average total assets | $46,013,000 | 6,872 |
| Average earning assets | $42,540,400 | 6,839 |
| Average equity | $5,586,800 | 6,749 |
| Average total loans | $27,162,200 | 6,794 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4005% | 4,949 |
| Cost of funding earning assets | 1.5708% | 5,536 |
| Net interest margin | 3.8297% | 3,527 |
| Noninterest income to average assets | 0.5712% | 3,909 |
| Noninterest expense to average assets | 3.0005% | 4,043 |
| Loan and lease loss provision to assets | 0.1148% | 6,217 |
| Net operating income to assets | 0.9452% | 2,249 |
| Return on assets (ROA) | 0.9452% | 2,311 |
| Pretax return on assets | 0.9953% | 2,923 |
| Return on Equity (ROE) | 7.7036% | 2,767 |
| Retained earnings to average equity (ytd only) | 1.6079% | 4,415 |
| Net charge-offs to loans | 0.0299% | 6,466 |
| Credit loss provision to net charge-offs | 650.0000% | 573 |
| Earnings coverage of net charge-offs (x) | 62.8313% | 519 |
| Efficiency ratio | 72.9943% | 4,055 |
| Assets per employee ($millions) | 3.4395% | 5,078 |
| Cash dividends to net income (ytd only)* | 79.1280% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 5,900 |
| Loan loss allowance to noncurrent loans | 25.2560% | 6,771 |
| Noncurrent assets plus other real estate owned to assets | 2.6211% | 2,654 |
| Noncurrent loans to loans | 4.2364% | 1,698 |
| Net loans and leases to total assets | 61.2090% | 5,381 |
| Net loans and leases to deposits | 72.2843% | 5,603 |
| Net loans and leases to core deposits | 84.7049% | 5,985 |
| Total domestic deposits to total assets | 84.6782% | 3,389 |
| Equity capital to assets | 12.7678% | 1,801 |
| Core capital (leverage) ratio | 12.0485% | 1,782 |
| Tier 1 risk-based capital ratio | 18.0641% | 1,969 |
| Total risk-based capital ratio | 19.0518% | 1,995 |
| Memoranda: | ||
| Average total assets | $45,280,000 | 6,952 |
| Average earning assets | $41,847,000 | 6,915 |
| Average equity | $5,555,750 | 6,827 |
| Average total loans | $26,716,000 | 6,872 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3702% | 5,298 |
| Cost of funding earning assets | 1.6582% | 5,479 |
| Net interest margin | 3.7119% | 3,901 |
| Noninterest income to average assets | 0.5366% | 4,138 |
| Noninterest expense to average assets | 3.0351% | 3,949 |
| Loan and lease loss provision to assets | 0.1715% | 5,353 |
| Net operating income to assets | 0.7082% | 3,216 |
| Return on assets (ROA) | 0.7082% | 3,323 |
| Pretax return on assets | 0.7566% | 3,814 |
| Return on Equity (ROE) | 5.8496% | 3,722 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,197 |
| Net charge-offs to loans | 0.0606% | 5,655 |
| Credit loss provision to net charge-offs | 487.5000% | 950 |
| Earnings coverage of net charge-offs (x) | 26.3750% | 1,084 |
| Efficiency ratio | 76.5816% | 3,585 |
| Assets per employee ($millions) | 3.4852% | 4,850 |
| Cash dividends to net income (ytd only)* | 100.0000% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 5,609 |
| Loan loss allowance to noncurrent loans | 24.4796% | 6,876 |
| Noncurrent assets plus other real estate owned to assets | 2.6507% | 2,421 |
| Noncurrent loans to loans | 4.4894% | 1,433 |
| Net loans and leases to total assets | 58.3959% | 5,909 |
| Net loans and leases to deposits | 68.3881% | 6,146 |
| Net loans and leases to core deposits | 79.8250% | 6,424 |
| Total domestic deposits to total assets | 85.3889% | 3,069 |
| Equity capital to assets | 12.0597% | 2,169 |
| Core capital (leverage) ratio | 11.6960% | 1,981 |
| Tier 1 risk-based capital ratio | 18.1128% | 1,984 |
| Total risk-based capital ratio | 19.1089% | 1,997 |
| Memoranda: | ||
| Average total assets | $45,468,670 | 6,999 |
| Average earning assets | $41,972,670 | 6,970 |
| Average equity | $5,504,670 | 6,896 |
| Average total loans | $26,399,670 | 6,944 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3849% | 5,503 |
| Cost of funding earning assets | 1.7475% | 5,364 |
| Net interest margin | 3.6374% | 4,155 |
| Noninterest income to average assets | 0.5972% | 3,568 |
| Noninterest expense to average assets | 3.1263% | 3,281 |
| Loan and lease loss provision to assets | 0.2547% | 3,927 |
| Net operating income to assets | 0.5269% | 4,304 |
| Return on assets (ROA) | 0.5269% | 4,492 |
| Pretax return on assets | 0.5796% | 4,820 |
| Return on Equity (ROE) | 4.3439% | 4,777 |
| Retained earnings to average equity (ytd only) | -1.3032% | 5,960 |
| Net charge-offs to loans | -0.0153% | 7,375 |
| Credit loss provision to net charge-offs | -2,900.0000% | 6,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9357% | 3,015 |
| Assets per employee ($millions) | 3.5038% | 4,816 |
| Cash dividends to net income (ytd only)* | 130.0000% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 5,286 |
| Loan loss allowance to noncurrent loans | 28.5019% | 6,654 |
| Noncurrent assets plus other real estate owned to assets | 2.2569% | 2,544 |
| Noncurrent loans to loans | 3.9514% | 1,531 |
| Net loans and leases to total assets | 56.4732% | 6,171 |
| Net loans and leases to deposits | 66.1940% | 6,362 |
| Net loans and leases to core deposits | 77.1004% | 6,601 |
| Total domestic deposits to total assets | 85.3147% | 3,056 |
| Equity capital to assets | 12.1452% | 2,168 |
| Core capital (leverage) ratio | 11.3354% | 2,254 |
| Tier 1 risk-based capital ratio | 18.2942% | 1,982 |
| Total risk-based capital ratio | 19.3002% | 1,989 |
| Memoranda: | ||
| Average total assets | $45,549,000 | 7,045 |
| Average earning assets | $42,118,000 | 7,012 |
| Average equity | $5,525,000 | 6,938 |
| Average total loans | $26,223,500 | 6,995 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0963% | 5,064 |
| Cost of funding earning assets | 2.2234% | 5,489 |
| Net interest margin | 3.8730% | 3,692 |
| Noninterest income to average assets | 0.5695% | 4,084 |
| Noninterest expense to average assets | 2.8147% | 4,762 |
| Loan and lease loss provision to assets | 0.1222% | 5,793 |
| Net operating income to assets | 1.2459% | 1,639 |
| Return on assets (ROA) | 1.2459% | 1,581 |
| Pretax return on assets | 1.2852% | 2,361 |
| Return on Equity (ROE) | 10.4886% | 2,089 |
| Retained earnings to average equity (ytd only) | 0.3306% | 5,040 |
| Net charge-offs to loans | -0.0077% | 7,826 |
| Credit loss provision to net charge-offs | -2,800.0000% | 7,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,984 |
| Assets per employee ($millions) | 3.5038% | 4,645 |
| Cash dividends to net income (ytd only)* | 96.8476% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 6,104 |
| Loan loss allowance to noncurrent loans | 26.8094% | 6,904 |
| Noncurrent assets plus other real estate owned to assets | 2.1537% | 2,277 |
| Noncurrent loans to loans | 3.7116% | 1,354 |
| Net loans and leases to total assets | 57.4502% | 6,279 |
| Net loans and leases to deposits | 67.3686% | 6,517 |
| Net loans and leases to core deposits | 77.7976% | 6,757 |
| Total domestic deposits to total assets | 85.2774% | 2,715 |
| Equity capital to assets | 12.1144% | 2,216 |
| Core capital (leverage) ratio | 11.7041% | 2,125 |
| Tier 1 risk-based capital ratio | 18.0746% | 2,019 |
| Total risk-based capital ratio | 18.9636% | 2,057 |
| Memoranda: | ||
| Average total assets | $45,830,800 | 6,943 |
| Average earning assets | $43,222,600 | 6,889 |
| Average equity | $5,444,000 | 7,000 |
| Average total loans | $25,966,400 | 6,967 |