Home > The International Bank of Amherst > Performance and Condition Ratios
The International Bank of Amherst, 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 | 4.7454% | 3,543 |
| Cost of funding earning assets | 0.9273% | 4,058 |
| Net interest margin | 3.8181% | 1,644 |
| Noninterest income to average assets | 0.2300% | 3,365 |
| Noninterest expense to average assets | 1.7490% | 3,984 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 2.0690% | 412 |
| Return on assets (ROA) | 2.0890% | 405 |
| Pretax return on assets | 2.1174% | 568 |
| Return on Equity (ROE) | 15.3700% | 994 |
| Retained earnings to average equity (ytd only) | 7.9255% | 1,703 |
| 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 | 44.7205% | 4,149 |
| Assets per employee ($millions) | 8.1705% | 1,472 |
| Cash dividends to net income (ytd only)* | 48.4496% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 3,715 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 47.8100% | 3,675 |
| Net loans and leases to deposits | 55.5765% | 3,671 |
| Net loans and leases to core deposits | 57.1981% | 3,789 |
| Total domestic deposits to total assets | 86.0200% | 2,293 |
| Equity capital to assets | 13.8445% | 723 |
| Core capital (leverage) ratio | 13.8424% | 837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $98,801,000 | 3,784 |
| Average earning assets | $95,335,000 | 3,736 |
| Average equity | $13,425,000 | 3,490 |
| Average total loans | $47,687,000 | 3,852 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3948% | 3,986 |
| Cost of funding earning assets | 0.9525% | 4,062 |
| Net interest margin | 3.4423% | 2,187 |
| Noninterest income to average assets | 0.2200% | 3,583 |
| Noninterest expense to average assets | 1.9372% | 3,717 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.5702% | 809 |
| Return on assets (ROA) | 1.5783% | 799 |
| Pretax return on assets | 1.5896% | 1,130 |
| Return on Equity (ROE) | 12.0000% | 1,610 |
| Retained earnings to average equity (ytd only) | 4.2015% | 2,548 |
| Net charge-offs to loans | 0.0089% | 2,580 |
| Credit loss provision to net charge-offs | 625.0000% | 539 |
| Earnings coverage of net charge-offs (x) | 391.7500% | 313 |
| Efficiency ratio | 54.6586% | 3,671 |
| Assets per employee ($millions) | 7.6582% | 1,747 |
| Cash dividends to net income (ytd only)* | 64.9773% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8088% | 3,854 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 47.9200% | 3,728 |
| Net loans and leases to deposits | 55.3931% | 3,742 |
| Net loans and leases to core deposits | 56.8953% | 3,858 |
| Total domestic deposits to total assets | 86.5100% | 2,032 |
| Equity capital to assets | 13.3352% | 814 |
| Core capital (leverage) ratio | 13.6215% | 881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $97,509,800 | 3,799 |
| Average earning assets | $94,065,600 | 3,745 |
| Average equity | $12,828,600 | 3,536 |
| Average total loans | $44,928,000 | 3,892 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 4,064 |
| Cost of funding earning assets | 0.9586% | 4,086 |
| Net interest margin | 3.3387% | 2,369 |
| Noninterest income to average assets | 0.2300% | 3,510 |
| Noninterest expense to average assets | 1.9615% | 3,650 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.4216% | 1,064 |
| Return on assets (ROA) | 1.4323% | 1,041 |
| Pretax return on assets | 1.4708% | 1,358 |
| Return on Equity (ROE) | 10.9200% | 1,918 |
| Retained earnings to average equity (ytd only) | 2.5373% | 3,309 |
| Net charge-offs to loans | 0.0151% | 2,104 |
| Credit loss provision to net charge-offs | 500.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 217.4000% | 488 |
| Efficiency ratio | 56.7621% | 3,482 |
| Assets per employee ($millions) | 7.6102% | 1,741 |
| Cash dividends to net income (ytd only)* | 76.7754% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8476% | 3,810 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 45.8800% | 3,830 |
| Net loans and leases to deposits | 52.9325% | 3,851 |
| Net loans and leases to core deposits | 54.1643% | 3,954 |
| Total domestic deposits to total assets | 86.6700% | 1,700 |
| Equity capital to assets | 13.1705% | 929 |
| Core capital (leverage) ratio | 13.4534% | 956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $96,998,250 | 3,818 |
| Average earning assets | $93,607,250 | 3,767 |
| Average equity | $12,716,750 | 3,549 |
| Average total loans | $44,135,500 | 3,916 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1728% | 4,157 |
| Cost of funding earning assets | 0.9249% | 4,094 |
| Net interest margin | 3.2479% | 2,536 |
| Noninterest income to average assets | 0.2300% | 3,492 |
| Noninterest expense to average assets | 1.9221% | 3,712 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 1.3789% | 1,115 |
| Return on assets (ROA) | 1.3949% | 1,097 |
| Pretax return on assets | 1.4468% | 1,381 |
| Return on Equity (ROE) | 10.6600% | 1,990 |
| Retained earnings to average equity (ytd only) | 1.1417% | 3,572 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 57.1252% | 3,477 |
| Assets per employee ($millions) | 7.3930% | 1,808 |
| Cash dividends to net income (ytd only)* | 89.2857% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8297% | 3,869 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 46.3900% | 3,815 |
| Net loans and leases to deposits | 53.5704% | 3,825 |
| Net loans and leases to core deposits | 54.6513% | 3,943 |
| Total domestic deposits to total assets | 86.5900% | 1,792 |
| Equity capital to assets | 13.2391% | 815 |
| Core capital (leverage) ratio | 13.8724% | 838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $96,353,333 | 3,837 |
| Average earning assets | $92,983,667 | 3,786 |
| Average equity | $12,612,333 | 3,541 |
| Average total loans | $43,589,000 | 3,941 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0908% | 4,186 |
| Cost of funding earning assets | 0.9272% | 4,069 |
| Net interest margin | 3.1636% | 2,637 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 1.8948% | 3,786 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 1.3322% | 1,182 |
| Return on assets (ROA) | 1.3641% | 1,131 |
| Pretax return on assets | 1.4180% | 1,408 |
| Return on Equity (ROE) | 10.4800% | 1,989 |
| Retained earnings to average equity (ytd only) | -2.2618% | 3,950 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 57.3400% | 3,489 |
| Assets per employee ($millions) | 7.3101% | 1,878 |
| Cash dividends to net income (ytd only)* | 121.5805% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8681% | 3,793 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 44.8200% | 3,861 |
| Net loans and leases to deposits | 51.9085% | 3,857 |
| Net loans and leases to core deposits | 52.9764% | 4,007 |
| Total domestic deposits to total assets | 86.3400% | 1,983 |
| Equity capital to assets | 13.1989% | 817 |
| Core capital (leverage) ratio | 13.3039% | 957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $96,475,500 | 3,852 |
| Average earning assets | $93,184,000 | 3,807 |
| Average equity | $12,556,500 | 3,552 |
| Average total loans | $42,905,000 | 3,968 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6888% | 4,281 |
| Cost of funding earning assets | 0.7215% | 3,892 |
| Net interest margin | 2.9673% | 3,364 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.8065% | 3,997 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.2240% | 1,595 |
| Return on assets (ROA) | 1.2441% | 1,525 |
| Pretax return on assets | 1.2913% | 1,891 |
| Return on Equity (ROE) | 9.7900% | 2,556 |
| Retained earnings to average equity (ytd only) | 4.8443% | 2,651 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.5341% | 3,243 |
| Assets per employee ($millions) | 7.5323% | 1,706 |
| Cash dividends to net income (ytd only)* | 50.5051% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8589% | 3,829 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 43.3800% | 3,923 |
| Net loans and leases to deposits | 49.8609% | 3,955 |
| Net loans and leases to core deposits | 50.6716% | 4,071 |
| Total domestic deposits to total assets | 87.0000% | 1,682 |
| Equity capital to assets | 12.8176% | 896 |
| Core capital (leverage) ratio | 13.4380% | 925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $95,487,200 | 3,867 |
| Average earning assets | $92,305,400 | 3,817 |
| Average equity | $12,138,000 | 3,513 |
| Average total loans | $40,208,800 | 3,993 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6059% | 4,300 |
| Cost of funding earning assets | 0.6567% | 3,853 |
| Net interest margin | 2.9492% | 3,432 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 1.7931% | 3,992 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2198% | 1,735 |
| Return on assets (ROA) | 1.2479% | 1,648 |
| Pretax return on assets | 1.3111% | 2,004 |
| Return on Equity (ROE) | 9.8400% | 2,687 |
| Retained earnings to average equity (ytd only) | 6.5143% | 2,458 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.3181% | 3,166 |
| Assets per employee ($millions) | 7.2825% | 1,763 |
| Cash dividends to net income (ytd only)* | 33.7838% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 3,761 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 42.2200% | 3,985 |
| Net loans and leases to deposits | 48.7136% | 3,981 |
| Net loans and leases to core deposits | 49.4942% | 4,055 |
| Total domestic deposits to total assets | 86.6700% | 1,991 |
| Equity capital to assets | 13.1526% | 783 |
| Core capital (leverage) ratio | 13.2451% | 1,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $94,879,000 | 3,889 |
| Average earning assets | $91,774,250 | 3,838 |
| Average equity | $12,034,750 | 3,521 |
| Average total loans | $39,549,750 | 4,015 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4891% | 4,357 |
| Cost of funding earning assets | 0.5819% | 3,798 |
| Net interest margin | 2.9072% | 3,634 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.7989% | 4,001 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1364% | 2,017 |
| Return on assets (ROA) | 1.1775% | 1,882 |
| Pretax return on assets | 1.2723% | 2,152 |
| Return on Equity (ROE) | 9.4000% | 2,864 |
| Retained earnings to average equity (ytd only) | 6.0358% | 2,606 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.4294% | 3,029 |
| Assets per employee ($millions) | 7.3519% | 1,701 |
| Cash dividends to net income (ytd only)* | 35.7782% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 3,695 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 40.1600% | 4,032 |
| Net loans and leases to deposits | 46.1164% | 4,043 |
| Net loans and leases to core deposits | 46.7546% | 4,109 |
| Total domestic deposits to total assets | 87.0800% | 1,908 |
| Equity capital to assets | 12.7512% | 873 |
| Core capital (leverage) ratio | 13.4405% | 893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $94,947,667 | 3,895 |
| Average earning assets | $91,771,667 | 3,847 |
| Average equity | $11,895,667 | 3,547 |
| Average total loans | $39,289,667 | 4,031 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3686% | 4,397 |
| Cost of funding earning assets | 0.5024% | 3,678 |
| Net interest margin | 2.8661% | 3,838 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 1.8091% | 4,013 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1103% | 2,191 |
| Return on assets (ROA) | 1.1920% | 1,912 |
| Pretax return on assets | 1.2892% | 2,209 |
| Return on Equity (ROE) | 9.6000% | 2,895 |
| Retained earnings to average equity (ytd only) | 6.1957% | 2,716 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.1124% | 2,947 |
| Assets per employee ($millions) | 7.1978% | 1,823 |
| Cash dividends to net income (ytd only)* | 35.4610% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9242% | 3,789 |
| Loan loss allowance to noncurrent loans | 520.2899% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 3,059 |
| Noncurrent loans to loans | 0.1776% | 2,591 |
| Net loans and leases to total assets | 41.1300% | 3,991 |
| Net loans and leases to deposits | 47.2163% | 3,988 |
| Net loans and leases to core deposits | 47.7725% | 4,058 |
| Total domestic deposits to total assets | 87.1100% | 2,222 |
| Equity capital to assets | 12.7057% | 825 |
| Core capital (leverage) ratio | 12.7869% | 1,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $94,634,000 | 3,952 |
| Average earning assets | $91,551,500 | 3,901 |
| Average equity | $11,750,000 | 3,591 |
| Average total loans | $39,565,500 | 4,073 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8078% | 4,316 |
| Cost of funding earning assets | 0.1733% | 3,976 |
| Net interest margin | 2.6345% | 4,134 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 1.7664% | 4,070 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9986% | 2,569 |
| Return on assets (ROA) | 1.0162% | 2,453 |
| Pretax return on assets | 1.0277% | 2,992 |
| Return on Equity (ROE) | 8.4400% | 3,265 |
| Retained earnings to average equity (ytd only) | 4.1081% | 3,364 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.6227% | 2,553 |
| Assets per employee ($millions) | 7.3612% | 1,713 |
| Cash dividends to net income (ytd only)* | 51.3347% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 3,806 |
| Loan loss allowance to noncurrent loans | 520.2899% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 3,068 |
| Noncurrent loans to loans | 0.1713% | 2,627 |
| Net loans and leases to total assets | 41.7200% | 3,997 |
| Net loans and leases to deposits | 47.5678% | 3,991 |
| Net loans and leases to core deposits | 47.9391% | 4,062 |
| Total domestic deposits to total assets | 87.7100% | 2,175 |
| Equity capital to assets | 12.1332% | 893 |
| Core capital (leverage) ratio | 12.6427% | 1,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $95,846,800 | 3,963 |
| Average earning assets | $92,351,400 | 3,914 |
| Average equity | $11,538,200 | 3,711 |
| Average total loans | $38,100,800 | 4,101 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7041% | 4,293 |
| Cost of funding earning assets | 0.1243% | 4,089 |
| Net interest margin | 2.5798% | 4,129 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.7646% | 4,044 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9500% | 2,673 |
| Return on assets (ROA) | 0.9734% | 2,545 |
| Pretax return on assets | 0.9831% | 3,066 |
| Return on Equity (ROE) | 8.1000% | 3,296 |
| Retained earnings to average equity (ytd only) | 4.6295% | 3,228 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.7779% | 2,441 |
| Assets per employee ($millions) | 7.9123% | 1,372 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 3,827 |
| Loan loss allowance to noncurrent loans | 520.2899% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 3,166 |
| Noncurrent loans to loans | 0.1748% | 2,716 |
| Net loans and leases to total assets | 41.1900% | 4,020 |
| Net loans and leases to deposits | 46.9519% | 3,993 |
| Net loans and leases to core deposits | 47.4176% | 4,047 |
| Total domestic deposits to total assets | 87.7300% | 2,510 |
| Equity capital to assets | 12.1319% | 856 |
| Core capital (leverage) ratio | 12.6848% | 997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $95,884,500 | 3,987 |
| Average earning assets | $92,252,500 | 3,935 |
| Average equity | $11,520,000 | 3,761 |
| Average total loans | $37,554,500 | 4,134 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5928% | 4,280 |
| Cost of funding earning assets | 0.1060% | 4,130 |
| Net interest margin | 2.4868% | 4,103 |
| Noninterest income to average assets | 0.2495% | 3,678 |
| Noninterest expense to average assets | 1.7859% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8445% | 2,802 |
| Return on assets (ROA) | 0.8794% | 2,644 |
| Pretax return on assets | 0.8898% | 3,102 |
| Return on Equity (ROE) | 7.3435% | 3,204 |
| Retained earnings to average equity (ytd only) | 3.8714% | 3,131 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6378% | 2,290 |
| Assets per employee ($millions) | 7.5932% | 1,557 |
| Cash dividends to net income (ytd only)* | 47.2813% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 3,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 38.1828% | 4,159 |
| Net loans and leases to deposits | 43.2688% | 4,144 |
| Net loans and leases to core deposits | 43.9345% | 4,189 |
| Total domestic deposits to total assets | 88.2456% | 2,482 |
| Equity capital to assets | 11.6268% | 988 |
| Core capital (leverage) ratio | 12.5317% | 963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,196,667 | 4,026 |
| Average earning assets | $92,488,333 | 3,987 |
| Average equity | $11,520,333 | 3,831 |
| Average total loans | $36,916,333 | 4,197 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5745% | 4,168 |
| Cost of funding earning assets | 0.1146% | 3,954 |
| Net interest margin | 2.4599% | 3,977 |
| Noninterest income to average assets | 0.2865% | 3,412 |
| Noninterest expense to average assets | 1.8117% | 3,911 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8139% | 2,622 |
| Return on assets (ROA) | 0.8848% | 2,336 |
| Pretax return on assets | 0.8974% | 2,784 |
| Return on Equity (ROE) | 7.2778% | 2,947 |
| Retained earnings to average equity (ytd only) | 3.8122% | 3,006 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6901% | 2,419 |
| Assets per employee ($millions) | 7.8338% | 1,473 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9907% | 3,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 38.1650% | 4,109 |
| Net loans and leases to deposits | 43.5374% | 4,089 |
| Net loans and leases to core deposits | 44.3293% | 4,145 |
| Total domestic deposits to total assets | 87.6602% | 2,683 |
| Equity capital to assets | 12.2111% | 883 |
| Core capital (leverage) ratio | 12.4756% | 917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,939,000 | 4,052 |
| Average earning assets | $90,735,000 | 4,017 |
| Average equity | $11,542,000 | 3,902 |
| Average total loans | $36,349,500 | 4,222 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2837% | 3,260 |
| Cost of funding earning assets | 0.1580% | 3,892 |
| Net interest margin | 3.1257% | 2,820 |
| Noninterest income to average assets | 0.2767% | 3,734 |
| Noninterest expense to average assets | 1.8512% | 4,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3613% | 1,406 |
| Return on assets (ROA) | 1.3264% | 1,572 |
| Pretax return on assets | 1.3341% | 2,256 |
| Return on Equity (ROE) | 10.5150% | 2,341 |
| Retained earnings to average equity (ytd only) | 5.2706% | 2,685 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4803% | 3,525 |
| Assets per employee ($millions) | 7.9894% | 1,342 |
| Cash dividends to net income (ytd only)* | 49.8753% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 3,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 37.6582% | 4,212 |
| Net loans and leases to deposits | 42.9105% | 4,230 |
| Net loans and leases to core deposits | 43.6650% | 4,279 |
| Total domestic deposits to total assets | 87.7598% | 2,168 |
| Equity capital to assets | 12.1046% | 1,211 |
| Core capital (leverage) ratio | 12.7029% | 873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,698,000 | 4,092 |
| Average earning assets | $85,422,000 | 4,066 |
| Average equity | $11,440,800 | 3,986 |
| Average total loans | $39,168,200 | 4,212 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4552% | 2,947 |
| Cost of funding earning assets | 0.1678% | 3,944 |
| Net interest margin | 3.2874% | 2,454 |
| Noninterest income to average assets | 0.2938% | 3,688 |
| Noninterest expense to average assets | 1.8507% | 4,055 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5331% | 1,186 |
| Return on assets (ROA) | 1.5331% | 1,232 |
| Pretax return on assets | 1.5405% | 1,876 |
| Return on Equity (ROE) | 12.0234% | 2,038 |
| Retained earnings to average equity (ytd only) | 6.7602% | 2,512 |
| Net charge-offs to loans | 0.0201% | 1,648 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 172.1667% | 612 |
| Efficiency ratio | 54.5734% | 3,721 |
| Assets per employee ($millions) | 7.5561% | 1,536 |
| Cash dividends to net income (ytd only)* | 43.7743% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 4,158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 42.8077% | 4,038 |
| Net loans and leases to deposits | 49.2045% | 4,053 |
| Net loans and leases to core deposits | 50.0522% | 4,135 |
| Total domestic deposits to total assets | 86.9994% | 2,352 |
| Equity capital to assets | 12.8197% | 1,047 |
| Core capital (leverage) ratio | 12.7551% | 909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,404,250 | 4,158 |
| Average earning assets | $84,238,500 | 4,131 |
| Average equity | $11,399,750 | 4,044 |
| Average total loans | $39,844,500 | 4,244 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4792% | 2,941 |
| Cost of funding earning assets | 0.1767% | 3,979 |
| Net interest margin | 3.3025% | 2,425 |
| Noninterest income to average assets | 0.3124% | 3,559 |
| Noninterest expense to average assets | 1.8139% | 4,158 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6003% | 1,047 |
| Return on assets (ROA) | 1.6003% | 1,104 |
| Pretax return on assets | 1.6071% | 1,717 |
| Return on Equity (ROE) | 12.5740% | 1,864 |
| Retained earnings to average equity (ytd only) | 7.2759% | 2,329 |
| Net charge-offs to loans | 0.0349% | 1,298 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 102.1429% | 740 |
| Efficiency ratio | 53.0223% | 3,931 |
| Assets per employee ($millions) | 6.9955% | 1,812 |
| Cash dividends to net income (ytd only)* | 42.1348% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8581% | 4,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 44.5911% | 4,004 |
| Net loans and leases to deposits | 51.2150% | 4,033 |
| Net loans and leases to core deposits | 52.2012% | 4,124 |
| Total domestic deposits to total assets | 87.0665% | 2,280 |
| Equity capital to assets | 12.6388% | 1,067 |
| Core capital (leverage) ratio | 12.9853% | 805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,981,333 | 4,184 |
| Average earning assets | $83,755,000 | 4,158 |
| Average equity | $11,325,000 | 4,062 |
| Average total loans | $40,070,333 | 4,274 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6046% | 2,625 |
| Cost of funding earning assets | 0.1933% | 3,973 |
| Net interest margin | 3.4113% | 2,078 |
| Noninterest income to average assets | 0.3636% | 3,271 |
| Noninterest expense to average assets | 1.8091% | 4,199 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7545% | 852 |
| Return on assets (ROA) | 1.7545% | 907 |
| Pretax return on assets | 1.7636% | 1,369 |
| Return on Equity (ROE) | 13.7360% | 1,483 |
| Retained earnings to average equity (ytd only) | 8.3982% | 2,125 |
| Net charge-offs to loans | 0.0706% | 850 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 55.4286% | 859 |
| Efficiency ratio | 50.6361% | 4,134 |
| Assets per employee ($millions) | 7.4022% | 1,517 |
| Cash dividends to net income (ytd only)* | 38.8601% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 4,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 44.6919% | 4,066 |
| Net loans and leases to deposits | 51.3060% | 4,083 |
| Net loans and leases to core deposits | 52.3044% | 4,178 |
| Total domestic deposits to total assets | 87.1085% | 2,275 |
| Equity capital to assets | 12.7463% | 980 |
| Core capital (leverage) ratio | 12.9418% | 853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,001,000 | 4,214 |
| Average earning assets | $82,783,000 | 4,182 |
| Average equity | $11,240,500 | 4,084 |
| Average total loans | $39,654,000 | 4,313 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8285% | 3,217 |
| Cost of funding earning assets | 0.2741% | 4,280 |
| Net interest margin | 3.5544% | 2,297 |
| Noninterest income to average assets | 0.2993% | 3,683 |
| Noninterest expense to average assets | 2.0767% | 3,981 |
| Loan and lease loss provision to assets | 0.0323% | 3,992 |
| Net operating income to assets | 1.5960% | 645 |
| Return on assets (ROA) | 1.5960% | 700 |
| Pretax return on assets | 1.6047% | 1,068 |
| Return on Equity (ROE) | 11.8558% | 1,363 |
| Retained earnings to average equity (ytd only) | 6.3200% | 1,658 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9197% | 3,993 |
| Assets per employee ($millions) | 7.2647% | 1,412 |
| Cash dividends to net income (ytd only)* | 46.6926% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 4,155 |
| Loan loss allowance to noncurrent loans | 3,580.0000% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 4,368 |
| Noncurrent loans to loans | 0.0255% | 4,221 |
| Net loans and leases to total assets | 44.6235% | 4,217 |
| Net loans and leases to deposits | 51.2780% | 4,256 |
| Net loans and leases to core deposits | 52.3933% | 4,324 |
| Total domestic deposits to total assets | 87.0228% | 1,936 |
| Equity capital to assets | 12.8005% | 1,183 |
| Core capital (leverage) ratio | 13.1804% | 852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,514,200 | 4,236 |
| Average earning assets | $77,341,600 | 4,196 |
| Average equity | $10,838,600 | 4,100 |
| Average total loans | $40,714,000 | 4,296 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9951% | 2,988 |
| Cost of funding earning assets | 0.2972% | 4,325 |
| Net interest margin | 3.6979% | 1,953 |
| Noninterest income to average assets | 0.3094% | 3,640 |
| Noninterest expense to average assets | 2.0664% | 4,014 |
| Loan and lease loss provision to assets | 0.0444% | 3,802 |
| Net operating income to assets | 1.7569% | 502 |
| Return on assets (ROA) | 1.7569% | 561 |
| Pretax return on assets | 1.7755% | 823 |
| Return on Equity (ROE) | 12.8763% | 1,149 |
| Retained earnings to average equity (ytd only) | 7.2995% | 1,590 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1767% | 4,233 |
| Assets per employee ($millions) | 6.4306% | 1,888 |
| Cash dividends to net income (ytd only)* | 43.3109% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8265% | 4,294 |
| Loan loss allowance to noncurrent loans | 8,950.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 4,501 |
| Noncurrent loans to loans | 0.0092% | 4,410 |
| Net loans and leases to total assets | 51.3840% | 4,008 |
| Net loans and leases to deposits | 59.3750% | 4,100 |
| Net loans and leases to core deposits | 60.2257% | 4,190 |
| Total domestic deposits to total assets | 86.5415% | 1,843 |
| Equity capital to assets | 13.2575% | 1,079 |
| Core capital (leverage) ratio | 12.9724% | 955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,848,750 | 4,265 |
| Average earning assets | $76,258,250 | 4,217 |
| Average equity | $10,758,500 | 4,116 |
| Average total loans | $41,077,750 | 4,319 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8495% | 3,745 |
| Cost of funding earning assets | 0.3297% | 4,364 |
| Net interest margin | 3.5197% | 2,724 |
| Noninterest income to average assets | 0.3132% | 3,583 |
| Noninterest expense to average assets | 2.0708% | 4,100 |
| Loan and lease loss provision to assets | 0.0673% | 3,450 |
| Net operating income to assets | 1.5531% | 842 |
| Return on assets (ROA) | 1.5531% | 914 |
| Pretax return on assets | 1.5738% | 1,283 |
| Return on Equity (ROE) | 11.2673% | 1,553 |
| Retained earnings to average equity (ytd only) | 5.6336% | 2,221 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7880% | 3,967 |
| Assets per employee ($millions) | 6.3325% | 1,924 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8381% | 4,232 |
| Loan loss allowance to noncurrent loans | 8,950.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 4,572 |
| Noncurrent loans to loans | 0.0094% | 4,478 |
| Net loans and leases to total assets | 51.4565% | 4,064 |
| Net loans and leases to deposits | 59.3801% | 4,145 |
| Net loans and leases to core deposits | 60.2149% | 4,248 |
| Total domestic deposits to total assets | 86.6561% | 1,752 |
| Equity capital to assets | 13.1326% | 1,108 |
| Core capital (leverage) ratio | 13.5417% | 864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4113% | 254 |
| Memoranda: | ||
| Average total assets | $77,265,667 | 4,293 |
| Average earning assets | $74,607,667 | 4,240 |
| Average equity | $10,650,333 | 4,147 |
| Average total loans | $40,332,333 | 4,347 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 3,704 |
| Cost of funding earning assets | 0.3831% | 4,417 |
| Net interest margin | 3.6477% | 2,519 |
| Noninterest income to average assets | 0.3800% | 3,230 |
| Noninterest expense to average assets | 2.2372% | 3,918 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6377% | 577 |
| Return on assets (ROA) | 1.6377% | 637 |
| Pretax return on assets | 1.6591% | 927 |
| Return on Equity (ROE) | 11.5799% | 1,233 |
| Retained earnings to average equity (ytd only) | 5.9035% | 1,913 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4176% | 4,070 |
| Assets per employee ($millions) | 5.7978% | 1,842 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8339% | 4,322 |
| Loan loss allowance to noncurrent loans | 6,640.0000% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 4,613 |
| Noncurrent loans to loans | 0.0126% | 4,518 |
| Net loans and leases to total assets | 52.3802% | 4,095 |
| Net loans and leases to deposits | 61.1941% | 4,149 |
| Net loans and leases to core deposits | 62.1448% | 4,267 |
| Total domestic deposits to total assets | 85.5968% | 2,171 |
| Equity capital to assets | 14.1764% | 1,006 |
| Core capital (leverage) ratio | 14.1324% | 878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2306% | 278 |
| Memoranda: | ||
| Average total assets | $74,737,500 | 4,329 |
| Average earning assets | $72,045,000 | 4,282 |
| Average equity | $10,570,000 | 4,174 |
| Average total loans | $39,139,500 | 4,393 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0847% | 4,071 |
| Cost of funding earning assets | 0.3840% | 4,495 |
| Net interest margin | 3.7007% | 2,815 |
| Noninterest income to average assets | 0.3284% | 3,733 |
| Noninterest expense to average assets | 2.3163% | 3,906 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5624% | 914 |
| Return on assets (ROA) | 1.6500% | 788 |
| Pretax return on assets | 1.6718% | 1,269 |
| Return on Equity (ROE) | 11.9532% | 1,534 |
| Retained earnings to average equity (ytd only) | 6.0309% | 1,847 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3990% | 3,775 |
| Assets per employee ($millions) | 5.7002% | 1,877 |
| Cash dividends to net income (ytd only)* | 49.5458% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8631% | 4,112 |
| Loan loss allowance to noncurrent loans | 6,640.0000% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 4,644 |
| Noncurrent loans to loans | 0.0130% | 4,532 |
| Net loans and leases to total assets | 51.4622% | 4,259 |
| Net loans and leases to deposits | 60.0778% | 4,286 |
| Net loans and leases to core deposits | 60.6888% | 4,411 |
| Total domestic deposits to total assets | 85.6592% | 2,213 |
| Equity capital to assets | 14.1087% | 1,054 |
| Core capital (leverage) ratio | 14.2949% | 849 |
| Tier 1 risk-based capital ratio | 29.7094% | 486 |
| Total risk-based capital ratio | 30.6570% | 488 |
| Memoranda: | ||
| Average total assets | $73,392,000 | 4,378 |
| Average earning assets | $70,824,800 | 4,331 |
| Average equity | $10,131,200 | 4,221 |
| Average total loans | $36,942,400 | 4,478 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0896% | 4,177 |
| Cost of funding earning assets | 0.3884% | 4,538 |
| Net interest margin | 3.7012% | 2,914 |
| Noninterest income to average assets | 0.3041% | 3,918 |
| Noninterest expense to average assets | 2.3146% | 3,914 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5421% | 1,082 |
| Return on assets (ROA) | 1.6882% | 807 |
| Pretax return on assets | 1.7118% | 1,309 |
| Return on Equity (ROE) | 12.2979% | 1,513 |
| Retained earnings to average equity (ytd only) | 6.9914% | 1,867 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6714% | 3,700 |
| Assets per employee ($millions) | 5.5665% | 1,968 |
| Cash dividends to net income (ytd only)* | 43.1499% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 4,081 |
| Loan loss allowance to noncurrent loans | 97.9351% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 2,654 |
| Noncurrent loans to loans | 0.9097% | 1,755 |
| Net loans and leases to total assets | 51.0392% | 4,369 |
| Net loans and leases to deposits | 59.6903% | 4,396 |
| Net loans and leases to core deposits | 60.2719% | 4,526 |
| Total domestic deposits to total assets | 85.5066% | 2,203 |
| Equity capital to assets | 14.2585% | 1,055 |
| Core capital (leverage) ratio | 14.0824% | 965 |
| Tier 1 risk-based capital ratio | 29.9722% | 483 |
| Total risk-based capital ratio | 30.9428% | 485 |
| Memoranda: | ||
| Average total assets | $73,214,250 | 4,438 |
| Average earning assets | $70,713,750 | 4,388 |
| Average equity | $10,050,250 | 4,279 |
| Average total loans | $36,561,250 | 4,546 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0196% | 4,336 |
| Cost of funding earning assets | 0.3721% | 4,612 |
| Net interest margin | 3.6475% | 3,109 |
| Noninterest income to average assets | 0.3184% | 3,799 |
| Noninterest expense to average assets | 2.2586% | 4,106 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5620% | 983 |
| Return on assets (ROA) | 1.5620% | 1,028 |
| Pretax return on assets | 1.5810% | 1,605 |
| Return on Equity (ROE) | 11.5249% | 1,769 |
| Retained earnings to average equity (ytd only) | 6.5054% | 2,049 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8235% | 3,890 |
| Assets per employee ($millions) | 5.7053% | 1,786 |
| Cash dividends to net income (ytd only)* | 43.5540% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9227% | 3,995 |
| Loan loss allowance to noncurrent loans | 86.9110% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.5150% | 2,494 |
| Noncurrent loans to loans | 1.0617% | 1,546 |
| Net loans and leases to total assets | 48.0646% | 4,568 |
| Net loans and leases to deposits | 55.8429% | 4,598 |
| Net loans and leases to core deposits | 56.3229% | 4,707 |
| Total domestic deposits to total assets | 86.0710% | 1,996 |
| Equity capital to assets | 13.7052% | 1,238 |
| Core capital (leverage) ratio | 13.8961% | 1,000 |
| Tier 1 risk-based capital ratio | 30.1696% | 477 |
| Total risk-based capital ratio | 31.1665% | 479 |
| Memoranda: | ||
| Average total assets | $73,497,670 | 4,468 |
| Average earning assets | $70,953,000 | 4,424 |
| Average equity | $9,961,000 | 4,303 |
| Average total loans | $36,326,330 | 4,584 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0150% | 4,339 |
| Cost of funding earning assets | 0.3450% | 4,697 |
| Net interest margin | 3.6701% | 3,006 |
| Noninterest income to average assets | 0.3554% | 3,479 |
| Noninterest expense to average assets | 2.3236% | 3,964 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5582% | 988 |
| Return on assets (ROA) | 1.5582% | 1,016 |
| Pretax return on assets | 1.5801% | 1,521 |
| Return on Equity (ROE) | 11.5630% | 1,707 |
| Retained earnings to average equity (ytd only) | 7.5058% | 1,844 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5238% | 3,878 |
| Assets per employee ($millions) | 5.6312% | 1,857 |
| Cash dividends to net income (ytd only)* | 35.0877% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 4,021 |
| Loan loss allowance to noncurrent loans | 83.8384% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 2,475 |
| Noncurrent loans to loans | 1.1163% | 1,497 |
| Net loans and leases to total assets | 48.0036% | 4,585 |
| Net loans and leases to deposits | 55.7192% | 4,609 |
| Net loans and leases to core deposits | 56.2013% | 4,708 |
| Total domestic deposits to total assets | 86.1526% | 2,206 |
| Equity capital to assets | 13.6316% | 1,161 |
| Core capital (leverage) ratio | 13.5282% | 1,086 |
| Tier 1 risk-based capital ratio | 29.7023% | 487 |
| Total risk-based capital ratio | 30.6975% | 487 |
| Memoranda: | ||
| Average total assets | $73,162,000 | 4,520 |
| Average earning assets | $70,734,500 | 4,473 |
| Average equity | $9,859,000 | 4,349 |
| Average total loans | $36,499,000 | 4,628 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9570% | 4,149 |
| Cost of funding earning assets | 0.2488% | 4,813 |
| Net interest margin | 3.7082% | 3,004 |
| Noninterest income to average assets | 0.3699% | 3,618 |
| Noninterest expense to average assets | 2.3808% | 3,935 |
| Loan and lease loss provision to assets | -0.0086% | 5,104 |
| Net operating income to assets | 1.5364% | 1,029 |
| Return on assets (ROA) | 1.4481% | 1,269 |
| Pretax return on assets | 1.4697% | 1,872 |
| Return on Equity (ROE) | 10.6354% | 2,229 |
| Retained earnings to average equity (ytd only) | 5.3494% | 2,559 |
| Net charge-offs to loans | -0.0028% | 4,276 |
| Credit loss provision to net charge-offs | 600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5639% | 3,769 |
| Assets per employee ($millions) | 5.6245% | 1,838 |
| Cash dividends to net income (ytd only)* | 49.7018% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 4,230 |
| Loan loss allowance to noncurrent loans | 1,144.8276% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 4,649 |
| Noncurrent loans to loans | 0.0773% | 4,408 |
| Net loans and leases to total assets | 50.8664% | 4,465 |
| Net loans and leases to deposits | 58.8469% | 4,537 |
| Net loans and leases to core deposits | 59.3701% | 4,658 |
| Total domestic deposits to total assets | 86.4385% | 2,041 |
| Equity capital to assets | 13.3194% | 1,215 |
| Core capital (leverage) ratio | 13.8532% | 966 |
| Tier 1 risk-based capital ratio | 27.3346% | 597 |
| Total risk-based capital ratio | 28.2678% | 603 |
| Memoranda: | ||
| Average total assets | $69,471,200 | 4,590 |
| Average earning assets | $66,717,800 | 4,543 |
| Average equity | $9,459,000 | 4,387 |
| Average total loans | $35,885,000 | 4,666 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9305% | 4,137 |
| Cost of funding earning assets | 0.2372% | 4,857 |
| Net interest margin | 3.6934% | 3,049 |
| Noninterest income to average assets | 0.3462% | 3,829 |
| Noninterest expense to average assets | 2.4056% | 3,843 |
| Loan and lease loss provision to assets | -0.0117% | 5,222 |
| Net operating income to assets | 1.4858% | 1,235 |
| Return on assets (ROA) | 1.4858% | 1,233 |
| Pretax return on assets | 1.4955% | 1,911 |
| Return on Equity (ROE) | 10.8493% | 2,237 |
| Retained earnings to average equity (ytd only) | 6.5891% | 2,344 |
| Net charge-offs to loans | -0.0037% | 4,173 |
| Credit loss provision to net charge-offs | 600.0000% | 592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8500% | 3,535 |
| Assets per employee ($millions) | 5.4161% | 2,002 |
| Cash dividends to net income (ytd only)* | 39.2671% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 4,254 |
| Loan loss allowance to noncurrent loans | 1,952.9412% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 4,571 |
| Noncurrent loans to loans | 0.0462% | 4,690 |
| Net loans and leases to total assets | 51.7888% | 4,494 |
| Net loans and leases to deposits | 60.0854% | 4,542 |
| Net loans and leases to core deposits | 61.0542% | 4,660 |
| Total domestic deposits to total assets | 86.1921% | 2,101 |
| Equity capital to assets | 13.5807% | 1,109 |
| Core capital (leverage) ratio | 13.7875% | 1,000 |
| Tier 1 risk-based capital ratio | 27.9770% | 573 |
| Total risk-based capital ratio | 28.9363% | 578 |
| Memoranda: | ||
| Average total assets | $68,559,250 | 4,651 |
| Average earning assets | $65,774,000 | 4,610 |
| Average equity | $9,389,000 | 4,439 |
| Average total loans | $35,475,000 | 4,723 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8552% | 4,202 |
| Cost of funding earning assets | 0.2242% | 4,892 |
| Net interest margin | 3.6309% | 3,195 |
| Noninterest income to average assets | 0.3415% | 3,897 |
| Noninterest expense to average assets | 2.3873% | 3,933 |
| Loan and lease loss provision to assets | -0.0177% | 5,321 |
| Net operating income to assets | 1.4424% | 1,302 |
| Return on assets (ROA) | 1.4424% | 1,306 |
| Pretax return on assets | 1.4512% | 1,982 |
| Return on Equity (ROE) | 10.5023% | 2,330 |
| Retained earnings to average equity (ytd only) | 6.2156% | 2,455 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4807% | 3,562 |
| Assets per employee ($millions) | 5.3553% | 2,037 |
| Cash dividends to net income (ytd only)* | 40.8163% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 4,189 |
| Loan loss allowance to noncurrent loans | 3,320.0000% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 4,664 |
| Noncurrent loans to loans | 0.0281% | 4,798 |
| Net loans and leases to total assets | 50.6284% | 4,574 |
| Net loans and leases to deposits | 58.7274% | 4,602 |
| Net loans and leases to core deposits | 59.6527% | 4,719 |
| Total domestic deposits to total assets | 86.2092% | 2,185 |
| Equity capital to assets | 13.5653% | 1,079 |
| Core capital (leverage) ratio | 14.0947% | 884 |
| Tier 1 risk-based capital ratio | 27.9528% | 559 |
| Total risk-based capital ratio | 28.9288% | 568 |
| Memoranda: | ||
| Average total assets | $67,942,670 | 4,714 |
| Average earning assets | $65,107,000 | 4,677 |
| Average equity | $9,331,330 | 4,489 |
| Average total loans | $35,034,670 | 4,782 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8186% | 4,163 |
| Cost of funding earning assets | 0.2180% | 4,906 |
| Net interest margin | 3.6006% | 3,179 |
| Noninterest income to average assets | 0.3755% | 3,626 |
| Noninterest expense to average assets | 2.3128% | 4,164 |
| Loan and lease loss provision to assets | -0.0358% | 5,449 |
| Net operating income to assets | 1.5319% | 1,002 |
| Return on assets (ROA) | 1.5319% | 1,007 |
| Pretax return on assets | 1.5439% | 1,552 |
| Return on Equity (ROE) | 11.0836% | 1,937 |
| Retained earnings to average equity (ytd only) | 6.7709% | 2,379 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5304% | 3,998 |
| Assets per employee ($millions) | 5.1712% | 2,279 |
| Cash dividends to net income (ytd only)* | 38.9105% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 4,185 |
| Loan loss allowance to noncurrent loans | 2,206.6667% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 4,684 |
| Noncurrent loans to loans | 0.0434% | 4,781 |
| Net loans and leases to total assets | 50.9141% | 4,504 |
| Net loans and leases to deposits | 59.2737% | 4,519 |
| Net loans and leases to core deposits | 60.1117% | 4,647 |
| Total domestic deposits to total assets | 85.8966% | 2,591 |
| Equity capital to assets | 13.8817% | 925 |
| Core capital (leverage) ratio | 14.0762% | 861 |
| Tier 1 risk-based capital ratio | 28.3109% | 543 |
| Total risk-based capital ratio | 29.3103% | 552 |
| Memoranda: | ||
| Average total assets | $67,104,500 | 4,795 |
| Average earning assets | $64,211,500 | 4,745 |
| Average equity | $9,275,000 | 4,545 |
| Average total loans | $34,762,500 | 4,835 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8925% | 3,748 |
| Cost of funding earning assets | 0.1587% | 5,214 |
| Net interest margin | 3.7338% | 2,664 |
| Noninterest income to average assets | 0.3952% | 3,670 |
| Noninterest expense to average assets | 2.4792% | 3,854 |
| Loan and lease loss provision to assets | -0.0123% | 5,311 |
| Net operating income to assets | 1.4756% | 855 |
| Return on assets (ROA) | 1.4557% | 904 |
| Pretax return on assets | 1.4665% | 1,755 |
| Return on Equity (ROE) | 10.5173% | 1,671 |
| Retained earnings to average equity (ytd only) | 6.0561% | 1,514 |
| Net charge-offs to loans | 0.0200% | 3,437 |
| Credit loss provision to net charge-offs | -114.2857% | 4,730 |
| Earnings coverage of net charge-offs (x) | 136.4286% | 507 |
| Efficiency ratio | 62.7099% | 3,827 |
| Assets per employee ($millions) | 5.1526% | 2,313 |
| Cash dividends to net income (ytd only)* | 42.4178% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 4,145 |
| Loan loss allowance to noncurrent loans | 449.3333% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 4,282 |
| Noncurrent loans to loans | 0.2145% | 4,055 |
| Net loans and leases to total assets | 51.6989% | 4,537 |
| Net loans and leases to deposits | 60.1257% | 4,558 |
| Net loans and leases to core deposits | 61.4606% | 4,684 |
| Total domestic deposits to total assets | 85.9847% | 2,440 |
| Equity capital to assets | 13.7615% | 970 |
| Core capital (leverage) ratio | 14.0277% | 826 |
| Tier 1 risk-based capital ratio | 27.7835% | 553 |
| Total risk-based capital ratio | 28.7992% | 555 |
| Memoranda: | ||
| Average total assets | $64,778,800 | 4,866 |
| Average earning assets | $61,733,800 | 4,822 |
| Average equity | $8,966,200 | 4,616 |
| Average total loans | $34,961,400 | 4,871 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8917% | 3,706 |
| Cost of funding earning assets | 0.1590% | 5,259 |
| Net interest margin | 3.7327% | 2,648 |
| Noninterest income to average assets | 0.4173% | 3,576 |
| Noninterest expense to average assets | 2.3811% | 4,066 |
| Loan and lease loss provision to assets | -0.0083% | 5,452 |
| Net operating income to assets | 1.5964% | 725 |
| Return on assets (ROA) | 1.6254% | 694 |
| Pretax return on assets | 1.6317% | 1,308 |
| Return on Equity (ROE) | 11.7257% | 1,417 |
| Retained earnings to average equity (ytd only) | 7.2331% | 1,577 |
| Net charge-offs to loans | 0.0076% | 3,459 |
| Credit loss provision to net charge-offs | -200.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | 383.5094% | 246 |
| Efficiency ratio | 59.8956% | 4,237 |
| Assets per employee ($millions) | 4.9982% | 2,447 |
| Cash dividends to net income (ytd only)* | 38.3143% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 4,281 |
| Loan loss allowance to noncurrent loans | 455.2632% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.1770% | 4,396 |
| Noncurrent loans to loans | 0.2108% | 4,228 |
| Net loans and leases to total assets | 54.9588% | 4,328 |
| Net loans and leases to deposits | 64.1551% | 4,371 |
| Net loans and leases to core deposits | 64.7131% | 4,573 |
| Total domestic deposits to total assets | 85.6655% | 2,449 |
| Equity capital to assets | 14.0914% | 964 |
| Core capital (leverage) ratio | 14.0663% | 881 |
| Tier 1 risk-based capital ratio | 27.3395% | 600 |
| Total risk-based capital ratio | 28.3723% | 604 |
| Memoranda: | ||
| Average total assets | $64,227,500 | 4,927 |
| Average earning assets | $61,223,250 | 4,885 |
| Average equity | $8,903,250 | 4,677 |
| Average total loans | $34,960,000 | 4,921 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8460% | 3,737 |
| Cost of funding earning assets | 0.1579% | 5,289 |
| Net interest margin | 3.6881% | 2,692 |
| Noninterest income to average assets | 0.4158% | 3,595 |
| Noninterest expense to average assets | 2.4227% | 3,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4911% | 883 |
| Return on assets (ROA) | 1.5349% | 829 |
| Pretax return on assets | 1.5412% | 1,520 |
| Return on Equity (ROE) | 11.1350% | 1,589 |
| Retained earnings to average equity (ytd only) | 6.5994% | 1,796 |
| Net charge-offs to loans | 0.0116% | 3,054 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 239.5000% | 354 |
| Efficiency ratio | 61.8022% | 4,025 |
| Assets per employee ($millions) | 4.9790% | 2,411 |
| Cash dividends to net income (ytd only)* | 40.7332% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 4,265 |
| Loan loss allowance to noncurrent loans | 454.5455% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 4,462 |
| Noncurrent loans to loans | 0.2155% | 4,259 |
| Net loans and leases to total assets | 54.6573% | 4,345 |
| Net loans and leases to deposits | 63.6238% | 4,395 |
| Net loans and leases to core deposits | 64.5666% | 4,563 |
| Total domestic deposits to total assets | 85.9070% | 2,410 |
| Equity capital to assets | 13.8505% | 1,016 |
| Core capital (leverage) ratio | 14.1077% | 829 |
| Tier 1 risk-based capital ratio | 26.7594% | 618 |
| Total risk-based capital ratio | 27.8040% | 619 |
| Memoranda: | ||
| Average total assets | $63,978,000 | 4,973 |
| Average earning assets | $60,790,000 | 4,930 |
| Average equity | $8,819,000 | 4,717 |
| Average total loans | $34,594,670 | 4,964 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8104% | 3,733 |
| Cost of funding earning assets | 0.1588% | 5,312 |
| Net interest margin | 3.6516% | 2,689 |
| Noninterest income to average assets | 0.4591% | 3,261 |
| Noninterest expense to average assets | 2.3646% | 4,211 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5597% | 730 |
| Return on assets (ROA) | 1.5597% | 751 |
| Pretax return on assets | 1.5660% | 1,323 |
| Return on Equity (ROE) | 11.3423% | 1,451 |
| Retained earnings to average equity (ytd only) | 6.7688% | 1,944 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1600% | 4,431 |
| Assets per employee ($millions) | 4.9254% | 2,544 |
| Cash dividends to net income (ytd only)* | 40.3226% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 4,038 |
| Loan loss allowance to noncurrent loans | 404.5977% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 4,449 |
| Noncurrent loans to loans | 0.2568% | 4,196 |
| Net loans and leases to total assets | 52.3567% | 4,483 |
| Net loans and leases to deposits | 60.8896% | 4,506 |
| Net loans and leases to core deposits | 62.1171% | 4,650 |
| Total domestic deposits to total assets | 85.9863% | 2,670 |
| Equity capital to assets | 13.7810% | 976 |
| Core capital (leverage) ratio | 13.9280% | 867 |
| Tier 1 risk-based capital ratio | 26.8331% | 635 |
| Total risk-based capital ratio | 27.9037% | 636 |
| Memoranda: | ||
| Average total assets | $63,603,500 | 5,041 |
| Average earning assets | $60,466,000 | 4,987 |
| Average equity | $8,746,000 | 4,760 |
| Average total loans | $34,028,000 | 5,028 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9191% | 3,500 |
| Cost of funding earning assets | 0.1521% | 5,412 |
| Net interest margin | 3.7670% | 2,443 |
| Noninterest income to average assets | 0.4021% | 3,870 |
| Noninterest expense to average assets | 2.5907% | 3,700 |
| Loan and lease loss provision to assets | 0.0132% | 4,115 |
| Net operating income to assets | 1.3827% | 1,043 |
| Return on assets (ROA) | 1.3827% | 1,085 |
| Pretax return on assets | 1.3893% | 1,987 |
| Return on Equity (ROE) | 9.9377% | 1,982 |
| Retained earnings to average equity (ytd only) | 5.1998% | 2,203 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8783% | 3,781 |
| Assets per employee ($millions) | 4.8598% | 2,560 |
| Cash dividends to net income (ytd only)* | 47.6758% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 4,143 |
| Loan loss allowance to noncurrent loans | 382.6087% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 4,488 |
| Noncurrent loans to loans | 0.2692% | 4,186 |
| Net loans and leases to total assets | 53.5448% | 4,477 |
| Net loans and leases to deposits | 62.2307% | 4,524 |
| Net loans and leases to core deposits | 63.1732% | 4,680 |
| Total domestic deposits to total assets | 86.0424% | 2,560 |
| Equity capital to assets | 13.7202% | 976 |
| Core capital (leverage) ratio | 14.2803% | 738 |
| Tier 1 risk-based capital ratio | 26.4055% | 663 |
| Total risk-based capital ratio | 27.4769% | 659 |
| Memoranda: | ||
| Average total assets | $60,677,800 | 5,123 |
| Average earning assets | $57,844,200 | 5,076 |
| Average equity | $8,442,600 | 4,854 |
| Average total loans | $33,750,200 | 5,078 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9118% | 3,545 |
| Cost of funding earning assets | 0.1511% | 5,481 |
| Net interest margin | 3.7608% | 2,489 |
| Noninterest income to average assets | 0.4063% | 3,878 |
| Noninterest expense to average assets | 2.6132% | 3,613 |
| Loan and lease loss provision to assets | 0.0178% | 3,892 |
| Net operating income to assets | 1.3632% | 1,137 |
| Return on assets (ROA) | 1.3632% | 1,216 |
| Pretax return on assets | 1.3677% | 2,166 |
| Return on Equity (ROE) | 9.7618% | 2,166 |
| Retained earnings to average equity (ytd only) | 4.9922% | 2,835 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3526% | 3,700 |
| Assets per employee ($millions) | 4.6575% | 2,826 |
| Cash dividends to net income (ytd only)* | 48.8597% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 4,390 |
| Loan loss allowance to noncurrent loans | 214.6341% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.3600% | 3,974 |
| Noncurrent loans to loans | 0.4672% | 3,616 |
| Net loans and leases to total assets | 57.3941% | 4,153 |
| Net loans and leases to deposits | 67.0235% | 4,246 |
| Net loans and leases to core deposits | 68.1446% | 4,460 |
| Total domestic deposits to total assets | 85.6329% | 2,540 |
| Equity capital to assets | 14.1375% | 988 |
| Core capital (leverage) ratio | 14.1626% | 806 |
| Tier 1 risk-based capital ratio | 26.0292% | 716 |
| Total risk-based capital ratio | 27.1011% | 710 |
| Memoranda: | ||
| Average total assets | $60,053,000 | 5,185 |
| Average earning assets | $57,362,750 | 5,135 |
| Average equity | $8,386,250 | 4,914 |
| Average total loans | $33,642,750 | 5,132 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8763% | 3,673 |
| Cost of funding earning assets | 0.1504% | 5,546 |
| Net interest margin | 3.7259% | 2,591 |
| Noninterest income to average assets | 0.3941% | 3,915 |
| Noninterest expense to average assets | 2.7351% | 3,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2089% | 1,567 |
| Return on assets (ROA) | 1.2089% | 1,667 |
| Pretax return on assets | 1.2156% | 2,724 |
| Return on Equity (ROE) | 8.6932% | 2,638 |
| Retained earnings to average equity (ytd only) | 3.8903% | 3,428 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 3,111 |
| Assets per employee ($millions) | 4.6342% | 2,812 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 4,436 |
| Loan loss allowance to noncurrent loans | 172.0000% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 3,812 |
| Noncurrent loans to loans | 0.5893% | 3,302 |
| Net loans and leases to total assets | 55.7649% | 4,341 |
| Net loans and leases to deposits | 64.9932% | 4,422 |
| Net loans and leases to core deposits | 66.9824% | 4,544 |
| Total domestic deposits to total assets | 85.8011% | 2,520 |
| Equity capital to assets | 13.9649% | 1,037 |
| Core capital (leverage) ratio | 14.1757% | 779 |
| Tier 1 risk-based capital ratio | 25.8616% | 734 |
| Total risk-based capital ratio | 26.9211% | 734 |
| Memoranda: | ||
| Average total assets | $59,888,000 | 5,242 |
| Average earning assets | $57,167,330 | 5,198 |
| Average equity | $8,328,330 | 4,966 |
| Average total loans | $33,156,000 | 5,197 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8583% | 3,743 |
| Cost of funding earning assets | 0.1543% | 5,576 |
| Net interest margin | 3.7040% | 2,655 |
| Noninterest income to average assets | 0.4354% | 3,573 |
| Noninterest expense to average assets | 2.7064% | 3,391 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2594% | 1,379 |
| Return on assets (ROA) | 1.2594% | 1,470 |
| Pretax return on assets | 1.2661% | 2,442 |
| Return on Equity (ROE) | 9.0755% | 2,390 |
| Retained earnings to average equity (ytd only) | 4.2481% | 3,355 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1282% | 3,446 |
| Assets per employee ($millions) | 4.5649% | 2,965 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 4,276 |
| Loan loss allowance to noncurrent loans | 260.6061% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 4,307 |
| Noncurrent loans to loans | 0.4073% | 3,974 |
| Net loans and leases to total assets | 54.0291% | 4,452 |
| Net loans and leases to deposits | 63.0367% | 4,502 |
| Net loans and leases to core deposits | 64.4495% | 4,659 |
| Total domestic deposits to total assets | 85.7104% | 2,804 |
| Equity capital to assets | 14.0469% | 966 |
| Core capital (leverage) ratio | 14.0380% | 801 |
| Tier 1 risk-based capital ratio | 27.6337% | 637 |
| Total risk-based capital ratio | 28.7759% | 627 |
| Memoranda: | ||
| Average total assets | $59,710,000 | 5,294 |
| Average earning assets | $57,020,000 | 5,237 |
| Average equity | $8,286,000 | 4,999 |
| Average total loans | $32,764,500 | 5,245 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1367% | 2,784 |
| Cost of funding earning assets | 0.1566% | 5,644 |
| Net interest margin | 3.9801% | 1,783 |
| Noninterest income to average assets | 0.4919% | 3,380 |
| Noninterest expense to average assets | 2.8170% | 3,162 |
| Loan and lease loss provision to assets | 0.0413% | 3,509 |
| Net operating income to assets | 1.4166% | 1,010 |
| Return on assets (ROA) | 1.4184% | 1,045 |
| Pretax return on assets | 1.4238% | 1,810 |
| Return on Equity (ROE) | 9.8317% | 2,068 |
| Retained earnings to average equity (ytd only) | 5.1648% | 2,303 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8138% | 3,935 |
| Assets per employee ($millions) | 4.6212% | 2,853 |
| Cash dividends to net income (ytd only)* | 47.4684% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 4,392 |
| Loan loss allowance to noncurrent loans | 258.6466% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3129% | 4,344 |
| Noncurrent loans to loans | 0.4015% | 4,015 |
| Net loans and leases to total assets | 54.5609% | 4,442 |
| Net loans and leases to deposits | 63.4114% | 4,516 |
| Net loans and leases to core deposits | 64.8030% | 4,684 |
| Total domestic deposits to total assets | 86.0427% | 2,622 |
| Equity capital to assets | 13.7093% | 1,038 |
| Core capital (leverage) ratio | 14.2939% | 761 |
| Tier 1 risk-based capital ratio | 27.1424% | 654 |
| Total risk-based capital ratio | 28.2762% | 645 |
| Memoranda: | ||
| Average total assets | $55,697,000 | 5,415 |
| Average earning assets | $53,013,400 | 5,356 |
| Average equity | $8,035,200 | 5,055 |
| Average total loans | $33,449,800 | 5,248 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0866% | 3,000 |
| Cost of funding earning assets | 0.1564% | 5,736 |
| Net interest margin | 3.9302% | 1,931 |
| Noninterest income to average assets | 0.5250% | 3,202 |
| Noninterest expense to average assets | 2.7983% | 3,194 |
| Loan and lease loss provision to assets | 0.0562% | 3,069 |
| Net operating income to assets | 1.4089% | 1,088 |
| Return on assets (ROA) | 1.4114% | 1,130 |
| Pretax return on assets | 1.4163% | 1,943 |
| Return on Equity (ROE) | 9.6512% | 2,241 |
| Retained earnings to average equity (ytd only) | 5.4768% | 2,591 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5606% | 3,967 |
| Assets per employee ($millions) | 4.3660% | 3,224 |
| Cash dividends to net income (ytd only)* | 43.2531% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 4,559 |
| Loan loss allowance to noncurrent loans | 135.9684% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5726% | 3,573 |
| Noncurrent loans to loans | 0.7600% | 3,061 |
| Net loans and leases to total assets | 58.0464% | 4,134 |
| Net loans and leases to deposits | 67.9930% | 4,190 |
| Net loans and leases to core deposits | 69.5503% | 4,413 |
| Total domestic deposits to total assets | 85.3712% | 2,843 |
| Equity capital to assets | 14.3751% | 891 |
| Core capital (leverage) ratio | 14.6441% | 705 |
| Tier 1 risk-based capital ratio | 27.4621% | 653 |
| Total risk-based capital ratio | 28.6215% | 645 |
| Memoranda: | ||
| Average total assets | $54,602,250 | 5,512 |
| Average earning assets | $52,006,000 | 5,459 |
| Average equity | $7,985,000 | 5,127 |
| Average total loans | $33,531,750 | 5,303 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1088% | 2,863 |
| Cost of funding earning assets | 0.1559% | 5,808 |
| Net interest margin | 3.9529% | 1,795 |
| Noninterest income to average assets | 0.5345% | 3,142 |
| Noninterest expense to average assets | 2.8840% | 2,951 |
| Loan and lease loss provision to assets | 0.0854% | 2,409 |
| Net operating income to assets | 1.3251% | 1,253 |
| Return on assets (ROA) | 1.3288% | 1,289 |
| Pretax return on assets | 1.3325% | 2,235 |
| Return on Equity (ROE) | 9.0324% | 2,521 |
| Retained earnings to average equity (ytd only) | 5.2479% | 2,705 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0984% | 3,812 |
| Assets per employee ($millions) | 4.2159% | 3,441 |
| Cash dividends to net income (ytd only)* | 41.8994% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 4,837 |
| Loan loss allowance to noncurrent loans | 126.9373% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.6258% | 3,542 |
| Noncurrent loans to loans | 0.7931% | 3,128 |
| Net loans and leases to total assets | 61.7184% | 3,596 |
| Net loans and leases to deposits | 72.5428% | 3,672 |
| Net loans and leases to core deposits | 74.5362% | 3,903 |
| Total domestic deposits to total assets | 85.0785% | 3,091 |
| Equity capital to assets | 14.6569% | 782 |
| Core capital (leverage) ratio | 14.8562% | 647 |
| Tier 1 risk-based capital ratio | 24.9503% | 866 |
| Total risk-based capital ratio | 26.0194% | 875 |
| Memoranda: | ||
| Average total assets | $53,883,670 | 5,587 |
| Average earning assets | $51,304,000 | 5,531 |
| Average equity | $7,927,000 | 5,183 |
| Average total loans | $33,612,330 | 5,336 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0118% | 3,188 |
| Cost of funding earning assets | 0.1573% | 5,864 |
| Net interest margin | 3.8544% | 2,049 |
| Noninterest income to average assets | 0.5316% | 3,078 |
| Noninterest expense to average assets | 2.8453% | 3,086 |
| Loan and lease loss provision to assets | 0.0524% | 2,893 |
| Net operating income to assets | 1.2954% | 1,289 |
| Return on assets (ROA) | 1.3028% | 1,352 |
| Pretax return on assets | 1.3103% | 2,240 |
| Return on Equity (ROE) | 8.8392% | 2,526 |
| Retained earnings to average equity (ytd only) | 5.0292% | 3,037 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7362% | 3,872 |
| Assets per employee ($millions) | 4.1320% | 3,692 |
| Cash dividends to net income (ytd only)* | 43.1034% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 5,093 |
| Loan loss allowance to noncurrent loans | 58.5714% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 1.1766% | 2,284 |
| Noncurrent loans to loans | 1.6870% | 1,638 |
| Net loans and leases to total assets | 61.1866% | 3,497 |
| Net loans and leases to deposits | 71.9978% | 3,534 |
| Net loans and leases to core deposits | 73.2902% | 3,844 |
| Total domestic deposits to total assets | 84.9840% | 3,413 |
| Equity capital to assets | 14.7591% | 758 |
| Core capital (leverage) ratio | 14.6798% | 656 |
| Tier 1 risk-based capital ratio | 25.2906% | 857 |
| Total risk-based capital ratio | 26.3381% | 858 |
| Memoranda: | ||
| Average total assets | $53,422,000 | 5,657 |
| Average earning assets | $50,850,500 | 5,596 |
| Average equity | $7,874,000 | 5,240 |
| Average total loans | $33,333,500 | 5,393 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0296% | 3,603 |
| Cost of funding earning assets | 0.1719% | 5,970 |
| Net interest margin | 3.8577% | 2,403 |
| Noninterest income to average assets | 0.4874% | 3,605 |
| Noninterest expense to average assets | 2.8040% | 3,463 |
| Loan and lease loss provision to assets | 0.0282% | 4,041 |
| Net operating income to assets | 1.3248% | 1,253 |
| Return on assets (ROA) | 1.3437% | 1,249 |
| Pretax return on assets | 1.3474% | 2,085 |
| Return on Equity (ROE) | 9.4056% | 2,388 |
| Retained earnings to average equity (ytd only) | 5.4537% | 2,292 |
| Net charge-offs to loans | -0.0030% | 5,409 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3903% | 4,003 |
| Assets per employee ($millions) | 4.0868% | 3,748 |
| Cash dividends to net income (ytd only)* | 42.0168% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 5,252 |
| Loan loss allowance to noncurrent loans | 58.0470% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 1.1764% | 2,411 |
| Noncurrent loans to loans | 1.6521% | 1,770 |
| Net loans and leases to total assets | 62.3984% | 3,453 |
| Net loans and leases to deposits | 73.4225% | 3,503 |
| Net loans and leases to core deposits | 74.7520% | 3,843 |
| Total domestic deposits to total assets | 84.9853% | 3,287 |
| Equity capital to assets | 14.7192% | 754 |
| Core capital (leverage) ratio | 14.8517% | 638 |
| Tier 1 risk-based capital ratio | 25.8188% | 774 |
| Total risk-based capital ratio | 26.8786% | 777 |
| Memoranda: | ||
| Average total assets | $53,138,200 | 5,715 |
| Average earning assets | $50,600,200 | 5,658 |
| Average equity | $7,591,200 | 5,296 |
| Average total loans | $32,969,400 | 5,447 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0040% | 3,741 |
| Cost of funding earning assets | 0.1763% | 6,023 |
| Net interest margin | 3.8277% | 2,515 |
| Noninterest income to average assets | 0.4892% | 3,620 |
| Noninterest expense to average assets | 2.8352% | 3,333 |
| Loan and lease loss provision to assets | 0.0376% | 3,647 |
| Net operating income to assets | 1.2620% | 1,489 |
| Return on assets (ROA) | 1.2671% | 1,528 |
| Pretax return on assets | 1.2721% | 2,490 |
| Return on Equity (ROE) | 8.9371% | 2,727 |
| Retained earnings to average equity (ytd only) | 4.9551% | 3,106 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4848% | 3,764 |
| Assets per employee ($millions) | 4.0206% | 3,831 |
| Cash dividends to net income (ytd only)* | 44.5539% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9465% | 5,441 |
| Loan loss allowance to noncurrent loans | 63.1164% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 1.1078% | 2,736 |
| Noncurrent loans to loans | 1.4996% | 2,167 |
| Net loans and leases to total assets | 64.0717% | 3,163 |
| Net loans and leases to deposits | 75.3866% | 3,257 |
| Net loans and leases to core deposits | 77.4599% | 3,588 |
| Total domestic deposits to total assets | 84.9908% | 3,338 |
| Equity capital to assets | 14.7050% | 807 |
| Core capital (leverage) ratio | 14.6169% | 694 |
| Tier 1 risk-based capital ratio | 25.2074% | 864 |
| Total risk-based capital ratio | 26.2569% | 869 |
| Memoranda: | ||
| Average total assets | $53,140,750 | 5,781 |
| Average earning assets | $50,681,750 | 5,712 |
| Average equity | $7,534,000 | 5,348 |
| Average total loans | $32,843,750 | 5,499 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9420% | 3,968 |
| Cost of funding earning assets | 0.1806% | 6,067 |
| Net interest margin | 3.7614% | 2,709 |
| Noninterest income to average assets | 0.4679% | 3,736 |
| Noninterest expense to average assets | 2.8859% | 3,216 |
| Loan and lease loss provision to assets | 0.0412% | 3,493 |
| Net operating income to assets | 1.1229% | 1,846 |
| Return on assets (ROA) | 1.1304% | 1,910 |
| Pretax return on assets | 1.1342% | 2,955 |
| Return on Equity (ROE) | 8.0713% | 3,052 |
| Retained earnings to average equity (ytd only) | 4.0624% | 3,584 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1911% | 3,471 |
| Assets per employee ($millions) | 4.0539% | 3,728 |
| Cash dividends to net income (ytd only)* | 49.6689% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 5,574 |
| Loan loss allowance to noncurrent loans | 48.1707% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 1.3852% | 2,360 |
| Noncurrent loans to loans | 1.9686% | 1,718 |
| Net loans and leases to total assets | 62.6307% | 3,299 |
| Net loans and leases to deposits | 73.6648% | 3,363 |
| Net loans and leases to core deposits | 75.5482% | 3,669 |
| Total domestic deposits to total assets | 85.0212% | 3,493 |
| Equity capital to assets | 14.3413% | 862 |
| Core capital (leverage) ratio | 14.2752% | 761 |
| Tier 1 risk-based capital ratio | 24.5973% | 918 |
| Total risk-based capital ratio | 25.6257% | 923 |
| Memoranda: | ||
| Average total assets | $53,431,670 | 5,822 |
| Average earning assets | $50,939,000 | 5,756 |
| Average equity | $7,483,330 | 5,383 |
| Average total loans | $32,522,000 | 5,553 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8366% | 4,335 |
| Cost of funding earning assets | 0.1872% | 6,098 |
| Net interest margin | 3.6494% | 3,063 |
| Noninterest income to average assets | 0.5577% | 2,999 |
| Noninterest expense to average assets | 2.8329% | 3,448 |
| Loan and lease loss provision to assets | 0.0595% | 2,918 |
| Net operating income to assets | 1.1378% | 1,673 |
| Return on assets (ROA) | 1.1525% | 1,691 |
| Pretax return on assets | 1.1599% | 2,657 |
| Return on Equity (ROE) | 8.3266% | 2,781 |
| Retained earnings to average equity (ytd only) | 4.2976% | 3,552 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1657% | 3,813 |
| Assets per employee ($millions) | 4.1702% | 3,592 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 5,636 |
| Loan loss allowance to noncurrent loans | 61.8577% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 1.1971% | 2,864 |
| Noncurrent loans to loans | 1.5686% | 2,465 |
| Net loans and leases to total assets | 58.9268% | 3,713 |
| Net loans and leases to deposits | 68.5934% | 3,784 |
| Net loans and leases to core deposits | 70.7835% | 4,006 |
| Total domestic deposits to total assets | 85.9074% | 3,411 |
| Equity capital to assets | 13.8085% | 983 |
| Core capital (leverage) ratio | 14.0245% | 814 |
| Tier 1 risk-based capital ratio | 24.7259% | 916 |
| Total risk-based capital ratio | 25.7597% | 922 |
| Memoranda: | ||
| Average total assets | $53,797,000 | 5,870 |
| Average earning assets | $51,295,500 | 5,803 |
| Average equity | $7,446,000 | 5,428 |
| Average total loans | $32,121,500 | 5,625 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9515% | 4,275 |
| Cost of funding earning assets | 0.2091% | 6,235 |
| Net interest margin | 3.7423% | 2,888 |
| Noninterest income to average assets | 0.5573% | 3,356 |
| Noninterest expense to average assets | 2.8499% | 3,528 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2434% | 1,415 |
| Return on assets (ROA) | 1.2434% | 1,471 |
| Pretax return on assets | 1.2491% | 2,364 |
| Return on Equity (ROE) | 8.9622% | 2,546 |
| Retained earnings to average equity (ytd only) | 4.8066% | 2,727 |
| Net charge-offs to loans | 0.0161% | 5,120 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 357 |
| Efficiency ratio | 69.5265% | 3,916 |
| Assets per employee ($millions) | 4.1062% | 3,638 |
| Cash dividends to net income (ytd only)* | 46.3679% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 5,745 |
| Loan loss allowance to noncurrent loans | 69.3182% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 1.0921% | 3,222 |
| Noncurrent loans to loans | 1.3757% | 2,838 |
| Net loans and leases to total assets | 59.3451% | 3,820 |
| Net loans and leases to deposits | 69.1409% | 3,894 |
| Net loans and leases to core deposits | 70.3603% | 4,255 |
| Total domestic deposits to total assets | 85.8320% | 3,346 |
| Equity capital to assets | 13.8739% | 940 |
| Core capital (leverage) ratio | 14.2232% | 765 |
| Tier 1 risk-based capital ratio | 25.0567% | 843 |
| Total risk-based capital ratio | 26.0886% | 858 |
| Memoranda: | ||
| Average total assets | $52,036,600 | 5,966 |
| Average earning assets | $49,247,400 | 5,916 |
| Average equity | $7,219,200 | 5,512 |
| Average total loans | $31,099,200 | 5,707 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9634% | 4,269 |
| Cost of funding earning assets | 0.2153% | 6,315 |
| Net interest margin | 3.7480% | 2,855 |
| Noninterest income to average assets | 0.5777% | 3,284 |
| Noninterest expense to average assets | 2.9141% | 3,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2018% | 1,631 |
| Return on assets (ROA) | 1.2018% | 1,702 |
| Pretax return on assets | 1.2095% | 2,656 |
| Return on Equity (ROE) | 8.6625% | 2,801 |
| Retained earnings to average equity (ytd only) | 4.4800% | 3,482 |
| Net charge-offs to loans | 0.0216% | 4,695 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 93.7511% | 520 |
| Efficiency ratio | 70.6692% | 3,649 |
| Assets per employee ($millions) | 4.0095% | 3,815 |
| Cash dividends to net income (ytd only)* | 48.2827% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 5,880 |
| Loan loss allowance to noncurrent loans | 87.1429% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 0.9708% | 3,717 |
| Noncurrent loans to loans | 1.1033% | 3,588 |
| Net loans and leases to total assets | 60.2786% | 3,654 |
| Net loans and leases to deposits | 70.3925% | 3,730 |
| Net loans and leases to core deposits | 72.3190% | 4,055 |
| Total domestic deposits to total assets | 85.6321% | 3,436 |
| Equity capital to assets | 14.0053% | 964 |
| Core capital (leverage) ratio | 14.1960% | 818 |
| Tier 1 risk-based capital ratio | 25.4737% | 838 |
| Total risk-based capital ratio | 26.5380% | 836 |
| Memoranda: | ||
| Average total assets | $51,700,500 | 6,041 |
| Average earning assets | $48,913,500 | 5,993 |
| Average equity | $7,172,500 | 5,589 |
| Average total loans | $30,878,000 | 5,771 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9488% | 4,296 |
| Cost of funding earning assets | 0.2262% | 6,334 |
| Net interest margin | 3.7226% | 2,876 |
| Noninterest income to average assets | 0.5741% | 3,355 |
| Noninterest expense to average assets | 2.9364% | 3,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1404% | 1,781 |
| Return on assets (ROA) | 1.1404% | 1,893 |
| Pretax return on assets | 1.1482% | 2,893 |
| Return on Equity (ROE) | 8.2468% | 2,966 |
| Retained earnings to average equity (ytd only) | 4.0393% | 3,729 |
| Net charge-offs to loans | 0.0131% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 148.0000% | 334 |
| Efficiency ratio | 71.8898% | 3,492 |
| Assets per employee ($millions) | 3.9107% | 4,000 |
| Cash dividends to net income (ytd only)* | 51.0204% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 5,809 |
| Loan loss allowance to noncurrent loans | 51.7647% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 1.4772% | 2,890 |
| Noncurrent loans to loans | 1.9377% | 2,466 |
| Net loans and leases to total assets | 59.7927% | 3,693 |
| Net loans and leases to deposits | 69.9625% | 3,716 |
| Net loans and leases to core deposits | 71.2581% | 4,142 |
| Total domestic deposits to total assets | 85.4639% | 3,660 |
| Equity capital to assets | 14.1683% | 915 |
| Core capital (leverage) ratio | 14.2857% | 752 |
| Tier 1 risk-based capital ratio | 25.5407% | 814 |
| Total risk-based capital ratio | 26.6329% | 815 |
| Memoranda: | ||
| Average total assets | $51,559,670 | 6,082 |
| Average earning assets | $48,622,000 | 6,029 |
| Average equity | $7,130,000 | 5,651 |
| Average total loans | $30,596,000 | 5,817 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9218% | 4,400 |
| Cost of funding earning assets | 0.2379% | 6,362 |
| Net interest margin | 3.6839% | 2,922 |
| Noninterest income to average assets | 0.5855% | 3,213 |
| Noninterest expense to average assets | 2.9276% | 3,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1094% | 1,819 |
| Return on assets (ROA) | 1.1094% | 1,927 |
| Pretax return on assets | 1.1171% | 2,893 |
| Return on Equity (ROE) | 8.1201% | 2,908 |
| Retained earnings to average equity (ytd only) | 3.8909% | 3,901 |
| Net charge-offs to loans | 0.0262% | 3,666 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 72.5000% | 504 |
| Efficiency ratio | 72.3810% | 3,545 |
| Assets per employee ($millions) | 3.9868% | 3,979 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 5,931 |
| Loan loss allowance to noncurrent loans | 52.0270% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 1.4432% | 3,093 |
| Noncurrent loans to loans | 1.9531% | 2,670 |
| Net loans and leases to total assets | 57.8896% | 3,790 |
| Net loans and leases to deposits | 67.3922% | 3,856 |
| Net loans and leases to core deposits | 69.1170% | 4,173 |
| Total domestic deposits to total assets | 85.8995% | 3,581 |
| Equity capital to assets | 13.7532% | 1,114 |
| Core capital (leverage) ratio | 13.8249% | 842 |
| Tier 1 risk-based capital ratio | 26.2165% | 765 |
| Total risk-based capital ratio | 27.3493% | 763 |
| Memoranda: | ||
| Average total assets | $51,920,000 | 6,125 |
| Average earning assets | $48,753,000 | 6,076 |
| Average equity | $7,093,500 | 5,717 |
| Average total loans | $30,541,000 | 5,868 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2859% | 4,251 |
| Cost of funding earning assets | 0.3490% | 6,221 |
| Net interest margin | 3.9369% | 2,663 |
| Noninterest income to average assets | 0.5044% | 3,869 |
| Noninterest expense to average assets | 2.9981% | 3,282 |
| Loan and lease loss provision to assets | 0.0100% | 5,795 |
| Net operating income to assets | 1.1929% | 1,627 |
| Return on assets (ROA) | 1.1948% | 1,788 |
| Pretax return on assets | 1.2008% | 2,806 |
| Return on Equity (ROE) | 8.5383% | 2,851 |
| Retained earnings to average equity (ytd only) | 2.8175% | 4,256 |
| Net charge-offs to loans | -0.0065% | 6,413 |
| Credit loss provision to net charge-offs | -250.0000% | 6,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2655% | 3,573 |
| Assets per employee ($millions) | 4.0009% | 3,945 |
| Cash dividends to net income (ytd only)* | 67.0017% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 5,935 |
| Loan loss allowance to noncurrent loans | 80.9399% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.0363% | 3,959 |
| Noncurrent loans to loans | 1.2447% | 3,760 |
| Net loans and leases to total assets | 58.5653% | 3,869 |
| Net loans and leases to deposits | 68.0480% | 3,973 |
| Net loans and leases to core deposits | 69.2752% | 4,400 |
| Total domestic deposits to total assets | 86.0648% | 3,325 |
| Equity capital to assets | 13.5719% | 1,204 |
| Core capital (leverage) ratio | 14.3759% | 702 |
| Tier 1 risk-based capital ratio | 25.8590% | 782 |
| Total risk-based capital ratio | 26.9947% | 784 |
| Memoranda: | ||
| Average total assets | $49,965,200 | 6,212 |
| Average earning assets | $46,990,800 | 6,152 |
| Average equity | $6,992,000 | 5,769 |
| Average total loans | $30,828,000 | 5,908 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 4,181 |
| Cost of funding earning assets | 0.3705% | 6,270 |
| Net interest margin | 3.9961% | 2,511 |
| Noninterest income to average assets | 0.5311% | 3,737 |
| Noninterest expense to average assets | 2.9387% | 3,451 |
| Loan and lease loss provision to assets | 0.0135% | 5,646 |
| Net operating income to assets | 1.3481% | 1,331 |
| Return on assets (ROA) | 1.3507% | 1,471 |
| Pretax return on assets | 1.3615% | 2,370 |
| Return on Equity (ROE) | 9.5764% | 2,553 |
| Retained earnings to average equity (ytd only) | 3.8420% | 4,188 |
| Net charge-offs to loans | -0.0087% | 6,345 |
| Credit loss provision to net charge-offs | -250.0000% | 6,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1676% | 4,025 |
| Assets per employee ($millions) | 3.8364% | 4,219 |
| Cash dividends to net income (ytd only)* | 59.8805% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9821% | 6,149 |
| Loan loss allowance to noncurrent loans | 80.9399% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.2792% | 3,731 |
| Noncurrent loans to loans | 1.2134% | 4,027 |
| Net loans and leases to total assets | 62.6692% | 3,267 |
| Net loans and leases to deposits | 73.3324% | 3,392 |
| Net loans and leases to core deposits | 74.7262% | 3,887 |
| Total domestic deposits to total assets | 85.4591% | 3,535 |
| Equity capital to assets | 14.1620% | 1,094 |
| Core capital (leverage) ratio | 14.3799% | 736 |
| Tier 1 risk-based capital ratio | 25.5360% | 863 |
| Total risk-based capital ratio | 26.6568% | 858 |
| Memoranda: | ||
| Average total assets | $49,453,500 | 6,302 |
| Average earning assets | $46,777,500 | 6,229 |
| Average equity | $6,975,250 | 5,840 |
| Average total loans | $30,842,250 | 5,986 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4321% | 4,053 |
| Cost of funding earning assets | 0.3901% | 6,328 |
| Net interest margin | 4.0420% | 2,330 |
| Noninterest income to average assets | 0.5475% | 3,593 |
| Noninterest expense to average assets | 2.8957% | 3,633 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4682% | 1,050 |
| Return on assets (ROA) | 1.4682% | 1,181 |
| Pretax return on assets | 1.4763% | 1,936 |
| Return on Equity (ROE) | 10.4233% | 2,204 |
| Retained earnings to average equity (ytd only) | 4.6646% | 3,505 |
| Net charge-offs to loans | -0.0131% | 6,337 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2338% | 4,495 |
| Assets per employee ($millions) | 3.7898% | 4,339 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 6,194 |
| Loan loss allowance to noncurrent loans | 96.2145% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.4127% | 3,603 |
| Noncurrent loans to loans | 1.0309% | 4,445 |
| Net loans and leases to total assets | 61.7967% | 3,478 |
| Net loans and leases to deposits | 72.3853% | 3,551 |
| Net loans and leases to core deposits | 73.1945% | 4,142 |
| Total domestic deposits to total assets | 85.3718% | 3,679 |
| Equity capital to assets | 14.2527% | 1,000 |
| Core capital (leverage) ratio | 14.3026% | 734 |
| Tier 1 risk-based capital ratio | 25.4308% | 857 |
| Total risk-based capital ratio | 26.5351% | 860 |
| Memoranda: | ||
| Average total assets | $49,313,670 | 6,339 |
| Average earning assets | $46,660,000 | 6,273 |
| Average equity | $6,946,000 | 5,863 |
| Average total loans | $30,601,330 | 6,034 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5005% | 3,910 |
| Cost of funding earning assets | 0.4201% | 6,315 |
| Net interest margin | 4.0805% | 2,169 |
| Noninterest income to average assets | 0.5270% | 3,718 |
| Noninterest expense to average assets | 2.8214% | 3,939 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5567% | 928 |
| Return on assets (ROA) | 1.5567% | 1,037 |
| Pretax return on assets | 1.5648% | 1,688 |
| Return on Equity (ROE) | 11.1175% | 1,975 |
| Retained earnings to average equity (ytd only) | 5.3272% | 3,363 |
| Net charge-offs to loans | -0.0131% | 6,032 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3253% | 4,867 |
| Assets per employee ($millions) | 3.8283% | 4,363 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 6,281 |
| Loan loss allowance to noncurrent loans | 72.5537% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.3864% | 3,794 |
| Noncurrent loans to loans | 1.3670% | 4,070 |
| Net loans and leases to total assets | 60.9769% | 3,456 |
| Net loans and leases to deposits | 71.1719% | 3,556 |
| Net loans and leases to core deposits | 71.9532% | 4,158 |
| Total domestic deposits to total assets | 85.6755% | 3,697 |
| Equity capital to assets | 13.9728% | 1,035 |
| Core capital (leverage) ratio | 14.0527% | 793 |
| Tier 1 risk-based capital ratio | 25.5530% | 847 |
| Total risk-based capital ratio | 26.6701% | 840 |
| Memoranda: | ||
| Average total assets | $49,336,500 | 6,387 |
| Average earning assets | $46,661,000 | 6,310 |
| Average equity | $6,908,000 | 5,901 |
| Average total loans | $30,526,500 | 6,087 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1487% | 2,255 |
| Cost of funding earning assets | 0.5375% | 6,394 |
| Net interest margin | 4.6111% | 899 |
| Noninterest income to average assets | 0.4913% | 3,910 |
| Noninterest expense to average assets | 3.2320% | 2,761 |
| Loan and lease loss provision to assets | 0.0961% | 5,387 |
| Net operating income to assets | 1.4945% | 831 |
| Return on assets (ROA) | 1.4184% | 1,066 |
| Pretax return on assets | 1.4291% | 1,688 |
| Return on Equity (ROE) | 9.8031% | 2,124 |
| Retained earnings to average equity (ytd only) | 3.8976% | 3,442 |
| Net charge-offs to loans | 0.4268% | 3,298 |
| Credit loss provision to net charge-offs | 33.5821% | 5,734 |
| Earnings coverage of net charge-offs (x) | 5.5970% | 2,743 |
| Efficiency ratio | 66.8582% | 4,601 |
| Assets per employee ($millions) | 3.7619% | 4,409 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 6,236 |
| Loan loss allowance to noncurrent loans | 48.7923% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 1.8239% | 3,224 |
| Noncurrent loans to loans | 2.0426% | 3,151 |
| Net loans and leases to total assets | 61.5459% | 3,685 |
| Net loans and leases to deposits | 71.8971% | 3,813 |
| Net loans and leases to core deposits | 72.6976% | 4,413 |
| Total domestic deposits to total assets | 85.6027% | 3,535 |
| Equity capital to assets | 14.0313% | 1,046 |
| Core capital (leverage) ratio | 14.8773% | 625 |
| Tier 1 risk-based capital ratio | 25.6754% | 805 |
| Total risk-based capital ratio | 26.8091% | 796 |
| Memoranda: | ||
| Average total assets | $46,813,000 | 6,462 |
| Average earning assets | $44,089,200 | 6,384 |
| Average equity | $6,773,400 | 5,936 |
| Average total loans | $31,398,800 | 6,100 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3935% | 1,533 |
| Cost of funding earning assets | 0.5690% | 6,433 |
| Net interest margin | 4.8245% | 597 |
| Noninterest income to average assets | 0.5098% | 3,798 |
| Noninterest expense to average assets | 3.1568% | 2,970 |
| Loan and lease loss provision to assets | 0.1296% | 4,811 |
| Net operating income to assets | 1.7512% | 564 |
| Return on assets (ROA) | 1.7512% | 619 |
| Pretax return on assets | 1.7657% | 1,018 |
| Return on Equity (ROE) | 12.0074% | 1,550 |
| Retained earnings to average equity (ytd only) | 6.0827% | 2,510 |
| Net charge-offs to loans | 0.2149% | 4,096 |
| Credit loss provision to net charge-offs | 88.2353% | 3,835 |
| Earnings coverage of net charge-offs (x) | 12.9016% | 1,662 |
| Efficiency ratio | 62.4857% | 5,332 |
| Assets per employee ($millions) | 3.5585% | 4,860 |
| Cash dividends to net income (ytd only)* | 49.3419% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 5,206 |
| Loan loss allowance to noncurrent loans | 44.3169% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 2.6069% | 2,477 |
| Noncurrent loans to loans | 2.8375% | 2,455 |
| Net loans and leases to total assets | 65.5196% | 2,998 |
| Net loans and leases to deposits | 77.3984% | 3,101 |
| Net loans and leases to core deposits | 78.3164% | 3,856 |
| Total domestic deposits to total assets | 84.6523% | 3,940 |
| Equity capital to assets | 14.9283% | 869 |
| Core capital (leverage) ratio | 14.9000% | 687 |
| Tier 1 risk-based capital ratio | 25.3060% | 884 |
| Total risk-based capital ratio | 26.5592% | 875 |
| Memoranda: | ||
| Average total assets | $46,290,000 | 6,531 |
| Average earning assets | $43,582,250 | 6,458 |
| Average equity | $6,751,250 | 5,983 |
| Average total loans | $31,648,000 | 6,157 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3536% | 1,712 |
| Cost of funding earning assets | 0.5882% | 6,509 |
| Net interest margin | 4.7654% | 638 |
| Noninterest income to average assets | 0.5400% | 3,559 |
| Noninterest expense to average assets | 3.1015% | 3,249 |
| Loan and lease loss provision to assets | 0.1685% | 4,249 |
| Net operating income to assets | 1.7365% | 557 |
| Return on assets (ROA) | 1.7365% | 601 |
| Pretax return on assets | 1.7495% | 960 |
| Return on Equity (ROE) | 12.0006% | 1,492 |
| Retained earnings to average equity (ytd only) | 6.0301% | 2,411 |
| Net charge-offs to loans | 0.2565% | 3,602 |
| Credit loss provision to net charge-offs | 95.1220% | 3,306 |
| Earnings coverage of net charge-offs (x) | 10.8293% | 1,765 |
| Efficiency ratio | 61.7900% | 5,616 |
| Assets per employee ($millions) | 3.5508% | 4,808 |
| Cash dividends to net income (ytd only)* | 49.7512% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 5,378 |
| Loan loss allowance to noncurrent loans | 28.0866% | 6,374 |
| Noncurrent assets plus other real estate owned to assets | 4.0012% | 1,601 |
| Noncurrent loans to loans | 4.4042% | 1,528 |
| Net loans and leases to total assets | 67.2819% | 2,767 |
| Net loans and leases to deposits | 79.2943% | 2,925 |
| Net loans and leases to core deposits | 80.2304% | 3,754 |
| Total domestic deposits to total assets | 84.8508% | 3,942 |
| Equity capital to assets | 14.7311% | 882 |
| Core capital (leverage) ratio | 14.9228% | 681 |
| Tier 1 risk-based capital ratio | 24.6976% | 928 |
| Total risk-based capital ratio | 25.9507% | 911 |
| Memoranda: | ||
| Average total assets | $46,299,670 | 6,587 |
| Average earning assets | $43,522,000 | 6,521 |
| Average equity | $6,699,670 | 6,019 |
| Average total loans | $31,965,330 | 6,202 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2203% | 2,157 |
| Cost of funding earning assets | 0.6353% | 6,449 |
| Net interest margin | 4.5851% | 888 |
| Noninterest income to average assets | 0.6039% | 3,133 |
| Noninterest expense to average assets | 3.1228% | 3,171 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7598% | 525 |
| Return on assets (ROA) | 1.7598% | 554 |
| Pretax return on assets | 1.7770% | 856 |
| Return on Equity (ROE) | 12.2716% | 1,383 |
| Retained earnings to average equity (ytd only) | 6.2561% | 2,490 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7324% | 5,406 |
| Assets per employee ($millions) | 3.5668% | 4,834 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 5,586 |
| Loan loss allowance to noncurrent loans | 30.5296% | 6,271 |
| Noncurrent assets plus other real estate owned to assets | 3.7202% | 1,817 |
| Noncurrent loans to loans | 3.9616% | 1,843 |
| Net loans and leases to total assets | 69.0541% | 2,311 |
| Net loans and leases to deposits | 81.0854% | 2,510 |
| Net loans and leases to core deposits | 82.0306% | 3,452 |
| Total domestic deposits to total assets | 85.1622% | 3,965 |
| Equity capital to assets | 14.4539% | 891 |
| Core capital (leverage) ratio | 14.5829% | 730 |
| Tier 1 risk-based capital ratio | 23.6294% | 1,008 |
| Total risk-based capital ratio | 24.8810% | 988 |
| Memoranda: | ||
| Average total assets | $46,369,000 | 6,628 |
| Average earning assets | $43,445,500 | 6,576 |
| Average equity | $6,649,500 | 6,045 |
| Average total loans | $32,224,500 | 6,231 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4297% | 2,552 |
| Cost of funding earning assets | 0.8671% | 6,312 |
| Net interest margin | 4.5627% | 1,100 |
| Noninterest income to average assets | 0.5887% | 3,547 |
| Noninterest expense to average assets | 3.2587% | 2,877 |
| Loan and lease loss provision to assets | 0.1888% | 5,344 |
| Net operating income to assets | 1.4017% | 949 |
| Return on assets (ROA) | 1.4017% | 1,021 |
| Pretax return on assets | 1.4195% | 1,598 |
| Return on Equity (ROE) | 9.7530% | 2,017 |
| Retained earnings to average equity (ytd only) | 3.5704% | 3,356 |
| Net charge-offs to loans | 0.0492% | 6,302 |
| Credit loss provision to net charge-offs | 531.2500% | 425 |
| Earnings coverage of net charge-offs (x) | 45.2500% | 510 |
| Efficiency ratio | 66.9557% | 4,770 |
| Assets per employee ($millions) | 3.5669% | 4,786 |
| Cash dividends to net income (ytd only)* | 63.3914% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 5,397 |
| Loan loss allowance to noncurrent loans | 33.6192% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 3.4656% | 2,009 |
| Noncurrent loans to loans | 3.6394% | 2,051 |
| Net loans and leases to total assets | 68.2467% | 2,921 |
| Net loans and leases to deposits | 79.9363% | 3,186 |
| Net loans and leases to core deposits | 80.8637% | 4,083 |
| Total domestic deposits to total assets | 85.3763% | 3,680 |
| Equity capital to assets | 14.2269% | 973 |
| Core capital (leverage) ratio | 14.6633% | 719 |
| Tier 1 risk-based capital ratio | 24.1039% | 925 |
| Total risk-based capital ratio | 25.3572% | 907 |
| Memoranda: | ||
| Average total assets | $45,017,400 | 6,697 |
| Average earning assets | $42,212,000 | 6,634 |
| Average equity | $6,469,800 | 6,211 |
| Average total loans | $32,541,400 | 6,286 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4869% | 2,484 |
| Cost of funding earning assets | 0.9134% | 6,341 |
| Net interest margin | 4.5734% | 1,103 |
| Noninterest income to average assets | 0.5640% | 3,688 |
| Noninterest expense to average assets | 3.2169% | 2,866 |
| Loan and lease loss provision to assets | 0.2835% | 4,314 |
| Net operating income to assets | 1.3488% | 1,225 |
| Return on assets (ROA) | 1.3488% | 1,304 |
| Pretax return on assets | 1.3667% | 1,982 |
| Return on Equity (ROE) | 9.3608% | 2,363 |
| Retained earnings to average equity (ytd only) | 3.1479% | 4,230 |
| Net charge-offs to loans | 0.0612% | 5,895 |
| Credit loss provision to net charge-offs | 633.3333% | 466 |
| Earnings coverage of net charge-offs (x) | 36.8655% | 737 |
| Efficiency ratio | 66.0944% | 4,836 |
| Assets per employee ($millions) | 3.3965% | 5,216 |
| Cash dividends to net income (ytd only)* | 66.3719% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 5,311 |
| Loan loss allowance to noncurrent loans | 42.6455% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 3.1389% | 2,297 |
| Noncurrent loans to loans | 2.8983% | 2,756 |
| Net loans and leases to total assets | 72.9295% | 2,029 |
| Net loans and leases to deposits | 85.9798% | 2,350 |
| Net loans and leases to core deposits | 87.0277% | 3,519 |
| Total domestic deposits to total assets | 84.8217% | 3,709 |
| Equity capital to assets | 14.7594% | 953 |
| Core capital (leverage) ratio | 14.5625% | 806 |
| Tier 1 risk-based capital ratio | 23.0144% | 1,071 |
| Total risk-based capital ratio | 24.2681% | 1,033 |
| Memoranda: | ||
| Average total assets | $44,679,250 | 6,789 |
| Average earning assets | $42,038,750 | 6,722 |
| Average equity | $6,438,000 | 6,307 |
| Average total loans | $32,667,250 | 6,356 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4856% | 2,591 |
| Cost of funding earning assets | 0.9443% | 6,404 |
| Net interest margin | 4.5413% | 1,118 |
| Noninterest income to average assets | 0.5663% | 3,575 |
| Noninterest expense to average assets | 3.2327% | 2,793 |
| Loan and lease loss provision to assets | 0.4236% | 3,206 |
| Net operating income to assets | 1.1593% | 1,676 |
| Return on assets (ROA) | 1.1593% | 1,735 |
| Pretax return on assets | 1.1772% | 2,487 |
| Return on Equity (ROE) | 8.1102% | 2,847 |
| Retained earnings to average equity (ytd only) | 1.8716% | 4,933 |
| Net charge-offs to loans | 0.0918% | 5,212 |
| Credit loss provision to net charge-offs | 633.3333% | 578 |
| Earnings coverage of net charge-offs (x) | 23.9333% | 1,093 |
| Efficiency ratio | 66.8819% | 4,795 |
| Assets per employee ($millions) | 3.4491% | 5,045 |
| Cash dividends to net income (ytd only)* | 76.9231% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 5,342 |
| Loan loss allowance to noncurrent loans | 54.9046% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 3.0064% | 2,370 |
| Noncurrent loans to loans | 2.2258% | 3,453 |
| Net loans and leases to total assets | 72.6482% | 2,240 |
| Net loans and leases to deposits | 86.3208% | 2,462 |
| Net loans and leases to core deposits | 87.3555% | 3,641 |
| Total domestic deposits to total assets | 84.1608% | 4,036 |
| Equity capital to assets | 14.3294% | 1,056 |
| Core capital (leverage) ratio | 14.4535% | 828 |
| Tier 1 risk-based capital ratio | 22.2457% | 1,167 |
| Total risk-based capital ratio | 23.4991% | 1,138 |
| Memoranda: | ||
| Average total assets | $44,854,000 | 6,837 |
| Average earning assets | $42,146,670 | 6,773 |
| Average equity | $6,411,670 | 6,336 |
| Average total loans | $32,688,000 | 6,397 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4221% | 2,932 |
| Cost of funding earning assets | 0.9971% | 6,394 |
| Net interest margin | 4.4250% | 1,317 |
| Noninterest income to average assets | 0.5350% | 3,779 |
| Noninterest expense to average assets | 3.0583% | 3,445 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6138% | 729 |
| Return on assets (ROA) | 1.6138% | 778 |
| Pretax return on assets | 1.6317% | 1,194 |
| Return on Equity (ROE) | 11.3037% | 1,690 |
| Retained earnings to average equity (ytd only) | 5.0585% | 3,125 |
| Net charge-offs to loans | -0.0123% | 6,941 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2091% | 5,273 |
| Assets per employee ($millions) | 3.4352% | 5,196 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 6,508 |
| Loan loss allowance to noncurrent loans | 34.2857% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 3.3119% | 2,166 |
| Noncurrent loans to loans | 2.8930% | 2,788 |
| Net loans and leases to total assets | 72.4209% | 2,351 |
| Net loans and leases to deposits | 86.1714% | 2,554 |
| Net loans and leases to core deposits | 86.1714% | 3,867 |
| Total domestic deposits to total assets | 84.0428% | 4,125 |
| Equity capital to assets | 14.4345% | 1,023 |
| Core capital (leverage) ratio | 14.3516% | 885 |
| Tier 1 risk-based capital ratio | 22.3269% | 1,158 |
| Total risk-based capital ratio | 23.4491% | 1,153 |
| Memoranda: | ||
| Average total assets | $44,862,000 | 6,920 |
| Average earning assets | $42,124,000 | 6,854 |
| Average equity | $6,405,000 | 6,379 |
| Average total loans | $32,543,500 | 6,481 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9913% | 1,909 |
| Cost of funding earning assets | 1.2944% | 6,330 |
| Net interest margin | 4.6969% | 840 |
| Noninterest income to average assets | 0.7057% | 2,928 |
| Noninterest expense to average assets | 3.1815% | 3,437 |
| Loan and lease loss provision to assets | 0.3835% | 4,493 |
| Net operating income to assets | 1.5090% | 657 |
| Return on assets (ROA) | 1.5090% | 707 |
| Pretax return on assets | 1.5295% | 1,117 |
| Return on Equity (ROE) | 10.6118% | 1,519 |
| Retained earnings to average equity (ytd only) | 4.2288% | 2,257 |
| Net charge-offs to loans | 0.4716% | 3,895 |
| Credit loss provision to net charge-offs | 110.4575% | 4,982 |
| Earnings coverage of net charge-offs (x) | 5.5098% | 2,577 |
| Efficiency ratio | 62.4499% | 6,066 |
| Assets per employee ($millions) | 3.4667% | 5,085 |
| Cash dividends to net income (ytd only)* | 60.1504% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 6,415 |
| Loan loss allowance to noncurrent loans | 53.1250% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 2.5362% | 2,761 |
| Noncurrent loans to loans | 1.8753% | 3,834 |
| Net loans and leases to total assets | 71.2251% | 2,947 |
| Net loans and leases to deposits | 84.4311% | 3,192 |
| Net loans and leases to core deposits | 91.2655% | 4,981 |
| Total domestic deposits to total assets | 84.3588% | 3,860 |
| Equity capital to assets | 14.1212% | 1,131 |
| Core capital (leverage) ratio | 14.5987% | 860 |
| Tier 1 risk-based capital ratio | 21.7736% | 1,177 |
| Total risk-based capital ratio | 22.8787% | 1,175 |
| Memoranda: | ||
| Average total assets | $44,067,800 | 6,940 |
| Average earning assets | $41,176,200 | 6,901 |
| Average equity | $6,266,600 | 6,511 |
| Average total loans | $32,445,800 | 6,496 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0737% | 1,749 |
| Cost of funding earning assets | 1.3562% | 6,378 |
| Net interest margin | 4.7175% | 806 |
| Noninterest income to average assets | 0.7181% | 2,899 |
| Noninterest expense to average assets | 3.2010% | 3,295 |
| Loan and lease loss provision to assets | 0.1552% | 5,798 |
| Net operating income to assets | 1.7435% | 516 |
| Return on assets (ROA) | 1.7435% | 542 |
| Pretax return on assets | 1.7648% | 863 |
| Return on Equity (ROE) | 12.2389% | 1,299 |
| Retained earnings to average equity (ytd only) | 5.8311% | 2,026 |
| Net charge-offs to loans | 0.1233% | 5,459 |
| Credit loss provision to net charge-offs | 170.0000% | 2,741 |
| Earnings coverage of net charge-offs (x) | 21.0328% | 1,216 |
| Efficiency ratio | 62.5074% | 6,015 |
| Assets per employee ($millions) | 3.4105% | 5,142 |
| Cash dividends to net income (ytd only)* | 52.3561% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 6,386 |
| Loan loss allowance to noncurrent loans | 33.3672% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 2.8554% | 2,435 |
| Noncurrent loans to loans | 2.9484% | 2,576 |
| Net loans and leases to total assets | 74.4570% | 2,393 |
| Net loans and leases to deposits | 88.6157% | 2,850 |
| Net loans and leases to core deposits | 96.2449% | 4,783 |
| Total domestic deposits to total assets | 84.0224% | 3,712 |
| Equity capital to assets | 14.3717% | 1,179 |
| Core capital (leverage) ratio | 14.4624% | 962 |
| Tier 1 risk-based capital ratio | 21.6646% | 1,264 |
| Total risk-based capital ratio | 22.7798% | 1,263 |
| Memoranda: | ||
| Average total assets | $43,818,000 | 7,006 |
| Average earning assets | $40,896,500 | 6,962 |
| Average equity | $6,242,250 | 6,577 |
| Average total loans | $32,451,750 | 6,540 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1682% | 1,565 |
| Cost of funding earning assets | 1.4360% | 6,362 |
| Net interest margin | 4.7323% | 762 |
| Noninterest income to average assets | 0.7332% | 2,800 |
| Noninterest expense to average assets | 3.2673% | 3,091 |
| Loan and lease loss provision to assets | 0.1787% | 5,258 |
| Net operating income to assets | 1.6588% | 607 |
| Return on assets (ROA) | 1.6588% | 665 |
| Pretax return on assets | 1.6818% | 1,049 |
| Return on Equity (ROE) | 11.6793% | 1,511 |
| Retained earnings to average equity (ytd only) | 5.2266% | 2,384 |
| Net charge-offs to loans | 0.1866% | 4,397 |
| Credit loss provision to net charge-offs | 130.0000% | 3,576 |
| Earnings coverage of net charge-offs (x) | 13.5333% | 1,731 |
| Efficiency ratio | 63.7176% | 5,965 |
| Assets per employee ($millions) | 3.3570% | 5,170 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 6,399 |
| Loan loss allowance to noncurrent loans | 34.7635% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 3.1920% | 1,966 |
| Noncurrent loans to loans | 2.8129% | 2,559 |
| Net loans and leases to total assets | 73.3233% | 2,879 |
| Net loans and leases to deposits | 87.2978% | 3,305 |
| Net loans and leases to core deposits | 95.1360% | 4,993 |
| Total domestic deposits to total assets | 83.9921% | 3,779 |
| Equity capital to assets | 14.3466% | 1,210 |
| Core capital (leverage) ratio | 14.4299% | 1,038 |
| Tier 1 risk-based capital ratio | 21.7230% | 1,295 |
| Total risk-based capital ratio | 22.8194% | 1,284 |
| Memoranda: | ||
| Average total assets | $43,645,000 | 7,070 |
| Average earning assets | $40,530,330 | 7,032 |
| Average equity | $6,199,000 | 6,648 |
| Average total loans | $32,155,670 | 6,604 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5258% | 821 |
| Cost of funding earning assets | 1.4822% | 6,462 |
| Net interest margin | 5.0436% | 365 |
| Noninterest income to average assets | 0.7606% | 2,536 |
| Noninterest expense to average assets | 3.1526% | 3,184 |
| Loan and lease loss provision to assets | 0.0458% | 6,403 |
| Net operating income to assets | 2.1811% | 239 |
| Return on assets (ROA) | 2.1811% | 277 |
| Pretax return on assets | 2.2086% | 436 |
| Return on Equity (ROE) | 15.4345% | 900 |
| Retained earnings to average equity (ytd only) | 8.9494% | 1,501 |
| Net charge-offs to loans | 0.0748% | 4,434 |
| Credit loss provision to net charge-offs | 83.3333% | 4,133 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 828 |
| Efficiency ratio | 58.3051% | 6,648 |
| Assets per employee ($millions) | 3.4062% | 5,057 |
| Cash dividends to net income (ytd only)* | 42.0168% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9518% | 6,480 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.8609% | 3,126 |
| Noncurrent loans to loans | 1.4277% | 4,162 |
| Net loans and leases to total assets | 71.9151% | 3,254 |
| Net loans and leases to deposits | 85.9186% | 3,645 |
| Net loans and leases to core deposits | 95.6018% | 5,012 |
| Total domestic deposits to total assets | 83.7014% | 3,842 |
| Equity capital to assets | 14.0854% | 1,338 |
| Core capital (leverage) ratio | 14.3783% | 1,113 |
| Tier 1 risk-based capital ratio | 21.6435% | 1,348 |
| Total risk-based capital ratio | 22.7053% | 1,342 |
| Memoranda: | ||
| Average total assets | $43,647,000 | 7,113 |
| Average earning assets | $40,209,500 | 7,088 |
| Average equity | $6,168,000 | 6,699 |
| Average total loans | $32,076,000 | 6,640 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6397% | 2,294 |
| Cost of funding earning assets | 1.8901% | 6,757 |
| Net interest margin | 4.7496% | 866 |
| Noninterest income to average assets | 0.6710% | 3,316 |
| Noninterest expense to average assets | 3.0698% | 3,822 |
| Loan and lease loss provision to assets | 0.2085% | 4,810 |
| Net operating income to assets | 1.7949% | 559 |
| Return on assets (ROA) | 1.7949% | 536 |
| Pretax return on assets | 1.8189% | 908 |
| Return on Equity (ROE) | 12.3699% | 1,492 |
| Retained earnings to average equity (ytd only) | 4.1123% | 2,573 |
| Net charge-offs to loans | 0.2480% | 3,791 |
| Credit loss provision to net charge-offs | 110.1266% | 4,897 |
| Earnings coverage of net charge-offs (x) | 10.7089% | 2,472 |
| Efficiency ratio | 60.2257% | 6,294 |
| Assets per employee ($millions) | 3.3088% | 5,194 |
| Cash dividends to net income (ytd only)* | 66.7557% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 6,355 |
| Loan loss allowance to noncurrent loans | 31.9792% | 6,598 |
| Noncurrent assets plus other real estate owned to assets | 2.7224% | 1,737 |
| Noncurrent loans to loans | 2.9998% | 1,787 |
| Net loans and leases to total assets | 73.6853% | 3,190 |
| Net loans and leases to deposits | 88.1666% | 3,775 |
| Net loans and leases to core deposits | 97.7456% | 5,064 |
| Total domestic deposits to total assets | 83.5751% | 3,541 |
| Equity capital to assets | 14.1791% | 1,379 |
| Core capital (leverage) ratio | 14.9007% | 1,061 |
| Tier 1 risk-based capital ratio | 21.7023% | 1,353 |
| Total risk-based capital ratio | 22.7947% | 1,347 |
| Memoranda: | ||
| Average total assets | $41,729,200 | 7,142 |
| Average earning assets | $38,887,400 | 7,092 |
| Average equity | $6,055,000 | 6,785 |
| Average total loans | $31,852,000 | 6,612 |