Home > The Port Austin State Bank > Performance and Condition Ratios
The Port Austin State Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5778% | 3,785 |
| Cost of funding earning assets | 0.8345% | 4,152 |
| Net interest margin | 3.7433% | 1,601 |
| Noninterest income to average assets | 0.0700% | 4,316 |
| Noninterest expense to average assets | 1.9003% | 3,788 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.6473% | 716 |
| Return on assets (ROA) | 1.6473% | 710 |
| Pretax return on assets | 1.6473% | 1,056 |
| Return on Equity (ROE) | 10.0200% | 2,147 |
| Retained earnings to average equity (ytd only) | 5.2968% | 2,106 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 53.5655% | 3,760 |
| Assets per employee ($millions) | 9.9199% | 798 |
| Cash dividends to net income (ytd only)* | 47.1429% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7269% | 4,015 |
| 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 | 61.5600% | 2,798 |
| Net loans and leases to deposits | 74.4397% | 2,607 |
| Net loans and leases to core deposits | 78.9130% | 2,845 |
| Total domestic deposits to total assets | 82.6900% | 3,103 |
| Equity capital to assets | 16.4446% | 432 |
| Core capital (leverage) ratio | 16.5671% | 422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $67,989,200 | 4,063 |
| Average earning assets | $63,152,600 | 4,036 |
| Average equity | $11,176,600 | 3,670 |
| Average total loans | $43,375,800 | 3,916 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5019% | 3,833 |
| Cost of funding earning assets | 0.7856% | 4,206 |
| Net interest margin | 3.7163% | 1,610 |
| Noninterest income to average assets | 0.0700% | 4,324 |
| Noninterest expense to average assets | 1.8335% | 3,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.6975% | 696 |
| Return on assets (ROA) | 1.6975% | 697 |
| Pretax return on assets | 1.6975% | 1,021 |
| Return on Equity (ROE) | 10.3300% | 2,097 |
| Retained earnings to average equity (ytd only) | 7.0647% | 1,719 |
| Net charge-offs to loans | 0.0031% | 2,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 861.0000% | 143 |
| Efficiency ratio | 51.9263% | 3,869 |
| Assets per employee ($millions) | 10.0279% | 762 |
| Cash dividends to net income (ytd only)* | 31.5912% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7121% | 4,070 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 61.9800% | 2,738 |
| Net loans and leases to deposits | 75.0980% | 2,603 |
| Net loans and leases to core deposits | 79.0282% | 2,876 |
| Total domestic deposits to total assets | 82.5300% | 2,971 |
| Equity capital to assets | 16.4926% | 457 |
| Core capital (leverage) ratio | 16.4893% | 453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $67,626,750 | 4,081 |
| Average earning assets | $62,964,750 | 4,061 |
| Average equity | $11,116,000 | 3,680 |
| Average total loans | $43,455,500 | 3,927 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3783% | 3,945 |
| Cost of funding earning assets | 0.7168% | 4,243 |
| Net interest margin | 3.6615% | 1,666 |
| Noninterest income to average assets | 0.0800% | 4,310 |
| Noninterest expense to average assets | 1.8721% | 3,812 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.6025% | 792 |
| Return on assets (ROA) | 1.6025% | 794 |
| Pretax return on assets | 1.6025% | 1,121 |
| Return on Equity (ROE) | 9.7600% | 2,252 |
| Retained earnings to average equity (ytd only) | 6.4402% | 1,846 |
| Net charge-offs to loans | 0.0046% | 2,289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 535.0000% | 228 |
| Efficiency ratio | 53.8793% | 3,759 |
| Assets per employee ($millions) | 9.7249% | 789 |
| Cash dividends to net income (ytd only)* | 34.0187% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6986% | 4,114 |
| 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 | 65.1400% | 2,437 |
| Net loans and leases to deposits | 78.7631% | 2,305 |
| Net loans and leases to core deposits | 82.9673% | 2,603 |
| Total domestic deposits to total assets | 82.7100% | 2,929 |
| Equity capital to assets | 16.3660% | 445 |
| Core capital (leverage) ratio | 16.9772% | 394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $66,770,667 | 4,110 |
| Average earning assets | $61,941,667 | 4,086 |
| Average equity | $10,962,333 | 3,682 |
| Average total loans | $43,335,000 | 3,945 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3302% | 3,922 |
| Cost of funding earning assets | 0.6092% | 4,307 |
| Net interest margin | 3.7210% | 1,489 |
| Noninterest income to average assets | 0.0800% | 4,292 |
| Noninterest expense to average assets | 1.8331% | 3,896 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.6818% | 683 |
| Return on assets (ROA) | 1.6818% | 690 |
| Pretax return on assets | 1.6818% | 990 |
| Return on Equity (ROE) | 10.2300% | 2,073 |
| Retained earnings to average equity (ytd only) | 6.8794% | 1,863 |
| Net charge-offs to loans | 0.0187% | 1,479 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 550 |
| Efficiency ratio | 52.1515% | 3,891 |
| Assets per employee ($millions) | 9.3731% | 899 |
| Cash dividends to net income (ytd only)* | 32.7338% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7215% | 4,081 |
| 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 | 65.2200% | 2,346 |
| Net loans and leases to deposits | 79.1345% | 2,133 |
| Net loans and leases to core deposits | 82.4556% | 2,537 |
| Total domestic deposits to total assets | 82.4200% | 3,104 |
| Equity capital to assets | 16.6966% | 407 |
| Core capital (leverage) ratio | 16.8241% | 405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $66,119,000 | 4,137 |
| Average earning assets | $61,059,500 | 4,119 |
| Average equity | $10,873,000 | 3,700 |
| Average total loans | $42,673,500 | 3,971 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7048% | 4,272 |
| Cost of funding earning assets | 0.3239% | 4,360 |
| Net interest margin | 3.3809% | 2,447 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 1.7422% | 4,078 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.3381% | 1,351 |
| Return on assets (ROA) | 1.3381% | 1,323 |
| Pretax return on assets | 1.3381% | 1,768 |
| Return on Equity (ROE) | 8.8400% | 2,798 |
| Retained earnings to average equity (ytd only) | 4.0532% | 2,941 |
| Net charge-offs to loans | 0.2067% | 521 |
| Credit loss provision to net charge-offs | 106.8182% | 1,780 |
| Earnings coverage of net charge-offs (x) | 11.4545% | 2,190 |
| Efficiency ratio | 54.1401% | 3,668 |
| Assets per employee ($millions) | 9.5180% | 827 |
| Cash dividends to net income (ytd only)* | 54.1575% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7409% | 4,068 |
| 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 | 62.9300% | 2,582 |
| Net loans and leases to deposits | 75.8767% | 2,464 |
| Net loans and leases to core deposits | 78.2193% | 2,822 |
| Total domestic deposits to total assets | 82.9400% | 2,905 |
| Equity capital to assets | 16.1964% | 447 |
| Core capital (leverage) ratio | 16.1795% | 469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $68,303,800 | 4,131 |
| Average earning assets | $63,593,200 | 4,103 |
| Average equity | $10,337,400 | 3,684 |
| Average total loans | $42,570,600 | 3,956 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5585% | 4,340 |
| Cost of funding earning assets | 0.2708% | 4,388 |
| Net interest margin | 3.2876% | 2,714 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 1.6762% | 4,159 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.4260% | 1,266 |
| Return on assets (ROA) | 1.4260% | 1,245 |
| Pretax return on assets | 1.4260% | 1,722 |
| Return on Equity (ROE) | 9.5900% | 2,771 |
| Retained earnings to average equity (ytd only) | 6.0379% | 2,621 |
| Net charge-offs to loans | 0.0469% | 1,219 |
| Credit loss provision to net charge-offs | 113.3333% | 1,528 |
| Earnings coverage of net charge-offs (x) | 50.1333% | 1,315 |
| Efficiency ratio | 53.4653% | 3,631 |
| Assets per employee ($millions) | 9.5973% | 771 |
| Cash dividends to net income (ytd only)* | 37.0068% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7157% | 4,109 |
| 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 | 63.8000% | 2,468 |
| Net loans and leases to deposits | 76.6273% | 2,366 |
| Net loans and leases to core deposits | 78.2700% | 2,726 |
| Total domestic deposits to total assets | 83.2600% | 2,968 |
| Equity capital to assets | 15.7917% | 461 |
| Core capital (leverage) ratio | 16.0559% | 486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $68,723,250 | 4,139 |
| Average earning assets | $63,995,750 | 4,119 |
| Average equity | $10,224,000 | 3,699 |
| Average total loans | $42,652,250 | 3,966 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4328% | 4,404 |
| Cost of funding earning assets | 0.2276% | 4,397 |
| Net interest margin | 3.2052% | 2,982 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 1.6725% | 4,183 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.3403% | 1,473 |
| Return on assets (ROA) | 1.3403% | 1,457 |
| Pretax return on assets | 1.3403% | 1,960 |
| Return on Equity (ROE) | 9.1900% | 2,930 |
| Retained earnings to average equity (ytd only) | 5.5866% | 2,756 |
| Net charge-offs to loans | 0.0706% | 855 |
| Credit loss provision to net charge-offs | 73.3333% | 1,578 |
| Earnings coverage of net charge-offs (x) | 31.6667% | 1,522 |
| Efficiency ratio | 54.9336% | 3,539 |
| Assets per employee ($millions) | 9.8203% | 701 |
| Cash dividends to net income (ytd only)* | 39.2241% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7038% | 4,174 |
| 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 | 62.1900% | 2,562 |
| Net loans and leases to deposits | 73.9637% | 2,498 |
| Net loans and leases to core deposits | 75.4931% | 2,793 |
| Total domestic deposits to total assets | 84.0800% | 2,803 |
| Equity capital to assets | 15.0316% | 523 |
| Core capital (leverage) ratio | 15.8577% | 487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $69,237,333 | 4,155 |
| Average earning assets | $64,146,333 | 4,136 |
| Average equity | $10,095,667 | 3,734 |
| Average total loans | $42,479,000 | 3,982 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3399% | 4,416 |
| Cost of funding earning assets | 0.1722% | 4,417 |
| Net interest margin | 3.1677% | 3,193 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 1.6349% | 4,261 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.3643% | 1,503 |
| Return on assets (ROA) | 1.3643% | 1,471 |
| Pretax return on assets | 1.3643% | 1,976 |
| Return on Equity (ROE) | 9.5000% | 2,920 |
| Retained earnings to average equity (ytd only) | 5.8535% | 2,808 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.7879% | 3,622 |
| Assets per employee ($millions) | 9.7213% | 756 |
| Cash dividends to net income (ytd only)* | 38.3966% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 4,174 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 60.9300% | 2,562 |
| Net loans and leases to deposits | 72.3554% | 2,439 |
| Net loans and leases to core deposits | 73.8608% | 2,684 |
| Total domestic deposits to total assets | 84.2100% | 3,053 |
| Equity capital to assets | 14.9525% | 488 |
| Core capital (leverage) ratio | 15.2182% | 552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $69,485,000 | 4,204 |
| Average earning assets | $65,031,500 | 4,185 |
| Average equity | $9,977,000 | 3,788 |
| Average total loans | $42,191,500 | 4,032 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8850% | 4,252 |
| Cost of funding earning assets | 0.1626% | 4,044 |
| Net interest margin | 2.7224% | 4,027 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 1.5926% | 4,315 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.0018% | 2,559 |
| Return on assets (ROA) | 1.0018% | 2,505 |
| Pretax return on assets | 1.0018% | 3,069 |
| Return on Equity (ROE) | 7.2800% | 3,568 |
| Retained earnings to average equity (ytd only) | 2.6339% | 3,814 |
| Net charge-offs to loans | -0.0024% | 3,483 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.8995% | 2,926 |
| Assets per employee ($millions) | 7.8801% | 1,386 |
| Cash dividends to net income (ytd only)* | 63.8122% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7206% | 4,179 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 59.6400% | 2,672 |
| Net loans and leases to deposits | 69.8505% | 2,594 |
| Net loans and leases to core deposits | 71.2219% | 2,780 |
| Total domestic deposits to total assets | 85.3800% | 2,888 |
| Equity capital to assets | 13.7886% | 595 |
| Core capital (leverage) ratio | 14.6768% | 611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $72,273,200 | 4,213 |
| Average earning assets | $67,036,600 | 4,188 |
| Average equity | $9,947,400 | 3,876 |
| Average total loans | $41,088,200 | 4,050 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7800% | 4,212 |
| Cost of funding earning assets | 0.1647% | 3,685 |
| Net interest margin | 2.6153% | 4,075 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.5277% | 4,387 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.9732% | 2,578 |
| Return on assets (ROA) | 0.9732% | 2,546 |
| Pretax return on assets | 0.9732% | 3,099 |
| Return on Equity (ROE) | 7.0700% | 3,577 |
| Retained earnings to average equity (ytd only) | 3.4435% | 3,649 |
| Net charge-offs to loans | -0.0033% | 3,376 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.8187% | 3,011 |
| Assets per employee ($millions) | 9.0883% | 867 |
| Cash dividends to net income (ytd only)* | 51.3208% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7144% | 4,228 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 56.9600% | 2,802 |
| Net loans and leases to deposits | 66.7607% | 2,651 |
| Net loans and leases to core deposits | 68.4014% | 2,764 |
| Total domestic deposits to total assets | 85.3200% | 3,211 |
| Equity capital to assets | 13.7953% | 585 |
| Core capital (leverage) ratio | 14.3353% | 631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $72,611,250 | 4,238 |
| Average earning assets | $67,193,500 | 4,217 |
| Average equity | $9,989,500 | 3,916 |
| Average total loans | $40,709,000 | 4,074 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6839% | 4,162 |
| Cost of funding earning assets | 0.1707% | 3,305 |
| Net interest margin | 2.5131% | 4,070 |
| Noninterest income to average assets | 0.0964% | 4,495 |
| Noninterest expense to average assets | 1.5514% | 4,354 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8570% | 2,746 |
| Return on assets (ROA) | 0.8570% | 2,722 |
| Pretax return on assets | 0.8570% | 3,184 |
| Return on Equity (ROE) | 6.2350% | 3,519 |
| Retained earnings to average equity (ytd only) | 2.5862% | 3,587 |
| Net charge-offs to loans | -0.0050% | 3,339 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4165% | 2,713 |
| Assets per employee ($millions) | 9.0339% | 871 |
| Cash dividends to net income (ytd only)* | 58.5209% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6975% | 4,337 |
| 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 | 57.5196% | 2,580 |
| Net loans and leases to deposits | 67.3220% | 2,441 |
| Net loans and leases to core deposits | 68.9787% | 2,570 |
| Total domestic deposits to total assets | 85.4395% | 3,384 |
| Equity capital to assets | 13.7150% | 558 |
| Core capital (leverage) ratio | 14.5477% | 534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,579,667 | 4,288 |
| Average earning assets | $66,769,000 | 4,281 |
| Average equity | $9,976,000 | 3,990 |
| Average total loans | $40,374,333 | 4,130 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6054% | 4,112 |
| Cost of funding earning assets | 0.1729% | 3,185 |
| Net interest margin | 2.4325% | 4,014 |
| Noninterest income to average assets | 0.0770% | 4,585 |
| Noninterest expense to average assets | 1.5069% | 4,415 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8139% | 2,621 |
| Return on assets (ROA) | 0.8139% | 2,611 |
| Pretax return on assets | 0.8139% | 3,067 |
| Return on Equity (ROE) | 5.9153% | 3,364 |
| Retained earnings to average equity (ytd only) | 2.2782% | 3,470 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9289% | 2,919 |
| Assets per employee ($millions) | 9.0278% | 900 |
| Cash dividends to net income (ytd only)* | 61.4865% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7290% | 4,343 |
| Loan loss allowance to noncurrent loans | 9,700.0000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 4,052 |
| Noncurrent loans to loans | 0.0075% | 3,969 |
| Net loans and leases to total assets | 54.8683% | 2,646 |
| Net loans and leases to deposits | 64.1245% | 2,517 |
| Net loans and leases to core deposits | 65.4246% | 2,678 |
| Total domestic deposits to total assets | 85.5653% | 3,398 |
| Equity capital to assets | 13.6330% | 579 |
| Core capital (leverage) ratio | 14.0429% | 575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,734,000 | 4,311 |
| Average earning assets | $67,091,500 | 4,302 |
| Average equity | $10,008,000 | 4,052 |
| Average total loans | $39,630,500 | 4,162 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9323% | 3,999 |
| Cost of funding earning assets | 0.2021% | 3,442 |
| Net interest margin | 2.7302% | 3,816 |
| Noninterest income to average assets | 0.1150% | 4,547 |
| Noninterest expense to average assets | 1.5981% | 4,427 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0538% | 2,469 |
| Return on assets (ROA) | 1.0538% | 2,541 |
| Pretax return on assets | 1.0538% | 3,119 |
| Return on Equity (ROE) | 7.1364% | 3,477 |
| Retained earnings to average equity (ytd only) | 2.5825% | 3,802 |
| Net charge-offs to loans | 0.0262% | 1,718 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 72.4000% | 1,056 |
| Efficiency ratio | 60.2634% | 3,109 |
| Assets per employee ($millions) | 10.4637% | 586 |
| Cash dividends to net income (ytd only)* | 63.8122% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7396% | 4,366 |
| 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 | 53.3162% | 2,933 |
| Net loans and leases to deposits | 62.4812% | 2,837 |
| Net loans and leases to core deposits | 63.7303% | 3,003 |
| Total domestic deposits to total assets | 85.3316% | 3,161 |
| Equity capital to assets | 13.8847% | 685 |
| Core capital (leverage) ratio | 14.1835% | 589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,705,200 | 4,351 |
| Average earning assets | $63,841,000 | 4,337 |
| Average equity | $10,145,200 | 4,110 |
| Average total loans | $38,133,000 | 4,229 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0601% | 3,887 |
| Cost of funding earning assets | 0.2101% | 3,515 |
| Net interest margin | 2.8500% | 3,657 |
| Noninterest income to average assets | 0.1302% | 4,546 |
| Noninterest expense to average assets | 1.6259% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1543% | 2,347 |
| Return on assets (ROA) | 1.1543% | 2,406 |
| Pretax return on assets | 1.1543% | 3,065 |
| Return on Equity (ROE) | 7.6929% | 3,478 |
| Retained earnings to average equity (ytd only) | 4.1160% | 3,540 |
| Net charge-offs to loans | 0.0317% | 1,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 1,097 |
| Efficiency ratio | 58.4812% | 3,195 |
| Assets per employee ($millions) | 10.3009% | 591 |
| Cash dividends to net income (ytd only)* | 46.4957% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7495% | 4,422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 53.6238% | 3,013 |
| Net loans and leases to deposits | 63.2035% | 2,936 |
| Net loans and leases to core deposits | 64.4906% | 3,086 |
| Total domestic deposits to total assets | 84.8431% | 3,168 |
| Equity capital to assets | 14.2554% | 682 |
| Core capital (leverage) ratio | 14.5313% | 553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,570,000 | 4,420 |
| Average earning assets | $62,828,000 | 4,408 |
| Average equity | $10,139,000 | 4,169 |
| Average total loans | $37,830,500 | 4,291 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2300% | 3,616 |
| Cost of funding earning assets | 0.2207% | 3,555 |
| Net interest margin | 3.0093% | 3,296 |
| Noninterest income to average assets | 0.0848% | 4,746 |
| Noninterest expense to average assets | 1.6168% | 4,489 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2746% | 1,933 |
| Return on assets (ROA) | 1.2746% | 2,010 |
| Pretax return on assets | 1.2746% | 2,696 |
| Return on Equity (ROE) | 8.3430% | 3,304 |
| Retained earnings to average equity (ytd only) | 4.7561% | 3,278 |
| Net charge-offs to loans | 0.0854% | 826 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 26.3125% | 1,388 |
| Efficiency ratio | 55.9162% | 3,551 |
| Assets per employee ($millions) | 9.6443% | 684 |
| Cash dividends to net income (ytd only)* | 42.9929% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7437% | 4,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 3,760 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 56.3428% | 2,860 |
| Net loans and leases to deposits | 67.0870% | 2,707 |
| Net loans and leases to core deposits | 68.5586% | 2,907 |
| Total domestic deposits to total assets | 83.9846% | 3,446 |
| Equity capital to assets | 15.0896% | 514 |
| Core capital (leverage) ratio | 15.0964% | 460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,058,000 | 4,465 |
| Average earning assets | $61,610,000 | 4,454 |
| Average equity | $10,092,333 | 4,189 |
| Average total loans | $37,454,667 | 4,329 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3250% | 3,395 |
| Cost of funding earning assets | 0.2239% | 3,691 |
| Net interest margin | 3.1012% | 2,985 |
| Noninterest income to average assets | 0.0673% | 4,804 |
| Noninterest expense to average assets | 1.7327% | 4,318 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2184% | 2,074 |
| Return on assets (ROA) | 1.2184% | 2,161 |
| Pretax return on assets | 1.2184% | 2,797 |
| Return on Equity (ROE) | 7.9243% | 3,349 |
| Retained earnings to average equity (ytd only) | 4.3006% | 3,417 |
| Net charge-offs to loans | -0.0756% | 4,545 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7137% | 3,197 |
| Assets per employee ($millions) | 9.3789% | 728 |
| Cash dividends to net income (ytd only)* | 45.7286% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8237% | 4,355 |
| Loan loss allowance to noncurrent loans | 324.2105% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 3,447 |
| Noncurrent loans to loans | 0.2541% | 3,194 |
| Net loans and leases to total assets | 56.4888% | 2,978 |
| Net loans and leases to deposits | 67.4671% | 2,755 |
| Net loans and leases to core deposits | 68.9895% | 2,968 |
| Total domestic deposits to total assets | 83.7278% | 3,515 |
| Equity capital to assets | 15.3689% | 458 |
| Core capital (leverage) ratio | 15.5717% | 413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,332,000 | 4,491 |
| Average earning assets | $60,751,500 | 4,480 |
| Average equity | $10,045,000 | 4,212 |
| Average total loans | $37,021,000 | 4,352 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6236% | 3,750 |
| Cost of funding earning assets | 0.2934% | 4,184 |
| Net interest margin | 3.3302% | 2,981 |
| Noninterest income to average assets | 0.1049% | 4,729 |
| Noninterest expense to average assets | 1.8407% | 4,404 |
| Loan and lease loss provision to assets | -0.0206% | 4,914 |
| Net operating income to assets | 1.3504% | 1,126 |
| Return on assets (ROA) | 1.3504% | 1,222 |
| Pretax return on assets | 1.3504% | 1,818 |
| Return on Equity (ROE) | 7.9553% | 2,838 |
| Retained earnings to average equity (ytd only) | 3.2733% | 3,191 |
| Net charge-offs to loans | -0.0637% | 4,720 |
| Credit loss provision to net charge-offs | 50.0000% | 3,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0575% | 3,717 |
| Assets per employee ($millions) | 8.1265% | 991 |
| Cash dividends to net income (ytd only)* | 58.8535% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 4,380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 55.9081% | 3,312 |
| Net loans and leases to deposits | 66.7800% | 3,204 |
| Net loans and leases to core deposits | 68.2983% | 3,389 |
| Total domestic deposits to total assets | 83.7199% | 3,196 |
| Equity capital to assets | 15.3818% | 505 |
| Core capital (leverage) ratio | 16.0043% | 387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,129,400 | 4,539 |
| Average earning assets | $53,510,200 | 4,532 |
| Average equity | $9,867,600 | 4,210 |
| Average total loans | $37,657,200 | 4,362 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8311% | 3,469 |
| Cost of funding earning assets | 0.3156% | 4,240 |
| Net interest margin | 3.5154% | 2,541 |
| Noninterest income to average assets | 0.1111% | 4,720 |
| Noninterest expense to average assets | 1.9122% | 4,309 |
| Loan and lease loss provision to assets | 0.0656% | 3,518 |
| Net operating income to assets | 1.3709% | 1,176 |
| Return on assets (ROA) | 1.3709% | 1,273 |
| Pretax return on assets | 1.3709% | 1,821 |
| Return on Equity (ROE) | 7.8633% | 2,858 |
| Retained earnings to average equity (ytd only) | 4.1757% | 2,957 |
| Net charge-offs to loans | -0.0598% | 4,712 |
| Credit loss provision to net charge-offs | -164.7059% | 3,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0924% | 3,785 |
| Assets per employee ($millions) | 7.6669% | 1,134 |
| Cash dividends to net income (ytd only)* | 46.8966% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9039% | 4,058 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 59.6984% | 3,260 |
| Net loans and leases to deposits | 72.2565% | 3,111 |
| Net loans and leases to core deposits | 74.0181% | 3,322 |
| Total domestic deposits to total assets | 82.6200% | 3,246 |
| Equity capital to assets | 16.3088% | 432 |
| Core capital (leverage) ratio | 16.9312% | 341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,408,750 | 4,578 |
| Average earning assets | $51,960,000 | 4,577 |
| Average equity | $9,834,500 | 4,225 |
| Average total loans | $37,909,500 | 4,375 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8941% | 3,638 |
| Cost of funding earning assets | 0.3229% | 4,386 |
| Net interest margin | 3.5712% | 2,573 |
| Noninterest income to average assets | 0.1132% | 4,727 |
| Noninterest expense to average assets | 1.9537% | 4,323 |
| Loan and lease loss provision to assets | 0.1023% | 2,986 |
| Net operating income to assets | 1.3694% | 1,181 |
| Return on assets (ROA) | 1.3694% | 1,275 |
| Pretax return on assets | 1.3694% | 1,803 |
| Return on Equity (ROE) | 7.6700% | 2,873 |
| Retained earnings to average equity (ytd only) | 3.9475% | 2,939 |
| Net charge-offs to loans | -0.0523% | 4,692 |
| Credit loss provision to net charge-offs | -280.0000% | 3,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0362% | 3,815 |
| Assets per employee ($millions) | 7.1675% | 1,352 |
| Cash dividends to net income (ytd only)* | 48.5333% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8668% | 4,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 65.2250% | 2,734 |
| Net loans and leases to deposits | 79.9214% | 2,433 |
| Net loans and leases to core deposits | 82.4879% | 2,735 |
| Total domestic deposits to total assets | 81.6114% | 3,469 |
| Equity capital to assets | 17.2811% | 351 |
| Core capital (leverage) ratio | 17.5000% | 318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,766,667 | 4,618 |
| Average earning assets | $50,794,667 | 4,607 |
| Average equity | $9,778,333 | 4,242 |
| Average total loans | $38,229,333 | 4,382 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1435% | 3,394 |
| Cost of funding earning assets | 0.3386% | 4,553 |
| Net interest margin | 3.8049% | 1,950 |
| Noninterest income to average assets | 0.0972% | 4,835 |
| Noninterest expense to average assets | 2.0942% | 4,228 |
| Loan and lease loss provision to assets | 0.1122% | 2,279 |
| Net operating income to assets | 1.4211% | 941 |
| Return on assets (ROA) | 1.4211% | 1,013 |
| Pretax return on assets | 1.4211% | 1,504 |
| Return on Equity (ROE) | 7.8246% | 2,587 |
| Retained earnings to average equity (ytd only) | 4.0770% | 2,651 |
| Net charge-offs to loans | -0.0312% | 4,484 |
| Credit loss provision to net charge-offs | -500.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7320% | 4,036 |
| Assets per employee ($millions) | 6.7926% | 1,183 |
| Cash dividends to net income (ytd only)* | 47.8947% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8131% | 4,379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 3,908 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 68.9148% | 2,405 |
| Net loans and leases to deposits | 85.1597% | 2,096 |
| Net loans and leases to core deposits | 88.0635% | 2,517 |
| Total domestic deposits to total assets | 80.9242% | 3,684 |
| Equity capital to assets | 17.9662% | 359 |
| Core capital (leverage) ratio | 18.4978% | 311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,480,000 | 4,655 |
| Average earning assets | $49,620,000 | 4,644 |
| Average equity | $9,713,000 | 4,270 |
| Average total loans | $38,480,500 | 4,404 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2926% | 3,555 |
| Cost of funding earning assets | 0.3201% | 4,684 |
| Net interest margin | 3.9724% | 1,932 |
| Noninterest income to average assets | 0.0211% | 5,094 |
| Noninterest expense to average assets | 2.1744% | 4,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5142% | 1,018 |
| Return on assets (ROA) | 1.5142% | 1,081 |
| Pretax return on assets | 1.5142% | 1,763 |
| Return on Equity (ROE) | 8.3079% | 3,038 |
| Retained earnings to average equity (ytd only) | 3.4432% | 3,285 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9490% | 3,844 |
| Assets per employee ($millions) | 6.5774% | 1,242 |
| Cash dividends to net income (ytd only)* | 58.5551% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7372% | 4,490 |
| Loan loss allowance to noncurrent loans | 135.6808% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.5568% | 2,220 |
| Noncurrent loans to loans | 0.5433% | 2,542 |
| Net loans and leases to total assets | 73.9581% | 1,762 |
| Net loans and leases to deposits | 91.8480% | 1,384 |
| Net loans and leases to core deposits | 95.0910% | 1,981 |
| Total domestic deposits to total assets | 80.5222% | 3,872 |
| Equity capital to assets | 18.3641% | 339 |
| Core capital (leverage) ratio | 18.3772% | 313 |
| Tier 1 risk-based capital ratio | 29.1527% | 506 |
| Total risk-based capital ratio | 30.0263% | 515 |
| Memoranda: | ||
| Average total assets | $52,106,600 | 4,717 |
| Average earning assets | $48,106,600 | 4,709 |
| Average equity | $9,497,000 | 4,304 |
| Average total loans | $40,027,000 | 4,398 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3417% | 3,541 |
| Cost of funding earning assets | 0.3147% | 4,764 |
| Net interest margin | 4.0270% | 1,843 |
| Noninterest income to average assets | 0.0154% | 5,182 |
| Noninterest expense to average assets | 2.2060% | 4,167 |
| Loan and lease loss provision to assets | 0.0128% | 3,646 |
| Net operating income to assets | 1.5057% | 1,172 |
| Return on assets (ROA) | 1.5057% | 1,228 |
| Pretax return on assets | 1.5057% | 1,937 |
| Return on Equity (ROE) | 8.2772% | 3,204 |
| Retained earnings to average equity (ytd only) | 4.4418% | 3,171 |
| Net charge-offs to loans | 0.0033% | 3,295 |
| Credit loss provision to net charge-offs | 500.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 593.4662% | 167 |
| Efficiency ratio | 59.2287% | 3,777 |
| Assets per employee ($millions) | 6.5525% | 1,240 |
| Cash dividends to net income (ytd only)* | 46.3374% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7408% | 4,571 |
| Loan loss allowance to noncurrent loans | 287.2549% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 3,035 |
| Noncurrent loans to loans | 0.2579% | 3,619 |
| Net loans and leases to total assets | 74.8970% | 1,665 |
| Net loans and leases to deposits | 93.5766% | 1,261 |
| Net loans and leases to core deposits | 95.7165% | 2,027 |
| Total domestic deposits to total assets | 80.0382% | 3,985 |
| Equity capital to assets | 18.4128% | 359 |
| Core capital (leverage) ratio | 18.3257% | 327 |
| Tier 1 risk-based capital ratio | 29.2748% | 506 |
| Total risk-based capital ratio | 30.1653% | 510 |
| Memoranda: | ||
| Average total assets | $51,978,500 | 4,787 |
| Average earning assets | $47,875,500 | 4,776 |
| Average equity | $9,455,500 | 4,360 |
| Average total loans | $40,232,500 | 4,456 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2894% | 3,663 |
| Cost of funding earning assets | 0.3094% | 4,807 |
| Net interest margin | 3.9801% | 1,984 |
| Noninterest income to average assets | 0.1003% | 5,038 |
| Noninterest expense to average assets | 2.1879% | 4,250 |
| Loan and lease loss provision to assets | 0.1158% | 1,621 |
| Net operating income to assets | 1.4702% | 1,231 |
| Return on assets (ROA) | 1.4702% | 1,285 |
| Pretax return on assets | 1.4702% | 1,950 |
| Return on Equity (ROE) | 8.1150% | 3,239 |
| Retained earnings to average equity (ytd only) | 4.2386% | 3,131 |
| Net charge-offs to loans | -0.0099% | 4,322 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9755% | 4,017 |
| Assets per employee ($millions) | 6.3964% | 1,286 |
| Cash dividends to net income (ytd only)* | 47.7690% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7887% | 4,478 |
| Loan loss allowance to noncurrent loans | 314.7059% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.4495% | 2,721 |
| Noncurrent loans to loans | 0.2506% | 3,636 |
| Net loans and leases to total assets | 78.9119% | 1,055 |
| Net loans and leases to deposits | 98.7045% | 775 |
| Net loans and leases to core deposits | 101.0106% | 1,630 |
| Total domestic deposits to total assets | 79.9476% | 4,050 |
| Equity capital to assets | 18.5476% | 326 |
| Core capital (leverage) ratio | 18.6453% | 299 |
| Tier 1 risk-based capital ratio | 28.6041% | 535 |
| Total risk-based capital ratio | 29.5690% | 537 |
| Memoranda: | ||
| Average total assets | $51,831,330 | 4,824 |
| Average earning assets | $47,838,330 | 4,812 |
| Average equity | $9,390,000 | 4,383 |
| Average total loans | $40,458,670 | 4,486 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2283% | 3,783 |
| Cost of funding earning assets | 0.2985% | 4,855 |
| Net interest margin | 3.9299% | 2,093 |
| Noninterest income to average assets | 0.0844% | 5,134 |
| Noninterest expense to average assets | 2.2239% | 4,205 |
| Loan and lease loss provision to assets | 0.1150% | 1,531 |
| Net operating income to assets | 1.3803% | 1,432 |
| Return on assets (ROA) | 1.3803% | 1,468 |
| Pretax return on assets | 1.3803% | 2,157 |
| Return on Equity (ROE) | 7.7092% | 3,371 |
| Retained earnings to average equity (ytd only) | 3.8118% | 3,397 |
| Net charge-offs to loans | -0.0099% | 4,226 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7938% | 3,840 |
| Assets per employee ($millions) | 6.4240% | 1,271 |
| Cash dividends to net income (ytd only)* | 50.5556% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7606% | 4,631 |
| Loan loss allowance to noncurrent loans | 132.6087% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 2,807 |
| Noncurrent loans to loans | 0.5736% | 2,611 |
| Net loans and leases to total assets | 77.4362% | 1,247 |
| Net loans and leases to deposits | 96.3980% | 928 |
| Net loans and leases to core deposits | 98.6221% | 1,732 |
| Total domestic deposits to total assets | 80.3296% | 4,112 |
| Equity capital to assets | 18.2577% | 327 |
| Core capital (leverage) ratio | 18.1657% | 330 |
| Tier 1 risk-based capital ratio | 28.5957% | 530 |
| Total risk-based capital ratio | 29.5230% | 535 |
| Memoranda: | ||
| Average total assets | $52,161,500 | 4,871 |
| Average earning assets | $48,246,000 | 4,854 |
| Average equity | $9,339,500 | 4,418 |
| Average total loans | $40,337,500 | 4,528 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1281% | 3,655 |
| Cost of funding earning assets | 0.2895% | 4,621 |
| Net interest margin | 3.8386% | 2,540 |
| Noninterest income to average assets | 0.0972% | 5,161 |
| Noninterest expense to average assets | 2.1365% | 4,482 |
| Loan and lease loss provision to assets | 0.1069% | 2,058 |
| Net operating income to assets | 1.4113% | 1,389 |
| Return on assets (ROA) | 1.4113% | 1,379 |
| Pretax return on assets | 1.4113% | 2,093 |
| Return on Equity (ROE) | 7.9190% | 3,478 |
| Retained earnings to average equity (ytd only) | 3.2396% | 3,782 |
| Net charge-offs to loans | 0.1080% | 1,665 |
| Credit loss provision to net charge-offs | 127.9070% | 2,061 |
| Earnings coverage of net charge-offs (x) | 18.1628% | 2,154 |
| Efficiency ratio | 58.4574% | 4,088 |
| Assets per employee ($millions) | 6.6164% | 1,159 |
| Cash dividends to net income (ytd only)* | 59.0909% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7123% | 4,780 |
| Loan loss allowance to noncurrent loans | 119.9170% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.4553% | 2,744 |
| Noncurrent loans to loans | 0.5940% | 2,505 |
| Net loans and leases to total assets | 76.1085% | 1,593 |
| Net loans and leases to deposits | 93.8847% | 1,299 |
| Net loans and leases to core deposits | 95.9601% | 2,066 |
| Total domestic deposits to total assets | 81.0659% | 3,873 |
| Equity capital to assets | 17.5625% | 375 |
| Core capital (leverage) ratio | 17.9180% | 335 |
| Tier 1 risk-based capital ratio | 27.7283% | 583 |
| Total risk-based capital ratio | 28.5884% | 589 |
| Memoranda: | ||
| Average total assets | $51,440,200 | 4,908 |
| Average earning assets | $47,673,400 | 4,903 |
| Average equity | $9,167,800 | 4,442 |
| Average total loans | $39,816,800 | 4,555 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0901% | 3,670 |
| Cost of funding earning assets | 0.2958% | 4,551 |
| Net interest margin | 3.7943% | 2,670 |
| Noninterest income to average assets | 0.0914% | 5,239 |
| Noninterest expense to average assets | 2.1226% | 4,497 |
| Loan and lease loss provision to assets | 0.1175% | 1,727 |
| Net operating income to assets | 1.3681% | 1,595 |
| Return on assets (ROA) | 1.3681% | 1,597 |
| Pretax return on assets | 1.3681% | 2,348 |
| Return on Equity (ROE) | 7.6474% | 3,686 |
| Retained earnings to average equity (ytd only) | 4.0280% | 3,756 |
| Net charge-offs to loans | 0.1413% | 1,155 |
| Credit loss provision to net charge-offs | 107.1429% | 2,150 |
| Earnings coverage of net charge-offs (x) | 13.5473% | 2,350 |
| Efficiency ratio | 58.8278% | 3,988 |
| Assets per employee ($millions) | 6.4201% | 1,227 |
| Cash dividends to net income (ytd only)* | 47.3284% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6879% | 4,896 |
| Loan loss allowance to noncurrent loans | 144.3299% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 3,178 |
| Noncurrent loans to loans | 0.4766% | 2,958 |
| Net loans and leases to total assets | 78.7037% | 1,215 |
| Net loans and leases to deposits | 97.9121% | 954 |
| Net loans and leases to core deposits | 100.1536% | 1,780 |
| Total domestic deposits to total assets | 80.3820% | 4,023 |
| Equity capital to assets | 18.0838% | 329 |
| Core capital (leverage) ratio | 17.7798% | 347 |
| Tier 1 risk-based capital ratio | 27.6108% | 590 |
| Total risk-based capital ratio | 28.4424% | 607 |
| Memoranda: | ||
| Average total assets | $51,067,500 | 4,971 |
| Average earning assets | $47,332,500 | 4,963 |
| Average equity | $9,135,750 | 4,487 |
| Average total loans | $39,627,500 | 4,607 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9982% | 3,791 |
| Cost of funding earning assets | 0.2922% | 4,470 |
| Net interest margin | 3.7060% | 2,901 |
| Noninterest income to average assets | 0.0667% | 5,361 |
| Noninterest expense to average assets | 2.0875% | 4,636 |
| Loan and lease loss provision to assets | 0.1177% | 1,681 |
| Net operating income to assets | 1.2949% | 1,793 |
| Return on assets (ROA) | 1.2949% | 1,783 |
| Pretax return on assets | 1.2949% | 2,534 |
| Return on Equity (ROE) | 7.2647% | 3,811 |
| Retained earnings to average equity (ytd only) | 3.6324% | 3,780 |
| Net charge-offs to loans | 0.2088% | 757 |
| Credit loss provision to net charge-offs | 73.1707% | 2,322 |
| Earnings coverage of net charge-offs (x) | 8.7805% | 2,444 |
| Efficiency ratio | 59.6413% | 3,984 |
| Assets per employee ($millions) | 6.3680% | 1,229 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6632% | 5,007 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 78.2094% | 1,277 |
| Net loans and leases to deposits | 96.9628% | 1,044 |
| Net loans and leases to core deposits | 99.1860% | 1,798 |
| Total domestic deposits to total assets | 80.6592% | 4,088 |
| Equity capital to assets | 18.0100% | 324 |
| Core capital (leverage) ratio | 17.9869% | 315 |
| Tier 1 risk-based capital ratio | 27.7501% | 572 |
| Total risk-based capital ratio | 28.5537% | 587 |
| Memoranda: | ||
| Average total assets | $50,969,670 | 5,030 |
| Average earning assets | $47,221,000 | 5,020 |
| Average equity | $9,085,000 | 4,528 |
| Average total loans | $39,269,000 | 4,665 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8498% | 4,081 |
| Cost of funding earning assets | 0.2968% | 4,375 |
| Net interest margin | 3.5530% | 3,331 |
| Noninterest income to average assets | 0.1334% | 5,198 |
| Noninterest expense to average assets | 2.1262% | 4,595 |
| Loan and lease loss provision to assets | 0.1177% | 1,605 |
| Net operating income to assets | 1.1769% | 2,105 |
| Return on assets (ROA) | 1.1769% | 2,114 |
| Pretax return on assets | 1.1769% | 2,855 |
| Return on Equity (ROE) | 6.6372% | 3,932 |
| Retained earnings to average equity (ytd only) | 2.9646% | 4,012 |
| Net charge-offs to loans | 0.0103% | 2,380 |
| Credit loss provision to net charge-offs | 1,500.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 392 |
| Efficiency ratio | 62.1560% | 3,752 |
| Assets per employee ($millions) | 6.3439% | 1,285 |
| Cash dividends to net income (ytd only)* | 55.3333% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7538% | 4,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 3,882 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 75.4882% | 1,623 |
| Net loans and leases to deposits | 93.4164% | 1,290 |
| Net loans and leases to core deposits | 95.5530% | 2,012 |
| Total domestic deposits to total assets | 80.8083% | 4,244 |
| Equity capital to assets | 17.8834% | 325 |
| Core capital (leverage) ratio | 17.5638% | 339 |
| Tier 1 risk-based capital ratio | 27.9514% | 563 |
| Total risk-based capital ratio | 28.8465% | 573 |
| Memoranda: | ||
| Average total assets | $50,982,500 | 5,093 |
| Average earning assets | $47,171,500 | 5,076 |
| Average equity | $9,040,000 | 4,579 |
| Average total loans | $38,849,000 | 4,729 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9311% | 3,631 |
| Cost of funding earning assets | 0.3050% | 4,088 |
| Net interest margin | 3.6261% | 3,080 |
| Noninterest income to average assets | 0.1343% | 5,275 |
| Noninterest expense to average assets | 2.0965% | 4,772 |
| Loan and lease loss provision to assets | 0.1149% | 1,980 |
| Net operating income to assets | 1.2789% | 1,276 |
| Return on assets (ROA) | 1.2789% | 1,301 |
| Pretax return on assets | 1.2789% | 2,438 |
| Return on Equity (ROE) | 7.3713% | 3,089 |
| Retained earnings to average equity (ytd only) | 2.5581% | 3,790 |
| Net charge-offs to loans | 0.1687% | 1,462 |
| Credit loss provision to net charge-offs | 92.1875% | 2,745 |
| Earnings coverage of net charge-offs (x) | 11.1875% | 2,596 |
| Efficiency ratio | 60.0669% | 4,254 |
| Assets per employee ($millions) | 6.4018% | 1,265 |
| Cash dividends to net income (ytd only)* | 65.2968% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7085% | 5,052 |
| Loan loss allowance to noncurrent loans | 13,850.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 3,899 |
| Noncurrent loans to loans | 0.0051% | 5,040 |
| Net loans and leases to total assets | 75.7976% | 1,637 |
| Net loans and leases to deposits | 93.5127% | 1,330 |
| Net loans and leases to core deposits | 95.6180% | 2,064 |
| Total domestic deposits to total assets | 81.0560% | 4,109 |
| Equity capital to assets | 17.5811% | 351 |
| Core capital (leverage) ratio | 17.4987% | 331 |
| Tier 1 risk-based capital ratio | 27.2708% | 583 |
| Total risk-based capital ratio | 28.1084% | 594 |
| Memoranda: | ||
| Average total assets | $51,370,800 | 5,132 |
| Average earning assets | $47,544,400 | 5,115 |
| Average equity | $8,913,000 | 4,630 |
| Average total loans | $37,940,000 | 4,794 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9245% | 3,609 |
| Cost of funding earning assets | 0.3056% | 4,081 |
| Net interest margin | 3.6189% | 3,072 |
| Noninterest income to average assets | 0.1374% | 5,319 |
| Noninterest expense to average assets | 2.1137% | 4,704 |
| Loan and lease loss provision to assets | 0.1141% | 1,889 |
| Net operating income to assets | 1.2578% | 1,476 |
| Return on assets (ROA) | 1.2578% | 1,504 |
| Pretax return on assets | 1.2578% | 2,673 |
| Return on Equity (ROE) | 7.2737% | 3,507 |
| Retained earnings to average equity (ytd only) | 3.5543% | 3,798 |
| Net charge-offs to loans | 0.2266% | 955 |
| Credit loss provision to net charge-offs | 68.7500% | 2,710 |
| Earnings coverage of net charge-offs (x) | 8.2658% | 2,805 |
| Efficiency ratio | 60.6399% | 4,107 |
| Assets per employee ($millions) | 6.3124% | 1,301 |
| Cash dividends to net income (ytd only)* | 51.1343% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6771% | 5,191 |
| Loan loss allowance to noncurrent loans | 319.5122% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.4099% | 3,391 |
| Noncurrent loans to loans | 0.2119% | 4,219 |
| Net loans and leases to total assets | 76.1065% | 1,575 |
| Net loans and leases to deposits | 94.3998% | 1,253 |
| Net loans and leases to core deposits | 96.5580% | 2,017 |
| Total domestic deposits to total assets | 80.6214% | 4,165 |
| Equity capital to assets | 17.8479% | 345 |
| Core capital (leverage) ratio | 17.4811% | 344 |
| Tier 1 risk-based capital ratio | 27.5031% | 591 |
| Total risk-based capital ratio | 28.3012% | 610 |
| Memoranda: | ||
| Average total assets | $51,410,000 | 5,188 |
| Average earning assets | $47,563,250 | 5,169 |
| Average equity | $8,890,250 | 4,680 |
| Average total loans | $37,651,000 | 4,849 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8861% | 3,601 |
| Cost of funding earning assets | 0.3050% | 4,033 |
| Net interest margin | 3.5811% | 3,106 |
| Noninterest income to average assets | 0.1199% | 5,453 |
| Noninterest expense to average assets | 2.0730% | 4,823 |
| Loan and lease loss provision to assets | 0.1122% | 1,829 |
| Net operating income to assets | 1.2492% | 1,444 |
| Return on assets (ROA) | 1.2492% | 1,469 |
| Pretax return on assets | 1.2492% | 2,584 |
| Return on Equity (ROE) | 7.3000% | 3,396 |
| Retained earnings to average equity (ytd only) | 3.5709% | 3,580 |
| Net charge-offs to loans | 0.0911% | 1,700 |
| Credit loss provision to net charge-offs | 170.5882% | 1,402 |
| Earnings coverage of net charge-offs (x) | 20.7059% | 1,780 |
| Efficiency ratio | 60.3604% | 4,270 |
| Assets per employee ($millions) | 6.3623% | 1,222 |
| Cash dividends to net income (ytd only)* | 51.0836% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7790% | 4,995 |
| Loan loss allowance to noncurrent loans | 61.7647% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 0.9352% | 1,881 |
| Noncurrent loans to loans | 1.2613% | 1,527 |
| Net loans and leases to total assets | 73.5687% | 1,947 |
| Net loans and leases to deposits | 90.8374% | 1,628 |
| Net loans and leases to core deposits | 92.8834% | 2,260 |
| Total domestic deposits to total assets | 80.9894% | 4,188 |
| Equity capital to assets | 17.5528% | 358 |
| Core capital (leverage) ratio | 17.3146% | 341 |
| Tier 1 risk-based capital ratio | 27.6244% | 572 |
| Total risk-based capital ratio | 28.5334% | 582 |
| Memoranda: | ||
| Average total assets | $51,713,670 | 5,220 |
| Average earning assets | $47,862,330 | 5,199 |
| Average equity | $8,849,330 | 4,708 |
| Average total loans | $37,303,000 | 4,891 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7625% | 3,896 |
| Cost of funding earning assets | 0.2977% | 4,069 |
| Net interest margin | 3.4648% | 3,406 |
| Noninterest income to average assets | 0.0998% | 5,591 |
| Noninterest expense to average assets | 2.0567% | 4,930 |
| Loan and lease loss provision to assets | 0.1074% | 1,779 |
| Net operating income to assets | 1.1512% | 1,662 |
| Return on assets (ROA) | 1.1512% | 1,698 |
| Pretax return on assets | 1.1512% | 2,774 |
| Return on Equity (ROE) | 6.8128% | 3,490 |
| Retained earnings to average equity (ytd only) | 3.0430% | 3,889 |
| Net charge-offs to loans | 0.1941% | 889 |
| Credit loss provision to net charge-offs | 77.7778% | 1,768 |
| Earnings coverage of net charge-offs (x) | 9.1111% | 2,013 |
| Efficiency ratio | 62.0370% | 4,142 |
| Assets per employee ($millions) | 6.3780% | 1,245 |
| Cash dividends to net income (ytd only)* | 55.3333% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7463% | 5,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1313% | 4,735 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 72.4581% | 2,010 |
| Net loans and leases to deposits | 89.1190% | 1,654 |
| Net loans and leases to core deposits | 91.1042% | 2,252 |
| Total domestic deposits to total assets | 81.3049% | 4,343 |
| Equity capital to assets | 17.3252% | 353 |
| Core capital (leverage) ratio | 17.1639% | 353 |
| Tier 1 risk-based capital ratio | 27.8305% | 572 |
| Total risk-based capital ratio | 28.7038% | 580 |
| Memoranda: | ||
| Average total assets | $52,121,500 | 5,266 |
| Average earning assets | $48,372,500 | 5,242 |
| Average equity | $8,807,000 | 4,749 |
| Average total loans | $37,085,000 | 4,941 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9121% | 3,532 |
| Cost of funding earning assets | 0.2966% | 4,100 |
| Net interest margin | 3.6155% | 3,018 |
| Noninterest income to average assets | 0.1403% | 5,484 |
| Noninterest expense to average assets | 2.0632% | 5,069 |
| Loan and lease loss provision to assets | 0.1265% | 1,964 |
| Net operating income to assets | 1.2747% | 1,286 |
| Return on assets (ROA) | 1.2747% | 1,358 |
| Pretax return on assets | 1.2747% | 2,380 |
| Return on Equity (ROE) | 7.3939% | 3,271 |
| Retained earnings to average equity (ytd only) | 2.4761% | 4,106 |
| Net charge-offs to loans | 0.1541% | 1,725 |
| Credit loss provision to net charge-offs | 112.2807% | 2,342 |
| Earnings coverage of net charge-offs (x) | 12.4386% | 2,450 |
| Efficiency ratio | 59.5550% | 4,655 |
| Assets per employee ($millions) | 6.6524% | 1,077 |
| Cash dividends to net income (ytd only)* | 66.5116% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 5,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 4,629 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 68.8457% | 2,642 |
| Net loans and leases to deposits | 83.7846% | 2,448 |
| Net loans and leases to core deposits | 85.5472% | 2,883 |
| Total domestic deposits to total assets | 82.1699% | 4,024 |
| Equity capital to assets | 16.4866% | 437 |
| Core capital (leverage) ratio | 16.8536% | 370 |
| Tier 1 risk-based capital ratio | 27.6273% | 589 |
| Total risk-based capital ratio | 28.5135% | 592 |
| Memoranda: | ||
| Average total assets | $50,601,600 | 5,333 |
| Average earning assets | $46,521,800 | 5,323 |
| Average equity | $8,723,400 | 4,798 |
| Average total loans | $36,996,800 | 4,983 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9569% | 3,387 |
| Cost of funding earning assets | 0.2970% | 4,134 |
| Net interest margin | 3.6600% | 2,858 |
| Noninterest income to average assets | 0.1468% | 5,525 |
| Noninterest expense to average assets | 2.0875% | 5,025 |
| Loan and lease loss provision to assets | 0.0721% | 2,770 |
| Net operating income to assets | 1.3427% | 1,182 |
| Return on assets (ROA) | 1.3427% | 1,260 |
| Pretax return on assets | 1.3427% | 2,261 |
| Return on Equity (ROE) | 7.6991% | 3,190 |
| Retained earnings to average equity (ytd only) | 3.9031% | 3,524 |
| Net charge-offs to loans | 0.0684% | 2,347 |
| Credit loss provision to net charge-offs | 142.1053% | 1,840 |
| Earnings coverage of net charge-offs (x) | 27.8977% | 1,551 |
| Efficiency ratio | 59.6037% | 4,597 |
| Assets per employee ($millions) | 5.7660% | 1,603 |
| Cash dividends to net income (ytd only)* | 49.3044% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7577% | 5,306 |
| Loan loss allowance to noncurrent loans | 186.1842% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 3,629 |
| Noncurrent loans to loans | 0.4069% | 3,819 |
| Net loans and leases to total assets | 71.4322% | 2,271 |
| Net loans and leases to deposits | 87.6895% | 2,055 |
| Net loans and leases to core deposits | 89.5927% | 2,610 |
| Total domestic deposits to total assets | 81.4603% | 4,118 |
| Equity capital to assets | 17.0444% | 429 |
| Core capital (leverage) ratio | 17.8749% | 312 |
| Tier 1 risk-based capital ratio | 27.6266% | 605 |
| Total risk-based capital ratio | 28.5120% | 610 |
| Memoranda: | ||
| Average total assets | $49,947,250 | 5,401 |
| Average earning assets | $45,791,750 | 5,389 |
| Average equity | $8,710,750 | 4,854 |
| Average total loans | $37,015,750 | 5,025 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9223% | 3,536 |
| Cost of funding earning assets | 0.2980% | 4,155 |
| Net interest margin | 3.6243% | 3,001 |
| Noninterest income to average assets | 0.1339% | 5,642 |
| Noninterest expense to average assets | 2.0731% | 5,114 |
| Loan and lease loss provision to assets | 0.0730% | 2,678 |
| Net operating income to assets | 1.3428% | 1,180 |
| Return on assets (ROA) | 1.3428% | 1,252 |
| Pretax return on assets | 1.3428% | 2,234 |
| Return on Equity (ROE) | 7.6390% | 3,178 |
| Retained earnings to average equity (ytd only) | 3.8311% | 3,448 |
| Net charge-offs to loans | 0.0488% | 2,507 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 38.7778% | 1,178 |
| Efficiency ratio | 59.4186% | 4,723 |
| Assets per employee ($millions) | 5.4756% | 1,814 |
| Cash dividends to net income (ytd only)* | 49.8489% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7612% | 5,371 |
| Loan loss allowance to noncurrent loans | 260.5505% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 3,876 |
| Noncurrent loans to loans | 0.2922% | 4,324 |
| Net loans and leases to total assets | 75.1319% | 1,627 |
| Net loans and leases to deposits | 93.0791% | 1,386 |
| Net loans and leases to core deposits | 95.2216% | 2,047 |
| Total domestic deposits to total assets | 80.7183% | 4,357 |
| Equity capital to assets | 17.7699% | 361 |
| Core capital (leverage) ratio | 17.7663% | 312 |
| Tier 1 risk-based capital ratio | 28.0700% | 589 |
| Total risk-based capital ratio | 28.9820% | 596 |
| Memoranda: | ||
| Average total assets | $49,298,330 | 5,477 |
| Average earning assets | $45,636,330 | 5,458 |
| Average equity | $8,666,000 | 4,897 |
| Average total loans | $36,903,670 | 5,078 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8644% | 3,714 |
| Cost of funding earning assets | 0.2979% | 4,185 |
| Net interest margin | 3.5665% | 3,216 |
| Noninterest income to average assets | 0.1136% | 5,774 |
| Noninterest expense to average assets | 1.9632% | 5,409 |
| Loan and lease loss provision to assets | 0.0730% | 2,499 |
| Net operating income to assets | 1.3791% | 1,081 |
| Return on assets (ROA) | 1.3791% | 1,138 |
| Pretax return on assets | 1.3791% | 1,968 |
| Return on Equity (ROE) | 7.8882% | 2,979 |
| Retained earnings to average equity (ytd only) | 4.0369% | 3,475 |
| Net charge-offs to loans | 0.1199% | 1,392 |
| Credit loss provision to net charge-offs | 81.8182% | 1,824 |
| Earnings coverage of net charge-offs (x) | 16.2727% | 1,625 |
| Efficiency ratio | 57.4822% | 5,057 |
| Assets per employee ($millions) | 5.3843% | 1,941 |
| Cash dividends to net income (ytd only)* | 48.8235% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7519% | 5,490 |
| Loan loss allowance to noncurrent loans | 255.1402% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.4065% | 3,964 |
| Noncurrent loans to loans | 0.2947% | 4,375 |
| Net loans and leases to total assets | 74.3577% | 1,678 |
| Net loans and leases to deposits | 92.2244% | 1,318 |
| Net loans and leases to core deposits | 94.3791% | 1,954 |
| Total domestic deposits to total assets | 80.6269% | 4,598 |
| Equity capital to assets | 17.8997% | 333 |
| Core capital (leverage) ratio | 17.5148% | 332 |
| Tier 1 risk-based capital ratio | 28.1084% | 601 |
| Total risk-based capital ratio | 28.9942% | 614 |
| Memoranda: | ||
| Average total assets | $49,307,500 | 5,525 |
| Average earning assets | $45,647,500 | 5,505 |
| Average equity | $8,620,500 | 4,933 |
| Average total loans | $36,701,000 | 5,122 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8004% | 4,039 |
| Cost of funding earning assets | 0.3046% | 4,198 |
| Net interest margin | 3.4958% | 3,540 |
| Noninterest income to average assets | 0.1482% | 5,671 |
| Noninterest expense to average assets | 2.0693% | 5,317 |
| Loan and lease loss provision to assets | 0.0934% | 2,446 |
| Net operating income to assets | 1.2489% | 1,389 |
| Return on assets (ROA) | 1.2489% | 1,442 |
| Pretax return on assets | 1.2489% | 2,471 |
| Return on Equity (ROE) | 7.2488% | 3,385 |
| Retained earnings to average equity (ytd only) | 2.5813% | 4,234 |
| Net charge-offs to loans | 0.1185% | 2,185 |
| Credit loss provision to net charge-offs | 109.5238% | 2,302 |
| Earnings coverage of net charge-offs (x) | 15.7381% | 2,183 |
| Efficiency ratio | 60.6548% | 4,808 |
| Assets per employee ($millions) | 5.5729% | 1,719 |
| Cash dividends to net income (ytd only)* | 64.3902% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7413% | 5,556 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1994% | 4,794 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 73.4130% | 1,823 |
| Net loans and leases to deposits | 90.0886% | 1,599 |
| Net loans and leases to core deposits | 92.0916% | 2,209 |
| Total domestic deposits to total assets | 81.4898% | 4,341 |
| Equity capital to assets | 17.0807% | 400 |
| Core capital (leverage) ratio | 17.1844% | 343 |
| Tier 1 risk-based capital ratio | 27.9817% | 598 |
| Total risk-based capital ratio | 28.8791% | 608 |
| Memoranda: | ||
| Average total assets | $49,243,600 | 5,562 |
| Average earning assets | $45,968,800 | 5,531 |
| Average equity | $8,484,200 | 4,962 |
| Average total loans | $35,457,400 | 5,175 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7652% | 4,201 |
| Cost of funding earning assets | 0.3111% | 4,213 |
| Net interest margin | 3.4541% | 3,735 |
| Noninterest income to average assets | 0.1605% | 5,684 |
| Noninterest expense to average assets | 2.0592% | 5,365 |
| Loan and lease loss provision to assets | 0.0734% | 2,701 |
| Net operating income to assets | 1.2594% | 1,452 |
| Return on assets (ROA) | 1.2594% | 1,516 |
| Pretax return on assets | 1.2594% | 2,560 |
| Return on Equity (ROE) | 7.2939% | 3,474 |
| Retained earnings to average equity (ytd only) | 3.3870% | 4,057 |
| Net charge-offs to loans | 0.1217% | 1,908 |
| Credit loss provision to net charge-offs | 84.3750% | 2,544 |
| Earnings coverage of net charge-offs (x) | 15.3110% | 2,189 |
| Efficiency ratio | 60.7057% | 4,790 |
| Assets per employee ($millions) | 5.5677% | 1,716 |
| Cash dividends to net income (ytd only)* | 53.5638% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7316% | 5,654 |
| Loan loss allowance to noncurrent loans | 77.7778% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 0.9120% | 2,584 |
| Noncurrent loans to loans | 0.9406% | 2,618 |
| Net loans and leases to total assets | 72.0290% | 2,056 |
| Net loans and leases to deposits | 88.5913% | 1,825 |
| Net loans and leases to core deposits | 89.8752% | 2,479 |
| Total domestic deposits to total assets | 81.3048% | 4,391 |
| Equity capital to assets | 17.1327% | 422 |
| Core capital (leverage) ratio | 17.4144% | 343 |
| Tier 1 risk-based capital ratio | 28.2806% | 600 |
| Total risk-based capital ratio | 29.1583% | 612 |
| Memoranda: | ||
| Average total assets | $49,015,500 | 5,635 |
| Average earning assets | $45,857,500 | 5,599 |
| Average equity | $8,463,500 | 5,027 |
| Average total loans | $35,047,750 | 5,248 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7472% | 4,247 |
| Cost of funding earning assets | 0.3207% | 4,149 |
| Net interest margin | 3.4265% | 3,805 |
| Noninterest income to average assets | 0.1439% | 5,847 |
| Noninterest expense to average assets | 2.0678% | 5,402 |
| Loan and lease loss provision to assets | 0.0740% | 2,634 |
| Net operating income to assets | 1.2086% | 1,571 |
| Return on assets (ROA) | 1.2086% | 1,650 |
| Pretax return on assets | 1.2086% | 2,739 |
| Return on Equity (ROE) | 6.9809% | 3,618 |
| Retained earnings to average equity (ytd only) | 3.0630% | 4,091 |
| Net charge-offs to loans | 0.1560% | 1,543 |
| Credit loss provision to net charge-offs | 66.6667% | 2,509 |
| Earnings coverage of net charge-offs (x) | 11.5556% | 2,283 |
| Efficiency ratio | 61.7178% | 4,721 |
| Assets per employee ($millions) | 5.3022% | 1,921 |
| Cash dividends to net income (ytd only)* | 56.1224% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7335% | 5,746 |
| Loan loss allowance to noncurrent loans | 90.9722% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 0.8655% | 2,819 |
| Noncurrent loans to loans | 0.8063% | 3,100 |
| Net loans and leases to total assets | 74.3022% | 1,612 |
| Net loans and leases to deposits | 92.1416% | 1,356 |
| Net loans and leases to core deposits | 92.8194% | 2,083 |
| Total domestic deposits to total assets | 80.6391% | 4,704 |
| Equity capital to assets | 17.7913% | 357 |
| Core capital (leverage) ratio | 17.4556% | 332 |
| Tier 1 risk-based capital ratio | 29.1061% | 580 |
| Total risk-based capital ratio | 30.0048% | 594 |
| Memoranda: | ||
| Average total assets | $48,651,000 | 5,710 |
| Average earning assets | $45,527,000 | 5,670 |
| Average equity | $8,423,000 | 5,069 |
| Average total loans | $34,610,670 | 5,309 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6414% | 4,562 |
| Cost of funding earning assets | 0.3295% | 4,101 |
| Net interest margin | 3.3119% | 4,164 |
| Noninterest income to average assets | 0.1303% | 5,945 |
| Noninterest expense to average assets | 1.9382% | 5,692 |
| Loan and lease loss provision to assets | 0.0733% | 2,473 |
| Net operating income to assets | 1.2297% | 1,462 |
| Return on assets (ROA) | 1.2297% | 1,552 |
| Pretax return on assets | 1.2297% | 2,549 |
| Return on Equity (ROE) | 7.1995% | 3,405 |
| Retained earnings to average equity (ytd only) | 3.2421% | 4,044 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7990% | 5,117 |
| Assets per employee ($millions) | 5.4157% | 1,864 |
| Cash dividends to net income (ytd only)* | 54.9669% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 5,652 |
| Loan loss allowance to noncurrent loans | 1,647.0588% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 4,454 |
| Noncurrent loans to loans | 0.0497% | 5,584 |
| Net loans and leases to total assets | 69.6457% | 2,187 |
| Net loans and leases to deposits | 85.7352% | 1,862 |
| Net loans and leases to core deposits | 86.3436% | 2,510 |
| Total domestic deposits to total assets | 81.2335% | 4,755 |
| Equity capital to assets | 17.2955% | 400 |
| Core capital (leverage) ratio | 16.8612% | 371 |
| Tier 1 risk-based capital ratio | 29.2886% | 579 |
| Total risk-based capital ratio | 30.2622% | 584 |
| Memoranda: | ||
| Average total assets | $49,116,500 | 5,742 |
| Average earning assets | $46,136,500 | 5,706 |
| Average equity | $8,389,500 | 5,117 |
| Average total loans | $34,056,500 | 5,370 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6618% | 4,906 |
| Cost of funding earning assets | 0.3579% | 4,163 |
| Net interest margin | 3.3039% | 4,543 |
| Noninterest income to average assets | 0.1826% | 5,764 |
| Noninterest expense to average assets | 2.0738% | 5,630 |
| Loan and lease loss provision to assets | 0.0185% | 4,243 |
| Net operating income to assets | 1.1959% | 1,596 |
| Return on assets (ROA) | 1.1959% | 1,664 |
| Pretax return on assets | 1.1959% | 2,670 |
| Return on Equity (ROE) | 7.0419% | 3,599 |
| Retained earnings to average equity (ytd only) | 2.2587% | 4,634 |
| Net charge-offs to loans | 0.1720% | 2,308 |
| Credit loss provision to net charge-offs | 15.5172% | 4,029 |
| Earnings coverage of net charge-offs (x) | 10.2069% | 2,641 |
| Efficiency ratio | 63.0692% | 4,747 |
| Assets per employee ($millions) | 5.4991% | 1,773 |
| Cash dividends to net income (ytd only)* | 67.9245% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7997% | 5,771 |
| Loan loss allowance to noncurrent loans | 542.0000% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 4,642 |
| Noncurrent loans to loans | 0.1475% | 5,302 |
| Net loans and leases to total assets | 67.9221% | 2,568 |
| Net loans and leases to deposits | 83.1565% | 2,318 |
| Net loans and leases to core deposits | 83.7344% | 2,922 |
| Total domestic deposits to total assets | 81.6799% | 4,537 |
| Equity capital to assets | 16.8694% | 435 |
| Core capital (leverage) ratio | 16.8068% | 389 |
| Tier 1 risk-based capital ratio | 29.5829% | 530 |
| Total risk-based capital ratio | 30.5424% | 530 |
| Memoranda: | ||
| Average total assets | $48,751,200 | 5,815 |
| Average earning assets | $45,824,800 | 5,778 |
| Average equity | $8,279,000 | 5,133 |
| Average total loans | $33,715,000 | 5,409 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6359% | 5,050 |
| Cost of funding earning assets | 0.3653% | 4,184 |
| Net interest margin | 3.2705% | 4,720 |
| Noninterest income to average assets | 0.1977% | 5,743 |
| Noninterest expense to average assets | 2.0453% | 5,689 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2244% | 1,595 |
| Return on assets (ROA) | 1.2244% | 1,657 |
| Pretax return on assets | 1.2244% | 2,676 |
| Return on Equity (ROE) | 7.1978% | 3,610 |
| Retained earnings to average equity (ytd only) | 3.1954% | 4,355 |
| Net charge-offs to loans | 0.0594% | 3,358 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 29.7325% | 1,378 |
| Efficiency ratio | 62.5525% | 4,802 |
| Assets per employee ($millions) | 5.5588% | 1,674 |
| Cash dividends to net income (ytd only)* | 55.6058% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8925% | 5,625 |
| Loan loss allowance to noncurrent loans | 305.0000% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 4,603 |
| Noncurrent loans to loans | 0.2926% | 5,032 |
| Net loans and leases to total assets | 67.6987% | 2,582 |
| Net loans and leases to deposits | 82.8458% | 2,313 |
| Net loans and leases to core deposits | 83.9422% | 2,888 |
| Total domestic deposits to total assets | 81.7166% | 4,583 |
| Equity capital to assets | 16.7243% | 468 |
| Core capital (leverage) ratio | 16.9688% | 376 |
| Tier 1 risk-based capital ratio | 29.0793% | 573 |
| Total risk-based capital ratio | 30.1394% | 576 |
| Memoranda: | ||
| Average total assets | $48,566,000 | 5,887 |
| Average earning assets | $45,618,250 | 5,848 |
| Average equity | $8,261,500 | 5,178 |
| Average total loans | $33,672,000 | 5,466 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6623% | 4,973 |
| Cost of funding earning assets | 0.3760% | 4,151 |
| Net interest margin | 3.2863% | 4,640 |
| Noninterest income to average assets | 0.1789% | 5,878 |
| Noninterest expense to average assets | 2.0799% | 5,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1897% | 1,623 |
| Return on assets (ROA) | 1.1897% | 1,693 |
| Pretax return on assets | 1.1897% | 2,705 |
| Return on Equity (ROE) | 6.9533% | 3,646 |
| Retained earnings to average equity (ytd only) | 2.9418% | 4,334 |
| Net charge-offs to loans | 0.0955% | 2,717 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 17.8750% | 1,710 |
| Efficiency ratio | 63.6132% | 4,750 |
| Assets per employee ($millions) | 5.4749% | 1,718 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8926% | 5,742 |
| Loan loss allowance to noncurrent loans | 542.8571% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.3552% | 4,963 |
| Noncurrent loans to loans | 0.1644% | 5,516 |
| Net loans and leases to total assets | 68.5006% | 2,326 |
| Net loans and leases to deposits | 83.8813% | 2,049 |
| Net loans and leases to core deposits | 85.0073% | 2,613 |
| Total domestic deposits to total assets | 81.6638% | 4,763 |
| Equity capital to assets | 16.8223% | 439 |
| Core capital (leverage) ratio | 17.6550% | 315 |
| Tier 1 risk-based capital ratio | 28.8554% | 589 |
| Total risk-based capital ratio | 29.9137% | 592 |
| Memoranda: | ||
| Average total assets | $48,078,330 | 5,945 |
| Average earning assets | $45,217,670 | 5,909 |
| Average equity | $8,226,330 | 5,207 |
| Average total loans | $33,504,670 | 5,516 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6579% | 4,983 |
| Cost of funding earning assets | 0.3836% | 4,155 |
| Net interest margin | 3.2743% | 4,650 |
| Noninterest income to average assets | 0.1516% | 6,066 |
| Noninterest expense to average assets | 2.0219% | 5,841 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2216% | 1,419 |
| Return on assets (ROA) | 1.2216% | 1,474 |
| Pretax return on assets | 1.2216% | 2,383 |
| Return on Equity (ROE) | 7.0775% | 3,430 |
| Retained earnings to average equity (ytd only) | 3.0750% | 4,272 |
| Net charge-offs to loans | 0.2046% | 1,521 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.5294% | 2,014 |
| Efficiency ratio | 62.3377% | 5,078 |
| Assets per employee ($millions) | 5.2416% | 1,969 |
| Cash dividends to net income (ytd only)* | 56.5517% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9167% | 5,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2523% | 5,430 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 69.4281% | 1,989 |
| Net loans and leases to deposits | 85.7068% | 1,635 |
| Net loans and leases to core deposits | 87.6144% | 2,139 |
| Total domestic deposits to total assets | 81.0065% | 5,237 |
| Equity capital to assets | 17.4418% | 357 |
| Core capital (leverage) ratio | 17.0227% | 364 |
| Tier 1 risk-based capital ratio | 29.6239% | 541 |
| Total risk-based capital ratio | 30.7144% | 540 |
| Memoranda: | ||
| Average total assets | $47,480,500 | 6,023 |
| Average earning assets | $44,834,000 | 5,976 |
| Average equity | $8,195,000 | 5,243 |
| Average total loans | $33,228,500 | 5,578 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1080% | 3,708 |
| Cost of funding earning assets | 0.4887% | 3,725 |
| Net interest margin | 3.6193% | 3,380 |
| Noninterest income to average assets | 0.2295% | 5,702 |
| Noninterest expense to average assets | 2.2071% | 5,608 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4059% | 1,014 |
| Return on assets (ROA) | 1.4059% | 1,052 |
| Pretax return on assets | 1.4059% | 1,758 |
| Return on Equity (ROE) | 7.8848% | 3,089 |
| Retained earnings to average equity (ytd only) | 2.9831% | 4,120 |
| Net charge-offs to loans | 0.0118% | 5,217 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 159.2500% | 292 |
| Efficiency ratio | 61.0874% | 5,349 |
| Assets per employee ($millions) | 5.3097% | 1,839 |
| Cash dividends to net income (ytd only)* | 62.1664% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 5,730 |
| Loan loss allowance to noncurrent loans | 139.1304% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.4813% | 4,796 |
| Noncurrent loans to loans | 0.6886% | 4,250 |
| Net loans and leases to total assets | 69.2280% | 2,139 |
| Net loans and leases to deposits | 85.0262% | 1,808 |
| Net loans and leases to core deposits | 87.4769% | 2,295 |
| Total domestic deposits to total assets | 81.4196% | 5,062 |
| Equity capital to assets | 17.0800% | 392 |
| Core capital (leverage) ratio | 17.3957% | 338 |
| Tier 1 risk-based capital ratio | 29.0108% | 553 |
| Total risk-based capital ratio | 30.1474% | 552 |
| Memoranda: | ||
| Average total assets | $45,308,800 | 6,142 |
| Average earning assets | $42,356,600 | 6,096 |
| Average equity | $8,078,800 | 5,315 |
| Average total loans | $33,781,200 | 5,586 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 3,283 |
| Cost of funding earning assets | 0.5164% | 3,607 |
| Net interest margin | 3.7111% | 2,988 |
| Noninterest income to average assets | 0.2476% | 5,660 |
| Noninterest expense to average assets | 2.1929% | 5,621 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5067% | 885 |
| Return on assets (ROA) | 1.5067% | 929 |
| Pretax return on assets | 1.5067% | 1,585 |
| Return on Equity (ROE) | 8.3559% | 2,945 |
| Retained earnings to average equity (ytd only) | 4.2524% | 3,656 |
| Net charge-offs to loans | 0.0275% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 72.1672% | 648 |
| Efficiency ratio | 59.2742% | 5,527 |
| Assets per employee ($millions) | 5.0884% | 2,061 |
| Cash dividends to net income (ytd only)* | 49.1089% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9381% | 5,953 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 73.0981% | 1,429 |
| Net loans and leases to deposits | 90.9056% | 1,075 |
| Net loans and leases to core deposits | 93.6732% | 1,606 |
| Total domestic deposits to total assets | 80.4110% | 5,384 |
| Equity capital to assets | 17.8618% | 333 |
| Core capital (leverage) ratio | 18.3165% | 284 |
| Tier 1 risk-based capital ratio | 28.9197% | 571 |
| Total risk-based capital ratio | 30.0396% | 566 |
| Memoranda: | ||
| Average total assets | $44,689,250 | 6,228 |
| Average earning assets | $41,568,500 | 6,195 |
| Average equity | $8,058,000 | 5,377 |
| Average total loans | $33,876,000 | 5,640 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 3,052 |
| Cost of funding earning assets | 0.5247% | 3,655 |
| Net interest margin | 3.7509% | 2,761 |
| Noninterest income to average assets | 0.2347% | 5,767 |
| Noninterest expense to average assets | 2.2112% | 5,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5072% | 890 |
| Return on assets (ROA) | 1.5072% | 957 |
| Pretax return on assets | 1.5072% | 1,598 |
| Return on Equity (ROE) | 8.3320% | 2,927 |
| Retained earnings to average equity (ytd only) | 4.2159% | 3,611 |
| Net charge-offs to loans | 0.0059% | 4,774 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 334.0000% | 146 |
| Efficiency ratio | 59.4660% | 5,546 |
| Assets per employee ($millions) | 4.9498% | 2,167 |
| Cash dividends to net income (ytd only)* | 49.4012% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 6,015 |
| Loan loss allowance to noncurrent loans | 2,484.6154% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 6,446 |
| Noncurrent loans to loans | 0.0380% | 6,287 |
| Net loans and leases to total assets | 76.1605% | 972 |
| Net loans and leases to deposits | 96.3508% | 646 |
| Net loans and leases to core deposits | 97.7780% | 1,228 |
| Total domestic deposits to total assets | 79.0451% | 5,796 |
| Equity capital to assets | 18.1422% | 317 |
| Core capital (leverage) ratio | 18.2915% | 269 |
| Tier 1 risk-based capital ratio | 28.6736% | 593 |
| Total risk-based capital ratio | 29.8176% | 585 |
| Memoranda: | ||
| Average total assets | $44,320,330 | 6,282 |
| Average earning assets | $41,163,330 | 6,251 |
| Average equity | $8,017,330 | 5,426 |
| Average total loans | $33,903,670 | 5,672 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3374% | 2,731 |
| Cost of funding earning assets | 0.5373% | 3,701 |
| Net interest margin | 3.8001% | 2,451 |
| Noninterest income to average assets | 0.1991% | 6,049 |
| Noninterest expense to average assets | 2.1807% | 5,742 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5382% | 788 |
| Return on assets (ROA) | 1.5382% | 863 |
| Pretax return on assets | 1.5382% | 1,459 |
| Return on Equity (ROE) | 8.5160% | 2,708 |
| Retained earnings to average equity (ytd only) | 4.3582% | 3,622 |
| Net charge-offs to loans | -0.0119% | 5,501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6375% | 5,765 |
| Assets per employee ($millions) | 4.8714% | 2,393 |
| Cash dividends to net income (ytd only)* | 48.8235% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 6,085 |
| Loan loss allowance to noncurrent loans | 422.0779% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 6,042 |
| Noncurrent loans to loans | 0.2288% | 5,841 |
| Net loans and leases to total assets | 76.0099% | 840 |
| Net loans and leases to deposits | 96.3067% | 525 |
| Net loans and leases to core deposits | 99.3856% | 985 |
| Total domestic deposits to total assets | 78.9248% | 5,976 |
| Equity capital to assets | 18.2994% | 313 |
| Core capital (leverage) ratio | 17.8242% | 294 |
| Tier 1 risk-based capital ratio | 28.9632% | 584 |
| Total risk-based capital ratio | 30.1377% | 581 |
| Memoranda: | ||
| Average total assets | $44,206,500 | 6,339 |
| Average earning assets | $40,946,000 | 6,311 |
| Average equity | $7,985,000 | 5,488 |
| Average total loans | $33,730,000 | 5,714 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 2,538 |
| Cost of funding earning assets | 0.6129% | 4,230 |
| Net interest margin | 4.1019% | 1,992 |
| Noninterest income to average assets | 0.2569% | 5,626 |
| Noninterest expense to average assets | 2.2579% | 5,792 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.8007% | 508 |
| Return on assets (ROA) | 1.8007% | 572 |
| Pretax return on assets | 1.8007% | 921 |
| Return on Equity (ROE) | 9.7494% | 2,288 |
| Retained earnings to average equity (ytd only) | 4.6960% | 2,913 |
| Net charge-offs to loans | 0.1026% | 4,643 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 22.4706% | 1,258 |
| Efficiency ratio | 55.6330% | 6,098 |
| Assets per employee ($millions) | 4.9522% | 2,292 |
| Cash dividends to net income (ytd only)* | 51.8325% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 6,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 75.1313% | 1,030 |
| Net loans and leases to deposits | 94.5745% | 714 |
| Net loans and leases to core deposits | 97.5245% | 1,178 |
| Total domestic deposits to total assets | 79.4413% | 5,794 |
| Equity capital to assets | 17.8304% | 338 |
| Core capital (leverage) ratio | 18.0342% | 281 |
| Tier 1 risk-based capital ratio | 28.1454% | 614 |
| Total risk-based capital ratio | 29.2957% | 608 |
| Memoranda: | ||
| Average total assets | $42,428,200 | 6,414 |
| Average earning assets | $39,323,400 | 6,381 |
| Average equity | $7,836,400 | 5,547 |
| Average total loans | $33,129,400 | 5,795 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7747% | 2,484 |
| Cost of funding earning assets | 0.6312% | 4,354 |
| Net interest margin | 4.1436% | 1,924 |
| Noninterest income to average assets | 0.2642% | 5,667 |
| Noninterest expense to average assets | 2.1865% | 5,982 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.9223% | 434 |
| Return on assets (ROA) | 1.9223% | 502 |
| Pretax return on assets | 1.9223% | 829 |
| Return on Equity (ROE) | 10.3129% | 2,208 |
| Retained earnings to average equity (ytd only) | 6.0784% | 2,650 |
| Net charge-offs to loans | 0.0324% | 5,190 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 75.4742% | 544 |
| Efficiency ratio | 53.2146% | 6,331 |
| Assets per employee ($millions) | 4.7583% | 2,522 |
| Cash dividends to net income (ytd only)* | 41.0600% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 5,944 |
| Loan loss allowance to noncurrent loans | 1,296.2963% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 6,591 |
| Noncurrent loans to loans | 0.0800% | 6,415 |
| Net loans and leases to total assets | 77.9965% | 730 |
| Net loans and leases to deposits | 99.4137% | 472 |
| Net loans and leases to core deposits | 102.6806% | 948 |
| Total domestic deposits to total assets | 78.4565% | 5,976 |
| Equity capital to assets | 18.5406% | 322 |
| Core capital (leverage) ratio | 17.9184% | 303 |
| Tier 1 risk-based capital ratio | 28.1428% | 649 |
| Total risk-based capital ratio | 29.3871% | 631 |
| Memoranda: | ||
| Average total assets | $41,892,750 | 6,507 |
| Average earning assets | $38,870,250 | 6,475 |
| Average equity | $7,808,750 | 5,609 |
| Average total loans | $32,959,250 | 5,878 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8239% | 2,414 |
| Cost of funding earning assets | 0.6453% | 4,485 |
| Net interest margin | 4.1786% | 1,811 |
| Noninterest income to average assets | 0.2742% | 5,618 |
| Noninterest expense to average assets | 2.2462% | 5,886 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8902% | 469 |
| Return on assets (ROA) | 1.8902% | 536 |
| Pretax return on assets | 1.8902% | 862 |
| Return on Equity (ROE) | 10.1223% | 2,310 |
| Retained earnings to average equity (ytd only) | 5.8725% | 2,784 |
| Net charge-offs to loans | 0.0306% | 4,950 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 78.6000% | 518 |
| Efficiency ratio | 54.3023% | 6,293 |
| Assets per employee ($millions) | 5.2870% | 1,831 |
| Cash dividends to net income (ytd only)* | 41.9847% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 5,960 |
| Loan loss allowance to noncurrent loans | 178.2828% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.5060% | 5,499 |
| Noncurrent loans to loans | 0.5888% | 5,334 |
| Net loans and leases to total assets | 78.6694% | 655 |
| Net loans and leases to deposits | 100.1716% | 411 |
| Net loans and leases to core deposits | 104.3726% | 834 |
| Total domestic deposits to total assets | 78.5346% | 6,048 |
| Equity capital to assets | 18.5053% | 307 |
| Core capital (leverage) ratio | 18.1097% | 286 |
| Tier 1 risk-based capital ratio | 27.6066% | 680 |
| Total risk-based capital ratio | 28.8581% | 666 |
| Memoranda: | ||
| Average total assets | $41,582,000 | 6,569 |
| Average earning assets | $38,433,670 | 6,535 |
| Average equity | $7,765,000 | 5,636 |
| Average total loans | $32,695,000 | 5,921 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9174% | 2,175 |
| Cost of funding earning assets | 0.6739% | 4,512 |
| Net interest margin | 4.2435% | 1,628 |
| Noninterest income to average assets | 0.2717% | 5,701 |
| Noninterest expense to average assets | 2.1831% | 6,084 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9988% | 418 |
| Return on assets (ROA) | 1.9988% | 478 |
| Pretax return on assets | 1.9988% | 738 |
| Return on Equity (ROE) | 10.6543% | 2,163 |
| Retained earnings to average equity (ytd only) | 6.3615% | 2,767 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2042% | 6,528 |
| Assets per employee ($millions) | 4.5017% | 2,995 |
| Cash dividends to net income (ytd only)* | 40.2913% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 5,844 |
| Loan loss allowance to noncurrent loans | 82.6790% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.7549% | 3,234 |
| Noncurrent loans to loans | 1.3494% | 4,090 |
| Net loans and leases to total assets | 78.3191% | 559 |
| Net loans and leases to deposits | 98.7459% | 420 |
| Net loans and leases to core deposits | 102.1932% | 856 |
| Total domestic deposits to total assets | 79.3138% | 6,010 |
| Equity capital to assets | 19.2423% | 262 |
| Core capital (leverage) ratio | 18.4366% | 270 |
| Tier 1 risk-based capital ratio | 28.6097% | 595 |
| Total risk-based capital ratio | 29.8607% | 586 |
| Memoranda: | ||
| Average total assets | $41,225,000 | 6,636 |
| Average earning assets | $37,987,500 | 6,604 |
| Average equity | $7,734,000 | 5,679 |
| Average total loans | $32,229,000 | 5,993 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8578% | 3,557 |
| Cost of funding earning assets | 1.0068% | 3,326 |
| Net interest margin | 3.8510% | 3,563 |
| Noninterest income to average assets | 0.1121% | 6,589 |
| Noninterest expense to average assets | 2.1137% | 6,466 |
| Loan and lease loss provision to assets | -0.0210% | 7,225 |
| Net operating income to assets | 1.5928% | 672 |
| Return on assets (ROA) | 1.5928% | 733 |
| Pretax return on assets | 1.5928% | 1,219 |
| Return on Equity (ROE) | 9.0875% | 2,408 |
| Retained earnings to average equity (ytd only) | 4.2506% | 3,163 |
| Net charge-offs to loans | 0.0154% | 6,222 |
| Credit loss provision to net charge-offs | -180.0000% | 6,739 |
| Earnings coverage of net charge-offs (x) | 134.6000% | 250 |
| Efficiency ratio | 57.3511% | 6,138 |
| Assets per employee ($millions) | 4.6594% | 2,673 |
| Cash dividends to net income (ytd only)* | 53.2258% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 5,794 |
| Loan loss allowance to noncurrent loans | 436.5854% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.8680% | 4,891 |
| Noncurrent loans to loans | 0.2533% | 6,224 |
| Net loans and leases to total assets | 76.3348% | 900 |
| Net loans and leases to deposits | 95.0050% | 745 |
| Net loans and leases to core deposits | 98.9337% | 1,266 |
| Total domestic deposits to total assets | 80.3482% | 5,643 |
| Equity capital to assets | 18.2950% | 329 |
| Core capital (leverage) ratio | 17.7344% | 314 |
| Tier 1 risk-based capital ratio | 27.8987% | 631 |
| Total risk-based capital ratio | 29.1498% | 619 |
| Memoranda: | ||
| Average total assets | $42,816,800 | 6,572 |
| Average earning assets | $39,729,600 | 6,540 |
| Average equity | $7,504,800 | 5,718 |
| Average total loans | $32,376,400 | 6,051 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8462% | 3,803 |
| Cost of funding earning assets | 1.1073% | 2,931 |
| Net interest margin | 3.7389% | 4,168 |
| Noninterest income to average assets | 0.2664% | 5,712 |
| Noninterest expense to average assets | 2.0602% | 6,572 |
| Loan and lease loss provision to assets | 0.1394% | 4,698 |
| Net operating income to assets | 1.5397% | 869 |
| Return on assets (ROA) | 1.5397% | 939 |
| Pretax return on assets | 1.5397% | 1,545 |
| Return on Equity (ROE) | 8.8791% | 2,659 |
| Retained earnings to average equity (ytd only) | 4.8951% | 3,245 |
| Net charge-offs to loans | 0.0288% | 5,747 |
| Credit loss provision to net charge-offs | 642.8571% | 420 |
| Earnings coverage of net charge-offs (x) | 77.4544% | 449 |
| Efficiency ratio | 55.0953% | 6,377 |
| Assets per employee ($millions) | 4.5673% | 2,816 |
| Cash dividends to net income (ytd only)* | 44.8698% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 5,109 |
| Loan loss allowance to noncurrent loans | 155.3030% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 1.4207% | 3,996 |
| Noncurrent loans to loans | 0.8227% | 5,223 |
| Net loans and leases to total assets | 77.0690% | 831 |
| Net loans and leases to deposits | 96.4178% | 675 |
| Net loans and leases to core deposits | 101.4669% | 1,121 |
| Total domestic deposits to total assets | 79.9324% | 5,757 |
| Equity capital to assets | 18.5545% | 344 |
| Core capital (leverage) ratio | 17.6886% | 349 |
| Tier 1 risk-based capital ratio | 28.0139% | 658 |
| Total risk-based capital ratio | 29.2664% | 644 |
| Memoranda: | ||
| Average total assets | $43,037,250 | 6,626 |
| Average earning assets | $39,975,500 | 6,589 |
| Average equity | $7,463,000 | 5,759 |
| Average total loans | $32,378,250 | 6,111 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7376% | 4,356 |
| Cost of funding earning assets | 1.1844% | 2,681 |
| Net interest margin | 3.5532% | 4,908 |
| Noninterest income to average assets | 0.2564% | 5,814 |
| Noninterest expense to average assets | 1.9322% | 6,901 |
| Loan and lease loss provision to assets | 0.1374% | 4,586 |
| Net operating income to assets | 1.4972% | 898 |
| Return on assets (ROA) | 1.4972% | 957 |
| Pretax return on assets | 1.4972% | 1,545 |
| Return on Equity (ROE) | 8.8279% | 2,589 |
| Retained earnings to average equity (ytd only) | 4.8054% | 3,118 |
| Net charge-offs to loans | -0.0062% | 6,614 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1720% | 6,604 |
| Assets per employee ($millions) | 4.7939% | 2,414 |
| Cash dividends to net income (ytd only)* | 45.5657% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 5,482 |
| Loan loss allowance to noncurrent loans | 136.6102% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 1.4254% | 4,077 |
| Noncurrent loans to loans | 0.8907% | 5,190 |
| Net loans and leases to total assets | 75.8327% | 1,092 |
| Net loans and leases to deposits | 93.4506% | 911 |
| Net loans and leases to core deposits | 107.1141% | 858 |
| Total domestic deposits to total assets | 81.1473% | 5,478 |
| Equity capital to assets | 17.4551% | 431 |
| Core capital (leverage) ratio | 16.8648% | 416 |
| Tier 1 risk-based capital ratio | 26.5227% | 758 |
| Total risk-based capital ratio | 27.7738% | 742 |
| Memoranda: | ||
| Average total assets | $43,681,000 | 6,654 |
| Average earning assets | $40,695,330 | 6,612 |
| Average equity | $7,408,330 | 5,798 |
| Average total loans | $32,474,330 | 6,163 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5144% | 5,291 |
| Cost of funding earning assets | 1.1870% | 2,902 |
| Net interest margin | 3.3274% | 5,686 |
| Noninterest income to average assets | 0.2821% | 5,653 |
| Noninterest expense to average assets | 1.8294% | 7,100 |
| Loan and lease loss provision to assets | 0.1365% | 4,302 |
| Net operating income to assets | 1.4289% | 1,019 |
| Return on assets (ROA) | 1.4289% | 1,053 |
| Pretax return on assets | 1.4289% | 1,650 |
| Return on Equity (ROE) | 8.5477% | 2,679 |
| Retained earnings to average equity (ytd only) | 4.5189% | 3,460 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8874% | 6,705 |
| Assets per employee ($millions) | 4.9343% | 2,253 |
| Cash dividends to net income (ytd only)* | 47.1338% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 5,650 |
| Loan loss allowance to noncurrent loans | 128.1457% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 1.4006% | 4,186 |
| Noncurrent loans to loans | 0.9340% | 5,168 |
| Net loans and leases to total assets | 71.9381% | 1,735 |
| Net loans and leases to deposits | 87.6557% | 1,499 |
| Net loans and leases to core deposits | 100.6966% | 1,281 |
| Total domestic deposits to total assets | 82.0689% | 5,281 |
| Equity capital to assets | 16.6183% | 485 |
| Core capital (leverage) ratio | 16.2132% | 466 |
| Tier 1 risk-based capital ratio | 26.1543% | 773 |
| Total risk-based capital ratio | 27.4078% | 756 |
| Memoranda: | ||
| Average total assets | $43,949,000 | 6,696 |
| Average earning assets | $41,113,000 | 6,642 |
| Average equity | $7,347,000 | 5,828 |
| Average total loans | $32,151,000 | 6,236 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9452% | 4,806 |
| Cost of funding earning assets | 1.3963% | 3,295 |
| Net interest margin | 3.5489% | 5,041 |
| Noninterest income to average assets | 0.3351% | 5,389 |
| Noninterest expense to average assets | 2.1910% | 6,641 |
| Loan and lease loss provision to assets | 0.1426% | 5,757 |
| Net operating income to assets | 1.3355% | 1,095 |
| Return on assets (ROA) | 1.3355% | 1,162 |
| Pretax return on assets | 1.3355% | 1,841 |
| Return on Equity (ROE) | 7.8008% | 2,781 |
| Retained earnings to average equity (ytd only) | 4.0253% | 3,045 |
| Net charge-offs to loans | 0.0315% | 6,490 |
| Credit loss provision to net charge-offs | 600.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 62.2000% | 384 |
| Efficiency ratio | 59.7150% | 6,089 |
| Assets per employee ($millions) | 4.8321% | 2,379 |
| Cash dividends to net income (ytd only)* | 48.3986% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 5,670 |
| Loan loss allowance to noncurrent loans | 141.9847% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 1.3383% | 4,345 |
| Noncurrent loans to loans | 0.8196% | 5,413 |
| Net loans and leases to total assets | 72.6529% | 1,956 |
| Net loans and leases to deposits | 88.8426% | 1,671 |
| Net loans and leases to core deposits | 102.2822% | 1,431 |
| Total domestic deposits to total assets | 81.7770% | 5,249 |
| Equity capital to assets | 16.8180% | 472 |
| Core capital (leverage) ratio | 16.6882% | 423 |
| Tier 1 risk-based capital ratio | 27.0035% | 672 |
| Total risk-based capital ratio | 28.2566% | 666 |
| Memoranda: | ||
| Average total assets | $42,081,800 | 6,796 |
| Average earning assets | $39,533,000 | 6,731 |
| Average equity | $7,204,400 | 5,963 |
| Average total loans | $31,748,800 | 6,326 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0285% | 4,678 |
| Cost of funding earning assets | 1.4392% | 3,340 |
| Net interest margin | 3.5894% | 4,922 |
| Noninterest income to average assets | 0.3387% | 5,451 |
| Noninterest expense to average assets | 2.2078% | 6,585 |
| Loan and lease loss provision to assets | 0.1438% | 5,595 |
| Net operating income to assets | 1.3579% | 1,199 |
| Return on assets (ROA) | 1.3579% | 1,284 |
| Pretax return on assets | 1.3579% | 2,012 |
| Return on Equity (ROE) | 7.8954% | 2,958 |
| Retained earnings to average equity (ytd only) | 4.2171% | 3,521 |
| Net charge-offs to loans | 0.0463% | 6,066 |
| Credit loss provision to net charge-offs | 409.0909% | 733 |
| Earnings coverage of net charge-offs (x) | 42.7164% | 648 |
| Efficiency ratio | 59.5177% | 6,025 |
| Assets per employee ($millions) | 4.7568% | 2,512 |
| Cash dividends to net income (ytd only)* | 46.5878% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 5,869 |
| Loan loss allowance to noncurrent loans | 52.1230% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 2.3429% | 3,034 |
| Noncurrent loans to loans | 2.1427% | 3,521 |
| Net loans and leases to total assets | 73.6259% | 1,884 |
| Net loans and leases to deposits | 90.3074% | 1,682 |
| Net loans and leases to core deposits | 104.1054% | 1,476 |
| Total domestic deposits to total assets | 81.5281% | 5,189 |
| Equity capital to assets | 16.9840% | 517 |
| Core capital (leverage) ratio | 16.3739% | 506 |
| Tier 1 risk-based capital ratio | 26.6148% | 728 |
| Total risk-based capital ratio | 27.8643% | 706 |
| Memoranda: | ||
| Average total assets | $41,730,000 | 6,892 |
| Average earning assets | $39,188,750 | 6,826 |
| Average equity | $7,177,000 | 6,050 |
| Average total loans | $31,694,000 | 6,409 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1028% | 4,438 |
| Cost of funding earning assets | 1.4756% | 3,396 |
| Net interest margin | 3.6272% | 4,703 |
| Noninterest income to average assets | 0.3287% | 5,528 |
| Noninterest expense to average assets | 2.1900% | 6,669 |
| Loan and lease loss provision to assets | 0.1450% | 5,444 |
| Net operating income to assets | 1.3923% | 1,109 |
| Return on assets (ROA) | 1.3923% | 1,176 |
| Pretax return on assets | 1.3923% | 1,858 |
| Return on Equity (ROE) | 8.0608% | 2,863 |
| Retained earnings to average equity (ytd only) | 4.3663% | 3,296 |
| Net charge-offs to loans | 0.0822% | 5,318 |
| Credit loss provision to net charge-offs | 230.7692% | 1,677 |
| Earnings coverage of net charge-offs (x) | 24.4615% | 1,069 |
| Efficiency ratio | 58.7549% | 6,264 |
| Assets per employee ($millions) | 4.6959% | 2,591 |
| Cash dividends to net income (ytd only)* | 45.8333% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 6,137 |
| Loan loss allowance to noncurrent loans | 52.6398% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 2.2810% | 3,157 |
| Noncurrent loans to loans | 2.0143% | 3,698 |
| Net loans and leases to total assets | 74.8456% | 1,726 |
| Net loans and leases to deposits | 91.8254% | 1,564 |
| Net loans and leases to core deposits | 105.9237% | 1,455 |
| Total domestic deposits to total assets | 81.5086% | 5,195 |
| Equity capital to assets | 17.0598% | 518 |
| Core capital (leverage) ratio | 16.8086% | 461 |
| Tier 1 risk-based capital ratio | 26.6120% | 725 |
| Total risk-based capital ratio | 27.8627% | 717 |
| Memoranda: | ||
| Average total assets | $41,369,670 | 6,947 |
| Average earning assets | $38,763,000 | 6,897 |
| Average equity | $7,145,670 | 6,096 |
| Average total loans | $31,633,330 | 6,455 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1737% | 4,174 |
| Cost of funding earning assets | 1.5229% | 3,412 |
| Net interest margin | 3.6508% | 4,483 |
| Noninterest income to average assets | 0.3226% | 5,568 |
| Noninterest expense to average assets | 2.2481% | 6,553 |
| Loan and lease loss provision to assets | 0.1466% | 5,082 |
| Net operating income to assets | 1.3489% | 1,188 |
| Return on assets (ROA) | 1.3489% | 1,259 |
| Pretax return on assets | 1.3489% | 1,907 |
| Return on Equity (ROE) | 7.7599% | 2,994 |
| Retained earnings to average equity (ytd only) | 4.0486% | 3,725 |
| Net charge-offs to loans | 0.1271% | 4,204 |
| Credit loss provision to net charge-offs | 150.0000% | 2,371 |
| Earnings coverage of net charge-offs (x) | 15.3000% | 1,389 |
| Efficiency ratio | 60.0522% | 6,162 |
| Assets per employee ($millions) | 4.5111% | 2,937 |
| Cash dividends to net income (ytd only)* | 47.8261% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 6,274 |
| Loan loss allowance to noncurrent loans | 75.5196% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.8547% | 3,701 |
| Noncurrent loans to loans | 1.3795% | 4,669 |
| Net loans and leases to total assets | 76.5074% | 1,432 |
| Net loans and leases to deposits | 97.4066% | 966 |
| Net loans and leases to core deposits | 112.9527% | 1,099 |
| Total domestic deposits to total assets | 78.5443% | 6,191 |
| Equity capital to assets | 17.5542% | 464 |
| Core capital (leverage) ratio | 16.8530% | 467 |
| Tier 1 risk-based capital ratio | 27.0240% | 706 |
| Total risk-based capital ratio | 28.2746% | 690 |
| Memoranda: | ||
| Average total assets | $40,923,000 | 7,058 |
| Average earning assets | $38,348,000 | 7,007 |
| Average equity | $7,113,500 | 6,153 |
| Average total loans | $31,464,500 | 6,545 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4342% | 4,518 |
| Cost of funding earning assets | 1.8497% | 3,736 |
| Net interest margin | 3.5845% | 4,603 |
| Noninterest income to average assets | 0.3563% | 5,553 |
| Noninterest expense to average assets | 2.2917% | 6,767 |
| Loan and lease loss provision to assets | 0.1952% | 5,782 |
| Net operating income to assets | 1.2179% | 1,201 |
| Return on assets (ROA) | 1.2179% | 1,253 |
| Pretax return on assets | 1.2179% | 1,907 |
| Return on Equity (ROE) | 7.1133% | 2,750 |
| Retained earnings to average equity (ytd only) | 3.3500% | 2,824 |
| Net charge-offs to loans | 0.2085% | 5,322 |
| Credit loss provision to net charge-offs | 123.0769% | 4,294 |
| Earnings coverage of net charge-offs (x) | 8.9077% | 1,868 |
| Efficiency ratio | 61.8577% | 6,178 |
| Assets per employee ($millions) | 4.5829% | 2,791 |
| Cash dividends to net income (ytd only)* | 52.9058% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0209% | 6,263 |
| Loan loss allowance to noncurrent loans | 60.5263% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 2.0657% | 3,313 |
| Noncurrent loans to loans | 1.6867% | 4,117 |
| Net loans and leases to total assets | 75.6873% | 1,883 |
| Net loans and leases to deposits | 95.8195% | 1,351 |
| Net loans and leases to core deposits | 128.8509% | 1,345 |
| Total domestic deposits to total assets | 78.9895% | 5,981 |
| Equity capital to assets | 17.2138% | 532 |
| Core capital (leverage) ratio | 16.6927% | 527 |
| Tier 1 risk-based capital ratio | 26.6884% | 716 |
| Total risk-based capital ratio | 27.9247% | 706 |
| Memoranda: | ||
| Average total assets | $40,973,200 | 7,055 |
| Average earning assets | $38,276,200 | 7,005 |
| Average equity | $7,015,000 | 6,262 |
| Average total loans | $31,167,600 | 6,574 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4184% | 4,858 |
| Cost of funding earning assets | 1.9317% | 3,704 |
| Net interest margin | 3.4868% | 4,915 |
| Noninterest income to average assets | 0.3716% | 5,537 |
| Noninterest expense to average assets | 2.3305% | 6,624 |
| Loan and lease loss provision to assets | 0.1467% | 5,892 |
| Net operating income to assets | 1.1539% | 1,578 |
| Return on assets (ROA) | 1.1539% | 1,640 |
| Pretax return on assets | 1.1539% | 2,401 |
| Return on Equity (ROE) | 6.7487% | 3,182 |
| Retained earnings to average equity (ytd only) | 2.9739% | 3,665 |
| Net charge-offs to loans | 0.0858% | 5,827 |
| Credit loss provision to net charge-offs | 225.0000% | 1,940 |
| Earnings coverage of net charge-offs (x) | 19.9471% | 1,259 |
| Efficiency ratio | 64.1831% | 5,713 |
| Assets per employee ($millions) | 4.7156% | 2,531 |
| Cash dividends to net income (ytd only)* | 55.9313% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 6,034 |
| Loan loss allowance to noncurrent loans | 60.4736% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 2.2290% | 3,058 |
| Noncurrent loans to loans | 1.7286% | 4,046 |
| Net loans and leases to total assets | 74.0528% | 2,505 |
| Net loans and leases to deposits | 93.0731% | 2,049 |
| Net loans and leases to core deposits | 129.9107% | 1,440 |
| Total domestic deposits to total assets | 79.5641% | 5,604 |
| Equity capital to assets | 16.6517% | 683 |
| Core capital (leverage) ratio | 15.8674% | 697 |
| Tier 1 risk-based capital ratio | 25.8142% | 828 |
| Total risk-based capital ratio | 27.0613% | 815 |
| Memoranda: | ||
| Average total assets | $40,905,000 | 7,109 |
| Average earning assets | $38,239,000 | 7,062 |
| Average equity | $6,993,750 | 6,316 |
| Average total loans | $31,074,500 | 6,623 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4744% | 4,752 |
| Cost of funding earning assets | 2.0317% | 3,616 |
| Net interest margin | 3.4427% | 5,013 |
| Noninterest income to average assets | 0.3416% | 5,776 |
| Noninterest expense to average assets | 2.3717% | 6,550 |
| Loan and lease loss provision to assets | 0.1485% | 5,594 |
| Net operating income to assets | 1.0348% | 1,990 |
| Return on assets (ROA) | 1.0348% | 2,068 |
| Pretax return on assets | 1.0348% | 2,862 |
| Return on Equity (ROE) | 5.9977% | 3,650 |
| Retained earnings to average equity (ytd only) | 2.2097% | 4,111 |
| Net charge-offs to loans | 0.1037% | 5,125 |
| Credit loss provision to net charge-offs | 187.5000% | 2,434 |
| Earnings coverage of net charge-offs (x) | 14.9375% | 1,624 |
| Efficiency ratio | 66.7131% | 5,415 |
| Assets per employee ($millions) | 4.1111% | 3,465 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 6,054 |
| Loan loss allowance to noncurrent loans | 237.7778% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 1.2430% | 4,449 |
| Noncurrent loans to loans | 0.4307% | 6,441 |
| Net loans and leases to total assets | 75.4591% | 2,326 |
| Net loans and leases to deposits | 95.4905% | 1,873 |
| Net loans and leases to core deposits | 132.1266% | 1,428 |
| Total domestic deposits to total assets | 79.0226% | 5,806 |
| Equity capital to assets | 16.9979% | 665 |
| Core capital (leverage) ratio | 16.2489% | 712 |
| Tier 1 risk-based capital ratio | 26.1783% | 844 |
| Total risk-based capital ratio | 27.4153% | 822 |
| Memoranda: | ||
| Average total assets | $40,393,330 | 7,189 |
| Average earning assets | $37,702,670 | 7,142 |
| Average equity | $6,969,330 | 6,380 |
| Average total loans | $30,846,000 | 6,684 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4164% | 5,334 |
| Cost of funding earning assets | 2.0759% | 3,763 |
| Net interest margin | 3.3404% | 5,367 |
| Noninterest income to average assets | 0.2798% | 6,189 |
| Noninterest expense to average assets | 2.2980% | 6,551 |
| Loan and lease loss provision to assets | 0.1499% | 5,010 |
| Net operating income to assets | 0.9991% | 2,315 |
| Return on assets (ROA) | 0.9991% | 2,451 |
| Pretax return on assets | 0.9991% | 3,349 |
| Return on Equity (ROE) | 5.7471% | 4,147 |
| Retained earnings to average equity (ytd only) | 1.9540% | 4,768 |
| Net charge-offs to loans | -0.0131% | 7,339 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 5,200 |
| Assets per employee ($millions) | 3.9774% | 3,707 |
| Cash dividends to net income (ytd only)* | 66.0000% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0344% | 5,904 |
| Loan loss allowance to noncurrent loans | 195.7576% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 1.3602% | 3,941 |
| Noncurrent loans to loans | 0.5284% | 6,099 |
| Net loans and leases to total assets | 77.6990% | 1,894 |
| Net loans and leases to deposits | 95.9186% | 1,962 |
| Net loans and leases to core deposits | 133.6736% | 1,432 |
| Total domestic deposits to total assets | 81.0052% | 4,966 |
| Equity capital to assets | 17.5064% | 670 |
| Core capital (leverage) ratio | 16.5073% | 715 |
| Tier 1 risk-based capital ratio | 26.4043% | 854 |
| Total risk-based capital ratio | 27.6561% | 840 |
| Memoranda: | ||
| Average total assets | $40,034,500 | 7,248 |
| Average earning assets | $37,959,000 | 7,171 |
| Average equity | $6,960,000 | 6,427 |
| Average total loans | $30,597,500 | 6,730 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5839% | 7,124 |
| Cost of funding earning assets | 2.3311% | 5,004 |
| Net interest margin | 3.2528% | 6,203 |
| Noninterest income to average assets | 0.2764% | 6,483 |
| Noninterest expense to average assets | 2.2318% | 6,892 |
| Loan and lease loss provision to assets | 0.4070% | 3,245 |
| Net operating income to assets | 0.7448% | 3,696 |
| Return on assets (ROA) | 0.7448% | 3,535 |
| Pretax return on assets | 0.7448% | 4,262 |
| Return on Equity (ROE) | 4.2352% | 4,718 |
| Retained earnings to average equity (ytd only) | -0.0873% | 5,293 |
| Net charge-offs to loans | 0.4506% | 2,576 |
| Credit loss provision to net charge-offs | 119.5489% | 4,501 |
| Earnings coverage of net charge-offs (x) | 3.3835% | 4,394 |
| Efficiency ratio | 65.9607% | 5,135 |
| Assets per employee ($millions) | 4.0295% | 3,450 |
| Cash dividends to net income (ytd only)* | 102.0619% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 5,824 |
| Loan loss allowance to noncurrent loans | 213.1944% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 1.2905% | 3,642 |
| Noncurrent loans to loans | 0.4805% | 5,907 |
| Net loans and leases to total assets | 73.6096% | 3,202 |
| Net loans and leases to deposits | 90.5348% | 3,357 |
| Net loans and leases to core deposits | 125.0991% | 2,242 |
| Total domestic deposits to total assets | 81.3054% | 4,509 |
| Equity capital to assets | 17.2652% | 749 |
| Core capital (leverage) ratio | 16.6386% | 742 |
| Tier 1 risk-based capital ratio | 26.9240% | 834 |
| Total risk-based capital ratio | 28.1546% | 813 |
| Memoranda: | ||
| Average total assets | $39,070,800 | 7,256 |
| Average earning assets | $37,321,800 | 7,179 |
| Average equity | $6,871,000 | 6,501 |
| Average total loans | $29,514,000 | 6,738 |