Home > The Samson Banking Company, Inc. > Performance and Condition Ratios
The Samson Banking Company, Inc., Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1498% | 2,831 |
| Cost of funding earning assets | 1.4122% | 3,389 |
| Net interest margin | 3.7377% | 1,805 |
| Noninterest income to average assets | 0.5600% | 1,482 |
| Noninterest expense to average assets | 2.3991% | 2,583 |
| Loan and lease loss provision to assets | -0.0100% | 4,145 |
| Net operating income to assets | 1.6937% | 755 |
| Return on assets (ROA) | 1.6937% | 754 |
| Pretax return on assets | 1.7959% | 957 |
| Return on Equity (ROE) | 12.5200% | 1,612 |
| Retained earnings to average equity (ytd only) | 7.4828% | 1,838 |
| Net charge-offs to loans | -0.0286% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 57.3290% | 3,262 |
| Assets per employee ($millions) | 5.4067% | 3,390 |
| Cash dividends to net income (ytd only)* | 40.2414% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 975 |
| Loan loss allowance to noncurrent loans | 2,909.0909% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 3,606 |
| Noncurrent loans to loans | 0.0521% | 3,418 |
| Net loans and leases to total assets | 34.9800% | 4,108 |
| Net loans and leases to deposits | 40.7755% | 4,112 |
| Net loans and leases to core deposits | 42.4885% | 4,125 |
| Total domestic deposits to total assets | 85.7900% | 2,379 |
| Equity capital to assets | 13.7498% | 742 |
| Core capital (leverage) ratio | 14.6319% | 657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $117,378,500 | 3,630 |
| Average earning assets | $113,867,500 | 3,588 |
| Average equity | $15,876,500 | 3,297 |
| Average total loans | $41,930,000 | 3,935 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0548% | 2,994 |
| Cost of funding earning assets | 1.4178% | 3,497 |
| Net interest margin | 3.6370% | 1,813 |
| Noninterest income to average assets | 1.1300% | 498 |
| Noninterest expense to average assets | 2.5039% | 2,294 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 2.0043% | 387 |
| Return on assets (ROA) | 1.8645% | 495 |
| Pretax return on assets | 1.9662% | 635 |
| Return on Equity (ROE) | 14.5400% | 1,018 |
| Retained earnings to average equity (ytd only) | 8.3878% | 989 |
| Net charge-offs to loans | 0.1088% | 1,114 |
| Credit loss provision to net charge-offs | 97.7778% | 1,935 |
| Earnings coverage of net charge-offs (x) | 53.6444% | 1,178 |
| Efficiency ratio | 53.7725% | 3,739 |
| Assets per employee ($millions) | 4.8254% | 3,755 |
| Cash dividends to net income (ytd only)* | 42.3242% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9778% | 385 |
| Loan loss allowance to noncurrent loans | 3,429.1667% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 3,573 |
| Noncurrent loans to loans | 0.0577% | 3,355 |
| Net loans and leases to total assets | 35.2200% | 4,134 |
| Net loans and leases to deposits | 40.7851% | 4,137 |
| Net loans and leases to core deposits | 42.6572% | 4,154 |
| Total domestic deposits to total assets | 86.3500% | 2,100 |
| Equity capital to assets | 13.2959% | 824 |
| Core capital (leverage) ratio | 14.9142% | 609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $112,146,000 | 3,677 |
| Average earning assets | $108,688,800 | 3,616 |
| Average equity | $14,378,000 | 3,381 |
| Average total loans | $41,362,800 | 3,940 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9825% | 3,068 |
| Cost of funding earning assets | 1.3999% | 3,520 |
| Net interest margin | 3.5826% | 1,871 |
| Noninterest income to average assets | 1.0800% | 527 |
| Noninterest expense to average assets | 2.5304% | 2,153 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 1.8934% | 510 |
| Return on assets (ROA) | 1.7693% | 625 |
| Pretax return on assets | 1.8688% | 786 |
| Return on Equity (ROE) | 13.9300% | 1,165 |
| Retained earnings to average equity (ytd only) | 7.5525% | 1,545 |
| Net charge-offs to loans | 0.0581% | 1,326 |
| Credit loss provision to net charge-offs | 100.0000% | 1,657 |
| Earnings coverage of net charge-offs (x) | 93.6667% | 828 |
| Efficiency ratio | 55.5965% | 3,588 |
| Assets per employee ($millions) | 4.4766% | 3,944 |
| Cash dividends to net income (ytd only)* | 45.7995% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9241% | 454 |
| Loan loss allowance to noncurrent loans | 465.5367% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 2,681 |
| Noncurrent loans to loans | 0.4133% | 2,041 |
| Net loans and leases to total assets | 37.5300% | 4,099 |
| Net loans and leases to deposits | 43.8242% | 4,106 |
| Net loans and leases to core deposits | 45.9088% | 4,127 |
| Total domestic deposits to total assets | 85.6400% | 2,065 |
| Equity capital to assets | 13.9588% | 744 |
| Core capital (leverage) ratio | 15.0264% | 624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $111,230,000 | 3,692 |
| Average earning assets | $107,814,750 | 3,635 |
| Average equity | $14,123,000 | 3,407 |
| Average total loans | $41,300,750 | 3,955 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8991% | 3,113 |
| Cost of funding earning assets | 1.3860% | 3,486 |
| Net interest margin | 3.5132% | 1,935 |
| Noninterest income to average assets | 1.3000% | 416 |
| Noninterest expense to average assets | 2.5063% | 2,226 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 2.0718% | 398 |
| Return on assets (ROA) | 2.0324% | 422 |
| Pretax return on assets | 2.1441% | 523 |
| Return on Equity (ROE) | 16.5600% | 759 |
| Retained earnings to average equity (ytd only) | 8.4120% | 1,251 |
| Net charge-offs to loans | 0.0490% | 1,304 |
| Credit loss provision to net charge-offs | 100.0000% | 1,486 |
| Earnings coverage of net charge-offs (x) | 122.3000% | 687 |
| Efficiency ratio | 53.2135% | 3,814 |
| Assets per employee ($millions) | 4.4362% | 3,943 |
| Cash dividends to net income (ytd only)* | 49.2021% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5483% | 964 |
| Loan loss allowance to noncurrent loans | 1,641.0256% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 3,458 |
| Noncurrent loans to loans | 0.0944% | 3,178 |
| Net loans and leases to total assets | 36.6900% | 4,132 |
| Net loans and leases to deposits | 42.6161% | 4,145 |
| Net loans and leases to core deposits | 44.4890% | 4,155 |
| Total domestic deposits to total assets | 86.1000% | 1,949 |
| Equity capital to assets | 12.6776% | 962 |
| Core capital (leverage) ratio | 14.8300% | 650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $111,001,667 | 3,705 |
| Average earning assets | $107,651,333 | 3,646 |
| Average equity | $13,623,333 | 3,430 |
| Average total loans | $40,792,333 | 3,975 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7540% | 3,233 |
| Cost of funding earning assets | 1.2804% | 3,590 |
| Net interest margin | 3.4737% | 1,947 |
| Noninterest income to average assets | 1.3500% | 370 |
| Noninterest expense to average assets | 2.4061% | 2,500 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.1900% | 351 |
| Return on assets (ROA) | 2.1900% | 352 |
| Pretax return on assets | 2.3161% | 416 |
| Return on Equity (ROE) | 18.1400% | 594 |
| Retained earnings to average equity (ytd only) | 12.1746% | 710 |
| Net charge-offs to loans | 0.0099% | 1,723 |
| Credit loss provision to net charge-offs | 100.0000% | 1,145 |
| Earnings coverage of net charge-offs (x) | 644.0000% | 158 |
| Efficiency ratio | 50.9146% | 3,976 |
| Assets per employee ($millions) | 4.6037% | 3,887 |
| Cash dividends to net income (ytd only)* | 32.8947% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5844% | 880 |
| Loan loss allowance to noncurrent loans | 1,032.2581% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 3,292 |
| Noncurrent loans to loans | 0.1535% | 2,851 |
| Net loans and leases to total assets | 35.9800% | 4,144 |
| Net loans and leases to deposits | 42.0581% | 4,142 |
| Net loans and leases to core deposits | 43.9156% | 4,205 |
| Total domestic deposits to total assets | 85.5500% | 2,241 |
| Equity capital to assets | 12.2013% | 1,069 |
| Core capital (leverage) ratio | 14.7950% | 632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $111,050,500 | 3,719 |
| Average earning assets | $107,782,500 | 3,662 |
| Average equity | $13,405,000 | 3,465 |
| Average total loans | $40,521,000 | 3,991 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2700% | 3,485 |
| Cost of funding earning assets | 0.8800% | 3,563 |
| Net interest margin | 3.3900% | 2,424 |
| Noninterest income to average assets | 1.6200% | 355 |
| Noninterest expense to average assets | 2.8605% | 1,369 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.8808% | 539 |
| Return on assets (ROA) | 1.6460% | 771 |
| Pretax return on assets | 1.7205% | 1,022 |
| Return on Equity (ROE) | 15.9200% | 1,110 |
| Retained earnings to average equity (ytd only) | 8.9307% | 1,273 |
| Net charge-offs to loans | 0.2215% | 489 |
| Credit loss provision to net charge-offs | 102.2222% | 1,815 |
| Earnings coverage of net charge-offs (x) | 25.9222% | 1,720 |
| Efficiency ratio | 58.3021% | 3,263 |
| Assets per employee ($millions) | 4.8527% | 3,738 |
| Cash dividends to net income (ytd only)* | 43.8998% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5745% | 887 |
| Loan loss allowance to noncurrent loans | 955.2239% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 3,173 |
| Noncurrent loans to loans | 0.1648% | 2,695 |
| Net loans and leases to total assets | 35.8400% | 4,162 |
| Net loans and leases to deposits | 40.9803% | 4,177 |
| Net loans and leases to core deposits | 42.7261% | 4,232 |
| Total domestic deposits to total assets | 87.4700% | 1,532 |
| Equity capital to assets | 11.9422% | 1,146 |
| Core capital (leverage) ratio | 14.2205% | 756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $114,035,800 | 3,708 |
| Average earning assets | $110,678,000 | 3,641 |
| Average equity | $11,790,800 | 3,546 |
| Average total loans | $40,627,800 | 3,986 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1488% | 3,562 |
| Cost of funding earning assets | 0.7883% | 3,559 |
| Net interest margin | 3.3605% | 2,546 |
| Noninterest income to average assets | 1.1600% | 521 |
| Noninterest expense to average assets | 2.6842% | 1,714 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.6131% | 921 |
| Return on assets (ROA) | 1.5561% | 1,006 |
| Pretax return on assets | 1.6294% | 1,297 |
| Return on Equity (ROE) | 15.6400% | 1,317 |
| Retained earnings to average equity (ytd only) | 9.7488% | 1,472 |
| Net charge-offs to loans | 0.3052% | 287 |
| Credit loss provision to net charge-offs | 48.3871% | 1,901 |
| Earnings coverage of net charge-offs (x) | 16.0968% | 1,942 |
| Efficiency ratio | 60.6570% | 2,894 |
| Assets per employee ($millions) | 4.6889% | 3,824 |
| Cash dividends to net income (ytd only)* | 37.6682% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 1,150 |
| Loan loss allowance to noncurrent loans | 1,156.8627% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 3,354 |
| Noncurrent loans to loans | 0.1282% | 2,910 |
| Net loans and leases to total assets | 34.8200% | 4,222 |
| Net loans and leases to deposits | 39.4695% | 4,218 |
| Net loans and leases to core deposits | 41.1004% | 4,236 |
| Total domestic deposits to total assets | 88.2100% | 1,506 |
| Equity capital to assets | 10.0734% | 1,789 |
| Core capital (leverage) ratio | 13.8935% | 847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $114,641,500 | 3,713 |
| Average earning assets | $111,291,750 | 3,645 |
| Average equity | $11,406,250 | 3,584 |
| Average total loans | $40,623,000 | 3,994 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0486% | 3,591 |
| Cost of funding earning assets | 0.6426% | 3,650 |
| Net interest margin | 3.4060% | 2,498 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.4726% | 2,285 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.2346% | 1,736 |
| Return on assets (ROA) | 1.2346% | 1,730 |
| Pretax return on assets | 1.2866% | 2,120 |
| Return on Equity (ROE) | 12.4600% | 2,023 |
| Retained earnings to average equity (ytd only) | 5.5645% | 2,760 |
| Net charge-offs to loans | 0.4596% | 183 |
| Credit loss provision to net charge-offs | 48.9362% | 1,680 |
| Earnings coverage of net charge-offs (x) | 8.3830% | 2,058 |
| Efficiency ratio | 64.4083% | 2,433 |
| Assets per employee ($millions) | 4.5780% | 3,895 |
| Cash dividends to net income (ytd only)* | 55.3371% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 1,237 |
| Loan loss allowance to noncurrent loans | 766.2338% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 3,094 |
| Noncurrent loans to loans | 0.1933% | 2,502 |
| Net loans and leases to total assets | 34.2900% | 4,230 |
| Net loans and leases to deposits | 38.1965% | 4,252 |
| Net loans and leases to core deposits | 40.0092% | 4,256 |
| Total domestic deposits to total assets | 89.7700% | 985 |
| Equity capital to assets | 10.0612% | 1,818 |
| Core capital (leverage) ratio | 13.3186% | 931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $115,344,000 | 3,721 |
| Average earning assets | $112,038,667 | 3,652 |
| Average equity | $11,429,667 | 3,598 |
| Average total loans | $40,907,667 | 4,004 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9497% | 3,551 |
| Cost of funding earning assets | 0.4871% | 3,740 |
| Net interest margin | 3.4627% | 2,467 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.6116% | 1,915 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.0778% | 2,297 |
| Return on assets (ROA) | 1.0778% | 2,267 |
| Pretax return on assets | 1.1400% | 2,598 |
| Return on Equity (ROE) | 10.9600% | 2,503 |
| Retained earnings to average equity (ytd only) | 4.8125% | 3,064 |
| Net charge-offs to loans | 0.4150% | 193 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 8.6744% | 1,712 |
| Efficiency ratio | 66.9619% | 2,094 |
| Assets per employee ($millions) | 5.0061% | 3,655 |
| Cash dividends to net income (ytd only)* | 56.0897% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 1,136 |
| Loan loss allowance to noncurrent loans | 1,181.4815% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 3,316 |
| Noncurrent loans to loans | 0.1308% | 2,857 |
| Net loans and leases to total assets | 35.3100% | 4,215 |
| Net loans and leases to deposits | 39.4590% | 4,239 |
| Net loans and leases to core deposits | 41.1884% | 4,241 |
| Total domestic deposits to total assets | 89.4800% | 1,348 |
| Equity capital to assets | 10.4003% | 1,612 |
| Core capital (leverage) ratio | 13.0910% | 956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.2026% | 212 |
| Memoranda: | ||
| Average total assets | $115,791,000 | 3,762 |
| Average earning assets | $112,513,500 | 3,692 |
| Average equity | $11,387,000 | 3,634 |
| Average total loans | $41,444,000 | 4,043 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6136% | 2,765 |
| Cost of funding earning assets | 0.1739% | 3,967 |
| Net interest margin | 3.4397% | 2,134 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 2.1054% | 3,278 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.7665% | 474 |
| Return on assets (ROA) | 1.1761% | 1,809 |
| Pretax return on assets | 1.2281% | 2,344 |
| Return on Equity (ROE) | 11.7600% | 2,225 |
| Retained earnings to average equity (ytd only) | 6.0426% | 2,627 |
| Net charge-offs to loans | 0.0642% | 1,002 |
| Credit loss provision to net charge-offs | 235.7143% | 1,026 |
| Earnings coverage of net charge-offs (x) | 78.3571% | 1,097 |
| Efficiency ratio | 52.5622% | 3,931 |
| Assets per employee ($millions) | 4.8517% | 3,780 |
| Cash dividends to net income (ytd only)* | 48.6009% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 1,110 |
| Loan loss allowance to noncurrent loans | 1,181.4815% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 3,347 |
| Noncurrent loans to loans | 0.1298% | 2,861 |
| Net loans and leases to total assets | 35.1700% | 4,251 |
| Net loans and leases to deposits | 38.8067% | 4,277 |
| Net loans and leases to core deposits | 40.0190% | 4,279 |
| Total domestic deposits to total assets | 90.6400% | 1,088 |
| Equity capital to assets | 9.2742% | 2,175 |
| Core capital (leverage) ratio | 12.6346% | 1,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $115,463,200 | 3,770 |
| Average earning assets | $112,132,400 | 3,701 |
| Average equity | $11,551,400 | 3,708 |
| Average total loans | $43,606,000 | 4,001 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4757% | 2,693 |
| Cost of funding earning assets | 0.1323% | 4,014 |
| Net interest margin | 3.3434% | 2,162 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.1165% | 3,169 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.7018% | 530 |
| Return on assets (ROA) | 0.9130% | 2,791 |
| Pretax return on assets | 0.9558% | 3,154 |
| Return on Equity (ROE) | 8.9600% | 3,043 |
| Retained earnings to average equity (ytd only) | 3.6344% | 3,573 |
| Net charge-offs to loans | 0.0605% | 880 |
| Credit loss provision to net charge-offs | 290.0000% | 827 |
| Earnings coverage of net charge-offs (x) | 79.7000% | 1,048 |
| Efficiency ratio | 53.4327% | 3,876 |
| Assets per employee ($millions) | 4.9427% | 3,723 |
| Cash dividends to net income (ytd only)* | 59.4423% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 1,310 |
| Loan loss allowance to noncurrent loans | 3,038.0952% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 3,775 |
| Noncurrent loans to loans | 0.0491% | 3,524 |
| Net loans and leases to total assets | 35.4800% | 4,253 |
| Net loans and leases to deposits | 38.7766% | 4,280 |
| Net loans and leases to core deposits | 39.9597% | 4,277 |
| Total domestic deposits to total assets | 91.5100% | 1,048 |
| Equity capital to assets | 8.3785% | 2,617 |
| Core capital (leverage) ratio | 12.3181% | 1,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $115,218,750 | 3,799 |
| Average earning assets | $111,861,000 | 3,731 |
| Average equity | $11,739,500 | 3,740 |
| Average total loans | $44,108,750 | 4,016 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3493% | 2,575 |
| Cost of funding earning assets | 0.1192% | 3,974 |
| Net interest margin | 3.2301% | 2,106 |
| Noninterest income to average assets | 0.8187% | 1,005 |
| Noninterest expense to average assets | 2.0915% | 3,178 |
| Loan and lease loss provision to assets | 0.0561% | 1,579 |
| Net operating income to assets | 1.7508% | 379 |
| Return on assets (ROA) | 0.5435% | 3,740 |
| Pretax return on assets | 0.5627% | 3,891 |
| Return on Equity (ROE) | 5.0244% | 3,812 |
| Retained earnings to average equity (ytd only) | -1.5235% | 4,346 |
| Net charge-offs to loans | 0.0538% | 855 |
| Credit loss provision to net charge-offs | 266.6667% | 841 |
| Earnings coverage of net charge-offs (x) | 88.5833% | 873 |
| Efficiency ratio | 52.8812% | 4,055 |
| Assets per employee ($millions) | 5.0775% | 3,612 |
| Cash dividends to net income (ytd only)* | 130.3226% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 1,904 |
| Loan loss allowance to noncurrent loans | 311.5578% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 2,508 |
| Noncurrent loans to loans | 0.4382% | 1,809 |
| Net loans and leases to total assets | 38.3527% | 4,152 |
| Net loans and leases to deposits | 42.3665% | 4,182 |
| Net loans and leases to core deposits | 43.6915% | 4,201 |
| Total domestic deposits to total assets | 90.5259% | 1,454 |
| Equity capital to assets | 9.3191% | 2,149 |
| Core capital (leverage) ratio | 12.1464% | 1,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,083,333 | 3,850 |
| Average earning assets | $110,769,667 | 3,797 |
| Average equity | $12,339,667 | 3,752 |
| Average total loans | $44,568,333 | 4,060 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4785% | 1,873 |
| Cost of funding earning assets | 0.1242% | 3,845 |
| Net interest margin | 3.3543% | 1,426 |
| Noninterest income to average assets | 0.5287% | 2,001 |
| Noninterest expense to average assets | 2.0757% | 3,237 |
| Loan and lease loss provision to assets | 0.0745% | 1,107 |
| Net operating income to assets | 1.5506% | 571 |
| Return on assets (ROA) | 1.5506% | 564 |
| Pretax return on assets | 1.6357% | 781 |
| Return on Equity (ROE) | 13.3762% | 961 |
| Retained earnings to average equity (ytd only) | 5.7239% | 2,343 |
| Net charge-offs to loans | 0.1359% | 415 |
| Credit loss provision to net charge-offs | 140.0000% | 881 |
| Earnings coverage of net charge-offs (x) | 32.1333% | 1,100 |
| Efficiency ratio | 54.8266% | 3,993 |
| Assets per employee ($millions) | 4.6918% | 4,005 |
| Cash dividends to net income (ytd only)* | 57.2082% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 2,079 |
| Loan loss allowance to noncurrent loans | 12,120.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,046 |
| Noncurrent loans to loans | 0.0112% | 3,939 |
| Net loans and leases to total assets | 39.0869% | 4,069 |
| Net loans and leases to deposits | 43.9006% | 4,067 |
| Net loans and leases to core deposits | 45.2106% | 4,109 |
| Total domestic deposits to total assets | 89.0349% | 2,067 |
| Equity capital to assets | 10.7688% | 1,458 |
| Core capital (leverage) ratio | 12.7084% | 842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,734,000 | 3,886 |
| Average earning assets | $109,471,500 | 3,827 |
| Average equity | $13,068,000 | 3,747 |
| Average total loans | $44,148,000 | 4,075 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 1,274 |
| Cost of funding earning assets | 0.1538% | 3,930 |
| Net interest margin | 3.8832% | 866 |
| Noninterest income to average assets | 2.2642% | 259 |
| Noninterest expense to average assets | 2.5683% | 1,961 |
| Loan and lease loss provision to assets | 0.0344% | 2,369 |
| Net operating income to assets | 3.2265% | 86 |
| Return on assets (ROA) | 3.2388% | 89 |
| Pretax return on assets | 3.4322% | 103 |
| Return on Equity (ROE) | 26.1282% | 104 |
| Retained earnings to average equity (ytd only) | 15.6259% | 189 |
| Net charge-offs to loans | -0.0089% | 3,699 |
| Credit loss provision to net charge-offs | -925.0000% | 3,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6498% | 4,620 |
| Assets per employee ($millions) | 4.5146% | 4,105 |
| Cash dividends to net income (ytd only)* | 40.1952% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 2,029 |
| 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 | 38.1668% | 4,186 |
| Net loans and leases to deposits | 43.7299% | 4,190 |
| Net loans and leases to core deposits | 45.0587% | 4,229 |
| Total domestic deposits to total assets | 87.2786% | 2,397 |
| Equity capital to assets | 12.4131% | 1,091 |
| Core capital (leverage) ratio | 12.5410% | 916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,541,400 | 3,918 |
| Average earning assets | $104,063,800 | 3,866 |
| Average equity | $13,330,400 | 3,800 |
| Average total loans | $44,966,800 | 4,089 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0832% | 1,341 |
| Cost of funding earning assets | 0.1623% | 3,998 |
| Net interest margin | 3.9210% | 901 |
| Noninterest income to average assets | 2.8609% | 209 |
| Noninterest expense to average assets | 2.5923% | 1,864 |
| Loan and lease loss provision to assets | 0.0443% | 2,110 |
| Net operating income to assets | 3.7723% | 76 |
| Return on assets (ROA) | 3.7723% | 77 |
| Pretax return on assets | 4.0158% | 85 |
| Return on Equity (ROE) | 30.4439% | 87 |
| Retained earnings to average equity (ytd only) | 19.4517% | 150 |
| Net charge-offs to loans | -0.0177% | 3,924 |
| Credit loss provision to net charge-offs | -583.3333% | 3,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9696% | 4,747 |
| Assets per employee ($millions) | 4.4867% | 4,134 |
| Cash dividends to net income (ytd only)* | 36.1065% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 2,296 |
| Loan loss allowance to noncurrent loans | 30,000.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 4,276 |
| Noncurrent loans to loans | 0.0045% | 4,184 |
| Net loans and leases to total assets | 39.4917% | 4,235 |
| Net loans and leases to deposits | 45.6708% | 4,245 |
| Net loans and leases to core deposits | 47.0909% | 4,279 |
| Total domestic deposits to total assets | 86.4703% | 2,573 |
| Equity capital to assets | 12.7799% | 1,062 |
| Core capital (leverage) ratio | 12.4814% | 988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,210,500 | 3,979 |
| Average earning assets | $102,693,500 | 3,926 |
| Average equity | $13,160,500 | 3,866 |
| Average total loans | $45,289,250 | 4,141 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2974% | 3,432 |
| Cost of funding earning assets | 0.1706% | 4,038 |
| Net interest margin | 3.1268% | 2,965 |
| Noninterest income to average assets | 0.5699% | 2,339 |
| Noninterest expense to average assets | 2.2701% | 2,850 |
| Loan and lease loss provision to assets | 0.0326% | 2,331 |
| Net operating income to assets | 1.2243% | 2,096 |
| Return on assets (ROA) | 1.2243% | 2,168 |
| Pretax return on assets | 1.2914% | 2,658 |
| Return on Equity (ROE) | 9.9930% | 2,739 |
| Retained earnings to average equity (ytd only) | 3.9001% | 3,550 |
| Net charge-offs to loans | -0.0308% | 4,166 |
| Credit loss provision to net charge-offs | -242.8571% | 3,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1607% | 2,545 |
| Assets per employee ($millions) | 4.5529% | 4,063 |
| Cash dividends to net income (ytd only)* | 60.9718% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 2,894 |
| Loan loss allowance to noncurrent loans | 844.9275% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.0631% | 3,803 |
| Noncurrent loans to loans | 0.1429% | 3,484 |
| Net loans and leases to total assets | 43.6671% | 4,061 |
| Net loans and leases to deposits | 50.1398% | 4,103 |
| Net loans and leases to core deposits | 51.5877% | 4,152 |
| Total domestic deposits to total assets | 87.0907% | 2,269 |
| Equity capital to assets | 11.6729% | 1,536 |
| Core capital (leverage) ratio | 11.4047% | 1,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,224,667 | 4,025 |
| Average earning assets | $100,806,667 | 3,966 |
| Average equity | $12,769,000 | 3,912 |
| Average total loans | $45,420,000 | 4,165 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3783% | 3,260 |
| Cost of funding earning assets | 0.1951% | 3,956 |
| Net interest margin | 3.1832% | 2,750 |
| Noninterest income to average assets | 0.5782% | 2,298 |
| Noninterest expense to average assets | 2.2104% | 3,073 |
| Loan and lease loss provision to assets | 0.0315% | 2,361 |
| Net operating income to assets | 1.3412% | 1,705 |
| Return on assets (ROA) | 1.3412% | 1,792 |
| Pretax return on assets | 1.4159% | 2,238 |
| Return on Equity (ROE) | 10.6763% | 2,467 |
| Retained earnings to average equity (ytd only) | 4.4145% | 3,387 |
| Net charge-offs to loans | -0.0364% | 4,266 |
| Credit loss provision to net charge-offs | -200.0000% | 2,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4301% | 2,980 |
| Assets per employee ($millions) | 4.3676% | 4,222 |
| Cash dividends to net income (ytd only)* | 58.6510% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 2,741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 43.5996% | 4,138 |
| Net loans and leases to deposits | 49.9470% | 4,158 |
| Net loans and leases to core deposits | 51.3039% | 4,226 |
| Total domestic deposits to total assets | 87.2918% | 2,184 |
| Equity capital to assets | 12.2179% | 1,193 |
| Core capital (leverage) ratio | 11.9567% | 1,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,702,000 | 4,053 |
| Average earning assets | $98,393,000 | 3,995 |
| Average equity | $12,776,000 | 3,920 |
| Average total loans | $43,981,000 | 4,208 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7815% | 3,354 |
| Cost of funding earning assets | 0.4388% | 3,352 |
| Net interest margin | 3.3428% | 2,947 |
| Noninterest income to average assets | 0.5944% | 2,234 |
| Noninterest expense to average assets | 2.4040% | 3,123 |
| Loan and lease loss provision to assets | 0.0851% | 3,310 |
| Net operating income to assets | 1.2632% | 1,353 |
| Return on assets (ROA) | 1.3346% | 1,255 |
| Pretax return on assets | 1.4042% | 1,645 |
| Return on Equity (ROE) | 9.7369% | 2,101 |
| Retained earnings to average equity (ytd only) | 5.4891% | 2,047 |
| Net charge-offs to loans | 0.0454% | 2,158 |
| Credit loss provision to net charge-offs | 427.7778% | 1,373 |
| Earnings coverage of net charge-offs (x) | 71.1111% | 966 |
| Efficiency ratio | 62.9630% | 2,985 |
| Assets per employee ($millions) | 3.9433% | 4,414 |
| Cash dividends to net income (ytd only)* | 43.6258% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 2,229 |
| 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 | 41.7216% | 4,369 |
| Net loans and leases to deposits | 48.0935% | 4,390 |
| Net loans and leases to core deposits | 49.5011% | 4,438 |
| Total domestic deposits to total assets | 86.7511% | 2,057 |
| Equity capital to assets | 12.9283% | 1,121 |
| Core capital (leverage) ratio | 12.3737% | 1,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,515,400 | 4,115 |
| Average earning assets | $87,292,400 | 4,063 |
| Average equity | $12,406,400 | 3,935 |
| Average total loans | $39,636,600 | 4,315 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8568% | 3,393 |
| Cost of funding earning assets | 0.4925% | 3,272 |
| Net interest margin | 3.3643% | 3,010 |
| Noninterest income to average assets | 0.6071% | 2,148 |
| Noninterest expense to average assets | 2.4467% | 3,001 |
| Loan and lease loss provision to assets | 0.0723% | 3,418 |
| Net operating income to assets | 1.2601% | 1,450 |
| Return on assets (ROA) | 1.3574% | 1,312 |
| Pretax return on assets | 1.4328% | 1,628 |
| Return on Equity (ROE) | 9.7495% | 2,113 |
| Retained earnings to average equity (ytd only) | 5.1615% | 2,494 |
| Net charge-offs to loans | 0.0716% | 1,599 |
| Credit loss provision to net charge-offs | 228.5714% | 1,999 |
| Earnings coverage of net charge-offs (x) | 44.3333% | 1,283 |
| Efficiency ratio | 63.5616% | 2,809 |
| Assets per employee ($millions) | 3.6237% | 4,595 |
| Cash dividends to net income (ytd only)* | 47.0588% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 2,333 |
| Loan loss allowance to noncurrent loans | 2,395.4545% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 4,352 |
| Noncurrent loans to loans | 0.0527% | 4,160 |
| Net loans and leases to total assets | 43.7097% | 4,429 |
| Net loans and leases to deposits | 50.6849% | 4,467 |
| Net loans and leases to core deposits | 52.2462% | 4,520 |
| Total domestic deposits to total assets | 86.2382% | 1,965 |
| Equity capital to assets | 13.3606% | 1,048 |
| Core capital (leverage) ratio | 12.4606% | 1,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,498,750 | 4,142 |
| Average earning assets | $85,285,000 | 4,096 |
| Average equity | $12,321,750 | 3,947 |
| Average total loans | $39,123,500 | 4,351 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9801% | 3,379 |
| Cost of funding earning assets | 0.5272% | 3,368 |
| Net interest margin | 3.4530% | 2,938 |
| Noninterest income to average assets | 0.6213% | 2,055 |
| Noninterest expense to average assets | 2.5129% | 2,928 |
| Loan and lease loss provision to assets | 0.0624% | 3,515 |
| Net operating income to assets | 1.3013% | 1,355 |
| Return on assets (ROA) | 1.4505% | 1,105 |
| Pretax return on assets | 1.5313% | 1,381 |
| Return on Equity (ROE) | 10.2673% | 1,902 |
| Retained earnings to average equity (ytd only) | 5.0683% | 2,444 |
| Net charge-offs to loans | 0.0418% | 1,906 |
| Credit loss provision to net charge-offs | 337.5000% | 1,539 |
| Earnings coverage of net charge-offs (x) | 77.7500% | 825 |
| Efficiency ratio | 63.6257% | 2,868 |
| Assets per employee ($millions) | 4.0050% | 4,311 |
| Cash dividends to net income (ytd only)* | 50.6369% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 2,291 |
| Loan loss allowance to noncurrent loans | 1,674.1935% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 4,381 |
| Noncurrent loans to loans | 0.0742% | 4,165 |
| Net loans and leases to total assets | 44.7625% | 4,416 |
| Net loans and leases to deposits | 52.1000% | 4,446 |
| Net loans and leases to core deposits | 53.7469% | 4,505 |
| Total domestic deposits to total assets | 85.9165% | 2,047 |
| Equity capital to assets | 13.6460% | 947 |
| Core capital (leverage) ratio | 12.8703% | 1,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,592,667 | 4,170 |
| Average earning assets | $83,464,667 | 4,119 |
| Average equity | $12,233,000 | 3,960 |
| Average total loans | $38,261,667 | 4,379 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0962% | 3,536 |
| Cost of funding earning assets | 0.5653% | 3,616 |
| Net interest margin | 3.5309% | 2,880 |
| Noninterest income to average assets | 0.6966% | 1,664 |
| Noninterest expense to average assets | 2.4812% | 3,330 |
| Loan and lease loss provision to assets | 0.0620% | 2,994 |
| Net operating income to assets | 1.4696% | 836 |
| Return on assets (ROA) | 1.4696% | 912 |
| Pretax return on assets | 1.5507% | 1,178 |
| Return on Equity (ROE) | 10.2118% | 1,674 |
| Retained earnings to average equity (ytd only) | 6.0674% | 1,844 |
| Net charge-offs to loans | 0.0657% | 1,364 |
| Credit loss provision to net charge-offs | 216.6667% | 1,373 |
| Earnings coverage of net charge-offs (x) | 56.3333% | 833 |
| Efficiency ratio | 60.6061% | 3,662 |
| Assets per employee ($millions) | 3.7633% | 4,204 |
| Cash dividends to net income (ytd only)* | 40.5844% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 1,839 |
| Loan loss allowance to noncurrent loans | 2,204.3478% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 4,488 |
| Noncurrent loans to loans | 0.0619% | 4,292 |
| Net loans and leases to total assets | 42.3490% | 4,578 |
| Net loans and leases to deposits | 51.0771% | 4,559 |
| Net loans and leases to core deposits | 52.8611% | 4,604 |
| Total domestic deposits to total assets | 82.9118% | 3,138 |
| Equity capital to assets | 14.4379% | 915 |
| Core capital (leverage) ratio | 13.8241% | 956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,831,500 | 4,211 |
| Average earning assets | $80,659,500 | 4,161 |
| Average equity | $12,064,500 | 3,992 |
| Average total loans | $36,516,500 | 4,441 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2862% | 3,569 |
| Cost of funding earning assets | 0.5490% | 3,877 |
| Net interest margin | 3.7371% | 2,707 |
| Noninterest income to average assets | 0.7041% | 1,802 |
| Noninterest expense to average assets | 2.6455% | 3,045 |
| Loan and lease loss provision to assets | 0.0812% | 2,379 |
| Net operating income to assets | 1.5103% | 1,024 |
| Return on assets (ROA) | 1.5007% | 1,117 |
| Pretax return on assets | 1.5706% | 1,585 |
| Return on Equity (ROE) | 10.8822% | 1,934 |
| Retained earnings to average equity (ytd only) | 6.1563% | 1,789 |
| Net charge-offs to loans | 0.1196% | 1,553 |
| Credit loss provision to net charge-offs | 154.7619% | 1,654 |
| Earnings coverage of net charge-offs (x) | 31.6905% | 1,529 |
| Efficiency ratio | 61.4203% | 3,476 |
| Assets per employee ($millions) | 3.6866% | 4,277 |
| Cash dividends to net income (ytd only)* | 43.4276% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 1,545 |
| Loan loss allowance to noncurrent loans | 50,000.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,690 |
| Noncurrent loans to loans | 0.0028% | 4,596 |
| Net loans and leases to total assets | 43.6096% | 4,616 |
| Net loans and leases to deposits | 51.0198% | 4,647 |
| Net loans and leases to core deposits | 53.6657% | 4,656 |
| Total domestic deposits to total assets | 85.4758% | 2,304 |
| Equity capital to assets | 14.3417% | 986 |
| Core capital (leverage) ratio | 14.0001% | 926 |
| Tier 1 risk-based capital ratio | 28.4654% | 536 |
| Total risk-based capital ratio | 29.7145% | 527 |
| Memoranda: | ||
| Average total assets | $80,096,800 | 4,283 |
| Average earning assets | $77,225,200 | 4,227 |
| Average equity | $11,045,600 | 4,123 |
| Average total loans | $35,103,600 | 4,531 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 3,655 |
| Cost of funding earning assets | 0.5387% | 3,987 |
| Net interest margin | 3.7606% | 2,718 |
| Noninterest income to average assets | 0.6963% | 1,803 |
| Noninterest expense to average assets | 2.6384% | 3,044 |
| Loan and lease loss provision to assets | 0.0651% | 2,590 |
| Net operating income to assets | 1.5356% | 1,105 |
| Return on assets (ROA) | 1.5229% | 1,185 |
| Pretax return on assets | 1.6047% | 1,620 |
| Return on Equity (ROE) | 11.1567% | 1,950 |
| Retained earnings to average equity (ytd only) | 6.1900% | 2,284 |
| Net charge-offs to loans | 0.0764% | 1,734 |
| Credit loss provision to net charge-offs | 195.0000% | 1,343 |
| Earnings coverage of net charge-offs (x) | 50.3926% | 1,182 |
| Efficiency ratio | 61.0510% | 3,467 |
| Assets per employee ($millions) | 3.6299% | 4,361 |
| Cash dividends to net income (ytd only)* | 44.5175% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 1,678 |
| Loan loss allowance to noncurrent loans | 1,153.4884% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 4,441 |
| Noncurrent loans to loans | 0.1189% | 4,120 |
| Net loans and leases to total assets | 44.6530% | 4,672 |
| Net loans and leases to deposits | 52.2377% | 4,699 |
| Net loans and leases to core deposits | 54.1774% | 4,738 |
| Total domestic deposits to total assets | 85.4805% | 2,221 |
| Equity capital to assets | 14.3329% | 1,030 |
| Core capital (leverage) ratio | 13.9721% | 995 |
| Tier 1 risk-based capital ratio | 28.5257% | 541 |
| Total risk-based capital ratio | 29.7738% | 531 |
| Memoranda: | ||
| Average total assets | $79,844,500 | 4,342 |
| Average earning assets | $76,971,250 | 4,285 |
| Average equity | $10,899,000 | 4,176 |
| Average total loans | $34,912,000 | 4,597 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2419% | 3,816 |
| Cost of funding earning assets | 0.4938% | 4,141 |
| Net interest margin | 3.7480% | 2,763 |
| Noninterest income to average assets | 0.6738% | 1,817 |
| Noninterest expense to average assets | 2.5777% | 3,256 |
| Loan and lease loss provision to assets | 0.0827% | 2,188 |
| Net operating income to assets | 1.5371% | 1,040 |
| Return on assets (ROA) | 1.5180% | 1,146 |
| Pretax return on assets | 1.6057% | 1,532 |
| Return on Equity (ROE) | 11.3095% | 1,865 |
| Retained earnings to average equity (ytd only) | 5.6921% | 2,423 |
| Net charge-offs to loans | 0.1159% | 1,273 |
| Credit loss provision to net charge-offs | 165.0000% | 1,396 |
| Earnings coverage of net charge-offs (x) | 34.1000% | 1,366 |
| Efficiency ratio | 60.1403% | 3,706 |
| Assets per employee ($millions) | 3.7133% | 4,225 |
| Cash dividends to net income (ytd only)* | 49.6700% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 1,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 42.7704% | 4,758 |
| Net loans and leases to deposits | 49.6398% | 4,816 |
| Net loans and leases to core deposits | 51.4232% | 4,832 |
| Total domestic deposits to total assets | 86.1614% | 1,949 |
| Equity capital to assets | 13.6770% | 1,247 |
| Core capital (leverage) ratio | 13.5790% | 1,086 |
| Tier 1 risk-based capital ratio | 27.8740% | 572 |
| Total risk-based capital ratio | 29.1134% | 556 |
| Memoranda: | ||
| Average total assets | $79,840,000 | 4,372 |
| Average earning assets | $76,947,000 | 4,310 |
| Average equity | $10,716,670 | 4,211 |
| Average total loans | $34,497,670 | 4,642 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1871% | 3,909 |
| Cost of funding earning assets | 0.4419% | 4,323 |
| Net interest margin | 3.7452% | 2,722 |
| Noninterest income to average assets | 0.6589% | 1,787 |
| Noninterest expense to average assets | 2.6054% | 3,203 |
| Loan and lease loss provision to assets | 0.0152% | 3,236 |
| Net operating income to assets | 1.5668% | 970 |
| Return on assets (ROA) | 1.4801% | 1,176 |
| Pretax return on assets | 1.5561% | 1,592 |
| Return on Equity (ROE) | 11.1360% | 1,897 |
| Retained earnings to average equity (ytd only) | 5.9875% | 2,457 |
| Net charge-offs to loans | 0.0353% | 1,761 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 109.3333% | 633 |
| Efficiency ratio | 61.0451% | 3,675 |
| Assets per employee ($millions) | 3.6343% | 4,424 |
| Cash dividends to net income (ytd only)* | 46.2329% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 1,673 |
| Loan loss allowance to noncurrent loans | 244.6154% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 3,642 |
| Noncurrent loans to loans | 0.5726% | 2,615 |
| Net loans and leases to total assets | 41.9979% | 4,828 |
| Net loans and leases to deposits | 48.5625% | 4,867 |
| Net loans and leases to core deposits | 50.0104% | 4,888 |
| Total domestic deposits to total assets | 86.4822% | 2,081 |
| Equity capital to assets | 13.3664% | 1,263 |
| Core capital (leverage) ratio | 13.8051% | 1,003 |
| Tier 1 risk-based capital ratio | 28.8470% | 515 |
| Total risk-based capital ratio | 30.1019% | 509 |
| Memoranda: | ||
| Average total assets | $78,914,000 | 4,432 |
| Average earning assets | $76,043,000 | 4,370 |
| Average equity | $10,488,500 | 4,258 |
| Average total loans | $34,031,500 | 4,703 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2323% | 3,346 |
| Cost of funding earning assets | 0.3424% | 4,331 |
| Net interest margin | 3.8899% | 2,354 |
| Noninterest income to average assets | 0.6648% | 1,990 |
| Noninterest expense to average assets | 2.5445% | 3,489 |
| Loan and lease loss provision to assets | 0.0536% | 3,108 |
| Net operating income to assets | 1.4564% | 1,253 |
| Return on assets (ROA) | 1.3909% | 1,458 |
| Pretax return on assets | 1.4624% | 1,902 |
| Return on Equity (ROE) | 11.0703% | 2,058 |
| Retained earnings to average equity (ytd only) | 6.5508% | 1,895 |
| Net charge-offs to loans | 0.1206% | 1,529 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 29.5714% | 1,619 |
| Efficiency ratio | 61.6193% | 3,602 |
| Assets per employee ($millions) | 3.5397% | 4,504 |
| Cash dividends to net income (ytd only)* | 40.8257% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4027% | 1,629 |
| Loan loss allowance to noncurrent loans | 124.5431% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4918% | 2,610 |
| Noncurrent loans to loans | 1.1262% | 1,427 |
| Net loans and leases to total assets | 43.0567% | 4,845 |
| Net loans and leases to deposits | 49.7043% | 4,890 |
| Net loans and leases to core deposits | 50.1323% | 4,940 |
| Total domestic deposits to total assets | 86.6258% | 1,956 |
| Equity capital to assets | 13.2137% | 1,249 |
| Core capital (leverage) ratio | 13.7839% | 986 |
| Tier 1 risk-based capital ratio | 27.9703% | 566 |
| Total risk-based capital ratio | 29.2154% | 554 |
| Memoranda: | ||
| Average total assets | $78,364,800 | 4,453 |
| Average earning assets | $69,796,800 | 4,498 |
| Average equity | $9,846,200 | 4,325 |
| Average total loans | $34,839,000 | 4,692 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3366% | 2,826 |
| Cost of funding earning assets | 0.3297% | 4,304 |
| Net interest margin | 4.0069% | 1,935 |
| Noninterest income to average assets | 0.6659% | 1,996 |
| Noninterest expense to average assets | 2.4836% | 3,640 |
| Loan and lease loss provision to assets | 0.0459% | 3,071 |
| Net operating income to assets | 1.4604% | 1,299 |
| Return on assets (ROA) | 1.4185% | 1,423 |
| Pretax return on assets | 1.4983% | 1,900 |
| Return on Equity (ROE) | 11.4359% | 2,004 |
| Retained earnings to average equity (ytd only) | 6.3137% | 2,482 |
| Net charge-offs to loans | 0.1027% | 1,461 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 34.6289% | 1,474 |
| Efficiency ratio | 60.9929% | 3,660 |
| Assets per employee ($millions) | 3.5242% | 4,527 |
| Cash dividends to net income (ytd only)* | 44.7899% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 1,849 |
| Loan loss allowance to noncurrent loans | 581.7073% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 4,273 |
| Noncurrent loans to loans | 0.2336% | 3,869 |
| Net loans and leases to total assets | 44.6590% | 4,858 |
| Net loans and leases to deposits | 51.2272% | 4,910 |
| Net loans and leases to core deposits | 51.6668% | 4,977 |
| Total domestic deposits to total assets | 87.1782% | 1,650 |
| Equity capital to assets | 12.6516% | 1,495 |
| Core capital (leverage) ratio | 13.7494% | 1,010 |
| Tier 1 risk-based capital ratio | 27.0792% | 623 |
| Total risk-based capital ratio | 28.3055% | 616 |
| Memoranda: | ||
| Average total assets | $78,487,500 | 4,501 |
| Average earning assets | $66,717,250 | 4,596 |
| Average equity | $9,735,250 | 4,380 |
| Average total loans | $35,047,000 | 4,737 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2540% | 2,932 |
| Cost of funding earning assets | 0.2880% | 4,512 |
| Net interest margin | 3.9660% | 1,980 |
| Noninterest income to average assets | 0.6700% | 2,005 |
| Noninterest expense to average assets | 2.4110% | 3,868 |
| Loan and lease loss provision to assets | 0.0203% | 3,497 |
| Net operating income to assets | 1.5093% | 1,138 |
| Return on assets (ROA) | 1.4466% | 1,293 |
| Pretax return on assets | 1.5278% | 1,719 |
| Return on Equity (ROE) | 11.7397% | 1,825 |
| Retained earnings to average equity (ytd only) | 5.9934% | 2,566 |
| Net charge-offs to loans | 0.0457% | 1,957 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 79.5000% | 825 |
| Efficiency ratio | 59.8991% | 3,953 |
| Assets per employee ($millions) | 3.5800% | 4,499 |
| Cash dividends to net income (ytd only)* | 48.9474% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 2,045 |
| Loan loss allowance to noncurrent loans | 198.7500% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 3,367 |
| Noncurrent loans to loans | 0.6678% | 2,442 |
| Net loans and leases to total assets | 45.0236% | 4,867 |
| Net loans and leases to deposits | 51.5130% | 4,927 |
| Net loans and leases to core deposits | 51.9461% | 4,997 |
| Total domestic deposits to total assets | 87.4024% | 1,683 |
| Equity capital to assets | 12.4503% | 1,567 |
| Core capital (leverage) ratio | 13.4449% | 1,081 |
| Tier 1 risk-based capital ratio | 26.1113% | 663 |
| Total risk-based capital ratio | 27.3133% | 655 |
| Memoranda: | ||
| Average total assets | $78,806,000 | 4,540 |
| Average earning assets | $66,667,330 | 4,647 |
| Average equity | $9,710,670 | 4,425 |
| Average total loans | $35,028,670 | 4,783 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0957% | 3,250 |
| Cost of funding earning assets | 0.2691% | 4,587 |
| Net interest margin | 3.8266% | 2,311 |
| Noninterest income to average assets | 0.6749% | 1,935 |
| Noninterest expense to average assets | 2.5575% | 3,467 |
| Loan and lease loss provision to assets | 0.0507% | 2,760 |
| Net operating income to assets | 1.2686% | 1,752 |
| Return on assets (ROA) | 1.2686% | 1,759 |
| Pretax return on assets | 1.3142% | 2,310 |
| Return on Equity (ROE) | 10.3488% | 2,252 |
| Retained earnings to average equity (ytd only) | 5.5883% | 2,909 |
| Net charge-offs to loans | 0.1157% | 1,086 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 26.9000% | 1,311 |
| Efficiency ratio | 65.2005% | 3,289 |
| Assets per employee ($millions) | 3.4408% | 4,747 |
| Cash dividends to net income (ytd only)* | 46.0000% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 1,975 |
| Loan loss allowance to noncurrent loans | 41.6958% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 1.4873% | 938 |
| Noncurrent loans to loans | 3.2699% | 336 |
| Net loans and leases to total assets | 43.6056% | 4,916 |
| Net loans and leases to deposits | 49.7413% | 4,969 |
| Net loans and leases to core deposits | 50.1562% | 5,038 |
| Total domestic deposits to total assets | 87.6647% | 1,807 |
| Equity capital to assets | 12.2076% | 1,657 |
| Core capital (leverage) ratio | 13.2847% | 1,077 |
| Tier 1 risk-based capital ratio | 25.5809% | 717 |
| Total risk-based capital ratio | 26.7764% | 706 |
| Memoranda: | ||
| Average total assets | $78,828,500 | 4,590 |
| Average earning assets | $66,900,000 | 4,695 |
| Average equity | $9,663,000 | 4,473 |
| Average total loans | $34,574,000 | 4,841 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8367% | 3,921 |
| Cost of funding earning assets | 0.2404% | 4,641 |
| Net interest margin | 3.5963% | 3,182 |
| Noninterest income to average assets | 0.6848% | 2,033 |
| Noninterest expense to average assets | 2.6242% | 3,371 |
| Loan and lease loss provision to assets | 0.0830% | 2,542 |
| Net operating income to assets | 1.0650% | 1,993 |
| Return on assets (ROA) | 1.0515% | 2,071 |
| Pretax return on assets | 1.0975% | 3,194 |
| Return on Equity (ROE) | 8.6279% | 2,483 |
| Retained earnings to average equity (ytd only) | 4.5918% | 2,398 |
| Net charge-offs to loans | 0.1318% | 1,735 |
| Credit loss provision to net charge-offs | 144.4444% | 1,839 |
| Earnings coverage of net charge-offs (x) | 20.7778% | 1,948 |
| Efficiency ratio | 68.7186% | 2,757 |
| Assets per employee ($millions) | 3.4138% | 4,806 |
| Cash dividends to net income (ytd only)* | 46.7801% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 1,787 |
| Loan loss allowance to noncurrent loans | 45.6459% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 1.3309% | 1,082 |
| Noncurrent loans to loans | 3.0590% | 358 |
| Net loans and leases to total assets | 42.9010% | 5,037 |
| Net loans and leases to deposits | 49.0056% | 5,096 |
| Net loans and leases to core deposits | 49.4176% | 5,153 |
| Total domestic deposits to total assets | 87.5430% | 1,738 |
| Equity capital to assets | 12.3093% | 1,633 |
| Core capital (leverage) ratio | 13.0226% | 1,134 |
| Tier 1 risk-based capital ratio | 25.5901% | 685 |
| Total risk-based capital ratio | 26.8022% | 677 |
| Memoranda: | ||
| Average total assets | $78,271,200 | 4,624 |
| Average earning assets | $68,209,400 | 4,699 |
| Average equity | $9,538,800 | 4,519 |
| Average total loans | $34,148,600 | 4,896 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7638% | 4,130 |
| Cost of funding earning assets | 0.2372% | 4,676 |
| Net interest margin | 3.5266% | 3,401 |
| Noninterest income to average assets | 0.6700% | 2,125 |
| Noninterest expense to average assets | 2.6032% | 3,402 |
| Loan and lease loss provision to assets | 0.0767% | 2,541 |
| Net operating income to assets | 1.0364% | 2,387 |
| Return on assets (ROA) | 1.0331% | 2,435 |
| Pretax return on assets | 1.0791% | 3,388 |
| Return on Equity (ROE) | 8.4986% | 2,880 |
| Retained earnings to average equity (ytd only) | 4.3474% | 3,320 |
| Net charge-offs to loans | 0.0976% | 1,805 |
| Credit loss provision to net charge-offs | 180.0000% | 1,475 |
| Earnings coverage of net charge-offs (x) | 27.2019% | 1,646 |
| Efficiency ratio | 69.1889% | 2,675 |
| Assets per employee ($millions) | 3.4239% | 4,837 |
| Cash dividends to net income (ytd only)* | 48.8453% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 2,005 |
| Loan loss allowance to noncurrent loans | 44.3309% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 1.3663% | 1,146 |
| Noncurrent loans to loans | 3.0999% | 396 |
| Net loans and leases to total assets | 43.4717% | 5,055 |
| Net loans and leases to deposits | 49.6750% | 5,139 |
| Net loans and leases to core deposits | 50.0915% | 5,194 |
| Total domestic deposits to total assets | 87.5124% | 1,621 |
| Equity capital to assets | 12.3530% | 1,741 |
| Core capital (leverage) ratio | 12.9004% | 1,252 |
| Tier 1 risk-based capital ratio | 25.1492% | 734 |
| Total risk-based capital ratio | 26.3556% | 720 |
| Memoranda: | ||
| Average total assets | $78,209,500 | 4,670 |
| Average earning assets | $68,582,250 | 4,741 |
| Average equity | $9,507,250 | 4,574 |
| Average total loans | $34,145,250 | 4,948 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6930% | 4,248 |
| Cost of funding earning assets | 0.2308% | 4,710 |
| Net interest margin | 3.4622% | 3,535 |
| Noninterest income to average assets | 0.6639% | 2,150 |
| Noninterest expense to average assets | 2.5349% | 3,628 |
| Loan and lease loss provision to assets | 0.0795% | 2,394 |
| Net operating income to assets | 1.0353% | 2,273 |
| Return on assets (ROA) | 1.0304% | 2,330 |
| Pretax return on assets | 1.0816% | 3,254 |
| Return on Equity (ROE) | 8.5227% | 2,765 |
| Retained earnings to average equity (ytd only) | 3.7737% | 3,440 |
| Net charge-offs to loans | 0.0648% | 2,009 |
| Credit loss provision to net charge-offs | 281.8182% | 1,002 |
| Earnings coverage of net charge-offs (x) | 41.3636% | 1,222 |
| Efficiency ratio | 68.4903% | 2,924 |
| Assets per employee ($millions) | 3.1709% | 5,128 |
| Cash dividends to net income (ytd only)* | 55.7214% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 2,136 |
| Loan loss allowance to noncurrent loans | 44.0037% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 1.3674% | 1,158 |
| Noncurrent loans to loans | 3.0823% | 411 |
| Net loans and leases to total assets | 43.7614% | 5,052 |
| Net loans and leases to deposits | 49.8606% | 5,142 |
| Net loans and leases to core deposits | 50.2746% | 5,212 |
| Total domestic deposits to total assets | 87.7676% | 1,586 |
| Equity capital to assets | 12.1403% | 1,835 |
| Core capital (leverage) ratio | 12.7290% | 1,283 |
| Tier 1 risk-based capital ratio | 24.4012% | 816 |
| Total risk-based capital ratio | 25.5876% | 796 |
| Memoranda: | ||
| Average total assets | $78,029,330 | 4,702 |
| Average earning assets | $68,454,000 | 4,776 |
| Average equity | $9,433,670 | 4,602 |
| Average total loans | $33,956,670 | 4,983 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5309% | 4,606 |
| Cost of funding earning assets | 0.2229% | 4,776 |
| Net interest margin | 3.3080% | 3,980 |
| Noninterest income to average assets | 0.6666% | 2,114 |
| Noninterest expense to average assets | 2.6302% | 3,379 |
| Loan and lease loss provision to assets | 0.0568% | 2,672 |
| Net operating income to assets | 0.8681% | 2,911 |
| Return on assets (ROA) | 0.8681% | 2,965 |
| Pretax return on assets | 0.8940% | 3,794 |
| Return on Equity (ROE) | 7.1960% | 3,317 |
| Retained earnings to average equity (ytd only) | 2.9127% | 3,959 |
| Net charge-offs to loans | 0.1319% | 1,133 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 16.7273% | 1,629 |
| Efficiency ratio | 73.4488% | 2,331 |
| Assets per employee ($millions) | 3.1396% | 5,237 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 2,391 |
| Loan loss allowance to noncurrent loans | 42.9108% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 1.3569% | 1,243 |
| Noncurrent loans to loans | 3.0999% | 435 |
| Net loans and leases to total assets | 43.1895% | 5,087 |
| Net loans and leases to deposits | 49.1753% | 5,170 |
| Net loans and leases to core deposits | 49.5868% | 5,238 |
| Total domestic deposits to total assets | 87.8276% | 1,811 |
| Equity capital to assets | 12.0106% | 1,832 |
| Core capital (leverage) ratio | 12.9468% | 1,164 |
| Tier 1 risk-based capital ratio | 24.6801% | 807 |
| Total risk-based capital ratio | 25.8427% | 790 |
| Memoranda: | ||
| Average total assets | $77,407,500 | 4,763 |
| Average earning assets | $68,197,500 | 4,826 |
| Average equity | $9,338,500 | 4,652 |
| Average total loans | $33,351,000 | 5,044 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4996% | 4,782 |
| Cost of funding earning assets | 0.2236% | 4,798 |
| Net interest margin | 3.2760% | 4,218 |
| Noninterest income to average assets | 0.6464% | 2,434 |
| Noninterest expense to average assets | 2.7441% | 3,210 |
| Loan and lease loss provision to assets | 0.2432% | 869 |
| Net operating income to assets | 0.6150% | 4,145 |
| Return on assets (ROA) | 0.6424% | 4,142 |
| Pretax return on assets | 0.6598% | 4,624 |
| Return on Equity (ROE) | 5.1002% | 4,380 |
| Retained earnings to average equity (ytd only) | 1.9846% | 4,416 |
| Net charge-offs to loans | 0.0673% | 2,732 |
| Credit loss provision to net charge-offs | 822.7273% | 449 |
| Earnings coverage of net charge-offs (x) | 29.5909% | 1,444 |
| Efficiency ratio | 75.8262% | 2,007 |
| Assets per employee ($millions) | 3.0530% | 5,310 |
| Cash dividends to net income (ytd only)* | 61.0879% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 2,028 |
| Loan loss allowance to noncurrent loans | 53.0162% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 1.1294% | 1,638 |
| Noncurrent loans to loans | 2.6649% | 568 |
| Net loans and leases to total assets | 41.7800% | 5,240 |
| Net loans and leases to deposits | 47.5969% | 5,315 |
| Net loans and leases to core deposits | 48.0054% | 5,366 |
| Total domestic deposits to total assets | 87.7787% | 1,755 |
| Equity capital to assets | 12.1191% | 1,733 |
| Core capital (leverage) ratio | 12.9399% | 1,154 |
| Tier 1 risk-based capital ratio | 25.6928% | 714 |
| Total risk-based capital ratio | 26.9117% | 705 |
| Memoranda: | ||
| Average total assets | $74,414,200 | 4,839 |
| Average earning assets | $67,522,200 | 4,856 |
| Average equity | $9,372,200 | 4,673 |
| Average total loans | $32,699,600 | 5,108 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4824% | 4,860 |
| Cost of funding earning assets | 0.2232% | 4,851 |
| Net interest margin | 3.2592% | 4,315 |
| Noninterest income to average assets | 0.6420% | 2,468 |
| Noninterest expense to average assets | 2.8059% | 2,988 |
| Loan and lease loss provision to assets | 0.3048% | 550 |
| Net operating income to assets | 0.4884% | 4,734 |
| Return on assets (ROA) | 0.5248% | 4,699 |
| Pretax return on assets | 0.5446% | 5,022 |
| Return on Equity (ROE) | 4.1263% | 4,857 |
| Retained earnings to average equity (ytd only) | 0.8791% | 5,118 |
| Net charge-offs to loans | 0.0407% | 2,825 |
| Credit loss provision to net charge-offs | 1,690.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 45.0105% | 1,151 |
| Efficiency ratio | 77.5673% | 1,757 |
| Assets per employee ($millions) | 3.0040% | 5,390 |
| Cash dividends to net income (ytd only)* | 78.6953% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 2,318 |
| Loan loss allowance to noncurrent loans | 50.6652% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 1.2011% | 1,657 |
| Noncurrent loans to loans | 2.7147% | 604 |
| Net loans and leases to total assets | 43.6344% | 5,213 |
| Net loans and leases to deposits | 50.0069% | 5,298 |
| Net loans and leases to core deposits | 50.6460% | 5,360 |
| Total domestic deposits to total assets | 87.2568% | 1,777 |
| Equity capital to assets | 12.6074% | 1,700 |
| Core capital (leverage) ratio | 13.0256% | 1,186 |
| Tier 1 risk-based capital ratio | 25.3472% | 779 |
| Total risk-based capital ratio | 26.5652% | 765 |
| Memoranda: | ||
| Average total assets | $73,936,250 | 4,890 |
| Average earning assets | $67,498,750 | 4,896 |
| Average equity | $9,402,750 | 4,720 |
| Average total loans | $32,788,000 | 5,156 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4878% | 4,900 |
| Cost of funding earning assets | 0.2167% | 4,975 |
| Net interest margin | 3.2711% | 4,323 |
| Noninterest income to average assets | 0.6254% | 2,483 |
| Noninterest expense to average assets | 2.7710% | 3,131 |
| Loan and lease loss provision to assets | 0.4487% | 317 |
| Net operating income to assets | 0.3879% | 5,072 |
| Return on assets (ROA) | 0.4296% | 5,031 |
| Pretax return on assets | 0.4460% | 5,254 |
| Return on Equity (ROE) | 3.3685% | 5,136 |
| Retained earnings to average equity (ytd only) | -0.7249% | 5,404 |
| Net charge-offs to loans | 0.0368% | 2,721 |
| Credit loss provision to net charge-offs | 2,750.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 52.1667% | 970 |
| Efficiency ratio | 76.5015% | 2,005 |
| Assets per employee ($millions) | 3.1275% | 5,295 |
| Cash dividends to net income (ytd only)* | 121.5190% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 2,326 |
| Loan loss allowance to noncurrent loans | 44.7600% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 1.3602% | 1,457 |
| Noncurrent loans to loans | 3.1120% | 464 |
| Net loans and leases to total assets | 43.0996% | 5,276 |
| Net loans and leases to deposits | 49.3660% | 5,364 |
| Net loans and leases to core deposits | 50.0085% | 5,431 |
| Total domestic deposits to total assets | 87.3063% | 1,751 |
| Equity capital to assets | 12.5152% | 1,759 |
| Core capital (leverage) ratio | 12.6087% | 1,299 |
| Tier 1 risk-based capital ratio | 25.6681% | 752 |
| Total risk-based capital ratio | 26.9143% | 735 |
| Memoranda: | ||
| Average total assets | $73,548,670 | 4,944 |
| Average earning assets | $67,378,000 | 4,949 |
| Average equity | $9,381,000 | 4,759 |
| Average total loans | $32,642,000 | 5,210 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4686% | 4,962 |
| Cost of funding earning assets | 0.2138% | 5,064 |
| Net interest margin | 3.2548% | 4,383 |
| Noninterest income to average assets | 0.6209% | 2,412 |
| Noninterest expense to average assets | 2.9069% | 2,682 |
| Loan and lease loss provision to assets | 0.0495% | 2,940 |
| Net operating income to assets | 0.6547% | 3,954 |
| Return on assets (ROA) | 0.6814% | 3,927 |
| Pretax return on assets | 0.7034% | 4,516 |
| Return on Equity (ROE) | 5.2909% | 4,340 |
| Retained earnings to average equity (ytd only) | 1.0241% | 4,827 |
| Net charge-offs to loans | -0.0123% | 4,622 |
| Credit loss provision to net charge-offs | -900.0000% | 4,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0303% | 1,601 |
| Assets per employee ($millions) | 3.1662% | 5,327 |
| Cash dividends to net income (ytd only)* | 80.6452% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9325% | 4,943 |
| Loan loss allowance to noncurrent loans | 28.8660% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 1.4652% | 1,409 |
| Noncurrent loans to loans | 3.2304% | 462 |
| Net loans and leases to total assets | 44.9336% | 5,194 |
| Net loans and leases to deposits | 51.6658% | 5,242 |
| Net loans and leases to core deposits | 52.3762% | 5,330 |
| Total domestic deposits to total assets | 86.9698% | 2,226 |
| Equity capital to assets | 12.9066% | 1,455 |
| Core capital (leverage) ratio | 13.2133% | 1,076 |
| Tier 1 risk-based capital ratio | 26.1435% | 728 |
| Total risk-based capital ratio | 26.9937% | 741 |
| Memoranda: | ||
| Average total assets | $72,792,500 | 5,005 |
| Average earning assets | $67,347,500 | 4,994 |
| Average equity | $9,374,500 | 4,784 |
| Average total loans | $32,559,000 | 5,254 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6517% | 4,516 |
| Cost of funding earning assets | 0.2243% | 5,050 |
| Net interest margin | 3.4274% | 3,808 |
| Noninterest income to average assets | 0.5916% | 2,764 |
| Noninterest expense to average assets | 2.9995% | 2,548 |
| Loan and lease loss provision to assets | 0.0936% | 2,440 |
| Net operating income to assets | 0.5410% | 4,536 |
| Return on assets (ROA) | 0.5648% | 4,534 |
| Pretax return on assets | 0.5663% | 4,943 |
| Return on Equity (ROE) | 4.0536% | 4,923 |
| Retained earnings to average equity (ytd only) | 1.4294% | 4,912 |
| Net charge-offs to loans | 0.0342% | 3,522 |
| Credit loss provision to net charge-offs | 630.0000% | 536 |
| Earnings coverage of net charge-offs (x) | 42.8000% | 1,113 |
| Efficiency ratio | 82.5020% | 1,341 |
| Assets per employee ($millions) | 3.1636% | 5,332 |
| Cash dividends to net income (ytd only)* | 64.7368% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 4,976 |
| Loan loss allowance to noncurrent loans | 95.5128% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 0.4288% | 3,894 |
| Noncurrent loans to loans | 0.9723% | 2,386 |
| Net loans and leases to total assets | 43.6904% | 5,298 |
| Net loans and leases to deposits | 50.1815% | 5,382 |
| Net loans and leases to core deposits | 50.8876% | 5,459 |
| Total domestic deposits to total assets | 87.0647% | 2,099 |
| Equity capital to assets | 12.8501% | 1,437 |
| Core capital (leverage) ratio | 13.3545% | 1,015 |
| Tier 1 risk-based capital ratio | 27.0370% | 663 |
| Total risk-based capital ratio | 27.8899% | 673 |
| Memoranda: | ||
| Average total assets | $67,277,400 | 5,151 |
| Average earning assets | $59,753,200 | 5,196 |
| Average equity | $9,374,400 | 4,774 |
| Average total loans | $29,224,600 | 5,392 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6873% | 4,455 |
| Cost of funding earning assets | 0.2251% | 5,134 |
| Net interest margin | 3.4621% | 3,714 |
| Noninterest income to average assets | 0.5664% | 2,941 |
| Noninterest expense to average assets | 2.9840% | 2,577 |
| Loan and lease loss provision to assets | 0.1153% | 1,958 |
| Net operating income to assets | 0.5081% | 4,756 |
| Return on assets (ROA) | 0.5361% | 4,750 |
| Pretax return on assets | 0.5442% | 5,114 |
| Return on Equity (ROE) | 3.7665% | 5,119 |
| Retained earnings to average equity (ytd only) | 0.9097% | 5,346 |
| Net charge-offs to loans | 0.0234% | 3,469 |
| Credit loss provision to net charge-offs | 1,140.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 62.3673% | 893 |
| Efficiency ratio | 82.5406% | 1,322 |
| Assets per employee ($millions) | 3.2777% | 5,157 |
| Cash dividends to net income (ytd only)* | 75.8491% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 4,815 |
| Loan loss allowance to noncurrent loans | 116.4706% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 4,359 |
| Noncurrent loans to loans | 0.8463% | 2,854 |
| Net loans and leases to total assets | 41.3715% | 5,523 |
| Net loans and leases to deposits | 47.6489% | 5,589 |
| Net loans and leases to core deposits | 48.3454% | 5,640 |
| Total domestic deposits to total assets | 86.8257% | 2,126 |
| Equity capital to assets | 13.0856% | 1,407 |
| Core capital (leverage) ratio | 13.6184% | 970 |
| Tier 1 risk-based capital ratio | 26.8646% | 700 |
| Total risk-based capital ratio | 27.7155% | 715 |
| Memoranda: | ||
| Average total assets | $65,906,250 | 5,245 |
| Average earning assets | $58,036,250 | 5,308 |
| Average equity | $9,380,500 | 4,834 |
| Average total loans | $28,508,750 | 5,489 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7510% | 4,233 |
| Cost of funding earning assets | 0.2171% | 5,286 |
| Net interest margin | 3.5340% | 3,362 |
| Noninterest income to average assets | 0.5514% | 3,032 |
| Noninterest expense to average assets | 3.0013% | 2,545 |
| Loan and lease loss provision to assets | 0.0094% | 3,916 |
| Net operating income to assets | 0.6485% | 4,128 |
| Return on assets (ROA) | 0.6516% | 4,229 |
| Pretax return on assets | 0.6548% | 4,809 |
| Return on Equity (ROE) | 4.4435% | 4,839 |
| Retained earnings to average equity (ytd only) | 0.9613% | 5,185 |
| Net charge-offs to loans | 0.0215% | 3,238 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 70.3333% | 773 |
| Efficiency ratio | 81.9504% | 1,493 |
| Assets per employee ($millions) | 3.1910% | 5,357 |
| Cash dividends to net income (ytd only)* | 78.3654% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8319% | 5,519 |
| Loan loss allowance to noncurrent loans | 142.4419% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.2450% | 4,894 |
| Noncurrent loans to loans | 0.5841% | 3,703 |
| Net loans and leases to total assets | 41.6005% | 5,531 |
| Net loans and leases to deposits | 48.0637% | 5,593 |
| Net loans and leases to core deposits | 48.5810% | 5,674 |
| Total domestic deposits to total assets | 86.5529% | 2,399 |
| Equity capital to assets | 13.3417% | 1,242 |
| Core capital (leverage) ratio | 14.1302% | 807 |
| Tier 1 risk-based capital ratio | 27.2619% | 690 |
| Total risk-based capital ratio | 27.9755% | 713 |
| Memoranda: | ||
| Average total assets | $63,838,330 | 5,352 |
| Average earning assets | $56,197,670 | 5,408 |
| Average equity | $9,362,000 | 4,863 |
| Average total loans | $27,968,330 | 5,554 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7221% | 4,292 |
| Cost of funding earning assets | 0.2093% | 5,426 |
| Net interest margin | 3.5129% | 3,378 |
| Noninterest income to average assets | 0.5803% | 2,771 |
| Noninterest expense to average assets | 3.0532% | 2,421 |
| Loan and lease loss provision to assets | 0.0330% | 3,230 |
| Net operating income to assets | 0.5739% | 4,393 |
| Return on assets (ROA) | 0.5803% | 4,466 |
| Pretax return on assets | 0.6001% | 4,916 |
| Return on Equity (ROE) | 3.7607% | 5,082 |
| Retained earnings to average equity (ytd only) | -0.9402% | 5,550 |
| Net charge-offs to loans | 0.0735% | 1,976 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,464 |
| Efficiency ratio | 82.9749% | 1,498 |
| Assets per employee ($millions) | 2.8892% | 5,793 |
| Cash dividends to net income (ytd only)* | 125.0000% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8736% | 5,512 |
| Loan loss allowance to noncurrent loans | 252.5773% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 5,343 |
| Noncurrent loans to loans | 0.3459% | 4,551 |
| Net loans and leases to total assets | 43.7384% | 5,369 |
| Net loans and leases to deposits | 51.3644% | 5,369 |
| Net loans and leases to core deposits | 51.9975% | 5,490 |
| Total domestic deposits to total assets | 85.1531% | 3,330 |
| Equity capital to assets | 14.7415% | 768 |
| Core capital (leverage) ratio | 15.9961% | 466 |
| Tier 1 risk-based capital ratio | 29.3725% | 575 |
| Total risk-based capital ratio | 30.1470% | 590 |
| Memoranda: | ||
| Average total assets | $60,657,000 | 5,487 |
| Average earning assets | $53,517,500 | 5,523 |
| Average equity | $9,360,000 | 4,904 |
| Average total loans | $27,228,000 | 5,627 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7714% | 4,574 |
| Cost of funding earning assets | 0.2338% | 5,480 |
| Net interest margin | 3.5375% | 3,652 |
| Noninterest income to average assets | 0.5663% | 3,080 |
| Noninterest expense to average assets | 2.7328% | 3,738 |
| Loan and lease loss provision to assets | 0.0108% | 4,410 |
| Net operating income to assets | 0.9794% | 2,485 |
| Return on assets (ROA) | 1.0286% | 2,341 |
| Pretax return on assets | 1.0447% | 3,325 |
| Return on Equity (ROE) | 6.2881% | 4,005 |
| Retained earnings to average equity (ytd only) | 3.1002% | 4,036 |
| Net charge-offs to loans | 0.0251% | 4,330 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 93.5000% | 558 |
| Efficiency ratio | 73.1064% | 3,008 |
| Assets per employee ($millions) | 2.8876% | 5,846 |
| Cash dividends to net income (ytd only)* | 50.6969% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9277% | 5,372 |
| Loan loss allowance to noncurrent loans | 80.0654% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 3,818 |
| Noncurrent loans to loans | 1.1587% | 2,520 |
| Net loans and leases to total assets | 45.3058% | 5,385 |
| Net loans and leases to deposits | 54.1259% | 5,323 |
| Net loans and leases to core deposits | 54.5286% | 5,478 |
| Total domestic deposits to total assets | 83.7045% | 3,835 |
| Equity capital to assets | 16.1899% | 510 |
| Core capital (leverage) ratio | 16.1479% | 455 |
| Tier 1 risk-based capital ratio | 32.3818% | 422 |
| Total risk-based capital ratio | 33.2337% | 418 |
| Memoranda: | ||
| Average total assets | $55,804,000 | 5,656 |
| Average earning assets | $50,034,800 | 5,675 |
| Average equity | $9,128,400 | 4,945 |
| Average total loans | $23,921,800 | 5,825 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 4,767 |
| Cost of funding earning assets | 0.2403% | 5,509 |
| Net interest margin | 3.4909% | 3,871 |
| Noninterest income to average assets | 0.5833% | 2,974 |
| Noninterest expense to average assets | 2.6489% | 4,017 |
| Loan and lease loss provision to assets | 0.0096% | 4,230 |
| Net operating income to assets | 0.9883% | 2,507 |
| Return on assets (ROA) | 1.0364% | 2,356 |
| Pretax return on assets | 1.0919% | 3,220 |
| Return on Equity (ROE) | 6.3190% | 4,071 |
| Retained earnings to average equity (ytd only) | 2.7480% | 4,638 |
| Net charge-offs to loans | 0.0229% | 4,055 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 109.0657% | 551 |
| Efficiency ratio | 71.5961% | 3,251 |
| Assets per employee ($millions) | 2.8834% | 5,870 |
| Cash dividends to net income (ytd only)* | 56.5112% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 5,366 |
| Loan loss allowance to noncurrent loans | 146.7066% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.3503% | 4,871 |
| Noncurrent loans to loans | 0.6582% | 3,969 |
| Net loans and leases to total assets | 43.5743% | 5,551 |
| Net loans and leases to deposits | 51.9581% | 5,530 |
| Net loans and leases to core deposits | 52.3435% | 5,668 |
| Total domestic deposits to total assets | 83.8643% | 3,811 |
| Equity capital to assets | 16.0334% | 561 |
| Core capital (leverage) ratio | 16.3500% | 435 |
| Tier 1 risk-based capital ratio | 33.5958% | 401 |
| Total risk-based capital ratio | 34.4888% | 402 |
| Memoranda: | ||
| Average total assets | $55,317,000 | 5,730 |
| Average earning assets | $49,384,250 | 5,759 |
| Average equity | $9,073,000 | 4,991 |
| Average total loans | $23,299,750 | 5,906 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7494% | 4,697 |
| Cost of funding earning assets | 0.2408% | 5,575 |
| Net interest margin | 3.5086% | 3,751 |
| Noninterest income to average assets | 0.5721% | 2,978 |
| Noninterest expense to average assets | 2.5195% | 4,513 |
| Loan and lease loss provision to assets | 0.0110% | 4,025 |
| Net operating income to assets | 1.0878% | 1,978 |
| Return on assets (ROA) | 1.1296% | 1,913 |
| Pretax return on assets | 1.1846% | 2,740 |
| Return on Equity (ROE) | 6.8328% | 3,705 |
| Retained earnings to average equity (ytd only) | 2.5956% | 4,548 |
| Net charge-offs to loans | 0.0265% | 3,662 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 104.6667% | 540 |
| Efficiency ratio | 68.6314% | 3,891 |
| Assets per employee ($millions) | 3.1202% | 5,565 |
| Cash dividends to net income (ytd only)* | 62.0130% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 5,227 |
| Loan loss allowance to noncurrent loans | 120.0980% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.4506% | 4,654 |
| Noncurrent loans to loans | 0.8552% | 3,564 |
| Net loans and leases to total assets | 44.5111% | 5,497 |
| Net loans and leases to deposits | 53.8341% | 5,372 |
| Net loans and leases to core deposits | 54.2734% | 5,531 |
| Total domestic deposits to total assets | 82.6820% | 4,421 |
| Equity capital to assets | 17.1917% | 393 |
| Core capital (leverage) ratio | 17.2292% | 349 |
| Tier 1 risk-based capital ratio | 34.9935% | 346 |
| Total risk-based capital ratio | 35.9307% | 352 |
| Memoranda: | ||
| Average total assets | $54,533,670 | 5,800 |
| Average earning assets | $48,167,330 | 5,836 |
| Average equity | $9,015,330 | 5,024 |
| Average total loans | $22,608,670 | 5,974 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6648% | 4,962 |
| Cost of funding earning assets | 0.2476% | 5,601 |
| Net interest margin | 3.4171% | 4,039 |
| Noninterest income to average assets | 0.5572% | 3,003 |
| Noninterest expense to average assets | 2.3734% | 4,999 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1259% | 1,716 |
| Return on assets (ROA) | 1.2084% | 1,526 |
| Pretax return on assets | 1.2663% | 2,226 |
| Return on Equity (ROE) | 7.4524% | 3,232 |
| Retained earnings to average equity (ytd only) | 2.9899% | 4,319 |
| Net charge-offs to loans | 0.0182% | 3,221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 163.0000% | 301 |
| Efficiency ratio | 66.8024% | 4,398 |
| Assets per employee ($millions) | 3.1296% | 5,631 |
| Cash dividends to net income (ytd only)* | 59.8802% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 5,095 |
| Loan loss allowance to noncurrent loans | 129.7872% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.5225% | 4,582 |
| Noncurrent loans to loans | 0.8513% | 3,765 |
| Net loans and leases to total assets | 41.0514% | 5,744 |
| Net loans and leases to deposits | 49.4924% | 5,631 |
| Net loans and leases to core deposits | 49.8926% | 5,775 |
| Total domestic deposits to total assets | 82.9449% | 4,621 |
| Equity capital to assets | 16.9179% | 406 |
| Core capital (leverage) ratio | 16.5692% | 409 |
| Tier 1 risk-based capital ratio | 35.8147% | 325 |
| Total risk-based capital ratio | 36.7752% | 328 |
| Memoranda: | ||
| Average total assets | $55,279,000 | 5,833 |
| Average earning assets | $48,461,500 | 5,882 |
| Average equity | $8,963,500 | 5,061 |
| Average total loans | $21,985,500 | 6,045 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2750% | 6,039 |
| Cost of funding earning assets | 0.2967% | 5,626 |
| Net interest margin | 2.9784% | 5,628 |
| Noninterest income to average assets | 0.4790% | 3,895 |
| Noninterest expense to average assets | 2.0694% | 5,897 |
| Loan and lease loss provision to assets | 0.0470% | 4,182 |
| Net operating income to assets | 0.9722% | 2,457 |
| Return on assets (ROA) | 1.0103% | 2,343 |
| Pretax return on assets | 1.0608% | 3,109 |
| Return on Equity (ROE) | 6.5201% | 3,819 |
| Retained earnings to average equity (ytd only) | 3.3387% | 3,857 |
| Net charge-offs to loans | 0.1318% | 3,489 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 22.7037% | 1,440 |
| Efficiency ratio | 65.9634% | 4,567 |
| Assets per employee ($millions) | 3.5846% | 4,725 |
| Cash dividends to net income (ytd only)* | 48.7931% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 5,054 |
| Loan loss allowance to noncurrent loans | 159.0909% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.4812% | 4,798 |
| Noncurrent loans to loans | 0.7036% | 4,215 |
| Net loans and leases to total assets | 37.7323% | 6,116 |
| Net loans and leases to deposits | 44.7470% | 6,085 |
| Net loans and leases to core deposits | 45.0770% | 6,182 |
| Total domestic deposits to total assets | 84.3237% | 4,045 |
| Equity capital to assets | 15.5630% | 588 |
| Core capital (leverage) ratio | 15.8155% | 489 |
| Tier 1 risk-based capital ratio | 34.7776% | 339 |
| Total risk-based capital ratio | 35.7212% | 342 |
| Memoranda: | ||
| Average total assets | $57,409,000 | 5,825 |
| Average earning assets | $51,236,400 | 5,855 |
| Average equity | $8,895,600 | 5,115 |
| Average total loans | $20,484,000 | 6,176 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1767% | 6,228 |
| Cost of funding earning assets | 0.3055% | 5,686 |
| Net interest margin | 2.8712% | 5,875 |
| Noninterest income to average assets | 0.4621% | 4,060 |
| Noninterest expense to average assets | 1.9852% | 6,039 |
| Loan and lease loss provision to assets | 0.0488% | 4,039 |
| Net operating income to assets | 0.9520% | 2,584 |
| Return on assets (ROA) | 0.9520% | 2,687 |
| Pretax return on assets | 1.0031% | 3,492 |
| Return on Equity (ROE) | 6.1504% | 4,108 |
| Retained earnings to average equity (ytd only) | 2.9552% | 4,557 |
| Net charge-offs to loans | 0.1391% | 3,147 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 21.5707% | 1,539 |
| Efficiency ratio | 65.3670% | 4,597 |
| Assets per employee ($millions) | 3.7690% | 4,305 |
| Cash dividends to net income (ytd only)* | 51.9510% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 5,103 |
| Loan loss allowance to noncurrent loans | 429.8246% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 5,433 |
| Noncurrent loans to loans | 0.2685% | 5,560 |
| Net loans and leases to total assets | 37.1239% | 6,214 |
| Net loans and leases to deposits | 44.1110% | 6,199 |
| Net loans and leases to core deposits | 44.4407% | 6,283 |
| Total domestic deposits to total assets | 84.1603% | 4,128 |
| Equity capital to assets | 15.7018% | 594 |
| Core capital (leverage) ratio | 15.5270% | 559 |
| Tier 1 risk-based capital ratio | 34.7348% | 344 |
| Total risk-based capital ratio | 35.6876% | 348 |
| Memoranda: | ||
| Average total assets | $57,422,750 | 5,888 |
| Average earning assets | $51,499,000 | 5,914 |
| Average equity | $8,888,000 | 5,167 |
| Average total loans | $20,133,500 | 6,261 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1125% | 6,328 |
| Cost of funding earning assets | 0.3085% | 5,760 |
| Net interest margin | 2.8040% | 5,995 |
| Noninterest income to average assets | 0.4262% | 4,331 |
| Noninterest expense to average assets | 1.8885% | 6,244 |
| Loan and lease loss provision to assets | 0.0589% | 3,829 |
| Net operating income to assets | 0.9148% | 2,722 |
| Return on assets (ROA) | 0.9148% | 2,861 |
| Pretax return on assets | 0.9668% | 3,652 |
| Return on Equity (ROE) | 5.9381% | 4,210 |
| Retained earnings to average equity (ytd only) | 2.0244% | 4,984 |
| Net charge-offs to loans | 0.1720% | 2,746 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 17.4118% | 1,607 |
| Efficiency ratio | 64.8038% | 4,739 |
| Assets per employee ($millions) | 4.1434% | 3,483 |
| Cash dividends to net income (ytd only)* | 65.9091% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 5,162 |
| Loan loss allowance to noncurrent loans | 765.6250% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 5,915 |
| Noncurrent loans to loans | 0.1525% | 5,941 |
| Net loans and leases to total assets | 35.7629% | 6,317 |
| Net loans and leases to deposits | 42.1809% | 6,315 |
| Net loans and leases to core deposits | 42.4850% | 6,387 |
| Total domestic deposits to total assets | 84.7846% | 4,003 |
| Equity capital to assets | 15.1051% | 694 |
| Core capital (leverage) ratio | 15.1889% | 583 |
| Tier 1 risk-based capital ratio | 34.2161% | 361 |
| Total risk-based capital ratio | 35.1662% | 367 |
| Memoranda: | ||
| Average total assets | $57,718,670 | 5,923 |
| Average earning assets | $51,213,330 | 5,964 |
| Average equity | $8,891,670 | 5,198 |
| Average total loans | $19,767,000 | 6,316 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0047% | 6,513 |
| Cost of funding earning assets | 0.3259% | 5,753 |
| Net interest margin | 2.6788% | 6,253 |
| Noninterest income to average assets | 0.4169% | 4,334 |
| Noninterest expense to average assets | 1.8480% | 6,368 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8821% | 2,739 |
| Return on assets (ROA) | 0.8754% | 2,928 |
| Pretax return on assets | 0.9032% | 3,754 |
| Return on Equity (ROE) | 5.6272% | 4,246 |
| Retained earnings to average equity (ytd only) | 1.3845% | 5,288 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0025% | 4,489 |
| Assets per employee ($millions) | 4.1326% | 3,674 |
| Cash dividends to net income (ytd only)* | 75.3968% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 4,962 |
| Loan loss allowance to noncurrent loans | 204.1667% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.4062% | 5,377 |
| Noncurrent loans to loans | 0.6110% | 4,914 |
| Net loans and leases to total assets | 33.5212% | 6,441 |
| Net loans and leases to deposits | 39.6954% | 6,434 |
| Net loans and leases to core deposits | 39.9835% | 6,483 |
| Total domestic deposits to total assets | 84.4459% | 4,293 |
| Equity capital to assets | 15.4798% | 644 |
| Core capital (leverage) ratio | 15.1264% | 573 |
| Tier 1 risk-based capital ratio | 35.2418% | 340 |
| Total risk-based capital ratio | 36.2269% | 343 |
| Memoranda: | ||
| Average total assets | $57,574,500 | 5,976 |
| Average earning assets | $50,321,000 | 6,040 |
| Average equity | $8,956,500 | 5,228 |
| Average total loans | $19,155,500 | 6,404 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1348% | 6,699 |
| Cost of funding earning assets | 0.4200% | 5,787 |
| Net interest margin | 2.7147% | 6,500 |
| Noninterest income to average assets | 0.5533% | 3,556 |
| Noninterest expense to average assets | 2.2044% | 5,915 |
| Loan and lease loss provision to assets | 0.0505% | 5,185 |
| Net operating income to assets | 0.7246% | 3,626 |
| Return on assets (ROA) | 0.7499% | 3,757 |
| Pretax return on assets | 0.7760% | 4,385 |
| Return on Equity (ROE) | 4.9402% | 4,699 |
| Retained earnings to average equity (ytd only) | 2.8885% | 4,204 |
| Net charge-offs to loans | 0.0475% | 5,252 |
| Credit loss provision to net charge-offs | 322.2222% | 757 |
| Earnings coverage of net charge-offs (x) | 51.1111% | 672 |
| Efficiency ratio | 73.3642% | 3,178 |
| Assets per employee ($millions) | 4.4072% | 3,131 |
| Cash dividends to net income (ytd only)* | 41.5313% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 4,571 |
| Loan loss allowance to noncurrent loans | 194.4444% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.4206% | 5,435 |
| Noncurrent loans to loans | 0.6748% | 4,849 |
| Net loans and leases to total assets | 32.1627% | 6,619 |
| Net loans and leases to deposits | 38.1606% | 6,630 |
| Net loans and leases to core deposits | 38.6448% | 6,652 |
| Total domestic deposits to total assets | 84.2825% | 4,191 |
| Equity capital to assets | 15.6337% | 615 |
| Core capital (leverage) ratio | 15.2580% | 531 |
| Tier 1 risk-based capital ratio | 35.9010% | 321 |
| Total risk-based capital ratio | 36.9081% | 321 |
| Memoranda: | ||
| Average total assets | $57,475,800 | 5,985 |
| Average earning assets | $51,902,000 | 5,986 |
| Average equity | $8,724,400 | 5,296 |
| Average total loans | $18,954,600 | 6,466 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1931% | 6,799 |
| Cost of funding earning assets | 0.4390% | 5,872 |
| Net interest margin | 2.7540% | 6,573 |
| Noninterest income to average assets | 0.3801% | 4,783 |
| Noninterest expense to average assets | 2.1835% | 5,988 |
| Loan and lease loss provision to assets | 0.0162% | 5,606 |
| Net operating income to assets | 0.6616% | 4,085 |
| Return on assets (ROA) | 0.6931% | 4,200 |
| Pretax return on assets | 0.7139% | 4,815 |
| Return on Equity (ROE) | 4.6001% | 5,002 |
| Retained earnings to average equity (ytd only) | 2.2308% | 5,223 |
| Net charge-offs to loans | 0.0490% | 4,970 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 43.0139% | 832 |
| Efficiency ratio | 75.7844% | 2,708 |
| Assets per employee ($millions) | 4.0998% | 3,680 |
| Cash dividends to net income (ytd only)* | 51.5050% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 5,389 |
| Loan loss allowance to noncurrent loans | 47.7707% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 0.8206% | 4,650 |
| Noncurrent loans to loans | 2.4642% | 2,336 |
| Net loans and leases to total assets | 32.9094% | 6,708 |
| Net loans and leases to deposits | 38.9063% | 6,719 |
| Net loans and leases to core deposits | 39.3956% | 6,768 |
| Total domestic deposits to total assets | 84.5863% | 3,937 |
| Equity capital to assets | 15.3405% | 740 |
| Core capital (leverage) ratio | 14.9876% | 609 |
| Tier 1 risk-based capital ratio | 35.3363% | 345 |
| Total risk-based capital ratio | 36.2579% | 352 |
| Memoranda: | ||
| Average total assets | $57,521,500 | 6,049 |
| Average earning assets | $52,237,000 | 6,047 |
| Average equity | $8,666,250 | 5,362 |
| Average total loans | $19,025,250 | 6,548 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2689% | 6,835 |
| Cost of funding earning assets | 0.4620% | 5,894 |
| Net interest margin | 2.8069% | 6,565 |
| Noninterest income to average assets | 0.3822% | 4,780 |
| Noninterest expense to average assets | 2.2063% | 5,991 |
| Loan and lease loss provision to assets | 0.0174% | 5,449 |
| Net operating income to assets | 0.6720% | 4,007 |
| Return on assets (ROA) | 0.7192% | 4,033 |
| Pretax return on assets | 0.7401% | 4,706 |
| Return on Equity (ROE) | 4.8028% | 4,902 |
| Retained earnings to average equity (ytd only) | 1.7865% | 5,300 |
| Net charge-offs to loans | 0.0526% | 4,669 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 40.8000% | 857 |
| Efficiency ratio | 75.6853% | 2,790 |
| Assets per employee ($millions) | 4.1721% | 3,517 |
| Cash dividends to net income (ytd only)* | 62.8019% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 5,556 |
| Loan loss allowance to noncurrent loans | 51.4874% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 0.7482% | 4,926 |
| Noncurrent loans to loans | 2.2405% | 2,682 |
| Net loans and leases to total assets | 33.0080% | 6,770 |
| Net loans and leases to deposits | 38.7787% | 6,771 |
| Net loans and leases to core deposits | 39.0236% | 6,829 |
| Total domestic deposits to total assets | 85.1190% | 3,806 |
| Equity capital to assets | 14.7851% | 835 |
| Core capital (leverage) ratio | 14.5636% | 686 |
| Tier 1 risk-based capital ratio | 32.7994% | 410 |
| Total risk-based capital ratio | 33.6616% | 416 |
| Memoranda: | ||
| Average total assets | $57,563,000 | 6,090 |
| Average earning assets | $51,943,330 | 6,092 |
| Average equity | $8,620,000 | 5,377 |
| Average total loans | $18,995,670 | 6,599 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4186% | 6,786 |
| Cost of funding earning assets | 0.4873% | 5,885 |
| Net interest margin | 2.9314% | 6,435 |
| Noninterest income to average assets | 0.4480% | 4,305 |
| Noninterest expense to average assets | 2.1771% | 6,100 |
| Loan and lease loss provision to assets | 0.0140% | 5,138 |
| Net operating income to assets | 0.8208% | 3,294 |
| Return on assets (ROA) | 0.8541% | 3,372 |
| Pretax return on assets | 0.9031% | 4,017 |
| Return on Equity (ROE) | 5.6665% | 4,468 |
| Retained earnings to average equity (ytd only) | 2.1830% | 5,173 |
| Net charge-offs to loans | 0.0427% | 4,094 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 533 |
| Efficiency ratio | 71.1670% | 3,591 |
| Assets per employee ($millions) | 4.1024% | 3,792 |
| Cash dividends to net income (ytd only)* | 61.4754% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 5,330 |
| Loan loss allowance to noncurrent loans | 45.7317% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 0.8567% | 4,815 |
| Noncurrent loans to loans | 2.7061% | 2,409 |
| Net loans and leases to total assets | 31.2643% | 6,864 |
| Net loans and leases to deposits | 36.8404% | 6,861 |
| Net loans and leases to core deposits | 37.1038% | 6,905 |
| Total domestic deposits to total assets | 84.8641% | 4,101 |
| Equity capital to assets | 15.0401% | 740 |
| Core capital (leverage) ratio | 14.8498% | 627 |
| Tier 1 risk-based capital ratio | 37.2847% | 281 |
| Total risk-based capital ratio | 38.2682% | 284 |
| Memoranda: | ||
| Average total assets | $57,139,500 | 6,149 |
| Average earning assets | $50,897,500 | 6,162 |
| Average equity | $8,612,000 | 5,397 |
| Average total loans | $18,741,000 | 6,672 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7389% | 6,801 |
| Cost of funding earning assets | 0.6701% | 5,707 |
| Net interest margin | 3.0688% | 6,408 |
| Noninterest income to average assets | 0.4298% | 4,375 |
| Noninterest expense to average assets | 2.1132% | 6,468 |
| Loan and lease loss provision to assets | 0.0304% | 6,190 |
| Net operating income to assets | 1.0689% | 1,929 |
| Return on assets (ROA) | 1.1210% | 1,877 |
| Pretax return on assets | 1.1873% | 2,503 |
| Return on Equity (ROE) | 7.5157% | 3,141 |
| Retained earnings to average equity (ytd only) | 4.3942% | 3,048 |
| Net charge-offs to loans | 0.0853% | 5,469 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 38.1765% | 705 |
| Efficiency ratio | 64.5161% | 5,037 |
| Assets per employee ($millions) | 3.7897% | 4,344 |
| Cash dividends to net income (ytd only)* | 41.5335% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 5,557 |
| Loan loss allowance to noncurrent loans | 32.0513% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 1.2349% | 4,167 |
| Noncurrent loans to loans | 3.6371% | 1,748 |
| Net loans and leases to total assets | 33.5573% | 6,884 |
| Net loans and leases to deposits | 39.5866% | 6,904 |
| Net loans and leases to core deposits | 39.9640% | 6,949 |
| Total domestic deposits to total assets | 84.7694% | 3,977 |
| Equity capital to assets | 15.1040% | 753 |
| Core capital (leverage) ratio | 15.0310% | 601 |
| Tier 1 risk-based capital ratio | 37.4779% | 280 |
| Total risk-based capital ratio | 38.4721% | 280 |
| Memoranda: | ||
| Average total assets | $55,840,800 | 6,168 |
| Average earning assets | $51,779,600 | 6,130 |
| Average equity | $8,329,200 | 5,469 |
| Average total loans | $19,936,200 | 6,661 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7764% | 6,868 |
| Cost of funding earning assets | 0.6973% | 5,784 |
| Net interest margin | 3.0790% | 6,431 |
| Noninterest income to average assets | 0.4269% | 4,464 |
| Noninterest expense to average assets | 2.0819% | 6,529 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1795% | 1,715 |
| Return on assets (ROA) | 1.1657% | 1,875 |
| Pretax return on assets | 1.2112% | 2,593 |
| Return on Equity (ROE) | 7.8400% | 3,111 |
| Retained earnings to average equity (ytd only) | 4.5169% | 3,504 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9442% | 5,248 |
| Assets per employee ($millions) | 3.6834% | 4,567 |
| Cash dividends to net income (ytd only)* | 42.3871% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1129% | 5,836 |
| Loan loss allowance to noncurrent loans | 38.3959% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 1.0606% | 4,653 |
| Noncurrent loans to loans | 2.8986% | 2,407 |
| Net loans and leases to total assets | 36.1840% | 6,861 |
| Net loans and leases to deposits | 42.7472% | 6,886 |
| Net loans and leases to core deposits | 43.1662% | 6,945 |
| Total domestic deposits to total assets | 84.6464% | 3,943 |
| Equity capital to assets | 15.2305% | 788 |
| Core capital (leverage) ratio | 14.9707% | 669 |
| Tier 1 risk-based capital ratio | 37.2130% | 297 |
| Total risk-based capital ratio | 38.2103% | 295 |
| Memoranda: | ||
| Average total assets | $55,589,500 | 6,222 |
| Average earning assets | $52,006,000 | 6,175 |
| Average equity | $8,265,000 | 5,522 |
| Average total loans | $20,095,000 | 6,719 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7063% | 7,010 |
| Cost of funding earning assets | 0.7236% | 5,813 |
| Net interest margin | 2.9828% | 6,640 |
| Noninterest income to average assets | 0.3950% | 4,720 |
| Noninterest expense to average assets | 2.0969% | 6,599 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0332% | 2,095 |
| Return on assets (ROA) | 1.0125% | 2,273 |
| Pretax return on assets | 1.0592% | 3,014 |
| Return on Equity (ROE) | 6.8655% | 3,503 |
| Retained earnings to average equity (ytd only) | 3.7005% | 3,860 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9887% | 4,873 |
| Assets per employee ($millions) | 3.7070% | 4,424 |
| Cash dividends to net income (ytd only)* | 46.0993% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 5,792 |
| Loan loss allowance to noncurrent loans | 32.2350% | 6,133 |
| Noncurrent assets plus other real estate owned to assets | 1.2553% | 4,386 |
| Noncurrent loans to loans | 3.5387% | 1,999 |
| Net loans and leases to total assets | 35.0688% | 7,014 |
| Net loans and leases to deposits | 41.2978% | 7,024 |
| Net loans and leases to core deposits | 41.6979% | 7,078 |
| Total domestic deposits to total assets | 84.9168% | 3,913 |
| Equity capital to assets | 14.9717% | 831 |
| Core capital (leverage) ratio | 14.4989% | 760 |
| Tier 1 risk-based capital ratio | 37.1195% | 299 |
| Total risk-based capital ratio | 38.1297% | 296 |
| Memoranda: | ||
| Average total assets | $55,702,330 | 6,269 |
| Average earning assets | $51,965,000 | 6,222 |
| Average equity | $8,215,000 | 5,545 |
| Average total loans | $20,054,330 | 6,784 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5359% | 7,189 |
| Cost of funding earning assets | 0.7444% | 5,897 |
| Net interest margin | 2.7915% | 6,916 |
| Noninterest income to average assets | 0.3803% | 4,871 |
| Noninterest expense to average assets | 2.0879% | 6,668 |
| Loan and lease loss provision to assets | 0.0143% | 5,736 |
| Net operating income to assets | 0.8179% | 2,936 |
| Return on assets (ROA) | 0.8179% | 2,991 |
| Pretax return on assets | 0.8610% | 3,659 |
| Return on Equity (ROE) | 5.5882% | 4,119 |
| Retained earnings to average equity (ytd only) | 2.6471% | 4,579 |
| Net charge-offs to loans | 0.0396% | 4,559 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 487 |
| Efficiency ratio | 70.4600% | 4,171 |
| Assets per employee ($millions) | 3.4918% | 5,016 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 5,955 |
| Loan loss allowance to noncurrent loans | 38.3305% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 1.0507% | 4,823 |
| Noncurrent loans to loans | 2.9344% | 2,557 |
| Net loans and leases to total assets | 35.4031% | 7,028 |
| Net loans and leases to deposits | 41.5028% | 7,040 |
| Net loans and leases to core deposits | 41.9393% | 7,111 |
| Total domestic deposits to total assets | 85.3029% | 3,884 |
| Equity capital to assets | 14.5987% | 854 |
| Core capital (leverage) ratio | 14.4313% | 751 |
| Tier 1 risk-based capital ratio | 35.6616% | 332 |
| Total risk-based capital ratio | 36.6438% | 330 |
| Memoranda: | ||
| Average total assets | $55,751,000 | 6,315 |
| Average earning assets | $51,585,000 | 6,286 |
| Average equity | $8,160,000 | 5,563 |
| Average total loans | $20,219,000 | 6,827 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2644% | 6,841 |
| Cost of funding earning assets | 1.1345% | 4,939 |
| Net interest margin | 3.1299% | 6,440 |
| Noninterest income to average assets | 0.4780% | 4,329 |
| Noninterest expense to average assets | 2.3646% | 6,185 |
| Loan and lease loss provision to assets | 0.2770% | 4,593 |
| Net operating income to assets | 0.6382% | 3,496 |
| Return on assets (ROA) | 0.7242% | 3,257 |
| Pretax return on assets | 0.7641% | 3,746 |
| Return on Equity (ROE) | 4.8875% | 4,115 |
| Retained earnings to average equity (ytd only) | 0.5865% | 5,288 |
| Net charge-offs to loans | 0.1645% | 5,349 |
| Credit loss provision to net charge-offs | 450.0000% | 509 |
| Earnings coverage of net charge-offs (x) | 15.4412% | 1,279 |
| Efficiency ratio | 71.3271% | 3,930 |
| Assets per employee ($millions) | 3.4771% | 4,988 |
| Cash dividends to net income (ytd only)* | 88.0000% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 5,947 |
| Loan loss allowance to noncurrent loans | 38.5274% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 1.3050% | 4,421 |
| Noncurrent loans to loans | 2.8580% | 2,663 |
| Net loans and leases to total assets | 36.3249% | 7,147 |
| Net loans and leases to deposits | 42.6287% | 7,164 |
| Net loans and leases to core deposits | 43.1144% | 7,228 |
| Total domestic deposits to total assets | 85.2123% | 3,746 |
| Equity capital to assets | 14.6745% | 868 |
| Core capital (leverage) ratio | 14.3144% | 784 |
| Tier 1 risk-based capital ratio | 35.1466% | 346 |
| Total risk-based capital ratio | 36.1211% | 346 |
| Memoranda: | ||
| Average total assets | $55,231,600 | 6,362 |
| Average earning assets | $50,065,800 | 6,363 |
| Average equity | $8,184,200 | 5,657 |
| Average total loans | $20,670,800 | 6,891 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4255% | 6,773 |
| Cost of funding earning assets | 1.1844% | 4,953 |
| Net interest margin | 3.2411% | 6,205 |
| Noninterest income to average assets | 0.4643% | 4,458 |
| Noninterest expense to average assets | 2.2104% | 6,578 |
| Loan and lease loss provision to assets | 0.3410% | 3,876 |
| Net operating income to assets | 0.7879% | 3,056 |
| Return on assets (ROA) | 0.7812% | 3,242 |
| Pretax return on assets | 0.8440% | 3,760 |
| Return on Equity (ROE) | 5.2588% | 4,165 |
| Retained earnings to average equity (ytd only) | -0.1628% | 5,820 |
| Net charge-offs to loans | 0.0965% | 5,567 |
| Credit loss provision to net charge-offs | 940.0000% | 308 |
| Earnings coverage of net charge-offs (x) | 32.8660% | 815 |
| Efficiency ratio | 64.9609% | 5,059 |
| Assets per employee ($millions) | 3.4665% | 5,063 |
| Cash dividends to net income (ytd only)* | 103.0952% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 5,797 |
| Loan loss allowance to noncurrent loans | 36.5931% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 1.1431% | 4,834 |
| Noncurrent loans to loans | 3.0937% | 2,578 |
| Net loans and leases to total assets | 36.5300% | 7,241 |
| Net loans and leases to deposits | 42.7953% | 7,280 |
| Net loans and leases to core deposits | 43.3085% | 7,342 |
| Total domestic deposits to total assets | 85.3599% | 3,427 |
| Equity capital to assets | 14.4941% | 1,019 |
| Core capital (leverage) ratio | 14.3552% | 842 |
| Tier 1 risk-based capital ratio | 35.0228% | 348 |
| Total risk-based capital ratio | 36.0313% | 347 |
| Memoranda: | ||
| Average total assets | $55,131,000 | 6,444 |
| Average earning assets | $49,982,250 | 6,436 |
| Average equity | $8,189,250 | 5,733 |
| Average total loans | $20,730,000 | 6,974 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4788% | 6,756 |
| Cost of funding earning assets | 1.2094% | 5,072 |
| Net interest margin | 3.2694% | 6,109 |
| Noninterest income to average assets | 0.4835% | 4,252 |
| Noninterest expense to average assets | 2.2137% | 6,614 |
| Loan and lease loss provision to assets | 0.1091% | 5,820 |
| Net operating income to assets | 1.0505% | 2,011 |
| Return on assets (ROA) | 1.0505% | 2,085 |
| Pretax return on assets | 1.1087% | 2,758 |
| Return on Equity (ROE) | 7.0151% | 3,293 |
| Retained earnings to average equity (ytd only) | 1.3351% | 5,219 |
| Net charge-offs to loans | -0.0288% | 7,343 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5127% | 5,240 |
| Assets per employee ($millions) | 3.3238% | 5,375 |
| Cash dividends to net income (ytd only)* | 80.9689% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6818% | 7,283 |
| Loan loss allowance to noncurrent loans | 15.3591% | 7,136 |
| Noncurrent assets plus other real estate owned to assets | 1.6335% | 3,988 |
| Noncurrent loans to loans | 4.4391% | 1,644 |
| Net loans and leases to total assets | 35.8346% | 7,358 |
| Net loans and leases to deposits | 42.0222% | 7,393 |
| Net loans and leases to core deposits | 42.5164% | 7,440 |
| Total domestic deposits to total assets | 85.2754% | 3,479 |
| Equity capital to assets | 14.5848% | 989 |
| Core capital (leverage) ratio | 14.7744% | 768 |
| Tier 1 risk-based capital ratio | 33.4211% | 392 |
| Total risk-based capital ratio | 33.9929% | 398 |
| Memoranda: | ||
| Average total assets | $55,020,000 | 6,488 |
| Average earning assets | $49,611,670 | 6,488 |
| Average equity | $8,239,330 | 5,715 |
| Average total loans | $20,809,000 | 7,021 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5830% | 6,605 |
| Cost of funding earning assets | 1.2373% | 5,186 |
| Net interest margin | 3.3456% | 5,802 |
| Noninterest income to average assets | 0.5085% | 3,985 |
| Noninterest expense to average assets | 2.2256% | 6,617 |
| Loan and lease loss provision to assets | 0.1105% | 5,519 |
| Net operating income to assets | 1.1202% | 1,761 |
| Return on assets (ROA) | 1.1202% | 1,844 |
| Pretax return on assets | 1.2012% | 2,355 |
| Return on Equity (ROE) | 7.3800% | 3,173 |
| Retained earnings to average equity (ytd only) | 0.0971% | 5,785 |
| Net charge-offs to loans | -0.0761% | 7,465 |
| Credit loss provision to net charge-offs | -375.0000% | 6,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9167% | 5,676 |
| Assets per employee ($millions) | 3.2575% | 5,637 |
| Cash dividends to net income (ytd only)* | 98.6842% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5997% | 7,498 |
| Loan loss allowance to noncurrent loans | 10.9649% | 7,314 |
| Noncurrent assets plus other real estate owned to assets | 2.0911% | 3,398 |
| Noncurrent loans to loans | 5.4692% | 1,289 |
| Net loans and leases to total assets | 37.4138% | 7,368 |
| Net loans and leases to deposits | 44.0258% | 7,403 |
| Net loans and leases to core deposits | 44.5541% | 7,472 |
| Total domestic deposits to total assets | 84.9814% | 3,683 |
| Equity capital to assets | 14.8976% | 903 |
| Core capital (leverage) ratio | 14.7465% | 801 |
| Tier 1 risk-based capital ratio | 33.4397% | 394 |
| Total risk-based capital ratio | 33.9577% | 410 |
| Memoranda: | ||
| Average total assets | $54,278,000 | 6,598 |
| Average earning assets | $49,138,500 | 6,583 |
| Average equity | $8,238,500 | 5,754 |
| Average total loans | $21,020,000 | 7,097 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0920% | 6,121 |
| Cost of funding earning assets | 1.5997% | 5,028 |
| Net interest margin | 3.4922% | 4,994 |
| Noninterest income to average assets | 0.5108% | 4,326 |
| Noninterest expense to average assets | 2.1993% | 6,998 |
| Loan and lease loss provision to assets | 0.3335% | 4,809 |
| Net operating income to assets | 1.1755% | 1,313 |
| Return on assets (ROA) | 1.2066% | 1,280 |
| Pretax return on assets | 1.2760% | 1,765 |
| Return on Equity (ROE) | 7.6895% | 2,498 |
| Retained earnings to average equity (ytd only) | 2.6901% | 3,267 |
| Net charge-offs to loans | 1.7985% | 1,393 |
| Credit loss provision to net charge-offs | 44.9351% | 6,792 |
| Earnings coverage of net charge-offs (x) | 2.1247% | 4,136 |
| Efficiency ratio | 58.2440% | 6,728 |
| Assets per employee ($millions) | 2.6589% | 6,931 |
| Cash dividends to net income (ytd only)* | 65.0160% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5001% | 7,665 |
| Loan loss allowance to noncurrent loans | 40.0000% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 6,206 |
| Noncurrent loans to loans | 1.2502% | 4,858 |
| Net loans and leases to total assets | 39.6593% | 7,367 |
| Net loans and leases to deposits | 47.0297% | 7,396 |
| Net loans and leases to core deposits | 54.2857% | 7,462 |
| Total domestic deposits to total assets | 84.3281% | 3,875 |
| Equity capital to assets | 15.4707% | 799 |
| Core capital (leverage) ratio | 15.0438% | 776 |
| Tier 1 risk-based capital ratio | 33.1812% | 403 |
| Total risk-based capital ratio | 33.6171% | 425 |
| Memoranda: | ||
| Average total assets | $51,879,600 | 6,642 |
| Average earning assets | $48,507,800 | 6,579 |
| Average equity | $8,141,000 | 5,875 |
| Average total loans | $21,406,200 | 7,118 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1733% | 5,996 |
| Cost of funding earning assets | 1.6793% | 5,005 |
| Net interest margin | 3.4940% | 4,880 |
| Noninterest income to average assets | 0.4991% | 4,488 |
| Noninterest expense to average assets | 2.1750% | 7,036 |
| Loan and lease loss provision to assets | 0.1060% | 6,316 |
| Net operating income to assets | 1.4118% | 999 |
| Return on assets (ROA) | 1.5543% | 781 |
| Pretax return on assets | 1.6396% | 1,093 |
| Return on Equity (ROE) | 9.8690% | 1,967 |
| Retained earnings to average equity (ytd only) | 4.3844% | 2,823 |
| Net charge-offs to loans | 0.0186% | 6,649 |
| Credit loss provision to net charge-offs | 1,366.6667% | 286 |
| Earnings coverage of net charge-offs (x) | 205.6625% | 185 |
| Efficiency ratio | 57.6818% | 6,763 |
| Assets per employee ($millions) | 3.0936% | 5,925 |
| Cash dividends to net income (ytd only)* | 55.5740% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6289% | 2,881 |
| Loan loss allowance to noncurrent loans | 295.0413% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 6,939 |
| Noncurrent loans to loans | 0.5521% | 6,212 |
| Net loans and leases to total assets | 40.9937% | 7,411 |
| Net loans and leases to deposits | 48.8778% | 7,464 |
| Net loans and leases to core deposits | 57.0993% | 7,503 |
| Total domestic deposits to total assets | 83.8699% | 3,787 |
| Equity capital to assets | 15.8867% | 806 |
| Core capital (leverage) ratio | 15.3203% | 800 |
| Tier 1 risk-based capital ratio | 31.9400% | 471 |
| Total risk-based capital ratio | 33.2271% | 462 |
| Memoranda: | ||
| Average total assets | $51,555,000 | 6,703 |
| Average earning assets | $48,272,500 | 6,636 |
| Average equity | $8,119,500 | 5,938 |
| Average total loans | $21,458,750 | 7,177 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2338% | 5,941 |
| Cost of funding earning assets | 1.7294% | 5,129 |
| Net interest margin | 3.5045% | 4,776 |
| Noninterest income to average assets | 0.4726% | 4,693 |
| Noninterest expense to average assets | 2.2222% | 7,000 |
| Loan and lease loss provision to assets | 0.1406% | 5,669 |
| Net operating income to assets | 1.3258% | 1,172 |
| Return on assets (ROA) | 1.5388% | 825 |
| Pretax return on assets | 1.6286% | 1,153 |
| Return on Equity (ROE) | 9.7998% | 2,094 |
| Retained earnings to average equity (ytd only) | 3.4822% | 3,374 |
| Net charge-offs to loans | -0.0282% | 7,766 |
| Credit loss provision to net charge-offs | -1,200.0000% | 7,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0249% | 6,688 |
| Assets per employee ($millions) | 3.0725% | 5,940 |
| Cash dividends to net income (ytd only)* | 64.4670% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6363% | 2,588 |
| Loan loss allowance to noncurrent loans | 216.3636% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 6,669 |
| Noncurrent loans to loans | 0.7563% | 5,724 |
| Net loans and leases to total assets | 41.0859% | 7,500 |
| Net loans and leases to deposits | 48.8227% | 7,535 |
| Net loans and leases to core deposits | 57.1520% | 7,548 |
| Total domestic deposits to total assets | 84.1534% | 3,674 |
| Equity capital to assets | 15.5518% | 917 |
| Core capital (leverage) ratio | 15.2711% | 862 |
| Tier 1 risk-based capital ratio | 31.6094% | 513 |
| Total risk-based capital ratio | 32.8994% | 501 |
| Memoranda: | ||
| Average total assets | $51,209,670 | 6,780 |
| Average earning assets | $48,110,000 | 6,706 |
| Average equity | $8,041,000 | 6,010 |
| Average total loans | $21,306,330 | 7,254 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2625% | 6,057 |
| Cost of funding earning assets | 1.7597% | 5,315 |
| Net interest margin | 3.5028% | 4,722 |
| Noninterest income to average assets | 0.4813% | 4,496 |
| Noninterest expense to average assets | 2.2486% | 6,697 |
| Loan and lease loss provision to assets | 0.2288% | 4,156 |
| Net operating income to assets | 1.2809% | 1,429 |
| Return on assets (ROA) | 1.6332% | 815 |
| Pretax return on assets | 1.7200% | 1,140 |
| Return on Equity (ROE) | 10.3500% | 2,181 |
| Retained earnings to average equity (ytd only) | 4.1000% | 3,618 |
| Net charge-offs to loans | -0.0950% | 7,864 |
| Credit loss provision to net charge-offs | -580.0000% | 6,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7629% | 6,578 |
| Assets per employee ($millions) | 3.0075% | 6,131 |
| Cash dividends to net income (ytd only)* | 60.3865% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6414% | 2,346 |
| Loan loss allowance to noncurrent loans | 283.8710% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 6,788 |
| Noncurrent loans to loans | 0.5782% | 5,955 |
| Net loans and leases to total assets | 41.2553% | 7,510 |
| Net loans and leases to deposits | 49.0603% | 7,534 |
| Net loans and leases to core deposits | 57.3725% | 7,548 |
| Total domestic deposits to total assets | 84.0909% | 3,662 |
| Equity capital to assets | 15.6548% | 935 |
| Core capital (leverage) ratio | 15.4897% | 867 |
| Tier 1 risk-based capital ratio | 31.6186% | 553 |
| Total risk-based capital ratio | 32.9066% | 538 |
| Memoranda: | ||
| Average total assets | $50,698,500 | 6,832 |
| Average earning assets | $48,418,500 | 6,733 |
| Average equity | $8,000,000 | 6,066 |
| Average total loans | $21,051,000 | 7,307 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0998% | 5,045 |
| Cost of funding earning assets | 2.4061% | 4,700 |
| Net interest margin | 3.6937% | 4,500 |
| Noninterest income to average assets | 0.5202% | 4,466 |
| Noninterest expense to average assets | 2.1904% | 6,990 |
| Loan and lease loss provision to assets | 0.4816% | 2,893 |
| Net operating income to assets | 1.2841% | 1,531 |
| Return on assets (ROA) | 1.2822% | 1,485 |
| Pretax return on assets | 1.3492% | 2,132 |
| Return on Equity (ROE) | 8.0184% | 3,069 |
| Retained earnings to average equity (ytd only) | 3.2531% | 3,128 |
| Net charge-offs to loans | 0.1207% | 5,038 |
| Credit loss provision to net charge-offs | 948.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 36.0800% | 1,019 |
| Efficiency ratio | 54.4444% | 7,225 |
| Assets per employee ($millions) | 2.9570% | 6,158 |
| Cash dividends to net income (ytd only)* | 59.4295% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 2,506 |
| Loan loss allowance to noncurrent loans | 407.6923% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 6,950 |
| Noncurrent loans to loans | 0.3776% | 6,222 |
| Net loans and leases to total assets | 40.4603% | 7,648 |
| Net loans and leases to deposits | 48.2527% | 7,700 |
| Net loans and leases to core deposits | 58.1812% | 7,659 |
| Total domestic deposits to total assets | 83.8509% | 3,395 |
| Equity capital to assets | 15.9064% | 958 |
| Core capital (leverage) ratio | 15.3071% | 958 |
| Tier 1 risk-based capital ratio | 31.7183% | 561 |
| Total risk-based capital ratio | 33.0033% | 549 |
| Memoranda: | ||
| Average total assets | $49,214,200 | 6,814 |
| Average earning assets | $46,674,000 | 6,729 |
| Average equity | $7,869,400 | 6,139 |
| Average total loans | $20,711,000 | 7,286 |