Home > Union State Bank > Performance and Condition Ratios
Union State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6410% | 3,702 |
| Cost of funding earning assets | 1.5089% | 3,172 |
| Net interest margin | 3.1321% | 3,148 |
| Noninterest income to average assets | 0.4700% | 1,878 |
| Noninterest expense to average assets | 2.6981% | 1,759 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.6693% | 3,178 |
| Return on assets (ROA) | 0.7035% | 3,117 |
| Pretax return on assets | 0.7302% | 3,336 |
| Return on Equity (ROE) | 10.9400% | 2,032 |
| Retained earnings to average equity (ytd only) | 8.6359% | 1,525 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 79.5276% | 975 |
| Assets per employee ($millions) | 6.5901% | 2,502 |
| Cash dividends to net income (ytd only)* | 21.0970% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6347% | 4,121 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 60.5200% | 2,830 |
| Net loans and leases to deposits | 65.1209% | 3,194 |
| Net loans and leases to core deposits | 69.9162% | 3,299 |
| Total domestic deposits to total assets | 92.9300% | 150 |
| Equity capital to assets | 6.4526% | 4,159 |
| Core capital (leverage) ratio | 8.1887% | 4,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4465% | 2,374 |
| Memoranda: | ||
| Average total assets | $134,759,500 | 3,505 |
| Average earning assets | $125,922,000 | 3,483 |
| Average equity | $8,661,500 | 3,920 |
| Average total loans | $84,671,500 | 3,386 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7441% | 3,526 |
| Cost of funding earning assets | 1.8626% | 2,558 |
| Net interest margin | 2.8814% | 3,347 |
| Noninterest income to average assets | 0.4600% | 2,109 |
| Noninterest expense to average assets | 2.5499% | 2,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.5546% | 3,341 |
| Return on assets (ROA) | 0.5180% | 3,444 |
| Pretax return on assets | 0.5393% | 3,574 |
| Return on Equity (ROE) | 8.8300% | 2,519 |
| Retained earnings to average equity (ytd only) | 3.2716% | 2,928 |
| Net charge-offs to loans | 0.0168% | 2,302 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 56.2857% | 1,141 |
| Efficiency ratio | 81.5370% | 948 |
| Assets per employee ($millions) | 5.9603% | 2,903 |
| Cash dividends to net income (ytd only)* | 62.9420% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6290% | 4,149 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 64.4600% | 2,529 |
| Net loans and leases to deposits | 69.5069% | 2,990 |
| Net loans and leases to core deposits | 81.0330% | 2,707 |
| Total domestic deposits to total assets | 92.7300% | 191 |
| Equity capital to assets | 6.4007% | 4,114 |
| Core capital (leverage) ratio | 7.4509% | 4,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4392% | 2,403 |
| Memoranda: | ||
| Average total assets | $136,473,800 | 3,480 |
| Average earning assets | $126,325,600 | 3,473 |
| Average equity | $8,008,400 | 3,961 |
| Average total loans | $83,452,600 | 3,381 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5851% | 3,716 |
| Cost of funding earning assets | 1.8349% | 2,624 |
| Net interest margin | 2.7502% | 3,528 |
| Noninterest income to average assets | 0.4600% | 2,078 |
| Noninterest expense to average assets | 2.3984% | 2,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.5814% | 3,272 |
| Return on assets (ROA) | 0.5331% | 3,408 |
| Pretax return on assets | 0.5553% | 3,555 |
| Return on Equity (ROE) | 9.2800% | 2,398 |
| Retained earnings to average equity (ytd only) | 4.6509% | 2,603 |
| Net charge-offs to loans | 0.0225% | 1,902 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 44.7143% | 1,266 |
| Efficiency ratio | 79.8390% | 1,091 |
| Assets per employee ($millions) | 6.6490% | 2,399 |
| Cash dividends to net income (ytd only)* | 49.9093% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6375% | 4,176 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 57.0000% | 3,174 |
| Net loans and leases to deposits | 61.1209% | 3,525 |
| Net loans and leases to core deposits | 72.3698% | 3,277 |
| Total domestic deposits to total assets | 93.2600% | 81 |
| Equity capital to assets | 5.9606% | 4,346 |
| Core capital (leverage) ratio | 7.9025% | 4,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1975% | 2,495 |
| Memoranda: | ||
| Average total assets | $137,810,750 | 3,469 |
| Average earning assets | $127,306,500 | 3,467 |
| Average equity | $7,912,250 | 3,988 |
| Average total loans | $83,052,250 | 3,396 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5828% | 3,657 |
| Cost of funding earning assets | 1.8630% | 2,469 |
| Net interest margin | 2.7198% | 3,552 |
| Noninterest income to average assets | 0.4600% | 2,045 |
| Noninterest expense to average assets | 2.3809% | 2,577 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.5673% | 3,263 |
| Return on assets (ROA) | 0.4934% | 3,477 |
| Pretax return on assets | 0.5141% | 3,602 |
| Return on Equity (ROE) | 8.7100% | 2,530 |
| Retained earnings to average equity (ytd only) | 3.4802% | 2,894 |
| Net charge-offs to loans | 0.0242% | 1,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 39.9000% | 1,250 |
| Efficiency ratio | 80.1097% | 1,115 |
| Assets per employee ($millions) | 5.4098% | 3,297 |
| Cash dividends to net income (ytd only)* | 60.0601% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6507% | 4,177 |
| Loan loss allowance to noncurrent loans | 3,000.0000% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 3,661 |
| Noncurrent loans to loans | 0.0217% | 3,619 |
| Net loans and leases to total assets | 63.5000% | 2,600 |
| Net loans and leases to deposits | 68.1772% | 3,116 |
| Net loans and leases to core deposits | 82.3842% | 2,651 |
| Total domestic deposits to total assets | 93.1400% | 133 |
| Equity capital to assets | 6.0731% | 4,199 |
| Core capital (leverage) ratio | 7.6069% | 4,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4193% | 2,452 |
| Memoranda: | ||
| Average total assets | $134,988,333 | 3,507 |
| Average earning assets | $124,640,667 | 3,505 |
| Average equity | $7,643,333 | 4,009 |
| Average total loans | $82,763,667 | 3,405 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3024% | 3,958 |
| Cost of funding earning assets | 1.7747% | 2,568 |
| Net interest margin | 2.5277% | 3,829 |
| Noninterest income to average assets | 0.4500% | 2,013 |
| Noninterest expense to average assets | 2.3116% | 2,761 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.4437% | 3,516 |
| Return on assets (ROA) | 0.4856% | 3,458 |
| Pretax return on assets | 0.5059% | 3,567 |
| Return on Equity (ROE) | 8.8800% | 2,420 |
| Retained earnings to average equity (ytd only) | 6.2213% | 2,042 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 83.3333% | 961 |
| Assets per employee ($millions) | 6.2110% | 2,673 |
| Cash dividends to net income (ytd only)* | 29.9401% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6666% | 4,157 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 57.3700% | 3,094 |
| Net loans and leases to deposits | 60.9937% | 3,460 |
| Net loans and leases to core deposits | 71.8678% | 3,228 |
| Total domestic deposits to total assets | 94.0600% | 114 |
| Equity capital to assets | 5.3279% | 4,331 |
| Core capital (leverage) ratio | 7.8167% | 4,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2183% | 2,525 |
| Memoranda: | ||
| Average total assets | $137,565,500 | 3,493 |
| Average earning assets | $126,440,500 | 3,492 |
| Average equity | $7,522,500 | 4,040 |
| Average total loans | $82,652,500 | 3,408 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1464% | 3,727 |
| Cost of funding earning assets | 1.4286% | 2,152 |
| Net interest margin | 2.7178% | 3,797 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.4702% | 2,385 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4812% | 3,705 |
| Return on assets (ROA) | 0.5082% | 3,645 |
| Pretax return on assets | 0.5310% | 3,759 |
| Return on Equity (ROE) | 9.7400% | 2,574 |
| Retained earnings to average equity (ytd only) | 2.4488% | 3,462 |
| Net charge-offs to loans | -0.0188% | 4,142 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 83.0860% | 715 |
| Assets per employee ($millions) | 5.5116% | 3,243 |
| Cash dividends to net income (ytd only)* | 74.8503% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6642% | 4,165 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 62.1800% | 2,658 |
| Net loans and leases to deposits | 69.5824% | 2,915 |
| Net loans and leases to core deposits | 79.7634% | 2,715 |
| Total domestic deposits to total assets | 89.3600% | 962 |
| Equity capital to assets | 5.6199% | 4,316 |
| Core capital (leverage) ratio | 7.6202% | 4,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1353% | 2,540 |
| Memoranda: | ||
| Average total assets | $131,449,200 | 3,540 |
| Average earning assets | $121,165,000 | 3,533 |
| Average equity | $6,860,400 | 4,062 |
| Average total loans | $79,875,400 | 3,408 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0114% | 3,828 |
| Cost of funding earning assets | 1.3192% | 2,098 |
| Net interest margin | 2.6921% | 3,891 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.4128% | 2,486 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5243% | 3,711 |
| Return on assets (ROA) | 0.5496% | 3,650 |
| Pretax return on assets | 0.5740% | 3,781 |
| Return on Equity (ROE) | 10.7400% | 2,437 |
| Retained earnings to average equity (ytd only) | 9.8454% | 1,448 |
| Net charge-offs to loans | -0.0270% | 4,213 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.5031% | 760 |
| Assets per employee ($millions) | 5.8593% | 2,880 |
| Cash dividends to net income (ytd only)* | 8.3179% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6799% | 4,169 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 59.7300% | 2,870 |
| Net loans and leases to deposits | 65.6157% | 3,161 |
| Net loans and leases to core deposits | 74.5292% | 2,959 |
| Total domestic deposits to total assets | 91.0300% | 660 |
| Equity capital to assets | 5.0711% | 4,236 |
| Core capital (leverage) ratio | 7.9932% | 4,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7109% | 2,383 |
| Memoranda: | ||
| Average total assets | $131,241,750 | 3,547 |
| Average earning assets | $121,685,000 | 3,539 |
| Average equity | $6,717,000 | 4,076 |
| Average total loans | $79,143,750 | 3,430 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9617% | 3,763 |
| Cost of funding earning assets | 1.1902% | 2,024 |
| Net interest margin | 2.7715% | 3,870 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.4756% | 2,273 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5368% | 3,732 |
| Return on assets (ROA) | 0.5782% | 3,639 |
| Pretax return on assets | 0.6043% | 3,794 |
| Return on Equity (ROE) | 11.2600% | 2,360 |
| Retained earnings to average equity (ytd only) | 9.9131% | 1,423 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.5190% | 741 |
| Assets per employee ($millions) | 5.6693% | 3,006 |
| Cash dividends to net income (ytd only)* | 11.9681% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6734% | 4,223 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 60.5200% | 2,725 |
| Net loans and leases to deposits | 66.7213% | 3,020 |
| Net loans and leases to core deposits | 76.1630% | 2,752 |
| Total domestic deposits to total assets | 90.7100% | 726 |
| Equity capital to assets | 5.2449% | 4,337 |
| Core capital (leverage) ratio | 7.8785% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8068% | 2,369 |
| Memoranda: | ||
| Average total assets | $130,067,667 | 3,570 |
| Average earning assets | $120,655,333 | 3,558 |
| Average equity | $6,678,000 | 4,109 |
| Average total loans | $78,509,333 | 3,437 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8379% | 3,784 |
| Cost of funding earning assets | 0.9934% | 2,069 |
| Net interest margin | 2.8445% | 3,877 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.4479% | 2,374 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5908% | 3,707 |
| Return on assets (ROA) | 0.6559% | 3,524 |
| Pretax return on assets | 0.6836% | 3,696 |
| Return on Equity (ROE) | 12.9100% | 2,003 |
| Retained earnings to average equity (ytd only) | 12.9140% | 1,110 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.8995% | 841 |
| Assets per employee ($millions) | 5.6828% | 3,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6758% | 4,275 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 60.1600% | 2,633 |
| Net loans and leases to deposits | 63.9153% | 3,092 |
| Net loans and leases to core deposits | 70.1334% | 2,945 |
| Total domestic deposits to total assets | 94.1200% | 158 |
| Equity capital to assets | 5.3304% | 4,365 |
| Core capital (leverage) ratio | 7.8094% | 4,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5756% | 2,543 |
| Memoranda: | ||
| Average total assets | $129,905,000 | 3,616 |
| Average earning assets | $120,796,500 | 3,597 |
| Average equity | $6,597,500 | 4,175 |
| Average total loans | $78,039,500 | 3,481 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4342% | 3,255 |
| Cost of funding earning assets | 0.1988% | 3,769 |
| Net interest margin | 3.2355% | 2,749 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.6533% | 1,670 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8037% | 3,312 |
| Return on assets (ROA) | 0.8413% | 3,115 |
| Pretax return on assets | 0.8816% | 3,415 |
| Return on Equity (ROE) | 15.2600% | 1,192 |
| Retained earnings to average equity (ytd only) | 4.5979% | 3,207 |
| Net charge-offs to loans | 0.0029% | 2,390 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 543.0000% | 317 |
| Efficiency ratio | 75.9095% | 1,020 |
| Assets per employee ($millions) | 5.6133% | 3,112 |
| Cash dividends to net income (ytd only)* | 69.8618% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6956% | 4,212 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 59.1600% | 2,712 |
| Net loans and leases to deposits | 62.7901% | 3,127 |
| Net loans and leases to core deposits | 68.7096% | 2,961 |
| Total domestic deposits to total assets | 94.2200% | 218 |
| Equity capital to assets | 4.8239% | 4,406 |
| Core capital (leverage) ratio | 7.6243% | 4,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7526% | 2,470 |
| Memoranda: | ||
| Average total assets | $128,970,000 | 3,645 |
| Average earning assets | $119,241,400 | 3,634 |
| Average equity | $7,112,000 | 4,196 |
| Average total loans | $69,872,800 | 3,581 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2807% | 3,235 |
| Cost of funding earning assets | 0.1299% | 4,036 |
| Net interest margin | 3.1508% | 2,774 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.5138% | 1,978 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8775% | 2,974 |
| Return on assets (ROA) | 0.9276% | 2,734 |
| Pretax return on assets | 0.9720% | 3,104 |
| Return on Equity (ROE) | 16.3100% | 919 |
| Retained earnings to average equity (ytd only) | 7.0729% | 2,338 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.2229% | 1,358 |
| Assets per employee ($millions) | 5.7340% | 3,004 |
| Cash dividends to net income (ytd only)* | 56.6332% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7273% | 4,213 |
| Loan loss allowance to noncurrent loans | 2,334.7826% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 3,781 |
| Noncurrent loans to loans | 0.0312% | 3,674 |
| Net loans and leases to total assets | 55.5800% | 2,946 |
| Net loans and leases to deposits | 58.3002% | 3,317 |
| Net loans and leases to core deposits | 63.5855% | 3,149 |
| Total domestic deposits to total assets | 95.3300% | 187 |
| Equity capital to assets | 4.4328% | 4,411 |
| Core capital (leverage) ratio | 7.7956% | 4,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9744% | 2,485 |
| Memoranda: | ||
| Average total assets | $128,936,000 | 3,667 |
| Average earning assets | $119,035,000 | 3,660 |
| Average equity | $7,333,000 | 4,215 |
| Average total loans | $68,112,000 | 3,620 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1804% | 3,108 |
| Cost of funding earning assets | 0.1121% | 4,057 |
| Net interest margin | 3.0682% | 2,656 |
| Noninterest income to average assets | 0.5549% | 1,922 |
| Noninterest expense to average assets | 2.5165% | 1,875 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8222% | 2,879 |
| Return on assets (ROA) | 0.9128% | 2,498 |
| Pretax return on assets | 0.9566% | 2,878 |
| Return on Equity (ROE) | 14.9195% | 912 |
| Retained earnings to average equity (ytd only) | 1.9416% | 3,767 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5025% | 1,455 |
| Assets per employee ($millions) | 5.5223% | 3,206 |
| Cash dividends to net income (ytd only)* | 86.9863% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7969% | 4,179 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 52.6328% | 3,098 |
| Net loans and leases to deposits | 55.5893% | 3,413 |
| Net loans and leases to core deposits | 60.8795% | 3,203 |
| Total domestic deposits to total assets | 94.6816% | 182 |
| Equity capital to assets | 5.0539% | 4,464 |
| Core capital (leverage) ratio | 7.5354% | 4,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2779% | 2,382 |
| Memoranda: | ||
| Average total assets | $127,954,000 | 3,715 |
| Average earning assets | $117,722,667 | 3,729 |
| Average equity | $7,828,667 | 4,223 |
| Average total loans | $66,205,333 | 3,692 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0660% | 3,064 |
| Cost of funding earning assets | 0.1220% | 3,876 |
| Net interest margin | 2.9440% | 2,696 |
| Noninterest income to average assets | 0.5700% | 1,825 |
| Noninterest expense to average assets | 2.3765% | 2,244 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8593% | 2,453 |
| Return on assets (ROA) | 0.9718% | 1,990 |
| Pretax return on assets | 1.0185% | 2,381 |
| Return on Equity (ROE) | 14.6247% | 715 |
| Retained earnings to average equity (ytd only) | 8.5311% | 1,415 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5285% | 1,911 |
| Assets per employee ($millions) | 5.3412% | 3,457 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8124% | 4,221 |
| Loan loss allowance to noncurrent loans | 8,950.0000% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 4,041 |
| Noncurrent loans to loans | 0.0091% | 3,958 |
| Net loans and leases to total assets | 51.1471% | 3,052 |
| Net loans and leases to deposits | 54.5493% | 3,373 |
| Net loans and leases to core deposits | 59.7436% | 3,172 |
| Total domestic deposits to total assets | 93.7631% | 134 |
| Equity capital to assets | 6.0044% | 4,584 |
| Core capital (leverage) ratio | 7.7538% | 4,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8239% | 2,297 |
| Memoranda: | ||
| Average total assets | $128,425,000 | 3,732 |
| Average earning assets | $118,069,500 | 3,742 |
| Average equity | $8,533,500 | 4,206 |
| Average total loans | $65,614,500 | 3,707 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4665% | 2,759 |
| Cost of funding earning assets | 0.1896% | 3,560 |
| Net interest margin | 3.2768% | 2,377 |
| Noninterest income to average assets | 0.6856% | 1,812 |
| Noninterest expense to average assets | 2.7207% | 1,574 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9106% | 2,996 |
| Return on assets (ROA) | 0.9512% | 2,939 |
| Pretax return on assets | 0.9970% | 3,264 |
| Return on Equity (ROE) | 12.7089% | 1,565 |
| Retained earnings to average equity (ytd only) | 10.6660% | 769 |
| Net charge-offs to loans | 0.0208% | 1,855 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 91.2308% | 919 |
| Efficiency ratio | 74.0311% | 1,298 |
| Assets per employee ($millions) | 5.1464% | 3,601 |
| Cash dividends to net income (ytd only)* | 16.0745% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 4,224 |
| Loan loss allowance to noncurrent loans | 1,732.2581% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 3,884 |
| Noncurrent loans to loans | 0.0476% | 3,743 |
| Net loans and leases to total assets | 50.2017% | 3,251 |
| Net loans and leases to deposits | 56.6758% | 3,364 |
| Net loans and leases to core deposits | 60.8536% | 3,253 |
| Total domestic deposits to total assets | 88.5770% | 1,750 |
| Equity capital to assets | 7.2827% | 4,658 |
| Core capital (leverage) ratio | 7.1603% | 4,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8027% | 2,319 |
| Memoranda: | ||
| Average total assets | $124,268,600 | 3,754 |
| Average earning assets | $113,372,200 | 3,772 |
| Average equity | $9,300,600 | 4,212 |
| Average total loans | $62,501,600 | 3,778 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4852% | 2,877 |
| Cost of funding earning assets | 0.2014% | 3,590 |
| Net interest margin | 3.2838% | 2,465 |
| Noninterest income to average assets | 0.7415% | 1,692 |
| Noninterest expense to average assets | 2.5373% | 2,015 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1316% | 2,431 |
| Return on assets (ROA) | 1.1399% | 2,466 |
| Pretax return on assets | 1.1951% | 2,950 |
| Return on Equity (ROE) | 15.1236% | 1,116 |
| Retained earnings to average equity (ytd only) | 14.4055% | 469 |
| Net charge-offs to loans | 0.0259% | 1,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 91.3333% | 918 |
| Efficiency ratio | 68.1395% | 1,805 |
| Assets per employee ($millions) | 5.7799% | 2,912 |
| Cash dividends to net income (ytd only)* | 4.7483% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8657% | 4,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 46.3442% | 3,764 |
| Net loans and leases to deposits | 52.2487% | 3,864 |
| Net loans and leases to core deposits | 55.9619% | 3,771 |
| Total domestic deposits to total assets | 88.6992% | 1,461 |
| Equity capital to assets | 7.2801% | 4,759 |
| Core capital (leverage) ratio | 7.6227% | 4,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9334% | 2,388 |
| Memoranda: | ||
| Average total assets | $123,170,500 | 3,809 |
| Average earning assets | $111,859,750 | 3,832 |
| Average equity | $9,283,250 | 4,274 |
| Average total loans | $61,845,250 | 3,839 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4066% | 3,166 |
| Cost of funding earning assets | 0.2187% | 3,568 |
| Net interest margin | 3.1879% | 2,788 |
| Noninterest income to average assets | 0.7255% | 1,731 |
| Noninterest expense to average assets | 2.5368% | 2,031 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0545% | 2,700 |
| Return on assets (ROA) | 1.0624% | 2,746 |
| Pretax return on assets | 1.1141% | 3,168 |
| Return on Equity (ROE) | 13.9210% | 1,434 |
| Retained earnings to average equity (ytd only) | 12.8283% | 757 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6429% | 1,690 |
| Assets per employee ($millions) | 5.1542% | 3,506 |
| Cash dividends to net income (ytd only)* | 7.8493% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 4,151 |
| Loan loss allowance to noncurrent loans | 4,583.3333% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 2,744 |
| Noncurrent loans to loans | 0.0196% | 4,123 |
| Net loans and leases to total assets | 51.1228% | 3,437 |
| Net loans and leases to deposits | 58.3589% | 3,514 |
| Net loans and leases to core deposits | 63.1140% | 3,370 |
| Total domestic deposits to total assets | 87.6006% | 2,039 |
| Equity capital to assets | 7.8661% | 4,592 |
| Core capital (leverage) ratio | 7.5573% | 4,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3030% | 2,249 |
| Memoranda: | ||
| Average total assets | $119,914,667 | 3,856 |
| Average earning assets | $109,727,333 | 3,878 |
| Average equity | $9,151,667 | 4,309 |
| Average total loans | $61,744,667 | 3,867 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5601% | 2,763 |
| Cost of funding earning assets | 0.2354% | 3,604 |
| Net interest margin | 3.3247% | 2,313 |
| Noninterest income to average assets | 0.7231% | 1,794 |
| Noninterest expense to average assets | 2.3781% | 2,568 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3251% | 1,744 |
| Return on assets (ROA) | 1.2935% | 1,921 |
| Pretax return on assets | 1.3566% | 2,407 |
| Return on Equity (ROE) | 17.2090% | 817 |
| Retained earnings to average equity (ytd only) | 17.2090% | 406 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1162% | 2,590 |
| Assets per employee ($millions) | 5.3884% | 3,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8846% | 4,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 3,056 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 49.7244% | 3,653 |
| Net loans and leases to deposits | 56.3042% | 3,769 |
| Net loans and leases to core deposits | 60.6390% | 3,661 |
| Total domestic deposits to total assets | 88.3138% | 1,696 |
| Equity capital to assets | 7.3152% | 4,770 |
| Core capital (leverage) ratio | 7.5751% | 4,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4960% | 1,741 |
| Memoranda: | ||
| Average total assets | $120,599,000 | 3,849 |
| Average earning assets | $110,446,000 | 3,869 |
| Average equity | $9,065,000 | 4,325 |
| Average total loans | $62,040,000 | 3,880 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9198% | 2,977 |
| Cost of funding earning assets | 0.4512% | 3,271 |
| Net interest margin | 3.4685% | 2,564 |
| Noninterest income to average assets | 0.6354% | 2,083 |
| Noninterest expense to average assets | 2.8543% | 1,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8888% | 2,742 |
| Return on assets (ROA) | 0.8701% | 2,961 |
| Pretax return on assets | 0.9063% | 3,350 |
| Return on Equity (ROE) | 10.7544% | 1,721 |
| Retained earnings to average equity (ytd only) | 5.7670% | 1,917 |
| Net charge-offs to loans | 0.0016% | 3,354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 998.0000% | 117 |
| Efficiency ratio | 75.5092% | 1,291 |
| Assets per employee ($millions) | 5.3302% | 3,018 |
| Cash dividends to net income (ytd only)* | 46.3753% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 4,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 3,135 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 52.3217% | 3,637 |
| Net loans and leases to deposits | 59.7949% | 3,779 |
| Net loans and leases to core deposits | 64.7287% | 3,646 |
| Total domestic deposits to total assets | 87.5018% | 1,706 |
| Equity capital to assets | 7.7295% | 4,795 |
| Core capital (leverage) ratio | 7.3954% | 4,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4967% | 2,055 |
| Memoranda: | ||
| Average total assets | $107,803,200 | 3,901 |
| Average earning assets | $97,735,400 | 3,915 |
| Average equity | $8,722,000 | 4,349 |
| Average total loans | $61,298,200 | 3,895 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0806% | 2,726 |
| Cost of funding earning assets | 0.4952% | 3,256 |
| Net interest margin | 3.5854% | 2,323 |
| Noninterest income to average assets | 0.5956% | 2,195 |
| Noninterest expense to average assets | 2.8098% | 1,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9767% | 2,426 |
| Return on assets (ROA) | 0.9610% | 2,619 |
| Pretax return on assets | 1.0104% | 3,032 |
| Return on Equity (ROE) | 11.7329% | 1,444 |
| Retained earnings to average equity (ytd only) | 6.9471% | 1,721 |
| Net charge-offs to loans | 0.0022% | 3,112 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 812.0000% | 149 |
| Efficiency ratio | 73.2367% | 1,487 |
| Assets per employee ($millions) | 5.1033% | 3,108 |
| Cash dividends to net income (ytd only)* | 40.7895% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 4,095 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 3,236 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 54.3635% | 3,772 |
| Net loans and leases to deposits | 62.3111% | 3,916 |
| Net loans and leases to core deposits | 65.4636% | 3,925 |
| Total domestic deposits to total assets | 87.2453% | 1,560 |
| Equity capital to assets | 7.9307% | 4,738 |
| Core capital (leverage) ratio | 7.5942% | 4,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0033% | 1,829 |
| Memoranda: | ||
| Average total assets | $105,437,750 | 3,922 |
| Average earning assets | $95,311,000 | 3,946 |
| Average equity | $8,636,500 | 4,373 |
| Average total loans | $61,146,500 | 3,913 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9447% | 3,483 |
| Cost of funding earning assets | 0.5406% | 3,290 |
| Net interest margin | 3.4042% | 3,084 |
| Noninterest income to average assets | 0.5933% | 2,152 |
| Noninterest expense to average assets | 2.7666% | 2,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8595% | 2,841 |
| Return on assets (ROA) | 0.8356% | 3,036 |
| Pretax return on assets | 0.8783% | 3,379 |
| Return on Equity (ROE) | 10.0850% | 1,953 |
| Retained earnings to average equity (ytd only) | 6.2242% | 1,974 |
| Net charge-offs to loans | 0.0262% | 2,194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 58.2500% | 987 |
| Efficiency ratio | 75.3830% | 1,320 |
| Assets per employee ($millions) | 4.7424% | 3,482 |
| Cash dividends to net income (ytd only)* | 38.2831% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8432% | 4,211 |
| Loan loss allowance to noncurrent loans | 484.8214% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 2,891 |
| Noncurrent loans to loans | 0.1739% | 3,753 |
| Net loans and leases to total assets | 58.5436% | 3,464 |
| Net loans and leases to deposits | 67.2866% | 3,619 |
| Net loans and leases to core deposits | 71.6560% | 3,610 |
| Total domestic deposits to total assets | 87.0063% | 1,614 |
| Equity capital to assets | 8.0293% | 4,702 |
| Core capital (leverage) ratio | 7.7685% | 4,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2642% | 1,708 |
| Memoranda: | ||
| Average total assets | $103,159,667 | 3,954 |
| Average earning assets | $93,238,333 | 3,979 |
| Average equity | $8,547,333 | 4,401 |
| Average total loans | $61,000,333 | 3,921 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0916% | 3,543 |
| Cost of funding earning assets | 0.5851% | 3,511 |
| Net interest margin | 3.5065% | 2,956 |
| Noninterest income to average assets | 0.6786% | 1,738 |
| Noninterest expense to average assets | 2.8862% | 2,166 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9261% | 2,431 |
| Return on assets (ROA) | 0.9261% | 2,540 |
| Pretax return on assets | 0.9740% | 2,920 |
| Return on Equity (ROE) | 10.9927% | 1,411 |
| Retained earnings to average equity (ytd only) | 4.3592% | 2,549 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7673% | 1,715 |
| Assets per employee ($millions) | 4.6746% | 3,026 |
| Cash dividends to net income (ytd only)* | 60.3448% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9190% | 4,038 |
| Loan loss allowance to noncurrent loans | 491.9643% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.3162% | 3,172 |
| Noncurrent loans to loans | 0.1868% | 3,802 |
| Net loans and leases to total assets | 55.2509% | 3,893 |
| Net loans and leases to deposits | 63.5360% | 4,007 |
| Net loans and leases to core deposits | 69.1432% | 3,927 |
| Total domestic deposits to total assets | 86.9600% | 1,575 |
| Equity capital to assets | 7.9701% | 4,976 |
| Core capital (leverage) ratio | 8.6588% | 4,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4343% | 2,102 |
| Memoranda: | ||
| Average total assets | $100,201,500 | 3,991 |
| Average earning assets | $90,917,000 | 4,010 |
| Average equity | $8,442,000 | 4,434 |
| Average total loans | $59,300,500 | 3,968 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5386% | 2,811 |
| Cost of funding earning assets | 0.7003% | 3,156 |
| Net interest margin | 3.8383% | 2,374 |
| Noninterest income to average assets | 0.7904% | 1,476 |
| Noninterest expense to average assets | 3.4113% | 1,092 |
| Loan and lease loss provision to assets | 0.0219% | 3,592 |
| Net operating income to assets | 0.7858% | 3,599 |
| Return on assets (ROA) | 1.0521% | 2,741 |
| Pretax return on assets | 1.1057% | 3,146 |
| Return on Equity (ROE) | 12.0635% | 1,487 |
| Retained earnings to average equity (ytd only) | 5.4731% | 2,180 |
| Net charge-offs to loans | 0.0299% | 2,803 |
| Credit loss provision to net charge-offs | 117.6471% | 2,147 |
| Earnings coverage of net charge-offs (x) | 45.5294% | 1,202 |
| Efficiency ratio | 80.1028% | 935 |
| Assets per employee ($millions) | 3.7155% | 4,256 |
| Cash dividends to net income (ytd only)* | 54.6306% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 3,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 3,462 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 62.5441% | 3,352 |
| Net loans and leases to deposits | 69.0034% | 3,743 |
| Net loans and leases to core deposits | 76.8577% | 3,524 |
| Total domestic deposits to total assets | 90.6393% | 170 |
| Equity capital to assets | 8.9516% | 4,710 |
| Core capital (leverage) ratio | 8.6871% | 4,726 |
| Tier 1 risk-based capital ratio | 13.9587% | 3,291 |
| Total risk-based capital ratio | 14.9113% | 3,338 |
| Memoranda: | ||
| Average total assets | $91,344,800 | 4,124 |
| Average earning assets | $82,536,400 | 4,146 |
| Average equity | $7,966,200 | 4,513 |
| Average total loans | $56,858,200 | 4,032 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5437% | 2,916 |
| Cost of funding earning assets | 0.6974% | 3,236 |
| Net interest margin | 3.8463% | 2,453 |
| Noninterest income to average assets | 0.7945% | 1,431 |
| Noninterest expense to average assets | 3.2996% | 1,267 |
| Loan and lease loss provision to assets | 0.0293% | 3,316 |
| Net operating income to assets | 0.9032% | 3,332 |
| Return on assets (ROA) | 0.9352% | 3,288 |
| Pretax return on assets | 0.9836% | 3,641 |
| Return on Equity (ROE) | 10.7964% | 2,096 |
| Retained earnings to average equity (ytd only) | 4.4506% | 3,167 |
| Net charge-offs to loans | 0.0402% | 2,291 |
| Credit loss provision to net charge-offs | 117.6471% | 1,986 |
| Earnings coverage of net charge-offs (x) | 39.2872% | 1,388 |
| Efficiency ratio | 77.1155% | 1,205 |
| Assets per employee ($millions) | 3.8839% | 4,051 |
| Cash dividends to net income (ytd only)* | 58.7774% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 3,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 3,547 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 62.1225% | 3,484 |
| Net loans and leases to deposits | 68.6909% | 3,864 |
| Net loans and leases to core deposits | 76.8615% | 3,637 |
| Total domestic deposits to total assets | 90.4377% | 186 |
| Equity capital to assets | 9.1246% | 4,712 |
| Core capital (leverage) ratio | 8.5384% | 4,929 |
| Tier 1 risk-based capital ratio | 14.4868% | 3,080 |
| Total risk-based capital ratio | 15.4980% | 3,103 |
| Memoranda: | ||
| Average total assets | $90,959,000 | 4,180 |
| Average earning assets | $82,397,250 | 4,200 |
| Average equity | $7,879,000 | 4,574 |
| Average total loans | $56,411,000 | 4,090 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 3,222 |
| Cost of funding earning assets | 0.6896% | 3,223 |
| Net interest margin | 3.7482% | 2,761 |
| Noninterest income to average assets | 0.7585% | 1,485 |
| Noninterest expense to average assets | 3.2152% | 1,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9071% | 3,254 |
| Return on assets (ROA) | 0.9071% | 3,321 |
| Pretax return on assets | 0.9530% | 3,701 |
| Return on Equity (ROE) | 10.6570% | 2,115 |
| Retained earnings to average equity (ytd only) | 2.9531% | 3,737 |
| Net charge-offs to loans | 0.0035% | 3,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 436.0000% | 174 |
| Efficiency ratio | 77.1369% | 1,255 |
| Assets per employee ($millions) | 4.0207% | 3,839 |
| Cash dividends to net income (ytd only)* | 72.2892% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 3,793 |
| Loan loss allowance to noncurrent loans | 237.8261% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.4953% | 2,566 |
| Noncurrent loans to loans | 0.4069% | 3,077 |
| Net loans and leases to total assets | 60.5357% | 3,693 |
| Net loans and leases to deposits | 66.5601% | 4,058 |
| Net loans and leases to core deposits | 75.1423% | 3,807 |
| Total domestic deposits to total assets | 90.9490% | 112 |
| Equity capital to assets | 8.6487% | 4,980 |
| Core capital (leverage) ratio | 8.5168% | 4,960 |
| Tier 1 risk-based capital ratio | 13.7008% | 3,485 |
| Total risk-based capital ratio | 14.6700% | 3,521 |
| Memoranda: | ||
| Average total assets | $91,502,000 | 4,196 |
| Average earning assets | $83,241,000 | 4,213 |
| Average equity | $7,788,330 | 4,610 |
| Average total loans | $56,533,000 | 4,114 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 3,215 |
| Cost of funding earning assets | 0.6792% | 3,154 |
| Net interest margin | 3.7238% | 2,803 |
| Noninterest income to average assets | 0.7164% | 1,554 |
| Noninterest expense to average assets | 3.2742% | 1,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7999% | 3,622 |
| Return on assets (ROA) | 0.7999% | 3,666 |
| Pretax return on assets | 0.8394% | 3,945 |
| Return on Equity (ROE) | 9.4748% | 2,599 |
| Retained earnings to average equity (ytd only) | 3.2277% | 3,638 |
| Net charge-offs to loans | 0.0071% | 2,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 191.0000% | 407 |
| Efficiency ratio | 79.5940% | 1,096 |
| Assets per employee ($millions) | 3.8309% | 4,148 |
| Cash dividends to net income (ytd only)* | 65.9341% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 3,806 |
| Loan loss allowance to noncurrent loans | 187.3288% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5656% | 2,375 |
| Noncurrent loans to loans | 0.5251% | 2,744 |
| Net loans and leases to total assets | 59.8856% | 3,720 |
| Net loans and leases to deposits | 65.7307% | 4,075 |
| Net loans and leases to core deposits | 74.2239% | 3,784 |
| Total domestic deposits to total assets | 91.1074% | 153 |
| Equity capital to assets | 8.4684% | 5,004 |
| Core capital (leverage) ratio | 8.2643% | 5,116 |
| Tier 1 risk-based capital ratio | 13.9632% | 3,355 |
| Total risk-based capital ratio | 14.9559% | 3,408 |
| Memoranda: | ||
| Average total assets | $91,015,000 | 4,244 |
| Average earning assets | $83,034,500 | 4,261 |
| Average equity | $7,683,500 | 4,661 |
| Average total loans | $56,535,500 | 4,156 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2520% | 3,267 |
| Cost of funding earning assets | 0.4982% | 3,375 |
| Net interest margin | 3.7538% | 2,842 |
| Noninterest income to average assets | 0.7379% | 1,699 |
| Noninterest expense to average assets | 3.3096% | 1,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7219% | 4,065 |
| Return on assets (ROA) | 0.7186% | 4,092 |
| Pretax return on assets | 0.7469% | 4,297 |
| Return on Equity (ROE) | 8.5741% | 3,190 |
| Retained earnings to average equity (ytd only) | 4.6522% | 2,959 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5187% | 843 |
| Assets per employee ($millions) | 3.9169% | 4,016 |
| Cash dividends to net income (ytd only)* | 45.7413% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 3,940 |
| Loan loss allowance to noncurrent loans | 135.3086% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.7038% | 1,970 |
| Noncurrent loans to loans | 0.7048% | 2,227 |
| Net loans and leases to total assets | 63.1782% | 3,445 |
| Net loans and leases to deposits | 69.2434% | 3,883 |
| Net loans and leases to core deposits | 77.3126% | 3,621 |
| Total domestic deposits to total assets | 91.2408% | 158 |
| Equity capital to assets | 8.4151% | 4,978 |
| Core capital (leverage) ratio | 8.3428% | 5,093 |
| Tier 1 risk-based capital ratio | 12.8268% | 3,953 |
| Total risk-based capital ratio | 13.7603% | 4,002 |
| Memoranda: | ||
| Average total assets | $88,227,200 | 4,299 |
| Average earning assets | $78,080,400 | 4,347 |
| Average equity | $7,394,400 | 4,690 |
| Average total loans | $56,282,800 | 4,180 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1794% | 3,386 |
| Cost of funding earning assets | 0.4594% | 3,459 |
| Net interest margin | 3.7201% | 2,942 |
| Noninterest income to average assets | 0.7627% | 1,619 |
| Noninterest expense to average assets | 3.1721% | 1,591 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8187% | 3,844 |
| Return on assets (ROA) | 0.8158% | 3,865 |
| Pretax return on assets | 0.8477% | 4,173 |
| Return on Equity (ROE) | 9.7442% | 2,733 |
| Retained earnings to average equity (ytd only) | 4.4821% | 3,504 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8520% | 1,039 |
| Assets per employee ($millions) | 3.8841% | 4,064 |
| Cash dividends to net income (ytd only)* | 54.0043% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 3,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 3,745 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 62.5574% | 3,593 |
| Net loans and leases to deposits | 68.4832% | 4,026 |
| Net loans and leases to core deposits | 76.5192% | 3,766 |
| Total domestic deposits to total assets | 91.3471% | 156 |
| Equity capital to assets | 8.3126% | 5,029 |
| Core capital (leverage) ratio | 8.8400% | 4,855 |
| Tier 1 risk-based capital ratio | 12.9675% | 3,930 |
| Total risk-based capital ratio | 13.9105% | 4,004 |
| Memoranda: | ||
| Average total assets | $87,762,000 | 4,355 |
| Average earning assets | $76,914,500 | 4,413 |
| Average equity | $7,347,750 | 4,742 |
| Average total loans | $55,987,500 | 4,229 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0966% | 3,459 |
| Cost of funding earning assets | 0.4078% | 3,666 |
| Net interest margin | 3.6888% | 2,976 |
| Noninterest income to average assets | 0.7818% | 1,532 |
| Noninterest expense to average assets | 3.2165% | 1,496 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7611% | 3,990 |
| Return on assets (ROA) | 0.7611% | 3,995 |
| Pretax return on assets | 0.8001% | 4,242 |
| Return on Equity (ROE) | 9.0690% | 2,984 |
| Retained earnings to average equity (ytd only) | 4.2886% | 3,460 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0799% | 1,012 |
| Assets per employee ($millions) | 3.6845% | 4,369 |
| Cash dividends to net income (ytd only)* | 52.7108% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 3,860 |
| Loan loss allowance to noncurrent loans | 10,960.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.2608% | 3,717 |
| Noncurrent loans to loans | 0.0091% | 4,914 |
| Net loans and leases to total assets | 64.2169% | 3,373 |
| Net loans and leases to deposits | 70.5809% | 3,813 |
| Net loans and leases to core deposits | 77.0789% | 3,657 |
| Total domestic deposits to total assets | 90.9834% | 253 |
| Equity capital to assets | 8.6956% | 4,807 |
| Core capital (leverage) ratio | 8.8258% | 4,864 |
| Tier 1 risk-based capital ratio | 13.6465% | 3,533 |
| Total risk-based capital ratio | 14.6510% | 3,590 |
| Memoranda: | ||
| Average total assets | $87,238,000 | 4,392 |
| Average earning assets | $76,502,670 | 4,460 |
| Average equity | $7,321,670 | 4,797 |
| Average total loans | $55,839,000 | 4,261 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0549% | 3,395 |
| Cost of funding earning assets | 0.3733% | 3,795 |
| Net interest margin | 3.6816% | 2,874 |
| Noninterest income to average assets | 0.7007% | 1,828 |
| Noninterest expense to average assets | 3.2277% | 1,509 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6510% | 4,274 |
| Return on assets (ROA) | 0.6510% | 4,281 |
| Pretax return on assets | 0.6826% | 4,493 |
| Return on Equity (ROE) | 7.8926% | 3,423 |
| Retained earnings to average equity (ytd only) | 3.2338% | 3,915 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5434% | 901 |
| Assets per employee ($millions) | 3.8344% | 4,240 |
| Cash dividends to net income (ytd only)* | 59.0278% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 4,033 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 3,888 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 62.3140% | 3,513 |
| Net loans and leases to deposits | 68.1228% | 3,936 |
| Net loans and leases to core deposits | 73.9431% | 3,828 |
| Total domestic deposits to total assets | 91.4731% | 192 |
| Equity capital to assets | 8.2547% | 5,139 |
| Core capital (leverage) ratio | 8.7497% | 4,952 |
| Tier 1 risk-based capital ratio | 12.9474% | 3,978 |
| Total risk-based capital ratio | 13.9131% | 4,040 |
| Memoranda: | ||
| Average total assets | $88,485,000 | 4,422 |
| Average earning assets | $77,140,500 | 4,509 |
| Average equity | $7,298,000 | 4,850 |
| Average total loans | $56,274,500 | 4,299 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0799% | 3,131 |
| Cost of funding earning assets | 0.2510% | 4,551 |
| Net interest margin | 3.8289% | 2,323 |
| Noninterest income to average assets | 1.1035% | 840 |
| Noninterest expense to average assets | 3.6303% | 865 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7797% | 3,251 |
| Return on assets (ROA) | 0.8133% | 3,145 |
| Pretax return on assets | 0.8545% | 4,074 |
| Return on Equity (ROE) | 9.8484% | 1,953 |
| Retained earnings to average equity (ytd only) | 4.4539% | 2,477 |
| Net charge-offs to loans | -0.0504% | 5,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5918% | 957 |
| Assets per employee ($millions) | 3.8599% | 4,186 |
| Cash dividends to net income (ytd only)* | 54.7753% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9606% | 4,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 3,921 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 63.6385% | 3,404 |
| Net loans and leases to deposits | 72.2209% | 3,681 |
| Net loans and leases to core deposits | 75.9593% | 3,750 |
| Total domestic deposits to total assets | 88.1164% | 1,430 |
| Equity capital to assets | 8.2408% | 5,282 |
| Core capital (leverage) ratio | 8.5649% | 5,078 |
| Tier 1 risk-based capital ratio | 12.6616% | 4,109 |
| Total risk-based capital ratio | 13.6136% | 4,199 |
| Memoranda: | ||
| Average total assets | $87,540,000 | 4,465 |
| Average earning assets | $76,496,600 | 4,531 |
| Average equity | $7,229,600 | 4,905 |
| Average total loans | $55,538,400 | 4,311 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0538% | 3,163 |
| Cost of funding earning assets | 0.2474% | 4,589 |
| Net interest margin | 3.8064% | 2,375 |
| Noninterest income to average assets | 1.0241% | 974 |
| Noninterest expense to average assets | 3.4941% | 1,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8277% | 3,400 |
| Return on assets (ROA) | 0.8728% | 3,211 |
| Pretax return on assets | 0.9171% | 3,980 |
| Return on Equity (ROE) | 10.5620% | 1,875 |
| Retained earnings to average equity (ytd only) | 5.7528% | 2,400 |
| Net charge-offs to loans | -0.0677% | 5,262 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0701% | 1,097 |
| Assets per employee ($millions) | 3.8697% | 4,208 |
| Cash dividends to net income (ytd only)* | 45.5347% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 4,273 |
| Loan loss allowance to noncurrent loans | 1,033.9623% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 3,862 |
| Noncurrent loans to loans | 0.0930% | 4,695 |
| Net loans and leases to total assets | 63.4260% | 3,498 |
| Net loans and leases to deposits | 69.3723% | 4,014 |
| Net loans and leases to core deposits | 73.0530% | 4,053 |
| Total domestic deposits to total assets | 91.4284% | 111 |
| Equity capital to assets | 8.3132% | 5,385 |
| Core capital (leverage) ratio | 8.6026% | 5,160 |
| Tier 1 risk-based capital ratio | 12.4869% | 4,324 |
| Total risk-based capital ratio | 13.4274% | 4,405 |
| Memoranda: | ||
| Average total assets | $87,230,500 | 4,512 |
| Average earning assets | $76,536,250 | 4,574 |
| Average equity | $7,208,000 | 4,961 |
| Average total loans | $55,161,750 | 4,359 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9890% | 3,244 |
| Cost of funding earning assets | 0.2403% | 4,637 |
| Net interest margin | 3.7487% | 2,475 |
| Noninterest income to average assets | 0.8356% | 1,451 |
| Noninterest expense to average assets | 3.4765% | 1,046 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6394% | 4,129 |
| Return on assets (ROA) | 0.6394% | 4,176 |
| Pretax return on assets | 0.6717% | 4,623 |
| Return on Equity (ROE) | 7.7544% | 3,165 |
| Retained earnings to average equity (ytd only) | 2.4355% | 4,223 |
| Net charge-offs to loans | -0.1027% | 5,418 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8063% | 860 |
| Assets per employee ($millions) | 3.4150% | 4,841 |
| Cash dividends to net income (ytd only)* | 68.5921% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 4,301 |
| Loan loss allowance to noncurrent loans | 214.0625% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.5529% | 2,919 |
| Noncurrent loans to loans | 0.4549% | 3,382 |
| Net loans and leases to total assets | 65.2744% | 3,220 |
| Net loans and leases to deposits | 71.5562% | 3,780 |
| Net loans and leases to core deposits | 75.5327% | 3,815 |
| Total domestic deposits to total assets | 91.2211% | 170 |
| Equity capital to assets | 8.4861% | 5,312 |
| Core capital (leverage) ratio | 8.3511% | 5,318 |
| Tier 1 risk-based capital ratio | 12.1276% | 4,552 |
| Total risk-based capital ratio | 13.0697% | 4,634 |
| Memoranda: | ||
| Average total assets | $86,639,670 | 4,548 |
| Average earning assets | $76,560,670 | 4,601 |
| Average equity | $7,144,330 | 4,997 |
| Average total loans | $54,549,330 | 4,399 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9827% | 3,105 |
| Cost of funding earning assets | 0.2417% | 4,615 |
| Net interest margin | 3.7410% | 2,347 |
| Noninterest income to average assets | 0.7288% | 1,836 |
| Noninterest expense to average assets | 3.4742% | 1,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4950% | 4,620 |
| Return on assets (ROA) | 0.4950% | 4,641 |
| Pretax return on assets | 0.5179% | 4,931 |
| Return on Equity (ROE) | 6.0897% | 3,868 |
| Retained earnings to average equity (ytd only) | 2.7065% | 4,056 |
| Net charge-offs to loans | -0.2086% | 5,627 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0264% | 733 |
| Assets per employee ($millions) | 3.4663% | 4,842 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 4,216 |
| Loan loss allowance to noncurrent loans | 421.5385% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 3,599 |
| Noncurrent loans to loans | 0.2396% | 4,250 |
| Net loans and leases to total assets | 61.9712% | 3,538 |
| Net loans and leases to deposits | 67.7734% | 4,012 |
| Net loans and leases to core deposits | 71.4715% | 4,033 |
| Total domestic deposits to total assets | 91.4388% | 187 |
| Equity capital to assets | 8.2774% | 5,369 |
| Core capital (leverage) ratio | 8.3411% | 5,348 |
| Tier 1 risk-based capital ratio | 11.0164% | 5,302 |
| Total risk-based capital ratio | 11.8771% | 5,406 |
| Memoranda: | ||
| Average total assets | $87,272,000 | 4,579 |
| Average earning assets | $76,128,500 | 4,649 |
| Average equity | $7,094,000 | 5,045 |
| Average total loans | $53,686,000 | 4,465 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8902% | 3,602 |
| Cost of funding earning assets | 0.2414% | 4,642 |
| Net interest margin | 3.6487% | 2,891 |
| Noninterest income to average assets | 0.8858% | 1,461 |
| Noninterest expense to average assets | 3.6344% | 967 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4905% | 4,672 |
| Return on assets (ROA) | 0.4972% | 4,721 |
| Pretax return on assets | 0.5217% | 4,980 |
| Return on Equity (ROE) | 5.8484% | 4,055 |
| Retained earnings to average equity (ytd only) | -0.2608% | 5,344 |
| Net charge-offs to loans | -0.2297% | 5,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5949% | 710 |
| Assets per employee ($millions) | 3.5154% | 4,741 |
| Cash dividends to net income (ytd only)* | 104.4601% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 4,443 |
| Loan loss allowance to noncurrent loans | 227.0742% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.5063% | 3,238 |
| Noncurrent loans to loans | 0.4311% | 3,597 |
| Net loans and leases to total assets | 59.8514% | 3,870 |
| Net loans and leases to deposits | 65.8665% | 4,253 |
| Net loans and leases to core deposits | 68.0831% | 4,393 |
| Total domestic deposits to total assets | 90.8677% | 321 |
| Equity capital to assets | 7.9819% | 5,573 |
| Core capital (leverage) ratio | 8.1552% | 5,531 |
| Tier 1 risk-based capital ratio | 11.1395% | 5,262 |
| Total risk-based capital ratio | 11.9711% | 5,385 |
| Memoranda: | ||
| Average total assets | $85,681,200 | 4,621 |
| Average earning assets | $76,629,000 | 4,658 |
| Average equity | $7,284,000 | 5,042 |
| Average total loans | $50,507,800 | 4,562 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8620% | 3,728 |
| Cost of funding earning assets | 0.2426% | 4,673 |
| Net interest margin | 3.6194% | 3,008 |
| Noninterest income to average assets | 0.8959% | 1,419 |
| Noninterest expense to average assets | 3.5678% | 1,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5706% | 4,413 |
| Return on assets (ROA) | 0.5795% | 4,489 |
| Pretax return on assets | 0.6092% | 4,852 |
| Return on Equity (ROE) | 6.7107% | 3,715 |
| Retained earnings to average equity (ytd only) | 0.8162% | 5,139 |
| Net charge-offs to loans | -0.1899% | 5,747 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6069% | 856 |
| Assets per employee ($millions) | 3.5198% | 4,748 |
| Cash dividends to net income (ytd only)* | 87.8375% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8922% | 4,898 |
| Loan loss allowance to noncurrent loans | 187.0079% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.5341% | 3,322 |
| Noncurrent loans to loans | 0.4771% | 3,582 |
| Net loans and leases to total assets | 59.9666% | 3,883 |
| Net loans and leases to deposits | 67.5158% | 4,203 |
| Net loans and leases to core deposits | 70.3044% | 4,302 |
| Total domestic deposits to total assets | 88.8186% | 1,002 |
| Equity capital to assets | 8.4426% | 5,563 |
| Core capital (leverage) ratio | 8.3008% | 5,499 |
| Tier 1 risk-based capital ratio | 11.4015% | 5,152 |
| Total risk-based capital ratio | 12.1719% | 5,329 |
| Memoranda: | ||
| Average total assets | $85,130,000 | 4,666 |
| Average earning assets | $76,953,750 | 4,688 |
| Average equity | $7,351,250 | 5,082 |
| Average total loans | $49,854,500 | 4,618 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8281% | 3,855 |
| Cost of funding earning assets | 0.2451% | 4,706 |
| Net interest margin | 3.5830% | 3,164 |
| Noninterest income to average assets | 0.8839% | 1,426 |
| Noninterest expense to average assets | 3.5450% | 1,091 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5750% | 4,376 |
| Return on assets (ROA) | 0.5750% | 4,502 |
| Pretax return on assets | 0.6035% | 4,877 |
| Return on Equity (ROE) | 6.6072% | 3,746 |
| Retained earnings to average equity (ytd only) | -0.9010% | 5,428 |
| Net charge-offs to loans | -0.1231% | 5,685 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4525% | 928 |
| Assets per employee ($millions) | 3.5148% | 4,732 |
| Cash dividends to net income (ytd only)* | 113.6364% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8622% | 5,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 4,510 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 56.7925% | 4,223 |
| Net loans and leases to deposits | 62.2294% | 4,638 |
| Net loans and leases to core deposits | 65.1543% | 4,671 |
| Total domestic deposits to total assets | 91.2631% | 143 |
| Equity capital to assets | 8.4387% | 5,631 |
| Core capital (leverage) ratio | 8.1607% | 5,622 |
| Tier 1 risk-based capital ratio | 12.4463% | 4,560 |
| Total risk-based capital ratio | 13.2233% | 4,758 |
| Memoranda: | ||
| Average total assets | $84,175,330 | 4,719 |
| Average earning assets | $76,696,330 | 4,739 |
| Average equity | $7,325,330 | 5,135 |
| Average total loans | $48,725,330 | 4,688 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8126% | 3,899 |
| Cost of funding earning assets | 0.2542% | 4,657 |
| Net interest margin | 3.5584% | 3,245 |
| Noninterest income to average assets | 0.9377% | 1,215 |
| Noninterest expense to average assets | 3.4885% | 1,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6802% | 3,815 |
| Return on assets (ROA) | 0.6802% | 3,932 |
| Pretax return on assets | 0.7142% | 4,478 |
| Return on Equity (ROE) | 7.6918% | 3,090 |
| Retained earnings to average equity (ytd only) | 0.8241% | 4,892 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0058% | 1,258 |
| Assets per employee ($millions) | 3.5669% | 4,713 |
| Cash dividends to net income (ytd only)* | 89.2857% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8408% | 5,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 4,504 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 58.0804% | 4,037 |
| Net loans and leases to deposits | 63.9897% | 4,442 |
| Net loans and leases to core deposits | 66.5596% | 4,498 |
| Total domestic deposits to total assets | 90.7653% | 342 |
| Equity capital to assets | 8.9666% | 5,201 |
| Core capital (leverage) ratio | 8.4672% | 5,421 |
| Tier 1 risk-based capital ratio | 13.1032% | 4,199 |
| Total risk-based capital ratio | 13.8595% | 4,425 |
| Memoranda: | ||
| Average total assets | $82,328,500 | 4,805 |
| Average earning assets | $75,539,000 | 4,816 |
| Average equity | $7,280,500 | 5,179 |
| Average total loans | $47,919,500 | 4,739 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9486% | 3,534 |
| Cost of funding earning assets | 0.2627% | 4,670 |
| Net interest margin | 3.6859% | 2,801 |
| Noninterest income to average assets | 0.9668% | 1,270 |
| Noninterest expense to average assets | 3.7013% | 976 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5548% | 4,476 |
| Return on assets (ROA) | 0.5481% | 4,604 |
| Pretax return on assets | 0.5751% | 4,922 |
| Return on Equity (ROE) | 6.4541% | 3,806 |
| Retained earnings to average equity (ytd only) | 1.0526% | 5,097 |
| Net charge-offs to loans | 0.0022% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 495.0000% | 132 |
| Efficiency ratio | 86.4086% | 967 |
| Assets per employee ($millions) | 2.8489% | 5,660 |
| Cash dividends to net income (ytd only)* | 83.6910% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8454% | 5,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 4,544 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 57.3512% | 4,164 |
| Net loans and leases to deposits | 63.0236% | 4,538 |
| Net loans and leases to core deposits | 65.5294% | 4,627 |
| Total domestic deposits to total assets | 90.9996% | 280 |
| Equity capital to assets | 8.7208% | 5,372 |
| Core capital (leverage) ratio | 8.3666% | 5,556 |
| Tier 1 risk-based capital ratio | 13.2402% | 4,143 |
| Total risk-based capital ratio | 14.0060% | 4,377 |
| Memoranda: | ||
| Average total assets | $85,024,200 | 4,767 |
| Average earning assets | $76,508,800 | 4,800 |
| Average equity | $7,220,200 | 5,205 |
| Average total loans | $45,841,400 | 4,797 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9133% | 3,706 |
| Cost of funding earning assets | 0.2656% | 4,717 |
| Net interest margin | 3.6477% | 2,971 |
| Noninterest income to average assets | 0.9732% | 1,247 |
| Noninterest expense to average assets | 3.5923% | 1,129 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6193% | 4,293 |
| Return on assets (ROA) | 0.6104% | 4,439 |
| Pretax return on assets | 0.6431% | 4,853 |
| Return on Equity (ROE) | 7.2349% | 3,509 |
| Retained earnings to average equity (ytd only) | 1.8826% | 4,941 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6295% | 1,111 |
| Assets per employee ($millions) | 2.9173% | 5,636 |
| Cash dividends to net income (ytd only)* | 73.9807% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 5,342 |
| Loan loss allowance to noncurrent loans | 318.8976% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.4054% | 4,153 |
| Noncurrent loans to loans | 0.2686% | 4,619 |
| Net loans and leases to total assets | 55.4012% | 4,418 |
| Net loans and leases to deposits | 63.3062% | 4,619 |
| Net loans and leases to core deposits | 65.8638% | 4,702 |
| Total domestic deposits to total assets | 87.5131% | 1,800 |
| Equity capital to assets | 8.6477% | 5,611 |
| Core capital (leverage) ratio | 8.4026% | 5,627 |
| Tier 1 risk-based capital ratio | 13.1984% | 4,321 |
| Total risk-based capital ratio | 13.9608% | 4,514 |
| Memoranda: | ||
| Average total assets | $85,625,500 | 4,810 |
| Average earning assets | $76,795,250 | 4,851 |
| Average equity | $7,224,000 | 5,273 |
| Average total loans | $45,355,000 | 4,867 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8674% | 3,806 |
| Cost of funding earning assets | 0.2627% | 4,802 |
| Net interest margin | 3.6047% | 3,073 |
| Noninterest income to average assets | 1.0097% | 1,159 |
| Noninterest expense to average assets | 3.5316% | 1,247 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6670% | 4,049 |
| Return on assets (ROA) | 0.6537% | 4,212 |
| Pretax return on assets | 0.6886% | 4,695 |
| Return on Equity (ROE) | 7.8128% | 3,157 |
| Retained earnings to average equity (ytd only) | 2.5301% | 4,443 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4066% | 1,329 |
| Assets per employee ($millions) | 2.8518% | 5,766 |
| Cash dividends to net income (ytd only)* | 67.6157% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 5,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 4,818 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 54.5821% | 4,493 |
| Net loans and leases to deposits | 60.6253% | 4,798 |
| Net loans and leases to core deposits | 63.0602% | 4,872 |
| Total domestic deposits to total assets | 90.0318% | 654 |
| Equity capital to assets | 8.6563% | 5,562 |
| Core capital (leverage) ratio | 8.1791% | 5,803 |
| Tier 1 risk-based capital ratio | 13.6788% | 4,109 |
| Total risk-based capital ratio | 14.4702% | 4,317 |
| Memoranda: | ||
| Average total assets | $85,967,000 | 4,856 |
| Average earning assets | $76,900,000 | 4,892 |
| Average equity | $7,193,330 | 5,321 |
| Average total loans | $44,715,000 | 4,924 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8125% | 3,959 |
| Cost of funding earning assets | 0.2690% | 4,801 |
| Net interest margin | 3.5435% | 3,246 |
| Noninterest income to average assets | 1.0457% | 1,022 |
| Noninterest expense to average assets | 3.4201% | 1,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7155% | 3,724 |
| Return on assets (ROA) | 0.6895% | 3,975 |
| Pretax return on assets | 0.7260% | 4,522 |
| Return on Equity (ROE) | 8.3767% | 2,764 |
| Retained earnings to average equity (ytd only) | 3.3840% | 3,952 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9475% | 1,628 |
| Assets per employee ($millions) | 3.0934% | 5,554 |
| Cash dividends to net income (ytd only)* | 59.6026% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9181% | 5,381 |
| Loan loss allowance to noncurrent loans | 197.5610% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 3,802 |
| Noncurrent loans to loans | 0.4647% | 4,186 |
| Net loans and leases to total assets | 48.7226% | 4,961 |
| Net loans and leases to deposits | 53.2024% | 5,255 |
| Net loans and leases to core deposits | 55.1317% | 5,303 |
| Total domestic deposits to total assets | 91.5795% | 216 |
| Equity capital to assets | 8.1953% | 5,937 |
| Core capital (leverage) ratio | 8.2488% | 5,778 |
| Tier 1 risk-based capital ratio | 13.7787% | 4,159 |
| Total risk-based capital ratio | 14.5795% | 4,327 |
| Memoranda: | ||
| Average total assets | $87,599,000 | 4,871 |
| Average earning assets | $77,324,500 | 4,936 |
| Average equity | $7,210,500 | 5,363 |
| Average total loans | $44,299,500 | 4,973 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2114% | 2,916 |
| Cost of funding earning assets | 0.3324% | 4,465 |
| Net interest margin | 3.8789% | 2,319 |
| Noninterest income to average assets | 0.9491% | 1,346 |
| Noninterest expense to average assets | 3.8645% | 896 |
| Loan and lease loss provision to assets | -0.0371% | 5,992 |
| Net operating income to assets | 0.6082% | 4,330 |
| Return on assets (ROA) | 0.7044% | 3,988 |
| Pretax return on assets | 0.7415% | 4,471 |
| Return on Equity (ROE) | 8.4359% | 2,888 |
| Retained earnings to average equity (ytd only) | 4.9580% | 2,624 |
| Net charge-offs to loans | -0.0023% | 5,383 |
| Credit loss provision to net charge-offs | 3,000.0000% | 102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5007% | 1,120 |
| Assets per employee ($millions) | 3.0531% | 5,631 |
| Cash dividends to net income (ytd only)* | 41.2281% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 5,439 |
| Loan loss allowance to noncurrent loans | 159.4488% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.6434% | 3,643 |
| Noncurrent loans to loans | 0.5710% | 3,953 |
| Net loans and leases to total assets | 51.5628% | 4,826 |
| Net loans and leases to deposits | 56.3553% | 5,160 |
| Net loans and leases to core deposits | 58.7404% | 5,217 |
| Total domestic deposits to total assets | 91.4959% | 229 |
| Equity capital to assets | 8.2690% | 5,918 |
| Core capital (leverage) ratio | 8.1077% | 5,925 |
| Tier 1 risk-based capital ratio | 13.4734% | 4,428 |
| Total risk-based capital ratio | 14.2631% | 4,635 |
| Memoranda: | ||
| Average total assets | $80,915,000 | 5,041 |
| Average earning assets | $73,396,600 | 5,056 |
| Average equity | $6,756,800 | 5,466 |
| Average total loans | $44,041,600 | 5,033 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1364% | 3,229 |
| Cost of funding earning assets | 0.3395% | 4,468 |
| Net interest margin | 3.7969% | 2,631 |
| Noninterest income to average assets | 0.9778% | 1,287 |
| Noninterest expense to average assets | 3.8241% | 938 |
| Loan and lease loss provision to assets | -0.0501% | 6,191 |
| Net operating income to assets | 0.6286% | 4,312 |
| Return on assets (ROA) | 0.7588% | 3,728 |
| Pretax return on assets | 0.7989% | 4,367 |
| Return on Equity (ROE) | 9.0634% | 2,646 |
| Retained earnings to average equity (ytd only) | 5.9691% | 2,432 |
| Net charge-offs to loans | -0.0030% | 5,218 |
| Credit loss provision to net charge-offs | 3,000.0000% | 125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2095% | 1,164 |
| Assets per employee ($millions) | 2.9425% | 5,794 |
| Cash dividends to net income (ytd only)* | 34.1406% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8690% | 5,690 |
| Loan loss allowance to noncurrent loans | 148.8971% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.6894% | 3,755 |
| Noncurrent loans to loans | 0.5836% | 4,176 |
| Net loans and leases to total assets | 56.0748% | 4,323 |
| Net loans and leases to deposits | 61.3896% | 4,806 |
| Net loans and leases to core deposits | 64.0058% | 4,879 |
| Total domestic deposits to total assets | 91.3424% | 270 |
| Equity capital to assets | 8.4780% | 5,812 |
| Core capital (leverage) ratio | 8.4642% | 5,689 |
| Tier 1 risk-based capital ratio | 13.4881% | 4,548 |
| Total risk-based capital ratio | 14.2829% | 4,769 |
| Memoranda: | ||
| Average total assets | $79,771,750 | 5,130 |
| Average earning assets | $72,654,500 | 5,130 |
| Average equity | $6,678,750 | 5,537 |
| Average total loans | $43,930,750 | 5,092 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0754% | 3,441 |
| Cost of funding earning assets | 0.3376% | 4,563 |
| Net interest margin | 3.7378% | 2,806 |
| Noninterest income to average assets | 0.9759% | 1,267 |
| Noninterest expense to average assets | 3.8302% | 935 |
| Loan and lease loss provision to assets | -0.0760% | 6,345 |
| Net operating income to assets | 0.6411% | 4,148 |
| Return on assets (ROA) | 0.7326% | 3,754 |
| Pretax return on assets | 0.7706% | 4,381 |
| Return on Equity (ROE) | 8.7886% | 2,699 |
| Retained earnings to average equity (ytd only) | 4.0750% | 3,580 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4911% | 1,227 |
| Assets per employee ($millions) | 2.8385% | 5,975 |
| Cash dividends to net income (ytd only)* | 53.6332% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9017% | 5,718 |
| Loan loss allowance to noncurrent loans | 143.2624% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.7272% | 3,802 |
| Noncurrent loans to loans | 0.6294% | 4,135 |
| Net loans and leases to total assets | 55.8658% | 4,304 |
| Net loans and leases to deposits | 62.8455% | 4,609 |
| Net loans and leases to core deposits | 65.7063% | 4,664 |
| Total domestic deposits to total assets | 88.8938% | 1,422 |
| Equity capital to assets | 8.5822% | 5,729 |
| Core capital (leverage) ratio | 8.5066% | 5,633 |
| Tier 1 risk-based capital ratio | 13.6455% | 4,492 |
| Total risk-based capital ratio | 14.4673% | 4,709 |
| Memoranda: | ||
| Average total assets | $78,899,000 | 5,186 |
| Average earning assets | $72,877,000 | 5,161 |
| Average equity | $6,576,670 | 5,589 |
| Average total loans | $43,039,330 | 5,162 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9709% | 3,809 |
| Cost of funding earning assets | 0.3429% | 4,611 |
| Net interest margin | 3.6280% | 3,150 |
| Noninterest income to average assets | 0.9668% | 1,210 |
| Noninterest expense to average assets | 3.9283% | 824 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3595% | 5,275 |
| Return on assets (ROA) | 0.5190% | 4,665 |
| Pretax return on assets | 0.5445% | 5,028 |
| Return on Equity (ROE) | 6.3212% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.3212% | 2,371 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2530% | 928 |
| Assets per employee ($millions) | 3.0344% | 5,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 5,324 |
| Loan loss allowance to noncurrent loans | 149.1409% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.7165% | 3,968 |
| Noncurrent loans to loans | 0.7021% | 4,110 |
| Net loans and leases to total assets | 50.0580% | 4,903 |
| Net loans and leases to deposits | 54.5235% | 5,233 |
| Net loans and leases to core deposits | 56.4569% | 5,325 |
| Total domestic deposits to total assets | 91.8100% | 296 |
| Equity capital to assets | 8.0155% | 6,048 |
| Core capital (leverage) ratio | 8.7404% | 5,337 |
| Tier 1 risk-based capital ratio | 12.6490% | 5,225 |
| Total risk-based capital ratio | 13.4713% | 5,426 |
| Memoranda: | ||
| Average total assets | $78,609,500 | 5,241 |
| Average earning assets | $72,327,000 | 5,220 |
| Average equity | $6,454,500 | 5,648 |
| Average total loans | $42,156,500 | 5,230 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1447% | 3,560 |
| Cost of funding earning assets | 0.4100% | 4,542 |
| Net interest margin | 3.7347% | 2,923 |
| Noninterest income to average assets | 0.9654% | 1,477 |
| Noninterest expense to average assets | 3.8384% | 1,078 |
| Loan and lease loss provision to assets | -0.2436% | 6,635 |
| Net operating income to assets | 0.7318% | 3,649 |
| Return on assets (ROA) | 0.7526% | 3,632 |
| Pretax return on assets | 0.7910% | 4,176 |
| Return on Equity (ROE) | 8.7002% | 2,701 |
| Retained earnings to average equity (ytd only) | 3.8832% | 3,441 |
| Net charge-offs to loans | 0.0311% | 4,812 |
| Credit loss provision to net charge-offs | -1,461.5385% | 6,277 |
| Earnings coverage of net charge-offs (x) | 31.5385% | 1,133 |
| Efficiency ratio | 87.9553% | 1,226 |
| Assets per employee ($millions) | 2.7885% | 6,125 |
| Cash dividends to net income (ytd only)* | 55.3663% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 5,504 |
| Loan loss allowance to noncurrent loans | 131.9149% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8474% | 3,772 |
| Noncurrent loans to loans | 0.7675% | 4,049 |
| Net loans and leases to total assets | 56.3594% | 4,264 |
| Net loans and leases to deposits | 63.0140% | 4,606 |
| Net loans and leases to core deposits | 66.4428% | 4,661 |
| Total domestic deposits to total assets | 89.4395% | 1,367 |
| Equity capital to assets | 8.4234% | 5,664 |
| Core capital (leverage) ratio | 7.9959% | 6,139 |
| Tier 1 risk-based capital ratio | 14.3143% | 4,076 |
| Total risk-based capital ratio | 15.2593% | 4,227 |
| Memoranda: | ||
| Average total assets | $78,001,000 | 5,282 |
| Average earning assets | $70,982,400 | 5,284 |
| Average equity | $6,747,000 | 5,632 |
| Average total loans | $41,737,600 | 5,274 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1194% | 3,684 |
| Cost of funding earning assets | 0.4194% | 4,623 |
| Net interest margin | 3.7000% | 3,032 |
| Noninterest income to average assets | 0.9761% | 1,517 |
| Noninterest expense to average assets | 3.5638% | 1,470 |
| Loan and lease loss provision to assets | -0.1695% | 6,696 |
| Net operating income to assets | 0.8860% | 2,906 |
| Return on assets (ROA) | 0.9134% | 2,872 |
| Pretax return on assets | 0.9592% | 3,651 |
| Return on Equity (ROE) | 10.4939% | 2,001 |
| Retained earnings to average equity (ytd only) | 6.6001% | 2,079 |
| Net charge-offs to loans | 0.0547% | 4,124 |
| Credit loss provision to net charge-offs | -588.2353% | 6,092 |
| Earnings coverage of net charge-offs (x) | 26.4071% | 1,348 |
| Efficiency ratio | 82.4060% | 1,777 |
| Assets per employee ($millions) | 2.6878% | 6,287 |
| Cash dividends to net income (ytd only)* | 37.1057% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 4,639 |
| Loan loss allowance to noncurrent loans | 102.7668% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.0829% | 3,491 |
| Noncurrent loans to loans | 1.2168% | 3,379 |
| Net loans and leases to total assets | 54.5643% | 4,524 |
| Net loans and leases to deposits | 60.8184% | 4,891 |
| Net loans and leases to core deposits | 65.1096% | 4,794 |
| Total domestic deposits to total assets | 89.7167% | 1,163 |
| Equity capital to assets | 8.6529% | 5,562 |
| Core capital (leverage) ratio | 8.5380% | 5,736 |
| Tier 1 risk-based capital ratio | 14.9062% | 3,811 |
| Total risk-based capital ratio | 16.0716% | 3,820 |
| Memoranda: | ||
| Average total assets | $78,678,750 | 5,319 |
| Average earning assets | $71,205,500 | 5,331 |
| Average equity | $6,848,250 | 5,682 |
| Average total loans | $41,455,250 | 5,338 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0386% | 3,968 |
| Cost of funding earning assets | 0.4180% | 4,774 |
| Net interest margin | 3.6206% | 3,279 |
| Noninterest income to average assets | 0.9772% | 1,587 |
| Noninterest expense to average assets | 3.3175% | 2,027 |
| Loan and lease loss provision to assets | -0.2506% | 6,807 |
| Net operating income to assets | 1.1301% | 1,815 |
| Return on assets (ROA) | 1.1301% | 1,932 |
| Pretax return on assets | 1.1877% | 2,727 |
| Return on Equity (ROE) | 12.9592% | 1,253 |
| Retained earnings to average equity (ytd only) | 7.2123% | 1,785 |
| Net charge-offs to loans | 0.0483% | 4,004 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,021 |
| Earnings coverage of net charge-offs (x) | 37.4000% | 969 |
| Efficiency ratio | 77.9741% | 2,458 |
| Assets per employee ($millions) | 3.3996% | 5,059 |
| Cash dividends to net income (ytd only)* | 44.3459% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 4,652 |
| Loan loss allowance to noncurrent loans | 76.0462% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.5038% | 2,844 |
| Noncurrent loans to loans | 1.6684% | 2,811 |
| Net loans and leases to total assets | 50.2629% | 5,083 |
| Net loans and leases to deposits | 54.9562% | 5,439 |
| Net loans and leases to core deposits | 58.4413% | 5,382 |
| Total domestic deposits to total assets | 91.4598% | 392 |
| Equity capital to assets | 8.1308% | 6,110 |
| Core capital (leverage) ratio | 8.3357% | 5,841 |
| Tier 1 risk-based capital ratio | 14.1240% | 4,343 |
| Total risk-based capital ratio | 15.2581% | 4,384 |
| Memoranda: | ||
| Average total assets | $79,819,000 | 5,318 |
| Average earning assets | $72,253,330 | 5,326 |
| Average equity | $6,960,330 | 5,693 |
| Average total loans | $41,412,330 | 5,362 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0877% | 3,775 |
| Cost of funding earning assets | 0.4250% | 4,863 |
| Net interest margin | 3.6627% | 3,019 |
| Noninterest income to average assets | 0.9071% | 1,735 |
| Noninterest expense to average assets | 3.4054% | 1,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7804% | 3,278 |
| Return on assets (ROA) | 0.7804% | 3,413 |
| Pretax return on assets | 0.8209% | 4,083 |
| Return on Equity (ROE) | 8.6474% | 2,651 |
| Retained earnings to average equity (ytd only) | 8.6474% | 1,508 |
| Net charge-offs to loans | -0.0097% | 5,427 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5755% | 2,239 |
| Assets per employee ($millions) | 3.5416% | 4,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5466% | 3,639 |
| Loan loss allowance to noncurrent loans | 84.1689% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.7543% | 2,660 |
| Noncurrent loans to loans | 1.8374% | 2,817 |
| Net loans and leases to total assets | 49.8607% | 5,012 |
| Net loans and leases to deposits | 54.9015% | 5,358 |
| Net loans and leases to core deposits | 58.6897% | 5,272 |
| Total domestic deposits to total assets | 90.8185% | 601 |
| Equity capital to assets | 8.8096% | 5,700 |
| Core capital (leverage) ratio | 8.3596% | 5,753 |
| Tier 1 risk-based capital ratio | 14.2984% | 4,286 |
| Total risk-based capital ratio | 15.5500% | 4,254 |
| Memoranda: | ||
| Average total assets | $78,933,000 | 5,388 |
| Average earning assets | $71,532,500 | 5,396 |
| Average equity | $7,123,500 | 5,711 |
| Average total loans | $41,350,000 | 5,401 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3272% | 4,095 |
| Cost of funding earning assets | 0.5390% | 4,917 |
| Net interest margin | 3.7882% | 3,278 |
| Noninterest income to average assets | 1.2396% | 1,018 |
| Noninterest expense to average assets | 3.5983% | 1,614 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9503% | 2,545 |
| Return on assets (ROA) | 0.9732% | 2,680 |
| Pretax return on assets | 1.0241% | 3,459 |
| Return on Equity (ROE) | 10.5604% | 1,952 |
| Retained earnings to average equity (ytd only) | 4.7500% | 2,882 |
| Net charge-offs to loans | 0.0234% | 5,573 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 464 |
| Efficiency ratio | 78.2533% | 2,403 |
| Assets per employee ($millions) | 3.3221% | 5,376 |
| Cash dividends to net income (ytd only)* | 55.0206% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 3,584 |
| Loan loss allowance to noncurrent loans | 88.8424% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 2.0495% | 2,393 |
| Noncurrent loans to loans | 1.7299% | 3,018 |
| Net loans and leases to total assets | 53.4099% | 4,704 |
| Net loans and leases to deposits | 60.5732% | 4,963 |
| Net loans and leases to core deposits | 64.2262% | 4,929 |
| Total domestic deposits to total assets | 88.1742% | 2,116 |
| Equity capital to assets | 9.2541% | 5,205 |
| Core capital (leverage) ratio | 8.2068% | 5,989 |
| Tier 1 risk-based capital ratio | 13.9928% | 4,388 |
| Total risk-based capital ratio | 15.2453% | 4,348 |
| Memoranda: | ||
| Average total assets | $74,701,400 | 5,492 |
| Average earning assets | $66,232,400 | 5,544 |
| Average equity | $6,884,200 | 5,794 |
| Average total loans | $38,486,200 | 5,565 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3988% | 4,052 |
| Cost of funding earning assets | 0.5704% | 4,907 |
| Net interest margin | 3.8284% | 3,215 |
| Noninterest income to average assets | 1.3122% | 854 |
| Noninterest expense to average assets | 3.5435% | 1,665 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0625% | 2,243 |
| Return on assets (ROA) | 1.0932% | 2,313 |
| Pretax return on assets | 1.1507% | 3,157 |
| Return on Equity (ROE) | 11.8754% | 1,674 |
| Retained earnings to average equity (ytd only) | 6.2204% | 2,551 |
| Net charge-offs to loans | -0.0141% | 6,428 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0108% | 2,678 |
| Assets per employee ($millions) | 3.2423% | 5,550 |
| Cash dividends to net income (ytd only)* | 47.6194% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 3,257 |
| Loan loss allowance to noncurrent loans | 89.4085% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.8962% | 2,790 |
| Noncurrent loans to loans | 1.8678% | 2,992 |
| Net loans and leases to total assets | 51.3222% | 5,139 |
| Net loans and leases to deposits | 58.3468% | 5,396 |
| Net loans and leases to core deposits | 59.1192% | 5,645 |
| Total domestic deposits to total assets | 87.9606% | 2,065 |
| Equity capital to assets | 9.5787% | 5,098 |
| Core capital (leverage) ratio | 8.7550% | 5,394 |
| Tier 1 risk-based capital ratio | 15.0244% | 3,834 |
| Total risk-based capital ratio | 16.2779% | 3,778 |
| Memoranda: | ||
| Average total assets | $74,274,500 | 5,561 |
| Average earning assets | $64,986,500 | 5,639 |
| Average equity | $6,837,500 | 5,875 |
| Average total loans | $37,746,000 | 5,663 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3602% | 4,346 |
| Cost of funding earning assets | 0.5939% | 4,951 |
| Net interest margin | 3.7663% | 3,509 |
| Noninterest income to average assets | 1.0785% | 1,229 |
| Noninterest expense to average assets | 3.5564% | 1,669 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7823% | 3,460 |
| Return on assets (ROA) | 0.7900% | 3,688 |
| Pretax return on assets | 0.8305% | 4,356 |
| Return on Equity (ROE) | 8.7000% | 2,938 |
| Retained earnings to average equity (ytd only) | 6.9184% | 2,148 |
| Net charge-offs to loans | -0.0054% | 6,174 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2192% | 2,001 |
| Assets per employee ($millions) | 2.9095% | 6,219 |
| Cash dividends to net income (ytd only)* | 20.4778% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7356% | 3,092 |
| Loan loss allowance to noncurrent loans | 65.3535% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 2.7482% | 2,007 |
| Noncurrent loans to loans | 2.6557% | 2,261 |
| Net loans and leases to total assets | 50.3616% | 5,313 |
| Net loans and leases to deposits | 55.9600% | 5,651 |
| Net loans and leases to core deposits | 57.8293% | 5,790 |
| Total domestic deposits to total assets | 89.9956% | 927 |
| Equity capital to assets | 9.5342% | 5,015 |
| Core capital (leverage) ratio | 8.5941% | 5,528 |
| Tier 1 risk-based capital ratio | 15.1920% | 3,637 |
| Total risk-based capital ratio | 16.4452% | 3,597 |
| Memoranda: | ||
| Average total assets | $74,175,330 | 5,600 |
| Average earning assets | $64,997,000 | 5,673 |
| Average equity | $6,735,670 | 5,920 |
| Average total loans | $37,354,000 | 5,713 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4210% | 4,237 |
| Cost of funding earning assets | 0.6185% | 4,978 |
| Net interest margin | 3.8026% | 3,384 |
| Noninterest income to average assets | 0.9774% | 1,489 |
| Noninterest expense to average assets | 3.4182% | 1,956 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8340% | 3,224 |
| Return on assets (ROA) | 0.8492% | 3,403 |
| Pretax return on assets | 0.8919% | 4,058 |
| Return on Equity (ROE) | 9.5841% | 2,567 |
| Retained earnings to average equity (ytd only) | 9.5841% | 1,388 |
| Net charge-offs to loans | -0.0214% | 6,204 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6020% | 2,254 |
| Assets per employee ($millions) | 3.3655% | 5,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8262% | 2,898 |
| Loan loss allowance to noncurrent loans | 81.0000% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 2.3603% | 2,518 |
| Noncurrent loans to loans | 2.2546% | 2,857 |
| Net loans and leases to total assets | 45.0024% | 5,893 |
| Net loans and leases to deposits | 49.4675% | 6,183 |
| Net loans and leases to core deposits | 51.0373% | 6,272 |
| Total domestic deposits to total assets | 90.9737% | 571 |
| Equity capital to assets | 8.6762% | 5,905 |
| Core capital (leverage) ratio | 8.4530% | 5,668 |
| Tier 1 risk-based capital ratio | 15.4537% | 3,474 |
| Total risk-based capital ratio | 16.6885% | 3,450 |
| Memoranda: | ||
| Average total assets | $74,894,000 | 5,620 |
| Average earning assets | $65,324,500 | 5,711 |
| Average equity | $6,636,000 | 5,987 |
| Average total loans | $37,391,500 | 5,762 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6784% | 4,337 |
| Cost of funding earning assets | 0.7594% | 5,138 |
| Net interest margin | 3.9190% | 3,260 |
| Noninterest income to average assets | 0.6650% | 2,809 |
| Noninterest expense to average assets | 3.7673% | 1,411 |
| Loan and lease loss provision to assets | 0.5700% | 1,826 |
| Net operating income to assets | -0.1913% | 6,250 |
| Return on assets (ROA) | 0.0204% | 6,120 |
| Pretax return on assets | 0.0204% | 6,090 |
| Return on Equity (ROE) | 0.2244% | 6,110 |
| Retained earnings to average equity (ytd only) | -2.4381% | 6,205 |
| Net charge-offs to loans | 0.7588% | 2,258 |
| Credit loss provision to net charge-offs | 140.9396% | 2,084 |
| Earnings coverage of net charge-offs (x) | 0.9362% | 5,103 |
| Efficiency ratio | 90.8674% | 1,125 |
| Assets per employee ($millions) | 3.0159% | 6,052 |
| Cash dividends to net income (ytd only)* | 1,186.6667% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6438% | 3,403 |
| Loan loss allowance to noncurrent loans | 47.2914% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 3.5949% | 1,637 |
| Noncurrent loans to loans | 3.4758% | 1,844 |
| Net loans and leases to total assets | 53.4035% | 5,115 |
| Net loans and leases to deposits | 61.6098% | 5,291 |
| Net loans and leases to core deposits | 63.7992% | 5,485 |
| Total domestic deposits to total assets | 86.6802% | 2,927 |
| Equity capital to assets | 9.0576% | 5,488 |
| Core capital (leverage) ratio | 8.2033% | 5,991 |
| Tier 1 risk-based capital ratio | 13.9592% | 4,349 |
| Total risk-based capital ratio | 15.1953% | 4,321 |
| Memoranda: | ||
| Average total assets | $73,687,600 | 5,651 |
| Average earning assets | $65,450,000 | 5,684 |
| Average equity | $6,685,600 | 5,960 |
| Average total loans | $39,271,600 | 5,725 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7495% | 4,228 |
| Cost of funding earning assets | 0.7777% | 5,290 |
| Net interest margin | 3.9717% | 3,041 |
| Noninterest income to average assets | 0.7530% | 2,296 |
| Noninterest expense to average assets | 3.7325% | 1,431 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5257% | 4,426 |
| Return on assets (ROA) | 0.7926% | 3,365 |
| Pretax return on assets | 0.8341% | 4,003 |
| Return on Equity (ROE) | 8.7325% | 2,723 |
| Retained earnings to average equity (ytd only) | 6.3311% | 2,344 |
| Net charge-offs to loans | 0.0747% | 5,217 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 13.9557% | 1,568 |
| Efficiency ratio | 87.0954% | 1,425 |
| Assets per employee ($millions) | 3.0956% | 5,908 |
| Cash dividends to net income (ytd only)* | 27.5002% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 5,281 |
| Loan loss allowance to noncurrent loans | 58.5764% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 2.9208% | 2,207 |
| Noncurrent loans to loans | 2.1238% | 3,212 |
| Net loans and leases to total assets | 53.6389% | 5,223 |
| Net loans and leases to deposits | 59.6135% | 5,677 |
| Net loans and leases to core deposits | 62.7348% | 5,747 |
| Total domestic deposits to total assets | 89.9778% | 878 |
| Equity capital to assets | 9.5323% | 5,032 |
| Core capital (leverage) ratio | 8.9981% | 4,929 |
| Tier 1 risk-based capital ratio | 14.1278% | 4,256 |
| Total risk-based capital ratio | 15.2265% | 4,340 |
| Memoranda: | ||
| Average total assets | $74,014,250 | 5,682 |
| Average earning assets | $65,830,000 | 5,721 |
| Average equity | $6,718,000 | 5,993 |
| Average total loans | $39,264,500 | 5,780 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7179% | 4,459 |
| Cost of funding earning assets | 0.7863% | 5,468 |
| Net interest margin | 3.9316% | 3,163 |
| Noninterest income to average assets | 0.7982% | 2,026 |
| Noninterest expense to average assets | 3.8365% | 1,299 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4817% | 4,586 |
| Return on assets (ROA) | 0.6385% | 3,992 |
| Pretax return on assets | 0.6710% | 4,493 |
| Return on Equity (ROE) | 7.1551% | 3,374 |
| Retained earnings to average equity (ytd only) | 5.1844% | 2,887 |
| Net charge-offs to loans | 0.1080% | 4,611 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 8.9048% | 1,987 |
| Efficiency ratio | 88.3489% | 1,376 |
| Assets per employee ($millions) | 3.0655% | 5,944 |
| Cash dividends to net income (ytd only)* | 27.5424% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 5,235 |
| Loan loss allowance to noncurrent loans | 59.3160% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 2.9712% | 2,257 |
| Noncurrent loans to loans | 2.1310% | 3,312 |
| Net loans and leases to total assets | 53.4027% | 5,373 |
| Net loans and leases to deposits | 60.2155% | 5,707 |
| Net loans and leases to core deposits | 63.8301% | 5,738 |
| Total domestic deposits to total assets | 88.6861% | 1,730 |
| Equity capital to assets | 9.4002% | 4,969 |
| Core capital (leverage) ratio | 8.6220% | 5,359 |
| Tier 1 risk-based capital ratio | 13.8819% | 4,248 |
| Total risk-based capital ratio | 14.9867% | 4,330 |
| Memoranda: | ||
| Average total assets | $73,920,670 | 5,726 |
| Average earning assets | $66,639,330 | 5,735 |
| Average equity | $6,596,670 | 6,056 |
| Average total loans | $38,901,670 | 5,850 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6336% | 4,806 |
| Cost of funding earning assets | 0.7991% | 5,582 |
| Net interest margin | 3.8345% | 3,448 |
| Noninterest income to average assets | 0.9231% | 1,574 |
| Noninterest expense to average assets | 3.8167% | 1,309 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5668% | 4,200 |
| Return on assets (ROA) | 0.5668% | 4,274 |
| Pretax return on assets | 0.5776% | 4,775 |
| Return on Equity (ROE) | 6.5248% | 3,620 |
| Retained earnings to average equity (ytd only) | 6.5248% | 2,361 |
| Net charge-offs to loans | 0.3537% | 2,650 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.1471% | 2,838 |
| Efficiency ratio | 86.8550% | 1,622 |
| Assets per employee ($millions) | 3.0603% | 6,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 5,130 |
| Loan loss allowance to noncurrent loans | 176.8953% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 2.1109% | 3,175 |
| Noncurrent loans to loans | 0.7349% | 5,543 |
| Net loans and leases to total assets | 48.6230% | 6,003 |
| Net loans and leases to deposits | 53.4652% | 6,348 |
| Net loans and leases to core deposits | 56.4569% | 6,372 |
| Total domestic deposits to total assets | 90.9433% | 656 |
| Equity capital to assets | 8.5861% | 5,788 |
| Core capital (leverage) ratio | 8.5312% | 5,388 |
| Tier 1 risk-based capital ratio | 13.6261% | 4,337 |
| Total risk-based capital ratio | 14.6938% | 4,448 |
| Memoranda: | ||
| Average total assets | $74,094,500 | 5,755 |
| Average earning assets | $67,075,000 | 5,763 |
| Average equity | $6,437,000 | 6,112 |
| Average total loans | $38,456,000 | 5,919 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0463% | 4,337 |
| Cost of funding earning assets | 1.0077% | 5,654 |
| Net interest margin | 4.0386% | 2,847 |
| Noninterest income to average assets | 0.8710% | 1,969 |
| Noninterest expense to average assets | 3.7592% | 1,565 |
| Loan and lease loss provision to assets | 0.3570% | 3,981 |
| Net operating income to assets | 0.3839% | 4,620 |
| Return on assets (ROA) | 0.4070% | 4,644 |
| Pretax return on assets | 0.4140% | 4,904 |
| Return on Equity (ROE) | 4.5941% | 4,250 |
| Retained earnings to average equity (ytd only) | 2.0854% | 4,422 |
| Net charge-offs to loans | 0.6573% | 3,037 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 2.0934% | 4,149 |
| Efficiency ratio | 83.4155% | 1,994 |
| Assets per employee ($millions) | 2.8673% | 6,405 |
| Cash dividends to net income (ytd only)* | 54.6075% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3360% | 4,821 |
| Loan loss allowance to noncurrent loans | 81.8750% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 2.3465% | 2,924 |
| Noncurrent loans to loans | 1.6317% | 4,054 |
| Net loans and leases to total assets | 53.9857% | 5,635 |
| Net loans and leases to deposits | 61.3991% | 5,911 |
| Net loans and leases to core deposits | 65.7928% | 5,898 |
| Total domestic deposits to total assets | 87.9258% | 2,294 |
| Equity capital to assets | 8.7958% | 5,437 |
| Core capital (leverage) ratio | 8.6802% | 5,055 |
| Tier 1 risk-based capital ratio | 13.3052% | 4,368 |
| Total risk-based capital ratio | 14.4369% | 4,413 |
| Memoranda: | ||
| Average total assets | $71,983,600 | 5,815 |
| Average earning assets | $64,799,400 | 5,835 |
| Average equity | $6,377,800 | 6,239 |
| Average total loans | $39,099,200 | 5,959 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0864% | 4,394 |
| Cost of funding earning assets | 1.0555% | 5,676 |
| Net interest margin | 4.0310% | 2,953 |
| Noninterest income to average assets | 0.8160% | 2,149 |
| Noninterest expense to average assets | 3.6747% | 1,626 |
| Loan and lease loss provision to assets | 0.4293% | 3,334 |
| Net operating income to assets | 0.3281% | 5,053 |
| Return on assets (ROA) | 0.3405% | 5,183 |
| Pretax return on assets | 0.3571% | 5,351 |
| Return on Equity (ROE) | 3.8357% | 4,853 |
| Retained earnings to average equity (ytd only) | 1.7511% | 5,090 |
| Net charge-offs to loans | 0.8805% | 2,244 |
| Credit loss provision to net charge-offs | 89.9225% | 4,771 |
| Earnings coverage of net charge-offs (x) | 1.6202% | 4,503 |
| Efficiency ratio | 82.6123% | 1,995 |
| Assets per employee ($millions) | 2.7790% | 6,627 |
| Cash dividends to net income (ytd only)* | 54.3472% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 4,991 |
| Loan loss allowance to noncurrent loans | 102.8926% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 2.1826% | 3,228 |
| Noncurrent loans to loans | 1.2593% | 4,749 |
| Net loans and leases to total assets | 52.5037% | 6,041 |
| Net loans and leases to deposits | 59.1419% | 6,376 |
| Net loans and leases to core deposits | 63.3428% | 6,347 |
| Total domestic deposits to total assets | 88.7757% | 1,524 |
| Equity capital to assets | 9.1773% | 5,343 |
| Core capital (leverage) ratio | 8.5348% | 5,442 |
| Tier 1 risk-based capital ratio | 13.6333% | 4,094 |
| Total risk-based capital ratio | 14.7465% | 4,164 |
| Memoranda: | ||
| Average total assets | $72,059,000 | 5,881 |
| Average earning assets | $64,929,000 | 5,893 |
| Average equity | $6,396,000 | 6,323 |
| Average total loans | $39,068,500 | 6,041 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0530% | 4,690 |
| Cost of funding earning assets | 1.1096% | 5,621 |
| Net interest margin | 3.9433% | 3,266 |
| Noninterest income to average assets | 0.8195% | 2,021 |
| Noninterest expense to average assets | 3.6781% | 1,601 |
| Loan and lease loss provision to assets | 0.3250% | 3,797 |
| Net operating income to assets | 0.3816% | 4,843 |
| Return on assets (ROA) | 0.4000% | 4,914 |
| Pretax return on assets | 0.4195% | 5,161 |
| Return on Equity (ROE) | 4.5586% | 4,512 |
| Retained earnings to average equity (ytd only) | 2.9758% | 4,228 |
| Net charge-offs to loans | -0.0051% | 7,112 |
| Credit loss provision to net charge-offs | -11,700.0000% | 7,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5331% | 1,976 |
| Assets per employee ($millions) | 2.8370% | 6,491 |
| Cash dividends to net income (ytd only)* | 34.7222% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6710% | 3,179 |
| Loan loss allowance to noncurrent loans | 120.4503% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 2.2926% | 3,138 |
| Noncurrent loans to loans | 1.3873% | 4,624 |
| Net loans and leases to total assets | 53.2633% | 6,085 |
| Net loans and leases to deposits | 59.9397% | 6,415 |
| Net loans and leases to core deposits | 64.8254% | 6,331 |
| Total domestic deposits to total assets | 88.8615% | 1,515 |
| Equity capital to assets | 9.1815% | 5,167 |
| Core capital (leverage) ratio | 8.4033% | 5,578 |
| Tier 1 risk-based capital ratio | 13.6560% | 3,972 |
| Total risk-based capital ratio | 14.9084% | 3,929 |
| Memoranda: | ||
| Average total assets | $71,994,000 | 5,922 |
| Average earning assets | $65,426,670 | 5,911 |
| Average equity | $6,317,670 | 6,366 |
| Average total loans | $39,280,000 | 6,076 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0255% | 4,907 |
| Cost of funding earning assets | 1.1616% | 5,596 |
| Net interest margin | 3.8639% | 3,492 |
| Noninterest income to average assets | 0.6949% | 2,634 |
| Noninterest expense to average assets | 3.4910% | 2,006 |
| Loan and lease loss provision to assets | 0.6453% | 1,961 |
| Net operating income to assets | 0.0784% | 6,084 |
| Return on assets (ROA) | 0.0827% | 6,177 |
| Pretax return on assets | 0.1048% | 6,121 |
| Return on Equity (ROE) | 0.9646% | 6,125 |
| Retained earnings to average equity (ytd only) | -2.2506% | 6,249 |
| Net charge-offs to loans | -0.0302% | 7,197 |
| Credit loss provision to net charge-offs | -3,900.0000% | 6,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4219% | 2,218 |
| Assets per employee ($millions) | 2.9822% | 6,251 |
| Cash dividends to net income (ytd only)* | 333.3333% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6533% | 3,238 |
| Loan loss allowance to noncurrent loans | 98.0213% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 1.5532% | 4,170 |
| Noncurrent loans to loans | 1.6866% | 4,218 |
| Net loans and leases to total assets | 51.3842% | 6,336 |
| Net loans and leases to deposits | 56.3940% | 6,742 |
| Net loans and leases to core deposits | 62.3823% | 6,571 |
| Total domestic deposits to total assets | 91.1165% | 495 |
| Equity capital to assets | 8.3483% | 6,228 |
| Core capital (leverage) ratio | 8.2180% | 5,883 |
| Tier 1 risk-based capital ratio | 13.3799% | 4,061 |
| Total risk-based capital ratio | 14.6328% | 4,021 |
| Memoranda: | ||
| Average total assets | $72,528,500 | 5,982 |
| Average earning assets | $66,461,500 | 5,954 |
| Average equity | $6,220,500 | 6,441 |
| Average total loans | $39,710,500 | 6,134 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6187% | 3,506 |
| Cost of funding earning assets | 1.5485% | 5,294 |
| Net interest margin | 4.0702% | 2,566 |
| Noninterest income to average assets | 0.8649% | 2,111 |
| Noninterest expense to average assets | 3.8744% | 1,548 |
| Loan and lease loss provision to assets | 0.2453% | 5,422 |
| Net operating income to assets | 0.4312% | 4,002 |
| Return on assets (ROA) | 0.4149% | 4,176 |
| Pretax return on assets | 0.4275% | 4,408 |
| Return on Equity (ROE) | 4.8625% | 3,729 |
| Retained earnings to average equity (ytd only) | 2.3984% | 3,449 |
| Net charge-offs to loans | 0.4805% | 3,854 |
| Credit loss provision to net charge-offs | 83.3333% | 6,212 |
| Earnings coverage of net charge-offs (x) | 2.3429% | 3,973 |
| Efficiency ratio | 84.8894% | 2,247 |
| Assets per employee ($millions) | 2.8201% | 6,626 |
| Cash dividends to net income (ytd only)* | 50.6757% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 4,797 |
| Loan loss allowance to noncurrent loans | 74.6439% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 2.1120% | 3,255 |
| Noncurrent loans to loans | 1.7347% | 4,034 |
| Net loans and leases to total assets | 56.6557% | 5,878 |
| Net loans and leases to deposits | 62.5229% | 6,410 |
| Net loans and leases to core deposits | 73.5685% | 6,559 |
| Total domestic deposits to total assets | 90.6160% | 688 |
| Equity capital to assets | 8.8181% | 5,402 |
| Core capital (leverage) ratio | 8.3156% | 5,584 |
| Tier 1 risk-based capital ratio | 12.8953% | 4,212 |
| Total risk-based capital ratio | 14.0187% | 4,250 |
| Memoranda: | ||
| Average total assets | $71,339,600 | 5,960 |
| Average earning assets | $64,836,600 | 5,961 |
| Average equity | $6,087,400 | 6,577 |
| Average total loans | $43,705,600 | 5,946 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6727% | 3,464 |
| Cost of funding earning assets | 1.6164% | 5,325 |
| Net interest margin | 4.0564% | 2,564 |
| Noninterest income to average assets | 0.8423% | 2,234 |
| Noninterest expense to average assets | 3.7382% | 1,728 |
| Loan and lease loss provision to assets | 0.0373% | 6,986 |
| Net operating income to assets | 0.7089% | 3,169 |
| Return on assets (ROA) | 0.6876% | 3,306 |
| Pretax return on assets | 0.7249% | 3,774 |
| Return on Equity (ROE) | 8.1254% | 2,589 |
| Retained earnings to average equity (ytd only) | 5.9234% | 1,991 |
| Net charge-offs to loans | 0.1438% | 5,262 |
| Credit loss provision to net charge-offs | 41.6667% | 6,406 |
| Earnings coverage of net charge-offs (x) | 8.7706% | 2,202 |
| Efficiency ratio | 82.6535% | 2,491 |
| Assets per employee ($millions) | 2.8692% | 6,483 |
| Cash dividends to net income (ytd only)* | 27.1001% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 4,760 |
| Loan loss allowance to noncurrent loans | 34.0167% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 3.2734% | 2,067 |
| Noncurrent loans to loans | 3.7031% | 2,012 |
| Net loans and leases to total assets | 58.0281% | 5,887 |
| Net loans and leases to deposits | 64.0817% | 6,482 |
| Net loans and leases to core deposits | 76.1099% | 6,609 |
| Total domestic deposits to total assets | 90.5533% | 564 |
| Equity capital to assets | 8.8486% | 5,714 |
| Core capital (leverage) ratio | 8.7768% | 5,009 |
| Tier 1 risk-based capital ratio | 12.9011% | 4,266 |
| Total risk-based capital ratio | 14.0163% | 4,286 |
| Memoranda: | ||
| Average total assets | $71,548,750 | 5,995 |
| Average earning assets | $64,917,000 | 6,011 |
| Average equity | $6,055,000 | 6,644 |
| Average total loans | $44,515,000 | 5,948 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7129% | 3,463 |
| Cost of funding earning assets | 1.7080% | 5,230 |
| Net interest margin | 4.0048% | 2,680 |
| Noninterest income to average assets | 0.9344% | 1,822 |
| Noninterest expense to average assets | 3.8580% | 1,561 |
| Loan and lease loss provision to assets | 0.0420% | 6,813 |
| Net operating income to assets | 0.6530% | 3,454 |
| Return on assets (ROA) | 0.6211% | 3,696 |
| Pretax return on assets | 0.6546% | 4,148 |
| Return on Equity (ROE) | 7.4526% | 3,006 |
| Retained earnings to average equity (ytd only) | 5.7741% | 2,129 |
| Net charge-offs to loans | 0.2207% | 4,122 |
| Credit loss provision to net charge-offs | 30.0000% | 6,029 |
| Earnings coverage of net charge-offs (x) | 5.2200% | 2,887 |
| Efficiency ratio | 84.0854% | 2,462 |
| Assets per employee ($millions) | 2.8028% | 6,622 |
| Cash dividends to net income (ytd only)* | 22.5225% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 4,890 |
| Loan loss allowance to noncurrent loans | 47.7231% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 2.9313% | 2,175 |
| Noncurrent loans to loans | 2.5281% | 2,862 |
| Net loans and leases to total assets | 61.2336% | 5,480 |
| Net loans and leases to deposits | 69.4749% | 6,048 |
| Net loans and leases to core deposits | 79.6832% | 6,435 |
| Total domestic deposits to total assets | 88.1377% | 1,697 |
| Equity capital to assets | 8.5742% | 5,938 |
| Core capital (leverage) ratio | 8.2851% | 5,829 |
| Tier 1 risk-based capital ratio | 12.6132% | 4,431 |
| Total risk-based capital ratio | 13.7090% | 4,476 |
| Memoranda: | ||
| Average total assets | $71,488,670 | 6,044 |
| Average earning assets | $65,221,330 | 6,036 |
| Average equity | $5,957,670 | 6,734 |
| Average total loans | $45,302,000 | 5,973 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7139% | 3,728 |
| Cost of funding earning assets | 1.7135% | 5,545 |
| Net interest margin | 4.0003% | 2,642 |
| Noninterest income to average assets | 0.8754% | 1,957 |
| Noninterest expense to average assets | 3.6954% | 1,666 |
| Loan and lease loss provision to assets | 0.0554% | 6,269 |
| Net operating income to assets | 0.7225% | 3,453 |
| Return on assets (ROA) | 0.6593% | 3,935 |
| Pretax return on assets | 0.6925% | 4,457 |
| Return on Equity (ROE) | 8.0236% | 3,145 |
| Retained earnings to average equity (ytd only) | 8.0236% | 1,808 |
| Net charge-offs to loans | 0.3201% | 2,819 |
| Credit loss provision to net charge-offs | 27.0270% | 4,987 |
| Earnings coverage of net charge-offs (x) | 3.9730% | 3,011 |
| Efficiency ratio | 81.9410% | 2,541 |
| Assets per employee ($millions) | 2.9151% | 6,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 4,889 |
| Loan loss allowance to noncurrent loans | 78.9318% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 2.1282% | 2,708 |
| Noncurrent loans to loans | 1.5029% | 4,037 |
| Net loans and leases to total assets | 60.8085% | 5,533 |
| Net loans and leases to deposits | 67.7604% | 6,207 |
| Net loans and leases to core deposits | 78.1739% | 6,521 |
| Total domestic deposits to total assets | 89.7404% | 915 |
| Equity capital to assets | 8.2343% | 6,491 |
| Core capital (leverage) ratio | 8.3921% | 5,726 |
| Tier 1 risk-based capital ratio | 12.1608% | 4,820 |
| Total risk-based capital ratio | 13.2414% | 4,858 |
| Memoranda: | ||
| Average total assets | $72,197,500 | 6,058 |
| Average earning assets | $65,595,000 | 6,052 |
| Average equity | $5,932,500 | 6,797 |
| Average total loans | $46,237,500 | 5,950 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1638% | 4,703 |
| Cost of funding earning assets | 2.3659% | 4,869 |
| Net interest margin | 3.7979% | 4,030 |
| Noninterest income to average assets | 0.9560% | 1,742 |
| Noninterest expense to average assets | 3.7254% | 1,901 |
| Loan and lease loss provision to assets | 1.3777% | 1,007 |
| Net operating income to assets | -0.6045% | 7,006 |
| Return on assets (ROA) | -0.8548% | 7,079 |
| Pretax return on assets | -0.9189% | 6,952 |
| Return on Equity (ROE) | -11.2093% | 7,361 |
| Retained earnings to average equity (ytd only) | -14.2007% | 7,412 |
| Net charge-offs to loans | 1.9924% | 541 |
| Credit loss provision to net charge-offs | 105.8071% | 5,062 |
| Earnings coverage of net charge-offs (x) | 0.5591% | 5,893 |
| Efficiency ratio | 83.6547% | 2,098 |
| Assets per employee ($millions) | 2.4661% | 7,265 |
| Cash dividends to net income (ytd only)* | -26.6867% | 7,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 4,751 |
| Loan loss allowance to noncurrent loans | 45.1535% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 2.0848% | 2,362 |
| Noncurrent loans to loans | 2.5994% | 2,085 |
| Net loans and leases to total assets | 65.8137% | 4,890 |
| Net loans and leases to deposits | 73.3283% | 5,914 |
| Net loans and leases to core deposits | 84.7522% | 6,228 |
| Total domestic deposits to total assets | 89.7521% | 747 |
| Equity capital to assets | 8.1994% | 6,554 |
| Core capital (leverage) ratio | 8.0632% | 6,387 |
| Tier 1 risk-based capital ratio | 11.7269% | 5,033 |
| Total risk-based capital ratio | 12.8436% | 5,047 |
| Memoranda: | ||
| Average total assets | $78,031,000 | 5,765 |
| Average earning assets | $71,854,600 | 5,741 |
| Average equity | $5,950,400 | 6,827 |
| Average total loans | $50,992,800 | 5,662 |