Home > Wayland State Bank > Performance and Condition Ratios
Wayland State Bank, Performance and Condition Ratios
| 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 | 4.5254% | 3,745 |
| Cost of funding earning assets | 0.9904% | 4,028 |
| Net interest margin | 3.5350% | 1,897 |
| Noninterest income to average assets | 0.3100% | 2,924 |
| Noninterest expense to average assets | 1.7840% | 3,957 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.2671% | 1,334 |
| Return on assets (ROA) | 1.3352% | 1,213 |
| Pretax return on assets | 1.8358% | 808 |
| Return on Equity (ROE) | 7.5300% | 2,870 |
| Retained earnings to average equity (ytd only) | 7.5266% | 1,502 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 49.9112% | 4,016 |
| Assets per employee ($millions) | 7.8351% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7456% | 607 |
| Loan loss allowance to noncurrent loans | 2,292.6829% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 3,484 |
| Noncurrent loans to loans | 0.0761% | 3,288 |
| Net loans and leases to total assets | 42.2100% | 3,973 |
| Net loans and leases to deposits | 52.1985% | 3,887 |
| Net loans and leases to core deposits | 53.3238% | 3,974 |
| Total domestic deposits to total assets | 80.8600% | 3,300 |
| Equity capital to assets | 18.2457% | 336 |
| Core capital (leverage) ratio | 20.0278% | 261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $127,468,333 | 3,576 |
| Average earning assets | $116,322,000 | 3,578 |
| Average equity | $22,613,000 | 2,746 |
| Average total loans | $56,101,000 | 3,759 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3601% | 3,890 |
| Cost of funding earning assets | 0.9091% | 4,094 |
| Net interest margin | 3.4510% | 1,993 |
| Noninterest income to average assets | 0.2000% | 3,639 |
| Noninterest expense to average assets | 1.2916% | 4,413 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.6450% | 720 |
| Return on assets (ROA) | 1.7802% | 589 |
| Pretax return on assets | 2.2720% | 441 |
| Return on Equity (ROE) | 10.1800% | 2,082 |
| Retained earnings to average equity (ytd only) | 10.1766% | 1,067 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 37.4312% | 4,392 |
| Assets per employee ($millions) | 7.9670% | 1,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6705% | 724 |
| Loan loss allowance to noncurrent loans | 3,615.3846% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 3,614 |
| Noncurrent loans to loans | 0.0462% | 3,427 |
| Net loans and leases to total assets | 43.4000% | 3,911 |
| Net loans and leases to deposits | 53.4766% | 3,797 |
| Net loans and leases to core deposits | 54.0718% | 3,969 |
| Total domestic deposits to total assets | 81.1700% | 3,337 |
| Equity capital to assets | 17.7647% | 360 |
| Core capital (leverage) ratio | 19.5703% | 277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $128,522,000 | 3,572 |
| Average earning assets | $118,804,500 | 3,561 |
| Average equity | $22,483,000 | 2,760 |
| Average total loans | $57,226,500 | 3,759 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1855% | 3,652 |
| Cost of funding earning assets | 0.6164% | 4,044 |
| Net interest margin | 3.5691% | 2,025 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 1.5401% | 4,301 |
| Loan and lease loss provision to assets | -0.2300% | 4,567 |
| Net operating income to assets | 1.7644% | 643 |
| Return on assets (ROA) | 1.7912% | 599 |
| Pretax return on assets | 2.2704% | 450 |
| Return on Equity (ROE) | 11.2400% | 2,163 |
| Retained earnings to average equity (ytd only) | 8.9072% | 1,277 |
| Net charge-offs to loans | 0.0036% | 2,632 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,608 |
| Earnings coverage of net charge-offs (x) | 1,301.5000% | 119 |
| Efficiency ratio | 42.8727% | 4,293 |
| Assets per employee ($millions) | 8.0983% | 1,387 |
| Cash dividends to net income (ytd only)* | 20.7742% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6156% | 809 |
| Loan loss allowance to noncurrent loans | 9,400.0000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 3,742 |
| Noncurrent loans to loans | 0.0172% | 3,623 |
| Net loans and leases to total assets | 44.1800% | 3,892 |
| Net loans and leases to deposits | 54.0476% | 3,794 |
| Net loans and leases to core deposits | 54.6300% | 3,956 |
| Total domestic deposits to total assets | 81.7400% | 3,173 |
| Equity capital to assets | 17.2267% | 375 |
| Core capital (leverage) ratio | 19.0936% | 293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $129,800,000 | 3,554 |
| Average earning assets | $119,889,600 | 3,546 |
| Average equity | $20,680,000 | 2,800 |
| Average total loans | $55,929,000 | 3,762 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 3,650 |
| Cost of funding earning assets | 0.5609% | 4,044 |
| Net interest margin | 3.5466% | 2,115 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 1.4436% | 4,357 |
| Loan and lease loss provision to assets | -0.3100% | 4,601 |
| Net operating income to assets | 1.8053% | 666 |
| Return on assets (ROA) | 1.8410% | 600 |
| Pretax return on assets | 2.3749% | 438 |
| Return on Equity (ROE) | 11.7900% | 2,183 |
| Retained earnings to average equity (ytd only) | 10.9323% | 1,166 |
| Net charge-offs to loans | 0.0048% | 2,295 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,634 |
| Earnings coverage of net charge-offs (x) | 984.5000% | 162 |
| Efficiency ratio | 41.0667% | 4,333 |
| Assets per employee ($millions) | 7.8449% | 1,431 |
| Cash dividends to net income (ytd only)* | 7.3062% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6719% | 752 |
| Loan loss allowance to noncurrent loans | 15,666.6667% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 3,823 |
| Noncurrent loans to loans | 0.0107% | 3,720 |
| Net loans and leases to total assets | 44.0400% | 3,910 |
| Net loans and leases to deposits | 53.2751% | 3,823 |
| Net loans and leases to core deposits | 53.8611% | 3,939 |
| Total domestic deposits to total assets | 82.6700% | 3,075 |
| Equity capital to assets | 16.1991% | 433 |
| Core capital (leverage) ratio | 18.6976% | 315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2303% | 244 |
| Memoranda: | ||
| Average total assets | $129,857,000 | 3,562 |
| Average earning assets | $119,810,000 | 3,560 |
| Average equity | $20,269,750 | 2,821 |
| Average total loans | $55,365,250 | 3,775 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9649% | 3,757 |
| Cost of funding earning assets | 0.4925% | 3,995 |
| Net interest margin | 3.4724% | 2,337 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 1.4927% | 4,340 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4794% | 1,146 |
| Return on assets (ROA) | 1.5323% | 1,044 |
| Pretax return on assets | 1.9725% | 780 |
| Return on Equity (ROE) | 9.9400% | 2,717 |
| Retained earnings to average equity (ytd only) | 9.6303% | 1,505 |
| Net charge-offs to loans | 0.0073% | 1,960 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 625.5000% | 236 |
| Efficiency ratio | 43.3438% | 4,287 |
| Assets per employee ($millions) | 7.6098% | 1,537 |
| Cash dividends to net income (ytd only)* | 3.0815% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2639% | 282 |
| 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 | 41.3800% | 3,990 |
| Net loans and leases to deposits | 49.8886% | 3,920 |
| Net loans and leases to core deposits | 50.5591% | 4,002 |
| Total domestic deposits to total assets | 82.9400% | 3,062 |
| Equity capital to assets | 15.9670% | 451 |
| Core capital (leverage) ratio | 17.8295% | 352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $131,303,000 | 3,556 |
| Average earning assets | $121,414,333 | 3,548 |
| Average equity | $20,248,667 | 2,844 |
| Average total loans | $55,079,667 | 3,792 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8000% | 3,854 |
| Cost of funding earning assets | 0.3964% | 3,975 |
| Net interest margin | 3.4036% | 2,627 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 1.3608% | 4,498 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5249% | 1,129 |
| Return on assets (ROA) | 1.6300% | 930 |
| Pretax return on assets | 2.0927% | 664 |
| Return on Equity (ROE) | 10.7600% | 2,555 |
| Retained earnings to average equity (ytd only) | 10.7558% | 1,524 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 40.3461% | 4,441 |
| Assets per employee ($millions) | 7.3046% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1848% | 333 |
| Loan loss allowance to noncurrent loans | 17,742.8571% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 3,846 |
| Noncurrent loans to loans | 0.0123% | 3,730 |
| Net loans and leases to total assets | 42.2900% | 3,940 |
| Net loans and leases to deposits | 50.7599% | 3,855 |
| Net loans and leases to core deposits | 51.4280% | 3,940 |
| Total domestic deposits to total assets | 83.3200% | 3,237 |
| Equity capital to assets | 15.6530% | 429 |
| Core capital (leverage) ratio | 17.6574% | 361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $132,271,000 | 3,591 |
| Average earning assets | $122,106,500 | 3,580 |
| Average equity | $20,045,000 | 2,888 |
| Average total loans | $55,233,500 | 3,831 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1687% | 3,873 |
| Cost of funding earning assets | 0.1832% | 3,884 |
| Net interest margin | 2.9855% | 3,487 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 1.3818% | 4,520 |
| Loan and lease loss provision to assets | -0.1100% | 4,542 |
| Net operating income to assets | 1.2787% | 1,505 |
| Return on assets (ROA) | 1.3039% | 1,374 |
| Pretax return on assets | 1.6168% | 1,124 |
| Return on Equity (ROE) | 8.7500% | 3,187 |
| Retained earnings to average equity (ytd only) | 7.4491% | 2,049 |
| Net charge-offs to loans | 0.1016% | 729 |
| Credit loss provision to net charge-offs | -283.3333% | 4,616 |
| Earnings coverage of net charge-offs (x) | 36.7778% | 1,556 |
| Efficiency ratio | 47.7403% | 4,255 |
| Assets per employee ($millions) | 7.3922% | 1,691 |
| Cash dividends to net income (ytd only)* | 14.8380% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3163% | 256 |
| Loan loss allowance to noncurrent loans | 24,840.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 3,899 |
| Noncurrent loans to loans | 0.0093% | 3,785 |
| Net loans and leases to total assets | 39.3600% | 4,088 |
| Net loans and leases to deposits | 46.6610% | 4,024 |
| Net loans and leases to core deposits | 47.5381% | 4,074 |
| Total domestic deposits to total assets | 84.3600% | 3,137 |
| Equity capital to assets | 14.6619% | 508 |
| Core capital (leverage) ratio | 17.3100% | 369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $134,899,600 | 3,588 |
| Average earning assets | $120,617,400 | 3,616 |
| Average equity | $20,109,800 | 2,947 |
| Average total loans | $53,147,200 | 3,844 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0440% | 3,805 |
| Cost of funding earning assets | 0.1690% | 3,636 |
| Net interest margin | 2.8750% | 3,557 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.2667% | 4,597 |
| Loan and lease loss provision to assets | -0.1500% | 4,632 |
| Net operating income to assets | 1.1952% | 1,709 |
| Return on assets (ROA) | 1.2450% | 1,512 |
| Pretax return on assets | 1.5819% | 1,167 |
| Return on Equity (ROE) | 8.3200% | 3,225 |
| Retained earnings to average equity (ytd only) | 8.0617% | 1,977 |
| Net charge-offs to loans | 0.1358% | 475 |
| Credit loss provision to net charge-offs | -283.3333% | 4,674 |
| Earnings coverage of net charge-offs (x) | 25.7222% | 1,598 |
| Efficiency ratio | 47.3271% | 4,310 |
| Assets per employee ($millions) | 7.3081% | 1,741 |
| Cash dividends to net income (ytd only)* | 3.0854% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3407% | 273 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 3,860 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 39.3900% | 4,096 |
| Net loans and leases to deposits | 46.4333% | 4,005 |
| Net loans and leases to core deposits | 47.4199% | 4,046 |
| Total domestic deposits to total assets | 84.8400% | 3,323 |
| Equity capital to assets | 14.1898% | 543 |
| Core capital (leverage) ratio | 16.4841% | 401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $135,359,750 | 3,603 |
| Average earning assets | $119,927,500 | 3,645 |
| Average equity | $20,260,000 | 2,973 |
| Average total loans | $53,029,250 | 3,867 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8835% | 3,823 |
| Cost of funding earning assets | 0.1648% | 3,379 |
| Net interest margin | 2.7187% | 3,667 |
| Noninterest income to average assets | 0.0293% | 4,684 |
| Noninterest expense to average assets | 1.2091% | 4,639 |
| Loan and lease loss provision to assets | -0.2240% | 4,692 |
| Net operating income to assets | 1.1292% | 1,666 |
| Return on assets (ROA) | 1.2032% | 1,402 |
| Pretax return on assets | 1.5282% | 1,104 |
| Return on Equity (ROE) | 7.9071% | 3,040 |
| Retained earnings to average equity (ytd only) | 7.9071% | 1,653 |
| Net charge-offs to loans | 0.2037% | 321 |
| Credit loss provision to net charge-offs | -283.3333% | 3,277 |
| Earnings coverage of net charge-offs (x) | 15.3148% | 1,639 |
| Efficiency ratio | 49.1833% | 4,300 |
| Assets per employee ($millions) | 8.0493% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3508% | 305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 3,419 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 37.7030% | 4,179 |
| Net loans and leases to deposits | 44.6016% | 4,089 |
| Net loans and leases to core deposits | 44.7059% | 4,167 |
| Total domestic deposits to total assets | 84.5328% | 3,580 |
| Equity capital to assets | 14.5318% | 463 |
| Core capital (leverage) ratio | 15.8371% | 394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,631,333 | 3,630 |
| Average earning assets | $120,131,333 | 3,699 |
| Average equity | $20,791,333 | 2,988 |
| Average total loans | $53,018,333 | 3,914 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8420% | 3,658 |
| Cost of funding earning assets | 0.1630% | 3,327 |
| Net interest margin | 2.6791% | 3,452 |
| Noninterest income to average assets | 0.1670% | 4,168 |
| Noninterest expense to average assets | 1.3331% | 4,599 |
| Loan and lease loss provision to assets | 0.1465% | 544 |
| Net operating income to assets | 0.7987% | 2,662 |
| Return on assets (ROA) | 0.9346% | 2,125 |
| Pretax return on assets | 1.1690% | 1,921 |
| Return on Equity (ROE) | 6.0063% | 3,344 |
| Retained earnings to average equity (ytd only) | 6.0063% | 2,253 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9551% | 4,128 |
| Assets per employee ($millions) | 8.1224% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8280% | 183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6518% | 910 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 37.3016% | 4,148 |
| Net loans and leases to deposits | 44.2579% | 4,051 |
| Net loans and leases to core deposits | 44.3608% | 4,141 |
| Total domestic deposits to total assets | 84.2823% | 3,712 |
| Equity capital to assets | 14.7864% | 418 |
| Core capital (leverage) ratio | 15.2613% | 403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3867% | 257 |
| Memoranda: | ||
| Average total assets | $136,528,000 | 3,653 |
| Average earning assets | $117,802,500 | 3,745 |
| Average equity | $21,244,500 | 3,041 |
| Average total loans | $53,110,500 | 3,921 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1649% | 3,550 |
| Cost of funding earning assets | 0.2181% | 3,279 |
| Net interest margin | 2.9468% | 3,335 |
| Noninterest income to average assets | 0.2414% | 3,933 |
| Noninterest expense to average assets | 1.4500% | 4,585 |
| Loan and lease loss provision to assets | 0.3760% | 186 |
| Net operating income to assets | 0.7878% | 3,367 |
| Return on assets (ROA) | 0.8920% | 3,129 |
| Pretax return on assets | 1.1048% | 2,955 |
| Return on Equity (ROE) | 5.3952% | 3,911 |
| Retained earnings to average equity (ytd only) | 4.5809% | 2,976 |
| Net charge-offs to loans | 0.8939% | 70 |
| Credit loss provision to net charge-offs | 105.7082% | 1,744 |
| Earnings coverage of net charge-offs (x) | 3.8013% | 2,523 |
| Efficiency ratio | 51.0199% | 4,203 |
| Assets per employee ($millions) | 7.9398% | 1,358 |
| Cash dividends to net income (ytd only)* | 15.0927% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7229% | 205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1780% | 423 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 38.3527% | 4,173 |
| Net loans and leases to deposits | 46.4353% | 4,074 |
| Net loans and leases to core deposits | 46.6529% | 4,158 |
| Total domestic deposits to total assets | 82.5939% | 3,884 |
| Equity capital to assets | 16.3525% | 343 |
| Core capital (leverage) ratio | 15.2703% | 429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,965,000 | 3,646 |
| Average earning assets | $115,548,200 | 3,746 |
| Average equity | $21,982,600 | 3,062 |
| Average total loans | $52,914,200 | 3,948 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2975% | 3,395 |
| Cost of funding earning assets | 0.2298% | 3,328 |
| Net interest margin | 3.0677% | 3,133 |
| Noninterest income to average assets | 0.1872% | 4,265 |
| Noninterest expense to average assets | 1.3176% | 4,739 |
| Loan and lease loss provision to assets | 0.4530% | 136 |
| Net operating income to assets | 0.8655% | 3,339 |
| Return on assets (ROA) | 1.0015% | 2,966 |
| Pretax return on assets | 1.2622% | 2,728 |
| Return on Equity (ROE) | 6.0411% | 3,903 |
| Retained earnings to average equity (ytd only) | 6.0229% | 2,811 |
| Net charge-offs to loans | 0.3558% | 218 |
| Credit loss provision to net charge-offs | 319.1489% | 974 |
| Earnings coverage of net charge-offs (x) | 10.8723% | 2,021 |
| Efficiency ratio | 45.3554% | 4,529 |
| Assets per employee ($millions) | 7.8485% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.3015% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4477% | 111 |
| Loan loss allowance to noncurrent loans | 90.2503% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.4375% | 354 |
| Noncurrent loans to loans | 3.8201% | 145 |
| Net loans and leases to total assets | 36.3328% | 4,376 |
| Net loans and leases to deposits | 44.1527% | 4,304 |
| Net loans and leases to core deposits | 44.4649% | 4,362 |
| Total domestic deposits to total assets | 82.2889% | 3,865 |
| Equity capital to assets | 16.6491% | 361 |
| Core capital (leverage) ratio | 15.3428% | 445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3304% | 244 |
| Memoranda: | ||
| Average total assets | $132,462,250 | 3,688 |
| Average earning assets | $115,438,000 | 3,783 |
| Average equity | $21,960,250 | 3,096 |
| Average total loans | $52,838,750 | 4,002 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6347% | 2,515 |
| Cost of funding earning assets | 0.2467% | 3,305 |
| Net interest margin | 3.3880% | 2,177 |
| Noninterest income to average assets | 0.1937% | 4,230 |
| Noninterest expense to average assets | 1.2774% | 4,798 |
| Loan and lease loss provision to assets | 0.4541% | 123 |
| Net operating income to assets | 1.1078% | 2,516 |
| Return on assets (ROA) | 1.3122% | 1,902 |
| Pretax return on assets | 1.6725% | 1,551 |
| Return on Equity (ROE) | 7.9266% | 3,427 |
| Retained earnings to average equity (ytd only) | 7.9266% | 2,101 |
| Net charge-offs to loans | 0.5064% | 158 |
| Credit loss provision to net charge-offs | 220.5882% | 1,013 |
| Earnings coverage of net charge-offs (x) | 9.0735% | 1,852 |
| Efficiency ratio | 39.9904% | 4,749 |
| Assets per employee ($millions) | 7.8548% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0638% | 143 |
| Loan loss allowance to noncurrent loans | 83.2546% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 1.4266% | 416 |
| Noncurrent loans to loans | 3.6801% | 167 |
| Net loans and leases to total assets | 37.5785% | 4,405 |
| Net loans and leases to deposits | 45.6625% | 4,320 |
| Net loans and leases to core deposits | 45.6625% | 4,402 |
| Total domestic deposits to total assets | 82.2962% | 3,863 |
| Equity capital to assets | 16.6486% | 357 |
| Core capital (leverage) ratio | 15.0733% | 464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7607% | 252 |
| Memoranda: | ||
| Average total assets | $132,141,333 | 3,708 |
| Average earning assets | $115,111,333 | 3,798 |
| Average equity | $21,875,667 | 3,099 |
| Average total loans | $53,715,667 | 4,011 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2881% | 3,478 |
| Cost of funding earning assets | 0.2653% | 3,327 |
| Net interest margin | 3.0228% | 3,201 |
| Noninterest income to average assets | 0.1948% | 4,220 |
| Noninterest expense to average assets | 1.3481% | 4,785 |
| Loan and lease loss provision to assets | 0.4565% | 156 |
| Net operating income to assets | 0.8092% | 3,392 |
| Return on assets (ROA) | 1.2203% | 2,150 |
| Pretax return on assets | 1.5459% | 1,865 |
| Return on Equity (ROE) | 7.3924% | 3,501 |
| Retained earnings to average equity (ytd only) | 7.3924% | 2,454 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8817% | 4,415 |
| Assets per employee ($millions) | 7.9256% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8758% | 168 |
| Loan loss allowance to noncurrent loans | 77.3242% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.5089% | 422 |
| Noncurrent loans to loans | 3.7191% | 163 |
| Net loans and leases to total assets | 39.4045% | 4,366 |
| Net loans and leases to deposits | 47.5794% | 4,278 |
| Net loans and leases to core deposits | 47.5794% | 4,387 |
| Total domestic deposits to total assets | 82.8183% | 3,733 |
| Equity capital to assets | 16.1286% | 377 |
| Core capital (leverage) ratio | 15.2869% | 440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5413% | 306 |
| Memoranda: | ||
| Average total assets | $131,446,500 | 3,724 |
| Average earning assets | $114,594,000 | 3,805 |
| Average equity | $21,698,000 | 3,105 |
| Average total loans | $54,691,000 | 4,017 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6363% | 3,728 |
| Cost of funding earning assets | 0.3457% | 3,890 |
| Net interest margin | 3.2906% | 3,091 |
| Noninterest income to average assets | 0.3039% | 3,655 |
| Noninterest expense to average assets | 1.7241% | 4,590 |
| Loan and lease loss provision to assets | 0.3757% | 868 |
| Net operating income to assets | 0.9535% | 2,465 |
| Return on assets (ROA) | 0.9501% | 2,629 |
| Pretax return on assets | 1.1639% | 2,460 |
| Return on Equity (ROE) | 5.3661% | 3,791 |
| Retained earnings to average equity (ytd only) | 4.3240% | 2,639 |
| Net charge-offs to loans | 0.8371% | 172 |
| Credit loss provision to net charge-offs | 90.5433% | 2,930 |
| Earnings coverage of net charge-offs (x) | 3.7203% | 3,059 |
| Efficiency ratio | 52.0695% | 4,376 |
| Assets per employee ($millions) | 6.7451% | 1,744 |
| Cash dividends to net income (ytd only)* | 19.4200% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5988% | 229 |
| Loan loss allowance to noncurrent loans | 70.1529% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.5817% | 445 |
| Noncurrent loans to loans | 3.7044% | 171 |
| Net loans and leases to total assets | 41.5865% | 4,375 |
| Net loans and leases to deposits | 50.7277% | 4,277 |
| Net loans and leases to core deposits | 50.8496% | 4,391 |
| Total domestic deposits to total assets | 81.9799% | 3,668 |
| Equity capital to assets | 16.9050% | 348 |
| Core capital (leverage) ratio | 15.4729% | 445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2493% | 315 |
| Memoranda: | ||
| Average total assets | $119,774,800 | 3,750 |
| Average earning assets | $107,884,600 | 3,799 |
| Average equity | $21,207,400 | 3,080 |
| Average total loans | $59,371,600 | 3,933 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8358% | 3,448 |
| Cost of funding earning assets | 0.3584% | 4,010 |
| Net interest margin | 3.4774% | 2,668 |
| Noninterest income to average assets | 0.2164% | 4,188 |
| Noninterest expense to average assets | 1.5431% | 4,776 |
| Loan and lease loss provision to assets | 0.2830% | 1,425 |
| Net operating income to assets | 1.2247% | 1,563 |
| Return on assets (ROA) | 1.2202% | 1,696 |
| Pretax return on assets | 1.5397% | 1,357 |
| Return on Equity (ROE) | 6.8078% | 3,268 |
| Retained earnings to average equity (ytd only) | 6.4601% | 1,901 |
| Net charge-offs to loans | 1.0947% | 125 |
| Credit loss provision to net charge-offs | 50.3018% | 2,884 |
| Earnings coverage of net charge-offs (x) | 3.2475% | 2,925 |
| Efficiency ratio | 45.0941% | 4,751 |
| Assets per employee ($millions) | 6.4869% | 1,848 |
| Cash dividends to net income (ytd only)* | 5.1068% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0928% | 424 |
| Loan loss allowance to noncurrent loans | 58.2737% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.7014% | 460 |
| Noncurrent loans to loans | 3.5914% | 213 |
| Net loans and leases to total assets | 46.3834% | 4,293 |
| Net loans and leases to deposits | 57.1520% | 4,206 |
| Net loans and leases to core deposits | 57.4662% | 4,322 |
| Total domestic deposits to total assets | 81.1580% | 3,622 |
| Equity capital to assets | 17.6842% | 323 |
| Core capital (leverage) ratio | 16.2467% | 397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2848% | 325 |
| Memoranda: | ||
| Average total assets | $117,679,250 | 3,769 |
| Average earning assets | $106,781,250 | 3,810 |
| Average equity | $21,093,000 | 3,086 |
| Average total loans | $60,535,000 | 3,926 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9875% | 3,358 |
| Cost of funding earning assets | 0.3676% | 4,188 |
| Net interest margin | 3.6199% | 2,417 |
| Noninterest income to average assets | 0.2107% | 4,223 |
| Noninterest expense to average assets | 1.5092% | 4,840 |
| Loan and lease loss provision to assets | 0.2590% | 1,631 |
| Net operating income to assets | 1.4124% | 1,086 |
| Return on assets (ROA) | 1.4056% | 1,191 |
| Pretax return on assets | 1.7838% | 838 |
| Return on Equity (ROE) | 7.8049% | 2,825 |
| Retained earnings to average equity (ytd only) | 7.2871% | 1,544 |
| Net charge-offs to loans | -0.0033% | 3,899 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7556% | 4,869 |
| Assets per employee ($millions) | 6.0491% | 2,141 |
| Cash dividends to net income (ytd only)* | 6.6339% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6612% | 187 |
| Loan loss allowance to noncurrent loans | 62.4518% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 2.1441% | 315 |
| Noncurrent loans to loans | 4.2612% | 145 |
| Net loans and leases to total assets | 48.9788% | 4,209 |
| Net loans and leases to deposits | 60.4452% | 4,092 |
| Net loans and leases to core deposits | 60.6276% | 4,229 |
| Total domestic deposits to total assets | 81.0301% | 3,600 |
| Equity capital to assets | 17.7978% | 318 |
| Core capital (leverage) ratio | 16.4931% | 390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,822,000 | 3,774 |
| Average earning assets | $107,184,333 | 3,785 |
| Average equity | $20,858,667 | 3,091 |
| Average total loans | $61,250,000 | 3,918 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8863% | 4,059 |
| Cost of funding earning assets | 0.3978% | 4,370 |
| Net interest margin | 3.4885% | 3,023 |
| Noninterest income to average assets | 0.2261% | 4,195 |
| Noninterest expense to average assets | 1.5860% | 4,865 |
| Loan and lease loss provision to assets | 0.2649% | 1,178 |
| Net operating income to assets | 1.2679% | 1,335 |
| Return on assets (ROA) | 1.2539% | 1,472 |
| Pretax return on assets | 1.5789% | 1,114 |
| Return on Equity (ROE) | 6.9194% | 2,984 |
| Retained earnings to average equity (ytd only) | 6.9194% | 1,567 |
| Net charge-offs to loans | -0.0065% | 3,932 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2869% | 4,850 |
| Assets per employee ($millions) | 5.6591% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5724% | 224 |
| Loan loss allowance to noncurrent loans | 57.9955% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 2.3538% | 309 |
| Noncurrent loans to loans | 4.4356% | 154 |
| Net loans and leases to total assets | 51.7004% | 4,136 |
| Net loans and leases to deposits | 64.3361% | 3,961 |
| Net loans and leases to core deposits | 64.5441% | 4,145 |
| Total domestic deposits to total assets | 80.3598% | 3,788 |
| Equity capital to assets | 18.4095% | 326 |
| Core capital (leverage) ratio | 17.0563% | 408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,242,500 | 3,800 |
| Average earning assets | $104,572,000 | 3,808 |
| Average equity | $20,522,000 | 3,119 |
| Average total loans | $61,437,500 | 3,931 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1451% | 3,938 |
| Cost of funding earning assets | 0.4324% | 4,331 |
| Net interest margin | 3.7127% | 2,778 |
| Noninterest income to average assets | 0.3238% | 3,756 |
| Noninterest expense to average assets | 1.7769% | 4,798 |
| Loan and lease loss provision to assets | 0.3947% | 367 |
| Net operating income to assets | 1.2698% | 1,804 |
| Return on assets (ROA) | 1.3760% | 1,503 |
| Pretax return on assets | 1.7276% | 1,113 |
| Return on Equity (ROE) | 7.9080% | 3,203 |
| Retained earnings to average equity (ytd only) | 6.2481% | 1,741 |
| Net charge-offs to loans | 0.0574% | 2,280 |
| Credit loss provision to net charge-offs | 1,257.1429% | 273 |
| Earnings coverage of net charge-offs (x) | 63.3714% | 948 |
| Efficiency ratio | 46.5587% | 4,894 |
| Assets per employee ($millions) | 5.6652% | 1,906 |
| Cash dividends to net income (ytd only)* | 20.9909% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3386% | 268 |
| Loan loss allowance to noncurrent loans | 182.0322% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.7122% | 1,819 |
| Noncurrent loans to loans | 1.2847% | 1,174 |
| Net loans and leases to total assets | 54.1428% | 4,066 |
| Net loans and leases to deposits | 66.5509% | 3,920 |
| Net loans and leases to core deposits | 66.9468% | 4,135 |
| Total domestic deposits to total assets | 81.3555% | 3,692 |
| Equity capital to assets | 17.8352% | 383 |
| Core capital (leverage) ratio | 16.6665% | 453 |
| Tier 1 risk-based capital ratio | 24.5141% | 786 |
| Total risk-based capital ratio | 25.7718% | 767 |
| Memoranda: | ||
| Average total assets | $111,484,800 | 3,813 |
| Average earning assets | $103,374,600 | 3,810 |
| Average equity | $19,398,000 | 3,179 |
| Average total loans | $60,950,400 | 3,965 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1659% | 3,999 |
| Cost of funding earning assets | 0.4364% | 4,378 |
| Net interest margin | 3.7295% | 2,826 |
| Noninterest income to average assets | 0.2774% | 4,090 |
| Noninterest expense to average assets | 1.5755% | 5,022 |
| Loan and lease loss provision to assets | 0.2582% | 618 |
| Net operating income to assets | 1.4975% | 1,193 |
| Return on assets (ROA) | 1.4975% | 1,254 |
| Pretax return on assets | 1.9021% | 862 |
| Return on Equity (ROE) | 8.6616% | 3,026 |
| Retained earnings to average equity (ytd only) | 7.9392% | 1,431 |
| Net charge-offs to loans | 0.0683% | 1,850 |
| Credit loss provision to net charge-offs | 693.5484% | 484 |
| Earnings coverage of net charge-offs (x) | 58.0356% | 1,079 |
| Efficiency ratio | 41.5301% | 5,093 |
| Assets per employee ($millions) | 6.8611% | 1,087 |
| Cash dividends to net income (ytd only)* | 8.3398% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0589% | 416 |
| Loan loss allowance to noncurrent loans | 499.2000% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 3,668 |
| Noncurrent loans to loans | 0.4124% | 3,070 |
| Net loans and leases to total assets | 54.0791% | 4,177 |
| Net loans and leases to deposits | 66.8999% | 4,002 |
| Net loans and leases to core deposits | 67.3126% | 4,202 |
| Total domestic deposits to total assets | 80.8359% | 3,800 |
| Equity capital to assets | 18.3261% | 367 |
| Core capital (leverage) ratio | 16.9917% | 446 |
| Tier 1 risk-based capital ratio | 25.6238% | 730 |
| Total risk-based capital ratio | 26.8790% | 714 |
| Memoranda: | ||
| Average total assets | $111,030,000 | 3,859 |
| Average earning assets | $102,960,750 | 3,860 |
| Average equity | $19,195,500 | 3,224 |
| Average total loans | $60,484,250 | 4,019 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0919% | 4,182 |
| Cost of funding earning assets | 0.4295% | 4,397 |
| Net interest margin | 3.6624% | 3,063 |
| Noninterest income to average assets | 0.2746% | 4,102 |
| Noninterest expense to average assets | 1.4859% | 5,126 |
| Loan and lease loss provision to assets | 0.2512% | 610 |
| Net operating income to assets | 1.5272% | 1,069 |
| Return on assets (ROA) | 1.5272% | 1,119 |
| Pretax return on assets | 1.9345% | 780 |
| Return on Equity (ROE) | 9.0110% | 2,847 |
| Retained earnings to average equity (ytd only) | 7.9945% | 1,400 |
| Net charge-offs to loans | 0.1688% | 955 |
| Credit loss provision to net charge-offs | 274.5098% | 951 |
| Earnings coverage of net charge-offs (x) | 23.8824% | 1,642 |
| Efficiency ratio | 39.8338% | 5,165 |
| Assets per employee ($millions) | 6.5023% | 1,234 |
| Cash dividends to net income (ytd only)* | 11.2808% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9369% | 530 |
| Loan loss allowance to noncurrent loans | 3,843.3333% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 4,639 |
| Noncurrent loans to loans | 0.0504% | 4,462 |
| Net loans and leases to total assets | 52.8094% | 4,302 |
| Net loans and leases to deposits | 64.8316% | 4,178 |
| Net loans and leases to core deposits | 65.4047% | 4,342 |
| Total domestic deposits to total assets | 81.4563% | 3,680 |
| Equity capital to assets | 17.7286% | 406 |
| Core capital (leverage) ratio | 16.5974% | 474 |
| Tier 1 risk-based capital ratio | 24.7430% | 775 |
| Total risk-based capital ratio | 25.9963% | 757 |
| Memoranda: | ||
| Average total assets | $111,447,330 | 3,879 |
| Average earning assets | $103,374,330 | 3,879 |
| Average equity | $18,888,000 | 3,257 |
| Average total loans | $60,440,670 | 4,045 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0699% | 4,211 |
| Cost of funding earning assets | 0.4244% | 4,381 |
| Net interest margin | 3.6456% | 3,088 |
| Noninterest income to average assets | 0.2323% | 4,350 |
| Noninterest expense to average assets | 1.5442% | 5,138 |
| Loan and lease loss provision to assets | 0.2323% | 650 |
| Net operating income to assets | 1.4263% | 1,302 |
| Return on assets (ROA) | 1.4263% | 1,329 |
| Pretax return on assets | 1.8338% | 905 |
| Return on Equity (ROE) | 8.6114% | 2,983 |
| Retained earnings to average equity (ytd only) | 6.5395% | 2,231 |
| Net charge-offs to loans | -0.1576% | 5,131 |
| Credit loss provision to net charge-offs | -270.8333% | 3,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.8614% | 5,294 |
| Assets per employee ($millions) | 6.5545% | 1,216 |
| Cash dividends to net income (ytd only)* | 24.0602% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8961% | 595 |
| Loan loss allowance to noncurrent loans | 325.7062% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4083% | 2,950 |
| Noncurrent loans to loans | 0.5821% | 2,591 |
| Net loans and leases to total assets | 53.5391% | 4,235 |
| Net loans and leases to deposits | 65.0908% | 4,117 |
| Net loans and leases to core deposits | 65.6560% | 4,295 |
| Total domestic deposits to total assets | 82.2530% | 3,659 |
| Equity capital to assets | 16.9519% | 453 |
| Core capital (leverage) ratio | 16.0545% | 522 |
| Tier 1 risk-based capital ratio | 23.5781% | 877 |
| Total risk-based capital ratio | 24.8311% | 854 |
| Memoranda: | ||
| Average total assets | $111,901,500 | 3,906 |
| Average earning assets | $103,687,500 | 3,915 |
| Average equity | $18,533,500 | 3,308 |
| Average total loans | $60,897,000 | 4,075 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8519% | 4,388 |
| Cost of funding earning assets | 0.3454% | 4,310 |
| Net interest margin | 3.5065% | 3,684 |
| Noninterest income to average assets | 0.3104% | 4,035 |
| Noninterest expense to average assets | 1.6737% | 5,124 |
| Loan and lease loss provision to assets | 0.2043% | 920 |
| Net operating income to assets | 1.3276% | 1,689 |
| Return on assets (ROA) | 1.3276% | 1,681 |
| Pretax return on assets | 1.6537% | 1,302 |
| Return on Equity (ROE) | 8.5653% | 3,193 |
| Retained earnings to average equity (ytd only) | 4.4145% | 3,106 |
| Net charge-offs to loans | 0.3342% | 576 |
| Credit loss provision to net charge-offs | 118.0905% | 2,197 |
| Earnings coverage of net charge-offs (x) | 10.7387% | 2,692 |
| Efficiency ratio | 46.7504% | 5,096 |
| Assets per employee ($millions) | 6.6104% | 1,166 |
| Cash dividends to net income (ytd only)* | 48.4610% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7447% | 767 |
| Loan loss allowance to noncurrent loans | 230.3030% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.5393% | 2,437 |
| Noncurrent loans to loans | 0.7576% | 2,109 |
| Net loans and leases to total assets | 53.3210% | 4,330 |
| Net loans and leases to deposits | 64.2037% | 4,246 |
| Net loans and leases to core deposits | 64.9279% | 4,410 |
| Total domestic deposits to total assets | 83.0498% | 3,310 |
| Equity capital to assets | 16.1761% | 511 |
| Core capital (leverage) ratio | 15.5620% | 588 |
| Tier 1 risk-based capital ratio | 23.0139% | 920 |
| Total risk-based capital ratio | 24.2652% | 887 |
| Memoranda: | ||
| Average total assets | $115,017,800 | 3,873 |
| Average earning assets | $105,662,200 | 3,884 |
| Average equity | $17,827,800 | 3,313 |
| Average total loans | $59,539,000 | 4,103 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7955% | 4,445 |
| Cost of funding earning assets | 0.3265% | 4,334 |
| Net interest margin | 3.4689% | 3,806 |
| Noninterest income to average assets | 0.2639% | 4,390 |
| Noninterest expense to average assets | 1.5353% | 5,254 |
| Loan and lease loss provision to assets | 0.1498% | 1,314 |
| Net operating income to assets | 1.4016% | 1,488 |
| Return on assets (ROA) | 1.4016% | 1,487 |
| Pretax return on assets | 1.7623% | 1,105 |
| Return on Equity (ROE) | 9.1390% | 3,024 |
| Retained earnings to average equity (ytd only) | 6.5612% | 2,359 |
| Net charge-offs to loans | 0.0270% | 2,567 |
| Credit loss provision to net charge-offs | 1,083.3333% | 388 |
| Earnings coverage of net charge-offs (x) | 138.2463% | 585 |
| Efficiency ratio | 43.8649% | 5,217 |
| Assets per employee ($millions) | 5.9773% | 1,502 |
| Cash dividends to net income (ytd only)* | 28.2072% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8909% | 608 |
| Loan loss allowance to noncurrent loans | 247.5162% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.5345% | 2,599 |
| Noncurrent loans to loans | 0.7639% | 2,176 |
| Net loans and leases to total assets | 52.3567% | 4,469 |
| Net loans and leases to deposits | 62.7981% | 4,403 |
| Net loans and leases to core deposits | 63.5036% | 4,549 |
| Total domestic deposits to total assets | 83.3731% | 3,177 |
| Equity capital to assets | 15.8503% | 564 |
| Core capital (leverage) ratio | 15.3916% | 612 |
| Tier 1 risk-based capital ratio | 23.1350% | 922 |
| Total risk-based capital ratio | 24.3871% | 898 |
| Memoranda: | ||
| Average total assets | $115,678,250 | 3,896 |
| Average earning assets | $106,158,500 | 3,910 |
| Average equity | $17,740,250 | 3,349 |
| Average total loans | $59,177,750 | 4,156 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7160% | 4,548 |
| Cost of funding earning assets | 0.2984% | 4,428 |
| Net interest margin | 3.4176% | 3,901 |
| Noninterest income to average assets | 0.2664% | 4,404 |
| Noninterest expense to average assets | 1.5226% | 5,326 |
| Loan and lease loss provision to assets | 0.1289% | 1,538 |
| Net operating income to assets | 1.3782% | 1,508 |
| Return on assets (ROA) | 1.3782% | 1,512 |
| Pretax return on assets | 1.7443% | 1,107 |
| Return on Equity (ROE) | 9.0861% | 2,979 |
| Retained earnings to average equity (ytd only) | 5.8119% | 2,656 |
| Net charge-offs to loans | 0.0409% | 2,041 |
| Credit loss provision to net charge-offs | 625.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 90.8333% | 743 |
| Efficiency ratio | 44.1802% | 5,279 |
| Assets per employee ($millions) | 5.8610% | 1,586 |
| Cash dividends to net income (ytd only)* | 36.0349% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8227% | 721 |
| Loan loss allowance to noncurrent loans | 360.0660% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 3,221 |
| Noncurrent loans to loans | 0.5062% | 2,903 |
| Net loans and leases to total assets | 50.1318% | 4,601 |
| Net loans and leases to deposits | 59.6220% | 4,552 |
| Net loans and leases to core deposits | 60.1080% | 4,699 |
| Total domestic deposits to total assets | 84.0828% | 3,034 |
| Equity capital to assets | 15.1870% | 654 |
| Core capital (leverage) ratio | 14.9001% | 692 |
| Tier 1 risk-based capital ratio | 23.0498% | 931 |
| Total risk-based capital ratio | 24.3011% | 914 |
| Memoranda: | ||
| Average total assets | $116,381,330 | 3,922 |
| Average earning assets | $106,566,670 | 3,935 |
| Average equity | $17,653,330 | 3,378 |
| Average total loans | $58,701,330 | 4,194 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6676% | 4,546 |
| Cost of funding earning assets | 0.2911% | 4,409 |
| Net interest margin | 3.3764% | 3,961 |
| Noninterest income to average assets | 0.2656% | 4,404 |
| Noninterest expense to average assets | 1.5384% | 5,365 |
| Loan and lease loss provision to assets | 0.1035% | 1,794 |
| Net operating income to assets | 1.3625% | 1,444 |
| Return on assets (ROA) | 1.3625% | 1,458 |
| Pretax return on assets | 1.7040% | 1,105 |
| Return on Equity (ROE) | 8.9880% | 2,911 |
| Retained earnings to average equity (ytd only) | 3.8000% | 3,676 |
| Net charge-offs to loans | 0.4336% | 358 |
| Credit loss provision to net charge-offs | 47.6190% | 1,969 |
| Earnings coverage of net charge-offs (x) | 8.3175% | 2,041 |
| Efficiency ratio | 45.2577% | 5,307 |
| Assets per employee ($millions) | 6.1375% | 1,412 |
| Cash dividends to net income (ytd only)* | 57.7215% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 914 |
| Loan loss allowance to noncurrent loans | 283.4758% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 3,141 |
| Noncurrent loans to loans | 0.6063% | 2,731 |
| Net loans and leases to total assets | 48.7926% | 4,646 |
| Net loans and leases to deposits | 57.9056% | 4,588 |
| Net loans and leases to core deposits | 58.3791% | 4,734 |
| Total domestic deposits to total assets | 84.2623% | 3,212 |
| Equity capital to assets | 15.0165% | 672 |
| Core capital (leverage) ratio | 14.6028% | 741 |
| Tier 1 risk-based capital ratio | 22.6468% | 976 |
| Total risk-based capital ratio | 23.8966% | 958 |
| Memoranda: | ||
| Average total assets | $115,962,500 | 3,965 |
| Average earning assets | $105,792,000 | 3,991 |
| Average equity | $17,579,000 | 3,412 |
| Average total loans | $58,124,500 | 4,245 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6328% | 4,496 |
| Cost of funding earning assets | 0.2905% | 4,220 |
| Net interest margin | 3.3423% | 4,034 |
| Noninterest income to average assets | 0.3527% | 3,946 |
| Noninterest expense to average assets | 1.8714% | 5,157 |
| Loan and lease loss provision to assets | 0.1329% | 1,729 |
| Net operating income to assets | 0.9334% | 2,531 |
| Return on assets (ROA) | 0.9410% | 2,522 |
| Pretax return on assets | 1.4186% | 1,930 |
| Return on Equity (ROE) | 6.1082% | 3,717 |
| Retained earnings to average equity (ytd only) | 5.1017% | 2,063 |
| Net charge-offs to loans | 0.1436% | 1,640 |
| Credit loss provision to net charge-offs | 180.7229% | 1,500 |
| Earnings coverage of net charge-offs (x) | 20.9398% | 1,939 |
| Efficiency ratio | 54.1558% | 4,942 |
| Assets per employee ($millions) | 6.0691% | 1,470 |
| Cash dividends to net income (ytd only)* | 16.4783% | 3,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 840 |
| Loan loss allowance to noncurrent loans | 352.0548% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 3,358 |
| Noncurrent loans to loans | 0.5004% | 3,026 |
| Net loans and leases to total assets | 49.7151% | 4,664 |
| Net loans and leases to deposits | 59.2048% | 4,622 |
| Net loans and leases to core deposits | 59.8457% | 4,763 |
| Total domestic deposits to total assets | 83.9715% | 3,221 |
| Equity capital to assets | 15.3036% | 626 |
| Core capital (leverage) ratio | 14.9340% | 633 |
| Tier 1 risk-based capital ratio | 22.0087% | 1,014 |
| Total risk-based capital ratio | 23.2590% | 998 |
| Memoranda: | ||
| Average total assets | $112,855,600 | 4,013 |
| Average earning assets | $103,281,200 | 4,040 |
| Average equity | $17,386,400 | 3,452 |
| Average total loans | $57,815,800 | 4,248 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6577% | 4,427 |
| Cost of funding earning assets | 0.2894% | 4,235 |
| Net interest margin | 3.3683% | 3,957 |
| Noninterest income to average assets | 0.3207% | 4,243 |
| Noninterest expense to average assets | 1.7022% | 5,362 |
| Loan and lease loss provision to assets | 0.1247% | 1,734 |
| Net operating income to assets | 1.0988% | 2,100 |
| Return on assets (ROA) | 1.1095% | 2,104 |
| Pretax return on assets | 1.6060% | 1,399 |
| Return on Equity (ROE) | 7.1894% | 3,548 |
| Retained earnings to average equity (ytd only) | 6.9123% | 1,735 |
| Net charge-offs to loans | 0.1965% | 1,084 |
| Credit loss provision to net charge-offs | 123.5294% | 1,968 |
| Earnings coverage of net charge-offs (x) | 16.9884% | 2,136 |
| Efficiency ratio | 49.1137% | 5,284 |
| Assets per employee ($millions) | 5.8531% | 1,605 |
| Cash dividends to net income (ytd only)* | 3.8545% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6470% | 1,142 |
| Loan loss allowance to noncurrent loans | 279.4872% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 3,413 |
| Noncurrent loans to loans | 0.5893% | 2,934 |
| Net loans and leases to total assets | 52.6788% | 4,522 |
| Net loans and leases to deposits | 63.3391% | 4,428 |
| Net loans and leases to core deposits | 64.0573% | 4,603 |
| Total domestic deposits to total assets | 83.1694% | 3,402 |
| Equity capital to assets | 16.0789% | 530 |
| Core capital (leverage) ratio | 14.9787% | 669 |
| Tier 1 risk-based capital ratio | 23.4648% | 902 |
| Total risk-based capital ratio | 24.7157% | 885 |
| Memoranda: | ||
| Average total assets | $112,241,250 | 4,065 |
| Average earning assets | $103,195,250 | 4,084 |
| Average equity | $17,321,250 | 3,490 |
| Average total loans | $57,680,750 | 4,294 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6231% | 4,452 |
| Cost of funding earning assets | 0.2887% | 4,200 |
| Net interest margin | 3.3344% | 4,001 |
| Noninterest income to average assets | 0.2718% | 4,602 |
| Noninterest expense to average assets | 1.7285% | 5,386 |
| Loan and lease loss provision to assets | 0.1066% | 1,909 |
| Net operating income to assets | 1.0527% | 2,195 |
| Return on assets (ROA) | 1.0676% | 2,175 |
| Pretax return on assets | 1.5153% | 1,585 |
| Return on Equity (ROE) | 7.0150% | 3,546 |
| Retained earnings to average equity (ytd only) | 7.0150% | 1,586 |
| Net charge-offs to loans | 0.2173% | 946 |
| Credit loss provision to net charge-offs | 96.7742% | 2,075 |
| Earnings coverage of net charge-offs (x) | 14.5323% | 2,066 |
| Efficiency ratio | 51.2273% | 5,228 |
| Assets per employee ($millions) | 5.9861% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6940% | 1,072 |
| Loan loss allowance to noncurrent loans | 257.1046% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.4150% | 3,452 |
| Noncurrent loans to loans | 0.6589% | 2,771 |
| Net loans and leases to total assets | 48.9309% | 4,768 |
| Net loans and leases to deposits | 58.3850% | 4,733 |
| Net loans and leases to core deposits | 58.8592% | 4,880 |
| Total domestic deposits to total assets | 83.8072% | 3,281 |
| Equity capital to assets | 15.4612% | 622 |
| Core capital (leverage) ratio | 14.7427% | 690 |
| Tier 1 risk-based capital ratio | 23.2137% | 922 |
| Total risk-based capital ratio | 24.4641% | 913 |
| Memoranda: | ||
| Average total assets | $112,585,670 | 4,087 |
| Average earning assets | $103,227,330 | 4,115 |
| Average equity | $17,134,670 | 3,517 |
| Average total loans | $57,053,000 | 4,331 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6078% | 4,399 |
| Cost of funding earning assets | 0.2910% | 4,136 |
| Net interest margin | 3.3168% | 3,950 |
| Noninterest income to average assets | 0.2500% | 4,747 |
| Noninterest expense to average assets | 1.8748% | 5,266 |
| Loan and lease loss provision to assets | 0.1071% | 1,784 |
| Net operating income to assets | 0.9022% | 2,752 |
| Return on assets (ROA) | 0.9071% | 2,780 |
| Pretax return on assets | 1.3284% | 2,143 |
| Return on Equity (ROE) | 6.0085% | 3,904 |
| Retained earnings to average equity (ytd only) | 6.0085% | 2,328 |
| Net charge-offs to loans | 0.3771% | 485 |
| Credit loss provision to net charge-offs | 55.5556% | 1,939 |
| Earnings coverage of net charge-offs (x) | 7.4074% | 2,138 |
| Efficiency ratio | 56.0000% | 4,938 |
| Assets per employee ($millions) | 5.9126% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6411% | 1,270 |
| Loan loss allowance to noncurrent loans | 223.0952% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 3,358 |
| Noncurrent loans to loans | 0.7356% | 2,656 |
| Net loans and leases to total assets | 49.9902% | 4,670 |
| Net loans and leases to deposits | 59.4917% | 4,599 |
| Net loans and leases to core deposits | 59.8085% | 4,788 |
| Total domestic deposits to total assets | 84.0288% | 3,467 |
| Equity capital to assets | 15.2145% | 612 |
| Core capital (leverage) ratio | 14.4336% | 734 |
| Tier 1 risk-based capital ratio | 22.6049% | 1,024 |
| Total risk-based capital ratio | 23.8550% | 998 |
| Memoranda: | ||
| Average total assets | $112,010,500 | 4,134 |
| Average earning assets | $103,110,000 | 4,150 |
| Average equity | $16,909,500 | 3,559 |
| Average total loans | $57,274,000 | 4,371 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6714% | 4,304 |
| Cost of funding earning assets | 0.2805% | 4,252 |
| Net interest margin | 3.3909% | 3,851 |
| Noninterest income to average assets | 0.3367% | 4,329 |
| Noninterest expense to average assets | 1.8772% | 5,391 |
| Loan and lease loss provision to assets | 0.1624% | 1,522 |
| Net operating income to assets | 1.0536% | 2,123 |
| Return on assets (ROA) | 1.0631% | 2,175 |
| Pretax return on assets | 1.4637% | 1,700 |
| Return on Equity (ROE) | 5.8503% | 4,053 |
| Retained earnings to average equity (ytd only) | 4.7422% | 2,521 |
| Net charge-offs to loans | 0.0304% | 3,410 |
| Credit loss provision to net charge-offs | 1,000.0000% | 376 |
| Earnings coverage of net charge-offs (x) | 99.3333% | 600 |
| Efficiency ratio | 53.5670% | 5,276 |
| Assets per employee ($millions) | 5.8779% | 1,556 |
| Cash dividends to net income (ytd only)* | 18.9409% | 3,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 1,192 |
| Loan loss allowance to noncurrent loans | 150.1563% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.5731% | 3,013 |
| Noncurrent loans to loans | 1.1140% | 1,857 |
| Net loans and leases to total assets | 50.5825% | 4,720 |
| Net loans and leases to deposits | 60.0093% | 4,667 |
| Net loans and leases to core deposits | 60.4919% | 4,837 |
| Total domestic deposits to total assets | 84.2910% | 3,323 |
| Equity capital to assets | 14.9775% | 647 |
| Core capital (leverage) ratio | 13.8995% | 842 |
| Tier 1 risk-based capital ratio | 21.9106% | 1,096 |
| Total risk-based capital ratio | 23.1604% | 1,070 |
| Memoranda: | ||
| Average total assets | $92,371,800 | 4,503 |
| Average earning assets | $85,907,600 | 4,473 |
| Average equity | $16,785,600 | 3,579 |
| Average total loans | $49,287,000 | 4,592 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5741% | 4,622 |
| Cost of funding earning assets | 0.2727% | 4,360 |
| Net interest margin | 3.3014% | 4,183 |
| Noninterest income to average assets | 0.2802% | 4,763 |
| Noninterest expense to average assets | 1.6753% | 5,625 |
| Loan and lease loss provision to assets | 0.1523% | 1,534 |
| Net operating income to assets | 1.0445% | 2,226 |
| Return on assets (ROA) | 1.0570% | 2,290 |
| Pretax return on assets | 1.5504% | 1,532 |
| Return on Equity (ROE) | 5.5077% | 4,309 |
| Retained earnings to average equity (ytd only) | 5.0474% | 2,794 |
| Net charge-offs to loans | 0.0423% | 2,796 |
| Credit loss provision to net charge-offs | 666.6667% | 580 |
| Earnings coverage of net charge-offs (x) | 73.7315% | 831 |
| Efficiency ratio | 49.8640% | 5,512 |
| Assets per employee ($millions) | 5.8312% | 1,554 |
| Cash dividends to net income (ytd only)* | 8.3572% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 861 |
| Loan loss allowance to noncurrent loans | 489.7849% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.2126% | 4,581 |
| Noncurrent loans to loans | 0.3869% | 3,872 |
| Net loans and leases to total assets | 53.9237% | 4,494 |
| Net loans and leases to deposits | 67.8179% | 4,168 |
| Net loans and leases to core deposits | 69.3648% | 4,373 |
| Total domestic deposits to total assets | 79.5125% | 4,617 |
| Equity capital to assets | 19.5752% | 238 |
| Core capital (leverage) ratio | 19.4883% | 213 |
| Tier 1 risk-based capital ratio | 28.8741% | 532 |
| Total risk-based capital ratio | 30.1274% | 525 |
| Memoranda: | ||
| Average total assets | $87,544,500 | 4,622 |
| Average earning assets | $81,659,500 | 4,588 |
| Average equity | $16,800,250 | 3,606 |
| Average total loans | $47,245,750 | 4,692 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4980% | 4,870 |
| Cost of funding earning assets | 0.2744% | 4,398 |
| Net interest margin | 3.2236% | 4,473 |
| Noninterest income to average assets | 0.2718% | 4,840 |
| Noninterest expense to average assets | 1.5942% | 5,766 |
| Loan and lease loss provision to assets | 0.1142% | 1,977 |
| Net operating income to assets | 1.0731% | 2,077 |
| Return on assets (ROA) | 1.0917% | 2,114 |
| Pretax return on assets | 1.5964% | 1,382 |
| Return on Equity (ROE) | 5.7270% | 4,175 |
| Retained earnings to average equity (ytd only) | 5.7270% | 2,278 |
| Net charge-offs to loans | 0.1065% | 1,759 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 29.4800% | 1,401 |
| Efficiency ratio | 48.6411% | 5,643 |
| Assets per employee ($millions) | 5.7684% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 1,040 |
| Loan loss allowance to noncurrent loans | 457.5269% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2150% | 4,636 |
| Noncurrent loans to loans | 0.3990% | 3,928 |
| Net loans and leases to total assets | 52.8974% | 4,601 |
| Net loans and leases to deposits | 66.6162% | 4,297 |
| Net loans and leases to core deposits | 67.9010% | 4,484 |
| Total domestic deposits to total assets | 79.4062% | 4,693 |
| Equity capital to assets | 19.6739% | 229 |
| Core capital (leverage) ratio | 19.0331% | 231 |
| Tier 1 risk-based capital ratio | 29.3307% | 525 |
| Total risk-based capital ratio | 30.5827% | 519 |
| Memoranda: | ||
| Average total assets | $87,570,000 | 4,664 |
| Average earning assets | $81,647,000 | 4,631 |
| Average equity | $16,693,000 | 3,630 |
| Average total loans | $46,968,670 | 4,737 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5538% | 4,752 |
| Cost of funding earning assets | 0.2722% | 4,477 |
| Net interest margin | 3.2815% | 4,297 |
| Noninterest income to average assets | 0.2407% | 5,018 |
| Noninterest expense to average assets | 1.4031% | 5,959 |
| Loan and lease loss provision to assets | 0.1135% | 1,845 |
| Net operating income to assets | 1.2305% | 1,452 |
| Return on assets (ROA) | 1.2305% | 1,563 |
| Pretax return on assets | 1.7890% | 868 |
| Return on Equity (ROE) | 6.5586% | 3,696 |
| Retained earnings to average equity (ytd only) | 6.5586% | 2,103 |
| Net charge-offs to loans | 0.0085% | 2,842 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 419.0000% | 140 |
| Efficiency ratio | 42.4451% | 5,908 |
| Assets per employee ($millions) | 5.8793% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8427% | 1,069 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 51.3403% | 4,699 |
| Net loans and leases to deposits | 64.0619% | 4,437 |
| Net loans and leases to core deposits | 65.2623% | 4,597 |
| Total domestic deposits to total assets | 80.1417% | 4,716 |
| Equity capital to assets | 18.9681% | 257 |
| Core capital (leverage) ratio | 19.0018% | 233 |
| Tier 1 risk-based capital ratio | 29.0499% | 549 |
| Total risk-based capital ratio | 30.3019% | 540 |
| Memoranda: | ||
| Average total assets | $88,092,000 | 4,693 |
| Average earning assets | $82,279,000 | 4,655 |
| Average equity | $16,528,000 | 3,657 |
| Average total loans | $47,142,500 | 4,759 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6083% | 4,652 |
| Cost of funding earning assets | 0.2978% | 4,275 |
| Net interest margin | 3.3105% | 4,252 |
| Noninterest income to average assets | 0.3596% | 4,327 |
| Noninterest expense to average assets | 1.7734% | 5,774 |
| Loan and lease loss provision to assets | 0.0588% | 3,137 |
| Net operating income to assets | 1.1517% | 1,727 |
| Return on assets (ROA) | 1.1517% | 1,798 |
| Pretax return on assets | 1.6241% | 1,180 |
| Return on Equity (ROE) | 6.0842% | 3,994 |
| Retained earnings to average equity (ytd only) | 4.1472% | 3,046 |
| Net charge-offs to loans | 0.0064% | 4,227 |
| Credit loss provision to net charge-offs | 1,666.6667% | 211 |
| Earnings coverage of net charge-offs (x) | 477.3333% | 138 |
| Efficiency ratio | 51.3091% | 5,679 |
| Assets per employee ($millions) | 5.8663% | 1,488 |
| Cash dividends to net income (ytd only)* | 31.8367% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7152% | 1,324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 53.7900% | 4,530 |
| Net loans and leases to deposits | 66.7842% | 4,243 |
| Net loans and leases to core deposits | 68.2785% | 4,429 |
| Total domestic deposits to total assets | 80.5430% | 4,599 |
| Equity capital to assets | 18.5558% | 274 |
| Core capital (leverage) ratio | 18.6606% | 255 |
| Tier 1 risk-based capital ratio | 27.7362% | 617 |
| Total risk-based capital ratio | 28.9871% | 604 |
| Memoranda: | ||
| Average total assets | $85,092,400 | 4,764 |
| Average earning assets | $79,594,400 | 4,725 |
| Average equity | $16,107,200 | 3,658 |
| Average total loans | $46,766,400 | 4,766 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6041% | 4,728 |
| Cost of funding earning assets | 0.3058% | 4,266 |
| Net interest margin | 3.2983% | 4,349 |
| Noninterest income to average assets | 0.3034% | 4,765 |
| Noninterest expense to average assets | 1.6199% | 5,972 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2153% | 1,598 |
| Return on assets (ROA) | 1.2153% | 1,665 |
| Pretax return on assets | 1.7684% | 955 |
| Return on Equity (ROE) | 6.3874% | 3,966 |
| Retained earnings to average equity (ytd only) | 5.6731% | 2,475 |
| Net charge-offs to loans | 0.0086% | 3,864 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 372.9900% | 202 |
| Efficiency ratio | 47.8078% | 5,878 |
| Assets per employee ($millions) | 6.0805% | 1,312 |
| Cash dividends to net income (ytd only)* | 11.1830% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6940% | 1,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 52.9021% | 4,672 |
| Net loans and leases to deposits | 66.3103% | 4,358 |
| Net loans and leases to core deposits | 67.8601% | 4,553 |
| Total domestic deposits to total assets | 79.7796% | 4,792 |
| Equity capital to assets | 19.2924% | 263 |
| Core capital (leverage) ratio | 18.9717% | 247 |
| Tier 1 risk-based capital ratio | 28.9789% | 570 |
| Total risk-based capital ratio | 30.2295% | 561 |
| Memoranda: | ||
| Average total assets | $84,367,000 | 4,841 |
| Average earning assets | $78,907,500 | 4,803 |
| Average equity | $16,052,000 | 3,700 |
| Average total loans | $46,418,500 | 4,831 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6364% | 4,617 |
| Cost of funding earning assets | 0.3049% | 4,345 |
| Net interest margin | 3.3314% | 4,166 |
| Noninterest income to average assets | 0.2972% | 4,831 |
| Noninterest expense to average assets | 1.6169% | 6,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2388% | 1,497 |
| Return on assets (ROA) | 1.2388% | 1,563 |
| Pretax return on assets | 1.7976% | 899 |
| Return on Equity (ROE) | 6.5418% | 3,857 |
| Retained earnings to average equity (ytd only) | 5.4620% | 2,561 |
| Net charge-offs to loans | 0.0043% | 3,754 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 756.0000% | 84 |
| Efficiency ratio | 47.3538% | 5,992 |
| Assets per employee ($millions) | 5.6605% | 1,608 |
| Cash dividends to net income (ytd only)* | 16.5067% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6810% | 1,654 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 53.5909% | 4,602 |
| Net loans and leases to deposits | 66.8867% | 4,239 |
| Net loans and leases to core deposits | 68.1897% | 4,474 |
| Total domestic deposits to total assets | 80.1220% | 4,835 |
| Equity capital to assets | 18.9617% | 268 |
| Core capital (leverage) ratio | 18.7028% | 252 |
| Tier 1 risk-based capital ratio | 29.0985% | 581 |
| Total risk-based capital ratio | 30.3502% | 577 |
| Memoranda: | ||
| Average total assets | $84,113,670 | 4,891 |
| Average earning assets | $78,705,000 | 4,853 |
| Average equity | $15,928,330 | 3,736 |
| Average total loans | $46,621,330 | 4,867 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6306% | 4,595 |
| Cost of funding earning assets | 0.3004% | 4,439 |
| Net interest margin | 3.3302% | 4,094 |
| Noninterest income to average assets | 0.2771% | 4,960 |
| Noninterest expense to average assets | 1.5481% | 6,146 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2710% | 1,358 |
| Return on assets (ROA) | 1.2710% | 1,438 |
| Pretax return on assets | 1.8539% | 789 |
| Return on Equity (ROE) | 6.7161% | 3,649 |
| Retained earnings to average equity (ytd only) | 4.5447% | 3,300 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5056% | 6,127 |
| Assets per employee ($millions) | 5.6989% | 1,626 |
| Cash dividends to net income (ytd only)* | 32.3308% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6661% | 1,831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 53.7850% | 4,472 |
| Net loans and leases to deposits | 66.8591% | 4,065 |
| Net loans and leases to core deposits | 67.6461% | 4,368 |
| Total domestic deposits to total assets | 80.4452% | 4,946 |
| Equity capital to assets | 18.6774% | 282 |
| Core capital (leverage) ratio | 18.8060% | 248 |
| Tier 1 risk-based capital ratio | 28.4992% | 620 |
| Total risk-based capital ratio | 29.7502% | 609 |
| Memoranda: | ||
| Average total assets | $83,716,500 | 4,948 |
| Average earning assets | $78,555,000 | 4,904 |
| Average equity | $15,842,500 | 3,771 |
| Average total loans | $46,791,500 | 4,887 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8161% | 4,441 |
| Cost of funding earning assets | 0.3285% | 4,511 |
| Net interest margin | 3.4877% | 3,843 |
| Noninterest income to average assets | 0.3601% | 4,521 |
| Noninterest expense to average assets | 1.8703% | 5,976 |
| Loan and lease loss provision to assets | 0.0306% | 3,991 |
| Net operating income to assets | 1.2237% | 1,515 |
| Return on assets (ROA) | 1.2359% | 1,530 |
| Pretax return on assets | 1.7405% | 910 |
| Return on Equity (ROE) | 6.5792% | 3,857 |
| Retained earnings to average equity (ytd only) | 5.3142% | 2,397 |
| Net charge-offs to loans | -0.0043% | 5,449 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6053% | 6,007 |
| Assets per employee ($millions) | 5.4633% | 1,802 |
| Cash dividends to net income (ytd only)* | 19.2270% | 3,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6657% | 1,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 56.1891% | 4,309 |
| Net loans and leases to deposits | 70.3136% | 3,866 |
| Net loans and leases to core deposits | 71.4605% | 4,174 |
| Total domestic deposits to total assets | 79.9121% | 5,046 |
| Equity capital to assets | 19.1812% | 257 |
| Core capital (leverage) ratio | 18.8169% | 254 |
| Tier 1 risk-based capital ratio | 28.5894% | 590 |
| Total risk-based capital ratio | 29.8424% | 572 |
| Memoranda: | ||
| Average total assets | $81,643,600 | 5,027 |
| Average earning assets | $76,412,200 | 4,972 |
| Average equity | $15,336,200 | 3,773 |
| Average total loans | $46,810,000 | 4,923 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8307% | 4,434 |
| Cost of funding earning assets | 0.3303% | 4,560 |
| Net interest margin | 3.5004% | 3,830 |
| Noninterest income to average assets | 0.3057% | 4,997 |
| Noninterest expense to average assets | 1.6591% | 6,239 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3208% | 1,314 |
| Return on assets (ROA) | 1.3208% | 1,373 |
| Pretax return on assets | 1.9207% | 683 |
| Return on Equity (ROE) | 7.0687% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.5176% | 2,091 |
| Net charge-offs to loans | -0.0085% | 5,396 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3470% | 6,282 |
| Assets per employee ($millions) | 5.3727% | 1,842 |
| Cash dividends to net income (ytd only)* | 7.7972% | 3,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 2,361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 58.3018% | 4,028 |
| Net loans and leases to deposits | 73.2280% | 3,529 |
| Net loans and leases to core deposits | 74.4557% | 3,902 |
| Total domestic deposits to total assets | 79.6168% | 5,195 |
| Equity capital to assets | 19.4215% | 253 |
| Core capital (leverage) ratio | 18.8471% | 259 |
| Tier 1 risk-based capital ratio | 28.4600% | 617 |
| Total risk-based capital ratio | 29.7111% | 597 |
| Memoranda: | ||
| Average total assets | $81,567,000 | 5,076 |
| Average earning assets | $76,294,250 | 5,034 |
| Average equity | $15,240,500 | 3,813 |
| Average total loans | $46,805,750 | 4,972 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7933% | 4,551 |
| Cost of funding earning assets | 0.3289% | 4,655 |
| Net interest margin | 3.4644% | 3,920 |
| Noninterest income to average assets | 0.2955% | 5,050 |
| Noninterest expense to average assets | 1.6778% | 6,290 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2773% | 1,370 |
| Return on assets (ROA) | 1.2773% | 1,430 |
| Pretax return on assets | 1.8585% | 747 |
| Return on Equity (ROE) | 6.9256% | 3,659 |
| Retained earnings to average equity (ytd only) | 6.0914% | 2,263 |
| Net charge-offs to loans | -0.0043% | 5,151 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4448% | 6,312 |
| Assets per employee ($millions) | 5.5235% | 1,677 |
| Cash dividends to net income (ytd only)* | 12.0459% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 2,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 57.1066% | 4,099 |
| Net loans and leases to deposits | 70.9313% | 3,707 |
| Net loans and leases to core deposits | 75.5851% | 3,665 |
| Total domestic deposits to total assets | 80.5098% | 5,125 |
| Equity capital to assets | 18.5898% | 290 |
| Core capital (leverage) ratio | 18.5224% | 274 |
| Tier 1 risk-based capital ratio | 27.5302% | 667 |
| Total risk-based capital ratio | 28.7810% | 656 |
| Memoranda: | ||
| Average total assets | $81,892,330 | 5,113 |
| Average earning assets | $76,608,000 | 5,056 |
| Average equity | $15,103,330 | 3,838 |
| Average total loans | $46,493,670 | 5,018 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7867% | 4,542 |
| Cost of funding earning assets | 0.3366% | 4,678 |
| Net interest margin | 3.4501% | 3,902 |
| Noninterest income to average assets | 0.2751% | 5,168 |
| Noninterest expense to average assets | 1.5428% | 6,462 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3659% | 1,065 |
| Return on assets (ROA) | 1.3659% | 1,109 |
| Pretax return on assets | 1.9555% | 582 |
| Return on Equity (ROE) | 7.4361% | 3,242 |
| Retained earnings to average equity (ytd only) | 6.9279% | 2,079 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1011% | 6,496 |
| Assets per employee ($millions) | 5.4795% | 1,726 |
| Cash dividends to net income (ytd only)* | 6.8345% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6235% | 2,598 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 55.3672% | 4,227 |
| Net loans and leases to deposits | 68.5950% | 3,783 |
| Net loans and leases to core deposits | 69.4376% | 4,160 |
| Total domestic deposits to total assets | 80.7161% | 5,309 |
| Equity capital to assets | 18.3945% | 301 |
| Core capital (leverage) ratio | 18.4340% | 282 |
| Tier 1 risk-based capital ratio | 27.5798% | 672 |
| Total risk-based capital ratio | 28.8311% | 658 |
| Memoranda: | ||
| Average total assets | $81,412,500 | 5,176 |
| Average earning assets | $76,056,500 | 5,112 |
| Average equity | $14,954,000 | 3,868 |
| Average total loans | $45,707,500 | 5,085 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6950% | 5,151 |
| Cost of funding earning assets | 0.4158% | 4,473 |
| Net interest margin | 3.2792% | 4,739 |
| Noninterest income to average assets | 0.3548% | 4,770 |
| Noninterest expense to average assets | 1.7910% | 6,333 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1976% | 1,574 |
| Return on assets (ROA) | 1.1976% | 1,643 |
| Pretax return on assets | 1.6124% | 1,140 |
| Return on Equity (ROE) | 6.7182% | 3,715 |
| Retained earnings to average equity (ytd only) | 5.6339% | 2,193 |
| Net charge-offs to loans | -0.0210% | 6,151 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6240% | 6,240 |
| Assets per employee ($millions) | 5.3755% | 1,770 |
| Cash dividends to net income (ytd only)* | 16.1389% | 3,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6653% | 2,516 |
| Loan loss allowance to noncurrent loans | 15,040.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 6,417 |
| Noncurrent loans to loans | 0.0111% | 6,248 |
| Net loans and leases to total assets | 55.0699% | 4,450 |
| Net loans and leases to deposits | 68.2005% | 4,024 |
| Net loans and leases to core deposits | 69.0543% | 4,388 |
| Total domestic deposits to total assets | 80.7471% | 5,254 |
| Equity capital to assets | 18.3414% | 296 |
| Core capital (leverage) ratio | 18.0338% | 299 |
| Tier 1 risk-based capital ratio | 27.7751% | 624 |
| Total risk-based capital ratio | 29.0274% | 609 |
| Memoranda: | ||
| Average total assets | $81,743,800 | 5,203 |
| Average earning assets | $75,994,000 | 5,156 |
| Average equity | $14,572,400 | 3,953 |
| Average total loans | $42,918,400 | 5,236 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6863% | 5,197 |
| Cost of funding earning assets | 0.4384% | 4,406 |
| Net interest margin | 3.2478% | 4,837 |
| Noninterest income to average assets | 0.3186% | 5,146 |
| Noninterest expense to average assets | 1.5573% | 6,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2565% | 1,466 |
| Return on assets (ROA) | 1.2565% | 1,533 |
| Pretax return on assets | 1.7718% | 958 |
| Return on Equity (ROE) | 7.0989% | 3,590 |
| Retained earnings to average equity (ytd only) | 6.9887% | 1,884 |
| Net charge-offs to loans | -0.0220% | 6,067 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7773% | 6,560 |
| Assets per employee ($millions) | 5.3606% | 1,778 |
| Cash dividends to net income (ytd only)* | 1.5524% | 3,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6675% | 2,739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 5,496 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 55.0038% | 4,458 |
| Net loans and leases to deposits | 68.1238% | 4,047 |
| Net loans and leases to core deposits | 69.1927% | 4,410 |
| Total domestic deposits to total assets | 80.7410% | 5,289 |
| Equity capital to assets | 18.3425% | 304 |
| Core capital (leverage) ratio | 18.0684% | 295 |
| Tier 1 risk-based capital ratio | 27.4928% | 668 |
| Total risk-based capital ratio | 28.7450% | 653 |
| Memoranda: | ||
| Average total assets | $82,021,750 | 5,240 |
| Average earning assets | $76,028,000 | 5,199 |
| Average equity | $14,518,250 | 4,007 |
| Average total loans | $42,359,000 | 5,301 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6176% | 5,380 |
| Cost of funding earning assets | 0.4600% | 4,311 |
| Net interest margin | 3.1576% | 5,097 |
| Noninterest income to average assets | 0.3101% | 5,226 |
| Noninterest expense to average assets | 1.5770% | 6,610 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2137% | 1,558 |
| Return on assets (ROA) | 1.2137% | 1,661 |
| Pretax return on assets | 1.6594% | 1,216 |
| Return on Equity (ROE) | 6.9384% | 3,631 |
| Retained earnings to average equity (ytd only) | 6.8553% | 1,955 |
| Net charge-offs to loans | -0.0048% | 5,630 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7275% | 6,498 |
| Assets per employee ($millions) | 5.4271% | 1,661 |
| Cash dividends to net income (ytd only)* | 1.1976% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7581% | 2,571 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 5,561 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 51.0693% | 4,989 |
| Net loans and leases to deposits | 62.7930% | 4,653 |
| Net loans and leases to core deposits | 63.5125% | 4,947 |
| Total domestic deposits to total assets | 81.3296% | 5,251 |
| Equity capital to assets | 17.7724% | 341 |
| Core capital (leverage) ratio | 17.6663% | 310 |
| Tier 1 risk-based capital ratio | 27.8044% | 641 |
| Total risk-based capital ratio | 29.0557% | 630 |
| Memoranda: | ||
| Average total assets | $82,559,330 | 5,257 |
| Average earning assets | $76,514,670 | 5,215 |
| Average equity | $14,441,330 | 4,060 |
| Average total loans | $41,486,000 | 5,357 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5482% | 5,584 |
| Cost of funding earning assets | 0.4869% | 4,211 |
| Net interest margin | 3.0613% | 5,392 |
| Noninterest income to average assets | 0.2935% | 5,360 |
| Noninterest expense to average assets | 1.4097% | 6,812 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2558% | 1,386 |
| Return on assets (ROA) | 1.2558% | 1,487 |
| Pretax return on assets | 1.7273% | 1,009 |
| Return on Equity (ROE) | 7.2359% | 3,360 |
| Retained earnings to average equity (ytd only) | 7.2359% | 2,054 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9387% | 6,734 |
| Assets per employee ($millions) | 5.5787% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8400% | 2,480 |
| Loan loss allowance to noncurrent loans | 74,300.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 5,680 |
| Noncurrent loans to loans | 0.0025% | 6,522 |
| Net loans and leases to total assets | 47.3680% | 5,298 |
| Net loans and leases to deposits | 58.9404% | 4,916 |
| Net loans and leases to core deposits | 59.6051% | 5,183 |
| Total domestic deposits to total assets | 80.3659% | 5,672 |
| Equity capital to assets | 17.3671% | 383 |
| Core capital (leverage) ratio | 17.2729% | 331 |
| Tier 1 risk-based capital ratio | 27.4444% | 672 |
| Total risk-based capital ratio | 28.6964% | 664 |
| Memoranda: | ||
| Average total assets | $83,135,500 | 5,295 |
| Average earning assets | $77,223,000 | 5,229 |
| Average equity | $14,428,000 | 4,108 |
| Average total loans | $41,070,000 | 5,416 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9486% | 5,447 |
| Cost of funding earning assets | 0.5815% | 4,517 |
| Net interest margin | 3.3670% | 5,011 |
| Noninterest income to average assets | 0.5197% | 3,774 |
| Noninterest expense to average assets | 1.7307% | 6,693 |
| Loan and lease loss provision to assets | 0.0501% | 5,187 |
| Net operating income to assets | 1.3678% | 1,158 |
| Return on assets (ROA) | 1.3751% | 1,262 |
| Pretax return on assets | 1.8885% | 768 |
| Return on Equity (ROE) | 7.8467% | 3,154 |
| Retained earnings to average equity (ytd only) | 6.5032% | 1,817 |
| Net charge-offs to loans | 0.1522% | 4,172 |
| Credit loss provision to net charge-offs | 64.5161% | 4,326 |
| Earnings coverage of net charge-offs (x) | 24.8387% | 1,161 |
| Efficiency ratio | 47.2964% | 6,740 |
| Assets per employee ($millions) | 5.5060% | 1,683 |
| Cash dividends to net income (ytd only)* | 17.1220% | 3,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7793% | 2,656 |
| Loan loss allowance to noncurrent loans | 300.8097% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 5,783 |
| Noncurrent loans to loans | 0.5915% | 5,053 |
| Net loans and leases to total assets | 49.6622% | 5,214 |
| Net loans and leases to deposits | 61.8158% | 4,804 |
| Net loans and leases to core deposits | 62.8097% | 5,081 |
| Total domestic deposits to total assets | 80.3390% | 5,583 |
| Equity capital to assets | 17.3423% | 379 |
| Core capital (leverage) ratio | 17.1105% | 341 |
| Tier 1 risk-based capital ratio | 26.9638% | 693 |
| Total risk-based capital ratio | 28.2163% | 685 |
| Memoranda: | ||
| Average total assets | $79,850,800 | 5,353 |
| Average earning assets | $74,457,400 | 5,300 |
| Average equity | $13,993,200 | 4,159 |
| Average total loans | $40,739,200 | 5,470 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9941% | 5,538 |
| Cost of funding earning assets | 0.5948% | 4,702 |
| Net interest margin | 3.3993% | 5,037 |
| Noninterest income to average assets | 0.4042% | 4,603 |
| Noninterest expense to average assets | 1.5427% | 6,917 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4535% | 1,121 |
| Return on assets (ROA) | 1.4535% | 1,243 |
| Pretax return on assets | 2.0379% | 651 |
| Return on Equity (ROE) | 8.2716% | 3,154 |
| Retained earnings to average equity (ytd only) | 8.0032% | 1,616 |
| Net charge-offs to loans | 0.0724% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 55.0048% | 699 |
| Efficiency ratio | 43.0856% | 6,925 |
| Assets per employee ($millions) | 5.3449% | 1,790 |
| Cash dividends to net income (ytd only)* | 3.2443% | 3,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8106% | 2,765 |
| Loan loss allowance to noncurrent loans | 257.9861% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.3592% | 5,794 |
| Noncurrent loans to loans | 0.7018% | 5,033 |
| Net loans and leases to total assets | 50.2569% | 5,281 |
| Net loans and leases to deposits | 62.9254% | 4,854 |
| Net loans and leases to core deposits | 63.4755% | 5,209 |
| Total domestic deposits to total assets | 79.8675% | 5,695 |
| Equity capital to assets | 17.9036% | 371 |
| Core capital (leverage) ratio | 17.4508% | 337 |
| Tier 1 risk-based capital ratio | 27.7057% | 689 |
| Total risk-based capital ratio | 28.9579% | 673 |
| Memoranda: | ||
| Average total assets | $79,166,000 | 5,432 |
| Average earning assets | $73,973,750 | 5,371 |
| Average equity | $13,910,750 | 4,212 |
| Average total loans | $40,484,250 | 5,550 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0832% | 5,380 |
| Cost of funding earning assets | 0.6031% | 4,878 |
| Net interest margin | 3.4801% | 4,762 |
| Noninterest income to average assets | 0.3552% | 4,991 |
| Noninterest expense to average assets | 1.4994% | 7,005 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4817% | 1,021 |
| Return on assets (ROA) | 1.4817% | 1,144 |
| Pretax return on assets | 2.1058% | 575 |
| Return on Equity (ROE) | 8.4865% | 3,021 |
| Retained earnings to average equity (ytd only) | 8.0796% | 1,610 |
| Net charge-offs to loans | 0.1141% | 4,031 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 36.0870% | 952 |
| Efficiency ratio | 41.5904% | 7,030 |
| Assets per employee ($millions) | 5.2411% | 1,876 |
| Cash dividends to net income (ytd only)* | 4.7945% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8680% | 2,652 |
| Loan loss allowance to noncurrent loans | 257.6389% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 5,864 |
| Noncurrent loans to loans | 0.7250% | 5,059 |
| Net loans and leases to total assets | 49.5828% | 5,409 |
| Net loans and leases to deposits | 62.0711% | 4,984 |
| Net loans and leases to core deposits | 62.8031% | 5,322 |
| Total domestic deposits to total assets | 79.8807% | 5,770 |
| Equity capital to assets | 17.8577% | 354 |
| Core capital (leverage) ratio | 17.0524% | 363 |
| Tier 1 risk-based capital ratio | 27.7809% | 661 |
| Total risk-based capital ratio | 29.0336% | 643 |
| Memoranda: | ||
| Average total assets | $78,830,000 | 5,471 |
| Average earning assets | $73,619,000 | 5,411 |
| Average equity | $13,763,000 | 4,243 |
| Average total loans | $40,300,330 | 5,589 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 5,642 |
| Cost of funding earning assets | 0.6069% | 5,075 |
| Net interest margin | 3.4300% | 4,996 |
| Noninterest income to average assets | 0.3750% | 4,856 |
| Noninterest expense to average assets | 1.3783% | 7,125 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5810% | 891 |
| Return on assets (ROA) | 1.5810% | 998 |
| Pretax return on assets | 2.2043% | 537 |
| Return on Equity (ROE) | 9.1596% | 2,755 |
| Retained earnings to average equity (ytd only) | 9.0128% | 1,594 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4724% | 7,141 |
| Assets per employee ($millions) | 5.3499% | 1,835 |
| Cash dividends to net income (ytd only)* | 1.6026% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9179% | 2,624 |
| Loan loss allowance to noncurrent loans | 266.5505% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3576% | 5,988 |
| Noncurrent loans to loans | 0.7195% | 5,222 |
| Net loans and leases to total assets | 48.7526% | 5,463 |
| Net loans and leases to deposits | 60.4777% | 5,098 |
| Net loans and leases to core deposits | 61.2359% | 5,413 |
| Total domestic deposits to total assets | 80.6126% | 5,697 |
| Equity capital to assets | 17.1718% | 404 |
| Core capital (leverage) ratio | 16.9311% | 360 |
| Tier 1 risk-based capital ratio | 27.0343% | 727 |
| Total risk-based capital ratio | 28.2881% | 712 |
| Memoranda: | ||
| Average total assets | $78,937,000 | 5,515 |
| Average earning assets | $73,819,000 | 5,443 |
| Average equity | $13,625,000 | 4,273 |
| Average total loans | $40,589,500 | 5,618 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3669% | 5,549 |
| Cost of funding earning assets | 0.7642% | 5,105 |
| Net interest margin | 3.6027% | 4,721 |
| Noninterest income to average assets | 0.4676% | 4,075 |
| Noninterest expense to average assets | 1.9605% | 6,745 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3799% | 1,063 |
| Return on assets (ROA) | 1.3919% | 1,131 |
| Pretax return on assets | 1.8770% | 696 |
| Return on Equity (ROE) | 7.8388% | 2,992 |
| Retained earnings to average equity (ytd only) | 4.9173% | 2,702 |
| Net charge-offs to loans | -0.0331% | 7,013 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3047% | 6,751 |
| Assets per employee ($millions) | 5.1751% | 1,973 |
| Cash dividends to net income (ytd only)* | 37.2701% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8527% | 2,698 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 52.2067% | 5,282 |
| Net loans and leases to deposits | 64.9778% | 4,877 |
| Net loans and leases to core deposits | 65.5559% | 5,317 |
| Total domestic deposits to total assets | 80.3455% | 5,647 |
| Equity capital to assets | 17.3524% | 406 |
| Core capital (leverage) ratio | 16.8746% | 374 |
| Tier 1 risk-based capital ratio | 25.1463% | 854 |
| Total risk-based capital ratio | 26.3993% | 841 |
| Memoranda: | ||
| Average total assets | $74,214,400 | 5,635 |
| Average earning assets | $69,088,000 | 5,571 |
| Average equity | $13,178,000 | 4,310 |
| Average total loans | $39,294,000 | 5,723 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4172% | 5,553 |
| Cost of funding earning assets | 0.7909% | 5,207 |
| Net interest margin | 3.6263% | 4,673 |
| Noninterest income to average assets | 0.3798% | 4,815 |
| Noninterest expense to average assets | 1.8138% | 6,979 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3964% | 1,157 |
| Return on assets (ROA) | 1.4121% | 1,205 |
| Pretax return on assets | 1.9628% | 676 |
| Return on Equity (ROE) | 7.9052% | 3,075 |
| Retained earnings to average equity (ytd only) | 5.9314% | 2,598 |
| Net charge-offs to loans | -0.0378% | 7,003 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3059% | 6,945 |
| Assets per employee ($millions) | 5.0167% | 2,172 |
| Cash dividends to net income (ytd only)* | 24.9679% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8882% | 2,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 52.6850% | 5,361 |
| Net loans and leases to deposits | 66.0624% | 4,896 |
| Net loans and leases to core deposits | 66.6275% | 5,351 |
| Total domestic deposits to total assets | 79.7504% | 5,812 |
| Equity capital to assets | 17.8576% | 408 |
| Core capital (leverage) ratio | 17.1232% | 388 |
| Tier 1 risk-based capital ratio | 26.4342% | 795 |
| Total risk-based capital ratio | 27.6870% | 770 |
| Memoranda: | ||
| Average total assets | $73,361,500 | 5,704 |
| Average earning assets | $68,277,250 | 5,642 |
| Average equity | $13,105,000 | 4,326 |
| Average total loans | $38,794,750 | 5,800 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4616% | 5,483 |
| Cost of funding earning assets | 0.8096% | 5,306 |
| Net interest margin | 3.6521% | 4,514 |
| Noninterest income to average assets | 0.3657% | 4,953 |
| Noninterest expense to average assets | 1.7544% | 7,126 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4474% | 983 |
| Return on assets (ROA) | 1.4712% | 1,000 |
| Pretax return on assets | 2.0431% | 546 |
| Return on Equity (ROE) | 8.2346% | 2,842 |
| Retained earnings to average equity (ytd only) | 8.1576% | 1,405 |
| Net charge-offs to loans | -0.0366% | 6,969 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6034% | 7,130 |
| Assets per employee ($millions) | 4.8679% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.9346% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9528% | 2,499 |
| Loan loss allowance to noncurrent loans | 4,737.5000% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 7,053 |
| Noncurrent loans to loans | 0.0412% | 6,879 |
| Net loans and leases to total assets | 52.1228% | 5,549 |
| Net loans and leases to deposits | 65.7607% | 5,031 |
| Net loans and leases to core deposits | 66.0517% | 5,508 |
| Total domestic deposits to total assets | 79.2613% | 6,022 |
| Equity capital to assets | 18.2873% | 361 |
| Core capital (leverage) ratio | 17.7297% | 355 |
| Tier 1 risk-based capital ratio | 27.4711% | 697 |
| Total risk-based capital ratio | 28.7249% | 681 |
| Memoranda: | ||
| Average total assets | $72,731,670 | 5,760 |
| Average earning assets | $67,688,000 | 5,709 |
| Average equity | $12,994,000 | 4,346 |
| Average total loans | $38,256,670 | 5,875 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 5,608 |
| Cost of funding earning assets | 0.8210% | 5,457 |
| Net interest margin | 3.6029% | 4,555 |
| Noninterest income to average assets | 0.3472% | 5,130 |
| Noninterest expense to average assets | 1.7083% | 7,221 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4548% | 977 |
| Return on assets (ROA) | 1.4548% | 1,011 |
| Pretax return on assets | 2.0003% | 560 |
| Return on Equity (ROE) | 8.2407% | 2,809 |
| Retained earnings to average equity (ytd only) | 8.0846% | 1,701 |
| Net charge-offs to loans | 0.0105% | 4,944 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 363.0000% | 78 |
| Efficiency ratio | 46.0624% | 7,201 |
| Assets per employee ($millions) | 4.6158% | 2,704 |
| Cash dividends to net income (ytd only)* | 1.8939% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0119% | 2,384 |
| Loan loss allowance to noncurrent loans | 3,129.1667% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 7,088 |
| Noncurrent loans to loans | 0.0643% | 6,884 |
| Net loans and leases to total assets | 49.5268% | 5,905 |
| Net loans and leases to deposits | 61.8973% | 5,510 |
| Net loans and leases to core deposits | 62.9683% | 5,827 |
| Total domestic deposits to total assets | 80.0144% | 5,944 |
| Equity capital to assets | 17.5633% | 400 |
| Core capital (leverage) ratio | 17.2505% | 379 |
| Tier 1 risk-based capital ratio | 27.4390% | 673 |
| Total risk-based capital ratio | 28.6944% | 657 |
| Memoranda: | ||
| Average total assets | $72,588,500 | 5,802 |
| Average earning assets | $67,723,500 | 5,741 |
| Average equity | $12,814,500 | 4,380 |
| Average total loans | $37,976,500 | 5,941 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9274% | 4,891 |
| Cost of funding earning assets | 0.9145% | 6,109 |
| Net interest margin | 4.0129% | 2,961 |
| Noninterest income to average assets | 0.4547% | 4,483 |
| Noninterest expense to average assets | 2.0969% | 6,852 |
| Loan and lease loss provision to assets | 0.2503% | 4,791 |
| Net operating income to assets | 1.3905% | 967 |
| Return on assets (ROA) | 1.3905% | 1,039 |
| Pretax return on assets | 1.8355% | 709 |
| Return on Equity (ROE) | 8.0484% | 2,684 |
| Retained earnings to average equity (ytd only) | 6.9780% | 1,339 |
| Net charge-offs to loans | 0.3592% | 4,223 |
| Credit loss provision to net charge-offs | 128.5714% | 3,109 |
| Earnings coverage of net charge-offs (x) | 10.7143% | 1,679 |
| Efficiency ratio | 50.1330% | 7,116 |
| Assets per employee ($millions) | 4.7549% | 2,479 |
| Cash dividends to net income (ytd only)* | 13.3000% | 3,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9469% | 2,424 |
| Loan loss allowance to noncurrent loans | 15,040.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 7,244 |
| Noncurrent loans to loans | 0.0129% | 7,125 |
| Net loans and leases to total assets | 53.0999% | 5,766 |
| Net loans and leases to deposits | 66.5770% | 5,325 |
| Net loans and leases to core deposits | 71.5071% | 5,269 |
| Total domestic deposits to total assets | 79.7572% | 5,897 |
| Equity capital to assets | 17.7472% | 393 |
| Core capital (leverage) ratio | 17.1113% | 392 |
| Tier 1 risk-based capital ratio | 26.5945% | 697 |
| Total risk-based capital ratio | 27.8493% | 685 |
| Memoranda: | ||
| Average total assets | $71,915,000 | 5,816 |
| Average earning assets | $66,810,000 | 5,775 |
| Average equity | $12,424,800 | 4,499 |
| Average total loans | $38,974,800 | 5,968 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9662% | 4,966 |
| Cost of funding earning assets | 0.9366% | 6,240 |
| Net interest margin | 4.0295% | 2,957 |
| Noninterest income to average assets | 0.3793% | 5,121 |
| Noninterest expense to average assets | 1.8002% | 7,326 |
| Loan and lease loss provision to assets | 0.2220% | 4,837 |
| Net operating income to assets | 1.5116% | 905 |
| Return on assets (ROA) | 1.5116% | 983 |
| Pretax return on assets | 2.0981% | 505 |
| Return on Equity (ROE) | 8.8086% | 2,561 |
| Retained earnings to average equity (ytd only) | 8.6468% | 1,183 |
| Net charge-offs to loans | 0.4881% | 3,322 |
| Credit loss provision to net charge-offs | 83.9161% | 5,003 |
| Earnings coverage of net charge-offs (x) | 8.7693% | 2,112 |
| Efficiency ratio | 43.6911% | 7,473 |
| Assets per employee ($millions) | 4.6285% | 2,709 |
| Cash dividends to net income (ytd only)* | 1.8360% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 2,966 |
| Loan loss allowance to noncurrent loans | 4,921.4286% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 7,018 |
| Noncurrent loans to loans | 0.0356% | 7,160 |
| Net loans and leases to total assets | 55.6245% | 5,606 |
| Net loans and leases to deposits | 70.4148% | 5,085 |
| Net loans and leases to core deposits | 71.7252% | 5,546 |
| Total domestic deposits to total assets | 78.9955% | 6,020 |
| Equity capital to assets | 18.4810% | 376 |
| Core capital (leverage) ratio | 17.2321% | 409 |
| Tier 1 risk-based capital ratio | 26.3995% | 744 |
| Total risk-based capital ratio | 27.6516% | 725 |
| Memoranda: | ||
| Average total assets | $72,062,750 | 5,880 |
| Average earning assets | $66,904,500 | 5,832 |
| Average equity | $12,366,500 | 4,581 |
| Average total loans | $39,062,250 | 6,042 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9665% | 5,102 |
| Cost of funding earning assets | 0.9490% | 6,382 |
| Net interest margin | 4.0175% | 2,932 |
| Noninterest income to average assets | 0.3976% | 4,936 |
| Noninterest expense to average assets | 1.6698% | 7,524 |
| Loan and lease loss provision to assets | 0.1645% | 5,246 |
| Net operating income to assets | 1.6369% | 668 |
| Return on assets (ROA) | 1.6369% | 714 |
| Pretax return on assets | 2.2895% | 347 |
| Return on Equity (ROE) | 9.7775% | 2,183 |
| Retained earnings to average equity (ytd only) | 9.5319% | 958 |
| Net charge-offs to loans | 0.3335% | 3,662 |
| Credit loss provision to net charge-offs | 92.3077% | 4,354 |
| Earnings coverage of net charge-offs (x) | 13.7692% | 1,568 |
| Efficiency ratio | 40.4920% | 7,636 |
| Assets per employee ($millions) | 4.7679% | 2,486 |
| Cash dividends to net income (ytd only)* | 2.5126% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8024% | 2,710 |
| Loan loss allowance to noncurrent loans | 906.4103% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.2657% | 6,735 |
| Noncurrent loans to loans | 0.1988% | 6,859 |
| Net loans and leases to total assets | 53.8592% | 6,006 |
| Net loans and leases to deposits | 68.7030% | 5,460 |
| Net loans and leases to core deposits | 69.9506% | 5,873 |
| Total domestic deposits to total assets | 78.3943% | 6,179 |
| Equity capital to assets | 17.5285% | 471 |
| Core capital (leverage) ratio | 16.8044% | 462 |
| Tier 1 risk-based capital ratio | 25.6428% | 798 |
| Total risk-based capital ratio | 26.8956% | 785 |
| Memoranda: | ||
| Average total assets | $72,941,000 | 5,895 |
| Average earning assets | $67,653,670 | 5,839 |
| Average equity | $12,211,670 | 4,623 |
| Average total loans | $38,980,330 | 6,089 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9304% | 5,307 |
| Cost of funding earning assets | 0.9837% | 6,445 |
| Net interest margin | 3.9467% | 3,121 |
| Noninterest income to average assets | 0.3965% | 4,940 |
| Noninterest expense to average assets | 1.7379% | 7,538 |
| Loan and lease loss provision to assets | 0.1629% | 4,898 |
| Net operating income to assets | 1.6347% | 703 |
| Return on assets (ROA) | 1.6347% | 749 |
| Pretax return on assets | 2.1561% | 454 |
| Return on Equity (ROE) | 9.9921% | 2,105 |
| Retained earnings to average equity (ytd only) | 9.4942% | 1,271 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8380% | 7,656 |
| Assets per employee ($millions) | 4.8182% | 2,483 |
| Cash dividends to net income (ytd only)* | 4.9834% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 2,452 |
| Loan loss allowance to noncurrent loans | 570.7692% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 6,642 |
| Noncurrent loans to loans | 0.3325% | 6,632 |
| Net loans and leases to total assets | 53.0682% | 6,147 |
| Net loans and leases to deposits | 67.1099% | 5,698 |
| Net loans and leases to core deposits | 68.6106% | 6,044 |
| Total domestic deposits to total assets | 79.0766% | 6,061 |
| Equity capital to assets | 16.8943% | 546 |
| Core capital (leverage) ratio | 16.2620% | 538 |
| Tier 1 risk-based capital ratio | 24.8302% | 886 |
| Total risk-based capital ratio | 26.0841% | 860 |
| Memoranda: | ||
| Average total assets | $73,652,500 | 5,950 |
| Average earning assets | $68,310,500 | 5,892 |
| Average equity | $12,049,500 | 4,709 |
| Average total loans | $38,857,500 | 6,172 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1521% | 5,866 |
| Cost of funding earning assets | 1.3834% | 6,004 |
| Net interest margin | 3.7687% | 3,838 |
| Noninterest income to average assets | 0.4497% | 4,814 |
| Noninterest expense to average assets | 1.9173% | 7,478 |
| Loan and lease loss provision to assets | 0.1771% | 5,927 |
| Net operating income to assets | 1.3586% | 923 |
| Return on assets (ROA) | 1.3586% | 974 |
| Pretax return on assets | 1.8559% | 566 |
| Return on Equity (ROE) | 8.6761% | 2,134 |
| Retained earnings to average equity (ytd only) | 7.2228% | 895 |
| Net charge-offs to loans | 0.5211% | 3,692 |
| Credit loss provision to net charge-offs | 63.7255% | 6,587 |
| Earnings coverage of net charge-offs (x) | 7.3137% | 2,177 |
| Efficiency ratio | 48.5340% | 7,605 |
| Assets per employee ($millions) | 5.0021% | 2,213 |
| Cash dividends to net income (ytd only)* | 16.7503% | 3,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8437% | 2,420 |
| Loan loss allowance to noncurrent loans | 547.6923% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.2799% | 6,751 |
| Noncurrent loans to loans | 0.3366% | 6,606 |
| Net loans and leases to total assets | 50.5211% | 6,574 |
| Net loans and leases to deposits | 63.7007% | 6,307 |
| Net loans and leases to core deposits | 70.3623% | 6,745 |
| Total domestic deposits to total assets | 79.3102% | 5,897 |
| Equity capital to assets | 15.8452% | 722 |
| Core capital (leverage) ratio | 15.3116% | 719 |
| Tier 1 risk-based capital ratio | 24.1547% | 935 |
| Total risk-based capital ratio | 25.4067% | 911 |
| Memoranda: | ||
| Average total assets | $73,385,800 | 5,906 |
| Average earning assets | $68,166,800 | 5,863 |
| Average equity | $11,491,400 | 4,882 |
| Average total loans | $39,147,600 | 6,149 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2357% | 5,739 |
| Cost of funding earning assets | 1.4558% | 6,018 |
| Net interest margin | 3.7800% | 3,739 |
| Noninterest income to average assets | 0.3855% | 5,429 |
| Noninterest expense to average assets | 1.7303% | 7,729 |
| Loan and lease loss provision to assets | 0.0914% | 6,454 |
| Net operating income to assets | 1.4873% | 839 |
| Return on assets (ROA) | 1.4873% | 894 |
| Pretax return on assets | 2.0792% | 462 |
| Return on Equity (ROE) | 9.5269% | 2,088 |
| Retained earnings to average equity (ytd only) | 9.0587% | 830 |
| Net charge-offs to loans | 0.2953% | 4,178 |
| Credit loss provision to net charge-offs | 57.4713% | 6,208 |
| Earnings coverage of net charge-offs (x) | 13.6548% | 1,663 |
| Efficiency ratio | 44.3560% | 7,827 |
| Assets per employee ($millions) | 4.9409% | 2,218 |
| Cash dividends to net income (ytd only)* | 4.9138% | 3,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9117% | 2,003 |
| Loan loss allowance to noncurrent loans | 208.0556% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 5,968 |
| Noncurrent loans to loans | 0.9189% | 5,451 |
| Net loans and leases to total assets | 51.8526% | 6,612 |
| Net loans and leases to deposits | 65.6228% | 6,343 |
| Net loans and leases to core deposits | 72.8793% | 6,787 |
| Total domestic deposits to total assets | 79.0161% | 5,797 |
| Equity capital to assets | 16.0334% | 787 |
| Core capital (leverage) ratio | 15.3176% | 801 |
| Tier 1 risk-based capital ratio | 24.1568% | 988 |
| Total risk-based capital ratio | 25.4109% | 964 |
| Memoranda: | ||
| Average total assets | $72,974,250 | 5,954 |
| Average earning assets | $67,865,000 | 5,910 |
| Average equity | $11,392,000 | 4,950 |
| Average total loans | $39,279,750 | 6,187 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3484% | 5,405 |
| Cost of funding earning assets | 1.5218% | 6,051 |
| Net interest margin | 3.8266% | 3,430 |
| Noninterest income to average assets | 0.3692% | 5,556 |
| Noninterest expense to average assets | 1.6943% | 7,841 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5814% | 705 |
| Return on assets (ROA) | 1.5814% | 769 |
| Pretax return on assets | 2.2288% | 337 |
| Return on Equity (ROE) | 10.2241% | 1,937 |
| Retained earnings to average equity (ytd only) | 9.5117% | 811 |
| Net charge-offs to loans | 0.1628% | 4,578 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 25.2813% | 1,125 |
| Efficiency ratio | 43.1882% | 7,948 |
| Assets per employee ($millions) | 4.9683% | 2,112 |
| Cash dividends to net income (ytd only)* | 6.9686% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9608% | 1,651 |
| Loan loss allowance to noncurrent loans | 182.1256% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.6629% | 5,754 |
| Noncurrent loans to loans | 1.0766% | 5,054 |
| Net loans and leases to total assets | 50.5864% | 6,818 |
| Net loans and leases to deposits | 64.0421% | 6,558 |
| Net loans and leases to core deposits | 71.0230% | 6,964 |
| Total domestic deposits to total assets | 78.9893% | 5,816 |
| Equity capital to assets | 15.4474% | 939 |
| Core capital (leverage) ratio | 15.2542% | 868 |
| Tier 1 risk-based capital ratio | 24.0214% | 1,034 |
| Total risk-based capital ratio | 25.2759% | 1,009 |
| Memoranda: | ||
| Average total assets | $72,594,330 | 6,015 |
| Average earning assets | $67,422,330 | 5,967 |
| Average equity | $11,228,330 | 5,024 |
| Average total loans | $39,313,330 | 6,234 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4562% | 5,141 |
| Cost of funding earning assets | 1.6115% | 5,982 |
| Net interest margin | 3.8447% | 3,274 |
| Noninterest income to average assets | 0.3462% | 5,679 |
| Noninterest expense to average assets | 1.6362% | 7,879 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5859% | 804 |
| Return on assets (ROA) | 1.5859% | 884 |
| Pretax return on assets | 2.2672% | 387 |
| Return on Equity (ROE) | 10.2467% | 2,219 |
| Retained earnings to average equity (ytd only) | 8.8035% | 1,537 |
| Net charge-offs to loans | 0.3221% | 2,807 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 12.6875% | 1,784 |
| Efficiency ratio | 41.9170% | 8,000 |
| Assets per employee ($millions) | 4.8725% | 2,217 |
| Cash dividends to net income (ytd only)* | 14.0845% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8951% | 1,625 |
| Loan loss allowance to noncurrent loans | 1,753.4884% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 6,377 |
| Noncurrent loans to loans | 0.1081% | 7,223 |
| Net loans and leases to total assets | 53.4062% | 6,535 |
| Net loans and leases to deposits | 67.6611% | 6,215 |
| Net loans and leases to core deposits | 74.9597% | 6,747 |
| Total domestic deposits to total assets | 78.9320% | 5,755 |
| Equity capital to assets | 15.3721% | 991 |
| Core capital (leverage) ratio | 15.2717% | 907 |
| Tier 1 risk-based capital ratio | 23.6167% | 1,123 |
| Total risk-based capital ratio | 24.8718% | 1,101 |
| Memoranda: | ||
| Average total assets | $71,629,500 | 6,079 |
| Average earning assets | $66,273,500 | 6,030 |
| Average equity | $11,086,500 | 5,083 |
| Average total loans | $39,743,500 | 6,249 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0772% | 5,159 |
| Cost of funding earning assets | 2.3375% | 4,981 |
| Net interest margin | 3.7397% | 4,276 |
| Noninterest income to average assets | 0.6300% | 3,636 |
| Noninterest expense to average assets | 1.9535% | 7,533 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5365% | 950 |
| Return on assets (ROA) | 1.5365% | 920 |
| Pretax return on assets | 2.1117% | 475 |
| Return on Equity (ROE) | 9.9030% | 2,294 |
| Retained earnings to average equity (ytd only) | 7.3200% | 1,048 |
| Net charge-offs to loans | -0.0745% | 8,062 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0538% | 7,799 |
| Assets per employee ($millions) | 4.6781% | 2,361 |
| Cash dividends to net income (ytd only)* | 26.0828% | 4,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9798% | 1,263 |
| Loan loss allowance to noncurrent loans | 1,020.7792% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.4403% | 5,896 |
| Noncurrent loans to loans | 0.1940% | 6,811 |
| Net loans and leases to total assets | 55.4552% | 6,491 |
| Net loans and leases to deposits | 70.5155% | 6,217 |
| Net loans and leases to core deposits | 77.4531% | 6,773 |
| Total domestic deposits to total assets | 78.6425% | 5,503 |
| Equity capital to assets | 15.5874% | 1,028 |
| Core capital (leverage) ratio | 15.2609% | 968 |
| Tier 1 risk-based capital ratio | 22.9912% | 1,195 |
| Total risk-based capital ratio | 24.2471% | 1,168 |
| Memoranda: | ||
| Average total assets | $67,622,200 | 6,097 |
| Average earning assets | $62,117,400 | 6,082 |
| Average equity | $10,491,800 | 5,268 |
| Average total loans | $37,569,800 | 6,284 |