Home > Bank of Brookfield - Purdin > Performance and Condition Ratios
Bank of Brookfield - Purdin, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6171% | 4,338 |
| Cost of funding earning assets | 1.2687% | 2,605 |
| Net interest margin | 2.3484% | 4,224 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 1.6814% | 4,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6116% | 3,414 |
| Return on assets (ROA) | 0.6116% | 3,398 |
| Pretax return on assets | 0.6998% | 3,438 |
| Return on Equity (ROE) | 7.8200% | 3,076 |
| Retained earnings to average equity (ytd only) | 3.8723% | 3,005 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.6132% | 1,807 |
| Assets per employee ($millions) | 6.3212% | 2,532 |
| Cash dividends to net income (ytd only)* | 50.4505% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7848% | 554 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 19.2000% | 4,409 |
| Net loans and leases to deposits | 21.6956% | 4,417 |
| Net loans and leases to core deposits | 23.9150% | 4,439 |
| Total domestic deposits to total assets | 88.5100% | 1,203 |
| Equity capital to assets | 9.0154% | 2,668 |
| Core capital (leverage) ratio | 11.4321% | 1,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4614% | 196 |
| Memoranda: | ||
| Average total assets | $108,894,800 | 3,752 |
| Average earning assets | $104,753,000 | 3,697 |
| Average equity | $8,522,000 | 3,876 |
| Average total loans | $21,125,800 | 4,278 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4951% | 4,388 |
| Cost of funding earning assets | 1.1853% | 2,473 |
| Net interest margin | 2.3098% | 4,301 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 1.6170% | 4,224 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6419% | 3,445 |
| Return on assets (ROA) | 0.6419% | 3,438 |
| Pretax return on assets | 0.7225% | 3,502 |
| Return on Equity (ROE) | 8.5200% | 3,052 |
| Retained earnings to average equity (ytd only) | 6.9658% | 2,298 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.1184% | 1,885 |
| Assets per employee ($millions) | 6.3277% | 2,473 |
| Cash dividends to net income (ytd only)* | 18.2510% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7973% | 570 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 19.0500% | 4,437 |
| Net loans and leases to deposits | 21.2965% | 4,445 |
| Net loans and leases to core deposits | 23.4434% | 4,430 |
| Total domestic deposits to total assets | 89.4400% | 1,099 |
| Equity capital to assets | 7.8943% | 3,125 |
| Core capital (leverage) ratio | 11.4813% | 1,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.6449% | 199 |
| Memoranda: | ||
| Average total assets | $109,253,250 | 3,761 |
| Average earning assets | $105,172,250 | 3,707 |
| Average equity | $8,230,500 | 3,909 |
| Average total loans | $21,154,500 | 4,295 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3227% | 4,453 |
| Cost of funding earning assets | 1.0679% | 2,386 |
| Net interest margin | 2.2548% | 4,388 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 1.5717% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6484% | 3,465 |
| Return on assets (ROA) | 0.6484% | 3,472 |
| Pretax return on assets | 0.7139% | 3,576 |
| Return on Equity (ROE) | 8.7400% | 3,050 |
| Retained earnings to average equity (ytd only) | 6.3856% | 2,484 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.7649% | 1,890 |
| Assets per employee ($millions) | 6.4006% | 2,385 |
| Cash dividends to net income (ytd only)* | 26.9663% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7746% | 650 |
| 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 | 19.0800% | 4,465 |
| Net loans and leases to deposits | 21.3712% | 4,467 |
| Net loans and leases to core deposits | 22.6047% | 4,462 |
| Total domestic deposits to total assets | 89.2600% | 1,155 |
| Equity capital to assets | 8.1794% | 3,100 |
| Core capital (leverage) ratio | 11.7745% | 1,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.6470% | 185 |
| Memoranda: | ||
| Average total assets | $109,814,000 | 3,774 |
| Average earning assets | $105,816,667 | 3,713 |
| Average equity | $8,143,333 | 3,938 |
| Average total loans | $21,251,000 | 4,313 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2147% | 4,481 |
| Cost of funding earning assets | 0.9689% | 2,157 |
| Net interest margin | 2.2458% | 4,476 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.6172% | 4,286 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6490% | 3,586 |
| Return on assets (ROA) | 0.6490% | 3,544 |
| Pretax return on assets | 0.6490% | 3,759 |
| Return on Equity (ROE) | 9.2200% | 2,990 |
| Retained earnings to average equity (ytd only) | 4.2756% | 3,190 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.3600% | 1,591 |
| Assets per employee ($millions) | 6.2038% | 2,578 |
| Cash dividends to net income (ytd only)* | 53.6313% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8540% | 594 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 18.8200% | 4,529 |
| Net loans and leases to deposits | 21.0377% | 4,533 |
| Net loans and leases to core deposits | 22.1529% | 4,523 |
| Total domestic deposits to total assets | 89.4700% | 1,352 |
| Equity capital to assets | 7.7229% | 3,430 |
| Core capital (leverage) ratio | 11.3757% | 1,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.3003% | 189 |
| Memoranda: | ||
| Average total assets | $110,316,000 | 3,821 |
| Average earning assets | $106,511,000 | 3,754 |
| Average equity | $7,765,000 | 4,023 |
| Average total loans | $21,310,500 | 4,373 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3884% | 4,538 |
| Cost of funding earning assets | 0.3046% | 2,836 |
| Net interest margin | 2.0838% | 4,528 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.6857% | 4,203 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6730% | 3,698 |
| Return on assets (ROA) | 0.6739% | 3,642 |
| Pretax return on assets | 0.6739% | 3,904 |
| Return on Equity (ROE) | 8.6100% | 3,227 |
| Retained earnings to average equity (ytd only) | 4.7131% | 3,166 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.4672% | 1,504 |
| Assets per employee ($millions) | 6.3982% | 2,421 |
| Cash dividends to net income (ytd only)* | 45.2703% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6745% | 833 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 19.1200% | 4,557 |
| Net loans and leases to deposits | 21.0317% | 4,566 |
| Net loans and leases to core deposits | 22.0202% | 4,552 |
| Total domestic deposits to total assets | 90.9100% | 991 |
| Equity capital to assets | 6.4124% | 3,933 |
| Core capital (leverage) ratio | 11.5380% | 1,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.3952% | 201 |
| Memoranda: | ||
| Average total assets | $109,803,600 | 3,838 |
| Average earning assets | $105,719,800 | 3,775 |
| Average equity | $8,593,000 | 4,037 |
| Average total loans | $21,576,200 | 4,386 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2481% | 4,551 |
| Cost of funding earning assets | 0.2133% | 3,110 |
| Net interest margin | 2.0348% | 4,542 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 1.6509% | 4,240 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7302% | 3,479 |
| Return on assets (ROA) | 0.7314% | 3,425 |
| Pretax return on assets | 0.7314% | 3,735 |
| Return on Equity (ROE) | 8.9200% | 3,051 |
| Retained earnings to average equity (ytd only) | 6.0407% | 2,739 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.3340% | 1,845 |
| Assets per employee ($millions) | 5.7952% | 2,934 |
| Cash dividends to net income (ytd only)* | 32.2689% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7588% | 790 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 20.0800% | 4,593 |
| Net loans and leases to deposits | 22.5112% | 4,597 |
| Net loans and leases to core deposits | 22.7434% | 4,592 |
| Total domestic deposits to total assets | 89.2000% | 2,002 |
| Equity capital to assets | 6.4392% | 3,771 |
| Core capital (leverage) ratio | 11.1888% | 1,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.1424% | 199 |
| Memoranda: | ||
| Average total assets | $108,462,750 | 3,870 |
| Average earning assets | $104,381,000 | 3,813 |
| Average equity | $8,895,000 | 4,047 |
| Average total loans | $21,371,500 | 4,422 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0585% | 4,606 |
| Cost of funding earning assets | 0.1627% | 3,410 |
| Net interest margin | 1.8958% | 4,600 |
| Noninterest income to average assets | 0.1329% | 4,343 |
| Noninterest expense to average assets | 1.6277% | 4,268 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3296% | 4,236 |
| Return on assets (ROA) | 0.3314% | 4,186 |
| Pretax return on assets | 0.3314% | 4,256 |
| Return on Equity (ROE) | 3.7834% | 4,074 |
| Retained earnings to average equity (ytd only) | 1.1225% | 3,970 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1628% | 728 |
| Assets per employee ($millions) | 5.3275% | 3,404 |
| Cash dividends to net income (ytd only)* | 70.3297% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7167% | 938 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 19.1897% | 4,661 |
| Net loans and leases to deposits | 22.1081% | 4,662 |
| Net loans and leases to core deposits | 22.3266% | 4,662 |
| Total domestic deposits to total assets | 86.7990% | 3,009 |
| Equity capital to assets | 7.1283% | 3,702 |
| Core capital (leverage) ratio | 10.5425% | 1,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4822% | 187 |
| Memoranda: | ||
| Average total assets | $109,845,667 | 3,901 |
| Average earning assets | $105,708,667 | 3,849 |
| Average equity | $9,621,000 | 4,039 |
| Average total loans | $21,388,333 | 4,473 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9502% | 4,626 |
| Cost of funding earning assets | 0.1565% | 3,413 |
| Net interest margin | 1.7938% | 4,622 |
| Noninterest income to average assets | 0.1176% | 4,417 |
| Noninterest expense to average assets | 1.6944% | 4,140 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1507% | 4,405 |
| Return on assets (ROA) | 0.1507% | 4,372 |
| Pretax return on assets | 0.1507% | 4,387 |
| Return on Equity (ROE) | 1.5703% | 4,332 |
| Retained earnings to average equity (ytd only) | -0.8809% | 4,129 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8327% | 471 |
| Assets per employee ($millions) | 5.8346% | 2,963 |
| Cash dividends to net income (ytd only)* | 156.0976% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8359% | 825 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 18.0873% | 4,690 |
| Net loans and leases to deposits | 21.2926% | 4,687 |
| Net loans and leases to core deposits | 21.5679% | 4,691 |
| Total domestic deposits to total assets | 84.9464% | 3,543 |
| Equity capital to assets | 8.3296% | 3,302 |
| Core capital (leverage) ratio | 10.5772% | 1,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.2021% | 163 |
| Memoranda: | ||
| Average total assets | $108,829,500 | 3,928 |
| Average earning assets | $104,808,000 | 3,874 |
| Average equity | $10,444,000 | 4,007 |
| Average total loans | $21,160,500 | 4,495 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6833% | 4,330 |
| Cost of funding earning assets | 0.2084% | 3,386 |
| Net interest margin | 2.4749% | 4,222 |
| Noninterest income to average assets | 0.1474% | 4,417 |
| Noninterest expense to average assets | 1.7930% | 4,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7004% | 3,627 |
| Return on assets (ROA) | 0.7072% | 3,660 |
| Pretax return on assets | 0.7072% | 3,914 |
| Return on Equity (ROE) | 6.1270% | 3,751 |
| Retained earnings to average equity (ytd only) | 2.2788% | 3,898 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9088% | 1,524 |
| Assets per employee ($millions) | 5.3401% | 3,426 |
| Cash dividends to net income (ytd only)* | 62.8065% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7127% | 1,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 20.1494% | 4,714 |
| Net loans and leases to deposits | 24.7912% | 4,705 |
| Net loans and leases to core deposits | 25.1393% | 4,706 |
| Total domestic deposits to total assets | 81.2766% | 4,069 |
| Equity capital to assets | 10.9118% | 1,848 |
| Core capital (leverage) ratio | 10.7253% | 1,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4308% | 181 |
| Memoranda: | ||
| Average total assets | $103,792,800 | 3,957 |
| Average earning assets | $98,387,600 | 3,922 |
| Average equity | $11,979,800 | 3,931 |
| Average total loans | $22,634,200 | 4,521 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9048% | 4,166 |
| Cost of funding earning assets | 0.2218% | 3,404 |
| Net interest margin | 2.6831% | 4,009 |
| Noninterest income to average assets | 0.1410% | 4,497 |
| Noninterest expense to average assets | 1.7313% | 4,280 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9459% | 3,098 |
| Return on assets (ROA) | 0.9549% | 3,145 |
| Pretax return on assets | 0.9549% | 3,576 |
| Return on Equity (ROE) | 8.1582% | 3,357 |
| Retained earnings to average equity (ytd only) | 4.3333% | 3,466 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6689% | 2,290 |
| Assets per employee ($millions) | 5.5852% | 3,107 |
| Cash dividends to net income (ytd only)* | 46.8835% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7563% | 1,005 |
| Loan loss allowance to noncurrent loans | 1,973.6842% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 4,085 |
| Noncurrent loans to loans | 0.0890% | 3,636 |
| Net loans and leases to total assets | 19.7674% | 4,801 |
| Net loans and leases to deposits | 24.4892% | 4,784 |
| Net loans and leases to core deposits | 24.5612% | 4,789 |
| Total domestic deposits to total assets | 80.7188% | 4,125 |
| Equity capital to assets | 11.4739% | 1,700 |
| Core capital (leverage) ratio | 11.0976% | 1,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.1176% | 165 |
| Memoranda: | ||
| Average total assets | $103,040,500 | 4,018 |
| Average earning assets | $97,398,750 | 3,981 |
| Average equity | $12,061,250 | 3,977 |
| Average total loans | $22,819,000 | 4,576 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7802% | 4,373 |
| Cost of funding earning assets | 0.2437% | 3,339 |
| Net interest margin | 2.5366% | 4,264 |
| Noninterest income to average assets | 0.1353% | 4,523 |
| Noninterest expense to average assets | 1.7743% | 4,237 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7489% | 3,645 |
| Return on assets (ROA) | 0.7626% | 3,675 |
| Pretax return on assets | 0.7626% | 3,941 |
| Return on Equity (ROE) | 6.4709% | 3,794 |
| Retained earnings to average equity (ytd only) | 2.6449% | 3,957 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3186% | 1,594 |
| Assets per employee ($millions) | 5.5400% | 3,079 |
| Cash dividends to net income (ytd only)* | 59.1260% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 1,203 |
| Loan loss allowance to noncurrent loans | 1,875.0000% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 4,157 |
| Noncurrent loans to loans | 0.0872% | 3,745 |
| Net loans and leases to total assets | 21.4288% | 4,812 |
| Net loans and leases to deposits | 26.6364% | 4,805 |
| Net loans and leases to core deposits | 26.7156% | 4,814 |
| Total domestic deposits to total assets | 80.4494% | 4,161 |
| Equity capital to assets | 11.4022% | 1,697 |
| Core capital (leverage) ratio | 10.8020% | 1,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.9656% | 175 |
| Memoranda: | ||
| Average total assets | $102,014,333 | 4,048 |
| Average earning assets | $96,035,000 | 4,019 |
| Average equity | $12,023,000 | 3,983 |
| Average total loans | $23,308,000 | 4,602 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6661% | 4,514 |
| Cost of funding earning assets | 0.2721% | 3,247 |
| Net interest margin | 2.3940% | 4,417 |
| Noninterest income to average assets | 0.1195% | 4,594 |
| Noninterest expense to average assets | 1.7571% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6056% | 3,929 |
| Return on assets (ROA) | 0.6335% | 3,923 |
| Pretax return on assets | 0.6335% | 4,138 |
| Return on Equity (ROE) | 5.2852% | 4,030 |
| Retained earnings to average equity (ytd only) | 1.4626% | 4,129 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3676% | 1,275 |
| Assets per employee ($millions) | 5.9190% | 2,676 |
| Cash dividends to net income (ytd only)* | 72.3270% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6108% | 1,260 |
| Loan loss allowance to noncurrent loans | 1,875.0000% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 4,239 |
| Noncurrent loans to loans | 0.0859% | 3,877 |
| Net loans and leases to total assets | 21.4995% | 4,841 |
| Net loans and leases to deposits | 26.6612% | 4,830 |
| Net loans and leases to core deposits | 26.7394% | 4,842 |
| Total domestic deposits to total assets | 80.6396% | 4,116 |
| Equity capital to assets | 11.1365% | 1,765 |
| Core capital (leverage) ratio | 11.2624% | 1,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.0656% | 160 |
| Memoranda: | ||
| Average total assets | $100,391,500 | 4,070 |
| Average earning assets | $94,068,500 | 4,049 |
| Average equity | $12,033,500 | 3,996 |
| Average total loans | $23,496,500 | 4,626 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0665% | 4,587 |
| Cost of funding earning assets | 0.5138% | 2,861 |
| Net interest margin | 2.5527% | 4,540 |
| Noninterest income to average assets | 0.1731% | 4,420 |
| Noninterest expense to average assets | 1.8474% | 4,396 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7364% | 3,313 |
| Return on assets (ROA) | 0.7474% | 3,394 |
| Pretax return on assets | 0.7573% | 3,746 |
| Return on Equity (ROE) | 5.7108% | 3,678 |
| Retained earnings to average equity (ytd only) | 2.4174% | 3,654 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2282% | 1,780 |
| Assets per employee ($millions) | 4.9601% | 3,431 |
| Cash dividends to net income (ytd only)* | 57.6696% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 1,349 |
| Loan loss allowance to noncurrent loans | 1,875.0000% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 4,290 |
| Noncurrent loans to loans | 0.0843% | 3,955 |
| Net loans and leases to total assets | 24.7631% | 4,842 |
| Net loans and leases to deposits | 31.6937% | 4,815 |
| Net loans and leases to core deposits | 31.8021% | 4,834 |
| Total domestic deposits to total assets | 78.1327% | 4,304 |
| Equity capital to assets | 12.9477% | 1,108 |
| Core capital (leverage) ratio | 12.0845% | 1,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1354% | 161 |
| Memoranda: | ||
| Average total assets | $90,719,800 | 4,112 |
| Average earning assets | $86,026,800 | 4,075 |
| Average equity | $11,872,200 | 3,988 |
| Average total loans | $24,340,400 | 4,629 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1080% | 4,661 |
| Cost of funding earning assets | 0.5478% | 2,945 |
| Net interest margin | 2.5602% | 4,610 |
| Noninterest income to average assets | 0.1351% | 4,622 |
| Noninterest expense to average assets | 1.8239% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7422% | 3,309 |
| Return on assets (ROA) | 0.7569% | 3,373 |
| Pretax return on assets | 0.7673% | 3,737 |
| Return on Equity (ROE) | 5.7676% | 3,629 |
| Retained earnings to average equity (ytd only) | 2.6576% | 3,663 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7949% | 1,773 |
| Assets per employee ($millions) | 4.8087% | 3,481 |
| Cash dividends to net income (ytd only)* | 53.9216% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 1,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 27.3975% | 4,861 |
| Net loans and leases to deposits | 35.5109% | 4,831 |
| Net loans and leases to core deposits | 35.5109% | 4,854 |
| Total domestic deposits to total assets | 77.1523% | 4,304 |
| Equity capital to assets | 13.3014% | 1,067 |
| Core capital (leverage) ratio | 12.2494% | 1,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.1154% | 164 |
| Memoranda: | ||
| Average total assets | $89,839,500 | 4,124 |
| Average earning assets | $85,668,250 | 4,090 |
| Average equity | $11,789,750 | 4,004 |
| Average total loans | $24,497,500 | 4,656 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2242% | 4,699 |
| Cost of funding earning assets | 0.5884% | 3,025 |
| Net interest margin | 2.6358% | 4,621 |
| Noninterest income to average assets | 0.1321% | 4,644 |
| Noninterest expense to average assets | 1.8538% | 4,477 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7746% | 3,138 |
| Return on assets (ROA) | 0.7746% | 3,249 |
| Pretax return on assets | 0.7858% | 3,631 |
| Return on Equity (ROE) | 5.9304% | 3,535 |
| Retained earnings to average equity (ytd only) | 2.5881% | 3,552 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2290% | 1,925 |
| Assets per employee ($millions) | 4.8723% | 3,340 |
| Cash dividends to net income (ytd only)* | 56.3584% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 1,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 27.7551% | 4,894 |
| Net loans and leases to deposits | 35.6455% | 4,869 |
| Net loans and leases to core deposits | 35.6455% | 4,886 |
| Total domestic deposits to total assets | 77.8642% | 4,204 |
| Equity capital to assets | 12.9216% | 1,203 |
| Core capital (leverage) ratio | 12.2571% | 1,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.8867% | 175 |
| Memoranda: | ||
| Average total assets | $89,330,667 | 4,141 |
| Average earning assets | $84,983,333 | 4,099 |
| Average equity | $11,668,667 | 4,023 |
| Average total loans | $24,194,333 | 4,684 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3687% | 4,759 |
| Cost of funding earning assets | 0.6575% | 3,130 |
| Net interest margin | 2.7112% | 4,662 |
| Noninterest income to average assets | 0.1414% | 4,656 |
| Noninterest expense to average assets | 1.9428% | 4,503 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7935% | 2,932 |
| Return on assets (ROA) | 0.7935% | 3,019 |
| Pretax return on assets | 0.7935% | 3,429 |
| Return on Equity (ROE) | 6.0406% | 3,303 |
| Retained earnings to average equity (ytd only) | 2.0483% | 3,432 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0000% | 2,218 |
| Assets per employee ($millions) | 5.2345% | 2,388 |
| Cash dividends to net income (ytd only)* | 66.0920% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6667% | 923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 24.8621% | 4,969 |
| Net loans and leases to deposits | 32.1229% | 4,950 |
| Net loans and leases to core deposits | 32.1229% | 4,962 |
| Total domestic deposits to total assets | 77.3967% | 4,310 |
| Equity capital to assets | 13.0255% | 1,416 |
| Core capital (leverage) ratio | 12.6759% | 1,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1153% | 184 |
| Memoranda: | ||
| Average total assets | $87,709,000 | 4,161 |
| Average earning assets | $83,949,000 | 4,108 |
| Average equity | $11,522,000 | 4,065 |
| Average total loans | $23,257,000 | 4,739 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4403% | 4,895 |
| Cost of funding earning assets | 0.6453% | 3,436 |
| Net interest margin | 2.7949% | 4,763 |
| Noninterest income to average assets | 0.1602% | 4,692 |
| Noninterest expense to average assets | 1.9634% | 4,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8861% | 3,266 |
| Return on assets (ROA) | 0.8861% | 3,347 |
| Pretax return on assets | 0.8861% | 3,780 |
| Return on Equity (ROE) | 7.1519% | 3,497 |
| Retained earnings to average equity (ytd only) | 2.0154% | 3,994 |
| Net charge-offs to loans | -0.0085% | 4,426 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9027% | 2,327 |
| Assets per employee ($millions) | 4.5490% | 3,158 |
| Cash dividends to net income (ytd only)* | 71.8204% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5615% | 1,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 27.3513% | 5,007 |
| Net loans and leases to deposits | 35.2132% | 4,986 |
| Net loans and leases to core deposits | 35.2132% | 5,005 |
| Total domestic deposits to total assets | 77.6735% | 4,409 |
| Equity capital to assets | 13.2510% | 1,391 |
| Core capital (leverage) ratio | 12.6448% | 1,411 |
| Tier 1 risk-based capital ratio | 33.5719% | 370 |
| Total risk-based capital ratio | 34.7093% | 370 |
| Memoranda: | ||
| Average total assets | $90,505,400 | 4,144 |
| Average earning assets | $87,086,400 | 4,081 |
| Average equity | $11,213,800 | 4,090 |
| Average total loans | $23,521,800 | 4,792 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4453% | 4,990 |
| Cost of funding earning assets | 0.6400% | 3,501 |
| Net interest margin | 2.8053% | 4,857 |
| Noninterest income to average assets | 0.1530% | 4,782 |
| Noninterest expense to average assets | 1.9026% | 4,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9513% | 3,164 |
| Return on assets (ROA) | 0.9513% | 3,238 |
| Pretax return on assets | 0.9513% | 3,734 |
| Return on Equity (ROE) | 7.8056% | 3,385 |
| Retained earnings to average equity (ytd only) | 3.6697% | 3,564 |
| Net charge-offs to loans | -0.0114% | 4,416 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 2,644 |
| Assets per employee ($millions) | 4.4176% | 3,322 |
| Cash dividends to net income (ytd only)* | 52.9863% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6442% | 914 |
| Loan loss allowance to noncurrent loans | 1,704.5455% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 4,616 |
| Noncurrent loans to loans | 0.0965% | 4,212 |
| Net loans and leases to total assets | 25.3908% | 5,115 |
| Net loans and leases to deposits | 32.7609% | 5,100 |
| Net loans and leases to core deposits | 32.7609% | 5,116 |
| Total domestic deposits to total assets | 77.5034% | 4,442 |
| Equity capital to assets | 13.1566% | 1,537 |
| Core capital (leverage) ratio | 12.6443% | 1,507 |
| Tier 1 risk-based capital ratio | 35.0111% | 343 |
| Total risk-based capital ratio | 36.1887% | 342 |
| Memoranda: | ||
| Average total assets | $91,524,000 | 4,168 |
| Average earning assets | $88,117,500 | 4,118 |
| Average equity | $11,154,000 | 4,137 |
| Average total loans | $23,398,500 | 4,864 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4347% | 5,057 |
| Cost of funding earning assets | 0.6169% | 3,565 |
| Net interest margin | 2.8177% | 4,909 |
| Noninterest income to average assets | 0.1426% | 4,857 |
| Noninterest expense to average assets | 1.8989% | 4,749 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9570% | 3,074 |
| Return on assets (ROA) | 0.9570% | 3,146 |
| Pretax return on assets | 0.9570% | 3,689 |
| Return on Equity (ROE) | 8.0565% | 3,268 |
| Retained earnings to average equity (ytd only) | 3.8737% | 3,307 |
| Net charge-offs to loans | -0.0170% | 4,494 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4902% | 2,752 |
| Assets per employee ($millions) | 4.3228% | 3,407 |
| Cash dividends to net income (ytd only)* | 51.9187% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5991% | 1,028 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 25.4189% | 5,162 |
| Net loans and leases to deposits | 32.5656% | 5,144 |
| Net loans and leases to core deposits | 32.7537% | 5,160 |
| Total domestic deposits to total assets | 78.0544% | 4,385 |
| Equity capital to assets | 12.5833% | 1,812 |
| Core capital (leverage) ratio | 11.7134% | 2,010 |
| Tier 1 risk-based capital ratio | 33.8301% | 366 |
| Total risk-based capital ratio | 34.9777% | 361 |
| Memoranda: | ||
| Average total assets | $92,581,670 | 4,181 |
| Average earning assets | $89,149,330 | 4,132 |
| Average equity | $10,997,330 | 4,173 |
| Average total loans | $23,595,330 | 4,899 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3222% | 5,163 |
| Cost of funding earning assets | 0.5818% | 3,671 |
| Net interest margin | 2.7403% | 5,036 |
| Noninterest income to average assets | 0.1284% | 4,961 |
| Noninterest expense to average assets | 1.8870% | 4,816 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8814% | 3,304 |
| Return on assets (ROA) | 0.8814% | 3,357 |
| Pretax return on assets | 0.8814% | 3,825 |
| Return on Equity (ROE) | 7.6406% | 3,406 |
| Retained earnings to average equity (ytd only) | 3.3752% | 3,569 |
| Net charge-offs to loans | -0.0338% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1607% | 2,619 |
| Assets per employee ($millions) | 5.0058% | 2,509 |
| Cash dividends to net income (ytd only)* | 55.8252% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6073% | 1,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 24.1360% | 5,236 |
| Net loans and leases to deposits | 31.6818% | 5,198 |
| Net loans and leases to core deposits | 31.8603% | 5,214 |
| Total domestic deposits to total assets | 76.1826% | 4,741 |
| Equity capital to assets | 11.5370% | 2,367 |
| Core capital (leverage) ratio | 11.7238% | 1,961 |
| Tier 1 risk-based capital ratio | 33.4649% | 370 |
| Total risk-based capital ratio | 34.6127% | 362 |
| Memoranda: | ||
| Average total assets | $93,483,000 | 4,212 |
| Average earning assets | $90,061,500 | 4,142 |
| Average equity | $10,784,500 | 4,226 |
| Average total loans | $23,668,000 | 4,953 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0947% | 5,193 |
| Cost of funding earning assets | 0.3901% | 4,047 |
| Net interest margin | 2.7046% | 5,095 |
| Noninterest income to average assets | 0.1610% | 4,916 |
| Noninterest expense to average assets | 1.8387% | 4,964 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9139% | 3,389 |
| Return on assets (ROA) | 0.9139% | 3,377 |
| Pretax return on assets | 0.9139% | 3,855 |
| Return on Equity (ROE) | 8.0479% | 3,415 |
| Retained earnings to average equity (ytd only) | 2.5685% | 4,114 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7975% | 2,740 |
| Assets per employee ($millions) | 4.8345% | 2,692 |
| Cash dividends to net income (ytd only)* | 68.0851% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 1,137 |
| Loan loss allowance to noncurrent loans | 1,621.7391% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 4,745 |
| Noncurrent loans to loans | 0.0958% | 4,312 |
| Net loans and leases to total assets | 25.7275% | 5,259 |
| Net loans and leases to deposits | 32.5071% | 5,239 |
| Net loans and leases to core deposits | 32.6892% | 5,252 |
| Total domestic deposits to total assets | 79.1443% | 4,282 |
| Equity capital to assets | 11.5356% | 2,232 |
| Core capital (leverage) ratio | 11.8069% | 1,868 |
| Tier 1 risk-based capital ratio | 33.2658% | 359 |
| Total risk-based capital ratio | 34.4102% | 352 |
| Memoranda: | ||
| Average total assets | $92,566,000 | 4,229 |
| Average earning assets | $88,700,000 | 4,172 |
| Average equity | $10,512,000 | 4,232 |
| Average total loans | $24,140,600 | 4,967 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0199% | 5,279 |
| Cost of funding earning assets | 0.3529% | 4,166 |
| Net interest margin | 2.6670% | 5,189 |
| Noninterest income to average assets | 0.1524% | 5,015 |
| Noninterest expense to average assets | 1.8071% | 5,029 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8899% | 3,582 |
| Return on assets (ROA) | 0.8884% | 3,592 |
| Pretax return on assets | 0.8971% | 4,031 |
| Return on Equity (ROE) | 7.8542% | 3,604 |
| Retained earnings to average equity (ytd only) | 3.4695% | 4,033 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7906% | 2,753 |
| Assets per employee ($millions) | 4.5700% | 3,014 |
| Cash dividends to net income (ytd only)* | 55.8254% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5615% | 1,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 25.7276% | 5,325 |
| Net loans and leases to deposits | 32.7959% | 5,318 |
| Net loans and leases to core deposits | 32.7959% | 5,329 |
| Total domestic deposits to total assets | 78.4475% | 4,412 |
| Equity capital to assets | 11.4639% | 2,290 |
| Core capital (leverage) ratio | 11.8535% | 1,875 |
| Tier 1 risk-based capital ratio | 33.2750% | 359 |
| Total risk-based capital ratio | 34.4195% | 359 |
| Memoranda: | ||
| Average total assets | $92,743,750 | 4,271 |
| Average earning assets | $88,787,000 | 4,208 |
| Average equity | $10,491,000 | 4,275 |
| Average total loans | $24,174,500 | 5,023 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9452% | 5,351 |
| Cost of funding earning assets | 0.3120% | 4,331 |
| Net interest margin | 2.6332% | 5,258 |
| Noninterest income to average assets | 0.1502% | 5,073 |
| Noninterest expense to average assets | 1.8006% | 5,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8541% | 3,656 |
| Return on assets (ROA) | 0.8520% | 3,667 |
| Pretax return on assets | 0.8649% | 4,068 |
| Return on Equity (ROE) | 7.5653% | 3,696 |
| Retained earnings to average equity (ytd only) | 3.1824% | 3,977 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4980% | 2,727 |
| Assets per employee ($millions) | 4.4549% | 3,196 |
| Cash dividends to net income (ytd only)* | 57.9345% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 1,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 24.9837% | 5,400 |
| Net loans and leases to deposits | 31.6634% | 5,378 |
| Net loans and leases to core deposits | 31.6634% | 5,389 |
| Total domestic deposits to total assets | 78.9039% | 4,441 |
| Equity capital to assets | 11.2567% | 2,398 |
| Core capital (leverage) ratio | 11.6414% | 1,949 |
| Tier 1 risk-based capital ratio | 33.2590% | 365 |
| Total risk-based capital ratio | 34.4142% | 361 |
| Memoranda: | ||
| Average total assets | $93,191,670 | 4,292 |
| Average earning assets | $89,093,330 | 4,239 |
| Average equity | $10,495,330 | 4,307 |
| Average total loans | $24,270,000 | 5,079 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9191% | 5,407 |
| Cost of funding earning assets | 0.2793% | 4,511 |
| Net interest margin | 2.6398% | 5,295 |
| Noninterest income to average assets | 0.1548% | 5,089 |
| Noninterest expense to average assets | 1.9009% | 5,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7611% | 3,871 |
| Return on assets (ROA) | 0.7569% | 3,885 |
| Pretax return on assets | 0.7698% | 4,222 |
| Return on Equity (ROE) | 6.7192% | 3,899 |
| Retained earnings to average equity (ytd only) | 2.3288% | 4,234 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0611% | 2,323 |
| Assets per employee ($millions) | 4.4593% | 3,223 |
| Cash dividends to net income (ytd only)* | 65.3409% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5908% | 1,180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 24.6407% | 5,455 |
| Net loans and leases to deposits | 31.1542% | 5,433 |
| Net loans and leases to core deposits | 31.1542% | 5,444 |
| Total domestic deposits to total assets | 79.0925% | 4,564 |
| Equity capital to assets | 11.1153% | 2,466 |
| Core capital (leverage) ratio | 11.4120% | 2,077 |
| Tier 1 risk-based capital ratio | 32.7563% | 384 |
| Total risk-based capital ratio | 33.9052% | 379 |
| Memoranda: | ||
| Average total assets | $93,011,000 | 4,346 |
| Average earning assets | $88,795,000 | 4,286 |
| Average equity | $10,477,500 | 4,353 |
| Average total loans | $24,532,000 | 5,126 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8040% | 5,460 |
| Cost of funding earning assets | 0.2321% | 4,714 |
| Net interest margin | 2.5719% | 5,370 |
| Noninterest income to average assets | 0.1735% | 5,091 |
| Noninterest expense to average assets | 1.8753% | 5,148 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7306% | 3,470 |
| Return on assets (ROA) | 0.7390% | 3,476 |
| Pretax return on assets | 0.7518% | 4,382 |
| Return on Equity (ROE) | 6.5583% | 3,502 |
| Retained earnings to average equity (ytd only) | 2.1766% | 4,017 |
| Net charge-offs to loans | -0.0039% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6155% | 2,289 |
| Assets per employee ($millions) | 4.6188% | 3,001 |
| Cash dividends to net income (ytd only)* | 66.8116% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 1,564 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 27.3264% | 5,487 |
| Net loans and leases to deposits | 34.7853% | 5,450 |
| Net loans and leases to core deposits | 34.7853% | 5,479 |
| Total domestic deposits to total assets | 78.5572% | 4,632 |
| Equity capital to assets | 11.4164% | 2,264 |
| Core capital (leverage) ratio | 11.4639% | 1,962 |
| Tier 1 risk-based capital ratio | 30.8078% | 430 |
| Total risk-based capital ratio | 31.8947% | 434 |
| Memoranda: | ||
| Average total assets | $93,373,400 | 4,362 |
| Average earning assets | $88,767,600 | 4,316 |
| Average equity | $10,521,000 | 4,375 |
| Average total loans | $25,325,800 | 5,149 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7793% | 5,526 |
| Cost of funding earning assets | 0.2265% | 4,766 |
| Net interest margin | 2.5528% | 5,436 |
| Noninterest income to average assets | 0.1709% | 5,164 |
| Noninterest expense to average assets | 1.8727% | 5,168 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7094% | 3,932 |
| Return on assets (ROA) | 0.7192% | 3,937 |
| Pretax return on assets | 0.7320% | 4,529 |
| Return on Equity (ROE) | 6.4036% | 3,947 |
| Retained earnings to average equity (ytd only) | 2.0161% | 4,632 |
| Net charge-offs to loans | -0.0053% | 4,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1734% | 2,180 |
| Assets per employee ($millions) | 4.3592% | 3,374 |
| Cash dividends to net income (ytd only)* | 68.5142% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 1,585 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 26.9961% | 5,548 |
| Net loans and leases to deposits | 34.5477% | 5,518 |
| Net loans and leases to core deposits | 34.5477% | 5,544 |
| Total domestic deposits to total assets | 78.1414% | 4,702 |
| Equity capital to assets | 11.6830% | 2,205 |
| Core capital (leverage) ratio | 11.3782% | 2,118 |
| Tier 1 risk-based capital ratio | 30.4391% | 462 |
| Total risk-based capital ratio | 31.5201% | 464 |
| Memoranda: | ||
| Average total assets | $93,622,750 | 4,394 |
| Average earning assets | $88,892,500 | 4,350 |
| Average equity | $10,514,750 | 4,418 |
| Average total loans | $25,253,250 | 5,205 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7238% | 5,590 |
| Cost of funding earning assets | 0.2167% | 4,825 |
| Net interest margin | 2.5071% | 5,504 |
| Noninterest income to average assets | 0.1590% | 5,254 |
| Noninterest expense to average assets | 1.8724% | 5,225 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6532% | 4,065 |
| Return on assets (ROA) | 0.6552% | 4,111 |
| Pretax return on assets | 0.6680% | 4,633 |
| Return on Equity (ROE) | 5.9112% | 4,084 |
| Retained earnings to average equity (ytd only) | 1.5113% | 4,642 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7678% | 2,061 |
| Assets per employee ($millions) | 4.4557% | 3,183 |
| Cash dividends to net income (ytd only)* | 74.4337% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4744% | 1,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 26.5665% | 5,598 |
| Net loans and leases to deposits | 33.7823% | 5,577 |
| Net loans and leases to core deposits | 33.7823% | 5,604 |
| Total domestic deposits to total assets | 78.6404% | 4,701 |
| Equity capital to assets | 11.4354% | 2,382 |
| Core capital (leverage) ratio | 11.0268% | 2,380 |
| Tier 1 risk-based capital ratio | 30.1005% | 463 |
| Total risk-based capital ratio | 31.1749% | 461 |
| Memoranda: | ||
| Average total assets | $94,316,000 | 4,406 |
| Average earning assets | $89,506,000 | 4,369 |
| Average equity | $10,454,670 | 4,445 |
| Average total loans | $25,309,000 | 5,241 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6365% | 5,671 |
| Cost of funding earning assets | 0.2134% | 4,851 |
| Net interest margin | 2.4231% | 5,604 |
| Noninterest income to average assets | 0.1647% | 5,287 |
| Noninterest expense to average assets | 1.8376% | 5,324 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6169% | 4,080 |
| Return on assets (ROA) | 0.6252% | 4,091 |
| Pretax return on assets | 0.6379% | 4,632 |
| Return on Equity (ROE) | 5.7298% | 4,029 |
| Retained earnings to average equity (ytd only) | 1.2776% | 4,572 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4863% | 2,151 |
| Assets per employee ($millions) | 4.8319% | 2,651 |
| Cash dividends to net income (ytd only)* | 77.7027% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 1,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 24.8487% | 5,687 |
| Net loans and leases to deposits | 31.2011% | 5,667 |
| Net loans and leases to core deposits | 31.3383% | 5,676 |
| Total domestic deposits to total assets | 79.6403% | 4,692 |
| Equity capital to assets | 10.7795% | 2,879 |
| Core capital (leverage) ratio | 10.8063% | 2,592 |
| Tier 1 risk-based capital ratio | 29.9244% | 483 |
| Total risk-based capital ratio | 30.9973% | 486 |
| Memoranda: | ||
| Average total assets | $94,689,500 | 4,448 |
| Average earning assets | $89,968,000 | 4,398 |
| Average equity | $10,332,000 | 4,490 |
| Average total loans | $25,348,500 | 5,288 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7382% | 5,672 |
| Cost of funding earning assets | 0.2044% | 4,974 |
| Net interest margin | 2.5338% | 5,564 |
| Noninterest income to average assets | 0.2012% | 5,211 |
| Noninterest expense to average assets | 1.9044% | 5,352 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6861% | 3,840 |
| Return on assets (ROA) | 0.7747% | 3,532 |
| Pretax return on assets | 0.7876% | 4,217 |
| Return on Equity (ROE) | 6.8437% | 3,552 |
| Retained earnings to average equity (ytd only) | 2.4618% | 4,122 |
| Net charge-offs to loans | -0.0673% | 5,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2010% | 2,391 |
| Assets per employee ($millions) | 4.8812% | 2,528 |
| Cash dividends to net income (ytd only)* | 64.0278% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 2,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 27.9701% | 5,682 |
| Net loans and leases to deposits | 35.3700% | 5,653 |
| Net loans and leases to core deposits | 35.5333% | 5,685 |
| Total domestic deposits to total assets | 79.0785% | 4,779 |
| Equity capital to assets | 11.0489% | 2,593 |
| Core capital (leverage) ratio | 11.1479% | 2,209 |
| Tier 1 risk-based capital ratio | 28.8375% | 524 |
| Total risk-based capital ratio | 29.8745% | 529 |
| Memoranda: | ||
| Average total assets | $92,944,600 | 4,492 |
| Average earning assets | $88,050,600 | 4,438 |
| Average equity | $10,520,600 | 4,488 |
| Average total loans | $26,739,000 | 5,301 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7623% | 5,731 |
| Cost of funding earning assets | 0.2042% | 5,030 |
| Net interest margin | 2.5581% | 5,618 |
| Noninterest income to average assets | 0.1936% | 5,309 |
| Noninterest expense to average assets | 1.8811% | 5,415 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7236% | 3,729 |
| Return on assets (ROA) | 0.8416% | 3,305 |
| Pretax return on assets | 0.8574% | 4,129 |
| Return on Equity (ROE) | 7.3912% | 3,356 |
| Retained earnings to average equity (ytd only) | 3.0346% | 4,095 |
| Net charge-offs to loans | -0.0894% | 5,536 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8510% | 2,597 |
| Assets per employee ($millions) | 4.5651% | 2,983 |
| Cash dividends to net income (ytd only)* | 58.9433% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 2,135 |
| Loan loss allowance to noncurrent loans | 664.2857% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 5,197 |
| Noncurrent loans to loans | 0.2131% | 4,506 |
| Net loans and leases to total assets | 28.3805% | 5,746 |
| Net loans and leases to deposits | 36.3361% | 5,717 |
| Net loans and leases to core deposits | 36.5081% | 5,747 |
| Total domestic deposits to total assets | 78.1056% | 4,893 |
| Equity capital to assets | 11.7785% | 2,280 |
| Core capital (leverage) ratio | 11.2588% | 2,226 |
| Tier 1 risk-based capital ratio | 28.6921% | 538 |
| Total risk-based capital ratio | 29.7257% | 540 |
| Memoranda: | ||
| Average total assets | $92,995,250 | 4,528 |
| Average earning assets | $88,137,750 | 4,467 |
| Average equity | $10,589,000 | 4,521 |
| Average total loans | $26,845,750 | 5,353 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7815% | 5,808 |
| Cost of funding earning assets | 0.2009% | 5,130 |
| Net interest margin | 2.5806% | 5,685 |
| Noninterest income to average assets | 0.1646% | 5,499 |
| Noninterest expense to average assets | 1.8983% | 5,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6974% | 3,801 |
| Return on assets (ROA) | 0.8251% | 3,331 |
| Pretax return on assets | 0.8401% | 4,158 |
| Return on Equity (ROE) | 7.3287% | 3,353 |
| Retained earnings to average equity (ytd only) | 2.9618% | 4,031 |
| Net charge-offs to loans | -0.1258% | 5,691 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7869% | 2,550 |
| Assets per employee ($millions) | 4.6367% | 2,811 |
| Cash dividends to net income (ytd only)* | 59.5855% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 2,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 28.5505% | 5,810 |
| Net loans and leases to deposits | 36.4698% | 5,777 |
| Net loans and leases to core deposits | 36.6394% | 5,807 |
| Total domestic deposits to total assets | 78.2852% | 4,943 |
| Equity capital to assets | 11.5718% | 2,474 |
| Core capital (leverage) ratio | 10.8940% | 2,534 |
| Tier 1 risk-based capital ratio | 28.0971% | 586 |
| Total risk-based capital ratio | 29.1151% | 588 |
| Memoranda: | ||
| Average total assets | $93,559,670 | 4,544 |
| Average earning assets | $88,584,000 | 4,495 |
| Average equity | $10,534,000 | 4,559 |
| Average total loans | $27,033,000 | 5,405 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7449% | 5,884 |
| Cost of funding earning assets | 0.1980% | 5,223 |
| Net interest margin | 2.5469% | 5,768 |
| Noninterest income to average assets | 0.1617% | 5,525 |
| Noninterest expense to average assets | 1.8388% | 5,601 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7209% | 3,614 |
| Return on assets (ROA) | 0.8726% | 3,003 |
| Pretax return on assets | 0.8854% | 3,907 |
| Return on Equity (ROE) | 7.8578% | 3,001 |
| Retained earnings to average equity (ytd only) | 3.4498% | 3,781 |
| Net charge-offs to loans | -0.2507% | 5,897 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5232% | 2,868 |
| Assets per employee ($millions) | 4.7524% | 2,670 |
| Cash dividends to net income (ytd only)* | 56.0976% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 2,422 |
| 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 | 27.4914% | 5,883 |
| Net loans and leases to deposits | 34.8502% | 5,853 |
| Net loans and leases to core deposits | 35.0071% | 5,876 |
| Total domestic deposits to total assets | 78.8844% | 4,992 |
| Equity capital to assets | 11.1744% | 2,746 |
| Core capital (leverage) ratio | 10.8852% | 2,529 |
| Tier 1 risk-based capital ratio | 27.6543% | 633 |
| Total risk-based capital ratio | 28.6627% | 633 |
| Memoranda: | ||
| Average total assets | $93,972,500 | 4,576 |
| Average earning assets | $88,891,500 | 4,531 |
| Average equity | $10,435,500 | 4,591 |
| Average total loans | $27,126,000 | 5,445 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7677% | 5,904 |
| Cost of funding earning assets | 0.1964% | 5,316 |
| Net interest margin | 2.5713% | 5,777 |
| Noninterest income to average assets | 0.2161% | 5,297 |
| Noninterest expense to average assets | 1.9211% | 5,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7059% | 3,778 |
| Return on assets (ROA) | 0.7641% | 3,590 |
| Pretax return on assets | 0.7848% | 4,243 |
| Return on Equity (ROE) | 6.8580% | 3,588 |
| Retained earnings to average equity (ytd only) | 2.3415% | 4,391 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6073% | 2,811 |
| Assets per employee ($millions) | 4.6449% | 2,815 |
| Cash dividends to net income (ytd only)* | 65.8571% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 3,033 |
| Loan loss allowance to noncurrent loans | 11,800.0000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 5,712 |
| Noncurrent loans to loans | 0.0108% | 5,491 |
| Net loans and leases to total assets | 29.4918% | 5,904 |
| Net loans and leases to deposits | 37.4143% | 5,849 |
| Net loans and leases to core deposits | 37.5868% | 5,887 |
| Total domestic deposits to total assets | 78.8249% | 5,011 |
| Equity capital to assets | 11.0337% | 2,788 |
| Core capital (leverage) ratio | 10.7900% | 2,613 |
| Tier 1 risk-based capital ratio | 27.0847% | 661 |
| Total risk-based capital ratio | 28.0355% | 663 |
| Memoranda: | ||
| Average total assets | $91,612,400 | 4,630 |
| Average earning assets | $86,569,400 | 4,576 |
| Average equity | $10,207,000 | 4,618 |
| Average total loans | $26,917,800 | 5,489 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7615% | 5,987 |
| Cost of funding earning assets | 0.1978% | 5,395 |
| Net interest margin | 2.5637% | 5,870 |
| Noninterest income to average assets | 0.2162% | 5,364 |
| Noninterest expense to average assets | 1.9059% | 5,629 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7128% | 3,849 |
| Return on assets (ROA) | 0.7624% | 3,720 |
| Pretax return on assets | 0.7843% | 4,384 |
| Return on Equity (ROE) | 6.8258% | 3,717 |
| Retained earnings to average equity (ytd only) | 2.3014% | 4,736 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2191% | 2,835 |
| Assets per employee ($millions) | 4.5762% | 2,876 |
| Cash dividends to net income (ytd only)* | 66.2835% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 3,114 |
| Loan loss allowance to noncurrent loans | 7,080.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 5,789 |
| Noncurrent loans to loans | 0.0183% | 5,567 |
| Net loans and leases to total assets | 29.4404% | 5,992 |
| Net loans and leases to deposits | 37.4512% | 5,941 |
| Net loans and leases to core deposits | 37.6264% | 5,980 |
| Total domestic deposits to total assets | 78.6100% | 5,066 |
| Equity capital to assets | 11.1818% | 2,814 |
| Core capital (leverage) ratio | 10.8681% | 2,622 |
| Tier 1 risk-based capital ratio | 27.2552% | 666 |
| Total risk-based capital ratio | 28.2179% | 666 |
| Memoranda: | ||
| Average total assets | $91,291,250 | 4,693 |
| Average earning assets | $86,278,750 | 4,633 |
| Average equity | $10,196,250 | 4,678 |
| Average total loans | $26,709,500 | 5,555 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7440% | 6,053 |
| Cost of funding earning assets | 0.1977% | 5,456 |
| Net interest margin | 2.5464% | 5,926 |
| Noninterest income to average assets | 0.2171% | 5,398 |
| Noninterest expense to average assets | 1.9449% | 5,644 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6531% | 4,108 |
| Return on assets (ROA) | 0.7126% | 3,953 |
| Pretax return on assets | 0.7345% | 4,547 |
| Return on Equity (ROE) | 6.3828% | 3,942 |
| Retained earnings to average equity (ytd only) | 1.8657% | 4,763 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2881% | 2,646 |
| Assets per employee ($millions) | 4.3657% | 3,185 |
| Cash dividends to net income (ytd only)* | 70.7692% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 3,409 |
| Loan loss allowance to noncurrent loans | 7,080.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 5,884 |
| Noncurrent loans to loans | 0.0179% | 5,692 |
| Net loans and leases to total assets | 30.0647% | 6,034 |
| Net loans and leases to deposits | 38.1004% | 5,973 |
| Net loans and leases to core deposits | 38.2777% | 6,014 |
| Total domestic deposits to total assets | 78.9090% | 5,115 |
| Equity capital to assets | 11.0974% | 2,784 |
| Core capital (leverage) ratio | 10.7122% | 2,719 |
| Tier 1 risk-based capital ratio | 26.7046% | 730 |
| Total risk-based capital ratio | 27.6557% | 732 |
| Memoranda: | ||
| Average total assets | $91,213,670 | 4,744 |
| Average earning assets | $86,004,670 | 4,677 |
| Average equity | $10,183,670 | 4,704 |
| Average total loans | $26,513,000 | 5,609 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6983% | 6,134 |
| Cost of funding earning assets | 0.1957% | 5,550 |
| Net interest margin | 2.5026% | 6,010 |
| Noninterest income to average assets | 0.2198% | 5,381 |
| Noninterest expense to average assets | 1.8817% | 5,791 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6764% | 3,915 |
| Return on assets (ROA) | 0.7958% | 3,410 |
| Pretax return on assets | 0.8221% | 4,161 |
| Return on Equity (ROE) | 7.1061% | 3,451 |
| Retained earnings to average equity (ytd only) | 2.5912% | 4,385 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9131% | 3,006 |
| Assets per employee ($millions) | 4.4469% | 3,142 |
| Cash dividends to net income (ytd only)* | 63.5359% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 3,125 |
| Loan loss allowance to noncurrent loans | 769.5652% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 5,741 |
| Noncurrent loans to loans | 0.1760% | 5,146 |
| Net loans and leases to total assets | 27.6061% | 6,148 |
| Net loans and leases to deposits | 34.8510% | 6,101 |
| Net loans and leases to core deposits | 34.8510% | 6,126 |
| Total domestic deposits to total assets | 79.2119% | 5,230 |
| Equity capital to assets | 10.9996% | 2,968 |
| Core capital (leverage) ratio | 10.7831% | 2,645 |
| Tier 1 risk-based capital ratio | 28.0059% | 649 |
| Total risk-based capital ratio | 29.0062% | 650 |
| Memoranda: | ||
| Average total assets | $90,981,000 | 4,791 |
| Average earning assets | $85,831,500 | 4,724 |
| Average equity | $10,188,500 | 4,739 |
| Average total loans | $25,811,000 | 5,687 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7353% | 6,241 |
| Cost of funding earning assets | 0.2153% | 5,623 |
| Net interest margin | 2.5200% | 6,135 |
| Noninterest income to average assets | 0.2505% | 5,334 |
| Noninterest expense to average assets | 1.9110% | 5,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6763% | 4,007 |
| Return on assets (ROA) | 0.7753% | 3,587 |
| Pretax return on assets | 0.8025% | 4,251 |
| Return on Equity (ROE) | 7.0073% | 3,631 |
| Retained earnings to average equity (ytd only) | 2.2846% | 4,613 |
| Net charge-offs to loans | 0.0677% | 3,507 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 36.3529% | 1,167 |
| Efficiency ratio | 73.1771% | 2,988 |
| Assets per employee ($millions) | 4.2180% | 3,509 |
| Cash dividends to net income (ytd only)* | 67.3977% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 3,004 |
| Loan loss allowance to noncurrent loans | 1,609.0909% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 5,945 |
| Noncurrent loans to loans | 0.0863% | 5,539 |
| Net loans and leases to total assets | 28.3753% | 6,227 |
| Net loans and leases to deposits | 35.9237% | 6,175 |
| Net loans and leases to core deposits | 35.9237% | 6,203 |
| Total domestic deposits to total assets | 78.9878% | 5,252 |
| Equity capital to assets | 11.4082% | 2,510 |
| Core capital (leverage) ratio | 11.0271% | 2,387 |
| Tier 1 risk-based capital ratio | 27.1534% | 673 |
| Total risk-based capital ratio | 28.1297% | 673 |
| Memoranda: | ||
| Average total assets | $88,227,400 | 4,887 |
| Average earning assets | $82,659,200 | 4,831 |
| Average equity | $9,761,200 | 4,801 |
| Average total loans | $25,108,600 | 5,775 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7100% | 6,327 |
| Cost of funding earning assets | 0.2165% | 5,700 |
| Net interest margin | 2.4935% | 6,235 |
| Noninterest income to average assets | 0.2284% | 5,560 |
| Noninterest expense to average assets | 1.8712% | 5,994 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6669% | 4,117 |
| Return on assets (ROA) | 0.7594% | 3,724 |
| Pretax return on assets | 0.7866% | 4,410 |
| Return on Equity (ROE) | 6.9179% | 3,746 |
| Retained earnings to average equity (ytd only) | 2.1497% | 4,982 |
| Net charge-offs to loans | -0.0053% | 5,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0224% | 2,990 |
| Assets per employee ($millions) | 4.1953% | 3,493 |
| Cash dividends to net income (ytd only)* | 68.9237% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4627% | 2,893 |
| Loan loss allowance to noncurrent loans | 729.4118% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 5,914 |
| Noncurrent loans to loans | 0.2005% | 5,302 |
| Net loans and leases to total assets | 28.4443% | 6,308 |
| Net loans and leases to deposits | 35.9783% | 6,242 |
| Net loans and leases to core deposits | 35.9783% | 6,282 |
| Total domestic deposits to total assets | 79.0595% | 5,312 |
| Equity capital to assets | 11.3289% | 2,646 |
| Core capital (leverage) ratio | 10.9975% | 2,486 |
| Tier 1 risk-based capital ratio | 26.7559% | 722 |
| Total risk-based capital ratio | 27.7737% | 727 |
| Memoranda: | ||
| Average total assets | $88,140,000 | 4,941 |
| Average earning assets | $82,505,500 | 4,888 |
| Average equity | $9,675,250 | 4,854 |
| Average total loans | $25,013,750 | 5,841 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6678% | 6,414 |
| Cost of funding earning assets | 0.2179% | 5,770 |
| Net interest margin | 2.4500% | 6,322 |
| Noninterest income to average assets | 0.2382% | 5,492 |
| Noninterest expense to average assets | 1.8944% | 6,007 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6168% | 4,263 |
| Return on assets (ROA) | 0.7192% | 3,831 |
| Pretax return on assets | 0.7464% | 4,472 |
| Return on Equity (ROE) | 6.6226% | 3,818 |
| Retained earnings to average equity (ytd only) | 1.8175% | 4,981 |
| Net charge-offs to loans | -0.0080% | 5,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7538% | 2,848 |
| Assets per employee ($millions) | 4.0831% | 3,679 |
| Cash dividends to net income (ytd only)* | 72.5552% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 3,124 |
| Loan loss allowance to noncurrent loans | 759.1837% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 6,021 |
| Noncurrent loans to loans | 0.1906% | 5,439 |
| Net loans and leases to total assets | 28.2002% | 6,355 |
| Net loans and leases to deposits | 35.5767% | 6,303 |
| Net loans and leases to core deposits | 35.5767% | 6,341 |
| Total domestic deposits to total assets | 79.2662% | 5,399 |
| Equity capital to assets | 11.0477% | 2,826 |
| Core capital (leverage) ratio | 10.8678% | 2,563 |
| Tier 1 risk-based capital ratio | 26.7827% | 715 |
| Total risk-based capital ratio | 27.8089% | 715 |
| Memoranda: | ||
| Average total assets | $88,152,670 | 4,972 |
| Average earning assets | $82,613,670 | 4,916 |
| Average equity | $9,573,330 | 4,894 |
| Average total loans | $24,874,330 | 5,891 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6664% | 6,488 |
| Cost of funding earning assets | 0.2202% | 5,849 |
| Net interest margin | 2.4463% | 6,381 |
| Noninterest income to average assets | 0.2245% | 5,556 |
| Noninterest expense to average assets | 1.8783% | 6,098 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6158% | 4,122 |
| Return on assets (ROA) | 0.8246% | 3,105 |
| Pretax return on assets | 0.8521% | 3,893 |
| Return on Equity (ROE) | 7.6612% | 3,114 |
| Retained earnings to average equity (ytd only) | 2.7665% | 4,428 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6812% | 3,022 |
| Assets per employee ($millions) | 4.0330% | 3,870 |
| Cash dividends to net income (ytd only)* | 63.8889% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5926% | 2,737 |
| Loan loss allowance to noncurrent loans | 463.7500% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 5,978 |
| Noncurrent loans to loans | 0.3434% | 5,082 |
| Net loans and leases to total assets | 25.8366% | 6,472 |
| Net loans and leases to deposits | 32.4781% | 6,419 |
| Net loans and leases to core deposits | 32.4781% | 6,452 |
| Total domestic deposits to total assets | 79.5508% | 5,584 |
| Equity capital to assets | 10.7555% | 2,980 |
| Core capital (leverage) ratio | 11.0974% | 2,301 |
| Tier 1 risk-based capital ratio | 27.3312% | 692 |
| Total risk-based capital ratio | 28.3780% | 691 |
| Memoranda: | ||
| Average total assets | $87,314,500 | 5,038 |
| Average earning assets | $81,757,500 | 4,985 |
| Average equity | $9,398,000 | 4,961 |
| Average total loans | $24,459,500 | 5,964 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7869% | 6,503 |
| Cost of funding earning assets | 0.2608% | 5,904 |
| Net interest margin | 2.5261% | 6,350 |
| Noninterest income to average assets | 0.2247% | 5,729 |
| Noninterest expense to average assets | 1.8845% | 6,210 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6819% | 3,892 |
| Return on assets (ROA) | 0.7333% | 3,724 |
| Pretax return on assets | 0.7612% | 4,294 |
| Return on Equity (ROE) | 6.5155% | 3,824 |
| Retained earnings to average equity (ytd only) | 1.7478% | 4,989 |
| Net charge-offs to loans | 0.0278% | 4,868 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 86.8571% | 517 |
| Efficiency ratio | 72.6987% | 3,350 |
| Assets per employee ($millions) | 3.9046% | 4,058 |
| Cash dividends to net income (ytd only)* | 73.1746% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4479% | 3,428 |
| Loan loss allowance to noncurrent loans | 1,060.0000% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 6,197 |
| Noncurrent loans to loans | 0.1366% | 5,800 |
| Net loans and leases to total assets | 29.3975% | 6,483 |
| Net loans and leases to deposits | 37.0203% | 6,400 |
| Net loans and leases to core deposits | 37.0203% | 6,442 |
| Total domestic deposits to total assets | 79.4091% | 5,574 |
| Equity capital to assets | 10.7716% | 2,851 |
| Core capital (leverage) ratio | 11.3006% | 2,117 |
| Tier 1 risk-based capital ratio | 25.3778% | 822 |
| Total risk-based capital ratio | 26.3563% | 830 |
| Memoranda: | ||
| Average total assets | $85,911,400 | 5,086 |
| Average earning assets | $80,518,800 | 5,026 |
| Average equity | $9,669,200 | 4,931 |
| Average total loans | $25,202,800 | 5,975 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7693% | 6,587 |
| Cost of funding earning assets | 0.2686% | 5,970 |
| Net interest margin | 2.5007% | 6,425 |
| Noninterest income to average assets | 0.2204% | 5,848 |
| Noninterest expense to average assets | 1.8685% | 6,227 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6664% | 4,030 |
| Return on assets (ROA) | 0.7201% | 3,889 |
| Pretax return on assets | 0.7480% | 4,493 |
| Return on Equity (ROE) | 6.3300% | 4,017 |
| Retained earnings to average equity (ytd only) | 1.6234% | 5,326 |
| Net charge-offs to loans | 0.0372% | 4,405 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 63.7353% | 717 |
| Efficiency ratio | 72.9697% | 3,224 |
| Assets per employee ($millions) | 3.8227% | 4,183 |
| Cash dividends to net income (ytd only)* | 74.3538% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 3,625 |
| Loan loss allowance to noncurrent loans | 1,060.0000% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 6,277 |
| Noncurrent loans to loans | 0.1381% | 5,913 |
| Net loans and leases to total assets | 29.6849% | 6,545 |
| Net loans and leases to deposits | 37.0456% | 6,471 |
| Net loans and leases to core deposits | 37.6206% | 6,513 |
| Total domestic deposits to total assets | 80.1308% | 5,469 |
| Equity capital to assets | 10.8597% | 2,903 |
| Core capital (leverage) ratio | 11.5083% | 2,034 |
| Tier 1 risk-based capital ratio | 25.4257% | 841 |
| Total risk-based capital ratio | 26.4111% | 849 |
| Memoranda: | ||
| Average total assets | $85,913,750 | 5,127 |
| Average earning assets | $80,402,750 | 5,081 |
| Average equity | $9,773,250 | 4,955 |
| Average total loans | $25,097,500 | 6,032 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7164% | 6,661 |
| Cost of funding earning assets | 0.2702% | 6,048 |
| Net interest margin | 2.4462% | 6,504 |
| Noninterest income to average assets | 0.2219% | 5,858 |
| Noninterest expense to average assets | 1.8840% | 6,251 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6155% | 4,216 |
| Return on assets (ROA) | 0.6842% | 4,049 |
| Pretax return on assets | 0.7120% | 4,646 |
| Return on Equity (ROE) | 5.9279% | 4,215 |
| Retained earnings to average equity (ytd only) | 1.3218% | 5,360 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6337% | 3,006 |
| Assets per employee ($millions) | 3.8290% | 4,147 |
| Cash dividends to net income (ytd only)* | 77.7027% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 3,654 |
| Loan loss allowance to noncurrent loans | 497.3684% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 6,221 |
| Noncurrent loans to loans | 0.2984% | 5,557 |
| Net loans and leases to total assets | 29.7819% | 6,585 |
| Net loans and leases to deposits | 37.2967% | 6,512 |
| Net loans and leases to core deposits | 37.8750% | 6,545 |
| Total domestic deposits to total assets | 79.8514% | 5,641 |
| Equity capital to assets | 11.2430% | 2,529 |
| Core capital (leverage) ratio | 11.0522% | 2,304 |
| Tier 1 risk-based capital ratio | 25.3185% | 837 |
| Total risk-based capital ratio | 26.3239% | 851 |
| Memoranda: | ||
| Average total assets | $86,518,330 | 5,139 |
| Average earning assets | $81,431,000 | 5,073 |
| Average equity | $9,986,670 | 4,942 |
| Average total loans | $25,018,000 | 6,067 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6317% | 6,771 |
| Cost of funding earning assets | 0.2719% | 6,148 |
| Net interest margin | 2.3598% | 6,635 |
| Noninterest income to average assets | 0.1871% | 6,136 |
| Noninterest expense to average assets | 1.7888% | 6,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5943% | 4,249 |
| Return on assets (ROA) | 0.7301% | 3,675 |
| Pretax return on assets | 0.7575% | 4,338 |
| Return on Equity (ROE) | 6.2473% | 3,916 |
| Retained earnings to average equity (ytd only) | 1.7570% | 5,109 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3833% | 3,196 |
| Assets per employee ($millions) | 4.0221% | 3,897 |
| Cash dividends to net income (ytd only)* | 71.8750% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 3,521 |
| Loan loss allowance to noncurrent loans | 444.7059% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 6,307 |
| Noncurrent loans to loans | 0.3532% | 5,512 |
| Net loans and leases to total assets | 26.7678% | 6,704 |
| Net loans and leases to deposits | 33.5781% | 6,652 |
| Net loans and leases to core deposits | 34.0732% | 6,674 |
| Total domestic deposits to total assets | 79.7179% | 5,816 |
| Equity capital to assets | 11.6480% | 2,292 |
| Core capital (leverage) ratio | 10.9784% | 2,286 |
| Tier 1 risk-based capital ratio | 25.9444% | 786 |
| Total risk-based capital ratio | 26.9770% | 805 |
| Memoranda: | ||
| Average total assets | $87,658,000 | 5,158 |
| Average earning assets | $82,380,000 | 5,077 |
| Average equity | $10,244,500 | 4,939 |
| Average total loans | $24,794,000 | 6,131 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9186% | 6,810 |
| Cost of funding earning assets | 0.3720% | 6,097 |
| Net interest margin | 2.5466% | 6,681 |
| Noninterest income to average assets | 0.2267% | 5,821 |
| Noninterest expense to average assets | 1.8661% | 6,532 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7172% | 3,656 |
| Return on assets (ROA) | 0.8393% | 3,352 |
| Pretax return on assets | 0.8677% | 4,037 |
| Return on Equity (ROE) | 6.9696% | 3,656 |
| Retained earnings to average equity (ytd only) | 2.4251% | 4,527 |
| Net charge-offs to loans | -0.0161% | 6,524 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5521% | 3,511 |
| Assets per employee ($millions) | 4.1347% | 3,678 |
| Cash dividends to net income (ytd only)* | 65.2051% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 3,822 |
| Loan loss allowance to noncurrent loans | 564.1791% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 6,181 |
| Noncurrent loans to loans | 0.2625% | 5,823 |
| Net loans and leases to total assets | 28.9604% | 6,734 |
| Net loans and leases to deposits | 36.1896% | 6,677 |
| Net loans and leases to core deposits | 36.7299% | 6,707 |
| Total domestic deposits to total assets | 80.0240% | 5,656 |
| Equity capital to assets | 11.7265% | 2,247 |
| Core capital (leverage) ratio | 10.9893% | 2,262 |
| Tier 1 risk-based capital ratio | 25.5701% | 801 |
| Total risk-based capital ratio | 26.5926% | 805 |
| Memoranda: | ||
| Average total assets | $84,241,200 | 5,241 |
| Average earning assets | $78,771,000 | 5,167 |
| Average equity | $10,144,000 | 4,953 |
| Average total loans | $24,800,800 | 6,205 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9590% | 6,917 |
| Cost of funding earning assets | 0.3906% | 6,169 |
| Net interest margin | 2.5685% | 6,782 |
| Noninterest income to average assets | 0.2153% | 5,999 |
| Noninterest expense to average assets | 1.8518% | 6,611 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7399% | 3,736 |
| Return on assets (ROA) | 0.8884% | 3,280 |
| Pretax return on assets | 0.9187% | 4,034 |
| Return on Equity (ROE) | 7.3279% | 3,625 |
| Retained earnings to average equity (ytd only) | 2.7760% | 4,886 |
| Net charge-offs to loans | -0.0216% | 6,518 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7495% | 3,546 |
| Assets per employee ($millions) | 3.8256% | 4,241 |
| Cash dividends to net income (ytd only)* | 62.1181% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 3,834 |
| Loan loss allowance to noncurrent loans | 270.0000% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 6,288 |
| Noncurrent loans to loans | 0.5653% | 5,312 |
| Net loans and leases to total assets | 28.9771% | 6,847 |
| Net loans and leases to deposits | 36.6616% | 6,798 |
| Net loans and leases to core deposits | 37.4595% | 6,822 |
| Total domestic deposits to total assets | 79.0395% | 5,861 |
| Equity capital to assets | 12.2168% | 2,099 |
| Core capital (leverage) ratio | 11.0987% | 2,300 |
| Tier 1 risk-based capital ratio | 26.5610% | 780 |
| Total risk-based capital ratio | 27.6271% | 777 |
| Memoranda: | ||
| Average total assets | $83,594,250 | 5,307 |
| Average earning assets | $78,177,000 | 5,239 |
| Average equity | $10,134,500 | 4,997 |
| Average total loans | $24,620,000 | 6,301 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9640% | 6,989 |
| Cost of funding earning assets | 0.3996% | 6,266 |
| Net interest margin | 2.5644% | 6,846 |
| Noninterest income to average assets | 0.2086% | 6,068 |
| Noninterest expense to average assets | 1.8800% | 6,640 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6984% | 3,874 |
| Return on assets (ROA) | 0.8273% | 3,525 |
| Pretax return on assets | 0.8633% | 4,220 |
| Return on Equity (ROE) | 6.8416% | 3,862 |
| Retained earnings to average equity (ytd only) | 2.2607% | 5,066 |
| Net charge-offs to loans | 0.0407% | 4,806 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 60.8000% | 624 |
| Efficiency ratio | 72.0588% | 3,424 |
| Assets per employee ($millions) | 3.8739% | 4,139 |
| Cash dividends to net income (ytd only)* | 66.9565% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4971% | 4,022 |
| Loan loss allowance to noncurrent loans | 323.6842% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 6,454 |
| Noncurrent loans to loans | 0.4625% | 5,609 |
| Net loans and leases to total assets | 28.4878% | 6,921 |
| Net loans and leases to deposits | 35.7665% | 6,883 |
| Net loans and leases to core deposits | 36.5257% | 6,905 |
| Total domestic deposits to total assets | 79.6494% | 5,830 |
| Equity capital to assets | 11.9201% | 2,202 |
| Core capital (leverage) ratio | 10.8053% | 2,476 |
| Tier 1 risk-based capital ratio | 26.3446% | 778 |
| Total risk-based capital ratio | 27.3876% | 783 |
| Memoranda: | ||
| Average total assets | $83,404,670 | 5,339 |
| Average earning assets | $78,069,330 | 5,268 |
| Average equity | $10,085,330 | 5,014 |
| Average total loans | $24,571,330 | 6,341 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0084% | 7,041 |
| Cost of funding earning assets | 0.4105% | 6,353 |
| Net interest margin | 2.5980% | 6,875 |
| Noninterest income to average assets | 0.1794% | 6,306 |
| Noninterest expense to average assets | 1.8910% | 6,660 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6881% | 3,939 |
| Return on assets (ROA) | 0.7952% | 3,639 |
| Pretax return on assets | 0.8243% | 4,325 |
| Return on Equity (ROE) | 6.5283% | 4,020 |
| Retained earnings to average equity (ytd only) | 1.9505% | 5,284 |
| Net charge-offs to loans | 0.3424% | 2,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,126 |
| Efficiency ratio | 72.6257% | 3,324 |
| Assets per employee ($millions) | 4.1460% | 3,699 |
| Cash dividends to net income (ytd only)* | 70.1220% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 4,469 |
| Loan loss allowance to noncurrent loans | 318.0180% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 6,572 |
| Noncurrent loans to loans | 0.4498% | 5,776 |
| Net loans and leases to total assets | 27.9412% | 6,982 |
| Net loans and leases to deposits | 34.8185% | 6,926 |
| Net loans and leases to core deposits | 35.7052% | 6,948 |
| Total domestic deposits to total assets | 80.2481% | 5,791 |
| Equity capital to assets | 11.5454% | 2,396 |
| Core capital (leverage) ratio | 10.8050% | 2,436 |
| Tier 1 risk-based capital ratio | 26.6199% | 756 |
| Total risk-based capital ratio | 27.6351% | 759 |
| Memoranda: | ||
| Average total assets | $82,494,000 | 5,402 |
| Average earning assets | $76,983,500 | 5,328 |
| Average equity | $10,048,500 | 5,029 |
| Average total loans | $24,533,000 | 6,396 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2958% | 7,094 |
| Cost of funding earning assets | 0.5507% | 6,333 |
| Net interest margin | 2.7451% | 6,890 |
| Noninterest income to average assets | 0.2493% | 5,748 |
| Noninterest expense to average assets | 1.9725% | 6,721 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8045% | 3,016 |
| Return on assets (ROA) | 0.8203% | 3,118 |
| Pretax return on assets | 0.8693% | 3,710 |
| Return on Equity (ROE) | 6.5008% | 3,641 |
| Retained earnings to average equity (ytd only) | 1.7813% | 4,945 |
| Net charge-offs to loans | -0.0208% | 6,962 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8217% | 3,998 |
| Assets per employee ($millions) | 3.7106% | 4,533 |
| Cash dividends to net income (ytd only)* | 72.5984% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 3,866 |
| Loan loss allowance to noncurrent loans | 177.2512% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.2913% | 6,239 |
| Noncurrent loans to loans | 0.8653% | 4,959 |
| Net loans and leases to total assets | 30.8150% | 6,978 |
| Net loans and leases to deposits | 39.7965% | 6,893 |
| Net loans and leases to core deposits | 40.9705% | 6,917 |
| Total domestic deposits to total assets | 77.4316% | 6,276 |
| Equity capital to assets | 12.8909% | 1,551 |
| Core capital (leverage) ratio | 11.6353% | 1,799 |
| Tier 1 risk-based capital ratio | 26.5722% | 734 |
| Total risk-based capital ratio | 27.6516% | 735 |
| Memoranda: | ||
| Average total assets | $77,415,400 | 5,529 |
| Average earning assets | $72,637,200 | 5,458 |
| Average equity | $9,768,000 | 5,080 |
| Average total loans | $24,005,200 | 6,467 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3092% | 7,172 |
| Cost of funding earning assets | 0.5827% | 6,366 |
| Net interest margin | 2.7265% | 6,967 |
| Noninterest income to average assets | 0.2553% | 5,796 |
| Noninterest expense to average assets | 1.9735% | 6,742 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8017% | 3,153 |
| Return on assets (ROA) | 0.8211% | 3,221 |
| Pretax return on assets | 0.8694% | 3,880 |
| Return on Equity (ROE) | 6.5436% | 3,745 |
| Retained earnings to average equity (ytd only) | 1.7871% | 5,245 |
| Net charge-offs to loans | -0.0167% | 6,869 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9267% | 3,967 |
| Assets per employee ($millions) | 3.6574% | 4,622 |
| Cash dividends to net income (ytd only)* | 72.6889% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5898% | 3,718 |
| Loan loss allowance to noncurrent loans | 129.6167% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 6,143 |
| Noncurrent loans to loans | 1.2265% | 4,493 |
| Net loans and leases to total assets | 29.9807% | 7,088 |
| Net loans and leases to deposits | 39.2765% | 7,001 |
| Net loans and leases to core deposits | 40.0428% | 7,043 |
| Total domestic deposits to total assets | 76.3326% | 6,482 |
| Equity capital to assets | 13.1162% | 1,553 |
| Core capital (leverage) ratio | 11.8401% | 1,801 |
| Tier 1 risk-based capital ratio | 27.7958% | 673 |
| Total risk-based capital ratio | 28.9241% | 669 |
| Memoranda: | ||
| Average total assets | $77,288,500 | 5,567 |
| Average earning assets | $72,765,750 | 5,486 |
| Average equity | $9,698,750 | 5,125 |
| Average total loans | $23,910,000 | 6,537 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2619% | 7,266 |
| Cost of funding earning assets | 0.6037% | 6,444 |
| Net interest margin | 2.6581% | 7,070 |
| Noninterest income to average assets | 0.2686% | 5,723 |
| Noninterest expense to average assets | 2.0142% | 6,758 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7197% | 3,445 |
| Return on assets (ROA) | 0.7489% | 3,420 |
| Pretax return on assets | 0.7979% | 4,040 |
| Return on Equity (ROE) | 6.0583% | 3,937 |
| Retained earnings to average equity (ytd only) | 1.2534% | 5,354 |
| Net charge-offs to loans | -0.0166% | 6,788 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4234% | 3,649 |
| Assets per employee ($millions) | 3.6944% | 4,461 |
| Cash dividends to net income (ytd only)* | 79.3103% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 4,209 |
| Loan loss allowance to noncurrent loans | 129.2683% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3699% | 6,211 |
| Noncurrent loans to loans | 1.1471% | 4,742 |
| Net loans and leases to total assets | 31.7711% | 7,119 |
| Net loans and leases to deposits | 41.5540% | 7,009 |
| Net loans and leases to core deposits | 42.3508% | 7,062 |
| Total domestic deposits to total assets | 76.4575% | 6,528 |
| Equity capital to assets | 12.5105% | 1,772 |
| Core capital (leverage) ratio | 11.5721% | 1,860 |
| Tier 1 risk-based capital ratio | 26.3481% | 782 |
| Total risk-based capital ratio | 27.4231% | 780 |
| Memoranda: | ||
| Average total assets | $77,449,330 | 5,608 |
| Average earning assets | $73,209,670 | 5,517 |
| Average equity | $9,573,670 | 5,165 |
| Average total loans | $24,080,330 | 6,589 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1840% | 7,344 |
| Cost of funding earning assets | 0.6109% | 6,565 |
| Net interest margin | 2.5732% | 7,144 |
| Noninterest income to average assets | 0.2895% | 5,597 |
| Noninterest expense to average assets | 1.9798% | 6,860 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7340% | 3,357 |
| Return on assets (ROA) | 0.7340% | 3,420 |
| Pretax return on assets | 0.7702% | 4,017 |
| Return on Equity (ROE) | 5.9742% | 3,922 |
| Retained earnings to average equity (ytd only) | 1.1780% | 5,352 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9925% | 3,868 |
| Assets per employee ($millions) | 3.7330% | 4,468 |
| Cash dividends to net income (ytd only)* | 80.2817% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6009% | 3,720 |
| Loan loss allowance to noncurrent loans | 132.7338% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 6,320 |
| Noncurrent loans to loans | 1.2061% | 4,669 |
| Net loans and leases to total assets | 28.9324% | 7,266 |
| Net loans and leases to deposits | 37.8017% | 7,171 |
| Net loans and leases to core deposits | 38.5135% | 7,207 |
| Total domestic deposits to total assets | 76.5374% | 6,600 |
| Equity capital to assets | 12.1733% | 1,811 |
| Core capital (leverage) ratio | 11.5996% | 1,796 |
| Tier 1 risk-based capital ratio | 27.1939% | 691 |
| Total risk-based capital ratio | 28.3013% | 683 |
| Memoranda: | ||
| Average total assets | $77,382,500 | 5,660 |
| Average earning assets | $73,994,000 | 5,535 |
| Average equity | $9,507,500 | 5,174 |
| Average total loans | $23,610,500 | 6,662 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7334% | 7,289 |
| Cost of funding earning assets | 0.8495% | 6,373 |
| Net interest margin | 2.8839% | 6,918 |
| Noninterest income to average assets | 0.2434% | 6,057 |
| Noninterest expense to average assets | 1.9761% | 7,064 |
| Loan and lease loss provision to assets | 0.0079% | 6,999 |
| Net operating income to assets | 0.9524% | 2,195 |
| Return on assets (ROA) | 1.0185% | 2,086 |
| Pretax return on assets | 1.0582% | 2,742 |
| Return on Equity (ROE) | 8.0532% | 2,680 |
| Retained earnings to average equity (ytd only) | 2.6356% | 4,017 |
| Net charge-offs to loans | 0.0239% | 6,575 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 125.6667% | 204 |
| Efficiency ratio | 66.4591% | 4,881 |
| Assets per employee ($millions) | 3.6368% | 4,614 |
| Cash dividends to net income (ytd only)* | 67.2727% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 3,874 |
| Loan loss allowance to noncurrent loans | 132.2581% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 6,355 |
| Noncurrent loans to loans | 1.1543% | 4,798 |
| Net loans and leases to total assets | 31.1659% | 7,313 |
| Net loans and leases to deposits | 40.7060% | 7,230 |
| Net loans and leases to core deposits | 41.4886% | 7,273 |
| Total domestic deposits to total assets | 76.5634% | 6,557 |
| Equity capital to assets | 12.4025% | 1,696 |
| Core capital (leverage) ratio | 11.7763% | 1,685 |
| Tier 1 risk-based capital ratio | 28.3273% | 582 |
| Total risk-based capital ratio | 29.4844% | 572 |
| Memoranda: | ||
| Average total assets | $75,603,400 | 5,727 |
| Average earning assets | $71,569,800 | 5,617 |
| Average equity | $9,561,400 | 5,246 |
| Average total loans | $25,152,000 | 6,664 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8309% | 7,385 |
| Cost of funding earning assets | 0.9077% | 6,370 |
| Net interest margin | 2.9232% | 6,971 |
| Noninterest income to average assets | 0.2405% | 6,173 |
| Noninterest expense to average assets | 1.9767% | 7,090 |
| Loan and lease loss provision to assets | 0.0053% | 6,956 |
| Net operating income to assets | 0.9842% | 2,293 |
| Return on assets (ROA) | 1.0538% | 2,165 |
| Pretax return on assets | 1.0926% | 2,850 |
| Return on Equity (ROE) | 8.2916% | 2,793 |
| Retained earnings to average equity (ytd only) | 3.4781% | 4,008 |
| Net charge-offs to loans | 0.0367% | 6,195 |
| Credit loss provision to net charge-offs | 42.8571% | 5,981 |
| Earnings coverage of net charge-offs (x) | 82.8842% | 369 |
| Efficiency ratio | 65.8422% | 4,896 |
| Assets per employee ($millions) | 3.5679% | 4,808 |
| Cash dividends to net income (ytd only)* | 58.0532% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 4,209 |
| Loan loss allowance to noncurrent loans | 119.2810% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.4084% | 6,402 |
| Noncurrent loans to loans | 1.2149% | 4,818 |
| Net loans and leases to total assets | 33.1300% | 7,371 |
| Net loans and leases to deposits | 43.3332% | 7,259 |
| Net loans and leases to core deposits | 44.1785% | 7,315 |
| Total domestic deposits to total assets | 76.4541% | 6,576 |
| Equity capital to assets | 13.0742% | 1,536 |
| Core capital (leverage) ratio | 12.0861% | 1,623 |
| Tier 1 risk-based capital ratio | 27.6744% | 649 |
| Total risk-based capital ratio | 28.7929% | 649 |
| Memoranda: | ||
| Average total assets | $75,411,250 | 5,797 |
| Average earning assets | $71,244,000 | 5,692 |
| Average equity | $9,583,750 | 5,319 |
| Average total loans | $25,397,250 | 6,734 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8900% | 7,436 |
| Cost of funding earning assets | 0.9620% | 6,329 |
| Net interest margin | 2.9281% | 6,972 |
| Noninterest income to average assets | 0.2355% | 6,221 |
| Noninterest expense to average assets | 1.9928% | 7,125 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9597% | 2,333 |
| Return on assets (ROA) | 1.0639% | 2,042 |
| Pretax return on assets | 1.1062% | 2,768 |
| Return on Equity (ROE) | 8.4516% | 2,690 |
| Retained earnings to average equity (ytd only) | 3.6161% | 3,797 |
| Net charge-offs to loans | 0.0628% | 5,512 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 47.1250% | 632 |
| Efficiency ratio | 66.6372% | 4,857 |
| Assets per employee ($millions) | 3.4913% | 4,948 |
| Cash dividends to net income (ytd only)* | 57.2139% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 4,234 |
| Loan loss allowance to noncurrent loans | 112.1118% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 6,347 |
| Noncurrent loans to loans | 1.2847% | 4,814 |
| Net loans and leases to total assets | 33.6930% | 7,431 |
| Net loans and leases to deposits | 43.6302% | 7,332 |
| Net loans and leases to core deposits | 44.4867% | 7,392 |
| Total domestic deposits to total assets | 77.2239% | 6,442 |
| Equity capital to assets | 13.1182% | 1,523 |
| Core capital (leverage) ratio | 12.0247% | 1,631 |
| Tier 1 risk-based capital ratio | 27.6549% | 654 |
| Total risk-based capital ratio | 28.7700% | 649 |
| Memoranda: | ||
| Average total assets | $75,573,000 | 5,814 |
| Average earning assets | $71,105,000 | 5,737 |
| Average equity | $9,513,000 | 5,338 |
| Average total loans | $25,467,000 | 6,775 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9182% | 7,514 |
| Cost of funding earning assets | 1.0018% | 6,371 |
| Net interest margin | 2.9164% | 6,990 |
| Noninterest income to average assets | 0.2190% | 6,395 |
| Noninterest expense to average assets | 1.9192% | 7,303 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9879% | 2,229 |
| Return on assets (ROA) | 1.1682% | 1,699 |
| Pretax return on assets | 1.2203% | 2,296 |
| Return on Equity (ROE) | 9.4710% | 2,305 |
| Retained earnings to average equity (ytd only) | 4.6086% | 3,375 |
| Net charge-offs to loans | -0.0156% | 7,012 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0177% | 5,305 |
| Assets per employee ($millions) | 3.7748% | 4,372 |
| Cash dividends to net income (ytd only)* | 51.3393% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4558% | 4,146 |
| Loan loss allowance to noncurrent loans | 113.4969% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 6,390 |
| Noncurrent loans to loans | 1.2827% | 4,834 |
| Net loans and leases to total assets | 33.1753% | 7,527 |
| Net loans and leases to deposits | 42.7764% | 7,436 |
| Net loans and leases to core deposits | 43.5818% | 7,493 |
| Total domestic deposits to total assets | 77.5551% | 6,437 |
| Equity capital to assets | 12.6364% | 1,687 |
| Core capital (leverage) ratio | 11.5408% | 1,887 |
| Tier 1 risk-based capital ratio | 27.1699% | 696 |
| Total risk-based capital ratio | 28.3007% | 689 |
| Memoranda: | ||
| Average total assets | $76,700,500 | 5,859 |
| Average earning assets | $71,870,000 | 5,780 |
| Average equity | $9,460,500 | 5,403 |
| Average total loans | $25,668,500 | 6,840 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 7,485 |
| Cost of funding earning assets | 1.4375% | 5,774 |
| Net interest margin | 2.9504% | 6,752 |
| Noninterest income to average assets | 0.2148% | 6,573 |
| Noninterest expense to average assets | 2.0486% | 7,283 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9014% | 2,171 |
| Return on assets (ROA) | 1.0636% | 1,661 |
| Pretax return on assets | 1.1042% | 2,240 |
| Return on Equity (ROE) | 8.8001% | 2,089 |
| Retained earnings to average equity (ytd only) | 3.1754% | 2,938 |
| Net charge-offs to loans | -0.0232% | 7,799 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6567% | 4,892 |
| Assets per employee ($millions) | 3.8953% | 4,032 |
| Cash dividends to net income (ytd only)* | 63.9163% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 4,106 |
| Loan loss allowance to noncurrent loans | 124.2424% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 6,497 |
| Noncurrent loans to loans | 1.1458% | 5,040 |
| Net loans and leases to total assets | 32.7989% | 7,630 |
| Net loans and leases to deposits | 44.2942% | 7,504 |
| Net loans and leases to core deposits | 48.9539% | 7,612 |
| Total domestic deposits to total assets | 74.0479% | 7,005 |
| Equity capital to assets | 12.0416% | 2,011 |
| Core capital (leverage) ratio | 11.2846% | 2,058 |
| Tier 1 risk-based capital ratio | 25.8523% | 771 |
| Total risk-based capital ratio | 26.9387% | 775 |
| Memoranda: | ||
| Average total assets | $76,344,000 | 5,832 |
| Average earning assets | $71,651,800 | 5,762 |
| Average equity | $9,227,200 | 5,539 |
| Average total loans | $25,841,800 | 6,862 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4752% | 7,536 |
| Cost of funding earning assets | 1.5409% | 5,669 |
| Net interest margin | 2.9343% | 6,767 |
| Noninterest income to average assets | 0.2036% | 6,764 |
| Noninterest expense to average assets | 2.0503% | 7,282 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8748% | 2,521 |
| Return on assets (ROA) | 0.9743% | 2,205 |
| Pretax return on assets | 1.0146% | 2,861 |
| Return on Equity (ROE) | 8.0531% | 2,613 |
| Retained earnings to average equity (ytd only) | 3.0326% | 3,631 |
| Net charge-offs to loans | -0.0310% | 7,805 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2353% | 4,736 |
| Assets per employee ($millions) | 3.6199% | 4,633 |
| Cash dividends to net income (ytd only)* | 62.3422% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 3,733 |
| Loan loss allowance to noncurrent loans | 133.6957% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3631% | 6,578 |
| Noncurrent loans to loans | 1.0777% | 5,153 |
| Net loans and leases to total assets | 33.2053% | 7,710 |
| Net loans and leases to deposits | 45.5837% | 7,579 |
| Net loans and leases to core deposits | 50.7102% | 7,668 |
| Total domestic deposits to total assets | 72.8446% | 7,101 |
| Equity capital to assets | 12.3984% | 2,005 |
| Core capital (leverage) ratio | 11.2340% | 2,237 |
| Tier 1 risk-based capital ratio | 25.5284% | 852 |
| Total risk-based capital ratio | 26.6115% | 844 |
| Memoranda: | ||
| Average total assets | $75,953,750 | 5,876 |
| Average earning assets | $71,383,750 | 5,806 |
| Average equity | $9,188,750 | 5,598 |
| Average total loans | $25,822,000 | 6,923 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5797% | 7,555 |
| Cost of funding earning assets | 1.6045% | 5,729 |
| Net interest margin | 2.9753% | 6,622 |
| Noninterest income to average assets | 0.1949% | 6,896 |
| Noninterest expense to average assets | 2.0624% | 7,353 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8784% | 2,543 |
| Return on assets (ROA) | 0.9719% | 2,295 |
| Pretax return on assets | 1.0141% | 2,951 |
| Return on Equity (ROE) | 8.1010% | 2,729 |
| Retained earnings to average equity (ytd only) | 3.0516% | 3,618 |
| Net charge-offs to loans | -0.0541% | 7,859 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 4,941 |
| Assets per employee ($millions) | 3.6526% | 4,447 |
| Cash dividends to net income (ytd only)* | 62.3306% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 3,544 |
| Loan loss allowance to noncurrent loans | 149.1935% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.3233% | 6,658 |
| Noncurrent loans to loans | 0.9622% | 5,297 |
| Net loans and leases to total assets | 33.1208% | 7,803 |
| Net loans and leases to deposits | 45.0603% | 7,670 |
| Net loans and leases to core deposits | 49.7435% | 7,766 |
| Total domestic deposits to total assets | 73.5033% | 7,036 |
| Equity capital to assets | 11.8325% | 2,302 |
| Core capital (leverage) ratio | 11.1681% | 2,278 |
| Tier 1 risk-based capital ratio | 25.2969% | 913 |
| Total risk-based capital ratio | 26.3820% | 911 |
| Memoranda: | ||
| Average total assets | $75,932,330 | 5,921 |
| Average earning assets | $71,052,330 | 5,853 |
| Average equity | $9,110,000 | 5,647 |
| Average total loans | $25,892,330 | 6,970 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 7,507 |
| Cost of funding earning assets | 1.6508% | 5,811 |
| Net interest margin | 3.0528% | 6,330 |
| Noninterest income to average assets | 0.1906% | 6,931 |
| Noninterest expense to average assets | 1.9379% | 7,471 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0740% | 2,049 |
| Return on assets (ROA) | 1.2178% | 1,711 |
| Pretax return on assets | 1.2602% | 2,409 |
| Return on Equity (ROE) | 10.0800% | 2,283 |
| Retained earnings to average equity (ytd only) | 5.0400% | 3,104 |
| Net charge-offs to loans | -0.0925% | 7,859 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5417% | 5,774 |
| Assets per employee ($millions) | 3.6699% | 4,402 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 3,209 |
| Loan loss allowance to noncurrent loans | 151.8519% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 6,564 |
| Noncurrent loans to loans | 0.9575% | 5,079 |
| Net loans and leases to total assets | 32.4510% | 7,855 |
| Net loans and leases to deposits | 43.7090% | 7,736 |
| Net loans and leases to core deposits | 48.1600% | 7,830 |
| Total domestic deposits to total assets | 74.2432% | 6,843 |
| Equity capital to assets | 11.9688% | 2,284 |
| Core capital (leverage) ratio | 11.3687% | 2,233 |
| Tier 1 risk-based capital ratio | 25.3223% | 948 |
| Total risk-based capital ratio | 26.4086% | 943 |
| Memoranda: | ||
| Average total assets | $75,546,500 | 5,959 |
| Average earning assets | $70,755,500 | 5,889 |
| Average equity | $9,127,000 | 5,653 |
| Average total loans | $25,951,000 | 7,004 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7358% | 6,661 |
| Cost of funding earning assets | 2.3188% | 5,065 |
| Net interest margin | 3.4170% | 5,590 |
| Noninterest income to average assets | 0.2321% | 6,774 |
| Noninterest expense to average assets | 2.0091% | 7,421 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3729% | 1,292 |
| Return on assets (ROA) | 1.3729% | 1,243 |
| Pretax return on assets | 1.4289% | 1,872 |
| Return on Equity (ROE) | 11.3110% | 1,814 |
| Retained earnings to average equity (ytd only) | 4.6764% | 2,216 |
| Net charge-offs to loans | 0.0311% | 6,390 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 127.7500% | 351 |
| Efficiency ratio | 58.4384% | 6,614 |
| Assets per employee ($millions) | 3.5250% | 4,603 |
| Cash dividends to net income (ytd only)* | 58.6558% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 3,369 |
| Loan loss allowance to noncurrent loans | 140.6977% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 6,200 |
| Noncurrent loans to loans | 0.9727% | 4,649 |
| Net loans and leases to total assets | 35.3403% | 7,856 |
| Net loans and leases to deposits | 46.6419% | 7,766 |
| Net loans and leases to core deposits | 51.3253% | 7,857 |
| Total domestic deposits to total assets | 75.7693% | 6,293 |
| Equity capital to assets | 12.1984% | 2,161 |
| Core capital (leverage) ratio | 11.6571% | 2,148 |
| Tier 1 risk-based capital ratio | 24.7984% | 1,000 |
| Total risk-based capital ratio | 25.8589% | 999 |
| Memoranda: | ||
| Average total assets | $71,526,000 | 5,984 |
| Average earning assets | $67,104,800 | 5,927 |
| Average equity | $8,681,800 | 5,849 |
| Average total loans | $25,703,000 | 6,986 |