Home > Chester National Bank > Performance and Condition Ratios
Chester National Bank, 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 | 4.0684% | 3,856 |
| Cost of funding earning assets | 0.9447% | 3,424 |
| Net interest margin | 3.1237% | 3,040 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.7568% | 1,610 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4740% | 3,726 |
| Return on assets (ROA) | 0.4740% | 3,723 |
| Pretax return on assets | 0.5168% | 3,776 |
| Return on Equity (ROE) | 5.1500% | 3,696 |
| Retained earnings to average equity (ytd only) | 1.0461% | 3,826 |
| Net charge-offs to loans | 0.0069% | 2,420 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 112.6667% | 849 |
| Efficiency ratio | 84.2130% | 653 |
| Assets per employee ($millions) | 4.2805% | 4,051 |
| Cash dividends to net income (ytd only)* | 79.6774% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 3,582 |
| 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 | 68.7100% | 1,956 |
| Net loans and leases to deposits | 76.0879% | 2,446 |
| Net loans and leases to core deposits | 84.6510% | 2,411 |
| Total domestic deposits to total assets | 90.3000% | 678 |
| Equity capital to assets | 9.5535% | 2,309 |
| Core capital (leverage) ratio | 10.1548% | 2,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4914% | 998 |
| Memoranda: | ||
| Average total assets | $65,402,600 | 4,158 |
| Average earning assets | $57,688,800 | 4,167 |
| Average equity | $6,022,600 | 4,160 |
| Average total loans | $43,657,400 | 3,940 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9186% | 3,972 |
| Cost of funding earning assets | 0.8721% | 3,340 |
| Net interest margin | 3.0465% | 3,243 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.7619% | 1,517 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4870% | 3,792 |
| Return on assets (ROA) | 0.4870% | 3,793 |
| Pretax return on assets | 0.4870% | 3,924 |
| Return on Equity (ROE) | 5.3400% | 3,758 |
| Retained earnings to average equity (ytd only) | -0.1557% | 4,169 |
| Net charge-offs to loans | 0.0061% | 2,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 842 |
| Efficiency ratio | 85.0094% | 562 |
| Assets per employee ($millions) | 4.4017% | 4,000 |
| Cash dividends to net income (ytd only)* | 102.9167% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 3,601 |
| 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 | 66.8000% | 2,176 |
| Net loans and leases to deposits | 73.5733% | 2,605 |
| Net loans and leases to core deposits | 79.0823% | 2,665 |
| Total domestic deposits to total assets | 90.7900% | 720 |
| Equity capital to assets | 9.0496% | 2,387 |
| Core capital (leverage) ratio | 9.8279% | 2,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3811% | 1,042 |
| Memoranda: | ||
| Average total assets | $65,701,500 | 4,173 |
| Average earning assets | $57,944,250 | 4,184 |
| Average equity | $5,994,750 | 4,170 |
| Average total loans | $43,438,750 | 3,955 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8316% | 3,980 |
| Cost of funding earning assets | 0.7996% | 3,203 |
| Net interest margin | 3.0321% | 3,346 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 2.7808% | 1,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5275% | 3,751 |
| Return on assets (ROA) | 0.5275% | 3,760 |
| Pretax return on assets | 0.5275% | 3,916 |
| Return on Equity (ROE) | 5.7700% | 3,742 |
| Retained earnings to average equity (ytd only) | 5.7654% | 2,706 |
| Net charge-offs to loans | 0.0093% | 1,861 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 86.5000% | 1,008 |
| Efficiency ratio | 84.0553% | 590 |
| Assets per employee ($millions) | 4.7801% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9510% | 3,617 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 60.7200% | 2,702 |
| Net loans and leases to deposits | 66.4956% | 3,034 |
| Net loans and leases to core deposits | 70.4546% | 3,099 |
| Total domestic deposits to total assets | 91.3100% | 557 |
| Equity capital to assets | 8.5270% | 2,843 |
| Core capital (leverage) ratio | 10.2268% | 2,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1584% | 706 |
| Memoranda: | ||
| Average total assets | $65,593,667 | 4,192 |
| Average earning assets | $57,782,000 | 4,207 |
| Average equity | $6,001,333 | 4,193 |
| Average total loans | $43,077,333 | 3,974 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0217% | 3,411 |
| Cost of funding earning assets | 0.7499% | 2,895 |
| Net interest margin | 3.2718% | 2,945 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.8974% | 1,237 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3390% | 4,190 |
| Return on assets (ROA) | 0.3390% | 4,143 |
| Pretax return on assets | 0.3390% | 4,222 |
| Return on Equity (ROE) | 3.5700% | 4,107 |
| Retained earnings to average equity (ytd only) | 3.5660% | 3,380 |
| Net charge-offs to loans | 0.0188% | 1,301 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,349 |
| Efficiency ratio | 89.5257% | 372 |
| Assets per employee ($millions) | 4.1873% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9623% | 3,666 |
| Loan loss allowance to noncurrent loans | 10,450.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 3,822 |
| Noncurrent loans to loans | 0.0092% | 3,764 |
| Net loans and leases to total assets | 68.4900% | 1,786 |
| Net loans and leases to deposits | 75.8739% | 2,132 |
| Net loans and leases to core deposits | 81.0975% | 2,176 |
| Total domestic deposits to total assets | 90.2700% | 1,060 |
| Equity capital to assets | 9.5639% | 2,091 |
| Core capital (leverage) ratio | 9.8295% | 2,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4108% | 705 |
| Memoranda: | ||
| Average total assets | $62,539,500 | 4,283 |
| Average earning assets | $54,404,500 | 4,300 |
| Average equity | $5,945,000 | 4,247 |
| Average total loans | $42,639,000 | 4,025 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2236% | 3,773 |
| Cost of funding earning assets | 0.2734% | 3,117 |
| Net interest margin | 2.9502% | 3,571 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.8861% | 1,145 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0431% | 4,542 |
| Return on assets (ROA) | 0.0431% | 4,529 |
| Pretax return on assets | 0.0431% | 4,523 |
| Return on Equity (ROE) | 0.4700% | 4,521 |
| Retained earnings to average equity (ytd only) | -3.1101% | 4,522 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 98.5286% | 165 |
| Assets per employee ($millions) | 4.1513% | 4,225 |
| Cash dividends to net income (ytd only)* | 767.8571% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,355 |
| Loan loss allowance to noncurrent loans | 4,666.6667% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 3,720 |
| Noncurrent loans to loans | 0.0215% | 3,651 |
| Net loans and leases to total assets | 66.5200% | 1,978 |
| Net loans and leases to deposits | 73.5915% | 2,286 |
| Net loans and leases to core deposits | 77.7845% | 2,297 |
| Total domestic deposits to total assets | 90.3900% | 1,203 |
| Equity capital to assets | 9.3881% | 2,083 |
| Core capital (leverage) ratio | 9.9902% | 2,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3782% | 594 |
| Memoranda: | ||
| Average total assets | $64,967,000 | 4,283 |
| Average earning assets | $55,962,800 | 4,312 |
| Average equity | $6,012,600 | 4,329 |
| Average total loans | $40,125,200 | 4,062 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0575% | 3,775 |
| Cost of funding earning assets | 0.2241% | 2,998 |
| Net interest margin | 2.8334% | 3,664 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.8579% | 1,129 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.1198% | 4,629 |
| Return on assets (ROA) | -0.1198% | 4,606 |
| Pretax return on assets | -0.1198% | 4,603 |
| Return on Equity (ROE) | -1.3000% | 4,599 |
| Retained earnings to average equity (ytd only) | -6.0342% | 4,624 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 104.3769% | 125 |
| Assets per employee ($millions) | 4.2321% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 3,238 |
| Loan loss allowance to noncurrent loans | 794.3396% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 3,085 |
| Noncurrent loans to loans | 0.1325% | 2,973 |
| Net loans and leases to total assets | 62.3400% | 2,247 |
| Net loans and leases to deposits | 68.6946% | 2,482 |
| Net loans and leases to core deposits | 70.2991% | 2,620 |
| Total domestic deposits to total assets | 90.7600% | 1,334 |
| Equity capital to assets | 8.9838% | 2,224 |
| Core capital (leverage) ratio | 9.8920% | 2,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3623% | 532 |
| Memoranda: | ||
| Average total assets | $65,641,250 | 4,306 |
| Average earning assets | $56,515,750 | 4,336 |
| Average equity | $6,054,250 | 4,367 |
| Average total loans | $39,696,250 | 4,084 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9486% | 3,677 |
| Cost of funding earning assets | 0.2184% | 2,660 |
| Net interest margin | 2.7302% | 3,642 |
| Noninterest income to average assets | 0.2923% | 3,418 |
| Noninterest expense to average assets | 2.8842% | 1,019 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.2562% | 4,647 |
| Return on assets (ROA) | -0.2562% | 4,623 |
| Pretax return on assets | -0.2562% | 4,610 |
| Return on Equity (ROE) | -2.7547% | 4,635 |
| Retained earnings to average equity (ytd only) | -2.7547% | 4,439 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7477% | 114 |
| Assets per employee ($millions) | 4.3657% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,317 |
| Loan loss allowance to noncurrent loans | 794.3396% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 3,172 |
| Noncurrent loans to loans | 0.1336% | 3,043 |
| Net loans and leases to total assets | 59.9160% | 2,331 |
| Net loans and leases to deposits | 66.1519% | 2,536 |
| Net loans and leases to core deposits | 68.0047% | 2,654 |
| Total domestic deposits to total assets | 90.5734% | 1,426 |
| Equity capital to assets | 9.1960% | 2,235 |
| Core capital (leverage) ratio | 9.6269% | 2,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5510% | 653 |
| Memoranda: | ||
| Average total assets | $66,361,333 | 4,335 |
| Average earning assets | $56,772,000 | 4,389 |
| Average equity | $6,171,333 | 4,398 |
| Average total loans | $39,595,667 | 4,144 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8517% | 3,644 |
| Cost of funding earning assets | 0.2215% | 2,510 |
| Net interest margin | 2.6302% | 3,585 |
| Noninterest income to average assets | 0.3653% | 2,897 |
| Noninterest expense to average assets | 2.8743% | 1,007 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.2335% | 4,648 |
| Return on assets (ROA) | -0.2335% | 4,632 |
| Pretax return on assets | -0.2335% | 4,621 |
| Return on Equity (ROE) | -2.4976% | 4,652 |
| Retained earnings to average equity (ytd only) | -2.4976% | 4,283 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.8435% | 141 |
| Assets per employee ($millions) | 4.3885% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,469 |
| 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 | 59.2377% | 2,158 |
| Net loans and leases to deposits | 65.4476% | 2,386 |
| Net loans and leases to core deposits | 67.2687% | 2,514 |
| Total domestic deposits to total assets | 90.5116% | 1,292 |
| Equity capital to assets | 9.3061% | 2,435 |
| Core capital (leverage) ratio | 9.5617% | 2,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3229% | 471 |
| Memoranda: | ||
| Average total assets | $66,799,500 | 4,355 |
| Average earning assets | $57,790,000 | 4,406 |
| Average equity | $6,246,000 | 4,444 |
| Average total loans | $39,565,000 | 4,165 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9384% | 3,983 |
| Cost of funding earning assets | 0.2749% | 2,652 |
| Net interest margin | 2.6635% | 3,937 |
| Noninterest income to average assets | 0.3750% | 3,188 |
| Noninterest expense to average assets | 2.3161% | 2,748 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3555% | 4,337 |
| Return on assets (ROA) | 0.3555% | 4,366 |
| Pretax return on assets | 0.3840% | 4,415 |
| Return on Equity (ROE) | 3.7617% | 4,251 |
| Retained earnings to average equity (ytd only) | 3.7617% | 3,306 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7778% | 486 |
| Assets per employee ($millions) | 4.2357% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 3,540 |
| Loan loss allowance to noncurrent loans | 875.0000% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 3,467 |
| Noncurrent loans to loans | 0.1209% | 3,326 |
| Net loans and leases to total assets | 57.9820% | 2,376 |
| Net loans and leases to deposits | 64.1153% | 2,677 |
| Net loans and leases to core deposits | 65.5124% | 2,862 |
| Total domestic deposits to total assets | 90.4340% | 744 |
| Equity capital to assets | 9.3934% | 3,233 |
| Core capital (leverage) ratio | 9.6276% | 2,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5204% | 598 |
| Memoranda: | ||
| Average total assets | $66,664,000 | 4,374 |
| Average earning assets | $58,194,200 | 4,408 |
| Average equity | $6,300,400 | 4,502 |
| Average total loans | $39,361,400 | 4,205 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9812% | 4,041 |
| Cost of funding earning assets | 0.2901% | 2,688 |
| Net interest margin | 2.6911% | 3,998 |
| Noninterest income to average assets | 0.3776% | 3,218 |
| Noninterest expense to average assets | 2.3076% | 2,730 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3233% | 4,486 |
| Return on assets (ROA) | 0.3233% | 4,513 |
| Pretax return on assets | 0.4177% | 4,474 |
| Return on Equity (ROE) | 3.4160% | 4,398 |
| Retained earnings to average equity (ytd only) | 3.4160% | 3,762 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6721% | 489 |
| Assets per employee ($millions) | 4.0686% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 3,490 |
| Loan loss allowance to noncurrent loans | 893.6170% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 3,628 |
| Noncurrent loans to loans | 0.1219% | 3,486 |
| Net loans and leases to total assets | 58.5993% | 2,410 |
| Net loans and leases to deposits | 65.1762% | 2,716 |
| Net loans and leases to core deposits | 66.6603% | 2,895 |
| Total domestic deposits to total assets | 89.9091% | 810 |
| Equity capital to assets | 9.7591% | 3,141 |
| Core capital (leverage) ratio | 9.8354% | 2,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0182% | 599 |
| Memoranda: | ||
| Average total assets | $66,387,250 | 4,432 |
| Average earning assets | $57,917,750 | 4,472 |
| Average equity | $6,284,000 | 4,566 |
| Average total loans | $39,273,000 | 4,266 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0284% | 3,990 |
| Cost of funding earning assets | 0.3046% | 2,742 |
| Net interest margin | 2.7239% | 3,935 |
| Noninterest income to average assets | 0.3771% | 3,233 |
| Noninterest expense to average assets | 2.3916% | 2,490 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2903% | 4,536 |
| Return on assets (ROA) | 0.2903% | 4,555 |
| Pretax return on assets | 0.3682% | 4,531 |
| Return on Equity (ROE) | 3.0985% | 4,458 |
| Retained earnings to average equity (ytd only) | 3.0985% | 3,811 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6594% | 450 |
| Assets per employee ($millions) | 4.1239% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 3,349 |
| Loan loss allowance to noncurrent loans | 893.6170% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 3,736 |
| Noncurrent loans to loans | 0.1248% | 3,564 |
| Net loans and leases to total assets | 56.4578% | 2,845 |
| Net loans and leases to deposits | 62.5916% | 3,141 |
| Net loans and leases to core deposits | 64.7107% | 3,217 |
| Total domestic deposits to total assets | 90.2004% | 684 |
| Equity capital to assets | 9.5208% | 3,314 |
| Core capital (leverage) ratio | 9.3693% | 3,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2612% | 594 |
| Memoranda: | ||
| Average total assets | $66,817,000 | 4,453 |
| Average earning assets | $58,446,333 | 4,491 |
| Average equity | $6,261,000 | 4,597 |
| Average total loans | $39,508,333 | 4,289 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1162% | 3,850 |
| Cost of funding earning assets | 0.3096% | 2,893 |
| Net interest margin | 2.8066% | 3,752 |
| Noninterest income to average assets | 0.3629% | 3,273 |
| Noninterest expense to average assets | 2.2607% | 2,906 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4759% | 4,223 |
| Return on assets (ROA) | 0.4759% | 4,258 |
| Pretax return on assets | 0.5830% | 4,214 |
| Return on Equity (ROE) | 5.1196% | 4,068 |
| Retained earnings to average equity (ytd only) | 5.1196% | 3,187 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4979% | 849 |
| Assets per employee ($millions) | 4.1941% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,631 |
| Loan loss allowance to noncurrent loans | 893.6170% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.0700% | 3,871 |
| Noncurrent loans to loans | 0.1179% | 3,723 |
| Net loans and leases to total assets | 58.7727% | 2,710 |
| Net loans and leases to deposits | 64.9764% | 3,028 |
| Net loans and leases to core deposits | 67.5030% | 3,104 |
| Total domestic deposits to total assets | 90.4524% | 602 |
| Equity capital to assets | 9.3553% | 3,326 |
| Core capital (leverage) ratio | 9.3759% | 3,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1523% | 666 |
| Memoranda: | ||
| Average total assets | $67,234,500 | 4,469 |
| Average earning assets | $59,430,500 | 4,495 |
| Average equity | $6,250,500 | 4,616 |
| Average total loans | $40,426,500 | 4,293 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3887% | 4,210 |
| Cost of funding earning assets | 0.4420% | 3,336 |
| Net interest margin | 2.9467% | 4,016 |
| Noninterest income to average assets | 0.3838% | 3,185 |
| Noninterest expense to average assets | 2.6761% | 2,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2871% | 4,452 |
| Return on assets (ROA) | 0.2871% | 4,516 |
| Pretax return on assets | 0.3178% | 4,523 |
| Return on Equity (ROE) | 2.4272% | 4,501 |
| Retained earnings to average equity (ytd only) | 0.5581% | 4,360 |
| Net charge-offs to loans | 0.0024% | 3,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 207.0000% | 456 |
| Efficiency ratio | 89.3846% | 395 |
| Assets per employee ($millions) | 4.2102% | 4,205 |
| Cash dividends to net income (ytd only)* | 77.0053% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 3,781 |
| Loan loss allowance to noncurrent loans | 14,000.0000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 4,435 |
| Noncurrent loans to loans | 0.0073% | 4,360 |
| Net loans and leases to total assets | 60.2304% | 2,833 |
| Net loans and leases to deposits | 66.4695% | 3,227 |
| Net loans and leases to core deposits | 69.0334% | 3,330 |
| Total domestic deposits to total assets | 90.6135% | 329 |
| Equity capital to assets | 9.2380% | 3,849 |
| Core capital (leverage) ratio | 9.2555% | 3,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5782% | 706 |
| Memoranda: | ||
| Average total assets | $65,132,400 | 4,443 |
| Average earning assets | $57,691,400 | 4,472 |
| Average equity | $7,704,400 | 4,457 |
| Average total loans | $42,397,600 | 4,267 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5001% | 4,213 |
| Cost of funding earning assets | 0.4749% | 3,392 |
| Net interest margin | 3.0251% | 3,916 |
| Noninterest income to average assets | 0.3923% | 3,118 |
| Noninterest expense to average assets | 2.8246% | 1,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1920% | 4,610 |
| Return on assets (ROA) | 0.1920% | 4,648 |
| Pretax return on assets | 0.2374% | 4,615 |
| Return on Equity (ROE) | 1.5356% | 4,615 |
| Retained earnings to average equity (ytd only) | 1.5356% | 4,073 |
| Net charge-offs to loans | 0.0031% | 3,061 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 717 |
| Efficiency ratio | 92.2454% | 302 |
| Assets per employee ($millions) | 4.2154% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 3,639 |
| Loan loss allowance to noncurrent loans | 318.1818% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 3,458 |
| Noncurrent loans to loans | 0.3188% | 3,142 |
| Net loans and leases to total assets | 60.7597% | 3,133 |
| Net loans and leases to deposits | 74.0674% | 2,950 |
| Net loans and leases to core deposits | 77.2741% | 3,071 |
| Total domestic deposits to total assets | 82.0330% | 3,412 |
| Equity capital to assets | 11.8139% | 1,789 |
| Core capital (leverage) ratio | 11.8609% | 1,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9464% | 367 |
| Memoranda: | ||
| Average total assets | $64,574,750 | 4,464 |
| Average earning assets | $56,988,000 | 4,500 |
| Average equity | $8,074,750 | 4,431 |
| Average total loans | $42,748,750 | 4,284 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6570% | 4,160 |
| Cost of funding earning assets | 0.5112% | 3,468 |
| Net interest margin | 3.1458% | 3,795 |
| Noninterest income to average assets | 0.3961% | 3,104 |
| Noninterest expense to average assets | 2.8640% | 1,930 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2515% | 4,507 |
| Return on assets (ROA) | 0.2515% | 4,547 |
| Pretax return on assets | 0.2987% | 4,542 |
| Return on Equity (ROE) | 1.9728% | 4,538 |
| Retained earnings to average equity (ytd only) | 1.9728% | 3,769 |
| Net charge-offs to loans | 0.0046% | 2,813 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 719 |
| Efficiency ratio | 90.5567% | 375 |
| Assets per employee ($millions) | 4.1383% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,510 |
| Loan loss allowance to noncurrent loans | 99.5261% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.6373% | 1,905 |
| Noncurrent loans to loans | 1.0180% | 1,526 |
| Net loans and leases to total assets | 61.9727% | 3,130 |
| Net loans and leases to deposits | 75.7882% | 2,899 |
| Net loans and leases to core deposits | 79.1368% | 3,018 |
| Total domestic deposits to total assets | 81.7710% | 3,432 |
| Equity capital to assets | 12.0233% | 1,643 |
| Core capital (leverage) ratio | 12.4549% | 1,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3964% | 386 |
| Memoranda: | ||
| Average total assets | $63,617,667 | 4,489 |
| Average earning assets | $55,947,333 | 4,531 |
| Average equity | $8,110,333 | 4,445 |
| Average total loans | $43,198,333 | 4,285 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8454% | 4,143 |
| Cost of funding earning assets | 0.5743% | 3,566 |
| Net interest margin | 3.2712% | 3,664 |
| Noninterest income to average assets | 0.4044% | 3,063 |
| Noninterest expense to average assets | 2.9461% | 2,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2953% | 4,358 |
| Return on assets (ROA) | 0.2953% | 4,380 |
| Pretax return on assets | 0.3466% | 4,383 |
| Return on Equity (ROE) | 2.2480% | 4,395 |
| Retained earnings to average equity (ytd only) | 2.2480% | 3,352 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4737% | 513 |
| Assets per employee ($millions) | 3.7826% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 3,901 |
| 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 | 71.9243% | 1,930 |
| Net loans and leases to deposits | 82.9443% | 2,339 |
| Net loans and leases to core deposits | 86.7201% | 2,624 |
| Total domestic deposits to total assets | 86.7139% | 1,684 |
| Equity capital to assets | 13.0663% | 1,397 |
| Core capital (leverage) ratio | 13.0727% | 1,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9489% | 498 |
| Memoranda: | ||
| Average total assets | $62,320,000 | 4,527 |
| Average earning assets | $55,026,500 | 4,561 |
| Average equity | $8,185,000 | 4,468 |
| Average total loans | $44,070,500 | 4,278 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8817% | 4,468 |
| Cost of funding earning assets | 0.6780% | 3,271 |
| Net interest margin | 3.2038% | 4,177 |
| Noninterest income to average assets | 0.3555% | 3,576 |
| Noninterest expense to average assets | 2.7602% | 2,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4025% | 4,590 |
| Return on assets (ROA) | 0.4152% | 4,604 |
| Pretax return on assets | 0.4391% | 4,654 |
| Return on Equity (ROE) | 3.2889% | 4,611 |
| Retained earnings to average equity (ytd only) | 0.2721% | 4,613 |
| Net charge-offs to loans | 0.0045% | 3,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 142.5000% | 513 |
| Efficiency ratio | 86.6385% | 509 |
| Assets per employee ($millions) | 4.0074% | 3,894 |
| Cash dividends to net income (ytd only)* | 91.7266% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 3,732 |
| 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 | 68.2632% | 2,644 |
| Net loans and leases to deposits | 78.9043% | 2,914 |
| Net loans and leases to core deposits | 81.8786% | 3,134 |
| Total domestic deposits to total assets | 86.5139% | 1,840 |
| Equity capital to assets | 13.1975% | 1,416 |
| Core capital (leverage) ratio | 13.1482% | 1,175 |
| Tier 1 risk-based capital ratio | 23.6886% | 853 |
| Total risk-based capital ratio | 24.8683% | 844 |
| Memoranda: | ||
| Average total assets | $66,952,200 | 4,483 |
| Average earning assets | $59,148,600 | 4,532 |
| Average equity | $8,452,800 | 4,453 |
| Average total loans | $44,647,800 | 4,289 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8809% | 4,565 |
| Cost of funding earning assets | 0.6821% | 3,296 |
| Net interest margin | 3.1988% | 4,305 |
| Noninterest income to average assets | 0.3508% | 3,627 |
| Noninterest expense to average assets | 2.7351% | 2,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3710% | 4,768 |
| Return on assets (ROA) | 0.3843% | 4,772 |
| Pretax return on assets | 0.4591% | 4,746 |
| Return on Equity (ROE) | 3.0766% | 4,755 |
| Retained earnings to average equity (ytd only) | 3.0766% | 3,860 |
| Net charge-offs to loans | 0.0060% | 3,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 112.3558% | 689 |
| Efficiency ratio | 86.0508% | 498 |
| Assets per employee ($millions) | 3.8351% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 3,859 |
| Loan loss allowance to noncurrent loans | 42,100.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,771 |
| Noncurrent loans to loans | 0.0022% | 4,685 |
| Net loans and leases to total assets | 72.1598% | 2,153 |
| Net loans and leases to deposits | 84.2428% | 2,429 |
| Net loans and leases to core deposits | 89.5066% | 2,586 |
| Total domestic deposits to total assets | 85.6570% | 2,137 |
| Equity capital to assets | 14.0839% | 1,119 |
| Core capital (leverage) ratio | 13.8309% | 1,031 |
| Tier 1 risk-based capital ratio | 23.9859% | 843 |
| Total risk-based capital ratio | 25.1564% | 837 |
| Memoranda: | ||
| Average total assets | $67,660,750 | 4,523 |
| Average earning assets | $59,813,500 | 4,574 |
| Average equity | $8,450,500 | 4,501 |
| Average total loans | $44,762,250 | 4,339 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8384% | 4,653 |
| Cost of funding earning assets | 0.6949% | 3,193 |
| Net interest margin | 3.1434% | 4,465 |
| Noninterest income to average assets | 0.3412% | 3,652 |
| Noninterest expense to average assets | 2.6634% | 3,023 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3790% | 4,764 |
| Return on assets (ROA) | 0.3670% | 4,802 |
| Pretax return on assets | 0.4386% | 4,775 |
| Return on Equity (ROE) | 3.0525% | 4,786 |
| Retained earnings to average equity (ytd only) | 3.0525% | 3,695 |
| Net charge-offs to loans | 0.0089% | 2,818 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 826 |
| Efficiency ratio | 85.4646% | 572 |
| Assets per employee ($millions) | 3.9927% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 3,944 |
| 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 | 69.8668% | 2,546 |
| Net loans and leases to deposits | 80.8261% | 2,867 |
| Net loans and leases to core deposits | 84.7956% | 3,052 |
| Total domestic deposits to total assets | 86.4408% | 1,839 |
| Equity capital to assets | 13.3885% | 1,378 |
| Core capital (leverage) ratio | 12.6163% | 1,477 |
| Tier 1 risk-based capital ratio | 22.6237% | 981 |
| Total risk-based capital ratio | 23.7365% | 979 |
| Memoranda: | ||
| Average total assets | $69,760,670 | 4,523 |
| Average earning assets | $61,588,670 | 4,577 |
| Average equity | $8,386,670 | 4,531 |
| Average total loans | $44,783,330 | 4,370 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7186% | 4,816 |
| Cost of funding earning assets | 0.6636% | 3,242 |
| Net interest margin | 3.0550% | 4,659 |
| Noninterest income to average assets | 0.3136% | 3,763 |
| Noninterest expense to average assets | 2.6465% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2806% | 4,921 |
| Return on assets (ROA) | 0.2806% | 4,934 |
| Pretax return on assets | 0.3521% | 4,900 |
| Return on Equity (ROE) | 2.4568% | 4,899 |
| Retained earnings to average equity (ytd only) | 2.4568% | 3,938 |
| Net charge-offs to loans | 0.0179% | 2,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,288 |
| Efficiency ratio | 88.2569% | 470 |
| Assets per employee ($millions) | 4.5089% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9299% | 4,036 |
| Loan loss allowance to noncurrent loans | 42,100.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,893 |
| Noncurrent loans to loans | 0.0022% | 4,802 |
| Net loans and leases to total assets | 62.1746% | 3,486 |
| Net loans and leases to deposits | 76.5179% | 3,213 |
| Net loans and leases to core deposits | 79.1872% | 3,436 |
| Total domestic deposits to total assets | 81.2550% | 3,917 |
| Equity capital to assets | 11.6506% | 2,269 |
| Core capital (leverage) ratio | 11.9827% | 1,787 |
| Tier 1 risk-based capital ratio | 21.2633% | 1,132 |
| Total risk-based capital ratio | 22.3186% | 1,132 |
| Memoranda: | ||
| Average total assets | $72,699,500 | 4,525 |
| Average earning assets | $63,894,500 | 4,583 |
| Average equity | $8,303,500 | 4,573 |
| Average total loans | $44,648,000 | 4,419 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3703% | 5,033 |
| Cost of funding earning assets | 0.3158% | 4,495 |
| Net interest margin | 3.0545% | 4,721 |
| Noninterest income to average assets | 0.2945% | 4,137 |
| Noninterest expense to average assets | 2.2849% | 4,157 |
| Loan and lease loss provision to assets | 0.0184% | 3,791 |
| Net operating income to assets | 0.6811% | 4,198 |
| Return on assets (ROA) | 0.6811% | 4,201 |
| Pretax return on assets | 0.7805% | 4,226 |
| Return on Equity (ROE) | 6.7089% | 3,928 |
| Retained earnings to average equity (ytd only) | 0.3143% | 4,906 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0947% | 1,616 |
| Assets per employee ($millions) | 4.5786% | 3,050 |
| Cash dividends to net income (ytd only)* | 95.3153% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 3,911 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 59.5138% | 3,820 |
| Net loans and leases to deposits | 67.1203% | 4,038 |
| Net loans and leases to core deposits | 69.9965% | 4,116 |
| Total domestic deposits to total assets | 88.6673% | 996 |
| Equity capital to assets | 11.1962% | 2,517 |
| Core capital (leverage) ratio | 11.2256% | 2,325 |
| Tier 1 risk-based capital ratio | 20.8910% | 1,165 |
| Total risk-based capital ratio | 21.9392% | 1,171 |
| Memoranda: | ||
| Average total assets | $81,490,400 | 4,408 |
| Average earning assets | $74,415,800 | 4,412 |
| Average equity | $8,272,600 | 4,562 |
| Average total loans | $42,631,000 | 4,481 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2650% | 5,153 |
| Cost of funding earning assets | 0.2771% | 4,645 |
| Net interest margin | 2.9879% | 4,868 |
| Noninterest income to average assets | 0.2936% | 4,186 |
| Noninterest expense to average assets | 2.2294% | 4,254 |
| Loan and lease loss provision to assets | 0.0239% | 3,541 |
| Net operating income to assets | 0.6463% | 4,376 |
| Return on assets (ROA) | 0.6463% | 4,386 |
| Pretax return on assets | 0.7931% | 4,311 |
| Return on Equity (ROE) | 6.5136% | 4,101 |
| Retained earnings to average equity (ytd only) | 0.8202% | 4,897 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1797% | 1,705 |
| Assets per employee ($millions) | 5.3305% | 2,094 |
| Cash dividends to net income (ytd only)* | 87.4072% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 3,931 |
| Loan loss allowance to noncurrent loans | 1,175.0000% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 4,749 |
| Noncurrent loans to loans | 0.0828% | 4,506 |
| Net loans and leases to total assets | 53.8758% | 4,367 |
| Net loans and leases to deposits | 60.1656% | 4,537 |
| Net loans and leases to core deposits | 62.2425% | 4,600 |
| Total domestic deposits to total assets | 89.5458% | 659 |
| Equity capital to assets | 10.3429% | 3,293 |
| Core capital (leverage) ratio | 10.2481% | 3,349 |
| Tier 1 risk-based capital ratio | 20.9121% | 1,195 |
| Total risk-based capital ratio | 21.9582% | 1,201 |
| Memoranda: | ||
| Average total assets | $83,548,750 | 4,412 |
| Average earning assets | $76,975,000 | 4,411 |
| Average equity | $8,290,250 | 4,605 |
| Average total loans | $42,283,500 | 4,535 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1783% | 5,245 |
| Cost of funding earning assets | 0.2661% | 4,662 |
| Net interest margin | 2.9121% | 4,998 |
| Noninterest income to average assets | 0.2926% | 4,222 |
| Noninterest expense to average assets | 2.1948% | 4,382 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5876% | 4,538 |
| Return on assets (ROA) | 0.5876% | 4,535 |
| Pretax return on assets | 0.7835% | 4,296 |
| Return on Equity (ROE) | 6.0022% | 4,242 |
| Retained earnings to average equity (ytd only) | 1.3017% | 4,686 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6926% | 1,749 |
| Assets per employee ($millions) | 5.1987% | 2,192 |
| Cash dividends to net income (ytd only)* | 78.3133% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 4,080 |
| Loan loss allowance to noncurrent loans | 1,133.3333% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 4,807 |
| Noncurrent loans to loans | 0.0845% | 4,532 |
| Net loans and leases to total assets | 50.7580% | 4,563 |
| Net loans and leases to deposits | 56.4159% | 4,730 |
| Net loans and leases to core deposits | 58.2739% | 4,782 |
| Total domestic deposits to total assets | 89.9710% | 587 |
| Equity capital to assets | 9.9268% | 3,697 |
| Core capital (leverage) ratio | 10.2226% | 3,336 |
| Tier 1 risk-based capital ratio | 21.0350% | 1,169 |
| Total risk-based capital ratio | 22.0495% | 1,183 |
| Memoranda: | ||
| Average total assets | $84,745,670 | 4,434 |
| Average earning assets | $78,156,000 | 4,434 |
| Average equity | $8,297,000 | 4,646 |
| Average total loans | $41,877,670 | 4,588 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1012% | 5,312 |
| Cost of funding earning assets | 0.2483% | 4,718 |
| Net interest margin | 2.8529% | 5,095 |
| Noninterest income to average assets | 0.2900% | 4,230 |
| Noninterest expense to average assets | 2.2074% | 4,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4396% | 4,842 |
| Return on assets (ROA) | 0.4396% | 4,846 |
| Pretax return on assets | 0.7155% | 4,397 |
| Return on Equity (ROE) | 4.5209% | 4,627 |
| Retained earnings to average equity (ytd only) | 4.5209% | 3,395 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5200% | 1,663 |
| Assets per employee ($millions) | 5.3375% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 4,076 |
| Loan loss allowance to noncurrent loans | 224.1758% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 4,028 |
| Noncurrent loans to loans | 0.4362% | 3,219 |
| Net loans and leases to total assets | 48.3770% | 4,673 |
| Net loans and leases to deposits | 53.6580% | 4,815 |
| Net loans and leases to core deposits | 55.3725% | 4,859 |
| Total domestic deposits to total assets | 90.1581% | 598 |
| Equity capital to assets | 9.7225% | 3,866 |
| Core capital (leverage) ratio | 9.8047% | 3,754 |
| Tier 1 risk-based capital ratio | 21.0888% | 1,192 |
| Total risk-based capital ratio | 22.1012% | 1,205 |
| Memoranda: | ||
| Average total assets | $85,529,000 | 4,464 |
| Average earning assets | $78,936,000 | 4,468 |
| Average equity | $8,317,000 | 4,697 |
| Average total loans | $41,502,500 | 4,643 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9562% | 5,382 |
| Cost of funding earning assets | 0.2395% | 4,653 |
| Net interest margin | 2.7167% | 5,262 |
| Noninterest income to average assets | 0.2812% | 4,450 |
| Noninterest expense to average assets | 2.0985% | 4,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5864% | 4,073 |
| Return on assets (ROA) | 0.6005% | 4,050 |
| Pretax return on assets | 0.7130% | 4,480 |
| Return on Equity (ROE) | 6.2334% | 3,655 |
| Retained earnings to average equity (ytd only) | -3.3268% | 5,360 |
| Net charge-offs to loans | 0.0099% | 3,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 154.7500% | 470 |
| Efficiency ratio | 75.0905% | 1,752 |
| Assets per employee ($millions) | 5.3536% | 2,102 |
| Cash dividends to net income (ytd only)* | 153.3708% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 4,014 |
| Loan loss allowance to noncurrent loans | 1,165.7143% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 4,929 |
| Noncurrent loans to loans | 0.0848% | 4,624 |
| Net loans and leases to total assets | 47.7188% | 4,789 |
| Net loans and leases to deposits | 52.9215% | 4,935 |
| Net loans and leases to core deposits | 54.6048% | 4,982 |
| Total domestic deposits to total assets | 90.1690% | 511 |
| Equity capital to assets | 9.7259% | 4,001 |
| Core capital (leverage) ratio | 9.7307% | 3,771 |
| Tier 1 risk-based capital ratio | 20.7341% | 1,188 |
| Total risk-based capital ratio | 21.7404% | 1,201 |
| Memoranda: | ||
| Average total assets | $88,919,600 | 4,442 |
| Average earning assets | $82,268,600 | 4,430 |
| Average equity | $8,566,800 | 4,695 |
| Average total loans | $40,292,200 | 4,725 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9170% | 5,472 |
| Cost of funding earning assets | 0.2327% | 4,724 |
| Net interest margin | 2.6843% | 5,339 |
| Noninterest income to average assets | 0.2779% | 4,525 |
| Noninterest expense to average assets | 2.0727% | 4,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5943% | 4,412 |
| Return on assets (ROA) | 0.6122% | 4,390 |
| Pretax return on assets | 0.7117% | 4,580 |
| Return on Equity (ROE) | 6.3684% | 3,957 |
| Retained earnings to average equity (ytd only) | -0.7729% | 5,329 |
| Net charge-offs to loans | 0.0067% | 3,491 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 232.2022% | 378 |
| Efficiency ratio | 75.0000% | 1,742 |
| Assets per employee ($millions) | 5.3294% | 2,088 |
| Cash dividends to net income (ytd only)* | 112.1350% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 4,026 |
| Loan loss allowance to noncurrent loans | 1,025.0000% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 4,997 |
| Noncurrent loans to loans | 0.0980% | 4,673 |
| Net loans and leases to total assets | 47.3906% | 4,864 |
| Net loans and leases to deposits | 52.7422% | 5,014 |
| Net loans and leases to core deposits | 54.1406% | 5,068 |
| Total domestic deposits to total assets | 89.8534% | 523 |
| Equity capital to assets | 10.0610% | 3,847 |
| Core capital (leverage) ratio | 9.9233% | 3,664 |
| Tier 1 risk-based capital ratio | 21.7965% | 1,066 |
| Total risk-based capital ratio | 22.8307% | 1,083 |
| Memoranda: | ||
| Average total assets | $89,735,000 | 4,473 |
| Average earning assets | $83,098,250 | 4,458 |
| Average equity | $8,625,750 | 4,727 |
| Average total loans | $40,044,500 | 4,778 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8454% | 5,537 |
| Cost of funding earning assets | 0.2247% | 4,759 |
| Net interest margin | 2.6207% | 5,422 |
| Noninterest income to average assets | 0.2762% | 4,572 |
| Noninterest expense to average assets | 2.0324% | 4,904 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5781% | 4,397 |
| Return on assets (ROA) | 0.6007% | 4,345 |
| Pretax return on assets | 0.6994% | 4,548 |
| Return on Equity (ROE) | 6.3416% | 3,895 |
| Retained earnings to average equity (ytd only) | -1.0415% | 5,241 |
| Net charge-offs to loans | 0.0101% | 3,106 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 153.5000% | 496 |
| Efficiency ratio | 75.1216% | 1,838 |
| Assets per employee ($millions) | 5.5612% | 1,819 |
| Cash dividends to net income (ytd only)* | 116.4234% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 4,086 |
| Loan loss allowance to noncurrent loans | 5,125.0000% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 5,181 |
| Noncurrent loans to loans | 0.0197% | 5,088 |
| Net loans and leases to total assets | 45.1803% | 4,983 |
| Net loans and leases to deposits | 50.0517% | 5,136 |
| Net loans and leases to core deposits | 51.3154% | 5,175 |
| Total domestic deposits to total assets | 90.2674% | 440 |
| Equity capital to assets | 9.6596% | 4,267 |
| Core capital (leverage) ratio | 9.6780% | 3,924 |
| Tier 1 risk-based capital ratio | 21.7981% | 1,076 |
| Total risk-based capital ratio | 22.8318% | 1,082 |
| Memoranda: | ||
| Average total assets | $91,223,330 | 4,474 |
| Average earning assets | $84,557,000 | 4,453 |
| Average equity | $8,641,330 | 4,744 |
| Average total loans | $39,786,000 | 4,814 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7890% | 5,603 |
| Cost of funding earning assets | 0.2242% | 4,762 |
| Net interest margin | 2.5648% | 5,490 |
| Noninterest income to average assets | 0.2686% | 4,621 |
| Noninterest expense to average assets | 2.0012% | 5,048 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5519% | 4,369 |
| Return on assets (ROA) | 0.5631% | 4,363 |
| Pretax return on assets | 0.6584% | 4,568 |
| Return on Equity (ROE) | 6.0015% | 3,911 |
| Retained earnings to average equity (ytd only) | 6.0015% | 2,337 |
| Net charge-offs to loans | 0.0102% | 2,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 149.0000% | 368 |
| Efficiency ratio | 75.6137% | 1,969 |
| Assets per employee ($millions) | 5.7199% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0209% | 4,157 |
| Loan loss allowance to noncurrent loans | 5,871.4286% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 5,253 |
| Noncurrent loans to loans | 0.0174% | 5,162 |
| Net loans and leases to total assets | 43.5418% | 5,065 |
| Net loans and leases to deposits | 48.1903% | 5,212 |
| Net loans and leases to core deposits | 49.3706% | 5,245 |
| Total domestic deposits to total assets | 90.3539% | 529 |
| Equity capital to assets | 9.5477% | 4,231 |
| Core capital (leverage) ratio | 9.4608% | 4,160 |
| Tier 1 risk-based capital ratio | 22.3138% | 1,050 |
| Total risk-based capital ratio | 23.3534% | 1,058 |
| Memoranda: | ||
| Average total assets | $92,345,500 | 4,496 |
| Average earning assets | $85,621,000 | 4,483 |
| Average equity | $8,664,500 | 4,779 |
| Average total loans | $39,373,500 | 4,873 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7832% | 5,654 |
| Cost of funding earning assets | 0.2470% | 4,594 |
| Net interest margin | 2.5363% | 5,562 |
| Noninterest income to average assets | 0.2790% | 4,743 |
| Noninterest expense to average assets | 1.9467% | 5,291 |
| Loan and lease loss provision to assets | -0.0032% | 5,464 |
| Net operating income to assets | 0.6070% | 4,180 |
| Return on assets (ROA) | 0.7167% | 3,820 |
| Pretax return on assets | 0.8115% | 4,159 |
| Return on Equity (ROE) | 7.6900% | 3,121 |
| Retained earnings to average equity (ytd only) | -0.4799% | 5,378 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0081% | 2,291 |
| Assets per employee ($millions) | 5.8233% | 1,600 |
| Cash dividends to net income (ytd only)* | 106.2407% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 3,884 |
| Loan loss allowance to noncurrent loans | 5,150.0000% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 5,302 |
| Noncurrent loans to loans | 0.0208% | 5,189 |
| Net loans and leases to total assets | 40.8653% | 5,278 |
| Net loans and leases to deposits | 45.0608% | 5,397 |
| Net loans and leases to core deposits | 46.9037% | 5,406 |
| Total domestic deposits to total assets | 90.6893% | 389 |
| Equity capital to assets | 9.2206% | 4,559 |
| Core capital (leverage) ratio | 9.1300% | 4,584 |
| Tier 1 risk-based capital ratio | 22.3528% | 1,035 |
| Total risk-based capital ratio | 23.4125% | 1,029 |
| Memoranda: | ||
| Average total assets | $93,903,400 | 4,471 |
| Average earning assets | $87,057,600 | 4,453 |
| Average equity | $8,751,600 | 4,793 |
| Average total loans | $38,796,000 | 4,919 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7885% | 5,721 |
| Cost of funding earning assets | 0.2507% | 4,594 |
| Net interest margin | 2.5378% | 5,633 |
| Noninterest income to average assets | 0.2820% | 4,747 |
| Noninterest expense to average assets | 1.9400% | 5,310 |
| Loan and lease loss provision to assets | 0.0085% | 4,065 |
| Net operating income to assets | 0.5987% | 4,300 |
| Return on assets (ROA) | 0.7171% | 3,899 |
| Pretax return on assets | 0.8219% | 4,241 |
| Return on Equity (ROE) | 7.6737% | 3,203 |
| Retained earnings to average equity (ytd only) | 1.7895% | 4,791 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6417% | 2,353 |
| Assets per employee ($millions) | 6.0911% | 1,361 |
| Cash dividends to net income (ytd only)* | 76.6798% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,946 |
| Loan loss allowance to noncurrent loans | 1,238.2353% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 5,279 |
| Noncurrent loans to loans | 0.0872% | 4,996 |
| Net loans and leases to total assets | 39.5637% | 5,401 |
| Net loans and leases to deposits | 43.5644% | 5,529 |
| Net loans and leases to core deposits | 45.2606% | 5,542 |
| Total domestic deposits to total assets | 90.8166% | 234 |
| Equity capital to assets | 9.0993% | 5,075 |
| Core capital (leverage) ratio | 9.0916% | 4,725 |
| Tier 1 risk-based capital ratio | 22.5966% | 1,055 |
| Total risk-based capital ratio | 23.6713% | 1,055 |
| Memoranda: | ||
| Average total assets | $94,086,250 | 4,501 |
| Average earning assets | $87,213,750 | 4,488 |
| Average equity | $8,791,750 | 4,841 |
| Average total loans | $38,873,250 | 4,958 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8162% | 5,795 |
| Cost of funding earning assets | 0.2535% | 4,623 |
| Net interest margin | 2.5628% | 5,698 |
| Noninterest income to average assets | 0.2668% | 4,883 |
| Noninterest expense to average assets | 1.9492% | 5,374 |
| Loan and lease loss provision to assets | 0.0129% | 3,846 |
| Net operating income to assets | 0.5891% | 4,322 |
| Return on assets (ROA) | 0.7014% | 3,938 |
| Pretax return on assets | 0.8046% | 4,264 |
| Return on Equity (ROE) | 7.4375% | 3,298 |
| Retained earnings to average equity (ytd only) | 1.7567% | 4,683 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8989% | 2,374 |
| Assets per employee ($millions) | 5.6236% | 1,683 |
| Cash dividends to net income (ytd only)* | 76.3804% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 4,033 |
| Loan loss allowance to noncurrent loans | 628.3582% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 5,141 |
| Noncurrent loans to loans | 0.1724% | 4,743 |
| Net loans and leases to total assets | 40.2052% | 5,409 |
| Net loans and leases to deposits | 44.3461% | 5,549 |
| Net loans and leases to core deposits | 46.1091% | 5,561 |
| Total domestic deposits to total assets | 90.6623% | 268 |
| Equity capital to assets | 9.2383% | 5,034 |
| Core capital (leverage) ratio | 9.2806% | 4,483 |
| Tier 1 risk-based capital ratio | 22.9978% | 1,018 |
| Total risk-based capital ratio | 24.0968% | 1,012 |
| Memoranda: | ||
| Average total assets | $92,962,330 | 4,561 |
| Average earning assets | $86,001,000 | 4,543 |
| Average equity | $8,766,330 | 4,878 |
| Average total loans | $38,838,000 | 5,013 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8882% | 5,797 |
| Cost of funding earning assets | 0.2651% | 4,548 |
| Net interest margin | 2.6230% | 5,703 |
| Noninterest income to average assets | 0.2619% | 4,852 |
| Noninterest expense to average assets | 1.9554% | 5,420 |
| Loan and lease loss provision to assets | 0.0262% | 3,328 |
| Net operating income to assets | 0.6099% | 4,136 |
| Return on assets (ROA) | 0.6896% | 3,877 |
| Pretax return on assets | 0.7900% | 4,225 |
| Return on Equity (ROE) | 7.2365% | 3,325 |
| Retained earnings to average equity (ytd only) | 2.2442% | 4,363 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9642% | 2,649 |
| Assets per employee ($millions) | 5.4782% | 1,848 |
| Cash dividends to net income (ytd only)* | 68.9873% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 4,135 |
| Loan loss allowance to noncurrent loans | 915.2174% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 5,287 |
| Noncurrent loans to loans | 0.1187% | 5,002 |
| Net loans and leases to total assets | 41.1666% | 5,392 |
| Net loans and leases to deposits | 45.5294% | 5,532 |
| Net loans and leases to core deposits | 47.3929% | 5,536 |
| Total domestic deposits to total assets | 90.4176% | 456 |
| Equity capital to assets | 9.4460% | 4,722 |
| Core capital (leverage) ratio | 9.5414% | 4,112 |
| Tier 1 risk-based capital ratio | 22.6506% | 1,066 |
| Total risk-based capital ratio | 23.7363% | 1,064 |
| Memoranda: | ||
| Average total assets | $91,642,500 | 4,626 |
| Average earning assets | $84,483,000 | 4,606 |
| Average equity | $8,733,500 | 4,915 |
| Average total loans | $38,828,000 | 5,054 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9725% | 5,748 |
| Cost of funding earning assets | 0.2927% | 4,337 |
| Net interest margin | 2.6798% | 5,671 |
| Noninterest income to average assets | 0.2634% | 4,999 |
| Noninterest expense to average assets | 2.0103% | 5,432 |
| Loan and lease loss provision to assets | 0.0268% | 3,852 |
| Net operating income to assets | 0.6174% | 4,190 |
| Return on assets (ROA) | 0.6262% | 4,245 |
| Pretax return on assets | 0.7099% | 4,506 |
| Return on Equity (ROE) | 6.5656% | 3,744 |
| Retained earnings to average equity (ytd only) | 4.2249% | 2,979 |
| Net charge-offs to loans | 0.0078% | 4,167 |
| Credit loss provision to net charge-offs | 800.0000% | 425 |
| Earnings coverage of net charge-offs (x) | 217.0000% | 318 |
| Efficiency ratio | 73.4502% | 2,667 |
| Assets per employee ($millions) | 5.3033% | 2,009 |
| Cash dividends to net income (ytd only)* | 35.6506% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 4,228 |
| Loan loss allowance to noncurrent loans | 4,150.0000% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 5,530 |
| Noncurrent loans to loans | 0.0257% | 5,411 |
| Net loans and leases to total assets | 42.6838% | 5,364 |
| Net loans and leases to deposits | 47.2729% | 5,507 |
| Net loans and leases to core deposits | 49.2753% | 5,527 |
| Total domestic deposits to total assets | 90.2924% | 503 |
| Equity capital to assets | 9.6167% | 4,419 |
| Core capital (leverage) ratio | 9.4106% | 4,306 |
| Tier 1 risk-based capital ratio | 21.8276% | 1,176 |
| Total risk-based capital ratio | 22.8649% | 1,183 |
| Memoranda: | ||
| Average total assets | $89,586,600 | 4,683 |
| Average earning assets | $82,692,600 | 4,662 |
| Average equity | $8,544,600 | 4,950 |
| Average total loans | $38,419,800 | 5,073 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9680% | 5,833 |
| Cost of funding earning assets | 0.2950% | 4,394 |
| Net interest margin | 2.6729% | 5,757 |
| Noninterest income to average assets | 0.2579% | 5,092 |
| Noninterest expense to average assets | 2.0183% | 5,447 |
| Loan and lease loss provision to assets | 0.0268% | 3,726 |
| Net operating income to assets | 0.5716% | 4,519 |
| Return on assets (ROA) | 0.5828% | 4,560 |
| Pretax return on assets | 0.6976% | 4,686 |
| Return on Equity (ROE) | 6.1236% | 4,101 |
| Retained earnings to average equity (ytd only) | 2.9913% | 4,319 |
| Net charge-offs to loans | 0.0104% | 3,808 |
| Credit loss provision to net charge-offs | 600.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 158.9950% | 438 |
| Efficiency ratio | 73.9487% | 2,565 |
| Assets per employee ($millions) | 5.5208% | 1,770 |
| Cash dividends to net income (ytd only)* | 51.1509% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0401% | 4,524 |
| Loan loss allowance to noncurrent loans | 3,718.1818% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 5,642 |
| Noncurrent loans to loans | 0.0280% | 5,515 |
| Net loans and leases to total assets | 41.4616% | 5,518 |
| Net loans and leases to deposits | 45.5304% | 5,670 |
| Net loans and leases to core deposits | 47.3619% | 5,679 |
| Total domestic deposits to total assets | 91.0637% | 228 |
| Equity capital to assets | 8.8426% | 5,448 |
| Core capital (leverage) ratio | 9.2245% | 4,697 |
| Tier 1 risk-based capital ratio | 20.9862% | 1,342 |
| Total risk-based capital ratio | 21.9886% | 1,363 |
| Memoranda: | ||
| Average total assets | $89,444,250 | 4,736 |
| Average earning assets | $82,703,250 | 4,719 |
| Average equity | $8,513,250 | 5,016 |
| Average total loans | $38,300,500 | 5,131 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0027% | 5,854 |
| Cost of funding earning assets | 0.3030% | 4,365 |
| Net interest margin | 2.6997% | 5,761 |
| Noninterest income to average assets | 0.2114% | 5,426 |
| Noninterest expense to average assets | 2.0483% | 5,444 |
| Loan and lease loss provision to assets | 0.0273% | 3,588 |
| Net operating income to assets | 0.5195% | 4,685 |
| Return on assets (ROA) | 0.5365% | 4,734 |
| Pretax return on assets | 0.6479% | 4,829 |
| Return on Equity (ROE) | 5.4982% | 4,371 |
| Retained earnings to average equity (ytd only) | 0.8387% | 5,228 |
| Net charge-offs to loans | 0.0053% | 3,712 |
| Credit loss provision to net charge-offs | 1,200.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 288.0000% | 238 |
| Efficiency ratio | 75.7780% | 2,401 |
| Assets per employee ($millions) | 5.3112% | 1,916 |
| Cash dividends to net income (ytd only)* | 84.7458% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0577% | 4,557 |
| Loan loss allowance to noncurrent loans | 3,115.3846% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 5,117 |
| Noncurrent loans to loans | 0.0340% | 5,613 |
| Net loans and leases to total assets | 41.9588% | 5,509 |
| Net loans and leases to deposits | 46.1995% | 5,667 |
| Net loans and leases to core deposits | 48.1379% | 5,684 |
| Total domestic deposits to total assets | 90.8208% | 350 |
| Equity capital to assets | 9.0806% | 5,164 |
| Core capital (leverage) ratio | 9.3098% | 4,535 |
| Tier 1 risk-based capital ratio | 21.2020% | 1,324 |
| Total risk-based capital ratio | 22.2233% | 1,339 |
| Memoranda: | ||
| Average total assets | $87,974,670 | 4,815 |
| Average earning assets | $81,193,330 | 4,798 |
| Average equity | $8,584,670 | 5,039 |
| Average total loans | $37,960,000 | 5,187 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0190% | 5,875 |
| Cost of funding earning assets | 0.3099% | 4,326 |
| Net interest margin | 2.7091% | 5,785 |
| Noninterest income to average assets | 0.1290% | 5,954 |
| Noninterest expense to average assets | 2.0779% | 5,432 |
| Loan and lease loss provision to assets | 0.0276% | 3,333 |
| Net operating income to assets | 0.4267% | 4,965 |
| Return on assets (ROA) | 0.4607% | 4,946 |
| Pretax return on assets | 0.5621% | 5,019 |
| Return on Equity (ROE) | 4.5571% | 4,737 |
| Retained earnings to average equity (ytd only) | -4.5571% | 5,902 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1228% | 2,014 |
| Assets per employee ($millions) | 5.3967% | 1,888 |
| Cash dividends to net income (ytd only)* | 200.0000% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 4,714 |
| Loan loss allowance to noncurrent loans | 2,857.1429% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 5,167 |
| Noncurrent loans to loans | 0.0370% | 5,639 |
| Net loans and leases to total assets | 43.3043% | 5,402 |
| Net loans and leases to deposits | 48.2552% | 5,551 |
| Net loans and leases to core deposits | 50.1307% | 5,584 |
| Total domestic deposits to total assets | 89.7402% | 880 |
| Equity capital to assets | 10.1081% | 4,006 |
| Core capital (leverage) ratio | 10.0992% | 3,473 |
| Tier 1 risk-based capital ratio | 22.6421% | 1,150 |
| Total risk-based capital ratio | 23.6746% | 1,165 |
| Memoranda: | ||
| Average total assets | $86,816,500 | 4,883 |
| Average earning assets | $80,026,000 | 4,866 |
| Average equity | $8,777,500 | 5,043 |
| Average total loans | $37,795,000 | 5,221 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1164% | 5,936 |
| Cost of funding earning assets | 0.3907% | 3,784 |
| Net interest margin | 2.7257% | 5,906 |
| Noninterest income to average assets | 0.2955% | 5,005 |
| Noninterest expense to average assets | 2.1078% | 5,556 |
| Loan and lease loss provision to assets | 0.0190% | 4,238 |
| Net operating income to assets | 0.5662% | 4,525 |
| Return on assets (ROA) | 0.7014% | 4,004 |
| Pretax return on assets | 0.8284% | 4,147 |
| Return on Equity (ROE) | 6.4966% | 3,901 |
| Retained earnings to average equity (ytd only) | -2.7811% | 6,072 |
| Net charge-offs to loans | 0.0056% | 4,823 |
| Credit loss provision to net charge-offs | 800.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 290.0000% | 190 |
| Efficiency ratio | 75.3820% | 2,618 |
| Assets per employee ($millions) | 5.1345% | 2,145 |
| Cash dividends to net income (ytd only)* | 142.8088% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 4,842 |
| Loan loss allowance to noncurrent loans | 3,030.7692% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.4766% | 4,212 |
| Noncurrent loans to loans | 0.0344% | 5,751 |
| Net loans and leases to total assets | 42.8522% | 5,552 |
| Net loans and leases to deposits | 47.7305% | 5,697 |
| Net loans and leases to core deposits | 49.7308% | 5,723 |
| Total domestic deposits to total assets | 89.7796% | 844 |
| Equity capital to assets | 10.1127% | 3,972 |
| Core capital (leverage) ratio | 10.1443% | 3,374 |
| Tier 1 risk-based capital ratio | 21.6746% | 1,275 |
| Total risk-based capital ratio | 22.6373% | 1,303 |
| Memoranda: | ||
| Average total assets | $84,259,000 | 4,953 |
| Average earning assets | $77,300,200 | 4,946 |
| Average equity | $9,097,000 | 4,955 |
| Average total loans | $35,995,200 | 5,329 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1303% | 5,984 |
| Cost of funding earning assets | 0.4094% | 3,686 |
| Net interest margin | 2.7210% | 5,979 |
| Noninterest income to average assets | 0.2986% | 5,065 |
| Noninterest expense to average assets | 2.1157% | 5,535 |
| Loan and lease loss provision to assets | 0.0160% | 4,094 |
| Net operating income to assets | 0.5795% | 4,544 |
| Return on assets (ROA) | 0.7425% | 3,818 |
| Pretax return on assets | 0.8463% | 4,196 |
| Return on Equity (ROE) | 6.7650% | 3,821 |
| Retained earnings to average equity (ytd only) | -0.1746% | 5,828 |
| Net charge-offs to loans | 0.0113% | 4,345 |
| Credit loss provision to net charge-offs | 333.3333% | 836 |
| Earnings coverage of net charge-offs (x) | 141.3300% | 434 |
| Efficiency ratio | 75.7576% | 2,534 |
| Assets per employee ($millions) | 5.1525% | 2,078 |
| Cash dividends to net income (ytd only)* | 102.5807% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 5,057 |
| Loan loss allowance to noncurrent loans | 3,518.1818% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 4,515 |
| Noncurrent loans to loans | 0.0294% | 5,913 |
| Net loans and leases to total assets | 42.3178% | 5,646 |
| Net loans and leases to deposits | 47.2715% | 5,808 |
| Net loans and leases to core deposits | 49.0837% | 5,833 |
| Total domestic deposits to total assets | 89.5207% | 973 |
| Equity capital to assets | 10.3891% | 3,691 |
| Core capital (leverage) ratio | 10.4261% | 3,126 |
| Tier 1 risk-based capital ratio | 22.1571% | 1,244 |
| Total risk-based capital ratio | 23.0981% | 1,268 |
| Memoranda: | ||
| Average total assets | $83,502,250 | 5,028 |
| Average earning assets | $76,539,250 | 5,023 |
| Average equity | $9,164,500 | 4,968 |
| Average total loans | $35,544,500 | 5,396 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1546% | 5,998 |
| Cost of funding earning assets | 0.4309% | 3,541 |
| Net interest margin | 2.7237% | 6,021 |
| Noninterest income to average assets | 0.3044% | 4,970 |
| Noninterest expense to average assets | 2.1427% | 5,534 |
| Loan and lease loss provision to assets | 0.0097% | 4,040 |
| Net operating income to assets | 0.5685% | 4,505 |
| Return on assets (ROA) | 0.7913% | 3,473 |
| Pretax return on assets | 0.8985% | 3,895 |
| Return on Equity (ROE) | 7.0760% | 3,590 |
| Retained earnings to average equity (ytd only) | 0.5443% | 5,521 |
| Net charge-offs to loans | 0.0115% | 4,022 |
| Credit loss provision to net charge-offs | 200.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | 134.5000% | 448 |
| Efficiency ratio | 76.5883% | 2,523 |
| Assets per employee ($millions) | 5.0835% | 2,109 |
| Cash dividends to net income (ytd only)* | 92.3077% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 5,081 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 4,641 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 41.3439% | 5,720 |
| Net loans and leases to deposits | 46.3153% | 5,867 |
| Net loans and leases to core deposits | 48.1199% | 5,898 |
| Total domestic deposits to total assets | 89.2662% | 1,214 |
| Equity capital to assets | 10.6296% | 3,272 |
| Core capital (leverage) ratio | 10.8433% | 2,587 |
| Tier 1 risk-based capital ratio | 22.8687% | 1,131 |
| Total risk-based capital ratio | 23.8234% | 1,160 |
| Memoranda: | ||
| Average total assets | $82,139,000 | 5,107 |
| Average earning assets | $75,191,330 | 5,102 |
| Average equity | $9,186,000 | 4,986 |
| Average total loans | $34,908,000 | 5,461 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1921% | 6,016 |
| Cost of funding earning assets | 0.4599% | 3,311 |
| Net interest margin | 2.7322% | 6,060 |
| Noninterest income to average assets | 0.3100% | 4,882 |
| Noninterest expense to average assets | 2.2050% | 5,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5313% | 4,549 |
| Return on assets (ROA) | 0.8250% | 3,101 |
| Pretax return on assets | 0.9300% | 3,591 |
| Return on Equity (ROE) | 7.1848% | 3,363 |
| Retained earnings to average equity (ytd only) | 2.8304% | 4,394 |
| Net charge-offs to loans | 0.0233% | 3,104 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 654 |
| Efficiency ratio | 78.6096% | 2,387 |
| Assets per employee ($millions) | 5.1492% | 2,070 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 5,141 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4892% | 4,671 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 41.4580% | 5,712 |
| Net loans and leases to deposits | 46.7730% | 5,800 |
| Net loans and leases to core deposits | 48.7004% | 5,841 |
| Total domestic deposits to total assets | 88.6366% | 1,870 |
| Equity capital to assets | 11.1911% | 2,533 |
| Core capital (leverage) ratio | 11.3826% | 2,066 |
| Tier 1 risk-based capital ratio | 23.7014% | 1,047 |
| Total risk-based capital ratio | 24.6763% | 1,069 |
| Memoranda: | ||
| Average total assets | $79,999,000 | 5,208 |
| Average earning assets | $73,054,500 | 5,204 |
| Average equity | $9,186,000 | 5,003 |
| Average total loans | $34,306,500 | 5,527 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3006% | 6,000 |
| Cost of funding earning assets | 0.5964% | 2,693 |
| Net interest margin | 2.7042% | 6,135 |
| Noninterest income to average assets | 0.3299% | 4,977 |
| Noninterest expense to average assets | 2.2827% | 5,423 |
| Loan and lease loss provision to assets | 0.0064% | 4,995 |
| Net operating income to assets | 0.5051% | 4,710 |
| Return on assets (ROA) | 0.5870% | 4,433 |
| Pretax return on assets | 0.5870% | 4,907 |
| Return on Equity (ROE) | 4.9462% | 4,656 |
| Retained earnings to average equity (ytd only) | -3.6746% | 6,308 |
| Net charge-offs to loans | 0.1414% | 3,393 |
| Credit loss provision to net charge-offs | 10.0000% | 4,582 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,750 |
| Efficiency ratio | 81.6934% | 1,920 |
| Assets per employee ($millions) | 4.5654% | 2,786 |
| Cash dividends to net income (ytd only)* | 174.2919% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 5,072 |
| Loan loss allowance to noncurrent loans | 19,000.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.5218% | 4,681 |
| Noncurrent loans to loans | 0.0059% | 6,285 |
| Net loans and leases to total assets | 43.4204% | 5,723 |
| Net loans and leases to deposits | 49.3021% | 5,811 |
| Net loans and leases to core deposits | 51.4771% | 5,836 |
| Total domestic deposits to total assets | 88.0700% | 2,136 |
| Equity capital to assets | 11.7921% | 1,955 |
| Core capital (leverage) ratio | 11.6660% | 1,849 |
| Tier 1 risk-based capital ratio | 24.7123% | 883 |
| Total risk-based capital ratio | 25.7414% | 888 |
| Memoranda: | ||
| Average total assets | $78,198,200 | 5,279 |
| Average earning assets | $71,260,200 | 5,273 |
| Average equity | $9,279,800 | 5,023 |
| Average total loans | $35,348,600 | 5,519 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3106% | 6,046 |
| Cost of funding earning assets | 0.6221% | 2,630 |
| Net interest margin | 2.6885% | 6,199 |
| Noninterest income to average assets | 0.3353% | 5,010 |
| Noninterest expense to average assets | 2.2481% | 5,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4426% | 5,053 |
| Return on assets (ROA) | 0.5208% | 4,867 |
| Pretax return on assets | 0.6314% | 4,909 |
| Return on Equity (ROE) | 4.3815% | 5,036 |
| Retained earnings to average equity (ytd only) | -4.2096% | 6,454 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7457% | 2,006 |
| Assets per employee ($millions) | 4.5818% | 2,750 |
| Cash dividends to net income (ytd only)* | 196.0783% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 4,825 |
| Loan loss allowance to noncurrent loans | 104.6798% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.5623% | 4,764 |
| Noncurrent loans to loans | 1.1546% | 3,505 |
| Net loans and leases to total assets | 44.5982% | 5,672 |
| Net loans and leases to deposits | 50.6200% | 5,793 |
| Net loans and leases to core deposits | 53.1008% | 5,824 |
| Total domestic deposits to total assets | 88.1039% | 2,058 |
| Equity capital to assets | 11.7780% | 2,061 |
| Core capital (leverage) ratio | 11.7314% | 1,865 |
| Tier 1 risk-based capital ratio | 24.6751% | 914 |
| Total risk-based capital ratio | 25.8186% | 907 |
| Memoranda: | ||
| Average total assets | $78,345,000 | 5,330 |
| Average earning assets | $71,364,000 | 5,323 |
| Average equity | $9,311,750 | 5,068 |
| Average total loans | $35,666,000 | 5,559 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3229% | 6,051 |
| Cost of funding earning assets | 0.6433% | 2,558 |
| Net interest margin | 2.6795% | 6,209 |
| Noninterest income to average assets | 0.3338% | 5,026 |
| Noninterest expense to average assets | 2.2549% | 5,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4345% | 5,086 |
| Return on assets (ROA) | 0.5529% | 4,707 |
| Pretax return on assets | 0.6625% | 4,809 |
| Return on Equity (ROE) | 4.6379% | 4,931 |
| Retained earnings to average equity (ytd only) | -8.1858% | 6,616 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2672% | 1,995 |
| Assets per employee ($millions) | 4.3317% | 3,123 |
| Cash dividends to net income (ytd only)* | 276.4977% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 5,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 6,383 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 45.0924% | 5,625 |
| Net loans and leases to deposits | 51.1091% | 5,763 |
| Net loans and leases to core deposits | 53.6050% | 5,780 |
| Total domestic deposits to total assets | 88.2277% | 2,094 |
| Equity capital to assets | 11.6300% | 2,189 |
| Core capital (leverage) ratio | 11.8025% | 1,723 |
| Tier 1 risk-based capital ratio | 24.6038% | 920 |
| Total risk-based capital ratio | 25.7551% | 919 |
| Memoranda: | ||
| Average total assets | $78,496,330 | 5,359 |
| Average earning assets | $71,504,670 | 5,349 |
| Average equity | $9,357,670 | 5,093 |
| Average total loans | $35,833,670 | 5,581 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3586% | 6,034 |
| Cost of funding earning assets | 0.6751% | 2,436 |
| Net interest margin | 2.6836% | 6,243 |
| Noninterest income to average assets | 0.3301% | 5,060 |
| Noninterest expense to average assets | 2.2804% | 5,472 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4136% | 5,078 |
| Return on assets (ROA) | 0.5587% | 4,576 |
| Pretax return on assets | 0.6653% | 4,724 |
| Return on Equity (ROE) | 4.6304% | 4,772 |
| Retained earnings to average equity (ytd only) | -7.9979% | 6,523 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2344% | 2,013 |
| Assets per employee ($millions) | 4.2016% | 3,533 |
| Cash dividends to net income (ytd only)* | 272.7273% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 5,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 6,477 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 47.0507% | 5,328 |
| Net loans and leases to deposits | 53.8654% | 5,448 |
| Net loans and leases to core deposits | 56.6074% | 5,463 |
| Total domestic deposits to total assets | 87.3488% | 2,728 |
| Equity capital to assets | 12.4317% | 1,752 |
| Core capital (leverage) ratio | 11.6235% | 1,803 |
| Tier 1 risk-based capital ratio | 25.2388% | 864 |
| Total risk-based capital ratio | 26.3951% | 856 |
| Memoranda: | ||
| Average total assets | $78,759,000 | 5,392 |
| Average earning assets | $71,695,500 | 5,391 |
| Average equity | $9,502,500 | 5,110 |
| Average total loans | $35,958,500 | 5,621 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5115% | 6,347 |
| Cost of funding earning assets | 0.8129% | 2,560 |
| Net interest margin | 2.6986% | 6,523 |
| Noninterest income to average assets | 1.0518% | 1,401 |
| Noninterest expense to average assets | 2.1508% | 6,020 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0236% | 2,239 |
| Return on assets (ROA) | 1.0567% | 2,288 |
| Pretax return on assets | 1.3900% | 2,074 |
| Return on Equity (ROE) | 9.4167% | 2,439 |
| Retained earnings to average equity (ytd only) | 4.0680% | 3,354 |
| Net charge-offs to loans | 0.0028% | 5,949 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1,115.0000% | 25 |
| Efficiency ratio | 61.4986% | 5,313 |
| Assets per employee ($millions) | 4.5494% | 2,881 |
| Cash dividends to net income (ytd only)* | 56.8000% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 5,195 |
| Loan loss allowance to noncurrent loans | 3,541.6667% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 6,563 |
| Noncurrent loans to loans | 0.0334% | 6,425 |
| Net loans and leases to total assets | 43.3306% | 5,875 |
| Net loans and leases to deposits | 49.2027% | 6,014 |
| Net loans and leases to core deposits | 51.4851% | 6,051 |
| Total domestic deposits to total assets | 88.0656% | 2,201 |
| Equity capital to assets | 11.7268% | 2,246 |
| Core capital (leverage) ratio | 11.6812% | 1,745 |
| Tier 1 risk-based capital ratio | 24.8902% | 865 |
| Total risk-based capital ratio | 26.0077% | 868 |
| Memoranda: | ||
| Average total assets | $82,807,400 | 5,277 |
| Average earning assets | $75,038,600 | 5,278 |
| Average equity | $9,292,000 | 5,152 |
| Average total loans | $35,676,600 | 5,690 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5712% | 6,426 |
| Cost of funding earning assets | 0.8466% | 2,569 |
| Net interest margin | 2.7245% | 6,612 |
| Noninterest income to average assets | 0.3436% | 5,063 |
| Noninterest expense to average assets | 2.1580% | 6,039 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5367% | 4,675 |
| Return on assets (ROA) | 0.5748% | 4,769 |
| Pretax return on assets | 0.6969% | 4,874 |
| Return on Equity (ROE) | 5.1802% | 4,734 |
| Retained earnings to average equity (ytd only) | -0.6078% | 6,202 |
| Net charge-offs to loans | 0.0037% | 5,711 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 406.0075% | 114 |
| Efficiency ratio | 76.8439% | 2,544 |
| Assets per employee ($millions) | 4.5406% | 2,844 |
| Cash dividends to net income (ytd only)* | 111.7322% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 5,241 |
| Loan loss allowance to noncurrent loans | 3,035.7143% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 6,665 |
| Noncurrent loans to loans | 0.0398% | 6,519 |
| Net loans and leases to total assets | 42.4764% | 6,086 |
| Net loans and leases to deposits | 47.8709% | 6,264 |
| Net loans and leases to core deposits | 50.0750% | 6,276 |
| Total domestic deposits to total assets | 88.7312% | 1,575 |
| Equity capital to assets | 11.1697% | 3,071 |
| Core capital (leverage) ratio | 11.0519% | 2,331 |
| Tier 1 risk-based capital ratio | 24.6895% | 935 |
| Total risk-based capital ratio | 25.8496% | 934 |
| Memoranda: | ||
| Average total assets | $83,037,000 | 5,321 |
| Average earning assets | $75,117,750 | 5,323 |
| Average equity | $9,214,250 | 5,212 |
| Average total loans | $35,618,750 | 5,766 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6780% | 6,371 |
| Cost of funding earning assets | 0.8856% | 2,519 |
| Net interest margin | 2.7924% | 6,593 |
| Noninterest income to average assets | 0.3570% | 4,974 |
| Noninterest expense to average assets | 2.1516% | 6,118 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6182% | 4,291 |
| Return on assets (ROA) | 0.6182% | 4,538 |
| Pretax return on assets | 0.7212% | 4,767 |
| Return on Equity (ROE) | 5.5828% | 4,535 |
| Retained earnings to average equity (ytd only) | 1.2550% | 5,572 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8957% | 2,916 |
| Assets per employee ($millions) | 4.8333% | 2,379 |
| Cash dividends to net income (ytd only)* | 77.5194% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 5,420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 6,774 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 43.2296% | 6,088 |
| Net loans and leases to deposits | 48.7397% | 6,264 |
| Net loans and leases to core deposits | 51.4514% | 6,273 |
| Total domestic deposits to total assets | 88.6948% | 1,711 |
| Equity capital to assets | 11.2139% | 2,879 |
| Core capital (leverage) ratio | 10.9780% | 2,321 |
| Tier 1 risk-based capital ratio | 25.0568% | 897 |
| Total risk-based capital ratio | 26.2239% | 892 |
| Memoranda: | ||
| Average total assets | $83,472,670 | 5,336 |
| Average earning assets | $75,203,000 | 5,349 |
| Average equity | $9,242,670 | 5,215 |
| Average total loans | $35,778,000 | 5,796 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6106% | 6,564 |
| Cost of funding earning assets | 0.8961% | 2,726 |
| Net interest margin | 2.7145% | 6,751 |
| Noninterest income to average assets | 0.3138% | 5,367 |
| Noninterest expense to average assets | 2.0778% | 6,314 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5943% | 4,368 |
| Return on assets (ROA) | 0.5943% | 4,585 |
| Pretax return on assets | 0.6990% | 4,790 |
| Return on Equity (ROE) | 5.4013% | 4,592 |
| Retained earnings to average equity (ytd only) | 5.4013% | 3,312 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8288% | 2,969 |
| Assets per employee ($millions) | 4.6279% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 5,532 |
| Loan loss allowance to noncurrent loans | 4,733.3333% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 6,813 |
| Noncurrent loans to loans | 0.0252% | 6,712 |
| Net loans and leases to total assets | 42.4378% | 6,153 |
| Net loans and leases to deposits | 47.8583% | 6,294 |
| Net loans and leases to core deposits | 50.7341% | 6,293 |
| Total domestic deposits to total assets | 88.6739% | 1,900 |
| Equity capital to assets | 11.1785% | 2,731 |
| Core capital (leverage) ratio | 11.0764% | 2,203 |
| Tier 1 risk-based capital ratio | 25.4117% | 863 |
| Total risk-based capital ratio | 26.5867% | 853 |
| Memoranda: | ||
| Average total assets | $84,126,000 | 5,360 |
| Average earning assets | $76,331,000 | 5,352 |
| Average equity | $9,257,000 | 5,229 |
| Average total loans | $35,694,000 | 5,837 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5570% | 6,961 |
| Cost of funding earning assets | 1.0044% | 3,346 |
| Net interest margin | 2.5526% | 7,028 |
| Noninterest income to average assets | 0.3303% | 5,178 |
| Noninterest expense to average assets | 2.0830% | 6,525 |
| Loan and lease loss provision to assets | -0.0115% | 7,218 |
| Net operating income to assets | 0.4791% | 4,509 |
| Return on assets (ROA) | 0.5731% | 4,314 |
| Pretax return on assets | 0.6698% | 4,441 |
| Return on Equity (ROE) | 5.4622% | 4,160 |
| Retained earnings to average equity (ytd only) | 0.4387% | 5,626 |
| Net charge-offs to loans | 0.0030% | 6,412 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,868 |
| Earnings coverage of net charge-offs (x) | 477.0000% | 71 |
| Efficiency ratio | 79.1430% | 2,421 |
| Assets per employee ($millions) | 4.7194% | 2,562 |
| Cash dividends to net income (ytd only)* | 91.9679% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 5,408 |
| Loan loss allowance to noncurrent loans | 1,521.4286% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 6,805 |
| Noncurrent loans to loans | 0.0786% | 6,617 |
| Net loans and leases to total assets | 41.4178% | 6,426 |
| Net loans and leases to deposits | 46.5040% | 6,597 |
| Net loans and leases to core deposits | 49.2222% | 6,574 |
| Total domestic deposits to total assets | 89.0628% | 1,498 |
| Equity capital to assets | 10.8324% | 3,158 |
| Core capital (leverage) ratio | 10.7117% | 2,511 |
| Tier 1 risk-based capital ratio | 25.9880% | 782 |
| Total risk-based capital ratio | 27.2062% | 771 |
| Memoranda: | ||
| Average total assets | $86,893,000 | 5,265 |
| Average earning assets | $78,352,800 | 5,283 |
| Average equity | $9,117,200 | 5,248 |
| Average total loans | $33,797,400 | 5,960 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5374% | 7,064 |
| Cost of funding earning assets | 1.0194% | 3,534 |
| Net interest margin | 2.5180% | 7,128 |
| Noninterest income to average assets | 0.3342% | 5,186 |
| Noninterest expense to average assets | 2.0737% | 6,543 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4536% | 4,754 |
| Return on assets (ROA) | 0.5783% | 4,367 |
| Pretax return on assets | 0.6744% | 4,565 |
| Return on Equity (ROE) | 5.5554% | 4,249 |
| Retained earnings to average equity (ytd only) | 0.4251% | 5,822 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6600% | 2,303 |
| Assets per employee ($millions) | 4.6893% | 2,635 |
| Cash dividends to net income (ytd only)* | 92.3494% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 4,998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 6,995 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 39.2202% | 6,695 |
| Net loans and leases to deposits | 44.0759% | 6,829 |
| Net loans and leases to core deposits | 46.1780% | 6,838 |
| Total domestic deposits to total assets | 88.9833% | 1,437 |
| Equity capital to assets | 10.9101% | 3,229 |
| Core capital (leverage) ratio | 10.5359% | 2,828 |
| Tier 1 risk-based capital ratio | 26.8280% | 747 |
| Total risk-based capital ratio | 28.0783% | 737 |
| Memoranda: | ||
| Average total assets | $87,379,000 | 5,289 |
| Average earning assets | $78,738,500 | 5,307 |
| Average equity | $9,096,000 | 5,281 |
| Average total loans | $33,344,250 | 6,047 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4738% | 7,173 |
| Cost of funding earning assets | 1.0230% | 3,796 |
| Net interest margin | 2.4508% | 7,214 |
| Noninterest income to average assets | 0.3259% | 5,285 |
| Noninterest expense to average assets | 2.0641% | 6,669 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3828% | 5,031 |
| Return on assets (ROA) | 0.4255% | 4,981 |
| Pretax return on assets | 0.5205% | 4,992 |
| Return on Equity (ROE) | 4.1509% | 4,856 |
| Retained earnings to average equity (ytd only) | -3.5768% | 6,430 |
| Net charge-offs to loans | 0.0060% | 5,789 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 207.0000% | 178 |
| Efficiency ratio | 81.5013% | 2,172 |
| Assets per employee ($millions) | 4.8674% | 2,307 |
| Cash dividends to net income (ytd only)* | 186.1702% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2982% | 5,071 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 7,040 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 37.8364% | 6,870 |
| Net loans and leases to deposits | 42.2438% | 6,982 |
| Net loans and leases to core deposits | 44.1617% | 6,998 |
| Total domestic deposits to total assets | 89.5667% | 1,206 |
| Equity capital to assets | 10.3260% | 3,719 |
| Core capital (leverage) ratio | 10.4394% | 2,772 |
| Tier 1 risk-based capital ratio | 26.4969% | 764 |
| Total risk-based capital ratio | 27.7463% | 746 |
| Memoranda: | ||
| Average total assets | $88,369,330 | 5,299 |
| Average earning assets | $79,566,670 | 5,330 |
| Average equity | $9,058,330 | 5,307 |
| Average total loans | $33,278,330 | 6,115 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4401% | 7,244 |
| Cost of funding earning assets | 1.0496% | 3,853 |
| Net interest margin | 2.3905% | 7,261 |
| Noninterest income to average assets | 0.3065% | 5,478 |
| Noninterest expense to average assets | 2.0643% | 6,706 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3127% | 5,344 |
| Return on assets (ROA) | 0.3966% | 5,056 |
| Pretax return on assets | 0.4913% | 5,054 |
| Return on Equity (ROE) | 3.8835% | 4,961 |
| Retained earnings to average equity (ytd only) | 3.8835% | 3,839 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1912% | 1,935 |
| Assets per employee ($millions) | 5.0861% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 5,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 7,109 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 38.2522% | 6,890 |
| Net loans and leases to deposits | 42.8198% | 6,996 |
| Net loans and leases to core deposits | 45.3224% | 6,998 |
| Total domestic deposits to total assets | 89.3330% | 1,573 |
| Equity capital to assets | 10.5467% | 3,133 |
| Core capital (leverage) ratio | 10.1432% | 2,984 |
| Tier 1 risk-based capital ratio | 26.8366% | 722 |
| Total risk-based capital ratio | 28.0880% | 704 |
| Memoranda: | ||
| Average total assets | $88,747,000 | 5,327 |
| Average earning assets | $79,649,500 | 5,373 |
| Average equity | $9,064,000 | 5,302 |
| Average total loans | $33,124,500 | 6,174 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7935% | 7,256 |
| Cost of funding earning assets | 1.1473% | 4,869 |
| Net interest margin | 2.6462% | 7,171 |
| Noninterest income to average assets | 0.3124% | 5,559 |
| Noninterest expense to average assets | 2.1520% | 6,725 |
| Loan and lease loss provision to assets | -0.0142% | 7,575 |
| Net operating income to assets | 0.4452% | 4,336 |
| Return on assets (ROA) | 0.5912% | 3,877 |
| Pretax return on assets | 0.7229% | 3,893 |
| Return on Equity (ROE) | 5.9612% | 3,625 |
| Retained earnings to average equity (ytd only) | 1.3536% | 4,866 |
| Net charge-offs to loans | -0.0067% | 7,292 |
| Credit loss provision to net charge-offs | 550.0000% | 409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2214% | 2,385 |
| Assets per employee ($millions) | 5.2204% | 1,837 |
| Cash dividends to net income (ytd only)* | 77.2926% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 4,755 |
| Loan loss allowance to noncurrent loans | 2,586.6667% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 7,124 |
| Noncurrent loans to loans | 0.0521% | 6,997 |
| Net loans and leases to total assets | 33.9810% | 7,227 |
| Net loans and leases to deposits | 37.3864% | 7,318 |
| Net loans and leases to core deposits | 39.1446% | 7,322 |
| Total domestic deposits to total assets | 90.8915% | 655 |
| Equity capital to assets | 8.9792% | 5,169 |
| Core capital (leverage) ratio | 9.1608% | 4,243 |
| Tier 1 risk-based capital ratio | 24.4654% | 890 |
| Total risk-based capital ratio | 25.7147% | 876 |
| Memoranda: | ||
| Average total assets | $77,464,200 | 5,661 |
| Average earning assets | $69,382,600 | 5,692 |
| Average equity | $7,683,000 | 5,813 |
| Average total loans | $29,855,200 | 6,403 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8783% | 7,355 |
| Cost of funding earning assets | 1.1844% | 4,952 |
| Net interest margin | 2.6938% | 7,241 |
| Noninterest income to average assets | 0.3090% | 5,679 |
| Noninterest expense to average assets | 2.1733% | 6,673 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4717% | 4,437 |
| Return on assets (ROA) | 0.6776% | 3,672 |
| Pretax return on assets | 0.7935% | 3,937 |
| Return on Equity (ROE) | 6.6589% | 3,505 |
| Retained earnings to average equity (ytd only) | 6.6589% | 2,008 |
| Net charge-offs to loans | -0.0044% | 7,203 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7680% | 2,372 |
| Assets per employee ($millions) | 4.9771% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 4,777 |
| Loan loss allowance to noncurrent loans | 4,422.2222% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 7,255 |
| Noncurrent loans to loans | 0.0302% | 7,178 |
| Net loans and leases to total assets | 36.9457% | 7,229 |
| Net loans and leases to deposits | 41.1782% | 7,335 |
| Net loans and leases to core deposits | 42.9836% | 7,353 |
| Total domestic deposits to total assets | 89.7216% | 1,012 |
| Equity capital to assets | 10.0900% | 4,038 |
| Core capital (leverage) ratio | 9.9839% | 3,274 |
| Tier 1 risk-based capital ratio | 25.6906% | 797 |
| Total risk-based capital ratio | 26.9422% | 783 |
| Memoranda: | ||
| Average total assets | $75,948,750 | 5,775 |
| Average earning assets | $68,104,250 | 5,797 |
| Average equity | $7,728,750 | 5,876 |
| Average total loans | $30,126,250 | 6,471 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9554% | 7,395 |
| Cost of funding earning assets | 1.2267% | 4,977 |
| Net interest margin | 2.7287% | 7,223 |
| Noninterest income to average assets | 0.3239% | 5,564 |
| Noninterest expense to average assets | 2.1815% | 6,691 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5084% | 4,288 |
| Return on assets (ROA) | 0.8298% | 2,977 |
| Pretax return on assets | 0.9529% | 3,300 |
| Return on Equity (ROE) | 8.1294% | 2,835 |
| Retained earnings to average equity (ytd only) | 8.1294% | 1,399 |
| Net charge-offs to loans | -0.0066% | 7,145 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8964% | 2,590 |
| Assets per employee ($millions) | 5.1415% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 4,956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 7,115 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 39.3579% | 7,202 |
| Net loans and leases to deposits | 43.9499% | 7,323 |
| Net loans and leases to core deposits | 45.9394% | 7,356 |
| Total domestic deposits to total assets | 89.5518% | 1,148 |
| Equity capital to assets | 10.2797% | 3,673 |
| Core capital (leverage) ratio | 10.2151% | 2,921 |
| Tier 1 risk-based capital ratio | 24.4600% | 895 |
| Total risk-based capital ratio | 25.7106% | 878 |
| Memoranda: | ||
| Average total assets | $74,720,670 | 5,850 |
| Average earning assets | $66,845,000 | 5,869 |
| Average equity | $7,626,670 | 5,915 |
| Average total loans | $30,228,670 | 6,513 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0179% | 7,442 |
| Cost of funding earning assets | 1.2823% | 4,915 |
| Net interest margin | 2.7356% | 7,260 |
| Noninterest income to average assets | 0.3047% | 5,708 |
| Noninterest expense to average assets | 2.1872% | 6,719 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4461% | 4,631 |
| Return on assets (ROA) | 0.4461% | 4,761 |
| Pretax return on assets | 0.5550% | 4,769 |
| Return on Equity (ROE) | 4.3874% | 4,713 |
| Retained earnings to average equity (ytd only) | 4.3874% | 3,520 |
| Net charge-offs to loans | -0.0133% | 6,965 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7619% | 2,602 |
| Assets per employee ($millions) | 5.0061% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 4,890 |
| Loan loss allowance to noncurrent loans | 7,960.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 7,179 |
| Noncurrent loans to loans | 0.0164% | 7,378 |
| Net loans and leases to total assets | 39.9830% | 7,252 |
| Net loans and leases to deposits | 44.6699% | 7,378 |
| Net loans and leases to core deposits | 46.5373% | 7,413 |
| Total domestic deposits to total assets | 89.5075% | 1,243 |
| Equity capital to assets | 10.0104% | 3,860 |
| Core capital (leverage) ratio | 10.2036% | 2,926 |
| Tier 1 risk-based capital ratio | 24.3560% | 925 |
| Total risk-based capital ratio | 25.6067% | 906 |
| Memoranda: | ||
| Average total assets | $73,519,500 | 5,953 |
| Average earning assets | $65,507,500 | 5,980 |
| Average equity | $7,476,000 | 6,026 |
| Average total loans | $29,967,000 | 6,609 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5720% | 7,315 |
| Cost of funding earning assets | 1.6089% | 4,989 |
| Net interest margin | 2.9631% | 6,730 |
| Noninterest income to average assets | 0.3861% | 5,325 |
| Noninterest expense to average assets | 2.3903% | 6,495 |
| Loan and lease loss provision to assets | -0.0118% | 7,959 |
| Net operating income to assets | 0.3728% | 4,236 |
| Return on assets (ROA) | 0.3728% | 4,336 |
| Pretax return on assets | 0.6322% | 3,804 |
| Return on Equity (ROE) | 3.4427% | 4,311 |
| Retained earnings to average equity (ytd only) | 3.4427% | 2,757 |
| Net charge-offs to loans | 0.0133% | 7,035 |
| Credit loss provision to net charge-offs | -200.0000% | 7,395 |
| Earnings coverage of net charge-offs (x) | 105.2500% | 266 |
| Efficiency ratio | 79.3930% | 2,972 |
| Assets per employee ($millions) | 4.4967% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 4,509 |
| Loan loss allowance to noncurrent loans | 39,700.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 7,081 |
| Noncurrent loans to loans | 0.0034% | 7,445 |
| Net loans and leases to total assets | 40.4673% | 7,326 |
| Net loans and leases to deposits | 45.3611% | 7,468 |
| Net loans and leases to core deposits | 53.6534% | 7,480 |
| Total domestic deposits to total assets | 89.2115% | 1,381 |
| Equity capital to assets | 10.3340% | 3,362 |
| Core capital (leverage) ratio | 10.6668% | 2,457 |
| Tier 1 risk-based capital ratio | 24.4051% | 914 |
| Total risk-based capital ratio | 25.6557% | 890 |
| Memoranda: | ||
| Average total assets | $67,857,200 | 6,080 |
| Average earning assets | $60,105,000 | 6,121 |
| Average equity | $7,348,800 | 6,155 |
| Average total loans | $30,095,600 | 6,618 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6966% | 7,291 |
| Cost of funding earning assets | 1.6647% | 5,088 |
| Net interest margin | 3.0320% | 6,513 |
| Noninterest income to average assets | 0.3950% | 5,332 |
| Noninterest expense to average assets | 2.3440% | 6,579 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5765% | 3,697 |
| Return on assets (ROA) | 0.5765% | 3,766 |
| Pretax return on assets | 0.7361% | 3,748 |
| Return on Equity (ROE) | 5.2587% | 3,856 |
| Retained earnings to average equity (ytd only) | 5.2587% | 2,338 |
| Net charge-offs to loans | 0.0221% | 6,587 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 73.7616% | 458 |
| Efficiency ratio | 76.1010% | 3,495 |
| Assets per employee ($millions) | 4.2537% | 3,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 4,108 |
| Loan loss allowance to noncurrent loans | 3,366.6667% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 7,073 |
| Noncurrent loans to loans | 0.0407% | 7,410 |
| Net loans and leases to total assets | 42.6953% | 7,326 |
| Net loans and leases to deposits | 48.2322% | 7,487 |
| Net loans and leases to core deposits | 57.6525% | 7,481 |
| Total domestic deposits to total assets | 88.5203% | 1,426 |
| Equity capital to assets | 10.9772% | 3,028 |
| Core capital (leverage) ratio | 11.1010% | 2,333 |
| Tier 1 risk-based capital ratio | 25.1160% | 884 |
| Total risk-based capital ratio | 26.3666% | 863 |
| Memoranda: | ||
| Average total assets | $66,834,750 | 6,163 |
| Average earning assets | $59,190,000 | 6,202 |
| Average equity | $7,327,250 | 6,212 |
| Average total loans | $30,241,500 | 6,666 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7810% | 7,260 |
| Cost of funding earning assets | 1.7092% | 5,222 |
| Net interest margin | 3.0718% | 6,330 |
| Noninterest income to average assets | 0.3764% | 5,498 |
| Noninterest expense to average assets | 2.4177% | 6,406 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5179% | 4,025 |
| Return on assets (ROA) | 0.5179% | 4,137 |
| Pretax return on assets | 0.6804% | 4,066 |
| Return on Equity (ROE) | 4.7257% | 4,197 |
| Retained earnings to average equity (ytd only) | 4.7257% | 2,672 |
| Net charge-offs to loans | 0.0393% | 5,917 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 37.6667% | 847 |
| Efficiency ratio | 78.0369% | 3,341 |
| Assets per employee ($millions) | 4.1008% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 4,018 |
| Loan loss allowance to noncurrent loans | 2,686.6667% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 7,038 |
| Noncurrent loans to loans | 0.0500% | 7,415 |
| Net loans and leases to total assets | 45.0947% | 7,257 |
| Net loans and leases to deposits | 51.1293% | 7,427 |
| Net loans and leases to core deposits | 60.8031% | 7,424 |
| Total domestic deposits to total assets | 88.1975% | 1,669 |
| Equity capital to assets | 11.2081% | 2,748 |
| Core capital (leverage) ratio | 10.8287% | 2,546 |
| Tier 1 risk-based capital ratio | 24.8178% | 958 |
| Total risk-based capital ratio | 26.0698% | 941 |
| Memoranda: | ||
| Average total assets | $66,426,670 | 6,212 |
| Average earning assets | $58,857,670 | 6,275 |
| Average equity | $7,279,330 | 6,274 |
| Average total loans | $30,501,330 | 6,706 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8703% | 7,243 |
| Cost of funding earning assets | 1.7225% | 5,510 |
| Net interest margin | 3.1478% | 6,027 |
| Noninterest income to average assets | 0.3890% | 5,307 |
| Noninterest expense to average assets | 2.3222% | 6,457 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7182% | 3,469 |
| Return on assets (ROA) | 0.7182% | 3,667 |
| Pretax return on assets | 0.8559% | 3,869 |
| Return on Equity (ROE) | 6.6280% | 3,763 |
| Retained earnings to average equity (ytd only) | 6.6280% | 2,363 |
| Net charge-offs to loans | 0.0260% | 5,172 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 71.5000% | 563 |
| Efficiency ratio | 73.0697% | 3,998 |
| Assets per employee ($millions) | 4.2231% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 3,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 7,052 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 44.3155% | 7,310 |
| Net loans and leases to deposits | 52.8747% | 7,351 |
| Net loans and leases to core deposits | 62.4171% | 7,375 |
| Total domestic deposits to total assets | 83.8123% | 3,796 |
| Equity capital to assets | 10.8066% | 3,177 |
| Core capital (leverage) ratio | 11.1839% | 2,350 |
| Tier 1 risk-based capital ratio | 24.3684% | 1,036 |
| Total risk-based capital ratio | 25.6199% | 1,015 |
| Memoranda: | ||
| Average total assets | $66,833,500 | 6,220 |
| Average earning assets | $59,215,500 | 6,294 |
| Average equity | $7,242,000 | 6,323 |
| Average total loans | $30,756,500 | 6,718 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2293% | 7,661 |
| Cost of funding earning assets | 2.5217% | 4,086 |
| Net interest margin | 2.7075% | 7,488 |
| Noninterest income to average assets | 0.4188% | 5,311 |
| Noninterest expense to average assets | 2.2692% | 6,788 |
| Loan and lease loss provision to assets | -0.0110% | 8,201 |
| Net operating income to assets | 0.6999% | 3,892 |
| Return on assets (ROA) | 0.6999% | 3,729 |
| Pretax return on assets | 0.5897% | 4,723 |
| Return on Equity (ROE) | 6.7036% | 3,673 |
| Retained earnings to average equity (ytd only) | 1.5571% | 4,285 |
| Net charge-offs to loans | 0.0188% | 6,601 |
| Credit loss provision to net charge-offs | -133.3333% | 7,329 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 583 |
| Efficiency ratio | 79.6807% | 2,643 |
| Assets per employee ($millions) | 4.1311% | 3,248 |
| Cash dividends to net income (ytd only)* | 76.7717% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 3,693 |
| Loan loss allowance to noncurrent loans | 13,633.3333% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 6,794 |
| Noncurrent loans to loans | 0.0096% | 7,514 |
| Net loans and leases to total assets | 46.5271% | 7,280 |
| Net loans and leases to deposits | 52.3064% | 7,521 |
| Net loans and leases to core deposits | 60.8356% | 7,548 |
| Total domestic deposits to total assets | 88.9511% | 1,066 |
| Equity capital to assets | 10.8658% | 3,151 |
| Core capital (leverage) ratio | 10.6582% | 2,857 |
| Tier 1 risk-based capital ratio | 23.8692% | 1,101 |
| Total risk-based capital ratio | 25.1188% | 1,080 |
| Memoranda: | ||
| Average total assets | $72,581,400 | 5,946 |
| Average earning assets | $65,114,400 | 5,988 |
| Average equity | $7,578,000 | 6,245 |
| Average total loans | $31,834,800 | 6,614 |