Home > Citizens National Bank of Crosbyton > Performance and Condition Ratios
Citizens National Bank of Crosbyton, 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 | 5.0230% | 2,033 |
| Cost of funding earning assets | 1.2920% | 2,541 |
| Net interest margin | 3.7310% | 1,698 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.3322% | 4,425 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.4473% | 251 |
| Return on assets (ROA) | 2.4473% | 244 |
| Pretax return on assets | 2.4473% | 355 |
| Return on Equity (ROE) | 16.4500% | 1,026 |
| Retained earnings to average equity (ytd only) | 12.7103% | 541 |
| Net charge-offs to loans | 0.0597% | 1,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 207.1250% | 576 |
| Efficiency ratio | 35.2481% | 4,447 |
| Assets per employee ($millions) | 8.8106% | 1,054 |
| Cash dividends to net income (ytd only)* | 22.7520% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,108 |
| 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 | 21.4000% | 4,393 |
| Net loans and leases to deposits | 25.4128% | 4,398 |
| Net loans and leases to core deposits | 31.5279% | 4,383 |
| Total domestic deposits to total assets | 84.2000% | 2,562 |
| Equity capital to assets | 15.2174% | 534 |
| Core capital (leverage) ratio | 15.6365% | 532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $67,707,000 | 4,138 |
| Average earning assets | $64,781,800 | 4,092 |
| Average equity | $10,070,600 | 3,714 |
| Average total loans | $13,402,400 | 4,374 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6661% | 2,540 |
| Cost of funding earning assets | 1.1993% | 2,432 |
| Net interest margin | 3.4669% | 2,287 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.2117% | 4,480 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.3060% | 326 |
| Return on assets (ROA) | 2.3060% | 319 |
| Pretax return on assets | 2.3060% | 479 |
| Return on Equity (ROE) | 15.6000% | 1,327 |
| Retained earnings to average equity (ytd only) | 14.9120% | 568 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 34.4457% | 4,473 |
| Assets per employee ($millions) | 9.6024% | 769 |
| Cash dividends to net income (ytd only)* | 4.4003% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 2,400 |
| 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 | 24.2800% | 4,395 |
| Net loans and leases to deposits | 28.9696% | 4,393 |
| Net loans and leases to core deposits | 36.3454% | 4,324 |
| Total domestic deposits to total assets | 83.8000% | 2,833 |
| Equity capital to assets | 15.6984% | 474 |
| Core capital (leverage) ratio | 15.7118% | 534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $67,012,500 | 4,156 |
| Average earning assets | $64,148,500 | 4,118 |
| Average equity | $9,906,750 | 3,733 |
| Average total loans | $12,935,500 | 4,399 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3887% | 2,908 |
| Cost of funding earning assets | 1.0987% | 2,283 |
| Net interest margin | 3.2900% | 2,777 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.2129% | 4,513 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.1301% | 386 |
| Return on assets (ROA) | 2.1301% | 380 |
| Pretax return on assets | 2.1301% | 590 |
| Return on Equity (ROE) | 14.7100% | 1,525 |
| Retained earnings to average equity (ytd only) | 13.6612% | 726 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 36.2824% | 4,470 |
| Assets per employee ($millions) | 11.0663% | 504 |
| Cash dividends to net income (ytd only)* | 7.1529% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 1,439 |
| 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 | 20.5500% | 4,451 |
| Net loans and leases to deposits | 24.3639% | 4,451 |
| Net loans and leases to core deposits | 29.8881% | 4,405 |
| Total domestic deposits to total assets | 84.3500% | 2,740 |
| Equity capital to assets | 15.2234% | 502 |
| Core capital (leverage) ratio | 15.1903% | 565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $66,944,333 | 4,182 |
| Average earning assets | $63,891,000 | 4,141 |
| Average equity | $9,691,667 | 3,775 |
| Average total loans | $11,742,333 | 4,441 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1620% | 4,508 |
| Cost of funding earning assets | 0.9691% | 2,156 |
| Net interest margin | 2.1929% | 4,503 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.1069% | 4,599 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2140% | 1,895 |
| Return on assets (ROA) | 1.2140% | 1,856 |
| Pretax return on assets | 1.2140% | 2,393 |
| Return on Equity (ROE) | 8.6000% | 3,154 |
| Retained earnings to average equity (ytd only) | 8.6044% | 2,057 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.6923% | 4,106 |
| Assets per employee ($millions) | 11.0770% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8631% | 582 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 15.6100% | 4,548 |
| Net loans and leases to deposits | 18.3207% | 4,551 |
| Net loans and leases to core deposits | 22.1523% | 4,524 |
| Total domestic deposits to total assets | 85.2200% | 2,800 |
| Equity capital to assets | 14.4850% | 532 |
| Core capital (leverage) ratio | 14.5032% | 659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $67,217,500 | 4,232 |
| Average earning assets | $64,389,500 | 4,190 |
| Average equity | $9,483,500 | 3,843 |
| Average total loans | $10,692,000 | 4,523 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7916% | 4,632 |
| Cost of funding earning assets | 0.3147% | 2,759 |
| Net interest margin | 1.4769% | 4,636 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 1.2244% | 4,599 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4286% | 4,209 |
| Return on assets (ROA) | 0.4286% | 4,172 |
| Pretax return on assets | 0.4286% | 4,250 |
| Return on Equity (ROE) | 3.0100% | 4,291 |
| Retained earnings to average equity (ytd only) | 1.6362% | 4,064 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.0741% | 1,214 |
| Assets per employee ($millions) | 11.3288% | 466 |
| Cash dividends to net income (ytd only)* | 45.7143% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8224% | 630 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 15.6100% | 4,581 |
| Net loans and leases to deposits | 18.1366% | 4,577 |
| Net loans and leases to core deposits | 21.3027% | 4,557 |
| Total domestic deposits to total assets | 86.0900% | 2,699 |
| Equity capital to assets | 13.7408% | 599 |
| Core capital (leverage) ratio | 13.8683% | 742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $65,336,000 | 4,279 |
| Average earning assets | $63,240,800 | 4,226 |
| Average equity | $9,290,000 | 3,966 |
| Average total loans | $11,600,000 | 4,536 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6948% | 4,649 |
| Cost of funding earning assets | 0.1850% | 3,452 |
| Net interest margin | 1.5098% | 4,638 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.1194% | 4,653 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5834% | 3,873 |
| Return on assets (ROA) | 0.5834% | 3,832 |
| Pretax return on assets | 0.5834% | 4,018 |
| Return on Equity (ROE) | 4.0700% | 4,142 |
| Retained earnings to average equity (ytd only) | 2.2850% | 3,963 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.7385% | 2,314 |
| Assets per employee ($millions) | 11.2952% | 467 |
| Cash dividends to net income (ytd only)* | 43.8163% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8183% | 703 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 15.7000% | 4,618 |
| Net loans and leases to deposits | 18.2250% | 4,621 |
| Net loans and leases to core deposits | 21.0155% | 4,599 |
| Total domestic deposits to total assets | 86.1200% | 3,037 |
| Equity capital to assets | 13.7330% | 590 |
| Core capital (leverage) ratio | 13.9198% | 698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $64,676,750 | 4,317 |
| Average earning assets | $62,701,500 | 4,265 |
| Average equity | $9,277,500 | 4,007 |
| Average total loans | $11,797,500 | 4,566 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4502% | 4,713 |
| Cost of funding earning assets | 0.1295% | 3,844 |
| Net interest margin | 1.3207% | 4,704 |
| Noninterest income to average assets | 0.2357% | 3,765 |
| Noninterest expense to average assets | 1.1187% | 4,672 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3991% | 4,109 |
| Return on assets (ROA) | 0.3991% | 4,059 |
| Pretax return on assets | 0.3991% | 4,161 |
| Return on Equity (ROE) | 2.7407% | 4,254 |
| Retained earnings to average equity (ytd only) | 0.9711% | 4,001 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7060% | 1,545 |
| Assets per employee ($millions) | 9.4536% | 765 |
| Cash dividends to net income (ytd only)* | 64.5669% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6770% | 999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 17.4537% | 4,671 |
| Net loans and leases to deposits | 20.3181% | 4,671 |
| Net loans and leases to core deposits | 22.9058% | 4,658 |
| Total domestic deposits to total assets | 85.9025% | 3,274 |
| Equity capital to assets | 13.9600% | 521 |
| Core capital (leverage) ratio | 14.0843% | 615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,645,333 | 4,376 |
| Average earning assets | $61,785,667 | 4,326 |
| Average equity | $9,267,667 | 4,077 |
| Average total loans | $12,118,667 | 4,627 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1727% | 4,754 |
| Cost of funding earning assets | 0.1252% | 3,832 |
| Net interest margin | 1.0475% | 4,745 |
| Noninterest income to average assets | 0.2501% | 3,646 |
| Noninterest expense to average assets | 1.1606% | 4,679 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1090% | 4,456 |
| Return on assets (ROA) | 0.1090% | 4,427 |
| Pretax return on assets | 0.1090% | 4,435 |
| Return on Equity (ROE) | 0.7326% | 4,457 |
| Retained earnings to average equity (ytd only) | -0.1724% | 4,036 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4141% | 488 |
| Assets per employee ($millions) | 9.0687% | 888 |
| Cash dividends to net income (ytd only)* | 123.5294% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9590% | 670 |
| 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 | 15.5306% | 4,706 |
| Net loans and leases to deposits | 18.2149% | 4,705 |
| Net loans and leases to core deposits | 20.5255% | 4,694 |
| Total domestic deposits to total assets | 85.2633% | 3,481 |
| Equity capital to assets | 14.6044% | 434 |
| Core capital (leverage) ratio | 14.6016% | 489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,380,500 | 4,416 |
| Average earning assets | $60,715,000 | 4,363 |
| Average equity | $9,282,500 | 4,133 |
| Average total loans | $12,304,500 | 4,648 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6653% | 4,732 |
| Cost of funding earning assets | 0.1715% | 3,762 |
| Net interest margin | 1.4938% | 4,723 |
| Noninterest income to average assets | 0.3581% | 3,291 |
| Noninterest expense to average assets | 1.3604% | 4,648 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4455% | 4,193 |
| Return on assets (ROA) | 0.4455% | 4,234 |
| Pretax return on assets | 0.4455% | 4,336 |
| Return on Equity (ROE) | 2.8273% | 4,397 |
| Retained earnings to average equity (ytd only) | 1.6964% | 4,072 |
| Net charge-offs to loans | -0.0412% | 4,234 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3321% | 1,170 |
| Assets per employee ($millions) | 8.7543% | 996 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 2,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 23.4269% | 4,664 |
| Net loans and leases to deposits | 27.6614% | 4,663 |
| Net loans and leases to core deposits | 31.3361% | 4,616 |
| Total domestic deposits to total assets | 84.6916% | 3,362 |
| Equity capital to assets | 15.1664% | 474 |
| Core capital (leverage) ratio | 15.1292% | 451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,364,000 | 4,473 |
| Average earning assets | $56,566,800 | 4,433 |
| Average equity | $9,196,000 | 4,226 |
| Average total loans | $14,567,400 | 4,660 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6097% | 4,820 |
| Cost of funding earning assets | 0.1818% | 3,794 |
| Net interest margin | 1.4279% | 4,820 |
| Noninterest income to average assets | 0.2267% | 4,047 |
| Noninterest expense to average assets | 1.2053% | 4,786 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4025% | 4,371 |
| Return on assets (ROA) | 0.4025% | 4,398 |
| Pretax return on assets | 0.4025% | 4,490 |
| Return on Equity (ROE) | 2.5295% | 4,525 |
| Retained earnings to average equity (ytd only) | 1.0903% | 4,402 |
| Net charge-offs to loans | -0.0458% | 4,313 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9640% | 1,128 |
| Assets per employee ($millions) | 7.0325% | 1,846 |
| Cash dividends to net income (ytd only)* | 56.8966% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 3,063 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 29.2552% | 4,609 |
| Net loans and leases to deposits | 35.0617% | 4,600 |
| Net loans and leases to core deposits | 40.2765% | 4,504 |
| Total domestic deposits to total assets | 83.4394% | 3,595 |
| Equity capital to assets | 16.3882% | 378 |
| Core capital (leverage) ratio | 16.6288% | 345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,635,000 | 4,538 |
| Average earning assets | $55,743,750 | 4,501 |
| Average equity | $9,171,500 | 4,285 |
| Average total loans | $14,571,000 | 4,730 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5189% | 4,869 |
| Cost of funding earning assets | 0.1961% | 3,792 |
| Net interest margin | 1.3228% | 4,862 |
| Noninterest income to average assets | 0.2410% | 3,960 |
| Noninterest expense to average assets | 1.1843% | 4,827 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3339% | 4,484 |
| Return on assets (ROA) | 0.3339% | 4,509 |
| Pretax return on assets | 0.3339% | 4,552 |
| Return on Equity (ROE) | 2.1185% | 4,584 |
| Retained earnings to average equity (ytd only) | 0.0437% | 4,501 |
| Net charge-offs to loans | -0.0721% | 4,513 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0045% | 908 |
| Assets per employee ($millions) | 7.1316% | 1,700 |
| Cash dividends to net income (ytd only)* | 97.9381% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3134% | 2,373 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 25.9443% | 4,748 |
| Net loans and leases to deposits | 30.9691% | 4,741 |
| Net loans and leases to core deposits | 35.4751% | 4,682 |
| Total domestic deposits to total assets | 83.7747% | 3,501 |
| Equity capital to assets | 16.0290% | 411 |
| Core capital (leverage) ratio | 16.6916% | 320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,095,333 | 4,560 |
| Average earning assets | $56,094,000 | 4,520 |
| Average equity | $9,157,333 | 4,306 |
| Average total loans | $13,876,000 | 4,774 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5133% | 4,901 |
| Cost of funding earning assets | 0.2273% | 3,660 |
| Net interest margin | 1.2859% | 4,898 |
| Noninterest income to average assets | 0.2730% | 3,770 |
| Noninterest expense to average assets | 1.1737% | 4,865 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3344% | 4,472 |
| Return on assets (ROA) | 0.3344% | 4,507 |
| Pretax return on assets | 0.3344% | 4,562 |
| Return on Equity (ROE) | 2.1389% | 4,590 |
| Retained earnings to average equity (ytd only) | 0.6984% | 4,270 |
| Net charge-offs to loans | -0.1502% | 4,733 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8281% | 967 |
| Assets per employee ($millions) | 7.4669% | 1,471 |
| Cash dividends to net income (ytd only)* | 67.3469% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5014% | 1,603 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 21.6356% | 4,839 |
| Net loans and leases to deposits | 25.5921% | 4,840 |
| Net loans and leases to core deposits | 29.0839% | 4,825 |
| Total domestic deposits to total assets | 84.5401% | 3,266 |
| Equity capital to assets | 15.3394% | 461 |
| Core capital (leverage) ratio | 18.7845% | 232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,616,500 | 4,573 |
| Average earning assets | $56,301,500 | 4,534 |
| Average equity | $9,163,500 | 4,315 |
| Average total loans | $13,314,500 | 4,810 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5106% | 4,842 |
| Cost of funding earning assets | 0.5392% | 2,690 |
| Net interest margin | 1.9713% | 4,839 |
| Noninterest income to average assets | 0.2839% | 3,788 |
| Noninterest expense to average assets | 1.3694% | 4,851 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7867% | 3,147 |
| Return on assets (ROA) | 0.7867% | 3,264 |
| Pretax return on assets | 0.7867% | 3,661 |
| Return on Equity (ROE) | 4.6944% | 3,975 |
| Retained earnings to average equity (ytd only) | 3.1222% | 3,275 |
| Net charge-offs to loans | 0.0279% | 2,477 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 756 |
| Efficiency ratio | 63.5112% | 2,892 |
| Assets per employee ($millions) | 7.1873% | 1,455 |
| Cash dividends to net income (ytd only)* | 33.4906% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 1,917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 23.1608% | 4,862 |
| Net loans and leases to deposits | 27.6149% | 4,863 |
| Net loans and leases to core deposits | 31.7351% | 4,835 |
| Total domestic deposits to total assets | 83.8707% | 3,151 |
| Equity capital to assets | 15.9379% | 431 |
| Core capital (leverage) ratio | 16.5035% | 349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,893,200 | 4,600 |
| Average earning assets | $51,183,200 | 4,568 |
| Average equity | $9,032,000 | 4,314 |
| Average total loans | $14,332,600 | 4,816 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6416% | 4,872 |
| Cost of funding earning assets | 0.6035% | 2,588 |
| Net interest margin | 2.0381% | 4,875 |
| Noninterest income to average assets | 0.2038% | 4,252 |
| Noninterest expense to average assets | 1.2781% | 4,913 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8630% | 2,848 |
| Return on assets (ROA) | 0.8630% | 2,988 |
| Pretax return on assets | 0.8630% | 3,482 |
| Return on Equity (ROE) | 5.0819% | 3,870 |
| Retained earnings to average equity (ytd only) | 3.0225% | 3,518 |
| Net charge-offs to loans | 0.0367% | 2,102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 85.7500% | 881 |
| Efficiency ratio | 59.6945% | 3,430 |
| Assets per employee ($millions) | 6.7510% | 1,652 |
| Cash dividends to net income (ytd only)* | 40.5248% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 2,761 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 29.5327% | 4,835 |
| Net loans and leases to deposits | 35.6074% | 4,830 |
| Net loans and leases to core deposits | 41.3663% | 4,764 |
| Total domestic deposits to total assets | 82.9396% | 3,155 |
| Equity capital to assets | 16.8308% | 394 |
| Core capital (leverage) ratio | 16.8219% | 351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.7741% | 89 |
| Memoranda: | ||
| Average total assets | $52,992,000 | 4,632 |
| Average earning assets | $50,372,500 | 4,596 |
| Average equity | $8,999,000 | 4,320 |
| Average total loans | $14,538,750 | 4,844 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7845% | 4,912 |
| Cost of funding earning assets | 0.6811% | 2,494 |
| Net interest margin | 2.1034% | 4,919 |
| Noninterest income to average assets | 0.2203% | 4,174 |
| Noninterest expense to average assets | 1.3219% | 4,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8926% | 2,714 |
| Return on assets (ROA) | 0.8926% | 2,836 |
| Pretax return on assets | 0.8926% | 3,335 |
| Return on Equity (ROE) | 5.2405% | 3,762 |
| Retained earnings to average equity (ytd only) | 2.9659% | 3,404 |
| Net charge-offs to loans | 0.0571% | 1,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 58.7500% | 977 |
| Efficiency ratio | 59.6913% | 3,452 |
| Assets per employee ($millions) | 5.9534% | 2,226 |
| Cash dividends to net income (ytd only)* | 43.4043% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 2,110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 27.5284% | 4,897 |
| Net loans and leases to deposits | 33.2035% | 4,900 |
| Net loans and leases to core deposits | 38.6025% | 4,847 |
| Total domestic deposits to total assets | 82.9081% | 3,111 |
| Equity capital to assets | 16.8530% | 388 |
| Core capital (leverage) ratio | 16.7336% | 371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,653,333 | 4,649 |
| Average earning assets | $49,918,333 | 4,623 |
| Average equity | $8,968,667 | 4,340 |
| Average total loans | $14,004,667 | 4,886 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0982% | 4,914 |
| Cost of funding earning assets | 0.7243% | 2,811 |
| Net interest margin | 2.3739% | 4,892 |
| Noninterest income to average assets | 0.2912% | 3,781 |
| Noninterest expense to average assets | 1.3873% | 4,969 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1650% | 1,641 |
| Return on assets (ROA) | 1.1650% | 1,751 |
| Pretax return on assets | 1.1650% | 2,323 |
| Return on Equity (ROE) | 6.8024% | 3,026 |
| Retained earnings to average equity (ytd only) | 4.9228% | 2,308 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3544% | 4,374 |
| Assets per employee ($millions) | 5.8313% | 1,810 |
| Cash dividends to net income (ytd only)* | 27.6316% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 1,264 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 24.0082% | 4,976 |
| Net loans and leases to deposits | 29.0657% | 4,984 |
| Net loans and leases to core deposits | 33.8965% | 4,949 |
| Total domestic deposits to total assets | 82.5997% | 3,234 |
| Equity capital to assets | 17.1602% | 423 |
| Core capital (leverage) ratio | 16.9400% | 420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.7223% | 69 |
| Memoranda: | ||
| Average total assets | $52,189,500 | 4,680 |
| Average earning assets | $49,706,500 | 4,643 |
| Average equity | $8,938,000 | 4,374 |
| Average total loans | $13,536,500 | 4,934 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6637% | 4,720 |
| Cost of funding earning assets | 0.7525% | 2,903 |
| Net interest margin | 2.9112% | 4,641 |
| Noninterest income to average assets | 0.3060% | 3,856 |
| Noninterest expense to average assets | 1.4438% | 5,027 |
| Loan and lease loss provision to assets | 0.0294% | 3,424 |
| Net operating income to assets | 1.6105% | 820 |
| Return on assets (ROA) | 1.6105% | 877 |
| Pretax return on assets | 1.6105% | 1,455 |
| Return on Equity (ROE) | 9.5755% | 2,488 |
| Retained earnings to average equity (ytd only) | 7.2545% | 1,275 |
| Net charge-offs to loans | 0.1286% | 1,480 |
| Credit loss provision to net charge-offs | 75.0000% | 2,851 |
| Earnings coverage of net charge-offs (x) | 41.8000% | 1,275 |
| Efficiency ratio | 46.8193% | 4,881 |
| Assets per employee ($millions) | 5.7663% | 1,819 |
| Cash dividends to net income (ytd only)* | 24.2387% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3657% | 1,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 27.1364% | 5,009 |
| Net loans and leases to deposits | 32.8390% | 5,011 |
| Net loans and leases to core deposits | 38.2784% | 4,969 |
| Total domestic deposits to total assets | 82.6348% | 3,323 |
| Equity capital to assets | 17.0915% | 457 |
| Core capital (leverage) ratio | 17.2865% | 386 |
| Tier 1 risk-based capital ratio | 50.0423% | 134 |
| Total risk-based capital ratio | 51.2957% | 132 |
| Memoranda: | ||
| Average total assets | $50,978,000 | 4,733 |
| Average earning assets | $48,639,600 | 4,697 |
| Average equity | $8,574,000 | 4,435 |
| Average total loans | $15,552,000 | 4,956 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6945% | 4,790 |
| Cost of funding earning assets | 0.7411% | 3,007 |
| Net interest margin | 2.9534% | 4,689 |
| Noninterest income to average assets | 0.3179% | 3,847 |
| Noninterest expense to average assets | 1.3268% | 5,132 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8181% | 591 |
| Return on assets (ROA) | 1.8181% | 622 |
| Pretax return on assets | 1.8181% | 1,043 |
| Return on Equity (ROE) | 10.8546% | 2,075 |
| Retained earnings to average equity (ytd only) | 8.4704% | 1,217 |
| Net charge-offs to loans | 0.1680% | 1,005 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 34.5947% | 1,492 |
| Efficiency ratio | 42.1888% | 5,075 |
| Assets per employee ($millions) | 5.4470% | 2,080 |
| Cash dividends to net income (ytd only)* | 21.9652% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 3,439 |
| Loan loss allowance to noncurrent loans | 9,000.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 4,758 |
| Noncurrent loans to loans | 0.0114% | 4,631 |
| Net loans and leases to total assets | 35.5119% | 4,953 |
| Net loans and leases to deposits | 43.4259% | 4,923 |
| Net loans and leases to core deposits | 51.0827% | 4,815 |
| Total domestic deposits to total assets | 81.7759% | 3,537 |
| Equity capital to assets | 17.9161% | 396 |
| Core capital (leverage) ratio | 17.9806% | 355 |
| Tier 1 risk-based capital ratio | 45.4080% | 175 |
| Total risk-based capital ratio | 46.5767% | 173 |
| Memoranda: | ||
| Average total assets | $50,748,250 | 4,804 |
| Average earning assets | $48,575,000 | 4,766 |
| Average equity | $8,500,000 | 4,496 |
| Average total loans | $15,870,500 | 5,026 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 4,957 |
| Cost of funding earning assets | 0.7163% | 3,075 |
| Net interest margin | 2.8528% | 4,869 |
| Noninterest income to average assets | 0.3156% | 3,820 |
| Noninterest expense to average assets | 1.3327% | 5,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7146% | 709 |
| Return on assets (ROA) | 1.7146% | 737 |
| Pretax return on assets | 1.7146% | 1,242 |
| Return on Equity (ROE) | 10.4691% | 2,195 |
| Retained earnings to average equity (ytd only) | 7.8043% | 1,467 |
| Net charge-offs to loans | 0.1177% | 1,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 48.8889% | 1,111 |
| Efficiency ratio | 43.7340% | 5,072 |
| Assets per employee ($millions) | 5.6752% | 1,807 |
| Cash dividends to net income (ytd only)* | 25.4545% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 2,508 |
| Loan loss allowance to noncurrent loans | 252.6316% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 4,018 |
| Noncurrent loans to loans | 0.4763% | 2,848 |
| Net loans and leases to total assets | 30.8632% | 5,087 |
| Net loans and leases to deposits | 37.1994% | 5,090 |
| Net loans and leases to core deposits | 43.0158% | 5,020 |
| Total domestic deposits to total assets | 82.9669% | 3,217 |
| Equity capital to assets | 16.7786% | 497 |
| Core capital (leverage) ratio | 16.8924% | 443 |
| Tier 1 risk-based capital ratio | 46.5003% | 163 |
| Total risk-based capital ratio | 47.7482% | 157 |
| Memoranda: | ||
| Average total assets | $51,323,330 | 4,832 |
| Average earning assets | $49,144,330 | 4,787 |
| Average equity | $8,405,670 | 4,530 |
| Average total loans | $15,297,670 | 5,081 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4900% | 5,052 |
| Cost of funding earning assets | 0.6624% | 3,249 |
| Net interest margin | 2.8275% | 4,960 |
| Noninterest income to average assets | 0.3654% | 3,408 |
| Noninterest expense to average assets | 1.2751% | 5,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8116% | 568 |
| Return on assets (ROA) | 1.8116% | 583 |
| Pretax return on assets | 1.8116% | 961 |
| Return on Equity (ROE) | 11.1972% | 1,869 |
| Retained earnings to average equity (ytd only) | 9.5152% | 1,155 |
| Net charge-offs to loans | -0.0267% | 4,600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3098% | 5,180 |
| Assets per employee ($millions) | 5.6794% | 1,814 |
| Cash dividends to net income (ytd only)* | 15.0215% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 1,577 |
| Loan loss allowance to noncurrent loans | 2,512.5000% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 4,787 |
| Noncurrent loans to loans | 0.0569% | 4,513 |
| Net loans and leases to total assets | 27.1251% | 5,188 |
| Net loans and leases to deposits | 32.5714% | 5,186 |
| Net loans and leases to core deposits | 37.6041% | 5,149 |
| Total domestic deposits to total assets | 83.2789% | 3,290 |
| Equity capital to assets | 16.4844% | 500 |
| Core capital (leverage) ratio | 16.2192% | 506 |
| Tier 1 risk-based capital ratio | 48.4668% | 144 |
| Total risk-based capital ratio | 49.7186% | 145 |
| Memoranda: | ||
| Average total assets | $51,446,500 | 4,877 |
| Average earning assets | $49,513,500 | 4,835 |
| Average equity | $8,323,500 | 4,570 |
| Average total loans | $14,968,500 | 5,149 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0583% | 5,207 |
| Cost of funding earning assets | 0.4597% | 3,609 |
| Net interest margin | 2.5986% | 5,154 |
| Noninterest income to average assets | 0.3137% | 4,019 |
| Noninterest expense to average assets | 1.4138% | 5,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3896% | 1,464 |
| Return on assets (ROA) | 1.3896% | 1,460 |
| Pretax return on assets | 1.3896% | 2,172 |
| Return on Equity (ROE) | 8.6807% | 3,153 |
| Retained earnings to average equity (ytd only) | 6.0426% | 2,171 |
| Net charge-offs to loans | -0.0247% | 4,754 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4304% | 4,912 |
| Assets per employee ($millions) | 5.7531% | 1,714 |
| Cash dividends to net income (ytd only)* | 30.3907% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 2,248 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 4,815 |
| Noncurrent loans to loans | 0.0504% | 4,517 |
| Net loans and leases to total assets | 30.2657% | 5,203 |
| Net loans and leases to deposits | 36.0750% | 5,195 |
| Net loans and leases to core deposits | 42.1660% | 5,119 |
| Total domestic deposits to total assets | 83.8966% | 3,031 |
| Equity capital to assets | 15.8774% | 552 |
| Core capital (leverage) ratio | 16.5363% | 452 |
| Tier 1 risk-based capital ratio | 43.3113% | 189 |
| Total risk-based capital ratio | 44.5618% | 188 |
| Memoranda: | ||
| Average total assets | $49,725,400 | 4,940 |
| Average earning assets | $47,640,400 | 4,904 |
| Average equity | $7,960,200 | 4,612 |
| Average total loans | $16,176,400 | 5,167 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9517% | 5,302 |
| Cost of funding earning assets | 0.4297% | 3,664 |
| Net interest margin | 2.5219% | 5,269 |
| Noninterest income to average assets | 0.3387% | 3,891 |
| Noninterest expense to average assets | 1.3167% | 5,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4386% | 1,366 |
| Return on assets (ROA) | 1.4386% | 1,368 |
| Pretax return on assets | 1.4386% | 2,094 |
| Return on Equity (ROE) | 8.9674% | 3,105 |
| Retained earnings to average equity (ytd only) | 6.0797% | 2,618 |
| Net charge-offs to loans | -0.0164% | 4,563 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7876% | 5,060 |
| Assets per employee ($millions) | 5.5469% | 1,870 |
| Cash dividends to net income (ytd only)* | 32.2029% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 2,771 |
| Loan loss allowance to noncurrent loans | 2,487.5000% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 4,919 |
| Noncurrent loans to loans | 0.0472% | 4,686 |
| Net loans and leases to total assets | 33.5463% | 5,209 |
| Net loans and leases to deposits | 40.1308% | 5,201 |
| Net loans and leases to core deposits | 45.5218% | 5,123 |
| Total domestic deposits to total assets | 83.5924% | 3,087 |
| Equity capital to assets | 16.2073% | 503 |
| Core capital (leverage) ratio | 16.0843% | 505 |
| Tier 1 risk-based capital ratio | 41.1666% | 217 |
| Total risk-based capital ratio | 42.4128% | 215 |
| Memoranda: | ||
| Average total assets | $49,212,250 | 5,007 |
| Average earning assets | $47,158,000 | 4,965 |
| Average equity | $7,895,000 | 4,671 |
| Average total loans | $16,252,750 | 5,228 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7827% | 5,411 |
| Cost of funding earning assets | 0.3975% | 3,738 |
| Net interest margin | 2.3852% | 5,389 |
| Noninterest income to average assets | 0.3716% | 3,672 |
| Noninterest expense to average assets | 1.3027% | 5,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3476% | 1,607 |
| Return on assets (ROA) | 1.3476% | 1,613 |
| Pretax return on assets | 1.3476% | 2,332 |
| Return on Equity (ROE) | 8.4295% | 3,298 |
| Retained earnings to average equity (ytd only) | 5.1599% | 2,994 |
| Net charge-offs to loans | -0.0125% | 4,387 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1525% | 5,070 |
| Assets per employee ($millions) | 5.6113% | 1,793 |
| Cash dividends to net income (ytd only)* | 38.7879% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 2,143 |
| Loan loss allowance to noncurrent loans | 2,200.0000% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 4,945 |
| Noncurrent loans to loans | 0.0593% | 4,654 |
| Net loans and leases to total assets | 29.6543% | 5,331 |
| Net loans and leases to deposits | 35.2584% | 5,334 |
| Net loans and leases to core deposits | 39.8807% | 5,283 |
| Total domestic deposits to total assets | 84.1056% | 3,026 |
| Equity capital to assets | 15.6964% | 554 |
| Core capital (leverage) ratio | 15.9436% | 508 |
| Tier 1 risk-based capital ratio | 43.0841% | 195 |
| Total risk-based capital ratio | 44.3346% | 191 |
| Memoranda: | ||
| Average total assets | $48,975,670 | 5,068 |
| Average earning assets | $46,789,000 | 5,027 |
| Average equity | $7,829,670 | 4,725 |
| Average total loans | $16,021,670 | 5,294 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7456% | 5,469 |
| Cost of funding earning assets | 0.3661% | 3,866 |
| Net interest margin | 2.3796% | 5,446 |
| Noninterest income to average assets | 0.4314% | 3,229 |
| Noninterest expense to average assets | 1.3440% | 5,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3523% | 1,472 |
| Return on assets (ROA) | 1.3523% | 1,483 |
| Pretax return on assets | 1.3523% | 2,177 |
| Return on Equity (ROE) | 8.3794% | 3,203 |
| Retained earnings to average equity (ytd only) | 5.7062% | 2,850 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8462% | 5,092 |
| Assets per employee ($millions) | 5.5087% | 1,934 |
| Cash dividends to net income (ytd only)* | 31.9018% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 1,892 |
| Loan loss allowance to noncurrent loans | 2,188.8889% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 5,025 |
| Noncurrent loans to loans | 0.0633% | 4,693 |
| Net loans and leases to total assets | 28.2666% | 5,405 |
| Net loans and leases to deposits | 33.6519% | 5,399 |
| Net loans and leases to core deposits | 38.7159% | 5,339 |
| Total domestic deposits to total assets | 83.9969% | 3,329 |
| Equity capital to assets | 15.8014% | 520 |
| Core capital (leverage) ratio | 15.7695% | 520 |
| Tier 1 risk-based capital ratio | 47.4148% | 150 |
| Total risk-based capital ratio | 48.6679% | 149 |
| Memoranda: | ||
| Average total assets | $48,212,500 | 5,141 |
| Average earning assets | $45,891,000 | 5,110 |
| Average equity | $7,781,000 | 4,784 |
| Average total loans | $16,445,500 | 5,341 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6106% | 5,526 |
| Cost of funding earning assets | 0.2608% | 4,475 |
| Net interest margin | 2.3498% | 5,488 |
| Noninterest income to average assets | 0.4022% | 3,628 |
| Noninterest expense to average assets | 1.6237% | 5,394 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0172% | 2,168 |
| Return on assets (ROA) | 1.0172% | 2,203 |
| Pretax return on assets | 1.0172% | 3,508 |
| Return on Equity (ROE) | 6.3845% | 3,583 |
| Retained earnings to average equity (ytd only) | 4.0713% | 2,737 |
| Net charge-offs to loans | -0.0229% | 4,992 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4833% | 4,020 |
| Assets per employee ($millions) | 5.2052% | 2,249 |
| Cash dividends to net income (ytd only)* | 36.2319% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 3,595 |
| Loan loss allowance to noncurrent loans | 19,700.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,186 |
| Noncurrent loans to loans | 0.0054% | 5,038 |
| Net loans and leases to total assets | 39.4540% | 5,150 |
| Net loans and leases to deposits | 47.3498% | 5,150 |
| Net loans and leases to core deposits | 51.5392% | 5,082 |
| Total domestic deposits to total assets | 83.3244% | 3,456 |
| Equity capital to assets | 16.4963% | 456 |
| Core capital (leverage) ratio | 18.2189% | 283 |
| Tier 1 risk-based capital ratio | 39.2655% | 228 |
| Total risk-based capital ratio | 40.4947% | 224 |
| Memoranda: | ||
| Average total assets | $47,483,000 | 5,203 |
| Average earning assets | $45,238,200 | 5,164 |
| Average equity | $7,565,200 | 4,848 |
| Average total loans | $17,482,800 | 5,372 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4798% | 5,626 |
| Cost of funding earning assets | 0.2491% | 4,572 |
| Net interest margin | 2.2306% | 5,594 |
| Noninterest income to average assets | 0.3974% | 3,702 |
| Noninterest expense to average assets | 1.5084% | 5,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0187% | 2,481 |
| Return on assets (ROA) | 1.0187% | 2,516 |
| Pretax return on assets | 1.0187% | 3,613 |
| Return on Equity (ROE) | 6.4499% | 3,929 |
| Retained earnings to average equity (ytd only) | 4.0932% | 3,486 |
| Net charge-offs to loans | -0.0155% | 4,764 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6899% | 4,266 |
| Assets per employee ($millions) | 5.1087% | 2,319 |
| Cash dividends to net income (ytd only)* | 36.5388% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 3,909 |
| Loan loss allowance to noncurrent loans | 19,600.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 5,262 |
| Noncurrent loans to loans | 0.0052% | 5,125 |
| Net loans and leases to total assets | 41.0044% | 5,155 |
| Net loans and leases to deposits | 49.3185% | 5,147 |
| Net loans and leases to core deposits | 53.7735% | 5,079 |
| Total domestic deposits to total assets | 83.1419% | 3,415 |
| Equity capital to assets | 16.6601% | 467 |
| Core capital (leverage) ratio | 18.2388% | 290 |
| Tier 1 risk-based capital ratio | 38.7591% | 239 |
| Total risk-based capital ratio | 39.9798% | 237 |
| Memoranda: | ||
| Average total assets | $47,642,000 | 5,258 |
| Average earning assets | $45,487,000 | 5,220 |
| Average equity | $7,524,500 | 4,905 |
| Average total loans | $17,183,500 | 5,439 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3054% | 5,701 |
| Cost of funding earning assets | 0.2436% | 4,604 |
| Net interest margin | 2.0618% | 5,680 |
| Noninterest income to average assets | 0.3818% | 3,818 |
| Noninterest expense to average assets | 1.4856% | 5,582 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8631% | 3,106 |
| Return on assets (ROA) | 0.8631% | 3,158 |
| Pretax return on assets | 0.8631% | 4,066 |
| Return on Equity (ROE) | 5.5620% | 4,240 |
| Retained earnings to average equity (ytd only) | 3.1286% | 3,848 |
| Net charge-offs to loans | -0.0121% | 4,600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2509% | 3,794 |
| Assets per employee ($millions) | 5.3734% | 1,993 |
| Cash dividends to net income (ytd only)* | 43.7500% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 3,251 |
| Loan loss allowance to noncurrent loans | 975.0000% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 5,083 |
| Noncurrent loans to loans | 0.1189% | 4,643 |
| Net loans and leases to total assets | 34.3665% | 5,432 |
| Net loans and leases to deposits | 40.7933% | 5,429 |
| Net loans and leases to core deposits | 44.2315% | 5,391 |
| Total domestic deposits to total assets | 84.2456% | 3,109 |
| Equity capital to assets | 15.5931% | 594 |
| Core capital (leverage) ratio | 17.4967% | 329 |
| Tier 1 risk-based capital ratio | 41.0397% | 199 |
| Total risk-based capital ratio | 42.2864% | 197 |
| Memoranda: | ||
| Average total assets | $48,196,670 | 5,287 |
| Average earning assets | $45,979,670 | 5,238 |
| Average equity | $7,479,330 | 4,931 |
| Average total loans | $16,561,670 | 5,509 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1911% | 5,779 |
| Cost of funding earning assets | 0.2366% | 4,667 |
| Net interest margin | 1.9544% | 5,761 |
| Noninterest income to average assets | 0.4240% | 3,494 |
| Noninterest expense to average assets | 1.4798% | 5,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7981% | 3,229 |
| Return on assets (ROA) | 0.7981% | 3,283 |
| Pretax return on assets | 0.7981% | 4,117 |
| Return on Equity (ROE) | 5.1554% | 4,318 |
| Retained earnings to average equity (ytd only) | 3.5443% | 3,672 |
| Net charge-offs to loans | -0.0243% | 4,844 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9635% | 3,669 |
| Assets per employee ($millions) | 5.5024% | 1,887 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 2,600 |
| Loan loss allowance to noncurrent loans | 843.4783% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 5,120 |
| Noncurrent loans to loans | 0.1526% | 4,578 |
| Net loans and leases to total assets | 30.0432% | 5,587 |
| Net loans and leases to deposits | 35.4542% | 5,594 |
| Net loans and leases to core deposits | 38.6663% | 5,553 |
| Total domestic deposits to total assets | 84.7381% | 3,193 |
| Equity capital to assets | 15.1165% | 630 |
| Core capital (leverage) ratio | 15.1582% | 578 |
| Tier 1 risk-based capital ratio | 43.7591% | 179 |
| Total risk-based capital ratio | 45.0102% | 175 |
| Memoranda: | ||
| Average total assets | $48,114,500 | 5,349 |
| Average earning assets | $45,639,500 | 5,300 |
| Average equity | $7,448,500 | 4,979 |
| Average total loans | $16,435,000 | 5,578 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3350% | 5,800 |
| Cost of funding earning assets | 0.2392% | 4,661 |
| Net interest margin | 2.0957% | 5,788 |
| Noninterest income to average assets | 0.4253% | 3,712 |
| Noninterest expense to average assets | 1.7299% | 5,536 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6928% | 3,818 |
| Return on assets (ROA) | 0.6928% | 3,924 |
| Pretax return on assets | 0.6928% | 4,517 |
| Return on Equity (ROE) | 4.3010% | 4,735 |
| Retained earnings to average equity (ytd only) | 2.4635% | 4,120 |
| Net charge-offs to loans | -0.0236% | 5,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4027% | 2,681 |
| Assets per employee ($millions) | 5.1897% | 2,190 |
| Cash dividends to net income (ytd only)* | 42.7215% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 3,801 |
| Loan loss allowance to noncurrent loans | 965.0000% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 5,184 |
| Noncurrent loans to loans | 0.1124% | 4,781 |
| Net loans and leases to total assets | 37.6924% | 5,412 |
| Net loans and leases to deposits | 44.8970% | 5,404 |
| Net loans and leases to core deposits | 49.2820% | 5,322 |
| Total domestic deposits to total assets | 83.9532% | 3,436 |
| Equity capital to assets | 15.8670% | 512 |
| Core capital (leverage) ratio | 16.3253% | 420 |
| Tier 1 risk-based capital ratio | 39.3506% | 231 |
| Total risk-based capital ratio | 40.6019% | 229 |
| Memoranda: | ||
| Average total assets | $45,609,600 | 5,425 |
| Average earning assets | $43,469,800 | 5,390 |
| Average equity | $7,347,200 | 5,032 |
| Average total loans | $16,957,400 | 5,616 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2563% | 5,878 |
| Cost of funding earning assets | 0.2367% | 4,733 |
| Net interest margin | 2.0196% | 5,871 |
| Noninterest income to average assets | 0.4264% | 3,722 |
| Noninterest expense to average assets | 1.5823% | 5,702 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7764% | 3,477 |
| Return on assets (ROA) | 0.7764% | 3,621 |
| Pretax return on assets | 0.7764% | 4,390 |
| Return on Equity (ROE) | 4.8012% | 4,600 |
| Retained earnings to average equity (ytd only) | 2.3461% | 4,509 |
| Net charge-offs to loans | -0.0239% | 5,071 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0823% | 3,410 |
| Assets per employee ($millions) | 5.0232% | 2,348 |
| Cash dividends to net income (ytd only)* | 51.1378% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 3,992 |
| Loan loss allowance to noncurrent loans | 960.0000% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 5,296 |
| Noncurrent loans to loans | 0.1119% | 4,888 |
| Net loans and leases to total assets | 39.1250% | 5,427 |
| Net loans and leases to deposits | 46.8743% | 5,417 |
| Net loans and leases to core deposits | 51.6423% | 5,323 |
| Total domestic deposits to total assets | 83.4679% | 3,409 |
| Equity capital to assets | 16.3574% | 503 |
| Core capital (leverage) ratio | 16.2153% | 442 |
| Tier 1 risk-based capital ratio | 39.6064% | 230 |
| Total risk-based capital ratio | 40.8525% | 229 |
| Memoranda: | ||
| Average total assets | $45,335,250 | 5,486 |
| Average earning assets | $43,373,250 | 5,445 |
| Average equity | $7,331,250 | 5,087 |
| Average total loans | $16,747,250 | 5,682 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1747% | 5,977 |
| Cost of funding earning assets | 0.2309% | 4,843 |
| Net interest margin | 1.9438% | 5,960 |
| Noninterest income to average assets | 0.4363% | 3,630 |
| Noninterest expense to average assets | 1.5514% | 5,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7405% | 3,601 |
| Return on assets (ROA) | 0.7405% | 3,759 |
| Pretax return on assets | 0.7405% | 4,493 |
| Return on Equity (ROE) | 4.5964% | 4,678 |
| Retained earnings to average equity (ytd only) | 2.1341% | 4,504 |
| Net charge-offs to loans | -0.0244% | 5,037 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6923% | 3,406 |
| Assets per employee ($millions) | 4.9693% | 2,334 |
| Cash dividends to net income (ytd only)* | 53.5714% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 3,564 |
| Loan loss allowance to noncurrent loans | 397.9167% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 5,079 |
| Noncurrent loans to loans | 0.2923% | 4,322 |
| Net loans and leases to total assets | 36.2870% | 5,594 |
| Net loans and leases to deposits | 43.5176% | 5,582 |
| Net loans and leases to core deposits | 47.9963% | 5,500 |
| Total domestic deposits to total assets | 83.3848% | 3,508 |
| Equity capital to assets | 16.4297% | 491 |
| Core capital (leverage) ratio | 16.2256% | 438 |
| Tier 1 risk-based capital ratio | 42.4178% | 201 |
| Total risk-based capital ratio | 43.6699% | 198 |
| Memoranda: | ||
| Average total assets | $45,377,330 | 5,551 |
| Average earning assets | $43,316,330 | 5,511 |
| Average equity | $7,310,000 | 5,139 |
| Average total loans | $16,369,670 | 5,761 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1655% | 6,039 |
| Cost of funding earning assets | 0.2212% | 4,986 |
| Net interest margin | 1.9444% | 6,024 |
| Noninterest income to average assets | 0.4551% | 3,450 |
| Noninterest expense to average assets | 1.5228% | 5,898 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7789% | 3,359 |
| Return on assets (ROA) | 0.7789% | 3,461 |
| Pretax return on assets | 0.7789% | 4,272 |
| Return on Equity (ROE) | 4.8827% | 4,536 |
| Retained earnings to average equity (ytd only) | 2.9626% | 4,031 |
| Net charge-offs to loans | -0.0245% | 4,972 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1597% | 3,775 |
| Assets per employee ($millions) | 5.0669% | 2,272 |
| Cash dividends to net income (ytd only)* | 39.3258% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 2,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 31.6499% | 5,789 |
| Net loans and leases to deposits | 37.7837% | 5,784 |
| Net loans and leases to core deposits | 41.1783% | 5,743 |
| Total domestic deposits to total assets | 83.7661% | 3,612 |
| Equity capital to assets | 16.0475% | 527 |
| Core capital (leverage) ratio | 15.6882% | 511 |
| Tier 1 risk-based capital ratio | 45.6596% | 167 |
| Total risk-based capital ratio | 46.9060% | 164 |
| Memoranda: | ||
| Average total assets | $45,704,000 | 5,600 |
| Average earning assets | $43,407,500 | 5,562 |
| Average equity | $7,291,000 | 5,177 |
| Average total loans | $16,344,500 | 5,811 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3010% | 6,051 |
| Cost of funding earning assets | 0.2036% | 5,254 |
| Net interest margin | 2.0973% | 6,024 |
| Noninterest income to average assets | 0.4155% | 3,919 |
| Noninterest expense to average assets | 1.6350% | 5,890 |
| Loan and lease loss provision to assets | 0.0893% | 2,512 |
| Net operating income to assets | 0.6924% | 3,851 |
| Return on assets (ROA) | 0.6924% | 3,959 |
| Pretax return on assets | 0.6924% | 4,547 |
| Return on Equity (ROE) | 4.3261% | 4,809 |
| Retained earnings to average equity (ytd only) | 2.3026% | 4,420 |
| Net charge-offs to loans | -0.0229% | 5,313 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6525% | 3,633 |
| Assets per employee ($millions) | 5.0896% | 2,261 |
| Cash dividends to net income (ytd only)* | 46.7742% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0462% | 4,340 |
| Loan loss allowance to noncurrent loans | 337.5000% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 5,105 |
| Noncurrent loans to loans | 0.3100% | 4,347 |
| Net loans and leases to total assets | 39.0276% | 5,572 |
| Net loans and leases to deposits | 46.4929% | 5,543 |
| Net loans and leases to core deposits | 50.6316% | 5,468 |
| Total domestic deposits to total assets | 83.9432% | 3,504 |
| Equity capital to assets | 15.8582% | 536 |
| Core capital (leverage) ratio | 16.1888% | 447 |
| Tier 1 risk-based capital ratio | 38.6102% | 248 |
| Total risk-based capital ratio | 39.8577% | 248 |
| Memoranda: | ||
| Average total assets | $44,770,200 | 5,664 |
| Average earning assets | $42,720,800 | 5,619 |
| Average equity | $7,165,800 | 5,215 |
| Average total loans | $17,482,400 | 5,812 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2309% | 6,163 |
| Cost of funding earning assets | 0.1977% | 5,396 |
| Net interest margin | 2.0332% | 6,131 |
| Noninterest income to average assets | 0.4134% | 3,983 |
| Noninterest expense to average assets | 1.5756% | 5,991 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7788% | 3,531 |
| Return on assets (ROA) | 0.7788% | 3,618 |
| Pretax return on assets | 0.7788% | 4,401 |
| Return on Equity (ROE) | 4.8543% | 4,692 |
| Retained earnings to average equity (ytd only) | 2.1471% | 4,812 |
| Net charge-offs to loans | -0.0231% | 5,251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9211% | 3,727 |
| Assets per employee ($millions) | 4.8092% | 2,550 |
| Cash dividends to net income (ytd only)* | 55.7693% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7696% | 5,588 |
| Loan loss allowance to noncurrent loans | 194.7368% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 5,049 |
| Noncurrent loans to loans | 0.3952% | 4,200 |
| Net loans and leases to total assets | 44.0866% | 5,353 |
| Net loans and leases to deposits | 53.0321% | 5,313 |
| Net loans and leases to core deposits | 55.0088% | 5,355 |
| Total domestic deposits to total assets | 83.1319% | 3,763 |
| Equity capital to assets | 16.6740% | 472 |
| Core capital (leverage) ratio | 16.1918% | 464 |
| Tier 1 risk-based capital ratio | 37.4036% | 295 |
| Total risk-based capital ratio | 38.4082% | 297 |
| Memoranda: | ||
| Average total assets | $44,511,250 | 5,743 |
| Average earning assets | $42,493,500 | 5,694 |
| Average equity | $7,141,250 | 5,287 |
| Average total loans | $17,336,500 | 5,886 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1380% | 6,250 |
| Cost of funding earning assets | 0.1965% | 5,468 |
| Net interest margin | 1.9415% | 6,220 |
| Noninterest income to average assets | 0.4096% | 4,008 |
| Noninterest expense to average assets | 1.6028% | 6,047 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6545% | 4,101 |
| Return on assets (ROA) | 0.6545% | 4,208 |
| Pretax return on assets | 0.6545% | 4,810 |
| Return on Equity (ROE) | 4.1315% | 4,965 |
| Retained earnings to average equity (ytd only) | 1.0118% | 5,164 |
| Net charge-offs to loans | -0.0239% | 5,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0059% | 3,152 |
| Assets per employee ($millions) | 4.9849% | 2,290 |
| Cash dividends to net income (ytd only)* | 75.5102% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8881% | 5,345 |
| Loan loss allowance to noncurrent loans | 193.4211% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 5,199 |
| Noncurrent loans to loans | 0.4591% | 4,102 |
| Net loans and leases to total assets | 36.5683% | 5,790 |
| Net loans and leases to deposits | 43.5855% | 5,781 |
| Net loans and leases to core deposits | 45.1347% | 5,800 |
| Total domestic deposits to total assets | 83.9002% | 3,611 |
| Equity capital to assets | 15.9081% | 538 |
| Core capital (leverage) ratio | 16.0655% | 455 |
| Tier 1 risk-based capital ratio | 39.6911% | 268 |
| Total risk-based capital ratio | 40.7634% | 270 |
| Memoranda: | ||
| Average total assets | $44,920,670 | 5,794 |
| Average earning assets | $42,750,000 | 5,747 |
| Average equity | $7,116,000 | 5,338 |
| Average total loans | $16,705,330 | 5,976 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1935% | 6,307 |
| Cost of funding earning assets | 0.1977% | 5,537 |
| Net interest margin | 1.9958% | 6,275 |
| Noninterest income to average assets | 0.4183% | 3,855 |
| Noninterest expense to average assets | 1.6107% | 6,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6941% | 3,830 |
| Return on assets (ROA) | 0.6941% | 3,956 |
| Pretax return on assets | 0.6941% | 4,613 |
| Return on Equity (ROE) | 4.3910% | 4,806 |
| Retained earnings to average equity (ytd only) | 1.9140% | 4,709 |
| Net charge-offs to loans | -0.0238% | 5,128 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8842% | 3,507 |
| Assets per employee ($millions) | 5.0133% | 2,340 |
| Cash dividends to net income (ytd only)* | 56.4103% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9476% | 5,257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 33.8231% | 5,932 |
| Net loans and leases to deposits | 40.2368% | 5,906 |
| Net loans and leases to core deposits | 41.3555% | 5,925 |
| Total domestic deposits to total assets | 84.0603% | 3,802 |
| Equity capital to assets | 15.7868% | 570 |
| Core capital (leverage) ratio | 15.4737% | 539 |
| Tier 1 risk-based capital ratio | 35.4202% | 349 |
| Total risk-based capital ratio | 36.3749% | 355 |
| Memoranda: | ||
| Average total assets | $44,949,000 | 5,843 |
| Average earning assets | $42,488,500 | 5,798 |
| Average equity | $7,105,500 | 5,383 |
| Average total loans | $16,781,500 | 6,028 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2414% | 6,393 |
| Cost of funding earning assets | 0.2015% | 5,731 |
| Net interest margin | 2.0400% | 6,356 |
| Noninterest income to average assets | 0.4171% | 4,060 |
| Noninterest expense to average assets | 1.5646% | 6,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7967% | 3,389 |
| Return on assets (ROA) | 0.7967% | 3,490 |
| Pretax return on assets | 0.7967% | 4,270 |
| Return on Equity (ROE) | 5.1892% | 4,570 |
| Retained earnings to average equity (ytd only) | 2.8461% | 4,208 |
| Net charge-offs to loans | -0.0236% | 5,737 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2617% | 4,208 |
| Assets per employee ($millions) | 4.9753% | 2,350 |
| Cash dividends to net income (ytd only)* | 45.1524% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7986% | 5,773 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 40.2229% | 5,729 |
| Net loans and leases to deposits | 47.8965% | 5,692 |
| Net loans and leases to core deposits | 49.5952% | 5,732 |
| Total domestic deposits to total assets | 83.9787% | 3,724 |
| Equity capital to assets | 15.8292% | 561 |
| Core capital (leverage) ratio | 16.1869% | 451 |
| Tier 1 risk-based capital ratio | 31.8273% | 438 |
| Total risk-based capital ratio | 32.6826% | 447 |
| Memoranda: | ||
| Average total assets | $45,314,000 | 5,898 |
| Average earning assets | $43,186,800 | 5,847 |
| Average equity | $6,956,800 | 5,425 |
| Average total loans | $16,926,400 | 6,090 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1264% | 6,490 |
| Cost of funding earning assets | 0.1986% | 5,843 |
| Net interest margin | 1.9278% | 6,465 |
| Noninterest income to average assets | 0.4371% | 3,976 |
| Noninterest expense to average assets | 1.4463% | 6,378 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8420% | 3,222 |
| Return on assets (ROA) | 0.8420% | 3,312 |
| Pretax return on assets | 0.8420% | 4,214 |
| Return on Equity (ROE) | 5.5266% | 4,474 |
| Retained earnings to average equity (ytd only) | 2.4841% | 4,806 |
| Net charge-offs to loans | -0.0321% | 5,761 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2051% | 4,685 |
| Assets per employee ($millions) | 4.8620% | 2,431 |
| Cash dividends to net income (ytd only)* | 55.0515% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7709% | 5,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 42.6528% | 5,623 |
| Net loans and leases to deposits | 50.8889% | 5,588 |
| Net loans and leases to core deposits | 52.7410% | 5,640 |
| Total domestic deposits to total assets | 83.8155% | 3,831 |
| Equity capital to assets | 15.9971% | 569 |
| Core capital (leverage) ratio | 16.0302% | 474 |
| Tier 1 risk-based capital ratio | 30.9325% | 487 |
| Total risk-based capital ratio | 31.7718% | 491 |
| Memoranda: | ||
| Average total assets | $45,448,000 | 5,961 |
| Average earning assets | $43,640,750 | 5,905 |
| Average equity | $6,924,000 | 5,482 |
| Average total loans | $16,619,000 | 6,165 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9904% | 6,573 |
| Cost of funding earning assets | 0.1995% | 5,919 |
| Net interest margin | 1.7909% | 6,558 |
| Noninterest income to average assets | 0.4173% | 4,117 |
| Noninterest expense to average assets | 1.4170% | 6,461 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7172% | 3,744 |
| Return on assets (ROA) | 0.7172% | 3,842 |
| Pretax return on assets | 0.7172% | 4,582 |
| Return on Equity (ROE) | 4.7835% | 4,775 |
| Retained earnings to average equity (ytd only) | 1.3626% | 5,200 |
| Net charge-offs to loans | -0.0252% | 5,615 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3951% | 4,299 |
| Assets per employee ($millions) | 4.9597% | 2,269 |
| Cash dividends to net income (ytd only)* | 71.5152% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8578% | 5,855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 37.0276% | 6,002 |
| Net loans and leases to deposits | 43.9341% | 5,986 |
| Net loans and leases to core deposits | 45.4916% | 6,013 |
| Total domestic deposits to total assets | 84.2799% | 3,821 |
| Equity capital to assets | 15.5230% | 611 |
| Core capital (leverage) ratio | 15.4614% | 540 |
| Tier 1 risk-based capital ratio | 32.9481% | 411 |
| Total risk-based capital ratio | 33.8432% | 413 |
| Memoranda: | ||
| Average total assets | $46,011,330 | 6,007 |
| Average earning assets | $44,111,000 | 5,949 |
| Average equity | $6,898,670 | 5,511 |
| Average total loans | $15,889,000 | 6,252 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8915% | 6,655 |
| Cost of funding earning assets | 0.1874% | 6,095 |
| Net interest margin | 1.7041% | 6,637 |
| Noninterest income to average assets | 0.4283% | 3,965 |
| Noninterest expense to average assets | 1.4390% | 6,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6253% | 4,063 |
| Return on assets (ROA) | 0.6253% | 4,149 |
| Pretax return on assets | 0.6253% | 4,740 |
| Return on Equity (ROE) | 4.2420% | 4,910 |
| Retained earnings to average equity (ytd only) | 1.3365% | 5,079 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7095% | 3,880 |
| Assets per employee ($millions) | 5.1474% | 2,075 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 5,504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 29.9825% | 6,355 |
| Net loans and leases to deposits | 35.2780% | 6,340 |
| Net loans and leases to core deposits | 36.4691% | 6,354 |
| Total domestic deposits to total assets | 84.9893% | 3,871 |
| Equity capital to assets | 14.8747% | 702 |
| Core capital (leverage) ratio | 14.5297% | 694 |
| Tier 1 risk-based capital ratio | 36.0100% | 316 |
| Total risk-based capital ratio | 36.9812% | 320 |
| Memoranda: | ||
| Average total assets | $46,698,500 | 6,048 |
| Average earning assets | $44,833,000 | 5,977 |
| Average equity | $6,883,500 | 5,547 |
| Average total loans | $15,498,000 | 6,330 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2000% | 6,688 |
| Cost of funding earning assets | 0.2275% | 6,122 |
| Net interest margin | 1.9725% | 6,653 |
| Noninterest income to average assets | 0.4156% | 4,336 |
| Noninterest expense to average assets | 1.4094% | 6,625 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8553% | 3,002 |
| Return on assets (ROA) | 0.8553% | 3,081 |
| Pretax return on assets | 0.8553% | 3,940 |
| Return on Equity (ROE) | 5.8535% | 4,174 |
| Retained earnings to average equity (ytd only) | 3.1299% | 4,010 |
| Net charge-offs to loans | -0.0125% | 6,057 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2330% | 5,173 |
| Assets per employee ($millions) | 5.2300% | 1,928 |
| Cash dividends to net income (ytd only)* | 46.5296% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8311% | 6,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 35.7425% | 6,216 |
| Net loans and leases to deposits | 41.9447% | 6,226 |
| Net loans and leases to core deposits | 43.3329% | 6,256 |
| Total domestic deposits to total assets | 85.2135% | 3,630 |
| Equity capital to assets | 14.6080% | 758 |
| Core capital (leverage) ratio | 15.5248% | 537 |
| Tier 1 risk-based capital ratio | 31.7174% | 441 |
| Total risk-based capital ratio | 32.5759% | 447 |
| Memoranda: | ||
| Average total assets | $45,481,200 | 6,137 |
| Average earning assets | $42,636,800 | 6,090 |
| Average equity | $6,645,600 | 5,661 |
| Average total loans | $15,939,800 | 6,373 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1583% | 6,778 |
| Cost of funding earning assets | 0.2345% | 6,194 |
| Net interest margin | 1.9238% | 6,744 |
| Noninterest income to average assets | 0.4140% | 4,416 |
| Noninterest expense to average assets | 1.2983% | 6,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9109% | 2,775 |
| Return on assets (ROA) | 0.9109% | 2,882 |
| Pretax return on assets | 0.9109% | 3,839 |
| Return on Equity (ROE) | 6.2335% | 4,054 |
| Retained earnings to average equity (ytd only) | 2.6917% | 4,704 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7684% | 5,592 |
| Assets per employee ($millions) | 4.8874% | 2,322 |
| Cash dividends to net income (ytd only)* | 56.8183% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 6,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 39.7981% | 6,047 |
| Net loans and leases to deposits | 47.1276% | 6,026 |
| Net loans and leases to core deposits | 48.8163% | 6,078 |
| Total domestic deposits to total assets | 84.4477% | 4,005 |
| Equity capital to assets | 15.3818% | 643 |
| Core capital (leverage) ratio | 15.7248% | 530 |
| Tier 1 risk-based capital ratio | 31.4540% | 457 |
| Total risk-based capital ratio | 32.3054% | 463 |
| Memoranda: | ||
| Average total assets | $45,084,000 | 6,215 |
| Average earning assets | $42,069,000 | 6,178 |
| Average equity | $6,588,000 | 5,743 |
| Average total loans | $15,683,500 | 6,452 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0920% | 6,835 |
| Cost of funding earning assets | 0.2478% | 6,187 |
| Net interest margin | 1.8442% | 6,807 |
| Noninterest income to average assets | 0.3916% | 4,586 |
| Noninterest expense to average assets | 1.2013% | 6,833 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8933% | 2,836 |
| Return on assets (ROA) | 0.8933% | 2,982 |
| Pretax return on assets | 0.8933% | 3,933 |
| Return on Equity (ROE) | 6.2187% | 4,041 |
| Retained earnings to average equity (ytd only) | 2.0219% | 4,985 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3529% | 5,820 |
| Assets per employee ($millions) | 4.9152% | 2,207 |
| Cash dividends to net income (ytd only)* | 67.4877% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8941% | 6,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 34.8283% | 6,372 |
| Net loans and leases to deposits | 41.1875% | 6,359 |
| Net loans and leases to core deposits | 42.6503% | 6,380 |
| Total domestic deposits to total assets | 84.5604% | 4,102 |
| Equity capital to assets | 15.2384% | 668 |
| Core capital (leverage) ratio | 14.9971% | 611 |
| Tier 1 risk-based capital ratio | 33.6667% | 383 |
| Total risk-based capital ratio | 34.5871% | 389 |
| Memoranda: | ||
| Average total assets | $45,449,670 | 6,250 |
| Average earning assets | $41,968,670 | 6,228 |
| Average equity | $6,528,670 | 5,801 |
| Average total loans | $15,029,670 | 6,518 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9992% | 6,926 |
| Cost of funding earning assets | 0.2546% | 6,262 |
| Net interest margin | 1.7445% | 6,901 |
| Noninterest income to average assets | 0.4343% | 4,222 |
| Noninterest expense to average assets | 1.4157% | 6,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6253% | 4,099 |
| Return on assets (ROA) | 0.6253% | 4,254 |
| Pretax return on assets | 0.6253% | 4,855 |
| Return on Equity (ROE) | 4.4842% | 4,854 |
| Retained earnings to average equity (ytd only) | 1.8684% | 5,063 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3617% | 4,083 |
| Assets per employee ($millions) | 5.1357% | 2,054 |
| Cash dividends to net income (ytd only)* | 58.3333% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 6,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 30.1551% | 6,599 |
| Net loans and leases to deposits | 35.0968% | 6,601 |
| Net loans and leases to core deposits | 36.0332% | 6,622 |
| Total domestic deposits to total assets | 85.9198% | 3,570 |
| Equity capital to assets | 13.9222% | 1,056 |
| Core capital (leverage) ratio | 13.6618% | 888 |
| Tier 1 risk-based capital ratio | 33.1751% | 409 |
| Total risk-based capital ratio | 34.1295% | 404 |
| Memoranda: | ||
| Average total assets | $46,056,000 | 6,289 |
| Average earning assets | $42,418,000 | 6,263 |
| Average equity | $6,422,500 | 5,881 |
| Average total loans | $14,771,500 | 6,590 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4058% | 6,956 |
| Cost of funding earning assets | 0.3310% | 6,308 |
| Net interest margin | 2.0748% | 6,908 |
| Noninterest income to average assets | 0.4702% | 4,097 |
| Noninterest expense to average assets | 1.5993% | 6,807 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7792% | 3,376 |
| Return on assets (ROA) | 0.7792% | 3,624 |
| Pretax return on assets | 0.7792% | 4,368 |
| Return on Equity (ROE) | 5.4460% | 4,454 |
| Retained earnings to average equity (ytd only) | 3.4613% | 3,790 |
| Net charge-offs to loans | 0.1431% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 16.3333% | 1,582 |
| Efficiency ratio | 67.2397% | 4,286 |
| Assets per employee ($millions) | 4.5891% | 2,804 |
| Cash dividends to net income (ytd only)* | 36.4431% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 6,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 33.3987% | 6,573 |
| Net loans and leases to deposits | 38.9030% | 6,600 |
| Net loans and leases to core deposits | 40.9506% | 6,583 |
| Total domestic deposits to total assets | 85.8513% | 3,429 |
| Equity capital to assets | 13.9679% | 1,060 |
| Core capital (leverage) ratio | 14.1954% | 744 |
| Tier 1 risk-based capital ratio | 31.1545% | 465 |
| Total risk-based capital ratio | 32.0549% | 473 |
| Memoranda: | ||
| Average total assets | $44,019,200 | 6,374 |
| Average earning assets | $40,485,800 | 6,348 |
| Average equity | $6,298,200 | 5,943 |
| Average total loans | $14,672,000 | 6,679 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3583% | 7,077 |
| Cost of funding earning assets | 0.3559% | 6,352 |
| Net interest margin | 2.0024% | 7,036 |
| Noninterest income to average assets | 0.4868% | 4,010 |
| Noninterest expense to average assets | 1.5430% | 6,916 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7868% | 3,518 |
| Return on assets (ROA) | 0.7868% | 3,760 |
| Pretax return on assets | 0.7868% | 4,548 |
| Return on Equity (ROE) | 5.4649% | 4,614 |
| Retained earnings to average equity (ytd only) | 3.1683% | 4,642 |
| Net charge-offs to loans | 0.1935% | 3,571 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 12.2379% | 2,014 |
| Efficiency ratio | 66.2286% | 4,411 |
| Assets per employee ($millions) | 4.1770% | 3,522 |
| Cash dividends to net income (ytd only)* | 42.0242% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8079% | 6,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 40.8571% | 6,212 |
| Net loans and leases to deposits | 48.2868% | 6,244 |
| Net loans and leases to core deposits | 51.1341% | 6,232 |
| Total domestic deposits to total assets | 84.6134% | 3,925 |
| Equity capital to assets | 15.1927% | 775 |
| Core capital (leverage) ratio | 14.9575% | 614 |
| Tier 1 risk-based capital ratio | 30.0841% | 530 |
| Total risk-based capital ratio | 30.9629% | 539 |
| Memoranda: | ||
| Average total assets | $43,551,250 | 6,458 |
| Average earning assets | $40,085,000 | 6,434 |
| Average equity | $6,270,250 | 6,017 |
| Average total loans | $14,473,500 | 6,771 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2270% | 7,158 |
| Cost of funding earning assets | 0.3835% | 6,361 |
| Net interest margin | 1.8436% | 7,141 |
| Noninterest income to average assets | 0.4938% | 3,955 |
| Noninterest expense to average assets | 1.4770% | 7,018 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7158% | 3,779 |
| Return on assets (ROA) | 0.7158% | 4,049 |
| Pretax return on assets | 0.7158% | 4,780 |
| Return on Equity (ROE) | 5.0600% | 4,787 |
| Retained earnings to average equity (ytd only) | 2.4019% | 4,993 |
| Net charge-offs to loans | 0.3097% | 2,791 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 7.5238% | 2,462 |
| Efficiency ratio | 67.3554% | 4,264 |
| Assets per employee ($millions) | 4.2024% | 3,451 |
| Cash dividends to net income (ytd only)* | 52.5316% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9324% | 6,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 35.1418% | 6,659 |
| Net loans and leases to deposits | 41.4145% | 6,681 |
| Net loans and leases to core deposits | 44.1918% | 6,654 |
| Total domestic deposits to total assets | 84.8539% | 3,928 |
| Equity capital to assets | 14.9272% | 805 |
| Core capital (leverage) ratio | 17.0537% | 362 |
| Tier 1 risk-based capital ratio | 32.5090% | 417 |
| Total risk-based capital ratio | 33.4702% | 427 |
| Memoranda: | ||
| Average total assets | $44,145,000 | 6,484 |
| Average earning assets | $40,682,330 | 6,456 |
| Average equity | $6,245,000 | 6,051 |
| Average total loans | $13,563,000 | 6,858 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1082% | 7,231 |
| Cost of funding earning assets | 0.4025% | 6,399 |
| Net interest margin | 1.7057% | 7,216 |
| Noninterest income to average assets | 0.4955% | 3,938 |
| Noninterest expense to average assets | 1.4688% | 7,076 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6017% | 4,335 |
| Return on assets (ROA) | 0.6017% | 4,555 |
| Pretax return on assets | 0.6017% | 5,114 |
| Return on Equity (ROE) | 4.3653% | 5,111 |
| Retained earnings to average equity (ytd only) | 3.5307% | 4,464 |
| Net charge-offs to loans | 0.6516% | 1,501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 3.2381% | 2,906 |
| Efficiency ratio | 70.9402% | 3,636 |
| Assets per employee ($millions) | 4.4076% | 3,177 |
| Cash dividends to net income (ytd only)* | 19.1176% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 5,858 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 28.0447% | 6,979 |
| Net loans and leases to deposits | 32.7791% | 6,988 |
| Net loans and leases to core deposits | 34.8806% | 6,969 |
| Total domestic deposits to total assets | 85.5568% | 3,766 |
| Equity capital to assets | 14.1982% | 950 |
| Core capital (leverage) ratio | 15.4697% | 535 |
| Tier 1 risk-based capital ratio | 34.9585% | 337 |
| Total risk-based capital ratio | 35.9953% | 338 |
| Memoranda: | ||
| Average total assets | $45,205,500 | 6,503 |
| Average earning assets | $41,741,500 | 6,462 |
| Average equity | $6,231,000 | 6,088 |
| Average total loans | $12,891,000 | 6,943 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3396% | 7,270 |
| Cost of funding earning assets | 0.5096% | 6,486 |
| Net interest margin | 1.8300% | 7,251 |
| Noninterest income to average assets | 0.5223% | 3,704 |
| Noninterest expense to average assets | 1.5938% | 7,125 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6663% | 3,653 |
| Return on assets (ROA) | 0.6663% | 3,842 |
| Pretax return on assets | 0.6663% | 4,451 |
| Return on Equity (ROE) | 4.8013% | 4,480 |
| Retained earnings to average equity (ytd only) | 1.0381% | 5,375 |
| Net charge-offs to loans | 0.0076% | 6,321 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 296.0000% | 123 |
| Efficiency ratio | 70.5179% | 3,841 |
| Assets per employee ($millions) | 4.6335% | 2,708 |
| Cash dividends to net income (ytd only)* | 78.3784% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 5,368 |
| Loan loss allowance to noncurrent loans | 16,000.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 7,014 |
| Noncurrent loans to loans | 0.0075% | 6,844 |
| Net loans and leases to total assets | 28.3198% | 7,052 |
| Net loans and leases to deposits | 32.8009% | 7,075 |
| Net loans and leases to core deposits | 34.7428% | 7,065 |
| Total domestic deposits to total assets | 86.3386% | 3,122 |
| Equity capital to assets | 13.3894% | 1,327 |
| Core capital (leverage) ratio | 15.5796% | 510 |
| Tier 1 risk-based capital ratio | 32.5231% | 407 |
| Total risk-based capital ratio | 33.6069% | 404 |
| Memoranda: | ||
| Average total assets | $44,422,600 | 6,522 |
| Average earning assets | $42,186,200 | 6,459 |
| Average equity | $6,165,000 | 6,111 |
| Average total loans | $13,083,800 | 6,991 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3220% | 7,353 |
| Cost of funding earning assets | 0.5195% | 6,625 |
| Net interest margin | 1.8025% | 7,333 |
| Noninterest income to average assets | 0.5492% | 3,516 |
| Noninterest expense to average assets | 1.5261% | 7,211 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7494% | 3,384 |
| Return on assets (ROA) | 0.7494% | 3,544 |
| Pretax return on assets | 0.7494% | 4,313 |
| Return on Equity (ROE) | 5.3504% | 4,365 |
| Retained earnings to average equity (ytd only) | 0.8664% | 5,662 |
| Net charge-offs to loans | 0.0102% | 6,013 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 247.6165% | 163 |
| Efficiency ratio | 67.0667% | 4,508 |
| Assets per employee ($millions) | 4.6017% | 2,753 |
| Cash dividends to net income (ytd only)* | 83.8035% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 5,645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 29.6586% | 7,098 |
| Net loans and leases to deposits | 34.3700% | 7,120 |
| Net loans and leases to core deposits | 36.6724% | 7,102 |
| Total domestic deposits to total assets | 86.2920% | 3,042 |
| Equity capital to assets | 13.4450% | 1,392 |
| Core capital (leverage) ratio | 16.1998% | 478 |
| Tier 1 risk-based capital ratio | 31.8163% | 460 |
| Total risk-based capital ratio | 32.8805% | 460 |
| Memoranda: | ||
| Average total assets | $43,944,500 | 6,594 |
| Average earning assets | $42,088,250 | 6,515 |
| Average equity | $6,155,250 | 6,164 |
| Average total loans | $13,034,250 | 7,062 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2931% | 7,432 |
| Cost of funding earning assets | 0.5432% | 6,690 |
| Net interest margin | 1.7499% | 7,415 |
| Noninterest income to average assets | 0.5364% | 3,587 |
| Noninterest expense to average assets | 1.5582% | 7,276 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6612% | 3,734 |
| Return on assets (ROA) | 0.6612% | 3,861 |
| Pretax return on assets | 0.6612% | 4,526 |
| Return on Equity (ROE) | 4.6544% | 4,614 |
| Retained earnings to average equity (ytd only) | 0.7486% | 5,560 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2083% | 4,076 |
| Assets per employee ($millions) | 4.2459% | 3,265 |
| Cash dividends to net income (ytd only)* | 83.9161% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 5,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 32.0662% | 7,112 |
| Net loans and leases to deposits | 37.6386% | 7,131 |
| Net loans and leases to core deposits | 40.4186% | 7,119 |
| Total domestic deposits to total assets | 85.1951% | 3,787 |
| Equity capital to assets | 14.5152% | 936 |
| Core capital (leverage) ratio | 15.8875% | 520 |
| Tier 1 risk-based capital ratio | 33.0962% | 416 |
| Total risk-based capital ratio | 34.2118% | 408 |
| Memoranda: | ||
| Average total assets | $43,253,670 | 6,670 |
| Average earning assets | $41,602,330 | 6,580 |
| Average equity | $6,144,670 | 6,189 |
| Average total loans | $12,776,330 | 7,135 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1806% | 7,499 |
| Cost of funding earning assets | 0.5547% | 6,786 |
| Net interest margin | 1.6259% | 7,487 |
| Noninterest income to average assets | 0.5315% | 3,638 |
| Noninterest expense to average assets | 1.5395% | 7,348 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5498% | 4,271 |
| Return on assets (ROA) | 0.5498% | 4,355 |
| Pretax return on assets | 0.5498% | 4,862 |
| Return on Equity (ROE) | 3.9117% | 4,950 |
| Retained earnings to average equity (ytd only) | 0.9779% | 5,439 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6842% | 3,576 |
| Assets per employee ($millions) | 4.3657% | 3,100 |
| Cash dividends to net income (ytd only)* | 75.0000% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 4,563 |
| Loan loss allowance to noncurrent loans | 1,238.4615% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 7,095 |
| Noncurrent loans to loans | 0.1148% | 6,760 |
| Net loans and leases to total assets | 25.5744% | 7,350 |
| Net loans and leases to deposits | 29.8482% | 7,358 |
| Net loans and leases to core deposits | 31.9731% | 7,355 |
| Total domestic deposits to total assets | 85.6816% | 3,700 |
| Equity capital to assets | 14.0756% | 988 |
| Core capital (leverage) ratio | 14.4241% | 755 |
| Tier 1 risk-based capital ratio | 36.4973% | 314 |
| Total risk-based capital ratio | 37.7291% | 309 |
| Memoranda: | ||
| Average total assets | $43,651,000 | 6,705 |
| Average earning assets | $41,822,500 | 6,620 |
| Average equity | $6,135,500 | 6,198 |
| Average total loans | $12,276,500 | 7,212 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7306% | 7,526 |
| Cost of funding earning assets | 0.7759% | 6,659 |
| Net interest margin | 1.9547% | 7,467 |
| Noninterest income to average assets | 0.4972% | 4,193 |
| Noninterest expense to average assets | 1.6933% | 7,355 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6797% | 3,300 |
| Return on assets (ROA) | 0.6797% | 3,432 |
| Pretax return on assets | 0.6797% | 4,047 |
| Return on Equity (ROE) | 4.6924% | 4,209 |
| Retained earnings to average equity (ytd only) | 2.7027% | 3,969 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3563% | 3,924 |
| Assets per employee ($millions) | 4.3645% | 3,088 |
| Cash dividends to net income (ytd only)* | 42.4028% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 5,430 |
| Loan loss allowance to noncurrent loans | 5,366.6667% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 7,245 |
| Noncurrent loans to loans | 0.0227% | 7,085 |
| Net loans and leases to total assets | 29.9370% | 7,358 |
| Net loans and leases to deposits | 34.9424% | 7,372 |
| Net loans and leases to core deposits | 37.0940% | 7,371 |
| Total domestic deposits to total assets | 85.6753% | 3,509 |
| Equity capital to assets | 14.0360% | 1,025 |
| Core capital (leverage) ratio | 17.1507% | 388 |
| Tier 1 risk-based capital ratio | 33.2482% | 401 |
| Total risk-based capital ratio | 34.3731% | 393 |
| Memoranda: | ||
| Average total assets | $41,635,600 | 6,808 |
| Average earning assets | $39,954,200 | 6,717 |
| Average equity | $6,031,000 | 6,354 |
| Average total loans | $12,233,600 | 7,288 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6758% | 7,664 |
| Cost of funding earning assets | 0.8213% | 6,682 |
| Net interest margin | 1.8546% | 7,616 |
| Noninterest income to average assets | 0.4959% | 4,220 |
| Noninterest expense to average assets | 1.6207% | 7,490 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6612% | 3,596 |
| Return on assets (ROA) | 0.6612% | 3,759 |
| Pretax return on assets | 0.6612% | 4,381 |
| Return on Equity (ROE) | 4.5277% | 4,541 |
| Retained earnings to average equity (ytd only) | 2.4858% | 4,683 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0227% | 3,879 |
| Assets per employee ($millions) | 4.0246% | 3,785 |
| Cash dividends to net income (ytd only)* | 45.0972% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 5,787 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 34.8681% | 7,313 |
| Net loans and leases to deposits | 41.2262% | 7,332 |
| Net loans and leases to core deposits | 44.0223% | 7,322 |
| Total domestic deposits to total assets | 84.5773% | 3,839 |
| Equity capital to assets | 15.1046% | 865 |
| Core capital (leverage) ratio | 17.2992% | 401 |
| Tier 1 risk-based capital ratio | 32.8746% | 411 |
| Total risk-based capital ratio | 33.9637% | 404 |
| Memoranda: | ||
| Average total assets | $41,133,250 | 6,902 |
| Average earning assets | $39,612,500 | 6,812 |
| Average equity | $6,007,250 | 6,443 |
| Average total loans | $11,985,250 | 7,400 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5463% | 7,746 |
| Cost of funding earning assets | 0.8537% | 6,746 |
| Net interest margin | 1.6925% | 7,715 |
| Noninterest income to average assets | 0.4876% | 4,215 |
| Noninterest expense to average assets | 1.6317% | 7,547 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4924% | 4,364 |
| Return on assets (ROA) | 0.4924% | 4,524 |
| Pretax return on assets | 0.4924% | 4,925 |
| Return on Equity (ROE) | 3.4095% | 5,057 |
| Retained earnings to average equity (ytd only) | 1.1699% | 5,282 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8182% | 2,932 |
| Assets per employee ($millions) | 4.0659% | 3,639 |
| Cash dividends to net income (ytd only)* | 65.6863% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 4,254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 27.1600% | 7,597 |
| Net loans and leases to deposits | 31.9874% | 7,614 |
| Net loans and leases to core deposits | 34.1920% | 7,597 |
| Total domestic deposits to total assets | 84.9086% | 3,683 |
| Equity capital to assets | 14.7643% | 931 |
| Core capital (leverage) ratio | 15.6442% | 615 |
| Tier 1 risk-based capital ratio | 37.1819% | 298 |
| Total risk-based capital ratio | 38.4295% | 289 |
| Memoranda: | ||
| Average total assets | $41,429,000 | 6,945 |
| Average earning assets | $40,058,670 | 6,840 |
| Average equity | $5,983,330 | 6,469 |
| Average total loans | $11,249,000 | 7,492 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5226% | 7,852 |
| Cost of funding earning assets | 0.8804% | 6,841 |
| Net interest margin | 1.6422% | 7,808 |
| Noninterest income to average assets | 0.5166% | 3,926 |
| Noninterest expense to average assets | 1.6645% | 7,603 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4400% | 4,662 |
| Return on assets (ROA) | 0.4400% | 4,791 |
| Pretax return on assets | 0.4400% | 5,164 |
| Return on Equity (ROE) | 3.0803% | 5,301 |
| Retained earnings to average equity (ytd only) | 0.7366% | 5,532 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0909% | 2,705 |
| Assets per employee ($millions) | 4.1151% | 3,624 |
| Cash dividends to net income (ytd only)* | 76.0870% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6437% | 3,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 23.4113% | 7,735 |
| Net loans and leases to deposits | 27.4912% | 7,762 |
| Net loans and leases to core deposits | 29.3523% | 7,755 |
| Total domestic deposits to total assets | 85.1595% | 3,578 |
| Equity capital to assets | 14.5318% | 991 |
| Core capital (leverage) ratio | 14.4620% | 860 |
| Tier 1 risk-based capital ratio | 39.6175% | 259 |
| Total risk-based capital ratio | 40.8659% | 252 |
| Memoranda: | ||
| Average total assets | $41,814,000 | 7,027 |
| Average earning assets | $40,434,000 | 6,914 |
| Average equity | $5,973,500 | 6,525 |
| Average total loans | $11,271,500 | 7,580 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6600% | 7,798 |
| Cost of funding earning assets | 1.1617% | 6,791 |
| Net interest margin | 2.4984% | 7,430 |
| Noninterest income to average assets | 0.4615% | 4,708 |
| Noninterest expense to average assets | 1.7627% | 7,650 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.1170% | 1,471 |
| Return on assets (ROA) | 1.1170% | 1,505 |
| Pretax return on assets | 1.1170% | 2,195 |
| Return on Equity (ROE) | 7.8101% | 2,457 |
| Retained earnings to average equity (ytd only) | 2.8322% | 3,181 |
| Net charge-offs to loans | 0.2077% | 5,332 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 18.2000% | 1,141 |
| Efficiency ratio | 61.2106% | 6,294 |
| Assets per employee ($millions) | 4.2477% | 3,349 |
| Cash dividends to net income (ytd only)* | 63.7363% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 4,976 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 29.6325% | 7,720 |
| Net loans and leases to deposits | 34.6187% | 7,749 |
| Net loans and leases to core deposits | 49.3666% | 7,601 |
| Total domestic deposits to total assets | 85.5969% | 3,228 |
| Equity capital to assets | 14.0476% | 1,154 |
| Core capital (leverage) ratio | 14.3190% | 923 |
| Tier 1 risk-based capital ratio | 33.6156% | 389 |
| Total risk-based capital ratio | 34.5244% | 390 |
| Memoranda: | ||
| Average total assets | $40,733,600 | 7,062 |
| Average earning assets | $39,426,000 | 6,960 |
| Average equity | $5,825,800 | 6,660 |
| Average total loans | $12,039,400 | 7,601 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7503% | 7,881 |
| Cost of funding earning assets | 1.2319% | 6,797 |
| Net interest margin | 2.5184% | 7,442 |
| Noninterest income to average assets | 0.4566% | 4,857 |
| Noninterest expense to average assets | 1.6907% | 7,771 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2076% | 1,450 |
| Return on assets (ROA) | 1.2076% | 1,506 |
| Pretax return on assets | 1.2076% | 2,245 |
| Return on Equity (ROE) | 8.4043% | 2,485 |
| Retained earnings to average equity (ytd only) | 2.3026% | 4,039 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3333% | 6,674 |
| Assets per employee ($millions) | 4.0404% | 3,651 |
| Cash dividends to net income (ytd only)* | 72.6025% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6564% | 2,779 |
| Loan loss allowance to noncurrent loans | 114.8515% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.5000% | 6,213 |
| Noncurrent loans to loans | 1.4422% | 4,508 |
| Net loans and leases to total assets | 34.0907% | 7,688 |
| Net loans and leases to deposits | 40.0419% | 7,728 |
| Net loans and leases to core deposits | 58.9741% | 7,433 |
| Total domestic deposits to total assets | 85.1376% | 3,157 |
| Equity capital to assets | 14.5877% | 1,117 |
| Core capital (leverage) ratio | 14.5966% | 936 |
| Tier 1 risk-based capital ratio | 32.4072% | 463 |
| Total risk-based capital ratio | 33.6561% | 449 |
| Memoranda: | ||
| Average total assets | $40,297,750 | 7,133 |
| Average earning assets | $39,072,000 | 7,031 |
| Average equity | $5,790,500 | 6,739 |
| Average total loans | $11,862,250 | 7,682 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7780% | 7,975 |
| Cost of funding earning assets | 1.2969% | 6,819 |
| Net interest margin | 2.4811% | 7,503 |
| Noninterest income to average assets | 0.4570% | 4,807 |
| Noninterest expense to average assets | 1.7138% | 7,818 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1475% | 1,619 |
| Return on assets (ROA) | 1.1475% | 1,705 |
| Pretax return on assets | 1.1475% | 2,473 |
| Return on Equity (ROE) | 8.0264% | 2,759 |
| Retained earnings to average equity (ytd only) | -0.6602% | 5,391 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8958% | 6,570 |
| Assets per employee ($millions) | 4.0011% | 3,667 |
| Cash dividends to net income (ytd only)* | 108.2251% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9763% | 1,619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 28.7596% | 7,915 |
| Net loans and leases to deposits | 33.7251% | 7,942 |
| Net loans and leases to core deposits | 49.5628% | 7,768 |
| Total domestic deposits to total assets | 85.2765% | 3,125 |
| Equity capital to assets | 14.3985% | 1,191 |
| Core capital (leverage) ratio | 14.2684% | 1,077 |
| Tier 1 risk-based capital ratio | 35.5554% | 399 |
| Total risk-based capital ratio | 36.8061% | 398 |
| Memoranda: | ||
| Average total assets | $40,262,330 | 7,197 |
| Average earning assets | $39,015,330 | 7,091 |
| Average equity | $5,756,000 | 6,810 |
| Average total loans | $11,147,670 | 7,804 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 7,994 |
| Cost of funding earning assets | 1.4045% | 6,719 |
| Net interest margin | 2.5834% | 7,392 |
| Noninterest income to average assets | 0.5051% | 4,284 |
| Noninterest expense to average assets | 1.6044% | 7,908 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3965% | 1,146 |
| Return on assets (ROA) | 1.3965% | 1,236 |
| Pretax return on assets | 1.3965% | 1,979 |
| Return on Equity (ROE) | 9.8027% | 2,399 |
| Retained earnings to average equity (ytd only) | -2.0162% | 6,108 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4653% | 7,271 |
| Assets per employee ($millions) | 4.0884% | 3,476 |
| Cash dividends to net income (ytd only)* | 120.5674% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3905% | 858 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 23.1704% | 8,049 |
| Net loans and leases to deposits | 27.0325% | 8,075 |
| Net loans and leases to core deposits | 38.3150% | 8,000 |
| Total domestic deposits to total assets | 85.7132% | 2,866 |
| Equity capital to assets | 13.9835% | 1,373 |
| Core capital (leverage) ratio | 13.7360% | 1,256 |
| Tier 1 risk-based capital ratio | 38.7242% | 344 |
| Total risk-based capital ratio | 39.9812% | 341 |
| Memoranda: | ||
| Average total assets | $40,388,000 | 7,231 |
| Average earning assets | $39,018,000 | 7,128 |
| Average equity | $5,753,500 | 6,858 |
| Average total loans | $10,852,000 | 7,867 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1525% | 7,720 |
| Cost of funding earning assets | 1.9497% | 6,570 |
| Net interest margin | 3.2028% | 6,358 |
| Noninterest income to average assets | 0.5241% | 4,430 |
| Noninterest expense to average assets | 1.7105% | 7,857 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.9048% | 426 |
| Return on assets (ROA) | 1.9048% | 414 |
| Pretax return on assets | 1.9048% | 758 |
| Return on Equity (ROE) | 13.3978% | 1,242 |
| Retained earnings to average equity (ytd only) | 7.5531% | 971 |
| Net charge-offs to loans | -0.0089% | 7,838 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3126% | 7,860 |
| Assets per employee ($millions) | 3.9892% | 3,542 |
| Cash dividends to net income (ytd only)* | 43.6242% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9335% | 1,356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 29.4971% | 8,000 |
| Net loans and leases to deposits | 34.6710% | 8,050 |
| Net loans and leases to core deposits | 49.9236% | 7,889 |
| Total domestic deposits to total assets | 85.0772% | 2,806 |
| Equity capital to assets | 14.5142% | 1,292 |
| Core capital (leverage) ratio | 14.2597% | 1,202 |
| Tier 1 risk-based capital ratio | 34.7978% | 450 |
| Total risk-based capital ratio | 36.0478% | 437 |
| Memoranda: | ||
| Average total assets | $39,111,600 | 7,252 |
| Average earning assets | $37,748,600 | 7,158 |
| Average equity | $5,560,600 | 6,964 |
| Average total loans | $11,289,000 | 7,874 |