Home > Citizens State Bank of Lankin > Performance and Condition Ratios
Citizens State Bank of Lankin, 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 | 5.2239% | 1,619 |
| Cost of funding earning assets | 0.9225% | 3,473 |
| Net interest margin | 4.3014% | 810 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 3.2975% | 740 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0115% | 2,178 |
| Return on assets (ROA) | 1.0295% | 2,100 |
| Pretax return on assets | 1.0295% | 2,586 |
| Return on Equity (ROE) | 14.5400% | 1,377 |
| Retained earnings to average equity (ytd only) | 13.7337% | 427 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.5264% | 1,206 |
| Assets per employee ($millions) | 4.9188% | 3,696 |
| Cash dividends to net income (ytd only)* | 5.5556% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6568% | 4,176 |
| Loan loss allowance to noncurrent loans | 519.2308% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 2,996 |
| Noncurrent loans to loans | 0.1265% | 2,888 |
| Net loans and leases to total assets | 63.8700% | 2,473 |
| Net loans and leases to deposits | 83.5256% | 1,817 |
| Net loans and leases to core deposits | 84.8850% | 2,387 |
| Total domestic deposits to total assets | 76.4600% | 3,898 |
| Equity capital to assets | 7.7410% | 3,582 |
| Core capital (leverage) ratio | 10.7750% | 2,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $61,197,000 | 4,199 |
| Average earning assets | $57,237,400 | 4,171 |
| Average equity | $4,332,400 | 4,324 |
| Average total loans | $37,034,800 | 4,038 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0473% | 1,737 |
| Cost of funding earning assets | 0.6574% | 3,851 |
| Net interest margin | 4.3899% | 711 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 3.2633% | 755 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1524% | 1,917 |
| Return on assets (ROA) | 1.1656% | 1,870 |
| Pretax return on assets | 1.1656% | 2,374 |
| Return on Equity (ROE) | 16.8800% | 1,094 |
| Retained earnings to average equity (ytd only) | 15.7647% | 483 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.9022% | 1,368 |
| Assets per employee ($millions) | 4.6970% | 3,815 |
| Cash dividends to net income (ytd only)* | 6.6163% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6891% | 4,158 |
| Loan loss allowance to noncurrent loans | 931.0345% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 3,333 |
| Noncurrent loans to loans | 0.0740% | 3,231 |
| Net loans and leases to total assets | 63.7200% | 2,474 |
| Net loans and leases to deposits | 83.0661% | 1,821 |
| Net loans and leases to core deposits | 84.9541% | 2,265 |
| Total domestic deposits to total assets | 76.7100% | 3,956 |
| Equity capital to assets | 5.9613% | 4,000 |
| Core capital (leverage) ratio | 10.7573% | 2,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $60,510,000 | 4,225 |
| Average earning assets | $56,583,500 | 4,199 |
| Average equity | $4,178,000 | 4,349 |
| Average total loans | $36,016,250 | 4,070 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8505% | 1,885 |
| Cost of funding earning assets | 0.3939% | 4,173 |
| Net interest margin | 4.4566% | 647 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 3.2589% | 733 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2134% | 1,797 |
| Return on assets (ROA) | 1.2001% | 1,820 |
| Pretax return on assets | 1.2001% | 2,357 |
| Return on Equity (ROE) | 16.6200% | 1,161 |
| Retained earnings to average equity (ytd only) | 15.0092% | 560 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.8688% | 1,467 |
| Assets per employee ($millions) | 4.6175% | 3,880 |
| Cash dividends to net income (ytd only)* | 9.6685% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7422% | 4,117 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 60.1600% | 2,755 |
| Net loans and leases to deposits | 72.5844% | 2,605 |
| Net loans and leases to core deposits | 74.1311% | 2,871 |
| Total domestic deposits to total assets | 82.8800% | 3,072 |
| Equity capital to assets | 7.4367% | 3,561 |
| Core capital (leverage) ratio | 10.6486% | 2,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $60,326,333 | 4,246 |
| Average earning assets | $56,365,667 | 4,227 |
| Average equity | $4,357,333 | 4,355 |
| Average total loans | $34,962,000 | 4,098 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5082% | 2,300 |
| Cost of funding earning assets | 0.2560% | 4,286 |
| Net interest margin | 4.2522% | 872 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 3.4658% | 567 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7606% | 3,319 |
| Return on assets (ROA) | 0.7342% | 3,345 |
| Pretax return on assets | 0.7342% | 3,597 |
| Return on Equity (ROE) | 10.3200% | 2,690 |
| Retained earnings to average equity (ytd only) | 7.0632% | 2,474 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.0031% | 705 |
| Assets per employee ($millions) | 5.5520% | 3,168 |
| Cash dividends to net income (ytd only)* | 31.5315% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8336% | 4,025 |
| 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 | 52.6000% | 3,309 |
| Net loans and leases to deposits | 56.8051% | 3,525 |
| Net loans and leases to core deposits | 58.1365% | 3,622 |
| Total domestic deposits to total assets | 92.5900% | 382 |
| Equity capital to assets | 7.3634% | 3,638 |
| Core capital (leverage) ratio | 10.2924% | 2,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $60,476,000 | 4,305 |
| Average earning assets | $56,253,500 | 4,281 |
| Average equity | $4,304,000 | 4,421 |
| Average total loans | $34,253,000 | 4,167 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2714% | 1,113 |
| Cost of funding earning assets | 0.3273% | 2,661 |
| Net interest margin | 3.9442% | 873 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 3.4483% | 514 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5753% | 3,933 |
| Return on assets (ROA) | 0.5631% | 3,926 |
| Pretax return on assets | 0.5631% | 4,088 |
| Return on Equity (ROE) | 7.0300% | 3,634 |
| Retained earnings to average equity (ytd only) | 2.2050% | 3,935 |
| Net charge-offs to loans | 0.2154% | 381 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 4.5068% | 2,415 |
| Efficiency ratio | 85.7019% | 430 |
| Assets per employee ($millions) | 5.4436% | 3,275 |
| Cash dividends to net income (ytd only)* | 68.6335% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7476% | 4,137 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 59.8600% | 2,641 |
| Net loans and leases to deposits | 69.1922% | 2,651 |
| Net loans and leases to core deposits | 70.9605% | 2,804 |
| Total domestic deposits to total assets | 86.5100% | 2,567 |
| Equity capital to assets | 6.8654% | 3,734 |
| Core capital (leverage) ratio | 10.4654% | 2,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $57,186,800 | 4,367 |
| Average earning assets | $53,471,400 | 4,337 |
| Average equity | $4,580,400 | 4,474 |
| Average total loans | $33,891,400 | 4,170 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2089% | 875 |
| Cost of funding earning assets | 0.2749% | 2,436 |
| Net interest margin | 3.9340% | 733 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 3.6144% | 437 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4152% | 4,212 |
| Return on assets (ROA) | 0.3893% | 4,206 |
| Pretax return on assets | 0.3893% | 4,275 |
| Return on Equity (ROE) | 4.6800% | 4,039 |
| Retained earnings to average equity (ytd only) | -1.5894% | 4,465 |
| Net charge-offs to loans | 0.2920% | 225 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 2.4110% | 2,247 |
| Efficiency ratio | 89.6956% | 330 |
| Assets per employee ($millions) | 5.2961% | 3,422 |
| Cash dividends to net income (ytd only)* | 133.9394% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7447% | 4,191 |
| Loan loss allowance to noncurrent loans | 428.5714% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 2,884 |
| Noncurrent loans to loans | 0.1738% | 2,722 |
| Net loans and leases to total assets | 61.7700% | 2,316 |
| Net loans and leases to deposits | 74.4954% | 2,008 |
| Net loans and leases to core deposits | 76.5409% | 2,159 |
| Total domestic deposits to total assets | 82.9200% | 3,703 |
| Equity capital to assets | 5.4637% | 4,140 |
| Core capital (leverage) ratio | 10.1961% | 2,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $56,513,500 | 4,407 |
| Average earning assets | $52,870,750 | 4,380 |
| Average equity | $4,697,750 | 4,503 |
| Average total loans | $33,335,500 | 4,207 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0852% | 792 |
| Cost of funding earning assets | 0.2257% | 2,575 |
| Net interest margin | 3.8596% | 665 |
| Noninterest income to average assets | 0.2932% | 3,409 |
| Noninterest expense to average assets | 3.5507% | 419 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3504% | 4,208 |
| Return on assets (ROA) | 0.3147% | 4,211 |
| Pretax return on assets | 0.3147% | 4,280 |
| Return on Equity (ROE) | 3.3829% | 4,159 |
| Retained earnings to average equity (ytd only) | -5.1128% | 4,549 |
| Net charge-offs to loans | 0.4512% | 154 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1.3425% | 2,072 |
| Efficiency ratio | 91.0174% | 367 |
| Assets per employee ($millions) | 4.6755% | 3,953 |
| Cash dividends to net income (ytd only)* | 251.1364% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8169% | 4,144 |
| Loan loss allowance to noncurrent loans | 194.2446% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 2,085 |
| Noncurrent loans to loans | 0.4206% | 1,855 |
| Net loans and leases to total assets | 58.4269% | 2,480 |
| Net loans and leases to deposits | 63.1083% | 2,796 |
| Net loans and leases to core deposits | 64.3787% | 2,934 |
| Total domestic deposits to total assets | 92.5819% | 625 |
| Equity capital to assets | 7.3504% | 3,564 |
| Core capital (leverage) ratio | 10.1234% | 2,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,932,333 | 4,455 |
| Average earning assets | $52,285,667 | 4,436 |
| Average equity | $5,202,667 | 4,500 |
| Average total loans | $32,361,333 | 4,275 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8040% | 1,079 |
| Cost of funding earning assets | 0.2382% | 2,285 |
| Net interest margin | 3.5658% | 951 |
| Noninterest income to average assets | 0.2507% | 3,643 |
| Noninterest expense to average assets | 3.4667% | 435 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1074% | 4,461 |
| Return on assets (ROA) | 0.0716% | 4,473 |
| Pretax return on assets | 0.0716% | 4,473 |
| Return on Equity (ROE) | 0.6966% | 4,461 |
| Retained earnings to average equity (ytd only) | 0.6966% | 3,878 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9940% | 301 |
| Assets per employee ($millions) | 5.2721% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 3,185 |
| Loan loss allowance to noncurrent loans | 475.0000% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 2,942 |
| Noncurrent loans to loans | 0.2383% | 2,641 |
| Net loans and leases to total assets | 51.4993% | 3,027 |
| Net loans and leases to deposits | 56.6965% | 3,197 |
| Net loans and leases to core deposits | 57.8205% | 3,311 |
| Total domestic deposits to total assets | 90.8334% | 1,116 |
| Equity capital to assets | 9.1235% | 2,609 |
| Core capital (leverage) ratio | 10.2390% | 2,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,845,500 | 4,483 |
| Average earning assets | $52,050,000 | 4,463 |
| Average equity | $5,742,000 | 4,493 |
| Average total loans | $32,016,500 | 4,292 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5461% | 559 |
| Cost of funding earning assets | 0.2914% | 2,488 |
| Net interest margin | 4.2546% | 444 |
| Noninterest income to average assets | 0.6841% | 1,817 |
| Noninterest expense to average assets | 3.5538% | 448 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0988% | 2,300 |
| Return on assets (ROA) | 1.2365% | 1,850 |
| Pretax return on assets | 1.2476% | 2,527 |
| Return on Equity (ROE) | 11.1356% | 2,116 |
| Retained earnings to average equity (ytd only) | 9.4661% | 1,056 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2227% | 1,089 |
| Assets per employee ($millions) | 4.1306% | 4,368 |
| Cash dividends to net income (ytd only)* | 14.9925% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 3,700 |
| Loan loss allowance to noncurrent loans | 475.0000% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 3,001 |
| Noncurrent loans to loans | 0.2129% | 2,893 |
| Net loans and leases to total assets | 62.3543% | 1,898 |
| Net loans and leases to deposits | 73.6392% | 1,754 |
| Net loans and leases to core deposits | 75.3307% | 1,972 |
| Total domestic deposits to total assets | 84.6754% | 3,369 |
| Equity capital to assets | 11.5330% | 1,494 |
| Core capital (leverage) ratio | 10.9301% | 1,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,943,000 | 4,521 |
| Average earning assets | $50,439,000 | 4,502 |
| Average equity | $5,989,800 | 4,531 |
| Average total loans | $32,789,800 | 4,319 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6731% | 506 |
| Cost of funding earning assets | 0.3191% | 2,408 |
| Net interest margin | 4.3540% | 403 |
| Noninterest income to average assets | 0.3382% | 3,415 |
| Noninterest expense to average assets | 3.2811% | 613 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1187% | 2,487 |
| Return on assets (ROA) | 1.1530% | 2,412 |
| Pretax return on assets | 1.1678% | 3,027 |
| Return on Equity (ROE) | 10.4841% | 2,561 |
| Retained earnings to average equity (ytd only) | 8.2391% | 1,977 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3289% | 1,190 |
| Assets per employee ($millions) | 4.1638% | 4,352 |
| Cash dividends to net income (ytd only)* | 21.4133% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 3,788 |
| Loan loss allowance to noncurrent loans | 320.5607% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 2,805 |
| Noncurrent loans to loans | 0.3169% | 2,644 |
| Net loans and leases to total assets | 61.7384% | 2,039 |
| Net loans and leases to deposits | 75.3903% | 1,725 |
| Net loans and leases to core deposits | 75.8402% | 2,067 |
| Total domestic deposits to total assets | 81.8917% | 3,946 |
| Equity capital to assets | 11.3394% | 1,776 |
| Core capital (leverage) ratio | 10.5048% | 2,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,004,250 | 4,582 |
| Average earning assets | $50,557,500 | 4,565 |
| Average equity | $5,939,000 | 4,602 |
| Average total loans | $32,531,000 | 4,385 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8424% | 445 |
| Cost of funding earning assets | 0.3397% | 2,411 |
| Net interest margin | 4.5028% | 350 |
| Noninterest income to average assets | 0.3187% | 3,516 |
| Noninterest expense to average assets | 3.2578% | 655 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2646% | 1,979 |
| Return on assets (ROA) | 1.3009% | 1,936 |
| Pretax return on assets | 1.3231% | 2,568 |
| Return on Equity (ROE) | 11.9537% | 2,081 |
| Retained earnings to average equity (ytd only) | 8.5481% | 1,876 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6966% | 1,462 |
| Assets per employee ($millions) | 4.1998% | 4,328 |
| Cash dividends to net income (ytd only)* | 28.4900% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,748 |
| 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 | 60.7048% | 2,336 |
| Net loans and leases to deposits | 71.2814% | 2,269 |
| Net loans and leases to core deposits | 72.4754% | 2,566 |
| Total domestic deposits to total assets | 85.1622% | 3,030 |
| Equity capital to assets | 11.0885% | 1,922 |
| Core capital (leverage) ratio | 10.0835% | 2,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7189% | 2,080 |
| Memoranda: | ||
| Average total assets | $53,962,333 | 4,613 |
| Average earning assets | $50,635,667 | 4,594 |
| Average equity | $5,872,667 | 4,633 |
| Average total loans | $32,120,667 | 4,431 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2260% | 1,152 |
| Cost of funding earning assets | 0.3588% | 2,454 |
| Net interest margin | 3.8672% | 1,037 |
| Noninterest income to average assets | 0.3206% | 3,486 |
| Noninterest expense to average assets | 3.3181% | 588 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5788% | 3,995 |
| Return on assets (ROA) | 0.6413% | 3,903 |
| Pretax return on assets | 0.6860% | 4,048 |
| Return on Equity (ROE) | 5.9495% | 3,872 |
| Retained earnings to average equity (ytd only) | -0.9685% | 4,462 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2803% | 582 |
| Assets per employee ($millions) | 4.2757% | 4,290 |
| Cash dividends to net income (ytd only)* | 116.2791% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 3,397 |
| 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 | 55.1508% | 3,134 |
| Net loans and leases to deposits | 64.0782% | 3,119 |
| Net loans and leases to core deposits | 64.4297% | 3,375 |
| Total domestic deposits to total assets | 86.0679% | 2,713 |
| Equity capital to assets | 10.2727% | 2,457 |
| Core capital (leverage) ratio | 9.6653% | 2,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8839% | 2,330 |
| Memoranda: | ||
| Average total assets | $53,645,000 | 4,635 |
| Average earning assets | $50,165,500 | 4,615 |
| Average equity | $5,782,000 | 4,661 |
| Average total loans | $31,438,000 | 4,464 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7189% | 863 |
| Cost of funding earning assets | 0.4656% | 3,181 |
| Net interest margin | 4.2533% | 559 |
| Noninterest income to average assets | 0.4385% | 2,921 |
| Noninterest expense to average assets | 3.6445% | 568 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6991% | 3,438 |
| Return on assets (ROA) | 0.8970% | 2,846 |
| Pretax return on assets | 0.9775% | 3,116 |
| Return on Equity (ROE) | 8.0715% | 2,788 |
| Retained earnings to average equity (ytd only) | 3.9996% | 2,821 |
| Net charge-offs to loans | 0.0066% | 3,108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 189.5000% | 491 |
| Efficiency ratio | 82.7020% | 705 |
| Assets per employee ($millions) | 4.3088% | 4,108 |
| Cash dividends to net income (ytd only)* | 50.4484% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 3,577 |
| 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 | 60.9891% | 2,732 |
| Net loans and leases to deposits | 75.5239% | 2,328 |
| Net loans and leases to core deposits | 75.9953% | 2,729 |
| Total domestic deposits to total assets | 80.7547% | 3,917 |
| Equity capital to assets | 11.3217% | 2,008 |
| Core capital (leverage) ratio | 10.3687% | 2,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7438% | 1,616 |
| Memoranda: | ||
| Average total assets | $49,718,800 | 4,656 |
| Average earning assets | $46,387,800 | 4,643 |
| Average equity | $5,525,600 | 4,695 |
| Average total loans | $30,308,200 | 4,510 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6572% | 1,171 |
| Cost of funding earning assets | 0.4721% | 3,412 |
| Net interest margin | 4.1851% | 756 |
| Noninterest income to average assets | 0.3548% | 3,329 |
| Noninterest expense to average assets | 3.7029% | 528 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5222% | 3,975 |
| Return on assets (ROA) | 0.6718% | 3,668 |
| Pretax return on assets | 0.7287% | 3,833 |
| Return on Equity (ROE) | 6.0744% | 3,531 |
| Retained earnings to average equity (ytd only) | 0.5633% | 4,370 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7386% | 468 |
| Assets per employee ($millions) | 3.6572% | 4,579 |
| Cash dividends to net income (ytd only)* | 90.7258% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 3,294 |
| 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 | 61.3914% | 3,078 |
| Net loans and leases to deposits | 79.2582% | 2,395 |
| Net loans and leases to core deposits | 81.3462% | 2,718 |
| Total domestic deposits to total assets | 77.4575% | 4,269 |
| Equity capital to assets | 11.1111% | 2,317 |
| Core capital (leverage) ratio | 10.0924% | 2,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4639% | 1,670 |
| Memoranda: | ||
| Average total assets | $49,222,000 | 4,684 |
| Average earning assets | $46,035,250 | 4,669 |
| Average equity | $5,443,500 | 4,723 |
| Average total loans | $29,915,750 | 4,542 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9799% | 858 |
| Cost of funding earning assets | 0.4804% | 3,653 |
| Net interest margin | 4.4996% | 502 |
| Noninterest income to average assets | 0.3954% | 3,114 |
| Noninterest expense to average assets | 3.7066% | 572 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8266% | 2,952 |
| Return on assets (ROA) | 1.0502% | 2,284 |
| Pretax return on assets | 1.1367% | 2,590 |
| Return on Equity (ROE) | 9.5120% | 2,143 |
| Retained earnings to average equity (ytd only) | 1.1191% | 4,069 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5730% | 848 |
| Assets per employee ($millions) | 3.5871% | 4,614 |
| Cash dividends to net income (ytd only)* | 88.2353% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 2,766 |
| Loan loss allowance to noncurrent loans | 419.5122% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.1633% | 3,710 |
| Noncurrent loans to loans | 0.2748% | 3,401 |
| Net loans and leases to total assets | 58.7427% | 3,448 |
| Net loans and leases to deposits | 72.3305% | 3,224 |
| Net loans and leases to core deposits | 72.7910% | 3,538 |
| Total domestic deposits to total assets | 81.2143% | 3,559 |
| Equity capital to assets | 11.3344% | 2,098 |
| Core capital (leverage) ratio | 10.4767% | 2,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9817% | 1,489 |
| Memoranda: | ||
| Average total assets | $48,562,333 | 4,710 |
| Average earning assets | $45,382,000 | 4,696 |
| Average equity | $5,361,667 | 4,759 |
| Average total loans | $29,295,333 | 4,575 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0661% | 851 |
| Cost of funding earning assets | 0.4906% | 3,983 |
| Net interest margin | 4.5756% | 430 |
| Noninterest income to average assets | 0.3771% | 3,253 |
| Noninterest expense to average assets | 3.8212% | 603 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7240% | 3,189 |
| Return on assets (ROA) | 0.9804% | 2,348 |
| Pretax return on assets | 1.1564% | 2,347 |
| Return on Equity (ROE) | 9.0061% | 2,111 |
| Retained earnings to average equity (ytd only) | -8.3133% | 4,707 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7204% | 995 |
| Assets per employee ($millions) | 3.1454% | 4,727 |
| Cash dividends to net income (ytd only)* | 192.3077% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 2,580 |
| Loan loss allowance to noncurrent loans | 1,078.1250% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 4,261 |
| Noncurrent loans to loans | 0.1128% | 4,069 |
| Net loans and leases to total assets | 59.4201% | 3,553 |
| Net loans and leases to deposits | 72.4082% | 3,404 |
| Net loans and leases to core deposits | 72.8939% | 3,705 |
| Total domestic deposits to total assets | 82.0627% | 3,403 |
| Equity capital to assets | 10.5445% | 3,279 |
| Core capital (leverage) ratio | 10.6490% | 2,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3938% | 2,533 |
| Memoranda: | ||
| Average total assets | $47,734,000 | 4,747 |
| Average earning assets | $44,847,000 | 4,726 |
| Average equity | $5,196,500 | 4,814 |
| Average total loans | $29,021,000 | 4,615 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8750% | 1,828 |
| Cost of funding earning assets | 0.5096% | 4,044 |
| Net interest margin | 4.3654% | 956 |
| Noninterest income to average assets | 0.4376% | 3,067 |
| Noninterest expense to average assets | 3.3110% | 1,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2638% | 1,826 |
| Return on assets (ROA) | 1.2830% | 1,836 |
| Pretax return on assets | 1.2787% | 2,578 |
| Return on Equity (ROE) | 11.9383% | 1,540 |
| Retained earnings to average equity (ytd only) | 5.9791% | 1,880 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4428% | 1,803 |
| Assets per employee ($millions) | 3.4491% | 4,522 |
| Cash dividends to net income (ytd only)* | 49.9168% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 2,643 |
| Loan loss allowance to noncurrent loans | 184.9462% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 2,866 |
| Noncurrent loans to loans | 0.6271% | 2,321 |
| Net loans and leases to total assets | 60.7161% | 3,531 |
| Net loans and leases to deposits | 78.2606% | 2,978 |
| Net loans and leases to core deposits | 78.7991% | 3,388 |
| Total domestic deposits to total assets | 77.5820% | 4,419 |
| Equity capital to assets | 11.2204% | 2,793 |
| Core capital (leverage) ratio | 10.7612% | 2,709 |
| Tier 1 risk-based capital ratio | 12.9970% | 3,794 |
| Total risk-based capital ratio | 13.9070% | 3,857 |
| Memoranda: | ||
| Average total assets | $46,843,600 | 4,801 |
| Average earning assets | $44,348,400 | 4,778 |
| Average equity | $5,034,200 | 4,877 |
| Average total loans | $28,830,000 | 4,666 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8282% | 2,036 |
| Cost of funding earning assets | 0.4940% | 4,164 |
| Net interest margin | 4.3342% | 1,088 |
| Noninterest income to average assets | 0.4245% | 3,181 |
| Noninterest expense to average assets | 3.1839% | 1,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3424% | 1,667 |
| Return on assets (ROA) | 1.3682% | 1,647 |
| Pretax return on assets | 1.3682% | 2,426 |
| Return on Equity (ROE) | 12.8787% | 1,325 |
| Retained earnings to average equity (ytd only) | 4.7788% | 3,005 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3422% | 2,067 |
| Assets per employee ($millions) | 3.4339% | 4,564 |
| Cash dividends to net income (ytd only)* | 62.8935% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 2,815 |
| Loan loss allowance to noncurrent loans | 118.6207% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.6032% | 2,196 |
| Noncurrent loans to loans | 0.9630% | 1,669 |
| Net loans and leases to total assets | 61.9233% | 3,503 |
| Net loans and leases to deposits | 82.5587% | 2,612 |
| Net loans and leases to core deposits | 83.1490% | 3,167 |
| Total domestic deposits to total assets | 75.0052% | 4,747 |
| Equity capital to assets | 11.0684% | 3,041 |
| Core capital (leverage) ratio | 10.8961% | 2,741 |
| Tier 1 risk-based capital ratio | 13.1969% | 3,741 |
| Total risk-based capital ratio | 14.1443% | 3,804 |
| Memoranda: | ||
| Average total assets | $46,482,750 | 4,879 |
| Average earning assets | $43,990,500 | 4,856 |
| Average equity | $4,938,250 | 4,956 |
| Average total loans | $28,622,000 | 4,736 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6951% | 2,373 |
| Cost of funding earning assets | 0.4089% | 4,475 |
| Net interest margin | 4.2862% | 1,176 |
| Noninterest income to average assets | 0.4222% | 3,121 |
| Noninterest expense to average assets | 3.1641% | 1,582 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3188% | 1,701 |
| Return on assets (ROA) | 1.3579% | 1,614 |
| Pretax return on assets | 1.3579% | 2,356 |
| Return on Equity (ROE) | 12.9712% | 1,253 |
| Retained earnings to average equity (ytd only) | 0.4989% | 4,568 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5825% | 2,138 |
| Assets per employee ($millions) | 3.0821% | 4,853 |
| Cash dividends to net income (ytd only)* | 96.1538% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 2,560 |
| Loan loss allowance to noncurrent loans | 87.5318% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.8501% | 1,661 |
| Noncurrent loans to loans | 1.3641% | 1,137 |
| Net loans and leases to total assets | 61.5756% | 3,593 |
| Net loans and leases to deposits | 76.2516% | 3,308 |
| Net loans and leases to core deposits | 77.3518% | 3,623 |
| Total domestic deposits to total assets | 80.7532% | 3,883 |
| Equity capital to assets | 10.9364% | 3,143 |
| Core capital (leverage) ratio | 10.9514% | 2,643 |
| Tier 1 risk-based capital ratio | 14.3347% | 3,151 |
| Total risk-based capital ratio | 15.3899% | 3,164 |
| Memoranda: | ||
| Average total assets | $45,952,330 | 4,929 |
| Average earning assets | $43,534,670 | 4,904 |
| Average equity | $4,810,670 | 5,006 |
| Average total loans | $28,125,000 | 4,784 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 2,287 |
| Cost of funding earning assets | 0.4140% | 4,429 |
| Net interest margin | 4.2691% | 1,152 |
| Noninterest income to average assets | 0.4104% | 3,107 |
| Noninterest expense to average assets | 3.1345% | 1,645 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3271% | 1,604 |
| Return on assets (ROA) | 1.3271% | 1,646 |
| Pretax return on assets | 1.3271% | 2,346 |
| Return on Equity (ROE) | 12.9693% | 1,228 |
| Retained earnings to average equity (ytd only) | -12.6280% | 5,167 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2544% | 2,296 |
| Assets per employee ($millions) | 4.1591% | 3,685 |
| Cash dividends to net income (ytd only)* | 197.3684% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,308 |
| Loan loss allowance to noncurrent loans | 409.5238% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 3,898 |
| Noncurrent loans to loans | 0.3059% | 3,470 |
| Net loans and leases to total assets | 59.2787% | 3,764 |
| Net loans and leases to deposits | 67.1121% | 3,973 |
| Net loans and leases to core deposits | 68.0057% | 4,178 |
| Total domestic deposits to total assets | 88.3279% | 1,168 |
| Equity capital to assets | 10.3672% | 3,456 |
| Core capital (leverage) ratio | 10.4659% | 3,086 |
| Tier 1 risk-based capital ratio | 12.3420% | 4,274 |
| Total risk-based capital ratio | 13.2847% | 4,335 |
| Memoranda: | ||
| Average total assets | $45,813,000 | 4,982 |
| Average earning assets | $43,475,000 | 4,953 |
| Average equity | $4,688,000 | 5,061 |
| Average total loans | $27,782,000 | 4,846 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7931% | 1,558 |
| Cost of funding earning assets | 0.4436% | 3,721 |
| Net interest margin | 4.3495% | 1,040 |
| Noninterest income to average assets | 0.2791% | 4,236 |
| Noninterest expense to average assets | 3.3021% | 1,314 |
| Loan and lease loss provision to assets | -0.4502% | 5,379 |
| Net operating income to assets | 1.4464% | 1,287 |
| Return on assets (ROA) | 1.4248% | 1,348 |
| Pretax return on assets | 1.4878% | 1,819 |
| Return on Equity (ROE) | 14.8320% | 865 |
| Retained earnings to average equity (ytd only) | 8.7399% | 956 |
| Net charge-offs to loans | -0.0236% | 4,739 |
| Credit loss provision to net charge-offs | 3,333.3333% | 151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6966% | 1,407 |
| Assets per employee ($millions) | 3.5289% | 4,516 |
| Cash dividends to net income (ytd only)* | 41.0742% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 2,423 |
| Loan loss allowance to noncurrent loans | 192.7374% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 2,997 |
| Noncurrent loans to loans | 0.6370% | 2,395 |
| Net loans and leases to total assets | 60.5000% | 3,712 |
| Net loans and leases to deposits | 74.6604% | 3,449 |
| Net loans and leases to core deposits | 75.7319% | 3,740 |
| Total domestic deposits to total assets | 81.0337% | 3,880 |
| Equity capital to assets | 10.0990% | 3,574 |
| Core capital (leverage) ratio | 10.5811% | 2,949 |
| Tier 1 risk-based capital ratio | 13.5790% | 3,507 |
| Total risk-based capital ratio | 14.5809% | 3,533 |
| Memoranda: | ||
| Average total assets | $44,426,800 | 5,042 |
| Average earning assets | $41,705,600 | 5,022 |
| Average equity | $4,267,800 | 5,144 |
| Average total loans | $25,472,400 | 4,923 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4411% | 2,498 |
| Cost of funding earning assets | 0.3870% | 3,958 |
| Net interest margin | 4.0541% | 1,776 |
| Noninterest income to average assets | 0.2663% | 4,369 |
| Noninterest expense to average assets | 3.2527% | 1,403 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8106% | 3,868 |
| Return on assets (ROA) | 0.7807% | 3,980 |
| Pretax return on assets | 0.7867% | 4,330 |
| Return on Equity (ROE) | 8.2363% | 3,449 |
| Retained earnings to average equity (ytd only) | -0.0958% | 5,049 |
| Net charge-offs to loans | -0.0269% | 4,713 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9257% | 949 |
| Assets per employee ($millions) | 2.7528% | 5,186 |
| Cash dividends to net income (ytd only)* | 101.1628% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0356% | 457 |
| Loan loss allowance to noncurrent loans | 168.4211% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.7334% | 2,022 |
| Noncurrent loans to loans | 1.2087% | 1,403 |
| Net loans and leases to total assets | 59.4406% | 3,905 |
| Net loans and leases to deposits | 73.6531% | 3,622 |
| Net loans and leases to core deposits | 74.7616% | 3,894 |
| Total domestic deposits to total assets | 80.7034% | 3,952 |
| Equity capital to assets | 9.2680% | 4,309 |
| Core capital (leverage) ratio | 10.1219% | 3,499 |
| Tier 1 risk-based capital ratio | 15.1979% | 2,791 |
| Total risk-based capital ratio | 16.4534% | 2,710 |
| Memoranda: | ||
| Average total assets | $44,064,500 | 5,108 |
| Average earning assets | $41,340,000 | 5,089 |
| Average equity | $4,176,500 | 5,219 |
| Average total loans | $24,815,500 | 5,000 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3639% | 2,527 |
| Cost of funding earning assets | 0.3641% | 3,985 |
| Net interest margin | 3.9999% | 1,863 |
| Noninterest income to average assets | 0.2723% | 4,367 |
| Noninterest expense to average assets | 3.2493% | 1,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7624% | 3,987 |
| Return on assets (ROA) | 0.7261% | 4,120 |
| Pretax return on assets | 0.7261% | 4,445 |
| Return on Equity (ROE) | 7.6046% | 3,676 |
| Retained earnings to average equity (ytd only) | -4.7529% | 5,279 |
| Net charge-offs to loans | -0.0662% | 5,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9955% | 919 |
| Assets per employee ($millions) | 2.6618% | 5,282 |
| Cash dividends to net income (ytd only)* | 162.5000% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2805% | 326 |
| Loan loss allowance to noncurrent loans | 114.1962% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 1.1247% | 1,304 |
| Noncurrent loans to loans | 1.9970% | 751 |
| Net loans and leases to total assets | 55.0353% | 4,244 |
| Net loans and leases to deposits | 62.4391% | 4,393 |
| Net loans and leases to core deposits | 63.3213% | 4,533 |
| Total domestic deposits to total assets | 88.1425% | 1,307 |
| Equity capital to assets | 9.6809% | 3,933 |
| Core capital (leverage) ratio | 9.6951% | 3,894 |
| Tier 1 risk-based capital ratio | 14.0366% | 3,339 |
| Total risk-based capital ratio | 15.2926% | 3,259 |
| Memoranda: | ||
| Average total assets | $44,071,330 | 5,166 |
| Average earning assets | $41,201,330 | 5,148 |
| Average equity | $4,208,000 | 5,274 |
| Average total loans | $24,179,330 | 5,083 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2821% | 2,593 |
| Cost of funding earning assets | 0.2880% | 4,434 |
| Net interest margin | 3.9941% | 1,743 |
| Noninterest income to average assets | 0.2678% | 4,382 |
| Noninterest expense to average assets | 3.1598% | 1,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8212% | 3,624 |
| Return on assets (ROA) | 0.8212% | 3,634 |
| Pretax return on assets | 0.8212% | 4,100 |
| Return on Equity (ROE) | 8.6578% | 3,084 |
| Retained earnings to average equity (ytd only) | -15.8099% | 5,465 |
| Net charge-offs to loans | -0.1318% | 5,291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3722% | 1,213 |
| Assets per employee ($millions) | 2.7873% | 5,294 |
| Cash dividends to net income (ytd only)* | 282.6087% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3948% | 286 |
| Loan loss allowance to noncurrent loans | 60.3753% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 2.0315% | 550 |
| Noncurrent loans to loans | 3.9666% | 254 |
| Net loans and leases to total assets | 49.9899% | 4,558 |
| Net loans and leases to deposits | 55.8229% | 4,702 |
| Net loans and leases to core deposits | 56.5637% | 4,820 |
| Total domestic deposits to total assets | 89.5509% | 860 |
| Equity capital to assets | 9.1262% | 4,435 |
| Core capital (leverage) ratio | 9.3084% | 4,313 |
| Tier 1 risk-based capital ratio | 13.6848% | 3,553 |
| Total risk-based capital ratio | 14.9422% | 3,457 |
| Memoranda: | ||
| Average total assets | $44,812,500 | 5,211 |
| Average earning assets | $41,661,500 | 5,196 |
| Average equity | $4,250,500 | 5,321 |
| Average total loans | $24,276,000 | 5,134 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4770% | 1,793 |
| Cost of funding earning assets | 0.3442% | 3,764 |
| Net interest margin | 4.1328% | 1,340 |
| Noninterest income to average assets | 0.2568% | 4,599 |
| Noninterest expense to average assets | 3.2042% | 1,600 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8181% | 3,081 |
| Return on assets (ROA) | 0.8522% | 2,967 |
| Pretax return on assets | 0.8522% | 4,086 |
| Return on Equity (ROE) | 8.7987% | 2,404 |
| Retained earnings to average equity (ytd only) | 4.6926% | 2,325 |
| Net charge-offs to loans | -0.0121% | 4,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6610% | 1,140 |
| Assets per employee ($millions) | 2.8143% | 5,310 |
| Cash dividends to net income (ytd only)* | 46.6667% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0964% | 448 |
| Loan loss allowance to noncurrent loans | 115.6652% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 1.0349% | 1,479 |
| Noncurrent loans to loans | 1.8125% | 884 |
| Net loans and leases to total assets | 55.9030% | 4,197 |
| Net loans and leases to deposits | 65.3326% | 4,234 |
| Net loans and leases to core deposits | 65.7937% | 4,426 |
| Total domestic deposits to total assets | 85.5668% | 2,626 |
| Equity capital to assets | 9.8405% | 3,877 |
| Core capital (leverage) ratio | 9.7713% | 3,724 |
| Tier 1 risk-based capital ratio | 13.7607% | 3,488 |
| Total risk-based capital ratio | 15.0142% | 3,405 |
| Memoranda: | ||
| Average total assets | $44,004,200 | 5,274 |
| Average earning assets | $40,094,200 | 5,271 |
| Average equity | $4,262,000 | 5,383 |
| Average total loans | $24,822,400 | 5,162 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4573% | 1,765 |
| Cost of funding earning assets | 0.3496% | 3,673 |
| Net interest margin | 4.1077% | 1,373 |
| Noninterest income to average assets | 0.2591% | 4,650 |
| Noninterest expense to average assets | 3.1970% | 1,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7863% | 3,577 |
| Return on assets (ROA) | 0.8320% | 3,413 |
| Pretax return on assets | 0.8320% | 4,266 |
| Return on Equity (ROE) | 8.6259% | 2,803 |
| Retained earnings to average equity (ytd only) | 3.0964% | 4,067 |
| Net charge-offs to loans | -0.0163% | 4,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2601% | 1,073 |
| Assets per employee ($millions) | 3.1806% | 5,094 |
| Cash dividends to net income (ytd only)* | 64.1034% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0203% | 552 |
| Loan loss allowance to noncurrent loans | 24.3781% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 4.9653% | 106 |
| Noncurrent loans to loans | 8.2874% | 42 |
| Net loans and leases to total assets | 58.7033% | 3,992 |
| Net loans and leases to deposits | 71.6204% | 3,813 |
| Net loans and leases to core deposits | 72.1541% | 4,120 |
| Total domestic deposits to total assets | 81.9646% | 3,789 |
| Equity capital to assets | 9.9126% | 4,024 |
| Core capital (leverage) ratio | 9.4977% | 4,173 |
| Tier 1 risk-based capital ratio | 13.5593% | 3,669 |
| Total risk-based capital ratio | 14.8146% | 3,581 |
| Memoranda: | ||
| Average total assets | $43,748,250 | 5,335 |
| Average earning assets | $39,664,250 | 5,339 |
| Average equity | $4,219,750 | 5,450 |
| Average total loans | $24,600,250 | 5,224 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 1,779 |
| Cost of funding earning assets | 0.3165% | 3,914 |
| Net interest margin | 4.0944% | 1,335 |
| Noninterest income to average assets | 0.2529% | 4,724 |
| Noninterest expense to average assets | 3.3802% | 1,209 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5611% | 4,469 |
| Return on assets (ROA) | 0.6163% | 4,275 |
| Pretax return on assets | 0.6163% | 4,771 |
| Return on Equity (ROE) | 6.4501% | 3,853 |
| Retained earnings to average equity (ytd only) | -1.9735% | 5,345 |
| Net charge-offs to loans | -0.0167% | 4,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7643% | 711 |
| Assets per employee ($millions) | 3.1446% | 5,153 |
| Cash dividends to net income (ytd only)* | 130.5970% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1472% | 466 |
| Loan loss allowance to noncurrent loans | 28.4506% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 4.2954% | 151 |
| Noncurrent loans to loans | 7.5471% | 55 |
| Net loans and leases to total assets | 55.6923% | 4,252 |
| Net loans and leases to deposits | 63.4310% | 4,406 |
| Net loans and leases to core deposits | 63.8739% | 4,614 |
| Total domestic deposits to total assets | 87.7998% | 1,564 |
| Equity capital to assets | 9.7447% | 4,179 |
| Core capital (leverage) ratio | 9.3722% | 4,263 |
| Tier 1 risk-based capital ratio | 13.8057% | 3,534 |
| Total risk-based capital ratio | 15.0632% | 3,448 |
| Memoranda: | ||
| Average total assets | $43,488,000 | 5,381 |
| Average earning assets | $39,175,330 | 5,388 |
| Average equity | $4,155,000 | 5,499 |
| Average total loans | $23,907,330 | 5,287 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1825% | 2,330 |
| Cost of funding earning assets | 0.3209% | 3,841 |
| Net interest margin | 3.8616% | 1,914 |
| Noninterest income to average assets | 0.2406% | 4,811 |
| Noninterest expense to average assets | 3.5261% | 1,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1666% | 5,436 |
| Return on assets (ROA) | 0.1666% | 5,447 |
| Pretax return on assets | 0.1666% | 5,467 |
| Return on Equity (ROE) | 1.7615% | 5,374 |
| Retained earnings to average equity (ytd only) | -15.3639% | 5,668 |
| Net charge-offs to loans | -0.0171% | 4,659 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4887% | 332 |
| Assets per employee ($millions) | 3.1626% | 5,205 |
| Cash dividends to net income (ytd only)* | 972.2222% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3146% | 406 |
| Loan loss allowance to noncurrent loans | 61.6533% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.9672% | 673 |
| Noncurrent loans to loans | 3.7541% | 299 |
| Net loans and leases to total assets | 51.1868% | 4,578 |
| Net loans and leases to deposits | 56.4610% | 4,789 |
| Net loans and leases to core deposits | 56.8405% | 4,931 |
| Total domestic deposits to total assets | 90.6588% | 407 |
| Equity capital to assets | 9.1153% | 4,696 |
| Core capital (leverage) ratio | 9.0763% | 4,654 |
| Tier 1 risk-based capital ratio | 13.9359% | 3,520 |
| Total risk-based capital ratio | 15.1933% | 3,426 |
| Memoranda: | ||
| Average total assets | $43,220,000 | 5,441 |
| Average earning assets | $38,637,000 | 5,457 |
| Average equity | $4,087,500 | 5,569 |
| Average total loans | $23,333,000 | 5,359 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7959% | 897 |
| Cost of funding earning assets | 0.3473% | 3,541 |
| Net interest margin | 4.4486% | 687 |
| Noninterest income to average assets | 0.2429% | 4,972 |
| Noninterest expense to average assets | 3.6277% | 975 |
| Loan and lease loss provision to assets | 0.5590% | 236 |
| Net operating income to assets | 0.0013% | 5,644 |
| Return on assets (ROA) | -0.0047% | 5,667 |
| Pretax return on assets | 0.0047% | 5,654 |
| Return on Equity (ROE) | -0.0465% | 5,667 |
| Retained earnings to average equity (ytd only) | -5.1604% | 5,681 |
| Net charge-offs to loans | 0.0835% | 2,497 |
| Credit loss provision to net charge-offs | 1,077.2727% | 363 |
| Earnings coverage of net charge-offs (x) | 11.0455% | 2,571 |
| Efficiency ratio | 86.3560% | 793 |
| Assets per employee ($millions) | 3.0116% | 5,352 |
| Cash dividends to net income (ytd only)* | -11,000.0000% | 5,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2843% | 415 |
| Loan loss allowance to noncurrent loans | 81.7073% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.5559% | 1,045 |
| Noncurrent loans to loans | 2.7957% | 520 |
| Net loans and leases to total assets | 54.3818% | 4,407 |
| Net loans and leases to deposits | 60.4126% | 4,643 |
| Net loans and leases to core deposits | 60.8390% | 4,818 |
| Total domestic deposits to total assets | 90.0173% | 622 |
| Equity capital to assets | 9.8167% | 3,922 |
| Core capital (leverage) ratio | 9.9945% | 3,487 |
| Tier 1 risk-based capital ratio | 14.2769% | 3,297 |
| Total risk-based capital ratio | 15.5336% | 3,226 |
| Memoranda: | ||
| Average total assets | $42,396,200 | 5,504 |
| Average earning assets | $37,719,400 | 5,516 |
| Average equity | $4,302,000 | 5,587 |
| Average total loans | $26,351,200 | 5,308 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9301% | 683 |
| Cost of funding earning assets | 0.3499% | 3,540 |
| Net interest margin | 4.5802% | 527 |
| Noninterest income to average assets | 0.2544% | 4,938 |
| Noninterest expense to average assets | 3.6681% | 897 |
| Loan and lease loss provision to assets | 0.7443% | 147 |
| Net operating income to assets | -0.1005% | 5,761 |
| Return on assets (ROA) | -0.1005% | 5,775 |
| Pretax return on assets | -0.0880% | 5,764 |
| Return on Equity (ROE) | -0.9826% | 5,778 |
| Retained earnings to average equity (ytd only) | -7.7368% | 5,811 |
| Net charge-offs to loans | 0.1083% | 1,861 |
| Credit loss provision to net charge-offs | 1,077.2727% | 379 |
| Earnings coverage of net charge-offs (x) | 9.5009% | 2,676 |
| Efficiency ratio | 84.8221% | 922 |
| Assets per employee ($millions) | 2.8780% | 5,486 |
| Cash dividends to net income (ytd only)* | -687.4385% | 5,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0801% | 626 |
| Loan loss allowance to noncurrent loans | 69.7009% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.9086% | 837 |
| Noncurrent loans to loans | 2.9843% | 502 |
| Net loans and leases to total assets | 62.6229% | 3,567 |
| Net loans and leases to deposits | 70.3272% | 3,958 |
| Net loans and leases to core deposits | 70.8525% | 4,262 |
| Total domestic deposits to total assets | 89.0450% | 882 |
| Equity capital to assets | 10.7639% | 3,294 |
| Core capital (leverage) ratio | 10.2104% | 3,324 |
| Tier 1 risk-based capital ratio | 13.7432% | 3,714 |
| Total risk-based capital ratio | 15.0013% | 3,623 |
| Memoranda: | ||
| Average total assets | $42,454,500 | 5,555 |
| Average earning assets | $37,726,500 | 5,571 |
| Average equity | $4,342,750 | 5,647 |
| Average total loans | $27,072,750 | 5,345 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8300% | 829 |
| Cost of funding earning assets | 0.3439% | 3,631 |
| Net interest margin | 4.4861% | 634 |
| Noninterest income to average assets | 0.2409% | 5,043 |
| Noninterest expense to average assets | 3.5993% | 1,011 |
| Loan and lease loss provision to assets | 1.8761% | 42 |
| Net operating income to assets | -1.2646% | 5,990 |
| Return on assets (ROA) | -1.2646% | 5,991 |
| Pretax return on assets | -1.2461% | 5,982 |
| Return on Equity (ROE) | -12.5671% | 5,990 |
| Retained earnings to average equity (ytd only) | -22.6945% | 5,982 |
| Net charge-offs to loans | 0.1745% | 1,295 |
| Credit loss provision to net charge-offs | 1,687.5000% | 239 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,832 |
| Efficiency ratio | 85.1041% | 959 |
| Assets per employee ($millions) | 3.0244% | 5,398 |
| Cash dividends to net income (ytd only)* | -80.5861% | 6,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5761% | 328 |
| Loan loss allowance to noncurrent loans | 50.4673% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 3.2852% | 351 |
| Noncurrent loans to loans | 5.1046% | 165 |
| Net loans and leases to total assets | 62.7005% | 3,545 |
| Net loans and leases to deposits | 69.6031% | 4,021 |
| Net loans and leases to core deposits | 70.0882% | 4,316 |
| Total domestic deposits to total assets | 90.0829% | 457 |
| Equity capital to assets | 9.7352% | 4,527 |
| Core capital (leverage) ratio | 9.1058% | 4,709 |
| Tier 1 risk-based capital ratio | 12.3330% | 4,625 |
| Total risk-based capital ratio | 13.5958% | 4,540 |
| Memoranda: | ||
| Average total assets | $43,175,330 | 5,602 |
| Average earning assets | $38,385,000 | 5,620 |
| Average equity | $4,344,670 | 5,711 |
| Average total loans | $27,507,670 | 5,390 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9104% | 681 |
| Cost of funding earning assets | 0.3308% | 3,832 |
| Net interest margin | 4.5796% | 522 |
| Noninterest income to average assets | 0.2569% | 4,897 |
| Noninterest expense to average assets | 3.4593% | 1,261 |
| Loan and lease loss provision to assets | 0.1468% | 1,438 |
| Net operating income to assets | 0.6790% | 3,820 |
| Return on assets (ROA) | 0.6790% | 3,940 |
| Pretax return on assets | 0.7157% | 4,475 |
| Return on Equity (ROE) | 6.6427% | 3,647 |
| Retained earnings to average equity (ytd only) | -13.1059% | 5,876 |
| Net charge-offs to loans | 0.3474% | 640 |
| Credit loss provision to net charge-offs | 66.6667% | 1,925 |
| Earnings coverage of net charge-offs (x) | 3.9167% | 2,485 |
| Efficiency ratio | 80.0425% | 1,600 |
| Assets per employee ($millions) | 3.0799% | 5,425 |
| Cash dividends to net income (ytd only)* | 297.2973% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2118% | 3,408 |
| Loan loss allowance to noncurrent loans | 73.1308% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 0.9926% | 2,225 |
| Noncurrent loans to loans | 1.6570% | 1,370 |
| Net loans and leases to total assets | 59.1781% | 3,898 |
| Net loans and leases to deposits | 66.0583% | 4,247 |
| Net loans and leases to core deposits | 66.5129% | 4,504 |
| Total domestic deposits to total assets | 89.5846% | 793 |
| Equity capital to assets | 10.1927% | 3,851 |
| Core capital (leverage) ratio | 9.6592% | 3,957 |
| Tier 1 risk-based capital ratio | 13.4231% | 4,031 |
| Total risk-based capital ratio | 14.4152% | 4,083 |
| Memoranda: | ||
| Average total assets | $43,592,500 | 5,645 |
| Average earning assets | $38,693,500 | 5,664 |
| Average equity | $4,456,000 | 5,731 |
| Average total loans | $27,636,500 | 5,427 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0444% | 575 |
| Cost of funding earning assets | 0.3448% | 3,747 |
| Net interest margin | 4.6996% | 447 |
| Noninterest income to average assets | 0.2919% | 4,802 |
| Noninterest expense to average assets | 3.3836% | 1,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1316% | 1,802 |
| Return on assets (ROA) | 1.1114% | 1,938 |
| Pretax return on assets | 1.1114% | 2,993 |
| Return on Equity (ROE) | 11.6564% | 1,388 |
| Retained earnings to average equity (ytd only) | 6.9467% | 1,304 |
| Net charge-offs to loans | -0.0033% | 4,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9378% | 2,434 |
| Assets per employee ($millions) | 3.1476% | 5,363 |
| Cash dividends to net income (ytd only)* | 40.4040% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 4,098 |
| Loan loss allowance to noncurrent loans | 121.5909% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.5991% | 3,284 |
| Noncurrent loans to loans | 0.8966% | 2,547 |
| Net loans and leases to total assets | 66.0872% | 2,964 |
| Net loans and leases to deposits | 75.6317% | 3,302 |
| Net loans and leases to core deposits | 76.1519% | 3,742 |
| Total domestic deposits to total assets | 87.3803% | 1,941 |
| Equity capital to assets | 10.2505% | 3,680 |
| Core capital (leverage) ratio | 10.1847% | 3,280 |
| Tier 1 risk-based capital ratio | 13.0081% | 4,311 |
| Total risk-based capital ratio | 13.9441% | 4,418 |
| Memoranda: | ||
| Average total assets | $44,538,600 | 5,670 |
| Average earning assets | $40,024,600 | 5,675 |
| Average equity | $4,246,600 | 5,810 |
| Average total loans | $29,924,200 | 5,362 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9390% | 703 |
| Cost of funding earning assets | 0.3426% | 3,835 |
| Net interest margin | 4.5965% | 550 |
| Noninterest income to average assets | 0.2388% | 5,222 |
| Noninterest expense to average assets | 3.2245% | 1,901 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1405% | 1,864 |
| Return on assets (ROA) | 1.1405% | 1,929 |
| Pretax return on assets | 1.1405% | 3,053 |
| Return on Equity (ROE) | 12.1876% | 1,324 |
| Retained earnings to average equity (ytd only) | 5.8067% | 2,364 |
| Net charge-offs to loans | -0.0044% | 4,814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8714% | 2,578 |
| Assets per employee ($millions) | 3.4652% | 4,859 |
| Cash dividends to net income (ytd only)* | 52.3561% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 4,579 |
| Loan loss allowance to noncurrent loans | 69.4805% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.0256% | 2,306 |
| Noncurrent loans to loans | 1.4834% | 1,688 |
| Net loans and leases to total assets | 68.4241% | 2,617 |
| Net loans and leases to deposits | 85.2312% | 2,246 |
| Net loans and leases to core deposits | 85.8555% | 2,865 |
| Total domestic deposits to total assets | 80.2806% | 4,676 |
| Equity capital to assets | 9.6255% | 4,605 |
| Core capital (leverage) ratio | 9.6044% | 4,160 |
| Tier 1 risk-based capital ratio | 12.3622% | 4,848 |
| Total risk-based capital ratio | 13.2767% | 4,983 |
| Memoranda: | ||
| Average total assets | $44,656,750 | 5,741 |
| Average earning assets | $40,087,750 | 5,749 |
| Average equity | $4,179,000 | 5,903 |
| Average total loans | $30,044,500 | 5,421 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8631% | 787 |
| Cost of funding earning assets | 0.3299% | 4,052 |
| Net interest margin | 4.5332% | 597 |
| Noninterest income to average assets | 0.2605% | 5,087 |
| Noninterest expense to average assets | 2.8971% | 2,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4373% | 1,019 |
| Return on assets (ROA) | 1.4373% | 1,057 |
| Pretax return on assets | 1.4373% | 1,842 |
| Return on Equity (ROE) | 15.5089% | 664 |
| Retained earnings to average equity (ytd only) | 5.8158% | 2,348 |
| Net charge-offs to loans | -0.0067% | 4,815 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8394% | 3,860 |
| Assets per employee ($millions) | 3.3888% | 5,003 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 4,605 |
| Loan loss allowance to noncurrent loans | 74.4780% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 0.9783% | 2,571 |
| Noncurrent loans to loans | 1.4096% | 1,908 |
| Net loans and leases to total assets | 68.6793% | 2,540 |
| Net loans and leases to deposits | 81.0089% | 2,665 |
| Net loans and leases to core deposits | 81.5833% | 3,228 |
| Total domestic deposits to total assets | 84.7800% | 3,223 |
| Equity capital to assets | 9.4543% | 4,705 |
| Core capital (leverage) ratio | 9.4521% | 4,337 |
| Tier 1 risk-based capital ratio | 12.5647% | 4,765 |
| Total risk-based capital ratio | 13.5086% | 4,866 |
| Memoranda: | ||
| Average total assets | $44,526,670 | 5,804 |
| Average earning assets | $40,016,000 | 5,813 |
| Average equity | $4,126,670 | 5,972 |
| Average total loans | $29,678,000 | 5,485 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7262% | 990 |
| Cost of funding earning assets | 0.3297% | 4,094 |
| Net interest margin | 4.3964% | 738 |
| Noninterest income to average assets | 0.2949% | 4,813 |
| Noninterest expense to average assets | 2.8774% | 2,980 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3493% | 1,137 |
| Return on assets (ROA) | 1.3493% | 1,203 |
| Pretax return on assets | 1.3493% | 2,076 |
| Return on Equity (ROE) | 14.7048% | 750 |
| Retained earnings to average equity (ytd only) | -4.7718% | 5,921 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0761% | 3,810 |
| Assets per employee ($millions) | 3.4646% | 4,959 |
| Cash dividends to net income (ytd only)* | 132.4503% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 4,428 |
| Loan loss allowance to noncurrent loans | 695.6522% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.1021% | 5,543 |
| Noncurrent loans to loans | 0.1606% | 5,197 |
| Net loans and leases to total assets | 62.8885% | 3,248 |
| Net loans and leases to deposits | 72.8936% | 3,445 |
| Net loans and leases to core deposits | 73.3903% | 3,834 |
| Total domestic deposits to total assets | 86.2744% | 2,784 |
| Equity capital to assets | 9.1097% | 5,185 |
| Core capital (leverage) ratio | 9.0285% | 4,920 |
| Tier 1 risk-based capital ratio | 12.1924% | 5,117 |
| Total risk-based capital ratio | 13.1433% | 5,198 |
| Memoranda: | ||
| Average total assets | $44,763,000 | 5,850 |
| Average earning assets | $40,032,500 | 5,868 |
| Average equity | $4,107,500 | 6,030 |
| Average total loans | $29,228,500 | 5,552 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5895% | 1,591 |
| Cost of funding earning assets | 0.3409% | 4,357 |
| Net interest margin | 4.2486% | 1,167 |
| Noninterest income to average assets | 0.2394% | 5,414 |
| Noninterest expense to average assets | 3.0673% | 2,631 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9840% | 2,459 |
| Return on assets (ROA) | 0.9840% | 2,539 |
| Pretax return on assets | 0.9840% | 3,564 |
| Return on Equity (ROE) | 11.7367% | 1,482 |
| Retained earnings to average equity (ytd only) | 6.4499% | 1,676 |
| Net charge-offs to loans | 0.0355% | 4,123 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 44.4000% | 1,010 |
| Efficiency ratio | 75.7112% | 2,557 |
| Assets per employee ($millions) | 3.7072% | 4,512 |
| Cash dividends to net income (ytd only)* | 45.0450% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 4,675 |
| Loan loss allowance to noncurrent loans | 32,000.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 6,090 |
| Noncurrent loans to loans | 0.0034% | 5,916 |
| Net loans and leases to total assets | 66.2950% | 2,836 |
| Net loans and leases to deposits | 76.9745% | 3,090 |
| Net loans and leases to core deposits | 77.5045% | 3,562 |
| Total domestic deposits to total assets | 86.1260% | 2,766 |
| Equity capital to assets | 9.2434% | 5,016 |
| Core capital (leverage) ratio | 9.2903% | 4,552 |
| Tier 1 risk-based capital ratio | 12.8030% | 4,855 |
| Total risk-based capital ratio | 13.7897% | 4,933 |
| Memoranda: | ||
| Average total assets | $45,120,400 | 5,904 |
| Average earning assets | $40,483,600 | 5,907 |
| Average equity | $3,783,000 | 6,132 |
| Average total loans | $28,157,200 | 5,645 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4716% | 1,972 |
| Cost of funding earning assets | 0.3339% | 4,529 |
| Net interest margin | 4.1377% | 1,468 |
| Noninterest income to average assets | 0.2356% | 5,517 |
| Noninterest expense to average assets | 3.0565% | 2,608 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9011% | 2,910 |
| Return on assets (ROA) | 0.9011% | 3,005 |
| Pretax return on assets | 0.9011% | 3,978 |
| Return on Equity (ROE) | 11.0245% | 1,782 |
| Retained earnings to average equity (ytd only) | 3.8190% | 3,935 |
| Net charge-offs to loans | -0.0096% | 5,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2321% | 2,319 |
| Assets per employee ($millions) | 3.4145% | 5,026 |
| Cash dividends to net income (ytd only)* | 65.3594% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 4,812 |
| Loan loss allowance to noncurrent loans | 245.9259% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 5,048 |
| Noncurrent loans to loans | 0.4418% | 4,577 |
| Net loans and leases to total assets | 68.0882% | 2,524 |
| Net loans and leases to deposits | 83.1490% | 2,268 |
| Net loans and leases to core deposits | 83.7527% | 2,908 |
| Total domestic deposits to total assets | 81.8870% | 4,515 |
| Equity capital to assets | 8.9168% | 5,444 |
| Core capital (leverage) ratio | 9.0661% | 4,972 |
| Tier 1 risk-based capital ratio | 12.4315% | 5,207 |
| Total risk-based capital ratio | 13.4595% | 5,276 |
| Memoranda: | ||
| Average total assets | $45,279,000 | 5,967 |
| Average earning assets | $40,730,250 | 5,969 |
| Average equity | $3,700,750 | 6,215 |
| Average total loans | $27,743,500 | 5,714 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2599% | 2,736 |
| Cost of funding earning assets | 0.3232% | 4,722 |
| Net interest margin | 3.9367% | 2,024 |
| Noninterest income to average assets | 0.2370% | 5,505 |
| Noninterest expense to average assets | 3.1596% | 2,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6056% | 4,333 |
| Return on assets (ROA) | 0.6056% | 4,432 |
| Pretax return on assets | 0.6056% | 4,942 |
| Return on Equity (ROE) | 7.6349% | 3,299 |
| Retained earnings to average equity (ytd only) | -3.4302% | 6,131 |
| Net charge-offs to loans | 0.1194% | 2,476 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.6250% | 2,468 |
| Efficiency ratio | 83.9161% | 1,528 |
| Assets per employee ($millions) | 3.3532% | 5,151 |
| Cash dividends to net income (ytd only)* | 144.9275% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 4,804 |
| 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 | 63.4772% | 3,164 |
| Net loans and leases to deposits | 73.2425% | 3,430 |
| Net loans and leases to core deposits | 73.7539% | 3,864 |
| Total domestic deposits to total assets | 86.6673% | 2,658 |
| Equity capital to assets | 8.6208% | 5,693 |
| Core capital (leverage) ratio | 8.4600% | 5,674 |
| Tier 1 risk-based capital ratio | 12.2966% | 5,363 |
| Total risk-based capital ratio | 13.3003% | 5,450 |
| Memoranda: | ||
| Average total assets | $45,576,000 | 6,015 |
| Average earning assets | $40,846,000 | 6,026 |
| Average equity | $3,615,000 | 6,278 |
| Average total loans | $26,806,330 | 5,810 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1390% | 3,137 |
| Cost of funding earning assets | 0.3288% | 4,749 |
| Net interest margin | 3.8102% | 2,431 |
| Noninterest income to average assets | 0.2405% | 5,435 |
| Noninterest expense to average assets | 3.0579% | 2,664 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5669% | 4,365 |
| Return on assets (ROA) | 0.5669% | 4,443 |
| Pretax return on assets | 0.5669% | 4,947 |
| Return on Equity (ROE) | 7.4503% | 3,235 |
| Retained earnings to average equity (ytd only) | -15.1263% | 6,468 |
| Net charge-offs to loans | 0.2441% | 1,344 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.1250% | 2,569 |
| Efficiency ratio | 84.3602% | 1,629 |
| Assets per employee ($millions) | 3.3573% | 5,241 |
| Cash dividends to net income (ytd only)* | 303.0303% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 4,380 |
| Loan loss allowance to noncurrent loans | 1,427.2727% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 6,140 |
| Noncurrent loans to loans | 0.0875% | 5,869 |
| Net loans and leases to total assets | 52.8063% | 4,561 |
| Net loans and leases to deposits | 59.9430% | 4,769 |
| Net loans and leases to core deposits | 60.3247% | 5,008 |
| Total domestic deposits to total assets | 88.0941% | 2,178 |
| Equity capital to assets | 7.5061% | 6,312 |
| Core capital (leverage) ratio | 7.9311% | 6,158 |
| Tier 1 risk-based capital ratio | 12.4563% | 5,342 |
| Total risk-based capital ratio | 13.4926% | 5,412 |
| Memoranda: | ||
| Average total assets | $46,568,000 | 6,058 |
| Average earning assets | $41,363,000 | 6,074 |
| Average equity | $3,543,500 | 6,338 |
| Average total loans | $26,217,000 | 5,882 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4938% | 2,231 |
| Cost of funding earning assets | 0.3439% | 5,203 |
| Net interest margin | 4.1498% | 1,500 |
| Noninterest income to average assets | 0.3863% | 4,544 |
| Noninterest expense to average assets | 3.0449% | 2,914 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0752% | 2,015 |
| Return on assets (ROA) | 1.0820% | 2,066 |
| Pretax return on assets | 1.0820% | 3,018 |
| Return on Equity (ROE) | 13.6405% | 1,032 |
| Retained earnings to average equity (ytd only) | 7.9451% | 1,070 |
| Net charge-offs to loans | 0.5496% | 1,202 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.2381% | 3,919 |
| Efficiency ratio | 73.9035% | 3,140 |
| Assets per employee ($millions) | 3.2953% | 5,303 |
| Cash dividends to net income (ytd only)* | 41.7537% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 4,617 |
| Loan loss allowance to noncurrent loans | 2,538.4615% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 6,305 |
| Noncurrent loans to loans | 0.0476% | 6,089 |
| Net loans and leases to total assets | 58.4601% | 3,961 |
| Net loans and leases to deposits | 66.5712% | 4,233 |
| Net loans and leases to core deposits | 67.0029% | 4,614 |
| Total domestic deposits to total assets | 87.8159% | 2,297 |
| Equity capital to assets | 7.7145% | 6,178 |
| Core capital (leverage) ratio | 8.7229% | 5,392 |
| Tier 1 risk-based capital ratio | 12.2789% | 5,443 |
| Total risk-based capital ratio | 13.3155% | 5,515 |
| Memoranda: | ||
| Average total assets | $44,271,200 | 6,173 |
| Average earning assets | $39,833,000 | 6,173 |
| Average equity | $3,511,600 | 6,430 |
| Average total loans | $26,747,600 | 5,899 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4900% | 2,273 |
| Cost of funding earning assets | 0.3477% | 5,316 |
| Net interest margin | 4.1422% | 1,505 |
| Noninterest income to average assets | 0.4292% | 4,303 |
| Noninterest expense to average assets | 2.9585% | 3,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2053% | 1,612 |
| Return on assets (ROA) | 1.2144% | 1,657 |
| Pretax return on assets | 1.2144% | 2,641 |
| Return on Equity (ROE) | 15.2008% | 770 |
| Retained earnings to average equity (ytd only) | 7.5814% | 1,598 |
| Net charge-offs to loans | 0.0351% | 4,438 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 56.5906% | 793 |
| Efficiency ratio | 71.0526% | 3,598 |
| Assets per employee ($millions) | 3.0299% | 5,797 |
| Cash dividends to net income (ytd only)* | 50.1250% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 3,022 |
| Loan loss allowance to noncurrent loans | 23,500.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 6,513 |
| Noncurrent loans to loans | 0.0068% | 6,365 |
| Net loans and leases to total assets | 63.8254% | 3,023 |
| Net loans and leases to deposits | 78.6082% | 2,571 |
| Net loans and leases to core deposits | 79.1681% | 3,213 |
| Total domestic deposits to total assets | 81.1943% | 5,170 |
| Equity capital to assets | 7.6635% | 6,322 |
| Core capital (leverage) ratio | 8.6199% | 5,630 |
| Tier 1 risk-based capital ratio | 11.9513% | 5,803 |
| Total risk-based capital ratio | 13.2032% | 5,741 |
| Memoranda: | ||
| Average total assets | $43,805,500 | 6,250 |
| Average earning assets | $39,494,500 | 6,253 |
| Average equity | $3,499,750 | 6,508 |
| Average total loans | $26,609,500 | 5,963 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 2,742 |
| Cost of funding earning assets | 0.3433% | 5,463 |
| Net interest margin | 4.0115% | 1,817 |
| Noninterest income to average assets | 0.1942% | 6,046 |
| Noninterest expense to average assets | 2.9729% | 3,084 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8415% | 3,091 |
| Return on assets (ROA) | 0.8415% | 3,249 |
| Pretax return on assets | 0.8415% | 4,152 |
| Return on Equity (ROE) | 10.3842% | 2,046 |
| Retained earnings to average equity (ytd only) | -1.0270% | 6,058 |
| Net charge-offs to loans | -0.0390% | 6,176 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9394% | 2,466 |
| Assets per employee ($millions) | 3.0009% | 5,851 |
| Cash dividends to net income (ytd only)* | 109.8901% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7946% | 2,452 |
| 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 | 62.7844% | 3,140 |
| Net loans and leases to deposits | 71.7371% | 3,487 |
| Net loans and leases to core deposits | 72.2499% | 4,006 |
| Total domestic deposits to total assets | 87.5202% | 2,528 |
| Equity capital to assets | 7.5621% | 6,419 |
| Core capital (leverage) ratio | 8.2671% | 5,930 |
| Tier 1 risk-based capital ratio | 12.1158% | 5,727 |
| Total risk-based capital ratio | 13.3707% | 5,666 |
| Memoranda: | ||
| Average total assets | $43,257,670 | 6,308 |
| Average earning assets | $39,038,000 | 6,313 |
| Average equity | $3,505,330 | 6,560 |
| Average total loans | $25,653,330 | 6,036 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2795% | 2,979 |
| Cost of funding earning assets | 0.3489% | 5,543 |
| Net interest margin | 3.9306% | 2,012 |
| Noninterest income to average assets | 0.1823% | 6,176 |
| Noninterest expense to average assets | 2.9808% | 3,048 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6928% | 3,729 |
| Return on assets (ROA) | 0.6928% | 3,874 |
| Pretax return on assets | 0.6928% | 4,607 |
| Return on Equity (ROE) | 8.2845% | 2,828 |
| Retained earnings to average equity (ytd only) | -13.5168% | 6,710 |
| Net charge-offs to loans | -0.0319% | 5,922 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1414% | 2,171 |
| Assets per employee ($millions) | 3.1869% | 5,657 |
| Cash dividends to net income (ytd only)* | 263.1579% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0293% | 1,968 |
| 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 | 51.8300% | 4,728 |
| Net loans and leases to deposits | 59.4030% | 4,862 |
| Net loans and leases to core deposits | 59.8040% | 5,169 |
| Total domestic deposits to total assets | 87.2515% | 2,793 |
| Equity capital to assets | 8.0261% | 6,365 |
| Core capital (leverage) ratio | 8.0354% | 6,108 |
| Tier 1 risk-based capital ratio | 12.2395% | 5,762 |
| Total risk-based capital ratio | 13.4962% | 5,715 |
| Memoranda: | ||
| Average total assets | $43,880,500 | 6,350 |
| Average earning assets | $38,976,500 | 6,366 |
| Average equity | $3,669,500 | 6,593 |
| Average total loans | $25,050,500 | 6,117 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0112% | 1,531 |
| Cost of funding earning assets | 0.4360% | 5,675 |
| Net interest margin | 4.5752% | 815 |
| Noninterest income to average assets | 0.1431% | 6,322 |
| Noninterest expense to average assets | 3.1185% | 2,873 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0961% | 1,947 |
| Return on assets (ROA) | 1.1761% | 1,845 |
| Pretax return on assets | 1.1761% | 2,883 |
| Return on Equity (ROE) | 13.8192% | 1,026 |
| Retained earnings to average equity (ytd only) | 8.1206% | 1,081 |
| Net charge-offs to loans | -0.0823% | 6,789 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9931% | 3,072 |
| Assets per employee ($millions) | 3.3188% | 5,384 |
| Cash dividends to net income (ytd only)* | 41.2371% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8002% | 2,580 |
| 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 | 60.3097% | 3,550 |
| Net loans and leases to deposits | 69.7027% | 3,749 |
| Net loans and leases to core deposits | 70.1915% | 4,284 |
| Total domestic deposits to total assets | 86.5242% | 3,087 |
| Equity capital to assets | 8.7104% | 5,843 |
| Core capital (leverage) ratio | 8.8450% | 5,105 |
| Tier 1 risk-based capital ratio | 11.8229% | 5,892 |
| Total risk-based capital ratio | 13.0769% | 5,854 |
| Memoranda: | ||
| Average total assets | $41,238,000 | 6,462 |
| Average earning assets | $36,697,800 | 6,482 |
| Average equity | $3,509,600 | 6,686 |
| Average total loans | $26,716,200 | 6,098 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0776% | 1,483 |
| Cost of funding earning assets | 0.4436% | 5,842 |
| Net interest margin | 4.6340% | 768 |
| Noninterest income to average assets | 0.0066% | 6,914 |
| Noninterest expense to average assets | 3.1598% | 2,685 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9813% | 2,606 |
| Return on assets (ROA) | 1.0892% | 2,329 |
| Pretax return on assets | 1.0892% | 3,391 |
| Return on Equity (ROE) | 12.8786% | 1,369 |
| Retained earnings to average equity (ytd only) | 5.1437% | 3,262 |
| Net charge-offs to loans | -0.0946% | 6,840 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3033% | 2,629 |
| Assets per employee ($millions) | 3.1336% | 5,774 |
| Cash dividends to net income (ytd only)* | 60.0599% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 3,198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 4,994 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 67.9112% | 2,313 |
| Net loans and leases to deposits | 78.8514% | 2,551 |
| Net loans and leases to core deposits | 79.4401% | 3,275 |
| Total domestic deposits to total assets | 86.1256% | 3,183 |
| Equity capital to assets | 8.8519% | 5,978 |
| Core capital (leverage) ratio | 8.5402% | 5,700 |
| Tier 1 risk-based capital ratio | 11.4858% | 6,235 |
| Total risk-based capital ratio | 12.7407% | 6,202 |
| Memoranda: | ||
| Average total assets | $40,761,500 | 6,560 |
| Average earning assets | $36,368,000 | 6,568 |
| Average equity | $3,447,500 | 6,782 |
| Average total loans | $26,771,000 | 6,176 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9817% | 1,838 |
| Cost of funding earning assets | 0.4454% | 5,997 |
| Net interest margin | 4.5363% | 934 |
| Noninterest income to average assets | -0.1226% | 7,109 |
| Noninterest expense to average assets | 3.2034% | 2,574 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7211% | 3,747 |
| Return on assets (ROA) | 0.8830% | 3,245 |
| Pretax return on assets | 0.8830% | 4,147 |
| Return on Equity (ROE) | 10.6049% | 2,129 |
| Retained earnings to average equity (ytd only) | -1.1783% | 6,237 |
| Net charge-offs to loans | -0.1140% | 6,881 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6250% | 1,941 |
| Assets per employee ($millions) | 3.3413% | 5,351 |
| Cash dividends to net income (ytd only)* | 111.1111% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6914% | 3,258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0600% | 4,261 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 68.1290% | 2,271 |
| Net loans and leases to deposits | 77.8018% | 2,705 |
| Net loans and leases to core deposits | 78.3800% | 3,460 |
| Total domestic deposits to total assets | 87.5673% | 2,422 |
| Equity capital to assets | 8.4896% | 6,217 |
| Core capital (leverage) ratio | 8.2400% | 5,999 |
| Tier 1 risk-based capital ratio | 11.2036% | 6,400 |
| Total risk-based capital ratio | 12.4570% | 6,379 |
| Memoranda: | ||
| Average total assets | $40,769,670 | 6,604 |
| Average earning assets | $36,373,000 | 6,612 |
| Average equity | $3,394,670 | 6,835 |
| Average total loans | $26,315,000 | 6,241 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0439% | 1,739 |
| Cost of funding earning assets | 0.4878% | 5,881 |
| Net interest margin | 4.5562% | 899 |
| Noninterest income to average assets | 0.2627% | 5,769 |
| Noninterest expense to average assets | 3.2014% | 2,593 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0607% | 2,251 |
| Return on assets (ROA) | 0.9828% | 2,744 |
| Pretax return on assets | 0.9828% | 3,735 |
| Return on Equity (ROE) | 11.9174% | 1,695 |
| Retained earnings to average equity (ytd only) | -11.6814% | 6,890 |
| Net charge-offs to loans | -0.0938% | 6,764 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1142% | 2,917 |
| Assets per employee ($millions) | 3.4826% | 5,156 |
| Cash dividends to net income (ytd only)* | 198.0198% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8470% | 2,850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3639% | 3,840 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 58.6203% | 3,937 |
| Net loans and leases to deposits | 63.8218% | 4,661 |
| Net loans and leases to core deposits | 64.2554% | 5,081 |
| Total domestic deposits to total assets | 91.8499% | 297 |
| Equity capital to assets | 7.9299% | 6,568 |
| Core capital (leverage) ratio | 7.7901% | 6,419 |
| Tier 1 risk-based capital ratio | 11.1363% | 6,475 |
| Total risk-based capital ratio | 12.3915% | 6,460 |
| Memoranda: | ||
| Average total assets | $41,106,500 | 6,644 |
| Average earning assets | $36,083,000 | 6,670 |
| Average equity | $3,390,000 | 6,877 |
| Average total loans | $25,579,000 | 6,330 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5657% | 1,026 |
| Cost of funding earning assets | 0.7153% | 5,431 |
| Net interest margin | 4.8504% | 571 |
| Noninterest income to average assets | 0.1188% | 6,550 |
| Noninterest expense to average assets | 3.5368% | 1,895 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8913% | 2,641 |
| Return on assets (ROA) | 0.9430% | 2,560 |
| Pretax return on assets | 0.9430% | 3,456 |
| Return on Equity (ROE) | 11.0680% | 1,677 |
| Retained earnings to average equity (ytd only) | 5.6098% | 2,238 |
| Net charge-offs to loans | 0.0301% | 6,025 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 43.1250% | 634 |
| Efficiency ratio | 79.8716% | 2,318 |
| Assets per employee ($millions) | 3.3685% | 5,326 |
| Cash dividends to net income (ytd only)* | 49.3151% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7367% | 3,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4101% | 3,874 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 63.6881% | 3,254 |
| Net loans and leases to deposits | 69.8825% | 4,122 |
| Net loans and leases to core deposits | 70.3753% | 4,735 |
| Total domestic deposits to total assets | 91.1360% | 450 |
| Equity capital to assets | 8.5745% | 6,049 |
| Core capital (leverage) ratio | 8.5994% | 5,401 |
| Tier 1 risk-based capital ratio | 11.0942% | 6,406 |
| Total risk-based capital ratio | 12.3478% | 6,384 |
| Memoranda: | ||
| Average total assets | $38,707,400 | 6,714 |
| Average earning assets | $34,389,000 | 6,738 |
| Average equity | $3,297,800 | 6,933 |
| Average total loans | $26,616,000 | 6,319 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6769% | 882 |
| Cost of funding earning assets | 0.7837% | 5,254 |
| Net interest margin | 4.8932% | 517 |
| Noninterest income to average assets | 0.4145% | 4,549 |
| Noninterest expense to average assets | 3.6085% | 1,692 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1773% | 1,721 |
| Return on assets (ROA) | 1.1773% | 1,839 |
| Pretax return on assets | 1.1773% | 2,704 |
| Return on Equity (ROE) | 13.8420% | 1,071 |
| Retained earnings to average equity (ytd only) | 6.4704% | 2,254 |
| Net charge-offs to loans | 0.1696% | 4,437 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 9.9418% | 1,981 |
| Efficiency ratio | 75.4003% | 2,941 |
| Assets per employee ($millions) | 3.1871% | 5,713 |
| Cash dividends to net income (ytd only)* | 53.2530% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6138% | 3,592 |
| Loan loss allowance to noncurrent loans | 286.0000% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 1.9610% | 3,192 |
| Noncurrent loans to loans | 0.5643% | 5,739 |
| Net loans and leases to total assets | 68.3854% | 2,403 |
| Net loans and leases to deposits | 75.4305% | 3,428 |
| Net loans and leases to core deposits | 75.9959% | 4,194 |
| Total domestic deposits to total assets | 90.6602% | 569 |
| Equity capital to assets | 9.0312% | 5,717 |
| Core capital (leverage) ratio | 8.7370% | 5,355 |
| Tier 1 risk-based capital ratio | 11.6150% | 6,164 |
| Total risk-based capital ratio | 12.8679% | 6,153 |
| Memoranda: | ||
| Average total assets | $38,278,750 | 6,785 |
| Average earning assets | $34,196,000 | 6,802 |
| Average equity | $3,255,750 | 7,001 |
| Average total loans | $26,720,250 | 6,374 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5202% | 1,257 |
| Cost of funding earning assets | 0.8243% | 5,219 |
| Net interest margin | 4.6959% | 737 |
| Noninterest income to average assets | 0.4597% | 4,198 |
| Noninterest expense to average assets | 3.6354% | 1,659 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0499% | 2,039 |
| Return on assets (ROA) | 1.0499% | 2,136 |
| Pretax return on assets | 1.0499% | 3,043 |
| Return on Equity (ROE) | 12.6032% | 1,310 |
| Retained earnings to average equity (ytd only) | 1.3168% | 5,323 |
| Net charge-offs to loans | 0.1569% | 4,244 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 9.5714% | 1,908 |
| Efficiency ratio | 77.5920% | 2,775 |
| Assets per employee ($millions) | 2.9796% | 6,128 |
| Cash dividends to net income (ytd only)* | 89.5522% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 3,474 |
| Loan loss allowance to noncurrent loans | 2,326.3158% | 188 |
| Noncurrent assets plus other real estate owned to assets | 1.5980% | 3,805 |
| Noncurrent loans to loans | 0.0711% | 6,802 |
| Net loans and leases to total assets | 67.8017% | 2,660 |
| Net loans and leases to deposits | 74.1956% | 3,777 |
| Net loans and leases to core deposits | 75.3147% | 4,398 |
| Total domestic deposits to total assets | 91.3825% | 373 |
| Equity capital to assets | 8.3619% | 6,350 |
| Core capital (leverage) ratio | 8.0532% | 6,230 |
| Tier 1 risk-based capital ratio | 11.3644% | 6,275 |
| Total risk-based capital ratio | 12.6183% | 6,261 |
| Memoranda: | ||
| Average total assets | $38,290,000 | 6,851 |
| Average earning assets | $34,455,330 | 6,852 |
| Average equity | $3,189,670 | 7,074 |
| Average total loans | $26,766,000 | 6,429 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5213% | 1,240 |
| Cost of funding earning assets | 0.8620% | 5,197 |
| Net interest margin | 4.6594% | 765 |
| Noninterest income to average assets | 0.2837% | 5,642 |
| Noninterest expense to average assets | 3.6672% | 1,609 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8196% | 2,930 |
| Return on assets (ROA) | 0.8196% | 2,987 |
| Pretax return on assets | 0.8196% | 3,832 |
| Return on Equity (ROE) | 9.8578% | 2,150 |
| Retained earnings to average equity (ytd only) | -5.3081% | 6,544 |
| Net charge-offs to loans | 0.1791% | 3,419 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,090 |
| Efficiency ratio | 81.7330% | 2,267 |
| Assets per employee ($millions) | 3.0078% | 6,127 |
| Cash dividends to net income (ytd only)* | 153.8462% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7274% | 3,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5728% | 3,890 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 65.6198% | 3,107 |
| Net loans and leases to deposits | 71.5784% | 4,126 |
| Net loans and leases to core deposits | 72.6444% | 4,703 |
| Total domestic deposits to total assets | 91.6754% | 375 |
| Equity capital to assets | 8.0561% | 6,446 |
| Core capital (leverage) ratio | 8.0301% | 6,219 |
| Tier 1 risk-based capital ratio | 10.9231% | 6,555 |
| Total risk-based capital ratio | 12.1773% | 6,534 |
| Memoranda: | ||
| Average total assets | $38,067,500 | 6,903 |
| Average earning assets | $34,339,500 | 6,908 |
| Average equity | $3,165,000 | 7,120 |
| Average total loans | $26,796,500 | 6,484 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3526% | 421 |
| Cost of funding earning assets | 1.1421% | 4,897 |
| Net interest margin | 5.2105% | 279 |
| Noninterest income to average assets | -0.1480% | 7,437 |
| Noninterest expense to average assets | 3.8774% | 1,349 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6001% | 3,669 |
| Return on assets (ROA) | 0.6028% | 3,822 |
| Pretax return on assets | 0.6028% | 4,318 |
| Return on Equity (ROE) | 7.0337% | 3,107 |
| Retained earnings to average equity (ytd only) | 2.2700% | 4,295 |
| Net charge-offs to loans | 0.0287% | 6,516 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 27.3750% | 796 |
| Efficiency ratio | 86.5973% | 1,615 |
| Assets per employee ($millions) | 2.8488% | 6,442 |
| Cash dividends to net income (ytd only)* | 67.7273% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 3,269 |
| Loan loss allowance to noncurrent loans | 9,260.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 1.6741% | 3,789 |
| Noncurrent loans to loans | 0.0182% | 7,101 |
| Net loans and leases to total assets | 72.9627% | 1,883 |
| Net loans and leases to deposits | 80.0907% | 3,158 |
| Net loans and leases to core deposits | 81.3542% | 3,998 |
| Total domestic deposits to total assets | 91.1001% | 556 |
| Equity capital to assets | 8.5867% | 5,741 |
| Core capital (leverage) ratio | 8.5221% | 5,322 |
| Tier 1 risk-based capital ratio | 10.8038% | 6,484 |
| Total risk-based capital ratio | 12.0585% | 6,443 |
| Memoranda: | ||
| Average total assets | $36,493,600 | 6,992 |
| Average earning assets | $32,396,200 | 7,003 |
| Average equity | $3,127,800 | 7,238 |
| Average total loans | $27,875,000 | 6,502 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4160% | 398 |
| Cost of funding earning assets | 1.1914% | 4,908 |
| Net interest margin | 5.2246% | 275 |
| Noninterest income to average assets | 0.3447% | 5,412 |
| Noninterest expense to average assets | 3.9715% | 1,078 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9354% | 2,474 |
| Return on assets (ROA) | 0.9388% | 2,592 |
| Pretax return on assets | 1.0084% | 3,153 |
| Return on Equity (ROE) | 10.9582% | 1,796 |
| Retained earnings to average equity (ytd only) | 4.5801% | 3,286 |
| Net charge-offs to loans | 0.0429% | 6,109 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 30.4433% | 876 |
| Efficiency ratio | 79.8084% | 2,363 |
| Assets per employee ($millions) | 2.7365% | 6,711 |
| Cash dividends to net income (ytd only)* | 58.2034% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6386% | 3,375 |
| Loan loss allowance to noncurrent loans | 5,775.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 2.2854% | 3,100 |
| Noncurrent loans to loans | 0.0284% | 7,190 |
| Net loans and leases to total assets | 77.9558% | 1,044 |
| Net loans and leases to deposits | 86.1162% | 2,312 |
| Net loans and leases to core deposits | 87.5406% | 3,439 |
| Total domestic deposits to total assets | 90.5240% | 629 |
| Equity capital to assets | 9.1022% | 5,448 |
| Core capital (leverage) ratio | 8.8478% | 4,927 |
| Tier 1 risk-based capital ratio | 10.6512% | 6,673 |
| Total risk-based capital ratio | 11.9043% | 6,660 |
| Memoranda: | ||
| Average total assets | $36,358,500 | 7,080 |
| Average earning assets | $32,231,250 | 7,090 |
| Average equity | $3,114,750 | 7,332 |
| Average total loans | $27,972,750 | 6,592 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2602% | 550 |
| Cost of funding earning assets | 1.2162% | 5,040 |
| Net interest margin | 5.0440% | 385 |
| Noninterest income to average assets | 0.3113% | 5,677 |
| Noninterest expense to average assets | 4.0087% | 1,037 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7646% | 3,124 |
| Return on assets (ROA) | 0.7646% | 3,279 |
| Pretax return on assets | 0.7646% | 4,008 |
| Return on Equity (ROE) | 9.1096% | 2,419 |
| Retained earnings to average equity (ytd only) | -0.5856% | 5,871 |
| Net charge-offs to loans | -0.0072% | 7,156 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9817% | 1,923 |
| Assets per employee ($millions) | 2.7928% | 6,583 |
| Cash dividends to net income (ytd only)* | 106.4286% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6712% | 3,178 |
| Loan loss allowance to noncurrent loans | 726.1538% | 459 |
| Noncurrent assets plus other real estate owned to assets | 2.3962% | 3,002 |
| Noncurrent loans to loans | 0.2301% | 6,779 |
| Net loans and leases to total assets | 76.4921% | 1,395 |
| Net loans and leases to deposits | 83.9287% | 2,881 |
| Net loans and leases to core deposits | 85.2660% | 3,941 |
| Total domestic deposits to total assets | 91.1394% | 434 |
| Equity capital to assets | 8.5824% | 6,042 |
| Core capital (leverage) ratio | 8.4070% | 5,569 |
| Tier 1 risk-based capital ratio | 10.3365% | 6,810 |
| Total risk-based capital ratio | 11.5912% | 6,787 |
| Memoranda: | ||
| Average total assets | $36,620,000 | 7,125 |
| Average earning assets | $32,395,000 | 7,140 |
| Average equity | $3,073,670 | 7,394 |
| Average total loans | $27,899,000 | 6,640 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2313% | 601 |
| Cost of funding earning assets | 1.2413% | 5,169 |
| Net interest margin | 4.9899% | 423 |
| Noninterest income to average assets | -0.3807% | 7,840 |
| Noninterest expense to average assets | 3.9917% | 1,049 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0435% | 6,181 |
| Return on assets (ROA) | 0.0435% | 6,291 |
| Pretax return on assets | 0.0435% | 6,274 |
| Return on Equity (ROE) | 0.5242% | 6,258 |
| Retained earnings to average equity (ytd only) | -19.0008% | 7,349 |
| Net charge-offs to loans | -0.0144% | 6,993 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9218% | 884 |
| Assets per employee ($millions) | 2.6376% | 6,970 |
| Cash dividends to net income (ytd only)* | 3,725.0000% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7657% | 2,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6512% | 2,747 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 71.1133% | 2,670 |
| Net loans and leases to deposits | 77.6074% | 4,111 |
| Net loans and leases to core deposits | 78.8163% | 4,919 |
| Total domestic deposits to total assets | 91.6321% | 338 |
| Equity capital to assets | 8.0808% | 6,568 |
| Core capital (leverage) ratio | 7.7949% | 6,513 |
| Tier 1 risk-based capital ratio | 10.0221% | 7,019 |
| Total risk-based capital ratio | 11.2779% | 7,003 |
| Memoranda: | ||
| Average total assets | $36,776,500 | 7,206 |
| Average earning assets | $32,545,500 | 7,218 |
| Average equity | $3,052,500 | 7,480 |
| Average total loans | $27,726,500 | 6,736 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4781% | 706 |
| Cost of funding earning assets | 1.6659% | 4,694 |
| Net interest margin | 4.8122% | 675 |
| Noninterest income to average assets | -0.4008% | 7,924 |
| Noninterest expense to average assets | 4.3869% | 886 |
| Loan and lease loss provision to assets | 0.5343% | 3,700 |
| Net operating income to assets | -1.0927% | 6,639 |
| Return on assets (ROA) | -1.0927% | 6,641 |
| Pretax return on assets | -1.0927% | 6,470 |
| Return on Equity (ROE) | -12.9742% | 6,826 |
| Retained earnings to average equity (ytd only) | -15.1948% | 6,897 |
| Net charge-offs to loans | 2.4704% | 932 |
| Credit loss provision to net charge-offs | 29.7177% | 6,898 |
| Earnings coverage of net charge-offs (x) | -0.3105% | 6,558 |
| Efficiency ratio | 114.5848% | 696 |
| Assets per employee ($millions) | 2.6161% | 7,012 |
| Cash dividends to net income (ytd only)* | -17.1149% | 7,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6399% | 3,124 |
| Loan loss allowance to noncurrent loans | 1,385.2941% | 278 |
| Noncurrent assets plus other real estate owned to assets | 2.9078% | 2,411 |
| Noncurrent loans to loans | 0.1184% | 7,122 |
| Net loans and leases to total assets | 77.1310% | 1,560 |
| Net loans and leases to deposits | 84.7203% | 3,138 |
| Net loans and leases to core deposits | 97.7002% | 4,258 |
| Total domestic deposits to total assets | 91.0419% | 520 |
| Equity capital to assets | 8.5213% | 5,849 |
| Core capital (leverage) ratio | 8.5153% | 5,256 |
| Tier 1 risk-based capital ratio | 9.9433% | 6,924 |
| Total risk-based capital ratio | 11.1955% | 6,897 |
| Memoranda: | ||
| Average total assets | $37,429,800 | 7,191 |
| Average earning assets | $32,895,400 | 7,234 |
| Average equity | $3,152,400 | 7,545 |
| Average total loans | $27,242,200 | 6,788 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4811% | 785 |
| Cost of funding earning assets | 1.7540% | 4,619 |
| Net interest margin | 4.7271% | 795 |
| Noninterest income to average assets | 0.4004% | 5,281 |
| Noninterest expense to average assets | 4.3013% | 911 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.2480% | 4,997 |
| Return on assets (ROA) | 0.2480% | 5,081 |
| Pretax return on assets | 0.2622% | 5,162 |
| Return on Equity (ROE) | 2.9532% | 4,817 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,202 |
| Net charge-offs to loans | 2.3766% | 777 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 0.1545% | 5,876 |
| Efficiency ratio | 94.2547% | 1,384 |
| Assets per employee ($millions) | 2.6439% | 6,957 |
| Cash dividends to net income (ytd only)* | 100.0000% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6899% | 2,670 |
| Loan loss allowance to noncurrent loans | 126.3587% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 4.5361% | 1,337 |
| Noncurrent loans to loans | 1.3374% | 4,699 |
| Net loans and leases to total assets | 73.0832% | 2,768 |
| Net loans and leases to deposits | 80.4347% | 4,312 |
| Net loans and leases to core deposits | 90.5321% | 5,386 |
| Total domestic deposits to total assets | 90.8602% | 463 |
| Equity capital to assets | 8.6697% | 6,005 |
| Core capital (leverage) ratio | 8.4078% | 5,656 |
| Tier 1 risk-based capital ratio | 10.2100% | 6,775 |
| Total risk-based capital ratio | 11.4629% | 6,708 |
| Memoranda: | ||
| Average total assets | $37,630,750 | 7,246 |
| Average earning assets | $33,141,750 | 7,282 |
| Average equity | $3,160,250 | 7,614 |
| Average total loans | $26,872,500 | 6,859 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4196% | 967 |
| Cost of funding earning assets | 1.8239% | 4,643 |
| Net interest margin | 4.5957% | 961 |
| Noninterest income to average assets | 0.3859% | 5,413 |
| Noninterest expense to average assets | 4.3292% | 913 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1057% | 5,546 |
| Return on assets (ROA) | 0.1057% | 5,647 |
| Pretax return on assets | 0.1057% | 5,661 |
| Return on Equity (ROE) | 1.2723% | 5,548 |
| Retained earnings to average equity (ytd only) | -3.1807% | 6,001 |
| Net charge-offs to loans | 3.5637% | 435 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.0421% | 5,634 |
| Efficiency ratio | 97.6162% | 1,286 |
| Assets per employee ($millions) | 2.5279% | 7,199 |
| Cash dividends to net income (ytd only)* | 350.0000% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7182% | 2,277 |
| Loan loss allowance to noncurrent loans | 3,908.3333% | 122 |
| Noncurrent assets plus other real estate owned to assets | 3.4495% | 1,804 |
| Noncurrent loans to loans | 0.0440% | 7,430 |
| Net loans and leases to total assets | 70.7482% | 3,522 |
| Net loans and leases to deposits | 77.3871% | 4,958 |
| Net loans and leases to core deposits | 87.3986% | 5,775 |
| Total domestic deposits to total assets | 91.4212% | 335 |
| Equity capital to assets | 8.2043% | 6,484 |
| Core capital (leverage) ratio | 8.1500% | 6,076 |
| Tier 1 risk-based capital ratio | 9.8746% | 7,061 |
| Total risk-based capital ratio | 11.1283% | 6,994 |
| Memoranda: | ||
| Average total assets | $37,836,330 | 7,297 |
| Average earning assets | $33,335,330 | 7,347 |
| Average equity | $3,144,000 | 7,686 |
| Average total loans | $26,658,000 | 6,934 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3293% | 1,221 |
| Cost of funding earning assets | 1.9132% | 4,563 |
| Net interest margin | 4.4161% | 1,309 |
| Noninterest income to average assets | 0.3281% | 5,825 |
| Noninterest expense to average assets | 4.2334% | 903 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0212% | 6,291 |
| Return on assets (ROA) | -0.0212% | 6,422 |
| Pretax return on assets | -0.0212% | 6,403 |
| Return on Equity (ROE) | -0.2531% | 6,440 |
| Retained earnings to average equity (ytd only) | -9.1125% | 7,024 |
| Net charge-offs to loans | -0.1367% | 7,952 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5025% | 1,111 |
| Assets per employee ($millions) | 2.7847% | 6,684 |
| Cash dividends to net income (ytd only)* | -3,500.0000% | 8,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6334% | 288 |
| Loan loss allowance to noncurrent loans | 102.6940% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 5.0557% | 892 |
| Noncurrent loans to loans | 3.5381% | 1,790 |
| Net loans and leases to total assets | 64.8335% | 4,834 |
| Net loans and leases to deposits | 70.8368% | 5,890 |
| Net loans and leases to core deposits | 80.0152% | 6,381 |
| Total domestic deposits to total assets | 91.5252% | 270 |
| Equity capital to assets | 8.0080% | 6,796 |
| Core capital (leverage) ratio | 8.0109% | 6,430 |
| Tier 1 risk-based capital ratio | 10.0272% | 6,885 |
| Total risk-based capital ratio | 11.2964% | 6,776 |
| Memoranda: | ||
| Average total assets | $37,795,000 | 7,340 |
| Average earning assets | $33,242,000 | 7,398 |
| Average equity | $3,160,500 | 7,735 |
| Average total loans | $26,339,000 | 6,990 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1678% | 792 |
| Cost of funding earning assets | 2.7208% | 3,062 |
| Net interest margin | 4.4469% | 1,546 |
| Noninterest income to average assets | -0.3724% | 8,257 |
| Noninterest expense to average assets | 4.3089% | 1,037 |
| Loan and lease loss provision to assets | 1.4621% | 929 |
| Net operating income to assets | -1.8745% | 7,576 |
| Return on assets (ROA) | -1.8745% | 7,530 |
| Pretax return on assets | -2.1770% | 7,497 |
| Return on Equity (ROE) | -22.0407% | 7,800 |
| Retained earnings to average equity (ytd only) | -24.3917% | 7,793 |
| Net charge-offs to loans | 3.7635% | 200 |
| Credit loss provision to net charge-offs | 55.4502% | 6,283 |
| Earnings coverage of net charge-offs (x) | -0.2711% | 6,405 |
| Efficiency ratio | 119.8887% | 575 |
| Assets per employee ($millions) | 2.6146% | 6,974 |
| Cash dividends to net income (ytd only)* | -10.6667% | 7,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5691% | 264 |
| Loan loss allowance to noncurrent loans | 119.1919% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 5.0678% | 677 |
| Noncurrent loans to loans | 2.9944% | 1,790 |
| Net loans and leases to total assets | 69.6782% | 4,093 |
| Net loans and leases to deposits | 76.7437% | 5,504 |
| Net loans and leases to core deposits | 87.5077% | 6,022 |
| Total domestic deposits to total assets | 90.7934% | 391 |
| Equity capital to assets | 8.7395% | 5,751 |
| Core capital (leverage) ratio | 8.2122% | 6,145 |
| Tier 1 risk-based capital ratio | 10.5312% | 6,178 |
| Total risk-based capital ratio | 11.8069% | 6,052 |
| Memoranda: | ||
| Average total assets | $40,010,000 | 7,211 |
| Average earning assets | $35,687,400 | 7,255 |
| Average equity | $3,402,800 | 7,720 |
| Average total loans | $28,032,400 | 6,843 |