Home > Exchange State Bank > Performance and Condition Ratios
Exchange State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6343% | 2,817 |
| Cost of funding earning assets | 1.5070% | 1,924 |
| Net interest margin | 3.1273% | 3,033 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.2191% | 3,076 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1194% | 1,861 |
| Return on assets (ROA) | 1.0568% | 2,012 |
| Pretax return on assets | 1.1535% | 2,251 |
| Return on Equity (ROE) | 13.6600% | 1,568 |
| Retained earnings to average equity (ytd only) | 8.1505% | 1,489 |
| 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 | 64.4967% | 2,546 |
| Assets per employee ($millions) | 9.4350% | 851 |
| Cash dividends to net income (ytd only)* | 40.3361% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 2,420 |
| Loan loss allowance to noncurrent loans | 1,152.6316% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 3,220 |
| Noncurrent loans to loans | 0.1022% | 3,030 |
| Net loans and leases to total assets | 53.1000% | 3,409 |
| Net loans and leases to deposits | 62.9449% | 3,351 |
| Net loans and leases to core deposits | 72.4253% | 3,165 |
| Total domestic deposits to total assets | 84.3600% | 2,514 |
| Equity capital to assets | 8.2690% | 3,227 |
| Core capital (leverage) ratio | 12.2986% | 1,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $101,345,200 | 3,823 |
| Average earning assets | $95,353,800 | 3,786 |
| Average equity | $7,840,000 | 3,948 |
| Average total loans | $49,901,600 | 3,845 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4455% | 3,012 |
| Cost of funding earning assets | 1.2888% | 2,177 |
| Net interest margin | 3.1567% | 3,014 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.0277% | 3,522 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3968% | 1,323 |
| Return on assets (ROA) | 1.4387% | 1,219 |
| Pretax return on assets | 1.4983% | 1,557 |
| Return on Equity (ROE) | 18.9300% | 826 |
| Retained earnings to average equity (ytd only) | 13.8129% | 697 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.2288% | 3,178 |
| Assets per employee ($millions) | 9.0770% | 903 |
| Cash dividends to net income (ytd only)* | 27.0469% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 1,999 |
| Loan loss allowance to noncurrent loans | 1,132.7586% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 3,234 |
| Noncurrent loans to loans | 0.1124% | 3,013 |
| Net loans and leases to total assets | 51.0300% | 3,552 |
| Net loans and leases to deposits | 60.5574% | 3,476 |
| Net loans and leases to core deposits | 70.2810% | 3,195 |
| Total domestic deposits to total assets | 84.2700% | 2,696 |
| Equity capital to assets | 7.6988% | 3,246 |
| Core capital (leverage) ratio | 12.8814% | 1,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $100,735,250 | 3,841 |
| Average earning assets | $95,074,750 | 3,807 |
| Average equity | $7,654,500 | 3,975 |
| Average total loans | $48,434,750 | 3,872 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2900% | 3,118 |
| Cost of funding earning assets | 1.1219% | 2,214 |
| Net interest margin | 3.1681% | 3,064 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.0192% | 3,549 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4081% | 1,308 |
| Return on assets (ROA) | 1.4708% | 1,149 |
| Pretax return on assets | 1.5302% | 1,538 |
| Return on Equity (ROE) | 19.4400% | 776 |
| Retained earnings to average equity (ytd only) | 14.6265% | 608 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.9545% | 3,198 |
| Assets per employee ($millions) | 8.3855% | 1,146 |
| Cash dividends to net income (ytd only)* | 24.7645% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 1,637 |
| Loan loss allowance to noncurrent loans | 1,132.7586% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 3,191 |
| Noncurrent loans to loans | 0.1210% | 2,873 |
| Net loans and leases to total assets | 47.0000% | 3,740 |
| Net loans and leases to deposits | 53.0417% | 3,793 |
| Net loans and leases to core deposits | 59.8108% | 3,641 |
| Total domestic deposits to total assets | 88.6100% | 1,373 |
| Equity capital to assets | 7.9582% | 3,243 |
| Core capital (leverage) ratio | 12.8385% | 1,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $101,031,333 | 3,855 |
| Average earning assets | $95,198,667 | 3,822 |
| Average equity | $7,643,667 | 3,994 |
| Average total loans | $47,376,333 | 3,895 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1424% | 3,155 |
| Cost of funding earning assets | 0.9717% | 2,148 |
| Net interest margin | 3.1707% | 3,188 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 1.9796% | 3,669 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4474% | 1,293 |
| Return on assets (ROA) | 1.5726% | 1,029 |
| Pretax return on assets | 1.6319% | 1,394 |
| Return on Equity (ROE) | 21.3400% | 634 |
| Retained earnings to average equity (ytd only) | 17.6908% | 541 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.8672% | 3,316 |
| Assets per employee ($millions) | 8.2171% | 1,240 |
| Cash dividends to net income (ytd only)* | 17.0854% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 1,514 |
| Loan loss allowance to noncurrent loans | 1,113.5593% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 2,774 |
| Noncurrent loans to loans | 0.1280% | 2,872 |
| Net loans and leases to total assets | 46.0800% | 3,773 |
| Net loans and leases to deposits | 52.0987% | 3,788 |
| Net loans and leases to core deposits | 58.1312% | 3,623 |
| Total domestic deposits to total assets | 88.4500% | 1,759 |
| Equity capital to assets | 8.0209% | 3,227 |
| Core capital (leverage) ratio | 12.4929% | 1,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $101,234,000 | 3,901 |
| Average earning assets | $95,499,500 | 3,867 |
| Average equity | $7,461,500 | 4,068 |
| Average total loans | $47,089,500 | 3,941 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2194% | 3,784 |
| Cost of funding earning assets | 0.5282% | 1,221 |
| Net interest margin | 2.6912% | 4,066 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.2819% | 2,801 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7642% | 3,443 |
| Return on assets (ROA) | 0.6828% | 3,616 |
| Pretax return on assets | 0.7363% | 3,778 |
| Return on Equity (ROE) | 8.0300% | 3,384 |
| Retained earnings to average equity (ytd only) | -0.4690% | 4,397 |
| Net charge-offs to loans | 0.0798% | 852 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 24.2000% | 1,800 |
| Efficiency ratio | 73.4732% | 1,270 |
| Assets per employee ($millions) | 8.6553% | 1,034 |
| Cash dividends to net income (ytd only)* | 105.8405% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3664% | 1,619 |
| Loan loss allowance to noncurrent loans | 1,113.5593% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1021% | 2,827 |
| Noncurrent loans to loans | 0.1227% | 2,905 |
| Net loans and leases to total assets | 45.6600% | 3,820 |
| Net loans and leases to deposits | 53.3783% | 3,712 |
| Net loans and leases to core deposits | 58.7627% | 3,567 |
| Total domestic deposits to total assets | 85.5400% | 2,845 |
| Equity capital to assets | 6.7531% | 3,788 |
| Core capital (leverage) ratio | 11.7781% | 1,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $102,808,200 | 3,903 |
| Average earning assets | $97,874,800 | 3,857 |
| Average equity | $8,741,600 | 4,018 |
| Average total loans | $43,841,000 | 3,993 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9681% | 3,943 |
| Cost of funding earning assets | 0.4078% | 1,234 |
| Net interest margin | 2.5603% | 4,151 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.1233% | 3,150 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8086% | 3,226 |
| Return on assets (ROA) | 0.7021% | 3,521 |
| Pretax return on assets | 0.7606% | 3,668 |
| Return on Equity (ROE) | 7.8500% | 3,371 |
| Retained earnings to average equity (ytd only) | -2.3982% | 4,510 |
| Net charge-offs to loans | 0.1091% | 571 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 19.2571% | 1,729 |
| Efficiency ratio | 70.7846% | 1,672 |
| Assets per employee ($millions) | 8.4333% | 1,106 |
| Cash dividends to net income (ytd only)* | 130.5556% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 1,365 |
| Loan loss allowance to noncurrent loans | 5,053.8462% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 3,841 |
| Noncurrent loans to loans | 0.0292% | 3,686 |
| Net loans and leases to total assets | 43.3000% | 3,919 |
| Net loans and leases to deposits | 49.3485% | 3,893 |
| Net loans and leases to core deposits | 55.0803% | 3,682 |
| Total domestic deposits to total assets | 87.7400% | 2,506 |
| Equity capital to assets | 6.7679% | 3,630 |
| Core capital (leverage) ratio | 11.5727% | 1,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $102,544,500 | 3,931 |
| Average earning assets | $97,747,500 | 3,879 |
| Average equity | $9,173,500 | 4,016 |
| Average total loans | $42,780,750 | 4,039 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7402% | 4,086 |
| Cost of funding earning assets | 0.3649% | 1,155 |
| Net interest margin | 2.3752% | 4,255 |
| Noninterest income to average assets | 0.5534% | 1,932 |
| Noninterest expense to average assets | 2.0370% | 3,331 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7204% | 3,239 |
| Return on assets (ROA) | 0.7204% | 3,188 |
| Pretax return on assets | 0.7787% | 3,379 |
| Return on Equity (ROE) | 7.4585% | 3,173 |
| Retained earnings to average equity (ytd only) | -5.8703% | 4,566 |
| Net charge-offs to loans | 0.1658% | 378 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 11.4571% | 1,730 |
| Efficiency ratio | 72.3448% | 1,704 |
| Assets per employee ($millions) | 8.3374% | 1,140 |
| Cash dividends to net income (ytd only)* | 178.7062% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5843% | 1,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 40.7930% | 4,038 |
| Net loans and leases to deposits | 47.0239% | 3,982 |
| Net loans and leases to core deposits | 49.2833% | 3,968 |
| Total domestic deposits to total assets | 86.7495% | 3,021 |
| Equity capital to assets | 7.4284% | 3,514 |
| Core capital (leverage) ratio | 11.7884% | 1,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,993,000 | 3,961 |
| Average earning assets | $98,096,333 | 3,929 |
| Average equity | $9,948,333 | 3,997 |
| Average total loans | $42,216,000 | 4,102 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6485% | 4,037 |
| Cost of funding earning assets | 0.3486% | 1,216 |
| Net interest margin | 2.2999% | 4,238 |
| Noninterest income to average assets | 0.5820% | 1,770 |
| Noninterest expense to average assets | 1.9490% | 3,555 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7735% | 2,753 |
| Return on assets (ROA) | 0.7735% | 2,747 |
| Pretax return on assets | 0.8309% | 3,011 |
| Return on Equity (ROE) | 7.2101% | 2,975 |
| Retained earnings to average equity (ytd only) | -14.2060% | 4,634 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1102% | 2,212 |
| Assets per employee ($millions) | 7.1682% | 1,877 |
| Cash dividends to net income (ytd only)* | 297.0297% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6578% | 1,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 2,500 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 40.8460% | 3,955 |
| Net loans and leases to deposits | 48.8046% | 3,829 |
| Net loans and leases to core deposits | 50.2834% | 3,855 |
| Total domestic deposits to total assets | 83.6929% | 3,827 |
| Equity capital to assets | 9.7275% | 2,106 |
| Core capital (leverage) ratio | 11.1181% | 1,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,465,000 | 3,970 |
| Average earning assets | $99,830,000 | 3,935 |
| Average equity | $11,206,500 | 3,937 |
| Average total loans | $42,589,000 | 4,110 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6543% | 4,352 |
| Cost of funding earning assets | 0.4500% | 1,201 |
| Net interest margin | 2.2043% | 4,484 |
| Noninterest income to average assets | 0.9371% | 1,123 |
| Noninterest expense to average assets | 2.2663% | 2,895 |
| Loan and lease loss provision to assets | 0.0945% | 1,326 |
| Net operating income to assets | 0.6344% | 3,795 |
| Return on assets (ROA) | 0.9834% | 2,807 |
| Pretax return on assets | 1.0486% | 3,129 |
| Return on Equity (ROE) | 7.9830% | 3,225 |
| Retained earnings to average equity (ytd only) | 2.0245% | 3,972 |
| Net charge-offs to loans | 0.1198% | 755 |
| Credit loss provision to net charge-offs | 200.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 16.3400% | 1,979 |
| Efficiency ratio | 74.5958% | 1,242 |
| Assets per employee ($millions) | 7.7554% | 1,462 |
| Cash dividends to net income (ytd only)* | 74.6398% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5910% | 1,284 |
| Loan loss allowance to noncurrent loans | 366.1376% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 2,718 |
| Noncurrent loans to loans | 0.4345% | 2,051 |
| Net loans and leases to total assets | 39.4234% | 4,124 |
| Net loans and leases to deposits | 50.8669% | 3,824 |
| Net loans and leases to core deposits | 52.3987% | 3,863 |
| Total domestic deposits to total assets | 77.5031% | 4,433 |
| Equity capital to assets | 11.6519% | 1,422 |
| Core capital (leverage) ratio | 11.3518% | 1,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,854,000 | 3,935 |
| Average earning assets | $100,893,000 | 3,899 |
| Average equity | $13,040,200 | 3,828 |
| Average total loans | $41,737,000 | 4,150 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6926% | 4,414 |
| Cost of funding earning assets | 0.4550% | 1,320 |
| Net interest margin | 2.2376% | 4,540 |
| Noninterest income to average assets | 1.0522% | 986 |
| Noninterest expense to average assets | 2.0917% | 3,392 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0749% | 2,639 |
| Return on assets (ROA) | 1.5682% | 1,156 |
| Pretax return on assets | 1.5910% | 1,733 |
| Return on Equity (ROE) | 12.5541% | 1,847 |
| Retained earnings to average equity (ytd only) | 5.2165% | 3,136 |
| Net charge-offs to loans | -0.4681% | 4,837 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6847% | 2,145 |
| Assets per employee ($millions) | 7.6365% | 1,480 |
| Cash dividends to net income (ytd only)* | 58.4479% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0003% | 629 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 36.0646% | 4,385 |
| Net loans and leases to deposits | 44.4779% | 4,295 |
| Net loans and leases to core deposits | 47.1144% | 4,278 |
| Total domestic deposits to total assets | 81.0843% | 4,081 |
| Equity capital to assets | 12.4505% | 1,195 |
| Core capital (leverage) ratio | 11.3619% | 1,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,173,750 | 3,995 |
| Average earning assets | $100,221,750 | 3,955 |
| Average equity | $13,137,500 | 3,871 |
| Average total loans | $41,297,250 | 4,211 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7229% | 4,431 |
| Cost of funding earning assets | 0.4652% | 1,415 |
| Net interest margin | 2.2577% | 4,559 |
| Noninterest income to average assets | 1.2161% | 785 |
| Noninterest expense to average assets | 2.0230% | 3,626 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3212% | 1,800 |
| Return on assets (ROA) | 2.0709% | 450 |
| Pretax return on assets | 2.0938% | 690 |
| Return on Equity (ROE) | 16.5601% | 848 |
| Retained earnings to average equity (ytd only) | 6.6515% | 2,562 |
| Net charge-offs to loans | -0.6913% | 4,883 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2163% | 2,991 |
| Assets per employee ($millions) | 7.1453% | 1,695 |
| Cash dividends to net income (ytd only)* | 59.8338% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9200% | 704 |
| 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 | 37.5098% | 4,408 |
| Net loans and leases to deposits | 46.1313% | 4,304 |
| Net loans and leases to core deposits | 48.8452% | 4,288 |
| Total domestic deposits to total assets | 81.3109% | 4,043 |
| Equity capital to assets | 12.2812% | 1,230 |
| Core capital (leverage) ratio | 11.5926% | 1,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,594,667 | 4,019 |
| Average earning assets | $99,304,333 | 3,981 |
| Average equity | $13,079,667 | 3,886 |
| Average total loans | $41,948,333 | 4,232 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7282% | 4,448 |
| Cost of funding earning assets | 0.4798% | 1,520 |
| Net interest margin | 2.2484% | 4,568 |
| Noninterest income to average assets | 1.4753% | 618 |
| Noninterest expense to average assets | 2.0174% | 3,665 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5913% | 1,143 |
| Return on assets (ROA) | 3.1093% | 157 |
| Pretax return on assets | 3.1326% | 208 |
| Return on Equity (ROE) | 24.6357% | 272 |
| Retained earnings to average equity (ytd only) | 8.5289% | 2,085 |
| Net charge-offs to loans | -1.3670% | 4,922 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7816% | 3,570 |
| Assets per employee ($millions) | 6.9026% | 1,863 |
| Cash dividends to net income (ytd only)* | 65.3798% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9491% | 667 |
| Loan loss allowance to noncurrent loans | 219.8324% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 2,417 |
| Noncurrent loans to loans | 0.8866% | 1,527 |
| Net loans and leases to total assets | 38.2378% | 4,413 |
| Net loans and leases to deposits | 46.9700% | 4,306 |
| Net loans and leases to core deposits | 49.6091% | 4,315 |
| Total domestic deposits to total assets | 81.4089% | 4,000 |
| Equity capital to assets | 12.0071% | 1,277 |
| Core capital (leverage) ratio | 11.4919% | 1,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,302,000 | 4,035 |
| Average earning assets | $98,381,000 | 3,996 |
| Average equity | $13,038,000 | 3,901 |
| Average total loans | $42,427,500 | 4,248 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2769% | 4,363 |
| Cost of funding earning assets | 0.7707% | 1,343 |
| Net interest margin | 2.5062% | 4,583 |
| Noninterest income to average assets | 1.0827% | 911 |
| Noninterest expense to average assets | 2.4246% | 3,075 |
| Loan and lease loss provision to assets | 0.2967% | 1,270 |
| Net operating income to assets | 0.7174% | 3,372 |
| Return on assets (ROA) | 1.5897% | 714 |
| Pretax return on assets | 1.6178% | 1,039 |
| Return on Equity (ROE) | 11.8914% | 1,350 |
| Retained earnings to average equity (ytd only) | 7.9198% | 1,075 |
| Net charge-offs to loans | 0.3323% | 532 |
| Credit loss provision to net charge-offs | 196.5517% | 2,177 |
| Earnings coverage of net charge-offs (x) | 6.7862% | 2,747 |
| Efficiency ratio | 70.2988% | 1,909 |
| Assets per employee ($millions) | 6.4416% | 1,961 |
| Cash dividends to net income (ytd only)* | 33.3988% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4434% | 1,802 |
| Loan loss allowance to noncurrent loans | 116.0940% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.5366% | 1,952 |
| Noncurrent loans to loans | 1.2433% | 1,108 |
| Net loans and leases to total assets | 42.5314% | 4,322 |
| Net loans and leases to deposits | 54.4385% | 4,090 |
| Net loans and leases to core deposits | 58.0243% | 4,051 |
| Total domestic deposits to total assets | 78.1274% | 4,305 |
| Equity capital to assets | 13.2382% | 1,015 |
| Core capital (leverage) ratio | 11.4882% | 1,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,058,400 | 4,041 |
| Average earning assets | $90,696,200 | 4,020 |
| Average equity | $12,841,200 | 3,876 |
| Average total loans | $43,641,000 | 4,239 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4000% | 4,348 |
| Cost of funding earning assets | 0.8515% | 1,253 |
| Net interest margin | 2.5485% | 4,618 |
| Noninterest income to average assets | 0.9727% | 1,077 |
| Noninterest expense to average assets | 2.1801% | 3,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1884% | 1,678 |
| Return on assets (ROA) | 2.3851% | 171 |
| Pretax return on assets | 2.4006% | 245 |
| Return on Equity (ROE) | 17.7942% | 378 |
| Retained earnings to average equity (ytd only) | 13.8599% | 260 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6541% | 2,640 |
| Assets per employee ($millions) | 6.7877% | 1,629 |
| Cash dividends to net income (ytd only)* | 22.1103% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 2,875 |
| Loan loss allowance to noncurrent loans | 71.6120% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 0.6885% | 1,687 |
| Noncurrent loans to loans | 1.6237% | 866 |
| Net loans and leases to total assets | 41.9109% | 4,505 |
| Net loans and leases to deposits | 52.1032% | 4,410 |
| Net loans and leases to core deposits | 57.5056% | 4,320 |
| Total domestic deposits to total assets | 80.4382% | 3,776 |
| Equity capital to assets | 13.6943% | 943 |
| Core capital (leverage) ratio | 11.9672% | 1,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,306,750 | 4,067 |
| Average earning assets | $88,782,250 | 4,043 |
| Average equity | $12,640,500 | 3,906 |
| Average total loans | $43,432,000 | 4,268 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5516% | 4,349 |
| Cost of funding earning assets | 0.9488% | 1,154 |
| Net interest margin | 2.6028% | 4,652 |
| Noninterest income to average assets | 1.0087% | 969 |
| Noninterest expense to average assets | 2.1873% | 3,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2630% | 1,456 |
| Return on assets (ROA) | 2.5053% | 151 |
| Pretax return on assets | 2.5206% | 207 |
| Return on Equity (ROE) | 18.8427% | 316 |
| Retained earnings to average equity (ytd only) | 13.9927% | 277 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3438% | 2,906 |
| Assets per employee ($millions) | 7.0216% | 1,423 |
| Cash dividends to net income (ytd only)* | 25.7391% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1382% | 2,835 |
| Loan loss allowance to noncurrent loans | 134.5845% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 2,779 |
| Noncurrent loans to loans | 0.8457% | 1,799 |
| Net loans and leases to total assets | 44.3557% | 4,435 |
| Net loans and leases to deposits | 55.3450% | 4,322 |
| Net loans and leases to core deposits | 63.3313% | 4,111 |
| Total domestic deposits to total assets | 80.1440% | 3,804 |
| Equity capital to assets | 13.7605% | 907 |
| Core capital (leverage) ratio | 12.4320% | 1,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,803,667 | 4,100 |
| Average earning assets | $86,214,667 | 4,073 |
| Average equity | $12,206,333 | 3,962 |
| Average total loans | $43,518,000 | 4,278 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8530% | 4,124 |
| Cost of funding earning assets | 1.0827% | 1,101 |
| Net interest margin | 2.7702% | 4,598 |
| Noninterest income to average assets | 0.5872% | 2,097 |
| Noninterest expense to average assets | 2.2811% | 3,815 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8537% | 2,691 |
| Return on assets (ROA) | 0.8537% | 2,790 |
| Pretax return on assets | 0.8718% | 3,217 |
| Return on Equity (ROE) | 6.5477% | 3,119 |
| Retained earnings to average equity (ytd only) | -1.0740% | 4,151 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3496% | 2,032 |
| Assets per employee ($millions) | 6.1701% | 1,543 |
| Cash dividends to net income (ytd only)* | 116.4021% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 2,581 |
| Loan loss allowance to noncurrent loans | 132.8042% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 2,712 |
| Noncurrent loans to loans | 0.9152% | 1,788 |
| Net loans and leases to total assets | 47.2315% | 4,376 |
| Net loans and leases to deposits | 55.8814% | 4,372 |
| Net loans and leases to core deposits | 67.7645% | 4,000 |
| Total domestic deposits to total assets | 84.5209% | 2,592 |
| Equity capital to assets | 13.1580% | 1,359 |
| Core capital (leverage) ratio | 12.0357% | 1,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,554,000 | 4,147 |
| Average earning assets | $82,015,000 | 4,140 |
| Average equity | $11,546,000 | 4,060 |
| Average total loans | $43,224,500 | 4,295 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9140% | 4,408 |
| Cost of funding earning assets | 0.9651% | 1,883 |
| Net interest margin | 2.9489% | 4,580 |
| Noninterest income to average assets | 0.5311% | 2,574 |
| Noninterest expense to average assets | 2.3972% | 3,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8962% | 3,220 |
| Return on assets (ROA) | 1.2329% | 2,025 |
| Pretax return on assets | 1.2531% | 2,658 |
| Return on Equity (ROE) | 9.8274% | 2,375 |
| Retained earnings to average equity (ytd only) | 7.2856% | 1,261 |
| Net charge-offs to loans | 0.5314% | 348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 3.5371% | 3,313 |
| Efficiency ratio | 72.4958% | 1,794 |
| Assets per employee ($millions) | 6.4805% | 1,300 |
| Cash dividends to net income (ytd only)* | 25.8652% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 2,879 |
| Loan loss allowance to noncurrent loans | 131.0705% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 2,707 |
| Noncurrent loans to loans | 0.8483% | 1,817 |
| Net loans and leases to total assets | 49.2092% | 4,361 |
| Net loans and leases to deposits | 57.9999% | 4,373 |
| Net loans and leases to core deposits | 69.6158% | 3,982 |
| Total domestic deposits to total assets | 84.8435% | 2,556 |
| Equity capital to assets | 12.9245% | 1,568 |
| Core capital (leverage) ratio | 11.8825% | 1,856 |
| Tier 1 risk-based capital ratio | 20.0157% | 1,325 |
| Total risk-based capital ratio | 20.9562% | 1,342 |
| Memoranda: | ||
| Average total assets | $89,060,600 | 4,161 |
| Average earning assets | $83,826,800 | 4,129 |
| Average equity | $11,172,800 | 4,095 |
| Average total loans | $43,094,800 | 4,331 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8944% | 4,549 |
| Cost of funding earning assets | 0.9493% | 1,994 |
| Net interest margin | 2.9451% | 4,702 |
| Noninterest income to average assets | 0.5084% | 2,676 |
| Noninterest expense to average assets | 2.3238% | 3,885 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9522% | 3,158 |
| Return on assets (ROA) | 1.4078% | 1,506 |
| Pretax return on assets | 1.4259% | 2,205 |
| Return on Equity (ROE) | 11.3097% | 1,891 |
| Retained earnings to average equity (ytd only) | 8.6998% | 1,134 |
| Net charge-offs to loans | 0.1346% | 1,190 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 14.9308% | 2,225 |
| Efficiency ratio | 70.6447% | 2,030 |
| Assets per employee ($millions) | 6.5349% | 1,256 |
| Cash dividends to net income (ytd only)* | 23.0767% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 1,008 |
| Loan loss allowance to noncurrent loans | 176.8638% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.4624% | 2,677 |
| Noncurrent loans to loans | 0.9011% | 1,777 |
| Net loans and leases to total assets | 46.4329% | 4,583 |
| Net loans and leases to deposits | 54.7640% | 4,601 |
| Net loans and leases to core deposits | 65.7204% | 4,293 |
| Total domestic deposits to total assets | 84.7872% | 2,508 |
| Equity capital to assets | 12.9622% | 1,650 |
| Core capital (leverage) ratio | 11.7354% | 2,053 |
| Tier 1 risk-based capital ratio | 19.7807% | 1,407 |
| Total risk-based capital ratio | 21.0303% | 1,368 |
| Memoranda: | ||
| Average total assets | $88,644,000 | 4,219 |
| Average earning assets | $83,707,500 | 4,182 |
| Average equity | $11,034,500 | 4,154 |
| Average total loans | $42,581,500 | 4,402 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8609% | 4,624 |
| Cost of funding earning assets | 0.9296% | 2,013 |
| Net interest margin | 2.9313% | 4,780 |
| Noninterest income to average assets | 0.4630% | 2,893 |
| Noninterest expense to average assets | 2.3331% | 3,919 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8871% | 3,334 |
| Return on assets (ROA) | 1.5599% | 1,033 |
| Pretax return on assets | 1.5782% | 1,614 |
| Return on Equity (ROE) | 12.7141% | 1,332 |
| Retained earnings to average equity (ytd only) | 9.8144% | 814 |
| Net charge-offs to loans | 0.2029% | 815 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 9.1628% | 2,354 |
| Efficiency ratio | 72.1948% | 1,891 |
| Assets per employee ($millions) | 6.5118% | 1,231 |
| Cash dividends to net income (ytd only)* | 22.8070% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6337% | 956 |
| Loan loss allowance to noncurrent loans | 174.1772% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.4706% | 2,652 |
| Noncurrent loans to loans | 0.9380% | 1,737 |
| Net loans and leases to total assets | 45.4385% | 4,660 |
| Net loans and leases to deposits | 53.3326% | 4,706 |
| Net loans and leases to core deposits | 61.1424% | 4,535 |
| Total domestic deposits to total assets | 85.1983% | 2,388 |
| Equity capital to assets | 12.5947% | 1,803 |
| Core capital (leverage) ratio | 12.0806% | 1,772 |
| Tier 1 risk-based capital ratio | 20.1781% | 1,314 |
| Total risk-based capital ratio | 21.4298% | 1,288 |
| Memoranda: | ||
| Average total assets | $87,695,670 | 4,254 |
| Average earning assets | $82,829,670 | 4,224 |
| Average equity | $10,759,670 | 4,204 |
| Average total loans | $42,385,670 | 4,437 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8961% | 4,556 |
| Cost of funding earning assets | 0.9150% | 1,936 |
| Net interest margin | 2.9811% | 4,780 |
| Noninterest income to average assets | 0.3816% | 3,315 |
| Noninterest expense to average assets | 2.2568% | 4,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9260% | 3,137 |
| Return on assets (ROA) | 0.9260% | 3,172 |
| Pretax return on assets | 0.9446% | 3,632 |
| Return on Equity (ROE) | 7.6550% | 3,400 |
| Retained earnings to average equity (ytd only) | 4.5776% | 3,094 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4942% | 2,267 |
| Assets per employee ($millions) | 5.6411% | 1,850 |
| Cash dividends to net income (ytd only)* | 40.2010% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7269% | 815 |
| Loan loss allowance to noncurrent loans | 153.8947% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.5614% | 2,404 |
| Noncurrent loans to loans | 1.1222% | 1,487 |
| Net loans and leases to total assets | 49.1603% | 4,517 |
| Net loans and leases to deposits | 58.2744% | 4,490 |
| Net loans and leases to core deposits | 66.8810% | 4,239 |
| Total domestic deposits to total assets | 84.3601% | 2,917 |
| Equity capital to assets | 12.6523% | 1,653 |
| Core capital (leverage) ratio | 11.7304% | 1,955 |
| Tier 1 risk-based capital ratio | 19.5867% | 1,424 |
| Total risk-based capital ratio | 20.8395% | 1,397 |
| Memoranda: | ||
| Average total assets | $85,961,000 | 4,327 |
| Average earning assets | $81,312,000 | 4,290 |
| Average equity | $10,398,500 | 4,274 |
| Average total loans | $42,522,500 | 4,478 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6700% | 4,710 |
| Cost of funding earning assets | 0.6509% | 2,387 |
| Net interest margin | 3.0192% | 4,780 |
| Noninterest income to average assets | 0.4848% | 2,914 |
| Noninterest expense to average assets | 2.4689% | 3,699 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8614% | 3,571 |
| Return on assets (ROA) | 0.9788% | 3,102 |
| Pretax return on assets | 0.9869% | 3,651 |
| Return on Equity (ROE) | 8.2563% | 3,335 |
| Retained earnings to average equity (ytd only) | 4.8761% | 2,846 |
| Net charge-offs to loans | 0.0099% | 3,341 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 188.5000% | 472 |
| Efficiency ratio | 73.9821% | 1,629 |
| Assets per employee ($millions) | 5.8203% | 1,655 |
| Cash dividends to net income (ytd only)* | 40.9412% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7113% | 812 |
| Loan loss allowance to noncurrent loans | 153.8947% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.5441% | 2,423 |
| Noncurrent loans to loans | 1.1120% | 1,457 |
| Net loans and leases to total assets | 48.0900% | 4,630 |
| Net loans and leases to deposits | 57.3166% | 4,604 |
| Net loans and leases to core deposits | 66.3752% | 4,332 |
| Total domestic deposits to total assets | 83.9024% | 3,028 |
| Equity capital to assets | 11.5583% | 2,213 |
| Core capital (leverage) ratio | 11.5695% | 2,047 |
| Tier 1 risk-based capital ratio | 19.2993% | 1,451 |
| Total risk-based capital ratio | 20.5506% | 1,415 |
| Memoranda: | ||
| Average total assets | $86,839,200 | 4,319 |
| Average earning assets | $82,042,600 | 4,285 |
| Average equity | $10,295,200 | 4,265 |
| Average total loans | $40,580,600 | 4,539 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6171% | 4,774 |
| Cost of funding earning assets | 0.6158% | 2,368 |
| Net interest margin | 3.0013% | 4,841 |
| Noninterest income to average assets | 0.4904% | 2,922 |
| Noninterest expense to average assets | 2.4307% | 3,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8934% | 3,567 |
| Return on assets (ROA) | 1.0624% | 2,828 |
| Pretax return on assets | 1.0701% | 3,498 |
| Return on Equity (ROE) | 8.9048% | 3,126 |
| Retained earnings to average equity (ytd only) | 6.0954% | 2,610 |
| Net charge-offs to loans | 0.0133% | 2,954 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 146.3377% | 557 |
| Efficiency ratio | 72.9917% | 1,732 |
| Assets per employee ($millions) | 5.5633% | 1,861 |
| Cash dividends to net income (ytd only)* | 31.5486% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8342% | 671 |
| Loan loss allowance to noncurrent loans | 109.9248% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.7969% | 1,857 |
| Noncurrent loans to loans | 1.6686% | 931 |
| Net loans and leases to total assets | 46.8820% | 4,761 |
| Net loans and leases to deposits | 53.8847% | 4,825 |
| Net loans and leases to core deposits | 60.3257% | 4,689 |
| Total domestic deposits to total assets | 87.0042% | 1,729 |
| Equity capital to assets | 11.7388% | 2,079 |
| Core capital (leverage) ratio | 11.5940% | 2,092 |
| Tier 1 risk-based capital ratio | 19.9412% | 1,346 |
| Total risk-based capital ratio | 21.1934% | 1,313 |
| Memoranda: | ||
| Average total assets | $86,722,750 | 4,368 |
| Average earning assets | $82,052,750 | 4,326 |
| Average equity | $10,346,250 | 4,299 |
| Average total loans | $40,046,750 | 4,597 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5628% | 4,832 |
| Cost of funding earning assets | 0.5962% | 2,254 |
| Net interest margin | 2.9666% | 4,920 |
| Noninterest income to average assets | 0.4555% | 3,118 |
| Noninterest expense to average assets | 2.4393% | 3,798 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8077% | 3,833 |
| Return on assets (ROA) | 0.7265% | 4,117 |
| Pretax return on assets | 0.7334% | 4,426 |
| Return on Equity (ROE) | 6.0591% | 4,216 |
| Retained earnings to average equity (ytd only) | 3.3239% | 3,918 |
| Net charge-offs to loans | 0.0199% | 2,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 89.5000% | 752 |
| Efficiency ratio | 74.9475% | 1,570 |
| Assets per employee ($millions) | 5.5664% | 1,828 |
| Cash dividends to net income (ytd only)* | 45.1411% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8652% | 673 |
| Loan loss allowance to noncurrent loans | 380.7292% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.2300% | 3,852 |
| Noncurrent loans to loans | 0.4899% | 2,964 |
| Net loans and leases to total assets | 46.0621% | 4,824 |
| Net loans and leases to deposits | 52.9840% | 4,878 |
| Net loans and leases to core deposits | 58.4543% | 4,774 |
| Total domestic deposits to total assets | 86.9359% | 1,865 |
| Equity capital to assets | 11.7730% | 2,007 |
| Core capital (leverage) ratio | 11.2815% | 2,274 |
| Tier 1 risk-based capital ratio | 19.5746% | 1,410 |
| Total risk-based capital ratio | 20.8278% | 1,373 |
| Memoranda: | ||
| Average total assets | $87,813,670 | 4,383 |
| Average earning assets | $82,856,670 | 4,346 |
| Average equity | $10,529,670 | 4,304 |
| Average total loans | $40,111,000 | 4,637 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4647% | 4,929 |
| Cost of funding earning assets | 0.5697% | 2,255 |
| Net interest margin | 2.8950% | 5,037 |
| Noninterest income to average assets | 0.3601% | 3,735 |
| Noninterest expense to average assets | 2.3252% | 4,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7869% | 3,766 |
| Return on assets (ROA) | 0.7869% | 3,762 |
| Pretax return on assets | 0.7914% | 4,169 |
| Return on Equity (ROE) | 6.5077% | 3,979 |
| Retained earnings to average equity (ytd only) | 3.6399% | 3,745 |
| Net charge-offs to loans | 0.0394% | 1,745 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 44.5000% | 1,001 |
| Efficiency ratio | 74.6077% | 1,808 |
| Assets per employee ($millions) | 5.7122% | 1,752 |
| Cash dividends to net income (ytd only)* | 44.0678% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8896% | 671 |
| Loan loss allowance to noncurrent loans | 164.2697% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.5194% | 2,797 |
| Noncurrent loans to loans | 1.1503% | 1,583 |
| Net loans and leases to total assets | 44.2958% | 4,882 |
| Net loans and leases to deposits | 55.0808% | 4,741 |
| Net loans and leases to core deposits | 61.9576% | 4,553 |
| Total domestic deposits to total assets | 80.4197% | 4,340 |
| Equity capital to assets | 12.4319% | 1,525 |
| Core capital (leverage) ratio | 11.5747% | 1,956 |
| Tier 1 risk-based capital ratio | 20.8554% | 1,224 |
| Total risk-based capital ratio | 22.1081% | 1,202 |
| Memoranda: | ||
| Average total assets | $89,972,500 | 4,399 |
| Average earning assets | $85,663,500 | 4,352 |
| Average equity | $10,879,500 | 4,290 |
| Average total loans | $40,571,000 | 4,676 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2754% | 5,112 |
| Cost of funding earning assets | 0.4719% | 2,588 |
| Net interest margin | 2.8036% | 5,163 |
| Noninterest income to average assets | 0.4232% | 3,485 |
| Noninterest expense to average assets | 2.1013% | 4,763 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9336% | 2,530 |
| Return on assets (ROA) | 0.9397% | 2,531 |
| Pretax return on assets | 0.9594% | 3,703 |
| Return on Equity (ROE) | 8.3309% | 2,632 |
| Retained earnings to average equity (ytd only) | 5.4436% | 1,847 |
| Net charge-offs to loans | 0.5550% | 415 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 4.2744% | 3,488 |
| Efficiency ratio | 68.7946% | 2,749 |
| Assets per employee ($millions) | 6.2841% | 1,332 |
| Cash dividends to net income (ytd only)* | 34.6578% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7312% | 890 |
| Loan loss allowance to noncurrent loans | 376.9231% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 4,047 |
| Noncurrent loans to loans | 0.4593% | 3,133 |
| Net loans and leases to total assets | 44.2617% | 4,965 |
| Net loans and leases to deposits | 55.3768% | 4,830 |
| Net loans and leases to core deposits | 62.5067% | 4,632 |
| Total domestic deposits to total assets | 79.9283% | 4,346 |
| Equity capital to assets | 11.7831% | 1,985 |
| Core capital (leverage) ratio | 10.8176% | 2,517 |
| Tier 1 risk-based capital ratio | 19.0544% | 1,499 |
| Total risk-based capital ratio | 20.3064% | 1,456 |
| Memoranda: | ||
| Average total assets | $96,417,000 | 4,304 |
| Average earning assets | $90,491,400 | 4,278 |
| Average equity | $10,875,200 | 4,324 |
| Average total loans | $38,739,600 | 4,769 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2427% | 5,178 |
| Cost of funding earning assets | 0.4551% | 2,669 |
| Net interest margin | 2.7877% | 5,239 |
| Noninterest income to average assets | 0.4180% | 3,568 |
| Noninterest expense to average assets | 2.0242% | 4,901 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9846% | 2,619 |
| Return on assets (ROA) | 0.9846% | 2,681 |
| Pretax return on assets | 1.0052% | 3,666 |
| Return on Equity (ROE) | 8.8252% | 2,716 |
| Retained earnings to average equity (ytd only) | 5.9410% | 2,287 |
| Net charge-offs to loans | 0.7194% | 261 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 3.5834% | 3,321 |
| Efficiency ratio | 66.8180% | 3,078 |
| Assets per employee ($millions) | 6.6318% | 1,112 |
| Cash dividends to net income (ytd only)* | 32.6814% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0687% | 502 |
| Loan loss allowance to noncurrent loans | 337.5566% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.2222% | 4,176 |
| Noncurrent loans to loans | 0.6128% | 2,877 |
| Net loans and leases to total assets | 35.5017% | 5,369 |
| Net loans and leases to deposits | 44.7004% | 5,297 |
| Net loans and leases to core deposits | 49.2800% | 5,225 |
| Total domestic deposits to total assets | 79.4214% | 4,453 |
| Equity capital to assets | 11.4489% | 2,423 |
| Core capital (leverage) ratio | 10.4158% | 3,072 |
| Tier 1 risk-based capital ratio | 20.4100% | 1,292 |
| Total risk-based capital ratio | 21.6637% | 1,263 |
| Memoranda: | ||
| Average total assets | $96,955,750 | 4,329 |
| Average earning assets | $90,826,250 | 4,311 |
| Average equity | $10,817,250 | 4,379 |
| Average total loans | $37,810,250 | 4,846 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2204% | 5,210 |
| Cost of funding earning assets | 0.4454% | 2,650 |
| Net interest margin | 2.7750% | 5,283 |
| Noninterest income to average assets | 0.4099% | 3,626 |
| Noninterest expense to average assets | 2.0247% | 4,920 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9572% | 2,622 |
| Return on assets (ROA) | 0.9572% | 2,683 |
| Pretax return on assets | 0.9780% | 3,643 |
| Return on Equity (ROE) | 8.6575% | 2,691 |
| Retained earnings to average equity (ytd only) | 5.7591% | 2,255 |
| Net charge-offs to loans | 0.2657% | 770 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 9.2157% | 2,455 |
| Efficiency ratio | 67.4290% | 3,108 |
| Assets per employee ($millions) | 6.8317% | 997 |
| Cash dividends to net income (ytd only)* | 33.4783% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4733% | 291 |
| Loan loss allowance to noncurrent loans | 130.1013% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.7225% | 2,402 |
| Noncurrent loans to loans | 1.9011% | 912 |
| Net loans and leases to total assets | 37.0635% | 5,333 |
| Net loans and leases to deposits | 45.8412% | 5,285 |
| Net loans and leases to core deposits | 48.3352% | 5,273 |
| Total domestic deposits to total assets | 80.8519% | 4,220 |
| Equity capital to assets | 11.8533% | 2,036 |
| Core capital (leverage) ratio | 10.7809% | 2,624 |
| Tier 1 risk-based capital ratio | 20.9133% | 1,203 |
| Total risk-based capital ratio | 22.1720% | 1,171 |
| Memoranda: | ||
| Average total assets | $96,115,330 | 4,373 |
| Average earning assets | $89,801,330 | 4,361 |
| Average equity | $10,626,670 | 4,419 |
| Average total loans | $38,393,000 | 4,862 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1464% | 5,313 |
| Cost of funding earning assets | 0.4331% | 2,684 |
| Net interest margin | 2.7133% | 5,376 |
| Noninterest income to average assets | 0.3861% | 3,763 |
| Noninterest expense to average assets | 1.9803% | 5,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9341% | 2,589 |
| Return on assets (ROA) | 0.9341% | 2,644 |
| Pretax return on assets | 0.9548% | 3,569 |
| Return on Equity (ROE) | 8.7621% | 2,532 |
| Retained earnings to average equity (ytd only) | 5.6467% | 2,521 |
| Net charge-offs to loans | 0.5176% | 351 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.5098% | 2,377 |
| Efficiency ratio | 67.4682% | 3,281 |
| Assets per employee ($millions) | 6.6640% | 1,099 |
| Cash dividends to net income (ytd only)* | 35.5556% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4126% | 350 |
| Loan loss allowance to noncurrent loans | 130.4790% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.7385% | 2,452 |
| Noncurrent loans to loans | 1.8490% | 1,001 |
| Net loans and leases to total assets | 38.9770% | 5,292 |
| Net loans and leases to deposits | 47.9831% | 5,221 |
| Net loans and leases to core deposits | 52.6282% | 5,121 |
| Total domestic deposits to total assets | 81.2307% | 4,357 |
| Equity capital to assets | 11.1838% | 2,443 |
| Core capital (leverage) ratio | 10.3356% | 3,076 |
| Tier 1 risk-based capital ratio | 22.0076% | 1,085 |
| Total risk-based capital ratio | 23.2661% | 1,064 |
| Memoranda: | ||
| Average total assets | $96,351,000 | 4,419 |
| Average earning assets | $90,517,500 | 4,383 |
| Average equity | $10,271,500 | 4,500 |
| Average total loans | $39,415,500 | 4,870 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1810% | 5,327 |
| Cost of funding earning assets | 0.5877% | 1,433 |
| Net interest margin | 2.5934% | 5,523 |
| Noninterest income to average assets | 0.3873% | 3,981 |
| Noninterest expense to average assets | 1.9591% | 5,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8595% | 3,028 |
| Return on assets (ROA) | 1.0034% | 2,441 |
| Pretax return on assets | 1.0187% | 3,411 |
| Return on Equity (ROE) | 9.3191% | 2,264 |
| Retained earnings to average equity (ytd only) | 6.5809% | 1,415 |
| Net charge-offs to loans | -0.0561% | 5,427 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1673% | 3,046 |
| Assets per employee ($millions) | 7.1004% | 878 |
| Cash dividends to net income (ytd only)* | 29.3820% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2878% | 413 |
| Loan loss allowance to noncurrent loans | 19,020.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 5,415 |
| Noncurrent loans to loans | 0.0120% | 5,236 |
| Net loans and leases to total assets | 40.8597% | 5,279 |
| Net loans and leases to deposits | 50.7465% | 5,178 |
| Net loans and leases to core deposits | 56.3796% | 5,035 |
| Total domestic deposits to total assets | 80.5173% | 4,451 |
| Equity capital to assets | 10.1694% | 3,523 |
| Core capital (leverage) ratio | 9.9526% | 3,548 |
| Tier 1 risk-based capital ratio | 18.6738% | 1,683 |
| Total risk-based capital ratio | 19.9313% | 1,649 |
| Memoranda: | ||
| Average total assets | $98,362,200 | 4,377 |
| Average earning assets | $92,736,800 | 4,331 |
| Average equity | $10,591,200 | 4,481 |
| Average total loans | $40,997,200 | 4,841 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1873% | 5,382 |
| Cost of funding earning assets | 0.6257% | 1,164 |
| Net interest margin | 2.5617% | 5,616 |
| Noninterest income to average assets | 0.3561% | 4,241 |
| Noninterest expense to average assets | 1.9394% | 5,313 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8242% | 3,262 |
| Return on assets (ROA) | 1.0153% | 2,497 |
| Pretax return on assets | 1.0302% | 3,515 |
| Return on Equity (ROE) | 9.2980% | 2,359 |
| Retained earnings to average equity (ytd only) | 6.4849% | 1,924 |
| Net charge-offs to loans | -0.0653% | 5,446 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8483% | 2,903 |
| Assets per employee ($millions) | 6.8312% | 948 |
| Cash dividends to net income (ytd only)* | 30.2546% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4074% | 373 |
| Loan loss allowance to noncurrent loans | 15,833.3333% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 5,248 |
| Noncurrent loans to loans | 0.0152% | 5,339 |
| Net loans and leases to total assets | 40.2689% | 5,363 |
| Net loans and leases to deposits | 51.4543% | 5,231 |
| Net loans and leases to core deposits | 59.4771% | 4,965 |
| Total domestic deposits to total assets | 78.2616% | 4,865 |
| Equity capital to assets | 11.7078% | 2,344 |
| Core capital (leverage) ratio | 9.8162% | 3,792 |
| Tier 1 risk-based capital ratio | 19.2235% | 1,622 |
| Total risk-based capital ratio | 20.4813% | 1,577 |
| Memoranda: | ||
| Average total assets | $98,101,250 | 4,415 |
| Average earning assets | $92,698,000 | 4,373 |
| Average equity | $10,711,750 | 4,506 |
| Average total loans | $40,854,500 | 4,891 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1826% | 5,455 |
| Cost of funding earning assets | 0.6190% | 1,202 |
| Net interest margin | 2.5636% | 5,697 |
| Noninterest income to average assets | 0.3437% | 4,322 |
| Noninterest expense to average assets | 1.9207% | 5,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8298% | 3,174 |
| Return on assets (ROA) | 1.1160% | 2,016 |
| Pretax return on assets | 1.1322% | 3,078 |
| Return on Equity (ROE) | 10.4645% | 1,867 |
| Retained earnings to average equity (ytd only) | 7.6967% | 1,291 |
| Net charge-offs to loans | -0.0678% | 5,485 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4952% | 3,058 |
| Assets per employee ($millions) | 6.9785% | 883 |
| Cash dividends to net income (ytd only)* | 26.4493% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3954% | 412 |
| Loan loss allowance to noncurrent loans | 1,966.6667% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 5,364 |
| Noncurrent loans to loans | 0.1218% | 4,960 |
| Net loans and leases to total assets | 39.3709% | 5,453 |
| Net loans and leases to deposits | 50.1036% | 5,332 |
| Net loans and leases to core deposits | 58.5037% | 5,048 |
| Total domestic deposits to total assets | 78.5791% | 4,877 |
| Equity capital to assets | 11.3880% | 2,658 |
| Core capital (leverage) ratio | 9.7124% | 3,913 |
| Tier 1 risk-based capital ratio | 18.8778% | 1,718 |
| Total risk-based capital ratio | 20.1363% | 1,684 |
| Memoranda: | ||
| Average total assets | $98,922,670 | 4,438 |
| Average earning assets | $93,383,670 | 4,396 |
| Average equity | $10,550,000 | 4,554 |
| Average total loans | $41,318,670 | 4,925 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2282% | 5,447 |
| Cost of funding earning assets | 0.6440% | 1,087 |
| Net interest margin | 2.5843% | 5,737 |
| Noninterest income to average assets | 0.3416% | 4,281 |
| Noninterest expense to average assets | 1.9451% | 5,443 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8376% | 3,045 |
| Return on assets (ROA) | 1.4065% | 1,083 |
| Pretax return on assets | 1.4226% | 1,831 |
| Return on Equity (ROE) | 13.6426% | 903 |
| Retained earnings to average equity (ytd only) | 10.6802% | 711 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6403% | 3,196 |
| Assets per employee ($millions) | 6.9752% | 906 |
| Cash dividends to net income (ytd only)* | 21.7143% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2439% | 558 |
| Loan loss allowance to noncurrent loans | 1,937.5000% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 5,428 |
| Noncurrent loans to loans | 0.1158% | 5,014 |
| Net loans and leases to total assets | 41.4898% | 5,375 |
| Net loans and leases to deposits | 53.6430% | 5,125 |
| Net loans and leases to core deposits | 64.3438% | 4,667 |
| Total domestic deposits to total assets | 77.3443% | 5,243 |
| Equity capital to assets | 10.7093% | 3,244 |
| Core capital (leverage) ratio | 9.3946% | 4,353 |
| Tier 1 risk-based capital ratio | 18.0031% | 1,990 |
| Total risk-based capital ratio | 19.2592% | 1,953 |
| Memoranda: | ||
| Average total assets | $99,534,500 | 4,476 |
| Average earning assets | $94,417,000 | 4,408 |
| Average equity | $10,262,000 | 4,622 |
| Average total loans | $42,273,500 | 4,927 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4561% | 5,035 |
| Cost of funding earning assets | 0.5903% | 1,434 |
| Net interest margin | 2.8658% | 5,392 |
| Noninterest income to average assets | 0.3162% | 4,630 |
| Noninterest expense to average assets | 1.9849% | 5,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0315% | 2,203 |
| Return on assets (ROA) | 1.0576% | 2,177 |
| Pretax return on assets | 1.0758% | 3,168 |
| Return on Equity (ROE) | 10.2412% | 1,905 |
| Retained earnings to average equity (ytd only) | 6.5585% | 1,506 |
| Net charge-offs to loans | -0.1333% | 5,857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4225% | 4,000 |
| Assets per employee ($millions) | 6.7611% | 979 |
| Cash dividends to net income (ytd only)* | 35.9596% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1577% | 632 |
| Loan loss allowance to noncurrent loans | 13,285.7143% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 5,684 |
| Noncurrent loans to loans | 0.0162% | 5,460 |
| Net loans and leases to total assets | 41.5822% | 5,434 |
| Net loans and leases to deposits | 54.1730% | 5,155 |
| Net loans and leases to core deposits | 64.5962% | 4,698 |
| Total domestic deposits to total assets | 76.7581% | 5,356 |
| Equity capital to assets | 9.9255% | 4,046 |
| Core capital (leverage) ratio | 9.2430% | 4,555 |
| Tier 1 risk-based capital ratio | 16.8303% | 2,347 |
| Total risk-based capital ratio | 18.0837% | 2,296 |
| Memoranda: | ||
| Average total assets | $93,605,600 | 4,594 |
| Average earning assets | $88,770,400 | 4,528 |
| Average equity | $9,666,800 | 4,717 |
| Average total loans | $39,770,000 | 5,026 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4841% | 5,015 |
| Cost of funding earning assets | 0.5866% | 1,487 |
| Net interest margin | 2.8976% | 5,417 |
| Noninterest income to average assets | 0.3215% | 4,641 |
| Noninterest expense to average assets | 1.9624% | 5,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0947% | 2,031 |
| Return on assets (ROA) | 1.1303% | 1,968 |
| Pretax return on assets | 1.1478% | 3,026 |
| Return on Equity (ROE) | 10.8286% | 1,775 |
| Retained earnings to average equity (ytd only) | 7.0798% | 1,652 |
| Net charge-offs to loans | -0.0959% | 5,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8429% | 4,278 |
| Assets per employee ($millions) | 6.1658% | 1,262 |
| Cash dividends to net income (ytd only)* | 34.6207% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2706% | 593 |
| Loan loss allowance to noncurrent loans | 90,500.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 5,829 |
| Noncurrent loans to loans | 0.0025% | 5,659 |
| Net loans and leases to total assets | 42.1162% | 5,484 |
| Net loans and leases to deposits | 49.1949% | 5,503 |
| Net loans and leases to core deposits | 59.8157% | 5,078 |
| Total domestic deposits to total assets | 85.6110% | 2,731 |
| Equity capital to assets | 10.5420% | 3,563 |
| Core capital (leverage) ratio | 9.6463% | 4,113 |
| Tier 1 risk-based capital ratio | 17.5709% | 2,167 |
| Total risk-based capital ratio | 18.8285% | 2,120 |
| Memoranda: | ||
| Average total assets | $91,653,000 | 4,687 |
| Average earning assets | $87,059,750 | 4,603 |
| Average equity | $9,567,000 | 4,792 |
| Average total loans | $38,937,250 | 5,108 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4839% | 5,030 |
| Cost of funding earning assets | 0.5714% | 1,633 |
| Net interest margin | 2.9125% | 5,420 |
| Noninterest income to average assets | 0.3086% | 4,750 |
| Noninterest expense to average assets | 1.9524% | 5,629 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1059% | 1,931 |
| Return on assets (ROA) | 1.1601% | 1,813 |
| Pretax return on assets | 1.1776% | 2,871 |
| Return on Equity (ROE) | 11.1509% | 1,632 |
| Retained earnings to average equity (ytd only) | 7.5531% | 1,450 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4875% | 4,429 |
| Assets per employee ($millions) | 6.0735% | 1,299 |
| Cash dividends to net income (ytd only)* | 32.2642% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2921% | 638 |
| Loan loss allowance to noncurrent loans | 87,700.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 5,921 |
| Noncurrent loans to loans | 0.0026% | 5,770 |
| Net loans and leases to total assets | 41.0360% | 5,572 |
| Net loans and leases to deposits | 49.8387% | 5,511 |
| Net loans and leases to core deposits | 55.5324% | 5,338 |
| Total domestic deposits to total assets | 82.3376% | 4,178 |
| Equity capital to assets | 10.3334% | 3,644 |
| Core capital (leverage) ratio | 9.6944% | 4,009 |
| Tier 1 risk-based capital ratio | 17.6947% | 2,160 |
| Total risk-based capital ratio | 18.9504% | 2,106 |
| Memoranda: | ||
| Average total assets | $91,375,000 | 4,741 |
| Average earning assets | $86,798,670 | 4,659 |
| Average equity | $9,506,000 | 4,839 |
| Average total loans | $38,630,670 | 5,159 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4418% | 5,111 |
| Cost of funding earning assets | 0.5721% | 1,639 |
| Net interest margin | 2.8697% | 5,507 |
| Noninterest income to average assets | 0.2797% | 4,940 |
| Noninterest expense to average assets | 1.9320% | 5,703 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0720% | 1,966 |
| Return on assets (ROA) | 1.1802% | 1,701 |
| Pretax return on assets | 1.1977% | 2,679 |
| Return on Equity (ROE) | 11.3065% | 1,547 |
| Retained earnings to average equity (ytd only) | 7.4958% | 1,765 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9653% | 4,490 |
| Assets per employee ($millions) | 6.0134% | 1,391 |
| Cash dividends to net income (ytd only)* | 33.7037% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3235% | 689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 40.8732% | 5,553 |
| Net loans and leases to deposits | 48.6783% | 5,534 |
| Net loans and leases to core deposits | 55.1322% | 5,302 |
| Total domestic deposits to total assets | 83.9658% | 3,834 |
| Equity capital to assets | 10.7671% | 3,238 |
| Core capital (leverage) ratio | 9.4736% | 4,321 |
| Tier 1 risk-based capital ratio | 17.4806% | 2,309 |
| Total risk-based capital ratio | 18.7368% | 2,262 |
| Memoranda: | ||
| Average total assets | $91,511,000 | 4,777 |
| Average earning assets | $87,396,000 | 4,683 |
| Average equity | $9,552,000 | 4,873 |
| Average total loans | $38,815,000 | 5,181 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6002% | 5,080 |
| Cost of funding earning assets | 0.5676% | 2,066 |
| Net interest margin | 3.0326% | 5,369 |
| Noninterest income to average assets | 0.3157% | 4,862 |
| Noninterest expense to average assets | 2.2201% | 5,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9350% | 2,703 |
| Return on assets (ROA) | 1.0565% | 2,205 |
| Pretax return on assets | 1.0813% | 3,161 |
| Return on Equity (ROE) | 10.9509% | 1,735 |
| Retained earnings to average equity (ytd only) | 6.8837% | 1,456 |
| Net charge-offs to loans | -0.5560% | 6,404 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8722% | 3,551 |
| Assets per employee ($millions) | 6.1881% | 1,254 |
| Cash dividends to net income (ytd only)* | 37.1398% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1988% | 823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 42.0250% | 5,615 |
| Net loans and leases to deposits | 51.2145% | 5,521 |
| Net loans and leases to core deposits | 63.3391% | 4,888 |
| Total domestic deposits to total assets | 82.0569% | 4,401 |
| Equity capital to assets | 10.1184% | 3,964 |
| Core capital (leverage) ratio | 9.3330% | 4,489 |
| Tier 1 risk-based capital ratio | 16.5596% | 2,691 |
| Total risk-based capital ratio | 17.8148% | 2,631 |
| Memoranda: | ||
| Average total assets | $88,687,800 | 4,869 |
| Average earning assets | $83,690,600 | 4,802 |
| Average equity | $8,556,400 | 5,072 |
| Average total loans | $36,511,600 | 5,311 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6339% | 5,056 |
| Cost of funding earning assets | 0.5653% | 2,145 |
| Net interest margin | 3.0686% | 5,336 |
| Noninterest income to average assets | 0.2905% | 5,120 |
| Noninterest expense to average assets | 2.0839% | 5,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0800% | 2,111 |
| Return on assets (ROA) | 1.2321% | 1,632 |
| Pretax return on assets | 1.2503% | 2,572 |
| Return on Equity (ROE) | 12.9376% | 1,232 |
| Retained earnings to average equity (ytd only) | 8.5772% | 1,132 |
| Net charge-offs to loans | -0.5121% | 6,463 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5189% | 4,292 |
| Assets per employee ($millions) | 6.0285% | 1,318 |
| Cash dividends to net income (ytd only)* | 33.7037% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2796% | 845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 38.4465% | 5,915 |
| Net loans and leases to deposits | 44.5787% | 5,941 |
| Net loans and leases to core deposits | 54.8264% | 5,520 |
| Total domestic deposits to total assets | 86.2442% | 2,734 |
| Equity capital to assets | 10.0744% | 4,078 |
| Core capital (leverage) ratio | 9.4305% | 4,463 |
| Tier 1 risk-based capital ratio | 17.7131% | 2,311 |
| Total risk-based capital ratio | 18.9679% | 2,269 |
| Memoranda: | ||
| Average total assets | $87,654,500 | 4,948 |
| Average earning assets | $82,553,500 | 4,886 |
| Average equity | $8,347,500 | 5,159 |
| Average total loans | $35,668,250 | 5,392 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6988% | 4,867 |
| Cost of funding earning assets | 0.5596% | 2,265 |
| Net interest margin | 3.1392% | 5,123 |
| Noninterest income to average assets | 0.2790% | 5,196 |
| Noninterest expense to average assets | 2.0823% | 5,661 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1290% | 1,823 |
| Return on assets (ROA) | 1.1945% | 1,675 |
| Pretax return on assets | 1.2130% | 2,605 |
| Return on Equity (ROE) | 12.8007% | 1,231 |
| Retained earnings to average equity (ytd only) | 7.7348% | 1,417 |
| Net charge-offs to loans | -0.7339% | 6,551 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5000% | 4,614 |
| Assets per employee ($millions) | 5.7213% | 1,506 |
| Cash dividends to net income (ytd only)* | 39.5753% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2926% | 909 |
| 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 | 39.9772% | 5,819 |
| Net loans and leases to deposits | 46.1762% | 5,878 |
| Net loans and leases to core deposits | 54.0513% | 5,546 |
| Total domestic deposits to total assets | 86.5752% | 2,716 |
| Equity capital to assets | 10.1854% | 3,854 |
| Core capital (leverage) ratio | 9.4412% | 4,411 |
| Tier 1 risk-based capital ratio | 17.3290% | 2,486 |
| Total risk-based capital ratio | 18.5842% | 2,448 |
| Memoranda: | ||
| Average total assets | $86,730,330 | 5,007 |
| Average earning assets | $81,485,330 | 4,948 |
| Average equity | $8,093,330 | 5,254 |
| Average total loans | $35,698,670 | 5,432 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6858% | 4,897 |
| Cost of funding earning assets | 0.5328% | 2,574 |
| Net interest margin | 3.1530% | 5,079 |
| Noninterest income to average assets | 0.3028% | 4,929 |
| Noninterest expense to average assets | 2.0829% | 5,716 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1577% | 1,603 |
| Return on assets (ROA) | 1.0093% | 2,243 |
| Pretax return on assets | 1.0277% | 3,219 |
| Return on Equity (ROE) | 11.3263% | 1,592 |
| Retained earnings to average equity (ytd only) | 4.1187% | 3,656 |
| Net charge-offs to loans | -1.3670% | 6,646 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8537% | 4,879 |
| Assets per employee ($millions) | 5.7015% | 1,534 |
| Cash dividends to net income (ytd only)* | 63.6364% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3140% | 1,005 |
| Loan loss allowance to noncurrent loans | 781.3725% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 5,740 |
| Noncurrent loans to loans | 0.2961% | 5,228 |
| Net loans and leases to total assets | 39.3415% | 5,854 |
| Net loans and leases to deposits | 45.5420% | 5,882 |
| Net loans and leases to core deposits | 53.3581% | 5,542 |
| Total domestic deposits to total assets | 86.3849% | 3,167 |
| Equity capital to assets | 9.4103% | 4,612 |
| Core capital (leverage) ratio | 9.1835% | 4,743 |
| Tier 1 risk-based capital ratio | 16.8439% | 2,761 |
| Total risk-based capital ratio | 18.1004% | 2,717 |
| Memoranda: | ||
| Average total assets | $87,186,000 | 5,041 |
| Average earning assets | $81,826,500 | 4,982 |
| Average equity | $7,769,500 | 5,352 |
| Average total loans | $35,991,500 | 5,462 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4436% | 5,749 |
| Cost of funding earning assets | 0.5420% | 3,177 |
| Net interest margin | 2.9016% | 5,784 |
| Noninterest income to average assets | 0.4050% | 4,410 |
| Noninterest expense to average assets | 2.1140% | 5,801 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9892% | 2,371 |
| Return on assets (ROA) | 0.9001% | 2,866 |
| Pretax return on assets | 0.9083% | 3,732 |
| Return on Equity (ROE) | 9.6862% | 2,239 |
| Retained earnings to average equity (ytd only) | 6.3215% | 1,794 |
| Net charge-offs to loans | -0.2678% | 6,657 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9224% | 4,214 |
| Assets per employee ($millions) | 5.9233% | 1,322 |
| Cash dividends to net income (ytd only)* | 34.7368% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7954% | 2,077 |
| Loan loss allowance to noncurrent loans | 648.0769% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 5,829 |
| Noncurrent loans to loans | 0.2770% | 5,343 |
| Net loans and leases to total assets | 41.4929% | 5,853 |
| Net loans and leases to deposits | 47.0620% | 5,947 |
| Net loans and leases to core deposits | 51.5911% | 5,826 |
| Total domestic deposits to total assets | 88.1664% | 2,078 |
| Equity capital to assets | 8.4312% | 5,656 |
| Core capital (leverage) ratio | 9.1419% | 4,797 |
| Tier 1 risk-based capital ratio | 15.1256% | 3,595 |
| Total risk-based capital ratio | 16.3766% | 3,538 |
| Memoranda: | ||
| Average total assets | $84,439,000 | 5,130 |
| Average earning assets | $78,784,800 | 5,063 |
| Average equity | $7,846,200 | 5,384 |
| Average total loans | $33,229,800 | 5,612 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3923% | 5,893 |
| Cost of funding earning assets | 0.5506% | 3,253 |
| Net interest margin | 2.8418% | 5,939 |
| Noninterest income to average assets | 0.4528% | 4,136 |
| Noninterest expense to average assets | 2.0959% | 5,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9892% | 2,417 |
| Return on assets (ROA) | 0.8479% | 3,224 |
| Pretax return on assets | 0.8704% | 4,011 |
| Return on Equity (ROE) | 8.9055% | 2,682 |
| Retained earnings to average equity (ytd only) | 4.4696% | 3,490 |
| Net charge-offs to loans | -0.5972% | 6,801 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3522% | 4,222 |
| Assets per employee ($millions) | 5.7447% | 1,408 |
| Cash dividends to net income (ytd only)* | 49.8111% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3068% | 1,174 |
| Loan loss allowance to noncurrent loans | 694.2857% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 5,829 |
| Noncurrent loans to loans | 0.3323% | 5,391 |
| Net loans and leases to total assets | 35.8276% | 6,287 |
| Net loans and leases to deposits | 40.8887% | 6,356 |
| Net loans and leases to core deposits | 43.8880% | 6,308 |
| Total domestic deposits to total assets | 87.6223% | 2,347 |
| Equity capital to assets | 8.4414% | 5,801 |
| Core capital (leverage) ratio | 8.8321% | 5,358 |
| Tier 1 risk-based capital ratio | 16.2734% | 3,053 |
| Total risk-based capital ratio | 17.5266% | 3,014 |
| Memoranda: | ||
| Average total assets | $83,336,500 | 5,206 |
| Average earning assets | $77,977,750 | 5,135 |
| Average equity | $7,935,000 | 5,409 |
| Average total loans | $32,152,250 | 5,715 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3015% | 6,086 |
| Cost of funding earning assets | 0.5550% | 3,362 |
| Net interest margin | 2.7465% | 6,102 |
| Noninterest income to average assets | 0.4685% | 4,034 |
| Noninterest expense to average assets | 2.1191% | 5,833 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9015% | 2,786 |
| Return on assets (ROA) | 1.0681% | 2,159 |
| Pretax return on assets | 1.0899% | 3,132 |
| Return on Equity (ROE) | 10.7905% | 1,886 |
| Retained earnings to average equity (ytd only) | 5.9593% | 2,466 |
| Net charge-offs to loans | -0.2969% | 6,754 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7284% | 3,877 |
| Assets per employee ($millions) | 5.4953% | 1,599 |
| Cash dividends to net income (ytd only)* | 44.7727% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0248% | 1,795 |
| Loan loss allowance to noncurrent loans | 12,660.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 6,223 |
| Noncurrent loans to loans | 0.0160% | 6,381 |
| Net loans and leases to total assets | 37.1580% | 6,228 |
| Net loans and leases to deposits | 42.8713% | 6,288 |
| Net loans and leases to core deposits | 44.3359% | 6,318 |
| Total domestic deposits to total assets | 86.6734% | 3,015 |
| Equity capital to assets | 9.0114% | 5,202 |
| Core capital (leverage) ratio | 9.2878% | 4,561 |
| Tier 1 risk-based capital ratio | 16.5776% | 2,902 |
| Total risk-based capital ratio | 17.8295% | 2,861 |
| Memoranda: | ||
| Average total assets | $82,391,670 | 5,265 |
| Average earning assets | $77,116,670 | 5,192 |
| Average equity | $8,155,330 | 5,393 |
| Average total loans | $32,335,670 | 5,740 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2704% | 6,209 |
| Cost of funding earning assets | 0.5598% | 3,475 |
| Net interest margin | 2.7107% | 6,201 |
| Noninterest income to average assets | 0.4565% | 4,079 |
| Noninterest expense to average assets | 2.2289% | 5,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7546% | 3,410 |
| Return on assets (ROA) | 1.0877% | 2,016 |
| Pretax return on assets | 1.1072% | 2,928 |
| Return on Equity (ROE) | 10.5177% | 1,865 |
| Retained earnings to average equity (ytd only) | 6.1979% | 2,571 |
| Net charge-offs to loans | -0.4989% | 6,854 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3922% | 3,195 |
| Assets per employee ($millions) | 5.3870% | 1,758 |
| Cash dividends to net income (ytd only)* | 41.0714% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0273% | 1,973 |
| Loan loss allowance to noncurrent loans | 5,690.9091% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 6,296 |
| Noncurrent loans to loans | 0.0356% | 6,382 |
| Net loans and leases to total assets | 37.4395% | 6,188 |
| Net loans and leases to deposits | 44.0325% | 6,205 |
| Net loans and leases to core deposits | 44.4335% | 6,289 |
| Total domestic deposits to total assets | 85.0269% | 4,025 |
| Equity capital to assets | 10.4412% | 3,612 |
| Core capital (leverage) ratio | 9.0047% | 4,878 |
| Tier 1 risk-based capital ratio | 17.0155% | 2,744 |
| Total risk-based capital ratio | 18.2667% | 2,717 |
| Memoranda: | ||
| Average total assets | $82,373,000 | 5,308 |
| Average earning assets | $77,176,000 | 5,232 |
| Average equity | $8,519,000 | 5,354 |
| Average total loans | $32,872,500 | 5,757 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6129% | 6,207 |
| Cost of funding earning assets | 0.7107% | 3,404 |
| Net interest margin | 2.9022% | 6,222 |
| Noninterest income to average assets | 0.4212% | 4,449 |
| Noninterest expense to average assets | 2.1270% | 6,070 |
| Loan and lease loss provision to assets | 0.0248% | 5,582 |
| Net operating income to assets | 0.9800% | 2,426 |
| Return on assets (ROA) | 1.1174% | 2,048 |
| Pretax return on assets | 1.1248% | 3,066 |
| Return on Equity (ROE) | 10.9535% | 1,817 |
| Retained earnings to average equity (ytd only) | 7.2740% | 1,438 |
| Net charge-offs to loans | -0.1215% | 6,870 |
| Credit loss provision to net charge-offs | -51.2821% | 6,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7852% | 4,189 |
| Assets per employee ($millions) | 5.2463% | 1,951 |
| Cash dividends to net income (ytd only)* | 33.5920% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6779% | 3,015 |
| Loan loss allowance to noncurrent loans | 3,441.1765% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 6,330 |
| Noncurrent loans to loans | 0.0488% | 6,380 |
| Net loans and leases to total assets | 40.8394% | 6,112 |
| Net loans and leases to deposits | 48.5189% | 6,071 |
| Net loans and leases to core deposits | 48.9477% | 6,212 |
| Total domestic deposits to total assets | 84.1722% | 4,239 |
| Equity capital to assets | 10.2465% | 3,831 |
| Core capital (leverage) ratio | 8.9364% | 4,995 |
| Tier 1 risk-based capital ratio | 15.5266% | 3,405 |
| Total risk-based capital ratio | 16.7767% | 3,372 |
| Memoranda: | ||
| Average total assets | $80,725,000 | 5,336 |
| Average earning assets | $75,562,600 | 5,257 |
| Average equity | $8,234,800 | 5,434 |
| Average total loans | $32,109,400 | 5,848 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6738% | 6,268 |
| Cost of funding earning assets | 0.7487% | 3,366 |
| Net interest margin | 2.9252% | 6,309 |
| Noninterest income to average assets | 0.3920% | 4,693 |
| Noninterest expense to average assets | 2.0103% | 6,337 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1128% | 2,043 |
| Return on assets (ROA) | 1.2829% | 1,631 |
| Pretax return on assets | 1.2913% | 2,637 |
| Return on Equity (ROE) | 12.5909% | 1,437 |
| Retained earnings to average equity (ytd only) | 9.8402% | 955 |
| Net charge-offs to loans | -0.0849% | 6,822 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2324% | 4,773 |
| Assets per employee ($millions) | 5.1833% | 1,950 |
| Cash dividends to net income (ytd only)* | 21.8461% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7639% | 2,921 |
| Loan loss allowance to noncurrent loans | 634.8837% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 6,239 |
| Noncurrent loans to loans | 0.2778% | 5,935 |
| Net loans and leases to total assets | 36.6662% | 6,510 |
| Net loans and leases to deposits | 43.3910% | 6,535 |
| Net loans and leases to core deposits | 43.7771% | 6,607 |
| Total domestic deposits to total assets | 84.5018% | 3,977 |
| Equity capital to assets | 10.5966% | 3,736 |
| Core capital (leverage) ratio | 8.9762% | 5,097 |
| Tier 1 risk-based capital ratio | 16.7558% | 2,868 |
| Total risk-based capital ratio | 18.0052% | 2,827 |
| Memoranda: | ||
| Average total assets | $79,921,000 | 5,403 |
| Average earning assets | $74,797,500 | 5,332 |
| Average equity | $8,143,250 | 5,511 |
| Average total loans | $31,420,250 | 5,954 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7482% | 6,257 |
| Cost of funding earning assets | 0.7794% | 3,371 |
| Net interest margin | 2.9688% | 6,296 |
| Noninterest income to average assets | 0.3877% | 4,743 |
| Noninterest expense to average assets | 2.0705% | 6,292 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0897% | 2,076 |
| Return on assets (ROA) | 1.0897% | 2,303 |
| Pretax return on assets | 1.0974% | 3,310 |
| Return on Equity (ROE) | 10.8472% | 2,049 |
| Retained earnings to average equity (ytd only) | 8.1984% | 1,574 |
| Net charge-offs to loans | -0.0823% | 6,815 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3600% | 4,654 |
| Assets per employee ($millions) | 5.0038% | 2,177 |
| Cash dividends to net income (ytd only)* | 24.4186% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7488% | 3,029 |
| Loan loss allowance to noncurrent loans | 945.6140% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 6,400 |
| Noncurrent loans to loans | 0.1849% | 6,215 |
| Net loans and leases to total assets | 37.8254% | 6,491 |
| Net loans and leases to deposits | 44.8298% | 6,513 |
| Net loans and leases to core deposits | 45.7219% | 6,586 |
| Total domestic deposits to total assets | 84.3755% | 4,154 |
| Equity capital to assets | 10.4409% | 3,759 |
| Core capital (leverage) ratio | 9.0561% | 4,830 |
| Tier 1 risk-based capital ratio | 16.4894% | 2,920 |
| Total risk-based capital ratio | 17.7393% | 2,886 |
| Memoranda: | ||
| Average total assets | $78,917,330 | 5,468 |
| Average earning assets | $73,901,330 | 5,399 |
| Average equity | $7,928,330 | 5,595 |
| Average total loans | $31,575,670 | 5,985 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8304% | 6,184 |
| Cost of funding earning assets | 0.8073% | 3,417 |
| Net interest margin | 3.0232% | 6,244 |
| Noninterest income to average assets | 0.3625% | 4,978 |
| Noninterest expense to average assets | 2.0473% | 6,380 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1539% | 1,870 |
| Return on assets (ROA) | 1.1539% | 2,049 |
| Pretax return on assets | 1.1641% | 3,050 |
| Return on Equity (ROE) | 11.7205% | 1,759 |
| Retained earnings to average equity (ytd only) | 6.2751% | 2,809 |
| Net charge-offs to loans | -0.0751% | 6,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7520% | 4,968 |
| Assets per employee ($millions) | 4.8998% | 2,389 |
| Cash dividends to net income (ytd only)* | 46.4602% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7238% | 3,251 |
| Loan loss allowance to noncurrent loans | 950.0000% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 6,491 |
| Noncurrent loans to loans | 0.1815% | 6,320 |
| Net loans and leases to total assets | 38.6877% | 6,444 |
| Net loans and leases to deposits | 45.5235% | 6,464 |
| Net loans and leases to core deposits | 47.3847% | 6,489 |
| Total domestic deposits to total assets | 84.9841% | 4,046 |
| Equity capital to assets | 10.2517% | 3,790 |
| Core capital (leverage) ratio | 8.7455% | 5,211 |
| Tier 1 risk-based capital ratio | 16.6401% | 2,848 |
| Total risk-based capital ratio | 17.8903% | 2,802 |
| Memoranda: | ||
| Average total assets | $78,346,000 | 5,531 |
| Average earning assets | $73,830,000 | 5,442 |
| Average equity | $7,713,000 | 5,682 |
| Average total loans | $31,952,500 | 6,009 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1189% | 6,246 |
| Cost of funding earning assets | 0.9751% | 3,542 |
| Net interest margin | 3.1439% | 6,236 |
| Noninterest income to average assets | 0.3589% | 4,942 |
| Noninterest expense to average assets | 2.1600% | 6,361 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1268% | 1,734 |
| Return on assets (ROA) | 1.2402% | 1,508 |
| Pretax return on assets | 1.2543% | 2,286 |
| Return on Equity (ROE) | 14.3645% | 853 |
| Retained earnings to average equity (ytd only) | 2.3096% | 4,571 |
| Net charge-offs to loans | -0.0836% | 7,115 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4581% | 4,874 |
| Assets per employee ($millions) | 4.6056% | 2,745 |
| Cash dividends to net income (ytd only)* | 83.9212% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5919% | 3,622 |
| Loan loss allowance to noncurrent loans | 1,195.4545% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 6,817 |
| Noncurrent loans to loans | 0.1332% | 6,477 |
| Net loans and leases to total assets | 41.5314% | 6,420 |
| Net loans and leases to deposits | 48.5372% | 6,458 |
| Net loans and leases to core deposits | 50.5095% | 6,503 |
| Total domestic deposits to total assets | 85.5661% | 3,558 |
| Equity capital to assets | 9.4374% | 4,982 |
| Core capital (leverage) ratio | 7.9051% | 6,354 |
| Tier 1 risk-based capital ratio | 14.7274% | 3,814 |
| Total risk-based capital ratio | 15.9631% | 3,797 |
| Memoranda: | ||
| Average total assets | $77,731,800 | 5,516 |
| Average earning assets | $72,712,800 | 5,454 |
| Average equity | $6,711,000 | 5,951 |
| Average total loans | $31,116,600 | 6,118 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1805% | 6,255 |
| Cost of funding earning assets | 1.0123% | 3,595 |
| Net interest margin | 3.1681% | 6,242 |
| Noninterest income to average assets | 0.3523% | 5,037 |
| Noninterest expense to average assets | 2.0810% | 6,532 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2044% | 1,643 |
| Return on assets (ROA) | 1.3541% | 1,342 |
| Pretax return on assets | 1.3695% | 2,043 |
| Return on Equity (ROE) | 16.0611% | 676 |
| Retained earnings to average equity (ytd only) | 6.9096% | 2,025 |
| Net charge-offs to loans | -0.0827% | 7,133 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0729% | 5,227 |
| Assets per employee ($millions) | 4.4593% | 2,989 |
| Cash dividends to net income (ytd only)* | 56.9796% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7973% | 2,959 |
| Loan loss allowance to noncurrent loans | 961.1111% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 6,882 |
| Noncurrent loans to loans | 0.1870% | 6,495 |
| Net loans and leases to total assets | 35.3296% | 6,899 |
| Net loans and leases to deposits | 41.1266% | 6,941 |
| Net loans and leases to core deposits | 42.7458% | 6,960 |
| Total domestic deposits to total assets | 85.9045% | 3,264 |
| Equity capital to assets | 8.9576% | 5,799 |
| Core capital (leverage) ratio | 7.7438% | 6,602 |
| Tier 1 risk-based capital ratio | 15.3999% | 3,434 |
| Total risk-based capital ratio | 16.6501% | 3,411 |
| Memoranda: | ||
| Average total assets | $77,591,000 | 5,561 |
| Average earning assets | $72,175,000 | 5,509 |
| Average equity | $6,541,500 | 6,043 |
| Average total loans | $30,635,000 | 6,193 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2567% | 6,143 |
| Cost of funding earning assets | 1.0515% | 3,591 |
| Net interest margin | 3.2051% | 6,147 |
| Noninterest income to average assets | 0.3625% | 4,976 |
| Noninterest expense to average assets | 2.1461% | 6,510 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1826% | 1,627 |
| Return on assets (ROA) | 1.3194% | 1,347 |
| Pretax return on assets | 1.3351% | 2,015 |
| Return on Equity (ROE) | 15.9992% | 672 |
| Retained earnings to average equity (ytd only) | 7.4621% | 1,675 |
| Net charge-offs to loans | -0.0705% | 7,095 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1966% | 5,204 |
| Assets per employee ($millions) | 4.2746% | 3,208 |
| Cash dividends to net income (ytd only)* | 53.3597% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7826% | 3,051 |
| Loan loss allowance to noncurrent loans | 231.6742% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 6,413 |
| Noncurrent loans to loans | 0.7694% | 5,374 |
| Net loans and leases to total assets | 36.6640% | 6,927 |
| Net loans and leases to deposits | 42.8151% | 6,963 |
| Net loans and leases to core deposits | 43.6248% | 7,021 |
| Total domestic deposits to total assets | 85.6333% | 3,534 |
| Equity capital to assets | 8.9301% | 5,678 |
| Core capital (leverage) ratio | 7.8667% | 6,442 |
| Tier 1 risk-based capital ratio | 15.0790% | 3,455 |
| Total risk-based capital ratio | 16.3297% | 3,421 |
| Memoranda: | ||
| Average total assets | $76,699,000 | 5,629 |
| Average earning assets | $71,323,330 | 5,579 |
| Average equity | $6,325,330 | 6,132 |
| Average total loans | $31,221,000 | 6,232 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3001% | 6,021 |
| Cost of funding earning assets | 1.0848% | 3,623 |
| Net interest margin | 3.2153% | 6,026 |
| Noninterest income to average assets | 0.3656% | 4,985 |
| Noninterest expense to average assets | 2.2147% | 6,387 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1402% | 1,701 |
| Return on assets (ROA) | 1.2850% | 1,355 |
| Pretax return on assets | 1.3006% | 2,041 |
| Return on Equity (ROE) | 16.2577% | 649 |
| Retained earnings to average equity (ytd only) | 6.3445% | 2,445 |
| Net charge-offs to loans | -0.0493% | 6,877 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7364% | 5,078 |
| Assets per employee ($millions) | 4.2468% | 3,351 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6420% | 3,563 |
| Loan loss allowance to noncurrent loans | 237.7358% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.5717% | 5,830 |
| Noncurrent loans to loans | 0.6907% | 5,643 |
| Net loans and leases to total assets | 39.4948% | 6,812 |
| Net loans and leases to deposits | 45.9430% | 6,854 |
| Net loans and leases to core deposits | 48.6653% | 6,847 |
| Total domestic deposits to total assets | 85.9647% | 3,544 |
| Equity capital to assets | 8.2349% | 6,243 |
| Core capital (leverage) ratio | 7.5997% | 6,651 |
| Tier 1 risk-based capital ratio | 14.0462% | 4,043 |
| Total risk-based capital ratio | 15.2657% | 4,042 |
| Memoranda: | ||
| Average total assets | $76,577,500 | 5,681 |
| Average earning assets | $71,533,000 | 5,616 |
| Average equity | $6,052,500 | 6,229 |
| Average total loans | $32,470,500 | 6,211 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5919% | 6,137 |
| Cost of funding earning assets | 1.3265% | 3,710 |
| Net interest margin | 3.2654% | 6,088 |
| Noninterest income to average assets | 0.3549% | 5,272 |
| Noninterest expense to average assets | 2.1202% | 6,797 |
| Loan and lease loss provision to assets | 0.4607% | 3,364 |
| Net operating income to assets | 0.7885% | 2,853 |
| Return on assets (ROA) | 1.1730% | 1,555 |
| Pretax return on assets | 1.1898% | 2,259 |
| Return on Equity (ROE) | 14.4258% | 809 |
| Retained earnings to average equity (ytd only) | 3.9199% | 3,112 |
| Net charge-offs to loans | 0.8998% | 2,394 |
| Credit loss provision to net charge-offs | 117.0492% | 3,657 |
| Earnings coverage of net charge-offs (x) | 3.2066% | 3,476 |
| Efficiency ratio | 62.6860% | 5,586 |
| Assets per employee ($millions) | 4.2618% | 3,279 |
| Cash dividends to net income (ytd only)* | 72.8273% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 4,227 |
| Loan loss allowance to noncurrent loans | 675.6757% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 6,298 |
| Noncurrent loans to loans | 0.2161% | 6,638 |
| Net loans and leases to total assets | 43.9905% | 6,711 |
| Net loans and leases to deposits | 51.4790% | 6,781 |
| Net loans and leases to core deposits | 55.0353% | 6,750 |
| Total domestic deposits to total assets | 85.4534% | 3,628 |
| Equity capital to assets | 7.5738% | 6,838 |
| Core capital (leverage) ratio | 7.3535% | 6,814 |
| Tier 1 risk-based capital ratio | 13.2941% | 4,378 |
| Total risk-based capital ratio | 14.4584% | 4,400 |
| Memoranda: | ||
| Average total assets | $77,492,400 | 5,660 |
| Average earning assets | $71,844,000 | 5,608 |
| Average equity | $6,301,200 | 6,275 |
| Average total loans | $33,897,600 | 6,212 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6329% | 6,248 |
| Cost of funding earning assets | 1.3728% | 3,757 |
| Net interest margin | 3.2601% | 6,145 |
| Noninterest income to average assets | 0.3415% | 5,437 |
| Noninterest expense to average assets | 2.0698% | 6,919 |
| Loan and lease loss provision to assets | 0.3158% | 4,054 |
| Net operating income to assets | 0.9586% | 2,380 |
| Return on assets (ROA) | 1.3936% | 1,196 |
| Pretax return on assets | 1.4073% | 1,861 |
| Return on Equity (ROE) | 16.8531% | 604 |
| Retained earnings to average equity (ytd only) | 7.4718% | 1,608 |
| Net charge-offs to loans | 0.1025% | 5,505 |
| Credit loss provision to net charge-offs | 707.6923% | 418 |
| Earnings coverage of net charge-offs (x) | 28.7658% | 909 |
| Efficiency ratio | 61.7195% | 5,663 |
| Assets per employee ($millions) | 4.3528% | 3,160 |
| Cash dividends to net income (ytd only)* | 55.6649% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8510% | 2,628 |
| Loan loss allowance to noncurrent loans | 166.9421% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 5,605 |
| Noncurrent loans to loans | 1.1088% | 5,028 |
| Net loans and leases to total assets | 41.0116% | 7,024 |
| Net loans and leases to deposits | 47.8668% | 7,092 |
| Net loans and leases to core deposits | 52.2973% | 7,037 |
| Total domestic deposits to total assets | 85.6785% | 3,251 |
| Equity capital to assets | 8.7006% | 6,012 |
| Core capital (leverage) ratio | 7.5016% | 6,843 |
| Tier 1 risk-based capital ratio | 13.5597% | 4,157 |
| Total risk-based capital ratio | 14.8127% | 4,100 |
| Memoranda: | ||
| Average total assets | $77,687,500 | 5,728 |
| Average earning assets | $71,775,000 | 5,674 |
| Average equity | $6,424,000 | 6,310 |
| Average total loans | $33,810,500 | 6,300 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 6,277 |
| Cost of funding earning assets | 1.4153% | 3,778 |
| Net interest margin | 3.2445% | 6,185 |
| Noninterest income to average assets | 0.2866% | 5,851 |
| Noninterest expense to average assets | 2.0551% | 7,009 |
| Loan and lease loss provision to assets | 0.3227% | 3,809 |
| Net operating income to assets | 0.9036% | 2,544 |
| Return on assets (ROA) | 1.3761% | 1,204 |
| Pretax return on assets | 1.3761% | 1,895 |
| Return on Equity (ROE) | 16.9395% | 576 |
| Retained earnings to average equity (ytd only) | 6.2291% | 2,210 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6279% | 5,585 |
| Assets per employee ($millions) | 4.7978% | 2,453 |
| Cash dividends to net income (ytd only)* | 63.2270% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7002% | 3,077 |
| Loan loss allowance to noncurrent loans | 84.8889% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 1.2050% | 4,730 |
| Noncurrent loans to loans | 2.0029% | 3,711 |
| Net loans and leases to total assets | 43.1551% | 6,973 |
| Net loans and leases to deposits | 49.7956% | 7,079 |
| Net loans and leases to core deposits | 53.7400% | 7,054 |
| Total domestic deposits to total assets | 86.6645% | 2,724 |
| Equity capital to assets | 8.4101% | 6,285 |
| Core capital (leverage) ratio | 7.4702% | 6,850 |
| Tier 1 risk-based capital ratio | 13.1057% | 4,358 |
| Total risk-based capital ratio | 14.3565% | 4,311 |
| Memoranda: | ||
| Average total assets | $77,466,330 | 5,767 |
| Average earning assets | $71,506,000 | 5,721 |
| Average equity | $6,293,000 | 6,375 |
| Average total loans | $34,167,670 | 6,322 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7849% | 5,945 |
| Cost of funding earning assets | 1.4555% | 3,832 |
| Net interest margin | 3.3294% | 5,866 |
| Noninterest income to average assets | 0.3855% | 5,041 |
| Noninterest expense to average assets | 2.0869% | 6,980 |
| Loan and lease loss provision to assets | 0.3084% | 3,575 |
| Net operating income to assets | 1.0589% | 1,971 |
| Return on assets (ROA) | 1.3570% | 1,241 |
| Pretax return on assets | 1.3570% | 1,886 |
| Return on Equity (ROE) | 17.0007% | 607 |
| Retained earnings to average equity (ytd only) | 2.7047% | 4,515 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4167% | 6,095 |
| Assets per employee ($millions) | 4.4785% | 2,994 |
| Cash dividends to net income (ytd only)* | 84.0909% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 4,148 |
| Loan loss allowance to noncurrent loans | 100.7937% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 1.0442% | 5,055 |
| Noncurrent loans to loans | 1.4441% | 4,575 |
| Net loans and leases to total assets | 45.1730% | 6,895 |
| Net loans and leases to deposits | 52.1684% | 7,030 |
| Net loans and leases to core deposits | 57.5569% | 6,905 |
| Total domestic deposits to total assets | 86.5907% | 2,850 |
| Equity capital to assets | 8.2972% | 6,305 |
| Core capital (leverage) ratio | 7.2907% | 7,038 |
| Tier 1 risk-based capital ratio | 12.5088% | 4,739 |
| Total risk-based capital ratio | 13.6633% | 4,775 |
| Memoranda: | ||
| Average total assets | $77,817,000 | 5,827 |
| Average earning assets | $71,725,500 | 5,788 |
| Average equity | $6,211,500 | 6,447 |
| Average total loans | $34,401,000 | 6,398 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1142% | 6,028 |
| Cost of funding earning assets | 1.8837% | 3,541 |
| Net interest margin | 3.2305% | 5,990 |
| Noninterest income to average assets | 0.4096% | 5,129 |
| Noninterest expense to average assets | 2.1749% | 7,045 |
| Loan and lease loss provision to assets | 2.1667% | 964 |
| Net operating income to assets | -0.9120% | 6,520 |
| Return on assets (ROA) | -0.2457% | 5,894 |
| Pretax return on assets | -0.2430% | 5,757 |
| Return on Equity (ROE) | -3.1228% | 6,002 |
| Retained earnings to average equity (ytd only) | -9.5767% | 6,485 |
| Net charge-offs to loans | 4.3951% | 339 |
| Credit loss provision to net charge-offs | 107.0128% | 5,183 |
| Earnings coverage of net charge-offs (x) | 0.6210% | 5,478 |
| Efficiency ratio | 63.3652% | 5,898 |
| Assets per employee ($millions) | 4.4167% | 3,073 |
| Cash dividends to net income (ytd only)* | -206.6667% | 7,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 4,638 |
| Loan loss allowance to noncurrent loans | 87.3294% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 1.0113% | 5,091 |
| Noncurrent loans to loans | 1.5132% | 4,391 |
| Net loans and leases to total assets | 42.0805% | 7,247 |
| Net loans and leases to deposits | 48.5883% | 7,333 |
| Net loans and leases to core deposits | 64.6242% | 7,051 |
| Total domestic deposits to total assets | 86.6063% | 2,702 |
| Equity capital to assets | 7.6805% | 6,877 |
| Core capital (leverage) ratio | 7.1165% | 7,145 |
| Tier 1 risk-based capital ratio | 12.1526% | 4,816 |
| Total risk-based capital ratio | 13.1494% | 4,989 |
| Memoranda: | ||
| Average total assets | $73,245,400 | 5,908 |
| Average earning assets | $68,535,200 | 5,851 |
| Average equity | $5,764,000 | 6,687 |
| Average total loans | $33,742,400 | 6,415 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1177% | 6,207 |
| Cost of funding earning assets | 1.9676% | 3,531 |
| Net interest margin | 3.1501% | 6,176 |
| Noninterest income to average assets | 0.4278% | 5,066 |
| Noninterest expense to average assets | 2.0702% | 7,238 |
| Loan and lease loss provision to assets | 2.6933% | 590 |
| Net operating income to assets | -1.3839% | 7,056 |
| Return on assets (ROA) | -0.6361% | 6,566 |
| Pretax return on assets | -0.6250% | 6,419 |
| Return on Equity (ROE) | -8.0301% | 6,732 |
| Retained earnings to average equity (ytd only) | -16.7646% | 7,224 |
| Net charge-offs to loans | 4.6761% | 263 |
| Credit loss provision to net charge-offs | 122.5042% | 4,134 |
| Earnings coverage of net charge-offs (x) | 0.6007% | 5,433 |
| Efficiency ratio | 61.0532% | 6,262 |
| Assets per employee ($millions) | 4.3048% | 3,204 |
| Cash dividends to net income (ytd only)* | -108.7721% | 8,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8809% | 2,084 |
| Loan loss allowance to noncurrent loans | 72.7924% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.1692% | 4,737 |
| Noncurrent loans to loans | 2.5839% | 2,923 |
| Net loans and leases to total assets | 41.0662% | 7,407 |
| Net loans and leases to deposits | 47.6177% | 7,511 |
| Net loans and leases to core deposits | 63.4087% | 7,269 |
| Total domestic deposits to total assets | 86.2416% | 2,568 |
| Equity capital to assets | 7.7123% | 7,137 |
| Core capital (leverage) ratio | 7.1238% | 7,341 |
| Tier 1 risk-based capital ratio | 12.4735% | 4,563 |
| Total risk-based capital ratio | 13.7256% | 4,516 |
| Memoranda: | ||
| Average total assets | $71,681,750 | 5,993 |
| Average earning assets | $67,424,250 | 5,925 |
| Average equity | $5,678,500 | 6,788 |
| Average total loans | $33,702,500 | 6,465 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1674% | 6,201 |
| Cost of funding earning assets | 2.0913% | 3,312 |
| Net interest margin | 3.0761% | 6,314 |
| Noninterest income to average assets | 0.4416% | 4,921 |
| Noninterest expense to average assets | 2.1048% | 7,266 |
| Loan and lease loss provision to assets | 3.9543% | 318 |
| Net operating income to assets | -2.7270% | 7,614 |
| Return on assets (ROA) | -1.5771% | 7,287 |
| Pretax return on assets | -1.5657% | 7,119 |
| Return on Equity (ROE) | -19.7156% | 7,494 |
| Retained earnings to average equity (ytd only) | -28.3905% | 7,663 |
| Net charge-offs to loans | 7.0503% | 132 |
| Credit loss provision to net charge-offs | 114.6301% | 4,037 |
| Earnings coverage of net charge-offs (x) | 0.3591% | 5,324 |
| Efficiency ratio | 62.9503% | 6,090 |
| Assets per employee ($millions) | 4.1634% | 3,368 |
| Cash dividends to net income (ytd only)* | -44.0000% | 7,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5861% | 2,802 |
| Loan loss allowance to noncurrent loans | 48.5981% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 1.5118% | 3,960 |
| Noncurrent loans to loans | 3.2637% | 2,172 |
| Net loans and leases to total assets | 45.5868% | 7,225 |
| Net loans and leases to deposits | 51.9649% | 7,385 |
| Net loans and leases to core deposits | 62.4456% | 7,364 |
| Total domestic deposits to total assets | 87.7262% | 1,915 |
| Equity capital to assets | 7.6381% | 7,143 |
| Core capital (leverage) ratio | 7.5781% | 6,925 |
| Tier 1 risk-based capital ratio | 12.5622% | 4,473 |
| Total risk-based capital ratio | 13.8132% | 4,393 |
| Memoranda: | ||
| Average total assets | $69,746,670 | 6,087 |
| Average earning assets | $65,797,330 | 6,015 |
| Average equity | $5,579,330 | 6,872 |
| Average total loans | $34,126,330 | 6,495 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1907% | 6,331 |
| Cost of funding earning assets | 2.1765% | 3,284 |
| Net interest margin | 3.0141% | 6,444 |
| Noninterest income to average assets | 0.3524% | 5,622 |
| Noninterest expense to average assets | 2.0222% | 7,300 |
| Loan and lease loss provision to assets | 7.2973% | 87 |
| Net operating income to assets | -6.1302% | 8,095 |
| Return on assets (ROA) | -4.2177% | 7,994 |
| Pretax return on assets | -4.2062% | 7,926 |
| Return on Equity (ROE) | -51.5355% | 8,055 |
| Retained earnings to average equity (ytd only) | -59.4423% | 8,070 |
| Net charge-offs to loans | 12.0125% | 43 |
| Credit loss provision to net charge-offs | 120.8612% | 3,260 |
| Earnings coverage of net charge-offs (x) | 0.1952% | 4,823 |
| Efficiency ratio | 63.1769% | 5,841 |
| Assets per employee ($millions) | 4.1879% | 3,278 |
| Cash dividends to net income (ytd only)* | -15.3425% | 8,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6513% | 2,311 |
| Loan loss allowance to noncurrent loans | 47.4662% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 1.7670% | 3,272 |
| Noncurrent loans to loans | 3.4790% | 1,832 |
| Net loans and leases to total assets | 49.9515% | 6,869 |
| Net loans and leases to deposits | 57.6093% | 7,061 |
| Net loans and leases to core deposits | 69.6167% | 7,046 |
| Total domestic deposits to total assets | 86.7074% | 2,359 |
| Equity capital to assets | 8.3141% | 6,367 |
| Core capital (leverage) ratio | 7.5929% | 7,037 |
| Tier 1 risk-based capital ratio | 12.6208% | 4,456 |
| Total risk-based capital ratio | 13.8726% | 4,374 |
| Memoranda: | ||
| Average total assets | $69,231,500 | 6,133 |
| Average earning assets | $65,425,000 | 6,056 |
| Average equity | $5,666,000 | 6,891 |
| Average total loans | $34,797,000 | 6,503 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7109% | 6,742 |
| Cost of funding earning assets | 2.8061% | 2,681 |
| Net interest margin | 2.9047% | 7,146 |
| Noninterest income to average assets | 0.3014% | 6,301 |
| Noninterest expense to average assets | 1.9719% | 7,494 |
| Loan and lease loss provision to assets | 0.6491% | 2,242 |
| Net operating income to assets | 0.4049% | 5,131 |
| Return on assets (ROA) | 0.5781% | 4,266 |
| Pretax return on assets | 0.5882% | 4,728 |
| Return on Equity (ROE) | 7.9425% | 3,099 |
| Retained earnings to average equity (ytd only) | 2.2892% | 3,784 |
| Net charge-offs to loans | 1.0791% | 1,130 |
| Credit loss provision to net charge-offs | 124.7911% | 4,286 |
| Earnings coverage of net charge-offs (x) | 2.0390% | 5,054 |
| Efficiency ratio | 65.0263% | 5,323 |
| Assets per employee ($millions) | 4.4660% | 2,669 |
| Cash dividends to net income (ytd only)* | 71.1779% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 6,277 |
| Loan loss allowance to noncurrent loans | 21.7309% | 7,152 |
| Noncurrent assets plus other real estate owned to assets | 2.2405% | 2,175 |
| Noncurrent loans to loans | 4.4515% | 1,071 |
| Net loans and leases to total assets | 49.2849% | 7,088 |
| Net loans and leases to deposits | 56.6736% | 7,281 |
| Net loans and leases to core deposits | 69.1913% | 7,236 |
| Total domestic deposits to total assets | 86.9626% | 1,950 |
| Equity capital to assets | 8.0623% | 6,757 |
| Core capital (leverage) ratio | 7.1385% | 7,581 |
| Tier 1 risk-based capital ratio | 11.6770% | 5,075 |
| Total risk-based capital ratio | 12.4782% | 5,394 |
| Memoranda: | ||
| Average total assets | $69,020,800 | 6,062 |
| Average earning assets | $64,893,800 | 5,996 |
| Average equity | $5,023,600 | 7,137 |
| Average total loans | $33,268,200 | 6,525 |