Home > First State Bank > Performance and Condition Ratios
First 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 | 5.8224% | 803 |
| Cost of funding earning assets | 0.2630% | 4,401 |
| Net interest margin | 5.5594% | 171 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 4.7405% | 247 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.3109% | 4,010 |
| Return on assets (ROA) | 0.3109% | 4,009 |
| Pretax return on assets | 0.2637% | 4,128 |
| Return on Equity (ROE) | 1.2700% | 4,233 |
| Retained earnings to average equity (ytd only) | 1.2697% | 3,766 |
| 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 | 92.9321% | 333 |
| Assets per employee ($millions) | 3.7075% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5099% | 1,017 |
| Loan loss allowance to noncurrent loans | 322.2222% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 2,733 |
| Noncurrent loans to loans | 0.4686% | 1,612 |
| Net loans and leases to total assets | 25.5100% | 4,356 |
| Net loans and leases to deposits | 33.6440% | 4,312 |
| Net loans and leases to core deposits | 37.2538% | 4,325 |
| Total domestic deposits to total assets | 75.8200% | 3,957 |
| Equity capital to assets | 23.9083% | 209 |
| Core capital (leverage) ratio | 19.2573% | 287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $36,030,000 | 4,426 |
| Average earning assets | $30,794,600 | 4,413 |
| Average equity | $8,820,800 | 3,838 |
| Average total loans | $11,880,400 | 4,392 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7916% | 700 |
| Cost of funding earning assets | 0.1267% | 4,497 |
| Net interest margin | 5.6649% | 148 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 4.8607% | 233 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.3057% | 4,111 |
| Return on assets (ROA) | 0.3057% | 4,115 |
| Pretax return on assets | 0.2125% | 4,244 |
| Return on Equity (ROE) | 1.2400% | 4,289 |
| Retained earnings to average equity (ytd only) | 1.2410% | 3,898 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 93.9372% | 267 |
| Assets per employee ($millions) | 4.3760% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 1,565 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 29.5200% | 4,326 |
| Net loans and leases to deposits | 39.6319% | 4,214 |
| Net loans and leases to core deposits | 41.5534% | 4,225 |
| Total domestic deposits to total assets | 74.5000% | 4,125 |
| Equity capital to assets | 25.1914% | 198 |
| Core capital (leverage) ratio | 19.9172% | 279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $35,768,750 | 4,445 |
| Average earning assets | $30,526,250 | 4,441 |
| Average equity | $8,810,000 | 3,845 |
| Average total loans | $12,449,750 | 4,404 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6970% | 637 |
| Cost of funding earning assets | 0.0455% | 4,551 |
| Net interest margin | 5.6515% | 148 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 4.5638% | 266 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.5941% | 3,584 |
| Return on assets (ROA) | 0.5941% | 3,592 |
| Pretax return on assets | 0.4886% | 3,986 |
| Return on Equity (ROE) | 2.4300% | 4,223 |
| Retained earnings to average equity (ytd only) | 2.4299% | 3,615 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.2353% | 416 |
| Assets per employee ($millions) | 3.1545% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 2,142 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 34.4100% | 4,228 |
| Net loans and leases to deposits | 46.2788% | 4,036 |
| Net loans and leases to core deposits | 47.5695% | 4,083 |
| Total domestic deposits to total assets | 74.3500% | 4,170 |
| Equity capital to assets | 25.4734% | 190 |
| Core capital (leverage) ratio | 20.1609% | 262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $36,022,333 | 4,466 |
| Average earning assets | $30,788,333 | 4,465 |
| Average equity | $8,807,000 | 3,869 |
| Average total loans | $13,106,333 | 4,423 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6456% | 492 |
| Cost of funding earning assets | 0.0381% | 4,592 |
| Net interest margin | 5.6075% | 134 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 4.0017% | 348 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.3848% | 1,448 |
| Return on assets (ROA) | 1.3848% | 1,420 |
| Pretax return on assets | 0.9814% | 3,046 |
| Return on Equity (ROE) | 5.7800% | 3,763 |
| Retained earnings to average equity (ytd only) | 5.7786% | 2,827 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.6344% | 1,031 |
| Assets per employee ($millions) | 3.9587% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 2,924 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 37.4500% | 4,139 |
| Net loans and leases to deposits | 49.9569% | 3,891 |
| Net loans and leases to core deposits | 51.3017% | 3,943 |
| Total domestic deposits to total assets | 74.9600% | 4,226 |
| Equity capital to assets | 24.8569% | 156 |
| Core capital (leverage) ratio | 18.9435% | 306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $36,684,000 | 4,527 |
| Average earning assets | $31,458,000 | 4,527 |
| Average equity | $8,791,000 | 3,914 |
| Average total loans | $13,614,000 | 4,476 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1377% | 3,927 |
| Cost of funding earning assets | 0.0207% | 4,624 |
| Net interest margin | 3.1171% | 3,120 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 3.4750% | 503 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | -0.3874% | 4,636 |
| Return on assets (ROA) | -0.3874% | 4,626 |
| Pretax return on assets | -0.4489% | 4,623 |
| Return on Equity (ROE) | -1.9400% | 4,583 |
| Retained earnings to average equity (ytd only) | -1.9390% | 4,478 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 112.1915% | 82 |
| Assets per employee ($millions) | 3.7740% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 3,131 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 36.0100% | 4,215 |
| Net loans and leases to deposits | 46.9513% | 4,011 |
| Net loans and leases to core deposits | 48.1148% | 4,052 |
| Total domestic deposits to total assets | 76.7000% | 4,205 |
| Equity capital to assets | 23.1214% | 171 |
| Core capital (leverage) ratio | 17.4912% | 354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.8952% | 125 |
| Memoranda: | ||
| Average total assets | $43,885,000 | 4,496 |
| Average earning assets | $38,690,400 | 4,494 |
| Average equity | $8,767,400 | 4,013 |
| Average total loans | $13,083,200 | 4,512 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5851% | 4,405 |
| Cost of funding earning assets | 0.0199% | 4,665 |
| Net interest margin | 2.5652% | 4,145 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 3.3464% | 557 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | -0.7133% | 4,696 |
| Return on assets (ROA) | -0.7133% | 4,685 |
| Pretax return on assets | -0.7926% | 4,681 |
| Return on Equity (ROE) | -3.6900% | 4,647 |
| Retained earnings to average equity (ytd only) | -3.6911% | 4,564 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 127.6451% | 57 |
| Assets per employee ($millions) | 3.5357% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 3,568 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 37.3600% | 4,169 |
| Net loans and leases to deposits | 48.1526% | 3,947 |
| Net loans and leases to core deposits | 49.2961% | 3,982 |
| Total domestic deposits to total assets | 77.5900% | 4,288 |
| Equity capital to assets | 22.2431% | 173 |
| Core capital (leverage) ratio | 16.4633% | 402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.9301% | 143 |
| Memoranda: | ||
| Average total assets | $45,421,250 | 4,520 |
| Average earning assets | $40,229,250 | 4,508 |
| Average equity | $8,777,750 | 4,061 |
| Average total loans | $12,920,250 | 4,545 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9940% | 4,621 |
| Cost of funding earning assets | 0.0141% | 4,734 |
| Net interest margin | 1.9799% | 4,569 |
| Noninterest income to average assets | 0.3025% | 3,349 |
| Noninterest expense to average assets | 3.0128% | 827 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.8320% | 4,706 |
| Return on assets (ROA) | -0.8320% | 4,697 |
| Pretax return on assets | -0.9454% | 4,700 |
| Return on Equity (ROE) | -4.4898% | 4,665 |
| Retained earnings to average equity (ytd only) | -4.4898% | 4,520 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.2927% | 46 |
| Assets per employee ($millions) | 3.8404% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0960% | 3,180 |
| 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 | 31.7207% | 4,410 |
| Net loans and leases to deposits | 41.1151% | 4,224 |
| Net loans and leases to core deposits | 42.1100% | 4,261 |
| Total domestic deposits to total assets | 77.1508% | 4,409 |
| Equity capital to assets | 22.6695% | 120 |
| Core capital (leverage) ratio | 15.8777% | 386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.2664% | 60 |
| Memoranda: | ||
| Average total assets | $47,597,333 | 4,544 |
| Average earning assets | $42,426,333 | 4,548 |
| Average equity | $8,820,000 | 4,119 |
| Average total loans | $12,335,333 | 4,619 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5925% | 4,704 |
| Cost of funding earning assets | 0.0170% | 4,741 |
| Net interest margin | 1.5755% | 4,682 |
| Noninterest income to average assets | 0.2682% | 3,523 |
| Noninterest expense to average assets | 2.3068% | 2,479 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.6208% | 4,717 |
| Return on assets (ROA) | -0.6208% | 4,709 |
| Pretax return on assets | -0.6208% | 4,695 |
| Return on Equity (ROE) | -3.6499% | 4,678 |
| Retained earnings to average equity (ytd only) | -3.6499% | 4,350 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.0909% | 64 |
| Assets per employee ($millions) | 5.4872% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 3,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 23.8392% | 4,615 |
| Net loans and leases to deposits | 29.0655% | 4,573 |
| Net loans and leases to core deposits | 29.5767% | 4,589 |
| Total domestic deposits to total assets | 82.0188% | 4,073 |
| Equity capital to assets | 17.8840% | 231 |
| Core capital (leverage) ratio | 13.4601% | 679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.6328% | 83 |
| Memoranda: | ||
| Average total assets | $52,194,000 | 4,518 |
| Average earning assets | $46,970,000 | 4,519 |
| Average equity | $8,877,000 | 4,169 |
| Average total loans | $12,344,500 | 4,645 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9346% | 4,689 |
| Cost of funding earning assets | 0.0159% | 4,783 |
| Net interest margin | 1.9187% | 4,634 |
| Noninterest income to average assets | 0.2708% | 3,773 |
| Noninterest expense to average assets | 1.9843% | 3,726 |
| Loan and lease loss provision to assets | 0.2475% | 383 |
| Net operating income to assets | -0.2264% | 4,729 |
| Return on assets (ROA) | -0.2264% | 4,733 |
| Pretax return on assets | -0.1777% | 4,726 |
| Return on Equity (ROE) | -2.1997% | 4,739 |
| Retained earnings to average equity (ytd only) | -7.5652% | 4,739 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2925% | 196 |
| Assets per employee ($millions) | 5.5003% | 3,258 |
| Cash dividends to net income (ytd only)* | -243.9252% | 4,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 3,543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 22.9915% | 4,673 |
| Net loans and leases to deposits | 27.4728% | 4,666 |
| Net loans and leases to core deposits | 27.9921% | 4,675 |
| Total domestic deposits to total assets | 83.6882% | 3,641 |
| Equity capital to assets | 16.2209% | 355 |
| Core capital (leverage) ratio | 13.5790% | 682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.8348% | 75 |
| Memoranda: | ||
| Average total assets | $47,271,200 | 4,589 |
| Average earning assets | $43,936,600 | 4,571 |
| Average equity | $4,864,400 | 4,642 |
| Average total loans | $13,763,600 | 4,671 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0818% | 4,746 |
| Cost of funding earning assets | 0.0188% | 4,859 |
| Net interest margin | 2.0629% | 4,646 |
| Noninterest income to average assets | 0.2735% | 3,784 |
| Noninterest expense to average assets | 1.8703% | 4,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2617% | 4,566 |
| Return on assets (ROA) | 0.2617% | 4,589 |
| Pretax return on assets | 0.3352% | 4,561 |
| Return on Equity (ROE) | 3.0822% | 4,456 |
| Retained earnings to average equity (ytd only) | 3.0822% | 3,880 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8000% | 484 |
| Assets per employee ($millions) | 5.1989% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9594% | 3,978 |
| 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 | 28.0188% | 4,646 |
| Net loans and leases to deposits | 30.5944% | 4,690 |
| Net loans and leases to core deposits | 31.2165% | 4,702 |
| Total domestic deposits to total assets | 91.5815% | 217 |
| Equity capital to assets | 8.2966% | 4,350 |
| Core capital (leverage) ratio | 7.2035% | 4,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0564% | 338 |
| Memoranda: | ||
| Average total assets | $45,338,250 | 4,675 |
| Average earning assets | $42,463,000 | 4,649 |
| Average equity | $3,850,000 | 4,783 |
| Average total loans | $14,009,250 | 4,739 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3069% | 4,721 |
| Cost of funding earning assets | 0.0191% | 4,900 |
| Net interest margin | 2.2879% | 4,528 |
| Noninterest income to average assets | 0.2720% | 3,773 |
| Noninterest expense to average assets | 1.9574% | 3,818 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3567% | 4,455 |
| Return on assets (ROA) | 0.3567% | 4,490 |
| Pretax return on assets | 0.4548% | 4,448 |
| Return on Equity (ROE) | 4.1674% | 4,300 |
| Retained earnings to average equity (ytd only) | 4.1674% | 3,468 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1460% | 717 |
| Assets per employee ($millions) | 4.5950% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 4,252 |
| 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 | 31.6823% | 4,598 |
| Net loans and leases to deposits | 34.6553% | 4,664 |
| Net loans and leases to core deposits | 35.3744% | 4,687 |
| Total domestic deposits to total assets | 91.4211% | 248 |
| Equity capital to assets | 8.4266% | 4,256 |
| Core capital (leverage) ratio | 7.0970% | 4,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3890% | 286 |
| Memoranda: | ||
| Average total assets | $44,854,333 | 4,707 |
| Average earning assets | $41,960,333 | 4,686 |
| Average equity | $3,839,333 | 4,814 |
| Average total loans | $14,266,667 | 4,767 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5713% | 4,594 |
| Cost of funding earning assets | 0.0193% | 4,933 |
| Net interest margin | 2.5520% | 4,234 |
| Noninterest income to average assets | 0.2618% | 3,824 |
| Noninterest expense to average assets | 1.9320% | 3,906 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5597% | 4,043 |
| Return on assets (ROA) | 0.5597% | 4,089 |
| Pretax return on assets | 0.7132% | 3,992 |
| Return on Equity (ROE) | 6.4871% | 3,732 |
| Retained earnings to average equity (ytd only) | 6.4871% | 2,733 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0375% | 1,401 |
| Assets per employee ($millions) | 5.1197% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8727% | 4,236 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 31.3085% | 4,653 |
| Net loans and leases to deposits | 34.2075% | 4,724 |
| Net loans and leases to core deposits | 34.9146% | 4,743 |
| Total domestic deposits to total assets | 91.5251% | 237 |
| Equity capital to assets | 8.3643% | 4,220 |
| Core capital (leverage) ratio | 7.8674% | 4,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3262% | 286 |
| Memoranda: | ||
| Average total assets | $44,306,500 | 4,733 |
| Average earning assets | $41,380,000 | 4,716 |
| Average equity | $3,823,000 | 4,841 |
| Average total loans | $14,057,500 | 4,798 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6473% | 4,807 |
| Cost of funding earning assets | 0.0537% | 4,937 |
| Net interest margin | 2.5936% | 4,509 |
| Noninterest income to average assets | 0.2471% | 4,010 |
| Noninterest expense to average assets | 2.1274% | 3,880 |
| Loan and lease loss provision to assets | 0.0328% | 3,988 |
| Net operating income to assets | 0.4067% | 4,230 |
| Return on assets (ROA) | 0.4067% | 4,312 |
| Pretax return on assets | 0.5160% | 4,245 |
| Return on Equity (ROE) | 4.9845% | 3,912 |
| Retained earnings to average equity (ytd only) | 4.9845% | 2,275 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4935% | 925 |
| Assets per employee ($millions) | 4.7262% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 4,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 31.5850% | 4,719 |
| Net loans and leases to deposits | 34.7005% | 4,768 |
| Net loans and leases to core deposits | 35.4823% | 4,785 |
| Total domestic deposits to total assets | 91.0217% | 222 |
| Equity capital to assets | 8.9148% | 4,129 |
| Core capital (leverage) ratio | 7.6519% | 4,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7582% | 270 |
| Memoranda: | ||
| Average total assets | $45,736,200 | 4,702 |
| Average earning assets | $42,836,800 | 4,685 |
| Average equity | $3,731,600 | 4,861 |
| Average total loans | $14,622,200 | 4,813 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9426% | 4,769 |
| Cost of funding earning assets | 0.0611% | 4,973 |
| Net interest margin | 2.8815% | 4,208 |
| Noninterest income to average assets | 0.2378% | 4,068 |
| Noninterest expense to average assets | 2.1918% | 3,699 |
| Loan and lease loss provision to assets | 0.0430% | 3,817 |
| Net operating income to assets | 0.5558% | 3,895 |
| Return on assets (ROA) | 0.5558% | 3,983 |
| Pretax return on assets | 0.7048% | 3,891 |
| Return on Equity (ROE) | 6.9598% | 3,214 |
| Retained earnings to average equity (ytd only) | 6.9598% | 1,710 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5614% | 1,352 |
| Assets per employee ($millions) | 4.9494% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7551% | 4,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 37.4745% | 4,627 |
| Net loans and leases to deposits | 41.0601% | 4,722 |
| Net loans and leases to core deposits | 41.9401% | 4,747 |
| Total domestic deposits to total assets | 91.2673% | 128 |
| Equity capital to assets | 8.5329% | 4,443 |
| Core capital (leverage) ratio | 6.5046% | 5,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2824% | 270 |
| Memoranda: | ||
| Average total assets | $46,536,250 | 4,718 |
| Average earning assets | $43,633,750 | 4,698 |
| Average equity | $3,716,500 | 4,887 |
| Average total loans | $14,887,250 | 4,841 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4383% | 4,498 |
| Cost of funding earning assets | 0.0768% | 5,000 |
| Net interest margin | 3.3615% | 3,218 |
| Noninterest income to average assets | 0.2415% | 4,038 |
| Noninterest expense to average assets | 2.2712% | 3,597 |
| Loan and lease loss provision to assets | 0.0636% | 3,499 |
| Net operating income to assets | 0.8347% | 2,919 |
| Return on assets (ROA) | 0.8347% | 3,039 |
| Pretax return on assets | 1.0593% | 2,839 |
| Return on Equity (ROE) | 10.6823% | 1,748 |
| Retained earnings to average equity (ytd only) | 10.6823% | 660 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9164% | 2,392 |
| Assets per employee ($millions) | 5.1513% | 2,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7082% | 4,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 34.5660% | 4,765 |
| Net loans and leases to deposits | 37.4485% | 4,841 |
| Net loans and leases to core deposits | 38.1326% | 4,850 |
| Total domestic deposits to total assets | 92.3029% | 35 |
| Equity capital to assets | 7.3865% | 4,907 |
| Core capital (leverage) ratio | 6.3145% | 5,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4720% | 324 |
| Memoranda: | ||
| Average total assets | $47,200,000 | 4,728 |
| Average earning assets | $44,266,000 | 4,714 |
| Average equity | $3,688,333 | 4,920 |
| Average total loans | $14,243,000 | 4,878 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7449% | 5,008 |
| Cost of funding earning assets | 0.0950% | 5,047 |
| Net interest margin | 2.6499% | 4,718 |
| Noninterest income to average assets | 0.2486% | 4,059 |
| Noninterest expense to average assets | 2.3089% | 3,752 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3641% | 4,209 |
| Return on assets (ROA) | 0.3641% | 4,248 |
| Pretax return on assets | 0.4174% | 4,262 |
| Return on Equity (ROE) | 4.5179% | 3,814 |
| Retained earnings to average equity (ytd only) | 4.5179% | 2,494 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6906% | 787 |
| Assets per employee ($millions) | 4.6236% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8748% | 4,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 27.4483% | 4,942 |
| Net loans and leases to deposits | 29.8738% | 4,977 |
| Net loans and leases to core deposits | 30.4860% | 4,979 |
| Total domestic deposits to total assets | 91.8808% | 46 |
| Equity capital to assets | 7.8964% | 4,990 |
| Core capital (leverage) ratio | 7.0935% | 5,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1032% | 438 |
| Memoranda: | ||
| Average total assets | $45,043,500 | 4,783 |
| Average earning assets | $42,114,500 | 4,776 |
| Average equity | $3,630,000 | 4,968 |
| Average total loans | $12,398,000 | 4,956 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5769% | 4,798 |
| Cost of funding earning assets | 0.0839% | 5,121 |
| Net interest margin | 3.4930% | 3,469 |
| Noninterest income to average assets | 0.3173% | 3,798 |
| Noninterest expense to average assets | 2.5975% | 3,179 |
| Loan and lease loss provision to assets | 0.0310% | 3,394 |
| Net operating income to assets | 0.7094% | 3,844 |
| Return on assets (ROA) | 0.7094% | 3,905 |
| Pretax return on assets | 0.9106% | 3,712 |
| Return on Equity (ROE) | 7.7412% | 3,270 |
| Retained earnings to average equity (ytd only) | 4.9262% | 2,459 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3965% | 1,673 |
| Assets per employee ($millions) | 4.3851% | 3,397 |
| Cash dividends to net income (ytd only)* | 36.3636% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 3,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 27.0940% | 5,012 |
| Net loans and leases to deposits | 29.5996% | 5,039 |
| Net loans and leases to core deposits | 30.2423% | 5,047 |
| Total domestic deposits to total assets | 91.5350% | 65 |
| Equity capital to assets | 8.2301% | 5,003 |
| Core capital (leverage) ratio | 7.8308% | 5,070 |
| Tier 1 risk-based capital ratio | 25.5216% | 716 |
| Total risk-based capital ratio | 26.4716% | 719 |
| Memoranda: | ||
| Average total assets | $38,767,400 | 4,916 |
| Average earning assets | $35,756,800 | 4,900 |
| Average equity | $3,552,400 | 5,031 |
| Average total loans | $12,790,400 | 5,012 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 4,638 |
| Cost of funding earning assets | 0.0812% | 5,200 |
| Net interest margin | 3.7468% | 2,764 |
| Noninterest income to average assets | 0.3342% | 3,736 |
| Noninterest expense to average assets | 2.6740% | 2,932 |
| Loan and lease loss provision to assets | 0.0178% | 3,555 |
| Net operating income to assets | 0.8570% | 3,495 |
| Return on assets (ROA) | 0.8570% | 3,571 |
| Pretax return on assets | 1.0881% | 3,327 |
| Return on Equity (ROE) | 9.0816% | 2,858 |
| Retained earnings to average equity (ytd only) | 7.1973% | 1,759 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7432% | 2,012 |
| Assets per employee ($millions) | 3.6304% | 4,358 |
| Cash dividends to net income (ytd only)* | 20.7481% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8418% | 4,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 34.0706% | 4,989 |
| Net loans and leases to deposits | 37.9802% | 5,035 |
| Net loans and leases to core deposits | 39.0017% | 5,047 |
| Total domestic deposits to total assets | 89.7064% | 369 |
| Equity capital to assets | 9.9851% | 4,033 |
| Core capital (leverage) ratio | 8.2798% | 5,039 |
| Tier 1 risk-based capital ratio | 23.6540% | 878 |
| Total risk-based capital ratio | 24.4745% | 900 |
| Memoranda: | ||
| Average total assets | $37,496,500 | 5,006 |
| Average earning assets | $34,482,250 | 4,995 |
| Average equity | $3,538,250 | 5,106 |
| Average total loans | $12,989,750 | 5,085 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8481% | 4,643 |
| Cost of funding earning assets | 0.0401% | 5,271 |
| Net interest margin | 3.8080% | 2,563 |
| Noninterest income to average assets | 0.3114% | 3,846 |
| Noninterest expense to average assets | 2.6653% | 3,017 |
| Loan and lease loss provision to assets | 0.0264% | 3,292 |
| Net operating income to assets | 0.8814% | 3,353 |
| Return on assets (ROA) | 0.8814% | 3,418 |
| Pretax return on assets | 1.1242% | 3,162 |
| Return on Equity (ROE) | 9.5175% | 2,623 |
| Retained earnings to average equity (ytd only) | 8.0927% | 1,353 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8479% | 2,246 |
| Assets per employee ($millions) | 3.7138% | 4,223 |
| Cash dividends to net income (ytd only)* | 14.9701% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7785% | 4,516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 36.0332% | 4,975 |
| Net loans and leases to deposits | 39.9916% | 5,054 |
| Net loans and leases to core deposits | 41.0365% | 5,062 |
| Total domestic deposits to total assets | 90.1018% | 308 |
| Equity capital to assets | 9.6290% | 4,292 |
| Core capital (leverage) ratio | 7.5628% | 5,227 |
| Tier 1 risk-based capital ratio | 22.4199% | 1,009 |
| Total risk-based capital ratio | 23.2115% | 1,030 |
| Memoranda: | ||
| Average total assets | $37,894,000 | 5,041 |
| Average earning assets | $34,874,000 | 5,030 |
| Average equity | $3,509,330 | 5,148 |
| Average total loans | $13,161,670 | 5,123 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7683% | 4,754 |
| Cost of funding earning assets | 0.0568% | 5,324 |
| Net interest margin | 3.7115% | 2,850 |
| Noninterest income to average assets | 0.3031% | 3,853 |
| Noninterest expense to average assets | 2.6129% | 3,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8675% | 3,367 |
| Return on assets (ROA) | 0.8675% | 3,414 |
| Pretax return on assets | 1.1079% | 3,126 |
| Return on Equity (ROE) | 9.5512% | 2,569 |
| Retained earnings to average equity (ytd only) | 9.5512% | 1,146 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2247% | 2,302 |
| Assets per employee ($millions) | 3.7654% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7670% | 4,619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 34.3602% | 5,061 |
| Net loans and leases to deposits | 38.0172% | 5,113 |
| Net loans and leases to core deposits | 38.9934% | 5,126 |
| Total domestic deposits to total assets | 90.3808% | 322 |
| Equity capital to assets | 9.3430% | 4,397 |
| Core capital (leverage) ratio | 7.6600% | 5,265 |
| Tier 1 risk-based capital ratio | 23.0393% | 930 |
| Total risk-based capital ratio | 23.8283% | 958 |
| Memoranda: | ||
| Average total assets | $38,272,000 | 5,085 |
| Average earning assets | $35,241,500 | 5,074 |
| Average equity | $3,476,000 | 5,200 |
| Average total loans | $12,999,000 | 5,189 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1909% | 5,153 |
| Cost of funding earning assets | 0.0563% | 5,356 |
| Net interest margin | 3.1346% | 4,599 |
| Noninterest income to average assets | 0.3161% | 4,005 |
| Noninterest expense to average assets | 2.5013% | 3,611 |
| Loan and lease loss provision to assets | 0.0247% | 3,677 |
| Net operating income to assets | 0.5951% | 4,431 |
| Return on assets (ROA) | 0.5951% | 4,442 |
| Pretax return on assets | 0.6766% | 4,472 |
| Return on Equity (ROE) | 7.1382% | 3,776 |
| Retained earnings to average equity (ytd only) | 3.5839% | 3,612 |
| Net charge-offs to loans | 0.1915% | 998 |
| Credit loss provision to net charge-offs | 40.0000% | 3,283 |
| Earnings coverage of net charge-offs (x) | 11.3600% | 2,630 |
| Efficiency ratio | 78.1033% | 1,120 |
| Assets per employee ($millions) | 3.8890% | 4,045 |
| Cash dividends to net income (ytd only)* | 49.7925% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7716% | 4,623 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 33.0676% | 5,146 |
| Net loans and leases to deposits | 36.3852% | 5,190 |
| Net loans and leases to core deposits | 37.2840% | 5,206 |
| Total domestic deposits to total assets | 90.8820% | 234 |
| Equity capital to assets | 8.8300% | 4,707 |
| Core capital (leverage) ratio | 7.4681% | 5,327 |
| Tier 1 risk-based capital ratio | 22.4990% | 970 |
| Total risk-based capital ratio | 23.2923% | 1,004 |
| Memoranda: | ||
| Average total assets | $40,498,800 | 5,092 |
| Average earning assets | $37,293,800 | 5,085 |
| Average equity | $3,376,200 | 5,249 |
| Average total loans | $13,053,000 | 5,231 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0702% | 5,259 |
| Cost of funding earning assets | 0.0567% | 5,424 |
| Net interest margin | 3.0135% | 4,829 |
| Noninterest income to average assets | 0.3162% | 4,035 |
| Noninterest expense to average assets | 2.4514% | 3,730 |
| Loan and lease loss provision to assets | 0.0326% | 3,368 |
| Net operating income to assets | 0.5607% | 4,619 |
| Return on assets (ROA) | 0.5607% | 4,622 |
| Pretax return on assets | 0.6063% | 4,718 |
| Return on Equity (ROE) | 6.8217% | 3,988 |
| Retained earnings to average equity (ytd only) | 3.2522% | 4,116 |
| Net charge-offs to loans | 0.2549% | 660 |
| Credit loss provision to net charge-offs | 40.0000% | 2,906 |
| Earnings coverage of net charge-offs (x) | 7.8407% | 2,770 |
| Efficiency ratio | 79.3249% | 1,009 |
| Assets per employee ($millions) | 4.1776% | 3,603 |
| Cash dividends to net income (ytd only)* | 52.3263% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7850% | 4,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 30.2542% | 5,274 |
| Net loans and leases to deposits | 33.0267% | 5,315 |
| Net loans and leases to core deposits | 33.7788% | 5,322 |
| Total domestic deposits to total assets | 91.6052% | 120 |
| Equity capital to assets | 8.1267% | 5,124 |
| Core capital (leverage) ratio | 6.8015% | 5,438 |
| Tier 1 risk-based capital ratio | 22.7092% | 972 |
| Total risk-based capital ratio | 23.5208% | 995 |
| Memoranda: | ||
| Average total assets | $40,901,000 | 5,148 |
| Average earning assets | $37,651,500 | 5,144 |
| Average equity | $3,361,750 | 5,319 |
| Average total loans | $13,076,250 | 5,298 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0102% | 5,329 |
| Cost of funding earning assets | 0.0483% | 5,490 |
| Net interest margin | 2.9619% | 4,929 |
| Noninterest income to average assets | 0.3398% | 3,911 |
| Noninterest expense to average assets | 2.4773% | 3,688 |
| Loan and lease loss provision to assets | 0.0492% | 2,930 |
| Net operating income to assets | 0.5467% | 4,633 |
| Return on assets (ROA) | 0.5467% | 4,637 |
| Pretax return on assets | 0.5319% | 4,849 |
| Return on Equity (ROE) | 6.6255% | 4,017 |
| Retained earnings to average equity (ytd only) | 4.8349% | 3,158 |
| Net charge-offs to loans | 0.3791% | 415 |
| Credit loss provision to net charge-offs | 40.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 4.7200% | 2,773 |
| Efficiency ratio | 80.9984% | 918 |
| Assets per employee ($millions) | 4.1018% | 3,727 |
| Cash dividends to net income (ytd only)* | 27.0270% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8046% | 4,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 30.0551% | 5,326 |
| Net loans and leases to deposits | 32.8528% | 5,364 |
| Net loans and leases to core deposits | 33.6160% | 5,370 |
| Total domestic deposits to total assets | 91.4842% | 154 |
| Equity capital to assets | 8.2720% | 5,093 |
| Core capital (leverage) ratio | 6.8954% | 5,490 |
| Tier 1 risk-based capital ratio | 23.2554% | 910 |
| Total risk-based capital ratio | 24.0872% | 932 |
| Memoranda: | ||
| Average total assets | $40,609,330 | 5,213 |
| Average earning assets | $37,273,000 | 5,209 |
| Average equity | $3,350,670 | 5,380 |
| Average total loans | $13,188,670 | 5,355 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9116% | 5,410 |
| Cost of funding earning assets | 0.0541% | 5,547 |
| Net interest margin | 2.8575% | 5,086 |
| Noninterest income to average assets | 0.3960% | 3,500 |
| Noninterest expense to average assets | 2.4650% | 3,754 |
| Loan and lease loss provision to assets | 0.0990% | 1,867 |
| Net operating income to assets | 0.6237% | 4,364 |
| Return on assets (ROA) | 0.6237% | 4,376 |
| Pretax return on assets | 0.4455% | 4,967 |
| Return on Equity (ROE) | 7.5687% | 3,546 |
| Retained earnings to average equity (ytd only) | 3.9646% | 3,604 |
| Net charge-offs to loans | 0.7370% | 201 |
| Credit loss provision to net charge-offs | 40.0000% | 2,015 |
| Earnings coverage of net charge-offs (x) | 2.2000% | 2,483 |
| Efficiency ratio | 81.9079% | 954 |
| Assets per employee ($millions) | 4.1841% | 3,678 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7614% | 4,888 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 31.1489% | 5,343 |
| Net loans and leases to deposits | 33.9357% | 5,395 |
| Net loans and leases to core deposits | 34.7056% | 5,410 |
| Total domestic deposits to total assets | 91.7880% | 135 |
| Equity capital to assets | 7.9969% | 5,271 |
| Core capital (leverage) ratio | 7.0484% | 5,544 |
| Tier 1 risk-based capital ratio | 21.6150% | 1,111 |
| Total risk-based capital ratio | 22.4013% | 1,152 |
| Memoranda: | ||
| Average total assets | $40,405,000 | 5,270 |
| Average earning assets | $36,955,500 | 5,268 |
| Average equity | $3,329,500 | 5,438 |
| Average total loans | $13,569,000 | 5,409 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7139% | 5,492 |
| Cost of funding earning assets | 0.0517% | 5,613 |
| Net interest margin | 2.6622% | 5,306 |
| Noninterest income to average assets | 0.7591% | 1,738 |
| Noninterest expense to average assets | 2.5686% | 3,548 |
| Loan and lease loss provision to assets | -0.0390% | 5,372 |
| Net operating income to assets | 0.5277% | 4,301 |
| Return on assets (ROA) | 0.5277% | 4,332 |
| Pretax return on assets | 0.6369% | 4,657 |
| Return on Equity (ROE) | 6.1027% | 3,720 |
| Retained earnings to average equity (ytd only) | 3.4873% | 3,194 |
| Net charge-offs to loans | 1.2212% | 134 |
| Credit loss provision to net charge-offs | -8.9286% | 4,586 |
| Earnings coverage of net charge-offs (x) | 1.3690% | 3,898 |
| Efficiency ratio | 81.1166% | 1,002 |
| Assets per employee ($millions) | 3.8969% | 4,126 |
| Cash dividends to net income (ytd only)* | 42.8571% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8211% | 4,770 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 35.6437% | 5,300 |
| Net loans and leases to deposits | 39.0212% | 5,365 |
| Net loans and leases to core deposits | 39.9770% | 5,389 |
| Total domestic deposits to total assets | 91.3444% | 168 |
| Equity capital to assets | 8.5016% | 5,123 |
| Core capital (leverage) ratio | 7.2336% | 5,583 |
| Tier 1 risk-based capital ratio | 19.0861% | 1,492 |
| Total risk-based capital ratio | 19.8946% | 1,555 |
| Memoranda: | ||
| Average total assets | $38,465,200 | 5,351 |
| Average earning assets | $34,783,600 | 5,353 |
| Average equity | $3,326,400 | 5,497 |
| Average total loans | $13,756,600 | 5,468 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6331% | 5,584 |
| Cost of funding earning assets | 0.0461% | 5,686 |
| Net interest margin | 2.5870% | 5,414 |
| Noninterest income to average assets | 0.9111% | 1,236 |
| Noninterest expense to average assets | 2.5943% | 3,425 |
| Loan and lease loss provision to assets | -0.0522% | 5,530 |
| Net operating income to assets | 0.6781% | 4,091 |
| Return on assets (ROA) | 0.6781% | 4,147 |
| Pretax return on assets | 0.7094% | 4,587 |
| Return on Equity (ROE) | 7.8081% | 3,231 |
| Retained earnings to average equity (ytd only) | 7.8081% | 1,296 |
| Net charge-offs to loans | 1.7622% | 85 |
| Credit loss provision to net charge-offs | -8.2873% | 4,378 |
| Earnings coverage of net charge-offs (x) | 1.0442% | 3,605 |
| Efficiency ratio | 79.7861% | 1,131 |
| Assets per employee ($millions) | 3.6159% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7419% | 5,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 37.7416% | 5,278 |
| Net loans and leases to deposits | 41.7531% | 5,373 |
| Net loans and leases to core deposits | 42.8693% | 5,394 |
| Total domestic deposits to total assets | 90.3924% | 351 |
| Equity capital to assets | 9.3808% | 4,561 |
| Core capital (leverage) ratio | 7.7797% | 5,575 |
| Tier 1 risk-based capital ratio | 20.0416% | 1,354 |
| Total risk-based capital ratio | 20.7733% | 1,439 |
| Memoranda: | ||
| Average total assets | $38,339,250 | 5,412 |
| Average earning assets | $34,686,000 | 5,417 |
| Average equity | $3,329,750 | 5,561 |
| Average total loans | $13,694,500 | 5,533 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5254% | 5,652 |
| Cost of funding earning assets | 0.0565% | 5,710 |
| Net interest margin | 2.4689% | 5,527 |
| Noninterest income to average assets | 0.4710% | 3,213 |
| Noninterest expense to average assets | 2.6212% | 3,365 |
| Loan and lease loss provision to assets | -0.0768% | 5,627 |
| Net operating income to assets | 0.1843% | 5,417 |
| Return on assets (ROA) | 0.8857% | 3,047 |
| Pretax return on assets | 0.8652% | 4,058 |
| Return on Equity (ROE) | 10.4563% | 1,859 |
| Retained earnings to average equity (ytd only) | 10.4563% | 514 |
| Net charge-offs to loans | 2.6615% | 53 |
| Credit loss provision to net charge-offs | -8.2418% | 4,218 |
| Earnings coverage of net charge-offs (x) | 0.0934% | 3,408 |
| Efficiency ratio | 96.7864% | 238 |
| Assets per employee ($millions) | 4.0402% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7766% | 5,000 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 35.8396% | 5,383 |
| Net loans and leases to deposits | 39.6061% | 5,467 |
| Net loans and leases to core deposits | 40.6577% | 5,477 |
| Total domestic deposits to total assets | 90.4901% | 364 |
| Equity capital to assets | 9.2679% | 4,655 |
| Core capital (leverage) ratio | 7.6049% | 5,635 |
| Tier 1 risk-based capital ratio | 21.2920% | 1,145 |
| Total risk-based capital ratio | 22.0754% | 1,191 |
| Memoranda: | ||
| Average total assets | $39,066,000 | 5,441 |
| Average earning assets | $35,400,330 | 5,445 |
| Average equity | $3,309,000 | 5,609 |
| Average total loans | $13,676,330 | 5,581 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4609% | 5,732 |
| Cost of funding earning assets | 0.0544% | 5,777 |
| Net interest margin | 2.4065% | 5,615 |
| Noninterest income to average assets | 1.7220% | 387 |
| Noninterest expense to average assets | 2.5335% | 3,707 |
| Loan and lease loss provision to assets | -0.1484% | 5,776 |
| Net operating income to assets | 1.5933% | 685 |
| Return on assets (ROA) | 1.5933% | 701 |
| Pretax return on assets | 1.5241% | 1,459 |
| Return on Equity (ROE) | 19.6431% | 250 |
| Retained earnings to average equity (ytd only) | 19.6431% | 112 |
| Net charge-offs to loans | 5.2196% | 20 |
| Credit loss provision to net charge-offs | -8.2418% | 3,792 |
| Earnings coverage of net charge-offs (x) | 0.7637% | 2,798 |
| Efficiency ratio | 64.8101% | 3,697 |
| Assets per employee ($millions) | 4.2697% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7755% | 5,125 |
| Loan loss allowance to noncurrent loans | 776.9231% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 5,173 |
| Noncurrent loans to loans | 0.0998% | 4,791 |
| Net loans and leases to total assets | 33.6300% | 5,480 |
| Net loans and leases to deposits | 36.9789% | 5,551 |
| Net loans and leases to core deposits | 37.9018% | 5,578 |
| Total domestic deposits to total assets | 90.9439% | 317 |
| Equity capital to assets | 8.7412% | 5,044 |
| Core capital (leverage) ratio | 6.8614% | 5,773 |
| Tier 1 risk-based capital ratio | 20.8396% | 1,243 |
| Total risk-based capital ratio | 21.6022% | 1,294 |
| Memoranda: | ||
| Average total assets | $40,418,000 | 5,491 |
| Average earning assets | $36,734,000 | 5,485 |
| Average equity | $3,278,500 | 5,673 |
| Average total loans | $13,947,500 | 5,638 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7782% | 5,655 |
| Cost of funding earning assets | 0.0624% | 5,816 |
| Net interest margin | 2.7158% | 5,402 |
| Noninterest income to average assets | 0.4041% | 3,847 |
| Noninterest expense to average assets | 2.5661% | 3,788 |
| Loan and lease loss provision to assets | 0.4289% | 342 |
| Net operating income to assets | -0.1983% | 5,715 |
| Return on assets (ROA) | -0.1983% | 5,729 |
| Pretax return on assets | -0.1091% | 5,699 |
| Return on Equity (ROE) | -2.4369% | 5,742 |
| Retained earnings to average equity (ytd only) | -3.0462% | 5,589 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9175% | 622 |
| Assets per employee ($millions) | 4.7121% | 2,769 |
| Cash dividends to net income (ytd only)* | -25.0000% | 5,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0039% | 654 |
| Loan loss allowance to noncurrent loans | 19.9732% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 3.7044% | 221 |
| Noncurrent loans to loans | 10.0330% | 27 |
| Net loans and leases to total assets | 34.3630% | 5,540 |
| Net loans and leases to deposits | 37.2340% | 5,616 |
| Net loans and leases to core deposits | 38.3621% | 5,631 |
| Total domestic deposits to total assets | 92.2894% | 81 |
| Equity capital to assets | 7.5409% | 5,711 |
| Core capital (leverage) ratio | 6.1928% | 5,851 |
| Tier 1 risk-based capital ratio | 20.9108% | 1,229 |
| Total risk-based capital ratio | 22.1739% | 1,202 |
| Memoranda: | ||
| Average total assets | $40,333,200 | 5,537 |
| Average earning assets | $36,858,000 | 5,527 |
| Average equity | $3,282,800 | 5,728 |
| Average total loans | $16,419,600 | 5,631 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8900% | 5,657 |
| Cost of funding earning assets | 0.0624% | 5,882 |
| Net interest margin | 2.8276% | 5,309 |
| Noninterest income to average assets | 0.4186% | 3,790 |
| Noninterest expense to average assets | 2.6456% | 3,514 |
| Loan and lease loss provision to assets | 0.1273% | 1,840 |
| Net operating income to assets | 0.1273% | 5,591 |
| Return on assets (ROA) | 0.1273% | 5,645 |
| Pretax return on assets | 0.2244% | 5,539 |
| Return on Equity (ROE) | 1.5336% | 5,554 |
| Retained earnings to average equity (ytd only) | 0.7264% | 5,170 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2682% | 663 |
| Assets per employee ($millions) | 4.6192% | 2,893 |
| Cash dividends to net income (ytd only)* | 52.6347% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 4,516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 39.6339% | 5,397 |
| Net loans and leases to deposits | 43.1663% | 5,540 |
| Net loans and leases to core deposits | 44.5084% | 5,563 |
| Total domestic deposits to total assets | 91.8168% | 85 |
| Equity capital to assets | 7.9835% | 5,744 |
| Core capital (leverage) ratio | 6.5923% | 5,906 |
| Tier 1 risk-based capital ratio | 17.8141% | 1,974 |
| Total risk-based capital ratio | 18.8828% | 1,995 |
| Memoranda: | ||
| Average total assets | $39,814,250 | 5,600 |
| Average earning assets | $36,308,000 | 5,591 |
| Average equity | $3,304,000 | 5,786 |
| Average total loans | $16,806,750 | 5,677 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9252% | 5,710 |
| Cost of funding earning assets | 0.0618% | 5,965 |
| Net interest margin | 2.8635% | 5,321 |
| Noninterest income to average assets | 0.4130% | 3,794 |
| Noninterest expense to average assets | 2.7327% | 3,266 |
| Loan and lease loss provision to assets | 0.1020% | 2,145 |
| Net operating income to assets | 0.0918% | 5,674 |
| Return on assets (ROA) | 0.0918% | 5,721 |
| Pretax return on assets | 0.1784% | 5,644 |
| Return on Equity (ROE) | 1.0912% | 5,673 |
| Retained earnings to average equity (ytd only) | -0.1212% | 5,308 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6937% | 565 |
| Assets per employee ($millions) | 4.2009% | 3,566 |
| Cash dividends to net income (ytd only)* | 111.1111% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 4,921 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 37.5396% | 5,537 |
| Net loans and leases to deposits | 40.8264% | 5,660 |
| Net loans and leases to core deposits | 42.0791% | 5,680 |
| Total domestic deposits to total assets | 91.9493% | 92 |
| Equity capital to assets | 7.8555% | 5,847 |
| Core capital (leverage) ratio | 6.6885% | 5,965 |
| Tier 1 risk-based capital ratio | 18.7526% | 1,750 |
| Total risk-based capital ratio | 19.7608% | 1,764 |
| Memoranda: | ||
| Average total assets | $39,228,000 | 5,672 |
| Average earning assets | $35,621,000 | 5,672 |
| Average equity | $3,299,000 | 5,853 |
| Average total loans | $16,862,330 | 5,741 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1394% | 5,566 |
| Cost of funding earning assets | 0.0581% | 6,030 |
| Net interest margin | 3.0813% | 4,912 |
| Noninterest income to average assets | 0.4229% | 3,664 |
| Noninterest expense to average assets | 2.8543% | 2,870 |
| Loan and lease loss provision to assets | 0.0529% | 2,881 |
| Net operating income to assets | 0.2114% | 5,508 |
| Return on assets (ROA) | 0.2114% | 5,572 |
| Pretax return on assets | 0.3171% | 5,482 |
| Return on Equity (ROE) | 2.4253% | 5,394 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,105 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5246% | 775 |
| Assets per employee ($millions) | 3.7490% | 4,394 |
| Cash dividends to net income (ytd only)* | 100.0000% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7594% | 5,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 45.3161% | 5,168 |
| Net loans and leases to deposits | 49.8021% | 5,352 |
| Net loans and leases to core deposits | 51.5396% | 5,376 |
| Total domestic deposits to total assets | 90.9923% | 278 |
| Equity capital to assets | 8.8023% | 5,337 |
| Core capital (leverage) ratio | 7.2642% | 5,963 |
| Tier 1 risk-based capital ratio | 17.2086% | 2,210 |
| Total risk-based capital ratio | 18.0375% | 2,310 |
| Memoranda: | ||
| Average total assets | $37,837,500 | 5,763 |
| Average earning assets | $34,401,500 | 5,752 |
| Average equity | $3,298,500 | 5,907 |
| Average total loans | $17,336,000 | 5,777 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9121% | 5,799 |
| Cost of funding earning assets | 0.0583% | 6,092 |
| Net interest margin | 2.8538% | 5,415 |
| Noninterest income to average assets | 0.3742% | 4,230 |
| Noninterest expense to average assets | 2.6077% | 3,894 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2608% | 5,459 |
| Return on assets (ROA) | 0.2608% | 5,534 |
| Pretax return on assets | 0.3670% | 5,388 |
| Return on Equity (ROE) | 3.2813% | 5,202 |
| Retained earnings to average equity (ytd only) | 0.6076% | 5,273 |
| Net charge-offs to loans | 0.0822% | 2,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 10.1333% | 2,730 |
| Efficiency ratio | 87.6623% | 854 |
| Assets per employee ($millions) | 4.2428% | 3,501 |
| Cash dividends to net income (ytd only)* | 81.4815% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7121% | 5,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 45.6410% | 5,181 |
| Net loans and leases to deposits | 50.0416% | 5,390 |
| Net loans and leases to core deposits | 51.7505% | 5,421 |
| Total domestic deposits to total assets | 91.2060% | 238 |
| Equity capital to assets | 8.6343% | 5,438 |
| Core capital (leverage) ratio | 6.9682% | 6,056 |
| Tier 1 risk-based capital ratio | 15.9205% | 2,727 |
| Total risk-based capital ratio | 16.6578% | 2,919 |
| Memoranda: | ||
| Average total assets | $41,416,200 | 5,734 |
| Average earning assets | $37,739,200 | 5,736 |
| Average equity | $3,291,400 | 5,956 |
| Average total loans | $18,249,600 | 5,787 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9089% | 5,884 |
| Cost of funding earning assets | 0.0553% | 6,183 |
| Net interest margin | 2.8535% | 5,488 |
| Noninterest income to average assets | 0.3600% | 4,359 |
| Noninterest expense to average assets | 2.5830% | 3,935 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2716% | 5,531 |
| Return on assets (ROA) | 0.2716% | 5,608 |
| Pretax return on assets | 0.3821% | 5,500 |
| Return on Equity (ROE) | 3.4851% | 5,222 |
| Retained earnings to average equity (ytd only) | 0.8511% | 5,363 |
| Net charge-offs to loans | 0.0072% | 3,917 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 121.3008% | 529 |
| Efficiency ratio | 87.1140% | 927 |
| Assets per employee ($millions) | 3.9844% | 3,904 |
| Cash dividends to net income (ytd only)* | 75.5800% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7895% | 5,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 43.8410% | 5,366 |
| Net loans and leases to deposits | 47.9022% | 5,575 |
| Net loans and leases to core deposits | 48.8397% | 5,616 |
| Total domestic deposits to total assets | 91.5219% | 153 |
| Equity capital to assets | 8.2923% | 5,832 |
| Core capital (leverage) ratio | 6.4853% | 6,171 |
| Tier 1 risk-based capital ratio | 16.6718% | 2,493 |
| Total risk-based capital ratio | 17.5298% | 2,634 |
| Memoranda: | ||
| Average total assets | $42,224,000 | 5,795 |
| Average earning assets | $38,547,500 | 5,790 |
| Average equity | $3,290,000 | 6,035 |
| Average total loans | $18,423,750 | 5,854 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8631% | 5,973 |
| Cost of funding earning assets | 0.0509% | 6,270 |
| Net interest margin | 2.8121% | 5,588 |
| Noninterest income to average assets | 0.3301% | 4,596 |
| Noninterest expense to average assets | 2.5106% | 4,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2743% | 5,521 |
| Return on assets (ROA) | 0.2743% | 5,604 |
| Pretax return on assets | 0.3859% | 5,499 |
| Return on Equity (ROE) | 3.5917% | 5,180 |
| Retained earnings to average equity (ytd only) | 0.8523% | 5,223 |
| Net charge-offs to loans | 0.0107% | 3,538 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 688 |
| Efficiency ratio | 86.6774% | 1,002 |
| Assets per employee ($millions) | 4.5551% | 2,894 |
| Cash dividends to net income (ytd only)* | 76.2712% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7660% | 5,679 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 39.5315% | 5,657 |
| Net loans and leases to deposits | 42.6777% | 5,815 |
| Net loans and leases to core deposits | 43.3977% | 5,853 |
| Total domestic deposits to total assets | 92.6280% | 73 |
| Equity capital to assets | 7.2315% | 6,159 |
| Core capital (leverage) ratio | 6.5119% | 6,240 |
| Tier 1 risk-based capital ratio | 15.6524% | 3,021 |
| Total risk-based capital ratio | 16.4603% | 3,180 |
| Memoranda: | ||
| Average total assets | $43,017,330 | 5,841 |
| Average earning assets | $39,258,670 | 5,834 |
| Average equity | $3,285,330 | 6,094 |
| Average total loans | $18,696,000 | 5,899 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9831% | 5,912 |
| Cost of funding earning assets | 0.0527% | 6,341 |
| Net interest margin | 2.9304% | 5,382 |
| Noninterest income to average assets | 0.3257% | 4,580 |
| Noninterest expense to average assets | 2.6155% | 3,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2683% | 5,508 |
| Return on assets (ROA) | 0.2683% | 5,604 |
| Pretax return on assets | 0.3736% | 5,490 |
| Return on Equity (ROE) | 3.4136% | 5,208 |
| Retained earnings to average equity (ytd only) | 0.3657% | 5,252 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5000% | 1,054 |
| Assets per employee ($millions) | 4.1802% | 3,593 |
| Cash dividends to net income (ytd only)* | 89.2857% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7532% | 5,804 |
| 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 | 44.4476% | 5,319 |
| Net loans and leases to deposits | 48.3112% | 5,549 |
| Net loans and leases to core deposits | 49.2068% | 5,628 |
| Total domestic deposits to total assets | 92.0028% | 144 |
| Equity capital to assets | 7.8537% | 6,087 |
| Core capital (leverage) ratio | 6.5467% | 6,289 |
| Tier 1 risk-based capital ratio | 15.2153% | 3,310 |
| Total risk-based capital ratio | 16.0152% | 3,497 |
| Memoranda: | ||
| Average total assets | $41,750,500 | 5,922 |
| Average earning assets | $37,947,000 | 5,925 |
| Average equity | $3,281,000 | 6,157 |
| Average total loans | $18,971,000 | 5,941 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9428% | 6,102 |
| Cost of funding earning assets | 0.0608% | 6,419 |
| Net interest margin | 2.8820% | 5,678 |
| Noninterest income to average assets | 0.3956% | 4,213 |
| Noninterest expense to average assets | 2.6026% | 4,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3039% | 5,506 |
| Return on assets (ROA) | 0.3039% | 5,579 |
| Pretax return on assets | 0.4245% | 5,432 |
| Return on Equity (ROE) | 3.8662% | 5,176 |
| Retained earnings to average equity (ytd only) | 1.0126% | 5,317 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9761% | 1,173 |
| Assets per employee ($millions) | 3.7908% | 4,360 |
| Cash dividends to net income (ytd only)* | 73.8095% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7336% | 5,916 |
| 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 | 45.7565% | 5,344 |
| Net loans and leases to deposits | 49.7484% | 5,589 |
| Net loans and leases to core deposits | 50.6733% | 5,687 |
| Total domestic deposits to total assets | 91.9758% | 148 |
| Equity capital to assets | 7.8635% | 6,122 |
| Core capital (leverage) ratio | 6.4966% | 6,368 |
| Tier 1 risk-based capital ratio | 14.3300% | 3,879 |
| Total risk-based capital ratio | 15.0842% | 4,150 |
| Memoranda: | ||
| Average total assets | $41,458,600 | 6,000 |
| Average earning assets | $37,855,000 | 5,991 |
| Average equity | $3,259,000 | 6,221 |
| Average total loans | $19,018,200 | 6,000 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9056% | 6,202 |
| Cost of funding earning assets | 0.0599% | 6,506 |
| Net interest margin | 2.8458% | 5,794 |
| Noninterest income to average assets | 0.3511% | 4,633 |
| Noninterest expense to average assets | 2.5765% | 4,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2673% | 5,688 |
| Return on assets (ROA) | 0.2673% | 5,752 |
| Pretax return on assets | 0.3768% | 5,634 |
| Return on Equity (ROE) | 3.4007% | 5,394 |
| Retained earnings to average equity (ytd only) | 0.9425% | 5,504 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2410% | 1,075 |
| Assets per employee ($millions) | 3.6695% | 4,539 |
| Cash dividends to net income (ytd only)* | 72.2935% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7522% | 5,989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 5,237 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 45.7624% | 5,399 |
| Net loans and leases to deposits | 49.8583% | 5,662 |
| Net loans and leases to core deposits | 50.8185% | 5,749 |
| Total domestic deposits to total assets | 91.7850% | 184 |
| Equity capital to assets | 8.0986% | 6,081 |
| Core capital (leverage) ratio | 6.7392% | 6,412 |
| Tier 1 risk-based capital ratio | 14.6626% | 3,778 |
| Total risk-based capital ratio | 15.4320% | 4,022 |
| Memoranda: | ||
| Average total assets | $41,398,500 | 6,075 |
| Average earning assets | $37,856,750 | 6,061 |
| Average equity | $3,254,000 | 6,294 |
| Average total loans | $18,967,500 | 6,064 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9013% | 6,255 |
| Cost of funding earning assets | 0.0575% | 6,572 |
| Net interest margin | 2.8438% | 5,829 |
| Noninterest income to average assets | 0.3546% | 4,590 |
| Noninterest expense to average assets | 2.5202% | 4,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3066% | 5,545 |
| Return on assets (ROA) | 0.3066% | 5,617 |
| Pretax return on assets | 0.4408% | 5,446 |
| Return on Equity (ROE) | 3.9397% | 5,171 |
| Retained earnings to average equity (ytd only) | 0.2462% | 5,619 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1133% | 1,367 |
| Assets per employee ($millions) | 3.9608% | 3,925 |
| Cash dividends to net income (ytd only)* | 93.7500% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7809% | 6,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 5,334 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 44.9126% | 5,470 |
| Net loans and leases to deposits | 48.9826% | 5,706 |
| Net loans and leases to core deposits | 49.9453% | 5,795 |
| Total domestic deposits to total assets | 91.6911% | 222 |
| Equity capital to assets | 8.2079% | 6,022 |
| Core capital (leverage) ratio | 6.5683% | 6,491 |
| Tier 1 risk-based capital ratio | 15.3428% | 3,447 |
| Total risk-based capital ratio | 16.1533% | 3,634 |
| Memoranda: | ||
| Average total assets | $41,743,000 | 6,115 |
| Average earning assets | $38,258,330 | 6,097 |
| Average equity | $3,249,000 | 6,344 |
| Average total loans | $19,086,000 | 6,113 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8546% | 6,358 |
| Cost of funding earning assets | 0.0610% | 6,646 |
| Net interest margin | 2.7937% | 5,947 |
| Noninterest income to average assets | 0.3644% | 4,476 |
| Noninterest expense to average assets | 2.4200% | 4,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3551% | 5,296 |
| Return on assets (ROA) | 0.3551% | 5,352 |
| Pretax return on assets | 0.5139% | 5,125 |
| Return on Equity (ROE) | 4.6798% | 4,700 |
| Retained earnings to average equity (ytd only) | 0.3695% | 5,424 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4841% | 1,867 |
| Assets per employee ($millions) | 4.1031% | 3,714 |
| Cash dividends to net income (ytd only)* | 92.1053% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7243% | 6,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 5,459 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 46.7671% | 5,250 |
| Net loans and leases to deposits | 50.8803% | 5,532 |
| Net loans and leases to core deposits | 51.8425% | 5,628 |
| Total domestic deposits to total assets | 91.9159% | 265 |
| Equity capital to assets | 7.9184% | 6,103 |
| Core capital (leverage) ratio | 6.5025% | 6,537 |
| Tier 1 risk-based capital ratio | 14.2373% | 4,173 |
| Total risk-based capital ratio | 14.9901% | 4,465 |
| Memoranda: | ||
| Average total assets | $42,810,500 | 6,143 |
| Average earning assets | $39,375,000 | 6,118 |
| Average equity | $3,248,000 | 6,400 |
| Average total loans | $19,664,500 | 6,149 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1927% | 6,135 |
| Cost of funding earning assets | 0.0692% | 6,729 |
| Net interest margin | 3.1236% | 5,246 |
| Noninterest income to average assets | 0.3838% | 4,566 |
| Noninterest expense to average assets | 2.6365% | 4,331 |
| Loan and lease loss provision to assets | 0.0025% | 5,059 |
| Net operating income to assets | 0.3855% | 5,191 |
| Return on assets (ROA) | 0.3838% | 5,312 |
| Pretax return on assets | 0.5745% | 4,954 |
| Return on Equity (ROE) | 4.7524% | 4,746 |
| Retained earnings to average equity (ytd only) | 1.9569% | 4,840 |
| Net charge-offs to loans | 0.0157% | 5,131 |
| Credit loss provision to net charge-offs | 33.3333% | 4,174 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 564 |
| Efficiency ratio | 81.9813% | 1,877 |
| Assets per employee ($millions) | 4.4590% | 2,974 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7050% | 6,341 |
| Loan loss allowance to noncurrent loans | 2,820.0000% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 5,573 |
| Noncurrent loans to loans | 0.0250% | 6,182 |
| Net loans and leases to total assets | 44.5369% | 5,624 |
| Net loans and leases to deposits | 48.1104% | 5,890 |
| Net loans and leases to core deposits | 48.9403% | 5,989 |
| Total domestic deposits to total assets | 92.5723% | 183 |
| Equity capital to assets | 7.2819% | 6,370 |
| Core capital (leverage) ratio | 7.1171% | 6,498 |
| Tier 1 risk-based capital ratio | 13.7983% | 4,440 |
| Total risk-based capital ratio | 14.5339% | 4,739 |
| Memoranda: | ||
| Average total assets | $39,863,800 | 6,292 |
| Average earning assets | $36,144,400 | 6,284 |
| Average equity | $3,219,400 | 6,493 |
| Average total loans | $19,117,800 | 6,248 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2732% | 6,102 |
| Cost of funding earning assets | 0.0726% | 6,813 |
| Net interest margin | 3.2006% | 4,998 |
| Noninterest income to average assets | 0.4033% | 4,514 |
| Noninterest expense to average assets | 2.7264% | 3,918 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3895% | 5,286 |
| Return on assets (ROA) | 0.3895% | 5,421 |
| Pretax return on assets | 0.5653% | 5,151 |
| Return on Equity (ROE) | 4.6898% | 4,880 |
| Retained earnings to average equity (ytd only) | 2.6148% | 4,761 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8272% | 1,723 |
| Assets per employee ($millions) | 4.0817% | 3,673 |
| Cash dividends to net income (ytd only)* | 44.2520% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7123% | 6,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2450% | 5,707 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 48.4920% | 5,300 |
| Net loans and leases to deposits | 52.7743% | 5,649 |
| Net loans and leases to core deposits | 53.7780% | 5,783 |
| Total domestic deposits to total assets | 91.8857% | 261 |
| Equity capital to assets | 7.9477% | 6,180 |
| Core capital (leverage) ratio | 6.9362% | 6,599 |
| Tier 1 risk-based capital ratio | 13.6714% | 4,651 |
| Total risk-based capital ratio | 14.4053% | 4,961 |
| Memoranda: | ||
| Average total assets | $38,682,250 | 6,396 |
| Average earning assets | $34,909,250 | 6,392 |
| Average equity | $3,212,500 | 6,568 |
| Average total loans | $18,897,250 | 6,321 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2914% | 6,101 |
| Cost of funding earning assets | 0.0818% | 6,845 |
| Net interest margin | 3.2095% | 4,914 |
| Noninterest income to average assets | 0.4214% | 4,367 |
| Noninterest expense to average assets | 2.8022% | 3,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3406% | 5,443 |
| Return on assets (ROA) | 0.3371% | 5,625 |
| Pretax return on assets | 0.5057% | 5,352 |
| Return on Equity (ROE) | 3.9975% | 5,219 |
| Retained earnings to average equity (ytd only) | 2.7483% | 4,566 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5787% | 1,567 |
| Assets per employee ($millions) | 4.1331% | 3,509 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7630% | 6,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 5,686 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 49.6478% | 5,144 |
| Net loans and leases to deposits | 54.4875% | 5,476 |
| Net loans and leases to core deposits | 55.6366% | 5,625 |
| Total domestic deposits to total assets | 91.1178% | 505 |
| Equity capital to assets | 8.6860% | 5,571 |
| Core capital (leverage) ratio | 7.0946% | 6,587 |
| Tier 1 risk-based capital ratio | 14.5921% | 4,034 |
| Total risk-based capital ratio | 15.3812% | 4,296 |
| Memoranda: | ||
| Average total assets | $37,970,670 | 6,458 |
| Average earning assets | $34,210,670 | 6,457 |
| Average equity | $3,202,000 | 6,619 |
| Average total loans | $18,551,330 | 6,374 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2352% | 6,257 |
| Cost of funding earning assets | 0.0812% | 6,935 |
| Net interest margin | 3.1540% | 5,078 |
| Noninterest income to average assets | 0.4171% | 4,330 |
| Noninterest expense to average assets | 2.7948% | 3,721 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3233% | 5,479 |
| Return on assets (ROA) | 0.3233% | 5,612 |
| Pretax return on assets | 0.4588% | 5,392 |
| Return on Equity (ROE) | 3.8902% | 5,152 |
| Retained earnings to average equity (ytd only) | 3.8902% | 3,902 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8974% | 1,532 |
| Assets per employee ($millions) | 4.1264% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7679% | 6,507 |
| Loan loss allowance to noncurrent loans | 4,733.3333% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 5,737 |
| Noncurrent loans to loans | 0.0162% | 6,451 |
| Net loans and leases to total assets | 49.4103% | 5,063 |
| Net loans and leases to deposits | 54.1617% | 5,422 |
| Net loans and leases to core deposits | 54.8088% | 5,616 |
| Total domestic deposits to total assets | 91.2273% | 435 |
| Equity capital to assets | 8.6219% | 5,889 |
| Core capital (leverage) ratio | 6.9266% | 6,663 |
| Tier 1 risk-based capital ratio | 14.4039% | 4,239 |
| Total risk-based capital ratio | 15.1924% | 4,509 |
| Memoranda: | ||
| Average total assets | $38,357,000 | 6,505 |
| Average earning assets | $34,496,000 | 6,510 |
| Average equity | $3,187,500 | 6,682 |
| Average total loans | $18,522,000 | 6,425 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3441% | 6,543 |
| Cost of funding earning assets | 0.1275% | 6,963 |
| Net interest margin | 3.2166% | 5,530 |
| Noninterest income to average assets | 0.4069% | 4,551 |
| Noninterest expense to average assets | 2.7642% | 4,169 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4274% | 4,976 |
| Return on assets (ROA) | 0.4274% | 5,228 |
| Pretax return on assets | 0.5477% | 5,142 |
| Return on Equity (ROE) | 5.3667% | 4,492 |
| Retained earnings to average equity (ytd only) | 4.8846% | 2,781 |
| Net charge-offs to loans | 0.0053% | 5,894 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 214.0000% | 202 |
| Efficiency ratio | 83.4621% | 1,694 |
| Assets per employee ($millions) | 4.3973% | 3,152 |
| Cash dividends to net income (ytd only)* | 8.9820% | 4,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7654% | 6,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 5,914 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 46.5181% | 5,569 |
| Net loans and leases to deposits | 50.6228% | 5,909 |
| Net loans and leases to core deposits | 51.1858% | 6,078 |
| Total domestic deposits to total assets | 91.8916% | 265 |
| Equity capital to assets | 8.0175% | 6,397 |
| Core capital (leverage) ratio | 6.6246% | 6,772 |
| Tier 1 risk-based capital ratio | 14.1095% | 4,303 |
| Total risk-based capital ratio | 14.8915% | 4,593 |
| Memoranda: | ||
| Average total assets | $39,071,600 | 6,531 |
| Average earning assets | $35,286,000 | 6,524 |
| Average equity | $3,111,800 | 6,762 |
| Average total loans | $18,752,200 | 6,478 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3810% | 6,650 |
| Cost of funding earning assets | 0.1401% | 7,058 |
| Net interest margin | 3.2409% | 5,578 |
| Noninterest income to average assets | 0.4006% | 4,634 |
| Noninterest expense to average assets | 2.7628% | 4,117 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4553% | 5,016 |
| Return on assets (ROA) | 0.4553% | 5,258 |
| Pretax return on assets | 0.5683% | 5,258 |
| Return on Equity (ROE) | 5.7268% | 4,473 |
| Retained earnings to average equity (ytd only) | 5.7268% | 2,879 |
| Net charge-offs to loans | 0.0071% | 5,639 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 166.4135% | 267 |
| Efficiency ratio | 82.9394% | 1,707 |
| Assets per employee ($millions) | 3.7904% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7617% | 6,670 |
| Loan loss allowance to noncurrent loans | 14,200.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 5,786 |
| Noncurrent loans to loans | 0.0054% | 6,677 |
| Net loans and leases to total assets | 48.8075% | 5,453 |
| Net loans and leases to deposits | 53.3356% | 5,864 |
| Net loans and leases to core deposits | 53.9579% | 6,050 |
| Total domestic deposits to total assets | 91.5101% | 284 |
| Equity capital to assets | 8.3263% | 6,403 |
| Core capital (leverage) ratio | 6.3931% | 6,904 |
| Tier 1 risk-based capital ratio | 14.0157% | 4,506 |
| Total risk-based capital ratio | 14.7983% | 4,812 |
| Memoranda: | ||
| Average total assets | $38,945,500 | 6,620 |
| Average earning assets | $35,215,250 | 6,606 |
| Average equity | $3,096,500 | 6,849 |
| Average total loans | $18,802,250 | 6,562 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3688% | 6,754 |
| Cost of funding earning assets | 0.1462% | 7,126 |
| Net interest margin | 3.2226% | 5,666 |
| Noninterest income to average assets | 0.3970% | 4,676 |
| Noninterest expense to average assets | 2.7435% | 4,240 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4836% | 4,896 |
| Return on assets (ROA) | 0.4836% | 5,144 |
| Pretax return on assets | 0.5701% | 5,248 |
| Return on Equity (ROE) | 6.1755% | 4,226 |
| Retained earnings to average equity (ytd only) | 6.1755% | 2,585 |
| Net charge-offs to loans | 0.0212% | 5,105 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 671 |
| Efficiency ratio | 82.7957% | 1,777 |
| Assets per employee ($millions) | 4.1393% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7560% | 6,751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 45.0342% | 5,923 |
| Net loans and leases to deposits | 48.7691% | 6,263 |
| Net loans and leases to core deposits | 49.2848% | 6,382 |
| Total domestic deposits to total assets | 92.3417% | 179 |
| Equity capital to assets | 7.5351% | 6,786 |
| Core capital (leverage) ratio | 6.1365% | 6,971 |
| Tier 1 risk-based capital ratio | 13.8207% | 4,581 |
| Total risk-based capital ratio | 14.6041% | 4,891 |
| Memoranda: | ||
| Average total assets | $39,292,670 | 6,657 |
| Average earning assets | $35,561,670 | 6,639 |
| Average equity | $3,076,670 | 6,893 |
| Average total loans | $18,855,670 | 6,606 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5285% | 6,659 |
| Cost of funding earning assets | 0.1741% | 7,143 |
| Net interest margin | 3.3544% | 5,293 |
| Noninterest income to average assets | 0.4184% | 4,531 |
| Noninterest expense to average assets | 2.8032% | 4,021 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5962% | 4,355 |
| Return on assets (ROA) | 0.5962% | 4,573 |
| Pretax return on assets | 0.6380% | 4,980 |
| Return on Equity (ROE) | 7.4620% | 3,523 |
| Retained earnings to average equity (ytd only) | 7.4620% | 2,197 |
| Net charge-offs to loans | 0.0423% | 4,103 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 30.5000% | 908 |
| Efficiency ratio | 81.4590% | 2,013 |
| Assets per employee ($millions) | 4.0057% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7611% | 6,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3420% | 6,027 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 46.2216% | 5,757 |
| Net loans and leases to deposits | 50.1666% | 6,128 |
| Net loans and leases to core deposits | 50.7163% | 6,294 |
| Total domestic deposits to total assets | 92.1362% | 236 |
| Equity capital to assets | 7.6990% | 6,691 |
| Core capital (leverage) ratio | 6.5099% | 6,968 |
| Tier 1 risk-based capital ratio | 13.7002% | 4,678 |
| Total risk-based capital ratio | 14.4888% | 5,020 |
| Memoranda: | ||
| Average total assets | $38,242,500 | 6,728 |
| Average earning assets | $34,462,500 | 6,726 |
| Average equity | $3,055,500 | 6,948 |
| Average total loans | $18,892,000 | 6,661 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8038% | 6,724 |
| Cost of funding earning assets | 0.3129% | 7,086 |
| Net interest margin | 3.4909% | 5,177 |
| Noninterest income to average assets | 0.5672% | 3,378 |
| Noninterest expense to average assets | 3.0995% | 3,197 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4225% | 4,766 |
| Return on assets (ROA) | 0.4225% | 4,956 |
| Pretax return on assets | 0.5672% | 4,792 |
| Return on Equity (ROE) | 4.8957% | 4,442 |
| Retained earnings to average equity (ytd only) | 2.5485% | 4,415 |
| Net charge-offs to loans | -0.0057% | 6,846 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5304% | 1,707 |
| Assets per employee ($millions) | 3.6428% | 4,681 |
| Cash dividends to net income (ytd only)* | 47.9452% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7476% | 6,842 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 6,275 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 52.1138% | 5,297 |
| Net loans and leases to deposits | 57.0501% | 5,796 |
| Net loans and leases to core deposits | 57.7443% | 6,015 |
| Total domestic deposits to total assets | 91.3473% | 381 |
| Equity capital to assets | 8.3095% | 6,342 |
| Core capital (leverage) ratio | 6.9114% | 6,891 |
| Tier 1 risk-based capital ratio | 13.0418% | 5,032 |
| Total risk-based capital ratio | 13.8157% | 5,386 |
| Memoranda: | ||
| Average total assets | $34,554,200 | 6,841 |
| Average earning assets | $30,680,200 | 6,847 |
| Average equity | $2,982,200 | 7,012 |
| Average total loans | $17,661,600 | 6,775 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8232% | 6,817 |
| Cost of funding earning assets | 0.3440% | 7,137 |
| Net interest margin | 3.4793% | 5,276 |
| Noninterest income to average assets | 0.5985% | 3,167 |
| Noninterest expense to average assets | 3.1645% | 2,944 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3912% | 5,039 |
| Return on assets (ROA) | 0.3912% | 5,223 |
| Pretax return on assets | 0.5202% | 5,088 |
| Return on Equity (ROE) | 4.4877% | 4,769 |
| Retained earnings to average equity (ytd only) | 1.7950% | 5,237 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8811% | 1,543 |
| Assets per employee ($millions) | 3.7938% | 4,317 |
| Cash dividends to net income (ytd only)* | 60.0015% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8211% | 6,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 6,325 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 50.2314% | 5,679 |
| Net loans and leases to deposits | 55.3312% | 6,093 |
| Net loans and leases to core deposits | 56.0545% | 6,311 |
| Total domestic deposits to total assets | 90.7832% | 518 |
| Equity capital to assets | 8.7687% | 6,015 |
| Core capital (leverage) ratio | 6.9683% | 6,971 |
| Tier 1 risk-based capital ratio | 13.2223% | 4,931 |
| Total risk-based capital ratio | 14.0135% | 5,262 |
| Memoranda: | ||
| Average total assets | $34,085,750 | 6,921 |
| Average earning assets | $30,235,500 | 6,928 |
| Average equity | $2,971,000 | 7,081 |
| Average total loans | $17,295,250 | 6,857 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8478% | 6,866 |
| Cost of funding earning assets | 0.3642% | 7,203 |
| Net interest margin | 3.4835% | 5,230 |
| Noninterest income to average assets | 0.6282% | 2,960 |
| Noninterest expense to average assets | 3.1996% | 2,899 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3875% | 5,009 |
| Return on assets (ROA) | 0.3875% | 5,144 |
| Pretax return on assets | 0.5166% | 5,005 |
| Return on Equity (ROE) | 4.4544% | 4,720 |
| Retained earnings to average equity (ytd only) | 1.0799% | 5,431 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0979% | 1,593 |
| Assets per employee ($millions) | 3.8631% | 4,065 |
| Cash dividends to net income (ytd only)* | 75.7576% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8121% | 6,848 |
| Loan loss allowance to noncurrent loans | 14,200.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.2905% | 6,409 |
| Noncurrent loans to loans | 0.0057% | 7,000 |
| Net loans and leases to total assets | 49.8850% | 5,838 |
| Net loans and leases to deposits | 54.7769% | 6,242 |
| Net loans and leases to core deposits | 55.4777% | 6,455 |
| Total domestic deposits to total assets | 91.0694% | 475 |
| Equity capital to assets | 8.5423% | 6,137 |
| Core capital (leverage) ratio | 7.0034% | 6,994 |
| Tier 1 risk-based capital ratio | 12.9827% | 4,927 |
| Total risk-based capital ratio | 13.7672% | 5,304 |
| Memoranda: | ||
| Average total assets | $34,066,330 | 6,988 |
| Average earning assets | $30,199,330 | 6,992 |
| Average equity | $2,963,330 | 7,139 |
| Average total loans | $17,296,000 | 6,926 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8664% | 6,863 |
| Cost of funding earning assets | 0.3880% | 7,240 |
| Net interest margin | 3.4784% | 5,107 |
| Noninterest income to average assets | 0.6762% | 2,695 |
| Noninterest expense to average assets | 3.2389% | 2,742 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3915% | 4,990 |
| Return on assets (ROA) | 0.3915% | 5,079 |
| Pretax return on assets | 0.5220% | 4,952 |
| Return on Equity (ROE) | 4.4595% | 4,677 |
| Retained earnings to average equity (ytd only) | 1.7568% | 5,069 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1199% | 1,704 |
| Assets per employee ($millions) | 3.7844% | 4,335 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8121% | 6,889 |
| Loan loss allowance to noncurrent loans | 14,200.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 6,455 |
| Noncurrent loans to loans | 0.0057% | 7,071 |
| Net loans and leases to total assets | 50.9219% | 5,720 |
| Net loans and leases to deposits | 56.0352% | 6,119 |
| Net loans and leases to core deposits | 57.2523% | 6,321 |
| Total domestic deposits to total assets | 90.8749% | 688 |
| Equity capital to assets | 8.7111% | 5,641 |
| Core capital (leverage) ratio | 7.1249% | 6,950 |
| Tier 1 risk-based capital ratio | 12.9155% | 4,882 |
| Total risk-based capital ratio | 13.6969% | 5,290 |
| Memoranda: | ||
| Average total assets | $33,715,500 | 7,044 |
| Average earning assets | $29,899,000 | 7,050 |
| Average equity | $2,960,000 | 7,178 |
| Average total loans | $17,201,000 | 6,986 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2424% | 6,870 |
| Cost of funding earning assets | 0.5618% | 7,202 |
| Net interest margin | 3.6806% | 4,443 |
| Noninterest income to average assets | 0.8784% | 1,928 |
| Noninterest expense to average assets | 3.2671% | 2,840 |
| Loan and lease loss provision to assets | 0.0271% | 6,854 |
| Net operating income to assets | 0.6197% | 3,585 |
| Return on assets (ROA) | 0.6197% | 3,752 |
| Pretax return on assets | 0.8363% | 3,517 |
| Return on Equity (ROE) | 7.0432% | 3,100 |
| Retained earnings to average equity (ytd only) | 3.4190% | 3,473 |
| Net charge-offs to loans | 0.1004% | 5,860 |
| Credit loss provision to net charge-offs | 50.0000% | 6,257 |
| Earnings coverage of net charge-offs (x) | 15.9444% | 1,250 |
| Efficiency ratio | 79.0969% | 2,526 |
| Assets per employee ($millions) | 3.7079% | 4,443 |
| Cash dividends to net income (ytd only)* | 51.4563% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8394% | 6,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 6,491 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 50.2652% | 6,143 |
| Net loans and leases to deposits | 55.3780% | 6,491 |
| Net loans and leases to core deposits | 57.1049% | 6,627 |
| Total domestic deposits to total assets | 90.7674% | 708 |
| Equity capital to assets | 8.8490% | 5,360 |
| Core capital (leverage) ratio | 7.0267% | 7,013 |
| Tier 1 risk-based capital ratio | 13.1629% | 4,477 |
| Total risk-based capital ratio | 13.9641% | 4,826 |
| Memoranda: | ||
| Average total assets | $33,240,400 | 7,108 |
| Average earning assets | $29,370,400 | 7,115 |
| Average equity | $2,924,800 | 7,297 |
| Average total loans | $17,935,200 | 7,030 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3209% | 6,940 |
| Cost of funding earning assets | 0.6004% | 7,290 |
| Net interest margin | 3.7205% | 4,303 |
| Noninterest income to average assets | 0.9235% | 1,717 |
| Noninterest expense to average assets | 3.2803% | 2,630 |
| Loan and lease loss provision to assets | 0.0361% | 6,720 |
| Net operating income to assets | 0.6424% | 3,690 |
| Return on assets (ROA) | 0.6424% | 3,859 |
| Pretax return on assets | 0.8913% | 3,587 |
| Return on Equity (ROE) | 7.3115% | 3,202 |
| Retained earnings to average equity (ytd only) | 4.1128% | 3,578 |
| Net charge-offs to loans | 0.0660% | 5,851 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 25.6658% | 987 |
| Efficiency ratio | 77.9580% | 2,629 |
| Assets per employee ($millions) | 3.7262% | 4,444 |
| Cash dividends to net income (ytd only)* | 43.7491% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8271% | 6,941 |
| Loan loss allowance to noncurrent loans | 142.8571% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 6,598 |
| Noncurrent loans to loans | 0.5790% | 6,053 |
| Net loans and leases to total assets | 53.6319% | 5,898 |
| Net loans and leases to deposits | 59.1295% | 6,377 |
| Net loans and leases to core deposits | 60.9612% | 6,540 |
| Total domestic deposits to total assets | 90.7025% | 547 |
| Equity capital to assets | 8.7995% | 5,859 |
| Core capital (leverage) ratio | 7.0735% | 7,129 |
| Tier 1 risk-based capital ratio | 11.6063% | 5,825 |
| Total risk-based capital ratio | 12.3607% | 6,271 |
| Memoranda: | ||
| Average total assets | $33,207,750 | 7,198 |
| Average earning assets | $29,314,000 | 7,199 |
| Average equity | $2,917,750 | 7,394 |
| Average total loans | $18,190,000 | 7,110 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3554% | 6,971 |
| Cost of funding earning assets | 0.6300% | 7,343 |
| Net interest margin | 3.7254% | 4,249 |
| Noninterest income to average assets | 0.9547% | 1,503 |
| Noninterest expense to average assets | 3.2630% | 2,681 |
| Loan and lease loss provision to assets | 0.0363% | 6,594 |
| Net operating income to assets | 0.6768% | 3,502 |
| Return on assets (ROA) | 0.6768% | 3,649 |
| Pretax return on assets | 0.9426% | 3,337 |
| Return on Equity (ROE) | 7.7064% | 3,014 |
| Retained earnings to average equity (ytd only) | 4.9541% | 2,929 |
| Net charge-offs to loans | 0.0989% | 5,157 |
| Credit loss provision to net charge-offs | 66.6667% | 5,056 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,308 |
| Efficiency ratio | 76.9231% | 2,904 |
| Assets per employee ($millions) | 3.6833% | 4,516 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8032% | 7,026 |
| Loan loss allowance to noncurrent loans | 130.0885% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 6,569 |
| Noncurrent loans to loans | 0.6175% | 6,014 |
| Net loans and leases to total assets | 54.7632% | 5,875 |
| Net loans and leases to deposits | 60.4227% | 6,377 |
| Net loans and leases to core deposits | 63.5800% | 6,442 |
| Total domestic deposits to total assets | 90.6335% | 624 |
| Equity capital to assets | 8.8567% | 5,663 |
| Core capital (leverage) ratio | 7.0550% | 7,155 |
| Tier 1 risk-based capital ratio | 11.4074% | 5,859 |
| Total risk-based capital ratio | 12.1346% | 6,353 |
| Memoranda: | ||
| Average total assets | $33,098,330 | 7,255 |
| Average earning assets | $29,205,000 | 7,252 |
| Average equity | $2,906,670 | 7,448 |
| Average total loans | $18,208,000 | 7,162 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 6,971 |
| Cost of funding earning assets | 0.6444% | 7,456 |
| Net interest margin | 3.7705% | 3,916 |
| Noninterest income to average assets | 0.8708% | 1,731 |
| Noninterest expense to average assets | 3.2656% | 2,654 |
| Loan and lease loss provision to assets | 0.0363% | 6,314 |
| Net operating income to assets | 0.6410% | 3,706 |
| Return on assets (ROA) | 0.6410% | 3,825 |
| Pretax return on assets | 0.8950% | 3,490 |
| Return on Equity (ROE) | 7.3306% | 3,191 |
| Retained earnings to average equity (ytd only) | 7.3306% | 2,003 |
| Net charge-offs to loans | 0.1982% | 3,720 |
| Credit loss provision to net charge-offs | 33.3333% | 4,762 |
| Earnings coverage of net charge-offs (x) | 8.5556% | 1,946 |
| Efficiency ratio | 77.8098% | 2,927 |
| Assets per employee ($millions) | 3.2390% | 5,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7813% | 7,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 56.4619% | 5,678 |
| Net loans and leases to deposits | 62.4164% | 6,239 |
| Net loans and leases to core deposits | 65.7582% | 6,305 |
| Total domestic deposits to total assets | 90.4600% | 755 |
| Equity capital to assets | 9.0090% | 5,267 |
| Core capital (leverage) ratio | 7.0416% | 7,225 |
| Tier 1 risk-based capital ratio | 11.1665% | 5,991 |
| Total risk-based capital ratio | 11.8699% | 6,514 |
| Memoranda: | ||
| Average total assets | $33,072,500 | 7,339 |
| Average earning assets | $29,174,000 | 7,347 |
| Average equity | $2,892,000 | 7,525 |
| Average total loans | $18,161,500 | 7,256 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5482% | 7,340 |
| Cost of funding earning assets | 0.7813% | 7,582 |
| Net interest margin | 3.7669% | 3,844 |
| Noninterest income to average assets | 0.7945% | 2,430 |
| Noninterest expense to average assets | 3.3711% | 2,773 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6109% | 3,290 |
| Return on assets (ROA) | 0.6109% | 3,362 |
| Pretax return on assets | 0.7502% | 3,404 |
| Return on Equity (ROE) | 6.7905% | 2,877 |
| Retained earnings to average equity (ytd only) | 3.1666% | 2,943 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7972% | 2,631 |
| Assets per employee ($millions) | 3.0686% | 6,054 |
| Cash dividends to net income (ytd only)* | 53.3679% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8440% | 7,002 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 52.5552% | 6,356 |
| Net loans and leases to deposits | 57.7436% | 6,799 |
| Net loans and leases to core deposits | 77.6368% | 6,284 |
| Total domestic deposits to total assets | 91.0147% | 528 |
| Equity capital to assets | 8.4906% | 5,891 |
| Core capital (leverage) ratio | 6.9043% | 7,310 |
| Tier 1 risk-based capital ratio | 11.1338% | 5,795 |
| Total risk-based capital ratio | 11.8867% | 6,234 |
| Memoranda: | ||
| Average total assets | $31,592,400 | 7,421 |
| Average earning assets | $27,901,200 | 7,430 |
| Average equity | $2,842,200 | 7,631 |
| Average total loans | $16,659,400 | 7,372 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6088% | 7,407 |
| Cost of funding earning assets | 0.8176% | 7,670 |
| Net interest margin | 3.7912% | 3,693 |
| Noninterest income to average assets | 0.7815% | 2,535 |
| Noninterest expense to average assets | 3.4479% | 2,426 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5840% | 3,658 |
| Return on assets (ROA) | 0.5840% | 3,728 |
| Pretax return on assets | 0.6784% | 3,933 |
| Return on Equity (ROE) | 6.3933% | 3,353 |
| Retained earnings to average equity (ytd only) | 3.4316% | 3,377 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5588% | 2,343 |
| Assets per employee ($millions) | 3.7353% | 4,347 |
| Cash dividends to net income (ytd only)* | 46.3244% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 6,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 51.7401% | 6,627 |
| Net loans and leases to deposits | 56.8747% | 7,034 |
| Net loans and leases to core deposits | 74.9289% | 6,671 |
| Total domestic deposits to total assets | 90.9721% | 434 |
| Equity capital to assets | 8.4984% | 6,257 |
| Core capital (leverage) ratio | 7.2178% | 7,250 |
| Tier 1 risk-based capital ratio | 11.4463% | 5,481 |
| Total risk-based capital ratio | 12.2262% | 5,944 |
| Memoranda: | ||
| Average total assets | $31,051,750 | 7,502 |
| Average earning assets | $27,396,250 | 7,520 |
| Average equity | $2,836,250 | 7,706 |
| Average total loans | $16,351,500 | 7,455 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7171% | 7,366 |
| Cost of funding earning assets | 0.8590% | 7,746 |
| Net interest margin | 3.8581% | 3,303 |
| Noninterest income to average assets | 0.7948% | 2,437 |
| Noninterest expense to average assets | 3.5302% | 2,250 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6226% | 3,573 |
| Return on assets (ROA) | 0.6226% | 3,687 |
| Pretax return on assets | 0.6557% | 4,144 |
| Return on Equity (ROE) | 6.6447% | 3,365 |
| Retained earnings to average equity (ytd only) | 4.6654% | 2,704 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3354% | 2,439 |
| Assets per employee ($millions) | 3.0575% | 5,978 |
| Cash dividends to net income (ytd only)* | 29.7872% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 6,655 |
| Loan loss allowance to noncurrent loans | 755.0000% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 7,427 |
| Noncurrent loans to loans | 0.1230% | 7,209 |
| Net loans and leases to total assets | 52.6868% | 6,603 |
| Net loans and leases to deposits | 58.4252% | 6,993 |
| Net loans and leases to core deposits | 77.6337% | 6,566 |
| Total domestic deposits to total assets | 90.1783% | 756 |
| Equity capital to assets | 9.3050% | 4,857 |
| Core capital (leverage) ratio | 7.7141% | 6,733 |
| Tier 1 risk-based capital ratio | 12.0441% | 4,882 |
| Total risk-based capital ratio | 12.8673% | 5,205 |
| Memoranda: | ||
| Average total assets | $30,196,330 | 7,599 |
| Average earning assets | $26,541,670 | 7,616 |
| Average equity | $2,829,330 | 7,779 |
| Average total loans | $15,953,670 | 7,537 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7221% | 7,473 |
| Cost of funding earning assets | 0.9110% | 7,801 |
| Net interest margin | 3.8111% | 3,402 |
| Noninterest income to average assets | 0.7865% | 2,397 |
| Noninterest expense to average assets | 3.4125% | 2,322 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5065% | 4,389 |
| Return on assets (ROA) | 0.5065% | 4,576 |
| Pretax return on assets | 0.7198% | 4,360 |
| Return on Equity (ROE) | 5.3872% | 4,292 |
| Retained earnings to average equity (ytd only) | 5.3872% | 2,914 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5806% | 2,468 |
| Assets per employee ($millions) | 2.9637% | 6,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 6,553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 53.6863% | 6,505 |
| Net loans and leases to deposits | 59.7125% | 6,916 |
| Net loans and leases to core deposits | 79.5391% | 6,416 |
| Total domestic deposits to total assets | 89.9079% | 840 |
| Equity capital to assets | 9.5657% | 4,575 |
| Core capital (leverage) ratio | 7.7541% | 6,817 |
| Tier 1 risk-based capital ratio | 11.8151% | 5,110 |
| Total risk-based capital ratio | 12.6335% | 5,422 |
| Memoranda: | ||
| Average total assets | $30,007,000 | 7,649 |
| Average earning assets | $26,344,000 | 7,668 |
| Average equity | $2,821,500 | 7,831 |
| Average total loans | $15,800,500 | 7,588 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5103% | 7,277 |
| Cost of funding earning assets | 1.7480% | 7,137 |
| Net interest margin | 3.7623% | 4,171 |
| Noninterest income to average assets | 0.7667% | 2,688 |
| Noninterest expense to average assets | 3.2972% | 2,971 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4706% | 4,867 |
| Return on assets (ROA) | 0.4706% | 4,688 |
| Pretax return on assets | 0.6779% | 4,458 |
| Return on Equity (ROE) | 5.2190% | 4,274 |
| Retained earnings to average equity (ytd only) | 1.7518% | 4,154 |
| Net charge-offs to loans | 0.0066% | 6,868 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 206.0000% | 232 |
| Efficiency ratio | 82.9470% | 2,187 |
| Assets per employee ($millions) | 3.0377% | 5,964 |
| Cash dividends to net income (ytd only)* | 66.4336% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 6,258 |
| Loan loss allowance to noncurrent loans | 1,677.7778% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 7,472 |
| Noncurrent loans to loans | 0.0579% | 7,279 |
| Net loans and leases to total assets | 50.6567% | 6,971 |
| Net loans and leases to deposits | 56.1626% | 7,308 |
| Net loans and leases to core deposits | 71.6254% | 7,102 |
| Total domestic deposits to total assets | 90.1965% | 576 |
| Equity capital to assets | 9.2438% | 5,012 |
| Core capital (leverage) ratio | 7.4613% | 7,250 |
| Tier 1 risk-based capital ratio | 11.4228% | 5,316 |
| Total risk-based capital ratio | 12.2280% | 5,651 |
| Memoranda: | ||
| Average total assets | $30,389,400 | 7,628 |
| Average earning assets | $25,915,200 | 7,697 |
| Average equity | $2,740,000 | 7,918 |
| Average total loans | $15,216,800 | 7,632 |