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 | 4.3879% | 3,302 |
| Cost of funding earning assets | 1.0731% | 3,137 |
| Net interest margin | 3.3148% | 2,595 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 2.4199% | 2,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6138% | 3,407 |
| Return on assets (ROA) | 0.6138% | 3,391 |
| Pretax return on assets | 0.8121% | 3,182 |
| Return on Equity (ROE) | 5.7300% | 3,582 |
| Retained earnings to average equity (ytd only) | 3.0302% | 3,265 |
| Net charge-offs to loans | -0.0034% | 3,759 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.7765% | 1,370 |
| Assets per employee ($millions) | 7.8462% | 1,517 |
| Cash dividends to net income (ytd only)* | 47.1380% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9718% | 394 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 63.8900% | 2,472 |
| Net loans and leases to deposits | 76.8898% | 2,363 |
| Net loans and leases to core deposits | 83.2006% | 2,512 |
| Total domestic deposits to total assets | 83.0900% | 2,870 |
| Equity capital to assets | 11.3474% | 1,351 |
| Core capital (leverage) ratio | 11.9746% | 1,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $48,390,600 | 4,328 |
| Average earning assets | $46,036,000 | 4,291 |
| Average equity | $5,181,200 | 4,243 |
| Average total loans | $29,514,600 | 4,144 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3087% | 3,276 |
| Cost of funding earning assets | 0.9789% | 3,095 |
| Net interest margin | 3.3299% | 2,620 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 2.2961% | 2,803 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.7307% | 3,228 |
| Return on assets (ROA) | 0.7307% | 3,216 |
| Pretax return on assets | 0.9661% | 2,944 |
| Return on Equity (ROE) | 6.9200% | 3,450 |
| Retained earnings to average equity (ytd only) | 5.3685% | 2,817 |
| Net charge-offs to loans | -0.0046% | 3,725 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.2680% | 1,754 |
| Assets per employee ($millions) | 7.8155% | 1,444 |
| Cash dividends to net income (ytd only)* | 22.4719% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9664% | 418 |
| 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 | 64.3200% | 2,407 |
| Net loans and leases to deposits | 76.8204% | 2,352 |
| Net loans and leases to core deposits | 83.6370% | 2,350 |
| Total domestic deposits to total assets | 83.7300% | 2,853 |
| Equity capital to assets | 11.2064% | 1,274 |
| Core capital (leverage) ratio | 12.0216% | 1,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $48,719,000 | 4,342 |
| Average earning assets | $46,447,250 | 4,306 |
| Average equity | $5,141,000 | 4,262 |
| Average total loans | $29,222,750 | 4,168 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2563% | 3,187 |
| Cost of funding earning assets | 0.8743% | 3,010 |
| Net interest margin | 3.3820% | 2,569 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 2.3111% | 2,770 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7460% | 3,227 |
| Return on assets (ROA) | 0.7460% | 3,250 |
| Pretax return on assets | 0.9852% | 2,957 |
| Return on Equity (ROE) | 7.2100% | 3,440 |
| Retained earnings to average equity (ytd only) | 4.8599% | 2,974 |
| Net charge-offs to loans | -0.0070% | 3,804 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.0246% | 1,761 |
| Assets per employee ($millions) | 8.0527% | 1,290 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1316% | 343 |
| 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 | 57.4900% | 3,006 |
| Net loans and leases to deposits | 66.6771% | 3,022 |
| Net loans and leases to core deposits | 72.1780% | 3,006 |
| Total domestic deposits to total assets | 86.2200% | 2,165 |
| Equity capital to assets | 10.6486% | 1,528 |
| Core capital (leverage) ratio | 11.2591% | 1,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $49,327,667 | 4,359 |
| Average earning assets | $46,895,000 | 4,323 |
| Average equity | $5,103,000 | 4,284 |
| Average total loans | $28,708,000 | 4,188 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 3,085 |
| Cost of funding earning assets | 0.7546% | 2,885 |
| Net interest margin | 3.4254% | 2,565 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 2.2154% | 3,062 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.8428% | 3,040 |
| Return on assets (ROA) | 0.8428% | 2,998 |
| Pretax return on assets | 1.1077% | 2,681 |
| Return on Equity (ROE) | 8.2600% | 3,230 |
| Retained earnings to average equity (ytd only) | 3.5419% | 3,385 |
| Net charge-offs to loans | -0.0139% | 3,966 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.5060% | 2,155 |
| Assets per employee ($millions) | 8.4770% | 1,134 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3094% | 277 |
| 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 | 50.3200% | 3,466 |
| Net loans and leases to deposits | 57.3041% | 3,487 |
| Net loans and leases to core deposits | 60.2165% | 3,534 |
| Total domestic deposits to total assets | 87.8100% | 1,984 |
| Equity capital to assets | 10.1018% | 1,767 |
| Core capital (leverage) ratio | 10.8202% | 1,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $49,833,500 | 4,416 |
| Average earning assets | $47,176,500 | 4,381 |
| Average equity | $5,082,000 | 4,345 |
| Average total loans | $28,871,000 | 4,241 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4289% | 3,273 |
| Cost of funding earning assets | 0.2891% | 2,968 |
| Net interest margin | 3.1398% | 3,058 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 2.3208% | 2,667 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5797% | 3,924 |
| Return on assets (ROA) | 0.5797% | 3,889 |
| Pretax return on assets | 0.7508% | 3,740 |
| Return on Equity (ROE) | 5.3600% | 3,957 |
| Retained earnings to average equity (ytd only) | 4.0766% | 3,368 |
| Net charge-offs to loans | 0.0065% | 2,172 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 175.5000% | 713 |
| Efficiency ratio | 75.5571% | 1,062 |
| Assets per employee ($millions) | 8.1342% | 1,258 |
| Cash dividends to net income (ytd only)* | 23.9852% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9116% | 523 |
| 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 | 63.4000% | 2,295 |
| Net loans and leases to deposits | 74.5554% | 2,210 |
| Net loans and leases to core deposits | 77.1025% | 2,343 |
| Total domestic deposits to total assets | 85.0400% | 2,985 |
| Equity capital to assets | 10.2981% | 1,554 |
| Core capital (leverage) ratio | 11.0842% | 1,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $46,751,000 | 4,464 |
| Average earning assets | $44,620,200 | 4,429 |
| Average equity | $5,053,200 | 4,423 |
| Average total loans | $30,902,800 | 4,226 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2232% | 3,378 |
| Cost of funding earning assets | 0.2369% | 2,850 |
| Net interest margin | 2.9864% | 3,252 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 2.2405% | 2,817 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5190% | 4,033 |
| Return on assets (ROA) | 0.5190% | 3,979 |
| Pretax return on assets | 0.7036% | 3,794 |
| Return on Equity (ROE) | 4.7400% | 4,024 |
| Retained earnings to average equity (ytd only) | 3.0302% | 3,767 |
| Net charge-offs to loans | 0.0087% | 1,811 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 836 |
| Efficiency ratio | 76.1019% | 1,069 |
| Assets per employee ($millions) | 8.1240% | 1,258 |
| Cash dividends to net income (ytd only)* | 36.1111% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8561% | 656 |
| 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 | 65.4100% | 1,944 |
| Net loans and leases to deposits | 77.0703% | 1,790 |
| Net loans and leases to core deposits | 79.7080% | 1,922 |
| Total domestic deposits to total assets | 84.8700% | 3,314 |
| Equity capital to assets | 10.1100% | 1,564 |
| Core capital (leverage) ratio | 11.1539% | 1,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $46,237,500 | 4,511 |
| Average earning assets | $44,467,750 | 4,467 |
| Average equity | $5,060,000 | 4,462 |
| Average total loans | $30,742,250 | 4,254 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0411% | 3,452 |
| Cost of funding earning assets | 0.2244% | 2,591 |
| Net interest margin | 2.8166% | 3,392 |
| Noninterest income to average assets | 0.0705% | 4,581 |
| Noninterest expense to average assets | 2.3083% | 2,526 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3568% | 4,195 |
| Return on assets (ROA) | 0.3568% | 4,149 |
| Pretax return on assets | 0.4713% | 4,043 |
| Return on Equity (ROE) | 3.1740% | 4,190 |
| Retained earnings to average equity (ytd only) | 1.6066% | 3,854 |
| Net charge-offs to loans | 0.0133% | 1,521 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 53.5000% | 1,133 |
| Efficiency ratio | 83.0428% | 735 |
| Assets per employee ($millions) | 7.9503% | 1,336 |
| Cash dividends to net income (ytd only)* | 49.3827% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9197% | 636 |
| 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 | 64.5843% | 1,845 |
| Net loans and leases to deposits | 75.8183% | 1,695 |
| Net loans and leases to core deposits | 77.8668% | 1,860 |
| Total domestic deposits to total assets | 85.1830% | 3,447 |
| Equity capital to assets | 10.4901% | 1,437 |
| Core capital (leverage) ratio | 11.6246% | 1,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,402,000 | 4,566 |
| Average earning assets | $43,669,000 | 4,537 |
| Average equity | $5,104,000 | 4,513 |
| Average total loans | $30,160,667 | 4,312 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0126% | 3,218 |
| Cost of funding earning assets | 0.2354% | 2,317 |
| Net interest margin | 2.7772% | 3,208 |
| Noninterest income to average assets | 0.0814% | 4,571 |
| Noninterest expense to average assets | 2.2779% | 2,584 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3525% | 4,050 |
| Return on assets (ROA) | 0.3525% | 4,015 |
| Pretax return on assets | 0.4700% | 3,920 |
| Return on Equity (ROE) | 3.0268% | 4,081 |
| Retained earnings to average equity (ytd only) | -0.0776% | 4,021 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8947% | 921 |
| Assets per employee ($millions) | 7.6360% | 1,600 |
| Cash dividends to net income (ytd only)* | 102.5641% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1688% | 464 |
| Loan loss allowance to noncurrent loans | 1,210.0000% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 3,044 |
| Noncurrent loans to loans | 0.1792% | 2,919 |
| Net loans and leases to total assets | 59.5665% | 2,108 |
| Net loans and leases to deposits | 68.8836% | 2,060 |
| Net loans and leases to core deposits | 70.7919% | 2,228 |
| Total domestic deposits to total assets | 86.4742% | 3,111 |
| Equity capital to assets | 11.0420% | 1,314 |
| Core capital (leverage) ratio | 11.4211% | 1,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,252,000 | 4,593 |
| Average earning assets | $42,488,500 | 4,571 |
| Average equity | $5,154,000 | 4,551 |
| Average total loans | $29,535,500 | 4,337 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7087% | 2,091 |
| Cost of funding earning assets | 0.3077% | 2,327 |
| Net interest margin | 3.4011% | 2,028 |
| Noninterest income to average assets | 0.1061% | 4,581 |
| Noninterest expense to average assets | 2.5029% | 2,171 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6367% | 3,782 |
| Return on assets (ROA) | 0.6367% | 3,837 |
| Pretax return on assets | 0.8674% | 3,573 |
| Return on Equity (ROE) | 5.3447% | 3,919 |
| Retained earnings to average equity (ytd only) | 4.1828% | 3,151 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2642% | 1,277 |
| Assets per employee ($millions) | 7.1147% | 1,853 |
| Cash dividends to net income (ytd only)* | 21.7391% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9407% | 667 |
| Loan loss allowance to noncurrent loans | 1,210.0000% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 3,107 |
| Noncurrent loans to loans | 0.1604% | 3,135 |
| Net loans and leases to total assets | 71.6126% | 868 |
| Net loans and leases to deposits | 86.6325% | 739 |
| Net loans and leases to core deposits | 88.6858% | 1,038 |
| Total domestic deposits to total assets | 82.6626% | 3,870 |
| Equity capital to assets | 12.2962% | 1,129 |
| Core capital (leverage) ratio | 12.1824% | 1,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,350,000 | 4,631 |
| Average earning assets | $41,604,400 | 4,603 |
| Average equity | $5,164,000 | 4,616 |
| Average total loans | $30,226,400 | 4,368 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7862% | 2,043 |
| Cost of funding earning assets | 0.3190% | 2,410 |
| Net interest margin | 3.4673% | 1,962 |
| Noninterest income to average assets | 0.0705% | 4,754 |
| Noninterest expense to average assets | 2.4052% | 2,423 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7507% | 3,652 |
| Return on assets (ROA) | 0.7507% | 3,714 |
| Pretax return on assets | 0.9958% | 3,471 |
| Return on Equity (ROE) | 6.3518% | 3,836 |
| Retained earnings to average equity (ytd only) | 4.7963% | 3,292 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7207% | 1,525 |
| Assets per employee ($millions) | 7.4022% | 1,622 |
| Cash dividends to net income (ytd only)* | 24.4898% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8813% | 799 |
| Loan loss allowance to noncurrent loans | 1,210.0000% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 3,357 |
| Noncurrent loans to loans | 0.1555% | 3,347 |
| Net loans and leases to total assets | 71.0468% | 983 |
| Net loans and leases to deposits | 86.4683% | 801 |
| Net loans and leases to core deposits | 89.0928% | 1,088 |
| Total domestic deposits to total assets | 82.1651% | 3,901 |
| Equity capital to assets | 11.7893% | 1,493 |
| Core capital (leverage) ratio | 11.7439% | 1,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,515,500 | 4,692 |
| Average earning assets | $41,799,500 | 4,662 |
| Average equity | $5,142,750 | 4,683 |
| Average total loans | $29,989,250 | 4,431 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7066% | 2,313 |
| Cost of funding earning assets | 0.3365% | 2,435 |
| Net interest margin | 3.3701% | 2,239 |
| Noninterest income to average assets | 0.0602% | 4,816 |
| Noninterest expense to average assets | 2.4204% | 2,397 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6664% | 3,840 |
| Return on assets (ROA) | 0.6664% | 3,906 |
| Pretax return on assets | 0.8839% | 3,693 |
| Return on Equity (ROE) | 5.6342% | 3,989 |
| Retained earnings to average equity (ytd only) | 5.2429% | 3,102 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2493% | 1,314 |
| Assets per employee ($millions) | 7.5315% | 1,459 |
| Cash dividends to net income (ytd only)* | 6.9444% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0116% | 599 |
| Loan loss allowance to noncurrent loans | 1,210.0000% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 3,489 |
| Noncurrent loans to loans | 0.1663% | 3,383 |
| Net loans and leases to total assets | 65.2150% | 1,797 |
| Net loans and leases to deposits | 77.9382% | 1,633 |
| Net loans and leases to core deposits | 80.2145% | 1,869 |
| Total domestic deposits to total assets | 83.6752% | 3,526 |
| Equity capital to assets | 11.4807% | 1,645 |
| Core capital (leverage) ratio | 11.5667% | 1,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,216,333 | 4,728 |
| Average earning assets | $41,601,667 | 4,693 |
| Average equity | $5,111,667 | 4,714 |
| Average total loans | $29,266,000 | 4,480 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4802% | 2,982 |
| Cost of funding earning assets | 0.3638% | 2,415 |
| Net interest margin | 3.1165% | 2,937 |
| Noninterest income to average assets | 0.0663% | 4,806 |
| Noninterest expense to average assets | 2.4627% | 2,290 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4547% | 4,260 |
| Return on assets (ROA) | 0.4547% | 4,297 |
| Pretax return on assets | 0.6062% | 4,186 |
| Return on Equity (ROE) | 3.7844% | 4,325 |
| Retained earnings to average equity (ytd only) | 2.9960% | 3,786 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2469% | 805 |
| Assets per employee ($millions) | 7.3855% | 1,530 |
| Cash dividends to net income (ytd only)* | 20.8333% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1590% | 455 |
| Loan loss allowance to noncurrent loans | 1,210.0000% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 3,608 |
| Noncurrent loans to loans | 0.1784% | 3,466 |
| Net loans and leases to total assets | 61.8712% | 2,299 |
| Net loans and leases to deposits | 73.1881% | 2,196 |
| Net loans and leases to core deposits | 75.3421% | 2,403 |
| Total domestic deposits to total assets | 84.5373% | 3,267 |
| Equity capital to assets | 11.4797% | 1,554 |
| Core capital (leverage) ratio | 11.7716% | 1,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,230,000 | 4,758 |
| Average earning assets | $40,687,000 | 4,726 |
| Average equity | $5,073,500 | 4,741 |
| Average total loans | $28,861,500 | 4,514 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0735% | 2,498 |
| Cost of funding earning assets | 0.5678% | 2,517 |
| Net interest margin | 3.5057% | 2,455 |
| Noninterest income to average assets | 0.0846% | 4,785 |
| Noninterest expense to average assets | 2.6045% | 2,534 |
| Loan and lease loss provision to assets | 0.1244% | 2,808 |
| Net operating income to assets | 0.5398% | 3,934 |
| Return on assets (ROA) | 0.5398% | 4,030 |
| Pretax return on assets | 0.7040% | 3,876 |
| Return on Equity (ROE) | 4.3615% | 4,072 |
| Retained earnings to average equity (ytd only) | 3.5575% | 3,056 |
| Net charge-offs to loans | 0.3132% | 564 |
| Credit loss provision to net charge-offs | 50.5051% | 3,140 |
| Earnings coverage of net charge-offs (x) | 3.3636% | 3,092 |
| Efficiency ratio | 75.8696% | 1,246 |
| Assets per employee ($millions) | 6.6912% | 1,789 |
| Cash dividends to net income (ytd only)* | 18.4332% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0370% | 543 |
| Loan loss allowance to noncurrent loans | 1,210.0000% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 3,661 |
| Noncurrent loans to loans | 0.1683% | 3,605 |
| Net loans and leases to total assets | 72.4737% | 1,232 |
| Net loans and leases to deposits | 87.8423% | 1,103 |
| Net loans and leases to core deposits | 90.7718% | 1,470 |
| Total domestic deposits to total assets | 82.5043% | 3,534 |
| Equity capital to assets | 12.6037% | 1,272 |
| Core capital (leverage) ratio | 12.5667% | 1,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,200,200 | 4,770 |
| Average earning assets | $38,394,400 | 4,736 |
| Average equity | $4,975,400 | 4,755 |
| Average total loans | $31,606,400 | 4,489 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1380% | 2,562 |
| Cost of funding earning assets | 0.5976% | 2,631 |
| Net interest margin | 3.5404% | 2,455 |
| Noninterest income to average assets | 0.0895% | 4,789 |
| Noninterest expense to average assets | 2.5828% | 2,589 |
| Loan and lease loss provision to assets | 0.1318% | 2,702 |
| Net operating income to assets | 0.5670% | 3,863 |
| Return on assets (ROA) | 0.5670% | 3,953 |
| Pretax return on assets | 0.7526% | 3,775 |
| Return on Equity (ROE) | 4.6020% | 4,002 |
| Retained earnings to average equity (ytd only) | 3.9292% | 3,087 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4742% | 1,359 |
| Assets per employee ($millions) | 6.6695% | 1,697 |
| Cash dividends to net income (ytd only)* | 14.6199% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1453% | 388 |
| Loan loss allowance to noncurrent loans | 462.6667% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 2,649 |
| Noncurrent loans to loans | 0.4637% | 2,664 |
| Net loans and leases to total assets | 79.1064% | 699 |
| Net loans and leases to deposits | 98.6937% | 584 |
| Net loans and leases to core deposits | 101.2571% | 1,076 |
| Total domestic deposits to total assets | 80.1534% | 3,831 |
| Equity capital to assets | 12.5697% | 1,393 |
| Core capital (leverage) ratio | 12.4514% | 1,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,213,500 | 4,796 |
| Average earning assets | $38,375,000 | 4,761 |
| Average equity | $4,954,250 | 4,786 |
| Average total loans | $32,082,750 | 4,507 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1768% | 2,834 |
| Cost of funding earning assets | 0.6234% | 2,846 |
| Net interest margin | 3.5534% | 2,629 |
| Noninterest income to average assets | 0.0794% | 4,839 |
| Noninterest expense to average assets | 2.5323% | 2,873 |
| Loan and lease loss provision to assets | 0.1241% | 2,789 |
| Net operating income to assets | 0.6157% | 3,683 |
| Return on assets (ROA) | 0.6157% | 3,760 |
| Pretax return on assets | 0.8193% | 3,537 |
| Return on Equity (ROE) | 5.0314% | 3,821 |
| Retained earnings to average equity (ytd only) | 4.0170% | 2,893 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8571% | 1,584 |
| Assets per employee ($millions) | 6.8470% | 1,535 |
| Cash dividends to net income (ytd only)* | 20.1613% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0749% | 390 |
| 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 | 78.0025% | 847 |
| Net loans and leases to deposits | 99.3643% | 591 |
| Net loans and leases to core deposits | 102.7511% | 1,080 |
| Total domestic deposits to total assets | 78.5015% | 4,114 |
| Equity capital to assets | 12.1318% | 1,583 |
| Core capital (leverage) ratio | 12.2106% | 1,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,279,000 | 4,818 |
| Average earning assets | $38,498,667 | 4,778 |
| Average equity | $4,929,000 | 4,811 |
| Average total loans | $31,993,667 | 4,527 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1330% | 3,423 |
| Cost of funding earning assets | 0.6642% | 3,091 |
| Net interest margin | 3.4687% | 3,085 |
| Noninterest income to average assets | 0.1003% | 4,826 |
| Noninterest expense to average assets | 2.5478% | 3,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6420% | 3,469 |
| Return on assets (ROA) | 0.6420% | 3,533 |
| Pretax return on assets | 0.8526% | 3,276 |
| Return on Equity (ROE) | 5.2229% | 3,562 |
| Retained earnings to average equity (ytd only) | 3.1827% | 3,006 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9263% | 1,696 |
| Assets per employee ($millions) | 6.6173% | 1,282 |
| Cash dividends to net income (ytd only)* | 39.0625% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1076% | 428 |
| 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 | 76.5061% | 1,217 |
| Net loans and leases to deposits | 96.7081% | 841 |
| Net loans and leases to core deposits | 100.0857% | 1,459 |
| Total domestic deposits to total assets | 79.1104% | 4,035 |
| Equity capital to assets | 12.3942% | 1,796 |
| Core capital (leverage) ratio | 12.0527% | 1,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $39,877,500 | 4,856 |
| Average earning assets | $37,939,000 | 4,818 |
| Average equity | $4,901,500 | 4,849 |
| Average total loans | $31,628,500 | 4,566 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3430% | 3,414 |
| Cost of funding earning assets | 0.7102% | 3,117 |
| Net interest margin | 3.6328% | 3,024 |
| Noninterest income to average assets | 0.1145% | 4,885 |
| Noninterest expense to average assets | 2.4380% | 3,599 |
| Loan and lease loss provision to assets | 0.3775% | 393 |
| Net operating income to assets | 0.5772% | 4,227 |
| Return on assets (ROA) | 0.5772% | 4,279 |
| Pretax return on assets | 0.7502% | 4,083 |
| Return on Equity (ROE) | 4.8492% | 4,254 |
| Retained earnings to average equity (ytd only) | 0.5524% | 4,536 |
| Net charge-offs to loans | 0.0029% | 3,579 |
| Credit loss provision to net charge-offs | 15,500.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 463.0000% | 203 |
| Efficiency ratio | 68.3743% | 2,406 |
| Assets per employee ($millions) | 6.6752% | 1,196 |
| Cash dividends to net income (ytd only)* | 88.6076% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0294% | 441 |
| 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 | 78.8320% | 960 |
| Net loans and leases to deposits | 101.4915% | 503 |
| Net loans and leases to core deposits | 104.1944% | 1,217 |
| Total domestic deposits to total assets | 77.6735% | 4,410 |
| Equity capital to assets | 12.1895% | 2,022 |
| Core capital (leverage) ratio | 12.4776% | 1,498 |
| Tier 1 risk-based capital ratio | 14.5004% | 3,017 |
| Total risk-based capital ratio | 15.7598% | 2,916 |
| Memoranda: | ||
| Average total assets | $41,058,400 | 4,875 |
| Average earning assets | $39,005,400 | 4,855 |
| Average equity | $4,887,400 | 4,897 |
| Average total loans | $34,068,600 | 4,554 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2711% | 3,744 |
| Cost of funding earning assets | 0.6915% | 3,254 |
| Net interest margin | 3.5796% | 3,303 |
| Noninterest income to average assets | 0.1000% | 4,991 |
| Noninterest expense to average assets | 2.3690% | 3,766 |
| Loan and lease loss provision to assets | 0.3550% | 375 |
| Net operating income to assets | 0.5906% | 4,320 |
| Return on assets (ROA) | 0.5906% | 4,370 |
| Pretax return on assets | 0.7843% | 4,160 |
| Return on Equity (ROE) | 4.9908% | 4,329 |
| Retained earnings to average equity (ytd only) | -0.7364% | 4,837 |
| Net charge-offs to loans | 0.0077% | 3,104 |
| Credit loss provision to net charge-offs | 5,500.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 176.2734% | 485 |
| Efficiency ratio | 67.5253% | 2,496 |
| Assets per employee ($millions) | 6.6592% | 1,184 |
| Cash dividends to net income (ytd only)* | 114.7547% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7967% | 684 |
| 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 | 83.1711% | 431 |
| Net loans and leases to deposits | 110.1349% | 220 |
| Net loans and leases to core deposits | 114.2823% | 738 |
| Total domestic deposits to total assets | 75.5175% | 4,693 |
| Equity capital to assets | 12.0836% | 2,194 |
| Core capital (leverage) ratio | 12.3747% | 1,639 |
| Tier 1 risk-based capital ratio | 14.4729% | 3,087 |
| Total risk-based capital ratio | 15.7289% | 3,007 |
| Memoranda: | ||
| Average total assets | $41,310,250 | 4,944 |
| Average earning assets | $39,333,000 | 4,920 |
| Average equity | $4,888,750 | 4,962 |
| Average total loans | $34,529,000 | 4,607 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1404% | 4,065 |
| Cost of funding earning assets | 0.6498% | 3,413 |
| Net interest margin | 3.4906% | 3,628 |
| Noninterest income to average assets | 0.1054% | 5,016 |
| Noninterest expense to average assets | 2.3802% | 3,790 |
| Loan and lease loss provision to assets | 0.2873% | 495 |
| Net operating income to assets | 0.5699% | 4,386 |
| Return on assets (ROA) | 0.5699% | 4,422 |
| Pretax return on assets | 0.7567% | 4,201 |
| Return on Equity (ROE) | 4.8482% | 4,378 |
| Retained earnings to average equity (ytd only) | 4.4408% | 3,043 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5105% | 2,308 |
| Assets per employee ($millions) | 6.6168% | 1,179 |
| Cash dividends to net income (ytd only)* | 8.4034% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 740 |
| 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 | 78.8847% | 1,061 |
| Net loans and leases to deposits | 100.1311% | 670 |
| Net loans and leases to core deposits | 102.9046% | 1,476 |
| Total domestic deposits to total assets | 78.7814% | 4,262 |
| Equity capital to assets | 12.5060% | 1,855 |
| Core capital (leverage) ratio | 12.3955% | 1,588 |
| Tier 1 risk-based capital ratio | 15.1275% | 2,778 |
| Total risk-based capital ratio | 16.3828% | 2,705 |
| Memoranda: | ||
| Average total assets | $41,762,000 | 4,980 |
| Average earning assets | $39,706,670 | 4,957 |
| Average equity | $4,909,000 | 4,996 |
| Average total loans | $34,759,000 | 4,630 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9252% | 4,509 |
| Cost of funding earning assets | 0.5971% | 3,594 |
| Net interest margin | 3.3281% | 4,093 |
| Noninterest income to average assets | 0.1122% | 5,039 |
| Noninterest expense to average assets | 2.3369% | 3,934 |
| Loan and lease loss provision to assets | 0.1869% | 880 |
| Net operating income to assets | 0.5795% | 4,305 |
| Return on assets (ROA) | 0.5795% | 4,339 |
| Pretax return on assets | 0.7665% | 4,125 |
| Return on Equity (ROE) | 5.0809% | 4,304 |
| Retained earnings to average equity (ytd only) | 4.2614% | 3,214 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0227% | 2,185 |
| Assets per employee ($millions) | 7.0592% | 978 |
| Cash dividends to net income (ytd only)* | 16.1290% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4663% | 1,449 |
| 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 | 82.5027% | 527 |
| Net loans and leases to deposits | 111.9426% | 176 |
| Net loans and leases to core deposits | 115.0382% | 687 |
| Total domestic deposits to total assets | 73.7009% | 4,952 |
| Equity capital to assets | 11.5854% | 2,320 |
| Core capital (leverage) ratio | 11.6897% | 1,992 |
| Tier 1 risk-based capital ratio | 13.6154% | 3,546 |
| Total risk-based capital ratio | 14.8668% | 3,459 |
| Memoranda: | ||
| Average total assets | $42,792,500 | 5,017 |
| Average earning assets | $40,864,000 | 4,992 |
| Average equity | $4,881,000 | 5,043 |
| Average total loans | $36,199,500 | 4,634 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 3,841 |
| Cost of funding earning assets | 0.5040% | 3,319 |
| Net interest margin | 3.5664% | 3,494 |
| Noninterest income to average assets | 0.1476% | 4,972 |
| Noninterest expense to average assets | 2.3472% | 3,998 |
| Loan and lease loss provision to assets | 0.1084% | 2,031 |
| Net operating income to assets | 0.8716% | 3,530 |
| Return on assets (ROA) | 0.8716% | 3,524 |
| Pretax return on assets | 1.1183% | 3,207 |
| Return on Equity (ROE) | 8.0248% | 3,429 |
| Retained earnings to average equity (ytd only) | 5.4772% | 2,495 |
| Net charge-offs to loans | 0.0241% | 2,924 |
| Credit loss provision to net charge-offs | 522.2222% | 667 |
| Earnings coverage of net charge-offs (x) | 59.1111% | 1,030 |
| Efficiency ratio | 65.6774% | 2,917 |
| Assets per employee ($millions) | 7.2050% | 896 |
| Cash dividends to net income (ytd only)* | 31.7460% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 1,814 |
| 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 | 84.2817% | 393 |
| Net loans and leases to deposits | 117.6993% | 123 |
| Net loans and leases to core deposits | 119.9783% | 547 |
| Total domestic deposits to total assets | 71.6077% | 5,096 |
| Equity capital to assets | 11.2306% | 2,487 |
| Core capital (leverage) ratio | 11.2781% | 2,280 |
| Tier 1 risk-based capital ratio | 13.1326% | 3,769 |
| Total risk-based capital ratio | 14.3823% | 3,658 |
| Memoranda: | ||
| Average total assets | $43,370,800 | 5,057 |
| Average earning assets | $41,667,000 | 5,024 |
| Average equity | $4,710,400 | 5,088 |
| Average total loans | $37,372,600 | 4,625 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9955% | 3,946 |
| Cost of funding earning assets | 0.4659% | 3,417 |
| Net interest margin | 3.5295% | 3,599 |
| Noninterest income to average assets | 0.1597% | 4,983 |
| Noninterest expense to average assets | 2.2608% | 4,199 |
| Loan and lease loss provision to assets | 0.0922% | 2,135 |
| Net operating income to assets | 0.9246% | 3,411 |
| Return on assets (ROA) | 0.9246% | 3,418 |
| Pretax return on assets | 1.2041% | 2,963 |
| Return on Equity (ROE) | 8.5858% | 3,296 |
| Retained earnings to average equity (ytd only) | 5.7333% | 2,801 |
| Net charge-offs to loans | 0.0320% | 2,447 |
| Credit loss provision to net charge-offs | 333.3333% | 939 |
| Earnings coverage of net charge-offs (x) | 46.8875% | 1,222 |
| Efficiency ratio | 63.5579% | 3,260 |
| Assets per employee ($millions) | 7.2218% | 864 |
| Cash dividends to net income (ytd only)* | 33.2229% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 2,139 |
| 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 | 85.2577% | 334 |
| Net loans and leases to deposits | 123.7870% | 76 |
| Net loans and leases to core deposits | 126.2706% | 404 |
| Total domestic deposits to total assets | 68.8745% | 5,261 |
| Equity capital to assets | 11.0752% | 2,599 |
| Core capital (leverage) ratio | 11.1688% | 2,436 |
| Tier 1 risk-based capital ratio | 12.8794% | 3,974 |
| Total risk-based capital ratio | 14.1274% | 3,880 |
| Memoranda: | ||
| Average total assets | $43,406,000 | 5,118 |
| Average earning assets | $41,779,750 | 5,080 |
| Average equity | $4,674,250 | 5,155 |
| Average total loans | $37,482,000 | 4,669 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0140% | 3,746 |
| Cost of funding earning assets | 0.4354% | 3,458 |
| Net interest margin | 3.5786% | 3,391 |
| Noninterest income to average assets | 0.1750% | 4,948 |
| Noninterest expense to average assets | 2.2933% | 4,158 |
| Loan and lease loss provision to assets | 0.0691% | 2,498 |
| Net operating income to assets | 0.9624% | 3,182 |
| Return on assets (ROA) | 0.9624% | 3,185 |
| Pretax return on assets | 1.2572% | 2,694 |
| Return on Equity (ROE) | 9.0229% | 3,008 |
| Retained earnings to average equity (ytd only) | 4.7057% | 3,233 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3588% | 3,405 |
| Assets per employee ($millions) | 7.0723% | 893 |
| Cash dividends to net income (ytd only)* | 47.8469% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 2,151 |
| 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 | 85.1487% | 337 |
| Net loans and leases to deposits | 115.8820% | 162 |
| Net loans and leases to core deposits | 118.1016% | 624 |
| Total domestic deposits to total assets | 73.4788% | 5,084 |
| Equity capital to assets | 11.0902% | 2,547 |
| Core capital (leverage) ratio | 11.1363% | 2,403 |
| Tier 1 risk-based capital ratio | 12.8470% | 3,988 |
| Total risk-based capital ratio | 14.0970% | 3,898 |
| Memoranda: | ||
| Average total assets | $43,431,000 | 5,177 |
| Average earning assets | $41,804,000 | 5,133 |
| Average equity | $4,632,670 | 5,218 |
| Average total loans | $37,500,670 | 4,718 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8527% | 4,076 |
| Cost of funding earning assets | 0.4260% | 3,398 |
| Net interest margin | 3.4267% | 3,789 |
| Noninterest income to average assets | 0.1275% | 5,226 |
| Noninterest expense to average assets | 2.2217% | 4,362 |
| Loan and lease loss provision to assets | 0.0546% | 2,674 |
| Net operating income to assets | 0.8741% | 3,396 |
| Return on assets (ROA) | 0.8741% | 3,412 |
| Pretax return on assets | 1.1473% | 2,978 |
| Return on Equity (ROE) | 8.3551% | 3,214 |
| Retained earnings to average equity (ytd only) | -0.3481% | 4,843 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8936% | 3,337 |
| Assets per employee ($millions) | 7.1197% | 917 |
| Cash dividends to net income (ytd only)* | 104.1667% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 2,400 |
| 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 | 85.1491% | 330 |
| Net loans and leases to deposits | 117.9328% | 133 |
| Net loans and leases to core deposits | 119.0327% | 614 |
| Total domestic deposits to total assets | 72.2014% | 5,273 |
| Equity capital to assets | 10.7519% | 2,821 |
| Core capital (leverage) ratio | 10.6607% | 2,776 |
| Tier 1 risk-based capital ratio | 12.4155% | 4,297 |
| Total risk-based capital ratio | 13.6668% | 4,192 |
| Memoranda: | ||
| Average total assets | $43,929,500 | 5,222 |
| Average earning assets | $42,256,500 | 5,179 |
| Average equity | $4,596,000 | 5,277 |
| Average total loans | $37,946,500 | 4,751 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7055% | 4,324 |
| Cost of funding earning assets | 0.3827% | 3,407 |
| Net interest margin | 3.3227% | 4,087 |
| Noninterest income to average assets | 0.1102% | 5,370 |
| Noninterest expense to average assets | 2.1426% | 4,673 |
| Loan and lease loss provision to assets | 0.0727% | 2,757 |
| Net operating income to assets | 0.8298% | 3,035 |
| Return on assets (ROA) | 0.8298% | 3,072 |
| Pretax return on assets | 1.0901% | 3,229 |
| Return on Equity (ROE) | 7.9401% | 2,826 |
| Retained earnings to average equity (ytd only) | 5.1364% | 2,039 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8227% | 3,479 |
| Assets per employee ($millions) | 7.5235% | 756 |
| Cash dividends to net income (ytd only)* | 35.3107% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 2,879 |
| 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 | 85.4855% | 288 |
| Net loans and leases to deposits | 129.0818% | 48 |
| Net loans and leases to core deposits | 130.3242% | 332 |
| Total domestic deposits to total assets | 66.2258% | 5,510 |
| Equity capital to assets | 10.1881% | 3,503 |
| Core capital (leverage) ratio | 10.6843% | 2,665 |
| Tier 1 risk-based capital ratio | 11.7870% | 4,667 |
| Total risk-based capital ratio | 12.9714% | 4,584 |
| Memoranda: | ||
| Average total assets | $42,658,400 | 5,294 |
| Average earning assets | $41,020,400 | 5,250 |
| Average equity | $4,458,400 | 5,350 |
| Average total loans | $36,658,000 | 4,832 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6669% | 4,406 |
| Cost of funding earning assets | 0.3825% | 3,351 |
| Net interest margin | 3.2844% | 4,219 |
| Noninterest income to average assets | 0.1110% | 5,441 |
| Noninterest expense to average assets | 2.1092% | 4,717 |
| Loan and lease loss provision to assets | 0.0507% | 3,081 |
| Net operating income to assets | 0.7041% | 3,957 |
| Return on assets (ROA) | 0.7041% | 4,024 |
| Pretax return on assets | 1.1101% | 3,264 |
| Return on Equity (ROE) | 6.6917% | 3,818 |
| Retained earnings to average equity (ytd only) | 3.5268% | 3,809 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5005% | 3,449 |
| Assets per employee ($millions) | 7.3200% | 819 |
| Cash dividends to net income (ytd only)* | 47.2989% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 3,059 |
| 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 | 85.6125% | 283 |
| Net loans and leases to deposits | 125.2866% | 60 |
| Net loans and leases to core deposits | 126.4834% | 399 |
| Total domestic deposits to total assets | 68.3333% | 5,526 |
| Equity capital to assets | 10.2186% | 3,678 |
| Core capital (leverage) ratio | 10.7803% | 2,663 |
| Tier 1 risk-based capital ratio | 11.8602% | 4,722 |
| Total risk-based capital ratio | 13.0420% | 4,639 |
| Memoranda: | ||
| Average total assets | $42,037,750 | 5,362 |
| Average earning assets | $40,433,250 | 5,320 |
| Average equity | $4,423,250 | 5,412 |
| Average total loans | $36,059,750 | 4,892 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6347% | 4,416 |
| Cost of funding earning assets | 0.3569% | 3,509 |
| Net interest margin | 3.2778% | 4,181 |
| Noninterest income to average assets | 0.1063% | 5,495 |
| Noninterest expense to average assets | 2.1637% | 4,643 |
| Loan and lease loss provision to assets | 0.0241% | 3,517 |
| Net operating income to assets | 0.6762% | 3,954 |
| Return on assets (ROA) | 0.6762% | 4,018 |
| Pretax return on assets | 1.0674% | 3,307 |
| Return on Equity (ROE) | 6.3612% | 3,887 |
| Retained earnings to average equity (ytd only) | 3.6350% | 3,547 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4688% | 3,269 |
| Assets per employee ($millions) | 6.8890% | 977 |
| Cash dividends to net income (ytd only)* | 42.8571% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 2,875 |
| 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 | 85.1889% | 327 |
| Net loans and leases to deposits | 116.3341% | 149 |
| Net loans and leases to core deposits | 117.4320% | 666 |
| Total domestic deposits to total assets | 73.2279% | 5,367 |
| Equity capital to assets | 10.7684% | 3,061 |
| Core capital (leverage) ratio | 10.7995% | 2,597 |
| Tier 1 risk-based capital ratio | 12.6399% | 4,220 |
| Total risk-based capital ratio | 13.8780% | 4,138 |
| Memoranda: | ||
| Average total assets | $41,410,330 | 5,417 |
| Average earning assets | $39,782,670 | 5,378 |
| Average equity | $4,401,670 | 5,457 |
| Average total loans | $35,397,000 | 4,943 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6585% | 4,247 |
| Cost of funding earning assets | 0.3518% | 3,508 |
| Net interest margin | 3.3067% | 3,984 |
| Noninterest income to average assets | 0.1158% | 5,527 |
| Noninterest expense to average assets | 2.1810% | 4,697 |
| Loan and lease loss provision to assets | 0.0097% | 3,435 |
| Net operating income to assets | 0.6948% | 3,734 |
| Return on assets (ROA) | 0.6948% | 3,771 |
| Pretax return on assets | 1.1002% | 2,986 |
| Return on Equity (ROE) | 6.5798% | 3,621 |
| Retained earnings to average equity (ytd only) | 1.0966% | 4,617 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2757% | 3,452 |
| Assets per employee ($millions) | 6.8193% | 1,034 |
| Cash dividends to net income (ytd only)* | 83.3333% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 83.4368% | 418 |
| Net loans and leases to deposits | 111.4233% | 193 |
| Net loans and leases to core deposits | 112.4584% | 751 |
| Total domestic deposits to total assets | 74.8827% | 5,342 |
| Equity capital to assets | 10.7122% | 2,949 |
| Core capital (leverage) ratio | 10.7012% | 2,687 |
| Tier 1 risk-based capital ratio | 12.6896% | 4,265 |
| Total risk-based capital ratio | 13.9375% | 4,174 |
| Memoranda: | ||
| Average total assets | $41,448,500 | 5,480 |
| Average earning assets | $39,798,000 | 5,438 |
| Average equity | $4,377,000 | 5,514 |
| Average total loans | $35,271,500 | 4,991 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5610% | 4,610 |
| Cost of funding earning assets | 0.3501% | 3,518 |
| Net interest margin | 3.2109% | 4,417 |
| Noninterest income to average assets | 0.1191% | 5,586 |
| Noninterest expense to average assets | 2.1819% | 4,820 |
| Loan and lease loss provision to assets | 0.0437% | 3,504 |
| Net operating income to assets | 0.6439% | 4,027 |
| Return on assets (ROA) | 0.6439% | 4,133 |
| Pretax return on assets | 0.9913% | 3,506 |
| Return on Equity (ROE) | 6.1855% | 3,889 |
| Retained earnings to average equity (ytd only) | 3.8514% | 3,182 |
| Net charge-offs to loans | 0.0057% | 4,060 |
| Credit loss provision to net charge-offs | 900.0000% | 419 |
| Earnings coverage of net charge-offs (x) | 213.0000% | 325 |
| Efficiency ratio | 67.5982% | 3,324 |
| Assets per employee ($millions) | 6.9968% | 928 |
| Cash dividends to net income (ytd only)* | 37.7358% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 3,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 84.6597% | 324 |
| Net loans and leases to deposits | 118.4503% | 105 |
| Net loans and leases to core deposits | 119.5700% | 495 |
| Total domestic deposits to total assets | 71.4728% | 5,595 |
| Equity capital to assets | 10.4119% | 3,256 |
| Core capital (leverage) ratio | 10.8662% | 2,474 |
| Tier 1 risk-based capital ratio | 12.2001% | 4,578 |
| Total risk-based capital ratio | 13.4025% | 4,495 |
| Memoranda: | ||
| Average total assets | $41,157,000 | 5,521 |
| Average earning assets | $39,708,200 | 5,478 |
| Average equity | $4,284,200 | 5,591 |
| Average total loans | $34,851,400 | 5,042 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5396% | 4,710 |
| Cost of funding earning assets | 0.3506% | 3,530 |
| Net interest margin | 3.1890% | 4,514 |
| Noninterest income to average assets | 0.1074% | 5,683 |
| Noninterest expense to average assets | 2.1521% | 4,891 |
| Loan and lease loss provision to assets | 0.0456% | 3,331 |
| Net operating income to assets | 0.6251% | 4,185 |
| Return on assets (ROA) | 0.6251% | 4,310 |
| Pretax return on assets | 0.9898% | 3,667 |
| Return on Equity (ROE) | 6.0056% | 4,060 |
| Retained earnings to average equity (ytd only) | 4.1290% | 3,372 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2114% | 3,378 |
| Assets per employee ($millions) | 6.7975% | 962 |
| Cash dividends to net income (ytd only)* | 31.2512% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 3,055 |
| 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 | 84.3325% | 381 |
| Net loans and leases to deposits | 116.3802% | 153 |
| Net loans and leases to core deposits | 117.4974% | 594 |
| Total domestic deposits to total assets | 72.4629% | 5,569 |
| Equity capital to assets | 10.6485% | 3,410 |
| Core capital (leverage) ratio | 11.0307% | 2,419 |
| Tier 1 risk-based capital ratio | 12.4853% | 4,492 |
| Total risk-based capital ratio | 13.7186% | 4,391 |
| Memoranda: | ||
| Average total assets | $40,951,000 | 5,578 |
| Average earning assets | $39,551,500 | 5,535 |
| Average equity | $4,262,500 | 5,660 |
| Average total loans | $34,571,250 | 5,102 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5394% | 4,773 |
| Cost of funding earning assets | 0.3580% | 3,473 |
| Net interest margin | 3.1814% | 4,604 |
| Noninterest income to average assets | 0.1024% | 5,769 |
| Noninterest expense to average assets | 2.1167% | 5,023 |
| Loan and lease loss provision to assets | 0.0390% | 3,375 |
| Net operating income to assets | 0.6487% | 4,044 |
| Return on assets (ROA) | 0.6487% | 4,190 |
| Pretax return on assets | 1.0242% | 3,495 |
| Return on Equity (ROE) | 6.2800% | 3,914 |
| Retained earnings to average equity (ytd only) | 3.4469% | 3,699 |
| Net charge-offs to loans | -0.0058% | 4,566 |
| Credit loss provision to net charge-offs | -800.0000% | 5,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5644% | 3,593 |
| Assets per employee ($millions) | 6.5957% | 1,043 |
| Cash dividends to net income (ytd only)* | 45.1128% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 2,668 |
| 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 | 80.0045% | 900 |
| Net loans and leases to deposits | 105.6388% | 382 |
| Net loans and leases to core deposits | 106.6350% | 1,127 |
| Total domestic deposits to total assets | 75.7341% | 5,317 |
| Equity capital to assets | 10.8177% | 3,265 |
| Core capital (leverage) ratio | 10.7967% | 2,654 |
| Tier 1 risk-based capital ratio | 13.3798% | 3,972 |
| Total risk-based capital ratio | 14.6300% | 3,884 |
| Memoranda: | ||
| Average total assets | $41,006,330 | 5,638 |
| Average earning assets | $39,667,670 | 5,596 |
| Average equity | $4,235,670 | 5,724 |
| Average total loans | $34,487,000 | 5,159 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5601% | 4,735 |
| Cost of funding earning assets | 0.3461% | 3,643 |
| Net interest margin | 3.2140% | 4,537 |
| Noninterest income to average assets | 0.0863% | 5,865 |
| Noninterest expense to average assets | 1.9941% | 5,355 |
| Loan and lease loss provision to assets | 0.0383% | 3,143 |
| Net operating income to assets | 0.7470% | 3,498 |
| Return on assets (ROA) | 0.7286% | 3,694 |
| Pretax return on assets | 1.1409% | 2,930 |
| Return on Equity (ROE) | 7.2158% | 3,339 |
| Retained earnings to average equity (ytd only) | 1.5191% | 4,663 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2754% | 4,412 |
| Assets per employee ($millions) | 6.6397% | 1,037 |
| Cash dividends to net income (ytd only)* | 78.9474% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 3,295 |
| 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 | 84.2939% | 342 |
| Net loans and leases to deposits | 113.3268% | 160 |
| Net loans and leases to core deposits | 114.4079% | 653 |
| Total domestic deposits to total assets | 74.3812% | 5,579 |
| Equity capital to assets | 10.6029% | 3,368 |
| Core capital (leverage) ratio | 10.3502% | 3,127 |
| Tier 1 risk-based capital ratio | 12.7279% | 4,444 |
| Total risk-based capital ratio | 13.9754% | 4,353 |
| Memoranda: | ||
| Average total assets | $41,722,500 | 5,680 |
| Average earning assets | $40,448,000 | 5,626 |
| Average equity | $4,213,000 | 5,772 |
| Average total loans | $35,688,000 | 5,153 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6040% | 4,664 |
| Cost of funding earning assets | 0.3441% | 3,754 |
| Net interest margin | 3.2599% | 4,439 |
| Noninterest income to average assets | 0.0970% | 5,883 |
| Noninterest expense to average assets | 2.0227% | 5,413 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7854% | 3,397 |
| Return on assets (ROA) | 0.7854% | 3,473 |
| Pretax return on assets | 1.1900% | 2,697 |
| Return on Equity (ROE) | 8.1484% | 2,874 |
| Retained earnings to average equity (ytd only) | 5.9395% | 1,826 |
| Net charge-offs to loans | -0.0029% | 4,907 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9602% | 4,446 |
| Assets per employee ($millions) | 7.2678% | 797 |
| Cash dividends to net income (ytd only)* | 27.1084% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 3,987 |
| 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 | 84.7593% | 328 |
| Net loans and leases to deposits | 122.8430% | 82 |
| Net loans and leases to core deposits | 123.9928% | 377 |
| Total domestic deposits to total assets | 68.9981% | 5,940 |
| Equity capital to assets | 9.6361% | 4,391 |
| Core capital (leverage) ratio | 9.9841% | 3,535 |
| Tier 1 risk-based capital ratio | 11.5289% | 5,235 |
| Total risk-based capital ratio | 12.6669% | 5,201 |
| Memoranda: | ||
| Average total assets | $42,270,400 | 5,719 |
| Average earning assets | $40,399,400 | 5,665 |
| Average equity | $4,074,400 | 5,839 |
| Average total loans | $34,361,400 | 5,211 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 4,824 |
| Cost of funding earning assets | 0.3472% | 3,784 |
| Net interest margin | 3.2219% | 4,603 |
| Noninterest income to average assets | 0.1049% | 5,944 |
| Noninterest expense to average assets | 1.9839% | 5,511 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7599% | 3,634 |
| Return on assets (ROA) | 0.7599% | 3,735 |
| Pretax return on assets | 1.1891% | 2,858 |
| Return on Equity (ROE) | 7.8827% | 3,143 |
| Retained earnings to average equity (ytd only) | 6.2335% | 2,098 |
| Net charge-offs to loans | -0.0040% | 4,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5251% | 4,488 |
| Assets per employee ($millions) | 7.1187% | 823 |
| Cash dividends to net income (ytd only)* | 20.9220% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 3,773 |
| 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 | 81.4806% | 642 |
| Net loans and leases to deposits | 127.6997% | 51 |
| Net loans and leases to core deposits | 129.0205% | 293 |
| Total domestic deposits to total assets | 63.8064% | 6,133 |
| Equity capital to assets | 9.7186% | 4,495 |
| Core capital (leverage) ratio | 9.9817% | 3,657 |
| Tier 1 risk-based capital ratio | 11.7164% | 5,257 |
| Total risk-based capital ratio | 12.8877% | 5,221 |
| Memoranda: | ||
| Average total assets | $41,936,250 | 5,799 |
| Average earning assets | $39,934,250 | 5,753 |
| Average equity | $4,042,500 | 5,923 |
| Average total loans | $33,607,750 | 5,298 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5324% | 4,902 |
| Cost of funding earning assets | 0.3381% | 3,949 |
| Net interest margin | 3.1943% | 4,683 |
| Noninterest income to average assets | 0.1056% | 6,009 |
| Noninterest expense to average assets | 1.9723% | 5,581 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7486% | 3,652 |
| Return on assets (ROA) | 0.7486% | 3,748 |
| Pretax return on assets | 1.1709% | 2,896 |
| Return on Equity (ROE) | 7.7877% | 3,172 |
| Retained earnings to average equity (ytd only) | 5.2916% | 2,678 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7481% | 4,554 |
| Assets per employee ($millions) | 6.8267% | 903 |
| Cash dividends to net income (ytd only)* | 32.0513% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 3,668 |
| Loan loss allowance to noncurrent loans | 41,400.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 5,911 |
| Noncurrent loans to loans | 0.0029% | 5,767 |
| Net loans and leases to total assets | 81.7627% | 577 |
| Net loans and leases to deposits | 118.5151% | 110 |
| Net loans and leases to core deposits | 119.6926% | 476 |
| Total domestic deposits to total assets | 68.9893% | 6,075 |
| Equity capital to assets | 9.9268% | 4,116 |
| Core capital (leverage) ratio | 9.9750% | 3,640 |
| Tier 1 risk-based capital ratio | 11.9641% | 5,179 |
| Total risk-based capital ratio | 13.1823% | 5,097 |
| Memoranda: | ||
| Average total assets | $41,677,670 | 5,864 |
| Average earning assets | $39,633,670 | 5,824 |
| Average equity | $4,006,330 | 5,994 |
| Average total loans | $33,071,330 | 5,368 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4703% | 5,034 |
| Cost of funding earning assets | 0.3319% | 4,069 |
| Net interest margin | 3.1383% | 4,824 |
| Noninterest income to average assets | 0.1142% | 6,025 |
| Noninterest expense to average assets | 1.9221% | 5,718 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7422% | 3,586 |
| Return on assets (ROA) | 0.7422% | 3,712 |
| Pretax return on assets | 1.1609% | 2,833 |
| Return on Equity (ROE) | 7.8461% | 3,040 |
| Retained earnings to average equity (ytd only) | 2.8165% | 4,274 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3457% | 4,743 |
| Assets per employee ($millions) | 6.9595% | 869 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 3,717 |
| Loan loss allowance to noncurrent loans | 10,350.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 5,916 |
| Noncurrent loans to loans | 0.0120% | 5,755 |
| Net loans and leases to total assets | 78.6335% | 846 |
| Net loans and leases to deposits | 112.7382% | 175 |
| Net loans and leases to core deposits | 113.8247% | 588 |
| Total domestic deposits to total assets | 69.7488% | 6,144 |
| Equity capital to assets | 9.5649% | 4,675 |
| Core capital (leverage) ratio | 9.9023% | 3,743 |
| Tier 1 risk-based capital ratio | 12.0196% | 5,220 |
| Total risk-based capital ratio | 13.2655% | 5,123 |
| Memoranda: | ||
| Average total assets | $42,036,500 | 5,916 |
| Average earning assets | $39,766,500 | 5,874 |
| Average equity | $3,976,500 | 6,053 |
| Average total loans | $32,655,000 | 5,415 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3609% | 5,603 |
| Cost of funding earning assets | 0.3446% | 4,314 |
| Net interest margin | 3.0163% | 5,416 |
| Noninterest income to average assets | 0.1412% | 5,991 |
| Noninterest expense to average assets | 2.0159% | 5,734 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6489% | 4,151 |
| Return on assets (ROA) | 0.6489% | 4,251 |
| Pretax return on assets | 1.0079% | 3,462 |
| Return on Equity (ROE) | 6.8222% | 3,738 |
| Retained earnings to average equity (ytd only) | 4.9995% | 2,600 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,119 |
| Assets per employee ($millions) | 7.0527% | 822 |
| Cash dividends to net income (ytd only)* | 26.7176% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 3,471 |
| Loan loss allowance to noncurrent loans | 6,900.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 5,998 |
| Noncurrent loans to loans | 0.0187% | 5,819 |
| Net loans and leases to total assets | 74.7873% | 1,450 |
| Net loans and leases to deposits | 108.3171% | 287 |
| Net loans and leases to core deposits | 109.3538% | 808 |
| Total domestic deposits to total assets | 69.0448% | 6,233 |
| Equity capital to assets | 9.3558% | 4,905 |
| Core capital (leverage) ratio | 9.9650% | 3,624 |
| Tier 1 risk-based capital ratio | 11.6626% | 5,568 |
| Total risk-based capital ratio | 12.8822% | 5,495 |
| Memoranda: | ||
| Average total assets | $40,379,000 | 6,028 |
| Average earning assets | $38,590,800 | 5,966 |
| Average equity | $3,840,400 | 6,122 |
| Average total loans | $30,092,000 | 5,559 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2730% | 5,804 |
| Cost of funding earning assets | 0.3419% | 4,436 |
| Net interest margin | 2.9310% | 5,633 |
| Noninterest income to average assets | 0.1404% | 6,075 |
| Noninterest expense to average assets | 2.0153% | 5,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5849% | 4,513 |
| Return on assets (ROA) | 0.5849% | 4,598 |
| Pretax return on assets | 0.9324% | 3,847 |
| Return on Equity (ROE) | 6.1229% | 4,170 |
| Retained earnings to average equity (ytd only) | 4.7235% | 3,266 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3673% | 3,795 |
| Assets per employee ($millions) | 6.7618% | 887 |
| Cash dividends to net income (ytd only)* | 22.8560% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 3,542 |
| Loan loss allowance to noncurrent loans | 5,175.0000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 6,092 |
| Noncurrent loans to loans | 0.0255% | 5,920 |
| Net loans and leases to total assets | 76.1948% | 1,196 |
| Net loans and leases to deposits | 112.1133% | 179 |
| Net loans and leases to core deposits | 113.2510% | 609 |
| Total domestic deposits to total assets | 67.9623% | 6,352 |
| Equity capital to assets | 9.6226% | 4,643 |
| Core capital (leverage) ratio | 9.9139% | 3,796 |
| Tier 1 risk-based capital ratio | 11.6128% | 5,733 |
| Total risk-based capital ratio | 12.8443% | 5,659 |
| Memoranda: | ||
| Average total assets | $39,894,750 | 6,116 |
| Average earning assets | $38,210,750 | 6,048 |
| Average equity | $3,810,750 | 6,196 |
| Average total loans | $29,599,750 | 5,633 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1573% | 5,994 |
| Cost of funding earning assets | 0.3432% | 4,506 |
| Net interest margin | 2.8141% | 5,876 |
| Noninterest income to average assets | 0.1361% | 6,143 |
| Noninterest expense to average assets | 2.0318% | 5,771 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4991% | 4,812 |
| Return on assets (ROA) | 0.4991% | 4,896 |
| Pretax return on assets | 0.7915% | 4,308 |
| Return on Equity (ROE) | 5.2386% | 4,561 |
| Retained earnings to average equity (ytd only) | 3.1220% | 4,220 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9643% | 3,350 |
| Assets per employee ($millions) | 6.4910% | 1,020 |
| Cash dividends to net income (ytd only)* | 40.4040% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 3,178 |
| Loan loss allowance to noncurrent loans | 4,140.0000% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 6,142 |
| Noncurrent loans to loans | 0.0346% | 5,958 |
| Net loans and leases to total assets | 73.1372% | 1,554 |
| Net loans and leases to deposits | 98.1259% | 656 |
| Net loans and leases to core deposits | 99.0679% | 1,362 |
| Total domestic deposits to total assets | 74.5340% | 6,061 |
| Equity capital to assets | 9.8239% | 4,320 |
| Core capital (leverage) ratio | 10.0202% | 3,582 |
| Tier 1 risk-based capital ratio | 12.2646% | 5,376 |
| Total risk-based capital ratio | 13.5170% | 5,298 |
| Memoranda: | ||
| Average total assets | $39,669,330 | 6,181 |
| Average earning assets | $37,880,330 | 6,113 |
| Average equity | $3,779,670 | 6,248 |
| Average total loans | $29,024,000 | 5,696 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0280% | 6,214 |
| Cost of funding earning assets | 0.3341% | 4,702 |
| Net interest margin | 2.6939% | 6,119 |
| Noninterest income to average assets | 0.1499% | 6,074 |
| Noninterest expense to average assets | 2.1284% | 5,619 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3897% | 5,155 |
| Return on assets (ROA) | 0.3897% | 5,221 |
| Pretax return on assets | 0.5995% | 4,831 |
| Return on Equity (ROE) | 4.1528% | 4,961 |
| Retained earnings to average equity (ytd only) | -0.1065% | 5,572 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0220% | 2,472 |
| Assets per employee ($millions) | 6.5280% | 1,008 |
| Cash dividends to net income (ytd only)* | 102.5641% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 2,950 |
| Loan loss allowance to noncurrent loans | 3,450.0000% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 6,201 |
| Noncurrent loans to loans | 0.0448% | 6,015 |
| Net loans and leases to total assets | 67.3458% | 2,330 |
| Net loans and leases to deposits | 86.2054% | 1,579 |
| Net loans and leases to core deposits | 86.9872% | 2,195 |
| Total domestic deposits to total assets | 78.1224% | 5,818 |
| Equity capital to assets | 9.5895% | 4,369 |
| Core capital (leverage) ratio | 9.2249% | 4,683 |
| Tier 1 risk-based capital ratio | 12.7482% | 5,164 |
| Total risk-based capital ratio | 14.0001% | 5,097 |
| Memoranda: | ||
| Average total assets | $40,031,000 | 6,234 |
| Average earning assets | $38,308,500 | 6,157 |
| Average equity | $3,756,500 | 6,295 |
| Average total loans | $29,087,000 | 5,745 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2590% | 6,060 |
| Cost of funding earning assets | 0.3911% | 4,745 |
| Net interest margin | 2.8679% | 5,859 |
| Noninterest income to average assets | 0.1561% | 6,155 |
| Noninterest expense to average assets | 2.1670% | 5,700 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5061% | 4,705 |
| Return on assets (ROA) | 0.5061% | 4,837 |
| Pretax return on assets | 0.7134% | 4,490 |
| Return on Equity (ROE) | 5.0838% | 4,580 |
| Retained earnings to average equity (ytd only) | 3.1909% | 3,963 |
| Net charge-offs to loans | 0.0039% | 5,404 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 265.0000% | 169 |
| Efficiency ratio | 75.2336% | 2,910 |
| Assets per employee ($millions) | 6.8157% | 840 |
| Cash dividends to net income (ytd only)* | 37.2340% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 4,046 |
| Loan loss allowance to noncurrent loans | 2,957.1429% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 6,277 |
| Noncurrent loans to loans | 0.0446% | 6,103 |
| Net loans and leases to total assets | 75.7275% | 1,115 |
| Net loans and leases to deposits | 108.4580% | 195 |
| Net loans and leases to core deposits | 109.5127% | 629 |
| Total domestic deposits to total assets | 69.8220% | 6,528 |
| Equity capital to assets | 9.1872% | 4,819 |
| Core capital (leverage) ratio | 9.0586% | 4,916 |
| Tier 1 risk-based capital ratio | 11.2256% | 6,063 |
| Total risk-based capital ratio | 12.4587% | 6,019 |
| Memoranda: | ||
| Average total assets | $37,148,000 | 6,359 |
| Average earning assets | $35,287,200 | 6,309 |
| Average equity | $3,698,000 | 6,394 |
| Average total loans | $25,906,800 | 5,939 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2854% | 6,078 |
| Cost of funding earning assets | 0.4082% | 4,752 |
| Net interest margin | 2.8771% | 5,862 |
| Noninterest income to average assets | 0.1583% | 6,238 |
| Noninterest expense to average assets | 2.1429% | 5,739 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4860% | 4,859 |
| Return on assets (ROA) | 0.4860% | 5,017 |
| Pretax return on assets | 0.7401% | 4,534 |
| Return on Equity (ROE) | 4.7784% | 4,836 |
| Retained earnings to average equity (ytd only) | 3.1494% | 4,427 |
| Net charge-offs to loans | 0.0054% | 5,078 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 201.4962% | 290 |
| Efficiency ratio | 74.3295% | 3,006 |
| Assets per employee ($millions) | 6.0752% | 1,189 |
| Cash dividends to net income (ytd only)* | 34.0909% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5752% | 3,122 |
| Loan loss allowance to noncurrent loans | 2,587.5000% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 6,341 |
| Noncurrent loans to loans | 0.0609% | 6,161 |
| Net loans and leases to total assets | 70.9665% | 1,788 |
| Net loans and leases to deposits | 90.1764% | 1,144 |
| Net loans and leases to core deposits | 91.0460% | 1,863 |
| Total domestic deposits to total assets | 78.6974% | 5,801 |
| Equity capital to assets | 10.2192% | 3,615 |
| Core capital (leverage) ratio | 10.6950% | 2,799 |
| Tier 1 risk-based capital ratio | 13.0208% | 5,106 |
| Total risk-based capital ratio | 14.2748% | 5,058 |
| Memoranda: | ||
| Average total assets | $36,211,500 | 6,456 |
| Average earning assets | $34,292,750 | 6,411 |
| Average equity | $3,683,250 | 6,471 |
| Average total loans | $24,538,000 | 6,064 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1954% | 6,237 |
| Cost of funding earning assets | 0.4097% | 4,859 |
| Net interest margin | 2.7857% | 6,033 |
| Noninterest income to average assets | 0.1550% | 6,279 |
| Noninterest expense to average assets | 2.1256% | 5,812 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4428% | 5,048 |
| Return on assets (ROA) | 0.4428% | 5,212 |
| Pretax return on assets | 0.6642% | 4,802 |
| Return on Equity (ROE) | 4.3605% | 5,067 |
| Retained earnings to average equity (ytd only) | 1.9077% | 5,055 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1905% | 2,753 |
| Assets per employee ($millions) | 5.8623% | 1,298 |
| Cash dividends to net income (ytd only)* | 56.2500% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8317% | 2,325 |
| Loan loss allowance to noncurrent loans | 2,305.5556% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 6,352 |
| Noncurrent loans to loans | 0.0794% | 6,156 |
| Net loans and leases to total assets | 63.2314% | 3,058 |
| Net loans and leases to deposits | 77.5434% | 2,634 |
| Net loans and leases to core deposits | 78.2913% | 3,254 |
| Total domestic deposits to total assets | 81.5432% | 5,202 |
| Equity capital to assets | 10.4765% | 3,337 |
| Core capital (leverage) ratio | 10.4233% | 2,964 |
| Tier 1 risk-based capital ratio | 14.5761% | 4,051 |
| Total risk-based capital ratio | 15.8296% | 4,013 |
| Memoranda: | ||
| Average total assets | $36,131,670 | 6,507 |
| Average earning assets | $34,174,000 | 6,458 |
| Average equity | $3,669,330 | 6,527 |
| Average total loans | $23,956,670 | 6,129 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1318% | 6,370 |
| Cost of funding earning assets | 0.4030% | 5,073 |
| Net interest margin | 2.7288% | 6,168 |
| Noninterest income to average assets | 0.1530% | 6,338 |
| Noninterest expense to average assets | 2.0868% | 5,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4370% | 4,968 |
| Return on assets (ROA) | 0.4370% | 5,134 |
| Pretax return on assets | 0.6555% | 4,767 |
| Return on Equity (ROE) | 4.3698% | 4,916 |
| Retained earnings to average equity (ytd only) | -0.5462% | 5,891 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0956% | 2,906 |
| Assets per employee ($millions) | 6.2165% | 1,131 |
| Cash dividends to net income (ytd only)* | 112.5000% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8076% | 2,595 |
| Loan loss allowance to noncurrent loans | 2,075.0000% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 6,447 |
| Noncurrent loans to loans | 0.0871% | 6,218 |
| Net loans and leases to total assets | 60.4413% | 3,355 |
| Net loans and leases to deposits | 74.5355% | 2,847 |
| Net loans and leases to core deposits | 75.2144% | 3,436 |
| Total domestic deposits to total assets | 81.0906% | 5,470 |
| Equity capital to assets | 9.8046% | 4,412 |
| Core capital (leverage) ratio | 9.8907% | 3,540 |
| Tier 1 risk-based capital ratio | 14.1012% | 4,430 |
| Total risk-based capital ratio | 15.3543% | 4,385 |
| Memoranda: | ||
| Average total assets | $36,610,500 | 6,557 |
| Average earning assets | $34,740,000 | 6,500 |
| Average equity | $3,661,500 | 6,596 |
| Average total loans | $24,607,000 | 6,137 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5849% | 6,243 |
| Cost of funding earning assets | 0.5520% | 4,798 |
| Net interest margin | 3.0329% | 5,970 |
| Noninterest income to average assets | 0.1982% | 6,002 |
| Noninterest expense to average assets | 2.3577% | 5,538 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5076% | 4,652 |
| Return on assets (ROA) | 0.5076% | 4,915 |
| Pretax return on assets | 0.7118% | 4,630 |
| Return on Equity (ROE) | 4.6965% | 4,835 |
| Retained earnings to average equity (ytd only) | 2.8902% | 4,201 |
| Net charge-offs to loans | -0.0043% | 6,372 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8102% | 2,625 |
| Assets per employee ($millions) | 5.9870% | 1,287 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5807% | 3,402 |
| Loan loss allowance to noncurrent loans | 1,886.3636% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 6,463 |
| Noncurrent loans to loans | 0.0838% | 6,273 |
| Net loans and leases to total assets | 71.9336% | 1,503 |
| Net loans and leases to deposits | 92.6962% | 851 |
| Net loans and leases to core deposits | 93.6130% | 1,499 |
| Total domestic deposits to total assets | 77.6015% | 6,144 |
| Equity capital to assets | 10.2054% | 3,881 |
| Core capital (leverage) ratio | 10.9194% | 2,321 |
| Tier 1 risk-based capital ratio | 13.5705% | 4,701 |
| Total risk-based capital ratio | 14.7859% | 4,679 |
| Memoranda: | ||
| Average total assets | $33,295,800 | 6,672 |
| Average earning assets | $31,521,000 | 6,626 |
| Average equity | $3,598,400 | 6,666 |
| Average total loans | $23,035,800 | 6,294 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5510% | 6,446 |
| Cost of funding earning assets | 0.5804% | 4,835 |
| Net interest margin | 2.9706% | 6,230 |
| Noninterest income to average assets | 0.2002% | 6,097 |
| Noninterest expense to average assets | 2.3448% | 5,557 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4575% | 5,005 |
| Return on assets (ROA) | 0.4575% | 5,253 |
| Pretax return on assets | 0.6781% | 4,927 |
| Return on Equity (ROE) | 4.1695% | 5,219 |
| Retained earnings to average equity (ytd only) | 2.6804% | 4,955 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5676% | 2,447 |
| Assets per employee ($millions) | 5.4218% | 1,712 |
| Cash dividends to net income (ytd only)* | 35.7129% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8039% | 2,783 |
| Loan loss allowance to noncurrent loans | 1,800.0000% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 6,565 |
| Noncurrent loans to loans | 0.1002% | 6,363 |
| Net loans and leases to total assets | 69.2755% | 2,056 |
| Net loans and leases to deposits | 86.4044% | 1,555 |
| Net loans and leases to core deposits | 87.3150% | 2,304 |
| Total domestic deposits to total assets | 80.1758% | 5,609 |
| Equity capital to assets | 11.1801% | 3,059 |
| Core capital (leverage) ratio | 11.2099% | 2,206 |
| Tier 1 risk-based capital ratio | 15.1607% | 3,737 |
| Total risk-based capital ratio | 16.4174% | 3,678 |
| Memoranda: | ||
| Average total assets | $32,639,250 | 6,779 |
| Average earning assets | $31,014,500 | 6,722 |
| Average equity | $3,581,500 | 6,749 |
| Average total loans | $22,231,000 | 6,411 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4577% | 6,658 |
| Cost of funding earning assets | 0.6170% | 4,745 |
| Net interest margin | 2.8407% | 6,514 |
| Noninterest income to average assets | 0.1897% | 6,200 |
| Noninterest expense to average assets | 2.2953% | 5,755 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4101% | 5,179 |
| Return on assets (ROA) | 0.4101% | 5,410 |
| Pretax return on assets | 0.5998% | 5,134 |
| Return on Equity (ROE) | 3.7609% | 5,378 |
| Retained earnings to average equity (ytd only) | 1.5156% | 5,447 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2812% | 2,291 |
| Assets per employee ($millions) | 5.4643% | 1,646 |
| Cash dividends to net income (ytd only)* | 59.7015% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8871% | 2,599 |
| Loan loss allowance to noncurrent loans | 1,725.0000% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 6,630 |
| Noncurrent loans to loans | 0.1094% | 6,392 |
| Net loans and leases to total assets | 65.6530% | 2,741 |
| Net loans and leases to deposits | 80.9454% | 2,237 |
| Net loans and leases to core deposits | 81.7788% | 2,989 |
| Total domestic deposits to total assets | 81.1078% | 5,432 |
| Equity capital to assets | 10.9345% | 3,189 |
| Core capital (leverage) ratio | 10.9264% | 2,374 |
| Tier 1 risk-based capital ratio | 15.3460% | 3,544 |
| Total risk-based capital ratio | 16.6037% | 3,498 |
| Memoranda: | ||
| Average total assets | $32,675,330 | 6,825 |
| Average earning assets | $31,118,670 | 6,764 |
| Average equity | $3,563,000 | 6,793 |
| Average total loans | $21,991,330 | 6,467 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4176% | 6,788 |
| Cost of funding earning assets | 0.6296% | 4,898 |
| Net interest margin | 2.7880% | 6,656 |
| Noninterest income to average assets | 0.2085% | 6,133 |
| Noninterest expense to average assets | 2.2808% | 5,818 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4047% | 5,233 |
| Return on assets (ROA) | 0.4047% | 5,418 |
| Pretax return on assets | 0.5886% | 5,150 |
| Return on Equity (ROE) | 3.7162% | 5,420 |
| Retained earnings to average equity (ytd only) | -0.7883% | 6,121 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4872% | 2,270 |
| Assets per employee ($millions) | 5.6302% | 1,588 |
| Cash dividends to net income (ytd only)* | 121.2121% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0484% | 2,222 |
| Loan loss allowance to noncurrent loans | 1,656.0000% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 6,701 |
| Noncurrent loans to loans | 0.1237% | 6,438 |
| Net loans and leases to total assets | 58.6039% | 3,942 |
| Net loans and leases to deposits | 70.8605% | 3,606 |
| Net loans and leases to core deposits | 71.5494% | 4,219 |
| Total domestic deposits to total assets | 82.7033% | 5,040 |
| Equity capital to assets | 10.5029% | 3,486 |
| Core capital (leverage) ratio | 10.7357% | 2,516 |
| Tier 1 risk-based capital ratio | 16.4536% | 2,930 |
| Total risk-based capital ratio | 17.7132% | 2,892 |
| Memoranda: | ||
| Average total assets | $32,620,000 | 6,875 |
| Average earning assets | $31,133,000 | 6,817 |
| Average equity | $3,552,000 | 6,835 |
| Average total loans | $22,017,500 | 6,511 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9484% | 6,550 |
| Cost of funding earning assets | 0.7735% | 5,041 |
| Net interest margin | 3.1749% | 6,163 |
| Noninterest income to average assets | 0.2222% | 5,939 |
| Noninterest expense to average assets | 2.5376% | 5,327 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4876% | 4,477 |
| Return on assets (ROA) | 0.4876% | 4,683 |
| Pretax return on assets | 0.6800% | 4,411 |
| Return on Equity (ROE) | 4.1986% | 4,755 |
| Retained earnings to average equity (ytd only) | 2.4849% | 4,458 |
| Net charge-offs to loans | 0.0048% | 6,374 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 170 |
| Efficiency ratio | 78.8660% | 2,475 |
| Assets per employee ($millions) | 5.2432% | 1,894 |
| Cash dividends to net income (ytd only)* | 40.8163% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7377% | 3,064 |
| Loan loss allowance to noncurrent loans | 1,592.3077% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 6,746 |
| Noncurrent loans to loans | 0.1091% | 6,541 |
| Net loans and leases to total assets | 74.4143% | 1,196 |
| Net loans and leases to deposits | 94.0425% | 813 |
| Net loans and leases to core deposits | 95.0660% | 1,582 |
| Total domestic deposits to total assets | 79.1284% | 5,964 |
| Equity capital to assets | 11.3036% | 2,689 |
| Core capital (leverage) ratio | 11.5620% | 1,837 |
| Tier 1 risk-based capital ratio | 12.7460% | 5,273 |
| Total risk-based capital ratio | 14.0005% | 5,248 |
| Memoranda: | ||
| Average total assets | $30,147,000 | 6,968 |
| Average earning assets | $28,441,800 | 6,911 |
| Average equity | $3,501,200 | 6,878 |
| Average total loans | $20,970,200 | 6,609 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9040% | 6,723 |
| Cost of funding earning assets | 0.8064% | 5,107 |
| Net interest margin | 3.0975% | 6,386 |
| Noninterest income to average assets | 0.2236% | 6,016 |
| Noninterest expense to average assets | 2.4547% | 5,608 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4695% | 4,678 |
| Return on assets (ROA) | 0.4695% | 4,872 |
| Pretax return on assets | 0.6886% | 4,521 |
| Return on Equity (ROE) | 4.0143% | 4,983 |
| Retained earnings to average equity (ytd only) | 2.4849% | 4,880 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0939% | 2,534 |
| Assets per employee ($millions) | 4.8660% | 2,377 |
| Cash dividends to net income (ytd only)* | 38.0929% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9761% | 2,399 |
| Loan loss allowance to noncurrent loans | 1,537.0370% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 6,825 |
| Noncurrent loans to loans | 0.1286% | 6,613 |
| Net loans and leases to total assets | 70.5097% | 1,976 |
| Net loans and leases to deposits | 86.1988% | 1,665 |
| Net loans and leases to core deposits | 87.1734% | 2,605 |
| Total domestic deposits to total assets | 81.7989% | 5,160 |
| Equity capital to assets | 12.1010% | 2,170 |
| Core capital (leverage) ratio | 12.1614% | 1,612 |
| Tier 1 risk-based capital ratio | 15.6501% | 3,307 |
| Total risk-based capital ratio | 16.9081% | 3,271 |
| Memoranda: | ||
| Average total assets | $29,819,000 | 7,045 |
| Average earning assets | $28,107,500 | 6,992 |
| Average equity | $3,487,500 | 6,937 |
| Average total loans | $20,256,750 | 6,710 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7818% | 6,941 |
| Cost of funding earning assets | 0.8099% | 5,303 |
| Net interest margin | 2.9719% | 6,657 |
| Noninterest income to average assets | 0.2265% | 6,043 |
| Noninterest expense to average assets | 2.3979% | 5,852 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4396% | 4,771 |
| Return on assets (ROA) | 0.4396% | 4,909 |
| Pretax return on assets | 0.6394% | 4,620 |
| Return on Equity (ROE) | 3.8015% | 5,020 |
| Retained earnings to average equity (ytd only) | 1.4976% | 5,232 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9474% | 2,570 |
| Assets per employee ($millions) | 4.3794% | 3,031 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1009% | 2,122 |
| Loan loss allowance to noncurrent loans | 1,482.1429% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 6,870 |
| Noncurrent loans to loans | 0.1418% | 6,622 |
| Net loans and leases to total assets | 63.0806% | 3,664 |
| Net loans and leases to deposits | 76.6317% | 3,353 |
| Net loans and leases to core deposits | 77.4480% | 4,127 |
| Total domestic deposits to total assets | 82.3167% | 5,053 |
| Equity capital to assets | 11.4203% | 2,577 |
| Core capital (leverage) ratio | 11.4596% | 1,941 |
| Tier 1 risk-based capital ratio | 16.1561% | 2,899 |
| Total risk-based capital ratio | 17.4167% | 2,868 |
| Memoranda: | ||
| Average total assets | $30,026,670 | 7,105 |
| Average earning assets | $28,399,330 | 7,047 |
| Average equity | $3,472,330 | 6,989 |
| Average total loans | $20,008,670 | 6,787 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7769% | 6,978 |
| Cost of funding earning assets | 0.8235% | 5,442 |
| Net interest margin | 2.9533% | 6,671 |
| Noninterest income to average assets | 0.2154% | 6,195 |
| Noninterest expense to average assets | 2.4233% | 5,821 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4173% | 4,870 |
| Return on assets (ROA) | 0.4173% | 4,963 |
| Pretax return on assets | 0.5924% | 4,714 |
| Return on Equity (ROE) | 3.5859% | 5,105 |
| Retained earnings to average equity (ytd only) | -1.0411% | 5,994 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3571% | 2,463 |
| Assets per employee ($millions) | 5.0773% | 2,056 |
| Cash dividends to net income (ytd only)* | 129.0323% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1959% | 1,973 |
| Loan loss allowance to noncurrent loans | 965.1163% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 6,810 |
| Noncurrent loans to loans | 0.2275% | 6,523 |
| Net loans and leases to total assets | 60.6749% | 4,138 |
| Net loans and leases to deposits | 74.6798% | 3,654 |
| Net loans and leases to core deposits | 75.4880% | 4,362 |
| Total domestic deposits to total assets | 81.2467% | 5,591 |
| Equity capital to assets | 11.3281% | 2,393 |
| Core capital (leverage) ratio | 11.3688% | 1,921 |
| Tier 1 risk-based capital ratio | 16.3857% | 2,715 |
| Total risk-based capital ratio | 17.6440% | 2,680 |
| Memoranda: | ||
| Average total assets | $29,712,000 | 7,157 |
| Average earning assets | $28,171,500 | 7,099 |
| Average equity | $3,458,000 | 7,026 |
| Average total loans | $20,136,500 | 6,833 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3920% | 6,628 |
| Cost of funding earning assets | 1.1431% | 4,889 |
| Net interest margin | 3.2489% | 6,136 |
| Noninterest income to average assets | 0.2658% | 5,888 |
| Noninterest expense to average assets | 2.7193% | 4,905 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4167% | 4,477 |
| Return on assets (ROA) | 0.4167% | 4,607 |
| Pretax return on assets | 0.5891% | 4,360 |
| Return on Equity (ROE) | 3.3699% | 4,802 |
| Retained earnings to average equity (ytd only) | 1.6269% | 4,704 |
| Net charge-offs to loans | -0.3541% | 7,579 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1933% | 2,139 |
| Assets per employee ($millions) | 4.8267% | 2,390 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9416% | 2,439 |
| Loan loss allowance to noncurrent loans | 943.1818% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 6,851 |
| Noncurrent loans to loans | 0.2059% | 6,655 |
| Net loans and leases to total assets | 72.3722% | 2,010 |
| Net loans and leases to deposits | 88.3638% | 1,743 |
| Net loans and leases to core deposits | 89.3583% | 2,847 |
| Total domestic deposits to total assets | 81.9026% | 5,216 |
| Equity capital to assets | 11.9648% | 1,940 |
| Core capital (leverage) ratio | 12.3239% | 1,384 |
| Tier 1 risk-based capital ratio | 15.0078% | 3,250 |
| Total risk-based capital ratio | 16.2639% | 3,198 |
| Memoranda: | ||
| Average total assets | $27,838,000 | 7,266 |
| Average earning assets | $26,070,400 | 7,225 |
| Average equity | $3,442,200 | 7,150 |
| Average total loans | $18,639,800 | 6,995 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3849% | 6,839 |
| Cost of funding earning assets | 1.1983% | 4,871 |
| Net interest margin | 3.1867% | 6,387 |
| Noninterest income to average assets | 0.2854% | 5,832 |
| Noninterest expense to average assets | 2.6659% | 5,022 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4258% | 4,641 |
| Return on assets (ROA) | 0.4258% | 4,819 |
| Pretax return on assets | 0.6048% | 4,580 |
| Return on Equity (ROE) | 3.4142% | 5,044 |
| Retained earnings to average equity (ytd only) | 1.8624% | 5,029 |
| Net charge-offs to loans | -0.3861% | 7,669 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5089% | 2,127 |
| Assets per employee ($millions) | 4.5748% | 2,783 |
| Cash dividends to net income (ytd only)* | 45.4530% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0345% | 2,137 |
| Loan loss allowance to noncurrent loans | 786.2745% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 6,897 |
| Noncurrent loans to loans | 0.2588% | 6,664 |
| Net loans and leases to total assets | 70.3450% | 2,651 |
| Net loans and leases to deposits | 86.7742% | 2,186 |
| Net loans and leases to core deposits | 87.8081% | 3,394 |
| Total domestic deposits to total assets | 81.0667% | 5,339 |
| Equity capital to assets | 12.6489% | 1,781 |
| Core capital (leverage) ratio | 12.5359% | 1,392 |
| Tier 1 risk-based capital ratio | 17.2669% | 2,252 |
| Total risk-based capital ratio | 18.5274% | 2,210 |
| Memoranda: | ||
| Average total assets | $27,557,500 | 7,371 |
| Average earning assets | $25,815,000 | 7,328 |
| Average equity | $3,436,500 | 7,245 |
| Average total loans | $17,956,250 | 7,121 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2209% | 7,145 |
| Cost of funding earning assets | 1.2292% | 4,962 |
| Net interest margin | 2.9918% | 6,845 |
| Noninterest income to average assets | 0.2972% | 5,769 |
| Noninterest expense to average assets | 2.6093% | 5,283 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3624% | 4,919 |
| Return on assets (ROA) | 0.3624% | 5,080 |
| Pretax return on assets | 0.4929% | 4,922 |
| Return on Equity (ROE) | 2.9200% | 5,264 |
| Retained earnings to average equity (ytd only) | 0.5840% | 5,528 |
| Net charge-offs to loans | -0.1842% | 7,636 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1121% | 1,908 |
| Assets per employee ($millions) | 4.6245% | 2,695 |
| Cash dividends to net income (ytd only)* | 80.0000% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0078% | 2,155 |
| Loan loss allowance to noncurrent loans | 701.9231% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 6,925 |
| Noncurrent loans to loans | 0.2860% | 6,659 |
| Net loans and leases to total assets | 64.2015% | 4,217 |
| Net loans and leases to deposits | 77.7259% | 4,036 |
| Net loans and leases to core deposits | 78.6143% | 4,853 |
| Total domestic deposits to total assets | 82.5999% | 4,738 |
| Equity capital to assets | 12.3905% | 1,874 |
| Core capital (leverage) ratio | 12.2506% | 1,519 |
| Tier 1 risk-based capital ratio | 18.2430% | 1,887 |
| Total risk-based capital ratio | 19.5469% | 1,846 |
| Memoranda: | ||
| Average total assets | $27,593,670 | 7,426 |
| Average earning assets | $25,871,000 | 7,377 |
| Average equity | $3,424,670 | 7,290 |
| Average total loans | $17,371,670 | 7,203 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2185% | 7,237 |
| Cost of funding earning assets | 1.2609% | 5,059 |
| Net interest margin | 2.9576% | 6,928 |
| Noninterest income to average assets | 0.3053% | 5,697 |
| Noninterest expense to average assets | 2.5730% | 5,465 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3634% | 5,006 |
| Return on assets (ROA) | 0.3634% | 5,132 |
| Pretax return on assets | 0.4942% | 4,979 |
| Return on Equity (ROE) | 2.9257% | 5,366 |
| Retained earnings to average equity (ytd only) | -1.7554% | 6,171 |
| Net charge-offs to loans | -0.2122% | 7,685 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8863% | 2,030 |
| Assets per employee ($millions) | 4.6918% | 2,661 |
| Cash dividends to net income (ytd only)* | 160.0000% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1186% | 1,914 |
| Loan loss allowance to noncurrent loans | 675.4717% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 7,001 |
| Noncurrent loans to loans | 0.3136% | 6,683 |
| Net loans and leases to total assets | 58.7546% | 5,313 |
| Net loans and leases to deposits | 71.1000% | 5,185 |
| Net loans and leases to core deposits | 71.8943% | 5,726 |
| Total domestic deposits to total assets | 82.6365% | 4,783 |
| Equity capital to assets | 12.0955% | 1,991 |
| Core capital (leverage) ratio | 12.2342% | 1,532 |
| Tier 1 risk-based capital ratio | 15.6956% | 2,783 |
| Total risk-based capital ratio | 16.9507% | 2,727 |
| Memoranda: | ||
| Average total assets | $27,517,000 | 7,522 |
| Average earning assets | $25,696,500 | 7,470 |
| Average equity | $3,418,000 | 7,365 |
| Average total loans | $16,968,000 | 7,318 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8914% | 6,727 |
| Cost of funding earning assets | 1.6046% | 5,004 |
| Net interest margin | 3.2869% | 5,793 |
| Noninterest income to average assets | 0.3040% | 5,923 |
| Noninterest expense to average assets | 2.7818% | 5,042 |
| Loan and lease loss provision to assets | -0.1140% | 7,989 |
| Net operating income to assets | 0.4750% | 3,837 |
| Return on assets (ROA) | 0.4750% | 3,942 |
| Pretax return on assets | 0.6878% | 3,611 |
| Return on Equity (ROE) | 3.6786% | 4,215 |
| Retained earnings to average equity (ytd only) | 1.9129% | 3,757 |
| Net charge-offs to loans | 0.0777% | 6,336 |
| Credit loss provision to net charge-offs | -230.7692% | 7,398 |
| Earnings coverage of net charge-offs (x) | 11.6154% | 1,578 |
| Efficiency ratio | 82.8992% | 2,487 |
| Assets per employee ($millions) | 4.4805% | 2,964 |
| Cash dividends to net income (ytd only)* | 48.0000% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0484% | 1,920 |
| Loan loss allowance to noncurrent loans | 646.2963% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 6,958 |
| Noncurrent loans to loans | 0.3169% | 6,647 |
| Net loans and leases to total assets | 62.0801% | 4,973 |
| Net loans and leases to deposits | 71.3541% | 5,424 |
| Net loans and leases to core deposits | 79.0311% | 6,181 |
| Total domestic deposits to total assets | 87.0029% | 2,507 |
| Equity capital to assets | 12.7627% | 1,609 |
| Core capital (leverage) ratio | 13.7147% | 1,039 |
| Tier 1 risk-based capital ratio | 17.4251% | 2,045 |
| Total risk-based capital ratio | 18.6844% | 2,003 |
| Memoranda: | ||
| Average total assets | $26,314,000 | 7,602 |
| Average earning assets | $24,430,400 | 7,564 |
| Average equity | $3,398,000 | 7,476 |
| Average total loans | $16,731,400 | 7,368 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8070% | 7,107 |
| Cost of funding earning assets | 1.6589% | 5,113 |
| Net interest margin | 3.1481% | 6,186 |
| Noninterest income to average assets | 0.3210% | 5,911 |
| Noninterest expense to average assets | 2.7561% | 5,079 |
| Loan and lease loss provision to assets | -0.1528% | 8,077 |
| Net operating income to assets | 0.4483% | 4,204 |
| Return on assets (ROA) | 0.4483% | 4,304 |
| Pretax return on assets | 0.6470% | 4,032 |
| Return on Equity (ROE) | 3.4613% | 4,596 |
| Retained earnings to average equity (ytd only) | 1.6913% | 4,363 |
| Net charge-offs to loans | -0.0800% | 7,901 |
| Credit loss provision to net charge-offs | 300.0000% | 1,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7962% | 2,209 |
| Assets per employee ($millions) | 4.3502% | 3,119 |
| Cash dividends to net income (ytd only)* | 51.1378% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0907% | 1,617 |
| Loan loss allowance to noncurrent loans | 122.7723% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 1.1609% | 4,757 |
| Noncurrent loans to loans | 1.7029% | 4,085 |
| Net loans and leases to total assets | 66.7446% | 4,248 |
| Net loans and leases to deposits | 77.2721% | 4,846 |
| Net loans and leases to core deposits | 85.8939% | 5,875 |
| Total domestic deposits to total assets | 86.3760% | 2,493 |
| Equity capital to assets | 13.1029% | 1,654 |
| Core capital (leverage) ratio | 12.8812% | 1,415 |
| Tier 1 risk-based capital ratio | 17.9631% | 2,001 |
| Total risk-based capital ratio | 19.2163% | 1,945 |
| Memoranda: | ||
| Average total assets | $26,171,750 | 7,673 |
| Average earning assets | $24,352,750 | 7,633 |
| Average equity | $3,389,750 | 7,544 |
| Average total loans | $16,654,750 | 7,438 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6629% | 7,439 |
| Cost of funding earning assets | 1.7127% | 5,210 |
| Net interest margin | 2.9501% | 6,682 |
| Noninterest income to average assets | 0.3207% | 5,944 |
| Noninterest expense to average assets | 2.7486% | 5,185 |
| Loan and lease loss provision to assets | -0.2290% | 8,176 |
| Net operating income to assets | 0.3894% | 4,556 |
| Return on assets (ROA) | 0.3894% | 4,655 |
| Pretax return on assets | 0.5497% | 4,470 |
| Return on Equity (ROE) | 3.0180% | 4,893 |
| Retained earnings to average equity (ytd only) | 0.3551% | 5,080 |
| Net charge-offs to loans | -0.1229% | 7,980 |
| Credit loss provision to net charge-offs | 300.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5522% | 1,853 |
| Assets per employee ($millions) | 4.4977% | 2,777 |
| Cash dividends to net income (ytd only)* | 88.2353% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1982% | 1,247 |
| Loan loss allowance to noncurrent loans | 116.2500% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 1.1858% | 4,564 |
| Noncurrent loans to loans | 1.8909% | 3,680 |
| Net loans and leases to total assets | 61.3318% | 5,470 |
| Net loans and leases to deposits | 70.5378% | 5,926 |
| Net loans and leases to core deposits | 78.5152% | 6,512 |
| Total domestic deposits to total assets | 86.9488% | 2,279 |
| Equity capital to assets | 12.5250% | 1,912 |
| Core capital (leverage) ratio | 12.2929% | 1,701 |
| Tier 1 risk-based capital ratio | 18.3032% | 1,934 |
| Total risk-based capital ratio | 19.5613% | 1,881 |
| Memoranda: | ||
| Average total assets | $26,195,330 | 7,747 |
| Average earning assets | $24,405,670 | 7,706 |
| Average equity | $3,379,670 | 7,609 |
| Average total loans | $16,275,330 | 7,524 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7659% | 7,419 |
| Cost of funding earning assets | 1.7602% | 5,312 |
| Net interest margin | 3.0056% | 6,467 |
| Noninterest income to average assets | 0.3411% | 5,727 |
| Noninterest expense to average assets | 2.7287% | 4,882 |
| Loan and lease loss provision to assets | -0.4651% | 8,228 |
| Net operating income to assets | 0.5891% | 4,060 |
| Return on assets (ROA) | 0.5891% | 4,255 |
| Pretax return on assets | 0.8837% | 3,775 |
| Return on Equity (ROE) | 4.4977% | 4,710 |
| Retained earnings to average equity (ytd only) | -0.8285% | 5,842 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6995% | 1,994 |
| Assets per employee ($millions) | 4.4027% | 2,880 |
| Cash dividends to net income (ytd only)* | 118.4211% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4032% | 845 |
| Loan loss allowance to noncurrent loans | 112.4224% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 1.2190% | 4,243 |
| Noncurrent loans to loans | 2.1377% | 3,070 |
| Net loans and leases to total assets | 55.6519% | 6,292 |
| Net loans and leases to deposits | 64.2920% | 6,534 |
| Net loans and leases to core deposits | 72.1238% | 6,909 |
| Total domestic deposits to total assets | 86.5612% | 2,418 |
| Equity capital to assets | 12.7612% | 1,850 |
| Core capital (leverage) ratio | 12.7878% | 1,564 |
| Tier 1 risk-based capital ratio | 19.7464% | 1,665 |
| Total risk-based capital ratio | 21.0027% | 1,621 |
| Memoranda: | ||
| Average total assets | $25,800,000 | 7,807 |
| Average earning assets | $24,088,000 | 7,764 |
| Average equity | $3,379,500 | 7,662 |
| Average total loans | $15,951,500 | 7,578 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4622% | 3,150 |
| Cost of funding earning assets | 2.3530% | 4,917 |
| Net interest margin | 4.1092% | 2,672 |
| Noninterest income to average assets | 0.3569% | 5,870 |
| Noninterest expense to average assets | 2.8590% | 4,569 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8393% | 3,272 |
| Return on assets (ROA) | 0.8393% | 3,108 |
| Pretax return on assets | 1.3060% | 2,289 |
| Return on Equity (ROE) | 6.4852% | 3,757 |
| Retained earnings to average equity (ytd only) | 4.3639% | 2,404 |
| Net charge-offs to loans | -0.4823% | 8,215 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6441% | 4,604 |
| Assets per employee ($millions) | 3.5977% | 4,420 |
| Cash dividends to net income (ytd only)* | 32.7103% | 4,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3278% | 821 |
| Loan loss allowance to noncurrent loans | 119.5122% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 1.3024% | 3,618 |
| Noncurrent loans to loans | 1.9477% | 2,834 |
| Net loans and leases to total assets | 65.3113% | 4,988 |
| Net loans and leases to deposits | 76.1834% | 5,569 |
| Net loans and leases to core deposits | 86.8427% | 6,069 |
| Total domestic deposits to total assets | 85.7290% | 2,523 |
| Equity capital to assets | 13.4530% | 1,611 |
| Core capital (leverage) ratio | 12.9228% | 1,568 |
| Tier 1 risk-based capital ratio | 18.3785% | 1,943 |
| Total risk-based capital ratio | 19.6389% | 1,888 |
| Memoranda: | ||
| Average total assets | $25,498,600 | 7,825 |
| Average earning assets | $23,629,800 | 7,796 |
| Average equity | $3,299,800 | 7,746 |
| Average total loans | $15,551,400 | 7,616 |