Home > Nebraska State Bank > Performance and Condition Ratios
Nebraska 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 | 7.0507% | 211 |
| Cost of funding earning assets | 1.4000% | 2,232 |
| Net interest margin | 5.6507% | 157 |
| Noninterest income to average assets | 1.6200% | 355 |
| Noninterest expense to average assets | 2.1976% | 3,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 4.5766% | 84 |
| Return on assets (ROA) | 4.5766% | 86 |
| Pretax return on assets | 4.6122% | 94 |
| Return on Equity (ROE) | 27.1800% | 242 |
| Retained earnings to average equity (ytd only) | 2.7893% | 3,346 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 32.2713% | 4,482 |
| Assets per employee ($millions) | 7.2772% | 1,876 |
| Cash dividends to net income (ytd only)* | 89.7392% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8086% | 3,947 |
| Loan loss allowance to noncurrent loans | 95.3333% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6871% | 759 |
| Noncurrent loans to loans | 0.8482% | 903 |
| Net loans and leases to total assets | 80.3500% | 602 |
| Net loans and leases to deposits | 98.3627% | 628 |
| Net loans and leases to core deposits | 116.9853% | 717 |
| Total domestic deposits to total assets | 81.6900% | 3,183 |
| Equity capital to assets | 17.3967% | 371 |
| Core capital (leverage) ratio | 17.4918% | 370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $64,524,400 | 4,170 |
| Average earning assets | $59,285,200 | 4,148 |
| Average equity | $10,862,800 | 3,634 |
| Average total loans | $51,866,800 | 3,817 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0538% | 189 |
| Cost of funding earning assets | 1.2774% | 2,205 |
| Net interest margin | 5.7764% | 127 |
| Noninterest income to average assets | 1.6400% | 356 |
| Noninterest expense to average assets | 2.1550% | 3,201 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 4.7249% | 88 |
| Return on assets (ROA) | 4.7249% | 88 |
| Pretax return on assets | 4.7685% | 100 |
| Return on Equity (ROE) | 28.3100% | 259 |
| Retained earnings to average equity (ytd only) | 3.4544% | 3,397 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 31.1264% | 4,507 |
| Assets per employee ($millions) | 7.0812% | 1,895 |
| Cash dividends to net income (ytd only)* | 87.7963% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8039% | 3,972 |
| Loan loss allowance to noncurrent loans | 160.6742% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 1,388 |
| Noncurrent loans to loans | 0.5003% | 1,564 |
| Net loans and leases to total assets | 83.0600% | 360 |
| Net loans and leases to deposits | 102.4502% | 414 |
| Net loans and leases to core deposits | 122.6341% | 492 |
| Total domestic deposits to total assets | 81.0700% | 3,370 |
| Equity capital to assets | 17.8390% | 353 |
| Core capital (leverage) ratio | 18.3807% | 330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $64,281,750 | 4,187 |
| Average earning assets | $58,766,000 | 4,172 |
| Average equity | $10,730,000 | 3,649 |
| Average total loans | $51,569,500 | 3,834 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8347% | 196 |
| Cost of funding earning assets | 1.1317% | 2,190 |
| Net interest margin | 5.7030% | 136 |
| Noninterest income to average assets | 1.6400% | 297 |
| Noninterest expense to average assets | 2.0786% | 3,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 4.7064% | 79 |
| Return on assets (ROA) | 4.7064% | 81 |
| Pretax return on assets | 4.7498% | 93 |
| Return on Equity (ROE) | 28.8500% | 242 |
| Retained earnings to average equity (ytd only) | -9.1851% | 4,498 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 30.4407% | 4,542 |
| Assets per employee ($millions) | 7.0230% | 1,909 |
| Cash dividends to net income (ytd only)* | 131.8392% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8515% | 3,899 |
| Loan loss allowance to noncurrent loans | 159.7070% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 1,235 |
| Noncurrent loans to loans | 0.5332% | 1,393 |
| Net loans and leases to total assets | 80.3200% | 603 |
| Net loans and leases to deposits | 97.6682% | 632 |
| Net loans and leases to core deposits | 114.1117% | 682 |
| Total domestic deposits to total assets | 82.2300% | 3,184 |
| Equity capital to assets | 16.7830% | 396 |
| Core capital (leverage) ratio | 16.8769% | 403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $64,465,333 | 4,199 |
| Average earning assets | $58,671,333 | 4,191 |
| Average equity | $10,517,000 | 3,677 |
| Average total loans | $50,971,333 | 3,848 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5771% | 162 |
| Cost of funding earning assets | 0.9612% | 2,179 |
| Net interest margin | 5.6159% | 131 |
| Noninterest income to average assets | 1.6900% | 290 |
| Noninterest expense to average assets | 2.0094% | 3,612 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 4.6641% | 81 |
| Return on assets (ROA) | 4.6641% | 81 |
| Pretax return on assets | 4.7071% | 96 |
| Return on Equity (ROE) | 29.0000% | 257 |
| Retained earnings to average equity (ytd only) | -47.4094% | 4,663 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 29.9177% | 4,606 |
| Assets per employee ($millions) | 7.9189% | 1,390 |
| Cash dividends to net income (ytd only)* | 263.5046% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 3,974 |
| Loan loss allowance to noncurrent loans | 156.8345% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.4388% | 1,171 |
| Noncurrent loans to loans | 0.5443% | 1,358 |
| Net loans and leases to total assets | 79.9400% | 549 |
| Net loans and leases to deposits | 95.6428% | 671 |
| Net loans and leases to core deposits | 108.9571% | 738 |
| Total domestic deposits to total assets | 83.5800% | 3,179 |
| Equity capital to assets | 15.5467% | 435 |
| Core capital (leverage) ratio | 15.4679% | 515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $65,093,000 | 4,253 |
| Average earning assets | $58,263,000 | 4,258 |
| Average equity | $10,470,500 | 3,724 |
| Average total loans | $50,855,500 | 3,896 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9823% | 311 |
| Cost of funding earning assets | 0.4313% | 1,851 |
| Net interest margin | 4.5510% | 268 |
| Noninterest income to average assets | 1.5500% | 334 |
| Noninterest expense to average assets | 2.0024% | 3,572 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 3.7762% | 82 |
| Return on assets (ROA) | 3.7762% | 79 |
| Pretax return on assets | 3.8158% | 96 |
| Return on Equity (ROE) | 25.4400% | 197 |
| Retained earnings to average equity (ytd only) | 5.6874% | 2,756 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 34.4167% | 4,617 |
| Assets per employee ($millions) | 8.3544% | 1,164 |
| Cash dividends to net income (ytd only)* | 77.6398% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 3,890 |
| Loan loss allowance to noncurrent loans | 153.5211% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 1,210 |
| Noncurrent loans to loans | 0.5609% | 1,324 |
| Net loans and leases to total assets | 75.1100% | 1,119 |
| Net loans and leases to deposits | 90.8974% | 991 |
| Net loans and leases to core deposits | 102.4114% | 881 |
| Total domestic deposits to total assets | 82.6300% | 3,506 |
| Equity capital to assets | 16.5961% | 354 |
| Core capital (leverage) ratio | 16.4039% | 419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $68,217,200 | 4,245 |
| Average earning assets | $63,986,400 | 4,219 |
| Average equity | $10,127,600 | 3,856 |
| Average total loans | $52,896,200 | 3,849 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6060% | 417 |
| Cost of funding earning assets | 0.3365% | 1,808 |
| Net interest margin | 4.2695% | 356 |
| Noninterest income to average assets | 1.5400% | 350 |
| Noninterest expense to average assets | 2.0205% | 3,429 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 3.5276% | 92 |
| Return on assets (ROA) | 3.5276% | 87 |
| Pretax return on assets | 3.5684% | 104 |
| Return on Equity (ROE) | 24.4600% | 205 |
| Retained earnings to average equity (ytd only) | -2.5084% | 4,517 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 36.1517% | 4,645 |
| Assets per employee ($millions) | 8.3975% | 1,118 |
| Cash dividends to net income (ytd only)* | 110.2536% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8299% | 4,021 |
| Loan loss allowance to noncurrent loans | 150.8651% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.4302% | 1,263 |
| Noncurrent loans to loans | 0.5501% | 1,444 |
| Net loans and leases to total assets | 77.5500% | 748 |
| Net loans and leases to deposits | 92.6106% | 728 |
| Net loans and leases to core deposits | 106.8018% | 566 |
| Total domestic deposits to total assets | 83.7400% | 3,553 |
| Equity capital to assets | 15.3766% | 421 |
| Core capital (leverage) ratio | 15.1344% | 534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $68,562,750 | 4,275 |
| Average earning assets | $64,985,750 | 4,237 |
| Average equity | $9,886,500 | 3,932 |
| Average total loans | $53,461,500 | 3,861 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 548 |
| Cost of funding earning assets | 0.2927% | 1,784 |
| Net interest margin | 3.9729% | 523 |
| Noninterest income to average assets | 1.5328% | 327 |
| Noninterest expense to average assets | 1.9906% | 3,452 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 3.2771% | 60 |
| Return on assets (ROA) | 3.2771% | 58 |
| Pretax return on assets | 3.3177% | 76 |
| Return on Equity (ROE) | 23.2270% | 158 |
| Retained earnings to average equity (ytd only) | -17.8464% | 4,718 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5000% | 4,661 |
| Assets per employee ($millions) | 8.5360% | 1,052 |
| Cash dividends to net income (ytd only)* | 176.8347% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8723% | 4,021 |
| Loan loss allowance to noncurrent loans | 147.7966% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 1,314 |
| Noncurrent loans to loans | 0.5902% | 1,434 |
| Net loans and leases to total assets | 72.5515% | 1,050 |
| Net loans and leases to deposits | 85.2737% | 1,028 |
| Net loans and leases to core deposits | 100.6542% | 646 |
| Total domestic deposits to total assets | 85.0808% | 3,468 |
| Equity capital to assets | 14.1284% | 494 |
| Core capital (leverage) ratio | 13.7550% | 674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,023,667 | 4,316 |
| Average earning assets | $65,593,667 | 4,288 |
| Average equity | $9,738,667 | 4,025 |
| Average total loans | $53,770,333 | 3,897 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1176% | 617 |
| Cost of funding earning assets | 0.2600% | 2,044 |
| Net interest margin | 3.8576% | 555 |
| Noninterest income to average assets | 1.4930% | 360 |
| Noninterest expense to average assets | 2.0521% | 3,292 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 3.0782% | 73 |
| Return on assets (ROA) | 3.0782% | 72 |
| Pretax return on assets | 3.1185% | 92 |
| Return on Equity (ROE) | 21.8316% | 160 |
| Retained earnings to average equity (ytd only) | -59.9346% | 4,784 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6878% | 4,652 |
| Assets per employee ($millions) | 7.8333% | 1,474 |
| Cash dividends to net income (ytd only)* | 374.5318% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7917% | 4,257 |
| Loan loss allowance to noncurrent loans | 145.3333% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 1,429 |
| Noncurrent loans to loans | 0.5447% | 1,678 |
| Net loans and leases to total assets | 77.4993% | 415 |
| Net loans and leases to deposits | 89.6585% | 529 |
| Net loans and leases to core deposits | 104.9440% | 372 |
| Total domestic deposits to total assets | 86.4383% | 3,125 |
| Equity capital to assets | 12.8397% | 727 |
| Core capital (leverage) ratio | 12.6878% | 846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,391,500 | 4,335 |
| Average earning assets | $66,155,000 | 4,306 |
| Average equity | $9,784,000 | 4,081 |
| Average total loans | $55,665,500 | 3,873 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5256% | 580 |
| Cost of funding earning assets | 0.3140% | 2,262 |
| Net interest margin | 4.2116% | 476 |
| Noninterest income to average assets | 2.0989% | 292 |
| Noninterest expense to average assets | 2.3255% | 2,725 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 3.7187% | 67 |
| Return on assets (ROA) | 3.7187% | 71 |
| Pretax return on assets | 3.7570% | 90 |
| Return on Equity (ROE) | 25.0852% | 123 |
| Retained earnings to average equity (ytd only) | 9.5941% | 1,020 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2331% | 4,718 |
| Assets per employee ($millions) | 7.5870% | 1,559 |
| Cash dividends to net income (ytd only)* | 61.7538% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7750% | 4,305 |
| Loan loss allowance to noncurrent loans | 142.4837% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 1,475 |
| Noncurrent loans to loans | 0.5439% | 1,764 |
| Net loans and leases to total assets | 81.7509% | 195 |
| Net loans and leases to deposits | 97.3662% | 267 |
| Net loans and leases to core deposits | 114.0202% | 228 |
| Total domestic deposits to total assets | 83.9623% | 3,573 |
| Equity capital to assets | 15.4006% | 446 |
| Core capital (leverage) ratio | 15.8600% | 376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,318,400 | 4,389 |
| Average earning assets | $61,782,000 | 4,367 |
| Average equity | $9,683,000 | 4,169 |
| Average total loans | $55,021,000 | 3,915 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5192% | 651 |
| Cost of funding earning assets | 0.3147% | 2,458 |
| Net interest margin | 4.2045% | 541 |
| Noninterest income to average assets | 2.3372% | 266 |
| Noninterest expense to average assets | 2.3393% | 2,635 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 3.9352% | 69 |
| Return on assets (ROA) | 3.9352% | 70 |
| Pretax return on assets | 3.9703% | 90 |
| Return on Equity (ROE) | 26.8215% | 132 |
| Retained earnings to average equity (ytd only) | 5.7133% | 2,948 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0746% | 4,795 |
| Assets per employee ($millions) | 6.7681% | 2,039 |
| Cash dividends to net income (ytd only)* | 78.6988% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7339% | 4,442 |
| Loan loss allowance to noncurrent loans | 139.7436% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.4610% | 1,652 |
| Noncurrent loans to loans | 0.5252% | 1,992 |
| Net loans and leases to total assets | 87.1308% | 49 |
| Net loans and leases to deposits | 103.1683% | 167 |
| Net loans and leases to core deposits | 120.8744% | 178 |
| Total domestic deposits to total assets | 84.4550% | 3,320 |
| Equity capital to assets | 14.7663% | 580 |
| Core capital (leverage) ratio | 14.9033% | 505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,577,250 | 4,458 |
| Average earning assets | $61,012,000 | 4,434 |
| Average equity | $9,474,750 | 4,255 |
| Average total loans | $54,711,750 | 3,970 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4055% | 844 |
| Cost of funding earning assets | 0.3194% | 2,591 |
| Net interest margin | 4.0860% | 711 |
| Noninterest income to average assets | 2.7950% | 210 |
| Noninterest expense to average assets | 2.3071% | 2,752 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 4.3184% | 63 |
| Return on assets (ROA) | 4.3184% | 63 |
| Pretax return on assets | 4.3530% | 77 |
| Return on Equity (ROE) | 29.5001% | 102 |
| Retained earnings to average equity (ytd only) | -2.7522% | 4,707 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6408% | 4,863 |
| Assets per employee ($millions) | 7.2841% | 1,607 |
| Cash dividends to net income (ytd only)* | 109.3294% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7547% | 4,445 |
| Loan loss allowance to noncurrent loans | 137.5394% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.4835% | 1,735 |
| Noncurrent loans to loans | 0.5487% | 2,028 |
| Net loans and leases to total assets | 87.4537% | 50 |
| Net loans and leases to deposits | 103.0780% | 198 |
| Net loans and leases to core deposits | 120.5365% | 212 |
| Total domestic deposits to total assets | 84.8422% | 3,165 |
| Equity capital to assets | 14.4287% | 633 |
| Core capital (leverage) ratio | 14.4251% | 557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,542,667 | 4,494 |
| Average earning assets | $60,107,333 | 4,471 |
| Average equity | $9,301,667 | 4,289 |
| Average total loans | $53,146,667 | 4,019 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4150% | 896 |
| Cost of funding earning assets | 0.3318% | 2,693 |
| Net interest margin | 4.0832% | 739 |
| Noninterest income to average assets | 3.3901% | 174 |
| Noninterest expense to average assets | 2.2899% | 2,823 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 4.9188% | 59 |
| Return on assets (ROA) | 4.9188% | 60 |
| Pretax return on assets | 4.9572% | 77 |
| Return on Equity (ROE) | 33.3514% | 97 |
| Retained earnings to average equity (ytd only) | -31.7034% | 4,953 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.5975% | 4,897 |
| Assets per employee ($millions) | 7.1131% | 1,720 |
| Cash dividends to net income (ytd only)* | 195.0585% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8361% | 4,332 |
| Loan loss allowance to noncurrent loans | 134.9845% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.5045% | 1,877 |
| Noncurrent loans to loans | 0.6194% | 2,016 |
| Net loans and leases to total assets | 80.7773% | 296 |
| Net loans and leases to deposits | 94.4857% | 470 |
| Net loans and leases to core deposits | 110.0817% | 404 |
| Total domestic deposits to total assets | 85.4916% | 2,929 |
| Equity capital to assets | 13.8352% | 706 |
| Core capital (leverage) ratio | 13.9623% | 658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,535,500 | 4,524 |
| Average earning assets | $59,071,000 | 4,500 |
| Average equity | $9,223,000 | 4,307 |
| Average total loans | $50,836,000 | 4,078 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8785% | 624 |
| Cost of funding earning assets | 0.6402% | 2,055 |
| Net interest margin | 4.2383% | 578 |
| Noninterest income to average assets | 2.1245% | 309 |
| Noninterest expense to average assets | 2.7825% | 1,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 3.2702% | 79 |
| Return on assets (ROA) | 3.2702% | 82 |
| Pretax return on assets | 3.3060% | 101 |
| Return on Equity (ROE) | 20.1462% | 227 |
| Retained earnings to average equity (ytd only) | 3.5786% | 3,049 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7008% | 4,729 |
| Assets per employee ($millions) | 6.7837% | 1,722 |
| Cash dividends to net income (ytd only)* | 82.2368% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8804% | 4,246 |
| Loan loss allowance to noncurrent loans | 101.1601% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.7059% | 1,475 |
| Noncurrent loans to loans | 0.8703% | 1,625 |
| Net loans and leases to total assets | 80.4023% | 397 |
| Net loans and leases to deposits | 96.7289% | 515 |
| Net loans and leases to core deposits | 114.3896% | 398 |
| Total domestic deposits to total assets | 83.1212% | 3,376 |
| Equity capital to assets | 15.7060% | 463 |
| Core capital (leverage) ratio | 15.7882% | 412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,777,000 | 4,575 |
| Average earning assets | $52,167,400 | 4,554 |
| Average equity | $9,053,800 | 4,311 |
| Average total loans | $45,816,800 | 4,189 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9657% | 639 |
| Cost of funding earning assets | 0.6735% | 2,180 |
| Net interest margin | 4.2923% | 590 |
| Noninterest income to average assets | 2.2671% | 280 |
| Noninterest expense to average assets | 2.4581% | 2,965 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 3.7826% | 58 |
| Return on assets (ROA) | 3.7826% | 59 |
| Pretax return on assets | 3.8194% | 75 |
| Return on Equity (ROE) | 23.0936% | 152 |
| Retained earnings to average equity (ytd only) | 0.6726% | 4,343 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1576% | 4,911 |
| Assets per employee ($millions) | 6.2842% | 2,013 |
| Cash dividends to net income (ytd only)* | 97.0874% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9044% | 4,057 |
| Loan loss allowance to noncurrent loans | 100.2299% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.7691% | 1,506 |
| Noncurrent loans to loans | 0.9024% | 1,659 |
| Net loans and leases to total assets | 84.4637% | 242 |
| Net loans and leases to deposits | 102.8616% | 423 |
| Net loans and leases to core deposits | 116.8652% | 481 |
| Total domestic deposits to total assets | 82.1139% | 3,392 |
| Equity capital to assets | 16.4610% | 417 |
| Core capital (leverage) ratio | 16.0706% | 413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,458,000 | 4,616 |
| Average earning assets | $50,880,750 | 4,590 |
| Average equity | $8,920,000 | 4,339 |
| Average total loans | $44,890,000 | 4,226 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0077% | 814 |
| Cost of funding earning assets | 0.7295% | 2,239 |
| Net interest margin | 4.2782% | 791 |
| Noninterest income to average assets | 2.4554% | 229 |
| Noninterest expense to average assets | 2.4517% | 3,099 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 3.9808% | 47 |
| Return on assets (ROA) | 3.9808% | 48 |
| Pretax return on assets | 4.0180% | 62 |
| Return on Equity (ROE) | 24.3458% | 123 |
| Retained earnings to average equity (ytd only) | -9.7838% | 4,914 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8953% | 4,953 |
| Assets per employee ($millions) | 6.6400% | 1,683 |
| Cash dividends to net income (ytd only)* | 140.1869% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 4,068 |
| Loan loss allowance to noncurrent loans | 131.3253% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.5556% | 2,144 |
| Noncurrent loans to loans | 0.6725% | 2,183 |
| Net loans and leases to total assets | 81.8859% | 425 |
| Net loans and leases to deposits | 97.5520% | 688 |
| Net loans and leases to core deposits | 108.5466% | 789 |
| Total domestic deposits to total assets | 83.9408% | 2,763 |
| Equity capital to assets | 14.7841% | 671 |
| Core capital (leverage) ratio | 14.9134% | 592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5364% | 972 |
| Memoranda: | ||
| Average total assets | $53,758,000 | 4,640 |
| Average earning assets | $50,442,333 | 4,611 |
| Average equity | $8,790,000 | 4,363 |
| Average total loans | $43,784,333 | 4,272 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5972% | 301 |
| Cost of funding earning assets | 0.8696% | 2,014 |
| Net interest margin | 4.7277% | 311 |
| Noninterest income to average assets | 2.0805% | 253 |
| Noninterest expense to average assets | 2.4824% | 3,328 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 3.9719% | 40 |
| Return on assets (ROA) | 3.9719% | 41 |
| Pretax return on assets | 4.0113% | 48 |
| Return on Equity (ROE) | 22.9940% | 97 |
| Retained earnings to average equity (ytd only) | -45.4405% | 5,081 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2282% | 5,007 |
| Assets per employee ($millions) | 5.7563% | 1,888 |
| Cash dividends to net income (ytd only)* | 297.6190% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 3,556 |
| 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 | 80.9736% | 567 |
| Net loans and leases to deposits | 97.9660% | 718 |
| Net loans and leases to core deposits | 111.1494% | 796 |
| Total domestic deposits to total assets | 82.6549% | 3,221 |
| Equity capital to assets | 15.9631% | 589 |
| Core capital (leverage) ratio | 16.5093% | 459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,757,000 | 4,700 |
| Average earning assets | $47,380,500 | 4,685 |
| Average equity | $8,767,500 | 4,389 |
| Average total loans | $40,991,000 | 4,351 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9250% | 252 |
| Cost of funding earning assets | 0.8871% | 2,246 |
| Net interest margin | 5.0378% | 247 |
| Noninterest income to average assets | 2.0503% | 247 |
| Noninterest expense to average assets | 2.6171% | 3,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 4.0350% | 52 |
| Return on assets (ROA) | 4.0350% | 55 |
| Pretax return on assets | 4.0748% | 62 |
| Return on Equity (ROE) | 23.7989% | 103 |
| Retained earnings to average equity (ytd only) | 6.2048% | 1,765 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1085% | 5,081 |
| Assets per employee ($millions) | 5.5230% | 2,041 |
| Cash dividends to net income (ytd only)* | 73.9280% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 2,950 |
| 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 | 78.7817% | 965 |
| Net loans and leases to deposits | 99.2548% | 652 |
| Net loans and leases to core deposits | 111.7357% | 765 |
| Total domestic deposits to total assets | 79.3731% | 4,106 |
| Equity capital to assets | 18.6392% | 324 |
| Core capital (leverage) ratio | 18.2224% | 325 |
| Tier 1 risk-based capital ratio | 21.3671% | 1,107 |
| Total risk-based capital ratio | 22.3726% | 1,119 |
| Memoranda: | ||
| Average total assets | $50,284,800 | 4,738 |
| Average earning assets | $46,329,400 | 4,743 |
| Average equity | $8,525,600 | 4,443 |
| Average total loans | $39,850,000 | 4,404 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8565% | 319 |
| Cost of funding earning assets | 0.8625% | 2,397 |
| Net interest margin | 4.9940% | 294 |
| Noninterest income to average assets | 2.0199% | 262 |
| Noninterest expense to average assets | 2.7179% | 2,816 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 3.8548% | 52 |
| Return on assets (ROA) | 3.8548% | 55 |
| Pretax return on assets | 3.8945% | 68 |
| Return on Equity (ROE) | 23.3067% | 129 |
| Retained earnings to average equity (ytd only) | -0.6714% | 4,828 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1036% | 5,100 |
| Assets per employee ($millions) | 5.5851% | 1,949 |
| Cash dividends to net income (ytd only)* | 102.8807% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 2,950 |
| Loan loss allowance to noncurrent loans | 1,245.7143% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 4,366 |
| Noncurrent loans to loans | 0.0895% | 4,248 |
| Net loans and leases to total assets | 76.9069% | 1,337 |
| Net loans and leases to deposits | 95.4283% | 1,082 |
| Net loans and leases to core deposits | 107.0681% | 1,107 |
| Total domestic deposits to total assets | 80.5913% | 3,847 |
| Equity capital to assets | 17.2980% | 461 |
| Core capital (leverage) ratio | 17.5731% | 385 |
| Tier 1 risk-based capital ratio | 20.2742% | 1,325 |
| Total risk-based capital ratio | 21.2908% | 1,324 |
| Memoranda: | ||
| Average total assets | $50,429,250 | 4,805 |
| Average earning assets | $46,374,750 | 4,809 |
| Average equity | $8,340,750 | 4,517 |
| Average total loans | $39,913,500 | 4,463 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7743% | 353 |
| Cost of funding earning assets | 0.7886% | 2,698 |
| Net interest margin | 4.9857% | 297 |
| Noninterest income to average assets | 2.0006% | 267 |
| Noninterest expense to average assets | 2.6226% | 3,139 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 3.9221% | 53 |
| Return on assets (ROA) | 3.9221% | 57 |
| Pretax return on assets | 3.9617% | 66 |
| Return on Equity (ROE) | 24.0798% | 115 |
| Retained earnings to average equity (ytd only) | -12.4047% | 5,198 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8315% | 5,166 |
| Assets per employee ($millions) | 5.0094% | 2,465 |
| Cash dividends to net income (ytd only)* | 151.5152% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 3,419 |
| Loan loss allowance to noncurrent loans | 2,422.2222% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 4,587 |
| Noncurrent loans to loans | 0.0427% | 4,493 |
| Net loans and leases to total assets | 83.2475% | 439 |
| Net loans and leases to deposits | 102.0832% | 534 |
| Net loans and leases to core deposits | 109.9128% | 981 |
| Total domestic deposits to total assets | 81.5487% | 3,650 |
| Equity capital to assets | 16.4211% | 546 |
| Core capital (leverage) ratio | 16.7570% | 458 |
| Tier 1 risk-based capital ratio | 18.9064% | 1,574 |
| Total risk-based capital ratio | 19.9085% | 1,591 |
| Memoranda: | ||
| Average total assets | $50,483,670 | 4,840 |
| Average earning assets | $46,412,330 | 4,846 |
| Average equity | $8,222,670 | 4,551 |
| Average total loans | $40,186,670 | 4,492 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6131% | 420 |
| Cost of funding earning assets | 0.7081% | 3,013 |
| Net interest margin | 4.9050% | 333 |
| Noninterest income to average assets | 1.9732% | 252 |
| Noninterest expense to average assets | 2.7152% | 2,858 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 3.7018% | 61 |
| Return on assets (ROA) | 3.7018% | 64 |
| Pretax return on assets | 3.7412% | 78 |
| Return on Equity (ROE) | 22.8196% | 148 |
| Retained earnings to average equity (ytd only) | -50.1642% | 5,331 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0538% | 5,161 |
| Assets per employee ($millions) | 4.9234% | 2,617 |
| Cash dividends to net income (ytd only)* | 319.8294% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 3,027 |
| 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 | 78.3402% | 1,098 |
| Net loans and leases to deposits | 95.6716% | 1,002 |
| Net loans and leases to core deposits | 100.4218% | 1,583 |
| Total domestic deposits to total assets | 81.8845% | 3,752 |
| Equity capital to assets | 15.6498% | 627 |
| Core capital (leverage) ratio | 15.4999% | 595 |
| Tier 1 risk-based capital ratio | 19.4232% | 1,457 |
| Total risk-based capital ratio | 20.5223% | 1,459 |
| Memoranda: | ||
| Average total assets | $50,678,500 | 4,888 |
| Average earning assets | $46,320,500 | 4,897 |
| Average equity | $8,221,000 | 4,589 |
| Average total loans | $39,211,000 | 4,563 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4234% | 465 |
| Cost of funding earning assets | 0.6677% | 2,284 |
| Net interest margin | 4.7558% | 436 |
| Noninterest income to average assets | 2.3812% | 210 |
| Noninterest expense to average assets | 2.5017% | 3,609 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 4.1420% | 46 |
| Return on assets (ROA) | 4.1420% | 45 |
| Pretax return on assets | 4.1842% | 54 |
| Return on Equity (ROE) | 26.0053% | 74 |
| Retained earnings to average equity (ytd only) | 7.0969% | 1,632 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4174% | 5,311 |
| Assets per employee ($millions) | 5.2123% | 2,250 |
| Cash dividends to net income (ytd only)* | 72.7096% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 3,060 |
| 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 | 74.7846% | 1,800 |
| Net loans and leases to deposits | 92.4727% | 1,482 |
| Net loans and leases to core deposits | 97.6331% | 1,894 |
| Total domestic deposits to total assets | 80.8722% | 3,922 |
| Equity capital to assets | 16.7623% | 434 |
| Core capital (leverage) ratio | 17.2467% | 388 |
| Tier 1 risk-based capital ratio | 21.4116% | 1,112 |
| Total risk-based capital ratio | 22.4801% | 1,114 |
| Memoranda: | ||
| Average total assets | $49,806,400 | 4,936 |
| Average earning assets | $45,082,200 | 4,954 |
| Average equity | $7,933,000 | 4,619 |
| Average total loans | $37,855,600 | 4,613 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3973% | 445 |
| Cost of funding earning assets | 0.6399% | 2,210 |
| Net interest margin | 4.7574% | 410 |
| Noninterest income to average assets | 2.0774% | 259 |
| Noninterest expense to average assets | 2.6624% | 3,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 3.6835% | 55 |
| Return on assets (ROA) | 3.6835% | 56 |
| Pretax return on assets | 3.7241% | 64 |
| Return on Equity (ROE) | 23.4518% | 116 |
| Retained earnings to average equity (ytd only) | -2.4141% | 5,222 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6879% | 5,284 |
| Assets per employee ($millions) | 5.0089% | 2,457 |
| Cash dividends to net income (ytd only)* | 110.2940% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 2,823 |
| 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 | 73.9084% | 1,998 |
| Net loans and leases to deposits | 90.9024% | 1,771 |
| Net loans and leases to core deposits | 96.1533% | 2,103 |
| Total domestic deposits to total assets | 81.3053% | 3,787 |
| Equity capital to assets | 16.0375% | 534 |
| Core capital (leverage) ratio | 16.2621% | 484 |
| Tier 1 risk-based capital ratio | 20.4163% | 1,265 |
| Total risk-based capital ratio | 21.5244% | 1,263 |
| Memoranda: | ||
| Average total assets | $49,227,250 | 5,006 |
| Average earning assets | $44,588,750 | 5,020 |
| Average equity | $7,732,000 | 4,691 |
| Average total loans | $37,465,500 | 4,671 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3449% | 435 |
| Cost of funding earning assets | 0.5949% | 2,259 |
| Net interest margin | 4.7500% | 393 |
| Noninterest income to average assets | 2.1251% | 256 |
| Noninterest expense to average assets | 2.5664% | 3,427 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 3.8251% | 49 |
| Return on assets (ROA) | 3.8251% | 49 |
| Pretax return on assets | 3.8660% | 61 |
| Return on Equity (ROE) | 24.5294% | 99 |
| Retained earnings to average equity (ytd only) | -14.7805% | 5,472 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8983% | 5,402 |
| Assets per employee ($millions) | 4.8557% | 2,608 |
| Cash dividends to net income (ytd only)* | 160.2564% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 3,045 |
| Loan loss allowance to noncurrent loans | 1,362.5000% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 4,686 |
| Noncurrent loans to loans | 0.0836% | 4,535 |
| Net loans and leases to total assets | 77.9640% | 1,320 |
| Net loans and leases to deposits | 95.4539% | 1,203 |
| Net loans and leases to core deposits | 104.3496% | 1,369 |
| Total domestic deposits to total assets | 81.6772% | 3,821 |
| Equity capital to assets | 15.6744% | 556 |
| Core capital (leverage) ratio | 15.6287% | 550 |
| Tier 1 risk-based capital ratio | 18.9051% | 1,571 |
| Total risk-based capital ratio | 19.9881% | 1,575 |
| Memoranda: | ||
| Average total assets | $48,940,000 | 5,069 |
| Average earning assets | $44,379,000 | 5,083 |
| Average equity | $7,631,670 | 4,759 |
| Average total loans | $37,468,670 | 4,719 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0131% | 682 |
| Cost of funding earning assets | 0.6087% | 1,998 |
| Net interest margin | 4.4044% | 764 |
| Noninterest income to average assets | 2.1656% | 248 |
| Noninterest expense to average assets | 2.5808% | 3,389 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 3.5497% | 60 |
| Return on assets (ROA) | 3.5497% | 60 |
| Pretax return on assets | 3.5904% | 70 |
| Return on Equity (ROE) | 22.8213% | 134 |
| Retained earnings to average equity (ytd only) | -55.6922% | 5,591 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8206% | 5,405 |
| Assets per employee ($millions) | 4.3075% | 3,473 |
| Cash dividends to net income (ytd only)* | 344.0367% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 2,841 |
| 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 | 76.1661% | 1,510 |
| Net loans and leases to deposits | 92.4364% | 1,400 |
| Net loans and leases to core deposits | 101.1832% | 1,597 |
| Total domestic deposits to total assets | 82.3984% | 3,838 |
| Equity capital to assets | 15.0057% | 673 |
| Core capital (leverage) ratio | 14.1828% | 837 |
| Tier 1 risk-based capital ratio | 18.6340% | 1,656 |
| Total risk-based capital ratio | 19.7767% | 1,647 |
| Memoranda: | ||
| Average total assets | $49,131,500 | 5,123 |
| Average earning assets | $44,683,000 | 5,138 |
| Average equity | $7,642,000 | 4,805 |
| Average total loans | $37,056,500 | 4,780 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3878% | 316 |
| Cost of funding earning assets | 0.4532% | 2,747 |
| Net interest margin | 4.9346% | 264 |
| Noninterest income to average assets | 2.2243% | 254 |
| Noninterest expense to average assets | 2.8436% | 2,634 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 3.7875% | 49 |
| Return on assets (ROA) | 3.7875% | 49 |
| Pretax return on assets | 3.8253% | 66 |
| Return on Equity (ROE) | 25.4496% | 61 |
| Retained earnings to average equity (ytd only) | 9.3931% | 446 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6396% | 5,484 |
| Assets per employee ($millions) | 4.2401% | 3,593 |
| Cash dividends to net income (ytd only)* | 63.0915% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 3,007 |
| 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 | 73.0174% | 2,092 |
| Net loans and leases to deposits | 90.2273% | 1,752 |
| Net loans and leases to core deposits | 104.7568% | 1,359 |
| Total domestic deposits to total assets | 80.9261% | 4,136 |
| Equity capital to assets | 16.0649% | 507 |
| Core capital (leverage) ratio | 16.1096% | 463 |
| Tier 1 risk-based capital ratio | 20.6539% | 1,204 |
| Total risk-based capital ratio | 21.7556% | 1,197 |
| Memoranda: | ||
| Average total assets | $50,217,800 | 5,154 |
| Average earning assets | $45,231,600 | 5,165 |
| Average equity | $7,473,600 | 4,867 |
| Average total loans | $38,973,800 | 4,760 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4893% | 256 |
| Cost of funding earning assets | 0.4387% | 2,821 |
| Net interest margin | 5.0507% | 206 |
| Noninterest income to average assets | 2.2136% | 268 |
| Noninterest expense to average assets | 3.0235% | 2,049 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 3.6894% | 56 |
| Return on assets (ROA) | 3.6894% | 56 |
| Pretax return on assets | 3.7294% | 76 |
| Return on Equity (ROE) | 25.3014% | 75 |
| Retained earnings to average equity (ytd only) | 3.3796% | 3,915 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7732% | 5,458 |
| Assets per employee ($millions) | 4.1540% | 3,734 |
| Cash dividends to net income (ytd only)* | 86.6426% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 3,448 |
| Loan loss allowance to noncurrent loans | 681.2500% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 4,597 |
| Noncurrent loans to loans | 0.1624% | 4,412 |
| Net loans and leases to total assets | 78.1736% | 1,239 |
| Net loans and leases to deposits | 97.3543% | 980 |
| Net loans and leases to core deposits | 113.5365% | 863 |
| Total domestic deposits to total assets | 80.2981% | 4,257 |
| Equity capital to assets | 15.3607% | 662 |
| Core capital (leverage) ratio | 15.2190% | 619 |
| Tier 1 risk-based capital ratio | 18.7222% | 1,672 |
| Total risk-based capital ratio | 19.7883% | 1,669 |
| Memoranda: | ||
| Average total assets | $50,052,000 | 5,211 |
| Average earning assets | $44,983,000 | 5,227 |
| Average equity | $7,298,500 | 4,944 |
| Average total loans | $39,320,250 | 4,797 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4365% | 265 |
| Cost of funding earning assets | 0.4206% | 2,884 |
| Net interest margin | 5.0159% | 212 |
| Noninterest income to average assets | 2.2905% | 257 |
| Noninterest expense to average assets | 2.7135% | 3,045 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 4.0583% | 55 |
| Return on assets (ROA) | 4.0583% | 55 |
| Pretax return on assets | 4.0982% | 71 |
| Return on Equity (ROE) | 28.3326% | 45 |
| Retained earnings to average equity (ytd only) | -5.0982% | 5,538 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8360% | 5,634 |
| Assets per employee ($millions) | 4.6209% | 2,909 |
| Cash dividends to net income (ytd only)* | 117.9941% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 3,426 |
| Loan loss allowance to noncurrent loans | 681.2500% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 4,687 |
| Noncurrent loans to loans | 0.1656% | 4,450 |
| Net loans and leases to total assets | 75.1544% | 1,672 |
| Net loans and leases to deposits | 92.1305% | 1,475 |
| Net loans and leases to core deposits | 108.1079% | 1,103 |
| Total domestic deposits to total assets | 81.5739% | 4,024 |
| Equity capital to assets | 14.3400% | 868 |
| Core capital (leverage) ratio | 14.4853% | 746 |
| Tier 1 risk-based capital ratio | 17.9625% | 1,863 |
| Total risk-based capital ratio | 19.0369% | 1,882 |
| Memoranda: | ||
| Average total assets | $50,120,000 | 5,246 |
| Average earning assets | $45,176,330 | 5,258 |
| Average equity | $7,179,000 | 4,987 |
| Average total loans | $39,292,330 | 4,830 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3396% | 303 |
| Cost of funding earning assets | 0.3922% | 3,081 |
| Net interest margin | 4.9474% | 243 |
| Noninterest income to average assets | 2.3792% | 250 |
| Noninterest expense to average assets | 2.7489% | 2,955 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 4.0510% | 54 |
| Return on assets (ROA) | 4.0510% | 53 |
| Pretax return on assets | 4.0912% | 75 |
| Return on Equity (ROE) | 28.2987% | 55 |
| Retained earnings to average equity (ytd only) | -39.0792% | 5,811 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1880% | 5,694 |
| Assets per employee ($millions) | 4.1463% | 3,765 |
| Cash dividends to net income (ytd only)* | 238.0952% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 3,573 |
| Loan loss allowance to noncurrent loans | 2,294.7368% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 5,155 |
| Noncurrent loans to loans | 0.0489% | 4,994 |
| Net loans and leases to total assets | 77.2405% | 1,238 |
| Net loans and leases to deposits | 93.7341% | 1,138 |
| Net loans and leases to core deposits | 110.1869% | 870 |
| Total domestic deposits to total assets | 82.4038% | 4,058 |
| Equity capital to assets | 13.6187% | 1,032 |
| Core capital (leverage) ratio | 13.5185% | 974 |
| Tier 1 risk-based capital ratio | 16.9328% | 2,199 |
| Total risk-based capital ratio | 18.0223% | 2,227 |
| Memoranda: | ||
| Average total assets | $49,765,000 | 5,314 |
| Average earning assets | $44,872,000 | 5,324 |
| Average equity | $7,124,000 | 5,042 |
| Average total loans | $39,620,000 | 4,863 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1520% | 451 |
| Cost of funding earning assets | 0.3793% | 3,215 |
| Net interest margin | 4.7727% | 368 |
| Noninterest income to average assets | 2.1302% | 317 |
| Noninterest expense to average assets | 2.7804% | 3,090 |
| Loan and lease loss provision to assets | 0.2019% | 1,137 |
| Net operating income to assets | 3.3781% | 67 |
| Return on assets (ROA) | 3.3781% | 67 |
| Pretax return on assets | 3.4164% | 88 |
| Return on Equity (ROE) | 24.3310% | 84 |
| Retained earnings to average equity (ytd only) | 6.8790% | 1,279 |
| Net charge-offs to loans | 0.0238% | 3,569 |
| Credit loss provision to net charge-offs | 1,111.1111% | 353 |
| Earnings coverage of net charge-offs (x) | 199.1111% | 345 |
| Efficiency ratio | 43.4522% | 5,713 |
| Assets per employee ($millions) | 4.1479% | 3,710 |
| Cash dividends to net income (ytd only)* | 71.7274% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 3,826 |
| 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 | 80.2351% | 866 |
| Net loans and leases to deposits | 98.8442% | 754 |
| Net loans and leases to core deposits | 117.3410% | 566 |
| Total domestic deposits to total assets | 81.1733% | 4,295 |
| Equity capital to assets | 15.0116% | 643 |
| Core capital (leverage) ratio | 15.0348% | 597 |
| Tier 1 risk-based capital ratio | 18.2645% | 1,787 |
| Total risk-based capital ratio | 19.3302% | 1,790 |
| Memoranda: | ||
| Average total assets | $49,525,200 | 5,355 |
| Average earning assets | $44,293,600 | 5,369 |
| Average equity | $6,876,000 | 5,119 |
| Average total loans | $37,879,000 | 4,950 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2403% | 399 |
| Cost of funding earning assets | 0.3683% | 3,350 |
| Net interest margin | 4.8721% | 321 |
| Noninterest income to average assets | 2.0891% | 333 |
| Noninterest expense to average assets | 2.6848% | 3,388 |
| Loan and lease loss provision to assets | 0.2696% | 663 |
| Net operating income to assets | 3.4449% | 65 |
| Return on assets (ROA) | 3.4449% | 67 |
| Pretax return on assets | 3.4854% | 91 |
| Return on Equity (ROE) | 25.3302% | 78 |
| Retained earnings to average equity (ytd only) | 1.5460% | 4,895 |
| Net charge-offs to loans | 0.0322% | 3,004 |
| Credit loss provision to net charge-offs | 1,111.1111% | 370 |
| Earnings coverage of net charge-offs (x) | 154.7742% | 453 |
| Efficiency ratio | 41.6911% | 5,792 |
| Assets per employee ($millions) | 4.0953% | 3,797 |
| Cash dividends to net income (ytd only)* | 93.8966% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 3,200 |
| Loan loss allowance to noncurrent loans | 40.9390% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 2.1671% | 686 |
| Noncurrent loans to loans | 2.9461% | 520 |
| Net loans and leases to total assets | 72.6716% | 2,073 |
| Net loans and leases to deposits | 89.2111% | 1,855 |
| Net loans and leases to core deposits | 109.3177% | 963 |
| Total domestic deposits to total assets | 81.4602% | 4,119 |
| Equity capital to assets | 14.4029% | 903 |
| Core capital (leverage) ratio | 14.6880% | 688 |
| Tier 1 risk-based capital ratio | 18.2795% | 1,840 |
| Total risk-based capital ratio | 19.4055% | 1,843 |
| Memoranda: | ||
| Average total assets | $49,462,750 | 5,410 |
| Average earning assets | $44,169,250 | 5,432 |
| Average equity | $6,727,000 | 5,198 |
| Average total loans | $37,255,500 | 5,017 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2138% | 416 |
| Cost of funding earning assets | 0.3705% | 3,354 |
| Net interest margin | 4.8433% | 344 |
| Noninterest income to average assets | 2.1061% | 324 |
| Noninterest expense to average assets | 2.5338% | 3,934 |
| Loan and lease loss provision to assets | 0.4035% | 375 |
| Net operating income to assets | 3.4537% | 70 |
| Return on assets (ROA) | 3.4537% | 69 |
| Pretax return on assets | 3.4941% | 91 |
| Return on Equity (ROE) | 25.9002% | 76 |
| Retained earnings to average equity (ytd only) | -10.4085% | 5,889 |
| Net charge-offs to loans | 0.0478% | 2,527 |
| Credit loss provision to net charge-offs | 1,111.1111% | 344 |
| Earnings coverage of net charge-offs (x) | 107.3333% | 537 |
| Efficiency ratio | 39.3977% | 5,917 |
| Assets per employee ($millions) | 4.4717% | 3,080 |
| Cash dividends to net income (ytd only)* | 140.1869% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 3,542 |
| Loan loss allowance to noncurrent loans | 63.9296% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 1.3865% | 1,421 |
| Noncurrent loans to loans | 1.8251% | 1,126 |
| Net loans and leases to total assets | 75.0818% | 1,634 |
| Net loans and leases to deposits | 92.1250% | 1,494 |
| Net loans and leases to core deposits | 110.8869% | 882 |
| Total domestic deposits to total assets | 81.4999% | 4,140 |
| Equity capital to assets | 13.5315% | 1,226 |
| Core capital (leverage) ratio | 13.4882% | 987 |
| Tier 1 risk-based capital ratio | 16.9097% | 2,249 |
| Total risk-based capital ratio | 18.0174% | 2,271 |
| Memoranda: | ||
| Average total assets | $49,569,330 | 5,474 |
| Average earning assets | $44,267,000 | 5,492 |
| Average equity | $6,610,000 | 5,266 |
| Average total loans | $37,624,330 | 5,054 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1845% | 427 |
| Cost of funding earning assets | 0.3954% | 3,132 |
| Net interest margin | 4.7891% | 365 |
| Noninterest income to average assets | 2.0740% | 326 |
| Noninterest expense to average assets | 2.4920% | 4,096 |
| Loan and lease loss provision to assets | 0.8039% | 129 |
| Net operating income to assets | 3.0225% | 94 |
| Return on assets (ROA) | 3.0225% | 94 |
| Pretax return on assets | 3.0627% | 125 |
| Return on Equity (ROE) | 22.8329% | 132 |
| Retained earnings to average equity (ytd only) | -50.0380% | 6,074 |
| Net charge-offs to loans | 0.1060% | 1,493 |
| Credit loss provision to net charge-offs | 1,000.0000% | 359 |
| Earnings coverage of net charge-offs (x) | 48.1000% | 905 |
| Efficiency ratio | 39.1909% | 5,984 |
| Assets per employee ($millions) | 4.5162% | 3,040 |
| Cash dividends to net income (ytd only)* | 319.1489% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 3,894 |
| 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 | 76.8912% | 1,267 |
| Net loans and leases to deposits | 92.7519% | 1,259 |
| Net loans and leases to core deposits | 110.2236% | 844 |
| Total domestic deposits to total assets | 82.8999% | 3,936 |
| Equity capital to assets | 12.4300% | 1,724 |
| Core capital (leverage) ratio | 12.4687% | 1,352 |
| Tier 1 risk-based capital ratio | 16.2603% | 2,569 |
| Total risk-based capital ratio | 17.4084% | 2,557 |
| Memoranda: | ||
| Average total assets | $49,759,500 | 5,518 |
| Average earning assets | $44,517,500 | 5,540 |
| Average equity | $6,587,000 | 5,308 |
| Average total loans | $37,752,500 | 5,088 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0228% | 597 |
| Cost of funding earning assets | 0.2895% | 4,375 |
| Net interest margin | 4.7332% | 428 |
| Noninterest income to average assets | 2.0311% | 352 |
| Noninterest expense to average assets | 2.2830% | 4,841 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 3.9243% | 60 |
| Return on assets (ROA) | 3.9243% | 61 |
| Pretax return on assets | 3.9643% | 77 |
| Return on Equity (ROE) | 31.6185% | 47 |
| Retained earnings to average equity (ytd only) | 17.1220% | 91 |
| Net charge-offs to loans | -0.0027% | 4,899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5440% | 6,104 |
| Assets per employee ($millions) | 4.5310% | 2,992 |
| Cash dividends to net income (ytd only)* | 45.8482% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 4,934 |
| 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 | 73.2850% | 1,841 |
| Net loans and leases to deposits | 90.0365% | 1,611 |
| Net loans and leases to core deposits | 107.2843% | 1,023 |
| Total domestic deposits to total assets | 81.3948% | 4,374 |
| Equity capital to assets | 14.0427% | 916 |
| Core capital (leverage) ratio | 13.8905% | 851 |
| Tier 1 risk-based capital ratio | 18.0076% | 1,966 |
| Total risk-based capital ratio | 18.8952% | 2,024 |
| Memoranda: | ||
| Average total assets | $50,021,800 | 5,540 |
| Average earning assets | $44,557,200 | 5,564 |
| Average equity | $6,208,400 | 5,395 |
| Average total loans | $37,450,000 | 5,102 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9410% | 699 |
| Cost of funding earning assets | 0.2836% | 4,523 |
| Net interest margin | 4.6574% | 488 |
| Noninterest income to average assets | 1.9920% | 362 |
| Noninterest expense to average assets | 2.2157% | 5,014 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 3.8933% | 55 |
| Return on assets (ROA) | 3.8933% | 56 |
| Pretax return on assets | 3.9306% | 80 |
| Return on Equity (ROE) | 32.4299% | 41 |
| Retained earnings to average equity (ytd only) | 12.4662% | 318 |
| Net charge-offs to loans | -0.0035% | 4,771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0485% | 6,183 |
| Assets per employee ($millions) | 4.7608% | 2,609 |
| Cash dividends to net income (ytd only)* | 61.5597% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8543% | 5,353 |
| Loan loss allowance to noncurrent loans | 392.0455% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 5,084 |
| Noncurrent loans to loans | 0.2179% | 4,783 |
| Net loans and leases to total assets | 76.4517% | 1,322 |
| Net loans and leases to deposits | 92.0708% | 1,399 |
| Net loans and leases to core deposits | 117.8668% | 537 |
| Total domestic deposits to total assets | 83.0358% | 3,810 |
| Equity capital to assets | 12.4081% | 1,794 |
| Core capital (leverage) ratio | 13.2092% | 1,129 |
| Tier 1 risk-based capital ratio | 15.4899% | 3,055 |
| Total risk-based capital ratio | 16.3123% | 3,203 |
| Memoranda: | ||
| Average total assets | $50,067,000 | 5,609 |
| Average earning assets | $44,658,750 | 5,638 |
| Average equity | $6,010,750 | 5,497 |
| Average total loans | $37,594,750 | 5,155 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9418% | 664 |
| Cost of funding earning assets | 0.2918% | 4,487 |
| Net interest margin | 4.6500% | 477 |
| Noninterest income to average assets | 2.0365% | 363 |
| Noninterest expense to average assets | 1.9878% | 5,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 4.1461% | 61 |
| Return on assets (ROA) | 4.1461% | 61 |
| Pretax return on assets | 4.1866% | 79 |
| Return on Equity (ROE) | 34.9501% | 40 |
| Retained earnings to average equity (ytd only) | 4.1721% | 3,375 |
| Net charge-offs to loans | -0.0055% | 4,761 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.1945% | 6,285 |
| Assets per employee ($millions) | 4.5233% | 2,947 |
| Cash dividends to net income (ytd only)* | 88.0626% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9682% | 5,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 70.9201% | 2,174 |
| Net loans and leases to deposits | 86.2995% | 2,022 |
| Net loans and leases to core deposits | 100.9498% | 1,412 |
| Total domestic deposits to total assets | 82.1790% | 4,234 |
| Equity capital to assets | 12.1754% | 1,892 |
| Core capital (leverage) ratio | 12.0793% | 1,607 |
| Tier 1 risk-based capital ratio | 15.5889% | 3,051 |
| Total risk-based capital ratio | 16.4767% | 3,172 |
| Memoranda: | ||
| Average total assets | $49,299,670 | 5,687 |
| Average earning assets | $43,870,670 | 5,717 |
| Average equity | $5,848,330 | 5,588 |
| Average total loans | $36,665,670 | 5,234 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7208% | 996 |
| Cost of funding earning assets | 0.2842% | 4,618 |
| Net interest margin | 4.4367% | 677 |
| Noninterest income to average assets | 2.0215% | 366 |
| Noninterest expense to average assets | 1.7199% | 5,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 4.2061% | 56 |
| Return on assets (ROA) | 4.2061% | 58 |
| Pretax return on assets | 4.2469% | 81 |
| Return on Equity (ROE) | 35.9363% | 40 |
| Retained earnings to average equity (ytd only) | -26.7433% | 6,324 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.8251% | 6,374 |
| Assets per employee ($millions) | 5.0250% | 2,321 |
| Cash dividends to net income (ytd only)* | 174.4186% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 5,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 74.4478% | 1,431 |
| Net loans and leases to deposits | 89.0926% | 1,494 |
| Net loans and leases to core deposits | 103.7380% | 1,080 |
| Total domestic deposits to total assets | 83.5622% | 3,991 |
| Equity capital to assets | 11.0527% | 2,917 |
| Core capital (leverage) ratio | 11.1296% | 2,286 |
| Tier 1 risk-based capital ratio | 14.0803% | 3,955 |
| Total risk-based capital ratio | 14.9527% | 4,126 |
| Memoranda: | ||
| Average total assets | $49,071,500 | 5,743 |
| Average earning assets | $43,636,500 | 5,764 |
| Average equity | $5,743,500 | 5,667 |
| Average total loans | $37,182,500 | 5,235 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6103% | 1,528 |
| Cost of funding earning assets | 0.3032% | 4,758 |
| Net interest margin | 4.3071% | 1,047 |
| Noninterest income to average assets | 1.9581% | 354 |
| Noninterest expense to average assets | 2.6776% | 3,953 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 3.0050% | 91 |
| Return on assets (ROA) | 3.0050% | 91 |
| Pretax return on assets | 3.0425% | 108 |
| Return on Equity (ROE) | 26.7536% | 81 |
| Retained earnings to average equity (ytd only) | 12.8291% | 235 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8101% | 6,229 |
| Assets per employee ($millions) | 5.3214% | 1,937 |
| Cash dividends to net income (ytd only)* | 52.0472% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 5,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 75.7251% | 1,311 |
| Net loans and leases to deposits | 92.3694% | 1,249 |
| Net loans and leases to core deposits | 102.6202% | 1,200 |
| Total domestic deposits to total assets | 81.9807% | 4,428 |
| Equity capital to assets | 12.3880% | 1,711 |
| Core capital (leverage) ratio | 12.3351% | 1,432 |
| Tier 1 risk-based capital ratio | 15.1521% | 3,413 |
| Total risk-based capital ratio | 16.0302% | 3,546 |
| Memoranda: | ||
| Average total assets | $47,953,600 | 5,834 |
| Average earning assets | $41,884,600 | 5,875 |
| Average equity | $5,386,200 | 5,768 |
| Average total loans | $34,018,800 | 5,396 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5351% | 1,749 |
| Cost of funding earning assets | 0.2966% | 4,914 |
| Net interest margin | 4.2385% | 1,184 |
| Noninterest income to average assets | 1.9123% | 372 |
| Noninterest expense to average assets | 2.4182% | 4,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 3.1464% | 91 |
| Return on assets (ROA) | 3.1464% | 90 |
| Pretax return on assets | 3.1881% | 101 |
| Return on Equity (ROE) | 28.7513% | 69 |
| Retained earnings to average equity (ytd only) | 9.7023% | 778 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1334% | 6,390 |
| Assets per employee ($millions) | 4.8062% | 2,508 |
| Cash dividends to net income (ytd only)* | 66.2546% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9406% | 5,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 75.3818% | 1,310 |
| Net loans and leases to deposits | 92.3457% | 1,198 |
| Net loans and leases to core deposits | 104.5599% | 1,068 |
| Total domestic deposits to total assets | 81.6300% | 4,618 |
| Equity capital to assets | 11.7078% | 2,299 |
| Core capital (leverage) ratio | 11.5415% | 2,033 |
| Tier 1 risk-based capital ratio | 13.9276% | 4,271 |
| Total risk-based capital ratio | 14.7789% | 4,463 |
| Memoranda: | ||
| Average total assets | $47,968,750 | 5,902 |
| Average earning assets | $41,806,000 | 5,947 |
| Average equity | $5,249,500 | 5,861 |
| Average total loans | $33,370,750 | 5,476 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3057% | 2,565 |
| Cost of funding earning assets | 0.2973% | 4,996 |
| Net interest margin | 4.0084% | 1,782 |
| Noninterest income to average assets | 1.9066% | 370 |
| Noninterest expense to average assets | 2.3405% | 5,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 3.0122% | 92 |
| Return on assets (ROA) | 3.0122% | 95 |
| Pretax return on assets | 3.0540% | 113 |
| Return on Equity (ROE) | 28.1829% | 74 |
| Retained earnings to average equity (ytd only) | -1.0930% | 5,866 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3875% | 6,442 |
| Assets per employee ($millions) | 4.9212% | 2,314 |
| Cash dividends to net income (ytd only)* | 103.8781% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 4,979 |
| Loan loss allowance to noncurrent loans | 105.5215% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.6624% | 4,001 |
| Noncurrent loans to loans | 1.0253% | 3,184 |
| Net loans and leases to total assets | 63.9112% | 3,082 |
| Net loans and leases to deposits | 77.0675% | 2,921 |
| Net loans and leases to core deposits | 86.8001% | 2,438 |
| Total domestic deposits to total assets | 82.9290% | 4,331 |
| Equity capital to assets | 10.6133% | 3,293 |
| Core capital (leverage) ratio | 10.7282% | 2,685 |
| Tier 1 risk-based capital ratio | 14.7929% | 3,757 |
| Total risk-based capital ratio | 15.7683% | 3,859 |
| Memoranda: | ||
| Average total assets | $47,937,670 | 5,952 |
| Average earning assets | $41,712,330 | 6,011 |
| Average equity | $5,123,670 | 5,930 |
| Average total loans | $32,303,000 | 5,560 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3945% | 2,158 |
| Cost of funding earning assets | 0.3027% | 5,038 |
| Net interest margin | 4.0917% | 1,480 |
| Noninterest income to average assets | 2.4524% | 248 |
| Noninterest expense to average assets | 2.7738% | 3,660 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 3.1797% | 91 |
| Return on assets (ROA) | 3.1797% | 93 |
| Pretax return on assets | 3.2220% | 126 |
| Return on Equity (ROE) | 29.6413% | 69 |
| Retained earnings to average equity (ytd only) | -29.4836% | 6,615 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2623% | 6,416 |
| Assets per employee ($millions) | 4.7450% | 2,606 |
| Cash dividends to net income (ytd only)* | 199.4681% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 5,002 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 63.5996% | 2,963 |
| Net loans and leases to deposits | 76.4523% | 2,761 |
| Net loans and leases to core deposits | 86.4625% | 2,272 |
| Total domestic deposits to total assets | 83.1886% | 4,536 |
| Equity capital to assets | 10.2887% | 3,489 |
| Core capital (leverage) ratio | 10.0822% | 3,453 |
| Tier 1 risk-based capital ratio | 13.4073% | 4,762 |
| Total risk-based capital ratio | 14.3541% | 4,885 |
| Memoranda: | ||
| Average total assets | $47,300,500 | 6,032 |
| Average earning assets | $40,960,500 | 6,084 |
| Average equity | $5,074,000 | 5,977 |
| Average total loans | $32,556,500 | 5,607 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2653% | 3,090 |
| Cost of funding earning assets | 0.3357% | 5,279 |
| Net interest margin | 3.9296% | 2,183 |
| Noninterest income to average assets | 1.9529% | 407 |
| Noninterest expense to average assets | 2.4647% | 4,878 |
| Loan and lease loss provision to assets | 0.3083% | 1,081 |
| Net operating income to assets | 2.5100% | 165 |
| Return on assets (ROA) | 2.5100% | 170 |
| Pretax return on assets | 2.5490% | 188 |
| Return on Equity (ROE) | 25.3162% | 120 |
| Retained earnings to average equity (ytd only) | 9.7657% | 603 |
| Net charge-offs to loans | 0.2941% | 2,219 |
| Credit loss provision to net charge-offs | 164.8352% | 1,382 |
| Earnings coverage of net charge-offs (x) | 15.2747% | 1,882 |
| Efficiency ratio | 46.3113% | 6,545 |
| Assets per employee ($millions) | 4.7151% | 2,564 |
| Cash dividends to net income (ytd only)* | 61.4251% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 5,601 |
| Loan loss allowance to noncurrent loans | 344.0000% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 5,645 |
| Noncurrent loans to loans | 0.2891% | 5,321 |
| Net loans and leases to total assets | 72.6326% | 1,573 |
| Net loans and leases to deposits | 88.1564% | 1,441 |
| Net loans and leases to core deposits | 99.8892% | 1,168 |
| Total domestic deposits to total assets | 82.3906% | 4,741 |
| Equity capital to assets | 11.1684% | 2,464 |
| Core capital (leverage) ratio | 10.9730% | 2,414 |
| Tier 1 risk-based capital ratio | 13.9554% | 4,322 |
| Total risk-based capital ratio | 14.8707% | 4,517 |
| Memoranda: | ||
| Average total assets | $48,646,200 | 6,046 |
| Average earning assets | $41,708,600 | 6,121 |
| Average equity | $4,823,000 | 6,109 |
| Average total loans | $30,945,600 | 5,713 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1015% | 3,753 |
| Cost of funding earning assets | 0.3206% | 5,545 |
| Net interest margin | 3.7809% | 2,711 |
| Noninterest income to average assets | 1.8903% | 453 |
| Noninterest expense to average assets | 2.4343% | 4,919 |
| Loan and lease loss provision to assets | 0.4080% | 731 |
| Net operating income to assets | 2.2467% | 238 |
| Return on assets (ROA) | 2.2467% | 246 |
| Pretax return on assets | 2.2875% | 328 |
| Return on Equity (ROE) | 23.3712% | 161 |
| Retained earnings to average equity (ytd only) | 2.1504% | 5,024 |
| Net charge-offs to loans | 0.4661% | 1,381 |
| Credit loss provision to net charge-offs | 142.8571% | 1,646 |
| Earnings coverage of net charge-offs (x) | 9.4379% | 2,484 |
| Efficiency ratio | 47.4549% | 6,526 |
| Assets per employee ($millions) | 4.8592% | 2,357 |
| Cash dividends to net income (ytd only)* | 90.7991% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 5,538 |
| Loan loss allowance to noncurrent loans | 44.4744% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 2.6280% | 1,439 |
| Noncurrent loans to loans | 2.3529% | 1,868 |
| Net loans and leases to total assets | 64.2204% | 2,966 |
| Net loans and leases to deposits | 77.0005% | 2,817 |
| Net loans and leases to core deposits | 89.2824% | 2,045 |
| Total domestic deposits to total assets | 83.4026% | 4,413 |
| Equity capital to assets | 10.0469% | 3,836 |
| Core capital (leverage) ratio | 10.0656% | 3,575 |
| Tier 1 risk-based capital ratio | 13.4113% | 4,827 |
| Total risk-based capital ratio | 14.3236% | 5,027 |
| Memoranda: | ||
| Average total assets | $49,020,000 | 6,106 |
| Average earning assets | $41,999,250 | 6,182 |
| Average equity | $4,712,250 | 6,222 |
| Average total loans | $30,034,250 | 5,815 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9737% | 4,210 |
| Cost of funding earning assets | 0.3217% | 5,649 |
| Net interest margin | 3.6520% | 3,170 |
| Noninterest income to average assets | 1.9242% | 472 |
| Noninterest expense to average assets | 2.3310% | 5,274 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.6931% | 141 |
| Return on assets (ROA) | 2.6931% | 149 |
| Pretax return on assets | 2.7338% | 201 |
| Return on Equity (ROE) | 28.4384% | 84 |
| Retained earnings to average equity (ytd only) | -3.7803% | 6,373 |
| Net charge-offs to loans | 0.7314% | 890 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.2222% | 2,755 |
| Efficiency ratio | 46.0241% | 6,635 |
| Assets per employee ($millions) | 4.3287% | 3,126 |
| Cash dividends to net income (ytd only)* | 113.2931% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5816% | 6,634 |
| Loan loss allowance to noncurrent loans | 12.0081% | 6,405 |
| Noncurrent assets plus other real estate owned to assets | 5.1117% | 596 |
| Noncurrent loans to loans | 4.8434% | 688 |
| Net loans and leases to total assets | 63.5417% | 2,999 |
| Net loans and leases to deposits | 76.1445% | 2,852 |
| Net loans and leases to core deposits | 88.5481% | 2,056 |
| Total domestic deposits to total assets | 83.4488% | 4,523 |
| Equity capital to assets | 9.9105% | 4,034 |
| Core capital (leverage) ratio | 9.5467% | 4,172 |
| Tier 1 risk-based capital ratio | 13.4713% | 4,786 |
| Total risk-based capital ratio | 13.9802% | 5,274 |
| Memoranda: | ||
| Average total assets | $49,162,670 | 6,142 |
| Average earning assets | $42,278,330 | 6,212 |
| Average equity | $4,655,670 | 6,281 |
| Average total loans | $29,533,670 | 5,867 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6454% | 5,322 |
| Cost of funding earning assets | 0.3154% | 5,837 |
| Net interest margin | 3.3300% | 4,400 |
| Noninterest income to average assets | 1.9785% | 435 |
| Noninterest expense to average assets | 2.3871% | 5,159 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.4271% | 175 |
| Return on assets (ROA) | 2.4271% | 187 |
| Pretax return on assets | 2.4672% | 280 |
| Return on Equity (ROE) | 26.2111% | 108 |
| Retained earnings to average equity (ytd only) | -38.6678% | 6,930 |
| Net charge-offs to loans | 1.0040% | 605 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.2192% | 2,595 |
| Efficiency ratio | 49.1749% | 6,557 |
| Assets per employee ($millions) | 4.5359% | 2,907 |
| Cash dividends to net income (ytd only)* | 247.5248% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7654% | 6,510 |
| Loan loss allowance to noncurrent loans | 19.3078% | 6,360 |
| Noncurrent assets plus other real estate owned to assets | 2.2006% | 2,117 |
| Noncurrent loans to loans | 3.9642% | 1,145 |
| Net loans and leases to total assets | 55.0877% | 4,225 |
| Net loans and leases to deposits | 64.7766% | 4,214 |
| Net loans and leases to core deposits | 74.5403% | 3,511 |
| Total domestic deposits to total assets | 85.0426% | 4,018 |
| Equity capital to assets | 8.7965% | 5,715 |
| Core capital (leverage) ratio | 8.5370% | 5,535 |
| Tier 1 risk-based capital ratio | 13.1177% | 5,132 |
| Total risk-based capital ratio | 13.7604% | 5,524 |
| Memoranda: | ||
| Average total assets | $49,936,000 | 6,186 |
| Average earning assets | $43,122,500 | 6,242 |
| Average equity | $4,624,000 | 6,358 |
| Average total loans | $29,084,000 | 5,929 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7490% | 5,948 |
| Cost of funding earning assets | 0.4852% | 5,320 |
| Net interest margin | 3.2639% | 5,381 |
| Noninterest income to average assets | 1.8954% | 470 |
| Noninterest expense to average assets | 2.6097% | 4,705 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.0983% | 302 |
| Return on assets (ROA) | 2.0983% | 332 |
| Pretax return on assets | 2.1389% | 458 |
| Return on Equity (ROE) | 23.0917% | 177 |
| Retained earnings to average equity (ytd only) | 6.3424% | 1,900 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9573% | 6,179 |
| Assets per employee ($millions) | 4.5434% | 2,891 |
| Cash dividends to net income (ytd only)* | 72.5338% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 6,177 |
| Loan loss allowance to noncurrent loans | 22.7273% | 6,324 |
| Noncurrent assets plus other real estate owned to assets | 2.5092% | 1,943 |
| Noncurrent loans to loans | 4.1155% | 1,125 |
| Net loans and leases to total assets | 60.3978% | 3,534 |
| Net loans and leases to deposits | 71.6541% | 3,470 |
| Net loans and leases to core deposits | 82.5290% | 2,714 |
| Total domestic deposits to total assets | 84.2908% | 4,186 |
| Equity capital to assets | 9.7225% | 4,566 |
| Core capital (leverage) ratio | 10.8281% | 2,407 |
| Tier 1 risk-based capital ratio | 13.9452% | 4,411 |
| Total risk-based capital ratio | 14.7777% | 4,684 |
| Memoranda: | ||
| Average total assets | $49,278,000 | 6,233 |
| Average earning assets | $43,077,800 | 6,268 |
| Average equity | $4,477,800 | 6,448 |
| Average total loans | $26,020,800 | 6,135 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7514% | 6,126 |
| Cost of funding earning assets | 0.5025% | 5,418 |
| Net interest margin | 3.2489% | 5,550 |
| Noninterest income to average assets | 1.8274% | 484 |
| Noninterest expense to average assets | 2.4818% | 5,137 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.1695% | 304 |
| Return on assets (ROA) | 2.1695% | 335 |
| Pretax return on assets | 2.2076% | 473 |
| Return on Equity (ROE) | 24.3083% | 159 |
| Retained earnings to average equity (ytd only) | 1.4907% | 5,589 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9241% | 6,361 |
| Assets per employee ($millions) | 4.4871% | 2,937 |
| Cash dividends to net income (ytd only)* | 93.8675% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9181% | 6,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 62.3161% | 3,332 |
| Net loans and leases to deposits | 73.8239% | 3,310 |
| Net loans and leases to core deposits | 84.9950% | 2,576 |
| Total domestic deposits to total assets | 84.4118% | 4,026 |
| Equity capital to assets | 9.4048% | 5,327 |
| Core capital (leverage) ratio | 9.0844% | 4,939 |
| Tier 1 risk-based capital ratio | 12.9372% | 5,301 |
| Total risk-based capital ratio | 13.7495% | 5,604 |
| Memoranda: | ||
| Average total assets | $49,103,250 | 6,315 |
| Average earning assets | $43,254,000 | 6,331 |
| Average equity | $4,382,500 | 6,545 |
| Average total loans | $24,908,500 | 6,285 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5377% | 6,561 |
| Cost of funding earning assets | 0.5332% | 5,413 |
| Net interest margin | 3.0045% | 6,234 |
| Noninterest income to average assets | 1.7993% | 479 |
| Noninterest expense to average assets | 2.5623% | 4,912 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8442% | 519 |
| Return on assets (ROA) | 1.8442% | 587 |
| Pretax return on assets | 1.8809% | 881 |
| Return on Equity (ROE) | 21.0428% | 289 |
| Retained earnings to average equity (ytd only) | -13.8734% | 6,922 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6676% | 5,908 |
| Assets per employee ($millions) | 4.5215% | 2,865 |
| Cash dividends to net income (ytd only)* | 165.9292% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 5,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 48.9012% | 5,504 |
| Net loans and leases to deposits | 57.3470% | 5,521 |
| Net loans and leases to core deposits | 65.7032% | 5,035 |
| Total domestic deposits to total assets | 85.2725% | 3,725 |
| Equity capital to assets | 8.6274% | 6,099 |
| Core capital (leverage) ratio | 9.0339% | 4,861 |
| Tier 1 risk-based capital ratio | 13.5508% | 4,784 |
| Total risk-based capital ratio | 14.4723% | 4,996 |
| Memoranda: | ||
| Average total assets | $49,018,330 | 6,352 |
| Average earning assets | $43,135,000 | 6,377 |
| Average equity | $4,296,000 | 6,600 |
| Average total loans | $22,863,670 | 6,423 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3364% | 6,869 |
| Cost of funding earning assets | 0.5714% | 5,347 |
| Net interest margin | 2.7649% | 6,686 |
| Noninterest income to average assets | 1.8332% | 470 |
| Noninterest expense to average assets | 2.5894% | 4,860 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6688% | 766 |
| Return on assets (ROA) | 1.6688% | 851 |
| Pretax return on assets | 1.7099% | 1,277 |
| Return on Equity (ROE) | 18.8903% | 464 |
| Retained earnings to average equity (ytd only) | -50.9015% | 7,217 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2294% | 5,583 |
| Assets per employee ($millions) | 4.1761% | 3,631 |
| Cash dividends to net income (ytd only)* | 369.4581% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4765% | 4,273 |
| Loan loss allowance to noncurrent loans | 814.2857% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 6,710 |
| Noncurrent loans to loans | 0.1813% | 6,321 |
| Net loans and leases to total assets | 37.9502% | 6,494 |
| Net loans and leases to deposits | 44.0425% | 6,557 |
| Net loans and leases to core deposits | 50.3122% | 6,320 |
| Total domestic deposits to total assets | 86.1673% | 3,431 |
| Equity capital to assets | 7.9899% | 6,532 |
| Core capital (leverage) ratio | 9.3191% | 4,331 |
| Tier 1 risk-based capital ratio | 13.2535% | 5,027 |
| Total risk-based capital ratio | 14.2117% | 5,215 |
| Memoranda: | ||
| Average total assets | $48,659,000 | 6,410 |
| Average earning assets | $43,400,500 | 6,412 |
| Average equity | $4,298,500 | 6,637 |
| Average total loans | $21,992,000 | 6,514 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2055% | 6,032 |
| Cost of funding earning assets | 0.8226% | 4,690 |
| Net interest margin | 3.3829% | 5,536 |
| Noninterest income to average assets | 1.9232% | 401 |
| Noninterest expense to average assets | 2.9594% | 3,745 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.9297% | 359 |
| Return on assets (ROA) | 1.9297% | 385 |
| Pretax return on assets | 1.9708% | 564 |
| Return on Equity (ROE) | 20.8401% | 231 |
| Retained earnings to average equity (ytd only) | 3.3176% | 3,863 |
| Net charge-offs to loans | 0.0116% | 6,267 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 303.6667% | 120 |
| Efficiency ratio | 60.0263% | 5,755 |
| Assets per employee ($millions) | 3.9338% | 3,998 |
| Cash dividends to net income (ytd only)* | 84.0807% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 5,605 |
| Loan loss allowance to noncurrent loans | 153.2258% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3940% | 5,987 |
| Noncurrent loans to loans | 0.7536% | 5,190 |
| Net loans and leases to total assets | 51.6810% | 5,365 |
| Net loans and leases to deposits | 61.1705% | 5,351 |
| Net loans and leases to core deposits | 70.6823% | 4,689 |
| Total domestic deposits to total assets | 84.4868% | 4,103 |
| Equity capital to assets | 9.7299% | 4,550 |
| Core capital (leverage) ratio | 10.0123% | 3,328 |
| Tier 1 risk-based capital ratio | 14.0960% | 4,257 |
| Total risk-based capital ratio | 14.9909% | 4,490 |
| Memoranda: | ||
| Average total assets | $46,225,200 | 6,476 |
| Average earning assets | $41,088,600 | 6,491 |
| Average equity | $4,280,200 | 6,661 |
| Average total loans | $25,814,800 | 6,369 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2111% | 6,179 |
| Cost of funding earning assets | 0.8487% | 4,782 |
| Net interest margin | 3.3624% | 5,679 |
| Noninterest income to average assets | 1.8993% | 413 |
| Noninterest expense to average assets | 2.8910% | 3,969 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.9689% | 366 |
| Return on assets (ROA) | 1.9689% | 397 |
| Pretax return on assets | 2.0066% | 618 |
| Return on Equity (ROE) | 21.5447% | 237 |
| Retained earnings to average equity (ytd only) | -2.2527% | 6,327 |
| Net charge-offs to loans | -0.0869% | 7,143 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0290% | 5,863 |
| Assets per employee ($millions) | 3.9050% | 4,058 |
| Cash dividends to net income (ytd only)* | 110.4572% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 5,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 57.8105% | 4,540 |
| Net loans and leases to deposits | 68.4817% | 4,525 |
| Net loans and leases to core deposits | 78.4172% | 3,838 |
| Total domestic deposits to total assets | 84.4174% | 4,043 |
| Equity capital to assets | 9.4131% | 5,224 |
| Core capital (leverage) ratio | 9.4019% | 4,303 |
| Tier 1 risk-based capital ratio | 13.1065% | 5,021 |
| Total risk-based capital ratio | 14.0414% | 5,240 |
| Memoranda: | ||
| Average total assets | $45,980,250 | 6,539 |
| Average earning assets | $41,001,250 | 6,546 |
| Average equity | $4,202,000 | 6,743 |
| Average total loans | $26,098,250 | 6,420 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1181% | 6,452 |
| Cost of funding earning assets | 0.8765% | 4,853 |
| Net interest margin | 3.2416% | 6,022 |
| Noninterest income to average assets | 1.9393% | 378 |
| Noninterest expense to average assets | 2.8236% | 4,336 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9787% | 353 |
| Return on assets (ROA) | 1.9787% | 372 |
| Pretax return on assets | 2.0137% | 575 |
| Return on Equity (ROE) | 21.8763% | 241 |
| Retained earnings to average equity (ytd only) | -14.4229% | 7,020 |
| Net charge-offs to loans | -0.1325% | 7,223 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3710% | 6,113 |
| Assets per employee ($millions) | 3.8403% | 4,109 |
| Cash dividends to net income (ytd only)* | 165.9292% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 5,724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 56.4438% | 4,915 |
| Net loans and leases to deposits | 66.6351% | 4,904 |
| Net loans and leases to core deposits | 76.2160% | 4,293 |
| Total domestic deposits to total assets | 84.7059% | 4,016 |
| Equity capital to assets | 9.1357% | 5,378 |
| Core capital (leverage) ratio | 9.6989% | 3,658 |
| Tier 1 risk-based capital ratio | 12.7435% | 5,139 |
| Total risk-based capital ratio | 13.7035% | 5,370 |
| Memoranda: | ||
| Average total assets | $45,687,000 | 6,602 |
| Average earning assets | $40,843,670 | 6,606 |
| Average equity | $4,132,330 | 6,806 |
| Average total loans | $25,666,000 | 6,497 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9126% | 6,807 |
| Cost of funding earning assets | 0.8946% | 4,963 |
| Net interest margin | 3.0180% | 6,542 |
| Noninterest income to average assets | 2.0225% | 348 |
| Noninterest expense to average assets | 2.7435% | 4,662 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.9433% | 379 |
| Return on assets (ROA) | 1.9433% | 398 |
| Pretax return on assets | 1.9785% | 577 |
| Return on Equity (ROE) | 21.5952% | 262 |
| Retained earnings to average equity (ytd only) | -51.6917% | 7,406 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1006% | 6,259 |
| Assets per employee ($millions) | 3.8485% | 4,189 |
| Cash dividends to net income (ytd only)* | 339.3665% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 5,620 |
| Loan loss allowance to noncurrent loans | 685.7143% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 6,935 |
| Noncurrent loans to loans | 0.1754% | 6,614 |
| Net loans and leases to total assets | 51.2234% | 5,682 |
| Net loans and leases to deposits | 59.6876% | 5,753 |
| Net loans and leases to core deposits | 68.0905% | 5,276 |
| Total domestic deposits to total assets | 85.8192% | 3,629 |
| Equity capital to assets | 8.2760% | 6,192 |
| Core capital (leverage) ratio | 9.5640% | 3,707 |
| Tier 1 risk-based capital ratio | 12.4332% | 5,328 |
| Total risk-based capital ratio | 13.3713% | 5,578 |
| Memoranda: | ||
| Average total assets | $45,489,000 | 6,654 |
| Average earning assets | $40,689,000 | 6,658 |
| Average equity | $4,093,500 | 6,851 |
| Average total loans | $25,341,000 | 6,570 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7955% | 5,426 |
| Cost of funding earning assets | 1.2071% | 4,519 |
| Net interest margin | 3.5883% | 4,872 |
| Noninterest income to average assets | 2.0554% | 373 |
| Noninterest expense to average assets | 2.9638% | 3,983 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 2.2666% | 162 |
| Return on assets (ROA) | 2.2666% | 168 |
| Pretax return on assets | 2.3052% | 249 |
| Return on Equity (ROE) | 24.7692% | 106 |
| Retained earnings to average equity (ytd only) | 10.6225% | 425 |
| Net charge-offs to loans | -0.0279% | 7,393 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2500% | 6,567 |
| Assets per employee ($millions) | 3.7330% | 4,395 |
| Cash dividends to net income (ytd only)* | 57.1142% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 6,038 |
| Loan loss allowance to noncurrent loans | 234.1463% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 6,567 |
| Noncurrent loans to loans | 0.4600% | 6,127 |
| Net loans and leases to total assets | 59.0455% | 4,836 |
| Net loans and leases to deposits | 69.9680% | 4,818 |
| Net loans and leases to core deposits | 79.7143% | 4,253 |
| Total domestic deposits to total assets | 84.3892% | 4,179 |
| Equity capital to assets | 9.7442% | 4,061 |
| Core capital (leverage) ratio | 9.4496% | 3,769 |
| Tier 1 risk-based capital ratio | 13.4753% | 4,226 |
| Total risk-based capital ratio | 14.3681% | 4,470 |
| Memoranda: | ||
| Average total assets | $44,031,000 | 6,733 |
| Average earning assets | $39,433,200 | 6,736 |
| Average equity | $4,029,200 | 6,992 |
| Average total loans | $28,649,400 | 6,464 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9393% | 5,083 |
| Cost of funding earning assets | 1.2475% | 4,586 |
| Net interest margin | 3.6918% | 4,446 |
| Noninterest income to average assets | 1.8704% | 420 |
| Noninterest expense to average assets | 2.8771% | 4,172 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.2719% | 205 |
| Return on assets (ROA) | 2.2719% | 219 |
| Pretax return on assets | 2.3053% | 337 |
| Return on Equity (ROE) | 25.2450% | 117 |
| Retained earnings to average equity (ytd only) | 5.9816% | 2,364 |
| Net charge-offs to loans | -0.0366% | 7,429 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5164% | 6,622 |
| Assets per employee ($millions) | 3.8561% | 4,128 |
| Cash dividends to net income (ytd only)* | 76.3047% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8480% | 6,897 |
| Loan loss allowance to noncurrent loans | 1,152.0000% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 7,212 |
| Noncurrent loans to loans | 0.0736% | 7,062 |
| Net loans and leases to total assets | 72.7768% | 2,057 |
| Net loans and leases to deposits | 93.0919% | 1,320 |
| Net loans and leases to core deposits | 105.5277% | 1,360 |
| Total domestic deposits to total assets | 78.1773% | 6,224 |
| Equity capital to assets | 9.2019% | 5,307 |
| Core capital (leverage) ratio | 9.2072% | 4,355 |
| Tier 1 risk-based capital ratio | 10.0022% | 7,070 |
| Total risk-based capital ratio | 10.7056% | 7,263 |
| Memoranda: | ||
| Average total assets | $43,839,750 | 6,823 |
| Average earning assets | $39,329,750 | 6,823 |
| Average equity | $3,945,250 | 7,106 |
| Average total loans | $29,127,250 | 6,528 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8174% | 5,730 |
| Cost of funding earning assets | 1.3223% | 4,397 |
| Net interest margin | 3.4951% | 5,267 |
| Noninterest income to average assets | 1.8964% | 379 |
| Noninterest expense to average assets | 2.8632% | 4,213 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.1335% | 261 |
| Return on assets (ROA) | 2.1335% | 284 |
| Pretax return on assets | 2.1660% | 434 |
| Return on Equity (ROE) | 23.9000% | 154 |
| Retained earnings to average equity (ytd only) | -5.7797% | 6,639 |
| Net charge-offs to loans | -0.1454% | 7,605 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9316% | 6,520 |
| Assets per employee ($millions) | 3.6959% | 4,481 |
| Cash dividends to net income (ytd only)* | 124.1830% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 6,276 |
| Loan loss allowance to noncurrent loans | 508.4746% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 7,057 |
| Noncurrent loans to loans | 0.2023% | 6,846 |
| Net loans and leases to total assets | 65.0899% | 4,023 |
| Net loans and leases to deposits | 79.5919% | 3,672 |
| Net loans and leases to core deposits | 89.8755% | 3,291 |
| Total domestic deposits to total assets | 81.7794% | 5,078 |
| Equity capital to assets | 8.9220% | 5,569 |
| Core capital (leverage) ratio | 8.8886% | 4,771 |
| Tier 1 risk-based capital ratio | 11.3608% | 5,897 |
| Total risk-based capital ratio | 12.2560% | 6,217 |
| Memoranda: | ||
| Average total assets | $43,028,670 | 6,894 |
| Average earning assets | $38,568,330 | 6,907 |
| Average equity | $3,841,000 | 7,171 |
| Average total loans | $27,515,000 | 6,660 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8266% | 5,780 |
| Cost of funding earning assets | 1.3489% | 4,505 |
| Net interest margin | 3.4777% | 5,256 |
| Noninterest income to average assets | 1.9449% | 353 |
| Noninterest expense to average assets | 2.7852% | 4,542 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.2376% | 237 |
| Return on assets (ROA) | 2.2376% | 263 |
| Pretax return on assets | 2.2753% | 365 |
| Return on Equity (ROE) | 25.0595% | 161 |
| Retained earnings to average equity (ytd only) | -35.2102% | 7,601 |
| Net charge-offs to loans | -0.2998% | 7,742 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0373% | 6,885 |
| Assets per employee ($millions) | 3.8061% | 4,294 |
| Cash dividends to net income (ytd only)* | 240.5063% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 5,722 |
| Loan loss allowance to noncurrent loans | 99.0099% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.7237% | 5,718 |
| Noncurrent loans to loans | 1.1700% | 5,022 |
| Net loans and leases to total assets | 61.1388% | 4,919 |
| Net loans and leases to deposits | 71.6100% | 5,107 |
| Net loans and leases to core deposits | 80.9647% | 4,634 |
| Total domestic deposits to total assets | 85.3775% | 3,472 |
| Equity capital to assets | 8.5963% | 5,875 |
| Core capital (leverage) ratio | 8.2798% | 5,777 |
| Tier 1 risk-based capital ratio | 11.1647% | 5,992 |
| Total risk-based capital ratio | 12.0988% | 6,279 |
| Memoranda: | ||
| Average total assets | $42,367,500 | 7,002 |
| Average earning assets | $37,956,000 | 7,022 |
| Average equity | $3,783,000 | 7,256 |
| Average total loans | $26,688,500 | 6,795 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2532% | 5,396 |
| Cost of funding earning assets | 1.8359% | 3,806 |
| Net interest margin | 3.4174% | 5,304 |
| Noninterest income to average assets | 2.0147% | 368 |
| Noninterest expense to average assets | 3.0504% | 3,943 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.9728% | 242 |
| Return on assets (ROA) | 1.9728% | 251 |
| Pretax return on assets | 2.0122% | 394 |
| Return on Equity (ROE) | 21.8651% | 169 |
| Retained earnings to average equity (ytd only) | 6.8328% | 1,022 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2533% | 6,448 |
| Assets per employee ($millions) | 3.8971% | 4,028 |
| Cash dividends to net income (ytd only)* | 68.7500% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 6,275 |
| Loan loss allowance to noncurrent loans | 31.7101% | 6,346 |
| Noncurrent assets plus other real estate owned to assets | 2.0598% | 3,317 |
| Noncurrent loans to loans | 3.2132% | 2,375 |
| Net loans and leases to total assets | 63.4506% | 4,712 |
| Net loans and leases to deposits | 74.5696% | 4,943 |
| Net loans and leases to core deposits | 103.1788% | 3,666 |
| Total domestic deposits to total assets | 85.0891% | 3,511 |
| Equity capital to assets | 9.2540% | 4,764 |
| Core capital (leverage) ratio | 9.3199% | 3,945 |
| Tier 1 risk-based capital ratio | 11.4957% | 5,395 |
| Total risk-based capital ratio | 12.3170% | 5,819 |
| Memoranda: | ||
| Average total assets | $40,552,200 | 7,073 |
| Average earning assets | $36,168,200 | 7,094 |
| Average equity | $3,658,800 | 7,399 |
| Average total loans | $27,835,400 | 6,748 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2648% | 5,598 |
| Cost of funding earning assets | 1.9243% | 3,752 |
| Net interest margin | 3.3405% | 5,489 |
| Noninterest income to average assets | 2.0013% | 366 |
| Noninterest expense to average assets | 3.0320% | 3,920 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.9146% | 346 |
| Return on assets (ROA) | 1.9146% | 375 |
| Pretax return on assets | 1.9513% | 588 |
| Return on Equity (ROE) | 21.3669% | 234 |
| Retained earnings to average equity (ytd only) | 0.8934% | 4,810 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8434% | 6,302 |
| Assets per employee ($millions) | 3.7332% | 4,351 |
| Cash dividends to net income (ytd only)* | 95.8200% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 6,517 |
| Loan loss allowance to noncurrent loans | 27.9720% | 6,600 |
| Noncurrent assets plus other real estate owned to assets | 2.4376% | 2,823 |
| Noncurrent loans to loans | 3.4109% | 2,204 |
| Net loans and leases to total assets | 70.7829% | 3,319 |
| Net loans and leases to deposits | 83.9674% | 3,652 |
| Net loans and leases to core deposits | 119.4502% | 2,298 |
| Total domestic deposits to total assets | 84.2981% | 3,580 |
| Equity capital to assets | 9.0783% | 5,370 |
| Core capital (leverage) ratio | 8.9825% | 4,677 |
| Tier 1 risk-based capital ratio | 10.4964% | 6,477 |
| Total risk-based capital ratio | 11.2924% | 6,890 |
| Memoranda: | ||
| Average total assets | $39,973,250 | 7,151 |
| Average earning assets | $35,682,750 | 7,175 |
| Average equity | $3,581,750 | 7,484 |
| Average total loans | $27,924,250 | 6,799 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1884% | 6,122 |
| Cost of funding earning assets | 1.9973% | 3,791 |
| Net interest margin | 3.1911% | 5,949 |
| Noninterest income to average assets | 2.0955% | 340 |
| Noninterest expense to average assets | 2.9639% | 4,235 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.9440% | 340 |
| Return on assets (ROA) | 1.9440% | 371 |
| Pretax return on assets | 1.9793% | 592 |
| Return on Equity (ROE) | 21.7945% | 248 |
| Retained earnings to average equity (ytd only) | -9.3405% | 6,803 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9591% | 6,562 |
| Assets per employee ($millions) | 3.7336% | 4,249 |
| Cash dividends to net income (ytd only)* | 142.8571% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 5,933 |
| Loan loss allowance to noncurrent loans | 53.4351% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 1.2759% | 4,385 |
| Noncurrent loans to loans | 1.9577% | 3,581 |
| Net loans and leases to total assets | 64.4899% | 4,876 |
| Net loans and leases to deposits | 75.3535% | 5,267 |
| Net loans and leases to core deposits | 101.4439% | 4,354 |
| Total domestic deposits to total assets | 85.5832% | 2,972 |
| Equity capital to assets | 8.5099% | 6,032 |
| Core capital (leverage) ratio | 8.6470% | 5,184 |
| Tier 1 risk-based capital ratio | 10.6985% | 6,182 |
| Total risk-based capital ratio | 11.5536% | 6,526 |
| Memoranda: | ||
| Average total assets | $39,609,330 | 7,223 |
| Average earning assets | $35,348,000 | 7,248 |
| Average equity | $3,533,000 | 7,564 |
| Average total loans | $27,450,000 | 6,882 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3742% | 5,551 |
| Cost of funding earning assets | 2.0777% | 3,749 |
| Net interest margin | 3.2965% | 5,508 |
| Noninterest income to average assets | 2.0885% | 339 |
| Noninterest expense to average assets | 2.7881% | 4,602 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.1811% | 240 |
| Return on assets (ROA) | 2.1811% | 278 |
| Pretax return on assets | 2.2223% | 421 |
| Return on Equity (ROE) | 23.8739% | 220 |
| Retained earnings to average equity (ytd only) | -38.0631% | 7,945 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6468% | 7,012 |
| Assets per employee ($millions) | 3.5787% | 4,629 |
| Cash dividends to net income (ytd only)* | 259.4340% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 6,291 |
| Loan loss allowance to noncurrent loans | 37.8378% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 1.8798% | 3,094 |
| Noncurrent loans to loans | 2.5961% | 2,540 |
| Net loans and leases to total assets | 71.6964% | 3,305 |
| Net loans and leases to deposits | 83.7284% | 4,023 |
| Net loans and leases to core deposits | 110.7214% | 3,343 |
| Total domestic deposits to total assets | 85.6297% | 2,909 |
| Equity capital to assets | 8.5454% | 6,002 |
| Core capital (leverage) ratio | 8.5383% | 5,454 |
| Tier 1 risk-based capital ratio | 9.8398% | 7,095 |
| Total risk-based capital ratio | 10.6674% | 7,452 |
| Memoranda: | ||
| Average total assets | $38,879,000 | 7,304 |
| Average earning assets | $34,461,000 | 7,334 |
| Average equity | $3,552,000 | 7,605 |
| Average total loans | $27,792,000 | 6,896 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5464% | 2,739 |
| Cost of funding earning assets | 2.7211% | 3,059 |
| Net interest margin | 3.8252% | 3,916 |
| Noninterest income to average assets | 2.1133% | 315 |
| Noninterest expense to average assets | 3.1461% | 3,530 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.3050% | 193 |
| Return on assets (ROA) | 2.3050% | 187 |
| Pretax return on assets | 2.3422% | 275 |
| Return on Equity (ROE) | 24.7443% | 144 |
| Retained earnings to average equity (ytd only) | -0.1143% | 5,306 |
| Net charge-offs to loans | 0.0075% | 6,844 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 440.0000% | 117 |
| Efficiency ratio | 57.3230% | 6,815 |
| Assets per employee ($millions) | 3.4902% | 4,696 |
| Cash dividends to net income (ytd only)* | 100.4619% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 5,753 |
| Loan loss allowance to noncurrent loans | 43.0769% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 1.6931% | 2,867 |
| Noncurrent loans to loans | 2.4003% | 2,288 |
| Net loans and leases to total assets | 69.8062% | 4,058 |
| Net loans and leases to deposits | 82.5708% | 4,639 |
| Net loans and leases to core deposits | 106.1933% | 4,175 |
| Total domestic deposits to total assets | 84.5411% | 3,051 |
| Equity capital to assets | 9.7416% | 4,376 |
| Core capital (leverage) ratio | 9.2075% | 4,427 |
| Tier 1 risk-based capital ratio | 11.1452% | 5,603 |
| Total risk-based capital ratio | 11.9960% | 5,871 |
| Memoranda: | ||
| Average total assets | $37,570,800 | 7,325 |
| Average earning assets | $33,148,200 | 7,370 |
| Average equity | $3,499,800 | 7,681 |
| Average total loans | $26,767,000 | 6,915 |