Home > Silex Banking Company > Performance and Condition Ratios
Silex Banking Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 3,684 |
| Cost of funding earning assets | 0.7342% | 3,874 |
| Net interest margin | 3.4346% | 2,335 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 2.0607% | 3,497 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.9946% | 2,237 |
| Return on assets (ROA) | 0.9946% | 2,219 |
| Pretax return on assets | 1.2706% | 1,955 |
| Return on Equity (ROE) | 7.6100% | 3,125 |
| Retained earnings to average equity (ytd only) | 4.4712% | 2,807 |
| 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 | 60.8179% | 2,988 |
| Assets per employee ($millions) | 8.0472% | 1,409 |
| Cash dividends to net income (ytd only)* | 41.2360% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 3,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 55.8000% | 3,212 |
| Net loans and leases to deposits | 64.7859% | 3,247 |
| Net loans and leases to core deposits | 67.6231% | 3,421 |
| Total domestic deposits to total assets | 86.1300% | 1,968 |
| Equity capital to assets | 13.7044% | 731 |
| Core capital (leverage) ratio | 14.3938% | 723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $89,486,000 | 3,919 |
| Average earning assets | $85,948,800 | 3,871 |
| Average equity | $11,697,000 | 3,558 |
| Average total loans | $46,819,200 | 3,888 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0556% | 3,747 |
| Cost of funding earning assets | 0.6474% | 3,875 |
| Net interest margin | 3.4082% | 2,433 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 1.9659% | 3,674 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.0669% | 2,159 |
| Return on assets (ROA) | 1.0669% | 2,148 |
| Pretax return on assets | 1.3091% | 2,013 |
| Return on Equity (ROE) | 8.2600% | 3,114 |
| Retained earnings to average equity (ytd only) | 7.0758% | 2,255 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.3591% | 3,160 |
| Assets per employee ($millions) | 8.1600% | 1,272 |
| Cash dividends to net income (ytd only)* | 14.3454% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9725% | 3,490 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 52.6400% | 3,451 |
| Net loans and leases to deposits | 60.7155% | 3,462 |
| Net loans and leases to core deposits | 62.9607% | 3,578 |
| Total domestic deposits to total assets | 86.6900% | 1,984 |
| Equity capital to assets | 13.2208% | 772 |
| Core capital (leverage) ratio | 14.5685% | 700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $89,727,750 | 3,930 |
| Average earning assets | $86,298,250 | 3,878 |
| Average equity | $11,588,500 | 3,566 |
| Average total loans | $46,059,000 | 3,910 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9336% | 3,814 |
| Cost of funding earning assets | 0.5513% | 3,881 |
| Net interest margin | 3.3822% | 2,567 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 2.0397% | 3,494 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 1.0789% | 2,175 |
| Return on assets (ROA) | 1.0789% | 2,178 |
| Pretax return on assets | 1.3309% | 1,988 |
| Return on Equity (ROE) | 8.4200% | 3,136 |
| Retained earnings to average equity (ytd only) | 6.6286% | 2,408 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.9188% | 2,855 |
| Assets per employee ($millions) | 8.3494% | 1,161 |
| Cash dividends to net income (ytd only)* | 21.2810% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9038% | 3,776 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 48.3500% | 3,664 |
| Net loans and leases to deposits | 55.5317% | 3,669 |
| Net loans and leases to core deposits | 57.3090% | 3,748 |
| Total domestic deposits to total assets | 87.0700% | 1,911 |
| Equity capital to assets | 12.8807% | 839 |
| Core capital (leverage) ratio | 14.1366% | 746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $89,717,000 | 3,944 |
| Average earning assets | $86,334,000 | 3,892 |
| Average equity | $11,495,667 | 3,591 |
| Average total loans | $45,508,333 | 3,929 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7249% | 3,987 |
| Cost of funding earning assets | 0.4551% | 3,827 |
| Net interest margin | 3.2698% | 2,950 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 2.0213% | 3,581 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0107% | 2,498 |
| Return on assets (ROA) | 1.0107% | 2,463 |
| Pretax return on assets | 1.2182% | 2,381 |
| Return on Equity (ROE) | 7.9100% | 3,314 |
| Retained earnings to average equity (ytd only) | 7.9093% | 2,249 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.3088% | 2,650 |
| Assets per employee ($millions) | 9.1110% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8756% | 3,914 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 50.3200% | 3,466 |
| Net loans and leases to deposits | 57.8139% | 3,460 |
| Net loans and leases to core deposits | 59.0112% | 3,583 |
| Total domestic deposits to total assets | 87.0400% | 2,247 |
| Equity capital to assets | 12.8548% | 798 |
| Core capital (leverage) ratio | 14.5731% | 648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $88,654,000 | 4,009 |
| Average earning assets | $85,264,000 | 3,958 |
| Average equity | $11,328,500 | 3,643 |
| Average total loans | $45,856,500 | 3,961 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0694% | 4,047 |
| Cost of funding earning assets | 0.2348% | 3,465 |
| Net interest margin | 2.8346% | 3,822 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 1.9212% | 3,787 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8125% | 3,283 |
| Return on assets (ROA) | 0.8125% | 3,215 |
| Pretax return on assets | 0.9094% | 3,329 |
| Return on Equity (ROE) | 6.4800% | 3,730 |
| Retained earnings to average equity (ytd only) | 3.3013% | 3,628 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.8726% | 1,981 |
| Assets per employee ($millions) | 7.8362% | 1,418 |
| Cash dividends to net income (ytd only)* | 49.0411% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8389% | 610 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 51.7700% | 3,379 |
| Net loans and leases to deposits | 59.3157% | 3,376 |
| Net loans and leases to core deposits | 60.6063% | 3,473 |
| Total domestic deposits to total assets | 87.2800% | 2,297 |
| Equity capital to assets | 12.6975% | 769 |
| Core capital (leverage) ratio | 13.9490% | 728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $89,841,600 | 4,013 |
| Average earning assets | $86,889,800 | 3,961 |
| Average equity | $11,268,400 | 3,738 |
| Average total loans | $45,129,000 | 3,974 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8942% | 4,066 |
| Cost of funding earning assets | 0.1969% | 3,316 |
| Net interest margin | 2.6973% | 3,933 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.8188% | 3,946 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8022% | 3,255 |
| Return on assets (ROA) | 0.8022% | 3,212 |
| Pretax return on assets | 0.8874% | 3,350 |
| Return on Equity (ROE) | 6.4100% | 3,707 |
| Retained earnings to average equity (ytd only) | 5.1691% | 3,039 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.2096% | 2,132 |
| Assets per employee ($millions) | 8.1567% | 1,242 |
| Cash dividends to net income (ytd only)* | 19.4139% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8792% | 623 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 48.6500% | 3,560 |
| Net loans and leases to deposits | 55.4412% | 3,523 |
| Net loans and leases to core deposits | 56.5884% | 3,592 |
| Total domestic deposits to total assets | 87.7500% | 2,500 |
| Equity capital to assets | 12.2353% | 833 |
| Core capital (leverage) ratio | 13.5067% | 781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $90,752,500 | 4,034 |
| Average earning assets | $88,036,000 | 3,974 |
| Average equity | $11,349,250 | 3,773 |
| Average total loans | $45,046,000 | 3,999 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7412% | 4,084 |
| Cost of funding earning assets | 0.1945% | 2,984 |
| Net interest margin | 2.5467% | 4,008 |
| Noninterest income to average assets | 0.0878% | 4,533 |
| Noninterest expense to average assets | 1.7871% | 3,993 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6828% | 3,368 |
| Return on assets (ROA) | 0.6828% | 3,322 |
| Pretax return on assets | 0.7728% | 3,394 |
| Return on Equity (ROE) | 5.4214% | 3,725 |
| Retained earnings to average equity (ytd only) | 3.5736% | 3,246 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8113% | 1,988 |
| Assets per employee ($millions) | 8.2248% | 1,189 |
| Cash dividends to net income (ytd only)* | 34.0836% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8852% | 686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 48.0917% | 3,545 |
| Net loans and leases to deposits | 54.8088% | 3,483 |
| Net loans and leases to core deposits | 55.9305% | 3,571 |
| Total domestic deposits to total assets | 87.7444% | 2,679 |
| Equity capital to assets | 12.2291% | 815 |
| Core capital (leverage) ratio | 13.1392% | 783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,095,333 | 4,071 |
| Average earning assets | $88,429,333 | 4,026 |
| Average equity | $11,473,000 | 3,834 |
| Average total loans | $45,232,667 | 4,044 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7259% | 3,891 |
| Cost of funding earning assets | 0.1937% | 2,878 |
| Net interest margin | 2.5321% | 3,829 |
| Noninterest income to average assets | 0.0963% | 4,524 |
| Noninterest expense to average assets | 1.7723% | 4,008 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6520% | 3,224 |
| Return on assets (ROA) | 0.6520% | 3,204 |
| Pretax return on assets | 0.7833% | 3,159 |
| Return on Equity (ROE) | 5.1038% | 3,594 |
| Retained earnings to average equity (ytd only) | 5.1038% | 2,554 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3493% | 2,324 |
| Assets per employee ($millions) | 9.2910% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8770% | 775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 47.0369% | 3,483 |
| Net loans and leases to deposits | 53.7355% | 3,438 |
| Net loans and leases to core deposits | 54.9849% | 3,528 |
| Total domestic deposits to total assets | 87.5342% | 2,734 |
| Equity capital to assets | 12.3151% | 856 |
| Core capital (leverage) ratio | 13.4311% | 684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,406,500 | 4,084 |
| Average earning assets | $88,779,000 | 4,035 |
| Average equity | $11,677,500 | 3,890 |
| Average total loans | $45,676,000 | 4,044 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1491% | 3,584 |
| Cost of funding earning assets | 0.2542% | 2,875 |
| Net interest margin | 2.8949% | 3,454 |
| Noninterest income to average assets | 0.0958% | 4,625 |
| Noninterest expense to average assets | 1.9740% | 3,756 |
| Loan and lease loss provision to assets | 0.1154% | 1,090 |
| Net operating income to assets | 0.6507% | 3,745 |
| Return on assets (ROA) | 0.6507% | 3,804 |
| Pretax return on assets | 0.8180% | 3,686 |
| Return on Equity (ROE) | 4.6680% | 4,067 |
| Retained earnings to average equity (ytd only) | 1.6884% | 4,075 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8968% | 1,998 |
| Assets per employee ($millions) | 8.9903% | 919 |
| Cash dividends to net income (ytd only)* | 63.8298% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7858% | 890 |
| Loan loss allowance to noncurrent loans | 1,577.3585% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 3,574 |
| Noncurrent loans to loans | 0.1132% | 3,358 |
| Net loans and leases to total assets | 51.1418% | 3,160 |
| Net loans and leases to deposits | 59.0400% | 3,163 |
| Net loans and leases to core deposits | 60.4719% | 3,286 |
| Total domestic deposits to total assets | 86.6222% | 2,657 |
| Equity capital to assets | 13.2509% | 836 |
| Core capital (leverage) ratio | 13.2313% | 747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,677,000 | 4,138 |
| Average earning assets | $84,182,000 | 4,078 |
| Average equity | $12,082,200 | 3,925 |
| Average total loans | $40,853,600 | 4,166 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2707% | 3,461 |
| Cost of funding earning assets | 0.2703% | 2,894 |
| Net interest margin | 3.0004% | 3,301 |
| Noninterest income to average assets | 0.0994% | 4,669 |
| Noninterest expense to average assets | 1.9160% | 3,904 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9766% | 2,999 |
| Return on assets (ROA) | 0.9766% | 3,079 |
| Pretax return on assets | 1.0962% | 3,204 |
| Return on Equity (ROE) | 6.9170% | 3,688 |
| Retained earnings to average equity (ytd only) | 5.7293% | 2,942 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6082% | 2,449 |
| Assets per employee ($millions) | 8.2534% | 1,153 |
| Cash dividends to net income (ytd only)* | 17.1701% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7744% | 977 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 44.8776% | 3,876 |
| Net loans and leases to deposits | 51.9800% | 3,886 |
| Net loans and leases to core deposits | 53.0902% | 3,972 |
| Total domestic deposits to total assets | 86.3361% | 2,620 |
| Equity capital to assets | 13.6011% | 824 |
| Core capital (leverage) ratio | 13.5821% | 718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,870,500 | 4,195 |
| Average earning assets | $83,364,250 | 4,140 |
| Average equity | $12,124,500 | 3,971 |
| Average total loans | $39,363,500 | 4,264 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6341% | 2,517 |
| Cost of funding earning assets | 0.2859% | 2,909 |
| Net interest margin | 3.3482% | 2,305 |
| Noninterest income to average assets | 0.1068% | 4,667 |
| Noninterest expense to average assets | 1.9541% | 3,828 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3059% | 1,851 |
| Return on assets (ROA) | 1.3059% | 1,921 |
| Pretax return on assets | 1.4056% | 2,322 |
| Return on Equity (ROE) | 9.1286% | 3,056 |
| Retained earnings to average equity (ytd only) | 7.3361% | 2,311 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1625% | 3,261 |
| Assets per employee ($millions) | 8.3119% | 1,075 |
| Cash dividends to net income (ytd only)* | 19.6364% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8922% | 745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 41.7364% | 4,194 |
| Net loans and leases to deposits | 48.2086% | 4,203 |
| Net loans and leases to core deposits | 49.3157% | 4,259 |
| Total domestic deposits to total assets | 86.5746% | 2,518 |
| Equity capital to assets | 13.3839% | 848 |
| Core capital (leverage) ratio | 14.2373% | 583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,231,667 | 4,240 |
| Average earning assets | $81,835,667 | 4,180 |
| Average equity | $12,050,000 | 3,981 |
| Average total loans | $38,658,333 | 4,308 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2579% | 1,103 |
| Cost of funding earning assets | 0.3019% | 2,975 |
| Net interest margin | 3.9560% | 902 |
| Noninterest income to average assets | 0.1141% | 4,619 |
| Noninterest expense to average assets | 2.0835% | 3,476 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8653% | 702 |
| Return on assets (ROA) | 1.8653% | 754 |
| Pretax return on assets | 1.8653% | 1,166 |
| Return on Equity (ROE) | 12.5789% | 1,801 |
| Retained earnings to average equity (ytd only) | 12.5789% | 1,008 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7638% | 3,933 |
| Assets per employee ($millions) | 7.5436% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7986% | 874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 48.4261% | 3,764 |
| Net loans and leases to deposits | 56.6858% | 3,738 |
| Net loans and leases to core deposits | 58.1391% | 3,823 |
| Total domestic deposits to total assets | 85.4290% | 2,952 |
| Equity capital to assets | 14.5035% | 569 |
| Core capital (leverage) ratio | 15.1755% | 453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,632,000 | 4,298 |
| Average earning assets | $78,160,000 | 4,244 |
| Average equity | $11,956,500 | 4,005 |
| Average total loans | $38,539,500 | 4,331 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2577% | 4,383 |
| Cost of funding earning assets | 0.4005% | 3,574 |
| Net interest margin | 2.8572% | 4,179 |
| Noninterest income to average assets | 0.1081% | 4,719 |
| Noninterest expense to average assets | 2.2569% | 3,518 |
| Loan and lease loss provision to assets | 0.0267% | 4,066 |
| Net operating income to assets | 0.5098% | 4,010 |
| Return on assets (ROA) | 0.5098% | 4,093 |
| Pretax return on assets | 0.5859% | 4,104 |
| Return on Equity (ROE) | 3.1964% | 4,325 |
| Retained earnings to average equity (ytd only) | 0.1841% | 4,464 |
| Net charge-offs to loans | -0.0083% | 4,220 |
| Credit loss provision to net charge-offs | -666.6667% | 3,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6512% | 985 |
| Assets per employee ($millions) | 7.8284% | 1,107 |
| Cash dividends to net income (ytd only)* | 94.2408% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0355% | 544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 45.2493% | 4,176 |
| Net loans and leases to deposits | 53.3833% | 4,143 |
| Net loans and leases to core deposits | 54.5330% | 4,236 |
| Total domestic deposits to total assets | 84.7632% | 2,848 |
| Equity capital to assets | 15.1730% | 545 |
| Core capital (leverage) ratio | 15.1907% | 481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,927,000 | 4,311 |
| Average earning assets | $72,412,400 | 4,263 |
| Average equity | $11,950,800 | 3,984 |
| Average total loans | $36,231,000 | 4,384 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3838% | 4,369 |
| Cost of funding earning assets | 0.4209% | 3,697 |
| Net interest margin | 2.9629% | 4,064 |
| Noninterest income to average assets | 0.1062% | 4,736 |
| Noninterest expense to average assets | 2.2423% | 3,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5885% | 3,802 |
| Return on assets (ROA) | 0.5885% | 3,902 |
| Pretax return on assets | 0.7270% | 3,838 |
| Return on Equity (ROE) | 3.6427% | 4,259 |
| Retained earnings to average equity (ytd only) | 2.4396% | 3,765 |
| Net charge-offs to loans | -0.0074% | 4,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5152% | 1,250 |
| Assets per employee ($millions) | 6.8805% | 1,578 |
| Cash dividends to net income (ytd only)* | 33.0275% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8688% | 621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 49.6056% | 4,113 |
| Net loans and leases to deposits | 59.0937% | 4,113 |
| Net loans and leases to core deposits | 60.1696% | 4,192 |
| Total domestic deposits to total assets | 83.9440% | 2,835 |
| Equity capital to assets | 15.9596% | 470 |
| Core capital (leverage) ratio | 15.9940% | 418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,087,750 | 4,331 |
| Average earning assets | $71,594,750 | 4,291 |
| Average equity | $11,969,000 | 3,984 |
| Average total loans | $36,249,000 | 4,411 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5548% | 4,344 |
| Cost of funding earning assets | 0.4447% | 3,821 |
| Net interest margin | 3.1101% | 3,880 |
| Noninterest income to average assets | 0.1060% | 4,759 |
| Noninterest expense to average assets | 2.3085% | 3,492 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6444% | 3,599 |
| Return on assets (ROA) | 0.6444% | 3,689 |
| Pretax return on assets | 0.8021% | 3,579 |
| Return on Equity (ROE) | 3.9724% | 4,114 |
| Retained earnings to average equity (ytd only) | 2.1622% | 3,693 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2133% | 1,441 |
| Assets per employee ($millions) | 6.9061% | 1,499 |
| Cash dividends to net income (ytd only)* | 45.5696% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9009% | 531 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 48.4355% | 4,238 |
| Net loans and leases to deposits | 57.5470% | 4,241 |
| Net loans and leases to core deposits | 58.5833% | 4,324 |
| Total domestic deposits to total assets | 84.1668% | 2,696 |
| Equity capital to assets | 15.7687% | 499 |
| Core capital (leverage) ratio | 16.0638% | 435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,555,333 | 4,344 |
| Average earning assets | $71,059,333 | 4,289 |
| Average equity | $11,932,333 | 3,991 |
| Average total loans | $35,579,000 | 4,440 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6555% | 4,464 |
| Cost of funding earning assets | 0.4756% | 4,045 |
| Net interest margin | 3.1800% | 3,910 |
| Noninterest income to average assets | 0.1272% | 4,728 |
| Noninterest expense to average assets | 2.3773% | 3,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6579% | 3,418 |
| Return on assets (ROA) | 0.6579% | 3,477 |
| Pretax return on assets | 0.8183% | 3,365 |
| Return on Equity (ROE) | 3.9970% | 3,952 |
| Retained earnings to average equity (ytd only) | 3.9970% | 2,682 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3945% | 1,766 |
| Assets per employee ($millions) | 6.6136% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0704% | 455 |
| 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 | 46.3574% | 4,407 |
| Net loans and leases to deposits | 55.5665% | 4,385 |
| Net loans and leases to core deposits | 56.9612% | 4,462 |
| Total domestic deposits to total assets | 83.4268% | 2,970 |
| Equity capital to assets | 16.4536% | 514 |
| Core capital (leverage) ratio | 16.6065% | 450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,349,500 | 4,370 |
| Average earning assets | $69,812,000 | 4,316 |
| Average equity | $11,909,000 | 4,007 |
| Average total loans | $34,614,500 | 4,481 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9307% | 4,377 |
| Cost of funding earning assets | 0.4560% | 4,249 |
| Net interest margin | 3.4746% | 3,525 |
| Noninterest income to average assets | 0.1298% | 4,818 |
| Noninterest expense to average assets | 2.2650% | 4,034 |
| Loan and lease loss provision to assets | 0.0488% | 3,046 |
| Net operating income to assets | 1.0048% | 2,830 |
| Return on assets (ROA) | 1.0048% | 2,918 |
| Pretax return on assets | 1.1653% | 2,966 |
| Return on Equity (ROE) | 6.1303% | 3,875 |
| Retained earnings to average equity (ytd only) | 2.9459% | 3,557 |
| Net charge-offs to loans | -0.0149% | 4,569 |
| Credit loss provision to net charge-offs | -700.0000% | 4,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1023% | 2,915 |
| Assets per employee ($millions) | 7.1949% | 976 |
| Cash dividends to net income (ytd only)* | 51.9444% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0494% | 427 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 4,486 |
| Noncurrent loans to loans | 0.0661% | 4,275 |
| Net loans and leases to total assets | 47.3641% | 4,462 |
| Net loans and leases to deposits | 56.7522% | 4,431 |
| Net loans and leases to core deposits | 58.1873% | 4,514 |
| Total domestic deposits to total assets | 83.4577% | 3,045 |
| Equity capital to assets | 16.4672% | 533 |
| Core capital (leverage) ratio | 16.1395% | 500 |
| Tier 1 risk-based capital ratio | 30.9170% | 444 |
| Total risk-based capital ratio | 32.1747% | 437 |
| Memoranda: | ||
| Average total assets | $71,656,000 | 4,403 |
| Average earning assets | $69,072,000 | 4,359 |
| Average equity | $11,745,000 | 4,030 |
| Average total loans | $33,449,800 | 4,567 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9479% | 4,463 |
| Cost of funding earning assets | 0.4468% | 4,340 |
| Net interest margin | 3.5011% | 3,560 |
| Noninterest income to average assets | 0.1341% | 4,861 |
| Noninterest expense to average assets | 2.1550% | 4,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1362% | 2,428 |
| Return on assets (ROA) | 1.1362% | 2,514 |
| Pretax return on assets | 1.3504% | 2,492 |
| Return on Equity (ROE) | 6.9399% | 3,701 |
| Retained earnings to average equity (ytd only) | 5.4382% | 2,651 |
| Net charge-offs to loans | -0.0161% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4772% | 3,410 |
| Assets per employee ($millions) | 7.0675% | 1,002 |
| Cash dividends to net income (ytd only)* | 21.6400% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0416% | 426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 46.0290% | 4,595 |
| Net loans and leases to deposits | 55.4758% | 4,571 |
| Net loans and leases to core deposits | 56.9052% | 4,655 |
| Total domestic deposits to total assets | 82.9713% | 3,178 |
| Equity capital to assets | 16.9494% | 489 |
| Core capital (leverage) ratio | 17.1094% | 428 |
| Tier 1 risk-based capital ratio | 34.9974% | 344 |
| Total risk-based capital ratio | 36.2564% | 339 |
| Memoranda: | ||
| Average total assets | $71,582,750 | 4,460 |
| Average earning assets | $68,929,250 | 4,417 |
| Average equity | $11,719,250 | 4,071 |
| Average total loans | $33,114,500 | 4,637 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9132% | 4,528 |
| Cost of funding earning assets | 0.4326% | 4,386 |
| Net interest margin | 3.4807% | 3,654 |
| Noninterest income to average assets | 0.1419% | 4,862 |
| Noninterest expense to average assets | 2.2425% | 4,141 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0433% | 2,756 |
| Return on assets (ROA) | 1.0433% | 2,826 |
| Pretax return on assets | 1.2576% | 2,719 |
| Return on Equity (ROE) | 6.4474% | 3,893 |
| Retained earnings to average equity (ytd only) | 4.1779% | 3,160 |
| Net charge-offs to loans | -0.0181% | 4,518 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0700% | 3,122 |
| Assets per employee ($millions) | 6.9865% | 1,004 |
| Cash dividends to net income (ytd only)* | 35.2000% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0192% | 461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 47.0207% | 4,600 |
| Net loans and leases to deposits | 56.5646% | 4,573 |
| Net loans and leases to core deposits | 58.0304% | 4,642 |
| Total domestic deposits to total assets | 83.1275% | 3,162 |
| Equity capital to assets | 16.8124% | 491 |
| Core capital (leverage) ratio | 16.5174% | 484 |
| Tier 1 risk-based capital ratio | 30.9929% | 453 |
| Total risk-based capital ratio | 32.2489% | 446 |
| Memoranda: | ||
| Average total assets | $71,885,330 | 4,489 |
| Average earning assets | $69,354,330 | 4,444 |
| Average equity | $11,632,670 | 4,095 |
| Average total loans | $33,083,000 | 4,672 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8691% | 4,607 |
| Cost of funding earning assets | 0.4148% | 4,425 |
| Net interest margin | 3.4544% | 3,737 |
| Noninterest income to average assets | 0.1152% | 5,027 |
| Noninterest expense to average assets | 2.2553% | 4,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9877% | 2,897 |
| Return on assets (ROA) | 0.9877% | 2,935 |
| Pretax return on assets | 1.1962% | 2,817 |
| Return on Equity (ROE) | 6.2198% | 3,948 |
| Retained earnings to average equity (ytd only) | 5.3905% | 2,741 |
| Net charge-offs to loans | -0.0243% | 4,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3418% | 3,034 |
| Assets per employee ($millions) | 7.2514% | 896 |
| Cash dividends to net income (ytd only)* | 13.3333% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1490% | 386 |
| 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 | 42.4484% | 4,814 |
| Net loans and leases to deposits | 50.6358% | 4,800 |
| Net loans and leases to core deposits | 51.8819% | 4,839 |
| Total domestic deposits to total assets | 83.8307% | 3,108 |
| Equity capital to assets | 16.0714% | 558 |
| Core capital (leverage) ratio | 16.1236% | 518 |
| Tier 1 risk-based capital ratio | 33.0349% | 383 |
| Total risk-based capital ratio | 34.2930% | 372 |
| Memoranda: | ||
| Average total assets | $72,895,500 | 4,523 |
| Average earning assets | $70,403,500 | 4,482 |
| Average equity | $11,576,000 | 4,118 |
| Average total loans | $32,860,500 | 4,730 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7793% | 4,536 |
| Cost of funding earning assets | 0.4116% | 3,916 |
| Net interest margin | 3.3676% | 4,082 |
| Noninterest income to average assets | 0.1474% | 4,976 |
| Noninterest expense to average assets | 2.0308% | 4,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1491% | 2,388 |
| Return on assets (ROA) | 1.1479% | 2,395 |
| Pretax return on assets | 1.3561% | 2,292 |
| Return on Equity (ROE) | 7.4756% | 3,667 |
| Retained earnings to average equity (ytd only) | 4.3057% | 3,181 |
| Net charge-offs to loans | -0.0125% | 4,556 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9362% | 3,871 |
| Assets per employee ($millions) | 7.3277% | 862 |
| Cash dividends to net income (ytd only)* | 42.4028% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9671% | 501 |
| 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 | 45.8398% | 4,744 |
| Net loans and leases to deposits | 54.4691% | 4,732 |
| Net loans and leases to core deposits | 55.7909% | 4,786 |
| Total domestic deposits to total assets | 84.1574% | 2,953 |
| Equity capital to assets | 15.6911% | 586 |
| Core capital (leverage) ratio | 15.7755% | 555 |
| Tier 1 risk-based capital ratio | 30.6738% | 445 |
| Total risk-based capital ratio | 31.9298% | 436 |
| Memoranda: | ||
| Average total assets | $73,959,600 | 4,528 |
| Average earning assets | $71,177,600 | 4,476 |
| Average equity | $11,357,000 | 4,108 |
| Average total loans | $32,044,800 | 4,768 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7279% | 4,599 |
| Cost of funding earning assets | 0.4113% | 3,781 |
| Net interest margin | 3.3166% | 4,234 |
| Noninterest income to average assets | 0.1547% | 5,004 |
| Noninterest expense to average assets | 1.8004% | 5,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3436% | 1,689 |
| Return on assets (ROA) | 1.3436% | 1,702 |
| Pretax return on assets | 1.5450% | 1,748 |
| Return on Equity (ROE) | 8.7970% | 3,192 |
| Retained earnings to average equity (ytd only) | 7.5252% | 1,875 |
| Net charge-offs to loans | -0.0085% | 4,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8172% | 4,624 |
| Assets per employee ($millions) | 7.3192% | 831 |
| Cash dividends to net income (ytd only)* | 14.4581% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1064% | 409 |
| 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 | 42.6057% | 4,928 |
| Net loans and leases to deposits | 50.7280% | 4,930 |
| Net loans and leases to core deposits | 51.9569% | 4,974 |
| Total domestic deposits to total assets | 83.9887% | 2,944 |
| Equity capital to assets | 15.9116% | 558 |
| Core capital (leverage) ratio | 15.8071% | 548 |
| Tier 1 risk-based capital ratio | 35.7761% | 306 |
| Total risk-based capital ratio | 37.0349% | 302 |
| Memoranda: | ||
| Average total assets | $74,130,250 | 4,574 |
| Average earning assets | $71,317,000 | 4,515 |
| Average equity | $11,321,750 | 4,151 |
| Average total loans | $31,490,000 | 4,835 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6810% | 4,625 |
| Cost of funding earning assets | 0.4096% | 3,655 |
| Net interest margin | 3.2714% | 4,329 |
| Noninterest income to average assets | 0.1290% | 5,162 |
| Noninterest expense to average assets | 1.8027% | 5,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2869% | 1,833 |
| Return on assets (ROA) | 1.2869% | 1,830 |
| Pretax return on assets | 1.4803% | 1,887 |
| Return on Equity (ROE) | 8.5431% | 3,239 |
| Retained earnings to average equity (ytd only) | 6.6169% | 2,252 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9100% | 4,590 |
| Assets per employee ($millions) | 7.5722% | 745 |
| Cash dividends to net income (ytd only)* | 22.5470% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2396% | 348 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 38.6229% | 5,109 |
| Net loans and leases to deposits | 45.5049% | 5,112 |
| Net loans and leases to core deposits | 46.5842% | 5,133 |
| Total domestic deposits to total assets | 84.8763% | 2,715 |
| Equity capital to assets | 15.0273% | 679 |
| Core capital (leverage) ratio | 15.0674% | 655 |
| Tier 1 risk-based capital ratio | 36.8909% | 278 |
| Total risk-based capital ratio | 38.1512% | 276 |
| Memoranda: | ||
| Average total assets | $74,443,000 | 4,621 |
| Average earning assets | $71,773,000 | 4,556 |
| Average equity | $11,213,670 | 4,202 |
| Average total loans | $31,368,330 | 4,890 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6774% | 4,516 |
| Cost of funding earning assets | 0.3992% | 3,594 |
| Net interest margin | 3.2781% | 4,242 |
| Noninterest income to average assets | 0.1192% | 5,255 |
| Noninterest expense to average assets | 1.7614% | 5,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3224% | 1,572 |
| Return on assets (ROA) | 1.3224% | 1,576 |
| Pretax return on assets | 1.5175% | 1,637 |
| Return on Equity (ROE) | 8.7683% | 3,019 |
| Retained earnings to average equity (ytd only) | 8.7683% | 1,547 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7190% | 4,823 |
| Assets per employee ($millions) | 7.4795% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1677% | 411 |
| Loan loss allowance to noncurrent loans | 917.8082% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 4,599 |
| Noncurrent loans to loans | 0.2362% | 3,928 |
| Net loans and leases to total assets | 40.4278% | 5,053 |
| Net loans and leases to deposits | 47.6669% | 5,049 |
| Net loans and leases to core deposits | 49.3062% | 5,060 |
| Total domestic deposits to total assets | 84.8132% | 3,003 |
| Equity capital to assets | 15.0424% | 661 |
| Core capital (leverage) ratio | 15.4060% | 570 |
| Tier 1 risk-based capital ratio | 32.9471% | 376 |
| Total risk-based capital ratio | 34.2054% | 371 |
| Memoranda: | ||
| Average total assets | $73,803,500 | 4,677 |
| Average earning assets | $71,138,000 | 4,614 |
| Average equity | $11,131,000 | 4,260 |
| Average total loans | $32,094,500 | 4,916 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6554% | 4,440 |
| Cost of funding earning assets | 0.3869% | 3,372 |
| Net interest margin | 3.2685% | 4,260 |
| Noninterest income to average assets | 0.1242% | 5,322 |
| Noninterest expense to average assets | 2.1843% | 4,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9857% | 2,306 |
| Return on assets (ROA) | 0.9857% | 2,340 |
| Pretax return on assets | 1.1004% | 3,182 |
| Return on Equity (ROE) | 6.6192% | 3,471 |
| Retained earnings to average equity (ytd only) | 3.3830% | 3,260 |
| Net charge-offs to loans | -0.0157% | 4,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5004% | 3,171 |
| Assets per employee ($millions) | 7.2812% | 853 |
| Cash dividends to net income (ytd only)* | 48.8920% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0132% | 528 |
| 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 | 44.7879% | 4,942 |
| Net loans and leases to deposits | 52.8353% | 4,939 |
| Net loans and leases to core deposits | 54.8508% | 4,971 |
| Total domestic deposits to total assets | 84.7690% | 2,922 |
| Equity capital to assets | 15.1225% | 656 |
| Core capital (leverage) ratio | 14.9710% | 627 |
| Tier 1 risk-based capital ratio | 30.0995% | 459 |
| Total risk-based capital ratio | 31.3566% | 455 |
| Memoranda: | ||
| Average total assets | $73,248,800 | 4,718 |
| Average earning assets | $70,826,600 | 4,652 |
| Average equity | $10,907,600 | 4,316 |
| Average total loans | $31,933,600 | 4,971 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6051% | 4,544 |
| Cost of funding earning assets | 0.3755% | 3,417 |
| Net interest margin | 3.2296% | 4,387 |
| Noninterest income to average assets | 0.1254% | 5,376 |
| Noninterest expense to average assets | 1.9193% | 5,110 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0978% | 2,101 |
| Return on assets (ROA) | 1.0978% | 2,152 |
| Pretax return on assets | 1.3322% | 2,354 |
| Return on Equity (ROE) | 7.4006% | 3,446 |
| Retained earnings to average equity (ytd only) | 6.0773% | 2,183 |
| Net charge-offs to loans | -0.0127% | 4,706 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0274% | 4,350 |
| Assets per employee ($millions) | 7.3385% | 814 |
| Cash dividends to net income (ytd only)* | 17.8813% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0353% | 542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 43.8141% | 5,039 |
| Net loans and leases to deposits | 51.7653% | 5,060 |
| Net loans and leases to core deposits | 53.4352% | 5,086 |
| Total domestic deposits to total assets | 84.6399% | 2,866 |
| Equity capital to assets | 15.1775% | 694 |
| Core capital (leverage) ratio | 15.1474% | 633 |
| Tier 1 risk-based capital ratio | 27.3077% | 605 |
| Total risk-based capital ratio | 28.5630% | 594 |
| Memoranda: | ||
| Average total assets | $73,358,000 | 4,768 |
| Average earning assets | $71,008,000 | 4,694 |
| Average equity | $10,881,750 | 4,363 |
| Average total loans | $31,596,750 | 5,028 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5554% | 4,619 |
| Cost of funding earning assets | 0.3603% | 3,478 |
| Net interest margin | 3.1951% | 4,435 |
| Noninterest income to average assets | 0.1200% | 5,452 |
| Noninterest expense to average assets | 1.9550% | 5,071 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0143% | 2,358 |
| Return on assets (ROA) | 1.0143% | 2,397 |
| Pretax return on assets | 1.2597% | 2,534 |
| Return on Equity (ROE) | 6.8912% | 3,613 |
| Retained earnings to average equity (ytd only) | 4.8906% | 2,783 |
| Net charge-offs to loans | -0.0128% | 4,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8142% | 4,193 |
| Assets per employee ($millions) | 6.6995% | 1,054 |
| Cash dividends to net income (ytd only)* | 29.0323% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1245% | 488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 41.6975% | 5,158 |
| Net loans and leases to deposits | 49.0432% | 5,175 |
| Net loans and leases to core deposits | 50.2141% | 5,215 |
| Total domestic deposits to total assets | 85.0221% | 2,796 |
| Equity capital to assets | 14.8002% | 740 |
| Core capital (leverage) ratio | 14.8526% | 668 |
| Tier 1 risk-based capital ratio | 27.9825% | 550 |
| Total risk-based capital ratio | 29.2370% | 541 |
| Memoranda: | ||
| Average total assets | $73,349,000 | 4,796 |
| Average earning assets | $71,046,330 | 4,725 |
| Average equity | $10,796,330 | 4,391 |
| Average total loans | $31,188,670 | 5,072 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5337% | 4,592 |
| Cost of funding earning assets | 0.3269% | 3,784 |
| Net interest margin | 3.2069% | 4,319 |
| Noninterest income to average assets | 0.1203% | 5,511 |
| Noninterest expense to average assets | 1.9023% | 5,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0823% | 1,940 |
| Return on assets (ROA) | 1.0823% | 1,982 |
| Pretax return on assets | 1.3283% | 2,145 |
| Return on Equity (ROE) | 7.3736% | 3,222 |
| Retained earnings to average equity (ytd only) | 7.3736% | 1,704 |
| Net charge-offs to loans | -0.0257% | 4,863 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8832% | 4,607 |
| Assets per employee ($millions) | 6.7575% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1579% | 502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 40.6239% | 5,222 |
| Net loans and leases to deposits | 47.7046% | 5,236 |
| Net loans and leases to core deposits | 48.8151% | 5,267 |
| Total domestic deposits to total assets | 85.1573% | 3,022 |
| Equity capital to assets | 14.5817% | 736 |
| Core capital (leverage) ratio | 14.7263% | 660 |
| Tier 1 risk-based capital ratio | 28.6754% | 522 |
| Total risk-based capital ratio | 29.9320% | 513 |
| Memoranda: | ||
| Average total assets | $73,176,000 | 4,850 |
| Average earning assets | $70,973,000 | 4,766 |
| Average equity | $10,741,000 | 4,430 |
| Average total loans | $31,085,000 | 5,124 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5869% | 4,543 |
| Cost of funding earning assets | 0.3508% | 3,507 |
| Net interest margin | 3.2361% | 4,342 |
| Noninterest income to average assets | 0.1349% | 5,511 |
| Noninterest expense to average assets | 2.2239% | 4,719 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7955% | 3,326 |
| Return on assets (ROA) | 0.7955% | 3,425 |
| Pretax return on assets | 1.0542% | 3,283 |
| Return on Equity (ROE) | 5.3736% | 4,244 |
| Retained earnings to average equity (ytd only) | 2.0574% | 4,369 |
| Net charge-offs to loans | -0.1119% | 5,621 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8405% | 3,270 |
| Assets per employee ($millions) | 6.5472% | 1,130 |
| Cash dividends to net income (ytd only)* | 61.7133% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1241% | 527 |
| 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 | 42.5471% | 5,207 |
| Net loans and leases to deposits | 50.0760% | 5,210 |
| Net loans and leases to core deposits | 51.4378% | 5,250 |
| Total domestic deposits to total assets | 84.9651% | 3,066 |
| Equity capital to assets | 14.7780% | 676 |
| Core capital (leverage) ratio | 14.5424% | 687 |
| Tier 1 risk-based capital ratio | 27.9461% | 569 |
| Total risk-based capital ratio | 29.2012% | 560 |
| Memoranda: | ||
| Average total assets | $71,902,000 | 4,892 |
| Average earning assets | $69,837,600 | 4,809 |
| Average equity | $10,644,600 | 4,471 |
| Average total loans | $30,385,800 | 5,176 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4992% | 4,800 |
| Cost of funding earning assets | 0.3513% | 3,523 |
| Net interest margin | 3.1479% | 4,650 |
| Noninterest income to average assets | 0.1391% | 5,562 |
| Noninterest expense to average assets | 1.9404% | 5,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0574% | 2,167 |
| Return on assets (ROA) | 1.0574% | 2,289 |
| Pretax return on assets | 1.2578% | 2,589 |
| Return on Equity (ROE) | 7.1393% | 3,482 |
| Retained earnings to average equity (ytd only) | 5.7866% | 2,309 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6729% | 4,446 |
| Assets per employee ($millions) | 6.5385% | 1,079 |
| Cash dividends to net income (ytd only)* | 18.9479% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9842% | 743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 43.3394% | 5,234 |
| Net loans and leases to deposits | 51.1873% | 5,245 |
| Net loans and leases to core deposits | 52.5605% | 5,289 |
| Total domestic deposits to total assets | 84.6683% | 2,960 |
| Equity capital to assets | 15.1398% | 705 |
| Core capital (leverage) ratio | 15.0353% | 623 |
| Tier 1 risk-based capital ratio | 28.2839% | 567 |
| Total risk-based capital ratio | 29.5384% | 552 |
| Memoranda: | ||
| Average total assets | $71,872,750 | 4,934 |
| Average earning assets | $69,843,750 | 4,849 |
| Average equity | $10,645,000 | 4,510 |
| Average total loans | $30,155,500 | 5,232 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4213% | 5,035 |
| Cost of funding earning assets | 0.3490% | 3,584 |
| Net interest margin | 3.0723% | 4,909 |
| Noninterest income to average assets | 0.1364% | 5,625 |
| Noninterest expense to average assets | 1.9790% | 5,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9463% | 2,637 |
| Return on assets (ROA) | 0.9463% | 2,784 |
| Pretax return on assets | 1.1467% | 2,994 |
| Return on Equity (ROE) | 6.4372% | 3,832 |
| Retained earnings to average equity (ytd only) | 4.3924% | 3,120 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3126% | 4,133 |
| Assets per employee ($millions) | 6.0040% | 1,399 |
| Cash dividends to net income (ytd only)* | 31.7647% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0801% | 635 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 41.2281% | 5,371 |
| Net loans and leases to deposits | 48.4805% | 5,405 |
| Net loans and leases to core deposits | 49.7646% | 5,444 |
| Total domestic deposits to total assets | 85.0405% | 2,859 |
| Equity capital to assets | 14.7943% | 786 |
| Core capital (leverage) ratio | 14.7750% | 650 |
| Tier 1 risk-based capital ratio | 29.5689% | 517 |
| Total risk-based capital ratio | 30.8256% | 510 |
| Memoranda: | ||
| Average total assets | $71,856,000 | 4,982 |
| Average earning assets | $69,914,330 | 4,887 |
| Average equity | $10,563,670 | 4,552 |
| Average total loans | $29,606,670 | 5,308 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3959% | 5,139 |
| Cost of funding earning assets | 0.3499% | 3,597 |
| Net interest margin | 3.0460% | 5,014 |
| Noninterest income to average assets | 0.1338% | 5,674 |
| Noninterest expense to average assets | 1.8841% | 5,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0089% | 2,235 |
| Return on assets (ROA) | 1.0089% | 2,351 |
| Pretax return on assets | 1.2096% | 2,661 |
| Return on Equity (ROE) | 6.8847% | 3,518 |
| Retained earnings to average equity (ytd only) | 6.8847% | 1,943 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9009% | 4,614 |
| Assets per employee ($millions) | 6.5731% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1371% | 643 |
| Loan loss allowance to noncurrent loans | 1,971.8750% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 5,446 |
| Noncurrent loans to loans | 0.1084% | 5,044 |
| Net loans and leases to total assets | 39.9632% | 5,453 |
| Net loans and leases to deposits | 46.9669% | 5,465 |
| Net loans and leases to core deposits | 48.1905% | 5,509 |
| Total domestic deposits to total assets | 85.0880% | 3,096 |
| Equity capital to assets | 14.6700% | 783 |
| Core capital (leverage) ratio | 14.6791% | 669 |
| Tier 1 risk-based capital ratio | 33.1946% | 388 |
| Total risk-based capital ratio | 34.4527% | 381 |
| Memoranda: | ||
| Average total assets | $71,760,000 | 5,035 |
| Average earning assets | $69,731,000 | 4,933 |
| Average equity | $10,516,000 | 4,579 |
| Average total loans | $29,242,500 | 5,366 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3271% | 5,301 |
| Cost of funding earning assets | 0.3615% | 3,564 |
| Net interest margin | 2.9656% | 5,215 |
| Noninterest income to average assets | 0.1209% | 5,803 |
| Noninterest expense to average assets | 2.0441% | 5,367 |
| Loan and lease loss provision to assets | 0.0124% | 4,159 |
| Net operating income to assets | 0.7405% | 3,616 |
| Return on assets (ROA) | 0.7405% | 3,715 |
| Pretax return on assets | 0.9383% | 3,699 |
| Return on Equity (ROE) | 5.1592% | 4,424 |
| Retained earnings to average equity (ytd only) | 1.8282% | 4,684 |
| Net charge-offs to loans | 0.0308% | 3,603 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 76.8889% | 724 |
| Efficiency ratio | 68.2569% | 3,519 |
| Assets per employee ($millions) | 6.4742% | 1,110 |
| Cash dividends to net income (ytd only)* | 64.5640% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1789% | 613 |
| 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 | 39.7776% | 5,528 |
| Net loans and leases to deposits | 46.7143% | 5,531 |
| Net loans and leases to core deposits | 47.9421% | 5,566 |
| Total domestic deposits to total assets | 85.1508% | 3,017 |
| Equity capital to assets | 14.6386% | 745 |
| Core capital (leverage) ratio | 14.4912% | 716 |
| Tier 1 risk-based capital ratio | 32.8740% | 401 |
| Total risk-based capital ratio | 34.1322% | 390 |
| Memoranda: | ||
| Average total assets | $72,793,200 | 5,020 |
| Average earning assets | $70,542,000 | 4,922 |
| Average equity | $10,447,400 | 4,578 |
| Average total loans | $29,177,400 | 5,394 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3138% | 5,380 |
| Cost of funding earning assets | 0.3611% | 3,641 |
| Net interest margin | 2.9527% | 5,298 |
| Noninterest income to average assets | 0.1330% | 5,820 |
| Noninterest expense to average assets | 1.7926% | 5,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0038% | 2,450 |
| Return on assets (ROA) | 1.0038% | 2,545 |
| Pretax return on assets | 1.2005% | 2,820 |
| Return on Equity (ROE) | 7.0281% | 3,599 |
| Retained earnings to average equity (ytd only) | 5.6505% | 2,484 |
| Net charge-offs to loans | 0.0411% | 3,064 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 73.2200% | 792 |
| Efficiency ratio | 59.8904% | 4,907 |
| Assets per employee ($millions) | 6.4855% | 1,077 |
| Cash dividends to net income (ytd only)* | 19.6012% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1691% | 699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 39.3244% | 5,631 |
| Net loans and leases to deposits | 46.3572% | 5,635 |
| Net loans and leases to core deposits | 47.5500% | 5,670 |
| Total domestic deposits to total assets | 84.8290% | 3,085 |
| Equity capital to assets | 14.9720% | 742 |
| Core capital (leverage) ratio | 14.7024% | 697 |
| Tier 1 risk-based capital ratio | 30.9048% | 472 |
| Total risk-based capital ratio | 32.1605% | 469 |
| Memoranda: | ||
| Average total assets | $73,187,500 | 5,071 |
| Average earning assets | $70,893,250 | 4,974 |
| Average equity | $10,453,000 | 4,628 |
| Average total loans | $29,232,000 | 5,454 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2909% | 5,455 |
| Cost of funding earning assets | 0.3607% | 3,692 |
| Net interest margin | 2.9302% | 5,386 |
| Noninterest income to average assets | 0.1274% | 5,914 |
| Noninterest expense to average assets | 1.8129% | 5,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9593% | 2,591 |
| Return on assets (ROA) | 0.9593% | 2,702 |
| Pretax return on assets | 1.1544% | 2,955 |
| Return on Equity (ROE) | 6.8228% | 3,719 |
| Retained earnings to average equity (ytd only) | 4.7413% | 3,030 |
| Net charge-offs to loans | 0.0612% | 2,505 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 47.3333% | 997 |
| Efficiency ratio | 61.0959% | 4,813 |
| Assets per employee ($millions) | 6.7121% | 959 |
| Cash dividends to net income (ytd only)* | 30.5085% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1488% | 795 |
| 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 | 38.3622% | 5,722 |
| Net loans and leases to deposits | 44.8016% | 5,732 |
| Net loans and leases to core deposits | 45.8904% | 5,772 |
| Total domestic deposits to total assets | 85.6270% | 2,867 |
| Equity capital to assets | 14.1928% | 916 |
| Core capital (leverage) ratio | 14.3054% | 760 |
| Tier 1 risk-based capital ratio | 30.6466% | 509 |
| Total risk-based capital ratio | 31.9042% | 502 |
| Memoranda: | ||
| Average total assets | $73,803,330 | 5,109 |
| Average earning assets | $71,530,000 | 5,010 |
| Average equity | $10,377,000 | 4,673 |
| Average total loans | $29,417,330 | 5,495 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3482% | 5,333 |
| Cost of funding earning assets | 0.3645% | 3,701 |
| Net interest margin | 2.9837% | 5,261 |
| Noninterest income to average assets | 0.1301% | 5,949 |
| Noninterest expense to average assets | 1.8214% | 5,871 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9974% | 2,282 |
| Return on assets (ROA) | 0.9974% | 2,411 |
| Pretax return on assets | 1.1926% | 2,698 |
| Return on Equity (ROE) | 7.1276% | 3,438 |
| Retained earnings to average equity (ytd only) | 7.1276% | 1,959 |
| Net charge-offs to loans | 0.1214% | 1,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 24.4444% | 1,294 |
| Efficiency ratio | 60.4317% | 5,036 |
| Assets per employee ($millions) | 6.2303% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1200% | 898 |
| 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 | 38.4102% | 5,703 |
| Net loans and leases to deposits | 44.7577% | 5,723 |
| Net loans and leases to core deposits | 45.8145% | 5,766 |
| Total domestic deposits to total assets | 85.8180% | 3,033 |
| Equity capital to assets | 13.9345% | 1,005 |
| Core capital (leverage) ratio | 14.3142% | 734 |
| Tier 1 risk-based capital ratio | 29.2854% | 580 |
| Total risk-based capital ratio | 30.5420% | 567 |
| Memoranda: | ||
| Average total assets | $73,788,500 | 5,156 |
| Average earning assets | $71,322,000 | 5,060 |
| Average equity | $10,326,000 | 4,717 |
| Average total loans | $29,653,000 | 5,527 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3460% | 5,630 |
| Cost of funding earning assets | 0.4028% | 3,662 |
| Net interest margin | 2.9432% | 5,560 |
| Noninterest income to average assets | 0.2398% | 5,411 |
| Noninterest expense to average assets | 2.0355% | 5,709 |
| Loan and lease loss provision to assets | 0.0209% | 4,198 |
| Net operating income to assets | 0.8309% | 3,218 |
| Return on assets (ROA) | 0.8309% | 3,310 |
| Pretax return on assets | 1.0359% | 3,367 |
| Return on Equity (ROE) | 5.8303% | 4,239 |
| Retained earnings to average equity (ytd only) | 2.2402% | 4,650 |
| Net charge-offs to loans | -0.4469% | 6,381 |
| Credit loss provision to net charge-offs | -11.6279% | 5,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8251% | 4,282 |
| Assets per employee ($millions) | 6.6194% | 997 |
| Cash dividends to net income (ytd only)* | 61.5772% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1056% | 943 |
| 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 | 40.2895% | 5,723 |
| Net loans and leases to deposits | 47.0098% | 5,743 |
| Net loans and leases to core deposits | 48.1447% | 5,807 |
| Total domestic deposits to total assets | 85.7045% | 2,981 |
| Equity capital to assets | 14.0552% | 936 |
| Core capital (leverage) ratio | 14.1616% | 775 |
| Tier 1 risk-based capital ratio | 27.0019% | 685 |
| Total risk-based capital ratio | 28.2578% | 666 |
| Memoranda: | ||
| Average total assets | $71,728,200 | 5,238 |
| Average earning assets | $69,515,000 | 5,133 |
| Average equity | $10,222,400 | 4,703 |
| Average total loans | $28,868,200 | 5,612 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3175% | 5,736 |
| Cost of funding earning assets | 0.4082% | 3,700 |
| Net interest margin | 2.9093% | 5,682 |
| Noninterest income to average assets | 0.0616% | 6,355 |
| Noninterest expense to average assets | 1.6270% | 6,266 |
| Loan and lease loss provision to assets | 0.0149% | 4,115 |
| Net operating income to assets | 1.0318% | 2,315 |
| Return on assets (ROA) | 1.0318% | 2,373 |
| Pretax return on assets | 1.2389% | 2,620 |
| Return on Equity (ROE) | 7.2147% | 3,599 |
| Retained earnings to average equity (ytd only) | 5.5579% | 2,704 |
| Net charge-offs to loans | -0.3171% | 6,403 |
| Credit loss provision to net charge-offs | -11.7647% | 5,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4767% | 5,617 |
| Assets per employee ($millions) | 6.5808% | 977 |
| Cash dividends to net income (ytd only)* | 22.9659% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8952% | 1,460 |
| 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 | 40.2603% | 5,797 |
| Net loans and leases to deposits | 47.1685% | 5,813 |
| Net loans and leases to core deposits | 48.3076% | 5,873 |
| Total domestic deposits to total assets | 85.3541% | 3,185 |
| Equity capital to assets | 14.4083% | 874 |
| Core capital (leverage) ratio | 14.3518% | 757 |
| Tier 1 risk-based capital ratio | 27.8572% | 650 |
| Total risk-based capital ratio | 29.1098% | 636 |
| Memoranda: | ||
| Average total assets | $71,457,000 | 5,301 |
| Average earning assets | $69,247,250 | 5,199 |
| Average equity | $10,219,500 | 4,741 |
| Average total loans | $28,593,500 | 5,678 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2730% | 5,838 |
| Cost of funding earning assets | 0.4149% | 3,705 |
| Net interest margin | 2.8581% | 5,803 |
| Noninterest income to average assets | 0.0590% | 6,417 |
| Noninterest expense to average assets | 1.5967% | 6,360 |
| Loan and lease loss provision to assets | 0.0225% | 3,830 |
| Net operating income to assets | 0.9979% | 2,330 |
| Return on assets (ROA) | 0.9979% | 2,399 |
| Pretax return on assets | 1.2088% | 2,638 |
| Return on Equity (ROE) | 6.9955% | 3,625 |
| Retained earnings to average equity (ytd only) | 4.8673% | 3,039 |
| Net charge-offs to loans | -0.2339% | 6,377 |
| Credit loss provision to net charge-offs | -24.2424% | 5,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4612% | 5,696 |
| Assets per employee ($millions) | 6.7025% | 922 |
| Cash dividends to net income (ytd only)* | 30.4225% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8613% | 1,675 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 37.6872% | 5,976 |
| Net loans and leases to deposits | 43.8722% | 5,991 |
| Net loans and leases to core deposits | 44.8929% | 6,036 |
| Total domestic deposits to total assets | 85.9022% | 3,095 |
| Equity capital to assets | 13.9052% | 1,011 |
| Core capital (leverage) ratio | 14.1680% | 780 |
| Tier 1 risk-based capital ratio | 27.7824% | 657 |
| Total risk-based capital ratio | 29.0344% | 642 |
| Memoranda: | ||
| Average total assets | $71,146,330 | 5,355 |
| Average earning assets | $68,926,670 | 5,248 |
| Average equity | $10,149,330 | 4,768 |
| Average total loans | $28,222,330 | 5,735 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3341% | 5,785 |
| Cost of funding earning assets | 0.4256% | 3,689 |
| Net interest margin | 2.9084% | 5,734 |
| Noninterest income to average assets | 0.0630% | 6,451 |
| Noninterest expense to average assets | 1.5460% | 6,461 |
| Loan and lease loss provision to assets | 0.0458% | 3,183 |
| Net operating income to assets | 1.0651% | 1,951 |
| Return on assets (ROA) | 1.0651% | 2,020 |
| Pretax return on assets | 1.2884% | 2,135 |
| Return on Equity (ROE) | 7.3678% | 3,275 |
| Retained earnings to average equity (ytd only) | 7.3678% | 1,869 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6779% | 6,042 |
| Assets per employee ($millions) | 6.5696% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8252% | 1,968 |
| 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 | 36.7683% | 6,031 |
| Net loans and leases to deposits | 42.9465% | 6,026 |
| Net loans and leases to core deposits | 43.9568% | 6,077 |
| Total domestic deposits to total assets | 85.6143% | 3,552 |
| Equity capital to assets | 14.1021% | 888 |
| Core capital (leverage) ratio | 14.6623% | 661 |
| Tier 1 risk-based capital ratio | 29.0185% | 573 |
| Total risk-based capital ratio | 30.2714% | 561 |
| Memoranda: | ||
| Average total assets | $69,855,500 | 5,451 |
| Average earning assets | $67,665,000 | 5,328 |
| Average equity | $10,098,000 | 4,796 |
| Average total loans | $28,177,000 | 5,788 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4267% | 5,781 |
| Cost of funding earning assets | 0.4842% | 3,771 |
| Net interest margin | 2.9426% | 5,700 |
| Noninterest income to average assets | 0.0590% | 6,521 |
| Noninterest expense to average assets | 1.8230% | 6,284 |
| Loan and lease loss provision to assets | 0.0432% | 4,261 |
| Net operating income to assets | 0.8014% | 3,285 |
| Return on assets (ROA) | 0.8014% | 3,386 |
| Pretax return on assets | 1.0172% | 3,282 |
| Return on Equity (ROE) | 5.5572% | 4,359 |
| Retained earnings to average equity (ytd only) | 1.5065% | 5,141 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2236% | 5,021 |
| Assets per employee ($millions) | 6.7445% | 875 |
| Cash dividends to net income (ytd only)* | 72.8905% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6627% | 2,527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 42.7044% | 5,776 |
| Net loans and leases to deposits | 50.2881% | 5,746 |
| Net loans and leases to core deposits | 51.5601% | 5,829 |
| Total domestic deposits to total assets | 84.9196% | 3,785 |
| Equity capital to assets | 14.8343% | 703 |
| Core capital (leverage) ratio | 14.5506% | 678 |
| Tier 1 risk-based capital ratio | 27.8629% | 618 |
| Total risk-based capital ratio | 29.1133% | 599 |
| Memoranda: | ||
| Average total assets | $69,502,600 | 5,496 |
| Average earning assets | $66,710,600 | 5,382 |
| Average equity | $10,023,000 | 4,843 |
| Average total loans | $27,700,200 | 5,863 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3528% | 5,972 |
| Cost of funding earning assets | 0.4929% | 3,846 |
| Net interest margin | 2.8599% | 5,895 |
| Noninterest income to average assets | 0.0590% | 6,605 |
| Noninterest expense to average assets | 1.5881% | 6,567 |
| Loan and lease loss provision to assets | 0.0286% | 4,436 |
| Net operating income to assets | 0.9769% | 2,480 |
| Return on assets (ROA) | 0.9769% | 2,584 |
| Pretax return on assets | 1.1825% | 2,773 |
| Return on Equity (ROE) | 6.8210% | 3,755 |
| Retained earnings to average equity (ytd only) | 4.6139% | 3,387 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7347% | 5,831 |
| Assets per employee ($millions) | 6.9187% | 780 |
| Cash dividends to net income (ytd only)* | 32.3591% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6392% | 2,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 40.9369% | 5,967 |
| Net loans and leases to deposits | 48.1520% | 5,955 |
| Net loans and leases to core deposits | 49.3149% | 6,050 |
| Total domestic deposits to total assets | 85.0160% | 3,741 |
| Equity capital to assets | 14.7455% | 764 |
| Core capital (leverage) ratio | 14.7481% | 684 |
| Tier 1 risk-based capital ratio | 28.5694% | 586 |
| Total risk-based capital ratio | 29.8213% | 573 |
| Memoranda: | ||
| Average total assets | $70,017,000 | 5,529 |
| Average earning assets | $67,086,750 | 5,429 |
| Average equity | $10,027,500 | 4,897 |
| Average total loans | $27,303,000 | 5,933 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2919% | 6,099 |
| Cost of funding earning assets | 0.5069% | 3,837 |
| Net interest margin | 2.7850% | 6,036 |
| Noninterest income to average assets | 0.0597% | 6,640 |
| Noninterest expense to average assets | 1.5677% | 6,618 |
| Loan and lease loss provision to assets | 0.0427% | 4,105 |
| Net operating income to assets | 0.9019% | 2,782 |
| Return on assets (ROA) | 0.9019% | 2,927 |
| Pretax return on assets | 1.1068% | 3,070 |
| Return on Equity (ROE) | 6.3595% | 3,961 |
| Retained earnings to average equity (ytd only) | 3.8117% | 3,874 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6963% | 5,779 |
| Assets per employee ($millions) | 6.2674% | 1,035 |
| Cash dividends to net income (ytd only)* | 40.0631% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7291% | 2,675 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 38.9101% | 6,118 |
| Net loans and leases to deposits | 45.6588% | 6,129 |
| Net loans and leases to core deposits | 46.7489% | 6,197 |
| Total domestic deposits to total assets | 85.2192% | 3,784 |
| Equity capital to assets | 14.5675% | 806 |
| Core capital (leverage) ratio | 14.3527% | 735 |
| Tier 1 risk-based capital ratio | 29.3252% | 556 |
| Total risk-based capital ratio | 30.5779% | 548 |
| Memoranda: | ||
| Average total assets | $70,293,670 | 5,560 |
| Average earning assets | $67,073,670 | 5,472 |
| Average equity | $9,969,330 | 4,947 |
| Average total loans | $26,805,670 | 5,987 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2528% | 6,235 |
| Cost of funding earning assets | 0.5117% | 3,953 |
| Net interest margin | 2.7411% | 6,145 |
| Noninterest income to average assets | 0.0564% | 6,712 |
| Noninterest expense to average assets | 1.4880% | 6,753 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9920% | 2,256 |
| Return on assets (ROA) | 0.9920% | 2,376 |
| Pretax return on assets | 1.1949% | 2,594 |
| Return on Equity (ROE) | 7.0878% | 3,448 |
| Retained earnings to average equity (ytd only) | 6.3227% | 2,493 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4622% | 6,112 |
| Assets per employee ($millions) | 6.5298% | 973 |
| Cash dividends to net income (ytd only)* | 10.7955% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7435% | 2,822 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 35.8565% | 6,304 |
| Net loans and leases to deposits | 41.7443% | 6,335 |
| Net loans and leases to core deposits | 42.6959% | 6,376 |
| Total domestic deposits to total assets | 85.8955% | 3,583 |
| Equity capital to assets | 13.9375% | 1,048 |
| Core capital (leverage) ratio | 14.1919% | 750 |
| Tier 1 risk-based capital ratio | 29.7362% | 544 |
| Total risk-based capital ratio | 30.9868% | 536 |
| Memoranda: | ||
| Average total assets | $70,970,000 | 5,596 |
| Average earning assets | $68,002,500 | 5,495 |
| Average equity | $9,932,500 | 4,998 |
| Average total loans | $26,560,000 | 6,043 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6524% | 6,131 |
| Cost of funding earning assets | 0.6358% | 4,039 |
| Net interest margin | 3.0166% | 6,016 |
| Noninterest income to average assets | 0.0708% | 6,617 |
| Noninterest expense to average assets | 1.8944% | 6,500 |
| Loan and lease loss provision to assets | 0.0442% | 5,297 |
| Net operating income to assets | 0.8005% | 3,285 |
| Return on assets (ROA) | 0.8005% | 3,537 |
| Pretax return on assets | 1.0069% | 3,525 |
| Return on Equity (ROE) | 5.5222% | 4,416 |
| Retained earnings to average equity (ytd only) | 2.1560% | 4,716 |
| Net charge-offs to loans | 0.1482% | 4,210 |
| Credit loss provision to net charge-offs | 75.0000% | 4,004 |
| Earnings coverage of net charge-offs (x) | 17.8250% | 1,481 |
| Efficiency ratio | 64.3143% | 4,830 |
| Assets per employee ($millions) | 5.8427% | 1,399 |
| Cash dividends to net income (ytd only)* | 60.9576% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6984% | 2,940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 37.7268% | 6,325 |
| Net loans and leases to deposits | 43.9736% | 6,370 |
| Net loans and leases to core deposits | 44.9962% | 6,420 |
| Total domestic deposits to total assets | 85.7942% | 3,460 |
| Equity capital to assets | 14.0547% | 1,028 |
| Core capital (leverage) ratio | 14.1120% | 769 |
| Tier 1 risk-based capital ratio | 28.7113% | 578 |
| Total risk-based capital ratio | 29.9612% | 567 |
| Memoranda: | ||
| Average total assets | $67,833,200 | 5,679 |
| Average earning assets | $64,642,800 | 5,596 |
| Average equity | $9,833,000 | 5,010 |
| Average total loans | $26,995,400 | 6,080 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6905% | 6,237 |
| Cost of funding earning assets | 0.6576% | 4,125 |
| Net interest margin | 3.0329% | 6,100 |
| Noninterest income to average assets | 0.0733% | 6,723 |
| Noninterest expense to average assets | 1.6928% | 6,793 |
| Loan and lease loss provision to assets | 0.0297% | 5,409 |
| Net operating income to assets | 0.9673% | 2,672 |
| Return on assets (ROA) | 0.9673% | 2,888 |
| Pretax return on assets | 1.2488% | 2,796 |
| Return on Equity (ROE) | 6.6205% | 4,005 |
| Retained earnings to average equity (ytd only) | 5.1282% | 3,269 |
| Net charge-offs to loans | 0.1974% | 3,546 |
| Credit loss provision to net charge-offs | 37.5000% | 4,669 |
| Earnings coverage of net charge-offs (x) | 16.1256% | 1,709 |
| Efficiency ratio | 56.9713% | 5,920 |
| Assets per employee ($millions) | 5.7326% | 1,429 |
| Cash dividends to net income (ytd only)* | 22.5405% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6243% | 3,433 |
| 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 | 38.9135% | 6,356 |
| Net loans and leases to deposits | 45.6661% | 6,408 |
| Net loans and leases to core deposits | 46.7344% | 6,477 |
| Total domestic deposits to total assets | 85.2132% | 3,657 |
| Equity capital to assets | 14.5659% | 948 |
| Core capital (leverage) ratio | 14.5699% | 692 |
| Tier 1 risk-based capital ratio | 29.3214% | 561 |
| Total risk-based capital ratio | 30.5709% | 559 |
| Memoranda: | ||
| Average total assets | $67,263,500 | 5,765 |
| Average earning assets | $64,270,750 | 5,663 |
| Average equity | $9,827,750 | 5,068 |
| Average total loans | $27,017,250 | 6,165 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8057% | 6,129 |
| Cost of funding earning assets | 0.6842% | 4,150 |
| Net interest margin | 3.1215% | 5,943 |
| Noninterest income to average assets | 0.0749% | 6,775 |
| Noninterest expense to average assets | 1.7617% | 6,789 |
| Loan and lease loss provision to assets | 0.0449% | 5,112 |
| Net operating income to assets | 0.9438% | 2,690 |
| Return on assets (ROA) | 0.9438% | 2,947 |
| Pretax return on assets | 1.2344% | 2,784 |
| Return on Equity (ROE) | 6.4525% | 4,068 |
| Retained earnings to average equity (ytd only) | 4.1992% | 3,816 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9310% | 5,884 |
| Assets per employee ($millions) | 5.7264% | 1,423 |
| Cash dividends to net income (ytd only)* | 34.9206% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7750% | 2,942 |
| Loan loss allowance to noncurrent loans | 344.2857% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 6,277 |
| Noncurrent loans to loans | 0.5156% | 5,495 |
| Net loans and leases to total assets | 38.8157% | 6,415 |
| Net loans and leases to deposits | 45.4217% | 6,482 |
| Net loans and leases to core deposits | 46.4686% | 6,552 |
| Total domestic deposits to total assets | 85.4563% | 3,635 |
| Equity capital to assets | 14.3298% | 966 |
| Core capital (leverage) ratio | 14.4900% | 696 |
| Tier 1 risk-based capital ratio | 28.9481% | 576 |
| Total risk-based capital ratio | 30.2005% | 562 |
| Memoranda: | ||
| Average total assets | $66,754,330 | 5,816 |
| Average earning assets | $63,431,330 | 5,725 |
| Average equity | $9,763,670 | 5,084 |
| Average total loans | $26,952,670 | 6,208 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8978% | 6,024 |
| Cost of funding earning assets | 0.7261% | 4,066 |
| Net interest margin | 3.1717% | 5,842 |
| Noninterest income to average assets | 0.0791% | 6,829 |
| Noninterest expense to average assets | 1.7758% | 6,819 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0521% | 2,279 |
| Return on assets (ROA) | 1.0521% | 2,469 |
| Pretax return on assets | 1.3319% | 2,420 |
| Return on Equity (ROE) | 7.1179% | 3,714 |
| Retained earnings to average equity (ytd only) | 7.1179% | 2,372 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1429% | 6,026 |
| Assets per employee ($millions) | 6.0890% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7496% | 3,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 39.1541% | 6,415 |
| Net loans and leases to deposits | 46.0573% | 6,425 |
| Net loans and leases to core deposits | 47.1359% | 6,502 |
| Total domestic deposits to total assets | 85.0117% | 4,030 |
| Equity capital to assets | 14.6434% | 822 |
| Core capital (leverage) ratio | 14.7896% | 636 |
| Tier 1 risk-based capital ratio | 29.4774% | 550 |
| Total risk-based capital ratio | 30.7306% | 538 |
| Memoranda: | ||
| Average total assets | $65,773,000 | 5,896 |
| Average earning assets | $62,804,500 | 5,784 |
| Average equity | $9,722,000 | 5,114 |
| Average total loans | $26,851,500 | 6,258 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2794% | 5,821 |
| Cost of funding earning assets | 0.9255% | 3,914 |
| Net interest margin | 3.3539% | 5,635 |
| Noninterest income to average assets | 0.0707% | 6,748 |
| Noninterest expense to average assets | 1.9771% | 6,716 |
| Loan and lease loss provision to assets | 0.0785% | 5,630 |
| Net operating income to assets | 0.9187% | 2,528 |
| Return on assets (ROA) | 0.9187% | 2,644 |
| Pretax return on assets | 1.1448% | 2,676 |
| Return on Equity (ROE) | 6.0864% | 3,828 |
| Retained earnings to average equity (ytd only) | 2.6426% | 4,350 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7763% | 5,490 |
| Assets per employee ($millions) | 5.8697% | 1,321 |
| Cash dividends to net income (ytd only)* | 56.5812% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7289% | 3,096 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 41.1108% | 6,453 |
| Net loans and leases to deposits | 48.5309% | 6,460 |
| Net loans and leases to core deposits | 49.7815% | 6,543 |
| Total domestic deposits to total assets | 84.7105% | 3,999 |
| Equity capital to assets | 14.9240% | 801 |
| Core capital (leverage) ratio | 14.6277% | 682 |
| Tier 1 risk-based capital ratio | 29.1021% | 561 |
| Total risk-based capital ratio | 30.3555% | 552 |
| Memoranda: | ||
| Average total assets | $63,680,200 | 5,932 |
| Average earning assets | $59,424,200 | 5,881 |
| Average equity | $9,611,600 | 5,116 |
| Average total loans | $27,305,400 | 6,277 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3249% | 5,869 |
| Cost of funding earning assets | 0.9674% | 3,915 |
| Net interest margin | 3.3576% | 5,690 |
| Noninterest income to average assets | 0.0714% | 6,874 |
| Noninterest expense to average assets | 1.7250% | 7,071 |
| Loan and lease loss provision to assets | 0.0630% | 5,664 |
| Net operating income to assets | 1.1850% | 1,694 |
| Return on assets (ROA) | 1.1850% | 1,812 |
| Pretax return on assets | 1.4119% | 1,910 |
| Return on Equity (ROE) | 7.8286% | 3,116 |
| Retained earnings to average equity (ytd only) | 6.3018% | 2,369 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9068% | 6,499 |
| Assets per employee ($millions) | 5.8859% | 1,279 |
| Cash dividends to net income (ytd only)* | 19.5032% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5981% | 3,678 |
| 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 | 42.5098% | 6,465 |
| Net loans and leases to deposits | 50.3328% | 6,485 |
| Net loans and leases to core deposits | 51.6021% | 6,589 |
| Total domestic deposits to total assets | 84.4575% | 4,030 |
| Equity capital to assets | 15.1904% | 799 |
| Core capital (leverage) ratio | 15.2325% | 622 |
| Tier 1 risk-based capital ratio | 29.1037% | 593 |
| Total risk-based capital ratio | 30.3554% | 579 |
| Memoranda: | ||
| Average total assets | $63,458,500 | 5,981 |
| Average earning assets | $59,128,750 | 5,937 |
| Average equity | $9,605,500 | 5,156 |
| Average total loans | $27,379,000 | 6,334 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3176% | 5,962 |
| Cost of funding earning assets | 0.9856% | 4,047 |
| Net interest margin | 3.3320% | 5,766 |
| Noninterest income to average assets | 0.0666% | 6,973 |
| Noninterest expense to average assets | 1.7357% | 7,147 |
| Loan and lease loss provision to assets | 0.0952% | 5,141 |
| Net operating income to assets | 1.1074% | 1,849 |
| Return on assets (ROA) | 1.1074% | 1,938 |
| Pretax return on assets | 1.3359% | 2,013 |
| Return on Equity (ROE) | 7.3250% | 3,281 |
| Retained earnings to average equity (ytd only) | 5.0163% | 2,999 |
| Net charge-offs to loans | 0.0074% | 5,761 |
| Credit loss provision to net charge-offs | 3,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 451.0000% | 70 |
| Efficiency ratio | 54.8096% | 6,531 |
| Assets per employee ($millions) | 5.7744% | 1,322 |
| Cash dividends to net income (ytd only)* | 31.5186% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6374% | 3,547 |
| 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 | 42.2746% | 6,572 |
| Net loans and leases to deposits | 50.0196% | 6,594 |
| Net loans and leases to core deposits | 51.2873% | 6,701 |
| Total domestic deposits to total assets | 84.5162% | 4,110 |
| Equity capital to assets | 15.1453% | 787 |
| Core capital (leverage) ratio | 15.0748% | 653 |
| Tier 1 risk-based capital ratio | 29.0240% | 597 |
| Total risk-based capital ratio | 30.2761% | 583 |
| Memoranda: | ||
| Average total assets | $63,029,670 | 6,049 |
| Average earning assets | $58,643,670 | 6,005 |
| Average equity | $9,529,000 | 5,178 |
| Average total loans | $27,182,000 | 6,405 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3217% | 5,946 |
| Cost of funding earning assets | 1.0005% | 4,203 |
| Net interest margin | 3.3213% | 5,705 |
| Noninterest income to average assets | 0.0637% | 7,072 |
| Noninterest expense to average assets | 1.6564% | 7,263 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2869% | 1,302 |
| Return on assets (ROA) | 1.2869% | 1,349 |
| Pretax return on assets | 1.5163% | 1,401 |
| Return on Equity (ROE) | 8.5201% | 2,687 |
| Retained earnings to average equity (ytd only) | 8.5201% | 1,548 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2088% | 6,838 |
| Assets per employee ($millions) | 5.8635% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5788% | 3,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 6,861 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 40.3051% | 6,756 |
| Net loans and leases to deposits | 47.5682% | 6,771 |
| Net loans and leases to core deposits | 48.7428% | 6,844 |
| Total domestic deposits to total assets | 84.7313% | 4,159 |
| Equity capital to assets | 14.8609% | 793 |
| Core capital (leverage) ratio | 15.2910% | 609 |
| Tier 1 risk-based capital ratio | 29.5888% | 538 |
| Total risk-based capital ratio | 30.8390% | 530 |
| Memoranda: | ||
| Average total assets | $62,785,500 | 6,102 |
| Average earning assets | $58,773,000 | 6,038 |
| Average equity | $9,483,500 | 5,181 |
| Average total loans | $27,123,500 | 6,463 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6532% | 5,943 |
| Cost of funding earning assets | 1.4282% | 3,081 |
| Net interest margin | 3.2250% | 6,205 |
| Noninterest income to average assets | 0.0923% | 6,933 |
| Noninterest expense to average assets | 1.9220% | 7,127 |
| Loan and lease loss provision to assets | 0.0593% | 6,549 |
| Net operating income to assets | 0.9023% | 2,375 |
| Return on assets (ROA) | 0.9050% | 2,503 |
| Pretax return on assets | 1.1291% | 2,466 |
| Return on Equity (ROE) | 5.8544% | 3,675 |
| Retained earnings to average equity (ytd only) | 2.2181% | 4,336 |
| Net charge-offs to loans | -0.0496% | 7,444 |
| Credit loss provision to net charge-offs | -257.1429% | 7,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8568% | 5,750 |
| Assets per employee ($millions) | 5.5521% | 1,529 |
| Cash dividends to net income (ytd only)* | 62.1129% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 4,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 6,915 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 44.8922% | 6,647 |
| Net loans and leases to deposits | 53.2897% | 6,658 |
| Net loans and leases to core deposits | 54.5949% | 6,779 |
| Total domestic deposits to total assets | 84.2418% | 4,250 |
| Equity capital to assets | 15.3619% | 706 |
| Core capital (leverage) ratio | 15.1717% | 633 |
| Tier 1 risk-based capital ratio | 28.3316% | 581 |
| Total risk-based capital ratio | 29.5818% | 570 |
| Memoranda: | ||
| Average total assets | $60,665,800 | 6,168 |
| Average earning assets | $56,713,200 | 6,109 |
| Average equity | $9,377,600 | 5,308 |
| Average total loans | $28,248,600 | 6,485 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6572% | 6,163 |
| Cost of funding earning assets | 1.5045% | 2,950 |
| Net interest margin | 3.1527% | 6,478 |
| Noninterest income to average assets | 0.0947% | 7,071 |
| Noninterest expense to average assets | 1.6665% | 7,456 |
| Loan and lease loss provision to assets | 0.0660% | 6,403 |
| Net operating income to assets | 1.1322% | 1,791 |
| Return on assets (ROA) | 1.1360% | 1,890 |
| Pretax return on assets | 1.3143% | 2,127 |
| Return on Equity (ROE) | 7.3373% | 3,183 |
| Retained earnings to average equity (ytd only) | 6.0718% | 2,314 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7757% | 6,715 |
| Assets per employee ($millions) | 5.4643% | 1,659 |
| Cash dividends to net income (ytd only)* | 17.2476% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 4,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 7,024 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 46.1178% | 6,683 |
| Net loans and leases to deposits | 55.1236% | 6,678 |
| Net loans and leases to core deposits | 56.5541% | 6,827 |
| Total domestic deposits to total assets | 83.6625% | 4,288 |
| Equity capital to assets | 15.9732% | 679 |
| Core capital (leverage) ratio | 15.8114% | 589 |
| Tier 1 risk-based capital ratio | 29.0587% | 566 |
| Total risk-based capital ratio | 30.2603% | 554 |
| Memoranda: | ||
| Average total assets | $60,564,000 | 6,245 |
| Average earning assets | $56,628,000 | 6,182 |
| Average equity | $9,376,500 | 5,386 |
| Average total loans | $28,352,250 | 6,568 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6336% | 6,362 |
| Cost of funding earning assets | 1.5668% | 2,858 |
| Net interest margin | 3.0668% | 6,688 |
| Noninterest income to average assets | 0.0988% | 7,101 |
| Noninterest expense to average assets | 1.6898% | 7,506 |
| Loan and lease loss provision to assets | 0.0988% | 5,922 |
| Net operating income to assets | 1.0211% | 2,113 |
| Return on assets (ROA) | 1.0211% | 2,187 |
| Pretax return on assets | 1.1793% | 2,481 |
| Return on Equity (ROE) | 6.6655% | 3,455 |
| Retained earnings to average equity (ytd only) | 4.7518% | 3,043 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9367% | 6,517 |
| Assets per employee ($millions) | 5.5463% | 1,579 |
| Cash dividends to net income (ytd only)* | 28.7097% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 4,448 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 45.9440% | 6,782 |
| Net loans and leases to deposits | 54.5352% | 6,826 |
| Net loans and leases to core deposits | 55.8979% | 6,941 |
| Total domestic deposits to total assets | 84.2466% | 3,990 |
| Equity capital to assets | 15.3994% | 797 |
| Core capital (leverage) ratio | 15.2998% | 668 |
| Tier 1 risk-based capital ratio | 27.9214% | 634 |
| Total risk-based capital ratio | 29.1013% | 627 |
| Memoranda: | ||
| Average total assets | $60,716,330 | 6,277 |
| Average earning assets | $56,802,000 | 6,211 |
| Average equity | $9,301,670 | 5,416 |
| Average total loans | $28,430,670 | 6,607 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 6,684 |
| Cost of funding earning assets | 1.6102% | 2,896 |
| Net interest margin | 2.9379% | 6,956 |
| Noninterest income to average assets | 0.0991% | 7,209 |
| Noninterest expense to average assets | 1.6180% | 7,642 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0698% | 1,933 |
| Return on assets (ROA) | 1.0698% | 2,006 |
| Pretax return on assets | 1.2283% | 2,271 |
| Return on Equity (ROE) | 7.0016% | 3,338 |
| Retained earnings to average equity (ytd only) | 7.0016% | 2,129 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8445% | 6,647 |
| Assets per employee ($millions) | 5.6304% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 4,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 44.6265% | 6,941 |
| Net loans and leases to deposits | 52.7794% | 6,995 |
| Net loans and leases to core deposits | 54.0574% | 7,099 |
| Total domestic deposits to total assets | 84.5529% | 3,873 |
| Equity capital to assets | 15.0725% | 867 |
| Core capital (leverage) ratio | 15.5083% | 656 |
| Tier 1 risk-based capital ratio | 28.1773% | 626 |
| Total risk-based capital ratio | 29.2850% | 626 |
| Memoranda: | ||
| Average total assets | $60,570,000 | 6,355 |
| Average earning assets | $56,639,000 | 6,293 |
| Average equity | $9,255,000 | 5,470 |
| Average total loans | $28,432,500 | 6,692 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6782% | 7,170 |
| Cost of funding earning assets | 2.0060% | 2,932 |
| Net interest margin | 2.6722% | 7,246 |
| Noninterest income to average assets | 0.0980% | 7,273 |
| Noninterest expense to average assets | 1.9213% | 7,469 |
| Loan and lease loss provision to assets | 0.0516% | 7,050 |
| Net operating income to assets | 0.5797% | 3,405 |
| Return on assets (ROA) | 0.5797% | 3,481 |
| Pretax return on assets | 0.6364% | 3,789 |
| Return on Equity (ROE) | 3.6618% | 4,225 |
| Retained earnings to average equity (ytd only) | 1.4451% | 4,055 |
| Net charge-offs to loans | -0.0659% | 7,862 |
| Credit loss provision to net charge-offs | -157.8947% | 7,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6322% | 3,970 |
| Assets per employee ($millions) | 5.3824% | 1,761 |
| Cash dividends to net income (ytd only)* | 60.5341% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 4,928 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 48.1235% | 6,803 |
| Net loans and leases to deposits | 57.1750% | 6,836 |
| Net loans and leases to core deposits | 65.1156% | 7,028 |
| Total domestic deposits to total assets | 84.1688% | 3,958 |
| Equity capital to assets | 15.4967% | 789 |
| Core capital (leverage) ratio | 15.5928% | 679 |
| Tier 1 risk-based capital ratio | 27.9584% | 650 |
| Total risk-based capital ratio | 29.0769% | 638 |
| Memoranda: | ||
| Average total assets | $58,137,000 | 6,428 |
| Average earning assets | $54,636,400 | 6,347 |
| Average equity | $9,203,200 | 5,547 |
| Average total loans | $28,817,600 | 6,701 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6675% | 7,335 |
| Cost of funding earning assets | 2.0964% | 2,905 |
| Net interest margin | 2.5710% | 7,383 |
| Noninterest income to average assets | 0.0991% | 7,409 |
| Noninterest expense to average assets | 1.6934% | 7,770 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7649% | 2,964 |
| Return on assets (ROA) | 0.7649% | 3,027 |
| Pretax return on assets | 0.8271% | 3,451 |
| Return on Equity (ROE) | 4.8062% | 4,042 |
| Retained earnings to average equity (ytd only) | 4.8062% | 2,603 |
| Net charge-offs to loans | -0.0787% | 7,899 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1846% | 5,143 |
| Assets per employee ($millions) | 5.2672% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 5,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 50.2822% | 6,760 |
| Net loans and leases to deposits | 60.2345% | 6,817 |
| Net loans and leases to core deposits | 68.7018% | 7,033 |
| Total domestic deposits to total assets | 83.4775% | 3,977 |
| Equity capital to assets | 16.1791% | 765 |
| Core capital (leverage) ratio | 15.9340% | 686 |
| Tier 1 risk-based capital ratio | 28.9210% | 625 |
| Total risk-based capital ratio | 29.9546% | 621 |
| Memoranda: | ||
| Average total assets | $57,869,750 | 6,471 |
| Average earning assets | $54,503,750 | 6,399 |
| Average equity | $9,210,250 | 5,585 |
| Average total loans | $28,807,250 | 6,753 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6550% | 7,459 |
| Cost of funding earning assets | 2.1930% | 2,825 |
| Net interest margin | 2.4621% | 7,515 |
| Noninterest income to average assets | 0.0934% | 7,508 |
| Noninterest expense to average assets | 1.6008% | 7,909 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7399% | 3,091 |
| Return on assets (ROA) | 0.7399% | 3,194 |
| Pretax return on assets | 0.8021% | 3,663 |
| Return on Equity (ROE) | 4.6747% | 4,225 |
| Retained earnings to average equity (ytd only) | 4.6747% | 2,699 |
| Net charge-offs to loans | -0.1049% | 7,958 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6187% | 5,433 |
| Assets per employee ($millions) | 5.3480% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 5,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 48.4191% | 7,000 |
| Net loans and leases to deposits | 57.7020% | 7,048 |
| Net loans and leases to core deposits | 65.8285% | 7,222 |
| Total domestic deposits to total assets | 83.9124% | 3,819 |
| Equity capital to assets | 15.7357% | 878 |
| Core capital (leverage) ratio | 16.2070% | 720 |
| Tier 1 risk-based capital ratio | 28.7735% | 674 |
| Total risk-based capital ratio | 29.8088% | 674 |
| Memoranda: | ||
| Average total assets | $57,846,670 | 6,518 |
| Average earning assets | $54,263,670 | 6,456 |
| Average equity | $9,155,670 | 5,627 |
| Average total loans | $28,587,000 | 6,815 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7934% | 7,379 |
| Cost of funding earning assets | 2.2928% | 2,733 |
| Net interest margin | 2.5006% | 7,502 |
| Noninterest income to average assets | 0.0837% | 7,638 |
| Noninterest expense to average assets | 1.6389% | 7,876 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7253% | 3,442 |
| Return on assets (ROA) | 0.7253% | 3,638 |
| Pretax return on assets | 0.7950% | 4,092 |
| Return on Equity (ROE) | 4.5689% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.5689% | 3,394 |
| Net charge-offs to loans | -0.0281% | 7,537 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3352% | 5,073 |
| Assets per employee ($millions) | 5.2400% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 5,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 48.3102% | 6,999 |
| Net loans and leases to deposits | 57.6474% | 7,058 |
| Net loans and leases to core deposits | 65.7210% | 7,251 |
| Total domestic deposits to total assets | 83.8029% | 3,800 |
| Equity capital to assets | 15.8709% | 896 |
| Core capital (leverage) ratio | 15.8531% | 802 |
| Tier 1 risk-based capital ratio | 30.0536% | 618 |
| Total risk-based capital ratio | 31.1052% | 612 |
| Memoranda: | ||
| Average total assets | $57,356,000 | 6,564 |
| Average earning assets | $53,907,000 | 6,506 |
| Average equity | $9,105,000 | 5,667 |
| Average total loans | $28,472,000 | 6,850 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2340% | 7,656 |
| Cost of funding earning assets | 2.7702% | 2,833 |
| Net interest margin | 2.4639% | 7,794 |
| Noninterest income to average assets | 0.0821% | 7,731 |
| Noninterest expense to average assets | 1.8616% | 7,675 |
| Loan and lease loss provision to assets | 0.0535% | 6,748 |
| Net operating income to assets | 0.4517% | 4,948 |
| Return on assets (ROA) | 0.4534% | 4,768 |
| Pretax return on assets | 0.4944% | 4,989 |
| Return on Equity (ROE) | 2.8014% | 5,307 |
| Retained earnings to average equity (ytd only) | 1.4779% | 4,336 |
| Net charge-offs to loans | -0.1329% | 8,122 |
| Credit loss provision to net charge-offs | -78.9474% | 7,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3165% | 3,034 |
| Assets per employee ($millions) | 5.1884% | 1,737 |
| Cash dividends to net income (ytd only)* | 47.2441% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 5,236 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 49.8668% | 7,042 |
| Net loans and leases to deposits | 59.5460% | 7,125 |
| Net loans and leases to core deposits | 67.8718% | 7,298 |
| Total domestic deposits to total assets | 83.7451% | 3,463 |
| Equity capital to assets | 15.8782% | 965 |
| Core capital (leverage) ratio | 15.5622% | 916 |
| Tier 1 risk-based capital ratio | 29.2494% | 683 |
| Total risk-based capital ratio | 30.2782% | 686 |
| Memoranda: | ||
| Average total assets | $56,025,800 | 6,529 |
| Average earning assets | $52,884,600 | 6,469 |
| Average equity | $9,066,800 | 5,719 |
| Average total loans | $28,595,600 | 6,788 |