Home > Strasburg State Bank > Performance and Condition Ratios
Strasburg State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6068% | 2,876 |
| Cost of funding earning assets | 1.3416% | 2,387 |
| Net interest margin | 3.2652% | 2,720 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 1.5193% | 4,316 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3105% | 1,415 |
| Return on assets (ROA) | 1.3105% | 1,382 |
| Pretax return on assets | 1.6133% | 1,211 |
| Return on Equity (ROE) | 15.6000% | 1,173 |
| Retained earnings to average equity (ytd only) | 11.0396% | 783 |
| 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 | 48.5000% | 4,065 |
| Assets per employee ($millions) | 13.2366% | 311 |
| Cash dividends to net income (ytd only)* | 29.2430% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8042% | 3,951 |
| 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 | 41.6700% | 3,975 |
| Net loans and leases to deposits | 47.2068% | 4,014 |
| Net loans and leases to core deposits | 50.1350% | 4,079 |
| Total domestic deposits to total assets | 88.2700% | 1,263 |
| Equity capital to assets | 9.1996% | 2,545 |
| Core capital (leverage) ratio | 9.1763% | 3,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8538% | 1,576 |
| Memoranda: | ||
| Average total assets | $95,765,200 | 3,864 |
| Average earning assets | $86,611,600 | 3,862 |
| Average equity | $8,043,800 | 3,919 |
| Average total loans | $32,775,800 | 4,099 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4945% | 2,934 |
| Cost of funding earning assets | 1.2133% | 2,390 |
| Net interest margin | 3.2813% | 2,731 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 1.4252% | 4,376 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4874% | 1,151 |
| Return on assets (ROA) | 1.4874% | 1,130 |
| Pretax return on assets | 1.7084% | 1,148 |
| Return on Equity (ROE) | 18.1200% | 937 |
| Retained earnings to average equity (ytd only) | 11.9469% | 980 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 45.4826% | 4,160 |
| Assets per employee ($millions) | 12.9221% | 302 |
| Cash dividends to net income (ytd only)* | 34.0761% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8983% | 3,739 |
| Loan loss allowance to noncurrent loans | 7,825.0000% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 3,830 |
| Noncurrent loans to loans | 0.0115% | 3,713 |
| Net loans and leases to total assets | 38.1700% | 4,121 |
| Net loans and leases to deposits | 42.6802% | 4,141 |
| Net loans and leases to core deposits | 45.0554% | 4,151 |
| Total domestic deposits to total assets | 89.4400% | 1,099 |
| Equity capital to assets | 9.2267% | 2,277 |
| Core capital (leverage) ratio | 8.9425% | 3,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9173% | 1,342 |
| Memoranda: | ||
| Average total assets | $96,542,500 | 3,872 |
| Average earning assets | $87,036,750 | 3,871 |
| Average equity | $7,923,750 | 3,940 |
| Average total loans | $31,239,000 | 4,143 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3435% | 3,011 |
| Cost of funding earning assets | 1.0741% | 2,366 |
| Net interest margin | 3.2694% | 2,820 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.3777% | 4,433 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5400% | 1,033 |
| Return on assets (ROA) | 1.5400% | 1,025 |
| Pretax return on assets | 1.7835% | 1,043 |
| Return on Equity (ROE) | 19.5000% | 765 |
| Retained earnings to average equity (ytd only) | 10.0732% | 1,383 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 43.5815% | 4,269 |
| Assets per employee ($millions) | 13.4211% | 266 |
| Cash dividends to net income (ytd only)* | 48.3531% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 3,474 |
| Loan loss allowance to noncurrent loans | 440.8451% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 3,014 |
| Noncurrent loans to loans | 0.2245% | 2,363 |
| Net loans and leases to total assets | 33.3400% | 4,258 |
| Net loans and leases to deposits | 36.9123% | 4,281 |
| Net loans and leases to core deposits | 37.9266% | 4,291 |
| Total domestic deposits to total assets | 90.3100% | 835 |
| Equity capital to assets | 8.5452% | 2,826 |
| Core capital (leverage) ratio | 8.3653% | 4,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8000% | 1,363 |
| Memoranda: | ||
| Average total assets | $98,571,667 | 3,869 |
| Average earning assets | $88,822,333 | 3,878 |
| Average equity | $7,783,000 | 3,974 |
| Average total loans | $30,037,667 | 4,165 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1748% | 3,094 |
| Cost of funding earning assets | 0.9458% | 2,232 |
| Net interest margin | 3.2290% | 3,046 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 1.3600% | 4,501 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6494% | 908 |
| Return on assets (ROA) | 1.6494% | 911 |
| Pretax return on assets | 1.8873% | 927 |
| Return on Equity (ROE) | 21.7200% | 604 |
| Retained earnings to average equity (ytd only) | 2.5586% | 3,590 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 41.8803% | 4,392 |
| Assets per employee ($millions) | 14.2920% | 236 |
| Cash dividends to net income (ytd only)* | 88.2212% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 2,574 |
| Loan loss allowance to noncurrent loans | 613.7255% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 3,275 |
| Noncurrent loans to loans | 0.1950% | 2,499 |
| Net loans and leases to total assets | 25.8300% | 4,456 |
| Net loans and leases to deposits | 28.2819% | 4,477 |
| Net loans and leases to core deposits | 28.8296% | 4,473 |
| Total domestic deposits to total assets | 91.3500% | 689 |
| Equity capital to assets | 7.6816% | 3,458 |
| Core capital (leverage) ratio | 7.5724% | 4,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6933% | 1,725 |
| Memoranda: | ||
| Average total assets | $100,883,500 | 3,906 |
| Average earning assets | $90,925,500 | 3,906 |
| Average equity | $7,660,500 | 4,037 |
| Average total loans | $29,240,500 | 4,235 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8746% | 4,263 |
| Cost of funding earning assets | 0.3592% | 2,406 |
| Net interest margin | 2.5154% | 4,275 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.3536% | 4,538 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9192% | 2,883 |
| Return on assets (ROA) | 0.9192% | 2,831 |
| Pretax return on assets | 1.1231% | 2,701 |
| Return on Equity (ROE) | 13.0900% | 1,780 |
| Retained earnings to average equity (ytd only) | 12.7923% | 538 |
| Net charge-offs to loans | 0.0098% | 2,007 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 378.3333% | 408 |
| Efficiency ratio | 54.6544% | 3,729 |
| Assets per employee ($millions) | 12.7154% | 324 |
| Cash dividends to net income (ytd only)* | 2.2605% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 3,520 |
| 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 | 31.4700% | 4,355 |
| Net loans and leases to deposits | 34.2969% | 4,392 |
| Net loans and leases to core deposits | 35.2623% | 4,391 |
| Total domestic deposits to total assets | 91.7500% | 701 |
| Equity capital to assets | 7.5067% | 3,383 |
| Core capital (leverage) ratio | 7.4397% | 4,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0725% | 1,951 |
| Memoranda: | ||
| Average total assets | $101,064,000 | 3,917 |
| Average earning assets | $91,317,400 | 3,923 |
| Average equity | $7,098,000 | 4,201 |
| Average total loans | $30,518,000 | 4,233 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6411% | 4,355 |
| Cost of funding earning assets | 0.2917% | 2,259 |
| Net interest margin | 2.3494% | 4,372 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 1.2805% | 4,591 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8100% | 3,219 |
| Return on assets (ROA) | 0.8100% | 3,184 |
| Pretax return on assets | 0.9963% | 3,023 |
| Return on Equity (ROE) | 11.7400% | 2,128 |
| Retained earnings to average equity (ytd only) | 11.3350% | 959 |
| Net charge-offs to loans | 0.0133% | 1,623 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 251.3333% | 536 |
| Efficiency ratio | 56.2391% | 3,605 |
| Assets per employee ($millions) | 12.7379% | 323 |
| Cash dividends to net income (ytd only)* | 3.4258% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,475 |
| 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 | 30.3700% | 4,410 |
| Net loans and leases to deposits | 33.0355% | 4,440 |
| Net loans and leases to core deposits | 33.9991% | 4,442 |
| Total domestic deposits to total assets | 91.9200% | 906 |
| Equity capital to assets | 7.1833% | 3,415 |
| Core capital (leverage) ratio | 7.0935% | 4,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8827% | 2,096 |
| Memoranda: | ||
| Average total assets | $100,899,250 | 3,944 |
| Average earning assets | $90,970,250 | 3,948 |
| Average equity | $6,963,500 | 4,260 |
| Average total loans | $30,067,000 | 4,267 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2251% | 4,555 |
| Cost of funding earning assets | 0.2614% | 2,124 |
| Net interest margin | 1.9637% | 4,576 |
| Noninterest income to average assets | 0.0676% | 4,590 |
| Noninterest expense to average assets | 1.2072% | 4,640 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5171% | 3,851 |
| Return on assets (ROA) | 0.5171% | 3,806 |
| Pretax return on assets | 0.6384% | 3,733 |
| Return on Equity (ROE) | 7.5972% | 3,140 |
| Retained earnings to average equity (ytd only) | 6.9835% | 1,995 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4095% | 2,595 |
| Assets per employee ($millions) | 15.1609% | 194 |
| Cash dividends to net income (ytd only)* | 8.0769% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 3,275 |
| Loan loss allowance to noncurrent loans | 644.8980% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 3,524 |
| Noncurrent loans to loans | 0.1660% | 2,861 |
| Net loans and leases to total assets | 27.5173% | 4,528 |
| Net loans and leases to deposits | 29.6896% | 4,551 |
| Net loans and leases to core deposits | 30.5120% | 4,553 |
| Total domestic deposits to total assets | 92.6832% | 589 |
| Equity capital to assets | 6.5648% | 3,991 |
| Core capital (leverage) ratio | 6.8617% | 4,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6393% | 2,232 |
| Memoranda: | ||
| Average total assets | $100,564,667 | 3,983 |
| Average earning assets | $91,050,333 | 4,000 |
| Average equity | $6,844,667 | 4,334 |
| Average total loans | $29,670,000 | 4,322 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2850% | 4,466 |
| Cost of funding earning assets | 0.2670% | 1,956 |
| Net interest margin | 2.0181% | 4,502 |
| Noninterest income to average assets | 0.0409% | 4,681 |
| Noninterest expense to average assets | 1.2845% | 4,627 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5400% | 3,597 |
| Return on assets (ROA) | 0.5400% | 3,561 |
| Pretax return on assets | 0.5809% | 3,688 |
| Return on Equity (ROE) | 7.7836% | 2,767 |
| Retained earnings to average equity (ytd only) | 6.5453% | 2,058 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8596% | 2,389 |
| Assets per employee ($millions) | 14.6204% | 220 |
| Cash dividends to net income (ytd only)* | 15.9091% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 2,999 |
| Loan loss allowance to noncurrent loans | 619.6078% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 3,544 |
| Noncurrent loans to loans | 0.1891% | 2,872 |
| Net loans and leases to total assets | 26.0497% | 4,561 |
| Net loans and leases to deposits | 28.1417% | 4,596 |
| Net loans and leases to core deposits | 29.2899% | 4,594 |
| Total domestic deposits to total assets | 92.5662% | 389 |
| Equity capital to assets | 6.6824% | 4,350 |
| Core capital (leverage) ratio | 6.9712% | 4,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8644% | 2,274 |
| Memoranda: | ||
| Average total assets | $97,784,000 | 4,026 |
| Average earning assets | $88,401,000 | 4,039 |
| Average equity | $6,783,500 | 4,383 |
| Average total loans | $29,745,500 | 4,331 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7179% | 4,297 |
| Cost of funding earning assets | 0.3441% | 1,996 |
| Net interest margin | 2.3738% | 4,351 |
| Noninterest income to average assets | 0.0938% | 4,632 |
| Noninterest expense to average assets | 1.4553% | 4,581 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6281% | 3,816 |
| Return on assets (ROA) | 0.6281% | 3,858 |
| Pretax return on assets | 0.7460% | 3,844 |
| Return on Equity (ROE) | 8.4819% | 3,086 |
| Retained earnings to average equity (ytd only) | 6.0408% | 2,343 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1123% | 2,245 |
| Assets per employee ($millions) | 13.3179% | 287 |
| Cash dividends to net income (ytd only)* | 28.7796% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 3,868 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 34.5390% | 4,357 |
| Net loans and leases to deposits | 37.5582% | 4,426 |
| Net loans and leases to core deposits | 39.0438% | 4,420 |
| Total domestic deposits to total assets | 91.9614% | 190 |
| Equity capital to assets | 7.2169% | 4,674 |
| Core capital (leverage) ratio | 7.4137% | 4,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3473% | 3,079 |
| Memoranda: | ||
| Average total assets | $87,402,600 | 4,128 |
| Average earning assets | $77,597,600 | 4,159 |
| Average equity | $6,472,600 | 4,480 |
| Average total loans | $32,017,800 | 4,337 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7090% | 4,397 |
| Cost of funding earning assets | 0.3667% | 1,969 |
| Net interest margin | 2.3423% | 4,452 |
| Noninterest income to average assets | 0.0869% | 4,715 |
| Noninterest expense to average assets | 1.5110% | 4,583 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5461% | 4,109 |
| Return on assets (ROA) | 0.5461% | 4,152 |
| Pretax return on assets | 0.6469% | 4,163 |
| Return on Equity (ROE) | 7.3231% | 3,582 |
| Retained earnings to average equity (ytd only) | 4.0360% | 3,571 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0216% | 1,597 |
| Assets per employee ($millions) | 12.5963% | 331 |
| Cash dividends to net income (ytd only)* | 44.8864% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 3,832 |
| 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 | 35.3664% | 4,418 |
| Net loans and leases to deposits | 38.6266% | 4,496 |
| Net loans and leases to core deposits | 40.1204% | 4,509 |
| Total domestic deposits to total assets | 91.5599% | 225 |
| Equity capital to assets | 7.4069% | 4,731 |
| Core capital (leverage) ratio | 7.3089% | 4,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8660% | 3,100 |
| Memoranda: | ||
| Average total assets | $85,947,000 | 4,194 |
| Average earning assets | $75,991,000 | 4,238 |
| Average equity | $6,408,750 | 4,553 |
| Average total loans | $31,893,500 | 4,404 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5000% | 4,616 |
| Cost of funding earning assets | 0.3940% | 1,938 |
| Net interest margin | 2.1060% | 4,651 |
| Noninterest income to average assets | 0.0798% | 4,762 |
| Noninterest expense to average assets | 1.5046% | 4,617 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3850% | 4,413 |
| Return on assets (ROA) | 0.3850% | 4,452 |
| Pretax return on assets | 0.4319% | 4,473 |
| Return on Equity (ROE) | 5.1508% | 4,102 |
| Retained earnings to average equity (ytd only) | 0.2198% | 4,474 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6970% | 933 |
| Assets per employee ($millions) | 12.7716% | 293 |
| Cash dividends to net income (ytd only)* | 95.7317% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 3,886 |
| Loan loss allowance to noncurrent loans | 596.2264% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 3,837 |
| Noncurrent loans to loans | 0.1643% | 3,391 |
| Net loans and leases to total assets | 35.7323% | 4,468 |
| Net loans and leases to deposits | 38.8564% | 4,552 |
| Net loans and leases to core deposits | 40.3300% | 4,572 |
| Total domestic deposits to total assets | 91.9598% | 134 |
| Equity capital to assets | 7.0961% | 4,825 |
| Core capital (leverage) ratio | 7.1721% | 4,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6235% | 3,093 |
| Memoranda: | ||
| Average total assets | $85,204,667 | 4,227 |
| Average earning assets | $75,119,667 | 4,273 |
| Average equity | $6,368,000 | 4,583 |
| Average total loans | $32,024,667 | 4,432 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7535% | 4,427 |
| Cost of funding earning assets | 0.4452% | 1,757 |
| Net interest margin | 2.3083% | 4,514 |
| Noninterest income to average assets | 0.0578% | 4,831 |
| Noninterest expense to average assets | 1.5691% | 4,579 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4139% | 4,339 |
| Return on assets (ROA) | 0.4139% | 4,368 |
| Pretax return on assets | 0.5102% | 4,328 |
| Return on Equity (ROE) | 5.3918% | 4,008 |
| Retained earnings to average equity (ytd only) | 5.3918% | 3,097 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4630% | 1,188 |
| Assets per employee ($millions) | 12.3119% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 3,773 |
| Loan loss allowance to noncurrent loans | 62.6984% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 0.5848% | 1,628 |
| Noncurrent loans to loans | 1.6245% | 749 |
| Net loans and leases to total assets | 35.6312% | 4,520 |
| Net loans and leases to deposits | 38.8871% | 4,600 |
| Net loans and leases to core deposits | 39.8992% | 4,622 |
| Total domestic deposits to total assets | 91.6271% | 213 |
| Equity capital to assets | 7.4527% | 4,724 |
| Core capital (leverage) ratio | 7.6318% | 4,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2574% | 3,073 |
| Memoranda: | ||
| Average total assets | $83,106,500 | 4,265 |
| Average earning assets | $72,780,500 | 4,318 |
| Average equity | $6,380,000 | 4,598 |
| Average total loans | $31,906,500 | 4,454 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3321% | 4,285 |
| Cost of funding earning assets | 0.9231% | 793 |
| Net interest margin | 2.4090% | 4,650 |
| Noninterest income to average assets | 0.1129% | 4,701 |
| Noninterest expense to average assets | 1.6565% | 4,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5393% | 3,940 |
| Return on assets (ROA) | 0.5393% | 4,034 |
| Pretax return on assets | 0.6057% | 4,070 |
| Return on Equity (ROE) | 6.6427% | 3,354 |
| Retained earnings to average equity (ytd only) | 6.3482% | 1,650 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2237% | 1,538 |
| Assets per employee ($millions) | 10.0038% | 531 |
| Cash dividends to net income (ytd only)* | 4.4335% | 3,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 3,992 |
| Loan loss allowance to noncurrent loans | 80.8184% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 0.4886% | 2,095 |
| Noncurrent loans to loans | 1.1925% | 1,182 |
| Net loans and leases to total assets | 40.5760% | 4,422 |
| Net loans and leases to deposits | 44.5232% | 4,513 |
| Net loans and leases to core deposits | 45.5845% | 4,552 |
| Total domestic deposits to total assets | 91.1346% | 195 |
| Equity capital to assets | 7.9183% | 4,742 |
| Core capital (leverage) ratio | 7.9766% | 4,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5359% | 3,020 |
| Memoranda: | ||
| Average total assets | $75,279,400 | 4,307 |
| Average earning assets | $67,164,600 | 4,334 |
| Average equity | $6,112,000 | 4,635 |
| Average total loans | $34,472,600 | 4,421 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4221% | 4,324 |
| Cost of funding earning assets | 1.0342% | 677 |
| Net interest margin | 2.3879% | 4,731 |
| Noninterest income to average assets | 0.1062% | 4,737 |
| Noninterest expense to average assets | 1.7293% | 4,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3581% | 4,345 |
| Return on assets (ROA) | 0.3581% | 4,402 |
| Pretax return on assets | 0.5291% | 4,226 |
| Return on Equity (ROE) | 4.3814% | 4,070 |
| Retained earnings to average equity (ytd only) | 3.9851% | 3,054 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5737% | 1,151 |
| Assets per employee ($millions) | 9.5186% | 596 |
| Cash dividends to net income (ytd only)* | 9.0452% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9302% | 3,979 |
| Loan loss allowance to noncurrent loans | 81.6537% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.5082% | 2,172 |
| Noncurrent loans to loans | 1.1392% | 1,333 |
| Net loans and leases to total assets | 44.1949% | 4,411 |
| Net loans and leases to deposits | 48.7372% | 4,524 |
| Net loans and leases to core deposits | 50.2704% | 4,573 |
| Total domestic deposits to total assets | 90.6801% | 237 |
| Equity capital to assets | 8.0500% | 4,695 |
| Core capital (leverage) ratio | 7.8791% | 4,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6989% | 2,989 |
| Memoranda: | ||
| Average total assets | $74,091,750 | 4,330 |
| Average earning assets | $66,780,000 | 4,350 |
| Average equity | $6,055,750 | 4,659 |
| Average total loans | $34,893,500 | 4,440 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5302% | 4,375 |
| Cost of funding earning assets | 1.1558% | 602 |
| Net interest margin | 2.3744% | 4,802 |
| Noninterest income to average assets | 0.0899% | 4,812 |
| Noninterest expense to average assets | 1.7029% | 4,681 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3978% | 4,233 |
| Return on assets (ROA) | 0.3978% | 4,294 |
| Pretax return on assets | 0.5476% | 4,165 |
| Return on Equity (ROE) | 4.8417% | 3,875 |
| Retained earnings to average equity (ytd only) | 4.2447% | 2,801 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6659% | 1,295 |
| Assets per employee ($millions) | 9.5836% | 571 |
| Cash dividends to net income (ytd only)* | 12.3288% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9160% | 3,934 |
| Loan loss allowance to noncurrent loans | 90.5444% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.4552% | 2,499 |
| Noncurrent loans to loans | 1.0117% | 1,531 |
| Net loans and leases to total assets | 44.5826% | 4,426 |
| Net loans and leases to deposits | 49.1064% | 4,568 |
| Net loans and leases to core deposits | 51.2612% | 4,591 |
| Total domestic deposits to total assets | 90.7877% | 200 |
| Equity capital to assets | 7.9263% | 4,755 |
| Core capital (leverage) ratio | 8.0479% | 4,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9334% | 3,169 |
| Memoranda: | ||
| Average total assets | $73,406,000 | 4,345 |
| Average earning assets | $66,795,667 | 4,361 |
| Average equity | $6,031,000 | 4,687 |
| Average total loans | $35,201,333 | 4,450 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9535% | 3,914 |
| Cost of funding earning assets | 1.2482% | 659 |
| Net interest margin | 2.7054% | 4,666 |
| Noninterest income to average assets | 0.0669% | 4,929 |
| Noninterest expense to average assets | 1.8057% | 4,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6576% | 3,423 |
| Return on assets (ROA) | 0.6576% | 3,480 |
| Pretax return on assets | 0.7133% | 3,640 |
| Return on Equity (ROE) | 7.8562% | 2,573 |
| Retained earnings to average equity (ytd only) | 7.8562% | 1,271 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6814% | 2,127 |
| Assets per employee ($millions) | 9.0983% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9279% | 4,014 |
| 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 | 46.3564% | 4,408 |
| Net loans and leases to deposits | 51.2812% | 4,553 |
| Net loans and leases to core deposits | 53.6568% | 4,580 |
| Total domestic deposits to total assets | 90.3965% | 222 |
| Equity capital to assets | 8.3354% | 4,882 |
| Core capital (leverage) ratio | 8.4540% | 4,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4606% | 3,231 |
| Memoranda: | ||
| Average total assets | $71,774,500 | 4,380 |
| Average earning assets | $65,056,000 | 4,397 |
| Average equity | $6,008,000 | 4,723 |
| Average total loans | $35,553,500 | 4,462 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3884% | 3,285 |
| Cost of funding earning assets | 1.0584% | 1,485 |
| Net interest margin | 3.3300% | 3,918 |
| Noninterest income to average assets | 0.1395% | 4,776 |
| Noninterest expense to average assets | 2.0411% | 4,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9462% | 3,030 |
| Return on assets (ROA) | 0.9462% | 3,115 |
| Pretax return on assets | 1.0994% | 3,168 |
| Return on Equity (ROE) | 10.8901% | 1,928 |
| Retained earnings to average equity (ytd only) | 6.3002% | 1,718 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9928% | 2,935 |
| Assets per employee ($millions) | 8.8454% | 524 |
| Cash dividends to net income (ytd only)* | 42.1474% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 4,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 51.9113% | 4,233 |
| Net loans and leases to deposits | 57.4058% | 4,394 |
| Net loans and leases to core deposits | 60.1270% | 4,434 |
| Total domestic deposits to total assets | 90.4286% | 208 |
| Equity capital to assets | 8.4069% | 4,947 |
| Core capital (leverage) ratio | 8.5643% | 4,806 |
| Tier 1 risk-based capital ratio | 11.6435% | 4,556 |
| Total risk-based capital ratio | 12.2620% | 4,759 |
| Memoranda: | ||
| Average total assets | $65,946,400 | 4,498 |
| Average earning assets | $59,430,000 | 4,525 |
| Average equity | $5,730,000 | 4,794 |
| Average total loans | $35,866,400 | 4,507 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4039% | 3,346 |
| Cost of funding earning assets | 0.9893% | 1,806 |
| Net interest margin | 3.4145% | 3,827 |
| Noninterest income to average assets | 0.1277% | 4,891 |
| Noninterest expense to average assets | 2.0676% | 4,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9020% | 3,339 |
| Return on assets (ROA) | 0.9020% | 3,413 |
| Pretax return on assets | 1.1306% | 3,201 |
| Return on Equity (ROE) | 10.2901% | 2,310 |
| Retained earnings to average equity (ytd only) | 4.1114% | 3,343 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6491% | 2,917 |
| Assets per employee ($millions) | 8.2300% | 634 |
| Cash dividends to net income (ytd only)* | 60.0455% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8707% | 4,157 |
| Loan loss allowance to noncurrent loans | 421.3333% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 4,147 |
| Noncurrent loans to loans | 0.2066% | 3,797 |
| Net loans and leases to total assets | 54.6446% | 4,122 |
| Net loans and leases to deposits | 60.9280% | 4,345 |
| Net loans and leases to core deposits | 64.0588% | 4,365 |
| Total domestic deposits to total assets | 89.6871% | 377 |
| Equity capital to assets | 8.7530% | 4,893 |
| Core capital (leverage) ratio | 8.8037% | 4,773 |
| Tier 1 risk-based capital ratio | 12.7669% | 3,979 |
| Total risk-based capital ratio | 13.4670% | 4,184 |
| Memoranda: | ||
| Average total assets | $64,742,250 | 4,579 |
| Average earning assets | $58,220,000 | 4,608 |
| Average equity | $5,675,250 | 4,861 |
| Average total loans | $35,570,500 | 4,576 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3364% | 3,524 |
| Cost of funding earning assets | 0.8929% | 2,185 |
| Net interest margin | 3.4435% | 3,759 |
| Noninterest income to average assets | 0.1118% | 4,994 |
| Noninterest expense to average assets | 2.0598% | 4,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8947% | 3,307 |
| Return on assets (ROA) | 0.8947% | 3,373 |
| Pretax return on assets | 1.1433% | 3,102 |
| Return on Equity (ROE) | 10.2019% | 2,290 |
| Retained earnings to average equity (ytd only) | 0.8856% | 4,468 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3065% | 3,083 |
| Assets per employee ($millions) | 8.1644% | 632 |
| Cash dividends to net income (ytd only)* | 91.3194% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 4,064 |
| 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 | 52.8883% | 4,296 |
| Net loans and leases to deposits | 58.7413% | 4,487 |
| Net loans and leases to core deposits | 60.8866% | 4,545 |
| Total domestic deposits to total assets | 90.0360% | 322 |
| Equity capital to assets | 8.5937% | 5,007 |
| Core capital (leverage) ratio | 8.6303% | 4,890 |
| Tier 1 risk-based capital ratio | 12.3008% | 4,239 |
| Total risk-based capital ratio | 12.9934% | 4,450 |
| Memoranda: | ||
| Average total assets | $64,376,330 | 4,620 |
| Average earning assets | $57,790,330 | 4,653 |
| Average equity | $5,646,000 | 4,895 |
| Average total loans | $35,329,330 | 4,616 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3194% | 3,503 |
| Cost of funding earning assets | 0.7257% | 2,913 |
| Net interest margin | 3.5937% | 3,271 |
| Noninterest income to average assets | 0.0689% | 5,166 |
| Noninterest expense to average assets | 2.0154% | 4,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9326% | 3,115 |
| Return on assets (ROA) | 0.9326% | 3,153 |
| Pretax return on assets | 1.2769% | 2,541 |
| Return on Equity (ROE) | 10.5254% | 2,148 |
| Retained earnings to average equity (ytd only) | 10.5254% | 921 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2167% | 3,648 |
| Assets per employee ($millions) | 8.1059% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9411% | 3,991 |
| Loan loss allowance to noncurrent loans | 518.0328% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 4,341 |
| Noncurrent loans to loans | 0.1817% | 3,941 |
| Net loans and leases to total assets | 51.2946% | 4,386 |
| Net loans and leases to deposits | 57.0941% | 4,541 |
| Net loans and leases to core deposits | 57.6602% | 4,655 |
| Total domestic deposits to total assets | 89.8422% | 514 |
| Equity capital to assets | 8.8470% | 4,784 |
| Core capital (leverage) ratio | 8.9721% | 4,673 |
| Tier 1 risk-based capital ratio | 12.4986% | 4,170 |
| Total risk-based capital ratio | 13.1871% | 4,392 |
| Memoranda: | ||
| Average total assets | $63,907,000 | 4,677 |
| Average earning assets | $57,322,500 | 4,713 |
| Average equity | $5,662,500 | 4,935 |
| Average total loans | $35,564,000 | 4,649 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0832% | 3,789 |
| Cost of funding earning assets | 0.4363% | 3,765 |
| Net interest margin | 3.6469% | 3,238 |
| Noninterest income to average assets | 0.1853% | 4,801 |
| Noninterest expense to average assets | 2.1503% | 4,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9921% | 3,044 |
| Return on assets (ROA) | 0.9921% | 3,038 |
| Pretax return on assets | 1.3068% | 2,471 |
| Return on Equity (ROE) | 11.3749% | 1,947 |
| Retained earnings to average equity (ytd only) | 1.7584% | 4,444 |
| Net charge-offs to loans | -0.0110% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1996% | 3,487 |
| Assets per employee ($millions) | 7.8709% | 687 |
| Cash dividends to net income (ytd only)* | 84.5411% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 4,387 |
| Loan loss allowance to noncurrent loans | 102.2654% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.4907% | 2,612 |
| Noncurrent loans to loans | 0.8229% | 1,957 |
| Net loans and leases to total assets | 59.1310% | 3,856 |
| Net loans and leases to deposits | 65.6875% | 4,142 |
| Net loans and leases to core deposits | 66.0043% | 4,356 |
| Total domestic deposits to total assets | 90.0186% | 474 |
| Equity capital to assets | 8.8745% | 4,677 |
| Core capital (leverage) ratio | 9.0629% | 4,591 |
| Tier 1 risk-based capital ratio | 13.6011% | 3,494 |
| Total risk-based capital ratio | 14.3702% | 3,665 |
| Memoranda: | ||
| Average total assets | $62,594,800 | 4,707 |
| Average earning assets | $56,156,800 | 4,745 |
| Average equity | $5,459,400 | 4,979 |
| Average total loans | $36,205,200 | 4,651 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9950% | 3,948 |
| Cost of funding earning assets | 0.3888% | 3,944 |
| Net interest margin | 3.6062% | 3,344 |
| Noninterest income to average assets | 0.1472% | 5,038 |
| Noninterest expense to average assets | 2.1353% | 4,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8896% | 3,585 |
| Return on assets (ROA) | 0.8896% | 3,585 |
| Pretax return on assets | 1.2565% | 2,789 |
| Return on Equity (ROE) | 10.2444% | 2,505 |
| Retained earnings to average equity (ytd only) | -2.6533% | 5,232 |
| Net charge-offs to loans | -0.0149% | 4,515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9560% | 3,344 |
| Assets per employee ($millions) | 7.5000% | 771 |
| Cash dividends to net income (ytd only)* | 125.8979% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 4,413 |
| Loan loss allowance to noncurrent loans | 80.8184% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 0.6517% | 2,239 |
| Noncurrent loans to loans | 1.0654% | 1,602 |
| Net loans and leases to total assets | 60.6383% | 3,782 |
| Net loans and leases to deposits | 67.6163% | 4,084 |
| Net loans and leases to core deposits | 67.9586% | 4,298 |
| Total domestic deposits to total assets | 89.6800% | 606 |
| Equity capital to assets | 8.9733% | 4,569 |
| Core capital (leverage) ratio | 8.8003% | 4,884 |
| Tier 1 risk-based capital ratio | 14.2895% | 3,215 |
| Total risk-based capital ratio | 15.1282% | 3,336 |
| Memoranda: | ||
| Average total assets | $62,501,750 | 4,761 |
| Average earning assets | $56,235,750 | 4,797 |
| Average equity | $5,427,250 | 5,041 |
| Average total loans | $35,869,250 | 4,712 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8586% | 4,193 |
| Cost of funding earning assets | 0.3610% | 4,005 |
| Net interest margin | 3.4976% | 3,634 |
| Noninterest income to average assets | 0.1295% | 5,158 |
| Noninterest expense to average assets | 2.1347% | 4,531 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7989% | 3,858 |
| Return on assets (ROA) | 0.7989% | 3,860 |
| Pretax return on assets | 1.1463% | 3,145 |
| Return on Equity (ROE) | 9.2986% | 2,896 |
| Retained earnings to average equity (ytd only) | -9.9969% | 5,416 |
| Net charge-offs to loans | -0.0225% | 4,615 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0626% | 3,148 |
| Assets per employee ($millions) | 7.7920% | 677 |
| Cash dividends to net income (ytd only)* | 207.5099% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 4,426 |
| Loan loss allowance to noncurrent loans | 31,600.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 5,062 |
| Noncurrent loans to loans | 0.0028% | 4,963 |
| Net loans and leases to total assets | 57.1484% | 4,073 |
| Net loans and leases to deposits | 63.1251% | 4,344 |
| Net loans and leases to core deposits | 63.4297% | 4,524 |
| Total domestic deposits to total assets | 90.5320% | 391 |
| Equity capital to assets | 8.3740% | 5,036 |
| Core capital (leverage) ratio | 8.2187% | 5,251 |
| Tier 1 risk-based capital ratio | 12.8543% | 3,980 |
| Total risk-based capital ratio | 13.6324% | 4,146 |
| Memoranda: | ||
| Average total assets | $63,335,670 | 4,797 |
| Average earning assets | $57,067,330 | 4,837 |
| Average equity | $5,441,670 | 5,091 |
| Average total loans | $35,592,670 | 4,761 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7240% | 4,417 |
| Cost of funding earning assets | 0.3126% | 4,250 |
| Net interest margin | 3.4114% | 3,846 |
| Noninterest income to average assets | 0.1003% | 5,330 |
| Noninterest expense to average assets | 2.1367% | 4,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7582% | 3,881 |
| Return on assets (ROA) | 0.7582% | 3,881 |
| Pretax return on assets | 1.0402% | 3,395 |
| Return on Equity (ROE) | 8.7168% | 3,048 |
| Retained earnings to average equity (ytd only) | 8.7168% | 1,570 |
| Net charge-offs to loans | -0.0452% | 4,925 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2584% | 2,960 |
| Assets per employee ($millions) | 7.1468% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 4,291 |
| Loan loss allowance to noncurrent loans | 478.7879% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 4,568 |
| Noncurrent loans to loans | 0.1948% | 4,090 |
| Net loans and leases to total assets | 52.1851% | 4,424 |
| Net loans and leases to deposits | 57.8206% | 4,595 |
| Net loans and leases to core deposits | 58.3858% | 4,733 |
| Total domestic deposits to total assets | 90.2536% | 562 |
| Equity capital to assets | 8.7265% | 4,805 |
| Core capital (leverage) ratio | 8.9132% | 4,786 |
| Tier 1 risk-based capital ratio | 12.8432% | 4,039 |
| Total risk-based capital ratio | 13.5663% | 4,263 |
| Memoranda: | ||
| Average total assets | $63,835,500 | 4,850 |
| Average earning assets | $57,572,500 | 4,884 |
| Average equity | $5,552,500 | 5,128 |
| Average total loans | $35,419,000 | 4,817 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8324% | 3,939 |
| Cost of funding earning assets | 0.2996% | 4,151 |
| Net interest margin | 3.5328% | 3,411 |
| Noninterest income to average assets | 0.1419% | 5,236 |
| Noninterest expense to average assets | 2.1338% | 4,688 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7752% | 3,274 |
| Return on assets (ROA) | 0.7752% | 3,313 |
| Pretax return on assets | 1.0794% | 3,265 |
| Return on Equity (ROE) | 9.0216% | 2,308 |
| Retained earnings to average equity (ytd only) | 0.6353% | 4,789 |
| Net charge-offs to loans | 0.0575% | 2,658 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 32.9524% | 1,450 |
| Efficiency ratio | 66.4078% | 3,188 |
| Assets per employee ($millions) | 7.0389% | 955 |
| Cash dividends to net income (ytd only)* | 92.9577% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8442% | 4,683 |
| 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 | 57.8437% | 4,019 |
| Net loans and leases to deposits | 63.9076% | 4,322 |
| Net loans and leases to core deposits | 64.5402% | 4,499 |
| Total domestic deposits to total assets | 90.5114% | 395 |
| Equity capital to assets | 8.6693% | 4,976 |
| Core capital (leverage) ratio | 8.2537% | 5,318 |
| Tier 1 risk-based capital ratio | 13.1539% | 3,816 |
| Total risk-based capital ratio | 13.9011% | 4,007 |
| Memoranda: | ||
| Average total assets | $64,111,000 | 4,877 |
| Average earning assets | $55,735,400 | 4,960 |
| Average equity | $5,509,000 | 5,183 |
| Average total loans | $36,519,400 | 4,834 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8197% | 3,939 |
| Cost of funding earning assets | 0.2988% | 4,142 |
| Net interest margin | 3.5209% | 3,423 |
| Noninterest income to average assets | 0.1410% | 5,302 |
| Noninterest expense to average assets | 2.1191% | 4,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7714% | 3,641 |
| Return on assets (ROA) | 0.7714% | 3,693 |
| Pretax return on assets | 1.0513% | 3,486 |
| Return on Equity (ROE) | 8.9963% | 2,601 |
| Retained earnings to average equity (ytd only) | 2.9021% | 4,175 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8411% | 3,074 |
| Assets per employee ($millions) | 7.1950% | 869 |
| Cash dividends to net income (ytd only)* | 67.7413% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8753% | 4,673 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 5,189 |
| Noncurrent loans to loans | 0.0237% | 5,013 |
| Net loans and leases to total assets | 58.2349% | 4,037 |
| Net loans and leases to deposits | 64.4704% | 4,350 |
| Net loans and leases to core deposits | 65.0936% | 4,545 |
| Total domestic deposits to total assets | 90.3282% | 370 |
| Equity capital to assets | 8.6109% | 5,218 |
| Core capital (leverage) ratio | 8.7922% | 4,977 |
| Tier 1 risk-based capital ratio | 12.6251% | 4,248 |
| Total risk-based capital ratio | 13.3791% | 4,428 |
| Memoranda: | ||
| Average total assets | $64,301,250 | 4,926 |
| Average earning assets | $55,325,250 | 5,023 |
| Average equity | $5,513,250 | 5,240 |
| Average total loans | $36,410,250 | 4,884 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7995% | 3,897 |
| Cost of funding earning assets | 0.3019% | 4,062 |
| Net interest margin | 3.4976% | 3,407 |
| Noninterest income to average assets | 0.1309% | 5,399 |
| Noninterest expense to average assets | 2.0982% | 4,776 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7482% | 3,643 |
| Return on assets (ROA) | 0.7482% | 3,700 |
| Pretax return on assets | 0.9945% | 3,587 |
| Return on Equity (ROE) | 8.7395% | 2,638 |
| Retained earnings to average equity (ytd only) | -0.4370% | 5,155 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8427% | 3,041 |
| Assets per employee ($millions) | 7.8778% | 650 |
| Cash dividends to net income (ytd only)* | 105.0000% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 4,600 |
| 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 | 57.5656% | 4,076 |
| Net loans and leases to deposits | 63.6407% | 4,394 |
| Net loans and leases to core deposits | 64.2732% | 4,581 |
| Total domestic deposits to total assets | 90.4541% | 375 |
| Equity capital to assets | 8.6398% | 5,194 |
| Core capital (leverage) ratio | 8.4527% | 5,255 |
| Tier 1 risk-based capital ratio | 13.8921% | 3,480 |
| Total risk-based capital ratio | 14.7417% | 3,617 |
| Memoranda: | ||
| Average total assets | $64,150,000 | 4,968 |
| Average earning assets | $54,323,000 | 5,080 |
| Average equity | $5,492,330 | 5,277 |
| Average total loans | $35,866,000 | 4,930 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8763% | 3,480 |
| Cost of funding earning assets | 0.3104% | 3,935 |
| Net interest margin | 3.5659% | 3,026 |
| Noninterest income to average assets | 0.1174% | 5,522 |
| Noninterest expense to average assets | 2.0583% | 4,925 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7294% | 3,562 |
| Return on assets (ROA) | 0.7294% | 3,612 |
| Pretax return on assets | 0.9704% | 3,493 |
| Return on Equity (ROE) | 8.5569% | 2,644 |
| Retained earnings to average equity (ytd only) | 8.5569% | 1,253 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9592% | 3,205 |
| Assets per employee ($millions) | 8.1399% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 4,224 |
| 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 | 50.1436% | 4,659 |
| Net loans and leases to deposits | 55.3807% | 4,853 |
| Net loans and leases to core deposits | 55.9108% | 4,980 |
| Total domestic deposits to total assets | 90.5435% | 454 |
| Equity capital to assets | 8.5612% | 5,194 |
| Core capital (leverage) ratio | 8.6427% | 5,111 |
| Tier 1 risk-based capital ratio | 15.3984% | 2,797 |
| Total risk-based capital ratio | 16.3182% | 2,867 |
| Memoranda: | ||
| Average total assets | $64,714,000 | 5,015 |
| Average earning assets | $52,834,500 | 5,158 |
| Average equity | $5,516,000 | 5,320 |
| Average total loans | $35,493,000 | 4,983 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9385% | 3,422 |
| Cost of funding earning assets | 0.3034% | 4,032 |
| Net interest margin | 3.6351% | 2,938 |
| Noninterest income to average assets | 0.1480% | 5,458 |
| Noninterest expense to average assets | 2.1343% | 4,928 |
| Loan and lease loss provision to assets | 0.0283% | 3,790 |
| Net operating income to assets | 0.8531% | 3,056 |
| Return on assets (ROA) | 0.8531% | 3,162 |
| Pretax return on assets | 1.1726% | 2,791 |
| Return on Equity (ROE) | 9.9746% | 1,966 |
| Retained earnings to average equity (ytd only) | 2.2452% | 4,256 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9924% | 3,941 |
| Assets per employee ($millions) | 8.0386% | 600 |
| Cash dividends to net income (ytd only)* | 77.4908% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8763% | 4,873 |
| 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 | 58.5719% | 4,016 |
| Net loans and leases to deposits | 64.5060% | 4,366 |
| Net loans and leases to core deposits | 65.1295% | 4,571 |
| Total domestic deposits to total assets | 90.8007% | 344 |
| Equity capital to assets | 8.4856% | 5,280 |
| Core capital (leverage) ratio | 8.3793% | 5,385 |
| Tier 1 risk-based capital ratio | 14.4030% | 3,237 |
| Total risk-based capital ratio | 15.2819% | 3,358 |
| Memoranda: | ||
| Average total assets | $63,534,600 | 5,062 |
| Average earning assets | $55,706,200 | 5,132 |
| Average equity | $5,433,800 | 5,386 |
| Average total loans | $38,020,000 | 4,948 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9094% | 3,552 |
| Cost of funding earning assets | 0.3055% | 4,037 |
| Net interest margin | 3.6039% | 3,061 |
| Noninterest income to average assets | 0.1389% | 5,564 |
| Noninterest expense to average assets | 2.1281% | 4,944 |
| Loan and lease loss provision to assets | 0.0210% | 3,816 |
| Net operating income to assets | 0.8294% | 3,239 |
| Return on assets (ROA) | 0.8294% | 3,368 |
| Pretax return on assets | 1.1682% | 2,977 |
| Return on Equity (ROE) | 9.6780% | 2,194 |
| Retained earnings to average equity (ytd only) | 4.5197% | 3,125 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1497% | 3,906 |
| Assets per employee ($millions) | 8.0009% | 591 |
| Cash dividends to net income (ytd only)* | 53.2989% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8075% | 5,170 |
| 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 | 62.3729% | 3,603 |
| Net loans and leases to deposits | 68.9421% | 4,070 |
| Net loans and leases to core deposits | 69.6117% | 4,353 |
| Total domestic deposits to total assets | 90.4714% | 329 |
| Equity capital to assets | 8.6225% | 5,452 |
| Core capital (leverage) ratio | 8.6602% | 5,200 |
| Tier 1 risk-based capital ratio | 14.2448% | 3,435 |
| Total risk-based capital ratio | 15.0836% | 3,574 |
| Memoranda: | ||
| Average total assets | $63,341,000 | 5,113 |
| Average earning assets | $55,863,750 | 5,176 |
| Average equity | $5,428,000 | 5,441 |
| Average total loans | $38,025,000 | 4,987 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8498% | 3,778 |
| Cost of funding earning assets | 0.3031% | 4,090 |
| Net interest margin | 3.5467% | 3,303 |
| Noninterest income to average assets | 0.1141% | 5,728 |
| Noninterest expense to average assets | 2.1008% | 5,057 |
| Loan and lease loss provision to assets | 0.0158% | 3,795 |
| Net operating income to assets | 0.8333% | 3,160 |
| Return on assets (ROA) | 0.8333% | 3,295 |
| Pretax return on assets | 1.1122% | 3,152 |
| Return on Equity (ROE) | 9.7449% | 2,165 |
| Retained earnings to average equity (ytd only) | 1.9638% | 4,582 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0638% | 3,837 |
| Assets per employee ($millions) | 7.8716% | 601 |
| Cash dividends to net income (ytd only)* | 79.8479% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8184% | 5,230 |
| 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 | 61.5835% | 3,672 |
| Net loans and leases to deposits | 67.8796% | 4,193 |
| Net loans and leases to core deposits | 68.5479% | 4,433 |
| Total domestic deposits to total assets | 90.7246% | 254 |
| Equity capital to assets | 8.5560% | 5,566 |
| Core capital (leverage) ratio | 8.3700% | 5,470 |
| Tier 1 risk-based capital ratio | 14.1748% | 3,512 |
| Total risk-based capital ratio | 15.0167% | 3,660 |
| Memoranda: | ||
| Average total assets | $63,119,000 | 5,168 |
| Average earning assets | $55,431,670 | 5,237 |
| Average equity | $5,397,670 | 5,500 |
| Average total loans | $37,284,000 | 5,067 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9234% | 3,491 |
| Cost of funding earning assets | 0.2922% | 4,257 |
| Net interest margin | 3.6311% | 2,963 |
| Noninterest income to average assets | 0.0760% | 5,889 |
| Noninterest expense to average assets | 2.0572% | 5,206 |
| Loan and lease loss provision to assets | 0.0316% | 3,244 |
| Net operating income to assets | 0.8609% | 2,944 |
| Return on assets (ROA) | 0.8609% | 3,057 |
| Pretax return on assets | 1.1331% | 2,960 |
| Return on Equity (ROE) | 10.0694% | 1,956 |
| Retained earnings to average equity (ytd only) | 10.0694% | 831 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8507% | 4,148 |
| Assets per employee ($millions) | 7.9465% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 4,904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 53.0532% | 4,533 |
| Net loans and leases to deposits | 58.5223% | 4,818 |
| Net loans and leases to core deposits | 59.0914% | 4,993 |
| Total domestic deposits to total assets | 90.6547% | 379 |
| Equity capital to assets | 8.6044% | 5,490 |
| Core capital (leverage) ratio | 8.6248% | 5,262 |
| Tier 1 risk-based capital ratio | 15.2444% | 3,043 |
| Total risk-based capital ratio | 16.1362% | 3,146 |
| Memoranda: | ||
| Average total assets | $63,192,000 | 5,218 |
| Average earning assets | $54,748,500 | 5,301 |
| Average equity | $5,402,500 | 5,527 |
| Average total loans | $36,375,500 | 5,134 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0314% | 3,190 |
| Cost of funding earning assets | 0.2829% | 4,447 |
| Net interest margin | 3.7485% | 2,563 |
| Noninterest income to average assets | 0.1085% | 5,848 |
| Noninterest expense to average assets | 1.9818% | 5,496 |
| Loan and lease loss provision to assets | 0.0622% | 3,055 |
| Net operating income to assets | 0.7675% | 3,479 |
| Return on assets (ROA) | 0.7675% | 3,566 |
| Pretax return on assets | 1.2989% | 2,289 |
| Return on Equity (ROE) | 9.0048% | 2,453 |
| Retained earnings to average equity (ytd only) | 1.1420% | 5,060 |
| Net charge-offs to loans | 0.0825% | 2,655 |
| Credit loss provision to net charge-offs | 130.0000% | 2,013 |
| Earnings coverage of net charge-offs (x) | 28.4333% | 1,507 |
| Efficiency ratio | 59.2840% | 4,998 |
| Assets per employee ($millions) | 7.8515% | 604 |
| Cash dividends to net income (ytd only)* | 87.3181% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8139% | 5,374 |
| 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 | 61.1173% | 3,674 |
| Net loans and leases to deposits | 67.2065% | 4,198 |
| Net loans and leases to core deposits | 67.8659% | 4,457 |
| Total domestic deposits to total assets | 90.9396% | 295 |
| Equity capital to assets | 8.4936% | 5,568 |
| Core capital (leverage) ratio | 8.5509% | 5,377 |
| Tier 1 risk-based capital ratio | 12.6048% | 4,569 |
| Total risk-based capital ratio | 13.3491% | 4,788 |
| Memoranda: | ||
| Average total assets | $62,670,200 | 5,252 |
| Average earning assets | $54,075,400 | 5,339 |
| Average equity | $5,341,600 | 5,574 |
| Average total loans | $36,359,400 | 5,142 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0378% | 3,178 |
| Cost of funding earning assets | 0.2852% | 4,501 |
| Net interest margin | 3.7526% | 2,550 |
| Noninterest income to average assets | 0.1064% | 5,935 |
| Noninterest expense to average assets | 1.9861% | 5,506 |
| Loan and lease loss provision to assets | 0.0724% | 2,728 |
| Net operating income to assets | 0.6705% | 4,033 |
| Return on assets (ROA) | 0.6705% | 4,143 |
| Pretax return on assets | 1.2410% | 2,643 |
| Return on Equity (ROE) | 7.8602% | 3,162 |
| Retained earnings to average equity (ytd only) | 3.9177% | 3,675 |
| Net charge-offs to loans | 0.1118% | 2,014 |
| Credit loss provision to net charge-offs | 113.3333% | 2,074 |
| Earnings coverage of net charge-offs (x) | 20.5663% | 1,864 |
| Efficiency ratio | 60.1935% | 4,868 |
| Assets per employee ($millions) | 7.6550% | 633 |
| Cash dividends to net income (ytd only)* | 50.1583% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8151% | 5,480 |
| 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 | 61.5986% | 3,661 |
| Net loans and leases to deposits | 68.2411% | 4,170 |
| Net loans and leases to core deposits | 68.5748% | 4,492 |
| Total domestic deposits to total assets | 90.2662% | 481 |
| Equity capital to assets | 8.8684% | 5,427 |
| Core capital (leverage) ratio | 8.8031% | 5,234 |
| Tier 1 risk-based capital ratio | 13.1222% | 4,365 |
| Total risk-based capital ratio | 13.8712% | 4,576 |
| Memoranda: | ||
| Average total assets | $62,634,750 | 5,324 |
| Average earning assets | $53,294,750 | 5,424 |
| Average equity | $5,343,250 | 5,643 |
| Average total loans | $35,773,250 | 5,225 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8551% | 3,843 |
| Cost of funding earning assets | 0.2904% | 4,502 |
| Net interest margin | 3.5647% | 3,230 |
| Noninterest income to average assets | 0.1141% | 5,976 |
| Noninterest expense to average assets | 1.9430% | 5,649 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4691% | 4,895 |
| Return on assets (ROA) | 0.4691% | 4,994 |
| Pretax return on assets | 1.1284% | 3,060 |
| Return on Equity (ROE) | 5.5702% | 4,337 |
| Retained earnings to average equity (ytd only) | -0.3764% | 5,583 |
| Net charge-offs to loans | 0.1713% | 1,441 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 11.8667% | 2,254 |
| Efficiency ratio | 63.2611% | 4,472 |
| Assets per employee ($millions) | 7.9649% | 529 |
| Cash dividends to net income (ytd only)* | 106.7568% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7615% | 5,690 |
| Loan loss allowance to noncurrent loans | 60.0000% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 0.7219% | 3,224 |
| Noncurrent loans to loans | 1.2691% | 2,121 |
| Net loans and leases to total assets | 56.4494% | 4,291 |
| Net loans and leases to deposits | 61.9899% | 4,701 |
| Net loans and leases to core deposits | 62.2786% | 4,926 |
| Total domestic deposits to total assets | 91.0623% | 280 |
| Equity capital to assets | 8.2613% | 5,849 |
| Core capital (leverage) ratio | 8.1820% | 5,801 |
| Tier 1 risk-based capital ratio | 11.9036% | 5,214 |
| Total risk-based capital ratio | 12.5277% | 5,511 |
| Memoranda: | ||
| Average total assets | $63,099,670 | 5,369 |
| Average earning assets | $52,346,000 | 5,503 |
| Average equity | $5,314,000 | 5,700 |
| Average total loans | $35,020,000 | 5,295 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8811% | 3,697 |
| Cost of funding earning assets | 0.2866% | 4,593 |
| Net interest margin | 3.5945% | 3,026 |
| Noninterest income to average assets | 0.1019% | 6,073 |
| Noninterest expense to average assets | 1.9748% | 5,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8409% | 3,058 |
| Return on assets (ROA) | 0.8409% | 3,185 |
| Pretax return on assets | 1.0830% | 3,149 |
| Return on Equity (ROE) | 9.8895% | 2,055 |
| Retained earnings to average equity (ytd only) | 9.8895% | 954 |
| Net charge-offs to loans | 0.3488% | 699 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,366 |
| Efficiency ratio | 64.5833% | 4,384 |
| Assets per employee ($millions) | 8.0213% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8259% | 5,626 |
| Loan loss allowance to noncurrent loans | 45.9235% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 0.9366% | 2,756 |
| Noncurrent loans to loans | 1.7985% | 1,511 |
| Net loans and leases to total assets | 51.6456% | 4,690 |
| Net loans and leases to deposits | 56.7716% | 5,000 |
| Net loans and leases to core deposits | 57.0344% | 5,185 |
| Total domestic deposits to total assets | 90.9709% | 379 |
| Equity capital to assets | 8.4229% | 5,792 |
| Core capital (leverage) ratio | 8.5002% | 5,518 |
| Tier 1 risk-based capital ratio | 11.5734% | 5,509 |
| Total risk-based capital ratio | 12.1644% | 5,772 |
| Memoranda: | ||
| Average total assets | $62,790,000 | 5,433 |
| Average earning assets | $51,634,500 | 5,575 |
| Average equity | $5,339,000 | 5,749 |
| Average total loans | $34,407,500 | 5,355 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 3,166 |
| Cost of funding earning assets | 0.3157% | 4,628 |
| Net interest margin | 3.8246% | 2,532 |
| Noninterest income to average assets | 0.1546% | 5,923 |
| Noninterest expense to average assets | 2.1421% | 5,476 |
| Loan and lease loss provision to assets | 0.0081% | 4,460 |
| Net operating income to assets | 0.8822% | 2,958 |
| Return on assets (ROA) | 0.8822% | 3,047 |
| Pretax return on assets | 1.0613% | 3,253 |
| Return on Equity (ROE) | 10.4079% | 1,952 |
| Retained earnings to average equity (ytd only) | 3.3413% | 3,840 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7005% | 4,111 |
| Assets per employee ($millions) | 7.6763% | 612 |
| Cash dividends to net income (ytd only)* | 67.8967% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8645% | 5,588 |
| 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 | 57.1438% | 4,175 |
| Net loans and leases to deposits | 62.8934% | 4,649 |
| Net loans and leases to core deposits | 63.1981% | 4,902 |
| Total domestic deposits to total assets | 90.8582% | 412 |
| Equity capital to assets | 8.5865% | 5,654 |
| Core capital (leverage) ratio | 8.5419% | 5,511 |
| Tier 1 risk-based capital ratio | 14.6692% | 3,683 |
| Total risk-based capital ratio | 15.5205% | 3,844 |
| Memoranda: | ||
| Average total assets | $61,435,600 | 5,513 |
| Average earning assets | $49,103,400 | 5,700 |
| Average equity | $5,207,600 | 5,810 |
| Average total loans | $33,263,000 | 5,436 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 3,380 |
| Cost of funding earning assets | 0.3257% | 4,606 |
| Net interest margin | 3.7733% | 2,720 |
| Noninterest income to average assets | 0.1476% | 6,032 |
| Noninterest expense to average assets | 2.0941% | 5,582 |
| Loan and lease loss provision to assets | 0.0109% | 4,200 |
| Net operating income to assets | 0.7942% | 3,447 |
| Return on assets (ROA) | 0.7942% | 3,554 |
| Pretax return on assets | 1.0091% | 3,558 |
| Return on Equity (ROE) | 9.4002% | 2,497 |
| Retained earnings to average equity (ytd only) | 5.3423% | 2,855 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2474% | 3,998 |
| Assets per employee ($millions) | 7.3446% | 688 |
| Cash dividends to net income (ytd only)* | 43.1689% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 5,759 |
| 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 | 61.1451% | 3,609 |
| Net loans and leases to deposits | 67.8431% | 4,145 |
| Net loans and leases to core deposits | 68.1895% | 4,492 |
| Total domestic deposits to total assets | 90.1271% | 672 |
| Equity capital to assets | 9.0321% | 5,317 |
| Core capital (leverage) ratio | 8.9773% | 5,105 |
| Tier 1 risk-based capital ratio | 14.4067% | 3,939 |
| Total risk-based capital ratio | 15.2374% | 4,165 |
| Memoranda: | ||
| Average total assets | $61,442,000 | 5,580 |
| Average earning assets | $48,303,250 | 5,780 |
| Average equity | $5,191,250 | 5,879 |
| Average total loans | $32,729,250 | 5,508 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9875% | 3,777 |
| Cost of funding earning assets | 0.3493% | 4,445 |
| Net interest margin | 3.6382% | 3,198 |
| Noninterest income to average assets | 0.1412% | 6,116 |
| Noninterest expense to average assets | 2.0341% | 5,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6930% | 3,881 |
| Return on assets (ROA) | 0.6930% | 3,972 |
| Pretax return on assets | 0.8470% | 4,090 |
| Return on Equity (ROE) | 8.3840% | 2,902 |
| Retained earnings to average equity (ytd only) | 2.2513% | 4,762 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6013% | 3,554 |
| Assets per employee ($millions) | 7.5483% | 611 |
| Cash dividends to net income (ytd only)* | 73.1481% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8821% | 5,775 |
| 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 | 56.0113% | 4,284 |
| Net loans and leases to deposits | 61.6814% | 4,722 |
| Net loans and leases to core deposits | 62.3316% | 4,944 |
| Total domestic deposits to total assets | 90.8075% | 471 |
| Equity capital to assets | 8.5401% | 5,769 |
| Core capital (leverage) ratio | 8.1196% | 6,007 |
| Tier 1 risk-based capital ratio | 14.5624% | 3,890 |
| Total risk-based capital ratio | 15.4124% | 4,082 |
| Memoranda: | ||
| Average total assets | $62,337,000 | 5,603 |
| Average earning assets | $46,946,330 | 5,862 |
| Average equity | $5,152,670 | 5,920 |
| Average total loans | $31,561,330 | 5,603 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0663% | 3,416 |
| Cost of funding earning assets | 0.3689% | 4,330 |
| Net interest margin | 3.6974% | 2,874 |
| Noninterest income to average assets | 0.1327% | 6,183 |
| Noninterest expense to average assets | 1.9964% | 5,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6571% | 3,908 |
| Return on assets (ROA) | 0.6571% | 4,008 |
| Pretax return on assets | 0.7961% | 4,129 |
| Return on Equity (ROE) | 8.0769% | 2,886 |
| Retained earnings to average equity (ytd only) | 8.0769% | 1,564 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4932% | 3,580 |
| Assets per employee ($millions) | 8.1326% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 5,375 |
| 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 | 44.2001% | 5,490 |
| Net loans and leases to deposits | 48.3612% | 5,711 |
| Net loans and leases to core deposits | 48.8301% | 5,835 |
| Total domestic deposits to total assets | 91.3958% | 419 |
| Equity capital to assets | 7.9956% | 6,065 |
| Core capital (leverage) ratio | 8.1201% | 6,020 |
| Tier 1 risk-based capital ratio | 15.2699% | 3,564 |
| Total risk-based capital ratio | 16.1535% | 3,716 |
| Memoranda: | ||
| Average total assets | $63,312,500 | 5,635 |
| Average earning assets | $45,545,000 | 5,953 |
| Average equity | $5,150,500 | 5,957 |
| Average total loans | $30,280,000 | 5,708 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2609% | 3,106 |
| Cost of funding earning assets | 0.4228% | 4,405 |
| Net interest margin | 3.8382% | 2,509 |
| Noninterest income to average assets | 0.1731% | 6,047 |
| Noninterest expense to average assets | 2.0523% | 5,918 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8912% | 2,828 |
| Return on assets (ROA) | 0.8912% | 2,919 |
| Pretax return on assets | 1.0491% | 3,156 |
| Return on Equity (ROE) | 10.4490% | 1,937 |
| Retained earnings to average equity (ytd only) | 4.1796% | 3,204 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1741% | 4,526 |
| Assets per employee ($millions) | 5.5967% | 1,568 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 5,740 |
| 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 | 50.6806% | 5,008 |
| Net loans and leases to deposits | 55.6098% | 5,338 |
| Net loans and leases to core deposits | 56.1806% | 5,519 |
| Total domestic deposits to total assets | 91.1361% | 520 |
| Equity capital to assets | 8.2824% | 5,789 |
| Core capital (leverage) ratio | 8.3738% | 5,809 |
| Tier 1 risk-based capital ratio | 14.8007% | 3,781 |
| Total risk-based capital ratio | 15.6744% | 3,945 |
| Memoranda: | ||
| Average total assets | $58,908,600 | 5,784 |
| Average earning assets | $44,943,400 | 6,022 |
| Average equity | $5,024,400 | 6,060 |
| Average total loans | $30,145,800 | 5,756 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 3,163 |
| Cost of funding earning assets | 0.4408% | 4,374 |
| Net interest margin | 3.8173% | 2,583 |
| Noninterest income to average assets | 0.1717% | 6,157 |
| Noninterest expense to average assets | 2.0808% | 5,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7898% | 3,399 |
| Return on assets (ROA) | 0.7898% | 3,531 |
| Pretax return on assets | 1.0049% | 3,484 |
| Return on Equity (ROE) | 9.1892% | 2,546 |
| Retained earnings to average equity (ytd only) | 6.3924% | 2,190 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4332% | 4,200 |
| Assets per employee ($millions) | 5.4254% | 1,705 |
| Cash dividends to net income (ytd only)* | 30.4354% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 5,866 |
| 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 | 51.7686% | 4,898 |
| Net loans and leases to deposits | 57.2257% | 5,262 |
| Net loans and leases to core deposits | 57.8363% | 5,463 |
| Total domestic deposits to total assets | 90.4640% | 753 |
| Equity capital to assets | 8.5943% | 5,630 |
| Core capital (leverage) ratio | 8.6819% | 5,564 |
| Tier 1 risk-based capital ratio | 15.0045% | 3,749 |
| Total risk-based capital ratio | 15.8851% | 3,940 |
| Memoranda: | ||
| Average total assets | $58,244,750 | 5,866 |
| Average earning assets | $44,462,750 | 6,107 |
| Average equity | $5,005,750 | 6,134 |
| Average total loans | $29,806,750 | 5,828 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2180% | 3,292 |
| Cost of funding earning assets | 0.4636% | 4,275 |
| Net interest margin | 3.7543% | 2,746 |
| Noninterest income to average assets | 0.1662% | 6,222 |
| Noninterest expense to average assets | 2.0773% | 5,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7617% | 3,508 |
| Return on assets (ROA) | 0.7617% | 3,659 |
| Pretax return on assets | 0.9486% | 3,721 |
| Return on Equity (ROE) | 8.8626% | 2,671 |
| Retained earnings to average equity (ytd only) | 4.6327% | 3,310 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6499% | 4,071 |
| Assets per employee ($millions) | 5.3024% | 1,788 |
| Cash dividends to net income (ytd only)* | 47.7273% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 5,793 |
| Loan loss allowance to noncurrent loans | 885.2941% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 6,325 |
| Noncurrent loans to loans | 0.1136% | 6,052 |
| Net loans and leases to total assets | 50.7835% | 5,022 |
| Net loans and leases to deposits | 56.0486% | 5,340 |
| Net loans and leases to core deposits | 56.6565% | 5,549 |
| Total domestic deposits to total assets | 90.6062% | 702 |
| Equity capital to assets | 8.5794% | 5,687 |
| Core capital (leverage) ratio | 8.4118% | 5,762 |
| Tier 1 risk-based capital ratio | 15.3875% | 3,539 |
| Total risk-based capital ratio | 16.3130% | 3,706 |
| Memoranda: | ||
| Average total assets | $57,766,670 | 5,921 |
| Average earning assets | $44,002,330 | 6,157 |
| Average equity | $4,964,670 | 6,192 |
| Average total loans | $29,343,670 | 5,877 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 3,090 |
| Cost of funding earning assets | 0.4817% | 4,268 |
| Net interest margin | 3.7715% | 2,557 |
| Noninterest income to average assets | 0.1740% | 6,215 |
| Noninterest expense to average assets | 2.0874% | 5,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7793% | 3,285 |
| Return on assets (ROA) | 0.7793% | 3,419 |
| Pretax return on assets | 0.9741% | 3,465 |
| Return on Equity (ROE) | 9.0597% | 2,462 |
| Retained earnings to average equity (ytd only) | 9.0597% | 1,362 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1818% | 4,278 |
| Assets per employee ($millions) | 5.3420% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 5,740 |
| 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 | 47.7196% | 5,256 |
| Net loans and leases to deposits | 52.6009% | 5,565 |
| Net loans and leases to core deposits | 53.1664% | 5,735 |
| Total domestic deposits to total assets | 90.7202% | 664 |
| Equity capital to assets | 8.5106% | 6,011 |
| Core capital (leverage) ratio | 8.5673% | 5,484 |
| Tier 1 risk-based capital ratio | 15.4954% | 3,528 |
| Total risk-based capital ratio | 16.4281% | 3,672 |
| Memoranda: | ||
| Average total assets | $57,487,000 | 5,979 |
| Average earning assets | $44,014,000 | 6,210 |
| Average equity | $4,945,000 | 6,265 |
| Average total loans | $29,055,000 | 5,930 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5004% | 3,387 |
| Cost of funding earning assets | 0.4983% | 5,228 |
| Net interest margin | 4.0021% | 2,379 |
| Noninterest income to average assets | 0.1827% | 6,092 |
| Noninterest expense to average assets | 2.1959% | 5,930 |
| Loan and lease loss provision to assets | 0.0543% | 5,127 |
| Net operating income to assets | 0.9460% | 2,569 |
| Return on assets (ROA) | 0.9460% | 2,824 |
| Pretax return on assets | 1.2010% | 2,805 |
| Return on Equity (ROE) | 10.6240% | 1,931 |
| Retained earnings to average equity (ytd only) | 1.0157% | 5,371 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6268% | 4,954 |
| Assets per employee ($millions) | 5.1102% | 2,082 |
| Cash dividends to net income (ytd only)* | 90.4398% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 5,925 |
| 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 | 52.4212% | 4,857 |
| Net loans and leases to deposits | 57.8465% | 5,253 |
| Net loans and leases to core deposits | 58.1513% | 5,530 |
| Total domestic deposits to total assets | 90.6212% | 654 |
| Equity capital to assets | 8.6974% | 5,850 |
| Core capital (leverage) ratio | 8.7921% | 5,192 |
| Tier 1 risk-based capital ratio | 15.3087% | 3,539 |
| Total risk-based capital ratio | 16.2513% | 3,672 |
| Memoranda: | ||
| Average total assets | $55,286,000 | 6,039 |
| Average earning assets | $45,151,400 | 6,200 |
| Average equity | $4,922,800 | 6,316 |
| Average total loans | $29,510,400 | 5,976 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5129% | 3,585 |
| Cost of funding earning assets | 0.5132% | 5,351 |
| Net interest margin | 3.9996% | 2,502 |
| Noninterest income to average assets | 0.1671% | 6,302 |
| Noninterest expense to average assets | 2.1360% | 6,099 |
| Loan and lease loss provision to assets | 0.0727% | 4,754 |
| Net operating income to assets | 0.9566% | 2,715 |
| Return on assets (ROA) | 0.9566% | 2,935 |
| Pretax return on assets | 1.2424% | 2,815 |
| Return on Equity (ROE) | 10.6798% | 2,067 |
| Retained earnings to average equity (ytd only) | 5.0020% | 3,363 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8947% | 5,162 |
| Assets per employee ($millions) | 4.9522% | 2,248 |
| Cash dividends to net income (ytd only)* | 53.1643% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 6,141 |
| 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 | 55.5403% | 4,517 |
| Net loans and leases to deposits | 61.9066% | 4,977 |
| Net loans and leases to core deposits | 62.2454% | 5,335 |
| Total domestic deposits to total assets | 89.7162% | 990 |
| Equity capital to assets | 9.2209% | 5,571 |
| Core capital (leverage) ratio | 9.2920% | 4,597 |
| Tier 1 risk-based capital ratio | 15.7165% | 3,416 |
| Total risk-based capital ratio | 16.6583% | 3,548 |
| Memoranda: | ||
| Average total assets | $55,054,500 | 6,124 |
| Average earning assets | $45,203,000 | 6,270 |
| Average equity | $4,931,250 | 6,379 |
| Average total loans | $29,446,000 | 6,049 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4396% | 4,028 |
| Cost of funding earning assets | 0.5361% | 5,399 |
| Net interest margin | 3.9035% | 2,888 |
| Noninterest income to average assets | 0.1701% | 6,328 |
| Noninterest expense to average assets | 2.1250% | 6,186 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9557% | 2,634 |
| Return on assets (ROA) | 0.9557% | 2,888 |
| Pretax return on assets | 1.2344% | 2,783 |
| Return on Equity (ROE) | 10.7740% | 2,067 |
| Retained earnings to average equity (ytd only) | 2.2038% | 5,088 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2543% | 5,039 |
| Assets per employee ($millions) | 4.9667% | 2,218 |
| Cash dividends to net income (ytd only)* | 79.5455% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 6,482 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 55.1397% | 4,605 |
| Net loans and leases to deposits | 61.1775% | 5,105 |
| Net loans and leases to core deposits | 61.5097% | 5,433 |
| Total domestic deposits to total assets | 90.1307% | 853 |
| Equity capital to assets | 8.9541% | 5,751 |
| Core capital (leverage) ratio | 8.7146% | 5,354 |
| Tier 1 risk-based capital ratio | 15.8486% | 3,247 |
| Total risk-based capital ratio | 16.7266% | 3,421 |
| Memoranda: | ||
| Average total assets | $55,248,000 | 6,156 |
| Average earning assets | $45,139,330 | 6,310 |
| Average equity | $4,900,670 | 6,413 |
| Average total loans | $29,076,000 | 6,108 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4902% | 3,961 |
| Cost of funding earning assets | 0.5557% | 5,460 |
| Net interest margin | 3.9345% | 2,789 |
| Noninterest income to average assets | 0.1512% | 6,483 |
| Noninterest expense to average assets | 2.0592% | 6,362 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9648% | 2,617 |
| Return on assets (ROA) | 0.9648% | 2,814 |
| Pretax return on assets | 1.2528% | 2,713 |
| Return on Equity (ROE) | 10.9276% | 2,045 |
| Retained earnings to average equity (ytd only) | 10.9276% | 1,045 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1739% | 5,246 |
| Assets per employee ($millions) | 5.1628% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 6,324 |
| 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 | 48.2911% | 5,517 |
| Net loans and leases to deposits | 53.4017% | 5,869 |
| Net loans and leases to core deposits | 53.6798% | 6,079 |
| Total domestic deposits to total assets | 90.4298% | 847 |
| Equity capital to assets | 8.7549% | 5,800 |
| Core capital (leverage) ratio | 9.0418% | 4,774 |
| Tier 1 risk-based capital ratio | 16.4478% | 2,936 |
| Total risk-based capital ratio | 17.3443% | 3,092 |
| Memoranda: | ||
| Average total assets | $55,555,000 | 6,187 |
| Average earning assets | $44,630,500 | 6,377 |
| Average equity | $4,905,000 | 6,452 |
| Average total loans | $28,416,000 | 6,185 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8215% | 3,706 |
| Cost of funding earning assets | 0.9237% | 3,930 |
| Net interest margin | 3.8978% | 3,348 |
| Noninterest income to average assets | 0.1863% | 6,167 |
| Noninterest expense to average assets | 2.1401% | 6,408 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9518% | 2,402 |
| Return on assets (ROA) | 0.9518% | 2,530 |
| Pretax return on assets | 1.1902% | 2,494 |
| Return on Equity (ROE) | 10.7236% | 1,794 |
| Retained earnings to average equity (ytd only) | 4.1132% | 3,260 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2617% | 5,080 |
| Assets per employee ($millions) | 4.9381% | 2,292 |
| Cash dividends to net income (ytd only)* | 61.6438% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 6,464 |
| 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 | 53.1398% | 5,152 |
| Net loans and leases to deposits | 58.8109% | 5,619 |
| Net loans and leases to core deposits | 58.8109% | 5,948 |
| Total domestic deposits to total assets | 90.3570% | 786 |
| Equity capital to assets | 8.9066% | 5,667 |
| Core capital (leverage) ratio | 8.9448% | 4,872 |
| Tier 1 risk-based capital ratio | 16.0385% | 3,024 |
| Total risk-based capital ratio | 16.9368% | 3,178 |
| Memoranda: | ||
| Average total assets | $53,689,400 | 6,241 |
| Average earning assets | $43,306,400 | 6,410 |
| Average equity | $4,765,200 | 6,515 |
| Average total loans | $27,770,800 | 6,260 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 3,754 |
| Cost of funding earning assets | 1.0168% | 3,553 |
| Net interest margin | 3.8395% | 3,670 |
| Noninterest income to average assets | 0.1719% | 6,359 |
| Noninterest expense to average assets | 2.1694% | 6,346 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8419% | 2,977 |
| Return on assets (ROA) | 0.8419% | 3,126 |
| Pretax return on assets | 1.0685% | 3,135 |
| Return on Equity (ROE) | 9.4936% | 2,395 |
| Retained earnings to average equity (ytd only) | 6.5443% | 2,221 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0000% | 4,522 |
| Assets per employee ($millions) | 4.8904% | 2,342 |
| Cash dividends to net income (ytd only)* | 31.0655% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9145% | 6,557 |
| 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 | 54.5823% | 5,074 |
| Net loans and leases to deposits | 60.7293% | 5,551 |
| Net loans and leases to core deposits | 61.3818% | 5,868 |
| Total domestic deposits to total assets | 89.8781% | 936 |
| Equity capital to assets | 9.0623% | 5,674 |
| Core capital (leverage) ratio | 8.9309% | 5,049 |
| Tier 1 risk-based capital ratio | 16.6014% | 2,811 |
| Total risk-based capital ratio | 17.5243% | 2,944 |
| Memoranda: | ||
| Average total assets | $53,532,000 | 6,296 |
| Average earning assets | $42,748,000 | 6,491 |
| Average equity | $4,747,000 | 6,576 |
| Average total loans | $27,429,500 | 6,332 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 4,060 |
| Cost of funding earning assets | 1.0807% | 3,385 |
| Net interest margin | 3.7297% | 4,118 |
| Noninterest income to average assets | 0.1721% | 6,431 |
| Noninterest expense to average assets | 2.2004% | 6,385 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7297% | 3,389 |
| Return on assets (ROA) | 0.7297% | 3,506 |
| Pretax return on assets | 0.8906% | 3,651 |
| Return on Equity (ROE) | 8.2902% | 2,813 |
| Retained earnings to average equity (ytd only) | 3.8263% | 3,777 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1864% | 3,903 |
| Assets per employee ($millions) | 4.9047% | 2,250 |
| Cash dividends to net income (ytd only)* | 53.8462% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 6,481 |
| 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 | 51.7738% | 5,603 |
| Net loans and leases to deposits | 57.3208% | 6,018 |
| Net loans and leases to core deposits | 57.9318% | 6,279 |
| Total domestic deposits to total assets | 90.3229% | 798 |
| Equity capital to assets | 8.7708% | 5,856 |
| Core capital (leverage) ratio | 8.7044% | 5,221 |
| Tier 1 risk-based capital ratio | 11.0036% | 6,531 |
| Total risk-based capital ratio | 11.6338% | 6,828 |
| Memoranda: | ||
| Average total assets | $53,444,670 | 6,353 |
| Average earning assets | $41,826,670 | 6,573 |
| Average equity | $4,704,330 | 6,624 |
| Average total loans | $26,695,000 | 6,439 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9068% | 3,551 |
| Cost of funding earning assets | 1.1488% | 3,166 |
| Net interest margin | 3.7580% | 3,807 |
| Noninterest income to average assets | 0.1654% | 6,547 |
| Noninterest expense to average assets | 2.1959% | 6,432 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7294% | 3,383 |
| Return on assets (ROA) | 0.7294% | 3,447 |
| Pretax return on assets | 0.8723% | 3,610 |
| Return on Equity (ROE) | 8.2720% | 2,787 |
| Retained earnings to average equity (ytd only) | 8.2720% | 1,625 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5686% | 3,947 |
| Assets per employee ($millions) | 4.9267% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 6,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 45.4386% | 6,340 |
| Net loans and leases to deposits | 50.2992% | 6,606 |
| Net loans and leases to core deposits | 50.5688% | 6,751 |
| Total domestic deposits to total assets | 90.3366% | 942 |
| Equity capital to assets | 8.7445% | 5,587 |
| Core capital (leverage) ratio | 8.8652% | 4,831 |
| Tier 1 risk-based capital ratio | 11.5780% | 6,041 |
| Total risk-based capital ratio | 12.2401% | 6,498 |
| Memoranda: | ||
| Average total assets | $53,191,000 | 6,405 |
| Average earning assets | $41,086,000 | 6,643 |
| Average equity | $4,690,500 | 6,658 |
| Average total loans | $25,940,500 | 6,529 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1516% | 3,841 |
| Cost of funding earning assets | 1.1966% | 4,581 |
| Net interest margin | 3.9550% | 3,243 |
| Noninterest income to average assets | 0.1946% | 6,383 |
| Noninterest expense to average assets | 2.3229% | 6,296 |
| Loan and lease loss provision to assets | 0.0201% | 6,914 |
| Net operating income to assets | 0.9949% | 2,056 |
| Return on assets (ROA) | 0.9949% | 2,161 |
| Pretax return on assets | 1.3059% | 1,913 |
| Return on Equity (ROE) | 10.9536% | 1,606 |
| Retained earnings to average equity (ytd only) | 1.3913% | 4,844 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6614% | 5,408 |
| Assets per employee ($millions) | 4.7444% | 2,503 |
| Cash dividends to net income (ytd only)* | 87.2984% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 6,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 51.1880% | 6,024 |
| Net loans and leases to deposits | 56.7743% | 6,372 |
| Net loans and leases to core deposits | 57.4643% | 6,602 |
| Total domestic deposits to total assets | 90.1606% | 1,012 |
| Equity capital to assets | 8.8948% | 5,291 |
| Core capital (leverage) ratio | 8.9134% | 4,672 |
| Tier 1 risk-based capital ratio | 11.1568% | 6,212 |
| Total risk-based capital ratio | 11.8081% | 6,637 |
| Memoranda: | ||
| Average total assets | $49,851,800 | 6,539 |
| Average earning assets | $43,540,000 | 6,593 |
| Average equity | $4,528,200 | 6,807 |
| Average total loans | $26,980,600 | 6,554 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1266% | 4,187 |
| Cost of funding earning assets | 1.1665% | 5,052 |
| Net interest margin | 3.9601% | 3,291 |
| Noninterest income to average assets | 0.1705% | 6,661 |
| Noninterest expense to average assets | 2.2976% | 6,336 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0473% | 2,077 |
| Return on assets (ROA) | 1.0473% | 2,185 |
| Pretax return on assets | 1.4099% | 1,853 |
| Return on Equity (ROE) | 11.4671% | 1,655 |
| Retained earnings to average equity (ytd only) | -0.9778% | 6,012 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9708% | 5,625 |
| Assets per employee ($millions) | 4.6699% | 2,651 |
| Cash dividends to net income (ytd only)* | 108.5273% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 6,677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 54.7256% | 5,740 |
| Net loans and leases to deposits | 60.8933% | 6,229 |
| Net loans and leases to core deposits | 61.9903% | 6,467 |
| Total domestic deposits to total assets | 89.8713% | 941 |
| Equity capital to assets | 8.8497% | 5,778 |
| Core capital (leverage) ratio | 9.0403% | 4,620 |
| Tier 1 risk-based capital ratio | 10.7840% | 6,559 |
| Total risk-based capital ratio | 11.4032% | 6,966 |
| Memoranda: | ||
| Average total assets | $49,267,750 | 6,647 |
| Average earning assets | $44,004,750 | 6,660 |
| Average equity | $4,499,750 | 6,905 |
| Average total loans | $26,979,500 | 6,644 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9715% | 5,076 |
| Cost of funding earning assets | 1.1163% | 5,591 |
| Net interest margin | 3.8551% | 3,655 |
| Noninterest income to average assets | 0.1606% | 6,746 |
| Noninterest expense to average assets | 2.3596% | 6,184 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9966% | 2,214 |
| Return on assets (ROA) | 0.9966% | 2,291 |
| Pretax return on assets | 1.3136% | 2,049 |
| Return on Equity (ROE) | 10.7931% | 1,822 |
| Retained earnings to average equity (ytd only) | -7.9388% | 6,811 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2377% | 5,291 |
| Assets per employee ($millions) | 4.4965% | 2,884 |
| Cash dividends to net income (ytd only)* | 173.5537% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8937% | 6,779 |
| 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 | 58.5176% | 5,329 |
| Net loans and leases to deposits | 65.0339% | 5,913 |
| Net loans and leases to core deposits | 66.2395% | 6,224 |
| Total domestic deposits to total assets | 89.9802% | 927 |
| Equity capital to assets | 8.8977% | 5,604 |
| Core capital (leverage) ratio | 9.0018% | 4,597 |
| Tier 1 risk-based capital ratio | 10.5730% | 6,630 |
| Total risk-based capital ratio | 11.2000% | 7,027 |
| Memoranda: | ||
| Average total assets | $48,567,330 | 6,711 |
| Average earning assets | $44,252,670 | 6,690 |
| Average equity | $4,484,330 | 6,941 |
| Average total loans | $26,515,000 | 6,717 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8174% | 5,830 |
| Cost of funding earning assets | 1.0785% | 6,005 |
| Net interest margin | 3.7389% | 4,055 |
| Noninterest income to average assets | 0.1496% | 6,900 |
| Noninterest expense to average assets | 2.4273% | 5,993 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8728% | 2,661 |
| Return on assets (ROA) | 0.8728% | 2,744 |
| Pretax return on assets | 1.1804% | 2,437 |
| Return on Equity (ROE) | 9.2797% | 2,385 |
| Retained earnings to average equity (ytd only) | -9.2797% | 6,920 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2811% | 4,855 |
| Assets per employee ($millions) | 4.3930% | 3,141 |
| Cash dividends to net income (ytd only)* | 200.0000% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0599% | 6,186 |
| 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 | 50.4191% | 6,427 |
| Net loans and leases to deposits | 56.2354% | 6,756 |
| Net loans and leases to core deposits | 56.9692% | 6,936 |
| Total domestic deposits to total assets | 89.6571% | 1,156 |
| Equity capital to assets | 9.2565% | 4,903 |
| Core capital (leverage) ratio | 9.3811% | 3,933 |
| Tier 1 risk-based capital ratio | 11.5310% | 5,647 |
| Total risk-based capital ratio | 12.2039% | 6,177 |
| Memoranda: | ||
| Average total assets | $48,120,000 | 6,798 |
| Average earning assets | $44,505,000 | 6,757 |
| Average equity | $4,526,000 | 6,994 |
| Average total loans | $25,170,000 | 6,871 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2424% | 5,447 |
| Cost of funding earning assets | 1.1763% | 6,747 |
| Net interest margin | 4.0662% | 2,586 |
| Noninterest income to average assets | 0.1712% | 6,854 |
| Noninterest expense to average assets | 2.5215% | 6,053 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0843% | 1,555 |
| Return on assets (ROA) | 1.0843% | 1,607 |
| Pretax return on assets | 1.3760% | 1,489 |
| Return on Equity (ROE) | 11.4071% | 1,317 |
| Retained earnings to average equity (ytd only) | 2.0680% | 3,656 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6963% | 5,644 |
| Assets per employee ($millions) | 4.3561% | 3,179 |
| Cash dividends to net income (ytd only)* | 81.8713% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 6,292 |
| 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 | 53.1210% | 6,298 |
| Net loans and leases to deposits | 59.4248% | 6,676 |
| Net loans and leases to core deposits | 66.2399% | 6,968 |
| Total domestic deposits to total assets | 89.3921% | 1,269 |
| Equity capital to assets | 9.5561% | 4,347 |
| Core capital (leverage) ratio | 9.7571% | 3,382 |
| Tier 1 risk-based capital ratio | 11.5889% | 5,305 |
| Total risk-based capital ratio | 12.2494% | 5,881 |
| Memoranda: | ||
| Average total assets | $47,312,400 | 6,817 |
| Average earning assets | $43,357,800 | 6,793 |
| Average equity | $4,497,200 | 7,116 |
| Average total loans | $24,727,800 | 6,929 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2526% | 5,669 |
| Cost of funding earning assets | 1.1967% | 6,900 |
| Net interest margin | 4.0559% | 2,567 |
| Noninterest income to average assets | 0.1640% | 7,028 |
| Noninterest expense to average assets | 2.4031% | 6,411 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1252% | 1,654 |
| Return on assets (ROA) | 1.1252% | 1,726 |
| Pretax return on assets | 1.4786% | 1,478 |
| Return on Equity (ROE) | 11.8535% | 1,392 |
| Retained earnings to average equity (ytd only) | -0.6552% | 5,393 |
| Net charge-offs to loans | 0.0054% | 6,887 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 524.3008% | 65 |
| Efficiency ratio | 61.9082% | 6,131 |
| Assets per employee ($millions) | 4.2107% | 3,361 |
| Cash dividends to net income (ytd only)* | 105.5291% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 6,271 |
| 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 | 55.4644% | 6,204 |
| Net loans and leases to deposits | 62.3589% | 6,634 |
| Net loans and leases to core deposits | 70.4801% | 6,942 |
| Total domestic deposits to total assets | 88.9438% | 1,223 |
| Equity capital to assets | 9.6377% | 4,574 |
| Core capital (leverage) ratio | 9.6194% | 3,760 |
| Tier 1 risk-based capital ratio | 11.4183% | 5,506 |
| Total risk-based capital ratio | 12.0834% | 6,086 |
| Memoranda: | ||
| Average total assets | $47,161,250 | 6,866 |
| Average earning assets | $43,228,500 | 6,853 |
| Average equity | $4,476,750 | 7,190 |
| Average total loans | $24,481,000 | 7,004 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1964% | 6,088 |
| Cost of funding earning assets | 1.2197% | 7,046 |
| Net interest margin | 3.9767% | 2,805 |
| Noninterest income to average assets | 0.1560% | 7,156 |
| Noninterest expense to average assets | 2.2933% | 6,770 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1298% | 1,664 |
| Return on assets (ROA) | 1.1298% | 1,745 |
| Pretax return on assets | 1.5050% | 1,429 |
| Return on Equity (ROE) | 11.9616% | 1,419 |
| Retained earnings to average equity (ytd only) | 2.5887% | 3,886 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3774% | 6,483 |
| Assets per employee ($millions) | 4.7117% | 2,449 |
| Cash dividends to net income (ytd only)* | 78.3582% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 5,843 |
| Loan loss allowance to noncurrent loans | 26,100.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 7,664 |
| Noncurrent loans to loans | 0.0041% | 7,564 |
| Net loans and leases to total assets | 51.7605% | 6,716 |
| Net loans and leases to deposits | 58.0943% | 7,020 |
| Net loans and leases to core deposits | 64.7859% | 7,261 |
| Total domestic deposits to total assets | 89.0974% | 1,219 |
| Equity capital to assets | 9.6441% | 4,435 |
| Core capital (leverage) ratio | 9.5946% | 3,768 |
| Tier 1 risk-based capital ratio | 11.9156% | 4,985 |
| Total risk-based capital ratio | 12.6000% | 5,455 |
| Memoranda: | ||
| Average total assets | $47,442,330 | 6,925 |
| Average earning assets | $43,453,330 | 6,907 |
| Average equity | $4,481,000 | 7,245 |
| Average total loans | $23,991,330 | 7,085 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2310% | 6,184 |
| Cost of funding earning assets | 1.2848% | 7,066 |
| Net interest margin | 3.9462% | 2,862 |
| Noninterest income to average assets | 0.1260% | 7,391 |
| Noninterest expense to average assets | 2.2435% | 6,716 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1511% | 1,800 |
| Return on assets (ROA) | 1.1511% | 1,921 |
| Pretax return on assets | 1.4956% | 1,679 |
| Return on Equity (ROE) | 12.3160% | 1,563 |
| Retained earnings to average equity (ytd only) | -6.5625% | 6,750 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 6,402 |
| Assets per employee ($millions) | 4.6403% | 2,517 |
| Cash dividends to net income (ytd only)* | 153.2847% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 5,050 |
| 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 | 47.9129% | 7,035 |
| Net loans and leases to deposits | 53.6291% | 7,314 |
| Net loans and leases to core deposits | 59.7019% | 7,473 |
| Total domestic deposits to total assets | 89.3412% | 1,083 |
| Equity capital to assets | 9.5102% | 4,650 |
| Core capital (leverage) ratio | 9.3678% | 4,146 |
| Tier 1 risk-based capital ratio | 12.1000% | 4,873 |
| Total risk-based capital ratio | 12.8157% | 5,243 |
| Memoranda: | ||
| Average total assets | $47,605,000 | 6,959 |
| Average earning assets | $43,586,500 | 6,954 |
| Average equity | $4,449,500 | 7,303 |
| Average total loans | $23,662,500 | 7,150 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9753% | 5,666 |
| Cost of funding earning assets | 2.2218% | 5,499 |
| Net interest margin | 3.7535% | 4,213 |
| Noninterest income to average assets | 0.1680% | 7,217 |
| Noninterest expense to average assets | 2.5056% | 5,980 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8857% | 3,059 |
| Return on assets (ROA) | 0.8857% | 2,901 |
| Pretax return on assets | 1.1035% | 3,016 |
| Return on Equity (ROE) | 9.6206% | 2,388 |
| Retained earnings to average equity (ytd only) | 0.1577% | 5,136 |
| Net charge-offs to loans | -0.0253% | 7,950 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4253% | 4,458 |
| Assets per employee ($millions) | 4.4370% | 2,714 |
| Cash dividends to net income (ytd only)* | 98.3607% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 5,617 |
| 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 | 50.3411% | 6,997 |
| Net loans and leases to deposits | 56.1202% | 7,312 |
| Net loans and leases to core deposits | 62.3493% | 7,503 |
| Total domestic deposits to total assets | 89.7023% | 767 |
| Equity capital to assets | 9.1913% | 5,094 |
| Core capital (leverage) ratio | 9.3810% | 4,184 |
| Tier 1 risk-based capital ratio | 11.5780% | 5,168 |
| Total risk-based capital ratio | 12.2516% | 5,624 |
| Memoranda: | ||
| Average total assets | $48,212,000 | 6,851 |
| Average earning assets | $44,198,800 | 6,847 |
| Average equity | $4,438,400 | 7,347 |
| Average total loans | $23,711,600 | 7,091 |