Home > The Bank of Milan > Performance and Condition Ratios
The Bank of Milan, 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 | 4.4360% | 3,216 |
| Cost of funding earning assets | 1.4095% | 2,208 |
| Net interest margin | 3.0265% | 3,226 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 2.1862% | 3,166 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.9505% | 2,362 |
| Return on assets (ROA) | 0.9495% | 2,359 |
| Pretax return on assets | 1.0021% | 2,682 |
| Return on Equity (ROE) | 23.0300% | 401 |
| Retained earnings to average equity (ytd only) | 7.4817% | 1,716 |
| 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 | 68.0302% | 2,105 |
| Assets per employee ($millions) | 7.2744% | 1,881 |
| Cash dividends to net income (ytd only)* | 67.5186% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4082% | 4,384 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 55.1000% | 3,270 |
| Net loans and leases to deposits | 60.0503% | 3,519 |
| Net loans and leases to core deposits | 67.5312% | 3,428 |
| Total domestic deposits to total assets | 91.7500% | 349 |
| Equity capital to assets | 4.5159% | 4,469 |
| Core capital (leverage) ratio | 8.0479% | 4,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8138% | 1,931 |
| Memoranda: | ||
| Average total assets | $98,891,600 | 3,846 |
| Average earning assets | $91,524,600 | 3,825 |
| Average equity | $4,076,600 | 4,350 |
| Average total loans | $56,457,800 | 3,749 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3585% | 3,180 |
| Cost of funding earning assets | 1.2964% | 2,161 |
| Net interest margin | 3.0621% | 3,216 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.2264% | 3,009 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.9182% | 2,624 |
| Return on assets (ROA) | 0.9169% | 2,612 |
| Pretax return on assets | 0.9903% | 2,879 |
| Return on Equity (ROE) | 22.8100% | 501 |
| Retained earnings to average equity (ytd only) | 12.9073% | 831 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.7789% | 1,932 |
| Assets per employee ($millions) | 6.9864% | 1,970 |
| Cash dividends to net income (ytd only)* | 43.4074% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3891% | 4,414 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 58.3600% | 2,998 |
| Net loans and leases to deposits | 62.7713% | 3,351 |
| Net loans and leases to core deposits | 69.9572% | 3,210 |
| Total domestic deposits to total assets | 92.9700% | 306 |
| Equity capital to assets | 3.4199% | 4,462 |
| Core capital (leverage) ratio | 8.2886% | 4,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8661% | 1,945 |
| Memoranda: | ||
| Average total assets | $98,154,250 | 3,856 |
| Average earning assets | $90,609,500 | 3,844 |
| Average equity | $3,946,000 | 4,372 |
| Average total loans | $56,487,000 | 3,761 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2249% | 3,244 |
| Cost of funding earning assets | 1.1759% | 2,062 |
| Net interest margin | 3.0490% | 3,321 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.2265% | 2,998 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.9137% | 2,709 |
| Return on assets (ROA) | 0.9118% | 2,700 |
| Pretax return on assets | 0.9851% | 2,958 |
| Return on Equity (ROE) | 21.6100% | 570 |
| Retained earnings to average equity (ytd only) | 15.5800% | 508 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.0657% | 1,860 |
| Assets per employee ($millions) | 6.9455% | 1,969 |
| Cash dividends to net income (ytd only)* | 27.9018% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3803% | 4,446 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 57.9200% | 2,969 |
| Net loans and leases to deposits | 63.5028% | 3,226 |
| Net loans and leases to core deposits | 70.2166% | 3,116 |
| Total domestic deposits to total assets | 91.2100% | 584 |
| Equity capital to assets | 4.2268% | 4,482 |
| Core capital (leverage) ratio | 8.2520% | 4,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7797% | 1,997 |
| Memoranda: | ||
| Average total assets | $98,269,000 | 3,871 |
| Average earning assets | $90,653,333 | 3,856 |
| Average equity | $4,146,333 | 4,381 |
| Average total loans | $56,214,000 | 3,775 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0913% | 3,265 |
| Cost of funding earning assets | 1.0656% | 1,846 |
| Net interest margin | 3.0257% | 3,535 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.2595% | 2,931 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 0.8787% | 2,925 |
| Return on assets (ROA) | 0.8787% | 2,882 |
| Pretax return on assets | 0.9516% | 3,120 |
| Return on Equity (ROE) | 20.8400% | 674 |
| Retained earnings to average equity (ytd only) | 20.8428% | 329 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.7224% | 1,675 |
| Assets per employee ($millions) | 7.0993% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3625% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 56.9700% | 2,961 |
| Net loans and leases to deposits | 62.8732% | 3,173 |
| Net loans and leases to core deposits | 69.3935% | 2,993 |
| Total domestic deposits to total assets | 90.6100% | 940 |
| Equity capital to assets | 4.5518% | 4,486 |
| Core capital (leverage) ratio | 8.0608% | 4,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3270% | 2,258 |
| Memoranda: | ||
| Average total assets | $98,785,000 | 3,918 |
| Average earning assets | $91,219,000 | 3,903 |
| Average equity | $4,164,500 | 4,438 |
| Average total loans | $56,053,500 | 3,822 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3129% | 3,558 |
| Cost of funding earning assets | 0.2924% | 2,945 |
| Net interest margin | 3.0205% | 3,395 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.0307% | 3,498 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9437% | 2,797 |
| Return on assets (ROA) | 0.9437% | 2,739 |
| Pretax return on assets | 1.0074% | 3,056 |
| Return on Equity (ROE) | 20.1900% | 462 |
| Retained earnings to average equity (ytd only) | 5.9281% | 2,670 |
| Net charge-offs to loans | 0.0122% | 1,932 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 179.3333% | 700 |
| Efficiency ratio | 66.8413% | 2,106 |
| Assets per employee ($millions) | 6.5453% | 2,303 |
| Cash dividends to net income (ytd only)* | 70.6349% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3727% | 4,515 |
| 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 | 56.0900% | 3,019 |
| Net loans and leases to deposits | 62.2810% | 3,176 |
| Net loans and leases to core deposits | 68.1264% | 3,003 |
| Total domestic deposits to total assets | 90.0600% | 1,338 |
| Equity capital to assets | 3.8755% | 4,534 |
| Core capital (leverage) ratio | 7.9897% | 4,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0972% | 2,331 |
| Memoranda: | ||
| Average total assets | $106,810,800 | 3,869 |
| Average earning assets | $94,389,000 | 3,892 |
| Average equity | $4,993,200 | 4,429 |
| Average total loans | $49,278,200 | 3,905 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1499% | 3,558 |
| Cost of funding earning assets | 0.1929% | 3,360 |
| Net interest margin | 2.9570% | 3,337 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.9442% | 3,638 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9385% | 2,717 |
| Return on assets (ROA) | 0.9385% | 2,681 |
| Pretax return on assets | 1.0045% | 2,999 |
| Return on Equity (ROE) | 19.3300% | 498 |
| Retained earnings to average equity (ytd only) | 11.5682% | 899 |
| Net charge-offs to loans | 0.0084% | 1,826 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 273.6667% | 508 |
| Efficiency ratio | 65.9336% | 2,288 |
| Assets per employee ($millions) | 6.4779% | 2,343 |
| Cash dividends to net income (ytd only)* | 40.1565% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3913% | 4,547 |
| 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 | 54.7600% | 3,029 |
| Net loans and leases to deposits | 59.2167% | 3,266 |
| Net loans and leases to core deposits | 61.4283% | 3,273 |
| Total domestic deposits to total assets | 92.4700% | 725 |
| Equity capital to assets | 3.4723% | 4,547 |
| Core capital (leverage) ratio | 7.9593% | 4,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7433% | 2,155 |
| Memoranda: | ||
| Average total assets | $108,968,500 | 3,866 |
| Average earning assets | $95,365,250 | 3,909 |
| Average equity | $5,290,250 | 4,439 |
| Average total loans | $47,778,250 | 3,951 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9819% | 3,601 |
| Cost of funding earning assets | 0.1605% | 3,439 |
| Net interest margin | 2.8214% | 3,373 |
| Noninterest income to average assets | 0.3313% | 3,175 |
| Noninterest expense to average assets | 1.8618% | 3,804 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8344% | 2,837 |
| Return on assets (ROA) | 0.8344% | 2,812 |
| Pretax return on assets | 0.8981% | 3,071 |
| Return on Equity (ROE) | 15.8880% | 721 |
| Retained earnings to average equity (ytd only) | 11.1317% | 763 |
| Net charge-offs to loans | 0.0174% | 1,393 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 126.7500% | 713 |
| Efficiency ratio | 67.4583% | 2,316 |
| Assets per employee ($millions) | 6.7185% | 2,159 |
| Cash dividends to net income (ytd only)* | 29.9363% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4164% | 4,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 49.3615% | 3,435 |
| Net loans and leases to deposits | 53.7708% | 3,556 |
| Net loans and leases to core deposits | 55.7173% | 3,591 |
| Total domestic deposits to total assets | 91.7997% | 928 |
| Equity capital to assets | 4.3016% | 4,589 |
| Core capital (leverage) ratio | 7.2399% | 4,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9696% | 2,075 |
| Memoranda: | ||
| Average total assets | $112,902,000 | 3,864 |
| Average earning assets | $97,187,333 | 3,942 |
| Average equity | $5,929,000 | 4,417 |
| Average total loans | $45,898,667 | 4,032 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7629% | 3,817 |
| Cost of funding earning assets | 0.1537% | 3,448 |
| Net interest margin | 2.6092% | 3,635 |
| Noninterest income to average assets | 0.3026% | 3,300 |
| Noninterest expense to average assets | 1.7383% | 4,075 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7296% | 2,938 |
| Return on assets (ROA) | 0.7296% | 2,929 |
| Pretax return on assets | 0.7902% | 3,136 |
| Return on Equity (ROE) | 12.9051% | 1,062 |
| Retained earnings to average equity (ytd only) | 12.9051% | 476 |
| Net charge-offs to loans | 0.0456% | 833 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 944 |
| Efficiency ratio | 68.7500% | 2,403 |
| Assets per employee ($millions) | 7.9959% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4792% | 4,606 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 35.8432% | 4,221 |
| Net loans and leases to deposits | 38.7650% | 4,293 |
| Net loans and leases to core deposits | 39.9287% | 4,317 |
| Total domestic deposits to total assets | 92.4628% | 415 |
| Equity capital to assets | 4.8066% | 4,737 |
| Core capital (leverage) ratio | 6.4022% | 4,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9716% | 2,222 |
| Memoranda: | ||
| Average total assets | $118,964,500 | 3,829 |
| Average earning assets | $101,487,000 | 3,923 |
| Average equity | $6,726,000 | 4,390 |
| Average total loans | $43,871,500 | 4,080 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7612% | 1,958 |
| Cost of funding earning assets | 0.1906% | 3,553 |
| Net interest margin | 3.5706% | 1,546 |
| Noninterest income to average assets | 0.4743% | 2,702 |
| Noninterest expense to average assets | 2.2059% | 3,064 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0895% | 2,336 |
| Return on assets (ROA) | 1.0924% | 2,393 |
| Pretax return on assets | 1.1617% | 2,783 |
| Return on Equity (ROE) | 13.4170% | 1,340 |
| Retained earnings to average equity (ytd only) | 5.2843% | 2,681 |
| Net charge-offs to loans | -0.0574% | 4,389 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5646% | 2,327 |
| Assets per employee ($millions) | 7.8660% | 1,406 |
| Cash dividends to net income (ytd only)* | 60.6148% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4759% | 4,646 |
| 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 | 37.5744% | 4,215 |
| Net loans and leases to deposits | 41.6403% | 4,286 |
| Net loans and leases to core deposits | 42.4302% | 4,331 |
| Total domestic deposits to total assets | 90.2356% | 852 |
| Equity capital to assets | 6.5150% | 4,790 |
| Core capital (leverage) ratio | 7.6904% | 4,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4697% | 2,463 |
| Memoranda: | ||
| Average total assets | $95,292,000 | 4,040 |
| Average earning assets | $77,130,000 | 4,168 |
| Average equity | $7,758,800 | 4,355 |
| Average total loans | $43,550,400 | 4,119 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0953% | 1,312 |
| Cost of funding earning assets | 0.2103% | 3,512 |
| Net interest margin | 3.8850% | 965 |
| Noninterest income to average assets | 0.4359% | 2,906 |
| Noninterest expense to average assets | 2.2168% | 3,016 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2529% | 1,977 |
| Return on assets (ROA) | 1.2572% | 2,027 |
| Pretax return on assets | 1.3286% | 2,545 |
| Return on Equity (ROE) | 14.4873% | 1,263 |
| Retained earnings to average equity (ytd only) | 10.6811% | 1,128 |
| Net charge-offs to loans | -0.0801% | 4,536 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6050% | 2,592 |
| Assets per employee ($millions) | 5.9522% | 2,740 |
| Cash dividends to net income (ytd only)* | 26.2722% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4823% | 4,721 |
| 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 | 48.9981% | 3,527 |
| Net loans and leases to deposits | 54.6475% | 3,681 |
| Net loans and leases to core deposits | 55.7969% | 3,792 |
| Total domestic deposits to total assets | 89.6621% | 935 |
| Equity capital to assets | 9.0443% | 3,786 |
| Core capital (leverage) ratio | 8.4275% | 4,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6499% | 1,736 |
| Memoranda: | ||
| Average total assets | $89,617,500 | 4,156 |
| Average earning assets | $71,625,000 | 4,293 |
| Average equity | $7,776,750 | 4,414 |
| Average total loans | $43,301,500 | 4,179 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8786% | 1,873 |
| Cost of funding earning assets | 0.2214% | 3,549 |
| Net interest margin | 3.6572% | 1,449 |
| Noninterest income to average assets | 0.4057% | 3,082 |
| Noninterest expense to average assets | 2.2178% | 3,021 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0298% | 2,791 |
| Return on assets (ROA) | 1.0298% | 2,869 |
| Pretax return on assets | 1.0966% | 3,228 |
| Return on Equity (ROE) | 12.0354% | 2,044 |
| Retained earnings to average equity (ytd only) | 9.4304% | 1,574 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9132% | 2,028 |
| Assets per employee ($millions) | 6.9562% | 1,840 |
| Cash dividends to net income (ytd only)* | 21.6450% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4255% | 4,782 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 48.3910% | 3,687 |
| Net loans and leases to deposits | 53.7493% | 3,869 |
| Net loans and leases to core deposits | 55.2421% | 3,948 |
| Total domestic deposits to total assets | 90.0310% | 762 |
| Equity capital to assets | 8.6487% | 4,088 |
| Core capital (leverage) ratio | 8.2711% | 4,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,729,000 | 4,176 |
| Average earning assets | $71,366,333 | 4,324 |
| Average equity | $7,677,333 | 4,452 |
| Average total loans | $43,082,333 | 4,214 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6925% | 2,380 |
| Cost of funding earning assets | 0.2371% | 3,586 |
| Net interest margin | 3.4554% | 1,945 |
| Noninterest income to average assets | 0.3983% | 3,095 |
| Noninterest expense to average assets | 2.2019% | 3,111 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8682% | 3,213 |
| Return on assets (ROA) | 0.8682% | 3,298 |
| Pretax return on assets | 0.9353% | 3,524 |
| Return on Equity (ROE) | 10.2031% | 2,621 |
| Retained earnings to average equity (ytd only) | 10.2031% | 1,601 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1854% | 1,672 |
| Assets per employee ($millions) | 6.3823% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4441% | 4,806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 46.9122% | 3,896 |
| Net loans and leases to deposits | 52.0223% | 4,045 |
| Net loans and leases to core deposits | 52.5856% | 4,168 |
| Total domestic deposits to total assets | 90.1771% | 734 |
| Equity capital to assets | 8.3412% | 4,241 |
| Core capital (leverage) ratio | 8.2142% | 4,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,378,500 | 4,193 |
| Average earning assets | $70,846,000 | 4,347 |
| Average equity | $7,605,500 | 4,474 |
| Average total loans | $42,650,000 | 4,244 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9835% | 2,781 |
| Cost of funding earning assets | 0.4829% | 3,063 |
| Net interest margin | 3.5006% | 2,477 |
| Noninterest income to average assets | 0.4480% | 2,873 |
| Noninterest expense to average assets | 2.5023% | 2,846 |
| Loan and lease loss provision to assets | -0.0486% | 4,935 |
| Net operating income to assets | 0.8748% | 2,810 |
| Return on assets (ROA) | 0.9033% | 2,818 |
| Pretax return on assets | 0.9640% | 3,161 |
| Return on Equity (ROE) | 9.9121% | 2,036 |
| Retained earnings to average equity (ytd only) | 2.8644% | 3,439 |
| Net charge-offs to loans | -0.0945% | 4,805 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8710% | 1,467 |
| Assets per employee ($millions) | 5.9603% | 2,368 |
| Cash dividends to net income (ytd only)* | 71.1022% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4306% | 4,839 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 48.1069% | 3,969 |
| Net loans and leases to deposits | 54.0327% | 4,109 |
| Net loans and leases to core deposits | 55.3710% | 4,188 |
| Total domestic deposits to total assets | 89.0331% | 971 |
| Equity capital to assets | 8.6774% | 4,313 |
| Core capital (leverage) ratio | 8.2315% | 4,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,363,200 | 4,217 |
| Average earning assets | $69,160,000 | 4,304 |
| Average equity | $7,506,000 | 4,478 |
| Average total loans | $42,317,200 | 4,268 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9736% | 3,048 |
| Cost of funding earning assets | 0.5315% | 3,041 |
| Net interest margin | 3.4421% | 2,776 |
| Noninterest income to average assets | 0.4615% | 2,781 |
| Noninterest expense to average assets | 2.5441% | 2,708 |
| Loan and lease loss provision to assets | 0.0993% | 3,082 |
| Net operating income to assets | 0.6935% | 3,479 |
| Return on assets (ROA) | 0.7311% | 3,448 |
| Pretax return on assets | 0.8056% | 3,631 |
| Return on Equity (ROE) | 7.9178% | 2,837 |
| Retained earnings to average equity (ytd only) | 4.7829% | 2,661 |
| Net charge-offs to loans | -0.1235% | 4,857 |
| Credit loss provision to net charge-offs | -153.8462% | 3,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6602% | 1,344 |
| Assets per employee ($millions) | 5.2286% | 2,982 |
| Cash dividends to net income (ytd only)* | 39.5928% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6349% | 4,682 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 53.3147% | 3,861 |
| Net loans and leases to deposits | 60.3750% | 4,036 |
| Net loans and leases to core deposits | 62.6705% | 4,069 |
| Total domestic deposits to total assets | 88.3060% | 1,059 |
| Equity capital to assets | 9.2723% | 3,882 |
| Core capital (leverage) ratio | 8.3724% | 4,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,602,750 | 4,246 |
| Average earning assets | $68,987,250 | 4,320 |
| Average equity | $7,443,000 | 4,507 |
| Average total loans | $42,097,500 | 4,301 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9880% | 3,356 |
| Cost of funding earning assets | 0.5759% | 3,102 |
| Net interest margin | 3.4121% | 3,063 |
| Noninterest income to average assets | 0.4725% | 2,697 |
| Noninterest expense to average assets | 2.6010% | 2,661 |
| Loan and lease loss provision to assets | 0.1382% | 2,635 |
| Net operating income to assets | 0.6358% | 3,624 |
| Return on assets (ROA) | 0.6358% | 3,709 |
| Pretax return on assets | 0.7112% | 3,846 |
| Return on Equity (ROE) | 6.8953% | 3,173 |
| Retained earnings to average equity (ytd only) | 3.7611% | 3,038 |
| Net charge-offs to loans | -0.1312% | 4,893 |
| Credit loss provision to net charge-offs | -203.7037% | 3,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3824% | 1,321 |
| Assets per employee ($millions) | 5.5696% | 2,575 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6195% | 4,715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 51.4603% | 4,063 |
| Net loans and leases to deposits | 57.8682% | 4,230 |
| Net loans and leases to core deposits | 59.4773% | 4,290 |
| Total domestic deposits to total assets | 88.9268% | 776 |
| Equity capital to assets | 9.1078% | 3,989 |
| Core capital (leverage) ratio | 8.6544% | 4,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,584,333 | 4,259 |
| Average earning assets | $69,458,333 | 4,326 |
| Average equity | $7,338,333 | 4,535 |
| Average total loans | $41,167,667 | 4,332 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2438% | 3,084 |
| Cost of funding earning assets | 0.6421% | 3,209 |
| Net interest margin | 3.6017% | 2,660 |
| Noninterest income to average assets | 0.4948% | 2,572 |
| Noninterest expense to average assets | 2.6596% | 2,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9381% | 2,384 |
| Return on assets (ROA) | 0.9381% | 2,493 |
| Pretax return on assets | 1.0154% | 2,796 |
| Return on Equity (ROE) | 10.1069% | 1,710 |
| Retained earnings to average equity (ytd only) | 10.1069% | 730 |
| Net charge-offs to loans | -0.2692% | 4,972 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3703% | 2,029 |
| Assets per employee ($millions) | 4.8911% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5228% | 4,854 |
| 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 | 51.7871% | 4,130 |
| Net loans and leases to deposits | 57.5807% | 4,298 |
| Net loans and leases to core deposits | 63.6646% | 4,189 |
| Total domestic deposits to total assets | 89.9383% | 343 |
| Equity capital to assets | 9.4317% | 4,285 |
| Core capital (leverage) ratio | 9.0014% | 4,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,604,500 | 4,298 |
| Average earning assets | $68,523,500 | 4,343 |
| Average equity | $7,203,000 | 4,582 |
| Average total loans | $40,121,500 | 4,374 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3015% | 3,539 |
| Cost of funding earning assets | 0.6783% | 3,269 |
| Net interest margin | 3.6233% | 3,067 |
| Noninterest income to average assets | 0.6400% | 2,045 |
| Noninterest expense to average assets | 2.8526% | 2,432 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9341% | 3,077 |
| Return on assets (ROA) | 0.9341% | 3,158 |
| Pretax return on assets | 0.9899% | 3,483 |
| Return on Equity (ROE) | 9.9691% | 2,310 |
| Retained earnings to average equity (ytd only) | 2.9312% | 3,565 |
| Net charge-offs to loans | 0.0615% | 2,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 29.5833% | 1,595 |
| Efficiency ratio | 74.2380% | 1,580 |
| Assets per employee ($millions) | 4.5266% | 3,183 |
| Cash dividends to net income (ytd only)* | 70.5970% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4709% | 4,920 |
| Loan loss allowance to noncurrent loans | 58.3072% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 2,735 |
| Noncurrent loans to loans | 0.8075% | 1,896 |
| Net loans and leases to total assets | 51.0929% | 4,278 |
| Net loans and leases to deposits | 57.1975% | 4,410 |
| Net loans and leases to core deposits | 66.6017% | 4,159 |
| Total domestic deposits to total assets | 89.3271% | 548 |
| Equity capital to assets | 9.1291% | 4,623 |
| Core capital (leverage) ratio | 8.8899% | 4,607 |
| Tier 1 risk-based capital ratio | 15.1711% | 2,712 |
| Total risk-based capital ratio | 15.5982% | 3,001 |
| Memoranda: | ||
| Average total assets | $71,723,600 | 4,401 |
| Average earning assets | $63,396,000 | 4,450 |
| Average equity | $6,720,800 | 4,665 |
| Average total loans | $39,032,000 | 4,425 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3460% | 3,521 |
| Cost of funding earning assets | 0.6605% | 3,395 |
| Net interest margin | 3.6856% | 2,966 |
| Noninterest income to average assets | 0.6987% | 1,791 |
| Noninterest expense to average assets | 2.8894% | 2,293 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9467% | 3,180 |
| Return on assets (ROA) | 0.9467% | 3,254 |
| Pretax return on assets | 1.0319% | 3,495 |
| Return on Equity (ROE) | 10.0327% | 2,413 |
| Retained earnings to average equity (ytd only) | 5.5381% | 2,608 |
| Net charge-offs to loans | -0.0240% | 4,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6842% | 1,618 |
| Assets per employee ($millions) | 4.6531% | 2,965 |
| Cash dividends to net income (ytd only)* | 44.8001% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5426% | 4,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 50.2876% | 4,414 |
| Net loans and leases to deposits | 56.5316% | 4,534 |
| Net loans and leases to core deposits | 58.6002% | 4,582 |
| Total domestic deposits to total assets | 88.9549% | 623 |
| Equity capital to assets | 9.0515% | 4,757 |
| Core capital (leverage) ratio | 9.9803% | 3,659 |
| Tier 1 risk-based capital ratio | 15.0880% | 2,808 |
| Total risk-based capital ratio | 15.5757% | 3,073 |
| Memoranda: | ||
| Average total assets | $70,416,500 | 4,480 |
| Average earning assets | $61,572,000 | 4,539 |
| Average equity | $6,644,750 | 4,732 |
| Average total loans | $38,914,250 | 4,486 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3564% | 3,467 |
| Cost of funding earning assets | 0.6417% | 3,457 |
| Net interest margin | 3.7147% | 2,889 |
| Noninterest income to average assets | 0.7316% | 1,591 |
| Noninterest expense to average assets | 3.0094% | 1,981 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9597% | 3,064 |
| Return on assets (ROA) | 0.9597% | 3,138 |
| Pretax return on assets | 1.0486% | 3,392 |
| Return on Equity (ROE) | 10.0108% | 2,382 |
| Retained earnings to average equity (ytd only) | 6.7666% | 1,921 |
| Net charge-offs to loans | -0.0156% | 4,464 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1606% | 1,623 |
| Assets per employee ($millions) | 4.0499% | 3,806 |
| Cash dividends to net income (ytd only)* | 32.4074% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5475% | 4,956 |
| 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 | 56.1948% | 4,064 |
| Net loans and leases to deposits | 64.1577% | 4,217 |
| Net loans and leases to core deposits | 66.9036% | 4,267 |
| Total domestic deposits to total assets | 87.5886% | 1,291 |
| Equity capital to assets | 10.0308% | 3,950 |
| Core capital (leverage) ratio | 10.0898% | 3,507 |
| Tier 1 risk-based capital ratio | 15.7310% | 2,528 |
| Total risk-based capital ratio | 16.2345% | 2,769 |
| Memoranda: | ||
| Average total assets | $67,521,000 | 4,560 |
| Average earning assets | $60,462,670 | 4,595 |
| Average equity | $6,473,000 | 4,784 |
| Average total loans | $38,553,670 | 4,530 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 3,657 |
| Cost of funding earning assets | 0.6163% | 3,484 |
| Net interest margin | 3.6506% | 3,072 |
| Noninterest income to average assets | 0.7658% | 1,375 |
| Noninterest expense to average assets | 3.0393% | 1,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8974% | 3,244 |
| Return on assets (ROA) | 0.8974% | 3,299 |
| Pretax return on assets | 0.9872% | 3,486 |
| Return on Equity (ROE) | 9.5900% | 2,556 |
| Retained earnings to average equity (ytd only) | 9.5900% | 1,141 |
| Net charge-offs to loans | -0.0313% | 4,662 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4829% | 1,559 |
| Assets per employee ($millions) | 4.2041% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5535% | 5,017 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 56.8876% | 3,992 |
| Net loans and leases to deposits | 64.2360% | 4,168 |
| Net loans and leases to core deposits | 67.0099% | 4,232 |
| Total domestic deposits to total assets | 88.5603% | 1,055 |
| Equity capital to assets | 9.6676% | 4,117 |
| Core capital (leverage) ratio | 10.1909% | 3,396 |
| Tier 1 risk-based capital ratio | 15.8336% | 2,516 |
| Total risk-based capital ratio | 16.3456% | 2,754 |
| Memoranda: | ||
| Average total assets | $66,857,500 | 4,621 |
| Average earning assets | $59,716,000 | 4,656 |
| Average equity | $6,256,500 | 4,851 |
| Average total loans | $38,379,500 | 4,584 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2177% | 3,389 |
| Cost of funding earning assets | 0.4347% | 3,773 |
| Net interest margin | 3.7830% | 2,735 |
| Noninterest income to average assets | 0.7424% | 1,681 |
| Noninterest expense to average assets | 3.0925% | 1,819 |
| Loan and lease loss provision to assets | 0.0225% | 3,719 |
| Net operating income to assets | 0.9639% | 3,162 |
| Return on assets (ROA) | 0.9419% | 3,267 |
| Pretax return on assets | 1.0228% | 3,534 |
| Return on Equity (ROE) | 10.4782% | 2,304 |
| Retained earnings to average equity (ytd only) | 2.3693% | 4,194 |
| Net charge-offs to loans | 0.0380% | 2,640 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 47.5333% | 1,169 |
| Efficiency ratio | 74.3063% | 1,587 |
| Assets per employee ($millions) | 4.1531% | 3,683 |
| Cash dividends to net income (ytd only)* | 77.3885% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5486% | 5,063 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 57.2921% | 4,025 |
| Net loans and leases to deposits | 64.4228% | 4,227 |
| Net loans and leases to core deposits | 68.4491% | 4,211 |
| Total domestic deposits to total assets | 88.9314% | 889 |
| Equity capital to assets | 9.0445% | 4,539 |
| Core capital (leverage) ratio | 10.0942% | 3,467 |
| Tier 1 risk-based capital ratio | 15.6103% | 2,573 |
| Total risk-based capital ratio | 16.1195% | 2,827 |
| Memoranda: | ||
| Average total assets | $66,676,800 | 4,640 |
| Average earning assets | $60,269,200 | 4,661 |
| Average equity | $5,993,400 | 4,898 |
| Average total loans | $39,481,200 | 4,567 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1986% | 3,329 |
| Cost of funding earning assets | 0.3837% | 3,976 |
| Net interest margin | 3.8149% | 2,593 |
| Noninterest income to average assets | 0.7392% | 1,717 |
| Noninterest expense to average assets | 3.0628% | 1,853 |
| Loan and lease loss provision to assets | 0.0160% | 3,693 |
| Net operating income to assets | 1.0340% | 2,948 |
| Return on assets (ROA) | 1.0050% | 3,075 |
| Pretax return on assets | 1.1049% | 3,376 |
| Return on Equity (ROE) | 11.1976% | 2,093 |
| Retained earnings to average equity (ytd only) | 7.5467% | 1,865 |
| Net charge-offs to loans | 0.0369% | 2,338 |
| Credit loss provision to net charge-offs | 72.7273% | 2,606 |
| Earnings coverage of net charge-offs (x) | 52.4410% | 1,141 |
| Efficiency ratio | 72.6540% | 1,788 |
| Assets per employee ($millions) | 4.1149% | 3,706 |
| Cash dividends to net income (ytd only)* | 32.6042% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5019% | 5,188 |
| Loan loss allowance to noncurrent loans | 46.5169% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 0.6759% | 2,172 |
| Noncurrent loans to loans | 1.0790% | 1,579 |
| Net loans and leases to total assets | 62.3272% | 3,621 |
| Net loans and leases to deposits | 71.0649% | 3,844 |
| Net loans and leases to core deposits | 74.5820% | 3,904 |
| Total domestic deposits to total assets | 87.7047% | 1,392 |
| Equity capital to assets | 9.0540% | 4,502 |
| Core capital (leverage) ratio | 10.3333% | 3,249 |
| Tier 1 risk-based capital ratio | 15.7795% | 2,536 |
| Total risk-based capital ratio | 16.2722% | 2,796 |
| Memoranda: | ||
| Average total assets | $66,733,750 | 4,687 |
| Average earning assets | $60,813,000 | 4,705 |
| Average equity | $5,989,250 | 4,950 |
| Average total loans | $39,781,500 | 4,601 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 3,283 |
| Cost of funding earning assets | 0.3534% | 4,053 |
| Net interest margin | 3.7957% | 2,579 |
| Noninterest income to average assets | 0.7459% | 1,665 |
| Noninterest expense to average assets | 3.0702% | 1,860 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0335% | 2,880 |
| Return on assets (ROA) | 0.9846% | 3,092 |
| Pretax return on assets | 1.0831% | 3,377 |
| Return on Equity (ROE) | 11.0024% | 2,117 |
| Retained earnings to average equity (ytd only) | 8.2018% | 1,537 |
| Net charge-offs to loans | 0.0153% | 2,636 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 593 |
| Efficiency ratio | 72.9787% | 1,850 |
| Assets per employee ($millions) | 4.1151% | 3,700 |
| Cash dividends to net income (ytd only)* | 25.4545% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5016% | 5,258 |
| Loan loss allowance to noncurrent loans | 44.1365% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 0.7123% | 2,098 |
| Noncurrent loans to loans | 1.1365% | 1,542 |
| Net loans and leases to total assets | 62.3614% | 3,557 |
| Net loans and leases to deposits | 71.7255% | 3,734 |
| Net loans and leases to core deposits | 72.7331% | 3,962 |
| Total domestic deposits to total assets | 86.9445% | 1,863 |
| Equity capital to assets | 9.1249% | 4,456 |
| Core capital (leverage) ratio | 10.0923% | 3,488 |
| Tier 1 risk-based capital ratio | 15.5860% | 2,592 |
| Total risk-based capital ratio | 16.0794% | 2,882 |
| Memoranda: | ||
| Average total assets | $67,032,330 | 4,738 |
| Average earning assets | $61,122,330 | 4,747 |
| Average equity | $5,998,670 | 5,003 |
| Average total loans | $39,294,670 | 4,663 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0485% | 3,423 |
| Cost of funding earning assets | 0.3526% | 3,968 |
| Net interest margin | 3.6959% | 2,816 |
| Noninterest income to average assets | 0.6743% | 1,938 |
| Noninterest expense to average assets | 3.0993% | 1,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8196% | 3,630 |
| Return on assets (ROA) | 0.7512% | 3,906 |
| Pretax return on assets | 0.8458% | 4,028 |
| Return on Equity (ROE) | 8.4751% | 3,156 |
| Retained earnings to average equity (ytd only) | 8.0080% | 1,831 |
| Net charge-offs to loans | 0.0313% | 1,874 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 928 |
| Efficiency ratio | 77.0588% | 1,453 |
| Assets per employee ($millions) | 4.2291% | 3,599 |
| Cash dividends to net income (ytd only)* | 5.5118% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5177% | 5,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 4,788 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 58.7881% | 3,874 |
| Net loans and leases to deposits | 66.7366% | 4,039 |
| Net loans and leases to core deposits | 67.6387% | 4,235 |
| Total domestic deposits to total assets | 88.0899% | 1,569 |
| Equity capital to assets | 8.6736% | 4,840 |
| Core capital (leverage) ratio | 9.7566% | 3,800 |
| Tier 1 risk-based capital ratio | 15.1535% | 2,804 |
| Total risk-based capital ratio | 15.6424% | 3,089 |
| Memoranda: | ||
| Average total assets | $67,627,500 | 4,781 |
| Average earning assets | $61,256,500 | 4,800 |
| Average equity | $5,994,000 | 5,057 |
| Average total loans | $38,308,500 | 4,741 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1182% | 2,994 |
| Cost of funding earning assets | 0.3394% | 3,803 |
| Net interest margin | 3.7787% | 2,504 |
| Noninterest income to average assets | 0.6395% | 2,252 |
| Noninterest expense to average assets | 3.0521% | 2,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9063% | 2,679 |
| Return on assets (ROA) | 0.9270% | 2,589 |
| Pretax return on assets | 1.0109% | 3,525 |
| Return on Equity (ROE) | 10.0318% | 1,873 |
| Retained earnings to average equity (ytd only) | 1.9610% | 4,148 |
| Net charge-offs to loans | 0.0083% | 3,786 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 220.0000% | 368 |
| Efficiency ratio | 75.5374% | 1,687 |
| Assets per employee ($millions) | 4.2244% | 3,620 |
| Cash dividends to net income (ytd only)* | 80.4523% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5733% | 5,290 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 4,818 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 53.8852% | 4,378 |
| Net loans and leases to deposits | 61.7295% | 4,477 |
| Net loans and leases to core deposits | 62.5747% | 4,624 |
| Total domestic deposits to total assets | 87.2925% | 1,860 |
| Equity capital to assets | 9.0531% | 4,666 |
| Core capital (leverage) ratio | 9.5616% | 3,960 |
| Tier 1 risk-based capital ratio | 15.8982% | 2,467 |
| Total risk-based capital ratio | 16.4279% | 2,693 |
| Memoranda: | ||
| Average total assets | $66,774,000 | 4,830 |
| Average earning assets | $60,099,600 | 4,852 |
| Average equity | $6,170,400 | 5,076 |
| Average total loans | $35,930,400 | 4,846 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1024% | 2,974 |
| Cost of funding earning assets | 0.3320% | 3,832 |
| Net interest margin | 3.7703% | 2,503 |
| Noninterest income to average assets | 0.6269% | 2,329 |
| Noninterest expense to average assets | 3.0524% | 1,952 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8809% | 3,126 |
| Return on assets (ROA) | 0.8973% | 3,096 |
| Pretax return on assets | 0.9814% | 3,762 |
| Return on Equity (ROE) | 9.6603% | 2,276 |
| Retained earnings to average equity (ytd only) | 5.6926% | 2,434 |
| Net charge-offs to loans | -0.0112% | 4,661 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0100% | 1,589 |
| Assets per employee ($millions) | 4.1867% | 3,677 |
| Cash dividends to net income (ytd only)* | 41.0718% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5990% | 5,324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 53.5059% | 4,454 |
| Net loans and leases to deposits | 62.4577% | 4,483 |
| Net loans and leases to core deposits | 63.6218% | 4,621 |
| Total domestic deposits to total assets | 85.6674% | 2,446 |
| Equity capital to assets | 9.7497% | 4,194 |
| Core capital (leverage) ratio | 9.9442% | 3,636 |
| Tier 1 risk-based capital ratio | 16.4666% | 2,335 |
| Total risk-based capital ratio | 17.0184% | 2,541 |
| Memoranda: | ||
| Average total assets | $66,570,000 | 4,890 |
| Average earning assets | $59,834,000 | 4,916 |
| Average equity | $6,183,250 | 5,128 |
| Average total loans | $35,755,250 | 4,899 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0726% | 2,926 |
| Cost of funding earning assets | 0.3213% | 3,867 |
| Net interest margin | 3.7513% | 2,464 |
| Noninterest income to average assets | 0.6142% | 2,390 |
| Noninterest expense to average assets | 3.0859% | 1,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8208% | 3,291 |
| Return on assets (ROA) | 0.8400% | 3,249 |
| Pretax return on assets | 0.9243% | 3,848 |
| Return on Equity (ROE) | 9.1968% | 2,413 |
| Retained earnings to average equity (ytd only) | 6.5268% | 1,831 |
| Net charge-offs to loans | -0.0168% | 4,710 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3585% | 1,545 |
| Assets per employee ($millions) | 4.2755% | 3,478 |
| Cash dividends to net income (ytd only)* | 29.0323% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6075% | 5,367 |
| 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 | 51.6621% | 4,599 |
| Net loans and leases to deposits | 59.8635% | 4,642 |
| Net loans and leases to core deposits | 62.0203% | 4,715 |
| Total domestic deposits to total assets | 86.2998% | 2,239 |
| Equity capital to assets | 9.4828% | 4,414 |
| Core capital (leverage) ratio | 9.8837% | 3,672 |
| Tier 1 risk-based capital ratio | 16.5260% | 2,312 |
| Total risk-based capital ratio | 17.0854% | 2,508 |
| Memoranda: | ||
| Average total assets | $66,431,000 | 4,924 |
| Average earning assets | $59,765,330 | 4,956 |
| Average equity | $6,067,330 | 5,180 |
| Average total loans | $35,654,330 | 4,937 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0930% | 2,678 |
| Cost of funding earning assets | 0.2972% | 4,070 |
| Net interest margin | 3.7958% | 2,125 |
| Noninterest income to average assets | 0.5990% | 2,422 |
| Noninterest expense to average assets | 3.1600% | 1,718 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7923% | 3,256 |
| Return on assets (ROA) | 0.8313% | 3,129 |
| Pretax return on assets | 0.9168% | 3,703 |
| Return on Equity (ROE) | 9.2872% | 2,276 |
| Retained earnings to average equity (ytd only) | 9.2872% | 986 |
| Net charge-offs to loans | -0.0224% | 4,801 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3333% | 1,584 |
| Assets per employee ($millions) | 4.1271% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5926% | 5,488 |
| 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 | 54.6136% | 4,290 |
| Net loans and leases to deposits | 61.9150% | 4,441 |
| Net loans and leases to core deposits | 63.8973% | 4,542 |
| Total domestic deposits to total assets | 88.2074% | 1,592 |
| Equity capital to assets | 9.1000% | 4,713 |
| Core capital (leverage) ratio | 9.8890% | 3,637 |
| Tier 1 risk-based capital ratio | 16.1119% | 2,504 |
| Total risk-based capital ratio | 16.6601% | 2,725 |
| Memoranda: | ||
| Average total assets | $65,442,500 | 4,993 |
| Average earning assets | $59,223,000 | 5,023 |
| Average equity | $5,857,500 | 5,257 |
| Average total loans | $35,703,000 | 4,977 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1051% | 2,828 |
| Cost of funding earning assets | 0.2573% | 4,498 |
| Net interest margin | 3.8477% | 2,148 |
| Noninterest income to average assets | 0.7756% | 1,853 |
| Noninterest expense to average assets | 3.3022% | 1,571 |
| Loan and lease loss provision to assets | -0.0390% | 5,559 |
| Net operating income to assets | 0.8984% | 2,829 |
| Return on assets (ROA) | 1.0035% | 2,440 |
| Pretax return on assets | 1.1049% | 3,086 |
| Return on Equity (ROE) | 10.0815% | 1,922 |
| Retained earnings to average equity (ytd only) | 3.8570% | 3,179 |
| Net charge-offs to loans | 0.2029% | 1,371 |
| Credit loss provision to net charge-offs | -35.2113% | 4,796 |
| Earnings coverage of net charge-offs (x) | 8.5775% | 2,858 |
| Efficiency ratio | 77.6514% | 1,747 |
| Assets per employee ($millions) | 4.0533% | 3,864 |
| Cash dividends to net income (ytd only)* | 61.7418% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6064% | 5,516 |
| 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 | 53.8380% | 4,450 |
| Net loans and leases to deposits | 61.3523% | 4,583 |
| Net loans and leases to core deposits | 62.2337% | 4,744 |
| Total domestic deposits to total assets | 87.7521% | 1,766 |
| Equity capital to assets | 8.7985% | 5,011 |
| Core capital (leverage) ratio | 9.8168% | 3,717 |
| Tier 1 risk-based capital ratio | 16.2051% | 2,471 |
| Total risk-based capital ratio | 16.7630% | 2,672 |
| Memoranda: | ||
| Average total assets | $64,078,000 | 5,048 |
| Average earning assets | $57,904,000 | 5,071 |
| Average equity | $6,378,000 | 5,215 |
| Average total loans | $34,990,400 | 5,038 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1040% | 2,862 |
| Cost of funding earning assets | 0.2533% | 4,574 |
| Net interest margin | 3.8506% | 2,159 |
| Noninterest income to average assets | 0.7993% | 1,768 |
| Noninterest expense to average assets | 3.3059% | 1,551 |
| Loan and lease loss provision to assets | -0.0522% | 5,720 |
| Net operating income to assets | 0.9570% | 2,623 |
| Return on assets (ROA) | 1.0832% | 2,170 |
| Pretax return on assets | 1.1708% | 2,963 |
| Return on Equity (ROE) | 10.5710% | 1,844 |
| Retained earnings to average equity (ytd only) | 7.0270% | 1,619 |
| Net charge-offs to loans | 0.2517% | 931 |
| Credit loss provision to net charge-offs | -37.8788% | 4,666 |
| Earnings coverage of net charge-offs (x) | 7.1361% | 2,911 |
| Efficiency ratio | 77.0803% | 1,824 |
| Assets per employee ($millions) | 4.0540% | 3,868 |
| Cash dividends to net income (ytd only)* | 33.5255% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6132% | 5,586 |
| 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 | 54.4709% | 4,447 |
| Net loans and leases to deposits | 63.2997% | 4,540 |
| Net loans and leases to core deposits | 63.5845% | 4,744 |
| Total domestic deposits to total assets | 86.0524% | 2,325 |
| Equity capital to assets | 10.4804% | 3,588 |
| Core capital (leverage) ratio | 10.0526% | 3,500 |
| Tier 1 risk-based capital ratio | 16.1844% | 2,548 |
| Total risk-based capital ratio | 16.7456% | 2,765 |
| Memoranda: | ||
| Average total assets | $63,884,500 | 5,100 |
| Average earning assets | $57,893,750 | 5,121 |
| Average equity | $6,546,000 | 5,226 |
| Average total loans | $34,956,000 | 5,092 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0483% | 3,067 |
| Cost of funding earning assets | 0.2558% | 4,596 |
| Net interest margin | 3.7925% | 2,352 |
| Noninterest income to average assets | 0.7804% | 1,806 |
| Noninterest expense to average assets | 3.3544% | 1,473 |
| Loan and lease loss provision to assets | -0.0787% | 5,852 |
| Net operating income to assets | 0.8811% | 2,963 |
| Return on assets (ROA) | 1.0258% | 2,407 |
| Pretax return on assets | 1.1139% | 3,143 |
| Return on Equity (ROE) | 10.0898% | 2,007 |
| Retained earnings to average equity (ytd only) | 8.3256% | 1,060 |
| Net charge-offs to loans | 0.2359% | 998 |
| Credit loss provision to net charge-offs | -60.9756% | 4,548 |
| Earnings coverage of net charge-offs (x) | 6.8049% | 2,701 |
| Efficiency ratio | 79.2565% | 1,600 |
| Assets per employee ($millions) | 3.9905% | 3,923 |
| Cash dividends to net income (ytd only)* | 17.4847% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6820% | 5,553 |
| Loan loss allowance to noncurrent loans | 311.5385% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 5,021 |
| Noncurrent loans to loans | 0.2189% | 4,564 |
| Net loans and leases to total assets | 55.4254% | 4,366 |
| Net loans and leases to deposits | 64.9273% | 4,429 |
| Net loans and leases to core deposits | 64.9273% | 4,683 |
| Total domestic deposits to total assets | 85.3652% | 2,704 |
| Equity capital to assets | 10.5313% | 3,603 |
| Core capital (leverage) ratio | 10.0455% | 3,518 |
| Tier 1 risk-based capital ratio | 16.2319% | 2,535 |
| Total risk-based capital ratio | 16.8650% | 2,759 |
| Memoranda: | ||
| Average total assets | $63,558,000 | 5,158 |
| Average earning assets | $57,851,670 | 5,177 |
| Average equity | $6,462,000 | 5,293 |
| Average total loans | $34,758,000 | 5,147 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0237% | 3,138 |
| Cost of funding earning assets | 0.2706% | 4,490 |
| Net interest margin | 3.7532% | 2,465 |
| Noninterest income to average assets | 0.7948% | 1,636 |
| Noninterest expense to average assets | 3.4567% | 1,269 |
| Loan and lease loss provision to assets | -0.1577% | 6,009 |
| Net operating income to assets | 0.8316% | 3,086 |
| Return on assets (ROA) | 0.9651% | 2,546 |
| Pretax return on assets | 1.0534% | 3,265 |
| Return on Equity (ROE) | 9.6667% | 2,128 |
| Retained earnings to average equity (ytd only) | 9.6667% | 933 |
| Net charge-offs to loans | 0.3030% | 709 |
| Credit loss provision to net charge-offs | -96.1538% | 4,227 |
| Earnings coverage of net charge-offs (x) | 4.5769% | 2,409 |
| Efficiency ratio | 82.1589% | 1,356 |
| Assets per employee ($millions) | 3.9843% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7405% | 5,517 |
| Loan loss allowance to noncurrent loans | 213.2231% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 4,812 |
| Noncurrent loans to loans | 0.3473% | 4,189 |
| Net loans and leases to total assets | 54.2480% | 4,430 |
| Net loans and leases to deposits | 62.3122% | 4,561 |
| Net loans and leases to core deposits | 62.5941% | 4,778 |
| Total domestic deposits to total assets | 87.0584% | 2,185 |
| Equity capital to assets | 10.1666% | 3,880 |
| Core capital (leverage) ratio | 9.8991% | 3,660 |
| Tier 1 risk-based capital ratio | 16.2346% | 2,576 |
| Total risk-based capital ratio | 16.9183% | 2,764 |
| Memoranda: | ||
| Average total assets | $63,413,000 | 5,212 |
| Average earning assets | $57,658,000 | 5,225 |
| Average equity | $6,331,000 | 5,352 |
| Average total loans | $34,321,500 | 5,204 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1806% | 2,619 |
| Cost of funding earning assets | 0.2739% | 4,547 |
| Net interest margin | 3.9067% | 2,007 |
| Noninterest income to average assets | 0.7853% | 1,846 |
| Noninterest expense to average assets | 3.4223% | 1,445 |
| Loan and lease loss provision to assets | -0.3799% | 6,098 |
| Net operating income to assets | 1.1916% | 1,583 |
| Return on assets (ROA) | 1.2802% | 1,361 |
| Pretax return on assets | 1.3664% | 2,044 |
| Return on Equity (ROE) | 13.1063% | 1,033 |
| Retained earnings to average equity (ytd only) | 4.0528% | 3,127 |
| Net charge-offs to loans | -0.0063% | 5,018 |
| Credit loss provision to net charge-offs | 11,900.0000% | 29 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3193% | 1,773 |
| Assets per employee ($millions) | 3.9424% | 4,040 |
| Cash dividends to net income (ytd only)* | 69.0773% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9141% | 5,033 |
| Loan loss allowance to noncurrent loans | 367.8571% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 5,059 |
| Noncurrent loans to loans | 0.2485% | 4,539 |
| Net loans and leases to total assets | 53.0993% | 4,587 |
| Net loans and leases to deposits | 60.9869% | 4,705 |
| Net loans and leases to core deposits | 61.7378% | 4,889 |
| Total domestic deposits to total assets | 87.0668% | 2,097 |
| Equity capital to assets | 9.7990% | 4,190 |
| Core capital (leverage) ratio | 9.6593% | 3,962 |
| Tier 1 risk-based capital ratio | 16.1422% | 2,626 |
| Total risk-based capital ratio | 16.9738% | 2,755 |
| Memoranda: | ||
| Average total assets | $62,647,800 | 5,254 |
| Average earning assets | $56,594,600 | 5,275 |
| Average equity | $6,119,200 | 5,411 |
| Average total loans | $31,868,000 | 5,299 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2467% | 2,418 |
| Cost of funding earning assets | 0.2754% | 4,607 |
| Net interest margin | 3.9714% | 1,799 |
| Noninterest income to average assets | 0.8144% | 1,755 |
| Noninterest expense to average assets | 3.4366% | 1,404 |
| Loan and lease loss provision to assets | -0.5074% | 6,212 |
| Net operating income to assets | 1.3725% | 1,172 |
| Return on assets (ROA) | 1.4454% | 1,063 |
| Pretax return on assets | 1.5286% | 1,604 |
| Return on Equity (ROE) | 14.8102% | 753 |
| Retained earnings to average equity (ytd only) | 5.2207% | 2,764 |
| Net charge-offs to loans | 0.0467% | 2,959 |
| Credit loss provision to net charge-offs | -2,163.6364% | 5,605 |
| Earnings coverage of net charge-offs (x) | 40.2624% | 1,240 |
| Efficiency ratio | 78.4428% | 1,895 |
| Assets per employee ($millions) | 3.9203% | 4,037 |
| Cash dividends to net income (ytd only)* | 64.7492% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 5,062 |
| Loan loss allowance to noncurrent loans | 274.0741% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.1722% | 5,063 |
| Noncurrent loans to loans | 0.3401% | 4,396 |
| Net loans and leases to total assets | 50.1626% | 4,918 |
| Net loans and leases to deposits | 57.5473% | 5,028 |
| Net loans and leases to core deposits | 58.2591% | 5,174 |
| Total domestic deposits to total assets | 87.1676% | 1,950 |
| Equity capital to assets | 9.7698% | 4,419 |
| Core capital (leverage) ratio | 9.7585% | 3,953 |
| Tier 1 risk-based capital ratio | 16.5497% | 2,547 |
| Total risk-based capital ratio | 17.3682% | 2,699 |
| Memoranda: | ||
| Average total assets | $62,540,250 | 5,328 |
| Average earning assets | $56,167,000 | 5,357 |
| Average equity | $6,103,750 | 5,480 |
| Average total loans | $31,384,250 | 5,372 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2726% | 2,270 |
| Cost of funding earning assets | 0.2737% | 4,681 |
| Net interest margin | 3.9989% | 1,638 |
| Noninterest income to average assets | 0.7394% | 2,044 |
| Noninterest expense to average assets | 3.3483% | 1,579 |
| Loan and lease loss provision to assets | -0.7619% | 6,307 |
| Net operating income to assets | 1.6758% | 652 |
| Return on assets (ROA) | 1.7926% | 549 |
| Pretax return on assets | 1.8758% | 772 |
| Return on Equity (ROE) | 18.3737% | 388 |
| Retained earnings to average equity (ytd only) | 8.2025% | 1,186 |
| Net charge-offs to loans | 0.0192% | 3,309 |
| Credit loss provision to net charge-offs | -7,933.3333% | 5,623 |
| Earnings coverage of net charge-offs (x) | 103.3333% | 587 |
| Efficiency ratio | 77.1386% | 2,179 |
| Assets per employee ($millions) | 3.8026% | 4,252 |
| Cash dividends to net income (ytd only)* | 55.3571% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 5,005 |
| Loan loss allowance to noncurrent loans | 334.0659% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 5,273 |
| Noncurrent loans to loans | 0.2904% | 4,645 |
| Net loans and leases to total assets | 51.0108% | 4,847 |
| Net loans and leases to deposits | 57.2293% | 5,046 |
| Net loans and leases to core deposits | 57.9419% | 5,199 |
| Total domestic deposits to total assets | 89.1342% | 1,076 |
| Equity capital to assets | 9.7055% | 4,392 |
| Core capital (leverage) ratio | 9.7020% | 3,998 |
| Tier 1 risk-based capital ratio | 16.4874% | 2,615 |
| Total risk-based capital ratio | 17.3230% | 2,778 |
| Memoranda: | ||
| Average total assets | $62,479,000 | 5,382 |
| Average earning assets | $56,265,000 | 5,407 |
| Average equity | $6,095,670 | 5,531 |
| Average total loans | $31,259,000 | 5,426 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2974% | 2,107 |
| Cost of funding earning assets | 0.2752% | 4,723 |
| Net interest margin | 4.0222% | 1,488 |
| Noninterest income to average assets | 0.7583% | 1,872 |
| Noninterest expense to average assets | 3.2798% | 1,770 |
| Loan and lease loss provision to assets | -1.5040% | 6,397 |
| Net operating income to assets | 2.5095% | 153 |
| Return on assets (ROA) | 2.7363% | 118 |
| Pretax return on assets | 2.8184% | 155 |
| Return on Equity (ROE) | 27.9761% | 69 |
| Retained earnings to average equity (ytd only) | 27.9761% | 28 |
| Net charge-offs to loans | -0.0128% | 4,834 |
| Credit loss provision to net charge-offs | 23,800.0000% | 10 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2174% | 2,629 |
| Assets per employee ($millions) | 3.9739% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 5,096 |
| Loan loss allowance to noncurrent loans | 248.3871% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 5,172 |
| Noncurrent loans to loans | 0.3977% | 4,398 |
| Net loans and leases to total assets | 48.5530% | 4,978 |
| Net loans and leases to deposits | 54.6070% | 5,150 |
| Net loans and leases to core deposits | 55.2590% | 5,296 |
| Total domestic deposits to total assets | 88.9135% | 1,326 |
| Equity capital to assets | 10.2120% | 3,871 |
| Core capital (leverage) ratio | 9.9859% | 3,617 |
| Tier 1 risk-based capital ratio | 16.7109% | 2,593 |
| Total risk-based capital ratio | 17.5280% | 2,729 |
| Memoranda: | ||
| Average total assets | $63,297,500 | 5,416 |
| Average earning assets | $56,685,500 | 5,451 |
| Average equity | $6,191,000 | 5,556 |
| Average total loans | $31,218,500 | 5,463 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2136% | 2,908 |
| Cost of funding earning assets | 0.2989% | 4,810 |
| Net interest margin | 3.9147% | 2,178 |
| Noninterest income to average assets | 0.8688% | 1,610 |
| Noninterest expense to average assets | 3.5138% | 1,456 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8268% | 3,244 |
| Return on assets (ROA) | 0.8720% | 3,095 |
| Pretax return on assets | 0.9297% | 3,782 |
| Return on Equity (ROE) | 10.0136% | 2,115 |
| Retained earnings to average equity (ytd only) | -4.1048% | 6,143 |
| Net charge-offs to loans | 0.0640% | 3,573 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 1,428 |
| Efficiency ratio | 79.9416% | 1,939 |
| Assets per employee ($millions) | 3.7066% | 4,513 |
| Cash dividends to net income (ytd only)* | 140.9926% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7436% | 1,672 |
| Loan loss allowance to noncurrent loans | 330.3030% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 4,979 |
| Noncurrent loans to loans | 0.5279% | 4,087 |
| Net loans and leases to total assets | 48.7407% | 5,093 |
| Net loans and leases to deposits | 54.5747% | 5,288 |
| Net loans and leases to core deposits | 55.5369% | 5,410 |
| Total domestic deposits to total assets | 89.3101% | 1,065 |
| Equity capital to assets | 9.3457% | 4,916 |
| Core capital (leverage) ratio | 9.3096% | 4,527 |
| Tier 1 risk-based capital ratio | 15.4279% | 3,261 |
| Total risk-based capital ratio | 16.6824% | 3,204 |
| Memoranda: | ||
| Average total assets | $62,383,200 | 5,490 |
| Average earning assets | $56,198,800 | 5,515 |
| Average equity | $5,432,600 | 5,754 |
| Average total loans | $31,229,600 | 5,520 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2354% | 2,862 |
| Cost of funding earning assets | 0.3020% | 4,870 |
| Net interest margin | 3.9334% | 2,101 |
| Noninterest income to average assets | 0.9278% | 1,425 |
| Noninterest expense to average assets | 3.5226% | 1,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8810% | 3,016 |
| Return on assets (ROA) | 0.9428% | 2,809 |
| Pretax return on assets | 1.0156% | 3,536 |
| Return on Equity (ROE) | 11.0304% | 1,779 |
| Retained earnings to average equity (ytd only) | -8.0974% | 6,347 |
| Net charge-offs to loans | -0.0086% | 5,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7734% | 2,077 |
| Assets per employee ($millions) | 3.6347% | 4,605 |
| Cash dividends to net income (ytd only)* | 173.4100% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8259% | 1,641 |
| Loan loss allowance to noncurrent loans | 429.5455% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 5,359 |
| Noncurrent loans to loans | 0.4251% | 4,631 |
| Net loans and leases to total assets | 49.3381% | 5,074 |
| Net loans and leases to deposits | 55.0726% | 5,301 |
| Net loans and leases to core deposits | 55.7443% | 5,463 |
| Total domestic deposits to total assets | 89.5873% | 941 |
| Equity capital to assets | 9.0484% | 5,304 |
| Core capital (leverage) ratio | 9.2602% | 4,694 |
| Tier 1 risk-based capital ratio | 15.4014% | 3,371 |
| Total risk-based capital ratio | 16.6529% | 3,306 |
| Memoranda: | ||
| Average total assets | $62,225,750 | 5,558 |
| Average earning assets | $56,065,750 | 5,580 |
| Average equity | $5,318,500 | 5,839 |
| Average total loans | $31,222,500 | 5,576 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2141% | 2,900 |
| Cost of funding earning assets | 0.3018% | 4,951 |
| Net interest margin | 3.9123% | 2,111 |
| Noninterest income to average assets | 0.9267% | 1,406 |
| Noninterest expense to average assets | 3.5305% | 1,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8616% | 3,001 |
| Return on assets (ROA) | 0.9331% | 2,741 |
| Pretax return on assets | 1.0069% | 3,451 |
| Return on Equity (ROE) | 11.1331% | 1,699 |
| Retained earnings to average equity (ytd only) | -14.0407% | 6,480 |
| Net charge-offs to loans | -0.0256% | 5,629 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1517% | 2,147 |
| Assets per employee ($millions) | 3.6486% | 4,551 |
| Cash dividends to net income (ytd only)* | 226.1168% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7952% | 1,854 |
| Loan loss allowance to noncurrent loans | 418.3824% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2193% | 5,455 |
| Noncurrent loans to loans | 0.4291% | 4,703 |
| Net loans and leases to total assets | 50.1822% | 4,946 |
| Net loans and leases to deposits | 55.9036% | 5,196 |
| Net loans and leases to core deposits | 56.5804% | 5,370 |
| Total domestic deposits to total assets | 89.7656% | 924 |
| Equity capital to assets | 8.8108% | 5,511 |
| Core capital (leverage) ratio | 9.3126% | 4,569 |
| Tier 1 risk-based capital ratio | 15.0318% | 3,617 |
| Total risk-based capital ratio | 16.2838% | 3,562 |
| Memoranda: | ||
| Average total assets | $62,371,000 | 5,602 |
| Average earning assets | $56,335,000 | 5,607 |
| Average equity | $5,227,670 | 5,906 |
| Average total loans | $31,279,000 | 5,615 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1964% | 2,889 |
| Cost of funding earning assets | 0.3079% | 4,989 |
| Net interest margin | 3.8885% | 2,124 |
| Noninterest income to average assets | 0.7227% | 2,072 |
| Noninterest expense to average assets | 3.6007% | 1,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5244% | 4,573 |
| Return on assets (ROA) | 0.5244% | 4,645 |
| Pretax return on assets | 0.5948% | 4,850 |
| Return on Equity (ROE) | 6.4200% | 3,796 |
| Retained earnings to average equity (ytd only) | -45.0969% | 6,662 |
| Net charge-offs to loans | -0.0129% | 5,143 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8232% | 1,475 |
| Assets per employee ($millions) | 3.2924% | 5,353 |
| Cash dividends to net income (ytd only)* | 802.4390% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8531% | 1,892 |
| Loan loss allowance to noncurrent loans | 401.4184% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 5,528 |
| Noncurrent loans to loans | 0.4616% | 4,770 |
| Net loans and leases to total assets | 47.9226% | 5,140 |
| Net loans and leases to deposits | 52.6345% | 5,416 |
| Net loans and leases to core deposits | 53.2573% | 5,551 |
| Total domestic deposits to total assets | 91.0479% | 549 |
| Equity capital to assets | 7.9402% | 6,094 |
| Core capital (leverage) ratio | 8.8242% | 5,239 |
| Tier 1 risk-based capital ratio | 14.7356% | 3,864 |
| Total risk-based capital ratio | 15.9877% | 3,815 |
| Memoranda: | ||
| Average total assets | $62,543,500 | 5,656 |
| Average earning assets | $55,857,000 | 5,671 |
| Average equity | $5,109,000 | 5,970 |
| Average total loans | $31,071,000 | 5,671 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 2,427 |
| Cost of funding earning assets | 0.3627% | 5,023 |
| Net interest margin | 4.0795% | 1,706 |
| Noninterest income to average assets | 1.0602% | 1,252 |
| Noninterest expense to average assets | 3.5632% | 1,525 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0642% | 2,058 |
| Return on assets (ROA) | 1.0761% | 2,099 |
| Pretax return on assets | 1.1495% | 2,772 |
| Return on Equity (ROE) | 11.7183% | 1,512 |
| Retained earnings to average equity (ytd only) | 0.4514% | 5,642 |
| Net charge-offs to loans | -0.2128% | 6,623 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8141% | 2,806 |
| Assets per employee ($millions) | 3.2912% | 5,309 |
| Cash dividends to net income (ytd only)* | 96.1481% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7881% | 2,100 |
| Loan loss allowance to noncurrent loans | 392.3611% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2303% | 5,590 |
| Noncurrent loans to loans | 0.4557% | 4,857 |
| Net loans and leases to total assets | 49.6274% | 5,128 |
| Net loans and leases to deposits | 56.7943% | 5,230 |
| Net loans and leases to core deposits | 57.4951% | 5,427 |
| Total domestic deposits to total assets | 87.3809% | 2,536 |
| Equity capital to assets | 8.3973% | 5,698 |
| Core capital (leverage) ratio | 9.8961% | 3,714 |
| Tier 1 risk-based capital ratio | 15.8883% | 3,152 |
| Total risk-based capital ratio | 17.1423% | 3,105 |
| Memoranda: | ||
| Average total assets | $62,724,000 | 5,686 |
| Average earning assets | $55,963,200 | 5,704 |
| Average equity | $5,760,200 | 5,866 |
| Average total loans | $30,551,000 | 5,734 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4526% | 2,405 |
| Cost of funding earning assets | 0.3760% | 5,038 |
| Net interest margin | 4.0766% | 1,698 |
| Noninterest income to average assets | 1.1427% | 1,121 |
| Noninterest expense to average assets | 3.4898% | 1,632 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2489% | 1,487 |
| Return on assets (ROA) | 1.2489% | 1,561 |
| Pretax return on assets | 1.2914% | 2,366 |
| Return on Equity (ROE) | 13.3160% | 1,167 |
| Retained earnings to average equity (ytd only) | -1.2455% | 6,168 |
| Net charge-offs to loans | -0.2817% | 6,715 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9898% | 3,219 |
| Assets per employee ($millions) | 3.0987% | 5,676 |
| Cash dividends to net income (ytd only)* | 109.3536% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8890% | 2,033 |
| Loan loss allowance to noncurrent loans | 359.2357% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 5,680 |
| Noncurrent loans to loans | 0.5258% | 4,881 |
| Net loans and leases to total assets | 47.2674% | 5,422 |
| Net loans and leases to deposits | 52.3229% | 5,685 |
| Net loans and leases to core deposits | 52.9519% | 5,836 |
| Total domestic deposits to total assets | 90.3377% | 827 |
| Equity capital to assets | 8.4634% | 5,776 |
| Core capital (leverage) ratio | 9.7218% | 4,073 |
| Tier 1 risk-based capital ratio | 16.0855% | 3,143 |
| Total risk-based capital ratio | 17.3377% | 3,105 |
| Memoranda: | ||
| Average total assets | $62,772,000 | 5,745 |
| Average earning assets | $56,026,000 | 5,762 |
| Average equity | $5,887,500 | 5,917 |
| Average total loans | $30,289,250 | 5,798 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4557% | 2,358 |
| Cost of funding earning assets | 0.3909% | 5,025 |
| Net interest margin | 4.0649% | 1,647 |
| Noninterest income to average assets | 1.2310% | 1,026 |
| Noninterest expense to average assets | 3.4741% | 1,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3420% | 1,220 |
| Return on assets (ROA) | 1.3420% | 1,310 |
| Pretax return on assets | 1.3865% | 1,980 |
| Return on Equity (ROE) | 13.8651% | 1,041 |
| Retained earnings to average equity (ytd only) | 6.2934% | 2,268 |
| Net charge-offs to loans | -0.3943% | 6,796 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4752% | 3,561 |
| Assets per employee ($millions) | 3.0874% | 5,706 |
| Cash dividends to net income (ytd only)* | 54.6099% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8754% | 2,181 |
| Loan loss allowance to noncurrent loans | 280.0000% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 5,503 |
| Noncurrent loans to loans | 0.6698% | 4,598 |
| Net loans and leases to total assets | 47.4525% | 5,378 |
| Net loans and leases to deposits | 52.8441% | 5,614 |
| Net loans and leases to core deposits | 53.4856% | 5,795 |
| Total domestic deposits to total assets | 89.7972% | 1,150 |
| Equity capital to assets | 8.9768% | 5,242 |
| Core capital (leverage) ratio | 9.8089% | 3,780 |
| Tier 1 risk-based capital ratio | 16.8177% | 2,779 |
| Total risk-based capital ratio | 18.0699% | 2,751 |
| Memoranda: | ||
| Average total assets | $63,038,330 | 5,777 |
| Average earning assets | $56,287,000 | 5,792 |
| Average equity | $6,101,670 | 5,903 |
| Average total loans | $30,433,330 | 5,826 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3811% | 2,592 |
| Cost of funding earning assets | 0.4162% | 4,947 |
| Net interest margin | 3.9648% | 1,903 |
| Noninterest income to average assets | 0.7914% | 2,156 |
| Noninterest expense to average assets | 3.3101% | 2,062 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9673% | 2,361 |
| Return on assets (ROA) | 0.9673% | 2,493 |
| Pretax return on assets | 1.0113% | 3,301 |
| Return on Equity (ROE) | 9.6537% | 2,206 |
| Retained earnings to average equity (ytd only) | 1.5045% | 5,231 |
| Net charge-offs to loans | -0.0651% | 6,246 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5988% | 2,827 |
| Assets per employee ($millions) | 3.3802% | 5,258 |
| Cash dividends to net income (ytd only)* | 84.4156% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6662% | 3,148 |
| Loan loss allowance to noncurrent loans | 137.9781% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.5699% | 4,965 |
| Noncurrent loans to loans | 1.2076% | 3,754 |
| Net loans and leases to total assets | 46.4071% | 5,397 |
| Net loans and leases to deposits | 52.2914% | 5,590 |
| Net loans and leases to core deposits | 52.9087% | 5,754 |
| Total domestic deposits to total assets | 88.7470% | 1,836 |
| Equity capital to assets | 9.8485% | 4,352 |
| Core capital (leverage) ratio | 9.4922% | 4,099 |
| Tier 1 risk-based capital ratio | 16.3265% | 3,096 |
| Total risk-based capital ratio | 17.5758% | 3,047 |
| Memoranda: | ||
| Average total assets | $63,683,500 | 5,813 |
| Average earning assets | $56,698,500 | 5,834 |
| Average equity | $6,381,000 | 5,891 |
| Average total loans | $30,719,500 | 5,861 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8603% | 1,984 |
| Cost of funding earning assets | 0.5800% | 4,535 |
| Net interest margin | 4.2803% | 1,445 |
| Noninterest income to average assets | 0.9382% | 1,748 |
| Noninterest expense to average assets | 3.6522% | 1,498 |
| Loan and lease loss provision to assets | 0.2865% | 2,372 |
| Net operating income to assets | 0.7861% | 3,343 |
| Return on assets (ROA) | 1.1586% | 1,902 |
| Pretax return on assets | 1.1744% | 2,890 |
| Return on Equity (ROE) | 11.8203% | 1,561 |
| Retained earnings to average equity (ytd only) | 9.1382% | 782 |
| Net charge-offs to loans | 0.3082% | 3,102 |
| Credit loss provision to net charge-offs | 185.7143% | 1,410 |
| Earnings coverage of net charge-offs (x) | 7.0306% | 2,691 |
| Efficiency ratio | 77.1020% | 2,578 |
| Assets per employee ($millions) | 3.3234% | 5,373 |
| Cash dividends to net income (ytd only)* | 22.6902% | 3,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6062% | 3,280 |
| Loan loss allowance to noncurrent loans | 118.4834% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 4,810 |
| Noncurrent loans to loans | 1.3556% | 3,569 |
| Net loans and leases to total assets | 48.5082% | 5,359 |
| Net loans and leases to deposits | 54.7649% | 5,574 |
| Net loans and leases to core deposits | 55.4219% | 5,759 |
| Total domestic deposits to total assets | 88.5753% | 1,856 |
| Equity capital to assets | 10.1942% | 3,897 |
| Core capital (leverage) ratio | 9.5710% | 4,006 |
| Tier 1 risk-based capital ratio | 16.3939% | 2,943 |
| Total risk-based capital ratio | 17.6019% | 2,923 |
| Memoranda: | ||
| Average total assets | $63,523,800 | 5,838 |
| Average earning assets | $56,375,200 | 5,853 |
| Average equity | $6,226,600 | 5,962 |
| Average total loans | $31,797,800 | 5,863 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8869% | 2,059 |
| Cost of funding earning assets | 0.6224% | 4,430 |
| Net interest margin | 4.2645% | 1,566 |
| Noninterest income to average assets | 0.9619% | 1,633 |
| Noninterest expense to average assets | 3.6341% | 1,490 |
| Loan and lease loss provision to assets | 0.3835% | 1,683 |
| Net operating income to assets | 0.7210% | 3,823 |
| Return on assets (ROA) | 1.0772% | 2,381 |
| Pretax return on assets | 1.0772% | 3,433 |
| Return on Equity (ROE) | 11.1001% | 1,922 |
| Retained earnings to average equity (ytd only) | 7.7311% | 1,738 |
| Net charge-offs to loans | 0.4130% | 2,438 |
| Credit loss provision to net charge-offs | 184.8485% | 1,500 |
| Earnings coverage of net charge-offs (x) | 5.3231% | 3,049 |
| Efficiency ratio | 76.6917% | 2,565 |
| Assets per employee ($millions) | 3.2993% | 5,441 |
| Cash dividends to net income (ytd only)* | 30.3493% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 3,824 |
| Loan loss allowance to noncurrent loans | 266.2983% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 5,982 |
| Noncurrent loans to loans | 0.5739% | 5,286 |
| Net loans and leases to total assets | 49.5430% | 5,366 |
| Net loans and leases to deposits | 57.4683% | 5,485 |
| Net loans and leases to core deposits | 58.5109% | 5,703 |
| Total domestic deposits to total assets | 86.2093% | 3,144 |
| Equity capital to assets | 10.1297% | 4,315 |
| Core capital (leverage) ratio | 9.3148% | 4,557 |
| Tier 1 risk-based capital ratio | 15.6532% | 3,454 |
| Total risk-based capital ratio | 16.8640% | 3,432 |
| Memoranda: | ||
| Average total assets | $63,618,750 | 5,891 |
| Average earning assets | $56,339,500 | 5,923 |
| Average equity | $6,174,000 | 6,042 |
| Average total loans | $31,964,750 | 5,929 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9278% | 1,997 |
| Cost of funding earning assets | 0.6670% | 4,303 |
| Net interest margin | 4.2609% | 1,577 |
| Noninterest income to average assets | 0.9354% | 1,661 |
| Noninterest expense to average assets | 3.5915% | 1,592 |
| Loan and lease loss provision to assets | 0.5725% | 1,060 |
| Net operating income to assets | 0.5287% | 4,683 |
| Return on assets (ROA) | 1.0605% | 2,434 |
| Pretax return on assets | 1.0605% | 3,460 |
| Return on Equity (ROE) | 11.0869% | 1,964 |
| Retained earnings to average equity (ytd only) | 7.7510% | 1,741 |
| Net charge-offs to loans | 0.5108% | 2,053 |
| Credit loss provision to net charge-offs | 223.1707% | 1,272 |
| Earnings coverage of net charge-offs (x) | 4.2927% | 3,124 |
| Efficiency ratio | 76.5333% | 2,665 |
| Assets per employee ($millions) | 3.3412% | 5,354 |
| Cash dividends to net income (ytd only)* | 30.0885% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 3,842 |
| Loan loss allowance to noncurrent loans | 269.7297% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.2914% | 6,039 |
| Noncurrent loans to loans | 0.5696% | 5,371 |
| Net loans and leases to total assets | 50.3781% | 5,308 |
| Net loans and leases to deposits | 57.6952% | 5,481 |
| Net loans and leases to core deposits | 58.7141% | 5,719 |
| Total domestic deposits to total assets | 87.3177% | 2,586 |
| Equity capital to assets | 9.7602% | 4,687 |
| Core capital (leverage) ratio | 9.0703% | 4,806 |
| Tier 1 risk-based capital ratio | 15.3624% | 3,533 |
| Total risk-based capital ratio | 16.6132% | 3,490 |
| Memoranda: | ||
| Average total assets | $63,929,330 | 5,918 |
| Average earning assets | $56,373,670 | 5,958 |
| Average equity | $6,115,330 | 6,085 |
| Average total loans | $32,106,670 | 5,962 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7544% | 2,832 |
| Cost of funding earning assets | 0.7142% | 4,161 |
| Net interest margin | 4.0402% | 2,330 |
| Noninterest income to average assets | 0.8854% | 1,814 |
| Noninterest expense to average assets | 3.5104% | 1,743 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9727% | 2,585 |
| Return on assets (ROA) | 0.9851% | 2,732 |
| Pretax return on assets | 0.9851% | 3,724 |
| Return on Equity (ROE) | 10.4033% | 2,265 |
| Retained earnings to average equity (ytd only) | 10.4033% | 1,178 |
| Net charge-offs to loans | 1.1654% | 881 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.6774% | 3,491 |
| Efficiency ratio | 78.3032% | 2,454 |
| Assets per employee ($millions) | 3.3966% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 6,355 |
| Loan loss allowance to noncurrent loans | 156.4103% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 6,138 |
| Noncurrent loans to loans | 0.6201% | 5,415 |
| Net loans and leases to total assets | 48.2521% | 5,522 |
| Net loans and leases to deposits | 55.2010% | 5,684 |
| Net loans and leases to core deposits | 56.1587% | 5,894 |
| Total domestic deposits to total assets | 87.4117% | 2,720 |
| Equity capital to assets | 9.4800% | 4,836 |
| Core capital (leverage) ratio | 8.7516% | 5,196 |
| Tier 1 risk-based capital ratio | 15.9798% | 3,189 |
| Total risk-based capital ratio | 16.8396% | 3,362 |
| Memoranda: | ||
| Average total assets | $64,153,000 | 5,955 |
| Average earning assets | $57,125,500 | 5,969 |
| Average equity | $6,075,000 | 6,128 |
| Average total loans | $31,920,000 | 6,012 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2529% | 1,856 |
| Cost of funding earning assets | 0.9883% | 3,459 |
| Net interest margin | 4.2647% | 1,826 |
| Noninterest income to average assets | 1.0437% | 1,238 |
| Noninterest expense to average assets | 3.7462% | 1,450 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1133% | 1,781 |
| Return on assets (ROA) | 1.1829% | 1,670 |
| Pretax return on assets | 1.1338% | 2,715 |
| Return on Equity (ROE) | 13.7399% | 1,004 |
| Retained earnings to average equity (ytd only) | 9.3865% | 700 |
| Net charge-offs to loans | 0.0352% | 5,958 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 56.0833% | 508 |
| Efficiency ratio | 77.8764% | 2,603 |
| Assets per employee ($millions) | 3.3563% | 5,357 |
| Cash dividends to net income (ytd only)* | 31.6845% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 5,262 |
| Loan loss allowance to noncurrent loans | 199.0000% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 6,195 |
| Noncurrent loans to loans | 0.6174% | 5,477 |
| Net loans and leases to total assets | 50.1756% | 5,558 |
| Net loans and leases to deposits | 57.0285% | 5,800 |
| Net loans and leases to core deposits | 58.0202% | 5,998 |
| Total domestic deposits to total assets | 87.9834% | 2,169 |
| Equity capital to assets | 9.4590% | 4,946 |
| Core capital (leverage) ratio | 8.6204% | 5,366 |
| Tier 1 risk-based capital ratio | 15.4279% | 3,375 |
| Total risk-based capital ratio | 16.5421% | 3,415 |
| Memoranda: | ||
| Average total assets | $63,237,000 | 5,946 |
| Average earning assets | $55,854,400 | 5,991 |
| Average equity | $5,444,000 | 6,308 |
| Average total loans | $34,050,600 | 5,950 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2928% | 1,890 |
| Cost of funding earning assets | 1.0371% | 3,411 |
| Net interest margin | 4.2557% | 1,891 |
| Noninterest income to average assets | 1.0395% | 1,248 |
| Noninterest expense to average assets | 3.7250% | 1,445 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0455% | 2,157 |
| Return on assets (ROA) | 1.0881% | 2,161 |
| Pretax return on assets | 1.1304% | 2,893 |
| Return on Equity (ROE) | 12.9630% | 1,287 |
| Retained earnings to average equity (ytd only) | 6.9975% | 1,971 |
| Net charge-offs to loans | -0.0116% | 6,803 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4264% | 2,620 |
| Assets per employee ($millions) | 3.2121% | 5,646 |
| Cash dividends to net income (ytd only)* | 46.0191% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 5,412 |
| Loan loss allowance to noncurrent loans | 178.7879% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.3596% | 6,180 |
| Noncurrent loans to loans | 0.6788% | 5,528 |
| Net loans and leases to total assets | 52.3303% | 5,405 |
| Net loans and leases to deposits | 59.4462% | 5,694 |
| Net loans and leases to core deposits | 60.4716% | 5,945 |
| Total domestic deposits to total assets | 88.0296% | 2,018 |
| Equity capital to assets | 9.1264% | 5,613 |
| Core capital (leverage) ratio | 8.2814% | 6,003 |
| Tier 1 risk-based capital ratio | 14.1661% | 4,226 |
| Total risk-based capital ratio | 15.2746% | 4,308 |
| Memoranda: | ||
| Average total assets | $63,103,750 | 5,999 |
| Average earning assets | $55,923,250 | 6,034 |
| Average equity | $5,297,000 | 6,403 |
| Average total loans | $34,464,500 | 5,996 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3055% | 1,869 |
| Cost of funding earning assets | 1.0475% | 3,618 |
| Net interest margin | 4.2580% | 1,808 |
| Noninterest income to average assets | 1.0012% | 1,314 |
| Noninterest expense to average assets | 3.7689% | 1,400 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9850% | 2,284 |
| Return on assets (ROA) | 0.9789% | 2,414 |
| Pretax return on assets | 1.0235% | 3,144 |
| Return on Equity (ROE) | 12.0196% | 1,482 |
| Retained earnings to average equity (ytd only) | 6.0685% | 2,383 |
| Net charge-offs to loans | -0.0173% | 6,790 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5382% | 2,624 |
| Assets per employee ($millions) | 3.4091% | 5,177 |
| Cash dividends to net income (ytd only)* | 49.5114% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 5,659 |
| Loan loss allowance to noncurrent loans | 186.8778% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 6,275 |
| Noncurrent loans to loans | 0.6279% | 5,666 |
| Net loans and leases to total assets | 53.7007% | 5,335 |
| Net loans and leases to deposits | 60.0110% | 5,725 |
| Net loans and leases to core deposits | 61.0185% | 6,000 |
| Total domestic deposits to total assets | 89.4847% | 1,252 |
| Equity capital to assets | 8.4435% | 6,243 |
| Core capital (leverage) ratio | 8.2002% | 6,030 |
| Tier 1 risk-based capital ratio | 13.6077% | 4,449 |
| Total risk-based capital ratio | 14.6979% | 4,554 |
| Memoranda: | ||
| Average total assets | $62,724,330 | 6,063 |
| Average earning assets | $55,942,000 | 6,083 |
| Average equity | $5,108,330 | 6,501 |
| Average total loans | $34,609,000 | 6,044 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3409% | 1,751 |
| Cost of funding earning assets | 1.0740% | 3,698 |
| Net interest margin | 4.2670% | 1,676 |
| Noninterest income to average assets | 1.0049% | 1,312 |
| Noninterest expense to average assets | 3.8249% | 1,299 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9718% | 2,275 |
| Return on assets (ROA) | 0.9595% | 2,384 |
| Pretax return on assets | 1.0049% | 3,118 |
| Return on Equity (ROE) | 12.0130% | 1,459 |
| Retained earnings to average equity (ytd only) | 5.9253% | 2,683 |
| Net charge-offs to loans | -0.0233% | 6,624 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9826% | 2,695 |
| Assets per employee ($millions) | 3.0954% | 5,963 |
| Cash dividends to net income (ytd only)* | 50.6757% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 5,595 |
| Loan loss allowance to noncurrent loans | 479.0698% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 6,817 |
| Noncurrent loans to loans | 0.2521% | 6,481 |
| Net loans and leases to total assets | 54.4356% | 5,238 |
| Net loans and leases to deposits | 60.3672% | 5,687 |
| Net loans and leases to core deposits | 61.4201% | 5,979 |
| Total domestic deposits to total assets | 90.1741% | 1,043 |
| Equity capital to assets | 8.0975% | 6,392 |
| Core capital (leverage) ratio | 8.1598% | 6,034 |
| Tier 1 risk-based capital ratio | 13.7992% | 4,213 |
| Total risk-based capital ratio | 14.9199% | 4,281 |
| Memoranda: | ||
| Average total assets | $61,700,500 | 6,132 |
| Average earning assets | $55,496,000 | 6,144 |
| Average equity | $4,928,000 | 6,588 |
| Average total loans | $34,315,500 | 6,113 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3596% | 2,859 |
| Cost of funding earning assets | 1.4989% | 2,641 |
| Net interest margin | 3.8607% | 3,687 |
| Noninterest income to average assets | 1.1359% | 1,145 |
| Noninterest expense to average assets | 3.9481% | 1,240 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3666% | 4,689 |
| Return on assets (ROA) | 0.4534% | 4,466 |
| Pretax return on assets | 0.7519% | 3,793 |
| Return on Equity (ROE) | 4.9458% | 4,093 |
| Retained earnings to average equity (ytd only) | -9.7332% | 6,651 |
| Net charge-offs to loans | -0.0447% | 7,437 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4970% | 1,633 |
| Assets per employee ($millions) | 3.0747% | 5,935 |
| Cash dividends to net income (ytd only)* | 296.7972% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 5,578 |
| Loan loss allowance to noncurrent loans | 745.4545% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 7,008 |
| Noncurrent loans to loans | 0.1593% | 6,750 |
| Net loans and leases to total assets | 55.4681% | 5,419 |
| Net loans and leases to deposits | 62.3212% | 5,818 |
| Net loans and leases to core deposits | 63.1332% | 6,138 |
| Total domestic deposits to total assets | 89.0036% | 1,658 |
| Equity capital to assets | 7.8757% | 6,614 |
| Core capital (leverage) ratio | 8.0069% | 6,194 |
| Tier 1 risk-based capital ratio | 13.5089% | 4,192 |
| Total risk-based capital ratio | 14.6164% | 4,276 |
| Memoranda: | ||
| Average total assets | $61,979,400 | 6,126 |
| Average earning assets | $55,041,400 | 6,171 |
| Average equity | $5,681,600 | 6,460 |
| Average total loans | $33,536,200 | 6,230 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3654% | 3,050 |
| Cost of funding earning assets | 1.5798% | 2,513 |
| Net interest margin | 3.7856% | 4,032 |
| Noninterest income to average assets | 1.1250% | 1,105 |
| Noninterest expense to average assets | 3.6306% | 1,715 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8347% | 2,862 |
| Return on assets (ROA) | 0.9983% | 2,359 |
| Pretax return on assets | 1.0091% | 3,149 |
| Return on Equity (ROE) | 10.5237% | 1,925 |
| Retained earnings to average equity (ytd only) | 8.6454% | 1,185 |
| Net charge-offs to loans | -0.0441% | 7,453 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1420% | 2,180 |
| Assets per employee ($millions) | 3.1119% | 5,897 |
| Cash dividends to net income (ytd only)* | 17.8490% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 5,557 |
| Loan loss allowance to noncurrent loans | 700.0000% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 7,122 |
| Noncurrent loans to loans | 0.1694% | 6,844 |
| Net loans and leases to total assets | 54.3478% | 5,796 |
| Net loans and leases to deposits | 64.2389% | 5,886 |
| Net loans and leases to core deposits | 65.1094% | 6,198 |
| Total domestic deposits to total assets | 84.6027% | 3,827 |
| Equity capital to assets | 9.8573% | 4,343 |
| Core capital (leverage) ratio | 9.5991% | 3,766 |
| Tier 1 risk-based capital ratio | 16.0784% | 2,725 |
| Total risk-based capital ratio | 17.1781% | 2,743 |
| Memoranda: | ||
| Average total assets | $62,101,000 | 6,188 |
| Average earning assets | $54,943,750 | 6,240 |
| Average equity | $5,891,250 | 6,482 |
| Average total loans | $33,290,500 | 6,331 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2378% | 3,778 |
| Cost of funding earning assets | 1.6119% | 2,590 |
| Net interest margin | 3.6259% | 4,707 |
| Noninterest income to average assets | 1.1022% | 1,089 |
| Noninterest expense to average assets | 3.6194% | 1,732 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7638% | 3,131 |
| Return on assets (ROA) | 0.9314% | 2,525 |
| Pretax return on assets | 0.9346% | 3,362 |
| Return on Equity (ROE) | 9.9484% | 2,127 |
| Retained earnings to average equity (ytd only) | 7.5043% | 1,636 |
| Net charge-offs to loans | -0.0364% | 7,391 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5129% | 2,099 |
| Assets per employee ($millions) | 3.0558% | 6,025 |
| Cash dividends to net income (ytd only)* | 24.5675% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 5,607 |
| Loan loss allowance to noncurrent loans | 626.5625% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 7,129 |
| Noncurrent loans to loans | 0.1867% | 6,880 |
| Net loans and leases to total assets | 55.4323% | 5,796 |
| Net loans and leases to deposits | 64.6329% | 5,964 |
| Net loans and leases to core deposits | 65.0050% | 6,313 |
| Total domestic deposits to total assets | 85.7648% | 3,225 |
| Equity capital to assets | 9.8501% | 4,203 |
| Core capital (leverage) ratio | 9.3082% | 4,103 |
| Tier 1 risk-based capital ratio | 16.2513% | 2,574 |
| Total risk-based capital ratio | 17.3805% | 2,576 |
| Memoranda: | ||
| Average total assets | $62,055,330 | 6,233 |
| Average earning assets | $56,207,000 | 6,236 |
| Average equity | $5,810,000 | 6,525 |
| Average total loans | $32,977,000 | 6,385 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2602% | 3,735 |
| Cost of funding earning assets | 1.7700% | 2,012 |
| Net interest margin | 3.4901% | 5,201 |
| Noninterest income to average assets | 1.0556% | 1,141 |
| Noninterest expense to average assets | 3.5378% | 1,894 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6461% | 3,684 |
| Return on assets (ROA) | 0.6461% | 3,802 |
| Pretax return on assets | 0.6461% | 4,430 |
| Return on Equity (ROE) | 7.0815% | 3,307 |
| Retained earnings to average equity (ytd only) | 2.2436% | 4,787 |
| Net charge-offs to loans | -0.0371% | 7,258 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5566% | 1,972 |
| Assets per employee ($millions) | 3.0920% | 6,015 |
| Cash dividends to net income (ytd only)* | 68.3168% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 5,319 |
| Loan loss allowance to noncurrent loans | 6,650.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 7,475 |
| Noncurrent loans to loans | 0.0185% | 7,371 |
| Net loans and leases to total assets | 51.7012% | 6,303 |
| Net loans and leases to deposits | 60.0785% | 6,460 |
| Net loans and leases to core deposits | 60.7059% | 6,694 |
| Total domestic deposits to total assets | 86.0560% | 3,128 |
| Equity capital to assets | 9.2901% | 4,852 |
| Core capital (leverage) ratio | 8.7656% | 4,911 |
| Tier 1 risk-based capital ratio | 16.2336% | 2,545 |
| Total risk-based capital ratio | 17.3933% | 2,550 |
| Memoranda: | ||
| Average total assets | $62,525,000 | 6,285 |
| Average earning assets | $56,044,000 | 6,324 |
| Average equity | $5,705,000 | 6,615 |
| Average total loans | $32,326,000 | 6,494 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7480% | 2,870 |
| Cost of funding earning assets | 2.4460% | 1,173 |
| Net interest margin | 3.3019% | 5,738 |
| Noninterest income to average assets | 1.1394% | 1,188 |
| Noninterest expense to average assets | 3.5789% | 2,200 |
| Loan and lease loss provision to assets | -0.1574% | 7,994 |
| Net operating income to assets | 0.6783% | 3,024 |
| Return on assets (ROA) | 0.5587% | 3,574 |
| Pretax return on assets | 0.4580% | 4,328 |
| Return on Equity (ROE) | 6.3989% | 3,035 |
| Retained earnings to average equity (ytd only) | 3.8574% | 2,508 |
| Net charge-offs to loans | 0.1024% | 6,112 |
| Credit loss provision to net charge-offs | -303.0303% | 7,409 |
| Earnings coverage of net charge-offs (x) | 8.0909% | 2,005 |
| Efficiency ratio | 89.4923% | 1,748 |
| Assets per employee ($millions) | 3.1605% | 5,827 |
| Cash dividends to net income (ytd only)* | 39.7183% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 5,221 |
| Loan loss allowance to noncurrent loans | 4,937.5000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 7,499 |
| Noncurrent loans to loans | 0.0248% | 7,378 |
| Net loans and leases to total assets | 50.4445% | 6,585 |
| Net loans and leases to deposits | 60.8872% | 6,574 |
| Net loans and leases to core deposits | 71.2504% | 6,696 |
| Total domestic deposits to total assets | 82.8492% | 4,583 |
| Equity capital to assets | 8.9622% | 5,204 |
| Core capital (leverage) ratio | 8.6814% | 4,954 |
| Tier 1 risk-based capital ratio | 16.2174% | 2,427 |
| Total risk-based capital ratio | 17.3739% | 2,398 |
| Memoranda: | ||
| Average total assets | $63,539,600 | 6,216 |
| Average earning assets | $55,028,200 | 6,335 |
| Average equity | $5,547,800 | 6,756 |
| Average total loans | $32,236,600 | 6,507 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7984% | 2,904 |
| Cost of funding earning assets | 2.5876% | 1,061 |
| Net interest margin | 3.2108% | 5,974 |
| Noninterest income to average assets | 1.1589% | 1,175 |
| Noninterest expense to average assets | 3.5605% | 2,122 |
| Loan and lease loss provision to assets | -0.2096% | 8,082 |
| Net operating income to assets | 0.5721% | 3,722 |
| Return on assets (ROA) | 0.0796% | 5,576 |
| Pretax return on assets | 0.0796% | 5,559 |
| Return on Equity (ROE) | 0.9182% | 5,519 |
| Retained earnings to average equity (ytd only) | -2.4885% | 5,817 |
| Net charge-offs to loans | 0.1324% | 5,372 |
| Credit loss provision to net charge-offs | -312.5000% | 7,244 |
| Earnings coverage of net charge-offs (x) | 5.4057% | 2,830 |
| Efficiency ratio | 90.7585% | 1,623 |
| Assets per employee ($millions) | 3.0553% | 6,028 |
| Cash dividends to net income (ytd only)* | 371.0282% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 5,276 |
| Loan loss allowance to noncurrent loans | 1,072.9730% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 7,413 |
| Noncurrent loans to loans | 0.1094% | 7,204 |
| Net loans and leases to total assets | 52.1134% | 6,590 |
| Net loans and leases to deposits | 63.6447% | 6,526 |
| Net loans and leases to core deposits | 76.1802% | 6,599 |
| Total domestic deposits to total assets | 81.8818% | 4,723 |
| Equity capital to assets | 8.5892% | 6,126 |
| Core capital (leverage) ratio | 8.2463% | 5,925 |
| Tier 1 risk-based capital ratio | 14.5635% | 3,244 |
| Total risk-based capital ratio | 15.6677% | 3,267 |
| Memoranda: | ||
| Average total assets | $63,622,000 | 6,262 |
| Average earning assets | $54,772,000 | 6,386 |
| Average equity | $5,518,500 | 6,839 |
| Average total loans | $32,225,500 | 6,555 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9128% | 2,531 |
| Cost of funding earning assets | 2.7333% | 954 |
| Net interest margin | 3.1795% | 5,981 |
| Noninterest income to average assets | 1.1538% | 1,174 |
| Noninterest expense to average assets | 3.4646% | 2,441 |
| Loan and lease loss provision to assets | -0.3152% | 8,179 |
| Net operating income to assets | 0.6999% | 3,254 |
| Return on assets (ROA) | -0.0410% | 5,976 |
| Pretax return on assets | -0.0410% | 5,923 |
| Return on Equity (ROE) | -0.4709% | 5,992 |
| Retained earnings to average equity (ytd only) | -5.5787% | 6,391 |
| Net charge-offs to loans | 0.1325% | 4,839 |
| Credit loss provision to net charge-offs | -476.1905% | 7,051 |
| Earnings coverage of net charge-offs (x) | 5.8095% | 2,756 |
| Efficiency ratio | 90.0082% | 1,812 |
| Assets per employee ($millions) | 2.9700% | 6,209 |
| Cash dividends to net income (ytd only)* | -1,084.6154% | 8,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 4,529 |
| Loan loss allowance to noncurrent loans | 6,783.3333% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 7,618 |
| Noncurrent loans to loans | 0.0186% | 7,502 |
| Net loans and leases to total assets | 51.0991% | 6,774 |
| Net loans and leases to deposits | 61.6782% | 6,756 |
| Net loans and leases to core deposits | 74.4528% | 6,762 |
| Total domestic deposits to total assets | 82.8478% | 4,312 |
| Equity capital to assets | 8.4831% | 6,073 |
| Core capital (leverage) ratio | 8.1438% | 6,089 |
| Tier 1 risk-based capital ratio | 14.8563% | 3,087 |
| Total risk-based capital ratio | 16.0225% | 3,049 |
| Memoranda: | ||
| Average total assets | $63,442,000 | 6,313 |
| Average earning assets | $53,781,670 | 6,482 |
| Average equity | $5,521,000 | 6,890 |
| Average total loans | $31,689,330 | 6,631 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4831% | 4,995 |
| Cost of funding earning assets | 2.6369% | 1,461 |
| Net interest margin | 2.8462% | 6,883 |
| Noninterest income to average assets | 1.0504% | 1,347 |
| Noninterest expense to average assets | 3.4637% | 2,189 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1375% | 5,866 |
| Return on assets (ROA) | 0.1375% | 6,033 |
| Pretax return on assets | 0.1375% | 6,083 |
| Return on Equity (ROE) | 1.5614% | 5,939 |
| Retained earnings to average equity (ytd only) | -8.4457% | 6,957 |
| Net charge-offs to loans | 0.5096% | 2,188 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.5500% | 4,553 |
| Efficiency ratio | 96.1806% | 1,313 |
| Assets per employee ($millions) | 3.0442% | 6,038 |
| Cash dividends to net income (ytd only)* | 640.9091% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 2,826 |
| Loan loss allowance to noncurrent loans | 602.4691% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 7,207 |
| Noncurrent loans to loans | 0.2536% | 6,810 |
| Net loans and leases to total assets | 49.1952% | 6,931 |
| Net loans and leases to deposits | 61.6292% | 6,764 |
| Net loans and leases to core deposits | 75.4613% | 6,713 |
| Total domestic deposits to total assets | 79.8245% | 5,423 |
| Equity capital to assets | 8.7003% | 5,762 |
| Core capital (leverage) ratio | 8.1422% | 6,201 |
| Tier 1 risk-based capital ratio | 14.9509% | 3,091 |
| Total risk-based capital ratio | 16.1966% | 3,024 |
| Memoranda: | ||
| Average total assets | $63,977,500 | 6,326 |
| Average earning assets | $57,339,500 | 6,360 |
| Average equity | $5,636,000 | 6,903 |
| Average total loans | $31,395,000 | 6,681 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9269% | 5,915 |
| Cost of funding earning assets | 2.9435% | 2,080 |
| Net interest margin | 2.9833% | 6,957 |
| Noninterest income to average assets | 1.2127% | 1,012 |
| Noninterest expense to average assets | 3.4603% | 2,496 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4905% | 4,782 |
| Return on assets (ROA) | 0.6317% | 4,027 |
| Pretax return on assets | 0.6317% | 4,593 |
| Return on Equity (ROE) | 7.3208% | 3,355 |
| Retained earnings to average equity (ytd only) | 6.2907% | 1,396 |
| Net charge-offs to loans | -0.1637% | 8,145 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5854% | 1,711 |
| Assets per employee ($millions) | 3.0489% | 5,932 |
| Cash dividends to net income (ytd only)* | 14.0704% | 4,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7114% | 1,879 |
| Loan loss allowance to noncurrent loans | 2,933.3333% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 7,480 |
| Noncurrent loans to loans | 0.0583% | 7,274 |
| Net loans and leases to total assets | 47.3620% | 7,233 |
| Net loans and leases to deposits | 61.1408% | 7,008 |
| Net loans and leases to core deposits | 76.2734% | 6,847 |
| Total domestic deposits to total assets | 77.4638% | 5,885 |
| Equity capital to assets | 8.9183% | 5,473 |
| Core capital (leverage) ratio | 8.2829% | 5,988 |
| Tier 1 risk-based capital ratio | 15.3503% | 2,899 |
| Total risk-based capital ratio | 16.5895% | 2,840 |
| Memoranda: | ||
| Average total assets | $63,000,200 | 6,279 |
| Average earning assets | $57,821,600 | 6,269 |
| Average equity | $5,436,600 | 7,001 |
| Average total loans | $29,929,600 | 6,713 |