Home > The Farmers State Bank of Bucklin, Kansas > Performance and Condition Ratios
The Farmers State Bank of Bucklin, Kansas, 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 | 4.1583% | 3,705 |
| Cost of funding earning assets | 0.5097% | 4,184 |
| Net interest margin | 3.6486% | 1,863 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 1.8992% | 3,838 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2450% | 1,548 |
| Return on assets (ROA) | 1.2807% | 1,440 |
| Pretax return on assets | 1.7087% | 1,050 |
| Return on Equity (ROE) | 14.4200% | 1,397 |
| Retained earnings to average equity (ytd only) | 12.0212% | 627 |
| Net charge-offs to loans | -0.0073% | 3,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.3092% | 3,730 |
| Assets per employee ($millions) | 7.7118% | 1,583 |
| Cash dividends to net income (ytd only)* | 16.6456% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9105% | 448 |
| 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 | 46.5200% | 3,793 |
| Net loans and leases to deposits | 51.7397% | 3,888 |
| Net loans and leases to core deposits | 52.7680% | 4,010 |
| Total domestic deposits to total assets | 89.9100% | 779 |
| Equity capital to assets | 9.7027% | 2,196 |
| Core capital (leverage) ratio | 9.5251% | 3,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $61,919,400 | 4,191 |
| Average earning assets | $59,447,000 | 4,146 |
| Average equity | $5,498,600 | 4,214 |
| Average total loans | $27,284,200 | 4,180 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1425% | 3,577 |
| Cost of funding earning assets | 0.4643% | 4,184 |
| Net interest margin | 3.6782% | 1,824 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 1.8179% | 3,943 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3571% | 1,408 |
| Return on assets (ROA) | 1.3962% | 1,313 |
| Pretax return on assets | 1.8222% | 977 |
| Return on Equity (ROE) | 16.0900% | 1,240 |
| Retained earnings to average equity (ytd only) | 13.3659% | 763 |
| Net charge-offs to loans | -0.0100% | 3,933 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.6291% | 3,867 |
| Assets per employee ($millions) | 7.3901% | 1,702 |
| Cash dividends to net income (ytd only)* | 16.9492% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8867% | 484 |
| 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 | 49.1700% | 3,675 |
| Net loans and leases to deposits | 54.6644% | 3,768 |
| Net loans and leases to core deposits | 55.7998% | 3,863 |
| Total domestic deposits to total assets | 89.9500% | 951 |
| Equity capital to assets | 9.4417% | 2,134 |
| Core capital (leverage) ratio | 8.9726% | 3,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3716% | 777 |
| Memoranda: | ||
| Average total assets | $61,975,750 | 4,205 |
| Average earning assets | $59,447,750 | 4,161 |
| Average equity | $5,376,750 | 4,241 |
| Average total loans | $26,790,500 | 4,204 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9812% | 3,728 |
| Cost of funding earning assets | 0.3938% | 4,174 |
| Net interest margin | 3.5874% | 2,067 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 1.7194% | 4,123 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4340% | 1,250 |
| Return on assets (ROA) | 1.4747% | 1,145 |
| Pretax return on assets | 1.8370% | 950 |
| Return on Equity (ROE) | 17.4800% | 1,024 |
| Retained earnings to average equity (ytd only) | 14.1664% | 659 |
| Net charge-offs to loans | -0.0077% | 3,833 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 49.0481% | 3,992 |
| Assets per employee ($millions) | 8.0181% | 1,307 |
| Cash dividends to net income (ytd only)* | 18.9655% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9957% | 419 |
| 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 | 42.7200% | 3,935 |
| Net loans and leases to deposits | 46.8979% | 4,021 |
| Net loans and leases to core deposits | 47.7820% | 4,074 |
| Total domestic deposits to total assets | 91.0900% | 624 |
| Equity capital to assets | 8.5930% | 2,787 |
| Core capital (leverage) ratio | 8.9923% | 3,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6130% | 863 |
| Memoranda: | ||
| Average total assets | $62,927,333 | 4,219 |
| Average earning assets | $60,434,000 | 4,173 |
| Average equity | $5,308,333 | 4,267 |
| Average total loans | $25,844,333 | 4,231 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0783% | 3,296 |
| Cost of funding earning assets | 0.3276% | 4,130 |
| Net interest margin | 3.7507% | 1,790 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 1.7459% | 4,125 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4766% | 1,228 |
| Return on assets (ROA) | 1.5020% | 1,160 |
| Pretax return on assets | 1.9448% | 853 |
| Return on Equity (ROE) | 17.9800% | 1,031 |
| Retained earnings to average equity (ytd only) | 14.5971% | 857 |
| Net charge-offs to loans | -0.0161% | 4,035 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.7193% | 4,101 |
| Assets per employee ($millions) | 7.3246% | 1,735 |
| Cash dividends to net income (ytd only)* | 18.8034% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3735% | 254 |
| 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 | 39.1700% | 4,072 |
| Net loans and leases to deposits | 43.2347% | 4,120 |
| Net loans and leases to core deposits | 44.1334% | 4,165 |
| Total domestic deposits to total assets | 90.6000% | 945 |
| Equity capital to assets | 9.1694% | 2,392 |
| Core capital (leverage) ratio | 8.1566% | 4,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6810% | 596 |
| Memoranda: | ||
| Average total assets | $62,318,500 | 4,287 |
| Average earning assets | $59,828,500 | 4,236 |
| Average equity | $5,206,500 | 4,334 |
| Average total loans | $24,786,500 | 4,312 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8472% | 4,282 |
| Cost of funding earning assets | 0.1794% | 3,911 |
| Net interest margin | 2.6677% | 4,096 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 1.7324% | 4,118 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.7267% | 3,546 |
| Return on assets (ROA) | 0.7183% | 3,513 |
| Pretax return on assets | 0.8228% | 3,566 |
| Return on Equity (ROE) | 8.7600% | 3,183 |
| Retained earnings to average equity (ytd only) | 7.8982% | 1,876 |
| Net charge-offs to loans | -0.0088% | 3,775 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.5022% | 2,148 |
| Assets per employee ($millions) | 8.2550% | 1,207 |
| Cash dividends to net income (ytd only)* | 9.8434% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1371% | 336 |
| 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 | 38.6200% | 4,121 |
| Net loans and leases to deposits | 41.8646% | 4,184 |
| Net loans and leases to core deposits | 42.4033% | 4,218 |
| Total domestic deposits to total assets | 92.2500% | 572 |
| Equity capital to assets | 7.6317% | 3,304 |
| Core capital (leverage) ratio | 7.9698% | 4,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6607% | 873 |
| Memoranda: | ||
| Average total assets | $62,226,200 | 4,318 |
| Average earning assets | $59,076,200 | 4,278 |
| Average equity | $5,102,400 | 4,417 |
| Average total loans | $22,770,600 | 4,363 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6031% | 4,391 |
| Cost of funding earning assets | 0.1654% | 3,676 |
| Net interest margin | 2.4377% | 4,277 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 1.6908% | 4,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5456% | 3,979 |
| Return on assets (ROA) | 0.5353% | 3,943 |
| Pretax return on assets | 0.6767% | 3,840 |
| Return on Equity (ROE) | 6.4100% | 3,707 |
| Retained earnings to average equity (ytd only) | 5.8355% | 2,807 |
| Net charge-offs to loans | -0.0121% | 3,783 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.0238% | 1,640 |
| Assets per employee ($millions) | 7.8320% | 1,409 |
| Cash dividends to net income (ytd only)* | 8.9431% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2506% | 319 |
| 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 | 36.8800% | 4,188 |
| Net loans and leases to deposits | 40.0152% | 4,233 |
| Net loans and leases to core deposits | 40.8840% | 4,253 |
| Total domestic deposits to total assets | 92.1600% | 832 |
| Equity capital to assets | 7.6337% | 3,133 |
| Core capital (leverage) ratio | 8.0941% | 4,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4999% | 922 |
| Memoranda: | ||
| Average total assets | $61,272,750 | 4,359 |
| Average earning assets | $58,031,000 | 4,318 |
| Average equity | $5,118,000 | 4,456 |
| Average total loans | $21,947,500 | 4,409 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3433% | 4,495 |
| Cost of funding earning assets | 0.1636% | 3,391 |
| Net interest margin | 2.1796% | 4,459 |
| Noninterest income to average assets | 0.0789% | 4,558 |
| Noninterest expense to average assets | 1.7234% | 4,104 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3263% | 4,242 |
| Return on assets (ROA) | 0.3289% | 4,189 |
| Pretax return on assets | 0.4177% | 4,133 |
| Return on Equity (ROE) | 3.8243% | 4,065 |
| Retained earnings to average equity (ytd only) | 2.9830% | 3,454 |
| Net charge-offs to loans | -0.0094% | 3,567 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6154% | 899 |
| Assets per employee ($millions) | 7.7691% | 1,433 |
| Cash dividends to net income (ytd only)* | 22.0000% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4034% | 288 |
| 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 | 34.6934% | 4,301 |
| Net loans and leases to deposits | 37.7371% | 4,345 |
| Net loans and leases to core deposits | 38.5653% | 4,368 |
| Total domestic deposits to total assets | 91.9344% | 859 |
| Equity capital to assets | 7.9530% | 3,156 |
| Core capital (leverage) ratio | 7.7757% | 4,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6724% | 758 |
| Memoranda: | ||
| Average total assets | $60,811,667 | 4,408 |
| Average earning assets | $57,441,000 | 4,382 |
| Average equity | $5,229,667 | 4,496 |
| Average total loans | $21,384,000 | 4,474 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2103% | 4,524 |
| Cost of funding earning assets | 0.1629% | 3,328 |
| Net interest margin | 2.0474% | 4,483 |
| Noninterest income to average assets | 0.0732% | 4,599 |
| Noninterest expense to average assets | 1.8689% | 3,756 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1264% | 4,436 |
| Return on assets (ROA) | 0.1862% | 4,318 |
| Pretax return on assets | 0.1862% | 4,338 |
| Return on Equity (ROE) | 2.0845% | 4,247 |
| Retained earnings to average equity (ytd only) | 0.4467% | 3,928 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6667% | 397 |
| Assets per employee ($millions) | 7.2390% | 1,827 |
| Cash dividends to net income (ytd only)* | 78.5714% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6226% | 252 |
| 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 | 33.9809% | 4,310 |
| Net loans and leases to deposits | 37.3196% | 4,342 |
| Net loans and leases to core deposits | 38.2087% | 4,368 |
| Total domestic deposits to total assets | 91.0537% | 1,006 |
| Equity capital to assets | 8.8755% | 2,818 |
| Core capital (leverage) ratio | 7.4121% | 4,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8757% | 656 |
| Memoranda: | ||
| Average total assets | $60,141,000 | 4,434 |
| Average earning assets | $56,463,000 | 4,418 |
| Average equity | $5,373,000 | 4,530 |
| Average total loans | $21,029,000 | 4,500 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8240% | 4,174 |
| Cost of funding earning assets | 0.1950% | 3,523 |
| Net interest margin | 2.6290% | 4,001 |
| Noninterest income to average assets | 0.0635% | 4,696 |
| Noninterest expense to average assets | 1.8697% | 3,999 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5309% | 4,018 |
| Return on assets (ROA) | 0.5660% | 3,990 |
| Pretax return on assets | 0.6878% | 3,953 |
| Return on Equity (ROE) | 5.8351% | 3,811 |
| Retained earnings to average equity (ytd only) | 3.1121% | 3,581 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3520% | 1,267 |
| Assets per employee ($millions) | 6.9300% | 1,970 |
| Cash dividends to net income (ytd only)* | 46.6667% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4257% | 309 |
| Loan loss allowance to noncurrent loans | 186.6197% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4553% | 1,451 |
| Noncurrent loans to loans | 1.2998% | 734 |
| Net loans and leases to total assets | 34.1815% | 4,364 |
| Net loans and leases to deposits | 37.6794% | 4,420 |
| Net loans and leases to core deposits | 38.5132% | 4,439 |
| Total domestic deposits to total assets | 90.7167% | 618 |
| Equity capital to assets | 8.9883% | 3,628 |
| Core capital (leverage) ratio | 7.7631% | 4,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4372% | 830 |
| Memoranda: | ||
| Average total assets | $58,299,200 | 4,475 |
| Average earning assets | $54,355,800 | 4,460 |
| Average equity | $5,655,400 | 4,565 |
| Average total loans | $21,797,000 | 4,537 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0290% | 3,947 |
| Cost of funding earning assets | 0.2053% | 3,555 |
| Net interest margin | 2.8237% | 3,726 |
| Noninterest income to average assets | 0.0652% | 4,768 |
| Noninterest expense to average assets | 1.8831% | 3,984 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7615% | 3,622 |
| Return on assets (ROA) | 0.8030% | 3,589 |
| Pretax return on assets | 0.8519% | 3,791 |
| Return on Equity (ROE) | 8.1159% | 3,366 |
| Retained earnings to average equity (ytd only) | 5.5282% | 3,031 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9827% | 1,600 |
| Assets per employee ($millions) | 8.7266% | 981 |
| Cash dividends to net income (ytd only)* | 31.8841% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5721% | 259 |
| 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 | 32.8651% | 4,513 |
| Net loans and leases to deposits | 36.4098% | 4,565 |
| Net loans and leases to core deposits | 37.2350% | 4,589 |
| Total domestic deposits to total assets | 90.2645% | 651 |
| Equity capital to assets | 9.3704% | 3,491 |
| Core capital (leverage) ratio | 8.2372% | 4,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1100% | 798 |
| Memoranda: | ||
| Average total assets | $57,281,500 | 4,542 |
| Average earning assets | $53,262,000 | 4,532 |
| Average equity | $5,667,750 | 4,633 |
| Average total loans | $21,784,000 | 4,600 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3908% | 3,204 |
| Cost of funding earning assets | 0.2230% | 3,530 |
| Net interest margin | 3.1678% | 2,856 |
| Noninterest income to average assets | 0.0678% | 4,792 |
| Noninterest expense to average assets | 1.9210% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0419% | 2,750 |
| Return on assets (ROA) | 1.1104% | 2,566 |
| Pretax return on assets | 1.1604% | 3,025 |
| Return on Equity (ROE) | 11.0108% | 2,419 |
| Retained earnings to average equity (ytd only) | 8.6741% | 1,825 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8197% | 2,455 |
| Assets per employee ($millions) | 7.0345% | 1,778 |
| Cash dividends to net income (ytd only)* | 21.2219% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3602% | 327 |
| 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 | 38.9615% | 4,332 |
| Net loans and leases to deposits | 43.5576% | 4,400 |
| Net loans and leases to core deposits | 44.6413% | 4,441 |
| Total domestic deposits to total assets | 89.4484% | 1,058 |
| Equity capital to assets | 10.2015% | 2,671 |
| Core capital (leverage) ratio | 8.5520% | 3,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3817% | 656 |
| Memoranda: | ||
| Average total assets | $56,013,333 | 4,587 |
| Average earning assets | $52,022,667 | 4,573 |
| Average equity | $5,649,000 | 4,661 |
| Average total loans | $22,176,667 | 4,625 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6753% | 2,422 |
| Cost of funding earning assets | 0.2466% | 3,506 |
| Net interest margin | 3.4288% | 2,026 |
| Noninterest income to average assets | 0.0787% | 4,765 |
| Noninterest expense to average assets | 2.0257% | 3,641 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1894% | 2,189 |
| Return on assets (ROA) | 1.2168% | 2,169 |
| Pretax return on assets | 1.2670% | 2,662 |
| Return on Equity (ROE) | 12.1364% | 1,968 |
| Retained earnings to average equity (ytd only) | 10.5658% | 1,500 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0614% | 2,747 |
| Assets per employee ($millions) | 7.0591% | 1,761 |
| Cash dividends to net income (ytd only)* | 12.9412% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4735% | 270 |
| 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 | 37.0035% | 4,458 |
| Net loans and leases to deposits | 41.2699% | 4,525 |
| Net loans and leases to core deposits | 42.2905% | 4,556 |
| Total domestic deposits to total assets | 89.6623% | 989 |
| Equity capital to assets | 9.9977% | 2,710 |
| Core capital (leverage) ratio | 8.0578% | 4,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2586% | 651 |
| Memoranda: | ||
| Average total assets | $55,882,000 | 4,609 |
| Average earning assets | $51,913,500 | 4,591 |
| Average equity | $5,603,000 | 4,682 |
| Average total loans | $22,037,000 | 4,655 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4294% | 4,155 |
| Cost of funding earning assets | 0.3808% | 3,702 |
| Net interest margin | 3.0486% | 3,758 |
| Noninterest income to average assets | 0.0732% | 4,812 |
| Noninterest expense to average assets | 2.3485% | 3,278 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4692% | 4,098 |
| Return on assets (ROA) | 0.5560% | 3,988 |
| Pretax return on assets | 0.6450% | 3,986 |
| Return on Equity (ROE) | 5.0841% | 3,882 |
| Retained earnings to average equity (ytd only) | 3.0939% | 3,300 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1902% | 800 |
| Assets per employee ($millions) | 6.1434% | 2,219 |
| Cash dividends to net income (ytd only)* | 39.1459% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3403% | 322 |
| 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 | 40.0011% | 4,440 |
| Net loans and leases to deposits | 44.6555% | 4,505 |
| Net loans and leases to core deposits | 45.7814% | 4,548 |
| Total domestic deposits to total assets | 89.5770% | 741 |
| Equity capital to assets | 10.0559% | 3,081 |
| Core capital (leverage) ratio | 7.8547% | 4,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2431% | 869 |
| Memoranda: | ||
| Average total assets | $50,542,800 | 4,647 |
| Average earning assets | $46,742,400 | 4,639 |
| Average equity | $5,527,000 | 4,694 |
| Average total loans | $22,255,200 | 4,674 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6343% | 3,942 |
| Cost of funding earning assets | 0.4051% | 3,782 |
| Net interest margin | 3.2292% | 3,394 |
| Noninterest income to average assets | 0.0756% | 4,834 |
| Noninterest expense to average assets | 2.4124% | 3,094 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6564% | 3,604 |
| Return on assets (ROA) | 0.7807% | 3,279 |
| Pretax return on assets | 0.7807% | 3,698 |
| Return on Equity (ROE) | 6.9821% | 3,208 |
| Retained earnings to average equity (ytd only) | 5.3876% | 2,383 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6092% | 975 |
| Assets per employee ($millions) | 5.8810% | 2,367 |
| Cash dividends to net income (ytd only)* | 22.8374% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3833% | 268 |
| 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 | 41.0134% | 4,533 |
| Net loans and leases to deposits | 46.1205% | 4,600 |
| Net loans and leases to core deposits | 46.8855% | 4,648 |
| Total domestic deposits to total assets | 88.9267% | 799 |
| Equity capital to assets | 10.6199% | 2,690 |
| Core capital (leverage) ratio | 8.5925% | 4,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,355,750 | 4,682 |
| Average earning assets | $45,748,750 | 4,674 |
| Average equity | $5,518,750 | 4,718 |
| Average total loans | $22,157,250 | 4,708 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8101% | 3,838 |
| Cost of funding earning assets | 0.4114% | 3,990 |
| Net interest margin | 3.3987% | 3,108 |
| Noninterest income to average assets | 0.0789% | 4,842 |
| Noninterest expense to average assets | 2.4582% | 3,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7765% | 3,128 |
| Return on assets (ROA) | 0.9717% | 2,549 |
| Pretax return on assets | 0.9717% | 3,106 |
| Return on Equity (ROE) | 8.5329% | 2,546 |
| Retained earnings to average equity (ytd only) | 8.5329% | 1,152 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9949% | 1,265 |
| Assets per employee ($millions) | 5.8050% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3588% | 268 |
| 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 | 41.9925% | 4,531 |
| Net loans and leases to deposits | 47.2854% | 4,616 |
| Net loans and leases to core deposits | 48.0813% | 4,661 |
| Total domestic deposits to total assets | 88.8066% | 821 |
| Equity capital to assets | 10.7857% | 2,499 |
| Core capital (leverage) ratio | 9.2748% | 3,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,164,667 | 4,716 |
| Average earning assets | $44,722,667 | 4,706 |
| Average equity | $5,484,667 | 4,747 |
| Average total loans | $22,130,333 | 4,731 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9559% | 3,908 |
| Cost of funding earning assets | 0.4375% | 4,209 |
| Net interest margin | 3.5184% | 2,920 |
| Noninterest income to average assets | 0.0954% | 4,842 |
| Noninterest expense to average assets | 2.7144% | 2,672 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6591% | 3,414 |
| Return on assets (ROA) | 1.0667% | 2,049 |
| Pretax return on assets | 1.0667% | 2,618 |
| Return on Equity (ROE) | 9.0951% | 2,074 |
| Retained earnings to average equity (ytd only) | 9.0951% | 952 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4627% | 1,094 |
| Assets per employee ($millions) | 4.9542% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5651% | 225 |
| 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 | 45.1512% | 4,460 |
| Net loans and leases to deposits | 51.7027% | 4,531 |
| Net loans and leases to core deposits | 52.7430% | 4,611 |
| Total domestic deposits to total assets | 87.3284% | 1,412 |
| Equity capital to assets | 12.2634% | 1,874 |
| Core capital (leverage) ratio | 9.3828% | 4,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1600% | 728 |
| Memoranda: | ||
| Average total assets | $46,124,500 | 4,766 |
| Average earning assets | $42,973,500 | 4,760 |
| Average equity | $5,409,500 | 4,793 |
| Average total loans | $21,961,000 | 4,765 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 3,903 |
| Cost of funding earning assets | 0.5157% | 4,020 |
| Net interest margin | 3.6475% | 2,973 |
| Noninterest income to average assets | 0.0958% | 4,939 |
| Noninterest expense to average assets | 2.7567% | 2,728 |
| Loan and lease loss provision to assets | 0.0223% | 3,581 |
| Net operating income to assets | 0.6467% | 4,019 |
| Return on assets (ROA) | 0.6485% | 4,090 |
| Pretax return on assets | 0.7867% | 4,000 |
| Return on Equity (ROE) | 5.6367% | 4,024 |
| Retained earnings to average equity (ytd only) | 5.6367% | 2,073 |
| Net charge-offs to loans | -0.0787% | 4,916 |
| Credit loss provision to net charge-offs | -55.5556% | 4,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3609% | 1,224 |
| Assets per employee ($millions) | 5.9576% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2786% | 295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 47.6910% | 4,443 |
| Net loans and leases to deposits | 53.9303% | 4,535 |
| Net loans and leases to core deposits | 54.9259% | 4,621 |
| Total domestic deposits to total assets | 88.4308% | 927 |
| Equity capital to assets | 11.2272% | 2,784 |
| Core capital (leverage) ratio | 9.5605% | 4,000 |
| Tier 1 risk-based capital ratio | 15.6260% | 2,535 |
| Total risk-based capital ratio | 20.3980% | 1,458 |
| Memoranda: | ||
| Average total assets | $44,871,800 | 4,832 |
| Average earning assets | $42,659,400 | 4,805 |
| Average equity | $5,162,600 | 4,863 |
| Average total loans | $22,875,000 | 4,810 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2302% | 3,856 |
| Cost of funding earning assets | 0.5474% | 3,945 |
| Net interest margin | 3.6828% | 2,982 |
| Noninterest income to average assets | 0.0966% | 5,001 |
| Noninterest expense to average assets | 2.8915% | 2,289 |
| Loan and lease loss provision to assets | 0.0302% | 3,295 |
| Net operating income to assets | 0.6882% | 4,049 |
| Return on assets (ROA) | 0.6912% | 4,100 |
| Pretax return on assets | 0.6912% | 4,365 |
| Return on Equity (ROE) | 5.9687% | 4,054 |
| Retained earnings to average equity (ytd only) | 5.9687% | 2,385 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1003% | 915 |
| Assets per employee ($millions) | 4.7549% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3228% | 276 |
| 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 | 50.3108% | 4,408 |
| Net loans and leases to deposits | 57.5684% | 4,489 |
| Net loans and leases to core deposits | 58.7689% | 4,572 |
| Total domestic deposits to total assets | 87.3931% | 1,316 |
| Equity capital to assets | 12.3499% | 2,007 |
| Core capital (leverage) ratio | 9.8285% | 3,813 |
| Tier 1 risk-based capital ratio | 16.0746% | 2,398 |
| Total risk-based capital ratio | 21.0011% | 1,374 |
| Memoranda: | ||
| Average total assets | $44,174,500 | 4,913 |
| Average earning assets | $42,140,500 | 4,883 |
| Average equity | $5,115,500 | 4,935 |
| Average total loans | $22,778,750 | 4,884 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1558% | 4,034 |
| Cost of funding earning assets | 0.5476% | 3,887 |
| Net interest margin | 3.6083% | 3,230 |
| Noninterest income to average assets | 0.0941% | 5,063 |
| Noninterest expense to average assets | 3.0514% | 1,859 |
| Loan and lease loss provision to assets | 0.0448% | 2,928 |
| Net operating income to assets | 0.4526% | 4,638 |
| Return on assets (ROA) | 0.4570% | 4,651 |
| Pretax return on assets | 0.4570% | 4,756 |
| Return on Equity (ROE) | 4.0324% | 4,577 |
| Retained earnings to average equity (ytd only) | 4.0324% | 3,233 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9848% | 549 |
| Assets per employee ($millions) | 4.9177% | 2,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1209% | 382 |
| 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 | 53.3880% | 4,258 |
| Net loans and leases to deposits | 63.5137% | 4,250 |
| Net loans and leases to core deposits | 64.8454% | 4,369 |
| Total domestic deposits to total assets | 84.0575% | 2,835 |
| Equity capital to assets | 11.6586% | 2,484 |
| Core capital (leverage) ratio | 9.3523% | 4,307 |
| Tier 1 risk-based capital ratio | 14.6505% | 2,996 |
| Total risk-based capital ratio | 19.3518% | 1,735 |
| Memoranda: | ||
| Average total assets | $44,634,670 | 4,945 |
| Average earning assets | $42,735,330 | 4,915 |
| Average equity | $5,059,000 | 4,979 |
| Average total loans | $23,024,330 | 4,917 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1078% | 4,103 |
| Cost of funding earning assets | 0.5240% | 3,950 |
| Net interest margin | 3.5838% | 3,310 |
| Noninterest income to average assets | 0.0892% | 5,116 |
| Noninterest expense to average assets | 3.4893% | 979 |
| Loan and lease loss provision to assets | 0.0892% | 1,926 |
| Net operating income to assets | -0.0714% | 5,170 |
| Return on assets (ROA) | -0.0714% | 5,170 |
| Pretax return on assets | -0.0714% | 5,165 |
| Return on Equity (ROE) | -0.6389% | 5,172 |
| Retained earnings to average equity (ytd only) | -0.6389% | 4,612 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4911% | 183 |
| Assets per employee ($millions) | 4.3681% | 3,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3512% | 283 |
| Loan loss allowance to noncurrent loans | 984.6154% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 4,218 |
| Noncurrent loans to loans | 0.2388% | 3,719 |
| Net loans and leases to total assets | 48.6802% | 4,546 |
| Net loans and leases to deposits | 55.1524% | 4,638 |
| Net loans and leases to core deposits | 56.2674% | 4,703 |
| Total domestic deposits to total assets | 88.2649% | 1,211 |
| Equity capital to assets | 11.4970% | 2,401 |
| Core capital (leverage) ratio | 8.9967% | 4,658 |
| Tier 1 risk-based capital ratio | 15.0089% | 2,886 |
| Total risk-based capital ratio | 19.8894% | 1,587 |
| Memoranda: | ||
| Average total assets | $44,822,500 | 4,995 |
| Average earning assets | $42,747,500 | 4,964 |
| Average equity | $5,008,500 | 5,024 |
| Average total loans | $22,466,000 | 4,982 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8658% | 4,352 |
| Cost of funding earning assets | 0.4531% | 3,661 |
| Net interest margin | 3.4127% | 3,965 |
| Noninterest income to average assets | 0.0773% | 5,211 |
| Noninterest expense to average assets | 3.0743% | 1,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3045% | 5,001 |
| Return on assets (ROA) | 0.3045% | 4,994 |
| Pretax return on assets | 0.2545% | 5,082 |
| Return on Equity (ROE) | 2.7289% | 4,955 |
| Retained earnings to average equity (ytd only) | 0.9368% | 4,719 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3549% | 272 |
| Assets per employee ($millions) | 4.5964% | 3,024 |
| Cash dividends to net income (ytd only)* | 65.6716% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1679% | 353 |
| Loan loss allowance to noncurrent loans | 965.3846% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 4,263 |
| Noncurrent loans to loans | 0.2246% | 3,775 |
| Net loans and leases to total assets | 49.2864% | 4,569 |
| Net loans and leases to deposits | 55.3942% | 4,690 |
| Net loans and leases to core deposits | 56.4445% | 4,766 |
| Total domestic deposits to total assets | 88.9740% | 871 |
| Equity capital to assets | 10.8672% | 2,829 |
| Core capital (leverage) ratio | 9.0726% | 4,581 |
| Tier 1 risk-based capital ratio | 14.4174% | 3,104 |
| Total risk-based capital ratio | 19.1496% | 1,744 |
| Memoranda: | ||
| Average total assets | $44,010,600 | 5,050 |
| Average earning assets | $41,931,800 | 5,017 |
| Average equity | $4,910,400 | 5,061 |
| Average total loans | $21,875,600 | 5,032 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8318% | 4,367 |
| Cost of funding earning assets | 0.4340% | 3,638 |
| Net interest margin | 3.3978% | 4,014 |
| Noninterest income to average assets | 0.0705% | 5,294 |
| Noninterest expense to average assets | 3.1860% | 1,558 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1225% | 5,242 |
| Return on assets (ROA) | 0.1225% | 5,235 |
| Pretax return on assets | 0.1225% | 5,241 |
| Return on Equity (ROE) | 1.0908% | 5,225 |
| Retained earnings to average equity (ytd only) | -0.7091% | 5,113 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2963% | 197 |
| Assets per employee ($millions) | 4.8659% | 2,640 |
| Cash dividends to net income (ytd only)* | 165.0103% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3845% | 277 |
| Loan loss allowance to noncurrent loans | 965.3846% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 4,382 |
| Noncurrent loans to loans | 0.2470% | 3,805 |
| Net loans and leases to total assets | 46.9276% | 4,756 |
| Net loans and leases to deposits | 52.9924% | 4,856 |
| Net loans and leases to core deposits | 54.0546% | 4,909 |
| Total domestic deposits to total assets | 88.5552% | 1,023 |
| Equity capital to assets | 11.1890% | 2,489 |
| Core capital (leverage) ratio | 9.1480% | 4,567 |
| Tier 1 risk-based capital ratio | 15.5151% | 2,647 |
| Total risk-based capital ratio | 20.5802% | 1,435 |
| Memoranda: | ||
| Average total assets | $43,522,250 | 5,116 |
| Average earning assets | $41,476,250 | 5,085 |
| Average equity | $4,889,250 | 5,126 |
| Average total loans | $21,555,500 | 5,102 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7898% | 4,370 |
| Cost of funding earning assets | 0.3964% | 3,748 |
| Net interest margin | 3.3935% | 3,970 |
| Noninterest income to average assets | 0.0553% | 5,391 |
| Noninterest expense to average assets | 3.4214% | 1,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.1335% | 5,386 |
| Return on assets (ROA) | -0.1335% | 5,382 |
| Pretax return on assets | -0.1335% | 5,380 |
| Return on Equity (ROE) | -1.1871% | 5,383 |
| Retained earnings to average equity (ytd only) | -2.9883% | 5,209 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0616% | 129 |
| Assets per employee ($millions) | 4.9157% | 2,531 |
| Cash dividends to net income (ytd only)* | -151.7241% | 5,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3651% | 288 |
| Loan loss allowance to noncurrent loans | 947.1698% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 4,395 |
| Noncurrent loans to loans | 0.2497% | 3,803 |
| Net loans and leases to total assets | 46.8412% | 4,776 |
| Net loans and leases to deposits | 52.7585% | 4,887 |
| Net loans and leases to core deposits | 53.8022% | 4,944 |
| Total domestic deposits to total assets | 88.7842% | 1,023 |
| Equity capital to assets | 11.0147% | 2,627 |
| Core capital (leverage) ratio | 8.9082% | 4,775 |
| Tier 1 risk-based capital ratio | 15.1955% | 2,781 |
| Total risk-based capital ratio | 20.2272% | 1,517 |
| Memoranda: | ||
| Average total assets | $43,432,000 | 5,176 |
| Average earning assets | $41,373,670 | 5,144 |
| Average equity | $4,885,670 | 5,178 |
| Average total loans | $21,723,000 | 5,154 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7534% | 4,346 |
| Cost of funding earning assets | 0.3705% | 3,827 |
| Net interest margin | 3.3829% | 3,940 |
| Noninterest income to average assets | 0.0930% | 5,353 |
| Noninterest expense to average assets | 4.2484% | 379 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.9296% | 5,529 |
| Return on assets (ROA) | -0.9296% | 5,528 |
| Pretax return on assets | -0.9296% | 5,527 |
| Return on Equity (ROE) | -8.1766% | 5,524 |
| Retained earnings to average equity (ytd only) | -9.9755% | 5,372 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.0112% | 49 |
| Assets per employee ($millions) | 4.7227% | 2,828 |
| Cash dividends to net income (ytd only)* | -22.0000% | 5,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3546% | 302 |
| Loan loss allowance to noncurrent loans | 965.3846% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.2165% | 4,017 |
| Noncurrent loans to loans | 0.2439% | 3,895 |
| Net loans and leases to total assets | 48.9789% | 4,633 |
| Net loans and leases to deposits | 55.3906% | 4,726 |
| Net loans and leases to core deposits | 56.5369% | 4,821 |
| Total domestic deposits to total assets | 88.4246% | 1,395 |
| Equity capital to assets | 11.3425% | 2,263 |
| Core capital (leverage) ratio | 8.8383% | 4,859 |
| Tier 1 risk-based capital ratio | 15.1107% | 2,823 |
| Total risk-based capital ratio | 20.1697% | 1,536 |
| Memoranda: | ||
| Average total assets | $43,027,500 | 5,239 |
| Average earning assets | $41,030,000 | 5,211 |
| Average equity | $4,892,000 | 5,235 |
| Average total loans | $21,972,000 | 5,210 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9724% | 3,503 |
| Cost of funding earning assets | 0.3708% | 3,508 |
| Net interest margin | 3.6015% | 3,162 |
| Noninterest income to average assets | 0.1057% | 5,390 |
| Noninterest expense to average assets | 2.8570% | 2,587 |
| Loan and lease loss provision to assets | 0.0900% | 2,391 |
| Net operating income to assets | 0.5646% | 4,169 |
| Return on assets (ROA) | 0.5646% | 4,197 |
| Pretax return on assets | 0.5017% | 4,929 |
| Return on Equity (ROE) | 5.1621% | 4,099 |
| Retained earnings to average equity (ytd only) | 3.3523% | 3,288 |
| Net charge-offs to loans | 0.2243% | 1,156 |
| Credit loss provision to net charge-offs | 76.9231% | 2,990 |
| Earnings coverage of net charge-offs (x) | 5.0577% | 3,381 |
| Efficiency ratio | 82.8441% | 868 |
| Assets per employee ($millions) | 4.3551% | 3,400 |
| Cash dividends to net income (ytd only)* | 35.0598% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2189% | 357 |
| Loan loss allowance to noncurrent loans | 965.3846% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 4,078 |
| Noncurrent loans to loans | 0.2298% | 3,986 |
| Net loans and leases to total assets | 50.7956% | 4,602 |
| Net loans and leases to deposits | 57.4612% | 4,724 |
| Net loans and leases to core deposits | 58.6169% | 4,822 |
| Total domestic deposits to total assets | 88.3998% | 1,296 |
| Equity capital to assets | 11.3958% | 2,287 |
| Core capital (leverage) ratio | 8.9113% | 4,745 |
| Tier 1 risk-based capital ratio | 14.7394% | 2,970 |
| Total risk-based capital ratio | 19.5900% | 1,654 |
| Memoranda: | ||
| Average total assets | $44,452,600 | 5,264 |
| Average earning assets | $41,260,200 | 5,244 |
| Average equity | $4,862,400 | 5,294 |
| Average total loans | $23,187,000 | 5,217 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9783% | 3,428 |
| Cost of funding earning assets | 0.3717% | 3,450 |
| Net interest margin | 3.6066% | 3,126 |
| Noninterest income to average assets | 0.1045% | 5,464 |
| Noninterest expense to average assets | 2.9066% | 2,379 |
| Loan and lease loss provision to assets | 0.0746% | 2,579 |
| Net operating income to assets | 0.4536% | 4,873 |
| Return on assets (ROA) | 0.4536% | 4,899 |
| Pretax return on assets | 0.4536% | 5,109 |
| Return on Equity (ROE) | 4.1896% | 4,798 |
| Retained earnings to average equity (ytd only) | 2.3704% | 4,464 |
| Net charge-offs to loans | 0.2744% | 785 |
| Credit loss provision to net charge-offs | 52.0833% | 2,889 |
| Earnings coverage of net charge-offs (x) | 3.6873% | 3,309 |
| Efficiency ratio | 84.6221% | 712 |
| Assets per employee ($millions) | 4.3672% | 3,360 |
| Cash dividends to net income (ytd only)* | 43.4225% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1216% | 465 |
| Loan loss allowance to noncurrent loans | 506.1856% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2221% | 4,177 |
| Noncurrent loans to loans | 0.4191% | 3,443 |
| Net loans and leases to total assets | 51.8685% | 4,577 |
| Net loans and leases to deposits | 58.6748% | 4,711 |
| Net loans and leases to core deposits | 59.8515% | 4,824 |
| Total domestic deposits to total assets | 88.3999% | 1,172 |
| Equity capital to assets | 11.2589% | 2,611 |
| Core capital (leverage) ratio | 8.9358% | 4,818 |
| Tier 1 risk-based capital ratio | 14.2795% | 3,314 |
| Total risk-based capital ratio | 19.0854% | 1,848 |
| Memoranda: | ||
| Average total assets | $44,678,000 | 5,314 |
| Average earning assets | $41,256,500 | 5,303 |
| Average equity | $4,837,250 | 5,359 |
| Average total loans | $23,327,750 | 5,267 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9260% | 3,466 |
| Cost of funding earning assets | 0.3709% | 3,374 |
| Net interest margin | 3.5551% | 3,201 |
| Noninterest income to average assets | 0.1022% | 5,508 |
| Noninterest expense to average assets | 3.1146% | 1,803 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2666% | 5,295 |
| Return on assets (ROA) | 0.2666% | 5,315 |
| Pretax return on assets | 0.2666% | 5,372 |
| Return on Equity (ROE) | 2.4945% | 5,238 |
| Retained earnings to average equity (ytd only) | 0.6652% | 4,933 |
| Net charge-offs to loans | 0.4019% | 510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1.2766% | 3,299 |
| Efficiency ratio | 92.1156% | 361 |
| Assets per employee ($millions) | 4.5145% | 3,081 |
| Cash dividends to net income (ytd only)* | 73.3333% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9859% | 618 |
| Loan loss allowance to noncurrent loans | 898.0769% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 4,741 |
| Noncurrent loans to loans | 0.2211% | 4,234 |
| Net loans and leases to total assets | 51.0555% | 4,640 |
| Net loans and leases to deposits | 57.4001% | 4,774 |
| Net loans and leases to core deposits | 58.5059% | 4,899 |
| Total domestic deposits to total assets | 88.9467% | 985 |
| Equity capital to assets | 10.7520% | 3,075 |
| Core capital (leverage) ratio | 8.5805% | 5,163 |
| Tier 1 risk-based capital ratio | 13.5432% | 3,680 |
| Total risk-based capital ratio | 18.2249% | 2,116 |
| Memoranda: | ||
| Average total assets | $45,013,330 | 5,344 |
| Average earning assets | $41,518,330 | 5,337 |
| Average equity | $4,810,670 | 5,400 |
| Average total loans | $23,389,330 | 5,304 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8661% | 3,525 |
| Cost of funding earning assets | 0.3655% | 3,362 |
| Net interest margin | 3.5006% | 3,272 |
| Noninterest income to average assets | 0.0979% | 5,599 |
| Noninterest expense to average assets | 3.8445% | 647 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.5073% | 5,739 |
| Return on assets (ROA) | -0.5073% | 5,736 |
| Pretax return on assets | -0.5073% | 5,728 |
| Return on Equity (ROE) | -4.7609% | 5,735 |
| Retained earnings to average equity (ytd only) | -6.5985% | 5,471 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.2000% | 87 |
| Assets per employee ($millions) | 4.6128% | 2,992 |
| Cash dividends to net income (ytd only)* | -38.5965% | 5,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2532% | 439 |
| Loan loss allowance to noncurrent loans | 458.9286% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 4,253 |
| Noncurrent loans to loans | 0.4910% | 3,331 |
| Net loans and leases to total assets | 48.3394% | 4,796 |
| Net loans and leases to deposits | 54.0794% | 4,930 |
| Net loans and leases to core deposits | 55.0949% | 5,020 |
| Total domestic deposits to total assets | 89.3861% | 953 |
| Equity capital to assets | 10.3018% | 3,404 |
| Core capital (leverage) ratio | 8.3550% | 5,338 |
| Tier 1 risk-based capital ratio | 13.3893% | 3,841 |
| Total risk-based capital ratio | 18.1204% | 2,191 |
| Memoranda: | ||
| Average total assets | $44,947,500 | 5,408 |
| Average earning assets | $41,592,500 | 5,393 |
| Average equity | $4,789,000 | 5,460 |
| Average total loans | $23,326,000 | 5,360 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1382% | 2,704 |
| Cost of funding earning assets | 0.3751% | 3,265 |
| Net interest margin | 3.7631% | 2,456 |
| Noninterest income to average assets | -0.0701% | 5,884 |
| Noninterest expense to average assets | 2.7799% | 3,093 |
| Loan and lease loss provision to assets | 0.0452% | 3,479 |
| Net operating income to assets | 0.5650% | 4,367 |
| Return on assets (ROA) | 0.5650% | 4,470 |
| Pretax return on assets | 0.5515% | 4,917 |
| Return on Equity (ROE) | 5.2627% | 4,294 |
| Retained earnings to average equity (ytd only) | 3.4102% | 3,498 |
| Net charge-offs to loans | 0.0082% | 3,985 |
| Credit loss provision to net charge-offs | 1,000.0000% | 376 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 470 |
| Efficiency ratio | 82.3293% | 1,170 |
| Assets per employee ($millions) | 3.9788% | 4,002 |
| Cash dividends to net income (ytd only)* | 35.2000% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1560% | 492 |
| 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 | 53.2959% | 4,501 |
| Net loans and leases to deposits | 60.1139% | 4,660 |
| Net loans and leases to core deposits | 61.3100% | 4,791 |
| Total domestic deposits to total assets | 88.6581% | 1,291 |
| Equity capital to assets | 11.0266% | 2,613 |
| Core capital (leverage) ratio | 8.4735% | 5,286 |
| Tier 1 risk-based capital ratio | 13.4328% | 3,812 |
| Total risk-based capital ratio | 18.1027% | 2,159 |
| Memoranda: | ||
| Average total assets | $44,246,600 | 5,460 |
| Average earning assets | $40,525,200 | 5,457 |
| Average equity | $4,750,400 | 5,515 |
| Average total loans | $24,516,600 | 5,372 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1664% | 2,620 |
| Cost of funding earning assets | 0.3752% | 3,278 |
| Net interest margin | 3.7912% | 2,361 |
| Noninterest income to average assets | -0.1352% | 5,961 |
| Noninterest expense to average assets | 2.8249% | 2,919 |
| Loan and lease loss provision to assets | 0.0300% | 3,637 |
| Net operating income to assets | 0.4718% | 4,798 |
| Return on assets (ROA) | 0.4718% | 4,876 |
| Pretax return on assets | 0.4718% | 5,187 |
| Return on Equity (ROE) | 4.4242% | 4,748 |
| Retained earnings to average equity (ytd only) | 2.5643% | 4,373 |
| Net charge-offs to loans | 0.0108% | 3,553 |
| Credit loss provision to net charge-offs | 500.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 83.3933% | 754 |
| Efficiency ratio | 84.9142% | 912 |
| Assets per employee ($millions) | 4.3622% | 3,312 |
| Cash dividends to net income (ytd only)* | 42.0389% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1057% | 600 |
| 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 | 53.7137% | 4,518 |
| Net loans and leases to deposits | 60.6063% | 4,710 |
| Net loans and leases to core deposits | 61.8167% | 4,843 |
| Total domestic deposits to total assets | 88.6273% | 1,088 |
| Equity capital to assets | 10.9715% | 3,041 |
| Core capital (leverage) ratio | 8.7375% | 5,117 |
| Tier 1 risk-based capital ratio | 13.1766% | 4,047 |
| Total risk-based capital ratio | 17.8448% | 2,332 |
| Memoranda: | ||
| Average total assets | $44,366,500 | 5,507 |
| Average earning assets | $40,514,000 | 5,511 |
| Average equity | $4,731,500 | 5,576 |
| Average total loans | $24,685,750 | 5,416 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1342% | 2,736 |
| Cost of funding earning assets | 0.3718% | 3,344 |
| Net interest margin | 3.7624% | 2,467 |
| Noninterest income to average assets | -0.1883% | 6,038 |
| Noninterest expense to average assets | 2.9228% | 2,604 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3362% | 5,221 |
| Return on assets (ROA) | 0.3362% | 5,304 |
| Pretax return on assets | 0.3362% | 5,442 |
| Return on Equity (ROE) | 3.1825% | 5,189 |
| Retained earnings to average equity (ytd only) | 1.3154% | 4,858 |
| Net charge-offs to loans | 0.0160% | 3,197 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 37.5000% | 1,201 |
| Efficiency ratio | 89.6836% | 618 |
| Assets per employee ($millions) | 4.4560% | 3,111 |
| Cash dividends to net income (ytd only)* | 58.6667% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0071% | 724 |
| Loan loss allowance to noncurrent loans | 441.0714% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2513% | 4,489 |
| Noncurrent loans to loans | 0.4550% | 3,742 |
| Net loans and leases to total assets | 54.1270% | 4,499 |
| Net loans and leases to deposits | 60.8114% | 4,746 |
| Net loans and leases to core deposits | 61.9946% | 4,886 |
| Total domestic deposits to total assets | 89.0081% | 918 |
| Equity capital to assets | 10.6239% | 3,505 |
| Core capital (leverage) ratio | 8.6286% | 5,236 |
| Tier 1 risk-based capital ratio | 12.7824% | 4,324 |
| Total risk-based capital ratio | 17.4015% | 2,515 |
| Memoranda: | ||
| Average total assets | $44,614,670 | 5,570 |
| Average earning assets | $40,878,670 | 5,566 |
| Average equity | $4,713,330 | 5,637 |
| Average total loans | $24,936,000 | 5,464 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1613% | 2,613 |
| Cost of funding earning assets | 0.3712% | 3,381 |
| Net interest margin | 3.7901% | 2,324 |
| Noninterest income to average assets | 0.1075% | 5,800 |
| Noninterest expense to average assets | 3.5124% | 1,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0717% | 5,721 |
| Return on assets (ROA) | 0.0717% | 5,759 |
| Pretax return on assets | 0.0717% | 5,763 |
| Return on Equity (ROE) | 0.6804% | 5,747 |
| Retained earnings to average equity (ytd only) | -1.1907% | 5,302 |
| Net charge-offs to loans | 0.0319% | 2,316 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,475 |
| Efficiency ratio | 98.0000% | 341 |
| Assets per employee ($millions) | 4.3476% | 3,331 |
| Cash dividends to net income (ytd only)* | 275.0000% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0459% | 763 |
| Loan loss allowance to noncurrent loans | 441.0714% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 4,529 |
| Noncurrent loans to loans | 0.4638% | 3,783 |
| Net loans and leases to total assets | 54.4024% | 4,413 |
| Net loans and leases to deposits | 61.2651% | 4,632 |
| Net loans and leases to core deposits | 62.4904% | 4,786 |
| Total domestic deposits to total assets | 88.7984% | 1,208 |
| Equity capital to assets | 10.7945% | 3,167 |
| Core capital (leverage) ratio | 8.1869% | 5,659 |
| Tier 1 risk-based capital ratio | 11.8090% | 5,043 |
| Total risk-based capital ratio | 16.2093% | 3,114 |
| Memoranda: | ||
| Average total assets | $44,642,000 | 5,625 |
| Average earning assets | $40,948,500 | 5,616 |
| Average equity | $4,703,000 | 5,680 |
| Average total loans | $25,097,500 | 5,508 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 3,277 |
| Cost of funding earning assets | 0.3607% | 3,574 |
| Net interest margin | 3.6496% | 2,940 |
| Noninterest income to average assets | 0.1152% | 5,824 |
| Noninterest expense to average assets | 2.6752% | 3,669 |
| Loan and lease loss provision to assets | 0.1772% | 1,281 |
| Net operating income to assets | 1.0807% | 2,002 |
| Return on assets (ROA) | 1.0807% | 2,072 |
| Pretax return on assets | 0.6910% | 4,552 |
| Return on Equity (ROE) | 10.9890% | 1,618 |
| Retained earnings to average equity (ytd only) | 9.0074% | 650 |
| Net charge-offs to loans | 0.0504% | 3,192 |
| Credit loss provision to net charge-offs | 666.6667% | 501 |
| Earnings coverage of net charge-offs (x) | 32.6667% | 1,371 |
| Efficiency ratio | 75.5000% | 2,353 |
| Assets per employee ($millions) | 4.5808% | 2,913 |
| Cash dividends to net income (ytd only)* | 18.0328% | 3,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9041% | 950 |
| Loan loss allowance to noncurrent loans | 12,400.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 5,674 |
| Noncurrent loans to loans | 0.0154% | 5,467 |
| Net loans and leases to total assets | 55.7828% | 4,311 |
| Net loans and leases to deposits | 62.4432% | 4,599 |
| Net loans and leases to core deposits | 63.6169% | 4,760 |
| Total domestic deposits to total assets | 89.3337% | 941 |
| Equity capital to assets | 10.2886% | 3,636 |
| Core capital (leverage) ratio | 8.1492% | 5,737 |
| Tier 1 risk-based capital ratio | 11.2011% | 5,422 |
| Total risk-based capital ratio | 15.4258% | 3,532 |
| Memoranda: | ||
| Average total assets | $45,154,800 | 5,654 |
| Average earning assets | $42,415,200 | 5,627 |
| Average equity | $4,440,800 | 5,774 |
| Average total loans | $23,828,800 | 5,593 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9764% | 3,430 |
| Cost of funding earning assets | 0.3575% | 3,673 |
| Net interest margin | 3.6189% | 3,086 |
| Noninterest income to average assets | 0.1334% | 5,819 |
| Noninterest expense to average assets | 2.7056% | 3,545 |
| Loan and lease loss provision to assets | 0.2074% | 950 |
| Net operating income to assets | 0.6401% | 4,179 |
| Return on assets (ROA) | 0.6401% | 4,296 |
| Pretax return on assets | 0.6401% | 4,864 |
| Return on Equity (ROE) | 6.5860% | 3,846 |
| Retained earnings to average equity (ytd only) | 4.5738% | 3,221 |
| Net charge-offs to loans | 0.0687% | 2,581 |
| Credit loss provision to net charge-offs | 583.3333% | 583 |
| Earnings coverage of net charge-offs (x) | 23.8325% | 1,717 |
| Efficiency ratio | 76.1468% | 2,225 |
| Assets per employee ($millions) | 4.3752% | 3,204 |
| Cash dividends to net income (ytd only)* | 30.5566% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0438% | 855 |
| Loan loss allowance to noncurrent loans | 1,388.5714% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 5,435 |
| Noncurrent loans to loans | 0.1472% | 5,053 |
| Net loans and leases to total assets | 53.2387% | 4,646 |
| Net loans and leases to deposits | 60.7966% | 4,797 |
| Net loans and leases to core deposits | 62.0187% | 4,939 |
| Total domestic deposits to total assets | 87.5686% | 1,767 |
| Equity capital to assets | 10.2212% | 3,905 |
| Core capital (leverage) ratio | 7.6527% | 6,019 |
| Tier 1 risk-based capital ratio | 11.2996% | 5,488 |
| Total risk-based capital ratio | 15.7701% | 3,479 |
| Memoranda: | ||
| Average total assets | $44,991,500 | 5,732 |
| Average earning assets | $42,516,000 | 5,693 |
| Average equity | $4,372,750 | 5,864 |
| Average total loans | $23,273,750 | 5,682 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8926% | 3,722 |
| Cost of funding earning assets | 0.3501% | 3,805 |
| Net interest margin | 3.5425% | 3,325 |
| Noninterest income to average assets | 0.1057% | 6,007 |
| Noninterest expense to average assets | 2.8675% | 3,009 |
| Loan and lease loss provision to assets | 0.2643% | 633 |
| Net operating income to assets | 0.3171% | 5,390 |
| Return on assets (ROA) | 0.3171% | 5,483 |
| Pretax return on assets | 0.3171% | 5,634 |
| Return on Equity (ROE) | 3.3182% | 5,302 |
| Retained earnings to average equity (ytd only) | 1.2904% | 5,034 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1418% | 1,348 |
| Assets per employee ($millions) | 4.5432% | 2,916 |
| Cash dividends to net income (ytd only)* | 61.1111% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0541% | 908 |
| Loan loss allowance to noncurrent loans | 1,525.0000% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 4,300 |
| Noncurrent loans to loans | 0.1347% | 5,207 |
| Net loans and leases to total assets | 51.2172% | 4,825 |
| Net loans and leases to deposits | 59.5969% | 4,886 |
| Net loans and leases to core deposits | 60.7720% | 5,026 |
| Total domestic deposits to total assets | 85.9394% | 2,716 |
| Equity capital to assets | 9.5836% | 4,555 |
| Core capital (leverage) ratio | 7.3704% | 6,127 |
| Tier 1 risk-based capital ratio | 10.6569% | 5,859 |
| Total risk-based capital ratio | 15.0575% | 3,965 |
| Memoranda: | ||
| Average total assets | $45,404,670 | 5,782 |
| Average earning assets | $42,850,670 | 5,743 |
| Average equity | $4,339,670 | 5,933 |
| Average total loans | $23,105,330 | 5,742 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8635% | 3,770 |
| Cost of funding earning assets | 0.3461% | 3,907 |
| Net interest margin | 3.5173% | 3,357 |
| Noninterest income to average assets | 0.1057% | 6,054 |
| Noninterest expense to average assets | 3.3575% | 1,584 |
| Loan and lease loss provision to assets | 0.0881% | 2,221 |
| Net operating income to assets | -0.0264% | 6,040 |
| Return on assets (ROA) | -0.0264% | 6,074 |
| Pretax return on assets | -0.0264% | 6,068 |
| Return on Equity (ROE) | -0.2770% | 6,080 |
| Retained earnings to average equity (ytd only) | -2.3081% | 5,722 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1959% | 427 |
| Assets per employee ($millions) | 4.9586% | 2,408 |
| Cash dividends to net income (ytd only)* | -733.3333% | 6,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9886% | 1,104 |
| Loan loss allowance to noncurrent loans | 554.4304% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.5131% | 3,968 |
| Noncurrent loans to loans | 0.3587% | 4,521 |
| Net loans and leases to total assets | 48.3743% | 4,994 |
| Net loans and leases to deposits | 54.0551% | 5,187 |
| Net loans and leases to core deposits | 55.0967% | 5,308 |
| Total domestic deposits to total assets | 89.4907% | 996 |
| Equity capital to assets | 9.6735% | 4,543 |
| Core capital (leverage) ratio | 7.1523% | 6,220 |
| Tier 1 risk-based capital ratio | 11.0793% | 5,768 |
| Total risk-based capital ratio | 15.6574% | 3,695 |
| Memoranda: | ||
| Average total assets | $45,391,000 | 5,837 |
| Average earning assets | $42,759,500 | 5,791 |
| Average equity | $4,332,500 | 5,988 |
| Average total loans | $22,779,500 | 5,797 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7324% | 4,699 |
| Cost of funding earning assets | 0.3421% | 4,343 |
| Net interest margin | 3.3903% | 4,237 |
| Noninterest income to average assets | 0.1204% | 6,085 |
| Noninterest expense to average assets | 2.4357% | 4,741 |
| Loan and lease loss provision to assets | 0.0197% | 4,225 |
| Net operating income to assets | 0.8272% | 3,239 |
| Return on assets (ROA) | 0.8272% | 3,331 |
| Pretax return on assets | 0.8316% | 4,138 |
| Return on Equity (ROE) | 9.0370% | 2,564 |
| Retained earnings to average equity (ytd only) | 6.9332% | 1,438 |
| Net charge-offs to loans | 0.0143% | 4,596 |
| Credit loss provision to net charge-offs | 300.0000% | 864 |
| Earnings coverage of net charge-offs (x) | 129.6667% | 414 |
| Efficiency ratio | 74.1012% | 2,814 |
| Assets per employee ($millions) | 5.1283% | 2,155 |
| Cash dividends to net income (ytd only)* | 23.2804% | 3,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8187% | 1,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3250% | 4,742 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 50.0596% | 4,973 |
| Net loans and leases to deposits | 56.4763% | 5,153 |
| Net loans and leases to core deposits | 58.6317% | 5,224 |
| Total domestic deposits to total assets | 88.6383% | 1,449 |
| Equity capital to assets | 9.4204% | 4,817 |
| Core capital (leverage) ratio | 6.9792% | 6,315 |
| Tier 1 risk-based capital ratio | 10.5895% | 6,062 |
| Total risk-based capital ratio | 14.9964% | 4,206 |
| Memoranda: | ||
| Average total assets | $45,695,800 | 5,887 |
| Average earning assets | $42,680,600 | 5,861 |
| Average equity | $4,182,800 | 6,054 |
| Average total loans | $20,970,400 | 5,921 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7103% | 4,822 |
| Cost of funding earning assets | 0.3399% | 4,460 |
| Net interest margin | 3.3704% | 4,358 |
| Noninterest income to average assets | 0.1229% | 6,149 |
| Noninterest expense to average assets | 2.4454% | 4,675 |
| Loan and lease loss provision to assets | 0.0263% | 3,876 |
| Net operating income to assets | 0.7839% | 3,493 |
| Return on assets (ROA) | 0.7839% | 3,601 |
| Pretax return on assets | 0.7839% | 4,419 |
| Return on Equity (ROE) | 8.6278% | 2,888 |
| Retained earnings to average equity (ytd only) | 6.5032% | 2,101 |
| Net charge-offs to loans | 0.0197% | 4,136 |
| Credit loss provision to net charge-offs | 300.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 92.3300% | 627 |
| Efficiency ratio | 75.1123% | 2,645 |
| Assets per employee ($millions) | 5.0124% | 2,226 |
| Cash dividends to net income (ytd only)* | 24.6278% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2260% | 911 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 4,939 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 41.6718% | 5,706 |
| Net loans and leases to deposits | 46.4701% | 5,841 |
| Net loans and leases to core deposits | 48.2644% | 5,874 |
| Total domestic deposits to total assets | 89.6746% | 888 |
| Equity capital to assets | 9.4698% | 4,830 |
| Core capital (leverage) ratio | 7.1393% | 6,364 |
| Tier 1 risk-based capital ratio | 11.5896% | 5,747 |
| Total risk-based capital ratio | 16.3895% | 3,443 |
| Memoranda: | ||
| Average total assets | $45,581,000 | 5,958 |
| Average earning assets | $42,368,000 | 5,934 |
| Average equity | $4,141,500 | 6,124 |
| Average total loans | $20,329,750 | 6,013 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6499% | 5,010 |
| Cost of funding earning assets | 0.3327% | 4,616 |
| Net interest margin | 3.3172% | 4,521 |
| Noninterest income to average assets | 0.1268% | 6,178 |
| Noninterest expense to average assets | 2.6193% | 4,172 |
| Loan and lease loss provision to assets | 0.0394% | 3,519 |
| Net operating income to assets | 0.5641% | 4,527 |
| Return on assets (ROA) | 0.5641% | 4,630 |
| Pretax return on assets | 0.5641% | 5,081 |
| Return on Equity (ROE) | 6.2958% | 3,998 |
| Retained earnings to average equity (ytd only) | 4.1484% | 3,535 |
| Net charge-offs to loans | 0.0387% | 3,449 |
| Credit loss provision to net charge-offs | 225.0000% | 1,061 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 1,165 |
| Efficiency ratio | 81.2754% | 1,842 |
| Assets per employee ($millions) | 5.0693% | 2,130 |
| Cash dividends to net income (ytd only)* | 34.1085% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0402% | 1,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3288% | 5,064 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 44.9369% | 5,468 |
| Net loans and leases to deposits | 49.9014% | 5,641 |
| Net loans and leases to core deposits | 50.8331% | 5,745 |
| Total domestic deposits to total assets | 90.0513% | 782 |
| Equity capital to assets | 9.1202% | 5,185 |
| Core capital (leverage) ratio | 6.7456% | 6,471 |
| Tier 1 risk-based capital ratio | 10.5395% | 6,238 |
| Total risk-based capital ratio | 15.1392% | 4,275 |
| Memoranda: | ||
| Average total assets | $45,737,330 | 6,012 |
| Average earning assets | $42,686,670 | 5,984 |
| Average equity | $4,098,000 | 6,179 |
| Average total loans | $20,697,330 | 6,047 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6103% | 5,141 |
| Cost of funding earning assets | 0.3367% | 4,676 |
| Net interest margin | 3.2736% | 4,652 |
| Noninterest income to average assets | 0.1398% | 6,141 |
| Noninterest expense to average assets | 3.1096% | 2,496 |
| Loan and lease loss provision to assets | 0.0437% | 3,223 |
| Net operating income to assets | 0.0437% | 6,144 |
| Return on assets (ROA) | 0.0437% | 6,163 |
| Pretax return on assets | 0.0437% | 6,162 |
| Return on Equity (ROE) | 0.4918% | 6,146 |
| Retained earnings to average equity (ytd only) | -1.6722% | 5,819 |
| Net charge-offs to loans | 0.0777% | 2,375 |
| Credit loss provision to net charge-offs | 125.0000% | 1,406 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 2,865 |
| Efficiency ratio | 97.2678% | 577 |
| Assets per employee ($millions) | 5.7913% | 1,463 |
| Cash dividends to net income (ytd only)* | 440.0000% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1301% | 1,275 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 5,179 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 41.9491% | 5,676 |
| Net loans and leases to deposits | 46.3953% | 5,825 |
| Net loans and leases to core deposits | 47.2446% | 5,919 |
| Total domestic deposits to total assets | 90.4166% | 851 |
| Equity capital to assets | 8.7589% | 5,379 |
| Core capital (leverage) ratio | 6.4480% | 6,541 |
| Tier 1 risk-based capital ratio | 10.5027% | 6,335 |
| Total risk-based capital ratio | 15.2083% | 4,301 |
| Memoranda: | ||
| Average total assets | $45,794,000 | 6,075 |
| Average earning assets | $42,766,000 | 6,034 |
| Average equity | $4,066,500 | 6,234 |
| Average total loans | $20,581,500 | 6,111 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5648% | 5,495 |
| Cost of funding earning assets | 0.3513% | 5,121 |
| Net interest margin | 3.2135% | 4,958 |
| Noninterest income to average assets | 0.1116% | 6,345 |
| Noninterest expense to average assets | 2.5330% | 4,663 |
| Loan and lease loss provision to assets | 0.0335% | 4,450 |
| Net operating income to assets | 0.5914% | 4,307 |
| Return on assets (ROA) | 0.5914% | 4,417 |
| Pretax return on assets | 0.5869% | 4,908 |
| Return on Equity (ROE) | 6.6697% | 3,736 |
| Retained earnings to average equity (ytd only) | 4.4548% | 3,004 |
| Net charge-offs to loans | 0.0159% | 5,122 |
| Credit loss provision to net charge-offs | 500.0000% | 459 |
| Earnings coverage of net charge-offs (x) | 92.6667% | 489 |
| Efficiency ratio | 80.3255% | 2,101 |
| Assets per employee ($millions) | 5.0287% | 2,155 |
| Cash dividends to net income (ytd only)* | 33.2075% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9808% | 1,599 |
| Loan loss allowance to noncurrent loans | 281.3333% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 5,271 |
| Noncurrent loans to loans | 0.7041% | 4,211 |
| Net loans and leases to total assets | 46.1421% | 5,473 |
| Net loans and leases to deposits | 51.1801% | 5,681 |
| Net loans and leases to core deposits | 51.8150% | 5,806 |
| Total domestic deposits to total assets | 90.1564% | 1,003 |
| Equity capital to assets | 9.0039% | 5,030 |
| Core capital (leverage) ratio | 6.6316% | 6,579 |
| Tier 1 risk-based capital ratio | 10.1916% | 6,460 |
| Total risk-based capital ratio | 14.7726% | 4,582 |
| Memoranda: | ||
| Average total assets | $44,809,000 | 6,152 |
| Average earning assets | $42,414,800 | 6,094 |
| Average equity | $3,973,200 | 6,333 |
| Average total loans | $18,833,800 | 6,261 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5453% | 5,588 |
| Cost of funding earning assets | 0.3567% | 5,232 |
| Net interest margin | 3.1885% | 5,033 |
| Noninterest income to average assets | 0.1104% | 6,450 |
| Noninterest expense to average assets | 2.6370% | 4,253 |
| Loan and lease loss provision to assets | 0.0447% | 4,122 |
| Net operating income to assets | 0.4415% | 5,065 |
| Return on assets (ROA) | 0.4415% | 5,204 |
| Pretax return on assets | 0.4415% | 5,519 |
| Return on Equity (ROE) | 4.9985% | 4,724 |
| Retained earnings to average equity (ytd only) | 2.7694% | 4,659 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4317% | 1,543 |
| Assets per employee ($millions) | 4.9534% | 2,227 |
| Cash dividends to net income (ytd only)* | 44.5953% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3945% | 1,054 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 38.8596% | 6,115 |
| Net loans and leases to deposits | 43.0956% | 6,259 |
| Net loans and leases to core deposits | 43.6384% | 6,319 |
| Total domestic deposits to total assets | 90.1707% | 909 |
| Equity capital to assets | 8.9433% | 5,253 |
| Core capital (leverage) ratio | 6.5839% | 6,651 |
| Tier 1 risk-based capital ratio | 10.8622% | 6,342 |
| Total risk-based capital ratio | 15.7812% | 4,007 |
| Memoranda: | ||
| Average total assets | $44,696,750 | 6,227 |
| Average earning assets | $42,233,750 | 6,172 |
| Average equity | $3,947,750 | 6,415 |
| Average total loans | $18,216,000 | 6,346 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5105% | 5,673 |
| Cost of funding earning assets | 0.3567% | 5,343 |
| Net interest margin | 3.1538% | 5,115 |
| Noninterest income to average assets | 0.1162% | 6,470 |
| Noninterest expense to average assets | 2.8479% | 3,521 |
| Loan and lease loss provision to assets | 0.0447% | 4,074 |
| Net operating income to assets | 0.2280% | 5,825 |
| Return on assets (ROA) | 0.2280% | 5,950 |
| Pretax return on assets | 0.2280% | 6,032 |
| Return on Equity (ROE) | 2.5923% | 5,763 |
| Retained earnings to average equity (ytd only) | 0.3558% | 5,752 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2607% | 957 |
| Assets per employee ($millions) | 3.9335% | 3,952 |
| Cash dividends to net income (ytd only)* | 86.2745% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2659% | 1,309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 41.8683% | 5,905 |
| Net loans and leases to deposits | 46.7004% | 6,063 |
| Net loans and leases to core deposits | 47.3101% | 6,160 |
| Total domestic deposits to total assets | 89.6531% | 1,231 |
| Equity capital to assets | 9.0134% | 5,200 |
| Core capital (leverage) ratio | 6.3850% | 6,712 |
| Tier 1 risk-based capital ratio | 10.4475% | 6,523 |
| Total risk-based capital ratio | 15.3194% | 4,335 |
| Memoranda: | ||
| Average total assets | $44,735,330 | 6,265 |
| Average earning assets | $42,615,330 | 6,201 |
| Average equity | $3,934,670 | 6,467 |
| Average total loans | $18,371,670 | 6,383 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4728% | 5,778 |
| Cost of funding earning assets | 0.3631% | 5,428 |
| Net interest margin | 3.1097% | 5,224 |
| Noninterest income to average assets | 0.1056% | 6,552 |
| Noninterest expense to average assets | 3.2374% | 2,240 |
| Loan and lease loss provision to assets | 0.0880% | 3,196 |
| Net operating income to assets | -0.2815% | 6,564 |
| Return on assets (ROA) | -0.2815% | 6,601 |
| Pretax return on assets | -0.2815% | 6,595 |
| Return on Equity (ROE) | -3.2389% | 6,620 |
| Retained earnings to average equity (ytd only) | -5.4656% | 6,398 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3584% | 386 |
| Assets per employee ($millions) | 4.6670% | 2,706 |
| Cash dividends to net income (ytd only)* | -68.7500% | 6,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4114% | 1,236 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 36.4195% | 6,267 |
| Net loans and leases to deposits | 40.1564% | 6,410 |
| Net loans and leases to core deposits | 40.6364% | 6,459 |
| Total domestic deposits to total assets | 90.6942% | 673 |
| Equity capital to assets | 8.3887% | 6,116 |
| Core capital (leverage) ratio | 6.1032% | 6,791 |
| Tier 1 risk-based capital ratio | 10.3941% | 6,604 |
| Total risk-based capital ratio | 15.3293% | 4,406 |
| Memoranda: | ||
| Average total assets | $45,468,500 | 6,304 |
| Average earning assets | $42,962,000 | 6,245 |
| Average equity | $3,952,000 | 6,531 |
| Average total loans | $18,289,500 | 6,442 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7032% | 6,048 |
| Cost of funding earning assets | 0.4281% | 5,735 |
| Net interest margin | 3.2750% | 5,340 |
| Noninterest income to average assets | 0.0990% | 6,507 |
| Noninterest expense to average assets | 2.4791% | 5,166 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6836% | 3,815 |
| Return on assets (ROA) | 0.6836% | 4,081 |
| Pretax return on assets | 0.6836% | 4,718 |
| Return on Equity (ROE) | 7.7680% | 3,197 |
| Retained earnings to average equity (ytd only) | 5.4663% | 2,402 |
| Net charge-offs to loans | -0.0126% | 6,498 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3843% | 2,378 |
| Assets per employee ($millions) | 4.0243% | 3,900 |
| Cash dividends to net income (ytd only)* | 29.6296% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1397% | 1,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 42.3611% | 5,964 |
| Net loans and leases to deposits | 50.9178% | 5,894 |
| Net loans and leases to core deposits | 51.6186% | 6,042 |
| Total domestic deposits to total assets | 83.1952% | 4,639 |
| Equity capital to assets | 9.0112% | 5,508 |
| Core capital (leverage) ratio | 6.4760% | 6,799 |
| Tier 1 risk-based capital ratio | 9.9172% | 6,723 |
| Total risk-based capital ratio | 14.6131% | 4,803 |
| Memoranda: | ||
| Average total assets | $43,443,800 | 6,385 |
| Average earning assets | $40,640,800 | 6,338 |
| Average equity | $3,823,400 | 6,605 |
| Average total loans | $15,862,200 | 6,608 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7162% | 6,198 |
| Cost of funding earning assets | 0.4450% | 5,829 |
| Net interest margin | 3.2711% | 5,482 |
| Noninterest income to average assets | 0.1018% | 6,608 |
| Noninterest expense to average assets | 2.5409% | 4,954 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5982% | 4,409 |
| Return on assets (ROA) | 0.5982% | 4,671 |
| Pretax return on assets | 0.5982% | 5,172 |
| Return on Equity (ROE) | 6.8392% | 3,892 |
| Retained earnings to average equity (ytd only) | 4.5124% | 3,724 |
| Net charge-offs to loans | -0.0178% | 6,476 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9430% | 1,945 |
| Assets per employee ($millions) | 3.9668% | 3,937 |
| Cash dividends to net income (ytd only)* | 34.0215% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5987% | 1,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 35.2171% | 6,601 |
| Net loans and leases to deposits | 39.0978% | 6,713 |
| Net loans and leases to core deposits | 39.6016% | 6,756 |
| Total domestic deposits to total assets | 90.0745% | 805 |
| Equity capital to assets | 8.9217% | 5,901 |
| Core capital (leverage) ratio | 6.4505% | 6,894 |
| Tier 1 risk-based capital ratio | 10.7584% | 6,583 |
| Total risk-based capital ratio | 15.8620% | 4,081 |
| Memoranda: | ||
| Average total assets | $43,238,000 | 6,461 |
| Average earning assets | $40,148,000 | 6,429 |
| Average equity | $3,782,000 | 6,696 |
| Average total loans | $15,037,250 | 6,741 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7466% | 6,263 |
| Cost of funding earning assets | 0.4621% | 5,892 |
| Net interest margin | 3.2844% | 5,488 |
| Noninterest income to average assets | 0.1021% | 6,671 |
| Noninterest expense to average assets | 2.7375% | 4,258 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4315% | 5,113 |
| Return on assets (ROA) | 0.4315% | 5,335 |
| Pretax return on assets | 0.4315% | 5,631 |
| Return on Equity (ROE) | 4.9666% | 4,819 |
| Retained earnings to average equity (ytd only) | 2.6168% | 4,875 |
| Net charge-offs to loans | -0.0270% | 6,501 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3836% | 1,396 |
| Assets per employee ($millions) | 3.9242% | 4,030 |
| Cash dividends to net income (ytd only)* | 47.3118% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8161% | 927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 32.7781% | 6,783 |
| Net loans and leases to deposits | 36.3503% | 6,864 |
| Net loans and leases to core deposits | 36.8233% | 6,896 |
| Total domestic deposits to total assets | 90.1728% | 828 |
| Equity capital to assets | 8.8287% | 5,876 |
| Core capital (leverage) ratio | 6.1436% | 6,968 |
| Tier 1 risk-based capital ratio | 10.6205% | 6,655 |
| Total risk-based capital ratio | 15.7846% | 4,043 |
| Memoranda: | ||
| Average total assets | $43,105,670 | 6,508 |
| Average earning assets | $40,250,330 | 6,470 |
| Average equity | $3,745,000 | 6,743 |
| Average total loans | $14,790,670 | 6,811 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7827% | 6,284 |
| Cost of funding earning assets | 0.4990% | 5,828 |
| Net interest margin | 3.2837% | 5,518 |
| Noninterest income to average assets | 0.1114% | 6,688 |
| Noninterest expense to average assets | 3.3151% | 2,243 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1486% | 6,579 |
| Return on assets (ROA) | -0.1486% | 6,645 |
| Pretax return on assets | -0.1486% | 6,627 |
| Return on Equity (ROE) | -1.7241% | 6,668 |
| Retained earnings to average equity (ytd only) | -4.0948% | 6,506 |
| Net charge-offs to loans | -0.0268% | 6,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6921% | 439 |
| Assets per employee ($millions) | 3.9541% | 4,106 |
| Cash dividends to net income (ytd only)* | -137.5000% | 7,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8662% | 944 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 31.8680% | 6,835 |
| Net loans and leases to deposits | 35.2186% | 6,914 |
| Net loans and leases to core deposits | 35.6718% | 6,950 |
| Total domestic deposits to total assets | 90.4863% | 811 |
| Equity capital to assets | 8.5159% | 6,069 |
| Core capital (leverage) ratio | 5.8074% | 7,056 |
| Tier 1 risk-based capital ratio | 10.3761% | 6,769 |
| Total risk-based capital ratio | 15.5803% | 4,190 |
| Memoranda: | ||
| Average total assets | $43,075,500 | 6,558 |
| Average earning assets | $40,077,000 | 6,519 |
| Average equity | $3,712,000 | 6,794 |
| Average total loans | $14,906,500 | 6,862 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1679% | 6,147 |
| Cost of funding earning assets | 0.7687% | 5,072 |
| Net interest margin | 3.3992% | 5,481 |
| Noninterest income to average assets | 0.0967% | 6,653 |
| Noninterest expense to average assets | 2.6017% | 5,090 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6722% | 3,621 |
| Return on assets (ROA) | 0.6722% | 3,814 |
| Pretax return on assets | 0.6601% | 4,471 |
| Return on Equity (ROE) | 7.8829% | 2,970 |
| Retained earnings to average equity (ytd only) | 5.3876% | 2,384 |
| Net charge-offs to loans | 0.6306% | 2,569 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 2.8737% | 3,772 |
| Efficiency ratio | 79.7628% | 2,332 |
| Assets per employee ($millions) | 3.8778% | 4,137 |
| Cash dividends to net income (ytd only)* | 31.6547% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6250% | 1,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 35.4815% | 6,788 |
| Net loans and leases to deposits | 39.3056% | 6,911 |
| Net loans and leases to core deposits | 40.0917% | 6,943 |
| Total domestic deposits to total assets | 90.2710% | 840 |
| Equity capital to assets | 8.7209% | 5,877 |
| Core capital (leverage) ratio | 6.1951% | 7,033 |
| Tier 1 risk-based capital ratio | 10.2246% | 6,790 |
| Total risk-based capital ratio | 15.3133% | 4,229 |
| Memoranda: | ||
| Average total assets | $41,356,800 | 6,619 |
| Average earning assets | $38,509,000 | 6,579 |
| Average equity | $3,526,600 | 6,872 |
| Average total loans | $15,065,000 | 6,903 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2190% | 6,162 |
| Cost of funding earning assets | 0.8187% | 5,020 |
| Net interest margin | 3.4003% | 5,569 |
| Noninterest income to average assets | 0.0975% | 6,763 |
| Noninterest expense to average assets | 2.6970% | 4,740 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5719% | 4,209 |
| Return on assets (ROA) | 0.5719% | 4,391 |
| Pretax return on assets | 0.5719% | 4,904 |
| Return on Equity (ROE) | 6.7465% | 3,640 |
| Retained earnings to average equity (ytd only) | 4.2165% | 3,731 |
| Net charge-offs to loans | 0.1338% | 4,717 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 11.7330% | 1,783 |
| Efficiency ratio | 82.5050% | 1,903 |
| Assets per employee ($millions) | 3.7093% | 4,517 |
| Cash dividends to net income (ytd only)* | 37.5011% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4145% | 605 |
| Loan loss allowance to noncurrent loans | 241.5842% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.4951% | 5,848 |
| Noncurrent loans to loans | 1.4134% | 4,174 |
| Net loans and leases to total assets | 33.8317% | 6,963 |
| Net loans and leases to deposits | 37.6285% | 7,046 |
| Net loans and leases to core deposits | 38.4191% | 7,079 |
| Total domestic deposits to total assets | 89.9098% | 913 |
| Equity capital to assets | 8.9481% | 5,810 |
| Core capital (leverage) ratio | 6.2562% | 7,105 |
| Tier 1 risk-based capital ratio | 10.7909% | 6,669 |
| Total risk-based capital ratio | 16.2292% | 3,646 |
| Memoranda: | ||
| Average total assets | $41,032,000 | 6,694 |
| Average earning assets | $38,270,250 | 6,648 |
| Average equity | $3,478,250 | 6,941 |
| Average total loans | $14,945,500 | 6,971 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0973% | 6,495 |
| Cost of funding earning assets | 0.8484% | 5,074 |
| Net interest margin | 3.2489% | 6,008 |
| Noninterest income to average assets | 0.0973% | 6,839 |
| Noninterest expense to average assets | 2.8850% | 4,084 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2676% | 5,490 |
| Return on assets (ROA) | 0.2676% | 5,613 |
| Pretax return on assets | 0.2676% | 5,755 |
| Return on Equity (ROE) | 3.2157% | 5,298 |
| Retained earnings to average equity (ytd only) | 0.6431% | 5,601 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5123% | 1,131 |
| Assets per employee ($millions) | 3.7009% | 4,443 |
| Cash dividends to net income (ytd only)* | 80.0000% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3040% | 701 |
| Loan loss allowance to noncurrent loans | 207.8512% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.5944% | 5,734 |
| Noncurrent loans to loans | 1.5896% | 4,012 |
| Net loans and leases to total assets | 36.1606% | 6,953 |
| Net loans and leases to deposits | 40.0125% | 7,066 |
| Net loans and leases to core deposits | 40.8508% | 7,110 |
| Total domestic deposits to total assets | 90.3734% | 776 |
| Equity capital to assets | 8.5949% | 6,066 |
| Core capital (leverage) ratio | 5.9097% | 7,210 |
| Tier 1 risk-based capital ratio | 9.8779% | 7,014 |
| Total risk-based capital ratio | 15.1140% | 4,228 |
| Memoranda: | ||
| Average total assets | $41,108,670 | 6,749 |
| Average earning assets | $38,659,330 | 6,697 |
| Average equity | $3,420,670 | 7,006 |
| Average total loans | $15,163,330 | 7,030 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1088% | 6,485 |
| Cost of funding earning assets | 0.8775% | 5,078 |
| Net interest margin | 3.2313% | 5,978 |
| Noninterest income to average assets | 0.1065% | 6,878 |
| Noninterest expense to average assets | 3.3601% | 2,382 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2227% | 6,588 |
| Return on assets (ROA) | -0.2227% | 6,601 |
| Pretax return on assets | -0.2227% | 6,556 |
| Return on Equity (ROE) | -2.7207% | 6,640 |
| Retained earnings to average equity (ytd only) | -5.3231% | 6,546 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0988% | 557 |
| Assets per employee ($millions) | 3.8396% | 4,216 |
| Cash dividends to net income (ytd only)* | -95.6522% | 7,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4738% | 620 |
| Loan loss allowance to noncurrent loans | 523.9583% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 6,604 |
| Noncurrent loans to loans | 0.6630% | 5,705 |
| Net loans and leases to total assets | 33.0926% | 7,122 |
| Net loans and leases to deposits | 36.3454% | 7,217 |
| Net loans and leases to core deposits | 37.0733% | 7,239 |
| Total domestic deposits to total assets | 91.0503% | 602 |
| Equity capital to assets | 7.9908% | 6,507 |
| Core capital (leverage) ratio | 5.5349% | 7,309 |
| Tier 1 risk-based capital ratio | 9.9773% | 7,013 |
| Total risk-based capital ratio | 15.3490% | 3,979 |
| Memoranda: | ||
| Average total assets | $41,308,000 | 6,785 |
| Average earning assets | $38,746,500 | 6,730 |
| Average equity | $3,381,500 | 7,051 |
| Average total loans | $15,133,000 | 7,081 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 6,396 |
| Cost of funding earning assets | 1.3002% | 3,880 |
| Net interest margin | 3.2015% | 6,271 |
| Noninterest income to average assets | 0.0825% | 6,978 |
| Noninterest expense to average assets | 2.4210% | 6,046 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6471% | 3,453 |
| Return on assets (ROA) | 0.7580% | 3,085 |
| Pretax return on assets | 0.7116% | 3,936 |
| Return on Equity (ROE) | 8.7484% | 2,400 |
| Retained earnings to average equity (ytd only) | 6.1299% | 1,753 |
| Net charge-offs to loans | 0.0866% | 5,971 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 19.4167% | 1,062 |
| Efficiency ratio | 80.1195% | 2,399 |
| Assets per employee ($millions) | 3.6709% | 4,523 |
| Cash dividends to net income (ytd only)* | 29.9320% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1864% | 742 |
| Loan loss allowance to noncurrent loans | 3,592.8571% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 7,148 |
| Noncurrent loans to loans | 0.0887% | 6,912 |
| Net loans and leases to total assets | 37.8479% | 7,077 |
| Net loans and leases to deposits | 42.3563% | 7,173 |
| Net loans and leases to core deposits | 42.9515% | 7,233 |
| Total domestic deposits to total assets | 89.3561% | 1,461 |
| Equity capital to assets | 8.3903% | 6,015 |
| Core capital (leverage) ratio | 5.7770% | 7,334 |
| Tier 1 risk-based capital ratio | 9.5967% | 7,110 |
| Total risk-based capital ratio | 14.7387% | 4,187 |
| Memoranda: | ||
| Average total assets | $38,786,000 | 6,907 |
| Average earning assets | $35,608,800 | 6,889 |
| Average equity | $3,360,600 | 7,175 |
| Average total loans | $13,850,800 | 7,212 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5803% | 6,388 |
| Cost of funding earning assets | 1.3978% | 3,599 |
| Net interest margin | 3.1824% | 6,402 |
| Noninterest income to average assets | 0.0764% | 7,154 |
| Noninterest expense to average assets | 2.3931% | 6,054 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5696% | 4,005 |
| Return on assets (ROA) | 0.7190% | 3,482 |
| Pretax return on assets | 0.7190% | 4,177 |
| Return on Equity (ROE) | 8.2293% | 2,815 |
| Retained earnings to average equity (ytd only) | 5.6057% | 2,588 |
| Net charge-offs to loans | 0.1197% | 5,353 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 13.6663% | 1,568 |
| Efficiency ratio | 80.7737% | 2,250 |
| Assets per employee ($millions) | 3.6494% | 4,619 |
| Cash dividends to net income (ytd only)* | 31.8852% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5947% | 504 |
| Loan loss allowance to noncurrent loans | 3,353.3333% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 7,262 |
| Noncurrent loans to loans | 0.1072% | 6,972 |
| Net loans and leases to total assets | 33.6049% | 7,359 |
| Net loans and leases to deposits | 37.3570% | 7,441 |
| Net loans and leases to core deposits | 37.8816% | 7,462 |
| Total domestic deposits to total assets | 89.9559% | 903 |
| Equity capital to assets | 8.6914% | 6,033 |
| Core capital (leverage) ratio | 5.8866% | 7,449 |
| Tier 1 risk-based capital ratio | 10.2481% | 6,931 |
| Total risk-based capital ratio | 15.7690% | 3,472 |
| Memoranda: | ||
| Average total assets | $38,387,500 | 7,003 |
| Average earning assets | $34,815,250 | 7,002 |
| Average equity | $3,353,750 | 7,270 |
| Average total loans | $13,367,000 | 7,332 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6671% | 6,252 |
| Cost of funding earning assets | 1.5070% | 3,218 |
| Net interest margin | 3.1601% | 6,431 |
| Noninterest income to average assets | 0.1005% | 7,096 |
| Noninterest expense to average assets | 2.4707% | 5,830 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4920% | 4,368 |
| Return on assets (ROA) | 0.4920% | 4,527 |
| Pretax return on assets | 0.4920% | 4,928 |
| Return on Equity (ROE) | 5.6216% | 3,981 |
| Retained earnings to average equity (ytd only) | 2.9619% | 4,238 |
| Net charge-offs to loans | 0.1824% | 4,517 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 7.7500% | 2,245 |
| Efficiency ratio | 83.3929% | 1,991 |
| Assets per employee ($millions) | 3.5368% | 4,825 |
| Cash dividends to net income (ytd only)* | 47.3118% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7599% | 448 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 33.0934% | 7,450 |
| Net loans and leases to deposits | 36.7584% | 7,516 |
| Net loans and leases to core deposits | 37.7632% | 7,536 |
| Total domestic deposits to total assets | 90.0296% | 908 |
| Equity capital to assets | 8.6287% | 5,976 |
| Core capital (leverage) ratio | 5.8432% | 7,505 |
| Tier 1 risk-based capital ratio | 10.1937% | 6,919 |
| Total risk-based capital ratio | 15.8684% | 3,346 |
| Memoranda: | ||
| Average total assets | $37,802,330 | 7,082 |
| Average earning assets | $34,239,670 | 7,075 |
| Average equity | $3,308,670 | 7,321 |
| Average total loans | $13,158,330 | 7,389 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7688% | 6,005 |
| Cost of funding earning assets | 1.5383% | 3,339 |
| Net interest margin | 3.2305% | 6,194 |
| Noninterest income to average assets | 0.1396% | 6,983 |
| Noninterest expense to average assets | 2.6415% | 5,175 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4295% | 4,714 |
| Return on assets (ROA) | 0.4295% | 4,849 |
| Pretax return on assets | 0.4295% | 5,196 |
| Return on Equity (ROE) | 4.8714% | 4,431 |
| Retained earnings to average equity (ytd only) | 2.1921% | 4,817 |
| Net charge-offs to loans | 0.3679% | 2,938 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 2,940 |
| Efficiency ratio | 86.0140% | 1,795 |
| Assets per employee ($millions) | 3.7699% | 4,378 |
| Cash dividends to net income (ytd only)* | 55.0000% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9990% | 380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 32.0300% | 7,564 |
| Net loans and leases to deposits | 35.6279% | 7,630 |
| Net loans and leases to core deposits | 36.6353% | 7,643 |
| Total domestic deposits to total assets | 89.9016% | 1,041 |
| Equity capital to assets | 8.7244% | 5,699 |
| Core capital (leverage) ratio | 5.8541% | 7,600 |
| Tier 1 risk-based capital ratio | 10.4451% | 6,682 |
| Total risk-based capital ratio | 16.2891% | 3,060 |
| Memoranda: | ||
| Average total assets | $37,251,000 | 7,189 |
| Average earning assets | $33,803,000 | 7,169 |
| Average equity | $3,284,500 | 7,405 |
| Average total loans | $13,048,500 | 7,491 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2684% | 5,330 |
| Cost of funding earning assets | 1.6827% | 4,600 |
| Net interest margin | 3.5856% | 4,600 |
| Noninterest income to average assets | 0.1142% | 7,185 |
| Noninterest expense to average assets | 2.7803% | 5,048 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3796% | 4,209 |
| Return on assets (ROA) | 0.3796% | 4,310 |
| Pretax return on assets | 0.5880% | 3,933 |
| Return on Equity (ROE) | 4.0335% | 4,082 |
| Retained earnings to average equity (ytd only) | 1.3647% | 4,098 |
| Net charge-offs to loans | 0.0603% | 6,493 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 25.7500% | 867 |
| Efficiency ratio | 82.5424% | 2,544 |
| Assets per employee ($millions) | 3.6803% | 4,565 |
| Cash dividends to net income (ytd only)* | 66.1654% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8095% | 405 |
| Loan loss allowance to noncurrent loans | 757.3529% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 7,005 |
| Noncurrent loans to loans | 0.5030% | 6,246 |
| Net loans and leases to total assets | 35.3341% | 7,548 |
| Net loans and leases to deposits | 39.3846% | 7,640 |
| Net loans and leases to core deposits | 47.6721% | 7,638 |
| Total domestic deposits to total assets | 89.7155% | 1,100 |
| Equity capital to assets | 8.9123% | 5,263 |
| Core capital (leverage) ratio | 6.0425% | 7,627 |
| Tier 1 risk-based capital ratio | 10.1835% | 6,698 |
| Total risk-based capital ratio | 15.9506% | 3,053 |
| Memoranda: | ||
| Average total assets | $35,032,800 | 7,279 |
| Average earning assets | $31,793,400 | 7,275 |
| Average equity | $3,297,400 | 7,502 |
| Average total loans | $13,257,800 | 7,535 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3903% | 4,999 |
| Cost of funding earning assets | 1.7103% | 4,845 |
| Net interest margin | 3.6800% | 4,166 |
| Noninterest income to average assets | 0.1234% | 7,273 |
| Noninterest expense to average assets | 2.5132% | 6,030 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8827% | 2,484 |
| Return on assets (ROA) | 0.8827% | 2,560 |
| Pretax return on assets | 0.9444% | 3,080 |
| Return on Equity (ROE) | 9.2475% | 2,180 |
| Retained earnings to average equity (ytd only) | 6.5823% | 1,673 |
| Net charge-offs to loans | 0.0707% | 5,985 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 35.0118% | 829 |
| Efficiency ratio | 72.6867% | 4,106 |
| Assets per employee ($millions) | 3.5411% | 4,830 |
| Cash dividends to net income (ytd only)* | 28.8213% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2164% | 252 |
| Loan loss allowance to noncurrent loans | 1,911.1111% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 7,365 |
| Noncurrent loans to loans | 0.2206% | 6,943 |
| Net loans and leases to total assets | 33.1027% | 7,713 |
| Net loans and leases to deposits | 37.2482% | 7,797 |
| Net loans and leases to core deposits | 45.2657% | 7,777 |
| Total domestic deposits to total assets | 88.8707% | 1,258 |
| Equity capital to assets | 9.7371% | 4,441 |
| Core capital (leverage) ratio | 6.5947% | 7,632 |
| Tier 1 risk-based capital ratio | 11.5811% | 5,362 |
| Total risk-based capital ratio | 17.7077% | 2,391 |
| Memoranda: | ||
| Average total assets | $34,590,250 | 7,358 |
| Average earning assets | $31,339,250 | 7,357 |
| Average equity | $3,301,750 | 7,570 |
| Average total loans | $13,192,500 | 7,612 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5006% | 4,629 |
| Cost of funding earning assets | 1.7201% | 5,174 |
| Net interest margin | 3.7804% | 3,636 |
| Noninterest income to average assets | 0.1282% | 7,329 |
| Noninterest expense to average assets | 2.5585% | 5,907 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9267% | 2,359 |
| Return on assets (ROA) | 0.9267% | 2,450 |
| Pretax return on assets | 1.0024% | 3,002 |
| Return on Equity (ROE) | 9.7756% | 2,101 |
| Retained earnings to average equity (ytd only) | 7.0704% | 1,552 |
| Net charge-offs to loans | 0.0740% | 5,468 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 34.4000% | 908 |
| Efficiency ratio | 71.8494% | 4,444 |
| Assets per employee ($millions) | 3.5379% | 4,713 |
| Cash dividends to net income (ytd only)* | 27.6730% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9018% | 282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 36.0609% | 7,705 |
| Net loans and leases to deposits | 40.3058% | 7,804 |
| Net loans and leases to core deposits | 47.7631% | 7,803 |
| Total domestic deposits to total assets | 89.4683% | 1,058 |
| Equity capital to assets | 9.3078% | 4,854 |
| Core capital (leverage) ratio | 6.5267% | 7,784 |
| Tier 1 risk-based capital ratio | 11.1057% | 5,768 |
| Total risk-based capital ratio | 17.1363% | 2,609 |
| Memoranda: | ||
| Average total assets | $34,316,670 | 7,434 |
| Average earning assets | $31,160,330 | 7,432 |
| Average equity | $3,253,000 | 7,649 |
| Average total loans | $13,510,670 | 7,680 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6198% | 4,239 |
| Cost of funding earning assets | 1.7441% | 5,389 |
| Net interest margin | 3.8757% | 3,160 |
| Noninterest income to average assets | 0.1421% | 7,284 |
| Noninterest expense to average assets | 2.6047% | 5,429 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9945% | 2,333 |
| Return on assets (ROA) | 0.9945% | 2,469 |
| Pretax return on assets | 1.0892% | 3,029 |
| Return on Equity (ROE) | 10.3928% | 2,172 |
| Retained earnings to average equity (ytd only) | 7.6709% | 1,946 |
| Net charge-offs to loans | 0.1468% | 3,795 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 18.4000% | 1,465 |
| Efficiency ratio | 70.5128% | 4,478 |
| Assets per employee ($millions) | 3.3566% | 5,187 |
| Cash dividends to net income (ytd only)* | 26.1905% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9213% | 235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 37.8121% | 7,669 |
| Net loans and leases to deposits | 42.5136% | 7,769 |
| Net loans and leases to core deposits | 50.7173% | 7,764 |
| Total domestic deposits to total assets | 88.9412% | 1,256 |
| Equity capital to assets | 9.7241% | 4,350 |
| Core capital (leverage) ratio | 6.4627% | 7,894 |
| Tier 1 risk-based capital ratio | 11.2943% | 5,605 |
| Total risk-based capital ratio | 17.5199% | 2,535 |
| Memoranda: | ||
| Average total assets | $33,785,500 | 7,498 |
| Average earning assets | $30,962,000 | 7,477 |
| Average equity | $3,233,000 | 7,707 |
| Average total loans | $13,628,000 | 7,714 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0899% | 5,102 |
| Cost of funding earning assets | 2.1832% | 5,670 |
| Net interest margin | 3.9067% | 3,523 |
| Noninterest income to average assets | 0.1563% | 7,310 |
| Noninterest expense to average assets | 2.7144% | 5,202 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5441% | 4,555 |
| Return on assets (ROA) | 0.5441% | 4,408 |
| Pretax return on assets | 1.0942% | 3,045 |
| Return on Equity (ROE) | 5.6323% | 4,103 |
| Retained earnings to average equity (ytd only) | 2.8940% | 3,379 |
| Net charge-offs to loans | -0.0072% | 7,816 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2707% | 4,071 |
| Assets per employee ($millions) | 3.4005% | 4,942 |
| Cash dividends to net income (ytd only)* | 48.6188% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7235% | 234 |
| Loan loss allowance to noncurrent loans | 3,268.7500% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 7,395 |
| Noncurrent loans to loans | 0.1139% | 7,078 |
| Net loans and leases to total assets | 39.7677% | 7,682 |
| Net loans and leases to deposits | 44.5877% | 7,831 |
| Net loans and leases to core deposits | 54.2678% | 7,795 |
| Total domestic deposits to total assets | 89.1898% | 966 |
| Equity capital to assets | 9.4163% | 4,803 |
| Core capital (leverage) ratio | 6.6352% | 7,883 |
| Tier 1 risk-based capital ratio | 10.8081% | 5,906 |
| Total risk-based capital ratio | 16.9563% | 2,708 |
| Memoranda: | ||
| Average total assets | $33,267,600 | 7,494 |
| Average earning assets | $31,100,600 | 7,455 |
| Average equity | $3,213,600 | 7,770 |
| Average total loans | $13,914,000 | 7,709 |