Home > The First National Bank of Okawville > Performance and Condition Ratios
The First National Bank of Okawville, 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 | 3.2141% | 4,481 |
| Cost of funding earning assets | 0.6553% | 3,988 |
| Net interest margin | 2.5589% | 4,023 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 2.1359% | 3,308 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3593% | 3,944 |
| Return on assets (ROA) | 0.3593% | 3,937 |
| Pretax return on assets | 0.3593% | 4,022 |
| Return on Equity (ROE) | 4.3700% | 3,833 |
| Retained earnings to average equity (ytd only) | 1.5639% | 3,692 |
| Net charge-offs to loans | 0.0256% | 1,803 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 45.1667% | 1,355 |
| Efficiency ratio | 85.6004% | 586 |
| Assets per employee ($millions) | 5.5169% | 3,237 |
| Cash dividends to net income (ytd only)* | 64.2066% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7744% | 4,018 |
| 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 | 29.8600% | 4,294 |
| Net loans and leases to deposits | 35.2118% | 4,286 |
| Net loans and leases to core deposits | 36.2085% | 4,341 |
| Total domestic deposits to total assets | 84.8000% | 2,372 |
| Equity capital to assets | 8.3936% | 3,126 |
| Core capital (leverage) ratio | 11.4054% | 1,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2370% | 671 |
| Memoranda: | ||
| Average total assets | $75,424,200 | 4,058 |
| Average earning assets | $70,656,400 | 4,029 |
| Average equity | $6,202,600 | 4,142 |
| Average total loans | $23,397,000 | 4,246 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1864% | 4,491 |
| Cost of funding earning assets | 0.5919% | 3,983 |
| Net interest margin | 2.5945% | 4,040 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 2.1572% | 3,194 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3877% | 3,983 |
| Return on assets (ROA) | 0.3877% | 3,983 |
| Pretax return on assets | 0.3877% | 4,078 |
| Return on Equity (ROE) | 4.7400% | 3,859 |
| Retained earnings to average equity (ytd only) | 1.8915% | 3,744 |
| Net charge-offs to loans | 0.0341% | 1,399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 36.3333% | 1,498 |
| Efficiency ratio | 84.7659% | 571 |
| Assets per employee ($millions) | 5.1543% | 3,474 |
| Cash dividends to net income (ytd only)* | 60.0917% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 3,957 |
| 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 | 30.4200% | 4,305 |
| Net loans and leases to deposits | 36.0261% | 4,296 |
| Net loans and leases to core deposits | 36.9678% | 4,310 |
| Total domestic deposits to total assets | 84.4300% | 2,657 |
| Equity capital to assets | 8.3107% | 2,847 |
| Core capital (leverage) ratio | 11.3915% | 1,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5839% | 584 |
| Memoranda: | ||
| Average total assets | $74,971,000 | 4,080 |
| Average earning assets | $70,505,750 | 4,051 |
| Average equity | $6,132,500 | 4,153 |
| Average total loans | $23,435,500 | 4,262 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1453% | 4,515 |
| Cost of funding earning assets | 0.5504% | 3,883 |
| Net interest margin | 2.5949% | 4,115 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 2.1447% | 3,234 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3926% | 4,015 |
| Return on assets (ROA) | 0.3926% | 4,029 |
| Pretax return on assets | 0.3926% | 4,127 |
| Return on Equity (ROE) | 4.8200% | 3,899 |
| Retained earnings to average equity (ytd only) | 2.0072% | 3,725 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.5275% | 566 |
| Assets per employee ($millions) | 5.1509% | 3,455 |
| Cash dividends to net income (ytd only)* | 58.3893% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8218% | 3,966 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 3,772 |
| Noncurrent loans to loans | 0.0265% | 3,568 |
| Net loans and leases to total assets | 31.1300% | 4,301 |
| Net loans and leases to deposits | 35.1546% | 4,313 |
| Net loans and leases to core deposits | 36.0298% | 4,324 |
| Total domestic deposits to total assets | 88.5500% | 1,398 |
| Equity capital to assets | 8.5602% | 2,811 |
| Core capital (leverage) ratio | 11.2185% | 1,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3945% | 598 |
| Memoranda: | ||
| Average total assets | $75,908,000 | 4,092 |
| Average earning assets | $71,216,667 | 4,061 |
| Average equity | $6,177,667 | 4,175 |
| Average total loans | $23,870,667 | 4,269 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0888% | 4,534 |
| Cost of funding earning assets | 0.4586% | 3,810 |
| Net interest margin | 2.6302% | 4,173 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.0975% | 3,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4627% | 3,980 |
| Return on assets (ROA) | 0.4627% | 3,931 |
| Pretax return on assets | 0.4627% | 4,038 |
| Return on Equity (ROE) | 5.8300% | 3,754 |
| Retained earnings to average equity (ytd only) | 2.9773% | 3,512 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.9277% | 710 |
| Assets per employee ($millions) | 5.4326% | 3,288 |
| Cash dividends to net income (ytd only)* | 48.8889% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7596% | 4,161 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 3,798 |
| Noncurrent loans to loans | 0.0245% | 3,596 |
| Net loans and leases to total assets | 31.9500% | 4,322 |
| Net loans and leases to deposits | 35.6449% | 4,338 |
| Net loans and leases to core deposits | 36.1218% | 4,362 |
| Total domestic deposits to total assets | 89.6400% | 1,285 |
| Equity capital to assets | 8.1900% | 3,114 |
| Core capital (leverage) ratio | 10.8136% | 1,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7640% | 764 |
| Memoranda: | ||
| Average total assets | $77,805,500 | 4,132 |
| Average earning assets | $72,389,500 | 4,106 |
| Average equity | $6,180,000 | 4,224 |
| Average total loans | $24,489,000 | 4,316 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6899% | 4,410 |
| Cost of funding earning assets | 0.3688% | 2,344 |
| Net interest margin | 2.3211% | 4,412 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 1.9342% | 3,762 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3655% | 4,291 |
| Return on assets (ROA) | 0.3655% | 4,258 |
| Pretax return on assets | 0.3655% | 4,317 |
| Return on Equity (ROE) | 4.3100% | 4,114 |
| Retained earnings to average equity (ytd only) | 1.7343% | 4,031 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 84.1070% | 492 |
| Assets per employee ($millions) | 5.3037% | 3,419 |
| Cash dividends to net income (ytd only)* | 59.7938% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7595% | 4,118 |
| 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 | 30.5500% | 4,379 |
| Net loans and leases to deposits | 34.2967% | 4,393 |
| Net loans and leases to core deposits | 34.2967% | 4,411 |
| Total domestic deposits to total assets | 89.0800% | 1,692 |
| Equity capital to assets | 7.7066% | 3,248 |
| Core capital (leverage) ratio | 10.6943% | 2,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5089% | 777 |
| Memoranda: | ||
| Average total assets | $79,621,000 | 4,139 |
| Average earning assets | $75,653,400 | 4,094 |
| Average equity | $6,746,200 | 4,246 |
| Average total loans | $22,970,400 | 4,359 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5838% | 4,406 |
| Cost of funding earning assets | 0.3609% | 1,611 |
| Net interest margin | 2.2229% | 4,453 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.9069% | 3,735 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3231% | 4,354 |
| Return on assets (ROA) | 0.3231% | 4,308 |
| Pretax return on assets | 0.3231% | 4,353 |
| Return on Equity (ROE) | 3.7300% | 4,194 |
| Retained earnings to average equity (ytd only) | 1.2174% | 4,184 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 85.5105% | 479 |
| Assets per employee ($millions) | 5.0791% | 3,611 |
| Cash dividends to net income (ytd only)* | 67.3575% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8216% | 4,041 |
| 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 | 29.4700% | 4,436 |
| Net loans and leases to deposits | 32.8131% | 4,442 |
| Net loans and leases to core deposits | 32.8131% | 4,470 |
| Total domestic deposits to total assets | 89.8200% | 1,736 |
| Equity capital to assets | 8.0054% | 2,894 |
| Core capital (leverage) ratio | 10.5163% | 2,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1920% | 714 |
| Memoranda: | ||
| Average total assets | $79,637,500 | 4,163 |
| Average earning assets | $76,475,500 | 4,109 |
| Average equity | $6,900,000 | 4,272 |
| Average total loans | $22,590,500 | 4,401 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4552% | 4,417 |
| Cost of funding earning assets | 0.3555% | 1,220 |
| Net interest margin | 2.0997% | 4,514 |
| Noninterest income to average assets | 0.1015% | 4,477 |
| Noninterest expense to average assets | 1.9137% | 3,669 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2055% | 4,413 |
| Return on assets (ROA) | 0.2055% | 4,373 |
| Pretax return on assets | 0.2055% | 4,406 |
| Return on Equity (ROE) | 2.3162% | 4,319 |
| Retained earnings to average equity (ytd only) | -0.1116% | 4,189 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3037% | 390 |
| Assets per employee ($millions) | 5.1281% | 3,565 |
| Cash dividends to net income (ytd only)* | 104.8193% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8388% | 4,107 |
| 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 | 28.5861% | 4,501 |
| Net loans and leases to deposits | 31.9380% | 4,505 |
| Net loans and leases to core deposits | 31.9380% | 4,534 |
| Total domestic deposits to total assets | 89.5050% | 1,945 |
| Equity capital to assets | 8.3162% | 2,891 |
| Core capital (leverage) ratio | 9.2542% | 3,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1186% | 835 |
| Memoranda: | ||
| Average total assets | $80,788,000 | 4,192 |
| Average earning assets | $77,630,333 | 4,147 |
| Average equity | $7,167,000 | 4,299 |
| Average total loans | $22,574,333 | 4,452 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3040% | 4,454 |
| Cost of funding earning assets | 0.3773% | 1,009 |
| Net interest margin | 1.9267% | 4,564 |
| Noninterest income to average assets | 0.1112% | 4,452 |
| Noninterest expense to average assets | 1.8617% | 3,777 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1015% | 4,467 |
| Return on assets (ROA) | 0.1015% | 4,440 |
| Pretax return on assets | 0.1015% | 4,445 |
| Return on Equity (ROE) | 1.1123% | 4,410 |
| Retained earnings to average equity (ytd only) | -1.2182% | 4,163 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8276% | 366 |
| Assets per employee ($millions) | 5.7437% | 3,065 |
| Cash dividends to net income (ytd only)* | 209.5238% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8458% | 4,160 |
| 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 | 25.3079% | 4,585 |
| Net loans and leases to deposits | 27.6669% | 4,606 |
| Net loans and leases to core deposits | 28.7868% | 4,603 |
| Total domestic deposits to total assets | 91.4735% | 813 |
| Equity capital to assets | 8.3837% | 3,255 |
| Core capital (leverage) ratio | 9.1896% | 3,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2876% | 1,191 |
| Memoranda: | ||
| Average total assets | $82,721,000 | 4,183 |
| Average earning assets | $79,515,000 | 4,147 |
| Average equity | $7,552,000 | 4,308 |
| Average total loans | $22,774,000 | 4,470 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8243% | 4,171 |
| Cost of funding earning assets | 0.4008% | 1,540 |
| Net interest margin | 2.4235% | 4,296 |
| Noninterest income to average assets | 0.0999% | 4,604 |
| Noninterest expense to average assets | 1.9980% | 3,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4398% | 4,204 |
| Return on assets (ROA) | 0.4398% | 4,245 |
| Pretax return on assets | 0.4398% | 4,344 |
| Return on Equity (ROE) | 4.2819% | 4,158 |
| Retained earnings to average equity (ytd only) | 2.0841% | 3,963 |
| Net charge-offs to loans | 0.0043% | 2,450 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 339.0000% | 367 |
| Efficiency ratio | 81.9585% | 678 |
| Assets per employee ($millions) | 5.2858% | 3,491 |
| Cash dividends to net income (ytd only)* | 51.3274% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7895% | 4,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 29.4777% | 4,528 |
| Net loans and leases to deposits | 32.8000% | 4,562 |
| Net loans and leases to core deposits | 34.2748% | 4,549 |
| Total domestic deposits to total assets | 89.8710% | 1,017 |
| Equity capital to assets | 9.9398% | 2,709 |
| Core capital (leverage) ratio | 10.3451% | 2,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2310% | 862 |
| Memoranda: | ||
| Average total assets | $77,079,000 | 4,258 |
| Average earning assets | $74,354,600 | 4,204 |
| Average equity | $7,917,000 | 4,335 |
| Average total loans | $23,250,800 | 4,507 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9174% | 4,140 |
| Cost of funding earning assets | 0.4150% | 1,582 |
| Net interest margin | 2.5024% | 4,272 |
| Noninterest income to average assets | 0.0976% | 4,677 |
| Noninterest expense to average assets | 1.9688% | 3,765 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5453% | 4,110 |
| Return on assets (ROA) | 0.5453% | 4,154 |
| Pretax return on assets | 0.5453% | 4,308 |
| Return on Equity (ROE) | 5.2652% | 4,070 |
| Retained earnings to average equity (ytd only) | 3.0616% | 3,888 |
| Net charge-offs to loans | 0.0058% | 2,116 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 313.0000% | 424 |
| Efficiency ratio | 78.3091% | 850 |
| Assets per employee ($millions) | 5.0081% | 3,687 |
| Cash dividends to net income (ytd only)* | 41.8530% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7962% | 4,353 |
| 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 | 30.8502% | 4,569 |
| Net loans and leases to deposits | 34.6159% | 4,614 |
| Net loans and leases to core deposits | 36.2773% | 4,606 |
| Total domestic deposits to total assets | 89.1216% | 1,216 |
| Equity capital to assets | 10.6774% | 2,283 |
| Core capital (leverage) ratio | 10.6620% | 1,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5740% | 740 |
| Memoranda: | ||
| Average total assets | $76,527,000 | 4,319 |
| Average earning assets | $73,900,500 | 4,260 |
| Average equity | $7,926,000 | 4,397 |
| Average total loans | $23,174,000 | 4,568 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0390% | 3,974 |
| Cost of funding earning assets | 0.4276% | 1,675 |
| Net interest margin | 2.6114% | 4,144 |
| Noninterest income to average assets | 0.0961% | 4,707 |
| Noninterest expense to average assets | 1.9404% | 3,862 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6780% | 3,811 |
| Return on assets (ROA) | 0.6780% | 3,881 |
| Pretax return on assets | 0.6780% | 4,110 |
| Return on Equity (ROE) | 6.6123% | 3,753 |
| Retained earnings to average equity (ytd only) | 4.4082% | 3,396 |
| Net charge-offs to loans | 0.0087% | 1,813 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 261.0000% | 420 |
| Efficiency ratio | 74.1071% | 1,238 |
| Assets per employee ($millions) | 5.0667% | 3,600 |
| Cash dividends to net income (ytd only)* | 33.3333% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7701% | 4,415 |
| 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 | 31.5351% | 4,603 |
| Net loans and leases to deposits | 36.4695% | 4,619 |
| Net loans and leases to core deposits | 36.4695% | 4,658 |
| Total domestic deposits to total assets | 86.4699% | 2,562 |
| Equity capital to assets | 10.4828% | 2,408 |
| Core capital (leverage) ratio | 10.0882% | 2,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1875% | 679 |
| Memoranda: | ||
| Average total assets | $76,995,667 | 4,336 |
| Average earning assets | $74,365,667 | 4,284 |
| Average equity | $7,894,333 | 4,424 |
| Average total loans | $23,111,667 | 4,609 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0361% | 4,011 |
| Cost of funding earning assets | 0.4399% | 1,803 |
| Net interest margin | 2.5963% | 4,162 |
| Noninterest income to average assets | 0.1136% | 4,626 |
| Noninterest expense to average assets | 1.9150% | 3,952 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6968% | 3,712 |
| Return on assets (ROA) | 0.6968% | 3,776 |
| Pretax return on assets | 0.6968% | 4,025 |
| Return on Equity (ROE) | 6.8720% | 3,639 |
| Retained earnings to average equity (ytd only) | 4.6831% | 3,321 |
| Net charge-offs to loans | 0.0177% | 1,394 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 521 |
| Efficiency ratio | 73.3202% | 1,368 |
| Assets per employee ($millions) | 5.4449% | 3,169 |
| Cash dividends to net income (ytd only)* | 31.8519% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8415% | 4,319 |
| 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 | 26.8360% | 4,775 |
| Net loans and leases to deposits | 29.7246% | 4,798 |
| Net loans and leases to core deposits | 29.7246% | 4,817 |
| Total domestic deposits to total assets | 90.2821% | 680 |
| Equity capital to assets | 9.5085% | 3,199 |
| Core capital (leverage) ratio | 9.8576% | 2,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0442% | 783 |
| Memoranda: | ||
| Average total assets | $77,493,000 | 4,345 |
| Average earning assets | $74,569,000 | 4,294 |
| Average equity | $7,858,000 | 4,443 |
| Average total loans | $22,591,000 | 4,643 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1298% | 4,531 |
| Cost of funding earning assets | 0.5359% | 2,712 |
| Net interest margin | 2.5939% | 4,507 |
| Noninterest income to average assets | 0.1050% | 4,728 |
| Noninterest expense to average assets | 2.1930% | 3,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3281% | 4,396 |
| Return on assets (ROA) | 0.3281% | 4,459 |
| Pretax return on assets | 0.3893% | 4,441 |
| Return on Equity (ROE) | 2.8334% | 4,419 |
| Retained earnings to average equity (ytd only) | 0.6422% | 4,329 |
| Net charge-offs to loans | -0.0214% | 4,442 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9238% | 571 |
| Assets per employee ($millions) | 4.8875% | 3,518 |
| Cash dividends to net income (ytd only)* | 77.3333% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 4,404 |
| 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 | 31.2241% | 4,727 |
| Net loans and leases to deposits | 35.1154% | 4,763 |
| Net loans and leases to core deposits | 35.3868% | 4,787 |
| Total domestic deposits to total assets | 88.9186% | 1,019 |
| Equity capital to assets | 10.8441% | 2,391 |
| Core capital (leverage) ratio | 10.6848% | 2,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1140% | 889 |
| Memoranda: | ||
| Average total assets | $68,580,400 | 4,406 |
| Average earning assets | $65,500,200 | 4,364 |
| Average equity | $7,941,000 | 4,429 |
| Average total loans | $23,313,800 | 4,658 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2036% | 4,584 |
| Cost of funding earning assets | 0.5484% | 2,942 |
| Net interest margin | 2.6552% | 4,522 |
| Noninterest income to average assets | 0.1128% | 4,714 |
| Noninterest expense to average assets | 2.1919% | 3,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3976% | 4,267 |
| Return on assets (ROA) | 0.3976% | 4,336 |
| Pretax return on assets | 0.4590% | 4,364 |
| Return on Equity (ROE) | 3.3758% | 4,321 |
| Retained earnings to average equity (ytd only) | 1.1924% | 4,183 |
| Net charge-offs to loans | -0.0285% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6866% | 699 |
| Assets per employee ($millions) | 4.7129% | 3,581 |
| Cash dividends to net income (ytd only)* | 64.6766% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7963% | 4,364 |
| 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 | 32.9566% | 4,769 |
| Net loans and leases to deposits | 37.2756% | 4,805 |
| Net loans and leases to core deposits | 37.5762% | 4,827 |
| Total domestic deposits to total assets | 88.4133% | 1,006 |
| Equity capital to assets | 11.2967% | 2,152 |
| Core capital (leverage) ratio | 11.2317% | 1,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2719% | 871 |
| Memoranda: | ||
| Average total assets | $67,397,500 | 4,434 |
| Average earning assets | $64,425,750 | 4,396 |
| Average equity | $7,938,750 | 4,452 |
| Average total loans | $23,372,750 | 4,684 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2536% | 4,679 |
| Cost of funding earning assets | 0.5676% | 3,138 |
| Net interest margin | 2.6860% | 4,570 |
| Noninterest income to average assets | 0.1237% | 4,684 |
| Noninterest expense to average assets | 2.2112% | 3,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4042% | 4,226 |
| Return on assets (ROA) | 0.4042% | 4,286 |
| Pretax return on assets | 0.4676% | 4,305 |
| Return on Equity (ROE) | 3.3826% | 4,263 |
| Retained earnings to average equity (ytd only) | 1.1864% | 4,042 |
| Net charge-offs to loans | -0.0343% | 4,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5450% | 724 |
| Assets per employee ($millions) | 4.5581% | 3,712 |
| Cash dividends to net income (ytd only)* | 64.9254% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7958% | 4,353 |
| 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 | 33.9120% | 4,782 |
| Net loans and leases to deposits | 38.5137% | 4,823 |
| Net loans and leases to core deposits | 38.8362% | 4,843 |
| Total domestic deposits to total assets | 88.0520% | 1,146 |
| Equity capital to assets | 11.6497% | 1,870 |
| Core capital (leverage) ratio | 11.4936% | 1,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1005% | 762 |
| Memoranda: | ||
| Average total assets | $66,299,000 | 4,453 |
| Average earning assets | $63,068,333 | 4,419 |
| Average equity | $7,923,000 | 4,465 |
| Average total loans | $23,335,333 | 4,706 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3813% | 4,749 |
| Cost of funding earning assets | 0.6154% | 3,361 |
| Net interest margin | 2.7660% | 4,604 |
| Noninterest income to average assets | 0.1777% | 4,479 |
| Noninterest expense to average assets | 2.2065% | 3,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5210% | 3,840 |
| Return on assets (ROA) | 0.5210% | 3,897 |
| Pretax return on assets | 0.5884% | 3,939 |
| Return on Equity (ROE) | 4.3027% | 3,871 |
| Retained earnings to average equity (ytd only) | 2.1260% | 3,395 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9474% | 1,243 |
| Assets per employee ($millions) | 4.5428% | 3,206 |
| Cash dividends to net income (ytd only)* | 50.5882% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8152% | 4,374 |
| 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 | 32.4968% | 4,854 |
| Net loans and leases to deposits | 36.8710% | 4,896 |
| Net loans and leases to core deposits | 37.1806% | 4,912 |
| Total domestic deposits to total assets | 88.1365% | 1,049 |
| Equity capital to assets | 11.6653% | 2,319 |
| Core capital (leverage) ratio | 11.6169% | 1,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1783% | 840 |
| Memoranda: | ||
| Average total assets | $65,263,000 | 4,478 |
| Average earning assets | $61,750,500 | 4,456 |
| Average equity | $7,902,000 | 4,492 |
| Average total loans | $23,317,000 | 4,737 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6781% | 4,698 |
| Cost of funding earning assets | 0.6066% | 3,611 |
| Net interest margin | 3.0715% | 4,415 |
| Noninterest income to average assets | 0.1441% | 4,757 |
| Noninterest expense to average assets | 2.3605% | 3,804 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6348% | 4,058 |
| Return on assets (ROA) | 0.6348% | 4,126 |
| Pretax return on assets | 0.7013% | 4,208 |
| Return on Equity (ROE) | 5.2106% | 4,158 |
| Retained earnings to average equity (ytd only) | 2.9497% | 3,556 |
| Net charge-offs to loans | 0.0249% | 2,903 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 73.8333% | 847 |
| Efficiency ratio | 77.0941% | 1,256 |
| Assets per employee ($millions) | 4.1589% | 3,683 |
| Cash dividends to net income (ytd only)* | 43.3915% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7487% | 4,457 |
| 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 | 38.6734% | 4,781 |
| Net loans and leases to deposits | 44.3835% | 4,820 |
| Net loans and leases to core deposits | 44.7956% | 4,857 |
| Total domestic deposits to total assets | 87.1345% | 1,545 |
| Equity capital to assets | 12.5914% | 1,772 |
| Core capital (leverage) ratio | 12.8103% | 1,329 |
| Tier 1 risk-based capital ratio | 20.8159% | 1,200 |
| Total risk-based capital ratio | 21.3181% | 1,289 |
| Memoranda: | ||
| Average total assets | $63,165,400 | 4,546 |
| Average earning assets | $60,003,200 | 4,511 |
| Average equity | $7,695,800 | 4,543 |
| Average total loans | $24,084,000 | 4,781 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6797% | 4,803 |
| Cost of funding earning assets | 0.6045% | 3,679 |
| Net interest margin | 3.0752% | 4,517 |
| Noninterest income to average assets | 0.1536% | 4,780 |
| Noninterest expense to average assets | 2.2726% | 4,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7491% | 3,854 |
| Return on assets (ROA) | 0.7491% | 3,914 |
| Pretax return on assets | 0.8144% | 4,090 |
| Return on Equity (ROE) | 6.1997% | 3,984 |
| Retained earnings to average equity (ytd only) | 3.9184% | 3,442 |
| Net charge-offs to loans | 0.0333% | 2,405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 64.4988% | 1,015 |
| Efficiency ratio | 73.6196% | 1,627 |
| Assets per employee ($millions) | 3.9897% | 3,921 |
| Cash dividends to net income (ytd only)* | 36.7976% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7436% | 4,564 |
| 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 | 40.5925% | 4,797 |
| Net loans and leases to deposits | 47.1956% | 4,840 |
| Net loans and leases to core deposits | 50.2202% | 4,828 |
| Total domestic deposits to total assets | 86.0091% | 1,992 |
| Equity capital to assets | 13.1354% | 1,548 |
| Core capital (leverage) ratio | 13.0173% | 1,334 |
| Tier 1 risk-based capital ratio | 21.9406% | 1,077 |
| Total risk-based capital ratio | 22.4697% | 1,149 |
| Memoranda: | ||
| Average total assets | $63,360,750 | 4,594 |
| Average earning assets | $60,438,250 | 4,562 |
| Average equity | $7,656,000 | 4,605 |
| Average total loans | $24,028,000 | 4,853 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6491% | 4,883 |
| Cost of funding earning assets | 0.5920% | 3,689 |
| Net interest margin | 3.0571% | 4,603 |
| Noninterest income to average assets | 0.1519% | 4,821 |
| Noninterest expense to average assets | 2.2469% | 4,135 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7686% | 3,759 |
| Return on assets (ROA) | 0.7686% | 3,825 |
| Pretax return on assets | 0.8337% | 4,013 |
| Return on Equity (ROE) | 6.5369% | 3,864 |
| Retained earnings to average equity (ytd only) | 4.2437% | 3,128 |
| Net charge-offs to loans | 0.0419% | 2,059 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 53.8000% | 1,046 |
| Efficiency ratio | 72.9376% | 1,786 |
| Assets per employee ($millions) | 3.9933% | 3,868 |
| Cash dividends to net income (ytd only)* | 35.0806% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7837% | 4,498 |
| Loan loss allowance to noncurrent loans | 3,660.0000% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 4,762 |
| Noncurrent loans to loans | 0.0214% | 4,620 |
| Net loans and leases to total assets | 38.6795% | 4,884 |
| Net loans and leases to deposits | 45.9931% | 4,905 |
| Net loans and leases to core deposits | 49.0090% | 4,883 |
| Total domestic deposits to total assets | 84.0985% | 2,815 |
| Equity capital to assets | 13.0234% | 1,577 |
| Core capital (leverage) ratio | 12.1817% | 1,709 |
| Tier 1 risk-based capital ratio | 22.2003% | 1,030 |
| Total risk-based capital ratio | 22.7430% | 1,098 |
| Memoranda: | ||
| Average total assets | $64,532,330 | 4,617 |
| Average earning assets | $61,823,670 | 4,572 |
| Average equity | $7,587,670 | 4,639 |
| Average total loans | $23,879,000 | 4,890 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5797% | 4,982 |
| Cost of funding earning assets | 0.5883% | 3,635 |
| Net interest margin | 2.9914% | 4,764 |
| Noninterest income to average assets | 0.1616% | 4,770 |
| Noninterest expense to average assets | 2.1063% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8497% | 3,455 |
| Return on assets (ROA) | 0.8497% | 3,500 |
| Pretax return on assets | 0.9155% | 3,718 |
| Return on Equity (ROE) | 7.5926% | 3,423 |
| Retained earnings to average equity (ytd only) | 5.2934% | 2,778 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7030% | 2,392 |
| Assets per employee ($millions) | 4.5109% | 3,174 |
| Cash dividends to net income (ytd only)* | 30.2817% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8020% | 4,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 34.3644% | 5,059 |
| Net loans and leases to deposits | 38.8057% | 5,098 |
| Net loans and leases to core deposits | 40.9229% | 5,096 |
| Total domestic deposits to total assets | 88.5550% | 1,056 |
| Equity capital to assets | 11.2247% | 2,629 |
| Core capital (leverage) ratio | 11.5950% | 2,058 |
| Tier 1 risk-based capital ratio | 21.3945% | 1,118 |
| Total risk-based capital ratio | 21.9363% | 1,191 |
| Memoranda: | ||
| Average total assets | $66,848,500 | 4,622 |
| Average earning assets | $63,916,000 | 4,582 |
| Average equity | $7,481,000 | 4,683 |
| Average total loans | $24,142,500 | 4,934 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5969% | 4,803 |
| Cost of funding earning assets | 0.4823% | 3,463 |
| Net interest margin | 3.1145% | 4,627 |
| Noninterest income to average assets | 0.1636% | 4,903 |
| Noninterest expense to average assets | 2.2900% | 4,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7628% | 3,931 |
| Return on assets (ROA) | 0.7628% | 3,934 |
| Pretax return on assets | 0.8289% | 4,094 |
| Return on Equity (ROE) | 6.7382% | 3,914 |
| Retained earnings to average equity (ytd only) | 4.3208% | 3,167 |
| Net charge-offs to loans | 0.0122% | 3,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 175.6667% | 497 |
| Efficiency ratio | 73.4241% | 1,707 |
| Assets per employee ($millions) | 4.1271% | 3,706 |
| Cash dividends to net income (ytd only)* | 35.8763% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7567% | 4,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 37.3399% | 5,035 |
| Net loans and leases to deposits | 42.1588% | 5,075 |
| Net loans and leases to core deposits | 46.1500% | 5,034 |
| Total domestic deposits to total assets | 88.5695% | 1,041 |
| Equity capital to assets | 11.1564% | 2,546 |
| Core capital (leverage) ratio | 12.0274% | 1,720 |
| Tier 1 risk-based capital ratio | 19.1467% | 1,489 |
| Total risk-based capital ratio | 19.6387% | 1,600 |
| Memoranda: | ||
| Average total assets | $63,581,000 | 4,693 |
| Average earning assets | $60,329,800 | 4,659 |
| Average equity | $7,197,800 | 4,719 |
| Average total loans | $24,524,800 | 4,955 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5907% | 4,822 |
| Cost of funding earning assets | 0.4461% | 3,551 |
| Net interest margin | 3.1447% | 4,624 |
| Noninterest income to average assets | 0.1673% | 4,948 |
| Noninterest expense to average assets | 2.2784% | 4,151 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8067% | 3,878 |
| Return on assets (ROA) | 0.8067% | 3,883 |
| Pretax return on assets | 0.8745% | 4,102 |
| Return on Equity (ROE) | 7.0993% | 3,899 |
| Retained earnings to average equity (ytd only) | 4.6584% | 3,417 |
| Net charge-offs to loans | 0.0164% | 2,846 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 137.6625% | 587 |
| Efficiency ratio | 72.2633% | 1,840 |
| Assets per employee ($millions) | 3.9618% | 3,949 |
| Cash dividends to net income (ytd only)* | 34.3826% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7870% | 4,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 37.3904% | 5,098 |
| Net loans and leases to deposits | 42.3051% | 5,147 |
| Net loans and leases to core deposits | 46.5036% | 5,096 |
| Total domestic deposits to total assets | 88.3827% | 1,090 |
| Equity capital to assets | 11.3192% | 2,385 |
| Core capital (leverage) ratio | 12.0293% | 1,769 |
| Tier 1 risk-based capital ratio | 21.1741% | 1,163 |
| Total risk-based capital ratio | 21.7226% | 1,227 |
| Memoranda: | ||
| Average total assets | $62,967,750 | 4,750 |
| Average earning assets | $59,781,750 | 4,718 |
| Average equity | $7,155,500 | 4,772 |
| Average total loans | $24,444,750 | 5,012 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5630% | 4,831 |
| Cost of funding earning assets | 0.3933% | 3,771 |
| Net interest margin | 3.1698% | 4,577 |
| Noninterest income to average assets | 0.1751% | 4,945 |
| Noninterest expense to average assets | 2.2633% | 4,228 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8468% | 3,690 |
| Return on assets (ROA) | 0.8468% | 3,690 |
| Pretax return on assets | 0.9136% | 3,925 |
| Return on Equity (ROE) | 7.4416% | 3,752 |
| Retained earnings to average equity (ytd only) | 5.0077% | 3,072 |
| Net charge-offs to loans | 0.0244% | 2,374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 95.6667% | 718 |
| Efficiency ratio | 71.2425% | 2,124 |
| Assets per employee ($millions) | 3.8183% | 4,180 |
| Cash dividends to net income (ytd only)* | 32.7068% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7875% | 4,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 38.7688% | 5,101 |
| Net loans and leases to deposits | 46.5535% | 5,076 |
| Net loans and leases to core deposits | 46.5535% | 5,134 |
| Total domestic deposits to total assets | 83.2780% | 3,337 |
| Equity capital to assets | 11.7378% | 2,029 |
| Core capital (leverage) ratio | 12.1719% | 1,604 |
| Tier 1 risk-based capital ratio | 21.1717% | 1,145 |
| Total risk-based capital ratio | 21.7255% | 1,228 |
| Memoranda: | ||
| Average total assets | $62,827,670 | 4,807 |
| Average earning assets | $59,499,670 | 4,780 |
| Average equity | $7,149,000 | 4,826 |
| Average total loans | $24,630,000 | 5,068 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5189% | 4,845 |
| Cost of funding earning assets | 0.3813% | 3,726 |
| Net interest margin | 3.1376% | 4,624 |
| Noninterest income to average assets | 0.1821% | 4,938 |
| Noninterest expense to average assets | 2.1226% | 4,610 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9357% | 3,128 |
| Return on assets (ROA) | 0.9357% | 3,146 |
| Pretax return on assets | 1.0048% | 3,515 |
| Return on Equity (ROE) | 8.3497% | 3,220 |
| Retained earnings to average equity (ytd only) | 5.9400% | 2,734 |
| Net charge-offs to loans | 0.0160% | 2,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 160.0000% | 409 |
| Efficiency ratio | 67.8715% | 2,849 |
| Assets per employee ($millions) | 4.0446% | 3,904 |
| Cash dividends to net income (ytd only)* | 28.8591% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 4,827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 3,315 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 37.1805% | 5,169 |
| Net loans and leases to deposits | 41.8649% | 5,225 |
| Net loans and leases to core deposits | 41.8649% | 5,269 |
| Total domestic deposits to total assets | 88.8108% | 1,202 |
| Equity capital to assets | 10.9992% | 2,579 |
| Core capital (leverage) ratio | 11.8088% | 1,774 |
| Tier 1 risk-based capital ratio | 19.2452% | 1,494 |
| Total risk-based capital ratio | 19.7590% | 1,654 |
| Memoranda: | ||
| Average total assets | $63,695,000 | 4,855 |
| Average earning assets | $59,791,500 | 4,833 |
| Average equity | $7,138,000 | 4,876 |
| Average total loans | $25,008,500 | 5,106 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5165% | 4,765 |
| Cost of funding earning assets | 0.3639% | 3,577 |
| Net interest margin | 3.1525% | 4,566 |
| Noninterest income to average assets | 0.1563% | 5,180 |
| Noninterest expense to average assets | 2.2892% | 4,362 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7538% | 3,374 |
| Return on assets (ROA) | 0.7436% | 3,455 |
| Pretax return on assets | 0.8099% | 4,216 |
| Return on Equity (ROE) | 6.6667% | 3,445 |
| Retained earnings to average equity (ytd only) | 4.2604% | 2,605 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6041% | 1,961 |
| Assets per employee ($millions) | 3.9173% | 4,096 |
| Cash dividends to net income (ytd only)* | 36.0934% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7413% | 4,976 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 3,295 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 40.8051% | 5,101 |
| Net loans and leases to deposits | 47.4323% | 5,146 |
| Net loans and leases to core deposits | 47.4323% | 5,210 |
| Total domestic deposits to total assets | 86.0281% | 2,421 |
| Equity capital to assets | 11.4206% | 2,259 |
| Core capital (leverage) ratio | 11.9165% | 1,656 |
| Tier 1 risk-based capital ratio | 18.6305% | 1,610 |
| Total risk-based capital ratio | 19.1384% | 1,779 |
| Memoranda: | ||
| Average total assets | $63,341,000 | 4,892 |
| Average earning assets | $59,349,600 | 4,873 |
| Average equity | $7,065,000 | 4,929 |
| Average total loans | $24,767,200 | 5,166 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4811% | 4,842 |
| Cost of funding earning assets | 0.3568% | 3,601 |
| Net interest margin | 3.1243% | 4,642 |
| Noninterest income to average assets | 0.1596% | 5,222 |
| Noninterest expense to average assets | 2.2128% | 4,497 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8603% | 3,227 |
| Return on assets (ROA) | 0.8461% | 3,338 |
| Pretax return on assets | 0.8734% | 4,131 |
| Return on Equity (ROE) | 7.6305% | 3,331 |
| Retained earnings to average equity (ytd only) | 5.2258% | 2,722 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3609% | 2,309 |
| Assets per employee ($millions) | 3.7234% | 4,417 |
| Cash dividends to net income (ytd only)* | 31.5138% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8160% | 4,850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5573% | 2,853 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 38.9694% | 5,234 |
| Net loans and leases to deposits | 45.0350% | 5,285 |
| Net loans and leases to core deposits | 45.0350% | 5,340 |
| Total domestic deposits to total assets | 86.5313% | 2,087 |
| Equity capital to assets | 12.1007% | 1,900 |
| Core capital (leverage) ratio | 11.7536% | 1,846 |
| Tier 1 risk-based capital ratio | 19.6260% | 1,451 |
| Total risk-based capital ratio | 20.1638% | 1,569 |
| Memoranda: | ||
| Average total assets | $63,507,250 | 4,943 |
| Average earning assets | $59,788,250 | 4,917 |
| Average equity | $7,041,750 | 4,987 |
| Average total loans | $24,517,500 | 5,226 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4256% | 4,923 |
| Cost of funding earning assets | 0.3386% | 3,707 |
| Net interest margin | 3.0870% | 4,716 |
| Noninterest income to average assets | 0.1604% | 5,249 |
| Noninterest expense to average assets | 2.1537% | 4,658 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8763% | 3,037 |
| Return on assets (ROA) | 0.8763% | 3,094 |
| Pretax return on assets | 0.9041% | 3,921 |
| Return on Equity (ROE) | 8.1305% | 2,948 |
| Retained earnings to average equity (ytd only) | 5.6971% | 2,295 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4339% | 2,595 |
| Assets per employee ($millions) | 4.0325% | 3,904 |
| Cash dividends to net income (ytd only)* | 29.9296% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7972% | 4,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5146% | 3,051 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 36.8397% | 5,346 |
| Net loans and leases to deposits | 46.2558% | 5,276 |
| Net loans and leases to core deposits | 46.2558% | 5,335 |
| Total domestic deposits to total assets | 79.6435% | 4,492 |
| Equity capital to assets | 11.0818% | 2,723 |
| Core capital (leverage) ratio | 11.1988% | 2,222 |
| Tier 1 risk-based capital ratio | 18.8749% | 1,616 |
| Total risk-based capital ratio | 19.3977% | 1,771 |
| Memoranda: | ||
| Average total assets | $64,818,000 | 4,958 |
| Average earning assets | $60,835,670 | 4,929 |
| Average equity | $6,986,000 | 5,026 |
| Average total loans | $24,887,670 | 5,251 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3402% | 5,050 |
| Cost of funding earning assets | 0.3392% | 3,638 |
| Net interest margin | 3.0010% | 4,891 |
| Noninterest income to average assets | 0.1847% | 5,172 |
| Noninterest expense to average assets | 2.1426% | 4,768 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8497% | 2,993 |
| Return on assets (ROA) | 0.8497% | 3,035 |
| Pretax return on assets | 0.8743% | 3,851 |
| Return on Equity (ROE) | 7.9954% | 2,923 |
| Retained earnings to average equity (ytd only) | 5.5620% | 2,559 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0204% | 2,730 |
| Assets per employee ($millions) | 4.1568% | 3,747 |
| Cash dividends to net income (ytd only)* | 30.4348% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7645% | 5,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4992% | 3,222 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 37.2782% | 5,357 |
| Net loans and leases to deposits | 41.7061% | 5,422 |
| Net loans and leases to core deposits | 41.7061% | 5,478 |
| Total domestic deposits to total assets | 89.3832% | 954 |
| Equity capital to assets | 10.4529% | 3,232 |
| Core capital (leverage) ratio | 10.9894% | 2,368 |
| Tier 1 risk-based capital ratio | 17.8323% | 1,930 |
| Total risk-based capital ratio | 18.3338% | 2,112 |
| Memoranda: | ||
| Average total assets | $64,967,000 | 5,005 |
| Average earning assets | $61,313,000 | 4,968 |
| Average equity | $6,904,000 | 5,082 |
| Average total loans | $25,351,500 | 5,287 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5448% | 4,649 |
| Cost of funding earning assets | 0.3754% | 3,257 |
| Net interest margin | 3.1694% | 4,535 |
| Noninterest income to average assets | 0.1647% | 5,389 |
| Noninterest expense to average assets | 2.5488% | 3,844 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5677% | 4,356 |
| Return on assets (ROA) | 0.6435% | 4,136 |
| Pretax return on assets | 0.6737% | 4,571 |
| Return on Equity (ROE) | 5.5519% | 4,184 |
| Retained earnings to average equity (ytd only) | 3.0876% | 3,704 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0796% | 1,294 |
| Assets per employee ($millions) | 3.9641% | 4,037 |
| Cash dividends to net income (ytd only)* | 44.3864% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7426% | 5,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5234% | 3,171 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 40.2485% | 5,304 |
| Net loans and leases to deposits | 45.2303% | 5,392 |
| Net loans and leases to core deposits | 45.2303% | 5,460 |
| Total domestic deposits to total assets | 88.9856% | 1,130 |
| Equity capital to assets | 10.8094% | 2,804 |
| Core capital (leverage) ratio | 11.6435% | 1,829 |
| Tier 1 risk-based capital ratio | 17.5912% | 1,978 |
| Total risk-based capital ratio | 18.0927% | 2,163 |
| Memoranda: | ||
| Average total assets | $59,517,800 | 5,154 |
| Average earning assets | $55,940,400 | 5,128 |
| Average equity | $6,898,600 | 5,109 |
| Average total loans | $24,484,000 | 5,375 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5797% | 4,608 |
| Cost of funding earning assets | 0.3814% | 3,212 |
| Net interest margin | 3.1983% | 4,495 |
| Noninterest income to average assets | 0.1640% | 5,448 |
| Noninterest expense to average assets | 2.5349% | 3,882 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6215% | 4,202 |
| Return on assets (ROA) | 0.7243% | 3,857 |
| Pretax return on assets | 0.7539% | 4,462 |
| Return on Equity (ROE) | 6.1366% | 4,007 |
| Retained earnings to average equity (ytd only) | 3.6858% | 3,682 |
| Net charge-offs to loans | -0.0055% | 4,635 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6707% | 1,477 |
| Assets per employee ($millions) | 3.7501% | 4,389 |
| Cash dividends to net income (ytd only)* | 39.9373% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7921% | 5,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5533% | 3,247 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 39.8710% | 5,384 |
| Net loans and leases to deposits | 46.4155% | 5,447 |
| Net loans and leases to core deposits | 46.4155% | 5,499 |
| Total domestic deposits to total assets | 85.9002% | 2,411 |
| Equity capital to assets | 11.6715% | 2,380 |
| Core capital (leverage) ratio | 11.8139% | 1,803 |
| Tier 1 risk-based capital ratio | 18.3401% | 1,821 |
| Total risk-based capital ratio | 18.8647% | 2,000 |
| Memoranda: | ||
| Average total assets | $58,540,750 | 5,216 |
| Average earning assets | $55,236,000 | 5,188 |
| Average equity | $6,909,250 | 5,163 |
| Average total loans | $24,175,250 | 5,438 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5893% | 4,622 |
| Cost of funding earning assets | 0.3811% | 3,241 |
| Net interest margin | 3.2082% | 4,516 |
| Noninterest income to average assets | 0.1723% | 5,462 |
| Noninterest expense to average assets | 2.5080% | 4,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6853% | 3,871 |
| Return on assets (ROA) | 0.7889% | 3,512 |
| Pretax return on assets | 0.8165% | 4,227 |
| Return on Equity (ROE) | 6.6589% | 3,717 |
| Retained earnings to average equity (ytd only) | 4.1873% | 3,241 |
| Net charge-offs to loans | -0.0083% | 4,645 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9443% | 1,801 |
| Assets per employee ($millions) | 3.5740% | 4,643 |
| Cash dividends to net income (ytd only)* | 37.1179% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7883% | 5,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5806% | 3,285 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 42.0362% | 5,338 |
| Net loans and leases to deposits | 48.7824% | 5,392 |
| Net loans and leases to core deposits | 48.7824% | 5,472 |
| Total domestic deposits to total assets | 86.1710% | 2,344 |
| Equity capital to assets | 12.2080% | 1,965 |
| Core capital (leverage) ratio | 11.7216% | 1,831 |
| Tier 1 risk-based capital ratio | 19.2939% | 1,631 |
| Total risk-based capital ratio | 19.8495% | 1,742 |
| Memoranda: | ||
| Average total assets | $58,054,000 | 5,286 |
| Average earning assets | $55,108,670 | 5,247 |
| Average equity | $6,878,000 | 5,219 |
| Average total loans | $24,195,670 | 5,494 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6050% | 4,602 |
| Cost of funding earning assets | 0.3989% | 3,079 |
| Net interest margin | 3.2061% | 4,563 |
| Noninterest income to average assets | 0.1915% | 5,357 |
| Noninterest expense to average assets | 2.4141% | 4,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7825% | 3,337 |
| Return on assets (ROA) | 0.9233% | 2,741 |
| Pretax return on assets | 0.9438% | 3,679 |
| Return on Equity (ROE) | 7.9103% | 2,965 |
| Retained earnings to average equity (ytd only) | 5.4494% | 2,686 |
| Net charge-offs to loans | -0.0165% | 4,772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1064% | 2,309 |
| Assets per employee ($millions) | 3.6249% | 4,603 |
| Cash dividends to net income (ytd only)* | 31.1111% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7969% | 5,365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6121% | 3,235 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 40.9945% | 5,401 |
| Net loans and leases to deposits | 46.6342% | 5,479 |
| Net loans and leases to core deposits | 46.6342% | 5,564 |
| Total domestic deposits to total assets | 87.9065% | 1,693 |
| Equity capital to assets | 11.8918% | 2,101 |
| Core capital (leverage) ratio | 11.6036% | 1,903 |
| Tier 1 risk-based capital ratio | 18.5507% | 1,840 |
| Total risk-based capital ratio | 19.0890% | 1,992 |
| Memoranda: | ||
| Average total assets | $58,489,000 | 5,330 |
| Average earning assets | $55,145,000 | 5,293 |
| Average equity | $6,826,500 | 5,268 |
| Average total loans | $24,179,000 | 5,545 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5540% | 4,794 |
| Cost of funding earning assets | 0.4277% | 2,865 |
| Net interest margin | 3.1263% | 4,843 |
| Noninterest income to average assets | 0.1455% | 5,684 |
| Noninterest expense to average assets | 2.3884% | 4,541 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7029% | 3,798 |
| Return on assets (ROA) | 0.7242% | 3,797 |
| Pretax return on assets | 0.7376% | 4,410 |
| Return on Equity (ROE) | 6.5598% | 3,750 |
| Retained earnings to average equity (ytd only) | 3.9844% | 3,194 |
| Net charge-offs to loans | -0.0085% | 5,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9397% | 2,125 |
| Assets per employee ($millions) | 3.9320% | 4,059 |
| Cash dividends to net income (ytd only)* | 39.2610% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7790% | 5,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6426% | 3,130 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 41.0326% | 5,463 |
| Net loans and leases to deposits | 46.5216% | 5,540 |
| Net loans and leases to core deposits | 46.5216% | 5,625 |
| Total domestic deposits to total assets | 88.2011% | 1,537 |
| Equity capital to assets | 11.4547% | 2,394 |
| Core capital (leverage) ratio | 11.4874% | 1,970 |
| Tier 1 risk-based capital ratio | 17.9557% | 1,976 |
| Total risk-based capital ratio | 18.4807% | 2,163 |
| Memoranda: | ||
| Average total assets | $59,789,400 | 5,326 |
| Average earning assets | $56,584,400 | 5,277 |
| Average equity | $6,600,800 | 5,326 |
| Average total loans | $23,470,200 | 5,608 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5264% | 4,924 |
| Cost of funding earning assets | 0.4314% | 2,887 |
| Net interest margin | 3.0950% | 4,977 |
| Noninterest income to average assets | 0.1467% | 5,748 |
| Noninterest expense to average assets | 2.3692% | 4,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7112% | 3,856 |
| Return on assets (ROA) | 0.7356% | 3,841 |
| Pretax return on assets | 0.7356% | 4,551 |
| Return on Equity (ROE) | 6.7254% | 3,770 |
| Retained earnings to average equity (ytd only) | 4.1449% | 3,518 |
| Net charge-offs to loans | -0.0115% | 5,036 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9120% | 2,104 |
| Assets per employee ($millions) | 3.8833% | 4,116 |
| Cash dividends to net income (ytd only)* | 38.3690% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8058% | 5,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6901% | 3,181 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 40.1545% | 5,582 |
| Net loans and leases to deposits | 46.5584% | 5,629 |
| Net loans and leases to core deposits | 46.5584% | 5,715 |
| Total domestic deposits to total assets | 86.2455% | 2,416 |
| Equity capital to assets | 11.4850% | 2,521 |
| Core capital (leverage) ratio | 11.3934% | 2,122 |
| Tier 1 risk-based capital ratio | 18.1399% | 1,994 |
| Total risk-based capital ratio | 18.6729% | 2,163 |
| Memoranda: | ||
| Average total assets | $59,991,750 | 5,388 |
| Average earning assets | $56,864,750 | 5,340 |
| Average equity | $6,562,000 | 5,401 |
| Average total loans | $23,240,000 | 5,685 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4867% | 5,023 |
| Cost of funding earning assets | 0.4402% | 2,839 |
| Net interest margin | 3.0465% | 5,102 |
| Noninterest income to average assets | 0.1552% | 5,776 |
| Noninterest expense to average assets | 2.3278% | 4,775 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7066% | 3,857 |
| Return on assets (ROA) | 0.7330% | 3,834 |
| Pretax return on assets | 0.7330% | 4,551 |
| Return on Equity (ROE) | 6.8105% | 3,720 |
| Retained earnings to average equity (ytd only) | 4.2029% | 3,358 |
| Net charge-offs to loans | -0.0173% | 5,118 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7138% | 2,245 |
| Assets per employee ($millions) | 3.8599% | 4,149 |
| Cash dividends to net income (ytd only)* | 38.2883% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8078% | 5,582 |
| Loan loss allowance to noncurrent loans | 452.3810% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.8066% | 2,967 |
| Noncurrent loans to loans | 0.1786% | 5,063 |
| Net loans and leases to total assets | 40.2943% | 5,611 |
| Net loans and leases to deposits | 45.6896% | 5,695 |
| Net loans and leases to core deposits | 45.6896% | 5,781 |
| Total domestic deposits to total assets | 88.1915% | 1,553 |
| Equity capital to assets | 11.3957% | 2,499 |
| Core capital (leverage) ratio | 11.3833% | 2,086 |
| Tier 1 risk-based capital ratio | 19.1858% | 1,755 |
| Total risk-based capital ratio | 19.7540% | 1,887 |
| Memoranda: | ||
| Average total assets | $60,572,330 | 5,433 |
| Average earning assets | $57,245,670 | 5,389 |
| Average equity | $6,519,330 | 5,449 |
| Average total loans | $23,126,670 | 5,740 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4405% | 5,116 |
| Cost of funding earning assets | 0.4670% | 2,590 |
| Net interest margin | 2.9735% | 5,286 |
| Noninterest income to average assets | 0.1615% | 5,772 |
| Noninterest expense to average assets | 2.2614% | 4,969 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6978% | 3,811 |
| Return on assets (ROA) | 0.7366% | 3,739 |
| Pretax return on assets | 0.7366% | 4,476 |
| Return on Equity (ROE) | 7.0370% | 3,489 |
| Retained earnings to average equity (ytd only) | 4.4444% | 3,353 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4192% | 2,444 |
| Assets per employee ($millions) | 4.0163% | 3,927 |
| Cash dividends to net income (ytd only)* | 36.8421% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8553% | 5,552 |
| Loan loss allowance to noncurrent loans | 447.6190% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.7752% | 3,171 |
| Noncurrent loans to loans | 0.1911% | 5,101 |
| Net loans and leases to total assets | 36.1740% | 5,819 |
| Net loans and leases to deposits | 40.7064% | 5,889 |
| Net loans and leases to core deposits | 40.7064% | 5,949 |
| Total domestic deposits to total assets | 88.8655% | 1,353 |
| Equity capital to assets | 10.9171% | 3,070 |
| Core capital (leverage) ratio | 10.7849% | 2,643 |
| Tier 1 risk-based capital ratio | 18.5679% | 1,983 |
| Total risk-based capital ratio | 19.1201% | 2,135 |
| Memoranda: | ||
| Average total assets | $61,909,000 | 5,455 |
| Average earning assets | $58,248,000 | 5,408 |
| Average equity | $6,480,000 | 5,500 |
| Average total loans | $22,930,000 | 5,789 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4403% | 5,447 |
| Cost of funding earning assets | 0.5453% | 2,242 |
| Net interest margin | 2.8950% | 5,656 |
| Noninterest income to average assets | 0.1461% | 5,965 |
| Noninterest expense to average assets | 2.3586% | 4,952 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5236% | 4,711 |
| Return on assets (ROA) | 0.5449% | 4,702 |
| Pretax return on assets | 0.5449% | 5,119 |
| Return on Equity (ROE) | 5.4321% | 4,439 |
| Retained earnings to average equity (ytd only) | 2.6506% | 4,356 |
| Net charge-offs to loans | 0.0048% | 4,856 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 319.0000% | 174 |
| Efficiency ratio | 81.8337% | 1,682 |
| Assets per employee ($millions) | 4.2382% | 3,462 |
| Cash dividends to net income (ytd only)* | 51.2048% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7873% | 5,808 |
| Loan loss allowance to noncurrent loans | 458.5366% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.7330% | 3,376 |
| Noncurrent loans to loans | 0.1717% | 5,209 |
| Net loans and leases to total assets | 37.2658% | 5,891 |
| Net loans and leases to deposits | 45.6985% | 5,806 |
| Net loans and leases to core deposits | 45.6985% | 5,905 |
| Total domestic deposits to total assets | 81.5472% | 4,579 |
| Equity capital to assets | 10.0404% | 4,058 |
| Core capital (leverage) ratio | 10.3963% | 3,066 |
| Tier 1 risk-based capital ratio | 17.6005% | 2,278 |
| Total risk-based capital ratio | 18.1315% | 2,504 |
| Memoranda: | ||
| Average total assets | $60,925,200 | 5,525 |
| Average earning assets | $57,582,200 | 5,471 |
| Average equity | $6,111,800 | 5,595 |
| Average total loans | $21,031,200 | 5,920 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4108% | 5,577 |
| Cost of funding earning assets | 0.5506% | 2,283 |
| Net interest margin | 2.8603% | 5,778 |
| Noninterest income to average assets | 0.1460% | 6,045 |
| Noninterest expense to average assets | 2.3341% | 5,012 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5243% | 4,778 |
| Return on assets (ROA) | 0.5310% | 4,828 |
| Pretax return on assets | 0.5310% | 5,233 |
| Return on Equity (ROE) | 5.2943% | 4,581 |
| Retained earnings to average equity (ytd only) | 2.4707% | 4,815 |
| Net charge-offs to loans | 0.0065% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 237.5865% | 282 |
| Efficiency ratio | 81.6563% | 1,663 |
| Assets per employee ($millions) | 4.1115% | 3,640 |
| Cash dividends to net income (ytd only)* | 53.3329% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 5,744 |
| Loan loss allowance to noncurrent loans | 458.5366% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.9372% | 3,097 |
| Noncurrent loans to loans | 0.1855% | 5,355 |
| Net loans and leases to total assets | 35.5423% | 6,048 |
| Net loans and leases to deposits | 45.3952% | 5,909 |
| Net loans and leases to core deposits | 45.3952% | 5,979 |
| Total domestic deposits to total assets | 78.2952% | 5,467 |
| Equity capital to assets | 10.0319% | 4,128 |
| Core capital (leverage) ratio | 10.5185% | 3,020 |
| Tier 1 risk-based capital ratio | 18.1242% | 2,171 |
| Total risk-based capital ratio | 18.6752% | 2,384 |
| Memoranda: | ||
| Average total assets | $60,263,250 | 5,603 |
| Average earning assets | $57,149,500 | 5,539 |
| Average equity | $6,044,000 | 5,668 |
| Average total loans | $20,319,250 | 6,015 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3699% | 5,677 |
| Cost of funding earning assets | 0.5616% | 2,245 |
| Net interest margin | 2.8082% | 5,891 |
| Noninterest income to average assets | 0.1505% | 6,054 |
| Noninterest expense to average assets | 2.3514% | 5,018 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4582% | 4,980 |
| Return on assets (ROA) | 0.4582% | 5,051 |
| Pretax return on assets | 0.4582% | 5,397 |
| Return on Equity (ROE) | 4.5695% | 4,881 |
| Retained earnings to average equity (ytd only) | 1.7344% | 5,037 |
| Net charge-offs to loans | 0.0101% | 4,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 137.0000% | 440 |
| Efficiency ratio | 83.6905% | 1,548 |
| Assets per employee ($millions) | 3.9830% | 3,874 |
| Cash dividends to net income (ytd only)* | 62.0438% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 5,642 |
| Loan loss allowance to noncurrent loans | 458.5366% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.9674% | 3,125 |
| Noncurrent loans to loans | 0.2019% | 5,410 |
| Net loans and leases to total assets | 33.6681% | 6,169 |
| Net loans and leases to deposits | 41.4965% | 6,086 |
| Net loans and leases to core deposits | 41.4965% | 6,170 |
| Total domestic deposits to total assets | 81.1348% | 4,938 |
| Equity capital to assets | 10.2653% | 3,739 |
| Core capital (leverage) ratio | 10.6090% | 2,812 |
| Tier 1 risk-based capital ratio | 19.0741% | 1,904 |
| Total risk-based capital ratio | 19.6596% | 2,059 |
| Memoranda: | ||
| Average total assets | $59,793,330 | 5,667 |
| Average earning assets | $56,619,670 | 5,595 |
| Average equity | $5,996,330 | 5,721 |
| Average total loans | $19,723,000 | 6,088 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3202% | 5,804 |
| Cost of funding earning assets | 0.5959% | 2,005 |
| Net interest margin | 2.7242% | 6,073 |
| Noninterest income to average assets | 0.1739% | 5,930 |
| Noninterest expense to average assets | 2.3070% | 5,173 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4347% | 4,996 |
| Return on assets (ROA) | 0.4347% | 5,055 |
| Pretax return on assets | 0.4347% | 5,349 |
| Return on Equity (ROE) | 4.3860% | 4,844 |
| Retained earnings to average equity (ytd only) | 1.4845% | 5,017 |
| Net charge-offs to loans | 0.0412% | 2,808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 998 |
| Efficiency ratio | 84.1463% | 1,654 |
| Assets per employee ($millions) | 4.1945% | 3,536 |
| Cash dividends to net income (ytd only)* | 66.1538% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 5,645 |
| Loan loss allowance to noncurrent loans | 166.9643% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.8535% | 3,596 |
| Noncurrent loans to loans | 0.5796% | 4,424 |
| Net loans and leases to total assets | 30.4174% | 6,338 |
| Net loans and leases to deposits | 33.6984% | 6,380 |
| Net loans and leases to core deposits | 33.6984% | 6,417 |
| Total domestic deposits to total assets | 90.2635% | 931 |
| Equity capital to assets | 9.5092% | 4,487 |
| Core capital (leverage) ratio | 10.5079% | 2,921 |
| Tier 1 risk-based capital ratio | 18.9839% | 1,978 |
| Total risk-based capital ratio | 19.5663% | 2,138 |
| Memoranda: | ||
| Average total assets | $59,817,500 | 5,717 |
| Average earning assets | $56,382,500 | 5,650 |
| Average equity | $5,928,000 | 5,764 |
| Average total loans | $19,433,000 | 6,158 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5917% | 5,425 |
| Cost of funding earning assets | 0.6180% | 2,500 |
| Net interest margin | 2.9737% | 5,636 |
| Noninterest income to average assets | 0.1772% | 6,020 |
| Noninterest expense to average assets | 2.4401% | 4,958 |
| Loan and lease loss provision to assets | 0.0195% | 4,750 |
| Net operating income to assets | 0.5050% | 4,712 |
| Return on assets (ROA) | 0.5050% | 4,843 |
| Pretax return on assets | 0.5227% | 5,133 |
| Return on Equity (ROE) | 4.6816% | 4,791 |
| Retained earnings to average equity (ytd only) | 1.8891% | 4,891 |
| Net charge-offs to loans | 0.0258% | 4,906 |
| Credit loss provision to net charge-offs | 220.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 61.2000% | 676 |
| Efficiency ratio | 81.8182% | 1,902 |
| Assets per employee ($millions) | 3.7811% | 4,304 |
| Cash dividends to net income (ytd only)* | 59.6491% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 5,711 |
| Loan loss allowance to noncurrent loans | 168.7500% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.9468% | 3,534 |
| Noncurrent loans to loans | 0.5732% | 4,549 |
| Net loans and leases to total assets | 34.1203% | 6,294 |
| Net loans and leases to deposits | 38.1538% | 6,357 |
| Net loans and leases to core deposits | 38.1538% | 6,412 |
| Total domestic deposits to total assets | 89.4282% | 1,372 |
| Equity capital to assets | 10.3549% | 3,335 |
| Core capital (leverage) ratio | 11.4117% | 2,025 |
| Tier 1 risk-based capital ratio | 19.4515% | 1,805 |
| Total risk-based capital ratio | 20.0578% | 1,939 |
| Memoranda: | ||
| Average total assets | $56,433,200 | 5,852 |
| Average earning assets | $53,233,400 | 5,797 |
| Average equity | $6,087,600 | 5,801 |
| Average total loans | $19,416,400 | 6,233 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6055% | 5,427 |
| Cost of funding earning assets | 0.6276% | 2,573 |
| Net interest margin | 2.9779% | 5,647 |
| Noninterest income to average assets | 0.1821% | 6,103 |
| Noninterest expense to average assets | 2.3916% | 5,051 |
| Loan and lease loss provision to assets | 0.0189% | 4,636 |
| Net operating income to assets | 0.5654% | 4,500 |
| Return on assets (ROA) | 0.5654% | 4,653 |
| Pretax return on assets | 0.5890% | 5,057 |
| Return on Equity (ROE) | 5.1888% | 4,633 |
| Retained earnings to average equity (ytd only) | 2.4099% | 4,885 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7319% | 2,141 |
| Assets per employee ($millions) | 3.6696% | 4,506 |
| Cash dividends to net income (ytd only)* | 53.5555% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 5,657 |
| Loan loss allowance to noncurrent loans | 143.6090% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 1.0137% | 3,622 |
| Noncurrent loans to loans | 0.7057% | 4,442 |
| Net loans and leases to total assets | 33.8911% | 6,364 |
| Net loans and leases to deposits | 39.5091% | 6,400 |
| Net loans and leases to core deposits | 39.7617% | 6,455 |
| Total domestic deposits to total assets | 85.7805% | 3,365 |
| Equity capital to assets | 10.7114% | 3,057 |
| Core capital (leverage) ratio | 11.5618% | 1,993 |
| Tier 1 risk-based capital ratio | 20.2003% | 1,683 |
| Total risk-based capital ratio | 20.8183% | 1,812 |
| Memoranda: | ||
| Average total assets | $56,362,250 | 5,923 |
| Average earning assets | $53,325,250 | 5,847 |
| Average equity | $6,141,250 | 5,852 |
| Average total loans | $19,385,250 | 6,300 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6012% | 5,427 |
| Cost of funding earning assets | 0.6449% | 2,542 |
| Net interest margin | 2.9563% | 5,682 |
| Noninterest income to average assets | 0.1831% | 6,109 |
| Noninterest expense to average assets | 2.4189% | 5,004 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5352% | 4,637 |
| Return on assets (ROA) | 0.5352% | 4,802 |
| Pretax return on assets | 0.5563% | 5,180 |
| Return on Equity (ROE) | 4.8851% | 4,787 |
| Retained earnings to average equity (ytd only) | 2.1533% | 4,906 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3018% | 1,992 |
| Assets per employee ($millions) | 3.7256% | 4,358 |
| Cash dividends to net income (ytd only)* | 55.9211% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 5,947 |
| Loan loss allowance to noncurrent loans | 157.7586% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.9681% | 3,840 |
| Noncurrent loans to loans | 0.6113% | 4,726 |
| Net loans and leases to total assets | 33.6268% | 6,432 |
| Net loans and leases to deposits | 39.8212% | 6,409 |
| Net loans and leases to core deposits | 40.0759% | 6,469 |
| Total domestic deposits to total assets | 84.4446% | 4,149 |
| Equity capital to assets | 10.9012% | 2,843 |
| Core capital (leverage) ratio | 10.7007% | 2,667 |
| Tier 1 risk-based capital ratio | 19.8302% | 1,758 |
| Total risk-based capital ratio | 20.4338% | 1,912 |
| Memoranda: | ||
| Average total assets | $56,801,670 | 5,949 |
| Average earning assets | $53,648,670 | 5,872 |
| Average equity | $6,223,000 | 5,873 |
| Average total loans | $19,565,000 | 6,327 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5414% | 5,605 |
| Cost of funding earning assets | 0.7068% | 2,151 |
| Net interest margin | 2.8346% | 5,956 |
| Noninterest income to average assets | 0.2026% | 6,030 |
| Noninterest expense to average assets | 2.3821% | 5,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4680% | 4,831 |
| Return on assets (ROA) | 0.4680% | 4,994 |
| Pretax return on assets | 0.4820% | 5,310 |
| Return on Equity (ROE) | 4.2617% | 4,966 |
| Retained earnings to average equity (ytd only) | 1.5266% | 5,223 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1707% | 1,876 |
| Assets per employee ($millions) | 3.8280% | 4,296 |
| Cash dividends to net income (ytd only)* | 64.1791% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 6,062 |
| Loan loss allowance to noncurrent loans | 332.7273% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.8725% | 4,196 |
| Noncurrent loans to loans | 0.2934% | 5,671 |
| Net loans and leases to total assets | 32.3285% | 6,502 |
| Net loans and leases to deposits | 36.3995% | 6,557 |
| Net loans and leases to core deposits | 36.6149% | 6,606 |
| Total domestic deposits to total assets | 88.8157% | 1,787 |
| Equity capital to assets | 10.9335% | 3,038 |
| Core capital (leverage) ratio | 10.6632% | 2,579 |
| Tier 1 risk-based capital ratio | 19.7377% | 1,838 |
| Total risk-based capital ratio | 20.3433% | 1,994 |
| Memoranda: | ||
| Average total assets | $57,260,500 | 5,984 |
| Average earning assets | $53,764,000 | 5,910 |
| Average equity | $6,288,500 | 5,915 |
| Average total loans | $19,860,000 | 6,364 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8131% | 5,796 |
| Cost of funding earning assets | 0.7783% | 2,845 |
| Net interest margin | 3.0348% | 5,965 |
| Noninterest income to average assets | 0.2362% | 5,759 |
| Noninterest expense to average assets | 2.4303% | 5,317 |
| Loan and lease loss provision to assets | 0.1033% | 4,351 |
| Net operating income to assets | 0.7197% | 3,640 |
| Return on assets (ROA) | 0.7197% | 3,897 |
| Pretax return on assets | 0.5518% | 5,129 |
| Return on Equity (ROE) | 6.2942% | 4,020 |
| Retained earnings to average equity (ytd only) | 3.6151% | 3,665 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7679% | 2,315 |
| Assets per employee ($millions) | 3.8067% | 4,354 |
| Cash dividends to net income (ytd only)* | 42.5641% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 6,338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8564% | 4,334 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 36.4109% | 6,402 |
| Net loans and leases to deposits | 41.0338% | 6,500 |
| Net loans and leases to core deposits | 41.2782% | 6,570 |
| Total domestic deposits to total assets | 88.7340% | 1,742 |
| Equity capital to assets | 11.0313% | 2,911 |
| Core capital (leverage) ratio | 11.3085% | 2,010 |
| Tier 1 risk-based capital ratio | 18.8918% | 1,988 |
| Total risk-based capital ratio | 19.4723% | 2,145 |
| Memoranda: | ||
| Average total assets | $54,190,200 | 6,080 |
| Average earning assets | $50,877,000 | 6,017 |
| Average equity | $6,196,200 | 5,972 |
| Average total loans | $19,901,000 | 6,430 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8546% | 5,897 |
| Cost of funding earning assets | 0.8181% | 2,791 |
| Net interest margin | 3.0366% | 6,092 |
| Noninterest income to average assets | 0.2569% | 5,722 |
| Noninterest expense to average assets | 2.4365% | 5,284 |
| Loan and lease loss provision to assets | 0.0349% | 5,334 |
| Net operating income to assets | 0.7756% | 3,569 |
| Return on assets (ROA) | 0.7756% | 3,823 |
| Pretax return on assets | 0.6459% | 5,024 |
| Return on Equity (ROE) | 6.7200% | 3,948 |
| Retained earnings to average equity (ytd only) | 4.0190% | 4,060 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1600% | 2,379 |
| Assets per employee ($millions) | 3.4980% | 4,985 |
| Cash dividends to net income (ytd only)* | 40.1920% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7218% | 6,720 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0425% | 4,215 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 36.9621% | 6,486 |
| Net loans and leases to deposits | 43.3337% | 6,537 |
| Net loans and leases to core deposits | 43.6261% | 6,612 |
| Total domestic deposits to total assets | 85.2964% | 3,619 |
| Equity capital to assets | 11.9630% | 2,292 |
| Core capital (leverage) ratio | 11.8497% | 1,748 |
| Tier 1 risk-based capital ratio | 20.3491% | 1,671 |
| Total risk-based capital ratio | 20.8231% | 1,833 |
| Memoranda: | ||
| Average total assets | $53,462,500 | 6,174 |
| Average earning assets | $50,362,250 | 6,104 |
| Average equity | $6,170,500 | 6,044 |
| Average total loans | $19,632,750 | 6,528 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8592% | 6,014 |
| Cost of funding earning assets | 0.8471% | 2,819 |
| Net interest margin | 3.0122% | 6,217 |
| Noninterest income to average assets | 0.2156% | 6,021 |
| Noninterest expense to average assets | 2.5059% | 5,114 |
| Loan and lease loss provision to assets | 0.0521% | 5,013 |
| Net operating income to assets | 0.7027% | 3,854 |
| Return on assets (ROA) | 0.7027% | 4,119 |
| Pretax return on assets | 0.4870% | 5,479 |
| Return on Equity (ROE) | 6.1614% | 4,236 |
| Retained earnings to average equity (ytd only) | 3.4556% | 4,302 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2955% | 1,845 |
| Assets per employee ($millions) | 3.5057% | 4,969 |
| Cash dividends to net income (ytd only)* | 43.9153% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7210% | 6,801 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0402% | 4,302 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 36.9224% | 6,553 |
| Net loans and leases to deposits | 43.2100% | 6,592 |
| Net loans and leases to core deposits | 43.5005% | 6,681 |
| Total domestic deposits to total assets | 85.4486% | 3,638 |
| Equity capital to assets | 11.7864% | 2,329 |
| Core capital (leverage) ratio | 11.6472% | 1,812 |
| Tier 1 risk-based capital ratio | 20.3094% | 1,639 |
| Total risk-based capital ratio | 20.7887% | 1,810 |
| Memoranda: | ||
| Average total assets | $53,793,330 | 6,195 |
| Average earning assets | $50,528,000 | 6,135 |
| Average equity | $6,135,000 | 6,081 |
| Average total loans | $19,665,330 | 6,579 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8487% | 6,142 |
| Cost of funding earning assets | 0.9149% | 2,570 |
| Net interest margin | 2.9338% | 6,429 |
| Noninterest income to average assets | 0.2280% | 5,990 |
| Noninterest expense to average assets | 2.5516% | 4,982 |
| Loan and lease loss provision to assets | 0.0515% | 4,770 |
| Net operating income to assets | 0.5956% | 4,362 |
| Return on assets (ROA) | 0.5956% | 4,579 |
| Pretax return on assets | 0.3603% | 5,833 |
| Return on Equity (ROE) | 5.3084% | 4,641 |
| Retained earnings to average equity (ytd only) | 2.5559% | 4,978 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1042% | 1,475 |
| Assets per employee ($millions) | 3.6496% | 4,767 |
| Cash dividends to net income (ytd only)* | 51.8519% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7083% | 6,864 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0832% | 4,326 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 34.3124% | 6,722 |
| Net loans and leases to deposits | 38.7211% | 6,797 |
| Net loans and leases to core deposits | 38.9621% | 6,853 |
| Total domestic deposits to total assets | 88.6143% | 1,944 |
| Equity capital to assets | 11.1519% | 2,757 |
| Core capital (leverage) ratio | 11.3625% | 1,994 |
| Tier 1 risk-based capital ratio | 20.1914% | 1,658 |
| Total risk-based capital ratio | 20.6499% | 1,835 |
| Memoranda: | ||
| Average total assets | $54,397,000 | 6,215 |
| Average earning assets | $50,718,500 | 6,164 |
| Average equity | $6,103,500 | 6,119 |
| Average total loans | $19,719,500 | 6,626 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0574% | 6,347 |
| Cost of funding earning assets | 1.0834% | 2,782 |
| Net interest margin | 2.9739% | 6,568 |
| Noninterest income to average assets | 0.1935% | 6,117 |
| Noninterest expense to average assets | 2.4635% | 5,588 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5882% | 4,063 |
| Return on assets (ROA) | 0.7253% | 3,537 |
| Pretax return on assets | 0.6370% | 4,570 |
| Return on Equity (ROE) | 6.4514% | 3,670 |
| Retained earnings to average equity (ytd only) | 3.6770% | 3,597 |
| Net charge-offs to loans | 0.1134% | 5,242 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 11.5652% | 1,707 |
| Efficiency ratio | 83.1325% | 1,870 |
| Assets per employee ($millions) | 3.6033% | 4,763 |
| Cash dividends to net income (ytd only)* | 43.0052% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6189% | 6,995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2599% | 4,126 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 37.7317% | 6,659 |
| Net loans and leases to deposits | 43.1921% | 6,750 |
| Net loans and leases to core deposits | 43.4683% | 6,835 |
| Total domestic deposits to total assets | 87.3580% | 2,551 |
| Equity capital to assets | 11.2895% | 2,702 |
| Core capital (leverage) ratio | 11.4749% | 1,912 |
| Tier 1 risk-based capital ratio | 19.4799% | 1,770 |
| Total risk-based capital ratio | 19.9026% | 1,973 |
| Memoranda: | ||
| Average total assets | $53,217,200 | 6,253 |
| Average earning assets | $49,564,000 | 6,209 |
| Average equity | $5,983,200 | 6,164 |
| Average total loans | $20,286,800 | 6,648 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0456% | 6,513 |
| Cost of funding earning assets | 1.1293% | 2,769 |
| Net interest margin | 2.9163% | 6,727 |
| Noninterest income to average assets | 0.1962% | 6,193 |
| Noninterest expense to average assets | 2.3844% | 5,806 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5810% | 4,169 |
| Return on assets (ROA) | 0.7646% | 3,483 |
| Pretax return on assets | 0.7168% | 4,410 |
| Return on Equity (ROE) | 6.8081% | 3,608 |
| Retained earnings to average equity (ytd only) | 4.0087% | 3,864 |
| Net charge-offs to loans | 0.1516% | 4,555 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 9.2162% | 2,080 |
| Efficiency ratio | 81.7241% | 2,014 |
| Assets per employee ($millions) | 3.4241% | 5,186 |
| Cash dividends to net income (ytd only)* | 41.1181% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6596% | 7,018 |
| Loan loss allowance to noncurrent loans | 230.9091% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 1.5537% | 3,762 |
| Noncurrent loans to loans | 0.2856% | 6,283 |
| Net loans and leases to total assets | 37.2423% | 6,811 |
| Net loans and leases to deposits | 43.2271% | 6,869 |
| Net loans and leases to core deposits | 43.5222% | 6,935 |
| Total domestic deposits to total assets | 86.1549% | 3,134 |
| Equity capital to assets | 11.8397% | 2,385 |
| Core capital (leverage) ratio | 11.4115% | 2,095 |
| Tier 1 risk-based capital ratio | 20.5095% | 1,559 |
| Total risk-based capital ratio | 20.9574% | 1,727 |
| Memoranda: | ||
| Average total assets | $53,009,000 | 6,313 |
| Average earning assets | $49,467,750 | 6,265 |
| Average equity | $5,953,500 | 6,214 |
| Average total loans | $20,228,250 | 6,712 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9637% | 6,718 |
| Cost of funding earning assets | 1.1750% | 2,743 |
| Net interest margin | 2.7887% | 6,938 |
| Noninterest income to average assets | 0.1942% | 6,277 |
| Noninterest expense to average assets | 2.4534% | 5,689 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4742% | 4,624 |
| Return on assets (ROA) | 0.5825% | 4,273 |
| Pretax return on assets | 0.4369% | 5,276 |
| Return on Equity (ROE) | 5.2783% | 4,319 |
| Retained earnings to average equity (ytd only) | 2.4700% | 4,712 |
| Net charge-offs to loans | 0.2238% | 3,781 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 3.8261% | 3,039 |
| Efficiency ratio | 88.1879% | 1,397 |
| Assets per employee ($millions) | 3.5464% | 4,819 |
| Cash dividends to net income (ytd only)* | 53.2051% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6598% | 7,071 |
| Loan loss allowance to noncurrent loans | 208.1967% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 1.5302% | 3,910 |
| Noncurrent loans to loans | 0.3169% | 6,280 |
| Net loans and leases to total assets | 35.9463% | 6,962 |
| Net loans and leases to deposits | 40.7224% | 7,041 |
| Net loans and leases to core deposits | 40.9807% | 7,104 |
| Total domestic deposits to total assets | 88.2717% | 1,982 |
| Equity capital to assets | 11.2922% | 2,688 |
| Core capital (leverage) ratio | 10.9815% | 2,268 |
| Tier 1 risk-based capital ratio | 20.0149% | 1,605 |
| Total risk-based capital ratio | 20.4599% | 1,750 |
| Memoranda: | ||
| Average total assets | $53,558,330 | 6,348 |
| Average earning assets | $49,701,330 | 6,307 |
| Average equity | $5,911,000 | 6,258 |
| Average total loans | $20,552,670 | 6,759 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 6,764 |
| Cost of funding earning assets | 1.2384% | 2,578 |
| Net interest margin | 2.7114% | 7,001 |
| Noninterest income to average assets | 0.2382% | 6,004 |
| Noninterest expense to average assets | 2.4414% | 5,763 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4689% | 4,628 |
| Return on assets (ROA) | 0.4689% | 4,709 |
| Pretax return on assets | 0.2903% | 5,683 |
| Return on Equity (ROE) | 4.2981% | 4,748 |
| Retained earnings to average equity (ytd only) | 1.4327% | 5,245 |
| Net charge-offs to loans | 0.4716% | 2,291 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.5600% | 3,539 |
| Efficiency ratio | 89.3733% | 1,387 |
| Assets per employee ($millions) | 3.7600% | 4,393 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6330% | 7,166 |
| Loan loss allowance to noncurrent loans | 1,562.5000% | 267 |
| Noncurrent assets plus other real estate owned to assets | 1.4681% | 4,054 |
| Noncurrent loans to loans | 0.0405% | 6,946 |
| Net loans and leases to total assets | 34.7926% | 7,058 |
| Net loans and leases to deposits | 38.9492% | 7,137 |
| Net loans and leases to core deposits | 39.1786% | 7,186 |
| Total domestic deposits to total assets | 89.3280% | 1,574 |
| Equity capital to assets | 10.3848% | 3,304 |
| Core capital (leverage) ratio | 10.8272% | 2,337 |
| Tier 1 risk-based capital ratio | 19.4602% | 1,706 |
| Total risk-based capital ratio | 19.8900% | 1,864 |
| Memoranda: | ||
| Average total assets | $53,739,500 | 6,379 |
| Average earning assets | $49,420,500 | 6,360 |
| Average equity | $5,863,000 | 6,291 |
| Average total loans | $21,204,500 | 6,786 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5705% | 6,190 |
| Cost of funding earning assets | 1.3017% | 3,869 |
| Net interest margin | 3.2688% | 6,070 |
| Noninterest income to average assets | 0.2475% | 6,026 |
| Noninterest expense to average assets | 2.8856% | 4,294 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4950% | 4,119 |
| Return on assets (ROA) | 0.5198% | 4,159 |
| Pretax return on assets | 0.3857% | 4,992 |
| Return on Equity (ROE) | 4.3394% | 4,368 |
| Retained earnings to average equity (ytd only) | 2.9102% | 3,821 |
| Net charge-offs to loans | -0.0372% | 7,420 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8818% | 1,402 |
| Assets per employee ($millions) | 3.4053% | 5,160 |
| Cash dividends to net income (ytd only)* | 32.9365% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6619% | 7,187 |
| Loan loss allowance to noncurrent loans | 365.8537% | 851 |
| Noncurrent assets plus other real estate owned to assets | 1.6856% | 3,771 |
| Noncurrent loans to loans | 0.1809% | 6,706 |
| Net loans and leases to total assets | 44.0709% | 6,705 |
| Net loans and leases to deposits | 49.9978% | 6,856 |
| Net loans and leases to core deposits | 50.3275% | 6,967 |
| Total domestic deposits to total assets | 88.1458% | 2,156 |
| Equity capital to assets | 11.4900% | 2,268 |
| Core capital (leverage) ratio | 12.0421% | 1,514 |
| Tier 1 risk-based capital ratio | 19.2491% | 1,653 |
| Total risk-based capital ratio | 19.7585% | 1,805 |
| Memoranda: | ||
| Average total assets | $48,481,600 | 6,592 |
| Average earning assets | $44,480,800 | 6,563 |
| Average equity | $5,807,200 | 6,427 |
| Average total loans | $21,531,600 | 6,852 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5957% | 6,342 |
| Cost of funding earning assets | 1.3433% | 3,951 |
| Net interest margin | 3.2524% | 6,162 |
| Noninterest income to average assets | 0.2648% | 5,998 |
| Noninterest expense to average assets | 2.9129% | 4,036 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4683% | 4,449 |
| Return on assets (ROA) | 0.4766% | 4,611 |
| Pretax return on assets | 0.3568% | 5,352 |
| Return on Equity (ROE) | 3.9365% | 4,813 |
| Retained earnings to average equity (ytd only) | 2.9927% | 4,339 |
| Net charge-offs to loans | -0.0439% | 7,452 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3162% | 1,338 |
| Assets per employee ($millions) | 3.1606% | 5,778 |
| Cash dividends to net income (ytd only)* | 23.9791% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6836% | 7,223 |
| Loan loss allowance to noncurrent loans | 354.7619% | 835 |
| Noncurrent assets plus other real estate owned to assets | 2.1262% | 3,296 |
| Noncurrent loans to loans | 0.1927% | 6,798 |
| Net loans and leases to total assets | 45.6601% | 6,729 |
| Net loans and leases to deposits | 52.4738% | 6,867 |
| Net loans and leases to core deposits | 52.8491% | 7,013 |
| Total domestic deposits to total assets | 87.0151% | 2,519 |
| Equity capital to assets | 12.4238% | 1,898 |
| Core capital (leverage) ratio | 12.0219% | 1,660 |
| Tier 1 risk-based capital ratio | 19.8591% | 1,577 |
| Total risk-based capital ratio | 20.3848% | 1,685 |
| Memoranda: | ||
| Average total assets | $47,832,250 | 6,687 |
| Average earning assets | $44,068,750 | 6,656 |
| Average equity | $5,791,750 | 6,514 |
| Average total loans | $21,249,250 | 6,951 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6035% | 6,452 |
| Cost of funding earning assets | 1.3628% | 4,100 |
| Net interest margin | 3.2407% | 6,193 |
| Noninterest income to average assets | 0.2793% | 5,917 |
| Noninterest expense to average assets | 3.0350% | 3,572 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3794% | 4,854 |
| Return on assets (ROA) | 0.3877% | 4,974 |
| Pretax return on assets | 0.2168% | 5,734 |
| Return on Equity (ROE) | 3.2297% | 5,122 |
| Retained earnings to average equity (ytd only) | 3.2297% | 4,048 |
| Net charge-offs to loans | -0.0665% | 7,495 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5733% | 1,089 |
| Assets per employee ($millions) | 3.1639% | 5,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7027% | 7,244 |
| Loan loss allowance to noncurrent loans | 1,490.0000% | 247 |
| Noncurrent assets plus other real estate owned to assets | 2.1387% | 3,329 |
| Noncurrent loans to loans | 0.0472% | 7,195 |
| Net loans and leases to total assets | 44.3634% | 6,891 |
| Net loans and leases to deposits | 51.1206% | 7,018 |
| Net loans and leases to core deposits | 51.4856% | 7,158 |
| Total domestic deposits to total assets | 86.7820% | 2,658 |
| Equity capital to assets | 12.3309% | 1,908 |
| Core capital (leverage) ratio | 12.1787% | 1,556 |
| Tier 1 risk-based capital ratio | 20.4384% | 1,442 |
| Total risk-based capital ratio | 20.9830% | 1,534 |
| Memoranda: | ||
| Average total assets | $47,973,330 | 6,731 |
| Average earning assets | $43,880,000 | 6,702 |
| Average equity | $5,759,000 | 6,543 |
| Average total loans | $21,067,000 | 7,013 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6249% | 6,490 |
| Cost of funding earning assets | 1.4167% | 4,075 |
| Net interest margin | 3.2082% | 6,270 |
| Noninterest income to average assets | 0.2737% | 5,967 |
| Noninterest expense to average assets | 2.7285% | 4,771 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5142% | 4,323 |
| Return on assets (ROA) | 0.5142% | 4,464 |
| Pretax return on assets | 0.4561% | 5,105 |
| Return on Equity (ROE) | 4.3414% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.3414% | 3,550 |
| Net charge-offs to loans | -0.0190% | 7,065 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6771% | 1,828 |
| Assets per employee ($millions) | 3.2175% | 5,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6992% | 7,336 |
| Loan loss allowance to noncurrent loans | 493.1034% | 652 |
| Noncurrent assets plus other real estate owned to assets | 2.5279% | 2,873 |
| Noncurrent loans to loans | 0.1418% | 7,050 |
| Net loans and leases to total assets | 42.0828% | 7,123 |
| Net loans and leases to deposits | 48.0119% | 7,234 |
| Net loans and leases to core deposits | 48.0119% | 7,361 |
| Total domestic deposits to total assets | 87.6507% | 2,263 |
| Equity capital to assets | 11.9017% | 2,105 |
| Core capital (leverage) ratio | 12.0871% | 1,604 |
| Tier 1 risk-based capital ratio | 20.5468% | 1,418 |
| Total risk-based capital ratio | 21.0755% | 1,520 |
| Memoranda: | ||
| Average total assets | $48,231,000 | 6,793 |
| Average earning assets | $43,763,000 | 6,787 |
| Average equity | $5,712,500 | 6,612 |
| Average total loans | $20,999,000 | 7,101 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9537% | 6,572 |
| Cost of funding earning assets | 1.7737% | 4,133 |
| Net interest margin | 3.1800% | 6,157 |
| Noninterest income to average assets | 0.2442% | 6,350 |
| Noninterest expense to average assets | 3.0966% | 3,761 |
| Loan and lease loss provision to assets | 0.3522% | 4,692 |
| Net operating income to assets | 0.1124% | 5,177 |
| Return on assets (ROA) | 0.1815% | 5,031 |
| Pretax return on assets | -0.1794% | 5,677 |
| Return on Equity (ROE) | 1.4365% | 5,110 |
| Retained earnings to average equity (ytd only) | -2.8218% | 5,663 |
| Net charge-offs to loans | 2.1577% | 1,116 |
| Credit loss provision to net charge-offs | 34.6072% | 6,872 |
| Earnings coverage of net charge-offs (x) | 0.0637% | 6,102 |
| Efficiency ratio | 97.9494% | 1,215 |
| Assets per employee ($millions) | 3.2133% | 5,692 |
| Cash dividends to net income (ytd only)* | 296.4286% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6591% | 7,456 |
| Loan loss allowance to noncurrent loans | 489.6552% | 677 |
| Noncurrent assets plus other real estate owned to assets | 2.6349% | 2,668 |
| Noncurrent loans to loans | 0.1346% | 7,094 |
| Net loans and leases to total assets | 44.4046% | 7,091 |
| Net loans and leases to deposits | 51.7143% | 7,161 |
| Net loans and leases to core deposits | 56.0112% | 7,405 |
| Total domestic deposits to total assets | 85.8651% | 3,078 |
| Equity capital to assets | 11.7863% | 2,148 |
| Core capital (leverage) ratio | 12.0623% | 1,634 |
| Tier 1 risk-based capital ratio | 19.9456% | 1,471 |
| Total risk-based capital ratio | 20.4610% | 1,575 |
| Memoranda: | ||
| Average total assets | $46,277,000 | 6,857 |
| Average earning assets | $42,452,800 | 6,843 |
| Average equity | $5,847,400 | 6,651 |
| Average total loans | $21,828,800 | 7,097 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9313% | 6,814 |
| Cost of funding earning assets | 1.8205% | 4,288 |
| Net interest margin | 3.1109% | 6,284 |
| Noninterest income to average assets | 0.2387% | 6,519 |
| Noninterest expense to average assets | 2.8066% | 4,867 |
| Loan and lease loss provision to assets | 0.4746% | 3,537 |
| Net operating income to assets | 0.2038% | 5,139 |
| Return on assets (ROA) | 0.2038% | 5,229 |
| Pretax return on assets | -0.1718% | 5,936 |
| Return on Equity (ROE) | 1.5848% | 5,302 |
| Retained earnings to average equity (ytd only) | -1.2452% | 5,544 |
| Net charge-offs to loans | 2.8736% | 607 |
| Credit loss provision to net charge-offs | 34.5339% | 6,475 |
| Earnings coverage of net charge-offs (x) | 0.2203% | 5,799 |
| Efficiency ratio | 90.2622% | 1,663 |
| Assets per employee ($millions) | 3.1190% | 5,863 |
| Cash dividends to net income (ytd only)* | 178.5707% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6659% | 7,452 |
| Loan loss allowance to noncurrent loans | 522.2222% | 610 |
| Noncurrent assets plus other real estate owned to assets | 2.8855% | 2,409 |
| Noncurrent loans to loans | 0.1275% | 7,161 |
| Net loans and leases to total assets | 44.9589% | 7,175 |
| Net loans and leases to deposits | 53.6869% | 7,232 |
| Net loans and leases to core deposits | 58.0296% | 7,463 |
| Total domestic deposits to total assets | 83.7427% | 3,841 |
| Equity capital to assets | 12.5553% | 1,915 |
| Core capital (leverage) ratio | 12.6086% | 1,538 |
| Tier 1 risk-based capital ratio | 20.8513% | 1,387 |
| Total risk-based capital ratio | 21.3761% | 1,485 |
| Memoranda: | ||
| Average total assets | $45,796,250 | 6,930 |
| Average earning assets | $42,259,250 | 6,899 |
| Average equity | $5,889,000 | 6,707 |
| Average total loans | $21,899,750 | 7,151 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9565% | 6,904 |
| Cost of funding earning assets | 1.8916% | 4,307 |
| Net interest margin | 3.0649% | 6,351 |
| Noninterest income to average assets | 0.2507% | 6,494 |
| Noninterest expense to average assets | 2.8152% | 4,894 |
| Loan and lease loss provision to assets | 0.7170% | 2,284 |
| Net operating income to assets | 0.0616% | 5,677 |
| Return on assets (ROA) | 0.0616% | 5,764 |
| Pretax return on assets | -0.4663% | 6,387 |
| Return on Equity (ROE) | 0.4751% | 5,793 |
| Retained earnings to average equity (ytd only) | -2.3414% | 5,820 |
| Net charge-offs to loans | 4.2635% | 315 |
| Credit loss provision to net charge-offs | 34.5339% | 5,972 |
| Earnings coverage of net charge-offs (x) | 0.1208% | 5,543 |
| Efficiency ratio | 91.8221% | 1,654 |
| Assets per employee ($millions) | 3.0467% | 6,013 |
| Cash dividends to net income (ytd only)* | 592.8571% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7010% | 7,422 |
| Loan loss allowance to noncurrent loans | 783.3333% | 437 |
| Noncurrent assets plus other real estate owned to assets | 3.0284% | 2,092 |
| Noncurrent loans to loans | 0.0895% | 7,302 |
| Net loans and leases to total assets | 43.7068% | 7,348 |
| Net loans and leases to deposits | 50.3834% | 7,471 |
| Net loans and leases to core deposits | 54.2271% | 7,654 |
| Total domestic deposits to total assets | 86.7484% | 2,381 |
| Equity capital to assets | 12.6958% | 1,835 |
| Core capital (leverage) ratio | 12.5604% | 1,594 |
| Tier 1 risk-based capital ratio | 21.8537% | 1,275 |
| Total risk-based capital ratio | 22.4052% | 1,340 |
| Memoranda: | ||
| Average total assets | $45,466,670 | 7,000 |
| Average earning assets | $41,763,000 | 6,977 |
| Average equity | $5,894,000 | 6,763 |
| Average total loans | $22,141,330 | 7,204 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9260% | 7,111 |
| Cost of funding earning assets | 1.9742% | 4,268 |
| Net interest margin | 2.9517% | 6,608 |
| Noninterest income to average assets | 0.2734% | 6,241 |
| Noninterest expense to average assets | 2.7255% | 4,899 |
| Loan and lease loss provision to assets | 0.0706% | 6,077 |
| Net operating income to assets | 0.1940% | 5,677 |
| Return on assets (ROA) | 0.1940% | 5,850 |
| Pretax return on assets | 0.1940% | 5,954 |
| Return on Equity (ROE) | 1.4815% | 5,970 |
| Retained earnings to average equity (ytd only) | -1.3468% | 5,973 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1504% | 1,637 |
| Assets per employee ($millions) | 3.1529% | 5,733 |
| Cash dividends to net income (ytd only)* | 190.9091% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0320% | 1,353 |
| Loan loss allowance to noncurrent loans | 32.5053% | 6,373 |
| Noncurrent assets plus other real estate owned to assets | 3.9920% | 1,290 |
| Noncurrent loans to loans | 6.2514% | 735 |
| Net loans and leases to total assets | 46.6888% | 7,136 |
| Net loans and leases to deposits | 53.7381% | 7,308 |
| Net loans and leases to core deposits | 57.6648% | 7,539 |
| Total domestic deposits to total assets | 86.8821% | 2,276 |
| Equity capital to assets | 12.4984% | 1,972 |
| Core capital (leverage) ratio | 13.1705% | 1,431 |
| Tier 1 risk-based capital ratio | 21.3515% | 1,396 |
| Total risk-based capital ratio | 22.6079% | 1,359 |
| Memoranda: | ||
| Average total assets | $45,350,000 | 7,053 |
| Average earning assets | $41,738,000 | 7,029 |
| Average equity | $5,940,000 | 6,791 |
| Average total loans | $23,154,500 | 7,175 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6621% | 6,897 |
| Cost of funding earning assets | 2.2410% | 5,416 |
| Net interest margin | 3.4211% | 5,576 |
| Noninterest income to average assets | 0.2686% | 6,535 |
| Noninterest expense to average assets | 2.8131% | 4,766 |
| Loan and lease loss provision to assets | 0.4453% | 3,063 |
| Net operating income to assets | 0.2545% | 5,696 |
| Return on assets (ROA) | 0.2545% | 5,509 |
| Pretax return on assets | 0.1861% | 5,762 |
| Return on Equity (ROE) | 1.8131% | 5,666 |
| Retained earnings to average equity (ytd only) | -0.9737% | 5,583 |
| Net charge-offs to loans | 0.0213% | 6,560 |
| Credit loss provision to net charge-offs | 3,780.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 53.6000% | 729 |
| Efficiency ratio | 81.6689% | 2,349 |
| Assets per employee ($millions) | 2.8937% | 6,328 |
| Cash dividends to net income (ytd only)* | 153.7037% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8931% | 1,432 |
| Loan loss allowance to noncurrent loans | 31.9375% | 6,599 |
| Noncurrent assets plus other real estate owned to assets | 4.3980% | 873 |
| Noncurrent loans to loans | 5.9276% | 614 |
| Net loans and leases to total assets | 53.7253% | 6,684 |
| Net loans and leases to deposits | 62.8877% | 6,883 |
| Net loans and leases to core deposits | 68.2051% | 7,274 |
| Total domestic deposits to total assets | 85.4306% | 2,652 |
| Equity capital to assets | 13.7516% | 1,517 |
| Core capital (leverage) ratio | 13.7070% | 1,330 |
| Tier 1 risk-based capital ratio | 21.1122% | 1,443 |
| Total risk-based capital ratio | 22.3682% | 1,411 |
| Memoranda: | ||
| Average total assets | $42,443,600 | 7,107 |
| Average earning assets | $39,402,600 | 7,064 |
| Average equity | $5,956,800 | 6,824 |
| Average total loans | $23,436,400 | 7,114 |