Home > The Old Exchange National Bank of Okawville > Performance and Condition Ratios
The Old Exchange 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 | 3.6329% | 4,329 |
| Cost of funding earning assets | 1.2410% | 2,688 |
| Net interest margin | 2.3918% | 4,196 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 1.5507% | 4,294 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8003% | 2,873 |
| Return on assets (ROA) | 0.7742% | 2,938 |
| Pretax return on assets | 0.7742% | 3,274 |
| Return on Equity (ROE) | 14.3600% | 1,411 |
| Retained earnings to average equity (ytd only) | 7.1901% | 1,834 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.9585% | 2,362 |
| Assets per employee ($millions) | 7.8938% | 1,492 |
| Cash dividends to net income (ytd only)* | 49.9232% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 2,439 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 3,405 |
| Noncurrent loans to loans | 0.0870% | 3,107 |
| Net loans and leases to total assets | 39.2300% | 4,065 |
| Net loans and leases to deposits | 43.7263% | 4,109 |
| Net loans and leases to core deposits | 45.8424% | 4,161 |
| Total domestic deposits to total assets | 89.7200% | 837 |
| Equity capital to assets | 6.2396% | 4,185 |
| Core capital (leverage) ratio | 11.6695% | 1,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6826% | 500 |
| Memoranda: | ||
| Average total assets | $84,090,000 | 3,980 |
| Average earning assets | $79,771,200 | 3,933 |
| Average equity | $4,534,000 | 4,301 |
| Average total loans | $31,353,000 | 4,122 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5572% | 4,342 |
| Cost of funding earning assets | 1.1700% | 2,528 |
| Net interest margin | 2.3871% | 4,242 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 1.5171% | 4,303 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8425% | 2,886 |
| Return on assets (ROA) | 0.8073% | 2,994 |
| Pretax return on assets | 0.8073% | 3,320 |
| Return on Equity (ROE) | 15.6100% | 1,325 |
| Retained earnings to average equity (ytd only) | 5.5644% | 2,760 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.2954% | 2,461 |
| Assets per employee ($millions) | 7.3659% | 1,715 |
| Cash dividends to net income (ytd only)* | 64.3564% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 1,663 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 3,429 |
| Noncurrent loans to loans | 0.0997% | 3,078 |
| Net loans and leases to total assets | 36.6300% | 4,163 |
| Net loans and leases to deposits | 40.1409% | 4,201 |
| Net loans and leases to core deposits | 42.1845% | 4,211 |
| Total domestic deposits to total assets | 91.2600% | 606 |
| Equity capital to assets | 4.3814% | 4,351 |
| Core capital (leverage) ratio | 11.6931% | 1,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8173% | 393 |
| Memoranda: | ||
| Average total assets | $83,404,500 | 4,001 |
| Average earning assets | $79,312,000 | 3,955 |
| Average equity | $4,313,000 | 4,328 |
| Average total loans | $30,573,750 | 4,148 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4502% | 4,389 |
| Cost of funding earning assets | 1.0589% | 2,421 |
| Net interest margin | 2.3913% | 4,305 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.4917% | 4,342 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8908% | 2,788 |
| Return on assets (ROA) | 0.8433% | 2,957 |
| Pretax return on assets | 0.8433% | 3,295 |
| Return on Equity (ROE) | 15.5500% | 1,352 |
| Retained earnings to average equity (ytd only) | 7.6631% | 2,082 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.6122% | 2,636 |
| Assets per employee ($millions) | 7.3966% | 1,668 |
| Cash dividends to net income (ytd only)* | 50.7042% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 1,551 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 3,412 |
| Noncurrent loans to loans | 0.1034% | 2,972 |
| Net loans and leases to total assets | 35.1700% | 4,204 |
| Net loans and leases to deposits | 39.0085% | 4,235 |
| Net loans and leases to core deposits | 40.7116% | 4,246 |
| Total domestic deposits to total assets | 90.1700% | 878 |
| Equity capital to assets | 5.5037% | 4,293 |
| Core capital (leverage) ratio | 11.5648% | 1,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0135% | 388 |
| Memoranda: | ||
| Average total assets | $84,197,667 | 4,007 |
| Average earning assets | $80,458,667 | 3,966 |
| Average equity | $4,567,333 | 4,337 |
| Average total loans | $30,736,333 | 4,160 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3831% | 4,384 |
| Cost of funding earning assets | 0.8898% | 2,402 |
| Net interest margin | 2.4933% | 4,314 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 1.4670% | 4,416 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0419% | 2,409 |
| Return on assets (ROA) | 0.9438% | 2,664 |
| Pretax return on assets | 0.9438% | 3,142 |
| Return on Equity (ROE) | 17.5200% | 1,096 |
| Retained earnings to average equity (ytd only) | 17.5195% | 559 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.4730% | 3,134 |
| Assets per employee ($millions) | 7.3623% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 1,690 |
| Loan loss allowance to noncurrent loans | 1,306.4516% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 3,403 |
| Noncurrent loans to loans | 0.1058% | 3,006 |
| Net loans and leases to total assets | 35.6900% | 4,201 |
| Net loans and leases to deposits | 39.7191% | 4,232 |
| Net loans and leases to core deposits | 40.7363% | 4,253 |
| Total domestic deposits to total assets | 89.8500% | 1,213 |
| Equity capital to assets | 5.9023% | 4,237 |
| Core capital (leverage) ratio | 11.2780% | 1,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4083% | 413 |
| Memoranda: | ||
| Average total assets | $85,615,000 | 4,046 |
| Average earning assets | $81,818,500 | 3,995 |
| Average equity | $4,612,000 | 4,391 |
| Average total loans | $31,592,500 | 4,200 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9041% | 4,232 |
| Cost of funding earning assets | 0.6810% | 638 |
| Net interest margin | 2.2231% | 4,466 |
| Noninterest income to average assets | 0.0500% | 4,578 |
| Noninterest expense to average assets | 1.4582% | 4,465 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7383% | 3,512 |
| Return on assets (ROA) | 0.7383% | 3,453 |
| Pretax return on assets | 0.7383% | 3,771 |
| Return on Equity (ROE) | 11.3500% | 2,363 |
| Retained earnings to average equity (ytd only) | 4.9213% | 3,083 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.3892% | 2,165 |
| Assets per employee ($millions) | 7.5204% | 1,603 |
| Cash dividends to net income (ytd only)* | 56.6563% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 2,408 |
| Loan loss allowance to noncurrent loans | 1,227.2727% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 3,434 |
| Noncurrent loans to loans | 0.0974% | 3,065 |
| Net loans and leases to total assets | 37.0900% | 4,174 |
| Net loans and leases to deposits | 40.0404% | 4,245 |
| Net loans and leases to core deposits | 40.9295% | 4,255 |
| Total domestic deposits to total assets | 92.6300% | 483 |
| Equity capital to assets | 4.9244% | 4,377 |
| Core capital (leverage) ratio | 10.9381% | 1,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6654% | 571 |
| Memoranda: | ||
| Average total assets | $87,503,000 | 4,043 |
| Average earning assets | $84,431,400 | 3,986 |
| Average equity | $5,689,600 | 4,362 |
| Average total loans | $29,299,400 | 4,250 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8186% | 4,174 |
| Cost of funding earning assets | 0.6703% | 307 |
| Net interest margin | 2.1483% | 4,491 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 1.4144% | 4,498 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7279% | 3,487 |
| Return on assets (ROA) | 0.7279% | 3,432 |
| Pretax return on assets | 0.7279% | 3,744 |
| Return on Equity (ROE) | 10.5300% | 2,559 |
| Retained earnings to average equity (ytd only) | 2.3995% | 3,940 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.0215% | 2,277 |
| Assets per employee ($millions) | 6.8647% | 2,048 |
| Cash dividends to net income (ytd only)* | 77.2152% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4345% | 1,496 |
| Loan loss allowance to noncurrent loans | 1,227.2727% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 3,503 |
| Noncurrent loans to loans | 0.1169% | 3,061 |
| Net loans and leases to total assets | 33.7800% | 4,312 |
| Net loans and leases to deposits | 35.3058% | 4,385 |
| Net loans and leases to core deposits | 36.0912% | 4,404 |
| Total domestic deposits to total assets | 95.6800% | 155 |
| Equity capital to assets | 4.0364% | 4,472 |
| Core capital (leverage) ratio | 10.6596% | 1,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3194% | 416 |
| Memoranda: | ||
| Average total assets | $86,817,500 | 4,080 |
| Average earning assets | $84,342,250 | 4,016 |
| Average equity | $6,001,000 | 4,371 |
| Average total loans | $28,154,750 | 4,298 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6835% | 4,165 |
| Cost of funding earning assets | 0.6703% | 184 |
| Net interest margin | 2.0132% | 4,550 |
| Noninterest income to average assets | 0.0498% | 4,630 |
| Noninterest expense to average assets | 1.3839% | 4,542 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6252% | 3,559 |
| Return on assets (ROA) | 0.6252% | 3,506 |
| Pretax return on assets | 0.6252% | 3,767 |
| Return on Equity (ROE) | 8.0081% | 3,014 |
| Retained earnings to average equity (ytd only) | 1.3347% | 3,916 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8839% | 2,118 |
| Assets per employee ($millions) | 7.1048% | 1,876 |
| Cash dividends to net income (ytd only)* | 83.3333% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 1,401 |
| Loan loss allowance to noncurrent loans | 1,227.2727% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 3,593 |
| Noncurrent loans to loans | 0.1223% | 3,113 |
| Net loans and leases to total assets | 31.1807% | 4,420 |
| Net loans and leases to deposits | 32.8619% | 4,474 |
| Net loans and leases to core deposits | 33.6034% | 4,487 |
| Total domestic deposits to total assets | 94.8838% | 151 |
| Equity capital to assets | 4.8371% | 4,505 |
| Core capital (leverage) ratio | 10.0929% | 2,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5889% | 397 |
| Memoranda: | ||
| Average total assets | $88,298,000 | 4,096 |
| Average earning assets | $85,933,667 | 4,047 |
| Average equity | $6,893,000 | 4,329 |
| Average total loans | $28,129,000 | 4,354 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5817% | 4,154 |
| Cost of funding earning assets | 0.6683% | 182 |
| Net interest margin | 1.9134% | 4,570 |
| Noninterest income to average assets | 0.0623% | 4,628 |
| Noninterest expense to average assets | 1.3182% | 4,609 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6057% | 3,378 |
| Return on assets (ROA) | 0.6057% | 3,359 |
| Pretax return on assets | 0.6057% | 3,619 |
| Return on Equity (ROE) | 6.5720% | 3,167 |
| Retained earnings to average equity (ytd only) | 6.5720% | 2,043 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5185% | 2,442 |
| Assets per employee ($millions) | 7.4864% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 1,372 |
| Loan loss allowance to noncurrent loans | 1,227.2727% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 3,672 |
| Noncurrent loans to loans | 0.1273% | 3,176 |
| Net loans and leases to total assets | 28.4070% | 4,498 |
| Net loans and leases to deposits | 30.9390% | 4,523 |
| Net loans and leases to core deposits | 31.6233% | 4,547 |
| Total domestic deposits to total assets | 91.8163% | 651 |
| Equity capital to assets | 7.9511% | 3,610 |
| Core capital (leverage) ratio | 9.9731% | 2,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9105% | 386 |
| Memoranda: | ||
| Average total assets | $89,818,000 | 4,107 |
| Average earning assets | $87,383,000 | 4,052 |
| Average equity | $8,277,500 | 4,243 |
| Average total loans | $28,699,000 | 4,358 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2119% | 3,446 |
| Cost of funding earning assets | 0.7355% | 275 |
| Net interest margin | 2.4764% | 4,220 |
| Noninterest income to average assets | 0.0677% | 4,684 |
| Noninterest expense to average assets | 1.4373% | 4,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0444% | 2,502 |
| Return on assets (ROA) | 1.0444% | 2,581 |
| Pretax return on assets | 1.0444% | 3,141 |
| Return on Equity (ROE) | 9.6926% | 2,641 |
| Retained earnings to average equity (ytd only) | 5.4802% | 2,572 |
| Net charge-offs to loans | -0.0823% | 4,520 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9163% | 3,461 |
| Assets per employee ($millions) | 7.4833% | 1,628 |
| Cash dividends to net income (ytd only)* | 43.4595% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 2,424 |
| Loan loss allowance to noncurrent loans | 826.5306% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 3,601 |
| Noncurrent loans to loans | 0.1557% | 3,152 |
| Net loans and leases to total assets | 34.5973% | 4,352 |
| Net loans and leases to deposits | 38.7628% | 4,376 |
| Net loans and leases to core deposits | 39.6442% | 4,401 |
| Total domestic deposits to total assets | 89.2538% | 1,378 |
| Equity capital to assets | 10.4812% | 2,198 |
| Core capital (leverage) ratio | 10.0849% | 2,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7852% | 507 |
| Memoranda: | ||
| Average total assets | $88,568,600 | 4,108 |
| Average earning assets | $86,334,200 | 4,056 |
| Average equity | $9,543,400 | 4,189 |
| Average total loans | $31,608,000 | 4,350 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3823% | 3,149 |
| Cost of funding earning assets | 0.7468% | 311 |
| Net interest margin | 2.6355% | 4,082 |
| Noninterest income to average assets | 0.0725% | 4,750 |
| Noninterest expense to average assets | 1.3837% | 4,700 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2584% | 1,957 |
| Return on assets (ROA) | 1.2584% | 2,020 |
| Pretax return on assets | 1.2584% | 2,739 |
| Return on Equity (ROE) | 11.5978% | 2,178 |
| Retained earnings to average equity (ytd only) | 6.0008% | 2,820 |
| Net charge-offs to loans | -0.1096% | 4,644 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3728% | 3,999 |
| Assets per employee ($millions) | 7.1552% | 1,766 |
| Cash dividends to net income (ytd only)* | 48.2593% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 2,154 |
| Loan loss allowance to noncurrent loans | 397.0588% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 3,328 |
| Noncurrent loans to loans | 0.3442% | 2,550 |
| Net loans and leases to total assets | 34.0442% | 4,465 |
| Net loans and leases to deposits | 38.5491% | 4,499 |
| Net loans and leases to core deposits | 39.4773% | 4,529 |
| Total domestic deposits to total assets | 88.3138% | 1,659 |
| Equity capital to assets | 11.3822% | 1,751 |
| Core capital (leverage) ratio | 10.2350% | 2,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4014% | 463 |
| Memoranda: | ||
| Average total assets | $88,261,000 | 4,165 |
| Average earning assets | $86,054,250 | 4,109 |
| Average equity | $9,576,250 | 4,240 |
| Average total loans | $31,641,750 | 4,410 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1551% | 3,758 |
| Cost of funding earning assets | 0.7478% | 366 |
| Net interest margin | 2.4073% | 4,412 |
| Noninterest income to average assets | 0.0876% | 4,739 |
| Noninterest expense to average assets | 1.3766% | 4,739 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0532% | 2,705 |
| Return on assets (ROA) | 1.0532% | 2,783 |
| Pretax return on assets | 1.0532% | 3,326 |
| Return on Equity (ROE) | 9.8626% | 2,799 |
| Retained earnings to average equity (ytd only) | 6.2877% | 2,700 |
| Net charge-offs to loans | -0.1609% | 4,747 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6543% | 3,455 |
| Assets per employee ($millions) | 7.2633% | 1,624 |
| Cash dividends to net income (ytd only)* | 36.2473% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 2,376 |
| Loan loss allowance to noncurrent loans | 397.0588% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 3,460 |
| Noncurrent loans to loans | 0.3306% | 2,723 |
| Net loans and leases to total assets | 34.9346% | 4,502 |
| Net loans and leases to deposits | 39.5021% | 4,534 |
| Net loans and leases to core deposits | 40.4358% | 4,570 |
| Total domestic deposits to total assets | 88.4374% | 1,597 |
| Equity capital to assets | 11.0039% | 1,967 |
| Core capital (leverage) ratio | 9.9459% | 2,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1637% | 473 |
| Memoranda: | ||
| Average total assets | $89,060,667 | 4,182 |
| Average earning assets | $86,654,000 | 4,129 |
| Average equity | $9,510,667 | 4,261 |
| Average total loans | $32,310,333 | 4,424 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0878% | 3,909 |
| Cost of funding earning assets | 0.7513% | 447 |
| Net interest margin | 2.3365% | 4,480 |
| Noninterest income to average assets | 0.0889% | 4,730 |
| Noninterest expense to average assets | 1.3687% | 4,768 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9865% | 2,848 |
| Return on assets (ROA) | 0.9865% | 2,946 |
| Pretax return on assets | 0.9865% | 3,415 |
| Return on Equity (ROE) | 9.3765% | 2,898 |
| Retained earnings to average equity (ytd only) | 9.3765% | 1,832 |
| Net charge-offs to loans | -0.3148% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1132% | 3,282 |
| Assets per employee ($millions) | 7.4851% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 2,528 |
| Loan loss allowance to noncurrent loans | 1,125.0000% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 4,089 |
| Noncurrent loans to loans | 0.1137% | 3,738 |
| Net loans and leases to total assets | 34.7903% | 4,558 |
| Net loans and leases to deposits | 41.0966% | 4,532 |
| Net loans and leases to core deposits | 42.0817% | 4,564 |
| Total domestic deposits to total assets | 84.6550% | 3,237 |
| Equity capital to assets | 10.3873% | 2,365 |
| Core capital (leverage) ratio | 9.6042% | 2,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8047% | 462 |
| Memoranda: | ||
| Average total assets | $90,011,000 | 4,187 |
| Average earning assets | $87,310,000 | 4,129 |
| Average equity | $9,470,500 | 4,277 |
| Average total loans | $33,038,500 | 4,432 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5057% | 4,027 |
| Cost of funding earning assets | 0.9258% | 785 |
| Net interest margin | 2.5799% | 4,522 |
| Noninterest income to average assets | 0.1082% | 4,718 |
| Noninterest expense to average assets | 1.5886% | 4,715 |
| Loan and lease loss provision to assets | 0.0112% | 4,223 |
| Net operating income to assets | 1.0114% | 2,254 |
| Return on assets (ROA) | 1.1856% | 1,710 |
| Pretax return on assets | 1.1856% | 2,381 |
| Return on Equity (ROE) | 10.7071% | 1,741 |
| Retained earnings to average equity (ytd only) | 4.5390% | 2,510 |
| Net charge-offs to loans | 0.0779% | 1,695 |
| Credit loss provision to net charge-offs | 34.6154% | 3,204 |
| Earnings coverage of net charge-offs (x) | 31.6154% | 1,563 |
| Efficiency ratio | 60.8385% | 3,343 |
| Assets per employee ($millions) | 7.5168% | 1,267 |
| Cash dividends to net income (ytd only)* | 57.6076% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 3,456 |
| Loan loss allowance to noncurrent loans | 1,052.7778% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 4,150 |
| Noncurrent loans to loans | 0.1046% | 3,874 |
| Net loans and leases to total assets | 37.7424% | 4,532 |
| Net loans and leases to deposits | 44.6338% | 4,509 |
| Net loans and leases to core deposits | 46.1238% | 4,543 |
| Total domestic deposits to total assets | 84.5600% | 2,926 |
| Equity capital to assets | 10.6551% | 2,557 |
| Core capital (leverage) ratio | 9.5998% | 3,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5366% | 624 |
| Memoranda: | ||
| Average total assets | $80,384,200 | 4,237 |
| Average earning assets | $77,987,400 | 4,187 |
| Average equity | $8,900,600 | 4,329 |
| Average total loans | $33,397,000 | 4,449 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6068% | 3,993 |
| Cost of funding earning assets | 0.9608% | 874 |
| Net interest margin | 2.6461% | 4,534 |
| Noninterest income to average assets | 0.1198% | 4,686 |
| Noninterest expense to average assets | 1.6219% | 4,713 |
| Loan and lease loss provision to assets | 0.0154% | 4,130 |
| Net operating income to assets | 1.0505% | 2,143 |
| Return on assets (ROA) | 1.2883% | 1,485 |
| Pretax return on assets | 1.2883% | 2,102 |
| Return on Equity (ROE) | 11.5095% | 1,510 |
| Retained earnings to average equity (ytd only) | 3.1181% | 3,464 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3437% | 3,343 |
| Assets per employee ($millions) | 6.9975% | 1,500 |
| Cash dividends to net income (ytd only)* | 72.9084% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 2,830 |
| Loan loss allowance to noncurrent loans | 604.4776% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.0798% | 4,030 |
| Noncurrent loans to loans | 0.1938% | 3,621 |
| Net loans and leases to total assets | 40.6943% | 4,542 |
| Net loans and leases to deposits | 48.6690% | 4,528 |
| Net loans and leases to core deposits | 50.1431% | 4,576 |
| Total domestic deposits to total assets | 83.6144% | 2,949 |
| Equity capital to assets | 11.1171% | 2,311 |
| Core capital (leverage) ratio | 9.9292% | 2,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7770% | 527 |
| Memoranda: | ||
| Average total assets | $77,930,000 | 4,277 |
| Average earning assets | $75,632,500 | 4,227 |
| Average equity | $8,723,000 | 4,363 |
| Average total loans | $33,140,500 | 4,485 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1761% | 2,835 |
| Cost of funding earning assets | 0.9951% | 998 |
| Net interest margin | 3.1810% | 3,718 |
| Noninterest income to average assets | 0.1396% | 4,604 |
| Noninterest expense to average assets | 1.7150% | 4,669 |
| Loan and lease loss provision to assets | 0.0237% | 3,950 |
| Net operating income to assets | 1.4832% | 953 |
| Return on assets (ROA) | 1.8520% | 495 |
| Pretax return on assets | 1.8520% | 734 |
| Return on Equity (ROE) | 16.4003% | 502 |
| Retained earnings to average equity (ytd only) | 11.0346% | 599 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2298% | 4,259 |
| Assets per employee ($millions) | 6.7723% | 1,579 |
| Cash dividends to net income (ytd only)* | 32.7169% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 2,640 |
| Loan loss allowance to noncurrent loans | 226.2570% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 3,448 |
| Noncurrent loans to loans | 0.5192% | 2,603 |
| Net loans and leases to total assets | 41.9279% | 4,532 |
| Net loans and leases to deposits | 50.4965% | 4,510 |
| Net loans and leases to core deposits | 52.0802% | 4,565 |
| Total domestic deposits to total assets | 83.0315% | 3,076 |
| Equity capital to assets | 11.6959% | 1,835 |
| Core capital (leverage) ratio | 10.9459% | 2,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9756% | 451 |
| Memoranda: | ||
| Average total assets | $75,916,667 | 4,307 |
| Average earning assets | $73,561,333 | 4,254 |
| Average equity | $8,573,000 | 4,399 |
| Average total loans | $32,662,000 | 4,515 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9643% | 3,888 |
| Cost of funding earning assets | 1.0320% | 1,290 |
| Net interest margin | 2.9323% | 4,380 |
| Noninterest income to average assets | 0.1092% | 4,790 |
| Noninterest expense to average assets | 1.7094% | 4,768 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2397% | 1,406 |
| Return on assets (ROA) | 2.0043% | 292 |
| Pretax return on assets | 2.0043% | 442 |
| Return on Equity (ROE) | 18.1078% | 258 |
| Retained earnings to average equity (ytd only) | 18.1078% | 87 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9630% | 4,006 |
| Assets per employee ($millions) | 5.4952% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 2,180 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 4,342 |
| Noncurrent loans to loans | 0.1174% | 4,052 |
| Net loans and leases to total assets | 42.3556% | 4,577 |
| Net loans and leases to deposits | 47.7225% | 4,669 |
| Net loans and leases to core deposits | 49.2785% | 4,693 |
| Total domestic deposits to total assets | 88.7539% | 780 |
| Equity capital to assets | 10.9256% | 2,920 |
| Core capital (leverage) ratio | 11.3428% | 2,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8391% | 397 |
| Memoranda: | ||
| Average total assets | $73,241,000 | 4,355 |
| Average earning assets | $70,933,000 | 4,299 |
| Average equity | $8,107,000 | 4,474 |
| Average total loans | $31,753,500 | 4,564 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 4,170 |
| Cost of funding earning assets | 0.9827% | 1,800 |
| Net interest margin | 3.0555% | 4,441 |
| Noninterest income to average assets | 0.1384% | 4,787 |
| Noninterest expense to average assets | 1.8050% | 4,767 |
| Loan and lease loss provision to assets | 0.0259% | 3,497 |
| Net operating income to assets | 1.2571% | 1,841 |
| Return on assets (ROA) | 1.2615% | 1,911 |
| Pretax return on assets | 1.2615% | 2,636 |
| Return on Equity (ROE) | 11.0650% | 1,858 |
| Retained earnings to average equity (ytd only) | 5.2353% | 2,295 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4500% | 3,920 |
| Assets per employee ($millions) | 5.7726% | 1,812 |
| Cash dividends to net income (ytd only)* | 52.6857% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 2,408 |
| Loan loss allowance to noncurrent loans | 203.0769% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 3,392 |
| Noncurrent loans to loans | 0.5936% | 2,403 |
| Net loans and leases to total assets | 43.2506% | 4,631 |
| Net loans and leases to deposits | 48.8884% | 4,715 |
| Net loans and leases to core deposits | 50.2050% | 4,756 |
| Total domestic deposits to total assets | 88.4681% | 902 |
| Equity capital to assets | 11.2054% | 2,811 |
| Core capital (leverage) ratio | 11.1577% | 2,368 |
| Tier 1 risk-based capital ratio | 20.4257% | 1,261 |
| Total risk-based capital ratio | 21.4874% | 1,267 |
| Memoranda: | ||
| Average total assets | $69,364,200 | 4,441 |
| Average earning assets | $66,960,800 | 4,392 |
| Average equity | $7,907,800 | 4,519 |
| Average total loans | $33,035,400 | 4,579 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1002% | 4,154 |
| Cost of funding earning assets | 0.9723% | 1,883 |
| Net interest margin | 3.1279% | 4,432 |
| Noninterest income to average assets | 0.1648% | 4,728 |
| Noninterest expense to average assets | 1.8623% | 4,746 |
| Loan and lease loss provision to assets | 0.0353% | 3,186 |
| Net operating income to assets | 1.2912% | 1,893 |
| Return on assets (ROA) | 1.2971% | 1,957 |
| Pretax return on assets | 1.2971% | 2,682 |
| Return on Equity (ROE) | 11.3243% | 1,883 |
| Retained earnings to average equity (ytd only) | 3.4264% | 3,695 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4000% | 3,877 |
| Assets per employee ($millions) | 5.2668% | 2,266 |
| Cash dividends to net income (ytd only)* | 69.7428% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 2,347 |
| Loan loss allowance to noncurrent loans | 130.6931% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.4425% | 2,755 |
| Noncurrent loans to loans | 0.9392% | 1,713 |
| Net loans and leases to total assets | 46.5408% | 4,578 |
| Net loans and leases to deposits | 53.1215% | 4,662 |
| Net loans and leases to core deposits | 54.9480% | 4,719 |
| Total domestic deposits to total assets | 87.6119% | 1,214 |
| Equity capital to assets | 11.9645% | 2,289 |
| Core capital (leverage) ratio | 11.4814% | 2,234 |
| Tier 1 risk-based capital ratio | 21.2135% | 1,171 |
| Total risk-based capital ratio | 22.3323% | 1,165 |
| Memoranda: | ||
| Average total assets | $67,944,250 | 4,515 |
| Average earning assets | $65,686,500 | 4,467 |
| Average equity | $7,782,500 | 4,587 |
| Average total loans | $33,081,000 | 4,638 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1085% | 4,139 |
| Cost of funding earning assets | 0.9493% | 1,917 |
| Net interest margin | 3.1592% | 4,442 |
| Noninterest income to average assets | 0.2095% | 4,484 |
| Noninterest expense to average assets | 1.8917% | 4,764 |
| Loan and lease loss provision to assets | 0.0354% | 3,117 |
| Net operating income to assets | 1.3369% | 1,627 |
| Return on assets (ROA) | 1.3428% | 1,673 |
| Pretax return on assets | 1.3428% | 2,407 |
| Return on Equity (ROE) | 11.9016% | 1,615 |
| Retained earnings to average equity (ytd only) | 5.7546% | 2,396 |
| Net charge-offs to loans | 0.0959% | 1,399 |
| Credit loss provision to net charge-offs | 75.0000% | 2,272 |
| Earnings coverage of net charge-offs (x) | 29.0625% | 1,502 |
| Efficiency ratio | 57.9566% | 4,022 |
| Assets per employee ($millions) | 5.1648% | 2,291 |
| Cash dividends to net income (ytd only)* | 51.6484% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 2,660 |
| Loan loss allowance to noncurrent loans | 97.3958% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.5719% | 2,301 |
| Noncurrent loans to loans | 1.2040% | 1,329 |
| Net loans and leases to total assets | 46.9446% | 4,605 |
| Net loans and leases to deposits | 53.6282% | 4,696 |
| Net loans and leases to core deposits | 55.5027% | 4,728 |
| Total domestic deposits to total assets | 87.5370% | 1,324 |
| Equity capital to assets | 12.0549% | 2,144 |
| Core capital (leverage) ratio | 11.7388% | 1,993 |
| Tier 1 risk-based capital ratio | 21.0106% | 1,174 |
| Total risk-based capital ratio | 22.0703% | 1,181 |
| Memoranda: | ||
| Average total assets | $67,769,330 | 4,553 |
| Average earning assets | $65,522,670 | 4,504 |
| Average equity | $7,646,000 | 4,631 |
| Average total loans | $33,354,000 | 4,665 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 4,006 |
| Cost of funding earning assets | 0.9065% | 1,969 |
| Net interest margin | 3.2426% | 4,296 |
| Noninterest income to average assets | 0.1116% | 5,040 |
| Noninterest expense to average assets | 1.7508% | 4,968 |
| Loan and lease loss provision to assets | 0.0353% | 2,919 |
| Net operating income to assets | 1.4571% | 1,209 |
| Return on assets (ROA) | 1.4571% | 1,241 |
| Pretax return on assets | 1.4571% | 1,897 |
| Return on Equity (ROE) | 13.3657% | 1,119 |
| Retained earnings to average equity (ytd only) | 13.3657% | 416 |
| Net charge-offs to loans | 0.1878% | 740 |
| Credit loss provision to net charge-offs | 37.5000% | 2,045 |
| Earnings coverage of net charge-offs (x) | 15.8750% | 1,725 |
| Efficiency ratio | 53.9855% | 4,533 |
| Assets per employee ($millions) | 5.0230% | 2,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 2,978 |
| Loan loss allowance to noncurrent loans | 150.8197% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 3,093 |
| Noncurrent loans to loans | 0.7479% | 2,161 |
| Net loans and leases to total assets | 49.4005% | 4,505 |
| Net loans and leases to deposits | 56.2368% | 4,587 |
| Net loans and leases to core deposits | 58.3855% | 4,629 |
| Total domestic deposits to total assets | 87.8436% | 1,423 |
| Equity capital to assets | 11.7904% | 2,162 |
| Core capital (leverage) ratio | 11.5823% | 2,073 |
| Tier 1 risk-based capital ratio | 21.0342% | 1,162 |
| Total risk-based capital ratio | 22.0749% | 1,165 |
| Memoranda: | ||
| Average total assets | $68,082,500 | 4,600 |
| Average earning assets | $65,749,500 | 4,547 |
| Average equity | $7,422,000 | 4,693 |
| Average total loans | $34,084,000 | 4,701 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9082% | 4,257 |
| Cost of funding earning assets | 0.8093% | 1,474 |
| Net interest margin | 3.0989% | 4,655 |
| Noninterest income to average assets | 0.0740% | 5,222 |
| Noninterest expense to average assets | 1.7794% | 5,020 |
| Loan and lease loss provision to assets | 0.0044% | 4,025 |
| Net operating income to assets | 1.2801% | 1,879 |
| Return on assets (ROA) | 1.2801% | 1,875 |
| Pretax return on assets | 1.2801% | 2,579 |
| Return on Equity (ROE) | 12.8224% | 1,411 |
| Retained earnings to average equity (ytd only) | 6.6002% | 1,864 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0767% | 4,148 |
| Assets per employee ($millions) | 5.4512% | 2,003 |
| Cash dividends to net income (ytd only)* | 48.5261% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 3,304 |
| Loan loss allowance to noncurrent loans | 216.0000% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 3,614 |
| Noncurrent loans to loans | 0.4924% | 2,797 |
| Net loans and leases to total assets | 49.6204% | 4,547 |
| Net loans and leases to deposits | 55.3956% | 4,689 |
| Net loans and leases to core deposits | 57.2928% | 4,729 |
| Total domestic deposits to total assets | 89.5747% | 632 |
| Equity capital to assets | 10.0824% | 3,596 |
| Core capital (leverage) ratio | 11.0253% | 2,502 |
| Tier 1 risk-based capital ratio | 18.6830% | 1,576 |
| Total risk-based capital ratio | 19.6629% | 1,594 |
| Memoranda: | ||
| Average total assets | $68,901,000 | 4,601 |
| Average earning assets | $66,476,200 | 4,550 |
| Average equity | $6,878,600 | 4,766 |
| Average total loans | $34,402,600 | 4,705 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8745% | 4,270 |
| Cost of funding earning assets | 0.8011% | 1,331 |
| Net interest margin | 3.0734% | 4,747 |
| Noninterest income to average assets | 0.0780% | 5,276 |
| Noninterest expense to average assets | 1.7405% | 5,096 |
| Loan and lease loss provision to assets | 0.0058% | 3,858 |
| Net operating income to assets | 1.3000% | 1,858 |
| Return on assets (ROA) | 1.3000% | 1,856 |
| Pretax return on assets | 1.3000% | 2,632 |
| Return on Equity (ROE) | 13.0550% | 1,409 |
| Retained earnings to average equity (ytd only) | 4.6779% | 3,406 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1337% | 4,238 |
| Assets per employee ($millions) | 5.0749% | 2,369 |
| Cash dividends to net income (ytd only)* | 64.1677% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 3,277 |
| Loan loss allowance to noncurrent loans | 101.6129% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.5639% | 2,500 |
| Noncurrent loans to loans | 1.0680% | 1,598 |
| Net loans and leases to total assets | 52.2221% | 4,472 |
| Net loans and leases to deposits | 58.4147% | 4,629 |
| Net loans and leases to core deposits | 60.5692% | 4,680 |
| Total domestic deposits to total assets | 89.3989% | 704 |
| Equity capital to assets | 10.1737% | 3,470 |
| Core capital (leverage) ratio | 10.9916% | 2,582 |
| Tier 1 risk-based capital ratio | 18.9039% | 1,559 |
| Total risk-based capital ratio | 19.9247% | 1,581 |
| Memoranda: | ||
| Average total assets | $68,409,750 | 4,654 |
| Average earning assets | $66,070,750 | 4,607 |
| Average equity | $6,812,000 | 4,822 |
| Average total loans | $34,117,750 | 4,764 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7816% | 4,387 |
| Cost of funding earning assets | 0.7755% | 1,254 |
| Net interest margin | 3.0061% | 4,869 |
| Noninterest income to average assets | 0.0896% | 5,298 |
| Noninterest expense to average assets | 1.7076% | 5,195 |
| Loan and lease loss provision to assets | 0.0087% | 3,673 |
| Net operating income to assets | 1.2742% | 1,881 |
| Return on assets (ROA) | 1.2742% | 1,884 |
| Pretax return on assets | 1.2742% | 2,618 |
| Return on Equity (ROE) | 12.8847% | 1,407 |
| Retained earnings to average equity (ytd only) | 6.7491% | 2,189 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1014% | 4,347 |
| Assets per employee ($millions) | 5.0442% | 2,360 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 2,965 |
| Loan loss allowance to noncurrent loans | 92.4205% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.6237% | 2,347 |
| Noncurrent loans to loans | 1.2470% | 1,382 |
| Net loans and leases to total assets | 49.4426% | 4,638 |
| Net loans and leases to deposits | 55.4298% | 4,781 |
| Net loans and leases to core deposits | 57.4828% | 4,816 |
| Total domestic deposits to total assets | 89.1986% | 854 |
| Equity capital to assets | 10.4003% | 3,212 |
| Core capital (leverage) ratio | 10.8721% | 2,637 |
| Tier 1 risk-based capital ratio | 19.7672% | 1,367 |
| Total risk-based capital ratio | 20.8359% | 1,371 |
| Memoranda: | ||
| Average total assets | $69,221,670 | 4,692 |
| Average earning assets | $66,797,670 | 4,644 |
| Average equity | $6,845,330 | 4,869 |
| Average total loans | $33,880,000 | 4,811 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7159% | 4,435 |
| Cost of funding earning assets | 0.7315% | 1,279 |
| Net interest margin | 2.9844% | 4,902 |
| Noninterest income to average assets | 0.1126% | 5,282 |
| Noninterest expense to average assets | 1.7003% | 5,246 |
| Loan and lease loss provision to assets | 0.0169% | 3,317 |
| Net operating income to assets | 1.2668% | 1,759 |
| Return on assets (ROA) | 1.2668% | 1,765 |
| Pretax return on assets | 1.2668% | 2,488 |
| Return on Equity (ROE) | 13.1234% | 1,229 |
| Retained earnings to average equity (ytd only) | 13.1234% | 503 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9811% | 4,465 |
| Assets per employee ($millions) | 5.6561% | 1,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 3,131 |
| Loan loss allowance to noncurrent loans | 222.3529% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 3,946 |
| Noncurrent loans to loans | 0.5137% | 2,976 |
| Net loans and leases to total assets | 44.4899% | 4,871 |
| Net loans and leases to deposits | 49.2191% | 4,998 |
| Net loans and leases to core deposits | 51.0518% | 5,012 |
| Total domestic deposits to total assets | 90.3915% | 504 |
| Equity capital to assets | 9.2834% | 4,280 |
| Core capital (leverage) ratio | 10.9985% | 2,441 |
| Tier 1 risk-based capital ratio | 18.2809% | 1,749 |
| Total risk-based capital ratio | 19.2701% | 1,780 |
| Memoranda: | ||
| Average total assets | $71,045,000 | 4,724 |
| Average earning assets | $68,355,000 | 4,672 |
| Average equity | $6,858,000 | 4,916 |
| Average total loans | $34,420,000 | 4,849 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8134% | 4,008 |
| Cost of funding earning assets | 0.7479% | 829 |
| Net interest margin | 3.0655% | 4,755 |
| Noninterest income to average assets | 0.0950% | 5,426 |
| Noninterest expense to average assets | 1.8614% | 5,174 |
| Loan and lease loss provision to assets | 0.0317% | 3,635 |
| Net operating income to assets | 1.1449% | 1,695 |
| Return on assets (ROA) | 1.1449% | 1,733 |
| Pretax return on assets | 1.1449% | 3,001 |
| Return on Equity (ROE) | 11.1287% | 1,424 |
| Retained earnings to average equity (ytd only) | 5.7036% | 1,706 |
| Net charge-offs to loans | 0.0029% | 4,007 |
| Credit loss provision to net charge-offs | 2,100.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 780.0000% | 107 |
| Efficiency ratio | 61.2711% | 4,060 |
| Assets per employee ($millions) | 5.2739% | 2,177 |
| Cash dividends to net income (ytd only)* | 48.7484% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 3,628 |
| Loan loss allowance to noncurrent loans | 182.9268% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 3,628 |
| Noncurrent loans to loans | 0.5734% | 2,782 |
| Net loans and leases to total assets | 51.5949% | 4,548 |
| Net loans and leases to deposits | 57.5786% | 4,714 |
| Net loans and leases to core deposits | 59.8960% | 4,760 |
| Total domestic deposits to total assets | 89.6078% | 730 |
| Equity capital to assets | 10.0494% | 3,646 |
| Core capital (leverage) ratio | 10.5929% | 2,745 |
| Tier 1 risk-based capital ratio | 17.3971% | 1,970 |
| Total risk-based capital ratio | 18.3611% | 2,016 |
| Memoranda: | ||
| Average total assets | $66,295,800 | 4,839 |
| Average earning assets | $63,644,000 | 4,793 |
| Average equity | $6,820,200 | 4,971 |
| Average total loans | $34,597,400 | 4,881 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7695% | 4,105 |
| Cost of funding earning assets | 0.7367% | 815 |
| Net interest margin | 3.0329% | 4,849 |
| Noninterest income to average assets | 0.1055% | 5,459 |
| Noninterest expense to average assets | 1.8195% | 5,252 |
| Loan and lease loss provision to assets | 0.0426% | 3,253 |
| Net operating income to assets | 1.1664% | 1,814 |
| Return on assets (ROA) | 1.1664% | 1,863 |
| Pretax return on assets | 1.1664% | 3,037 |
| Return on Equity (ROE) | 11.2697% | 1,584 |
| Retained earnings to average equity (ytd only) | 4.0375% | 3,519 |
| Net charge-offs to loans | -0.0039% | 4,416 |
| Credit loss provision to net charge-offs | -2,100.0000% | 5,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0804% | 4,198 |
| Assets per employee ($millions) | 5.1428% | 2,283 |
| Cash dividends to net income (ytd only)* | 64.1740% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 3,483 |
| Loan loss allowance to noncurrent loans | 114.2424% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.5265% | 2,956 |
| Noncurrent loans to loans | 0.9622% | 2,001 |
| Net loans and leases to total assets | 50.7322% | 4,658 |
| Net loans and leases to deposits | 56.8827% | 4,819 |
| Net loans and leases to core deposits | 59.2413% | 4,856 |
| Total domestic deposits to total assets | 89.1874% | 785 |
| Equity capital to assets | 10.3849% | 3,494 |
| Core capital (leverage) ratio | 10.3602% | 3,125 |
| Tier 1 risk-based capital ratio | 17.6028% | 1,975 |
| Total risk-based capital ratio | 18.6095% | 1,999 |
| Memoranda: | ||
| Average total assets | $65,729,500 | 4,903 |
| Average earning assets | $63,348,750 | 4,849 |
| Average equity | $6,802,750 | 5,029 |
| Average total loans | $34,309,500 | 4,940 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7471% | 4,088 |
| Cost of funding earning assets | 0.7259% | 780 |
| Net interest margin | 3.0212% | 4,861 |
| Noninterest income to average assets | 0.1224% | 5,436 |
| Noninterest expense to average assets | 1.8545% | 5,250 |
| Loan and lease loss provision to assets | 0.0459% | 3,069 |
| Net operating income to assets | 1.1262% | 1,869 |
| Return on assets (ROA) | 1.1262% | 1,920 |
| Pretax return on assets | 1.1262% | 3,063 |
| Return on Equity (ROE) | 10.8940% | 1,683 |
| Retained earnings to average equity (ytd only) | 5.3582% | 2,491 |
| Net charge-offs to loans | -0.0058% | 4,371 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2740% | 4,124 |
| Assets per employee ($millions) | 4.9895% | 2,397 |
| Cash dividends to net income (ytd only)* | 50.8152% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 3,480 |
| Loan loss allowance to noncurrent loans | 78.4355% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 0.7631% | 2,300 |
| Noncurrent loans to loans | 1.4250% | 1,337 |
| Net loans and leases to total assets | 50.6013% | 4,666 |
| Net loans and leases to deposits | 56.9559% | 4,806 |
| Net loans and leases to core deposits | 59.3945% | 4,852 |
| Total domestic deposits to total assets | 88.8428% | 1,038 |
| Equity capital to assets | 10.7332% | 3,100 |
| Core capital (leverage) ratio | 10.7410% | 2,662 |
| Tier 1 risk-based capital ratio | 18.0640% | 1,838 |
| Total risk-based capital ratio | 19.0849% | 1,861 |
| Memoranda: | ||
| Average total assets | $65,353,670 | 4,943 |
| Average earning assets | $62,822,330 | 4,888 |
| Average equity | $6,756,000 | 5,065 |
| Average total loans | $34,314,330 | 4,975 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7895% | 3,795 |
| Cost of funding earning assets | 0.6982% | 850 |
| Net interest margin | 3.0912% | 4,675 |
| Noninterest income to average assets | 0.1098% | 5,557 |
| Noninterest expense to average assets | 1.8415% | 5,318 |
| Loan and lease loss provision to assets | 0.0915% | 2,014 |
| Net operating income to assets | 1.1464% | 1,684 |
| Return on assets (ROA) | 1.1464% | 1,719 |
| Pretax return on assets | 1.1464% | 2,786 |
| Return on Equity (ROE) | 11.3032% | 1,463 |
| Retained earnings to average equity (ytd only) | 11.3032% | 561 |
| Net charge-offs to loans | -0.0115% | 4,485 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8020% | 4,482 |
| Assets per employee ($millions) | 4.9488% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 3,624 |
| Loan loss allowance to noncurrent loans | 162.0087% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 3,641 |
| Noncurrent loans to loans | 0.6880% | 2,784 |
| Net loans and leases to total assets | 51.1642% | 4,579 |
| Net loans and leases to deposits | 58.1904% | 4,681 |
| Net loans and leases to core deposits | 60.7273% | 4,737 |
| Total domestic deposits to total assets | 87.9255% | 1,759 |
| Equity capital to assets | 10.5232% | 3,158 |
| Core capital (leverage) ratio | 10.2678% | 3,164 |
| Tier 1 risk-based capital ratio | 18.1656% | 1,814 |
| Total risk-based capital ratio | 19.1912% | 1,858 |
| Memoranda: | ||
| Average total assets | $65,598,500 | 4,986 |
| Average earning assets | $63,017,000 | 4,938 |
| Average equity | $6,653,000 | 5,130 |
| Average total loans | $34,875,000 | 5,004 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7343% | 4,110 |
| Cost of funding earning assets | 0.6943% | 835 |
| Net interest margin | 3.0400% | 4,873 |
| Noninterest income to average assets | 0.0830% | 5,688 |
| Noninterest expense to average assets | 1.8502% | 5,425 |
| Loan and lease loss provision to assets | 0.0595% | 3,196 |
| Net operating income to assets | 1.0888% | 1,941 |
| Return on assets (ROA) | 1.0951% | 2,014 |
| Pretax return on assets | 1.0951% | 3,123 |
| Return on Equity (ROE) | 10.4678% | 1,775 |
| Retained earnings to average equity (ytd only) | 5.1216% | 2,268 |
| Net charge-offs to loans | -0.0145% | 5,039 |
| Credit loss provision to net charge-offs | -760.0000% | 5,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7032% | 4,309 |
| Assets per employee ($millions) | 5.1433% | 2,238 |
| Cash dividends to net income (ytd only)* | 51.0730% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 4,463 |
| Loan loss allowance to noncurrent loans | 71.8623% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7717% | 2,421 |
| Noncurrent loans to loans | 1.3548% | 1,515 |
| Net loans and leases to total assets | 54.0030% | 4,445 |
| Net loans and leases to deposits | 62.4425% | 4,514 |
| Net loans and leases to core deposits | 64.6598% | 4,598 |
| Total domestic deposits to total assets | 86.4843% | 2,378 |
| Equity capital to assets | 9.7752% | 3,976 |
| Core capital (leverage) ratio | 10.2816% | 3,128 |
| Tier 1 risk-based capital ratio | 16.1816% | 2,475 |
| Total risk-based capital ratio | 17.0820% | 2,540 |
| Memoranda: | ||
| Average total assets | $63,831,400 | 5,053 |
| Average earning assets | $61,216,800 | 4,992 |
| Average equity | $6,677,600 | 5,153 |
| Average total loans | $34,525,000 | 5,052 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7448% | 4,100 |
| Cost of funding earning assets | 0.6949% | 839 |
| Net interest margin | 3.0500% | 4,900 |
| Noninterest income to average assets | 0.0867% | 5,751 |
| Noninterest expense to average assets | 1.8454% | 5,464 |
| Loan and lease loss provision to assets | 0.0613% | 3,011 |
| Net operating income to assets | 1.1119% | 1,940 |
| Return on assets (ROA) | 1.1204% | 2,023 |
| Pretax return on assets | 1.1204% | 3,147 |
| Return on Equity (ROE) | 10.5266% | 1,856 |
| Retained earnings to average equity (ytd only) | 3.4360% | 3,839 |
| Net charge-offs to loans | -0.0157% | 4,927 |
| Credit loss provision to net charge-offs | -725.0000% | 5,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1345% | 4,368 |
| Assets per employee ($millions) | 4.7828% | 2,634 |
| Cash dividends to net income (ytd only)* | 67.3587% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 4,498 |
| Loan loss allowance to noncurrent loans | 69.8381% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 0.8299% | 2,470 |
| Noncurrent loans to loans | 1.4087% | 1,558 |
| Net loans and leases to total assets | 55.8470% | 4,324 |
| Net loans and leases to deposits | 65.7714% | 4,367 |
| Net loans and leases to core deposits | 68.3342% | 4,436 |
| Total domestic deposits to total assets | 84.9108% | 2,842 |
| Equity capital to assets | 10.9606% | 3,057 |
| Core capital (leverage) ratio | 10.4377% | 3,058 |
| Tier 1 risk-based capital ratio | 18.5193% | 1,785 |
| Total risk-based capital ratio | 19.5479% | 1,807 |
| Memoranda: | ||
| Average total assets | $63,073,500 | 5,120 |
| Average earning assets | $60,633,000 | 5,047 |
| Average equity | $6,713,000 | 5,201 |
| Average total loans | $34,040,500 | 5,112 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6995% | 4,303 |
| Cost of funding earning assets | 0.6840% | 868 |
| Net interest margin | 3.0155% | 5,043 |
| Noninterest income to average assets | 0.0978% | 5,789 |
| Noninterest expense to average assets | 1.8336% | 5,550 |
| Loan and lease loss provision to assets | 0.0821% | 2,498 |
| Net operating income to assets | 1.0762% | 2,059 |
| Return on assets (ROA) | 1.0888% | 2,124 |
| Pretax return on assets | 1.0888% | 3,244 |
| Return on Equity (ROE) | 10.3309% | 1,907 |
| Retained earnings to average equity (ytd only) | 4.7911% | 2,870 |
| Net charge-offs to loans | -0.0237% | 5,022 |
| Credit loss provision to net charge-offs | -650.0000% | 5,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2869% | 4,465 |
| Assets per employee ($millions) | 4.8072% | 2,547 |
| Cash dividends to net income (ytd only)* | 53.6232% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 4,306 |
| Loan loss allowance to noncurrent loans | 175.3846% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 4,103 |
| Noncurrent loans to loans | 0.5912% | 3,295 |
| Net loans and leases to total assets | 52.2298% | 4,654 |
| Net loans and leases to deposits | 60.2759% | 4,776 |
| Net loans and leases to core deposits | 62.5575% | 4,850 |
| Total domestic deposits to total assets | 86.6513% | 2,085 |
| Equity capital to assets | 10.9052% | 3,160 |
| Core capital (leverage) ratio | 10.5599% | 2,895 |
| Tier 1 risk-based capital ratio | 19.0195% | 1,690 |
| Total risk-based capital ratio | 20.0694% | 1,693 |
| Memoranda: | ||
| Average total assets | $63,372,330 | 5,163 |
| Average earning assets | $60,819,670 | 5,089 |
| Average equity | $6,679,000 | 5,253 |
| Average total loans | $33,697,670 | 5,181 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7425% | 4,159 |
| Cost of funding earning assets | 0.6751% | 916 |
| Net interest margin | 3.0674% | 4,954 |
| Noninterest income to average assets | 0.1066% | 5,803 |
| Noninterest expense to average assets | 1.7928% | 5,662 |
| Loan and lease loss provision to assets | 0.0940% | 2,120 |
| Net operating income to assets | 1.1534% | 1,702 |
| Return on assets (ROA) | 1.1597% | 1,786 |
| Pretax return on assets | 1.1597% | 2,854 |
| Return on Equity (ROE) | 11.1935% | 1,536 |
| Retained earnings to average equity (ytd only) | 11.1935% | 620 |
| Net charge-offs to loans | -0.0352% | 5,135 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9691% | 4,876 |
| Assets per employee ($millions) | 5.1758% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 4,660 |
| Loan loss allowance to noncurrent loans | 99.0991% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 0.5716% | 3,350 |
| Noncurrent loans to loans | 1.0002% | 2,386 |
| Net loans and leases to total assets | 53.0712% | 4,532 |
| Net loans and leases to deposits | 60.6488% | 4,667 |
| Net loans and leases to core deposits | 62.9034% | 4,759 |
| Total domestic deposits to total assets | 87.5058% | 1,920 |
| Equity capital to assets | 10.8567% | 3,109 |
| Core capital (leverage) ratio | 10.4864% | 2,984 |
| Tier 1 risk-based capital ratio | 18.5337% | 1,847 |
| Total risk-based capital ratio | 19.5187% | 1,874 |
| Memoranda: | ||
| Average total assets | $63,812,000 | 5,200 |
| Average earning assets | $61,029,500 | 5,129 |
| Average equity | $6,611,000 | 5,302 |
| Average total loans | $34,055,500 | 5,211 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6805% | 4,426 |
| Cost of funding earning assets | 0.7094% | 781 |
| Net interest margin | 2.9711% | 5,205 |
| Noninterest income to average assets | 0.1250% | 5,786 |
| Noninterest expense to average assets | 1.8656% | 5,657 |
| Loan and lease loss provision to assets | 0.0649% | 2,993 |
| Net operating income to assets | 1.0507% | 2,121 |
| Return on assets (ROA) | 1.0855% | 2,054 |
| Pretax return on assets | 1.0855% | 3,127 |
| Return on Equity (ROE) | 10.7429% | 1,712 |
| Retained earnings to average equity (ytd only) | 5.3558% | 2,170 |
| Net charge-offs to loans | 0.0678% | 2,884 |
| Credit loss provision to net charge-offs | 186.3636% | 1,477 |
| Earnings coverage of net charge-offs (x) | 32.0455% | 1,389 |
| Efficiency ratio | 62.5796% | 4,521 |
| Assets per employee ($millions) | 5.4596% | 1,855 |
| Cash dividends to net income (ytd only)* | 50.1458% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 5,097 |
| Loan loss allowance to noncurrent loans | 124.3028% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.4167% | 3,934 |
| Noncurrent loans to loans | 0.7209% | 3,023 |
| Net loans and leases to total assets | 52.6704% | 4,640 |
| Net loans and leases to deposits | 59.4815% | 4,806 |
| Net loans and leases to core deposits | 61.0614% | 4,926 |
| Total domestic deposits to total assets | 88.5492% | 1,352 |
| Equity capital to assets | 9.8893% | 4,084 |
| Core capital (leverage) ratio | 10.2290% | 3,225 |
| Tier 1 risk-based capital ratio | 17.0718% | 2,256 |
| Total risk-based capital ratio | 17.9163% | 2,360 |
| Memoranda: | ||
| Average total assets | $63,196,400 | 5,237 |
| Average earning assets | $60,752,200 | 5,169 |
| Average equity | $6,385,600 | 5,361 |
| Average total loans | $32,452,200 | 5,279 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7108% | 4,388 |
| Cost of funding earning assets | 0.7218% | 746 |
| Net interest margin | 2.9889% | 5,224 |
| Noninterest income to average assets | 0.1341% | 5,814 |
| Noninterest expense to average assets | 1.8568% | 5,701 |
| Loan and lease loss provision to assets | 0.0681% | 2,817 |
| Net operating income to assets | 1.0923% | 2,046 |
| Return on assets (ROA) | 1.0923% | 2,127 |
| Pretax return on assets | 1.0923% | 3,263 |
| Return on Equity (ROE) | 10.7506% | 1,806 |
| Retained earnings to average equity (ytd only) | 3.5417% | 3,947 |
| Net charge-offs to loans | 0.0753% | 2,488 |
| Credit loss provision to net charge-offs | 177.7778% | 1,481 |
| Earnings coverage of net charge-offs (x) | 30.2771% | 1,483 |
| Efficiency ratio | 61.5385% | 4,641 |
| Assets per employee ($millions) | 5.1583% | 2,105 |
| Cash dividends to net income (ytd only)* | 67.0575% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 4,944 |
| Loan loss allowance to noncurrent loans | 128.4519% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 0.4216% | 4,086 |
| Noncurrent loans to loans | 0.7459% | 3,093 |
| Net loans and leases to total assets | 51.2649% | 4,828 |
| Net loans and leases to deposits | 59.3218% | 4,902 |
| Net loans and leases to core deposits | 61.0309% | 5,001 |
| Total domestic deposits to total assets | 86.4184% | 2,319 |
| Equity capital to assets | 10.2391% | 3,883 |
| Core capital (leverage) ratio | 10.0203% | 3,598 |
| Tier 1 risk-based capital ratio | 17.2501% | 2,279 |
| Total risk-based capital ratio | 18.1133% | 2,378 |
| Memoranda: | ||
| Average total assets | $62,616,750 | 5,326 |
| Average earning assets | $60,399,250 | 5,238 |
| Average equity | $6,362,250 | 5,428 |
| Average total loans | $31,860,500 | 5,358 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7064% | 4,386 |
| Cost of funding earning assets | 0.7367% | 690 |
| Net interest margin | 2.9698% | 5,288 |
| Noninterest income to average assets | 0.1209% | 5,939 |
| Noninterest expense to average assets | 1.8360% | 5,802 |
| Loan and lease loss provision to assets | 0.0732% | 2,642 |
| Net operating income to assets | 1.0723% | 2,050 |
| Return on assets (ROA) | 1.0723% | 2,148 |
| Pretax return on assets | 1.0723% | 3,288 |
| Return on Equity (ROE) | 10.5803% | 1,822 |
| Retained earnings to average equity (ytd only) | 5.0547% | 2,828 |
| Net charge-offs to loans | 0.1195% | 1,816 |
| Credit loss provision to net charge-offs | 121.0526% | 1,796 |
| Earnings coverage of net charge-offs (x) | 18.9474% | 1,778 |
| Efficiency ratio | 61.5795% | 4,745 |
| Assets per employee ($millions) | 4.6699% | 2,718 |
| Cash dividends to net income (ytd only)* | 52.2255% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 5,011 |
| Loan loss allowance to noncurrent loans | 138.7850% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 4,042 |
| Noncurrent loans to loans | 0.6978% | 3,399 |
| Net loans and leases to total assets | 50.0272% | 4,929 |
| Net loans and leases to deposits | 56.9631% | 5,067 |
| Net loans and leases to core deposits | 58.9511% | 5,138 |
| Total domestic deposits to total assets | 87.8239% | 1,743 |
| Equity capital to assets | 10.4548% | 3,492 |
| Core capital (leverage) ratio | 9.9556% | 3,672 |
| Tier 1 risk-based capital ratio | 17.3781% | 2,258 |
| Total risk-based capital ratio | 18.2205% | 2,370 |
| Memoranda: | ||
| Average total assets | $62,855,670 | 5,378 |
| Average earning assets | $60,543,330 | 5,294 |
| Average equity | $6,370,330 | 5,478 |
| Average total loans | $31,800,670 | 5,405 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6545% | 4,521 |
| Cost of funding earning assets | 0.7557% | 634 |
| Net interest margin | 2.8988% | 5,457 |
| Noninterest income to average assets | 0.1502% | 5,839 |
| Noninterest expense to average assets | 1.8458% | 5,831 |
| Loan and lease loss provision to assets | 0.0876% | 2,229 |
| Net operating income to assets | 1.0011% | 2,269 |
| Return on assets (ROA) | 1.0011% | 2,402 |
| Pretax return on assets | 1.0011% | 3,502 |
| Return on Equity (ROE) | 10.0282% | 1,997 |
| Retained earnings to average equity (ytd only) | 10.0282% | 921 |
| Net charge-offs to loans | 0.2101% | 1,104 |
| Credit loss provision to net charge-offs | 82.3529% | 1,809 |
| Earnings coverage of net charge-offs (x) | 10.2353% | 1,949 |
| Efficiency ratio | 62.8998% | 4,640 |
| Assets per employee ($millions) | 4.7982% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9426% | 5,280 |
| Loan loss allowance to noncurrent loans | 104.3165% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.5659% | 3,783 |
| Noncurrent loans to loans | 0.9036% | 2,979 |
| Net loans and leases to total assets | 48.8601% | 4,951 |
| Net loans and leases to deposits | 55.5947% | 5,076 |
| Net loans and leases to core deposits | 58.1023% | 5,118 |
| Total domestic deposits to total assets | 87.8864% | 1,889 |
| Equity capital to assets | 10.4367% | 3,603 |
| Core capital (leverage) ratio | 9.6173% | 4,125 |
| Tier 1 risk-based capital ratio | 17.4139% | 2,332 |
| Total risk-based capital ratio | 18.2384% | 2,437 |
| Memoranda: | ||
| Average total assets | $63,929,000 | 5,399 |
| Average earning assets | $61,404,000 | 5,314 |
| Average equity | $6,382,000 | 5,518 |
| Average total loans | $32,367,000 | 5,428 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6478% | 4,941 |
| Cost of funding earning assets | 0.8596% | 481 |
| Net interest margin | 2.7883% | 5,826 |
| Noninterest income to average assets | 0.1054% | 6,132 |
| Noninterest expense to average assets | 1.8279% | 6,033 |
| Loan and lease loss provision to assets | 0.0425% | 3,717 |
| Net operating income to assets | 0.9139% | 2,812 |
| Return on assets (ROA) | 0.9659% | 2,637 |
| Pretax return on assets | 0.9659% | 3,625 |
| Return on Equity (ROE) | 10.2751% | 1,998 |
| Retained earnings to average equity (ytd only) | 5.5727% | 2,214 |
| Net charge-offs to loans | 0.0033% | 4,897 |
| Credit loss provision to net charge-offs | 2,700.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 608.0000% | 85 |
| Efficiency ratio | 65.6497% | 4,314 |
| Assets per employee ($millions) | 5.0371% | 2,272 |
| Cash dividends to net income (ytd only)* | 45.7655% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8626% | 5,594 |
| Loan loss allowance to noncurrent loans | 103.9007% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 3,884 |
| Noncurrent loans to loans | 0.8302% | 3,236 |
| Net loans and leases to total assets | 51.4248% | 4,837 |
| Net loans and leases to deposits | 57.8800% | 5,070 |
| Net loans and leases to core deposits | 60.3336% | 5,116 |
| Total domestic deposits to total assets | 88.8473% | 1,325 |
| Equity capital to assets | 9.5507% | 4,659 |
| Core capital (leverage) ratio | 9.4694% | 4,286 |
| Tier 1 risk-based capital ratio | 16.4802% | 2,723 |
| Total risk-based capital ratio | 17.2896% | 2,883 |
| Memoranda: | ||
| Average total assets | $63,570,600 | 5,459 |
| Average earning assets | $61,077,400 | 5,367 |
| Average equity | $5,975,600 | 5,625 |
| Average total loans | $30,203,000 | 5,556 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6106% | 5,114 |
| Cost of funding earning assets | 0.8730% | 481 |
| Net interest margin | 2.7376% | 5,962 |
| Noninterest income to average assets | 0.1141% | 6,191 |
| Noninterest expense to average assets | 1.7772% | 6,123 |
| Loan and lease loss provision to assets | 0.0380% | 3,645 |
| Net operating income to assets | 0.9362% | 2,751 |
| Return on assets (ROA) | 0.9975% | 2,525 |
| Pretax return on assets | 0.9975% | 3,604 |
| Return on Equity (ROE) | 10.6556% | 1,922 |
| Retained earnings to average equity (ytd only) | 4.3119% | 3,586 |
| Net charge-offs to loans | 0.0045% | 4,547 |
| Credit loss provision to net charge-offs | 1,800.0000% | 200 |
| Earnings coverage of net charge-offs (x) | 462.1429% | 163 |
| Efficiency ratio | 64.5929% | 4,448 |
| Assets per employee ($millions) | 4.7368% | 2,609 |
| Cash dividends to net income (ytd only)* | 59.5341% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 5,608 |
| Loan loss allowance to noncurrent loans | 63.3929% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 0.7957% | 3,431 |
| Noncurrent loans to loans | 1.4150% | 2,298 |
| Net loans and leases to total assets | 50.9524% | 4,900 |
| Net loans and leases to deposits | 58.8944% | 5,024 |
| Net loans and leases to core deposits | 61.3184% | 5,086 |
| Total domestic deposits to total assets | 86.5149% | 2,580 |
| Equity capital to assets | 9.8443% | 4,369 |
| Core capital (leverage) ratio | 9.4501% | 4,436 |
| Tier 1 risk-based capital ratio | 17.1673% | 2,539 |
| Total risk-based capital ratio | 18.0044% | 2,653 |
| Memoranda: | ||
| Average total assets | $63,092,750 | 5,533 |
| Average earning assets | $60,782,000 | 5,433 |
| Average equity | $5,906,000 | 5,696 |
| Average total loans | $29,262,000 | 5,649 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5264% | 5,353 |
| Cost of funding earning assets | 0.8759% | 491 |
| Net interest margin | 2.6505% | 6,115 |
| Noninterest income to average assets | 0.1226% | 6,188 |
| Noninterest expense to average assets | 1.7391% | 6,225 |
| Loan and lease loss provision to assets | 0.0377% | 3,540 |
| Net operating income to assets | 0.8963% | 2,832 |
| Return on assets (ROA) | 0.9654% | 2,564 |
| Pretax return on assets | 0.9654% | 3,622 |
| Return on Equity (ROE) | 10.4886% | 1,945 |
| Retained earnings to average equity (ytd only) | 5.3639% | 2,725 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0588% | 4,525 |
| Assets per employee ($millions) | 5.2413% | 1,926 |
| Cash dividends to net income (ytd only)* | 48.8599% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9825% | 5,421 |
| Loan loss allowance to noncurrent loans | 60.5206% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 0.7997% | 3,570 |
| Noncurrent loans to loans | 1.6234% | 2,142 |
| Net loans and leases to total assets | 44.7078% | 5,483 |
| Net loans and leases to deposits | 49.7761% | 5,647 |
| Net loans and leases to core deposits | 51.7036% | 5,677 |
| Total domestic deposits to total assets | 89.8180% | 894 |
| Equity capital to assets | 9.6526% | 4,556 |
| Core capital (leverage) ratio | 9.1326% | 4,839 |
| Tier 1 risk-based capital ratio | 18.0675% | 2,218 |
| Total risk-based capital ratio | 18.9382% | 2,322 |
| Memoranda: | ||
| Average total assets | $63,597,330 | 5,572 |
| Average earning assets | $61,196,000 | 5,476 |
| Average equity | $5,854,000 | 5,747 |
| Average total loans | $28,462,670 | 5,722 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5259% | 5,360 |
| Cost of funding earning assets | 0.8847% | 492 |
| Net interest margin | 2.6412% | 6,183 |
| Noninterest income to average assets | 0.1314% | 6,191 |
| Noninterest expense to average assets | 1.6951% | 6,352 |
| Loan and lease loss provision to assets | 0.0375% | 3,310 |
| Net operating income to assets | 0.9383% | 2,462 |
| Return on assets (ROA) | 0.9383% | 2,535 |
| Pretax return on assets | 0.9383% | 3,560 |
| Return on Equity (ROE) | 10.4430% | 1,891 |
| Retained earnings to average equity (ytd only) | 10.4430% | 859 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4660% | 4,942 |
| Assets per employee ($millions) | 5.3579% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 5,459 |
| Loan loss allowance to noncurrent loans | 80.1170% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 4,359 |
| Noncurrent loans to loans | 1.2670% | 2,915 |
| Net loans and leases to total assets | 41.5569% | 5,703 |
| Net loans and leases to deposits | 46.0038% | 5,850 |
| Net loans and leases to core deposits | 47.7278% | 5,892 |
| Total domestic deposits to total assets | 90.3336% | 902 |
| Equity capital to assets | 9.1562% | 4,931 |
| Core capital (leverage) ratio | 9.0748% | 4,901 |
| Tier 1 risk-based capital ratio | 18.4884% | 2,129 |
| Total risk-based capital ratio | 19.3644% | 2,221 |
| Memoranda: | ||
| Average total assets | $63,948,500 | 5,623 |
| Average earning assets | $61,487,500 | 5,525 |
| Average equity | $5,745,500 | 5,808 |
| Average total loans | $28,495,000 | 5,774 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4532% | 5,726 |
| Cost of funding earning assets | 0.9492% | 579 |
| Net interest margin | 2.5040% | 6,370 |
| Noninterest income to average assets | 0.2263% | 5,722 |
| Noninterest expense to average assets | 1.7945% | 6,329 |
| Loan and lease loss provision to assets | 0.0289% | 4,536 |
| Net operating income to assets | 0.8122% | 3,231 |
| Return on assets (ROA) | 0.8475% | 3,124 |
| Pretax return on assets | 0.8475% | 3,972 |
| Return on Equity (ROE) | 9.1214% | 2,482 |
| Retained earnings to average equity (ytd only) | 4.9926% | 2,604 |
| Net charge-offs to loans | 0.1620% | 3,193 |
| Credit loss provision to net charge-offs | 40.9091% | 4,023 |
| Earnings coverage of net charge-offs (x) | 11.9091% | 2,186 |
| Efficiency ratio | 68.0877% | 4,184 |
| Assets per employee ($millions) | 5.3002% | 1,849 |
| Cash dividends to net income (ytd only)* | 45.2652% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 5,959 |
| Loan loss allowance to noncurrent loans | 77.3913% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 0.6085% | 4,412 |
| Noncurrent loans to loans | 1.1501% | 3,240 |
| Net loans and leases to total assets | 46.7438% | 5,418 |
| Net loans and leases to deposits | 51.6433% | 5,652 |
| Net loans and leases to core deposits | 53.5965% | 5,697 |
| Total domestic deposits to total assets | 90.5129% | 805 |
| Equity capital to assets | 8.8110% | 5,243 |
| Core capital (leverage) ratio | 9.0355% | 4,946 |
| Tier 1 risk-based capital ratio | 17.1393% | 2,545 |
| Total risk-based capital ratio | 17.9517% | 2,713 |
| Memoranda: | ||
| Average total assets | $62,301,600 | 5,695 |
| Average earning assets | $59,943,600 | 5,591 |
| Average equity | $5,788,600 | 5,864 |
| Average total loans | $27,158,000 | 5,883 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4184% | 5,845 |
| Cost of funding earning assets | 0.9556% | 623 |
| Net interest margin | 2.4628% | 6,462 |
| Noninterest income to average assets | 0.2711% | 5,509 |
| Noninterest expense to average assets | 1.7813% | 6,365 |
| Loan and lease loss provision to assets | 0.0258% | 4,492 |
| Net operating income to assets | 0.8368% | 3,157 |
| Return on assets (ROA) | 0.8368% | 3,284 |
| Pretax return on assets | 0.8368% | 4,157 |
| Return on Equity (ROE) | 8.8890% | 2,693 |
| Retained earnings to average equity (ytd only) | 3.4277% | 4,245 |
| Net charge-offs to loans | 0.2016% | 2,622 |
| Credit loss provision to net charge-offs | 30.0000% | 3,894 |
| Earnings coverage of net charge-offs (x) | 10.0253% | 2,405 |
| Efficiency ratio | 67.3718% | 4,216 |
| Assets per employee ($millions) | 4.3731% | 3,094 |
| Cash dividends to net income (ytd only)* | 61.4403% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 5,850 |
| Loan loss allowance to noncurrent loans | 75.4986% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 0.6337% | 4,540 |
| Noncurrent loans to loans | 1.2830% | 3,265 |
| Net loans and leases to total assets | 44.2530% | 5,705 |
| Net loans and leases to deposits | 49.0105% | 5,906 |
| Net loans and leases to core deposits | 50.9353% | 5,957 |
| Total domestic deposits to total assets | 90.2929% | 844 |
| Equity capital to assets | 8.9264% | 5,270 |
| Core capital (leverage) ratio | 8.9314% | 5,224 |
| Tier 1 risk-based capital ratio | 17.6556% | 2,455 |
| Total risk-based capital ratio | 18.5073% | 2,567 |
| Memoranda: | ||
| Average total assets | $61,976,500 | 5,767 |
| Average earning assets | $59,714,500 | 5,656 |
| Average equity | $5,834,750 | 5,925 |
| Average total loans | $26,448,250 | 5,976 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3962% | 5,919 |
| Cost of funding earning assets | 0.9508% | 710 |
| Net interest margin | 2.4454% | 6,505 |
| Noninterest income to average assets | 0.3375% | 4,978 |
| Noninterest expense to average assets | 1.7548% | 6,444 |
| Loan and lease loss provision to assets | 0.0386% | 4,180 |
| Net operating income to assets | 0.8999% | 2,798 |
| Return on assets (ROA) | 0.8999% | 2,938 |
| Pretax return on assets | 0.8999% | 3,909 |
| Return on Equity (ROE) | 9.3991% | 2,458 |
| Retained earnings to average equity (ytd only) | 5.2702% | 2,876 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1551% | 4,685 |
| Assets per employee ($millions) | 4.4306% | 2,926 |
| Cash dividends to net income (ytd only)* | 43.9286% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 5,153 |
| Loan loss allowance to noncurrent loans | 78.8114% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 0.7480% | 4,340 |
| Noncurrent loans to loans | 1.4825% | 3,083 |
| Net loans and leases to total assets | 41.5941% | 5,929 |
| Net loans and leases to deposits | 46.1555% | 6,094 |
| Net loans and leases to core deposits | 47.9474% | 6,132 |
| Total domestic deposits to total assets | 90.1174% | 965 |
| Equity capital to assets | 9.1539% | 5,043 |
| Core capital (leverage) ratio | 8.9679% | 5,048 |
| Tier 1 risk-based capital ratio | 17.8932% | 2,351 |
| Total risk-based capital ratio | 18.8854% | 2,427 |
| Memoranda: | ||
| Average total assets | $62,227,670 | 5,798 |
| Average earning assets | $59,950,000 | 5,697 |
| Average equity | $5,958,000 | 5,948 |
| Average total loans | $26,145,000 | 6,017 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3684% | 6,007 |
| Cost of funding earning assets | 0.9520% | 778 |
| Net interest margin | 2.4165% | 6,580 |
| Noninterest income to average assets | 0.1348% | 6,423 |
| Noninterest expense to average assets | 1.7007% | 6,560 |
| Loan and lease loss provision to assets | 0.0385% | 3,950 |
| Net operating income to assets | 0.7252% | 3,565 |
| Return on assets (ROA) | 0.7252% | 3,700 |
| Pretax return on assets | 0.7252% | 4,466 |
| Return on Equity (ROE) | 7.4123% | 3,259 |
| Retained earnings to average equity (ytd only) | 7.4123% | 1,979 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0104% | 4,145 |
| Assets per employee ($millions) | 4.7620% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 5,157 |
| Loan loss allowance to noncurrent loans | 123.5537% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 5,415 |
| Noncurrent loans to loans | 0.9758% | 4,181 |
| Net loans and leases to total assets | 39.5777% | 6,028 |
| Net loans and leases to deposits | 44.2808% | 6,183 |
| Net loans and leases to core deposits | 45.7458% | 6,225 |
| Total domestic deposits to total assets | 89.3791% | 1,434 |
| Equity capital to assets | 9.9166% | 4,253 |
| Core capital (leverage) ratio | 8.9750% | 4,930 |
| Tier 1 risk-based capital ratio | 18.5574% | 2,169 |
| Total risk-based capital ratio | 19.5742% | 2,216 |
| Memoranda: | ||
| Average total assets | $62,327,500 | 5,855 |
| Average earning assets | $60,087,000 | 5,747 |
| Average equity | $6,098,000 | 5,957 |
| Average total loans | $26,165,000 | 6,064 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8465% | 5,717 |
| Cost of funding earning assets | 1.1423% | 760 |
| Net interest margin | 2.7041% | 6,513 |
| Noninterest income to average assets | 0.1574% | 6,254 |
| Noninterest expense to average assets | 1.9585% | 6,398 |
| Loan and lease loss provision to assets | 0.0205% | 5,644 |
| Net operating income to assets | 0.7697% | 3,414 |
| Return on assets (ROA) | 0.8005% | 3,536 |
| Pretax return on assets | 0.8005% | 4,295 |
| Return on Equity (ROE) | 7.9279% | 3,116 |
| Retained earnings to average equity (ytd only) | 4.4552% | 3,101 |
| Net charge-offs to loans | -0.0231% | 6,576 |
| Credit loss provision to net charge-offs | -200.0000% | 6,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2508% | 3,578 |
| Assets per employee ($millions) | 4.8268% | 2,456 |
| Cash dividends to net income (ytd only)* | 43.8034% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 5,700 |
| Loan loss allowance to noncurrent loans | 145.7711% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 5,708 |
| Noncurrent loans to loans | 0.7301% | 4,719 |
| Net loans and leases to total assets | 43.4063% | 5,870 |
| Net loans and leases to deposits | 48.4265% | 6,080 |
| Net loans and leases to core deposits | 50.0018% | 6,148 |
| Total domestic deposits to total assets | 89.6333% | 1,169 |
| Equity capital to assets | 9.6527% | 4,648 |
| Core capital (leverage) ratio | 9.2866% | 4,439 |
| Tier 1 risk-based capital ratio | 17.7171% | 2,377 |
| Total risk-based capital ratio | 18.6885% | 2,446 |
| Memoranda: | ||
| Average total assets | $58,461,800 | 5,958 |
| Average earning assets | $56,025,000 | 5,864 |
| Average equity | $5,903,200 | 6,047 |
| Average total loans | $25,999,800 | 6,136 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9221% | 5,730 |
| Cost of funding earning assets | 1.1887% | 727 |
| Net interest margin | 2.7334% | 6,601 |
| Noninterest income to average assets | 0.1580% | 6,361 |
| Noninterest expense to average assets | 1.9724% | 6,397 |
| Loan and lease loss provision to assets | 0.0139% | 5,636 |
| Net operating income to assets | 0.7945% | 3,477 |
| Return on assets (ROA) | 0.7945% | 3,718 |
| Pretax return on assets | 0.7945% | 4,502 |
| Return on Equity (ROE) | 7.7751% | 3,380 |
| Retained earnings to average equity (ytd only) | 3.1145% | 4,682 |
| Net charge-offs to loans | -0.0312% | 6,583 |
| Credit loss provision to net charge-offs | -100.0000% | 6,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9273% | 3,514 |
| Assets per employee ($millions) | 4.3974% | 3,077 |
| Cash dividends to net income (ytd only)* | 59.9421% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 5,716 |
| Loan loss allowance to noncurrent loans | 172.8916% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 5,979 |
| Noncurrent loans to loans | 0.6372% | 5,169 |
| Net loans and leases to total assets | 45.0705% | 5,863 |
| Net loans and leases to deposits | 51.2420% | 6,026 |
| Net loans and leases to core deposits | 53.7734% | 6,063 |
| Total domestic deposits to total assets | 87.9561% | 2,069 |
| Equity capital to assets | 10.5762% | 3,761 |
| Core capital (leverage) ratio | 9.3094% | 4,570 |
| Tier 1 risk-based capital ratio | 19.0186% | 2,007 |
| Total risk-based capital ratio | 20.0649% | 2,034 |
| Memoranda: | ||
| Average total assets | $57,390,000 | 6,054 |
| Average earning assets | $55,071,250 | 5,962 |
| Average equity | $5,864,750 | 6,130 |
| Average total loans | $25,617,250 | 6,238 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9036% | 5,907 |
| Cost of funding earning assets | 1.2056% | 795 |
| Net interest margin | 2.6980% | 6,709 |
| Noninterest income to average assets | 0.1566% | 6,409 |
| Noninterest expense to average assets | 1.9873% | 6,458 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7552% | 3,576 |
| Return on assets (ROA) | 0.7552% | 3,854 |
| Pretax return on assets | 0.7552% | 4,628 |
| Return on Equity (ROE) | 7.4772% | 3,536 |
| Retained earnings to average equity (ytd only) | 4.2038% | 3,814 |
| Net charge-offs to loans | -0.0157% | 6,379 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4619% | 3,347 |
| Assets per employee ($millions) | 4.3662% | 3,139 |
| Cash dividends to net income (ytd only)* | 43.7788% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 5,837 |
| Loan loss allowance to noncurrent loans | 147.3404% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 5,927 |
| Noncurrent loans to loans | 0.7372% | 5,036 |
| Net loans and leases to total assets | 44.4433% | 5,970 |
| Net loans and leases to deposits | 50.4298% | 6,153 |
| Net loans and leases to core deposits | 52.9346% | 6,166 |
| Total domestic deposits to total assets | 88.1290% | 2,056 |
| Equity capital to assets | 10.4281% | 3,773 |
| Core capital (leverage) ratio | 9.1472% | 4,691 |
| Tier 1 risk-based capital ratio | 19.2561% | 1,906 |
| Total risk-based capital ratio | 20.2813% | 1,942 |
| Memoranda: | ||
| Average total assets | $57,464,670 | 6,093 |
| Average earning assets | $55,077,000 | 5,995 |
| Average equity | $5,804,330 | 6,173 |
| Average total loans | $25,472,330 | 6,288 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8598% | 6,120 |
| Cost of funding earning assets | 1.2357% | 823 |
| Net interest margin | 2.6241% | 6,863 |
| Noninterest income to average assets | 0.1799% | 6,300 |
| Noninterest expense to average assets | 1.9787% | 6,506 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6988% | 3,886 |
| Return on assets (ROA) | 0.6988% | 4,102 |
| Pretax return on assets | 0.6988% | 4,793 |
| Return on Equity (ROE) | 7.0298% | 3,769 |
| Retained earnings to average equity (ytd only) | 7.0298% | 2,425 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9018% | 3,111 |
| Assets per employee ($millions) | 4.4279% | 3,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 5,716 |
| Loan loss allowance to noncurrent loans | 305.5556% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 6,497 |
| Noncurrent loans to loans | 0.3761% | 5,919 |
| Net loans and leases to total assets | 41.0906% | 6,256 |
| Net loans and leases to deposits | 46.0874% | 6,423 |
| Net loans and leases to core deposits | 48.2616% | 6,443 |
| Total domestic deposits to total assets | 89.1580% | 1,591 |
| Equity capital to assets | 10.0186% | 4,105 |
| Core capital (leverage) ratio | 9.1735% | 4,562 |
| Tier 1 risk-based capital ratio | 19.5554% | 1,824 |
| Total risk-based capital ratio | 20.5933% | 1,853 |
| Memoranda: | ||
| Average total assets | $57,817,000 | 6,120 |
| Average earning assets | $55,028,500 | 6,032 |
| Average equity | $5,747,000 | 6,213 |
| Average total loans | $25,457,000 | 6,340 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0565% | 6,350 |
| Cost of funding earning assets | 1.3970% | 1,051 |
| Net interest margin | 2.6595% | 6,962 |
| Noninterest income to average assets | 0.1718% | 6,255 |
| Noninterest expense to average assets | 1.9931% | 6,682 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6924% | 3,527 |
| Return on assets (ROA) | 0.6924% | 3,715 |
| Pretax return on assets | 0.6924% | 4,349 |
| Return on Equity (ROE) | 7.1210% | 3,342 |
| Retained earnings to average equity (ytd only) | 3.8641% | 3,458 |
| Net charge-offs to loans | 0.0121% | 6,261 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 129.0000% | 255 |
| Efficiency ratio | 74.2172% | 3,192 |
| Assets per employee ($millions) | 4.4670% | 2,969 |
| Cash dividends to net income (ytd only)* | 45.7364% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 6,124 |
| Loan loss allowance to noncurrent loans | 170.8075% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 6,268 |
| Noncurrent loans to loans | 0.5966% | 5,521 |
| Net loans and leases to total assets | 45.9971% | 6,014 |
| Net loans and leases to deposits | 51.4951% | 6,255 |
| Net loans and leases to core deposits | 53.8974% | 6,310 |
| Total domestic deposits to total assets | 89.3234% | 1,351 |
| Equity capital to assets | 9.8621% | 4,353 |
| Core capital (leverage) ratio | 9.0544% | 4,689 |
| Tier 1 risk-based capital ratio | 17.7224% | 2,297 |
| Total risk-based capital ratio | 18.6822% | 2,374 |
| Memoranda: | ||
| Average total assets | $55,892,200 | 6,165 |
| Average earning assets | $52,828,600 | 6,085 |
| Average equity | $5,434,600 | 6,312 |
| Average total loans | $24,850,600 | 6,428 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1179% | 6,371 |
| Cost of funding earning assets | 1.4380% | 1,083 |
| Net interest margin | 2.6800% | 7,007 |
| Noninterest income to average assets | 0.1734% | 6,348 |
| Noninterest expense to average assets | 1.9826% | 6,727 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7275% | 3,474 |
| Return on assets (ROA) | 0.7275% | 3,656 |
| Pretax return on assets | 0.7275% | 4,387 |
| Return on Equity (ROE) | 7.5102% | 3,270 |
| Retained earnings to average equity (ytd only) | 3.1085% | 4,471 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1556% | 3,340 |
| Assets per employee ($millions) | 4.2782% | 3,318 |
| Cash dividends to net income (ytd only)* | 58.6078% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 5,704 |
| Loan loss allowance to noncurrent loans | 93.9189% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.5322% | 5,765 |
| Noncurrent loans to loans | 1.2194% | 4,512 |
| Net loans and leases to total assets | 43.1469% | 6,415 |
| Net loans and leases to deposits | 48.5730% | 6,594 |
| Net loans and leases to core deposits | 50.9588% | 6,624 |
| Total domestic deposits to total assets | 88.8290% | 1,534 |
| Equity capital to assets | 10.2433% | 4,027 |
| Core capital (leverage) ratio | 9.1018% | 4,787 |
| Tier 1 risk-based capital ratio | 18.6555% | 2,047 |
| Total risk-based capital ratio | 19.6937% | 2,072 |
| Memoranda: | ||
| Average total assets | $55,347,500 | 6,229 |
| Average earning assets | $52,387,250 | 6,153 |
| Average equity | $5,361,500 | 6,382 |
| Average total loans | $24,316,750 | 6,515 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0881% | 6,519 |
| Cost of funding earning assets | 1.4726% | 1,103 |
| Net interest margin | 2.6155% | 7,107 |
| Noninterest income to average assets | 0.1810% | 6,363 |
| Noninterest expense to average assets | 1.9653% | 6,855 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6841% | 3,633 |
| Return on assets (ROA) | 0.6841% | 3,748 |
| Pretax return on assets | 0.6841% | 4,447 |
| Return on Equity (ROE) | 7.2005% | 3,349 |
| Retained earnings to average equity (ytd only) | 4.2288% | 3,507 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1803% | 3,334 |
| Assets per employee ($millions) | 4.2585% | 3,239 |
| Cash dividends to net income (ytd only)* | 41.2698% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 5,515 |
| Loan loss allowance to noncurrent loans | 71.8346% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 0.6991% | 5,509 |
| Noncurrent loans to loans | 1.6790% | 3,909 |
| Net loans and leases to total assets | 41.1344% | 6,657 |
| Net loans and leases to deposits | 46.1570% | 6,820 |
| Net loans and leases to core deposits | 48.4263% | 6,837 |
| Total domestic deposits to total assets | 89.1185% | 1,468 |
| Equity capital to assets | 9.9765% | 4,182 |
| Core capital (leverage) ratio | 8.8826% | 4,911 |
| Tier 1 risk-based capital ratio | 19.0334% | 1,832 |
| Total risk-based capital ratio | 20.0955% | 1,862 |
| Memoranda: | ||
| Average total assets | $55,257,670 | 6,286 |
| Average earning assets | $52,151,330 | 6,214 |
| Average equity | $5,249,670 | 6,451 |
| Average total loans | $24,330,670 | 6,571 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0280% | 6,638 |
| Cost of funding earning assets | 1.5038% | 1,148 |
| Net interest margin | 2.5242% | 7,176 |
| Noninterest income to average assets | 0.2101% | 6,235 |
| Noninterest expense to average assets | 1.9635% | 6,888 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6304% | 3,864 |
| Return on assets (ROA) | 0.6304% | 3,932 |
| Pretax return on assets | 0.6304% | 4,569 |
| Return on Equity (ROE) | 6.8062% | 3,484 |
| Retained earnings to average equity (ytd only) | 6.8062% | 2,234 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6983% | 3,209 |
| Assets per employee ($millions) | 4.2858% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 5,534 |
| Loan loss allowance to noncurrent loans | 125.2252% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.3984% | 6,209 |
| Noncurrent loans to loans | 0.9736% | 5,095 |
| Net loans and leases to total assets | 40.4247% | 6,748 |
| Net loans and leases to deposits | 45.0541% | 6,911 |
| Net loans and leases to core deposits | 47.3142% | 6,908 |
| Total domestic deposits to total assets | 89.7247% | 1,342 |
| Equity capital to assets | 9.3887% | 4,597 |
| Core capital (leverage) ratio | 8.9180% | 4,743 |
| Tier 1 risk-based capital ratio | 19.1346% | 1,766 |
| Total risk-based capital ratio | 20.2077% | 1,774 |
| Memoranda: | ||
| Average total assets | $55,206,500 | 6,337 |
| Average earning assets | $52,134,500 | 6,266 |
| Average equity | $5,113,000 | 6,513 |
| Average total loans | $24,971,000 | 6,587 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6071% | 6,091 |
| Cost of funding earning assets | 1.7026% | 1,589 |
| Net interest margin | 2.9045% | 6,886 |
| Noninterest income to average assets | 0.1618% | 6,558 |
| Noninterest expense to average assets | 2.2065% | 6,595 |
| Loan and lease loss provision to assets | 0.0457% | 6,710 |
| Net operating income to assets | 0.6397% | 3,488 |
| Return on assets (ROA) | 0.7977% | 2,948 |
| Pretax return on assets | 0.7958% | 3,655 |
| Return on Equity (ROE) | 8.0500% | 2,683 |
| Retained earnings to average equity (ytd only) | 2.1902% | 4,359 |
| Net charge-offs to loans | 0.0272% | 6,534 |
| Credit loss provision to net charge-offs | 342.8571% | 749 |
| Earnings coverage of net charge-offs (x) | 51.2857% | 456 |
| Efficiency ratio | 76.3505% | 2,998 |
| Assets per employee ($millions) | 4.2075% | 3,370 |
| Cash dividends to net income (ytd only)* | 72.7924% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 6,264 |
| Loan loss allowance to noncurrent loans | 117.2996% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.4333% | 6,185 |
| Noncurrent loans to loans | 0.8732% | 5,317 |
| Net loans and leases to total assets | 49.1124% | 6,261 |
| Net loans and leases to deposits | 54.8292% | 6,534 |
| Net loans and leases to core deposits | 57.6385% | 6,591 |
| Total domestic deposits to total assets | 89.5735% | 1,345 |
| Equity capital to assets | 9.1321% | 4,942 |
| Core capital (leverage) ratio | 9.0703% | 4,413 |
| Tier 1 risk-based capital ratio | 17.4983% | 2,176 |
| Total risk-based capital ratio | 18.4970% | 2,216 |
| Memoranda: | ||
| Average total assets | $52,526,800 | 6,443 |
| Average earning assets | $49,336,600 | 6,394 |
| Average equity | $5,205,000 | 6,596 |
| Average total loans | $25,738,200 | 6,624 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6559% | 6,168 |
| Cost of funding earning assets | 1.7353% | 1,697 |
| Net interest margin | 2.9205% | 6,976 |
| Noninterest income to average assets | 0.1590% | 6,724 |
| Noninterest expense to average assets | 2.1673% | 6,694 |
| Loan and lease loss provision to assets | 0.0462% | 6,625 |
| Net operating income to assets | 0.6848% | 3,497 |
| Return on assets (ROA) | 0.8977% | 2,768 |
| Pretax return on assets | 0.8951% | 3,576 |
| Return on Equity (ROE) | 8.8761% | 2,531 |
| Retained earnings to average equity (ytd only) | 1.1412% | 5,366 |
| Net charge-offs to loans | 0.0368% | 6,194 |
| Credit loss provision to net charge-offs | 257.1429% | 1,285 |
| Earnings coverage of net charge-offs (x) | 40.5852% | 677 |
| Efficiency ratio | 74.8450% | 3,173 |
| Assets per employee ($millions) | 4.0502% | 3,736 |
| Cash dividends to net income (ytd only)* | 87.1427% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 6,121 |
| Loan loss allowance to noncurrent loans | 82.9268% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.6989% | 5,718 |
| Noncurrent loans to loans | 1.2768% | 4,721 |
| Net loans and leases to total assets | 48.2736% | 6,496 |
| Net loans and leases to deposits | 54.2959% | 6,752 |
| Net loans and leases to core deposits | 57.6023% | 6,756 |
| Total domestic deposits to total assets | 88.9083% | 1,444 |
| Equity capital to assets | 10.0832% | 4,053 |
| Core capital (leverage) ratio | 9.2322% | 4,310 |
| Tier 1 risk-based capital ratio | 18.4668% | 1,876 |
| Total risk-based capital ratio | 19.5130% | 1,901 |
| Memoranda: | ||
| Average total assets | $51,984,250 | 6,541 |
| Average earning assets | $48,711,500 | 6,482 |
| Average equity | $5,257,500 | 6,653 |
| Average total loans | $25,387,500 | 6,735 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6425% | 6,334 |
| Cost of funding earning assets | 1.7466% | 1,885 |
| Net interest margin | 2.8959% | 7,012 |
| Noninterest income to average assets | 0.1584% | 6,761 |
| Noninterest expense to average assets | 2.1444% | 6,780 |
| Loan and lease loss provision to assets | 0.0464% | 6,505 |
| Net operating income to assets | 0.6878% | 3,461 |
| Return on assets (ROA) | 1.0085% | 2,238 |
| Pretax return on assets | 1.0046% | 3,099 |
| Return on Equity (ROE) | 9.9612% | 2,119 |
| Retained earnings to average equity (ytd only) | 3.3204% | 3,998 |
| Net charge-offs to loans | 0.0554% | 5,610 |
| Credit loss provision to net charge-offs | 171.4286% | 2,278 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 986 |
| Efficiency ratio | 74.5968% | 3,350 |
| Assets per employee ($millions) | 4.0513% | 3,673 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 6,119 |
| Loan loss allowance to noncurrent loans | 92.3611% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.6228% | 5,940 |
| Noncurrent loans to loans | 1.1508% | 5,035 |
| Net loans and leases to total assets | 47.0105% | 6,706 |
| Net loans and leases to deposits | 52.5914% | 6,938 |
| Net loans and leases to core deposits | 55.7736% | 6,952 |
| Total domestic deposits to total assets | 89.3880% | 1,231 |
| Equity capital to assets | 10.0234% | 3,996 |
| Core capital (leverage) ratio | 9.1654% | 4,354 |
| Tier 1 risk-based capital ratio | 19.0461% | 1,710 |
| Total risk-based capital ratio | 20.0920% | 1,728 |
| Memoranda: | ||
| Average total assets | $51,761,670 | 6,593 |
| Average earning assets | $48,551,000 | 6,528 |
| Average equity | $5,240,330 | 6,701 |
| Average total loans | $25,287,000 | 6,783 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7828% | 5,953 |
| Cost of funding earning assets | 1.7468% | 2,144 |
| Net interest margin | 3.0360% | 6,749 |
| Noninterest income to average assets | 0.1403% | 6,976 |
| Noninterest expense to average assets | 2.0893% | 6,972 |
| Loan and lease loss provision to assets | 0.0468% | 6,196 |
| Net operating income to assets | 0.8575% | 2,721 |
| Return on assets (ROA) | 1.5046% | 953 |
| Pretax return on assets | 1.4968% | 1,531 |
| Return on Equity (ROE) | 14.7864% | 909 |
| Retained earnings to average equity (ytd only) | 13.6372% | 545 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9739% | 4,304 |
| Assets per employee ($millions) | 3.9674% | 3,954 |
| Cash dividends to net income (ytd only)* | 7.7720% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 6,062 |
| Loan loss allowance to noncurrent loans | 91.1263% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.5681% | 6,083 |
| Noncurrent loans to loans | 1.1937% | 4,975 |
| Net loans and leases to total assets | 47.0723% | 6,747 |
| Net loans and leases to deposits | 52.8012% | 6,994 |
| Net loans and leases to core deposits | 55.0609% | 7,047 |
| Total domestic deposits to total assets | 89.1500% | 1,438 |
| Equity capital to assets | 10.2451% | 3,541 |
| Core capital (leverage) ratio | 9.6534% | 3,575 |
| Tier 1 risk-based capital ratio | 19.7140% | 1,581 |
| Total risk-based capital ratio | 20.7806% | 1,578 |
| Memoranda: | ||
| Average total assets | $51,309,000 | 6,688 |
| Average earning assets | $48,089,000 | 6,624 |
| Average equity | $5,221,000 | 6,775 |
| Average total loans | $25,418,000 | 6,852 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3172% | 5,093 |
| Cost of funding earning assets | 2.1060% | 2,427 |
| Net interest margin | 3.2112% | 6,050 |
| Noninterest income to average assets | 0.1809% | 6,796 |
| Noninterest expense to average assets | 2.5772% | 5,876 |
| Loan and lease loss provision to assets | 0.0488% | 7,075 |
| Net operating income to assets | 0.5610% | 3,480 |
| Return on assets (ROA) | 1.6788% | 492 |
| Pretax return on assets | 1.6788% | 822 |
| Return on Equity (ROE) | 16.8297% | 472 |
| Retained earnings to average equity (ytd only) | 8.4556% | 595 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8673% | 2,766 |
| Assets per employee ($millions) | 3.9263% | 3,962 |
| Cash dividends to net income (ytd only)* | 49.7579% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 6,434 |
| Loan loss allowance to noncurrent loans | 122.5352% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 6,415 |
| Noncurrent loans to loans | 0.8102% | 5,665 |
| Net loans and leases to total assets | 50.9972% | 6,530 |
| Net loans and leases to deposits | 56.9983% | 6,855 |
| Net loans and leases to core deposits | 69.4800% | 6,805 |
| Total domestic deposits to total assets | 89.4714% | 1,220 |
| Equity capital to assets | 10.1054% | 3,611 |
| Core capital (leverage) ratio | 9.5628% | 3,648 |
| Tier 1 risk-based capital ratio | 18.5234% | 1,746 |
| Total risk-based capital ratio | 19.5397% | 1,767 |
| Memoranda: | ||
| Average total assets | $49,200,600 | 6,742 |
| Average earning assets | $46,057,800 | 6,680 |
| Average equity | $4,908,000 | 6,977 |
| Average total loans | $25,782,200 | 6,868 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4208% | 4,844 |
| Cost of funding earning assets | 2.1672% | 2,567 |
| Net interest margin | 3.2537% | 5,816 |
| Noninterest income to average assets | 0.1915% | 6,851 |
| Noninterest expense to average assets | 2.5304% | 5,971 |
| Loan and lease loss provision to assets | 0.0574% | 6,786 |
| Net operating income to assets | 0.6511% | 3,398 |
| Return on assets (ROA) | 2.1556% | 222 |
| Pretax return on assets | 2.1556% | 392 |
| Return on Equity (ROE) | 21.6828% | 218 |
| Retained earnings to average equity (ytd only) | 10.3461% | 571 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1250% | 3,146 |
| Assets per employee ($millions) | 3.6998% | 4,426 |
| Cash dividends to net income (ytd only)* | 52.2843% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 6,130 |
| Loan loss allowance to noncurrent loans | 62.4697% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 0.8587% | 5,373 |
| Noncurrent loans to loans | 1.6406% | 4,186 |
| Net loans and leases to total assets | 51.8005% | 6,621 |
| Net loans and leases to deposits | 58.3995% | 6,940 |
| Net loans and leases to core deposits | 69.1277% | 7,008 |
| Total domestic deposits to total assets | 88.7002% | 1,340 |
| Equity capital to assets | 10.7135% | 3,275 |
| Core capital (leverage) ratio | 9.6990% | 3,645 |
| Tier 1 risk-based capital ratio | 19.8770% | 1,584 |
| Total risk-based capital ratio | 20.9639% | 1,571 |
| Memoranda: | ||
| Average total assets | $48,740,250 | 6,814 |
| Average earning assets | $45,649,750 | 6,750 |
| Average equity | $4,845,500 | 7,060 |
| Average total loans | $25,655,000 | 6,933 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4095% | 5,100 |
| Cost of funding earning assets | 2.2215% | 2,697 |
| Net interest margin | 3.1880% | 5,958 |
| Noninterest income to average assets | 0.2124% | 6,781 |
| Noninterest expense to average assets | 2.1980% | 7,057 |
| Loan and lease loss provision to assets | 0.0490% | 6,741 |
| Net operating income to assets | 0.9437% | 2,298 |
| Return on assets (ROA) | 0.9437% | 2,394 |
| Pretax return on assets | 0.9437% | 3,200 |
| Return on Equity (ROE) | 9.7407% | 2,115 |
| Retained earnings to average equity (ytd only) | 2.7830% | 3,779 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8860% | 4,997 |
| Assets per employee ($millions) | 3.7271% | 4,264 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 6,292 |
| Loan loss allowance to noncurrent loans | 70.1408% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 0.7327% | 5,583 |
| Noncurrent loans to loans | 1.4178% | 4,374 |
| Net loans and leases to total assets | 51.1620% | 6,768 |
| Net loans and leases to deposits | 56.8620% | 7,101 |
| Net loans and leases to core deposits | 67.6740% | 7,136 |
| Total domestic deposits to total assets | 89.9756% | 846 |
| Equity capital to assets | 9.5414% | 4,554 |
| Core capital (leverage) ratio | 9.0278% | 4,584 |
| Tier 1 risk-based capital ratio | 18.3243% | 1,928 |
| Total risk-based capital ratio | 19.3597% | 1,929 |
| Memoranda: | ||
| Average total assets | $48,954,330 | 6,870 |
| Average earning assets | $45,734,330 | 6,806 |
| Average equity | $4,743,000 | 7,155 |
| Average total loans | $25,815,670 | 6,977 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5484% | 4,647 |
| Cost of funding earning assets | 2.2650% | 2,864 |
| Net interest margin | 3.2834% | 5,553 |
| Noninterest income to average assets | 0.2439% | 6,507 |
| Noninterest expense to average assets | 2.1380% | 7,038 |
| Loan and lease loss provision to assets | 0.0244% | 6,605 |
| Net operating income to assets | 1.1218% | 1,892 |
| Return on assets (ROA) | 1.1218% | 2,014 |
| Pretax return on assets | 1.1218% | 2,904 |
| Return on Equity (ROE) | 11.4928% | 1,812 |
| Retained earnings to average equity (ytd only) | 11.4928% | 882 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0990% | 5,492 |
| Assets per employee ($millions) | 3.8665% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 6,529 |
| Loan loss allowance to noncurrent loans | 68.5714% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 0.6963% | 5,416 |
| Noncurrent loans to loans | 1.3782% | 4,247 |
| Net loans and leases to total assets | 50.0477% | 6,862 |
| Net loans and leases to deposits | 56.2938% | 7,146 |
| Net loans and leases to core deposits | 66.8954% | 7,199 |
| Total domestic deposits to total assets | 88.9046% | 1,269 |
| Equity capital to assets | 9.6311% | 4,480 |
| Core capital (leverage) ratio | 9.3571% | 4,162 |
| Tier 1 risk-based capital ratio | 18.1634% | 2,011 |
| Total risk-based capital ratio | 19.1364% | 2,029 |
| Memoranda: | ||
| Average total assets | $49,205,500 | 6,900 |
| Average earning assets | $45,562,500 | 6,854 |
| Average equity | $4,803,000 | 7,185 |
| Average total loans | $26,204,500 | 6,996 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2039% | 4,496 |
| Cost of funding earning assets | 2.6309% | 3,526 |
| Net interest margin | 3.5730% | 5,000 |
| Noninterest income to average assets | 0.1913% | 7,089 |
| Noninterest expense to average assets | 2.3992% | 6,395 |
| Loan and lease loss provision to assets | 0.0129% | 7,209 |
| Net operating income to assets | 1.1222% | 2,065 |
| Return on assets (ROA) | 1.1222% | 1,977 |
| Pretax return on assets | 1.1222% | 2,948 |
| Return on Equity (ROE) | 12.0321% | 1,586 |
| Retained earnings to average equity (ytd only) | 7.2607% | 1,067 |
| Net charge-offs to loans | 0.0114% | 6,762 |
| Credit loss provision to net charge-offs | 200.0000% | 2,433 |
| Earnings coverage of net charge-offs (x) | 176.0000% | 261 |
| Efficiency ratio | 67.8832% | 4,743 |
| Assets per employee ($millions) | 3.7036% | 4,170 |
| Cash dividends to net income (ytd only)* | 39.6552% | 3,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8774% | 6,784 |
| Loan loss allowance to noncurrent loans | 128.1081% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 6,090 |
| Noncurrent loans to loans | 0.6849% | 5,325 |
| Net loans and leases to total assets | 55.6130% | 6,474 |
| Net loans and leases to deposits | 62.7719% | 6,891 |
| Net loans and leases to core deposits | 75.7133% | 6,872 |
| Total domestic deposits to total assets | 88.5953% | 1,205 |
| Equity capital to assets | 9.8968% | 4,162 |
| Core capital (leverage) ratio | 9.2772% | 4,330 |
| Tier 1 risk-based capital ratio | 16.7625% | 2,398 |
| Total risk-based capital ratio | 17.6775% | 2,449 |
| Memoranda: | ||
| Average total assets | $46,516,400 | 6,919 |
| Average earning assets | $43,520,800 | 6,875 |
| Average equity | $4,338,400 | 7,378 |
| Average total loans | $26,254,600 | 6,949 |