Home > The Watkins Savings Bank > Performance and Condition Ratios
The Watkins Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0355% | 4,515 |
| Cost of funding earning assets | 1.1365% | 2,967 |
| Net interest margin | 1.8990% | 4,439 |
| Noninterest income to average assets | 0.0200% | 4,491 |
| Noninterest expense to average assets | 1.3978% | 4,391 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3844% | 3,903 |
| Return on assets (ROA) | 0.3536% | 3,947 |
| Pretax return on assets | 0.4055% | 3,952 |
| Return on Equity (ROE) | 3.1300% | 4,004 |
| Retained earnings to average equity (ytd only) | 0.2133% | 4,002 |
| 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 | 76.0165% | 1,243 |
| Assets per employee ($millions) | 11.3793% | 483 |
| Cash dividends to net income (ytd only)* | 93.1900% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5467% | 4,300 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 38.8200% | 4,076 |
| Net loans and leases to deposits | 44.2304% | 4,099 |
| Net loans and leases to core deposits | 49.5164% | 4,093 |
| Total domestic deposits to total assets | 87.7800% | 1,421 |
| Equity capital to assets | 11.8699% | 1,178 |
| Core capital (leverage) ratio | 16.6713% | 413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $78,910,200 | 4,022 |
| Average earning assets | $75,408,400 | 3,975 |
| Average equity | $8,908,200 | 3,831 |
| Average total loans | $30,030,800 | 4,136 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0058% | 4,525 |
| Cost of funding earning assets | 1.0457% | 2,904 |
| Net interest margin | 1.9602% | 4,452 |
| Noninterest income to average assets | 0.0300% | 4,496 |
| Noninterest expense to average assets | 1.3871% | 4,408 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4277% | 3,910 |
| Return on assets (ROA) | 0.3878% | 3,982 |
| Pretax return on assets | 0.4641% | 3,968 |
| Return on Equity (ROE) | 3.4800% | 4,050 |
| Retained earnings to average equity (ytd only) | 3.4809% | 3,390 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.0598% | 1,448 |
| Assets per employee ($millions) | 10.8201% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5893% | 4,283 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 37.8600% | 4,131 |
| Net loans and leases to deposits | 42.6504% | 4,144 |
| Net loans and leases to core deposits | 47.5085% | 4,097 |
| Total domestic deposits to total assets | 88.7800% | 1,325 |
| Equity capital to assets | 10.8303% | 1,417 |
| Core capital (leverage) ratio | 16.6031% | 440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $78,724,000 | 4,043 |
| Average earning assets | $75,229,250 | 3,995 |
| Average equity | $8,771,500 | 3,851 |
| Average total loans | $29,764,750 | 4,157 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8964% | 4,571 |
| Cost of funding earning assets | 0.9069% | 2,903 |
| Net interest margin | 1.9895% | 4,501 |
| Noninterest income to average assets | 0.0300% | 4,529 |
| Noninterest expense to average assets | 1.3773% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4597% | 3,891 |
| Return on assets (ROA) | 0.4014% | 4,009 |
| Pretax return on assets | 0.4842% | 3,992 |
| Return on Equity (ROE) | 3.5700% | 4,085 |
| Retained earnings to average equity (ytd only) | 3.5710% | 3,327 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.2987% | 1,631 |
| Assets per employee ($millions) | 11.3830% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5962% | 4,305 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 35.5700% | 4,190 |
| Net loans and leases to deposits | 40.2037% | 4,211 |
| Net loans and leases to core deposits | 44.3200% | 4,164 |
| Total domestic deposits to total assets | 88.4800% | 1,434 |
| Equity capital to assets | 11.1670% | 1,314 |
| Core capital (leverage) ratio | 16.6147% | 419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $79,718,333 | 4,050 |
| Average earning assets | $76,302,333 | 3,998 |
| Average equity | $8,961,000 | 3,852 |
| Average total loans | $30,070,000 | 4,164 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8323% | 4,596 |
| Cost of funding earning assets | 0.7682% | 2,845 |
| Net interest margin | 2.0641% | 4,545 |
| Noninterest income to average assets | 0.0400% | 4,561 |
| Noninterest expense to average assets | 1.3143% | 4,530 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6170% | 3,660 |
| Return on assets (ROA) | 0.6170% | 3,612 |
| Pretax return on assets | 0.7023% | 3,657 |
| Return on Equity (ROE) | 5.4700% | 3,811 |
| Retained earnings to average equity (ytd only) | 5.4712% | 2,901 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.1741% | 2,302 |
| Assets per employee ($millions) | 11.2547% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5715% | 4,387 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 37.5400% | 4,134 |
| Net loans and leases to deposits | 42.7288% | 4,138 |
| Net loans and leases to core deposits | 46.8746% | 4,082 |
| Total domestic deposits to total assets | 87.8600% | 1,972 |
| Equity capital to assets | 11.8642% | 1,039 |
| Core capital (leverage) ratio | 16.4468% | 426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $79,737,000 | 4,101 |
| Average earning assets | $76,546,000 | 4,046 |
| Average equity | $8,992,500 | 3,897 |
| Average total loans | $30,848,000 | 4,212 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5679% | 4,474 |
| Cost of funding earning assets | 0.4728% | 1,566 |
| Net interest margin | 2.0952% | 4,524 |
| Noninterest income to average assets | 0.0200% | 4,633 |
| Noninterest expense to average assets | 1.2819% | 4,566 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6734% | 3,695 |
| Return on assets (ROA) | 0.6734% | 3,646 |
| Pretax return on assets | 0.7616% | 3,715 |
| Return on Equity (ROE) | 5.6000% | 3,904 |
| Retained earnings to average equity (ytd only) | 2.3601% | 3,900 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.7322% | 2,670 |
| Assets per employee ($millions) | 11.5273% | 446 |
| Cash dividends to net income (ytd only)* | 57.8182% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5321% | 4,410 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 39.3800% | 4,085 |
| Net loans and leases to deposits | 44.2021% | 4,108 |
| Net loans and leases to core deposits | 46.9334% | 4,087 |
| Total domestic deposits to total assets | 89.1000% | 1,688 |
| Equity capital to assets | 10.7050% | 1,373 |
| Core capital (leverage) ratio | 16.2084% | 438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $81,675,000 | 4,109 |
| Average earning assets | $78,896,400 | 4,051 |
| Average equity | $9,830,000 | 3,890 |
| Average total loans | $29,961,800 | 4,242 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5154% | 4,435 |
| Cost of funding earning assets | 0.4492% | 982 |
| Net interest margin | 2.0661% | 4,534 |
| Noninterest income to average assets | 0.0200% | 4,670 |
| Noninterest expense to average assets | 1.3069% | 4,575 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6559% | 3,679 |
| Return on assets (ROA) | 0.6559% | 3,638 |
| Pretax return on assets | 0.7145% | 3,771 |
| Return on Equity (ROE) | 5.3100% | 3,925 |
| Retained earnings to average equity (ytd only) | 5.3053% | 2,995 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.6538% | 2,463 |
| Assets per employee ($millions) | 11.3403% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5646% | 4,410 |
| Loan loss allowance to noncurrent loans | 85.0000% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 1,958 |
| Noncurrent loans to loans | 0.6643% | 1,227 |
| Net loans and leases to total assets | 37.7200% | 4,158 |
| Net loans and leases to deposits | 42.0864% | 4,178 |
| Net loans and leases to core deposits | 44.7051% | 4,155 |
| Total domestic deposits to total assets | 89.6100% | 1,824 |
| Equity capital to assets | 10.2215% | 1,506 |
| Core capital (leverage) ratio | 16.0804% | 439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $81,921,000 | 4,129 |
| Average earning assets | $79,244,500 | 4,070 |
| Average equity | $10,128,000 | 3,905 |
| Average total loans | $29,464,750 | 4,274 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4567% | 4,414 |
| Cost of funding earning assets | 0.4446% | 706 |
| Net interest margin | 2.0120% | 4,551 |
| Noninterest income to average assets | 0.0242% | 4,695 |
| Noninterest expense to average assets | 1.3121% | 4,589 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6114% | 3,599 |
| Return on assets (ROA) | 0.6114% | 3,545 |
| Pretax return on assets | 0.6693% | 3,655 |
| Return on Equity (ROE) | 4.6855% | 3,875 |
| Retained earnings to average equity (ytd only) | 4.6855% | 2,825 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2195% | 2,482 |
| Assets per employee ($millions) | 13.6203% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6030% | 4,459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 34.2906% | 4,320 |
| Net loans and leases to deposits | 38.7235% | 4,306 |
| Net loans and leases to core deposits | 41.0678% | 4,295 |
| Total domestic deposits to total assets | 88.5527% | 2,356 |
| Equity capital to assets | 11.2797% | 1,108 |
| Core capital (leverage) ratio | 15.8951% | 382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,767,333 | 4,165 |
| Average earning assets | $80,515,333 | 4,115 |
| Average equity | $10,799,333 | 3,905 |
| Average total loans | $29,250,000 | 4,331 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4128% | 4,363 |
| Cost of funding earning assets | 0.4414% | 686 |
| Net interest margin | 1.9715% | 4,535 |
| Noninterest income to average assets | 0.0384% | 4,686 |
| Noninterest expense to average assets | 1.2535% | 4,645 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6579% | 3,202 |
| Return on assets (ROA) | 0.6579% | 3,178 |
| Pretax return on assets | 0.7156% | 3,348 |
| Return on Equity (ROE) | 4.7282% | 3,691 |
| Retained earnings to average equity (ytd only) | 4.7282% | 2,691 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6585% | 3,074 |
| Assets per employee ($millions) | 13.8195% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5733% | 4,523 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 35.5572% | 4,236 |
| Net loans and leases to deposits | 40.7618% | 4,223 |
| Net loans and leases to core deposits | 43.1454% | 4,194 |
| Total domestic deposits to total assets | 87.2318% | 2,839 |
| Equity capital to assets | 12.6235% | 774 |
| Core capital (leverage) ratio | 15.2458% | 405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,290,000 | 4,178 |
| Average earning assets | $81,563,500 | 4,118 |
| Average equity | $11,590,000 | 3,898 |
| Average total loans | $29,778,500 | 4,330 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6461% | 4,361 |
| Cost of funding earning assets | 0.5324% | 781 |
| Net interest margin | 2.1138% | 4,533 |
| Noninterest income to average assets | 0.0202% | 4,771 |
| Noninterest expense to average assets | 1.3220% | 4,667 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6805% | 3,670 |
| Return on assets (ROA) | 0.7066% | 3,665 |
| Pretax return on assets | 0.8038% | 3,718 |
| Return on Equity (ROE) | 4.5663% | 4,092 |
| Retained earnings to average equity (ytd only) | 2.1299% | 3,950 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0656% | 2,705 |
| Assets per employee ($millions) | 11.9519% | 401 |
| Cash dividends to net income (ytd only)* | 53.3557% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5685% | 4,563 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 35.5402% | 4,311 |
| Net loans and leases to deposits | 42.5026% | 4,249 |
| Net loans and leases to core deposits | 45.0522% | 4,230 |
| Total domestic deposits to total assets | 83.6188% | 3,655 |
| Equity capital to assets | 15.1955% | 468 |
| Core capital (leverage) ratio | 14.8478% | 484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,344,600 | 4,161 |
| Average earning assets | $82,838,400 | 4,093 |
| Average equity | $13,052,200 | 3,827 |
| Average total loans | $27,953,200 | 4,416 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7409% | 4,367 |
| Cost of funding earning assets | 0.5504% | 831 |
| Net interest margin | 2.1905% | 4,575 |
| Noninterest income to average assets | 0.0237% | 4,845 |
| Noninterest expense to average assets | 1.3268% | 4,732 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7356% | 3,685 |
| Return on assets (ROA) | 0.7699% | 3,661 |
| Pretax return on assets | 0.8835% | 3,732 |
| Return on Equity (ROE) | 4.9528% | 4,129 |
| Retained earnings to average equity (ytd only) | 4.9528% | 3,236 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1192% | 2,817 |
| Assets per employee ($millions) | 11.9671% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6087% | 4,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 33.1384% | 4,504 |
| Net loans and leases to deposits | 39.5166% | 4,469 |
| Net loans and leases to core deposits | 42.2212% | 4,443 |
| Total domestic deposits to total assets | 83.8594% | 3,496 |
| Equity capital to assets | 15.8135% | 436 |
| Core capital (leverage) ratio | 15.2572% | 459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,515,000 | 4,208 |
| Average earning assets | $82,841,000 | 4,146 |
| Average equity | $13,137,000 | 3,872 |
| Average total loans | $27,465,500 | 4,484 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9082% | 4,214 |
| Cost of funding earning assets | 0.5629% | 898 |
| Net interest margin | 2.3453% | 4,469 |
| Noninterest income to average assets | 0.0236% | 4,882 |
| Noninterest expense to average assets | 1.3284% | 4,771 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8889% | 3,250 |
| Return on assets (ROA) | 0.9414% | 3,168 |
| Pretax return on assets | 1.0547% | 3,321 |
| Return on Equity (ROE) | 6.0914% | 3,885 |
| Retained earnings to average equity (ytd only) | 6.0914% | 2,763 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1574% | 3,383 |
| Assets per employee ($millions) | 12.0886% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6308% | 4,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 31.6485% | 4,599 |
| Net loans and leases to deposits | 37.6370% | 4,591 |
| Net loans and leases to core deposits | 40.1996% | 4,575 |
| Total domestic deposits to total assets | 84.0889% | 3,404 |
| Equity capital to assets | 15.5625% | 463 |
| Core capital (leverage) ratio | 14.9021% | 488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,763,333 | 4,234 |
| Average earning assets | $83,145,000 | 4,168 |
| Average equity | $13,100,333 | 3,883 |
| Average total loans | $27,310,667 | 4,522 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0968% | 3,889 |
| Cost of funding earning assets | 0.5819% | 952 |
| Net interest margin | 2.5150% | 4,275 |
| Noninterest income to average assets | 0.0283% | 4,892 |
| Noninterest expense to average assets | 1.2731% | 4,833 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1171% | 2,419 |
| Return on assets (ROA) | 1.2212% | 2,145 |
| Pretax return on assets | 1.3344% | 2,476 |
| Return on Equity (ROE) | 7.9290% | 3,348 |
| Retained earnings to average equity (ytd only) | 7.9290% | 2,264 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0397% | 4,089 |
| Assets per employee ($millions) | 12.2954% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6096% | 4,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 32.2024% | 4,626 |
| Net loans and leases to deposits | 37.9604% | 4,622 |
| Net loans and leases to core deposits | 40.6339% | 4,602 |
| Total domestic deposits to total assets | 84.8318% | 3,175 |
| Equity capital to assets | 14.9335% | 502 |
| Core capital (leverage) ratio | 15.1171% | 464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,835,000 | 4,243 |
| Average earning assets | $83,181,500 | 4,175 |
| Average equity | $13,066,000 | 3,898 |
| Average total loans | $27,490,500 | 4,543 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0811% | 4,579 |
| Cost of funding earning assets | 0.7413% | 1,502 |
| Net interest margin | 2.3399% | 4,697 |
| Noninterest income to average assets | 0.0225% | 4,915 |
| Noninterest expense to average assets | 1.3865% | 4,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7678% | 3,211 |
| Return on assets (ROA) | 0.7865% | 3,267 |
| Pretax return on assets | 0.9490% | 3,222 |
| Return on Equity (ROE) | 4.5687% | 4,005 |
| Retained earnings to average equity (ytd only) | 2.1269% | 3,770 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9429% | 3,467 |
| Assets per employee ($millions) | 11.9431% | 323 |
| Cash dividends to net income (ytd only)* | 53.4454% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6274% | 4,688 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 32.2062% | 4,699 |
| Net loans and leases to deposits | 38.5127% | 4,690 |
| Net loans and leases to core deposits | 41.3163% | 4,668 |
| Total domestic deposits to total assets | 83.6248% | 3,229 |
| Equity capital to assets | 15.8836% | 440 |
| Core capital (leverage) ratio | 14.9248% | 517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,656,400 | 4,299 |
| Average earning assets | $74,064,000 | 4,231 |
| Average equity | $13,023,400 | 3,861 |
| Average total loans | $29,759,200 | 4,521 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2645% | 4,521 |
| Cost of funding earning assets | 0.7708% | 1,631 |
| Net interest margin | 2.4936% | 4,660 |
| Noninterest income to average assets | 0.0271% | 4,937 |
| Noninterest expense to average assets | 1.3827% | 4,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8793% | 2,777 |
| Return on assets (ROA) | 0.9013% | 2,825 |
| Pretax return on assets | 1.1130% | 2,699 |
| Return on Equity (ROE) | 5.1235% | 3,859 |
| Retained earnings to average equity (ytd only) | 5.1235% | 2,509 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0117% | 3,919 |
| Assets per employee ($millions) | 11.3333% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5929% | 4,739 |
| Loan loss allowance to noncurrent loans | 1,307.6923% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 4,403 |
| Noncurrent loans to loans | 0.0453% | 4,200 |
| Net loans and leases to total assets | 35.9258% | 4,686 |
| Net loans and leases to deposits | 43.5942% | 4,672 |
| Net loans and leases to core deposits | 46.7574% | 4,651 |
| Total domestic deposits to total assets | 82.4096% | 3,312 |
| Equity capital to assets | 17.0408% | 369 |
| Core capital (leverage) ratio | 16.6451% | 369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,670,000 | 4,341 |
| Average earning assets | $72,128,750 | 4,272 |
| Average equity | $12,959,500 | 3,875 |
| Average total loans | $30,425,250 | 4,531 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4176% | 4,522 |
| Cost of funding earning assets | 0.8023% | 1,813 |
| Net interest margin | 2.6153% | 4,639 |
| Noninterest income to average assets | 0.0334% | 4,948 |
| Noninterest expense to average assets | 1.4154% | 4,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9604% | 2,457 |
| Return on assets (ROA) | 0.9947% | 2,476 |
| Pretax return on assets | 1.2120% | 2,325 |
| Return on Equity (ROE) | 5.5899% | 3,635 |
| Retained earnings to average equity (ytd only) | 5.5899% | 2,242 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7414% | 4,092 |
| Assets per employee ($millions) | 12.4098% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5582% | 4,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 40.6720% | 4,583 |
| Net loans and leases to deposits | 49.9505% | 4,534 |
| Net loans and leases to core deposits | 53.6047% | 4,508 |
| Total domestic deposits to total assets | 81.4247% | 3,518 |
| Equity capital to assets | 17.9750% | 304 |
| Core capital (leverage) ratio | 18.6445% | 261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,782,333 | 4,377 |
| Average earning assets | $70,049,667 | 4,312 |
| Average equity | $12,773,000 | 3,899 |
| Average total loans | $31,010,000 | 4,544 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5764% | 4,552 |
| Cost of funding earning assets | 0.8374% | 2,187 |
| Net interest margin | 2.7390% | 4,631 |
| Noninterest income to average assets | 0.0511% | 4,972 |
| Noninterest expense to average assets | 1.5502% | 4,885 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9672% | 2,292 |
| Return on assets (ROA) | 1.0278% | 2,182 |
| Pretax return on assets | 1.2492% | 2,038 |
| Return on Equity (ROE) | 5.8071% | 3,386 |
| Retained earnings to average equity (ytd only) | 5.8071% | 1,952 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8750% | 4,126 |
| Assets per employee ($millions) | 11.8507% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5332% | 4,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 44.6009% | 4,485 |
| Net loans and leases to deposits | 54.2381% | 4,434 |
| Net loans and leases to core deposits | 58.3389% | 4,418 |
| Total domestic deposits to total assets | 82.2317% | 3,349 |
| Equity capital to assets | 17.4927% | 395 |
| Core capital (leverage) ratio | 17.4206% | 372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,444,000 | 4,405 |
| Average earning assets | $68,785,000 | 4,336 |
| Average equity | $12,467,500 | 3,951 |
| Average total loans | $31,288,000 | 4,570 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6264% | 4,750 |
| Cost of funding earning assets | 0.8219% | 2,579 |
| Net interest margin | 2.8045% | 4,758 |
| Noninterest income to average assets | 0.0303% | 5,078 |
| Noninterest expense to average assets | 1.4679% | 5,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0635% | 2,605 |
| Return on assets (ROA) | 1.0743% | 2,648 |
| Pretax return on assets | 1.2963% | 2,514 |
| Return on Equity (ROE) | 6.1134% | 3,882 |
| Retained earnings to average equity (ytd only) | 3.5039% | 3,257 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3543% | 4,489 |
| Assets per employee ($millions) | 11.6307% | 252 |
| Cash dividends to net income (ytd only)* | 42.6846% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5539% | 4,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 43.7393% | 4,614 |
| Net loans and leases to deposits | 53.5013% | 4,554 |
| Net loans and leases to core deposits | 57.5667% | 4,537 |
| Total domestic deposits to total assets | 81.7537% | 3,575 |
| Equity capital to assets | 17.9081% | 373 |
| Core capital (leverage) ratio | 17.7964% | 353 |
| Tier 1 risk-based capital ratio | 33.5794% | 369 |
| Total risk-based capital ratio | 34.0276% | 384 |
| Memoranda: | ||
| Average total assets | $69,349,000 | 4,442 |
| Average earning assets | $67,285,200 | 4,384 |
| Average equity | $12,186,400 | 3,975 |
| Average total loans | $29,999,600 | 4,645 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 4,841 |
| Cost of funding earning assets | 0.8031% | 2,702 |
| Net interest margin | 2.8445% | 4,816 |
| Noninterest income to average assets | 0.0308% | 5,152 |
| Noninterest expense to average assets | 1.5039% | 5,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0853% | 2,631 |
| Return on assets (ROA) | 1.0918% | 2,694 |
| Pretax return on assets | 1.2902% | 2,699 |
| Return on Equity (ROE) | 6.2433% | 3,974 |
| Retained earnings to average equity (ytd only) | 6.2433% | 2,252 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9737% | 4,395 |
| Assets per employee ($millions) | 11.5942% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5626% | 4,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 43.1913% | 4,718 |
| Net loans and leases to deposits | 53.1177% | 4,663 |
| Net loans and leases to core deposits | 57.1641% | 4,649 |
| Total domestic deposits to total assets | 81.3124% | 3,660 |
| Equity capital to assets | 18.2908% | 368 |
| Core capital (leverage) ratio | 17.3968% | 396 |
| Tier 1 risk-based capital ratio | 33.4900% | 384 |
| Total risk-based capital ratio | 33.9492% | 400 |
| Memoranda: | ||
| Average total assets | $69,240,250 | 4,494 |
| Average earning assets | $67,074,500 | 4,443 |
| Average equity | $12,108,750 | 4,021 |
| Average total loans | $29,826,250 | 4,706 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6732% | 4,857 |
| Cost of funding earning assets | 0.7813% | 2,740 |
| Net interest margin | 2.8918% | 4,830 |
| Noninterest income to average assets | 0.0318% | 5,202 |
| Noninterest expense to average assets | 1.5015% | 5,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1349% | 2,390 |
| Return on assets (ROA) | 1.1398% | 2,447 |
| Pretax return on assets | 1.3308% | 2,438 |
| Return on Equity (ROE) | 6.6198% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.6198% | 1,995 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1218% | 4,548 |
| Assets per employee ($millions) | 11.7127% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5671% | 4,927 |
| Loan loss allowance to noncurrent loans | 17,000.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,811 |
| Noncurrent loans to loans | 0.0033% | 4,723 |
| Net loans and leases to total assets | 42.4142% | 4,768 |
| Net loans and leases to deposits | 51.7869% | 4,747 |
| Net loans and leases to core deposits | 55.6443% | 4,723 |
| Total domestic deposits to total assets | 81.9014% | 3,541 |
| Equity capital to assets | 17.7372% | 404 |
| Core capital (leverage) ratio | 17.4730% | 386 |
| Tier 1 risk-based capital ratio | 30.0457% | 479 |
| Total risk-based capital ratio | 30.4635% | 499 |
| Memoranda: | ||
| Average total assets | $69,132,000 | 4,534 |
| Average earning assets | $66,809,000 | 4,482 |
| Average equity | $11,903,670 | 4,058 |
| Average total loans | $29,696,330 | 4,747 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6387% | 4,923 |
| Cost of funding earning assets | 0.7493% | 2,794 |
| Net interest margin | 2.8894% | 4,891 |
| Noninterest income to average assets | 0.0467% | 5,223 |
| Noninterest expense to average assets | 1.5928% | 5,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0735% | 2,570 |
| Return on assets (ROA) | 1.0735% | 2,617 |
| Pretax return on assets | 1.2660% | 2,579 |
| Return on Equity (ROE) | 6.3323% | 3,902 |
| Retained earnings to average equity (ytd only) | 6.3323% | 2,303 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7143% | 4,369 |
| Assets per employee ($millions) | 11.5482% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5627% | 4,997 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 4,880 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 43.3532% | 4,770 |
| Net loans and leases to deposits | 52.5240% | 4,729 |
| Net loans and leases to core deposits | 56.1582% | 4,709 |
| Total domestic deposits to total assets | 82.5398% | 3,564 |
| Equity capital to assets | 17.2134% | 429 |
| Core capital (leverage) ratio | 17.3889% | 386 |
| Tier 1 risk-based capital ratio | 29.3722% | 497 |
| Total risk-based capital ratio | 29.7878% | 527 |
| Memoranda: | ||
| Average total assets | $68,560,000 | 4,591 |
| Average earning assets | $66,727,000 | 4,533 |
| Average equity | $11,623,000 | 4,112 |
| Average total loans | $29,556,000 | 4,797 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5793% | 4,823 |
| Cost of funding earning assets | 0.6759% | 2,236 |
| Net interest margin | 2.9034% | 4,914 |
| Noninterest income to average assets | 0.0406% | 5,288 |
| Noninterest expense to average assets | 1.5079% | 5,222 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1595% | 2,346 |
| Return on assets (ROA) | 1.1509% | 2,383 |
| Pretax return on assets | 1.3468% | 2,333 |
| Return on Equity (ROE) | 7.0825% | 3,794 |
| Retained earnings to average equity (ytd only) | 4.2424% | 3,219 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6342% | 4,743 |
| Assets per employee ($millions) | 11.3052% | 238 |
| Cash dividends to net income (ytd only)* | 40.1009% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5882% | 4,991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,906 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 42.3597% | 4,868 |
| Net loans and leases to deposits | 51.0237% | 4,853 |
| Net loans and leases to core deposits | 54.0918% | 4,845 |
| Total domestic deposits to total assets | 83.0196% | 3,320 |
| Equity capital to assets | 16.6871% | 444 |
| Core capital (leverage) ratio | 16.9905% | 406 |
| Tier 1 risk-based capital ratio | 30.4295% | 458 |
| Total risk-based capital ratio | 30.8668% | 472 |
| Memoranda: | ||
| Average total assets | $68,903,800 | 4,600 |
| Average earning assets | $67,023,800 | 4,541 |
| Average equity | $11,196,600 | 4,133 |
| Average total loans | $27,791,200 | 4,870 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5635% | 4,857 |
| Cost of funding earning assets | 0.6600% | 2,091 |
| Net interest margin | 2.9035% | 4,970 |
| Noninterest income to average assets | 0.0424% | 5,357 |
| Noninterest expense to average assets | 1.5247% | 5,260 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1644% | 2,393 |
| Return on assets (ROA) | 1.1526% | 2,435 |
| Pretax return on assets | 1.3281% | 2,516 |
| Return on Equity (ROE) | 7.1405% | 3,886 |
| Retained earnings to average equity (ytd only) | 7.1405% | 2,057 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1944% | 4,689 |
| Assets per employee ($millions) | 11.2282% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6125% | 5,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 4,983 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 40.9446% | 5,000 |
| Net loans and leases to deposits | 49.2106% | 4,976 |
| Net loans and leases to core deposits | 52.7187% | 4,947 |
| Total domestic deposits to total assets | 83.2030% | 3,232 |
| Equity capital to assets | 16.5803% | 451 |
| Core capital (leverage) ratio | 17.1533% | 403 |
| Tier 1 risk-based capital ratio | 31.6429% | 408 |
| Total risk-based capital ratio | 32.0929% | 433 |
| Memoranda: | ||
| Average total assets | $69,172,000 | 4,637 |
| Average earning assets | $67,273,750 | 4,584 |
| Average equity | $11,166,000 | 4,179 |
| Average total loans | $27,513,250 | 4,932 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5337% | 4,870 |
| Cost of funding earning assets | 0.6390% | 1,992 |
| Net interest margin | 2.8947% | 5,020 |
| Noninterest income to average assets | 0.0459% | 5,413 |
| Noninterest expense to average assets | 1.5163% | 5,330 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1658% | 2,324 |
| Return on assets (ROA) | 1.1408% | 2,441 |
| Pretax return on assets | 1.3186% | 2,436 |
| Return on Equity (ROE) | 7.1296% | 3,858 |
| Retained earnings to average equity (ytd only) | 7.1296% | 2,014 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9530% | 4,791 |
| Assets per employee ($millions) | 11.6030% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6237% | 5,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 5,007 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 38.9052% | 5,095 |
| Net loans and leases to deposits | 46.4309% | 5,087 |
| Net loans and leases to core deposits | 49.3648% | 5,057 |
| Total domestic deposits to total assets | 83.7915% | 3,134 |
| Equity capital to assets | 16.0203% | 498 |
| Core capital (leverage) ratio | 16.7610% | 422 |
| Tier 1 risk-based capital ratio | 34.5674% | 337 |
| Total risk-based capital ratio | 35.0673% | 345 |
| Memoranda: | ||
| Average total assets | $69,773,000 | 4,687 |
| Average earning assets | $67,918,000 | 4,623 |
| Average equity | $11,164,670 | 4,212 |
| Average total loans | $27,433,000 | 4,983 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4980% | 4,878 |
| Cost of funding earning assets | 0.6221% | 1,902 |
| Net interest margin | 2.8759% | 5,068 |
| Noninterest income to average assets | 0.0573% | 5,456 |
| Noninterest expense to average assets | 1.5519% | 5,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1258% | 2,306 |
| Return on assets (ROA) | 1.0766% | 2,549 |
| Pretax return on assets | 1.2541% | 2,538 |
| Return on Equity (ROE) | 6.7320% | 3,889 |
| Retained earnings to average equity (ytd only) | 6.7320% | 2,395 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2000% | 4,780 |
| Assets per employee ($millions) | 9.9144% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6245% | 5,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 5,077 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 38.9793% | 5,107 |
| Net loans and leases to deposits | 46.4595% | 5,086 |
| Net loans and leases to core deposits | 48.9408% | 5,069 |
| Total domestic deposits to total assets | 83.8994% | 3,369 |
| Equity capital to assets | 15.9378% | 495 |
| Core capital (leverage) ratio | 16.6684% | 417 |
| Tier 1 risk-based capital ratio | 32.1024% | 402 |
| Total risk-based capital ratio | 32.5751% | 421 |
| Memoranda: | ||
| Average total assets | $69,850,500 | 4,740 |
| Average earning assets | $68,153,500 | 4,677 |
| Average equity | $11,170,500 | 4,251 |
| Average total loans | $27,522,000 | 5,031 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4394% | 4,879 |
| Cost of funding earning assets | 0.6025% | 1,581 |
| Net interest margin | 2.8368% | 5,123 |
| Noninterest income to average assets | 0.0443% | 5,549 |
| Noninterest expense to average assets | 1.4906% | 5,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1633% | 1,634 |
| Return on assets (ROA) | 1.1658% | 1,659 |
| Pretax return on assets | 1.3246% | 2,266 |
| Return on Equity (ROE) | 7.1876% | 3,182 |
| Retained earnings to average equity (ytd only) | 4.3831% | 2,531 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0010% | 5,037 |
| Assets per employee ($millions) | 10.0429% | 312 |
| Cash dividends to net income (ytd only)* | 39.0184% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6110% | 5,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 5,097 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 39.3343% | 5,159 |
| Net loans and leases to deposits | 48.7466% | 5,102 |
| Net loans and leases to core deposits | 50.6021% | 5,118 |
| Total domestic deposits to total assets | 80.6913% | 4,193 |
| Equity capital to assets | 16.0455% | 511 |
| Core capital (leverage) ratio | 16.0730% | 467 |
| Tier 1 risk-based capital ratio | 31.1785% | 412 |
| Total risk-based capital ratio | 31.6458% | 443 |
| Memoranda: | ||
| Average total assets | $69,906,200 | 4,778 |
| Average earning assets | $68,210,200 | 4,698 |
| Average equity | $11,339,000 | 4,244 |
| Average total loans | $26,071,400 | 5,127 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4342% | 4,918 |
| Cost of funding earning assets | 0.6014% | 1,521 |
| Net interest margin | 2.8327% | 5,174 |
| Noninterest income to average assets | 0.0458% | 5,620 |
| Noninterest expense to average assets | 1.4821% | 5,531 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1198% | 1,994 |
| Return on assets (ROA) | 1.1231% | 2,045 |
| Pretax return on assets | 1.3293% | 2,363 |
| Return on Equity (ROE) | 6.9050% | 3,712 |
| Retained earnings to average equity (ytd only) | 6.9050% | 1,738 |
| Net charge-offs to loans | 0.0052% | 3,547 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 695.7218% | 147 |
| Efficiency ratio | 52.7891% | 5,040 |
| Assets per employee ($millions) | 9.9864% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6581% | 5,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 5,187 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 36.7084% | 5,321 |
| Net loans and leases to deposits | 45.1898% | 5,283 |
| Net loans and leases to core deposits | 46.9002% | 5,287 |
| Total domestic deposits to total assets | 81.2317% | 3,986 |
| Equity capital to assets | 16.7198% | 454 |
| Core capital (leverage) ratio | 16.2008% | 464 |
| Tier 1 risk-based capital ratio | 33.1555% | 376 |
| Total risk-based capital ratio | 33.6484% | 393 |
| Memoranda: | ||
| Average total assets | $69,807,750 | 4,831 |
| Average earning assets | $68,059,500 | 4,751 |
| Average equity | $11,353,750 | 4,285 |
| Average total loans | $25,633,750 | 5,188 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3925% | 4,980 |
| Cost of funding earning assets | 0.5899% | 1,512 |
| Net interest margin | 2.8027% | 5,240 |
| Noninterest income to average assets | 0.0516% | 5,648 |
| Noninterest expense to average assets | 1.4962% | 5,574 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0873% | 2,045 |
| Return on assets (ROA) | 1.0921% | 2,071 |
| Pretax return on assets | 1.2985% | 2,389 |
| Return on Equity (ROE) | 6.7780% | 3,672 |
| Retained earnings to average equity (ytd only) | 6.7780% | 1,697 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6485% | 5,045 |
| Assets per employee ($millions) | 10.0291% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6759% | 5,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 5,230 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 35.5834% | 5,392 |
| Net loans and leases to deposits | 42.9404% | 5,370 |
| Net loans and leases to core deposits | 44.5223% | 5,386 |
| Total domestic deposits to total assets | 82.8671% | 3,606 |
| Equity capital to assets | 16.5290% | 466 |
| Core capital (leverage) ratio | 16.0087% | 476 |
| Tier 1 risk-based capital ratio | 32.8891% | 372 |
| Total risk-based capital ratio | 33.3870% | 390 |
| Memoranda: | ||
| Average total assets | $69,775,330 | 4,866 |
| Average earning assets | $68,149,670 | 4,783 |
| Average equity | $11,242,330 | 4,319 |
| Average total loans | $25,568,000 | 5,227 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3878% | 4,951 |
| Cost of funding earning assets | 0.5882% | 1,454 |
| Net interest margin | 2.7997% | 5,237 |
| Noninterest income to average assets | 0.0633% | 5,694 |
| Noninterest expense to average assets | 1.5296% | 5,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0638% | 2,015 |
| Return on assets (ROA) | 1.0638% | 2,054 |
| Pretax return on assets | 1.2708% | 2,344 |
| Return on Equity (ROE) | 6.6899% | 3,557 |
| Retained earnings to average equity (ytd only) | 6.6899% | 1,987 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6201% | 5,080 |
| Assets per employee ($millions) | 9.9379% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6608% | 5,386 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 5,279 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 36.7354% | 5,377 |
| Net loans and leases to deposits | 43.9822% | 5,364 |
| Net loans and leases to core deposits | 45.5981% | 5,374 |
| Total domestic deposits to total assets | 83.5233% | 3,647 |
| Equity capital to assets | 16.0756% | 485 |
| Core capital (leverage) ratio | 15.3318% | 551 |
| Tier 1 risk-based capital ratio | 31.9213% | 416 |
| Total risk-based capital ratio | 32.4132% | 434 |
| Memoranda: | ||
| Average total assets | $69,561,000 | 4,923 |
| Average earning assets | $68,008,500 | 4,833 |
| Average equity | $11,061,500 | 4,377 |
| Average total loans | $25,776,500 | 5,278 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4267% | 4,930 |
| Cost of funding earning assets | 0.6039% | 1,303 |
| Net interest margin | 2.8229% | 5,259 |
| Noninterest income to average assets | 0.0516% | 5,767 |
| Noninterest expense to average assets | 1.5211% | 5,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1057% | 1,877 |
| Return on assets (ROA) | 1.1144% | 1,932 |
| Pretax return on assets | 1.2991% | 2,289 |
| Return on Equity (ROE) | 6.7712% | 3,602 |
| Retained earnings to average equity (ytd only) | 3.9948% | 3,077 |
| Net charge-offs to loans | 0.0039% | 4,114 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 900.0000% | 87 |
| Efficiency ratio | 54.1284% | 5,233 |
| Assets per employee ($millions) | 9.9367% | 306 |
| Cash dividends to net income (ytd only)* | 41.0026% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6582% | 5,432 |
| Loan loss allowance to noncurrent loans | 137.0968% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 4,531 |
| Noncurrent loans to loans | 0.4801% | 3,431 |
| Net loans and leases to total assets | 36.8877% | 5,456 |
| Net loans and leases to deposits | 43.9500% | 5,434 |
| Net loans and leases to core deposits | 45.5527% | 5,447 |
| Total domestic deposits to total assets | 83.9312% | 3,445 |
| Equity capital to assets | 15.7281% | 531 |
| Core capital (leverage) ratio | 15.0747% | 588 |
| Tier 1 risk-based capital ratio | 31.1498% | 435 |
| Total risk-based capital ratio | 31.6380% | 463 |
| Memoranda: | ||
| Average total assets | $69,815,800 | 4,941 |
| Average earning assets | $68,228,600 | 4,845 |
| Average equity | $11,489,800 | 4,338 |
| Average total loans | $25,907,600 | 5,317 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4365% | 4,945 |
| Cost of funding earning assets | 0.6044% | 1,288 |
| Net interest margin | 2.8321% | 5,299 |
| Noninterest income to average assets | 0.0534% | 5,829 |
| Noninterest expense to average assets | 1.4978% | 5,763 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1314% | 1,873 |
| Return on assets (ROA) | 1.1429% | 1,947 |
| Pretax return on assets | 1.3318% | 2,302 |
| Return on Equity (ROE) | 6.8688% | 3,629 |
| Retained earnings to average equity (ytd only) | 6.8688% | 1,692 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1843% | 5,292 |
| Assets per employee ($millions) | 10.0314% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6739% | 5,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 5,430 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 35.8901% | 5,555 |
| Net loans and leases to deposits | 43.7824% | 5,519 |
| Net loans and leases to core deposits | 45.3959% | 5,533 |
| Total domestic deposits to total assets | 81.9738% | 3,942 |
| Equity capital to assets | 17.0493% | 428 |
| Core capital (leverage) ratio | 15.5905% | 544 |
| Tier 1 risk-based capital ratio | 32.5646% | 393 |
| Total risk-based capital ratio | 33.0715% | 409 |
| Memoranda: | ||
| Average total assets | $69,880,500 | 4,975 |
| Average earning assets | $68,169,000 | 4,883 |
| Average equity | $11,627,250 | 4,351 |
| Average total loans | $25,927,500 | 5,371 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4452% | 4,989 |
| Cost of funding earning assets | 0.6056% | 1,273 |
| Net interest margin | 2.8397% | 5,361 |
| Noninterest income to average assets | 0.0573% | 5,901 |
| Noninterest expense to average assets | 1.5136% | 5,827 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1261% | 1,866 |
| Return on assets (ROA) | 1.1409% | 1,923 |
| Pretax return on assets | 1.3301% | 2,288 |
| Return on Equity (ROE) | 6.9143% | 3,598 |
| Retained earnings to average equity (ytd only) | 6.9143% | 1,650 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5497% | 5,344 |
| Assets per employee ($millions) | 9.9884% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6840% | 5,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 5,502 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 35.5125% | 5,630 |
| Net loans and leases to deposits | 43.4341% | 5,583 |
| Net loans and leases to core deposits | 45.0431% | 5,592 |
| Total domestic deposits to total assets | 81.7618% | 4,070 |
| Equity capital to assets | 17.0941% | 423 |
| Core capital (leverage) ratio | 15.5242% | 524 |
| Tier 1 risk-based capital ratio | 32.5075% | 399 |
| Total risk-based capital ratio | 33.0229% | 419 |
| Memoranda: | ||
| Average total assets | $69,767,330 | 5,027 |
| Average earning assets | $68,036,330 | 4,934 |
| Average equity | $11,512,330 | 4,394 |
| Average total loans | $26,112,330 | 5,428 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 4,853 |
| Cost of funding earning assets | 0.6074% | 1,289 |
| Net interest margin | 2.9071% | 5,310 |
| Noninterest income to average assets | 0.0631% | 5,926 |
| Noninterest expense to average assets | 1.5784% | 5,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1258% | 1,810 |
| Return on assets (ROA) | 1.1307% | 1,895 |
| Pretax return on assets | 1.3201% | 2,223 |
| Return on Equity (ROE) | 6.9781% | 3,466 |
| Retained earnings to average equity (ytd only) | 6.9781% | 1,896 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5635% | 5,336 |
| Assets per employee ($millions) | 9.9349% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6405% | 5,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 5,547 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 38.1413% | 5,552 |
| Net loans and leases to deposits | 46.2019% | 5,495 |
| Net loans and leases to core deposits | 47.8981% | 5,513 |
| Total domestic deposits to total assets | 82.5535% | 4,053 |
| Equity capital to assets | 16.5090% | 476 |
| Core capital (leverage) ratio | 15.2043% | 575 |
| Tier 1 risk-based capital ratio | 30.4462% | 487 |
| Total risk-based capital ratio | 30.9381% | 512 |
| Memoranda: | ||
| Average total assets | $69,691,500 | 5,073 |
| Average earning assets | $67,834,000 | 4,982 |
| Average equity | $11,292,500 | 4,448 |
| Average total loans | $26,668,000 | 5,461 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5930% | 4,698 |
| Cost of funding earning assets | 0.6454% | 1,096 |
| Net interest margin | 2.9476% | 5,253 |
| Noninterest income to average assets | 0.0538% | 5,996 |
| Noninterest expense to average assets | 1.6666% | 5,875 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0984% | 1,937 |
| Return on assets (ROA) | 1.1601% | 1,771 |
| Pretax return on assets | 1.3058% | 2,258 |
| Return on Equity (ROE) | 7.3757% | 3,319 |
| Retained earnings to average equity (ytd only) | 4.5154% | 2,771 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4074% | 5,208 |
| Assets per employee ($millions) | 9.9770% | 278 |
| Cash dividends to net income (ytd only)* | 38.7805% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6456% | 5,729 |
| Loan loss allowance to noncurrent loans | 860.0000% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 5,447 |
| Noncurrent loans to loans | 0.0751% | 5,205 |
| Net loans and leases to total assets | 37.8986% | 5,627 |
| Net loans and leases to deposits | 45.6620% | 5,585 |
| Net loans and leases to core deposits | 47.5325% | 5,585 |
| Total domestic deposits to total assets | 82.9980% | 3,832 |
| Equity capital to assets | 15.8994% | 530 |
| Core capital (leverage) ratio | 14.4210% | 731 |
| Tier 1 risk-based capital ratio | 29.6027% | 526 |
| Total risk-based capital ratio | 30.0901% | 548 |
| Memoranda: | ||
| Average total assets | $70,684,800 | 5,076 |
| Average earning assets | $68,326,800 | 4,976 |
| Average equity | $11,117,600 | 4,458 |
| Average total loans | $26,661,400 | 5,498 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5955% | 4,755 |
| Cost of funding earning assets | 0.6528% | 1,076 |
| Net interest margin | 2.9426% | 5,326 |
| Noninterest income to average assets | 0.0564% | 6,075 |
| Noninterest expense to average assets | 1.6286% | 5,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1302% | 1,893 |
| Return on assets (ROA) | 1.2055% | 1,705 |
| Pretax return on assets | 1.3522% | 2,206 |
| Return on Equity (ROE) | 7.6850% | 3,239 |
| Retained earnings to average equity (ytd only) | 7.6850% | 1,380 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2338% | 5,324 |
| Assets per employee ($millions) | 10.0901% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6642% | 5,800 |
| Loan loss allowance to noncurrent loans | 195.4545% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 5,159 |
| Noncurrent loans to loans | 0.3398% | 4,399 |
| Net loans and leases to total assets | 36.4189% | 5,771 |
| Net loans and leases to deposits | 43.8817% | 5,729 |
| Net loans and leases to core deposits | 45.4454% | 5,749 |
| Total domestic deposits to total assets | 82.9933% | 3,827 |
| Equity capital to assets | 16.1218% | 545 |
| Core capital (leverage) ratio | 14.8383% | 667 |
| Tier 1 risk-based capital ratio | 30.6035% | 491 |
| Total risk-based capital ratio | 31.1036% | 523 |
| Memoranda: | ||
| Average total assets | $70,896,250 | 5,129 |
| Average earning assets | $68,417,500 | 5,030 |
| Average equity | $11,121,000 | 4,505 |
| Average total loans | $26,666,750 | 5,558 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6136% | 4,685 |
| Cost of funding earning assets | 0.6591% | 1,052 |
| Net interest margin | 2.9544% | 5,328 |
| Noninterest income to average assets | 0.0620% | 6,136 |
| Noninterest expense to average assets | 1.5694% | 6,068 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1721% | 1,690 |
| Return on assets (ROA) | 1.1721% | 1,762 |
| Pretax return on assets | 1.3468% | 2,191 |
| Return on Equity (ROE) | 7.5415% | 3,297 |
| Retained earnings to average equity (ytd only) | 7.5415% | 1,452 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8164% | 5,606 |
| Assets per employee ($millions) | 10.0913% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6634% | 5,875 |
| Loan loss allowance to noncurrent loans | 1,323.0769% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 5,671 |
| Noncurrent loans to loans | 0.0501% | 5,546 |
| Net loans and leases to total assets | 36.4600% | 5,794 |
| Net loans and leases to deposits | 43.6762% | 5,779 |
| Net loans and leases to core deposits | 45.5051% | 5,787 |
| Total domestic deposits to total assets | 83.4780% | 3,767 |
| Equity capital to assets | 15.6797% | 571 |
| Core capital (leverage) ratio | 14.5437% | 699 |
| Tier 1 risk-based capital ratio | 30.0948% | 542 |
| Total risk-based capital ratio | 30.5965% | 566 |
| Memoranda: | ||
| Average total assets | $70,984,670 | 5,183 |
| Average earning assets | $68,574,670 | 5,076 |
| Average equity | $11,032,330 | 4,557 |
| Average total loans | $26,924,000 | 5,595 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6098% | 4,658 |
| Cost of funding earning assets | 0.6510% | 1,108 |
| Net interest margin | 2.9588% | 5,323 |
| Noninterest income to average assets | 0.0675% | 6,182 |
| Noninterest expense to average assets | 1.5121% | 6,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2311% | 1,459 |
| Return on assets (ROA) | 1.2311% | 1,548 |
| Pretax return on assets | 1.4166% | 1,830 |
| Return on Equity (ROE) | 7.9560% | 2,978 |
| Retained earnings to average equity (ytd only) | 7.9560% | 1,585 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6315% | 5,831 |
| Assets per employee ($millions) | 10.3407% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6553% | 5,979 |
| Loan loss allowance to noncurrent loans | 4,300.0000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 5,800 |
| Noncurrent loans to loans | 0.0152% | 5,743 |
| Net loans and leases to total assets | 36.0254% | 5,827 |
| Net loans and leases to deposits | 43.2132% | 5,790 |
| Net loans and leases to core deposits | 44.7797% | 5,810 |
| Total domestic deposits to total assets | 83.3667% | 4,060 |
| Equity capital to assets | 15.5308% | 617 |
| Core capital (leverage) ratio | 14.1242% | 787 |
| Tier 1 risk-based capital ratio | 25.6357% | 823 |
| Total risk-based capital ratio | 26.0713% | 889 |
| Memoranda: | ||
| Average total assets | $71,157,500 | 5,232 |
| Average earning assets | $68,812,000 | 5,121 |
| Average equity | $11,010,500 | 4,594 |
| Average total loans | $27,422,500 | 5,620 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 4,856 |
| Cost of funding earning assets | 0.7038% | 1,084 |
| Net interest margin | 2.9752% | 5,495 |
| Noninterest income to average assets | 0.0555% | 6,276 |
| Noninterest expense to average assets | 1.5095% | 6,292 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2792% | 1,350 |
| Return on assets (ROA) | 1.2804% | 1,398 |
| Pretax return on assets | 1.4284% | 1,789 |
| Return on Equity (ROE) | 8.6445% | 2,765 |
| Retained earnings to average equity (ytd only) | 5.5805% | 2,207 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4050% | 6,020 |
| Assets per employee ($millions) | 9.9900% | 255 |
| Cash dividends to net income (ytd only)* | 35.4444% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6015% | 6,142 |
| Loan loss allowance to noncurrent loans | 637.0370% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 5,746 |
| Noncurrent loans to loans | 0.0944% | 5,512 |
| Net loans and leases to total assets | 40.6464% | 5,701 |
| Net loans and leases to deposits | 48.5640% | 5,653 |
| Net loans and leases to core deposits | 50.3739% | 5,698 |
| Total domestic deposits to total assets | 83.6966% | 3,841 |
| Equity capital to assets | 15.4140% | 626 |
| Core capital (leverage) ratio | 14.1611% | 776 |
| Tier 1 risk-based capital ratio | 24.4790% | 894 |
| Total risk-based capital ratio | 24.9042% | 970 |
| Memoranda: | ||
| Average total assets | $70,287,800 | 5,277 |
| Average earning assets | $68,062,200 | 5,170 |
| Average equity | $10,411,200 | 4,674 |
| Average total loans | $27,822,800 | 5,660 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6718% | 4,934 |
| Cost of funding earning assets | 0.7121% | 1,094 |
| Net interest margin | 2.9597% | 5,590 |
| Noninterest income to average assets | 0.0530% | 6,375 |
| Noninterest expense to average assets | 1.4834% | 6,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2847% | 1,414 |
| Return on assets (ROA) | 1.2864% | 1,465 |
| Pretax return on assets | 1.4379% | 1,856 |
| Return on Equity (ROE) | 8.7730% | 2,801 |
| Retained earnings to average equity (ytd only) | 8.7730% | 1,070 |
| Net charge-offs to loans | 0.0048% | 4,535 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 759.8797% | 94 |
| Efficiency ratio | 50.8112% | 6,062 |
| Assets per employee ($millions) | 8.6631% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6197% | 6,198 |
| Loan loss allowance to noncurrent loans | 743.4783% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 5,888 |
| Noncurrent loans to loans | 0.0834% | 5,698 |
| Net loans and leases to total assets | 39.5657% | 5,839 |
| Net loans and leases to deposits | 47.4207% | 5,798 |
| Net loans and leases to core deposits | 49.2060% | 5,829 |
| Total domestic deposits to total assets | 83.4355% | 3,979 |
| Equity capital to assets | 15.6222% | 613 |
| Core capital (leverage) ratio | 14.1874% | 798 |
| Tier 1 risk-based capital ratio | 25.1743% | 867 |
| Total risk-based capital ratio | 25.6048% | 929 |
| Memoranda: | ||
| Average total assets | $70,377,250 | 5,330 |
| Average earning assets | $68,157,750 | 5,222 |
| Average equity | $10,319,250 | 4,726 |
| Average total loans | $27,629,500 | 5,724 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6160% | 5,102 |
| Cost of funding earning assets | 0.7144% | 1,117 |
| Net interest margin | 2.9015% | 5,731 |
| Noninterest income to average assets | 0.0565% | 6,427 |
| Noninterest expense to average assets | 1.5410% | 6,394 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1483% | 1,762 |
| Return on assets (ROA) | 1.1508% | 1,830 |
| Pretax return on assets | 1.3317% | 2,144 |
| Return on Equity (ROE) | 8.0197% | 3,082 |
| Retained earnings to average equity (ytd only) | 8.0197% | 1,322 |
| Net charge-offs to loans | -0.0072% | 5,247 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6946% | 5,930 |
| Assets per employee ($millions) | 8.8760% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6312% | 6,273 |
| Loan loss allowance to noncurrent loans | 494.2857% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 5,917 |
| Noncurrent loans to loans | 0.1277% | 5,631 |
| Net loans and leases to total assets | 38.3576% | 5,934 |
| Net loans and leases to deposits | 45.5888% | 5,904 |
| Net loans and leases to core deposits | 47.0268% | 5,949 |
| Total domestic deposits to total assets | 84.1384% | 3,879 |
| Equity capital to assets | 14.8856% | 729 |
| Core capital (leverage) ratio | 13.7883% | 889 |
| Tier 1 risk-based capital ratio | 24.7866% | 892 |
| Total risk-based capital ratio | 25.2274% | 969 |
| Memoranda: | ||
| Average total assets | $70,734,670 | 5,365 |
| Average earning assets | $68,585,000 | 5,258 |
| Average equity | $10,150,000 | 4,767 |
| Average total loans | $27,642,000 | 5,767 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6286% | 5,073 |
| Cost of funding earning assets | 0.7164% | 1,143 |
| Net interest margin | 2.9122% | 5,724 |
| Noninterest income to average assets | 0.0623% | 6,453 |
| Noninterest expense to average assets | 1.5015% | 6,497 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1615% | 1,591 |
| Return on assets (ROA) | 1.1615% | 1,662 |
| Pretax return on assets | 1.3938% | 1,765 |
| Return on Equity (ROE) | 8.2495% | 2,817 |
| Retained earnings to average equity (ytd only) | 8.2495% | 1,511 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8591% | 6,146 |
| Assets per employee ($millions) | 8.8270% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6500% | 6,342 |
| Loan loss allowance to noncurrent loans | 1,911.1111% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 6,133 |
| Noncurrent loans to loans | 0.0340% | 6,048 |
| Net loans and leases to total assets | 37.2281% | 6,001 |
| Net loans and leases to deposits | 44.4935% | 5,949 |
| Net loans and leases to core deposits | 45.5418% | 6,017 |
| Total domestic deposits to total assets | 83.6708% | 4,393 |
| Equity capital to assets | 14.3155% | 826 |
| Core capital (leverage) ratio | 13.5522% | 956 |
| Tier 1 risk-based capital ratio | 24.2911% | 962 |
| Total risk-based capital ratio | 24.7297% | 1,059 |
| Memoranda: | ||
| Average total assets | $70,598,000 | 5,421 |
| Average earning assets | $68,676,500 | 5,299 |
| Average equity | $9,940,000 | 4,827 |
| Average total loans | $27,758,000 | 5,813 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6821% | 5,187 |
| Cost of funding earning assets | 0.8174% | 1,106 |
| Net interest margin | 2.8647% | 5,871 |
| Noninterest income to average assets | 0.0630% | 6,512 |
| Noninterest expense to average assets | 1.4570% | 6,596 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1793% | 1,648 |
| Return on assets (ROA) | 1.1793% | 1,705 |
| Pretax return on assets | 1.3897% | 1,821 |
| Return on Equity (ROE) | 8.1848% | 2,936 |
| Retained earnings to average equity (ytd only) | 5.3042% | 2,416 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1815% | 6,355 |
| Assets per employee ($millions) | 8.8225% | 353 |
| Cash dividends to net income (ytd only)* | 35.1942% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5920% | 6,485 |
| Loan loss allowance to noncurrent loans | 301.7544% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 5,978 |
| Noncurrent loans to loans | 0.1962% | 5,598 |
| Net loans and leases to total assets | 40.9224% | 5,898 |
| Net loans and leases to deposits | 50.4366% | 5,738 |
| Net loans and leases to core deposits | 51.6321% | 5,819 |
| Total domestic deposits to total assets | 81.1363% | 5,128 |
| Equity capital to assets | 13.8439% | 953 |
| Core capital (leverage) ratio | 13.0251% | 1,133 |
| Tier 1 risk-based capital ratio | 22.5947% | 1,162 |
| Total risk-based capital ratio | 23.0117% | 1,277 |
| Memoranda: | ||
| Average total assets | $69,869,200 | 5,483 |
| Average earning assets | $67,895,600 | 5,351 |
| Average equity | $10,067,400 | 4,828 |
| Average total loans | $26,384,800 | 5,916 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6683% | 5,257 |
| Cost of funding earning assets | 0.8393% | 1,103 |
| Net interest margin | 2.8290% | 5,963 |
| Noninterest income to average assets | 0.0650% | 6,585 |
| Noninterest expense to average assets | 1.4368% | 6,672 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1842% | 1,684 |
| Return on assets (ROA) | 1.1842% | 1,755 |
| Pretax return on assets | 1.3755% | 2,013 |
| Return on Equity (ROE) | 8.1379% | 3,058 |
| Retained earnings to average equity (ytd only) | 8.1379% | 1,357 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0884% | 6,324 |
| Assets per employee ($millions) | 8.7506% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6505% | 6,500 |
| Loan loss allowance to noncurrent loans | 1,011.7647% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 6,260 |
| Noncurrent loans to loans | 0.0643% | 6,146 |
| Net loans and leases to total assets | 37.5273% | 6,196 |
| Net loans and leases to deposits | 46.4013% | 6,074 |
| Net loans and leases to core deposits | 47.5132% | 6,147 |
| Total domestic deposits to total assets | 80.8757% | 5,245 |
| Equity capital to assets | 14.1561% | 919 |
| Core capital (leverage) ratio | 13.4444% | 1,044 |
| Tier 1 risk-based capital ratio | 24.0366% | 999 |
| Total risk-based capital ratio | 24.4761% | 1,087 |
| Memoranda: | ||
| Average total assets | $69,691,500 | 5,544 |
| Average earning assets | $67,677,500 | 5,413 |
| Average equity | $10,141,500 | 4,859 |
| Average total loans | $25,717,250 | 5,999 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6596% | 5,259 |
| Cost of funding earning assets | 0.8541% | 1,122 |
| Net interest margin | 2.8055% | 5,992 |
| Noninterest income to average assets | 0.0719% | 6,607 |
| Noninterest expense to average assets | 1.3278% | 6,772 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2704% | 1,404 |
| Return on assets (ROA) | 1.2704% | 1,504 |
| Pretax return on assets | 1.4629% | 1,732 |
| Return on Equity (ROE) | 8.6508% | 2,779 |
| Retained earnings to average equity (ytd only) | 8.6508% | 1,245 |
| Net charge-offs to loans | 0.0079% | 4,733 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 509.0000% | 85 |
| Efficiency ratio | 47.5798% | 6,560 |
| Assets per employee ($millions) | 8.7800% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6705% | 6,540 |
| Loan loss allowance to noncurrent loans | 2,137.5000% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 6,350 |
| Noncurrent loans to loans | 0.0314% | 6,314 |
| Net loans and leases to total assets | 36.0649% | 6,297 |
| Net loans and leases to deposits | 44.5907% | 6,190 |
| Net loans and leases to core deposits | 45.6416% | 6,246 |
| Total domestic deposits to total assets | 80.8798% | 5,376 |
| Equity capital to assets | 14.1002% | 941 |
| Core capital (leverage) ratio | 13.2351% | 1,076 |
| Tier 1 risk-based capital ratio | 24.3555% | 954 |
| Total risk-based capital ratio | 24.8035% | 1,035 |
| Memoranda: | ||
| Average total assets | $69,587,000 | 5,584 |
| Average earning assets | $67,438,670 | 5,462 |
| Average equity | $10,218,670 | 4,890 |
| Average total loans | $25,475,330 | 6,045 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6590% | 5,289 |
| Cost of funding earning assets | 0.8760% | 1,107 |
| Net interest margin | 2.7830% | 6,064 |
| Noninterest income to average assets | 0.0866% | 6,627 |
| Noninterest expense to average assets | 1.4323% | 6,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1724% | 1,606 |
| Return on assets (ROA) | 1.1724% | 1,716 |
| Pretax return on assets | 1.3514% | 2,037 |
| Return on Equity (ROE) | 7.8258% | 3,066 |
| Retained earnings to average equity (ytd only) | 7.8258% | 1,815 |
| Net charge-offs to loans | 0.0157% | 3,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 234.0000% | 170 |
| Efficiency ratio | 51.4523% | 6,415 |
| Assets per employee ($millions) | 8.7706% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7044% | 6,590 |
| Loan loss allowance to noncurrent loans | 2,850.0000% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 6,460 |
| Noncurrent loans to loans | 0.0247% | 6,422 |
| Net loans and leases to total assets | 34.3533% | 6,399 |
| Net loans and leases to deposits | 43.2560% | 6,256 |
| Net loans and leases to core deposits | 44.2958% | 6,300 |
| Total domestic deposits to total assets | 79.4185% | 5,892 |
| Equity capital to assets | 14.8735% | 786 |
| Core capital (leverage) ratio | 13.1422% | 1,057 |
| Tier 1 risk-based capital ratio | 24.5587% | 949 |
| Total risk-based capital ratio | 25.0224% | 1,028 |
| Memoranda: | ||
| Average total assets | $69,260,500 | 5,646 |
| Average earning assets | $67,123,000 | 5,515 |
| Average equity | $10,376,000 | 4,913 |
| Average total loans | $25,461,500 | 6,098 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9887% | 5,345 |
| Cost of funding earning assets | 1.0018% | 1,348 |
| Net interest margin | 2.9870% | 6,076 |
| Noninterest income to average assets | 0.0680% | 6,628 |
| Noninterest expense to average assets | 1.4693% | 6,885 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2936% | 1,324 |
| Return on assets (ROA) | 1.2949% | 1,471 |
| Pretax return on assets | 1.4915% | 1,699 |
| Return on Equity (ROE) | 8.7378% | 2,771 |
| Retained earnings to average equity (ytd only) | 5.8152% | 2,182 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6503% | 6,611 |
| Assets per employee ($millions) | 8.5445% | 398 |
| Cash dividends to net income (ytd only)* | 33.4475% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6455% | 6,707 |
| Loan loss allowance to noncurrent loans | 2,150.0000% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 6,487 |
| Noncurrent loans to loans | 0.0300% | 6,441 |
| Net loans and leases to total assets | 38.7325% | 6,254 |
| Net loans and leases to deposits | 49.5165% | 5,991 |
| Net loans and leases to core deposits | 50.2439% | 6,136 |
| Total domestic deposits to total assets | 78.2214% | 6,043 |
| Equity capital to assets | 15.0916% | 713 |
| Core capital (leverage) ratio | 12.9660% | 1,123 |
| Tier 1 risk-based capital ratio | 23.0942% | 1,099 |
| Total risk-based capital ratio | 23.5428% | 1,189 |
| Memoranda: | ||
| Average total assets | $67,652,000 | 5,690 |
| Average earning assets | $65,484,800 | 5,569 |
| Average equity | $10,025,400 | 4,977 |
| Average total loans | $26,637,000 | 6,105 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0501% | 5,361 |
| Cost of funding earning assets | 1.0258% | 1,419 |
| Net interest margin | 3.0243% | 6,115 |
| Noninterest income to average assets | 0.0692% | 6,739 |
| Noninterest expense to average assets | 1.4701% | 6,954 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2880% | 1,477 |
| Return on assets (ROA) | 1.2864% | 1,617 |
| Pretax return on assets | 1.5215% | 1,801 |
| Return on Equity (ROE) | 8.7210% | 2,937 |
| Retained earnings to average equity (ytd only) | 8.7210% | 1,339 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1089% | 6,655 |
| Assets per employee ($millions) | 8.4510% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6740% | 6,779 |
| Loan loss allowance to noncurrent loans | 2,866.6667% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 6,616 |
| Noncurrent loans to loans | 0.0235% | 6,577 |
| Net loans and leases to total assets | 37.4896% | 6,448 |
| Net loans and leases to deposits | 47.8633% | 6,265 |
| Net loans and leases to core deposits | 48.5723% | 6,378 |
| Total domestic deposits to total assets | 78.3265% | 6,013 |
| Equity capital to assets | 15.3739% | 733 |
| Core capital (leverage) ratio | 13.1584% | 1,130 |
| Tier 1 risk-based capital ratio | 23.7276% | 1,059 |
| Total risk-based capital ratio | 24.1850% | 1,158 |
| Memoranda: | ||
| Average total assets | $67,476,000 | 5,760 |
| Average earning assets | $65,248,000 | 5,632 |
| Average equity | $9,952,750 | 5,034 |
| Average total loans | $26,634,250 | 6,186 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0985% | 5,317 |
| Cost of funding earning assets | 1.0392% | 1,530 |
| Net interest margin | 3.0593% | 6,106 |
| Noninterest income to average assets | 0.0741% | 6,780 |
| Noninterest expense to average assets | 1.4503% | 7,030 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3312% | 1,358 |
| Return on assets (ROA) | 1.3287% | 1,516 |
| Pretax return on assets | 1.5809% | 1,600 |
| Return on Equity (ROE) | 9.1376% | 2,750 |
| Retained earnings to average equity (ytd only) | 9.1376% | 1,223 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8006% | 6,790 |
| Assets per employee ($millions) | 8.5563% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6766% | 6,853 |
| Loan loss allowance to noncurrent loans | 2,457.1429% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 6,677 |
| Noncurrent loans to loans | 0.0275% | 6,620 |
| Net loans and leases to total assets | 36.8868% | 6,556 |
| Net loans and leases to deposits | 46.6598% | 6,395 |
| Net loans and leases to core deposits | 47.3351% | 6,496 |
| Total domestic deposits to total assets | 79.0548% | 5,952 |
| Equity capital to assets | 14.8064% | 830 |
| Core capital (leverage) ratio | 12.9479% | 1,165 |
| Tier 1 risk-based capital ratio | 23.1925% | 1,108 |
| Total risk-based capital ratio | 23.6501% | 1,202 |
| Memoranda: | ||
| Average total assets | $67,432,000 | 5,798 |
| Average earning assets | $65,243,670 | 5,669 |
| Average equity | $9,805,670 | 5,073 |
| Average total loans | $27,006,330 | 6,202 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2068% | 5,079 |
| Cost of funding earning assets | 1.0579% | 1,631 |
| Net interest margin | 3.1489% | 5,909 |
| Noninterest income to average assets | 0.0837% | 6,809 |
| Noninterest expense to average assets | 1.4883% | 7,068 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3687% | 1,282 |
| Return on assets (ROA) | 1.3687% | 1,436 |
| Pretax return on assets | 1.6377% | 1,458 |
| Return on Equity (ROE) | 9.5011% | 2,606 |
| Retained earnings to average equity (ytd only) | 9.5011% | 1,413 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6099% | 6,835 |
| Assets per employee ($millions) | 8.3659% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6424% | 6,942 |
| Loan loss allowance to noncurrent loans | 2,150.0000% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 6,741 |
| Noncurrent loans to loans | 0.0299% | 6,695 |
| Net loans and leases to total assets | 39.7463% | 6,367 |
| Net loans and leases to deposits | 49.9596% | 6,142 |
| Net loans and leases to core deposits | 50.9373% | 6,280 |
| Total domestic deposits to total assets | 79.5568% | 5,960 |
| Equity capital to assets | 14.5039% | 862 |
| Core capital (leverage) ratio | 12.6680% | 1,263 |
| Tier 1 risk-based capital ratio | 22.1484% | 1,264 |
| Total risk-based capital ratio | 22.5965% | 1,387 |
| Memoranda: | ||
| Average total assets | $66,923,000 | 5,859 |
| Average earning assets | $64,657,500 | 5,735 |
| Average equity | $9,641,000 | 5,136 |
| Average total loans | $27,799,000 | 6,205 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3025% | 5,759 |
| Cost of funding earning assets | 1.1537% | 2,328 |
| Net interest margin | 3.1488% | 6,219 |
| Noninterest income to average assets | 0.0782% | 6,724 |
| Noninterest expense to average assets | 1.7387% | 7,024 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2719% | 1,315 |
| Return on assets (ROA) | 1.2777% | 1,401 |
| Pretax return on assets | 1.4021% | 1,785 |
| Return on Equity (ROE) | 9.0423% | 2,423 |
| Retained earnings to average equity (ytd only) | 5.7347% | 2,157 |
| Net charge-offs to loans | -0.0038% | 6,826 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4707% | 6,373 |
| Assets per employee ($millions) | 8.3649% | 412 |
| Cash dividends to net income (ytd only)* | 36.5793% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5967% | 7,019 |
| Loan loss allowance to noncurrent loans | 5,733.3333% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 6,824 |
| Noncurrent loans to loans | 0.0104% | 6,824 |
| Net loans and leases to total assets | 42.8174% | 6,316 |
| Net loans and leases to deposits | 55.5355% | 5,926 |
| Net loans and leases to core deposits | 56.6567% | 6,112 |
| Total domestic deposits to total assets | 77.0992% | 6,326 |
| Equity capital to assets | 14.3083% | 967 |
| Core capital (leverage) ratio | 12.6385% | 1,294 |
| Tier 1 risk-based capital ratio | 20.6507% | 1,492 |
| Total risk-based capital ratio | 21.0801% | 1,648 |
| Memoranda: | ||
| Average total assets | $62,692,200 | 5,966 |
| Average earning assets | $60,847,800 | 5,840 |
| Average equity | $8,858,400 | 5,318 |
| Average total loans | $26,309,600 | 6,336 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3484% | 5,781 |
| Cost of funding earning assets | 1.1736% | 2,490 |
| Net interest margin | 3.1749% | 6,219 |
| Noninterest income to average assets | 0.0800% | 6,839 |
| Noninterest expense to average assets | 1.7284% | 7,068 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2514% | 1,515 |
| Return on assets (ROA) | 1.2590% | 1,596 |
| Pretax return on assets | 1.4385% | 1,822 |
| Return on Equity (ROE) | 8.9406% | 2,623 |
| Retained earnings to average equity (ytd only) | 8.9406% | 1,167 |
| Net charge-offs to loans | -0.0052% | 6,717 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7260% | 6,423 |
| Assets per employee ($millions) | 8.0635% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6603% | 7,014 |
| Loan loss allowance to noncurrent loans | 2,457.1429% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 6,888 |
| Noncurrent loans to loans | 0.0269% | 6,874 |
| Net loans and leases to total assets | 40.1129% | 6,619 |
| Net loans and leases to deposits | 49.7434% | 6,517 |
| Net loans and leases to core deposits | 50.4907% | 6,648 |
| Total domestic deposits to total assets | 80.6396% | 5,551 |
| Equity capital to assets | 14.8989% | 876 |
| Core capital (leverage) ratio | 13.2302% | 1,135 |
| Tier 1 risk-based capital ratio | 22.3345% | 1,233 |
| Total risk-based capital ratio | 22.7917% | 1,332 |
| Memoranda: | ||
| Average total assets | $61,635,500 | 6,043 |
| Average earning assets | $59,759,250 | 5,914 |
| Average equity | $8,679,250 | 5,392 |
| Average total loans | $25,680,750 | 6,441 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 5,736 |
| Cost of funding earning assets | 1.1887% | 2,656 |
| Net interest margin | 3.1993% | 6,163 |
| Noninterest income to average assets | 0.0857% | 6,899 |
| Noninterest expense to average assets | 1.6777% | 7,198 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2972% | 1,328 |
| Return on assets (ROA) | 1.3085% | 1,366 |
| Pretax return on assets | 1.5261% | 1,451 |
| Return on Equity (ROE) | 9.4878% | 2,314 |
| Retained earnings to average equity (ytd only) | 9.4878% | 964 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5826% | 6,750 |
| Assets per employee ($millions) | 7.8855% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6868% | 7,034 |
| Loan loss allowance to noncurrent loans | 8,550.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 6,954 |
| Noncurrent loans to loans | 0.0080% | 6,990 |
| Net loans and leases to total assets | 39.1985% | 6,787 |
| Net loans and leases to deposits | 48.0034% | 6,727 |
| Net loans and leases to core deposits | 48.7309% | 6,819 |
| Total domestic deposits to total assets | 81.6578% | 5,291 |
| Equity capital to assets | 14.1018% | 1,068 |
| Core capital (leverage) ratio | 13.3866% | 1,032 |
| Tier 1 risk-based capital ratio | 22.6955% | 1,165 |
| Total risk-based capital ratio | 23.1679% | 1,242 |
| Memoranda: | ||
| Average total assets | $60,678,000 | 6,115 |
| Average earning assets | $58,888,670 | 5,991 |
| Average equity | $8,368,670 | 5,497 |
| Average total loans | $25,558,330 | 6,507 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 5,597 |
| Cost of funding earning assets | 1.2033% | 2,791 |
| Net interest margin | 3.2227% | 6,003 |
| Noninterest income to average assets | 0.1076% | 6,873 |
| Noninterest expense to average assets | 1.6208% | 7,291 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3586% | 1,137 |
| Return on assets (ROA) | 1.3586% | 1,187 |
| Pretax return on assets | 1.6208% | 1,141 |
| Return on Equity (ROE) | 9.9692% | 2,106 |
| Retained earnings to average equity (ytd only) | 9.9692% | 1,119 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 6,980 |
| Assets per employee ($millions) | 7.5884% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6678% | 7,116 |
| Loan loss allowance to noncurrent loans | 8,550.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 7,006 |
| Noncurrent loans to loans | 0.0078% | 7,067 |
| Net loans and leases to total assets | 41.8996% | 6,627 |
| Net loans and leases to deposits | 50.9627% | 6,552 |
| Net loans and leases to core deposits | 51.7592% | 6,692 |
| Total domestic deposits to total assets | 82.2162% | 5,220 |
| Equity capital to assets | 13.7678% | 1,079 |
| Core capital (leverage) ratio | 13.5326% | 958 |
| Tier 1 risk-based capital ratio | 21.9324% | 1,242 |
| Total risk-based capital ratio | 22.3999% | 1,338 |
| Memoranda: | ||
| Average total assets | $59,475,000 | 6,200 |
| Average earning assets | $57,839,000 | 6,069 |
| Average equity | $8,105,000 | 5,573 |
| Average total loans | $25,888,000 | 6,533 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7418% | 5,649 |
| Cost of funding earning assets | 1.4515% | 2,944 |
| Net interest margin | 3.2904% | 6,011 |
| Noninterest income to average assets | 0.0860% | 6,967 |
| Noninterest expense to average assets | 1.6196% | 7,396 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4098% | 929 |
| Return on assets (ROA) | 1.4098% | 998 |
| Pretax return on assets | 1.6351% | 1,062 |
| Return on Equity (ROE) | 10.3062% | 1,814 |
| Retained earnings to average equity (ytd only) | 6.5859% | 1,516 |
| Net charge-offs to loans | 0.0039% | 6,811 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 951.0000% | 14 |
| Efficiency ratio | 49.7623% | 7,143 |
| Assets per employee ($millions) | 7.2804% | 652 |
| Cash dividends to net income (ytd only)* | 36.0976% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6534% | 7,197 |
| Loan loss allowance to noncurrent loans | 280.3279% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 6,808 |
| Noncurrent loans to loans | 0.2331% | 6,594 |
| Net loans and leases to total assets | 44.6371% | 6,664 |
| Net loans and leases to deposits | 54.0656% | 6,604 |
| Net loans and leases to core deposits | 54.3675% | 6,793 |
| Total domestic deposits to total assets | 82.5610% | 4,991 |
| Equity capital to assets | 13.4814% | 1,182 |
| Core capital (leverage) ratio | 13.2663% | 1,043 |
| Tier 1 risk-based capital ratio | 21.3692% | 1,267 |
| Total risk-based capital ratio | 21.8366% | 1,369 |
| Memoranda: | ||
| Average total assets | $58,162,400 | 6,269 |
| Average earning assets | $56,012,000 | 6,132 |
| Average equity | $7,956,400 | 5,726 |
| Average total loans | $25,513,000 | 6,639 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8050% | 5,634 |
| Cost of funding earning assets | 1.5027% | 2,962 |
| Net interest margin | 3.3022% | 6,008 |
| Noninterest income to average assets | 0.0940% | 7,073 |
| Noninterest expense to average assets | 1.5961% | 7,505 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3713% | 1,166 |
| Return on assets (ROA) | 1.3713% | 1,248 |
| Pretax return on assets | 1.6625% | 1,181 |
| Return on Equity (ROE) | 9.9882% | 2,127 |
| Retained earnings to average equity (ytd only) | 9.9882% | 799 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9796% | 7,211 |
| Assets per employee ($millions) | 7.3160% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6836% | 7,224 |
| Loan loss allowance to noncurrent loans | 215.0000% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 6,866 |
| Noncurrent loans to loans | 0.3179% | 6,561 |
| Net loans and leases to total assets | 42.6975% | 6,929 |
| Net loans and leases to deposits | 53.0923% | 6,830 |
| Net loans and leases to core deposits | 54.0324% | 6,956 |
| Total domestic deposits to total assets | 80.4213% | 5,571 |
| Equity capital to assets | 14.8100% | 941 |
| Core capital (leverage) ratio | 13.5224% | 1,056 |
| Tier 1 risk-based capital ratio | 22.1854% | 1,182 |
| Total risk-based capital ratio | 22.6688% | 1,275 |
| Memoranda: | ||
| Average total assets | $58,142,250 | 6,348 |
| Average earning assets | $55,718,750 | 6,207 |
| Average equity | $7,982,500 | 5,795 |
| Average total loans | $25,349,000 | 6,737 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8714% | 5,527 |
| Cost of funding earning assets | 1.5410% | 3,008 |
| Net interest margin | 3.3304% | 5,905 |
| Noninterest income to average assets | 0.0965% | 7,110 |
| Noninterest expense to average assets | 1.5720% | 7,582 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4204% | 1,054 |
| Return on assets (ROA) | 1.4204% | 1,124 |
| Pretax return on assets | 1.7134% | 1,037 |
| Return on Equity (ROE) | 10.6268% | 1,881 |
| Retained earnings to average equity (ytd only) | 10.6268% | 723 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8489% | 7,357 |
| Assets per employee ($millions) | 7.1955% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6740% | 7,297 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 7,228 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 44.0310% | 6,919 |
| Net loans and leases to deposits | 53.8772% | 6,870 |
| Net loans and leases to core deposits | 54.8306% | 7,000 |
| Total domestic deposits to total assets | 81.7247% | 5,100 |
| Equity capital to assets | 13.9341% | 1,185 |
| Core capital (leverage) ratio | 13.1572% | 1,153 |
| Tier 1 risk-based capital ratio | 21.5735% | 1,259 |
| Total risk-based capital ratio | 22.0549% | 1,346 |
| Memoranda: | ||
| Average total assets | $58,013,670 | 6,388 |
| Average earning assets | $55,549,000 | 6,260 |
| Average equity | $7,754,000 | 5,885 |
| Average total loans | $25,411,330 | 6,777 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8226% | 5,800 |
| Cost of funding earning assets | 1.5670% | 3,158 |
| Net interest margin | 3.2556% | 6,115 |
| Noninterest income to average assets | 0.1030% | 7,190 |
| Noninterest expense to average assets | 1.6141% | 7,647 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3599% | 1,166 |
| Return on assets (ROA) | 1.3599% | 1,234 |
| Pretax return on assets | 1.6141% | 1,230 |
| Return on Equity (ROE) | 10.3930% | 1,987 |
| Retained earnings to average equity (ytd only) | 10.3930% | 1,067 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 7,314 |
| Assets per employee ($millions) | 7.3058% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6661% | 7,404 |
| Loan loss allowance to noncurrent loans | 365.9574% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 7,117 |
| Noncurrent loans to loans | 0.1820% | 6,975 |
| Net loans and leases to total assets | 43.8884% | 7,002 |
| Net loans and leases to deposits | 53.1440% | 6,971 |
| Net loans and leases to core deposits | 54.0556% | 7,100 |
| Total domestic deposits to total assets | 82.5839% | 4,810 |
| Equity capital to assets | 13.2396% | 1,426 |
| Core capital (leverage) ratio | 12.9686% | 1,220 |
| Tier 1 risk-based capital ratio | 20.5987% | 1,410 |
| Total risk-based capital ratio | 21.0716% | 1,522 |
| Memoranda: | ||
| Average total assets | $58,238,500 | 6,461 |
| Average earning assets | $55,904,000 | 6,331 |
| Average equity | $7,620,500 | 5,972 |
| Average total loans | $25,358,000 | 6,859 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0955% | 6,103 |
| Cost of funding earning assets | 1.9931% | 2,995 |
| Net interest margin | 3.1025% | 6,361 |
| Noninterest income to average assets | 0.1121% | 7,197 |
| Noninterest expense to average assets | 1.7235% | 7,677 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.1778% | 1,307 |
| Return on assets (ROA) | 1.1778% | 1,349 |
| Pretax return on assets | 1.3689% | 1,504 |
| Return on Equity (ROE) | 8.8467% | 2,074 |
| Retained earnings to average equity (ytd only) | 5.1756% | 1,728 |
| Net charge-offs to loans | -0.0124% | 7,760 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7338% | 7,049 |
| Assets per employee ($millions) | 7.2539% | 727 |
| Cash dividends to net income (ytd only)* | 41.4977% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6910% | 7,392 |
| Loan loss allowance to noncurrent loans | 8,600.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 7,313 |
| Noncurrent loans to loans | 0.0080% | 7,424 |
| Net loans and leases to total assets | 42.5996% | 7,216 |
| Net loans and leases to deposits | 52.4606% | 7,133 |
| Net loans and leases to core deposits | 60.0710% | 7,262 |
| Total domestic deposits to total assets | 81.2032% | 5,265 |
| Equity capital to assets | 12.9293% | 1,534 |
| Core capital (leverage) ratio | 12.7772% | 1,316 |
| Tier 1 risk-based capital ratio | 20.5094% | 1,371 |
| Total risk-based capital ratio | 20.9930% | 1,471 |
| Memoranda: | ||
| Average total assets | $54,423,400 | 6,544 |
| Average earning assets | $52,281,000 | 6,447 |
| Average equity | $7,245,600 | 6,190 |
| Average total loans | $24,289,800 | 6,953 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1482% | 6,117 |
| Cost of funding earning assets | 2.0717% | 3,026 |
| Net interest margin | 3.0765% | 6,376 |
| Noninterest income to average assets | 0.1121% | 7,333 |
| Noninterest expense to average assets | 1.7538% | 7,707 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0712% | 1,824 |
| Return on assets (ROA) | 1.0712% | 1,875 |
| Pretax return on assets | 1.3178% | 1,917 |
| Return on Equity (ROE) | 7.9836% | 2,642 |
| Retained earnings to average equity (ytd only) | 7.9836% | 1,140 |
| Net charge-offs to loans | -0.0166% | 7,742 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0965% | 6,858 |
| Assets per employee ($millions) | 7.1879% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6999% | 7,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 7,382 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 42.4360% | 7,334 |
| Net loans and leases to deposits | 53.1912% | 7,246 |
| Net loans and leases to core deposits | 60.7378% | 7,372 |
| Total domestic deposits to total assets | 79.7802% | 5,527 |
| Equity capital to assets | 13.6289% | 1,441 |
| Core capital (leverage) ratio | 13.1764% | 1,332 |
| Tier 1 risk-based capital ratio | 20.9055% | 1,377 |
| Total risk-based capital ratio | 21.3946% | 1,482 |
| Memoranda: | ||
| Average total assets | $53,521,500 | 6,620 |
| Average earning assets | $51,486,250 | 6,521 |
| Average equity | $7,181,250 | 6,264 |
| Average total loans | $24,139,000 | 7,020 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2259% | 5,974 |
| Cost of funding earning assets | 2.1556% | 3,011 |
| Net interest margin | 3.0703% | 6,335 |
| Noninterest income to average assets | 0.1111% | 7,428 |
| Noninterest expense to average assets | 1.7511% | 7,790 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0423% | 1,966 |
| Return on assets (ROA) | 1.0423% | 2,042 |
| Pretax return on assets | 1.3182% | 1,967 |
| Return on Equity (ROE) | 7.8131% | 2,849 |
| Retained earnings to average equity (ytd only) | 7.8131% | 1,271 |
| Net charge-offs to loans | -0.0250% | 7,738 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0537% | 6,981 |
| Assets per employee ($millions) | 6.7301% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7293% | 7,360 |
| Loan loss allowance to noncurrent loans | 175.5102% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 7,085 |
| Noncurrent loans to loans | 0.4156% | 6,471 |
| Net loans and leases to total assets | 43.4817% | 7,363 |
| Net loans and leases to deposits | 51.3872% | 7,413 |
| Net loans and leases to core deposits | 58.2421% | 7,516 |
| Total domestic deposits to total assets | 84.6158% | 3,439 |
| Equity capital to assets | 13.0421% | 1,675 |
| Core capital (leverage) ratio | 13.5428% | 1,259 |
| Tier 1 risk-based capital ratio | 22.1071% | 1,237 |
| Total risk-based capital ratio | 22.6358% | 1,305 |
| Memoranda: | ||
| Average total assets | $52,194,330 | 6,738 |
| Average earning assets | $50,288,330 | 6,620 |
| Average equity | $6,962,670 | 6,384 |
| Average total loans | $23,994,000 | 7,084 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3689% | 5,578 |
| Cost of funding earning assets | 2.1938% | 3,197 |
| Net interest margin | 3.1751% | 5,938 |
| Noninterest income to average assets | 0.1246% | 7,402 |
| Noninterest expense to average assets | 1.7675% | 7,739 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1602% | 1,773 |
| Return on assets (ROA) | 1.1602% | 1,892 |
| Pretax return on assets | 1.4561% | 1,801 |
| Return on Equity (ROE) | 8.5966% | 2,885 |
| Retained earnings to average equity (ytd only) | 8.5966% | 1,599 |
| Net charge-offs to loans | -0.0496% | 7,695 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8309% | 7,130 |
| Assets per employee ($millions) | 6.5525% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7283% | 7,364 |
| Loan loss allowance to noncurrent loans | 318.5185% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 7,280 |
| Noncurrent loans to loans | 0.2287% | 6,880 |
| Net loans and leases to total assets | 44.7234% | 7,287 |
| Net loans and leases to deposits | 54.4551% | 7,257 |
| Net loans and leases to core deposits | 61.5700% | 7,405 |
| Total domestic deposits to total assets | 82.1290% | 4,498 |
| Equity capital to assets | 13.4033% | 1,571 |
| Core capital (leverage) ratio | 13.7640% | 1,245 |
| Tier 1 risk-based capital ratio | 23.1583% | 1,173 |
| Total risk-based capital ratio | 23.7217% | 1,219 |
| Memoranda: | ||
| Average total assets | $51,371,000 | 6,805 |
| Average earning assets | $50,140,500 | 6,655 |
| Average equity | $6,933,000 | 6,437 |
| Average total loans | $24,199,500 | 7,121 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8661% | 6,204 |
| Cost of funding earning assets | 2.7454% | 2,947 |
| Net interest margin | 3.1207% | 6,593 |
| Noninterest income to average assets | 0.1042% | 7,616 |
| Noninterest expense to average assets | 1.8204% | 7,731 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9863% | 2,603 |
| Return on assets (ROA) | 0.9848% | 2,494 |
| Pretax return on assets | 1.3056% | 2,292 |
| Return on Equity (ROE) | 6.9885% | 3,537 |
| Retained earnings to average equity (ytd only) | 3.1318% | 3,208 |
| Net charge-offs to loans | 0.0127% | 6,738 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 213.3333% | 225 |
| Efficiency ratio | 58.1973% | 6,662 |
| Assets per employee ($millions) | 6.2903% | 995 |
| Cash dividends to net income (ytd only)* | 55.1867% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6819% | 7,473 |
| Loan loss allowance to noncurrent loans | 312.9630% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 7,147 |
| Noncurrent loans to loans | 0.2179% | 6,740 |
| Net loans and leases to total assets | 48.9130% | 7,109 |
| Net loans and leases to deposits | 58.3132% | 7,187 |
| Net loans and leases to core deposits | 64.9189% | 7,403 |
| Total domestic deposits to total assets | 83.8798% | 3,380 |
| Equity capital to assets | 13.5925% | 1,572 |
| Core capital (leverage) ratio | 13.9700% | 1,263 |
| Tier 1 risk-based capital ratio | 22.3057% | 1,277 |
| Total risk-based capital ratio | 22.8503% | 1,336 |
| Memoranda: | ||
| Average total assets | $48,944,400 | 6,826 |
| Average earning assets | $47,425,200 | 6,691 |
| Average equity | $6,897,000 | 6,493 |
| Average total loans | $23,640,200 | 7,098 |