Home > American Savings Bank > Performance and Condition Ratios
American Savings Bank, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8361% | 1,940 |
| Cost of funding earning assets | 0.4826% | 1,150 |
| Net interest margin | 3.3535% | 2,287 |
| Noninterest income to average assets | 0.1134% | 4,608 |
| Noninterest expense to average assets | 1.5739% | 4,500 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6543% | 910 |
| Return on assets (ROA) | 1.6543% | 955 |
| Pretax return on assets | 1.7417% | 1,301 |
| Return on Equity (ROE) | 8.4692% | 3,265 |
| Retained earnings to average equity (ytd only) | 3.0247% | 3,903 |
| 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 | 47.4697% | 4,407 |
| Assets per employee ($millions) | 11.1446% | 463 |
| Cash dividends to net income (ytd only)* | 64.2857% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 2,955 |
| 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 | 49.9004% | 3,423 |
| Net loans and leases to deposits | 62.4349% | 2,999 |
| Net loans and leases to core deposits | 68.6839% | 2,716 |
| Total domestic deposits to total assets | 79.9239% | 4,238 |
| Equity capital to assets | 19.8787% | 198 |
| Core capital (leverage) ratio | 18.9443% | 225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,418,250 | 4,551 |
| Average earning assets | $53,873,000 | 4,519 |
| Average equity | $11,020,000 | 4,085 |
| Average total loans | $28,315,750 | 4,469 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0372% | 1,478 |
| Cost of funding earning assets | 0.4991% | 1,209 |
| Net interest margin | 3.5381% | 1,751 |
| Noninterest income to average assets | 0.1094% | 4,653 |
| Noninterest expense to average assets | 1.5746% | 4,544 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8182% | 689 |
| Return on assets (ROA) | 1.8182% | 724 |
| Pretax return on assets | 1.9135% | 992 |
| Return on Equity (ROE) | 9.3628% | 2,989 |
| Retained earnings to average equity (ytd only) | 3.9087% | 3,547 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1417% | 4,562 |
| Assets per employee ($millions) | 9.4660% | 723 |
| Cash dividends to net income (ytd only)* | 58.2524% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 3,072 |
| 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 | 50.3275% | 3,527 |
| Net loans and leases to deposits | 62.6677% | 3,133 |
| Net loans and leases to core deposits | 68.7727% | 2,885 |
| Total domestic deposits to total assets | 80.3085% | 4,188 |
| Equity capital to assets | 19.4943% | 210 |
| Core capital (leverage) ratio | 18.6792% | 233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,650,000 | 4,579 |
| Average earning assets | $54,096,333 | 4,545 |
| Average equity | $11,001,000 | 4,097 |
| Average total loans | $28,372,333 | 4,497 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7946% | 2,114 |
| Cost of funding earning assets | 0.5178% | 1,284 |
| Net interest margin | 3.2768% | 2,458 |
| Noninterest income to average assets | 0.1061% | 4,654 |
| Noninterest expense to average assets | 1.5695% | 4,577 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5978% | 1,132 |
| Return on assets (ROA) | 1.5978% | 1,180 |
| Pretax return on assets | 1.6685% | 1,563 |
| Return on Equity (ROE) | 8.2440% | 3,255 |
| Retained earnings to average equity (ytd only) | 2.7723% | 3,849 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4716% | 4,310 |
| Assets per employee ($millions) | 9.4567% | 711 |
| Cash dividends to net income (ytd only)* | 66.3717% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 3,048 |
| 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 | 50.2820% | 3,598 |
| Net loans and leases to deposits | 62.3443% | 3,288 |
| Net loans and leases to core deposits | 68.3779% | 3,031 |
| Total domestic deposits to total assets | 80.6521% | 4,111 |
| Equity capital to assets | 19.1523% | 218 |
| Core capital (leverage) ratio | 18.7370% | 233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,577,000 | 4,599 |
| Average earning assets | $54,076,500 | 4,563 |
| Average equity | $10,965,500 | 4,113 |
| Average total loans | $28,096,500 | 4,529 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8682% | 3,118 |
| Cost of funding earning assets | 0.7894% | 1,256 |
| Net interest margin | 3.0788% | 3,679 |
| Noninterest income to average assets | 0.1196% | 4,671 |
| Noninterest expense to average assets | 1.5903% | 4,714 |
| Loan and lease loss provision to assets | 0.0841% | 3,329 |
| Net operating income to assets | 1.3006% | 1,250 |
| Return on assets (ROA) | 1.3006% | 1,346 |
| Pretax return on assets | 1.3679% | 1,763 |
| Return on Equity (ROE) | 6.4601% | 3,423 |
| Retained earnings to average equity (ytd only) | 2.5154% | 3,593 |
| Net charge-offs to loans | 0.0150% | 2,818 |
| Credit loss provision to net charge-offs | 1,125.0000% | 714 |
| Earnings coverage of net charge-offs (x) | 194.2500% | 476 |
| Efficiency ratio | 52.2727% | 4,367 |
| Assets per employee ($millions) | 9.4030% | 647 |
| Cash dividends to net income (ytd only)* | 61.0632% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 2,721 |
| 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 | 47.8269% | 3,987 |
| Net loans and leases to deposits | 59.6507% | 3,789 |
| Net loans and leases to core deposits | 65.4848% | 3,583 |
| Total domestic deposits to total assets | 80.1783% | 4,019 |
| Equity capital to assets | 19.6179% | 210 |
| Core capital (leverage) ratio | 18.6424% | 235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,512,600 | 4,605 |
| Average earning assets | $50,798,200 | 4,573 |
| Average equity | $10,773,800 | 4,111 |
| Average total loans | $26,664,200 | 4,587 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9664% | 3,072 |
| Cost of funding earning assets | 0.8518% | 1,251 |
| Net interest margin | 3.1145% | 3,707 |
| Noninterest income to average assets | 0.1313% | 4,634 |
| Noninterest expense to average assets | 1.6115% | 4,721 |
| Loan and lease loss provision to assets | 0.0758% | 3,374 |
| Net operating income to assets | 1.3235% | 1,303 |
| Return on assets (ROA) | 1.3235% | 1,387 |
| Pretax return on assets | 1.3993% | 1,737 |
| Return on Equity (ROE) | 6.5293% | 3,363 |
| Retained earnings to average equity (ytd only) | 2.7911% | 3,610 |
| Net charge-offs to loans | 0.0201% | 2,456 |
| Credit loss provision to net charge-offs | 750.0000% | 1,025 |
| Earnings coverage of net charge-offs (x) | 146.0000% | 617 |
| Efficiency ratio | 52.2095% | 4,328 |
| Assets per employee ($millions) | 9.1028% | 674 |
| Cash dividends to net income (ytd only)* | 57.2519% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,662 |
| Loan loss allowance to noncurrent loans | 1,160.7143% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 4,184 |
| Noncurrent loans to loans | 0.1034% | 3,951 |
| Net loans and leases to total assets | 48.9847% | 4,156 |
| Net loans and leases to deposits | 61.4399% | 3,960 |
| Net loans and leases to core deposits | 67.2532% | 3,808 |
| Total domestic deposits to total assets | 79.7279% | 3,921 |
| Equity capital to assets | 20.0194% | 212 |
| Core capital (leverage) ratio | 19.5131% | 218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,786,250 | 4,634 |
| Average earning assets | $50,086,500 | 4,605 |
| Average equity | $10,700,250 | 4,128 |
| Average total loans | $26,499,500 | 4,615 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8931% | 3,641 |
| Cost of funding earning assets | 0.8745% | 1,482 |
| Net interest margin | 3.0185% | 4,080 |
| Noninterest income to average assets | 0.1303% | 4,653 |
| Noninterest expense to average assets | 1.5984% | 4,778 |
| Loan and lease loss provision to assets | 0.0575% | 3,582 |
| Net operating income to assets | 1.2688% | 1,441 |
| Return on assets (ROA) | 1.2688% | 1,562 |
| Pretax return on assets | 1.3454% | 1,884 |
| Return on Equity (ROE) | 6.2322% | 3,427 |
| Retained earnings to average equity (ytd only) | 3.4079% | 3,221 |
| Net charge-offs to loans | 0.0304% | 2,113 |
| Credit loss provision to net charge-offs | 375.0000% | 1,459 |
| Earnings coverage of net charge-offs (x) | 91.5000% | 739 |
| Efficiency ratio | 53.2567% | 4,255 |
| Assets per employee ($millions) | 8.9085% | 699 |
| Cash dividends to net income (ytd only)* | 45.3172% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 2,537 |
| Loan loss allowance to noncurrent loans | 107.2664% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 2,193 |
| Noncurrent loans to loans | 1.1155% | 1,411 |
| Net loans and leases to total assets | 47.8906% | 4,263 |
| Net loans and leases to deposits | 60.2887% | 4,101 |
| Net loans and leases to core deposits | 66.1379% | 3,964 |
| Total domestic deposits to total assets | 79.4354% | 3,948 |
| Equity capital to assets | 20.2990% | 202 |
| Core capital (leverage) ratio | 19.7413% | 219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,176,000 | 4,658 |
| Average earning assets | $49,626,667 | 4,627 |
| Average equity | $10,622,333 | 4,151 |
| Average total loans | $26,306,333 | 4,638 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0852% | 3,568 |
| Cost of funding earning assets | 0.8987% | 1,875 |
| Net interest margin | 3.1864% | 3,892 |
| Noninterest income to average assets | 0.1319% | 4,711 |
| Noninterest expense to average assets | 1.6454% | 4,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4358% | 913 |
| Return on assets (ROA) | 1.4358% | 985 |
| Pretax return on assets | 1.5134% | 1,270 |
| Return on Equity (ROE) | 7.0419% | 2,931 |
| Retained earnings to average equity (ytd only) | 7.0419% | 1,521 |
| Net charge-offs to loans | 0.0604% | 1,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 48.7500% | 915 |
| Efficiency ratio | 52.0885% | 4,545 |
| Assets per employee ($millions) | 8.6242% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 3,107 |
| Loan loss allowance to noncurrent loans | 41.9034% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 1.3605% | 842 |
| Noncurrent loans to loans | 2.6653% | 431 |
| Net loans and leases to total assets | 50.4764% | 4,219 |
| Net loans and leases to deposits | 63.5082% | 4,009 |
| Net loans and leases to core deposits | 69.8612% | 3,886 |
| Total domestic deposits to total assets | 79.4801% | 3,959 |
| Equity capital to assets | 20.2783% | 235 |
| Core capital (leverage) ratio | 20.3499% | 226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,538,500 | 4,686 |
| Average earning assets | $48,957,500 | 4,654 |
| Average equity | $10,508,500 | 4,181 |
| Average total loans | $26,505,500 | 4,667 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1662% | 3,893 |
| Cost of funding earning assets | 0.8922% | 2,225 |
| Net interest margin | 3.2741% | 4,039 |
| Noninterest income to average assets | 0.1684% | 4,647 |
| Noninterest expense to average assets | 1.7827% | 4,791 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4282% | 1,247 |
| Return on assets (ROA) | 1.4358% | 1,294 |
| Pretax return on assets | 1.5140% | 1,764 |
| Return on Equity (ROE) | 6.8997% | 3,584 |
| Retained earnings to average equity (ytd only) | 1.1178% | 4,349 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2073% | 4,403 |
| Assets per employee ($millions) | 8.5553% | 582 |
| Cash dividends to net income (ytd only)* | 83.7989% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 2,816 |
| Loan loss allowance to noncurrent loans | 70.6856% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.8240% | 1,564 |
| Noncurrent loans to loans | 1.5904% | 887 |
| Net loans and leases to total assets | 51.2312% | 4,271 |
| Net loans and leases to deposits | 64.6365% | 4,033 |
| Net loans and leases to core deposits | 71.1584% | 3,906 |
| Total domestic deposits to total assets | 79.2605% | 4,131 |
| Equity capital to assets | 20.5018% | 231 |
| Core capital (leverage) ratio | 19.9743% | 241 |
| Tier 1 risk-based capital ratio | 28.4191% | 539 |
| Total risk-based capital ratio | 29.2473% | 547 |
| Memoranda: | ||
| Average total assets | $49,867,400 | 4,751 |
| Average earning assets | $47,525,000 | 4,721 |
| Average equity | $10,377,200 | 4,189 |
| Average total loans | $25,775,200 | 4,733 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 3,860 |
| Cost of funding earning assets | 0.8729% | 2,353 |
| Net interest margin | 3.3562% | 3,971 |
| Noninterest income to average assets | 0.1535% | 4,781 |
| Noninterest expense to average assets | 1.7642% | 4,860 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5116% | 1,161 |
| Return on assets (ROA) | 1.5218% | 1,186 |
| Pretax return on assets | 1.5999% | 1,637 |
| Return on Equity (ROE) | 7.2850% | 3,587 |
| Retained earnings to average equity (ytd only) | 1.4828% | 4,440 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6104% | 4,548 |
| Assets per employee ($millions) | 8.3952% | 597 |
| Cash dividends to net income (ytd only)* | 79.6472% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 2,942 |
| Loan loss allowance to noncurrent loans | 70.6856% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 0.8398% | 1,637 |
| Noncurrent loans to loans | 1.5802% | 935 |
| Net loans and leases to total assets | 52.5501% | 4,281 |
| Net loans and leases to deposits | 66.7036% | 4,015 |
| Net loans and leases to core deposits | 72.0057% | 3,949 |
| Total domestic deposits to total assets | 78.7814% | 4,220 |
| Equity capital to assets | 20.9744% | 220 |
| Core capital (leverage) ratio | 20.6658% | 219 |
| Tier 1 risk-based capital ratio | 28.3104% | 552 |
| Total risk-based capital ratio | 29.1357% | 565 |
| Memoranda: | ||
| Average total assets | $49,501,250 | 4,823 |
| Average earning assets | $47,195,250 | 4,793 |
| Average equity | $10,340,500 | 4,240 |
| Average total loans | $25,569,750 | 4,807 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2148% | 3,886 |
| Cost of funding earning assets | 0.8575% | 2,365 |
| Net interest margin | 3.3573% | 4,014 |
| Noninterest income to average assets | 0.1504% | 4,826 |
| Noninterest expense to average assets | 1.8207% | 4,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4476% | 1,302 |
| Return on assets (ROA) | 1.4631% | 1,309 |
| Pretax return on assets | 1.5444% | 1,722 |
| Return on Equity (ROE) | 7.0137% | 3,673 |
| Retained earnings to average equity (ytd only) | 1.1689% | 4,386 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3689% | 4,429 |
| Assets per employee ($millions) | 8.1615% | 633 |
| Cash dividends to net income (ytd only)* | 83.3333% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 2,666 |
| Loan loss allowance to noncurrent loans | 71.7026% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 0.8516% | 1,655 |
| Noncurrent loans to loans | 1.6326% | 945 |
| Net loans and leases to total assets | 51.5489% | 4,385 |
| Net loans and leases to deposits | 65.7781% | 4,113 |
| Net loans and leases to core deposits | 71.1792% | 4,053 |
| Total domestic deposits to total assets | 78.3679% | 4,335 |
| Equity capital to assets | 21.3727% | 194 |
| Core capital (leverage) ratio | 20.6325% | 214 |
| Tier 1 risk-based capital ratio | 29.5132% | 494 |
| Total risk-based capital ratio | 30.3781% | 507 |
| Memoranda: | ||
| Average total assets | $49,211,330 | 4,862 |
| Average earning assets | $46,882,670 | 4,838 |
| Average equity | $10,265,670 | 4,267 |
| Average total loans | $25,170,000 | 4,853 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1124% | 4,091 |
| Cost of funding earning assets | 0.8225% | 2,409 |
| Net interest margin | 3.2899% | 4,184 |
| Noninterest income to average assets | 0.1297% | 4,954 |
| Noninterest expense to average assets | 1.7595% | 4,960 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4352% | 1,278 |
| Return on assets (ROA) | 1.4352% | 1,309 |
| Pretax return on assets | 1.5162% | 1,713 |
| Return on Equity (ROE) | 6.9647% | 3,695 |
| Retained earnings to average equity (ytd only) | 1.0624% | 4,297 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7129% | 4,559 |
| Assets per employee ($millions) | 9.8778% | 352 |
| Cash dividends to net income (ytd only)* | 84.7458% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 2,729 |
| Loan loss allowance to noncurrent loans | 52.6408% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 1.1501% | 1,182 |
| Noncurrent loans to loans | 2.2267% | 633 |
| Net loans and leases to total assets | 51.0438% | 4,403 |
| Net loans and leases to deposits | 64.6377% | 4,147 |
| Net loans and leases to core deposits | 69.8396% | 4,086 |
| Total domestic deposits to total assets | 78.9690% | 4,358 |
| Equity capital to assets | 20.8164% | 208 |
| Core capital (leverage) ratio | 20.6623% | 217 |
| Tier 1 risk-based capital ratio | 29.7169% | 486 |
| Total risk-based capital ratio | 30.5905% | 491 |
| Memoranda: | ||
| Average total assets | $49,332,500 | 4,916 |
| Average earning assets | $47,174,000 | 4,877 |
| Average equity | $10,165,500 | 4,306 |
| Average total loans | $24,984,000 | 4,904 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1585% | 3,557 |
| Cost of funding earning assets | 0.7014% | 2,084 |
| Net interest margin | 3.4571% | 3,842 |
| Noninterest income to average assets | 0.1704% | 4,875 |
| Noninterest expense to average assets | 1.7861% | 5,014 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5910% | 890 |
| Return on assets (ROA) | 1.5910% | 879 |
| Pretax return on assets | 1.6732% | 1,239 |
| Return on Equity (ROE) | 7.7602% | 3,544 |
| Retained earnings to average equity (ytd only) | 1.7523% | 4,445 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6320% | 4,824 |
| Assets per employee ($millions) | 7.0394% | 959 |
| Cash dividends to net income (ytd only)* | 77.4194% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 49.0300% | 4,578 |
| Net loans and leases to deposits | 61.7114% | 4,388 |
| Net loans and leases to core deposits | 66.7920% | 4,308 |
| Total domestic deposits to total assets | 79.4504% | 4,223 |
| Equity capital to assets | 20.3953% | 213 |
| Core capital (leverage) ratio | 21.0396% | 191 |
| Tier 1 risk-based capital ratio | 30.4823% | 455 |
| Total risk-based capital ratio | 31.3809% | 462 |
| Memoranda: | ||
| Average total assets | $48,710,400 | 4,959 |
| Average earning assets | $46,339,000 | 4,928 |
| Average equity | $9,986,800 | 4,298 |
| Average total loans | $25,155,600 | 4,932 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1510% | 3,456 |
| Cost of funding earning assets | 0.6735% | 2,011 |
| Net interest margin | 3.4774% | 3,773 |
| Noninterest income to average assets | 0.1675% | 4,946 |
| Noninterest expense to average assets | 1.7542% | 5,081 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6279% | 900 |
| Return on assets (ROA) | 1.6279% | 905 |
| Pretax return on assets | 1.7157% | 1,233 |
| Return on Equity (ROE) | 7.9295% | 3,580 |
| Retained earnings to average equity (ytd only) | 1.9121% | 4,607 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5538% | 4,915 |
| Assets per employee ($millions) | 6.6967% | 1,090 |
| Cash dividends to net income (ytd only)* | 75.8857% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 2,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 54.1246% | 4,358 |
| Net loans and leases to deposits | 69.8069% | 3,931 |
| Net loans and leases to core deposits | 75.4625% | 3,843 |
| Total domestic deposits to total assets | 77.5348% | 4,559 |
| Equity capital to assets | 21.0828% | 189 |
| Core capital (leverage) ratio | 21.4577% | 181 |
| Tier 1 risk-based capital ratio | 30.0339% | 476 |
| Total risk-based capital ratio | 30.9221% | 489 |
| Memoranda: | ||
| Average total assets | $48,569,000 | 5,016 |
| Average earning assets | $46,124,750 | 4,984 |
| Average equity | $9,971,000 | 4,339 |
| Average total loans | $25,329,750 | 4,986 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0893% | 3,492 |
| Cost of funding earning assets | 0.6658% | 1,835 |
| Net interest margin | 3.4235% | 3,885 |
| Noninterest income to average assets | 0.1750% | 4,947 |
| Noninterest expense to average assets | 1.7911% | 5,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5428% | 1,047 |
| Return on assets (ROA) | 1.5428% | 1,054 |
| Pretax return on assets | 1.6282% | 1,408 |
| Return on Equity (ROE) | 7.5797% | 3,688 |
| Retained earnings to average equity (ytd only) | 1.5799% | 4,614 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3810% | 4,848 |
| Assets per employee ($millions) | 6.8507% | 991 |
| Cash dividends to net income (ytd only)* | 79.1557% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 2,784 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 51.7673% | 4,490 |
| Net loans and leases to deposits | 65.4720% | 4,192 |
| Net loans and leases to core deposits | 71.0789% | 4,080 |
| Total domestic deposits to total assets | 79.0679% | 4,418 |
| Equity capital to assets | 20.7507% | 195 |
| Core capital (leverage) ratio | 20.5695% | 202 |
| Tier 1 risk-based capital ratio | 29.1864% | 511 |
| Total risk-based capital ratio | 30.0549% | 521 |
| Memoranda: | ||
| Average total assets | $49,133,000 | 5,062 |
| Average earning assets | $46,560,670 | 5,033 |
| Average equity | $10,000,330 | 4,380 |
| Average total loans | $25,216,000 | 5,048 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0611% | 3,368 |
| Cost of funding earning assets | 0.6471% | 1,733 |
| Net interest margin | 3.4141% | 3,838 |
| Noninterest income to average assets | 0.2172% | 4,703 |
| Noninterest expense to average assets | 1.7216% | 5,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6331% | 790 |
| Return on assets (ROA) | 1.6331% | 793 |
| Pretax return on assets | 1.7216% | 1,064 |
| Return on Equity (ROE) | 8.0998% | 3,332 |
| Retained earnings to average equity (ytd only) | 2.1147% | 4,313 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 5,085 |
| Assets per employee ($millions) | 7.0403% | 942 |
| Cash dividends to net income (ytd only)* | 73.8916% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 3,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 51.9155% | 4,443 |
| Net loans and leases to deposits | 65.1482% | 4,143 |
| Net loans and leases to core deposits | 72.5137% | 3,917 |
| Total domestic deposits to total assets | 79.6883% | 4,461 |
| Equity capital to assets | 20.1676% | 208 |
| Core capital (leverage) ratio | 20.0069% | 213 |
| Tier 1 risk-based capital ratio | 27.7424% | 573 |
| Total risk-based capital ratio | 28.5843% | 587 |
| Memoranda: | ||
| Average total assets | $49,722,000 | 5,113 |
| Average earning assets | $46,982,000 | 5,080 |
| Average equity | $10,025,000 | 4,423 |
| Average total loans | $25,262,000 | 5,096 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0767% | 3,142 |
| Cost of funding earning assets | 0.6770% | 1,149 |
| Net interest margin | 3.3996% | 3,859 |
| Noninterest income to average assets | 0.0764% | 5,470 |
| Noninterest expense to average assets | 1.6776% | 5,353 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5434% | 733 |
| Return on assets (ROA) | 1.5620% | 714 |
| Pretax return on assets | 1.6463% | 1,171 |
| Return on Equity (ROE) | 7.8986% | 2,838 |
| Retained earnings to average equity (ytd only) | 1.9524% | 4,152 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7711% | 5,181 |
| Assets per employee ($millions) | 7.1660% | 904 |
| Cash dividends to net income (ytd only)* | 75.2823% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 2,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 4,345 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 48.5248% | 4,734 |
| Net loans and leases to deposits | 60.8753% | 4,507 |
| Net loans and leases to core deposits | 67.2719% | 4,342 |
| Total domestic deposits to total assets | 79.7117% | 4,391 |
| Equity capital to assets | 20.1567% | 201 |
| Core capital (leverage) ratio | 19.8483% | 204 |
| Tier 1 risk-based capital ratio | 28.0102% | 541 |
| Total risk-based capital ratio | 28.8504% | 552 |
| Memoranda: | ||
| Average total assets | $51,024,400 | 5,139 |
| Average earning assets | $48,446,400 | 5,097 |
| Average equity | $10,090,400 | 4,430 |
| Average total loans | $25,940,200 | 5,129 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0542% | 3,157 |
| Cost of funding earning assets | 0.6721% | 1,111 |
| Net interest margin | 3.3821% | 3,912 |
| Noninterest income to average assets | 0.0234% | 5,648 |
| Noninterest expense to average assets | 1.6341% | 5,420 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5223% | 856 |
| Return on assets (ROA) | 1.5743% | 779 |
| Pretax return on assets | 1.6653% | 1,200 |
| Return on Equity (ROE) | 7.9983% | 3,123 |
| Retained earnings to average equity (ytd only) | 2.0491% | 4,618 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3609% | 5,223 |
| Assets per employee ($millions) | 7.2657% | 841 |
| Cash dividends to net income (ytd only)* | 74.3805% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 3,360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 4,484 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 51.7617% | 4,586 |
| Net loans and leases to deposits | 69.4453% | 4,008 |
| Net loans and leases to core deposits | 77.1842% | 3,711 |
| Total domestic deposits to total assets | 74.5360% | 5,183 |
| Equity capital to assets | 20.2399% | 221 |
| Core capital (leverage) ratio | 19.5883% | 223 |
| Tier 1 risk-based capital ratio | 27.4739% | 593 |
| Total risk-based capital ratio | 28.3032% | 609 |
| Memoranda: | ||
| Average total assets | $51,240,000 | 5,189 |
| Average earning assets | $48,804,250 | 5,142 |
| Average equity | $10,085,250 | 4,477 |
| Average total loans | $26,265,250 | 5,171 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0258% | 3,111 |
| Cost of funding earning assets | 0.6655% | 1,062 |
| Net interest margin | 3.3603% | 3,909 |
| Noninterest income to average assets | 0.1596% | 5,251 |
| Noninterest expense to average assets | 1.6431% | 5,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6275% | 657 |
| Return on assets (ROA) | 1.6275% | 680 |
| Pretax return on assets | 1.7210% | 1,009 |
| Return on Equity (ROE) | 8.3469% | 2,852 |
| Retained earnings to average equity (ytd only) | 2.3563% | 4,269 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8426% | 5,364 |
| Assets per employee ($millions) | 7.3197% | 808 |
| Cash dividends to net income (ytd only)* | 71.7703% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 3,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2147% | 4,299 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 52.0844% | 4,561 |
| Net loans and leases to deposits | 68.7508% | 4,010 |
| Net loans and leases to core deposits | 76.1963% | 3,752 |
| Total domestic deposits to total assets | 75.7582% | 5,121 |
| Equity capital to assets | 19.9676% | 221 |
| Core capital (leverage) ratio | 18.8046% | 252 |
| Tier 1 risk-based capital ratio | 26.8255% | 615 |
| Total risk-based capital ratio | 27.6445% | 629 |
| Memoranda: | ||
| Average total assets | $51,366,670 | 5,223 |
| Average earning assets | $48,984,000 | 5,177 |
| Average equity | $10,015,670 | 4,506 |
| Average total loans | $26,145,330 | 5,216 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9600% | 3,175 |
| Cost of funding earning assets | 0.6424% | 1,115 |
| Net interest margin | 3.3176% | 3,948 |
| Noninterest income to average assets | 0.1322% | 5,456 |
| Noninterest expense to average assets | 1.6333% | 5,532 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5866% | 698 |
| Return on assets (ROA) | 1.5866% | 711 |
| Pretax return on assets | 1.6721% | 1,065 |
| Return on Equity (ROE) | 8.2358% | 2,791 |
| Retained earnings to average equity (ytd only) | 2.1801% | 4,273 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4118% | 5,407 |
| Assets per employee ($millions) | 8.7608% | 458 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 3,641 |
| Loan loss allowance to noncurrent loans | 269.3694% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 4,378 |
| Noncurrent loans to loans | 0.4130% | 3,611 |
| Net loans and leases to total assets | 50.5565% | 4,626 |
| Net loans and leases to deposits | 68.4552% | 3,950 |
| Net loans and leases to core deposits | 73.7580% | 3,855 |
| Total domestic deposits to total assets | 73.8533% | 5,427 |
| Equity capital to assets | 19.0184% | 244 |
| Core capital (leverage) ratio | 19.0371% | 229 |
| Tier 1 risk-based capital ratio | 26.2005% | 674 |
| Total risk-based capital ratio | 27.0049% | 687 |
| Memoranda: | ||
| Average total assets | $51,431,000 | 5,282 |
| Average earning assets | $49,192,000 | 5,228 |
| Average equity | $9,908,000 | 4,557 |
| Average total loans | $25,725,000 | 5,281 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 3,298 |
| Cost of funding earning assets | 0.7163% | 758 |
| Net interest margin | 3.2571% | 4,275 |
| Noninterest income to average assets | 0.1589% | 5,416 |
| Noninterest expense to average assets | 1.4680% | 5,732 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.7113% | 529 |
| Return on assets (ROA) | 1.7347% | 532 |
| Pretax return on assets | 1.8293% | 742 |
| Return on Equity (ROE) | 8.9971% | 2,417 |
| Retained earnings to average equity (ytd only) | 3.1102% | 3,691 |
| Net charge-offs to loans | 0.0396% | 3,233 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 95.4000% | 624 |
| Efficiency ratio | 44.8555% | 5,671 |
| Assets per employee ($millions) | 8.3828% | 520 |
| Cash dividends to net income (ytd only)* | 65.4308% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 3,018 |
| Loan loss allowance to noncurrent loans | 196.7105% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 4,066 |
| Noncurrent loans to loans | 0.6185% | 2,995 |
| Net loans and leases to total assets | 48.2673% | 4,876 |
| Net loans and leases to deposits | 61.5480% | 4,574 |
| Net loans and leases to core deposits | 67.1303% | 4,458 |
| Total domestic deposits to total assets | 78.4222% | 4,912 |
| Equity capital to assets | 19.5220% | 221 |
| Core capital (leverage) ratio | 18.9128% | 236 |
| Tier 1 risk-based capital ratio | 27.2038% | 608 |
| Total risk-based capital ratio | 28.0430% | 621 |
| Memoranda: | ||
| Average total assets | $52,862,400 | 5,292 |
| Average earning assets | $50,535,800 | 5,235 |
| Average equity | $10,192,200 | 4,541 |
| Average total loans | $25,254,000 | 5,339 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9781% | 3,303 |
| Cost of funding earning assets | 0.7247% | 720 |
| Net interest margin | 3.2534% | 4,336 |
| Noninterest income to average assets | 0.1595% | 5,476 |
| Noninterest expense to average assets | 1.4578% | 5,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7211% | 573 |
| Return on assets (ROA) | 1.7519% | 562 |
| Pretax return on assets | 1.8441% | 814 |
| Return on Equity (ROE) | 9.1129% | 2,440 |
| Retained earnings to average equity (ytd only) | 3.2796% | 3,939 |
| Net charge-offs to loans | 0.0524% | 2,618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 72.7164% | 839 |
| Efficiency ratio | 44.5884% | 5,728 |
| Assets per employee ($millions) | 8.6340% | 458 |
| Cash dividends to net income (ytd only)* | 64.0119% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 3,040 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 46.2126% | 5,080 |
| Net loans and leases to deposits | 60.4958% | 4,720 |
| Net loans and leases to core deposits | 67.8302% | 4,479 |
| Total domestic deposits to total assets | 76.3899% | 5,181 |
| Equity capital to assets | 20.2687% | 219 |
| Core capital (leverage) ratio | 18.7219% | 246 |
| Tier 1 risk-based capital ratio | 27.1823% | 629 |
| Total risk-based capital ratio | 28.0197% | 641 |
| Memoranda: | ||
| Average total assets | $53,503,750 | 5,325 |
| Average earning assets | $51,145,500 | 5,271 |
| Average equity | $10,285,500 | 4,571 |
| Average total loans | $25,423,500 | 5,386 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0028% | 3,236 |
| Cost of funding earning assets | 0.7271% | 696 |
| Net interest margin | 3.2758% | 4,306 |
| Noninterest income to average assets | 0.1443% | 5,588 |
| Noninterest expense to average assets | 1.4796% | 5,851 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7076% | 572 |
| Return on assets (ROA) | 1.7533% | 554 |
| Pretax return on assets | 1.8457% | 794 |
| Return on Equity (ROE) | 9.2814% | 2,374 |
| Retained earnings to average equity (ytd only) | 3.4071% | 3,720 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1467% | 5,786 |
| Assets per employee ($millions) | 7.5206% | 693 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 3,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 46.5884% | 5,091 |
| Net loans and leases to deposits | 60.8450% | 4,743 |
| Net loans and leases to core deposits | 68.0427% | 4,469 |
| Total domestic deposits to total assets | 76.5690% | 5,212 |
| Equity capital to assets | 20.0403% | 219 |
| Core capital (leverage) ratio | 18.0414% | 293 |
| Tier 1 risk-based capital ratio | 26.5989% | 682 |
| Total risk-based capital ratio | 27.4526% | 698 |
| Memoranda: | ||
| Average total assets | $54,070,330 | 5,370 |
| Average earning assets | $51,713,330 | 5,318 |
| Average equity | $10,214,000 | 4,609 |
| Average total loans | $25,818,330 | 5,438 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9545% | 3,386 |
| Cost of funding earning assets | 0.7162% | 748 |
| Net interest margin | 3.2382% | 4,440 |
| Noninterest income to average assets | 0.1387% | 5,653 |
| Noninterest expense to average assets | 1.5333% | 5,879 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6238% | 669 |
| Return on assets (ROA) | 1.6793% | 642 |
| Pretax return on assets | 1.7670% | 907 |
| Return on Equity (ROE) | 9.1579% | 2,336 |
| Retained earnings to average equity (ytd only) | 3.1853% | 3,916 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2973% | 5,757 |
| Assets per employee ($millions) | 8.9742% | 391 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 3,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 48.3295% | 4,944 |
| Net loans and leases to deposits | 62.3082% | 4,562 |
| Net loans and leases to core deposits | 71.2920% | 4,125 |
| Total domestic deposits to total assets | 77.5652% | 5,210 |
| Equity capital to assets | 18.8671% | 264 |
| Core capital (leverage) ratio | 16.1978% | 447 |
| Tier 1 risk-based capital ratio | 26.0848% | 732 |
| Total risk-based capital ratio | 26.9302% | 745 |
| Memoranda: | ||
| Average total assets | $54,783,500 | 5,405 |
| Average earning assets | $52,497,500 | 5,353 |
| Average equity | $10,046,000 | 4,652 |
| Average total loans | $26,310,000 | 5,470 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9656% | 3,448 |
| Cost of funding earning assets | 0.7200% | 737 |
| Net interest margin | 3.2456% | 4,486 |
| Noninterest income to average assets | 0.1937% | 5,426 |
| Noninterest expense to average assets | 1.4559% | 6,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.7568% | 522 |
| Return on assets (ROA) | 1.7603% | 533 |
| Pretax return on assets | 1.8526% | 720 |
| Return on Equity (ROE) | 9.7892% | 2,086 |
| Retained earnings to average equity (ytd only) | 3.6325% | 3,466 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0536% | 5,979 |
| Assets per employee ($millions) | 11.1444% | 190 |
| Cash dividends to net income (ytd only)* | 62.8931% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 3,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 46.6225% | 5,118 |
| Net loans and leases to deposits | 59.0983% | 4,840 |
| Net loans and leases to core deposits | 70.2002% | 4,291 |
| Total domestic deposits to total assets | 78.8898% | 4,997 |
| Equity capital to assets | 17.8260% | 331 |
| Core capital (leverage) ratio | 16.9681% | 368 |
| Tier 1 risk-based capital ratio | 25.7504% | 755 |
| Total risk-based capital ratio | 26.5944% | 773 |
| Memoranda: | ||
| Average total assets | $54,194,400 | 5,454 |
| Average earning assets | $51,946,600 | 5,393 |
| Average equity | $9,745,400 | 4,700 |
| Average total loans | $25,505,200 | 5,533 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9806% | 3,408 |
| Cost of funding earning assets | 0.7268% | 722 |
| Net interest margin | 3.2538% | 4,511 |
| Noninterest income to average assets | 0.1957% | 5,479 |
| Noninterest expense to average assets | 1.4643% | 6,065 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7569% | 566 |
| Return on assets (ROA) | 1.7616% | 581 |
| Pretax return on assets | 1.8533% | 798 |
| Return on Equity (ROE) | 9.7745% | 2,189 |
| Retained earnings to average equity (ytd only) | 3.5881% | 3,916 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2034% | 6,033 |
| Assets per employee ($millions) | 7.7983% | 591 |
| Cash dividends to net income (ytd only)* | 63.2914% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 3,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 48.0417% | 5,074 |
| Net loans and leases to deposits | 64.0932% | 4,554 |
| Net loans and leases to core deposits | 72.9161% | 4,109 |
| Total domestic deposits to total assets | 74.9560% | 5,627 |
| Equity capital to assets | 18.0388% | 337 |
| Core capital (leverage) ratio | 17.3272% | 348 |
| Tier 1 risk-based capital ratio | 25.1275% | 844 |
| Total risk-based capital ratio | 25.9569% | 871 |
| Memoranda: | ||
| Average total assets | $53,812,500 | 5,533 |
| Average earning assets | $51,548,500 | 5,472 |
| Average equity | $9,698,500 | 4,770 |
| Average total loans | $25,309,500 | 5,601 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9762% | 3,388 |
| Cost of funding earning assets | 0.7297% | 719 |
| Net interest margin | 3.2466% | 4,514 |
| Noninterest income to average assets | 0.1979% | 5,498 |
| Noninterest expense to average assets | 1.4751% | 6,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7369% | 586 |
| Return on assets (ROA) | 1.7440% | 605 |
| Pretax return on assets | 1.8374% | 832 |
| Return on Equity (ROE) | 9.6798% | 2,214 |
| Retained earnings to average equity (ytd only) | 3.4615% | 3,837 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6328% | 6,091 |
| Assets per employee ($millions) | 7.5579% | 656 |
| Cash dividends to net income (ytd only)* | 64.2398% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 3,735 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 47.7082% | 5,133 |
| Net loans and leases to deposits | 64.7644% | 4,460 |
| Net loans and leases to core deposits | 68.1646% | 4,481 |
| Total domestic deposits to total assets | 73.6641% | 5,820 |
| Equity capital to assets | 18.0607% | 334 |
| Core capital (leverage) ratio | 16.9864% | 368 |
| Tier 1 risk-based capital ratio | 26.1978% | 760 |
| Total risk-based capital ratio | 27.0727% | 775 |
| Memoranda: | ||
| Average total assets | $53,554,000 | 5,603 |
| Average earning assets | $51,254,330 | 5,533 |
| Average equity | $9,649,000 | 4,810 |
| Average total loans | $24,901,330 | 5,666 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8967% | 3,632 |
| Cost of funding earning assets | 0.6972% | 864 |
| Net interest margin | 3.1994% | 4,614 |
| Noninterest income to average assets | 0.2005% | 5,516 |
| Noninterest expense to average assets | 1.4922% | 6,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6853% | 611 |
| Return on assets (ROA) | 1.6853% | 639 |
| Pretax return on assets | 1.7744% | 909 |
| Return on Equity (ROE) | 9.3647% | 2,277 |
| Retained earnings to average equity (ytd only) | 3.1766% | 4,083 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6818% | 6,118 |
| Assets per employee ($millions) | 7.8917% | 568 |
| Cash dividends to net income (ytd only)* | 66.0793% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 4,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 46.7090% | 5,141 |
| Net loans and leases to deposits | 65.1229% | 4,256 |
| Net loans and leases to core deposits | 68.4811% | 4,288 |
| Total domestic deposits to total assets | 71.7244% | 6,049 |
| Equity capital to assets | 17.8071% | 348 |
| Core capital (leverage) ratio | 16.9334% | 366 |
| Tier 1 risk-based capital ratio | 24.6521% | 920 |
| Total risk-based capital ratio | 25.4854% | 954 |
| Memoranda: | ||
| Average total assets | $53,878,500 | 5,640 |
| Average earning assets | $51,634,000 | 5,576 |
| Average equity | $9,696,000 | 4,849 |
| Average total loans | $24,577,500 | 5,731 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0259% | 3,618 |
| Cost of funding earning assets | 0.7513% | 841 |
| Net interest margin | 3.2746% | 4,670 |
| Noninterest income to average assets | 0.2661% | 5,224 |
| Noninterest expense to average assets | 1.4676% | 6,313 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.8206% | 461 |
| Return on assets (ROA) | 1.9690% | 359 |
| Pretax return on assets | 2.0731% | 439 |
| Return on Equity (ROE) | 11.3659% | 1,602 |
| Retained earnings to average equity (ytd only) | 4.6866% | 2,834 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3618% | 6,339 |
| Assets per employee ($millions) | 7.5021% | 661 |
| Cash dividends to net income (ytd only)* | 58.7659% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 3,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 43.2905% | 5,513 |
| Net loans and leases to deposits | 56.9889% | 5,124 |
| Net loans and leases to core deposits | 59.8957% | 5,150 |
| Total domestic deposits to total assets | 75.9631% | 5,737 |
| Equity capital to assets | 18.1948% | 301 |
| Core capital (leverage) ratio | 17.2319% | 349 |
| Tier 1 risk-based capital ratio | 26.6823% | 708 |
| Total risk-based capital ratio | 27.5883% | 718 |
| Memoranda: | ||
| Average total assets | $51,854,200 | 5,745 |
| Average earning assets | $49,380,000 | 5,693 |
| Average equity | $8,983,000 | 4,979 |
| Average total loans | $21,398,400 | 5,907 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9775% | 3,845 |
| Cost of funding earning assets | 0.7592% | 855 |
| Net interest margin | 3.2183% | 4,900 |
| Noninterest income to average assets | 0.2218% | 5,603 |
| Noninterest expense to average assets | 1.5606% | 6,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6400% | 685 |
| Return on assets (ROA) | 1.8263% | 504 |
| Pretax return on assets | 1.9191% | 688 |
| Return on Equity (ROE) | 10.6785% | 1,911 |
| Retained earnings to average equity (ytd only) | 3.8913% | 3,882 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5255% | 6,224 |
| Assets per employee ($millions) | 7.4051% | 664 |
| Cash dividends to net income (ytd only)* | 63.5596% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 3,164 |
| Loan loss allowance to noncurrent loans | 15,450.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 6,192 |
| Noncurrent loans to loans | 0.0091% | 6,004 |
| Net loans and leases to total assets | 41.9207% | 5,679 |
| Net loans and leases to deposits | 56.4137% | 5,213 |
| Net loans and leases to core deposits | 59.3959% | 5,235 |
| Total domestic deposits to total assets | 74.3094% | 5,991 |
| Equity capital to assets | 17.9759% | 340 |
| Core capital (leverage) ratio | 17.1168% | 361 |
| Tier 1 risk-based capital ratio | 26.8397% | 720 |
| Total risk-based capital ratio | 27.7678% | 728 |
| Memoranda: | ||
| Average total assets | $51,689,000 | 5,812 |
| Average earning assets | $49,175,750 | 5,763 |
| Average equity | $8,840,000 | 5,052 |
| Average total loans | $20,987,250 | 5,982 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9511% | 3,926 |
| Cost of funding earning assets | 0.7609% | 878 |
| Net interest margin | 3.1901% | 4,979 |
| Noninterest income to average assets | 0.2169% | 5,652 |
| Noninterest expense to average assets | 1.5376% | 6,397 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6261% | 666 |
| Return on assets (ROA) | 1.6886% | 620 |
| Pretax return on assets | 1.7816% | 875 |
| Return on Equity (ROE) | 10.0453% | 2,133 |
| Retained earnings to average equity (ytd only) | 3.1334% | 4,215 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2619% | 6,316 |
| Assets per employee ($millions) | 7.4561% | 643 |
| Cash dividends to net income (ytd only)* | 68.8073% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 3,050 |
| Loan loss allowance to noncurrent loans | 15,450.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 6,258 |
| Noncurrent loans to loans | 0.0095% | 6,063 |
| Net loans and leases to total assets | 39.8080% | 5,836 |
| Net loans and leases to deposits | 53.2525% | 5,404 |
| Net loans and leases to core deposits | 56.3444% | 5,386 |
| Total domestic deposits to total assets | 74.7533% | 6,041 |
| Equity capital to assets | 17.5598% | 358 |
| Core capital (leverage) ratio | 16.9924% | 356 |
| Tier 1 risk-based capital ratio | 26.6443% | 725 |
| Total risk-based capital ratio | 27.5783% | 731 |
| Memoranda: | ||
| Average total assets | $51,640,000 | 5,865 |
| Average earning assets | $49,151,330 | 5,808 |
| Average equity | $8,680,670 | 5,113 |
| Average total loans | $20,636,670 | 6,050 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9510% | 3,890 |
| Cost of funding earning assets | 0.7639% | 909 |
| Net interest margin | 3.1871% | 4,962 |
| Noninterest income to average assets | 0.2103% | 5,671 |
| Noninterest expense to average assets | 1.5887% | 6,440 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5544% | 726 |
| Return on assets (ROA) | 1.6432% | 653 |
| Pretax return on assets | 1.7366% | 902 |
| Return on Equity (ROE) | 10.0018% | 2,035 |
| Retained earnings to average equity (ytd only) | 2.8915% | 4,363 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1566% | 6,305 |
| Assets per employee ($millions) | 7.3086% | 691 |
| Cash dividends to net income (ytd only)* | 71.0900% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5026% | 3,135 |
| Loan loss allowance to noncurrent loans | 15,450.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 6,327 |
| Noncurrent loans to loans | 0.0097% | 6,146 |
| Net loans and leases to total assets | 39.5934% | 5,836 |
| Net loans and leases to deposits | 51.0484% | 5,519 |
| Net loans and leases to core deposits | 53.6540% | 5,526 |
| Total domestic deposits to total assets | 77.5606% | 5,894 |
| Equity capital to assets | 16.9664% | 400 |
| Core capital (leverage) ratio | 17.1585% | 352 |
| Tier 1 risk-based capital ratio | 26.7944% | 725 |
| Total risk-based capital ratio | 27.7418% | 737 |
| Memoranda: | ||
| Average total assets | $51,363,500 | 5,928 |
| Average earning assets | $48,697,000 | 5,875 |
| Average equity | $8,438,500 | 5,193 |
| Average total loans | $20,412,000 | 6,121 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0320% | 3,969 |
| Cost of funding earning assets | 0.8718% | 854 |
| Net interest margin | 3.1602% | 5,126 |
| Noninterest income to average assets | 0.1955% | 5,918 |
| Noninterest expense to average assets | 1.3283% | 6,671 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7803% | 500 |
| Return on assets (ROA) | 1.8597% | 441 |
| Pretax return on assets | 1.9564% | 532 |
| Return on Equity (ROE) | 11.3692% | 1,649 |
| Retained earnings to average equity (ytd only) | 4.4085% | 3,041 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4938% | 6,663 |
| Assets per employee ($millions) | 7.3667% | 638 |
| Cash dividends to net income (ytd only)* | 61.2245% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 3,070 |
| Loan loss allowance to noncurrent loans | 10,300.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 6,418 |
| Noncurrent loans to loans | 0.0148% | 6,231 |
| Net loans and leases to total assets | 38.6875% | 6,045 |
| Net loans and leases to deposits | 50.6191% | 5,722 |
| Net loans and leases to core deposits | 53.2128% | 5,721 |
| Total domestic deposits to total assets | 76.4287% | 6,056 |
| Equity capital to assets | 15.8958% | 541 |
| Core capital (leverage) ratio | 16.9014% | 384 |
| Tier 1 risk-based capital ratio | 26.7616% | 703 |
| Total risk-based capital ratio | 27.7146% | 715 |
| Memoranda: | ||
| Average total assets | $52,698,000 | 5,948 |
| Average earning assets | $50,124,200 | 5,886 |
| Average equity | $8,619,800 | 5,187 |
| Average total loans | $21,602,000 | 6,127 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0370% | 3,992 |
| Cost of funding earning assets | 0.8971% | 828 |
| Net interest margin | 3.1399% | 5,199 |
| Noninterest income to average assets | 0.1938% | 6,011 |
| Noninterest expense to average assets | 1.2885% | 6,748 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8049% | 521 |
| Return on assets (ROA) | 1.9101% | 436 |
| Pretax return on assets | 2.0107% | 567 |
| Return on Equity (ROE) | 11.5978% | 1,623 |
| Retained earnings to average equity (ytd only) | 5.4856% | 2,729 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4104% | 6,745 |
| Assets per employee ($millions) | 7.4189% | 606 |
| Cash dividends to net income (ytd only)* | 52.7012% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 3,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 38.8624% | 6,114 |
| Net loans and leases to deposits | 52.8021% | 5,642 |
| Net loans and leases to core deposits | 55.5932% | 5,660 |
| Total domestic deposits to total assets | 73.6001% | 6,395 |
| Equity capital to assets | 16.0036% | 552 |
| Core capital (leverage) ratio | 16.8572% | 397 |
| Tier 1 risk-based capital ratio | 26.3684% | 756 |
| Total risk-based capital ratio | 27.3096% | 768 |
| Memoranda: | ||
| Average total assets | $52,980,750 | 6,010 |
| Average earning assets | $50,531,750 | 5,938 |
| Average equity | $8,725,500 | 5,210 |
| Average total loans | $21,937,750 | 6,186 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0523% | 3,917 |
| Cost of funding earning assets | 0.9005% | 898 |
| Net interest margin | 3.1518% | 5,119 |
| Noninterest income to average assets | 0.1650% | 6,230 |
| Noninterest expense to average assets | 1.2451% | 6,819 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8440% | 471 |
| Return on assets (ROA) | 1.9651% | 402 |
| Pretax return on assets | 2.0664% | 529 |
| Return on Equity (ROE) | 11.8235% | 1,546 |
| Retained earnings to average equity (ytd only) | 7.3107% | 1,740 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1048% | 6,819 |
| Assets per employee ($millions) | 7.4363% | 589 |
| Cash dividends to net income (ytd only)* | 38.1679% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 3,855 |
| Loan loss allowance to noncurrent loans | 4,414.2857% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 6,510 |
| Noncurrent loans to loans | 0.0326% | 6,308 |
| Net loans and leases to total assets | 40.6655% | 5,998 |
| Net loans and leases to deposits | 54.4795% | 5,478 |
| Net loans and leases to core deposits | 57.3053% | 5,492 |
| Total domestic deposits to total assets | 74.6436% | 6,388 |
| Equity capital to assets | 15.5416% | 612 |
| Core capital (leverage) ratio | 15.9785% | 469 |
| Tier 1 risk-based capital ratio | 25.5562% | 812 |
| Total risk-based capital ratio | 26.4742% | 833 |
| Memoranda: | ||
| Average total assets | $53,330,330 | 6,041 |
| Average earning assets | $51,081,670 | 5,966 |
| Average equity | $8,863,670 | 5,208 |
| Average total loans | $22,420,000 | 6,197 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0093% | 4,079 |
| Cost of funding earning assets | 0.8910% | 1,032 |
| Net interest margin | 3.1183% | 5,199 |
| Noninterest income to average assets | 0.1853% | 6,147 |
| Noninterest expense to average assets | 1.2600% | 6,891 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8363% | 450 |
| Return on assets (ROA) | 1.9419% | 411 |
| Pretax return on assets | 2.0456% | 550 |
| Return on Equity (ROE) | 11.3291% | 1,606 |
| Retained earnings to average equity (ytd only) | 7.0050% | 2,146 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4432% | 6,882 |
| Assets per employee ($millions) | 7.6509% | 577 |
| Cash dividends to net income (ytd only)* | 38.1679% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 4,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 41.4613% | 5,881 |
| Net loans and leases to deposits | 54.4187% | 5,404 |
| Net loans and leases to core deposits | 57.0940% | 5,425 |
| Total domestic deposits to total assets | 76.1894% | 6,345 |
| Equity capital to assets | 17.2642% | 398 |
| Core capital (leverage) ratio | 15.6055% | 502 |
| Tier 1 risk-based capital ratio | 24.6050% | 942 |
| Total risk-based capital ratio | 25.5057% | 969 |
| Memoranda: | ||
| Average total assets | $53,968,500 | 6,078 |
| Average earning assets | $52,079,000 | 5,984 |
| Average equity | $9,250,500 | 5,171 |
| Average total loans | $22,891,500 | 6,230 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2602% | 4,366 |
| Cost of funding earning assets | 1.0304% | 1,206 |
| Net interest margin | 3.2298% | 5,493 |
| Noninterest income to average assets | 0.1858% | 6,066 |
| Noninterest expense to average assets | 1.2967% | 6,953 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.8960% | 439 |
| Return on assets (ROA) | 2.0511% | 356 |
| Pretax return on assets | 2.1581% | 446 |
| Return on Equity (ROE) | 12.2328% | 1,435 |
| Retained earnings to average equity (ytd only) | 5.5176% | 2,373 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3957% | 6,942 |
| Assets per employee ($millions) | 7.7687% | 564 |
| Cash dividends to net income (ytd only)* | 54.8948% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 4,505 |
| Loan loss allowance to noncurrent loans | 7,725.0000% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 6,675 |
| Noncurrent loans to loans | 0.0172% | 6,499 |
| Net loans and leases to total assets | 42.2206% | 5,980 |
| Net loans and leases to deposits | 55.2335% | 5,527 |
| Net loans and leases to core deposits | 58.2549% | 5,519 |
| Total domestic deposits to total assets | 76.4403% | 6,297 |
| Equity capital to assets | 17.0188% | 412 |
| Core capital (leverage) ratio | 15.4945% | 508 |
| Tier 1 risk-based capital ratio | 24.0382% | 963 |
| Total risk-based capital ratio | 24.9354% | 986 |
| Memoranda: | ||
| Average total assets | $53,287,400 | 6,110 |
| Average earning assets | $51,241,400 | 6,000 |
| Average equity | $8,935,000 | 5,242 |
| Average total loans | $23,216,000 | 6,281 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2334% | 4,695 |
| Cost of funding earning assets | 1.0590% | 1,240 |
| Net interest margin | 3.1744% | 5,756 |
| Noninterest income to average assets | 0.1685% | 6,296 |
| Noninterest expense to average assets | 1.2424% | 7,066 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.8860% | 467 |
| Return on assets (ROA) | 2.0724% | 389 |
| Pretax return on assets | 2.1755% | 497 |
| Return on Equity (ROE) | 12.4070% | 1,494 |
| Retained earnings to average equity (ytd only) | 7.8899% | 1,665 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5636% | 7,035 |
| Assets per employee ($millions) | 7.6650% | 548 |
| Cash dividends to net income (ytd only)* | 36.4077% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 4,701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 6,226 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 42.8870% | 6,049 |
| Net loans and leases to deposits | 56.5436% | 5,582 |
| Net loans and leases to core deposits | 59.7037% | 5,589 |
| Total domestic deposits to total assets | 75.8475% | 6,400 |
| Equity capital to assets | 17.4150% | 407 |
| Core capital (leverage) ratio | 15.1742% | 584 |
| Tier 1 risk-based capital ratio | 24.3988% | 968 |
| Total risk-based capital ratio | 25.3061% | 996 |
| Memoranda: | ||
| Average total assets | $53,014,000 | 6,189 |
| Average earning assets | $50,989,500 | 6,088 |
| Average equity | $8,855,000 | 5,306 |
| Average total loans | $23,202,750 | 6,368 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2779% | 4,654 |
| Cost of funding earning assets | 1.0872% | 1,273 |
| Net interest margin | 3.1907% | 5,769 |
| Noninterest income to average assets | 0.1174% | 6,598 |
| Noninterest expense to average assets | 1.2538% | 7,124 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8439% | 521 |
| Return on assets (ROA) | 1.9735% | 473 |
| Pretax return on assets | 2.0682% | 613 |
| Return on Equity (ROE) | 11.9880% | 1,672 |
| Retained earnings to average equity (ytd only) | 7.3861% | 1,921 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3579% | 7,073 |
| Assets per employee ($millions) | 7.8447% | 503 |
| Cash dividends to net income (ytd only)* | 38.3877% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 4,535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 6,316 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 40.1763% | 6,323 |
| Net loans and leases to deposits | 52.2252% | 6,011 |
| Net loans and leases to core deposits | 55.3168% | 5,998 |
| Total domestic deposits to total assets | 76.9290% | 6,333 |
| Equity capital to assets | 16.4406% | 518 |
| Core capital (leverage) ratio | 15.4158% | 534 |
| Tier 1 risk-based capital ratio | 24.4850% | 960 |
| Total risk-based capital ratio | 25.4183% | 978 |
| Memoranda: | ||
| Average total assets | $52,800,330 | 6,236 |
| Average earning assets | $50,773,000 | 6,127 |
| Average equity | $8,692,000 | 5,358 |
| Average total loans | $23,163,670 | 6,411 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3853% | 4,387 |
| Cost of funding earning assets | 1.1366% | 1,227 |
| Net interest margin | 3.2487% | 5,631 |
| Noninterest income to average assets | 0.1778% | 6,316 |
| Noninterest expense to average assets | 1.3528% | 7,148 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8398% | 553 |
| Return on assets (ROA) | 1.9867% | 492 |
| Pretax return on assets | 2.0949% | 644 |
| Return on Equity (ROE) | 12.0601% | 1,668 |
| Retained earnings to average equity (ytd only) | 7.3674% | 2,247 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0798% | 7,083 |
| Assets per employee ($millions) | 7.5096% | 590 |
| Cash dividends to net income (ytd only)* | 38.9105% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 4,857 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 6,364 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 43.4341% | 6,060 |
| Net loans and leases to deposits | 56.7424% | 5,520 |
| Net loans and leases to core deposits | 59.9359% | 5,536 |
| Total domestic deposits to total assets | 76.5461% | 6,484 |
| Equity capital to assets | 16.4495% | 506 |
| Core capital (leverage) ratio | 15.3025% | 557 |
| Tier 1 risk-based capital ratio | 24.3122% | 978 |
| Total risk-based capital ratio | 25.2578% | 993 |
| Memoranda: | ||
| Average total assets | $51,744,000 | 6,312 |
| Average earning assets | $49,620,000 | 6,213 |
| Average equity | $8,524,000 | 5,422 |
| Average total loans | $23,560,000 | 6,443 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6759% | 4,347 |
| Cost of funding earning assets | 1.3254% | 1,365 |
| Net interest margin | 3.3505% | 5,649 |
| Noninterest income to average assets | 0.2795% | 5,531 |
| Noninterest expense to average assets | 1.5199% | 7,157 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.8502% | 426 |
| Return on assets (ROA) | 1.9381% | 376 |
| Pretax return on assets | 2.0386% | 491 |
| Return on Equity (ROE) | 12.2618% | 1,340 |
| Retained earnings to average equity (ytd only) | 7.1739% | 1,416 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8515% | 7,128 |
| Assets per employee ($millions) | 6.3651% | 1,023 |
| Cash dividends to net income (ytd only)* | 41.4938% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 4,967 |
| Loan loss allowance to noncurrent loans | 198.0769% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.5420% | 5,612 |
| Noncurrent loans to loans | 0.6506% | 5,403 |
| Net loans and leases to total assets | 46.4838% | 5,970 |
| Net loans and leases to deposits | 60.9847% | 5,366 |
| Net loans and leases to core deposits | 64.5346% | 5,411 |
| Total domestic deposits to total assets | 76.2220% | 6,453 |
| Equity capital to assets | 16.4981% | 515 |
| Core capital (leverage) ratio | 15.2688% | 566 |
| Tier 1 risk-based capital ratio | 24.0866% | 961 |
| Total risk-based capital ratio | 25.0425% | 971 |
| Memoranda: | ||
| Average total assets | $49,739,600 | 6,375 |
| Average earning assets | $47,306,400 | 6,277 |
| Average equity | $7,861,800 | 5,611 |
| Average total loans | $24,361,000 | 6,451 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7076% | 4,423 |
| Cost of funding earning assets | 1.3592% | 1,418 |
| Net interest margin | 3.3484% | 5,725 |
| Noninterest income to average assets | 0.2885% | 5,549 |
| Noninterest expense to average assets | 1.4858% | 7,234 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8926% | 430 |
| Return on assets (ROA) | 1.9874% | 385 |
| Pretax return on assets | 2.0844% | 537 |
| Return on Equity (ROE) | 12.7170% | 1,355 |
| Retained earnings to average equity (ytd only) | 9.2660% | 1,054 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8127% | 7,183 |
| Assets per employee ($millions) | 6.2553% | 1,056 |
| Cash dividends to net income (ytd only)* | 27.1371% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 5,395 |
| Loan loss allowance to noncurrent loans | 198.0769% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 1.4468% | 3,951 |
| Noncurrent loans to loans | 0.6156% | 5,658 |
| Net loans and leases to total assets | 50.0240% | 5,701 |
| Net loans and leases to deposits | 66.0902% | 4,893 |
| Net loans and leases to core deposits | 70.9472% | 4,840 |
| Total domestic deposits to total assets | 75.6904% | 6,564 |
| Equity capital to assets | 16.8099% | 505 |
| Core capital (leverage) ratio | 15.4244% | 588 |
| Tier 1 risk-based capital ratio | 23.3950% | 1,090 |
| Total risk-based capital ratio | 24.3268% | 1,120 |
| Memoranda: | ||
| Average total assets | $49,444,250 | 6,438 |
| Average earning assets | $46,986,250 | 6,341 |
| Average equity | $7,727,000 | 5,686 |
| Average total loans | $24,456,500 | 6,507 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6717% | 4,651 |
| Cost of funding earning assets | 1.3708% | 1,544 |
| Net interest margin | 3.3009% | 5,855 |
| Noninterest income to average assets | 0.2924% | 5,537 |
| Noninterest expense to average assets | 1.5474% | 7,282 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7959% | 510 |
| Return on assets (ROA) | 1.8885% | 449 |
| Pretax return on assets | 1.9819% | 606 |
| Return on Equity (ROE) | 12.4022% | 1,376 |
| Retained earnings to average equity (ytd only) | 9.7351% | 911 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0888% | 7,199 |
| Assets per employee ($millions) | 6.2675% | 1,040 |
| Cash dividends to net income (ytd only)* | 21.5054% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 5,267 |
| Loan loss allowance to noncurrent loans | 206.0000% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 1.3841% | 4,149 |
| Noncurrent loans to loans | 0.6107% | 5,702 |
| Net loans and leases to total assets | 48.3686% | 6,017 |
| Net loans and leases to deposits | 63.4089% | 5,347 |
| Net loans and leases to core deposits | 66.5770% | 5,436 |
| Total domestic deposits to total assets | 76.2804% | 6,560 |
| Equity capital to assets | 15.8915% | 620 |
| Core capital (leverage) ratio | 15.1328% | 645 |
| Tier 1 risk-based capital ratio | 23.3842% | 1,075 |
| Total risk-based capital ratio | 24.3366% | 1,088 |
| Memoranda: | ||
| Average total assets | $49,245,000 | 6,507 |
| Average earning assets | $46,835,330 | 6,407 |
| Average equity | $7,498,670 | 5,769 |
| Average total loans | $24,161,330 | 6,585 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6157% | 4,882 |
| Cost of funding earning assets | 1.3813% | 1,705 |
| Net interest margin | 3.2345% | 5,971 |
| Noninterest income to average assets | 0.2459% | 5,931 |
| Noninterest expense to average assets | 1.5984% | 7,306 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6583% | 615 |
| Return on assets (ROA) | 1.7050% | 606 |
| Pretax return on assets | 1.7870% | 838 |
| Return on Equity (ROE) | 11.4537% | 1,611 |
| Retained earnings to average equity (ytd only) | 11.4537% | 819 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9115% | 7,117 |
| Assets per employee ($millions) | 7.1014% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 5,297 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0843% | 4,757 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 48.3424% | 6,040 |
| Net loans and leases to deposits | 62.4863% | 5,442 |
| Net loans and leases to core deposits | 65.5832% | 5,557 |
| Total domestic deposits to total assets | 77.3647% | 6,472 |
| Equity capital to assets | 15.0191% | 762 |
| Core capital (leverage) ratio | 15.1599% | 632 |
| Tier 1 risk-based capital ratio | 22.9392% | 1,090 |
| Total risk-based capital ratio | 23.8932% | 1,107 |
| Memoranda: | ||
| Average total assets | $48,797,500 | 6,564 |
| Average earning assets | $46,623,000 | 6,471 |
| Average equity | $7,264,000 | 5,855 |
| Average total loans | $23,961,500 | 6,650 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 5,225 |
| Cost of funding earning assets | 1.5561% | 2,327 |
| Net interest margin | 3.2959% | 5,994 |
| Noninterest income to average assets | 0.1900% | 6,400 |
| Noninterest expense to average assets | 1.6290% | 7,387 |
| Loan and lease loss provision to assets | 0.2562% | 4,742 |
| Net operating income to assets | 1.3777% | 992 |
| Return on assets (ROA) | 1.4305% | 955 |
| Pretax return on assets | 1.5031% | 1,363 |
| Return on Equity (ROE) | 9.1715% | 2,229 |
| Retained earnings to average equity (ytd only) | 3.6960% | 3,273 |
| Net charge-offs to loans | 0.4580% | 3,787 |
| Credit loss provision to net charge-offs | 102.5641% | 4,409 |
| Earnings coverage of net charge-offs (x) | 6.8205% | 2,266 |
| Efficiency ratio | 48.8789% | 7,210 |
| Assets per employee ($millions) | 6.8407% | 803 |
| Cash dividends to net income (ytd only)* | 59.7015% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 4,949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1340% | 4,742 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 48.6039% | 6,322 |
| Net loans and leases to deposits | 62.8755% | 5,759 |
| Net loans and leases to core deposits | 66.1043% | 5,866 |
| Total domestic deposits to total assets | 77.3019% | 6,433 |
| Equity capital to assets | 14.7478% | 849 |
| Core capital (leverage) ratio | 14.8186% | 689 |
| Tier 1 risk-based capital ratio | 23.2114% | 1,011 |
| Total risk-based capital ratio | 24.2045% | 1,025 |
| Memoranda: | ||
| Average total assets | $46,837,400 | 6,641 |
| Average earning assets | $44,661,800 | 6,556 |
| Average equity | $7,305,200 | 5,931 |
| Average total loans | $25,543,200 | 6,635 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9188% | 5,182 |
| Cost of funding earning assets | 1.5805% | 2,506 |
| Net interest margin | 3.3383% | 5,891 |
| Noninterest income to average assets | 0.1775% | 6,608 |
| Noninterest expense to average assets | 1.6403% | 7,476 |
| Loan and lease loss provision to assets | 0.3006% | 4,167 |
| Net operating income to assets | 1.3477% | 1,228 |
| Return on assets (ROA) | 1.3912% | 1,201 |
| Pretax return on assets | 1.4628% | 1,710 |
| Return on Equity (ROE) | 8.7969% | 2,569 |
| Retained earnings to average equity (ytd only) | 5.1768% | 2,858 |
| Net charge-offs to loans | 0.5992% | 2,945 |
| Credit loss provision to net charge-offs | 89.7436% | 4,776 |
| Earnings coverage of net charge-offs (x) | 5.1281% | 2,840 |
| Efficiency ratio | 48.8491% | 7,222 |
| Assets per employee ($millions) | 6.8619% | 818 |
| Cash dividends to net income (ytd only)* | 41.1525% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 5,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2179% | 4,715 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 53.0677% | 5,977 |
| Net loans and leases to deposits | 70.0332% | 5,140 |
| Net loans and leases to core deposits | 73.6833% | 5,332 |
| Total domestic deposits to total assets | 75.7750% | 6,696 |
| Equity capital to assets | 16.0348% | 668 |
| Core capital (leverage) ratio | 15.5864% | 625 |
| Tier 1 risk-based capital ratio | 22.0509% | 1,200 |
| Total risk-based capital ratio | 22.9466% | 1,234 |
| Memoranda: | ||
| Average total assets | $46,575,500 | 6,727 |
| Average earning assets | $44,372,750 | 6,642 |
| Average equity | $7,366,000 | 5,995 |
| Average total loans | $26,033,250 | 6,699 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9403% | 5,225 |
| Cost of funding earning assets | 1.6119% | 2,588 |
| Net interest margin | 3.3283% | 5,912 |
| Noninterest income to average assets | 0.1041% | 7,080 |
| Noninterest expense to average assets | 1.6750% | 7,519 |
| Loan and lease loss provision to assets | 0.1302% | 5,580 |
| Net operating income to assets | 1.4218% | 1,048 |
| Return on assets (ROA) | 1.4884% | 988 |
| Pretax return on assets | 1.5492% | 1,438 |
| Return on Equity (ROE) | 9.4569% | 2,291 |
| Retained earnings to average equity (ytd only) | 6.6998% | 1,975 |
| Net charge-offs to loans | 0.0383% | 5,827 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 74.2000% | 427 |
| Efficiency ratio | 50.9908% | 7,153 |
| Assets per employee ($millions) | 6.6296% | 905 |
| Cash dividends to net income (ytd only)* | 29.1545% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 5,249 |
| Loan loss allowance to noncurrent loans | 649.0196% | 509 |
| Noncurrent assets plus other real estate owned to assets | 1.5644% | 4,115 |
| Noncurrent loans to loans | 0.1908% | 6,872 |
| Net loans and leases to total assets | 56.8772% | 5,576 |
| Net loans and leases to deposits | 72.5117% | 4,909 |
| Net loans and leases to core deposits | 75.5135% | 5,249 |
| Total domestic deposits to total assets | 78.4386% | 6,168 |
| Equity capital to assets | 16.0752% | 658 |
| Core capital (leverage) ratio | 15.3807% | 650 |
| Tier 1 risk-based capital ratio | 21.9558% | 1,209 |
| Total risk-based capital ratio | 22.9657% | 1,219 |
| Memoranda: | ||
| Average total assets | $46,089,670 | 6,785 |
| Average earning assets | $44,046,330 | 6,697 |
| Average equity | $7,254,000 | 6,048 |
| Average total loans | $26,116,330 | 6,740 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8391% | 5,729 |
| Cost of funding earning assets | 1.6130% | 2,875 |
| Net interest margin | 3.2261% | 6,208 |
| Noninterest income to average assets | 0.2177% | 6,402 |
| Noninterest expense to average assets | 1.6895% | 7,585 |
| Loan and lease loss provision to assets | 0.1306% | 5,265 |
| Net operating income to assets | 1.4897% | 907 |
| Return on assets (ROA) | 1.5414% | 896 |
| Pretax return on assets | 1.5502% | 1,394 |
| Return on Equity (ROE) | 9.9007% | 2,137 |
| Retained earnings to average equity (ytd only) | 9.9007% | 1,164 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9186% | 7,250 |
| Assets per employee ($millions) | 6.6026% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 5,433 |
| Loan loss allowance to noncurrent loans | 59.7765% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 1.7850% | 3,810 |
| Noncurrent loans to loans | 2.0296% | 3,745 |
| Net loans and leases to total assets | 56.5516% | 5,670 |
| Net loans and leases to deposits | 71.8365% | 5,076 |
| Net loans and leases to core deposits | 74.7990% | 5,412 |
| Total domestic deposits to total assets | 78.7226% | 6,144 |
| Equity capital to assets | 15.7190% | 719 |
| Core capital (leverage) ratio | 15.7035% | 626 |
| Tier 1 risk-based capital ratio | 22.2444% | 1,170 |
| Total risk-based capital ratio | 23.2459% | 1,186 |
| Memoranda: | ||
| Average total assets | $45,931,000 | 6,877 |
| Average earning assets | $44,140,000 | 6,769 |
| Average equity | $7,151,000 | 6,132 |
| Average total loans | $25,811,500 | 6,834 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9882% | 6,472 |
| Cost of funding earning assets | 1.9068% | 3,428 |
| Net interest margin | 3.0815% | 6,427 |
| Noninterest income to average assets | 0.2933% | 6,017 |
| Noninterest expense to average assets | 1.6637% | 7,727 |
| Loan and lease loss provision to assets | 0.1100% | 6,548 |
| Net operating income to assets | 1.3895% | 869 |
| Return on assets (ROA) | 1.4025% | 908 |
| Pretax return on assets | 1.4850% | 1,222 |
| Return on Equity (ROE) | 8.9482% | 2,042 |
| Retained earnings to average equity (ytd only) | 2.3686% | 3,459 |
| Net charge-offs to loans | 0.1278% | 5,919 |
| Credit loss provision to net charge-offs | 154.8387% | 2,943 |
| Earnings coverage of net charge-offs (x) | 22.2581% | 967 |
| Efficiency ratio | 51.2712% | 7,445 |
| Assets per employee ($millions) | 6.5206% | 982 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 5,263 |
| Loan loss allowance to noncurrent loans | 96.2264% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.7843% | 5,536 |
| Noncurrent loans to loans | 1.2637% | 4,825 |
| Net loans and leases to total assets | 54.4628% | 6,145 |
| Net loans and leases to deposits | 69.0068% | 5,725 |
| Net loans and leases to core deposits | 78.7674% | 6,198 |
| Total domestic deposits to total assets | 78.9238% | 5,999 |
| Equity capital to assets | 15.4171% | 814 |
| Core capital (leverage) ratio | 15.4360% | 702 |
| Tier 1 risk-based capital ratio | 22.6394% | 1,078 |
| Total risk-based capital ratio | 23.6357% | 1,088 |
| Memoranda: | ||
| Average total assets | $43,637,800 | 6,960 |
| Average earning assets | $41,798,400 | 6,869 |
| Average equity | $6,839,400 | 6,323 |
| Average total loans | $24,250,400 | 6,958 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9561% | 6,746 |
| Cost of funding earning assets | 1.9579% | 3,581 |
| Net interest margin | 2.9982% | 6,616 |
| Noninterest income to average assets | 0.2936% | 6,126 |
| Noninterest expense to average assets | 1.6784% | 7,778 |
| Loan and lease loss provision to assets | 0.1205% | 6,157 |
| Net operating income to assets | 1.2925% | 1,239 |
| Return on assets (ROA) | 1.3013% | 1,288 |
| Pretax return on assets | 1.3724% | 1,764 |
| Return on Equity (ROE) | 8.2669% | 2,531 |
| Retained earnings to average equity (ytd only) | 2.8669% | 3,724 |
| Net charge-offs to loans | 0.0555% | 6,155 |
| Credit loss provision to net charge-offs | 390.0000% | 1,032 |
| Earnings coverage of net charge-offs (x) | 48.0105% | 660 |
| Efficiency ratio | 53.0792% | 7,329 |
| Assets per employee ($millions) | 6.5309% | 972 |
| Cash dividends to net income (ytd only)* | 65.3210% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 5,055 |
| Loan loss allowance to noncurrent loans | 95.2096% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.8181% | 5,458 |
| Noncurrent loans to loans | 1.2694% | 4,818 |
| Net loans and leases to total assets | 56.8576% | 6,046 |
| Net loans and leases to deposits | 78.3630% | 4,686 |
| Net loans and leases to core deposits | 88.5320% | 5,589 |
| Total domestic deposits to total assets | 72.5567% | 7,139 |
| Equity capital to assets | 15.5722% | 874 |
| Core capital (leverage) ratio | 16.1671% | 650 |
| Tier 1 risk-based capital ratio | 22.0821% | 1,218 |
| Total risk-based capital ratio | 23.0946% | 1,218 |
| Memoranda: | ||
| Average total assets | $43,136,250 | 7,040 |
| Average earning assets | $41,268,000 | 6,945 |
| Average equity | $6,790,000 | 6,394 |
| Average total loans | $24,021,750 | 7,030 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0204% | 6,703 |
| Cost of funding earning assets | 2.0299% | 3,626 |
| Net interest margin | 2.9904% | 6,579 |
| Noninterest income to average assets | 0.2744% | 6,305 |
| Noninterest expense to average assets | 1.6085% | 7,904 |
| Loan and lease loss provision to assets | 0.1419% | 5,649 |
| Net operating income to assets | 1.3104% | 1,207 |
| Return on assets (ROA) | 1.3104% | 1,283 |
| Pretax return on assets | 1.3814% | 1,783 |
| Return on Equity (ROE) | 8.2930% | 2,656 |
| Retained earnings to average equity (ytd only) | 0.0599% | 5,182 |
| Net charge-offs to loans | 0.0430% | 5,863 |
| Credit loss provision to net charge-offs | 600.0000% | 765 |
| Earnings coverage of net charge-offs (x) | 64.4000% | 561 |
| Efficiency ratio | 51.3595% | 7,564 |
| Assets per employee ($millions) | 6.0650% | 1,181 |
| Cash dividends to net income (ytd only)* | 99.2780% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 3,930 |
| Loan loss allowance to noncurrent loans | 37.7858% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 2.0516% | 3,129 |
| Noncurrent loans to loans | 3.6018% | 1,937 |
| Net loans and leases to total assets | 53.6050% | 6,509 |
| Net loans and leases to deposits | 68.1500% | 6,175 |
| Net loans and leases to core deposits | 76.9892% | 6,614 |
| Total domestic deposits to total assets | 78.6574% | 5,911 |
| Equity capital to assets | 15.5624% | 912 |
| Core capital (leverage) ratio | 15.8001% | 770 |
| Tier 1 risk-based capital ratio | 24.4062% | 989 |
| Total risk-based capital ratio | 25.5345% | 984 |
| Memoranda: | ||
| Average total assets | $42,276,330 | 7,124 |
| Average earning assets | $40,395,330 | 7,041 |
| Average equity | $6,680,330 | 6,475 |
| Average total loans | $23,258,670 | 7,130 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1320% | 6,558 |
| Cost of funding earning assets | 2.0389% | 3,928 |
| Net interest margin | 3.0931% | 6,223 |
| Noninterest income to average assets | 0.2465% | 6,487 |
| Noninterest expense to average assets | 1.6593% | 7,860 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4696% | 998 |
| Return on assets (ROA) | 1.4696% | 1,073 |
| Pretax return on assets | 1.5360% | 1,573 |
| Return on Equity (ROE) | 9.2303% | 2,631 |
| Retained earnings to average equity (ytd only) | 3.2753% | 4,054 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9288% | 7,430 |
| Assets per employee ($millions) | 6.0239% | 1,184 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 4,665 |
| Loan loss allowance to noncurrent loans | 29.1037% | 6,609 |
| Noncurrent assets plus other real estate owned to assets | 2.4498% | 2,338 |
| Noncurrent loans to loans | 4.1927% | 1,417 |
| Net loans and leases to total assets | 55.4818% | 6,312 |
| Net loans and leases to deposits | 71.1267% | 5,851 |
| Net loans and leases to core deposits | 79.5153% | 6,419 |
| Total domestic deposits to total assets | 78.0041% | 6,017 |
| Equity capital to assets | 15.9864% | 874 |
| Core capital (leverage) ratio | 16.2027% | 754 |
| Tier 1 risk-based capital ratio | 24.2112% | 1,054 |
| Total risk-based capital ratio | 25.2334% | 1,058 |
| Memoranda: | ||
| Average total assets | $42,187,000 | 7,157 |
| Average earning assets | $40,218,500 | 7,087 |
| Average equity | $6,717,000 | 6,511 |
| Average total loans | $23,352,000 | 7,168 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4452% | 7,403 |
| Cost of funding earning assets | 2.3646% | 4,874 |
| Net interest margin | 3.0806% | 6,704 |
| Noninterest income to average assets | 0.2769% | 6,479 |
| Noninterest expense to average assets | 1.6195% | 7,946 |
| Loan and lease loss provision to assets | 0.0490% | 6,797 |
| Net operating income to assets | 1.4635% | 1,095 |
| Return on assets (ROA) | 1.4798% | 1,023 |
| Pretax return on assets | 1.5558% | 1,522 |
| Return on Equity (ROE) | 9.0824% | 2,612 |
| Retained earnings to average equity (ytd only) | 2.3157% | 3,760 |
| Net charge-offs to loans | -0.0047% | 7,783 |
| Credit loss provision to net charge-offs | -2,000.0000% | 7,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4966% | 7,626 |
| Assets per employee ($millions) | 6.0296% | 1,118 |
| Cash dividends to net income (ytd only)* | 74.5033% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 4,084 |
| Loan loss allowance to noncurrent loans | 47.6898% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 1.5306% | 3,157 |
| Noncurrent loans to loans | 2.6325% | 2,059 |
| Net loans and leases to total assets | 53.8560% | 6,674 |
| Net loans and leases to deposits | 68.8005% | 6,387 |
| Net loans and leases to core deposits | 74.3548% | 6,951 |
| Total domestic deposits to total assets | 78.2785% | 5,621 |
| Equity capital to assets | 15.8576% | 968 |
| Core capital (leverage) ratio | 16.5529% | 752 |
| Tier 1 risk-based capital ratio | 24.4289% | 1,041 |
| Total risk-based capital ratio | 25.4686% | 1,044 |
| Memoranda: | ||
| Average total assets | $40,815,200 | 7,180 |
| Average earning assets | $38,823,400 | 7,098 |
| Average equity | $6,650,200 | 6,585 |
| Average total loans | $21,428,400 | 7,235 |