Home > Asian Pacific National Bank > Performance and Condition Ratios
Asian Pacific National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8348% | 787 |
| Cost of funding earning assets | 2.3239% | 525 |
| Net interest margin | 3.5108% | 2,157 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.4508% | 2,441 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8357% | 2,756 |
| Return on assets (ROA) | 0.8357% | 2,736 |
| Pretax return on assets | 0.9627% | 2,774 |
| Return on Equity (ROE) | 4.9100% | 3,737 |
| Retained earnings to average equity (ytd only) | 2.9526% | 3,293 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.7975% | 1,676 |
| Assets per employee ($millions) | 5.1775% | 3,497 |
| Cash dividends to net income (ytd only)* | 39.8734% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3618% | 229 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 42.2500% | 3,958 |
| Net loans and leases to deposits | 53.1208% | 3,830 |
| Net loans and leases to core deposits | 61.0799% | 3,725 |
| Total domestic deposits to total assets | 79.5300% | 3,534 |
| Equity capital to assets | 17.5478% | 367 |
| Core capital (leverage) ratio | 18.7348% | 301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $56,715,600 | 4,252 |
| Average earning assets | $52,153,000 | 4,226 |
| Average equity | $9,652,400 | 3,757 |
| Average total loans | $24,201,400 | 4,230 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7178% | 771 |
| Cost of funding earning assets | 2.0764% | 621 |
| Net interest margin | 3.6414% | 1,901 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.3839% | 2,567 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0284% | 2,279 |
| Return on assets (ROA) | 1.0284% | 2,268 |
| Pretax return on assets | 1.1484% | 2,425 |
| Return on Equity (ROE) | 6.0900% | 3,625 |
| Retained earnings to average equity (ytd only) | 4.4179% | 3,143 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.4883% | 2,072 |
| Assets per employee ($millions) | 5.1228% | 3,500 |
| Cash dividends to net income (ytd only)* | 27.4600% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4515% | 209 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 41.1000% | 4,018 |
| Net loans and leases to deposits | 50.3325% | 3,925 |
| Net loans and leases to core deposits | 53.9183% | 3,933 |
| Total domestic deposits to total assets | 81.6500% | 3,282 |
| Equity capital to assets | 17.2615% | 382 |
| Core capital (leverage) ratio | 18.7619% | 312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $56,656,250 | 4,263 |
| Average earning assets | $52,139,750 | 4,246 |
| Average equity | $9,567,000 | 3,762 |
| Average total loans | $24,091,250 | 4,249 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6528% | 684 |
| Cost of funding earning assets | 1.8244% | 706 |
| Net interest margin | 3.8285% | 1,567 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 2.3609% | 2,615 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2227% | 1,766 |
| Return on assets (ROA) | 1.2227% | 1,759 |
| Pretax return on assets | 1.3390% | 1,964 |
| Return on Equity (ROE) | 7.2900% | 3,414 |
| Retained earnings to average equity (ytd only) | 4.9403% | 2,954 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.8095% | 2,510 |
| Assets per employee ($millions) | 5.0959% | 3,511 |
| Cash dividends to net income (ytd only)* | 32.2767% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4332% | 242 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 41.6300% | 3,982 |
| Net loans and leases to deposits | 50.6852% | 3,890 |
| Net loans and leases to core deposits | 53.7496% | 3,906 |
| Total domestic deposits to total assets | 82.1400% | 3,206 |
| Equity capital to assets | 17.1635% | 379 |
| Core capital (leverage) ratio | 18.7490% | 310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $56,758,000 | 4,284 |
| Average earning assets | $52,292,333 | 4,266 |
| Average equity | $9,513,667 | 3,796 |
| Average total loans | $24,208,000 | 4,261 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4342% | 683 |
| Cost of funding earning assets | 1.6090% | 686 |
| Net interest margin | 3.8252% | 1,633 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.3884% | 2,565 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2187% | 1,886 |
| Return on assets (ROA) | 1.2187% | 1,847 |
| Pretax return on assets | 1.3168% | 2,134 |
| Return on Equity (ROE) | 7.3600% | 3,444 |
| Retained earnings to average equity (ytd only) | 7.3573% | 2,405 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.4612% | 2,396 |
| Assets per employee ($millions) | 5.1685% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3804% | 251 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 41.9800% | 3,952 |
| Net loans and leases to deposits | 50.8772% | 3,849 |
| Net loans and leases to core deposits | 53.8866% | 3,837 |
| Total domestic deposits to total assets | 82.5200% | 3,400 |
| Equity capital to assets | 16.9331% | 347 |
| Core capital (leverage) ratio | 18.3236% | 328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $57,109,500 | 4,338 |
| Average earning assets | $52,703,500 | 4,320 |
| Average equity | $9,460,000 | 3,846 |
| Average total loans | $24,352,500 | 4,319 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7979% | 2,284 |
| Cost of funding earning assets | 0.4896% | 1,470 |
| Net interest margin | 3.3083% | 2,544 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.4469% | 2,276 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6764% | 3,685 |
| Return on assets (ROA) | 0.6764% | 3,634 |
| Pretax return on assets | 0.7760% | 3,680 |
| Return on Equity (ROE) | 4.0700% | 4,150 |
| Retained earnings to average equity (ytd only) | 2.9831% | 3,726 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.9219% | 1,016 |
| Assets per employee ($millions) | 5.2151% | 3,502 |
| Cash dividends to net income (ytd only)* | 26.6150% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3212% | 254 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 41.3000% | 4,017 |
| Net loans and leases to deposits | 49.5110% | 3,918 |
| Net loans and leases to core deposits | 52.3557% | 3,897 |
| Total domestic deposits to total assets | 83.4200% | 3,332 |
| Equity capital to assets | 16.1995% | 376 |
| Core capital (leverage) ratio | 18.1796% | 318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $57,214,400 | 4,365 |
| Average earning assets | $52,897,400 | 4,342 |
| Average equity | $9,520,200 | 3,931 |
| Average total loans | $24,001,000 | 4,344 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4418% | 2,797 |
| Cost of funding earning assets | 0.2849% | 2,332 |
| Net interest margin | 3.1569% | 2,752 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.4298% | 2,227 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5900% | 3,853 |
| Return on assets (ROA) | 0.5900% | 3,815 |
| Pretax return on assets | 0.6529% | 3,893 |
| Return on Equity (ROE) | 3.5200% | 4,223 |
| Retained earnings to average equity (ytd only) | 2.8958% | 3,798 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.8200% | 850 |
| Assets per employee ($millions) | 5.1983% | 3,503 |
| Cash dividends to net income (ytd only)* | 17.7866% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3050% | 291 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 41.4400% | 4,007 |
| Net loans and leases to deposits | 49.5058% | 3,887 |
| Net loans and leases to core deposits | 52.0005% | 3,856 |
| Total domestic deposits to total assets | 83.7000% | 3,559 |
| Equity capital to assets | 16.0858% | 367 |
| Core capital (leverage) ratio | 18.4309% | 300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $57,176,500 | 4,403 |
| Average earning assets | $52,877,500 | 4,379 |
| Average equity | $9,577,000 | 3,967 |
| Average total loans | $23,937,500 | 4,378 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1423% | 3,201 |
| Cost of funding earning assets | 0.1966% | 2,960 |
| Net interest margin | 2.9456% | 3,049 |
| Noninterest income to average assets | 0.1574% | 4,231 |
| Noninterest expense to average assets | 2.3787% | 2,305 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4443% | 4,014 |
| Return on assets (ROA) | 0.4443% | 3,966 |
| Pretax return on assets | 0.5037% | 3,993 |
| Return on Equity (ROE) | 2.6177% | 4,271 |
| Retained earnings to average equity (ytd only) | 2.5970% | 3,581 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5243% | 762 |
| Assets per employee ($millions) | 4.7981% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.7874% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2423% | 356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 42.2512% | 3,958 |
| Net loans and leases to deposits | 50.6369% | 3,779 |
| Net loans and leases to core deposits | 52.6570% | 3,773 |
| Total domestic deposits to total assets | 83.4396% | 3,797 |
| Equity capital to assets | 16.4719% | 305 |
| Core capital (leverage) ratio | 18.0757% | 271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,175,000 | 4,446 |
| Average earning assets | $52,891,667 | 4,433 |
| Average equity | $9,703,333 | 4,030 |
| Average total loans | $23,832,667 | 4,435 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9920% | 3,278 |
| Cost of funding earning assets | 0.1595% | 3,384 |
| Net interest margin | 2.8326% | 3,034 |
| Noninterest income to average assets | 0.1545% | 4,228 |
| Noninterest expense to average assets | 2.4011% | 2,156 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3089% | 4,126 |
| Return on assets (ROA) | 0.3089% | 4,094 |
| Pretax return on assets | 0.3721% | 4,082 |
| Return on Equity (ROE) | 1.7935% | 4,289 |
| Retained earnings to average equity (ytd only) | 1.7935% | 3,599 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5823% | 702 |
| Assets per employee ($millions) | 4.9477% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4200% | 309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 41.9329% | 3,886 |
| Net loans and leases to deposits | 50.9499% | 3,649 |
| Net loans and leases to core deposits | 52.7177% | 3,687 |
| Total domestic deposits to total assets | 82.3023% | 4,043 |
| Equity capital to assets | 17.6224% | 241 |
| Core capital (leverage) ratio | 18.3737% | 233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,974,000 | 4,470 |
| Average earning assets | $52,673,000 | 4,455 |
| Average equity | $9,813,000 | 4,074 |
| Average total loans | $23,306,500 | 4,459 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2564% | 3,330 |
| Cost of funding earning assets | 0.1949% | 3,525 |
| Net interest margin | 3.0616% | 3,017 |
| Noninterest income to average assets | 0.1331% | 4,478 |
| Noninterest expense to average assets | 2.4650% | 2,293 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4657% | 4,152 |
| Return on assets (ROA) | 0.4657% | 4,201 |
| Pretax return on assets | 0.5287% | 4,211 |
| Return on Equity (ROE) | 2.6459% | 4,422 |
| Retained earnings to average equity (ytd only) | 1.7208% | 4,062 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3392% | 652 |
| Assets per employee ($millions) | 5.4112% | 3,344 |
| Cash dividends to net income (ytd only)* | 34.9624% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4543% | 302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 38.0609% | 4,191 |
| Net loans and leases to deposits | 45.8084% | 4,104 |
| Net loans and leases to core deposits | 47.1724% | 4,130 |
| Total domestic deposits to total assets | 83.0872% | 3,789 |
| Equity capital to assets | 16.8590% | 305 |
| Core capital (leverage) ratio | 18.1121% | 244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,119,800 | 4,486 |
| Average earning assets | $53,371,600 | 4,471 |
| Average equity | $10,053,200 | 4,120 |
| Average total loans | $24,702,400 | 4,481 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3282% | 3,314 |
| Cost of funding earning assets | 0.2116% | 3,501 |
| Net interest margin | 3.1166% | 3,011 |
| Noninterest income to average assets | 0.1227% | 4,577 |
| Noninterest expense to average assets | 2.4817% | 2,177 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5379% | 4,124 |
| Return on assets (ROA) | 0.5379% | 4,168 |
| Pretax return on assets | 0.5591% | 4,284 |
| Return on Equity (ROE) | 3.0225% | 4,462 |
| Retained earnings to average equity (ytd only) | 1.9620% | 4,195 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6137% | 658 |
| Assets per employee ($millions) | 5.2180% | 3,484 |
| Cash dividends to net income (ytd only)* | 35.0877% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1866% | 466 |
| 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 | 44.4232% | 3,918 |
| Net loans and leases to deposits | 53.9652% | 3,741 |
| Net loans and leases to core deposits | 55.2012% | 3,838 |
| Total domestic deposits to total assets | 82.3182% | 3,858 |
| Equity capital to assets | 17.5842% | 294 |
| Core capital (leverage) ratio | 17.6514% | 281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,519,000 | 4,549 |
| Average earning assets | $52,920,000 | 4,537 |
| Average equity | $10,057,750 | 4,175 |
| Average total loans | $25,071,750 | 4,533 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4065% | 3,168 |
| Cost of funding earning assets | 0.2382% | 3,399 |
| Net interest margin | 3.1683% | 2,855 |
| Noninterest income to average assets | 0.1209% | 4,594 |
| Noninterest expense to average assets | 2.5006% | 2,142 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5798% | 4,019 |
| Return on assets (ROA) | 0.5798% | 4,074 |
| Pretax return on assets | 0.6011% | 4,237 |
| Return on Equity (ROE) | 3.2451% | 4,439 |
| Retained earnings to average equity (ytd only) | 2.0904% | 4,094 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6193% | 747 |
| Assets per employee ($millions) | 5.1142% | 3,547 |
| Cash dividends to net income (ytd only)* | 35.5828% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4258% | 301 |
| 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 | 40.7548% | 4,255 |
| Net loans and leases to deposits | 49.6879% | 4,127 |
| Net loans and leases to core deposits | 51.3494% | 4,166 |
| Total domestic deposits to total assets | 82.0215% | 3,918 |
| Equity capital to assets | 17.9074% | 271 |
| Core capital (leverage) ratio | 18.0232% | 261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,226,000 | 4,580 |
| Average earning assets | $52,899,333 | 4,564 |
| Average equity | $10,046,000 | 4,196 |
| Average total loans | $24,739,667 | 4,574 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4484% | 3,067 |
| Cost of funding earning assets | 0.2949% | 3,051 |
| Net interest margin | 3.1534% | 2,829 |
| Noninterest income to average assets | 0.1139% | 4,622 |
| Noninterest expense to average assets | 2.4835% | 2,221 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5906% | 3,965 |
| Return on assets (ROA) | 0.5906% | 4,029 |
| Pretax return on assets | 0.5977% | 4,194 |
| Return on Equity (ROE) | 3.3094% | 4,412 |
| Retained earnings to average equity (ytd only) | 3.3094% | 3,686 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6005% | 786 |
| Assets per employee ($millions) | 4.2957% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3341% | 341 |
| 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 | 42.3340% | 4,211 |
| Net loans and leases to deposits | 51.6777% | 4,064 |
| Net loans and leases to core deposits | 53.6515% | 4,111 |
| Total domestic deposits to total assets | 81.9193% | 3,908 |
| Equity capital to assets | 17.9858% | 256 |
| Core capital (leverage) ratio | 17.8506% | 268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,211,000 | 4,603 |
| Average earning assets | $52,894,500 | 4,580 |
| Average equity | $10,032,000 | 4,213 |
| Average total loans | $25,361,000 | 4,587 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7851% | 3,343 |
| Cost of funding earning assets | 0.8654% | 972 |
| Net interest margin | 2.9197% | 4,076 |
| Noninterest income to average assets | 0.1145% | 4,688 |
| Noninterest expense to average assets | 2.5096% | 2,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3505% | 4,344 |
| Return on assets (ROA) | 0.3505% | 4,417 |
| Pretax return on assets | 0.3557% | 4,476 |
| Return on Equity (ROE) | 2.0057% | 4,563 |
| Retained earnings to average equity (ytd only) | 1.5521% | 4,015 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5845% | 462 |
| Assets per employee ($millions) | 4.3522% | 4,071 |
| Cash dividends to net income (ytd only)* | 22.6131% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1270% | 472 |
| 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 | 45.8694% | 4,132 |
| Net loans and leases to deposits | 55.8672% | 4,008 |
| Net loans and leases to core deposits | 57.8408% | 4,059 |
| Total domestic deposits to total assets | 82.1044% | 3,639 |
| Equity capital to assets | 17.7101% | 289 |
| Core capital (leverage) ratio | 17.5984% | 277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,782,400 | 4,558 |
| Average earning assets | $53,498,600 | 4,533 |
| Average equity | $9,921,800 | 4,204 |
| Average total loans | $24,226,400 | 4,635 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7811% | 3,614 |
| Cost of funding earning assets | 0.9957% | 770 |
| Net interest margin | 2.7854% | 4,359 |
| Noninterest income to average assets | 0.1150% | 4,704 |
| Noninterest expense to average assets | 2.4961% | 2,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2416% | 4,534 |
| Return on assets (ROA) | 0.2416% | 4,571 |
| Pretax return on assets | 0.2440% | 4,609 |
| Return on Equity (ROE) | 1.3876% | 4,642 |
| Retained earnings to average equity (ytd only) | 1.2798% | 4,158 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0959% | 339 |
| Assets per employee ($millions) | 4.5056% | 3,844 |
| Cash dividends to net income (ytd only)* | 7.7670% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1697% | 367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 43.1854% | 4,456 |
| Net loans and leases to deposits | 52.2171% | 4,404 |
| Net loans and leases to core deposits | 53.9811% | 4,448 |
| Total domestic deposits to total assets | 82.7036% | 3,221 |
| Equity capital to assets | 17.0283% | 371 |
| Core capital (leverage) ratio | 17.5410% | 297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,833,500 | 4,573 |
| Average earning assets | $53,563,500 | 4,550 |
| Average equity | $9,897,250 | 4,212 |
| Average total loans | $23,654,000 | 4,680 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7809% | 3,915 |
| Cost of funding earning assets | 1.1584% | 593 |
| Net interest margin | 2.6225% | 4,631 |
| Noninterest income to average assets | 0.1209% | 4,699 |
| Noninterest expense to average assets | 2.4923% | 2,982 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0995% | 4,689 |
| Return on assets (ROA) | 0.0995% | 4,719 |
| Pretax return on assets | 0.0995% | 4,728 |
| Return on Equity (ROE) | 0.5673% | 4,742 |
| Retained earnings to average equity (ytd only) | 0.5673% | 4,197 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1591% | 240 |
| Assets per employee ($millions) | 4.3946% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3138% | 282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 41.1623% | 4,560 |
| Net loans and leases to deposits | 50.0351% | 4,532 |
| Net loans and leases to core deposits | 51.7894% | 4,573 |
| Total domestic deposits to total assets | 82.2668% | 3,299 |
| Equity capital to assets | 17.3797% | 344 |
| Core capital (leverage) ratio | 17.6090% | 311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,253,667 | 4,593 |
| Average earning assets | $53,002,667 | 4,569 |
| Average equity | $9,871,667 | 4,231 |
| Average total loans | $22,920,000 | 4,712 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9037% | 4,022 |
| Cost of funding earning assets | 1.2708% | 617 |
| Net interest margin | 2.6329% | 4,728 |
| Noninterest income to average assets | 0.1362% | 4,684 |
| Noninterest expense to average assets | 2.5513% | 3,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0645% | 4,697 |
| Return on assets (ROA) | 0.0645% | 4,690 |
| Pretax return on assets | 0.0645% | 4,692 |
| Return on Equity (ROE) | 0.3657% | 4,708 |
| Retained earnings to average equity (ytd only) | 0.3657% | 3,909 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5342% | 287 |
| Assets per employee ($millions) | 4.2380% | 3,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4289% | 276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 39.9572% | 4,667 |
| Net loans and leases to deposits | 48.9690% | 4,629 |
| Net loans and leases to core deposits | 51.7587% | 4,637 |
| Total domestic deposits to total assets | 81.5969% | 3,524 |
| Equity capital to assets | 17.9148% | 361 |
| Core capital (leverage) ratio | 17.6577% | 357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,815,500 | 4,609 |
| Average earning assets | $52,565,000 | 4,593 |
| Average equity | $9,843,000 | 4,260 |
| Average total loans | $22,343,500 | 4,759 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0988% | 4,042 |
| Cost of funding earning assets | 1.3529% | 651 |
| Net interest margin | 2.7458% | 4,795 |
| Noninterest income to average assets | 0.1348% | 4,800 |
| Noninterest expense to average assets | 2.5872% | 3,214 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1029% | 4,926 |
| Return on assets (ROA) | 0.1029% | 4,942 |
| Pretax return on assets | 0.1064% | 4,940 |
| Return on Equity (ROE) | 0.5980% | 4,953 |
| Retained earnings to average equity (ytd only) | 0.3609% | 4,589 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0500% | 208 |
| Assets per employee ($millions) | 4.3490% | 3,438 |
| Cash dividends to net income (ytd only)* | 39.6552% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4542% | 227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 38.1732% | 4,792 |
| Net loans and leases to deposits | 46.4749% | 4,772 |
| Net loans and leases to core deposits | 50.3523% | 4,752 |
| Total domestic deposits to total assets | 82.1374% | 3,473 |
| Equity capital to assets | 17.3621% | 423 |
| Core capital (leverage) ratio | 17.5634% | 369 |
| Tier 1 risk-based capital ratio | 30.1291% | 470 |
| Total risk-based capital ratio | 31.3863% | 464 |
| Memoranda: | ||
| Average total assets | $56,392,600 | 4,643 |
| Average earning assets | $52,552,600 | 4,631 |
| Average equity | $9,698,600 | 4,279 |
| Average total loans | $21,161,600 | 4,833 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1089% | 4,131 |
| Cost of funding earning assets | 1.3594% | 660 |
| Net interest margin | 2.7494% | 4,893 |
| Noninterest income to average assets | 0.1349% | 4,857 |
| Noninterest expense to average assets | 2.5693% | 3,248 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.1136% | 5,010 |
| Return on assets (ROA) | 0.1136% | 5,024 |
| Pretax return on assets | 0.1207% | 5,027 |
| Return on Equity (ROE) | 0.6619% | 5,039 |
| Retained earnings to average equity (ytd only) | 0.3999% | 4,689 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5145% | 209 |
| Assets per employee ($millions) | 4.2991% | 3,484 |
| Cash dividends to net income (ytd only)* | 39.5781% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5647% | 204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 37.3873% | 4,884 |
| Net loans and leases to deposits | 45.5974% | 4,878 |
| Net loans and leases to core deposits | 47.8606% | 4,877 |
| Total domestic deposits to total assets | 81.9943% | 3,477 |
| Equity capital to assets | 17.5118% | 435 |
| Core capital (leverage) ratio | 17.7374% | 368 |
| Tier 1 risk-based capital ratio | 31.3800% | 441 |
| Total risk-based capital ratio | 32.6389% | 436 |
| Memoranda: | ||
| Average total assets | $56,356,500 | 4,713 |
| Average earning assets | $52,373,500 | 4,701 |
| Average equity | $9,669,250 | 4,330 |
| Average total loans | $20,920,750 | 4,913 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0653% | 4,244 |
| Cost of funding earning assets | 1.3500% | 644 |
| Net interest margin | 2.7153% | 4,991 |
| Noninterest income to average assets | 0.1345% | 4,899 |
| Noninterest expense to average assets | 2.5552% | 3,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.0885% | 5,064 |
| Return on assets (ROA) | 0.0885% | 5,073 |
| Pretax return on assets | 0.0991% | 5,073 |
| Return on Equity (ROE) | 0.5192% | 5,085 |
| Retained earnings to average equity (ytd only) | 0.1246% | 4,656 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2667% | 201 |
| Assets per employee ($millions) | 4.3445% | 3,378 |
| Cash dividends to net income (ytd only)* | 76.0000% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5719% | 203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 36.8232% | 4,951 |
| Net loans and leases to deposits | 44.7883% | 4,934 |
| Net loans and leases to core deposits | 47.0371% | 4,932 |
| Total domestic deposits to total assets | 82.2161% | 3,453 |
| Equity capital to assets | 17.2368% | 445 |
| Core capital (leverage) ratio | 17.4301% | 389 |
| Tier 1 risk-based capital ratio | 31.1324% | 451 |
| Total risk-based capital ratio | 32.3907% | 445 |
| Memoranda: | ||
| Average total assets | $56,512,670 | 4,747 |
| Average earning assets | $52,443,330 | 4,737 |
| Average equity | $9,630,000 | 4,352 |
| Average total loans | $20,746,000 | 4,960 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0907% | 4,152 |
| Cost of funding earning assets | 1.3431% | 569 |
| Net interest margin | 2.7476% | 5,028 |
| Noninterest income to average assets | 0.1344% | 4,926 |
| Noninterest expense to average assets | 2.5615% | 3,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1061% | 5,086 |
| Return on assets (ROA) | 0.1061% | 5,093 |
| Pretax return on assets | 0.1061% | 5,099 |
| Return on Equity (ROE) | 0.6265% | 5,108 |
| Retained earnings to average equity (ytd only) | 0.6265% | 4,403 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0212% | 226 |
| Assets per employee ($millions) | 4.2754% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6205% | 212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 37.0403% | 4,986 |
| Net loans and leases to deposits | 45.0945% | 4,953 |
| Net loans and leases to core deposits | 47.7756% | 4,938 |
| Total domestic deposits to total assets | 82.1393% | 3,687 |
| Equity capital to assets | 17.3480% | 414 |
| Core capital (leverage) ratio | 17.4072% | 383 |
| Tier 1 risk-based capital ratio | 31.5956% | 423 |
| Total risk-based capital ratio | 32.8522% | 418 |
| Memoranda: | ||
| Average total assets | $56,530,000 | 4,796 |
| Average earning assets | $52,118,500 | 4,793 |
| Average equity | $9,577,500 | 4,392 |
| Average total loans | $20,446,000 | 5,029 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8343% | 4,416 |
| Cost of funding earning assets | 0.9696% | 843 |
| Net interest margin | 2.8648% | 4,957 |
| Noninterest income to average assets | 0.1614% | 4,915 |
| Noninterest expense to average assets | 2.4243% | 3,819 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3473% | 4,951 |
| Return on assets (ROA) | 0.3473% | 4,947 |
| Pretax return on assets | 0.3701% | 4,969 |
| Return on Equity (ROE) | 2.1127% | 5,032 |
| Retained earnings to average equity (ytd only) | 1.5045% | 4,532 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7546% | 490 |
| Assets per employee ($millions) | 4.7900% | 2,754 |
| Cash dividends to net income (ytd only)* | 28.7879% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7796% | 169 |
| 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 | 33.4064% | 5,134 |
| Net loans and leases to deposits | 40.2532% | 5,119 |
| Net loans and leases to core deposits | 43.1603% | 5,099 |
| Total domestic deposits to total assets | 82.9906% | 3,334 |
| Equity capital to assets | 16.5501% | 459 |
| Core capital (leverage) ratio | 17.0184% | 404 |
| Tier 1 risk-based capital ratio | 31.5066% | 411 |
| Total risk-based capital ratio | 32.7648% | 406 |
| Memoranda: | ||
| Average total assets | $57,006,000 | 4,815 |
| Average earning assets | $52,395,000 | 4,808 |
| Average equity | $9,371,800 | 4,405 |
| Average total loans | $21,274,600 | 5,047 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7848% | 4,472 |
| Cost of funding earning assets | 0.8913% | 958 |
| Net interest margin | 2.8935% | 4,981 |
| Noninterest income to average assets | 0.1641% | 4,966 |
| Noninterest expense to average assets | 2.4492% | 3,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3469% | 5,035 |
| Return on assets (ROA) | 0.3469% | 5,031 |
| Pretax return on assets | 0.3703% | 5,061 |
| Return on Equity (ROE) | 2.1135% | 5,117 |
| Retained earnings to average equity (ytd only) | 1.4995% | 4,728 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8662% | 469 |
| Assets per employee ($millions) | 4.7479% | 2,786 |
| Cash dividends to net income (ytd only)* | 29.0529% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5381% | 230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 37.0004% | 5,107 |
| Net loans and leases to deposits | 44.4672% | 5,099 |
| Net loans and leases to core deposits | 48.0216% | 5,066 |
| Total domestic deposits to total assets | 83.2084% | 3,228 |
| Equity capital to assets | 16.3581% | 478 |
| Core capital (leverage) ratio | 17.0274% | 416 |
| Tier 1 risk-based capital ratio | 29.8921% | 483 |
| Total risk-based capital ratio | 31.1485% | 476 |
| Memoranda: | ||
| Average total assets | $56,887,500 | 4,870 |
| Average earning assets | $52,207,500 | 4,870 |
| Average equity | $9,336,500 | 4,452 |
| Average total loans | $21,655,500 | 5,100 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7039% | 4,574 |
| Cost of funding earning assets | 0.8244% | 1,028 |
| Net interest margin | 2.8795% | 5,042 |
| Noninterest income to average assets | 0.1618% | 5,015 |
| Noninterest expense to average assets | 2.4658% | 3,730 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3131% | 5,100 |
| Return on assets (ROA) | 0.3131% | 5,098 |
| Pretax return on assets | 0.3377% | 5,120 |
| Return on Equity (ROE) | 1.9054% | 5,186 |
| Retained earnings to average equity (ytd only) | 1.0062% | 4,757 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9548% | 469 |
| Assets per employee ($millions) | 4.3895% | 3,293 |
| Cash dividends to net income (ytd only)* | 47.1910% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6366% | 212 |
| 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 | 36.8218% | 5,155 |
| Net loans and leases to deposits | 44.1558% | 5,140 |
| Net loans and leases to core deposits | 48.1927% | 5,086 |
| Total domestic deposits to total assets | 83.3906% | 3,288 |
| Equity capital to assets | 16.2870% | 466 |
| Core capital (leverage) ratio | 16.8512% | 413 |
| Tier 1 risk-based capital ratio | 31.8980% | 415 |
| Total risk-based capital ratio | 33.1546% | 408 |
| Memoranda: | ||
| Average total assets | $56,858,330 | 4,921 |
| Average earning assets | $52,161,000 | 4,927 |
| Average equity | $9,342,000 | 4,486 |
| Average total loans | $21,664,000 | 5,159 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6277% | 4,645 |
| Cost of funding earning assets | 0.7561% | 1,161 |
| Net interest margin | 2.8716% | 5,071 |
| Noninterest income to average assets | 0.1691% | 5,011 |
| Noninterest expense to average assets | 2.4597% | 3,778 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3383% | 5,031 |
| Return on assets (ROA) | 0.3383% | 5,035 |
| Pretax return on assets | 0.3594% | 5,087 |
| Return on Equity (ROE) | 2.0500% | 5,173 |
| Retained earnings to average equity (ytd only) | 2.0500% | 4,337 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2500% | 573 |
| Assets per employee ($millions) | 4.7952% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5910% | 233 |
| 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 | 37.2406% | 5,167 |
| Net loans and leases to deposits | 44.5760% | 5,137 |
| Net loans and leases to core deposits | 48.3856% | 5,089 |
| Total domestic deposits to total assets | 83.5442% | 3,483 |
| Equity capital to assets | 16.2021% | 471 |
| Core capital (leverage) ratio | 17.3519% | 351 |
| Tier 1 risk-based capital ratio | 31.0197% | 438 |
| Total risk-based capital ratio | 32.2767% | 431 |
| Memoranda: | ||
| Average total assets | $56,755,500 | 4,984 |
| Average earning assets | $52,375,500 | 4,985 |
| Average equity | $9,366,000 | 4,524 |
| Average total loans | $21,705,500 | 5,213 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5663% | 4,646 |
| Cost of funding earning assets | 0.5934% | 1,643 |
| Net interest margin | 2.9729% | 4,942 |
| Noninterest income to average assets | 0.5786% | 2,564 |
| Noninterest expense to average assets | 2.5364% | 3,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7481% | 3,397 |
| Return on assets (ROA) | 0.7481% | 3,438 |
| Pretax return on assets | 0.7744% | 4,322 |
| Return on Equity (ROE) | 4.5546% | 4,331 |
| Retained earnings to average equity (ytd only) | 3.2883% | 3,335 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6103% | 1,533 |
| Assets per employee ($millions) | 4.6641% | 2,930 |
| Cash dividends to net income (ytd only)* | 27.8037% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6527% | 206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 37.2420% | 5,253 |
| Net loans and leases to deposits | 44.8895% | 5,221 |
| Net loans and leases to core deposits | 48.1341% | 5,187 |
| Total domestic deposits to total assets | 82.9638% | 3,573 |
| Equity capital to assets | 16.8111% | 413 |
| Core capital (leverage) ratio | 17.4995% | 330 |
| Tier 1 risk-based capital ratio | 31.6488% | 397 |
| Total risk-based capital ratio | 32.9081% | 396 |
| Memoranda: | ||
| Average total assets | $57,207,800 | 5,027 |
| Average earning assets | $52,575,000 | 5,022 |
| Average equity | $9,397,000 | 4,539 |
| Average total loans | $21,943,200 | 5,259 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5645% | 4,648 |
| Cost of funding earning assets | 0.5895% | 1,609 |
| Net interest margin | 2.9751% | 4,971 |
| Noninterest income to average assets | 0.7140% | 1,939 |
| Noninterest expense to average assets | 2.5337% | 3,615 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8809% | 3,127 |
| Return on assets (ROA) | 0.8809% | 3,171 |
| Pretax return on assets | 0.9064% | 4,019 |
| Return on Equity (ROE) | 5.3933% | 4,375 |
| Retained earnings to average equity (ytd only) | 4.2295% | 3,384 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6523% | 1,947 |
| Assets per employee ($millions) | 4.7353% | 2,782 |
| Cash dividends to net income (ytd only)* | 21.5790% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6776% | 213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 36.2036% | 5,336 |
| Net loans and leases to deposits | 43.6764% | 5,318 |
| Net loans and leases to core deposits | 46.5440% | 5,301 |
| Total domestic deposits to total assets | 82.8907% | 3,489 |
| Equity capital to assets | 16.7485% | 452 |
| Core capital (leverage) ratio | 16.9147% | 393 |
| Tier 1 risk-based capital ratio | 31.9438% | 420 |
| Total risk-based capital ratio | 33.2030% | 414 |
| Memoranda: | ||
| Average total assets | $57,517,500 | 5,068 |
| Average earning assets | $52,703,000 | 5,072 |
| Average equity | $9,394,000 | 4,588 |
| Average total loans | $22,076,000 | 5,306 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4547% | 4,863 |
| Cost of funding earning assets | 0.5922% | 1,496 |
| Net interest margin | 2.8625% | 5,150 |
| Noninterest income to average assets | 0.9870% | 1,048 |
| Noninterest expense to average assets | 2.5871% | 3,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9836% | 2,513 |
| Return on assets (ROA) | 0.9836% | 2,558 |
| Pretax return on assets | 1.0113% | 3,520 |
| Return on Equity (ROE) | 6.0729% | 4,013 |
| Retained earnings to average equity (ytd only) | 5.0893% | 2,650 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8961% | 2,354 |
| Assets per employee ($millions) | 4.8014% | 2,651 |
| Cash dividends to net income (ytd only)* | 16.1972% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6440% | 237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 36.2358% | 5,374 |
| Net loans and leases to deposits | 43.5212% | 5,352 |
| Net loans and leases to core deposits | 45.2326% | 5,362 |
| Total domestic deposits to total assets | 83.2601% | 3,481 |
| Equity capital to assets | 16.4084% | 484 |
| Core capital (leverage) ratio | 16.2211% | 449 |
| Tier 1 risk-based capital ratio | 31.2888% | 426 |
| Total risk-based capital ratio | 32.5462% | 419 |
| Memoranda: | ||
| Average total assets | $57,749,000 | 5,106 |
| Average earning assets | $52,681,330 | 5,108 |
| Average equity | $9,353,000 | 4,618 |
| Average total loans | $22,388,670 | 5,341 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3811% | 4,972 |
| Cost of funding earning assets | 0.5660% | 1,612 |
| Net interest margin | 2.8150% | 5,218 |
| Noninterest income to average assets | 1.8334% | 350 |
| Noninterest expense to average assets | 2.8228% | 2,712 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5567% | 737 |
| Return on assets (ROA) | 1.5567% | 758 |
| Pretax return on assets | 1.5913% | 1,262 |
| Return on Equity (ROE) | 9.6748% | 2,109 |
| Retained earnings to average equity (ytd only) | 9.6748% | 889 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9498% | 3,848 |
| Assets per employee ($millions) | 4.9643% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5059% | 311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 36.9660% | 5,368 |
| Net loans and leases to deposits | 44.0693% | 5,362 |
| Net loans and leases to core deposits | 45.7294% | 5,372 |
| Total domestic deposits to total assets | 83.8814% | 3,522 |
| Equity capital to assets | 15.8114% | 523 |
| Core capital (leverage) ratio | 16.7760% | 383 |
| Tier 1 risk-based capital ratio | 30.6017% | 460 |
| Total risk-based capital ratio | 31.8587% | 457 |
| Memoranda: | ||
| Average total assets | $57,815,000 | 5,156 |
| Average earning assets | $53,001,000 | 5,156 |
| Average equity | $9,302,500 | 4,659 |
| Average total loans | $22,860,500 | 5,380 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4682% | 4,847 |
| Cost of funding earning assets | 0.5167% | 1,967 |
| Net interest margin | 2.9515% | 5,050 |
| Noninterest income to average assets | 0.2154% | 5,127 |
| Noninterest expense to average assets | 2.4494% | 4,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4274% | 4,854 |
| Return on assets (ROA) | 0.4274% | 4,940 |
| Pretax return on assets | 0.4291% | 5,162 |
| Return on Equity (ROE) | 2.6222% | 5,264 |
| Retained earnings to average equity (ytd only) | 1.6903% | 4,567 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0920% | 896 |
| Assets per employee ($millions) | 4.6716% | 2,843 |
| Cash dividends to net income (ytd only)* | 35.5372% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4336% | 339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2219% | 1,468 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 40.2629% | 5,303 |
| Net loans and leases to deposits | 48.2812% | 5,283 |
| Net loans and leases to core deposits | 49.8366% | 5,306 |
| Total domestic deposits to total assets | 83.3925% | 3,632 |
| Equity capital to assets | 16.3863% | 450 |
| Core capital (leverage) ratio | 16.6824% | 382 |
| Tier 1 risk-based capital ratio | 28.6055% | 536 |
| Total risk-based capital ratio | 29.8610% | 531 |
| Memoranda: | ||
| Average total assets | $56,626,800 | 5,220 |
| Average earning assets | $51,093,400 | 5,224 |
| Average equity | $9,229,000 | 4,708 |
| Average total loans | $21,521,400 | 5,464 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4258% | 4,968 |
| Cost of funding earning assets | 0.5010% | 2,095 |
| Net interest margin | 2.9249% | 5,143 |
| Noninterest income to average assets | 0.2043% | 5,245 |
| Noninterest expense to average assets | 2.3933% | 4,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4439% | 4,892 |
| Return on assets (ROA) | 0.4439% | 4,973 |
| Pretax return on assets | 0.4439% | 5,237 |
| Return on Equity (ROE) | 2.7272% | 5,291 |
| Retained earnings to average equity (ytd only) | 1.9192% | 4,721 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3543% | 963 |
| Assets per employee ($millions) | 4.7788% | 2,641 |
| Cash dividends to net income (ytd only)* | 29.6282% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6137% | 286 |
| Loan loss allowance to noncurrent loans | 461.1570% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 1.4055% | 1,324 |
| Noncurrent loans to loans | 0.5668% | 3,304 |
| Net loans and leases to total assets | 36.2560% | 5,542 |
| Net loans and leases to deposits | 43.4377% | 5,532 |
| Net loans and leases to core deposits | 44.6207% | 5,560 |
| Total domestic deposits to total assets | 83.4667% | 3,412 |
| Equity capital to assets | 16.2787% | 514 |
| Core capital (leverage) ratio | 16.4041% | 427 |
| Tier 1 risk-based capital ratio | 29.1793% | 518 |
| Total risk-based capital ratio | 30.4349% | 513 |
| Memoranda: | ||
| Average total assets | $56,768,750 | 5,258 |
| Average earning assets | $51,100,750 | 5,273 |
| Average equity | $9,239,750 | 4,756 |
| Average total loans | $21,118,250 | 5,530 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4261% | 5,029 |
| Cost of funding earning assets | 0.4833% | 2,244 |
| Net interest margin | 2.9429% | 5,184 |
| Noninterest income to average assets | 0.2015% | 5,291 |
| Noninterest expense to average assets | 2.4215% | 4,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4277% | 4,948 |
| Return on assets (ROA) | 0.4277% | 5,037 |
| Pretax return on assets | 0.4277% | 5,287 |
| Return on Equity (ROE) | 2.6281% | 5,356 |
| Retained earnings to average equity (ytd only) | 2.2155% | 4,465 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9876% | 966 |
| Assets per employee ($millions) | 4.6943% | 2,730 |
| Cash dividends to net income (ytd only)* | 15.7025% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6011% | 319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2160% | 1,702 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 37.0258% | 5,557 |
| Net loans and leases to deposits | 44.4798% | 5,545 |
| Net loans and leases to core deposits | 45.4599% | 5,578 |
| Total domestic deposits to total assets | 83.2419% | 3,558 |
| Equity capital to assets | 16.5025% | 486 |
| Core capital (leverage) ratio | 16.5064% | 405 |
| Tier 1 risk-based capital ratio | 29.5834% | 515 |
| Total risk-based capital ratio | 30.8415% | 507 |
| Memoranda: | ||
| Average total assets | $56,576,670 | 5,324 |
| Average earning assets | $50,902,670 | 5,339 |
| Average equity | $9,208,000 | 4,799 |
| Average total loans | $21,041,330 | 5,596 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3369% | 5,244 |
| Cost of funding earning assets | 0.4543% | 2,536 |
| Net interest margin | 2.8826% | 5,354 |
| Noninterest income to average assets | 0.1975% | 5,324 |
| Noninterest expense to average assets | 2.4903% | 4,101 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3034% | 5,294 |
| Return on assets (ROA) | 0.3034% | 5,376 |
| Pretax return on assets | 0.3034% | 5,503 |
| Return on Equity (ROE) | 1.8769% | 5,525 |
| Retained earnings to average equity (ytd only) | 1.8769% | 4,510 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1414% | 731 |
| Assets per employee ($millions) | 4.6522% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7037% | 313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2270% | 1,776 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 36.4203% | 5,615 |
| Net loans and leases to deposits | 43.7530% | 5,601 |
| Net loans and leases to core deposits | 45.4753% | 5,608 |
| Total domestic deposits to total assets | 83.2408% | 3,808 |
| Equity capital to assets | 16.5532% | 471 |
| Core capital (leverage) ratio | 16.5163% | 419 |
| Tier 1 risk-based capital ratio | 30.5920% | 479 |
| Total risk-based capital ratio | 31.8516% | 472 |
| Memoranda: | ||
| Average total assets | $56,699,500 | 5,375 |
| Average earning assets | $51,065,500 | 5,381 |
| Average equity | $9,164,000 | 4,826 |
| Average total loans | $20,855,000 | 5,652 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2828% | 5,376 |
| Cost of funding earning assets | 0.4155% | 2,989 |
| Net interest margin | 2.8673% | 5,391 |
| Noninterest income to average assets | 0.1914% | 5,444 |
| Noninterest expense to average assets | 2.4333% | 4,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3420% | 5,234 |
| Return on assets (ROA) | 0.3420% | 5,326 |
| Pretax return on assets | 0.3633% | 5,398 |
| Return on Equity (ROE) | 2.1248% | 5,540 |
| Retained earnings to average equity (ytd only) | 1.1890% | 5,032 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0089% | 908 |
| Assets per employee ($millions) | 4.7978% | 2,609 |
| Cash dividends to net income (ytd only)* | 44.0415% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7098% | 312 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1585% | 1,874 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 35.1710% | 5,737 |
| Net loans and leases to deposits | 41.8506% | 5,713 |
| Net loans and leases to core deposits | 43.4314% | 5,731 |
| Total domestic deposits to total assets | 84.0394% | 3,463 |
| Equity capital to assets | 15.7834% | 551 |
| Core capital (leverage) ratio | 16.0712% | 459 |
| Tier 1 risk-based capital ratio | 30.0078% | 503 |
| Total risk-based capital ratio | 31.2655% | 497 |
| Memoranda: | ||
| Average total assets | $56,425,800 | 5,392 |
| Average earning assets | $51,267,200 | 5,403 |
| Average equity | $9,083,200 | 4,826 |
| Average total loans | $20,219,000 | 5,713 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2886% | 5,427 |
| Cost of funding earning assets | 0.4007% | 3,218 |
| Net interest margin | 2.8880% | 5,436 |
| Noninterest income to average assets | 0.1853% | 5,554 |
| Noninterest expense to average assets | 2.4439% | 4,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3586% | 5,292 |
| Return on assets (ROA) | 0.3586% | 5,379 |
| Pretax return on assets | 0.3776% | 5,506 |
| Return on Equity (ROE) | 2.2167% | 5,625 |
| Retained earnings to average equity (ytd only) | 1.3946% | 5,162 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6162% | 963 |
| Assets per employee ($millions) | 4.7552% | 2,617 |
| Cash dividends to net income (ytd only)* | 37.0834% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8266% | 289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1689% | 2,026 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 34.0998% | 5,851 |
| Net loans and leases to deposits | 40.7412% | 5,840 |
| Net loans and leases to core deposits | 42.0686% | 5,853 |
| Total domestic deposits to total assets | 83.6984% | 3,536 |
| Equity capital to assets | 16.1000% | 547 |
| Core capital (leverage) ratio | 16.3707% | 443 |
| Tier 1 risk-based capital ratio | 31.1287% | 466 |
| Total risk-based capital ratio | 32.3877% | 461 |
| Memoranda: | ||
| Average total assets | $56,139,000 | 5,471 |
| Average earning assets | $51,246,000 | 5,480 |
| Average equity | $9,082,250 | 4,889 |
| Average total loans | $20,070,500 | 5,792 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3141% | 5,411 |
| Cost of funding earning assets | 0.3936% | 3,337 |
| Net interest margin | 2.9205% | 5,404 |
| Noninterest income to average assets | 0.1827% | 5,596 |
| Noninterest expense to average assets | 2.4717% | 4,324 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3403% | 5,323 |
| Return on assets (ROA) | 0.3403% | 5,432 |
| Pretax return on assets | 0.3690% | 5,538 |
| Return on Equity (ROE) | 2.1001% | 5,655 |
| Retained earnings to average equity (ytd only) | 1.2379% | 5,063 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0113% | 980 |
| Assets per employee ($millions) | 4.6573% | 2,738 |
| Cash dividends to net income (ytd only)* | 41.0526% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9008% | 299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1935% | 2,118 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 33.9590% | 5,911 |
| Net loans and leases to deposits | 40.6185% | 5,883 |
| Net loans and leases to core deposits | 41.9722% | 5,895 |
| Total domestic deposits to total assets | 83.6047% | 3,727 |
| Equity capital to assets | 16.2092% | 499 |
| Core capital (leverage) ratio | 16.2495% | 439 |
| Tier 1 risk-based capital ratio | 30.4294% | 518 |
| Total risk-based capital ratio | 31.6887% | 511 |
| Memoranda: | ||
| Average total assets | $55,831,330 | 5,539 |
| Average earning assets | $50,812,670 | 5,544 |
| Average equity | $9,047,330 | 4,935 |
| Average total loans | $20,086,000 | 5,844 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4275% | 5,151 |
| Cost of funding earning assets | 0.3949% | 3,360 |
| Net interest margin | 3.0326% | 5,117 |
| Noninterest income to average assets | 0.1720% | 5,686 |
| Noninterest expense to average assets | 2.5375% | 4,150 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3656% | 5,202 |
| Return on assets (ROA) | 0.3656% | 5,320 |
| Pretax return on assets | 0.3871% | 5,456 |
| Return on Equity (ROE) | 2.2563% | 5,622 |
| Retained earnings to average equity (ytd only) | 2.2563% | 4,554 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7647% | 1,114 |
| Assets per employee ($millions) | 4.6813% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8006% | 367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1874% | 2,259 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 34.7219% | 5,894 |
| Net loans and leases to deposits | 41.5389% | 5,858 |
| Net loans and leases to core deposits | 42.2186% | 5,900 |
| Total domestic deposits to total assets | 83.5888% | 3,978 |
| Equity capital to assets | 16.2225% | 520 |
| Core capital (leverage) ratio | 16.3283% | 429 |
| Tier 1 risk-based capital ratio | 28.6279% | 611 |
| Total risk-based capital ratio | 29.8855% | 601 |
| Memoranda: | ||
| Average total assets | $55,803,000 | 5,595 |
| Average earning assets | $50,649,000 | 5,604 |
| Average equity | $9,041,500 | 4,981 |
| Average total loans | $20,356,000 | 5,882 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6488% | 4,935 |
| Cost of funding earning assets | 0.3950% | 3,742 |
| Net interest margin | 3.2538% | 4,737 |
| Noninterest income to average assets | 0.1673% | 5,857 |
| Noninterest expense to average assets | 2.3925% | 4,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7272% | 3,759 |
| Return on assets (ROA) | 0.7272% | 3,863 |
| Pretax return on assets | 0.7399% | 4,479 |
| Return on Equity (ROE) | 4.5208% | 4,877 |
| Retained earnings to average equity (ytd only) | 2.4977% | 4,457 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3784% | 2,454 |
| Assets per employee ($millions) | 4.6193% | 2,842 |
| Cash dividends to net income (ytd only)* | 44.7500% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7077% | 420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2033% | 2,372 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 36.2360% | 5,941 |
| Net loans and leases to deposits | 43.3187% | 5,906 |
| Net loans and leases to core deposits | 44.0376% | 5,956 |
| Total domestic deposits to total assets | 83.6499% | 3,862 |
| Equity capital to assets | 16.1823% | 512 |
| Core capital (leverage) ratio | 16.3780% | 426 |
| Tier 1 risk-based capital ratio | 27.9486% | 617 |
| Total risk-based capital ratio | 29.2048% | 604 |
| Memoranda: | ||
| Average total assets | $55,005,800 | 5,676 |
| Average earning assets | $50,125,600 | 5,674 |
| Average equity | $8,848,000 | 5,010 |
| Average total loans | $21,574,600 | 5,900 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6897% | 4,892 |
| Cost of funding earning assets | 0.3926% | 3,869 |
| Net interest margin | 3.2971% | 4,614 |
| Noninterest income to average assets | 0.1579% | 5,965 |
| Noninterest expense to average assets | 2.3679% | 4,919 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7990% | 3,432 |
| Return on assets (ROA) | 0.7990% | 3,529 |
| Pretax return on assets | 0.8087% | 4,333 |
| Return on Equity (ROE) | 4.9749% | 4,729 |
| Retained earnings to average equity (ytd only) | 3.0393% | 4,454 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5413% | 2,731 |
| Assets per employee ($millions) | 4.6219% | 2,781 |
| Cash dividends to net income (ytd only)* | 38.9048% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6145% | 557 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2026% | 2,545 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 37.3402% | 5,973 |
| Net loans and leases to deposits | 44.6606% | 5,936 |
| Net loans and leases to core deposits | 45.7457% | 5,963 |
| Total domestic deposits to total assets | 83.6089% | 3,914 |
| Equity capital to assets | 16.1134% | 546 |
| Core capital (leverage) ratio | 16.2574% | 447 |
| Tier 1 risk-based capital ratio | 27.1599% | 694 |
| Total risk-based capital ratio | 28.4163% | 681 |
| Memoranda: | ||
| Average total assets | $54,899,500 | 5,739 |
| Average earning assets | $50,264,750 | 5,727 |
| Average equity | $8,817,500 | 5,060 |
| Average total loans | $21,807,000 | 5,956 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7604% | 4,654 |
| Cost of funding earning assets | 0.3887% | 4,006 |
| Net interest margin | 3.3717% | 4,307 |
| Noninterest income to average assets | 0.1462% | 6,088 |
| Noninterest expense to average assets | 2.3395% | 5,060 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8993% | 2,812 |
| Return on assets (ROA) | 0.8993% | 2,906 |
| Pretax return on assets | 0.9139% | 3,827 |
| Return on Equity (ROE) | 5.6051% | 4,383 |
| Retained earnings to average equity (ytd only) | 3.2811% | 4,117 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9101% | 3,360 |
| Assets per employee ($millions) | 5.0451% | 2,155 |
| Cash dividends to net income (ytd only)* | 41.4634% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5529% | 667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2019% | 2,683 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 38.6550% | 5,913 |
| Net loans and leases to deposits | 46.2009% | 5,874 |
| Net loans and leases to core deposits | 47.3220% | 5,937 |
| Total domestic deposits to total assets | 83.6673% | 4,049 |
| Equity capital to assets | 16.0570% | 543 |
| Core capital (leverage) ratio | 16.3387% | 432 |
| Tier 1 risk-based capital ratio | 26.9897% | 700 |
| Total risk-based capital ratio | 28.2463% | 688 |
| Memoranda: | ||
| Average total assets | $54,711,670 | 5,795 |
| Average earning assets | $50,420,000 | 5,775 |
| Average equity | $8,777,670 | 5,090 |
| Average total loans | $21,987,330 | 5,991 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0688% | 3,405 |
| Cost of funding earning assets | 0.3822% | 4,172 |
| Net interest margin | 3.6866% | 2,920 |
| Noninterest income to average assets | 0.1473% | 6,087 |
| Noninterest expense to average assets | 2.4595% | 4,762 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0678% | 1,938 |
| Return on assets (ROA) | 1.0678% | 2,004 |
| Pretax return on assets | 1.0972% | 2,914 |
| Return on Equity (ROE) | 6.6582% | 3,658 |
| Retained earnings to average equity (ytd only) | 6.6582% | 2,207 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1511% | 3,975 |
| Assets per employee ($millions) | 4.9590% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6896% | 634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2228% | 2,812 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 37.5406% | 5,974 |
| Net loans and leases to deposits | 44.9089% | 5,922 |
| Net loans and leases to core deposits | 46.0180% | 5,987 |
| Total domestic deposits to total assets | 83.5927% | 4,421 |
| Equity capital to assets | 16.1525% | 505 |
| Core capital (leverage) ratio | 16.6528% | 401 |
| Tier 1 risk-based capital ratio | 28.2239% | 625 |
| Total risk-based capital ratio | 29.4811% | 611 |
| Memoranda: | ||
| Average total assets | $54,319,500 | 5,859 |
| Average earning assets | $50,235,500 | 5,833 |
| Average equity | $8,711,000 | 5,129 |
| Average total loans | $21,974,000 | 6,046 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6082% | 5,382 |
| Cost of funding earning assets | 0.3919% | 4,735 |
| Net interest margin | 3.2162% | 4,945 |
| Noninterest income to average assets | 0.2435% | 5,600 |
| Noninterest expense to average assets | 2.5132% | 4,727 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6506% | 4,028 |
| Return on assets (ROA) | 0.6506% | 4,135 |
| Pretax return on assets | 0.6896% | 4,581 |
| Return on Equity (ROE) | 4.0346% | 5,095 |
| Retained earnings to average equity (ytd only) | 2.4784% | 4,493 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4678% | 2,390 |
| Assets per employee ($millions) | 4.9173% | 2,284 |
| Cash dividends to net income (ytd only)* | 38.5714% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4799% | 844 |
| Loan loss allowance to noncurrent loans | 75.7333% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 2.6197% | 1,292 |
| Noncurrent loans to loans | 3.2745% | 1,013 |
| Net loans and leases to total assets | 41.2941% | 5,869 |
| Net loans and leases to deposits | 49.2362% | 5,817 |
| Net loans and leases to core deposits | 50.7798% | 5,889 |
| Total domestic deposits to total assets | 83.8695% | 4,213 |
| Equity capital to assets | 15.9198% | 538 |
| Core capital (leverage) ratio | 16.6060% | 407 |
| Tier 1 risk-based capital ratio | 26.7577% | 704 |
| Total risk-based capital ratio | 28.0146% | 687 |
| Memoranda: | ||
| Average total assets | $53,796,400 | 5,922 |
| Average earning assets | $49,499,000 | 5,905 |
| Average equity | $8,675,000 | 5,169 |
| Average total loans | $23,474,400 | 6,058 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6249% | 5,374 |
| Cost of funding earning assets | 0.3968% | 4,840 |
| Net interest margin | 3.2282% | 4,909 |
| Noninterest income to average assets | 0.2432% | 5,696 |
| Noninterest expense to average assets | 2.5190% | 4,659 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6602% | 4,065 |
| Return on assets (ROA) | 0.6602% | 4,202 |
| Pretax return on assets | 0.6924% | 4,710 |
| Return on Equity (ROE) | 4.0808% | 5,182 |
| Retained earnings to average equity (ytd only) | 2.6387% | 4,748 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4389% | 2,350 |
| Assets per employee ($millions) | 4.8862% | 2,325 |
| Cash dividends to net income (ytd only)* | 35.3381% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5656% | 868 |
| Loan loss allowance to noncurrent loans | 76.1780% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 2.6624% | 1,417 |
| Noncurrent loans to loans | 3.3679% | 1,152 |
| Net loans and leases to total assets | 41.1234% | 5,959 |
| Net loans and leases to deposits | 49.1801% | 5,892 |
| Net loans and leases to core deposits | 50.1611% | 6,010 |
| Total domestic deposits to total assets | 83.6180% | 4,341 |
| Equity capital to assets | 16.0992% | 538 |
| Core capital (leverage) ratio | 16.2440% | 464 |
| Tier 1 risk-based capital ratio | 27.0014% | 705 |
| Total risk-based capital ratio | 28.2576% | 688 |
| Memoranda: | ||
| Average total assets | $53,723,000 | 5,990 |
| Average earning assets | $49,397,250 | 5,974 |
| Average equity | $8,691,000 | 5,217 |
| Average total loans | $23,617,000 | 6,110 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6098% | 5,406 |
| Cost of funding earning assets | 0.4002% | 4,945 |
| Net interest margin | 3.2096% | 4,913 |
| Noninterest income to average assets | 0.2420% | 5,719 |
| Noninterest expense to average assets | 2.5393% | 4,594 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6106% | 4,235 |
| Return on assets (ROA) | 0.6106% | 4,405 |
| Pretax return on assets | 0.6590% | 4,821 |
| Return on Equity (ROE) | 3.7685% | 5,304 |
| Retained earnings to average equity (ytd only) | 2.4128% | 4,763 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3946% | 2,240 |
| Assets per employee ($millions) | 4.4872% | 2,831 |
| Cash dividends to net income (ytd only)* | 35.9756% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5131% | 972 |
| Loan loss allowance to noncurrent loans | 75.3886% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 2.6724% | 1,563 |
| Noncurrent loans to loans | 3.3335% | 1,301 |
| Net loans and leases to total assets | 41.9288% | 5,903 |
| Net loans and leases to deposits | 50.1477% | 5,831 |
| Net loans and leases to core deposits | 51.1463% | 5,952 |
| Total domestic deposits to total assets | 83.6107% | 4,478 |
| Equity capital to assets | 16.1238% | 511 |
| Core capital (leverage) ratio | 16.3364% | 433 |
| Tier 1 risk-based capital ratio | 26.7765% | 712 |
| Total risk-based capital ratio | 28.0317% | 700 |
| Memoranda: | ||
| Average total assets | $53,714,670 | 6,029 |
| Average earning assets | $49,477,000 | 6,011 |
| Average equity | $8,703,670 | 5,245 |
| Average total loans | $23,927,670 | 6,133 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6640% | 5,270 |
| Cost of funding earning assets | 0.4125% | 4,983 |
| Net interest margin | 3.2515% | 4,727 |
| Noninterest income to average assets | 0.2386% | 5,757 |
| Noninterest expense to average assets | 2.6468% | 4,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5368% | 4,511 |
| Return on assets (ROA) | 0.5368% | 4,654 |
| Pretax return on assets | 0.5890% | 4,982 |
| Return on Equity (ROE) | 3.3048% | 5,432 |
| Retained earnings to average equity (ytd only) | 3.3048% | 4,269 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7972% | 2,068 |
| Assets per employee ($millions) | 4.8875% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4866% | 1,134 |
| Loan loss allowance to noncurrent loans | 74.8072% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 2.6878% | 1,689 |
| Noncurrent loans to loans | 3.3241% | 1,458 |
| Net loans and leases to total assets | 42.4519% | 5,811 |
| Net loans and leases to deposits | 50.8058% | 5,725 |
| Net loans and leases to core deposits | 51.7247% | 5,841 |
| Total domestic deposits to total assets | 83.5572% | 4,645 |
| Equity capital to assets | 16.2754% | 521 |
| Core capital (leverage) ratio | 16.2860% | 425 |
| Tier 1 risk-based capital ratio | 26.4720% | 747 |
| Total risk-based capital ratio | 27.7298% | 738 |
| Memoranda: | ||
| Average total assets | $53,649,000 | 6,089 |
| Average earning assets | $49,454,500 | 6,063 |
| Average equity | $8,714,500 | 5,297 |
| Average total loans | $24,312,000 | 6,160 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3631% | 3,976 |
| Cost of funding earning assets | 0.5268% | 5,015 |
| Net interest margin | 3.8363% | 3,080 |
| Noninterest income to average assets | 0.1517% | 6,277 |
| Noninterest expense to average assets | 2.6368% | 4,611 |
| Loan and lease loss provision to assets | 0.0300% | 5,523 |
| Net operating income to assets | 1.0113% | 2,288 |
| Return on assets (ROA) | 1.0113% | 2,503 |
| Pretax return on assets | 1.0581% | 3,329 |
| Return on Equity (ROE) | 6.3312% | 3,998 |
| Retained earnings to average equity (ytd only) | 3.7870% | 3,548 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7893% | 3,658 |
| Assets per employee ($millions) | 4.8669% | 2,394 |
| Cash dividends to net income (ytd only)* | 40.1852% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3078% | 1,354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2459% | 3,566 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 46.0195% | 5,610 |
| Net loans and leases to deposits | 55.0154% | 5,549 |
| Net loans and leases to core deposits | 55.6756% | 5,737 |
| Total domestic deposits to total assets | 83.6484% | 4,476 |
| Equity capital to assets | 16.2115% | 517 |
| Core capital (leverage) ratio | 16.1171% | 439 |
| Tier 1 risk-based capital ratio | 25.1660% | 832 |
| Total risk-based capital ratio | 26.4212% | 819 |
| Memoranda: | ||
| Average total assets | $53,399,000 | 6,109 |
| Average earning assets | $49,735,200 | 6,065 |
| Average equity | $8,529,200 | 5,357 |
| Average total loans | $26,707,400 | 6,099 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4431% | 3,867 |
| Cost of funding earning assets | 0.5507% | 5,084 |
| Net interest margin | 3.8924% | 2,937 |
| Noninterest income to average assets | 0.1499% | 6,401 |
| Noninterest expense to average assets | 2.6609% | 4,523 |
| Loan and lease loss provision to assets | 0.0400% | 5,274 |
| Net operating income to assets | 1.0394% | 2,320 |
| Return on assets (ROA) | 1.0394% | 2,540 |
| Pretax return on assets | 1.0868% | 3,399 |
| Return on Equity (ROE) | 6.5316% | 4,047 |
| Retained earnings to average equity (ytd only) | 3.8625% | 4,174 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2507% | 3,644 |
| Assets per employee ($millions) | 4.1121% | 3,661 |
| Cash dividends to net income (ytd only)* | 40.8654% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2638% | 1,594 |
| Loan loss allowance to noncurrent loans | 259.8214% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 1.6668% | 3,082 |
| Noncurrent loans to loans | 0.8713% | 4,677 |
| Net loans and leases to total assets | 47.0041% | 5,657 |
| Net loans and leases to deposits | 56.1861% | 5,619 |
| Net loans and leases to core deposits | 56.8613% | 5,821 |
| Total domestic deposits to total assets | 83.6579% | 4,369 |
| Equity capital to assets | 16.1008% | 589 |
| Core capital (leverage) ratio | 16.0417% | 470 |
| Tier 1 risk-based capital ratio | 24.9077% | 918 |
| Total risk-based capital ratio | 26.1641% | 908 |
| Memoranda: | ||
| Average total assets | $53,364,750 | 6,175 |
| Average earning assets | $49,874,000 | 6,119 |
| Average equity | $8,491,750 | 5,415 |
| Average total loans | $27,079,500 | 6,162 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5663% | 3,496 |
| Cost of funding earning assets | 0.5748% | 5,120 |
| Net interest margin | 3.9916% | 2,540 |
| Noninterest income to average assets | 0.1050% | 6,652 |
| Noninterest expense to average assets | 2.6250% | 4,697 |
| Loan and lease loss provision to assets | 0.0600% | 4,900 |
| Net operating income to assets | 1.0987% | 2,053 |
| Return on assets (ROA) | 1.0987% | 2,279 |
| Pretax return on assets | 1.1700% | 3,046 |
| Return on Equity (ROE) | 6.9322% | 3,816 |
| Retained earnings to average equity (ytd only) | 4.2114% | 3,809 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0934% | 4,099 |
| Assets per employee ($millions) | 4.1260% | 3,614 |
| Cash dividends to net income (ytd only)* | 39.2491% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3088% | 1,576 |
| Loan loss allowance to noncurrent loans | 259.8214% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 1.6611% | 3,226 |
| Noncurrent loans to loans | 0.8886% | 4,715 |
| Net loans and leases to total assets | 45.9115% | 5,832 |
| Net loans and leases to deposits | 54.7366% | 5,796 |
| Net loans and leases to core deposits | 55.3904% | 5,989 |
| Total domestic deposits to total assets | 83.8771% | 4,359 |
| Equity capital to assets | 15.9029% | 601 |
| Core capital (leverage) ratio | 15.6877% | 500 |
| Tier 1 risk-based capital ratio | 25.1957% | 883 |
| Total risk-based capital ratio | 26.4502% | 868 |
| Memoranda: | ||
| Average total assets | $53,334,000 | 6,217 |
| Average earning assets | $50,105,670 | 6,154 |
| Average equity | $8,453,330 | 5,432 |
| Average total loans | $27,536,330 | 6,175 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5028% | 3,903 |
| Cost of funding earning assets | 0.5988% | 5,143 |
| Net interest margin | 3.9040% | 2,901 |
| Noninterest income to average assets | 0.0978% | 6,755 |
| Noninterest expense to average assets | 2.6550% | 4,600 |
| Loan and lease loss provision to assets | 0.1203% | 3,842 |
| Net operating income to assets | 0.9251% | 2,813 |
| Return on assets (ROA) | 0.9251% | 3,018 |
| Pretax return on assets | 1.0003% | 3,674 |
| Return on Equity (ROE) | 5.8467% | 4,379 |
| Retained earnings to average equity (ytd only) | 5.8467% | 3,048 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3187% | 3,756 |
| Assets per employee ($millions) | 4.0943% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9999% | 2,352 |
| Loan loss allowance to noncurrent loans | 259.8214% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 1.6740% | 3,347 |
| Noncurrent loans to loans | 0.7697% | 5,123 |
| Net loans and leases to total assets | 53.5828% | 4,790 |
| Net loans and leases to deposits | 63.9061% | 4,651 |
| Net loans and leases to core deposits | 65.9773% | 4,911 |
| Total domestic deposits to total assets | 83.8462% | 4,565 |
| Equity capital to assets | 15.9471% | 584 |
| Core capital (leverage) ratio | 15.8878% | 479 |
| Tier 1 risk-based capital ratio | 23.0153% | 1,133 |
| Total risk-based capital ratio | 24.2694% | 1,117 |
| Memoranda: | ||
| Average total assets | $53,182,000 | 6,259 |
| Average earning assets | $50,102,500 | 6,190 |
| Average equity | $8,415,000 | 5,460 |
| Average total loans | $28,700,500 | 6,176 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6413% | 4,493 |
| Cost of funding earning assets | 0.7102% | 5,474 |
| Net interest margin | 3.9311% | 3,201 |
| Noninterest income to average assets | 0.1001% | 6,639 |
| Noninterest expense to average assets | 2.7996% | 4,347 |
| Loan and lease loss provision to assets | 0.0250% | 6,258 |
| Net operating income to assets | 0.9627% | 2,347 |
| Return on assets (ROA) | 0.9627% | 2,477 |
| Pretax return on assets | 1.0166% | 3,180 |
| Return on Equity (ROE) | 6.1213% | 3,805 |
| Retained earnings to average equity (ytd only) | 3.6850% | 3,586 |
| Net charge-offs to loans | 0.0669% | 5,638 |
| Credit loss provision to net charge-offs | 68.4211% | 4,911 |
| Earnings coverage of net charge-offs (x) | 28.4737% | 876 |
| Efficiency ratio | 72.8822% | 3,414 |
| Assets per employee ($millions) | 4.0875% | 3,672 |
| Cash dividends to net income (ytd only)* | 39.8000% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0001% | 2,276 |
| Loan loss allowance to noncurrent loans | 250.4425% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 1.6805% | 3,430 |
| Noncurrent loans to loans | 0.7986% | 5,092 |
| Net loans and leases to total assets | 52.1905% | 5,286 |
| Net loans and leases to deposits | 62.0731% | 5,231 |
| Net loans and leases to core deposits | 64.0825% | 5,456 |
| Total domestic deposits to total assets | 84.0792% | 4,288 |
| Equity capital to assets | 15.6987% | 631 |
| Core capital (leverage) ratio | 15.9965% | 463 |
| Tier 1 risk-based capital ratio | 22.7028% | 1,132 |
| Total risk-based capital ratio | 23.9555% | 1,112 |
| Memoranda: | ||
| Average total assets | $51,935,800 | 6,303 |
| Average earning assets | $49,426,000 | 6,218 |
| Average equity | $8,168,200 | 5,522 |
| Average total loans | $28,413,600 | 6,232 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6219% | 4,780 |
| Cost of funding earning assets | 0.7432% | 5,502 |
| Net interest margin | 3.8787% | 3,483 |
| Noninterest income to average assets | 0.1007% | 6,748 |
| Noninterest expense to average assets | 2.7500% | 4,532 |
| Loan and lease loss provision to assets | 0.0336% | 6,019 |
| Net operating income to assets | 0.9502% | 2,532 |
| Return on assets (ROA) | 0.9502% | 2,699 |
| Pretax return on assets | 1.0096% | 3,365 |
| Return on Equity (ROE) | 6.0390% | 4,007 |
| Retained earnings to average equity (ytd only) | 3.7908% | 4,037 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4983% | 3,457 |
| Assets per employee ($millions) | 3.9998% | 3,843 |
| Cash dividends to net income (ytd only)* | 37.2282% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0593% | 2,179 |
| Loan loss allowance to noncurrent loans | 64.0745% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.7559% | 3,464 |
| Noncurrent loans to loans | 3.2139% | 2,163 |
| Net loans and leases to total assets | 53.5089% | 5,241 |
| Net loans and leases to deposits | 63.8494% | 5,189 |
| Net loans and leases to core deposits | 65.9704% | 5,418 |
| Total domestic deposits to total assets | 83.8048% | 4,321 |
| Equity capital to assets | 15.9048% | 645 |
| Core capital (leverage) ratio | 15.7265% | 542 |
| Tier 1 risk-based capital ratio | 23.2039% | 1,122 |
| Total risk-based capital ratio | 24.4585% | 1,103 |
| Memoranda: | ||
| Average total assets | $51,635,250 | 6,373 |
| Average earning assets | $49,156,500 | 6,279 |
| Average equity | $8,124,750 | 5,559 |
| Average total loans | $28,442,250 | 6,283 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5921% | 4,996 |
| Cost of funding earning assets | 0.7613% | 5,619 |
| Net interest margin | 3.8308% | 3,641 |
| Noninterest income to average assets | 0.1009% | 6,817 |
| Noninterest expense to average assets | 2.7526% | 4,620 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9124% | 2,589 |
| Return on assets (ROA) | 0.9124% | 2,690 |
| Pretax return on assets | 1.0017% | 3,234 |
| Return on Equity (ROE) | 5.8195% | 4,052 |
| Retained earnings to average equity (ytd only) | 3.2688% | 4,184 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3195% | 3,495 |
| Assets per employee ($millions) | 3.7050% | 4,431 |
| Cash dividends to net income (ytd only)* | 43.8298% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9642% | 2,470 |
| Loan loss allowance to noncurrent loans | 64.5598% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.7081% | 3,633 |
| Noncurrent loans to loans | 3.0425% | 2,381 |
| Net loans and leases to total assets | 55.0395% | 5,141 |
| Net loans and leases to deposits | 65.5214% | 5,067 |
| Net loans and leases to core deposits | 67.2945% | 5,359 |
| Total domestic deposits to total assets | 84.0023% | 4,350 |
| Equity capital to assets | 15.7239% | 653 |
| Core capital (leverage) ratio | 15.6312% | 553 |
| Tier 1 risk-based capital ratio | 22.4305% | 1,196 |
| Total risk-based capital ratio | 23.6857% | 1,169 |
| Memoranda: | ||
| Average total assets | $51,514,670 | 6,430 |
| Average earning assets | $49,128,000 | 6,334 |
| Average equity | $8,076,330 | 5,590 |
| Average total loans | $28,453,670 | 6,346 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6341% | 4,805 |
| Cost of funding earning assets | 0.7751% | 5,712 |
| Net interest margin | 3.8591% | 3,344 |
| Noninterest income to average assets | 0.0935% | 6,952 |
| Noninterest expense to average assets | 2.7582% | 4,610 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9038% | 2,545 |
| Return on assets (ROA) | 0.9038% | 2,608 |
| Pretax return on assets | 1.0207% | 3,055 |
| Return on Equity (ROE) | 5.7737% | 4,030 |
| Retained earnings to average equity (ytd only) | 5.7737% | 2,764 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9897% | 3,686 |
| Assets per employee ($millions) | 3.6505% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0615% | 2,266 |
| Loan loss allowance to noncurrent loans | 283.1683% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 6,217 |
| Noncurrent loans to loans | 0.7280% | 5,553 |
| Net loans and leases to total assets | 53.1728% | 5,426 |
| Net loans and leases to deposits | 63.2344% | 5,356 |
| Net loans and leases to core deposits | 64.9684% | 5,627 |
| Total domestic deposits to total assets | 84.0883% | 4,458 |
| Equity capital to assets | 15.6691% | 635 |
| Core capital (leverage) ratio | 16.0024% | 502 |
| Tier 1 risk-based capital ratio | 23.3709% | 1,044 |
| Total risk-based capital ratio | 24.6265% | 1,030 |
| Memoranda: | ||
| Average total assets | $51,337,000 | 6,484 |
| Average earning assets | $49,027,500 | 6,379 |
| Average equity | $8,036,500 | 5,594 |
| Average total loans | $28,120,000 | 6,413 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7596% | 5,582 |
| Cost of funding earning assets | 1.0758% | 5,279 |
| Net interest margin | 3.6837% | 4,426 |
| Noninterest income to average assets | 0.1132% | 6,834 |
| Noninterest expense to average assets | 2.6669% | 5,140 |
| Loan and lease loss provision to assets | 0.0273% | 6,853 |
| Net operating income to assets | 0.8454% | 2,611 |
| Return on assets (ROA) | 0.8454% | 2,747 |
| Pretax return on assets | 0.8551% | 3,459 |
| Return on Equity (ROE) | 5.4449% | 3,868 |
| Retained earnings to average equity (ytd only) | 3.5084% | 3,407 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1375% | 3,179 |
| Assets per employee ($millions) | 3.9667% | 3,856 |
| Cash dividends to net income (ytd only)* | 35.5658% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0075% | 2,279 |
| Loan loss allowance to noncurrent loans | 280.3922% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3956% | 6,282 |
| Noncurrent loans to loans | 0.7160% | 5,615 |
| Net loans and leases to total assets | 54.1451% | 5,612 |
| Net loans and leases to deposits | 64.4038% | 5,580 |
| Net loans and leases to core deposits | 66.1541% | 5,860 |
| Total domestic deposits to total assets | 84.0712% | 4,331 |
| Equity capital to assets | 15.6398% | 654 |
| Core capital (leverage) ratio | 15.3566% | 607 |
| Tier 1 risk-based capital ratio | 22.5719% | 1,095 |
| Total risk-based capital ratio | 23.8275% | 1,078 |
| Memoranda: | ||
| Average total assets | $51,220,400 | 6,489 |
| Average earning assets | $47,777,600 | 6,445 |
| Average equity | $7,952,400 | 5,728 |
| Average total loans | $26,153,400 | 6,603 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7737% | 5,767 |
| Cost of funding earning assets | 1.1365% | 5,217 |
| Net interest margin | 3.6373% | 4,692 |
| Noninterest income to average assets | 0.1147% | 6,973 |
| Noninterest expense to average assets | 2.6727% | 4,993 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8031% | 2,987 |
| Return on assets (ROA) | 0.8031% | 3,139 |
| Pretax return on assets | 0.8135% | 3,854 |
| Return on Equity (ROE) | 5.1823% | 4,208 |
| Retained earnings to average equity (ytd only) | 3.4324% | 4,039 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6642% | 2,820 |
| Assets per employee ($millions) | 3.9912% | 3,855 |
| Cash dividends to net income (ytd only)* | 33.7652% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9896% | 2,250 |
| Loan loss allowance to noncurrent loans | 269.5652% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 6,419 |
| Noncurrent loans to loans | 0.7381% | 5,729 |
| Net loans and leases to total assets | 52.9777% | 5,985 |
| Net loans and leases to deposits | 62.9160% | 6,030 |
| Net loans and leases to core deposits | 64.1868% | 6,288 |
| Total domestic deposits to total assets | 84.2038% | 4,007 |
| Equity capital to assets | 15.4473% | 779 |
| Core capital (leverage) ratio | 15.4022% | 647 |
| Tier 1 risk-based capital ratio | 22.6680% | 1,112 |
| Total risk-based capital ratio | 23.9235% | 1,082 |
| Memoranda: | ||
| Average total assets | $51,133,750 | 6,568 |
| Average earning assets | $47,397,000 | 6,538 |
| Average equity | $7,924,250 | 5,814 |
| Average total loans | $25,568,500 | 6,722 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8003% | 5,798 |
| Cost of funding earning assets | 1.1958% | 5,152 |
| Net interest margin | 3.6045% | 4,792 |
| Noninterest income to average assets | 0.1179% | 7,013 |
| Noninterest expense to average assets | 2.6807% | 4,992 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7507% | 3,196 |
| Return on assets (ROA) | 0.7507% | 3,347 |
| Pretax return on assets | 0.7665% | 3,996 |
| Return on Equity (ROE) | 4.8391% | 4,363 |
| Retained earnings to average equity (ytd only) | 3.1416% | 4,113 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7651% | 2,768 |
| Assets per employee ($millions) | 3.9446% | 3,872 |
| Cash dividends to net income (ytd only)* | 35.0785% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2558% | 1,658 |
| Loan loss allowance to noncurrent loans | 266.9856% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.4076% | 6,428 |
| Noncurrent loans to loans | 0.8449% | 5,583 |
| Net loans and leases to total assets | 47.1490% | 6,696 |
| Net loans and leases to deposits | 56.1118% | 6,721 |
| Net loans and leases to core deposits | 57.2613% | 6,872 |
| Total domestic deposits to total assets | 84.0269% | 4,097 |
| Equity capital to assets | 15.6318% | 738 |
| Core capital (leverage) ratio | 15.4727% | 637 |
| Tier 1 risk-based capital ratio | 24.2394% | 918 |
| Total risk-based capital ratio | 25.4939% | 896 |
| Memoranda: | ||
| Average total assets | $50,883,000 | 6,620 |
| Average earning assets | $46,997,000 | 6,589 |
| Average equity | $7,894,000 | 5,839 |
| Average total loans | $24,742,670 | 6,824 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8239% | 5,793 |
| Cost of funding earning assets | 1.2717% | 4,987 |
| Net interest margin | 3.5522% | 4,940 |
| Noninterest income to average assets | 0.1263% | 7,048 |
| Noninterest expense to average assets | 2.7148% | 4,836 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7103% | 3,391 |
| Return on assets (ROA) | 0.7103% | 3,500 |
| Pretax return on assets | 0.7182% | 4,173 |
| Return on Equity (ROE) | 4.5959% | 4,597 |
| Retained earnings to average equity (ytd only) | 4.5959% | 3,388 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0805% | 2,709 |
| Assets per employee ($millions) | 3.9598% | 3,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2411% | 1,676 |
| Loan loss allowance to noncurrent loans | 264.4550% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.4099% | 6,449 |
| Noncurrent loans to loans | 0.8474% | 5,622 |
| Net loans and leases to total assets | 47.2852% | 6,733 |
| Net loans and leases to deposits | 56.2083% | 6,759 |
| Net loans and leases to core deposits | 57.3472% | 6,916 |
| Total domestic deposits to total assets | 84.1249% | 4,089 |
| Equity capital to assets | 15.4865% | 768 |
| Core capital (leverage) ratio | 15.6004% | 642 |
| Tier 1 risk-based capital ratio | 24.0886% | 957 |
| Total risk-based capital ratio | 25.3438% | 937 |
| Memoranda: | ||
| Average total assets | $50,684,500 | 6,710 |
| Average earning assets | $47,182,000 | 6,658 |
| Average equity | $7,833,000 | 5,901 |
| Average total loans | $24,746,000 | 6,896 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0186% | 6,373 |
| Cost of funding earning assets | 1.7080% | 4,459 |
| Net interest margin | 3.3106% | 5,702 |
| Noninterest income to average assets | 0.1229% | 7,139 |
| Noninterest expense to average assets | 2.7555% | 5,146 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4374% | 3,979 |
| Return on assets (ROA) | 0.4374% | 4,099 |
| Pretax return on assets | 0.4436% | 4,369 |
| Return on Equity (ROE) | 2.7176% | 4,620 |
| Retained earnings to average equity (ytd only) | 2.2129% | 3,561 |
| Net charge-offs to loans | 0.3772% | 4,318 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 2.4767% | 3,884 |
| Efficiency ratio | 86.1328% | 2,098 |
| Assets per employee ($millions) | 3.8378% | 4,188 |
| Cash dividends to net income (ytd only)* | 18.5714% | 3,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2689% | 1,538 |
| Loan loss allowance to noncurrent loans | 261.9718% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4269% | 6,397 |
| Noncurrent loans to loans | 0.8661% | 5,564 |
| Net loans and leases to total assets | 48.1741% | 6,796 |
| Net loans and leases to deposits | 57.2085% | 6,833 |
| Net loans and leases to core deposits | 104.6365% | 3,500 |
| Total domestic deposits to total assets | 84.2079% | 3,938 |
| Equity capital to assets | 15.4213% | 813 |
| Core capital (leverage) ratio | 15.9450% | 623 |
| Tier 1 risk-based capital ratio | 24.3205% | 920 |
| Total risk-based capital ratio | 25.5774% | 894 |
| Memoranda: | ||
| Average total assets | $48,012,400 | 6,787 |
| Average earning assets | $44,614,000 | 6,737 |
| Average equity | $7,727,400 | 6,016 |
| Average total loans | $22,800,000 | 7,039 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0288% | 6,515 |
| Cost of funding earning assets | 1.8050% | 4,364 |
| Net interest margin | 3.2237% | 5,938 |
| Noninterest income to average assets | 0.1234% | 7,272 |
| Noninterest expense to average assets | 2.6923% | 5,359 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4207% | 4,316 |
| Return on assets (ROA) | 0.4207% | 4,421 |
| Pretax return on assets | 0.4263% | 4,725 |
| Return on Equity (ROE) | 2.5854% | 4,955 |
| Retained earnings to average equity (ytd only) | 1.9132% | 4,257 |
| Net charge-offs to loans | 0.5130% | 3,161 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 1.7675% | 4,469 |
| Efficiency ratio | 86.3309% | 2,025 |
| Assets per employee ($millions) | 3.6844% | 4,463 |
| Cash dividends to net income (ytd only)* | 26.0000% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2674% | 1,333 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 50.2161% | 6,765 |
| Net loans and leases to deposits | 60.3518% | 6,805 |
| Net loans and leases to core deposits | 100.7709% | 4,284 |
| Total domestic deposits to total assets | 83.2056% | 4,111 |
| Equity capital to assets | 16.3016% | 743 |
| Core capital (leverage) ratio | 16.0089% | 672 |
| Tier 1 risk-based capital ratio | 24.4468% | 954 |
| Total risk-based capital ratio | 25.7044% | 936 |
| Memoranda: | ||
| Average total assets | $47,542,500 | 6,853 |
| Average earning assets | $44,171,250 | 6,809 |
| Average equity | $7,735,750 | 6,071 |
| Average total loans | $22,351,750 | 7,133 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0125% | 6,725 |
| Cost of funding earning assets | 1.8882% | 4,327 |
| Net interest margin | 3.1243% | 6,168 |
| Noninterest income to average assets | 0.1223% | 7,368 |
| Noninterest expense to average assets | 2.6484% | 5,565 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3753% | 4,599 |
| Return on assets (ROA) | 0.3753% | 4,702 |
| Pretax return on assets | 0.3838% | 4,981 |
| Return on Equity (ROE) | 2.3082% | 5,178 |
| Retained earnings to average equity (ytd only) | 1.2967% | 4,615 |
| Net charge-offs to loans | 0.7963% | 2,089 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.0581% | 4,727 |
| Efficiency ratio | 87.3435% | 2,090 |
| Assets per employee ($millions) | 3.3277% | 5,246 |
| Cash dividends to net income (ytd only)* | 43.8202% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3722% | 1,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 49.2917% | 6,933 |
| Net loans and leases to deposits | 59.3370% | 6,942 |
| Net loans and leases to core deposits | 101.5298% | 4,339 |
| Total domestic deposits to total assets | 83.0707% | 4,206 |
| Equity capital to assets | 16.3840% | 775 |
| Core capital (leverage) ratio | 16.2897% | 703 |
| Tier 1 risk-based capital ratio | 25.1602% | 927 |
| Total risk-based capital ratio | 26.2400% | 924 |
| Memoranda: | ||
| Average total assets | $47,424,330 | 6,926 |
| Average earning assets | $44,169,330 | 6,875 |
| Average equity | $7,711,670 | 6,118 |
| Average total loans | $21,599,000 | 7,234 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1523% | 6,480 |
| Cost of funding earning assets | 2.0286% | 3,994 |
| Net interest margin | 3.1237% | 6,131 |
| Noninterest income to average assets | 0.1254% | 7,398 |
| Noninterest expense to average assets | 2.6336% | 5,307 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3846% | 4,923 |
| Return on assets (ROA) | 0.3846% | 5,105 |
| Pretax return on assets | 0.4013% | 5,392 |
| Return on Equity (ROE) | 2.3739% | 5,633 |
| Retained earnings to average equity (ytd only) | 2.3739% | 4,554 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7769% | 1,985 |
| Assets per employee ($millions) | 3.3374% | 5,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0258% | 467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 44.2437% | 7,316 |
| Net loans and leases to deposits | 53.4533% | 7,321 |
| Net loans and leases to core deposits | 87.7084% | 5,767 |
| Total domestic deposits to total assets | 82.7708% | 4,260 |
| Equity capital to assets | 16.7412% | 754 |
| Core capital (leverage) ratio | 15.8638% | 801 |
| Tier 1 risk-based capital ratio | 27.0057% | 822 |
| Total risk-based capital ratio | 28.2649% | 798 |
| Memoranda: | ||
| Average total assets | $47,842,500 | 6,950 |
| Average earning assets | $44,563,000 | 6,896 |
| Average equity | $7,751,000 | 6,141 |
| Average total loans | $20,637,500 | 7,325 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3423% | 7,548 |
| Cost of funding earning assets | 2.6945% | 3,180 |
| Net interest margin | 2.6477% | 7,584 |
| Noninterest income to average assets | 0.1488% | 7,352 |
| Noninterest expense to average assets | 2.5024% | 5,994 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1216% | 6,052 |
| Return on assets (ROA) | 0.2745% | 5,446 |
| Pretax return on assets | 0.2892% | 5,533 |
| Return on Equity (ROE) | 1.7454% | 5,693 |
| Retained earnings to average equity (ytd only) | 1.4256% | 4,366 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8372% | 1,230 |
| Assets per employee ($millions) | 3.7663% | 4,031 |
| Cash dividends to net income (ytd only)* | 18.3206% | 4,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2318% | 356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 39.4449% | 7,696 |
| Net loans and leases to deposits | 47.1095% | 7,750 |
| Net loans and leases to core deposits | 78.4157% | 6,729 |
| Total domestic deposits to total assets | 83.7302% | 3,469 |
| Equity capital to assets | 15.6856% | 999 |
| Core capital (leverage) ratio | 16.0391% | 816 |
| Tier 1 risk-based capital ratio | 27.3368% | 806 |
| Total risk-based capital ratio | 28.5611% | 782 |
| Memoranda: | ||
| Average total assets | $47,714,800 | 6,871 |
| Average earning assets | $44,868,600 | 6,819 |
| Average equity | $7,505,600 | 6,277 |
| Average total loans | $19,277,200 | 7,379 |