Home > Bank of Lindsay > Performance and Condition Ratios
Bank of Lindsay, 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 | 5.5835% | 1,051 |
| Cost of funding earning assets | 2.0974% | 787 |
| Net interest margin | 3.4860% | 2,217 |
| Noninterest income to average assets | 1.5100% | 383 |
| Noninterest expense to average assets | 3.7847% | 433 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6055% | 3,433 |
| Return on assets (ROA) | 0.6055% | 3,420 |
| Pretax return on assets | 0.7783% | 3,259 |
| Return on Equity (ROE) | 5.9700% | 3,526 |
| Retained earnings to average equity (ytd only) | 3.6834% | 3,062 |
| 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 | 82.9436% | 723 |
| Assets per employee ($millions) | 5.9851% | 2,835 |
| Cash dividends to net income (ytd only)* | 38.3142% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9725% | 3,446 |
| 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 | 81.8700% | 446 |
| Net loans and leases to deposits | 122.7360% | 69 |
| Net loans and leases to core deposits | 168.1861% | 124 |
| Total domestic deposits to total assets | 66.7100% | 4,364 |
| Equity capital to assets | 9.2667% | 2,502 |
| Core capital (leverage) ratio | 10.3947% | 2,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6083% | 2,688 |
| Memoranda: | ||
| Average total assets | $86,215,000 | 3,960 |
| Average earning assets | $75,616,000 | 3,973 |
| Average equity | $8,742,000 | 3,849 |
| Average total loans | $71,253,000 | 3,531 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3552% | 1,203 |
| Cost of funding earning assets | 1.7627% | 1,076 |
| Net interest margin | 3.5925% | 2,028 |
| Noninterest income to average assets | 0.9000% | 762 |
| Noninterest expense to average assets | 2.9536% | 1,135 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8509% | 2,855 |
| Return on assets (ROA) | 0.8509% | 2,838 |
| Pretax return on assets | 1.1038% | 2,557 |
| Return on Equity (ROE) | 8.1900% | 3,128 |
| Retained earnings to average equity (ytd only) | 5.1287% | 2,892 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.7950% | 1,474 |
| Assets per employee ($millions) | 5.7428% | 2,973 |
| Cash dividends to net income (ytd only)* | 37.3832% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 3,158 |
| 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 | 79.8200% | 669 |
| Net loans and leases to deposits | 118.8546% | 87 |
| Net loans and leases to core deposits | 168.5643% | 76 |
| Total domestic deposits to total assets | 67.1600% | 4,385 |
| Equity capital to assets | 9.5456% | 2,070 |
| Core capital (leverage) ratio | 11.7968% | 1,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4745% | 2,456 |
| Memoranda: | ||
| Average total assets | $83,828,250 | 3,997 |
| Average earning assets | $73,595,750 | 4,010 |
| Average equity | $8,709,000 | 3,859 |
| Average total loans | $69,272,500 | 3,572 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4183% | 937 |
| Cost of funding earning assets | 1.6811% | 911 |
| Net interest margin | 3.7372% | 1,741 |
| Noninterest income to average assets | 0.9200% | 658 |
| Noninterest expense to average assets | 2.9282% | 1,158 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9736% | 2,510 |
| Return on assets (ROA) | 0.9736% | 2,500 |
| Pretax return on assets | 1.2620% | 2,184 |
| Return on Equity (ROE) | 9.0900% | 2,965 |
| Retained earnings to average equity (ytd only) | 4.4888% | 3,084 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.8824% | 1,769 |
| Assets per employee ($millions) | 4.5375% | 3,924 |
| Cash dividends to net income (ytd only)* | 50.6329% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 2,508 |
| 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 | 83.1700% | 318 |
| Net loans and leases to deposits | 113.7820% | 152 |
| Net loans and leases to core deposits | 134.9630% | 262 |
| Total domestic deposits to total assets | 73.1000% | 4,249 |
| Equity capital to assets | 11.3342% | 1,258 |
| Core capital (leverage) ratio | 11.9746% | 1,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8433% | 1,962 |
| Memoranda: | ||
| Average total assets | $81,142,667 | 4,036 |
| Average earning assets | $70,908,000 | 4,065 |
| Average equity | $8,688,333 | 3,880 |
| Average total loans | $67,658,667 | 3,601 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2459% | 895 |
| Cost of funding earning assets | 1.5232% | 803 |
| Net interest margin | 3.7227% | 1,844 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 3.0934% | 949 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8178% | 3,141 |
| Return on assets (ROA) | 0.8178% | 3,089 |
| Pretax return on assets | 1.0680% | 2,804 |
| Return on Equity (ROE) | 7.8500% | 3,327 |
| Retained earnings to average equity (ytd only) | -1.3855% | 4,159 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.3353% | 1,308 |
| Assets per employee ($millions) | 4.7840% | 3,811 |
| Cash dividends to net income (ytd only)* | 117.6471% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2161% | 2,473 |
| Loan loss allowance to noncurrent loans | 38,500.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 3,891 |
| Noncurrent loans to loans | 0.0032% | 3,833 |
| Net loans and leases to total assets | 81.7100% | 396 |
| Net loans and leases to deposits | 108.8004% | 206 |
| Net loans and leases to core deposits | 125.8248% | 329 |
| Total domestic deposits to total assets | 75.1000% | 4,215 |
| Equity capital to assets | 11.1400% | 1,289 |
| Core capital (leverage) ratio | 11.0797% | 1,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0381% | 1,962 |
| Memoranda: | ||
| Average total assets | $83,145,000 | 4,070 |
| Average earning assets | $72,742,000 | 4,098 |
| Average equity | $8,661,000 | 3,929 |
| Average total loans | $69,025,000 | 3,623 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2138% | 1,215 |
| Cost of funding earning assets | 0.8136% | 369 |
| Net interest margin | 3.4002% | 2,257 |
| Noninterest income to average assets | 1.7600% | 290 |
| Noninterest expense to average assets | 4.0585% | 322 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6256% | 3,816 |
| Return on assets (ROA) | 0.6256% | 3,769 |
| Pretax return on assets | 0.6940% | 3,857 |
| Return on Equity (ROE) | 5.9900% | 3,827 |
| Retained earnings to average equity (ytd only) | 3.9807% | 3,403 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 85.3967% | 441 |
| Assets per employee ($millions) | 5.6091% | 3,115 |
| Cash dividends to net income (ytd only)* | 33.5893% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6195% | 4,318 |
| Loan loss allowance to noncurrent loans | 23,150.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 3,925 |
| Noncurrent loans to loans | 0.0027% | 3,865 |
| Net loans and leases to total assets | 82.7600% | 348 |
| Net loans and leases to deposits | 119.6989% | 70 |
| Net loans and leases to core deposits | 164.0718% | 60 |
| Total domestic deposits to total assets | 69.1400% | 4,488 |
| Equity capital to assets | 9.7999% | 1,826 |
| Core capital (leverage) ratio | 11.1488% | 1,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8478% | 2,773 |
| Memoranda: | ||
| Average total assets | $83,281,600 | 4,088 |
| Average earning assets | $73,378,400 | 4,117 |
| Average equity | $8,692,000 | 4,025 |
| Average total loans | $69,502,200 | 3,587 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9226% | 1,430 |
| Cost of funding earning assets | 0.6276% | 380 |
| Net interest margin | 3.2950% | 2,311 |
| Noninterest income to average assets | 0.9600% | 728 |
| Noninterest expense to average assets | 3.0547% | 842 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6286% | 3,754 |
| Return on assets (ROA) | 0.6286% | 3,707 |
| Pretax return on assets | 0.8245% | 3,518 |
| Return on Equity (ROE) | 5.9200% | 3,812 |
| Retained earnings to average equity (ytd only) | 3.2308% | 3,719 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.7458% | 855 |
| Assets per employee ($millions) | 4.9681% | 3,698 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6908% | 4,265 |
| Loan loss allowance to noncurrent loans | 15,433.3333% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 3,983 |
| Noncurrent loans to loans | 0.0045% | 3,929 |
| Net loans and leases to total assets | 83.7400% | 266 |
| Net loans and leases to deposits | 123.8105% | 42 |
| Net loans and leases to core deposits | 148.7940% | 69 |
| Total domestic deposits to total assets | 67.6300% | 4,569 |
| Equity capital to assets | 10.8492% | 1,230 |
| Core capital (leverage) ratio | 11.8192% | 1,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0970% | 2,432 |
| Memoranda: | ||
| Average total assets | $81,665,500 | 4,137 |
| Average earning assets | $72,228,750 | 4,160 |
| Average equity | $8,666,250 | 4,070 |
| Average total loans | $68,194,000 | 3,618 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7071% | 1,520 |
| Cost of funding earning assets | 0.5885% | 304 |
| Net interest margin | 3.1186% | 2,476 |
| Noninterest income to average assets | 0.9783% | 705 |
| Noninterest expense to average assets | 3.0513% | 791 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4928% | 3,912 |
| Return on assets (ROA) | 0.4928% | 3,862 |
| Pretax return on assets | 0.6797% | 3,628 |
| Return on Equity (ROE) | 4.6772% | 3,876 |
| Retained earnings to average equity (ytd only) | 0.6451% | 4,067 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7827% | 820 |
| Assets per employee ($millions) | 4.8492% | 3,813 |
| Cash dividends to net income (ytd only)* | 86.2069% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7214% | 4,300 |
| Loan loss allowance to noncurrent loans | 15,433.3333% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 4,023 |
| Noncurrent loans to loans | 0.0047% | 3,962 |
| Net loans and leases to total assets | 82.1246% | 281 |
| Net loans and leases to deposits | 110.7292% | 88 |
| Net loans and leases to core deposits | 131.3178% | 116 |
| Total domestic deposits to total assets | 74.1671% | 4,527 |
| Equity capital to assets | 10.9632% | 1,227 |
| Core capital (leverage) ratio | 11.3319% | 1,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3393% | 2,364 |
| Memoranda: | ||
| Average total assets | $82,390,667 | 4,172 |
| Average earning assets | $72,726,000 | 4,214 |
| Average equity | $8,680,333 | 4,131 |
| Average total loans | $68,583,333 | 3,640 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5119% | 1,773 |
| Cost of funding earning assets | 0.5649% | 335 |
| Net interest margin | 2.9470% | 2,681 |
| Noninterest income to average assets | 0.8161% | 1,004 |
| Noninterest expense to average assets | 2.8823% | 989 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4010% | 3,950 |
| Return on assets (ROA) | 0.4010% | 3,914 |
| Pretax return on assets | 0.5425% | 3,779 |
| Return on Equity (ROE) | 3.8780% | 3,907 |
| Retained earnings to average equity (ytd only) | -4.1061% | 4,382 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1598% | 836 |
| Assets per employee ($millions) | 4.7654% | 3,953 |
| Cash dividends to net income (ytd only)* | 205.8824% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6963% | 4,388 |
| Loan loss allowance to noncurrent loans | 11,575.0000% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 4,037 |
| Noncurrent loans to loans | 0.0060% | 3,989 |
| Net loans and leases to total assets | 81.5114% | 178 |
| Net loans and leases to deposits | 107.9763% | 79 |
| Net loans and leases to core deposits | 126.3422% | 111 |
| Total domestic deposits to total assets | 75.4901% | 4,522 |
| Equity capital to assets | 10.6503% | 1,521 |
| Core capital (leverage) ratio | 10.5564% | 1,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7391% | 2,701 |
| Memoranda: | ||
| Average total assets | $84,792,500 | 4,161 |
| Average earning assets | $75,059,500 | 4,201 |
| Average equity | $8,767,500 | 4,177 |
| Average total loans | $70,784,500 | 3,604 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3936% | 724 |
| Cost of funding earning assets | 0.6283% | 472 |
| Net interest margin | 3.7653% | 1,074 |
| Noninterest income to average assets | 1.5020% | 497 |
| Noninterest expense to average assets | 4.2312% | 246 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4673% | 4,148 |
| Return on assets (ROA) | 0.4673% | 4,195 |
| Pretax return on assets | 0.6021% | 4,105 |
| Return on Equity (ROE) | 4.1008% | 4,199 |
| Retained earnings to average equity (ytd only) | 3.5375% | 3,406 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5432% | 408 |
| Assets per employee ($millions) | 5.2102% | 3,551 |
| Cash dividends to net income (ytd only)* | 13.7363% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6167% | 4,535 |
| Loan loss allowance to noncurrent loans | 11,575.0000% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 4,128 |
| Noncurrent loans to loans | 0.0053% | 4,070 |
| Net loans and leases to total assets | 84.2345% | 102 |
| Net loans and leases to deposits | 121.4834% | 35 |
| Net loans and leases to core deposits | 162.6425% | 41 |
| Total domestic deposits to total assets | 69.3383% | 4,697 |
| Equity capital to assets | 10.0561% | 2,603 |
| Core capital (leverage) ratio | 11.1602% | 1,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4881% | 2,988 |
| Memoranda: | ||
| Average total assets | $77,897,400 | 4,245 |
| Average earning assets | $68,918,200 | 4,278 |
| Average equity | $8,876,400 | 4,254 |
| Average total loans | $65,004,000 | 3,745 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5426% | 2,713 |
| Cost of funding earning assets | 0.6707% | 449 |
| Net interest margin | 2.8720% | 3,612 |
| Noninterest income to average assets | 2.0914% | 323 |
| Noninterest expense to average assets | 3.4862% | 465 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8844% | 3,295 |
| Return on assets (ROA) | 0.8844% | 3,368 |
| Pretax return on assets | 1.1325% | 3,129 |
| Return on Equity (ROE) | 7.5018% | 3,529 |
| Retained earnings to average equity (ytd only) | 6.7501% | 2,518 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4797% | 1,077 |
| Assets per employee ($millions) | 4.4951% | 4,124 |
| Cash dividends to net income (ytd only)* | 10.0200% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7321% | 4,445 |
| Loan loss allowance to noncurrent loans | 5,787.5000% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 4,161 |
| Noncurrent loans to loans | 0.0126% | 4,110 |
| Net loans and leases to total assets | 82.1571% | 180 |
| Net loans and leases to deposits | 118.5058% | 44 |
| Net loans and leases to core deposits | 150.5925% | 59 |
| Total domestic deposits to total assets | 69.3275% | 4,751 |
| Equity capital to assets | 11.8953% | 1,446 |
| Core capital (leverage) ratio | 12.4703% | 993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7893% | 2,434 |
| Memoranda: | ||
| Average total assets | $75,228,500 | 4,331 |
| Average earning assets | $66,201,500 | 4,364 |
| Average equity | $8,868,750 | 4,318 |
| Average total loans | $62,487,000 | 3,829 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5681% | 2,725 |
| Cost of funding earning assets | 0.7112% | 440 |
| Net interest margin | 2.8569% | 3,663 |
| Noninterest income to average assets | 2.4668% | 252 |
| Noninterest expense to average assets | 3.7016% | 366 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9728% | 2,989 |
| Return on assets (ROA) | 0.9728% | 3,070 |
| Pretax return on assets | 1.2668% | 2,720 |
| Return on Equity (ROE) | 8.2774% | 3,323 |
| Retained earnings to average equity (ytd only) | 7.1404% | 2,377 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5024% | 1,206 |
| Assets per employee ($millions) | 3.9811% | 4,458 |
| Cash dividends to net income (ytd only)* | 13.7363% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7899% | 4,375 |
| Loan loss allowance to noncurrent loans | 4,209.0909% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 4,185 |
| Noncurrent loans to loans | 0.0188% | 4,127 |
| Net loans and leases to total assets | 81.1541% | 255 |
| Net loans and leases to deposits | 109.1191% | 120 |
| Net loans and leases to core deposits | 130.0658% | 126 |
| Total domestic deposits to total assets | 74.3720% | 4,641 |
| Equity capital to assets | 12.5105% | 1,128 |
| Core capital (leverage) ratio | 12.1344% | 1,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7038% | 2,086 |
| Memoranda: | ||
| Average total assets | $74,832,333 | 4,360 |
| Average earning assets | $65,524,667 | 4,400 |
| Average equity | $8,795,000 | 4,346 |
| Average total loans | $62,234,333 | 3,858 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5237% | 2,848 |
| Cost of funding earning assets | 0.7864% | 386 |
| Net interest margin | 2.7373% | 3,888 |
| Noninterest income to average assets | 2.9260% | 207 |
| Noninterest expense to average assets | 4.2189% | 244 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8323% | 3,324 |
| Return on assets (ROA) | 0.8323% | 3,404 |
| Pretax return on assets | 1.0940% | 3,129 |
| Return on Equity (ROE) | 7.3020% | 3,523 |
| Retained earnings to average equity (ytd only) | 5.0057% | 3,220 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4089% | 856 |
| Assets per employee ($millions) | 4.6748% | 3,954 |
| Cash dividends to net income (ytd only)* | 31.4465% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7192% | 4,543 |
| Loan loss allowance to noncurrent loans | 4,630.0000% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 4,285 |
| Noncurrent loans to loans | 0.0155% | 4,223 |
| Net loans and leases to total assets | 85.4526% | 102 |
| Net loans and leases to deposits | 110.9884% | 127 |
| Net loans and leases to core deposits | 129.3846% | 145 |
| Total domestic deposits to total assets | 76.9924% | 4,516 |
| Equity capital to assets | 11.7130% | 1,431 |
| Core capital (leverage) ratio | 11.2319% | 1,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0685% | 2,263 |
| Memoranda: | ||
| Average total assets | $76,418,500 | 4,360 |
| Average earning assets | $66,635,000 | 4,402 |
| Average equity | $8,710,000 | 4,367 |
| Average total loans | $64,042,500 | 3,844 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2166% | 2,087 |
| Cost of funding earning assets | 1.1806% | 301 |
| Net interest margin | 3.0360% | 3,808 |
| Noninterest income to average assets | 1.5660% | 500 |
| Noninterest expense to average assets | 3.7985% | 460 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2315% | 4,531 |
| Return on assets (ROA) | 0.2315% | 4,592 |
| Pretax return on assets | 0.4034% | 4,414 |
| Return on Equity (ROE) | 2.0280% | 4,559 |
| Retained earnings to average equity (ytd only) | 0.2781% | 4,434 |
| Net charge-offs to loans | 0.0987% | 1,485 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 4.9194% | 2,924 |
| Efficiency ratio | 90.3997% | 366 |
| Assets per employee ($millions) | 5.2027% | 3,152 |
| Cash dividends to net income (ytd only)* | 86.2857% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7268% | 4,545 |
| Loan loss allowance to noncurrent loans | 3,858.3333% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 4,331 |
| Noncurrent loans to loans | 0.0188% | 4,269 |
| Net loans and leases to total assets | 81.0392% | 365 |
| Net loans and leases to deposits | 113.1360% | 126 |
| Net loans and leases to core deposits | 146.0847% | 100 |
| Total domestic deposits to total assets | 71.6299% | 4,728 |
| Equity capital to assets | 11.0956% | 2,176 |
| Core capital (leverage) ratio | 11.8263% | 1,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9594% | 2,639 |
| Memoranda: | ||
| Average total assets | $75,609,000 | 4,301 |
| Average earning assets | $65,645,400 | 4,361 |
| Average equity | $8,629,400 | 4,356 |
| Average total loans | $62,813,800 | 3,871 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3570% | 1,959 |
| Cost of funding earning assets | 1.2731% | 278 |
| Net interest margin | 3.0839% | 3,773 |
| Noninterest income to average assets | 1.1004% | 858 |
| Noninterest expense to average assets | 3.1341% | 1,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5066% | 4,008 |
| Return on assets (ROA) | 0.5066% | 4,105 |
| Pretax return on assets | 0.6578% | 3,986 |
| Return on Equity (ROE) | 4.4072% | 4,060 |
| Retained earnings to average equity (ytd only) | 2.0722% | 3,910 |
| Net charge-offs to loans | 0.1321% | 1,089 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 5.9677% | 2,689 |
| Efficiency ratio | 82.6535% | 702 |
| Assets per employee ($millions) | 4.8358% | 3,447 |
| Cash dividends to net income (ytd only)* | 52.9825% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7509% | 4,481 |
| Loan loss allowance to noncurrent loans | 3,561.5385% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 4,389 |
| Noncurrent loans to loans | 0.0211% | 4,327 |
| Net loans and leases to total assets | 84.3666% | 246 |
| Net loans and leases to deposits | 121.6930% | 100 |
| Net loans and leases to core deposits | 162.3952% | 74 |
| Total domestic deposits to total assets | 69.3274% | 4,780 |
| Equity capital to assets | 12.0876% | 1,629 |
| Core capital (leverage) ratio | 12.1273% | 1,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2105% | 2,101 |
| Memoranda: | ||
| Average total assets | $75,001,250 | 4,315 |
| Average earning assets | $65,456,000 | 4,374 |
| Average equity | $8,622,000 | 4,375 |
| Average total loans | $62,590,750 | 3,891 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5820% | 1,690 |
| Cost of funding earning assets | 1.3952% | 232 |
| Net interest margin | 3.1868% | 3,706 |
| Noninterest income to average assets | 1.1764% | 721 |
| Noninterest expense to average assets | 3.1600% | 1,225 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6225% | 3,665 |
| Return on assets (ROA) | 0.6225% | 3,742 |
| Pretax return on assets | 0.7940% | 3,605 |
| Return on Equity (ROE) | 5.5054% | 3,673 |
| Retained earnings to average equity (ytd only) | 1.9829% | 3,763 |
| Net charge-offs to loans | 0.1971% | 781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.8548% | 2,563 |
| Efficiency ratio | 79.9199% | 898 |
| Assets per employee ($millions) | 4.9783% | 3,196 |
| Cash dividends to net income (ytd only)* | 63.9831% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7577% | 4,443 |
| Loan loss allowance to noncurrent loans | 2,204.7619% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 4,408 |
| Noncurrent loans to loans | 0.0344% | 4,341 |
| Net loans and leases to total assets | 81.2106% | 477 |
| Net loans and leases to deposits | 112.3016% | 188 |
| Net loans and leases to core deposits | 147.3766% | 120 |
| Total domestic deposits to total assets | 72.3147% | 4,694 |
| Equity capital to assets | 11.6706% | 1,851 |
| Core capital (leverage) ratio | 11.4501% | 1,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0826% | 2,145 |
| Memoranda: | ||
| Average total assets | $75,822,667 | 4,311 |
| Average earning assets | $66,085,333 | 4,373 |
| Average equity | $8,573,333 | 4,398 |
| Average total loans | $62,901,000 | 3,896 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7766% | 1,484 |
| Cost of funding earning assets | 1.5681% | 211 |
| Net interest margin | 3.2085% | 3,834 |
| Noninterest income to average assets | 0.9215% | 1,024 |
| Noninterest expense to average assets | 3.4557% | 1,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1990% | 4,532 |
| Return on assets (ROA) | 0.1990% | 4,545 |
| Pretax return on assets | 0.2513% | 4,517 |
| Return on Equity (ROE) | 1.7877% | 4,487 |
| Retained earnings to average equity (ytd only) | -5.3161% | 4,545 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2203% | 394 |
| Assets per employee ($millions) | 5.1185% | 2,516 |
| Cash dividends to net income (ytd only)* | 397.3684% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8049% | 4,399 |
| Loan loss allowance to noncurrent loans | 625.0000% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 4,070 |
| Noncurrent loans to loans | 0.1288% | 4,003 |
| Net loans and leases to total assets | 84.2661% | 249 |
| Net loans and leases to deposits | 113.3226% | 145 |
| Net loans and leases to core deposits | 146.2244% | 133 |
| Total domestic deposits to total assets | 74.3595% | 4,633 |
| Equity capital to assets | 10.9616% | 2,894 |
| Core capital (leverage) ratio | 11.3677% | 2,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6556% | 2,861 |
| Memoranda: | ||
| Average total assets | $76,396,500 | 4,310 |
| Average earning assets | $66,323,500 | 4,381 |
| Average equity | $8,502,500 | 4,426 |
| Average total loans | $63,798,000 | 3,886 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1768% | 1,050 |
| Cost of funding earning assets | 1.8476% | 119 |
| Net interest margin | 3.3291% | 3,921 |
| Noninterest income to average assets | 1.3560% | 522 |
| Noninterest expense to average assets | 3.7646% | 704 |
| Loan and lease loss provision to assets | 0.0820% | 2,366 |
| Net operating income to assets | 0.4177% | 4,567 |
| Return on assets (ROA) | 0.4443% | 4,546 |
| Pretax return on assets | 0.4579% | 4,632 |
| Return on Equity (ROE) | 3.8592% | 4,496 |
| Retained earnings to average equity (ytd only) | 2.0662% | 3,966 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0153% | 440 |
| Assets per employee ($millions) | 5.0677% | 2,492 |
| Cash dividends to net income (ytd only)* | 46.4615% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8417% | 4,181 |
| Loan loss allowance to noncurrent loans | 617.6471% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 4,069 |
| Noncurrent loans to loans | 0.1363% | 3,981 |
| Net loans and leases to total assets | 81.3631% | 635 |
| Net loans and leases to deposits | 121.4822% | 77 |
| Net loans and leases to core deposits | 142.0836% | 164 |
| Total domestic deposits to total assets | 66.9754% | 5,012 |
| Equity capital to assets | 11.2989% | 2,708 |
| Core capital (leverage) ratio | 11.5182% | 2,098 |
| Tier 1 risk-based capital ratio | 12.3883% | 4,135 |
| Total risk-based capital ratio | 13.1486% | 4,293 |
| Memoranda: | ||
| Average total assets | $73,155,000 | 4,384 |
| Average earning assets | $64,190,600 | 4,435 |
| Average equity | $8,421,400 | 4,457 |
| Average total loans | $61,091,200 | 3,963 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1996% | 1,042 |
| Cost of funding earning assets | 1.8503% | 121 |
| Net interest margin | 3.3493% | 3,990 |
| Noninterest income to average assets | 0.8559% | 1,252 |
| Noninterest expense to average assets | 3.1308% | 1,638 |
| Loan and lease loss provision to assets | 0.0828% | 2,249 |
| Net operating income to assets | 0.4859% | 4,551 |
| Return on assets (ROA) | 0.5154% | 4,535 |
| Pretax return on assets | 0.6442% | 4,456 |
| Return on Equity (ROE) | 4.4552% | 4,490 |
| Retained earnings to average equity (ytd only) | 2.0526% | 4,252 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9364% | 763 |
| Assets per employee ($millions) | 4.8438% | 2,741 |
| Cash dividends to net income (ytd only)* | 53.9296% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8471% | 4,245 |
| Loan loss allowance to noncurrent loans | 2,217.3913% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 4,571 |
| Noncurrent loans to loans | 0.0382% | 4,483 |
| Net loans and leases to total assets | 82.1600% | 548 |
| Net loans and leases to deposits | 121.0606% | 85 |
| Net loans and leases to core deposits | 145.6118% | 143 |
| Total domestic deposits to total assets | 67.8668% | 5,063 |
| Equity capital to assets | 11.7539% | 2,454 |
| Core capital (leverage) ratio | 11.8794% | 1,937 |
| Tier 1 risk-based capital ratio | 12.9426% | 3,880 |
| Total risk-based capital ratio | 13.7184% | 4,046 |
| Memoranda: | ||
| Average total assets | $72,439,750 | 4,447 |
| Average earning assets | $64,131,250 | 4,489 |
| Average equity | $8,379,500 | 4,512 |
| Average total loans | $60,770,500 | 4,011 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1456% | 1,118 |
| Cost of funding earning assets | 1.8062% | 125 |
| Net interest margin | 3.3393% | 4,047 |
| Noninterest income to average assets | 0.8346% | 1,232 |
| Noninterest expense to average assets | 3.2584% | 1,366 |
| Loan and lease loss provision to assets | 0.0829% | 2,184 |
| Net operating income to assets | 0.3565% | 4,794 |
| Return on assets (ROA) | 0.3565% | 4,812 |
| Pretax return on assets | 0.4671% | 4,744 |
| Return on Equity (ROE) | 3.0987% | 4,776 |
| Retained earnings to average equity (ytd only) | -0.5285% | 4,769 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5588% | 569 |
| Assets per employee ($millions) | 4.7341% | 2,826 |
| Cash dividends to net income (ytd only)* | 117.0543% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8227% | 4,354 |
| 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 | 84.0351% | 358 |
| Net loans and leases to deposits | 114.8789% | 129 |
| Net loans and leases to core deposits | 136.6280% | 228 |
| Total domestic deposits to total assets | 73.1510% | 4,894 |
| Equity capital to assets | 11.8388% | 2,312 |
| Core capital (leverage) ratio | 11.7658% | 1,973 |
| Tier 1 risk-based capital ratio | 12.8478% | 3,915 |
| Total risk-based capital ratio | 13.6088% | 4,083 |
| Memoranda: | ||
| Average total assets | $72,367,330 | 4,479 |
| Average earning assets | $64,444,000 | 4,516 |
| Average equity | $8,326,000 | 4,538 |
| Average total loans | $60,959,000 | 4,028 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9566% | 1,453 |
| Cost of funding earning assets | 1.7219% | 148 |
| Net interest margin | 3.2347% | 4,321 |
| Noninterest income to average assets | 0.7612% | 1,392 |
| Noninterest expense to average assets | 3.7675% | 682 |
| Loan and lease loss provision to assets | 0.0821% | 2,055 |
| Net operating income to assets | -0.2081% | 5,208 |
| Return on assets (ROA) | -0.2081% | 5,205 |
| Pretax return on assets | -0.2081% | 5,198 |
| Return on Equity (ROE) | -1.8345% | 5,211 |
| Retained earnings to average equity (ytd only) | -9.1244% | 5,074 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4586% | 143 |
| Assets per employee ($millions) | 4.7274% | 2,880 |
| Cash dividends to net income (ytd only)* | -397.3684% | 5,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7668% | 4,620 |
| Loan loss allowance to noncurrent loans | 750.0000% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 4,362 |
| Noncurrent loans to loans | 0.1022% | 4,280 |
| Net loans and leases to total assets | 87.5957% | 115 |
| Net loans and leases to deposits | 117.0215% | 117 |
| Net loans and leases to core deposits | 138.4086% | 201 |
| Total domestic deposits to total assets | 74.8544% | 4,870 |
| Equity capital to assets | 11.5694% | 2,333 |
| Core capital (leverage) ratio | 11.7362% | 1,948 |
| Tier 1 risk-based capital ratio | 12.3301% | 4,285 |
| Total risk-based capital ratio | 13.0527% | 4,469 |
| Memoranda: | ||
| Average total assets | $73,045,000 | 4,522 |
| Average earning assets | $65,044,000 | 4,561 |
| Average equity | $8,285,500 | 4,575 |
| Average total loans | $61,353,500 | 4,063 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8499% | 1,426 |
| Cost of funding earning assets | 1.3495% | 178 |
| Net interest margin | 3.5004% | 3,701 |
| Noninterest income to average assets | 1.1099% | 744 |
| Noninterest expense to average assets | 3.4101% | 1,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6267% | 4,341 |
| Return on assets (ROA) | 0.6267% | 4,351 |
| Pretax return on assets | 0.8131% | 4,135 |
| Return on Equity (ROE) | 5.3372% | 4,372 |
| Retained earnings to average equity (ytd only) | 5.3372% | 2,572 |
| Net charge-offs to loans | 0.0085% | 3,389 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 113.4000% | 674 |
| Efficiency ratio | 80.7470% | 895 |
| Assets per employee ($millions) | 4.6987% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7736% | 4,618 |
| Loan loss allowance to noncurrent loans | 715.3846% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 4,386 |
| Noncurrent loans to loans | 0.1081% | 4,247 |
| Net loans and leases to total assets | 79.3400% | 1,045 |
| Net loans and leases to deposits | 110.0843% | 252 |
| Net loans and leases to core deposits | 129.5998% | 331 |
| Total domestic deposits to total assets | 72.0720% | 5,068 |
| Equity capital to assets | 11.1294% | 2,576 |
| Core capital (leverage) ratio | 11.9046% | 1,796 |
| Tier 1 risk-based capital ratio | 12.7139% | 4,005 |
| Total risk-based capital ratio | 13.4194% | 4,200 |
| Memoranda: | ||
| Average total assets | $69,733,200 | 4,581 |
| Average earning assets | $62,021,800 | 4,632 |
| Average equity | $8,187,800 | 4,579 |
| Average total loans | $59,139,200 | 4,113 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7713% | 1,490 |
| Cost of funding earning assets | 1.2326% | 214 |
| Net interest margin | 3.5387% | 3,562 |
| Noninterest income to average assets | 0.7722% | 1,569 |
| Noninterest expense to average assets | 2.7964% | 2,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8814% | 3,620 |
| Return on assets (ROA) | 0.8814% | 3,622 |
| Pretax return on assets | 1.1447% | 3,215 |
| Return on Equity (ROE) | 7.4008% | 3,788 |
| Retained earnings to average equity (ytd only) | 7.4008% | 1,928 |
| Net charge-offs to loans | 0.0113% | 3,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 117.3388% | 670 |
| Efficiency ratio | 70.9550% | 2,041 |
| Assets per employee ($millions) | 5.7116% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8105% | 4,575 |
| Loan loss allowance to noncurrent loans | 704.5455% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 4,494 |
| Noncurrent loans to loans | 0.1150% | 4,375 |
| Net loans and leases to total assets | 83.0272% | 562 |
| Net loans and leases to deposits | 114.9268% | 168 |
| Net loans and leases to core deposits | 134.0605% | 270 |
| Total domestic deposits to total assets | 72.2435% | 5,111 |
| Equity capital to assets | 12.2120% | 1,765 |
| Core capital (leverage) ratio | 12.4276% | 1,540 |
| Tier 1 risk-based capital ratio | 13.7371% | 3,495 |
| Total risk-based capital ratio | 14.4980% | 3,674 |
| Memoranda: | ||
| Average total assets | $68,371,750 | 4,655 |
| Average earning assets | $61,226,250 | 4,695 |
| Average equity | $8,143,000 | 4,630 |
| Average total loans | $58,896,000 | 4,165 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6451% | 1,656 |
| Cost of funding earning assets | 1.1035% | 289 |
| Net interest margin | 3.5416% | 3,498 |
| Noninterest income to average assets | 0.8461% | 1,331 |
| Noninterest expense to average assets | 2.9129% | 2,319 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9427% | 3,260 |
| Return on assets (ROA) | 0.9427% | 3,268 |
| Pretax return on assets | 1.1183% | 3,243 |
| Return on Equity (ROE) | 7.9828% | 3,514 |
| Retained earnings to average equity (ytd only) | 7.9828% | 1,644 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2585% | 1,958 |
| Assets per employee ($millions) | 5.5316% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8493% | 4,555 |
| Loan loss allowance to noncurrent loans | 2,937.5000% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 4,907 |
| Noncurrent loans to loans | 0.0289% | 4,793 |
| Net loans and leases to total assets | 82.6632% | 631 |
| Net loans and leases to deposits | 114.9275% | 177 |
| Net loans and leases to core deposits | 120.7548% | 548 |
| Total domestic deposits to total assets | 71.9264% | 5,192 |
| Equity capital to assets | 12.4316% | 1,576 |
| Core capital (leverage) ratio | 12.8927% | 1,276 |
| Tier 1 risk-based capital ratio | 14.1277% | 3,300 |
| Total risk-based capital ratio | 14.9311% | 3,429 |
| Memoranda: | ||
| Average total assets | $68,316,000 | 4,704 |
| Average earning assets | $61,441,670 | 4,740 |
| Average equity | $8,067,330 | 4,682 |
| Average total loans | $59,404,330 | 4,180 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5930% | 1,598 |
| Cost of funding earning assets | 1.0614% | 274 |
| Net interest margin | 3.5316% | 3,420 |
| Noninterest income to average assets | 0.8083% | 1,428 |
| Noninterest expense to average assets | 3.2735% | 1,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4734% | 4,758 |
| Return on assets (ROA) | 0.4734% | 4,760 |
| Pretax return on assets | 0.7043% | 4,430 |
| Return on Equity (ROE) | 4.1129% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.1129% | 3,558 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2932% | 923 |
| Assets per employee ($millions) | 4.9350% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8234% | 4,721 |
| Loan loss allowance to noncurrent loans | 155.1155% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.4723% | 2,963 |
| Noncurrent loans to loans | 0.5308% | 2,930 |
| Net loans and leases to total assets | 88.2410% | 118 |
| Net loans and leases to deposits | 115.6223% | 161 |
| Net loans and leases to core deposits | 120.0377% | 585 |
| Total domestic deposits to total assets | 76.3183% | 4,937 |
| Equity capital to assets | 12.4901% | 1,492 |
| Core capital (leverage) ratio | 11.9041% | 1,712 |
| Tier 1 risk-based capital ratio | 13.3955% | 3,722 |
| Total risk-based capital ratio | 14.1801% | 3,879 |
| Memoranda: | ||
| Average total assets | $69,284,500 | 4,748 |
| Average earning assets | $62,182,000 | 4,787 |
| Average equity | $7,975,000 | 4,748 |
| Average total loans | $61,436,000 | 4,169 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5873% | 1,465 |
| Cost of funding earning assets | 0.8625% | 455 |
| Net interest margin | 3.7248% | 2,696 |
| Noninterest income to average assets | 1.1387% | 784 |
| Noninterest expense to average assets | 3.2677% | 1,440 |
| Loan and lease loss provision to assets | 0.1091% | 2,063 |
| Net operating income to assets | 0.8653% | 2,888 |
| Return on assets (ROA) | 0.8653% | 2,910 |
| Pretax return on assets | 1.1343% | 3,043 |
| Return on Equity (ROE) | 8.1859% | 2,709 |
| Retained earnings to average equity (ytd only) | 6.6725% | 1,202 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4371% | 2,156 |
| Assets per employee ($millions) | 6.2012% | 1,383 |
| Cash dividends to net income (ytd only)* | 18.4874% | 3,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7144% | 5,039 |
| Loan loss allowance to noncurrent loans | 183.5938% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 3,487 |
| Noncurrent loans to loans | 0.3891% | 3,366 |
| Net loans and leases to total assets | 87.7805% | 148 |
| Net loans and leases to deposits | 125.5304% | 70 |
| Net loans and leases to core deposits | 130.1500% | 335 |
| Total domestic deposits to total assets | 69.9277% | 5,408 |
| Equity capital to assets | 10.6660% | 2,978 |
| Core capital (leverage) ratio | 11.0017% | 2,336 |
| Tier 1 risk-based capital ratio | 11.3836% | 4,928 |
| Total risk-based capital ratio | 12.0572% | 5,140 |
| Memoranda: | ||
| Average total assets | $68,763,800 | 4,799 |
| Average earning assets | $62,259,000 | 4,812 |
| Average equity | $7,268,600 | 4,900 |
| Average total loans | $61,351,600 | 4,170 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5531% | 1,492 |
| Cost of funding earning assets | 0.7991% | 581 |
| Net interest margin | 3.7540% | 2,563 |
| Noninterest income to average assets | 0.8374% | 1,453 |
| Noninterest expense to average assets | 2.7655% | 2,841 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9700% | 2,690 |
| Return on assets (ROA) | 0.9700% | 2,745 |
| Pretax return on assets | 1.4847% | 1,823 |
| Return on Equity (ROE) | 9.1997% | 2,497 |
| Retained earnings to average equity (ytd only) | 7.1344% | 1,621 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0675% | 3,367 |
| Assets per employee ($millions) | 6.0036% | 1,494 |
| Cash dividends to net income (ytd only)* | 22.4484% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6742% | 5,198 |
| Loan loss allowance to noncurrent loans | 39,500.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 5,272 |
| Noncurrent loans to loans | 0.0017% | 5,159 |
| Net loans and leases to total assets | 88.1163% | 149 |
| Net loans and leases to deposits | 122.2495% | 76 |
| Net loans and leases to core deposits | 127.1734% | 385 |
| Total domestic deposits to total assets | 72.0790% | 5,370 |
| Equity capital to assets | 11.1099% | 2,755 |
| Core capital (leverage) ratio | 10.7066% | 2,757 |
| Tier 1 risk-based capital ratio | 11.9420% | 4,670 |
| Total risk-based capital ratio | 12.5848% | 4,940 |
| Memoranda: | ||
| Average total assets | $67,351,250 | 4,874 |
| Average earning assets | $61,231,750 | 4,884 |
| Average equity | $7,101,500 | 4,978 |
| Average total loans | $60,241,750 | 4,235 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4093% | 1,784 |
| Cost of funding earning assets | 0.7278% | 770 |
| Net interest margin | 3.6815% | 2,716 |
| Noninterest income to average assets | 0.8379% | 1,447 |
| Noninterest expense to average assets | 2.8530% | 2,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9146% | 2,839 |
| Return on assets (ROA) | 0.9146% | 2,892 |
| Pretax return on assets | 1.3277% | 2,277 |
| Return on Equity (ROE) | 8.8281% | 2,589 |
| Retained earnings to average equity (ytd only) | 5.6956% | 2,297 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2428% | 2,965 |
| Assets per employee ($millions) | 5.7158% | 1,685 |
| Cash dividends to net income (ytd only)* | 35.4839% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7089% | 5,187 |
| 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 | 87.9982% | 145 |
| Net loans and leases to deposits | 121.3919% | 84 |
| Net loans and leases to core deposits | 126.4582% | 382 |
| Total domestic deposits to total assets | 72.4910% | 5,422 |
| Equity capital to assets | 11.3831% | 2,429 |
| Core capital (leverage) ratio | 10.3721% | 3,048 |
| Tier 1 risk-based capital ratio | 12.1805% | 4,507 |
| Total risk-based capital ratio | 12.8527% | 4,775 |
| Memoranda: | ||
| Average total assets | $67,788,330 | 4,907 |
| Average earning assets | $61,551,670 | 4,907 |
| Average equity | $7,023,000 | 5,017 |
| Average total loans | $60,793,330 | 4,248 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0247% | 2,947 |
| Cost of funding earning assets | 0.6739% | 965 |
| Net interest margin | 3.3508% | 3,845 |
| Noninterest income to average assets | 0.8086% | 1,519 |
| Noninterest expense to average assets | 3.2059% | 1,591 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6605% | 3,879 |
| Return on assets (ROA) | 0.6605% | 3,921 |
| Pretax return on assets | 0.6605% | 4,561 |
| Return on Equity (ROE) | 6.6705% | 3,568 |
| Retained earnings to average equity (ytd only) | 0.3450% | 4,839 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9161% | 1,071 |
| Assets per employee ($millions) | 5.6446% | 1,771 |
| Cash dividends to net income (ytd only)* | 94.8276% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6421% | 5,410 |
| 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 | 90.2384% | 51 |
| Net loans and leases to deposits | 138.9601% | 19 |
| Net loans and leases to core deposits | 143.5115% | 143 |
| Total domestic deposits to total assets | 64.9384% | 5,729 |
| Equity capital to assets | 10.2753% | 3,435 |
| Core capital (leverage) ratio | 10.4807% | 2,927 |
| Tier 1 risk-based capital ratio | 10.8670% | 5,378 |
| Total risk-based capital ratio | 11.4834% | 5,581 |
| Memoranda: | ||
| Average total assets | $70,245,500 | 4,911 |
| Average earning assets | $64,104,500 | 4,915 |
| Average equity | $6,956,000 | 5,075 |
| Average total loans | $63,328,500 | 4,195 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1034% | 2,834 |
| Cost of funding earning assets | 0.5189% | 1,947 |
| Net interest margin | 3.5845% | 3,125 |
| Noninterest income to average assets | 1.0819% | 965 |
| Noninterest expense to average assets | 3.2983% | 1,579 |
| Loan and lease loss provision to assets | 0.1205% | 2,048 |
| Net operating income to assets | 0.6750% | 3,891 |
| Return on assets (ROA) | 0.6750% | 4,004 |
| Pretax return on assets | 0.9312% | 3,729 |
| Return on Equity (ROE) | 6.6147% | 3,683 |
| Retained earnings to average equity (ytd only) | 5.8026% | 1,822 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8227% | 2,008 |
| Assets per employee ($millions) | 6.0630% | 1,432 |
| Cash dividends to net income (ytd only)* | 12.2768% | 3,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6064% | 5,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3189% | 3,998 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 88.9878% | 95 |
| Net loans and leases to deposits | 144.8023% | 13 |
| Net loans and leases to core deposits | 150.3297% | 112 |
| Total domestic deposits to total assets | 61.4547% | 5,812 |
| Equity capital to assets | 9.5552% | 4,214 |
| Core capital (leverage) ratio | 10.2182% | 3,203 |
| Tier 1 risk-based capital ratio | 10.1321% | 5,704 |
| Total risk-based capital ratio | 10.7073% | 5,815 |
| Memoranda: | ||
| Average total assets | $66,366,600 | 5,006 |
| Average earning assets | $60,510,200 | 5,008 |
| Average equity | $6,772,800 | 5,141 |
| Average total loans | $59,547,200 | 4,314 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1044% | 2,859 |
| Cost of funding earning assets | 0.5319% | 1,861 |
| Net interest margin | 3.5725% | 3,191 |
| Noninterest income to average assets | 0.8708% | 1,508 |
| Noninterest expense to average assets | 2.7296% | 3,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9099% | 2,853 |
| Return on assets (ROA) | 0.9099% | 2,986 |
| Pretax return on assets | 1.4039% | 2,025 |
| Return on Equity (ROE) | 8.7592% | 2,628 |
| Retained earnings to average equity (ytd only) | 7.6693% | 1,328 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0359% | 3,588 |
| Assets per employee ($millions) | 5.5983% | 1,759 |
| Cash dividends to net income (ytd only)* | 12.4432% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5225% | 5,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3275% | 4,091 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 89.2736% | 87 |
| Net loans and leases to deposits | 149.7890% | 10 |
| Net loans and leases to core deposits | 155.1841% | 106 |
| Total domestic deposits to total assets | 59.5996% | 5,892 |
| Equity capital to assets | 10.3587% | 3,736 |
| Core capital (leverage) ratio | 10.6913% | 2,795 |
| Tier 1 risk-based capital ratio | 11.0256% | 5,356 |
| Total risk-based capital ratio | 11.5252% | 5,640 |
| Memoranda: | ||
| Average total assets | $64,769,250 | 5,079 |
| Average earning assets | $59,154,750 | 5,087 |
| Average equity | $6,728,000 | 5,197 |
| Average total loans | $58,149,250 | 4,381 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0743% | 2,979 |
| Cost of funding earning assets | 0.5166% | 1,965 |
| Net interest margin | 3.5578% | 3,268 |
| Noninterest income to average assets | 0.8723% | 1,463 |
| Noninterest expense to average assets | 2.8140% | 2,986 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8536% | 3,082 |
| Return on assets (ROA) | 0.8536% | 3,199 |
| Pretax return on assets | 1.3101% | 2,364 |
| Return on Equity (ROE) | 8.2093% | 2,880 |
| Retained earnings to average equity (ytd only) | 6.5554% | 1,850 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2335% | 3,289 |
| Assets per employee ($millions) | 5.3960% | 1,886 |
| Cash dividends to net income (ytd only)* | 20.1465% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5411% | 5,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 4,350 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 89.4181% | 84 |
| Net loans and leases to deposits | 136.2225% | 23 |
| Net loans and leases to core deposits | 139.9633% | 186 |
| Total domestic deposits to total assets | 65.6412% | 5,896 |
| Equity capital to assets | 10.4831% | 3,650 |
| Core capital (leverage) ratio | 10.6201% | 2,831 |
| Tier 1 risk-based capital ratio | 11.1372% | 5,338 |
| Total risk-based capital ratio | 11.6545% | 5,632 |
| Memoranda: | ||
| Average total assets | $63,965,670 | 5,146 |
| Average earning assets | $58,463,670 | 5,149 |
| Average equity | $6,651,000 | 5,259 |
| Average total loans | $57,436,000 | 4,421 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0072% | 3,206 |
| Cost of funding earning assets | 0.4889% | 2,188 |
| Net interest margin | 3.5184% | 3,398 |
| Noninterest income to average assets | 0.8872% | 1,346 |
| Noninterest expense to average assets | 3.3033% | 1,595 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5411% | 4,462 |
| Return on assets (ROA) | 0.5411% | 4,566 |
| Pretax return on assets | 0.7991% | 4,200 |
| Return on Equity (ROE) | 5.2260% | 4,379 |
| Retained earnings to average equity (ytd only) | 1.8838% | 4,504 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5215% | 1,542 |
| Assets per employee ($millions) | 5.1845% | 2,153 |
| Cash dividends to net income (ytd only)* | 63.9535% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5650% | 5,801 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 89.1053% | 87 |
| Net loans and leases to deposits | 124.6649% | 63 |
| Net loans and leases to core deposits | 127.9302% | 304 |
| Total domestic deposits to total assets | 71.4759% | 5,801 |
| Equity capital to assets | 10.6085% | 3,358 |
| Core capital (leverage) ratio | 10.9129% | 2,483 |
| Tier 1 risk-based capital ratio | 11.3710% | 5,297 |
| Total risk-based capital ratio | 11.9141% | 5,590 |
| Memoranda: | ||
| Average total assets | $63,572,500 | 5,204 |
| Average earning assets | $58,095,000 | 5,215 |
| Average equity | $6,582,500 | 5,310 |
| Average total loans | $57,046,500 | 4,470 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2302% | 2,457 |
| Cost of funding earning assets | 0.4913% | 2,242 |
| Net interest margin | 3.7389% | 2,610 |
| Noninterest income to average assets | 1.3719% | 640 |
| Noninterest expense to average assets | 3.5527% | 1,207 |
| Loan and lease loss provision to assets | 0.3284% | 491 |
| Net operating income to assets | 0.5199% | 4,617 |
| Return on assets (ROA) | 0.5199% | 4,697 |
| Pretax return on assets | 0.9046% | 3,824 |
| Return on Equity (ROE) | 5.1654% | 4,418 |
| Retained earnings to average equity (ytd only) | 2.3683% | 4,368 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2353% | 2,544 |
| Assets per employee ($millions) | 5.4109% | 1,895 |
| Cash dividends to net income (ytd only)* | 54.1516% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5399% | 5,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 89.3672% | 79 |
| Net loans and leases to deposits | 129.2447% | 48 |
| Net loans and leases to core deposits | 132.5968% | 236 |
| Total domestic deposits to total assets | 69.1457% | 5,931 |
| Equity capital to assets | 10.1107% | 3,851 |
| Core capital (leverage) ratio | 11.0160% | 2,390 |
| Tier 1 risk-based capital ratio | 10.8499% | 5,601 |
| Total risk-based capital ratio | 11.3706% | 5,847 |
| Memoranda: | ||
| Average total assets | $53,283,200 | 5,477 |
| Average earning assets | $48,650,200 | 5,465 |
| Average equity | $5,362,600 | 5,565 |
| Average total loans | $46,287,400 | 4,784 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3050% | 2,211 |
| Cost of funding earning assets | 0.4961% | 2,250 |
| Net interest margin | 3.8089% | 2,351 |
| Noninterest income to average assets | 1.1435% | 915 |
| Noninterest expense to average assets | 3.1154% | 2,182 |
| Loan and lease loss provision to assets | 0.1985% | 1,015 |
| Net operating income to assets | 0.8417% | 3,210 |
| Return on assets (ROA) | 0.8417% | 3,299 |
| Pretax return on assets | 1.3050% | 2,382 |
| Return on Equity (ROE) | 8.3759% | 2,893 |
| Retained earnings to average equity (ytd only) | 4.4249% | 3,314 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4499% | 3,642 |
| Assets per employee ($millions) | 4.4892% | 3,029 |
| Cash dividends to net income (ytd only)* | 47.1709% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4462% | 6,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 89.0570% | 91 |
| Net loans and leases to deposits | 112.3431% | 201 |
| Net loans and leases to core deposits | 115.4077% | 620 |
| Total domestic deposits to total assets | 79.2723% | 4,917 |
| Equity capital to assets | 11.5426% | 2,469 |
| Core capital (leverage) ratio | 11.5372% | 2,008 |
| Tier 1 risk-based capital ratio | 12.5396% | 4,731 |
| Total risk-based capital ratio | 12.9734% | 5,171 |
| Memoranda: | ||
| Average total assets | $50,371,250 | 5,604 |
| Average earning assets | $45,961,000 | 5,595 |
| Average equity | $5,062,000 | 5,707 |
| Average total loans | $43,273,750 | 4,938 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3326% | 2,077 |
| Cost of funding earning assets | 0.4829% | 2,403 |
| Net interest margin | 3.8497% | 2,140 |
| Noninterest income to average assets | 0.9674% | 1,248 |
| Noninterest expense to average assets | 3.2720% | 1,781 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7885% | 3,446 |
| Return on assets (ROA) | 0.7885% | 3,547 |
| Pretax return on assets | 1.1950% | 2,797 |
| Return on Equity (ROE) | 8.2965% | 2,889 |
| Retained earnings to average equity (ytd only) | 1.8817% | 4,754 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2484% | 2,793 |
| Assets per employee ($millions) | 4.2842% | 3,333 |
| Cash dividends to net income (ytd only)* | 77.3196% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3077% | 6,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 88.2260% | 130 |
| Net loans and leases to deposits | 113.6084% | 192 |
| Net loans and leases to core deposits | 116.9266% | 565 |
| Total domestic deposits to total assets | 77.6580% | 5,346 |
| Equity capital to assets | 9.9105% | 4,141 |
| Core capital (leverage) ratio | 9.7169% | 3,977 |
| Tier 1 risk-based capital ratio | 10.8055% | 5,799 |
| Total risk-based capital ratio | 11.1026% | 6,079 |
| Memoranda: | ||
| Average total assets | $49,205,000 | 5,689 |
| Average earning assets | $44,730,670 | 5,694 |
| Average equity | $4,676,670 | 5,859 |
| Average total loans | $41,635,000 | 5,043 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3754% | 1,852 |
| Cost of funding earning assets | 0.4882% | 2,397 |
| Net interest margin | 3.8872% | 1,938 |
| Noninterest income to average assets | 0.9896% | 1,137 |
| Noninterest expense to average assets | 3.8252% | 850 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6736% | 3,929 |
| Return on assets (ROA) | 0.6736% | 4,048 |
| Pretax return on assets | 0.6736% | 4,677 |
| Return on Equity (ROE) | 7.2524% | 3,366 |
| Retained earnings to average equity (ytd only) | -6.1780% | 5,999 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0277% | 1,267 |
| Assets per employee ($millions) | 4.2064% | 3,554 |
| Cash dividends to net income (ytd only)* | 185.1852% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3773% | 6,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 79.8941% | 700 |
| Net loans and leases to deposits | 91.9669% | 1,192 |
| Net loans and leases to core deposits | 94.6343% | 1,720 |
| Total domestic deposits to total assets | 86.8727% | 2,441 |
| Equity capital to assets | 9.5872% | 4,651 |
| Core capital (leverage) ratio | 8.9787% | 4,974 |
| Tier 1 risk-based capital ratio | 11.3675% | 5,621 |
| Total risk-based capital ratio | 11.7268% | 5,967 |
| Memoranda: | ||
| Average total assets | $48,102,500 | 5,768 |
| Average earning assets | $43,425,000 | 5,771 |
| Average equity | $4,467,500 | 5,953 |
| Average total loans | $39,704,000 | 5,150 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7266% | 1,243 |
| Cost of funding earning assets | 0.4494% | 3,176 |
| Net interest margin | 4.2772% | 1,096 |
| Noninterest income to average assets | 1.3332% | 692 |
| Noninterest expense to average assets | 3.9093% | 844 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8325% | 3,207 |
| Return on assets (ROA) | 0.8402% | 3,265 |
| Pretax return on assets | 1.2684% | 2,354 |
| Return on Equity (ROE) | 10.0682% | 2,089 |
| Retained earnings to average equity (ytd only) | 3.1342% | 4,006 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6720% | 2,563 |
| Assets per employee ($millions) | 4.5395% | 2,971 |
| Cash dividends to net income (ytd only)* | 68.8705% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3310% | 6,367 |
| Loan loss allowance to noncurrent loans | 1,750.0000% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 5,987 |
| Noncurrent loans to loans | 0.0189% | 5,816 |
| Net loans and leases to total assets | 84.4318% | 312 |
| Net loans and leases to deposits | 113.2812% | 173 |
| Net loans and leases to core deposits | 116.5570% | 510 |
| Total domestic deposits to total assets | 74.5329% | 5,902 |
| Equity capital to assets | 9.0097% | 5,275 |
| Core capital (leverage) ratio | 9.3977% | 4,391 |
| Tier 1 risk-based capital ratio | 9.9465% | 6,274 |
| Total risk-based capital ratio | 10.2561% | 6,397 |
| Memoranda: | ||
| Average total assets | $43,204,800 | 5,947 |
| Average earning assets | $38,717,200 | 5,961 |
| Average equity | $3,605,400 | 6,161 |
| Average total loans | $35,278,000 | 5,354 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 1,171 |
| Cost of funding earning assets | 0.4364% | 3,402 |
| Net interest margin | 4.3286% | 992 |
| Noninterest income to average assets | 1.1367% | 935 |
| Noninterest expense to average assets | 3.5611% | 1,364 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9473% | 2,697 |
| Return on assets (ROA) | 0.9473% | 2,786 |
| Pretax return on assets | 1.4610% | 1,774 |
| Return on Equity (ROE) | 11.6298% | 1,584 |
| Retained earnings to average equity (ytd only) | 1.7741% | 5,169 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9079% | 3,357 |
| Assets per employee ($millions) | 3.6508% | 4,572 |
| Cash dividends to net income (ytd only)* | 84.7478% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4264% | 6,389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 81.4064% | 569 |
| Net loans and leases to deposits | 93.6251% | 1,071 |
| Net loans and leases to core deposits | 96.5163% | 1,635 |
| Total domestic deposits to total assets | 86.9494% | 2,346 |
| Equity capital to assets | 8.6905% | 5,646 |
| Core capital (leverage) ratio | 7.9083% | 6,128 |
| Tier 1 risk-based capital ratio | 10.0081% | 6,343 |
| Total risk-based capital ratio | 10.4108% | 6,458 |
| Memoranda: | ||
| Average total assets | $41,522,250 | 6,069 |
| Average earning assets | $37,270,750 | 6,079 |
| Average equity | $3,382,000 | 6,270 |
| Average total loans | $33,522,250 | 5,473 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 1,472 |
| Cost of funding earning assets | 0.4143% | 3,714 |
| Net interest margin | 4.2066% | 1,228 |
| Noninterest income to average assets | 1.1292% | 924 |
| Noninterest expense to average assets | 3.6354% | 1,232 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8147% | 3,257 |
| Return on assets (ROA) | 0.8147% | 3,361 |
| Pretax return on assets | 1.2674% | 2,382 |
| Return on Equity (ROE) | 10.2212% | 2,048 |
| Retained earnings to average equity (ytd only) | -4.7221% | 6,218 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1497% | 2,952 |
| Assets per employee ($millions) | 3.5192% | 4,808 |
| Cash dividends to net income (ytd only)* | 146.1988% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4365% | 6,465 |
| Loan loss allowance to noncurrent loans | 2,333.3333% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 6,192 |
| Noncurrent loans to loans | 0.0187% | 6,018 |
| Net loans and leases to total assets | 82.4856% | 423 |
| Net loans and leases to deposits | 97.1344% | 727 |
| Net loans and leases to core deposits | 100.3268% | 1,253 |
| Total domestic deposits to total assets | 84.9190% | 3,555 |
| Equity capital to assets | 8.7004% | 5,613 |
| Core capital (leverage) ratio | 7.8509% | 6,183 |
| Tier 1 risk-based capital ratio | 9.8584% | 6,437 |
| Total risk-based capital ratio | 10.2697% | 6,527 |
| Memoranda: | ||
| Average total assets | $41,976,670 | 6,111 |
| Average earning assets | $37,654,670 | 6,121 |
| Average equity | $3,346,000 | 6,330 |
| Average total loans | $33,752,330 | 5,503 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3789% | 2,234 |
| Cost of funding earning assets | 0.3990% | 3,977 |
| Net interest margin | 3.9798% | 1,829 |
| Noninterest income to average assets | 1.1007% | 919 |
| Noninterest expense to average assets | 4.2743% | 561 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3944% | 5,139 |
| Return on assets (ROA) | 0.3944% | 5,211 |
| Pretax return on assets | 0.3944% | 5,477 |
| Return on Equity (ROE) | 5.1574% | 4,462 |
| Retained earnings to average equity (ytd only) | -24.8276% | 6,582 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5521% | 908 |
| Assets per employee ($millions) | 3.6883% | 4,542 |
| Cash dividends to net income (ytd only)* | 581.3953% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4521% | 6,535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 75.9804% | 1,004 |
| Net loans and leases to deposits | 86.4078% | 1,545 |
| Net loans and leases to core deposits | 89.0153% | 1,997 |
| Total domestic deposits to total assets | 87.9323% | 2,266 |
| Equity capital to assets | 7.9589% | 6,088 |
| Core capital (leverage) ratio | 7.5662% | 6,314 |
| Tier 1 risk-based capital ratio | 9.8148% | 6,511 |
| Total risk-based capital ratio | 10.2406% | 6,592 |
| Memoranda: | ||
| Average total assets | $43,609,500 | 6,127 |
| Average earning assets | $39,097,000 | 6,126 |
| Average equity | $3,335,000 | 6,383 |
| Average total loans | $34,593,000 | 5,520 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5989% | 1,882 |
| Cost of funding earning assets | 0.4332% | 4,285 |
| Net interest margin | 4.1656% | 1,454 |
| Noninterest income to average assets | 1.8069% | 458 |
| Noninterest expense to average assets | 4.0107% | 865 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0258% | 2,222 |
| Return on assets (ROA) | 1.0258% | 2,284 |
| Pretax return on assets | 1.5399% | 1,326 |
| Return on Equity (ROE) | 12.5496% | 1,263 |
| Retained earnings to average equity (ytd only) | 7.2061% | 1,356 |
| Net charge-offs to loans | -0.0063% | 5,954 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2572% | 3,426 |
| Assets per employee ($millions) | 4.2407% | 3,374 |
| Cash dividends to net income (ytd only)* | 42.5791% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3663% | 6,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 81.6327% | 443 |
| Net loans and leases to deposits | 121.2700% | 64 |
| Net loans and leases to core deposits | 127.9054% | 218 |
| Total domestic deposits to total assets | 67.3148% | 6,605 |
| Equity capital to assets | 7.3765% | 6,339 |
| Core capital (leverage) ratio | 7.9181% | 6,192 |
| Tier 1 risk-based capital ratio | 8.3589% | 6,685 |
| Total risk-based capital ratio | 8.6997% | 6,711 |
| Memoranda: | ||
| Average total assets | $40,068,000 | 6,285 |
| Average earning assets | $36,008,800 | 6,287 |
| Average equity | $3,275,000 | 6,476 |
| Average total loans | $31,715,000 | 5,679 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5183% | 2,161 |
| Cost of funding earning assets | 0.4360% | 4,438 |
| Net interest margin | 4.0823% | 1,684 |
| Noninterest income to average assets | 1.8391% | 468 |
| Noninterest expense to average assets | 3.6332% | 1,341 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2492% | 1,486 |
| Return on assets (ROA) | 1.2492% | 1,560 |
| Pretax return on assets | 1.8773% | 748 |
| Return on Equity (ROE) | 14.8443% | 829 |
| Retained earnings to average equity (ytd only) | 7.6283% | 1,577 |
| Net charge-offs to loans | -0.0089% | 5,867 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9320% | 4,498 |
| Assets per employee ($millions) | 3.5816% | 4,687 |
| Cash dividends to net income (ytd only)* | 48.6114% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4351% | 6,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 81.3062% | 423 |
| Net loans and leases to deposits | 116.3694% | 93 |
| Net loans and leases to core deposits | 123.6843% | 268 |
| Total domestic deposits to total assets | 69.8690% | 6,604 |
| Equity capital to assets | 8.5893% | 5,633 |
| Core capital (leverage) ratio | 8.4562% | 5,807 |
| Tier 1 risk-based capital ratio | 9.9197% | 6,616 |
| Total risk-based capital ratio | 10.3302% | 6,716 |
| Memoranda: | ||
| Average total assets | $38,423,000 | 6,403 |
| Average earning assets | $34,554,500 | 6,402 |
| Average equity | $3,233,500 | 6,562 |
| Average total loans | $30,088,750 | 5,814 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4827% | 2,266 |
| Cost of funding earning assets | 0.4300% | 4,662 |
| Net interest margin | 4.0527% | 1,683 |
| Noninterest income to average assets | 2.0684% | 424 |
| Noninterest expense to average assets | 3.9950% | 870 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1182% | 1,871 |
| Return on assets (ROA) | 1.1182% | 1,986 |
| Pretax return on assets | 1.6851% | 1,147 |
| Return on Equity (ROE) | 13.3822% | 1,149 |
| Retained earnings to average equity (ytd only) | 2.3874% | 4,781 |
| Net charge-offs to loans | -0.0136% | 5,840 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3327% | 3,761 |
| Assets per employee ($millions) | 3.8435% | 4,126 |
| Cash dividends to net income (ytd only)* | 82.1596% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4578% | 6,737 |
| Loan loss allowance to noncurrent loans | 14,000.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 6,574 |
| Noncurrent loans to loans | 0.0033% | 6,445 |
| Net loans and leases to total assets | 79.2039% | 620 |
| Net loans and leases to deposits | 105.2228% | 243 |
| Net loans and leases to core deposits | 111.4887% | 502 |
| Total domestic deposits to total assets | 75.2725% | 6,329 |
| Equity capital to assets | 8.4220% | 5,850 |
| Core capital (leverage) ratio | 8.3514% | 5,824 |
| Tier 1 risk-based capital ratio | 9.9242% | 6,649 |
| Total risk-based capital ratio | 10.3536% | 6,753 |
| Memoranda: | ||
| Average total assets | $38,098,000 | 6,453 |
| Average earning assets | $33,953,000 | 6,468 |
| Average equity | $3,183,330 | 6,622 |
| Average total loans | $29,394,000 | 5,874 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4462% | 2,364 |
| Cost of funding earning assets | 0.4422% | 4,681 |
| Net interest margin | 4.0040% | 1,764 |
| Noninterest income to average assets | 1.4131% | 765 |
| Noninterest expense to average assets | 4.0391% | 848 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6117% | 4,163 |
| Return on assets (ROA) | 0.6117% | 4,324 |
| Pretax return on assets | 0.9069% | 3,734 |
| Return on Equity (ROE) | 7.3499% | 3,290 |
| Retained earnings to average equity (ytd only) | -14.8265% | 6,738 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6631% | 2,090 |
| Assets per employee ($millions) | 4.1028% | 3,739 |
| Cash dividends to net income (ytd only)* | 301.7241% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4726% | 6,810 |
| Loan loss allowance to noncurrent loans | 306.6667% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 6,204 |
| Noncurrent loans to loans | 0.1541% | 6,008 |
| Net loans and leases to total assets | 78.7136% | 540 |
| Net loans and leases to deposits | 91.9749% | 802 |
| Net loans and leases to core deposits | 96.9609% | 1,147 |
| Total domestic deposits to total assets | 85.5816% | 3,752 |
| Equity capital to assets | 8.3927% | 6,109 |
| Core capital (leverage) ratio | 8.1737% | 5,958 |
| Tier 1 risk-based capital ratio | 9.8378% | 6,716 |
| Total risk-based capital ratio | 10.2784% | 6,810 |
| Memoranda: | ||
| Average total assets | $37,929,500 | 6,521 |
| Average earning assets | $33,466,500 | 6,543 |
| Average equity | $3,156,500 | 6,688 |
| Average total loans | $28,800,000 | 5,945 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8086% | 2,157 |
| Cost of funding earning assets | 0.5676% | 4,666 |
| Net interest margin | 4.2409% | 1,539 |
| Noninterest income to average assets | 1.6839% | 570 |
| Noninterest expense to average assets | 3.8364% | 1,194 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2073% | 1,580 |
| Return on assets (ROA) | 1.2073% | 1,743 |
| Pretax return on assets | 1.6257% | 1,317 |
| Return on Equity (ROE) | 15.1174% | 795 |
| Retained earnings to average equity (ytd only) | 6.4978% | 1,823 |
| Net charge-offs to loans | 0.0706% | 4,970 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 30.7000% | 997 |
| Efficiency ratio | 70.2375% | 3,764 |
| Assets per employee ($millions) | 4.3260% | 3,300 |
| Cash dividends to net income (ytd only)* | 57.0175% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4860% | 6,846 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 6,277 |
| Noncurrent loans to loans | 0.1620% | 6,077 |
| Net loans and leases to total assets | 72.5818% | 1,409 |
| Net loans and leases to deposits | 108.3094% | 183 |
| Net loans and leases to core deposits | 115.3664% | 376 |
| Total domestic deposits to total assets | 67.0134% | 6,879 |
| Equity capital to assets | 8.2550% | 6,234 |
| Core capital (leverage) ratio | 8.0002% | 6,194 |
| Tier 1 risk-based capital ratio | 10.1721% | 6,657 |
| Total risk-based capital ratio | 10.6110% | 6,816 |
| Memoranda: | ||
| Average total assets | $37,769,400 | 6,562 |
| Average earning assets | $33,648,200 | 6,566 |
| Average equity | $3,016,400 | 6,778 |
| Average total loans | $28,312,400 | 6,026 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7101% | 2,771 |
| Cost of funding earning assets | 0.5922% | 4,728 |
| Net interest margin | 4.1179% | 2,024 |
| Noninterest income to average assets | 1.4195% | 746 |
| Noninterest expense to average assets | 3.2694% | 2,357 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1669% | 1,844 |
| Return on assets (ROA) | 1.1669% | 2,037 |
| Pretax return on assets | 1.8606% | 943 |
| Return on Equity (ROE) | 14.7395% | 943 |
| Retained earnings to average equity (ytd only) | 3.0556% | 4,723 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7309% | 4,850 |
| Assets per employee ($millions) | 4.2284% | 3,408 |
| Cash dividends to net income (ytd only)* | 79.2692% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5550% | 6,914 |
| Loan loss allowance to noncurrent loans | 222.5352% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 6,242 |
| Noncurrent loans to loans | 0.2494% | 5,989 |
| Net loans and leases to total assets | 74.3956% | 1,188 |
| Net loans and leases to deposits | 107.2831% | 208 |
| Net loans and leases to core deposits | 111.9273% | 499 |
| Total domestic deposits to total assets | 69.3452% | 6,876 |
| Equity capital to assets | 8.1170% | 6,535 |
| Core capital (leverage) ratio | 7.9746% | 6,349 |
| Tier 1 risk-based capital ratio | 9.9179% | 6,815 |
| Total risk-based capital ratio | 10.4284% | 6,929 |
| Memoranda: | ||
| Average total assets | $37,478,250 | 6,650 |
| Average earning assets | $33,770,500 | 6,647 |
| Average equity | $2,967,000 | 6,880 |
| Average total loans | $28,291,250 | 6,099 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 2,985 |
| Cost of funding earning assets | 0.6480% | 4,458 |
| Net interest margin | 4.0364% | 2,357 |
| Noninterest income to average assets | 1.4429% | 697 |
| Noninterest expense to average assets | 3.3149% | 2,272 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1801% | 1,786 |
| Return on assets (ROA) | 1.1801% | 1,988 |
| Pretax return on assets | 1.7701% | 1,094 |
| Return on Equity (ROE) | 15.0359% | 934 |
| Retained earnings to average equity (ytd only) | -2.7338% | 6,436 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1899% | 4,687 |
| Assets per employee ($millions) | 3.9619% | 3,950 |
| Cash dividends to net income (ytd only)* | 118.1818% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5941% | 6,942 |
| Loan loss allowance to noncurrent loans | 207.8947% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 6,249 |
| Noncurrent loans to loans | 0.2858% | 5,996 |
| Net loans and leases to total assets | 74.1397% | 1,224 |
| Net loans and leases to deposits | 91.6898% | 982 |
| Net loans and leases to core deposits | 95.2408% | 1,491 |
| Total domestic deposits to total assets | 80.8593% | 5,516 |
| Equity capital to assets | 8.3013% | 6,379 |
| Core capital (leverage) ratio | 7.7428% | 6,488 |
| Tier 1 risk-based capital ratio | 10.0506% | 6,811 |
| Total risk-based capital ratio | 10.5867% | 6,945 |
| Memoranda: | ||
| Average total assets | $37,285,670 | 6,701 |
| Average earning assets | $33,643,670 | 6,696 |
| Average equity | $2,926,330 | 6,927 |
| Average total loans | $28,231,670 | 6,140 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5035% | 3,894 |
| Cost of funding earning assets | 0.6866% | 4,395 |
| Net interest margin | 3.8169% | 3,306 |
| Noninterest income to average assets | 1.4173% | 724 |
| Noninterest expense to average assets | 3.8215% | 1,181 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8294% | 3,257 |
| Return on assets (ROA) | 0.8294% | 3,484 |
| Pretax return on assets | 1.0394% | 3,539 |
| Return on Equity (ROE) | 10.8610% | 2,080 |
| Retained earnings to average equity (ytd only) | -24.8840% | 7,100 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6177% | 2,411 |
| Assets per employee ($millions) | 3.9640% | 4,089 |
| Cash dividends to net income (ytd only)* | 329.1139% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6195% | 6,967 |
| Loan loss allowance to noncurrent loans | 250.7937% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 6,441 |
| Noncurrent loans to loans | 0.2470% | 6,194 |
| Net loans and leases to total assets | 71.0478% | 1,565 |
| Net loans and leases to deposits | 84.1841% | 1,641 |
| Net loans and leases to core deposits | 87.2981% | 2,135 |
| Total domestic deposits to total assets | 84.3957% | 4,322 |
| Equity capital to assets | 7.8961% | 6,585 |
| Core capital (leverage) ratio | 7.7511% | 6,444 |
| Tier 1 risk-based capital ratio | 10.0984% | 6,854 |
| Total risk-based capital ratio | 10.6640% | 6,974 |
| Memoranda: | ||
| Average total assets | $38,100,000 | 6,732 |
| Average earning assets | $34,373,500 | 6,729 |
| Average equity | $2,909,500 | 6,979 |
| Average total loans | $29,050,500 | 6,162 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0631% | 2,592 |
| Cost of funding earning assets | 0.8407% | 4,541 |
| Net interest margin | 4.2223% | 1,987 |
| Noninterest income to average assets | 1.4558% | 611 |
| Noninterest expense to average assets | 3.7653% | 1,415 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9555% | 2,383 |
| Return on assets (ROA) | 0.9555% | 2,515 |
| Pretax return on assets | 1.4954% | 1,487 |
| Return on Equity (ROE) | 11.6810% | 1,503 |
| Retained earnings to average equity (ytd only) | 3.4905% | 3,736 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5744% | 3,666 |
| Assets per employee ($millions) | 4.0524% | 3,744 |
| Cash dividends to net income (ytd only)* | 70.1183% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4847% | 7,115 |
| Loan loss allowance to noncurrent loans | 267.7966% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 6,591 |
| Noncurrent loans to loans | 0.1810% | 6,383 |
| Net loans and leases to total assets | 80.0464% | 493 |
| Net loans and leases to deposits | 115.0365% | 112 |
| Net loans and leases to core deposits | 119.4550% | 365 |
| Total domestic deposits to total assets | 69.5835% | 7,008 |
| Equity capital to assets | 7.4080% | 6,854 |
| Core capital (leverage) ratio | 8.3435% | 5,788 |
| Tier 1 risk-based capital ratio | 8.5603% | 7,076 |
| Total risk-based capital ratio | 9.0108% | 7,126 |
| Memoranda: | ||
| Average total assets | $35,375,800 | 6,817 |
| Average earning assets | $31,878,000 | 6,814 |
| Average equity | $2,893,600 | 7,033 |
| Average total loans | $28,451,000 | 6,223 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1590% | 2,348 |
| Cost of funding earning assets | 0.8859% | 4,504 |
| Net interest margin | 4.2731% | 1,814 |
| Noninterest income to average assets | 1.5176% | 570 |
| Noninterest expense to average assets | 3.3872% | 2,225 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3298% | 1,308 |
| Return on assets (ROA) | 1.3298% | 1,395 |
| Pretax return on assets | 1.9791% | 650 |
| Return on Equity (ROE) | 15.8144% | 707 |
| Retained earnings to average equity (ytd only) | 4.7909% | 3,319 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1195% | 5,217 |
| Assets per employee ($millions) | 3.7946% | 4,313 |
| Cash dividends to net income (ytd only)* | 69.7057% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5656% | 7,119 |
| Loan loss allowance to noncurrent loans | 343.4783% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 6,708 |
| Noncurrent loans to loans | 0.1647% | 6,535 |
| Net loans and leases to total assets | 81.3329% | 408 |
| Net loans and leases to deposits | 107.4548% | 222 |
| Net loans and leases to core deposits | 112.0859% | 603 |
| Total domestic deposits to total assets | 75.6903% | 6,565 |
| Equity capital to assets | 8.7962% | 5,984 |
| Core capital (leverage) ratio | 8.7019% | 5,407 |
| Tier 1 risk-based capital ratio | 10.0163% | 6,951 |
| Total risk-based capital ratio | 10.5432% | 7,077 |
| Memoranda: | ||
| Average total assets | $34,088,750 | 6,920 |
| Average earning assets | $30,702,750 | 6,915 |
| Average equity | $2,866,500 | 7,103 |
| Average total loans | $27,414,750 | 6,333 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0877% | 2,741 |
| Cost of funding earning assets | 0.9013% | 4,658 |
| Net interest margin | 4.1864% | 2,088 |
| Noninterest income to average assets | 1.5733% | 519 |
| Noninterest expense to average assets | 3.4813% | 2,029 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2681% | 1,399 |
| Return on assets (ROA) | 1.2681% | 1,464 |
| Pretax return on assets | 1.8551% | 777 |
| Return on Equity (ROE) | 15.3155% | 743 |
| Retained earnings to average equity (ytd only) | -1.4890% | 6,154 |
| Net charge-offs to loans | -0.0073% | 6,635 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2365% | 5,017 |
| Assets per employee ($millions) | 3.9747% | 3,810 |
| Cash dividends to net income (ytd only)* | 109.7222% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5730% | 7,174 |
| Loan loss allowance to noncurrent loans | 230.4348% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 6,623 |
| Noncurrent loans to loans | 0.2486% | 6,421 |
| Net loans and leases to total assets | 77.1302% | 896 |
| Net loans and leases to deposits | 103.9757% | 317 |
| Net loans and leases to core deposits | 108.3317% | 794 |
| Total domestic deposits to total assets | 74.1809% | 6,821 |
| Equity capital to assets | 8.0566% | 6,636 |
| Core capital (leverage) ratio | 8.1670% | 6,077 |
| Tier 1 risk-based capital ratio | 9.5207% | 7,099 |
| Total risk-based capital ratio | 10.0463% | 7,196 |
| Memoranda: | ||
| Average total assets | $34,068,000 | 6,987 |
| Average earning assets | $30,623,000 | 6,976 |
| Average equity | $2,820,670 | 7,176 |
| Average total loans | $27,241,670 | 6,402 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9700% | 3,249 |
| Cost of funding earning assets | 0.9344% | 4,692 |
| Net interest margin | 4.0356% | 2,540 |
| Noninterest income to average assets | 1.4451% | 610 |
| Noninterest expense to average assets | 4.2871% | 735 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5178% | 4,414 |
| Return on assets (ROA) | 0.5178% | 4,499 |
| Pretax return on assets | 0.7466% | 4,113 |
| Return on Equity (ROE) | 6.1649% | 3,808 |
| Retained earnings to average equity (ytd only) | -27.8136% | 7,271 |
| Net charge-offs to loans | -0.0148% | 6,476 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1675% | 1,816 |
| Assets per employee ($millions) | 3.3658% | 5,331 |
| Cash dividends to net income (ytd only)* | 551.1628% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6121% | 7,189 |
| Loan loss allowance to noncurrent loans | 209.2105% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 6,609 |
| Noncurrent loans to loans | 0.2926% | 6,401 |
| Net loans and leases to total assets | 76.7069% | 922 |
| Net loans and leases to deposits | 93.9417% | 832 |
| Net loans and leases to core deposits | 99.2504% | 1,403 |
| Total domestic deposits to total assets | 81.6537% | 5,437 |
| Equity capital to assets | 7.9922% | 6,502 |
| Core capital (leverage) ratio | 8.0310% | 6,216 |
| Tier 1 risk-based capital ratio | 9.5779% | 7,128 |
| Total risk-based capital ratio | 10.1405% | 7,236 |
| Memoranda: | ||
| Average total assets | $33,216,000 | 7,064 |
| Average earning assets | $29,537,000 | 7,065 |
| Average equity | $2,790,000 | 7,228 |
| Average total loans | $26,987,500 | 6,472 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4758% | 2,376 |
| Cost of funding earning assets | 1.0889% | 5,196 |
| Net interest margin | 4.3868% | 1,522 |
| Noninterest income to average assets | 1.5063% | 641 |
| Noninterest expense to average assets | 4.4419% | 688 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5606% | 3,845 |
| Return on assets (ROA) | 0.5606% | 4,001 |
| Pretax return on assets | 0.9857% | 2,978 |
| Return on Equity (ROE) | 6.2235% | 3,501 |
| Retained earnings to average equity (ytd only) | -3.5221% | 6,156 |
| Net charge-offs to loans | 0.0335% | 6,468 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 35.5556% | 643 |
| Efficiency ratio | 81.8388% | 2,189 |
| Assets per employee ($millions) | 3.2774% | 5,478 |
| Cash dividends to net income (ytd only)* | 156.5934% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5643% | 7,306 |
| Loan loss allowance to noncurrent loans | 213.5135% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 6,667 |
| Noncurrent loans to loans | 0.2643% | 6,536 |
| Net loans and leases to total assets | 84.9454% | 244 |
| Net loans and leases to deposits | 106.7730% | 298 |
| Net loans and leases to core deposits | 113.1477% | 768 |
| Total domestic deposits to total assets | 79.5570% | 5,951 |
| Equity capital to assets | 8.8180% | 5,404 |
| Core capital (leverage) ratio | 9.6819% | 3,450 |
| Tier 1 risk-based capital ratio | 9.8166% | 7,048 |
| Total risk-based capital ratio | 10.3512% | 7,230 |
| Memoranda: | ||
| Average total assets | $32,463,400 | 7,132 |
| Average earning assets | $29,018,800 | 7,125 |
| Average equity | $2,924,400 | 7,298 |
| Average total loans | $26,900,600 | 6,561 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4351% | 2,721 |
| Cost of funding earning assets | 1.1017% | 5,405 |
| Net interest margin | 4.3335% | 1,737 |
| Noninterest income to average assets | 1.5150% | 597 |
| Noninterest expense to average assets | 4.0469% | 991 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8851% | 2,670 |
| Return on assets (ROA) | 0.8851% | 2,812 |
| Pretax return on assets | 1.3709% | 1,966 |
| Return on Equity (ROE) | 9.7736% | 2,218 |
| Retained earnings to average equity (ytd only) | -3.1821% | 6,377 |
| Net charge-offs to loans | -0.0050% | 7,209 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6960% | 3,200 |
| Assets per employee ($millions) | 4.1978% | 3,449 |
| Cash dividends to net income (ytd only)* | 132.5577% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6216% | 7,322 |
| Loan loss allowance to noncurrent loans | 43.7500% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 1.1435% | 4,830 |
| Noncurrent loans to loans | 1.4207% | 4,484 |
| Net loans and leases to total assets | 79.9833% | 754 |
| Net loans and leases to deposits | 115.2097% | 171 |
| Net loans and leases to core deposits | 122.9628% | 526 |
| Total domestic deposits to total assets | 69.4241% | 7,303 |
| Equity capital to assets | 8.7577% | 5,918 |
| Core capital (leverage) ratio | 8.8315% | 4,953 |
| Tier 1 risk-based capital ratio | 10.2562% | 6,927 |
| Total risk-based capital ratio | 10.8435% | 7,222 |
| Memoranda: | ||
| Average total assets | $32,385,750 | 7,217 |
| Average earning assets | $29,167,500 | 7,203 |
| Average equity | $2,933,000 | 7,391 |
| Average total loans | $26,626,250 | 6,670 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3467% | 3,230 |
| Cost of funding earning assets | 1.0996% | 5,671 |
| Net interest margin | 4.2471% | 1,976 |
| Noninterest income to average assets | 1.5444% | 536 |
| Noninterest expense to average assets | 4.5456% | 546 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5627% | 4,026 |
| Return on assets (ROA) | 0.5627% | 4,176 |
| Pretax return on assets | 0.8629% | 3,649 |
| Return on Equity (ROE) | 6.1427% | 3,732 |
| Retained earnings to average equity (ytd only) | -13.3091% | 7,048 |
| Net charge-offs to loans | -0.0075% | 7,162 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0462% | 1,918 |
| Assets per employee ($millions) | 3.5112% | 4,903 |
| Cash dividends to net income (ytd only)* | 316.6667% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6298% | 7,368 |
| Loan loss allowance to noncurrent loans | 175.0000% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 6,648 |
| Noncurrent loans to loans | 0.3599% | 6,514 |
| Net loans and leases to total assets | 83.8803% | 367 |
| Net loans and leases to deposits | 109.5919% | 288 |
| Net loans and leases to core deposits | 116.6733% | 821 |
| Total domestic deposits to total assets | 76.5387% | 6,595 |
| Equity capital to assets | 8.9301% | 5,557 |
| Core capital (leverage) ratio | 9.1466% | 4,378 |
| Tier 1 risk-based capital ratio | 10.1544% | 6,939 |
| Total risk-based capital ratio | 10.7617% | 7,263 |
| Memoranda: | ||
| Average total assets | $31,987,000 | 7,282 |
| Average earning assets | $29,102,000 | 7,255 |
| Average equity | $2,930,330 | 7,437 |
| Average total loans | $26,492,330 | 6,719 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1746% | 4,162 |
| Cost of funding earning assets | 1.1118% | 5,843 |
| Net interest margin | 4.0628% | 2,600 |
| Noninterest income to average assets | 1.5662% | 497 |
| Noninterest expense to average assets | 5.7303% | 245 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.4848% | 6,815 |
| Return on assets (ROA) | -0.4848% | 6,841 |
| Pretax return on assets | -0.4848% | 6,767 |
| Return on Equity (ROE) | -5.2270% | 6,895 |
| Retained earnings to average equity (ytd only) | -5.2270% | 6,601 |
| Net charge-offs to loans | -0.0152% | 7,000 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.2417% | 619 |
| Assets per employee ($millions) | 3.4144% | 5,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7132% | 7,311 |
| Loan loss allowance to noncurrent loans | 190.9091% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 6,759 |
| Noncurrent loans to loans | 0.3736% | 6,544 |
| Net loans and leases to total assets | 76.1113% | 1,520 |
| Net loans and leases to deposits | 93.3842% | 1,423 |
| Net loans and leases to core deposits | 99.1858% | 2,217 |
| Total domestic deposits to total assets | 81.5034% | 5,266 |
| Equity capital to assets | 9.6486% | 4,307 |
| Core capital (leverage) ratio | 9.5605% | 3,689 |
| Tier 1 risk-based capital ratio | 11.8723% | 5,324 |
| Total risk-based capital ratio | 12.5450% | 5,826 |
| Memoranda: | ||
| Average total assets | $32,180,000 | 7,370 |
| Average earning assets | $29,142,500 | 7,349 |
| Average equity | $2,984,500 | 7,498 |
| Average total loans | $26,401,000 | 6,813 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4125% | 4,635 |
| Cost of funding earning assets | 1.7816% | 4,092 |
| Net interest margin | 3.6309% | 4,428 |
| Noninterest income to average assets | 2.2387% | 318 |
| Noninterest expense to average assets | 4.1792% | 1,116 |
| Loan and lease loss provision to assets | 0.0615% | 6,950 |
| Net operating income to assets | 0.8549% | 2,334 |
| Return on assets (ROA) | 0.8549% | 2,410 |
| Pretax return on assets | 1.2947% | 1,707 |
| Return on Equity (ROE) | 9.7230% | 1,772 |
| Retained earnings to average equity (ytd only) | 8.8836% | 514 |
| Net charge-offs to loans | 0.0593% | 6,501 |
| Credit loss provision to net charge-offs | 125.0000% | 4,187 |
| Earnings coverage of net charge-offs (x) | 27.5625% | 824 |
| Efficiency ratio | 75.5000% | 3,616 |
| Assets per employee ($millions) | 3.7367% | 4,432 |
| Cash dividends to net income (ytd only)* | 8.6331% | 3,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5710% | 7,595 |
| Loan loss allowance to noncurrent loans | 173.9583% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.2855% | 6,736 |
| Noncurrent loans to loans | 0.3283% | 6,621 |
| Net loans and leases to total assets | 86.4645% | 251 |
| Net loans and leases to deposits | 117.7009% | 205 |
| Net loans and leases to core deposits | 143.8508% | 680 |
| Total domestic deposits to total assets | 73.4612% | 7,092 |
| Equity capital to assets | 8.9325% | 5,246 |
| Core capital (leverage) ratio | 10.0093% | 3,081 |
| Tier 1 risk-based capital ratio | 9.8534% | 6,983 |
| Total risk-based capital ratio | 10.4012% | 7,411 |
| Memoranda: | ||
| Average total assets | $32,518,400 | 7,380 |
| Average earning assets | $29,524,400 | 7,375 |
| Average equity | $2,859,200 | 7,626 |
| Average total loans | $26,989,000 | 6,805 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4046% | 4,926 |
| Cost of funding earning assets | 2.0012% | 3,351 |
| Net interest margin | 3.4034% | 5,249 |
| Noninterest income to average assets | 2.2621% | 309 |
| Noninterest expense to average assets | 3.6310% | 1,957 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0628% | 1,852 |
| Return on assets (ROA) | 1.0628% | 1,910 |
| Pretax return on assets | 1.7328% | 909 |
| Return on Equity (ROE) | 12.1382% | 1,321 |
| Retained earnings to average equity (ytd only) | 12.1382% | 333 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6947% | 5,043 |
| Assets per employee ($millions) | 3.3473% | 5,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6029% | 7,576 |
| Loan loss allowance to noncurrent loans | 183.1461% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.2954% | 6,748 |
| Noncurrent loans to loans | 0.3292% | 6,703 |
| Net loans and leases to total assets | 89.2087% | 148 |
| Net loans and leases to deposits | 123.7168% | 150 |
| Net loans and leases to core deposits | 149.1978% | 598 |
| Total domestic deposits to total assets | 72.1071% | 7,197 |
| Equity capital to assets | 9.9847% | 4,108 |
| Core capital (leverage) ratio | 10.0575% | 3,226 |
| Tier 1 risk-based capital ratio | 11.0123% | 5,942 |
| Total risk-based capital ratio | 11.6090% | 6,556 |
| Memoranda: | ||
| Average total assets | $32,240,500 | 7,456 |
| Average earning assets | $29,381,750 | 7,443 |
| Average equity | $2,823,000 | 7,712 |
| Average total loans | $26,425,000 | 6,888 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2454% | 5,892 |
| Cost of funding earning assets | 2.2978% | 2,364 |
| Net interest margin | 2.9476% | 6,689 |
| Noninterest income to average assets | 1.2566% | 967 |
| Noninterest expense to average assets | 3.5331% | 2,235 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2853% | 4,962 |
| Return on assets (ROA) | 0.2853% | 5,062 |
| Pretax return on assets | 0.3946% | 4,952 |
| Return on Equity (ROE) | 3.4042% | 4,748 |
| Retained earnings to average equity (ytd only) | 3.4042% | 3,427 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9536% | 1,819 |
| Assets per employee ($millions) | 3.3453% | 5,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6221% | 7,592 |
| Loan loss allowance to noncurrent loans | 196.3855% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 6,786 |
| Noncurrent loans to loans | 0.3168% | 6,718 |
| Net loans and leases to total assets | 86.4886% | 331 |
| Net loans and leases to deposits | 110.2316% | 542 |
| Net loans and leases to core deposits | 128.8854% | 1,662 |
| Total domestic deposits to total assets | 78.4609% | 5,962 |
| Equity capital to assets | 9.2932% | 4,881 |
| Core capital (leverage) ratio | 8.4783% | 5,485 |
| Tier 1 risk-based capital ratio | 10.4745% | 6,398 |
| Total risk-based capital ratio | 11.0849% | 7,039 |
| Memoranda: | ||
| Average total assets | $32,945,330 | 7,489 |
| Average earning assets | $29,855,000 | 7,486 |
| Average equity | $2,761,330 | 7,802 |
| Average total loans | $26,220,670 | 6,954 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1564% | 6,462 |
| Cost of funding earning assets | 2.2135% | 3,102 |
| Net interest margin | 2.9429% | 6,634 |
| Noninterest income to average assets | 1.2222% | 962 |
| Noninterest expense to average assets | 4.1206% | 1,038 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.2212% | 6,586 |
| Return on assets (ROA) | -0.2212% | 6,661 |
| Pretax return on assets | -0.2212% | 6,593 |
| Return on Equity (ROE) | -2.7707% | 6,751 |
| Retained earnings to average equity (ytd only) | -2.7707% | 6,236 |
| Net charge-offs to loans | -0.0305% | 7,558 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6716% | 933 |
| Assets per employee ($millions) | 4.2370% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6670% | 7,535 |
| Loan loss allowance to noncurrent loans | 143.4783% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3393% | 6,499 |
| Noncurrent loans to loans | 0.4649% | 6,253 |
| Net loans and leases to total assets | 72.4953% | 3,124 |
| Net loans and leases to deposits | 100.4127% | 1,354 |
| Net loans and leases to core deposits | 116.8418% | 2,697 |
| Total domestic deposits to total assets | 72.1973% | 7,178 |
| Equity capital to assets | 8.0658% | 6,720 |
| Core capital (leverage) ratio | 8.0966% | 6,298 |
| Tier 1 risk-based capital ratio | 10.4869% | 6,409 |
| Total risk-based capital ratio | 11.1201% | 6,961 |
| Memoranda: | ||
| Average total assets | $34,364,000 | 7,476 |
| Average earning assets | $31,262,000 | 7,462 |
| Average equity | $2,743,000 | 7,860 |
| Average total loans | $26,229,500 | 6,994 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4802% | 3,063 |
| Cost of funding earning assets | 2.9086% | 2,228 |
| Net interest margin | 3.5715% | 5,003 |
| Noninterest income to average assets | 1.3548% | 785 |
| Noninterest expense to average assets | 3.8158% | 1,729 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4243% | 5,056 |
| Return on assets (ROA) | 0.4243% | 4,875 |
| Pretax return on assets | 0.7395% | 4,282 |
| Return on Equity (ROE) | 5.0309% | 4,373 |
| Retained earnings to average equity (ytd only) | 1.1499% | 4,542 |
| Net charge-offs to loans | 0.0072% | 6,852 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 374 |
| Efficiency ratio | 83.7658% | 2,083 |
| Assets per employee ($millions) | 4.3540% | 2,875 |
| Cash dividends to net income (ytd only)* | 77.1429% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5880% | 7,698 |
| Loan loss allowance to noncurrent loans | 150.9259% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3101% | 6,362 |
| Noncurrent loans to loans | 0.3896% | 6,173 |
| Net loans and leases to total assets | 79.1169% | 1,857 |
| Net loans and leases to deposits | 108.5773% | 933 |
| Net loans and leases to core deposits | 125.1328% | 2,239 |
| Total domestic deposits to total assets | 72.8669% | 6,851 |
| Equity capital to assets | 7.9008% | 6,974 |
| Core capital (leverage) ratio | 8.1957% | 6,174 |
| Tier 1 risk-based capital ratio | 9.4550% | 7,363 |
| Total risk-based capital ratio | 10.0155% | 7,998 |
| Memoranda: | ||
| Average total assets | $32,994,800 | 7,508 |
| Average earning assets | $29,567,200 | 7,539 |
| Average equity | $2,782,800 | 7,898 |
| Average total loans | $27,694,200 | 6,863 |