Home > Buckley State Bank > Performance and Condition Ratios
Buckley State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0795% | 3,841 |
| Cost of funding earning assets | 0.4165% | 4,275 |
| Net interest margin | 3.6630% | 1,828 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.1904% | 3,155 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1974% | 1,657 |
| Return on assets (ROA) | 1.1974% | 1,636 |
| Pretax return on assets | 1.4803% | 1,470 |
| Return on Equity (ROE) | 11.7400% | 2,027 |
| Retained earnings to average equity (ytd only) | 6.6039% | 2,019 |
| 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 | 59.6718% | 3,120 |
| Assets per employee ($millions) | 6.8696% | 2,157 |
| Cash dividends to net income (ytd only)* | 43.7500% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 2,568 |
| 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 | 51.9200% | 3,481 |
| Net loans and leases to deposits | 59.0013% | 3,579 |
| Net loans and leases to core deposits | 59.9521% | 3,765 |
| Total domestic deposits to total assets | 88.0100% | 1,353 |
| Equity capital to assets | 10.3736% | 1,800 |
| Core capital (leverage) ratio | 10.5369% | 2,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $54,785,600 | 4,265 |
| Average earning assets | $52,579,600 | 4,223 |
| Average equity | $5,587,600 | 4,201 |
| Average total loans | $24,244,400 | 4,229 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0256% | 3,804 |
| Cost of funding earning assets | 0.3588% | 4,306 |
| Net interest margin | 3.6668% | 1,849 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.8876% | 3,826 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4151% | 1,286 |
| Return on assets (ROA) | 1.4151% | 1,269 |
| Pretax return on assets | 1.7731% | 1,043 |
| Return on Equity (ROE) | 13.9300% | 1,673 |
| Retained earnings to average equity (ytd only) | 11.6080% | 1,046 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.5635% | 3,791 |
| Assets per employee ($millions) | 7.7123% | 1,503 |
| Cash dividends to net income (ytd only)* | 16.6954% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 1,693 |
| 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 | 45.1000% | 3,867 |
| Net loans and leases to deposits | 50.5807% | 3,915 |
| Net loans and leases to core deposits | 51.0731% | 4,009 |
| Total domestic deposits to total assets | 89.1500% | 1,200 |
| Equity capital to assets | 10.7732% | 1,446 |
| Core capital (leverage) ratio | 10.7065% | 2,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $54,742,750 | 4,279 |
| Average earning assets | $52,396,250 | 4,240 |
| Average equity | $5,559,250 | 4,212 |
| Average total loans | $23,088,750 | 4,271 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 3,291 |
| Cost of funding earning assets | 0.3379% | 4,261 |
| Net interest margin | 3.8656% | 1,498 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.8620% | 3,890 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2983% | 1,571 |
| Return on assets (ROA) | 1.2983% | 1,557 |
| Pretax return on assets | 1.7783% | 1,053 |
| Return on Equity (ROE) | 13.0400% | 1,893 |
| Retained earnings to average equity (ytd only) | 9.5000% | 1,542 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.1489% | 3,842 |
| Assets per employee ($millions) | 7.7873% | 1,425 |
| Cash dividends to net income (ytd only)* | 27.1709% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 1,066 |
| 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 | 38.8300% | 4,080 |
| Net loans and leases to deposits | 43.3238% | 4,126 |
| Net loans and leases to core deposits | 43.7375% | 4,184 |
| Total domestic deposits to total assets | 89.6200% | 1,044 |
| Equity capital to assets | 10.2585% | 1,708 |
| Core capital (leverage) ratio | 9.8834% | 2,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $54,995,000 | 4,300 |
| Average earning assets | $49,720,667 | 4,299 |
| Average equity | $5,473,667 | 4,246 |
| Average total loans | $22,559,667 | 4,294 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0201% | 3,412 |
| Cost of funding earning assets | 0.3056% | 4,182 |
| Net interest margin | 3.7145% | 1,869 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.8538% | 3,943 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2021% | 1,926 |
| Return on assets (ROA) | 1.2021% | 1,885 |
| Pretax return on assets | 1.7235% | 1,228 |
| Return on Equity (ROE) | 12.2600% | 2,152 |
| Retained earnings to average equity (ytd only) | 12.2634% | 1,220 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.8219% | 3,795 |
| Assets per employee ($millions) | 8.2240% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6389% | 928 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 34.5100% | 4,250 |
| Net loans and leases to deposits | 38.2097% | 4,272 |
| Net loans and leases to core deposits | 38.5501% | 4,306 |
| Total domestic deposits to total assets | 90.3100% | 1,045 |
| Equity capital to assets | 9.5487% | 2,102 |
| Core capital (leverage) ratio | 9.3250% | 3,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $55,237,000 | 4,362 |
| Average earning assets | $51,043,500 | 4,343 |
| Average equity | $5,414,500 | 4,312 |
| Average total loans | $23,091,500 | 4,347 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7523% | 4,367 |
| Cost of funding earning assets | 0.1286% | 4,237 |
| Net interest margin | 2.6237% | 4,144 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.8058% | 4,024 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.5575% | 3,973 |
| Return on assets (ROA) | 0.3950% | 4,213 |
| Pretax return on assets | 0.5493% | 4,101 |
| Return on Equity (ROE) | 4.0100% | 4,164 |
| Retained earnings to average equity (ytd only) | 0.3546% | 4,293 |
| Net charge-offs to loans | 0.0076% | 2,113 |
| Credit loss provision to net charge-offs | 2,700.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 232.5000% | 575 |
| Efficiency ratio | 67.8867% | 1,980 |
| Assets per employee ($millions) | 7.5580% | 1,579 |
| Cash dividends to net income (ytd only)* | 91.1628% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 2,020 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 48.4900% | 3,637 |
| Net loans and leases to deposits | 53.9322% | 3,681 |
| Net loans and leases to core deposits | 54.9381% | 3,772 |
| Total domestic deposits to total assets | 89.9100% | 1,404 |
| Equity capital to assets | 10.0783% | 1,678 |
| Core capital (leverage) ratio | 9.9770% | 2,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $54,434,400 | 4,393 |
| Average earning assets | $52,102,000 | 4,352 |
| Average equity | $5,358,400 | 4,398 |
| Average total loans | $26,262,200 | 4,298 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5779% | 4,407 |
| Cost of funding earning assets | 0.0979% | 4,302 |
| Net interest margin | 2.4800% | 4,225 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 1.6588% | 4,228 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.5692% | 3,914 |
| Return on assets (ROA) | 0.5692% | 3,868 |
| Pretax return on assets | 0.7491% | 3,694 |
| Return on Equity (ROE) | 5.8200% | 3,829 |
| Retained earnings to average equity (ytd only) | 3.3798% | 3,677 |
| Net charge-offs to loans | 0.0101% | 1,741 |
| Credit loss provision to net charge-offs | 2,700.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 181.0000% | 661 |
| Efficiency ratio | 65.3257% | 2,363 |
| Assets per employee ($millions) | 7.6730% | 1,504 |
| Cash dividends to net income (ytd only)* | 41.8803% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 2,225 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 48.3600% | 3,594 |
| Net loans and leases to deposits | 55.4768% | 3,518 |
| Net loans and leases to core deposits | 56.5258% | 3,595 |
| Total domestic deposits to total assets | 87.1800% | 2,704 |
| Equity capital to assets | 10.1432% | 1,545 |
| Core capital (leverage) ratio | 9.9947% | 2,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $54,816,500 | 4,425 |
| Average earning assets | $53,116,250 | 4,374 |
| Average equity | $5,365,000 | 4,434 |
| Average total loans | $26,331,250 | 4,328 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4134% | 4,450 |
| Cost of funding earning assets | 0.0782% | 4,395 |
| Net interest margin | 2.3352% | 4,296 |
| Noninterest income to average assets | 0.1450% | 4,294 |
| Noninterest expense to average assets | 1.7831% | 4,003 |
| Loan and lease loss provision to assets | 0.1957% | 429 |
| Net operating income to assets | 0.4385% | 4,030 |
| Return on assets (ROA) | 0.4385% | 3,985 |
| Pretax return on assets | 0.4385% | 4,100 |
| Return on Equity (ROE) | 4.5341% | 3,901 |
| Retained earnings to average equity (ytd only) | 0.8619% | 4,023 |
| Net charge-offs to loans | 0.0152% | 1,455 |
| Credit loss provision to net charge-offs | 2,700.0000% | 196 |
| Earnings coverage of net charge-offs (x) | 87.5000% | 882 |
| Efficiency ratio | 73.7631% | 1,534 |
| Assets per employee ($millions) | 8.0171% | 1,296 |
| Cash dividends to net income (ytd only)* | 80.9917% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 2,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 46.3043% | 3,694 |
| Net loans and leases to deposits | 51.1707% | 3,747 |
| Net loans and leases to core deposits | 52.0615% | 3,819 |
| Total domestic deposits to total assets | 90.4900% | 1,472 |
| Equity capital to assets | 9.5082% | 2,008 |
| Core capital (leverage) ratio | 9.4402% | 2,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,185,000 | 4,464 |
| Average earning assets | $53,699,333 | 4,428 |
| Average equity | $5,337,333 | 4,489 |
| Average total loans | $26,339,000 | 4,387 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2500% | 4,500 |
| Cost of funding earning assets | 0.0825% | 4,323 |
| Net interest margin | 2.1675% | 4,381 |
| Noninterest income to average assets | 0.1170% | 4,421 |
| Noninterest expense to average assets | 1.7033% | 4,129 |
| Loan and lease loss provision to assets | 0.1535% | 512 |
| Net operating income to assets | 0.3728% | 4,014 |
| Return on assets (ROA) | 0.3728% | 3,977 |
| Pretax return on assets | 0.3728% | 4,078 |
| Return on Equity (ROE) | 3.8217% | 3,925 |
| Retained earnings to average equity (ytd only) | 3.8217% | 3,004 |
| Net charge-offs to loans | 0.0304% | 1,007 |
| Credit loss provision to net charge-offs | 1,050.0000% | 320 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,051 |
| Efficiency ratio | 76.3934% | 1,477 |
| Assets per employee ($millions) | 8.1527% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 2,324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 39.4189% | 4,048 |
| Net loans and leases to deposits | 43.5286% | 4,091 |
| Net loans and leases to core deposits | 44.2695% | 4,149 |
| Total domestic deposits to total assets | 90.5588% | 1,262 |
| Equity capital to assets | 9.3991% | 2,362 |
| Core capital (leverage) ratio | 9.2983% | 3,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,717,500 | 4,489 |
| Average earning assets | $53,333,500 | 4,448 |
| Average equity | $5,338,000 | 4,532 |
| Average total loans | $26,350,000 | 4,405 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7070% | 4,307 |
| Cost of funding earning assets | 0.1172% | 4,253 |
| Net interest margin | 2.5898% | 4,064 |
| Noninterest income to average assets | 0.1496% | 4,400 |
| Noninterest expense to average assets | 2.1682% | 3,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4927% | 4,109 |
| Return on assets (ROA) | 0.4927% | 4,151 |
| Pretax return on assets | 0.4927% | 4,271 |
| Return on Equity (ROE) | 4.6244% | 4,079 |
| Retained earnings to average equity (ytd only) | 1.8348% | 4,030 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4843% | 723 |
| Assets per employee ($millions) | 6.5499% | 2,292 |
| Cash dividends to net income (ytd only)* | 60.3239% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7189% | 4,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 56.6633% | 2,519 |
| Net loans and leases to deposits | 63.1643% | 2,766 |
| Net loans and leases to core deposits | 64.3456% | 2,949 |
| Total domestic deposits to total assets | 89.7078% | 1,108 |
| Equity capital to assets | 10.2616% | 2,413 |
| Core capital (leverage) ratio | 10.2695% | 2,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,134,200 | 4,560 |
| Average earning assets | $48,614,400 | 4,520 |
| Average equity | $5,341,200 | 4,596 |
| Average total loans | $27,227,400 | 4,425 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7118% | 4,395 |
| Cost of funding earning assets | 0.1277% | 4,278 |
| Net interest margin | 2.5841% | 4,158 |
| Noninterest income to average assets | 0.1318% | 4,537 |
| Noninterest expense to average assets | 2.1223% | 3,302 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5138% | 4,176 |
| Return on assets (ROA) | 0.5138% | 4,222 |
| Pretax return on assets | 0.5138% | 4,355 |
| Return on Equity (ROE) | 4.7759% | 4,169 |
| Retained earnings to average equity (ytd only) | 3.5006% | 3,741 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5102% | 715 |
| Assets per employee ($millions) | 5.6428% | 3,047 |
| Cash dividends to net income (ytd only)* | 26.7016% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7553% | 4,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 55.6306% | 2,772 |
| Net loans and leases to deposits | 62.3114% | 3,006 |
| Net loans and leases to core deposits | 63.9460% | 3,147 |
| Total domestic deposits to total assets | 89.2783% | 1,132 |
| Equity capital to assets | 10.6705% | 2,293 |
| Core capital (leverage) ratio | 10.6093% | 1,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,568,000 | 4,627 |
| Average earning assets | $48,036,250 | 4,593 |
| Average equity | $5,332,250 | 4,663 |
| Average total loans | $26,557,750 | 4,502 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6981% | 4,456 |
| Cost of funding earning assets | 0.1385% | 4,292 |
| Net interest margin | 2.5596% | 4,237 |
| Noninterest income to average assets | 0.1261% | 4,572 |
| Noninterest expense to average assets | 2.1643% | 3,200 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4434% | 4,313 |
| Return on assets (ROA) | 0.4434% | 4,355 |
| Pretax return on assets | 0.4434% | 4,460 |
| Return on Equity (ROE) | 4.1106% | 4,313 |
| Retained earnings to average equity (ytd only) | 2.1873% | 4,069 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9953% | 614 |
| Assets per employee ($millions) | 6.3941% | 2,237 |
| Cash dividends to net income (ytd only)* | 46.7890% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8332% | 4,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 50.0264% | 3,555 |
| Net loans and leases to deposits | 55.8758% | 3,719 |
| Net loans and leases to core deposits | 57.3240% | 3,807 |
| Total domestic deposits to total assets | 89.5314% | 1,013 |
| Equity capital to assets | 10.4334% | 2,455 |
| Core capital (leverage) ratio | 10.3944% | 2,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,162,333 | 4,660 |
| Average earning assets | $47,663,667 | 4,628 |
| Average equity | $5,303,333 | 4,694 |
| Average total loans | $25,921,333 | 4,551 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4535% | 4,680 |
| Cost of funding earning assets | 0.1544% | 4,278 |
| Net interest margin | 2.2991% | 4,523 |
| Noninterest income to average assets | 0.1163% | 4,601 |
| Noninterest expense to average assets | 2.2173% | 3,056 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1246% | 4,694 |
| Return on assets (ROA) | 0.1246% | 4,710 |
| Pretax return on assets | 0.1246% | 4,714 |
| Return on Equity (ROE) | 1.1350% | 4,698 |
| Retained earnings to average equity (ytd only) | 1.1350% | 4,192 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6809% | 276 |
| Assets per employee ($millions) | 6.3509% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8107% | 4,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 48.1607% | 3,801 |
| Net loans and leases to deposits | 53.8017% | 3,951 |
| Net loans and leases to core deposits | 55.1924% | 4,032 |
| Total domestic deposits to total assets | 89.5152% | 1,062 |
| Equity capital to assets | 10.4198% | 2,345 |
| Core capital (leverage) ratio | 10.6389% | 1,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6875% | 826 |
| Memoranda: | ||
| Average total assets | $48,167,000 | 4,690 |
| Average earning assets | $46,626,500 | 4,653 |
| Average equity | $5,286,500 | 4,720 |
| Average total loans | $25,979,500 | 4,575 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0638% | 4,589 |
| Cost of funding earning assets | 0.2903% | 4,197 |
| Net interest margin | 2.7735% | 4,293 |
| Noninterest income to average assets | 0.1547% | 4,519 |
| Noninterest expense to average assets | 2.3714% | 3,201 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4526% | 4,135 |
| Return on assets (ROA) | 0.4526% | 4,213 |
| Pretax return on assets | 0.4526% | 4,349 |
| Return on Equity (ROE) | 3.7064% | 4,223 |
| Retained earnings to average equity (ytd only) | 0.9266% | 4,249 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9738% | 634 |
| Assets per employee ($millions) | 5.6909% | 2,635 |
| Cash dividends to net income (ytd only)* | 75.0000% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7145% | 4,565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 59.5141% | 2,919 |
| Net loans and leases to deposits | 67.3419% | 3,150 |
| Net loans and leases to core deposits | 69.3144% | 3,307 |
| Total domestic deposits to total assets | 88.3761% | 1,291 |
| Equity capital to assets | 11.5953% | 1,812 |
| Core capital (leverage) ratio | 11.7080% | 1,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1090% | 1,036 |
| Memoranda: | ||
| Average total assets | $43,308,600 | 4,729 |
| Average earning assets | $41,680,800 | 4,696 |
| Average equity | $5,288,200 | 4,719 |
| Average total loans | $25,188,000 | 4,612 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1343% | 4,644 |
| Cost of funding earning assets | 0.3173% | 4,231 |
| Net interest margin | 2.8170% | 4,316 |
| Noninterest income to average assets | 0.1528% | 4,529 |
| Noninterest expense to average assets | 2.3701% | 3,218 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4958% | 4,054 |
| Return on assets (ROA) | 0.4958% | 4,137 |
| Pretax return on assets | 0.4958% | 4,286 |
| Return on Equity (ROE) | 4.0071% | 4,153 |
| Retained earnings to average equity (ytd only) | 2.7722% | 3,620 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6986% | 698 |
| Assets per employee ($millions) | 5.4966% | 2,715 |
| Cash dividends to net income (ytd only)* | 30.8176% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7619% | 4,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 57.7604% | 3,442 |
| Net loans and leases to deposits | 65.7869% | 3,636 |
| Net loans and leases to core deposits | 67.7939% | 3,764 |
| Total domestic deposits to total assets | 87.7993% | 1,301 |
| Equity capital to assets | 12.1438% | 1,605 |
| Core capital (leverage) ratio | 12.1435% | 1,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7003% | 818 |
| Memoranda: | ||
| Average total assets | $42,754,000 | 4,758 |
| Average earning assets | $41,178,000 | 4,726 |
| Average equity | $5,290,500 | 4,744 |
| Average total loans | $24,662,500 | 4,653 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2227% | 4,701 |
| Cost of funding earning assets | 0.3537% | 4,254 |
| Net interest margin | 2.8690% | 4,355 |
| Noninterest income to average assets | 0.1511% | 4,543 |
| Noninterest expense to average assets | 2.4370% | 3,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4723% | 4,079 |
| Return on assets (ROA) | 0.4723% | 4,146 |
| Pretax return on assets | 0.4723% | 4,295 |
| Return on Equity (ROE) | 3.7922% | 4,166 |
| Retained earnings to average equity (ytd only) | 1.9719% | 3,770 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7662% | 654 |
| Assets per employee ($millions) | 5.4763% | 2,665 |
| Cash dividends to net income (ytd only)* | 48.0000% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8058% | 4,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 54.7957% | 3,804 |
| Net loans and leases to deposits | 62.3986% | 3,982 |
| Net loans and leases to core deposits | 64.3041% | 4,060 |
| Total domestic deposits to total assets | 87.8156% | 1,279 |
| Equity capital to assets | 12.0566% | 1,630 |
| Core capital (leverage) ratio | 12.5651% | 1,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9667% | 2,630 |
| Memoranda: | ||
| Average total assets | $42,347,667 | 4,786 |
| Average earning assets | $40,711,333 | 4,754 |
| Average equity | $5,274,000 | 4,770 |
| Average total loans | $24,352,000 | 4,683 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5720% | 4,563 |
| Cost of funding earning assets | 0.3813% | 4,420 |
| Net interest margin | 3.1907% | 3,885 |
| Noninterest income to average assets | 0.1730% | 4,503 |
| Noninterest expense to average assets | 2.4606% | 3,390 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7689% | 3,027 |
| Return on assets (ROA) | 0.7689% | 3,101 |
| Pretax return on assets | 0.7689% | 3,493 |
| Return on Equity (ROE) | 6.0721% | 3,291 |
| Retained earnings to average equity (ytd only) | 6.0721% | 1,840 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1905% | 1,545 |
| Assets per employee ($millions) | 5.2441% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8164% | 4,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 56.4656% | 3,801 |
| Net loans and leases to deposits | 64.7064% | 3,938 |
| Net loans and leases to core deposits | 66.7860% | 4,036 |
| Total domestic deposits to total assets | 87.2643% | 1,441 |
| Equity capital to assets | 12.6570% | 1,641 |
| Core capital (leverage) ratio | 12.7509% | 1,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0611% | 2,665 |
| Memoranda: | ||
| Average total assets | $41,616,500 | 4,818 |
| Average earning assets | $39,865,500 | 4,790 |
| Average equity | $5,270,000 | 4,808 |
| Average total loans | $24,427,500 | 4,711 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7692% | 4,609 |
| Cost of funding earning assets | 0.3680% | 4,546 |
| Net interest margin | 3.4012% | 3,743 |
| Noninterest income to average assets | 0.1803% | 4,590 |
| Noninterest expense to average assets | 2.1987% | 4,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9985% | 2,855 |
| Return on assets (ROA) | 0.9985% | 2,938 |
| Pretax return on assets | 1.2476% | 2,678 |
| Return on Equity (ROE) | 8.1501% | 3,104 |
| Retained earnings to average equity (ytd only) | 4.3945% | 2,769 |
| Net charge-offs to loans | -0.0081% | 4,416 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7990% | 3,099 |
| Assets per employee ($millions) | 5.1600% | 2,384 |
| Cash dividends to net income (ytd only)* | 46.0808% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7809% | 4,366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 60.0194% | 3,580 |
| Net loans and leases to deposits | 68.7802% | 3,751 |
| Net loans and leases to core deposits | 70.2208% | 3,953 |
| Total domestic deposits to total assets | 87.2626% | 1,486 |
| Equity capital to assets | 12.6696% | 1,723 |
| Core capital (leverage) ratio | 12.8347% | 1,317 |
| Tier 1 risk-based capital ratio | 18.4538% | 1,646 |
| Total risk-based capital ratio | 19.1419% | 1,738 |
| Memoranda: | ||
| Average total assets | $42,162,000 | 4,863 |
| Average earning assets | $40,485,800 | 4,835 |
| Average equity | $5,165,600 | 4,862 |
| Average total loans | $24,743,000 | 4,759 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7363% | 4,743 |
| Cost of funding earning assets | 0.3658% | 4,613 |
| Net interest margin | 3.3705% | 3,940 |
| Noninterest income to average assets | 0.1667% | 4,718 |
| Noninterest expense to average assets | 1.9379% | 4,659 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2772% | 1,927 |
| Return on assets (ROA) | 1.2772% | 2,008 |
| Pretax return on assets | 1.4754% | 2,031 |
| Return on Equity (ROE) | 10.5121% | 2,207 |
| Retained earnings to average equity (ytd only) | 8.0006% | 1,391 |
| Net charge-offs to loans | -0.0108% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7742% | 4,087 |
| Assets per employee ($millions) | 5.2168% | 2,323 |
| Cash dividends to net income (ytd only)* | 23.8916% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7686% | 4,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 60.3249% | 3,649 |
| Net loans and leases to deposits | 69.1363% | 3,830 |
| Net loans and leases to core deposits | 70.5665% | 4,029 |
| Total domestic deposits to total assets | 87.2550% | 1,405 |
| Equity capital to assets | 12.7258% | 1,773 |
| Core capital (leverage) ratio | 12.7828% | 1,441 |
| Tier 1 risk-based capital ratio | 18.6554% | 1,649 |
| Total risk-based capital ratio | 19.3403% | 1,748 |
| Memoranda: | ||
| Average total assets | $42,382,500 | 4,935 |
| Average earning assets | $40,823,750 | 4,902 |
| Average equity | $5,149,500 | 4,930 |
| Average total loans | $24,686,000 | 4,828 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6362% | 4,902 |
| Cost of funding earning assets | 0.3597% | 4,655 |
| Net interest margin | 3.2765% | 4,183 |
| Noninterest income to average assets | 0.1315% | 4,919 |
| Noninterest expense to average assets | 1.8686% | 4,794 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2254% | 2,054 |
| Return on assets (ROA) | 1.2254% | 2,115 |
| Pretax return on assets | 1.4273% | 2,114 |
| Return on Equity (ROE) | 10.2440% | 2,274 |
| Retained earnings to average equity (ytd only) | 6.4368% | 2,087 |
| Net charge-offs to loans | -0.0164% | 4,485 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6952% | 4,165 |
| Assets per employee ($millions) | 7.0895% | 960 |
| Cash dividends to net income (ytd only)* | 37.1648% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8002% | 4,439 |
| 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 | 56.8305% | 4,024 |
| Net loans and leases to deposits | 64.7004% | 4,185 |
| Net loans and leases to core deposits | 66.0023% | 4,318 |
| Total domestic deposits to total assets | 87.8365% | 1,179 |
| Equity capital to assets | 12.1471% | 2,081 |
| Core capital (leverage) ratio | 11.9995% | 1,830 |
| Tier 1 risk-based capital ratio | 19.1768% | 1,517 |
| Total risk-based capital ratio | 19.9005% | 1,592 |
| Memoranda: | ||
| Average total assets | $42,598,670 | 4,971 |
| Average earning assets | $41,141,330 | 4,941 |
| Average equity | $5,095,670 | 4,972 |
| Average total loans | $24,457,670 | 4,873 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5820% | 4,981 |
| Cost of funding earning assets | 0.3407% | 4,705 |
| Net interest margin | 3.2413% | 4,301 |
| Noninterest income to average assets | 0.1220% | 5,005 |
| Noninterest expense to average assets | 1.9705% | 4,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0697% | 2,582 |
| Return on assets (ROA) | 1.0697% | 2,629 |
| Pretax return on assets | 1.2761% | 2,546 |
| Return on Equity (ROE) | 9.0119% | 2,806 |
| Retained earnings to average equity (ytd only) | 9.0119% | 1,316 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6936% | 3,722 |
| Assets per employee ($millions) | 6.0813% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8308% | 4,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 54.1168% | 4,203 |
| Net loans and leases to deposits | 61.5617% | 4,327 |
| Net loans and leases to core deposits | 62.7985% | 4,439 |
| Total domestic deposits to total assets | 87.9067% | 1,385 |
| Equity capital to assets | 12.0205% | 2,008 |
| Core capital (leverage) ratio | 11.6691% | 2,011 |
| Tier 1 risk-based capital ratio | 19.9035% | 1,354 |
| Total risk-based capital ratio | 20.6542% | 1,438 |
| Memoranda: | ||
| Average total assets | $42,629,500 | 5,020 |
| Average earning assets | $41,094,500 | 4,988 |
| Average equity | $5,060,000 | 5,019 |
| Average total loans | $24,502,000 | 4,922 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3981% | 5,009 |
| Cost of funding earning assets | 0.2695% | 4,710 |
| Net interest margin | 3.1286% | 4,612 |
| Noninterest income to average assets | 0.1582% | 4,931 |
| Noninterest expense to average assets | 2.1250% | 4,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8429% | 3,632 |
| Return on assets (ROA) | 0.8429% | 3,631 |
| Pretax return on assets | 1.0483% | 3,446 |
| Return on Equity (ROE) | 7.2502% | 3,748 |
| Retained earnings to average equity (ytd only) | 3.3103% | 3,756 |
| Net charge-offs to loans | -0.0570% | 5,016 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9643% | 2,718 |
| Assets per employee ($millions) | 6.0986% | 1,461 |
| Cash dividends to net income (ytd only)* | 54.3417% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7488% | 4,679 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 59.9227% | 3,787 |
| Net loans and leases to deposits | 67.8883% | 3,983 |
| Net loans and leases to core deposits | 69.2408% | 4,151 |
| Total domestic deposits to total assets | 88.2666% | 1,171 |
| Equity capital to assets | 11.7194% | 2,084 |
| Core capital (leverage) ratio | 11.8653% | 1,822 |
| Tier 1 risk-based capital ratio | 17.0803% | 2,040 |
| Total risk-based capital ratio | 17.7392% | 2,182 |
| Memoranda: | ||
| Average total assets | $42,353,200 | 5,067 |
| Average earning assets | $40,817,000 | 5,036 |
| Average equity | $4,924,000 | 5,060 |
| Average total loans | $24,570,000 | 4,953 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3447% | 5,091 |
| Cost of funding earning assets | 0.2610% | 4,723 |
| Net interest margin | 3.0837% | 4,732 |
| Noninterest income to average assets | 0.5587% | 2,528 |
| Noninterest expense to average assets | 1.9382% | 4,840 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4300% | 1,390 |
| Return on assets (ROA) | 1.4300% | 1,385 |
| Pretax return on assets | 1.6036% | 1,572 |
| Return on Equity (ROE) | 12.3970% | 1,640 |
| Retained earnings to average equity (ytd only) | 9.7424% | 993 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7237% | 4,535 |
| Assets per employee ($millions) | 6.0071% | 1,479 |
| Cash dividends to net income (ytd only)* | 21.4130% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7391% | 4,784 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 57.1724% | 4,115 |
| Net loans and leases to deposits | 65.0143% | 4,273 |
| Net loans and leases to core deposits | 66.3346% | 4,394 |
| Total domestic deposits to total assets | 87.9382% | 1,261 |
| Equity capital to assets | 12.0499% | 1,882 |
| Core capital (leverage) ratio | 12.0009% | 1,787 |
| Tier 1 risk-based capital ratio | 19.0017% | 1,535 |
| Total risk-based capital ratio | 19.6730% | 1,646 |
| Memoranda: | ||
| Average total assets | $42,236,750 | 5,133 |
| Average earning assets | $40,859,000 | 5,096 |
| Average equity | $4,872,000 | 5,128 |
| Average total loans | $24,269,000 | 5,021 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2771% | 5,162 |
| Cost of funding earning assets | 0.2393% | 4,806 |
| Net interest margin | 3.0378% | 4,823 |
| Noninterest income to average assets | 0.1560% | 5,046 |
| Noninterest expense to average assets | 1.8677% | 5,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2293% | 2,066 |
| Return on assets (ROA) | 1.2293% | 2,064 |
| Pretax return on assets | 1.2293% | 2,826 |
| Return on Equity (ROE) | 10.8176% | 2,187 |
| Retained earnings to average equity (ytd only) | 6.7818% | 2,175 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3053% | 3,894 |
| Assets per employee ($millions) | 5.9223% | 1,525 |
| Cash dividends to net income (ytd only)* | 37.3077% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7357% | 4,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 58.2545% | 3,968 |
| Net loans and leases to deposits | 66.0215% | 4,164 |
| Net loans and leases to core deposits | 67.3753% | 4,288 |
| Total domestic deposits to total assets | 88.2357% | 1,254 |
| Equity capital to assets | 11.7570% | 2,015 |
| Core capital (leverage) ratio | 11.4354% | 2,127 |
| Tier 1 risk-based capital ratio | 18.4342% | 1,689 |
| Total risk-based capital ratio | 19.1112% | 1,803 |
| Memoranda: | ||
| Average total assets | $42,299,000 | 5,190 |
| Average earning assets | $40,950,330 | 5,153 |
| Average equity | $4,807,000 | 5,189 |
| Average total loans | $24,285,330 | 5,078 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1491% | 5,276 |
| Cost of funding earning assets | 0.2229% | 4,875 |
| Net interest margin | 2.9263% | 4,987 |
| Noninterest income to average assets | 0.1592% | 5,065 |
| Noninterest expense to average assets | 1.8165% | 5,136 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1704% | 2,133 |
| Return on assets (ROA) | 1.1704% | 2,145 |
| Pretax return on assets | 1.1704% | 2,891 |
| Return on Equity (ROE) | 10.4745% | 2,188 |
| Retained earnings to average equity (ytd only) | 10.4745% | 1,023 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8150% | 3,962 |
| Assets per employee ($millions) | 6.1811% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7713% | 4,857 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 53.2241% | 4,348 |
| Net loans and leases to deposits | 59.9308% | 4,476 |
| Net loans and leases to core deposits | 61.0978% | 4,608 |
| Total domestic deposits to total assets | 88.8093% | 1,203 |
| Equity capital to assets | 11.1769% | 2,404 |
| Core capital (leverage) ratio | 11.1800% | 2,259 |
| Tier 1 risk-based capital ratio | 19.1623% | 1,515 |
| Total risk-based capital ratio | 19.8716% | 1,622 |
| Memoranda: | ||
| Average total assets | $42,720,500 | 5,243 |
| Average earning assets | $41,281,500 | 5,206 |
| Average equity | $4,773,500 | 5,253 |
| Average total loans | $24,263,500 | 5,135 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0007% | 5,354 |
| Cost of funding earning assets | 0.1723% | 5,142 |
| Net interest margin | 2.8283% | 5,132 |
| Noninterest income to average assets | 0.1669% | 5,122 |
| Noninterest expense to average assets | 1.8934% | 5,121 |
| Loan and lease loss provision to assets | 1.7151% | 44 |
| Net operating income to assets | -0.7020% | 5,563 |
| Return on assets (ROA) | -0.7020% | 5,561 |
| Pretax return on assets | -0.7020% | 5,575 |
| Return on Equity (ROE) | -6.2536% | 5,559 |
| Retained earnings to average equity (ytd only) | -10.1646% | 5,538 |
| Net charge-offs to loans | 3.2035% | 36 |
| Credit loss provision to net charge-offs | 96.6495% | 2,671 |
| Earnings coverage of net charge-offs (x) | 0.5709% | 3,983 |
| Efficiency ratio | 65.1456% | 3,415 |
| Assets per employee ($millions) | 6.0247% | 1,504 |
| Cash dividends to net income (ytd only)* | -62.5407% | 5,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7070% | 5,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 59.6116% | 3,864 |
| Net loans and leases to deposits | 67.1170% | 4,096 |
| Net loans and leases to core deposits | 68.4566% | 4,265 |
| Total domestic deposits to total assets | 88.8175% | 1,076 |
| Equity capital to assets | 11.1707% | 2,464 |
| Core capital (leverage) ratio | 11.0034% | 2,335 |
| Tier 1 risk-based capital ratio | 16.9454% | 2,116 |
| Total risk-based capital ratio | 17.5893% | 2,258 |
| Memoranda: | ||
| Average total assets | $43,730,000 | 5,278 |
| Average earning assets | $42,357,200 | 5,222 |
| Average equity | $4,909,200 | 5,287 |
| Average total loans | $24,223,800 | 5,184 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9339% | 5,459 |
| Cost of funding earning assets | 0.1680% | 5,210 |
| Net interest margin | 2.7659% | 5,267 |
| Noninterest income to average assets | 0.1571% | 5,233 |
| Noninterest expense to average assets | 1.7226% | 5,348 |
| Loan and lease loss provision to assets | 2.2665% | 33 |
| Net operating income to assets | -1.1454% | 5,681 |
| Return on assets (ROA) | -1.1454% | 5,682 |
| Pretax return on assets | -1.1454% | 5,673 |
| Return on Equity (ROE) | -10.1905% | 5,670 |
| Retained earnings to average equity (ytd only) | -12.7447% | 5,637 |
| Net charge-offs to loans | 4.3367% | 21 |
| Credit loss provision to net charge-offs | 96.2773% | 2,367 |
| Earnings coverage of net charge-offs (x) | 0.4762% | 3,663 |
| Efficiency ratio | 60.5739% | 4,123 |
| Assets per employee ($millions) | 6.1043% | 1,424 |
| Cash dividends to net income (ytd only)* | -25.0653% | 5,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7158% | 5,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 57.1332% | 4,144 |
| Net loans and leases to deposits | 64.2600% | 4,360 |
| Net loans and leases to core deposits | 65.5242% | 4,514 |
| Total domestic deposits to total assets | 88.9094% | 931 |
| Equity capital to assets | 11.0835% | 2,778 |
| Core capital (leverage) ratio | 11.0742% | 2,390 |
| Tier 1 risk-based capital ratio | 17.6453% | 1,962 |
| Total risk-based capital ratio | 18.3010% | 2,095 |
| Memoranda: | ||
| Average total assets | $44,119,250 | 5,329 |
| Average earning assets | $42,853,750 | 5,269 |
| Average equity | $4,958,750 | 5,336 |
| Average total loans | $23,950,000 | 5,246 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8670% | 5,527 |
| Cost of funding earning assets | 0.1616% | 5,260 |
| Net interest margin | 2.7054% | 5,352 |
| Noninterest income to average assets | 0.1525% | 5,297 |
| Noninterest expense to average assets | 1.6868% | 5,427 |
| Loan and lease loss provision to assets | 3.3646% | 24 |
| Net operating income to assets | -2.2700% | 5,762 |
| Return on assets (ROA) | -2.2700% | 5,761 |
| Pretax return on assets | -2.2700% | 5,760 |
| Return on Equity (ROE) | -20.1073% | 5,754 |
| Retained earnings to average equity (ytd only) | -23.8824% | 5,732 |
| Net charge-offs to loans | 6.5636% | 12 |
| Credit loss provision to net charge-offs | 96.2773% | 2,084 |
| Earnings coverage of net charge-offs (x) | 0.3132% | 3,389 |
| Efficiency ratio | 60.6452% | 4,220 |
| Assets per employee ($millions) | 6.1976% | 1,323 |
| Cash dividends to net income (ytd only)* | -18.7747% | 5,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7534% | 5,071 |
| 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 | 53.4426% | 4,441 |
| Net loans and leases to deposits | 59.7983% | 4,647 |
| Net loans and leases to core deposits | 60.9490% | 4,772 |
| Total domestic deposits to total assets | 89.3714% | 778 |
| Equity capital to assets | 10.6240% | 3,202 |
| Core capital (leverage) ratio | 10.0302% | 3,500 |
| Tier 1 risk-based capital ratio | 18.4242% | 1,740 |
| Total risk-based capital ratio | 19.1278% | 1,848 |
| Memoranda: | ||
| Average total assets | $44,582,330 | 5,355 |
| Average earning assets | $43,320,000 | 5,301 |
| Average equity | $5,033,000 | 5,360 |
| Average total loans | $23,737,000 | 5,293 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7380% | 5,628 |
| Cost of funding earning assets | 0.1546% | 5,341 |
| Net interest margin | 2.5833% | 5,481 |
| Noninterest income to average assets | 0.1416% | 5,400 |
| Noninterest expense to average assets | 1.6998% | 5,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6197% | 4,065 |
| Return on assets (ROA) | 0.6197% | 4,117 |
| Pretax return on assets | 0.9561% | 3,561 |
| Return on Equity (ROE) | 5.3384% | 4,229 |
| Retained earnings to average equity (ytd only) | 5.3384% | 2,712 |
| Net charge-offs to loans | -0.1672% | 5,588 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0000% | 3,834 |
| Assets per employee ($millions) | 6.5841% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 4,660 |
| Loan loss allowance to noncurrent loans | 27.2497% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 1.7119% | 864 |
| Noncurrent loans to loans | 3.3953% | 371 |
| Net loans and leases to total assets | 49.9534% | 4,676 |
| Net loans and leases to deposits | 56.4774% | 4,788 |
| Net loans and leases to core deposits | 57.5101% | 4,902 |
| Total domestic deposits to total assets | 88.4484% | 1,458 |
| Equity capital to assets | 11.4561% | 2,211 |
| Core capital (leverage) ratio | 11.3251% | 2,083 |
| Tier 1 risk-based capital ratio | 20.9557% | 1,221 |
| Total risk-based capital ratio | 21.8090% | 1,265 |
| Memoranda: | ||
| Average total assets | $45,182,000 | 5,404 |
| Average earning assets | $43,974,500 | 5,346 |
| Average equity | $5,245,000 | 5,372 |
| Average total loans | $23,925,000 | 5,336 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8852% | 5,588 |
| Cost of funding earning assets | 0.1440% | 5,463 |
| Net interest margin | 2.7412% | 5,369 |
| Noninterest income to average assets | 0.1658% | 5,383 |
| Noninterest expense to average assets | 1.8332% | 5,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5861% | 4,267 |
| Return on assets (ROA) | 0.5861% | 4,374 |
| Pretax return on assets | 0.9268% | 3,748 |
| Return on Equity (ROE) | 4.9325% | 4,465 |
| Retained earnings to average equity (ytd only) | 1.2427% | 4,787 |
| Net charge-offs to loans | -0.0771% | 5,510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4198% | 3,525 |
| Assets per employee ($millions) | 6.3250% | 1,243 |
| Cash dividends to net income (ytd only)* | 74.8062% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 5,008 |
| Loan loss allowance to noncurrent loans | 25.9823% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 1.7820% | 832 |
| Noncurrent loans to loans | 3.2058% | 395 |
| Net loans and leases to total assets | 55.1259% | 4,335 |
| Net loans and leases to deposits | 62.4859% | 4,510 |
| Net loans and leases to core deposits | 63.6776% | 4,654 |
| Total domestic deposits to total assets | 88.2213% | 1,523 |
| Equity capital to assets | 11.7674% | 1,959 |
| Core capital (leverage) ratio | 11.7559% | 1,752 |
| Tier 1 risk-based capital ratio | 19.0759% | 1,576 |
| Total risk-based capital ratio | 19.8264% | 1,675 |
| Memoranda: | ||
| Average total assets | $44,022,400 | 5,468 |
| Average earning assets | $41,661,000 | 5,428 |
| Average equity | $5,230,600 | 5,424 |
| Average total loans | $24,634,800 | 5,368 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0167% | 5,553 |
| Cost of funding earning assets | 0.1420% | 5,529 |
| Net interest margin | 2.8747% | 5,226 |
| Noninterest income to average assets | 0.1547% | 5,498 |
| Noninterest expense to average assets | 1.6530% | 5,644 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8553% | 3,125 |
| Return on assets (ROA) | 0.8553% | 3,251 |
| Pretax return on assets | 1.2041% | 2,820 |
| Return on Equity (ROE) | 7.1812% | 3,460 |
| Retained earnings to average equity (ytd only) | 4.6857% | 3,029 |
| Net charge-offs to loans | -0.1028% | 5,578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8556% | 4,830 |
| Assets per employee ($millions) | 6.2210% | 1,284 |
| Cash dividends to net income (ytd only)* | 34.7509% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8038% | 5,177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 58.0959% | 4,084 |
| Net loans and leases to deposits | 66.2018% | 4,321 |
| Net loans and leases to core deposits | 67.4928% | 4,507 |
| Total domestic deposits to total assets | 87.7558% | 1,524 |
| Equity capital to assets | 12.2374% | 1,950 |
| Core capital (leverage) ratio | 12.0163% | 1,667 |
| Tier 1 risk-based capital ratio | 19.4588% | 1,558 |
| Total risk-based capital ratio | 20.2074% | 1,643 |
| Memoranda: | ||
| Average total assets | $43,959,250 | 5,522 |
| Average earning assets | $41,324,750 | 5,490 |
| Average equity | $5,235,750 | 5,481 |
| Average total loans | $24,640,500 | 5,418 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0048% | 5,643 |
| Cost of funding earning assets | 0.1415% | 5,601 |
| Net interest margin | 2.8634% | 5,323 |
| Noninterest income to average assets | 0.1497% | 5,552 |
| Noninterest expense to average assets | 1.6237% | 5,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8255% | 3,190 |
| Return on assets (ROA) | 0.8255% | 3,327 |
| Pretax return on assets | 1.1883% | 2,825 |
| Return on Equity (ROE) | 6.9937% | 3,542 |
| Retained earnings to average equity (ytd only) | 3.2279% | 3,838 |
| Net charge-offs to loans | -0.1560% | 5,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7419% | 4,940 |
| Assets per employee ($millions) | 6.3540% | 1,168 |
| Cash dividends to net income (ytd only)* | 53.8462% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8653% | 5,077 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 52.8014% | 4,610 |
| Net loans and leases to deposits | 59.8405% | 4,809 |
| Net loans and leases to core deposits | 60.9747% | 4,936 |
| Total domestic deposits to total assets | 88.2369% | 1,302 |
| Equity capital to assets | 11.7564% | 2,307 |
| Core capital (leverage) ratio | 11.6607% | 1,863 |
| Tier 1 risk-based capital ratio | 20.1674% | 1,424 |
| Total risk-based capital ratio | 20.9580% | 1,482 |
| Memoranda: | ||
| Average total assets | $44,096,670 | 5,580 |
| Average earning assets | $41,000,670 | 5,564 |
| Average equity | $5,204,670 | 5,546 |
| Average total loans | $24,352,670 | 5,484 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8701% | 5,810 |
| Cost of funding earning assets | 0.1219% | 5,804 |
| Net interest margin | 2.7482% | 5,544 |
| Noninterest income to average assets | 0.1458% | 5,614 |
| Noninterest expense to average assets | 1.6216% | 5,815 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8655% | 2,916 |
| Return on assets (ROA) | 0.8655% | 3,033 |
| Pretax return on assets | 1.1935% | 2,733 |
| Return on Equity (ROE) | 7.3182% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.3182% | 1,741 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6052% | 5,043 |
| Assets per employee ($millions) | 6.3783% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7951% | 5,372 |
| 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 | 51.9755% | 4,625 |
| Net loans and leases to deposits | 58.9359% | 4,783 |
| Net loans and leases to core deposits | 60.0476% | 4,936 |
| Total domestic deposits to total assets | 88.1898% | 1,534 |
| Equity capital to assets | 11.7362% | 2,214 |
| Core capital (leverage) ratio | 11.8582% | 1,705 |
| Tier 1 risk-based capital ratio | 20.3203% | 1,439 |
| Total risk-based capital ratio | 21.0416% | 1,514 |
| Memoranda: | ||
| Average total assets | $43,906,000 | 5,637 |
| Average earning assets | $42,646,500 | 5,581 |
| Average equity | $5,192,500 | 5,585 |
| Average total loans | $24,684,000 | 5,525 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9719% | 5,749 |
| Cost of funding earning assets | 0.1253% | 5,852 |
| Net interest margin | 2.8467% | 5,431 |
| Noninterest income to average assets | 0.1323% | 5,753 |
| Noninterest expense to average assets | 1.9884% | 5,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6084% | 4,230 |
| Return on assets (ROA) | 0.6084% | 4,328 |
| Pretax return on assets | 0.8994% | 3,837 |
| Return on Equity (ROE) | 5.3634% | 4,342 |
| Retained earnings to average equity (ytd only) | 1.5740% | 4,824 |
| Net charge-offs to loans | -0.0512% | 5,558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8550% | 3,430 |
| Assets per employee ($millions) | 5.3955% | 1,908 |
| Cash dividends to net income (ytd only)* | 70.6522% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7160% | 5,606 |
| 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 | 59.7489% | 3,874 |
| Net loans and leases to deposits | 67.8434% | 4,143 |
| Net loans and leases to core deposits | 69.1699% | 4,361 |
| Total domestic deposits to total assets | 88.0688% | 1,593 |
| Equity capital to assets | 11.9197% | 2,018 |
| Core capital (leverage) ratio | 11.6911% | 1,822 |
| Tier 1 risk-based capital ratio | 18.0128% | 1,962 |
| Total risk-based capital ratio | 18.0128% | 2,325 |
| Memoranda: | ||
| Average total assets | $45,362,000 | 5,651 |
| Average earning assets | $43,911,000 | 5,583 |
| Average equity | $5,146,000 | 5,621 |
| Average total loans | $25,411,400 | 5,538 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9462% | 5,857 |
| Cost of funding earning assets | 0.1261% | 5,941 |
| Net interest margin | 2.8201% | 5,549 |
| Noninterest income to average assets | 0.0958% | 5,978 |
| Noninterest expense to average assets | 1.7163% | 5,884 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7812% | 3,518 |
| Return on assets (ROA) | 0.7812% | 3,604 |
| Pretax return on assets | 1.1065% | 3,194 |
| Return on Equity (ROE) | 6.9693% | 3,636 |
| Retained earnings to average equity (ytd only) | 4.4563% | 3,292 |
| Net charge-offs to loans | -0.0686% | 5,655 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8025% | 4,776 |
| Assets per employee ($millions) | 5.6751% | 1,614 |
| Cash dividends to net income (ytd only)* | 36.0592% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7249% | 5,674 |
| Loan loss allowance to noncurrent loans | 48.1865% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 0.8502% | 2,756 |
| Noncurrent loans to loans | 1.5044% | 1,671 |
| Net loans and leases to total assets | 56.1045% | 4,343 |
| Net loans and leases to deposits | 63.4279% | 4,604 |
| Net loans and leases to core deposits | 64.5989% | 4,788 |
| Total domestic deposits to total assets | 88.4540% | 1,312 |
| Equity capital to assets | 11.5328% | 2,480 |
| Core capital (leverage) ratio | 11.5761% | 1,977 |
| Tier 1 risk-based capital ratio | 11.1397% | 5,585 |
| Total risk-based capital ratio | 11.5354% | 5,891 |
| Memoranda: | ||
| Average total assets | $45,911,500 | 5,708 |
| Average earning assets | $44,394,750 | 5,640 |
| Average equity | $5,146,250 | 5,692 |
| Average total loans | $25,270,250 | 5,605 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8846% | 5,959 |
| Cost of funding earning assets | 0.1258% | 6,011 |
| Net interest margin | 2.7587% | 5,694 |
| Noninterest income to average assets | 0.0911% | 6,056 |
| Noninterest expense to average assets | 1.6840% | 5,984 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7422% | 3,675 |
| Return on assets (ROA) | 0.7422% | 3,777 |
| Pretax return on assets | 1.0720% | 3,290 |
| Return on Equity (ROE) | 6.6845% | 3,795 |
| Retained earnings to average equity (ytd only) | 2.8927% | 4,201 |
| Net charge-offs to loans | -0.1114% | 5,826 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1024% | 4,810 |
| Assets per employee ($millions) | 5.6501% | 1,621 |
| Cash dividends to net income (ytd only)* | 56.7251% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7383% | 5,738 |
| Loan loss allowance to noncurrent loans | 9,350.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 5,891 |
| Noncurrent loans to loans | 0.0079% | 5,738 |
| Net loans and leases to total assets | 55.6227% | 4,377 |
| Net loans and leases to deposits | 62.7609% | 4,639 |
| Net loans and leases to core deposits | 63.9225% | 4,810 |
| Total domestic deposits to total assets | 88.6264% | 1,344 |
| Equity capital to assets | 11.3670% | 2,519 |
| Core capital (leverage) ratio | 10.8683% | 2,548 |
| Tier 1 risk-based capital ratio | 12.2470% | 4,970 |
| Total risk-based capital ratio | 12.6928% | 5,421 |
| Memoranda: | ||
| Average total assets | $46,081,670 | 5,764 |
| Average earning assets | $44,513,000 | 5,700 |
| Average equity | $5,116,330 | 5,749 |
| Average total loans | $25,141,000 | 5,661 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7727% | 6,086 |
| Cost of funding earning assets | 0.1252% | 6,091 |
| Net interest margin | 2.6475% | 5,870 |
| Noninterest income to average assets | 0.0946% | 6,106 |
| Noninterest expense to average assets | 1.5820% | 6,126 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7136% | 3,734 |
| Return on assets (ROA) | 0.7136% | 3,859 |
| Pretax return on assets | 1.0576% | 3,273 |
| Return on Equity (ROE) | 6.5028% | 3,763 |
| Retained earnings to average equity (ytd only) | 6.5028% | 2,238 |
| Net charge-offs to loans | -0.3034% | 6,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9349% | 5,094 |
| Assets per employee ($millions) | 6.8484% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7702% | 5,759 |
| 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 | 51.5968% | 4,698 |
| Net loans and leases to deposits | 57.8596% | 4,930 |
| Net loans and leases to core deposits | 58.8606% | 5,073 |
| Total domestic deposits to total assets | 89.1758% | 1,154 |
| Equity capital to assets | 10.7366% | 3,283 |
| Core capital (leverage) ratio | 10.6751% | 2,771 |
| Tier 1 risk-based capital ratio | 11.6794% | 5,450 |
| Total risk-based capital ratio | 12.1151% | 5,796 |
| Memoranda: | ||
| Average total assets | $46,522,000 | 5,807 |
| Average earning assets | $44,722,000 | 5,746 |
| Average equity | $5,105,500 | 5,810 |
| Average total loans | $25,047,000 | 5,713 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7277% | 6,248 |
| Cost of funding earning assets | 0.1345% | 6,177 |
| Net interest margin | 2.5932% | 6,084 |
| Noninterest income to average assets | 0.1281% | 6,051 |
| Noninterest expense to average assets | 1.7654% | 6,101 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5742% | 4,485 |
| Return on assets (ROA) | 0.5742% | 4,570 |
| Pretax return on assets | 0.8731% | 3,988 |
| Return on Equity (ROE) | 5.3013% | 4,514 |
| Retained earnings to average equity (ytd only) | 1.4584% | 5,113 |
| Net charge-offs to loans | -0.0819% | 6,070 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9094% | 4,076 |
| Assets per employee ($millions) | 6.4436% | 1,084 |
| Cash dividends to net income (ytd only)* | 72.4907% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6874% | 6,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 55.4129% | 4,401 |
| Net loans and leases to deposits | 62.4288% | 4,690 |
| Net loans and leases to core deposits | 63.5834% | 4,866 |
| Total domestic deposits to total assets | 88.7618% | 1,379 |
| Equity capital to assets | 11.2271% | 2,671 |
| Core capital (leverage) ratio | 11.3599% | 2,083 |
| Tier 1 risk-based capital ratio | 16.1336% | 2,900 |
| Total risk-based capital ratio | 16.6847% | 3,203 |
| Memoranda: | ||
| Average total assets | $46,845,400 | 5,866 |
| Average earning assets | $45,349,200 | 5,789 |
| Average equity | $5,074,200 | 5,838 |
| Average total loans | $23,189,400 | 5,847 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6888% | 6,335 |
| Cost of funding earning assets | 0.1360% | 6,259 |
| Net interest margin | 2.5527% | 6,183 |
| Noninterest income to average assets | 0.1043% | 6,236 |
| Noninterest expense to average assets | 1.5397% | 6,332 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7473% | 3,683 |
| Return on assets (ROA) | 0.7473% | 3,776 |
| Pretax return on assets | 1.0519% | 3,372 |
| Return on Equity (ROE) | 6.9596% | 3,725 |
| Retained earnings to average equity (ytd only) | 4.4121% | 3,512 |
| Net charge-offs to loans | -0.1116% | 6,174 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4124% | 5,263 |
| Assets per employee ($millions) | 6.4817% | 1,030 |
| Cash dividends to net income (ytd only)* | 36.6042% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7356% | 6,029 |
| 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 | 51.4524% | 4,859 |
| Net loans and leases to deposits | 58.0707% | 5,097 |
| Net loans and leases to core deposits | 59.1387% | 5,252 |
| Total domestic deposits to total assets | 88.6031% | 1,449 |
| Equity capital to assets | 11.3682% | 2,613 |
| Core capital (leverage) ratio | 11.2456% | 2,267 |
| Tier 1 risk-based capital ratio | 17.2595% | 2,496 |
| Total risk-based capital ratio | 17.8384% | 2,732 |
| Memoranda: | ||
| Average total assets | $47,280,500 | 5,917 |
| Average earning assets | $46,067,500 | 5,835 |
| Average equity | $5,076,750 | 5,896 |
| Average total loans | $22,695,000 | 5,928 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6422% | 6,423 |
| Cost of funding earning assets | 0.1325% | 6,352 |
| Net interest margin | 2.5097% | 6,264 |
| Noninterest income to average assets | 0.1002% | 6,282 |
| Noninterest expense to average assets | 1.5068% | 6,416 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7555% | 3,540 |
| Return on assets (ROA) | 0.7555% | 3,642 |
| Pretax return on assets | 1.0435% | 3,307 |
| Return on Equity (ROE) | 7.1688% | 3,531 |
| Retained earnings to average equity (ytd only) | 3.3270% | 4,080 |
| Net charge-offs to loans | -0.1695% | 6,308 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0835% | 5,418 |
| Assets per employee ($millions) | 6.5514% | 984 |
| Cash dividends to net income (ytd only)* | 53.5912% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7943% | 5,987 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 47.1151% | 5,252 |
| Net loans and leases to deposits | 53.1891% | 5,406 |
| Net loans and leases to core deposits | 54.1570% | 5,539 |
| Total domestic deposits to total assets | 88.5805% | 1,595 |
| Equity capital to assets | 11.0641% | 2,816 |
| Core capital (leverage) ratio | 10.5898% | 2,836 |
| Tier 1 risk-based capital ratio | 16.9790% | 2,628 |
| Total risk-based capital ratio | 17.5579% | 2,872 |
| Memoranda: | ||
| Average total assets | $47,916,670 | 5,953 |
| Average earning assets | $46,778,330 | 5,868 |
| Average equity | $5,049,670 | 5,945 |
| Average total loans | $22,420,670 | 5,979 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6374% | 6,500 |
| Cost of funding earning assets | 0.1256% | 6,467 |
| Net interest margin | 2.5118% | 6,324 |
| Noninterest income to average assets | 0.0817% | 6,388 |
| Noninterest expense to average assets | 1.4710% | 6,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7764% | 3,268 |
| Return on assets (ROA) | 0.7764% | 3,352 |
| Pretax return on assets | 1.0624% | 3,076 |
| Return on Equity (ROE) | 7.5434% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.5434% | 1,797 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0645% | 5,637 |
| Assets per employee ($millions) | 7.0150% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7120% | 6,264 |
| 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 | 43.7328% | 5,533 |
| Net loans and leases to deposits | 48.8212% | 5,683 |
| Net loans and leases to core deposits | 49.6394% | 5,784 |
| Total domestic deposits to total assets | 89.5774% | 1,325 |
| Equity capital to assets | 10.3554% | 3,393 |
| Core capital (leverage) ratio | 10.3027% | 3,171 |
| Tier 1 risk-based capital ratio | 15.8837% | 3,227 |
| Total risk-based capital ratio | 16.3647% | 3,600 |
| Memoranda: | ||
| Average total assets | $48,945,000 | 5,989 |
| Average earning assets | $47,775,000 | 5,894 |
| Average equity | $5,037,500 | 5,984 |
| Average total loans | $22,741,000 | 6,027 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6284% | 6,577 |
| Cost of funding earning assets | 0.1656% | 6,467 |
| Net interest margin | 2.4627% | 6,401 |
| Noninterest income to average assets | 0.1080% | 6,361 |
| Noninterest expense to average assets | 1.6581% | 6,479 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5569% | 4,472 |
| Return on assets (ROA) | 0.5569% | 4,600 |
| Pretax return on assets | 0.8291% | 4,035 |
| Return on Equity (ROE) | 5.3768% | 4,457 |
| Retained earnings to average equity (ytd only) | 1.4646% | 5,158 |
| Net charge-offs to loans | 0.1147% | 3,667 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 16.6250% | 1,788 |
| Efficiency ratio | 66.6667% | 4,435 |
| Assets per employee ($millions) | 6.9693% | 784 |
| Cash dividends to net income (ytd only)* | 72.7612% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6456% | 6,423 |
| 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 | 48.5785% | 5,233 |
| Net loans and leases to deposits | 57.2952% | 5,184 |
| Net loans and leases to core deposits | 57.7138% | 5,413 |
| Total domestic deposits to total assets | 84.7863% | 3,854 |
| Equity capital to assets | 10.2286% | 3,472 |
| Core capital (leverage) ratio | 10.5707% | 2,820 |
| Tier 1 risk-based capital ratio | 15.8036% | 3,199 |
| Total risk-based capital ratio | 16.2914% | 3,583 |
| Memoranda: | ||
| Average total assets | $48,127,000 | 6,068 |
| Average earning assets | $46,492,800 | 5,970 |
| Average equity | $4,984,400 | 6,071 |
| Average total loans | $20,921,000 | 6,153 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6297% | 6,653 |
| Cost of funding earning assets | 0.1732% | 6,532 |
| Net interest margin | 2.4565% | 6,468 |
| Noninterest income to average assets | 0.0945% | 6,493 |
| Noninterest expense to average assets | 1.5095% | 6,634 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6811% | 3,949 |
| Return on assets (ROA) | 0.6811% | 4,092 |
| Pretax return on assets | 0.9507% | 3,688 |
| Return on Equity (ROE) | 6.5555% | 3,898 |
| Retained earnings to average equity (ytd only) | 3.9601% | 3,875 |
| Net charge-offs to loans | 0.1585% | 2,964 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 14.2497% | 1,959 |
| Efficiency ratio | 61.3559% | 5,219 |
| Assets per employee ($millions) | 6.7389% | 836 |
| Cash dividends to net income (ytd only)* | 39.5916% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7225% | 6,413 |
| 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 | 44.8571% | 5,641 |
| Net loans and leases to deposits | 50.2661% | 5,817 |
| Net loans and leases to core deposits | 50.6269% | 5,978 |
| Total domestic deposits to total assets | 89.2394% | 1,436 |
| Equity capital to assets | 10.7373% | 3,025 |
| Core capital (leverage) ratio | 10.6618% | 2,828 |
| Tier 1 risk-based capital ratio | 17.5217% | 2,498 |
| Total risk-based capital ratio | 18.0545% | 2,757 |
| Memoranda: | ||
| Average total assets | $47,962,500 | 6,140 |
| Average earning assets | $46,190,000 | 6,050 |
| Average equity | $4,983,000 | 6,142 |
| Average total loans | $20,188,000 | 6,258 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5689% | 6,711 |
| Cost of funding earning assets | 0.1856% | 6,544 |
| Net interest margin | 2.3832% | 6,567 |
| Noninterest income to average assets | 0.0954% | 6,545 |
| Noninterest expense to average assets | 1.4722% | 6,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6345% | 4,134 |
| Return on assets (ROA) | 0.6345% | 4,283 |
| Pretax return on assets | 0.9124% | 3,862 |
| Return on Equity (ROE) | 6.1747% | 4,059 |
| Retained earnings to average equity (ytd only) | 2.2600% | 4,843 |
| Net charge-offs to loans | 0.2423% | 2,269 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 9.1667% | 2,316 |
| Efficiency ratio | 61.7391% | 5,209 |
| Assets per employee ($millions) | 6.9170% | 749 |
| Cash dividends to net income (ytd only)* | 63.3987% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8024% | 6,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 39.3213% | 6,088 |
| Net loans and leases to deposits | 43.8323% | 6,236 |
| Net loans and leases to core deposits | 44.1371% | 6,329 |
| Total domestic deposits to total assets | 89.7086% | 1,201 |
| Equity capital to assets | 10.2708% | 3,574 |
| Core capital (leverage) ratio | 10.0603% | 3,434 |
| Tier 1 risk-based capital ratio | 18.2081% | 2,240 |
| Total risk-based capital ratio | 18.7720% | 2,476 |
| Memoranda: | ||
| Average total assets | $48,226,000 | 6,176 |
| Average earning assets | $46,324,000 | 6,089 |
| Average equity | $4,955,670 | 6,194 |
| Average total loans | $19,812,670 | 6,315 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5292% | 6,805 |
| Cost of funding earning assets | 0.2086% | 6,533 |
| Net interest margin | 2.3206% | 6,674 |
| Noninterest income to average assets | 0.0914% | 6,606 |
| Noninterest expense to average assets | 1.4960% | 6,747 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4987% | 4,675 |
| Return on assets (ROA) | 0.4987% | 4,828 |
| Pretax return on assets | 0.8145% | 4,118 |
| Return on Equity (ROE) | 4.8514% | 4,662 |
| Retained earnings to average equity (ytd only) | 4.8514% | 3,329 |
| Net charge-offs to loans | 0.4771% | 1,250 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.0833% | 2,617 |
| Efficiency ratio | 64.7482% | 4,873 |
| Assets per employee ($millions) | 7.2131% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8342% | 6,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 36.2572% | 6,278 |
| Net loans and leases to deposits | 40.2582% | 6,408 |
| Net loans and leases to core deposits | 40.5255% | 6,462 |
| Total domestic deposits to total assets | 90.0618% | 1,004 |
| Equity capital to assets | 9.8570% | 4,340 |
| Core capital (leverage) ratio | 9.8699% | 3,572 |
| Tier 1 risk-based capital ratio | 17.9779% | 2,373 |
| Total risk-based capital ratio | 18.5342% | 2,616 |
| Memoranda: | ||
| Average total assets | $48,129,500 | 6,242 |
| Average earning assets | $46,022,000 | 6,159 |
| Average equity | $4,947,000 | 6,264 |
| Average total loans | $20,122,500 | 6,352 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9813% | 6,782 |
| Cost of funding earning assets | 0.3173% | 6,374 |
| Net interest margin | 2.6640% | 6,570 |
| Noninterest income to average assets | 0.1452% | 6,308 |
| Noninterest expense to average assets | 1.8654% | 6,534 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5583% | 4,439 |
| Return on assets (ROA) | 0.5583% | 4,695 |
| Pretax return on assets | 0.8328% | 4,171 |
| Return on Equity (ROE) | 5.0049% | 4,674 |
| Retained earnings to average equity (ytd only) | 1.0376% | 5,355 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1337% | 3,951 |
| Assets per employee ($millions) | 5.7209% | 1,503 |
| Cash dividends to net income (ytd only)* | 79.2683% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8171% | 6,456 |
| Loan loss allowance to noncurrent loans | 195.6044% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 6,062 |
| Noncurrent loans to loans | 0.4177% | 5,443 |
| Net loans and leases to total assets | 47.2087% | 5,487 |
| Net loans and leases to deposits | 52.9001% | 5,744 |
| Net loans and leases to core deposits | 53.2916% | 5,925 |
| Total domestic deposits to total assets | 89.2412% | 1,414 |
| Equity capital to assets | 10.7435% | 3,226 |
| Core capital (leverage) ratio | 11.1709% | 2,104 |
| Tier 1 risk-based capital ratio | 16.7839% | 2,754 |
| Total risk-based capital ratio | 17.3915% | 3,035 |
| Memoranda: | ||
| Average total assets | $44,066,200 | 6,373 |
| Average earning assets | $42,229,600 | 6,302 |
| Average equity | $4,915,200 | 6,321 |
| Average total loans | $20,443,000 | 6,404 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9620% | 6,914 |
| Cost of funding earning assets | 0.3354% | 6,438 |
| Net interest margin | 2.6266% | 6,731 |
| Noninterest income to average assets | 0.1222% | 6,523 |
| Noninterest expense to average assets | 1.6987% | 6,791 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6141% | 4,331 |
| Return on assets (ROA) | 0.6141% | 4,586 |
| Pretax return on assets | 0.9593% | 3,880 |
| Return on Equity (ROE) | 5.4528% | 4,619 |
| Retained earnings to average equity (ytd only) | 2.8213% | 4,860 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9080% | 4,817 |
| Assets per employee ($millions) | 5.4968% | 1,636 |
| Cash dividends to net income (ytd only)* | 48.2593% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8609% | 6,483 |
| Loan loss allowance to noncurrent loans | 157.5221% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 6,056 |
| Noncurrent loans to loans | 0.5466% | 5,351 |
| Net loans and leases to total assets | 46.6116% | 5,698 |
| Net loans and leases to deposits | 52.5874% | 5,934 |
| Net loans and leases to core deposits | 52.9953% | 6,118 |
| Total domestic deposits to total assets | 88.6365% | 1,634 |
| Equity capital to assets | 11.3021% | 2,931 |
| Core capital (leverage) ratio | 11.4590% | 2,016 |
| Tier 1 risk-based capital ratio | 17.9513% | 2,371 |
| Total risk-based capital ratio | 18.5942% | 2,557 |
| Memoranda: | ||
| Average total assets | $43,641,000 | 6,456 |
| Average earning assets | $42,132,000 | 6,369 |
| Average equity | $4,914,750 | 6,384 |
| Average total loans | $20,107,750 | 6,509 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9382% | 6,996 |
| Cost of funding earning assets | 0.3554% | 6,487 |
| Net interest margin | 2.5827% | 6,832 |
| Noninterest income to average assets | 0.1149% | 6,614 |
| Noninterest expense to average assets | 1.6816% | 6,856 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5927% | 4,402 |
| Return on assets (ROA) | 0.5927% | 4,659 |
| Pretax return on assets | 0.9373% | 3,934 |
| Return on Equity (ROE) | 5.2693% | 4,679 |
| Retained earnings to average equity (ytd only) | 1.3071% | 5,537 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2105% | 4,862 |
| Assets per employee ($millions) | 5.4283% | 1,678 |
| Cash dividends to net income (ytd only)* | 75.1938% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9399% | 6,354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 43.1999% | 6,090 |
| Net loans and leases to deposits | 48.7146% | 6,267 |
| Net loans and leases to core deposits | 49.0971% | 6,393 |
| Total domestic deposits to total assets | 88.6796% | 1,721 |
| Equity capital to assets | 11.2790% | 2,818 |
| Core capital (leverage) ratio | 10.9798% | 2,318 |
| Tier 1 risk-based capital ratio | 18.8769% | 2,002 |
| Total risk-based capital ratio | 19.5630% | 2,159 |
| Memoranda: | ||
| Average total assets | $43,530,000 | 6,500 |
| Average earning assets | $42,203,330 | 6,410 |
| Average equity | $4,896,330 | 6,416 |
| Average total loans | $19,918,670 | 6,565 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9344% | 7,068 |
| Cost of funding earning assets | 0.3692% | 6,555 |
| Net interest margin | 2.5653% | 6,899 |
| Noninterest income to average assets | 0.1193% | 6,657 |
| Noninterest expense to average assets | 1.7163% | 6,885 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5415% | 4,643 |
| Return on assets (ROA) | 0.5415% | 4,853 |
| Pretax return on assets | 0.8903% | 4,067 |
| Return on Equity (ROE) | 4.8208% | 4,870 |
| Retained earnings to average equity (ytd only) | 4.8208% | 3,659 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8451% | 4,586 |
| Assets per employee ($millions) | 5.6301% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 6,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 40.9405% | 6,270 |
| Net loans and leases to deposits | 46.0149% | 6,430 |
| Net loans and leases to core deposits | 46.3619% | 6,543 |
| Total domestic deposits to total assets | 88.9723% | 1,707 |
| Equity capital to assets | 10.9345% | 2,988 |
| Core capital (leverage) ratio | 11.2556% | 2,073 |
| Tier 1 risk-based capital ratio | 19.0699% | 1,967 |
| Total risk-based capital ratio | 19.7592% | 2,116 |
| Memoranda: | ||
| Average total assets | $43,582,000 | 6,543 |
| Average earning assets | $42,257,000 | 6,447 |
| Average equity | $4,895,500 | 6,454 |
| Average total loans | $20,409,000 | 6,593 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3719% | 7,065 |
| Cost of funding earning assets | 0.5201% | 6,452 |
| Net interest margin | 2.8518% | 6,758 |
| Noninterest income to average assets | 0.1325% | 6,493 |
| Noninterest expense to average assets | 1.9145% | 6,808 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6960% | 3,515 |
| Return on assets (ROA) | 0.6960% | 3,695 |
| Pretax return on assets | 0.9777% | 3,325 |
| Return on Equity (ROE) | 5.9703% | 3,885 |
| Retained earnings to average equity (ytd only) | 1.9419% | 4,827 |
| Net charge-offs to loans | -0.0146% | 6,925 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1948% | 4,730 |
| Assets per employee ($millions) | 5.2654% | 1,867 |
| Cash dividends to net income (ytd only)* | 67.4740% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8018% | 6,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 52.2802% | 5,266 |
| Net loans and leases to deposits | 63.3144% | 5,089 |
| Net loans and leases to core deposits | 63.8652% | 5,479 |
| Total domestic deposits to total assets | 82.5725% | 4,941 |
| Equity capital to assets | 11.5519% | 2,464 |
| Core capital (leverage) ratio | 11.9151% | 1,648 |
| Tier 1 risk-based capital ratio | 16.8286% | 2,676 |
| Total risk-based capital ratio | 17.4442% | 2,924 |
| Memoranda: | ||
| Average total assets | $41,524,200 | 6,614 |
| Average earning assets | $40,185,400 | 6,522 |
| Average equity | $4,840,600 | 6,496 |
| Average total loans | $20,549,800 | 6,635 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3778% | 7,145 |
| Cost of funding earning assets | 0.5591% | 6,481 |
| Net interest margin | 2.8187% | 6,866 |
| Noninterest income to average assets | 0.1225% | 6,649 |
| Noninterest expense to average assets | 1.7531% | 7,043 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7347% | 3,454 |
| Return on assets (ROA) | 0.7347% | 3,634 |
| Pretax return on assets | 1.0989% | 3,019 |
| Return on Equity (ROE) | 6.2883% | 3,882 |
| Retained earnings to average equity (ytd only) | 3.6130% | 4,178 |
| Net charge-offs to loans | -0.0199% | 6,909 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4689% | 5,489 |
| Assets per employee ($millions) | 4.9181% | 2,299 |
| Cash dividends to net income (ytd only)* | 42.5442% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8296% | 6,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 54.0806% | 5,151 |
| Net loans and leases to deposits | 61.8008% | 5,426 |
| Net loans and leases to core deposits | 62.3440% | 5,790 |
| Total domestic deposits to total assets | 87.5079% | 2,345 |
| Equity capital to assets | 12.4616% | 1,939 |
| Core capital (leverage) ratio | 11.9840% | 1,716 |
| Tier 1 risk-based capital ratio | 18.3564% | 2,133 |
| Total risk-based capital ratio | 19.0228% | 2,312 |
| Memoranda: | ||
| Average total assets | $41,374,500 | 6,674 |
| Average earning assets | $40,064,250 | 6,584 |
| Average equity | $4,834,250 | 6,550 |
| Average total loans | $20,137,250 | 6,716 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3168% | 7,245 |
| Cost of funding earning assets | 0.5798% | 6,544 |
| Net interest margin | 2.7370% | 6,987 |
| Noninterest income to average assets | 0.1046% | 6,802 |
| Noninterest expense to average assets | 1.7075% | 7,176 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6896% | 3,595 |
| Return on assets (ROA) | 0.6896% | 3,714 |
| Pretax return on assets | 1.0463% | 3,055 |
| Return on Equity (ROE) | 6.0274% | 3,957 |
| Retained earnings to average equity (ytd only) | 1.9953% | 4,978 |
| Net charge-offs to loans | -0.0305% | 6,924 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0035% | 5,585 |
| Assets per employee ($millions) | 5.2683% | 1,797 |
| Cash dividends to net income (ytd only)* | 66.8966% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 6,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 47.3853% | 6,111 |
| Net loans and leases to deposits | 53.5200% | 6,345 |
| Net loans and leases to core deposits | 53.9538% | 6,559 |
| Total domestic deposits to total assets | 88.5375% | 1,828 |
| Equity capital to assets | 11.4364% | 2,564 |
| Core capital (leverage) ratio | 11.5446% | 1,886 |
| Tier 1 risk-based capital ratio | 18.4958% | 2,014 |
| Total risk-based capital ratio | 19.1788% | 2,153 |
| Memoranda: | ||
| Average total assets | $42,051,000 | 6,718 |
| Average earning assets | $40,701,670 | 6,611 |
| Average equity | $4,811,330 | 6,595 |
| Average total loans | $19,697,670 | 6,810 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2264% | 7,331 |
| Cost of funding earning assets | 0.5920% | 6,634 |
| Net interest margin | 2.6344% | 7,093 |
| Noninterest income to average assets | 0.1333% | 6,745 |
| Noninterest expense to average assets | 1.6475% | 7,271 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6666% | 3,678 |
| Return on assets (ROA) | 0.6666% | 3,750 |
| Pretax return on assets | 1.0285% | 3,029 |
| Return on Equity (ROE) | 5.8248% | 4,002 |
| Retained earnings to average equity (ytd only) | 5.8248% | 2,741 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5658% | 5,748 |
| Assets per employee ($millions) | 5.5131% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 6,591 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 41.8592% | 6,631 |
| Net loans and leases to deposits | 47.0765% | 6,793 |
| Net loans and leases to core deposits | 47.4394% | 6,903 |
| Total domestic deposits to total assets | 88.9174% | 1,820 |
| Equity capital to assets | 10.9783% | 2,712 |
| Core capital (leverage) ratio | 10.8402% | 2,323 |
| Tier 1 risk-based capital ratio | 19.1724% | 1,758 |
| Total risk-based capital ratio | 19.8654% | 1,873 |
| Memoranda: | ||
| Average total assets | $42,003,500 | 6,760 |
| Average earning assets | $40,541,000 | 6,666 |
| Average equity | $4,807,000 | 6,613 |
| Average total loans | $19,472,000 | 6,870 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8059% | 7,248 |
| Cost of funding earning assets | 0.8187% | 6,487 |
| Net interest margin | 2.9872% | 6,749 |
| Noninterest income to average assets | 0.1070% | 6,860 |
| Noninterest expense to average assets | 1.9978% | 7,028 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7240% | 3,131 |
| Return on assets (ROA) | 0.7240% | 3,259 |
| Pretax return on assets | 0.9778% | 3,007 |
| Return on Equity (ROE) | 6.1263% | 3,559 |
| Retained earnings to average equity (ytd only) | 2.0421% | 4,444 |
| Net charge-offs to loans | 0.6228% | 3,165 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 3.0945% | 3,525 |
| Efficiency ratio | 67.1405% | 4,734 |
| Assets per employee ($millions) | 4.9878% | 2,170 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8618% | 6,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 50.4536% | 6,126 |
| Net loans and leases to deposits | 57.3316% | 6,323 |
| Net loans and leases to core deposits | 57.8256% | 6,574 |
| Total domestic deposits to total assets | 88.0031% | 2,249 |
| Equity capital to assets | 11.9593% | 1,942 |
| Core capital (leverage) ratio | 12.7253% | 1,228 |
| Tier 1 risk-based capital ratio | 18.6881% | 1,790 |
| Total risk-based capital ratio | 19.3734% | 1,928 |
| Memoranda: | ||
| Average total assets | $40,193,600 | 6,864 |
| Average earning assets | $38,597,800 | 6,774 |
| Average equity | $4,750,000 | 6,744 |
| Average total loans | $20,390,800 | 6,905 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8261% | 7,389 |
| Cost of funding earning assets | 0.8602% | 6,544 |
| Net interest margin | 2.9659% | 6,900 |
| Noninterest income to average assets | 0.0960% | 7,064 |
| Noninterest expense to average assets | 1.8278% | 7,301 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7715% | 3,126 |
| Return on assets (ROA) | 0.7715% | 3,278 |
| Pretax return on assets | 1.1225% | 2,760 |
| Return on Equity (ROE) | 6.5478% | 3,550 |
| Retained earnings to average equity (ytd only) | 3.8219% | 3,768 |
| Net charge-offs to loans | 0.8296% | 2,378 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 2.6693% | 3,814 |
| Efficiency ratio | 61.9529% | 5,631 |
| Assets per employee ($millions) | 4.8871% | 2,341 |
| Cash dividends to net income (ytd only)* | 41.6307% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8821% | 6,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 50.2929% | 6,291 |
| Net loans and leases to deposits | 57.4069% | 6,515 |
| Net loans and leases to core deposits | 57.9141% | 6,735 |
| Total domestic deposits to total assets | 87.6077% | 2,206 |
| Equity capital to assets | 12.3053% | 1,969 |
| Core capital (leverage) ratio | 11.9766% | 1,680 |
| Tier 1 risk-based capital ratio | 19.1597% | 1,715 |
| Total risk-based capital ratio | 19.8566% | 1,808 |
| Memoranda: | ||
| Average total assets | $40,266,500 | 6,937 |
| Average earning assets | $38,750,750 | 6,842 |
| Average equity | $4,744,500 | 6,829 |
| Average total loans | $20,411,750 | 6,992 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8573% | 7,458 |
| Cost of funding earning assets | 0.9004% | 6,576 |
| Net interest margin | 2.9569% | 6,924 |
| Noninterest income to average assets | 0.0935% | 7,122 |
| Noninterest expense to average assets | 1.8152% | 7,373 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7822% | 3,056 |
| Return on assets (ROA) | 0.7822% | 3,198 |
| Pretax return on assets | 1.1216% | 2,704 |
| Return on Equity (ROE) | 6.7340% | 3,430 |
| Retained earnings to average equity (ytd only) | 2.6258% | 4,469 |
| Net charge-offs to loans | 0.0388% | 5,820 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 535 |
| Efficiency ratio | 61.8090% | 5,722 |
| Assets per employee ($millions) | 5.1425% | 1,996 |
| Cash dividends to net income (ytd only)* | 61.0063% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 3,895 |
| Loan loss allowance to noncurrent loans | 109.1575% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.6636% | 5,829 |
| Noncurrent loans to loans | 1.3796% | 4,637 |
| Net loans and leases to total assets | 47.3772% | 6,675 |
| Net loans and leases to deposits | 53.6012% | 6,887 |
| Net loans and leases to core deposits | 54.0471% | 7,032 |
| Total domestic deposits to total assets | 88.3884% | 1,788 |
| Equity capital to assets | 11.5143% | 2,434 |
| Core capital (leverage) ratio | 11.1341% | 2,145 |
| Tier 1 risk-based capital ratio | 18.5830% | 1,812 |
| Total risk-based capital ratio | 19.7521% | 1,800 |
| Memoranda: | ||
| Average total assets | $40,656,330 | 6,975 |
| Average earning assets | $39,094,670 | 6,882 |
| Average equity | $4,722,330 | 6,871 |
| Average total loans | $20,603,000 | 7,036 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9071% | 7,518 |
| Cost of funding earning assets | 0.9406% | 6,617 |
| Net interest margin | 2.9665% | 6,903 |
| Noninterest income to average assets | 0.0891% | 7,261 |
| Noninterest expense to average assets | 1.7914% | 7,474 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7918% | 3,005 |
| Return on assets (ROA) | 0.7918% | 3,117 |
| Pretax return on assets | 1.1382% | 2,591 |
| Return on Equity (ROE) | 6.7869% | 3,460 |
| Retained earnings to average equity (ytd only) | 6.7869% | 2,225 |
| Net charge-offs to loans | 0.0762% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 28.7500% | 897 |
| Efficiency ratio | 61.1486% | 5,974 |
| Assets per employee ($millions) | 5.3758% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 4,068 |
| Loan loss allowance to noncurrent loans | 263.7168% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 6,814 |
| Noncurrent loans to loans | 0.5575% | 6,181 |
| Net loans and leases to total assets | 46.4400% | 6,801 |
| Net loans and leases to deposits | 52.2909% | 7,022 |
| Net loans and leases to core deposits | 52.7049% | 7,168 |
| Total domestic deposits to total assets | 88.8109% | 1,609 |
| Equity capital to assets | 11.0566% | 2,712 |
| Core capital (leverage) ratio | 11.1586% | 2,127 |
| Tier 1 risk-based capital ratio | 18.0641% | 1,929 |
| Total risk-based capital ratio | 19.1961% | 1,926 |
| Memoranda: | ||
| Average total assets | $40,414,500 | 7,074 |
| Average earning assets | $38,698,500 | 6,991 |
| Average equity | $4,715,000 | 6,938 |
| Average total loans | $21,010,000 | 7,099 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5188% | 7,367 |
| Cost of funding earning assets | 1.2846% | 6,363 |
| Net interest margin | 3.2341% | 5,975 |
| Noninterest income to average assets | 0.1715% | 6,850 |
| Noninterest expense to average assets | 2.7019% | 5,380 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0675% | 5,299 |
| Return on assets (ROA) | 0.0675% | 5,342 |
| Pretax return on assets | 0.4521% | 4,344 |
| Return on Equity (ROE) | 0.5337% | 5,376 |
| Retained earnings to average equity (ytd only) | -3.4895% | 5,786 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6672% | 2,150 |
| Assets per employee ($millions) | 4.7279% | 2,574 |
| Cash dividends to net income (ytd only)* | 753.8462% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 4,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 56.7062% | 5,871 |
| Net loans and leases to deposits | 64.7428% | 6,183 |
| Net loans and leases to core deposits | 69.7768% | 6,788 |
| Total domestic deposits to total assets | 87.5869% | 2,181 |
| Equity capital to assets | 12.3602% | 1,816 |
| Core capital (leverage) ratio | 12.0400% | 1,649 |
| Tier 1 risk-based capital ratio | 17.5699% | 2,007 |
| Total risk-based capital ratio | 18.7049% | 1,995 |
| Memoranda: | ||
| Average total assets | $38,490,800 | 7,150 |
| Average earning assets | $35,496,400 | 7,121 |
| Average equity | $4,871,800 | 6,997 |
| Average total loans | $20,161,200 | 7,182 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 7,492 |
| Cost of funding earning assets | 1.3368% | 6,444 |
| Net interest margin | 3.1783% | 6,095 |
| Noninterest income to average assets | 0.1690% | 7,000 |
| Noninterest expense to average assets | 1.8418% | 7,620 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8347% | 2,680 |
| Return on assets (ROA) | 0.8347% | 2,739 |
| Pretax return on assets | 1.2382% | 2,139 |
| Return on Equity (ROE) | 6.5568% | 3,279 |
| Retained earnings to average equity (ytd only) | 3.9287% | 3,085 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7984% | 6,445 |
| Assets per employee ($millions) | 4.8843% | 2,286 |
| Cash dividends to net income (ytd only)* | 40.0824% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 3,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 53.6444% | 6,428 |
| Net loans and leases to deposits | 61.5378% | 6,719 |
| Net loans and leases to core deposits | 68.0972% | 7,068 |
| Total domestic deposits to total assets | 87.1731% | 2,091 |
| Equity capital to assets | 12.7681% | 1,800 |
| Core capital (leverage) ratio | 12.4625% | 1,598 |
| Tier 1 risk-based capital ratio | 18.8734% | 1,773 |
| Total risk-based capital ratio | 20.0159% | 1,762 |
| Memoranda: | ||
| Average total assets | $38,657,750 | 7,213 |
| Average earning assets | $35,406,000 | 7,189 |
| Average equity | $4,921,000 | 7,031 |
| Average total loans | $19,764,000 | 7,272 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5588% | 7,574 |
| Cost of funding earning assets | 1.4005% | 6,476 |
| Net interest margin | 3.1583% | 6,070 |
| Noninterest income to average assets | 0.1869% | 6,959 |
| Noninterest expense to average assets | 1.7809% | 7,765 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8515% | 2,646 |
| Return on assets (ROA) | 0.8515% | 2,746 |
| Pretax return on assets | 1.2513% | 2,157 |
| Return on Equity (ROE) | 6.6962% | 3,334 |
| Retained earnings to average equity (ytd only) | 2.7356% | 3,810 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7329% | 6,732 |
| Assets per employee ($millions) | 5.0243% | 2,046 |
| Cash dividends to net income (ytd only)* | 59.1463% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 3,028 |
| Loan loss allowance to noncurrent loans | 251.6667% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 6,721 |
| Noncurrent loans to loans | 0.6083% | 6,045 |
| Net loans and leases to total assets | 48.3256% | 7,010 |
| Net loans and leases to deposits | 55.1004% | 7,210 |
| Net loans and leases to core deposits | 62.6945% | 7,351 |
| Total domestic deposits to total assets | 87.7046% | 1,928 |
| Equity capital to assets | 12.2207% | 2,072 |
| Core capital (leverage) ratio | 12.1482% | 1,774 |
| Tier 1 risk-based capital ratio | 19.4288% | 1,693 |
| Total risk-based capital ratio | 20.6234% | 1,663 |
| Memoranda: | ||
| Average total assets | $38,519,000 | 7,275 |
| Average earning assets | $34,702,000 | 7,284 |
| Average equity | $4,898,330 | 7,098 |
| Average total loans | $19,264,330 | 7,380 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8262% | 7,329 |
| Cost of funding earning assets | 1.4538% | 6,559 |
| Net interest margin | 3.3724% | 5,248 |
| Noninterest income to average assets | 0.1274% | 7,381 |
| Noninterest expense to average assets | 1.7515% | 7,760 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9872% | 2,369 |
| Return on assets (ROA) | 0.9872% | 2,501 |
| Pretax return on assets | 1.3800% | 2,027 |
| Return on Equity (ROE) | 7.6050% | 3,329 |
| Retained earnings to average equity (ytd only) | 7.6050% | 1,977 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9322% | 6,973 |
| Assets per employee ($millions) | 4.9059% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6194% | 2,447 |
| Loan loss allowance to noncurrent loans | 293.2039% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.2624% | 6,720 |
| Noncurrent loans to loans | 0.5523% | 6,032 |
| Net loans and leases to total assets | 46.7475% | 7,128 |
| Net loans and leases to deposits | 53.5835% | 7,315 |
| Net loans and leases to core deposits | 61.9120% | 7,395 |
| Total domestic deposits to total assets | 87.2423% | 2,098 |
| Equity capital to assets | 12.5819% | 1,932 |
| Core capital (leverage) ratio | 12.8210% | 1,547 |
| Tier 1 risk-based capital ratio | 20.3974% | 1,545 |
| Total risk-based capital ratio | 21.6448% | 1,514 |
| Memoranda: | ||
| Average total assets | $37,681,500 | 7,344 |
| Average earning assets | $33,567,000 | 7,375 |
| Average equity | $4,891,500 | 7,152 |
| Average total loans | $19,033,500 | 7,435 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3794% | 7,490 |
| Cost of funding earning assets | 2.0166% | 6,359 |
| Net interest margin | 3.3629% | 5,809 |
| Noninterest income to average assets | 0.2098% | 6,938 |
| Noninterest expense to average assets | 1.9853% | 7,469 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8985% | 3,003 |
| Return on assets (ROA) | 0.8985% | 2,847 |
| Pretax return on assets | 1.3289% | 2,208 |
| Return on Equity (ROE) | 6.8549% | 3,599 |
| Retained earnings to average equity (ytd only) | 1.0057% | 4,625 |
| Net charge-offs to loans | 0.0164% | 6,646 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 164.6667% | 282 |
| Efficiency ratio | 59.9026% | 6,361 |
| Assets per employee ($millions) | 4.5145% | 2,592 |
| Cash dividends to net income (ytd only)* | 85.3293% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5553% | 2,426 |
| Loan loss allowance to noncurrent loans | 293.2039% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2852% | 6,442 |
| Noncurrent loans to loans | 0.5304% | 5,766 |
| Net loans and leases to total assets | 52.9294% | 6,756 |
| Net loans and leases to deposits | 61.1986% | 7,003 |
| Net loans and leases to core deposits | 66.0493% | 7,358 |
| Total domestic deposits to total assets | 86.4880% | 2,173 |
| Equity capital to assets | 13.4151% | 1,623 |
| Core capital (leverage) ratio | 13.1761% | 1,487 |
| Tier 1 risk-based capital ratio | 20.4586% | 1,543 |
| Total risk-based capital ratio | 21.7085% | 1,506 |
| Memoranda: | ||
| Average total assets | $37,173,800 | 7,340 |
| Average earning assets | $34,315,800 | 7,313 |
| Average equity | $4,872,400 | 7,188 |
| Average total loans | $18,307,600 | 7,444 |