Home > Burton State Bank > Performance and Condition Ratios
Burton State Bank, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8100% | 4,793 |
| Cost of funding earning assets | 0.3329% | 2,267 |
| Net interest margin | 1.4771% | 4,809 |
| Noninterest income to average assets | 0.0849% | 4,724 |
| Noninterest expense to average assets | 1.2998% | 4,755 |
| Loan and lease loss provision to assets | 0.0036% | 2,900 |
| Net operating income to assets | 0.2324% | 4,595 |
| Return on assets (ROA) | 0.2757% | 4,576 |
| Pretax return on assets | 0.2757% | 4,610 |
| Return on Equity (ROE) | 2.5020% | 4,528 |
| Retained earnings to average equity (ytd only) | -0.2618% | 4,592 |
| Net charge-offs to loans | 0.0129% | 1,853 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 73.5000% | 1,033 |
| Efficiency ratio | 84.6555% | 490 |
| Assets per employee ($millions) | 10.6428% | 535 |
| Cash dividends to net income (ytd only)* | 110.4651% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7587% | 4,411 |
| 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 | 23.0450% | 4,755 |
| Net loans and leases to deposits | 25.8171% | 4,770 |
| Net loans and leases to core deposits | 28.0084% | 4,758 |
| Total domestic deposits to total assets | 89.2626% | 1,141 |
| Equity capital to assets | 10.6845% | 2,275 |
| Core capital (leverage) ratio | 10.6617% | 1,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,191,500 | 4,223 |
| Average earning assets | $81,692,250 | 4,157 |
| Average equity | $9,165,750 | 4,286 |
| Average total loans | $20,722,000 | 4,624 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8655% | 4,830 |
| Cost of funding earning assets | 0.3455% | 2,357 |
| Net interest margin | 1.5201% | 4,839 |
| Noninterest income to average assets | 0.0824% | 4,750 |
| Noninterest expense to average assets | 0.9547% | 4,878 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6203% | 3,940 |
| Return on assets (ROA) | 0.6978% | 3,835 |
| Pretax return on assets | 0.6978% | 4,071 |
| Return on Equity (ROE) | 6.2686% | 3,838 |
| Retained earnings to average equity (ytd only) | 3.4390% | 3,703 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6154% | 2,926 |
| Assets per employee ($millions) | 12.1389% | 336 |
| Cash dividends to net income (ytd only)* | 45.1389% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7220% | 4,494 |
| Loan loss allowance to noncurrent loans | 238.0952% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 3,712 |
| Noncurrent loans to loans | 0.3032% | 2,839 |
| Net loans and leases to total assets | 24.2739% | 4,780 |
| Net loans and leases to deposits | 27.2571% | 4,794 |
| Net loans and leases to core deposits | 29.5739% | 4,781 |
| Total domestic deposits to total assets | 89.0552% | 1,258 |
| Equity capital to assets | 10.8954% | 2,071 |
| Core capital (leverage) ratio | 10.9685% | 1,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,541,333 | 4,258 |
| Average earning assets | $81,049,667 | 4,190 |
| Average equity | $9,188,667 | 4,302 |
| Average total loans | $21,039,000 | 4,646 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9071% | 4,853 |
| Cost of funding earning assets | 0.3694% | 2,358 |
| Net interest margin | 1.5377% | 4,867 |
| Noninterest income to average assets | 0.0885% | 4,732 |
| Noninterest expense to average assets | 1.0329% | 4,899 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5705% | 4,018 |
| Return on assets (ROA) | 0.3984% | 4,388 |
| Pretax return on assets | 0.3984% | 4,485 |
| Return on Equity (ROE) | 3.5394% | 4,368 |
| Retained earnings to average equity (ytd only) | 0.6991% | 4,269 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4172% | 2,417 |
| Assets per employee ($millions) | 11.9526% | 353 |
| Cash dividends to net income (ytd only)* | 80.2469% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7224% | 4,538 |
| 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 | 24.6390% | 4,802 |
| Net loans and leases to deposits | 27.6879% | 4,820 |
| Net loans and leases to core deposits | 29.8370% | 4,815 |
| Total domestic deposits to total assets | 88.9886% | 1,349 |
| Equity capital to assets | 10.9397% | 1,906 |
| Core capital (leverage) ratio | 11.2391% | 1,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,326,000 | 4,290 |
| Average earning assets | $80,120,500 | 4,217 |
| Average equity | $9,154,000 | 4,318 |
| Average total loans | $21,170,500 | 4,672 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7023% | 4,793 |
| Cost of funding earning assets | 0.6442% | 2,036 |
| Net interest margin | 2.0582% | 4,810 |
| Noninterest income to average assets | 0.1026% | 4,737 |
| Noninterest expense to average assets | 1.1613% | 4,909 |
| Loan and lease loss provision to assets | 0.0091% | 4,243 |
| Net operating income to assets | 0.9535% | 2,466 |
| Return on assets (ROA) | 1.1016% | 2,040 |
| Pretax return on assets | 1.1016% | 2,688 |
| Return on Equity (ROE) | 9.5902% | 2,161 |
| Retained earnings to average equity (ytd only) | 5.4058% | 2,093 |
| Net charge-offs to loans | 0.0093% | 2,985 |
| Credit loss provision to net charge-offs | 350.0000% | 1,581 |
| Earnings coverage of net charge-offs (x) | 370.5000% | 294 |
| Efficiency ratio | 54.6789% | 4,135 |
| Assets per employee ($millions) | 9.8730% | 557 |
| Cash dividends to net income (ytd only)* | 43.6321% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6952% | 4,595 |
| 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 | 27.1270% | 4,808 |
| Net loans and leases to deposits | 30.7121% | 4,826 |
| Net loans and leases to core deposits | 32.7399% | 4,823 |
| Total domestic deposits to total assets | 88.3267% | 1,311 |
| Equity capital to assets | 11.5910% | 1,818 |
| Core capital (leverage) ratio | 11.6988% | 1,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,980,800 | 4,279 |
| Average earning assets | $75,601,400 | 4,215 |
| Average equity | $8,842,400 | 4,335 |
| Average total loans | $21,471,600 | 4,682 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8510% | 4,811 |
| Cost of funding earning assets | 0.7070% | 1,986 |
| Net interest margin | 2.1440% | 4,836 |
| Noninterest income to average assets | 0.0784% | 4,826 |
| Noninterest expense to average assets | 1.0460% | 4,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1367% | 1,862 |
| Return on assets (ROA) | 1.1088% | 2,073 |
| Pretax return on assets | 1.1088% | 2,713 |
| Return on Equity (ROE) | 9.6754% | 2,141 |
| Retained earnings to average equity (ytd only) | 6.7089% | 1,810 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9233% | 4,612 |
| Assets per employee ($millions) | 9.7410% | 556 |
| Cash dividends to net income (ytd only)* | 30.6604% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6891% | 4,594 |
| 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 | 26.8145% | 4,876 |
| Net loans and leases to deposits | 30.4035% | 4,892 |
| Net loans and leases to core deposits | 32.7611% | 4,882 |
| Total domestic deposits to total assets | 88.1955% | 1,120 |
| Equity capital to assets | 11.7185% | 1,865 |
| Core capital (leverage) ratio | 11.7312% | 1,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,480,000 | 4,296 |
| Average earning assets | $75,060,500 | 4,232 |
| Average equity | $8,764,250 | 4,358 |
| Average total loans | $21,445,500 | 4,717 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9960% | 4,841 |
| Cost of funding earning assets | 0.7744% | 1,965 |
| Net interest margin | 2.2215% | 4,869 |
| Noninterest income to average assets | 0.0763% | 4,851 |
| Noninterest expense to average assets | 1.0448% | 5,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2132% | 1,606 |
| Return on assets (ROA) | 0.9816% | 2,523 |
| Pretax return on assets | 0.9816% | 3,080 |
| Return on Equity (ROE) | 8.6326% | 2,519 |
| Retained earnings to average equity (ytd only) | 5.6239% | 2,226 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2704% | 4,713 |
| Assets per employee ($millions) | 9.8758% | 513 |
| Cash dividends to net income (ytd only)* | 34.8525% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6568% | 4,653 |
| Loan loss allowance to noncurrent loans | 7,250.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,586 |
| Noncurrent loans to loans | 0.0091% | 4,480 |
| Net loans and leases to total assets | 27.7587% | 4,893 |
| Net loans and leases to deposits | 31.2844% | 4,918 |
| Net loans and leases to core deposits | 33.7348% | 4,907 |
| Total domestic deposits to total assets | 88.7300% | 853 |
| Equity capital to assets | 11.1536% | 2,207 |
| Core capital (leverage) ratio | 11.2793% | 1,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,997,333 | 4,306 |
| Average earning assets | $74,633,667 | 4,239 |
| Average equity | $8,641,667 | 4,384 |
| Average total loans | $21,580,333 | 4,738 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1613% | 4,888 |
| Cost of funding earning assets | 0.8314% | 2,218 |
| Net interest margin | 2.3300% | 4,908 |
| Noninterest income to average assets | 0.0913% | 4,859 |
| Noninterest expense to average assets | 1.0524% | 5,054 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3263% | 1,169 |
| Return on assets (ROA) | 0.3329% | 4,309 |
| Pretax return on assets | 0.3329% | 4,400 |
| Return on Equity (ROE) | 2.8984% | 4,243 |
| Retained earnings to average equity (ytd only) | -0.1402% | 4,015 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2438% | 4,875 |
| Assets per employee ($millions) | 8.5021% | 624 |
| Cash dividends to net income (ytd only)* | 104.8387% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6848% | 4,635 |
| Loan loss allowance to noncurrent loans | 4,833.3333% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 4,625 |
| Noncurrent loans to loans | 0.0142% | 4,511 |
| Net loans and leases to total assets | 27.4821% | 4,940 |
| Net loans and leases to deposits | 30.9947% | 4,963 |
| Net loans and leases to core deposits | 33.4958% | 4,953 |
| Total domestic deposits to total assets | 88.6669% | 814 |
| Equity capital to assets | 11.2129% | 2,664 |
| Core capital (leverage) ratio | 11.3415% | 2,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,493,000 | 4,334 |
| Average earning assets | $73,133,500 | 4,274 |
| Average equity | $8,556,500 | 4,416 |
| Average total loans | $21,332,500 | 4,777 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4481% | 4,889 |
| Cost of funding earning assets | 0.8598% | 2,379 |
| Net interest margin | 2.5883% | 4,915 |
| Noninterest income to average assets | 0.1428% | 4,761 |
| Noninterest expense to average assets | 1.2135% | 5,092 |
| Loan and lease loss provision to assets | 0.0072% | 3,862 |
| Net operating income to assets | 1.4588% | 1,164 |
| Return on assets (ROA) | 1.7849% | 570 |
| Pretax return on assets | 1.7849% | 977 |
| Return on Equity (ROE) | 15.0049% | 688 |
| Retained earnings to average equity (ytd only) | 9.2431% | 658 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2881% | 4,938 |
| Assets per employee ($millions) | 8.0519% | 699 |
| Cash dividends to net income (ytd only)* | 38.3994% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6747% | 4,619 |
| Loan loss allowance to noncurrent loans | 3,625.0000% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 4,652 |
| Noncurrent loans to loans | 0.0186% | 4,498 |
| Net loans and leases to total assets | 29.4562% | 4,975 |
| Net loans and leases to deposits | 33.4367% | 5,001 |
| Net loans and leases to core deposits | 35.9209% | 4,994 |
| Total domestic deposits to total assets | 88.0953% | 1,089 |
| Equity capital to assets | 11.7750% | 2,301 |
| Core capital (leverage) ratio | 12.1458% | 1,686 |
| Tier 1 risk-based capital ratio | 30.2589% | 465 |
| Total risk-based capital ratio | 30.7730% | 482 |
| Memoranda: | ||
| Average total assets | $69,304,400 | 4,443 |
| Average earning assets | $67,922,000 | 4,374 |
| Average equity | $8,244,000 | 4,478 |
| Average total loans | $20,960,800 | 4,840 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5027% | 4,959 |
| Cost of funding earning assets | 0.8563% | 2,431 |
| Net interest margin | 2.6464% | 4,971 |
| Noninterest income to average assets | 0.1168% | 4,932 |
| Noninterest expense to average assets | 1.1501% | 5,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5588% | 1,038 |
| Return on assets (ROA) | 1.5588% | 1,089 |
| Pretax return on assets | 1.5588% | 1,784 |
| Return on Equity (ROE) | 13.0690% | 1,262 |
| Retained earnings to average equity (ytd only) | 9.3980% | 926 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4569% | 5,064 |
| Assets per employee ($millions) | 7.6557% | 790 |
| Cash dividends to net income (ytd only)* | 28.0897% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6645% | 4,708 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 4,710 |
| Noncurrent loans to loans | 0.0332% | 4,515 |
| Net loans and leases to total assets | 30.3726% | 5,048 |
| Net loans and leases to deposits | 34.7480% | 5,080 |
| Net loans and leases to core deposits | 37.4794% | 5,063 |
| Total domestic deposits to total assets | 87.4080% | 1,304 |
| Equity capital to assets | 12.4657% | 1,940 |
| Core capital (leverage) ratio | 10.6910% | 2,939 |
| Tier 1 risk-based capital ratio | 27.0727% | 636 |
| Total risk-based capital ratio | 29.6752% | 535 |
| Memoranda: | ||
| Average total assets | $68,513,750 | 4,503 |
| Average earning assets | $67,108,000 | 4,441 |
| Average equity | $8,171,750 | 4,537 |
| Average total loans | $20,828,250 | 4,917 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4656% | 5,035 |
| Cost of funding earning assets | 0.8342% | 2,483 |
| Net interest margin | 2.6313% | 5,051 |
| Noninterest income to average assets | 0.1199% | 4,965 |
| Noninterest expense to average assets | 1.1757% | 5,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5179% | 1,099 |
| Return on assets (ROA) | 1.5179% | 1,147 |
| Pretax return on assets | 1.5179% | 1,803 |
| Return on Equity (ROE) | 12.9222% | 1,269 |
| Retained earnings to average equity (ytd only) | 8.9385% | 1,045 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6482% | 5,077 |
| Assets per employee ($millions) | 7.7273% | 738 |
| Cash dividends to net income (ytd only)* | 30.8285% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6612% | 4,778 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 4,754 |
| Noncurrent loans to loans | 0.0331% | 4,552 |
| Net loans and leases to total assets | 30.2433% | 5,093 |
| Net loans and leases to deposits | 34.4211% | 5,123 |
| Net loans and leases to core deposits | 36.9058% | 5,115 |
| Total domestic deposits to total assets | 87.8627% | 1,164 |
| Equity capital to assets | 11.9993% | 2,186 |
| Core capital (leverage) ratio | 10.4266% | 3,163 |
| Tier 1 risk-based capital ratio | 26.0543% | 686 |
| Total risk-based capital ratio | 28.5950% | 588 |
| Memoranda: | ||
| Average total assets | $68,384,670 | 4,544 |
| Average earning assets | $66,886,670 | 4,481 |
| Average equity | $8,032,670 | 4,578 |
| Average total loans | $20,748,670 | 4,959 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3800% | 5,127 |
| Cost of funding earning assets | 0.8088% | 2,483 |
| Net interest margin | 2.5712% | 5,158 |
| Noninterest income to average assets | 0.1298% | 4,953 |
| Noninterest expense to average assets | 1.1858% | 5,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4571% | 1,208 |
| Return on assets (ROA) | 1.4571% | 1,240 |
| Pretax return on assets | 1.4571% | 1,896 |
| Return on Equity (ROE) | 12.5436% | 1,372 |
| Retained earnings to average equity (ytd only) | 7.7192% | 1,761 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8661% | 5,075 |
| Assets per employee ($millions) | 7.7093% | 748 |
| Cash dividends to net income (ytd only)* | 38.4615% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6781% | 4,811 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 4,825 |
| Noncurrent loans to loans | 0.0339% | 4,619 |
| Net loans and leases to total assets | 29.5558% | 5,156 |
| Net loans and leases to deposits | 33.4743% | 5,178 |
| Net loans and leases to core deposits | 35.9211% | 5,171 |
| Total domestic deposits to total assets | 88.2941% | 1,193 |
| Equity capital to assets | 11.5545% | 2,350 |
| Core capital (leverage) ratio | 10.1627% | 3,425 |
| Tier 1 risk-based capital ratio | 25.5908% | 715 |
| Total risk-based capital ratio | 27.9836% | 626 |
| Memoranda: | ||
| Average total assets | $67,804,000 | 4,605 |
| Average earning assets | $66,272,500 | 4,541 |
| Average equity | $7,876,500 | 4,629 |
| Average total loans | $20,536,500 | 5,028 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9747% | 5,241 |
| Cost of funding earning assets | 0.6021% | 2,698 |
| Net interest margin | 2.3726% | 5,260 |
| Noninterest income to average assets | 0.1541% | 4,947 |
| Noninterest expense to average assets | 1.3506% | 5,284 |
| Loan and lease loss provision to assets | 0.0079% | 3,966 |
| Net operating income to assets | 1.1059% | 2,571 |
| Return on assets (ROA) | 1.1059% | 2,569 |
| Pretax return on assets | 1.1059% | 3,242 |
| Return on Equity (ROE) | 9.1632% | 2,911 |
| Retained earnings to average equity (ytd only) | 4.0286% | 3,347 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8034% | 4,544 |
| Assets per employee ($millions) | 7.3582% | 848 |
| Cash dividends to net income (ytd only)* | 56.0345% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6854% | 4,827 |
| Loan loss allowance to noncurrent loans | 1,555.5556% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 4,831 |
| Noncurrent loans to loans | 0.0441% | 4,552 |
| Net loans and leases to total assets | 30.6324% | 5,197 |
| Net loans and leases to deposits | 34.7309% | 5,217 |
| Net loans and leases to core deposits | 37.4467% | 5,203 |
| Total domestic deposits to total assets | 88.1991% | 1,212 |
| Equity capital to assets | 11.6816% | 2,109 |
| Core capital (leverage) ratio | 10.5909% | 2,941 |
| Tier 1 risk-based capital ratio | 25.9018% | 674 |
| Total risk-based capital ratio | 28.1903% | 609 |
| Memoranda: | ||
| Average total assets | $62,937,000 | 4,703 |
| Average earning assets | $61,284,200 | 4,644 |
| Average equity | $7,595,600 | 4,662 |
| Average total loans | $18,747,200 | 5,103 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8965% | 5,328 |
| Cost of funding earning assets | 0.5599% | 2,790 |
| Net interest margin | 2.3366% | 5,336 |
| Noninterest income to average assets | 0.1460% | 5,046 |
| Noninterest expense to average assets | 1.2986% | 5,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1226% | 2,565 |
| Return on assets (ROA) | 1.1226% | 2,576 |
| Pretax return on assets | 1.1226% | 3,305 |
| Return on Equity (ROE) | 9.2232% | 2,989 |
| Retained earnings to average equity (ytd only) | 5.7843% | 2,765 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6348% | 4,642 |
| Assets per employee ($millions) | 6.8899% | 982 |
| Cash dividends to net income (ytd only)* | 37.2842% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6865% | 4,898 |
| Loan loss allowance to noncurrent loans | 540.0000% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 4,779 |
| Noncurrent loans to loans | 0.1271% | 4,313 |
| Net loans and leases to total assets | 31.4970% | 5,250 |
| Net loans and leases to deposits | 36.0457% | 5,272 |
| Net loans and leases to core deposits | 37.2558% | 5,279 |
| Total domestic deposits to total assets | 87.3809% | 1,555 |
| Equity capital to assets | 12.4982% | 1,587 |
| Core capital (leverage) ratio | 10.8209% | 2,771 |
| Tier 1 risk-based capital ratio | 27.2063% | 615 |
| Total risk-based capital ratio | 29.6023% | 541 |
| Memoranda: | ||
| Average total assets | $62,115,250 | 4,770 |
| Average earning assets | $60,484,750 | 4,709 |
| Average equity | $7,560,500 | 4,719 |
| Average total loans | $18,327,500 | 5,173 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7849% | 5,409 |
| Cost of funding earning assets | 0.5199% | 2,842 |
| Net interest margin | 2.2650% | 5,430 |
| Noninterest income to average assets | 0.1480% | 5,085 |
| Noninterest expense to average assets | 1.2808% | 5,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0684% | 2,720 |
| Return on assets (ROA) | 1.0684% | 2,722 |
| Pretax return on assets | 1.0684% | 3,439 |
| Return on Equity (ROE) | 8.8565% | 3,089 |
| Retained earnings to average equity (ytd only) | 5.3886% | 2,883 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5205% | 4,633 |
| Assets per employee ($millions) | 7.0512% | 899 |
| Cash dividends to net income (ytd only)* | 39.1566% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7129% | 4,917 |
| Loan loss allowance to noncurrent loans | 4,500.0000% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 5,030 |
| Noncurrent loans to loans | 0.0158% | 4,875 |
| Net loans and leases to total assets | 29.6292% | 5,332 |
| Net loans and leases to deposits | 33.7038% | 5,353 |
| Net loans and leases to core deposits | 34.9622% | 5,356 |
| Total domestic deposits to total assets | 87.9107% | 1,429 |
| Equity capital to assets | 11.9223% | 1,907 |
| Core capital (leverage) ratio | 10.5658% | 2,964 |
| Tier 1 risk-based capital ratio | 27.0653% | 603 |
| Total risk-based capital ratio | 29.3960% | 547 |
| Memoranda: | ||
| Average total assets | $62,150,670 | 4,830 |
| Average earning assets | $60,397,000 | 4,761 |
| Average equity | $7,497,330 | 4,775 |
| Average total loans | $17,881,330 | 5,242 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7139% | 5,477 |
| Cost of funding earning assets | 0.4880% | 2,883 |
| Net interest margin | 2.2259% | 5,497 |
| Noninterest income to average assets | 0.1756% | 4,971 |
| Noninterest expense to average assets | 1.3334% | 5,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0082% | 2,825 |
| Return on assets (ROA) | 1.0082% | 2,845 |
| Pretax return on assets | 1.0082% | 3,504 |
| Return on Equity (ROE) | 8.3077% | 3,241 |
| Retained earnings to average equity (ytd only) | 4.8238% | 3,250 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9444% | 4,475 |
| Assets per employee ($millions) | 6.9547% | 979 |
| Cash dividends to net income (ytd only)* | 41.9355% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7698% | 4,868 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 5,053 |
| Noncurrent loans to loans | 0.0513% | 4,752 |
| Net loans and leases to total assets | 27.8039% | 5,413 |
| Net loans and leases to deposits | 31.6395% | 5,426 |
| Net loans and leases to core deposits | 32.8346% | 5,424 |
| Total domestic deposits to total assets | 87.8770% | 1,690 |
| Equity capital to assets | 11.9360% | 1,839 |
| Core capital (leverage) ratio | 10.6858% | 2,751 |
| Tier 1 risk-based capital ratio | 28.4626% | 537 |
| Total risk-based capital ratio | 30.9995% | 472 |
| Memoranda: | ||
| Average total assets | $61,495,500 | 4,897 |
| Average earning assets | $59,841,000 | 4,831 |
| Average equity | $7,463,000 | 4,826 |
| Average total loans | $17,353,000 | 5,319 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5619% | 5,536 |
| Cost of funding earning assets | 0.3705% | 3,513 |
| Net interest margin | 2.1914% | 5,541 |
| Noninterest income to average assets | 0.1511% | 5,200 |
| Noninterest expense to average assets | 1.5669% | 5,440 |
| Loan and lease loss provision to assets | 0.0104% | 4,071 |
| Net operating income to assets | 0.7209% | 3,516 |
| Return on assets (ROA) | 0.7209% | 3,558 |
| Pretax return on assets | 0.7209% | 4,459 |
| Return on Equity (ROE) | 5.6177% | 3,909 |
| Retained earnings to average equity (ytd only) | 1.2183% | 4,538 |
| Net charge-offs to loans | 0.0362% | 3,067 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 70.1667% | 853 |
| Efficiency ratio | 68.1784% | 2,860 |
| Assets per employee ($millions) | 6.7110% | 1,098 |
| Cash dividends to net income (ytd only)* | 78.3133% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7863% | 4,867 |
| 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 | 28.2008% | 5,461 |
| Net loans and leases to deposits | 32.2131% | 5,490 |
| Net loans and leases to core deposits | 33.2066% | 5,498 |
| Total domestic deposits to total assets | 87.5445% | 1,737 |
| Equity capital to assets | 12.3429% | 1,618 |
| Core capital (leverage) ratio | 11.0519% | 2,286 |
| Tier 1 risk-based capital ratio | 29.3467% | 486 |
| Total risk-based capital ratio | 32.1217% | 422 |
| Memoranda: | ||
| Average total assets | $57,566,000 | 5,014 |
| Average earning assets | $56,403,400 | 4,941 |
| Average equity | $7,387,400 | 4,880 |
| Average total loans | $16,570,600 | 5,404 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5370% | 5,604 |
| Cost of funding earning assets | 0.3423% | 3,745 |
| Net interest margin | 2.1947% | 5,601 |
| Noninterest income to average assets | 0.1430% | 5,293 |
| Noninterest expense to average assets | 1.4844% | 5,527 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8090% | 3,484 |
| Return on assets (ROA) | 0.8090% | 3,532 |
| Pretax return on assets | 0.8090% | 4,325 |
| Return on Equity (ROE) | 6.2410% | 4,014 |
| Retained earnings to average equity (ytd only) | 2.7135% | 4,274 |
| Net charge-offs to loans | 0.0406% | 2,628 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 68.9640% | 904 |
| Efficiency ratio | 64.7239% | 3,417 |
| Assets per employee ($millions) | 5.7020% | 1,716 |
| Cash dividends to net income (ytd only)* | 56.5208% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7618% | 4,994 |
| Loan loss allowance to noncurrent loans | 94.2029% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 4,090 |
| Noncurrent loans to loans | 0.8087% | 2,341 |
| Net loans and leases to total assets | 29.7001% | 5,506 |
| Net loans and leases to deposits | 34.2114% | 5,523 |
| Net loans and leases to core deposits | 35.3379% | 5,533 |
| Total domestic deposits to total assets | 86.8134% | 1,952 |
| Equity capital to assets | 13.0849% | 1,338 |
| Core capital (leverage) ratio | 11.5614% | 1,979 |
| Tier 1 risk-based capital ratio | 30.0208% | 474 |
| Total risk-based capital ratio | 32.6493% | 432 |
| Memoranda: | ||
| Average total assets | $56,857,750 | 5,084 |
| Average earning assets | $55,707,500 | 5,013 |
| Average equity | $7,370,500 | 4,930 |
| Average total loans | $16,421,250 | 5,471 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4989% | 5,662 |
| Cost of funding earning assets | 0.3155% | 3,924 |
| Net interest margin | 2.1834% | 5,652 |
| Noninterest income to average assets | 0.1514% | 5,303 |
| Noninterest expense to average assets | 1.4682% | 5,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8274% | 3,260 |
| Return on assets (ROA) | 0.8274% | 3,314 |
| Pretax return on assets | 0.8274% | 4,174 |
| Return on Equity (ROE) | 6.4030% | 3,872 |
| Retained earnings to average equity (ytd only) | 2.8609% | 4,010 |
| Net charge-offs to loans | 0.1357% | 1,348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 21.3636% | 1,754 |
| Efficiency ratio | 63.9571% | 3,680 |
| Assets per employee ($millions) | 6.2609% | 1,279 |
| Cash dividends to net income (ytd only)* | 55.3191% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7527% | 5,073 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 5,276 |
| Noncurrent loans to loans | 0.0243% | 5,065 |
| Net loans and leases to total assets | 29.0179% | 5,567 |
| Net loans and leases to deposits | 33.4746% | 5,581 |
| Net loans and leases to core deposits | 34.1215% | 5,597 |
| Total domestic deposits to total assets | 86.6863% | 2,094 |
| Equity capital to assets | 13.2285% | 1,263 |
| Core capital (leverage) ratio | 11.3574% | 2,079 |
| Tier 1 risk-based capital ratio | 30.1755% | 459 |
| Total risk-based capital ratio | 32.8869% | 406 |
| Memoranda: | ||
| Average total assets | $56,803,670 | 5,121 |
| Average earning assets | $55,783,670 | 5,052 |
| Average equity | $7,340,330 | 4,957 |
| Average total loans | $16,206,670 | 5,523 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4054% | 5,740 |
| Cost of funding earning assets | 0.2998% | 4,050 |
| Net interest margin | 2.1056% | 5,739 |
| Noninterest income to average assets | 0.1543% | 5,345 |
| Noninterest expense to average assets | 1.4448% | 5,665 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7785% | 3,318 |
| Return on assets (ROA) | 0.7785% | 3,377 |
| Pretax return on assets | 0.7785% | 4,190 |
| Return on Equity (ROE) | 6.0960% | 3,865 |
| Retained earnings to average equity (ytd only) | 2.5263% | 4,130 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9842% | 3,664 |
| Assets per employee ($millions) | 6.3638% | 1,253 |
| Cash dividends to net income (ytd only)* | 58.5586% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 4,928 |
| Loan loss allowance to noncurrent loans | 2,250.0000% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 5,316 |
| Noncurrent loans to loans | 0.0378% | 5,048 |
| Net loans and leases to total assets | 27.5081% | 5,641 |
| Net loans and leases to deposits | 31.5757% | 5,659 |
| Net loans and leases to core deposits | 32.1714% | 5,665 |
| Total domestic deposits to total assets | 87.1181% | 2,149 |
| Equity capital to assets | 12.8086% | 1,347 |
| Core capital (leverage) ratio | 10.9234% | 2,446 |
| Tier 1 risk-based capital ratio | 30.9846% | 449 |
| Total risk-based capital ratio | 33.7267% | 388 |
| Memoranda: | ||
| Average total assets | $57,031,500 | 5,170 |
| Average earning assets | $56,041,000 | 5,102 |
| Average equity | $7,283,500 | 5,009 |
| Average total loans | $16,072,500 | 5,591 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4518% | 5,772 |
| Cost of funding earning assets | 0.2842% | 4,217 |
| Net interest margin | 2.1676% | 5,767 |
| Noninterest income to average assets | 0.1778% | 5,332 |
| Noninterest expense to average assets | 1.4774% | 5,729 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8198% | 3,211 |
| Return on assets (ROA) | 0.8198% | 3,310 |
| Pretax return on assets | 0.8198% | 4,134 |
| Return on Equity (ROE) | 6.5305% | 3,723 |
| Retained earnings to average equity (ytd only) | 1.3748% | 4,719 |
| Net charge-offs to loans | -0.0185% | 5,104 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3125% | 3,884 |
| Assets per employee ($millions) | 6.3099% | 1,251 |
| Cash dividends to net income (ytd only)* | 78.9474% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8305% | 5,017 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 28.3858% | 5,672 |
| Net loans and leases to deposits | 32.5597% | 5,707 |
| Net loans and leases to core deposits | 33.1776% | 5,719 |
| Total domestic deposits to total assets | 87.1806% | 2,040 |
| Equity capital to assets | 12.7331% | 1,377 |
| Core capital (leverage) ratio | 11.5026% | 1,924 |
| Tier 1 risk-based capital ratio | 30.4583% | 464 |
| Total risk-based capital ratio | 33.0683% | 410 |
| Memoranda: | ||
| Average total assets | $57,939,600 | 5,194 |
| Average earning assets | $56,653,000 | 5,114 |
| Average equity | $7,273,600 | 5,047 |
| Average total loans | $16,235,400 | 5,636 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4368% | 5,840 |
| Cost of funding earning assets | 0.2861% | 4,239 |
| Net interest margin | 2.1507% | 5,839 |
| Noninterest income to average assets | 0.1626% | 5,456 |
| Noninterest expense to average assets | 1.3579% | 5,835 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9045% | 2,882 |
| Return on assets (ROA) | 0.9045% | 3,022 |
| Pretax return on assets | 0.9045% | 3,963 |
| Return on Equity (ROE) | 7.2300% | 3,435 |
| Retained earnings to average equity (ytd only) | 3.2032% | 3,992 |
| Net charge-offs to loans | -0.0246% | 5,081 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0202% | 4,537 |
| Assets per employee ($millions) | 6.1944% | 1,296 |
| Cash dividends to net income (ytd only)* | 55.6973% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8304% | 5,102 |
| Loan loss allowance to noncurrent loans | 421.8750% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 5,222 |
| Noncurrent loans to loans | 0.1968% | 4,563 |
| Net loans and leases to total assets | 28.9184% | 5,734 |
| Net loans and leases to deposits | 33.3906% | 5,764 |
| Net loans and leases to core deposits | 34.0399% | 5,781 |
| Total domestic deposits to total assets | 86.6063% | 2,080 |
| Equity capital to assets | 13.3327% | 1,329 |
| Core capital (leverage) ratio | 11.5925% | 1,965 |
| Tier 1 risk-based capital ratio | 30.9703% | 447 |
| Total risk-based capital ratio | 33.7857% | 389 |
| Memoranda: | ||
| Average total assets | $58,227,250 | 5,231 |
| Average earning assets | $56,849,250 | 5,154 |
| Average equity | $7,284,250 | 5,094 |
| Average total loans | $16,230,500 | 5,693 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4005% | 5,930 |
| Cost of funding earning assets | 0.2814% | 4,331 |
| Net interest margin | 2.1191% | 5,927 |
| Noninterest income to average assets | 0.1422% | 5,601 |
| Noninterest expense to average assets | 1.3073% | 5,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9009% | 2,861 |
| Return on assets (ROA) | 0.9009% | 2,994 |
| Pretax return on assets | 0.9009% | 3,952 |
| Return on Equity (ROE) | 7.3535% | 3,342 |
| Retained earnings to average equity (ytd only) | 3.0686% | 3,959 |
| Net charge-offs to loans | -0.0247% | 5,039 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2025% | 4,745 |
| Assets per employee ($millions) | 6.3252% | 1,184 |
| Cash dividends to net income (ytd only)* | 58.2707% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8257% | 5,208 |
| Loan loss allowance to noncurrent loans | 89.3333% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 4,448 |
| Noncurrent loans to loans | 0.9243% | 2,422 |
| Net loans and leases to total assets | 28.2731% | 5,816 |
| Net loans and leases to deposits | 32.4614% | 5,844 |
| Net loans and leases to core deposits | 33.0744% | 5,858 |
| Total domestic deposits to total assets | 87.0975% | 1,866 |
| Equity capital to assets | 12.8498% | 1,586 |
| Core capital (leverage) ratio | 11.1315% | 2,297 |
| Tier 1 risk-based capital ratio | 30.8016% | 464 |
| Total risk-based capital ratio | 33.4945% | 402 |
| Memoranda: | ||
| Average total assets | $59,053,000 | 5,261 |
| Average earning assets | $57,571,330 | 5,182 |
| Average equity | $7,234,670 | 5,150 |
| Average total loans | $16,221,670 | 5,764 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3658% | 6,006 |
| Cost of funding earning assets | 0.2803% | 4,386 |
| Net interest margin | 2.0855% | 5,999 |
| Noninterest income to average assets | 0.1397% | 5,649 |
| Noninterest expense to average assets | 1.2709% | 6,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8983% | 2,763 |
| Return on assets (ROA) | 0.8983% | 2,892 |
| Pretax return on assets | 0.8983% | 3,849 |
| Return on Equity (ROE) | 7.5057% | 3,185 |
| Retained earnings to average equity (ytd only) | 3.8919% | 3,549 |
| Net charge-offs to loans | -0.0493% | 5,320 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5890% | 4,928 |
| Assets per employee ($millions) | 6.5582% | 1,076 |
| Cash dividends to net income (ytd only)* | 48.1481% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8367% | 5,268 |
| Loan loss allowance to noncurrent loans | 13,400.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 5,687 |
| Noncurrent loans to loans | 0.0062% | 5,501 |
| Net loans and leases to total assets | 26.9060% | 5,896 |
| Net loans and leases to deposits | 30.6980% | 5,921 |
| Net loans and leases to core deposits | 31.4693% | 5,926 |
| Total domestic deposits to total assets | 87.6474% | 1,835 |
| Equity capital to assets | 12.2781% | 1,846 |
| Core capital (leverage) ratio | 10.6774% | 2,762 |
| Tier 1 risk-based capital ratio | 30.1314% | 505 |
| Total risk-based capital ratio | 32.7589% | 441 |
| Memoranda: | ||
| Average total assets | $60,116,000 | 5,286 |
| Average earning assets | $58,500,500 | 5,199 |
| Average equity | $7,194,500 | 5,189 |
| Average total loans | $16,218,000 | 5,815 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3402% | 6,041 |
| Cost of funding earning assets | 0.3029% | 4,211 |
| Net interest margin | 2.0372% | 6,046 |
| Noninterest income to average assets | 0.1520% | 5,657 |
| Noninterest expense to average assets | 1.3414% | 6,061 |
| Loan and lease loss provision to assets | 0.0016% | 4,355 |
| Net operating income to assets | 0.7647% | 3,497 |
| Return on assets (ROA) | 0.7647% | 3,586 |
| Pretax return on assets | 0.7647% | 4,319 |
| Return on Equity (ROE) | 6.5941% | 3,737 |
| Retained earnings to average equity (ytd only) | 2.0149% | 4,581 |
| Net charge-offs to loans | -0.0060% | 5,006 |
| Credit loss provision to net charge-offs | -100.0000% | 5,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6434% | 4,342 |
| Assets per employee ($millions) | 6.8009% | 963 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8038% | 5,400 |
| Loan loss allowance to noncurrent loans | 13,200.0000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 5,731 |
| Noncurrent loans to loans | 0.0061% | 5,525 |
| Net loans and leases to total assets | 26.6125% | 5,965 |
| Net loans and leases to deposits | 30.1497% | 5,987 |
| Net loans and leases to core deposits | 30.8738% | 5,996 |
| Total domestic deposits to total assets | 88.2679% | 1,499 |
| Equity capital to assets | 11.6684% | 2,218 |
| Core capital (leverage) ratio | 10.7444% | 2,665 |
| Tier 1 risk-based capital ratio | 29.7647% | 516 |
| Total risk-based capital ratio | 32.3461% | 459 |
| Memoranda: | ||
| Average total assets | $61,202,800 | 5,290 |
| Average earning assets | $58,756,000 | 5,220 |
| Average equity | $7,097,200 | 5,225 |
| Average total loans | $16,805,000 | 5,837 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3545% | 6,133 |
| Cost of funding earning assets | 0.3077% | 4,249 |
| Net interest margin | 2.0468% | 6,126 |
| Noninterest income to average assets | 0.1264% | 5,843 |
| Noninterest expense to average assets | 1.2701% | 6,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8126% | 3,372 |
| Return on assets (ROA) | 0.8126% | 3,460 |
| Pretax return on assets | 0.8126% | 4,297 |
| Return on Equity (ROE) | 7.0183% | 3,605 |
| Retained earnings to average equity (ytd only) | 3.3493% | 4,088 |
| Net charge-offs to loans | -0.0079% | 4,917 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9833% | 4,735 |
| Assets per employee ($millions) | 6.5649% | 1,044 |
| Cash dividends to net income (ytd only)* | 52.2782% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7884% | 5,547 |
| Loan loss allowance to noncurrent loans | 2,620.0000% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 5,772 |
| Noncurrent loans to loans | 0.0301% | 5,502 |
| Net loans and leases to total assets | 27.8993% | 6,029 |
| Net loans and leases to deposits | 31.7721% | 6,053 |
| Net loans and leases to core deposits | 32.3660% | 6,066 |
| Total domestic deposits to total assets | 87.8106% | 1,653 |
| Equity capital to assets | 12.1268% | 2,012 |
| Core capital (leverage) ratio | 10.5608% | 2,973 |
| Tier 1 risk-based capital ratio | 29.5498% | 549 |
| Total risk-based capital ratio | 32.0096% | 478 |
| Memoranda: | ||
| Average total assets | $61,201,500 | 5,357 |
| Average earning assets | $58,495,500 | 5,293 |
| Average equity | $7,086,000 | 5,296 |
| Average total loans | $16,901,000 | 5,907 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3307% | 6,214 |
| Cost of funding earning assets | 0.3087% | 4,299 |
| Net interest margin | 2.0219% | 6,206 |
| Noninterest income to average assets | 0.1195% | 5,944 |
| Noninterest expense to average assets | 1.2244% | 6,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8206% | 3,277 |
| Return on assets (ROA) | 0.8206% | 3,378 |
| Pretax return on assets | 0.8206% | 4,248 |
| Return on Equity (ROE) | 7.1958% | 3,487 |
| Retained earnings to average equity (ytd only) | 3.5129% | 3,794 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8736% | 5,001 |
| Assets per employee ($millions) | 6.8080% | 923 |
| Cash dividends to net income (ytd only)* | 51.1811% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7573% | 5,699 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 5,525 |
| Noncurrent loans to loans | 0.3029% | 4,603 |
| Net loans and leases to total assets | 27.8039% | 6,099 |
| Net loans and leases to deposits | 31.5044% | 6,129 |
| Net loans and leases to core deposits | 32.0684% | 6,136 |
| Total domestic deposits to total assets | 88.2540% | 1,517 |
| Equity capital to assets | 11.6627% | 2,280 |
| Core capital (leverage) ratio | 10.0783% | 3,494 |
| Tier 1 risk-based capital ratio | 27.6088% | 672 |
| Total risk-based capital ratio | 30.0160% | 593 |
| Memoranda: | ||
| Average total assets | $61,907,330 | 5,398 |
| Average earning assets | $58,953,000 | 5,331 |
| Average equity | $7,059,670 | 5,344 |
| Average total loans | $16,996,330 | 5,963 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2799% | 6,292 |
| Cost of funding earning assets | 0.3094% | 4,335 |
| Net interest margin | 1.9705% | 6,281 |
| Noninterest income to average assets | 0.1157% | 6,016 |
| Noninterest expense to average assets | 1.1828% | 6,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8164% | 3,178 |
| Return on assets (ROA) | 0.8164% | 3,304 |
| Pretax return on assets | 0.8164% | 4,178 |
| Return on Equity (ROE) | 7.2401% | 3,373 |
| Retained earnings to average equity (ytd only) | 3.5345% | 3,876 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1640% | 5,200 |
| Assets per employee ($millions) | 7.0104% | 847 |
| Cash dividends to net income (ytd only)* | 51.1811% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7491% | 5,809 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 5,685 |
| Noncurrent loans to loans | 0.2247% | 4,967 |
| Net loans and leases to total assets | 27.3005% | 6,161 |
| Net loans and leases to deposits | 30.7650% | 6,183 |
| Net loans and leases to core deposits | 31.2966% | 6,198 |
| Total domestic deposits to total assets | 88.7390% | 1,431 |
| Equity capital to assets | 11.1881% | 2,767 |
| Core capital (leverage) ratio | 10.0356% | 3,551 |
| Tier 1 risk-based capital ratio | 22.5343% | 1,167 |
| Total risk-based capital ratio | 24.4529% | 1,058 |
| Memoranda: | ||
| Average total assets | $62,225,000 | 5,445 |
| Average earning assets | $59,476,500 | 5,371 |
| Average equity | $7,016,500 | 5,401 |
| Average total loans | $16,911,500 | 6,021 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3080% | 6,377 |
| Cost of funding earning assets | 0.3377% | 4,391 |
| Net interest margin | 1.9703% | 6,377 |
| Noninterest income to average assets | 0.1975% | 5,672 |
| Noninterest expense to average assets | 1.3910% | 6,358 |
| Loan and lease loss provision to assets | 0.0017% | 4,577 |
| Net operating income to assets | 0.7056% | 3,863 |
| Return on assets (ROA) | 0.7056% | 3,981 |
| Pretax return on assets | 0.7056% | 4,606 |
| Return on Equity (ROE) | 6.0260% | 4,134 |
| Retained earnings to average equity (ytd only) | -0.6776% | 5,875 |
| Net charge-offs to loans | 0.0062% | 4,805 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 419.0000% | 127 |
| Efficiency ratio | 66.2912% | 4,200 |
| Assets per employee ($millions) | 6.1356% | 1,294 |
| Cash dividends to net income (ytd only)* | 111.2440% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7894% | 5,801 |
| Loan loss allowance to noncurrent loans | 722.2222% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 5,927 |
| Noncurrent loans to loans | 0.1093% | 5,459 |
| Net loans and leases to total assets | 26.6282% | 6,266 |
| Net loans and leases to deposits | 30.0662% | 6,296 |
| Net loans and leases to core deposits | 30.6012% | 6,305 |
| Total domestic deposits to total assets | 88.5651% | 1,485 |
| Equity capital to assets | 11.3665% | 2,543 |
| Core capital (leverage) ratio | 10.2608% | 3,231 |
| Tier 1 risk-based capital ratio | 26.7048% | 704 |
| Total risk-based capital ratio | 28.9968% | 617 |
| Memoranda: | ||
| Average total assets | $59,237,600 | 5,567 |
| Average earning assets | $57,149,000 | 5,483 |
| Average equity | $6,936,600 | 5,431 |
| Average total loans | $16,198,800 | 6,120 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3258% | 6,453 |
| Cost of funding earning assets | 0.3447% | 4,396 |
| Net interest margin | 1.9811% | 6,453 |
| Noninterest income to average assets | 0.1976% | 5,744 |
| Noninterest expense to average assets | 1.2968% | 6,456 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8062% | 3,407 |
| Return on assets (ROA) | 0.8062% | 3,499 |
| Pretax return on assets | 0.8062% | 4,346 |
| Return on Equity (ROE) | 6.8327% | 3,797 |
| Retained earnings to average equity (ytd only) | 0.3850% | 5,694 |
| Net charge-offs to loans | -0.0082% | 5,393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6631% | 4,937 |
| Assets per employee ($millions) | 5.9289% | 1,380 |
| Cash dividends to net income (ytd only)* | 94.3674% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8195% | 5,828 |
| Loan loss allowance to noncurrent loans | 135.0515% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.1636% | 5,537 |
| Noncurrent loans to loans | 0.6068% | 4,109 |
| Net loans and leases to total assets | 26.7402% | 6,342 |
| Net loans and leases to deposits | 30.3408% | 6,364 |
| Net loans and leases to core deposits | 30.7230% | 6,378 |
| Total domestic deposits to total assets | 88.1327% | 1,700 |
| Equity capital to assets | 11.8083% | 2,215 |
| Core capital (leverage) ratio | 10.5400% | 2,999 |
| Tier 1 risk-based capital ratio | 27.7004% | 662 |
| Total risk-based capital ratio | 29.9942% | 587 |
| Memoranda: | ||
| Average total assets | $58,708,000 | 5,643 |
| Average earning assets | $56,466,500 | 5,563 |
| Average equity | $6,927,250 | 5,481 |
| Average total loans | $16,131,500 | 6,189 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3358% | 6,517 |
| Cost of funding earning assets | 0.3530% | 4,404 |
| Net interest margin | 1.9827% | 6,525 |
| Noninterest income to average assets | 0.2119% | 5,685 |
| Noninterest expense to average assets | 1.2749% | 6,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8374% | 3,139 |
| Return on assets (ROA) | 0.8374% | 3,232 |
| Pretax return on assets | 0.8374% | 4,132 |
| Return on Equity (ROE) | 7.0987% | 3,576 |
| Retained earnings to average equity (ytd only) | -0.7244% | 5,813 |
| Net charge-offs to loans | -0.0124% | 5,384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3560% | 5,239 |
| Assets per employee ($millions) | 6.4396% | 1,043 |
| Cash dividends to net income (ytd only)* | 110.2041% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8131% | 5,941 |
| Loan loss allowance to noncurrent loans | 623.8095% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 6,097 |
| Noncurrent loans to loans | 0.1303% | 5,615 |
| Net loans and leases to total assets | 27.5726% | 6,381 |
| Net loans and leases to deposits | 31.3549% | 6,404 |
| Net loans and leases to core deposits | 31.7599% | 6,416 |
| Total domestic deposits to total assets | 87.9374% | 1,937 |
| Equity capital to assets | 11.9901% | 1,989 |
| Core capital (leverage) ratio | 10.5290% | 2,911 |
| Tier 1 risk-based capital ratio | 27.8709% | 654 |
| Total risk-based capital ratio | 30.1912% | 570 |
| Memoranda: | ||
| Average total assets | $58,514,330 | 5,700 |
| Average earning assets | $56,084,670 | 5,618 |
| Average equity | $6,902,670 | 5,506 |
| Average total loans | $16,180,330 | 6,232 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3203% | 6,593 |
| Cost of funding earning assets | 0.3537% | 4,503 |
| Net interest margin | 1.9666% | 6,598 |
| Noninterest income to average assets | 0.1905% | 5,821 |
| Noninterest expense to average assets | 1.2450% | 6,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8368% | 2,971 |
| Return on assets (ROA) | 0.8368% | 3,040 |
| Pretax return on assets | 0.8368% | 3,950 |
| Return on Equity (ROE) | 7.1517% | 3,385 |
| Retained earnings to average equity (ytd only) | -1.8606% | 5,845 |
| Net charge-offs to loans | -0.0247% | 5,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8039% | 5,428 |
| Assets per employee ($millions) | 6.6390% | 951 |
| Cash dividends to net income (ytd only)* | 126.0163% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7916% | 6,124 |
| Loan loss allowance to noncurrent loans | 2,620.0000% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 6,311 |
| Noncurrent loans to loans | 0.0302% | 6,064 |
| Net loans and leases to total assets | 27.4774% | 6,431 |
| Net loans and leases to deposits | 31.0682% | 6,457 |
| Net loans and leases to core deposits | 31.4551% | 6,470 |
| Total domestic deposits to total assets | 88.4420% | 1,967 |
| Equity capital to assets | 11.4944% | 2,253 |
| Core capital (leverage) ratio | 10.4347% | 3,011 |
| Tier 1 risk-based capital ratio | 27.1535% | 706 |
| Total risk-based capital ratio | 29.3016% | 625 |
| Memoranda: | ||
| Average total assets | $58,793,500 | 5,745 |
| Average earning assets | $56,543,500 | 5,648 |
| Average equity | $6,879,500 | 5,548 |
| Average total loans | $16,215,000 | 6,297 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3872% | 6,650 |
| Cost of funding earning assets | 0.4032% | 4,618 |
| Net interest margin | 1.9840% | 6,648 |
| Noninterest income to average assets | 0.2255% | 5,725 |
| Noninterest expense to average assets | 1.3993% | 6,631 |
| Loan and lease loss provision to assets | 0.0036% | 5,041 |
| Net operating income to assets | 0.7247% | 3,678 |
| Return on assets (ROA) | 0.7247% | 3,769 |
| Pretax return on assets | 0.7247% | 4,440 |
| Return on Equity (ROE) | 5.8952% | 4,151 |
| Retained earnings to average equity (ytd only) | 1.1645% | 5,305 |
| Net charge-offs to loans | -0.0193% | 6,134 |
| Credit loss provision to net charge-offs | -66.6667% | 5,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7696% | 4,600 |
| Assets per employee ($millions) | 6.4262% | 1,021 |
| Cash dividends to net income (ytd only)* | 80.2469% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8186% | 6,131 |
| Loan loss allowance to noncurrent loans | 1,857.1429% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 6,381 |
| Noncurrent loans to loans | 0.0441% | 6,106 |
| Net loans and leases to total assets | 27.2339% | 6,541 |
| Net loans and leases to deposits | 30.9383% | 6,564 |
| Net loans and leases to core deposits | 31.3384% | 6,577 |
| Total domestic deposits to total assets | 88.0265% | 2,161 |
| Equity capital to assets | 11.9147% | 1,855 |
| Core capital (leverage) ratio | 11.1179% | 2,272 |
| Tier 1 risk-based capital ratio | 28.1390% | 601 |
| Total risk-based capital ratio | 30.3397% | 540 |
| Memoranda: | ||
| Average total assets | $55,884,200 | 5,876 |
| Average earning assets | $53,578,000 | 5,781 |
| Average equity | $6,870,000 | 5,605 |
| Average total loans | $15,527,800 | 6,392 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4086% | 6,727 |
| Cost of funding earning assets | 0.4115% | 4,708 |
| Net interest margin | 1.9971% | 6,727 |
| Noninterest income to average assets | 0.1781% | 6,126 |
| Noninterest expense to average assets | 1.3045% | 6,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7894% | 3,402 |
| Return on assets (ROA) | 0.7894% | 3,535 |
| Pretax return on assets | 0.7894% | 4,334 |
| Return on Equity (ROE) | 6.3705% | 3,995 |
| Retained earnings to average equity (ytd only) | 2.5832% | 4,779 |
| Net charge-offs to loans | -0.0432% | 6,267 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2989% | 5,097 |
| Assets per employee ($millions) | 5.9872% | 1,249 |
| Cash dividends to net income (ytd only)* | 59.4507% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 6,214 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 6,440 |
| Noncurrent loans to loans | 0.0641% | 6,148 |
| Net loans and leases to total assets | 28.7223% | 6,575 |
| Net loans and leases to deposits | 32.9782% | 6,594 |
| Net loans and leases to core deposits | 33.4414% | 6,619 |
| Total domestic deposits to total assets | 87.0947% | 2,638 |
| Equity capital to assets | 12.8477% | 1,394 |
| Core capital (leverage) ratio | 11.6150% | 1,935 |
| Tier 1 risk-based capital ratio | 29.6339% | 535 |
| Total risk-based capital ratio | 31.8841% | 489 |
| Memoranda: | ||
| Average total assets | $55,396,250 | 5,955 |
| Average earning assets | $53,142,500 | 5,861 |
| Average equity | $6,864,750 | 5,679 |
| Average total loans | $15,439,500 | 6,460 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3914% | 6,774 |
| Cost of funding earning assets | 0.4178% | 4,775 |
| Net interest margin | 1.9736% | 6,777 |
| Noninterest income to average assets | 0.1717% | 6,181 |
| Noninterest expense to average assets | 1.2916% | 6,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7728% | 3,448 |
| Return on assets (ROA) | 0.7728% | 3,596 |
| Pretax return on assets | 0.7728% | 4,421 |
| Return on Equity (ROE) | 6.3109% | 3,986 |
| Retained earnings to average equity (ytd only) | 2.5127% | 4,696 |
| Net charge-offs to loans | -0.0520% | 6,282 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5650% | 5,084 |
| Assets per employee ($millions) | 6.0574% | 1,166 |
| Cash dividends to net income (ytd only)* | 60.1852% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 6,208 |
| Loan loss allowance to noncurrent loans | 243.3962% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 6,203 |
| Noncurrent loans to loans | 0.3596% | 5,376 |
| Net loans and leases to total assets | 26.8008% | 6,662 |
| Net loans and leases to deposits | 30.7102% | 6,680 |
| Net loans and leases to core deposits | 31.1356% | 6,700 |
| Total domestic deposits to total assets | 87.2700% | 2,679 |
| Equity capital to assets | 12.6676% | 1,488 |
| Core capital (leverage) ratio | 11.3322% | 2,069 |
| Tier 1 risk-based capital ratio | 30.2106% | 508 |
| Total risk-based capital ratio | 32.5318% | 460 |
| Memoranda: | ||
| Average total assets | $55,900,000 | 5,974 |
| Average earning assets | $53,608,000 | 5,875 |
| Average equity | $6,845,330 | 5,725 |
| Average total loans | $15,383,670 | 6,503 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3928% | 6,842 |
| Cost of funding earning assets | 0.4171% | 4,937 |
| Net interest margin | 1.9757% | 6,853 |
| Noninterest income to average assets | 0.1626% | 6,288 |
| Noninterest expense to average assets | 1.2511% | 6,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8199% | 3,046 |
| Return on assets (ROA) | 0.8199% | 3,185 |
| Pretax return on assets | 0.8199% | 4,087 |
| Return on Equity (ROE) | 6.8085% | 3,593 |
| Retained earnings to average equity (ytd only) | 2.9934% | 4,486 |
| Net charge-offs to loans | -0.0764% | 6,323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4096% | 5,530 |
| Assets per employee ($millions) | 6.2404% | 1,116 |
| Cash dividends to net income (ytd only)* | 56.0345% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8242% | 6,416 |
| Loan loss allowance to noncurrent loans | 278.2609% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 6,347 |
| Noncurrent loans to loans | 0.2962% | 5,663 |
| Net loans and leases to total assets | 27.4250% | 6,686 |
| Net loans and leases to deposits | 31.2796% | 6,709 |
| Net loans and leases to core deposits | 31.6980% | 6,730 |
| Total domestic deposits to total assets | 87.6772% | 2,531 |
| Equity capital to assets | 12.2516% | 1,864 |
| Core capital (leverage) ratio | 11.0167% | 2,249 |
| Tier 1 risk-based capital ratio | 28.7199% | 598 |
| Total risk-based capital ratio | 30.8877% | 547 |
| Memoranda: | ||
| Average total assets | $56,591,500 | 6,009 |
| Average earning assets | $54,664,500 | 5,887 |
| Average equity | $6,815,000 | 5,789 |
| Average total loans | $15,705,500 | 6,546 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5328% | 6,931 |
| Cost of funding earning assets | 0.5051% | 5,180 |
| Net interest margin | 2.0277% | 6,925 |
| Noninterest income to average assets | 0.2402% | 5,731 |
| Noninterest expense to average assets | 1.4570% | 6,891 |
| Loan and lease loss provision to assets | 0.0106% | 5,788 |
| Net operating income to assets | 0.7294% | 3,609 |
| Return on assets (ROA) | 0.7294% | 3,856 |
| Pretax return on assets | 0.7294% | 4,559 |
| Return on Equity (ROE) | 6.1301% | 4,097 |
| Retained earnings to average equity (ytd only) | 1.3062% | 5,216 |
| Net charge-offs to loans | -0.0260% | 6,594 |
| Credit loss provision to net charge-offs | -150.0000% | 6,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3183% | 4,439 |
| Assets per employee ($millions) | 6.3354% | 1,077 |
| Cash dividends to net income (ytd only)* | 78.6925% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7872% | 6,509 |
| Loan loss allowance to noncurrent loans | 1,785.7143% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 6,654 |
| Noncurrent loans to loans | 0.0441% | 6,398 |
| Net loans and leases to total assets | 27.6311% | 6,770 |
| Net loans and leases to deposits | 31.3607% | 6,802 |
| Net loans and leases to core deposits | 31.7718% | 6,813 |
| Total domestic deposits to total assets | 88.1075% | 2,164 |
| Equity capital to assets | 11.8364% | 2,153 |
| Core capital (leverage) ratio | 10.7920% | 2,449 |
| Tier 1 risk-based capital ratio | 27.8686% | 636 |
| Total risk-based capital ratio | 29.8062% | 575 |
| Memoranda: | ||
| Average total assets | $56,621,800 | 6,009 |
| Average earning assets | $54,642,200 | 5,908 |
| Average equity | $6,737,200 | 5,831 |
| Average total loans | $15,361,800 | 6,636 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5702% | 7,032 |
| Cost of funding earning assets | 0.5253% | 5,271 |
| Net interest margin | 2.0450% | 7,023 |
| Noninterest income to average assets | 0.2548% | 5,744 |
| Noninterest expense to average assets | 1.3729% | 7,003 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8563% | 3,187 |
| Return on assets (ROA) | 0.8563% | 3,437 |
| Pretax return on assets | 0.8563% | 4,272 |
| Return on Equity (ROE) | 7.1870% | 3,706 |
| Retained earnings to average equity (ytd only) | 3.3261% | 4,531 |
| Net charge-offs to loans | -0.0963% | 6,844 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5873% | 5,218 |
| Assets per employee ($millions) | 6.2207% | 1,109 |
| Cash dividends to net income (ytd only)* | 53.7181% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8171% | 6,565 |
| Loan loss allowance to noncurrent loans | 466.6667% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 6,634 |
| Noncurrent loans to loans | 0.1751% | 6,173 |
| Net loans and leases to total assets | 27.3193% | 6,895 |
| Net loans and leases to deposits | 31.1501% | 6,928 |
| Net loans and leases to core deposits | 31.5680% | 6,943 |
| Total domestic deposits to total assets | 87.7023% | 2,223 |
| Equity capital to assets | 12.2298% | 2,089 |
| Core capital (leverage) ratio | 11.2398% | 2,182 |
| Tier 1 risk-based capital ratio | 28.6884% | 607 |
| Total risk-based capital ratio | 30.6944% | 551 |
| Memoranda: | ||
| Average total assets | $56,522,500 | 6,079 |
| Average earning assets | $54,571,750 | 5,975 |
| Average equity | $6,734,250 | 5,896 |
| Average total loans | $15,232,250 | 6,732 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5969% | 7,103 |
| Cost of funding earning assets | 0.5435% | 5,345 |
| Net interest margin | 2.0534% | 7,089 |
| Noninterest income to average assets | 0.1799% | 6,280 |
| Noninterest expense to average assets | 1.3792% | 7,065 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7866% | 3,444 |
| Return on assets (ROA) | 0.7866% | 3,699 |
| Pretax return on assets | 0.7866% | 4,520 |
| Return on Equity (ROE) | 6.6600% | 3,957 |
| Retained earnings to average equity (ytd only) | 2.7775% | 4,772 |
| Net charge-offs to loans | -0.1187% | 6,890 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6808% | 4,952 |
| Assets per employee ($millions) | 6.1707% | 1,127 |
| Cash dividends to net income (ytd only)* | 58.2960% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8197% | 6,634 |
| Loan loss allowance to noncurrent loans | 223.2143% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 6,251 |
| Noncurrent loans to loans | 0.3672% | 5,807 |
| Net loans and leases to total assets | 27.2328% | 6,950 |
| Net loans and leases to deposits | 31.0300% | 6,984 |
| Net loans and leases to core deposits | 31.4494% | 7,001 |
| Total domestic deposits to total assets | 87.7629% | 2,302 |
| Equity capital to assets | 12.1885% | 2,010 |
| Core capital (leverage) ratio | 10.9799% | 2,317 |
| Tier 1 risk-based capital ratio | 28.8209% | 585 |
| Total risk-based capital ratio | 30.8421% | 528 |
| Memoranda: | ||
| Average total assets | $56,701,330 | 6,120 |
| Average earning assets | $54,834,670 | 6,004 |
| Average equity | $6,696,670 | 5,931 |
| Average total loans | $15,169,330 | 6,790 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5890% | 7,158 |
| Cost of funding earning assets | 0.5737% | 5,327 |
| Net interest margin | 2.0153% | 7,160 |
| Noninterest income to average assets | 0.1955% | 6,216 |
| Noninterest expense to average assets | 1.3477% | 7,151 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8100% | 3,330 |
| Return on assets (ROA) | 0.8100% | 3,566 |
| Pretax return on assets | 0.8100% | 4,374 |
| Return on Equity (ROE) | 6.9664% | 3,799 |
| Retained earnings to average equity (ytd only) | 3.0628% | 4,726 |
| Net charge-offs to loans | -0.1851% | 6,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4595% | 5,197 |
| Assets per employee ($millions) | 6.3340% | 1,067 |
| Cash dividends to net income (ytd only)* | 56.0345% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 6,749 |
| Loan loss allowance to noncurrent loans | 69.3182% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3087% | 6,119 |
| Noncurrent loans to loans | 1.1495% | 4,411 |
| Net loans and leases to total assets | 26.6446% | 7,015 |
| Net loans and leases to deposits | 30.2064% | 7,051 |
| Net loans and leases to core deposits | 30.6020% | 7,067 |
| Total domestic deposits to total assets | 88.2083% | 2,182 |
| Equity capital to assets | 11.7286% | 2,241 |
| Core capital (leverage) ratio | 10.7519% | 2,491 |
| Tier 1 risk-based capital ratio | 27.7997% | 659 |
| Total risk-based capital ratio | 29.7168% | 598 |
| Memoranda: | ||
| Average total assets | $57,284,000 | 6,141 |
| Average earning assets | $55,773,500 | 6,010 |
| Average equity | $6,660,500 | 5,979 |
| Average total loans | $15,129,500 | 6,846 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8612% | 7,205 |
| Cost of funding earning assets | 0.7414% | 5,269 |
| Net interest margin | 2.1198% | 7,201 |
| Noninterest income to average assets | 0.1838% | 6,180 |
| Noninterest expense to average assets | 1.5507% | 7,141 |
| Loan and lease loss provision to assets | 0.0019% | 6,487 |
| Net operating income to assets | 0.6900% | 3,536 |
| Return on assets (ROA) | 0.6881% | 3,728 |
| Pretax return on assets | 0.6881% | 4,367 |
| Return on Equity (ROE) | 5.5745% | 4,091 |
| Retained earnings to average equity (ytd only) | 0.6379% | 5,551 |
| Net charge-offs to loans | -0.0685% | 7,091 |
| Credit loss provision to net charge-offs | -10.0000% | 6,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1472% | 4,120 |
| Assets per employee ($millions) | 6.3958% | 1,009 |
| Cash dividends to net income (ytd only)* | 88.5559% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7693% | 6,803 |
| Loan loss allowance to noncurrent loans | 95.0413% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 6,441 |
| Noncurrent loans to loans | 0.8095% | 5,075 |
| Net loans and leases to total assets | 25.7687% | 7,124 |
| Net loans and leases to deposits | 29.1460% | 7,150 |
| Net loans and leases to core deposits | 29.5231% | 7,161 |
| Total domestic deposits to total assets | 88.4125% | 1,901 |
| Equity capital to assets | 11.5267% | 2,481 |
| Core capital (leverage) ratio | 10.5563% | 2,654 |
| Tier 1 risk-based capital ratio | 27.8056% | 638 |
| Total risk-based capital ratio | 29.6559% | 585 |
| Memoranda: | ||
| Average total assets | $53,331,800 | 6,248 |
| Average earning assets | $51,797,200 | 6,128 |
| Average equity | $6,583,600 | 5,989 |
| Average total loans | $14,597,400 | 6,925 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9275% | 7,276 |
| Cost of funding earning assets | 0.7786% | 5,286 |
| Net interest margin | 2.1489% | 7,275 |
| Noninterest income to average assets | 0.1785% | 6,310 |
| Noninterest expense to average assets | 1.4870% | 7,233 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7754% | 3,277 |
| Return on assets (ROA) | 0.7728% | 3,449 |
| Pretax return on assets | 0.7728% | 4,226 |
| Return on Equity (ROE) | 6.1483% | 3,954 |
| Retained earnings to average equity (ytd only) | 2.1915% | 5,027 |
| Net charge-offs to loans | -0.0919% | 7,153 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7272% | 4,762 |
| Assets per employee ($millions) | 5.7404% | 1,401 |
| Cash dividends to net income (ytd only)* | 64.3556% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7641% | 6,871 |
| Loan loss allowance to noncurrent loans | 1,036.3636% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 7,010 |
| Noncurrent loans to loans | 0.0737% | 6,745 |
| Net loans and leases to total assets | 28.6583% | 7,130 |
| Net loans and leases to deposits | 32.9418% | 7,158 |
| Net loans and leases to core deposits | 33.4251% | 7,175 |
| Total domestic deposits to total assets | 86.9967% | 2,660 |
| Equity capital to assets | 12.9374% | 1,645 |
| Core capital (leverage) ratio | 11.8941% | 1,768 |
| Tier 1 risk-based capital ratio | 29.9205% | 541 |
| Total risk-based capital ratio | 31.8014% | 499 |
| Memoranda: | ||
| Average total assets | $52,274,250 | 6,346 |
| Average earning assets | $50,691,000 | 6,213 |
| Average equity | $6,570,750 | 6,038 |
| Average total loans | $14,509,750 | 6,995 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9111% | 7,359 |
| Cost of funding earning assets | 0.8043% | 5,339 |
| Net interest margin | 2.1068% | 7,341 |
| Noninterest income to average assets | 0.1753% | 6,405 |
| Noninterest expense to average assets | 1.5054% | 7,301 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7165% | 3,464 |
| Return on assets (ROA) | 0.7165% | 3,574 |
| Pretax return on assets | 0.7165% | 4,330 |
| Return on Equity (ROE) | 5.7554% | 4,086 |
| Retained earnings to average equity (ytd only) | 1.7756% | 5,106 |
| Net charge-offs to loans | -0.0835% | 7,122 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7530% | 4,562 |
| Assets per employee ($millions) | 5.7319% | 1,359 |
| Cash dividends to net income (ytd only)* | 69.1489% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7623% | 6,935 |
| Loan loss allowance to noncurrent loans | 1,833.3333% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 7,093 |
| Noncurrent loans to loans | 0.0416% | 6,878 |
| Net loans and leases to total assets | 27.7589% | 7,247 |
| Net loans and leases to deposits | 31.9073% | 7,272 |
| Net loans and leases to core deposits | 32.5973% | 7,289 |
| Total domestic deposits to total assets | 86.9987% | 2,736 |
| Equity capital to assets | 12.9316% | 1,552 |
| Core capital (leverage) ratio | 11.6869% | 1,789 |
| Tier 1 risk-based capital ratio | 30.4528% | 513 |
| Total risk-based capital ratio | 32.4790% | 475 |
| Memoranda: | ||
| Average total assets | $52,477,670 | 6,391 |
| Average earning assets | $50,977,000 | 6,258 |
| Average equity | $6,533,000 | 6,072 |
| Average total loans | $14,373,000 | 7,069 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9121% | 7,414 |
| Cost of funding earning assets | 0.8309% | 5,388 |
| Net interest margin | 2.0811% | 7,393 |
| Noninterest income to average assets | 0.1814% | 6,421 |
| Noninterest expense to average assets | 1.4890% | 7,368 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7180% | 3,437 |
| Return on assets (ROA) | 0.7180% | 3,500 |
| Pretax return on assets | 0.7180% | 4,228 |
| Return on Equity (ROE) | 5.8787% | 3,974 |
| Retained earnings to average equity (ytd only) | 1.8564% | 5,004 |
| Net charge-offs to loans | -0.0837% | 7,035 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4658% | 4,761 |
| Assets per employee ($millions) | 5.7987% | 1,341 |
| Cash dividends to net income (ytd only)* | 68.4211% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7626% | 6,986 |
| Loan loss allowance to noncurrent loans | 396.2963% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 7,034 |
| Noncurrent loans to loans | 0.1924% | 6,584 |
| Net loans and leases to total assets | 26.6805% | 7,329 |
| Net loans and leases to deposits | 30.4930% | 7,350 |
| Net loans and leases to core deposits | 31.3512% | 7,365 |
| Total domestic deposits to total assets | 87.4971% | 2,660 |
| Equity capital to assets | 12.4166% | 1,672 |
| Core capital (leverage) ratio | 11.3284% | 1,940 |
| Tier 1 risk-based capital ratio | 30.6506% | 490 |
| Total risk-based capital ratio | 32.5666% | 452 |
| Memoranda: | ||
| Average total assets | $52,923,000 | 6,414 |
| Average earning assets | $51,510,000 | 6,289 |
| Average equity | $6,464,000 | 6,105 |
| Average total loans | $14,344,500 | 7,126 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3818% | 7,417 |
| Cost of funding earning assets | 1.0000% | 5,692 |
| Net interest margin | 2.3818% | 7,329 |
| Noninterest income to average assets | 0.2230% | 6,208 |
| Noninterest expense to average assets | 1.6849% | 7,357 |
| Loan and lease loss provision to assets | 0.0019% | 7,035 |
| Net operating income to assets | 0.8589% | 2,556 |
| Return on assets (ROA) | 0.8570% | 2,699 |
| Pretax return on assets | 0.8570% | 3,450 |
| Return on Equity (ROE) | 6.7514% | 3,235 |
| Retained earnings to average equity (ytd only) | 0.7943% | 5,155 |
| Net charge-offs to loans | 0.0069% | 6,773 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 444.0000% | 52 |
| Efficiency ratio | 66.1843% | 4,936 |
| Assets per employee ($millions) | 5.9620% | 1,238 |
| Cash dividends to net income (ytd only)* | 88.2353% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7095% | 7,124 |
| Loan loss allowance to noncurrent loans | 5,200.0000% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 7,264 |
| Noncurrent loans to loans | 0.0136% | 7,122 |
| Net loans and leases to total assets | 27.1236% | 7,426 |
| Net loans and leases to deposits | 30.8583% | 7,449 |
| Net loans and leases to core deposits | 31.6984% | 7,453 |
| Total domestic deposits to total assets | 87.8974% | 2,310 |
| Equity capital to assets | 12.0168% | 1,904 |
| Core capital (leverage) ratio | 11.6129% | 1,774 |
| Tier 1 risk-based capital ratio | 29.4280% | 531 |
| Total risk-based capital ratio | 31.2719% | 498 |
| Memoranda: | ||
| Average total assets | $51,575,600 | 6,479 |
| Average earning assets | $50,298,000 | 6,356 |
| Average equity | $6,546,800 | 6,187 |
| Average total loans | $14,537,000 | 7,186 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4736% | 7,538 |
| Cost of funding earning assets | 1.0426% | 5,729 |
| Net interest margin | 2.4310% | 7,417 |
| Noninterest income to average assets | 0.2167% | 6,353 |
| Noninterest expense to average assets | 1.5904% | 7,509 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9950% | 2,248 |
| Return on assets (ROA) | 0.9924% | 2,376 |
| Pretax return on assets | 0.9924% | 3,209 |
| Return on Equity (ROE) | 7.7098% | 3,019 |
| Retained earnings to average equity (ytd only) | 3.7535% | 3,821 |
| Net charge-offs to loans | -0.0919% | 7,542 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5152% | 5,696 |
| Assets per employee ($millions) | 5.6948% | 1,471 |
| Cash dividends to net income (ytd only)* | 51.3155% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7669% | 7,065 |
| Loan loss allowance to noncurrent loans | 144.3038% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 6,972 |
| Noncurrent loans to loans | 0.5314% | 6,141 |
| Net loans and leases to total assets | 28.7808% | 7,492 |
| Net loans and leases to deposits | 33.1438% | 7,532 |
| Net loans and leases to core deposits | 34.1016% | 7,532 |
| Total domestic deposits to total assets | 86.8359% | 2,625 |
| Equity capital to assets | 13.0744% | 1,535 |
| Core capital (leverage) ratio | 12.0670% | 1,636 |
| Tier 1 risk-based capital ratio | 30.5507% | 490 |
| Total risk-based capital ratio | 32.4682% | 454 |
| Memoranda: | ||
| Average total assets | $51,055,000 | 6,571 |
| Average earning assets | $49,745,000 | 6,446 |
| Average equity | $6,571,500 | 6,251 |
| Average total loans | $14,506,750 | 7,281 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4790% | 7,614 |
| Cost of funding earning assets | 1.0872% | 5,748 |
| Net interest margin | 2.3918% | 7,483 |
| Noninterest income to average assets | 0.2275% | 6,288 |
| Noninterest expense to average assets | 1.5415% | 7,598 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0159% | 2,139 |
| Return on assets (ROA) | 1.0120% | 2,222 |
| Pretax return on assets | 1.0120% | 3,071 |
| Return on Equity (ROE) | 7.9040% | 2,919 |
| Retained earnings to average equity (ytd only) | 3.9214% | 3,593 |
| Net charge-offs to loans | -0.1112% | 7,569 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2761% | 6,000 |
| Assets per employee ($millions) | 5.6537% | 1,487 |
| Cash dividends to net income (ytd only)* | 50.3876% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7556% | 7,132 |
| Loan loss allowance to noncurrent loans | 2,240.0000% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 7,390 |
| Noncurrent loans to loans | 0.0337% | 7,237 |
| Net loans and leases to total assets | 28.9095% | 7,560 |
| Net loans and leases to deposits | 33.2610% | 7,592 |
| Net loans and leases to core deposits | 33.9519% | 7,602 |
| Total domestic deposits to total assets | 86.9170% | 2,573 |
| Equity capital to assets | 12.9650% | 1,587 |
| Core capital (leverage) ratio | 11.9202% | 1,689 |
| Tier 1 risk-based capital ratio | 30.6134% | 473 |
| Total risk-based capital ratio | 32.4363% | 443 |
| Memoranda: | ||
| Average total assets | $50,989,000 | 6,614 |
| Average earning assets | $49,670,000 | 6,486 |
| Average equity | $6,528,330 | 6,289 |
| Average total loans | $14,387,330 | 7,340 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4537% | 7,720 |
| Cost of funding earning assets | 1.1325% | 5,750 |
| Net interest margin | 2.3212% | 7,584 |
| Noninterest income to average assets | 0.2194% | 6,393 |
| Noninterest expense to average assets | 1.5046% | 7,709 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9796% | 2,258 |
| Return on assets (ROA) | 0.9717% | 2,360 |
| Pretax return on assets | 0.9717% | 3,199 |
| Return on Equity (ROE) | 7.6378% | 3,053 |
| Retained earnings to average equity (ytd only) | 3.6341% | 3,975 |
| Net charge-offs to loans | -0.0847% | 7,488 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5678% | 6,072 |
| Assets per employee ($millions) | 5.6736% | 1,516 |
| Cash dividends to net income (ytd only)* | 52.4194% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7466% | 7,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 27.8563% | 7,675 |
| Net loans and leases to deposits | 31.9885% | 7,695 |
| Net loans and leases to core deposits | 32.6493% | 7,708 |
| Total domestic deposits to total assets | 87.0824% | 2,589 |
| Equity capital to assets | 12.8021% | 1,600 |
| Core capital (leverage) ratio | 11.7903% | 1,756 |
| Tier 1 risk-based capital ratio | 30.7518% | 490 |
| Total risk-based capital ratio | 32.6402% | 450 |
| Memoranda: | ||
| Average total assets | $51,042,000 | 6,699 |
| Average earning assets | $49,802,000 | 6,556 |
| Average equity | $6,494,000 | 6,348 |
| Average total loans | $14,170,000 | 7,442 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1929% | 7,608 |
| Cost of funding earning assets | 1.4671% | 5,654 |
| Net interest margin | 2.7258% | 7,174 |
| Noninterest income to average assets | 0.1811% | 6,792 |
| Noninterest expense to average assets | 1.7016% | 7,702 |
| Loan and lease loss provision to assets | 0.0173% | 7,329 |
| Net operating income to assets | 1.0541% | 1,650 |
| Return on assets (ROA) | 1.0541% | 1,692 |
| Pretax return on assets | 1.0579% | 2,384 |
| Return on Equity (ROE) | 8.4575% | 2,213 |
| Retained earnings to average equity (ytd only) | 1.6544% | 3,924 |
| Net charge-offs to loans | 0.0437% | 6,668 |
| Credit loss provision to net charge-offs | 150.0000% | 3,093 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 300 |
| Efficiency ratio | 61.2769% | 6,279 |
| Assets per employee ($millions) | 6.3778% | 1,038 |
| Cash dividends to net income (ytd only)* | 80.4388% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7424% | 7,281 |
| 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 | 27.2529% | 7,764 |
| Net loans and leases to deposits | 31.2416% | 7,795 |
| Net loans and leases to core deposits | 36.8755% | 7,802 |
| Total domestic deposits to total assets | 87.2330% | 2,372 |
| Equity capital to assets | 12.6436% | 1,674 |
| Core capital (leverage) ratio | 11.8549% | 1,733 |
| Tier 1 risk-based capital ratio | 30.8694% | 483 |
| Total risk-based capital ratio | 32.6637% | 460 |
| Memoranda: | ||
| Average total assets | $51,893,200 | 6,641 |
| Average earning assets | $49,416,800 | 6,549 |
| Average equity | $6,467,600 | 6,438 |
| Average total loans | $13,744,200 | 7,508 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 7,647 |
| Cost of funding earning assets | 1.5328% | 5,702 |
| Net interest margin | 2.8087% | 7,043 |
| Noninterest income to average assets | 0.1817% | 6,926 |
| Noninterest expense to average assets | 1.5940% | 7,838 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2409% | 1,371 |
| Return on assets (ROA) | 1.2409% | 1,436 |
| Pretax return on assets | 1.2460% | 2,119 |
| Return on Equity (ROE) | 9.9919% | 1,915 |
| Retained earnings to average equity (ytd only) | 4.9444% | 2,519 |
| Net charge-offs to loans | -0.0877% | 7,911 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1261% | 6,984 |
| Assets per employee ($millions) | 5.5861% | 1,529 |
| Cash dividends to net income (ytd only)* | 50.5157% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7918% | 7,149 |
| Loan loss allowance to noncurrent loans | 118.2796% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 7,067 |
| Noncurrent loans to loans | 0.6695% | 5,964 |
| Net loans and leases to total assets | 27.4132% | 7,855 |
| Net loans and leases to deposits | 31.5840% | 7,887 |
| Net loans and leases to core deposits | 37.8668% | 7,877 |
| Total domestic deposits to total assets | 86.7946% | 2,287 |
| Equity capital to assets | 13.0701% | 1,670 |
| Core capital (leverage) ratio | 11.9922% | 1,803 |
| Tier 1 risk-based capital ratio | 31.0215% | 514 |
| Total risk-based capital ratio | 32.7541% | 479 |
| Memoranda: | ||
| Average total assets | $52,111,000 | 6,678 |
| Average earning assets | $49,321,500 | 6,601 |
| Average equity | $6,471,750 | 6,495 |
| Average total loans | $13,678,000 | 7,588 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4320% | 7,689 |
| Cost of funding earning assets | 1.5860% | 5,787 |
| Net interest margin | 2.8460% | 6,920 |
| Noninterest income to average assets | 0.1669% | 7,086 |
| Noninterest expense to average assets | 1.4794% | 7,979 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3618% | 1,098 |
| Return on assets (ROA) | 1.3618% | 1,167 |
| Pretax return on assets | 1.3694% | 1,809 |
| Return on Equity (ROE) | 11.1514% | 1,661 |
| Retained earnings to average equity (ytd only) | 7.1133% | 1,541 |
| Net charge-offs to loans | -0.0882% | 7,931 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9308% | 7,520 |
| Assets per employee ($millions) | 5.6834% | 1,425 |
| Cash dividends to net income (ytd only)* | 36.2117% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7838% | 7,204 |
| Loan loss allowance to noncurrent loans | 118.8889% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 7,106 |
| Noncurrent loans to loans | 0.6592% | 5,936 |
| Net loans and leases to total assets | 26.4804% | 7,958 |
| Net loans and leases to deposits | 30.4225% | 7,986 |
| Net loans and leases to core deposits | 36.3059% | 7,975 |
| Total domestic deposits to total assets | 87.0423% | 2,236 |
| Equity capital to assets | 12.7954% | 1,792 |
| Core capital (leverage) ratio | 11.7011% | 1,979 |
| Tier 1 risk-based capital ratio | 30.8476% | 549 |
| Total risk-based capital ratio | 32.4814% | 517 |
| Memoranda: | ||
| Average total assets | $52,723,000 | 6,712 |
| Average earning assets | $49,684,330 | 6,641 |
| Average equity | $6,438,670 | 6,555 |
| Average total loans | $13,606,670 | 7,673 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5303% | 7,684 |
| Cost of funding earning assets | 1.6820% | 5,679 |
| Net interest margin | 2.8483% | 6,881 |
| Noninterest income to average assets | 0.1645% | 7,129 |
| Noninterest expense to average assets | 1.4054% | 8,041 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4278% | 1,082 |
| Return on assets (ROA) | 1.4278% | 1,167 |
| Pretax return on assets | 1.4427% | 1,837 |
| Return on Equity (ROE) | 11.9646% | 1,670 |
| Retained earnings to average equity (ytd only) | 7.8929% | 1,853 |
| Net charge-offs to loans | -0.1178% | 7,920 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3438% | 7,639 |
| Assets per employee ($millions) | 5.8927% | 1,261 |
| Cash dividends to net income (ytd only)* | 34.0314% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7606% | 7,284 |
| Loan loss allowance to noncurrent loans | 126.5060% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 7,088 |
| Noncurrent loans to loans | 0.6013% | 5,889 |
| Net loans and leases to total assets | 25.8306% | 8,005 |
| Net loans and leases to deposits | 29.4494% | 8,047 |
| Net loans and leases to core deposits | 35.1518% | 8,035 |
| Total domestic deposits to total assets | 87.7117% | 1,881 |
| Equity capital to assets | 12.1262% | 2,181 |
| Core capital (leverage) ratio | 11.0291% | 2,477 |
| Tier 1 risk-based capital ratio | 29.7159% | 634 |
| Total risk-based capital ratio | 31.2569% | 609 |
| Memoranda: | ||
| Average total assets | $53,509,000 | 6,726 |
| Average earning assets | $50,416,000 | 6,642 |
| Average equity | $6,385,500 | 6,623 |
| Average total loans | $13,584,000 | 7,720 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0265% | 7,818 |
| Cost of funding earning assets | 2.1916% | 5,636 |
| Net interest margin | 2.8349% | 7,277 |
| Noninterest income to average assets | 0.1877% | 7,103 |
| Noninterest expense to average assets | 1.5649% | 7,994 |
| Loan and lease loss provision to assets | 0.0178% | 7,163 |
| Net operating income to assets | 1.3219% | 1,423 |
| Return on assets (ROA) | 1.3219% | 1,373 |
| Pretax return on assets | 1.3219% | 2,235 |
| Return on Equity (ROE) | 10.6160% | 2,042 |
| Retained earnings to average equity (ytd only) | 4.3480% | 2,411 |
| Net charge-offs to loans | 0.0680% | 5,795 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 75.3333% | 542 |
| Efficiency ratio | 53.8776% | 7,274 |
| Assets per employee ($millions) | 5.3984% | 1,539 |
| Cash dividends to net income (ytd only)* | 59.0433% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7558% | 7,262 |
| Loan loss allowance to noncurrent loans | 121.6867% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 6,952 |
| Noncurrent loans to loans | 0.6211% | 5,506 |
| Net loans and leases to total assets | 24.5684% | 8,098 |
| Net loans and leases to deposits | 27.8969% | 8,138 |
| Net loans and leases to core deposits | 37.0392% | 8,094 |
| Total domestic deposits to total assets | 88.0687% | 1,443 |
| Equity capital to assets | 11.7442% | 2,472 |
| Core capital (leverage) ratio | 11.1307% | 2,487 |
| Tier 1 risk-based capital ratio | 29.2243% | 684 |
| Total risk-based capital ratio | 30.7979% | 646 |
| Memoranda: | ||
| Average total assets | $50,609,400 | 6,751 |
| Average earning assets | $48,502,800 | 6,654 |
| Average equity | $6,301,800 | 6,702 |
| Average total loans | $13,226,600 | 7,759 |