Home > First State Bank of Golva > Performance and Condition Ratios
First State Bank of Golva, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9804% | 2,109 |
| Cost of funding earning assets | 0.5675% | 4,119 |
| Net interest margin | 4.4129% | 698 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 1.6312% | 4,218 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 2.6535% | 216 |
| Return on assets (ROA) | 2.2943% | 294 |
| Pretax return on assets | 2.2943% | 437 |
| Return on Equity (ROE) | 61.4100% | 36 |
| Retained earnings to average equity (ytd only) | 31.3673% | 46 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 37.5619% | 4,407 |
| Assets per employee ($millions) | 12.0508% | 408 |
| Cash dividends to net income (ytd only)* | 48.9197% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 3,460 |
| Loan loss allowance to noncurrent loans | 29.0368% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.3019% | 319 |
| Noncurrent loans to loans | 3.3404% | 125 |
| Net loans and leases to total assets | 38.6000% | 4,080 |
| Net loans and leases to deposits | 40.8092% | 4,180 |
| Net loans and leases to core deposits | 42.2679% | 4,247 |
| Total domestic deposits to total assets | 94.5800% | 77 |
| Equity capital to assets | 5.1477% | 4,389 |
| Core capital (leverage) ratio | 9.7481% | 3,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3191% | 753 |
| Memoranda: | ||
| Average total assets | $106,916,800 | 3,765 |
| Average earning assets | $103,083,200 | 3,712 |
| Average equity | $3,994,600 | 4,357 |
| Average total loans | $41,036,600 | 3,980 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9386% | 1,976 |
| Cost of funding earning assets | 0.5356% | 4,083 |
| Net interest margin | 4.4029% | 699 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 1.6195% | 4,219 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 2.6445% | 233 |
| Return on assets (ROA) | 2.4768% | 267 |
| Pretax return on assets | 2.4768% | 386 |
| Return on Equity (ROE) | 73.3500% | 34 |
| Retained earnings to average equity (ytd only) | 28.8712% | 99 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 37.3018% | 4,421 |
| Assets per employee ($millions) | 11.5467% | 427 |
| Cash dividends to net income (ytd only)* | 60.6367% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 3,623 |
| Loan loss allowance to noncurrent loans | 23.6584% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.6676% | 204 |
| Noncurrent loans to loans | 3.9386% | 78 |
| Net loans and leases to total assets | 41.9500% | 3,991 |
| Net loans and leases to deposits | 43.2818% | 4,124 |
| Net loans and leases to core deposits | 44.2628% | 4,167 |
| Total domestic deposits to total assets | 96.9100% | 53 |
| Equity capital to assets | 2.7069% | 4,509 |
| Core capital (leverage) ratio | 9.2522% | 3,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1563% | 929 |
| Memoranda: | ||
| Average total assets | $106,531,750 | 3,785 |
| Average earning assets | $103,050,250 | 3,727 |
| Average equity | $3,597,500 | 4,401 |
| Average total loans | $40,728,250 | 3,992 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7507% | 2,102 |
| Cost of funding earning assets | 0.4900% | 4,001 |
| Net interest margin | 4.2607% | 850 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 1.5326% | 4,305 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.6890% | 200 |
| Return on assets (ROA) | 2.4394% | 255 |
| Pretax return on assets | 2.4394% | 384 |
| Return on Equity (ROE) | 67.8900% | 36 |
| Retained earnings to average equity (ytd only) | 21.2490% | 210 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 36.3035% | 4,467 |
| Assets per employee ($millions) | 11.7189% | 408 |
| Cash dividends to net income (ytd only)* | 68.7023% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8108% | 3,994 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 40.3600% | 4,025 |
| Net loans and leases to deposits | 42.1061% | 4,155 |
| Net loans and leases to core deposits | 43.0763% | 4,194 |
| Total domestic deposits to total assets | 95.8600% | 61 |
| Equity capital to assets | 3.8324% | 4,516 |
| Core capital (leverage) ratio | 9.0453% | 3,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6772% | 1,007 |
| Memoranda: | ||
| Average total assets | $107,402,333 | 3,793 |
| Average earning assets | $104,490,000 | 3,733 |
| Average equity | $3,859,000 | 4,403 |
| Average total loans | $39,637,667 | 4,021 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6868% | 1,883 |
| Cost of funding earning assets | 0.4082% | 3,947 |
| Net interest margin | 4.2786% | 842 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 1.5002% | 4,388 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.7455% | 197 |
| Return on assets (ROA) | 2.4610% | 252 |
| Pretax return on assets | 2.4610% | 376 |
| Return on Equity (ROE) | 70.7100% | 40 |
| Retained earnings to average equity (ytd only) | 38.8587% | 67 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 35.3351% | 4,552 |
| Assets per employee ($millions) | 12.0770% | 388 |
| Cash dividends to net income (ytd only)* | 45.0450% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 1,193 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 34.7600% | 4,234 |
| Net loans and leases to deposits | 36.2260% | 4,325 |
| Net loans and leases to core deposits | 37.0462% | 4,343 |
| Total domestic deposits to total assets | 95.9500% | 53 |
| Equity capital to assets | 4.0104% | 4,544 |
| Core capital (leverage) ratio | 8.6205% | 4,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3296% | 941 |
| Memoranda: | ||
| Average total assets | $108,250,500 | 3,833 |
| Average earning assets | $105,830,000 | 3,763 |
| Average equity | $3,767,500 | 4,474 |
| Average total loans | $37,997,000 | 4,105 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5061% | 3,060 |
| Cost of funding earning assets | 0.0951% | 4,413 |
| Net interest margin | 3.4110% | 2,218 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 1.5323% | 4,393 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7165% | 525 |
| Return on assets (ROA) | 1.4678% | 922 |
| Pretax return on assets | 1.4678% | 1,544 |
| Return on Equity (ROE) | 35.5000% | 73 |
| Retained earnings to average equity (ytd only) | 8.3654% | 1,692 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.1655% | 4,291 |
| Assets per employee ($millions) | 10.7808% | 533 |
| Cash dividends to net income (ytd only)* | 76.4331% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 1,070 |
| Loan loss allowance to noncurrent loans | 1,825.0000% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,517 |
| Noncurrent loans to loans | 0.0850% | 3,148 |
| Net loans and leases to total assets | 34.3600% | 4,274 |
| Net loans and leases to deposits | 35.4134% | 4,357 |
| Net loans and leases to core deposits | 36.2116% | 4,371 |
| Total domestic deposits to total assets | 97.0400% | 49 |
| Equity capital to assets | 2.9460% | 4,611 |
| Core capital (leverage) ratio | 8.4663% | 4,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0876% | 1,114 |
| Memoranda: | ||
| Average total assets | $106,963,800 | 3,865 |
| Average earning assets | $98,855,600 | 3,850 |
| Average equity | $4,423,000 | 4,491 |
| Average total loans | $37,629,000 | 4,107 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2539% | 3,301 |
| Cost of funding earning assets | 0.0686% | 4,484 |
| Net interest margin | 3.1853% | 2,672 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.4238% | 4,495 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5674% | 710 |
| Return on assets (ROA) | 1.5699% | 684 |
| Pretax return on assets | 1.5699% | 1,207 |
| Return on Equity (ROE) | 35.4000% | 63 |
| Retained earnings to average equity (ytd only) | 1.6051% | 4,118 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.5992% | 4,297 |
| Assets per employee ($millions) | 10.4686% | 569 |
| Cash dividends to net income (ytd only)* | 95.4654% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5573% | 1,156 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 35.2600% | 4,260 |
| Net loans and leases to deposits | 35.7395% | 4,372 |
| Net loans and leases to core deposits | 36.5599% | 4,386 |
| Total domestic deposits to total assets | 98.6700% | 37 |
| Equity capital to assets | 1.2284% | 4,687 |
| Core capital (leverage) ratio | 8.1183% | 4,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6632% | 1,827 |
| Memoranda: | ||
| Average total assets | $106,752,750 | 3,888 |
| Average earning assets | $97,192,750 | 3,890 |
| Average equity | $4,734,750 | 4,499 |
| Average total loans | $37,628,500 | 4,132 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9973% | 3,566 |
| Cost of funding earning assets | 0.0684% | 4,470 |
| Net interest margin | 2.9289% | 3,093 |
| Noninterest income to average assets | 0.0838% | 4,546 |
| Noninterest expense to average assets | 1.4073% | 4,520 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3086% | 1,115 |
| Return on assets (ROA) | 1.3123% | 1,086 |
| Pretax return on assets | 1.3123% | 1,700 |
| Return on Equity (ROE) | 23.9619% | 140 |
| Retained earnings to average equity (ytd only) | -6.6278% | 4,582 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8163% | 4,142 |
| Assets per employee ($millions) | 10.6457% | 546 |
| Cash dividends to net income (ytd only)* | 127.6596% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5794% | 1,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 34.1847% | 4,327 |
| Net loans and leases to deposits | 35.2557% | 4,418 |
| Net loans and leases to core deposits | 36.0753% | 4,433 |
| Total domestic deposits to total assets | 96.9622% | 52 |
| Equity capital to assets | 2.9665% | 4,690 |
| Core capital (leverage) ratio | 7.9210% | 4,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4959% | 1,866 |
| Memoranda: | ||
| Average total assets | $107,441,667 | 3,920 |
| Average earning assets | $96,555,000 | 3,948 |
| Average equity | $5,884,333 | 4,428 |
| Average total loans | $37,671,333 | 4,183 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9223% | 3,475 |
| Cost of funding earning assets | 0.0719% | 4,431 |
| Net interest margin | 2.8505% | 2,988 |
| Noninterest income to average assets | 0.0852% | 4,555 |
| Noninterest expense to average assets | 1.2971% | 4,621 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2860% | 1,030 |
| Return on assets (ROA) | 1.2897% | 1,014 |
| Pretax return on assets | 1.2897% | 1,536 |
| Return on Equity (ROE) | 19.2066% | 265 |
| Retained earnings to average equity (ytd only) | 2.6492% | 3,378 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2152% | 4,305 |
| Assets per employee ($millions) | 10.5782% | 579 |
| Cash dividends to net income (ytd only)* | 86.2069% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 1,336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 34.5059% | 4,288 |
| Net loans and leases to deposits | 36.4129% | 4,370 |
| Net loans and leases to core deposits | 37.2843% | 4,394 |
| Total domestic deposits to total assets | 94.7628% | 56 |
| Equity capital to assets | 5.1918% | 4,704 |
| Core capital (leverage) ratio | 7.7917% | 4,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7632% | 1,569 |
| Memoranda: | ||
| Average total assets | $107,934,000 | 3,935 |
| Average earning assets | $94,581,500 | 3,977 |
| Average equity | $7,247,500 | 4,338 |
| Average total loans | $38,019,000 | 4,190 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5442% | 2,528 |
| Cost of funding earning assets | 0.0939% | 4,432 |
| Net interest margin | 3.4503% | 1,879 |
| Noninterest income to average assets | 0.1560% | 4,372 |
| Noninterest expense to average assets | 1.6463% | 4,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6135% | 771 |
| Return on assets (ROA) | 1.6145% | 806 |
| Pretax return on assets | 1.6145% | 1,385 |
| Return on Equity (ROE) | 18.0817% | 458 |
| Retained earnings to average equity (ytd only) | 4.7291% | 2,903 |
| Net charge-offs to loans | 0.0100% | 2,185 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 406.0000% | 324 |
| Efficiency ratio | 50.5029% | 4,245 |
| Assets per employee ($millions) | 11.0086% | 506 |
| Cash dividends to net income (ytd only)* | 73.8462% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 1,558 |
| Loan loss allowance to noncurrent loans | 7,300.0000% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 4,090 |
| Noncurrent loans to loans | 0.0205% | 3,921 |
| Net loans and leases to total assets | 34.8537% | 4,339 |
| Net loans and leases to deposits | 37.9654% | 4,403 |
| Net loans and leases to core deposits | 38.8653% | 4,427 |
| Total domestic deposits to total assets | 91.8037% | 235 |
| Equity capital to assets | 8.1782% | 4,250 |
| Core capital (leverage) ratio | 7.9216% | 4,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3198% | 1,190 |
| Memoranda: | ||
| Average total assets | $100,652,600 | 3,983 |
| Average earning assets | $90,542,400 | 4,012 |
| Average equity | $8,987,000 | 4,246 |
| Average total loans | $40,153,200 | 4,183 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7420% | 2,169 |
| Cost of funding earning assets | 0.1012% | 4,492 |
| Net interest margin | 3.6408% | 1,491 |
| Noninterest income to average assets | 0.1668% | 4,366 |
| Noninterest expense to average assets | 1.5992% | 4,465 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8854% | 576 |
| Return on assets (ROA) | 1.8854% | 597 |
| Pretax return on assets | 1.8854% | 974 |
| Return on Equity (ROE) | 20.6310% | 383 |
| Retained earnings to average equity (ytd only) | 2.8201% | 3,957 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8933% | 4,510 |
| Assets per employee ($millions) | 10.6716% | 530 |
| Cash dividends to net income (ytd only)* | 86.3309% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 1,687 |
| Loan loss allowance to noncurrent loans | 14,700.0000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 4,238 |
| Noncurrent loans to loans | 0.0101% | 4,136 |
| Net loans and leases to total assets | 36.5147% | 4,363 |
| Net loans and leases to deposits | 39.9019% | 4,449 |
| Net loans and leases to core deposits | 40.8802% | 4,487 |
| Total domestic deposits to total assets | 91.5111% | 234 |
| Equity capital to assets | 8.3952% | 4,278 |
| Core capital (leverage) ratio | 8.1751% | 4,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2485% | 2,277 |
| Memoranda: | ||
| Average total assets | $98,294,250 | 4,052 |
| Average earning assets | $89,575,000 | 4,075 |
| Average equity | $8,983,000 | 4,304 |
| Average total loans | $40,453,250 | 4,235 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0616% | 1,426 |
| Cost of funding earning assets | 0.1044% | 4,548 |
| Net interest margin | 3.9571% | 875 |
| Noninterest income to average assets | 0.2053% | 4,177 |
| Noninterest expense to average assets | 1.6651% | 4,414 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1909% | 345 |
| Return on assets (ROA) | 2.1909% | 366 |
| Pretax return on assets | 2.1909% | 585 |
| Return on Equity (ROE) | 23.2677% | 248 |
| Retained earnings to average equity (ytd only) | 3.2477% | 3,764 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1831% | 4,653 |
| Assets per employee ($millions) | 9.9123% | 629 |
| Cash dividends to net income (ytd only)* | 86.0421% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 2,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 42.4362% | 4,152 |
| Net loans and leases to deposits | 46.7051% | 4,280 |
| Net loans and leases to core deposits | 47.9641% | 4,328 |
| Total domestic deposits to total assets | 90.8598% | 414 |
| Equity capital to assets | 9.0625% | 3,748 |
| Core capital (leverage) ratio | 8.6131% | 3,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4571% | 1,816 |
| Memoranda: | ||
| Average total assets | $95,487,000 | 4,113 |
| Average earning assets | $88,094,000 | 4,111 |
| Average equity | $8,991,000 | 4,325 |
| Average total loans | $40,752,667 | 4,263 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 793 |
| Cost of funding earning assets | 0.1172% | 4,538 |
| Net interest margin | 4.3702% | 452 |
| Noninterest income to average assets | 0.0769% | 4,777 |
| Noninterest expense to average assets | 1.5074% | 4,642 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.5494% | 246 |
| Return on assets (ROA) | 2.5494% | 268 |
| Pretax return on assets | 2.5494% | 398 |
| Return on Equity (ROE) | 26.5481% | 217 |
| Retained earnings to average equity (ytd only) | 13.2073% | 875 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1579% | 4,829 |
| Assets per employee ($millions) | 8.6315% | 938 |
| Cash dividends to net income (ytd only)* | 50.2513% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 1,719 |
| 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 | 41.6553% | 4,255 |
| Net loans and leases to deposits | 45.8886% | 4,360 |
| Net loans and leases to core deposits | 47.1816% | 4,400 |
| Total domestic deposits to total assets | 90.7748% | 483 |
| Equity capital to assets | 9.1757% | 3,512 |
| Core capital (leverage) ratio | 9.0257% | 3,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6877% | 1,676 |
| Memoranda: | ||
| Average total assets | $93,669,000 | 4,145 |
| Average earning assets | $85,305,000 | 4,150 |
| Average equity | $8,995,000 | 4,335 |
| Average total loans | $39,803,000 | 4,307 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5933% | 3,827 |
| Cost of funding earning assets | 0.2092% | 4,553 |
| Net interest margin | 3.3841% | 2,819 |
| Noninterest income to average assets | 0.1249% | 4,650 |
| Noninterest expense to average assets | 1.7169% | 4,600 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.4858% | 843 |
| Return on assets (ROA) | 1.4869% | 910 |
| Pretax return on assets | 1.4869% | 1,373 |
| Return on Equity (ROE) | 14.4546% | 723 |
| Retained earnings to average equity (ytd only) | 1.9742% | 3,832 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6079% | 4,251 |
| Assets per employee ($millions) | 9.2392% | 682 |
| Cash dividends to net income (ytd only)* | 86.3422% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 1,625 |
| Loan loss allowance to noncurrent loans | 8,400.0000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 4,408 |
| Noncurrent loans to loans | 0.0177% | 4,280 |
| Net loans and leases to total assets | 42.0816% | 4,345 |
| Net loans and leases to deposits | 46.8039% | 4,438 |
| Net loans and leases to core deposits | 47.9308% | 4,488 |
| Total domestic deposits to total assets | 89.9104% | 603 |
| Equity capital to assets | 10.0420% | 3,094 |
| Core capital (leverage) ratio | 8.9145% | 3,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7295% | 1,331 |
| Memoranda: | ||
| Average total assets | $85,678,800 | 4,178 |
| Average earning assets | $77,923,200 | 4,188 |
| Average equity | $8,813,800 | 4,337 |
| Average total loans | $39,185,400 | 4,322 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7160% | 3,767 |
| Cost of funding earning assets | 0.2326% | 4,561 |
| Net interest margin | 3.4835% | 2,646 |
| Noninterest income to average assets | 0.1175% | 4,691 |
| Noninterest expense to average assets | 1.7158% | 4,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.5634% | 789 |
| Return on assets (ROA) | 1.5650% | 860 |
| Pretax return on assets | 1.5650% | 1,282 |
| Return on Equity (ROE) | 15.1146% | 673 |
| Retained earnings to average equity (ytd only) | -1.7475% | 4,684 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3233% | 4,311 |
| Assets per employee ($millions) | 8.9173% | 709 |
| Cash dividends to net income (ytd only)* | 111.5619% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 1,525 |
| Loan loss allowance to noncurrent loans | 8,400.0000% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 4,475 |
| Noncurrent loans to loans | 0.0173% | 4,358 |
| Net loans and leases to total assets | 44.7355% | 4,386 |
| Net loans and leases to deposits | 49.7406% | 4,494 |
| Net loans and leases to core deposits | 50.9808% | 4,551 |
| Total domestic deposits to total assets | 89.9375% | 449 |
| Equity capital to assets | 9.9582% | 3,263 |
| Core capital (leverage) ratio | 8.8655% | 3,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1591% | 1,461 |
| Memoranda: | ||
| Average total assets | $84,000,500 | 4,200 |
| Average earning assets | $76,244,250 | 4,218 |
| Average equity | $8,697,750 | 4,365 |
| Average total loans | $39,114,750 | 4,352 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8577% | 3,726 |
| Cost of funding earning assets | 0.2611% | 4,593 |
| Net interest margin | 3.5966% | 2,496 |
| Noninterest income to average assets | 0.1191% | 4,703 |
| Noninterest expense to average assets | 1.7867% | 4,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6141% | 743 |
| Return on assets (ROA) | 1.6116% | 815 |
| Pretax return on assets | 1.6116% | 1,200 |
| Return on Equity (ROE) | 15.3526% | 654 |
| Retained earnings to average equity (ytd only) | -0.8568% | 4,453 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5375% | 4,322 |
| Assets per employee ($millions) | 8.7271% | 745 |
| Cash dividends to net income (ytd only)* | 105.5807% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 1,448 |
| Loan loss allowance to noncurrent loans | 47.6113% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.4151% | 685 |
| Noncurrent loans to loans | 3.0255% | 316 |
| Net loans and leases to total assets | 46.1001% | 4,363 |
| Net loans and leases to deposits | 51.3950% | 4,466 |
| Net loans and leases to core deposits | 52.7052% | 4,538 |
| Total domestic deposits to total assets | 89.6976% | 494 |
| Equity capital to assets | 10.1844% | 3,037 |
| Core capital (leverage) ratio | 9.5328% | 3,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3338% | 1,405 |
| Memoranda: | ||
| Average total assets | $82,276,333 | 4,228 |
| Average earning assets | $75,071,333 | 4,236 |
| Average equity | $8,637,000 | 4,385 |
| Average total loans | $38,659,667 | 4,371 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 3,777 |
| Cost of funding earning assets | 0.3256% | 4,580 |
| Net interest margin | 3.6774% | 2,409 |
| Noninterest income to average assets | 0.1454% | 4,638 |
| Noninterest expense to average assets | 1.8250% | 4,635 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7749% | 431 |
| Return on assets (ROA) | 1.7699% | 485 |
| Pretax return on assets | 1.7699% | 746 |
| Return on Equity (ROE) | 16.5893% | 376 |
| Retained earnings to average equity (ytd only) | -2.2088% | 4,275 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6964% | 4,624 |
| Assets per employee ($millions) | 8.1425% | 702 |
| Cash dividends to net income (ytd only)* | 113.3144% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 1,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 44.3758% | 4,490 |
| Net loans and leases to deposits | 49.5475% | 4,610 |
| Net loans and leases to core deposits | 50.5484% | 4,663 |
| Total domestic deposits to total assets | 89.5622% | 452 |
| Equity capital to assets | 10.3310% | 3,487 |
| Core capital (leverage) ratio | 10.0148% | 3,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5250% | 1,066 |
| Memoranda: | ||
| Average total assets | $79,779,000 | 4,270 |
| Average earning assets | $74,945,000 | 4,242 |
| Average equity | $8,511,500 | 4,424 |
| Average total loans | $37,579,500 | 4,420 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 2,995 |
| Cost of funding earning assets | 0.3279% | 4,659 |
| Net interest margin | 4.1563% | 1,409 |
| Noninterest income to average assets | 0.1803% | 4,588 |
| Noninterest expense to average assets | 2.0606% | 4,423 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.1079% | 270 |
| Return on assets (ROA) | 2.2192% | 228 |
| Pretax return on assets | 2.2192% | 371 |
| Return on Equity (ROE) | 21.1029% | 159 |
| Retained earnings to average equity (ytd only) | 1.6420% | 4,145 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4323% | 4,764 |
| Assets per employee ($millions) | 7.8133% | 764 |
| Cash dividends to net income (ytd only)* | 92.2190% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 1,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 48.4430% | 4,407 |
| Net loans and leases to deposits | 54.4887% | 4,516 |
| Net loans and leases to core deposits | 55.6372% | 4,600 |
| Total domestic deposits to total assets | 88.9048% | 710 |
| Equity capital to assets | 11.0210% | 2,974 |
| Core capital (leverage) ratio | 10.3584% | 3,119 |
| Tier 1 risk-based capital ratio | 14.3421% | 3,095 |
| Total risk-based capital ratio | 15.3926% | 3,109 |
| Memoranda: | ||
| Average total assets | $78,181,800 | 4,320 |
| Average earning assets | $75,018,400 | 4,270 |
| Average equity | $8,221,600 | 4,483 |
| Average total loans | $37,803,800 | 4,456 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5390% | 2,931 |
| Cost of funding earning assets | 0.3177% | 4,755 |
| Net interest margin | 4.2212% | 1,322 |
| Noninterest income to average assets | 0.1688% | 4,709 |
| Noninterest expense to average assets | 2.0086% | 4,532 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.2150% | 270 |
| Return on assets (ROA) | 2.3633% | 214 |
| Pretax return on assets | 2.3633% | 328 |
| Return on Equity (ROE) | 22.7461% | 137 |
| Retained earnings to average equity (ytd only) | -3.5121% | 5,013 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5575% | 4,877 |
| Assets per employee ($millions) | 7.7533% | 758 |
| Cash dividends to net income (ytd only)* | 115.4404% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4658% | 1,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 50.9809% | 4,374 |
| Net loans and leases to deposits | 57.2938% | 4,499 |
| Net loans and leases to core deposits | 58.5100% | 4,586 |
| Total domestic deposits to total assets | 88.9815% | 616 |
| Equity capital to assets | 10.7490% | 3,332 |
| Core capital (leverage) ratio | 9.8113% | 3,839 |
| Tier 1 risk-based capital ratio | 14.2932% | 3,178 |
| Total risk-based capital ratio | 15.3876% | 3,164 |
| Memoranda: | ||
| Average total assets | $78,194,000 | 4,371 |
| Average earning assets | $75,110,500 | 4,321 |
| Average equity | $8,124,250 | 4,541 |
| Average total loans | $37,645,250 | 4,517 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5066% | 2,996 |
| Cost of funding earning assets | 0.3022% | 4,820 |
| Net interest margin | 4.2044% | 1,355 |
| Noninterest income to average assets | 0.1530% | 4,815 |
| Noninterest expense to average assets | 1.9741% | 4,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.2241% | 251 |
| Return on assets (ROA) | 2.2011% | 282 |
| Pretax return on assets | 2.2011% | 443 |
| Return on Equity (ROE) | 21.4295% | 189 |
| Retained earnings to average equity (ytd only) | -8.3682% | 5,143 |
| Net charge-offs to loans | -0.0054% | 4,147 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0231% | 4,938 |
| Assets per employee ($millions) | 7.8069% | 718 |
| Cash dividends to net income (ytd only)* | 139.0498% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 1,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 47.7501% | 4,579 |
| Net loans and leases to deposits | 53.4298% | 4,703 |
| Net loans and leases to core deposits | 54.7578% | 4,757 |
| Total domestic deposits to total assets | 89.3697% | 512 |
| Equity capital to assets | 10.4497% | 3,561 |
| Core capital (leverage) ratio | 9.7197% | 3,913 |
| Tier 1 risk-based capital ratio | 14.8023% | 2,915 |
| Total risk-based capital ratio | 15.9542% | 2,890 |
| Memoranda: | ||
| Average total assets | $78,414,330 | 4,402 |
| Average earning assets | $75,444,670 | 4,343 |
| Average equity | $8,054,330 | 4,574 |
| Average total loans | $36,822,000 | 4,575 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4733% | 2,963 |
| Cost of funding earning assets | 0.2703% | 4,929 |
| Net interest margin | 4.2030% | 1,298 |
| Noninterest income to average assets | 0.1578% | 4,792 |
| Noninterest expense to average assets | 1.8884% | 4,815 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.3057% | 219 |
| Return on assets (ROA) | 2.3057% | 230 |
| Pretax return on assets | 2.3057% | 358 |
| Return on Equity (ROE) | 22.6429% | 158 |
| Retained earnings to average equity (ytd only) | 2.6492% | 3,872 |
| Net charge-offs to loans | -0.0110% | 4,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0243% | 5,067 |
| Assets per employee ($millions) | 7.8643% | 704 |
| Cash dividends to net income (ytd only)* | 88.3002% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6610% | 936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 44.2671% | 4,738 |
| Net loans and leases to deposits | 49.5051% | 4,833 |
| Net loans and leases to core deposits | 50.6821% | 4,870 |
| Total domestic deposits to total assets | 89.4193% | 683 |
| Equity capital to assets | 10.4892% | 3,352 |
| Core capital (leverage) ratio | 9.9845% | 3,618 |
| Tier 1 risk-based capital ratio | 15.0021% | 2,890 |
| Total risk-based capital ratio | 16.1122% | 2,866 |
| Memoranda: | ||
| Average total assets | $78,587,000 | 4,442 |
| Average earning assets | $75,470,000 | 4,381 |
| Average equity | $8,002,500 | 4,618 |
| Average total loans | $36,300,000 | 4,633 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3763% | 2,840 |
| Cost of funding earning assets | 0.1698% | 5,117 |
| Net interest margin | 4.2066% | 1,375 |
| Noninterest income to average assets | 0.1874% | 4,788 |
| Noninterest expense to average assets | 1.9527% | 4,816 |
| Loan and lease loss provision to assets | 0.1988% | 954 |
| Net operating income to assets | 2.0470% | 322 |
| Return on assets (ROA) | 2.0623% | 314 |
| Pretax return on assets | 2.0623% | 483 |
| Return on Equity (ROE) | 21.1924% | 189 |
| Retained earnings to average equity (ytd only) | 0.2358% | 4,920 |
| Net charge-offs to loans | 0.0052% | 3,526 |
| Credit loss provision to net charge-offs | 7,800.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 881.0000% | 121 |
| Efficiency ratio | 46.5088% | 5,105 |
| Assets per employee ($millions) | 7.8531% | 691 |
| Cash dividends to net income (ytd only)* | 98.8875% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5780% | 1,074 |
| Loan loss allowance to noncurrent loans | 1,431.7073% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 4,584 |
| Noncurrent loans to loans | 0.1102% | 4,235 |
| Net loans and leases to total assets | 46.6211% | 4,712 |
| Net loans and leases to deposits | 51.7550% | 4,827 |
| Net loans and leases to core deposits | 53.5616% | 4,860 |
| Total domestic deposits to total assets | 90.0804% | 446 |
| Equity capital to assets | 9.8764% | 3,790 |
| Core capital (leverage) ratio | 10.0516% | 3,521 |
| Tier 1 risk-based capital ratio | 14.7257% | 2,955 |
| Total risk-based capital ratio | 15.8209% | 2,947 |
| Memoranda: | ||
| Average total assets | $78,454,400 | 4,451 |
| Average earning assets | $74,811,400 | 4,407 |
| Average equity | $7,634,800 | 4,656 |
| Average total loans | $38,407,800 | 4,603 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 2,975 |
| Cost of funding earning assets | 0.1608% | 5,185 |
| Net interest margin | 4.1366% | 1,532 |
| Noninterest income to average assets | 0.1768% | 4,901 |
| Noninterest expense to average assets | 1.8886% | 4,923 |
| Loan and lease loss provision to assets | 0.0017% | 3,927 |
| Net operating income to assets | 2.2234% | 259 |
| Return on assets (ROA) | 2.2404% | 252 |
| Pretax return on assets | 2.2404% | 375 |
| Return on Equity (ROE) | 23.1086% | 126 |
| Retained earnings to average equity (ytd only) | -4.9443% | 5,317 |
| Net charge-offs to loans | 0.0034% | 3,345 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 1,312.2481% | 59 |
| Efficiency ratio | 45.9091% | 5,149 |
| Assets per employee ($millions) | 7.7184% | 713 |
| Cash dividends to net income (ytd only)* | 121.3960% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 3,449 |
| Loan loss allowance to noncurrent loans | 7,216.6667% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 4,980 |
| Noncurrent loans to loans | 0.0146% | 4,851 |
| Net loans and leases to total assets | 52.7389% | 4,443 |
| Net loans and leases to deposits | 58.5218% | 4,618 |
| Net loans and leases to core deposits | 60.6006% | 4,679 |
| Total domestic deposits to total assets | 90.1184% | 471 |
| Equity capital to assets | 9.2908% | 4,290 |
| Core capital (leverage) ratio | 9.5877% | 4,072 |
| Tier 1 risk-based capital ratio | 14.6512% | 3,045 |
| Total risk-based capital ratio | 15.4867% | 3,167 |
| Memoranda: | ||
| Average total assets | $78,435,250 | 4,502 |
| Average earning assets | $74,649,250 | 4,455 |
| Average equity | $7,604,500 | 4,714 |
| Average total loans | $38,710,000 | 4,639 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1285% | 3,351 |
| Cost of funding earning assets | 0.1553% | 5,222 |
| Net interest margin | 3.9732% | 1,948 |
| Noninterest income to average assets | 0.1598% | 5,027 |
| Noninterest expense to average assets | 1.8566% | 5,022 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.0672% | 325 |
| Return on assets (ROA) | 2.0748% | 318 |
| Pretax return on assets | 2.0748% | 510 |
| Return on Equity (ROE) | 21.1124% | 200 |
| Retained earnings to average equity (ytd only) | -9.8593% | 5,414 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5869% | 5,444 |
| Assets per employee ($millions) | 7.9372% | 639 |
| Cash dividends to net income (ytd only)* | 146.6993% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 3,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 49.9030% | 4,615 |
| Net loans and leases to deposits | 55.0569% | 4,797 |
| Net loans and leases to core deposits | 57.3827% | 4,819 |
| Total domestic deposits to total assets | 90.6390% | 351 |
| Equity capital to assets | 9.2161% | 4,363 |
| Core capital (leverage) ratio | 9.5155% | 4,102 |
| Tier 1 risk-based capital ratio | 13.7436% | 3,484 |
| Total risk-based capital ratio | 14.5378% | 3,664 |
| Memoranda: | ||
| Average total assets | $78,852,330 | 4,539 |
| Average earning assets | $74,700,670 | 4,493 |
| Average equity | $7,749,000 | 4,735 |
| Average total loans | $37,900,330 | 4,707 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 3,822 |
| Cost of funding earning assets | 0.1562% | 5,239 |
| Net interest margin | 3.7815% | 2,498 |
| Noninterest income to average assets | 0.1578% | 5,072 |
| Noninterest expense to average assets | 1.8730% | 5,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8577% | 502 |
| Return on assets (ROA) | 1.8984% | 457 |
| Pretax return on assets | 1.8984% | 728 |
| Return on Equity (ROE) | 18.7296% | 336 |
| Retained earnings to average equity (ytd only) | -1.3558% | 4,948 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2046% | 5,069 |
| Assets per employee ($millions) | 7.8042% | 679 |
| Cash dividends to net income (ytd only)* | 107.2386% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 2,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 46.3481% | 4,778 |
| Net loans and leases to deposits | 51.4956% | 4,902 |
| Net loans and leases to core deposits | 53.9399% | 4,917 |
| Total domestic deposits to total assets | 90.0041% | 653 |
| Equity capital to assets | 9.9088% | 3,690 |
| Core capital (leverage) ratio | 9.9685% | 3,568 |
| Tier 1 risk-based capital ratio | 14.8558% | 2,946 |
| Total risk-based capital ratio | 15.6754% | 3,070 |
| Memoranda: | ||
| Average total assets | $78,592,500 | 4,594 |
| Average earning assets | $74,255,500 | 4,547 |
| Average equity | $7,966,000 | 4,749 |
| Average total loans | $36,829,500 | 4,784 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0581% | 3,212 |
| Cost of funding earning assets | 0.1357% | 5,340 |
| Net interest margin | 3.9224% | 2,023 |
| Noninterest income to average assets | 0.2023% | 4,932 |
| Noninterest expense to average assets | 1.9899% | 4,977 |
| Loan and lease loss provision to assets | 0.0219% | 3,862 |
| Net operating income to assets | 1.8791% | 356 |
| Return on assets (ROA) | 1.8340% | 396 |
| Pretax return on assets | 1.8340% | 727 |
| Return on Equity (ROE) | 17.9003% | 317 |
| Retained earnings to average equity (ytd only) | -0.9686% | 5,181 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1428% | 5,157 |
| Assets per employee ($millions) | 7.9143% | 654 |
| Cash dividends to net income (ytd only)* | 105.4111% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 2,965 |
| 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 | 46.2732% | 4,877 |
| Net loans and leases to deposits | 51.6436% | 5,002 |
| Net loans and leases to core deposits | 54.0682% | 5,000 |
| Total domestic deposits to total assets | 89.6011% | 733 |
| Equity capital to assets | 10.3597% | 3,321 |
| Core capital (leverage) ratio | 9.8572% | 3,627 |
| Tier 1 risk-based capital ratio | 16.5755% | 2,237 |
| Total risk-based capital ratio | 17.4868% | 2,289 |
| Memoranda: | ||
| Average total assets | $77,591,600 | 4,634 |
| Average earning assets | $72,965,200 | 4,598 |
| Average equity | $7,949,600 | 4,788 |
| Average total loans | $37,988,200 | 4,790 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0127% | 3,304 |
| Cost of funding earning assets | 0.1284% | 5,436 |
| Net interest margin | 3.8843% | 2,091 |
| Noninterest income to average assets | 0.1865% | 5,083 |
| Noninterest expense to average assets | 1.9221% | 5,106 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.9221% | 367 |
| Return on assets (ROA) | 1.8617% | 428 |
| Pretax return on assets | 1.8617% | 764 |
| Return on Equity (ROE) | 18.2231% | 316 |
| Retained earnings to average equity (ytd only) | -7.1337% | 5,579 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 5,248 |
| Assets per employee ($millions) | 7.7043% | 703 |
| Cash dividends to net income (ytd only)* | 139.1463% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 3,848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 51.4310% | 4,617 |
| Net loans and leases to deposits | 57.5103% | 4,789 |
| Net loans and leases to core deposits | 60.2921% | 4,802 |
| Total domestic deposits to total assets | 89.4293% | 680 |
| Equity capital to assets | 10.3994% | 3,480 |
| Core capital (leverage) ratio | 9.6631% | 3,973 |
| Tier 1 risk-based capital ratio | 13.4609% | 3,728 |
| Total risk-based capital ratio | 14.2045% | 3,948 |
| Memoranda: | ||
| Average total assets | $77,203,750 | 4,692 |
| Average earning assets | $72,700,250 | 4,654 |
| Average equity | $7,887,250 | 4,848 |
| Average total loans | $38,221,500 | 4,834 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8817% | 3,617 |
| Cost of funding earning assets | 0.1206% | 5,504 |
| Net interest margin | 3.7611% | 2,435 |
| Noninterest income to average assets | 0.1760% | 5,174 |
| Noninterest expense to average assets | 1.9260% | 5,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.8018% | 450 |
| Return on assets (ROA) | 1.6905% | 585 |
| Pretax return on assets | 1.6905% | 1,081 |
| Return on Equity (ROE) | 16.6461% | 443 |
| Retained earnings to average equity (ytd only) | -13.9440% | 5,696 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6667% | 5,205 |
| Assets per employee ($millions) | 7.7984% | 667 |
| Cash dividends to net income (ytd only)* | 183.7672% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 3,556 |
| Loan loss allowance to noncurrent loans | 286.8966% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.1859% | 4,430 |
| Noncurrent loans to loans | 0.3852% | 3,645 |
| Net loans and leases to total assets | 47.7329% | 4,841 |
| Net loans and leases to deposits | 53.1923% | 5,005 |
| Net loans and leases to core deposits | 55.5002% | 5,021 |
| Total domestic deposits to total assets | 89.7364% | 629 |
| Equity capital to assets | 10.1444% | 3,748 |
| Core capital (leverage) ratio | 9.4139% | 4,217 |
| Tier 1 risk-based capital ratio | 14.4153% | 3,210 |
| Total risk-based capital ratio | 15.2251% | 3,357 |
| Memoranda: | ||
| Average total assets | $77,257,330 | 4,719 |
| Average earning assets | $72,957,000 | 4,677 |
| Average equity | $7,845,670 | 4,882 |
| Average total loans | $37,615,330 | 4,884 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7422% | 3,961 |
| Cost of funding earning assets | 0.1147% | 5,593 |
| Net interest margin | 3.6275% | 2,790 |
| Noninterest income to average assets | 0.1717% | 5,253 |
| Noninterest expense to average assets | 1.8311% | 5,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7947% | 454 |
| Return on assets (ROA) | 1.6022% | 689 |
| Pretax return on assets | 1.6022% | 1,234 |
| Return on Equity (ROE) | 15.7686% | 557 |
| Retained earnings to average equity (ytd only) | -25.1888% | 5,774 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5022% | 5,347 |
| Assets per employee ($millions) | 7.9179% | 645 |
| Cash dividends to net income (ytd only)* | 259.7403% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 3,464 |
| Loan loss allowance to noncurrent loans | 184.8889% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 4,071 |
| Noncurrent loans to loans | 0.6171% | 2,971 |
| Net loans and leases to total assets | 45.5196% | 4,962 |
| Net loans and leases to deposits | 50.4225% | 5,107 |
| Net loans and leases to core deposits | 52.5608% | 5,124 |
| Total domestic deposits to total assets | 90.2765% | 551 |
| Equity capital to assets | 9.6579% | 4,115 |
| Core capital (leverage) ratio | 9.5829% | 4,024 |
| Tier 1 risk-based capital ratio | 13.9486% | 3,515 |
| Total risk-based capital ratio | 14.7265% | 3,705 |
| Memoranda: | ||
| Average total assets | $76,894,000 | 4,771 |
| Average earning assets | $73,218,500 | 4,719 |
| Average equity | $7,813,000 | 4,931 |
| Average total loans | $37,603,000 | 4,929 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6995% | 4,206 |
| Cost of funding earning assets | 0.0871% | 5,754 |
| Net interest margin | 3.6124% | 3,030 |
| Noninterest income to average assets | 0.2643% | 4,838 |
| Noninterest expense to average assets | 1.9021% | 5,357 |
| Loan and lease loss provision to assets | 0.0065% | 4,233 |
| Net operating income to assets | 1.7946% | 453 |
| Return on assets (ROA) | 1.8153% | 455 |
| Pretax return on assets | 1.8153% | 771 |
| Return on Equity (ROE) | 16.6969% | 435 |
| Retained earnings to average equity (ytd only) | -1.1799% | 5,466 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3646% | 5,418 |
| Assets per employee ($millions) | 7.4609% | 744 |
| Cash dividends to net income (ytd only)* | 107.0664% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 3,868 |
| Loan loss allowance to noncurrent loans | 8,320.0000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 5,393 |
| Noncurrent loans to loans | 0.0129% | 5,228 |
| Net loans and leases to total assets | 51.3772% | 4,659 |
| Net loans and leases to deposits | 57.5452% | 4,828 |
| Net loans and leases to core deposits | 59.6746% | 4,874 |
| Total domestic deposits to total assets | 89.2815% | 964 |
| Equity capital to assets | 10.6944% | 2,933 |
| Core capital (leverage) ratio | 10.4070% | 2,980 |
| Tier 1 risk-based capital ratio | 16.4108% | 2,382 |
| Total risk-based capital ratio | 17.2693% | 2,476 |
| Memoranda: | ||
| Average total assets | $77,177,000 | 4,791 |
| Average earning assets | $73,469,600 | 4,728 |
| Average equity | $8,390,800 | 4,866 |
| Average total loans | $38,513,800 | 4,928 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6882% | 4,290 |
| Cost of funding earning assets | 0.0884% | 5,814 |
| Net interest margin | 3.5998% | 3,077 |
| Noninterest income to average assets | 0.2621% | 4,895 |
| Noninterest expense to average assets | 1.8487% | 5,460 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.8316% | 457 |
| Return on assets (ROA) | 1.8590% | 459 |
| Pretax return on assets | 1.8590% | 785 |
| Return on Equity (ROE) | 17.0317% | 443 |
| Retained earnings to average equity (ytd only) | -6.5144% | 5,780 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2328% | 5,488 |
| Assets per employee ($millions) | 7.7298% | 661 |
| Cash dividends to net income (ytd only)* | 138.2489% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 4,235 |
| Loan loss allowance to noncurrent loans | 1,417.2414% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 5,331 |
| Noncurrent loans to loans | 0.0728% | 5,057 |
| Net loans and leases to total assets | 51.0246% | 4,729 |
| Net loans and leases to deposits | 57.3320% | 4,914 |
| Net loans and leases to core deposits | 59.8607% | 4,935 |
| Total domestic deposits to total assets | 88.9984% | 909 |
| Equity capital to assets | 10.8399% | 3,212 |
| Core capital (leverage) ratio | 9.8686% | 3,732 |
| Tier 1 risk-based capital ratio | 15.2986% | 2,916 |
| Total risk-based capital ratio | 16.1221% | 3,042 |
| Memoranda: | ||
| Average total assets | $77,819,000 | 4,816 |
| Average earning assets | $73,890,750 | 4,760 |
| Average equity | $8,493,750 | 4,889 |
| Average total loans | $38,455,250 | 4,979 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6441% | 4,466 |
| Cost of funding earning assets | 0.0917% | 5,889 |
| Net interest margin | 3.5524% | 3,287 |
| Noninterest income to average assets | 0.2718% | 4,839 |
| Noninterest expense to average assets | 1.8207% | 5,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8284% | 454 |
| Return on assets (ROA) | 1.9720% | 365 |
| Pretax return on assets | 1.9720% | 602 |
| Return on Equity (ROE) | 18.0263% | 353 |
| Retained earnings to average equity (ytd only) | -7.7590% | 5,833 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8946% | 5,567 |
| Assets per employee ($millions) | 6.9812% | 881 |
| Cash dividends to net income (ytd only)* | 143.0429% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 4,158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 49.8926% | 4,847 |
| Net loans and leases to deposits | 56.2961% | 4,993 |
| Net loans and leases to core deposits | 58.8071% | 5,035 |
| Total domestic deposits to total assets | 88.6253% | 1,100 |
| Equity capital to assets | 11.2614% | 2,789 |
| Core capital (leverage) ratio | 9.9547% | 3,615 |
| Tier 1 risk-based capital ratio | 15.8384% | 2,719 |
| Total risk-based capital ratio | 16.6817% | 2,822 |
| Memoranda: | ||
| Average total assets | $77,992,670 | 4,863 |
| Average earning assets | $74,146,330 | 4,799 |
| Average equity | $8,532,000 | 4,914 |
| Average total loans | $37,989,670 | 5,039 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6135% | 4,587 |
| Cost of funding earning assets | 0.1022% | 5,908 |
| Net interest margin | 3.5114% | 3,427 |
| Noninterest income to average assets | 0.2036% | 5,282 |
| Noninterest expense to average assets | 1.8373% | 5,603 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6897% | 588 |
| Return on assets (ROA) | 1.9747% | 373 |
| Pretax return on assets | 1.9747% | 601 |
| Return on Equity (ROE) | 18.3148% | 333 |
| Retained earnings to average equity (ytd only) | -14.7274% | 5,902 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0924% | 5,512 |
| Assets per employee ($millions) | 7.8810% | 594 |
| Cash dividends to net income (ytd only)* | 180.4124% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 3,889 |
| Loan loss allowance to noncurrent loans | 6,850.0000% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 5,646 |
| Noncurrent loans to loans | 0.0165% | 5,445 |
| Net loans and leases to total assets | 45.6579% | 5,142 |
| Net loans and leases to deposits | 51.0846% | 5,275 |
| Net loans and leases to core deposits | 53.2813% | 5,300 |
| Total domestic deposits to total assets | 89.3770% | 907 |
| Equity capital to assets | 10.5507% | 3,430 |
| Core capital (leverage) ratio | 9.7365% | 3,862 |
| Tier 1 risk-based capital ratio | 12.1924% | 4,779 |
| Total risk-based capital ratio | 12.8399% | 5,082 |
| Memoranda: | ||
| Average total assets | $78,592,500 | 4,890 |
| Average earning assets | $74,387,000 | 4,840 |
| Average equity | $8,474,000 | 4,958 |
| Average total loans | $37,622,000 | 5,094 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5301% | 4,842 |
| Cost of funding earning assets | 0.1610% | 5,604 |
| Net interest margin | 3.3691% | 4,041 |
| Noninterest income to average assets | 0.2002% | 5,390 |
| Noninterest expense to average assets | 1.7192% | 5,825 |
| Loan and lease loss provision to assets | 0.0024% | 4,338 |
| Net operating income to assets | 1.6513% | 628 |
| Return on assets (ROA) | 1.6173% | 700 |
| Pretax return on assets | 1.6173% | 1,203 |
| Return on Equity (ROE) | 16.3234% | 522 |
| Retained earnings to average equity (ytd only) | 6.5269% | 1,524 |
| Net charge-offs to loans | 0.0200% | 3,869 |
| Credit loss provision to net charge-offs | 25.0000% | 3,707 |
| Earnings coverage of net charge-offs (x) | 170.3750% | 384 |
| Efficiency ratio | 50.9712% | 5,707 |
| Assets per employee ($millions) | 7.8375% | 606 |
| Cash dividends to net income (ytd only)* | 60.0150% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0579% | 4,270 |
| Loan loss allowance to noncurrent loans | 6,850.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 5,680 |
| Noncurrent loans to loans | 0.0154% | 5,465 |
| Net loans and leases to total assets | 49.0450% | 4,941 |
| Net loans and leases to deposits | 55.1389% | 5,103 |
| Net loans and leases to core deposits | 57.5348% | 5,131 |
| Total domestic deposits to total assets | 88.9480% | 1,142 |
| Equity capital to assets | 11.0150% | 2,806 |
| Core capital (leverage) ratio | 10.0384% | 3,459 |
| Tier 1 risk-based capital ratio | 16.1715% | 2,613 |
| Total risk-based capital ratio | 16.9971% | 2,747 |
| Memoranda: | ||
| Average total assets | $82,422,400 | 4,819 |
| Average earning assets | $77,617,400 | 4,774 |
| Average equity | $8,166,200 | 5,030 |
| Average total loans | $39,935,600 | 5,021 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4712% | 5,045 |
| Cost of funding earning assets | 0.1685% | 5,648 |
| Net interest margin | 3.3027% | 4,330 |
| Noninterest income to average assets | 0.1870% | 5,542 |
| Noninterest expense to average assets | 1.6571% | 5,938 |
| Loan and lease loss provision to assets | 0.0016% | 4,211 |
| Net operating income to assets | 1.6284% | 722 |
| Return on assets (ROA) | 1.5836% | 837 |
| Pretax return on assets | 1.5836% | 1,431 |
| Return on Equity (ROE) | 16.4147% | 542 |
| Retained earnings to average equity (ytd only) | 3.1637% | 4,209 |
| Net charge-offs to loans | 0.0199% | 3,545 |
| Credit loss provision to net charge-offs | 16.6667% | 3,390 |
| Earnings coverage of net charge-offs (x) | 169.9963% | 421 |
| Efficiency ratio | 50.4132% | 5,754 |
| Assets per employee ($millions) | 7.9421% | 555 |
| Cash dividends to net income (ytd only)* | 80.7266% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 4,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 50.0044% | 4,933 |
| Net loans and leases to deposits | 58.2317% | 4,983 |
| Net loans and leases to core deposits | 60.5941% | 5,025 |
| Total domestic deposits to total assets | 85.8715% | 2,604 |
| Equity capital to assets | 10.2983% | 3,820 |
| Core capital (leverage) ratio | 9.4677% | 4,344 |
| Tier 1 risk-based capital ratio | 15.2329% | 3,174 |
| Total risk-based capital ratio | 16.0471% | 3,340 |
| Memoranda: | ||
| Average total assets | $83,434,250 | 4,858 |
| Average earning assets | $78,317,750 | 4,814 |
| Average equity | $8,049,500 | 5,119 |
| Average total loans | $40,207,000 | 5,054 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3367% | 5,371 |
| Cost of funding earning assets | 0.1671% | 5,723 |
| Net interest margin | 3.1696% | 4,755 |
| Noninterest income to average assets | 0.1604% | 5,747 |
| Noninterest expense to average assets | 1.6633% | 6,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4510% | 986 |
| Return on assets (ROA) | 1.3589% | 1,212 |
| Pretax return on assets | 1.3589% | 2,150 |
| Return on Equity (ROE) | 14.3886% | 836 |
| Retained earnings to average equity (ytd only) | -0.5995% | 5,630 |
| Net charge-offs to loans | 0.0149% | 3,414 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 342 |
| Efficiency ratio | 53.4091% | 5,625 |
| Assets per employee ($millions) | 8.2639% | 469 |
| Cash dividends to net income (ytd only)* | 104.1667% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 4,766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 48.5933% | 5,048 |
| Net loans and leases to deposits | 55.1478% | 5,181 |
| Net loans and leases to core deposits | 57.2347% | 5,237 |
| Total domestic deposits to total assets | 88.1146% | 1,587 |
| Equity capital to assets | 9.3394% | 4,847 |
| Core capital (leverage) ratio | 8.8610% | 5,147 |
| Tier 1 risk-based capital ratio | 13.5155% | 4,209 |
| Total risk-based capital ratio | 14.2623% | 4,428 |
| Memoranda: | ||
| Average total assets | $84,772,000 | 4,881 |
| Average earning assets | $79,001,330 | 4,849 |
| Average equity | $8,006,330 | 5,163 |
| Average total loans | $40,234,000 | 5,094 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2353% | 5,587 |
| Cost of funding earning assets | 0.1679% | 5,792 |
| Net interest margin | 3.0675% | 5,034 |
| Noninterest income to average assets | 0.1258% | 5,973 |
| Noninterest expense to average assets | 1.6263% | 6,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3094% | 1,240 |
| Return on assets (ROA) | 1.3094% | 1,330 |
| Pretax return on assets | 1.3094% | 2,246 |
| Return on Equity (ROE) | 13.7906% | 916 |
| Retained earnings to average equity (ytd only) | 3.9752% | 3,614 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3968% | 5,563 |
| Assets per employee ($millions) | 8.8159% | 388 |
| Cash dividends to net income (ytd only)* | 71.1744% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 4,719 |
| Loan loss allowance to noncurrent loans | 2,780.0000% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 5,880 |
| Noncurrent loans to loans | 0.0380% | 5,633 |
| Net loans and leases to total assets | 44.2745% | 5,331 |
| Net loans and leases to deposits | 48.8553% | 5,522 |
| Net loans and leases to core deposits | 50.5321% | 5,564 |
| Total domestic deposits to total assets | 90.6238% | 487 |
| Equity capital to assets | 9.2968% | 4,974 |
| Core capital (leverage) ratio | 8.8757% | 5,103 |
| Tier 1 risk-based capital ratio | 15.4454% | 3,179 |
| Total risk-based capital ratio | 16.2930% | 3,337 |
| Memoranda: | ||
| Average total assets | $85,838,500 | 4,908 |
| Average earning assets | $78,631,500 | 4,902 |
| Average equity | $8,150,500 | 5,180 |
| Average total loans | $40,065,500 | 5,137 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7291% | 4,706 |
| Cost of funding earning assets | 0.1973% | 5,768 |
| Net interest margin | 3.5317% | 3,677 |
| Noninterest income to average assets | 0.1966% | 5,678 |
| Noninterest expense to average assets | 1.8551% | 6,001 |
| Loan and lease loss provision to assets | 0.0731% | 3,018 |
| Net operating income to assets | 1.5842% | 729 |
| Return on assets (ROA) | 1.6938% | 608 |
| Pretax return on assets | 1.6938% | 999 |
| Return on Equity (ROE) | 18.1956% | 379 |
| Retained earnings to average equity (ytd only) | 7.3649% | 1,245 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8166% | 5,925 |
| Assets per employee ($millions) | 8.3518% | 466 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 4,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 48.2112% | 5,129 |
| Net loans and leases to deposits | 53.4224% | 5,372 |
| Net loans and leases to core deposits | 55.3669% | 5,421 |
| Total domestic deposits to total assets | 90.2452% | 633 |
| Equity capital to assets | 9.7045% | 4,464 |
| Core capital (leverage) ratio | 9.1134% | 4,803 |
| Tier 1 risk-based capital ratio | 15.6295% | 3,174 |
| Total risk-based capital ratio | 16.4962% | 3,301 |
| Memoranda: | ||
| Average total assets | $79,347,800 | 5,080 |
| Average earning assets | $74,496,000 | 5,030 |
| Average equity | $7,386,400 | 5,329 |
| Average total loans | $40,374,200 | 5,166 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7059% | 4,838 |
| Cost of funding earning assets | 0.2002% | 5,824 |
| Net interest margin | 3.5057% | 3,805 |
| Noninterest income to average assets | 0.1941% | 5,757 |
| Noninterest expense to average assets | 1.7998% | 6,090 |
| Loan and lease loss provision to assets | 0.0988% | 2,393 |
| Net operating income to assets | 1.6056% | 741 |
| Return on assets (ROA) | 1.7333% | 593 |
| Pretax return on assets | 1.7333% | 1,010 |
| Return on Equity (ROE) | 18.8337% | 368 |
| Retained earnings to average equity (ytd only) | 4.0332% | 3,781 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3605% | 6,032 |
| Assets per employee ($millions) | 7.9021% | 547 |
| Cash dividends to net income (ytd only)* | 78.5854% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 5,249 |
| Loan loss allowance to noncurrent loans | 153.3088% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 4,891 |
| Noncurrent loans to loans | 0.6478% | 3,991 |
| Net loans and leases to total assets | 52.6050% | 4,738 |
| Net loans and leases to deposits | 58.8838% | 5,025 |
| Net loans and leases to core deposits | 61.6284% | 5,066 |
| Total domestic deposits to total assets | 89.3370% | 1,054 |
| Equity capital to assets | 9.8404% | 4,376 |
| Core capital (leverage) ratio | 9.0771% | 4,961 |
| Tier 1 risk-based capital ratio | 14.5327% | 3,867 |
| Total risk-based capital ratio | 15.3751% | 4,063 |
| Memoranda: | ||
| Average total assets | $78,305,250 | 5,163 |
| Average earning assets | $73,934,250 | 5,101 |
| Average equity | $7,206,750 | 5,420 |
| Average total loans | $40,297,250 | 5,226 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6131% | 5,110 |
| Cost of funding earning assets | 0.2012% | 5,902 |
| Net interest margin | 3.4119% | 4,127 |
| Noninterest income to average assets | 0.1691% | 5,943 |
| Noninterest expense to average assets | 1.8779% | 6,038 |
| Loan and lease loss provision to assets | 0.0051% | 4,129 |
| Net operating income to assets | 1.5013% | 865 |
| Return on assets (ROA) | 1.5909% | 751 |
| Pretax return on assets | 1.5909% | 1,275 |
| Return on Equity (ROE) | 17.6999% | 487 |
| Retained earnings to average equity (ytd only) | 0.5985% | 5,496 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4883% | 5,794 |
| Assets per employee ($millions) | 7.2637% | 708 |
| Cash dividends to net income (ytd only)* | 96.6184% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 5,801 |
| Loan loss allowance to noncurrent loans | 467.5325% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 5,861 |
| Noncurrent loans to loans | 0.1867% | 5,453 |
| Net loans and leases to total assets | 51.1571% | 4,837 |
| Net loans and leases to deposits | 56.5689% | 5,149 |
| Net loans and leases to core deposits | 59.1389% | 5,192 |
| Total domestic deposits to total assets | 90.4332% | 610 |
| Equity capital to assets | 9.4279% | 4,814 |
| Core capital (leverage) ratio | 8.9246% | 5,128 |
| Tier 1 risk-based capital ratio | 14.5395% | 3,903 |
| Total risk-based capital ratio | 15.2876% | 4,173 |
| Memoranda: | ||
| Average total assets | $78,066,670 | 5,207 |
| Average earning assets | $73,565,000 | 5,148 |
| Average equity | $7,017,000 | 5,487 |
| Average total loans | $39,734,330 | 5,288 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8189% | 4,406 |
| Cost of funding earning assets | 0.1981% | 6,015 |
| Net interest margin | 3.6208% | 3,168 |
| Noninterest income to average assets | 0.1555% | 6,037 |
| Noninterest expense to average assets | 1.7732% | 6,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7939% | 491 |
| Return on assets (ROA) | 1.9754% | 370 |
| Pretax return on assets | 1.9754% | 558 |
| Return on Equity (ROE) | 22.5477% | 180 |
| Retained earnings to average equity (ytd only) | 10.7116% | 796 |
| Net charge-offs to loans | 0.0103% | 3,417 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 346.0000% | 138 |
| Efficiency ratio | 49.7093% | 6,272 |
| Assets per employee ($millions) | 7.8081% | 532 |
| Cash dividends to net income (ytd only)* | 52.4934% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 5,809 |
| Loan loss allowance to noncurrent loans | 3,254.5455% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 6,282 |
| Noncurrent loans to loans | 0.0282% | 6,069 |
| Net loans and leases to total assets | 49.4397% | 4,958 |
| Net loans and leases to deposits | 54.4540% | 5,241 |
| Net loans and leases to core deposits | 57.3076% | 5,257 |
| Total domestic deposits to total assets | 90.7916% | 646 |
| Equity capital to assets | 9.1149% | 4,984 |
| Core capital (leverage) ratio | 9.1891% | 4,731 |
| Tier 1 risk-based capital ratio | 15.2606% | 3,572 |
| Total risk-based capital ratio | 16.0239% | 3,782 |
| Memoranda: | ||
| Average total assets | $77,149,500 | 5,274 |
| Average earning assets | $72,690,500 | 5,211 |
| Average equity | $6,759,000 | 5,579 |
| Average total loans | $38,984,000 | 5,357 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1001% | 3,735 |
| Cost of funding earning assets | 0.2418% | 6,020 |
| Net interest margin | 3.8583% | 2,436 |
| Noninterest income to average assets | 0.1746% | 6,044 |
| Noninterest expense to average assets | 1.9561% | 6,098 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7891% | 494 |
| Return on assets (ROA) | 1.7801% | 516 |
| Pretax return on assets | 1.8340% | 693 |
| Return on Equity (ROE) | 20.5280% | 258 |
| Retained earnings to average equity (ytd only) | 9.9310% | 572 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4858% | 6,339 |
| Assets per employee ($millions) | 6.9289% | 798 |
| Cash dividends to net income (ytd only)* | 51.6224% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9203% | 5,858 |
| Loan loss allowance to noncurrent loans | 569.8413% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 6,096 |
| Noncurrent loans to loans | 0.1615% | 5,711 |
| Net loans and leases to total assets | 50.7072% | 5,006 |
| Net loans and leases to deposits | 55.5647% | 5,343 |
| Net loans and leases to core deposits | 58.0920% | 5,387 |
| Total domestic deposits to total assets | 91.2580% | 480 |
| Equity capital to assets | 8.3983% | 5,697 |
| Core capital (leverage) ratio | 9.0475% | 4,934 |
| Tier 1 risk-based capital ratio | 14.7040% | 3,841 |
| Total risk-based capital ratio | 15.4607% | 4,091 |
| Memoranda: | ||
| Average total assets | $76,173,800 | 5,321 |
| Average earning assets | $71,559,800 | 5,267 |
| Average equity | $6,605,600 | 5,671 |
| Average total loans | $39,180,000 | 5,383 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0851% | 3,825 |
| Cost of funding earning assets | 0.2508% | 6,075 |
| Net interest margin | 3.8343% | 2,523 |
| Noninterest income to average assets | 0.1646% | 6,202 |
| Noninterest expense to average assets | 1.7751% | 6,381 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.9623% | 387 |
| Return on assets (ROA) | 1.9519% | 411 |
| Pretax return on assets | 1.9659% | 623 |
| Return on Equity (ROE) | 22.3327% | 194 |
| Retained earnings to average equity (ytd only) | 8.3122% | 1,290 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3168% | 6,533 |
| Assets per employee ($millions) | 7.0682% | 721 |
| Cash dividends to net income (ytd only)* | 62.7802% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 6,090 |
| Loan loss allowance to noncurrent loans | 8,975.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 6,505 |
| Noncurrent loans to loans | 0.0099% | 6,346 |
| Net loans and leases to total assets | 51.6527% | 4,919 |
| Net loans and leases to deposits | 58.8382% | 5,099 |
| Net loans and leases to core deposits | 61.5687% | 5,165 |
| Total domestic deposits to total assets | 87.7878% | 2,255 |
| Equity capital to assets | 8.0746% | 6,100 |
| Core capital (leverage) ratio | 8.6213% | 5,629 |
| Tier 1 risk-based capital ratio | 14.7031% | 3,948 |
| Total risk-based capital ratio | 15.4869% | 4,208 |
| Memoranda: | ||
| Average total assets | $76,162,750 | 5,382 |
| Average earning assets | $71,249,500 | 5,327 |
| Average equity | $6,656,750 | 5,732 |
| Average total loans | $39,223,250 | 5,434 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0035% | 4,092 |
| Cost of funding earning assets | 0.2449% | 6,210 |
| Net interest margin | 3.7586% | 2,727 |
| Noninterest income to average assets | 0.1454% | 6,319 |
| Noninterest expense to average assets | 1.7029% | 6,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8744% | 449 |
| Return on assets (ROA) | 1.8590% | 493 |
| Pretax return on assets | 1.9171% | 726 |
| Return on Equity (ROE) | 20.7283% | 265 |
| Retained earnings to average equity (ytd only) | 5.9856% | 2,454 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8364% | 6,597 |
| Assets per employee ($millions) | 6.9984% | 718 |
| Cash dividends to net income (ytd only)* | 71.1238% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8746% | 6,211 |
| Loan loss allowance to noncurrent loans | 5,983.3333% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 6,538 |
| Noncurrent loans to loans | 0.0146% | 6,386 |
| Net loans and leases to total assets | 52.8552% | 4,760 |
| Net loans and leases to deposits | 60.0088% | 4,978 |
| Net loans and leases to core deposits | 62.5609% | 5,049 |
| Total domestic deposits to total assets | 88.0790% | 2,192 |
| Equity capital to assets | 7.9148% | 6,256 |
| Core capital (leverage) ratio | 8.5284% | 5,635 |
| Tier 1 risk-based capital ratio | 13.5108% | 4,763 |
| Total risk-based capital ratio | 14.2543% | 5,083 |
| Memoranda: | ||
| Average total assets | $75,633,670 | 5,422 |
| Average earning assets | $70,239,330 | 5,387 |
| Average equity | $6,783,000 | 5,738 |
| Average total loans | $38,791,330 | 5,477 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9543% | 4,284 |
| Cost of funding earning assets | 0.2515% | 6,281 |
| Net interest margin | 3.7028% | 2,841 |
| Noninterest income to average assets | 0.1334% | 6,428 |
| Noninterest expense to average assets | 1.7023% | 6,556 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6916% | 595 |
| Return on assets (ROA) | 1.6916% | 655 |
| Pretax return on assets | 1.8090% | 865 |
| Return on Equity (ROE) | 17.7890% | 450 |
| Retained earnings to average equity (ytd only) | 0.9540% | 5,463 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4802% | 6,590 |
| Assets per employee ($millions) | 7.5082% | 607 |
| Cash dividends to net income (ytd only)* | 94.6372% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 6,135 |
| Loan loss allowance to noncurrent loans | 3,590.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 6,579 |
| Noncurrent loans to loans | 0.0264% | 6,415 |
| Net loans and leases to total assets | 49.8881% | 5,007 |
| Net loans and leases to deposits | 55.1706% | 5,331 |
| Net loans and leases to core deposits | 57.0747% | 5,428 |
| Total domestic deposits to total assets | 90.4251% | 807 |
| Equity capital to assets | 9.3325% | 5,093 |
| Core capital (leverage) ratio | 8.3989% | 5,709 |
| Tier 1 risk-based capital ratio | 13.5386% | 4,844 |
| Total risk-based capital ratio | 14.3056% | 5,135 |
| Memoranda: | ||
| Average total assets | $74,959,500 | 5,486 |
| Average earning assets | $68,381,000 | 5,480 |
| Average equity | $7,128,000 | 5,708 |
| Average total loans | $37,663,000 | 5,558 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4859% | 3,458 |
| Cost of funding earning assets | 0.3390% | 6,275 |
| Net interest margin | 4.1469% | 1,833 |
| Noninterest income to average assets | 0.1886% | 6,056 |
| Noninterest expense to average assets | 2.0930% | 6,144 |
| Loan and lease loss provision to assets | 0.1253% | 4,052 |
| Net operating income to assets | 1.5555% | 819 |
| Return on assets (ROA) | 1.7130% | 675 |
| Pretax return on assets | 1.8228% | 879 |
| Return on Equity (ROE) | 17.8200% | 456 |
| Retained earnings to average equity (ytd only) | 11.9630% | 329 |
| Net charge-offs to loans | 0.0164% | 5,682 |
| Credit loss provision to net charge-offs | 1,483.3333% | 166 |
| Earnings coverage of net charge-offs (x) | 210.8333% | 207 |
| Efficiency ratio | 54.0334% | 6,266 |
| Assets per employee ($millions) | 8.3152% | 439 |
| Cash dividends to net income (ytd only)* | 32.8677% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 6,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 49.6426% | 5,218 |
| Net loans and leases to deposits | 55.1284% | 5,537 |
| Net loans and leases to core deposits | 57.0439% | 5,628 |
| Total domestic deposits to total assets | 90.0490% | 923 |
| Equity capital to assets | 9.6864% | 4,610 |
| Core capital (leverage) ratio | 8.6047% | 5,455 |
| Tier 1 risk-based capital ratio | 14.5147% | 4,025 |
| Total risk-based capital ratio | 15.3392% | 4,271 |
| Memoranda: | ||
| Average total assets | $71,045,400 | 5,602 |
| Average earning assets | $63,130,800 | 5,633 |
| Average equity | $6,829,400 | 5,810 |
| Average total loans | $36,611,800 | 5,654 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4807% | 3,715 |
| Cost of funding earning assets | 0.3581% | 6,342 |
| Net interest margin | 4.1226% | 2,014 |
| Noninterest income to average assets | 0.1864% | 6,183 |
| Noninterest expense to average assets | 1.7575% | 6,728 |
| Loan and lease loss provision to assets | 0.0380% | 5,298 |
| Net operating income to assets | 1.9330% | 423 |
| Return on assets (ROA) | 1.9401% | 479 |
| Pretax return on assets | 2.0771% | 603 |
| Return on Equity (ROE) | 20.2241% | 320 |
| Retained earnings to average equity (ytd only) | 12.2931% | 490 |
| Net charge-offs to loans | 0.0220% | 5,357 |
| Credit loss provision to net charge-offs | 333.3333% | 795 |
| Earnings coverage of net charge-offs (x) | 184.6625% | 243 |
| Efficiency ratio | 45.4724% | 6,844 |
| Assets per employee ($millions) | 7.1330% | 700 |
| Cash dividends to net income (ytd only)* | 39.2156% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7484% | 6,689 |
| Loan loss allowance to noncurrent loans | 29,000.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 6,819 |
| Noncurrent loans to loans | 0.0026% | 6,686 |
| Net loans and leases to total assets | 53.9170% | 4,760 |
| Net loans and leases to deposits | 60.2777% | 5,173 |
| Net loans and leases to core deposits | 62.4943% | 5,310 |
| Total domestic deposits to total assets | 89.4476% | 1,159 |
| Equity capital to assets | 10.0869% | 4,378 |
| Core capital (leverage) ratio | 8.7233% | 5,439 |
| Tier 1 risk-based capital ratio | 13.9194% | 4,588 |
| Total risk-based capital ratio | 14.5786% | 4,970 |
| Memoranda: | ||
| Average total assets | $70,097,500 | 5,698 |
| Average earning assets | $62,548,500 | 5,716 |
| Average equity | $6,724,500 | 5,902 |
| Average total loans | $36,387,250 | 5,732 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4774% | 3,859 |
| Cost of funding earning assets | 0.3827% | 6,363 |
| Net interest margin | 4.0947% | 2,117 |
| Noninterest income to average assets | 0.1693% | 6,332 |
| Noninterest expense to average assets | 1.6818% | 6,855 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.9436% | 428 |
| Return on assets (ROA) | 1.9516% | 486 |
| Pretax return on assets | 2.0894% | 585 |
| Return on Equity (ROE) | 20.7075% | 311 |
| Retained earnings to average equity (ytd only) | 11.5718% | 650 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6987% | 6,930 |
| Assets per employee ($millions) | 6.8314% | 800 |
| Cash dividends to net income (ytd only)* | 44.1176% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7359% | 6,783 |
| Loan loss allowance to noncurrent loans | 6,900.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 6,839 |
| Noncurrent loans to loans | 0.0107% | 6,681 |
| Net loans and leases to total assets | 54.4940% | 4,709 |
| Net loans and leases to deposits | 60.8185% | 5,159 |
| Net loans and leases to core deposits | 63.1480% | 5,287 |
| Total domestic deposits to total assets | 89.6010% | 1,160 |
| Equity capital to assets | 10.0053% | 4,331 |
| Core capital (leverage) ratio | 8.4470% | 5,720 |
| Tier 1 risk-based capital ratio | 10.6027% | 6,661 |
| Total risk-based capital ratio | 11.1001% | 6,857 |
| Memoranda: | ||
| Average total assets | $69,686,670 | 5,739 |
| Average earning assets | $61,151,670 | 5,795 |
| Average equity | $6,567,670 | 5,962 |
| Average total loans | $35,600,000 | 5,806 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4522% | 4,106 |
| Cost of funding earning assets | 0.4269% | 6,275 |
| Net interest margin | 4.0253% | 2,398 |
| Noninterest income to average assets | 0.1592% | 6,433 |
| Noninterest expense to average assets | 1.6768% | 6,919 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7396% | 673 |
| Return on assets (ROA) | 1.7450% | 743 |
| Pretax return on assets | 1.8644% | 942 |
| Return on Equity (ROE) | 19.0861% | 448 |
| Retained earnings to average equity (ytd only) | 6.6522% | 2,605 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4277% | 6,839 |
| Assets per employee ($millions) | 7.9980% | 477 |
| Cash dividends to net income (ytd only)* | 65.1466% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7812% | 6,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 48.6997% | 5,470 |
| Net loans and leases to deposits | 53.7044% | 5,838 |
| Net loans and leases to core deposits | 55.6287% | 5,935 |
| Total domestic deposits to total assets | 90.6810% | 702 |
| Equity capital to assets | 9.0245% | 5,453 |
| Core capital (leverage) ratio | 8.0603% | 6,199 |
| Tier 1 risk-based capital ratio | 13.3764% | 4,916 |
| Total risk-based capital ratio | 14.0346% | 5,357 |
| Memoranda: | ||
| Average total assets | $70,373,000 | 5,755 |
| Average earning assets | $59,026,500 | 5,906 |
| Average equity | $6,434,000 | 6,033 |
| Average total loans | $34,648,500 | 5,890 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8125% | 3,751 |
| Cost of funding earning assets | 0.6016% | 6,084 |
| Net interest margin | 4.2110% | 2,024 |
| Noninterest income to average assets | 0.2113% | 6,006 |
| Noninterest expense to average assets | 2.0139% | 6,652 |
| Loan and lease loss provision to assets | 0.1354% | 4,923 |
| Net operating income to assets | 1.5731% | 711 |
| Return on assets (ROA) | 1.5731% | 765 |
| Pretax return on assets | 1.6903% | 1,008 |
| Return on Equity (ROE) | 16.6707% | 510 |
| Retained earnings to average equity (ytd only) | 11.4229% | 358 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4506% | 6,666 |
| Assets per employee ($millions) | 7.6404% | 543 |
| Cash dividends to net income (ytd only)* | 31.4795% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8126% | 6,709 |
| Loan loss allowance to noncurrent loans | 3,066.6667% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 6,952 |
| Noncurrent loans to loans | 0.0265% | 6,758 |
| Net loans and leases to total assets | 48.9937% | 5,716 |
| Net loans and leases to deposits | 54.1893% | 6,048 |
| Net loans and leases to core deposits | 56.2879% | 6,141 |
| Total domestic deposits to total assets | 90.4121% | 757 |
| Equity capital to assets | 9.2665% | 5,192 |
| Core capital (leverage) ratio | 8.1340% | 6,094 |
| Tier 1 risk-based capital ratio | 13.5421% | 4,665 |
| Total risk-based capital ratio | 14.2214% | 5,070 |
| Memoranda: | ||
| Average total assets | $60,580,400 | 6,018 |
| Average earning assets | $52,197,000 | 6,117 |
| Average equity | $5,716,600 | 6,228 |
| Average total loans | $32,537,400 | 6,040 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8408% | 3,830 |
| Cost of funding earning assets | 0.6204% | 6,182 |
| Net interest margin | 4.2204% | 2,020 |
| Noninterest income to average assets | 0.2118% | 6,100 |
| Noninterest expense to average assets | 1.9042% | 6,842 |
| Loan and lease loss provision to assets | 0.1594% | 4,471 |
| Net operating income to assets | 1.7084% | 614 |
| Return on assets (ROA) | 1.7084% | 671 |
| Pretax return on assets | 1.8359% | 892 |
| Return on Equity (ROE) | 18.0087% | 457 |
| Retained earnings to average equity (ytd only) | 10.8053% | 663 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8318% | 6,898 |
| Assets per employee ($millions) | 7.9203% | 482 |
| Cash dividends to net income (ytd only)* | 39.9998% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7583% | 6,881 |
| Loan loss allowance to noncurrent loans | 183.3333% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 6,489 |
| Noncurrent loans to loans | 0.4136% | 6,016 |
| Net loans and leases to total assets | 54.5311% | 5,085 |
| Net loans and leases to deposits | 60.5846% | 5,569 |
| Net loans and leases to core deposits | 63.7397% | 5,649 |
| Total domestic deposits to total assets | 90.0082% | 860 |
| Equity capital to assets | 9.4915% | 5,105 |
| Core capital (leverage) ratio | 8.9356% | 5,038 |
| Tier 1 risk-based capital ratio | 13.2909% | 4,881 |
| Total risk-based capital ratio | 13.9529% | 5,306 |
| Memoranda: | ||
| Average total assets | $58,534,500 | 6,133 |
| Average earning assets | $51,147,250 | 6,198 |
| Average equity | $5,552,750 | 6,319 |
| Average total loans | $32,180,250 | 6,124 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8107% | 4,058 |
| Cost of funding earning assets | 0.6348% | 6,300 |
| Net interest margin | 4.1759% | 2,136 |
| Noninterest income to average assets | 0.1862% | 6,330 |
| Noninterest expense to average assets | 1.9956% | 6,808 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7323% | 563 |
| Return on assets (ROA) | 1.7356% | 603 |
| Pretax return on assets | 1.8691% | 755 |
| Return on Equity (ROE) | 18.2997% | 440 |
| Retained earnings to average equity (ytd only) | 10.8909% | 687 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6833% | 6,813 |
| Assets per employee ($millions) | 7.1533% | 675 |
| Cash dividends to net income (ytd only)* | 40.4858% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5902% | 7,150 |
| Loan loss allowance to noncurrent loans | 119.0184% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.2848% | 6,416 |
| Noncurrent loans to loans | 0.4959% | 5,913 |
| Net loans and leases to total assets | 57.1017% | 4,805 |
| Net loans and leases to deposits | 63.6222% | 5,324 |
| Net loans and leases to core deposits | 67.3086% | 5,357 |
| Total domestic deposits to total assets | 89.7512% | 1,097 |
| Equity capital to assets | 9.8015% | 4,388 |
| Core capital (leverage) ratio | 8.9582% | 4,792 |
| Tier 1 risk-based capital ratio | 13.9275% | 4,223 |
| Total risk-based capital ratio | 14.4528% | 4,746 |
| Memoranda: | ||
| Average total assets | $56,925,330 | 6,238 |
| Average earning assets | $50,096,670 | 6,288 |
| Average equity | $5,399,000 | 6,410 |
| Average total loans | $31,301,670 | 6,229 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8168% | 3,982 |
| Cost of funding earning assets | 0.6487% | 6,384 |
| Net interest margin | 4.1681% | 2,005 |
| Noninterest income to average assets | 0.1691% | 6,516 |
| Noninterest expense to average assets | 2.2122% | 6,395 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4659% | 944 |
| Return on assets (ROA) | 1.4725% | 968 |
| Pretax return on assets | 1.5852% | 1,226 |
| Return on Equity (ROE) | 15.7915% | 701 |
| Retained earnings to average equity (ytd only) | 8.2357% | 1,647 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3643% | 6,225 |
| Assets per employee ($millions) | 7.2338% | 654 |
| Cash dividends to net income (ytd only)* | 47.8469% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6301% | 7,170 |
| Loan loss allowance to noncurrent loans | 129.3333% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 6,534 |
| Noncurrent loans to loans | 0.4872% | 6,040 |
| Net loans and leases to total assets | 52.8650% | 5,473 |
| Net loans and leases to deposits | 58.4784% | 5,883 |
| Net loans and leases to core deposits | 62.5598% | 5,871 |
| Total domestic deposits to total assets | 90.4009% | 896 |
| Equity capital to assets | 9.2483% | 4,819 |
| Core capital (leverage) ratio | 8.6613% | 5,154 |
| Tier 1 risk-based capital ratio | 13.8689% | 4,158 |
| Total risk-based capital ratio | 14.4116% | 4,675 |
| Memoranda: | ||
| Average total assets | $56,775,000 | 6,288 |
| Average earning assets | $49,327,000 | 6,365 |
| Average equity | $5,294,000 | 6,456 |
| Average total loans | $30,517,000 | 6,315 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1154% | 4,030 |
| Cost of funding earning assets | 0.8086% | 6,532 |
| Net interest margin | 4.3068% | 1,800 |
| Noninterest income to average assets | 0.2336% | 6,134 |
| Noninterest expense to average assets | 2.4447% | 5,959 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.5813% | 642 |
| Return on assets (ROA) | 1.5831% | 698 |
| Pretax return on assets | 1.6933% | 957 |
| Return on Equity (ROE) | 17.2963% | 450 |
| Retained earnings to average equity (ytd only) | 8.1070% | 952 |
| Net charge-offs to loans | 0.0032% | 6,824 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 905.0000% | 16 |
| Efficiency ratio | 59.1053% | 6,180 |
| Assets per employee ($millions) | 6.9600% | 757 |
| Cash dividends to net income (ytd only)* | 53.1287% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6414% | 7,211 |
| Loan loss allowance to noncurrent loans | 132.8767% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.2622% | 6,590 |
| Noncurrent loans to loans | 0.4827% | 6,073 |
| Net loans and leases to total assets | 53.9745% | 5,637 |
| Net loans and leases to deposits | 59.8308% | 6,074 |
| Net loans and leases to core deposits | 65.8927% | 5,883 |
| Total domestic deposits to total assets | 90.2119% | 983 |
| Equity capital to assets | 9.4037% | 4,545 |
| Core capital (leverage) ratio | 8.7070% | 5,008 |
| Tier 1 risk-based capital ratio | 14.3755% | 3,628 |
| Total risk-based capital ratio | 14.9506% | 4,033 |
| Memoranda: | ||
| Average total assets | $53,504,000 | 6,421 |
| Average earning assets | $48,481,200 | 6,419 |
| Average equity | $4,897,000 | 6,704 |
| Average total loans | $31,179,200 | 6,352 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1311% | 4,164 |
| Cost of funding earning assets | 0.8465% | 6,598 |
| Net interest margin | 4.2846% | 1,898 |
| Noninterest income to average assets | 0.2291% | 6,261 |
| Noninterest expense to average assets | 2.2608% | 6,437 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.7574% | 557 |
| Return on assets (ROA) | 1.7598% | 602 |
| Pretax return on assets | 1.8957% | 779 |
| Return on Equity (ROE) | 19.3668% | 353 |
| Retained earnings to average equity (ytd only) | 6.8989% | 1,904 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4242% | 6,750 |
| Assets per employee ($millions) | 6.8379% | 825 |
| Cash dividends to net income (ytd only)* | 64.3780% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6042% | 7,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 58.6385% | 5,163 |
| Net loans and leases to deposits | 65.1548% | 5,768 |
| Net loans and leases to core deposits | 69.5632% | 5,791 |
| Total domestic deposits to total assets | 89.9987% | 880 |
| Equity capital to assets | 9.3980% | 4,990 |
| Core capital (leverage) ratio | 8.8065% | 4,995 |
| Tier 1 risk-based capital ratio | 14.0711% | 3,780 |
| Total risk-based capital ratio | 14.6547% | 4,235 |
| Memoranda: | ||
| Average total assets | $52,960,000 | 6,508 |
| Average earning assets | $48,513,500 | 6,486 |
| Average equity | $4,812,250 | 6,807 |
| Average total loans | $31,412,250 | 6,420 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1282% | 4,309 |
| Cost of funding earning assets | 0.8942% | 6,605 |
| Net interest margin | 4.2340% | 2,041 |
| Noninterest income to average assets | 0.2024% | 6,459 |
| Noninterest expense to average assets | 2.2375% | 6,548 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.7259% | 559 |
| Return on assets (ROA) | 1.7259% | 611 |
| Pretax return on assets | 1.8519% | 812 |
| Return on Equity (ROE) | 19.2231% | 370 |
| Retained earnings to average equity (ytd only) | 2.2115% | 4,744 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7152% | 6,796 |
| Assets per employee ($millions) | 6.5255% | 947 |
| Cash dividends to net income (ytd only)* | 88.4956% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6136% | 7,392 |
| Loan loss allowance to noncurrent loans | 85.1528% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.4387% | 6,351 |
| Noncurrent loans to loans | 0.7206% | 5,813 |
| Net loans and leases to total assets | 60.4992% | 4,966 |
| Net loans and leases to deposits | 66.9529% | 5,688 |
| Net loans and leases to core deposits | 72.5346% | 5,618 |
| Total domestic deposits to total assets | 90.3609% | 739 |
| Equity capital to assets | 9.1047% | 5,288 |
| Core capital (leverage) ratio | 8.5656% | 5,303 |
| Tier 1 risk-based capital ratio | 13.9482% | 3,771 |
| Total risk-based capital ratio | 14.5520% | 4,166 |
| Memoranda: | ||
| Average total assets | $52,379,000 | 6,567 |
| Average earning assets | $48,087,330 | 6,546 |
| Average equity | $4,702,670 | 6,876 |
| Average total loans | $31,125,670 | 6,472 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1197% | 4,440 |
| Cost of funding earning assets | 0.9521% | 6,571 |
| Net interest margin | 4.1676% | 2,163 |
| Noninterest income to average assets | 0.1830% | 6,644 |
| Noninterest expense to average assets | 2.4015% | 6,079 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4257% | 1,024 |
| Return on assets (ROA) | 1.4257% | 1,093 |
| Pretax return on assets | 1.5858% | 1,301 |
| Return on Equity (ROE) | 15.9914% | 723 |
| Retained earnings to average equity (ytd only) | 7.4399% | 1,954 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2294% | 6,123 |
| Assets per employee ($millions) | 6.5718% | 958 |
| Cash dividends to net income (ytd only)* | 53.4759% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6260% | 7,466 |
| Loan loss allowance to noncurrent loans | 201.0309% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 7,013 |
| Noncurrent loans to loans | 0.3114% | 6,697 |
| Net loans and leases to total assets | 58.8827% | 5,300 |
| Net loans and leases to deposits | 65.0713% | 5,934 |
| Net loans and leases to core deposits | 70.8901% | 5,836 |
| Total domestic deposits to total assets | 90.4896% | 743 |
| Equity capital to assets | 9.0292% | 5,235 |
| Core capital (leverage) ratio | 8.6242% | 5,167 |
| Tier 1 risk-based capital ratio | 14.3426% | 3,472 |
| Total risk-based capital ratio | 14.9588% | 3,811 |
| Memoranda: | ||
| Average total assets | $52,466,500 | 6,650 |
| Average earning assets | $47,893,500 | 6,631 |
| Average equity | $4,677,500 | 6,954 |
| Average total loans | $30,799,500 | 6,575 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2972% | 5,187 |
| Cost of funding earning assets | 1.1261% | 6,898 |
| Net interest margin | 4.1711% | 2,174 |
| Noninterest income to average assets | 0.2448% | 6,348 |
| Noninterest expense to average assets | 2.2336% | 6,908 |
| Loan and lease loss provision to assets | 0.1702% | 5,986 |
| Net operating income to assets | 1.5297% | 632 |
| Return on assets (ROA) | 1.5777% | 613 |
| Pretax return on assets | 1.6963% | 786 |
| Return on Equity (ROE) | 18.6213% | 327 |
| Retained earnings to average equity (ytd only) | 6.2071% | 1,268 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1724% | 7,112 |
| Assets per employee ($millions) | 6.5449% | 971 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6405% | 7,493 |
| 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 | 57.7780% | 5,694 |
| Net loans and leases to deposits | 63.6951% | 6,309 |
| Net loans and leases to core deposits | 79.1668% | 6,171 |
| Total domestic deposits to total assets | 90.7103% | 658 |
| Equity capital to assets | 8.8008% | 5,438 |
| Core capital (leverage) ratio | 8.5249% | 5,240 |
| Tier 1 risk-based capital ratio | 14.3358% | 3,297 |
| Total risk-based capital ratio | 14.9636% | 3,615 |
| Memoranda: | ||
| Average total assets | $52,291,600 | 6,624 |
| Average earning assets | $47,685,600 | 6,611 |
| Average equity | $4,430,400 | 7,136 |
| Average total loans | $28,642,200 | 6,713 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2972% | 5,438 |
| Cost of funding earning assets | 1.1465% | 7,051 |
| Net interest margin | 4.1507% | 2,212 |
| Noninterest income to average assets | 0.2474% | 6,466 |
| Noninterest expense to average assets | 2.0124% | 7,359 |
| Loan and lease loss provision to assets | 0.0178% | 7,167 |
| Net operating income to assets | 1.8693% | 382 |
| Return on assets (ROA) | 1.9333% | 364 |
| Pretax return on assets | 2.0813% | 460 |
| Return on Equity (ROE) | 23.0424% | 172 |
| Retained earnings to average equity (ytd only) | 6.3231% | 1,806 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7792% | 7,574 |
| Assets per employee ($millions) | 6.4685% | 996 |
| Cash dividends to net income (ytd only)* | 72.5600% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3674% | 7,851 |
| Loan loss allowance to noncurrent loans | 305.4054% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 7,380 |
| Noncurrent loans to loans | 0.1203% | 7,173 |
| Net loans and leases to total assets | 59.2216% | 5,708 |
| Net loans and leases to deposits | 68.3224% | 6,105 |
| Net loans and leases to core deposits | 84.9414% | 5,971 |
| Total domestic deposits to total assets | 86.6797% | 2,338 |
| Equity capital to assets | 8.7810% | 5,832 |
| Core capital (leverage) ratio | 8.5227% | 5,453 |
| Tier 1 risk-based capital ratio | 11.7249% | 5,221 |
| Total risk-based capital ratio | 12.0271% | 6,149 |
| Memoranda: | ||
| Average total assets | $52,274,750 | 6,671 |
| Average earning assets | $47,797,750 | 6,660 |
| Average equity | $4,386,000 | 7,220 |
| Average total loans | $28,191,000 | 6,783 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2474% | 5,884 |
| Cost of funding earning assets | 1.1642% | 7,205 |
| Net interest margin | 4.0832% | 2,383 |
| Noninterest income to average assets | 0.2173% | 6,749 |
| Noninterest expense to average assets | 2.0324% | 7,408 |
| Loan and lease loss provision to assets | 0.0267% | 6,975 |
| Net operating income to assets | 1.7422% | 520 |
| Return on assets (ROA) | 1.8379% | 459 |
| Pretax return on assets | 1.9790% | 593 |
| Return on Equity (ROE) | 22.2462% | 226 |
| Retained earnings to average equity (ytd only) | 6.0923% | 1,972 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6473% | 7,541 |
| Assets per employee ($millions) | 6.4958% | 970 |
| Cash dividends to net income (ytd only)* | 72.6141% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3919% | 7,906 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 55.2688% | 6,304 |
| Net loans and leases to deposits | 62.7795% | 6,679 |
| Net loans and leases to core deposits | 75.9052% | 6,684 |
| Total domestic deposits to total assets | 88.0364% | 1,750 |
| Equity capital to assets | 8.4555% | 6,113 |
| Core capital (leverage) ratio | 8.2859% | 5,824 |
| Tier 1 risk-based capital ratio | 13.2932% | 3,939 |
| Total risk-based capital ratio | 13.6418% | 4,535 |
| Memoranda: | ||
| Average total assets | $52,450,330 | 6,726 |
| Average earning assets | $47,757,000 | 6,717 |
| Average equity | $4,333,330 | 7,299 |
| Average total loans | $27,335,000 | 6,890 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2553% | 6,093 |
| Cost of funding earning assets | 1.2038% | 7,290 |
| Net interest margin | 4.0515% | 2,448 |
| Noninterest income to average assets | 0.2050% | 6,825 |
| Noninterest expense to average assets | 1.9130% | 7,523 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8625% | 468 |
| Return on assets (ROA) | 1.8978% | 484 |
| Pretax return on assets | 2.0344% | 628 |
| Return on Equity (ROE) | 23.2396% | 250 |
| Retained earnings to average equity (ytd only) | 18.5917% | 211 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9320% | 7,671 |
| Assets per employee ($millions) | 6.5349% | 949 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4006% | 7,943 |
| Loan loss allowance to noncurrent loans | 424.0000% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 7,456 |
| Noncurrent loans to loans | 0.0945% | 7,255 |
| Net loans and leases to total assets | 50.4103% | 6,825 |
| Net loans and leases to deposits | 55.4028% | 7,195 |
| Net loans and leases to core deposits | 67.1183% | 7,189 |
| Total domestic deposits to total assets | 90.9887% | 417 |
| Equity capital to assets | 8.4833% | 6,100 |
| Core capital (leverage) ratio | 8.4045% | 5,710 |
| Tier 1 risk-based capital ratio | 13.9948% | 3,591 |
| Total risk-based capital ratio | 14.3337% | 4,043 |
| Memoranda: | ||
| Average total assets | $52,692,500 | 6,751 |
| Average earning assets | $48,180,000 | 6,741 |
| Average equity | $4,303,000 | 7,350 |
| Average total loans | $26,585,500 | 6,973 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6734% | 6,855 |
| Cost of funding earning assets | 1.8780% | 6,799 |
| Net interest margin | 3.7954% | 4,045 |
| Noninterest income to average assets | 0.2546% | 6,628 |
| Noninterest expense to average assets | 2.0264% | 7,393 |
| Loan and lease loss provision to assets | 0.0513% | 6,772 |
| Net operating income to assets | 1.6182% | 811 |
| Return on assets (ROA) | 1.6240% | 760 |
| Pretax return on assets | 1.7389% | 1,069 |
| Return on Equity (ROE) | 19.8037% | 394 |
| Retained earnings to average equity (ytd only) | 7.2856% | 1,062 |
| Net charge-offs to loans | 0.0040% | 6,938 |
| Credit loss provision to net charge-offs | 2,500.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 869.0000% | 56 |
| Efficiency ratio | 53.1789% | 7,358 |
| Assets per employee ($millions) | 6.6383% | 834 |
| Cash dividends to net income (ytd only)* | 63.2111% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3968% | 7,982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 50.0979% | 7,023 |
| Net loans and leases to deposits | 57.2286% | 7,249 |
| Net loans and leases to core deposits | 69.6138% | 7,211 |
| Total domestic deposits to total assets | 87.5400% | 1,694 |
| Equity capital to assets | 7.8541% | 7,040 |
| Core capital (leverage) ratio | 8.1485% | 6,254 |
| Tier 1 risk-based capital ratio | 13.4080% | 3,870 |
| Total risk-based capital ratio | 13.7483% | 4,339 |
| Memoranda: | ||
| Average total assets | $48,708,000 | 6,834 |
| Average earning assets | $45,633,800 | 6,785 |
| Average equity | $3,994,200 | 7,513 |
| Average total loans | $24,713,000 | 7,044 |