Home > Sound Banking Company > Performance and Condition Ratios
Sound Banking Company, 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 | 6.6594% | 300 |
| Cost of funding earning assets | 0.7585% | 3,842 |
| Net interest margin | 5.9010% | 123 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 3.6575% | 477 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.0235% | 451 |
| Return on assets (ROA) | 2.0235% | 434 |
| Pretax return on assets | 2.0235% | 645 |
| Return on Equity (ROE) | 18.7200% | 737 |
| Retained earnings to average equity (ytd only) | 0.0686% | 4,028 |
| 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 | 64.3813% | 2,563 |
| Assets per employee ($millions) | 8.8948% | 1,023 |
| Cash dividends to net income (ytd only)* | 99.6334% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6741% | 710 |
| Loan loss allowance to noncurrent loans | 696.7033% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 2,201 |
| Noncurrent loans to loans | 0.2403% | 2,348 |
| Net loans and leases to total assets | 83.7300% | 291 |
| Net loans and leases to deposits | 100.5971% | 505 |
| Net loans and leases to core deposits | 136.3457% | 312 |
| Total domestic deposits to total assets | 83.2300% | 2,831 |
| Equity capital to assets | 12.5399% | 981 |
| Core capital (leverage) ratio | 12.0005% | 1,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6469% | 1,361 |
| Memoranda: | ||
| Average total assets | $53,917,200 | 4,273 |
| Average earning assets | $47,992,200 | 4,272 |
| Average equity | $5,827,600 | 4,178 |
| Average total loans | $37,727,800 | 4,030 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3148% | 365 |
| Cost of funding earning assets | 0.5851% | 3,996 |
| Net interest margin | 5.7297% | 139 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.8145% | 1,400 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.6747% | 226 |
| Return on assets (ROA) | 2.6747% | 224 |
| Pretax return on assets | 2.6747% | 324 |
| Return on Equity (ROE) | 25.5600% | 370 |
| Retained earnings to average equity (ytd only) | 8.2168% | 1,884 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.2732% | 3,812 |
| Assets per employee ($millions) | 10.1494% | 632 |
| Cash dividends to net income (ytd only)* | 67.8477% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6529% | 780 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 74.3400% | 1,302 |
| Net loans and leases to deposits | 84.8280% | 1,665 |
| Net loans and leases to core deposits | 108.6617% | 924 |
| Total domestic deposits to total assets | 87.6300% | 1,693 |
| Equity capital to assets | 11.9317% | 1,051 |
| Core capital (leverage) ratio | 12.3408% | 1,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5341% | 1,014 |
| Memoranda: | ||
| Average total assets | $56,278,000 | 4,268 |
| Average earning assets | $50,589,000 | 4,260 |
| Average equity | $5,890,250 | 4,180 |
| Average total loans | $37,692,250 | 4,041 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1462% | 373 |
| Cost of funding earning assets | 0.4047% | 4,159 |
| Net interest margin | 5.7416% | 132 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.7460% | 1,536 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.7494% | 186 |
| Return on assets (ROA) | 2.7494% | 185 |
| Pretax return on assets | 2.7494% | 265 |
| Return on Equity (ROE) | 27.3800% | 280 |
| Retained earnings to average equity (ytd only) | 1.1310% | 3,889 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 49.9687% | 3,934 |
| Assets per employee ($millions) | 9.6892% | 733 |
| Cash dividends to net income (ytd only)* | 95.8698% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6391% | 859 |
| 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 | 78.5300% | 779 |
| Net loans and leases to deposits | 89.4064% | 1,229 |
| Net loans and leases to core deposits | 103.3746% | 1,076 |
| Total domestic deposits to total assets | 87.8400% | 1,663 |
| Equity capital to assets | 11.8173% | 1,099 |
| Core capital (leverage) ratio | 11.4255% | 1,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6470% | 1,181 |
| Memoranda: | ||
| Average total assets | $58,121,667 | 4,267 |
| Average earning assets | $52,390,000 | 4,265 |
| Average equity | $5,835,333 | 4,209 |
| Average total loans | $37,470,667 | 4,054 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8777% | 369 |
| Cost of funding earning assets | 0.2309% | 4,327 |
| Net interest margin | 5.6468% | 127 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.5350% | 2,147 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.8780% | 167 |
| Return on assets (ROA) | 2.8780% | 165 |
| Pretax return on assets | 2.8780% | 228 |
| Return on Equity (ROE) | 30.7600% | 218 |
| Retained earnings to average equity (ytd only) | 30.7614% | 108 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.8310% | 4,173 |
| Assets per employee ($millions) | 10.5210% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6907% | 825 |
| Loan loss allowance to noncurrent loans | 581.6514% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 2,102 |
| Noncurrent loans to loans | 0.2907% | 2,100 |
| Net loans and leases to total assets | 70.0800% | 1,622 |
| Net loans and leases to deposits | 79.5537% | 1,850 |
| Net loans and leases to core deposits | 94.3830% | 1,369 |
| Total domestic deposits to total assets | 88.0900% | 1,898 |
| Equity capital to assets | 11.6833% | 1,095 |
| Core capital (leverage) ratio | 10.0425% | 2,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7467% | 1,031 |
| Memoranda: | ||
| Average total assets | $62,959,500 | 4,280 |
| Average earning assets | $57,165,500 | 4,271 |
| Average equity | $5,890,500 | 4,254 |
| Average total loans | $36,866,000 | 4,119 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7086% | 2,505 |
| Cost of funding earning assets | 0.0482% | 4,579 |
| Net interest margin | 3.6604% | 1,474 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.3331% | 2,636 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3461% | 1,290 |
| Return on assets (ROA) | 1.3461% | 1,252 |
| Pretax return on assets | 1.3461% | 1,941 |
| Return on Equity (ROE) | 20.9600% | 396 |
| Retained earnings to average equity (ytd only) | 4.6919% | 3,175 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.4139% | 2,576 |
| Assets per employee ($millions) | 14.6628% | 218 |
| Cash dividends to net income (ytd only)* | 77.6158% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7498% | 729 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 48.5600% | 3,630 |
| Net loans and leases to deposits | 52.6691% | 3,755 |
| Net loans and leases to core deposits | 57.9253% | 3,620 |
| Total domestic deposits to total assets | 92.1900% | 589 |
| Equity capital to assets | 7.6861% | 3,266 |
| Core capital (leverage) ratio | 7.7879% | 4,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9135% | 1,138 |
| Memoranda: | ||
| Average total assets | $86,621,400 | 4,054 |
| Average earning assets | $80,920,200 | 4,024 |
| Average equity | $5,562,800 | 4,377 |
| Average total loans | $36,711,200 | 4,122 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2898% | 3,203 |
| Cost of funding earning assets | 0.0411% | 4,610 |
| Net interest margin | 3.2487% | 2,463 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.6987% | 4,152 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5890% | 673 |
| Return on assets (ROA) | 1.5890% | 653 |
| Pretax return on assets | 1.5890% | 1,144 |
| Return on Equity (ROE) | 25.7800% | 167 |
| Retained earnings to average equity (ytd only) | 9.8830% | 1,385 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.6682% | 4,036 |
| Assets per employee ($millions) | 15.0700% | 201 |
| Cash dividends to net income (ytd only)* | 61.6604% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8412% | 676 |
| 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 | 44.8600% | 3,827 |
| Net loans and leases to deposits | 48.7144% | 3,924 |
| Net loans and leases to core deposits | 54.2040% | 3,732 |
| Total domestic deposits to total assets | 92.0800% | 855 |
| Equity capital to assets | 7.6775% | 3,103 |
| Core capital (leverage) ratio | 7.4631% | 4,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9176% | 1,004 |
| Memoranda: | ||
| Average total assets | $89,948,250 | 4,044 |
| Average earning assets | $84,338,750 | 4,017 |
| Average equity | $5,544,750 | 4,413 |
| Average total loans | $36,831,000 | 4,143 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9344% | 3,709 |
| Cost of funding earning assets | 0.0359% | 4,671 |
| Net interest margin | 2.8985% | 3,178 |
| Noninterest income to average assets | 0.2384% | 3,745 |
| Noninterest expense to average assets | 1.6263% | 4,270 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3395% | 1,048 |
| Return on assets (ROA) | 1.3395% | 1,029 |
| Pretax return on assets | 1.3395% | 1,615 |
| Return on Equity (ROE) | 23.2402% | 157 |
| Retained earnings to average equity (ytd only) | -0.9516% | 4,290 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8364% | 3,882 |
| Assets per employee ($millions) | 16.3896% | 152 |
| Cash dividends to net income (ytd only)* | 104.0945% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8079% | 807 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 42.0193% | 3,970 |
| Net loans and leases to deposits | 45.0277% | 4,068 |
| Net loans and leases to core deposits | 49.5924% | 3,954 |
| Total domestic deposits to total assets | 93.3189% | 429 |
| Equity capital to assets | 6.5261% | 4,008 |
| Core capital (leverage) ratio | 5.6076% | 4,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6530% | 1,522 |
| Memoranda: | ||
| Average total assets | $94,814,333 | 4,038 |
| Average earning assets | $89,217,333 | 4,017 |
| Average equity | $5,464,667 | 4,471 |
| Average total loans | $37,630,000 | 4,186 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5528% | 4,194 |
| Cost of funding earning assets | 0.0334% | 4,695 |
| Net interest margin | 2.5193% | 3,864 |
| Noninterest income to average assets | 0.2568% | 3,602 |
| Noninterest expense to average assets | 1.4618% | 4,468 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1773% | 1,309 |
| Return on assets (ROA) | 1.1773% | 1,308 |
| Pretax return on assets | 1.1773% | 1,887 |
| Return on Equity (ROE) | 21.5825% | 177 |
| Retained earnings to average equity (ytd only) | 21.5825% | 78 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3892% | 3,928 |
| Assets per employee ($millions) | 20.1236% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6429% | 1,169 |
| 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 | 37.7229% | 4,129 |
| Net loans and leases to deposits | 40.0135% | 4,249 |
| Net loans and leases to core deposits | 44.0453% | 4,160 |
| Total domestic deposits to total assets | 94.2754% | 88 |
| Equity capital to assets | 5.6372% | 4,647 |
| Core capital (leverage) ratio | 6.1228% | 4,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3651% | 1,678 |
| Memoranda: | ||
| Average total assets | $101,247,500 | 3,991 |
| Average earning assets | $95,739,000 | 3,971 |
| Average equity | $5,523,000 | 4,515 |
| Average total loans | $38,911,000 | 4,174 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0467% | 3,788 |
| Cost of funding earning assets | 0.0810% | 4,522 |
| Net interest margin | 2.9657% | 3,282 |
| Noninterest income to average assets | 0.2585% | 3,831 |
| Noninterest expense to average assets | 1.9982% | 3,680 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0364% | 2,533 |
| Return on assets (ROA) | 1.0364% | 2,603 |
| Pretax return on assets | 1.0364% | 3,163 |
| Return on Equity (ROE) | 17.4347% | 527 |
| Retained earnings to average equity (ytd only) | 3.2245% | 3,539 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8465% | 2,280 |
| Assets per employee ($millions) | 20.3754% | 98 |
| Cash dividends to net income (ytd only)* | 81.5054% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6160% | 1,218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 37.8869% | 4,195 |
| Net loans and leases to deposits | 40.0216% | 4,339 |
| Net loans and leases to core deposits | 43.7257% | 4,277 |
| Total domestic deposits to total assets | 94.6661% | 6 |
| Equity capital to assets | 5.2750% | 4,829 |
| Core capital (leverage) ratio | 5.5416% | 4,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3901% | 2,085 |
| Memoranda: | ||
| Average total assets | $89,732,800 | 4,099 |
| Average earning assets | $83,993,200 | 4,079 |
| Average equity | $5,334,200 | 4,598 |
| Average total loans | $39,454,600 | 4,202 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1676% | 3,669 |
| Cost of funding earning assets | 0.0956% | 4,531 |
| Net interest margin | 3.0720% | 3,122 |
| Noninterest income to average assets | 0.2015% | 4,193 |
| Noninterest expense to average assets | 1.6701% | 4,371 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3979% | 1,551 |
| Return on assets (ROA) | 1.3979% | 1,612 |
| Pretax return on assets | 1.3979% | 2,341 |
| Return on Equity (ROE) | 22.7632% | 261 |
| Retained earnings to average equity (ytd only) | 6.8365% | 2,482 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4361% | 3,737 |
| Assets per employee ($millions) | 18.5526% | 127 |
| Cash dividends to net income (ytd only)* | 69.9670% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 1,351 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 42.1817% | 4,080 |
| Net loans and leases to deposits | 44.9021% | 4,280 |
| Net loans and leases to core deposits | 49.8262% | 4,149 |
| Total domestic deposits to total assets | 93.9415% | 11 |
| Equity capital to assets | 5.9021% | 4,893 |
| Core capital (leverage) ratio | 6.4258% | 4,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5141% | 2,160 |
| Memoranda: | ||
| Average total assets | $86,696,750 | 4,187 |
| Average earning assets | $80,900,500 | 4,170 |
| Average equity | $5,324,250 | 4,664 |
| Average total loans | $39,510,250 | 4,259 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2374% | 3,596 |
| Cost of funding earning assets | 0.1168% | 4,460 |
| Net interest margin | 3.1206% | 2,985 |
| Noninterest income to average assets | 0.1842% | 4,279 |
| Noninterest expense to average assets | 1.7242% | 4,323 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3629% | 1,671 |
| Return on assets (ROA) | 1.3629% | 1,745 |
| Pretax return on assets | 1.3629% | 2,430 |
| Return on Equity (ROE) | 21.8809% | 327 |
| Retained earnings to average equity (ytd only) | -2.2374% | 4,679 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8531% | 3,563 |
| Assets per employee ($millions) | 15.5732% | 184 |
| Cash dividends to net income (ytd only)* | 110.2253% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 1,216 |
| 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 | 49.2166% | 3,632 |
| Net loans and leases to deposits | 52.8098% | 3,945 |
| Net loans and leases to core deposits | 59.4551% | 3,661 |
| Total domestic deposits to total assets | 93.1960% | 27 |
| Equity capital to assets | 6.6049% | 4,888 |
| Core capital (leverage) ratio | 6.4893% | 4,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9000% | 2,403 |
| Memoranda: | ||
| Average total assets | $84,674,667 | 4,236 |
| Average earning assets | $78,767,000 | 4,221 |
| Average equity | $5,274,000 | 4,696 |
| Average total loans | $39,426,000 | 4,292 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1309% | 3,825 |
| Cost of funding earning assets | 0.1368% | 4,403 |
| Net interest margin | 2.9942% | 3,274 |
| Noninterest income to average assets | 0.1771% | 4,311 |
| Noninterest expense to average assets | 1.7166% | 4,344 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2443% | 1,996 |
| Return on assets (ROA) | 1.2443% | 2,079 |
| Pretax return on assets | 1.2443% | 2,719 |
| Return on Equity (ROE) | 20.5263% | 501 |
| Retained earnings to average equity (ytd only) | 20.5263% | 253 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9755% | 3,303 |
| Assets per employee ($millions) | 19.1336% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 1,382 |
| 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 | 41.6764% | 4,250 |
| Net loans and leases to deposits | 44.2608% | 4,408 |
| Net loans and leases to core deposits | 48.6131% | 4,352 |
| Total domestic deposits to total assets | 94.1611% | 9 |
| Equity capital to assets | 5.7250% | 4,953 |
| Core capital (leverage) ratio | 6.6203% | 4,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4530% | 1,757 |
| Memoranda: | ||
| Average total assets | $88,079,000 | 4,213 |
| Average earning assets | $81,892,500 | 4,196 |
| Average equity | $5,339,500 | 4,710 |
| Average total loans | $39,660,500 | 4,312 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3729% | 1,660 |
| Cost of funding earning assets | 0.2933% | 4,185 |
| Net interest margin | 4.0796% | 824 |
| Noninterest income to average assets | 0.2635% | 3,899 |
| Noninterest expense to average assets | 2.6518% | 2,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.3407% | 1,145 |
| Return on assets (ROA) | 1.3407% | 1,243 |
| Pretax return on assets | 1.3407% | 1,852 |
| Return on Equity (ROE) | 16.0592% | 499 |
| Retained earnings to average equity (ytd only) | -2.2035% | 4,719 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4194% | 2,461 |
| Assets per employee ($millions) | 16.0980% | 150 |
| Cash dividends to net income (ytd only)* | 113.7209% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6333% | 1,209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 47.4369% | 4,011 |
| Net loans and leases to deposits | 50.7726% | 4,275 |
| Net loans and leases to core deposits | 56.8591% | 4,111 |
| Total domestic deposits to total assets | 93.4302% | 10 |
| Equity capital to assets | 6.4629% | 4,960 |
| Core capital (leverage) ratio | 7.3676% | 4,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,145,200 | 4,457 |
| Average earning assets | $58,633,400 | 4,457 |
| Average equity | $5,355,200 | 4,710 |
| Average total loans | $38,366,800 | 4,342 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6518% | 1,183 |
| Cost of funding earning assets | 0.3366% | 4,119 |
| Net interest margin | 4.3152% | 569 |
| Noninterest income to average assets | 0.2553% | 3,949 |
| Noninterest expense to average assets | 2.3421% | 3,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.8404% | 414 |
| Return on assets (ROA) | 1.8404% | 457 |
| Pretax return on assets | 1.8404% | 725 |
| Return on Equity (ROE) | 20.4933% | 226 |
| Retained earnings to average equity (ytd only) | 4.1530% | 2,967 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9979% | 3,922 |
| Assets per employee ($millions) | 13.4070% | 233 |
| Cash dividends to net income (ytd only)* | 79.7346% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6368% | 1,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 56.8360% | 3,540 |
| Net loans and leases to deposits | 62.0642% | 3,928 |
| Net loans and leases to core deposits | 74.4985% | 3,286 |
| Total domestic deposits to total assets | 91.5760% | 94 |
| Equity capital to assets | 8.1868% | 4,641 |
| Core capital (leverage) ratio | 9.1025% | 3,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,059,000 | 4,531 |
| Average earning assets | $54,658,750 | 4,531 |
| Average equity | $5,393,500 | 4,726 |
| Average total loans | $38,254,500 | 4,371 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8918% | 989 |
| Cost of funding earning assets | 0.3857% | 4,105 |
| Net interest margin | 4.5061% | 493 |
| Noninterest income to average assets | 0.2598% | 3,918 |
| Noninterest expense to average assets | 2.5600% | 2,797 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7875% | 515 |
| Return on assets (ROA) | 1.7875% | 564 |
| Pretax return on assets | 1.7875% | 834 |
| Return on Equity (ROE) | 19.2465% | 286 |
| Retained earnings to average equity (ytd only) | -5.4084% | 4,787 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8845% | 3,574 |
| Assets per employee ($millions) | 12.0156% | 318 |
| Cash dividends to net income (ytd only)* | 128.1008% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6407% | 921 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 63.2644% | 2,963 |
| Net loans and leases to deposits | 69.4121% | 3,470 |
| Net loans and leases to core deposits | 85.1529% | 2,510 |
| Total domestic deposits to total assets | 91.1432% | 125 |
| Equity capital to assets | 8.6138% | 4,414 |
| Core capital (leverage) ratio | 9.2922% | 3,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,733,667 | 4,569 |
| Average earning assets | $52,373,333 | 4,584 |
| Average equity | $5,362,000 | 4,758 |
| Average total loans | $38,094,667 | 4,385 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2079% | 649 |
| Cost of funding earning assets | 0.4664% | 4,082 |
| Net interest margin | 4.7415% | 302 |
| Noninterest income to average assets | 0.2687% | 3,930 |
| Noninterest expense to average assets | 2.6591% | 2,812 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.9236% | 318 |
| Return on assets (ROA) | 1.9236% | 350 |
| Pretax return on assets | 1.9236% | 545 |
| Return on Equity (ROE) | 19.9432% | 168 |
| Retained earnings to average equity (ytd only) | 19.9432% | 64 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0247% | 3,997 |
| Assets per employee ($millions) | 9.7337% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7032% | 876 |
| 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 | 62.6503% | 3,231 |
| Net loans and leases to deposits | 69.4236% | 3,639 |
| Net loans and leases to core deposits | 87.0007% | 2,598 |
| Total domestic deposits to total assets | 90.2435% | 256 |
| Equity capital to assets | 9.5750% | 4,154 |
| Core capital (leverage) ratio | 9.9912% | 3,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,561,500 | 4,600 |
| Average earning assets | $51,460,500 | 4,612 |
| Average equity | $5,455,500 | 4,790 |
| Average total loans | $37,821,000 | 4,418 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7151% | 385 |
| Cost of funding earning assets | 0.4836% | 4,157 |
| Net interest margin | 5.2315% | 178 |
| Noninterest income to average assets | 0.3934% | 3,338 |
| Noninterest expense to average assets | 3.2715% | 1,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.8573% | 472 |
| Return on assets (ROA) | 1.8573% | 492 |
| Pretax return on assets | 1.8573% | 822 |
| Return on Equity (ROE) | 19.1724% | 259 |
| Retained earnings to average equity (ytd only) | 0.8415% | 4,438 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7871% | 3,104 |
| Assets per employee ($millions) | 9.1202% | 484 |
| Cash dividends to net income (ytd only)* | 95.6107% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6502% | 883 |
| 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 | 69.0503% | 2,537 |
| Net loans and leases to deposits | 76.6119% | 3,120 |
| Net loans and leases to core deposits | 93.1836% | 2,139 |
| Total domestic deposits to total assets | 90.1299% | 285 |
| Equity capital to assets | 9.7202% | 4,174 |
| Core capital (leverage) ratio | 9.0925% | 4,453 |
| Tier 1 risk-based capital ratio | 14.3772% | 3,079 |
| Total risk-based capital ratio | 15.6314% | 2,987 |
| Memoranda: | ||
| Average total assets | $56,427,400 | 4,641 |
| Average earning assets | $51,074,800 | 4,654 |
| Average equity | $5,466,200 | 4,830 |
| Average total loans | $39,207,800 | 4,421 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7457% | 386 |
| Cost of funding earning assets | 0.4823% | 4,213 |
| Net interest margin | 5.2634% | 179 |
| Noninterest income to average assets | 0.3776% | 3,452 |
| Noninterest expense to average assets | 2.5749% | 3,232 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.5632% | 148 |
| Return on assets (ROA) | 2.5632% | 156 |
| Pretax return on assets | 2.5632% | 220 |
| Return on Equity (ROE) | 26.4819% | 67 |
| Retained earnings to average equity (ytd only) | 10.4910% | 631 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1141% | 4,735 |
| Assets per employee ($millions) | 9.4903% | 406 |
| Cash dividends to net income (ytd only)* | 60.3843% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7024% | 812 |
| 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 | 64.2882% | 3,257 |
| Net loans and leases to deposits | 71.6843% | 3,632 |
| Net loans and leases to core deposits | 84.4900% | 3,046 |
| Total domestic deposits to total assets | 89.6825% | 379 |
| Equity capital to assets | 10.0225% | 3,995 |
| Core capital (leverage) ratio | 9.9183% | 3,719 |
| Tier 1 risk-based capital ratio | 16.8527% | 2,132 |
| Total risk-based capital ratio | 18.1107% | 2,075 |
| Memoranda: | ||
| Average total assets | $56,854,000 | 4,706 |
| Average earning assets | $51,423,000 | 4,716 |
| Average equity | $5,503,000 | 4,891 |
| Average total loans | $39,405,000 | 4,473 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7784% | 350 |
| Cost of funding earning assets | 0.4595% | 4,290 |
| Net interest margin | 5.3189% | 163 |
| Noninterest income to average assets | 0.4294% | 3,075 |
| Noninterest expense to average assets | 2.6151% | 3,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.6221% | 134 |
| Return on assets (ROA) | 2.6221% | 139 |
| Pretax return on assets | 2.6221% | 205 |
| Return on Equity (ROE) | 27.4149% | 61 |
| Retained earnings to average equity (ytd only) | 3.1279% | 3,656 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9328% | 4,787 |
| Assets per employee ($millions) | 8.8993% | 486 |
| Cash dividends to net income (ytd only)* | 88.5906% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6327% | 959 |
| 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 | 71.5372% | 2,277 |
| Net loans and leases to deposits | 79.7287% | 2,985 |
| Net loans and leases to core deposits | 91.1255% | 2,495 |
| Total domestic deposits to total assets | 89.7258% | 409 |
| Equity capital to assets | 10.0363% | 3,947 |
| Core capital (leverage) ratio | 9.6494% | 3,980 |
| Tier 1 risk-based capital ratio | 14.3889% | 3,123 |
| Total risk-based capital ratio | 15.6428% | 3,038 |
| Memoranda: | ||
| Average total assets | $56,824,670 | 4,741 |
| Average earning assets | $51,363,670 | 4,755 |
| Average equity | $5,435,000 | 4,931 |
| Average total loans | $40,126,330 | 4,495 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5936% | 434 |
| Cost of funding earning assets | 0.4082% | 4,451 |
| Net interest margin | 5.1854% | 206 |
| Noninterest income to average assets | 0.5945% | 2,072 |
| Noninterest expense to average assets | 2.5624% | 3,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.7196% | 113 |
| Return on assets (ROA) | 2.7196% | 123 |
| Pretax return on assets | 2.7196% | 175 |
| Return on Equity (ROE) | 29.0883% | 53 |
| Retained earnings to average equity (ytd only) | 29.0883% | 28 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5123% | 4,922 |
| Assets per employee ($millions) | 9.3102% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5804% | 1,102 |
| Loan loss allowance to noncurrent loans | 1,713.5135% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 4,490 |
| Noncurrent loans to loans | 0.0922% | 4,335 |
| Net loans and leases to total assets | 70.6790% | 2,380 |
| Net loans and leases to deposits | 78.7954% | 2,969 |
| Net loans and leases to core deposits | 87.4366% | 2,746 |
| Total domestic deposits to total assets | 89.6994% | 562 |
| Equity capital to assets | 10.1538% | 3,675 |
| Core capital (leverage) ratio | 10.1398% | 3,445 |
| Tier 1 risk-based capital ratio | 14.7516% | 2,982 |
| Total risk-based capital ratio | 16.0052% | 2,919 |
| Memoranda: | ||
| Average total assets | $58,539,000 | 4,763 |
| Average earning assets | $52,917,500 | 4,781 |
| Average equity | $5,473,000 | 4,968 |
| Average total loans | $40,773,500 | 4,517 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4922% | 409 |
| Cost of funding earning assets | 0.2104% | 4,964 |
| Net interest margin | 5.2819% | 166 |
| Noninterest income to average assets | 0.2976% | 4,117 |
| Noninterest expense to average assets | 3.2186% | 1,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.8881% | 463 |
| Return on assets (ROA) | 1.8881% | 458 |
| Pretax return on assets | 1.8881% | 740 |
| Return on Equity (ROE) | 21.2120% | 188 |
| Retained earnings to average equity (ytd only) | 4.3039% | 3,182 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0275% | 3,341 |
| Assets per employee ($millions) | 10.2028% | 327 |
| Cash dividends to net income (ytd only)* | 79.7101% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5303% | 1,200 |
| Loan loss allowance to noncurrent loans | 1,625.6410% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 3,560 |
| Noncurrent loans to loans | 0.0941% | 4,325 |
| Net loans and leases to total assets | 66.6433% | 3,045 |
| Net loans and leases to deposits | 73.0200% | 3,585 |
| Net loans and leases to core deposits | 78.3458% | 3,547 |
| Total domestic deposits to total assets | 91.2671% | 153 |
| Equity capital to assets | 8.6153% | 4,864 |
| Core capital (leverage) ratio | 9.4034% | 4,231 |
| Tier 1 risk-based capital ratio | 13.1669% | 3,747 |
| Total risk-based capital ratio | 14.4202% | 3,632 |
| Memoranda: | ||
| Average total assets | $58,473,000 | 4,791 |
| Average earning assets | $53,238,800 | 4,798 |
| Average equity | $5,204,600 | 5,020 |
| Average total loans | $41,476,400 | 4,510 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5559% | 321 |
| Cost of funding earning assets | 0.1825% | 5,086 |
| Net interest margin | 5.3734% | 131 |
| Noninterest income to average assets | 0.2999% | 4,142 |
| Noninterest expense to average assets | 2.5080% | 3,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.6834% | 119 |
| Return on assets (ROA) | 2.6834% | 117 |
| Pretax return on assets | 2.6834% | 170 |
| Return on Equity (ROE) | 29.8931% | 40 |
| Retained earnings to average equity (ytd only) | 14.8051% | 186 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3111% | 5,037 |
| Assets per employee ($millions) | 8.9895% | 451 |
| Cash dividends to net income (ytd only)* | 50.4730% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 1,200 |
| Loan loss allowance to noncurrent loans | 148.8263% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.7898% | 1,879 |
| Noncurrent loans to loans | 1.0394% | 1,643 |
| Net loans and leases to total assets | 74.8151% | 1,853 |
| Net loans and leases to deposits | 83.7755% | 2,626 |
| Net loans and leases to core deposits | 90.3702% | 2,629 |
| Total domestic deposits to total assets | 89.3042% | 731 |
| Equity capital to assets | 10.4307% | 3,205 |
| Core capital (leverage) ratio | 9.9378% | 3,703 |
| Tier 1 risk-based capital ratio | 14.2474% | 3,247 |
| Total risk-based capital ratio | 15.5009% | 3,161 |
| Memoranda: | ||
| Average total assets | $57,787,000 | 4,853 |
| Average earning assets | $52,603,750 | 4,861 |
| Average equity | $5,187,250 | 5,081 |
| Average total loans | $41,487,750 | 4,555 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0391% | 750 |
| Cost of funding earning assets | 0.1708% | 5,151 |
| Net interest margin | 4.8682% | 323 |
| Noninterest income to average assets | 0.3183% | 4,050 |
| Noninterest expense to average assets | 2.4750% | 3,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.2820% | 216 |
| Return on assets (ROA) | 2.2820% | 212 |
| Pretax return on assets | 2.2820% | 340 |
| Return on Equity (ROE) | 26.7407% | 58 |
| Retained earnings to average equity (ytd only) | 3.4517% | 3,853 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0285% | 4,889 |
| Assets per employee ($millions) | 10.6922% | 263 |
| Cash dividends to net income (ytd only)* | 87.0920% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4877% | 1,436 |
| Loan loss allowance to noncurrent loans | 56.5566% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.7474% | 689 |
| Noncurrent loans to loans | 2.6305% | 471 |
| Net loans and leases to total assets | 65.4404% | 3,219 |
| Net loans and leases to deposits | 71.1958% | 3,767 |
| Net loans and leases to core deposits | 75.8825% | 3,751 |
| Total domestic deposits to total assets | 91.9162% | 97 |
| Equity capital to assets | 7.9232% | 5,252 |
| Core capital (leverage) ratio | 8.9818% | 4,704 |
| Tier 1 risk-based capital ratio | 11.4322% | 4,816 |
| Total risk-based capital ratio | 12.6827% | 4,725 |
| Memoranda: | ||
| Average total assets | $59,070,330 | 4,888 |
| Average earning assets | $53,859,330 | 4,898 |
| Average equity | $5,041,000 | 5,158 |
| Average total loans | $41,654,670 | 4,593 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2557% | 441 |
| Cost of funding earning assets | 0.1635% | 5,198 |
| Net interest margin | 5.0922% | 198 |
| Noninterest income to average assets | 0.4246% | 3,280 |
| Noninterest expense to average assets | 2.5615% | 3,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.4908% | 144 |
| Return on assets (ROA) | 2.4908% | 146 |
| Pretax return on assets | 2.4908% | 217 |
| Return on Equity (ROE) | 28.0478% | 56 |
| Retained earnings to average equity (ytd only) | 28.0478% | 26 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7003% | 5,045 |
| Assets per employee ($millions) | 9.7772% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 1,230 |
| Loan loss allowance to noncurrent loans | 93.6484% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.1540% | 1,333 |
| Noncurrent loans to loans | 1.6760% | 1,021 |
| Net loans and leases to total assets | 67.7753% | 2,790 |
| Net loans and leases to deposits | 74.4983% | 3,366 |
| Net loans and leases to core deposits | 79.6391% | 3,350 |
| Total domestic deposits to total assets | 90.9756% | 332 |
| Equity capital to assets | 8.8574% | 4,700 |
| Core capital (leverage) ratio | 9.3953% | 4,197 |
| Tier 1 risk-based capital ratio | 13.2271% | 3,832 |
| Total risk-based capital ratio | 14.4795% | 3,726 |
| Memoranda: | ||
| Average total assets | $56,529,000 | 4,987 |
| Average earning assets | $51,372,500 | 5,002 |
| Average equity | $5,020,000 | 5,215 |
| Average total loans | $41,174,000 | 4,658 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0444% | 594 |
| Cost of funding earning assets | 0.1552% | 5,232 |
| Net interest margin | 4.8892% | 287 |
| Noninterest income to average assets | 0.2562% | 4,601 |
| Noninterest expense to average assets | 3.0639% | 1,966 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.6566% | 577 |
| Return on assets (ROA) | 1.6566% | 594 |
| Pretax return on assets | 1.6566% | 1,132 |
| Return on Equity (ROE) | 19.9671% | 197 |
| Retained earnings to average equity (ytd only) | 3.4994% | 3,186 |
| Net charge-offs to loans | -0.2767% | 5,556 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9059% | 3,464 |
| Assets per employee ($millions) | 9.0658% | 441 |
| Cash dividends to net income (ytd only)* | 82.4742% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 1,372 |
| Loan loss allowance to noncurrent loans | 364.3678% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 3,596 |
| Noncurrent loans to loans | 0.4147% | 3,288 |
| Net loans and leases to total assets | 75.9647% | 1,602 |
| Net loans and leases to deposits | 84.0473% | 2,484 |
| Net loans and leases to core deposits | 90.3705% | 2,528 |
| Total domestic deposits to total assets | 90.3833% | 437 |
| Equity capital to assets | 8.9052% | 4,812 |
| Core capital (leverage) ratio | 8.1873% | 5,360 |
| Tier 1 risk-based capital ratio | 12.0011% | 4,524 |
| Total risk-based capital ratio | 13.2547% | 4,410 |
| Memoranda: | ||
| Average total assets | $58,553,000 | 4,993 |
| Average earning assets | $53,465,000 | 5,007 |
| Average equity | $4,858,000 | 5,295 |
| Average total loans | $41,203,800 | 4,691 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9066% | 752 |
| Cost of funding earning assets | 0.1517% | 5,303 |
| Net interest margin | 4.7548% | 372 |
| Noninterest income to average assets | 0.2662% | 4,606 |
| Noninterest expense to average assets | 2.3873% | 4,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.2262% | 205 |
| Return on assets (ROA) | 2.2262% | 205 |
| Pretax return on assets | 2.2262% | 344 |
| Return on Equity (ROE) | 27.2885% | 49 |
| Retained earnings to average equity (ytd only) | 11.7931% | 314 |
| Net charge-offs to loans | -0.0878% | 5,341 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7459% | 5,122 |
| Assets per employee ($millions) | 10.4023% | 275 |
| Cash dividends to net income (ytd only)* | 56.7837% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 2,348 |
| Loan loss allowance to noncurrent loans | 121.0177% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.7242% | 2,337 |
| Noncurrent loans to loans | 1.0756% | 1,790 |
| Net loans and leases to total assets | 66.4514% | 3,050 |
| Net loans and leases to deposits | 72.8258% | 3,686 |
| Net loans and leases to core deposits | 76.6934% | 3,753 |
| Total domestic deposits to total assets | 91.2472% | 136 |
| Equity capital to assets | 8.1761% | 5,448 |
| Core capital (leverage) ratio | 8.5903% | 5,175 |
| Tier 1 risk-based capital ratio | 12.7152% | 4,197 |
| Total risk-based capital ratio | 13.9661% | 4,091 |
| Memoranda: | ||
| Average total assets | $59,592,500 | 5,029 |
| Average earning assets | $54,483,500 | 5,039 |
| Average equity | $4,861,500 | 5,353 |
| Average total loans | $41,016,000 | 4,743 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8339% | 798 |
| Cost of funding earning assets | 0.1493% | 5,339 |
| Net interest margin | 4.6846% | 403 |
| Noninterest income to average assets | 0.3069% | 4,344 |
| Noninterest expense to average assets | 2.4790% | 3,817 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.1073% | 254 |
| Return on assets (ROA) | 2.1073% | 258 |
| Pretax return on assets | 2.1073% | 437 |
| Return on Equity (ROE) | 25.8523% | 69 |
| Retained earnings to average equity (ytd only) | 2.2171% | 4,350 |
| Net charge-offs to loans | -0.0442% | 5,122 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0520% | 5,014 |
| Assets per employee ($millions) | 11.6490% | 191 |
| Cash dividends to net income (ytd only)* | 91.4239% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 2,801 |
| Loan loss allowance to noncurrent loans | 116.2637% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 2,600 |
| Noncurrent loans to loans | 1.0612% | 1,851 |
| Net loans and leases to total assets | 60.5860% | 3,781 |
| Net loans and leases to deposits | 65.2873% | 4,276 |
| Net loans and leases to core deposits | 68.5843% | 4,322 |
| Total domestic deposits to total assets | 92.7991% | 35 |
| Equity capital to assets | 6.7631% | 5,721 |
| Core capital (leverage) ratio | 8.5348% | 5,189 |
| Tier 1 risk-based capital ratio | 11.5433% | 4,928 |
| Total risk-based capital ratio | 12.7937% | 4,823 |
| Memoranda: | ||
| Average total assets | $58,652,000 | 5,086 |
| Average earning assets | $53,579,670 | 5,094 |
| Average equity | $4,781,000 | 5,406 |
| Average total loans | $40,680,670 | 4,784 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1005% | 440 |
| Cost of funding earning assets | 0.1505% | 5,371 |
| Net interest margin | 4.9500% | 241 |
| Noninterest income to average assets | 0.3168% | 4,287 |
| Noninterest expense to average assets | 2.7606% | 2,922 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.0215% | 293 |
| Return on assets (ROA) | 2.0215% | 302 |
| Pretax return on assets | 2.0215% | 485 |
| Return on Equity (ROE) | 22.2962% | 141 |
| Retained earnings to average equity (ytd only) | 22.2962% | 72 |
| Net charge-offs to loans | -0.0404% | 5,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7287% | 4,748 |
| Assets per employee ($millions) | 8.4087% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 2,336 |
| Loan loss allowance to noncurrent loans | 286.3388% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 3,748 |
| Noncurrent loans to loans | 0.4681% | 3,415 |
| Net loans and leases to total assets | 76.4449% | 1,335 |
| Net loans and leases to deposits | 85.2501% | 2,121 |
| Net loans and leases to core deposits | 87.9905% | 2,547 |
| Total domestic deposits to total assets | 89.6714% | 811 |
| Equity capital to assets | 9.7954% | 3,981 |
| Core capital (leverage) ratio | 9.5520% | 4,051 |
| Tier 1 risk-based capital ratio | 13.3283% | 3,870 |
| Total risk-based capital ratio | 14.5797% | 3,785 |
| Memoranda: | ||
| Average total assets | $53,031,000 | 5,245 |
| Average earning assets | $47,838,000 | 5,253 |
| Average equity | $4,808,000 | 5,456 |
| Average total loans | $39,583,500 | 4,864 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7786% | 922 |
| Cost of funding earning assets | 0.1718% | 5,273 |
| Net interest margin | 4.6068% | 507 |
| Noninterest income to average assets | 0.3152% | 4,477 |
| Noninterest expense to average assets | 2.8935% | 2,692 |
| Loan and lease loss provision to assets | 0.1002% | 2,378 |
| Net operating income to assets | 1.5233% | 793 |
| Return on assets (ROA) | 1.5233% | 821 |
| Pretax return on assets | 1.5233% | 1,512 |
| Return on Equity (ROE) | 17.4771% | 365 |
| Retained earnings to average equity (ytd only) | 0.6690% | 5,059 |
| Net charge-offs to loans | -0.0104% | 4,944 |
| Credit loss provision to net charge-offs | -1,375.0000% | 5,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0581% | 3,929 |
| Assets per employee ($millions) | 9.2683% | 392 |
| Cash dividends to net income (ytd only)* | 96.1722% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 2,558 |
| Loan loss allowance to noncurrent loans | 278.0749% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 3,935 |
| Noncurrent loans to loans | 0.4666% | 3,485 |
| Net loans and leases to total assets | 71.1293% | 2,318 |
| Net loans and leases to deposits | 79.3289% | 2,961 |
| Net loans and leases to core deposits | 81.6341% | 3,239 |
| Total domestic deposits to total assets | 89.6637% | 783 |
| Equity capital to assets | 8.4050% | 5,342 |
| Core capital (leverage) ratio | 8.1602% | 5,525 |
| Tier 1 risk-based capital ratio | 11.6344% | 4,964 |
| Total risk-based capital ratio | 12.8840% | 4,871 |
| Memoranda: | ||
| Average total assets | $54,881,400 | 5,246 |
| Average earning assets | $50,056,200 | 5,251 |
| Average equity | $4,783,400 | 5,506 |
| Average total loans | $38,638,200 | 4,924 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6856% | 1,097 |
| Cost of funding earning assets | 0.1788% | 5,274 |
| Net interest margin | 4.5068% | 617 |
| Noninterest income to average assets | 0.3144% | 4,518 |
| Noninterest expense to average assets | 2.3229% | 4,482 |
| Loan and lease loss provision to assets | 0.1341% | 1,750 |
| Net operating income to assets | 1.9744% | 355 |
| Return on assets (ROA) | 1.9744% | 368 |
| Pretax return on assets | 1.9744% | 609 |
| Return on Equity (ROE) | 22.4491% | 148 |
| Retained earnings to average equity (ytd only) | 6.6516% | 1,814 |
| Net charge-offs to loans | 0.0035% | 3,806 |
| Credit loss provision to net charge-offs | 5,500.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 867.1429% | 103 |
| Efficiency ratio | 52.4202% | 5,355 |
| Assets per employee ($millions) | 9.3812% | 363 |
| Cash dividends to net income (ytd only)* | 70.3705% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 2,686 |
| Loan loss allowance to noncurrent loans | 244.0758% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 3,923 |
| Noncurrent loans to loans | 0.5329% | 3,398 |
| Net loans and leases to total assets | 69.4228% | 2,584 |
| Net loans and leases to deposits | 76.5101% | 3,351 |
| Net loans and leases to core deposits | 78.6998% | 3,590 |
| Total domestic deposits to total assets | 90.7368% | 265 |
| Equity capital to assets | 8.6734% | 5,419 |
| Core capital (leverage) ratio | 8.3685% | 5,451 |
| Tier 1 risk-based capital ratio | 13.3742% | 3,936 |
| Total risk-based capital ratio | 14.6262% | 3,846 |
| Memoranda: | ||
| Average total assets | $54,699,250 | 5,297 |
| Average earning assets | $49,967,500 | 5,299 |
| Average equity | $4,810,750 | 5,552 |
| Average total loans | $38,279,000 | 4,984 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6639% | 1,135 |
| Cost of funding earning assets | 0.1778% | 5,345 |
| Net interest margin | 4.4861% | 635 |
| Noninterest income to average assets | 0.3286% | 4,429 |
| Noninterest expense to average assets | 2.2854% | 4,649 |
| Loan and lease loss provision to assets | 0.2031% | 1,056 |
| Net operating income to assets | 1.9383% | 372 |
| Return on assets (ROA) | 1.9383% | 391 |
| Pretax return on assets | 1.9383% | 649 |
| Return on Equity (ROE) | 21.9344% | 158 |
| Retained earnings to average equity (ytd only) | -1.8801% | 5,525 |
| Net charge-offs to loans | 0.0317% | 2,828 |
| Credit loss provision to net charge-offs | 916.6667% | 402 |
| Earnings coverage of net charge-offs (x) | 96.6667% | 599 |
| Efficiency ratio | 51.6264% | 5,466 |
| Assets per employee ($millions) | 10.7880% | 218 |
| Cash dividends to net income (ytd only)* | 108.5714% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 2,664 |
| Loan loss allowance to noncurrent loans | 257.5758% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.3059% | 4,281 |
| Noncurrent loans to loans | 0.5133% | 3,548 |
| Net loans and leases to total assets | 58.8092% | 4,034 |
| Net loans and leases to deposits | 63.7312% | 4,511 |
| Net loans and leases to core deposits | 66.3252% | 4,583 |
| Total domestic deposits to total assets | 92.2769% | 69 |
| Equity capital to assets | 7.2442% | 5,945 |
| Core capital (leverage) ratio | 8.4656% | 5,393 |
| Tier 1 risk-based capital ratio | 13.2383% | 4,052 |
| Total risk-based capital ratio | 14.4890% | 3,969 |
| Memoranda: | ||
| Average total assets | $54,170,000 | 5,369 |
| Average earning assets | $49,486,330 | 5,364 |
| Average equity | $4,787,000 | 5,613 |
| Average total loans | $37,841,670 | 5,046 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9581% | 628 |
| Cost of funding earning assets | 0.1972% | 5,231 |
| Net interest margin | 4.7608% | 389 |
| Noninterest income to average assets | 0.3763% | 4,020 |
| Noninterest expense to average assets | 2.3481% | 4,524 |
| Loan and lease loss provision to assets | 0.4254% | 315 |
| Net operating income to assets | 1.9472% | 368 |
| Return on assets (ROA) | 1.9472% | 390 |
| Pretax return on assets | 1.9472% | 633 |
| Return on Equity (ROE) | 19.6857% | 263 |
| Retained earnings to average equity (ytd only) | 19.6857% | 102 |
| Net charge-offs to loans | 0.1067% | 1,488 |
| Credit loss provision to net charge-offs | 520.0000% | 589 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,199 |
| Efficiency ratio | 49.7400% | 5,646 |
| Assets per employee ($millions) | 8.4090% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 2,615 |
| Loan loss allowance to noncurrent loans | 229.6804% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.4341% | 3,849 |
| Noncurrent loans to loans | 0.5915% | 3,419 |
| Net loans and leases to total assets | 72.3887% | 1,969 |
| Net loans and leases to deposits | 80.7781% | 2,695 |
| Net loans and leases to core deposits | 84.6694% | 2,877 |
| Total domestic deposits to total assets | 89.6143% | 774 |
| Equity capital to assets | 9.8208% | 4,311 |
| Core capital (leverage) ratio | 10.5466% | 2,909 |
| Tier 1 risk-based capital ratio | 14.5787% | 3,350 |
| Total risk-based capital ratio | 15.8291% | 3,291 |
| Memoranda: | ||
| Average total assets | $48,891,000 | 5,532 |
| Average earning assets | $44,614,000 | 5,537 |
| Average equity | $4,836,000 | 5,652 |
| Average total loans | $37,474,500 | 5,097 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0353% | 582 |
| Cost of funding earning assets | 0.2132% | 5,162 |
| Net interest margin | 4.8221% | 353 |
| Noninterest income to average assets | 0.3932% | 4,079 |
| Noninterest expense to average assets | 3.2792% | 1,764 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5388% | 799 |
| Return on assets (ROA) | 1.5388% | 826 |
| Pretax return on assets | 1.5388% | 1,438 |
| Return on Equity (ROE) | 16.1432% | 545 |
| Retained earnings to average equity (ytd only) | -0.4816% | 5,588 |
| Net charge-offs to loans | -0.0188% | 5,253 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0613% | 3,564 |
| Assets per employee ($millions) | 7.8880% | 587 |
| Cash dividends to net income (ytd only)* | 102.9831% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2183% | 3,366 |
| Loan loss allowance to noncurrent loans | 209.0498% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.4670% | 3,747 |
| Noncurrent loans to loans | 0.5828% | 3,426 |
| Net loans and leases to total assets | 79.1519% | 968 |
| Net loans and leases to deposits | 88.6085% | 1,797 |
| Net loans and leases to core deposits | 92.2617% | 2,193 |
| Total domestic deposits to total assets | 89.3277% | 948 |
| Equity capital to assets | 9.9666% | 4,000 |
| Core capital (leverage) ratio | 9.7985% | 3,781 |
| Tier 1 risk-based capital ratio | 13.3237% | 4,091 |
| Total risk-based capital ratio | 14.5750% | 4,038 |
| Memoranda: | ||
| Average total assets | $50,103,400 | 5,536 |
| Average earning assets | $45,975,600 | 5,530 |
| Average equity | $4,776,000 | 5,708 |
| Average total loans | $37,145,000 | 5,114 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8736% | 815 |
| Cost of funding earning assets | 0.2144% | 5,241 |
| Net interest margin | 4.6592% | 485 |
| Noninterest income to average assets | 0.3701% | 4,284 |
| Noninterest expense to average assets | 2.8374% | 3,047 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8111% | 508 |
| Return on assets (ROA) | 1.8111% | 531 |
| Pretax return on assets | 1.8111% | 880 |
| Return on Equity (ROE) | 19.2033% | 323 |
| Retained earnings to average equity (ytd only) | 3.3953% | 4,053 |
| Net charge-offs to loans | -0.0108% | 5,016 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0390% | 4,724 |
| Assets per employee ($millions) | 8.1202% | 509 |
| Cash dividends to net income (ytd only)* | 82.3181% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 3,694 |
| Loan loss allowance to noncurrent loans | 187.8151% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 3,859 |
| Noncurrent loans to loans | 0.6359% | 3,413 |
| Net loans and leases to total assets | 75.9057% | 1,398 |
| Net loans and leases to deposits | 86.7186% | 2,061 |
| Net loans and leases to core deposits | 90.2550% | 2,438 |
| Total domestic deposits to total assets | 87.5310% | 1,789 |
| Equity capital to assets | 9.9793% | 4,177 |
| Core capital (leverage) ratio | 9.9988% | 3,624 |
| Tier 1 risk-based capital ratio | 14.3770% | 3,640 |
| Total risk-based capital ratio | 15.6278% | 3,555 |
| Memoranda: | ||
| Average total assets | $50,797,250 | 5,596 |
| Average earning assets | $46,644,750 | 5,580 |
| Average equity | $4,790,750 | 5,779 |
| Average total loans | $36,950,500 | 5,175 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7676% | 953 |
| Cost of funding earning assets | 0.2202% | 5,253 |
| Net interest margin | 4.5474% | 577 |
| Noninterest income to average assets | 0.3807% | 4,228 |
| Noninterest expense to average assets | 2.9093% | 2,867 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6431% | 692 |
| Return on assets (ROA) | 1.6431% | 721 |
| Pretax return on assets | 1.6431% | 1,211 |
| Return on Equity (ROE) | 17.7470% | 427 |
| Retained earnings to average equity (ytd only) | -6.0835% | 6,061 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9078% | 4,374 |
| Assets per employee ($millions) | 8.8788% | 388 |
| Cash dividends to net income (ytd only)* | 134.2790% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 3,607 |
| Loan loss allowance to noncurrent loans | 172.7626% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.5575% | 3,753 |
| Noncurrent loans to loans | 0.7135% | 3,349 |
| Net loans and leases to total assets | 66.7787% | 2,824 |
| Net loans and leases to deposits | 73.6573% | 3,530 |
| Net loans and leases to core deposits | 76.7331% | 3,697 |
| Total domestic deposits to total assets | 90.6613% | 396 |
| Equity capital to assets | 8.6254% | 5,582 |
| Core capital (leverage) ratio | 9.3640% | 4,472 |
| Tier 1 risk-based capital ratio | 13.9475% | 3,963 |
| Total risk-based capital ratio | 15.2011% | 3,896 |
| Memoranda: | ||
| Average total assets | $51,489,330 | 5,646 |
| Average earning assets | $47,235,670 | 5,628 |
| Average equity | $4,767,000 | 5,837 |
| Average total loans | $36,791,000 | 5,230 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7998% | 865 |
| Cost of funding earning assets | 0.2422% | 5,105 |
| Net interest margin | 4.5576% | 543 |
| Noninterest income to average assets | 0.3874% | 4,109 |
| Noninterest expense to average assets | 2.7669% | 3,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7866% | 489 |
| Return on assets (ROA) | 1.7866% | 516 |
| Pretax return on assets | 1.7866% | 885 |
| Return on Equity (ROE) | 18.6277% | 342 |
| Retained earnings to average equity (ytd only) | 18.6277% | 128 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7639% | 4,993 |
| Assets per employee ($millions) | 8.6312% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 3,986 |
| Loan loss allowance to noncurrent loans | 82.8413% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 1.4251% | 1,858 |
| Noncurrent loans to loans | 1.4480% | 1,968 |
| Net loans and leases to total assets | 71.4117% | 1,914 |
| Net loans and leases to deposits | 80.5059% | 2,507 |
| Net loans and leases to core deposits | 84.0404% | 2,768 |
| Total domestic deposits to total assets | 88.7037% | 1,449 |
| Equity capital to assets | 9.5893% | 4,645 |
| Core capital (leverage) ratio | 10.6129% | 2,838 |
| Tier 1 risk-based capital ratio | 14.6997% | 3,608 |
| Total risk-based capital ratio | 15.9518% | 3,529 |
| Memoranda: | ||
| Average total assets | $50,597,500 | 5,710 |
| Average earning assets | $46,252,000 | 5,700 |
| Average equity | $4,853,000 | 5,868 |
| Average total loans | $37,177,000 | 5,236 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1444% | 578 |
| Cost of funding earning assets | 0.2853% | 4,949 |
| Net interest margin | 4.8591% | 388 |
| Noninterest income to average assets | 0.3862% | 4,290 |
| Noninterest expense to average assets | 3.2976% | 1,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5218% | 838 |
| Return on assets (ROA) | 1.5218% | 870 |
| Pretax return on assets | 1.5218% | 1,470 |
| Return on Equity (ROE) | 15.6520% | 669 |
| Retained earnings to average equity (ytd only) | 3.8212% | 3,496 |
| Net charge-offs to loans | 0.0575% | 3,683 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 34.5238% | 1,209 |
| Efficiency ratio | 68.4233% | 3,821 |
| Assets per employee ($millions) | 8.2347% | 489 |
| Cash dividends to net income (ytd only)* | 75.5862% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4056% | 2,924 |
| Loan loss allowance to noncurrent loans | 91.6961% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.3358% | 2,104 |
| Noncurrent loans to loans | 1.5329% | 1,916 |
| Net loans and leases to total assets | 73.6804% | 1,642 |
| Net loans and leases to deposits | 82.3378% | 2,431 |
| Net loans and leases to core deposits | 86.0920% | 2,681 |
| Total domestic deposits to total assets | 89.4855% | 980 |
| Equity capital to assets | 9.5936% | 4,598 |
| Core capital (leverage) ratio | 9.5451% | 4,178 |
| Tier 1 risk-based capital ratio | 14.4393% | 3,809 |
| Total risk-based capital ratio | 15.6914% | 3,745 |
| Memoranda: | ||
| Average total assets | $47,640,800 | 5,838 |
| Average earning assets | $43,464,800 | 5,840 |
| Average equity | $4,632,000 | 5,950 |
| Average total loans | $36,514,000 | 5,310 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1359% | 596 |
| Cost of funding earning assets | 0.2877% | 5,016 |
| Net interest margin | 4.8482% | 382 |
| Noninterest income to average assets | 0.3927% | 4,303 |
| Noninterest expense to average assets | 2.8644% | 3,245 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9548% | 377 |
| Return on assets (ROA) | 1.9548% | 385 |
| Pretax return on assets | 1.9548% | 635 |
| Return on Equity (ROE) | 20.0356% | 283 |
| Retained earnings to average equity (ytd only) | 4.1694% | 3,685 |
| Net charge-offs to loans | 0.0915% | 2,905 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 27.6820% | 1,442 |
| Efficiency ratio | 59.4373% | 5,258 |
| Assets per employee ($millions) | 8.9528% | 344 |
| Cash dividends to net income (ytd only)* | 79.1912% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3874% | 3,239 |
| Loan loss allowance to noncurrent loans | 88.7931% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.5377% | 1,998 |
| Noncurrent loans to loans | 1.5625% | 2,082 |
| Net loans and leases to total assets | 68.1442% | 2,514 |
| Net loans and leases to deposits | 75.3810% | 3,259 |
| Net loans and leases to core deposits | 78.5819% | 3,484 |
| Total domestic deposits to total assets | 90.3997% | 569 |
| Equity capital to assets | 8.6453% | 5,681 |
| Core capital (leverage) ratio | 9.5721% | 4,278 |
| Tier 1 risk-based capital ratio | 13.8871% | 4,295 |
| Total risk-based capital ratio | 15.1401% | 4,237 |
| Memoranda: | ||
| Average total assets | $47,199,000 | 5,922 |
| Average earning assets | $43,094,250 | 5,919 |
| Average equity | $4,605,000 | 6,018 |
| Average total loans | $36,411,750 | 5,369 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2830% | 442 |
| Cost of funding earning assets | 0.3030% | 4,943 |
| Net interest margin | 4.9800% | 295 |
| Noninterest income to average assets | 0.4486% | 3,882 |
| Noninterest expense to average assets | 2.9982% | 2,835 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.9766% | 353 |
| Return on assets (ROA) | 1.9766% | 365 |
| Pretax return on assets | 1.9766% | 585 |
| Return on Equity (ROE) | 19.3815% | 326 |
| Retained earnings to average equity (ytd only) | -4.4861% | 6,201 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2679% | 5,257 |
| Assets per employee ($millions) | 7.9452% | 509 |
| Cash dividends to net income (ytd only)* | 123.1461% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 3,131 |
| Loan loss allowance to noncurrent loans | 99.6310% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.6509% | 1,973 |
| Noncurrent loans to loans | 1.4511% | 2,379 |
| Net loans and leases to total assets | 77.2189% | 1,023 |
| Net loans and leases to deposits | 85.3588% | 1,880 |
| Net loans and leases to core deposits | 89.4622% | 2,176 |
| Total domestic deposits to total assets | 90.4638% | 601 |
| Equity capital to assets | 9.3558% | 4,910 |
| Core capital (leverage) ratio | 10.0011% | 3,609 |
| Tier 1 risk-based capital ratio | 13.2624% | 4,747 |
| Total risk-based capital ratio | 14.5172% | 4,677 |
| Memoranda: | ||
| Average total assets | $45,026,330 | 6,029 |
| Average earning assets | $40,924,000 | 6,024 |
| Average equity | $4,592,000 | 6,061 |
| Average total loans | $36,175,670 | 5,413 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2281% | 464 |
| Cost of funding earning assets | 0.3129% | 4,942 |
| Net interest margin | 4.9152% | 314 |
| Noninterest income to average assets | 0.4119% | 4,091 |
| Noninterest expense to average assets | 3.1301% | 2,440 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7390% | 534 |
| Return on assets (ROA) | 1.7390% | 551 |
| Pretax return on assets | 1.7390% | 896 |
| Return on Equity (ROE) | 16.3160% | 609 |
| Retained earnings to average equity (ytd only) | 16.3160% | 257 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2857% | 4,814 |
| Assets per employee ($millions) | 7.2585% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 3,120 |
| Loan loss allowance to noncurrent loans | 73.4694% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 2.2824% | 1,437 |
| Noncurrent loans to loans | 2.0505% | 1,810 |
| Net loans and leases to total assets | 81.0659% | 456 |
| Net loans and leases to deposits | 91.1285% | 1,025 |
| Net loans and leases to core deposits | 97.4792% | 1,278 |
| Total domestic deposits to total assets | 88.9578% | 1,688 |
| Equity capital to assets | 10.9136% | 2,804 |
| Core capital (leverage) ratio | 10.8151% | 2,579 |
| Tier 1 risk-based capital ratio | 14.5028% | 4,007 |
| Total risk-based capital ratio | 15.7569% | 3,958 |
| Memoranda: | ||
| Average total assets | $43,704,000 | 6,125 |
| Average earning assets | $39,632,000 | 6,111 |
| Average equity | $4,658,000 | 6,079 |
| Average total loans | $35,588,000 | 5,480 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1816% | 668 |
| Cost of funding earning assets | 0.3630% | 5,019 |
| Net interest margin | 4.8186% | 416 |
| Noninterest income to average assets | 0.5188% | 3,641 |
| Noninterest expense to average assets | 3.3293% | 2,053 |
| Loan and lease loss provision to assets | 0.1479% | 2,435 |
| Net operating income to assets | 1.4372% | 943 |
| Return on assets (ROA) | 1.4372% | 982 |
| Pretax return on assets | 1.4372% | 1,662 |
| Return on Equity (ROE) | 14.1583% | 915 |
| Retained earnings to average equity (ytd only) | 1.1092% | 5,333 |
| Net charge-offs to loans | 0.3536% | 1,910 |
| Credit loss provision to net charge-offs | 54.0323% | 3,728 |
| Earnings coverage of net charge-offs (x) | 5.7903% | 3,218 |
| Efficiency ratio | 67.7448% | 4,247 |
| Assets per employee ($millions) | 6.2653% | 1,102 |
| Cash dividends to net income (ytd only)* | 92.1659% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 3,056 |
| Loan loss allowance to noncurrent loans | 72.7763% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 2.1889% | 1,634 |
| Noncurrent loans to loans | 2.1001% | 1,881 |
| Net loans and leases to total assets | 79.3283% | 668 |
| Net loans and leases to deposits | 88.6079% | 1,398 |
| Net loans and leases to core deposits | 96.6766% | 1,407 |
| Total domestic deposits to total assets | 89.5273% | 1,315 |
| Equity capital to assets | 10.4043% | 3,280 |
| Core capital (leverage) ratio | 10.1245% | 3,396 |
| Tier 1 risk-based capital ratio | 13.9909% | 4,304 |
| Total risk-based capital ratio | 15.2450% | 4,238 |
| Memoranda: | ||
| Average total assets | $45,295,400 | 6,143 |
| Average earning assets | $41,319,000 | 6,134 |
| Average equity | $4,598,000 | 6,173 |
| Average total loans | $35,069,400 | 5,535 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1377% | 725 |
| Cost of funding earning assets | 0.3640% | 5,150 |
| Net interest margin | 4.7737% | 453 |
| Noninterest income to average assets | 0.5403% | 3,521 |
| Noninterest expense to average assets | 2.9496% | 3,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.9567% | 395 |
| Return on assets (ROA) | 1.9567% | 407 |
| Pretax return on assets | 1.9567% | 637 |
| Return on Equity (ROE) | 19.3913% | 344 |
| Retained earnings to average equity (ytd only) | 2.0259% | 5,115 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1190% | 5,415 |
| Assets per employee ($millions) | 6.3529% | 1,000 |
| Cash dividends to net income (ytd only)* | 89.5523% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7498% | 2,451 |
| Loan loss allowance to noncurrent loans | 113.9313% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 1.9721% | 2,052 |
| Noncurrent loans to loans | 1.5358% | 2,864 |
| Net loans and leases to total assets | 75.3812% | 1,085 |
| Net loans and leases to deposits | 84.2388% | 1,851 |
| Net loans and leases to core deposits | 94.5587% | 1,519 |
| Total domestic deposits to total assets | 89.4850% | 1,310 |
| Equity capital to assets | 10.3036% | 3,506 |
| Core capital (leverage) ratio | 10.1347% | 3,481 |
| Tier 1 risk-based capital ratio | 14.1450% | 4,325 |
| Total risk-based capital ratio | 15.4015% | 4,270 |
| Memoranda: | ||
| Average total assets | $45,655,000 | 6,201 |
| Average earning assets | $41,755,250 | 6,187 |
| Average equity | $4,606,750 | 6,245 |
| Average total loans | $35,004,000 | 5,588 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1382% | 712 |
| Cost of funding earning assets | 0.3653% | 5,261 |
| Net interest margin | 4.7729% | 451 |
| Noninterest income to average assets | 0.3518% | 4,873 |
| Noninterest expense to average assets | 2.9186% | 3,274 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8024% | 518 |
| Return on assets (ROA) | 1.8024% | 556 |
| Pretax return on assets | 1.8024% | 921 |
| Return on Equity (ROE) | 17.9848% | 458 |
| Retained earnings to average equity (ytd only) | -8.0173% | 6,610 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8215% | 5,198 |
| Assets per employee ($millions) | 7.7782% | 498 |
| Cash dividends to net income (ytd only)* | 144.5783% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6770% | 2,868 |
| Loan loss allowance to noncurrent loans | 79.6000% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 2.5092% | 1,690 |
| Noncurrent loans to loans | 2.1068% | 2,275 |
| Net loans and leases to total assets | 75.0005% | 1,105 |
| Net loans and leases to deposits | 82.9766% | 1,931 |
| Net loans and leases to core deposits | 91.2532% | 1,785 |
| Total domestic deposits to total assets | 90.3876% | 814 |
| Equity capital to assets | 9.4645% | 4,629 |
| Core capital (leverage) ratio | 9.9556% | 3,581 |
| Tier 1 risk-based capital ratio | 13.0626% | 5,094 |
| Total risk-based capital ratio | 14.3195% | 5,032 |
| Memoranda: | ||
| Average total assets | $46,050,000 | 6,230 |
| Average earning assets | $42,155,000 | 6,217 |
| Average equity | $4,615,000 | 6,291 |
| Average total loans | $35,299,000 | 5,609 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2033% | 598 |
| Cost of funding earning assets | 0.3826% | 5,260 |
| Net interest margin | 4.8207% | 387 |
| Noninterest income to average assets | 0.3498% | 4,880 |
| Noninterest expense to average assets | 2.7984% | 3,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9589% | 370 |
| Return on assets (ROA) | 1.9589% | 399 |
| Pretax return on assets | 1.9589% | 639 |
| Return on Equity (ROE) | 19.0072% | 358 |
| Retained earnings to average equity (ytd only) | 19.0072% | 167 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8235% | 5,740 |
| Assets per employee ($millions) | 7.4640% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7399% | 2,841 |
| Loan loss allowance to noncurrent loans | 110.5556% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 2.1459% | 2,188 |
| Noncurrent loans to loans | 1.5737% | 3,174 |
| Net loans and leases to total assets | 75.2858% | 927 |
| Net loans and leases to deposits | 84.4674% | 1,539 |
| Net loans and leases to core deposits | 102.6518% | 794 |
| Total domestic deposits to total assets | 89.1300% | 1,607 |
| Equity capital to assets | 10.7762% | 3,224 |
| Core capital (leverage) ratio | 10.8071% | 2,449 |
| Tier 1 risk-based capital ratio | 14.7152% | 4,027 |
| Total risk-based capital ratio | 15.9715% | 3,993 |
| Memoranda: | ||
| Average total assets | $45,740,500 | 6,295 |
| Average earning assets | $41,819,500 | 6,287 |
| Average equity | $4,714,000 | 6,330 |
| Average total loans | $35,149,000 | 5,658 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1654% | 1,180 |
| Cost of funding earning assets | 0.5101% | 5,147 |
| Net interest margin | 4.6553% | 705 |
| Noninterest income to average assets | 0.3833% | 4,727 |
| Noninterest expense to average assets | 2.8735% | 3,748 |
| Loan and lease loss provision to assets | 0.3594% | 1,850 |
| Net operating income to assets | 1.4278% | 1,054 |
| Return on assets (ROA) | 1.4278% | 1,168 |
| Pretax return on assets | 1.4278% | 1,945 |
| Return on Equity (ROE) | 16.7054% | 569 |
| Retained earnings to average equity (ytd only) | 14.9861% | 159 |
| Net charge-offs to loans | 0.4779% | 2,328 |
| Credit loss provision to net charge-offs | 102.8409% | 2,920 |
| Earnings coverage of net charge-offs (x) | 5.1136% | 3,148 |
| Efficiency ratio | 61.6532% | 5,290 |
| Assets per employee ($millions) | 7.7828% | 556 |
| Cash dividends to net income (ytd only)* | 10.2921% | 4,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6590% | 3,089 |
| Loan loss allowance to noncurrent loans | 41.8360% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 3.4199% | 1,336 |
| Noncurrent loans to loans | 3.9655% | 1,192 |
| Net loans and leases to total assets | 75.7822% | 948 |
| Net loans and leases to deposits | 84.1070% | 1,742 |
| Net loans and leases to core deposits | 93.2244% | 1,529 |
| Total domestic deposits to total assets | 90.1021% | 897 |
| Equity capital to assets | 9.8550% | 4,371 |
| Core capital (leverage) ratio | 9.8630% | 3,588 |
| Tier 1 risk-based capital ratio | 13.5138% | 4,742 |
| Total risk-based capital ratio | 14.7707% | 4,691 |
| Memoranda: | ||
| Average total assets | $50,356,600 | 6,203 |
| Average earning assets | $46,269,600 | 6,170 |
| Average equity | $4,304,000 | 6,493 |
| Average total loans | $36,826,400 | 5,645 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1553% | 1,283 |
| Cost of funding earning assets | 0.5351% | 5,212 |
| Net interest margin | 4.6202% | 785 |
| Noninterest income to average assets | 0.3719% | 4,855 |
| Noninterest expense to average assets | 2.6343% | 4,622 |
| Loan and lease loss provision to assets | 0.3511% | 1,857 |
| Net operating income to assets | 1.6305% | 791 |
| Return on assets (ROA) | 1.6305% | 874 |
| Pretax return on assets | 1.6305% | 1,475 |
| Return on Equity (ROE) | 19.7655% | 341 |
| Retained earnings to average equity (ytd only) | 17.4326% | 137 |
| Net charge-offs to loans | 0.4536% | 2,291 |
| Credit loss provision to net charge-offs | 107.1429% | 2,742 |
| Earnings coverage of net charge-offs (x) | 6.0474% | 2,861 |
| Efficiency ratio | 57.0704% | 5,908 |
| Assets per employee ($millions) | 8.4303% | 409 |
| Cash dividends to net income (ytd only)* | 11.8017% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6732% | 3,243 |
| Loan loss allowance to noncurrent loans | 34.6998% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 3.7602% | 1,312 |
| Noncurrent loans to loans | 4.8218% | 953 |
| Net loans and leases to total assets | 69.8252% | 1,943 |
| Net loans and leases to deposits | 76.8523% | 2,847 |
| Net loans and leases to core deposits | 82.6485% | 2,880 |
| Total domestic deposits to total assets | 90.8564% | 449 |
| Equity capital to assets | 8.9162% | 5,907 |
| Core capital (leverage) ratio | 9.5009% | 4,268 |
| Tier 1 risk-based capital ratio | 13.0102% | 5,245 |
| Total risk-based capital ratio | 14.2651% | 5,197 |
| Memoranda: | ||
| Average total assets | $51,271,500 | 6,243 |
| Average earning assets | $47,096,250 | 6,217 |
| Average equity | $4,229,500 | 6,594 |
| Average total loans | $37,036,750 | 5,701 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2100% | 1,220 |
| Cost of funding earning assets | 0.5925% | 4,961 |
| Net interest margin | 4.6175% | 797 |
| Noninterest income to average assets | 0.3417% | 5,100 |
| Noninterest expense to average assets | 2.6718% | 4,530 |
| Loan and lease loss provision to assets | 0.5243% | 1,193 |
| Net operating income to assets | 1.3825% | 1,225 |
| Return on assets (ROA) | 1.3825% | 1,373 |
| Pretax return on assets | 1.3825% | 2,272 |
| Return on Equity (ROE) | 17.2147% | 610 |
| Retained earnings to average equity (ytd only) | 13.6364% | 375 |
| Net charge-offs to loans | 0.6736% | 1,641 |
| Credit loss provision to net charge-offs | 107.1429% | 2,542 |
| Earnings coverage of net charge-offs (x) | 3.8968% | 3,238 |
| Efficiency ratio | 58.3545% | 5,824 |
| Assets per employee ($millions) | 8.3520% | 403 |
| Cash dividends to net income (ytd only)* | 20.7865% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6305% | 3,496 |
| Loan loss allowance to noncurrent loans | 62.3444% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 3.0452% | 1,803 |
| Noncurrent loans to loans | 2.6153% | 2,298 |
| Net loans and leases to total assets | 72.3559% | 1,502 |
| Net loans and leases to deposits | 79.1992% | 2,496 |
| Net loans and leases to core deposits | 86.6404% | 2,341 |
| Total domestic deposits to total assets | 91.3594% | 342 |
| Equity capital to assets | 8.4591% | 6,252 |
| Core capital (leverage) ratio | 8.6390% | 5,462 |
| Tier 1 risk-based capital ratio | 12.6795% | 5,431 |
| Total risk-based capital ratio | 13.9358% | 5,407 |
| Memoranda: | ||
| Average total assets | $51,501,330 | 6,275 |
| Average earning assets | $47,255,330 | 6,254 |
| Average equity | $4,136,000 | 6,646 |
| Average total loans | $37,409,000 | 5,711 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1486% | 1,435 |
| Cost of funding earning assets | 0.6415% | 4,810 |
| Net interest margin | 4.5071% | 1,000 |
| Noninterest income to average assets | 0.3295% | 5,226 |
| Noninterest expense to average assets | 2.5596% | 4,960 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9159% | 483 |
| Return on assets (ROA) | 1.9159% | 554 |
| Pretax return on assets | 1.9159% | 850 |
| Return on Equity (ROE) | 24.4828% | 200 |
| Retained earnings to average equity (ytd only) | 17.2359% | 295 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1918% | 6,018 |
| Assets per employee ($millions) | 8.7463% | 356 |
| Cash dividends to net income (ytd only)* | 29.6000% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5690% | 3,852 |
| Loan loss allowance to noncurrent loans | 89.0226% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 2.3915% | 2,481 |
| Noncurrent loans to loans | 1.7625% | 3,466 |
| Net loans and leases to total assets | 70.7687% | 1,619 |
| Net loans and leases to deposits | 77.0098% | 2,676 |
| Net loans and leases to core deposits | 86.7832% | 2,200 |
| Total domestic deposits to total assets | 91.8957% | 285 |
| Equity capital to assets | 7.9519% | 6,550 |
| Core capital (leverage) ratio | 8.2191% | 6,001 |
| Tier 1 risk-based capital ratio | 12.3116% | 5,748 |
| Total risk-based capital ratio | 13.5684% | 5,704 |
| Memoranda: | ||
| Average total assets | $52,196,000 | 6,297 |
| Average earning assets | $48,013,000 | 6,276 |
| Average equity | $4,084,500 | 6,697 |
| Average total loans | $37,683,500 | 5,747 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5299% | 1,096 |
| Cost of funding earning assets | 0.9389% | 3,794 |
| Net interest margin | 4.5910% | 939 |
| Noninterest income to average assets | 0.3233% | 5,230 |
| Noninterest expense to average assets | 3.1535% | 3,015 |
| Loan and lease loss provision to assets | 0.6233% | 1,645 |
| Net operating income to assets | 0.7850% | 3,112 |
| Return on assets (ROA) | 0.7850% | 3,274 |
| Pretax return on assets | 0.7850% | 4,032 |
| Return on Equity (ROE) | 10.2399% | 1,975 |
| Retained earnings to average equity (ytd only) | 6.4539% | 1,770 |
| Net charge-offs to loans | 0.9141% | 1,900 |
| Credit loss provision to net charge-offs | 88.6427% | 4,073 |
| Earnings coverage of net charge-offs (x) | 2.0028% | 4,280 |
| Efficiency ratio | 69.1289% | 4,126 |
| Assets per employee ($millions) | 8.6523% | 368 |
| Cash dividends to net income (ytd only)* | 36.9727% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5729% | 3,692 |
| Loan loss allowance to noncurrent loans | 125.4237% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 1.2367% | 4,163 |
| Noncurrent loans to loans | 1.2541% | 4,272 |
| Net loans and leases to total assets | 71.3584% | 1,759 |
| Net loans and leases to deposits | 77.4174% | 2,933 |
| Net loans and leases to core deposits | 88.1227% | 2,361 |
| Total domestic deposits to total assets | 92.1736% | 216 |
| Equity capital to assets | 7.6973% | 6,726 |
| Core capital (leverage) ratio | 7.7588% | 6,485 |
| Tier 1 risk-based capital ratio | 11.6549% | 6,056 |
| Total risk-based capital ratio | 12.9120% | 6,037 |
| Memoranda: | ||
| Average total assets | $51,340,400 | 6,328 |
| Average earning assets | $47,397,200 | 6,274 |
| Average equity | $3,935,600 | 6,771 |
| Average total loans | $39,493,400 | 5,717 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5375% | 1,164 |
| Cost of funding earning assets | 0.9935% | 3,730 |
| Net interest margin | 4.5440% | 1,057 |
| Noninterest income to average assets | 0.3021% | 5,449 |
| Noninterest expense to average assets | 2.9116% | 3,878 |
| Loan and lease loss provision to assets | 0.4427% | 2,261 |
| Net operating income to assets | 1.1407% | 1,835 |
| Return on assets (ROA) | 1.1407% | 1,958 |
| Pretax return on assets | 1.1407% | 2,855 |
| Return on Equity (ROE) | 14.8958% | 852 |
| Retained earnings to average equity (ytd only) | 9.8283% | 891 |
| Net charge-offs to loans | 0.7241% | 2,105 |
| Credit loss provision to net charge-offs | 78.3410% | 4,195 |
| Earnings coverage of net charge-offs (x) | 2.8018% | 3,733 |
| Efficiency ratio | 64.7740% | 4,941 |
| Assets per employee ($millions) | 9.2063% | 312 |
| Cash dividends to net income (ytd only)* | 34.0177% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 4,294 |
| Loan loss allowance to noncurrent loans | 75.0320% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 2.2629% | 2,826 |
| Noncurrent loans to loans | 1.9444% | 3,435 |
| Net loans and leases to total assets | 71.6554% | 1,785 |
| Net loans and leases to deposits | 77.4579% | 3,090 |
| Net loans and leases to core deposits | 87.3059% | 2,589 |
| Total domestic deposits to total assets | 92.5088% | 159 |
| Equity capital to assets | 7.2993% | 6,984 |
| Core capital (leverage) ratio | 8.2547% | 6,050 |
| Tier 1 risk-based capital ratio | 11.0272% | 6,526 |
| Total risk-based capital ratio | 12.2826% | 6,508 |
| Memoranda: | ||
| Average total assets | $51,197,000 | 6,383 |
| Average earning assets | $47,240,500 | 6,329 |
| Average equity | $3,920,500 | 6,828 |
| Average total loans | $39,957,500 | 5,747 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6759% | 913 |
| Cost of funding earning assets | 1.0691% | 3,479 |
| Net interest margin | 4.6068% | 899 |
| Noninterest income to average assets | 0.3170% | 5,362 |
| Noninterest expense to average assets | 3.0532% | 3,420 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5165% | 854 |
| Return on assets (ROA) | 1.5165% | 919 |
| Pretax return on assets | 1.5165% | 1,487 |
| Return on Equity (ROE) | 19.4678% | 345 |
| Retained earnings to average equity (ytd only) | 11.7940% | 549 |
| Net charge-offs to loans | 0.0953% | 4,722 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 19.8947% | 1,200 |
| Efficiency ratio | 66.8130% | 4,724 |
| Assets per employee ($millions) | 8.4588% | 390 |
| Cash dividends to net income (ytd only)* | 39.4180% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5458% | 3,918 |
| Loan loss allowance to noncurrent loans | 50.7438% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 3.6471% | 1,794 |
| Noncurrent loans to loans | 3.0462% | 2,374 |
| Net loans and leases to total assets | 77.0536% | 905 |
| Net loans and leases to deposits | 83.7535% | 2,146 |
| Net loans and leases to core deposits | 90.9275% | 2,266 |
| Total domestic deposits to total assets | 92.0005% | 232 |
| Equity capital to assets | 7.8242% | 6,789 |
| Core capital (leverage) ratio | 7.9476% | 6,360 |
| Tier 1 risk-based capital ratio | 11.0888% | 6,454 |
| Total risk-based capital ratio | 12.3454% | 6,444 |
| Memoranda: | ||
| Average total assets | $49,850,000 | 6,483 |
| Average earning assets | $46,019,000 | 6,441 |
| Average equity | $3,883,330 | 6,880 |
| Average total loans | $39,887,670 | 5,802 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7453% | 810 |
| Cost of funding earning assets | 1.1018% | 3,504 |
| Net interest margin | 4.6435% | 793 |
| Noninterest income to average assets | 0.3239% | 5,331 |
| Noninterest expense to average assets | 3.1175% | 3,184 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5061% | 863 |
| Return on assets (ROA) | 1.5061% | 907 |
| Pretax return on assets | 1.5061% | 1,431 |
| Return on Equity (ROE) | 19.3775% | 372 |
| Retained earnings to average equity (ytd only) | 19.3775% | 182 |
| Net charge-offs to loans | 0.1901% | 3,360 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 9.7895% | 1,689 |
| Efficiency ratio | 67.4256% | 4,767 |
| Assets per employee ($millions) | 8.6447% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5649% | 3,891 |
| Loan loss allowance to noncurrent loans | 63.4953% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 3.3566% | 2,030 |
| Noncurrent loans to loans | 2.4646% | 3,031 |
| Net loans and leases to total assets | 74.4602% | 1,275 |
| Net loans and leases to deposits | 80.6722% | 2,576 |
| Net loans and leases to core deposits | 87.4768% | 2,671 |
| Total domestic deposits to total assets | 92.2997% | 213 |
| Equity capital to assets | 7.5731% | 6,828 |
| Core capital (leverage) ratio | 8.0409% | 6,201 |
| Tier 1 risk-based capital ratio | 10.8954% | 6,574 |
| Total risk-based capital ratio | 12.1519% | 6,551 |
| Memoranda: | ||
| Average total assets | $49,398,500 | 6,548 |
| Average earning assets | $45,741,500 | 6,496 |
| Average equity | $3,839,500 | 6,926 |
| Average total loans | $39,971,000 | 5,850 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0238% | 810 |
| Cost of funding earning assets | 1.3943% | 3,305 |
| Net interest margin | 4.6295% | 950 |
| Noninterest income to average assets | 0.2881% | 5,724 |
| Noninterest expense to average assets | 2.9049% | 4,208 |
| Loan and lease loss provision to assets | 0.7468% | 2,200 |
| Net operating income to assets | 0.9644% | 2,149 |
| Return on assets (ROA) | 0.9644% | 2,272 |
| Pretax return on assets | 0.9644% | 3,049 |
| Return on Equity (ROE) | 12.8185% | 1,139 |
| Retained earnings to average equity (ytd only) | 1.0943% | 5,002 |
| Net charge-offs to loans | 0.5887% | 3,268 |
| Credit loss provision to net charge-offs | 153.6290% | 2,315 |
| Earnings coverage of net charge-offs (x) | 3.5202% | 3,324 |
| Efficiency ratio | 62.9299% | 5,530 |
| Assets per employee ($millions) | 7.8215% | 512 |
| Cash dividends to net income (ytd only)* | 91.4634% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 3,752 |
| Loan loss allowance to noncurrent loans | 36.0273% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 3.7440% | 1,836 |
| Noncurrent loans to loans | 4.3162% | 1,672 |
| Net loans and leases to total assets | 85.3928% | 214 |
| Net loans and leases to deposits | 92.8994% | 1,152 |
| Net loans and leases to core deposits | 108.8051% | 998 |
| Total domestic deposits to total assets | 91.9197% | 300 |
| Equity capital to assets | 7.9929% | 6,505 |
| Core capital (leverage) ratio | 7.0898% | 6,982 |
| Tier 1 risk-based capital ratio | 10.1874% | 6,878 |
| Total risk-based capital ratio | 11.4422% | 6,855 |
| Memoranda: | ||
| Average total assets | $51,017,800 | 6,496 |
| Average earning assets | $47,694,200 | 6,446 |
| Average equity | $3,838,200 | 7,046 |
| Average total loans | $42,126,400 | 5,826 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9452% | 1,043 |
| Cost of funding earning assets | 1.4158% | 3,487 |
| Net interest margin | 4.5294% | 1,193 |
| Noninterest income to average assets | 0.2716% | 5,940 |
| Noninterest expense to average assets | 2.5134% | 5,666 |
| Loan and lease loss provision to assets | 0.0640% | 6,424 |
| Net operating income to assets | 1.9318% | 380 |
| Return on assets (ROA) | 1.9318% | 417 |
| Pretax return on assets | 1.9318% | 724 |
| Return on Equity (ROE) | 26.0443% | 98 |
| Retained earnings to average equity (ytd only) | 10.5005% | 686 |
| Net charge-offs to loans | 0.1381% | 5,194 |
| Credit loss provision to net charge-offs | 56.8182% | 5,766 |
| Earnings coverage of net charge-offs (x) | 17.7031% | 1,311 |
| Efficiency ratio | 55.7386% | 6,594 |
| Assets per employee ($millions) | 9.0073% | 350 |
| Cash dividends to net income (ytd only)* | 59.6821% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 5,727 |
| Loan loss allowance to noncurrent loans | 37.4611% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 2.3758% | 2,999 |
| Noncurrent loans to loans | 3.0598% | 2,609 |
| Net loans and leases to total assets | 76.7578% | 1,269 |
| Net loans and leases to deposits | 83.0723% | 2,895 |
| Net loans and leases to core deposits | 91.0993% | 2,941 |
| Total domestic deposits to total assets | 92.3988% | 138 |
| Equity capital to assets | 7.4254% | 7,168 |
| Core capital (leverage) ratio | 7.5982% | 6,768 |
| Tier 1 risk-based capital ratio | 10.4841% | 6,789 |
| Total risk-based capital ratio | 11.7329% | 6,776 |
| Memoranda: | ||
| Average total assets | $52,040,000 | 6,537 |
| Average earning assets | $48,688,250 | 6,483 |
| Average equity | $3,860,000 | 7,129 |
| Average total loans | $42,481,250 | 5,897 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0413% | 856 |
| Cost of funding earning assets | 1.4509% | 3,552 |
| Net interest margin | 4.5904% | 1,025 |
| Noninterest income to average assets | 0.2647% | 6,023 |
| Noninterest expense to average assets | 2.5539% | 5,512 |
| Loan and lease loss provision to assets | 0.0973% | 5,939 |
| Net operating income to assets | 1.8999% | 398 |
| Return on assets (ROA) | 1.8999% | 441 |
| Pretax return on assets | 1.8999% | 734 |
| Return on Equity (ROE) | 25.6235% | 112 |
| Retained earnings to average equity (ytd only) | 1.9953% | 4,864 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1163% | 6,624 |
| Assets per employee ($millions) | 8.7445% | 371 |
| Cash dividends to net income (ytd only)* | 92.2131% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 5,487 |
| Loan loss allowance to noncurrent loans | 46.4191% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 2.1556% | 3,312 |
| Noncurrent loans to loans | 2.5724% | 3,071 |
| Net loans and leases to total assets | 82.7968% | 456 |
| Net loans and leases to deposits | 89.3094% | 1,962 |
| Net loans and leases to core deposits | 98.6197% | 2,166 |
| Total domestic deposits to total assets | 92.7078% | 131 |
| Equity capital to assets | 7.1416% | 7,295 |
| Core capital (leverage) ratio | 7.4129% | 6,908 |
| Tier 1 risk-based capital ratio | 9.4068% | 7,302 |
| Total risk-based capital ratio | 10.6570% | 7,301 |
| Memoranda: | ||
| Average total assets | $51,372,000 | 6,602 |
| Average earning assets | $47,970,000 | 6,549 |
| Average equity | $3,809,000 | 7,178 |
| Average total loans | $42,653,670 | 5,920 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1465% | 713 |
| Cost of funding earning assets | 1.4711% | 3,732 |
| Net interest margin | 4.6754% | 828 |
| Noninterest income to average assets | 0.2676% | 6,013 |
| Noninterest expense to average assets | 2.5578% | 5,523 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.0620% | 311 |
| Return on assets (ROA) | 2.0620% | 343 |
| Pretax return on assets | 2.0620% | 545 |
| Return on Equity (ROE) | 27.2917% | 116 |
| Retained earnings to average equity (ytd only) | 27.2917% | 87 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3663% | 6,841 |
| Assets per employee ($millions) | 8.7847% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 5,579 |
| Loan loss allowance to noncurrent loans | 62.5000% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.5178% | 4,222 |
| Noncurrent loans to loans | 1.8942% | 3,930 |
| Net loans and leases to total assets | 79.1796% | 950 |
| Net loans and leases to deposits | 85.7366% | 2,636 |
| Net loans and leases to core deposits | 85.7366% | 3,938 |
| Total domestic deposits to total assets | 92.3522% | 182 |
| Equity capital to assets | 7.5340% | 7,045 |
| Core capital (leverage) ratio | 8.0128% | 6,223 |
| Tier 1 risk-based capital ratio | 10.4657% | 6,661 |
| Total risk-based capital ratio | 11.7176% | 6,654 |
| Memoranda: | ||
| Average total assets | $50,824,500 | 6,706 |
| Average earning assets | $47,311,500 | 6,653 |
| Average equity | $3,840,000 | 7,237 |
| Average total loans | $41,997,500 | 6,026 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4315% | 771 |
| Cost of funding earning assets | 1.5376% | 5,349 |
| Net interest margin | 4.8939% | 568 |
| Noninterest income to average assets | 0.3052% | 5,907 |
| Noninterest expense to average assets | 2.9819% | 4,226 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.6566% | 480 |
| Return on assets (ROA) | 1.6566% | 513 |
| Pretax return on assets | 1.6566% | 857 |
| Return on Equity (ROE) | 22.3081% | 152 |
| Retained earnings to average equity (ytd only) | 4.7050% | 1,971 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2857% | 5,721 |
| Assets per employee ($millions) | 8.1568% | 483 |
| Cash dividends to net income (ytd only)* | 78.9091% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 5,381 |
| Loan loss allowance to noncurrent loans | 164.4737% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.6212% | 5,901 |
| Noncurrent loans to loans | 0.7280% | 5,798 |
| Net loans and leases to total assets | 84.3076% | 403 |
| Net loans and leases to deposits | 91.2814% | 2,002 |
| Net loans and leases to core deposits | 139.3764% | 833 |
| Total domestic deposits to total assets | 92.3602% | 205 |
| Equity capital to assets | 7.5785% | 6,960 |
| Core capital (leverage) ratio | 7.4424% | 6,842 |
| Tier 1 risk-based capital ratio | 9.8915% | 6,962 |
| Total risk-based capital ratio | 11.1422% | 6,937 |
| Memoranda: | ||
| Average total assets | $49,800,800 | 6,711 |
| Average earning assets | $44,095,800 | 6,763 |
| Average equity | $3,698,200 | 7,385 |
| Average total loans | $40,334,000 | 6,088 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3926% | 940 |
| Cost of funding earning assets | 1.5129% | 5,765 |
| Net interest margin | 4.8797% | 579 |
| Noninterest income to average assets | 0.2906% | 6,155 |
| Noninterest expense to average assets | 2.5431% | 5,926 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.0206% | 281 |
| Return on assets (ROA) | 2.0206% | 302 |
| Pretax return on assets | 2.0206% | 522 |
| Return on Equity (ROE) | 27.3479% | 86 |
| Retained earnings to average equity (ytd only) | 11.1124% | 457 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7243% | 7,039 |
| Assets per employee ($millions) | 8.6533% | 410 |
| Cash dividends to net income (ytd only)* | 59.3673% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 5,090 |
| Loan loss allowance to noncurrent loans | 119.6172% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.8051% | 5,489 |
| Noncurrent loans to loans | 1.0060% | 5,294 |
| Net loans and leases to total assets | 79.0678% | 1,377 |
| Net loans and leases to deposits | 85.6588% | 3,386 |
| Net loans and leases to core deposits | 118.0300% | 2,409 |
| Total domestic deposits to total assets | 92.3055% | 141 |
| Equity capital to assets | 7.4018% | 7,371 |
| Core capital (leverage) ratio | 7.8083% | 6,601 |
| Tier 1 risk-based capital ratio | 10.4782% | 6,492 |
| Total risk-based capital ratio | 11.7297% | 6,444 |
| Memoranda: | ||
| Average total assets | $50,015,750 | 6,757 |
| Average earning assets | $43,799,250 | 6,826 |
| Average equity | $3,695,500 | 7,448 |
| Average total loans | $39,977,250 | 6,159 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2912% | 1,227 |
| Cost of funding earning assets | 1.4897% | 6,187 |
| Net interest margin | 4.8015% | 650 |
| Noninterest income to average assets | 0.3848% | 5,422 |
| Noninterest expense to average assets | 2.5678% | 5,869 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.0858% | 243 |
| Return on assets (ROA) | 2.0858% | 268 |
| Pretax return on assets | 2.0858% | 451 |
| Return on Equity (ROE) | 28.2476% | 87 |
| Retained earnings to average equity (ytd only) | 3.5652% | 3,317 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1784% | 7,208 |
| Assets per employee ($millions) | 8.0700% | 486 |
| Cash dividends to net income (ytd only)* | 87.3786% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 4,635 |
| Loan loss allowance to noncurrent loans | 120.4819% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.8571% | 5,269 |
| Noncurrent loans to loans | 1.0345% | 5,147 |
| Net loans and leases to total assets | 81.8154% | 987 |
| Net loans and leases to deposits | 88.6738% | 3,061 |
| Net loans and leases to core deposits | 119.2864% | 2,430 |
| Total domestic deposits to total assets | 92.2656% | 172 |
| Equity capital to assets | 7.4349% | 7,321 |
| Core capital (leverage) ratio | 7.6428% | 6,837 |
| Tier 1 risk-based capital ratio | 9.8066% | 7,130 |
| Total risk-based capital ratio | 11.0569% | 7,075 |
| Memoranda: | ||
| Average total assets | $49,381,000 | 6,858 |
| Average earning assets | $43,902,670 | 6,885 |
| Average equity | $3,646,330 | 7,526 |
| Average total loans | $39,452,330 | 6,230 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1754% | 1,671 |
| Cost of funding earning assets | 1.4987% | 6,402 |
| Net interest margin | 4.6767% | 808 |
| Noninterest income to average assets | 0.4252% | 5,004 |
| Noninterest expense to average assets | 2.4307% | 6,092 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.1500% | 257 |
| Return on assets (ROA) | 2.1500% | 299 |
| Pretax return on assets | 2.1500% | 494 |
| Return on Equity (ROE) | 29.2138% | 111 |
| Retained earnings to average equity (ytd only) | 29.2138% | 57 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0648% | 7,310 |
| Assets per employee ($millions) | 8.3530% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 4,250 |
| Loan loss allowance to noncurrent loans | 641.0256% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 7,091 |
| Noncurrent loans to loans | 0.1987% | 6,962 |
| Net loans and leases to total assets | 77.3335% | 1,964 |
| Net loans and leases to deposits | 87.7076% | 3,337 |
| Net loans and leases to core deposits | 108.4322% | 3,622 |
| Total domestic deposits to total assets | 88.1719% | 1,666 |
| Equity capital to assets | 7.5901% | 7,273 |
| Core capital (leverage) ratio | 8.1152% | 6,266 |
| Tier 1 risk-based capital ratio | 10.2553% | 6,640 |
| Total risk-based capital ratio | 11.5062% | 6,565 |
| Memoranda: | ||
| Average total assets | $49,861,500 | 6,874 |
| Average earning assets | $44,304,500 | 6,913 |
| Average equity | $3,669,500 | 7,565 |
| Average total loans | $39,121,000 | 6,271 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5169% | 2,881 |
| Cost of funding earning assets | 2.1049% | 6,032 |
| Net interest margin | 4.4120% | 1,655 |
| Noninterest income to average assets | 1.3330% | 813 |
| Noninterest expense to average assets | 3.1505% | 3,513 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.2196% | 226 |
| Return on assets (ROA) | 2.2196% | 224 |
| Pretax return on assets | 2.2196% | 380 |
| Return on Equity (ROE) | 31.1302% | 51 |
| Retained earnings to average equity (ytd only) | 2.7916% | 3,443 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6672% | 6,578 |
| Assets per employee ($millions) | 8.2675% | 427 |
| Cash dividends to net income (ytd only)* | 91.0326% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2826% | 3,910 |
| 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 | 77.5809% | 2,243 |
| Net loans and leases to deposits | 83.7355% | 4,462 |
| Net loans and leases to core deposits | 102.9452% | 4,509 |
| Total domestic deposits to total assets | 92.6499% | 75 |
| Equity capital to assets | 7.1263% | 7,667 |
| Core capital (leverage) ratio | 7.3281% | 7,387 |
| Tier 1 risk-based capital ratio | 9.1396% | 7,675 |
| Total risk-based capital ratio | 10.3909% | 7,644 |
| Memoranda: | ||
| Average total assets | $49,738,000 | 6,786 |
| Average earning assets | $45,512,400 | 6,791 |
| Average equity | $3,546,400 | 7,660 |
| Average total loans | $38,046,000 | 6,270 |