Home > State Bank of Bellingham > Performance and Condition Ratios
State Bank of Bellingham, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5819% | 2,937 |
| Cost of funding earning assets | 2.0479% | 853 |
| Net interest margin | 2.5340% | 4,062 |
| Noninterest income to average assets | 0.0500% | 4,441 |
| Noninterest expense to average assets | 1.6804% | 4,156 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.7330% | 3,100 |
| Return on assets (ROA) | 0.7483% | 3,034 |
| Pretax return on assets | 0.7483% | 3,342 |
| Return on Equity (ROE) | 9.5700% | 2,620 |
| Retained earnings to average equity (ytd only) | 4.6766% | 2,722 |
| 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 | 67.6425% | 2,148 |
| Assets per employee ($millions) | 9.0738% | 959 |
| Cash dividends to net income (ytd only)* | 51.1509% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 3,244 |
| Loan loss allowance to noncurrent loans | 33.7915% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 1.6035% | 225 |
| Noncurrent loans to loans | 2.9963% | 144 |
| Net loans and leases to total assets | 52.9700% | 3,417 |
| Net loans and leases to deposits | 67.4044% | 3,078 |
| Net loans and leases to core deposits | 94.9185% | 1,716 |
| Total domestic deposits to total assets | 78.5900% | 3,662 |
| Equity capital to assets | 8.5870% | 2,983 |
| Core capital (leverage) ratio | 13.0717% | 1,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5677% | 726 |
| Memoranda: | ||
| Average total assets | $52,250,400 | 4,297 |
| Average earning assets | $50,197,800 | 4,247 |
| Average equity | $4,084,200 | 4,346 |
| Average total loans | $27,571,000 | 4,177 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4961% | 2,929 |
| Cost of funding earning assets | 1.8241% | 975 |
| Net interest margin | 2.6720% | 3,919 |
| Noninterest income to average assets | -0.0600% | 4,616 |
| Noninterest expense to average assets | 1.6600% | 4,175 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.7604% | 3,131 |
| Return on assets (ROA) | 0.7707% | 3,101 |
| Pretax return on assets | 0.7707% | 3,397 |
| Return on Equity (ROE) | 10.0600% | 2,619 |
| Retained earnings to average equity (ytd only) | 3.3322% | 3,437 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.9836% | 2,279 |
| Assets per employee ($millions) | 8.8625% | 979 |
| Cash dividends to net income (ytd only)* | 66.8896% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 3,335 |
| Loan loss allowance to noncurrent loans | 65.4102% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.8481% | 649 |
| Noncurrent loans to loans | 1.5361% | 465 |
| Net loans and leases to total assets | 54.6600% | 3,314 |
| Net loans and leases to deposits | 68.4744% | 2,948 |
| Net loans and leases to core deposits | 92.7855% | 1,751 |
| Total domestic deposits to total assets | 79.8300% | 3,555 |
| Equity capital to assets | 7.1425% | 3,545 |
| Core capital (leverage) ratio | 12.7472% | 1,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5356% | 1,194 |
| Memoranda: | ||
| Average total assets | $51,727,000 | 4,320 |
| Average earning assets | $49,849,500 | 4,275 |
| Average equity | $3,961,250 | 4,371 |
| Average total loans | $27,179,750 | 4,196 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2871% | 2,833 |
| Cost of funding earning assets | 1.3626% | 1,110 |
| Net interest margin | 2.9246% | 3,750 |
| Noninterest income to average assets | 0.0200% | 4,597 |
| Noninterest expense to average assets | 1.7806% | 4,065 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0668% | 2,328 |
| Return on assets (ROA) | 1.0908% | 2,225 |
| Pretax return on assets | 1.0908% | 2,734 |
| Return on Equity (ROE) | 13.7600% | 1,823 |
| Retained earnings to average equity (ytd only) | -6.4761% | 4,385 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.5352% | 2,628 |
| Assets per employee ($millions) | 8.3585% | 1,180 |
| Cash dividends to net income (ytd only)* | 147.0588% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 3,240 |
| Loan loss allowance to noncurrent loans | 57.2062% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 0.8993% | 497 |
| Noncurrent loans to loans | 1.8589% | 321 |
| Net loans and leases to total assets | 47.8600% | 3,645 |
| Net loans and leases to deposits | 57.4382% | 3,479 |
| Net loans and leases to core deposits | 73.4606% | 2,722 |
| Total domestic deposits to total assets | 83.3300% | 3,234 |
| Equity capital to assets | 8.0178% | 3,230 |
| Core capital (leverage) ratio | 7.0700% | 4,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2422% | 2,653 |
| Memoranda: | ||
| Average total assets | $49,871,000 | 4,415 |
| Average earning assets | $48,144,000 | 4,370 |
| Average equity | $3,953,000 | 4,459 |
| Average total loans | $24,570,500 | 4,314 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2934% | 3,594 |
| Cost of funding earning assets | 0.7197% | 534 |
| Net interest margin | 2.5737% | 4,206 |
| Noninterest income to average assets | -0.0400% | 4,694 |
| Noninterest expense to average assets | 1.5658% | 4,350 |
| Loan and lease loss provision to assets | -0.4800% | 4,691 |
| Net operating income to assets | 1.3373% | 1,321 |
| Return on assets (ROA) | 0.8587% | 3,050 |
| Pretax return on assets | 0.8587% | 3,463 |
| Return on Equity (ROE) | 9.6400% | 2,926 |
| Retained earnings to average equity (ytd only) | 9.6396% | 1,264 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.6341% | 2,413 |
| Assets per employee ($millions) | 8.2652% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 3,167 |
| Loan loss allowance to noncurrent loans | 51.0891% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.0183% | 426 |
| Noncurrent loans to loans | 2.0298% | 276 |
| Net loans and leases to total assets | 49.6500% | 3,528 |
| Net loans and leases to deposits | 59.4854% | 3,364 |
| Net loans and leases to core deposits | 76.0447% | 2,418 |
| Total domestic deposits to total assets | 83.4600% | 3,317 |
| Equity capital to assets | 7.8341% | 3,158 |
| Core capital (leverage) ratio | 13.8870% | 739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0146% | 717 |
| Memoranda: | ||
| Average total assets | $50,772,600 | 4,433 |
| Average earning assets | $48,491,400 | 4,391 |
| Average equity | $4,523,000 | 4,483 |
| Average total loans | $26,108,800 | 4,302 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1084% | 3,657 |
| Cost of funding earning assets | 0.6932% | 280 |
| Net interest margin | 2.4152% | 4,305 |
| Noninterest income to average assets | -0.0500% | 4,732 |
| Noninterest expense to average assets | 1.5167% | 4,404 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7272% | 3,490 |
| Return on assets (ROA) | 0.7220% | 3,452 |
| Pretax return on assets | 0.7220% | 3,759 |
| Return on Equity (ROE) | 7.4900% | 3,467 |
| Retained earnings to average equity (ytd only) | 7.4858% | 2,195 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.5926% | 2,074 |
| Assets per employee ($millions) | 8.1355% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9501% | 545 |
| Loan loss allowance to noncurrent loans | 99.4059% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.0346% | 428 |
| Noncurrent loans to loans | 1.9618% | 309 |
| Net loans and leases to total assets | 51.7100% | 3,311 |
| Net loans and leases to deposits | 62.6551% | 2,973 |
| Net loans and leases to core deposits | 71.2230% | 2,551 |
| Total domestic deposits to total assets | 82.5300% | 3,750 |
| Equity capital to assets | 8.6698% | 2,429 |
| Core capital (leverage) ratio | 13.2053% | 852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1713% | 966 |
| Memoranda: | ||
| Average total assets | $51,336,750 | 4,461 |
| Average earning assets | $48,855,250 | 4,417 |
| Average equity | $4,951,500 | 4,477 |
| Average total loans | $26,416,250 | 4,325 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9327% | 3,716 |
| Cost of funding earning assets | 0.7108% | 149 |
| Net interest margin | 2.2219% | 4,402 |
| Noninterest income to average assets | 0.0345% | 4,677 |
| Noninterest expense to average assets | 1.4566% | 4,464 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6746% | 3,395 |
| Return on assets (ROA) | 0.6669% | 3,372 |
| Pretax return on assets | 0.6669% | 3,664 |
| Return on Equity (ROE) | 6.7035% | 3,393 |
| Retained earnings to average equity (ytd only) | 6.7035% | 2,090 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3453% | 2,193 |
| Assets per employee ($millions) | 8.4485% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8835% | 688 |
| Loan loss allowance to noncurrent loans | 99.4059% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.9962% | 468 |
| Noncurrent loans to loans | 1.8948% | 350 |
| Net loans and leases to total assets | 51.5871% | 3,206 |
| Net loans and leases to deposits | 61.8086% | 2,900 |
| Net loans and leases to core deposits | 72.7237% | 2,259 |
| Total domestic deposits to total assets | 83.4625% | 3,794 |
| Equity capital to assets | 8.0547% | 3,081 |
| Core capital (leverage) ratio | 12.7711% | 883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3898% | 1,102 |
| Memoranda: | ||
| Average total assets | $52,178,000 | 4,489 |
| Average earning assets | $49,238,000 | 4,466 |
| Average equity | $5,191,333 | 4,503 |
| Average total loans | $26,373,667 | 4,385 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7595% | 3,822 |
| Cost of funding earning assets | 0.7241% | 135 |
| Net interest margin | 2.0355% | 4,488 |
| Noninterest income to average assets | 0.0302% | 4,704 |
| Noninterest expense to average assets | 1.3076% | 4,618 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6349% | 3,275 |
| Return on assets (ROA) | 0.6198% | 3,313 |
| Pretax return on assets | 0.6198% | 3,582 |
| Return on Equity (ROE) | 5.7088% | 3,426 |
| Retained earnings to average equity (ytd only) | 5.7088% | 2,348 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3152% | 2,589 |
| Assets per employee ($millions) | 8.7930% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9351% | 693 |
| Loan loss allowance to noncurrent loans | 99.4059% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.9572% | 542 |
| Noncurrent loans to loans | 1.9467% | 382 |
| Net loans and leases to total assets | 48.2202% | 3,366 |
| Net loans and leases to deposits | 58.6905% | 3,013 |
| Net loans and leases to core deposits | 69.2245% | 2,356 |
| Total domestic deposits to total assets | 82.1601% | 4,054 |
| Equity capital to assets | 9.6971% | 2,135 |
| Core capital (leverage) ratio | 12.3027% | 971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4577% | 1,155 |
| Memoranda: | ||
| Average total assets | $52,921,500 | 4,508 |
| Average earning assets | $49,718,500 | 4,487 |
| Average equity | $5,745,500 | 4,492 |
| Average total loans | $26,234,500 | 4,407 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1321% | 3,619 |
| Cost of funding earning assets | 1.0545% | 56 |
| Net interest margin | 2.0776% | 4,553 |
| Noninterest income to average assets | 0.0243% | 4,764 |
| Noninterest expense to average assets | 1.6626% | 4,348 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2247% | 4,509 |
| Return on assets (ROA) | 0.2378% | 4,510 |
| Pretax return on assets | 0.2378% | 4,535 |
| Return on Equity (ROE) | 2.0089% | 4,498 |
| Retained earnings to average equity (ytd only) | 1.6926% | 4,073 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0952% | 383 |
| Assets per employee ($millions) | 8.8475% | 967 |
| Cash dividends to net income (ytd only)* | 15.7480% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8924% | 738 |
| Loan loss allowance to noncurrent loans | 89.9642% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.0511% | 508 |
| Noncurrent loans to loans | 2.1035% | 364 |
| Net loans and leases to total assets | 49.0251% | 3,406 |
| Net loans and leases to deposits | 61.3797% | 2,946 |
| Net loans and leases to core deposits | 73.2397% | 2,139 |
| Total domestic deposits to total assets | 79.8719% | 4,233 |
| Equity capital to assets | 12.0090% | 1,247 |
| Core capital (leverage) ratio | 11.9265% | 1,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7755% | 1,102 |
| Memoranda: | ||
| Average total assets | $53,410,200 | 4,529 |
| Average earning assets | $47,891,800 | 4,536 |
| Average equity | $6,321,800 | 4,496 |
| Average total loans | $27,427,600 | 4,423 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1460% | 3,709 |
| Cost of funding earning assets | 1.1151% | 53 |
| Net interest margin | 2.0308% | 4,664 |
| Noninterest income to average assets | 0.0249% | 4,843 |
| Noninterest expense to average assets | 1.6800% | 4,357 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1471% | 4,663 |
| Return on assets (ROA) | 0.1620% | 4,674 |
| Pretax return on assets | 0.1620% | 4,685 |
| Return on Equity (ROE) | 1.3738% | 4,656 |
| Retained earnings to average equity (ytd only) | 0.9511% | 4,421 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9509% | 273 |
| Assets per employee ($millions) | 8.8238% | 952 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8004% | 927 |
| Loan loss allowance to noncurrent loans | 82.1604% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.1541% | 527 |
| Noncurrent loans to loans | 2.1914% | 379 |
| Net loans and leases to total assets | 51.7160% | 3,220 |
| Net loans and leases to deposits | 64.7894% | 2,758 |
| Net loans and leases to core deposits | 79.5884% | 1,771 |
| Total domestic deposits to total assets | 79.8217% | 4,254 |
| Equity capital to assets | 11.9978% | 1,404 |
| Core capital (leverage) ratio | 12.0083% | 1,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,491,500 | 4,590 |
| Average earning assets | $47,467,000 | 4,600 |
| Average equity | $6,308,500 | 4,562 |
| Average total loans | $27,652,750 | 4,478 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2075% | 3,665 |
| Cost of funding earning assets | 1.1652% | 51 |
| Net interest margin | 2.0423% | 4,688 |
| Noninterest income to average assets | 0.0298% | 4,871 |
| Noninterest expense to average assets | 1.7513% | 4,279 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0484% | 4,751 |
| Return on assets (ROA) | 0.0633% | 4,752 |
| Pretax return on assets | 0.0633% | 4,755 |
| Return on Equity (ROE) | 0.5402% | 4,748 |
| Retained earnings to average equity (ytd only) | 0.5402% | 4,424 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3085% | 195 |
| Assets per employee ($millions) | 10.9194% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7556% | 960 |
| Loan loss allowance to noncurrent loans | 82.1604% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.1191% | 639 |
| Noncurrent loans to loans | 2.1367% | 432 |
| Net loans and leases to total assets | 51.4552% | 3,403 |
| Net loans and leases to deposits | 64.0194% | 2,999 |
| Net loans and leases to core deposits | 77.9776% | 2,048 |
| Total domestic deposits to total assets | 80.3744% | 4,173 |
| Equity capital to assets | 11.6783% | 1,532 |
| Core capital (leverage) ratio | 11.5709% | 1,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6537% | 1,429 |
| Memoranda: | ||
| Average total assets | $53,674,333 | 4,615 |
| Average earning assets | $46,515,333 | 4,636 |
| Average equity | $6,294,000 | 4,593 |
| Average total loans | $27,576,333 | 4,516 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3249% | 3,397 |
| Cost of funding earning assets | 1.2162% | 54 |
| Net interest margin | 2.1087% | 4,674 |
| Noninterest income to average assets | 0.0226% | 4,900 |
| Noninterest expense to average assets | 1.5335% | 4,617 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3007% | 4,519 |
| Return on assets (ROA) | 0.3232% | 4,522 |
| Pretax return on assets | 0.3232% | 4,577 |
| Return on Equity (ROE) | 2.7507% | 4,517 |
| Retained earnings to average equity (ytd only) | 2.7507% | 3,857 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6066% | 618 |
| Assets per employee ($millions) | 7.5909% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8686% | 773 |
| Loan loss allowance to noncurrent loans | 82.1604% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.1499% | 662 |
| Noncurrent loans to loans | 2.2743% | 434 |
| Net loans and leases to total assets | 49.6142% | 3,666 |
| Net loans and leases to deposits | 61.6664% | 3,354 |
| Net loans and leases to core deposits | 76.2047% | 2,330 |
| Total domestic deposits to total assets | 80.4558% | 4,148 |
| Equity capital to assets | 11.3765% | 1,618 |
| Core capital (leverage) ratio | 11.7026% | 1,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4204% | 1,191 |
| Memoranda: | ||
| Average total assets | $53,213,000 | 4,638 |
| Average earning assets | $45,715,500 | 4,663 |
| Average equity | $6,253,000 | 4,615 |
| Average total loans | $27,067,000 | 4,551 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9253% | 2,951 |
| Cost of funding earning assets | 1.6078% | 48 |
| Net interest margin | 2.3175% | 4,710 |
| Noninterest income to average assets | 0.0238% | 4,913 |
| Noninterest expense to average assets | 1.8885% | 4,333 |
| Loan and lease loss provision to assets | 0.0277% | 4,054 |
| Net operating income to assets | 0.2041% | 4,569 |
| Return on assets (ROA) | 0.8264% | 3,116 |
| Pretax return on assets | 0.8264% | 3,561 |
| Return on Equity (ROE) | 6.5682% | 3,383 |
| Retained earnings to average equity (ytd only) | 3.7960% | 2,920 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0654% | 410 |
| Assets per employee ($millions) | 7.6129% | 1,213 |
| Cash dividends to net income (ytd only)* | 42.2062% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8409% | 798 |
| Loan loss allowance to noncurrent loans | 78.3151% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.2029% | 721 |
| Noncurrent loans to loans | 2.3507% | 447 |
| Net loans and leases to total assets | 50.2289% | 3,811 |
| Net loans and leases to deposits | 63.0212% | 3,518 |
| Net loans and leases to core deposits | 78.6109% | 2,497 |
| Total domestic deposits to total assets | 79.7016% | 4,099 |
| Equity capital to assets | 12.1242% | 1,511 |
| Core capital (leverage) ratio | 11.8735% | 1,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9103% | 913 |
| Memoranda: | ||
| Average total assets | $50,462,000 | 4,649 |
| Average earning assets | $45,652,800 | 4,657 |
| Average equity | $6,348,800 | 4,599 |
| Average total loans | $31,082,000 | 4,497 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9469% | 3,121 |
| Cost of funding earning assets | 1.6412% | 59 |
| Net interest margin | 2.3057% | 4,780 |
| Noninterest income to average assets | 0.0268% | 4,939 |
| Noninterest expense to average assets | 1.9830% | 4,190 |
| Loan and lease loss provision to assets | 0.0382% | 3,877 |
| Net operating income to assets | 0.1635% | 4,636 |
| Return on assets (ROA) | 0.9888% | 2,513 |
| Pretax return on assets | 0.9888% | 3,112 |
| Return on Equity (ROE) | 7.7837% | 2,887 |
| Retained earnings to average equity (ytd only) | 5.9696% | 2,119 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7975% | 343 |
| Assets per employee ($millions) | 7.4891% | 1,220 |
| Cash dividends to net income (ytd only)* | 23.3062% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7287% | 841 |
| Loan loss allowance to noncurrent loans | 71.6120% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.3372% | 687 |
| Noncurrent loans to loans | 2.4139% | 448 |
| Net loans and leases to total assets | 54.4369% | 3,765 |
| Net loans and leases to deposits | 68.4972% | 3,432 |
| Net loans and leases to core deposits | 87.8227% | 2,163 |
| Total domestic deposits to total assets | 79.4731% | 3,963 |
| Equity capital to assets | 12.1738% | 1,587 |
| Core capital (leverage) ratio | 12.1611% | 1,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4498% | 1,146 |
| Memoranda: | ||
| Average total assets | $49,755,000 | 4,677 |
| Average earning assets | $46,550,250 | 4,658 |
| Average equity | $6,320,750 | 4,629 |
| Average total loans | $32,035,250 | 4,508 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1650% | 2,866 |
| Cost of funding earning assets | 1.7292% | 67 |
| Net interest margin | 2.4358% | 4,774 |
| Noninterest income to average assets | 0.0287% | 4,957 |
| Noninterest expense to average assets | 2.0423% | 4,146 |
| Loan and lease loss provision to assets | 0.0491% | 3,689 |
| Net operating income to assets | 0.2087% | 4,567 |
| Return on assets (ROA) | 1.4693% | 1,071 |
| Pretax return on assets | 1.4693% | 1,530 |
| Return on Equity (ROE) | 11.3962% | 1,512 |
| Retained earnings to average equity (ytd only) | 11.3962% | 551 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7900% | 423 |
| Assets per employee ($millions) | 7.0976% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6686% | 878 |
| Loan loss allowance to noncurrent loans | 60.3136% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.6686% | 508 |
| Noncurrent loans to loans | 2.7665% | 384 |
| Net loans and leases to total assets | 59.3080% | 3,397 |
| Net loans and leases to deposits | 75.8124% | 2,892 |
| Net loans and leases to core deposits | 93.5339% | 1,785 |
| Total domestic deposits to total assets | 78.2300% | 4,160 |
| Equity capital to assets | 12.9481% | 1,190 |
| Core capital (leverage) ratio | 12.9255% | 1,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6063% | 829 |
| Memoranda: | ||
| Average total assets | $48,865,333 | 4,707 |
| Average earning assets | $45,570,333 | 4,692 |
| Average equity | $6,300,333 | 4,654 |
| Average total loans | $33,033,667 | 4,507 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6972% | 1,714 |
| Cost of funding earning assets | 1.7112% | 121 |
| Net interest margin | 2.9860% | 4,304 |
| Noninterest income to average assets | 0.0248% | 5,010 |
| Noninterest expense to average assets | 1.9894% | 4,413 |
| Loan and lease loss provision to assets | 0.0495% | 3,161 |
| Net operating income to assets | 0.8668% | 2,628 |
| Return on assets (ROA) | 0.8833% | 2,674 |
| Pretax return on assets | 0.8833% | 3,181 |
| Return on Equity (ROE) | 6.8656% | 3,007 |
| Retained earnings to average equity (ytd only) | 6.8656% | 1,589 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4659% | 2,591 |
| Assets per employee ($millions) | 8.1817% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 1,298 |
| 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 | 65.5388% | 2,872 |
| Net loans and leases to deposits | 83.7839% | 2,259 |
| Net loans and leases to core deposits | 102.6678% | 1,266 |
| Total domestic deposits to total assets | 78.2237% | 4,181 |
| Equity capital to assets | 12.8662% | 1,515 |
| Core capital (leverage) ratio | 12.5129% | 1,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8759% | 1,377 |
| Memoranda: | ||
| Average total assets | $48,456,500 | 4,734 |
| Average earning assets | $46,751,500 | 4,695 |
| Average equity | $6,234,000 | 4,692 |
| Average total loans | $34,567,500 | 4,483 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3771% | 701 |
| Cost of funding earning assets | 1.7702% | 155 |
| Net interest margin | 3.6070% | 3,114 |
| Noninterest income to average assets | 0.0317% | 5,076 |
| Noninterest expense to average assets | 1.8518% | 4,714 |
| Loan and lease loss provision to assets | 0.0238% | 3,543 |
| Net operating income to assets | 1.5864% | 864 |
| Return on assets (ROA) | 1.7765% | 585 |
| Pretax return on assets | 1.7765% | 999 |
| Return on Equity (ROE) | 15.1951% | 653 |
| Retained earnings to average equity (ytd only) | 10.5367% | 394 |
| Net charge-offs to loans | 0.0366% | 2,652 |
| Credit loss provision to net charge-offs | 80.0000% | 2,793 |
| Earnings coverage of net charge-offs (x) | 54.2000% | 1,058 |
| Efficiency ratio | 53.4897% | 4,473 |
| Assets per employee ($millions) | 7.9705% | 721 |
| Cash dividends to net income (ytd only)* | 30.6577% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 1,756 |
| 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 | 75.2358% | 1,544 |
| Net loans and leases to deposits | 96.4637% | 894 |
| Net loans and leases to core deposits | 118.8832% | 509 |
| Total domestic deposits to total assets | 77.9939% | 4,360 |
| Equity capital to assets | 12.8641% | 1,605 |
| Core capital (leverage) ratio | 12.3887% | 1,545 |
| Tier 1 risk-based capital ratio | 15.5493% | 2,564 |
| Total risk-based capital ratio | 16.7745% | 2,502 |
| Memoranda: | ||
| Average total assets | $50,491,800 | 4,736 |
| Average earning assets | $48,018,400 | 4,711 |
| Average equity | $5,903,200 | 4,768 |
| Average total loans | $40,981,400 | 4,387 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5422% | 548 |
| Cost of funding earning assets | 1.7850% | 147 |
| Net interest margin | 3.7571% | 2,730 |
| Noninterest income to average assets | 0.0365% | 5,140 |
| Noninterest expense to average assets | 1.8712% | 4,731 |
| Loan and lease loss provision to assets | 0.0313% | 3,280 |
| Net operating income to assets | 1.6940% | 754 |
| Return on assets (ROA) | 1.6940% | 796 |
| Pretax return on assets | 1.6940% | 1,350 |
| Return on Equity (ROE) | 14.8374% | 812 |
| Retained earnings to average equity (ytd only) | 10.4088% | 652 |
| Net charge-offs to loans | 0.0475% | 2,158 |
| Credit loss provision to net charge-offs | 80.0000% | 2,505 |
| Earnings coverage of net charge-offs (x) | 44.1320% | 1,284 |
| Efficiency ratio | 52.0290% | 4,591 |
| Assets per employee ($millions) | 8.1567% | 653 |
| Cash dividends to net income (ytd only)* | 29.8460% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 2,030 |
| Loan loss allowance to noncurrent loans | 130.4813% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.7642% | 1,801 |
| Noncurrent loans to loans | 0.9853% | 1,626 |
| Net loans and leases to total assets | 76.5611% | 1,383 |
| Net loans and leases to deposits | 97.4791% | 874 |
| Net loans and leases to core deposits | 119.3128% | 558 |
| Total domestic deposits to total assets | 78.5411% | 4,258 |
| Equity capital to assets | 12.5255% | 1,900 |
| Core capital (leverage) ratio | 12.3085% | 1,678 |
| Tier 1 risk-based capital ratio | 15.4280% | 2,659 |
| Total risk-based capital ratio | 16.7010% | 2,593 |
| Memoranda: | ||
| Average total assets | $51,159,000 | 4,801 |
| Average earning assets | $48,475,750 | 4,768 |
| Average equity | $5,841,000 | 4,841 |
| Average total loans | $42,109,750 | 4,416 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6909% | 415 |
| Cost of funding earning assets | 1.8302% | 113 |
| Net interest margin | 3.8607% | 2,365 |
| Noninterest income to average assets | 0.0347% | 5,195 |
| Noninterest expense to average assets | 1.8196% | 4,856 |
| Loan and lease loss provision to assets | 0.0463% | 2,893 |
| Net operating income to assets | 1.8119% | 577 |
| Return on assets (ROA) | 1.8042% | 611 |
| Pretax return on assets | 1.8042% | 1,018 |
| Return on Equity (ROE) | 16.3513% | 537 |
| Retained earnings to average equity (ytd only) | 9.5732% | 891 |
| Net charge-offs to loans | 0.0690% | 1,673 |
| Credit loss provision to net charge-offs | 80.0000% | 2,224 |
| Earnings coverage of net charge-offs (x) | 32.1333% | 1,410 |
| Efficiency ratio | 49.4759% | 4,811 |
| Assets per employee ($millions) | 7.9203% | 694 |
| Cash dividends to net income (ytd only)* | 41.4530% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 2,381 |
| Loan loss allowance to noncurrent loans | 36.0947% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 2.8450% | 229 |
| Noncurrent loans to loans | 3.3968% | 257 |
| Net loans and leases to total assets | 82.7280% | 512 |
| Net loans and leases to deposits | 106.9158% | 305 |
| Net loans and leases to core deposits | 130.7764% | 310 |
| Total domestic deposits to total assets | 77.3768% | 4,511 |
| Equity capital to assets | 12.3922% | 1,914 |
| Core capital (leverage) ratio | 11.2975% | 2,334 |
| Tier 1 risk-based capital ratio | 14.3139% | 3,154 |
| Total risk-based capital ratio | 15.5664% | 3,078 |
| Memoranda: | ||
| Average total assets | $51,878,670 | 4,823 |
| Average earning assets | $48,955,330 | 4,790 |
| Average equity | $5,724,330 | 4,884 |
| Average total loans | $43,494,000 | 4,403 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1461% | 173 |
| Cost of funding earning assets | 1.5701% | 252 |
| Net interest margin | 4.5760% | 640 |
| Noninterest income to average assets | 0.0222% | 5,273 |
| Noninterest expense to average assets | 1.4799% | 5,183 |
| Loan and lease loss provision to assets | 0.0444% | 2,749 |
| Net operating income to assets | 2.7896% | 101 |
| Return on assets (ROA) | 2.7748% | 114 |
| Pretax return on assets | 2.7748% | 161 |
| Return on Equity (ROE) | 26.5863% | 80 |
| Retained earnings to average equity (ytd only) | 25.8773% | 46 |
| Net charge-offs to loans | 0.1323% | 945 |
| Credit loss provision to net charge-offs | 40.0000% | 2,031 |
| Earnings coverage of net charge-offs (x) | 25.5333% | 1,422 |
| Efficiency ratio | 34.3053% | 5,290 |
| Assets per employee ($millions) | 8.6313% | 538 |
| Cash dividends to net income (ytd only)* | 2.6667% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 3,124 |
| Loan loss allowance to noncurrent loans | 45.5577% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 2.0429% | 465 |
| Noncurrent loans to loans | 2.4157% | 553 |
| Net loans and leases to total assets | 83.6391% | 405 |
| Net loans and leases to deposits | 117.5122% | 110 |
| Net loans and leases to core deposits | 146.5027% | 139 |
| Total domestic deposits to total assets | 71.1748% | 5,073 |
| Equity capital to assets | 11.2516% | 2,601 |
| Core capital (leverage) ratio | 10.9044% | 2,663 |
| Tier 1 risk-based capital ratio | 14.4372% | 3,126 |
| Total risk-based capital ratio | 15.6314% | 3,082 |
| Memoranda: | ||
| Average total assets | $54,057,000 | 4,839 |
| Average earning assets | $50,699,000 | 4,814 |
| Average equity | $5,642,000 | 4,939 |
| Average total loans | $45,340,000 | 4,403 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6869% | 1,869 |
| Cost of funding earning assets | 1.3540% | 168 |
| Net interest margin | 3.3329% | 4,172 |
| Noninterest income to average assets | -0.0588% | 5,367 |
| Noninterest expense to average assets | 1.5145% | 5,217 |
| Loan and lease loss provision to assets | 0.2543% | 668 |
| Net operating income to assets | 1.3210% | 1,715 |
| Return on assets (ROA) | 1.3210% | 1,705 |
| Pretax return on assets | 1.3210% | 2,430 |
| Return on Equity (ROE) | 12.7072% | 1,465 |
| Retained earnings to average equity (ytd only) | -2.3552% | 5,146 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0172% | 4,996 |
| Assets per employee ($millions) | 9.3877% | 411 |
| Cash dividends to net income (ytd only)* | 118.5345% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 3,401 |
| Loan loss allowance to noncurrent loans | 21.9099% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 3.9786% | 119 |
| Noncurrent loans to loans | 4.7800% | 121 |
| Net loans and leases to total assets | 82.3634% | 608 |
| Net loans and leases to deposits | 124.4521% | 68 |
| Net loans and leases to core deposits | 155.8923% | 109 |
| Total domestic deposits to total assets | 66.1808% | 5,244 |
| Equity capital to assets | 9.6882% | 3,968 |
| Core capital (leverage) ratio | 10.1071% | 3,454 |
| Tier 1 risk-based capital ratio | 12.1288% | 4,338 |
| Total risk-based capital ratio | 13.2201% | 4,339 |
| Memoranda: | ||
| Average total assets | $52,689,000 | 4,889 |
| Average earning assets | $49,776,800 | 4,861 |
| Average equity | $5,477,200 | 4,975 |
| Average total loans | $47,128,800 | 4,372 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8842% | 1,203 |
| Cost of funding earning assets | 1.2556% | 188 |
| Net interest margin | 3.6286% | 3,272 |
| Noninterest income to average assets | 0.0257% | 5,388 |
| Noninterest expense to average assets | 1.5166% | 5,266 |
| Loan and lease loss provision to assets | 0.3038% | 479 |
| Net operating income to assets | 1.6505% | 842 |
| Return on assets (ROA) | 1.6505% | 848 |
| Pretax return on assets | 1.6505% | 1,418 |
| Return on Equity (ROE) | 15.5894% | 770 |
| Retained earnings to average equity (ytd only) | -4.4750% | 5,300 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6944% | 5,225 |
| Assets per employee ($millions) | 8.7977% | 479 |
| Cash dividends to net income (ytd only)* | 128.7041% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 3,819 |
| Loan loss allowance to noncurrent loans | 11.1686% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 8.0571% | 36 |
| Noncurrent loans to loans | 8.8834% | 41 |
| Net loans and leases to total assets | 89.7984% | 78 |
| Net loans and leases to deposits | 147.9201% | 16 |
| Net loans and leases to core deposits | 172.2796% | 63 |
| Total domestic deposits to total assets | 60.7074% | 5,386 |
| Equity capital to assets | 10.2357% | 3,413 |
| Core capital (leverage) ratio | 10.4112% | 3,175 |
| Tier 1 risk-based capital ratio | 11.9901% | 4,507 |
| Total risk-based capital ratio | 13.0443% | 4,497 |
| Memoranda: | ||
| Average total assets | $51,779,750 | 4,957 |
| Average earning assets | $49,164,250 | 4,927 |
| Average equity | $5,482,250 | 5,032 |
| Average total loans | $47,190,250 | 4,415 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9273% | 961 |
| Cost of funding earning assets | 1.1009% | 291 |
| Net interest margin | 3.8264% | 2,475 |
| Noninterest income to average assets | 0.0311% | 5,440 |
| Noninterest expense to average assets | 1.5512% | 5,303 |
| Loan and lease loss provision to assets | 0.2799% | 515 |
| Net operating income to assets | 1.8350% | 540 |
| Return on assets (ROA) | 1.8350% | 542 |
| Pretax return on assets | 1.8350% | 897 |
| Return on Equity (ROE) | 17.1366% | 509 |
| Retained earnings to average equity (ytd only) | -9.0040% | 5,400 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3118% | 5,332 |
| Assets per employee ($millions) | 8.3720% | 543 |
| Cash dividends to net income (ytd only)* | 152.5424% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 4,197 |
| Loan loss allowance to noncurrent loans | 14.0426% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 6.0818% | 57 |
| Noncurrent loans to loans | 6.6358% | 69 |
| Net loans and leases to total assets | 90.7967% | 53 |
| Net loans and leases to deposits | 136.8776% | 21 |
| Net loans and leases to core deposits | 158.3811% | 84 |
| Total domestic deposits to total assets | 66.3342% | 5,380 |
| Equity capital to assets | 10.6267% | 3,001 |
| Core capital (leverage) ratio | 10.3868% | 3,150 |
| Tier 1 risk-based capital ratio | 12.1997% | 4,371 |
| Total risk-based capital ratio | 13.1802% | 4,420 |
| Memoranda: | ||
| Average total assets | $51,444,330 | 5,025 |
| Average earning assets | $48,870,670 | 4,986 |
| Average equity | $5,508,670 | 5,081 |
| Average total loans | $46,961,670 | 4,463 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9194% | 837 |
| Cost of funding earning assets | 1.0083% | 359 |
| Net interest margin | 3.9112% | 2,000 |
| Noninterest income to average assets | 0.0231% | 5,526 |
| Noninterest expense to average assets | 1.4755% | 5,413 |
| Loan and lease loss provision to assets | 0.5072% | 204 |
| Net operating income to assets | 1.7368% | 631 |
| Return on assets (ROA) | 1.7368% | 642 |
| Pretax return on assets | 1.7368% | 1,030 |
| Return on Equity (ROE) | 16.1602% | 594 |
| Retained earnings to average equity (ytd only) | 1.1441% | 4,590 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6694% | 5,464 |
| Assets per employee ($millions) | 8.6093% | 507 |
| Cash dividends to net income (ytd only)* | 92.9204% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9038% | 4,432 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 89.7863% | 68 |
| Net loans and leases to deposits | 130.6810% | 35 |
| Net loans and leases to core deposits | 152.4705% | 112 |
| Total domestic deposits to total assets | 68.7064% | 5,399 |
| Equity capital to assets | 10.8448% | 2,726 |
| Core capital (leverage) ratio | 10.9382% | 2,503 |
| Tier 1 risk-based capital ratio | 13.0428% | 3,926 |
| Total risk-based capital ratio | 14.0276% | 3,966 |
| Memoranda: | ||
| Average total assets | $52,050,500 | 5,075 |
| Average earning assets | $49,192,500 | 5,042 |
| Average equity | $5,594,000 | 5,123 |
| Average total loans | $47,423,500 | 4,500 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0129% | 630 |
| Cost of funding earning assets | 0.8731% | 430 |
| Net interest margin | 4.1398% | 1,327 |
| Noninterest income to average assets | 0.0298% | 5,570 |
| Noninterest expense to average assets | 1.4762% | 5,488 |
| Loan and lease loss provision to assets | 0.0477% | 3,271 |
| Net operating income to assets | 2.4490% | 128 |
| Return on assets (ROA) | 2.4490% | 127 |
| Pretax return on assets | 2.4490% | 194 |
| Return on Equity (ROE) | 23.3321% | 90 |
| Retained earnings to average equity (ytd only) | 6.5959% | 1,234 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1557% | 5,568 |
| Assets per employee ($millions) | 8.7408% | 490 |
| Cash dividends to net income (ytd only)* | 71.7303% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7431% | 4,970 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 90.9276% | 50 |
| Net loans and leases to deposits | 133.2225% | 36 |
| Net loans and leases to core deposits | 150.7699% | 130 |
| Total domestic deposits to total assets | 68.2525% | 5,465 |
| Equity capital to assets | 10.6512% | 2,990 |
| Core capital (leverage) ratio | 10.7917% | 2,545 |
| Tier 1 risk-based capital ratio | 12.4103% | 4,258 |
| Total risk-based capital ratio | 13.2034% | 4,445 |
| Memoranda: | ||
| Average total assets | $50,264,800 | 5,152 |
| Average earning assets | $47,876,400 | 5,111 |
| Average equity | $5,276,000 | 5,224 |
| Average total loans | $46,400,800 | 4,556 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9857% | 630 |
| Cost of funding earning assets | 0.8366% | 479 |
| Net interest margin | 4.1492% | 1,278 |
| Noninterest income to average assets | 0.0322% | 5,634 |
| Noninterest expense to average assets | 1.4400% | 5,560 |
| Loan and lease loss provision to assets | 0.0483% | 3,132 |
| Net operating income to assets | 2.5073% | 135 |
| Return on assets (ROA) | 2.5073% | 135 |
| Pretax return on assets | 2.5073% | 204 |
| Return on Equity (ROE) | 23.9808% | 89 |
| Retained earnings to average equity (ytd only) | 23.9808% | 32 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0403% | 5,639 |
| Assets per employee ($millions) | 8.5227% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7417% | 5,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 91.8590% | 37 |
| Net loans and leases to deposits | 135.0420% | 27 |
| Net loans and leases to core deposits | 153.3812% | 106 |
| Total domestic deposits to total assets | 68.0225% | 5,536 |
| Equity capital to assets | 10.3450% | 3,540 |
| Core capital (leverage) ratio | 10.4719% | 3,018 |
| Tier 1 risk-based capital ratio | 12.2431% | 4,469 |
| Total risk-based capital ratio | 13.0555% | 4,633 |
| Memoranda: | ||
| Average total assets | $49,719,750 | 5,218 |
| Average earning assets | $47,494,250 | 5,171 |
| Average equity | $5,198,500 | 5,292 |
| Average total loans | $45,990,000 | 4,612 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9480% | 623 |
| Cost of funding earning assets | 0.7985% | 528 |
| Net interest margin | 4.1495% | 1,209 |
| Noninterest income to average assets | 0.0325% | 5,680 |
| Noninterest expense to average assets | 1.4864% | 5,580 |
| Loan and lease loss provision to assets | 0.0487% | 3,016 |
| Net operating income to assets | 2.4651% | 140 |
| Return on assets (ROA) | 2.4651% | 139 |
| Pretax return on assets | 2.4651% | 227 |
| Return on Equity (ROE) | 23.4907% | 97 |
| Retained earnings to average equity (ytd only) | 23.4907% | 37 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1574% | 5,678 |
| Assets per employee ($millions) | 8.3210% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7453% | 5,096 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 92.0262% | 35 |
| Net loans and leases to deposits | 129.1533% | 46 |
| Net loans and leases to core deposits | 146.0751% | 147 |
| Total domestic deposits to total assets | 71.2535% | 5,494 |
| Equity capital to assets | 10.6017% | 3,224 |
| Core capital (leverage) ratio | 10.6638% | 2,747 |
| Tier 1 risk-based capital ratio | 12.5952% | 4,242 |
| Total risk-based capital ratio | 13.4161% | 4,396 |
| Memoranda: | ||
| Average total assets | $49,247,670 | 5,268 |
| Average earning assets | $47,090,000 | 5,216 |
| Average equity | $5,168,000 | 5,333 |
| Average total loans | $45,545,330 | 4,645 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8668% | 668 |
| Cost of funding earning assets | 0.7527% | 640 |
| Net interest margin | 4.1141% | 1,185 |
| Noninterest income to average assets | 0.0245% | 5,773 |
| Noninterest expense to average assets | 1.5703% | 5,585 |
| Loan and lease loss provision to assets | 0.0491% | 2,828 |
| Net operating income to assets | 2.3391% | 182 |
| Return on assets (ROA) | 2.3391% | 182 |
| Pretax return on assets | 2.3391% | 280 |
| Return on Equity (ROE) | 22.4072% | 137 |
| Retained earnings to average equity (ytd only) | 22.4072% | 71 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6694% | 5,703 |
| Assets per employee ($millions) | 8.1117% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7471% | 5,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 92.5396% | 14 |
| Net loans and leases to deposits | 123.0944% | 69 |
| Net loans and leases to core deposits | 139.5693% | 174 |
| Total domestic deposits to total assets | 75.1777% | 5,320 |
| Equity capital to assets | 10.2157% | 3,499 |
| Core capital (leverage) ratio | 10.2524% | 3,189 |
| Tier 1 risk-based capital ratio | 12.1212% | 4,639 |
| Total risk-based capital ratio | 12.9477% | 4,814 |
| Memoranda: | ||
| Average total assets | $48,908,500 | 5,335 |
| Average earning assets | $46,766,000 | 5,278 |
| Average equity | $5,105,500 | 5,402 |
| Average total loans | $45,173,000 | 4,699 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0271% | 564 |
| Cost of funding earning assets | 0.7497% | 634 |
| Net interest margin | 4.2774% | 964 |
| Noninterest income to average assets | 0.6960% | 2,194 |
| Noninterest expense to average assets | 1.4728% | 5,730 |
| Loan and lease loss provision to assets | 0.0497% | 3,403 |
| Net operating income to assets | 2.2330% | 215 |
| Return on assets (ROA) | 2.2330% | 226 |
| Pretax return on assets | 3.2272% | 96 |
| Return on Equity (ROE) | 22.6995% | 126 |
| Retained earnings to average equity (ytd only) | 19.5410% | 51 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.0074% | 5,866 |
| Assets per employee ($millions) | 8.1912% | 557 |
| Cash dividends to net income (ytd only)* | 13.9147% | 3,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7405% | 5,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 90.8194% | 51 |
| Net loans and leases to deposits | 123.6701% | 62 |
| Net loans and leases to core deposits | 140.5163% | 170 |
| Total domestic deposits to total assets | 73.4368% | 5,480 |
| Equity capital to assets | 10.6599% | 2,965 |
| Core capital (leverage) ratio | 10.6840% | 2,676 |
| Tier 1 risk-based capital ratio | 12.8382% | 4,177 |
| Total risk-based capital ratio | 13.6542% | 4,326 |
| Memoranda: | ||
| Average total assets | $48,276,600 | 5,380 |
| Average earning assets | $45,752,200 | 5,339 |
| Average equity | $4,749,000 | 5,516 |
| Average total loans | $44,278,800 | 4,743 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0168% | 585 |
| Cost of funding earning assets | 0.7493% | 637 |
| Net interest margin | 4.2675% | 992 |
| Noninterest income to average assets | 0.8545% | 1,565 |
| Noninterest expense to average assets | 1.5231% | 5,741 |
| Loan and lease loss provision to assets | 0.0499% | 3,245 |
| Net operating income to assets | 2.2721% | 217 |
| Return on assets (ROA) | 2.2721% | 231 |
| Pretax return on assets | 3.3264% | 100 |
| Return on Equity (ROE) | 23.6025% | 109 |
| Retained earnings to average equity (ytd only) | 19.2798% | 62 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.0872% | 5,930 |
| Assets per employee ($millions) | 8.2082% | 536 |
| Cash dividends to net income (ytd only)* | 18.3155% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7178% | 5,389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 91.8394% | 28 |
| Net loans and leases to deposits | 129.9713% | 41 |
| Net loans and leases to core deposits | 148.4021% | 131 |
| Total domestic deposits to total assets | 70.6613% | 5,656 |
| Equity capital to assets | 10.1098% | 4,030 |
| Core capital (leverage) ratio | 10.2474% | 3,284 |
| Tier 1 risk-based capital ratio | 12.1978% | 4,679 |
| Total risk-based capital ratio | 12.9988% | 4,849 |
| Memoranda: | ||
| Average total assets | $48,059,000 | 5,439 |
| Average earning assets | $45,552,250 | 5,398 |
| Average equity | $4,626,500 | 5,591 |
| Average total loans | $44,106,500 | 4,782 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9957% | 598 |
| Cost of funding earning assets | 0.7505% | 629 |
| Net interest margin | 4.2453% | 1,026 |
| Noninterest income to average assets | 1.2840% | 695 |
| Noninterest expense to average assets | 1.5442% | 5,805 |
| Loan and lease loss provision to assets | 0.0504% | 3,141 |
| Net operating income to assets | 2.6394% | 121 |
| Return on assets (ROA) | 2.6394% | 124 |
| Pretax return on assets | 3.7010% | 81 |
| Return on Equity (ROE) | 27.8998% | 60 |
| Retained earnings to average equity (ytd only) | 21.2464% | 49 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.1601% | 6,016 |
| Assets per employee ($millions) | 7.9203% | 582 |
| Cash dividends to net income (ytd only)* | 23.8474% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7265% | 5,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 92.3025% | 21 |
| Net loans and leases to deposits | 119.6313% | 103 |
| Net loans and leases to core deposits | 135.5920% | 223 |
| Total domestic deposits to total assets | 77.1558% | 5,140 |
| Equity capital to assets | 10.0774% | 4,129 |
| Core capital (leverage) ratio | 10.0874% | 3,462 |
| Tier 1 risk-based capital ratio | 12.1610% | 4,720 |
| Total risk-based capital ratio | 12.9761% | 4,907 |
| Memoranda: | ||
| Average total assets | $47,662,330 | 5,508 |
| Average earning assets | $45,038,330 | 5,480 |
| Average equity | $4,509,000 | 5,673 |
| Average total loans | $43,623,000 | 4,842 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9889% | 592 |
| Cost of funding earning assets | 0.7510% | 632 |
| Net interest margin | 4.2379% | 1,019 |
| Noninterest income to average assets | 0.0168% | 6,042 |
| Noninterest expense to average assets | 1.6928% | 5,755 |
| Loan and lease loss provision to assets | 0.0503% | 2,916 |
| Net operating income to assets | 2.2458% | 218 |
| Return on assets (ROA) | 2.2458% | 229 |
| Pretax return on assets | 2.2458% | 345 |
| Return on Equity (ROE) | 24.5365% | 108 |
| Retained earnings to average equity (ytd only) | 10.8034% | 690 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4370% | 5,910 |
| Assets per employee ($millions) | 7.8680% | 598 |
| Cash dividends to net income (ytd only)* | 55.9701% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7313% | 5,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 90.5779% | 53 |
| Net loans and leases to deposits | 117.2599% | 117 |
| Net loans and leases to core deposits | 131.5692% | 249 |
| Total domestic deposits to total assets | 77.2454% | 5,259 |
| Equity capital to assets | 9.3798% | 4,796 |
| Core capital (leverage) ratio | 9.3823% | 4,376 |
| Tier 1 risk-based capital ratio | 11.4044% | 5,279 |
| Total risk-based capital ratio | 12.2157% | 5,434 |
| Memoranda: | ||
| Average total assets | $47,732,500 | 5,561 |
| Average earning assets | $44,739,000 | 5,531 |
| Average equity | $4,369,000 | 5,747 |
| Average total loans | $43,342,000 | 4,885 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0138% | 610 |
| Cost of funding earning assets | 0.7189% | 741 |
| Net interest margin | 4.2949% | 969 |
| Noninterest income to average assets | 0.0348% | 6,037 |
| Noninterest expense to average assets | 1.5153% | 5,973 |
| Loan and lease loss provision to assets | 0.0523% | 3,269 |
| Net operating income to assets | 1.6852% | 593 |
| Return on assets (ROA) | 1.6852% | 611 |
| Pretax return on assets | 2.5256% | 194 |
| Return on Equity (ROE) | 19.1102% | 297 |
| Retained earnings to average equity (ytd only) | 15.4066% | 125 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0213% | 6,101 |
| Assets per employee ($millions) | 8.0582% | 544 |
| Cash dividends to net income (ytd only)* | 19.3798% | 3,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7086% | 5,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 89.5572% | 75 |
| Net loans and leases to deposits | 119.0476% | 110 |
| Net loans and leases to core deposits | 133.6585% | 221 |
| Total domestic deposits to total assets | 75.2280% | 5,533 |
| Equity capital to assets | 9.1046% | 5,018 |
| Core capital (leverage) ratio | 9.3891% | 4,338 |
| Tier 1 risk-based capital ratio | 10.8402% | 5,608 |
| Total risk-based capital ratio | 11.6012% | 5,766 |
| Memoranda: | ||
| Average total assets | $45,930,400 | 5,635 |
| Average earning assets | $43,400,600 | 5,597 |
| Average equity | $4,050,200 | 5,842 |
| Average total loans | $42,014,400 | 4,933 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9873% | 639 |
| Cost of funding earning assets | 0.7191% | 759 |
| Net interest margin | 4.2682% | 1,024 |
| Noninterest income to average assets | 0.0412% | 6,120 |
| Noninterest expense to average assets | 1.5090% | 6,042 |
| Loan and lease loss provision to assets | 0.0530% | 3,136 |
| Net operating income to assets | 1.8150% | 505 |
| Return on assets (ROA) | 1.8150% | 529 |
| Pretax return on assets | 2.5298% | 232 |
| Return on Equity (ROE) | 20.7622% | 233 |
| Retained earnings to average equity (ytd only) | 15.7146% | 140 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8799% | 6,177 |
| Assets per employee ($millions) | 7.6760% | 627 |
| Cash dividends to net income (ytd only)* | 24.3117% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7096% | 5,711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 92.0597% | 28 |
| Net loans and leases to deposits | 123.2959% | 77 |
| Net loans and leases to core deposits | 138.2561% | 185 |
| Total domestic deposits to total assets | 74.6656% | 5,646 |
| Equity capital to assets | 9.2170% | 5,098 |
| Core capital (leverage) ratio | 9.1361% | 4,830 |
| Tier 1 risk-based capital ratio | 11.2082% | 5,545 |
| Total risk-based capital ratio | 12.0082% | 5,710 |
| Memoranda: | ||
| Average total assets | $45,325,750 | 5,724 |
| Average earning assets | $43,014,500 | 5,679 |
| Average equity | $3,962,250 | 5,936 |
| Average total loans | $41,615,750 | 5,002 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9440% | 660 |
| Cost of funding earning assets | 0.7170% | 774 |
| Net interest margin | 4.2270% | 1,053 |
| Noninterest income to average assets | 0.0488% | 6,181 |
| Noninterest expense to average assets | 1.5926% | 6,053 |
| Loan and lease loss provision to assets | 0.0532% | 3,054 |
| Net operating income to assets | 1.7657% | 548 |
| Return on assets (ROA) | 1.7657% | 575 |
| Pretax return on assets | 2.4045% | 282 |
| Return on Equity (ROE) | 20.5791% | 244 |
| Retained earnings to average equity (ytd only) | 12.8232% | 320 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3209% | 6,214 |
| Assets per employee ($millions) | 7.6017% | 636 |
| Cash dividends to net income (ytd only)* | 37.6884% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7036% | 5,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 91.9031% | 31 |
| Net loans and leases to deposits | 114.7688% | 162 |
| Net loans and leases to core deposits | 127.7295% | 315 |
| Total domestic deposits to total assets | 80.0767% | 4,846 |
| Equity capital to assets | 8.8270% | 5,404 |
| Core capital (leverage) ratio | 8.8449% | 5,165 |
| Tier 1 risk-based capital ratio | 10.6969% | 5,845 |
| Total risk-based capital ratio | 11.4860% | 5,961 |
| Memoranda: | ||
| Average total assets | $45,082,330 | 5,789 |
| Average earning assets | $42,678,000 | 5,749 |
| Average equity | $3,868,000 | 6,012 |
| Average total loans | $41,253,670 | 5,059 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 779 |
| Cost of funding earning assets | 0.7297% | 736 |
| Net interest margin | 4.1223% | 1,223 |
| Noninterest income to average assets | 0.0535% | 6,218 |
| Noninterest expense to average assets | 1.7047% | 6,005 |
| Loan and lease loss provision to assets | 0.0535% | 2,868 |
| Net operating income to assets | 1.5351% | 795 |
| Return on assets (ROA) | 1.5351% | 836 |
| Pretax return on assets | 2.1777% | 401 |
| Return on Equity (ROE) | 18.1578% | 372 |
| Retained earnings to average equity (ytd only) | 2.3225% | 4,529 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3107% | 6,203 |
| Assets per employee ($millions) | 7.3268% | 731 |
| Cash dividends to net income (ytd only)* | 87.2093% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7203% | 5,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 91.2354% | 38 |
| Net loans and leases to deposits | 111.8929% | 183 |
| Net loans and leases to core deposits | 125.0561% | 310 |
| Total domestic deposits to total assets | 81.5382% | 4,660 |
| Equity capital to assets | 8.6440% | 5,618 |
| Core capital (leverage) ratio | 8.6552% | 5,372 |
| Tier 1 risk-based capital ratio | 10.8634% | 5,868 |
| Total risk-based capital ratio | 11.6953% | 5,984 |
| Memoranda: | ||
| Average total assets | $44,818,500 | 5,848 |
| Average earning assets | $42,209,500 | 5,808 |
| Average equity | $3,789,000 | 6,089 |
| Average total loans | $40,773,500 | 5,114 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9772% | 809 |
| Cost of funding earning assets | 0.7601% | 802 |
| Net interest margin | 4.2171% | 1,251 |
| Noninterest income to average assets | 0.0661% | 6,256 |
| Noninterest expense to average assets | 2.0914% | 5,593 |
| Loan and lease loss provision to assets | 0.0567% | 3,416 |
| Net operating income to assets | 1.0693% | 2,091 |
| Return on assets (ROA) | 1.0693% | 2,141 |
| Pretax return on assets | 1.8861% | 663 |
| Return on Equity (ROE) | 12.8038% | 1,182 |
| Retained earnings to average equity (ytd only) | 9.9774% | 523 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8432% | 5,993 |
| Assets per employee ($millions) | 7.6127% | 628 |
| Cash dividends to net income (ytd only)* | 22.0751% | 3,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6926% | 6,005 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 89.4627% | 80 |
| Net loans and leases to deposits | 118.1763% | 110 |
| Net loans and leases to core deposits | 130.1038% | 245 |
| Total domestic deposits to total assets | 75.7028% | 5,786 |
| Equity capital to assets | 8.2713% | 5,915 |
| Core capital (leverage) ratio | 8.5688% | 5,480 |
| Tier 1 risk-based capital ratio | 10.8945% | 5,950 |
| Total risk-based capital ratio | 11.7164% | 6,055 |
| Memoranda: | ||
| Average total assets | $42,363,200 | 5,975 |
| Average earning assets | $39,861,600 | 5,922 |
| Average equity | $3,538,000 | 6,173 |
| Average total loans | $38,464,400 | 5,236 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9511% | 841 |
| Cost of funding earning assets | 0.7656% | 816 |
| Net interest margin | 4.1855% | 1,331 |
| Noninterest income to average assets | 0.0674% | 6,337 |
| Noninterest expense to average assets | 2.4717% | 4,610 |
| Loan and lease loss provision to assets | 0.0578% | 3,213 |
| Net operating income to assets | 0.7929% | 3,453 |
| Return on assets (ROA) | 0.7929% | 3,562 |
| Pretax return on assets | 1.4863% | 1,692 |
| Return on Equity (ROE) | 9.4689% | 2,462 |
| Retained earnings to average equity (ytd only) | 5.6354% | 2,644 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5508% | 4,954 |
| Assets per employee ($millions) | 7.1890% | 739 |
| Cash dividends to net income (ytd only)* | 40.4852% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7093% | 6,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 90.5411% | 46 |
| Net loans and leases to deposits | 119.2743% | 107 |
| Net loans and leases to core deposits | 124.4987% | 305 |
| Total domestic deposits to total assets | 75.9100% | 5,829 |
| Equity capital to assets | 8.2812% | 5,960 |
| Core capital (leverage) ratio | 8.4608% | 5,698 |
| Tier 1 risk-based capital ratio | 10.7795% | 6,098 |
| Total risk-based capital ratio | 11.6215% | 6,206 |
| Memoranda: | ||
| Average total assets | $41,535,000 | 6,067 |
| Average earning assets | $39,182,000 | 6,013 |
| Average equity | $3,478,000 | 6,253 |
| Average total loans | $37,793,500 | 5,308 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9216% | 875 |
| Cost of funding earning assets | 0.7703% | 833 |
| Net interest margin | 4.1513% | 1,380 |
| Noninterest income to average assets | 0.0683% | 6,383 |
| Noninterest expense to average assets | 2.5462% | 4,434 |
| Loan and lease loss provision to assets | 0.0585% | 3,112 |
| Net operating income to assets | 0.6780% | 3,954 |
| Return on assets (ROA) | 0.6780% | 4,055 |
| Pretax return on assets | 1.3804% | 1,969 |
| Return on Equity (ROE) | 8.0658% | 3,053 |
| Retained earnings to average equity (ytd only) | 2.2631% | 4,757 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8923% | 4,701 |
| Assets per employee ($millions) | 6.8317% | 865 |
| Cash dividends to net income (ytd only)* | 71.9424% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7225% | 6,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 91.5150% | 30 |
| Net loans and leases to deposits | 109.0243% | 227 |
| Net loans and leases to core deposits | 112.6960% | 581 |
| Total domestic deposits to total assets | 83.9400% | 3,937 |
| Equity capital to assets | 8.4508% | 5,839 |
| Core capital (leverage) ratio | 8.5662% | 5,566 |
| Tier 1 risk-based capital ratio | 10.8358% | 6,116 |
| Total risk-based capital ratio | 11.6898% | 6,217 |
| Memoranda: | ||
| Average total assets | $41,002,000 | 6,142 |
| Average earning assets | $38,686,330 | 6,082 |
| Average equity | $3,446,670 | 6,303 |
| Average total loans | $37,280,330 | 5,362 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9331% | 818 |
| Cost of funding earning assets | 0.7701% | 877 |
| Net interest margin | 4.1629% | 1,311 |
| Noninterest income to average assets | 0.0488% | 6,485 |
| Noninterest expense to average assets | 1.9606% | 5,961 |
| Loan and lease loss provision to assets | 0.0585% | 2,947 |
| Net operating income to assets | 1.2290% | 1,402 |
| Return on assets (ROA) | 1.2290% | 1,456 |
| Pretax return on assets | 1.9313% | 611 |
| Return on Equity (ROE) | 14.6597% | 827 |
| Retained earnings to average equity (ytd only) | 3.0250% | 4,297 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6296% | 6,276 |
| Assets per employee ($millions) | 6.8123% | 880 |
| Cash dividends to net income (ytd only)* | 79.3651% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7287% | 6,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 88.9881% | 62 |
| Net loans and leases to deposits | 101.6431% | 377 |
| Net loans and leases to core deposits | 104.9635% | 798 |
| Total domestic deposits to total assets | 87.5495% | 2,480 |
| Equity capital to assets | 8.4430% | 5,701 |
| Core capital (leverage) ratio | 8.4575% | 5,695 |
| Tier 1 risk-based capital ratio | 11.1984% | 6,076 |
| Total risk-based capital ratio | 12.0648% | 6,192 |
| Memoranda: | ||
| Average total assets | $41,008,000 | 6,203 |
| Average earning assets | $38,434,500 | 6,150 |
| Average equity | $3,438,000 | 6,354 |
| Average total loans | $37,028,000 | 5,423 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8971% | 1,105 |
| Cost of funding earning assets | 0.8737% | 848 |
| Net interest margin | 4.0234% | 1,888 |
| Noninterest income to average assets | 0.0468% | 6,556 |
| Noninterest expense to average assets | 1.8633% | 6,240 |
| Loan and lease loss provision to assets | 0.0312% | 4,489 |
| Net operating income to assets | 1.1659% | 1,695 |
| Return on assets (ROA) | 1.1659% | 1,755 |
| Pretax return on assets | 1.9154% | 584 |
| Return on Equity (ROE) | 13.9079% | 971 |
| Retained earnings to average equity (ytd only) | 10.8034% | 448 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9071% | 6,448 |
| Assets per employee ($millions) | 6.8570% | 827 |
| Cash dividends to net income (ytd only)* | 22.3214% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6976% | 6,347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 90.3092% | 41 |
| Net loans and leases to deposits | 112.0950% | 137 |
| Net loans and leases to core deposits | 116.0586% | 417 |
| Total domestic deposits to total assets | 80.5649% | 5,303 |
| Equity capital to assets | 8.3248% | 5,764 |
| Core capital (leverage) ratio | 8.6918% | 5,424 |
| Tier 1 risk-based capital ratio | 10.4936% | 6,366 |
| Total risk-based capital ratio | 11.2932% | 6,467 |
| Memoranda: | ||
| Average total assets | $38,426,200 | 6,332 |
| Average earning assets | $35,939,400 | 6,290 |
| Average equity | $3,221,200 | 6,492 |
| Average total loans | $33,935,200 | 5,585 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8591% | 1,216 |
| Cost of funding earning assets | 0.9007% | 812 |
| Net interest margin | 3.9584% | 2,081 |
| Noninterest income to average assets | 0.0495% | 6,636 |
| Noninterest expense to average assets | 1.7096% | 6,461 |
| Loan and lease loss provision to assets | 0.0318% | 4,373 |
| Net operating income to assets | 1.2398% | 1,508 |
| Return on assets (ROA) | 1.2398% | 1,588 |
| Pretax return on assets | 2.0027% | 574 |
| Return on Equity (ROE) | 14.7619% | 843 |
| Retained earnings to average equity (ytd only) | 10.5563% | 674 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6604% | 6,604 |
| Assets per employee ($millions) | 6.3910% | 978 |
| Cash dividends to net income (ytd only)* | 28.4899% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7481% | 6,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 89.2609% | 53 |
| Net loans and leases to deposits | 101.4253% | 411 |
| Net loans and leases to core deposits | 104.9263% | 826 |
| Total domestic deposits to total assets | 88.0066% | 2,126 |
| Equity capital to assets | 8.6815% | 5,542 |
| Core capital (leverage) ratio | 8.8761% | 5,283 |
| Tier 1 risk-based capital ratio | 11.1786% | 6,201 |
| Total risk-based capital ratio | 12.0450% | 6,329 |
| Memoranda: | ||
| Average total assets | $37,747,250 | 6,415 |
| Average earning assets | $35,232,250 | 6,382 |
| Average equity | $3,170,250 | 6,576 |
| Average total loans | $33,065,000 | 5,677 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7666% | 1,405 |
| Cost of funding earning assets | 0.9259% | 790 |
| Net interest margin | 3.8407% | 2,408 |
| Noninterest income to average assets | 0.0586% | 6,645 |
| Noninterest expense to average assets | 1.6246% | 6,567 |
| Loan and lease loss provision to assets | 0.0320% | 4,290 |
| Net operating income to assets | 1.2145% | 1,554 |
| Return on assets (ROA) | 1.2145% | 1,658 |
| Pretax return on assets | 1.9815% | 629 |
| Return on Equity (ROE) | 14.6279% | 886 |
| Retained earnings to average equity (ytd only) | 8.2122% | 1,397 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6559% | 6,691 |
| Assets per employee ($millions) | 6.1773% | 1,086 |
| Cash dividends to net income (ytd only)* | 43.8596% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7659% | 6,411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 89.1458% | 60 |
| Net loans and leases to deposits | 97.7834% | 554 |
| Net loans and leases to core deposits | 101.1511% | 993 |
| Total domestic deposits to total assets | 91.1666% | 487 |
| Equity capital to assets | 8.6472% | 5,615 |
| Core capital (leverage) ratio | 8.5258% | 5,641 |
| Tier 1 risk-based capital ratio | 11.2979% | 6,206 |
| Total risk-based capital ratio | 12.1968% | 6,329 |
| Memoranda: | ||
| Average total assets | $37,547,670 | 6,469 |
| Average earning assets | $34,993,670 | 6,433 |
| Average equity | $3,117,330 | 6,632 |
| Average total loans | $32,591,330 | 5,731 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6480% | 1,682 |
| Cost of funding earning assets | 0.9456% | 797 |
| Net interest margin | 3.7025% | 2,842 |
| Noninterest income to average assets | 0.0529% | 6,723 |
| Noninterest expense to average assets | 1.7148% | 6,543 |
| Loan and lease loss provision to assets | 0.0318% | 4,049 |
| Net operating income to assets | 0.9844% | 2,293 |
| Return on assets (ROA) | 0.9844% | 2,416 |
| Pretax return on assets | 1.7465% | 979 |
| Return on Equity (ROE) | 12.1035% | 1,390 |
| Retained earnings to average equity (ytd only) | -0.9110% | 5,937 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0909% | 6,565 |
| Assets per employee ($millions) | 6.3793% | 1,035 |
| Cash dividends to net income (ytd only)* | 107.5269% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8180% | 6,427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 79.8229% | 440 |
| Net loans and leases to deposits | 86.9762% | 1,252 |
| Net loans and leases to core deposits | 89.8459% | 1,711 |
| Total domestic deposits to total assets | 91.7755% | 291 |
| Equity capital to assets | 8.0207% | 6,368 |
| Core capital (leverage) ratio | 7.9486% | 6,188 |
| Tier 1 risk-based capital ratio | 11.6606% | 6,104 |
| Total risk-based capital ratio | 12.6177% | 6,225 |
| Memoranda: | ||
| Average total assets | $37,789,500 | 6,527 |
| Average earning assets | $35,111,500 | 6,487 |
| Average equity | $3,073,500 | 6,704 |
| Average total loans | $32,239,000 | 5,785 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7378% | 408 |
| Cost of funding earning assets | 1.2235% | 519 |
| Net interest margin | 4.5143% | 917 |
| Noninterest income to average assets | 0.0809% | 6,582 |
| Noninterest expense to average assets | 1.8522% | 6,552 |
| Loan and lease loss provision to assets | 0.0335% | 5,470 |
| Net operating income to assets | 1.5761% | 791 |
| Return on assets (ROA) | 1.5761% | 870 |
| Pretax return on assets | 2.3432% | 315 |
| Return on Equity (ROE) | 20.1973% | 298 |
| Retained earnings to average equity (ytd only) | 20.1973% | 60 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7995% | 6,855 |
| Assets per employee ($millions) | 6.2172% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7395% | 6,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 89.6014% | 60 |
| Net loans and leases to deposits | 102.4271% | 313 |
| Net loans and leases to core deposits | 106.1079% | 685 |
| Total domestic deposits to total assets | 87.4782% | 2,539 |
| Equity capital to assets | 8.2487% | 6,241 |
| Core capital (leverage) ratio | 8.4510% | 5,694 |
| Tier 1 risk-based capital ratio | 10.8574% | 6,402 |
| Total risk-based capital ratio | 11.7361% | 6,532 |
| Memoranda: | ||
| Average total assets | $35,848,800 | 6,610 |
| Average earning assets | $32,939,600 | 6,585 |
| Average equity | $2,797,400 | 6,822 |
| Average total loans | $31,533,400 | 5,874 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0259% | 273 |
| Cost of funding earning assets | 1.2989% | 439 |
| Net interest margin | 4.7270% | 634 |
| Noninterest income to average assets | 0.0902% | 6,654 |
| Noninterest expense to average assets | 1.9200% | 6,488 |
| Loan and lease loss provision to assets | 0.0338% | 5,351 |
| Net operating income to assets | 1.6795% | 723 |
| Return on assets (ROA) | 1.6795% | 803 |
| Pretax return on assets | 2.4573% | 317 |
| Return on Equity (ROE) | 21.8511% | 246 |
| Retained earnings to average equity (ytd only) | 21.8511% | 66 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5264% | 6,911 |
| Assets per employee ($millions) | 5.8522% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7970% | 6,608 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 87.1985% | 108 |
| Net loans and leases to deposits | 95.5230% | 690 |
| Net loans and leases to core deposits | 98.9977% | 1,191 |
| Total domestic deposits to total assets | 91.2853% | 335 |
| Equity capital to assets | 8.4271% | 6,322 |
| Core capital (leverage) ratio | 8.2502% | 6,085 |
| Tier 1 risk-based capital ratio | 11.1948% | 6,397 |
| Total risk-based capital ratio | 12.1255% | 6,511 |
| Memoranda: | ||
| Average total assets | $35,485,250 | 6,704 |
| Average earning assets | $32,436,750 | 6,678 |
| Average equity | $2,727,500 | 6,927 |
| Average total loans | $30,998,500 | 5,974 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9906% | 296 |
| Cost of funding earning assets | 1.3470% | 432 |
| Net interest margin | 4.6436% | 757 |
| Noninterest income to average assets | 0.0842% | 6,738 |
| Noninterest expense to average assets | 1.9714% | 6,489 |
| Loan and lease loss provision to assets | 0.0337% | 5,248 |
| Net operating income to assets | 1.5389% | 935 |
| Return on assets (ROA) | 1.5389% | 1,048 |
| Pretax return on assets | 2.3196% | 396 |
| Return on Equity (ROE) | 20.6767% | 313 |
| Retained earnings to average equity (ytd only) | 20.6767% | 92 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5844% | 6,898 |
| Assets per employee ($millions) | 5.8525% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7775% | 6,720 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 88.3155% | 71 |
| Net loans and leases to deposits | 96.2179% | 615 |
| Net loans and leases to core deposits | 99.6914% | 1,122 |
| Total domestic deposits to total assets | 91.7870% | 262 |
| Equity capital to assets | 7.9339% | 6,611 |
| Core capital (leverage) ratio | 7.8155% | 6,441 |
| Tier 1 risk-based capital ratio | 10.6036% | 6,660 |
| Total risk-based capital ratio | 11.5285% | 6,744 |
| Memoranda: | ||
| Average total assets | $35,609,330 | 6,751 |
| Average earning assets | $32,517,670 | 6,721 |
| Average equity | $2,650,330 | 6,978 |
| Average total loans | $31,043,330 | 6,013 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9304% | 341 |
| Cost of funding earning assets | 1.4238% | 386 |
| Net interest margin | 4.5066% | 1,002 |
| Noninterest income to average assets | 0.0781% | 6,833 |
| Noninterest expense to average assets | 1.8964% | 6,654 |
| Loan and lease loss provision to assets | 0.0335% | 4,958 |
| Net operating income to assets | 1.5729% | 911 |
| Return on assets (ROA) | 1.5729% | 1,017 |
| Pretax return on assets | 2.2088% | 528 |
| Return on Equity (ROE) | 21.8393% | 282 |
| Retained earnings to average equity (ytd only) | 21.8393% | 135 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8221% | 6,909 |
| Assets per employee ($millions) | 5.7983% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7894% | 6,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 86.7002% | 101 |
| Net loans and leases to deposits | 94.3065% | 637 |
| Net loans and leases to core deposits | 98.5848% | 1,085 |
| Total domestic deposits to total assets | 91.9345% | 272 |
| Equity capital to assets | 7.6258% | 6,725 |
| Core capital (leverage) ratio | 7.3133% | 6,721 |
| Tier 1 risk-based capital ratio | 10.1813% | 6,837 |
| Total risk-based capital ratio | 11.1313% | 6,905 |
| Memoranda: | ||
| Average total assets | $35,856,500 | 6,799 |
| Average earning assets | $32,308,000 | 6,784 |
| Average equity | $2,582,500 | 7,049 |
| Average total loans | $30,937,500 | 6,066 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0564% | 393 |
| Cost of funding earning assets | 1.7455% | 266 |
| Net interest margin | 4.3109% | 1,666 |
| Noninterest income to average assets | 0.1027% | 6,628 |
| Noninterest expense to average assets | 2.0273% | 6,629 |
| Loan and lease loss provision to assets | 0.0363% | 6,112 |
| Net operating income to assets | 0.3595% | 5,035 |
| Return on assets (ROA) | 0.3595% | 5,197 |
| Pretax return on assets | 1.9790% | 555 |
| Return on Equity (ROE) | 4.6777% | 4,539 |
| Retained earnings to average equity (ytd only) | -1.2186% | 6,046 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1495% | 6,826 |
| Assets per employee ($millions) | 7.3846% | 600 |
| Cash dividends to net income (ytd only)* | 126.0504% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7531% | 6,831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 84.5950% | 184 |
| Net loans and leases to deposits | 94.8585% | 750 |
| Net loans and leases to core deposits | 99.0612% | 1,256 |
| Total domestic deposits to total assets | 89.1802% | 1,434 |
| Equity capital to assets | 6.8033% | 7,005 |
| Core capital (leverage) ratio | 7.1101% | 6,828 |
| Tier 1 risk-based capital ratio | 9.5947% | 6,941 |
| Total risk-based capital ratio | 10.5301% | 6,991 |
| Memoranda: | ||
| Average total assets | $33,097,600 | 6,891 |
| Average earning assets | $30,249,000 | 6,863 |
| Average equity | $2,544,000 | 7,111 |
| Average total loans | $29,093,400 | 6,200 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1008% | 389 |
| Cost of funding earning assets | 1.8208% | 244 |
| Net interest margin | 4.2800% | 1,792 |
| Noninterest income to average assets | 0.1120% | 6,697 |
| Noninterest expense to average assets | 2.1488% | 6,399 |
| Loan and lease loss provision to assets | 0.0373% | 5,971 |
| Net operating income to assets | 1.0910% | 2,006 |
| Return on assets (ROA) | 1.0910% | 2,148 |
| Pretax return on assets | 1.8750% | 827 |
| Return on Equity (ROE) | 13.7406% | 1,096 |
| Retained earnings to average equity (ytd only) | 5.9036% | 2,613 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9111% | 6,602 |
| Assets per employee ($millions) | 5.4180% | 1,682 |
| Cash dividends to net income (ytd only)* | 57.0353% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8035% | 6,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 88.8704% | 55 |
| Net loans and leases to deposits | 97.2105% | 622 |
| Net loans and leases to core deposits | 101.9839% | 1,096 |
| Total domestic deposits to total assets | 91.4206% | 314 |
| Equity capital to assets | 8.1703% | 6,584 |
| Core capital (leverage) ratio | 7.9142% | 6,472 |
| Tier 1 risk-based capital ratio | 11.7543% | 6,066 |
| Total risk-based capital ratio | 12.7899% | 6,209 |
| Memoranda: | ||
| Average total assets | $32,141,250 | 6,978 |
| Average earning assets | $29,656,500 | 6,940 |
| Average equity | $2,552,000 | 7,178 |
| Average total loans | $28,498,750 | 6,281 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1188% | 372 |
| Cost of funding earning assets | 1.8676% | 243 |
| Net interest margin | 4.2513% | 1,838 |
| Noninterest income to average assets | 0.1124% | 6,768 |
| Noninterest expense to average assets | 2.1987% | 6,389 |
| Loan and lease loss provision to assets | 0.0375% | 5,844 |
| Net operating income to assets | 0.9994% | 2,233 |
| Return on assets (ROA) | 0.9994% | 2,334 |
| Pretax return on assets | 1.7864% | 906 |
| Return on Equity (ROE) | 12.7119% | 1,271 |
| Retained earnings to average equity (ytd only) | 0.7945% | 5,541 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6584% | 6,551 |
| Assets per employee ($millions) | 5.4675% | 1,599 |
| Cash dividends to net income (ytd only)* | 93.7500% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8191% | 6,833 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 85.2583% | 170 |
| Net loans and leases to deposits | 92.8339% | 967 |
| Net loans and leases to core deposits | 96.4515% | 1,633 |
| Total domestic deposits to total assets | 91.8397% | 271 |
| Equity capital to assets | 7.7824% | 6,816 |
| Core capital (leverage) ratio | 7.8217% | 6,494 |
| Tier 1 risk-based capital ratio | 11.5767% | 6,108 |
| Total risk-based capital ratio | 12.6241% | 6,255 |
| Memoranda: | ||
| Average total assets | $32,019,000 | 7,042 |
| Average earning assets | $29,450,000 | 7,015 |
| Average equity | $2,517,330 | 7,243 |
| Average total loans | $28,290,330 | 6,351 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9666% | 504 |
| Cost of funding earning assets | 1.9120% | 237 |
| Net interest margin | 4.0546% | 2,456 |
| Noninterest income to average assets | 0.1012% | 6,907 |
| Noninterest expense to average assets | 2.2513% | 6,301 |
| Loan and lease loss provision to assets | 0.0379% | 5,517 |
| Net operating income to assets | 0.7968% | 3,051 |
| Return on assets (ROA) | 0.7968% | 3,120 |
| Pretax return on assets | 1.5936% | 1,209 |
| Return on Equity (ROE) | 10.0820% | 2,067 |
| Retained earnings to average equity (ytd only) | -13.9228% | 7,011 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9805% | 6,273 |
| Assets per employee ($millions) | 5.1912% | 1,902 |
| Cash dividends to net income (ytd only)* | 238.0952% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 6,855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 87.1513% | 97 |
| Net loans and leases to deposits | 95.1188% | 745 |
| Net loans and leases to core deposits | 99.0296% | 1,427 |
| Total domestic deposits to total assets | 91.6236% | 386 |
| Equity capital to assets | 7.8852% | 6,608 |
| Core capital (leverage) ratio | 7.2848% | 6,868 |
| Tier 1 risk-based capital ratio | 11.4997% | 6,106 |
| Total risk-based capital ratio | 12.5673% | 6,224 |
| Memoranda: | ||
| Average total assets | $31,626,000 | 7,105 |
| Average earning assets | $29,497,500 | 7,067 |
| Average equity | $2,499,500 | 7,293 |
| Average total loans | $28,335,500 | 6,401 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3564% | 416 |
| Cost of funding earning assets | 1.9656% | 685 |
| Net interest margin | 4.3908% | 1,507 |
| Noninterest income to average assets | 0.0972% | 6,909 |
| Noninterest expense to average assets | 2.1544% | 6,720 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0723% | 1,790 |
| Return on assets (ROA) | 1.0723% | 1,883 |
| Pretax return on assets | 2.0604% | 426 |
| Return on Equity (ROE) | 13.6427% | 955 |
| Retained earnings to average equity (ytd only) | 7.4602% | 1,157 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1145% | 7,054 |
| Assets per employee ($millions) | 4.5864% | 2,733 |
| Cash dividends to net income (ytd only)* | 45.3172% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7680% | 7,032 |
| Loan loss allowance to noncurrent loans | 11,250.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 7,248 |
| Noncurrent loans to loans | 0.0068% | 7,149 |
| Net loans and leases to total assets | 90.5560% | 48 |
| Net loans and leases to deposits | 108.1142% | 269 |
| Net loans and leases to core deposits | 121.2486% | 497 |
| Total domestic deposits to total assets | 83.7595% | 4,472 |
| Equity capital to assets | 7.9209% | 6,561 |
| Core capital (leverage) ratio | 7.7389% | 6,507 |
| Tier 1 risk-based capital ratio | 10.9972% | 6,325 |
| Total risk-based capital ratio | 11.9702% | 6,521 |
| Memoranda: | ||
| Average total assets | $30,867,600 | 7,176 |
| Average earning assets | $28,947,200 | 7,128 |
| Average equity | $2,426,200 | 7,415 |
| Average total loans | $27,821,400 | 6,507 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3985% | 415 |
| Cost of funding earning assets | 1.9882% | 784 |
| Net interest margin | 4.4103% | 1,494 |
| Noninterest income to average assets | 0.1091% | 7,003 |
| Noninterest expense to average assets | 2.1816% | 6,655 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4006% | 1,104 |
| Return on assets (ROA) | 1.4006% | 1,176 |
| Pretax return on assets | 2.0507% | 557 |
| Return on Equity (ROE) | 17.8552% | 492 |
| Retained earnings to average equity (ytd only) | 9.5115% | 908 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5464% | 7,025 |
| Assets per employee ($millions) | 5.3235% | 1,802 |
| Cash dividends to net income (ytd only)* | 46.7301% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7799% | 7,045 |
| Loan loss allowance to noncurrent loans | 22,500.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 7,373 |
| Noncurrent loans to loans | 0.0035% | 7,265 |
| Net loans and leases to total assets | 89.6184% | 65 |
| Net loans and leases to deposits | 111.5071% | 226 |
| Net loans and leases to core deposits | 125.7081% | 454 |
| Total domestic deposits to total assets | 80.3701% | 5,589 |
| Equity capital to assets | 7.9302% | 6,853 |
| Core capital (leverage) ratio | 7.9030% | 6,464 |
| Tier 1 risk-based capital ratio | 11.0742% | 6,313 |
| Total risk-based capital ratio | 12.0579% | 6,527 |
| Memoranda: | ||
| Average total assets | $30,558,250 | 7,268 |
| Average earning assets | $28,568,500 | 7,225 |
| Average equity | $2,397,000 | 7,519 |
| Average total loans | $27,452,250 | 6,617 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3875% | 424 |
| Cost of funding earning assets | 2.0010% | 914 |
| Net interest margin | 4.3865% | 1,487 |
| Noninterest income to average assets | 0.1063% | 7,068 |
| Noninterest expense to average assets | 2.2460% | 6,526 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2958% | 1,319 |
| Return on assets (ROA) | 1.2958% | 1,380 |
| Pretax return on assets | 1.9537% | 660 |
| Return on Equity (ROE) | 16.5840% | 619 |
| Retained earnings to average equity (ytd only) | 3.8271% | 3,656 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4810% | 6,936 |
| Assets per employee ($millions) | 5.1385% | 2,002 |
| Cash dividends to net income (ytd only)* | 76.9231% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7991% | 7,034 |
| Loan loss allowance to noncurrent loans | 11,250.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 7,406 |
| Noncurrent loans to loans | 0.0071% | 7,318 |
| Net loans and leases to total assets | 90.5939% | 52 |
| Net loans and leases to deposits | 114.5089% | 198 |
| Net loans and leases to core deposits | 128.4479% | 450 |
| Total domestic deposits to total assets | 79.1152% | 6,004 |
| Equity capital to assets | 7.8071% | 6,920 |
| Core capital (leverage) ratio | 8.0025% | 6,274 |
| Tier 1 risk-based capital ratio | 10.9290% | 6,312 |
| Total risk-based capital ratio | 11.9506% | 6,517 |
| Memoranda: | ||
| Average total assets | $30,097,330 | 7,344 |
| Average earning assets | $28,086,000 | 7,289 |
| Average equity | $2,351,670 | 7,589 |
| Average total loans | $26,986,330 | 6,692 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3493% | 486 |
| Cost of funding earning assets | 2.0533% | 936 |
| Net interest margin | 4.2960% | 1,701 |
| Noninterest income to average assets | 0.0942% | 7,239 |
| Noninterest expense to average assets | 2.3948% | 6,107 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9956% | 2,206 |
| Return on assets (ROA) | 0.9956% | 2,274 |
| Pretax return on assets | 1.6683% | 1,124 |
| Return on Equity (ROE) | 12.7367% | 1,315 |
| Retained earnings to average equity (ytd only) | -13.0809% | 7,125 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9404% | 6,349 |
| Assets per employee ($millions) | 5.9216% | 1,314 |
| Cash dividends to net income (ytd only)* | 202.7027% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 6,954 |
| Loan loss allowance to noncurrent loans | 22,500.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 7,498 |
| Noncurrent loans to loans | 0.0038% | 7,415 |
| Net loans and leases to total assets | 87.4865% | 148 |
| Net loans and leases to deposits | 104.4939% | 499 |
| Net loans and leases to core deposits | 116.1778% | 941 |
| Total domestic deposits to total assets | 83.7240% | 4,284 |
| Equity capital to assets | 7.7209% | 6,913 |
| Core capital (leverage) ratio | 7.7188% | 6,602 |
| Tier 1 risk-based capital ratio | 11.3359% | 5,823 |
| Total risk-based capital ratio | 12.4517% | 5,913 |
| Memoranda: | ||
| Average total assets | $29,730,500 | 7,452 |
| Average earning assets | $27,467,500 | 7,407 |
| Average equity | $2,324,000 | 7,682 |
| Average total loans | $26,401,500 | 6,812 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8053% | 378 |
| Cost of funding earning assets | 2.2554% | 1,818 |
| Net interest margin | 4.5499% | 1,075 |
| Noninterest income to average assets | 0.1389% | 7,051 |
| Noninterest expense to average assets | 2.2291% | 6,917 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.5238% | 644 |
| Return on assets (ROA) | 1.5238% | 684 |
| Pretax return on assets | 2.1560% | 309 |
| Return on Equity (ROE) | 19.2699% | 284 |
| Retained earnings to average equity (ytd only) | 14.6488% | 101 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8333% | 7,485 |
| Assets per employee ($millions) | 5.9706% | 1,267 |
| Cash dividends to net income (ytd only)* | 23.9808% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8435% | 7,004 |
| Loan loss allowance to noncurrent loans | 2,045.4545% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 7,424 |
| Noncurrent loans to loans | 0.0412% | 7,328 |
| Net loans and leases to total assets | 88.6008% | 146 |
| Net loans and leases to deposits | 109.7465% | 392 |
| Net loans and leases to core deposits | 143.9769% | 676 |
| Total domestic deposits to total assets | 80.7323% | 5,429 |
| Equity capital to assets | 7.9121% | 6,661 |
| Core capital (leverage) ratio | 7.9647% | 6,243 |
| Tier 1 risk-based capital ratio | 11.2289% | 5,682 |
| Total risk-based capital ratio | 12.2986% | 5,840 |
| Memoranda: | ||
| Average total assets | $27,365,600 | 7,569 |
| Average earning assets | $25,538,800 | 7,521 |
| Average equity | $2,164,000 | 7,810 |
| Average total loans | $24,544,400 | 6,944 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8814% | 365 |
| Cost of funding earning assets | 2.3080% | 1,951 |
| Net interest margin | 4.5734% | 1,033 |
| Noninterest income to average assets | 0.1596% | 7,057 |
| Noninterest expense to average assets | 2.3083% | 6,679 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4807% | 851 |
| Return on assets (ROA) | 1.4807% | 911 |
| Pretax return on assets | 2.1288% | 417 |
| Return on Equity (ROE) | 18.7274% | 381 |
| Retained earnings to average equity (ytd only) | 12.4218% | 306 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0225% | 7,412 |
| Assets per employee ($millions) | 5.7116% | 1,425 |
| Cash dividends to net income (ytd only)* | 33.6700% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8708% | 6,880 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 7,429 |
| Noncurrent loans to loans | 0.0581% | 7,356 |
| Net loans and leases to total assets | 89.6912% | 130 |
| Net loans and leases to deposits | 119.2181% | 219 |
| Net loans and leases to core deposits | 150.5732% | 570 |
| Total domestic deposits to total assets | 75.2329% | 6,732 |
| Equity capital to assets | 7.8507% | 6,987 |
| Core capital (leverage) ratio | 7.9934% | 6,370 |
| Tier 1 risk-based capital ratio | 10.9875% | 5,964 |
| Total risk-based capital ratio | 12.0902% | 6,072 |
| Memoranda: | ||
| Average total assets | $26,743,750 | 7,659 |
| Average earning assets | $25,013,750 | 7,613 |
| Average equity | $2,114,500 | 7,900 |
| Average total loans | $24,011,750 | 7,032 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0539% | 288 |
| Cost of funding earning assets | 2.3950% | 1,988 |
| Net interest margin | 4.6589% | 860 |
| Noninterest income to average assets | 0.1530% | 7,175 |
| Noninterest expense to average assets | 2.3337% | 6,665 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5073% | 823 |
| Return on assets (ROA) | 1.5073% | 880 |
| Pretax return on assets | 2.1653% | 386 |
| Return on Equity (ROE) | 19.0154% | 401 |
| Retained earnings to average equity (ytd only) | 9.3629% | 845 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8707% | 7,524 |
| Assets per employee ($millions) | 5.3970% | 1,670 |
| Cash dividends to net income (ytd only)* | 50.7614% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 6,665 |
| Loan loss allowance to noncurrent loans | 3,750.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 7,574 |
| Noncurrent loans to loans | 0.0247% | 7,478 |
| Net loans and leases to total assets | 89.2607% | 169 |
| Net loans and leases to deposits | 114.5636% | 373 |
| Net loans and leases to core deposits | 141.9973% | 932 |
| Total domestic deposits to total assets | 77.9137% | 6,097 |
| Equity capital to assets | 7.9377% | 6,820 |
| Core capital (leverage) ratio | 7.9605% | 6,401 |
| Tier 1 risk-based capital ratio | 11.6255% | 5,264 |
| Total risk-based capital ratio | 12.8467% | 5,222 |
| Memoranda: | ||
| Average total assets | $26,139,000 | 7,749 |
| Average earning assets | $24,383,670 | 7,708 |
| Average equity | $2,072,000 | 7,989 |
| Average total loans | $23,402,670 | 7,122 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9664% | 367 |
| Cost of funding earning assets | 2.5957% | 1,581 |
| Net interest margin | 4.3708% | 1,420 |
| Noninterest income to average assets | 0.1400% | 7,300 |
| Noninterest expense to average assets | 2.1621% | 6,975 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3377% | 1,297 |
| Return on assets (ROA) | 1.3377% | 1,392 |
| Pretax return on assets | 2.0376% | 624 |
| Return on Equity (ROE) | 16.8876% | 702 |
| Retained earnings to average equity (ytd only) | -2.7491% | 6,233 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4815% | 7,470 |
| Assets per employee ($millions) | 5.1990% | 1,843 |
| Cash dividends to net income (ytd only)* | 116.2791% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9754% | 6,344 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 7,513 |
| Noncurrent loans to loans | 0.0390% | 7,435 |
| Net loans and leases to total assets | 87.8746% | 273 |
| Net loans and leases to deposits | 112.4772% | 500 |
| Net loans and leases to core deposits | 139.4567% | 1,129 |
| Total domestic deposits to total assets | 78.1266% | 5,967 |
| Equity capital to assets | 7.8053% | 7,064 |
| Core capital (leverage) ratio | 7.8894% | 6,637 |
| Tier 1 risk-based capital ratio | 11.6076% | 5,295 |
| Total risk-based capital ratio | 12.8604% | 5,202 |
| Memoranda: | ||
| Average total assets | $25,716,000 | 7,811 |
| Average earning assets | $23,886,000 | 7,770 |
| Average equity | $2,037,000 | 8,051 |
| Average total loans | $22,948,000 | 7,184 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5925% | 344 |
| Cost of funding earning assets | 3.3217% | 868 |
| Net interest margin | 4.2708% | 2,070 |
| Noninterest income to average assets | 0.1656% | 7,239 |
| Noninterest expense to average assets | 2.1571% | 7,099 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2586% | 1,609 |
| Return on assets (ROA) | 1.2586% | 1,552 |
| Pretax return on assets | 1.9583% | 679 |
| Return on Equity (ROE) | 15.8680% | 792 |
| Retained earnings to average equity (ytd only) | 10.6483% | 369 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4145% | 7,447 |
| Assets per employee ($millions) | 5.0874% | 1,857 |
| Cash dividends to net income (ytd only)* | 32.8947% | 4,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 6,175 |
| 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 | 88.8587% | 294 |
| Net loans and leases to deposits | 119.2708% | 399 |
| Net loans and leases to core deposits | 144.6870% | 1,068 |
| Total domestic deposits to total assets | 74.5017% | 6,554 |
| Equity capital to assets | 8.0395% | 6,792 |
| Core capital (leverage) ratio | 8.0310% | 6,439 |
| Tier 1 risk-based capital ratio | 11.2025% | 5,536 |
| Total risk-based capital ratio | 12.4363% | 5,437 |
| Memoranda: | ||
| Average total assets | $24,153,000 | 7,865 |
| Average earning assets | $22,337,800 | 7,848 |
| Average equity | $1,915,800 | 8,136 |
| Average total loans | $21,104,800 | 7,256 |