Home > The Corn City State Bank > Performance and Condition Ratios
The Corn City State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8638% | 4,112 |
| Cost of funding earning assets | 1.7039% | 1,446 |
| Net interest margin | 2.1599% | 4,340 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 1.4674% | 4,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7394% | 3,080 |
| Return on assets (ROA) | 0.6457% | 3,300 |
| Pretax return on assets | 0.6457% | 3,543 |
| Return on Equity (ROE) | 14.6000% | 1,369 |
| Retained earnings to average equity (ytd only) | 2.9711% | 3,279 |
| 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 | 66.4940% | 2,290 |
| Assets per employee ($millions) | 11.1959% | 509 |
| Cash dividends to net income (ytd only)* | 79.6460% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2119% | 2,225 |
| Loan loss allowance to noncurrent loans | 1,152.0833% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 3,234 |
| Noncurrent loans to loans | 0.1052% | 3,014 |
| Net loans and leases to total assets | 50.3300% | 3,579 |
| Net loans and leases to deposits | 66.7639% | 3,127 |
| Net loans and leases to core deposits | 72.9437% | 3,129 |
| Total domestic deposits to total assets | 75.3800% | 3,994 |
| Equity capital to assets | 4.5820% | 4,461 |
| Core capital (leverage) ratio | 11.9357% | 1,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $87,499,200 | 3,941 |
| Average earning assets | $85,511,800 | 3,880 |
| Average equity | $3,870,600 | 4,365 |
| Average total loans | $41,799,000 | 3,963 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7726% | 4,138 |
| Cost of funding earning assets | 1.5938% | 1,381 |
| Net interest margin | 2.1789% | 4,365 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 1.6907% | 4,140 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5365% | 3,690 |
| Return on assets (ROA) | 0.5901% | 3,555 |
| Pretax return on assets | 0.5901% | 3,753 |
| Return on Equity (ROE) | 13.4700% | 1,806 |
| Retained earnings to average equity (ytd only) | 10.8420% | 1,186 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.9119% | 1,177 |
| Assets per employee ($millions) | 10.7004% | 548 |
| Cash dividends to net income (ytd only)* | 19.4805% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 1,967 |
| Loan loss allowance to noncurrent loans | 1,536.1111% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 3,380 |
| Noncurrent loans to loans | 0.0833% | 3,166 |
| Net loans and leases to total assets | 49.8600% | 3,625 |
| Net loans and leases to deposits | 67.2798% | 3,038 |
| Net loans and leases to core deposits | 73.5457% | 3,018 |
| Total domestic deposits to total assets | 74.1100% | 4,153 |
| Equity capital to assets | 3.3340% | 4,467 |
| Core capital (leverage) ratio | 12.1695% | 1,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $86,982,250 | 3,962 |
| Average earning assets | $84,996,250 | 3,895 |
| Average equity | $3,812,250 | 4,383 |
| Average total loans | $40,841,250 | 3,986 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6319% | 4,220 |
| Cost of funding earning assets | 1.4766% | 1,288 |
| Net interest margin | 2.1553% | 4,443 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.6148% | 4,245 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5901% | 3,600 |
| Return on assets (ROA) | 0.6679% | 3,418 |
| Pretax return on assets | 0.6679% | 3,666 |
| Return on Equity (ROE) | 14.1300% | 1,648 |
| Retained earnings to average equity (ytd only) | 10.5042% | 1,278 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.2365% | 1,434 |
| Assets per employee ($millions) | 11.1851% | 488 |
| Cash dividends to net income (ytd only)* | 25.6849% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 1,713 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 45.1600% | 3,836 |
| Net loans and leases to deposits | 57.5153% | 3,561 |
| Net loans and leases to core deposits | 67.4985% | 3,263 |
| Total domestic deposits to total assets | 78.5200% | 3,783 |
| Equity capital to assets | 4.4289% | 4,456 |
| Core capital (leverage) ratio | 11.9767% | 1,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $87,442,000 | 3,972 |
| Average earning assets | $85,464,333 | 3,907 |
| Average equity | $4,131,667 | 4,382 |
| Average total loans | $40,043,000 | 4,013 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5074% | 4,254 |
| Cost of funding earning assets | 1.2513% | 1,336 |
| Net interest margin | 2.2561% | 4,472 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 1.8467% | 3,956 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4675% | 3,970 |
| Return on assets (ROA) | 0.6156% | 3,616 |
| Pretax return on assets | 0.6156% | 3,816 |
| Return on Equity (ROE) | 12.6200% | 2,074 |
| Retained earnings to average equity (ytd only) | 12.6186% | 1,160 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.8000% | 850 |
| Assets per employee ($millions) | 10.9819% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 1,671 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 44.7400% | 3,833 |
| Net loans and leases to deposits | 54.1408% | 3,669 |
| Net loans and leases to core deposits | 63.1699% | 3,383 |
| Total domestic deposits to total assets | 82.6400% | 3,369 |
| Equity capital to assets | 4.7521% | 4,455 |
| Core capital (leverage) ratio | 12.0533% | 1,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $86,422,500 | 4,035 |
| Average earning assets | $84,392,500 | 3,966 |
| Average equity | $4,216,000 | 4,432 |
| Average total loans | $39,582,000 | 4,072 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8499% | 4,280 |
| Cost of funding earning assets | 0.4898% | 1,469 |
| Net interest margin | 2.3601% | 4,382 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 1.5821% | 4,327 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.8088% | 3,296 |
| Return on assets (ROA) | 0.8896% | 2,949 |
| Pretax return on assets | 0.8896% | 3,393 |
| Return on Equity (ROE) | 11.9300% | 2,163 |
| Retained earnings to average equity (ytd only) | 2.0833% | 3,955 |
| Net charge-offs to loans | 0.1267% | 615 |
| Credit loss provision to net charge-offs | 21.7391% | 1,928 |
| Earnings coverage of net charge-offs (x) | 14.5870% | 2,024 |
| Efficiency ratio | 65.8350% | 2,256 |
| Assets per employee ($millions) | 10.6238% | 555 |
| Cash dividends to net income (ytd only)* | 82.5309% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5801% | 4,358 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 45.9700% | 3,804 |
| Net loans and leases to deposits | 56.4998% | 3,546 |
| Net loans and leases to core deposits | 67.8280% | 3,027 |
| Total domestic deposits to total assets | 81.3700% | 3,709 |
| Equity capital to assets | 5.0088% | 4,365 |
| Core capital (leverage) ratio | 12.6690% | 1,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $81,726,400 | 4,106 |
| Average earning assets | $79,828,200 | 4,037 |
| Average equity | $6,096,000 | 4,318 |
| Average total loans | $36,296,200 | 4,131 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7147% | 4,286 |
| Cost of funding earning assets | 0.3847% | 1,403 |
| Net interest margin | 2.3300% | 4,386 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.6446% | 4,248 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.7185% | 3,515 |
| Return on assets (ROA) | 0.8272% | 3,112 |
| Pretax return on assets | 0.8272% | 3,513 |
| Return on Equity (ROE) | 10.2100% | 2,659 |
| Retained earnings to average equity (ytd only) | 8.6843% | 1,760 |
| Net charge-offs to loans | 0.1725% | 386 |
| Credit loss provision to net charge-offs | 21.7391% | 1,623 |
| Earnings coverage of net charge-offs (x) | 9.6957% | 2,015 |
| Efficiency ratio | 69.1136% | 1,876 |
| Assets per employee ($millions) | 10.0675% | 649 |
| Cash dividends to net income (ytd only)* | 14.9402% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6072% | 4,373 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 46.3400% | 3,736 |
| Net loans and leases to deposits | 57.9550% | 3,345 |
| Net loans and leases to core deposits | 64.5169% | 3,069 |
| Total domestic deposits to total assets | 79.9600% | 4,102 |
| Equity capital to assets | 5.0782% | 4,271 |
| Core capital (leverage) ratio | 13.0419% | 897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $80,910,500 | 4,149 |
| Average earning assets | $79,024,250 | 4,074 |
| Average equity | $6,555,750 | 4,306 |
| Average total loans | $35,545,000 | 4,166 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5578% | 4,320 |
| Cost of funding earning assets | 0.3463% | 1,301 |
| Net interest margin | 2.2115% | 4,411 |
| Noninterest income to average assets | 0.1012% | 4,478 |
| Noninterest expense to average assets | 1.4932% | 4,426 |
| Loan and lease loss provision to assets | 0.0247% | 2,153 |
| Net operating income to assets | 0.7429% | 3,164 |
| Return on assets (ROA) | 0.9058% | 2,531 |
| Pretax return on assets | 0.9058% | 3,047 |
| Return on Equity (ROE) | 9.9489% | 2,352 |
| Retained earnings to average equity (ytd only) | 7.9158% | 1,651 |
| Net charge-offs to loans | 0.2638% | 252 |
| Credit loss provision to net charge-offs | 21.7391% | 1,599 |
| Earnings coverage of net charge-offs (x) | 6.7609% | 1,881 |
| Efficiency ratio | 66.0480% | 2,499 |
| Assets per employee ($millions) | 10.0955% | 637 |
| Cash dividends to net income (ytd only)* | 20.4360% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6279% | 4,435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 44.6746% | 3,779 |
| Net loans and leases to deposits | 55.4947% | 3,421 |
| Net loans and leases to core deposits | 61.2924% | 3,177 |
| Total domestic deposits to total assets | 80.5025% | 4,181 |
| Equity capital to assets | 5.8219% | 4,264 |
| Core capital (leverage) ratio | 12.8730% | 849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,034,000 | 4,190 |
| Average earning assets | $79,132,000 | 4,129 |
| Average equity | $7,377,667 | 4,268 |
| Average total loans | $34,876,333 | 4,235 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3997% | 4,379 |
| Cost of funding earning assets | 0.3334% | 1,336 |
| Net interest margin | 2.0663% | 4,472 |
| Noninterest income to average assets | 0.1084% | 4,464 |
| Noninterest expense to average assets | 1.3700% | 4,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7540% | 2,840 |
| Return on assets (ROA) | 1.0792% | 1,583 |
| Pretax return on assets | 1.0792% | 2,209 |
| Return on Equity (ROE) | 10.0511% | 1,952 |
| Retained earnings to average equity (ytd only) | 10.0511% | 1,006 |
| Net charge-offs to loans | 0.5386% | 131 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 3.3261% | 1,671 |
| Efficiency ratio | 64.5012% | 2,966 |
| Assets per employee ($millions) | 10.4554% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6365% | 4,478 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 40.6860% | 3,963 |
| Net loans and leases to deposits | 50.7690% | 3,666 |
| Net loans and leases to core deposits | 55.4422% | 3,495 |
| Total domestic deposits to total assets | 80.1394% | 4,280 |
| Equity capital to assets | 9.0552% | 2,664 |
| Core capital (leverage) ratio | 12.5139% | 905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,169,000 | 4,209 |
| Average earning assets | $79,175,000 | 4,150 |
| Average equity | $8,715,500 | 4,182 |
| Average total loans | $34,160,000 | 4,260 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5573% | 4,441 |
| Cost of funding earning assets | 0.3738% | 1,727 |
| Net interest margin | 2.1835% | 4,495 |
| Noninterest income to average assets | 0.1109% | 4,561 |
| Noninterest expense to average assets | 1.6546% | 4,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5910% | 3,896 |
| Return on assets (ROA) | 1.0610% | 2,514 |
| Pretax return on assets | 1.0610% | 3,101 |
| Return on Equity (ROE) | 7.9804% | 3,226 |
| Retained earnings to average equity (ytd only) | 1.1563% | 4,215 |
| Net charge-offs to loans | -0.0432% | 4,260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6813% | 1,342 |
| Assets per employee ($millions) | 11.2421% | 476 |
| Cash dividends to net income (ytd only)* | 85.5107% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7749% | 4,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 42.9595% | 3,915 |
| Net loans and leases to deposits | 53.8551% | 3,610 |
| Net loans and leases to core deposits | 59.1818% | 3,377 |
| Total domestic deposits to total assets | 79.7687% | 4,245 |
| Equity capital to assets | 12.5256% | 1,050 |
| Core capital (leverage) ratio | 12.8923% | 836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,356,600 | 4,227 |
| Average earning assets | $77,582,400 | 4,161 |
| Average equity | $10,550,800 | 4,079 |
| Average total loans | $34,758,800 | 4,293 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5388% | 4,548 |
| Cost of funding earning assets | 0.3843% | 1,828 |
| Net interest margin | 2.1546% | 4,595 |
| Noninterest income to average assets | 0.1123% | 4,616 |
| Noninterest expense to average assets | 1.6833% | 4,353 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5348% | 4,132 |
| Return on assets (ROA) | 1.1183% | 2,542 |
| Pretax return on assets | 1.1183% | 3,163 |
| Return on Equity (ROE) | 8.2925% | 3,316 |
| Retained earnings to average equity (ytd only) | 7.3601% | 2,288 |
| Net charge-offs to loans | -0.0573% | 4,411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8881% | 1,044 |
| Assets per employee ($millions) | 10.9837% | 478 |
| Cash dividends to net income (ytd only)* | 11.2444% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7744% | 4,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 43.9937% | 3,953 |
| Net loans and leases to deposits | 56.3910% | 3,548 |
| Net loans and leases to core deposits | 62.2550% | 3,294 |
| Total domestic deposits to total assets | 78.0155% | 4,426 |
| Equity capital to assets | 14.1079% | 711 |
| Core capital (leverage) ratio | 13.3584% | 760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,522,000 | 4,276 |
| Average earning assets | $77,723,750 | 4,210 |
| Average equity | $10,724,250 | 4,119 |
| Average total loans | $34,930,750 | 4,343 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4239% | 4,665 |
| Cost of funding earning assets | 0.3921% | 1,955 |
| Net interest margin | 2.0318% | 4,698 |
| Noninterest income to average assets | 0.1169% | 4,614 |
| Noninterest expense to average assets | 1.6393% | 4,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4627% | 4,282 |
| Return on assets (ROA) | 1.1393% | 2,466 |
| Pretax return on assets | 1.1393% | 3,090 |
| Return on Equity (ROE) | 8.5741% | 3,238 |
| Retained earnings to average equity (ytd only) | 7.1700% | 2,366 |
| Net charge-offs to loans | -0.0852% | 4,577 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9882% | 909 |
| Assets per employee ($millions) | 11.7091% | 386 |
| Cash dividends to net income (ytd only)* | 16.3755% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7513% | 4,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 42.5479% | 4,142 |
| Net loans and leases to deposits | 55.4233% | 3,759 |
| Net loans and leases to core deposits | 60.8908% | 3,551 |
| Total domestic deposits to total assets | 76.7691% | 4,525 |
| Equity capital to assets | 12.8020% | 1,015 |
| Core capital (leverage) ratio | 12.9641% | 811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,400,667 | 4,286 |
| Average earning assets | $78,549,667 | 4,225 |
| Average equity | $10,683,333 | 4,135 |
| Average total loans | $35,211,333 | 4,370 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5962% | 4,576 |
| Cost of funding earning assets | 0.4267% | 1,886 |
| Net interest margin | 2.1695% | 4,637 |
| Noninterest income to average assets | 0.1256% | 4,571 |
| Noninterest expense to average assets | 1.3766% | 4,762 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8691% | 3,211 |
| Return on assets (ROA) | 1.5423% | 1,301 |
| Pretax return on assets | 1.5423% | 1,876 |
| Return on Equity (ROE) | 11.3931% | 2,228 |
| Retained earnings to average equity (ytd only) | 11.3931% | 1,301 |
| Net charge-offs to loans | -0.1702% | 4,761 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2975% | 2,866 |
| Assets per employee ($millions) | 9.9609% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7473% | 4,493 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 43.9996% | 4,110 |
| Net loans and leases to deposits | 55.5693% | 3,827 |
| Net loans and leases to core deposits | 61.0347% | 3,641 |
| Total domestic deposits to total assets | 79.1798% | 4,316 |
| Equity capital to assets | 13.2242% | 855 |
| Core capital (leverage) ratio | 13.1938% | 797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,619,000 | 4,313 |
| Average earning assets | $77,806,500 | 4,252 |
| Average equity | $10,778,500 | 4,135 |
| Average total loans | $35,248,000 | 4,394 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9445% | 4,674 |
| Cost of funding earning assets | 0.6602% | 1,933 |
| Net interest margin | 2.2843% | 4,728 |
| Noninterest income to average assets | 0.1240% | 4,654 |
| Noninterest expense to average assets | 1.5176% | 4,767 |
| Loan and lease loss provision to assets | 0.0674% | 3,537 |
| Net operating income to assets | 0.7682% | 3,207 |
| Return on assets (ROA) | 1.2669% | 1,448 |
| Pretax return on assets | 1.2669% | 2,097 |
| Return on Equity (ROE) | 8.5525% | 2,574 |
| Retained earnings to average equity (ytd only) | 2.0016% | 3,822 |
| Net charge-offs to loans | 0.0420% | 2,220 |
| Credit loss provision to net charge-offs | 357.1429% | 1,560 |
| Earnings coverage of net charge-offs (x) | 44.2857% | 1,304 |
| Efficiency ratio | 64.4903% | 2,741 |
| Assets per employee ($millions) | 9.9439% | 542 |
| Cash dividends to net income (ytd only)* | 76.5957% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7080% | 4,577 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 43.8976% | 4,252 |
| Net loans and leases to deposits | 57.7550% | 3,905 |
| Net loans and leases to core deposits | 63.7082% | 3,708 |
| Total domestic deposits to total assets | 76.0066% | 4,507 |
| Equity capital to assets | 13.8515% | 834 |
| Core capital (leverage) ratio | 13.1615% | 857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,195,800 | 4,320 |
| Average earning assets | $72,407,200 | 4,264 |
| Average equity | $10,991,000 | 4,079 |
| Average total loans | $33,323,600 | 4,451 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0757% | 4,684 |
| Cost of funding earning assets | 0.7127% | 1,945 |
| Net interest margin | 2.3630% | 4,749 |
| Noninterest income to average assets | 0.1226% | 4,673 |
| Noninterest expense to average assets | 1.4878% | 4,813 |
| Loan and lease loss provision to assets | 0.0920% | 3,165 |
| Net operating income to assets | 0.8491% | 2,909 |
| Return on assets (ROA) | 1.4256% | 1,130 |
| Pretax return on assets | 1.4256% | 1,651 |
| Return on Equity (ROE) | 9.4559% | 2,224 |
| Retained earnings to average equity (ytd only) | 8.5455% | 1,131 |
| Net charge-offs to loans | 0.0568% | 1,795 |
| Credit loss provision to net charge-offs | 357.1429% | 1,587 |
| Earnings coverage of net charge-offs (x) | 36.7143% | 1,425 |
| Efficiency ratio | 61.2660% | 3,183 |
| Assets per employee ($millions) | 9.5178% | 597 |
| Cash dividends to net income (ytd only)* | 9.6277% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7393% | 4,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 43.9074% | 4,423 |
| Net loans and leases to deposits | 58.5704% | 4,138 |
| Net loans and leases to core deposits | 65.0049% | 3,952 |
| Total domestic deposits to total assets | 74.9652% | 4,504 |
| Equity capital to assets | 15.0994% | 615 |
| Core capital (leverage) ratio | 13.9269% | 726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,857,000 | 4,352 |
| Average earning assets | $71,093,500 | 4,294 |
| Average equity | $10,984,000 | 4,085 |
| Average total loans | $32,862,000 | 4,489 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3572% | 4,581 |
| Cost of funding earning assets | 0.7457% | 2,150 |
| Net interest margin | 2.6115% | 4,646 |
| Noninterest income to average assets | 0.1310% | 4,651 |
| Noninterest expense to average assets | 1.5551% | 4,812 |
| Loan and lease loss provision to assets | 0.0697% | 3,420 |
| Net operating income to assets | 1.0535% | 2,133 |
| Return on assets (ROA) | 1.2318% | 1,666 |
| Pretax return on assets | 1.2318% | 2,250 |
| Return on Equity (ROE) | 8.1753% | 2,676 |
| Retained earnings to average equity (ytd only) | 6.7881% | 1,747 |
| Net charge-offs to loans | 0.0859% | 1,391 |
| Credit loss provision to net charge-offs | 178.5714% | 1,996 |
| Earnings coverage of net charge-offs (x) | 28.7857% | 1,464 |
| Efficiency ratio | 58.0645% | 3,676 |
| Assets per employee ($millions) | 9.3568% | 615 |
| Cash dividends to net income (ytd only)* | 16.9683% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6818% | 4,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 43.5889% | 4,474 |
| Net loans and leases to deposits | 58.3988% | 4,199 |
| Net loans and leases to core deposits | 64.9688% | 4,022 |
| Total domestic deposits to total assets | 74.6400% | 4,547 |
| Equity capital to assets | 15.2564% | 579 |
| Core capital (leverage) ratio | 13.7912% | 795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,762,000 | 4,378 |
| Average earning assets | $69,999,333 | 4,314 |
| Average equity | $10,813,000 | 4,116 |
| Average total loans | $32,589,000 | 4,516 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4269% | 4,714 |
| Cost of funding earning assets | 0.7719% | 2,535 |
| Net interest margin | 2.6550% | 4,711 |
| Noninterest income to average assets | 0.1709% | 4,510 |
| Noninterest expense to average assets | 1.4185% | 4,953 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3387% | 1,135 |
| Return on assets (ROA) | 1.4071% | 1,043 |
| Pretax return on assets | 1.4071% | 1,541 |
| Return on Equity (ROE) | 9.4010% | 1,953 |
| Retained earnings to average equity (ytd only) | 9.4010% | 866 |
| Net charge-offs to loans | -0.0123% | 4,148 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4463% | 4,580 |
| Assets per employee ($millions) | 9.1090% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6648% | 4,662 |
| Loan loss allowance to noncurrent loans | 301.4085% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 4,132 |
| Noncurrent loans to loans | 0.2206% | 3,693 |
| Net loans and leases to total assets | 43.8769% | 4,509 |
| Net loans and leases to deposits | 58.7736% | 4,258 |
| Net loans and leases to core deposits | 65.5850% | 4,108 |
| Total domestic deposits to total assets | 74.6542% | 4,609 |
| Equity capital to assets | 14.9797% | 765 |
| Core capital (leverage) ratio | 14.5895% | 770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,216,000 | 4,413 |
| Average earning assets | $68,399,500 | 4,345 |
| Average equity | $10,509,500 | 4,180 |
| Average total loans | $32,457,500 | 4,547 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5954% | 4,779 |
| Cost of funding earning assets | 0.7973% | 2,698 |
| Net interest margin | 2.7981% | 4,760 |
| Noninterest income to average assets | 0.1762% | 4,606 |
| Noninterest expense to average assets | 1.7469% | 4,829 |
| Loan and lease loss provision to assets | 0.0512% | 2,999 |
| Net operating income to assets | 1.1054% | 2,422 |
| Return on assets (ROA) | 1.2906% | 1,806 |
| Pretax return on assets | 1.2906% | 2,535 |
| Return on Equity (ROE) | 8.4712% | 2,955 |
| Retained earnings to average equity (ytd only) | 1.3542% | 4,259 |
| Net charge-offs to loans | 0.0640% | 2,184 |
| Credit loss provision to net charge-offs | 161.9048% | 1,596 |
| Earnings coverage of net charge-offs (x) | 36.5714% | 1,392 |
| Efficiency ratio | 60.1660% | 3,668 |
| Assets per employee ($millions) | 8.4450% | 608 |
| Cash dividends to net income (ytd only)* | 84.0140% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6508% | 4,651 |
| Loan loss allowance to noncurrent loans | 304.2857% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 4,109 |
| Noncurrent loans to loans | 0.2139% | 3,692 |
| Net loans and leases to total assets | 48.1261% | 4,423 |
| Net loans and leases to deposits | 60.9230% | 4,245 |
| Net loans and leases to core deposits | 68.1364% | 4,074 |
| Total domestic deposits to total assets | 78.9950% | 4,187 |
| Equity capital to assets | 14.9541% | 807 |
| Core capital (leverage) ratio | 14.5606% | 786 |
| Tier 1 risk-based capital ratio | 34.2185% | 347 |
| Total risk-based capital ratio | 34.9521% | 359 |
| Memoranda: | ||
| Average total assets | $66,402,400 | 4,493 |
| Average earning assets | $64,722,000 | 4,425 |
| Average equity | $10,116,600 | 4,225 |
| Average total loans | $32,829,800 | 4,586 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5949% | 4,886 |
| Cost of funding earning assets | 0.7839% | 2,791 |
| Net interest margin | 2.8110% | 4,847 |
| Noninterest income to average assets | 0.1835% | 4,624 |
| Noninterest expense to average assets | 1.6819% | 4,943 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2423% | 2,042 |
| Return on assets (ROA) | 1.3976% | 1,538 |
| Pretax return on assets | 1.3976% | 2,322 |
| Return on Equity (ROE) | 9.1302% | 2,835 |
| Retained earnings to average equity (ytd only) | 8.1421% | 1,333 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5172% | 3,999 |
| Assets per employee ($millions) | 8.3020% | 624 |
| Cash dividends to net income (ytd only)* | 10.8227% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6089% | 4,800 |
| Loan loss allowance to noncurrent loans | 408.1633% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 4,349 |
| Noncurrent loans to loans | 0.1492% | 4,004 |
| Net loans and leases to total assets | 49.1553% | 4,473 |
| Net loans and leases to deposits | 63.3516% | 4,219 |
| Net loans and leases to core deposits | 71.1527% | 3,996 |
| Total domestic deposits to total assets | 77.5912% | 4,425 |
| Equity capital to assets | 16.2657% | 591 |
| Core capital (leverage) ratio | 15.6415% | 619 |
| Tier 1 risk-based capital ratio | 37.3762% | 291 |
| Total risk-based capital ratio | 38.0939% | 303 |
| Memoranda: | ||
| Average total assets | $66,113,000 | 4,552 |
| Average earning assets | $64,460,000 | 4,482 |
| Average equity | $10,120,000 | 4,269 |
| Average total loans | $32,855,500 | 4,645 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5817% | 4,946 |
| Cost of funding earning assets | 0.7642% | 2,831 |
| Net interest margin | 2.8175% | 4,911 |
| Noninterest income to average assets | 0.1727% | 4,720 |
| Noninterest expense to average assets | 1.6603% | 5,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2604% | 1,919 |
| Return on assets (ROA) | 1.3119% | 1,794 |
| Pretax return on assets | 1.3119% | 2,519 |
| Return on Equity (ROE) | 8.7543% | 2,953 |
| Retained earnings to average equity (ytd only) | 7.2379% | 1,707 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8465% | 4,146 |
| Assets per employee ($millions) | 8.2083% | 619 |
| Cash dividends to net income (ytd only)* | 17.3210% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6067% | 4,864 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 49.8964% | 4,474 |
| Net loans and leases to deposits | 62.5991% | 4,300 |
| Net loans and leases to core deposits | 70.9337% | 4,067 |
| Total domestic deposits to total assets | 79.7079% | 4,096 |
| Equity capital to assets | 15.6123% | 686 |
| Core capital (leverage) ratio | 15.2360% | 660 |
| Tier 1 risk-based capital ratio | 35.9339% | 314 |
| Total risk-based capital ratio | 36.6415% | 322 |
| Memoranda: | ||
| Average total assets | $66,012,000 | 4,587 |
| Average earning assets | $64,383,670 | 4,517 |
| Average equity | $9,892,330 | 4,314 |
| Average total loans | $32,858,330 | 4,682 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4777% | 5,064 |
| Cost of funding earning assets | 0.7377% | 2,848 |
| Net interest margin | 2.7400% | 5,037 |
| Noninterest income to average assets | 0.1632% | 4,762 |
| Noninterest expense to average assets | 1.4928% | 5,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3417% | 1,554 |
| Return on assets (ROA) | 1.2994% | 1,737 |
| Pretax return on assets | 1.2994% | 2,457 |
| Return on Equity (ROE) | 8.8546% | 2,869 |
| Retained earnings to average equity (ytd only) | 8.8546% | 1,368 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6652% | 4,643 |
| Assets per employee ($millions) | 8.4071% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6040% | 4,928 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 48.9377% | 4,533 |
| Net loans and leases to deposits | 60.3086% | 4,392 |
| Net loans and leases to core deposits | 67.9676% | 4,181 |
| Total domestic deposits to total assets | 81.1455% | 3,940 |
| Equity capital to assets | 14.3123% | 936 |
| Core capital (leverage) ratio | 15.2023% | 655 |
| Tier 1 risk-based capital ratio | 34.9714% | 325 |
| Total risk-based capital ratio | 35.6699% | 335 |
| Memoranda: | ||
| Average total assets | $66,185,000 | 4,636 |
| Average earning assets | $64,524,500 | 4,573 |
| Average equity | $9,712,500 | 4,368 |
| Average total loans | $32,805,000 | 4,733 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2153% | 5,139 |
| Cost of funding earning assets | 0.6723% | 2,251 |
| Net interest margin | 2.5430% | 5,192 |
| Noninterest income to average assets | 0.1717% | 4,869 |
| Noninterest expense to average assets | 1.4410% | 5,248 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2062% | 2,140 |
| Return on assets (ROA) | 1.2135% | 2,107 |
| Pretax return on assets | 1.2135% | 2,835 |
| Return on Equity (ROE) | 8.3176% | 3,314 |
| Retained earnings to average equity (ytd only) | 1.0762% | 4,686 |
| Net charge-offs to loans | 0.0309% | 2,783 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 82.2000% | 852 |
| Efficiency ratio | 54.4346% | 4,575 |
| Assets per employee ($millions) | 8.1391% | 634 |
| Cash dividends to net income (ytd only)* | 87.0617% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6124% | 4,949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 49.6015% | 4,550 |
| Net loans and leases to deposits | 63.0333% | 4,312 |
| Net loans and leases to core deposits | 71.6310% | 4,019 |
| Total domestic deposits to total assets | 78.6909% | 4,372 |
| Equity capital to assets | 15.0492% | 700 |
| Core capital (leverage) ratio | 14.2516% | 853 |
| Tier 1 risk-based capital ratio | 34.9827% | 316 |
| Total risk-based capital ratio | 35.6931% | 325 |
| Memoranda: | ||
| Average total assets | $68,148,000 | 4,613 |
| Average earning assets | $66,340,000 | 4,552 |
| Average equity | $9,942,800 | 4,304 |
| Average total loans | $32,369,000 | 4,754 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1908% | 5,200 |
| Cost of funding earning assets | 0.6302% | 2,270 |
| Net interest margin | 2.5606% | 5,242 |
| Noninterest income to average assets | 0.1703% | 4,938 |
| Noninterest expense to average assets | 1.4241% | 5,315 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2384% | 2,093 |
| Return on assets (ROA) | 1.2480% | 2,062 |
| Pretax return on assets | 1.2480% | 2,817 |
| Return on Equity (ROE) | 8.6181% | 3,283 |
| Retained earnings to average equity (ytd only) | 7.6160% | 1,840 |
| Net charge-offs to loans | 0.0412% | 2,257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 64.0143% | 1,014 |
| Efficiency ratio | 53.4884% | 4,657 |
| Assets per employee ($millions) | 8.5709% | 515 |
| Cash dividends to net income (ytd only)* | 11.6282% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6160% | 5,015 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 46.8243% | 4,763 |
| Net loans and leases to deposits | 62.6654% | 4,414 |
| Net loans and leases to core deposits | 71.2137% | 4,122 |
| Total domestic deposits to total assets | 74.7211% | 4,917 |
| Equity capital to assets | 14.9664% | 730 |
| Core capital (leverage) ratio | 14.8540% | 733 |
| Tier 1 risk-based capital ratio | 35.9389% | 304 |
| Total risk-based capital ratio | 36.6358% | 314 |
| Memoranda: | ||
| Average total assets | $68,906,750 | 4,644 |
| Average earning assets | $67,066,750 | 4,591 |
| Average equity | $9,978,750 | 4,336 |
| Average total loans | $32,337,250 | 4,811 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1121% | 5,280 |
| Cost of funding earning assets | 0.5986% | 2,232 |
| Net interest margin | 2.5135% | 5,335 |
| Noninterest income to average assets | 0.1797% | 4,927 |
| Noninterest expense to average assets | 1.3822% | 5,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2431% | 2,013 |
| Return on assets (ROA) | 1.2576% | 1,951 |
| Pretax return on assets | 1.2576% | 2,690 |
| Return on Equity (ROE) | 8.7816% | 3,127 |
| Retained earnings to average equity (ytd only) | 7.2640% | 1,947 |
| Net charge-offs to loans | 0.0618% | 1,725 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 42.9000% | 1,245 |
| Efficiency ratio | 52.6490% | 4,819 |
| Assets per employee ($millions) | 8.6731% | 494 |
| Cash dividends to net income (ytd only)* | 17.2811% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6097% | 5,087 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 46.7522% | 4,781 |
| Net loans and leases to deposits | 63.2586% | 4,333 |
| Net loans and leases to core deposits | 72.9622% | 3,945 |
| Total domestic deposits to total assets | 73.9065% | 5,052 |
| Equity capital to assets | 14.4858% | 808 |
| Core capital (leverage) ratio | 14.3758% | 812 |
| Tier 1 risk-based capital ratio | 33.8326% | 350 |
| Total risk-based capital ratio | 34.5025% | 359 |
| Memoranda: | ||
| Average total assets | $69,020,000 | 4,697 |
| Average earning assets | $67,157,000 | 4,641 |
| Average equity | $9,884,330 | 4,394 |
| Average total loans | $32,348,000 | 4,863 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1300% | 5,292 |
| Cost of funding earning assets | 0.5745% | 2,216 |
| Net interest margin | 2.5555% | 5,351 |
| Noninterest income to average assets | 0.1743% | 4,982 |
| Noninterest expense to average assets | 1.4178% | 5,448 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2377% | 1,856 |
| Return on assets (ROA) | 1.2668% | 1,766 |
| Pretax return on assets | 1.2668% | 2,489 |
| Return on Equity (ROE) | 8.8971% | 2,956 |
| Retained earnings to average equity (ytd only) | 8.8971% | 1,496 |
| Net charge-offs to loans | 0.2733% | 568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 9.6818% | 1,951 |
| Efficiency ratio | 53.3917% | 4,853 |
| Assets per employee ($millions) | 8.7223% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5800% | 5,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 46.1822% | 4,785 |
| Net loans and leases to deposits | 61.0079% | 4,400 |
| Net loans and leases to core deposits | 69.4265% | 4,117 |
| Total domestic deposits to total assets | 75.6986% | 4,999 |
| Equity capital to assets | 14.2022% | 839 |
| Core capital (leverage) ratio | 14.4830% | 768 |
| Tier 1 risk-based capital ratio | 34.0725% | 345 |
| Total risk-based capital ratio | 34.7189% | 354 |
| Memoranda: | ||
| Average total assets | $68,837,500 | 4,756 |
| Average earning assets | $66,836,500 | 4,697 |
| Average equity | $9,801,000 | 4,456 |
| Average total loans | $32,203,000 | 4,913 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0112% | 5,347 |
| Cost of funding earning assets | 0.4818% | 2,486 |
| Net interest margin | 2.5294% | 5,391 |
| Noninterest income to average assets | 0.1757% | 5,080 |
| Noninterest expense to average assets | 1.4686% | 5,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1670% | 1,628 |
| Return on assets (ROA) | 1.1699% | 1,642 |
| Pretax return on assets | 1.1699% | 2,894 |
| Return on Equity (ROE) | 8.1130% | 2,747 |
| Retained earnings to average equity (ytd only) | 0.8022% | 4,713 |
| Net charge-offs to loans | 0.0128% | 3,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 199.2500% | 400 |
| Efficiency ratio | 55.7222% | 4,791 |
| Assets per employee ($millions) | 8.4871% | 535 |
| Cash dividends to net income (ytd only)* | 90.1126% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6533% | 5,151 |
| Loan loss allowance to noncurrent loans | 1,045.0000% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 4,998 |
| Noncurrent loans to loans | 0.0625% | 4,711 |
| Net loans and leases to total assets | 46.8121% | 4,842 |
| Net loans and leases to deposits | 62.1497% | 4,438 |
| Net loans and leases to core deposits | 69.5705% | 4,199 |
| Total domestic deposits to total assets | 75.3214% | 5,051 |
| Equity capital to assets | 14.2746% | 839 |
| Core capital (leverage) ratio | 13.7304% | 904 |
| Tier 1 risk-based capital ratio | 34.1292% | 342 |
| Total risk-based capital ratio | 34.8651% | 347 |
| Memoranda: | ||
| Average total assets | $68,296,600 | 4,809 |
| Average earning assets | $66,418,400 | 4,734 |
| Average equity | $9,848,400 | 4,478 |
| Average total loans | $31,138,400 | 4,999 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9535% | 5,443 |
| Cost of funding earning assets | 0.4522% | 2,697 |
| Net interest margin | 2.5013% | 5,471 |
| Noninterest income to average assets | 0.1754% | 5,137 |
| Noninterest expense to average assets | 1.4172% | 5,571 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1950% | 1,716 |
| Return on assets (ROA) | 1.1989% | 1,731 |
| Pretax return on assets | 1.1989% | 2,912 |
| Return on Equity (ROE) | 8.2931% | 2,978 |
| Retained earnings to average equity (ytd only) | 7.2817% | 1,549 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2537% | 4,915 |
| Assets per employee ($millions) | 8.8655% | 459 |
| Cash dividends to net income (ytd only)* | 12.1954% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6854% | 5,167 |
| Loan loss allowance to noncurrent loans | 5,350.0000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 5,239 |
| Noncurrent loans to loans | 0.0128% | 5,091 |
| Net loans and leases to total assets | 43.7214% | 5,043 |
| Net loans and leases to deposits | 61.1629% | 4,578 |
| Net loans and leases to core deposits | 68.5373% | 4,332 |
| Total domestic deposits to total assets | 71.4836% | 5,412 |
| Equity capital to assets | 14.3153% | 909 |
| Core capital (leverage) ratio | 14.7183% | 718 |
| Tier 1 risk-based capital ratio | 34.1886% | 347 |
| Total risk-based capital ratio | 34.9093% | 353 |
| Memoranda: | ||
| Average total assets | $68,396,500 | 4,853 |
| Average earning assets | $66,631,000 | 4,783 |
| Average equity | $9,887,500 | 4,515 |
| Average total loans | $30,924,750 | 5,050 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9741% | 5,457 |
| Cost of funding earning assets | 0.4431% | 2,666 |
| Net interest margin | 2.5310% | 5,485 |
| Noninterest income to average assets | 0.1806% | 5,150 |
| Noninterest expense to average assets | 1.4300% | 5,611 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2198% | 1,535 |
| Return on assets (ROA) | 1.2198% | 1,574 |
| Pretax return on assets | 1.2198% | 2,700 |
| Return on Equity (ROE) | 8.4090% | 2,824 |
| Retained earnings to average equity (ytd only) | 6.8783% | 1,652 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9665% | 5,023 |
| Assets per employee ($millions) | 8.4783% | 514 |
| Cash dividends to net income (ytd only)* | 18.2039% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6986% | 5,215 |
| 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 | 44.8456% | 5,005 |
| Net loans and leases to deposits | 59.8607% | 4,643 |
| Net loans and leases to core deposits | 67.0584% | 4,414 |
| Total domestic deposits to total assets | 74.9167% | 5,210 |
| Equity capital to assets | 14.6714% | 773 |
| Core capital (leverage) ratio | 14.6696% | 704 |
| Tier 1 risk-based capital ratio | 35.2560% | 296 |
| Total risk-based capital ratio | 36.0142% | 306 |
| Memoranda: | ||
| Average total assets | $67,554,000 | 4,912 |
| Average earning assets | $65,901,670 | 4,831 |
| Average equity | $9,799,000 | 4,542 |
| Average total loans | $30,825,330 | 5,086 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9090% | 5,530 |
| Cost of funding earning assets | 0.4077% | 2,921 |
| Net interest margin | 2.5013% | 5,546 |
| Noninterest income to average assets | 0.1899% | 5,139 |
| Noninterest expense to average assets | 1.3290% | 5,727 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2994% | 1,246 |
| Return on assets (ROA) | 1.2994% | 1,280 |
| Pretax return on assets | 1.2994% | 2,235 |
| Return on Equity (ROE) | 9.0096% | 2,418 |
| Retained earnings to average equity (ytd only) | 9.0096% | 1,078 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5643% | 5,343 |
| Assets per employee ($millions) | 8.5240% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6965% | 5,315 |
| 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 | 44.5316% | 5,008 |
| Net loans and leases to deposits | 59.1880% | 4,621 |
| Net loans and leases to core deposits | 65.5139% | 4,460 |
| Total domestic deposits to total assets | 75.2376% | 5,315 |
| Equity capital to assets | 14.4196% | 781 |
| Core capital (leverage) ratio | 14.6127% | 688 |
| Tier 1 risk-based capital ratio | 34.7517% | 330 |
| Total risk-based capital ratio | 35.5045% | 338 |
| Memoranda: | ||
| Average total assets | $67,418,000 | 4,963 |
| Average earning assets | $65,727,000 | 4,885 |
| Average equity | $9,723,000 | 4,585 |
| Average total loans | $30,922,500 | 5,130 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9532% | 5,535 |
| Cost of funding earning assets | 0.3698% | 3,319 |
| Net interest margin | 2.5834% | 5,533 |
| Noninterest income to average assets | 0.1831% | 5,305 |
| Noninterest expense to average assets | 1.5847% | 5,656 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1128% | 1,848 |
| Return on assets (ROA) | 1.1175% | 1,919 |
| Pretax return on assets | 1.1175% | 3,035 |
| Return on Equity (ROE) | 7.2626% | 3,329 |
| Retained earnings to average equity (ytd only) | 0.6462% | 5,068 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7478% | 4,753 |
| Assets per employee ($millions) | 8.3305% | 527 |
| Cash dividends to net income (ytd only)* | 91.1017% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6813% | 5,397 |
| 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 | 46.5938% | 4,981 |
| Net loans and leases to deposits | 62.1649% | 4,530 |
| Net loans and leases to core deposits | 68.2507% | 4,381 |
| Total domestic deposits to total assets | 74.9520% | 5,359 |
| Equity capital to assets | 14.4244% | 755 |
| Core capital (leverage) ratio | 14.2271% | 751 |
| Tier 1 risk-based capital ratio | 34.5966% | 333 |
| Total risk-based capital ratio | 35.3631% | 340 |
| Memoranda: | ||
| Average total assets | $63,355,000 | 5,065 |
| Average earning assets | $61,662,800 | 4,985 |
| Average equity | $9,748,600 | 4,624 |
| Average total loans | $28,716,200 | 5,238 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9295% | 5,631 |
| Cost of funding earning assets | 0.3530% | 3,503 |
| Net interest margin | 2.5765% | 5,604 |
| Noninterest income to average assets | 0.1919% | 5,314 |
| Noninterest expense to average assets | 1.5480% | 5,726 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1492% | 1,810 |
| Return on assets (ROA) | 1.1535% | 1,892 |
| Pretax return on assets | 1.1535% | 3,029 |
| Return on Equity (ROE) | 7.3736% | 3,368 |
| Retained earnings to average equity (ytd only) | 6.3513% | 1,986 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3913% | 4,904 |
| Assets per employee ($millions) | 7.9714% | 599 |
| Cash dividends to net income (ytd only)* | 13.8635% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7177% | 5,390 |
| 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 | 46.2075% | 5,082 |
| Net loans and leases to deposits | 61.7938% | 4,639 |
| Net loans and leases to core deposits | 65.8745% | 4,615 |
| Total domestic deposits to total assets | 74.7769% | 5,362 |
| Equity capital to assets | 15.7062% | 595 |
| Core capital (leverage) ratio | 15.6887% | 531 |
| Tier 1 risk-based capital ratio | 37.2994% | 278 |
| Total risk-based capital ratio | 38.0926% | 293 |
| Memoranda: | ||
| Average total assets | $62,532,750 | 5,129 |
| Average earning assets | $60,804,500 | 5,044 |
| Average equity | $9,782,500 | 4,659 |
| Average total loans | $28,079,000 | 5,314 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9251% | 5,711 |
| Cost of funding earning assets | 0.3408% | 3,671 |
| Net interest margin | 2.5842% | 5,682 |
| Noninterest income to average assets | 0.2125% | 5,219 |
| Noninterest expense to average assets | 1.5808% | 5,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1462% | 1,789 |
| Return on assets (ROA) | 1.1462% | 1,904 |
| Pretax return on assets | 1.1462% | 2,999 |
| Return on Equity (ROE) | 7.3367% | 3,347 |
| Retained earnings to average equity (ytd only) | 5.7910% | 2,243 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9693% | 4,906 |
| Assets per employee ($millions) | 7.9318% | 578 |
| Cash dividends to net income (ytd only)* | 21.0674% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7653% | 5,359 |
| 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 | 43.3196% | 5,268 |
| Net loans and leases to deposits | 55.4551% | 5,052 |
| Net loans and leases to core deposits | 58.9681% | 5,026 |
| Total domestic deposits to total assets | 78.1164% | 4,975 |
| Equity capital to assets | 15.4931% | 627 |
| Core capital (leverage) ratio | 15.5603% | 519 |
| Tier 1 risk-based capital ratio | 38.8777% | 245 |
| Total risk-based capital ratio | 40.5544% | 239 |
| Memoranda: | ||
| Average total assets | $62,120,000 | 5,200 |
| Average earning assets | $60,443,330 | 5,101 |
| Average equity | $9,704,670 | 4,703 |
| Average total loans | $27,545,330 | 5,389 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9174% | 5,764 |
| Cost of funding earning assets | 0.3212% | 3,934 |
| Net interest margin | 2.5962% | 5,725 |
| Noninterest income to average assets | 0.1888% | 5,376 |
| Noninterest expense to average assets | 1.5166% | 5,904 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1977% | 1,569 |
| Return on assets (ROA) | 1.1977% | 1,670 |
| Pretax return on assets | 1.1977% | 2,708 |
| Return on Equity (ROE) | 7.6337% | 3,116 |
| Retained earnings to average equity (ytd only) | 7.6337% | 1,614 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8753% | 5,203 |
| Assets per employee ($millions) | 8.9223% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7760% | 5,430 |
| 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 | 43.4018% | 5,279 |
| Net loans and leases to deposits | 53.4876% | 5,133 |
| Net loans and leases to core deposits | 55.6303% | 5,154 |
| Total domestic deposits to total assets | 81.1435% | 4,449 |
| Equity capital to assets | 15.5854% | 584 |
| Core capital (leverage) ratio | 15.9274% | 481 |
| Tier 1 risk-based capital ratio | 37.8284% | 271 |
| Total risk-based capital ratio | 39.4761% | 262 |
| Memoranda: | ||
| Average total assets | $61,453,000 | 5,257 |
| Average earning assets | $59,780,000 | 5,168 |
| Average equity | $9,641,500 | 4,736 |
| Average total loans | $27,468,000 | 5,431 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9346% | 5,791 |
| Cost of funding earning assets | 0.2928% | 4,335 |
| Net interest margin | 2.6418% | 5,719 |
| Noninterest income to average assets | 0.1799% | 5,509 |
| Noninterest expense to average assets | 1.5690% | 5,938 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1611% | 1,694 |
| Return on assets (ROA) | 1.1852% | 1,680 |
| Pretax return on assets | 1.1852% | 2,712 |
| Return on Equity (ROE) | 7.6241% | 3,181 |
| Retained earnings to average equity (ytd only) | 0.9608% | 5,137 |
| Net charge-offs to loans | 0.0037% | 4,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 723.0000% | 86 |
| Efficiency ratio | 57.4706% | 5,198 |
| Assets per employee ($millions) | 7.5563% | 678 |
| Cash dividends to net income (ytd only)* | 87.3984% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7676% | 5,493 |
| 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 | 45.3350% | 5,207 |
| Net loans and leases to deposits | 58.5102% | 4,884 |
| Net loans and leases to core deposits | 60.2493% | 4,966 |
| Total domestic deposits to total assets | 77.4822% | 5,244 |
| Equity capital to assets | 15.7965% | 545 |
| Core capital (leverage) ratio | 15.1603% | 589 |
| Tier 1 risk-based capital ratio | 38.4235% | 251 |
| Total risk-based capital ratio | 40.1296% | 244 |
| Memoranda: | ||
| Average total assets | $62,268,200 | 5,270 |
| Average earning assets | $60,110,800 | 5,187 |
| Average equity | $9,679,800 | 4,714 |
| Average total loans | $27,192,800 | 5,472 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9025% | 5,894 |
| Cost of funding earning assets | 0.2889% | 4,459 |
| Net interest margin | 2.6136% | 5,823 |
| Noninterest income to average assets | 0.1786% | 5,583 |
| Noninterest expense to average assets | 1.4859% | 6,053 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2116% | 1,612 |
| Return on assets (ROA) | 1.2308% | 1,608 |
| Pretax return on assets | 1.2308% | 2,692 |
| Return on Equity (ROE) | 7.9483% | 3,102 |
| Retained earnings to average equity (ytd only) | 6.9187% | 1,728 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0827% | 5,441 |
| Assets per employee ($millions) | 8.0010% | 540 |
| Cash dividends to net income (ytd only)* | 12.9537% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7758% | 5,570 |
| 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 | 42.5603% | 5,458 |
| Net loans and leases to deposits | 56.7684% | 5,084 |
| Net loans and leases to core deposits | 61.3365% | 4,980 |
| Total domestic deposits to total assets | 74.9719% | 5,625 |
| Equity capital to assets | 15.5621% | 637 |
| Core capital (leverage) ratio | 15.8617% | 507 |
| Tier 1 risk-based capital ratio | 33.4116% | 399 |
| Total risk-based capital ratio | 34.8405% | 387 |
| Memoranda: | ||
| Average total assets | $62,722,750 | 5,316 |
| Average earning assets | $60,451,000 | 5,236 |
| Average equity | $9,712,500 | 4,766 |
| Average total loans | $27,086,750 | 5,541 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9035% | 5,940 |
| Cost of funding earning assets | 0.2900% | 4,508 |
| Net interest margin | 2.6135% | 5,871 |
| Noninterest income to average assets | 0.1766% | 5,642 |
| Noninterest expense to average assets | 1.4736% | 6,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2200% | 1,543 |
| Return on assets (ROA) | 1.2489% | 1,531 |
| Pretax return on assets | 1.2489% | 2,557 |
| Return on Equity (ROE) | 8.0792% | 3,006 |
| Retained earnings to average equity (ytd only) | 6.5215% | 1,935 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7080% | 5,527 |
| Assets per employee ($millions) | 7.8010% | 582 |
| Cash dividends to net income (ytd only)* | 19.2802% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7874% | 5,631 |
| 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 | 43.0041% | 5,435 |
| Net loans and leases to deposits | 54.1209% | 5,247 |
| Net loans and leases to core deposits | 57.1155% | 5,245 |
| Total domestic deposits to total assets | 79.4594% | 4,988 |
| Equity capital to assets | 15.6550% | 576 |
| Core capital (leverage) ratio | 15.1135% | 594 |
| Tier 1 risk-based capital ratio | 42.4174% | 228 |
| Total risk-based capital ratio | 44.2669% | 216 |
| Memoranda: | ||
| Average total assets | $62,294,330 | 5,385 |
| Average earning assets | $59,996,000 | 5,308 |
| Average equity | $9,629,670 | 4,815 |
| Average total loans | $26,964,000 | 5,593 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9217% | 5,975 |
| Cost of funding earning assets | 0.2814% | 4,653 |
| Net interest margin | 2.6402% | 5,877 |
| Noninterest income to average assets | 0.1800% | 5,638 |
| Noninterest expense to average assets | 1.3818% | 6,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3304% | 1,184 |
| Return on assets (ROA) | 1.3304% | 1,264 |
| Pretax return on assets | 1.3304% | 2,156 |
| Return on Equity (ROE) | 8.6615% | 2,622 |
| Retained earnings to average equity (ytd only) | 8.6615% | 1,322 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9479% | 5,857 |
| Assets per employee ($millions) | 7.9035% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7935% | 5,710 |
| 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 | 42.1190% | 5,474 |
| Net loans and leases to deposits | 52.7138% | 5,288 |
| Net loans and leases to core deposits | 57.3092% | 5,165 |
| Total domestic deposits to total assets | 79.9013% | 5,073 |
| Equity capital to assets | 15.2828% | 660 |
| Core capital (leverage) ratio | 15.5236% | 531 |
| Tier 1 risk-based capital ratio | 37.9090% | 287 |
| Total risk-based capital ratio | 39.5802% | 279 |
| Memoranda: | ||
| Average total assets | $62,237,500 | 5,444 |
| Average earning assets | $59,692,000 | 5,361 |
| Average equity | $9,559,500 | 4,872 |
| Average total loans | $26,920,500 | 5,641 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9628% | 6,085 |
| Cost of funding earning assets | 0.2961% | 4,831 |
| Net interest margin | 2.6667% | 5,985 |
| Noninterest income to average assets | 0.1828% | 5,763 |
| Noninterest expense to average assets | 1.6195% | 6,224 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1236% | 1,887 |
| Return on assets (ROA) | 1.1406% | 1,878 |
| Pretax return on assets | 1.1406% | 2,919 |
| Return on Equity (ROE) | 7.0293% | 3,610 |
| Retained earnings to average equity (ytd only) | 0.6153% | 5,492 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0376% | 5,343 |
| Assets per employee ($millions) | 8.7496% | 389 |
| Cash dividends to net income (ytd only)* | 91.2463% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7890% | 5,804 |
| 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 | 43.7311% | 5,478 |
| Net loans and leases to deposits | 54.9776% | 5,247 |
| Net loans and leases to core deposits | 59.9624% | 5,147 |
| Total domestic deposits to total assets | 79.5435% | 5,134 |
| Equity capital to assets | 15.4391% | 622 |
| Core capital (leverage) ratio | 14.9160% | 623 |
| Tier 1 risk-based capital ratio | 37.1874% | 280 |
| Total risk-based capital ratio | 38.0250% | 283 |
| Memoranda: | ||
| Average total assets | $59,093,200 | 5,570 |
| Average earning assets | $56,736,800 | 5,502 |
| Average equity | $9,588,400 | 4,844 |
| Average total loans | $27,041,600 | 5,696 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9160% | 6,194 |
| Cost of funding earning assets | 0.2933% | 4,944 |
| Net interest margin | 2.6227% | 6,106 |
| Noninterest income to average assets | 0.2049% | 5,702 |
| Noninterest expense to average assets | 1.5370% | 6,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1932% | 1,697 |
| Return on assets (ROA) | 1.2159% | 1,692 |
| Pretax return on assets | 1.2159% | 2,715 |
| Return on Equity (ROE) | 7.3999% | 3,497 |
| Retained earnings to average equity (ytd only) | 6.3605% | 2,184 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2969% | 5,633 |
| Assets per employee ($millions) | 8.4946% | 425 |
| Cash dividends to net income (ytd only)* | 14.0453% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7760% | 5,932 |
| 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 | 45.8024% | 5,398 |
| Net loans and leases to deposits | 57.2778% | 5,153 |
| Net loans and leases to core deposits | 59.8585% | 5,199 |
| Total domestic deposits to total assets | 79.9654% | 5,109 |
| Equity capital to assets | 16.5770% | 482 |
| Core capital (leverage) ratio | 16.9048% | 382 |
| Tier 1 risk-based capital ratio | 38.4184% | 267 |
| Total risk-based capital ratio | 39.2485% | 270 |
| Memoranda: | ||
| Average total assets | $58,554,750 | 5,648 |
| Average earning assets | $56,377,500 | 5,566 |
| Average equity | $9,621,500 | 4,870 |
| Average total loans | $27,052,750 | 5,751 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8795% | 6,270 |
| Cost of funding earning assets | 0.2965% | 5,002 |
| Net interest margin | 2.5830% | 6,193 |
| Noninterest income to average assets | 0.2300% | 5,557 |
| Noninterest expense to average assets | 1.6068% | 6,354 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1055% | 1,924 |
| Return on assets (ROA) | 1.1399% | 1,874 |
| Pretax return on assets | 1.1399% | 2,931 |
| Return on Equity (ROE) | 6.9580% | 3,642 |
| Retained earnings to average equity (ytd only) | 5.3861% | 2,711 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2405% | 5,398 |
| Assets per employee ($millions) | 8.3839% | 424 |
| Cash dividends to net income (ytd only)* | 22.5904% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7990% | 5,979 |
| 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 | 45.0611% | 5,460 |
| Net loans and leases to deposits | 53.9859% | 5,358 |
| Net loans and leases to core deposits | 56.3439% | 5,387 |
| Total domestic deposits to total assets | 83.4682% | 4,124 |
| Equity capital to assets | 16.4517% | 484 |
| Core capital (leverage) ratio | 16.3955% | 420 |
| Tier 1 risk-based capital ratio | 39.4758% | 252 |
| Total risk-based capital ratio | 40.3467% | 257 |
| Memoranda: | ||
| Average total assets | $58,252,330 | 5,707 |
| Average earning assets | $55,982,000 | 5,621 |
| Average equity | $9,543,000 | 4,903 |
| Average total loans | $26,921,000 | 5,802 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8968% | 6,328 |
| Cost of funding earning assets | 0.2940% | 5,136 |
| Net interest margin | 2.6028% | 6,237 |
| Noninterest income to average assets | 0.2137% | 5,649 |
| Noninterest expense to average assets | 1.5646% | 6,456 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1510% | 1,627 |
| Return on assets (ROA) | 1.2200% | 1,479 |
| Pretax return on assets | 1.2200% | 2,390 |
| Return on Equity (ROE) | 7.4628% | 3,228 |
| Retained earnings to average equity (ytd only) | 7.4628% | 1,837 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6142% | 5,685 |
| Assets per employee ($millions) | 8.4057% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7948% | 6,112 |
| 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 | 45.1852% | 5,412 |
| Net loans and leases to deposits | 54.0167% | 5,285 |
| Net loans and leases to core deposits | 56.0671% | 5,347 |
| Total domestic deposits to total assets | 83.6506% | 4,402 |
| Equity capital to assets | 16.2746% | 490 |
| Core capital (leverage) ratio | 16.5172% | 416 |
| Tier 1 risk-based capital ratio | 39.7972% | 237 |
| Total risk-based capital ratio | 40.6824% | 241 |
| Memoranda: | ||
| Average total assets | $58,035,000 | 5,766 |
| Average earning assets | $55,786,500 | 5,673 |
| Average equity | $9,487,000 | 4,939 |
| Average total loans | $27,052,500 | 5,849 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0230% | 6,322 |
| Cost of funding earning assets | 0.3883% | 4,766 |
| Net interest margin | 2.6347% | 6,222 |
| Noninterest income to average assets | 0.2434% | 5,601 |
| Noninterest expense to average assets | 1.5010% | 6,574 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2713% | 1,327 |
| Return on assets (ROA) | 1.2713% | 1,385 |
| Pretax return on assets | 1.2713% | 2,263 |
| Return on Equity (ROE) | 7.8338% | 3,122 |
| Retained earnings to average equity (ytd only) | 1.0697% | 5,355 |
| Net charge-offs to loans | 0.0075% | 5,308 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 373.5000% | 116 |
| Efficiency ratio | 54.1436% | 6,125 |
| Assets per employee ($millions) | 7.1538% | 705 |
| Cash dividends to net income (ytd only)* | 86.3454% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7801% | 6,214 |
| Loan loss allowance to noncurrent loans | 332.8125% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 5,996 |
| Noncurrent loans to loans | 0.2344% | 5,480 |
| Net loans and leases to total assets | 47.3388% | 5,361 |
| Net loans and leases to deposits | 56.7217% | 5,235 |
| Net loans and leases to core deposits | 58.9431% | 5,313 |
| Total domestic deposits to total assets | 83.4580% | 4,379 |
| Equity capital to assets | 16.4215% | 458 |
| Core capital (leverage) ratio | 15.9491% | 475 |
| Tier 1 risk-based capital ratio | 38.4896% | 256 |
| Total risk-based capital ratio | 39.3619% | 257 |
| Memoranda: | ||
| Average total assets | $58,759,200 | 5,788 |
| Average earning assets | $56,401,200 | 5,689 |
| Average equity | $9,535,600 | 4,965 |
| Average total loans | $26,785,400 | 5,898 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9875% | 6,434 |
| Cost of funding earning assets | 0.3996% | 4,817 |
| Net interest margin | 2.5879% | 6,332 |
| Noninterest income to average assets | 0.2435% | 5,693 |
| Noninterest expense to average assets | 1.4045% | 6,689 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3211% | 1,291 |
| Return on assets (ROA) | 1.3211% | 1,348 |
| Pretax return on assets | 1.3211% | 2,255 |
| Return on Equity (ROE) | 8.1642% | 3,040 |
| Retained earnings to average equity (ytd only) | 7.1193% | 1,822 |
| Net charge-offs to loans | 0.0100% | 4,946 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 292.6255% | 205 |
| Efficiency ratio | 51.5302% | 6,289 |
| Assets per employee ($millions) | 7.4748% | 590 |
| Cash dividends to net income (ytd only)* | 12.7990% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7853% | 6,309 |
| 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 | 45.0032% | 5,628 |
| Net loans and leases to deposits | 53.8975% | 5,546 |
| Net loans and leases to core deposits | 55.9132% | 5,632 |
| Total domestic deposits to total assets | 83.4978% | 4,380 |
| Equity capital to assets | 16.4002% | 480 |
| Core capital (leverage) ratio | 16.4824% | 434 |
| Tier 1 risk-based capital ratio | 39.2751% | 250 |
| Total risk-based capital ratio | 40.1282% | 251 |
| Memoranda: | ||
| Average total assets | $59,141,500 | 5,843 |
| Average earning assets | $56,724,500 | 5,747 |
| Average equity | $9,570,000 | 5,016 |
| Average total loans | $26,655,500 | 5,959 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0299% | 6,420 |
| Cost of funding earning assets | 0.4132% | 4,826 |
| Net interest margin | 2.6167% | 6,315 |
| Noninterest income to average assets | 0.1969% | 6,027 |
| Noninterest expense to average assets | 1.4120% | 6,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3000% | 1,324 |
| Return on assets (ROA) | 1.3000% | 1,408 |
| Pretax return on assets | 1.3000% | 2,297 |
| Return on Equity (ROE) | 8.0708% | 3,057 |
| Retained earnings to average equity (ytd only) | 8.0708% | 1,455 |
| Net charge-offs to loans | 0.0151% | 4,541 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 191.5000% | 265 |
| Efficiency ratio | 52.0651% | 6,278 |
| Assets per employee ($millions) | 7.4029% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7900% | 6,374 |
| Loan loss allowance to noncurrent loans | 3,550.0000% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 6,526 |
| Noncurrent loans to loans | 0.0223% | 6,349 |
| Net loans and leases to total assets | 45.1649% | 5,620 |
| Net loans and leases to deposits | 54.0484% | 5,516 |
| Net loans and leases to core deposits | 55.9710% | 5,596 |
| Total domestic deposits to total assets | 83.5638% | 4,488 |
| Equity capital to assets | 16.3433% | 484 |
| Core capital (leverage) ratio | 16.2924% | 437 |
| Tier 1 risk-based capital ratio | 39.5853% | 240 |
| Total risk-based capital ratio | 40.4564% | 241 |
| Memoranda: | ||
| Average total assets | $58,922,670 | 5,878 |
| Average earning assets | $56,636,330 | 5,785 |
| Average equity | $9,491,000 | 5,061 |
| Average total loans | $26,499,330 | 6,000 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0825% | 6,417 |
| Cost of funding earning assets | 0.4262% | 4,850 |
| Net interest margin | 2.6564% | 6,290 |
| Noninterest income to average assets | 0.1974% | 6,064 |
| Noninterest expense to average assets | 1.3680% | 6,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3748% | 1,090 |
| Return on assets (ROA) | 1.3748% | 1,178 |
| Pretax return on assets | 1.3748% | 1,944 |
| Return on Equity (ROE) | 8.5985% | 2,666 |
| Retained earnings to average equity (ytd only) | 8.5985% | 1,522 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8759% | 6,508 |
| Assets per employee ($millions) | 7.4773% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 6,408 |
| Loan loss allowance to noncurrent loans | 3,583.3333% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 6,596 |
| Noncurrent loans to loans | 0.0232% | 6,425 |
| Net loans and leases to total assets | 42.9553% | 5,763 |
| Net loans and leases to deposits | 51.1099% | 5,698 |
| Net loans and leases to core deposits | 52.8987% | 5,755 |
| Total domestic deposits to total assets | 84.0449% | 4,460 |
| Equity capital to assets | 15.8782% | 577 |
| Core capital (leverage) ratio | 15.9934% | 462 |
| Tier 1 risk-based capital ratio | 40.1862% | 228 |
| Total risk-based capital ratio | 41.0958% | 233 |
| Memoranda: | ||
| Average total assets | $58,772,500 | 5,941 |
| Average earning assets | $56,317,500 | 5,843 |
| Average equity | $9,397,000 | 5,134 |
| Average total loans | $26,268,500 | 6,059 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5752% | 6,260 |
| Cost of funding earning assets | 0.5645% | 4,691 |
| Net interest margin | 3.0107% | 6,029 |
| Noninterest income to average assets | 0.2092% | 5,917 |
| Noninterest expense to average assets | 1.5644% | 6,828 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.5340% | 856 |
| Return on assets (ROA) | 1.5340% | 943 |
| Pretax return on assets | 1.5340% | 1,577 |
| Return on Equity (ROE) | 9.1021% | 2,590 |
| Retained earnings to average equity (ytd only) | 1.4640% | 5,136 |
| Net charge-offs to loans | -0.0037% | 6,363 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4905% | 6,556 |
| Assets per employee ($millions) | 7.2159% | 701 |
| Cash dividends to net income (ytd only)* | 83.9161% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8075% | 6,475 |
| 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 | 45.7533% | 5,642 |
| Net loans and leases to deposits | 54.6064% | 5,597 |
| Net loans and leases to core deposits | 56.5955% | 5,668 |
| Total domestic deposits to total assets | 83.7875% | 4,408 |
| Equity capital to assets | 16.1034% | 540 |
| Core capital (leverage) ratio | 16.3346% | 411 |
| Tier 1 risk-based capital ratio | 38.5215% | 264 |
| Total risk-based capital ratio | 39.4124% | 265 |
| Memoranda: | ||
| Average total assets | $55,933,000 | 6,026 |
| Average earning assets | $53,674,800 | 5,938 |
| Average equity | $9,426,400 | 5,125 |
| Average total loans | $26,702,800 | 6,101 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6004% | 6,394 |
| Cost of funding earning assets | 0.5922% | 4,729 |
| Net interest margin | 3.0083% | 6,156 |
| Noninterest income to average assets | 0.2019% | 6,084 |
| Noninterest expense to average assets | 1.4875% | 6,947 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.6076% | 823 |
| Return on assets (ROA) | 1.6076% | 922 |
| Pretax return on assets | 1.6076% | 1,553 |
| Return on Equity (ROE) | 9.4300% | 2,623 |
| Retained earnings to average equity (ytd only) | 8.3728% | 1,449 |
| Net charge-offs to loans | -0.0050% | 6,275 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0590% | 6,713 |
| Assets per employee ($millions) | 6.9264% | 771 |
| Cash dividends to net income (ytd only)* | 11.2110% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8044% | 6,591 |
| 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 | 47.8479% | 5,563 |
| Net loans and leases to deposits | 58.1425% | 5,420 |
| Net loans and leases to core deposits | 60.3941% | 5,515 |
| Total domestic deposits to total assets | 82.2941% | 4,922 |
| Equity capital to assets | 17.5994% | 392 |
| Core capital (leverage) ratio | 17.6334% | 323 |
| Tier 1 risk-based capital ratio | 40.3910% | 232 |
| Total risk-based capital ratio | 41.2815% | 234 |
| Memoranda: | ||
| Average total assets | $55,484,500 | 6,110 |
| Average earning assets | $53,362,750 | 6,013 |
| Average equity | $9,459,000 | 5,165 |
| Average total loans | $26,721,750 | 6,180 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6015% | 6,485 |
| Cost of funding earning assets | 0.6177% | 4,739 |
| Net interest margin | 2.9838% | 6,274 |
| Noninterest income to average assets | 0.1946% | 6,168 |
| Noninterest expense to average assets | 1.4592% | 7,026 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6069% | 827 |
| Return on assets (ROA) | 1.6069% | 923 |
| Pretax return on assets | 1.6069% | 1,532 |
| Return on Equity (ROE) | 9.5286% | 2,561 |
| Retained earnings to average equity (ytd only) | 7.9262% | 1,666 |
| Net charge-offs to loans | -0.0075% | 6,229 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5911% | 6,801 |
| Assets per employee ($millions) | 7.9096% | 487 |
| Cash dividends to net income (ytd only)* | 16.8161% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8007% | 6,669 |
| Loan loss allowance to noncurrent loans | 2,388.8889% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 6,792 |
| Noncurrent loans to loans | 0.0335% | 6,601 |
| Net loans and leases to total assets | 48.1117% | 5,601 |
| Net loans and leases to deposits | 58.1870% | 5,427 |
| Net loans and leases to core deposits | 60.4310% | 5,549 |
| Total domestic deposits to total assets | 82.6846% | 4,882 |
| Equity capital to assets | 17.2106% | 422 |
| Core capital (leverage) ratio | 17.0912% | 354 |
| Tier 1 risk-based capital ratio | 39.6463% | 236 |
| Total risk-based capital ratio | 40.5409% | 237 |
| Memoranda: | ||
| Average total assets | $55,509,000 | 6,148 |
| Average earning assets | $53,421,670 | 6,045 |
| Average equity | $9,361,330 | 5,194 |
| Average total loans | $26,719,670 | 6,221 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5906% | 6,587 |
| Cost of funding earning assets | 0.6433% | 4,793 |
| Net interest margin | 2.9473% | 6,395 |
| Noninterest income to average assets | 0.2087% | 6,130 |
| Noninterest expense to average assets | 1.3242% | 7,159 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7200% | 695 |
| Return on assets (ROA) | 1.7200% | 774 |
| Pretax return on assets | 1.7200% | 1,253 |
| Return on Equity (ROE) | 10.3045% | 2,300 |
| Retained earnings to average equity (ytd only) | 10.3045% | 1,198 |
| Net charge-offs to loans | -0.0150% | 6,081 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4988% | 7,009 |
| Assets per employee ($millions) | 8.0514% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8121% | 6,716 |
| Loan loss allowance to noncurrent loans | 2,388.8889% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 6,877 |
| Noncurrent loans to loans | 0.0340% | 6,680 |
| Net loans and leases to total assets | 46.5898% | 5,718 |
| Net loans and leases to deposits | 55.9693% | 5,602 |
| Net loans and leases to core deposits | 58.0736% | 5,709 |
| Total domestic deposits to total assets | 83.2417% | 4,837 |
| Equity capital to assets | 16.6732% | 475 |
| Core capital (leverage) ratio | 16.9181% | 362 |
| Tier 1 risk-based capital ratio | 39.1983% | 242 |
| Total risk-based capital ratio | 40.0951% | 246 |
| Memoranda: | ||
| Average total assets | $55,580,000 | 6,185 |
| Average earning assets | $53,472,500 | 6,087 |
| Average equity | $9,277,500 | 5,223 |
| Average total loans | $26,653,000 | 6,272 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9087% | 6,602 |
| Cost of funding earning assets | 0.7720% | 5,050 |
| Net interest margin | 3.1367% | 6,254 |
| Noninterest income to average assets | 0.2127% | 5,995 |
| Noninterest expense to average assets | 1.5934% | 7,126 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.6363% | 625 |
| Return on assets (ROA) | 1.6363% | 671 |
| Pretax return on assets | 1.6363% | 1,131 |
| Return on Equity (ROE) | 9.4531% | 2,264 |
| Retained earnings to average equity (ytd only) | 1.6923% | 5,009 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3356% | 6,873 |
| Assets per employee ($millions) | 9.1333% | 312 |
| Cash dividends to net income (ytd only)* | 82.0981% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7975% | 6,745 |
| Loan loss allowance to noncurrent loans | 2,377.7778% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 6,932 |
| Noncurrent loans to loans | 0.0335% | 6,742 |
| Net loans and leases to total assets | 48.5748% | 5,769 |
| Net loans and leases to deposits | 58.4134% | 5,661 |
| Net loans and leases to core deposits | 61.6295% | 5,688 |
| Total domestic deposits to total assets | 83.1569% | 4,687 |
| Equity capital to assets | 16.7117% | 488 |
| Core capital (leverage) ratio | 16.7508% | 385 |
| Tier 1 risk-based capital ratio | 37.6717% | 279 |
| Total risk-based capital ratio | 38.5520% | 278 |
| Memoranda: | ||
| Average total assets | $53,597,600 | 6,243 |
| Average earning assets | $51,551,800 | 6,141 |
| Average equity | $9,277,400 | 5,211 |
| Average total loans | $27,165,000 | 6,286 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9444% | 6,669 |
| Cost of funding earning assets | 0.7962% | 5,177 |
| Net interest margin | 3.1483% | 6,290 |
| Noninterest income to average assets | 0.2051% | 6,140 |
| Noninterest expense to average assets | 1.5085% | 7,220 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7236% | 595 |
| Return on assets (ROA) | 1.7236% | 650 |
| Pretax return on assets | 1.7236% | 1,092 |
| Return on Equity (ROE) | 9.8702% | 2,242 |
| Retained earnings to average equity (ytd only) | 8.7958% | 1,215 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6718% | 7,028 |
| Assets per employee ($millions) | 10.5940% | 208 |
| Cash dividends to net income (ytd only)* | 10.8857% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7888% | 6,838 |
| Loan loss allowance to noncurrent loans | 535.0000% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 6,869 |
| Noncurrent loans to loans | 0.1474% | 6,579 |
| Net loans and leases to total assets | 50.8156% | 5,606 |
| Net loans and leases to deposits | 62.1870% | 5,377 |
| Net loans and leases to core deposits | 65.8005% | 5,434 |
| Total domestic deposits to total assets | 81.7142% | 5,192 |
| Equity capital to assets | 18.1518% | 373 |
| Core capital (leverage) ratio | 17.6805% | 350 |
| Tier 1 risk-based capital ratio | 39.0298% | 269 |
| Total risk-based capital ratio | 39.8985% | 270 |
| Memoranda: | ||
| Average total assets | $53,297,000 | 6,302 |
| Average earning assets | $51,244,000 | 6,193 |
| Average equity | $9,307,250 | 5,233 |
| Average total loans | $27,248,000 | 6,341 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9159% | 6,784 |
| Cost of funding earning assets | 0.8127% | 5,287 |
| Net interest margin | 3.1032% | 6,402 |
| Noninterest income to average assets | 0.2060% | 6,191 |
| Noninterest expense to average assets | 1.4867% | 7,319 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7077% | 589 |
| Return on assets (ROA) | 1.7077% | 637 |
| Pretax return on assets | 1.7077% | 1,041 |
| Return on Equity (ROE) | 9.9080% | 2,152 |
| Retained earnings to average equity (ytd only) | 8.2784% | 1,350 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5416% | 7,135 |
| Assets per employee ($millions) | 10.7276% | 200 |
| Cash dividends to net income (ytd only)* | 16.4474% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7820% | 6,904 |
| Loan loss allowance to noncurrent loans | 535.0000% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 6,914 |
| Noncurrent loans to loans | 0.1462% | 6,615 |
| Net loans and leases to total assets | 50.6208% | 5,736 |
| Net loans and leases to deposits | 61.4452% | 5,564 |
| Net loans and leases to core deposits | 64.9367% | 5,613 |
| Total domestic deposits to total assets | 82.3838% | 5,027 |
| Equity capital to assets | 17.4932% | 426 |
| Core capital (leverage) ratio | 17.3201% | 379 |
| Tier 1 risk-based capital ratio | 38.2933% | 270 |
| Total risk-based capital ratio | 39.1666% | 272 |
| Memoranda: | ||
| Average total assets | $53,406,000 | 6,356 |
| Average earning assets | $51,431,330 | 6,238 |
| Average equity | $9,204,670 | 5,261 |
| Average total loans | $27,287,000 | 6,398 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8875% | 6,836 |
| Cost of funding earning assets | 0.8431% | 5,314 |
| Net interest margin | 3.0445% | 6,473 |
| Noninterest income to average assets | 0.2027% | 6,275 |
| Noninterest expense to average assets | 1.4111% | 7,412 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.7189% | 561 |
| Return on assets (ROA) | 1.7189% | 593 |
| Pretax return on assets | 1.7189% | 952 |
| Return on Equity (ROE) | 10.0488% | 2,077 |
| Retained earnings to average equity (ytd only) | 10.0488% | 1,109 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0839% | 7,243 |
| Assets per employee ($millions) | 10.8280% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7861% | 6,950 |
| 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 | 49.8892% | 5,863 |
| Net loans and leases to deposits | 60.2297% | 5,709 |
| Net loans and leases to core deposits | 63.5978% | 5,775 |
| Total domestic deposits to total assets | 82.8315% | 4,984 |
| Equity capital to assets | 17.0484% | 438 |
| Core capital (leverage) ratio | 16.9563% | 398 |
| Tier 1 risk-based capital ratio | 37.8822% | 273 |
| Total risk-based capital ratio | 38.7605% | 280 |
| Memoranda: | ||
| Average total assets | $53,290,000 | 6,403 |
| Average earning assets | $51,240,500 | 6,299 |
| Average equity | $9,115,500 | 5,282 |
| Average total loans | $27,247,500 | 6,454 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2158% | 6,904 |
| Cost of funding earning assets | 1.0480% | 5,441 |
| Net interest margin | 3.1678% | 6,344 |
| Noninterest income to average assets | 0.2343% | 6,125 |
| Noninterest expense to average assets | 1.5806% | 7,418 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.7074% | 508 |
| Return on assets (ROA) | 1.7074% | 549 |
| Pretax return on assets | 1.7074% | 928 |
| Return on Equity (ROE) | 9.7348% | 2,028 |
| Retained earnings to average equity (ytd only) | 1.8506% | 4,565 |
| Net charge-offs to loans | -0.0507% | 7,448 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0724% | 7,261 |
| Assets per employee ($millions) | 10.4880% | 226 |
| Cash dividends to net income (ytd only)* | 80.9899% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7847% | 7,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 51.5961% | 5,972 |
| Net loans and leases to deposits | 62.4138% | 5,801 |
| Net loans and leases to core deposits | 64.4967% | 6,014 |
| Total domestic deposits to total assets | 82.6678% | 4,940 |
| Equity capital to assets | 17.1644% | 441 |
| Core capital (leverage) ratio | 16.8064% | 410 |
| Tier 1 risk-based capital ratio | 37.2774% | 291 |
| Total risk-based capital ratio | 38.1637% | 294 |
| Memoranda: | ||
| Average total assets | $52,068,800 | 6,459 |
| Average earning assets | $50,191,800 | 6,359 |
| Average equity | $9,132,200 | 5,382 |
| Average total loans | $27,603,800 | 6,520 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2649% | 7,015 |
| Cost of funding earning assets | 1.0882% | 5,496 |
| Net interest margin | 3.1767% | 6,417 |
| Noninterest income to average assets | 0.2001% | 6,467 |
| Noninterest expense to average assets | 1.4519% | 7,571 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.8110% | 488 |
| Return on assets (ROA) | 1.8110% | 535 |
| Pretax return on assets | 1.8110% | 908 |
| Return on Equity (ROE) | 10.2707% | 2,016 |
| Retained earnings to average equity (ytd only) | 9.1796% | 995 |
| Net charge-offs to loans | 0.0096% | 6,532 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 352.5506% | 88 |
| Efficiency ratio | 44.4969% | 7,450 |
| Assets per employee ($millions) | 10.9074% | 213 |
| Cash dividends to net income (ytd only)* | 10.6235% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7194% | 7,164 |
| Loan loss allowance to noncurrent loans | 6,600.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 7,362 |
| Noncurrent loans to loans | 0.0109% | 7,241 |
| Net loans and leases to total assets | 50.1036% | 6,315 |
| Net loans and leases to deposits | 60.7411% | 6,246 |
| Net loans and leases to core deposits | 62.5486% | 6,410 |
| Total domestic deposits to total assets | 82.4871% | 4,806 |
| Equity capital to assets | 17.3515% | 482 |
| Core capital (leverage) ratio | 18.2694% | 333 |
| Tier 1 risk-based capital ratio | 39.4917% | 256 |
| Total risk-based capital ratio | 40.3180% | 257 |
| Memoranda: | ||
| Average total assets | $51,976,000 | 6,542 |
| Average earning assets | $50,113,250 | 6,434 |
| Average equity | $9,165,000 | 5,443 |
| Average total loans | $27,687,000 | 6,607 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3699% | 6,952 |
| Cost of funding earning assets | 1.1564% | 5,360 |
| Net interest margin | 3.2135% | 6,274 |
| Noninterest income to average assets | 0.2034% | 6,451 |
| Noninterest expense to average assets | 1.4827% | 7,624 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.8192% | 468 |
| Return on assets (ROA) | 1.8192% | 505 |
| Pretax return on assets | 1.8192% | 856 |
| Return on Equity (ROE) | 10.2585% | 2,005 |
| Retained earnings to average equity (ytd only) | 10.2585% | 788 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9052% | 7,487 |
| Assets per employee ($millions) | 10.2182% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7234% | 7,199 |
| Loan loss allowance to noncurrent loans | 6,666.6667% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 7,410 |
| Noncurrent loans to loans | 0.0109% | 7,304 |
| Net loans and leases to total assets | 53.7198% | 6,020 |
| Net loans and leases to deposits | 65.7988% | 5,830 |
| Net loans and leases to core deposits | 68.0316% | 6,052 |
| Total domestic deposits to total assets | 81.6426% | 5,132 |
| Equity capital to assets | 18.1969% | 399 |
| Core capital (leverage) ratio | 18.0724% | 353 |
| Tier 1 risk-based capital ratio | 39.5769% | 257 |
| Total risk-based capital ratio | 40.4282% | 255 |
| Memoranda: | ||
| Average total assets | $51,122,330 | 6,611 |
| Average earning assets | $49,291,330 | 6,498 |
| Average equity | $9,065,670 | 5,485 |
| Average total loans | $27,741,670 | 6,652 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4148% | 6,972 |
| Cost of funding earning assets | 1.1930% | 5,444 |
| Net interest margin | 3.2218% | 6,224 |
| Noninterest income to average assets | 0.2268% | 6,338 |
| Noninterest expense to average assets | 1.4862% | 7,718 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8460% | 453 |
| Return on assets (ROA) | 1.8460% | 498 |
| Pretax return on assets | 1.8460% | 814 |
| Return on Equity (ROE) | 10.5475% | 1,923 |
| Retained earnings to average equity (ytd only) | 10.5475% | 1,022 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6009% | 7,601 |
| Assets per employee ($millions) | 10.2346% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 7,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 53.5927% | 6,078 |
| Net loans and leases to deposits | 65.2479% | 5,902 |
| Net loans and leases to core deposits | 67.4413% | 6,156 |
| Total domestic deposits to total assets | 82.1371% | 5,016 |
| Equity capital to assets | 17.7203% | 448 |
| Core capital (leverage) ratio | 17.5048% | 402 |
| Tier 1 risk-based capital ratio | 38.3085% | 282 |
| Total risk-based capital ratio | 39.1534% | 282 |
| Memoranda: | ||
| Average total assets | $51,138,000 | 6,694 |
| Average earning assets | $49,289,000 | 6,579 |
| Average equity | $8,950,000 | 5,558 |
| Average total loans | $27,789,500 | 6,729 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7974% | 6,958 |
| Cost of funding earning assets | 1.5649% | 5,204 |
| Net interest margin | 3.2325% | 5,982 |
| Noninterest income to average assets | 0.2305% | 6,462 |
| Noninterest expense to average assets | 1.5629% | 7,789 |
| Loan and lease loss provision to assets | 0.0364% | 7,177 |
| Net operating income to assets | 1.7510% | 399 |
| Return on assets (ROA) | 1.7510% | 421 |
| Pretax return on assets | 1.7510% | 698 |
| Return on Equity (ROE) | 9.6600% | 1,791 |
| Retained earnings to average equity (ytd only) | 1.6286% | 3,943 |
| Net charge-offs to loans | 0.1736% | 5,562 |
| Credit loss provision to net charge-offs | 37.5000% | 6,851 |
| Earnings coverage of net charge-offs (x) | 18.4167% | 1,126 |
| Efficiency ratio | 46.6506% | 7,684 |
| Assets per employee ($millions) | 10.2206% | 246 |
| Cash dividends to net income (ytd only)* | 83.1409% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7155% | 7,341 |
| Loan loss allowance to noncurrent loans | 769.2308% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 7,372 |
| Noncurrent loans to loans | 0.0930% | 7,177 |
| Net loans and leases to total assets | 54.3099% | 6,169 |
| Net loans and leases to deposits | 65.8224% | 6,071 |
| Net loans and leases to core deposits | 78.2111% | 6,245 |
| Total domestic deposits to total assets | 82.5098% | 4,741 |
| Equity capital to assets | 17.2827% | 522 |
| Core capital (leverage) ratio | 17.0657% | 485 |
| Tier 1 risk-based capital ratio | 36.4236% | 317 |
| Total risk-based capital ratio | 37.2484% | 318 |
| Memoranda: | ||
| Average total assets | $49,458,800 | 6,733 |
| Average earning assets | $47,734,400 | 6,609 |
| Average equity | $8,964,800 | 5,615 |
| Average total loans | $27,651,200 | 6,763 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8488% | 7,014 |
| Cost of funding earning assets | 1.6276% | 5,270 |
| Net interest margin | 3.2213% | 5,943 |
| Noninterest income to average assets | 0.2175% | 6,675 |
| Noninterest expense to average assets | 1.5603% | 7,860 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.7670% | 486 |
| Return on assets (ROA) | 1.7670% | 512 |
| Pretax return on assets | 1.7670% | 860 |
| Return on Equity (ROE) | 9.6316% | 2,055 |
| Retained earnings to average equity (ytd only) | 8.5202% | 970 |
| Net charge-offs to loans | 0.0822% | 5,859 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 38.2289% | 777 |
| Efficiency ratio | 46.8954% | 7,726 |
| Assets per employee ($millions) | 9.9652% | 275 |
| Cash dividends to net income (ytd only)* | 11.5387% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7716% | 7,204 |
| Loan loss allowance to noncurrent loans | 443.7500% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 7,307 |
| Noncurrent loans to loans | 0.1739% | 7,058 |
| Net loans and leases to total assets | 54.9733% | 6,269 |
| Net loans and leases to deposits | 67.8196% | 6,141 |
| Net loans and leases to core deposits | 82.7673% | 6,135 |
| Total domestic deposits to total assets | 81.0581% | 5,062 |
| Equity capital to assets | 18.5867% | 460 |
| Core capital (leverage) ratio | 18.4648% | 420 |
| Tier 1 risk-based capital ratio | 38.2813% | 310 |
| Total risk-based capital ratio | 39.1617% | 307 |
| Memoranda: | ||
| Average total assets | $49,047,750 | 6,801 |
| Average earning assets | $47,350,250 | 6,673 |
| Average equity | $8,998,000 | 5,661 |
| Average total loans | $27,575,500 | 6,825 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9374% | 6,950 |
| Cost of funding earning assets | 1.6712% | 5,416 |
| Net interest margin | 3.2661% | 5,682 |
| Noninterest income to average assets | 0.1968% | 6,886 |
| Noninterest expense to average assets | 1.5577% | 7,939 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.7955% | 472 |
| Return on assets (ROA) | 1.7955% | 508 |
| Pretax return on assets | 1.7955% | 858 |
| Return on Equity (ROE) | 9.8313% | 2,077 |
| Retained earnings to average equity (ytd only) | 9.8313% | 767 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4548% | 7,833 |
| Assets per employee ($millions) | 9.9360% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8361% | 7,034 |
| Loan loss allowance to noncurrent loans | 377.0492% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 7,142 |
| Noncurrent loans to loans | 0.2218% | 6,953 |
| Net loans and leases to total assets | 54.9074% | 6,346 |
| Net loans and leases to deposits | 67.5884% | 6,240 |
| Net loans and leases to core deposits | 81.1990% | 6,306 |
| Total domestic deposits to total assets | 81.2379% | 4,980 |
| Equity capital to assets | 18.3655% | 519 |
| Core capital (leverage) ratio | 18.3508% | 471 |
| Tier 1 risk-based capital ratio | 38.2766% | 342 |
| Total risk-based capital ratio | 39.2415% | 341 |
| Memoranda: | ||
| Average total assets | $48,788,330 | 6,878 |
| Average earning assets | $47,150,670 | 6,745 |
| Average equity | $8,910,330 | 5,713 |
| Average total loans | $27,566,000 | 6,877 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0753% | 6,725 |
| Cost of funding earning assets | 1.7545% | 5,338 |
| Net interest margin | 3.3207% | 5,432 |
| Noninterest income to average assets | 0.1986% | 6,874 |
| Noninterest expense to average assets | 1.4645% | 8,008 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.9445% | 384 |
| Return on assets (ROA) | 1.9445% | 437 |
| Pretax return on assets | 1.9445% | 736 |
| Return on Equity (ROE) | 10.6776% | 2,079 |
| Retained earnings to average equity (ytd only) | 10.6776% | 1,043 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9612% | 7,969 |
| Assets per employee ($millions) | 9.6800% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8444% | 6,994 |
| Loan loss allowance to noncurrent loans | 522.7273% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 7,186 |
| Noncurrent loans to loans | 0.1615% | 7,068 |
| Net loans and leases to total assets | 55.7996% | 6,266 |
| Net loans and leases to deposits | 68.6747% | 6,115 |
| Net loans and leases to core deposits | 80.2299% | 6,366 |
| Total domestic deposits to total assets | 81.2521% | 4,864 |
| Equity capital to assets | 18.4318% | 551 |
| Core capital (leverage) ratio | 18.1211% | 543 |
| Tier 1 risk-based capital ratio | 37.6128% | 367 |
| Total risk-based capital ratio | 38.5825% | 368 |
| Memoranda: | ||
| Average total assets | $48,342,500 | 6,936 |
| Average earning assets | $46,736,500 | 6,808 |
| Average equity | $8,803,500 | 5,774 |
| Average total loans | $27,595,000 | 6,907 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2035% | 7,686 |
| Cost of funding earning assets | 2.2152% | 5,533 |
| Net interest margin | 2.9883% | 6,943 |
| Noninterest income to average assets | 0.2250% | 6,832 |
| Noninterest expense to average assets | 1.5025% | 8,035 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5706% | 885 |
| Return on assets (ROA) | 1.5706% | 854 |
| Pretax return on assets | 1.5706% | 1,476 |
| Return on Equity (ROE) | 8.7179% | 2,747 |
| Retained earnings to average equity (ytd only) | 2.0162% | 3,976 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8919% | 7,744 |
| Assets per employee ($millions) | 8.0475% | 464 |
| Cash dividends to net income (ytd only)* | 76.8725% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 7,020 |
| Loan loss allowance to noncurrent loans | 1,150.0000% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 7,427 |
| Noncurrent loans to loans | 0.0715% | 7,217 |
| Net loans and leases to total assets | 57.4153% | 6,288 |
| Net loans and leases to deposits | 70.3076% | 6,241 |
| Net loans and leases to core deposits | 80.9572% | 6,540 |
| Total domestic deposits to total assets | 81.6630% | 4,333 |
| Equity capital to assets | 17.9890% | 652 |
| Core capital (leverage) ratio | 17.4100% | 658 |
| Tier 1 risk-based capital ratio | 36.0849% | 418 |
| Total risk-based capital ratio | 37.0404% | 418 |
| Memoranda: | ||
| Average total assets | $48,452,800 | 6,843 |
| Average earning assets | $46,180,200 | 6,759 |
| Average equity | $8,729,200 | 5,835 |
| Average total loans | $27,159,600 | 6,888 |