Home > Arcola First Bank > Performance and Condition Ratios
Arcola First Bank, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1412% | 4,528 |
| Cost of funding earning assets | 1.4674% | 3,271 |
| Net interest margin | 1.6738% | 4,431 |
| Noninterest income to average assets | 0.2900% | 2,998 |
| Noninterest expense to average assets | 2.0796% | 3,370 |
| Loan and lease loss provision to assets | -0.4700% | 4,563 |
| Net operating income to assets | 0.3075% | 3,804 |
| Return on assets (ROA) | 0.3075% | 3,833 |
| Pretax return on assets | 0.3075% | 3,909 |
| Return on Equity (ROE) | 8.2300% | 2,624 |
| Retained earnings to average equity (ytd only) | -12.5597% | 4,363 |
| Net charge-offs to loans | 0.0280% | 1,301 |
| Credit loss provision to net charge-offs | -7,450.0000% | 4,584 |
| Earnings coverage of net charge-offs (x) | -26.0000% | 4,562 |
| Efficiency ratio | 108.6093% | 195 |
| Assets per employee ($millions) | 7.5922% | 1,698 |
| Cash dividends to net income (ytd only)* | 252.5773% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 2,649 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 22.9500% | 4,366 |
| Net loans and leases to deposits | 24.9915% | 4,384 |
| Net loans and leases to core deposits | 26.3161% | 4,417 |
| Total domestic deposits to total assets | 91.8100% | 363 |
| Equity capital to assets | 3.6995% | 4,488 |
| Core capital (leverage) ratio | 11.0687% | 1,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5344% | 516 |
| Memoranda: | ||
| Average total assets | $126,178,500 | 3,594 |
| Average earning assets | $122,118,000 | 3,537 |
| Average equity | $4,713,500 | 4,313 |
| Average total loans | $28,587,000 | 4,173 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0230% | 4,518 |
| Cost of funding earning assets | 1.1917% | 2,825 |
| Net interest margin | 1.8313% | 4,453 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 1.7798% | 4,029 |
| Loan and lease loss provision to assets | -0.1500% | 4,547 |
| Net operating income to assets | 0.4426% | 3,781 |
| Return on assets (ROA) | 0.4370% | 3,794 |
| Pretax return on assets | 0.4370% | 3,912 |
| Return on Equity (ROE) | 18.0800% | 806 |
| Retained earnings to average equity (ytd only) | 5.4963% | 2,407 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 86.0015% | 564 |
| Assets per employee ($millions) | 8.1801% | 1,343 |
| Cash dividends to net income (ytd only)* | 69.5971% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 806 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 21.7900% | 4,388 |
| Net loans and leases to deposits | 23.6615% | 4,406 |
| Net loans and leases to core deposits | 24.6552% | 4,435 |
| Total domestic deposits to total assets | 92.0700% | 296 |
| Equity capital to assets | 3.7690% | 4,509 |
| Core capital (leverage) ratio | 11.2036% | 1,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7226% | 560 |
| Memoranda: | ||
| Average total assets | $124,955,400 | 3,600 |
| Average earning assets | $121,171,000 | 3,532 |
| Average equity | $3,020,200 | 4,427 |
| Average total loans | $27,356,000 | 4,178 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9971% | 4,530 |
| Cost of funding earning assets | 1.0854% | 2,785 |
| Net interest margin | 1.9117% | 4,466 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 1.7893% | 4,003 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3563% | 4,036 |
| Return on assets (ROA) | 0.3499% | 4,051 |
| Pretax return on assets | 0.3499% | 4,117 |
| Return on Equity (ROE) | 16.9900% | 1,078 |
| Retained earnings to average equity (ytd only) | -2.9372% | 4,362 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.3920% | 652 |
| Assets per employee ($millions) | 7.6617% | 1,534 |
| Cash dividends to net income (ytd only)* | 117.2840% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2519% | 274 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 23.4100% | 4,402 |
| Net loans and leases to deposits | 24.7988% | 4,423 |
| Net loans and leases to core deposits | 25.9121% | 4,416 |
| Total domestic deposits to total assets | 94.3800% | 155 |
| Equity capital to assets | 1.0238% | 4,573 |
| Core capital (leverage) ratio | 11.0635% | 1,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6297% | 581 |
| Memoranda: | ||
| Average total assets | $123,473,750 | 3,626 |
| Average earning assets | $119,889,250 | 3,558 |
| Average equity | $2,542,000 | 4,477 |
| Average total loans | $26,949,500 | 4,202 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9312% | 4,563 |
| Cost of funding earning assets | 0.9010% | 2,925 |
| Net interest margin | 2.0302% | 4,489 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 1.7969% | 4,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4541% | 3,910 |
| Return on assets (ROA) | 0.4541% | 3,912 |
| Pretax return on assets | 0.4541% | 4,038 |
| Return on Equity (ROE) | 18.9200% | 841 |
| Retained earnings to average equity (ytd only) | -6.6644% | 4,463 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.8277% | 852 |
| Assets per employee ($millions) | 7.7118% | 1,462 |
| Cash dividends to net income (ytd only)* | 135.2313% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4749% | 228 |
| 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 | 21.1100% | 4,446 |
| Net loans and leases to deposits | 22.8695% | 4,461 |
| Net loans and leases to core deposits | 23.9621% | 4,451 |
| Total domestic deposits to total assets | 92.3100% | 361 |
| Equity capital to assets | 2.3438% | 4,595 |
| Core capital (leverage) ratio | 11.0192% | 1,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8590% | 562 |
| Memoranda: | ||
| Average total assets | $123,769,333 | 3,636 |
| Average earning assets | $120,089,333 | 3,566 |
| Average equity | $2,971,000 | 4,477 |
| Average total loans | $26,148,333 | 4,226 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8747% | 4,587 |
| Cost of funding earning assets | 0.7337% | 2,949 |
| Net interest margin | 2.1410% | 4,518 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.7683% | 4,078 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5712% | 3,743 |
| Return on assets (ROA) | 0.5712% | 3,711 |
| Pretax return on assets | 0.5712% | 3,889 |
| Return on Equity (ROE) | 23.5200% | 478 |
| Retained earnings to average equity (ytd only) | -9.0350% | 4,455 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.5862% | 1,197 |
| Assets per employee ($millions) | 7.8509% | 1,434 |
| Cash dividends to net income (ytd only)* | 138.4181% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6072% | 205 |
| 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 | 19.6600% | 4,520 |
| Net loans and leases to deposits | 20.6979% | 4,535 |
| Net loans and leases to core deposits | 21.0009% | 4,532 |
| Total domestic deposits to total assets | 94.9700% | 93 |
| Equity capital to assets | 3.1796% | 4,593 |
| Core capital (leverage) ratio | 9.9547% | 2,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8812% | 578 |
| Memoranda: | ||
| Average total assets | $123,960,000 | 3,679 |
| Average earning assets | $119,945,000 | 3,609 |
| Average equity | $3,010,500 | 4,537 |
| Average total loans | $25,868,500 | 4,291 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4722% | 4,514 |
| Cost of funding earning assets | 0.3073% | 2,816 |
| Net interest margin | 2.1649% | 4,492 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.8205% | 3,988 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5908% | 3,904 |
| Return on assets (ROA) | 0.5978% | 3,843 |
| Pretax return on assets | 0.5978% | 4,032 |
| Return on Equity (ROE) | 12.3300% | 2,028 |
| Retained earnings to average equity (ytd only) | 6.2675% | 2,548 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.4971% | 1,069 |
| Assets per employee ($millions) | 7.1944% | 1,828 |
| Cash dividends to net income (ytd only)* | 49.1591% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5053% | 209 |
| 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 | 21.0300% | 4,540 |
| Net loans and leases to deposits | 21.8809% | 4,558 |
| Net loans and leases to core deposits | 22.3496% | 4,548 |
| Total domestic deposits to total assets | 96.1200% | 76 |
| Equity capital to assets | 1.6573% | 4,659 |
| Core capital (leverage) ratio | 10.0667% | 2,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3599% | 525 |
| Memoranda: | ||
| Average total assets | $129,307,200 | 3,642 |
| Average earning assets | $124,947,800 | 3,570 |
| Average equity | $6,270,400 | 4,298 |
| Average total loans | $22,405,400 | 4,372 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3798% | 4,505 |
| Cost of funding earning assets | 0.2024% | 3,241 |
| Net interest margin | 2.1773% | 4,477 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.7437% | 4,087 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6847% | 3,605 |
| Return on assets (ROA) | 0.6938% | 3,543 |
| Pretax return on assets | 0.6938% | 3,811 |
| Return on Equity (ROE) | 12.4000% | 1,911 |
| Retained earnings to average equity (ytd only) | 5.4923% | 2,923 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.8056% | 1,542 |
| Assets per employee ($millions) | 7.8616% | 1,395 |
| Cash dividends to net income (ytd only)* | 55.7185% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7864% | 163 |
| 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 | 18.3300% | 4,602 |
| Net loans and leases to deposits | 19.4077% | 4,612 |
| Net loans and leases to core deposits | 19.7509% | 4,602 |
| Total domestic deposits to total assets | 94.4700% | 296 |
| Equity capital to assets | 0.9397% | 4,698 |
| Core capital (leverage) ratio | 10.0000% | 2,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2529% | 543 |
| Memoranda: | ||
| Average total assets | $131,057,750 | 3,649 |
| Average earning assets | $126,451,250 | 3,588 |
| Average equity | $7,331,250 | 4,216 |
| Average total loans | $21,410,750 | 4,420 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2677% | 4,539 |
| Cost of funding earning assets | 0.1527% | 3,533 |
| Net interest margin | 2.1150% | 4,505 |
| Noninterest income to average assets | 0.3463% | 3,076 |
| Noninterest expense to average assets | 1.6670% | 4,188 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7228% | 3,233 |
| Return on assets (ROA) | 0.7364% | 3,148 |
| Pretax return on assets | 0.7364% | 3,488 |
| Return on Equity (ROE) | 10.4253% | 2,183 |
| Retained earnings to average equity (ytd only) | 2.3238% | 3,663 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7543% | 1,994 |
| Assets per employee ($millions) | 8.3060% | 1,152 |
| Cash dividends to net income (ytd only)* | 77.7096% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1366% | 126 |
| 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 | 15.3601% | 4,685 |
| Net loans and leases to deposits | 16.2892% | 4,690 |
| Net loans and leases to core deposits | 16.4950% | 4,687 |
| Total domestic deposits to total assets | 94.2963% | 233 |
| Equity capital to assets | 4.0167% | 4,622 |
| Core capital (leverage) ratio | 9.9089% | 2,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4818% | 508 |
| Memoranda: | ||
| Average total assets | $132,815,333 | 3,669 |
| Average earning assets | $128,324,333 | 3,615 |
| Average equity | $9,381,000 | 4,061 |
| Average total loans | $20,640,333 | 4,495 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1746% | 4,542 |
| Cost of funding earning assets | 0.1466% | 3,541 |
| Net interest margin | 2.0279% | 4,492 |
| Noninterest income to average assets | 0.4037% | 2,666 |
| Noninterest expense to average assets | 1.6389% | 4,236 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7230% | 2,971 |
| Return on assets (ROA) | 0.7501% | 2,846 |
| Pretax return on assets | 0.7501% | 3,249 |
| Return on Equity (ROE) | 8.7349% | 2,420 |
| Retained earnings to average equity (ytd only) | 0.1403% | 3,988 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3878% | 2,315 |
| Assets per employee ($millions) | 8.3645% | 1,182 |
| Cash dividends to net income (ytd only)* | 98.3936% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5790% | 95 |
| 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 | 13.3062% | 4,722 |
| Net loans and leases to deposits | 14.4848% | 4,727 |
| Net loans and leases to core deposits | 14.7317% | 4,721 |
| Total domestic deposits to total assets | 91.8637% | 631 |
| Equity capital to assets | 6.4865% | 4,430 |
| Core capital (leverage) ratio | 9.8021% | 2,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9649% | 494 |
| Memoranda: | ||
| Average total assets | $132,775,000 | 3,695 |
| Average earning assets | $128,208,500 | 3,633 |
| Average equity | $11,402,500 | 3,914 |
| Average total loans | $20,423,500 | 4,515 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2491% | 4,607 |
| Cost of funding earning assets | 0.1676% | 3,800 |
| Net interest margin | 2.0815% | 4,551 |
| Noninterest income to average assets | 0.3778% | 3,171 |
| Noninterest expense to average assets | 1.7920% | 4,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5905% | 3,897 |
| Return on assets (ROA) | 0.6547% | 3,793 |
| Pretax return on assets | 0.6547% | 4,023 |
| Return on Equity (ROE) | 6.0000% | 3,776 |
| Retained earnings to average equity (ytd only) | 3.3365% | 3,479 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2167% | 1,185 |
| Assets per employee ($millions) | 8.2324% | 1,202 |
| Cash dividends to net income (ytd only)* | 44.3925% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9538% | 154 |
| 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 | 16.4875% | 4,746 |
| Net loans and leases to deposits | 18.8305% | 4,751 |
| Net loans and leases to core deposits | 19.1728% | 4,749 |
| Total domestic deposits to total assets | 87.5575% | 2,259 |
| Equity capital to assets | 10.7229% | 1,999 |
| Core capital (leverage) ratio | 10.1203% | 2,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4363% | 525 |
| Memoranda: | ||
| Average total assets | $130,746,200 | 3,678 |
| Average earning assets | $125,919,600 | 3,617 |
| Average equity | $14,266,600 | 3,710 |
| Average total loans | $21,158,000 | 4,549 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2544% | 4,690 |
| Cost of funding earning assets | 0.1712% | 3,909 |
| Net interest margin | 2.0831% | 4,633 |
| Noninterest income to average assets | 0.3944% | 3,127 |
| Noninterest expense to average assets | 1.7634% | 4,235 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6324% | 3,946 |
| Return on assets (ROA) | 0.6610% | 3,922 |
| Pretax return on assets | 0.6610% | 4,139 |
| Return on Equity (ROE) | 6.0315% | 3,908 |
| Retained earnings to average equity (ytd only) | 2.4891% | 4,055 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6034% | 1,250 |
| Assets per employee ($millions) | 8.1344% | 1,215 |
| Cash dividends to net income (ytd only)* | 58.7326% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2586% | 122 |
| 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 | 15.0779% | 4,827 |
| Net loans and leases to deposits | 17.2587% | 4,834 |
| Net loans and leases to core deposits | 17.6199% | 4,831 |
| Total domestic deposits to total assets | 87.3639% | 2,179 |
| Equity capital to assets | 10.8274% | 2,145 |
| Core capital (leverage) ratio | 10.0540% | 2,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9400% | 490 |
| Memoranda: | ||
| Average total assets | $130,503,250 | 3,707 |
| Average earning assets | $125,384,000 | 3,659 |
| Average equity | $14,302,250 | 3,749 |
| Average total loans | $20,853,000 | 4,619 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2175% | 4,754 |
| Cost of funding earning assets | 0.1738% | 4,005 |
| Net interest margin | 2.0437% | 4,687 |
| Noninterest income to average assets | 0.3721% | 3,254 |
| Noninterest expense to average assets | 1.7501% | 4,281 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5849% | 4,013 |
| Return on assets (ROA) | 0.6278% | 3,982 |
| Pretax return on assets | 0.6278% | 4,194 |
| Return on Equity (ROE) | 5.7054% | 3,977 |
| Retained earnings to average equity (ytd only) | 0.4175% | 4,447 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9508% | 1,166 |
| Assets per employee ($millions) | 8.5043% | 1,009 |
| Cash dividends to net income (ytd only)* | 92.6829% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3317% | 114 |
| 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 | 14.0951% | 4,875 |
| Net loans and leases to deposits | 16.0588% | 4,878 |
| Net loans and leases to core deposits | 16.4136% | 4,874 |
| Total domestic deposits to total assets | 87.7716% | 1,946 |
| Equity capital to assets | 10.4932% | 2,395 |
| Core capital (leverage) ratio | 13.1358% | 771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0307% | 615 |
| Memoranda: | ||
| Average total assets | $130,620,667 | 3,720 |
| Average earning assets | $125,456,333 | 3,672 |
| Average equity | $14,372,333 | 3,754 |
| Average total loans | $21,042,333 | 4,645 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2265% | 4,785 |
| Cost of funding earning assets | 0.1820% | 4,066 |
| Net interest margin | 2.0445% | 4,709 |
| Noninterest income to average assets | 0.4285% | 2,939 |
| Noninterest expense to average assets | 1.8202% | 4,175 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5755% | 4,004 |
| Return on assets (ROA) | 0.6630% | 3,869 |
| Pretax return on assets | 0.6630% | 4,090 |
| Return on Equity (ROE) | 5.8809% | 3,891 |
| Retained earnings to average equity (ytd only) | -0.8877% | 4,451 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9791% | 1,142 |
| Assets per employee ($millions) | 8.1194% | 1,141 |
| Cash dividends to net income (ytd only)* | 115.0943% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1587% | 131 |
| 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 | 15.5991% | 4,891 |
| Net loans and leases to deposits | 17.8132% | 4,892 |
| Net loans and leases to core deposits | 18.0197% | 4,895 |
| Total domestic deposits to total assets | 87.5707% | 2,059 |
| Equity capital to assets | 10.3040% | 2,431 |
| Core capital (leverage) ratio | 12.0871% | 1,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8375% | 597 |
| Memoranda: | ||
| Average total assets | $127,896,500 | 3,760 |
| Average earning assets | $123,064,500 | 3,706 |
| Average equity | $14,419,500 | 3,755 |
| Average total loans | $21,643,500 | 4,660 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4754% | 4,849 |
| Cost of funding earning assets | 0.2838% | 4,225 |
| Net interest margin | 2.1916% | 4,765 |
| Noninterest income to average assets | 0.4359% | 2,930 |
| Noninterest expense to average assets | 1.9206% | 4,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6399% | 3,625 |
| Return on assets (ROA) | 0.6475% | 3,729 |
| Pretax return on assets | 0.6475% | 3,982 |
| Return on Equity (ROE) | 5.2321% | 3,840 |
| Retained earnings to average equity (ytd only) | 2.1817% | 3,749 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0083% | 1,333 |
| Assets per employee ($millions) | 7.8676% | 1,083 |
| Cash dividends to net income (ytd only)* | 58.3007% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9605% | 153 |
| 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 | 17.2376% | 4,900 |
| Net loans and leases to deposits | 20.0527% | 4,905 |
| Net loans and leases to core deposits | 20.2967% | 4,905 |
| Total domestic deposits to total assets | 85.9615% | 2,382 |
| Equity capital to assets | 12.2758% | 1,435 |
| Core capital (leverage) ratio | 10.9251% | 1,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2037% | 493 |
| Memoranda: | ||
| Average total assets | $118,142,600 | 3,768 |
| Average earning assets | $114,528,200 | 3,700 |
| Average equity | $14,621,400 | 3,683 |
| Average total loans | $20,399,400 | 4,704 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5160% | 4,905 |
| Cost of funding earning assets | 0.3123% | 4,260 |
| Net interest margin | 2.2038% | 4,820 |
| Noninterest income to average assets | 0.4211% | 2,980 |
| Noninterest expense to average assets | 1.8564% | 4,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7022% | 3,451 |
| Return on assets (ROA) | 0.7022% | 3,553 |
| Pretax return on assets | 0.7022% | 3,894 |
| Return on Equity (ROE) | 5.6612% | 3,675 |
| Retained earnings to average equity (ytd only) | 1.5356% | 4,074 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5561% | 1,572 |
| Assets per employee ($millions) | 7.4603% | 1,238 |
| Cash dividends to net income (ytd only)* | 72.8758% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1706% | 121 |
| 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 | 16.9371% | 4,948 |
| Net loans and leases to deposits | 20.4636% | 4,946 |
| Net loans and leases to core deposits | 20.8989% | 4,952 |
| Total domestic deposits to total assets | 82.7671% | 3,199 |
| Equity capital to assets | 12.8379% | 1,252 |
| Core capital (leverage) ratio | 10.9729% | 1,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0244% | 448 |
| Memoranda: | ||
| Average total assets | $116,207,750 | 3,783 |
| Average earning assets | $112,714,000 | 3,718 |
| Average equity | $14,413,500 | 3,708 |
| Average total loans | $19,909,000 | 4,752 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5406% | 4,956 |
| Cost of funding earning assets | 0.3519% | 4,260 |
| Net interest margin | 2.1887% | 4,885 |
| Noninterest income to average assets | 0.4099% | 3,017 |
| Noninterest expense to average assets | 1.8393% | 4,503 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6878% | 3,435 |
| Return on assets (ROA) | 0.6878% | 3,535 |
| Pretax return on assets | 0.6878% | 3,895 |
| Return on Equity (ROE) | 5.6130% | 3,622 |
| Retained earnings to average equity (ytd only) | -0.7087% | 4,435 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7835% | 1,590 |
| Assets per employee ($millions) | 7.4797% | 1,191 |
| Cash dividends to net income (ytd only)* | 112.6263% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2373% | 113 |
| 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 | 16.5339% | 4,978 |
| Net loans and leases to deposits | 19.4148% | 4,983 |
| Net loans and leases to core deposits | 19.8645% | 4,985 |
| Total domestic deposits to total assets | 85.1615% | 2,328 |
| Equity capital to assets | 12.4646% | 1,392 |
| Core capital (leverage) ratio | 11.0464% | 1,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2307% | 438 |
| Memoranda: | ||
| Average total assets | $115,155,333 | 3,784 |
| Average earning assets | $111,392,000 | 3,718 |
| Average equity | $14,110,000 | 3,752 |
| Average total loans | $19,585,667 | 4,781 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6175% | 5,031 |
| Cost of funding earning assets | 0.4185% | 4,296 |
| Net interest margin | 2.1990% | 4,961 |
| Noninterest income to average assets | 0.3082% | 3,665 |
| Noninterest expense to average assets | 1.8495% | 4,611 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5811% | 3,657 |
| Return on assets (ROA) | 0.5811% | 3,717 |
| Pretax return on assets | 0.5811% | 3,948 |
| Return on Equity (ROE) | 4.7861% | 3,715 |
| Retained earnings to average equity (ytd only) | -4.2608% | 4,457 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0933% | 1,555 |
| Assets per employee ($millions) | 7.0534% | 1,072 |
| Cash dividends to net income (ytd only)* | 189.0244% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4914% | 99 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 16.2146% | 5,027 |
| Net loans and leases to deposits | 18.9448% | 5,032 |
| Net loans and leases to core deposits | 19.3554% | 5,032 |
| Total domestic deposits to total assets | 85.5886% | 2,176 |
| Equity capital to assets | 12.4638% | 1,755 |
| Core capital (leverage) ratio | 10.9541% | 2,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,895,500 | 3,804 |
| Average earning assets | $108,960,000 | 3,727 |
| Average equity | $13,706,500 | 3,809 |
| Average total loans | $19,154,000 | 4,825 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6464% | 5,109 |
| Cost of funding earning assets | 0.4640% | 4,228 |
| Net interest margin | 2.1823% | 5,060 |
| Noninterest income to average assets | 0.2951% | 3,920 |
| Noninterest expense to average assets | 1.9735% | 4,581 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4289% | 4,547 |
| Return on assets (ROA) | 0.4754% | 4,501 |
| Pretax return on assets | 0.4754% | 4,614 |
| Return on Equity (ROE) | 4.1242% | 4,433 |
| Retained earnings to average equity (ytd only) | 1.9752% | 4,013 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1456% | 791 |
| Assets per employee ($millions) | 7.0585% | 1,018 |
| Cash dividends to net income (ytd only)* | 52.1073% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4217% | 91 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 16.5448% | 5,091 |
| Net loans and leases to deposits | 19.1541% | 5,099 |
| Net loans and leases to core deposits | 19.4615% | 5,098 |
| Total domestic deposits to total assets | 86.3772% | 1,896 |
| Equity capital to assets | 11.8182% | 2,266 |
| Core capital (leverage) ratio | 11.3784% | 2,201 |
| Tier 1 risk-based capital ratio | 27.4205% | 595 |
| Total risk-based capital ratio | 28.6710% | 581 |
| Memoranda: | ||
| Average total assets | $109,806,600 | 3,836 |
| Average earning assets | $106,032,800 | 3,778 |
| Average equity | $12,657,000 | 3,917 |
| Average total loans | $18,559,600 | 4,896 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6348% | 5,202 |
| Cost of funding earning assets | 0.4708% | 4,259 |
| Net interest margin | 2.1640% | 5,155 |
| Noninterest income to average assets | 0.2911% | 3,991 |
| Noninterest expense to average assets | 1.9494% | 4,646 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4329% | 4,653 |
| Return on assets (ROA) | 0.4965% | 4,572 |
| Pretax return on assets | 0.4965% | 4,701 |
| Return on Equity (ROE) | 4.3359% | 4,522 |
| Retained earnings to average equity (ytd only) | 1.4311% | 4,452 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8275% | 768 |
| Assets per employee ($millions) | 6.9378% | 1,045 |
| Cash dividends to net income (ytd only)* | 66.9955% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5414% | 89 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 16.2434% | 5,175 |
| Net loans and leases to deposits | 18.8520% | 5,175 |
| Net loans and leases to core deposits | 19.1540% | 5,177 |
| Total domestic deposits to total assets | 86.1628% | 1,918 |
| Equity capital to assets | 11.8995% | 2,325 |
| Core capital (leverage) ratio | 11.4372% | 2,274 |
| Tier 1 risk-based capital ratio | 27.9190% | 581 |
| Total risk-based capital ratio | 29.1705% | 564 |
| Memoranda: | ||
| Average total assets | $109,024,250 | 3,887 |
| Average earning assets | $105,355,500 | 3,827 |
| Average equity | $12,484,500 | 3,973 |
| Average total loans | $18,362,750 | 4,974 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6133% | 5,262 |
| Cost of funding earning assets | 0.4620% | 4,277 |
| Net interest margin | 2.1514% | 5,222 |
| Noninterest income to average assets | 0.2898% | 4,004 |
| Noninterest expense to average assets | 1.9453% | 4,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4245% | 4,690 |
| Return on assets (ROA) | 0.4983% | 4,564 |
| Pretax return on assets | 0.4983% | 4,704 |
| Return on Equity (ROE) | 4.4107% | 4,491 |
| Retained earnings to average equity (ytd only) | -0.0327% | 4,685 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0872% | 795 |
| Assets per employee ($millions) | 6.7551% | 1,117 |
| Cash dividends to net income (ytd only)* | 100.7407% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7056% | 72 |
| 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 | 15.9168% | 5,228 |
| Net loans and leases to deposits | 18.4762% | 5,225 |
| Net loans and leases to core deposits | 18.6671% | 5,227 |
| Total domestic deposits to total assets | 86.1474% | 1,957 |
| Equity capital to assets | 11.8966% | 2,267 |
| Core capital (leverage) ratio | 11.4288% | 2,226 |
| Tier 1 risk-based capital ratio | 28.4321% | 546 |
| Total risk-based capital ratio | 29.6838% | 531 |
| Memoranda: | ||
| Average total assets | $108,364,000 | 3,922 |
| Average earning assets | $104,770,670 | 3,863 |
| Average equity | $12,243,000 | 4,011 |
| Average total loans | $18,252,670 | 5,017 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6300% | 5,327 |
| Cost of funding earning assets | 0.4594% | 4,246 |
| Net interest margin | 2.1706% | 5,283 |
| Noninterest income to average assets | 0.2654% | 4,107 |
| Noninterest expense to average assets | 1.9391% | 4,747 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4166% | 4,694 |
| Return on assets (ROA) | 0.4719% | 4,615 |
| Pretax return on assets | 0.4719% | 4,744 |
| Return on Equity (ROE) | 4.2897% | 4,517 |
| Retained earnings to average equity (ytd only) | -0.2681% | 4,572 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3161% | 844 |
| Assets per employee ($millions) | 6.8374% | 1,069 |
| Cash dividends to net income (ytd only)* | 106.2500% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6934% | 74 |
| 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 | 15.7791% | 5,286 |
| Net loans and leases to deposits | 18.7478% | 5,287 |
| Net loans and leases to core deposits | 18.8916% | 5,285 |
| Total domestic deposits to total assets | 84.1652% | 2,987 |
| Equity capital to assets | 11.2022% | 2,650 |
| Core capital (leverage) ratio | 11.3385% | 2,254 |
| Tier 1 risk-based capital ratio | 27.9325% | 565 |
| Total risk-based capital ratio | 29.1855% | 548 |
| Memoranda: | ||
| Average total assets | $108,505,500 | 3,962 |
| Average earning assets | $104,488,000 | 3,907 |
| Average equity | $11,935,500 | 4,064 |
| Average total loans | $18,446,500 | 5,069 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5979% | 5,331 |
| Cost of funding earning assets | 0.3170% | 4,487 |
| Net interest margin | 2.2808% | 5,289 |
| Noninterest income to average assets | 0.2966% | 4,126 |
| Noninterest expense to average assets | 2.0106% | 4,734 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4926% | 4,676 |
| Return on assets (ROA) | 0.4852% | 4,690 |
| Pretax return on assets | 0.4852% | 4,819 |
| Return on Equity (ROE) | 4.6368% | 4,548 |
| Retained earnings to average equity (ytd only) | 1.3123% | 4,609 |
| Net charge-offs to loans | -0.0047% | 4,340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3219% | 932 |
| Assets per employee ($millions) | 5.6638% | 1,810 |
| Cash dividends to net income (ytd only)* | 71.6981% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4899% | 83 |
| 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 | 17.0119% | 5,325 |
| Net loans and leases to deposits | 19.4961% | 5,328 |
| Net loans and leases to core deposits | 19.6425% | 5,327 |
| Total domestic deposits to total assets | 87.2580% | 1,659 |
| Equity capital to assets | 10.7942% | 2,890 |
| Core capital (leverage) ratio | 11.3451% | 2,231 |
| Tier 1 risk-based capital ratio | 30.5105% | 453 |
| Total risk-based capital ratio | 31.7644% | 445 |
| Memoranda: | ||
| Average total assets | $109,222,200 | 3,956 |
| Average earning assets | $105,663,000 | 3,883 |
| Average equity | $11,430,400 | 4,094 |
| Average total loans | $21,315,800 | 5,045 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5694% | 5,401 |
| Cost of funding earning assets | 0.2916% | 4,581 |
| Net interest margin | 2.2778% | 5,357 |
| Noninterest income to average assets | 0.2968% | 4,164 |
| Noninterest expense to average assets | 1.9363% | 4,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5741% | 4,577 |
| Return on assets (ROA) | 0.5583% | 4,629 |
| Pretax return on assets | 0.5583% | 4,804 |
| Return on Equity (ROE) | 5.3758% | 4,453 |
| Retained earnings to average equity (ytd only) | 0.9252% | 4,874 |
| Net charge-offs to loans | -0.0061% | 4,261 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1318% | 1,215 |
| Assets per employee ($millions) | 6.0051% | 1,482 |
| Cash dividends to net income (ytd only)* | 82.7887% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0781% | 128 |
| 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 | 19.2845% | 5,383 |
| Net loans and leases to deposits | 21.9530% | 5,392 |
| Net loans and leases to core deposits | 22.1158% | 5,390 |
| Total domestic deposits to total assets | 87.8446% | 1,313 |
| Equity capital to assets | 10.1858% | 3,468 |
| Core capital (leverage) ratio | 11.3184% | 2,321 |
| Tier 1 risk-based capital ratio | 27.8503% | 577 |
| Total risk-based capital ratio | 29.1015% | 566 |
| Memoranda: | ||
| Average total assets | $109,624,500 | 3,990 |
| Average earning assets | $106,532,250 | 3,907 |
| Average equity | $11,384,000 | 4,138 |
| Average total loans | $21,902,500 | 5,093 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5528% | 5,466 |
| Cost of funding earning assets | 0.2745% | 4,605 |
| Net interest margin | 2.2783% | 5,424 |
| Noninterest income to average assets | 0.3123% | 4,085 |
| Noninterest expense to average assets | 1.8613% | 5,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6665% | 4,297 |
| Return on assets (ROA) | 0.6665% | 4,302 |
| Pretax return on assets | 0.6665% | 4,593 |
| Return on Equity (ROE) | 6.3778% | 4,108 |
| Retained earnings to average equity (ytd only) | 1.6509% | 4,587 |
| Net charge-offs to loans | -0.0091% | 4,289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6351% | 1,765 |
| Assets per employee ($millions) | 6.8156% | 1,009 |
| Cash dividends to net income (ytd only)* | 74.1144% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0932% | 126 |
| 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 | 19.0188% | 5,448 |
| Net loans and leases to deposits | 21.9997% | 5,456 |
| Net loans and leases to core deposits | 22.1640% | 5,456 |
| Total domestic deposits to total assets | 86.4503% | 2,076 |
| Equity capital to assets | 10.3494% | 3,281 |
| Core capital (leverage) ratio | 11.1249% | 2,417 |
| Tier 1 risk-based capital ratio | 27.7958% | 568 |
| Total risk-based capital ratio | 29.0474% | 563 |
| Memoranda: | ||
| Average total assets | $110,135,330 | 4,014 |
| Average earning assets | $107,096,000 | 3,928 |
| Average equity | $11,508,670 | 4,155 |
| Average total loans | $22,034,330 | 5,148 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5221% | 5,532 |
| Cost of funding earning assets | 0.2533% | 4,690 |
| Net interest margin | 2.2688% | 5,483 |
| Noninterest income to average assets | 0.2566% | 4,462 |
| Noninterest expense to average assets | 1.8649% | 5,078 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5927% | 4,444 |
| Return on assets (ROA) | 0.5927% | 4,449 |
| Pretax return on assets | 0.5927% | 4,702 |
| Return on Equity (ROE) | 5.6454% | 4,265 |
| Retained earnings to average equity (ytd only) | 0.9639% | 4,639 |
| Net charge-offs to loans | -0.0179% | 4,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8824% | 1,609 |
| Assets per employee ($millions) | 6.8719% | 1,016 |
| Cash dividends to net income (ytd only)* | 82.9268% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1491% | 130 |
| 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 | 18.5173% | 5,512 |
| Net loans and leases to deposits | 21.1730% | 5,519 |
| Net loans and leases to core deposits | 21.3276% | 5,516 |
| Total domestic deposits to total assets | 87.4571% | 1,923 |
| Equity capital to assets | 10.3028% | 3,281 |
| Core capital (leverage) ratio | 10.9502% | 2,492 |
| Tier 1 risk-based capital ratio | 28.7561% | 525 |
| Total risk-based capital ratio | 30.0085% | 524 |
| Memoranda: | ||
| Average total assets | $110,678,000 | 4,055 |
| Average earning assets | $107,369,500 | 3,962 |
| Average equity | $11,620,000 | 4,176 |
| Average total loans | $22,350,500 | 5,197 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4564% | 5,564 |
| Cost of funding earning assets | 0.1764% | 5,118 |
| Net interest margin | 2.2800% | 5,511 |
| Noninterest income to average assets | 0.3237% | 4,153 |
| Noninterest expense to average assets | 1.9302% | 5,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6076% | 3,971 |
| Return on assets (ROA) | 0.6013% | 4,043 |
| Pretax return on assets | 0.6013% | 4,738 |
| Return on Equity (ROE) | 5.3092% | 4,037 |
| Retained earnings to average equity (ytd only) | -12.5844% | 5,570 |
| Net charge-offs to loans | 0.0049% | 3,910 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 674.0000% | 129 |
| Efficiency ratio | 76.0568% | 1,610 |
| Assets per employee ($millions) | 6.5532% | 1,178 |
| Cash dividends to net income (ytd only)* | 337.0315% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7915% | 179 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 20.6616% | 5,568 |
| Net loans and leases to deposits | 23.6913% | 5,573 |
| Net loans and leases to core deposits | 23.8625% | 5,577 |
| Total domestic deposits to total assets | 87.2115% | 1,894 |
| Equity capital to assets | 10.6925% | 2,948 |
| Core capital (leverage) ratio | 10.9379% | 2,393 |
| Tier 1 risk-based capital ratio | 27.7225% | 557 |
| Total risk-based capital ratio | 28.9735% | 543 |
| Memoranda: | ||
| Average total assets | $110,921,000 | 4,044 |
| Average earning assets | $107,719,200 | 3,954 |
| Average equity | $12,563,200 | 4,046 |
| Average total loans | $20,600,200 | 5,297 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4375% | 5,634 |
| Cost of funding earning assets | 0.1610% | 5,246 |
| Net interest margin | 2.2765% | 5,583 |
| Noninterest income to average assets | 0.3454% | 4,071 |
| Noninterest expense to average assets | 1.8989% | 5,133 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6582% | 4,165 |
| Return on assets (ROA) | 0.6498% | 4,246 |
| Pretax return on assets | 0.6498% | 4,725 |
| Return on Equity (ROE) | 5.6576% | 4,269 |
| Retained earnings to average equity (ytd only) | -17.8947% | 5,671 |
| Net charge-offs to loans | 0.0067% | 3,490 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 548.3609% | 185 |
| Efficiency ratio | 74.2588% | 1,857 |
| Assets per employee ($millions) | 6.0310% | 1,471 |
| Cash dividends to net income (ytd only)* | 416.2977% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9922% | 155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 19.7406% | 5,637 |
| Net loans and leases to deposits | 22.8819% | 5,645 |
| Net loans and leases to core deposits | 23.1793% | 5,644 |
| Total domestic deposits to total assets | 86.2719% | 2,194 |
| Equity capital to assets | 11.5063% | 2,366 |
| Core capital (leverage) ratio | 10.9797% | 2,481 |
| Tier 1 risk-based capital ratio | 28.3144% | 546 |
| Total risk-based capital ratio | 29.5680% | 541 |
| Memoranda: | ||
| Average total assets | $110,800,000 | 4,095 |
| Average earning assets | $107,650,000 | 4,000 |
| Average equity | $12,726,000 | 4,062 |
| Average total loans | $19,830,500 | 5,373 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4068% | 5,680 |
| Cost of funding earning assets | 0.1497% | 5,337 |
| Net interest margin | 2.2570% | 5,628 |
| Noninterest income to average assets | 0.3747% | 3,877 |
| Noninterest expense to average assets | 1.8916% | 5,195 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6724% | 3,968 |
| Return on assets (ROA) | 0.6598% | 4,091 |
| Pretax return on assets | 0.6598% | 4,658 |
| Return on Equity (ROE) | 5.7481% | 4,157 |
| Retained earnings to average equity (ytd only) | -27.6781% | 5,741 |
| Net charge-offs to loans | 0.0105% | 3,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 375.0000% | 226 |
| Efficiency ratio | 73.7762% | 2,058 |
| Assets per employee ($millions) | 6.2201% | 1,308 |
| Cash dividends to net income (ytd only)* | 581.5217% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1311% | 140 |
| 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 | 18.2651% | 5,693 |
| Net loans and leases to deposits | 21.0517% | 5,699 |
| Net loans and leases to core deposits | 21.3152% | 5,698 |
| Total domestic deposits to total assets | 86.7634% | 2,060 |
| Equity capital to assets | 11.0904% | 2,714 |
| Core capital (leverage) ratio | 10.8763% | 2,530 |
| Tier 1 risk-based capital ratio | 28.4088% | 528 |
| Total risk-based capital ratio | 29.6613% | 516 |
| Memoranda: | ||
| Average total assets | $111,547,330 | 4,106 |
| Average earning assets | $108,195,000 | 4,013 |
| Average equity | $12,804,330 | 4,065 |
| Average total loans | $19,077,000 | 5,438 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3498% | 5,756 |
| Cost of funding earning assets | 0.1324% | 5,475 |
| Net interest margin | 2.2174% | 5,692 |
| Noninterest income to average assets | 0.4239% | 3,495 |
| Noninterest expense to average assets | 1.8430% | 5,313 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7473% | 3,489 |
| Return on assets (ROA) | 0.7473% | 3,541 |
| Pretax return on assets | 0.7473% | 4,294 |
| Return on Equity (ROE) | 6.4010% | 3,713 |
| Retained earnings to average equity (ytd only) | -55.2700% | 5,826 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1512% | 2,710 |
| Assets per employee ($millions) | 6.6470% | 1,107 |
| Cash dividends to net income (ytd only)* | 963.4615% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2332% | 140 |
| 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 | 17.5338% | 5,765 |
| Net loans and leases to deposits | 20.5193% | 5,766 |
| Net loans and leases to core deposits | 20.7775% | 5,765 |
| Total domestic deposits to total assets | 85.4503% | 2,901 |
| Equity capital to assets | 10.8390% | 2,813 |
| Core capital (leverage) ratio | 10.7134% | 2,680 |
| Tier 1 risk-based capital ratio | 28.0064% | 563 |
| Total risk-based capital ratio | 29.2600% | 546 |
| Memoranda: | ||
| Average total assets | $111,340,000 | 4,147 |
| Average earning assets | $108,774,500 | 4,032 |
| Average equity | $12,998,000 | 4,060 |
| Average total loans | $18,060,000 | 5,520 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4093% | 5,786 |
| Cost of funding earning assets | 0.1333% | 5,528 |
| Net interest margin | 2.2759% | 5,720 |
| Noninterest income to average assets | 0.2972% | 4,614 |
| Noninterest expense to average assets | 1.8341% | 5,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6714% | 3,907 |
| Return on assets (ROA) | 0.6714% | 4,018 |
| Pretax return on assets | 0.6714% | 4,582 |
| Return on Equity (ROE) | 5.2119% | 4,326 |
| Retained earnings to average equity (ytd only) | 2.4024% | 4,158 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2031% | 2,390 |
| Assets per employee ($millions) | 6.4518% | 1,176 |
| Cash dividends to net income (ytd only)* | 53.9063% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2314% | 66 |
| 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 | 13.6605% | 5,853 |
| Net loans and leases to deposits | 16.0085% | 5,853 |
| Net loans and leases to core deposits | 16.2162% | 5,852 |
| Total domestic deposits to total assets | 85.3329% | 2,908 |
| Equity capital to assets | 12.5345% | 1,505 |
| Core capital (leverage) ratio | 12.2782% | 1,440 |
| Tier 1 risk-based capital ratio | 36.3396% | 292 |
| Total risk-based capital ratio | 37.5952% | 287 |
| Memoranda: | ||
| Average total assets | $114,391,200 | 4,087 |
| Average earning assets | $110,988,800 | 3,989 |
| Average equity | $14,735,400 | 3,849 |
| Average total loans | $14,216,600 | 5,679 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4184% | 5,848 |
| Cost of funding earning assets | 0.1333% | 5,594 |
| Net interest margin | 2.2851% | 5,783 |
| Noninterest income to average assets | 0.2861% | 4,723 |
| Noninterest expense to average assets | 1.7409% | 5,583 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7603% | 3,564 |
| Return on assets (ROA) | 0.7603% | 3,691 |
| Pretax return on assets | 0.7603% | 4,440 |
| Return on Equity (ROE) | 5.8645% | 4,138 |
| Retained earnings to average equity (ytd only) | 2.1803% | 4,602 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6033% | 2,948 |
| Assets per employee ($millions) | 6.8215% | 951 |
| Cash dividends to net income (ytd only)* | 62.8232% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8107% | 44 |
| 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 | 11.2956% | 5,928 |
| Net loans and leases to deposits | 13.3075% | 5,930 |
| Net loans and leases to core deposits | 13.4715% | 5,924 |
| Total domestic deposits to total assets | 84.8816% | 2,861 |
| Equity capital to assets | 13.1290% | 1,424 |
| Core capital (leverage) ratio | 12.0082% | 1,675 |
| Tier 1 risk-based capital ratio | 34.7190% | 341 |
| Total risk-based capital ratio | 35.9739% | 335 |
| Memoranda: | ||
| Average total assets | $115,568,750 | 4,098 |
| Average earning assets | $112,028,750 | 3,994 |
| Average equity | $14,982,250 | 3,838 |
| Average total loans | $13,859,500 | 5,752 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4318% | 5,920 |
| Cost of funding earning assets | 0.1338% | 5,656 |
| Net interest margin | 2.2980% | 5,862 |
| Noninterest income to average assets | 0.2668% | 4,882 |
| Noninterest expense to average assets | 1.7187% | 5,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7796% | 3,404 |
| Return on assets (ROA) | 0.7796% | 3,549 |
| Pretax return on assets | 0.7796% | 4,351 |
| Return on Equity (ROE) | 6.0397% | 4,033 |
| Retained earnings to average equity (ytd only) | 1.9327% | 4,591 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7933% | 3,195 |
| Assets per employee ($millions) | 7.3462% | 748 |
| Cash dividends to net income (ytd only)* | 68.0000% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9913% | 45 |
| 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 | 10.7207% | 6,006 |
| Net loans and leases to deposits | 12.6340% | 6,008 |
| Net loans and leases to core deposits | 12.8201% | 6,002 |
| Total domestic deposits to total assets | 84.8561% | 2,936 |
| Equity capital to assets | 13.1139% | 1,440 |
| Core capital (leverage) ratio | 11.7357% | 1,823 |
| Tier 1 risk-based capital ratio | 34.1885% | 357 |
| Total risk-based capital ratio | 35.4435% | 347 |
| Memoranda: | ||
| Average total assets | $115,436,670 | 4,129 |
| Average earning assets | $112,098,670 | 4,018 |
| Average equity | $14,901,330 | 3,874 |
| Average total loans | $13,892,330 | 5,819 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4853% | 5,969 |
| Cost of funding earning assets | 0.1337% | 5,729 |
| Net interest margin | 2.3517% | 5,900 |
| Noninterest income to average assets | 0.2553% | 4,911 |
| Noninterest expense to average assets | 1.7625% | 5,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7693% | 3,399 |
| Return on assets (ROA) | 0.7693% | 3,505 |
| Pretax return on assets | 0.7693% | 4,308 |
| Return on Equity (ROE) | 6.0089% | 3,984 |
| Retained earnings to average equity (ytd only) | 1.3657% | 4,712 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6133% | 3,199 |
| Assets per employee ($millions) | 7.5713% | 677 |
| Cash dividends to net income (ytd only)* | 77.2727% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9099% | 56 |
| 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 | 11.2891% | 6,069 |
| Net loans and leases to deposits | 13.2034% | 6,070 |
| Net loans and leases to core deposits | 13.4031% | 6,061 |
| Total domestic deposits to total assets | 85.5015% | 2,916 |
| Equity capital to assets | 13.3416% | 1,246 |
| Core capital (leverage) ratio | 11.8114% | 1,738 |
| Tier 1 risk-based capital ratio | 34.7885% | 342 |
| Total risk-based capital ratio | 36.0435% | 337 |
| Memoranda: | ||
| Average total assets | $114,385,500 | 4,175 |
| Average earning assets | $110,730,500 | 4,078 |
| Average equity | $14,645,000 | 3,909 |
| Average total loans | $14,207,000 | 5,866 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8086% | 5,872 |
| Cost of funding earning assets | 0.1580% | 5,633 |
| Net interest margin | 2.6506% | 5,705 |
| Noninterest income to average assets | 0.2666% | 4,963 |
| Noninterest expense to average assets | 1.8584% | 5,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9468% | 2,630 |
| Return on assets (ROA) | 0.9468% | 2,705 |
| Pretax return on assets | 0.9468% | 3,662 |
| Return on Equity (ROE) | 7.7371% | 3,113 |
| Retained earnings to average equity (ytd only) | 6.0154% | 1,784 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2477% | 3,863 |
| Assets per employee ($millions) | 6.0632% | 1,336 |
| Cash dividends to net income (ytd only)* | 22.2525% | 3,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4337% | 66 |
| 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 | 12.3862% | 6,119 |
| Net loans and leases to deposits | 14.1318% | 6,123 |
| Net loans and leases to core deposits | 14.3370% | 6,118 |
| Total domestic deposits to total assets | 87.6477% | 1,820 |
| Equity capital to assets | 12.2725% | 1,763 |
| Core capital (leverage) ratio | 11.6204% | 1,879 |
| Tier 1 risk-based capital ratio | 33.5832% | 375 |
| Total risk-based capital ratio | 34.8369% | 376 |
| Memoranda: | ||
| Average total assets | $116,283,800 | 4,125 |
| Average earning assets | $111,372,800 | 4,047 |
| Average equity | $14,230,200 | 3,941 |
| Average total loans | $14,400,400 | 5,910 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8747% | 5,916 |
| Cost of funding earning assets | 0.1626% | 5,684 |
| Net interest margin | 2.7120% | 5,709 |
| Noninterest income to average assets | 0.2677% | 5,019 |
| Noninterest expense to average assets | 1.8051% | 5,772 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0570% | 2,188 |
| Return on assets (ROA) | 1.0570% | 2,283 |
| Pretax return on assets | 1.0570% | 3,387 |
| Return on Equity (ROE) | 8.6434% | 2,761 |
| Retained earnings to average equity (ytd only) | 6.3516% | 2,040 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0695% | 4,392 |
| Assets per employee ($millions) | 6.8716% | 921 |
| Cash dividends to net income (ytd only)* | 26.5153% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7520% | 63 |
| 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 | 11.3588% | 6,213 |
| Net loans and leases to deposits | 13.0063% | 6,217 |
| Net loans and leases to core deposits | 13.1931% | 6,207 |
| Total domestic deposits to total assets | 87.3332% | 1,880 |
| Equity capital to assets | 12.5119% | 1,738 |
| Core capital (leverage) ratio | 11.3542% | 2,148 |
| Tier 1 risk-based capital ratio | 32.9437% | 414 |
| Total risk-based capital ratio | 34.1974% | 408 |
| Memoranda: | ||
| Average total assets | $116,554,500 | 4,167 |
| Average earning assets | $111,500,250 | 4,095 |
| Average equity | $14,253,250 | 3,984 |
| Average total loans | $14,267,750 | 5,990 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9140% | 5,933 |
| Cost of funding earning assets | 0.1689% | 5,704 |
| Net interest margin | 2.7452% | 5,715 |
| Noninterest income to average assets | 0.2438% | 5,215 |
| Noninterest expense to average assets | 1.8014% | 5,849 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0664% | 2,074 |
| Return on assets (ROA) | 1.0664% | 2,180 |
| Pretax return on assets | 1.0664% | 3,320 |
| Return on Equity (ROE) | 8.7884% | 2,663 |
| Retained earnings to average equity (ytd only) | 6.8637% | 1,760 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8144% | 4,544 |
| Assets per employee ($millions) | 6.7834% | 937 |
| Cash dividends to net income (ytd only)* | 21.9002% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7249% | 68 |
| 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 | 11.5759% | 6,286 |
| Net loans and leases to deposits | 13.2045% | 6,289 |
| Net loans and leases to core deposits | 13.3959% | 6,279 |
| Total domestic deposits to total assets | 87.6662% | 1,804 |
| Equity capital to assets | 12.1977% | 1,878 |
| Core capital (leverage) ratio | 11.1872% | 2,256 |
| Tier 1 risk-based capital ratio | 31.9363% | 462 |
| Total risk-based capital ratio | 33.1895% | 454 |
| Memoranda: | ||
| Average total assets | $116,467,000 | 4,216 |
| Average earning assets | $111,323,000 | 4,128 |
| Average equity | $14,132,330 | 4,027 |
| Average total loans | $14,380,000 | 6,049 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8514% | 6,030 |
| Cost of funding earning assets | 0.1700% | 5,768 |
| Net interest margin | 2.6814% | 5,829 |
| Noninterest income to average assets | 0.2324% | 5,298 |
| Noninterest expense to average assets | 1.7635% | 5,944 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0560% | 2,010 |
| Return on assets (ROA) | 1.0560% | 2,142 |
| Pretax return on assets | 1.0560% | 3,279 |
| Return on Equity (ROE) | 8.7254% | 2,585 |
| Retained earnings to average equity (ytd only) | 8.7254% | 1,296 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5455% | 4,697 |
| Assets per employee ($millions) | 7.3977% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8673% | 74 |
| 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 | 10.9316% | 6,361 |
| Net loans and leases to deposits | 12.4806% | 6,365 |
| Net loans and leases to core deposits | 12.6888% | 6,356 |
| Total domestic deposits to total assets | 87.5890% | 2,050 |
| Equity capital to assets | 12.3045% | 1,819 |
| Core capital (leverage) ratio | 11.0056% | 2,406 |
| Tier 1 risk-based capital ratio | 30.3819% | 523 |
| Total risk-based capital ratio | 31.6353% | 518 |
| Memoranda: | ||
| Average total assets | $117,042,000 | 4,237 |
| Average earning assets | $112,927,500 | 4,121 |
| Average equity | $14,165,500 | 4,049 |
| Average total loans | $14,564,500 | 6,096 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1343% | 5,915 |
| Cost of funding earning assets | 0.2059% | 5,695 |
| Net interest margin | 2.9285% | 5,587 |
| Noninterest income to average assets | 0.2489% | 5,343 |
| Noninterest expense to average assets | 1.8376% | 6,020 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2316% | 1,490 |
| Return on assets (ROA) | 1.2316% | 1,545 |
| Pretax return on assets | 1.2316% | 2,521 |
| Return on Equity (ROE) | 10.7452% | 1,803 |
| Retained earnings to average equity (ytd only) | 7.3906% | 1,232 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8714% | 5,242 |
| Assets per employee ($millions) | 6.4289% | 1,097 |
| Cash dividends to net income (ytd only)* | 31.2195% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2633% | 112 |
| 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 | 12.8464% | 6,437 |
| Net loans and leases to deposits | 14.5943% | 6,442 |
| Net loans and leases to core deposits | 14.8418% | 6,432 |
| Total domestic deposits to total assets | 88.0238% | 1,759 |
| Equity capital to assets | 11.8967% | 2,086 |
| Core capital (leverage) ratio | 10.7589% | 2,662 |
| Tier 1 risk-based capital ratio | 28.9474% | 572 |
| Total risk-based capital ratio | 30.2011% | 554 |
| Memoranda: | ||
| Average total assets | $116,513,400 | 4,247 |
| Average earning assets | $112,209,200 | 4,127 |
| Average equity | $13,354,800 | 4,126 |
| Average total loans | $14,770,200 | 6,168 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1547% | 5,952 |
| Cost of funding earning assets | 0.2125% | 5,733 |
| Net interest margin | 2.9421% | 5,615 |
| Noninterest income to average assets | 0.2388% | 5,496 |
| Noninterest expense to average assets | 1.7490% | 6,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3206% | 1,315 |
| Return on assets (ROA) | 1.3206% | 1,374 |
| Pretax return on assets | 1.3206% | 2,303 |
| Return on Equity (ROE) | 11.6308% | 1,581 |
| Retained earnings to average equity (ytd only) | 9.1759% | 932 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9780% | 5,561 |
| Assets per employee ($millions) | 6.5994% | 968 |
| Cash dividends to net income (ytd only)* | 21.1076% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1696% | 141 |
| 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 | 12.8083% | 6,518 |
| Net loans and leases to deposits | 14.4986% | 6,522 |
| Net loans and leases to core deposits | 14.6662% | 6,513 |
| Total domestic deposits to total assets | 88.3416% | 1,581 |
| Equity capital to assets | 11.5018% | 2,485 |
| Core capital (leverage) ratio | 10.7615% | 2,741 |
| Tier 1 risk-based capital ratio | 28.2054% | 634 |
| Total risk-based capital ratio | 29.4593% | 615 |
| Memoranda: | ||
| Average total assets | $116,711,500 | 4,286 |
| Average earning assets | $112,297,000 | 4,163 |
| Average equity | $13,251,750 | 4,169 |
| Average total loans | $14,580,750 | 6,244 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1866% | 5,970 |
| Cost of funding earning assets | 0.2187% | 5,759 |
| Net interest margin | 2.9680% | 5,593 |
| Noninterest income to average assets | 0.2310% | 5,546 |
| Noninterest expense to average assets | 1.7308% | 6,239 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3550% | 1,175 |
| Return on assets (ROA) | 1.3550% | 1,221 |
| Pretax return on assets | 1.3550% | 2,063 |
| Return on Equity (ROE) | 11.9866% | 1,420 |
| Retained earnings to average equity (ytd only) | 9.9278% | 729 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0894% | 5,743 |
| Assets per employee ($millions) | 6.5286% | 993 |
| Cash dividends to net income (ytd only)* | 17.1756% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7465% | 97 |
| 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 | 11.3049% | 6,596 |
| Net loans and leases to deposits | 12.8170% | 6,599 |
| Net loans and leases to core deposits | 12.9668% | 6,590 |
| Total domestic deposits to total assets | 88.2024% | 1,790 |
| Equity capital to assets | 11.6343% | 2,291 |
| Core capital (leverage) ratio | 10.5492% | 2,886 |
| Tier 1 risk-based capital ratio | 28.4811% | 615 |
| Total risk-based capital ratio | 29.7346% | 601 |
| Memoranda: | ||
| Average total assets | $116,018,670 | 4,329 |
| Average earning assets | $111,591,330 | 4,199 |
| Average equity | $13,114,670 | 4,198 |
| Average total loans | $14,148,670 | 6,313 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2101% | 5,989 |
| Cost of funding earning assets | 0.2308% | 5,746 |
| Net interest margin | 2.9793% | 5,573 |
| Noninterest income to average assets | 0.2151% | 5,638 |
| Noninterest expense to average assets | 1.7836% | 6,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2978% | 1,221 |
| Return on assets (ROA) | 1.2978% | 1,266 |
| Pretax return on assets | 1.2978% | 2,102 |
| Return on Equity (ROE) | 11.6547% | 1,507 |
| Retained earnings to average equity (ytd only) | 11.6547% | 658 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8829% | 5,659 |
| Assets per employee ($millions) | 6.8952% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9940% | 92 |
| 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 | 10.7441% | 6,666 |
| Net loans and leases to deposits | 12.1290% | 6,670 |
| Net loans and leases to core deposits | 12.3362% | 6,662 |
| Total domestic deposits to total assets | 88.5820% | 1,900 |
| Equity capital to assets | 11.2841% | 2,449 |
| Core capital (leverage) ratio | 10.3401% | 3,129 |
| Tier 1 risk-based capital ratio | 27.9065% | 648 |
| Total risk-based capital ratio | 29.1608% | 637 |
| Memoranda: | ||
| Average total assets | $115,270,500 | 4,384 |
| Average earning assets | $110,899,000 | 4,253 |
| Average equity | $12,836,000 | 4,266 |
| Average total loans | $14,249,500 | 6,371 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3792% | 5,878 |
| Cost of funding earning assets | 0.2989% | 5,608 |
| Net interest margin | 3.0803% | 5,371 |
| Noninterest income to average assets | 0.2469% | 5,576 |
| Noninterest expense to average assets | 1.8536% | 6,252 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2806% | 1,306 |
| Return on assets (ROA) | 1.2780% | 1,361 |
| Pretax return on assets | 1.2780% | 2,243 |
| Return on Equity (ROE) | 10.7560% | 1,842 |
| Retained earnings to average equity (ytd only) | 1.7986% | 4,952 |
| Net charge-offs to loans | -0.0243% | 6,177 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1415% | 5,585 |
| Assets per employee ($millions) | 5.9644% | 1,294 |
| Cash dividends to net income (ytd only)* | 83.2778% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3430% | 156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 12.8668% | 6,735 |
| Net loans and leases to deposits | 14.4676% | 6,742 |
| Net loans and leases to core deposits | 14.6077% | 6,736 |
| Total domestic deposits to total assets | 88.9352% | 1,673 |
| Equity capital to assets | 10.9819% | 2,627 |
| Core capital (leverage) ratio | 10.2118% | 3,276 |
| Tier 1 risk-based capital ratio | 25.6325% | 801 |
| Total risk-based capital ratio | 26.8842% | 787 |
| Memoranda: | ||
| Average total assets | $117,448,000 | 4,330 |
| Average earning assets | $110,085,200 | 4,258 |
| Average equity | $13,955,000 | 4,082 |
| Average total loans | $12,326,000 | 6,508 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3757% | 5,933 |
| Cost of funding earning assets | 0.3125% | 5,618 |
| Net interest margin | 3.0632% | 5,422 |
| Noninterest income to average assets | 0.2464% | 5,673 |
| Noninterest expense to average assets | 1.7792% | 6,372 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3133% | 1,314 |
| Return on assets (ROA) | 1.3099% | 1,379 |
| Pretax return on assets | 1.3099% | 2,300 |
| Return on Equity (ROE) | 10.8283% | 1,879 |
| Retained earnings to average equity (ytd only) | 8.5491% | 1,213 |
| Net charge-offs to loans | -0.0345% | 6,197 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5328% | 5,745 |
| Assets per employee ($millions) | 6.0024% | 1,239 |
| Cash dividends to net income (ytd only)* | 21.0482% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6805% | 72 |
| 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 | 9.6382% | 6,835 |
| Net loans and leases to deposits | 10.9846% | 6,837 |
| Net loans and leases to core deposits | 11.1547% | 6,829 |
| Total domestic deposits to total assets | 87.7427% | 2,277 |
| Equity capital to assets | 12.0592% | 1,880 |
| Core capital (leverage) ratio | 10.6269% | 2,863 |
| Tier 1 risk-based capital ratio | 29.9821% | 516 |
| Total risk-based capital ratio | 31.2360% | 513 |
| Memoranda: | ||
| Average total assets | $118,479,250 | 4,349 |
| Average earning assets | $110,077,750 | 4,300 |
| Average equity | $14,332,500 | 4,054 |
| Average total loans | $11,596,750 | 6,605 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3589% | 5,991 |
| Cost of funding earning assets | 0.3259% | 5,602 |
| Net interest margin | 3.0330% | 5,487 |
| Noninterest income to average assets | 0.2551% | 5,626 |
| Noninterest expense to average assets | 1.7706% | 6,425 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2621% | 1,425 |
| Return on assets (ROA) | 1.2571% | 1,536 |
| Pretax return on assets | 1.2571% | 2,460 |
| Return on Equity (ROE) | 10.3816% | 2,047 |
| Retained earnings to average equity (ytd only) | 8.5091% | 1,285 |
| Net charge-offs to loans | -0.0518% | 6,279 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3837% | 5,679 |
| Assets per employee ($millions) | 6.2133% | 1,068 |
| Cash dividends to net income (ytd only)* | 18.0371% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0160% | 59 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 8.7605% | 6,883 |
| Net loans and leases to deposits | 9.9248% | 6,889 |
| Net loans and leases to core deposits | 10.0721% | 6,881 |
| Total domestic deposits to total assets | 88.2696% | 2,062 |
| Equity capital to assets | 11.5678% | 2,243 |
| Core capital (leverage) ratio | 10.3307% | 3,066 |
| Tier 1 risk-based capital ratio | 28.7039% | 591 |
| Total risk-based capital ratio | 29.9588% | 579 |
| Memoranda: | ||
| Average total assets | $119,957,000 | 4,350 |
| Average earning assets | $109,858,670 | 4,343 |
| Average equity | $14,525,670 | 4,043 |
| Average total loans | $11,577,670 | 6,647 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4387% | 5,857 |
| Cost of funding earning assets | 0.3450% | 5,589 |
| Net interest margin | 3.0937% | 5,282 |
| Noninterest income to average assets | 0.2514% | 5,660 |
| Noninterest expense to average assets | 1.6806% | 6,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3597% | 1,125 |
| Return on assets (ROA) | 1.3597% | 1,216 |
| Pretax return on assets | 1.3597% | 2,011 |
| Return on Equity (ROE) | 10.9889% | 1,714 |
| Retained earnings to average equity (ytd only) | 10.9889% | 879 |
| Net charge-offs to loans | -0.0674% | 6,259 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2775% | 6,130 |
| Assets per employee ($millions) | 6.7818% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2541% | 62 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 8.1165% | 6,963 |
| Net loans and leases to deposits | 9.2688% | 6,967 |
| Net loans and leases to core deposits | 9.3978% | 6,958 |
| Total domestic deposits to total assets | 87.5680% | 2,591 |
| Equity capital to assets | 12.3239% | 1,824 |
| Core capital (leverage) ratio | 9.7591% | 3,720 |
| Tier 1 risk-based capital ratio | 28.2509% | 629 |
| Total risk-based capital ratio | 29.5054% | 618 |
| Memoranda: | ||
| Average total assets | $120,909,500 | 4,378 |
| Average earning assets | $108,994,000 | 4,396 |
| Average equity | $14,960,500 | 4,006 |
| Average total loans | $11,864,500 | 6,704 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5981% | 6,231 |
| Cost of funding earning assets | 0.5545% | 4,774 |
| Net interest margin | 3.0436% | 5,944 |
| Noninterest income to average assets | 0.4643% | 4,142 |
| Noninterest expense to average assets | 1.9038% | 6,488 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3092% | 1,278 |
| Return on assets (ROA) | 1.3092% | 1,417 |
| Pretax return on assets | 1.3092% | 2,365 |
| Return on Equity (ROE) | 9.0447% | 2,621 |
| Retained earnings to average equity (ytd only) | -16.4797% | 6,797 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2516% | 5,659 |
| Assets per employee ($millions) | 5.9874% | 1,286 |
| Cash dividends to net income (ytd only)* | 282.2039% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0076% | 135 |
| 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 | 10.4395% | 7,009 |
| Net loans and leases to deposits | 11.9356% | 7,018 |
| Net loans and leases to core deposits | 12.1461% | 7,010 |
| Total domestic deposits to total assets | 87.4652% | 2,548 |
| Equity capital to assets | 12.4237% | 1,764 |
| Core capital (leverage) ratio | 9.6392% | 3,905 |
| Tier 1 risk-based capital ratio | 27.8020% | 638 |
| Total risk-based capital ratio | 29.0569% | 625 |
| Memoranda: | ||
| Average total assets | $120,603,600 | 4,351 |
| Average earning assets | $108,918,400 | 4,369 |
| Average equity | $17,457,800 | 3,546 |
| Average total loans | $12,680,600 | 6,748 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6162% | 6,371 |
| Cost of funding earning assets | 0.5951% | 4,699 |
| Net interest margin | 3.0210% | 6,124 |
| Noninterest income to average assets | 0.5143% | 3,833 |
| Noninterest expense to average assets | 1.8860% | 6,543 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3508% | 1,326 |
| Return on assets (ROA) | 1.3508% | 1,469 |
| Pretax return on assets | 1.3508% | 2,407 |
| Return on Equity (ROE) | 9.0149% | 2,795 |
| Retained earnings to average equity (ytd only) | 6.2162% | 2,555 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2680% | 5,754 |
| Assets per employee ($millions) | 6.0298% | 1,232 |
| Cash dividends to net income (ytd only)* | 31.0455% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5900% | 97 |
| 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 | 9.2292% | 7,119 |
| Net loans and leases to deposits | 10.9729% | 7,124 |
| Net loans and leases to core deposits | 11.3232% | 7,117 |
| Total domestic deposits to total assets | 84.1096% | 4,167 |
| Equity capital to assets | 15.7096% | 660 |
| Core capital (leverage) ratio | 12.7744% | 1,286 |
| Tier 1 risk-based capital ratio | 37.8347% | 291 |
| Total risk-based capital ratio | 39.0891% | 283 |
| Memoranda: | ||
| Average total assets | $120,817,750 | 4,381 |
| Average earning assets | $108,877,750 | 4,424 |
| Average equity | $18,103,000 | 3,487 |
| Average total loans | $12,560,750 | 6,846 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6424% | 6,431 |
| Cost of funding earning assets | 0.6202% | 4,718 |
| Net interest margin | 3.0222% | 6,194 |
| Noninterest income to average assets | 0.5989% | 3,264 |
| Noninterest expense to average assets | 1.8645% | 6,664 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4592% | 1,070 |
| Return on assets (ROA) | 1.4592% | 1,203 |
| Pretax return on assets | 1.4592% | 1,980 |
| Return on Equity (ROE) | 9.8977% | 2,402 |
| Retained earnings to average equity (ytd only) | 6.8566% | 2,185 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0976% | 6,105 |
| Assets per employee ($millions) | 5.9790% | 1,247 |
| Cash dividends to net income (ytd only)* | 30.7256% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4092% | 115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 9.6371% | 7,183 |
| Net loans and leases to deposits | 11.4128% | 7,186 |
| Net loans and leases to core deposits | 11.7835% | 7,181 |
| Total domestic deposits to total assets | 84.4405% | 4,119 |
| Equity capital to assets | 15.3797% | 704 |
| Core capital (leverage) ratio | 12.7398% | 1,241 |
| Tier 1 risk-based capital ratio | 36.8542% | 308 |
| Total risk-based capital ratio | 38.1078% | 300 |
| Memoranda: | ||
| Average total assets | $120,892,000 | 4,401 |
| Average earning assets | $108,992,670 | 4,433 |
| Average equity | $17,822,330 | 3,520 |
| Average total loans | $12,818,000 | 6,892 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5548% | 6,627 |
| Cost of funding earning assets | 0.6507% | 4,731 |
| Net interest margin | 2.9041% | 6,481 |
| Noninterest income to average assets | 0.5759% | 3,370 |
| Noninterest expense to average assets | 1.8955% | 6,656 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2802% | 1,504 |
| Return on assets (ROA) | 1.2802% | 1,679 |
| Pretax return on assets | 1.2802% | 2,608 |
| Return on Equity (ROE) | 8.8722% | 2,881 |
| Retained earnings to average equity (ytd only) | 5.7703% | 3,099 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6891% | 5,670 |
| Assets per employee ($millions) | 6.1869% | 1,164 |
| Cash dividends to net income (ytd only)* | 34.9614% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5838% | 105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 9.0054% | 7,245 |
| Net loans and leases to deposits | 10.5286% | 7,251 |
| Net loans and leases to core deposits | 10.9422% | 7,243 |
| Total domestic deposits to total assets | 85.5330% | 3,773 |
| Equity capital to assets | 14.2956% | 922 |
| Core capital (leverage) ratio | 12.0280% | 1,570 |
| Tier 1 risk-based capital ratio | 35.1961% | 332 |
| Total risk-based capital ratio | 36.4499% | 327 |
| Memoranda: | ||
| Average total assets | $121,548,000 | 4,421 |
| Average earning assets | $108,810,000 | 4,461 |
| Average equity | $17,538,000 | 3,564 |
| Average total loans | $13,135,500 | 6,931 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3817% | 7,060 |
| Cost of funding earning assets | 0.7856% | 4,969 |
| Net interest margin | 2.5961% | 7,003 |
| Noninterest income to average assets | 0.2842% | 5,499 |
| Noninterest expense to average assets | 1.8158% | 6,938 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9015% | 2,594 |
| Return on assets (ROA) | 0.9015% | 2,727 |
| Pretax return on assets | 0.9015% | 3,603 |
| Return on Equity (ROE) | 6.7903% | 3,493 |
| Retained earnings to average equity (ytd only) | 4.3399% | 3,092 |
| Net charge-offs to loans | -0.0060% | 6,849 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8242% | 4,607 |
| Assets per employee ($millions) | 5.6838% | 1,452 |
| Cash dividends to net income (ytd only)* | 36.0874% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5546% | 249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 11.5701% | 7,282 |
| Net loans and leases to deposits | 13.5617% | 7,284 |
| Net loans and leases to core deposits | 14.3606% | 7,277 |
| Total domestic deposits to total assets | 85.3149% | 3,682 |
| Equity capital to assets | 14.5670% | 877 |
| Core capital (leverage) ratio | 12.3474% | 1,413 |
| Tier 1 risk-based capital ratio | 34.2962% | 356 |
| Total risk-based capital ratio | 35.5494% | 350 |
| Memoranda: | ||
| Average total assets | $116,808,600 | 4,486 |
| Average earning assets | $109,472,600 | 4,409 |
| Average equity | $15,507,400 | 3,817 |
| Average total loans | $16,678,800 | 6,814 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1902% | 6,232 |
| Cost of funding earning assets | 0.8107% | 5,078 |
| Net interest margin | 3.3795% | 5,636 |
| Noninterest income to average assets | 0.2686% | 5,695 |
| Noninterest expense to average assets | 1.7422% | 7,049 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7365% | 582 |
| Return on assets (ROA) | 1.7365% | 639 |
| Pretax return on assets | 1.7365% | 1,070 |
| Return on Equity (ROE) | 13.4150% | 1,179 |
| Retained earnings to average equity (ytd only) | 10.0458% | 831 |
| Net charge-offs to loans | -0.0077% | 6,751 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0825% | 6,824 |
| Assets per employee ($millions) | 5.3108% | 1,802 |
| Cash dividends to net income (ytd only)* | 25.1155% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2101% | 341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 12.8332% | 7,351 |
| Net loans and leases to deposits | 15.0396% | 7,357 |
| Net loans and leases to core deposits | 15.7295% | 7,350 |
| Total domestic deposits to total assets | 85.3293% | 3,598 |
| Equity capital to assets | 14.4003% | 1,024 |
| Core capital (leverage) ratio | 12.5811% | 1,397 |
| Tier 1 risk-based capital ratio | 33.4033% | 407 |
| Total risk-based capital ratio | 34.6563% | 397 |
| Memoranda: | ||
| Average total assets | $116,171,000 | 4,526 |
| Average earning assets | $110,350,000 | 4,413 |
| Average equity | $15,037,500 | 3,914 |
| Average total loans | $17,231,250 | 6,859 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1397% | 6,405 |
| Cost of funding earning assets | 0.8509% | 5,055 |
| Net interest margin | 3.2889% | 5,888 |
| Noninterest income to average assets | 0.2484% | 5,873 |
| Noninterest expense to average assets | 1.7922% | 7,092 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5766% | 763 |
| Return on assets (ROA) | 1.5766% | 808 |
| Pretax return on assets | 1.5766% | 1,304 |
| Return on Equity (ROE) | 12.6578% | 1,290 |
| Retained earnings to average equity (ytd only) | 9.2787% | 1,021 |
| Net charge-offs to loans | -0.0113% | 6,709 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2002% | 6,698 |
| Assets per employee ($millions) | 5.6735% | 1,420 |
| Cash dividends to net income (ytd only)* | 26.6958% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8522% | 459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 13.8053% | 7,422 |
| Net loans and leases to deposits | 15.9641% | 7,431 |
| Net loans and leases to core deposits | 16.6103% | 7,424 |
| Total domestic deposits to total assets | 86.4768% | 3,050 |
| Equity capital to assets | 13.0431% | 1,499 |
| Core capital (leverage) ratio | 12.2334% | 1,487 |
| Tier 1 risk-based capital ratio | 31.3902% | 478 |
| Total risk-based capital ratio | 32.6416% | 471 |
| Memoranda: | ||
| Average total assets | $115,948,670 | 4,562 |
| Average earning assets | $110,007,000 | 4,446 |
| Average equity | $14,441,670 | 4,025 |
| Average total loans | $17,757,330 | 6,900 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2106% | 6,261 |
| Cost of funding earning assets | 0.9067% | 4,872 |
| Net interest margin | 3.3039% | 5,762 |
| Noninterest income to average assets | 0.2449% | 5,940 |
| Noninterest expense to average assets | 1.8120% | 7,121 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5811% | 717 |
| Return on assets (ROA) | 1.5811% | 763 |
| Pretax return on assets | 1.5811% | 1,230 |
| Return on Equity (ROE) | 13.0142% | 1,192 |
| Retained earnings to average equity (ytd only) | 9.8470% | 1,152 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4021% | 6,753 |
| Assets per employee ($millions) | 5.6077% | 1,482 |
| Cash dividends to net income (ytd only)* | 24.3363% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8898% | 453 |
| 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 | 13.8058% | 7,481 |
| Net loans and leases to deposits | 15.7319% | 7,491 |
| Net loans and leases to core deposits | 16.4570% | 7,482 |
| Total domestic deposits to total assets | 87.7567% | 2,515 |
| Equity capital to assets | 11.8578% | 2,004 |
| Core capital (leverage) ratio | 11.8716% | 1,635 |
| Tier 1 risk-based capital ratio | 30.1516% | 516 |
| Total risk-based capital ratio | 31.4038% | 508 |
| Memoranda: | ||
| Average total assets | $114,351,500 | 4,634 |
| Average earning assets | $108,962,000 | 4,498 |
| Average equity | $13,892,500 | 4,126 |
| Average total loans | $18,082,500 | 6,937 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2821% | 6,816 |
| Cost of funding earning assets | 1.1572% | 4,808 |
| Net interest margin | 3.1248% | 6,450 |
| Noninterest income to average assets | 0.1001% | 6,898 |
| Noninterest expense to average assets | 2.0185% | 6,993 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0831% | 1,750 |
| Return on assets (ROA) | 1.0831% | 1,841 |
| Pretax return on assets | 1.0831% | 2,647 |
| Return on Equity (ROE) | 8.5071% | 2,496 |
| Retained earnings to average equity (ytd only) | 6.7336% | 1,438 |
| Net charge-offs to loans | -0.0100% | 7,311 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0784% | 5,148 |
| Assets per employee ($millions) | 4.8235% | 2,398 |
| Cash dividends to net income (ytd only)* | 20.8475% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4184% | 625 |
| 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 | 16.7576% | 7,547 |
| Net loans and leases to deposits | 19.2332% | 7,562 |
| Net loans and leases to core deposits | 20.0667% | 7,549 |
| Total domestic deposits to total assets | 87.1283% | 2,752 |
| Equity capital to assets | 12.4580% | 1,662 |
| Core capital (leverage) ratio | 12.0652% | 1,503 |
| Tier 1 risk-based capital ratio | 30.9234% | 470 |
| Total risk-based capital ratio | 32.1761% | 460 |
| Memoranda: | ||
| Average total assets | $108,943,600 | 4,746 |
| Average earning assets | $104,645,400 | 4,594 |
| Average equity | $13,870,800 | 4,168 |
| Average total loans | $20,058,600 | 6,919 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2429% | 7,039 |
| Cost of funding earning assets | 1.1974% | 4,878 |
| Net interest margin | 3.0455% | 6,741 |
| Noninterest income to average assets | 0.3246% | 5,558 |
| Noninterest expense to average assets | 1.9721% | 7,093 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2762% | 1,396 |
| Return on assets (ROA) | 1.2762% | 1,480 |
| Pretax return on assets | 1.2762% | 2,243 |
| Return on Equity (ROE) | 9.9686% | 2,133 |
| Retained earnings to average equity (ytd only) | 7.6061% | 1,556 |
| Net charge-offs to loans | -0.0132% | 7,299 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7116% | 5,836 |
| Assets per employee ($millions) | 4.9363% | 2,265 |
| Cash dividends to net income (ytd only)* | 23.6992% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4292% | 571 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 16.3210% | 7,654 |
| Net loans and leases to deposits | 19.0917% | 7,668 |
| Net loans and leases to core deposits | 20.1242% | 7,654 |
| Total domestic deposits to total assets | 85.4873% | 3,353 |
| Equity capital to assets | 13.9349% | 1,185 |
| Core capital (leverage) ratio | 12.1746% | 1,573 |
| Tier 1 risk-based capital ratio | 31.2164% | 461 |
| Total risk-based capital ratio | 32.4697% | 453 |
| Memoranda: | ||
| Average total assets | $108,444,250 | 4,821 |
| Average earning assets | $104,109,000 | 4,663 |
| Average equity | $13,883,250 | 4,228 |
| Average total loans | $20,261,000 | 6,997 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1856% | 7,191 |
| Cost of funding earning assets | 1.2238% | 4,993 |
| Net interest margin | 2.9618% | 6,918 |
| Noninterest income to average assets | 0.2885% | 5,841 |
| Noninterest expense to average assets | 1.9448% | 7,193 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1822% | 1,606 |
| Return on assets (ROA) | 1.1822% | 1,675 |
| Pretax return on assets | 1.1822% | 2,471 |
| Return on Equity (ROE) | 9.5336% | 2,260 |
| Retained earnings to average equity (ytd only) | 7.0860% | 1,798 |
| Net charge-offs to loans | -0.0194% | 7,281 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1929% | 5,655 |
| Assets per employee ($millions) | 4.9148% | 2,285 |
| Cash dividends to net income (ytd only)* | 25.6735% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3322% | 626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 16.8868% | 7,719 |
| Net loans and leases to deposits | 19.3697% | 7,735 |
| Net loans and leases to core deposits | 20.2525% | 7,727 |
| Total domestic deposits to total assets | 87.1816% | 2,441 |
| Equity capital to assets | 12.5503% | 1,765 |
| Core capital (leverage) ratio | 12.6109% | 1,362 |
| Tier 1 risk-based capital ratio | 29.1995% | 559 |
| Total risk-based capital ratio | 30.4525% | 542 |
| Memoranda: | ||
| Average total assets | $106,747,330 | 4,894 |
| Average earning assets | $102,303,670 | 4,739 |
| Average equity | $13,237,330 | 4,384 |
| Average total loans | $20,618,670 | 7,034 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3546% | 7,062 |
| Cost of funding earning assets | 1.2815% | 4,921 |
| Net interest margin | 3.0731% | 6,659 |
| Noninterest income to average assets | 0.2780% | 5,923 |
| Noninterest expense to average assets | 1.9961% | 7,168 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2355% | 1,444 |
| Return on assets (ROA) | 1.2355% | 1,519 |
| Pretax return on assets | 1.2355% | 2,250 |
| Return on Equity (ROE) | 10.0294% | 2,093 |
| Retained earnings to average equity (ytd only) | 7.5847% | 1,885 |
| Net charge-offs to loans | -0.0380% | 7,266 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7682% | 5,875 |
| Assets per employee ($millions) | 4.5169% | 2,924 |
| Cash dividends to net income (ytd only)* | 24.3750% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2266% | 681 |
| 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 | 18.9962% | 7,797 |
| Net loans and leases to deposits | 21.7821% | 7,819 |
| Net loans and leases to core deposits | 22.8727% | 7,809 |
| Total domestic deposits to total assets | 87.2104% | 2,521 |
| Equity capital to assets | 12.5134% | 1,751 |
| Core capital (leverage) ratio | 12.5054% | 1,400 |
| Tier 1 risk-based capital ratio | 32.7358% | 414 |
| Total risk-based capital ratio | 33.9906% | 409 |
| Memoranda: | ||
| Average total assets | $103,600,500 | 5,040 |
| Average earning assets | $99,573,000 | 4,887 |
| Average equity | $12,762,500 | 4,532 |
| Average total loans | $21,054,500 | 7,096 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4537% | 7,424 |
| Cost of funding earning assets | 1.5267% | 5,392 |
| Net interest margin | 2.9270% | 6,805 |
| Noninterest income to average assets | 0.3298% | 5,725 |
| Noninterest expense to average assets | 2.0305% | 7,318 |
| Loan and lease loss provision to assets | -0.0223% | 7,964 |
| Net operating income to assets | 1.1079% | 1,489 |
| Return on assets (ROA) | 1.2806% | 1,127 |
| Pretax return on assets | 1.2806% | 1,749 |
| Return on Equity (ROE) | 10.2131% | 1,637 |
| Retained earnings to average equity (ytd only) | 7.4122% | 840 |
| Net charge-offs to loans | -0.0130% | 7,763 |
| Credit loss provision to net charge-offs | 766.6667% | 383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1619% | 5,555 |
| Assets per employee ($millions) | 4.3047% | 3,260 |
| Cash dividends to net income (ytd only)* | 27.4242% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0208% | 761 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 20.3849% | 7,862 |
| Net loans and leases to deposits | 23.3644% | 7,889 |
| Net loans and leases to core deposits | 29.1904% | 7,868 |
| Total domestic deposits to total assets | 87.2474% | 2,359 |
| Equity capital to assets | 12.1235% | 1,957 |
| Core capital (leverage) ratio | 12.5643% | 1,420 |
| Tier 1 risk-based capital ratio | 30.5114% | 495 |
| Total risk-based capital ratio | 31.7637% | 483 |
| Memoranda: | ||
| Average total assets | $103,078,000 | 5,012 |
| Average earning assets | $98,119,600 | 4,891 |
| Average equity | $12,924,600 | 4,527 |
| Average total loans | $23,157,800 | 7,018 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2184% | 7,713 |
| Cost of funding earning assets | 1.5727% | 5,525 |
| Net interest margin | 2.6457% | 7,298 |
| Noninterest income to average assets | 0.3430% | 5,752 |
| Noninterest expense to average assets | 1.9685% | 7,442 |
| Loan and lease loss provision to assets | -0.0298% | 8,048 |
| Net operating income to assets | 0.9124% | 2,380 |
| Return on assets (ROA) | 1.1428% | 1,670 |
| Pretax return on assets | 1.1428% | 2,439 |
| Return on Equity (ROE) | 9.0391% | 2,249 |
| Retained earnings to average equity (ytd only) | 5.3334% | 2,290 |
| Net charge-offs to loans | -0.0170% | 7,746 |
| Credit loss provision to net charge-offs | 766.6667% | 498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0422% | 4,775 |
| Assets per employee ($millions) | 4.6560% | 2,622 |
| Cash dividends to net income (ytd only)* | 40.9963% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0126% | 662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 19.7212% | 7,952 |
| Net loans and leases to deposits | 22.6893% | 7,979 |
| Net loans and leases to core deposits | 28.1997% | 7,959 |
| Total domestic deposits to total assets | 86.9182% | 2,219 |
| Equity capital to assets | 12.7325% | 1,812 |
| Core capital (leverage) ratio | 12.1680% | 1,724 |
| Tier 1 risk-based capital ratio | 31.6276% | 486 |
| Total risk-based capital ratio | 32.8807% | 476 |
| Memoranda: | ||
| Average total assets | $103,019,500 | 5,043 |
| Average earning assets | $97,666,000 | 4,936 |
| Average equity | $13,024,500 | 4,527 |
| Average total loans | $23,518,250 | 7,060 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3363% | 7,761 |
| Cost of funding earning assets | 1.6264% | 5,630 |
| Net interest margin | 2.7099% | 7,178 |
| Noninterest income to average assets | 0.3482% | 5,718 |
| Noninterest expense to average assets | 2.0283% | 7,415 |
| Loan and lease loss provision to assets | -0.0452% | 8,152 |
| Net operating income to assets | 0.9384% | 2,319 |
| Return on assets (ROA) | 1.2886% | 1,342 |
| Pretax return on assets | 1.2886% | 2,057 |
| Return on Equity (ROE) | 10.2176% | 1,940 |
| Retained earnings to average equity (ytd only) | 5.7874% | 2,123 |
| Net charge-offs to loans | -0.0249% | 7,737 |
| Credit loss provision to net charge-offs | 766.6667% | 612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4276% | 4,895 |
| Assets per employee ($millions) | 4.4031% | 2,931 |
| Cash dividends to net income (ytd only)* | 43.3588% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8670% | 637 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 21.9461% | 8,016 |
| Net loans and leases to deposits | 25.2004% | 8,033 |
| Net loans and leases to core deposits | 31.5974% | 8,022 |
| Total domestic deposits to total assets | 87.0861% | 2,210 |
| Equity capital to assets | 12.4942% | 1,924 |
| Core capital (leverage) ratio | 12.3960% | 1,651 |
| Tier 1 risk-based capital ratio | 32.4219% | 485 |
| Total risk-based capital ratio | 33.6777% | 473 |
| Memoranda: | ||
| Average total assets | $101,663,330 | 5,116 |
| Average earning assets | $96,535,000 | 4,992 |
| Average equity | $12,821,000 | 4,589 |
| Average total loans | $24,099,330 | 7,077 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4180% | 7,786 |
| Cost of funding earning assets | 1.6754% | 5,716 |
| Net interest margin | 2.7426% | 7,111 |
| Noninterest income to average assets | 0.3534% | 5,614 |
| Noninterest expense to average assets | 1.9242% | 7,506 |
| Loan and lease loss provision to assets | -0.0903% | 8,205 |
| Net operating income to assets | 1.1231% | 1,888 |
| Return on assets (ROA) | 1.8221% | 564 |
| Pretax return on assets | 1.8221% | 938 |
| Return on Equity (ROE) | 14.3820% | 1,091 |
| Retained earnings to average equity (ytd only) | 11.7474% | 838 |
| Net charge-offs to loans | -0.0486% | 7,688 |
| Credit loss provision to net charge-offs | 766.6667% | 777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0730% | 5,497 |
| Assets per employee ($millions) | 4.2583% | 3,153 |
| Cash dividends to net income (ytd only)* | 18.3190% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6737% | 642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 23.3654% | 8,045 |
| Net loans and leases to deposits | 26.7954% | 8,077 |
| Net loans and leases to core deposits | 34.0094% | 8,046 |
| Total domestic deposits to total assets | 87.1994% | 2,121 |
| Equity capital to assets | 12.4885% | 1,979 |
| Core capital (leverage) ratio | 12.1136% | 1,848 |
| Tier 1 risk-based capital ratio | 31.6116% | 555 |
| Total risk-based capital ratio | 32.8657% | 542 |
| Memoranda: | ||
| Average total assets | $101,859,500 | 5,127 |
| Average earning assets | $96,696,000 | 5,010 |
| Average equity | $12,905,000 | 4,604 |
| Average total loans | $24,708,500 | 7,082 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 8,021 |
| Cost of funding earning assets | 2.1479% | 5,843 |
| Net interest margin | 2.4011% | 7,848 |
| Noninterest income to average assets | 0.2853% | 6,426 |
| Noninterest expense to average assets | 2.0418% | 7,365 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5409% | 4,571 |
| Return on assets (ROA) | 0.7576% | 3,468 |
| Pretax return on assets | 0.7576% | 4,219 |
| Return on Equity (ROE) | 5.9956% | 3,946 |
| Retained earnings to average equity (ytd only) | 3.7543% | 2,799 |
| Net charge-offs to loans | -0.0878% | 8,077 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0578% | 2,744 |
| Assets per employee ($millions) | 4.2300% | 3,059 |
| Cash dividends to net income (ytd only)* | 37.3819% | 3,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7168% | 558 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 23.8433% | 8,108 |
| Net loans and leases to deposits | 27.5284% | 8,143 |
| Net loans and leases to core deposits | 34.8328% | 8,119 |
| Total domestic deposits to total assets | 86.6136% | 2,138 |
| Equity capital to assets | 12.8515% | 1,848 |
| Core capital (leverage) ratio | 12.1550% | 1,900 |
| Tier 1 risk-based capital ratio | 31.3968% | 576 |
| Total risk-based capital ratio | 32.6528% | 567 |
| Memoranda: | ||
| Average total assets | $97,807,200 | 5,121 |
| Average earning assets | $93,581,800 | 4,977 |
| Average equity | $12,359,000 | 4,736 |
| Average total loans | $22,783,400 | 7,147 |