Home > Benton County State Bank > Performance and Condition Ratios
Benton County State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6337% | 2,819 |
| Cost of funding earning assets | 1.0320% | 3,224 |
| Net interest margin | 3.6017% | 1,967 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.2252% | 3,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0889% | 1,952 |
| Return on assets (ROA) | 1.0889% | 1,925 |
| Pretax return on assets | 1.3434% | 1,756 |
| Return on Equity (ROE) | 8.4000% | 2,915 |
| Retained earnings to average equity (ytd only) | 6.1204% | 2,201 |
| 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 | 62.3549% | 2,797 |
| Assets per employee ($millions) | 7.0487% | 2,041 |
| Cash dividends to net income (ytd only)* | 27.1739% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7919% | 3,983 |
| 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 | 62.4600% | 2,634 |
| Net loans and leases to deposits | 84.7440% | 1,707 |
| Net loans and leases to core deposits | 98.1371% | 1,537 |
| Total domestic deposits to total assets | 73.7000% | 4,123 |
| Equity capital to assets | 13.9985% | 679 |
| Core capital (leverage) ratio | 14.8199% | 649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $50,692,600 | 4,317 |
| Average earning assets | $47,672,400 | 4,277 |
| Average equity | $6,568,200 | 4,103 |
| Average total loans | $33,179,200 | 4,093 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5681% | 2,759 |
| Cost of funding earning assets | 0.9721% | 3,113 |
| Net interest margin | 3.5960% | 2,020 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.1320% | 3,263 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1313% | 1,963 |
| Return on assets (ROA) | 1.1313% | 1,942 |
| Pretax return on assets | 1.3795% | 1,825 |
| Return on Equity (ROE) | 8.9000% | 2,955 |
| Retained earnings to average equity (ytd only) | 8.9044% | 1,712 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.7143% | 2,885 |
| Assets per employee ($millions) | 8.6522% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7565% | 4,057 |
| 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 | 62.1700% | 2,636 |
| Net loans and leases to deposits | 81.9815% | 1,900 |
| Net loans and leases to core deposits | 94.5035% | 1,647 |
| Total domestic deposits to total assets | 75.8300% | 4,025 |
| Equity capital to assets | 12.4169% | 940 |
| Core capital (leverage) ratio | 14.2100% | 782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $51,030,500 | 4,328 |
| Average earning assets | $47,866,500 | 4,290 |
| Average equity | $6,483,500 | 4,110 |
| Average total loans | $33,708,000 | 4,105 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4258% | 2,822 |
| Cost of funding earning assets | 0.8793% | 2,994 |
| Net interest margin | 3.5466% | 2,160 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 2.1405% | 3,242 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1077% | 2,106 |
| Return on assets (ROA) | 1.1077% | 2,094 |
| Pretax return on assets | 1.3087% | 2,057 |
| Return on Equity (ROE) | 8.6500% | 3,075 |
| Retained earnings to average equity (ytd only) | 8.6515% | 1,777 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.0571% | 2,707 |
| Assets per employee ($millions) | 7.5213% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7600% | 4,084 |
| 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 | 61.0100% | 2,674 |
| Net loans and leases to deposits | 80.3487% | 1,943 |
| Net loans and leases to core deposits | 91.5259% | 1,713 |
| Total domestic deposits to total assets | 75.9300% | 4,047 |
| Equity capital to assets | 12.5814% | 915 |
| Core capital (leverage) ratio | 14.5597% | 659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $50,736,333 | 4,353 |
| Average earning assets | $47,539,000 | 4,316 |
| Average equity | $6,496,000 | 4,135 |
| Average total loans | $34,104,667 | 4,112 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3351% | 2,717 |
| Cost of funding earning assets | 0.8225% | 2,642 |
| Net interest margin | 3.5126% | 2,328 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.2017% | 3,096 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9642% | 2,642 |
| Return on assets (ROA) | 0.9642% | 2,603 |
| Pretax return on assets | 1.2374% | 2,336 |
| Return on Equity (ROE) | 7.4600% | 3,415 |
| Retained earnings to average equity (ytd only) | 7.4627% | 2,372 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.0187% | 2,455 |
| Assets per employee ($millions) | 7.2117% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7138% | 4,226 |
| 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 | 67.7800% | 1,858 |
| Net loans and leases to deposits | 90.2519% | 1,030 |
| Net loans and leases to core deposits | 97.4761% | 1,208 |
| Total domestic deposits to total assets | 75.1100% | 4,212 |
| Equity capital to assets | 12.9888% | 764 |
| Core capital (leverage) ratio | 14.5619% | 651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $49,780,000 | 4,417 |
| Average earning assets | $46,689,000 | 4,383 |
| Average equity | $6,432,000 | 4,199 |
| Average total loans | $34,973,500 | 4,153 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9533% | 1,843 |
| Cost of funding earning assets | 0.6287% | 790 |
| Net interest margin | 3.3245% | 2,494 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.2083% | 3,003 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1859% | 1,828 |
| Return on assets (ROA) | 1.1859% | 1,764 |
| Pretax return on assets | 1.5108% | 1,418 |
| Return on Equity (ROE) | 9.1000% | 3,107 |
| Retained earnings to average equity (ytd only) | 6.7192% | 2,358 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.3767% | 3,139 |
| Assets per employee ($millions) | 7.0111% | 1,970 |
| Cash dividends to net income (ytd only)* | 26.1780% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6933% | 4,215 |
| 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 | 71.8000% | 1,439 |
| Net loans and leases to deposits | 95.7630% | 660 |
| Net loans and leases to core deposits | 103.6383% | 834 |
| Total domestic deposits to total assets | 74.9700% | 4,318 |
| Equity capital to assets | 12.8510% | 728 |
| Core capital (leverage) ratio | 14.4178% | 655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $48,317,400 | 4,454 |
| Average earning assets | $45,329,600 | 4,424 |
| Average equity | $6,295,400 | 4,294 |
| Average total loans | $33,579,200 | 4,177 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8216% | 1,680 |
| Cost of funding earning assets | 0.5771% | 492 |
| Net interest margin | 3.2446% | 2,477 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.1166% | 3,168 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2661% | 1,468 |
| Return on assets (ROA) | 1.2661% | 1,433 |
| Pretax return on assets | 1.6345% | 1,037 |
| Return on Equity (ROE) | 9.6800% | 2,819 |
| Retained earnings to average equity (ytd only) | 6.5049% | 2,551 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.4254% | 3,581 |
| Assets per employee ($millions) | 6.7926% | 2,101 |
| Cash dividends to net income (ytd only)* | 32.8228% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7041% | 4,241 |
| 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 | 72.9600% | 1,183 |
| Net loans and leases to deposits | 97.5947% | 472 |
| Net loans and leases to core deposits | 102.0683% | 741 |
| Total domestic deposits to total assets | 74.7600% | 4,421 |
| Equity capital to assets | 12.6209% | 747 |
| Core capital (leverage) ratio | 14.5271% | 608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $48,127,250 | 4,491 |
| Average earning assets | $45,285,000 | 4,458 |
| Average equity | $6,292,500 | 4,335 |
| Average total loans | $33,103,500 | 4,212 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5928% | 1,868 |
| Cost of funding earning assets | 0.5514% | 389 |
| Net interest margin | 3.0414% | 2,754 |
| Noninterest income to average assets | 0.9478% | 755 |
| Noninterest expense to average assets | 2.1233% | 3,087 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3121% | 1,104 |
| Return on assets (ROA) | 1.3121% | 1,087 |
| Pretax return on assets | 1.7011% | 751 |
| Return on Equity (ROE) | 9.9223% | 2,365 |
| Retained earnings to average equity (ytd only) | 5.2272% | 2,621 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5195% | 3,820 |
| Assets per employee ($millions) | 6.9937% | 1,944 |
| Cash dividends to net income (ytd only)* | 47.3186% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7322% | 4,283 |
| 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 | 68.1244% | 1,465 |
| Net loans and leases to deposits | 90.4360% | 692 |
| Net loans and leases to core deposits | 93.6800% | 932 |
| Total domestic deposits to total assets | 75.3289% | 4,492 |
| Equity capital to assets | 12.3764% | 783 |
| Core capital (leverage) ratio | 14.1618% | 599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,320,333 | 4,533 |
| Average earning assets | $45,702,667 | 4,512 |
| Average equity | $6,389,667 | 4,377 |
| Average total loans | $32,492,000 | 4,273 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5520% | 1,640 |
| Cost of funding earning assets | 0.5701% | 315 |
| Net interest margin | 2.9819% | 2,561 |
| Noninterest income to average assets | 0.1500% | 4,252 |
| Noninterest expense to average assets | 2.0832% | 3,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7000% | 3,056 |
| Return on assets (ROA) | 0.7000% | 3,047 |
| Pretax return on assets | 0.9000% | 2,776 |
| Return on Equity (ROE) | 5.1259% | 3,591 |
| Retained earnings to average equity (ytd only) | 5.1259% | 2,548 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8324% | 2,257 |
| Assets per employee ($millions) | 6.9513% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7874% | 4,268 |
| 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 | 63.6984% | 1,657 |
| Net loans and leases to deposits | 87.7672% | 635 |
| Net loans and leases to core deposits | 88.4561% | 995 |
| Total domestic deposits to total assets | 72.5765% | 4,611 |
| Equity capital to assets | 13.0664% | 677 |
| Core capital (leverage) ratio | 13.8468% | 604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,002,500 | 4,559 |
| Average earning assets | $45,608,000 | 4,538 |
| Average equity | $6,555,000 | 4,407 |
| Average total loans | $31,939,500 | 4,296 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1789% | 1,027 |
| Cost of funding earning assets | 0.7026% | 319 |
| Net interest margin | 3.4763% | 1,803 |
| Noninterest income to average assets | 0.1970% | 4,178 |
| Noninterest expense to average assets | 2.2018% | 3,081 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0219% | 2,584 |
| Return on assets (ROA) | 1.0219% | 2,660 |
| Pretax return on assets | 1.2948% | 2,377 |
| Return on Equity (ROE) | 7.3475% | 3,421 |
| Retained earnings to average equity (ytd only) | 2.9213% | 3,668 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9695% | 2,719 |
| Assets per employee ($millions) | 6.7637% | 2,097 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7537% | 4,339 |
| 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 | 68.4155% | 1,219 |
| Net loans and leases to deposits | 96.2587% | 302 |
| Net loans and leases to core deposits | 97.0460% | 658 |
| Total domestic deposits to total assets | 71.0746% | 4,664 |
| Equity capital to assets | 14.2610% | 618 |
| Core capital (leverage) ratio | 14.0367% | 613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,733,600 | 4,575 |
| Average earning assets | $46,256,600 | 4,547 |
| Average equity | $6,777,800 | 4,448 |
| Average total loans | $31,648,600 | 4,348 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3090% | 940 |
| Cost of funding earning assets | 0.7163% | 348 |
| Net interest margin | 3.5927% | 1,616 |
| Noninterest income to average assets | 0.1603% | 4,401 |
| Noninterest expense to average assets | 2.0890% | 3,396 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1518% | 2,359 |
| Return on assets (ROA) | 1.1518% | 2,416 |
| Pretax return on assets | 1.4778% | 2,053 |
| Return on Equity (ROE) | 8.3328% | 3,304 |
| Retained earnings to average equity (ytd only) | 5.3849% | 3,072 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5682% | 3,189 |
| Assets per employee ($millions) | 7.8632% | 1,332 |
| Cash dividends to net income (ytd only)* | 35.3774% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7827% | 4,373 |
| Loan loss allowance to noncurrent loans | 31.0214% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 1.6808% | 265 |
| Noncurrent loans to loans | 2.5231% | 295 |
| Net loans and leases to total assets | 66.0951% | 1,534 |
| Net loans and leases to deposits | 96.5837% | 334 |
| Net loans and leases to core deposits | 97.4043% | 679 |
| Total domestic deposits to total assets | 68.4330% | 4,770 |
| Equity capital to assets | 14.5976% | 618 |
| Core capital (leverage) ratio | 13.9266% | 655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,080,500 | 4,633 |
| Average earning assets | $46,537,500 | 4,610 |
| Average equity | $6,784,250 | 4,511 |
| Average total loans | $31,401,250 | 4,415 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 602 |
| Cost of funding earning assets | 0.7179% | 424 |
| Net interest margin | 3.9039% | 964 |
| Noninterest income to average assets | 0.1368% | 4,514 |
| Noninterest expense to average assets | 2.0839% | 3,441 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3517% | 1,699 |
| Return on assets (ROA) | 1.3517% | 1,784 |
| Pretax return on assets | 1.7500% | 1,358 |
| Return on Equity (ROE) | 9.9556% | 2,755 |
| Retained earnings to average equity (ytd only) | 5.5111% | 2,992 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3547% | 3,756 |
| Assets per employee ($millions) | 6.2385% | 2,397 |
| Cash dividends to net income (ytd only)* | 44.6429% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7792% | 4,395 |
| 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 | 62.7615% | 2,090 |
| Net loans and leases to deposits | 91.9939% | 538 |
| Net loans and leases to core deposits | 92.7292% | 964 |
| Total domestic deposits to total assets | 68.2235% | 4,787 |
| Equity capital to assets | 13.6832% | 786 |
| Core capital (leverage) ratio | 13.3337% | 739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,714,333 | 4,657 |
| Average earning assets | $47,081,333 | 4,631 |
| Average equity | $6,750,000 | 4,535 |
| Average total loans | $31,392,000 | 4,446 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9373% | 1,728 |
| Cost of funding earning assets | 0.7298% | 492 |
| Net interest margin | 3.2075% | 2,673 |
| Noninterest income to average assets | 0.1451% | 4,479 |
| Noninterest expense to average assets | 2.1363% | 3,312 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8384% | 3,300 |
| Return on assets (ROA) | 0.8384% | 3,384 |
| Pretax return on assets | 1.0561% | 3,222 |
| Return on Equity (ROE) | 6.1992% | 3,807 |
| Retained earnings to average equity (ytd only) | 6.1992% | 2,830 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9192% | 2,095 |
| Assets per employee ($millions) | 7.0341% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7820% | 4,441 |
| 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 | 63.3888% | 2,116 |
| Net loans and leases to deposits | 93.0729% | 540 |
| Net loans and leases to core deposits | 93.8255% | 993 |
| Total domestic deposits to total assets | 68.1066% | 4,803 |
| Equity capital to assets | 13.6376% | 759 |
| Core capital (leverage) ratio | 13.2943% | 779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,617,500 | 4,674 |
| Average earning assets | $47,139,000 | 4,650 |
| Average equity | $6,710,500 | 4,554 |
| Average total loans | $31,303,500 | 4,467 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4133% | 1,548 |
| Cost of funding earning assets | 0.9516% | 711 |
| Net interest margin | 3.4617% | 2,588 |
| Noninterest income to average assets | 0.1876% | 4,352 |
| Noninterest expense to average assets | 2.2005% | 3,662 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9927% | 2,318 |
| Return on assets (ROA) | 0.9927% | 2,462 |
| Pretax return on assets | 1.2457% | 2,172 |
| Return on Equity (ROE) | 7.1461% | 3,149 |
| Retained earnings to average equity (ytd only) | 2.5944% | 3,550 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8532% | 2,848 |
| Assets per employee ($millions) | 6.2495% | 2,124 |
| Cash dividends to net income (ytd only)* | 63.6943% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7898% | 4,447 |
| 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 | 61.8109% | 2,632 |
| Net loans and leases to deposits | 89.9729% | 928 |
| Net loans and leases to core deposits | 99.4305% | 929 |
| Total domestic deposits to total assets | 68.6995% | 4,799 |
| Equity capital to assets | 13.4131% | 961 |
| Core capital (leverage) ratio | 12.5200% | 1,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,444,200 | 4,685 |
| Average earning assets | $44,660,000 | 4,665 |
| Average equity | $6,591,000 | 4,575 |
| Average total loans | $32,467,000 | 4,471 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5656% | 1,409 |
| Cost of funding earning assets | 0.9987% | 762 |
| Net interest margin | 3.5669% | 2,372 |
| Noninterest income to average assets | 0.1652% | 4,474 |
| Noninterest expense to average assets | 2.1393% | 3,852 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0796% | 2,047 |
| Return on assets (ROA) | 1.0796% | 2,176 |
| Pretax return on assets | 1.3730% | 1,816 |
| Return on Equity (ROE) | 7.7004% | 2,924 |
| Retained earnings to average equity (ytd only) | 4.6528% | 2,719 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9084% | 3,235 |
| Assets per employee ($millions) | 6.2706% | 2,027 |
| Cash dividends to net income (ytd only)* | 39.5778% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7705% | 4,436 |
| Loan loss allowance to noncurrent loans | 31.0214% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.5808% | 520 |
| Noncurrent loans to loans | 2.4837% | 426 |
| Net loans and leases to total assets | 63.1556% | 2,867 |
| Net loans and leases to deposits | 93.4848% | 961 |
| Net loans and leases to core deposits | 103.4548% | 956 |
| Total domestic deposits to total assets | 67.5571% | 4,822 |
| Equity capital to assets | 13.4775% | 1,008 |
| Core capital (leverage) ratio | 13.8019% | 752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $46,806,250 | 4,714 |
| Average earning assets | $43,921,250 | 4,696 |
| Average equity | $6,562,250 | 4,599 |
| Average total loans | $32,796,500 | 4,491 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7097% | 1,383 |
| Cost of funding earning assets | 1.0481% | 846 |
| Net interest margin | 3.6615% | 2,289 |
| Noninterest income to average assets | 0.1620% | 4,481 |
| Noninterest expense to average assets | 2.2107% | 3,748 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0900% | 2,006 |
| Return on assets (ROA) | 1.0900% | 2,126 |
| Pretax return on assets | 1.3921% | 1,745 |
| Return on Equity (ROE) | 7.6663% | 2,876 |
| Retained earnings to average equity (ytd only) | 3.0480% | 3,367 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3609% | 3,223 |
| Assets per employee ($millions) | 5.7706% | 2,397 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7448% | 4,475 |
| 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 | 71.0083% | 1,871 |
| Net loans and leases to deposits | 109.1354% | 248 |
| Net loans and leases to core deposits | 122.4405% | 370 |
| Total domestic deposits to total assets | 65.0644% | 4,903 |
| Equity capital to assets | 14.3377% | 768 |
| Core capital (leverage) ratio | 14.0742% | 733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,686,667 | 4,749 |
| Average earning assets | $42,933,000 | 4,727 |
| Average equity | $6,496,000 | 4,632 |
| Average total loans | $33,086,000 | 4,506 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5960% | 2,005 |
| Cost of funding earning assets | 1.0599% | 1,181 |
| Net interest margin | 3.5361% | 2,864 |
| Noninterest income to average assets | 0.1936% | 4,393 |
| Noninterest expense to average assets | 2.2620% | 3,852 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9770% | 2,259 |
| Return on assets (ROA) | 0.9770% | 2,361 |
| Pretax return on assets | 1.2498% | 2,036 |
| Return on Equity (ROE) | 6.9003% | 2,991 |
| Retained earnings to average equity (ytd only) | 6.9003% | 1,576 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4110% | 3,171 |
| Assets per employee ($millions) | 5.6244% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7532% | 4,512 |
| 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 | 72.3303% | 1,868 |
| Net loans and leases to deposits | 112.3132% | 160 |
| Net loans and leases to core deposits | 126.5653% | 323 |
| Total domestic deposits to total assets | 64.4005% | 4,987 |
| Equity capital to assets | 14.5483% | 877 |
| Core capital (leverage) ratio | 14.2070% | 857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,447,500 | 4,778 |
| Average earning assets | $42,645,500 | 4,765 |
| Average equity | $6,434,500 | 4,674 |
| Average total loans | $33,115,500 | 4,535 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7325% | 2,231 |
| Cost of funding earning assets | 1.0978% | 1,334 |
| Net interest margin | 3.6347% | 3,018 |
| Noninterest income to average assets | 0.2412% | 4,232 |
| Noninterest expense to average assets | 2.3649% | 3,788 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0128% | 2,805 |
| Return on assets (ROA) | 1.1099% | 2,494 |
| Pretax return on assets | 1.4225% | 2,077 |
| Return on Equity (ROE) | 7.9418% | 3,190 |
| Retained earnings to average equity (ytd only) | 3.1480% | 3,451 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5338% | 2,998 |
| Assets per employee ($millions) | 5.7375% | 1,850 |
| Cash dividends to net income (ytd only)* | 60.3622% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7357% | 4,497 |
| 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 | 72.3159% | 2,041 |
| Net loans and leases to deposits | 110.2135% | 183 |
| Net loans and leases to core deposits | 123.5962% | 394 |
| Total domestic deposits to total assets | 65.6144% | 5,031 |
| Equity capital to assets | 13.7756% | 1,179 |
| Core capital (leverage) ratio | 14.1845% | 883 |
| Tier 1 risk-based capital ratio | 17.6370% | 1,855 |
| Total risk-based capital ratio | 18.3249% | 1,969 |
| Memoranda: | ||
| Average total assets | $44,780,200 | 4,836 |
| Average earning assets | $42,176,600 | 4,812 |
| Average equity | $6,258,000 | 4,728 |
| Average total loans | $32,514,000 | 4,592 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7182% | 2,365 |
| Cost of funding earning assets | 1.0923% | 1,385 |
| Net interest margin | 3.6260% | 3,181 |
| Noninterest income to average assets | 0.2217% | 4,402 |
| Noninterest expense to average assets | 2.2861% | 3,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0443% | 2,802 |
| Return on assets (ROA) | 1.1745% | 2,362 |
| Pretax return on assets | 1.5220% | 1,897 |
| Return on Equity (ROE) | 8.3735% | 3,165 |
| Retained earnings to average equity (ytd only) | 5.1694% | 2,809 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7467% | 3,208 |
| Assets per employee ($millions) | 5.6200% | 1,914 |
| Cash dividends to net income (ytd only)* | 38.2665% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7753% | 4,477 |
| 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 | 70.3092% | 2,423 |
| Net loans and leases to deposits | 105.7755% | 335 |
| Net loans and leases to core deposits | 119.8567% | 543 |
| Total domestic deposits to total assets | 66.4702% | 5,091 |
| Equity capital to assets | 14.2149% | 1,072 |
| Core capital (leverage) ratio | 14.3063% | 904 |
| Tier 1 risk-based capital ratio | 18.0824% | 1,790 |
| Total risk-based capital ratio | 18.7856% | 1,904 |
| Memoranda: | ||
| Average total assets | $44,500,250 | 4,906 |
| Average earning assets | $41,992,000 | 4,885 |
| Average equity | $6,241,750 | 4,793 |
| Average total loans | $32,282,750 | 4,660 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7265% | 2,283 |
| Cost of funding earning assets | 1.0753% | 1,396 |
| Net interest margin | 3.6512% | 3,097 |
| Noninterest income to average assets | 0.1984% | 4,568 |
| Noninterest expense to average assets | 2.3091% | 3,981 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0283% | 2,811 |
| Return on assets (ROA) | 1.0283% | 2,891 |
| Pretax return on assets | 1.3349% | 2,426 |
| Return on Equity (ROE) | 7.3643% | 3,546 |
| Retained earnings to average equity (ytd only) | 2.5194% | 3,935 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3663% | 3,236 |
| Assets per employee ($millions) | 5.5640% | 1,912 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7961% | 4,456 |
| 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 | 69.1476% | 2,653 |
| Net loans and leases to deposits | 104.0992% | 416 |
| Net loans and leases to core deposits | 118.1218% | 596 |
| Total domestic deposits to total assets | 66.4248% | 5,140 |
| Equity capital to assets | 14.1333% | 1,075 |
| Core capital (leverage) ratio | 14.1356% | 927 |
| Tier 1 risk-based capital ratio | 16.8298% | 2,136 |
| Total risk-based capital ratio | 17.4988% | 2,258 |
| Memoranda: | ||
| Average total assets | $44,347,000 | 4,949 |
| Average earning assets | $41,849,000 | 4,928 |
| Average equity | $6,192,000 | 4,831 |
| Average total loans | $32,424,330 | 4,693 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7211% | 2,155 |
| Cost of funding earning assets | 1.0438% | 1,399 |
| Net interest margin | 3.6773% | 2,979 |
| Noninterest income to average assets | 0.2350% | 4,331 |
| Noninterest expense to average assets | 2.2772% | 4,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1025% | 2,453 |
| Return on assets (ROA) | 1.1025% | 2,502 |
| Pretax return on assets | 1.4278% | 1,992 |
| Return on Equity (ROE) | 7.9446% | 3,286 |
| Retained earnings to average equity (ytd only) | 7.9446% | 1,685 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4634% | 3,613 |
| Assets per employee ($millions) | 5.4504% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7715% | 4,601 |
| 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 | 72.8597% | 2,011 |
| Net loans and leases to deposits | 108.8352% | 252 |
| Net loans and leases to core deposits | 123.7014% | 431 |
| Total domestic deposits to total assets | 66.9449% | 5,198 |
| Equity capital to assets | 14.3889% | 911 |
| Core capital (leverage) ratio | 14.0080% | 954 |
| Tier 1 risk-based capital ratio | 16.3468% | 2,319 |
| Total risk-based capital ratio | 17.0052% | 2,474 |
| Memoranda: | ||
| Average total assets | $44,264,500 | 5,000 |
| Average earning assets | $41,770,000 | 4,979 |
| Average equity | $6,142,500 | 4,873 |
| Average total loans | $33,123,500 | 4,726 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7820% | 1,589 |
| Cost of funding earning assets | 0.8963% | 1,110 |
| Net interest margin | 3.8856% | 2,374 |
| Noninterest income to average assets | 0.2635% | 4,353 |
| Noninterest expense to average assets | 2.4601% | 3,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1381% | 2,442 |
| Return on assets (ROA) | 1.1381% | 2,442 |
| Pretax return on assets | 1.4765% | 1,859 |
| Return on Equity (ROE) | 8.3603% | 3,292 |
| Retained earnings to average equity (ytd only) | 2.3529% | 4,203 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4928% | 3,437 |
| Assets per employee ($millions) | 5.6158% | 1,847 |
| Cash dividends to net income (ytd only)* | 71.8563% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7216% | 4,758 |
| 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 | 75.6444% | 1,668 |
| Net loans and leases to deposits | 111.9773% | 211 |
| Net loans and leases to core deposits | 126.6076% | 385 |
| Total domestic deposits to total assets | 67.5533% | 5,219 |
| Equity capital to assets | 13.3798% | 1,192 |
| Core capital (leverage) ratio | 13.7839% | 985 |
| Tier 1 risk-based capital ratio | 15.3842% | 2,670 |
| Total risk-based capital ratio | 16.0061% | 2,872 |
| Memoranda: | ||
| Average total assets | $44,022,400 | 5,049 |
| Average earning assets | $41,614,800 | 5,025 |
| Average equity | $5,992,600 | 4,899 |
| Average total loans | $33,322,400 | 4,739 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 1,495 |
| Cost of funding earning assets | 0.8560% | 1,089 |
| Net interest margin | 3.9132% | 2,246 |
| Noninterest income to average assets | 0.2466% | 4,504 |
| Noninterest expense to average assets | 2.3198% | 4,052 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2543% | 2,028 |
| Return on assets (ROA) | 1.2543% | 2,035 |
| Pretax return on assets | 1.6287% | 1,494 |
| Return on Equity (ROE) | 9.1737% | 3,010 |
| Retained earnings to average equity (ytd only) | 5.1658% | 3,146 |
| Net charge-offs to loans | 0.0040% | 3,316 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 536.3308% | 167 |
| Efficiency ratio | 58.7510% | 4,000 |
| Assets per employee ($millions) | 7.1455% | 884 |
| Cash dividends to net income (ytd only)* | 43.6886% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7668% | 4,714 |
| Loan loss allowance to noncurrent loans | 114.9533% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.4991% | 2,704 |
| Noncurrent loans to loans | 0.6670% | 2,408 |
| Net loans and leases to total assets | 74.2589% | 1,939 |
| Net loans and leases to deposits | 107.1953% | 386 |
| Net loans and leases to core deposits | 121.5385% | 528 |
| Total domestic deposits to total assets | 69.2744% | 5,247 |
| Equity capital to assets | 14.0998% | 927 |
| Core capital (leverage) ratio | 14.4751% | 827 |
| Tier 1 risk-based capital ratio | 16.5285% | 2,265 |
| Total risk-based capital ratio | 17.1841% | 2,408 |
| Memoranda: | ||
| Average total assets | $43,796,500 | 5,115 |
| Average earning assets | $41,431,500 | 5,086 |
| Average equity | $5,988,000 | 4,951 |
| Average total loans | $33,095,250 | 4,793 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7611% | 1,353 |
| Cost of funding earning assets | 0.8303% | 1,003 |
| Net interest margin | 3.9308% | 2,103 |
| Noninterest income to average assets | 0.2222% | 4,693 |
| Noninterest expense to average assets | 2.2855% | 4,178 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2788% | 1,862 |
| Return on assets (ROA) | 1.2788% | 1,865 |
| Pretax return on assets | 1.6506% | 1,338 |
| Return on Equity (ROE) | 9.4488% | 2,830 |
| Retained earnings to average equity (ytd only) | 3.4177% | 3,869 |
| Net charge-offs to loans | 0.0060% | 2,931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 364.0000% | 253 |
| Efficiency ratio | 58.0645% | 4,223 |
| Assets per employee ($millions) | 6.1733% | 1,350 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7693% | 4,785 |
| Loan loss allowance to noncurrent loans | 130.1587% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 2,975 |
| Noncurrent loans to loans | 0.5910% | 2,645 |
| Net loans and leases to total assets | 73.4293% | 2,053 |
| Net loans and leases to deposits | 102.0257% | 659 |
| Net loans and leases to core deposits | 114.9799% | 743 |
| Total domestic deposits to total assets | 71.9714% | 5,187 |
| Equity capital to assets | 13.7551% | 1,009 |
| Core capital (leverage) ratio | 13.8747% | 939 |
| Tier 1 risk-based capital ratio | 16.3243% | 2,323 |
| Total risk-based capital ratio | 16.9857% | 2,482 |
| Memoranda: | ||
| Average total assets | $44,104,330 | 5,165 |
| Average earning assets | $41,670,670 | 5,138 |
| Average equity | $5,969,000 | 5,009 |
| Average total loans | $33,432,670 | 4,823 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6863% | 1,337 |
| Cost of funding earning assets | 0.8270% | 844 |
| Net interest margin | 3.8593% | 2,200 |
| Noninterest income to average assets | 0.2334% | 4,614 |
| Noninterest expense to average assets | 2.1998% | 4,420 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2929% | 1,666 |
| Return on assets (ROA) | 1.2929% | 1,670 |
| Pretax return on assets | 1.6790% | 1,172 |
| Return on Equity (ROE) | 9.6297% | 2,616 |
| Retained earnings to average equity (ytd only) | 9.6297% | 1,275 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7130% | 4,495 |
| Assets per employee ($millions) | 6.3360% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7489% | 4,922 |
| Loan loss allowance to noncurrent loans | 3,528.5714% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 5,043 |
| Noncurrent loans to loans | 0.0212% | 4,889 |
| Net loans and leases to total assets | 73.8050% | 1,895 |
| Net loans and leases to deposits | 101.5575% | 609 |
| Net loans and leases to core deposits | 113.9406% | 809 |
| Total domestic deposits to total assets | 72.6732% | 5,237 |
| Equity capital to assets | 13.5304% | 1,038 |
| Core capital (leverage) ratio | 13.7119% | 941 |
| Tier 1 risk-based capital ratio | 14.6310% | 3,059 |
| Total risk-based capital ratio | 15.2221% | 3,306 |
| Memoranda: | ||
| Average total assets | $44,550,000 | 5,215 |
| Average earning assets | $42,080,500 | 5,184 |
| Average equity | $5,981,500 | 5,062 |
| Average total loans | $34,160,500 | 4,859 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6404% | 1,334 |
| Cost of funding earning assets | 0.7546% | 804 |
| Net interest margin | 3.8858% | 2,132 |
| Noninterest income to average assets | 0.2309% | 4,752 |
| Noninterest expense to average assets | 2.3856% | 4,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8510% | 2,948 |
| Return on assets (ROA) | 0.8510% | 2,973 |
| Pretax return on assets | 1.5051% | 1,625 |
| Return on Equity (ROE) | 6.2473% | 3,649 |
| Retained earnings to average equity (ytd only) | 0.2658% | 4,920 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3147% | 4,047 |
| Assets per employee ($millions) | 6.3926% | 1,270 |
| Cash dividends to net income (ytd only)* | 95.7447% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6989% | 5,076 |
| 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 | 78.4236% | 1,227 |
| Net loans and leases to deposits | 113.9050% | 184 |
| Net loans and leases to core deposits | 127.3423% | 406 |
| Total domestic deposits to total assets | 68.8500% | 5,445 |
| Equity capital to assets | 13.3235% | 1,124 |
| Core capital (leverage) ratio | 13.5192% | 960 |
| Tier 1 risk-based capital ratio | 14.2028% | 3,250 |
| Total risk-based capital ratio | 14.7905% | 3,516 |
| Memoranda: | ||
| Average total assets | $44,182,200 | 5,269 |
| Average earning assets | $41,613,000 | 5,239 |
| Average equity | $6,018,600 | 5,098 |
| Average total loans | $33,583,200 | 4,907 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5906% | 1,395 |
| Cost of funding earning assets | 0.7308% | 842 |
| Net interest margin | 3.8598% | 2,186 |
| Noninterest income to average assets | 0.2392% | 4,774 |
| Noninterest expense to average assets | 2.3341% | 4,202 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0535% | 2,318 |
| Return on assets (ROA) | 1.0535% | 2,351 |
| Pretax return on assets | 1.5349% | 1,648 |
| Return on Equity (ROE) | 7.6912% | 3,296 |
| Retained earnings to average equity (ytd only) | 3.7129% | 3,713 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3286% | 4,156 |
| Assets per employee ($millions) | 6.4850% | 1,191 |
| Cash dividends to net income (ytd only)* | 51.7231% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6943% | 5,146 |
| Loan loss allowance to noncurrent loans | 24,700.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 5,261 |
| Noncurrent loans to loans | 0.0028% | 5,146 |
| Net loans and leases to total assets | 77.8235% | 1,294 |
| Net loans and leases to deposits | 115.4849% | 161 |
| Net loans and leases to core deposits | 129.2173% | 354 |
| Total domestic deposits to total assets | 67.3885% | 5,555 |
| Equity capital to assets | 13.5323% | 1,144 |
| Core capital (leverage) ratio | 13.9083% | 914 |
| Tier 1 risk-based capital ratio | 14.5904% | 3,135 |
| Total risk-based capital ratio | 15.1771% | 3,408 |
| Memoranda: | ||
| Average total assets | $44,040,750 | 5,330 |
| Average earning assets | $41,417,250 | 5,300 |
| Average equity | $6,032,750 | 5,157 |
| Average total loans | $33,144,000 | 4,967 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5432% | 1,405 |
| Cost of funding earning assets | 0.7027% | 883 |
| Net interest margin | 3.8405% | 2,126 |
| Noninterest income to average assets | 0.2156% | 4,963 |
| Noninterest expense to average assets | 2.3951% | 4,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9911% | 2,466 |
| Return on assets (ROA) | 0.9911% | 2,519 |
| Pretax return on assets | 1.4315% | 1,893 |
| Return on Equity (ROE) | 7.2048% | 3,450 |
| Retained earnings to average equity (ytd only) | 1.2008% | 4,763 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5899% | 3,890 |
| Assets per employee ($millions) | 6.4063% | 1,204 |
| Cash dividends to net income (ytd only)* | 83.3333% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7290% | 5,139 |
| 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 | 75.0067% | 1,698 |
| Net loans and leases to deposits | 104.3074% | 477 |
| Net loans and leases to core deposits | 117.2149% | 676 |
| Total domestic deposits to total assets | 71.9093% | 5,460 |
| Equity capital to assets | 13.4221% | 1,179 |
| Core capital (leverage) ratio | 13.9419% | 885 |
| Tier 1 risk-based capital ratio | 14.9336% | 2,957 |
| Total risk-based capital ratio | 15.5465% | 3,191 |
| Memoranda: | ||
| Average total assets | $43,589,330 | 5,378 |
| Average earning assets | $40,984,670 | 5,350 |
| Average equity | $5,996,000 | 5,192 |
| Average total loans | $32,333,670 | 5,029 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4122% | 1,607 |
| Cost of funding earning assets | 0.7008% | 840 |
| Net interest margin | 3.7114% | 2,453 |
| Noninterest income to average assets | 0.2328% | 4,877 |
| Noninterest expense to average assets | 2.4394% | 4,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9124% | 2,696 |
| Return on assets (ROA) | 0.9124% | 2,749 |
| Pretax return on assets | 1.2942% | 2,257 |
| Return on Equity (ROE) | 6.5503% | 3,637 |
| Retained earnings to average equity (ytd only) | 6.5503% | 2,053 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3367% | 3,609 |
| Assets per employee ($millions) | 6.1610% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7877% | 5,101 |
| 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 | 72.1404% | 2,053 |
| Net loans and leases to deposits | 100.4066% | 593 |
| Net loans and leases to core deposits | 112.1760% | 764 |
| Total domestic deposits to total assets | 71.8483% | 5,547 |
| Equity capital to assets | 14.0144% | 900 |
| Core capital (leverage) ratio | 14.2487% | 775 |
| Tier 1 risk-based capital ratio | 15.6189% | 2,704 |
| Total risk-based capital ratio | 16.2563% | 2,891 |
| Memoranda: | ||
| Average total assets | $42,962,000 | 5,449 |
| Average earning assets | $40,524,000 | 5,418 |
| Average equity | $5,984,500 | 5,242 |
| Average total loans | $31,559,000 | 5,108 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7948% | 901 |
| Cost of funding earning assets | 0.6962% | 823 |
| Net interest margin | 4.0986% | 1,380 |
| Noninterest income to average assets | 0.2787% | 4,746 |
| Noninterest expense to average assets | 2.4968% | 4,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1364% | 1,742 |
| Return on assets (ROA) | 1.1698% | 1,705 |
| Pretax return on assets | 1.6725% | 1,072 |
| Return on Equity (ROE) | 8.1923% | 2,838 |
| Retained earnings to average equity (ytd only) | 2.1857% | 4,289 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5780% | 4,493 |
| Assets per employee ($millions) | 6.1139% | 1,400 |
| Cash dividends to net income (ytd only)* | 73.3198% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7777% | 5,164 |
| 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 | 73.6313% | 1,910 |
| Net loans and leases to deposits | 102.1757% | 527 |
| Net loans and leases to core deposits | 114.2153% | 688 |
| Total domestic deposits to total assets | 72.0635% | 5,557 |
| Equity capital to assets | 13.8444% | 941 |
| Core capital (leverage) ratio | 13.8969% | 843 |
| Tier 1 risk-based capital ratio | 15.5457% | 2,730 |
| Total risk-based capital ratio | 16.1906% | 2,930 |
| Memoranda: | ||
| Average total assets | $41,973,800 | 5,509 |
| Average earning assets | $39,355,000 | 5,481 |
| Average equity | $5,993,400 | 5,283 |
| Average total loans | $32,204,800 | 5,125 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8620% | 788 |
| Cost of funding earning assets | 0.6960% | 829 |
| Net interest margin | 4.1660% | 1,212 |
| Noninterest income to average assets | 0.3032% | 4,600 |
| Noninterest expense to average assets | 2.4197% | 4,224 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2417% | 1,486 |
| Return on assets (ROA) | 1.2864% | 1,439 |
| Pretax return on assets | 1.8451% | 813 |
| Return on Equity (ROE) | 8.9397% | 2,528 |
| Retained earnings to average equity (ytd only) | 4.9468% | 2,864 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5988% | 4,874 |
| Assets per employee ($millions) | 6.0544% | 1,393 |
| Cash dividends to net income (ytd only)* | 44.6643% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7651% | 5,289 |
| 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 | 75.5905% | 1,598 |
| Net loans and leases to deposits | 109.9760% | 258 |
| Net loans and leases to core deposits | 123.7915% | 422 |
| Total domestic deposits to total assets | 68.7336% | 5,750 |
| Equity capital to assets | 14.4923% | 873 |
| Core capital (leverage) ratio | 14.3512% | 762 |
| Tier 1 risk-based capital ratio | 16.0427% | 2,602 |
| Total risk-based capital ratio | 16.6981% | 2,785 |
| Memoranda: | ||
| Average total assets | $41,768,000 | 5,565 |
| Average earning assets | $39,077,250 | 5,541 |
| Average equity | $6,010,500 | 5,333 |
| Average total loans | $32,316,250 | 5,168 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9003% | 724 |
| Cost of funding earning assets | 0.6883% | 853 |
| Net interest margin | 4.2120% | 1,091 |
| Noninterest income to average assets | 0.2406% | 5,045 |
| Noninterest expense to average assets | 2.4300% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2001% | 1,598 |
| Return on assets (ROA) | 1.2655% | 1,490 |
| Pretax return on assets | 1.8526% | 782 |
| Return on Equity (ROE) | 8.8156% | 2,581 |
| Retained earnings to average equity (ytd only) | 2.7821% | 4,128 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0460% | 4,892 |
| Assets per employee ($millions) | 6.0094% | 1,390 |
| Cash dividends to net income (ytd only)* | 68.4411% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7697% | 5,351 |
| 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 | 75.6977% | 1,535 |
| Net loans and leases to deposits | 109.7164% | 263 |
| Net loans and leases to core deposits | 123.5566% | 420 |
| Total domestic deposits to total assets | 68.9940% | 5,813 |
| Equity capital to assets | 14.2990% | 931 |
| Core capital (leverage) ratio | 14.2005% | 771 |
| Tier 1 risk-based capital ratio | 15.3782% | 2,914 |
| Total risk-based capital ratio | 16.0214% | 3,117 |
| Memoranda: | ||
| Average total assets | $41,563,670 | 5,632 |
| Average earning assets | $38,936,670 | 5,605 |
| Average equity | $5,966,670 | 5,389 |
| Average total loans | $32,327,330 | 5,223 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8067% | 833 |
| Cost of funding earning assets | 0.7044% | 794 |
| Net interest margin | 4.1023% | 1,338 |
| Noninterest income to average assets | 0.2614% | 4,861 |
| Noninterest expense to average assets | 2.4303% | 4,292 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1444% | 1,733 |
| Return on assets (ROA) | 1.2781% | 1,408 |
| Pretax return on assets | 1.8590% | 759 |
| Return on Equity (ROE) | 8.8851% | 2,478 |
| Retained earnings to average equity (ytd only) | 8.8851% | 1,150 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3381% | 4,830 |
| Assets per employee ($millions) | 5.9003% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7849% | 5,413 |
| 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 | 75.5920% | 1,454 |
| Net loans and leases to deposits | 110.6500% | 209 |
| Net loans and leases to core deposits | 125.0591% | 353 |
| Total domestic deposits to total assets | 68.3163% | 5,919 |
| Equity capital to assets | 14.5901% | 808 |
| Core capital (leverage) ratio | 14.5489% | 690 |
| Tier 1 risk-based capital ratio | 15.1392% | 3,092 |
| Total risk-based capital ratio | 15.7671% | 3,320 |
| Memoranda: | ||
| Average total assets | $41,312,500 | 5,686 |
| Average earning assets | $38,612,500 | 5,668 |
| Average equity | $5,942,500 | 5,434 |
| Average total loans | $32,446,000 | 5,257 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8673% | 830 |
| Cost of funding earning assets | 0.7029% | 810 |
| Net interest margin | 4.1643% | 1,255 |
| Noninterest income to average assets | 0.2440% | 5,135 |
| Noninterest expense to average assets | 2.4399% | 4,411 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1863% | 1,602 |
| Return on assets (ROA) | 1.1797% | 1,699 |
| Pretax return on assets | 1.6819% | 1,039 |
| Return on Equity (ROE) | 8.5149% | 2,707 |
| Retained earnings to average equity (ytd only) | 2.8725% | 4,020 |
| Net charge-offs to loans | -0.0179% | 5,238 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0596% | 5,021 |
| Assets per employee ($millions) | 5.9033% | 1,454 |
| Cash dividends to net income (ytd only)* | 66.2651% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7390% | 5,560 |
| 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 | 80.2870% | 802 |
| Net loans and leases to deposits | 124.0586% | 74 |
| Net loans and leases to core deposits | 132.7505% | 235 |
| Total domestic deposits to total assets | 64.7170% | 6,034 |
| Equity capital to assets | 14.1785% | 872 |
| Core capital (leverage) ratio | 14.3526% | 743 |
| Tier 1 risk-based capital ratio | 15.3313% | 3,026 |
| Total risk-based capital ratio | 15.9817% | 3,242 |
| Memoranda: | ||
| Average total assets | $42,214,800 | 5,723 |
| Average earning assets | $39,406,200 | 5,697 |
| Average equity | $5,848,600 | 5,470 |
| Average total loans | $33,456,600 | 5,247 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8069% | 918 |
| Cost of funding earning assets | 0.7160% | 776 |
| Net interest margin | 4.0909% | 1,431 |
| Noninterest income to average assets | 0.2576% | 5,094 |
| Noninterest expense to average assets | 2.3563% | 4,635 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2152% | 1,599 |
| Return on assets (ROA) | 1.2064% | 1,699 |
| Pretax return on assets | 1.7123% | 1,073 |
| Return on Equity (ROE) | 8.7580% | 2,697 |
| Retained earnings to average equity (ytd only) | 5.3368% | 2,690 |
| Net charge-offs to loans | -0.0239% | 5,260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7367% | 5,156 |
| Assets per employee ($millions) | 5.8014% | 1,507 |
| Cash dividends to net income (ytd only)* | 39.0633% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7330% | 5,651 |
| Loan loss allowance to noncurrent loans | 126.6667% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 3,888 |
| Noncurrent loans to loans | 0.5787% | 3,597 |
| Net loans and leases to total assets | 82.3713% | 537 |
| Net loans and leases to deposits | 120.4573% | 101 |
| Net loans and leases to core deposits | 135.8803% | 207 |
| Total domestic deposits to total assets | 68.3822% | 6,025 |
| Equity capital to assets | 14.6836% | 812 |
| Core capital (leverage) ratio | 14.0224% | 857 |
| Tier 1 risk-based capital ratio | 15.2937% | 3,145 |
| Total risk-based capital ratio | 15.9352% | 3,388 |
| Memoranda: | ||
| Average total assets | $42,437,750 | 5,793 |
| Average earning assets | $39,664,250 | 5,762 |
| Average equity | $5,846,000 | 5,539 |
| Average total loans | $33,464,750 | 5,306 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7379% | 1,006 |
| Cost of funding earning assets | 0.7124% | 794 |
| Net interest margin | 4.0255% | 1,568 |
| Noninterest income to average assets | 0.1905% | 5,536 |
| Noninterest expense to average assets | 2.3416% | 4,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1141% | 1,891 |
| Return on assets (ROA) | 1.1011% | 2,039 |
| Pretax return on assets | 1.5843% | 1,377 |
| Return on Equity (ROE) | 8.1626% | 2,958 |
| Retained earnings to average equity (ytd only) | 2.9964% | 4,134 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3640% | 5,068 |
| Assets per employee ($millions) | 5.8940% | 1,437 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7407% | 5,730 |
| 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 | 78.2806% | 1,035 |
| Net loans and leases to deposits | 117.7047% | 124 |
| Net loans and leases to core deposits | 125.2404% | 351 |
| Total domestic deposits to total assets | 66.5059% | 6,156 |
| Equity capital to assets | 14.1015% | 955 |
| Core capital (leverage) ratio | 13.8145% | 901 |
| Tier 1 risk-based capital ratio | 15.2066% | 3,245 |
| Total risk-based capital ratio | 15.8448% | 3,512 |
| Memoranda: | ||
| Average total assets | $43,047,000 | 5,840 |
| Average earning assets | $40,144,330 | 5,808 |
| Average equity | $5,807,000 | 5,601 |
| Average total loans | $33,387,000 | 5,349 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5663% | 1,296 |
| Cost of funding earning assets | 0.7153% | 793 |
| Net interest margin | 3.8510% | 2,062 |
| Noninterest income to average assets | 0.2094% | 5,454 |
| Noninterest expense to average assets | 2.3031% | 4,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0450% | 2,052 |
| Return on assets (ROA) | 1.0195% | 2,310 |
| Pretax return on assets | 1.4474% | 1,730 |
| Return on Equity (ROE) | 7.7221% | 3,109 |
| Retained earnings to average equity (ytd only) | 7.7221% | 1,676 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8173% | 4,987 |
| Assets per employee ($millions) | 6.2293% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7281% | 5,851 |
| 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 | 75.3583% | 1,299 |
| Net loans and leases to deposits | 110.4984% | 216 |
| Net loans and leases to core deposits | 122.6714% | 360 |
| Total domestic deposits to total assets | 68.1986% | 6,192 |
| Equity capital to assets | 13.4503% | 1,191 |
| Core capital (leverage) ratio | 13.3970% | 1,013 |
| Tier 1 risk-based capital ratio | 15.7478% | 3,037 |
| Total risk-based capital ratio | 16.4059% | 3,269 |
| Memoranda: | ||
| Average total assets | $43,941,500 | 5,871 |
| Average earning assets | $40,820,500 | 5,843 |
| Average equity | $5,801,500 | 5,657 |
| Average total loans | $33,811,500 | 5,382 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7374% | 1,222 |
| Cost of funding earning assets | 0.7422% | 884 |
| Net interest margin | 3.9952% | 1,915 |
| Noninterest income to average assets | 0.2363% | 5,444 |
| Noninterest expense to average assets | 2.1976% | 5,362 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2799% | 1,348 |
| Return on assets (ROA) | 1.2915% | 1,375 |
| Pretax return on assets | 1.7961% | 798 |
| Return on Equity (ROE) | 9.9823% | 2,134 |
| Retained earnings to average equity (ytd only) | 4.1312% | 3,263 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2480% | 5,745 |
| Assets per employee ($millions) | 6.3254% | 1,167 |
| Cash dividends to net income (ytd only)* | 58.6146% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6981% | 5,998 |
| 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 | 77.4222% | 1,084 |
| Net loans and leases to deposits | 117.3886% | 120 |
| Net loans and leases to core deposits | 130.5843% | 235 |
| Total domestic deposits to total assets | 65.9537% | 6,325 |
| Equity capital to assets | 12.9590% | 1,395 |
| Core capital (leverage) ratio | 13.2058% | 1,059 |
| Tier 1 risk-based capital ratio | 15.2582% | 3,342 |
| Total risk-based capital ratio | 15.9085% | 3,620 |
| Memoranda: | ||
| Average total assets | $43,593,600 | 5,938 |
| Average earning assets | $40,824,200 | 5,897 |
| Average equity | $5,640,000 | 5,707 |
| Average total loans | $33,328,000 | 5,430 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7202% | 1,265 |
| Cost of funding earning assets | 0.7395% | 945 |
| Net interest margin | 3.9807% | 1,936 |
| Noninterest income to average assets | 0.2548% | 5,393 |
| Noninterest expense to average assets | 2.1309% | 5,505 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3266% | 1,295 |
| Return on assets (ROA) | 1.3418% | 1,320 |
| Pretax return on assets | 1.8976% | 721 |
| Return on Equity (ROE) | 10.3757% | 2,043 |
| Retained earnings to average equity (ytd only) | 6.8144% | 1,918 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1801% | 5,903 |
| Assets per employee ($millions) | 6.0526% | 1,297 |
| Cash dividends to net income (ytd only)* | 34.3259% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7091% | 6,087 |
| Loan loss allowance to noncurrent loans | 8,033.3333% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 6,173 |
| Noncurrent loans to loans | 0.0088% | 6,006 |
| Net loans and leases to total assets | 79.6474% | 750 |
| Net loans and leases to deposits | 120.7767% | 89 |
| Net loans and leases to core deposits | 129.3457% | 239 |
| Total domestic deposits to total assets | 65.9460% | 6,404 |
| Equity capital to assets | 13.6447% | 1,128 |
| Core capital (leverage) ratio | 13.2771% | 1,076 |
| Tier 1 risk-based capital ratio | 15.2155% | 3,463 |
| Total risk-based capital ratio | 15.8578% | 3,753 |
| Memoranda: | ||
| Average total assets | $43,422,500 | 6,014 |
| Average earning assets | $40,929,250 | 5,965 |
| Average equity | $5,615,500 | 5,767 |
| Average total loans | $33,029,500 | 5,490 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6836% | 1,317 |
| Cost of funding earning assets | 0.7265% | 1,042 |
| Net interest margin | 3.9571% | 1,940 |
| Noninterest income to average assets | 0.1919% | 5,811 |
| Noninterest expense to average assets | 2.0469% | 5,731 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3343% | 1,224 |
| Return on assets (ROA) | 1.3570% | 1,215 |
| Pretax return on assets | 1.9098% | 673 |
| Return on Equity (ROE) | 10.6828% | 1,851 |
| Retained earnings to average equity (ytd only) | 5.2875% | 2,772 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1537% | 6,053 |
| Assets per employee ($millions) | 6.2411% | 1,146 |
| Cash dividends to net income (ytd only)* | 50.5051% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7496% | 6,089 |
| 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 | 73.0407% | 1,565 |
| Net loans and leases to deposits | 106.1968% | 298 |
| Net loans and leases to core deposits | 117.3291% | 446 |
| Total domestic deposits to total assets | 68.7786% | 6,395 |
| Equity capital to assets | 12.9372% | 1,406 |
| Core capital (leverage) ratio | 12.6485% | 1,311 |
| Tier 1 risk-based capital ratio | 15.4871% | 3,359 |
| Total risk-based capital ratio | 16.1573% | 3,630 |
| Memoranda: | ||
| Average total assets | $43,774,000 | 6,064 |
| Average earning assets | $41,293,330 | 6,016 |
| Average equity | $5,560,330 | 5,817 |
| Average total loans | $32,710,670 | 5,542 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6620% | 1,341 |
| Cost of funding earning assets | 0.7075% | 1,204 |
| Net interest margin | 3.9545% | 1,911 |
| Noninterest income to average assets | 0.2008% | 5,752 |
| Noninterest expense to average assets | 2.2548% | 5,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2233% | 1,413 |
| Return on assets (ROA) | 1.2233% | 1,469 |
| Pretax return on assets | 1.6706% | 1,028 |
| Return on Equity (ROE) | 9.7198% | 2,145 |
| Retained earnings to average equity (ytd only) | 9.7198% | 1,042 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4419% | 5,711 |
| Assets per employee ($millions) | 6.3337% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7407% | 6,206 |
| Loan loss allowance to noncurrent loans | 6,025.0000% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 6,305 |
| Noncurrent loans to loans | 0.0123% | 6,134 |
| Net loans and leases to total assets | 72.8392% | 1,444 |
| Net loans and leases to deposits | 105.1819% | 256 |
| Net loans and leases to core deposits | 115.9486% | 409 |
| Total domestic deposits to total assets | 69.2507% | 6,473 |
| Equity capital to assets | 12.6714% | 1,473 |
| Core capital (leverage) ratio | 12.8528% | 1,220 |
| Tier 1 risk-based capital ratio | 14.6434% | 3,924 |
| Total risk-based capital ratio | 15.2786% | 4,251 |
| Memoranda: | ||
| Average total assets | $43,817,000 | 6,122 |
| Average earning assets | $41,269,500 | 6,078 |
| Average equity | $5,514,500 | 5,861 |
| Average total loans | $32,990,500 | 5,583 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8464% | 1,209 |
| Cost of funding earning assets | 0.8247% | 1,066 |
| Net interest margin | 4.0217% | 1,894 |
| Noninterest income to average assets | 0.2601% | 5,488 |
| Noninterest expense to average assets | 2.3411% | 5,254 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2934% | 1,267 |
| Return on assets (ROA) | 1.3076% | 1,270 |
| Pretax return on assets | 1.7318% | 891 |
| Return on Equity (ROE) | 10.2445% | 2,014 |
| Retained earnings to average equity (ytd only) | 4.1859% | 3,195 |
| Net charge-offs to loans | 0.0065% | 5,331 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 365.5000% | 120 |
| Efficiency ratio | 57.7457% | 5,767 |
| Assets per employee ($millions) | 6.1854% | 1,151 |
| Cash dividends to net income (ytd only)* | 59.1398% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7206% | 6,318 |
| 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 | 76.6895% | 989 |
| Net loans and leases to deposits | 113.9343% | 119 |
| Net loans and leases to core deposits | 126.2884% | 235 |
| Total domestic deposits to total assets | 67.3103% | 6,606 |
| Equity capital to assets | 12.4971% | 1,510 |
| Core capital (leverage) ratio | 12.8231% | 1,211 |
| Tier 1 risk-based capital ratio | 14.3705% | 4,034 |
| Total risk-based capital ratio | 15.0093% | 4,422 |
| Memoranda: | ||
| Average total assets | $42,672,600 | 6,206 |
| Average earning assets | $40,256,600 | 6,162 |
| Average equity | $5,446,800 | 5,949 |
| Average total loans | $30,910,800 | 5,716 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8430% | 1,256 |
| Cost of funding earning assets | 0.8398% | 1,099 |
| Net interest margin | 4.0032% | 1,935 |
| Noninterest income to average assets | 0.2854% | 5,405 |
| Noninterest expense to average assets | 2.2861% | 5,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3482% | 1,226 |
| Return on assets (ROA) | 1.3673% | 1,227 |
| Pretax return on assets | 1.8063% | 890 |
| Return on Equity (ROE) | 10.6552% | 1,939 |
| Retained earnings to average equity (ytd only) | 6.9893% | 1,882 |
| Net charge-offs to loans | 0.0088% | 4,977 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 283.6367% | 214 |
| Efficiency ratio | 56.2066% | 5,878 |
| Assets per employee ($millions) | 5.7224% | 1,425 |
| Cash dividends to net income (ytd only)* | 34.4045% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8007% | 6,285 |
| 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 | 74.5338% | 1,209 |
| Net loans and leases to deposits | 110.2715% | 148 |
| Net loans and leases to core deposits | 115.6134% | 404 |
| Total domestic deposits to total assets | 67.5912% | 6,671 |
| Equity capital to assets | 13.7604% | 1,035 |
| Core capital (leverage) ratio | 13.5580% | 1,001 |
| Tier 1 risk-based capital ratio | 16.2217% | 3,077 |
| Total risk-based capital ratio | 16.9351% | 3,321 |
| Memoranda: | ||
| Average total assets | $42,516,250 | 6,282 |
| Average earning assets | $40,166,750 | 6,233 |
| Average equity | $5,455,750 | 6,021 |
| Average total loans | $30,277,000 | 5,799 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7602% | 1,421 |
| Cost of funding earning assets | 0.8274% | 1,274 |
| Net interest margin | 3.9327% | 2,101 |
| Noninterest income to average assets | 0.3046% | 5,274 |
| Noninterest expense to average assets | 2.2476% | 5,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3249% | 1,254 |
| Return on assets (ROA) | 1.3522% | 1,272 |
| Pretax return on assets | 1.8230% | 889 |
| Return on Equity (ROE) | 10.7780% | 1,891 |
| Retained earnings to average equity (ytd only) | 5.2603% | 2,884 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7208% | 5,995 |
| Assets per employee ($millions) | 5.3753% | 1,722 |
| Cash dividends to net income (ytd only)* | 51.1945% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8006% | 6,351 |
| 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 | 70.0200% | 1,876 |
| Net loans and leases to deposits | 99.8111% | 436 |
| Net loans and leases to core deposits | 109.4272% | 584 |
| Total domestic deposits to total assets | 70.1526% | 6,656 |
| Equity capital to assets | 12.4738% | 1,594 |
| Core capital (leverage) ratio | 12.1771% | 1,520 |
| Tier 1 risk-based capital ratio | 15.4947% | 3,485 |
| Total risk-based capital ratio | 16.2002% | 3,772 |
| Memoranda: | ||
| Average total assets | $43,336,000 | 6,305 |
| Average earning assets | $41,091,000 | 6,256 |
| Average equity | $5,437,000 | 6,064 |
| Average total loans | $30,337,000 | 5,834 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8512% | 1,196 |
| Cost of funding earning assets | 0.8344% | 1,343 |
| Net interest margin | 4.0168% | 1,721 |
| Noninterest income to average assets | 0.2391% | 5,751 |
| Noninterest expense to average assets | 2.2711% | 5,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3378% | 1,185 |
| Return on assets (ROA) | 1.2965% | 1,385 |
| Pretax return on assets | 1.7194% | 1,035 |
| Return on Equity (ROE) | 10.3042% | 1,956 |
| Retained earnings to average equity (ytd only) | 10.3042% | 1,035 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1364% | 6,056 |
| Assets per employee ($millions) | 5.5574% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8404% | 6,388 |
| 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 | 64.4886% | 2,614 |
| Net loans and leases to deposits | 91.2102% | 873 |
| Net loans and leases to core deposits | 99.6109% | 971 |
| Total domestic deposits to total assets | 70.7033% | 6,724 |
| Equity capital to assets | 12.3979% | 1,774 |
| Core capital (leverage) ratio | 12.2461% | 1,439 |
| Tier 1 risk-based capital ratio | 15.3395% | 3,629 |
| Total risk-based capital ratio | 16.0381% | 3,947 |
| Memoranda: | ||
| Average total assets | $43,503,000 | 6,360 |
| Average earning assets | $41,226,500 | 6,303 |
| Average equity | $5,473,500 | 6,110 |
| Average total loans | $30,329,000 | 5,879 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1496% | 1,210 |
| Cost of funding earning assets | 0.9477% | 1,656 |
| Net interest margin | 4.2019% | 1,658 |
| Noninterest income to average assets | 0.2681% | 5,535 |
| Noninterest expense to average assets | 2.6060% | 4,724 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2025% | 1,596 |
| Return on assets (ROA) | 1.4491% | 1,125 |
| Pretax return on assets | 1.9467% | 675 |
| Return on Equity (ROE) | 10.5182% | 1,964 |
| Retained earnings to average equity (ytd only) | -5.7850% | 6,471 |
| Net charge-offs to loans | 0.0034% | 5,937 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 668.0000% | 62 |
| Efficiency ratio | 61.7630% | 5,271 |
| Assets per employee ($millions) | 6.0781% | 1,237 |
| Cash dividends to net income (ytd only)* | 155.0000% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7655% | 6,546 |
| 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 | 74.0381% | 1,192 |
| Net loans and leases to deposits | 108.8832% | 173 |
| Net loans and leases to core deposits | 115.4729% | 374 |
| Total domestic deposits to total assets | 67.9977% | 6,859 |
| Equity capital to assets | 12.7741% | 1,550 |
| Core capital (leverage) ratio | 12.7717% | 1,209 |
| Tier 1 risk-based capital ratio | 14.4934% | 4,038 |
| Total risk-based capital ratio | 15.1715% | 4,404 |
| Memoranda: | ||
| Average total assets | $41,404,000 | 6,452 |
| Average earning assets | $38,935,000 | 6,396 |
| Average equity | $5,704,400 | 6,099 |
| Average total loans | $29,758,200 | 5,960 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2196% | 1,155 |
| Cost of funding earning assets | 0.9763% | 1,703 |
| Net interest margin | 4.2433% | 1,613 |
| Noninterest income to average assets | 0.2918% | 5,437 |
| Noninterest expense to average assets | 2.5357% | 4,972 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2804% | 1,493 |
| Return on assets (ROA) | 1.6116% | 910 |
| Pretax return on assets | 2.1920% | 487 |
| Return on Equity (ROE) | 11.4809% | 1,799 |
| Retained earnings to average equity (ytd only) | 3.8578% | 4,180 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2424% | 5,623 |
| Assets per employee ($millions) | 5.7834% | 1,386 |
| Cash dividends to net income (ytd only)* | 66.3986% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 6,533 |
| 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 | 71.3788% | 1,666 |
| Net loans and leases to deposits | 102.7705% | 319 |
| Net loans and leases to core deposits | 109.1812% | 601 |
| Total domestic deposits to total assets | 69.4546% | 6,868 |
| Equity capital to assets | 14.5613% | 951 |
| Core capital (leverage) ratio | 13.9053% | 865 |
| Tier 1 risk-based capital ratio | 17.2490% | 2,628 |
| Total risk-based capital ratio | 17.9884% | 2,840 |
| Memoranda: | ||
| Average total assets | $41,118,250 | 6,545 |
| Average earning assets | $38,648,500 | 6,483 |
| Average equity | $5,771,750 | 6,151 |
| Average total loans | $29,261,750 | 6,057 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2073% | 1,231 |
| Cost of funding earning assets | 0.9951% | 1,792 |
| Net interest margin | 4.2122% | 1,715 |
| Noninterest income to average assets | 0.2032% | 6,105 |
| Noninterest expense to average assets | 2.5309% | 5,036 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1822% | 1,778 |
| Return on assets (ROA) | 1.5001% | 1,109 |
| Pretax return on assets | 2.0615% | 620 |
| Return on Equity (ROE) | 10.8190% | 2,057 |
| Retained earnings to average equity (ytd only) | -0.6980% | 6,162 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8847% | 5,437 |
| Assets per employee ($millions) | 5.8567% | 1,326 |
| Cash dividends to net income (ytd only)* | 106.4516% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 6,573 |
| 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 | 69.5148% | 2,006 |
| Net loans and leases to deposits | 102.1396% | 336 |
| Net loans and leases to core deposits | 111.7739% | 515 |
| Total domestic deposits to total assets | 68.0586% | 6,995 |
| Equity capital to assets | 13.8059% | 1,176 |
| Core capital (leverage) ratio | 13.2147% | 1,089 |
| Tier 1 risk-based capital ratio | 17.1319% | 2,614 |
| Total risk-based capital ratio | 17.8913% | 2,788 |
| Memoranda: | ||
| Average total assets | $41,329,670 | 6,579 |
| Average earning assets | $38,791,670 | 6,520 |
| Average equity | $5,730,670 | 6,188 |
| Average total loans | $29,302,000 | 6,099 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2878% | 1,124 |
| Cost of funding earning assets | 1.0204% | 1,866 |
| Net interest margin | 4.2673% | 1,570 |
| Noninterest income to average assets | 0.1928% | 6,228 |
| Noninterest expense to average assets | 2.4677% | 5,257 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2412% | 1,631 |
| Return on assets (ROA) | 1.5327% | 1,088 |
| Pretax return on assets | 2.1207% | 612 |
| Return on Equity (ROE) | 11.0302% | 2,006 |
| Retained earnings to average equity (ytd only) | 11.0302% | 1,020 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9862% | 5,773 |
| Assets per employee ($millions) | 6.0321% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 6,651 |
| 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 | 67.7348% | 2,160 |
| Net loans and leases to deposits | 98.8935% | 407 |
| Net loans and leases to core deposits | 113.4195% | 441 |
| Total domestic deposits to total assets | 68.4926% | 7,038 |
| Equity capital to assets | 13.8662% | 1,066 |
| Core capital (leverage) ratio | 13.6135% | 904 |
| Tier 1 risk-based capital ratio | 18.4728% | 2,154 |
| Total risk-based capital ratio | 19.2656% | 2,258 |
| Memoranda: | ||
| Average total assets | $41,496,000 | 6,623 |
| Average earning assets | $38,806,500 | 6,571 |
| Average equity | $5,766,000 | 6,209 |
| Average total loans | $29,581,500 | 6,133 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7306% | 737 |
| Cost of funding earning assets | 1.2729% | 1,602 |
| Net interest margin | 4.4577% | 1,236 |
| Noninterest income to average assets | 0.3167% | 5,276 |
| Noninterest expense to average assets | 2.6832% | 4,810 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3372% | 1,164 |
| Return on assets (ROA) | 1.4513% | 1,004 |
| Pretax return on assets | 1.9426% | 607 |
| Return on Equity (ROE) | 10.3544% | 1,936 |
| Retained earnings to average equity (ytd only) | 3.9496% | 3,385 |
| Net charge-offs to loans | 0.0201% | 6,161 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 119.6667% | 274 |
| Efficiency ratio | 59.9777% | 5,762 |
| Assets per employee ($millions) | 5.8239% | 1,353 |
| Cash dividends to net income (ytd only)* | 61.8557% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8048% | 6,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 6,841 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 73.7705% | 1,313 |
| Net loans and leases to deposits | 108.4451% | 200 |
| Net loans and leases to core deposits | 122.6209% | 312 |
| Total domestic deposits to total assets | 68.0256% | 7,071 |
| Equity capital to assets | 13.9255% | 1,093 |
| Core capital (leverage) ratio | 13.3725% | 1,016 |
| Tier 1 risk-based capital ratio | 17.4191% | 2,411 |
| Total risk-based capital ratio | 18.1884% | 2,591 |
| Memoranda: | ||
| Average total assets | $40,101,400 | 6,672 |
| Average earning assets | $37,395,800 | 6,628 |
| Average equity | $5,620,800 | 6,255 |
| Average total loans | $29,870,400 | 6,164 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7845% | 718 |
| Cost of funding earning assets | 1.3264% | 1,565 |
| Net interest margin | 4.4582% | 1,252 |
| Noninterest income to average assets | 0.3372% | 5,159 |
| Noninterest expense to average assets | 2.6275% | 4,985 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3918% | 1,174 |
| Return on assets (ROA) | 1.5425% | 935 |
| Pretax return on assets | 2.0766% | 545 |
| Return on Equity (ROE) | 10.9864% | 1,869 |
| Retained earnings to average equity (ytd only) | 10.9864% | 636 |
| Net charge-offs to loans | -0.0045% | 6,708 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3828% | 5,959 |
| Assets per employee ($millions) | 5.7881% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8329% | 6,755 |
| Loan loss allowance to noncurrent loans | 1,004.0000% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 6,893 |
| Noncurrent loans to loans | 0.0830% | 6,730 |
| Net loans and leases to total assets | 73.7592% | 1,360 |
| Net loans and leases to deposits | 109.6818% | 182 |
| Net loans and leases to core deposits | 124.3033% | 306 |
| Total domestic deposits to total assets | 67.2483% | 7,167 |
| Equity capital to assets | 14.5667% | 972 |
| Core capital (leverage) ratio | 14.1608% | 857 |
| Tier 1 risk-based capital ratio | 18.9190% | 1,964 |
| Total risk-based capital ratio | 19.7427% | 2,056 |
| Memoranda: | ||
| Average total assets | $39,935,000 | 6,730 |
| Average earning assets | $37,294,000 | 6,690 |
| Average equity | $5,606,750 | 6,302 |
| Average total loans | $29,758,500 | 6,229 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7323% | 827 |
| Cost of funding earning assets | 1.3456% | 1,670 |
| Net interest margin | 4.3867% | 1,409 |
| Noninterest income to average assets | 0.2667% | 5,744 |
| Noninterest expense to average assets | 2.6220% | 5,108 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2655% | 1,404 |
| Return on assets (ROA) | 1.4896% | 969 |
| Pretax return on assets | 2.0533% | 527 |
| Return on Equity (ROE) | 10.7474% | 1,884 |
| Retained earnings to average equity (ytd only) | 10.7474% | 716 |
| Net charge-offs to loans | -0.0067% | 6,624 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0230% | 5,872 |
| Assets per employee ($millions) | 5.0878% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8569% | 6,756 |
| Loan loss allowance to noncurrent loans | 12,550.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 7,122 |
| Noncurrent loans to loans | 0.0068% | 6,995 |
| Net loans and leases to total assets | 71.3503% | 1,916 |
| Net loans and leases to deposits | 113.1188% | 142 |
| Net loans and leases to core deposits | 120.3922% | 410 |
| Total domestic deposits to total assets | 63.0755% | 7,330 |
| Equity capital to assets | 14.0116% | 1,090 |
| Core capital (leverage) ratio | 13.7886% | 925 |
| Tier 1 risk-based capital ratio | 18.2022% | 2,103 |
| Total risk-based capital ratio | 19.0182% | 2,206 |
| Memoranda: | ||
| Average total assets | $39,741,000 | 6,794 |
| Average earning assets | $37,157,670 | 6,755 |
| Average equity | $5,508,330 | 6,365 |
| Average total loans | $29,632,670 | 6,303 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7667% | 785 |
| Cost of funding earning assets | 1.3626% | 1,818 |
| Net interest margin | 4.4040% | 1,263 |
| Noninterest income to average assets | 0.2751% | 5,703 |
| Noninterest expense to average assets | 2.7101% | 4,795 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2226% | 1,469 |
| Return on assets (ROA) | 1.2226% | 1,527 |
| Pretax return on assets | 1.6811% | 1,012 |
| Return on Equity (ROE) | 8.8708% | 2,521 |
| Retained earnings to average equity (ytd only) | 8.8708% | 1,418 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7169% | 5,722 |
| Assets per employee ($millions) | 5.0171% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8697% | 6,777 |
| 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 | 70.9968% | 1,925 |
| Net loans and leases to deposits | 112.2995% | 150 |
| Net loans and leases to core deposits | 119.6205% | 427 |
| Total domestic deposits to total assets | 63.2210% | 7,379 |
| Equity capital to assets | 13.6607% | 1,121 |
| Core capital (leverage) ratio | 13.6072% | 938 |
| Tier 1 risk-based capital ratio | 17.8365% | 2,169 |
| Total risk-based capital ratio | 18.6587% | 2,306 |
| Memoranda: | ||
| Average total assets | $39,260,500 | 6,859 |
| Average earning assets | $36,693,500 | 6,819 |
| Average equity | $5,411,000 | 6,413 |
| Average total loans | $29,803,000 | 6,345 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9458% | 953 |
| Cost of funding earning assets | 1.6088% | 2,020 |
| Net interest margin | 4.3370% | 1,691 |
| Noninterest income to average assets | 0.3342% | 5,395 |
| Noninterest expense to average assets | 2.6605% | 5,177 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.2726% | 1,240 |
| Return on assets (ROA) | 1.3763% | 1,064 |
| Pretax return on assets | 1.8737% | 644 |
| Return on Equity (ROE) | 9.8260% | 1,997 |
| Retained earnings to average equity (ytd only) | 2.4988% | 4,124 |
| Net charge-offs to loans | 0.0066% | 6,779 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 329.0000% | 70 |
| Efficiency ratio | 60.5752% | 5,956 |
| Assets per employee ($millions) | 4.7980% | 2,419 |
| Cash dividends to net income (ytd only)* | 74.5698% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8101% | 6,944 |
| Loan loss allowance to noncurrent loans | 961.5385% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 7,059 |
| Noncurrent loans to loans | 0.0843% | 6,922 |
| Net loans and leases to total assets | 79.7468% | 690 |
| Net loans and leases to deposits | 129.2106% | 69 |
| Net loans and leases to core deposits | 138.2628% | 240 |
| Total domestic deposits to total assets | 61.7184% | 7,486 |
| Equity capital to assets | 13.9094% | 1,063 |
| Core capital (leverage) ratio | 13.7891% | 900 |
| Tier 1 risk-based capital ratio | 16.6903% | 2,461 |
| Total risk-based capital ratio | 17.4771% | 2,604 |
| Memoranda: | ||
| Average total assets | $38,000,600 | 6,936 |
| Average earning assets | $35,554,400 | 6,892 |
| Average equity | $5,322,600 | 6,558 |
| Average total loans | $30,387,000 | 6,373 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9694% | 990 |
| Cost of funding earning assets | 1.6444% | 2,137 |
| Net interest margin | 4.3250% | 1,759 |
| Noninterest income to average assets | 0.3623% | 5,259 |
| Noninterest expense to average assets | 2.6241% | 5,228 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3070% | 1,321 |
| Return on assets (ROA) | 1.4457% | 1,101 |
| Pretax return on assets | 1.9804% | 646 |
| Return on Equity (ROE) | 10.3035% | 2,006 |
| Retained earnings to average equity (ytd only) | 5.0388% | 2,961 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4422% | 6,038 |
| Assets per employee ($millions) | 4.7333% | 2,551 |
| Cash dividends to net income (ytd only)* | 51.0940% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8044% | 6,992 |
| Loan loss allowance to noncurrent loans | 311.1111% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 6,831 |
| Noncurrent loans to loans | 0.2585% | 6,666 |
| Net loans and leases to total assets | 82.0710% | 485 |
| Net loans and leases to deposits | 135.6304% | 56 |
| Net loans and leases to core deposits | 144.8069% | 220 |
| Total domestic deposits to total assets | 60.5107% | 7,586 |
| Equity capital to assets | 14.4642% | 1,029 |
| Core capital (leverage) ratio | 14.2884% | 865 |
| Tier 1 risk-based capital ratio | 17.0762% | 2,314 |
| Total risk-based capital ratio | 17.8772% | 2,456 |
| Memoranda: | ||
| Average total assets | $37,904,750 | 7,020 |
| Average earning assets | $35,513,500 | 6,974 |
| Average equity | $5,318,500 | 6,640 |
| Average total loans | $30,268,750 | 6,464 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9263% | 1,122 |
| Cost of funding earning assets | 1.6555% | 2,358 |
| Net interest margin | 4.2707% | 1,889 |
| Noninterest income to average assets | 0.2796% | 5,912 |
| Noninterest expense to average assets | 2.7059% | 4,880 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0880% | 1,894 |
| Return on assets (ROA) | 1.2817% | 1,411 |
| Pretax return on assets | 1.8725% | 774 |
| Return on Equity (ROE) | 9.2296% | 2,377 |
| Retained earnings to average equity (ytd only) | 1.2534% | 5,253 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0221% | 5,514 |
| Assets per employee ($millions) | 4.7949% | 2,455 |
| Cash dividends to net income (ytd only)* | 86.4198% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8122% | 7,004 |
| Loan loss allowance to noncurrent loans | 600.0000% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 7,112 |
| Noncurrent loans to loans | 0.1354% | 6,993 |
| Net loans and leases to total assets | 80.2289% | 762 |
| Net loans and leases to deposits | 132.9316% | 65 |
| Net loans and leases to core deposits | 141.8203% | 268 |
| Total domestic deposits to total assets | 60.3535% | 7,654 |
| Equity capital to assets | 13.6578% | 1,284 |
| Core capital (leverage) ratio | 13.6038% | 1,024 |
| Tier 1 risk-based capital ratio | 16.7752% | 2,370 |
| Total risk-based capital ratio | 17.5875% | 2,483 |
| Memoranda: | ||
| Average total assets | $37,917,670 | 7,077 |
| Average earning assets | $35,638,000 | 7,019 |
| Average equity | $5,265,670 | 6,693 |
| Average total loans | $29,915,330 | 6,532 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9208% | 1,153 |
| Cost of funding earning assets | 1.6610% | 2,591 |
| Net interest margin | 4.2598% | 1,824 |
| Noninterest income to average assets | 0.3183% | 5,599 |
| Noninterest expense to average assets | 2.6740% | 5,037 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1481% | 1,680 |
| Return on assets (ROA) | 1.5492% | 881 |
| Pretax return on assets | 2.2177% | 408 |
| Return on Equity (ROE) | 11.0627% | 1,772 |
| Retained earnings to average equity (ytd only) | 11.0627% | 907 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9165% | 5,848 |
| Assets per employee ($millions) | 4.8334% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 6,951 |
| Loan loss allowance to noncurrent loans | 630.0000% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 7,224 |
| Noncurrent loans to loans | 0.1368% | 7,062 |
| Net loans and leases to total assets | 74.9580% | 1,749 |
| Net loans and leases to deposits | 120.4305% | 131 |
| Net loans and leases to core deposits | 128.1571% | 533 |
| Total domestic deposits to total assets | 62.2417% | 7,712 |
| Equity capital to assets | 13.8128% | 1,203 |
| Core capital (leverage) ratio | 14.1991% | 912 |
| Tier 1 risk-based capital ratio | 17.8653% | 1,983 |
| Total risk-based capital ratio | 18.7122% | 2,060 |
| Memoranda: | ||
| Average total assets | $37,697,000 | 7,179 |
| Average earning assets | $35,400,500 | 7,113 |
| Average equity | $5,279,000 | 6,746 |
| Average total loans | $29,359,500 | 6,639 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3770% | 875 |
| Cost of funding earning assets | 2.0252% | 2,844 |
| Net interest margin | 4.3518% | 1,567 |
| Noninterest income to average assets | 0.3997% | 5,203 |
| Noninterest expense to average assets | 2.6845% | 5,459 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2257% | 1,185 |
| Return on assets (ROA) | 1.5313% | 671 |
| Pretax return on assets | 2.2146% | 268 |
| Return on Equity (ROE) | 10.9675% | 1,433 |
| Retained earnings to average equity (ytd only) | 5.1646% | 1,732 |
| Net charge-offs to loans | 0.0036% | 7,196 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 656.0000% | 37 |
| Efficiency ratio | 60.2424% | 6,450 |
| Assets per employee ($millions) | 4.5909% | 2,781 |
| Cash dividends to net income (ytd only)* | 52.9101% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8547% | 6,968 |
| 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 | 79.5899% | 1,066 |
| Net loans and leases to deposits | 133.0072% | 77 |
| Net loans and leases to core deposits | 156.8607% | 380 |
| Total domestic deposits to total assets | 59.8388% | 7,805 |
| Equity capital to assets | 14.2048% | 1,103 |
| Core capital (leverage) ratio | 14.0554% | 966 |
| Tier 1 risk-based capital ratio | 17.6096% | 1,994 |
| Total risk-based capital ratio | 18.4679% | 2,051 |
| Memoranda: | ||
| Average total assets | $37,027,000 | 7,210 |
| Average earning assets | $34,514,400 | 7,159 |
| Average equity | $5,169,800 | 6,881 |
| Average total loans | $27,678,800 | 6,761 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4413% | 854 |
| Cost of funding earning assets | 2.1317% | 2,741 |
| Net interest margin | 4.3096% | 1,705 |
| Noninterest income to average assets | 0.4169% | 5,156 |
| Noninterest expense to average assets | 2.5946% | 5,727 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2712% | 1,283 |
| Return on assets (ROA) | 1.5812% | 741 |
| Pretax return on assets | 2.2819% | 295 |
| Return on Equity (ROE) | 11.3736% | 1,519 |
| Retained earnings to average equity (ytd only) | 7.4963% | 1,315 |
| Net charge-offs to loans | 0.0049% | 6,897 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 511.2632% | 68 |
| Efficiency ratio | 58.6039% | 6,628 |
| Assets per employee ($millions) | 4.5081% | 2,849 |
| Cash dividends to net income (ytd only)* | 34.0919% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9191% | 6,675 |
| Loan loss allowance to noncurrent loans | 720.0000% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 7,305 |
| Noncurrent loans to loans | 0.1277% | 7,160 |
| Net loans and leases to total assets | 75.3223% | 2,151 |
| Net loans and leases to deposits | 127.4813% | 124 |
| Net loans and leases to core deposits | 152.6552% | 519 |
| Total domestic deposits to total assets | 59.0850% | 7,891 |
| Equity capital to assets | 14.7678% | 1,071 |
| Core capital (leverage) ratio | 14.2775% | 1,012 |
| Tier 1 risk-based capital ratio | 18.5136% | 1,858 |
| Total risk-based capital ratio | 19.4119% | 1,892 |
| Memoranda: | ||
| Average total assets | $37,102,000 | 7,270 |
| Average earning assets | $34,526,250 | 7,226 |
| Average equity | $5,158,000 | 6,947 |
| Average total loans | $27,227,750 | 6,845 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5526% | 727 |
| Cost of funding earning assets | 2.2110% | 2,742 |
| Net interest margin | 4.3416% | 1,546 |
| Noninterest income to average assets | 0.3632% | 5,609 |
| Noninterest expense to average assets | 2.4888% | 6,155 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2837% | 1,265 |
| Return on assets (ROA) | 1.6236% | 716 |
| Pretax return on assets | 2.4194% | 241 |
| Return on Equity (ROE) | 11.9169% | 1,440 |
| Retained earnings to average equity (ytd only) | 6.0368% | 2,001 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5534% | 7,048 |
| Assets per employee ($millions) | 4.3926% | 2,946 |
| Cash dividends to net income (ytd only)* | 49.3421% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 6,524 |
| 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 | 74.2836% | 2,628 |
| Net loans and leases to deposits | 125.2351% | 160 |
| Net loans and leases to core deposits | 153.8335% | 565 |
| Total domestic deposits to total assets | 59.3153% | 7,952 |
| Equity capital to assets | 14.4987% | 1,165 |
| Core capital (leverage) ratio | 13.5946% | 1,244 |
| Tier 1 risk-based capital ratio | 19.2517% | 1,731 |
| Total risk-based capital ratio | 20.2109% | 1,744 |
| Memoranda: | ||
| Average total assets | $37,447,670 | 7,316 |
| Average earning assets | $34,825,670 | 7,277 |
| Average equity | $5,102,000 | 7,023 |
| Average total loans | $27,164,670 | 6,903 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2485% | 1,451 |
| Cost of funding earning assets | 2.2722% | 2,829 |
| Net interest margin | 3.9763% | 2,749 |
| Noninterest income to average assets | 0.3523% | 5,625 |
| Noninterest expense to average assets | 2.4455% | 6,041 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0831% | 2,021 |
| Return on assets (ROA) | 1.3886% | 1,257 |
| Pretax return on assets | 2.0621% | 586 |
| Return on Equity (ROE) | 10.4985% | 2,125 |
| Retained earnings to average equity (ytd only) | 10.4985% | 1,073 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3581% | 6,341 |
| Assets per employee ($millions) | 4.7921% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9229% | 6,641 |
| 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 | 70.5689% | 3,556 |
| Net loans and leases to deposits | 117.8824% | 338 |
| Net loans and leases to core deposits | 141.9263% | 1,015 |
| Total domestic deposits to total assets | 59.8638% | 7,969 |
| Equity capital to assets | 13.4205% | 1,563 |
| Core capital (leverage) ratio | 13.0081% | 1,479 |
| Tier 1 risk-based capital ratio | 18.7138% | 1,878 |
| Total risk-based capital ratio | 19.6500% | 1,917 |
| Memoranda: | ||
| Average total assets | $38,601,000 | 7,315 |
| Average earning assets | $35,912,500 | 7,266 |
| Average equity | $5,105,500 | 7,075 |
| Average total loans | $27,569,000 | 6,910 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5360% | 2,782 |
| Cost of funding earning assets | 2.7516% | 2,918 |
| Net interest margin | 3.7844% | 4,085 |
| Noninterest income to average assets | 0.3332% | 6,072 |
| Noninterest expense to average assets | 2.1994% | 6,963 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1223% | 2,063 |
| Return on assets (ROA) | 1.1223% | 1,976 |
| Pretax return on assets | 1.6859% | 1,174 |
| Return on Equity (ROE) | 9.0461% | 2,631 |
| Retained earnings to average equity (ytd only) | 2.9885% | 3,311 |
| Net charge-offs to loans | 0.0143% | 6,695 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 168.2500% | 274 |
| Efficiency ratio | 56.6086% | 6,924 |
| Assets per employee ($millions) | 4.8581% | 2,100 |
| Cash dividends to net income (ytd only)* | 66.9643% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 6,627 |
| 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 | 70.9610% | 3,792 |
| Net loans and leases to deposits | 113.7231% | 621 |
| Net loans and leases to core deposits | 135.3637% | 1,520 |
| Total domestic deposits to total assets | 62.3980% | 7,865 |
| Equity capital to assets | 13.0349% | 1,768 |
| Core capital (leverage) ratio | 12.7126% | 1,656 |
| Tier 1 risk-based capital ratio | 17.7945% | 2,088 |
| Total risk-based capital ratio | 18.7126% | 2,128 |
| Memoranda: | ||
| Average total assets | $39,919,200 | 7,215 |
| Average earning assets | $37,469,600 | 7,174 |
| Average equity | $4,952,400 | 7,164 |
| Average total loans | $27,935,200 | 6,848 |