Home > Breda Savings Bank > Performance and Condition Ratios
Breda Savings 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 | 4.5042% | 3,091 |
| Cost of funding earning assets | 2.0061% | 910 |
| Net interest margin | 2.4982% | 4,091 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 1.6739% | 4,163 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.1124% | 1,884 |
| Return on assets (ROA) | 1.1124% | 1,859 |
| Pretax return on assets | 1.1510% | 2,260 |
| Return on Equity (ROE) | 18.7300% | 734 |
| Retained earnings to average equity (ytd only) | 18.7335% | 160 |
| 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 | 59.1202% | 3,177 |
| Assets per employee ($millions) | 12.4134% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7193% | 4,094 |
| 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 | 57.5400% | 3,075 |
| Net loans and leases to deposits | 75.7416% | 2,478 |
| Net loans and leases to core deposits | 92.0653% | 1,896 |
| Total domestic deposits to total assets | 75.9700% | 3,947 |
| Equity capital to assets | 6.6491% | 4,067 |
| Core capital (leverage) ratio | 9.4260% | 3,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $93,133,200 | 3,885 |
| Average earning assets | $87,783,800 | 3,852 |
| Average equity | $5,530,200 | 4,211 |
| Average total loans | $52,384,600 | 3,802 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 3,214 |
| Cost of funding earning assets | 1.8075% | 994 |
| Net interest margin | 2.5326% | 4,109 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 1.6668% | 4,168 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.1311% | 1,964 |
| Return on assets (ROA) | 1.1311% | 1,943 |
| Pretax return on assets | 1.1544% | 2,405 |
| Return on Equity (ROE) | 19.6900% | 756 |
| Retained earnings to average equity (ytd only) | 19.6878% | 269 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.8992% | 3,098 |
| Assets per employee ($millions) | 11.7599% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7616% | 4,051 |
| 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 | 57.3400% | 3,090 |
| Net loans and leases to deposits | 73.2779% | 2,628 |
| Net loans and leases to core deposits | 89.3026% | 1,977 |
| Total domestic deposits to total assets | 78.2500% | 3,790 |
| Equity capital to assets | 5.3274% | 4,189 |
| Core capital (leverage) ratio | 9.6310% | 3,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $91,589,750 | 3,912 |
| Average earning assets | $86,232,250 | 3,882 |
| Average equity | $5,262,000 | 4,248 |
| Average total loans | $51,091,250 | 3,842 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2308% | 3,228 |
| Cost of funding earning assets | 1.6540% | 960 |
| Net interest margin | 2.5768% | 4,133 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.6792% | 4,173 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.1018% | 2,122 |
| Return on assets (ROA) | 1.1018% | 2,110 |
| Pretax return on assets | 1.1371% | 2,544 |
| Return on Equity (ROE) | 18.7100% | 870 |
| Retained earnings to average equity (ytd only) | 18.7079% | 302 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.3458% | 3,038 |
| Assets per employee ($millions) | 11.4313% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8113% | 3,992 |
| 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 | 55.3500% | 3,162 |
| Net loans and leases to deposits | 71.6906% | 2,671 |
| Net loans and leases to core deposits | 80.7489% | 2,422 |
| Total domestic deposits to total assets | 77.2000% | 3,927 |
| Equity capital to assets | 6.0230% | 4,145 |
| Core capital (leverage) ratio | 9.4514% | 3,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $90,760,000 | 3,933 |
| Average earning assets | $85,610,667 | 3,904 |
| Average equity | $5,345,333 | 4,263 |
| Average total loans | $50,002,000 | 3,863 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0664% | 3,333 |
| Cost of funding earning assets | 1.4680% | 898 |
| Net interest margin | 2.5984% | 4,205 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 1.6988% | 4,198 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 1.1812% | 1,989 |
| Return on assets (ROA) | 1.1812% | 1,948 |
| Pretax return on assets | 1.1812% | 2,478 |
| Return on Equity (ROE) | 20.2900% | 728 |
| Retained earnings to average equity (ytd only) | 20.2888% | 359 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.4427% | 3,030 |
| Assets per employee ($millions) | 11.3909% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8142% | 4,063 |
| 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 | 53.8700% | 3,209 |
| Net loans and leases to deposits | 68.6437% | 2,721 |
| Net loans and leases to core deposits | 74.8384% | 2,612 |
| Total domestic deposits to total assets | 78.4800% | 3,942 |
| Equity capital to assets | 5.8665% | 4,247 |
| Core capital (leverage) ratio | 9.2966% | 3,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $90,415,000 | 3,989 |
| Average earning assets | $85,283,500 | 3,956 |
| Average equity | $5,264,000 | 4,326 |
| Average total loans | $49,488,500 | 3,912 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6693% | 2,614 |
| Cost of funding earning assets | 0.6754% | 656 |
| Net interest margin | 2.9939% | 3,470 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 1.5721% | 4,339 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4099% | 1,109 |
| Return on assets (ROA) | 1.4099% | 1,068 |
| Pretax return on assets | 1.7430% | 833 |
| Return on Equity (ROE) | 22.6800% | 294 |
| Retained earnings to average equity (ytd only) | 10.1432% | 1,110 |
| Net charge-offs to loans | -0.0046% | 3,619 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.4231% | 4,280 |
| Assets per employee ($millions) | 12.8147% | 320 |
| Cash dividends to net income (ytd only)* | 55.2746% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8246% | 3,979 |
| 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 | 54.7000% | 3,141 |
| Net loans and leases to deposits | 73.5293% | 2,290 |
| Net loans and leases to core deposits | 79.0184% | 2,199 |
| Total domestic deposits to total assets | 74.4000% | 4,341 |
| Equity capital to assets | 5.7768% | 4,162 |
| Core capital (leverage) ratio | 9.1230% | 3,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $81,355,600 | 4,114 |
| Average earning assets | $76,990,200 | 4,076 |
| Average equity | $5,057,600 | 4,421 |
| Average total loans | $43,226,200 | 4,006 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6612% | 2,161 |
| Cost of funding earning assets | 0.4190% | 1,163 |
| Net interest margin | 3.2422% | 2,487 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.4549% | 4,467 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6837% | 548 |
| Return on assets (ROA) | 1.6837% | 533 |
| Pretax return on assets | 2.0571% | 412 |
| Return on Equity (ROE) | 26.5500% | 146 |
| Retained earnings to average equity (ytd only) | 9.7348% | 1,422 |
| Net charge-offs to loans | -0.0064% | 3,556 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 41.4272% | 4,534 |
| Assets per employee ($millions) | 12.2357% | 357 |
| Cash dividends to net income (ytd only)* | 63.3367% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8868% | 3,898 |
| 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 | 53.2400% | 3,162 |
| Net loans and leases to deposits | 71.1597% | 2,270 |
| Net loans and leases to core deposits | 72.8269% | 2,431 |
| Total domestic deposits to total assets | 74.8200% | 4,419 |
| Equity capital to assets | 3.4746% | 4,546 |
| Core capital (leverage) ratio | 9.7971% | 2,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $79,268,750 | 4,168 |
| Average earning assets | $75,092,250 | 4,126 |
| Average equity | $5,026,500 | 4,467 |
| Average total loans | $41,662,750 | 4,057 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5004% | 2,142 |
| Cost of funding earning assets | 0.3299% | 1,442 |
| Net interest margin | 3.1705% | 2,286 |
| Noninterest income to average assets | 0.3759% | 2,898 |
| Noninterest expense to average assets | 1.2782% | 4,601 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6671% | 467 |
| Return on assets (ROA) | 1.6671% | 460 |
| Pretax return on assets | 2.1130% | 284 |
| Return on Equity (ROE) | 22.5219% | 183 |
| Retained earnings to average equity (ytd only) | 0.3152% | 4,132 |
| Net charge-offs to loans | -0.0099% | 3,595 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6911% | 4,659 |
| Assets per employee ($millions) | 11.0509% | 483 |
| Cash dividends to net income (ytd only)* | 98.6003% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 3,730 |
| 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 | 53.8717% | 2,973 |
| Net loans and leases to deposits | 65.5782% | 2,584 |
| Net loans and leases to core deposits | 67.1247% | 2,727 |
| Total domestic deposits to total assets | 82.1488% | 3,987 |
| Equity capital to assets | 5.8392% | 4,259 |
| Core capital (leverage) ratio | 9.9753% | 2,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,141,667 | 4,233 |
| Average earning assets | $73,363,667 | 4,202 |
| Average equity | $5,710,000 | 4,445 |
| Average total loans | $40,213,667 | 4,133 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0403% | 3,136 |
| Cost of funding earning assets | 0.3051% | 1,610 |
| Net interest margin | 2.7352% | 3,325 |
| Noninterest income to average assets | 0.4050% | 2,649 |
| Noninterest expense to average assets | 1.8070% | 3,926 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2047% | 1,237 |
| Return on assets (ROA) | 1.2047% | 1,226 |
| Pretax return on assets | 1.2047% | 1,792 |
| Return on Equity (ROE) | 14.7150% | 699 |
| Retained earnings to average equity (ytd only) | 14.7150% | 309 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 3,483 |
| Assets per employee ($millions) | 10.6817% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 3,502 |
| 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 | 50.8747% | 3,084 |
| Net loans and leases to deposits | 60.9040% | 2,818 |
| Net loans and leases to core deposits | 62.3658% | 2,939 |
| Total domestic deposits to total assets | 83.5326% | 3,856 |
| Equity capital to assets | 6.7860% | 4,302 |
| Core capital (leverage) ratio | 10.2756% | 2,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,034,500 | 4,256 |
| Average earning assets | $73,414,500 | 4,219 |
| Average equity | $6,306,500 | 4,433 |
| Average total loans | $39,280,000 | 4,170 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9938% | 1,370 |
| Cost of funding earning assets | 0.3759% | 1,711 |
| Net interest margin | 3.6178% | 1,417 |
| Noninterest income to average assets | 0.5033% | 2,552 |
| Noninterest expense to average assets | 1.8880% | 3,950 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.8302% | 473 |
| Return on assets (ROA) | 1.8302% | 497 |
| Pretax return on assets | 2.0858% | 509 |
| Return on Equity (ROE) | 17.8740% | 478 |
| Retained earnings to average equity (ytd only) | 1.4720% | 4,127 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5110% | 4,436 |
| Assets per employee ($millions) | 9.9121% | 681 |
| Cash dividends to net income (ytd only)* | 91.7647% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 3,693 |
| 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 | 50.0750% | 3,264 |
| Net loans and leases to deposits | 75.1561% | 1,631 |
| Net loans and leases to core deposits | 77.2935% | 1,820 |
| Total domestic deposits to total assets | 66.6280% | 4,723 |
| Equity capital to assets | 9.5073% | 3,142 |
| Core capital (leverage) ratio | 10.1131% | 2,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,310,400 | 4,286 |
| Average earning assets | $71,286,200 | 4,248 |
| Average equity | $7,608,800 | 4,367 |
| Average total loans | $38,310,800 | 4,226 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1711% | 1,147 |
| Cost of funding earning assets | 0.3954% | 1,726 |
| Net interest margin | 3.7756% | 1,167 |
| Noninterest income to average assets | 0.4489% | 2,844 |
| Noninterest expense to average assets | 1.7902% | 4,187 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9927% | 472 |
| Return on assets (ROA) | 1.9927% | 499 |
| Pretax return on assets | 2.2829% | 480 |
| Return on Equity (ROE) | 19.0915% | 505 |
| Retained earnings to average equity (ytd only) | 10.2101% | 1,260 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9516% | 4,587 |
| Assets per employee ($millions) | 9.1476% | 846 |
| Cash dividends to net income (ytd only)* | 46.5201% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 3,213 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 47.7446% | 3,647 |
| Net loans and leases to deposits | 59.9797% | 3,230 |
| Net loans and leases to core deposits | 61.5227% | 3,360 |
| Total domestic deposits to total assets | 79.6013% | 4,283 |
| Equity capital to assets | 10.6872% | 2,271 |
| Core capital (leverage) ratio | 10.8942% | 1,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,063,750 | 4,356 |
| Average earning assets | $70,132,000 | 4,315 |
| Average equity | $7,626,250 | 4,429 |
| Average total loans | $37,860,000 | 4,290 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5242% | 701 |
| Cost of funding earning assets | 0.4165% | 1,753 |
| Net interest margin | 4.1077% | 683 |
| Noninterest income to average assets | 0.3588% | 3,314 |
| Noninterest expense to average assets | 1.7391% | 4,305 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.2130% | 331 |
| Return on assets (ROA) | 2.2130% | 353 |
| Pretax return on assets | 2.5635% | 320 |
| Return on Equity (ROE) | 21.3719% | 360 |
| Retained earnings to average equity (ytd only) | 7.9351% | 2,100 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4201% | 4,738 |
| Assets per employee ($millions) | 9.3268% | 765 |
| Cash dividends to net income (ytd only)* | 62.8713% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,635 |
| 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 | 51.3657% | 3,411 |
| Net loans and leases to deposits | 64.2041% | 2,978 |
| Net loans and leases to core deposits | 65.8127% | 3,128 |
| Total domestic deposits to total assets | 80.0038% | 4,237 |
| Equity capital to assets | 10.4994% | 2,391 |
| Core capital (leverage) ratio | 10.1792% | 2,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,024,667 | 4,384 |
| Average earning assets | $70,111,667 | 4,339 |
| Average equity | $7,561,333 | 4,459 |
| Average total loans | $38,698,000 | 4,307 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3692% | 3,288 |
| Cost of funding earning assets | 0.4450% | 1,760 |
| Net interest margin | 2.9242% | 3,454 |
| Noninterest income to average assets | 0.4264% | 2,949 |
| Noninterest expense to average assets | 1.9050% | 3,976 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3235% | 1,749 |
| Return on assets (ROA) | 1.3235% | 1,834 |
| Pretax return on assets | 1.3235% | 2,506 |
| Return on Equity (ROE) | 12.8754% | 1,708 |
| Retained earnings to average equity (ytd only) | 12.8754% | 946 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0051% | 3,158 |
| Assets per employee ($millions) | 9.4059% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 3,691 |
| 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 | 51.3004% | 3,511 |
| Net loans and leases to deposits | 66.9592% | 2,816 |
| Net loans and leases to core deposits | 68.6966% | 2,997 |
| Total domestic deposits to total assets | 76.6144% | 4,550 |
| Equity capital to assets | 9.8874% | 2,809 |
| Core capital (leverage) ratio | 10.7681% | 1,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,230,000 | 4,408 |
| Average earning assets | $69,214,500 | 4,368 |
| Average equity | $7,425,000 | 4,489 |
| Average total loans | $38,681,000 | 4,327 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 2,352 |
| Cost of funding earning assets | 0.6769% | 1,837 |
| Net interest margin | 3.4484% | 2,632 |
| Noninterest income to average assets | 0.4744% | 2,754 |
| Noninterest expense to average assets | 2.0228% | 4,097 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.6597% | 557 |
| Return on assets (ROA) | 1.6582% | 603 |
| Pretax return on assets | 1.7452% | 775 |
| Return on Equity (ROE) | 14.5406% | 709 |
| Retained earnings to average equity (ytd only) | 0.0268% | 4,510 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6625% | 4,247 |
| Assets per employee ($millions) | 8.6516% | 846 |
| Cash dividends to net income (ytd only)* | 99.8160% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 3,643 |
| 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 | 54.8279% | 3,407 |
| Net loans and leases to deposits | 78.1466% | 2,058 |
| Net loans and leases to core deposits | 81.4247% | 2,238 |
| Total domestic deposits to total assets | 70.1602% | 4,772 |
| Equity capital to assets | 10.7061% | 2,516 |
| Core capital (leverage) ratio | 10.9215% | 1,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,551,400 | 4,435 |
| Average earning assets | $62,637,600 | 4,409 |
| Average equity | $7,475,600 | 4,482 |
| Average total loans | $39,916,400 | 4,311 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0632% | 2,783 |
| Cost of funding earning assets | 0.7211% | 1,899 |
| Net interest margin | 3.3421% | 3,070 |
| Noninterest income to average assets | 0.5136% | 2,548 |
| Noninterest expense to average assets | 1.9122% | 4,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.7327% | 535 |
| Return on assets (ROA) | 1.7327% | 597 |
| Pretax return on assets | 1.7946% | 785 |
| Return on Equity (ROE) | 14.9489% | 694 |
| Retained earnings to average equity (ytd only) | 10.4998% | 673 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5170% | 4,814 |
| Assets per employee ($millions) | 9.7441% | 554 |
| Cash dividends to net income (ytd only)* | 29.7619% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 3,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 59.0186% | 3,320 |
| Net loans and leases to deposits | 90.6360% | 1,207 |
| Net loans and leases to core deposits | 94.7914% | 1,564 |
| Total domestic deposits to total assets | 65.1160% | 4,868 |
| Equity capital to assets | 11.6685% | 1,898 |
| Core capital (leverage) ratio | 12.1128% | 1,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,636,000 | 4,462 |
| Average earning assets | $61,756,250 | 4,433 |
| Average equity | $7,492,000 | 4,499 |
| Average total loans | $40,307,000 | 4,329 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2344% | 2,654 |
| Cost of funding earning assets | 0.8040% | 1,803 |
| Net interest margin | 3.4303% | 3,006 |
| Noninterest income to average assets | 0.4003% | 3,074 |
| Noninterest expense to average assets | 1.9103% | 4,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7086% | 610 |
| Return on assets (ROA) | 1.7086% | 666 |
| Pretax return on assets | 1.7716% | 858 |
| Return on Equity (ROE) | 14.7758% | 740 |
| Retained earnings to average equity (ytd only) | 7.9604% | 1,318 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4349% | 4,794 |
| Assets per employee ($millions) | 9.4643% | 593 |
| Cash dividends to net income (ytd only)* | 46.1255% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9732% | 3,694 |
| 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 | 62.3608% | 3,084 |
| Net loans and leases to deposits | 95.9118% | 803 |
| Net loans and leases to core deposits | 100.4229% | 1,227 |
| Total domestic deposits to total assets | 65.0189% | 4,904 |
| Equity capital to assets | 11.2498% | 2,150 |
| Core capital (leverage) ratio | 12.2805% | 1,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,445,000 | 4,490 |
| Average earning assets | $60,694,000 | 4,458 |
| Average equity | $7,336,333 | 4,536 |
| Average total loans | $40,188,667 | 4,352 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4369% | 2,484 |
| Cost of funding earning assets | 0.9387% | 1,698 |
| Net interest margin | 3.4982% | 2,992 |
| Noninterest income to average assets | 0.5158% | 2,468 |
| Noninterest expense to average assets | 1.9084% | 4,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.9471% | 298 |
| Return on assets (ROA) | 1.9471% | 328 |
| Pretax return on assets | 1.9471% | 515 |
| Return on Equity (ROE) | 16.5980% | 374 |
| Retained earnings to average equity (ytd only) | 16.5980% | 127 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4716% | 4,959 |
| Assets per employee ($millions) | 8.7814% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 3,593 |
| 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 | 64.0508% | 3,062 |
| Net loans and leases to deposits | 99.1239% | 616 |
| Net loans and leases to core deposits | 104.1835% | 1,180 |
| Total domestic deposits to total assets | 64.6169% | 4,984 |
| Equity capital to assets | 11.9831% | 2,084 |
| Core capital (leverage) ratio | 12.5705% | 1,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,042,500 | 4,532 |
| Average earning assets | $59,230,000 | 4,498 |
| Average equity | $7,278,000 | 4,577 |
| Average total loans | $39,423,000 | 4,388 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3734% | 3,322 |
| Cost of funding earning assets | 1.0582% | 1,487 |
| Net interest margin | 3.3151% | 3,958 |
| Noninterest income to average assets | 0.4611% | 2,946 |
| Noninterest expense to average assets | 2.1080% | 4,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4608% | 1,156 |
| Return on assets (ROA) | 1.4188% | 1,355 |
| Pretax return on assets | 1.4771% | 1,877 |
| Return on Equity (ROE) | 12.6183% | 1,294 |
| Retained earnings to average equity (ytd only) | 5.1365% | 2,350 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0918% | 3,948 |
| Assets per employee ($millions) | 8.9450% | 512 |
| Cash dividends to net income (ytd only)* | 59.2930% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0392% | 3,278 |
| Loan loss allowance to noncurrent loans | 845.8333% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 4,257 |
| Noncurrent loans to loans | 0.1229% | 4,035 |
| Net loans and leases to total assets | 61.7456% | 3,426 |
| Net loans and leases to deposits | 101.6939% | 491 |
| Net loans and leases to core deposits | 107.6996% | 994 |
| Total domestic deposits to total assets | 60.7171% | 5,081 |
| Equity capital to assets | 11.4829% | 2,543 |
| Core capital (leverage) ratio | 11.7184% | 1,946 |
| Tier 1 risk-based capital ratio | 17.4707% | 1,903 |
| Total risk-based capital ratio | 18.4134% | 1,939 |
| Memoranda: | ||
| Average total assets | $61,812,000 | 4,568 |
| Average earning assets | $59,062,200 | 4,536 |
| Average equity | $6,950,200 | 4,648 |
| Average total loans | $37,195,800 | 4,473 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 3,241 |
| Cost of funding earning assets | 1.0776% | 1,435 |
| Net interest margin | 3.3618% | 3,959 |
| Noninterest income to average assets | 0.4220% | 3,195 |
| Noninterest expense to average assets | 2.0299% | 4,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5495% | 1,063 |
| Return on assets (ROA) | 1.5495% | 1,113 |
| Pretax return on assets | 1.6057% | 1,615 |
| Return on Equity (ROE) | 13.8549% | 1,011 |
| Retained earnings to average equity (ytd only) | 4.7602% | 3,020 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8333% | 4,183 |
| Assets per employee ($millions) | 9.1733% | 451 |
| Cash dividends to net income (ytd only)* | 65.6425% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 3,429 |
| Loan loss allowance to noncurrent loans | 845.8333% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 4,344 |
| Noncurrent loans to loans | 0.1212% | 4,108 |
| Net loans and leases to total assets | 61.0468% | 3,584 |
| Net loans and leases to deposits | 97.9486% | 823 |
| Net loans and leases to core deposits | 103.0738% | 1,404 |
| Total domestic deposits to total assets | 62.3254% | 5,147 |
| Equity capital to assets | 11.1161% | 2,995 |
| Core capital (leverage) ratio | 11.8327% | 1,973 |
| Tier 1 risk-based capital ratio | 16.8084% | 2,148 |
| Total risk-based capital ratio | 17.7288% | 2,212 |
| Memoranda: | ||
| Average total assets | $61,611,250 | 4,631 |
| Average earning assets | $58,896,000 | 4,594 |
| Average equity | $6,890,250 | 4,712 |
| Average total loans | $36,727,750 | 4,542 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4348% | 3,228 |
| Cost of funding earning assets | 1.0631% | 1,437 |
| Net interest margin | 3.3717% | 3,984 |
| Noninterest income to average assets | 0.3918% | 3,329 |
| Noninterest expense to average assets | 2.0710% | 4,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5211% | 1,092 |
| Return on assets (ROA) | 1.5211% | 1,137 |
| Pretax return on assets | 1.5475% | 1,709 |
| Return on Equity (ROE) | 13.5729% | 1,080 |
| Retained earnings to average equity (ytd only) | -0.2350% | 4,722 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2338% | 4,102 |
| Assets per employee ($millions) | 8.7769% | 514 |
| Cash dividends to net income (ytd only)* | 101.7316% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 3,305 |
| Loan loss allowance to noncurrent loans | 845.8333% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 4,371 |
| Noncurrent loans to loans | 0.1248% | 4,116 |
| Net loans and leases to total assets | 61.9324% | 3,549 |
| Net loans and leases to deposits | 93.4683% | 1,317 |
| Net loans and leases to core deposits | 104.0243% | 1,388 |
| Total domestic deposits to total assets | 66.2603% | 5,147 |
| Equity capital to assets | 11.2015% | 2,853 |
| Core capital (leverage) ratio | 11.7954% | 1,949 |
| Tier 1 risk-based capital ratio | 16.7521% | 2,162 |
| Total risk-based capital ratio | 17.7021% | 2,203 |
| Memoranda: | ||
| Average total assets | $60,744,000 | 4,682 |
| Average earning assets | $58,131,000 | 4,641 |
| Average equity | $6,807,670 | 4,749 |
| Average total loans | $35,768,330 | 4,596 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3833% | 3,293 |
| Cost of funding earning assets | 1.0456% | 1,392 |
| Net interest margin | 3.3377% | 4,065 |
| Noninterest income to average assets | 0.4835% | 2,659 |
| Noninterest expense to average assets | 2.0796% | 4,496 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5961% | 905 |
| Return on assets (ROA) | 1.5961% | 932 |
| Pretax return on assets | 1.5961% | 1,484 |
| Return on Equity (ROE) | 14.2382% | 917 |
| Retained earnings to average equity (ytd only) | 14.2382% | 336 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5766% | 4,263 |
| Assets per employee ($millions) | 8.3726% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 2,703 |
| 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 | 58.1747% | 3,868 |
| Net loans and leases to deposits | 87.1549% | 1,979 |
| Net loans and leases to core deposits | 97.4449% | 1,822 |
| Total domestic deposits to total assets | 66.7486% | 5,200 |
| Equity capital to assets | 11.8892% | 2,095 |
| Core capital (leverage) ratio | 12.0783% | 1,728 |
| Tier 1 risk-based capital ratio | 18.7725% | 1,592 |
| Total risk-based capital ratio | 19.8013% | 1,605 |
| Memoranda: | ||
| Average total assets | $60,397,000 | 4,739 |
| Average earning assets | $57,765,000 | 4,699 |
| Average equity | $6,770,500 | 4,791 |
| Average total loans | $34,424,500 | 4,693 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0372% | 3,921 |
| Cost of funding earning assets | 0.7760% | 1,656 |
| Net interest margin | 3.2611% | 4,357 |
| Noninterest income to average assets | 0.3656% | 3,651 |
| Noninterest expense to average assets | 2.0482% | 4,662 |
| Loan and lease loss provision to assets | -0.3339% | 5,368 |
| Net operating income to assets | 1.6765% | 724 |
| Return on assets (ROA) | 1.6509% | 770 |
| Pretax return on assets | 1.7110% | 1,140 |
| Return on Equity (ROE) | 14.8932% | 858 |
| Retained earnings to average equity (ytd only) | 2.8461% | 3,977 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3327% | 3,968 |
| Assets per employee ($millions) | 8.8837% | 491 |
| Cash dividends to net income (ytd only)* | 80.8898% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 2,663 |
| 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 | 54.5814% | 4,241 |
| Net loans and leases to deposits | 84.4896% | 2,458 |
| Net loans and leases to core deposits | 94.1735% | 2,212 |
| Total domestic deposits to total assets | 64.6014% | 5,269 |
| Equity capital to assets | 10.5699% | 3,108 |
| Core capital (leverage) ratio | 11.6770% | 1,972 |
| Tier 1 risk-based capital ratio | 17.4579% | 1,907 |
| Total risk-based capital ratio | 18.4469% | 1,944 |
| Memoranda: | ||
| Average total assets | $59,907,000 | 4,764 |
| Average earning assets | $56,697,800 | 4,734 |
| Average equity | $6,640,600 | 4,802 |
| Average total loans | $31,726,000 | 4,778 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1313% | 3,528 |
| Cost of funding earning assets | 0.7282% | 1,697 |
| Net interest margin | 3.4031% | 3,998 |
| Noninterest income to average assets | 0.3595% | 3,730 |
| Noninterest expense to average assets | 2.1054% | 4,537 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4038% | 1,476 |
| Return on assets (ROA) | 1.3370% | 1,725 |
| Pretax return on assets | 1.3976% | 2,238 |
| Return on Equity (ROE) | 11.9160% | 1,817 |
| Retained earnings to average equity (ytd only) | 11.9160% | 489 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9308% | 3,971 |
| Assets per employee ($millions) | 8.7543% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9002% | 595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 51.0542% | 4,527 |
| Net loans and leases to deposits | 86.5737% | 2,309 |
| Net loans and leases to core deposits | 92.3626% | 2,441 |
| Total domestic deposits to total assets | 58.9719% | 5,401 |
| Equity capital to assets | 10.9138% | 2,740 |
| Core capital (leverage) ratio | 12.5925% | 1,459 |
| Tier 1 risk-based capital ratio | 19.0371% | 1,527 |
| Total risk-based capital ratio | 20.2891% | 1,500 |
| Memoranda: | ||
| Average total assets | $59,337,250 | 4,828 |
| Average earning assets | $56,026,500 | 4,804 |
| Average equity | $6,657,500 | 4,852 |
| Average total loans | $31,070,500 | 4,843 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1175% | 3,388 |
| Cost of funding earning assets | 0.6653% | 1,838 |
| Net interest margin | 3.4522% | 3,792 |
| Noninterest income to average assets | 0.3544% | 3,793 |
| Noninterest expense to average assets | 2.2184% | 4,326 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3767% | 1,514 |
| Return on assets (ROA) | 1.2063% | 2,169 |
| Pretax return on assets | 1.2336% | 2,799 |
| Return on Equity (ROE) | 10.6509% | 2,257 |
| Retained earnings to average equity (ytd only) | 10.6509% | 750 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1842% | 3,743 |
| Assets per employee ($millions) | 8.4169% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9895% | 528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 50.6704% | 4,568 |
| Net loans and leases to deposits | 82.1971% | 2,749 |
| Net loans and leases to core deposits | 87.6641% | 2,750 |
| Total domestic deposits to total assets | 61.6450% | 5,441 |
| Equity capital to assets | 11.2750% | 2,384 |
| Core capital (leverage) ratio | 12.3776% | 1,501 |
| Tier 1 risk-based capital ratio | 19.3472% | 1,467 |
| Total risk-based capital ratio | 20.6006% | 1,426 |
| Memoranda: | ||
| Average total assets | $58,689,670 | 4,895 |
| Average earning assets | $55,616,670 | 4,866 |
| Average equity | $6,647,330 | 4,901 |
| Average total loans | $30,796,670 | 4,906 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1710% | 2,981 |
| Cost of funding earning assets | 0.6533% | 1,704 |
| Net interest margin | 3.5177% | 3,471 |
| Noninterest income to average assets | 0.3483% | 3,813 |
| Noninterest expense to average assets | 1.9940% | 4,858 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7004% | 689 |
| Return on assets (ROA) | 1.3521% | 1,485 |
| Pretax return on assets | 1.3521% | 2,178 |
| Return on Equity (ROE) | 11.9107% | 1,612 |
| Retained earnings to average equity (ytd only) | 11.9107% | 696 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9741% | 4,802 |
| Assets per employee ($millions) | 8.4803% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9268% | 631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 51.9609% | 4,441 |
| Net loans and leases to deposits | 82.6191% | 2,536 |
| Net loans and leases to core deposits | 87.2708% | 2,695 |
| Total domestic deposits to total assets | 62.8921% | 5,498 |
| Equity capital to assets | 11.1755% | 2,405 |
| Core capital (leverage) ratio | 12.0702% | 1,610 |
| Tier 1 risk-based capital ratio | 18.8822% | 1,576 |
| Total risk-based capital ratio | 20.1347% | 1,541 |
| Memoranda: | ||
| Average total assets | $58,575,500 | 4,955 |
| Average earning assets | $55,718,500 | 4,917 |
| Average equity | $6,649,500 | 4,952 |
| Average total loans | $30,965,000 | 4,950 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2008% | 2,684 |
| Cost of funding earning assets | 0.4795% | 2,506 |
| Net interest margin | 3.7213% | 2,716 |
| Noninterest income to average assets | 0.3002% | 4,306 |
| Noninterest expense to average assets | 2.3579% | 4,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4435% | 917 |
| Return on assets (ROA) | 1.4887% | 845 |
| Pretax return on assets | 1.5516% | 1,448 |
| Return on Equity (ROE) | 12.1993% | 1,154 |
| Retained earnings to average equity (ytd only) | -0.9010% | 5,173 |
| Net charge-offs to loans | -0.3432% | 5,578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0484% | 4,107 |
| Assets per employee ($millions) | 8.2556% | 586 |
| Cash dividends to net income (ytd only)* | 107.3857% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9883% | 550 |
| 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 | 51.6932% | 4,538 |
| Net loans and leases to deposits | 83.1955% | 2,582 |
| Net loans and leases to core deposits | 88.0768% | 2,712 |
| Total domestic deposits to total assets | 62.1347% | 5,569 |
| Equity capital to assets | 11.5333% | 2,176 |
| Core capital (leverage) ratio | 11.8422% | 1,698 |
| Tier 1 risk-based capital ratio | 18.8132% | 1,554 |
| Total risk-based capital ratio | 20.0669% | 1,514 |
| Memoranda: | ||
| Average total assets | $57,296,400 | 5,025 |
| Average earning assets | $54,846,600 | 4,978 |
| Average equity | $6,992,200 | 4,938 |
| Average total loans | $28,260,600 | 5,064 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 3,444 |
| Cost of funding earning assets | 0.4555% | 2,661 |
| Net interest margin | 3.5195% | 3,432 |
| Noninterest income to average assets | 0.2659% | 4,609 |
| Noninterest expense to average assets | 2.1758% | 4,580 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4048% | 1,073 |
| Return on assets (ROA) | 1.5951% | 745 |
| Pretax return on assets | 1.6581% | 1,221 |
| Return on Equity (ROE) | 12.8920% | 1,084 |
| Retained earnings to average equity (ytd only) | 12.8920% | 232 |
| Net charge-offs to loans | -0.0096% | 4,629 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8461% | 4,249 |
| Assets per employee ($millions) | 8.3017% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7587% | 925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 49.1207% | 4,763 |
| Net loans and leases to deposits | 80.7519% | 2,895 |
| Net loans and leases to core deposits | 81.3851% | 3,342 |
| Total domestic deposits to total assets | 60.8291% | 5,651 |
| Equity capital to assets | 12.8700% | 1,457 |
| Core capital (leverage) ratio | 13.2423% | 1,119 |
| Tier 1 risk-based capital ratio | 21.3971% | 1,128 |
| Total risk-based capital ratio | 22.6491% | 1,109 |
| Memoranda: | ||
| Average total assets | $57,173,250 | 5,076 |
| Average earning assets | $54,741,750 | 5,035 |
| Average equity | $7,074,000 | 4,982 |
| Average total loans | $27,706,000 | 5,129 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0589% | 2,978 |
| Cost of funding earning assets | 0.4253% | 2,846 |
| Net interest margin | 3.6336% | 2,896 |
| Noninterest income to average assets | 0.2638% | 4,650 |
| Noninterest expense to average assets | 2.4129% | 4,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2822% | 1,348 |
| Return on assets (ROA) | 1.4105% | 1,070 |
| Pretax return on assets | 1.4703% | 1,758 |
| Return on Equity (ROE) | 11.5579% | 1,442 |
| Retained earnings to average equity (ytd only) | 11.5579% | 363 |
| Net charge-offs to loans | -0.0147% | 4,657 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3527% | 3,618 |
| Assets per employee ($millions) | 8.3360% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8088% | 874 |
| 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 | 47.5391% | 4,850 |
| Net loans and leases to deposits | 73.0692% | 3,639 |
| Net loans and leases to core deposits | 77.6009% | 3,632 |
| Total domestic deposits to total assets | 65.0603% | 5,651 |
| Equity capital to assets | 12.3578% | 1,699 |
| Core capital (leverage) ratio | 12.8565% | 1,239 |
| Tier 1 risk-based capital ratio | 20.9686% | 1,189 |
| Total risk-based capital ratio | 22.2194% | 1,161 |
| Memoranda: | ||
| Average total assets | $56,860,330 | 5,120 |
| Average earning assets | $54,546,330 | 5,075 |
| Average equity | $6,939,000 | 5,034 |
| Average total loans | $27,256,000 | 5,184 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 2,506 |
| Cost of funding earning assets | 0.4090% | 2,910 |
| Net interest margin | 3.7329% | 2,373 |
| Noninterest income to average assets | 0.2637% | 4,654 |
| Noninterest expense to average assets | 2.1028% | 4,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7393% | 513 |
| Return on assets (ROA) | 2.2811% | 201 |
| Pretax return on assets | 2.2811% | 312 |
| Return on Equity (ROE) | 18.8152% | 293 |
| Retained earnings to average equity (ytd only) | 18.8152% | 127 |
| Net charge-offs to loans | -0.0149% | 4,590 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7310% | 5,068 |
| Assets per employee ($millions) | 8.0970% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 882 |
| 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 | 47.8872% | 4,834 |
| Net loans and leases to deposits | 70.9539% | 3,697 |
| Net loans and leases to core deposits | 75.3191% | 3,712 |
| Total domestic deposits to total assets | 67.4906% | 5,685 |
| Equity capital to assets | 12.2515% | 1,685 |
| Core capital (leverage) ratio | 12.8781% | 1,193 |
| Tier 1 risk-based capital ratio | 20.8555% | 1,238 |
| Total risk-based capital ratio | 22.1076% | 1,215 |
| Memoranda: | ||
| Average total assets | $56,114,500 | 5,193 |
| Average earning assets | $53,791,500 | 5,143 |
| Average equity | $6,803,000 | 5,100 |
| Average total loans | $26,758,500 | 5,245 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7300% | 4,125 |
| Cost of funding earning assets | 0.3532% | 3,485 |
| Net interest margin | 3.3769% | 3,904 |
| Noninterest income to average assets | 0.3270% | 4,402 |
| Noninterest expense to average assets | 1.9528% | 5,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5309% | 783 |
| Return on assets (ROA) | 1.5119% | 838 |
| Pretax return on assets | 1.6038% | 1,265 |
| Return on Equity (ROE) | 11.0553% | 1,561 |
| Retained earnings to average equity (ytd only) | 0.0403% | 5,292 |
| Net charge-offs to loans | -0.2313% | 5,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5968% | 5,189 |
| Assets per employee ($millions) | 9.2583% | 395 |
| Cash dividends to net income (ytd only)* | 99.6355% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9679% | 700 |
| 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 | 45.6454% | 5,036 |
| Net loans and leases to deposits | 68.2696% | 4,065 |
| Net loans and leases to core deposits | 72.6034% | 4,045 |
| Total domestic deposits to total assets | 66.8605% | 5,741 |
| Equity capital to assets | 11.9928% | 1,813 |
| Core capital (leverage) ratio | 12.6584% | 1,269 |
| Tier 1 risk-based capital ratio | 20.9354% | 1,222 |
| Total risk-based capital ratio | 22.1872% | 1,200 |
| Memoranda: | ||
| Average total assets | $54,433,800 | 5,258 |
| Average earning assets | $52,385,400 | 5,199 |
| Average equity | $7,444,400 | 5,015 |
| Average total loans | $25,506,400 | 5,330 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9276% | 3,503 |
| Cost of funding earning assets | 0.3450% | 3,592 |
| Net interest margin | 3.5826% | 3,151 |
| Noninterest income to average assets | 0.2856% | 4,725 |
| Noninterest expense to average assets | 1.9499% | 5,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6873% | 607 |
| Return on assets (ROA) | 1.6619% | 684 |
| Pretax return on assets | 1.7603% | 979 |
| Return on Equity (ROE) | 11.7798% | 1,394 |
| Retained earnings to average equity (ytd only) | 11.7798% | 333 |
| Net charge-offs to loans | -0.3042% | 5,840 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1739% | 5,373 |
| Assets per employee ($millions) | 9.1270% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0254% | 695 |
| Loan loss allowance to noncurrent loans | 10,160.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 5,490 |
| Noncurrent loans to loans | 0.0199% | 5,312 |
| Net loans and leases to total assets | 44.8742% | 5,151 |
| Net loans and leases to deposits | 68.4799% | 4,105 |
| Net loans and leases to core deposits | 74.0895% | 3,994 |
| Total domestic deposits to total assets | 65.5290% | 5,828 |
| Equity capital to assets | 14.5265% | 866 |
| Core capital (leverage) ratio | 13.9126% | 876 |
| Tier 1 risk-based capital ratio | 23.6292% | 933 |
| Total risk-based capital ratio | 24.8821% | 919 |
| Memoranda: | ||
| Average total assets | $54,154,750 | 5,310 |
| Average earning assets | $52,176,750 | 5,253 |
| Average equity | $7,640,000 | 5,041 |
| Average total loans | $25,416,750 | 5,388 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1181% | 2,790 |
| Cost of funding earning assets | 0.3345% | 3,749 |
| Net interest margin | 3.7836% | 2,389 |
| Noninterest income to average assets | 0.2817% | 4,771 |
| Noninterest expense to average assets | 1.9610% | 5,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8585% | 432 |
| Return on assets (ROA) | 1.8201% | 487 |
| Pretax return on assets | 1.9276% | 660 |
| Return on Equity (ROE) | 13.0325% | 1,020 |
| Retained earnings to average equity (ytd only) | 13.0325% | 234 |
| Net charge-offs to loans | -0.0235% | 5,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9057% | 5,566 |
| Assets per employee ($millions) | 9.0142% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7879% | 1,098 |
| 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 | 46.0091% | 5,124 |
| Net loans and leases to deposits | 75.3558% | 3,449 |
| Net loans and leases to core deposits | 75.9886% | 3,825 |
| Total domestic deposits to total assets | 61.0557% | 5,962 |
| Equity capital to assets | 14.6196% | 840 |
| Core capital (leverage) ratio | 13.8002% | 877 |
| Tier 1 risk-based capital ratio | 22.8748% | 1,025 |
| Total risk-based capital ratio | 24.1235% | 1,007 |
| Memoranda: | ||
| Average total assets | $53,952,330 | 5,373 |
| Average earning assets | $52,014,330 | 5,315 |
| Average equity | $7,535,000 | 5,101 |
| Average total loans | $25,528,330 | 5,442 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2509% | 2,296 |
| Cost of funding earning assets | 0.3234% | 3,910 |
| Net interest margin | 3.9275% | 1,853 |
| Noninterest income to average assets | 0.2747% | 4,761 |
| Noninterest expense to average assets | 1.9226% | 5,493 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.0706% | 296 |
| Return on assets (ROA) | 2.0562% | 313 |
| Pretax return on assets | 2.1230% | 439 |
| Return on Equity (ROE) | 15.0769% | 660 |
| Retained earnings to average equity (ytd only) | 15.0769% | 242 |
| Net charge-offs to loans | -0.0156% | 4,737 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3492% | 5,755 |
| Assets per employee ($millions) | 10.8914% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7825% | 1,189 |
| 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 | 45.6323% | 5,146 |
| Net loans and leases to deposits | 73.2412% | 3,523 |
| Net loans and leases to core deposits | 73.8397% | 3,915 |
| Total domestic deposits to total assets | 62.3042% | 6,018 |
| Equity capital to assets | 13.7687% | 1,066 |
| Core capital (leverage) ratio | 13.6668% | 925 |
| Tier 1 risk-based capital ratio | 21.9808% | 1,160 |
| Total risk-based capital ratio | 23.2309% | 1,139 |
| Memoranda: | ||
| Average total assets | $53,886,000 | 5,426 |
| Average earning assets | $51,941,500 | 5,363 |
| Average equity | $7,349,000 | 5,164 |
| Average total loans | $25,624,000 | 5,495 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8127% | 4,009 |
| Cost of funding earning assets | 0.2786% | 4,499 |
| Net interest margin | 3.5341% | 3,400 |
| Noninterest income to average assets | 0.3493% | 4,406 |
| Noninterest expense to average assets | 1.9825% | 5,492 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.7170% | 558 |
| Return on assets (ROA) | 1.7074% | 589 |
| Pretax return on assets | 1.7484% | 897 |
| Return on Equity (ROE) | 11.8702% | 1,337 |
| Retained earnings to average equity (ytd only) | 0.0678% | 5,478 |
| Net charge-offs to loans | -0.0532% | 5,573 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9995% | 5,585 |
| Assets per employee ($millions) | 10.6630% | 219 |
| Cash dividends to net income (ytd only)* | 99.4286% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7343% | 1,279 |
| 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 | 47.8233% | 5,025 |
| Net loans and leases to deposits | 76.7820% | 3,173 |
| Net loans and leases to core deposits | 77.4232% | 3,614 |
| Total domestic deposits to total assets | 62.2845% | 6,068 |
| Equity capital to assets | 13.5046% | 1,124 |
| Core capital (leverage) ratio | 13.1492% | 1,097 |
| Tier 1 risk-based capital ratio | 21.3921% | 1,233 |
| Total risk-based capital ratio | 22.6413% | 1,216 |
| Memoranda: | ||
| Average total assets | $51,247,200 | 5,519 |
| Average earning assets | $49,178,000 | 5,457 |
| Average equity | $7,371,400 | 5,174 |
| Average total loans | $24,456,000 | 5,573 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0664% | 3,077 |
| Cost of funding earning assets | 0.2715% | 4,648 |
| Net interest margin | 3.7949% | 2,407 |
| Noninterest income to average assets | 0.2996% | 4,791 |
| Noninterest expense to average assets | 2.2103% | 5,029 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6924% | 637 |
| Return on assets (ROA) | 1.6847% | 668 |
| Pretax return on assets | 1.7189% | 1,056 |
| Return on Equity (ROE) | 11.5271% | 1,516 |
| Retained earnings to average equity (ytd only) | 11.5271% | 413 |
| Net charge-offs to loans | -0.0664% | 5,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1415% | 5,335 |
| Assets per employee ($millions) | 10.6458% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7434% | 1,377 |
| Loan loss allowance to noncurrent loans | 79.3286% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 1.0633% | 2,237 |
| Noncurrent loans to loans | 2.1976% | 999 |
| Net loans and leases to total assets | 47.5418% | 5,115 |
| Net loans and leases to deposits | 78.0857% | 3,091 |
| Net loans and leases to core deposits | 78.7539% | 3,536 |
| Total domestic deposits to total assets | 60.8841% | 6,169 |
| Equity capital to assets | 14.8246% | 778 |
| Core capital (leverage) ratio | 14.5642% | 722 |
| Tier 1 risk-based capital ratio | 23.5527% | 993 |
| Total risk-based capital ratio | 24.8020% | 981 |
| Memoranda: | ||
| Average total assets | $50,730,250 | 5,597 |
| Average earning assets | $48,625,000 | 5,538 |
| Average equity | $7,414,250 | 5,232 |
| Average total loans | $24,083,250 | 5,655 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 3,244 |
| Cost of funding earning assets | 0.2635% | 4,795 |
| Net interest margin | 3.7469% | 2,522 |
| Noninterest income to average assets | 0.3006% | 4,804 |
| Noninterest expense to average assets | 2.1524% | 5,218 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7199% | 607 |
| Return on assets (ROA) | 1.7516% | 596 |
| Pretax return on assets | 1.7716% | 937 |
| Return on Equity (ROE) | 12.0463% | 1,357 |
| Retained earnings to average equity (ytd only) | 12.0463% | 394 |
| Net charge-offs to loans | -0.0850% | 5,728 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3038% | 5,492 |
| Assets per employee ($millions) | 8.4027% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8674% | 1,231 |
| 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 | 46.5924% | 5,207 |
| Net loans and leases to deposits | 74.1430% | 3,476 |
| Net loans and leases to core deposits | 74.7328% | 3,885 |
| Total domestic deposits to total assets | 62.8412% | 6,217 |
| Equity capital to assets | 14.8167% | 738 |
| Core capital (leverage) ratio | 15.0967% | 597 |
| Tier 1 risk-based capital ratio | 24.6592% | 893 |
| Total risk-based capital ratio | 25.9103% | 881 |
| Memoranda: | ||
| Average total assets | $49,897,330 | 5,671 |
| Average earning assets | $47,825,670 | 5,612 |
| Average equity | $7,255,330 | 5,304 |
| Average total loans | $23,526,000 | 5,725 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1008% | 2,824 |
| Cost of funding earning assets | 0.2521% | 4,999 |
| Net interest margin | 3.8487% | 2,072 |
| Noninterest income to average assets | 0.2820% | 4,923 |
| Noninterest expense to average assets | 2.1677% | 5,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8051% | 479 |
| Return on assets (ROA) | 1.8695% | 453 |
| Pretax return on assets | 1.8695% | 758 |
| Return on Equity (ROE) | 12.9827% | 1,094 |
| Retained earnings to average equity (ytd only) | 12.9827% | 447 |
| Net charge-offs to loans | -0.1544% | 5,989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5639% | 5,632 |
| Assets per employee ($millions) | 8.2568% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8814% | 1,322 |
| 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 | 46.9510% | 5,125 |
| Net loans and leases to deposits | 71.2950% | 3,615 |
| Net loans and leases to core deposits | 71.9011% | 3,976 |
| Total domestic deposits to total assets | 65.8545% | 6,243 |
| Equity capital to assets | 14.6626% | 787 |
| Core capital (leverage) ratio | 14.3924% | 720 |
| Tier 1 risk-based capital ratio | 24.4127% | 947 |
| Total risk-based capital ratio | 25.6629% | 926 |
| Memoranda: | ||
| Average total assets | $49,638,000 | 5,728 |
| Average earning assets | $47,600,000 | 5,670 |
| Average equity | $7,148,000 | 5,375 |
| Average total loans | $23,320,500 | 5,781 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3041% | 2,593 |
| Cost of funding earning assets | 0.2553% | 5,270 |
| Net interest margin | 4.0488% | 1,741 |
| Noninterest income to average assets | 0.3421% | 4,653 |
| Noninterest expense to average assets | 2.2072% | 5,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.9186% | 382 |
| Return on assets (ROA) | 1.7992% | 489 |
| Pretax return on assets | 1.8981% | 647 |
| Return on Equity (ROE) | 12.0046% | 1,409 |
| Retained earnings to average equity (ytd only) | 0.0413% | 5,748 |
| Net charge-offs to loans | -0.0092% | 5,541 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1676% | 5,969 |
| Assets per employee ($millions) | 8.2892% | 481 |
| Cash dividends to net income (ytd only)* | 99.6564% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9054% | 1,303 |
| 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 | 45.2357% | 5,389 |
| Net loans and leases to deposits | 72.5157% | 3,619 |
| Net loans and leases to core deposits | 73.1642% | 4,008 |
| Total domestic deposits to total assets | 62.3806% | 6,381 |
| Equity capital to assets | 14.1389% | 914 |
| Core capital (leverage) ratio | 14.0778% | 796 |
| Tier 1 risk-based capital ratio | 24.0205% | 953 |
| Total risk-based capital ratio | 25.2741% | 931 |
| Memoranda: | ||
| Average total assets | $48,522,600 | 5,820 |
| Average earning assets | $46,606,800 | 5,762 |
| Average equity | $7,272,200 | 5,355 |
| Average total loans | $21,849,600 | 5,887 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2079% | 2,961 |
| Cost of funding earning assets | 0.2502% | 5,407 |
| Net interest margin | 3.9577% | 2,005 |
| Noninterest income to average assets | 0.3235% | 4,843 |
| Noninterest expense to average assets | 2.3420% | 4,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6794% | 639 |
| Return on assets (ROA) | 1.6093% | 768 |
| Pretax return on assets | 1.7116% | 1,040 |
| Return on Equity (ROE) | 10.5831% | 1,953 |
| Retained earnings to average equity (ytd only) | 10.5831% | 574 |
| Net charge-offs to loans | -0.0124% | 5,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7314% | 5,586 |
| Assets per employee ($millions) | 8.1660% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9678% | 1,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 5,681 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 44.4322% | 5,494 |
| Net loans and leases to deposits | 70.7691% | 3,824 |
| Net loans and leases to core deposits | 71.4075% | 4,216 |
| Total domestic deposits to total assets | 62.7847% | 6,451 |
| Equity capital to assets | 15.5339% | 629 |
| Core capital (leverage) ratio | 15.4397% | 551 |
| Tier 1 risk-based capital ratio | 26.4372% | 751 |
| Total risk-based capital ratio | 27.6911% | 734 |
| Memoranda: | ||
| Average total assets | $48,219,500 | 5,898 |
| Average earning assets | $46,356,000 | 5,831 |
| Average equity | $7,332,250 | 5,378 |
| Average total loans | $21,578,250 | 5,966 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2575% | 2,750 |
| Cost of funding earning assets | 0.2471% | 5,515 |
| Net interest margin | 4.0104% | 1,777 |
| Noninterest income to average assets | 0.3253% | 4,809 |
| Noninterest expense to average assets | 2.3394% | 5,062 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7306% | 543 |
| Return on assets (ROA) | 1.7306% | 576 |
| Pretax return on assets | 1.8432% | 771 |
| Return on Equity (ROE) | 11.4651% | 1,582 |
| Retained earnings to average equity (ytd only) | 11.4651% | 482 |
| Net charge-offs to loans | -0.0094% | 5,307 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9322% | 5,753 |
| Assets per employee ($millions) | 8.0543% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9978% | 1,365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 5,784 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 44.2577% | 5,518 |
| Net loans and leases to deposits | 67.0659% | 4,155 |
| Net loans and leases to core deposits | 67.6493% | 4,498 |
| Total domestic deposits to total assets | 65.9914% | 6,481 |
| Equity capital to assets | 15.4037% | 627 |
| Core capital (leverage) ratio | 15.5797% | 533 |
| Tier 1 risk-based capital ratio | 26.5241% | 733 |
| Total risk-based capital ratio | 27.7784% | 717 |
| Memoranda: | ||
| Average total assets | $47,960,670 | 5,951 |
| Average earning assets | $46,130,000 | 5,886 |
| Average equity | $7,239,330 | 5,429 |
| Average total loans | $21,368,670 | 6,020 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3286% | 2,418 |
| Cost of funding earning assets | 0.2526% | 5,555 |
| Net interest margin | 4.0760% | 1,530 |
| Noninterest income to average assets | 0.3098% | 4,885 |
| Noninterest expense to average assets | 2.3693% | 5,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8084% | 477 |
| Return on assets (ROA) | 1.8084% | 498 |
| Pretax return on assets | 1.8586% | 715 |
| Return on Equity (ROE) | 12.1059% | 1,384 |
| Retained earnings to average equity (ytd only) | 12.1059% | 591 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0396% | 5,836 |
| Assets per employee ($millions) | 7.9692% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1542% | 1,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 5,869 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 41.3218% | 5,722 |
| Net loans and leases to deposits | 62.4779% | 4,492 |
| Net loans and leases to core deposits | 63.0259% | 4,785 |
| Total domestic deposits to total assets | 66.1382% | 6,555 |
| Equity capital to assets | 15.1521% | 645 |
| Core capital (leverage) ratio | 15.3385% | 562 |
| Tier 1 risk-based capital ratio | 26.6654% | 734 |
| Total risk-based capital ratio | 27.9205% | 720 |
| Memoranda: | ||
| Average total assets | $47,778,000 | 6,011 |
| Average earning assets | $45,927,000 | 5,941 |
| Average equity | $7,137,000 | 5,484 |
| Average total loans | $21,141,000 | 6,088 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3149% | 2,899 |
| Cost of funding earning assets | 0.2840% | 5,726 |
| Net interest margin | 4.0309% | 1,868 |
| Noninterest income to average assets | 0.3149% | 5,093 |
| Noninterest expense to average assets | 2.3116% | 5,344 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.8710% | 423 |
| Return on assets (ROA) | 1.9792% | 352 |
| Pretax return on assets | 1.9923% | 493 |
| Return on Equity (ROE) | 12.4010% | 1,307 |
| Retained earnings to average equity (ytd only) | 0.0685% | 5,823 |
| Net charge-offs to loans | -0.0189% | 6,129 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1095% | 6,038 |
| Assets per employee ($millions) | 7.9568% | 481 |
| Cash dividends to net income (ytd only)* | 99.4475% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9693% | 1,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 5,945 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 45.3572% | 5,545 |
| Net loans and leases to deposits | 70.4814% | 3,722 |
| Net loans and leases to core deposits | 70.4814% | 4,247 |
| Total domestic deposits to total assets | 64.3535% | 6,659 |
| Equity capital to assets | 14.7232% | 731 |
| Core capital (leverage) ratio | 14.6352% | 658 |
| Tier 1 risk-based capital ratio | 25.4039% | 820 |
| Total risk-based capital ratio | 26.6580% | 806 |
| Memoranda: | ||
| Average total assets | $45,725,200 | 6,128 |
| Average earning assets | $44,010,000 | 6,051 |
| Average equity | $7,297,800 | 5,498 |
| Average total loans | $21,201,800 | 6,142 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5074% | 2,205 |
| Cost of funding earning assets | 0.2909% | 5,803 |
| Net interest margin | 4.2165% | 1,284 |
| Noninterest income to average assets | 0.2742% | 5,482 |
| Noninterest expense to average assets | 2.4649% | 4,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8781% | 456 |
| Return on assets (ROA) | 1.9076% | 439 |
| Pretax return on assets | 1.8988% | 713 |
| Return on Equity (ROE) | 11.7128% | 1,577 |
| Retained earnings to average equity (ytd only) | 11.7128% | 469 |
| Net charge-offs to loans | -0.0191% | 6,030 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8707% | 5,813 |
| Assets per employee ($millions) | 7.8260% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0196% | 1,676 |
| Loan loss allowance to noncurrent loans | 735.5932% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.1256% | 6,053 |
| Noncurrent loans to loans | 0.2746% | 5,547 |
| Net loans and leases to total assets | 44.8399% | 5,643 |
| Net loans and leases to deposits | 68.5094% | 4,002 |
| Net loans and leases to core deposits | 68.5094% | 4,485 |
| Total domestic deposits to total assets | 65.4506% | 6,715 |
| Equity capital to assets | 16.3366% | 492 |
| Core capital (leverage) ratio | 16.5010% | 433 |
| Tier 1 risk-based capital ratio | 28.5040% | 593 |
| Total risk-based capital ratio | 29.7451% | 578 |
| Memoranda: | ||
| Average total assets | $45,221,250 | 6,211 |
| Average earning assets | $43,542,250 | 6,132 |
| Average equity | $7,365,000 | 5,545 |
| Average total loans | $20,980,000 | 6,216 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4209% | 2,487 |
| Cost of funding earning assets | 0.2882% | 5,918 |
| Net interest margin | 4.1327% | 1,455 |
| Noninterest income to average assets | 0.2822% | 5,429 |
| Noninterest expense to average assets | 2.4326% | 4,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8861% | 432 |
| Return on assets (ROA) | 1.9309% | 428 |
| Pretax return on assets | 1.8771% | 778 |
| Return on Equity (ROE) | 11.8684% | 1,532 |
| Retained earnings to average equity (ytd only) | 11.8684% | 521 |
| Net charge-offs to loans | -0.0192% | 5,958 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0378% | 5,847 |
| Assets per employee ($millions) | 7.4428% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0686% | 1,704 |
| 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 | 45.9032% | 5,544 |
| Net loans and leases to deposits | 69.7577% | 3,747 |
| Net loans and leases to core deposits | 69.7577% | 4,295 |
| Total domestic deposits to total assets | 65.8038% | 6,763 |
| Equity capital to assets | 16.6939% | 446 |
| Core capital (leverage) ratio | 16.8810% | 382 |
| Tier 1 risk-based capital ratio | 28.4836% | 603 |
| Total risk-based capital ratio | 29.7368% | 591 |
| Memoranda: | ||
| Average total assets | $44,643,000 | 6,270 |
| Average earning assets | $43,023,000 | 6,191 |
| Average equity | $7,263,000 | 5,609 |
| Average total loans | $20,810,330 | 6,262 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5096% | 2,134 |
| Cost of funding earning assets | 0.2975% | 5,980 |
| Net interest margin | 4.2120% | 1,159 |
| Noninterest income to average assets | 0.2868% | 5,409 |
| Noninterest expense to average assets | 2.1418% | 5,823 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.4733% | 162 |
| Return on assets (ROA) | 2.5630% | 157 |
| Pretax return on assets | 2.2941% | 357 |
| Return on Equity (ROE) | 15.9620% | 611 |
| Retained earnings to average equity (ytd only) | 15.9620% | 278 |
| Net charge-offs to loans | -0.0386% | 6,008 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2784% | 6,550 |
| Assets per employee ($millions) | 7.3063% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2043% | 1,575 |
| 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 | 43.8204% | 5,683 |
| Net loans and leases to deposits | 62.2650% | 4,505 |
| Net loans and leases to core deposits | 62.8250% | 4,870 |
| Total domestic deposits to total assets | 70.3773% | 6,743 |
| Equity capital to assets | 16.6750% | 469 |
| Core capital (leverage) ratio | 16.6739% | 386 |
| Tier 1 risk-based capital ratio | 29.4366% | 559 |
| Total risk-based capital ratio | 30.6930% | 554 |
| Memoranda: | ||
| Average total assets | $44,636,000 | 6,326 |
| Average earning assets | $43,019,500 | 6,244 |
| Average equity | $7,167,000 | 5,700 |
| Average total loans | $20,749,500 | 6,323 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4926% | 3,422 |
| Cost of funding earning assets | 0.4075% | 5,866 |
| Net interest margin | 4.0851% | 2,059 |
| Noninterest income to average assets | 0.3880% | 4,700 |
| Noninterest expense to average assets | 2.8749% | 3,737 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3605% | 1,177 |
| Return on assets (ROA) | 1.4001% | 1,212 |
| Pretax return on assets | 1.4912% | 1,701 |
| Return on Equity (ROE) | 8.9286% | 2,681 |
| Retained earnings to average equity (ytd only) | 0.2832% | 5,714 |
| Net charge-offs to loans | 0.0704% | 4,977 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 44.2857% | 735 |
| Efficiency ratio | 66.4865% | 4,414 |
| Assets per employee ($millions) | 7.5723% | 605 |
| Cash dividends to net income (ytd only)* | 96.8280% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9720% | 2,094 |
| 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 | 47.1563% | 5,495 |
| Net loans and leases to deposits | 71.0779% | 3,550 |
| Net loans and leases to core deposits | 71.7323% | 4,078 |
| Total domestic deposits to total assets | 66.3446% | 6,891 |
| Equity capital to assets | 15.4598% | 643 |
| Core capital (leverage) ratio | 15.8936% | 468 |
| Tier 1 risk-based capital ratio | 26.2354% | 752 |
| Total risk-based capital ratio | 27.4866% | 742 |
| Memoranda: | ||
| Average total assets | $42,784,000 | 6,402 |
| Average earning assets | $41,223,400 | 6,323 |
| Average equity | $6,708,800 | 5,845 |
| Average total loans | $19,875,200 | 6,432 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8534% | 2,182 |
| Cost of funding earning assets | 0.4338% | 5,909 |
| Net interest margin | 4.4197% | 1,163 |
| Noninterest income to average assets | 0.3482% | 5,034 |
| Noninterest expense to average assets | 2.8267% | 3,884 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.6837% | 707 |
| Return on assets (ROA) | 1.7378% | 709 |
| Pretax return on assets | 1.8359% | 974 |
| Return on Equity (ROE) | 11.0404% | 1,943 |
| Retained earnings to average equity (ytd only) | 11.0404% | 677 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3746% | 5,248 |
| Assets per employee ($millions) | 7.2055% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1979% | 1,709 |
| Loan loss allowance to noncurrent loans | 2,472.2222% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 6,660 |
| Noncurrent loans to loans | 0.0889% | 6,395 |
| Net loans and leases to total assets | 45.8030% | 5,782 |
| Net loans and leases to deposits | 67.2622% | 4,296 |
| Net loans and leases to core deposits | 67.8965% | 4,734 |
| Total domestic deposits to total assets | 68.0961% | 6,918 |
| Equity capital to assets | 16.0618% | 595 |
| Core capital (leverage) ratio | 16.3400% | 440 |
| Tier 1 risk-based capital ratio | 27.7183% | 686 |
| Total risk-based capital ratio | 28.9757% | 667 |
| Memoranda: | ||
| Average total assets | $42,121,500 | 6,499 |
| Average earning assets | $40,575,000 | 6,415 |
| Average equity | $6,630,000 | 5,926 |
| Average total loans | $19,380,000 | 6,539 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2452% | 4,778 |
| Cost of funding earning assets | 0.4518% | 5,963 |
| Net interest margin | 3.7934% | 3,389 |
| Noninterest income to average assets | 0.3641% | 4,920 |
| Noninterest expense to average assets | 2.9173% | 3,556 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0251% | 2,361 |
| Return on assets (ROA) | 1.0251% | 2,584 |
| Pretax return on assets | 1.1066% | 3,283 |
| Return on Equity (ROE) | 6.5591% | 4,020 |
| Retained earnings to average equity (ytd only) | 6.5591% | 2,353 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5000% | 3,343 |
| Assets per employee ($millions) | 7.0165% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2740% | 1,637 |
| Loan loss allowance to noncurrent loans | 517.4419% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 6,272 |
| Noncurrent loans to loans | 0.4395% | 5,656 |
| Net loans and leases to total assets | 45.4263% | 5,876 |
| Net loans and leases to deposits | 68.0473% | 4,187 |
| Net loans and leases to core deposits | 68.7197% | 4,703 |
| Total domestic deposits to total assets | 66.7569% | 7,030 |
| Equity capital to assets | 15.6987% | 641 |
| Core capital (leverage) ratio | 15.8801% | 473 |
| Tier 1 risk-based capital ratio | 27.2457% | 705 |
| Total risk-based capital ratio | 28.5031% | 688 |
| Memoranda: | ||
| Average total assets | $41,751,000 | 6,561 |
| Average earning assets | $40,280,330 | 6,468 |
| Average equity | $6,525,330 | 5,978 |
| Average total loans | $19,091,000 | 6,596 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2603% | 1,191 |
| Cost of funding earning assets | 0.4691% | 6,018 |
| Net interest margin | 4.7912% | 574 |
| Noninterest income to average assets | 0.3367% | 5,166 |
| Noninterest expense to average assets | 3.1652% | 2,717 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7029% | 716 |
| Return on assets (ROA) | 1.7029% | 798 |
| Pretax return on assets | 1.7895% | 1,095 |
| Return on Equity (ROE) | 10.9200% | 2,049 |
| Retained earnings to average equity (ytd only) | 10.9200% | 1,049 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8835% | 4,942 |
| Assets per employee ($millions) | 6.8188% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3483% | 1,593 |
| 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 | 45.2301% | 5,873 |
| Net loans and leases to deposits | 63.9139% | 4,650 |
| Net loans and leases to core deposits | 64.5268% | 5,056 |
| Total domestic deposits to total assets | 70.7672% | 6,943 |
| Equity capital to assets | 16.0634% | 566 |
| Core capital (leverage) ratio | 16.1792% | 444 |
| Tier 1 risk-based capital ratio | 27.9922% | 643 |
| Total risk-based capital ratio | 29.2487% | 628 |
| Memoranda: | ||
| Average total assets | $41,577,000 | 6,621 |
| Average earning assets | $40,073,500 | 6,520 |
| Average equity | $6,483,500 | 6,017 |
| Average total loans | $18,852,000 | 6,663 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7138% | 6,833 |
| Cost of funding earning assets | 0.5486% | 6,346 |
| Net interest margin | 3.1652% | 6,179 |
| Noninterest income to average assets | 0.5001% | 3,841 |
| Noninterest expense to average assets | 2.8563% | 4,144 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5826% | 4,086 |
| Return on assets (ROA) | 0.5826% | 4,266 |
| Pretax return on assets | 0.6780% | 4,418 |
| Return on Equity (ROE) | 3.4932% | 5,076 |
| Retained earnings to average equity (ytd only) | 2.2566% | 4,604 |
| Net charge-offs to loans | -0.2540% | 7,230 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8169% | 2,184 |
| Assets per employee ($millions) | 6.0344% | 1,208 |
| Cash dividends to net income (ytd only)* | 35.3982% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3728% | 1,504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 43.3441% | 6,262 |
| Net loans and leases to deposits | 64.5251% | 4,934 |
| Net loans and leases to core deposits | 65.1566% | 5,348 |
| Total domestic deposits to total assets | 67.1741% | 7,103 |
| Equity capital to assets | 15.1393% | 743 |
| Core capital (leverage) ratio | 15.5392% | 516 |
| Tier 1 risk-based capital ratio | 27.1158% | 705 |
| Total risk-based capital ratio | 28.3752% | 674 |
| Memoranda: | ||
| Average total assets | $38,791,200 | 6,712 |
| Average earning assets | $37,185,800 | 6,632 |
| Average equity | $6,469,800 | 6,019 |
| Average total loans | $17,717,800 | 6,769 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0487% | 6,507 |
| Cost of funding earning assets | 0.5616% | 6,469 |
| Net interest margin | 3.4871% | 5,235 |
| Noninterest income to average assets | 0.3902% | 4,742 |
| Noninterest expense to average assets | 2.2498% | 6,167 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4202% | 1,119 |
| Return on assets (ROA) | 1.4202% | 1,188 |
| Pretax return on assets | 1.4799% | 1,704 |
| Return on Equity (ROE) | 8.3016% | 2,914 |
| Retained earnings to average equity (ytd only) | 8.3016% | 1,393 |
| Net charge-offs to loans | -0.0382% | 7,005 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3205% | 5,665 |
| Assets per employee ($millions) | 5.5340% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3234% | 1,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 43.9517% | 6,338 |
| Net loans and leases to deposits | 62.8173% | 5,316 |
| Net loans and leases to core deposits | 63.4612% | 5,679 |
| Total domestic deposits to total assets | 69.9675% | 7,043 |
| Equity capital to assets | 17.1744% | 468 |
| Core capital (leverage) ratio | 17.0647% | 394 |
| Tier 1 risk-based capital ratio | 30.2505% | 526 |
| Total risk-based capital ratio | 31.5100% | 516 |
| Memoranda: | ||
| Average total assets | $37,928,750 | 6,802 |
| Average earning assets | $36,323,750 | 6,727 |
| Average equity | $6,488,500 | 6,061 |
| Average total loans | $17,458,750 | 6,850 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6939% | 4,550 |
| Cost of funding earning assets | 0.5604% | 6,625 |
| Net interest margin | 4.1335% | 2,293 |
| Noninterest income to average assets | 0.4036% | 4,656 |
| Noninterest expense to average assets | 2.2518% | 6,240 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.0447% | 319 |
| Return on assets (ROA) | 2.0447% | 330 |
| Pretax return on assets | 2.1084% | 483 |
| Return on Equity (ROE) | 11.9683% | 1,502 |
| Retained earnings to average equity (ytd only) | 11.9683% | 521 |
| Net charge-offs to loans | -0.0458% | 7,012 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6443% | 6,816 |
| Assets per employee ($millions) | 5.5187% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2681% | 1,796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 45.0623% | 6,347 |
| Net loans and leases to deposits | 67.3789% | 4,802 |
| Net loans and leases to core deposits | 67.3789% | 5,354 |
| Total domestic deposits to total assets | 66.8789% | 7,236 |
| Equity capital to assets | 17.1727% | 471 |
| Core capital (leverage) ratio | 17.2855% | 383 |
| Tier 1 risk-based capital ratio | 32.1945% | 444 |
| Total risk-based capital ratio | 33.4563% | 435 |
| Memoranda: | ||
| Average total assets | $37,659,000 | 6,865 |
| Average earning assets | $36,047,000 | 6,797 |
| Average equity | $6,433,670 | 6,106 |
| Average total loans | $17,468,000 | 6,918 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4416% | 5,548 |
| Cost of funding earning assets | 0.5637% | 6,747 |
| Net interest margin | 3.8780% | 3,255 |
| Noninterest income to average assets | 0.4412% | 4,352 |
| Noninterest expense to average assets | 2.3027% | 6,175 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8185% | 476 |
| Return on assets (ROA) | 1.8185% | 502 |
| Pretax return on assets | 1.8400% | 752 |
| Return on Equity (ROE) | 10.6734% | 1,844 |
| Retained earnings to average equity (ytd only) | 10.6734% | 958 |
| Net charge-offs to loans | -0.0925% | 7,063 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5844% | 6,547 |
| Assets per employee ($millions) | 5.3584% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3438% | 1,694 |
| 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 | 44.8772% | 6,392 |
| Net loans and leases to deposits | 63.3844% | 5,337 |
| Net loans and leases to core deposits | 63.3844% | 5,793 |
| Total domestic deposits to total assets | 70.8017% | 7,142 |
| Equity capital to assets | 17.1106% | 432 |
| Core capital (leverage) ratio | 17.2207% | 384 |
| Tier 1 risk-based capital ratio | 32.1624% | 430 |
| Total risk-based capital ratio | 33.4202% | 421 |
| Memoranda: | ||
| Average total assets | $37,173,000 | 6,930 |
| Average earning assets | $35,482,500 | 6,860 |
| Average equity | $6,333,500 | 6,144 |
| Average total loans | $17,296,000 | 6,982 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1773% | 6,958 |
| Cost of funding earning assets | 0.6788% | 6,934 |
| Net interest margin | 3.4985% | 5,253 |
| Noninterest income to average assets | 0.5312% | 3,946 |
| Noninterest expense to average assets | 3.1786% | 3,162 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5050% | 4,075 |
| Return on assets (ROA) | 0.5050% | 4,234 |
| Pretax return on assets | 0.6772% | 4,055 |
| Return on Equity (ROE) | 2.7400% | 5,064 |
| Retained earnings to average equity (ytd only) | 0.8711% | 5,113 |
| Net charge-offs to loans | -0.0542% | 7,456 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4375% | 2,107 |
| Assets per employee ($millions) | 6.1395% | 1,116 |
| Cash dividends to net income (ytd only)* | 68.2081% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2990% | 1,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 46.0298% | 6,555 |
| Net loans and leases to deposits | 65.9869% | 5,400 |
| Net loans and leases to core deposits | 65.9869% | 5,875 |
| Total domestic deposits to total assets | 69.7560% | 7,248 |
| Equity capital to assets | 16.9639% | 465 |
| Core capital (leverage) ratio | 17.3728% | 371 |
| Tier 1 risk-based capital ratio | 31.4004% | 452 |
| Total risk-based capital ratio | 32.6617% | 446 |
| Memoranda: | ||
| Average total assets | $34,260,800 | 7,064 |
| Average earning assets | $32,557,000 | 6,998 |
| Average equity | $6,313,800 | 6,268 |
| Average total loans | $16,615,600 | 7,088 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1897% | 7,104 |
| Cost of funding earning assets | 0.6962% | 7,072 |
| Net interest margin | 3.4935% | 5,317 |
| Noninterest income to average assets | 0.3927% | 5,016 |
| Noninterest expense to average assets | 2.4670% | 5,828 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1383% | 1,774 |
| Return on assets (ROA) | 1.1383% | 1,881 |
| Pretax return on assets | 1.2493% | 2,336 |
| Return on Equity (ROE) | 6.0452% | 3,788 |
| Retained earnings to average equity (ytd only) | 6.0452% | 2,329 |
| Net charge-offs to loans | -0.0649% | 7,497 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3821% | 4,776 |
| Assets per employee ($millions) | 5.8313% | 1,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4387% | 1,416 |
| Loan loss allowance to noncurrent loans | 925.5814% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 7,052 |
| Noncurrent loans to loans | 0.2635% | 6,660 |
| Net loans and leases to total assets | 45.5070% | 6,739 |
| Net loans and leases to deposits | 64.9586% | 5,795 |
| Net loans and leases to core deposits | 64.9586% | 6,211 |
| Total domestic deposits to total assets | 70.0554% | 7,272 |
| Equity capital to assets | 18.5235% | 373 |
| Core capital (leverage) ratio | 18.8346% | 307 |
| Tier 1 risk-based capital ratio | 34.5395% | 360 |
| Total risk-based capital ratio | 35.8026% | 354 |
| Memoranda: | ||
| Average total assets | $33,616,750 | 7,175 |
| Average earning assets | $31,982,500 | 7,099 |
| Average equity | $6,330,000 | 6,343 |
| Average total loans | $16,430,750 | 7,192 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 7,221 |
| Cost of funding earning assets | 0.7100% | 7,171 |
| Net interest margin | 3.4488% | 5,442 |
| Noninterest income to average assets | 0.4041% | 4,883 |
| Noninterest expense to average assets | 2.5272% | 5,621 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0193% | 2,123 |
| Return on assets (ROA) | 1.0193% | 2,194 |
| Pretax return on assets | 1.1580% | 2,553 |
| Return on Equity (ROE) | 5.3824% | 4,099 |
| Retained earnings to average equity (ytd only) | 5.3824% | 2,685 |
| Net charge-offs to loans | -0.0850% | 7,532 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5761% | 4,462 |
| Assets per employee ($millions) | 5.5732% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4523% | 1,366 |
| Loan loss allowance to noncurrent loans | 923.2558% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.1286% | 7,069 |
| Noncurrent loans to loans | 0.2656% | 6,699 |
| Net loans and leases to total assets | 47.2263% | 6,686 |
| Net loans and leases to deposits | 68.3932% | 5,513 |
| Net loans and leases to core deposits | 68.3932% | 6,029 |
| Total domestic deposits to total assets | 69.0511% | 7,389 |
| Equity capital to assets | 19.0287% | 340 |
| Core capital (leverage) ratio | 20.1284% | 243 |
| Tier 1 risk-based capital ratio | 34.9577% | 352 |
| Total risk-based capital ratio | 36.2213% | 345 |
| Memoranda: | ||
| Average total assets | $33,159,670 | 7,253 |
| Average earning assets | $31,547,330 | 7,173 |
| Average equity | $6,279,670 | 6,382 |
| Average total loans | $16,467,670 | 7,242 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1549% | 7,316 |
| Cost of funding earning assets | 0.7137% | 7,306 |
| Net interest margin | 3.4411% | 5,418 |
| Noninterest income to average assets | 0.3755% | 5,136 |
| Noninterest expense to average assets | 2.3985% | 6,092 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0660% | 1,947 |
| Return on assets (ROA) | 1.0660% | 2,022 |
| Pretax return on assets | 1.2477% | 2,211 |
| Return on Equity (ROE) | 5.6428% | 4,039 |
| Retained earnings to average equity (ytd only) | 5.6428% | 2,786 |
| Net charge-offs to loans | -0.1445% | 7,603 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7807% | 5,166 |
| Assets per employee ($millions) | 4.7053% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4781% | 1,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 47.3146% | 6,730 |
| Net loans and leases to deposits | 66.9473% | 5,716 |
| Net loans and leases to core deposits | 66.9473% | 6,211 |
| Total domestic deposits to total assets | 70.6743% | 7,368 |
| Equity capital to assets | 19.0728% | 340 |
| Core capital (leverage) ratio | 19.4207% | 286 |
| Tier 1 risk-based capital ratio | 35.6770% | 339 |
| Total risk-based capital ratio | 36.9378% | 331 |
| Memoranda: | ||
| Average total assets | $33,020,000 | 7,344 |
| Average earning assets | $31,385,000 | 7,270 |
| Average equity | $6,238,000 | 6,435 |
| Average total loans | $16,607,000 | 7,329 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3430% | 7,530 |
| Cost of funding earning assets | 0.8863% | 7,429 |
| Net interest margin | 3.4567% | 5,138 |
| Noninterest income to average assets | 0.5089% | 4,347 |
| Noninterest expense to average assets | 3.1149% | 3,673 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5348% | 3,592 |
| Return on assets (ROA) | 0.5348% | 3,685 |
| Pretax return on assets | 0.6807% | 3,642 |
| Return on Equity (ROE) | 2.6850% | 4,628 |
| Retained earnings to average equity (ytd only) | 2.6850% | 3,270 |
| Net charge-offs to loans | -0.0407% | 7,834 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0666% | 2,591 |
| Assets per employee ($millions) | 4.1379% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2630% | 1,546 |
| 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 | 50.8836% | 6,541 |
| Net loans and leases to deposits | 74.4717% | 4,956 |
| Net loans and leases to core deposits | 81.4310% | 5,963 |
| Total domestic deposits to total assets | 68.3261% | 7,523 |
| Equity capital to assets | 18.7113% | 390 |
| Core capital (leverage) ratio | 19.5505% | 301 |
| Tier 1 risk-based capital ratio | 33.1727% | 404 |
| Total risk-based capital ratio | 34.4312% | 393 |
| Memoranda: | ||
| Average total assets | $30,851,800 | 7,445 |
| Average earning assets | $29,334,600 | 7,381 |
| Average equity | $6,145,200 | 6,549 |
| Average total loans | $17,187,400 | 7,343 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4463% | 7,566 |
| Cost of funding earning assets | 0.9346% | 7,507 |
| Net interest margin | 3.5117% | 4,817 |
| Noninterest income to average assets | 0.4446% | 4,935 |
| Noninterest expense to average assets | 2.6455% | 5,540 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9904% | 2,097 |
| Return on assets (ROA) | 0.9904% | 2,156 |
| Pretax return on assets | 1.1401% | 2,449 |
| Return on Equity (ROE) | 4.8914% | 4,012 |
| Retained earnings to average equity (ytd only) | 4.8914% | 2,558 |
| Net charge-offs to loans | -0.0543% | 7,863 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8837% | 4,619 |
| Assets per employee ($millions) | 5.1658% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2542% | 1,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 54.5604% | 6,317 |
| Net loans and leases to deposits | 77.1628% | 4,871 |
| Net loans and leases to core deposits | 83.2849% | 6,094 |
| Total domestic deposits to total assets | 70.7082% | 7,356 |
| Equity capital to assets | 20.1774% | 328 |
| Core capital (leverage) ratio | 20.5690% | 282 |
| Tier 1 risk-based capital ratio | 34.6578% | 391 |
| Total risk-based capital ratio | 35.9213% | 385 |
| Memoranda: | ||
| Average total assets | $30,289,000 | 7,529 |
| Average earning assets | $28,817,500 | 7,467 |
| Average equity | $6,133,000 | 6,621 |
| Average total loans | $17,175,750 | 7,409 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5284% | 7,601 |
| Cost of funding earning assets | 0.9814% | 7,576 |
| Net interest margin | 3.5470% | 4,587 |
| Noninterest income to average assets | 0.4059% | 5,233 |
| Noninterest expense to average assets | 2.8083% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8119% | 2,808 |
| Return on assets (ROA) | 0.8119% | 2,904 |
| Pretax return on assets | 0.9649% | 3,128 |
| Return on Equity (ROE) | 4.0048% | 4,492 |
| Retained earnings to average equity (ytd only) | 4.0048% | 3,057 |
| Net charge-offs to loans | -0.0700% | 7,897 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4268% | 3,964 |
| Assets per employee ($millions) | 4.8928% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3724% | 1,021 |
| 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 | 54.5287% | 6,376 |
| Net loans and leases to deposits | 73.3773% | 5,557 |
| Net loans and leases to core deposits | 79.6141% | 6,439 |
| Total domestic deposits to total assets | 74.3128% | 6,908 |
| Equity capital to assets | 20.9524% | 333 |
| Core capital (leverage) ratio | 20.3615% | 343 |
| Tier 1 risk-based capital ratio | 36.3148% | 388 |
| Total risk-based capital ratio | 37.5782% | 382 |
| Memoranda: | ||
| Average total assets | $30,053,670 | 7,604 |
| Average earning assets | $28,531,000 | 7,546 |
| Average equity | $6,092,670 | 6,688 |
| Average total loans | $17,134,000 | 7,481 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9123% | 7,144 |
| Cost of funding earning assets | 1.0356% | 7,616 |
| Net interest margin | 3.8766% | 3,151 |
| Noninterest income to average assets | 0.4473% | 4,803 |
| Noninterest expense to average assets | 3.0393% | 3,594 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9078% | 2,671 |
| Return on assets (ROA) | 0.9078% | 2,820 |
| Pretax return on assets | 1.0526% | 3,165 |
| Return on Equity (ROE) | 4.5518% | 4,687 |
| Retained earnings to average equity (ytd only) | 4.5518% | 3,401 |
| Net charge-offs to loans | -0.0914% | 7,854 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2765% | 3,778 |
| Assets per employee ($millions) | 4.3339% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2955% | 953 |
| Loan loss allowance to noncurrent loans | 586.3636% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 6,872 |
| Noncurrent loans to loans | 0.3915% | 6,443 |
| Net loans and leases to total assets | 54.2967% | 6,434 |
| Net loans and leases to deposits | 73.2512% | 5,581 |
| Net loans and leases to core deposits | 78.8813% | 6,473 |
| Total domestic deposits to total assets | 74.1240% | 6,865 |
| Equity capital to assets | 20.1009% | 415 |
| Core capital (leverage) ratio | 21.2097% | 341 |
| Tier 1 risk-based capital ratio | 35.2323% | 430 |
| Total risk-based capital ratio | 36.4918% | 420 |
| Memoranda: | ||
| Average total assets | $30,402,000 | 7,635 |
| Average earning assets | $28,581,500 | 7,589 |
| Average equity | $6,063,500 | 6,735 |
| Average total loans | $17,502,500 | 7,510 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4290% | 7,424 |
| Cost of funding earning assets | 1.7282% | 7,193 |
| Net interest margin | 3.7008% | 4,469 |
| Noninterest income to average assets | 0.4874% | 4,720 |
| Noninterest expense to average assets | 3.1307% | 3,586 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5321% | 4,607 |
| Return on assets (ROA) | 0.5321% | 4,459 |
| Pretax return on assets | 0.8410% | 3,928 |
| Return on Equity (ROE) | 2.5826% | 5,388 |
| Retained earnings to average equity (ytd only) | 2.2493% | 3,811 |
| Net charge-offs to loans | -0.1808% | 8,156 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8245% | 2,786 |
| Assets per employee ($millions) | 4.3524% | 2,879 |
| Cash dividends to net income (ytd only)* | 12.9032% | 4,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1107% | 1,056 |
| Loan loss allowance to noncurrent loans | 9,575.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 7,562 |
| Noncurrent loans to loans | 0.0220% | 7,430 |
| Net loans and leases to total assets | 58.3024% | 6,161 |
| Net loans and leases to deposits | 80.6639% | 4,930 |
| Net loans and leases to core deposits | 85.6461% | 6,159 |
| Total domestic deposits to total assets | 72.2782% | 6,950 |
| Equity capital to assets | 19.7886% | 479 |
| Core capital (leverage) ratio | 20.4518% | 409 |
| Tier 1 risk-based capital ratio | 32.7627% | 517 |
| Total risk-based capital ratio | 34.0235% | 505 |
| Memoranda: | ||
| Average total assets | $29,131,200 | 7,679 |
| Average earning assets | $27,426,600 | 7,643 |
| Average equity | $6,001,800 | 6,804 |
| Average total loans | $16,594,200 | 7,547 |