Home > Columbus State Bank > Performance and Condition Ratios
Columbus State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0087% | 4,521 |
| Cost of funding earning assets | 0.3246% | 4,357 |
| Net interest margin | 2.6841% | 3,842 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.4706% | 4,343 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.9146% | 2,501 |
| Return on assets (ROA) | 0.9412% | 2,385 |
| Pretax return on assets | 1.1914% | 2,164 |
| Return on Equity (ROE) | 12.6800% | 1,800 |
| Retained earnings to average equity (ytd only) | 11.5747% | 690 |
| 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 | 56.1080% | 3,487 |
| Assets per employee ($millions) | 13.5875% | 282 |
| Cash dividends to net income (ytd only)* | 8.7179% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8513% | 32 |
| 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 | 2.5100% | 4,467 |
| Net loans and leases to deposits | 2.7024% | 4,469 |
| Net loans and leases to core deposits | 2.8102% | 4,488 |
| Total domestic deposits to total assets | 92.8200% | 192 |
| Equity capital to assets | 7.0954% | 3,905 |
| Core capital (leverage) ratio | 12.3658% | 1,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2790% | 408 |
| Memoranda: | ||
| Average total assets | $124,302,800 | 3,609 |
| Average earning assets | $116,462,800 | 3,581 |
| Average equity | $9,227,000 | 3,797 |
| Average total loans | $4,652,000 | 4,463 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9190% | 4,546 |
| Cost of funding earning assets | 0.3011% | 4,359 |
| Net interest margin | 2.6179% | 4,006 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 1.4529% | 4,349 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.8991% | 2,679 |
| Return on assets (ROA) | 0.9366% | 2,548 |
| Pretax return on assets | 1.1908% | 2,320 |
| Return on Equity (ROE) | 12.4400% | 2,019 |
| Retained earnings to average equity (ytd only) | 11.8432% | 998 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.1817% | 3,388 |
| Assets per employee ($millions) | 11.2644% | 473 |
| Cash dividends to net income (ytd only)* | 4.8251% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2348% | 50 |
| 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 | 4.2500% | 4,491 |
| Net loans and leases to deposits | 4.5839% | 4,493 |
| Net loans and leases to core deposits | 4.7943% | 4,476 |
| Total domestic deposits to total assets | 92.7700% | 336 |
| Equity capital to assets | 7.0746% | 3,574 |
| Core capital (leverage) ratio | 13.5423% | 929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7463% | 395 |
| Memoranda: | ||
| Average total assets | $118,013,000 | 3,675 |
| Average earning assets | $111,587,500 | 3,642 |
| Average equity | $8,882,500 | 3,839 |
| Average total loans | $4,819,500 | 4,487 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8994% | 4,570 |
| Cost of funding earning assets | 0.2714% | 4,353 |
| Net interest margin | 2.6280% | 4,075 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.4098% | 4,408 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9324% | 2,640 |
| Return on assets (ROA) | 0.9324% | 2,628 |
| Pretax return on assets | 1.1788% | 2,420 |
| Return on Equity (ROE) | 12.1300% | 2,113 |
| Retained earnings to average equity (ytd only) | 11.6799% | 1,047 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.4607% | 3,574 |
| Assets per employee ($millions) | 9.3647% | 813 |
| Cash dividends to net income (ytd only)* | 3.6969% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1217% | 45 |
| 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 | 3.9900% | 4,523 |
| Net loans and leases to deposits | 4.3456% | 4,524 |
| Net loans and leases to core deposits | 4.5564% | 4,508 |
| Total domestic deposits to total assets | 91.8000% | 456 |
| Equity capital to assets | 7.9688% | 3,239 |
| Core capital (leverage) ratio | 14.2297% | 728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3176% | 375 |
| Memoranda: | ||
| Average total assets | $116,048,000 | 3,714 |
| Average earning assets | $109,055,667 | 3,678 |
| Average equity | $8,921,333 | 3,857 |
| Average total loans | $4,592,000 | 4,520 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9972% | 4,566 |
| Cost of funding earning assets | 0.2462% | 4,302 |
| Net interest margin | 2.7511% | 4,008 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 1.3267% | 4,522 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0926% | 2,256 |
| Return on assets (ROA) | 1.0926% | 2,219 |
| Pretax return on assets | 1.3810% | 1,933 |
| Return on Equity (ROE) | 14.4600% | 1,671 |
| Retained earnings to average equity (ytd only) | 14.4646% | 868 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.9975% | 4,026 |
| Assets per employee ($millions) | 10.3678% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6502% | 30 |
| 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 | 3.5400% | 4,597 |
| Net loans and leases to deposits | 3.8767% | 4,599 |
| Net loans and leases to core deposits | 4.0259% | 4,581 |
| Total domestic deposits to total assets | 91.4000% | 673 |
| Equity capital to assets | 8.4273% | 2,948 |
| Core capital (leverage) ratio | 12.8150% | 1,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7286% | 401 |
| Memoranda: | ||
| Average total assets | $117,884,000 | 3,742 |
| Average earning assets | $110,501,500 | 3,716 |
| Average equity | $8,904,500 | 3,904 |
| Average total loans | $4,525,500 | 4,589 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9420% | 4,614 |
| Cost of funding earning assets | 0.1581% | 4,071 |
| Net interest margin | 1.7839% | 4,600 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.2219% | 4,600 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4810% | 4,110 |
| Return on assets (ROA) | 0.5046% | 4,041 |
| Pretax return on assets | 0.6255% | 3,985 |
| Return on Equity (ROE) | 6.3400% | 3,761 |
| Retained earnings to average equity (ytd only) | 5.3176% | 2,912 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.2021% | 2,061 |
| Assets per employee ($millions) | 11.0656% | 494 |
| Cash dividends to net income (ytd only)* | 16.0772% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0755% | 38 |
| 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 | 3.7200% | 4,626 |
| Net loans and leases to deposits | 3.9936% | 4,627 |
| Net loans and leases to core deposits | 4.1344% | 4,611 |
| Total domestic deposits to total assets | 93.1100% | 378 |
| Equity capital to assets | 6.7350% | 3,799 |
| Core capital (leverage) ratio | 12.2294% | 1,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2868% | 459 |
| Memoranda: | ||
| Average total assets | $123,254,800 | 3,699 |
| Average earning assets | $117,663,400 | 3,648 |
| Average equity | $9,816,400 | 3,892 |
| Average total loans | $4,501,600 | 4,624 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6687% | 4,650 |
| Cost of funding earning assets | 0.1296% | 4,039 |
| Net interest margin | 1.5390% | 4,636 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 1.2067% | 4,623 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3208% | 4,360 |
| Return on assets (ROA) | 0.3526% | 4,266 |
| Pretax return on assets | 0.4281% | 4,239 |
| Return on Equity (ROE) | 4.2700% | 4,109 |
| Retained earnings to average equity (ytd only) | 3.3525% | 3,686 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.6081% | 1,114 |
| Assets per employee ($millions) | 11.4927% | 449 |
| Cash dividends to net income (ytd only)* | 21.4067% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7173% | 45 |
| 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 | 3.8700% | 4,671 |
| Net loans and leases to deposits | 4.1357% | 4,673 |
| Net loans and leases to core deposits | 4.2656% | 4,655 |
| Total domestic deposits to total assets | 93.4900% | 458 |
| Equity capital to assets | 6.3764% | 3,805 |
| Core capital (leverage) ratio | 11.8282% | 1,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0758% | 559 |
| Memoranda: | ||
| Average total assets | $123,638,000 | 3,723 |
| Average earning assets | $119,293,000 | 3,656 |
| Average equity | $10,221,000 | 3,889 |
| Average total loans | $4,435,000 | 4,663 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4430% | 4,714 |
| Cost of funding earning assets | 0.0843% | 4,331 |
| Net interest margin | 1.3587% | 4,697 |
| Noninterest income to average assets | 0.1125% | 4,435 |
| Noninterest expense to average assets | 1.2028% | 4,645 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1923% | 4,430 |
| Return on assets (ROA) | 0.1923% | 4,393 |
| Pretax return on assets | 0.2233% | 4,385 |
| Return on Equity (ROE) | 2.1570% | 4,335 |
| Retained earnings to average equity (ytd only) | 0.8774% | 4,021 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3429% | 663 |
| Assets per employee ($millions) | 10.6986% | 536 |
| Cash dividends to net income (ytd only)* | 59.3220% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2989% | 37 |
| 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 | 3.6751% | 4,731 |
| Net loans and leases to deposits | 3.9701% | 4,735 |
| Net loans and leases to core deposits | 4.0820% | 4,725 |
| Total domestic deposits to total assets | 92.5691% | 629 |
| Equity capital to assets | 7.3663% | 3,555 |
| Core capital (leverage) ratio | 12.1509% | 1,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1701% | 417 |
| Memoranda: | ||
| Average total assets | $122,710,667 | 3,776 |
| Average earning assets | $118,640,667 | 3,714 |
| Average equity | $10,941,000 | 3,895 |
| Average total loans | $4,203,333 | 4,725 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3001% | 4,744 |
| Cost of funding earning assets | 0.0528% | 4,578 |
| Net interest margin | 1.2473% | 4,728 |
| Noninterest income to average assets | 0.1214% | 4,400 |
| Noninterest expense to average assets | 1.0988% | 4,694 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1980% | 4,340 |
| Return on assets (ROA) | 0.1980% | 4,305 |
| Pretax return on assets | 0.2300% | 4,291 |
| Return on Equity (ROE) | 2.0535% | 4,252 |
| Retained earnings to average equity (ytd only) | 0.3974% | 3,939 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6923% | 938 |
| Assets per employee ($millions) | 10.6040% | 577 |
| Cash dividends to net income (ytd only)* | 80.6452% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9262% | 21 |
| 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 | 2.7880% | 4,760 |
| Net loans and leases to deposits | 3.0695% | 4,763 |
| Net loans and leases to core deposits | 3.1584% | 4,753 |
| Total domestic deposits to total assets | 90.8294% | 1,119 |
| Equity capital to assets | 9.1286% | 2,602 |
| Core capital (leverage) ratio | 11.4126% | 1,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9957% | 493 |
| Memoranda: | ||
| Average total assets | $125,223,500 | 3,773 |
| Average earning assets | $121,222,000 | 3,698 |
| Average equity | $12,077,000 | 3,852 |
| Average total loans | $4,021,500 | 4,755 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2110% | 4,773 |
| Cost of funding earning assets | 0.0800% | 4,532 |
| Net interest margin | 1.1310% | 4,770 |
| Noninterest income to average assets | 0.1028% | 4,592 |
| Noninterest expense to average assets | 1.0359% | 4,752 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1711% | 4,563 |
| Return on assets (ROA) | 0.1232% | 4,617 |
| Pretax return on assets | 0.1177% | 4,623 |
| Return on Equity (ROE) | 1.1117% | 4,599 |
| Retained earnings to average equity (ytd only) | 0.4036% | 4,394 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2182% | 465 |
| Assets per employee ($millions) | 13.3803% | 282 |
| Cash dividends to net income (ytd only)* | 63.6943% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3199% | 36 |
| 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 | 3.2189% | 4,803 |
| Net loans and leases to deposits | 3.5813% | 4,805 |
| Net loans and leases to core deposits | 3.6723% | 4,794 |
| Total domestic deposits to total assets | 89.8814% | 1,009 |
| Equity capital to assets | 10.0939% | 2,563 |
| Core capital (leverage) ratio | 11.0576% | 1,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0930% | 642 |
| Memoranda: | ||
| Average total assets | $127,429,400 | 3,713 |
| Average earning assets | $123,783,000 | 3,639 |
| Average equity | $14,122,000 | 3,730 |
| Average total loans | $4,844,800 | 4,793 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1919% | 4,858 |
| Cost of funding earning assets | 0.0895% | 4,577 |
| Net interest margin | 1.1024% | 4,856 |
| Noninterest income to average assets | 0.1081% | 4,638 |
| Noninterest expense to average assets | 1.0426% | 4,831 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1377% | 4,669 |
| Return on assets (ROA) | 0.1632% | 4,672 |
| Pretax return on assets | 0.1611% | 4,686 |
| Return on Equity (ROE) | 1.4383% | 4,650 |
| Retained earnings to average equity (ytd only) | 0.5043% | 4,495 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4892% | 362 |
| Assets per employee ($millions) | 12.4088% | 342 |
| Cash dividends to net income (ytd only)* | 64.9351% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5833% | 45 |
| 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 | 4.0600% | 4,874 |
| Net loans and leases to deposits | 4.5960% | 4,877 |
| Net loans and leases to core deposits | 4.7334% | 4,866 |
| Total domestic deposits to total assets | 88.3381% | 1,650 |
| Equity capital to assets | 11.4677% | 1,703 |
| Core capital (leverage) ratio | 11.9489% | 1,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9971% | 536 |
| Memoranda: | ||
| Average total assets | $125,836,000 | 3,772 |
| Average earning assets | $122,152,750 | 3,695 |
| Average equity | $14,276,000 | 3,754 |
| Average total loans | $4,918,750 | 4,863 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0871% | 4,905 |
| Cost of funding earning assets | 0.1048% | 4,544 |
| Net interest margin | 0.9823% | 4,904 |
| Noninterest income to average assets | 0.1107% | 4,649 |
| Noninterest expense to average assets | 1.0267% | 4,868 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.0696% | 4,740 |
| Return on assets (ROA) | 0.1044% | 4,723 |
| Pretax return on assets | 0.0823% | 4,747 |
| Return on Equity (ROE) | 0.9236% | 4,711 |
| Retained earnings to average equity (ytd only) | -0.0560% | 4,518 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5817% | 225 |
| Assets per employee ($millions) | 12.1841% | 333 |
| Cash dividends to net income (ytd only)* | 106.0606% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8255% | 41 |
| 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 | 3.9174% | 4,911 |
| Net loans and leases to deposits | 4.4423% | 4,915 |
| Net loans and leases to core deposits | 4.6183% | 4,904 |
| Total domestic deposits to total assets | 88.1838% | 1,731 |
| Equity capital to assets | 11.6274% | 1,556 |
| Core capital (leverage) ratio | 11.3982% | 1,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8897% | 304 |
| Memoranda: | ||
| Average total assets | $126,418,667 | 3,775 |
| Average earning assets | $123,997,000 | 3,690 |
| Average equity | $14,291,333 | 3,763 |
| Average total loans | $4,798,333 | 4,906 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9757% | 4,945 |
| Cost of funding earning assets | 0.1140% | 4,558 |
| Net interest margin | 0.8617% | 4,941 |
| Noninterest income to average assets | 0.1119% | 4,635 |
| Noninterest expense to average assets | 1.0504% | 4,896 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.0292% | 4,780 |
| Return on assets (ROA) | 0.0249% | 4,772 |
| Pretax return on assets | -0.0249% | 4,790 |
| Return on Equity (ROE) | 0.2229% | 4,772 |
| Retained earnings to average equity (ytd only) | -0.8918% | 4,453 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7403% | 112 |
| Assets per employee ($millions) | 11.5025% | 387 |
| Cash dividends to net income (ytd only)* | 500.0000% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3635% | 34 |
| 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 | 3.3748% | 4,939 |
| Net loans and leases to deposits | 3.8313% | 4,943 |
| Net loans and leases to core deposits | 3.9867% | 4,933 |
| Total domestic deposits to total assets | 88.0848% | 1,807 |
| Equity capital to assets | 11.6197% | 1,479 |
| Core capital (leverage) ratio | 11.4866% | 1,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.3936% | 95 |
| Memoranda: | ||
| Average total assets | $128,707,500 | 3,753 |
| Average earning assets | $126,264,500 | 3,667 |
| Average equity | $14,353,500 | 3,760 |
| Average total loans | $4,690,000 | 4,930 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7008% | 4,937 |
| Cost of funding earning assets | 0.2110% | 4,546 |
| Net interest margin | 1.4898% | 4,921 |
| Noninterest income to average assets | 0.1088% | 4,712 |
| Noninterest expense to average assets | 1.3012% | 4,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.2316% | 4,530 |
| Return on assets (ROA) | 0.4742% | 4,166 |
| Pretax return on assets | 0.5223% | 4,230 |
| Return on Equity (ROE) | 4.1284% | 4,131 |
| Retained earnings to average equity (ytd only) | 2.1763% | 3,753 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5733% | 666 |
| Assets per employee ($millions) | 10.0683% | 520 |
| Cash dividends to net income (ytd only)* | 47.2855% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9712% | 40 |
| 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 | 3.5343% | 4,963 |
| Net loans and leases to deposits | 3.9635% | 4,967 |
| Net loans and leases to core deposits | 4.1647% | 4,958 |
| Total domestic deposits to total assets | 89.1724% | 911 |
| Equity capital to assets | 10.7000% | 2,525 |
| Core capital (leverage) ratio | 11.4801% | 1,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.2584% | 114 |
| Memoranda: | ||
| Average total assets | $120,424,800 | 3,742 |
| Average earning assets | $117,060,400 | 3,661 |
| Average equity | $13,831,000 | 3,783 |
| Average total loans | $6,519,400 | 4,938 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9031% | 4,971 |
| Cost of funding earning assets | 0.2335% | 4,557 |
| Net interest margin | 1.6696% | 4,949 |
| Noninterest income to average assets | 0.1154% | 4,699 |
| Noninterest expense to average assets | 1.3275% | 4,898 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3631% | 4,339 |
| Return on assets (ROA) | 0.5817% | 3,924 |
| Pretax return on assets | 0.6519% | 4,003 |
| Return on Equity (ROE) | 4.9706% | 3,904 |
| Retained earnings to average equity (ytd only) | 2.3596% | 3,796 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5666% | 1,152 |
| Assets per employee ($millions) | 9.5551% | 587 |
| Cash dividends to net income (ytd only)* | 52.5292% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0394% | 63 |
| 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 | 4.6282% | 4,994 |
| Net loans and leases to deposits | 5.2265% | 4,998 |
| Net loans and leases to core deposits | 5.5618% | 4,989 |
| Total domestic deposits to total assets | 88.5538% | 954 |
| Equity capital to assets | 11.2288% | 2,210 |
| Core capital (leverage) ratio | 12.0875% | 1,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.8970% | 152 |
| Memoranda: | ||
| Average total assets | $117,809,000 | 3,767 |
| Average earning assets | $114,198,500 | 3,694 |
| Average equity | $13,787,500 | 3,785 |
| Average total loans | $6,932,250 | 4,968 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1115% | 5,009 |
| Cost of funding earning assets | 0.2630% | 4,581 |
| Net interest margin | 1.8485% | 4,976 |
| Noninterest income to average assets | 0.1245% | 4,679 |
| Noninterest expense to average assets | 1.3210% | 4,940 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5276% | 3,939 |
| Return on assets (ROA) | 0.6000% | 3,815 |
| Pretax return on assets | 0.6709% | 3,926 |
| Return on Equity (ROE) | 5.0532% | 3,820 |
| Retained earnings to average equity (ytd only) | 1.5582% | 3,917 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1403% | 2,069 |
| Assets per employee ($millions) | 9.2906% | 623 |
| Cash dividends to net income (ytd only)* | 69.1643% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1481% | 59 |
| 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 | 4.6300% | 5,028 |
| Net loans and leases to deposits | 5.2393% | 5,032 |
| Net loans and leases to core deposits | 5.4501% | 5,021 |
| Total domestic deposits to total assets | 88.3704% | 1,007 |
| Equity capital to assets | 11.4350% | 2,017 |
| Core capital (leverage) ratio | 12.5240% | 1,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3088% | 257 |
| Memoranda: | ||
| Average total assets | $115,673,333 | 3,778 |
| Average earning assets | $111,768,667 | 3,714 |
| Average equity | $13,734,000 | 3,800 |
| Average total loans | $7,246,000 | 4,992 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3838% | 5,062 |
| Cost of funding earning assets | 0.3021% | 4,656 |
| Net interest margin | 2.0817% | 4,995 |
| Noninterest income to average assets | 0.1485% | 4,624 |
| Noninterest expense to average assets | 1.3897% | 4,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6966% | 3,284 |
| Return on assets (ROA) | 0.6966% | 3,353 |
| Pretax return on assets | 0.7815% | 3,460 |
| Return on Equity (ROE) | 5.7537% | 3,405 |
| Retained earnings to average equity (ytd only) | -0.5257% | 4,079 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0065% | 3,234 |
| Assets per employee ($millions) | 9.0268% | 528 |
| Cash dividends to net income (ytd only)* | 109.1371% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1404% | 133 |
| 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 | 6.8906% | 5,070 |
| Net loans and leases to deposits | 7.9052% | 5,074 |
| Net loans and leases to core deposits | 8.2660% | 5,064 |
| Total domestic deposits to total assets | 87.1651% | 1,483 |
| Equity capital to assets | 12.6346% | 1,655 |
| Core capital (leverage) ratio | 12.6332% | 1,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9468% | 393 |
| Memoranda: | ||
| Average total assets | $113,121,000 | 3,802 |
| Average earning assets | $109,910,000 | 3,711 |
| Average equity | $13,695,500 | 3,813 |
| Average total loans | $7,952,000 | 5,029 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6312% | 5,112 |
| Cost of funding earning assets | 0.3296% | 4,654 |
| Net interest margin | 2.3015% | 5,035 |
| Noninterest income to average assets | 0.1363% | 4,795 |
| Noninterest expense to average assets | 1.5593% | 4,971 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7081% | 3,848 |
| Return on assets (ROA) | 0.7297% | 3,838 |
| Pretax return on assets | 0.8065% | 3,958 |
| Return on Equity (ROE) | 5.6559% | 4,018 |
| Retained earnings to average equity (ytd only) | 3.4233% | 3,296 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5847% | 2,680 |
| Assets per employee ($millions) | 9.0708% | 494 |
| Cash dividends to net income (ytd only)* | 39.4737% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9519% | 132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 6.7469% | 5,131 |
| Net loans and leases to deposits | 7.6459% | 5,139 |
| Net loans and leases to core deposits | 7.9607% | 5,132 |
| Total domestic deposits to total assets | 88.2429% | 1,006 |
| Equity capital to assets | 11.6223% | 2,405 |
| Core capital (leverage) ratio | 12.9089% | 1,279 |
| Tier 1 risk-based capital ratio | 26.4341% | 648 |
| Total risk-based capital ratio | 26.9008% | 688 |
| Memoranda: | ||
| Average total assets | $104,149,200 | 3,936 |
| Average earning assets | $99,803,200 | 3,877 |
| Average equity | $13,437,400 | 3,833 |
| Average total loans | $8,914,400 | 5,073 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6948% | 5,197 |
| Cost of funding earning assets | 0.3320% | 4,716 |
| Net interest margin | 2.3628% | 5,116 |
| Noninterest income to average assets | 0.1483% | 4,806 |
| Noninterest expense to average assets | 1.6139% | 4,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7153% | 3,966 |
| Return on assets (ROA) | 0.7454% | 3,925 |
| Pretax return on assets | 0.8195% | 4,076 |
| Return on Equity (ROE) | 5.6142% | 4,160 |
| Retained earnings to average equity (ytd only) | 3.1212% | 3,841 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2366% | 2,541 |
| Assets per employee ($millions) | 8.0751% | 672 |
| Cash dividends to net income (ytd only)* | 44.4055% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5091% | 214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 8.9573% | 5,204 |
| Net loans and leases to deposits | 10.3131% | 5,208 |
| Net loans and leases to core deposits | 10.7997% | 5,201 |
| Total domestic deposits to total assets | 86.8532% | 1,596 |
| Equity capital to assets | 12.9144% | 1,679 |
| Core capital (leverage) ratio | 14.5145% | 853 |
| Tier 1 risk-based capital ratio | 26.7671% | 660 |
| Total risk-based capital ratio | 27.2449% | 693 |
| Memoranda: | ||
| Average total assets | $100,706,500 | 4,033 |
| Average earning assets | $95,984,750 | 3,986 |
| Average equity | $13,370,500 | 3,873 |
| Average total loans | $9,093,500 | 5,150 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7108% | 5,256 |
| Cost of funding earning assets | 0.3199% | 4,771 |
| Net interest margin | 2.3909% | 5,167 |
| Noninterest income to average assets | 0.1571% | 4,795 |
| Noninterest expense to average assets | 1.6418% | 5,029 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7297% | 3,896 |
| Return on assets (ROA) | 0.7756% | 3,795 |
| Pretax return on assets | 0.8541% | 3,961 |
| Return on Equity (ROE) | 5.7858% | 4,124 |
| Retained earnings to average equity (ytd only) | 2.6299% | 3,883 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1334% | 2,666 |
| Assets per employee ($millions) | 7.4324% | 840 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6913% | 178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 9.0560% | 5,253 |
| Net loans and leases to deposits | 10.5437% | 5,257 |
| Net loans and leases to core deposits | 11.0918% | 5,248 |
| Total domestic deposits to total assets | 85.8902% | 2,092 |
| Equity capital to assets | 13.8883% | 1,165 |
| Core capital (leverage) ratio | 14.9579% | 713 |
| Tier 1 risk-based capital ratio | 27.6920% | 577 |
| Total risk-based capital ratio | 28.1914% | 612 |
| Memoranda: | ||
| Average total assets | $99,283,330 | 4,082 |
| Average earning assets | $95,028,330 | 4,009 |
| Average equity | $13,308,330 | 3,884 |
| Average total loans | $8,909,670 | 5,199 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6794% | 5,320 |
| Cost of funding earning assets | 0.2991% | 4,853 |
| Net interest margin | 2.3803% | 5,231 |
| Noninterest income to average assets | 0.1709% | 4,714 |
| Noninterest expense to average assets | 1.6260% | 5,078 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7803% | 3,682 |
| Return on assets (ROA) | 0.7911% | 3,702 |
| Pretax return on assets | 0.8667% | 3,875 |
| Return on Equity (ROE) | 6.0062% | 4,015 |
| Retained earnings to average equity (ytd only) | 0.5735% | 4,415 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5449% | 3,004 |
| Assets per employee ($millions) | 7.0879% | 965 |
| Cash dividends to net income (ytd only)* | 90.4523% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7081% | 189 |
| 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 | 9.4353% | 5,312 |
| Net loans and leases to deposits | 11.0486% | 5,315 |
| Net loans and leases to core deposits | 11.6160% | 5,307 |
| Total domestic deposits to total assets | 85.3988% | 2,527 |
| Equity capital to assets | 14.3928% | 909 |
| Core capital (leverage) ratio | 14.1356% | 916 |
| Tier 1 risk-based capital ratio | 28.5247% | 531 |
| Total risk-based capital ratio | 29.0452% | 561 |
| Memoranda: | ||
| Average total assets | $100,614,500 | 4,100 |
| Average earning assets | $97,635,500 | 4,015 |
| Average equity | $13,253,000 | 3,912 |
| Average total loans | $8,868,500 | 5,259 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4447% | 5,346 |
| Cost of funding earning assets | 0.2104% | 4,963 |
| Net interest margin | 2.2342% | 5,297 |
| Noninterest income to average assets | 0.1222% | 5,068 |
| Noninterest expense to average assets | 1.3064% | 5,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8468% | 3,619 |
| Return on assets (ROA) | 0.8511% | 3,599 |
| Pretax return on assets | 0.9800% | 3,676 |
| Return on Equity (ROE) | 7.8566% | 3,502 |
| Retained earnings to average equity (ytd only) | 3.7236% | 3,527 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2634% | 4,255 |
| Assets per employee ($millions) | 8.3912% | 585 |
| Cash dividends to net income (ytd only)* | 52.6057% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7497% | 176 |
| 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 | 7.8461% | 5,360 |
| Net loans and leases to deposits | 8.9424% | 5,364 |
| Net loans and leases to core deposits | 9.3161% | 5,358 |
| Total domestic deposits to total assets | 87.7409% | 1,420 |
| Equity capital to assets | 12.1409% | 1,792 |
| Core capital (leverage) ratio | 13.0042% | 1,250 |
| Tier 1 risk-based capital ratio | 31.7823% | 396 |
| Total risk-based capital ratio | 32.3630% | 417 |
| Memoranda: | ||
| Average total assets | $119,488,000 | 3,792 |
| Average earning assets | $115,476,600 | 3,727 |
| Average equity | $12,944,600 | 3,892 |
| Average total loans | $8,772,600 | 5,310 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4167% | 5,419 |
| Cost of funding earning assets | 0.1969% | 5,029 |
| Net interest margin | 2.2198% | 5,377 |
| Noninterest income to average assets | 0.1212% | 5,131 |
| Noninterest expense to average assets | 1.2734% | 5,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8535% | 3,721 |
| Return on assets (ROA) | 0.8573% | 3,712 |
| Pretax return on assets | 0.9949% | 3,732 |
| Return on Equity (ROE) | 8.1326% | 3,493 |
| Retained earnings to average equity (ytd only) | 3.1598% | 4,166 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2470% | 4,355 |
| Assets per employee ($millions) | 9.2987% | 400 |
| Cash dividends to net income (ytd only)* | 61.1461% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5750% | 217 |
| 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 | 7.5743% | 5,438 |
| Net loans and leases to deposits | 8.5162% | 5,439 |
| Net loans and leases to core deposits | 8.8271% | 5,430 |
| Total domestic deposits to total assets | 88.9397% | 866 |
| Equity capital to assets | 10.8096% | 2,836 |
| Core capital (leverage) ratio | 10.7494% | 2,841 |
| Tier 1 risk-based capital ratio | 30.3940% | 458 |
| Total risk-based capital ratio | 30.9569% | 485 |
| Memoranda: | ||
| Average total assets | $122,088,500 | 3,797 |
| Average earning assets | $117,843,250 | 3,721 |
| Average equity | $12,869,750 | 3,932 |
| Average total loans | $8,765,500 | 5,378 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3216% | 5,487 |
| Cost of funding earning assets | 0.1782% | 5,115 |
| Net interest margin | 2.1434% | 5,451 |
| Noninterest income to average assets | 0.1192% | 5,195 |
| Noninterest expense to average assets | 1.2719% | 5,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7944% | 3,874 |
| Return on assets (ROA) | 0.8001% | 3,852 |
| Pretax return on assets | 0.9356% | 3,857 |
| Return on Equity (ROE) | 7.6539% | 3,648 |
| Retained earnings to average equity (ytd only) | 1.2496% | 4,704 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7893% | 4,269 |
| Assets per employee ($millions) | 8.7419% | 482 |
| Cash dividends to net income (ytd only)* | 83.6735% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7717% | 185 |
| 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 | 7.4698% | 5,500 |
| Net loans and leases to deposits | 8.4421% | 5,503 |
| Net loans and leases to core deposits | 8.7966% | 5,496 |
| Total domestic deposits to total assets | 88.4817% | 1,150 |
| Equity capital to assets | 11.3001% | 2,363 |
| Core capital (leverage) ratio | 11.0898% | 2,443 |
| Tier 1 risk-based capital ratio | 29.4393% | 496 |
| Total risk-based capital ratio | 29.9940% | 523 |
| Memoranda: | ||
| Average total assets | $122,490,330 | 3,817 |
| Average earning assets | $118,970,000 | 3,733 |
| Average equity | $12,804,000 | 3,958 |
| Average total loans | $8,554,670 | 5,441 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2005% | 5,562 |
| Cost of funding earning assets | 0.1777% | 5,124 |
| Net interest margin | 2.0228% | 5,537 |
| Noninterest income to average assets | 0.1481% | 5,123 |
| Noninterest expense to average assets | 1.2103% | 5,517 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8069% | 3,676 |
| Return on assets (ROA) | 0.8069% | 3,689 |
| Pretax return on assets | 0.9109% | 3,816 |
| Return on Equity (ROE) | 8.0094% | 3,364 |
| Retained earnings to average equity (ytd only) | 1.4392% | 4,510 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0579% | 4,457 |
| Assets per employee ($millions) | 8.8529% | 468 |
| Cash dividends to net income (ytd only)* | 82.0313% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8731% | 175 |
| 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 | 7.1085% | 5,562 |
| Net loans and leases to deposits | 8.0090% | 5,566 |
| Net loans and leases to core deposits | 8.3395% | 5,557 |
| Total domestic deposits to total assets | 88.7564% | 1,229 |
| Equity capital to assets | 11.1289% | 2,456 |
| Core capital (leverage) ratio | 10.6223% | 2,824 |
| Tier 1 risk-based capital ratio | 31.6481% | 419 |
| Total risk-based capital ratio | 32.2461% | 432 |
| Memoranda: | ||
| Average total assets | $126,913,000 | 3,780 |
| Average earning assets | $123,788,000 | 3,686 |
| Average equity | $12,785,000 | 3,996 |
| Average total loans | $8,466,500 | 5,502 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2307% | 5,596 |
| Cost of funding earning assets | 0.1722% | 5,143 |
| Net interest margin | 2.0585% | 5,567 |
| Noninterest income to average assets | 0.1069% | 5,387 |
| Noninterest expense to average assets | 1.2590% | 5,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7471% | 3,403 |
| Return on assets (ROA) | 0.7449% | 3,450 |
| Pretax return on assets | 0.8193% | 4,198 |
| Return on Equity (ROE) | 7.3524% | 3,098 |
| Retained earnings to average equity (ytd only) | 3.5563% | 3,143 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5058% | 4,184 |
| Assets per employee ($millions) | 10.6722% | 258 |
| Cash dividends to net income (ytd only)* | 51.6304% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8437% | 171 |
| 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 | 5.9594% | 5,632 |
| Net loans and leases to deposits | 6.5659% | 5,636 |
| Net loans and leases to core deposits | 6.7839% | 5,627 |
| Total domestic deposits to total assets | 90.7632% | 314 |
| Equity capital to assets | 9.1986% | 4,530 |
| Core capital (leverage) ratio | 9.7954% | 3,701 |
| Tier 1 risk-based capital ratio | 30.9015% | 423 |
| Total risk-based capital ratio | 31.4874% | 450 |
| Memoranda: | ||
| Average total assets | $123,513,800 | 3,844 |
| Average earning assets | $118,436,600 | 3,775 |
| Average equity | $12,513,000 | 4,054 |
| Average total loans | $9,206,600 | 5,554 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2698% | 5,656 |
| Cost of funding earning assets | 0.1732% | 5,174 |
| Net interest margin | 2.0966% | 5,622 |
| Noninterest income to average assets | 0.1203% | 5,397 |
| Noninterest expense to average assets | 1.2753% | 5,628 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7329% | 3,810 |
| Return on assets (ROA) | 0.7329% | 3,881 |
| Pretax return on assets | 0.8409% | 4,234 |
| Return on Equity (ROE) | 7.0462% | 3,634 |
| Retained earnings to average equity (ytd only) | 2.6022% | 4,333 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2632% | 4,167 |
| Assets per employee ($millions) | 9.9404% | 318 |
| Cash dividends to net income (ytd only)* | 63.0701% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3700% | 311 |
| 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 | 7.7145% | 5,693 |
| Net loans and leases to deposits | 8.5586% | 5,699 |
| Net loans and leases to core deposits | 8.8662% | 5,691 |
| Total domestic deposits to total assets | 90.1374% | 428 |
| Equity capital to assets | 9.7195% | 4,227 |
| Core capital (leverage) ratio | 10.2389% | 3,265 |
| Tier 1 risk-based capital ratio | 27.2168% | 610 |
| Total risk-based capital ratio | 27.7412% | 632 |
| Memoranda: | ||
| Average total assets | $119,707,750 | 3,945 |
| Average earning assets | $113,957,000 | 3,885 |
| Average equity | $12,450,750 | 4,105 |
| Average total loans | $9,380,750 | 5,610 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2293% | 5,708 |
| Cost of funding earning assets | 0.1647% | 5,246 |
| Net interest margin | 2.0646% | 5,679 |
| Noninterest income to average assets | 0.1424% | 5,346 |
| Noninterest expense to average assets | 1.2975% | 5,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7328% | 3,692 |
| Return on assets (ROA) | 0.7328% | 3,759 |
| Pretax return on assets | 0.8238% | 4,188 |
| Return on Equity (ROE) | 6.8791% | 3,620 |
| Retained earnings to average equity (ytd only) | 3.3349% | 3,732 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1650% | 4,140 |
| Assets per employee ($millions) | 9.8625% | 313 |
| Cash dividends to net income (ytd only)* | 51.5222% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5541% | 268 |
| 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 | 7.2014% | 5,745 |
| Net loans and leases to deposits | 7.9928% | 5,750 |
| Net loans and leases to core deposits | 8.2499% | 5,741 |
| Total domestic deposits to total assets | 90.0984% | 507 |
| Equity capital to assets | 9.7682% | 4,155 |
| Core capital (leverage) ratio | 10.9844% | 2,426 |
| Tier 1 risk-based capital ratio | 29.1317% | 502 |
| Total risk-based capital ratio | 29.6946% | 511 |
| Memoranda: | ||
| Average total assets | $116,535,330 | 4,017 |
| Average earning assets | $111,693,000 | 3,948 |
| Average equity | $12,414,330 | 4,125 |
| Average total loans | $9,104,000 | 5,667 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2596% | 5,775 |
| Cost of funding earning assets | 0.1569% | 5,322 |
| Net interest margin | 2.1027% | 5,741 |
| Noninterest income to average assets | 0.1626% | 5,305 |
| Noninterest expense to average assets | 1.3840% | 5,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7408% | 3,515 |
| Return on assets (ROA) | 0.7408% | 3,568 |
| Pretax return on assets | 0.8130% | 4,067 |
| Return on Equity (ROE) | 6.6346% | 3,588 |
| Retained earnings to average equity (ytd only) | 2.7509% | 4,032 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9934% | 3,992 |
| Assets per employee ($millions) | 9.0313% | 425 |
| Cash dividends to net income (ytd only)* | 58.5366% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6874% | 258 |
| 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 | 8.0858% | 5,812 |
| Net loans and leases to deposits | 9.1448% | 5,811 |
| Net loans and leases to core deposits | 9.4862% | 5,803 |
| Total domestic deposits to total assets | 88.4198% | 1,477 |
| Equity capital to assets | 11.4436% | 2,223 |
| Core capital (leverage) ratio | 11.3160% | 2,094 |
| Tier 1 risk-based capital ratio | 25.7367% | 707 |
| Total risk-based capital ratio | 26.2389% | 755 |
| Memoranda: | ||
| Average total assets | $110,697,000 | 4,159 |
| Average earning assets | $107,099,000 | 4,065 |
| Average equity | $12,359,500 | 4,154 |
| Average total loans | $8,918,500 | 5,733 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1912% | 5,826 |
| Cost of funding earning assets | 0.1680% | 5,297 |
| Net interest margin | 2.0232% | 5,802 |
| Noninterest income to average assets | 0.1479% | 5,459 |
| Noninterest expense to average assets | 1.5174% | 5,705 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6152% | 4,143 |
| Return on assets (ROA) | 0.6152% | 4,264 |
| Pretax return on assets | 0.5770% | 4,853 |
| Return on Equity (ROE) | 5.1266% | 4,361 |
| Retained earnings to average equity (ytd only) | 1.5347% | 4,648 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4509% | 2,519 |
| Assets per employee ($millions) | 8.6938% | 463 |
| Cash dividends to net income (ytd only)* | 70.0637% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7400% | 236 |
| 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 | 7.6005% | 5,872 |
| Net loans and leases to deposits | 8.5424% | 5,873 |
| Net loans and leases to core deposits | 8.8967% | 5,864 |
| Total domestic deposits to total assets | 88.9735% | 1,136 |
| Equity capital to assets | 10.8982% | 2,714 |
| Core capital (leverage) ratio | 11.3709% | 2,025 |
| Tier 1 risk-based capital ratio | 26.1086% | 699 |
| Total risk-based capital ratio | 26.6216% | 726 |
| Memoranda: | ||
| Average total assets | $102,084,600 | 4,320 |
| Average earning assets | $98,212,400 | 4,235 |
| Average equity | $12,249,800 | 4,213 |
| Average total loans | $8,045,800 | 5,810 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2131% | 5,891 |
| Cost of funding earning assets | 0.1675% | 5,368 |
| Net interest margin | 2.0457% | 5,864 |
| Noninterest income to average assets | 0.1677% | 5,426 |
| Noninterest expense to average assets | 1.5460% | 5,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6361% | 4,140 |
| Return on assets (ROA) | 0.6361% | 4,269 |
| Pretax return on assets | 0.5891% | 4,906 |
| Return on Equity (ROE) | 5.1662% | 4,447 |
| Retained earnings to average equity (ytd only) | 2.3325% | 4,526 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4073% | 2,514 |
| Assets per employee ($millions) | 8.1959% | 539 |
| Cash dividends to net income (ytd only)* | 54.8530% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9188% | 208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 7.5544% | 5,940 |
| Net loans and leases to deposits | 8.5614% | 5,941 |
| Net loans and leases to core deposits | 8.9672% | 5,931 |
| Total domestic deposits to total assets | 88.2381% | 1,273 |
| Equity capital to assets | 11.5846% | 2,448 |
| Core capital (leverage) ratio | 12.6735% | 1,324 |
| Tier 1 risk-based capital ratio | 27.0135% | 641 |
| Total risk-based capital ratio | 27.5431% | 675 |
| Memoranda: | ||
| Average total assets | $99,351,000 | 4,392 |
| Average earning assets | $95,549,000 | 4,313 |
| Average equity | $12,233,000 | 4,252 |
| Average total loans | $7,849,250 | 5,879 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2408% | 5,964 |
| Cost of funding earning assets | 0.1702% | 5,407 |
| Net interest margin | 2.0706% | 5,937 |
| Noninterest income to average assets | 0.1795% | 5,418 |
| Noninterest expense to average assets | 1.5760% | 5,778 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6416% | 4,087 |
| Return on assets (ROA) | 0.6416% | 4,227 |
| Pretax return on assets | 0.5859% | 4,920 |
| Return on Equity (ROE) | 5.0999% | 4,469 |
| Retained earnings to average equity (ytd only) | 2.3122% | 4,400 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9008% | 2,533 |
| Assets per employee ($millions) | 7.2985% | 765 |
| Cash dividends to net income (ytd only)* | 54.6624% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1077% | 171 |
| 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 | 7.9521% | 6,016 |
| Net loans and leases to deposits | 9.1481% | 6,020 |
| Net loans and leases to core deposits | 9.6454% | 6,010 |
| Total domestic deposits to total assets | 86.9257% | 1,950 |
| Equity capital to assets | 12.9320% | 1,546 |
| Core capital (leverage) ratio | 13.0426% | 1,130 |
| Tier 1 risk-based capital ratio | 26.6960% | 672 |
| Total risk-based capital ratio | 27.2225% | 705 |
| Memoranda: | ||
| Average total assets | $96,952,330 | 4,478 |
| Average earning assets | $92,824,670 | 4,406 |
| Average equity | $12,196,330 | 4,284 |
| Average total loans | $7,702,000 | 5,960 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1881% | 6,035 |
| Cost of funding earning assets | 0.1696% | 5,470 |
| Net interest margin | 2.0185% | 6,010 |
| Noninterest income to average assets | 0.1959% | 5,332 |
| Noninterest expense to average assets | 1.5430% | 5,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6572% | 3,944 |
| Return on assets (ROA) | 0.6572% | 4,066 |
| Pretax return on assets | 0.5960% | 4,831 |
| Return on Equity (ROE) | 5.2963% | 4,337 |
| Retained earnings to average equity (ytd only) | 2.0067% | 4,455 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1374% | 2,781 |
| Assets per employee ($millions) | 7.2418% | 804 |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4321% | 146 |
| 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 | 7.2325% | 6,079 |
| Net loans and leases to deposits | 8.3333% | 6,081 |
| Net loans and leases to core deposits | 8.7905% | 6,071 |
| Total domestic deposits to total assets | 86.7904% | 2,303 |
| Equity capital to assets | 12.9482% | 1,432 |
| Core capital (leverage) ratio | 12.7349% | 1,259 |
| Tier 1 risk-based capital ratio | 28.7534% | 562 |
| Total risk-based capital ratio | 29.3242% | 587 |
| Memoranda: | ||
| Average total assets | $97,988,000 | 4,499 |
| Average earning assets | $94,327,500 | 4,411 |
| Average equity | $12,159,500 | 4,308 |
| Average total loans | $7,659,500 | 6,021 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1102% | 6,090 |
| Cost of funding earning assets | 0.1934% | 5,334 |
| Net interest margin | 1.9169% | 6,060 |
| Noninterest income to average assets | 0.1630% | 5,606 |
| Noninterest expense to average assets | 1.5177% | 5,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5781% | 4,392 |
| Return on assets (ROA) | 0.5832% | 4,459 |
| Pretax return on assets | 0.5073% | 5,095 |
| Return on Equity (ROE) | 4.8022% | 4,605 |
| Retained earnings to average equity (ytd only) | 1.9676% | 4,605 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1378% | 2,407 |
| Assets per employee ($millions) | 7.8332% | 610 |
| Cash dividends to net income (ytd only)* | 59.0278% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9269% | 246 |
| 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 | 7.8816% | 6,137 |
| Net loans and leases to deposits | 8.9716% | 6,140 |
| Net loans and leases to core deposits | 9.5825% | 6,129 |
| Total domestic deposits to total assets | 87.8506% | 1,721 |
| Equity capital to assets | 11.9108% | 2,024 |
| Core capital (leverage) ratio | 12.4034% | 1,399 |
| Tier 1 risk-based capital ratio | 28.9447% | 555 |
| Total risk-based capital ratio | 29.5222% | 577 |
| Memoranda: | ||
| Average total assets | $98,765,000 | 4,479 |
| Average earning assets | $95,676,400 | 4,395 |
| Average equity | $11,994,400 | 4,306 |
| Average total loans | $8,828,800 | 6,038 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1162% | 6,177 |
| Cost of funding earning assets | 0.1981% | 5,392 |
| Net interest margin | 1.9181% | 6,151 |
| Noninterest income to average assets | 0.1701% | 5,629 |
| Noninterest expense to average assets | 1.5265% | 6,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5809% | 4,471 |
| Return on assets (ROA) | 0.5809% | 4,571 |
| Pretax return on assets | 0.5007% | 5,215 |
| Return on Equity (ROE) | 4.7599% | 4,730 |
| Retained earnings to average equity (ytd only) | 2.0288% | 4,864 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3020% | 2,351 |
| Assets per employee ($millions) | 7.5450% | 675 |
| Cash dividends to net income (ytd only)* | 57.3772% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5164% | 422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 9.5580% | 6,217 |
| Net loans and leases to deposits | 10.9356% | 6,221 |
| Net loans and leases to core deposits | 11.7144% | 6,212 |
| Total domestic deposits to total assets | 87.4028% | 1,844 |
| Equity capital to assets | 12.3108% | 1,867 |
| Core capital (leverage) ratio | 12.7186% | 1,307 |
| Tier 1 risk-based capital ratio | 28.7527% | 581 |
| Total risk-based capital ratio | 29.3290% | 602 |
| Memoranda: | ||
| Average total assets | $97,998,250 | 4,550 |
| Average earning assets | $94,885,250 | 4,460 |
| Average equity | $11,960,750 | 4,362 |
| Average total loans | $8,969,000 | 6,116 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0768% | 6,256 |
| Cost of funding earning assets | 0.1982% | 5,452 |
| Net interest margin | 1.8786% | 6,232 |
| Noninterest income to average assets | 0.1756% | 5,646 |
| Noninterest expense to average assets | 1.5474% | 6,084 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5389% | 4,616 |
| Return on assets (ROA) | 0.5389% | 4,726 |
| Pretax return on assets | 0.4471% | 5,360 |
| Return on Equity (ROE) | 4.4285% | 4,845 |
| Retained earnings to average equity (ytd only) | 0.7381% | 5,258 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5844% | 2,126 |
| Assets per employee ($millions) | 9.3129% | 332 |
| Cash dividends to net income (ytd only)* | 83.3333% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6396% | 403 |
| 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 | 8.7132% | 6,295 |
| Net loans and leases to deposits | 9.8927% | 6,299 |
| Net loans and leases to core deposits | 10.5591% | 6,288 |
| Total domestic deposits to total assets | 88.0772% | 1,612 |
| Equity capital to assets | 11.6524% | 2,287 |
| Core capital (leverage) ratio | 12.4983% | 1,385 |
| Tier 1 risk-based capital ratio | 28.9867% | 592 |
| Total risk-based capital ratio | 29.5743% | 618 |
| Memoranda: | ||
| Average total assets | $97,969,330 | 4,594 |
| Average earning assets | $94,857,670 | 4,499 |
| Average equity | $11,922,670 | 4,392 |
| Average total loans | $8,753,000 | 6,192 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1145% | 6,324 |
| Cost of funding earning assets | 0.2119% | 5,399 |
| Net interest margin | 1.9027% | 6,298 |
| Noninterest income to average assets | 0.1922% | 5,556 |
| Noninterest expense to average assets | 1.5794% | 6,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5641% | 4,433 |
| Return on assets (ROA) | 0.5641% | 4,532 |
| Pretax return on assets | 0.4513% | 5,313 |
| Return on Equity (ROE) | 4.5319% | 4,745 |
| Retained earnings to average equity (ytd only) | 1.5106% | 4,883 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 2,216 |
| Assets per employee ($millions) | 7.5452% | 664 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9038% | 325 |
| 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 | 8.2498% | 6,370 |
| Net loans and leases to deposits | 9.4241% | 6,372 |
| Net loans and leases to core deposits | 10.0932% | 6,362 |
| Total domestic deposits to total assets | 87.5396% | 2,082 |
| Equity capital to assets | 12.1708% | 1,911 |
| Core capital (leverage) ratio | 12.7082% | 1,272 |
| Tier 1 risk-based capital ratio | 29.7291% | 551 |
| Total risk-based capital ratio | 30.3317% | 579 |
| Memoranda: | ||
| Average total assets | $95,733,000 | 4,673 |
| Average earning assets | $92,502,000 | 4,585 |
| Average equity | $11,915,500 | 4,425 |
| Average total loans | $8,545,500 | 6,267 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3461% | 6,366 |
| Cost of funding earning assets | 0.2351% | 5,466 |
| Net interest margin | 2.1110% | 6,338 |
| Noninterest income to average assets | 0.1770% | 5,797 |
| Noninterest expense to average assets | 1.6378% | 6,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5960% | 4,391 |
| Return on assets (ROA) | 0.5960% | 4,477 |
| Pretax return on assets | 0.5512% | 5,099 |
| Return on Equity (ROE) | 4.4888% | 4,895 |
| Retained earnings to average equity (ytd only) | 0.6075% | 5,501 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8209% | 2,690 |
| Assets per employee ($millions) | 7.1830% | 764 |
| Cash dividends to net income (ytd only)* | 86.4662% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7635% | 389 |
| 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 | 9.1188% | 6,457 |
| Net loans and leases to deposits | 10.4867% | 6,460 |
| Net loans and leases to core deposits | 11.2323% | 6,448 |
| Total domestic deposits to total assets | 86.9553% | 2,312 |
| Equity capital to assets | 12.7363% | 1,512 |
| Core capital (leverage) ratio | 13.0314% | 1,124 |
| Tier 1 risk-based capital ratio | 28.8175% | 579 |
| Total risk-based capital ratio | 29.4039% | 597 |
| Memoranda: | ||
| Average total assets | $89,265,000 | 4,853 |
| Average earning assets | $85,078,200 | 4,757 |
| Average equity | $11,851,800 | 4,387 |
| Average total loans | $8,919,000 | 6,343 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3725% | 6,445 |
| Cost of funding earning assets | 0.2387% | 5,524 |
| Net interest margin | 2.1338% | 6,413 |
| Noninterest income to average assets | 0.1874% | 5,796 |
| Noninterest expense to average assets | 1.6259% | 6,268 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6120% | 4,389 |
| Return on assets (ROA) | 0.6120% | 4,478 |
| Pretax return on assets | 0.5878% | 5,062 |
| Return on Equity (ROE) | 4.5601% | 4,935 |
| Retained earnings to average equity (ytd only) | 0.6193% | 5,621 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4471% | 2,911 |
| Assets per employee ($millions) | 7.0927% | 779 |
| Cash dividends to net income (ytd only)* | 86.4201% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4246% | 708 |
| Loan loss allowance to noncurrent loans | 284.7059% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 5,795 |
| Noncurrent loans to loans | 0.8516% | 3,436 |
| Net loans and leases to total assets | 10.5623% | 6,531 |
| Net loans and leases to deposits | 12.1739% | 6,532 |
| Net loans and leases to core deposits | 13.1407% | 6,520 |
| Total domestic deposits to total assets | 86.7621% | 2,444 |
| Equity capital to assets | 12.8800% | 1,487 |
| Core capital (leverage) ratio | 13.5678% | 975 |
| Tier 1 risk-based capital ratio | 28.4346% | 619 |
| Total risk-based capital ratio | 29.0140% | 642 |
| Memoranda: | ||
| Average total assets | $88,236,500 | 4,936 |
| Average earning assets | $83,791,000 | 4,843 |
| Average equity | $11,841,500 | 4,417 |
| Average total loans | $8,959,500 | 6,413 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3439% | 6,514 |
| Cost of funding earning assets | 0.2392% | 5,592 |
| Net interest margin | 2.1048% | 6,491 |
| Noninterest income to average assets | 0.2071% | 5,712 |
| Noninterest expense to average assets | 1.6591% | 6,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5937% | 4,384 |
| Return on assets (ROA) | 0.5937% | 4,480 |
| Pretax return on assets | 0.5730% | 5,042 |
| Return on Equity (ROE) | 4.3618% | 4,992 |
| Retained earnings to average equity (ytd only) | 0.4734% | 5,554 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3299% | 2,918 |
| Assets per employee ($millions) | 6.6380% | 950 |
| Cash dividends to net income (ytd only)* | 89.1473% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5982% | 614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 10.5129% | 6,600 |
| Net loans and leases to deposits | 12.2370% | 6,601 |
| Net loans and leases to core deposits | 13.2939% | 6,589 |
| Total domestic deposits to total assets | 85.9110% | 3,087 |
| Equity capital to assets | 13.7310% | 1,073 |
| Core capital (leverage) ratio | 13.6075% | 948 |
| Tier 1 risk-based capital ratio | 27.9510% | 647 |
| Total risk-based capital ratio | 28.5219% | 672 |
| Memoranda: | ||
| Average total assets | $86,913,670 | 5,001 |
| Average earning assets | $83,619,670 | 4,880 |
| Average equity | $11,830,000 | 4,432 |
| Average total loans | $8,619,000 | 6,484 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3202% | 6,594 |
| Cost of funding earning assets | 0.2387% | 5,684 |
| Net interest margin | 2.0815% | 6,565 |
| Noninterest income to average assets | 0.2110% | 5,667 |
| Noninterest expense to average assets | 1.6142% | 6,420 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5916% | 4,233 |
| Return on assets (ROA) | 0.5916% | 4,312 |
| Pretax return on assets | 0.5962% | 4,845 |
| Return on Equity (ROE) | 4.3653% | 4,857 |
| Retained earnings to average equity (ytd only) | -0.0338% | 5,559 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0290% | 3,309 |
| Assets per employee ($millions) | 6.7513% | 900 |
| Cash dividends to net income (ytd only)* | 100.7752% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8975% | 486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 9.2404% | 6,673 |
| Net loans and leases to deposits | 10.7336% | 6,676 |
| Net loans and leases to core deposits | 11.6830% | 6,664 |
| Total domestic deposits to total assets | 86.0882% | 3,318 |
| Equity capital to assets | 13.4675% | 1,108 |
| Core capital (leverage) ratio | 13.8806% | 856 |
| Tier 1 risk-based capital ratio | 27.7309% | 656 |
| Total risk-based capital ratio | 28.2986% | 700 |
| Memoranda: | ||
| Average total assets | $87,223,500 | 5,039 |
| Average earning assets | $83,787,500 | 4,922 |
| Average equity | $11,820,500 | 4,441 |
| Average total loans | $8,271,500 | 6,566 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6160% | 6,583 |
| Cost of funding earning assets | 0.2623% | 5,892 |
| Net interest margin | 2.3536% | 6,484 |
| Noninterest income to average assets | 0.1999% | 5,890 |
| Noninterest expense to average assets | 1.7467% | 6,391 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6244% | 4,139 |
| Return on assets (ROA) | 0.6244% | 4,256 |
| Pretax return on assets | 0.7131% | 4,492 |
| Return on Equity (ROE) | 4.4926% | 4,896 |
| Retained earnings to average equity (ytd only) | 0.8509% | 5,457 |
| Net charge-offs to loans | 0.0887% | 3,959 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 75.3750% | 574 |
| Efficiency ratio | 71.0096% | 3,668 |
| Assets per employee ($millions) | 6.6677% | 910 |
| Cash dividends to net income (ytd only)* | 81.0606% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9545% | 496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 9.1705% | 6,755 |
| Net loans and leases to deposits | 10.6645% | 6,757 |
| Net loans and leases to core deposits | 11.4951% | 6,746 |
| Total domestic deposits to total assets | 85.9910% | 3,261 |
| Equity capital to assets | 13.6375% | 1,020 |
| Core capital (leverage) ratio | 13.9046% | 852 |
| Tier 1 risk-based capital ratio | 27.3198% | 652 |
| Total risk-based capital ratio | 27.8791% | 698 |
| Memoranda: | ||
| Average total assets | $84,557,800 | 5,129 |
| Average earning assets | $81,194,200 | 5,006 |
| Average equity | $11,752,600 | 4,498 |
| Average total loans | $9,020,000 | 6,618 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7032% | 6,622 |
| Cost of funding earning assets | 0.2650% | 5,991 |
| Net interest margin | 2.4382% | 6,481 |
| Noninterest income to average assets | 0.2142% | 5,899 |
| Noninterest expense to average assets | 1.7422% | 6,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6823% | 3,941 |
| Return on assets (ROA) | 0.6823% | 4,083 |
| Pretax return on assets | 0.8077% | 4,263 |
| Return on Equity (ROE) | 4.8853% | 4,781 |
| Retained earnings to average equity (ytd only) | 0.9885% | 5,583 |
| Net charge-offs to loans | 0.1156% | 3,389 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 63.6036% | 718 |
| Efficiency ratio | 68.3261% | 4,032 |
| Assets per employee ($millions) | 6.6733% | 863 |
| Cash dividends to net income (ytd only)* | 79.7670% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4699% | 965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 11.0152% | 6,830 |
| Net loans and leases to deposits | 12.8127% | 6,829 |
| Net loans and leases to core deposits | 13.7597% | 6,819 |
| Total domestic deposits to total assets | 85.9705% | 3,265 |
| Equity capital to assets | 13.6111% | 1,073 |
| Core capital (leverage) ratio | 14.1101% | 843 |
| Tier 1 risk-based capital ratio | 25.3848% | 847 |
| Total risk-based capital ratio | 25.9051% | 898 |
| Memoranda: | ||
| Average total assets | $84,027,250 | 5,187 |
| Average earning assets | $80,495,000 | 5,077 |
| Average equity | $11,735,500 | 4,552 |
| Average total loans | $9,227,250 | 6,690 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7526% | 6,629 |
| Cost of funding earning assets | 0.2713% | 6,041 |
| Net interest margin | 2.4813% | 6,469 |
| Noninterest income to average assets | 0.2238% | 5,842 |
| Noninterest expense to average assets | 1.7806% | 6,404 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6978% | 3,815 |
| Return on assets (ROA) | 0.6978% | 3,990 |
| Pretax return on assets | 0.8422% | 4,148 |
| Return on Equity (ROE) | 4.9525% | 4,754 |
| Retained earnings to average equity (ytd only) | 0.8026% | 5,578 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8899% | 4,201 |
| Assets per employee ($millions) | 6.4128% | 948 |
| Cash dividends to net income (ytd only)* | 83.7931% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6369% | 846 |
| 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 | 11.0727% | 6,876 |
| Net loans and leases to deposits | 12.9578% | 6,881 |
| Net loans and leases to core deposits | 13.9635% | 6,870 |
| Total domestic deposits to total assets | 85.4523% | 3,668 |
| Equity capital to assets | 14.1159% | 933 |
| Core capital (leverage) ratio | 14.0599% | 809 |
| Tier 1 risk-based capital ratio | 24.3241% | 961 |
| Total risk-based capital ratio | 24.8408% | 1,029 |
| Memoranda: | ||
| Average total assets | $83,118,670 | 5,245 |
| Average earning assets | $80,360,670 | 5,109 |
| Average equity | $11,711,330 | 4,587 |
| Average total loans | $9,037,000 | 6,740 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6408% | 6,765 |
| Cost of funding earning assets | 0.2746% | 6,133 |
| Net interest margin | 2.3663% | 6,630 |
| Noninterest income to average assets | 0.2362% | 5,768 |
| Noninterest expense to average assets | 1.7640% | 6,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6362% | 4,043 |
| Return on assets (ROA) | 0.6362% | 4,203 |
| Pretax return on assets | 0.7567% | 4,344 |
| Return on Equity (ROE) | 4.5194% | 4,835 |
| Retained earnings to average equity (ytd only) | -2.6021% | 6,151 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9809% | 3,978 |
| Assets per employee ($millions) | 6.4025% | 1,023 |
| Cash dividends to net income (ytd only)* | 157.5758% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8588% | 770 |
| 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 | 10.2064% | 6,952 |
| Net loans and leases to deposits | 11.9233% | 6,957 |
| Net loans and leases to core deposits | 12.8480% | 6,945 |
| Total domestic deposits to total assets | 85.6005% | 3,740 |
| Equity capital to assets | 13.9910% | 1,028 |
| Core capital (leverage) ratio | 14.2078% | 743 |
| Tier 1 risk-based capital ratio | 23.3325% | 1,106 |
| Total risk-based capital ratio | 23.8334% | 1,206 |
| Memoranda: | ||
| Average total assets | $82,994,500 | 5,300 |
| Average earning assets | $80,126,500 | 5,149 |
| Average equity | $11,683,000 | 4,634 |
| Average total loans | $8,815,000 | 6,820 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0124% | 6,765 |
| Cost of funding earning assets | 0.3346% | 6,297 |
| Net interest margin | 2.6778% | 6,549 |
| Noninterest income to average assets | 0.2138% | 5,895 |
| Noninterest expense to average assets | 1.9050% | 6,486 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6767% | 3,848 |
| Return on assets (ROA) | 0.6767% | 4,119 |
| Pretax return on assets | 0.8500% | 4,107 |
| Return on Equity (ROE) | 4.6188% | 4,873 |
| Retained earnings to average equity (ytd only) | 2.5037% | 4,469 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1460% | 3,948 |
| Assets per employee ($millions) | 5.9112% | 1,352 |
| Cash dividends to net income (ytd only)* | 45.7944% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8137% | 810 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 10.4342% | 7,010 |
| Net loans and leases to deposits | 12.2065% | 7,013 |
| Net loans and leases to core deposits | 13.1101% | 7,003 |
| Total domestic deposits to total assets | 85.4804% | 3,621 |
| Equity capital to assets | 14.1632% | 982 |
| Core capital (leverage) ratio | 14.6268% | 648 |
| Tier 1 risk-based capital ratio | 23.1311% | 1,092 |
| Total risk-based capital ratio | 23.6245% | 1,173 |
| Memoranda: | ||
| Average total assets | $79,056,200 | 5,380 |
| Average earning assets | $75,023,000 | 5,279 |
| Average equity | $11,583,000 | 4,654 |
| Average total loans | $8,793,000 | 6,892 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0877% | 6,854 |
| Cost of funding earning assets | 0.3459% | 6,398 |
| Net interest margin | 2.7418% | 6,586 |
| Noninterest income to average assets | 0.2167% | 5,989 |
| Noninterest expense to average assets | 1.9147% | 6,501 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7065% | 3,887 |
| Return on assets (ROA) | 0.7065% | 4,124 |
| Pretax return on assets | 0.8993% | 4,097 |
| Return on Equity (ROE) | 4.7798% | 4,931 |
| Retained earnings to average equity (ytd only) | 2.7016% | 4,936 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0412% | 4,055 |
| Assets per employee ($millions) | 5.6591% | 1,492 |
| Cash dividends to net income (ytd only)* | 43.4772% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5573% | 1,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 12.0235% | 7,105 |
| Net loans and leases to deposits | 14.1836% | 7,111 |
| Net loans and leases to core deposits | 15.2935% | 7,100 |
| Total domestic deposits to total assets | 84.7705% | 3,851 |
| Equity capital to assets | 14.7233% | 897 |
| Core capital (leverage) ratio | 15.2815% | 569 |
| Tier 1 risk-based capital ratio | 21.8971% | 1,348 |
| Total risk-based capital ratio | 22.3663% | 1,469 |
| Memoranda: | ||
| Average total assets | $78,131,000 | 5,457 |
| Average earning assets | $74,012,250 | 5,368 |
| Average equity | $11,548,500 | 4,706 |
| Average total loans | $8,770,000 | 6,986 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0449% | 6,958 |
| Cost of funding earning assets | 0.3598% | 6,467 |
| Net interest margin | 2.6851% | 6,725 |
| Noninterest income to average assets | 0.2392% | 5,857 |
| Noninterest expense to average assets | 1.9237% | 6,560 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6713% | 4,011 |
| Return on assets (ROA) | 0.6713% | 4,274 |
| Pretax return on assets | 0.8487% | 4,285 |
| Return on Equity (ROE) | 4.5353% | 5,020 |
| Retained earnings to average equity (ytd only) | 2.2763% | 5,053 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3878% | 3,871 |
| Assets per employee ($millions) | 5.3680% | 1,740 |
| Cash dividends to net income (ytd only)* | 49.8084% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8380% | 912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 11.3889% | 7,173 |
| Net loans and leases to deposits | 13.5397% | 7,176 |
| Net loans and leases to core deposits | 14.6704% | 7,169 |
| Total domestic deposits to total assets | 84.1149% | 4,269 |
| Equity capital to assets | 15.3848% | 703 |
| Core capital (leverage) ratio | 15.2908% | 547 |
| Tier 1 risk-based capital ratio | 22.0237% | 1,287 |
| Total risk-based capital ratio | 22.4999% | 1,404 |
| Memoranda: | ||
| Average total assets | $77,765,330 | 5,502 |
| Average earning assets | $73,368,670 | 5,421 |
| Average equity | $11,509,670 | 4,711 |
| Average total loans | $8,434,670 | 7,055 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0525% | 7,029 |
| Cost of funding earning assets | 0.3661% | 6,569 |
| Net interest margin | 2.6864% | 6,791 |
| Noninterest income to average assets | 0.2529% | 5,828 |
| Noninterest expense to average assets | 1.7655% | 6,832 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7841% | 3,452 |
| Return on assets (ROA) | 0.7841% | 3,694 |
| Pretax return on assets | 1.0117% | 3,639 |
| Return on Equity (ROE) | 5.3991% | 4,594 |
| Retained earnings to average equity (ytd only) | 3.6574% | 4,388 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5701% | 5,009 |
| Assets per employee ($millions) | 5.6573% | 1,559 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1364% | 724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 9.7485% | 7,241 |
| Net loans and leases to deposits | 11.4693% | 7,244 |
| Net loans and leases to core deposits | 12.3637% | 7,237 |
| Total domestic deposits to total assets | 84.9966% | 4,037 |
| Equity capital to assets | 14.5653% | 846 |
| Core capital (leverage) ratio | 14.4897% | 691 |
| Tier 1 risk-based capital ratio | 22.2987% | 1,240 |
| Total risk-based capital ratio | 22.7819% | 1,346 |
| Memoranda: | ||
| Average total assets | $79,072,000 | 5,508 |
| Average earning assets | $74,299,000 | 5,420 |
| Average equity | $11,483,500 | 4,734 |
| Average total loans | $8,247,500 | 7,126 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2658% | 7,100 |
| Cost of funding earning assets | 0.4418% | 6,762 |
| Net interest margin | 2.8240% | 6,795 |
| Noninterest income to average assets | 0.2395% | 5,823 |
| Noninterest expense to average assets | 1.8387% | 6,911 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7613% | 3,214 |
| Return on assets (ROA) | 0.7640% | 3,365 |
| Pretax return on assets | 1.0268% | 3,134 |
| Return on Equity (ROE) | 5.5055% | 4,131 |
| Retained earnings to average equity (ytd only) | 2.0978% | 4,719 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2489% | 5,085 |
| Assets per employee ($millions) | 5.6387% | 1,496 |
| Cash dividends to net income (ytd only)* | 61.8971% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9329% | 870 |
| 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 | 10.4811% | 7,288 |
| Net loans and leases to deposits | 12.3141% | 7,292 |
| Net loans and leases to core deposits | 13.2758% | 7,284 |
| Total domestic deposits to total assets | 85.1144% | 3,778 |
| Equity capital to assets | 14.4803% | 904 |
| Core capital (leverage) ratio | 14.0630% | 815 |
| Tier 1 risk-based capital ratio | 24.1865% | 951 |
| Total risk-based capital ratio | 24.7154% | 1,017 |
| Memoranda: | ||
| Average total assets | $81,416,000 | 5,422 |
| Average earning assets | $75,601,600 | 5,357 |
| Average equity | $11,297,800 | 4,716 |
| Average total loans | $9,005,200 | 7,145 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2737% | 7,185 |
| Cost of funding earning assets | 0.4455% | 6,894 |
| Net interest margin | 2.8282% | 6,857 |
| Noninterest income to average assets | 0.2568% | 5,788 |
| Noninterest expense to average assets | 1.8252% | 6,957 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7850% | 3,232 |
| Return on assets (ROA) | 0.7850% | 3,400 |
| Pretax return on assets | 1.0629% | 3,157 |
| Return on Equity (ROE) | 5.7169% | 4,165 |
| Retained earnings to average equity (ytd only) | 1.5150% | 5,377 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1964% | 5,197 |
| Assets per employee ($millions) | 5.8135% | 1,338 |
| Cash dividends to net income (ytd only)* | 73.4992% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5869% | 1,286 |
| 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 | 11.5667% | 7,355 |
| Net loans and leases to deposits | 13.5142% | 7,361 |
| Net loans and leases to core deposits | 14.5287% | 7,353 |
| Total domestic deposits to total assets | 85.5890% | 3,449 |
| Equity capital to assets | 13.9110% | 1,191 |
| Core capital (leverage) ratio | 13.6203% | 1,009 |
| Tier 1 risk-based capital ratio | 22.9776% | 1,151 |
| Total risk-based capital ratio | 23.4850% | 1,226 |
| Memoranda: | ||
| Average total assets | $82,034,500 | 5,437 |
| Average earning assets | $76,324,000 | 5,372 |
| Average equity | $11,264,500 | 4,740 |
| Average total loans | $9,125,500 | 7,214 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2397% | 7,271 |
| Cost of funding earning assets | 0.4434% | 7,033 |
| Net interest margin | 2.7963% | 6,930 |
| Noninterest income to average assets | 0.2675% | 5,735 |
| Noninterest expense to average assets | 1.8140% | 7,070 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7781% | 3,162 |
| Return on assets (ROA) | 0.7781% | 3,289 |
| Pretax return on assets | 1.0602% | 3,009 |
| Return on Equity (ROE) | 5.6913% | 4,120 |
| Retained earnings to average equity (ytd only) | -0.6225% | 5,988 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1134% | 5,384 |
| Assets per employee ($millions) | 5.8121% | 1,297 |
| Cash dividends to net income (ytd only)* | 110.9375% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6291% | 1,272 |
| 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 | 11.3790% | 7,436 |
| Net loans and leases to deposits | 13.2609% | 7,444 |
| Net loans and leases to core deposits | 14.2532% | 7,431 |
| Total domestic deposits to total assets | 85.8091% | 3,435 |
| Equity capital to assets | 13.7141% | 1,201 |
| Core capital (leverage) ratio | 13.6553% | 952 |
| Tier 1 risk-based capital ratio | 22.5407% | 1,187 |
| Total risk-based capital ratio | 23.0457% | 1,260 |
| Memoranda: | ||
| Average total assets | $82,249,670 | 5,483 |
| Average earning assets | $76,672,670 | 5,409 |
| Average equity | $11,245,330 | 4,751 |
| Average total loans | $8,946,000 | 7,286 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0901% | 7,380 |
| Cost of funding earning assets | 0.4251% | 7,172 |
| Net interest margin | 2.6649% | 7,056 |
| Noninterest income to average assets | 0.3676% | 4,971 |
| Noninterest expense to average assets | 1.6447% | 7,275 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9143% | 2,495 |
| Return on assets (ROA) | 0.9143% | 2,552 |
| Pretax return on assets | 1.2093% | 2,342 |
| Return on Equity (ROE) | 6.6971% | 3,535 |
| Retained earnings to average equity (ytd only) | 6.6971% | 2,280 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6271% | 6,310 |
| Assets per employee ($millions) | 6.2388% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8713% | 1,038 |
| 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 | 10.4272% | 7,499 |
| Net loans and leases to deposits | 12.1947% | 7,509 |
| Net loans and leases to core deposits | 13.1135% | 7,493 |
| Total domestic deposits to total assets | 85.5064% | 3,779 |
| Equity capital to assets | 14.0349% | 1,002 |
| Core capital (leverage) ratio | 13.9914% | 852 |
| Tier 1 risk-based capital ratio | 22.3345% | 1,171 |
| Total risk-based capital ratio | 22.8250% | 1,280 |
| Memoranda: | ||
| Average total assets | $82,690,000 | 5,505 |
| Average earning assets | $77,150,000 | 5,442 |
| Average equity | $11,288,500 | 4,723 |
| Average total loans | $8,664,500 | 7,354 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2961% | 7,446 |
| Cost of funding earning assets | 0.4296% | 7,400 |
| Net interest margin | 2.8666% | 6,943 |
| Noninterest income to average assets | 0.2545% | 5,977 |
| Noninterest expense to average assets | 1.9590% | 7,087 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6516% | 3,434 |
| Return on assets (ROA) | 0.6543% | 3,564 |
| Pretax return on assets | 0.9499% | 3,104 |
| Return on Equity (ROE) | 4.5207% | 4,289 |
| Retained earnings to average equity (ytd only) | 0.0355% | 5,563 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4336% | 4,681 |
| Assets per employee ($millions) | 6.0196% | 1,199 |
| Cash dividends to net income (ytd only)* | 99.2141% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8996% | 958 |
| 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 | 9.9341% | 7,585 |
| Net loans and leases to deposits | 11.5093% | 7,593 |
| Net loans and leases to core deposits | 12.2876% | 7,578 |
| Total domestic deposits to total assets | 86.3139% | 3,192 |
| Equity capital to assets | 13.2827% | 1,264 |
| Core capital (leverage) ratio | 14.1447% | 816 |
| Tier 1 risk-based capital ratio | 21.8075% | 1,204 |
| Total risk-based capital ratio | 22.2945% | 1,289 |
| Memoranda: | ||
| Average total assets | $77,795,600 | 5,652 |
| Average earning assets | $71,932,800 | 5,605 |
| Average equity | $11,259,400 | 4,802 |
| Average total loans | $9,534,400 | 7,414 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3825% | 7,566 |
| Cost of funding earning assets | 0.4368% | 7,529 |
| Net interest margin | 2.9457% | 6,936 |
| Noninterest income to average assets | 0.2503% | 6,097 |
| Noninterest expense to average assets | 1.9551% | 7,126 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6879% | 3,476 |
| Return on assets (ROA) | 0.6879% | 3,630 |
| Pretax return on assets | 1.0099% | 3,147 |
| Return on Equity (ROE) | 4.6471% | 4,479 |
| Retained earnings to average equity (ytd only) | 2.3412% | 4,767 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9386% | 4,873 |
| Assets per employee ($millions) | 5.4757% | 1,647 |
| Cash dividends to net income (ytd only)* | 49.6174% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4495% | 1,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 12.9872% | 7,675 |
| Net loans and leases to deposits | 15.3751% | 7,687 |
| Net loans and leases to core deposits | 16.4155% | 7,673 |
| Total domestic deposits to total assets | 84.4691% | 3,888 |
| Equity capital to assets | 14.8552% | 933 |
| Core capital (leverage) ratio | 15.1883% | 677 |
| Tier 1 risk-based capital ratio | 21.9540% | 1,213 |
| Total risk-based capital ratio | 22.4360% | 1,304 |
| Memoranda: | ||
| Average total assets | $76,175,750 | 5,763 |
| Average earning assets | $70,203,250 | 5,730 |
| Average equity | $11,275,750 | 4,863 |
| Average total loans | $9,762,500 | 7,503 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3351% | 7,651 |
| Cost of funding earning assets | 0.4322% | 7,629 |
| Net interest margin | 2.9030% | 7,008 |
| Noninterest income to average assets | 0.2473% | 6,141 |
| Noninterest expense to average assets | 2.0075% | 7,096 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6236% | 3,763 |
| Return on assets (ROA) | 0.6236% | 3,900 |
| Pretax return on assets | 0.9261% | 3,399 |
| Return on Equity (ROE) | 4.2177% | 4,678 |
| Retained earnings to average equity (ytd only) | 1.2813% | 5,240 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4305% | 4,494 |
| Assets per employee ($millions) | 5.3881% | 1,718 |
| Cash dividends to net income (ytd only)* | 69.6203% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5245% | 1,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 12.7968% | 7,744 |
| Net loans and leases to deposits | 15.1410% | 7,757 |
| Net loans and leases to core deposits | 16.1149% | 7,745 |
| Total domestic deposits to total assets | 84.5174% | 3,859 |
| Equity capital to assets | 14.9298% | 899 |
| Core capital (leverage) ratio | 15.1012% | 705 |
| Tier 1 risk-based capital ratio | 22.7948% | 1,086 |
| Total risk-based capital ratio | 23.3008% | 1,168 |
| Memoranda: | ||
| Average total assets | $76,014,330 | 5,802 |
| Average earning assets | $70,341,670 | 5,755 |
| Average equity | $11,238,330 | 4,870 |
| Average total loans | $9,614,670 | 7,568 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2718% | 7,762 |
| Cost of funding earning assets | 0.4415% | 7,743 |
| Net interest margin | 2.8303% | 7,139 |
| Noninterest income to average assets | 0.2673% | 6,015 |
| Noninterest expense to average assets | 1.9291% | 7,286 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6448% | 3,693 |
| Return on assets (ROA) | 0.6448% | 3,809 |
| Pretax return on assets | 0.9593% | 3,236 |
| Return on Equity (ROE) | 4.3825% | 4,715 |
| Retained earnings to average equity (ytd only) | 2.6010% | 4,583 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7877% | 4,956 |
| Assets per employee ($millions) | 5.3941% | 1,771 |
| Cash dividends to net income (ytd only)* | 40.6504% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7177% | 1,069 |
| 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 | 11.8503% | 7,849 |
| Net loans and leases to deposits | 14.0130% | 7,859 |
| Net loans and leases to core deposits | 14.8502% | 7,845 |
| Total domestic deposits to total assets | 84.5664% | 3,865 |
| Equity capital to assets | 14.9145% | 899 |
| Core capital (leverage) ratio | 14.6717% | 810 |
| Tier 1 risk-based capital ratio | 23.0601% | 1,064 |
| Total risk-based capital ratio | 23.5719% | 1,137 |
| Memoranda: | ||
| Average total assets | $76,305,000 | 5,871 |
| Average earning assets | $70,664,000 | 5,827 |
| Average equity | $11,226,500 | 4,917 |
| Average total loans | $9,470,500 | 7,672 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9272% | 7,887 |
| Cost of funding earning assets | 0.5295% | 7,818 |
| Net interest margin | 2.3977% | 7,514 |
| Noninterest income to average assets | 0.2608% | 6,248 |
| Noninterest expense to average assets | 1.6333% | 7,750 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5926% | 3,360 |
| Return on assets (ROA) | 0.5926% | 3,440 |
| Pretax return on assets | 0.8818% | 2,982 |
| Return on Equity (ROE) | 4.5013% | 3,882 |
| Retained earnings to average equity (ytd only) | 1.7555% | 3,858 |
| Net charge-offs to loans | 0.0282% | 6,852 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 248.0000% | 110 |
| Efficiency ratio | 64.9387% | 5,597 |
| Assets per employee ($millions) | 5.5066% | 1,637 |
| Cash dividends to net income (ytd only)* | 61.0000% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5662% | 1,156 |
| 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 | 12.3124% | 7,925 |
| Net loans and leases to deposits | 14.4847% | 7,933 |
| Net loans and leases to core deposits | 17.1596% | 7,931 |
| Total domestic deposits to total assets | 85.0025% | 3,548 |
| Equity capital to assets | 14.5149% | 1,018 |
| Core capital (leverage) ratio | 14.4257% | 899 |
| Tier 1 risk-based capital ratio | 23.2302% | 1,019 |
| Total risk-based capital ratio | 23.7492% | 1,068 |
| Memoranda: | ||
| Average total assets | $84,368,200 | 5,582 |
| Average earning assets | $79,324,600 | 5,479 |
| Average equity | $11,107,800 | 4,991 |
| Average total loans | $10,622,000 | 7,675 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7864% | 7,997 |
| Cost of funding earning assets | 0.5474% | 7,917 |
| Net interest margin | 2.2390% | 7,693 |
| Noninterest income to average assets | 0.2599% | 6,370 |
| Noninterest expense to average assets | 1.5238% | 7,879 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5724% | 3,720 |
| Return on assets (ROA) | 0.5724% | 3,786 |
| Pretax return on assets | 0.8493% | 3,379 |
| Return on Equity (ROE) | 4.4494% | 4,185 |
| Retained earnings to average equity (ytd only) | 2.2247% | 4,085 |
| Net charge-offs to loans | 0.0369% | 6,387 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 182.9950% | 214 |
| Efficiency ratio | 64.2112% | 5,702 |
| Assets per employee ($millions) | 5.5953% | 1,516 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2296% | 1,376 |
| 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 | 13.9952% | 8,000 |
| Net loans and leases to deposits | 16.4373% | 8,010 |
| Net loans and leases to core deposits | 19.3576% | 8,008 |
| Total domestic deposits to total assets | 85.1431% | 3,155 |
| Equity capital to assets | 14.2722% | 1,216 |
| Core capital (leverage) ratio | 13.7747% | 1,148 |
| Tier 1 risk-based capital ratio | 24.0985% | 992 |
| Total risk-based capital ratio | 24.6373% | 1,037 |
| Memoranda: | ||
| Average total assets | $86,187,000 | 5,547 |
| Average earning assets | $81,345,250 | 5,443 |
| Average equity | $11,087,250 | 5,050 |
| Average total loans | $10,842,000 | 7,737 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6258% | 8,099 |
| Cost of funding earning assets | 0.5679% | 8,010 |
| Net interest margin | 2.0579% | 7,827 |
| Noninterest income to average assets | 0.2410% | 6,558 |
| Noninterest expense to average assets | 1.4706% | 7,983 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4820% | 4,166 |
| Return on assets (ROA) | 0.4820% | 4,279 |
| Pretax return on assets | 0.7207% | 3,935 |
| Return on Equity (ROE) | 3.8711% | 4,550 |
| Retained earnings to average equity (ytd only) | 1.3386% | 4,595 |
| Net charge-offs to loans | 0.0560% | 5,707 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 106.6667% | 363 |
| Efficiency ratio | 67.1120% | 5,340 |
| Assets per employee ($millions) | 6.7961% | 846 |
| Cash dividends to net income (ytd only)* | 65.4206% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2104% | 1,226 |
| 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 | 12.5185% | 8,094 |
| Net loans and leases to deposits | 14.4044% | 8,110 |
| Net loans and leases to core deposits | 16.6123% | 8,103 |
| Total domestic deposits to total assets | 86.9076% | 2,304 |
| Equity capital to assets | 12.5287% | 1,910 |
| Core capital (leverage) ratio | 12.8025% | 1,507 |
| Tier 1 risk-based capital ratio | 23.0431% | 1,124 |
| Total risk-based capital ratio | 23.5636% | 1,179 |
| Memoranda: | ||
| Average total assets | $88,804,670 | 5,502 |
| Average earning assets | $84,163,670 | 5,406 |
| Average equity | $11,056,330 | 5,071 |
| Average total loans | $10,718,330 | 7,829 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5323% | 8,166 |
| Cost of funding earning assets | 0.6225% | 8,042 |
| Net interest margin | 1.9098% | 7,940 |
| Noninterest income to average assets | 0.3325% | 5,788 |
| Noninterest expense to average assets | 1.4601% | 8,013 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4942% | 4,447 |
| Return on assets (ROA) | 0.4942% | 4,635 |
| Pretax return on assets | 0.6919% | 4,458 |
| Return on Equity (ROE) | 3.9819% | 4,942 |
| Retained earnings to average equity (ytd only) | 3.9819% | 3,685 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8497% | 4,991 |
| Assets per employee ($millions) | 6.7409% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4213% | 826 |
| Loan loss allowance to noncurrent loans | 8,433.3333% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 7,652 |
| Noncurrent loans to loans | 0.0287% | 7,472 |
| Net loans and leases to total assets | 11.6350% | 8,152 |
| Net loans and leases to deposits | 13.3925% | 8,164 |
| Net loans and leases to core deposits | 15.4856% | 8,160 |
| Total domestic deposits to total assets | 86.8769% | 2,279 |
| Equity capital to assets | 12.6723% | 1,900 |
| Core capital (leverage) ratio | 12.9206% | 1,507 |
| Tier 1 risk-based capital ratio | 32.5059% | 509 |
| Total risk-based capital ratio | 33.2465% | 517 |
| Memoranda: | ||
| Average total assets | $89,032,500 | 5,520 |
| Average earning assets | $84,823,500 | 5,403 |
| Average equity | $11,050,000 | 5,093 |
| Average total loans | $10,422,500 | 7,888 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7132% | 8,128 |
| Cost of funding earning assets | 1.1436% | 7,980 |
| Net interest margin | 2.5696% | 7,676 |
| Noninterest income to average assets | 0.3720% | 5,724 |
| Noninterest expense to average assets | 1.7516% | 7,815 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7439% | 3,698 |
| Return on assets (ROA) | 0.7439% | 3,540 |
| Pretax return on assets | 1.0648% | 3,161 |
| Return on Equity (ROE) | 5.5517% | 4,137 |
| Retained earnings to average equity (ytd only) | -0.1633% | 5,326 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1925% | 5,913 |
| Assets per employee ($millions) | 6.0289% | 1,119 |
| Cash dividends to net income (ytd only)* | 102.9412% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4336% | 736 |
| Loan loss allowance to noncurrent loans | 8,433.3333% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 7,645 |
| Noncurrent loans to loans | 0.0289% | 7,394 |
| Net loans and leases to total assets | 11.2160% | 8,210 |
| Net loans and leases to deposits | 12.8327% | 8,223 |
| Net loans and leases to core deposits | 14.7429% | 8,215 |
| Total domestic deposits to total assets | 87.4017% | 1,755 |
| Equity capital to assets | 12.1582% | 2,186 |
| Core capital (leverage) ratio | 12.4626% | 1,770 |
| Tier 1 risk-based capital ratio | 40.2482% | 337 |
| Total risk-based capital ratio | 41.1743% | 334 |
| Memoranda: | ||
| Average total assets | $82,267,800 | 5,621 |
| Average earning assets | $78,261,800 | 5,487 |
| Average equity | $11,023,600 | 5,114 |
| Average total loans | $11,640,800 | 7,852 |