Home > Community Bank of Easton > Performance and Condition Ratios
Community Bank of Easton, 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 | 5.6153% | 1,017 |
| Cost of funding earning assets | 0.5590% | 4,131 |
| Net interest margin | 5.0563% | 293 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.1329% | 4,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 3.0491% | 155 |
| Return on assets (ROA) | 3.0491% | 153 |
| Pretax return on assets | 3.8855% | 120 |
| Return on Equity (ROE) | 12.4500% | 1,852 |
| Retained earnings to average equity (ytd only) | 3.0991% | 3,245 |
| 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 | 22.5744% | 4,520 |
| Assets per employee ($millions) | 13.1263% | 319 |
| Cash dividends to net income (ytd only)* | 75.0988% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2842% | 4,430 |
| 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 | 48.1100% | 3,720 |
| Net loans and leases to deposits | 65.1021% | 3,230 |
| Net loans and leases to core deposits | 72.0216% | 3,187 |
| Total domestic deposits to total assets | 73.9000% | 4,111 |
| Equity capital to assets | 25.9453% | 183 |
| Core capital (leverage) ratio | 26.6303% | 141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $41,488,000 | 4,383 |
| Average earning assets | $40,069,000 | 4,344 |
| Average equity | $10,164,400 | 3,704 |
| Average total loans | $19,374,000 | 4,303 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5820% | 922 |
| Cost of funding earning assets | 0.4460% | 4,206 |
| Net interest margin | 5.1359% | 270 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 0.9806% | 4,523 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.0337% | 173 |
| Return on assets (ROA) | 3.0337% | 175 |
| Pretax return on assets | 4.1349% | 125 |
| Return on Equity (ROE) | 12.5600% | 1,990 |
| Retained earnings to average equity (ytd only) | 0.0788% | 4,094 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 19.1687% | 4,553 |
| Assets per employee ($millions) | 12.7900% | 316 |
| Cash dividends to net income (ytd only)* | 99.3724% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2775% | 4,453 |
| 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 | 50.5700% | 3,581 |
| Net loans and leases to deposits | 68.3130% | 2,957 |
| Net loans and leases to core deposits | 74.3116% | 2,979 |
| Total domestic deposits to total assets | 74.0300% | 4,158 |
| Equity capital to assets | 25.8223% | 188 |
| Core capital (leverage) ratio | 24.5114% | 171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $42,015,250 | 4,394 |
| Average earning assets | $40,653,750 | 4,357 |
| Average equity | $10,151,250 | 3,713 |
| Average total loans | $19,467,500 | 4,317 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3914% | 960 |
| Cost of funding earning assets | 0.3056% | 4,305 |
| Net interest margin | 5.0858% | 277 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.0039% | 4,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.9285% | 161 |
| Return on assets (ROA) | 2.9285% | 158 |
| Pretax return on assets | 4.0712% | 112 |
| Return on Equity (ROE) | 12.3700% | 2,048 |
| Retained earnings to average equity (ytd only) | 12.3725% | 917 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 19.7812% | 4,577 |
| Assets per employee ($millions) | 14.0783% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2739% | 4,487 |
| 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 | 46.5500% | 3,768 |
| Net loans and leases to deposits | 62.0836% | 3,302 |
| Net loans and leases to core deposits | 66.9163% | 3,295 |
| Total domestic deposits to total assets | 74.9800% | 4,120 |
| Equity capital to assets | 24.9438% | 196 |
| Core capital (leverage) ratio | 25.1480% | 159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $43,230,333 | 4,406 |
| Average earning assets | $41,881,333 | 4,373 |
| Average equity | $10,232,333 | 3,718 |
| Average total loans | $19,470,333 | 4,337 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3755% | 757 |
| Cost of funding earning assets | 0.2173% | 4,345 |
| Net interest margin | 5.1582% | 231 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.2715% | 4,552 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.2748% | 132 |
| Return on assets (ROA) | 3.2748% | 132 |
| Pretax return on assets | 3.8602% | 114 |
| Return on Equity (ROE) | 14.2000% | 1,742 |
| Retained earnings to average equity (ytd only) | 14.2049% | 915 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 24.7772% | 4,632 |
| Assets per employee ($millions) | 15.0753% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2846% | 4,543 |
| 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 | 41.8300% | 3,961 |
| Net loans and leases to deposits | 54.1334% | 3,672 |
| Net loans and leases to core deposits | 56.2032% | 3,730 |
| Total domestic deposits to total assets | 77.2700% | 4,063 |
| Equity capital to assets | 22.6861% | 181 |
| Core capital (leverage) ratio | 22.4810% | 200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $43,728,000 | 4,470 |
| Average earning assets | $42,340,500 | 4,433 |
| Average equity | $10,081,000 | 3,778 |
| Average total loans | $19,348,500 | 4,401 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3268% | 1,009 |
| Cost of funding earning assets | 0.2044% | 3,720 |
| Net interest margin | 4.1224% | 633 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.0405% | 4,636 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.2591% | 193 |
| Return on assets (ROA) | 2.2591% | 185 |
| Pretax return on assets | 3.1856% | 116 |
| Return on Equity (ROE) | 9.9700% | 2,818 |
| Retained earnings to average equity (ytd only) | 8.2911% | 1,725 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 24.6206% | 4,677 |
| Assets per employee ($millions) | 14.0767% | 240 |
| Cash dividends to net income (ytd only)* | 16.8244% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2738% | 4,560 |
| 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 | 46.5800% | 3,765 |
| Net loans and leases to deposits | 60.8840% | 3,281 |
| Net loans and leases to core deposits | 63.3996% | 3,301 |
| Total domestic deposits to total assets | 76.5100% | 4,222 |
| Equity capital to assets | 23.4478% | 168 |
| Core capital (leverage) ratio | 22.6601% | 190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $42,096,000 | 4,509 |
| Average earning assets | $40,607,000 | 4,473 |
| Average equity | $9,540,400 | 3,928 |
| Average total loans | $24,763,600 | 4,333 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1155% | 1,040 |
| Cost of funding earning assets | 0.2036% | 3,225 |
| Net interest margin | 3.9119% | 780 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 0.7288% | 4,711 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.2940% | 191 |
| Return on assets (ROA) | 2.2940% | 188 |
| Pretax return on assets | 3.3238% | 116 |
| Return on Equity (ROE) | 10.2000% | 2,662 |
| Retained earnings to average equity (ytd only) | 10.1966% | 1,287 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 17.9828% | 4,733 |
| Assets per employee ($millions) | 13.5613% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2596% | 4,607 |
| 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 | 50.9900% | 3,384 |
| Net loans and leases to deposits | 67.2818% | 2,607 |
| Net loans and leases to core deposits | 70.2007% | 2,625 |
| Total domestic deposits to total assets | 75.7900% | 4,377 |
| Equity capital to assets | 24.1741% | 148 |
| Core capital (leverage) ratio | 23.4954% | 169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $42,079,500 | 4,540 |
| Average earning assets | $40,593,500 | 4,506 |
| Average equity | $9,467,000 | 3,983 |
| Average total loans | $26,023,250 | 4,335 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0026% | 935 |
| Cost of funding earning assets | 0.2048% | 2,856 |
| Net interest margin | 3.7979% | 754 |
| Noninterest income to average assets | 0.2727% | 3,537 |
| Noninterest expense to average assets | 0.8368% | 4,717 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.2423% | 152 |
| Return on assets (ROA) | 2.2423% | 152 |
| Pretax return on assets | 3.0979% | 86 |
| Return on Equity (ROE) | 10.2094% | 2,264 |
| Retained earnings to average equity (ytd only) | 10.2094% | 966 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.2664% | 4,753 |
| Assets per employee ($millions) | 10.6203% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1912% | 4,692 |
| 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 | 66.3544% | 1,648 |
| Net loans and leases to deposits | 85.7482% | 995 |
| Net loans and leases to core deposits | 89.2166% | 1,165 |
| Total domestic deposits to total assets | 77.3828% | 4,389 |
| Equity capital to assets | 22.5724% | 123 |
| Core capital (leverage) ratio | 22.1330% | 140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,544,667 | 4,585 |
| Average earning assets | $41,023,000 | 4,559 |
| Average equity | $9,344,333 | 4,069 |
| Average total loans | $27,764,667 | 4,362 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9331% | 873 |
| Cost of funding earning assets | 0.2050% | 2,727 |
| Net interest margin | 3.7282% | 709 |
| Noninterest income to average assets | 0.2725% | 3,504 |
| Noninterest expense to average assets | 1.0428% | 4,707 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.0857% | 192 |
| Return on assets (ROA) | 2.0857% | 191 |
| Pretax return on assets | 2.8185% | 118 |
| Return on Equity (ROE) | 9.6291% | 2,114 |
| Retained earnings to average equity (ytd only) | 9.6291% | 1,116 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.0073% | 4,758 |
| Assets per employee ($millions) | 10.6983% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1920% | 4,717 |
| 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 | 65.6112% | 1,452 |
| Net loans and leases to deposits | 83.9548% | 882 |
| Net loans and leases to core deposits | 87.2905% | 1,063 |
| Total domestic deposits to total assets | 78.1506% | 4,398 |
| Equity capital to assets | 21.8096% | 123 |
| Core capital (leverage) ratio | 21.5827% | 134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,576,500 | 4,606 |
| Average earning assets | $40,985,000 | 4,584 |
| Average equity | $9,222,000 | 4,138 |
| Average total loans | $27,526,000 | 4,377 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9594% | 1,455 |
| Cost of funding earning assets | 0.2063% | 3,403 |
| Net interest margin | 3.7532% | 1,097 |
| Noninterest income to average assets | 0.2012% | 4,160 |
| Noninterest expense to average assets | 0.8971% | 4,773 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.1021% | 288 |
| Return on assets (ROA) | 2.1021% | 304 |
| Pretax return on assets | 2.9216% | 155 |
| Return on Equity (ROE) | 9.8559% | 2,578 |
| Retained earnings to average equity (ytd only) | 8.0370% | 1,526 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.4921% | 4,815 |
| Assets per employee ($millions) | 10.5900% | 569 |
| Cash dividends to net income (ytd only)* | 18.4544% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2006% | 4,757 |
| 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 | 63.4254% | 1,771 |
| Net loans and leases to deposits | 80.8541% | 1,145 |
| Net loans and leases to core deposits | 84.0802% | 1,327 |
| Total domestic deposits to total assets | 78.4443% | 4,355 |
| Equity capital to assets | 21.5085% | 136 |
| Core capital (leverage) ratio | 22.0099% | 123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,244,600 | 4,648 |
| Average earning assets | $39,753,000 | 4,621 |
| Average equity | $8,796,800 | 4,262 |
| Average total loans | $27,600,400 | 4,420 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9751% | 1,600 |
| Cost of funding earning assets | 0.2094% | 3,520 |
| Net interest margin | 3.7657% | 1,198 |
| Noninterest income to average assets | 0.1758% | 4,323 |
| Noninterest expense to average assets | 0.7583% | 4,876 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.3011% | 273 |
| Return on assets (ROA) | 2.3011% | 288 |
| Pretax return on assets | 3.0464% | 170 |
| Return on Equity (ROE) | 10.8123% | 2,434 |
| Retained earnings to average equity (ytd only) | 9.5888% | 1,453 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.9316% | 4,897 |
| Assets per employee ($millions) | 9.9265% | 652 |
| Cash dividends to net income (ytd only)* | 11.3154% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1978% | 4,839 |
| 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 | 68.6244% | 1,244 |
| Net loans and leases to deposits | 88.8773% | 663 |
| Net loans and leases to core deposits | 92.7307% | 885 |
| Total domestic deposits to total assets | 77.2125% | 4,477 |
| Equity capital to assets | 22.7447% | 121 |
| Core capital (leverage) ratio | 22.2422% | 127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,965,750 | 4,719 |
| Average earning assets | $39,478,500 | 4,688 |
| Average equity | $8,718,250 | 4,330 |
| Average total loans | $27,770,250 | 4,477 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9447% | 1,702 |
| Cost of funding earning assets | 0.2055% | 3,694 |
| Net interest margin | 3.7392% | 1,243 |
| Noninterest income to average assets | 0.1740% | 4,337 |
| Noninterest expense to average assets | 0.8312% | 4,899 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.2230% | 325 |
| Return on assets (ROA) | 2.2230% | 346 |
| Pretax return on assets | 2.9479% | 200 |
| Return on Equity (ROE) | 10.6803% | 2,536 |
| Retained earnings to average equity (ytd only) | 10.2159% | 1,339 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.9949% | 4,925 |
| Assets per employee ($millions) | 10.0245% | 603 |
| Cash dividends to net income (ytd only)* | 4.3478% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1995% | 4,874 |
| 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 | 67.3799% | 1,528 |
| Net loans and leases to deposits | 86.4991% | 883 |
| Net loans and leases to core deposits | 90.1682% | 1,131 |
| Total domestic deposits to total assets | 77.8967% | 4,439 |
| Equity capital to assets | 22.0560% | 124 |
| Core capital (leverage) ratio | 21.5162% | 138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,385,667 | 4,749 |
| Average earning assets | $39,902,000 | 4,716 |
| Average equity | $8,614,000 | 4,361 |
| Average total loans | $27,926,333 | 4,509 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9707% | 1,656 |
| Cost of funding earning assets | 0.1975% | 3,937 |
| Net interest margin | 3.7731% | 1,195 |
| Noninterest income to average assets | 0.1713% | 4,340 |
| Noninterest expense to average assets | 1.0183% | 4,907 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9986% | 572 |
| Return on assets (ROA) | 1.9986% | 616 |
| Pretax return on assets | 2.7885% | 305 |
| Return on Equity (ROE) | 9.8835% | 2,735 |
| Retained earnings to average equity (ytd only) | 8.9422% | 1,966 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.7500% | 4,934 |
| Assets per employee ($millions) | 10.2603% | 551 |
| Cash dividends to net income (ytd only)* | 9.5238% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1919% | 4,904 |
| 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 | 68.4316% | 1,473 |
| Net loans and leases to deposits | 86.6019% | 918 |
| Net loans and leases to core deposits | 90.1316% | 1,223 |
| Total domestic deposits to total assets | 79.0185% | 4,331 |
| Equity capital to assets | 20.9400% | 154 |
| Core capital (leverage) ratio | 20.4473% | 168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,029,500 | 4,761 |
| Average earning assets | $40,497,000 | 4,729 |
| Average equity | $8,499,000 | 4,388 |
| Average total loans | $28,353,500 | 4,528 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4016% | 1,589 |
| Cost of funding earning assets | 0.2152% | 4,530 |
| Net interest margin | 4.1864% | 655 |
| Noninterest income to average assets | 0.2170% | 4,195 |
| Noninterest expense to average assets | 0.9044% | 4,946 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.4056% | 147 |
| Return on assets (ROA) | 2.4056% | 156 |
| Pretax return on assets | 3.3332% | 96 |
| Return on Equity (ROE) | 11.5580% | 1,455 |
| Retained earnings to average equity (ytd only) | 9.5717% | 666 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.3415% | 4,983 |
| Assets per employee ($millions) | 10.7545% | 426 |
| Cash dividends to net income (ytd only)* | 17.1858% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1890% | 4,930 |
| 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 | 66.2839% | 2,054 |
| Net loans and leases to deposits | 82.4223% | 1,615 |
| Net loans and leases to core deposits | 85.5557% | 1,905 |
| Total domestic deposits to total assets | 80.4198% | 3,974 |
| Equity capital to assets | 19.5360% | 213 |
| Core capital (leverage) ratio | 20.0339% | 187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,701,800 | 4,787 |
| Average earning assets | $37,168,000 | 4,749 |
| Average equity | $8,055,000 | 4,418 |
| Average total loans | $28,105,200 | 4,553 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5349% | 1,499 |
| Cost of funding earning assets | 0.2214% | 4,601 |
| Net interest margin | 4.3135% | 572 |
| Noninterest income to average assets | 0.2162% | 4,189 |
| Noninterest expense to average assets | 0.7797% | 4,994 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.6189% | 127 |
| Return on assets (ROA) | 2.6189% | 133 |
| Pretax return on assets | 3.5793% | 85 |
| Return on Equity (ROE) | 12.3662% | 1,284 |
| Retained earnings to average equity (ytd only) | 11.0275% | 572 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.8862% | 5,020 |
| Assets per employee ($millions) | 9.4760% | 607 |
| Cash dividends to net income (ytd only)* | 10.8254% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1874% | 4,966 |
| 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 | 75.8891% | 1,111 |
| Net loans and leases to deposits | 97.1922% | 677 |
| Net loans and leases to core deposits | 101.5355% | 1,061 |
| Total domestic deposits to total assets | 78.0815% | 4,188 |
| Equity capital to assets | 21.8763% | 150 |
| Core capital (leverage) ratio | 21.5724% | 150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,622,750 | 4,823 |
| Average earning assets | $36,133,500 | 4,793 |
| Average equity | $7,967,750 | 4,449 |
| Average total loans | $27,989,500 | 4,580 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5733% | 1,716 |
| Cost of funding earning assets | 0.2167% | 4,716 |
| Net interest margin | 4.3566% | 667 |
| Noninterest income to average assets | 0.1865% | 4,345 |
| Noninterest expense to average assets | 0.8633% | 5,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.5527% | 130 |
| Return on assets (ROA) | 2.5527% | 140 |
| Pretax return on assets | 3.5013% | 76 |
| Return on Equity (ROE) | 12.1888% | 1,289 |
| Retained earnings to average equity (ytd only) | 11.6799% | 499 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.7802% | 5,048 |
| Assets per employee ($millions) | 9.4765% | 590 |
| Cash dividends to net income (ytd only)* | 4.1754% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1943% | 4,994 |
| 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 | 73.1837% | 1,533 |
| Net loans and leases to deposits | 93.1062% | 1,039 |
| Net loans and leases to core deposits | 97.2243% | 1,480 |
| Total domestic deposits to total assets | 78.6023% | 4,096 |
| Equity capital to assets | 21.3475% | 166 |
| Core capital (leverage) ratio | 21.6845% | 154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,529,000 | 4,846 |
| Average earning assets | $35,991,667 | 4,820 |
| Average equity | $7,859,667 | 4,477 |
| Average total loans | $27,713,000 | 4,603 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7797% | 1,470 |
| Cost of funding earning assets | 0.2233% | 4,832 |
| Net interest margin | 4.5563% | 442 |
| Noninterest income to average assets | 0.2250% | 4,206 |
| Noninterest expense to average assets | 1.0926% | 5,045 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.5816% | 101 |
| Return on assets (ROA) | 2.5816% | 102 |
| Pretax return on assets | 3.5029% | 58 |
| Return on Equity (ROE) | 12.4492% | 1,001 |
| Retained earnings to average equity (ytd only) | 11.4160% | 498 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.7762% | 5,083 |
| Assets per employee ($millions) | 9.1910% | 502 |
| Cash dividends to net income (ytd only)* | 8.2988% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1951% | 5,034 |
| 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 | 75.1578% | 1,432 |
| Net loans and leases to deposits | 95.6255% | 950 |
| Net loans and leases to core deposits | 99.9928% | 1,473 |
| Total domestic deposits to total assets | 78.5959% | 4,125 |
| Equity capital to assets | 21.3633% | 192 |
| Core capital (leverage) ratio | 22.0370% | 169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,340,500 | 4,890 |
| Average earning assets | $35,818,500 | 4,856 |
| Average equity | $7,743,500 | 4,516 |
| Average total loans | $27,672,000 | 4,640 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8867% | 1,791 |
| Cost of funding earning assets | 0.2070% | 4,949 |
| Net interest margin | 4.6797% | 495 |
| Noninterest income to average assets | 0.2808% | 4,002 |
| Noninterest expense to average assets | 0.9416% | 5,127 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.7560% | 97 |
| Return on assets (ROA) | 2.7560% | 100 |
| Pretax return on assets | 3.8215% | 67 |
| Return on Equity (ROE) | 13.7716% | 944 |
| Retained earnings to average equity (ytd only) | 11.2952% | 299 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.7688% | 5,158 |
| Assets per employee ($millions) | 9.4793% | 417 |
| Cash dividends to net income (ytd only)* | 17.9820% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1952% | 5,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 72.8038% | 1,949 |
| Net loans and leases to deposits | 91.2080% | 1,462 |
| Net loans and leases to core deposits | 95.1601% | 1,975 |
| Total domestic deposits to total assets | 79.8217% | 4,011 |
| Equity capital to assets | 20.1308% | 251 |
| Core capital (leverage) ratio | 20.3525% | 226 |
| Tier 1 risk-based capital ratio | 27.6068% | 583 |
| Total risk-based capital ratio | 27.8021% | 632 |
| Memoranda: | ||
| Average total assets | $36,320,800 | 4,950 |
| Average earning assets | $34,788,600 | 4,919 |
| Average equity | $7,268,600 | 4,608 |
| Average total loans | $27,103,200 | 4,705 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9367% | 1,711 |
| Cost of funding earning assets | 0.2054% | 5,028 |
| Net interest margin | 4.7313% | 471 |
| Noninterest income to average assets | 0.2710% | 4,119 |
| Noninterest expense to average assets | 0.7980% | 5,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.9953% | 86 |
| Return on assets (ROA) | 2.9953% | 90 |
| Pretax return on assets | 4.0049% | 63 |
| Return on Equity (ROE) | 14.9909% | 777 |
| Retained earnings to average equity (ytd only) | 13.5048% | 234 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.6151% | 5,239 |
| Assets per employee ($millions) | 9.0555% | 472 |
| Cash dividends to net income (ytd only)* | 9.9129% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1965% | 5,162 |
| 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 | 75.7164% | 1,529 |
| Net loans and leases to deposits | 95.6676% | 1,056 |
| Net loans and leases to core deposits | 100.0511% | 1,651 |
| Total domestic deposits to total assets | 79.1453% | 4,154 |
| Equity capital to assets | 20.8133% | 227 |
| Core capital (leverage) ratio | 21.1532% | 197 |
| Tier 1 risk-based capital ratio | 27.4735% | 607 |
| Total risk-based capital ratio | 27.6703% | 665 |
| Memoranda: | ||
| Average total assets | $35,921,750 | 5,031 |
| Average earning assets | $34,408,000 | 4,997 |
| Average equity | $7,177,500 | 4,673 |
| Average total loans | $26,964,250 | 4,776 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9328% | 1,659 |
| Cost of funding earning assets | 0.1975% | 5,080 |
| Net interest margin | 4.7353% | 458 |
| Noninterest income to average assets | 0.2736% | 4,107 |
| Noninterest expense to average assets | 0.8989% | 5,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.9256% | 91 |
| Return on assets (ROA) | 2.9256% | 94 |
| Pretax return on assets | 3.9250% | 67 |
| Return on Equity (ROE) | 14.8505% | 792 |
| Retained earnings to average equity (ytd only) | 14.2837% | 212 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.6343% | 5,282 |
| Assets per employee ($millions) | 8.8538% | 495 |
| Cash dividends to net income (ytd only)* | 3.8168% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1946% | 5,219 |
| 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 | 78.2070% | 1,186 |
| Net loans and leases to deposits | 98.6290% | 786 |
| Net loans and leases to core deposits | 100.4351% | 1,684 |
| Total domestic deposits to total assets | 79.2941% | 4,161 |
| Equity capital to assets | 20.6579% | 223 |
| Core capital (leverage) ratio | 20.8166% | 206 |
| Tier 1 risk-based capital ratio | 26.4077% | 664 |
| Total risk-based capital ratio | 26.6027% | 710 |
| Memoranda: | ||
| Average total assets | $35,821,670 | 5,072 |
| Average earning assets | $34,422,330 | 5,037 |
| Average equity | $7,057,000 | 4,718 |
| Average total loans | $26,792,330 | 4,812 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9189% | 1,550 |
| Cost of funding earning assets | 0.1963% | 5,124 |
| Net interest margin | 4.7226% | 471 |
| Noninterest income to average assets | 0.3109% | 3,788 |
| Noninterest expense to average assets | 1.1214% | 5,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.7870% | 102 |
| Return on assets (ROA) | 2.7870% | 111 |
| Pretax return on assets | 3.7307% | 79 |
| Return on Equity (ROE) | 14.4930% | 859 |
| Retained earnings to average equity (ytd only) | 13.3381% | 424 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.1121% | 5,338 |
| Assets per employee ($millions) | 8.7090% | 525 |
| Cash dividends to net income (ytd only)* | 7.9681% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2005% | 5,280 |
| 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 | 77.1759% | 1,295 |
| Net loans and leases to deposits | 96.7817% | 907 |
| Net loans and leases to core deposits | 98.5737% | 1,737 |
| Total domestic deposits to total assets | 79.7422% | 4,216 |
| Equity capital to assets | 20.2176% | 234 |
| Core capital (leverage) ratio | 19.9084% | 238 |
| Tier 1 risk-based capital ratio | 26.1695% | 675 |
| Total risk-based capital ratio | 26.3702% | 736 |
| Memoranda: | ||
| Average total assets | $36,025,000 | 5,121 |
| Average earning assets | $34,642,000 | 5,089 |
| Average equity | $6,927,500 | 4,767 |
| Average total loans | $26,313,000 | 4,876 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6470% | 1,998 |
| Cost of funding earning assets | 0.2043% | 4,980 |
| Net interest margin | 4.4427% | 857 |
| Noninterest income to average assets | 0.2716% | 4,289 |
| Noninterest expense to average assets | 0.9708% | 5,358 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.5656% | 134 |
| Return on assets (ROA) | 2.5656% | 132 |
| Pretax return on assets | 3.5739% | 64 |
| Return on Equity (ROE) | 13.6923% | 1,131 |
| Retained earnings to average equity (ytd only) | 11.2252% | 399 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.3605% | 5,385 |
| Assets per employee ($millions) | 9.3035% | 419 |
| Cash dividends to net income (ytd only)* | 18.0180% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2102% | 5,319 |
| 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 | 68.8800% | 2,750 |
| Net loans and leases to deposits | 84.3579% | 2,477 |
| Net loans and leases to core deposits | 85.7807% | 2,933 |
| Total domestic deposits to total assets | 81.6521% | 3,736 |
| Equity capital to assets | 18.3049% | 320 |
| Core capital (leverage) ratio | 18.9128% | 265 |
| Tier 1 risk-based capital ratio | 26.4935% | 643 |
| Total risk-based capital ratio | 26.7035% | 696 |
| Memoranda: | ||
| Average total assets | $34,612,200 | 5,179 |
| Average earning assets | $33,290,600 | 5,150 |
| Average equity | $6,485,400 | 4,828 |
| Average total loans | $24,805,000 | 4,946 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7020% | 1,675 |
| Cost of funding earning assets | 0.2041% | 5,009 |
| Net interest margin | 4.4979% | 746 |
| Noninterest income to average assets | 0.2709% | 4,340 |
| Noninterest expense to average assets | 0.8126% | 5,441 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.8306% | 99 |
| Return on assets (ROA) | 2.8306% | 100 |
| Pretax return on assets | 3.7846% | 63 |
| Return on Equity (ROE) | 15.0117% | 876 |
| Retained earnings to average equity (ytd only) | 13.3461% | 320 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.6772% | 5,461 |
| Assets per employee ($millions) | 8.4835% | 531 |
| Cash dividends to net income (ytd only)* | 11.0953% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2133% | 5,392 |
| 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 | 74.4357% | 1,916 |
| Net loans and leases to deposits | 92.8845% | 1,514 |
| Net loans and leases to core deposits | 93.7602% | 2,309 |
| Total domestic deposits to total assets | 80.1379% | 4,082 |
| Equity capital to assets | 19.8179% | 237 |
| Core capital (leverage) ratio | 19.3503% | 261 |
| Tier 1 risk-based capital ratio | 26.5537% | 644 |
| Total risk-based capital ratio | 26.7670% | 696 |
| Memoranda: | ||
| Average total assets | $33,961,750 | 5,260 |
| Average earning assets | $32,666,000 | 5,219 |
| Average equity | $6,403,750 | 4,891 |
| Average total loans | $24,584,500 | 5,010 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6369% | 1,673 |
| Cost of funding earning assets | 0.2011% | 5,025 |
| Net interest margin | 4.4358% | 791 |
| Noninterest income to average assets | 0.2708% | 4,380 |
| Noninterest expense to average assets | 0.8831% | 5,503 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.7317% | 106 |
| Return on assets (ROA) | 2.7317% | 106 |
| Pretax return on assets | 3.6737% | 68 |
| Return on Equity (ROE) | 14.7379% | 907 |
| Retained earnings to average equity (ytd only) | 14.1027% | 271 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.3798% | 5,521 |
| Assets per employee ($millions) | 8.7880% | 478 |
| Cash dividends to net income (ytd only)* | 4.3103% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2192% | 5,453 |
| 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 | 69.9420% | 2,593 |
| Net loans and leases to deposits | 85.9380% | 2,320 |
| Net loans and leases to core deposits | 86.7078% | 2,847 |
| Total domestic deposits to total assets | 81.3865% | 3,897 |
| Equity capital to assets | 18.5708% | 283 |
| Core capital (leverage) ratio | 18.4929% | 299 |
| Tier 1 risk-based capital ratio | 26.6678% | 626 |
| Total risk-based capital ratio | 26.8884% | 674 |
| Memoranda: | ||
| Average total assets | $33,971,000 | 5,324 |
| Average earning assets | $32,823,670 | 5,280 |
| Average equity | $6,296,670 | 4,955 |
| Average total loans | $24,341,670 | 5,074 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6813% | 1,351 |
| Cost of funding earning assets | 0.1981% | 5,029 |
| Net interest margin | 4.4831% | 641 |
| Noninterest income to average assets | 0.2636% | 4,420 |
| Noninterest expense to average assets | 1.1144% | 5,541 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.5644% | 132 |
| Return on assets (ROA) | 2.5644% | 134 |
| Pretax return on assets | 3.4871% | 76 |
| Return on Equity (ROE) | 13.8489% | 1,049 |
| Retained earnings to average equity (ytd only) | 12.5546% | 590 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.2188% | 5,580 |
| Assets per employee ($millions) | 8.5775% | 513 |
| Cash dividends to net income (ytd only)* | 9.3458% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2200% | 5,518 |
| 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 | 71.3757% | 2,276 |
| Net loans and leases to deposits | 87.4045% | 2,004 |
| Net loans and leases to core deposits | 88.2041% | 2,615 |
| Total domestic deposits to total assets | 81.6613% | 4,048 |
| Equity capital to assets | 18.2979% | 292 |
| Core capital (leverage) ratio | 18.5674% | 282 |
| Tier 1 risk-based capital ratio | 25.7686% | 704 |
| Total risk-based capital ratio | 25.9902% | 755 |
| Memoranda: | ||
| Average total assets | $33,380,500 | 5,389 |
| Average earning assets | $32,299,000 | 5,346 |
| Average equity | $6,181,000 | 5,030 |
| Average total loans | $24,192,500 | 5,137 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1844% | 2,745 |
| Cost of funding earning assets | 0.2137% | 4,836 |
| Net interest margin | 3.9707% | 1,843 |
| Noninterest income to average assets | 0.2919% | 4,372 |
| Noninterest expense to average assets | 0.9829% | 5,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.9004% | 338 |
| Return on assets (ROA) | 1.9004% | 349 |
| Pretax return on assets | 3.1276% | 90 |
| Return on Equity (ROE) | 10.8666% | 1,537 |
| Retained earnings to average equity (ytd only) | 8.6524% | 572 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.9130% | 5,641 |
| Assets per employee ($millions) | 8.1128% | 616 |
| Cash dividends to net income (ytd only)* | 20.3762% | 3,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2265% | 5,575 |
| 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 | 73.3044% | 2,044 |
| Net loans and leases to deposits | 90.2736% | 1,745 |
| Net loans and leases to core deposits | 91.1487% | 2,444 |
| Total domestic deposits to total assets | 81.2024% | 4,071 |
| Equity capital to assets | 18.7483% | 263 |
| Core capital (leverage) ratio | 17.5276% | 327 |
| Tier 1 risk-based capital ratio | 25.5824% | 686 |
| Total risk-based capital ratio | 25.8094% | 746 |
| Memoranda: | ||
| Average total assets | $33,572,600 | 5,438 |
| Average earning assets | $32,286,800 | 5,400 |
| Average equity | $5,871,200 | 5,120 |
| Average total loans | $22,147,200 | 5,250 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 3,051 |
| Cost of funding earning assets | 0.2089% | 4,893 |
| Net interest margin | 3.8714% | 2,136 |
| Noninterest income to average assets | 0.2796% | 4,516 |
| Noninterest expense to average assets | 0.8074% | 5,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.1386% | 245 |
| Return on assets (ROA) | 2.1386% | 248 |
| Pretax return on assets | 3.1941% | 100 |
| Return on Equity (ROE) | 12.4438% | 1,203 |
| Retained earnings to average equity (ytd only) | 11.0688% | 409 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.1772% | 5,716 |
| Assets per employee ($millions) | 8.4233% | 535 |
| Cash dividends to net income (ytd only)* | 11.0500% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2355% | 5,643 |
| 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 | 67.8895% | 2,858 |
| Net loans and leases to deposits | 82.8168% | 2,684 |
| Net loans and leases to core deposits | 83.5824% | 3,169 |
| Total domestic deposits to total assets | 81.9755% | 3,787 |
| Equity capital to assets | 17.9830% | 338 |
| Core capital (leverage) ratio | 17.6621% | 326 |
| Tier 1 risk-based capital ratio | 26.8026% | 631 |
| Total risk-based capital ratio | 27.0415% | 683 |
| Memoranda: | ||
| Average total assets | $33,853,000 | 5,494 |
| Average earning assets | $32,545,750 | 5,450 |
| Average equity | $5,818,000 | 5,186 |
| Average total loans | $21,723,500 | 5,315 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9781% | 3,294 |
| Cost of funding earning assets | 0.2087% | 4,897 |
| Net interest margin | 3.7694% | 2,413 |
| Noninterest income to average assets | 0.2831% | 4,531 |
| Noninterest expense to average assets | 0.8907% | 5,749 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9878% | 317 |
| Return on assets (ROA) | 1.9878% | 323 |
| Pretax return on assets | 3.0142% | 113 |
| Return on Equity (ROE) | 11.7469% | 1,378 |
| Retained earnings to average equity (ytd only) | 11.7469% | 346 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.8097% | 5,763 |
| Assets per employee ($millions) | 8.6400% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2447% | 5,693 |
| 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 | 63.7037% | 3,433 |
| Net loans and leases to deposits | 76.8930% | 3,235 |
| Net loans and leases to core deposits | 77.5785% | 3,634 |
| Total domestic deposits to total assets | 82.8472% | 3,612 |
| Equity capital to assets | 17.1094% | 394 |
| Core capital (leverage) ratio | 17.2864% | 348 |
| Tier 1 risk-based capital ratio | 27.3206% | 588 |
| Total risk-based capital ratio | 27.5701% | 633 |
| Memoranda: | ||
| Average total assets | $33,906,330 | 5,542 |
| Average earning assets | $32,578,000 | 5,498 |
| Average equity | $5,737,670 | 5,230 |
| Average total loans | $21,322,000 | 5,369 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9873% | 3,085 |
| Cost of funding earning assets | 0.2105% | 4,880 |
| Net interest margin | 3.7768% | 2,198 |
| Noninterest income to average assets | 0.2382% | 4,835 |
| Noninterest expense to average assets | 1.1197% | 5,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7630% | 483 |
| Return on assets (ROA) | 1.7630% | 493 |
| Pretax return on assets | 2.7517% | 160 |
| Return on Equity (ROE) | 10.4779% | 1,747 |
| Retained earnings to average equity (ytd only) | 10.4779% | 710 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.9231% | 5,807 |
| Assets per employee ($millions) | 8.6213% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2554% | 5,759 |
| 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 | 61.1541% | 3,639 |
| Net loans and leases to deposits | 73.3607% | 3,466 |
| Net loans and leases to core deposits | 74.0121% | 3,825 |
| Total domestic deposits to total assets | 83.3609% | 3,716 |
| Equity capital to assets | 16.5985% | 422 |
| Core capital (leverage) ratio | 16.4696% | 409 |
| Tier 1 risk-based capital ratio | 27.6843% | 579 |
| Total risk-based capital ratio | 27.9454% | 633 |
| Memoranda: | ||
| Average total assets | $33,579,500 | 5,613 |
| Average earning assets | $32,302,500 | 5,570 |
| Average equity | $5,650,000 | 5,295 |
| Average total loans | $20,948,000 | 5,437 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8136% | 3,863 |
| Cost of funding earning assets | 0.2241% | 4,793 |
| Net interest margin | 3.5895% | 3,108 |
| Noninterest income to average assets | 0.2391% | 4,992 |
| Noninterest expense to average assets | 0.9932% | 5,857 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.6492% | 613 |
| Return on assets (ROA) | 1.6492% | 636 |
| Pretax return on assets | 2.6822% | 153 |
| Return on Equity (ROE) | 9.9310% | 1,985 |
| Retained earnings to average equity (ytd only) | 7.7159% | 954 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.0225% | 5,879 |
| Assets per employee ($millions) | 8.1685% | 564 |
| Cash dividends to net income (ytd only)* | 22.3048% | 3,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2602% | 5,816 |
| 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 | 63.3501% | 3,434 |
| Net loans and leases to deposits | 76.4308% | 3,272 |
| Net loans and leases to core deposits | 77.1487% | 3,641 |
| Total domestic deposits to total assets | 82.8855% | 3,804 |
| Equity capital to assets | 17.0656% | 380 |
| Core capital (leverage) ratio | 15.9991% | 462 |
| Tier 1 risk-based capital ratio | 27.3790% | 601 |
| Total risk-based capital ratio | 27.6441% | 648 |
| Memoranda: | ||
| Average total assets | $32,622,600 | 5,683 |
| Average earning assets | $31,230,400 | 5,644 |
| Average equity | $5,417,400 | 5,388 |
| Average total loans | $20,427,000 | 5,507 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8331% | 3,828 |
| Cost of funding earning assets | 0.2224% | 4,865 |
| Net interest margin | 3.6106% | 3,028 |
| Noninterest income to average assets | 0.2126% | 5,194 |
| Noninterest expense to average assets | 0.8341% | 5,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.9217% | 387 |
| Return on assets (ROA) | 1.9217% | 409 |
| Pretax return on assets | 2.8293% | 138 |
| Return on Equity (ROE) | 11.6526% | 1,431 |
| Retained earnings to average equity (ytd only) | 10.4131% | 499 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.7679% | 5,956 |
| Assets per employee ($millions) | 8.4603% | 490 |
| Cash dividends to net income (ytd only)* | 10.6391% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2627% | 5,872 |
| 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 | 60.5863% | 3,806 |
| Net loans and leases to deposits | 72.5796% | 3,745 |
| Net loans and leases to core deposits | 73.2328% | 4,062 |
| Total domestic deposits to total assets | 83.4757% | 3,405 |
| Equity capital to assets | 16.4830% | 489 |
| Core capital (leverage) ratio | 16.3381% | 433 |
| Tier 1 risk-based capital ratio | 27.7264% | 597 |
| Total risk-based capital ratio | 27.9948% | 645 |
| Memoranda: | ||
| Average total assets | $32,609,750 | 5,742 |
| Average earning assets | $31,166,750 | 5,701 |
| Average equity | $5,377,750 | 5,450 |
| Average total loans | $20,345,500 | 5,564 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9052% | 3,590 |
| Cost of funding earning assets | 0.2270% | 4,874 |
| Net interest margin | 3.6782% | 2,791 |
| Noninterest income to average assets | 0.2236% | 5,149 |
| Noninterest expense to average assets | 0.9193% | 6,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9441% | 366 |
| Return on assets (ROA) | 1.9441% | 385 |
| Pretax return on assets | 2.8261% | 136 |
| Return on Equity (ROE) | 11.7869% | 1,391 |
| Retained earnings to average equity (ytd only) | 11.7869% | 358 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.5439% | 6,031 |
| Assets per employee ($millions) | 8.5480% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2704% | 5,949 |
| 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 | 58.2563% | 4,091 |
| Net loans and leases to deposits | 69.3921% | 4,043 |
| Net loans and leases to core deposits | 70.0067% | 4,326 |
| Total domestic deposits to total assets | 83.9524% | 3,283 |
| Equity capital to assets | 16.0008% | 546 |
| Core capital (leverage) ratio | 16.3177% | 430 |
| Tier 1 risk-based capital ratio | 28.1749% | 580 |
| Total risk-based capital ratio | 28.4530% | 617 |
| Memoranda: | ||
| Average total assets | $32,199,330 | 5,817 |
| Average earning assets | $30,830,670 | 5,777 |
| Average equity | $5,311,000 | 5,523 |
| Average total loans | $20,275,000 | 5,626 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0690% | 2,969 |
| Cost of funding earning assets | 0.2283% | 4,921 |
| Net interest margin | 3.8407% | 2,141 |
| Noninterest income to average assets | 0.2307% | 5,092 |
| Noninterest expense to average assets | 1.1666% | 6,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8716% | 421 |
| Return on assets (ROA) | 1.8716% | 449 |
| Pretax return on assets | 2.7305% | 164 |
| Return on Equity (ROE) | 11.1642% | 1,544 |
| Retained earnings to average equity (ytd only) | 11.1642% | 624 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.9342% | 6,073 |
| Assets per employee ($millions) | 8.0928% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2584% | 6,022 |
| 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 | 64.3879% | 3,193 |
| Net loans and leases to deposits | 77.0451% | 3,102 |
| Net loans and leases to core deposits | 77.7695% | 3,514 |
| Total domestic deposits to total assets | 83.5717% | 3,686 |
| Equity capital to assets | 16.3850% | 492 |
| Core capital (leverage) ratio | 16.2445% | 442 |
| Tier 1 risk-based capital ratio | 26.1216% | 729 |
| Total risk-based capital ratio | 26.3876% | 784 |
| Memoranda: | ||
| Average total assets | $31,203,000 | 5,887 |
| Average earning assets | $29,786,500 | 5,854 |
| Average equity | $5,231,000 | 5,572 |
| Average total loans | $20,426,000 | 5,669 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4977% | 4,926 |
| Cost of funding earning assets | 0.2350% | 4,951 |
| Net interest margin | 3.2627% | 4,431 |
| Noninterest income to average assets | 0.1998% | 5,393 |
| Noninterest expense to average assets | 1.0285% | 6,118 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5231% | 825 |
| Return on assets (ROA) | 1.5231% | 859 |
| Pretax return on assets | 2.3092% | 287 |
| Return on Equity (ROE) | 9.2689% | 2,334 |
| Retained earnings to average equity (ytd only) | 6.8769% | 1,334 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.8145% | 6,135 |
| Assets per employee ($millions) | 7.5088% | 695 |
| Cash dividends to net income (ytd only)* | 25.8065% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2706% | 6,071 |
| 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 | 66.2594% | 2,950 |
| Net loans and leases to deposits | 80.0523% | 2,815 |
| Net loans and leases to core deposits | 80.8721% | 3,254 |
| Total domestic deposits to total assets | 82.7701% | 3,921 |
| Equity capital to assets | 17.1733% | 390 |
| Core capital (leverage) ratio | 16.7397% | 396 |
| Tier 1 risk-based capital ratio | 26.4608% | 710 |
| Total risk-based capital ratio | 26.7378% | 756 |
| Memoranda: | ||
| Average total assets | $30,530,400 | 5,948 |
| Average earning assets | $29,362,000 | 5,911 |
| Average equity | $5,016,800 | 5,651 |
| Average total loans | $18,006,000 | 5,792 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4220% | 5,157 |
| Cost of funding earning assets | 0.2393% | 5,000 |
| Net interest margin | 3.1828% | 4,725 |
| Noninterest income to average assets | 0.1957% | 5,480 |
| Noninterest expense to average assets | 0.8568% | 6,226 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6658% | 670 |
| Return on assets (ROA) | 1.6658% | 690 |
| Pretax return on assets | 2.4052% | 282 |
| Return on Equity (ROE) | 10.2509% | 1,998 |
| Retained earnings to average equity (ytd only) | 8.9128% | 937 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.2667% | 6,239 |
| Assets per employee ($millions) | 7.6908% | 620 |
| Cash dividends to net income (ytd only)* | 13.0559% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2927% | 6,147 |
| 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 | 59.7959% | 3,905 |
| Net loans and leases to deposits | 71.8499% | 3,788 |
| Net loans and leases to core deposits | 72.5641% | 4,147 |
| Total domestic deposits to total assets | 83.2234% | 3,727 |
| Equity capital to assets | 16.7279% | 466 |
| Core capital (leverage) ratio | 16.4751% | 430 |
| Tier 1 risk-based capital ratio | 28.6334% | 588 |
| Total risk-based capital ratio | 28.9339% | 624 |
| Memoranda: | ||
| Average total assets | $30,654,250 | 6,028 |
| Average earning assets | $29,533,250 | 5,988 |
| Average equity | $4,981,500 | 5,727 |
| Average total loans | $17,518,750 | 5,881 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3758% | 5,282 |
| Cost of funding earning assets | 0.2373% | 5,080 |
| Net interest margin | 3.1386% | 4,859 |
| Noninterest income to average assets | 0.1633% | 5,727 |
| Noninterest expense to average assets | 0.9276% | 6,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5546% | 825 |
| Return on assets (ROA) | 1.5546% | 854 |
| Pretax return on assets | 2.2601% | 371 |
| Return on Equity (ROE) | 9.6617% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.6617% | 740 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.0984% | 6,304 |
| Assets per employee ($millions) | 7.8080% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3122% | 6,208 |
| 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 | 55.2030% | 4,423 |
| Net loans and leases to deposits | 65.8959% | 4,344 |
| Net loans and leases to core deposits | 66.5342% | 4,608 |
| Total domestic deposits to total assets | 83.7731% | 3,660 |
| Equity capital to assets | 16.1725% | 507 |
| Core capital (leverage) ratio | 16.4175% | 418 |
| Tier 1 risk-based capital ratio | 30.2473% | 531 |
| Total risk-based capital ratio | 30.5707% | 567 |
| Memoranda: | ||
| Average total assets | $30,618,000 | 6,098 |
| Average earning assets | $29,504,000 | 6,051 |
| Average equity | $4,926,670 | 5,797 |
| Average total loans | $17,208,670 | 5,950 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4236% | 5,155 |
| Cost of funding earning assets | 0.2328% | 5,187 |
| Net interest margin | 3.1908% | 4,645 |
| Noninterest income to average assets | 0.1584% | 5,793 |
| Noninterest expense to average assets | 1.1481% | 6,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3592% | 1,118 |
| Return on assets (ROA) | 1.3592% | 1,181 |
| Pretax return on assets | 2.0851% | 497 |
| Return on Equity (ROE) | 8.4695% | 2,714 |
| Retained earnings to average equity (ytd only) | 8.4695% | 1,387 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.5102% | 6,333 |
| Assets per employee ($millions) | 7.6803% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3189% | 6,286 |
| 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 | 54.9461% | 4,324 |
| Net loans and leases to deposits | 65.4492% | 4,207 |
| Net loans and leases to core deposits | 66.0924% | 4,511 |
| Total domestic deposits to total assets | 83.9523% | 3,836 |
| Equity capital to assets | 16.0021% | 546 |
| Core capital (leverage) ratio | 15.4247% | 547 |
| Tier 1 risk-based capital ratio | 30.2691% | 528 |
| Total risk-based capital ratio | 30.6016% | 566 |
| Memoranda: | ||
| Average total assets | $30,311,000 | 6,168 |
| Average earning assets | $29,209,000 | 6,120 |
| Average equity | $4,864,500 | 5,865 |
| Average total loans | $17,165,500 | 6,006 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4192% | 5,496 |
| Cost of funding earning assets | 0.2537% | 5,285 |
| Net interest margin | 3.1656% | 5,034 |
| Noninterest income to average assets | 0.1707% | 5,833 |
| Noninterest expense to average assets | 1.0109% | 6,446 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3851% | 1,109 |
| Return on assets (ROA) | 1.3851% | 1,145 |
| Pretax return on assets | 2.2319% | 301 |
| Return on Equity (ROE) | 8.9913% | 2,587 |
| Retained earnings to average equity (ytd only) | 6.6476% | 1,571 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.1741% | 6,460 |
| Assets per employee ($millions) | 7.4753% | 667 |
| Cash dividends to net income (ytd only)* | 26.0664% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3104% | 6,380 |
| 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 | 58.0014% | 4,046 |
| Net loans and leases to deposits | 69.1783% | 4,008 |
| Net loans and leases to core deposits | 69.8779% | 4,340 |
| Total domestic deposits to total assets | 83.8433% | 3,787 |
| Equity capital to assets | 16.0965% | 523 |
| Core capital (leverage) ratio | 15.1878% | 576 |
| Tier 1 risk-based capital ratio | 28.5587% | 591 |
| Total risk-based capital ratio | 28.8791% | 623 |
| Memoranda: | ||
| Average total assets | $30,467,800 | 6,243 |
| Average earning assets | $29,568,200 | 6,190 |
| Average equity | $4,693,400 | 5,929 |
| Average total loans | $17,324,800 | 6,074 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3896% | 5,613 |
| Cost of funding earning assets | 0.2504% | 5,404 |
| Net interest margin | 3.1392% | 5,148 |
| Noninterest income to average assets | 0.1655% | 5,926 |
| Noninterest expense to average assets | 0.8320% | 6,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5332% | 878 |
| Return on assets (ROA) | 1.5332% | 910 |
| Pretax return on assets | 2.3913% | 261 |
| Return on Equity (ROE) | 10.0637% | 2,188 |
| Retained earnings to average equity (ytd only) | 8.6343% | 1,117 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.8108% | 6,557 |
| Assets per employee ($millions) | 7.7930% | 563 |
| Cash dividends to net income (ytd only)* | 14.2057% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3142% | 6,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 54.9660% | 4,465 |
| Net loans and leases to deposits | 65.0173% | 4,428 |
| Net loans and leases to core deposits | 65.6425% | 4,742 |
| Total domestic deposits to total assets | 84.5406% | 3,526 |
| Equity capital to assets | 15.4081% | 651 |
| Core capital (leverage) ratio | 15.0711% | 609 |
| Tier 1 risk-based capital ratio | 28.9128% | 584 |
| Total risk-based capital ratio | 29.2379% | 626 |
| Memoranda: | ||
| Average total assets | $30,609,500 | 6,312 |
| Average earning assets | $29,816,250 | 6,260 |
| Average equity | $4,663,500 | 5,999 |
| Average total loans | $17,306,750 | 6,137 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4403% | 5,542 |
| Cost of funding earning assets | 0.2496% | 5,491 |
| Net interest margin | 3.1907% | 4,976 |
| Noninterest income to average assets | 0.1446% | 6,095 |
| Noninterest expense to average assets | 0.9072% | 6,608 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5778% | 744 |
| Return on assets (ROA) | 1.5778% | 776 |
| Pretax return on assets | 2.3470% | 278 |
| Return on Equity (ROE) | 10.3964% | 1,978 |
| Retained earnings to average equity (ytd only) | 10.3964% | 635 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.8788% | 6,618 |
| Assets per employee ($millions) | 7.9615% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3210% | 6,530 |
| 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 | 52.6534% | 4,680 |
| Net loans and leases to deposits | 61.9019% | 4,700 |
| Net loans and leases to core deposits | 62.4809% | 4,932 |
| Total domestic deposits to total assets | 85.0593% | 3,475 |
| Equity capital to assets | 14.8873% | 727 |
| Core capital (leverage) ratio | 14.9946% | 611 |
| Tier 1 risk-based capital ratio | 29.3833% | 552 |
| Total risk-based capital ratio | 29.7180% | 602 |
| Memoranda: | ||
| Average total assets | $30,422,000 | 6,374 |
| Average earning assets | $29,648,670 | 6,321 |
| Average equity | $4,617,000 | 6,052 |
| Average total loans | $17,346,330 | 6,182 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5252% | 5,362 |
| Cost of funding earning assets | 0.2479% | 5,599 |
| Net interest margin | 3.2773% | 4,635 |
| Noninterest income to average assets | 0.1346% | 6,175 |
| Noninterest expense to average assets | 1.1040% | 6,657 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4541% | 892 |
| Return on assets (ROA) | 1.4541% | 923 |
| Pretax return on assets | 2.2349% | 338 |
| Return on Equity (ROE) | 9.4841% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.4841% | 1,112 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.0645% | 6,657 |
| Assets per employee ($millions) | 7.8008% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2973% | 6,611 |
| 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 | 58.0393% | 3,833 |
| Net loans and leases to deposits | 68.1365% | 3,842 |
| Net loans and leases to core deposits | 68.7861% | 4,231 |
| Total domestic deposits to total assets | 85.1809% | 3,788 |
| Equity capital to assets | 14.7710% | 719 |
| Core capital (leverage) ratio | 14.8085% | 621 |
| Tier 1 risk-based capital ratio | 26.5129% | 747 |
| Total risk-based capital ratio | 26.8235% | 808 |
| Memoranda: | ||
| Average total assets | $29,710,000 | 6,452 |
| Average earning assets | $29,048,000 | 6,396 |
| Average equity | $4,555,000 | 6,114 |
| Average total loans | $17,608,500 | 6,231 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2475% | 6,081 |
| Cost of funding earning assets | 0.2959% | 5,633 |
| Net interest margin | 2.9516% | 5,673 |
| Noninterest income to average assets | 0.1917% | 5,944 |
| Noninterest expense to average assets | 1.0167% | 6,750 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2256% | 1,468 |
| Return on assets (ROA) | 1.2256% | 1,535 |
| Pretax return on assets | 1.9753% | 513 |
| Return on Equity (ROE) | 8.1142% | 2,977 |
| Retained earnings to average equity (ytd only) | 5.6210% | 2,200 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.9817% | 6,745 |
| Assets per employee ($millions) | 7.0543% | 738 |
| Cash dividends to net income (ytd only)* | 30.7263% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3167% | 6,681 |
| 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 | 60.2438% | 3,670 |
| Net loans and leases to deposits | 72.4009% | 3,472 |
| Net loans and leases to core deposits | 72.4009% | 4,015 |
| Total domestic deposits to total assets | 83.2087% | 4,469 |
| Equity capital to assets | 15.9514% | 531 |
| Core capital (leverage) ratio | 15.2292% | 580 |
| Tier 1 risk-based capital ratio | 27.5055% | 640 |
| Total risk-based capital ratio | 27.8355% | 703 |
| Memoranda: | ||
| Average total assets | $29,211,000 | 6,537 |
| Average earning assets | $27,714,000 | 6,493 |
| Average equity | $4,412,000 | 6,231 |
| Average total loans | $15,138,600 | 6,410 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1986% | 6,196 |
| Cost of funding earning assets | 0.3030% | 5,705 |
| Net interest margin | 2.8956% | 5,828 |
| Noninterest income to average assets | 0.1901% | 6,053 |
| Noninterest expense to average assets | 0.8373% | 6,847 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3759% | 1,160 |
| Return on assets (ROA) | 1.3759% | 1,204 |
| Pretax return on assets | 2.0774% | 493 |
| Return on Equity (ROE) | 9.2333% | 2,523 |
| Retained earnings to average equity (ytd only) | 7.7148% | 1,542 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.7267% | 6,844 |
| Assets per employee ($millions) | 7.2778% | 656 |
| Cash dividends to net income (ytd only)* | 16.4487% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3625% | 6,745 |
| 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 | 50.9842% | 5,005 |
| Net loans and leases to deposits | 60.3652% | 4,931 |
| Net loans and leases to core deposits | 60.3652% | 5,267 |
| Total domestic deposits to total assets | 84.4595% | 4,000 |
| Equity capital to assets | 15.4821% | 629 |
| Core capital (leverage) ratio | 15.0399% | 632 |
| Tier 1 risk-based capital ratio | 31.8741% | 442 |
| Total risk-based capital ratio | 32.2560% | 467 |
| Memoranda: | ||
| Average total assets | $29,459,500 | 6,600 |
| Average earning assets | $27,719,750 | 6,572 |
| Average equity | $4,389,750 | 6,310 |
| Average total loans | $14,660,000 | 6,495 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2469% | 6,163 |
| Cost of funding earning assets | 0.3123% | 5,737 |
| Net interest margin | 2.9346% | 5,717 |
| Noninterest income to average assets | 0.1893% | 6,075 |
| Noninterest expense to average assets | 0.9062% | 6,889 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3322% | 1,239 |
| Return on assets (ROA) | 1.3322% | 1,322 |
| Pretax return on assets | 2.0152% | 590 |
| Return on Equity (ROE) | 9.0561% | 2,583 |
| Retained earnings to average equity (ytd only) | 9.0561% | 1,101 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.0185% | 6,872 |
| Assets per employee ($millions) | 7.6003% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3875% | 6,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 45.6564% | 5,574 |
| Net loans and leases to deposits | 53.5267% | 5,554 |
| Net loans and leases to core deposits | 53.5267% | 5,791 |
| Total domestic deposits to total assets | 85.2965% | 3,744 |
| Equity capital to assets | 14.6377% | 791 |
| Core capital (leverage) ratio | 14.4603% | 713 |
| Tier 1 risk-based capital ratio | 33.9177% | 374 |
| Total risk-based capital ratio | 34.3293% | 395 |
| Memoranda: | ||
| Average total assets | $29,575,670 | 6,646 |
| Average earning assets | $27,534,000 | 6,621 |
| Average equity | $4,350,670 | 6,375 |
| Average total loans | $14,581,330 | 6,539 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4585% | 5,814 |
| Cost of funding earning assets | 0.3308% | 5,715 |
| Net interest margin | 3.1277% | 5,170 |
| Noninterest income to average assets | 0.1646% | 6,273 |
| Noninterest expense to average assets | 1.0561% | 6,950 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3167% | 1,237 |
| Return on assets (ROA) | 1.3167% | 1,341 |
| Pretax return on assets | 1.9614% | 635 |
| Return on Equity (ROE) | 8.9282% | 2,514 |
| Retained earnings to average equity (ytd only) | 8.9282% | 1,401 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.0000% | 6,925 |
| Assets per employee ($millions) | 7.5938% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3646% | 6,870 |
| 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 | 48.5794% | 5,167 |
| Net loans and leases to deposits | 56.7364% | 5,168 |
| Net loans and leases to core deposits | 56.7364% | 5,452 |
| Total domestic deposits to total assets | 85.6230% | 3,723 |
| Equity capital to assets | 14.3177% | 932 |
| Core capital (leverage) ratio | 14.2492% | 729 |
| Tier 1 risk-based capital ratio | 31.1444% | 481 |
| Total risk-based capital ratio | 31.5311% | 513 |
| Memoranda: | ||
| Average total assets | $29,163,000 | 6,736 |
| Average earning assets | $26,601,000 | 6,703 |
| Average equity | $4,301,000 | 6,447 |
| Average total loans | $14,905,000 | 6,586 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8340% | 5,753 |
| Cost of funding earning assets | 0.4905% | 5,285 |
| Net interest margin | 3.3434% | 5,099 |
| Noninterest income to average assets | 0.1731% | 6,166 |
| Noninterest expense to average assets | 0.9798% | 7,015 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1321% | 1,834 |
| Return on assets (ROA) | 1.1321% | 2,003 |
| Pretax return on assets | 1.8833% | 776 |
| Return on Equity (ROE) | 7.8504% | 3,151 |
| Retained earnings to average equity (ytd only) | 5.4497% | 2,417 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.2201% | 7,001 |
| Assets per employee ($millions) | 6.9878% | 768 |
| Cash dividends to net income (ytd only)* | 30.5810% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3600% | 6,921 |
| 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 | 53.4721% | 4,693 |
| Net loans and leases to deposits | 63.1379% | 4,646 |
| Net loans and leases to core deposits | 65.9227% | 4,745 |
| Total domestic deposits to total assets | 84.6911% | 3,990 |
| Equity capital to assets | 15.2159% | 697 |
| Core capital (leverage) ratio | 14.2709% | 724 |
| Tier 1 risk-based capital ratio | 29.8205% | 522 |
| Total risk-based capital ratio | 30.1991% | 552 |
| Memoranda: | ||
| Average total assets | $28,884,800 | 6,778 |
| Average earning assets | $23,239,600 | 6,833 |
| Average equity | $4,165,400 | 6,528 |
| Average total loans | $14,393,600 | 6,686 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8180% | 5,982 |
| Cost of funding earning assets | 0.5117% | 5,359 |
| Net interest margin | 3.3062% | 5,369 |
| Noninterest income to average assets | 0.1694% | 6,289 |
| Noninterest expense to average assets | 0.8151% | 7,139 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2317% | 1,624 |
| Return on assets (ROA) | 1.2317% | 1,799 |
| Pretax return on assets | 1.9872% | 714 |
| Return on Equity (ROE) | 8.6560% | 2,975 |
| Retained earnings to average equity (ytd only) | 7.0469% | 2,095 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.0850% | 7,123 |
| Assets per employee ($millions) | 8.0350% | 474 |
| Cash dividends to net income (ytd only)* | 18.5886% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3744% | 7,028 |
| 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 | 44.7075% | 5,903 |
| Net loans and leases to deposits | 51.5554% | 6,005 |
| Net loans and leases to core deposits | 53.4740% | 6,084 |
| Total domestic deposits to total assets | 86.7175% | 2,840 |
| Equity capital to assets | 13.2078% | 1,492 |
| Core capital (leverage) ratio | 14.2402% | 764 |
| Tier 1 risk-based capital ratio | 31.0375% | 480 |
| Total risk-based capital ratio | 31.4323% | 510 |
| Memoranda: | ||
| Average total assets | $29,118,250 | 6,863 |
| Average earning assets | $23,188,000 | 6,923 |
| Average equity | $4,143,500 | 6,612 |
| Average total loans | $14,242,000 | 6,780 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9421% | 5,806 |
| Cost of funding earning assets | 0.5480% | 5,319 |
| Net interest margin | 3.3941% | 5,109 |
| Noninterest income to average assets | 0.1636% | 6,357 |
| Noninterest expense to average assets | 0.9178% | 7,198 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1953% | 1,735 |
| Return on assets (ROA) | 1.1953% | 1,932 |
| Pretax return on assets | 1.9779% | 721 |
| Return on Equity (ROE) | 8.1758% | 3,179 |
| Retained earnings to average equity (ytd only) | 8.1758% | 1,579 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.6953% | 7,165 |
| Assets per employee ($millions) | 7.3403% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3981% | 7,082 |
| 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 | 46.0202% | 5,822 |
| Net loans and leases to deposits | 53.7534% | 5,897 |
| Net loans and leases to core deposits | 54.4949% | 6,060 |
| Total domestic deposits to total assets | 85.6136% | 3,559 |
| Equity capital to assets | 14.2843% | 982 |
| Core capital (leverage) ratio | 14.2794% | 741 |
| Tier 1 risk-based capital ratio | 32.7836% | 411 |
| Total risk-based capital ratio | 33.2057% | 436 |
| Memoranda: | ||
| Average total assets | $28,111,000 | 6,946 |
| Average earning assets | $22,627,670 | 6,994 |
| Average equity | $4,109,670 | 6,654 |
| Average total loans | $14,181,670 | 6,836 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0636% | 5,568 |
| Cost of funding earning assets | 0.5755% | 5,314 |
| Net interest margin | 3.4880% | 4,763 |
| Noninterest income to average assets | 0.1746% | 6,330 |
| Noninterest expense to average assets | 1.1351% | 7,226 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2079% | 1,711 |
| Return on assets (ROA) | 1.2079% | 1,892 |
| Pretax return on assets | 1.9501% | 807 |
| Return on Equity (ROE) | 8.1623% | 3,210 |
| Retained earnings to average equity (ytd only) | 8.1623% | 1,922 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.7925% | 7,170 |
| Assets per employee ($millions) | 7.2453% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3884% | 7,139 |
| 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 | 47.7830% | 5,585 |
| Net loans and leases to deposits | 55.7421% | 5,636 |
| Net loans and leases to core deposits | 56.4833% | 5,861 |
| Total domestic deposits to total assets | 85.7217% | 3,677 |
| Equity capital to assets | 14.1783% | 957 |
| Core capital (leverage) ratio | 14.3236% | 726 |
| Tier 1 risk-based capital ratio | 31.4432% | 463 |
| Total risk-based capital ratio | 31.8564% | 491 |
| Memoranda: | ||
| Average total assets | $27,486,000 | 7,016 |
| Average earning assets | $22,935,500 | 7,050 |
| Average equity | $4,067,500 | 6,701 |
| Average total loans | $14,489,500 | 6,885 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9365% | 6,565 |
| Cost of funding earning assets | 0.7426% | 5,259 |
| Net interest margin | 3.1938% | 6,114 |
| Noninterest income to average assets | 0.1534% | 6,382 |
| Noninterest expense to average assets | 1.0555% | 7,289 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1322% | 1,716 |
| Return on assets (ROA) | 1.1322% | 1,837 |
| Pretax return on assets | 1.8152% | 782 |
| Return on Equity (ROE) | 7.8493% | 2,986 |
| Retained earnings to average equity (ytd only) | 5.0641% | 2,591 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.7684% | 7,245 |
| Assets per employee ($millions) | 6.4978% | 962 |
| Cash dividends to net income (ytd only)* | 35.4839% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3582% | 7,189 |
| 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 | 57.8008% | 4,407 |
| Net loans and leases to deposits | 68.5075% | 4,367 |
| Net loans and leases to core deposits | 69.7609% | 4,812 |
| Total domestic deposits to total assets | 84.3715% | 4,155 |
| Equity capital to assets | 15.4900% | 679 |
| Core capital (leverage) ratio | 13.9351% | 841 |
| Tier 1 risk-based capital ratio | 28.0538% | 621 |
| Total risk-based capital ratio | 28.4301% | 670 |
| Memoranda: | ||
| Average total assets | $27,380,600 | 7,043 |
| Average earning assets | $23,295,000 | 7,068 |
| Average equity | $3,949,400 | 6,766 |
| Average total loans | $14,449,000 | 6,931 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9302% | 6,691 |
| Cost of funding earning assets | 0.7918% | 5,196 |
| Net interest margin | 3.1385% | 6,322 |
| Noninterest income to average assets | 0.1395% | 6,551 |
| Noninterest expense to average assets | 0.9088% | 7,382 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1973% | 1,661 |
| Return on assets (ROA) | 1.1973% | 1,774 |
| Pretax return on assets | 1.8609% | 843 |
| Return on Equity (ROE) | 8.4470% | 2,856 |
| Retained earnings to average equity (ytd only) | 6.7510% | 2,109 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.8125% | 7,342 |
| Assets per employee ($millions) | 7.0655% | 721 |
| Cash dividends to net income (ytd only)* | 20.0819% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3975% | 7,231 |
| 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 | 47.8735% | 5,972 |
| Net loans and leases to deposits | 55.9068% | 6,044 |
| Net loans and leases to core deposits | 56.8105% | 6,241 |
| Total domestic deposits to total assets | 85.6309% | 3,427 |
| Equity capital to assets | 14.2417% | 1,069 |
| Core capital (leverage) ratio | 14.1541% | 860 |
| Tier 1 risk-based capital ratio | 31.4527% | 474 |
| Total risk-based capital ratio | 31.8747% | 495 |
| Memoranda: | ||
| Average total assets | $27,728,000 | 7,101 |
| Average earning assets | $23,238,000 | 7,142 |
| Average equity | $3,930,250 | 6,821 |
| Average total loans | $14,292,000 | 7,007 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0393% | 6,598 |
| Cost of funding earning assets | 0.8444% | 5,107 |
| Net interest margin | 3.1949% | 6,175 |
| Noninterest income to average assets | 0.1234% | 6,714 |
| Noninterest expense to average assets | 1.0091% | 7,452 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0744% | 1,956 |
| Return on assets (ROA) | 1.0744% | 2,050 |
| Pretax return on assets | 1.7786% | 917 |
| Return on Equity (ROE) | 7.5923% | 3,145 |
| Retained earnings to average equity (ytd only) | 7.5923% | 1,620 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1979% | 7,384 |
| Assets per employee ($millions) | 7.1295% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4032% | 7,293 |
| 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 | 46.7740% | 6,180 |
| Net loans and leases to deposits | 54.4449% | 6,277 |
| Net loans and leases to core deposits | 55.3118% | 6,473 |
| Total domestic deposits to total assets | 85.9107% | 3,372 |
| Equity capital to assets | 13.9351% | 1,119 |
| Core capital (leverage) ratio | 13.9605% | 879 |
| Tier 1 risk-based capital ratio | 32.0200% | 451 |
| Total risk-based capital ratio | 32.4551% | 476 |
| Memoranda: | ||
| Average total assets | $27,550,000 | 7,171 |
| Average earning assets | $22,974,000 | 7,217 |
| Average equity | $3,898,670 | 6,874 |
| Average total loans | $14,528,000 | 7,060 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3120% | 5,986 |
| Cost of funding earning assets | 0.9050% | 4,880 |
| Net interest margin | 3.4070% | 5,403 |
| Noninterest income to average assets | 0.0887% | 6,970 |
| Noninterest expense to average assets | 1.1971% | 7,489 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0345% | 2,052 |
| Return on assets (ROA) | 1.0345% | 2,103 |
| Pretax return on assets | 1.7291% | 929 |
| Return on Equity (ROE) | 7.2520% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.2520% | 2,044 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9091% | 7,374 |
| Assets per employee ($millions) | 6.9743% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3693% | 7,362 |
| 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 | 52.2278% | 5,545 |
| Net loans and leases to deposits | 60.8224% | 5,636 |
| Net loans and leases to core deposits | 61.8028% | 5,945 |
| Total domestic deposits to total assets | 85.8694% | 3,600 |
| Equity capital to assets | 13.9657% | 1,016 |
| Core capital (leverage) ratio | 13.8249% | 891 |
| Tier 1 risk-based capital ratio | 28.7125% | 594 |
| Total risk-based capital ratio | 29.1105% | 629 |
| Memoranda: | ||
| Average total assets | $27,066,000 | 7,234 |
| Average earning assets | $22,541,500 | 7,281 |
| Average equity | $3,861,000 | 6,919 |
| Average total loans | $15,095,500 | 7,082 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5460% | 6,266 |
| Cost of funding earning assets | 1.0715% | 5,303 |
| Net interest margin | 3.4744% | 5,347 |
| Noninterest income to average assets | 0.1855% | 6,428 |
| Noninterest expense to average assets | 1.1562% | 7,555 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.3180% | 1,126 |
| Return on assets (ROA) | 1.3180% | 1,198 |
| Pretax return on assets | 1.9849% | 492 |
| Return on Equity (ROE) | 8.9487% | 2,315 |
| Retained earnings to average equity (ytd only) | 6.2694% | 1,683 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8090% | 7,537 |
| Assets per employee ($millions) | 6.5588% | 921 |
| Cash dividends to net income (ytd only)* | 29.9401% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3469% | 7,457 |
| 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 | 59.1309% | 4,816 |
| Net loans and leases to deposits | 69.4001% | 4,896 |
| Net loans and leases to core deposits | 70.6003% | 5,387 |
| Total domestic deposits to total assets | 85.2030% | 3,752 |
| Equity capital to assets | 14.5836% | 886 |
| Core capital (leverage) ratio | 13.8920% | 865 |
| Tier 1 risk-based capital ratio | 26.0467% | 750 |
| Total risk-based capital ratio | 26.4143% | 811 |
| Memoranda: | ||
| Average total assets | $25,341,600 | 7,336 |
| Average earning assets | $21,557,600 | 7,363 |
| Average equity | $3,732,400 | 7,077 |
| Average total loans | $14,711,600 | 7,175 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5862% | 6,374 |
| Cost of funding earning assets | 1.0946% | 5,449 |
| Net interest margin | 3.4915% | 5,329 |
| Noninterest income to average assets | 0.1911% | 6,513 |
| Noninterest expense to average assets | 0.9767% | 7,699 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4757% | 962 |
| Return on assets (ROA) | 1.4757% | 1,039 |
| Pretax return on assets | 2.1604% | 446 |
| Return on Equity (ROE) | 9.9935% | 2,124 |
| Retained earnings to average equity (ytd only) | 8.1960% | 1,354 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.1337% | 7,678 |
| Assets per employee ($millions) | 6.6120% | 922 |
| Cash dividends to net income (ytd only)* | 17.9868% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3521% | 7,567 |
| 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 | 57.7775% | 5,290 |
| Net loans and leases to deposits | 67.6929% | 5,464 |
| Net loans and leases to core deposits | 68.8209% | 5,864 |
| Total domestic deposits to total assets | 85.3524% | 3,434 |
| Equity capital to assets | 14.4434% | 1,034 |
| Core capital (leverage) ratio | 14.8252% | 754 |
| Tier 1 risk-based capital ratio | 26.3994% | 745 |
| Total risk-based capital ratio | 26.7726% | 798 |
| Memoranda: | ||
| Average total assets | $25,118,250 | 7,435 |
| Average earning assets | $21,193,750 | 7,467 |
| Average equity | $3,709,000 | 7,173 |
| Average total loans | $14,497,750 | 7,283 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5972% | 6,465 |
| Cost of funding earning assets | 1.1130% | 5,609 |
| Net interest margin | 3.4842% | 5,307 |
| Noninterest income to average assets | 0.1864% | 6,570 |
| Noninterest expense to average assets | 1.0618% | 7,760 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3455% | 1,199 |
| Return on assets (ROA) | 1.3455% | 1,271 |
| Pretax return on assets | 2.0426% | 557 |
| Return on Equity (ROE) | 9.0414% | 2,446 |
| Retained earnings to average equity (ytd only) | 9.0414% | 1,094 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.2037% | 7,716 |
| Assets per employee ($millions) | 6.4073% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3634% | 7,623 |
| 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 | 57.7744% | 5,451 |
| Net loans and leases to deposits | 67.8815% | 5,571 |
| Net loans and leases to core deposits | 69.0464% | 5,968 |
| Total domestic deposits to total assets | 85.1106% | 3,572 |
| Equity capital to assets | 14.6631% | 958 |
| Core capital (leverage) ratio | 14.9554% | 728 |
| Tier 1 risk-based capital ratio | 27.0146% | 697 |
| Total risk-based capital ratio | 27.4028% | 750 |
| Memoranda: | ||
| Average total assets | $24,675,000 | 7,508 |
| Average earning assets | $20,664,670 | 7,540 |
| Average equity | $3,672,000 | 7,221 |
| Average total loans | $14,218,670 | 7,346 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7774% | 5,976 |
| Cost of funding earning assets | 1.1490% | 5,667 |
| Net interest margin | 3.6284% | 4,586 |
| Noninterest income to average assets | 0.1488% | 6,905 |
| Noninterest expense to average assets | 1.2728% | 7,813 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2232% | 1,480 |
| Return on assets (ROA) | 1.2232% | 1,555 |
| Pretax return on assets | 1.8514% | 801 |
| Return on Equity (ROE) | 8.1565% | 2,801 |
| Retained earnings to average equity (ytd only) | 8.1565% | 1,640 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7407% | 7,712 |
| Assets per employee ($millions) | 5.9325% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3901% | 7,696 |
| 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 | 58.0995% | 5,420 |
| Net loans and leases to deposits | 68.8971% | 5,482 |
| Net loans and leases to core deposits | 69.9599% | 5,923 |
| Total domestic deposits to total assets | 84.3279% | 3,981 |
| Equity capital to assets | 15.4488% | 776 |
| Core capital (leverage) ratio | 14.8789% | 774 |
| Tier 1 risk-based capital ratio | 28.5181% | 603 |
| Total risk-based capital ratio | 28.9382% | 649 |
| Memoranda: | ||
| Average total assets | $24,198,000 | 7,617 |
| Average earning assets | $19,843,500 | 7,657 |
| Average equity | $3,629,000 | 7,306 |
| Average total loans | $13,897,500 | 7,450 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3636% | 4,872 |
| Cost of funding earning assets | 1.5779% | 5,140 |
| Net interest margin | 3.7857% | 3,772 |
| Noninterest income to average assets | 0.2243% | 6,508 |
| Noninterest expense to average assets | 1.1379% | 7,926 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.1420% | 1,407 |
| Return on assets (ROA) | 1.1420% | 1,430 |
| Pretax return on assets | 1.7089% | 762 |
| Return on Equity (ROE) | 7.9640% | 2,388 |
| Retained earnings to average equity (ytd only) | 5.1197% | 1,756 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9713% | 7,857 |
| Assets per employee ($millions) | 6.1665% | 1,149 |
| Cash dividends to net income (ytd only)* | 35.7143% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3870% | 7,768 |
| 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 | 56.3529% | 5,902 |
| Net loans and leases to deposits | 66.1464% | 6,027 |
| Net loans and leases to core deposits | 74.2006% | 6,522 |
| Total domestic deposits to total assets | 85.1942% | 3,460 |
| Equity capital to assets | 14.5626% | 1,010 |
| Core capital (leverage) ratio | 13.6802% | 1,049 |
| Tier 1 risk-based capital ratio | 27.5291% | 669 |
| Total risk-based capital ratio | 27.9430% | 704 |
| Memoranda: | ||
| Average total assets | $24,518,800 | 7,653 |
| Average earning assets | $16,984,800 | 7,790 |
| Average equity | $3,515,800 | 7,440 |
| Average total loans | $13,739,400 | 7,509 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6922% | 3,379 |
| Cost of funding earning assets | 1.7379% | 4,709 |
| Net interest margin | 3.9543% | 3,016 |
| Noninterest income to average assets | 0.2070% | 6,744 |
| Noninterest expense to average assets | 0.9531% | 8,038 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2472% | 1,350 |
| Return on assets (ROA) | 1.2472% | 1,418 |
| Pretax return on assets | 1.8190% | 772 |
| Return on Equity (ROE) | 8.7318% | 2,363 |
| Retained earnings to average equity (ytd only) | 4.9189% | 2,542 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.3811% | 7,982 |
| Assets per employee ($millions) | 6.1000% | 1,166 |
| Cash dividends to net income (ytd only)* | 43.6675% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3929% | 7,826 |
| 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 | 56.1066% | 6,130 |
| Net loans and leases to deposits | 65.8141% | 6,327 |
| Net loans and leases to core deposits | 74.3012% | 6,711 |
| Total domestic deposits to total assets | 85.2500% | 3,098 |
| Equity capital to assets | 14.5123% | 1,142 |
| Core capital (leverage) ratio | 14.1833% | 1,048 |
| Tier 1 risk-based capital ratio | 27.4730% | 714 |
| Total risk-based capital ratio | 27.8920% | 757 |
| Memoranda: | ||
| Average total assets | $24,482,000 | 7,728 |
| Average earning assets | $15,881,000 | 7,900 |
| Average equity | $3,496,750 | 7,509 |
| Average total loans | $13,685,750 | 7,587 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4062% | 997 |
| Cost of funding earning assets | 2.0126% | 3,713 |
| Net interest margin | 4.3936% | 1,424 |
| Noninterest income to average assets | 0.2203% | 6,722 |
| Noninterest expense to average assets | 1.0037% | 8,126 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1669% | 1,568 |
| Return on assets (ROA) | 1.1669% | 1,646 |
| Pretax return on assets | 1.7463% | 942 |
| Return on Equity (ROE) | 8.2137% | 2,682 |
| Retained earnings to average equity (ytd only) | 8.2137% | 1,146 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.4985% | 8,064 |
| Assets per employee ($millions) | 6.2185% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4140% | 7,889 |
| 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 | 52.2192% | 6,659 |
| Net loans and leases to deposits | 61.1247% | 6,809 |
| Net loans and leases to core deposits | 68.7940% | 7,085 |
| Total domestic deposits to total assets | 85.4306% | 3,049 |
| Equity capital to assets | 14.2920% | 1,228 |
| Core capital (leverage) ratio | 14.4712% | 1,029 |
| Tier 1 risk-based capital ratio | 29.3972% | 636 |
| Total risk-based capital ratio | 29.8437% | 670 |
| Memoranda: | ||
| Average total assets | $24,509,330 | 7,801 |
| Average earning assets | $14,111,330 | 8,033 |
| Average equity | $3,482,000 | 7,581 |
| Average total loans | $13,666,330 | 7,670 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4344% | 986 |
| Cost of funding earning assets | 1.9969% | 4,147 |
| Net interest margin | 4.4375% | 1,255 |
| Noninterest income to average assets | 0.1973% | 6,882 |
| Noninterest expense to average assets | 1.1345% | 8,136 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1017% | 1,958 |
| Return on assets (ROA) | 1.1017% | 2,083 |
| Pretax return on assets | 1.6936% | 1,193 |
| Return on Equity (ROE) | 7.7783% | 3,254 |
| Retained earnings to average equity (ytd only) | 7.7783% | 1,898 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1163% | 8,050 |
| Assets per employee ($millions) | 5.9555% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4000% | 7,944 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 56.4436% | 6,172 |
| Net loans and leases to deposits | 66.2952% | 6,352 |
| Net loans and leases to core deposits | 73.6202% | 6,827 |
| Total domestic deposits to total assets | 85.1398% | 3,136 |
| Equity capital to assets | 14.6041% | 1,209 |
| Core capital (leverage) ratio | 14.5791% | 1,064 |
| Tier 1 risk-based capital ratio | 27.6111% | 779 |
| Total risk-based capital ratio | 28.0397% | 816 |
| Memoranda: | ||
| Average total assets | $24,327,000 | 7,855 |
| Average earning assets | $14,422,500 | 8,074 |
| Average equity | $3,445,500 | 7,640 |
| Average total loans | $13,978,000 | 7,693 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6733% | 6,856 |
| Cost of funding earning assets | 1.9591% | 6,538 |
| Net interest margin | 3.7143% | 4,408 |
| Noninterest income to average assets | 0.1844% | 7,129 |
| Noninterest expense to average assets | 1.2730% | 8,132 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4617% | 1,100 |
| Return on assets (ROA) | 1.4617% | 1,059 |
| Pretax return on assets | 2.1904% | 408 |
| Return on Equity (ROE) | 9.9796% | 2,266 |
| Retained earnings to average equity (ytd only) | 6.3834% | 1,370 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.7554% | 8,182 |
| Assets per employee ($millions) | 6.2080% | 1,031 |
| Cash dividends to net income (ytd only)* | 36.0360% | 3,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3735% | 8,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 57.9977% | 6,197 |
| Net loans and leases to deposits | 67.5168% | 6,504 |
| Net loans and leases to core deposits | 76.8968% | 6,806 |
| Total domestic deposits to total assets | 85.9013% | 2,447 |
| Equity capital to assets | 13.7403% | 1,524 |
| Core capital (leverage) ratio | 13.7116% | 1,326 |
| Tier 1 risk-based capital ratio | 25.5830% | 940 |
| Total risk-based capital ratio | 25.9879% | 986 |
| Memoranda: | ||
| Average total assets | $22,781,200 | 7,921 |
| Average earning assets | $20,111,600 | 7,935 |
| Average equity | $3,336,800 | 7,738 |
| Average total loans | $13,607,600 | 7,729 |