Home > Community State Bank of Southwestern Indiana > Performance and Condition Ratios
Community State Bank of Southwestern Indiana, Performance and Condition Ratios
| 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 | 3.6946% | 3,808 |
| Cost of funding earning assets | 0.5095% | 3,162 |
| Net interest margin | 3.1851% | 3,529 |
| Noninterest income to average assets | 1.3657% | 592 |
| Noninterest expense to average assets | 3.0248% | 1,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3478% | 1,239 |
| Return on assets (ROA) | 1.3478% | 1,335 |
| Pretax return on assets | 1.3478% | 1,882 |
| Return on Equity (ROE) | 13.8265% | 908 |
| Retained earnings to average equity (ytd only) | 7.7153% | 1,411 |
| 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 | 69.1757% | 2,011 |
| Assets per employee ($millions) | 4.0105% | 4,305 |
| Cash dividends to net income (ytd only)* | 44.1989% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 1,969 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 59.5570% | 3,274 |
| Net loans and leases to deposits | 67.2716% | 3,531 |
| Net loans and leases to core deposits | 68.7086% | 3,717 |
| Total domestic deposits to total assets | 88.5322% | 961 |
| Equity capital to assets | 9.8438% | 3,389 |
| Core capital (leverage) ratio | 9.7709% | 2,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7660% | 1,089 |
| Memoranda: | ||
| Average total assets | $89,523,750 | 4,129 |
| Average earning assets | $84,517,500 | 4,105 |
| Average equity | $8,727,000 | 4,362 |
| Average total loans | $58,775,750 | 3,962 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8917% | 3,646 |
| Cost of funding earning assets | 0.5525% | 3,223 |
| Net interest margin | 3.3392% | 3,275 |
| Noninterest income to average assets | 1.1149% | 800 |
| Noninterest expense to average assets | 3.0739% | 1,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1916% | 1,664 |
| Return on assets (ROA) | 1.1916% | 1,793 |
| Pretax return on assets | 1.1916% | 2,389 |
| Return on Equity (ROE) | 12.2658% | 1,269 |
| Retained earnings to average equity (ytd only) | 2.9735% | 3,401 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0635% | 1,675 |
| Assets per employee ($millions) | 3.9517% | 4,356 |
| Cash dividends to net income (ytd only)* | 75.7576% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,127 |
| 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 | 63.8973% | 2,894 |
| Net loans and leases to deposits | 71.8537% | 3,272 |
| Net loans and leases to core deposits | 72.8277% | 3,534 |
| Total domestic deposits to total assets | 88.9270% | 775 |
| Equity capital to assets | 9.5777% | 3,584 |
| Core capital (leverage) ratio | 9.6517% | 3,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3879% | 1,395 |
| Memoranda: | ||
| Average total assets | $88,618,000 | 4,148 |
| Average earning assets | $83,613,667 | 4,117 |
| Average equity | $8,609,333 | 4,391 |
| Average total loans | $59,805,667 | 3,950 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 3,119 |
| Cost of funding earning assets | 0.6112% | 3,375 |
| Net interest margin | 3.6187% | 2,610 |
| Noninterest income to average assets | 0.4435% | 2,828 |
| Noninterest expense to average assets | 2.9949% | 1,897 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8596% | 2,659 |
| Return on assets (ROA) | 0.8596% | 2,764 |
| Pretax return on assets | 0.8596% | 3,254 |
| Return on Equity (ROE) | 8.7835% | 2,199 |
| Retained earnings to average equity (ytd only) | -0.5606% | 4,084 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6987% | 1,375 |
| Assets per employee ($millions) | 3.8973% | 4,055 |
| Cash dividends to net income (ytd only)* | 106.3830% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 2,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 4,557 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 66.5986% | 2,748 |
| Net loans and leases to deposits | 74.9727% | 3,173 |
| Net loans and leases to core deposits | 76.7471% | 3,445 |
| Total domestic deposits to total assets | 88.8305% | 741 |
| Equity capital to assets | 9.5351% | 4,181 |
| Core capital (leverage) ratio | 9.7189% | 3,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3374% | 1,268 |
| Memoranda: | ||
| Average total assets | $87,483,000 | 4,167 |
| Average earning assets | $82,460,000 | 4,133 |
| Average equity | $8,561,500 | 4,415 |
| Average total loans | $60,296,000 | 3,948 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6993% | 2,329 |
| Cost of funding earning assets | 0.6603% | 3,359 |
| Net interest margin | 4.0390% | 1,714 |
| Noninterest income to average assets | 0.5504% | 2,479 |
| Noninterest expense to average assets | 3.1223% | 1,707 |
| Loan and lease loss provision to assets | 0.0382% | 3,250 |
| Net operating income to assets | 1.1952% | 2,075 |
| Return on assets (ROA) | 1.1952% | 2,173 |
| Pretax return on assets | 1.1952% | 2,856 |
| Return on Equity (ROE) | 11.9915% | 1,517 |
| Retained earnings to average equity (ytd only) | 7.1997% | 1,309 |
| Net charge-offs to loans | 0.0944% | 1,784 |
| Credit loss provision to net charge-offs | 56.1404% | 3,073 |
| Earnings coverage of net charge-offs (x) | 18.1228% | 2,074 |
| Efficiency ratio | 71.6831% | 1,912 |
| Assets per employee ($millions) | 3.7100% | 4,262 |
| Cash dividends to net income (ytd only)* | 39.9600% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 2,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 4,570 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 69.6071% | 2,458 |
| Net loans and leases to deposits | 78.8401% | 2,924 |
| Net loans and leases to core deposits | 80.8040% | 3,231 |
| Total domestic deposits to total assets | 88.2889% | 986 |
| Equity capital to assets | 10.0505% | 3,869 |
| Core capital (leverage) ratio | 10.1443% | 3,361 |
| Tier 1 risk-based capital ratio | 14.5893% | 2,970 |
| Total risk-based capital ratio | 15.8383% | 2,873 |
| Memoranda: | ||
| Average total assets | $83,752,000 | 4,233 |
| Average earning assets | $78,905,200 | 4,203 |
| Average equity | $8,347,600 | 4,466 |
| Average total loans | $60,378,200 | 3,977 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7931% | 2,137 |
| Cost of funding earning assets | 0.6636% | 3,378 |
| Net interest margin | 4.1295% | 1,549 |
| Noninterest income to average assets | 0.4735% | 2,885 |
| Noninterest expense to average assets | 2.9655% | 2,067 |
| Loan and lease loss provision to assets | 0.0512% | 2,882 |
| Net operating income to assets | 1.3484% | 1,650 |
| Return on assets (ROA) | 1.3484% | 1,723 |
| Pretax return on assets | 1.3484% | 2,504 |
| Return on Equity (ROE) | 13.5573% | 1,094 |
| Retained earnings to average equity (ytd only) | 10.3409% | 669 |
| Net charge-offs to loans | 0.1258% | 1,255 |
| Credit loss provision to net charge-offs | 56.1404% | 2,739 |
| Earnings coverage of net charge-offs (x) | 15.3505% | 2,191 |
| Efficiency ratio | 67.9370% | 2,432 |
| Assets per employee ($millions) | 3.5102% | 4,491 |
| Cash dividends to net income (ytd only)* | 23.7248% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 2,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 4,659 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 69.2112% | 2,593 |
| Net loans and leases to deposits | 78.5100% | 3,050 |
| Net loans and leases to core deposits | 80.2099% | 3,376 |
| Total domestic deposits to total assets | 88.1560% | 972 |
| Equity capital to assets | 10.2297% | 3,793 |
| Core capital (leverage) ratio | 10.1509% | 3,477 |
| Tier 1 risk-based capital ratio | 14.8274% | 2,935 |
| Total risk-based capital ratio | 16.0769% | 2,864 |
| Memoranda: | ||
| Average total assets | $83,357,750 | 4,288 |
| Average earning assets | $78,555,000 | 4,264 |
| Average equity | $8,290,500 | 4,525 |
| Average total loans | $60,436,500 | 4,021 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8118% | 2,023 |
| Cost of funding earning assets | 0.6487% | 3,419 |
| Net interest margin | 4.1631% | 1,446 |
| Noninterest income to average assets | 0.4117% | 3,199 |
| Noninterest expense to average assets | 3.0146% | 1,966 |
| Loan and lease loss provision to assets | 0.0048% | 3,628 |
| Net operating income to assets | 1.3171% | 1,714 |
| Return on assets (ROA) | 1.3171% | 1,772 |
| Pretax return on assets | 1.3171% | 2,494 |
| Return on Equity (ROE) | 13.3719% | 1,132 |
| Retained earnings to average equity (ytd only) | 8.4827% | 1,214 |
| Net charge-offs to loans | 0.0066% | 2,918 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 274.5000% | 294 |
| Efficiency ratio | 69.5169% | 2,306 |
| Assets per employee ($millions) | 3.5128% | 4,488 |
| Cash dividends to net income (ytd only)* | 36.5631% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 2,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 4,699 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 70.1780% | 2,507 |
| Net loans and leases to deposits | 79.2470% | 3,029 |
| Net loans and leases to core deposits | 81.1157% | 3,330 |
| Total domestic deposits to total assets | 88.5561% | 855 |
| Equity capital to assets | 9.8734% | 4,081 |
| Core capital (leverage) ratio | 9.8828% | 3,725 |
| Tier 1 risk-based capital ratio | 14.1939% | 3,218 |
| Total risk-based capital ratio | 15.4447% | 3,135 |
| Memoranda: | ||
| Average total assets | $83,062,000 | 4,327 |
| Average earning assets | $78,307,670 | 4,291 |
| Average equity | $8,181,330 | 4,562 |
| Average total loans | $60,896,330 | 4,031 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8923% | 1,613 |
| Cost of funding earning assets | 0.6115% | 3,504 |
| Net interest margin | 4.2808% | 1,131 |
| Noninterest income to average assets | 0.3785% | 3,331 |
| Noninterest expense to average assets | 3.0034% | 1,988 |
| Loan and lease loss provision to assets | 0.0097% | 3,309 |
| Net operating income to assets | 1.4071% | 1,354 |
| Return on assets (ROA) | 1.4071% | 1,380 |
| Pretax return on assets | 1.4071% | 2,058 |
| Return on Equity (ROE) | 14.3033% | 900 |
| Retained earnings to average equity (ytd only) | 14.3033% | 329 |
| Net charge-offs to loans | 0.0130% | 2,236 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 146.0000% | 512 |
| Efficiency ratio | 67.9473% | 2,649 |
| Assets per employee ($millions) | 3.5011% | 4,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 2,120 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 4,777 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 70.3770% | 2,423 |
| Net loans and leases to deposits | 79.4441% | 2,899 |
| Net loans and leases to core deposits | 81.3199% | 3,239 |
| Total domestic deposits to total assets | 88.5869% | 1,042 |
| Equity capital to assets | 9.8303% | 3,988 |
| Core capital (leverage) ratio | 10.0455% | 3,554 |
| Tier 1 risk-based capital ratio | 14.1816% | 3,255 |
| Total risk-based capital ratio | 15.4312% | 3,176 |
| Memoranda: | ||
| Average total assets | $82,439,500 | 4,375 |
| Average earning assets | $77,836,000 | 4,341 |
| Average equity | $8,110,000 | 4,606 |
| Average total loans | $61,374,500 | 4,062 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4016% | 2,753 |
| Cost of funding earning assets | 0.4671% | 3,571 |
| Net interest margin | 3.9345% | 2,210 |
| Noninterest income to average assets | 0.6608% | 2,010 |
| Noninterest expense to average assets | 3.1378% | 1,706 |
| Loan and lease loss provision to assets | 0.0310% | 3,566 |
| Net operating income to assets | 1.1988% | 2,174 |
| Return on assets (ROA) | 1.1988% | 2,172 |
| Pretax return on assets | 1.1988% | 2,883 |
| Return on Equity (ROE) | 12.5754% | 1,519 |
| Retained earnings to average equity (ytd only) | 7.3736% | 1,512 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6719% | 1,948 |
| Assets per employee ($millions) | 3.3689% | 4,686 |
| Cash dividends to net income (ytd only)* | 41.3650% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 2,392 |
| Loan loss allowance to noncurrent loans | 282.8467% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.3574% | 3,113 |
| Noncurrent loans to loans | 0.4360% | 2,975 |
| Net loans and leases to total assets | 76.7615% | 1,475 |
| Net loans and leases to deposits | 86.6695% | 2,195 |
| Net loans and leases to core deposits | 88.7910% | 2,671 |
| Total domestic deposits to total assets | 88.5681% | 1,042 |
| Equity capital to assets | 9.8450% | 3,819 |
| Core capital (leverage) ratio | 10.1654% | 3,391 |
| Tier 1 risk-based capital ratio | 13.2747% | 3,679 |
| Total risk-based capital ratio | 14.5237% | 3,561 |
| Memoranda: | ||
| Average total assets | $80,661,400 | 4,423 |
| Average earning assets | $75,994,400 | 4,381 |
| Average equity | $7,689,600 | 4,652 |
| Average total loans | $60,973,000 | 4,070 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3782% | 2,697 |
| Cost of funding earning assets | 0.4619% | 3,447 |
| Net interest margin | 3.9164% | 2,236 |
| Noninterest income to average assets | 0.5491% | 2,573 |
| Noninterest expense to average assets | 3.0251% | 1,939 |
| Loan and lease loss provision to assets | 0.0413% | 3,166 |
| Net operating income to assets | 1.1710% | 2,358 |
| Return on assets (ROA) | 1.1710% | 2,370 |
| Pretax return on assets | 1.1710% | 3,120 |
| Return on Equity (ROE) | 12.3849% | 1,646 |
| Retained earnings to average equity (ytd only) | 8.8864% | 1,267 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1553% | 2,012 |
| Assets per employee ($millions) | 3.2779% | 4,795 |
| Cash dividends to net income (ytd only)* | 28.2485% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 2,236 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 4,901 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 76.3696% | 1,607 |
| Net loans and leases to deposits | 86.4759% | 2,324 |
| Net loans and leases to core deposits | 88.4127% | 2,807 |
| Total domestic deposits to total assets | 88.3132% | 1,113 |
| Equity capital to assets | 10.0280% | 3,610 |
| Core capital (leverage) ratio | 9.9092% | 3,730 |
| Tier 1 risk-based capital ratio | 13.5277% | 3,610 |
| Total risk-based capital ratio | 14.7776% | 3,525 |
| Memoranda: | ||
| Average total assets | $80,613,500 | 4,461 |
| Average earning assets | $75,919,000 | 4,427 |
| Average equity | $7,622,000 | 4,709 |
| Average total loans | $60,506,500 | 4,123 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2486% | 2,952 |
| Cost of funding earning assets | 0.4306% | 3,492 |
| Net interest margin | 3.8180% | 2,512 |
| Noninterest income to average assets | 0.5415% | 2,621 |
| Noninterest expense to average assets | 3.0420% | 1,933 |
| Loan and lease loss provision to assets | 0.0246% | 3,425 |
| Net operating income to assets | 1.0755% | 2,685 |
| Return on assets (ROA) | 1.0755% | 2,692 |
| Pretax return on assets | 1.0755% | 3,408 |
| Return on Equity (ROE) | 11.6023% | 1,872 |
| Retained earnings to average equity (ytd only) | 6.2923% | 2,422 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2026% | 1,816 |
| Assets per employee ($millions) | 3.3284% | 4,788 |
| Cash dividends to net income (ytd only)* | 45.7666% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 2,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 75.8516% | 1,657 |
| Net loans and leases to deposits | 85.3563% | 2,394 |
| Net loans and leases to core deposits | 87.3346% | 2,788 |
| Total domestic deposits to total assets | 88.8647% | 988 |
| Equity capital to assets | 9.5442% | 4,059 |
| Core capital (leverage) ratio | 9.3297% | 4,327 |
| Tier 1 risk-based capital ratio | 12.9412% | 3,921 |
| Total risk-based capital ratio | 14.1900% | 3,848 |
| Memoranda: | ||
| Average total assets | $81,261,330 | 4,495 |
| Average earning assets | $76,637,000 | 4,457 |
| Average equity | $7,533,000 | 4,768 |
| Average total loans | $60,390,330 | 4,158 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1198% | 3,167 |
| Cost of funding earning assets | 0.3924% | 3,645 |
| Net interest margin | 3.7274% | 2,698 |
| Noninterest income to average assets | 0.4832% | 2,911 |
| Noninterest expense to average assets | 3.0164% | 2,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9908% | 2,886 |
| Return on assets (ROA) | 0.9908% | 2,914 |
| Pretax return on assets | 0.9908% | 3,570 |
| Return on Equity (ROE) | 10.8447% | 2,032 |
| Retained earnings to average equity (ytd only) | 10.8447% | 931 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0305% | 1,745 |
| Assets per employee ($millions) | 3.3197% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 2,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 5,026 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 70.9502% | 2,337 |
| Net loans and leases to deposits | 79.4610% | 2,870 |
| Net loans and leases to core deposits | 81.2235% | 3,219 |
| Total domestic deposits to total assets | 89.2893% | 967 |
| Equity capital to assets | 9.1394% | 4,426 |
| Core capital (leverage) ratio | 9.2958% | 4,329 |
| Tier 1 risk-based capital ratio | 13.3125% | 3,769 |
| Total risk-based capital ratio | 14.5628% | 3,680 |
| Memoranda: | ||
| Average total assets | $81,951,500 | 4,535 |
| Average earning assets | $77,480,000 | 4,499 |
| Average equity | $7,487,500 | 4,824 |
| Average total loans | $59,910,000 | 4,202 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8916% | 3,754 |
| Cost of funding earning assets | 0.3535% | 3,682 |
| Net interest margin | 3.5380% | 3,386 |
| Noninterest income to average assets | 0.6946% | 1,987 |
| Noninterest expense to average assets | 3.0636% | 1,968 |
| Loan and lease loss provision to assets | 0.0310% | 3,656 |
| Net operating income to assets | 0.9389% | 2,497 |
| Return on assets (ROA) | 0.9389% | 2,539 |
| Pretax return on assets | 0.9389% | 3,784 |
| Return on Equity (ROE) | 10.4267% | 1,707 |
| Retained earnings to average equity (ytd only) | 4.9172% | 2,177 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7073% | 1,666 |
| Assets per employee ($millions) | 3.3713% | 4,857 |
| Cash dividends to net income (ytd only)* | 52.8402% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 2,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 4,986 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 73.4597% | 2,012 |
| Net loans and leases to deposits | 82.2270% | 2,698 |
| Net loans and leases to core deposits | 83.5000% | 3,104 |
| Total domestic deposits to total assets | 89.3377% | 851 |
| Equity capital to assets | 9.1335% | 4,591 |
| Core capital (leverage) ratio | 9.1379% | 4,478 |
| Tier 1 risk-based capital ratio | 12.8832% | 3,982 |
| Total risk-based capital ratio | 14.1335% | 3,876 |
| Memoranda: | ||
| Average total assets | $80,624,600 | 4,578 |
| Average earning assets | $76,087,600 | 4,536 |
| Average equity | $7,260,200 | 4,903 |
| Average total loans | $58,562,800 | 4,236 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7959% | 4,024 |
| Cost of funding earning assets | 0.3473% | 3,697 |
| Net interest margin | 3.4486% | 3,682 |
| Noninterest income to average assets | 0.6637% | 2,146 |
| Noninterest expense to average assets | 2.9231% | 2,328 |
| Loan and lease loss provision to assets | 0.0414% | 3,284 |
| Net operating income to assets | 0.9534% | 2,762 |
| Return on assets (ROA) | 0.9534% | 2,824 |
| Pretax return on assets | 0.9534% | 3,853 |
| Return on Equity (ROE) | 10.6254% | 1,852 |
| Retained earnings to average equity (ytd only) | 6.9360% | 1,725 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3557% | 1,839 |
| Assets per employee ($millions) | 3.5097% | 4,723 |
| Cash dividends to net income (ytd only)* | 34.7223% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 2,382 |
| Loan loss allowance to noncurrent loans | 273.7226% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.4200% | 3,343 |
| Noncurrent loans to loans | 0.4728% | 3,271 |
| Net loans and leases to total assets | 70.8580% | 2,430 |
| Net loans and leases to deposits | 79.4428% | 3,023 |
| Net loans and leases to core deposits | 81.0101% | 3,370 |
| Total domestic deposits to total assets | 89.1938% | 782 |
| Equity capital to assets | 9.2255% | 4,706 |
| Core capital (leverage) ratio | 9.0188% | 4,719 |
| Tier 1 risk-based capital ratio | 13.4914% | 3,709 |
| Total risk-based capital ratio | 14.7412% | 3,622 |
| Memoranda: | ||
| Average total assets | $80,553,000 | 4,622 |
| Average earning assets | $76,010,250 | 4,582 |
| Average equity | $7,227,750 | 4,956 |
| Average total loans | $58,156,750 | 4,286 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6212% | 4,459 |
| Cost of funding earning assets | 0.3447% | 3,634 |
| Net interest margin | 3.2764% | 4,187 |
| Noninterest income to average assets | 0.6808% | 2,081 |
| Noninterest expense to average assets | 2.9343% | 2,312 |
| Loan and lease loss provision to assets | 0.0248% | 3,501 |
| Net operating income to assets | 0.8149% | 3,334 |
| Return on assets (ROA) | 0.8149% | 3,385 |
| Pretax return on assets | 0.8149% | 4,218 |
| Return on Equity (ROE) | 9.1688% | 2,424 |
| Retained earnings to average equity (ytd only) | 3.5781% | 3,575 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4852% | 1,532 |
| Assets per employee ($millions) | 3.3438% | 4,931 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 2,610 |
| Loan loss allowance to noncurrent loans | 107.4561% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.9080% | 1,949 |
| Noncurrent loans to loans | 1.1747% | 1,667 |
| Net loans and leases to total assets | 68.7753% | 2,696 |
| Net loans and leases to deposits | 76.5937% | 3,271 |
| Net loans and leases to core deposits | 78.0336% | 3,599 |
| Total domestic deposits to total assets | 89.7923% | 606 |
| Equity capital to assets | 8.6178% | 5,209 |
| Core capital (leverage) ratio | 8.7896% | 4,961 |
| Tier 1 risk-based capital ratio | 13.0066% | 3,992 |
| Total risk-based capital ratio | 14.2569% | 3,910 |
| Memoranda: | ||
| Average total assets | $80,496,670 | 4,652 |
| Average earning assets | $75,997,330 | 4,613 |
| Average equity | $7,154,670 | 4,993 |
| Average total loans | $58,226,330 | 4,306 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6521% | 4,275 |
| Cost of funding earning assets | 0.3491% | 3,541 |
| Net interest margin | 3.3030% | 3,999 |
| Noninterest income to average assets | 0.6840% | 2,025 |
| Noninterest expense to average assets | 2.9792% | 2,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8208% | 3,120 |
| Return on assets (ROA) | 0.8208% | 3,177 |
| Pretax return on assets | 0.8208% | 4,032 |
| Return on Equity (ROE) | 9.0884% | 2,371 |
| Retained earnings to average equity (ytd only) | 9.0884% | 1,049 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1333% | 1,611 |
| Assets per employee ($millions) | 3.3595% | 4,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,772 |
| Loan loss allowance to noncurrent loans | 152.3109% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.6214% | 2,767 |
| Noncurrent loans to loans | 0.8256% | 2,391 |
| Net loans and leases to total assets | 70.6119% | 2,278 |
| Net loans and leases to deposits | 78.9016% | 2,878 |
| Net loans and leases to core deposits | 80.8730% | 3,215 |
| Total domestic deposits to total assets | 89.4937% | 897 |
| Equity capital to assets | 8.9572% | 4,851 |
| Core capital (leverage) ratio | 9.1913% | 4,489 |
| Tier 1 risk-based capital ratio | 13.4414% | 3,810 |
| Total risk-based capital ratio | 14.6922% | 3,727 |
| Memoranda: | ||
| Average total assets | $78,948,000 | 4,735 |
| Average earning assets | $74,477,000 | 4,692 |
| Average equity | $7,130,000 | 5,038 |
| Average total loans | $58,226,000 | 4,340 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7908% | 3,940 |
| Cost of funding earning assets | 0.3759% | 3,250 |
| Net interest margin | 3.4149% | 3,769 |
| Noninterest income to average assets | 0.8971% | 1,422 |
| Noninterest expense to average assets | 3.0740% | 2,111 |
| Loan and lease loss provision to assets | 0.0404% | 3,573 |
| Net operating income to assets | 0.9648% | 2,514 |
| Return on assets (ROA) | 0.9648% | 2,618 |
| Pretax return on assets | 0.9648% | 3,599 |
| Return on Equity (ROE) | 10.6613% | 1,703 |
| Retained earnings to average equity (ytd only) | 4.9062% | 2,402 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1037% | 2,125 |
| Assets per employee ($millions) | 3.2195% | 5,132 |
| Cash dividends to net income (ytd only)* | 53.9811% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 2,920 |
| Loan loss allowance to noncurrent loans | 1,450.0000% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 4,935 |
| Noncurrent loans to loans | 0.0850% | 4,902 |
| Net loans and leases to total assets | 75.1527% | 1,668 |
| Net loans and leases to deposits | 84.1421% | 2,396 |
| Net loans and leases to core deposits | 86.8464% | 2,779 |
| Total domestic deposits to total assets | 89.3164% | 942 |
| Equity capital to assets | 9.1086% | 4,696 |
| Core capital (leverage) ratio | 9.0174% | 4,721 |
| Tier 1 risk-based capital ratio | 12.9403% | 4,110 |
| Total risk-based capital ratio | 14.1905% | 4,011 |
| Memoranda: | ||
| Average total assets | $76,805,400 | 4,797 |
| Average earning assets | $71,568,800 | 4,766 |
| Average equity | $6,950,400 | 5,100 |
| Average total loans | $57,357,600 | 4,363 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7881% | 3,957 |
| Cost of funding earning assets | 0.3779% | 3,249 |
| Net interest margin | 3.4102% | 3,804 |
| Noninterest income to average assets | 0.8328% | 1,636 |
| Noninterest expense to average assets | 2.9625% | 2,425 |
| Loan and lease loss provision to assets | 0.0539% | 3,184 |
| Net operating income to assets | 0.9858% | 2,495 |
| Return on assets (ROA) | 0.9858% | 2,633 |
| Pretax return on assets | 0.9858% | 3,681 |
| Return on Equity (ROE) | 10.9112% | 1,705 |
| Retained earnings to average equity (ytd only) | 7.0624% | 1,594 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7619% | 2,331 |
| Assets per employee ($millions) | 3.1083% | 5,281 |
| Cash dividends to net income (ytd only)* | 35.2734% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 2,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 5,364 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 72.7901% | 2,048 |
| Net loans and leases to deposits | 81.7066% | 2,767 |
| Net loans and leases to core deposits | 84.7640% | 3,058 |
| Total domestic deposits to total assets | 89.0872% | 859 |
| Equity capital to assets | 9.1678% | 5,007 |
| Core capital (leverage) ratio | 9.0075% | 4,822 |
| Tier 1 risk-based capital ratio | 13.2942% | 3,981 |
| Total risk-based capital ratio | 14.5443% | 3,891 |
| Memoranda: | ||
| Average total assets | $76,689,750 | 4,831 |
| Average earning assets | $71,273,750 | 4,808 |
| Average equity | $6,928,500 | 5,156 |
| Average total loans | $56,998,500 | 4,414 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8153% | 3,901 |
| Cost of funding earning assets | 0.3762% | 3,290 |
| Net interest margin | 3.4392% | 3,731 |
| Noninterest income to average assets | 0.7597% | 1,892 |
| Noninterest expense to average assets | 2.9600% | 2,485 |
| Loan and lease loss provision to assets | 0.0498% | 3,158 |
| Net operating income to assets | 0.9352% | 2,704 |
| Return on assets (ROA) | 0.9352% | 2,836 |
| Pretax return on assets | 0.9352% | 3,818 |
| Return on Equity (ROE) | 10.4031% | 1,885 |
| Retained earnings to average equity (ytd only) | 4.5750% | 3,000 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7676% | 2,250 |
| Assets per employee ($millions) | 3.3760% | 4,963 |
| Cash dividends to net income (ytd only)* | 56.0224% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 3,029 |
| Loan loss allowance to noncurrent loans | 3,565.0000% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 5,376 |
| Noncurrent loans to loans | 0.0353% | 5,329 |
| Net loans and leases to total assets | 72.0804% | 2,153 |
| Net loans and leases to deposits | 80.5437% | 2,869 |
| Net loans and leases to core deposits | 83.4972% | 3,130 |
| Total domestic deposits to total assets | 89.4923% | 689 |
| Equity capital to assets | 8.9300% | 5,290 |
| Core capital (leverage) ratio | 8.7855% | 5,074 |
| Tier 1 risk-based capital ratio | 13.1116% | 4,130 |
| Total risk-based capital ratio | 14.3613% | 4,053 |
| Memoranda: | ||
| Average total assets | $76,350,670 | 4,886 |
| Average earning assets | $70,714,670 | 4,864 |
| Average equity | $6,863,330 | 5,223 |
| Average total loans | $56,902,000 | 4,439 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8651% | 3,711 |
| Cost of funding earning assets | 0.3792% | 3,306 |
| Net interest margin | 3.4860% | 3,527 |
| Noninterest income to average assets | 0.7186% | 1,945 |
| Noninterest expense to average assets | 3.0012% | 2,387 |
| Loan and lease loss provision to assets | 0.0317% | 3,243 |
| Net operating income to assets | 0.9405% | 2,559 |
| Return on assets (ROA) | 0.9405% | 2,670 |
| Pretax return on assets | 0.9405% | 3,691 |
| Return on Equity (ROE) | 10.4277% | 1,804 |
| Retained earnings to average equity (ytd only) | 10.4277% | 756 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2660% | 2,282 |
| Assets per employee ($millions) | 3.2155% | 5,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 3,296 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 5,554 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 72.7003% | 1,919 |
| Net loans and leases to deposits | 81.2951% | 2,634 |
| Net loans and leases to core deposits | 84.6165% | 2,880 |
| Total domestic deposits to total assets | 89.4276% | 873 |
| Equity capital to assets | 8.9798% | 5,189 |
| Core capital (leverage) ratio | 8.9974% | 4,857 |
| Tier 1 risk-based capital ratio | 13.0970% | 4,201 |
| Total risk-based capital ratio | 14.3473% | 4,122 |
| Memoranda: | ||
| Average total assets | $75,702,000 | 4,943 |
| Average earning assets | $70,683,000 | 4,906 |
| Average equity | $6,828,000 | 5,267 |
| Average total loans | $57,012,000 | 4,472 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7457% | 4,211 |
| Cost of funding earning assets | 0.3557% | 3,642 |
| Net interest margin | 3.3899% | 3,952 |
| Noninterest income to average assets | 0.7352% | 2,042 |
| Noninterest expense to average assets | 3.0945% | 2,255 |
| Loan and lease loss provision to assets | 0.0249% | 3,888 |
| Net operating income to assets | 0.7823% | 3,410 |
| Return on assets (ROA) | 0.7823% | 3,487 |
| Pretax return on assets | 0.7823% | 4,253 |
| Return on Equity (ROE) | 8.4475% | 2,737 |
| Retained earnings to average equity (ytd only) | 2.4670% | 4,314 |
| Net charge-offs to loans | -0.0019% | 4,872 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3116% | 1,775 |
| Assets per employee ($millions) | 3.0930% | 5,426 |
| Cash dividends to net income (ytd only)* | 70.7965% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 3,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 5,587 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 76.1474% | 1,393 |
| Net loans and leases to deposits | 85.2513% | 2,211 |
| Net loans and leases to core deposits | 89.0775% | 2,493 |
| Total domestic deposits to total assets | 89.3212% | 952 |
| Equity capital to assets | 9.0609% | 5,067 |
| Core capital (leverage) ratio | 8.8165% | 5,096 |
| Tier 1 risk-based capital ratio | 12.7737% | 4,467 |
| Total risk-based capital ratio | 14.0251% | 4,366 |
| Memoranda: | ||
| Average total assets | $72,225,600 | 5,039 |
| Average earning assets | $67,464,800 | 4,997 |
| Average equity | $6,688,400 | 5,304 |
| Average total loans | $53,296,600 | 4,572 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7248% | 4,344 |
| Cost of funding earning assets | 0.3482% | 3,774 |
| Net interest margin | 3.3766% | 4,046 |
| Noninterest income to average assets | 0.6599% | 2,427 |
| Noninterest expense to average assets | 2.9315% | 2,737 |
| Loan and lease loss provision to assets | 0.0242% | 3,792 |
| Net operating income to assets | 0.8588% | 3,130 |
| Return on assets (ROA) | 0.8588% | 3,218 |
| Pretax return on assets | 0.8588% | 4,138 |
| Return on Equity (ROE) | 9.2226% | 2,452 |
| Retained earnings to average equity (ytd only) | 5.2301% | 2,760 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8519% | 2,112 |
| Assets per employee ($millions) | 3.4597% | 4,874 |
| Cash dividends to net income (ytd only)* | 43.2904% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 3,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 5,690 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 69.1117% | 2,520 |
| Net loans and leases to deposits | 77.3062% | 3,167 |
| Net loans and leases to core deposits | 81.6145% | 3,298 |
| Total domestic deposits to total assets | 89.4000% | 817 |
| Equity capital to assets | 8.9682% | 5,333 |
| Core capital (leverage) ratio | 9.0655% | 4,921 |
| Tier 1 risk-based capital ratio | 14.0817% | 3,808 |
| Total risk-based capital ratio | 15.3332% | 3,747 |
| Memoranda: | ||
| Average total assets | $71,724,250 | 5,111 |
| Average earning assets | $67,008,250 | 5,076 |
| Average equity | $6,679,000 | 5,374 |
| Average total loans | $52,316,000 | 4,652 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7773% | 4,140 |
| Cost of funding earning assets | 0.3512% | 3,793 |
| Net interest margin | 3.4262% | 3,806 |
| Noninterest income to average assets | 0.6262% | 2,597 |
| Noninterest expense to average assets | 3.0002% | 2,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8198% | 3,284 |
| Return on assets (ROA) | 0.8198% | 3,386 |
| Pretax return on assets | 0.8198% | 4,255 |
| Return on Equity (ROE) | 8.6878% | 2,707 |
| Retained earnings to average equity (ytd only) | 2.6546% | 4,367 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5395% | 1,984 |
| Assets per employee ($millions) | 3.1980% | 5,348 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 3,313 |
| Loan loss allowance to noncurrent loans | 888.1579% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 5,312 |
| Noncurrent loans to loans | 0.1450% | 5,169 |
| Net loans and leases to total assets | 73.5474% | 1,736 |
| Net loans and leases to deposits | 82.8808% | 2,451 |
| Net loans and leases to core deposits | 86.1068% | 2,754 |
| Total domestic deposits to total assets | 88.7387% | 1,273 |
| Equity capital to assets | 9.4207% | 4,753 |
| Core capital (leverage) ratio | 9.3079% | 4,539 |
| Tier 1 risk-based capital ratio | 13.7772% | 4,049 |
| Total risk-based capital ratio | 15.0283% | 3,985 |
| Memoranda: | ||
| Average total assets | $70,261,330 | 5,206 |
| Average earning assets | $65,496,000 | 5,162 |
| Average equity | $6,630,000 | 5,426 |
| Average total loans | $51,991,000 | 4,701 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7849% | 4,072 |
| Cost of funding earning assets | 0.3541% | 3,812 |
| Net interest margin | 3.4308% | 3,711 |
| Noninterest income to average assets | 0.7064% | 2,141 |
| Noninterest expense to average assets | 3.0592% | 2,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8488% | 3,017 |
| Return on assets (ROA) | 0.8488% | 3,135 |
| Pretax return on assets | 0.8488% | 4,066 |
| Return on Equity (ROE) | 8.9881% | 2,454 |
| Retained earnings to average equity (ytd only) | 8.9881% | 1,198 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2799% | 2,147 |
| Assets per employee ($millions) | 3.3698% | 5,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 3,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 5,826 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 71.1086% | 1,965 |
| Net loans and leases to deposits | 80.0840% | 2,549 |
| Net loans and leases to core deposits | 83.1749% | 2,851 |
| Total domestic deposits to total assets | 88.7925% | 1,396 |
| Equity capital to assets | 9.5047% | 4,748 |
| Core capital (leverage) ratio | 9.4325% | 4,374 |
| Tier 1 risk-based capital ratio | 12.9574% | 4,626 |
| Total risk-based capital ratio | 14.2070% | 4,541 |
| Memoranda: | ||
| Average total assets | $70,214,000 | 5,253 |
| Average earning assets | $65,524,000 | 5,217 |
| Average equity | $6,631,000 | 5,475 |
| Average total loans | $51,776,500 | 4,744 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7815% | 4,548 |
| Cost of funding earning assets | 0.3814% | 3,892 |
| Net interest margin | 3.4001% | 4,202 |
| Noninterest income to average assets | 0.6604% | 2,502 |
| Noninterest expense to average assets | 2.9613% | 2,963 |
| Loan and lease loss provision to assets | 0.0157% | 4,293 |
| Net operating income to assets | 0.8502% | 3,116 |
| Return on assets (ROA) | 0.8516% | 3,205 |
| Pretax return on assets | 0.8516% | 4,069 |
| Return on Equity (ROE) | 9.2834% | 2,451 |
| Retained earnings to average equity (ytd only) | 3.0634% | 4,064 |
| Net charge-offs to loans | -0.0274% | 5,769 |
| Credit loss provision to net charge-offs | -78.5714% | 5,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3761% | 2,295 |
| Assets per employee ($millions) | 3.1665% | 5,479 |
| Cash dividends to net income (ytd only)* | 67.0017% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 3,515 |
| Loan loss allowance to noncurrent loans | 1,377.5510% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 5,633 |
| Noncurrent loans to loans | 0.0932% | 5,519 |
| Net loans and leases to total assets | 74.4771% | 1,500 |
| Net loans and leases to deposits | 83.8622% | 2,231 |
| Net loans and leases to core deposits | 87.1441% | 2,599 |
| Total domestic deposits to total assets | 88.8090% | 1,347 |
| Equity capital to assets | 9.3823% | 4,869 |
| Core capital (leverage) ratio | 9.2546% | 4,595 |
| Tier 1 risk-based capital ratio | 12.7795% | 4,869 |
| Total risk-based capital ratio | 14.0298% | 4,781 |
| Memoranda: | ||
| Average total assets | $70,105,200 | 5,284 |
| Average earning assets | $65,292,200 | 5,246 |
| Average equity | $6,430,800 | 5,546 |
| Average total loans | $51,067,000 | 4,783 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7579% | 4,689 |
| Cost of funding earning assets | 0.3797% | 4,025 |
| Net interest margin | 3.3782% | 4,323 |
| Noninterest income to average assets | 0.5583% | 3,145 |
| Noninterest expense to average assets | 2.8369% | 3,326 |
| Loan and lease loss provision to assets | 0.0114% | 4,193 |
| Net operating income to assets | 0.8526% | 3,164 |
| Return on assets (ROA) | 0.8545% | 3,247 |
| Pretax return on assets | 0.8545% | 4,166 |
| Return on Equity (ROE) | 9.3683% | 2,513 |
| Retained earnings to average equity (ytd only) | 5.2046% | 2,949 |
| Net charge-offs to loans | -0.0368% | 5,807 |
| Credit loss provision to net charge-offs | -42.8571% | 5,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6547% | 2,392 |
| Assets per employee ($millions) | 3.2618% | 5,306 |
| Cash dividends to net income (ytd only)* | 44.4441% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 3,595 |
| Loan loss allowance to noncurrent loans | 1,367.3469% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 5,776 |
| Noncurrent loans to loans | 0.0958% | 5,656 |
| Net loans and leases to total assets | 70.3438% | 2,139 |
| Net loans and leases to deposits | 78.8941% | 2,848 |
| Net loans and leases to core deposits | 82.6763% | 3,038 |
| Total domestic deposits to total assets | 89.1623% | 1,145 |
| Equity capital to assets | 9.1738% | 5,176 |
| Core capital (leverage) ratio | 9.0904% | 4,944 |
| Tier 1 risk-based capital ratio | 13.9508% | 4,251 |
| Total risk-based capital ratio | 15.2026% | 4,192 |
| Memoranda: | ||
| Average total assets | $70,215,750 | 5,336 |
| Average earning assets | $65,318,500 | 5,299 |
| Average equity | $6,404,500 | 5,605 |
| Average total loans | $50,694,250 | 4,842 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7986% | 4,530 |
| Cost of funding earning assets | 0.3718% | 4,187 |
| Net interest margin | 3.4268% | 4,075 |
| Noninterest income to average assets | 0.5624% | 3,033 |
| Noninterest expense to average assets | 2.8608% | 3,306 |
| Loan and lease loss provision to assets | 0.0172% | 3,918 |
| Net operating income to assets | 0.8579% | 3,024 |
| Return on assets (ROA) | 0.8608% | 3,108 |
| Pretax return on assets | 0.8608% | 4,039 |
| Return on Equity (ROE) | 9.4563% | 2,390 |
| Retained earnings to average equity (ytd only) | 3.1521% | 4,196 |
| Net charge-offs to loans | -0.0554% | 5,924 |
| Credit loss provision to net charge-offs | -42.8571% | 5,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5745% | 2,528 |
| Assets per employee ($millions) | 3.4198% | 5,015 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 3,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 6,129 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 68.9053% | 2,255 |
| Net loans and leases to deposits | 77.0854% | 2,917 |
| Net loans and leases to core deposits | 81.5373% | 3,027 |
| Total domestic deposits to total assets | 89.3882% | 1,164 |
| Equity capital to assets | 8.9451% | 5,362 |
| Core capital (leverage) ratio | 8.8983% | 5,160 |
| Tier 1 risk-based capital ratio | 13.7097% | 4,442 |
| Total risk-based capital ratio | 14.9620% | 4,389 |
| Memoranda: | ||
| Average total assets | $69,701,330 | 5,400 |
| Average earning assets | $64,550,330 | 5,368 |
| Average equity | $6,345,000 | 5,650 |
| Average total loans | $50,543,000 | 4,878 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8253% | 4,383 |
| Cost of funding earning assets | 0.3506% | 4,536 |
| Net interest margin | 3.4747% | 3,805 |
| Noninterest income to average assets | 0.4837% | 3,538 |
| Noninterest expense to average assets | 2.9369% | 3,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7808% | 3,246 |
| Return on assets (ROA) | 0.7808% | 3,329 |
| Pretax return on assets | 0.7808% | 4,177 |
| Return on Equity (ROE) | 8.5005% | 2,684 |
| Retained earnings to average equity (ytd only) | 8.5005% | 1,417 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9969% | 2,339 |
| Assets per employee ($millions) | 3.4069% | 5,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 4,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 6,213 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 69.2948% | 2,016 |
| Net loans and leases to deposits | 77.5052% | 2,628 |
| Net loans and leases to core deposits | 81.2112% | 2,828 |
| Total domestic deposits to total assets | 89.4067% | 1,419 |
| Equity capital to assets | 8.9370% | 5,177 |
| Core capital (leverage) ratio | 9.4189% | 4,394 |
| Tier 1 risk-based capital ratio | 13.7000% | 4,540 |
| Total risk-based capital ratio | 14.9514% | 4,494 |
| Memoranda: | ||
| Average total assets | $68,644,000 | 5,484 |
| Average earning assets | $63,890,000 | 5,447 |
| Average equity | $6,305,500 | 5,689 |
| Average total loans | $50,737,000 | 4,902 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7750% | 4,895 |
| Cost of funding earning assets | 0.3702% | 4,954 |
| Net interest margin | 3.4049% | 4,256 |
| Noninterest income to average assets | 0.6238% | 2,954 |
| Noninterest expense to average assets | 3.0936% | 2,755 |
| Loan and lease loss provision to assets | 0.0371% | 4,376 |
| Net operating income to assets | 0.6624% | 3,970 |
| Return on assets (ROA) | 0.6683% | 4,044 |
| Pretax return on assets | 0.6683% | 4,643 |
| Return on Equity (ROE) | 7.2637% | 3,426 |
| Retained earnings to average equity (ytd only) | 2.8248% | 4,233 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5583% | 1,935 |
| Assets per employee ($millions) | 3.1306% | 5,615 |
| Cash dividends to net income (ytd only)* | 61.1111% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 4,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 6,292 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 76.9618% | 959 |
| Net loans and leases to deposits | 86.7546% | 1,601 |
| Net loans and leases to core deposits | 91.8676% | 1,807 |
| Total domestic deposits to total assets | 88.7121% | 1,796 |
| Equity capital to assets | 9.4565% | 4,490 |
| Core capital (leverage) ratio | 9.7063% | 3,974 |
| Tier 1 risk-based capital ratio | 12.9815% | 4,983 |
| Total risk-based capital ratio | 14.2335% | 4,935 |
| Memoranda: | ||
| Average total assets | $67,332,400 | 5,557 |
| Average earning assets | $62,675,000 | 5,517 |
| Average equity | $6,195,200 | 5,765 |
| Average total loans | $47,575,400 | 5,047 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7023% | 5,163 |
| Cost of funding earning assets | 0.3696% | 5,102 |
| Net interest margin | 3.3327% | 4,521 |
| Noninterest income to average assets | 0.4725% | 3,987 |
| Noninterest expense to average assets | 2.9273% | 3,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6516% | 4,110 |
| Return on assets (ROA) | 0.6575% | 4,213 |
| Pretax return on assets | 0.6575% | 4,830 |
| Return on Equity (ROE) | 7.1945% | 3,541 |
| Retained earnings to average equity (ytd only) | 1.2708% | 5,475 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7932% | 1,849 |
| Assets per employee ($millions) | 3.1615% | 5,568 |
| Cash dividends to net income (ytd only)* | 82.3363% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 4,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 6,391 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 73.0389% | 1,447 |
| Net loans and leases to deposits | 82.3979% | 2,090 |
| Net loans and leases to core deposits | 86.6439% | 2,330 |
| Total domestic deposits to total assets | 88.6417% | 1,756 |
| Equity capital to assets | 9.2135% | 4,916 |
| Core capital (leverage) ratio | 9.1201% | 4,940 |
| Tier 1 risk-based capital ratio | 13.1818% | 4,993 |
| Total risk-based capital ratio | 14.4319% | 4,939 |
| Memoranda: | ||
| Average total assets | $67,729,750 | 5,602 |
| Average earning assets | $63,130,500 | 5,558 |
| Average equity | $6,189,750 | 5,839 |
| Average total loans | $46,657,500 | 5,127 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6076% | 5,412 |
| Cost of funding earning assets | 0.3743% | 5,187 |
| Net interest margin | 3.2333% | 4,826 |
| Noninterest income to average assets | 0.4723% | 4,012 |
| Noninterest expense to average assets | 2.9131% | 3,287 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5750% | 4,421 |
| Return on assets (ROA) | 0.5838% | 4,560 |
| Pretax return on assets | 0.5838% | 5,082 |
| Return on Equity (ROE) | 6.4049% | 3,932 |
| Retained earnings to average equity (ytd only) | 3.9910% | 3,754 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5156% | 1,694 |
| Assets per employee ($millions) | 3.1355% | 5,608 |
| Cash dividends to net income (ytd only)* | 37.6884% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 4,500 |
| Loan loss allowance to noncurrent loans | 62,500.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 6,438 |
| Noncurrent loans to loans | 0.0021% | 6,456 |
| Net loans and leases to total assets | 68.6793% | 2,111 |
| Net loans and leases to deposits | 76.8177% | 2,753 |
| Net loans and leases to core deposits | 80.5793% | 2,970 |
| Total domestic deposits to total assets | 89.4056% | 1,376 |
| Equity capital to assets | 8.8895% | 5,338 |
| Core capital (leverage) ratio | 8.9960% | 4,997 |
| Tier 1 risk-based capital ratio | 13.6690% | 4,660 |
| Total risk-based capital ratio | 14.9214% | 4,620 |
| Memoranda: | ||
| Average total assets | $68,175,670 | 5,632 |
| Average earning assets | $63,587,330 | 5,580 |
| Average equity | $6,214,000 | 5,875 |
| Average total loans | $45,837,670 | 5,194 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5793% | 5,503 |
| Cost of funding earning assets | 0.3858% | 5,232 |
| Net interest margin | 3.1936% | 4,953 |
| Noninterest income to average assets | 0.5194% | 3,637 |
| Noninterest expense to average assets | 2.9746% | 3,071 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5253% | 4,546 |
| Return on assets (ROA) | 0.5430% | 4,639 |
| Pretax return on assets | 0.5430% | 5,138 |
| Return on Equity (ROE) | 5.8833% | 4,112 |
| Retained earnings to average equity (ytd only) | 5.8833% | 2,745 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9916% | 1,640 |
| Assets per employee ($millions) | 3.3146% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 4,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 6,520 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 62.7854% | 2,921 |
| Net loans and leases to deposits | 70.3050% | 3,428 |
| Net loans and leases to core deposits | 73.1872% | 3,683 |
| Total domestic deposits to total assets | 89.3042% | 1,487 |
| Equity capital to assets | 9.0451% | 5,431 |
| Core capital (leverage) ratio | 9.1304% | 4,669 |
| Tier 1 risk-based capital ratio | 14.5196% | 4,158 |
| Total risk-based capital ratio | 15.7730% | 4,123 |
| Memoranda: | ||
| Average total assets | $67,773,500 | 5,695 |
| Average earning assets | $63,252,000 | 5,638 |
| Average equity | $6,255,000 | 5,921 |
| Average total loans | $44,756,500 | 5,269 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7863% | 5,861 |
| Cost of funding earning assets | 0.4633% | 5,467 |
| Net interest margin | 3.3230% | 5,171 |
| Noninterest income to average assets | 0.7211% | 2,620 |
| Noninterest expense to average assets | 2.8658% | 3,784 |
| Loan and lease loss provision to assets | 0.0389% | 5,384 |
| Net operating income to assets | 0.9154% | 2,742 |
| Return on assets (ROA) | 0.9294% | 2,900 |
| Pretax return on assets | 0.9294% | 3,813 |
| Return on Equity (ROE) | 9.5929% | 2,362 |
| Retained earnings to average equity (ytd only) | 1.1710% | 5,284 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9797% | 2,912 |
| Assets per employee ($millions) | 3.1400% | 5,765 |
| Cash dividends to net income (ytd only)* | 87.7926% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3832% | 4,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 6,582 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 67.5766% | 2,264 |
| Net loans and leases to deposits | 76.1228% | 2,788 |
| Net loans and leases to core deposits | 79.8695% | 3,027 |
| Total domestic deposits to total assets | 88.7731% | 1,717 |
| Equity capital to assets | 9.4237% | 4,968 |
| Core capital (leverage) ratio | 9.2024% | 4,578 |
| Tier 1 risk-based capital ratio | 13.8562% | 4,488 |
| Total risk-based capital ratio | 15.1084% | 4,441 |
| Memoranda: | ||
| Average total assets | $64,344,800 | 5,802 |
| Average earning assets | $60,005,800 | 5,744 |
| Average equity | $6,233,800 | 5,959 |
| Average total loans | $41,785,800 | 5,429 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7890% | 6,049 |
| Cost of funding earning assets | 0.4736% | 5,606 |
| Net interest margin | 3.3154% | 5,336 |
| Noninterest income to average assets | 0.6234% | 3,140 |
| Noninterest expense to average assets | 2.7231% | 4,280 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9946% | 2,540 |
| Return on assets (ROA) | 1.0133% | 2,668 |
| Pretax return on assets | 1.0133% | 3,658 |
| Return on Equity (ROE) | 10.3864% | 2,177 |
| Retained earnings to average equity (ytd only) | 6.1121% | 2,625 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1913% | 3,120 |
| Assets per employee ($millions) | 3.6616% | 4,626 |
| Cash dividends to net income (ytd only)* | 41.1525% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 4,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 6,675 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 62.6364% | 3,270 |
| Net loans and leases to deposits | 70.7980% | 3,787 |
| Net loans and leases to core deposits | 74.2928% | 3,941 |
| Total domestic deposits to total assets | 88.4720% | 1,738 |
| Equity capital to assets | 9.7498% | 4,852 |
| Core capital (leverage) ratio | 9.6375% | 4,062 |
| Tier 1 risk-based capital ratio | 15.2922% | 3,651 |
| Total risk-based capital ratio | 16.5441% | 3,605 |
| Memoranda: | ||
| Average total assets | $63,946,000 | 5,883 |
| Average earning assets | $59,680,250 | 5,818 |
| Average equity | $6,238,750 | 6,022 |
| Average total loans | $40,936,000 | 5,524 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7596% | 6,230 |
| Cost of funding earning assets | 0.4784% | 5,773 |
| Net interest margin | 3.2812% | 5,495 |
| Noninterest income to average assets | 0.5720% | 3,431 |
| Noninterest expense to average assets | 2.7650% | 4,155 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8848% | 2,978 |
| Return on assets (ROA) | 0.9132% | 3,108 |
| Pretax return on assets | 0.9132% | 4,027 |
| Return on Equity (ROE) | 9.3583% | 2,644 |
| Retained earnings to average equity (ytd only) | 2.8820% | 4,711 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6710% | 2,795 |
| Assets per employee ($millions) | 3.8857% | 4,107 |
| Cash dividends to net income (ytd only)* | 69.2042% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 4,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 6,716 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 61.4802% | 3,536 |
| Net loans and leases to deposits | 69.1951% | 4,010 |
| Net loans and leases to core deposits | 72.5810% | 4,230 |
| Total domestic deposits to total assets | 88.8505% | 1,606 |
| Equity capital to assets | 9.3873% | 5,207 |
| Core capital (leverage) ratio | 9.3371% | 4,398 |
| Tier 1 risk-based capital ratio | 14.9849% | 3,776 |
| Total risk-based capital ratio | 16.2383% | 3,725 |
| Memoranda: | ||
| Average total assets | $63,291,670 | 5,935 |
| Average earning assets | $59,368,670 | 5,863 |
| Average equity | $6,176,330 | 6,069 |
| Average total loans | $40,620,330 | 5,572 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8042% | 6,231 |
| Cost of funding earning assets | 0.4986% | 5,831 |
| Net interest margin | 3.3056% | 5,451 |
| Noninterest income to average assets | 0.6138% | 3,144 |
| Noninterest expense to average assets | 2.8623% | 3,777 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8787% | 3,023 |
| Return on assets (ROA) | 0.8787% | 3,244 |
| Pretax return on assets | 0.8787% | 4,115 |
| Return on Equity (ROE) | 8.8254% | 2,897 |
| Retained earnings to average equity (ytd only) | 8.8254% | 1,653 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3385% | 2,736 |
| Assets per employee ($millions) | 3.8076% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 3,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 6,775 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 58.8970% | 3,882 |
| Net loans and leases to deposits | 66.4725% | 4,305 |
| Net loans and leases to core deposits | 70.1583% | 4,393 |
| Total domestic deposits to total assets | 88.6034% | 1,953 |
| Equity capital to assets | 9.6230% | 4,620 |
| Core capital (leverage) ratio | 9.9113% | 3,482 |
| Tier 1 risk-based capital ratio | 16.1348% | 3,103 |
| Total risk-based capital ratio | 17.3889% | 3,069 |
| Memoranda: | ||
| Average total assets | $61,909,000 | 6,011 |
| Average earning assets | $58,567,500 | 5,921 |
| Average equity | $6,164,000 | 6,105 |
| Average total loans | $40,324,500 | 5,627 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2659% | 5,866 |
| Cost of funding earning assets | 0.6806% | 5,657 |
| Net interest margin | 3.5854% | 4,788 |
| Noninterest income to average assets | 0.5514% | 3,494 |
| Noninterest expense to average assets | 2.8785% | 4,047 |
| Loan and lease loss provision to assets | 0.0249% | 6,260 |
| Net operating income to assets | 1.0082% | 2,170 |
| Return on assets (ROA) | 0.2342% | 5,622 |
| Pretax return on assets | 0.2342% | 5,707 |
| Return on Equity (ROE) | 2.3550% | 5,526 |
| Retained earnings to average equity (ytd only) | -3.9918% | 6,368 |
| Net charge-offs to loans | 0.0049% | 6,370 |
| Credit loss provision to net charge-offs | 750.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 311.0000% | 117 |
| Efficiency ratio | 73.5881% | 3,291 |
| Assets per employee ($millions) | 3.1099% | 5,878 |
| Cash dividends to net income (ytd only)* | 269.5035% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 4,329 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 6,804 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 69.9381% | 2,045 |
| Net loans and leases to deposits | 79.7349% | 2,571 |
| Net loans and leases to core deposits | 84.3023% | 2,852 |
| Total domestic deposits to total assets | 87.7132% | 2,328 |
| Equity capital to assets | 10.3219% | 3,753 |
| Core capital (leverage) ratio | 10.1783% | 3,124 |
| Tier 1 risk-based capital ratio | 14.6168% | 3,889 |
| Total risk-based capital ratio | 15.8693% | 3,867 |
| Memoranda: | ||
| Average total assets | $60,206,000 | 6,031 |
| Average earning assets | $56,423,600 | 5,964 |
| Average equity | $5,987,200 | 6,163 |
| Average total loans | $41,044,400 | 5,642 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2807% | 6,006 |
| Cost of funding earning assets | 0.7190% | 5,656 |
| Net interest margin | 3.5617% | 4,933 |
| Noninterest income to average assets | 0.4541% | 4,266 |
| Noninterest expense to average assets | 2.7224% | 4,645 |
| Loan and lease loss provision to assets | 0.0044% | 6,364 |
| Net operating income to assets | 1.0581% | 2,110 |
| Return on assets (ROA) | 0.0287% | 6,213 |
| Pretax return on assets | 0.0287% | 6,197 |
| Return on Equity (ROE) | 0.2908% | 6,200 |
| Retained earnings to average equity (ytd only) | -4.1839% | 6,529 |
| Net charge-offs to loans | 0.0065% | 6,078 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 240.6929% | 168 |
| Efficiency ratio | 71.9278% | 3,565 |
| Assets per employee ($millions) | 3.1395% | 5,813 |
| Cash dividends to net income (ytd only)* | 1,538.7190% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4694% | 4,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 6,853 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 65.9866% | 2,905 |
| Net loans and leases to deposits | 75.0777% | 3,497 |
| Net loans and leases to core deposits | 79.6781% | 3,689 |
| Total domestic deposits to total assets | 87.8910% | 2,096 |
| Equity capital to assets | 10.4057% | 3,824 |
| Core capital (leverage) ratio | 10.3061% | 3,077 |
| Tier 1 risk-based capital ratio | 15.3301% | 3,473 |
| Total risk-based capital ratio | 16.5824% | 3,444 |
| Memoranda: | ||
| Average total assets | $60,485,500 | 6,068 |
| Average earning assets | $56,562,750 | 6,010 |
| Average equity | $5,959,250 | 6,213 |
| Average total loans | $40,824,250 | 5,706 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2881% | 6,056 |
| Cost of funding earning assets | 0.7584% | 5,632 |
| Net interest margin | 3.5297% | 5,014 |
| Noninterest income to average assets | 0.4213% | 4,503 |
| Noninterest expense to average assets | 2.7615% | 4,585 |
| Loan and lease loss provision to assets | 0.0066% | 6,175 |
| Net operating income to assets | 0.9776% | 2,321 |
| Return on assets (ROA) | -0.7044% | 6,828 |
| Pretax return on assets | -0.7044% | 6,775 |
| Return on Equity (ROE) | -7.2830% | 6,834 |
| Retained earnings to average equity (ytd only) | -14.0896% | 7,005 |
| Net charge-offs to loans | 0.0097% | 5,718 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 149.5000% | 240 |
| Efficiency ratio | 73.7258% | 3,411 |
| Assets per employee ($millions) | 3.1749% | 5,689 |
| Cash dividends to net income (ytd only)* | -93.4579% | 7,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 4,293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 6,899 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 65.6698% | 3,103 |
| Net loans and leases to deposits | 74.3171% | 3,750 |
| Net loans and leases to core deposits | 78.0126% | 4,052 |
| Total domestic deposits to total assets | 88.3643% | 1,934 |
| Equity capital to assets | 9.9232% | 4,249 |
| Core capital (leverage) ratio | 9.7967% | 3,525 |
| Tier 1 risk-based capital ratio | 14.9002% | 3,550 |
| Total risk-based capital ratio | 16.1537% | 3,518 |
| Memoranda: | ||
| Average total assets | $60,764,000 | 6,112 |
| Average earning assets | $57,228,670 | 6,050 |
| Average equity | $5,876,670 | 6,266 |
| Average total loans | $41,116,330 | 5,751 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3064% | 6,000 |
| Cost of funding earning assets | 0.8014% | 5,572 |
| Net interest margin | 3.5050% | 4,990 |
| Noninterest income to average assets | 0.3739% | 4,919 |
| Noninterest expense to average assets | 2.7810% | 4,524 |
| Loan and lease loss provision to assets | 0.0131% | 5,748 |
| Net operating income to assets | 0.8789% | 2,669 |
| Return on assets (ROA) | -2.4728% | 7,334 |
| Pretax return on assets | -2.4728% | 7,320 |
| Return on Equity (ROE) | -25.9018% | 7,289 |
| Retained earnings to average equity (ytd only) | -39.6427% | 7,354 |
| Net charge-offs to loans | 0.0192% | 4,812 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 447 |
| Efficiency ratio | 75.7143% | 3,203 |
| Assets per employee ($millions) | 3.2864% | 5,514 |
| Cash dividends to net income (ytd only)* | -53.0504% | 7,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 4,539 |
| Loan loss allowance to noncurrent loans | 1,222.9167% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 6,974 |
| Noncurrent loans to loans | 0.1166% | 6,755 |
| Net loans and leases to total assets | 64.9691% | 3,243 |
| Net loans and leases to deposits | 72.5647% | 3,978 |
| Net loans and leases to core deposits | 76.4208% | 4,248 |
| Total domestic deposits to total assets | 89.5327% | 1,464 |
| Equity capital to assets | 8.8578% | 5,408 |
| Core capital (leverage) ratio | 8.5453% | 5,358 |
| Tier 1 risk-based capital ratio | 13.6631% | 4,315 |
| Total risk-based capital ratio | 14.9153% | 4,285 |
| Memoranda: | ||
| Average total assets | $60,984,500 | 6,156 |
| Average earning assets | $57,403,000 | 6,085 |
| Average equity | $5,822,000 | 6,304 |
| Average total loans | $41,574,000 | 5,785 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6600% | 5,921 |
| Cost of funding earning assets | 1.0274% | 5,547 |
| Net interest margin | 3.6326% | 4,656 |
| Noninterest income to average assets | 0.6491% | 3,159 |
| Noninterest expense to average assets | 3.0074% | 3,826 |
| Loan and lease loss provision to assets | 0.0140% | 6,961 |
| Net operating income to assets | 0.7410% | 3,039 |
| Return on assets (ROA) | 0.7435% | 3,152 |
| Pretax return on assets | 1.0147% | 2,881 |
| Return on Equity (ROE) | 7.0427% | 3,101 |
| Retained earnings to average equity (ytd only) | 4.3913% | 2,777 |
| Net charge-offs to loans | 0.0074% | 6,767 |
| Credit loss provision to net charge-offs | 266.6667% | 1,043 |
| Earnings coverage of net charge-offs (x) | 195.3333% | 129 |
| Efficiency ratio | 74.5770% | 3,281 |
| Assets per employee ($millions) | 3.1330% | 5,810 |
| Cash dividends to net income (ytd only)* | 37.6471% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 4,516 |
| Loan loss allowance to noncurrent loans | 1,174.0000% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 7,027 |
| Noncurrent loans to loans | 0.1191% | 6,842 |
| Net loans and leases to total assets | 69.5584% | 2,644 |
| Net loans and leases to deposits | 79.0840% | 3,325 |
| Net loans and leases to core deposits | 84.0117% | 3,594 |
| Total domestic deposits to total assets | 87.9550% | 2,272 |
| Equity capital to assets | 10.2693% | 3,422 |
| Core capital (leverage) ratio | 9.9075% | 3,198 |
| Tier 1 risk-based capital ratio | 14.1283% | 3,785 |
| Total risk-based capital ratio | 15.3801% | 3,741 |
| Memoranda: | ||
| Average total assets | $57,159,800 | 6,304 |
| Average earning assets | $53,240,200 | 6,245 |
| Average equity | $6,034,600 | 6,349 |
| Average total loans | $40,297,000 | 5,912 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6989% | 6,022 |
| Cost of funding earning assets | 1.0664% | 5,613 |
| Net interest margin | 3.6325% | 4,716 |
| Noninterest income to average assets | 0.5657% | 3,682 |
| Noninterest expense to average assets | 2.8614% | 4,238 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7627% | 3,168 |
| Return on assets (ROA) | 0.7660% | 3,307 |
| Pretax return on assets | 1.0889% | 2,861 |
| Return on Equity (ROE) | 7.2040% | 3,252 |
| Retained earnings to average equity (ytd only) | 3.6574% | 3,880 |
| Net charge-offs to loans | -0.0167% | 7,332 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5209% | 3,605 |
| Assets per employee ($millions) | 3.0886% | 5,942 |
| Cash dividends to net income (ytd only)* | 49.2315% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 4,075 |
| 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 | 66.8268% | 3,505 |
| Net loans and leases to deposits | 76.4013% | 4,104 |
| Net loans and leases to core deposits | 81.2514% | 4,349 |
| Total domestic deposits to total assets | 87.4683% | 2,282 |
| Equity capital to assets | 10.7203% | 3,267 |
| Core capital (leverage) ratio | 10.3485% | 2,860 |
| Tier 1 risk-based capital ratio | 15.0652% | 3,222 |
| Total risk-based capital ratio | 16.3185% | 3,208 |
| Memoranda: | ||
| Average total assets | $56,568,000 | 6,399 |
| Average earning assets | $52,635,000 | 6,344 |
| Average equity | $6,015,000 | 6,440 |
| Average total loans | $39,873,000 | 6,010 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 6,067 |
| Cost of funding earning assets | 1.0886% | 5,743 |
| Net interest margin | 3.6337% | 4,667 |
| Noninterest income to average assets | 0.5191% | 3,959 |
| Noninterest expense to average assets | 2.8462% | 4,284 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7539% | 3,177 |
| Return on assets (ROA) | 0.7590% | 3,309 |
| Pretax return on assets | 1.0741% | 2,867 |
| Return on Equity (ROE) | 7.1585% | 3,229 |
| Retained earnings to average equity (ytd only) | 1.7559% | 4,991 |
| Net charge-offs to loans | -0.0251% | 7,321 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7356% | 3,704 |
| Assets per employee ($millions) | 2.9745% | 6,188 |
| Cash dividends to net income (ytd only)* | 75.4717% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4670% | 4,084 |
| 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 | 69.7620% | 2,964 |
| Net loans and leases to deposits | 79.8016% | 3,630 |
| Net loans and leases to core deposits | 84.4330% | 4,081 |
| Total domestic deposits to total assets | 87.4193% | 2,312 |
| Equity capital to assets | 10.4839% | 3,432 |
| Core capital (leverage) ratio | 10.0172% | 3,145 |
| Tier 1 risk-based capital ratio | 14.1436% | 3,639 |
| Total risk-based capital ratio | 15.3958% | 3,593 |
| Memoranda: | ||
| Average total assets | $55,863,000 | 6,459 |
| Average earning assets | $52,178,670 | 6,403 |
| Average equity | $5,923,000 | 6,489 |
| Average total loans | $39,896,330 | 6,052 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7540% | 6,057 |
| Cost of funding earning assets | 1.1054% | 5,879 |
| Net interest margin | 3.6486% | 4,497 |
| Noninterest income to average assets | 0.5330% | 3,791 |
| Noninterest expense to average assets | 2.8738% | 4,171 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7532% | 3,196 |
| Return on assets (ROA) | 0.7635% | 3,255 |
| Pretax return on assets | 1.0732% | 2,828 |
| Return on Equity (ROE) | 7.1597% | 3,265 |
| Retained earnings to average equity (ytd only) | 7.1597% | 2,067 |
| Net charge-offs to loans | -0.0402% | 7,286 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0769% | 3,744 |
| Assets per employee ($millions) | 2.9704% | 6,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 3,989 |
| 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 | 68.9246% | 3,170 |
| Net loans and leases to deposits | 78.6681% | 3,909 |
| Net loans and leases to core deposits | 81.9030% | 4,500 |
| Total domestic deposits to total assets | 87.6145% | 2,291 |
| Equity capital to assets | 10.5799% | 3,165 |
| Core capital (leverage) ratio | 10.1182% | 3,024 |
| Tier 1 risk-based capital ratio | 14.3712% | 3,455 |
| Total risk-based capital ratio | 15.6230% | 3,418 |
| Memoranda: | ||
| Average total assets | $55,537,000 | 6,549 |
| Average earning assets | $51,746,000 | 6,488 |
| Average equity | $5,922,000 | 6,547 |
| Average total loans | $39,838,000 | 6,126 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0499% | 6,263 |
| Cost of funding earning assets | 1.3755% | 6,035 |
| Net interest margin | 3.6745% | 4,244 |
| Noninterest income to average assets | 0.5676% | 3,885 |
| Noninterest expense to average assets | 3.0370% | 4,001 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7027% | 2,925 |
| Return on assets (ROA) | 0.7027% | 2,993 |
| Pretax return on assets | 0.9144% | 2,878 |
| Return on Equity (ROE) | 6.5084% | 2,987 |
| Retained earnings to average equity (ytd only) | 1.0988% | 4,273 |
| Net charge-offs to loans | 0.0080% | 7,121 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 167.0000% | 173 |
| Efficiency ratio | 76.8591% | 3,379 |
| Assets per employee ($millions) | 2.8756% | 6,503 |
| Cash dividends to net income (ytd only)* | 83.1169% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 3,988 |
| 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 | 72.4948% | 2,636 |
| Net loans and leases to deposits | 83.2997% | 3,399 |
| Net loans and leases to core deposits | 100.9841% | 3,904 |
| Total domestic deposits to total assets | 87.0289% | 2,489 |
| Equity capital to assets | 10.7491% | 2,927 |
| Core capital (leverage) ratio | 10.2929% | 2,791 |
| Tier 1 risk-based capital ratio | 13.7641% | 3,650 |
| Total risk-based capital ratio | 15.0165% | 3,591 |
| Memoranda: | ||
| Average total assets | $54,790,400 | 6,533 |
| Average earning assets | $50,456,000 | 6,519 |
| Average equity | $5,915,400 | 6,630 |
| Average total loans | $37,589,800 | 6,214 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0783% | 6,347 |
| Cost of funding earning assets | 1.4801% | 5,911 |
| Net interest margin | 3.5982% | 4,491 |
| Noninterest income to average assets | 0.4620% | 4,806 |
| Noninterest expense to average assets | 2.9254% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6420% | 3,442 |
| Return on assets (ROA) | 0.6420% | 3,513 |
| Pretax return on assets | 0.8414% | 3,409 |
| Return on Equity (ROE) | 5.9398% | 3,551 |
| Retained earnings to average equity (ytd only) | 3.2400% | 3,503 |
| Net charge-offs to loans | 0.0108% | 6,787 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 115.3300% | 319 |
| Efficiency ratio | 77.6630% | 3,214 |
| Assets per employee ($millions) | 2.8544% | 6,520 |
| Cash dividends to net income (ytd only)* | 45.4558% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5118% | 3,371 |
| 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 | 69.9119% | 3,538 |
| Net loans and leases to deposits | 80.2455% | 4,342 |
| Net loans and leases to core deposits | 92.3812% | 5,196 |
| Total domestic deposits to total assets | 87.1225% | 2,118 |
| Equity capital to assets | 10.9931% | 3,011 |
| Core capital (leverage) ratio | 10.4797% | 2,810 |
| Tier 1 risk-based capital ratio | 14.7863% | 3,140 |
| Total risk-based capital ratio | 16.0390% | 3,084 |
| Memoranda: | ||
| Average total assets | $54,828,750 | 6,584 |
| Average earning assets | $50,356,500 | 6,563 |
| Average equity | $5,926,000 | 6,686 |
| Average total loans | $36,939,500 | 6,292 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0630% | 6,569 |
| Cost of funding earning assets | 1.6232% | 5,650 |
| Net interest margin | 3.4399% | 5,028 |
| Noninterest income to average assets | 0.4471% | 4,874 |
| Noninterest expense to average assets | 2.8822% | 4,570 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5743% | 3,795 |
| Return on assets (ROA) | 0.5743% | 3,899 |
| Pretax return on assets | 0.7306% | 3,897 |
| Return on Equity (ROE) | 5.3433% | 3,940 |
| Retained earnings to average equity (ytd only) | 1.2851% | 4,625 |
| Net charge-offs to loans | 0.0165% | 6,294 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 547 |
| Efficiency ratio | 79.7787% | 3,077 |
| Assets per employee ($millions) | 2.8892% | 6,419 |
| Cash dividends to net income (ytd only)* | 75.9494% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5216% | 3,083 |
| 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 | 68.6159% | 4,042 |
| Net loans and leases to deposits | 78.6002% | 4,765 |
| Net loans and leases to core deposits | 92.3707% | 5,308 |
| Total domestic deposits to total assets | 87.2973% | 2,100 |
| Equity capital to assets | 10.6114% | 3,287 |
| Core capital (leverage) ratio | 9.9583% | 3,335 |
| Tier 1 risk-based capital ratio | 14.7800% | 3,111 |
| Total risk-based capital ratio | 16.0340% | 3,041 |
| Memoranda: | ||
| Average total assets | $55,027,000 | 6,637 |
| Average earning assets | $50,641,670 | 6,606 |
| Average equity | $5,914,000 | 6,752 |
| Average total loans | $36,420,000 | 6,381 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1038% | 6,634 |
| Cost of funding earning assets | 1.7380% | 5,435 |
| Net interest margin | 3.3658% | 5,266 |
| Noninterest income to average assets | 0.3630% | 5,533 |
| Noninterest expense to average assets | 2.8243% | 4,450 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5227% | 4,326 |
| Return on assets (ROA) | 0.5227% | 4,513 |
| Pretax return on assets | 0.6462% | 4,602 |
| Return on Equity (ROE) | 4.8334% | 4,537 |
| Retained earnings to average equity (ytd only) | 4.8334% | 3,216 |
| Net charge-offs to loans | 0.0338% | 5,043 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 29.6667% | 1,066 |
| Efficiency ratio | 81.3808% | 2,627 |
| Assets per employee ($millions) | 2.9392% | 6,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6522% | 2,310 |
| 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 | 62.0342% | 5,319 |
| Net loans and leases to deposits | 70.7635% | 5,895 |
| Net loans and leases to core deposits | 86.7181% | 5,853 |
| Total domestic deposits to total assets | 87.6641% | 1,900 |
| Equity capital to assets | 10.4880% | 3,474 |
| Core capital (leverage) ratio | 10.0757% | 3,317 |
| Tier 1 risk-based capital ratio | 15.4657% | 2,868 |
| Total risk-based capital ratio | 16.7208% | 2,798 |
| Memoranda: | ||
| Average total assets | $55,093,500 | 6,668 |
| Average earning assets | $50,864,000 | 6,625 |
| Average equity | $5,958,500 | 6,780 |
| Average total loans | $35,506,000 | 6,463 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7260% | 6,692 |
| Cost of funding earning assets | 2.2677% | 5,301 |
| Net interest margin | 3.4583% | 5,445 |
| Noninterest income to average assets | 0.4362% | 5,160 |
| Noninterest expense to average assets | 2.8807% | 4,512 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6389% | 4,149 |
| Return on assets (ROA) | 0.5816% | 4,252 |
| Pretax return on assets | 0.7015% | 4,395 |
| Return on Equity (ROE) | 5.2996% | 4,238 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,238 |
| Net charge-offs to loans | -0.0031% | 7,760 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8950% | 2,777 |
| Assets per employee ($millions) | 2.5877% | 7,036 |
| Cash dividends to net income (ytd only)* | 100.0000% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6347% | 2,111 |
| Loan loss allowance to noncurrent loans | 1,671.4286% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 7,307 |
| Noncurrent loans to loans | 0.0978% | 7,121 |
| Net loans and leases to total assets | 64.7786% | 5,111 |
| Net loans and leases to deposits | 74.7246% | 5,771 |
| Net loans and leases to core deposits | 92.9548% | 5,552 |
| Total domestic deposits to total assets | 86.6899% | 2,100 |
| Equity capital to assets | 11.1516% | 2,920 |
| Core capital (leverage) ratio | 10.7088% | 2,811 |
| Tier 1 risk-based capital ratio | 15.6609% | 2,794 |
| Total risk-based capital ratio | 16.9137% | 2,720 |
| Memoranda: | ||
| Average total assets | $55,021,600 | 6,573 |
| Average earning assets | $51,152,800 | 6,546 |
| Average equity | $6,038,200 | 6,790 |
| Average total loans | $32,517,400 | 6,578 |