Home > Jefferson County Bank > Performance and Condition Ratios
Jefferson County Bank, Performance and Condition Ratios
| 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 | 3.8317% | 4,419 |
| Cost of funding earning assets | 0.3554% | 4,250 |
| Net interest margin | 3.4763% | 3,782 |
| Noninterest income to average assets | 0.1822% | 4,813 |
| Noninterest expense to average assets | 2.7027% | 3,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7390% | 4,005 |
| Return on assets (ROA) | 0.6414% | 4,316 |
| Pretax return on assets | 0.6650% | 4,500 |
| Return on Equity (ROE) | 4.0864% | 4,692 |
| Retained earnings to average equity (ytd only) | -0.4373% | 5,036 |
| 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 | 77.8990% | 1,139 |
| Assets per employee ($millions) | 6.7122% | 1,107 |
| Cash dividends to net income (ytd only)* | 110.7011% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 1,826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 53.1746% | 4,341 |
| Net loans and leases to deposits | 64.8487% | 4,201 |
| Net loans and leases to core deposits | 68.9294% | 4,178 |
| Total domestic deposits to total assets | 81.9979% | 3,644 |
| Equity capital to assets | 16.2193% | 502 |
| Core capital (leverage) ratio | 16.3270% | 476 |
| Tier 1 risk-based capital ratio | 23.6791% | 849 |
| Total risk-based capital ratio | 24.7237% | 843 |
| Memoranda: | ||
| Average total assets | $42,254,600 | 5,070 |
| Average earning assets | $39,956,200 | 5,046 |
| Average equity | $6,631,800 | 4,806 |
| Average total loans | $21,150,000 | 5,052 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7950% | 4,448 |
| Cost of funding earning assets | 0.3366% | 4,264 |
| Net interest margin | 3.4584% | 3,838 |
| Noninterest income to average assets | 0.1809% | 4,879 |
| Noninterest expense to average assets | 1.8245% | 5,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5835% | 992 |
| Return on assets (ROA) | 1.4534% | 1,315 |
| Pretax return on assets | 1.4908% | 1,932 |
| Return on Equity (ROE) | 9.3337% | 2,941 |
| Retained earnings to average equity (ytd only) | 3.3249% | 4,088 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8933% | 4,722 |
| Assets per employee ($millions) | 6.8833% | 983 |
| Cash dividends to net income (ytd only)* | 64.3775% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 1,516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 48.1671% | 4,711 |
| Net loans and leases to deposits | 57.7731% | 4,657 |
| Net loans and leases to core deposits | 61.7297% | 4,627 |
| Total domestic deposits to total assets | 83.3729% | 3,178 |
| Equity capital to assets | 16.3680% | 476 |
| Core capital (leverage) ratio | 16.4209% | 464 |
| Tier 1 risk-based capital ratio | 25.3862% | 719 |
| Total risk-based capital ratio | 26.4741% | 719 |
| Memoranda: | ||
| Average total assets | $42,750,000 | 5,128 |
| Average earning assets | $40,403,250 | 5,105 |
| Average equity | $6,656,750 | 4,853 |
| Average total loans | $21,010,500 | 5,115 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7791% | 4,394 |
| Cost of funding earning assets | 0.3276% | 4,221 |
| Net interest margin | 3.4516% | 3,794 |
| Noninterest income to average assets | 0.1897% | 4,878 |
| Noninterest expense to average assets | 1.7718% | 5,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6429% | 814 |
| Return on assets (ROA) | 1.4480% | 1,285 |
| Pretax return on assets | 1.4850% | 1,868 |
| Return on Equity (ROE) | 9.4529% | 2,825 |
| Retained earnings to average equity (ytd only) | 0.3926% | 4,895 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2718% | 4,948 |
| Assets per employee ($millions) | 6.9658% | 935 |
| Cash dividends to net income (ytd only)* | 95.8466% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 1,855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 50.4749% | 4,581 |
| Net loans and leases to deposits | 60.0752% | 4,525 |
| Net loans and leases to core deposits | 64.0904% | 4,481 |
| Total domestic deposits to total assets | 84.0196% | 3,058 |
| Equity capital to assets | 15.8153% | 532 |
| Core capital (leverage) ratio | 15.6439% | 549 |
| Tier 1 risk-based capital ratio | 23.7291% | 862 |
| Total risk-based capital ratio | 24.7692% | 853 |
| Memoranda: | ||
| Average total assets | $43,233,330 | 5,180 |
| Average earning assets | $40,909,000 | 5,155 |
| Average equity | $6,622,330 | 4,903 |
| Average total loans | $21,285,330 | 5,164 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7215% | 4,421 |
| Cost of funding earning assets | 0.3270% | 4,151 |
| Net interest margin | 3.3945% | 3,902 |
| Noninterest income to average assets | 0.1365% | 5,184 |
| Noninterest expense to average assets | 1.7018% | 5,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6108% | 834 |
| Return on assets (ROA) | 1.6108% | 837 |
| Pretax return on assets | 1.6472% | 1,252 |
| Return on Equity (ROE) | 10.6811% | 2,092 |
| Retained earnings to average equity (ytd only) | -7.4225% | 5,293 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8152% | 5,036 |
| Assets per employee ($millions) | 7.1713% | 897 |
| Cash dividends to net income (ytd only)* | 169.4915% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 1,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 48.2593% | 4,681 |
| Net loans and leases to deposits | 56.9216% | 4,650 |
| Net loans and leases to core deposits | 60.5658% | 4,625 |
| Total domestic deposits to total assets | 84.7820% | 3,008 |
| Equity capital to assets | 15.1041% | 647 |
| Core capital (leverage) ratio | 14.6822% | 718 |
| Tier 1 risk-based capital ratio | 23.4529% | 899 |
| Total risk-based capital ratio | 24.5022% | 890 |
| Memoranda: | ||
| Average total assets | $43,952,500 | 5,221 |
| Average earning assets | $41,596,500 | 5,198 |
| Average equity | $6,628,500 | 4,954 |
| Average total loans | $21,233,500 | 5,224 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6127% | 4,543 |
| Cost of funding earning assets | 0.3078% | 4,057 |
| Net interest margin | 3.3049% | 4,148 |
| Noninterest income to average assets | 0.1424% | 5,235 |
| Noninterest expense to average assets | 1.8253% | 5,223 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4098% | 996 |
| Return on assets (ROA) | 1.4098% | 1,013 |
| Pretax return on assets | 1.4495% | 1,816 |
| Return on Equity (ROE) | 9.2231% | 2,202 |
| Retained earnings to average equity (ytd only) | 4.6421% | 2,363 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7377% | 4,788 |
| Assets per employee ($millions) | 7.4795% | 776 |
| Cash dividends to net income (ytd only)* | 49.6689% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 1,890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 47.0531% | 4,827 |
| Net loans and leases to deposits | 62.6495% | 4,395 |
| Net loans and leases to core deposits | 68.7526% | 4,249 |
| Total domestic deposits to total assets | 75.1053% | 5,084 |
| Equity capital to assets | 15.0589% | 665 |
| Core capital (leverage) ratio | 15.0821% | 605 |
| Tier 1 risk-based capital ratio | 23.3785% | 872 |
| Total risk-based capital ratio | 24.4052% | 878 |
| Memoranda: | ||
| Average total assets | $42,843,400 | 5,291 |
| Average earning assets | $40,606,600 | 5,263 |
| Average equity | $6,548,800 | 5,016 |
| Average total loans | $20,071,400 | 5,314 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5902% | 4,589 |
| Cost of funding earning assets | 0.3089% | 4,043 |
| Net interest margin | 3.2814% | 4,230 |
| Noninterest income to average assets | 0.1480% | 5,268 |
| Noninterest expense to average assets | 1.8393% | 5,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3794% | 1,132 |
| Return on assets (ROA) | 1.3794% | 1,151 |
| Pretax return on assets | 1.4204% | 2,058 |
| Return on Equity (ROE) | 8.9893% | 2,609 |
| Retained earnings to average equity (ytd only) | 2.8323% | 4,217 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4251% | 4,684 |
| Assets per employee ($millions) | 7.1300% | 903 |
| Cash dividends to net income (ytd only)* | 68.4926% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 1,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 44.2987% | 5,013 |
| Net loans and leases to deposits | 54.1751% | 4,956 |
| Net loans and leases to core deposits | 58.7701% | 4,881 |
| Total domestic deposits to total assets | 81.7695% | 3,843 |
| Equity capital to assets | 15.5727% | 619 |
| Core capital (leverage) ratio | 15.0435% | 657 |
| Tier 1 risk-based capital ratio | 24.8814% | 767 |
| Total risk-based capital ratio | 26.0020% | 764 |
| Memoranda: | ||
| Average total assets | $42,335,000 | 5,357 |
| Average earning assets | $40,145,000 | 5,328 |
| Average equity | $6,496,500 | 5,079 |
| Average total loans | $19,737,000 | 5,379 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5817% | 4,559 |
| Cost of funding earning assets | 0.3006% | 4,076 |
| Net interest margin | 3.2812% | 4,166 |
| Noninterest income to average assets | 0.1422% | 5,347 |
| Noninterest expense to average assets | 1.8157% | 5,292 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3938% | 1,087 |
| Return on assets (ROA) | 1.3938% | 1,110 |
| Pretax return on assets | 1.4317% | 1,892 |
| Return on Equity (ROE) | 9.1285% | 2,449 |
| Retained earnings to average equity (ytd only) | -0.1863% | 5,103 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9124% | 4,837 |
| Assets per employee ($millions) | 7.0938% | 890 |
| Cash dividends to net income (ytd only)* | 102.0408% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5685% | 1,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 43.1995% | 5,086 |
| Net loans and leases to deposits | 52.5929% | 5,037 |
| Net loans and leases to core deposits | 55.6676% | 5,014 |
| Total domestic deposits to total assets | 82.1394% | 3,849 |
| Equity capital to assets | 15.3772% | 637 |
| Core capital (leverage) ratio | 15.0726% | 613 |
| Tier 1 risk-based capital ratio | 24.6627% | 791 |
| Total risk-based capital ratio | 25.7986% | 774 |
| Memoranda: | ||
| Average total assets | $42,186,670 | 5,404 |
| Average earning assets | $39,924,670 | 5,373 |
| Average equity | $6,441,330 | 5,115 |
| Average total loans | $19,901,330 | 5,413 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5221% | 4,631 |
| Cost of funding earning assets | 0.2702% | 4,356 |
| Net interest margin | 3.2519% | 4,169 |
| Noninterest income to average assets | 0.1333% | 5,449 |
| Noninterest expense to average assets | 1.8001% | 5,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3905% | 1,020 |
| Return on assets (ROA) | 1.3905% | 1,053 |
| Pretax return on assets | 1.4286% | 1,773 |
| Return on Equity (ROE) | 9.1400% | 2,345 |
| Retained earnings to average equity (ytd only) | -9.6408% | 5,570 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7522% | 4,958 |
| Assets per employee ($millions) | 6.9478% | 974 |
| Cash dividends to net income (ytd only)* | 205.4795% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4724% | 1,790 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 47.0314% | 4,890 |
| Net loans and leases to deposits | 57.1520% | 4,752 |
| Net loans and leases to core deposits | 60.5535% | 4,748 |
| Total domestic deposits to total assets | 82.2918% | 4,085 |
| Equity capital to assets | 15.1750% | 621 |
| Core capital (leverage) ratio | 14.5701% | 691 |
| Tier 1 risk-based capital ratio | 23.4978% | 916 |
| Total risk-based capital ratio | 24.6058% | 919 |
| Memoranda: | ||
| Average total assets | $41,998,500 | 5,465 |
| Average earning assets | $39,976,500 | 5,432 |
| Average equity | $6,389,500 | 5,175 |
| Average total loans | $20,512,000 | 5,446 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7567% | 4,035 |
| Cost of funding earning assets | 0.3192% | 3,853 |
| Net interest margin | 3.4374% | 3,676 |
| Noninterest income to average assets | 0.1619% | 5,402 |
| Noninterest expense to average assets | 1.8215% | 5,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5472% | 768 |
| Return on assets (ROA) | 1.5494% | 785 |
| Pretax return on assets | 1.5877% | 1,323 |
| Return on Equity (ROE) | 10.8936% | 1,619 |
| Retained earnings to average equity (ytd only) | 5.3599% | 2,097 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4653% | 5,287 |
| Assets per employee ($millions) | 7.0517% | 904 |
| Cash dividends to net income (ytd only)* | 50.7983% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 2,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 49.2366% | 4,815 |
| Net loans and leases to deposits | 61.5930% | 4,568 |
| Net loans and leases to core deposits | 66.3461% | 4,506 |
| Total domestic deposits to total assets | 79.9385% | 4,588 |
| Equity capital to assets | 15.2517% | 605 |
| Core capital (leverage) ratio | 14.5468% | 686 |
| Tier 1 risk-based capital ratio | 22.5288% | 1,010 |
| Total risk-based capital ratio | 23.5654% | 1,019 |
| Memoranda: | ||
| Average total assets | $44,467,800 | 5,455 |
| Average earning assets | $41,978,800 | 5,420 |
| Average equity | $6,324,800 | 5,224 |
| Average total loans | $21,652,000 | 5,459 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6706% | 4,345 |
| Cost of funding earning assets | 0.3111% | 3,964 |
| Net interest margin | 3.3595% | 3,998 |
| Noninterest income to average assets | 0.1600% | 5,471 |
| Noninterest expense to average assets | 1.7182% | 5,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5701% | 769 |
| Return on assets (ROA) | 1.5730% | 803 |
| Pretax return on assets | 1.6115% | 1,351 |
| Return on Equity (ROE) | 11.2507% | 1,574 |
| Retained earnings to average equity (ytd only) | 3.8350% | 3,577 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6474% | 5,405 |
| Assets per employee ($millions) | 7.4213% | 743 |
| Cash dividends to net income (ytd only)* | 65.9143% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 2,556 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 49.0366% | 4,892 |
| Net loans and leases to deposits | 61.1128% | 4,677 |
| Net loans and leases to core deposits | 65.5509% | 4,641 |
| Total domestic deposits to total assets | 80.2394% | 4,459 |
| Equity capital to assets | 14.5931% | 845 |
| Core capital (leverage) ratio | 14.1927% | 795 |
| Tier 1 risk-based capital ratio | 20.9444% | 1,280 |
| Total risk-based capital ratio | 21.9325% | 1,297 |
| Memoranda: | ||
| Average total assets | $45,007,250 | 5,497 |
| Average earning assets | $42,426,250 | 5,469 |
| Average equity | $6,292,750 | 5,285 |
| Average total loans | $21,783,750 | 5,507 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7089% | 4,275 |
| Cost of funding earning assets | 0.3150% | 3,963 |
| Net interest margin | 3.3940% | 3,919 |
| Noninterest income to average assets | 0.1328% | 5,651 |
| Noninterest expense to average assets | 1.6915% | 5,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5986% | 729 |
| Return on assets (ROA) | 1.6029% | 765 |
| Pretax return on assets | 1.6428% | 1,246 |
| Return on Equity (ROE) | 11.6318% | 1,439 |
| Retained earnings to average equity (ytd only) | 0.3856% | 5,187 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7979% | 5,518 |
| Assets per employee ($millions) | 7.3188% | 758 |
| Cash dividends to net income (ytd only)* | 96.6851% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 2,360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 47.5144% | 5,034 |
| Net loans and leases to deposits | 57.1299% | 4,944 |
| Net loans and leases to core deposits | 61.1751% | 4,921 |
| Total domestic deposits to total assets | 83.1690% | 3,587 |
| Equity capital to assets | 14.4058% | 898 |
| Core capital (leverage) ratio | 13.3871% | 1,021 |
| Tier 1 risk-based capital ratio | 20.8845% | 1,283 |
| Total risk-based capital ratio | 21.8976% | 1,301 |
| Memoranda: | ||
| Average total assets | $45,167,000 | 5,558 |
| Average earning assets | $42,546,000 | 5,529 |
| Average equity | $6,224,330 | 5,347 |
| Average total loans | $21,669,000 | 5,569 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6719% | 4,414 |
| Cost of funding earning assets | 0.3045% | 4,110 |
| Net interest margin | 3.3675% | 3,984 |
| Noninterest income to average assets | 0.1223% | 5,729 |
| Noninterest expense to average assets | 1.6247% | 5,813 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6509% | 634 |
| Return on assets (ROA) | 1.6509% | 676 |
| Pretax return on assets | 1.6858% | 1,099 |
| Return on Equity (ROE) | 12.2459% | 1,234 |
| Retained earnings to average equity (ytd only) | -0.7127% | 5,237 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0765% | 5,674 |
| Assets per employee ($millions) | 7.6945% | 641 |
| Cash dividends to net income (ytd only)* | 105.8201% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3699% | 2,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 45.6950% | 5,140 |
| Net loans and leases to deposits | 58.7436% | 4,799 |
| Net loans and leases to core deposits | 62.9713% | 4,755 |
| Total domestic deposits to total assets | 77.7872% | 5,181 |
| Equity capital to assets | 13.4447% | 1,195 |
| Core capital (leverage) ratio | 13.2136% | 1,075 |
| Tier 1 risk-based capital ratio | 20.4917% | 1,407 |
| Total risk-based capital ratio | 21.4894% | 1,428 |
| Memoranda: | ||
| Average total assets | $45,794,000 | 5,596 |
| Average earning assets | $43,356,000 | 5,565 |
| Average equity | $6,173,500 | 5,390 |
| Average total loans | $21,924,500 | 5,616 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4802% | 4,969 |
| Cost of funding earning assets | 0.2988% | 4,261 |
| Net interest margin | 3.1813% | 4,682 |
| Noninterest income to average assets | 0.1575% | 5,635 |
| Noninterest expense to average assets | 1.7741% | 5,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3738% | 1,089 |
| Return on assets (ROA) | 1.3738% | 1,135 |
| Pretax return on assets | 1.4110% | 1,852 |
| Return on Equity (ROE) | 10.5451% | 1,785 |
| Retained earnings to average equity (ytd only) | 3.8285% | 3,314 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7005% | 5,373 |
| Assets per employee ($millions) | 7.5702% | 672 |
| Cash dividends to net income (ytd only)* | 63.6943% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 2,872 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 48.8034% | 4,954 |
| Net loans and leases to deposits | 62.9405% | 4,546 |
| Net loans and leases to core deposits | 67.5576% | 4,475 |
| Total domestic deposits to total assets | 77.5390% | 5,235 |
| Equity capital to assets | 13.5180% | 1,120 |
| Core capital (leverage) ratio | 13.3874% | 1,007 |
| Tier 1 risk-based capital ratio | 20.1531% | 1,454 |
| Total risk-based capital ratio | 21.1325% | 1,474 |
| Memoranda: | ||
| Average total assets | $45,713,600 | 5,638 |
| Average earning assets | $43,503,800 | 5,595 |
| Average equity | $5,955,400 | 5,446 |
| Average total loans | $21,010,200 | 5,681 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4586% | 5,080 |
| Cost of funding earning assets | 0.2997% | 4,342 |
| Net interest margin | 3.1589% | 4,801 |
| Noninterest income to average assets | 0.1660% | 5,649 |
| Noninterest expense to average assets | 1.7093% | 5,889 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4269% | 1,052 |
| Return on assets (ROA) | 1.4269% | 1,098 |
| Pretax return on assets | 1.4647% | 1,782 |
| Return on Equity (ROE) | 11.0559% | 1,684 |
| Retained earnings to average equity (ytd only) | 2.0307% | 4,862 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8532% | 5,529 |
| Assets per employee ($millions) | 7.4120% | 718 |
| Cash dividends to net income (ytd only)* | 81.6323% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 2,480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 45.5725% | 5,258 |
| Net loans and leases to deposits | 54.2682% | 5,234 |
| Net loans and leases to core deposits | 58.0002% | 5,191 |
| Total domestic deposits to total assets | 83.9764% | 3,439 |
| Equity capital to assets | 13.4354% | 1,261 |
| Core capital (leverage) ratio | 13.2260% | 1,121 |
| Tier 1 risk-based capital ratio | 20.6920% | 1,402 |
| Total risk-based capital ratio | 21.7211% | 1,406 |
| Memoranda: | ||
| Average total assets | $45,786,750 | 5,711 |
| Average earning assets | $43,600,250 | 5,667 |
| Average equity | $5,909,250 | 5,522 |
| Average total loans | $20,647,750 | 5,762 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4530% | 5,096 |
| Cost of funding earning assets | 0.2995% | 4,403 |
| Net interest margin | 3.1536% | 4,818 |
| Noninterest income to average assets | 0.1428% | 5,853 |
| Noninterest expense to average assets | 1.6571% | 6,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4538% | 978 |
| Return on assets (ROA) | 1.4538% | 1,026 |
| Pretax return on assets | 1.4927% | 1,669 |
| Return on Equity (ROE) | 11.4143% | 1,554 |
| Retained earnings to average equity (ytd only) | -2.1742% | 5,847 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6099% | 5,672 |
| Assets per employee ($millions) | 7.5348% | 663 |
| Cash dividends to net income (ytd only)* | 119.0476% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 2,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 42.1929% | 5,492 |
| Net loans and leases to deposits | 51.9217% | 5,386 |
| Net loans and leases to core deposits | 55.0680% | 5,369 |
| Total domestic deposits to total assets | 81.2626% | 4,529 |
| Equity capital to assets | 12.8780% | 1,457 |
| Core capital (leverage) ratio | 12.8279% | 1,241 |
| Tier 1 risk-based capital ratio | 21.0200% | 1,357 |
| Total risk-based capital ratio | 22.0936% | 1,372 |
| Memoranda: | ||
| Average total assets | $46,225,000 | 5,763 |
| Average earning assets | $44,077,000 | 5,711 |
| Average equity | $5,887,330 | 5,576 |
| Average total loans | $20,677,000 | 5,819 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4420% | 5,109 |
| Cost of funding earning assets | 0.3040% | 4,399 |
| Net interest margin | 3.1381% | 4,825 |
| Noninterest income to average assets | 0.1455% | 5,870 |
| Noninterest expense to average assets | 1.6006% | 6,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5064% | 837 |
| Return on assets (ROA) | 1.5064% | 889 |
| Pretax return on assets | 1.5492% | 1,396 |
| Return on Equity (ROE) | 11.8919% | 1,376 |
| Retained earnings to average equity (ytd only) | -1.6216% | 5,641 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8152% | 5,865 |
| Assets per employee ($millions) | 7.6115% | 642 |
| Cash dividends to net income (ytd only)* | 113.6364% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 2,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 44.1853% | 5,336 |
| Net loans and leases to deposits | 54.4319% | 5,161 |
| Net loans and leases to core deposits | 57.6922% | 5,140 |
| Total domestic deposits to total assets | 81.1754% | 4,777 |
| Equity capital to assets | 13.0570% | 1,367 |
| Core capital (leverage) ratio | 12.4215% | 1,395 |
| Tier 1 risk-based capital ratio | 22.6115% | 1,153 |
| Total risk-based capital ratio | 23.7583% | 1,157 |
| Memoranda: | ||
| Average total assets | $46,733,000 | 5,800 |
| Average earning assets | $44,741,000 | 5,745 |
| Average equity | $5,920,000 | 5,617 |
| Average total loans | $21,331,500 | 5,843 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4789% | 5,369 |
| Cost of funding earning assets | 0.3247% | 4,542 |
| Net interest margin | 3.1542% | 5,063 |
| Noninterest income to average assets | 0.1609% | 5,896 |
| Noninterest expense to average assets | 1.7617% | 6,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3651% | 1,150 |
| Return on assets (ROA) | 1.3776% | 1,165 |
| Pretax return on assets | 1.4141% | 1,839 |
| Return on Equity (ROE) | 11.6676% | 1,501 |
| Retained earnings to average equity (ytd only) | 6.2155% | 1,800 |
| Net charge-offs to loans | 0.0049% | 4,853 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 653.0000% | 77 |
| Efficiency ratio | 55.6988% | 5,698 |
| Assets per employee ($millions) | 7.9662% | 539 |
| Cash dividends to net income (ytd only)* | 46.7290% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3204% | 3,312 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 45.8146% | 5,338 |
| Net loans and leases to deposits | 62.8783% | 4,650 |
| Net loans and leases to core deposits | 66.8948% | 4,606 |
| Total domestic deposits to total assets | 72.8623% | 6,028 |
| Equity capital to assets | 12.2958% | 1,787 |
| Core capital (leverage) ratio | 12.4392% | 1,382 |
| Tier 1 risk-based capital ratio | 21.5266% | 1,308 |
| Total risk-based capital ratio | 22.6139% | 1,307 |
| Memoranda: | ||
| Average total assets | $46,601,600 | 5,872 |
| Average earning assets | $44,353,000 | 5,823 |
| Average equity | $5,502,400 | 5,741 |
| Average total loans | $20,483,600 | 5,943 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4934% | 5,407 |
| Cost of funding earning assets | 0.3303% | 4,562 |
| Net interest margin | 3.1632% | 5,083 |
| Noninterest income to average assets | 0.1641% | 5,933 |
| Noninterest expense to average assets | 1.6960% | 6,211 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4374% | 1,053 |
| Return on assets (ROA) | 1.4542% | 1,058 |
| Pretax return on assets | 1.4916% | 1,669 |
| Return on Equity (ROE) | 12.4487% | 1,353 |
| Retained earnings to average equity (ytd only) | 5.0535% | 3,046 |
| Net charge-offs to loans | 0.0066% | 4,472 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 513.2707% | 148 |
| Efficiency ratio | 53.4968% | 5,877 |
| Assets per employee ($millions) | 7.7452% | 577 |
| Cash dividends to net income (ytd only)* | 59.4056% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 2,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 42.6266% | 5,627 |
| Net loans and leases to deposits | 50.4097% | 5,626 |
| Net loans and leases to core deposits | 53.2357% | 5,614 |
| Total domestic deposits to total assets | 84.5603% | 3,521 |
| Equity capital to assets | 12.1237% | 1,960 |
| Core capital (leverage) ratio | 12.1238% | 1,617 |
| Tier 1 risk-based capital ratio | 22.4495% | 1,197 |
| Total risk-based capital ratio | 23.6108% | 1,194 |
| Memoranda: | ||
| Average total assets | $46,302,750 | 5,946 |
| Average earning assets | $44,005,500 | 5,901 |
| Average equity | $5,408,750 | 5,819 |
| Average total loans | $20,056,750 | 6,025 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5052% | 5,400 |
| Cost of funding earning assets | 0.3323% | 4,620 |
| Net interest margin | 3.1728% | 5,034 |
| Noninterest income to average assets | 0.1470% | 6,081 |
| Noninterest expense to average assets | 1.6866% | 6,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4401% | 983 |
| Return on assets (ROA) | 1.4401% | 1,023 |
| Pretax return on assets | 1.4747% | 1,623 |
| Return on Equity (ROE) | 12.4867% | 1,311 |
| Retained earnings to average equity (ytd only) | 1.2374% | 5,257 |
| Net charge-offs to loans | 0.0100% | 4,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 341.0000% | 200 |
| Efficiency ratio | 53.3516% | 5,966 |
| Assets per employee ($millions) | 7.8270% | 541 |
| Cash dividends to net income (ytd only)* | 90.0901% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4805% | 2,992 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 41.5187% | 5,709 |
| Net loans and leases to deposits | 50.4437% | 5,608 |
| Net loans and leases to core deposits | 53.3155% | 5,595 |
| Total domestic deposits to total assets | 82.3070% | 4,545 |
| Equity capital to assets | 11.8351% | 2,117 |
| Core capital (leverage) ratio | 11.9184% | 1,708 |
| Tier 1 risk-based capital ratio | 21.4565% | 1,353 |
| Total risk-based capital ratio | 22.6012% | 1,352 |
| Memoranda: | ||
| Average total assets | $46,246,670 | 5,998 |
| Average earning assets | $43,935,330 | 5,953 |
| Average equity | $5,333,670 | 5,881 |
| Average total loans | $20,041,670 | 6,075 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4850% | 5,463 |
| Cost of funding earning assets | 0.3393% | 4,653 |
| Net interest margin | 3.1457% | 5,101 |
| Noninterest income to average assets | 0.1395% | 6,142 |
| Noninterest expense to average assets | 1.6649% | 6,381 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4295% | 936 |
| Return on assets (ROA) | 1.4295% | 976 |
| Pretax return on assets | 1.4644% | 1,532 |
| Return on Equity (ROE) | 12.5634% | 1,272 |
| Retained earnings to average equity (ytd only) | 1.0725% | 5,169 |
| Net charge-offs to loans | 0.0198% | 3,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 296 |
| Efficiency ratio | 53.2033% | 6,072 |
| Assets per employee ($millions) | 7.6905% | 568 |
| Cash dividends to net income (ytd only)* | 91.4634% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 3,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 41.4797% | 5,710 |
| Net loans and leases to deposits | 48.2724% | 5,713 |
| Net loans and leases to core deposits | 51.7717% | 5,634 |
| Total domestic deposits to total assets | 85.9285% | 3,400 |
| Equity capital to assets | 11.6096% | 2,161 |
| Core capital (leverage) ratio | 11.9670% | 1,671 |
| Tier 1 risk-based capital ratio | 22.0126% | 1,293 |
| Total risk-based capital ratio | 23.1911% | 1,273 |
| Memoranda: | ||
| Average total assets | $45,889,000 | 6,068 |
| Average earning assets | $43,615,000 | 6,014 |
| Average equity | $5,221,500 | 5,944 |
| Average total loans | $20,167,000 | 6,130 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5742% | 5,473 |
| Cost of funding earning assets | 0.3762% | 4,879 |
| Net interest margin | 3.1980% | 5,010 |
| Noninterest income to average assets | 0.1752% | 6,038 |
| Noninterest expense to average assets | 1.7042% | 6,439 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4539% | 908 |
| Return on assets (ROA) | 1.6385% | 654 |
| Pretax return on assets | 1.6757% | 999 |
| Return on Equity (ROE) | 14.6288% | 825 |
| Retained earnings to average equity (ytd only) | 6.8059% | 1,525 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3974% | 6,184 |
| Assets per employee ($millions) | 7.6058% | 572 |
| Cash dividends to net income (ytd only)* | 53.4759% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 3,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 45.1561% | 5,567 |
| Net loans and leases to deposits | 59.2854% | 5,002 |
| Net loans and leases to core deposits | 64.2283% | 4,847 |
| Total domestic deposits to total assets | 76.1674% | 6,083 |
| Equity capital to assets | 11.1450% | 2,482 |
| Core capital (leverage) ratio | 12.2027% | 1,494 |
| Tier 1 risk-based capital ratio | 20.3444% | 1,576 |
| Total risk-based capital ratio | 21.4400% | 1,581 |
| Memoranda: | ||
| Average total assets | $45,651,400 | 6,131 |
| Average earning assets | $43,058,600 | 6,077 |
| Average equity | $5,113,200 | 6,041 |
| Average total loans | $20,036,800 | 6,201 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5801% | 5,497 |
| Cost of funding earning assets | 0.3850% | 4,950 |
| Net interest margin | 3.1951% | 5,017 |
| Noninterest income to average assets | 0.1694% | 6,174 |
| Noninterest expense to average assets | 1.6383% | 6,527 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5061% | 887 |
| Return on assets (ROA) | 1.7522% | 600 |
| Pretax return on assets | 1.7873% | 930 |
| Return on Equity (ROE) | 15.6246% | 690 |
| Retained earnings to average equity (ytd only) | 5.2082% | 2,929 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6099% | 6,285 |
| Assets per employee ($millions) | 7.5397% | 572 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 3,262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 41.4674% | 5,937 |
| Net loans and leases to deposits | 49.8168% | 5,846 |
| Net loans and leases to core deposits | 54.2403% | 5,748 |
| Total domestic deposits to total assets | 83.2398% | 4,487 |
| Equity capital to assets | 11.1676% | 2,600 |
| Core capital (leverage) ratio | 11.6910% | 1,896 |
| Tier 1 risk-based capital ratio | 20.2694% | 1,664 |
| Total risk-based capital ratio | 21.3915% | 1,673 |
| Memoranda: | ||
| Average total assets | $45,655,500 | 6,200 |
| Average earning assets | $42,940,250 | 6,148 |
| Average equity | $5,120,000 | 6,111 |
| Average total loans | $19,820,750 | 6,279 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5592% | 5,562 |
| Cost of funding earning assets | 0.3903% | 5,030 |
| Net interest margin | 3.1689% | 5,050 |
| Noninterest income to average assets | 0.1616% | 6,245 |
| Noninterest expense to average assets | 1.5984% | 6,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5142% | 878 |
| Return on assets (ROA) | 1.8823% | 473 |
| Pretax return on assets | 1.9173% | 724 |
| Return on Equity (ROE) | 16.7617% | 576 |
| Retained earnings to average equity (ytd only) | 1.2056% | 5,420 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9040% | 6,362 |
| Assets per employee ($millions) | 7.4532% | 582 |
| Cash dividends to net income (ytd only)* | 92.8074% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5805% | 3,223 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 40.9401% | 5,972 |
| Net loans and leases to deposits | 47.2075% | 6,033 |
| Net loans and leases to core deposits | 51.2599% | 5,938 |
| Total domestic deposits to total assets | 86.7238% | 2,988 |
| Equity capital to assets | 10.6018% | 3,172 |
| Core capital (leverage) ratio | 11.5426% | 1,904 |
| Tier 1 risk-based capital ratio | 20.8710% | 1,520 |
| Total risk-based capital ratio | 22.0644% | 1,510 |
| Memoranda: | ||
| Average total assets | $45,794,670 | 6,237 |
| Average earning assets | $43,043,330 | 6,188 |
| Average equity | $5,142,670 | 6,144 |
| Average total loans | $20,076,670 | 6,298 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5681% | 5,534 |
| Cost of funding earning assets | 0.4046% | 5,060 |
| Net interest margin | 3.1635% | 5,049 |
| Noninterest income to average assets | 0.1468% | 6,369 |
| Noninterest expense to average assets | 1.5367% | 6,709 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5454% | 773 |
| Return on assets (ROA) | 1.5454% | 849 |
| Pretax return on assets | 1.5799% | 1,349 |
| Return on Equity (ROE) | 13.3995% | 1,078 |
| Retained earnings to average equity (ytd only) | -1.5720% | 6,031 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3075% | 6,546 |
| Assets per employee ($millions) | 7.8667% | 519 |
| Cash dividends to net income (ytd only)* | 111.7318% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4932% | 3,857 |
| Loan loss allowance to noncurrent loans | 4,200.0000% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 6,572 |
| Noncurrent loans to loans | 0.0356% | 6,384 |
| Net loans and leases to total assets | 41.0911% | 5,914 |
| Net loans and leases to deposits | 47.6313% | 5,947 |
| Net loans and leases to core deposits | 51.0301% | 5,897 |
| Total domestic deposits to total assets | 86.2691% | 3,374 |
| Equity capital to assets | 11.2288% | 2,706 |
| Core capital (leverage) ratio | 11.2491% | 2,056 |
| Tier 1 risk-based capital ratio | 20.5524% | 1,643 |
| Total risk-based capital ratio | 21.7395% | 1,627 |
| Memoranda: | ||
| Average total assets | $46,332,500 | 6,283 |
| Average earning assets | $43,496,500 | 6,229 |
| Average equity | $5,343,500 | 6,152 |
| Average total loans | $20,814,000 | 6,318 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0189% | 5,248 |
| Cost of funding earning assets | 0.5014% | 5,210 |
| Net interest margin | 3.5175% | 4,429 |
| Noninterest income to average assets | 0.1912% | 6,036 |
| Noninterest expense to average assets | 2.0614% | 6,207 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3889% | 1,119 |
| Return on assets (ROA) | 1.3889% | 1,231 |
| Pretax return on assets | 1.4257% | 1,950 |
| Return on Equity (ROE) | 11.8663% | 1,544 |
| Retained earnings to average equity (ytd only) | 3.9948% | 3,392 |
| Net charge-offs to loans | 0.0050% | 5,901 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 619.0000% | 67 |
| Efficiency ratio | 59.1149% | 5,684 |
| Assets per employee ($millions) | 7.5775% | 602 |
| Cash dividends to net income (ytd only)* | 66.3350% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 4,456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 47.6081% | 5,453 |
| Net loans and leases to deposits | 64.8928% | 4,442 |
| Net loans and leases to core deposits | 68.6097% | 4,466 |
| Total domestic deposits to total assets | 73.3641% | 6,590 |
| Equity capital to assets | 11.8487% | 2,146 |
| Core capital (leverage) ratio | 11.5136% | 1,866 |
| Tier 1 risk-based capital ratio | 19.6948% | 1,755 |
| Total risk-based capital ratio | 20.8277% | 1,760 |
| Memoranda: | ||
| Average total assets | $43,417,000 | 6,386 |
| Average earning assets | $40,682,800 | 6,337 |
| Average equity | $5,081,600 | 6,268 |
| Average total loans | $20,026,800 | 6,423 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0906% | 5,220 |
| Cost of funding earning assets | 0.5080% | 5,389 |
| Net interest margin | 3.5826% | 4,307 |
| Noninterest income to average assets | 0.1865% | 6,181 |
| Noninterest expense to average assets | 2.0696% | 6,224 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4357% | 1,151 |
| Return on assets (ROA) | 1.4357% | 1,273 |
| Pretax return on assets | 1.4699% | 2,005 |
| Return on Equity (ROE) | 12.3067% | 1,533 |
| Retained earnings to average equity (ytd only) | 1.6515% | 5,508 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4723% | 5,721 |
| Assets per employee ($millions) | 7.4713% | 603 |
| Cash dividends to net income (ytd only)* | 86.5807% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 4,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 46.7699% | 5,682 |
| Net loans and leases to deposits | 57.7083% | 5,458 |
| Net loans and leases to core deposits | 63.2917% | 5,233 |
| Total domestic deposits to total assets | 81.0453% | 5,338 |
| Equity capital to assets | 11.6356% | 2,613 |
| Core capital (leverage) ratio | 11.1345% | 2,268 |
| Tier 1 risk-based capital ratio | 19.8103% | 1,808 |
| Total risk-based capital ratio | 20.9861% | 1,795 |
| Memoranda: | ||
| Average total assets | $42,905,000 | 6,472 |
| Average earning assets | $40,156,250 | 6,428 |
| Average equity | $5,005,250 | 6,358 |
| Average total loans | $19,548,750 | 6,533 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1392% | 5,165 |
| Cost of funding earning assets | 0.5130% | 5,531 |
| Net interest margin | 3.6263% | 4,160 |
| Noninterest income to average assets | 0.1751% | 6,303 |
| Noninterest expense to average assets | 2.2478% | 5,880 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2730% | 1,508 |
| Return on assets (ROA) | 1.2730% | 1,675 |
| Pretax return on assets | 1.3061% | 2,536 |
| Return on Equity (ROE) | 10.9017% | 2,021 |
| Retained earnings to average equity (ytd only) | -5.3090% | 6,638 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2490% | 5,041 |
| Assets per employee ($millions) | 7.4018% | 608 |
| Cash dividends to net income (ytd only)* | 148.6989% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 4,281 |
| Loan loss allowance to noncurrent loans | 14,750.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 6,851 |
| Noncurrent loans to loans | 0.0098% | 6,687 |
| Net loans and leases to total assets | 45.4167% | 5,878 |
| Net loans and leases to deposits | 53.9161% | 5,875 |
| Net loans and leases to core deposits | 57.4480% | 5,818 |
| Total domestic deposits to total assets | 84.2359% | 4,219 |
| Equity capital to assets | 11.1594% | 2,939 |
| Core capital (leverage) ratio | 11.1913% | 2,131 |
| Tier 1 risk-based capital ratio | 19.6738% | 1,793 |
| Total risk-based capital ratio | 20.8888% | 1,773 |
| Memoranda: | ||
| Average total assets | $42,264,000 | 6,533 |
| Average earning assets | $39,379,330 | 6,498 |
| Average equity | $4,935,000 | 6,406 |
| Average total loans | $18,978,000 | 6,600 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3614% | 4,471 |
| Cost of funding earning assets | 0.5321% | 5,600 |
| Net interest margin | 3.8293% | 3,249 |
| Noninterest income to average assets | 0.1748% | 6,328 |
| Noninterest expense to average assets | 1.7091% | 6,888 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9908% | 427 |
| Return on assets (ROA) | 1.9908% | 486 |
| Pretax return on assets | 2.0296% | 700 |
| Return on Equity (ROE) | 16.6514% | 722 |
| Retained earnings to average equity (ytd only) | -15.8392% | 6,988 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7143% | 6,915 |
| Assets per employee ($millions) | 6.0593% | 1,251 |
| Cash dividends to net income (ytd only)* | 195.1220% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6752% | 3,443 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 5,589 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 40.8228% | 6,282 |
| Net loans and leases to deposits | 48.8283% | 6,240 |
| Net loans and leases to core deposits | 50.0636% | 6,339 |
| Total domestic deposits to total assets | 83.6049% | 4,675 |
| Equity capital to assets | 11.3427% | 2,584 |
| Core capital (leverage) ratio | 11.7170% | 1,756 |
| Tier 1 risk-based capital ratio | 20.1885% | 1,661 |
| Total risk-based capital ratio | 21.4396% | 1,634 |
| Memoranda: | ||
| Average total assets | $41,190,500 | 6,639 |
| Average earning assets | $38,336,000 | 6,586 |
| Average equity | $4,924,500 | 6,446 |
| Average total loans | $18,234,500 | 6,698 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7924% | 3,845 |
| Cost of funding earning assets | 0.7221% | 5,391 |
| Net interest margin | 4.0704% | 2,565 |
| Noninterest income to average assets | 0.2182% | 5,959 |
| Noninterest expense to average assets | 2.1250% | 6,439 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.8504% | 425 |
| Return on assets (ROA) | 1.8860% | 423 |
| Pretax return on assets | 1.9224% | 634 |
| Return on Equity (ROE) | 15.7340% | 646 |
| Retained earnings to average equity (ytd only) | 9.2324% | 739 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9793% | 6,616 |
| Assets per employee ($millions) | 5.7094% | 1,431 |
| Cash dividends to net income (ytd only)* | 41.3223% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 3,731 |
| Loan loss allowance to noncurrent loans | 152.0619% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 1.0259% | 4,559 |
| Noncurrent loans to loans | 1.0287% | 4,653 |
| Net loans and leases to total assets | 46.4495% | 5,973 |
| Net loans and leases to deposits | 64.3332% | 4,962 |
| Net loans and leases to core deposits | 65.4676% | 5,326 |
| Total domestic deposits to total assets | 72.2014% | 6,862 |
| Equity capital to assets | 12.6057% | 1,742 |
| Core capital (leverage) ratio | 12.5156% | 1,343 |
| Tier 1 risk-based capital ratio | 19.8809% | 1,672 |
| Total risk-based capital ratio | 21.0759% | 1,649 |
| Memoranda: | ||
| Average total assets | $38,494,000 | 6,726 |
| Average earning assets | $35,869,000 | 6,683 |
| Average equity | $4,614,200 | 6,553 |
| Average total loans | $18,029,600 | 6,750 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8360% | 3,853 |
| Cost of funding earning assets | 0.7610% | 5,393 |
| Net interest margin | 4.0750% | 2,576 |
| Noninterest income to average assets | 0.2098% | 6,113 |
| Noninterest expense to average assets | 1.9514% | 6,780 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.0213% | 328 |
| Return on assets (ROA) | 2.0213% | 355 |
| Pretax return on assets | 2.0598% | 554 |
| Return on Equity (ROE) | 17.0942% | 556 |
| Retained earnings to average equity (ytd only) | 8.2218% | 1,418 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6486% | 6,911 |
| Assets per employee ($millions) | 5.3850% | 1,717 |
| Cash dividends to net income (ytd only)* | 51.9029% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5940% | 3,694 |
| Loan loss allowance to noncurrent loans | 146.7662% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 1.1699% | 4,450 |
| Noncurrent loans to loans | 1.0861% | 4,740 |
| Net loans and leases to total assets | 48.3141% | 5,919 |
| Net loans and leases to deposits | 61.9624% | 5,407 |
| Net loans and leases to core deposits | 63.0348% | 5,712 |
| Total domestic deposits to total assets | 77.9732% | 6,201 |
| Equity capital to assets | 13.0840% | 1,576 |
| Core capital (leverage) ratio | 12.4735% | 1,449 |
| Tier 1 risk-based capital ratio | 20.0118% | 1,680 |
| Total risk-based capital ratio | 21.2520% | 1,657 |
| Memoranda: | ||
| Average total assets | $38,126,000 | 6,790 |
| Average earning assets | $35,566,000 | 6,753 |
| Average equity | $4,508,250 | 6,634 |
| Average total loans | $17,822,250 | 6,830 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8291% | 3,959 |
| Cost of funding earning assets | 0.7908% | 5,442 |
| Net interest margin | 4.0383% | 2,656 |
| Noninterest income to average assets | 0.1881% | 6,321 |
| Noninterest expense to average assets | 1.9023% | 6,945 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.0120% | 338 |
| Return on assets (ROA) | 2.0120% | 353 |
| Pretax return on assets | 2.0486% | 533 |
| Return on Equity (ROE) | 17.6322% | 496 |
| Retained earnings to average equity (ytd only) | 3.8928% | 3,717 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1481% | 7,052 |
| Assets per employee ($millions) | 5.3771% | 1,680 |
| Cash dividends to net income (ytd only)* | 77.9221% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6392% | 3,535 |
| Loan loss allowance to noncurrent loans | 144.6078% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 1.1796% | 4,531 |
| Noncurrent loans to loans | 1.1335% | 4,767 |
| Net loans and leases to total assets | 47.0298% | 6,150 |
| Net loans and leases to deposits | 58.8009% | 5,848 |
| Net loans and leases to core deposits | 59.7940% | 6,105 |
| Total domestic deposits to total assets | 79.9814% | 5,827 |
| Equity capital to assets | 12.3486% | 1,871 |
| Core capital (leverage) ratio | 12.2433% | 1,483 |
| Tier 1 risk-based capital ratio | 19.5588% | 1,702 |
| Total risk-based capital ratio | 20.8096% | 1,676 |
| Memoranda: | ||
| Average total assets | $38,269,670 | 6,853 |
| Average earning assets | $35,658,670 | 6,811 |
| Average equity | $4,367,000 | 6,725 |
| Average total loans | $17,594,000 | 6,911 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7293% | 4,375 |
| Cost of funding earning assets | 0.8287% | 5,404 |
| Net interest margin | 3.9006% | 3,136 |
| Noninterest income to average assets | 0.1866% | 6,386 |
| Noninterest expense to average assets | 1.7831% | 7,161 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.0215% | 343 |
| Return on assets (ROA) | 2.0215% | 360 |
| Pretax return on assets | 2.0630% | 499 |
| Return on Equity (ROE) | 18.4550% | 443 |
| Retained earnings to average equity (ytd only) | -9.9373% | 6,868 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3612% | 7,191 |
| Assets per employee ($millions) | 5.3181% | 1,751 |
| Cash dividends to net income (ytd only)* | 153.8462% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7280% | 3,248 |
| Loan loss allowance to noncurrent loans | 142.5121% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 1.2007% | 4,552 |
| Noncurrent loans to loans | 1.2125% | 4,660 |
| Net loans and leases to total assets | 45.0668% | 6,376 |
| Net loans and leases to deposits | 56.7231% | 6,058 |
| Net loans and leases to core deposits | 59.5182% | 6,137 |
| Total domestic deposits to total assets | 79.4504% | 6,071 |
| Equity capital to assets | 11.2660% | 2,439 |
| Core capital (leverage) ratio | 11.5613% | 1,812 |
| Tier 1 risk-based capital ratio | 19.4317% | 1,712 |
| Total risk-based capital ratio | 20.6837% | 1,678 |
| Memoranda: | ||
| Average total assets | $38,584,500 | 6,885 |
| Average earning assets | $36,200,000 | 6,838 |
| Average equity | $4,226,500 | 6,799 |
| Average total loans | $17,392,500 | 6,974 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1182% | 4,014 |
| Cost of funding earning assets | 1.2227% | 4,406 |
| Net interest margin | 3.8955% | 3,512 |
| Noninterest income to average assets | 0.2148% | 6,275 |
| Noninterest expense to average assets | 2.0358% | 6,967 |
| Loan and lease loss provision to assets | 0.2046% | 5,195 |
| Net operating income to assets | 1.5755% | 650 |
| Return on assets (ROA) | 1.5755% | 712 |
| Pretax return on assets | 1.6087% | 1,106 |
| Return on Equity (ROE) | 14.2804% | 833 |
| Retained earnings to average equity (ytd only) | 7.9052% | 1,010 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8904% | 6,904 |
| Assets per employee ($millions) | 5.7060% | 1,414 |
| Cash dividends to net income (ytd only)* | 44.6429% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6654% | 3,341 |
| Loan loss allowance to noncurrent loans | 137.8505% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 1.1366% | 4,739 |
| Noncurrent loans to loans | 1.2082% | 4,712 |
| Net loans and leases to total assets | 43.6082% | 6,744 |
| Net loans and leases to deposits | 65.8376% | 5,426 |
| Net loans and leases to core deposits | 71.1985% | 5,308 |
| Total domestic deposits to total assets | 66.2360% | 7,383 |
| Equity capital to assets | 10.6630% | 3,005 |
| Core capital (leverage) ratio | 11.3710% | 1,912 |
| Tier 1 risk-based capital ratio | 18.9058% | 1,742 |
| Total risk-based capital ratio | 20.1502% | 1,714 |
| Memoranda: | ||
| Average total assets | $39,099,400 | 6,899 |
| Average earning assets | $36,477,600 | 6,860 |
| Average equity | $4,313,600 | 6,886 |
| Average total loans | $16,389,400 | 7,097 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1921% | 3,869 |
| Cost of funding earning assets | 1.2989% | 4,225 |
| Net interest margin | 3.8932% | 3,557 |
| Noninterest income to average assets | 0.2263% | 6,280 |
| Noninterest expense to average assets | 1.9405% | 7,150 |
| Loan and lease loss provision to assets | 0.2400% | 4,681 |
| Net operating income to assets | 1.6354% | 692 |
| Return on assets (ROA) | 1.6354% | 757 |
| Pretax return on assets | 1.6731% | 1,163 |
| Return on Equity (ROE) | 14.6971% | 913 |
| Retained earnings to average equity (ytd only) | 6.2240% | 2,248 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3559% | 7,124 |
| Assets per employee ($millions) | 5.5967% | 1,541 |
| Cash dividends to net income (ytd only)* | 57.6528% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8085% | 2,759 |
| Loan loss allowance to noncurrent loans | 129.5455% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 1.1742% | 4,778 |
| Noncurrent loans to loans | 1.3960% | 4,523 |
| Net loans and leases to total assets | 39.4977% | 7,103 |
| Net loans and leases to deposits | 55.6899% | 6,635 |
| Net loans and leases to core deposits | 59.9698% | 6,600 |
| Total domestic deposits to total assets | 70.9243% | 7,223 |
| Equity capital to assets | 11.6701% | 2,382 |
| Core capital (leverage) ratio | 11.4712% | 1,957 |
| Tier 1 risk-based capital ratio | 20.1653% | 1,516 |
| Total risk-based capital ratio | 21.4143% | 1,483 |
| Memoranda: | ||
| Average total assets | $38,888,750 | 6,986 |
| Average earning assets | $36,233,500 | 6,949 |
| Average equity | $4,327,250 | 6,971 |
| Average total loans | $16,058,500 | 7,207 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2878% | 3,523 |
| Cost of funding earning assets | 1.3939% | 3,914 |
| Net interest margin | 3.8939% | 3,475 |
| Noninterest income to average assets | 0.1908% | 6,537 |
| Noninterest expense to average assets | 1.8509% | 7,333 |
| Loan and lease loss provision to assets | 0.2062% | 4,812 |
| Net operating income to assets | 1.7271% | 556 |
| Return on assets (ROA) | 1.7271% | 607 |
| Pretax return on assets | 1.7632% | 942 |
| Return on Equity (ROE) | 15.7808% | 725 |
| Retained earnings to average equity (ytd only) | 2.8264% | 4,345 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4480% | 7,316 |
| Assets per employee ($millions) | 5.4694% | 1,653 |
| Cash dividends to net income (ytd only)* | 82.0896% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6357% | 3,305 |
| Loan loss allowance to noncurrent loans | 111.8421% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 1.2224% | 4,692 |
| Noncurrent loans to loans | 1.4625% | 4,517 |
| Net loans and leases to total assets | 40.0538% | 7,163 |
| Net loans and leases to deposits | 54.7366% | 6,813 |
| Net loans and leases to core deposits | 60.4335% | 6,678 |
| Total domestic deposits to total assets | 73.1756% | 7,075 |
| Equity capital to assets | 11.5212% | 2,429 |
| Core capital (leverage) ratio | 11.0596% | 2,196 |
| Tier 1 risk-based capital ratio | 19.7982% | 1,545 |
| Total risk-based capital ratio | 21.0003% | 1,528 |
| Memoranda: | ||
| Average total assets | $38,792,670 | 7,037 |
| Average earning assets | $36,158,670 | 6,996 |
| Average equity | $4,245,670 | 7,031 |
| Average total loans | $16,158,330 | 7,256 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3563% | 3,265 |
| Cost of funding earning assets | 1.4459% | 3,903 |
| Net interest margin | 3.9104% | 3,282 |
| Noninterest income to average assets | 0.1844% | 6,636 |
| Noninterest expense to average assets | 1.8542% | 7,407 |
| Loan and lease loss provision to assets | 0.1024% | 5,606 |
| Net operating income to assets | 1.8542% | 442 |
| Return on assets (ROA) | 1.8542% | 486 |
| Pretax return on assets | 1.8850% | 755 |
| Return on Equity (ROE) | 17.3913% | 571 |
| Retained earnings to average equity (ytd only) | -9.0319% | 6,898 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2667% | 7,421 |
| Assets per employee ($millions) | 5.4327% | 1,736 |
| Cash dividends to net income (ytd only)* | 151.9337% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 4,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6311% | 5,943 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 41.0397% | 7,178 |
| Net loans and leases to deposits | 56.8747% | 6,710 |
| Net loans and leases to core deposits | 61.6609% | 6,625 |
| Total domestic deposits to total assets | 72.1581% | 7,250 |
| Equity capital to assets | 10.7944% | 2,962 |
| Core capital (leverage) ratio | 10.3066% | 2,803 |
| Tier 1 risk-based capital ratio | 19.0268% | 1,715 |
| Total risk-based capital ratio | 20.0846% | 1,725 |
| Memoranda: | ||
| Average total assets | $39,046,000 | 7,113 |
| Average earning assets | $36,518,000 | 7,078 |
| Average equity | $4,163,000 | 7,123 |
| Average total loans | $16,442,500 | 7,337 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4627% | 4,368 |
| Cost of funding earning assets | 1.7980% | 4,003 |
| Net interest margin | 3.6647% | 4,284 |
| Noninterest income to average assets | 0.1953% | 6,702 |
| Noninterest expense to average assets | 1.8537% | 7,564 |
| Loan and lease loss provision to assets | 0.5858% | 3,448 |
| Net operating income to assets | 1.1976% | 1,252 |
| Return on assets (ROA) | 1.1976% | 1,304 |
| Pretax return on assets | 1.2315% | 1,865 |
| Return on Equity (ROE) | 11.1521% | 1,387 |
| Retained earnings to average equity (ytd only) | 5.0912% | 1,774 |
| Net charge-offs to loans | 0.9116% | 2,567 |
| Credit loss provision to net charge-offs | 153.0612% | 2,992 |
| Earnings coverage of net charge-offs (x) | 4.7483% | 2,831 |
| Efficiency ratio | 50.4965% | 7,511 |
| Assets per employee ($millions) | 5.7233% | 1,440 |
| Cash dividends to net income (ytd only)* | 54.3478% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 4,985 |
| Loan loss allowance to noncurrent loans | 89.5833% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.5991% | 5,961 |
| Noncurrent loans to loans | 1.4074% | 4,579 |
| Net loans and leases to total assets | 42.0288% | 7,248 |
| Net loans and leases to deposits | 61.5267% | 6,515 |
| Net loans and leases to core deposits | 73.1546% | 6,586 |
| Total domestic deposits to total assets | 68.3099% | 7,524 |
| Equity capital to assets | 10.5359% | 3,145 |
| Core capital (leverage) ratio | 10.5927% | 2,508 |
| Tier 1 risk-based capital ratio | 18.4421% | 1,766 |
| Total risk-based capital ratio | 19.3997% | 1,808 |
| Memoranda: | ||
| Average total assets | $38,409,000 | 7,158 |
| Average earning assets | $36,428,800 | 7,077 |
| Average equity | $4,124,800 | 7,242 |
| Average total loans | $16,125,600 | 7,399 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4534% | 4,671 |
| Cost of funding earning assets | 1.8744% | 4,019 |
| Net interest margin | 3.5790% | 4,558 |
| Noninterest income to average assets | 0.1965% | 6,809 |
| Noninterest expense to average assets | 1.8177% | 7,644 |
| Loan and lease loss provision to assets | 0.2456% | 4,995 |
| Net operating income to assets | 1.5054% | 799 |
| Return on assets (ROA) | 1.5054% | 859 |
| Pretax return on assets | 1.5370% | 1,310 |
| Return on Equity (ROE) | 13.9484% | 945 |
| Retained earnings to average equity (ytd only) | 5.8199% | 2,031 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4873% | 7,523 |
| Assets per employee ($millions) | 5.6624% | 1,465 |
| Cash dividends to net income (ytd only)* | 58.2755% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 4,788 |
| Loan loss allowance to noncurrent loans | 53.4884% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 0.9764% | 5,105 |
| Noncurrent loans to loans | 2.3474% | 3,209 |
| Net loans and leases to total assets | 41.0702% | 7,406 |
| Net loans and leases to deposits | 59.3496% | 6,877 |
| Net loans and leases to core deposits | 73.2727% | 6,768 |
| Total domestic deposits to total assets | 69.2005% | 7,484 |
| Equity capital to assets | 10.7601% | 3,237 |
| Core capital (leverage) ratio | 10.5548% | 2,751 |
| Tier 1 risk-based capital ratio | 18.8374% | 1,785 |
| Total risk-based capital ratio | 19.7864% | 1,806 |
| Memoranda: | ||
| Average total assets | $37,995,500 | 7,233 |
| Average earning assets | $36,135,750 | 7,158 |
| Average equity | $4,100,750 | 7,321 |
| Average total loans | $15,893,750 | 7,478 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4354% | 4,965 |
| Cost of funding earning assets | 1.9505% | 4,001 |
| Net interest margin | 3.4850% | 4,866 |
| Noninterest income to average assets | 0.1816% | 7,000 |
| Noninterest expense to average assets | 1.8372% | 7,700 |
| Loan and lease loss provision to assets | 0.2136% | 4,912 |
| Net operating income to assets | 1.4099% | 1,009 |
| Return on assets (ROA) | 1.4099% | 1,074 |
| Pretax return on assets | 1.4420% | 1,617 |
| Return on Equity (ROE) | 13.0499% | 1,175 |
| Retained earnings to average equity (ytd only) | 0.6920% | 4,916 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5994% | 7,469 |
| Assets per employee ($millions) | 5.3020% | 1,774 |
| Cash dividends to net income (ytd only)* | 94.6970% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 5,636 |
| Loan loss allowance to noncurrent loans | 45.6186% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 1.0454% | 4,878 |
| Noncurrent loans to loans | 2.4011% | 3,010 |
| Net loans and leases to total assets | 43.0619% | 7,391 |
| Net loans and leases to deposits | 57.8136% | 7,040 |
| Net loans and leases to core deposits | 70.2598% | 7,005 |
| Total domestic deposits to total assets | 74.4840% | 6,870 |
| Equity capital to assets | 10.9366% | 2,978 |
| Core capital (leverage) ratio | 10.7467% | 2,609 |
| Tier 1 risk-based capital ratio | 18.8530% | 1,807 |
| Total risk-based capital ratio | 19.6989% | 1,840 |
| Memoranda: | ||
| Average total assets | $37,448,330 | 7,315 |
| Average earning assets | $35,581,330 | 7,239 |
| Average equity | $4,046,000 | 7,394 |
| Average total loans | $15,696,330 | 7,553 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4778% | 5,028 |
| Cost of funding earning assets | 2.0429% | 3,907 |
| Net interest margin | 3.4348% | 4,995 |
| Noninterest income to average assets | 0.1170% | 7,443 |
| Noninterest expense to average assets | 1.6802% | 7,843 |
| Loan and lease loss provision to assets | 0.1063% | 5,606 |
| Net operating income to assets | 1.5526% | 852 |
| Return on assets (ROA) | 1.5526% | 928 |
| Pretax return on assets | 1.5845% | 1,446 |
| Return on Equity (ROE) | 14.4572% | 1,077 |
| Retained earnings to average equity (ytd only) | -10.2983% | 7,137 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8423% | 7,601 |
| Assets per employee ($millions) | 5.2173% | 1,834 |
| Cash dividends to net income (ytd only)* | 171.2329% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 6,534 |
| Loan loss allowance to noncurrent loans | 37.6923% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 1.0679% | 4,554 |
| Noncurrent loans to loans | 2.5048% | 2,629 |
| Net loans and leases to total assets | 42.2305% | 7,453 |
| Net loans and leases to deposits | 56.4325% | 7,139 |
| Net loans and leases to core deposits | 67.3552% | 7,174 |
| Total domestic deposits to total assets | 74.8337% | 6,739 |
| Equity capital to assets | 10.7637% | 3,219 |
| Core capital (leverage) ratio | 10.3223% | 3,089 |
| Tier 1 risk-based capital ratio | 17.5817% | 2,161 |
| Total risk-based capital ratio | 18.2570% | 2,268 |
| Memoranda: | ||
| Average total assets | $37,615,500 | 7,348 |
| Average earning assets | $35,635,000 | 7,276 |
| Average equity | $4,039,500 | 7,439 |
| Average total loans | $15,465,000 | 7,609 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8413% | 6,293 |
| Cost of funding earning assets | 2.7189% | 3,071 |
| Net interest margin | 3.1224% | 6,587 |
| Noninterest income to average assets | 0.1808% | 7,149 |
| Noninterest expense to average assets | 1.8750% | 7,656 |
| Loan and lease loss provision to assets | 0.3895% | 3,352 |
| Net operating income to assets | 0.8361% | 3,282 |
| Return on assets (ROA) | 0.9764% | 2,536 |
| Pretax return on assets | 1.0098% | 3,347 |
| Return on Equity (ROE) | 8.8280% | 2,703 |
| Retained earnings to average equity (ytd only) | 2.5402% | 3,624 |
| Net charge-offs to loans | 1.3409% | 877 |
| Credit loss provision to net charge-offs | 67.3077% | 6,118 |
| Earnings coverage of net charge-offs (x) | 2.1683% | 4,990 |
| Efficiency ratio | 59.9111% | 6,358 |
| Assets per employee ($millions) | 5.5300% | 1,438 |
| Cash dividends to net income (ytd only)* | 71.2251% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8919% | 6,721 |
| Loan loss allowance to noncurrent loans | 35.4005% | 6,384 |
| Noncurrent assets plus other real estate owned to assets | 0.9997% | 4,332 |
| Noncurrent loans to loans | 2.5195% | 2,159 |
| Net loans and leases to total assets | 39.3258% | 7,702 |
| Net loans and leases to deposits | 59.0680% | 7,145 |
| Net loans and leases to core deposits | 74.2694% | 6,957 |
| Total domestic deposits to total assets | 66.5771% | 7,613 |
| Equity capital to assets | 10.7156% | 3,284 |
| Core capital (leverage) ratio | 10.3537% | 3,115 |
| Tier 1 risk-based capital ratio | 18.9263% | 1,828 |
| Total risk-based capital ratio | 19.5859% | 1,900 |
| Memoranda: | ||
| Average total assets | $35,947,600 | 7,387 |
| Average earning assets | $33,947,800 | 7,323 |
| Average equity | $3,976,000 | 7,519 |
| Average total loans | $15,511,600 | 7,618 |