Home > Laurens State Bank > Performance and Condition Ratios
Laurens State Bank, Performance and Condition Ratios
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6461% | 4,507 |
| Cost of funding earning assets | 0.1983% | 3,770 |
| Net interest margin | 2.4478% | 4,371 |
| Noninterest income to average assets | 0.2108% | 4,143 |
| Noninterest expense to average assets | 2.6477% | 1,736 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.1634% | 4,824 |
| Return on assets (ROA) | -0.1042% | 4,811 |
| Pretax return on assets | -0.0971% | 4,803 |
| Return on Equity (ROE) | -1.0608% | 4,822 |
| Retained earnings to average equity (ytd only) | -12.8742% | 4,890 |
| Net charge-offs to loans | -0.0078% | 3,580 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2738% | 115 |
| Assets per employee ($millions) | 6.2922% | 2,341 |
| Cash dividends to net income (ytd only)* | -1,113.6364% | 4,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 2,040 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 27.8121% | 4,705 |
| Net loans and leases to deposits | 30.9789% | 4,740 |
| Net loans and leases to core deposits | 32.0207% | 4,746 |
| Total domestic deposits to total assets | 89.7776% | 883 |
| Equity capital to assets | 9.0077% | 3,787 |
| Core capital (leverage) ratio | 9.0464% | 3,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,451,333 | 4,239 |
| Average earning assets | $78,681,333 | 4,224 |
| Average equity | $8,295,667 | 4,393 |
| Average total loans | $25,607,000 | 4,554 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0202% | 4,032 |
| Cost of funding earning assets | 0.2099% | 3,831 |
| Net interest margin | 2.8103% | 3,734 |
| Noninterest income to average assets | 0.2033% | 4,167 |
| Noninterest expense to average assets | 1.5248% | 4,626 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2743% | 1,908 |
| Return on assets (ROA) | 1.3893% | 1,678 |
| Pretax return on assets | 1.4571% | 2,117 |
| Return on Equity (ROE) | 13.5441% | 1,526 |
| Retained earnings to average equity (ytd only) | -4.7664% | 4,689 |
| Net charge-offs to loans | -0.0154% | 3,870 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2995% | 3,879 |
| Assets per employee ($millions) | 6.1641% | 2,443 |
| Cash dividends to net income (ytd only)* | 135.1916% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 2,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 28.3532% | 4,740 |
| Net loans and leases to deposits | 31.6328% | 4,770 |
| Net loans and leases to core deposits | 32.5040% | 4,783 |
| Total domestic deposits to total assets | 89.6323% | 1,005 |
| Equity capital to assets | 9.5403% | 3,156 |
| Core capital (leverage) ratio | 10.3480% | 2,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,631,500 | 4,273 |
| Average earning assets | $78,141,000 | 4,248 |
| Average equity | $8,476,000 | 4,390 |
| Average total loans | $25,988,500 | 4,574 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0074% | 4,622 |
| Cost of funding earning assets | 0.3874% | 3,660 |
| Net interest margin | 2.6201% | 4,475 |
| Noninterest income to average assets | 0.2570% | 3,941 |
| Noninterest expense to average assets | 1.7666% | 4,524 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9049% | 2,673 |
| Return on assets (ROA) | 0.9180% | 2,752 |
| Pretax return on assets | 0.9602% | 3,178 |
| Return on Equity (ROE) | 7.8343% | 2,875 |
| Retained earnings to average equity (ytd only) | 0.2669% | 4,438 |
| Net charge-offs to loans | 0.0146% | 2,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 174.0000% | 513 |
| Efficiency ratio | 65.1128% | 2,659 |
| Assets per employee ($millions) | 5.6404% | 2,699 |
| Cash dividends to net income (ytd only)* | 96.5926% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 2,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 33.9665% | 4,649 |
| Net loans and leases to deposits | 38.5884% | 4,688 |
| Net loans and leases to core deposits | 39.9702% | 4,698 |
| Total domestic deposits to total assets | 88.0227% | 1,460 |
| Equity capital to assets | 11.0415% | 2,219 |
| Core capital (leverage) ratio | 11.0115% | 1,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,529,600 | 4,333 |
| Average earning assets | $68,929,400 | 4,314 |
| Average equity | $8,616,000 | 4,359 |
| Average total loans | $27,328,600 | 4,570 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1659% | 4,618 |
| Cost of funding earning assets | 0.4258% | 3,663 |
| Net interest margin | 2.7401% | 4,415 |
| Noninterest income to average assets | 0.2586% | 3,930 |
| Noninterest expense to average assets | 1.7569% | 4,556 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0224% | 2,247 |
| Return on assets (ROA) | 1.0401% | 2,312 |
| Pretax return on assets | 1.0881% | 2,788 |
| Return on Equity (ROE) | 8.7384% | 2,508 |
| Retained earnings to average equity (ytd only) | -1.3814% | 4,650 |
| Net charge-offs to loans | 0.0195% | 2,467 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 144.7500% | 623 |
| Efficiency ratio | 62.1569% | 3,047 |
| Assets per employee ($millions) | 5.3236% | 2,865 |
| Cash dividends to net income (ytd only)* | 115.8082% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 2,372 |
| 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 | 36.1774% | 4,674 |
| Net loans and leases to deposits | 41.4000% | 4,709 |
| Net loans and leases to core deposits | 42.9861% | 4,731 |
| Total domestic deposits to total assets | 87.3849% | 1,505 |
| Equity capital to assets | 11.5725% | 1,948 |
| Core capital (leverage) ratio | 11.5438% | 1,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,170,500 | 4,362 |
| Average earning assets | $67,634,750 | 4,338 |
| Average equity | $8,590,250 | 4,379 |
| Average total loans | $27,369,500 | 4,597 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3391% | 4,603 |
| Cost of funding earning assets | 0.4608% | 3,739 |
| Net interest margin | 2.8783% | 4,344 |
| Noninterest income to average assets | 0.2662% | 3,879 |
| Noninterest expense to average assets | 1.8071% | 4,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1025% | 1,956 |
| Return on assets (ROA) | 1.1291% | 1,997 |
| Pretax return on assets | 1.1823% | 2,420 |
| Return on Equity (ROE) | 9.3954% | 2,202 |
| Retained earnings to average equity (ytd only) | -4.0333% | 4,730 |
| Net charge-offs to loans | 0.0365% | 2,005 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 82.4000% | 787 |
| Efficiency ratio | 61.0218% | 3,272 |
| Assets per employee ($millions) | 5.1423% | 3,006 |
| Cash dividends to net income (ytd only)* | 142.9280% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 2,270 |
| 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 | 37.6028% | 4,682 |
| Net loans and leases to deposits | 43.2113% | 4,717 |
| Net loans and leases to core deposits | 44.9595% | 4,736 |
| Total domestic deposits to total assets | 87.0208% | 1,605 |
| Equity capital to assets | 11.9083% | 1,722 |
| Core capital (leverage) ratio | 11.6628% | 1,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,384,000 | 4,382 |
| Average earning assets | $66,844,000 | 4,360 |
| Average equity | $8,578,667 | 4,397 |
| Average total loans | $27,390,667 | 4,611 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3422% | 4,782 |
| Cost of funding earning assets | 0.4878% | 3,998 |
| Net interest margin | 2.8545% | 4,498 |
| Noninterest income to average assets | 0.3095% | 3,660 |
| Noninterest expense to average assets | 1.7558% | 4,718 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1671% | 1,631 |
| Return on assets (ROA) | 1.2212% | 1,559 |
| Pretax return on assets | 1.2774% | 1,939 |
| Return on Equity (ROE) | 10.1148% | 1,707 |
| Retained earnings to average equity (ytd only) | -9.1825% | 4,734 |
| Net charge-offs to loans | 0.0730% | 1,292 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 43.4000% | 986 |
| Efficiency ratio | 58.9792% | 3,877 |
| Assets per employee ($millions) | 5.0137% | 2,630 |
| Cash dividends to net income (ytd only)* | 190.7834% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 2,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 37.7878% | 4,733 |
| Net loans and leases to deposits | 43.5784% | 4,771 |
| Net loans and leases to core deposits | 45.2342% | 4,791 |
| Total domestic deposits to total assets | 86.7122% | 1,686 |
| Equity capital to assets | 12.2136% | 1,910 |
| Core capital (leverage) ratio | 11.9185% | 1,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,080,000 | 4,393 |
| Average earning assets | $66,422,500 | 4,378 |
| Average equity | $8,581,500 | 4,411 |
| Average total loans | $27,379,500 | 4,648 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6165% | 4,765 |
| Cost of funding earning assets | 0.5162% | 4,014 |
| Net interest margin | 3.1003% | 4,364 |
| Noninterest income to average assets | 0.3549% | 3,581 |
| Noninterest expense to average assets | 1.9356% | 4,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2419% | 1,896 |
| Return on assets (ROA) | 1.3536% | 1,574 |
| Pretax return on assets | 1.4096% | 2,122 |
| Return on Equity (ROE) | 11.5674% | 1,663 |
| Retained earnings to average equity (ytd only) | 3.4874% | 3,264 |
| Net charge-offs to loans | 0.0175% | 3,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 180.0000% | 427 |
| Efficiency ratio | 59.9466% | 3,707 |
| Assets per employee ($millions) | 5.1406% | 2,408 |
| Cash dividends to net income (ytd only)* | 69.8514% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 2,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 38.2753% | 4,790 |
| Net loans and leases to deposits | 43.9632% | 4,827 |
| Net loans and leases to core deposits | 45.5841% | 4,842 |
| Total domestic deposits to total assets | 87.0623% | 1,574 |
| Equity capital to assets | 11.9359% | 2,175 |
| Core capital (leverage) ratio | 12.0027% | 1,779 |
| Tier 1 risk-based capital ratio | 24.9276% | 756 |
| Total risk-based capital ratio | 25.9422% | 754 |
| Memoranda: | ||
| Average total assets | $69,592,000 | 4,438 |
| Average earning assets | $64,509,800 | 4,430 |
| Average equity | $8,143,600 | 4,489 |
| Average total loans | $28,606,200 | 4,670 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6576% | 4,828 |
| Cost of funding earning assets | 0.5157% | 4,082 |
| Net interest margin | 3.1419% | 4,412 |
| Noninterest income to average assets | 0.3092% | 3,896 |
| Noninterest expense to average assets | 1.9575% | 4,631 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2040% | 2,179 |
| Return on assets (ROA) | 1.2077% | 2,247 |
| Pretax return on assets | 1.2638% | 2,775 |
| Return on Equity (ROE) | 10.3749% | 2,260 |
| Retained earnings to average equity (ytd only) | -0.5478% | 4,815 |
| Net charge-offs to loans | 0.0139% | 2,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 217.3275% | 418 |
| Efficiency ratio | 60.8408% | 3,499 |
| Assets per employee ($millions) | 4.8698% | 2,709 |
| Cash dividends to net income (ytd only)* | 105.2801% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 2,287 |
| Loan loss allowance to noncurrent loans | 34,900.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,773 |
| Noncurrent loans to loans | 0.0036% | 4,675 |
| Net loans and leases to total assets | 40.7689% | 4,789 |
| Net loans and leases to deposits | 46.9851% | 4,843 |
| Net loans and leases to core deposits | 49.1052% | 4,859 |
| Total domestic deposits to total assets | 86.7697% | 1,640 |
| Equity capital to assets | 12.1331% | 2,160 |
| Core capital (leverage) ratio | 12.2096% | 1,725 |
| Tier 1 risk-based capital ratio | 24.6243% | 796 |
| Total risk-based capital ratio | 25.6712% | 796 |
| Memoranda: | ||
| Average total assets | $68,998,000 | 4,497 |
| Average earning assets | $63,866,000 | 4,492 |
| Average equity | $8,032,000 | 4,552 |
| Average total loans | $28,784,500 | 4,732 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6374% | 4,899 |
| Cost of funding earning assets | 0.5045% | 4,101 |
| Net interest margin | 3.1329% | 4,479 |
| Noninterest income to average assets | 0.3089% | 3,860 |
| Noninterest expense to average assets | 1.9171% | 4,727 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2475% | 1,969 |
| Return on assets (ROA) | 1.2530% | 2,001 |
| Pretax return on assets | 1.3021% | 2,553 |
| Return on Equity (ROE) | 10.9155% | 2,014 |
| Retained earnings to average equity (ytd only) | -3.4205% | 4,988 |
| Net charge-offs to loans | 0.0207% | 2,444 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 149.6667% | 499 |
| Efficiency ratio | 59.6586% | 3,783 |
| Assets per employee ($millions) | 4.8626% | 2,646 |
| Cash dividends to net income (ytd only)* | 131.3364% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 2,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 41.0189% | 4,821 |
| Net loans and leases to deposits | 47.1617% | 4,872 |
| Net loans and leases to core deposits | 48.7636% | 4,892 |
| Total domestic deposits to total assets | 86.9749% | 1,604 |
| Equity capital to assets | 11.9587% | 2,216 |
| Core capital (leverage) ratio | 12.0031% | 1,829 |
| Tier 1 risk-based capital ratio | 24.1080% | 839 |
| Total risk-based capital ratio | 25.1457% | 837 |
| Memoranda: | ||
| Average total assets | $69,271,670 | 4,532 |
| Average earning assets | $64,222,330 | 4,520 |
| Average equity | $7,952,000 | 4,585 |
| Average total loans | $28,998,000 | 4,763 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6169% | 4,950 |
| Cost of funding earning assets | 0.4868% | 4,117 |
| Net interest margin | 3.1301% | 4,534 |
| Noninterest income to average assets | 0.3091% | 3,804 |
| Noninterest expense to average assets | 2.0037% | 4,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1677% | 2,186 |
| Return on assets (ROA) | 1.1622% | 2,256 |
| Pretax return on assets | 1.2080% | 2,775 |
| Return on Equity (ROE) | 10.3341% | 2,225 |
| Retained earnings to average equity (ytd only) | -9.4178% | 5,085 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2776% | 3,491 |
| Assets per employee ($millions) | 4.9103% | 2,630 |
| Cash dividends to net income (ytd only)* | 191.1330% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 2,400 |
| Loan loss allowance to noncurrent loans | 11,733.3333% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,862 |
| Noncurrent loans to loans | 0.0105% | 4,739 |
| Net loans and leases to total assets | 40.9330% | 4,865 |
| Net loans and leases to deposits | 46.7798% | 4,907 |
| Net loans and leases to core deposits | 47.7523% | 4,939 |
| Total domestic deposits to total assets | 87.5015% | 1,569 |
| Equity capital to assets | 11.5035% | 2,395 |
| Core capital (leverage) ratio | 11.5917% | 2,062 |
| Tier 1 risk-based capital ratio | 23.6598% | 869 |
| Total risk-based capital ratio | 24.6932% | 866 |
| Memoranda: | ||
| Average total assets | $69,869,500 | 4,573 |
| Average earning assets | $64,918,000 | 4,562 |
| Average equity | $7,857,500 | 4,632 |
| Average total loans | $29,360,500 | 4,801 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6450% | 4,749 |
| Cost of funding earning assets | 0.4230% | 3,834 |
| Net interest margin | 3.2219% | 4,440 |
| Noninterest income to average assets | 0.3492% | 3,772 |
| Noninterest expense to average assets | 1.9218% | 4,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3748% | 1,513 |
| Return on assets (ROA) | 1.3748% | 1,507 |
| Pretax return on assets | 1.4301% | 2,031 |
| Return on Equity (ROE) | 12.8018% | 1,424 |
| Retained earnings to average equity (ytd only) | 4.4027% | 3,113 |
| Net charge-offs to loans | 0.0034% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 983.0000% | 110 |
| Efficiency ratio | 57.3351% | 4,237 |
| Assets per employee ($millions) | 5.0711% | 2,408 |
| Cash dividends to net income (ytd only)* | 65.6085% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 2,749 |
| 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 | 42.0847% | 4,879 |
| Net loans and leases to deposits | 47.8002% | 4,937 |
| Net loans and leases to core deposits | 48.7557% | 4,972 |
| Total domestic deposits to total assets | 88.0428% | 1,280 |
| Equity capital to assets | 10.9965% | 2,690 |
| Core capital (leverage) ratio | 11.7698% | 1,898 |
| Tier 1 risk-based capital ratio | 22.4849% | 971 |
| Total risk-based capital ratio | 23.4449% | 982 |
| Memoranda: | ||
| Average total assets | $68,737,400 | 4,603 |
| Average earning assets | $64,061,000 | 4,590 |
| Average equity | $7,381,800 | 4,693 |
| Average total loans | $29,648,600 | 4,825 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6049% | 4,795 |
| Cost of funding earning assets | 0.4092% | 3,795 |
| Net interest margin | 3.1957% | 4,519 |
| Noninterest income to average assets | 0.3735% | 3,643 |
| Noninterest expense to average assets | 1.9440% | 4,830 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3690% | 1,592 |
| Return on assets (ROA) | 1.3690% | 1,594 |
| Pretax return on assets | 1.4082% | 2,196 |
| Return on Equity (ROE) | 12.8281% | 1,492 |
| Retained earnings to average equity (ytd only) | 1.4660% | 4,737 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9930% | 4,124 |
| Assets per employee ($millions) | 4.7786% | 2,753 |
| Cash dividends to net income (ytd only)* | 88.5719% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 2,862 |
| 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 | 45.0576% | 4,839 |
| Net loans and leases to deposits | 51.0275% | 4,917 |
| Net loans and leases to core deposits | 52.1081% | 4,970 |
| Total domestic deposits to total assets | 88.3006% | 1,120 |
| Equity capital to assets | 10.6964% | 2,934 |
| Core capital (leverage) ratio | 11.8757% | 1,857 |
| Tier 1 risk-based capital ratio | 22.4263% | 999 |
| Total risk-based capital ratio | 23.4159% | 1,011 |
| Memoranda: | ||
| Average total assets | $68,173,000 | 4,657 |
| Average earning assets | $63,542,000 | 4,643 |
| Average equity | $7,275,500 | 4,759 |
| Average total loans | $29,503,250 | 4,887 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5452% | 4,857 |
| Cost of funding earning assets | 0.3950% | 3,759 |
| Net interest margin | 3.1503% | 4,617 |
| Noninterest income to average assets | 0.3586% | 3,755 |
| Noninterest expense to average assets | 1.9214% | 4,930 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3149% | 1,714 |
| Return on assets (ROA) | 1.3149% | 1,714 |
| Pretax return on assets | 1.3674% | 2,263 |
| Return on Equity (ROE) | 12.3303% | 1,609 |
| Retained earnings to average equity (ytd only) | -2.5699% | 5,192 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4220% | 4,168 |
| Assets per employee ($millions) | 4.9086% | 2,547 |
| Cash dividends to net income (ytd only)* | 120.8426% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 2,698 |
| 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 | 42.2104% | 4,978 |
| Net loans and leases to deposits | 47.5844% | 5,042 |
| Net loans and leases to core deposits | 48.0312% | 5,096 |
| Total domestic deposits to total assets | 88.7063% | 1,055 |
| Equity capital to assets | 10.3551% | 3,272 |
| Core capital (leverage) ratio | 11.3382% | 2,217 |
| Tier 1 risk-based capital ratio | 22.6952% | 960 |
| Total risk-based capital ratio | 23.7189% | 967 |
| Memoranda: | ||
| Average total assets | $68,597,000 | 4,701 |
| Average earning assets | $63,804,330 | 4,695 |
| Average equity | $7,315,330 | 4,799 |
| Average total loans | $29,172,000 | 4,943 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4253% | 4,983 |
| Cost of funding earning assets | 0.3701% | 3,830 |
| Net interest margin | 3.0552% | 4,787 |
| Noninterest income to average assets | 0.3735% | 3,642 |
| Noninterest expense to average assets | 1.9610% | 4,923 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2081% | 1,969 |
| Return on assets (ROA) | 1.2081% | 1,977 |
| Pretax return on assets | 1.2548% | 2,536 |
| Return on Equity (ROE) | 11.1666% | 1,900 |
| Retained earnings to average equity (ytd only) | -10.1416% | 5,375 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9800% | 3,948 |
| Assets per employee ($millions) | 4.5965% | 3,004 |
| Cash dividends to net income (ytd only)* | 190.8213% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,540 |
| Loan loss allowance to noncurrent loans | 235.3333% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 4,009 |
| Noncurrent loans to loans | 0.5295% | 2,936 |
| Net loans and leases to total assets | 40.5784% | 5,044 |
| Net loans and leases to deposits | 45.7620% | 5,104 |
| Net loans and leases to core deposits | 46.4203% | 5,147 |
| Total domestic deposits to total assets | 88.6726% | 1,272 |
| Equity capital to assets | 10.4615% | 3,116 |
| Core capital (leverage) ratio | 11.3162% | 2,150 |
| Tier 1 risk-based capital ratio | 23.1047% | 933 |
| Total risk-based capital ratio | 24.1596% | 934 |
| Memoranda: | ||
| Average total assets | $68,535,500 | 4,764 |
| Average earning assets | $63,760,500 | 4,753 |
| Average equity | $7,415,000 | 4,833 |
| Average total loans | $29,078,000 | 4,990 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5114% | 4,770 |
| Cost of funding earning assets | 0.2930% | 4,205 |
| Net interest margin | 3.2184% | 4,403 |
| Noninterest income to average assets | 0.3717% | 3,810 |
| Noninterest expense to average assets | 2.0201% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3422% | 1,135 |
| Return on assets (ROA) | 1.3437% | 1,155 |
| Pretax return on assets | 1.3985% | 1,993 |
| Return on Equity (ROE) | 11.8357% | 1,257 |
| Retained earnings to average equity (ytd only) | 3.4353% | 3,230 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1173% | 4,395 |
| Assets per employee ($millions) | 4.5415% | 3,127 |
| Cash dividends to net income (ytd only)* | 70.9751% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 2,877 |
| Loan loss allowance to noncurrent loans | 430.4878% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 4,530 |
| Noncurrent loans to loans | 0.2749% | 3,795 |
| Net loans and leases to total assets | 43.2629% | 5,015 |
| Net loans and leases to deposits | 49.1913% | 5,090 |
| Net loans and leases to core deposits | 50.2541% | 5,127 |
| Total domestic deposits to total assets | 87.9483% | 1,533 |
| Equity capital to assets | 11.1812% | 2,447 |
| Core capital (leverage) ratio | 11.7574% | 1,753 |
| Tier 1 risk-based capital ratio | 22.4236% | 971 |
| Total risk-based capital ratio | 23.4230% | 972 |
| Memoranda: | ||
| Average total assets | $65,640,600 | 4,858 |
| Average earning assets | $62,112,200 | 4,815 |
| Average equity | $7,452,000 | 4,871 |
| Average total loans | $29,382,400 | 5,043 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4937% | 4,827 |
| Cost of funding earning assets | 0.2739% | 4,372 |
| Net interest margin | 3.2198% | 4,402 |
| Noninterest income to average assets | 0.3568% | 3,979 |
| Noninterest expense to average assets | 2.0834% | 4,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2817% | 1,401 |
| Return on assets (ROA) | 1.2837% | 1,417 |
| Pretax return on assets | 1.3370% | 2,337 |
| Return on Equity (ROE) | 11.2627% | 1,586 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,206 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9478% | 4,053 |
| Assets per employee ($millions) | 4.2831% | 3,501 |
| Cash dividends to net income (ytd only)* | 100.0000% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 3,018 |
| 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 | 45.8254% | 4,950 |
| Net loans and leases to deposits | 52.4992% | 5,027 |
| Net loans and leases to core deposits | 54.0083% | 5,073 |
| Total domestic deposits to total assets | 87.2879% | 1,735 |
| Equity capital to assets | 11.7782% | 2,126 |
| Core capital (leverage) ratio | 11.9317% | 1,732 |
| Tier 1 risk-based capital ratio | 21.9304% | 1,051 |
| Total risk-based capital ratio | 22.9405% | 1,064 |
| Memoranda: | ||
| Average total assets | $65,020,000 | 4,917 |
| Average earning assets | $61,823,500 | 4,873 |
| Average equity | $7,410,750 | 4,928 |
| Average total loans | $29,271,750 | 5,097 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4360% | 4,902 |
| Cost of funding earning assets | 0.2527% | 4,518 |
| Net interest margin | 3.1833% | 4,469 |
| Noninterest income to average assets | 0.3554% | 4,014 |
| Noninterest expense to average assets | 2.0650% | 4,840 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2869% | 1,331 |
| Return on assets (ROA) | 1.2899% | 1,347 |
| Pretax return on assets | 1.3420% | 2,240 |
| Return on Equity (ROE) | 11.4423% | 1,479 |
| Retained earnings to average equity (ytd only) | -3.5332% | 5,469 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6661% | 4,216 |
| Assets per employee ($millions) | 4.3157% | 3,406 |
| Cash dividends to net income (ytd only)* | 130.8789% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 2,842 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 4,709 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 43.8458% | 5,047 |
| Net loans and leases to deposits | 50.0732% | 5,134 |
| Net loans and leases to core deposits | 51.2097% | 5,180 |
| Total domestic deposits to total assets | 87.5633% | 1,683 |
| Equity capital to assets | 11.5562% | 2,270 |
| Core capital (leverage) ratio | 11.6083% | 1,889 |
| Tier 1 risk-based capital ratio | 21.6846% | 1,087 |
| Total risk-based capital ratio | 22.7007% | 1,100 |
| Memoranda: | ||
| Average total assets | $65,278,000 | 4,945 |
| Average earning assets | $62,513,670 | 4,895 |
| Average equity | $7,358,670 | 4,951 |
| Average total loans | $29,097,670 | 5,142 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3332% | 5,055 |
| Cost of funding earning assets | 0.2422% | 4,606 |
| Net interest margin | 3.0910% | 4,677 |
| Noninterest income to average assets | 0.3661% | 3,913 |
| Noninterest expense to average assets | 2.1358% | 4,785 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1414% | 1,704 |
| Return on assets (ROA) | 1.1472% | 1,716 |
| Pretax return on assets | 1.1961% | 2,614 |
| Return on Equity (ROE) | 10.3049% | 1,825 |
| Retained earnings to average equity (ytd only) | -11.6752% | 5,615 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2202% | 3,799 |
| Assets per employee ($millions) | 4.3575% | 3,407 |
| Cash dividends to net income (ytd only)* | 213.2979% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 3,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1193% | 4,785 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 44.2015% | 5,028 |
| Net loans and leases to deposits | 50.1745% | 5,123 |
| Net loans and leases to core deposits | 51.0234% | 5,186 |
| Total domestic deposits to total assets | 88.0955% | 1,667 |
| Equity capital to assets | 11.0783% | 2,557 |
| Core capital (leverage) ratio | 11.4029% | 2,023 |
| Tier 1 risk-based capital ratio | 21.6138% | 1,132 |
| Total risk-based capital ratio | 22.6376% | 1,141 |
| Memoranda: | ||
| Average total assets | $65,549,000 | 4,989 |
| Average earning assets | $62,762,500 | 4,943 |
| Average equity | $7,297,500 | 5,001 |
| Average total loans | $29,278,000 | 5,184 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2887% | 5,172 |
| Cost of funding earning assets | 0.2557% | 4,515 |
| Net interest margin | 3.0330% | 4,893 |
| Noninterest income to average assets | 0.3493% | 4,236 |
| Noninterest expense to average assets | 2.0098% | 5,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1979% | 1,523 |
| Return on assets (ROA) | 1.1979% | 1,605 |
| Pretax return on assets | 1.2470% | 2,484 |
| Return on Equity (ROE) | 10.3404% | 1,833 |
| Retained earnings to average equity (ytd only) | 2.1421% | 4,311 |
| Net charge-offs to loans | 0.0306% | 3,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 90.4444% | 651 |
| Efficiency ratio | 61.7121% | 4,307 |
| Assets per employee ($millions) | 4.3824% | 3,304 |
| Cash dividends to net income (ytd only)* | 79.2839% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 3,100 |
| Loan loss allowance to noncurrent loans | 452.5641% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 4,838 |
| Noncurrent loans to loans | 0.2661% | 4,200 |
| Net loans and leases to total assets | 44.0535% | 5,115 |
| Net loans and leases to deposits | 50.0726% | 5,211 |
| Net loans and leases to core deposits | 50.5604% | 5,283 |
| Total domestic deposits to total assets | 87.9792% | 1,640 |
| Equity capital to assets | 11.1872% | 2,436 |
| Core capital (leverage) ratio | 11.4368% | 1,980 |
| Tier 1 risk-based capital ratio | 22.2629% | 1,046 |
| Total risk-based capital ratio | 23.2883% | 1,047 |
| Memoranda: | ||
| Average total assets | $65,279,000 | 5,025 |
| Average earning assets | $62,578,000 | 4,968 |
| Average equity | $7,562,600 | 4,997 |
| Average total loans | $29,378,800 | 5,215 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3076% | 5,207 |
| Cost of funding earning assets | 0.2559% | 4,549 |
| Net interest margin | 3.0517% | 4,896 |
| Noninterest income to average assets | 0.3417% | 4,337 |
| Noninterest expense to average assets | 2.0010% | 5,200 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2194% | 1,566 |
| Return on assets (ROA) | 1.2194% | 1,665 |
| Pretax return on assets | 1.2686% | 2,542 |
| Return on Equity (ROE) | 10.4357% | 1,895 |
| Retained earnings to average equity (ytd only) | -0.4202% | 5,431 |
| Net charge-offs to loans | 0.0408% | 2,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 68.8875% | 867 |
| Efficiency ratio | 61.2015% | 4,356 |
| Assets per employee ($millions) | 4.3119% | 3,396 |
| Cash dividends to net income (ytd only)* | 104.0269% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 3,292 |
| Loan loss allowance to noncurrent loans | 458.4416% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.1191% | 4,952 |
| Noncurrent loans to loans | 0.2599% | 4,333 |
| Net loans and leases to total assets | 45.2550% | 5,131 |
| Net loans and leases to deposits | 51.9294% | 5,203 |
| Net loans and leases to core deposits | 52.4486% | 5,292 |
| Total domestic deposits to total assets | 87.1471% | 1,824 |
| Equity capital to assets | 12.0041% | 2,115 |
| Core capital (leverage) ratio | 11.5512% | 1,988 |
| Tier 1 risk-based capital ratio | 22.4787% | 1,067 |
| Total risk-based capital ratio | 23.5398% | 1,078 |
| Memoranda: | ||
| Average total assets | $65,164,750 | 5,068 |
| Average earning assets | $62,521,750 | 5,010 |
| Average equity | $7,614,750 | 5,045 |
| Average total loans | $29,395,500 | 5,260 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3139% | 5,264 |
| Cost of funding earning assets | 0.2517% | 4,645 |
| Net interest margin | 3.0622% | 4,942 |
| Noninterest income to average assets | 0.3429% | 4,328 |
| Noninterest expense to average assets | 1.9961% | 5,275 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2369% | 1,476 |
| Return on assets (ROA) | 1.2369% | 1,574 |
| Pretax return on assets | 1.2889% | 2,453 |
| Return on Equity (ROE) | 10.6808% | 1,774 |
| Retained earnings to average equity (ytd only) | -3.7277% | 5,685 |
| Net charge-offs to loans | 0.0136% | 3,266 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 210.5000% | 309 |
| Efficiency ratio | 60.7642% | 4,545 |
| Assets per employee ($millions) | 4.2841% | 3,397 |
| Cash dividends to net income (ytd only)* | 134.9010% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 3,162 |
| 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 | 44.8321% | 5,181 |
| Net loans and leases to deposits | 51.4115% | 5,276 |
| Net loans and leases to core deposits | 51.9211% | 5,365 |
| Total domestic deposits to total assets | 87.2024% | 1,805 |
| Equity capital to assets | 11.9729% | 2,146 |
| Core capital (leverage) ratio | 11.2115% | 2,224 |
| Tier 1 risk-based capital ratio | 22.1747% | 1,118 |
| Total risk-based capital ratio | 23.2590% | 1,118 |
| Memoranda: | ||
| Average total assets | $65,327,000 | 5,116 |
| Average earning assets | $62,766,000 | 5,056 |
| Average equity | $7,565,000 | 5,097 |
| Average total loans | $29,319,670 | 5,316 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3329% | 5,256 |
| Cost of funding earning assets | 0.2530% | 4,670 |
| Net interest margin | 3.0799% | 4,920 |
| Noninterest income to average assets | 0.3583% | 4,158 |
| Noninterest expense to average assets | 2.0954% | 5,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1722% | 1,637 |
| Return on assets (ROA) | 1.1722% | 1,743 |
| Pretax return on assets | 1.2208% | 2,617 |
| Return on Equity (ROE) | 10.2926% | 1,855 |
| Retained earnings to average equity (ytd only) | -10.3993% | 5,820 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1868% | 4,278 |
| Assets per employee ($millions) | 4.3399% | 3,345 |
| Cash dividends to net income (ytd only)* | 201.0363% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 3,190 |
| 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 | 43.9408% | 5,241 |
| Net loans and leases to deposits | 50.1033% | 5,333 |
| Net loans and leases to core deposits | 50.5907% | 5,419 |
| Total domestic deposits to total assets | 87.7003% | 1,801 |
| Equity capital to assets | 11.5424% | 2,405 |
| Core capital (leverage) ratio | 10.9167% | 2,479 |
| Tier 1 risk-based capital ratio | 21.8812% | 1,178 |
| Total risk-based capital ratio | 22.9652% | 1,184 |
| Memoranda: | ||
| Average total assets | $65,859,500 | 5,156 |
| Average earning assets | $63,248,500 | 5,094 |
| Average equity | $7,500,500 | 5,142 |
| Average total loans | $29,394,500 | 5,357 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2317% | 5,467 |
| Cost of funding earning assets | 0.2706% | 4,576 |
| Net interest margin | 2.9611% | 5,223 |
| Noninterest income to average assets | 0.3203% | 4,603 |
| Noninterest expense to average assets | 1.9535% | 5,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1467% | 1,746 |
| Return on assets (ROA) | 1.1467% | 1,813 |
| Pretax return on assets | 1.1936% | 2,681 |
| Return on Equity (ROE) | 10.4693% | 1,817 |
| Retained earnings to average equity (ytd only) | 2.0001% | 4,592 |
| Net charge-offs to loans | -0.0035% | 4,929 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0259% | 4,597 |
| Assets per employee ($millions) | 4.4413% | 3,136 |
| Cash dividends to net income (ytd only)* | 80.8959% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 3,394 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 5,637 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 44.2210% | 5,270 |
| Net loans and leases to deposits | 50.2550% | 5,377 |
| Net loans and leases to core deposits | 51.4432% | 5,432 |
| Total domestic deposits to total assets | 87.9931% | 1,639 |
| Equity capital to assets | 11.2384% | 2,605 |
| Core capital (leverage) ratio | 11.2356% | 2,171 |
| Tier 1 risk-based capital ratio | 21.8539% | 1,169 |
| Total risk-based capital ratio | 22.9084% | 1,173 |
| Memoranda: | ||
| Average total assets | $66,189,000 | 5,175 |
| Average earning assets | $63,185,600 | 5,104 |
| Average equity | $7,249,800 | 5,202 |
| Average total loans | $28,635,800 | 5,419 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2692% | 5,462 |
| Cost of funding earning assets | 0.2751% | 4,612 |
| Net interest margin | 2.9941% | 5,203 |
| Noninterest income to average assets | 0.2906% | 4,868 |
| Noninterest expense to average assets | 1.9390% | 5,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1602% | 1,798 |
| Return on assets (ROA) | 1.1602% | 1,863 |
| Pretax return on assets | 1.2066% | 2,797 |
| Return on Equity (ROE) | 10.6620% | 1,839 |
| Retained earnings to average equity (ytd only) | -0.7232% | 5,724 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5779% | 4,635 |
| Assets per employee ($millions) | 4.2822% | 3,353 |
| Cash dividends to net income (ytd only)* | 106.7828% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 3,266 |
| Loan loss allowance to noncurrent loans | 3,610.0000% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 5,739 |
| Noncurrent loans to loans | 0.0351% | 5,480 |
| Net loans and leases to total assets | 43.7517% | 5,371 |
| Net loans and leases to deposits | 49.8837% | 5,475 |
| Net loans and leases to core deposits | 50.8348% | 5,548 |
| Total domestic deposits to total assets | 87.7073% | 1,700 |
| Equity capital to assets | 11.5050% | 2,505 |
| Core capital (leverage) ratio | 11.3860% | 2,123 |
| Tier 1 risk-based capital ratio | 22.7253% | 1,094 |
| Total risk-based capital ratio | 23.8463% | 1,090 |
| Memoranda: | ||
| Average total assets | $66,081,250 | 5,238 |
| Average earning assets | $63,010,250 | 5,175 |
| Average equity | $7,190,500 | 5,282 |
| Average total loans | $28,339,250 | 5,494 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2254% | 5,579 |
| Cost of funding earning assets | 0.2821% | 4,586 |
| Net interest margin | 2.9433% | 5,358 |
| Noninterest income to average assets | 0.2579% | 5,111 |
| Noninterest expense to average assets | 1.9251% | 5,671 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0975% | 1,965 |
| Return on assets (ROA) | 1.0975% | 2,055 |
| Pretax return on assets | 1.1485% | 2,976 |
| Return on Equity (ROE) | 10.2751% | 1,945 |
| Retained earnings to average equity (ytd only) | -4.4919% | 5,997 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6341% | 4,569 |
| Assets per employee ($millions) | 4.3155% | 3,276 |
| Cash dividends to net income (ytd only)* | 143.7158% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 3,335 |
| Loan loss allowance to noncurrent loans | 3,610.0000% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 5,833 |
| Noncurrent loans to loans | 0.0355% | 5,607 |
| Net loans and leases to total assets | 42.9061% | 5,442 |
| Net loans and leases to deposits | 48.4577% | 5,575 |
| Net loans and leases to core deposits | 49.3655% | 5,635 |
| Total domestic deposits to total assets | 88.5435% | 1,389 |
| Equity capital to assets | 10.7088% | 3,209 |
| Core capital (leverage) ratio | 10.7071% | 2,724 |
| Tier 1 risk-based capital ratio | 22.3645% | 1,155 |
| Total risk-based capital ratio | 23.4864% | 1,150 |
| Memoranda: | ||
| Average total assets | $66,697,330 | 5,287 |
| Average earning assets | $63,805,330 | 5,206 |
| Average equity | $7,124,000 | 5,336 |
| Average total loans | $28,297,670 | 5,544 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1752% | 5,690 |
| Cost of funding earning assets | 0.2785% | 4,684 |
| Net interest margin | 2.8967% | 5,461 |
| Noninterest income to average assets | 0.3487% | 4,412 |
| Noninterest expense to average assets | 1.9917% | 5,598 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0697% | 1,972 |
| Return on assets (ROA) | 1.0697% | 2,095 |
| Pretax return on assets | 1.1229% | 2,984 |
| Return on Equity (ROE) | 10.0277% | 1,998 |
| Retained earnings to average equity (ytd only) | -10.8033% | 6,152 |
| Net charge-offs to loans | 0.0282% | 2,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 515 |
| Efficiency ratio | 63.9469% | 4,494 |
| Assets per employee ($millions) | 4.5473% | 2,975 |
| Cash dividends to net income (ytd only)* | 207.7348% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 3,542 |
| Loan loss allowance to noncurrent loans | 3,590.0000% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 4,907 |
| Noncurrent loans to loans | 0.0355% | 5,650 |
| Net loans and leases to total assets | 40.7146% | 5,563 |
| Net loans and leases to deposits | 45.9184% | 5,661 |
| Net loans and leases to core deposits | 47.0193% | 5,714 |
| Total domestic deposits to total assets | 88.6672% | 1,465 |
| Equity capital to assets | 10.6394% | 3,385 |
| Core capital (leverage) ratio | 10.4791% | 2,991 |
| Tier 1 risk-based capital ratio | 21.5446% | 1,314 |
| Total risk-based capital ratio | 22.6247% | 1,328 |
| Memoranda: | ||
| Average total assets | $67,680,000 | 5,315 |
| Average earning assets | $64,625,000 | 5,237 |
| Average equity | $7,220,000 | 5,361 |
| Average total loans | $28,379,000 | 5,575 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4507% | 5,429 |
| Cost of funding earning assets | 0.2950% | 4,841 |
| Net interest margin | 3.1558% | 5,057 |
| Noninterest income to average assets | 0.3920% | 4,252 |
| Noninterest expense to average assets | 2.0885% | 5,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2178% | 1,533 |
| Return on assets (ROA) | 1.2178% | 1,586 |
| Pretax return on assets | 1.2806% | 2,307 |
| Return on Equity (ROE) | 13.6234% | 1,011 |
| Retained earnings to average equity (ytd only) | 4.4017% | 3,048 |
| Net charge-offs to loans | 0.1984% | 2,079 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 15.8519% | 2,057 |
| Efficiency ratio | 61.8117% | 4,938 |
| Assets per employee ($millions) | 4.7965% | 2,595 |
| Cash dividends to net income (ytd only)* | 67.6904% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 3,656 |
| Loan loss allowance to noncurrent loans | 3,610.0000% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 4,975 |
| Noncurrent loans to loans | 0.0349% | 5,748 |
| Net loans and leases to total assets | 42.0947% | 5,611 |
| Net loans and leases to deposits | 47.5331% | 5,711 |
| Net loans and leases to core deposits | 48.2306% | 5,804 |
| Total domestic deposits to total assets | 88.5586% | 1,488 |
| Equity capital to assets | 10.6968% | 3,241 |
| Core capital (leverage) ratio | 10.9899% | 2,420 |
| Tier 1 risk-based capital ratio | 21.6474% | 1,280 |
| Total risk-based capital ratio | 22.7097% | 1,292 |
| Memoranda: | ||
| Average total assets | $66,843,200 | 5,377 |
| Average earning assets | $63,059,400 | 5,309 |
| Average equity | $5,975,000 | 5,627 |
| Average total loans | $27,215,600 | 5,685 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4426% | 5,513 |
| Cost of funding earning assets | 0.2971% | 4,912 |
| Net interest margin | 3.1454% | 5,129 |
| Noninterest income to average assets | 0.3615% | 4,542 |
| Noninterest expense to average assets | 2.1148% | 5,539 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1483% | 1,873 |
| Return on assets (ROA) | 1.1483% | 1,929 |
| Pretax return on assets | 1.2062% | 2,752 |
| Return on Equity (ROE) | 13.5140% | 1,092 |
| Retained earnings to average equity (ytd only) | 0.5641% | 5,641 |
| Net charge-offs to loans | 0.1390% | 2,407 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 21.5727% | 1,667 |
| Efficiency ratio | 63.4997% | 4,632 |
| Assets per employee ($millions) | 4.2254% | 3,428 |
| Cash dividends to net income (ytd only)* | 95.8260% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 3,278 |
| Loan loss allowance to noncurrent loans | 967.5000% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 5,043 |
| Noncurrent loans to loans | 0.1424% | 5,491 |
| Net loans and leases to total assets | 40.9750% | 5,754 |
| Net loans and leases to deposits | 45.6744% | 5,888 |
| Net loans and leases to core deposits | 47.1018% | 5,919 |
| Total domestic deposits to total assets | 89.7111% | 868 |
| Equity capital to assets | 9.5700% | 4,709 |
| Core capital (leverage) ratio | 10.6497% | 2,862 |
| Tier 1 risk-based capital ratio | 20.3494% | 1,589 |
| Total risk-based capital ratio | 21.4559% | 1,581 |
| Memoranda: | ||
| Average total assets | $66,766,250 | 5,432 |
| Average earning assets | $62,820,000 | 5,374 |
| Average equity | $5,673,000 | 5,751 |
| Average total loans | $26,862,500 | 5,759 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2946% | 5,800 |
| Cost of funding earning assets | 0.2952% | 5,015 |
| Net interest margin | 2.9994% | 5,530 |
| Noninterest income to average assets | 0.4542% | 3,837 |
| Noninterest expense to average assets | 2.1207% | 5,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1281% | 1,824 |
| Return on assets (ROA) | 1.1281% | 1,918 |
| Pretax return on assets | 1.1762% | 2,775 |
| Return on Equity (ROE) | 13.8701% | 983 |
| Retained earnings to average equity (ytd only) | -4.6603% | 6,209 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1423% | 4,669 |
| Assets per employee ($millions) | 3.9086% | 4,042 |
| Cash dividends to net income (ytd only)* | 133.6000% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 2,679 |
| Loan loss allowance to noncurrent loans | 203.4314% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 5,142 |
| Noncurrent loans to loans | 0.7606% | 3,802 |
| Net loans and leases to total assets | 39.7405% | 5,839 |
| Net loans and leases to deposits | 44.1505% | 5,974 |
| Net loans and leases to core deposits | 45.2127% | 6,027 |
| Total domestic deposits to total assets | 90.0114% | 803 |
| Equity capital to assets | 9.3158% | 4,967 |
| Core capital (leverage) ratio | 10.4557% | 2,998 |
| Tier 1 risk-based capital ratio | 20.7519% | 1,497 |
| Total risk-based capital ratio | 21.9882% | 1,482 |
| Memoranda: | ||
| Average total assets | $66,486,000 | 5,493 |
| Average earning assets | $63,012,670 | 5,423 |
| Average equity | $5,407,330 | 5,861 |
| Average total loans | $26,453,670 | 5,823 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3045% | 5,835 |
| Cost of funding earning assets | 0.2935% | 5,140 |
| Net interest margin | 3.0111% | 5,499 |
| Noninterest income to average assets | 0.4270% | 3,970 |
| Noninterest expense to average assets | 2.0329% | 5,820 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1728% | 1,560 |
| Return on assets (ROA) | 1.1728% | 1,626 |
| Pretax return on assets | 1.2330% | 2,335 |
| Return on Equity (ROE) | 15.5502% | 699 |
| Retained earnings to average equity (ytd only) | -16.4274% | 6,488 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0626% | 5,107 |
| Assets per employee ($millions) | 3.7958% | 4,338 |
| Cash dividends to net income (ytd only)* | 205.6410% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6162% | 2,625 |
| Loan loss allowance to noncurrent loans | 228.0220% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 5,377 |
| Noncurrent loans to loans | 0.7088% | 4,097 |
| Net loans and leases to total assets | 36.9753% | 6,020 |
| Net loans and leases to deposits | 40.4681% | 6,157 |
| Net loans and leases to core deposits | 41.3985% | 6,183 |
| Total domestic deposits to total assets | 91.3691% | 427 |
| Equity capital to assets | 8.0030% | 6,057 |
| Core capital (leverage) ratio | 10.4561% | 2,984 |
| Tier 1 risk-based capital ratio | 21.1294% | 1,449 |
| Total risk-based capital ratio | 22.3815% | 1,425 |
| Memoranda: | ||
| Average total assets | $66,506,000 | 5,548 |
| Average earning assets | $62,701,500 | 5,483 |
| Average equity | $5,016,000 | 5,992 |
| Average total loans | $26,270,000 | 5,881 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1625% | 6,182 |
| Cost of funding earning assets | 0.3202% | 5,421 |
| Net interest margin | 2.8423% | 5,912 |
| Noninterest income to average assets | 0.5226% | 3,605 |
| Noninterest expense to average assets | 2.1309% | 5,767 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0366% | 2,175 |
| Return on assets (ROA) | 1.0380% | 2,236 |
| Pretax return on assets | 1.0915% | 2,976 |
| Return on Equity (ROE) | 12.3408% | 1,318 |
| Retained earnings to average equity (ytd only) | 1.1188% | 5,328 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9775% | 4,562 |
| Assets per employee ($millions) | 3.4046% | 5,074 |
| Cash dividends to net income (ytd only)* | 90.9344% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 2,981 |
| Loan loss allowance to noncurrent loans | 237.1429% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 5,450 |
| Noncurrent loans to loans | 0.6515% | 4,337 |
| Net loans and leases to total assets | 40.8839% | 5,900 |
| Net loans and leases to deposits | 44.8551% | 6,079 |
| Net loans and leases to core deposits | 45.5504% | 6,155 |
| Total domestic deposits to total assets | 91.1467% | 517 |
| Equity capital to assets | 7.0554% | 6,446 |
| Core capital (leverage) ratio | 10.9982% | 2,388 |
| Tier 1 risk-based capital ratio | 20.6958% | 1,491 |
| Total risk-based capital ratio | 21.9070% | 1,473 |
| Memoranda: | ||
| Average total assets | $69,077,200 | 5,505 |
| Average earning assets | $65,580,400 | 5,418 |
| Average equity | $5,810,000 | 5,861 |
| Average total loans | $25,254,000 | 5,971 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0545% | 6,364 |
| Cost of funding earning assets | 0.3228% | 5,523 |
| Net interest margin | 2.7317% | 6,116 |
| Noninterest income to average assets | 0.5301% | 3,590 |
| Noninterest expense to average assets | 2.0729% | 5,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0109% | 2,336 |
| Return on assets (ROA) | 1.0127% | 2,416 |
| Pretax return on assets | 1.0640% | 3,251 |
| Return on Equity (ROE) | 11.6091% | 1,619 |
| Retained earnings to average equity (ytd only) | -2.5918% | 6,319 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9394% | 4,495 |
| Assets per employee ($millions) | 3.3869% | 5,090 |
| Cash dividends to net income (ytd only)* | 122.3260% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 2,879 |
| Loan loss allowance to noncurrent loans | 41,500.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 6,534 |
| Noncurrent loans to loans | 0.0039% | 6,379 |
| Net loans and leases to total assets | 38.8892% | 6,112 |
| Net loans and leases to deposits | 42.2494% | 6,292 |
| Net loans and leases to core deposits | 42.8939% | 6,358 |
| Total domestic deposits to total assets | 92.0469% | 240 |
| Equity capital to assets | 7.2678% | 6,472 |
| Core capital (leverage) ratio | 10.2674% | 3,287 |
| Tier 1 risk-based capital ratio | 21.1799% | 1,460 |
| Total risk-based capital ratio | 22.4315% | 1,430 |
| Memoranda: | ||
| Average total assets | $70,174,500 | 5,523 |
| Average earning assets | $66,916,500 | 5,435 |
| Average equity | $6,121,500 | 5,862 |
| Average total loans | $24,852,000 | 6,048 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9342% | 6,506 |
| Cost of funding earning assets | 0.3193% | 5,668 |
| Net interest margin | 2.6150% | 6,319 |
| Noninterest income to average assets | 0.5658% | 3,408 |
| Noninterest expense to average assets | 2.0384% | 5,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9764% | 2,438 |
| Return on assets (ROA) | 0.9790% | 2,568 |
| Pretax return on assets | 1.0289% | 3,380 |
| Return on Equity (ROE) | 10.6921% | 1,929 |
| Retained earnings to average equity (ytd only) | -6.3607% | 6,538 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3348% | 4,490 |
| Assets per employee ($millions) | 3.6784% | 4,447 |
| Cash dividends to net income (ytd only)* | 159.4901% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7346% | 2,651 |
| 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 | 33.6391% | 6,430 |
| Net loans and leases to deposits | 36.9858% | 6,517 |
| Net loans and leases to core deposits | 37.5098% | 6,556 |
| Total domestic deposits to total assets | 90.9514% | 563 |
| Equity capital to assets | 8.4620% | 5,807 |
| Core capital (leverage) ratio | 9.4918% | 4,257 |
| Tier 1 risk-based capital ratio | 22.1007% | 1,267 |
| Total risk-based capital ratio | 23.3532% | 1,243 |
| Memoranda: | ||
| Average total assets | $72,115,330 | 5,510 |
| Average earning assets | $68,910,330 | 5,421 |
| Average equity | $6,603,000 | 5,779 |
| Average total loans | $24,655,670 | 6,087 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9233% | 6,587 |
| Cost of funding earning assets | 0.3261% | 5,751 |
| Net interest margin | 2.5972% | 6,376 |
| Noninterest income to average assets | 0.4425% | 4,160 |
| Noninterest expense to average assets | 1.9009% | 6,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9723% | 2,344 |
| Return on assets (ROA) | 0.9723% | 2,472 |
| Pretax return on assets | 1.0215% | 3,258 |
| Return on Equity (ROE) | 10.2483% | 1,972 |
| Retained earnings to average equity (ytd only) | -12.0907% | 6,683 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8598% | 4,848 |
| Assets per employee ($millions) | 4.3379% | 3,266 |
| Cash dividends to net income (ytd only)* | 217.9775% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7273% | 2,894 |
| Loan loss allowance to noncurrent loans | 8,300.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 5,793 |
| Noncurrent loans to loans | 0.0208% | 6,432 |
| Net loans and leases to total assets | 32.0171% | 6,514 |
| Net loans and leases to deposits | 35.4360% | 6,593 |
| Net loans and leases to core deposits | 35.9130% | 6,623 |
| Total domestic deposits to total assets | 90.3519% | 849 |
| Equity capital to assets | 9.0935% | 5,374 |
| Core capital (leverage) ratio | 9.3067% | 4,387 |
| Tier 1 risk-based capital ratio | 20.3648% | 1,682 |
| Total risk-based capital ratio | 21.6056% | 1,659 |
| Memoranda: | ||
| Average total assets | $73,228,500 | 5,531 |
| Average earning assets | $69,921,500 | 5,438 |
| Average equity | $6,947,500 | 5,754 |
| Average total loans | $25,021,000 | 6,119 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4204% | 6,458 |
| Cost of funding earning assets | 0.4790% | 5,360 |
| Net interest margin | 2.9414% | 6,150 |
| Noninterest income to average assets | 0.5268% | 3,733 |
| Noninterest expense to average assets | 2.0073% | 6,310 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2138% | 1,557 |
| Return on assets (ROA) | 1.2208% | 1,700 |
| Pretax return on assets | 1.2839% | 2,472 |
| Return on Equity (ROE) | 12.0301% | 1,503 |
| Retained earnings to average equity (ytd only) | 2.4291% | 4,526 |
| Net charge-offs to loans | -0.1817% | 6,925 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9473% | 5,396 |
| Assets per employee ($millions) | 4.2772% | 3,405 |
| Cash dividends to net income (ytd only)* | 79.8077% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5952% | 3,344 |
| Loan loss allowance to noncurrent loans | 8,300.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.2613% | 5,895 |
| Noncurrent loans to loans | 0.0192% | 6,491 |
| Net loans and leases to total assets | 35.2088% | 6,484 |
| Net loans and leases to deposits | 39.3323% | 6,581 |
| Net loans and leases to core deposits | 39.8732% | 6,622 |
| Total domestic deposits to total assets | 89.5162% | 1,235 |
| Equity capital to assets | 9.8870% | 4,329 |
| Core capital (leverage) ratio | 9.4685% | 4,153 |
| Tier 1 risk-based capital ratio | 20.3019% | 1,608 |
| Total risk-based capital ratio | 21.5019% | 1,586 |
| Memoranda: | ||
| Average total assets | $68,151,800 | 5,671 |
| Average earning assets | $63,881,600 | 5,613 |
| Average equity | $6,916,000 | 5,787 |
| Average total loans | $25,871,800 | 6,144 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4220% | 6,601 |
| Cost of funding earning assets | 0.5184% | 5,317 |
| Net interest margin | 2.9036% | 6,354 |
| Noninterest income to average assets | 0.5034% | 3,907 |
| Noninterest expense to average assets | 1.9419% | 6,457 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2062% | 1,714 |
| Return on assets (ROA) | 1.2157% | 1,859 |
| Pretax return on assets | 1.2794% | 2,670 |
| Return on Equity (ROE) | 11.8966% | 1,666 |
| Retained earnings to average equity (ytd only) | -1.0319% | 6,282 |
| Net charge-offs to loans | 0.0671% | 4,744 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 49.0854% | 769 |
| Efficiency ratio | 60.2850% | 5,452 |
| Assets per employee ($millions) | 3.9813% | 3,908 |
| Cash dividends to net income (ytd only)* | 108.6737% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 4,460 |
| Loan loss allowance to noncurrent loans | 5,916.6667% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 6,035 |
| Noncurrent loans to loans | 0.0233% | 6,578 |
| Net loans and leases to total assets | 35.4027% | 6,584 |
| Net loans and leases to deposits | 39.3880% | 6,701 |
| Net loans and leases to core deposits | 39.9342% | 6,741 |
| Total domestic deposits to total assets | 89.8819% | 904 |
| Equity capital to assets | 9.5124% | 5,193 |
| Core capital (leverage) ratio | 9.9853% | 3,567 |
| Tier 1 risk-based capital ratio | 19.8592% | 1,797 |
| Total risk-based capital ratio | 20.8963% | 1,817 |
| Memoranda: | ||
| Average total assets | $67,011,750 | 5,774 |
| Average earning assets | $62,495,000 | 5,720 |
| Average equity | $6,847,750 | 5,871 |
| Average total loans | $25,835,750 | 6,224 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5157% | 6,587 |
| Cost of funding earning assets | 0.5675% | 5,166 |
| Net interest margin | 2.9483% | 6,344 |
| Noninterest income to average assets | 0.5041% | 3,896 |
| Noninterest expense to average assets | 1.9920% | 6,451 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2011% | 1,713 |
| Return on assets (ROA) | 1.2068% | 1,883 |
| Pretax return on assets | 1.2802% | 2,629 |
| Return on Equity (ROE) | 11.5194% | 1,820 |
| Retained earnings to average equity (ytd only) | -4.9286% | 6,613 |
| Net charge-offs to loans | 0.1005% | 4,161 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 32.0769% | 1,026 |
| Efficiency ratio | 60.8045% | 5,451 |
| Assets per employee ($millions) | 3.7409% | 4,439 |
| Cash dividends to net income (ytd only)* | 142.7848% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 4,393 |
| Loan loss allowance to noncurrent loans | 8,875.0000% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.2807% | 6,073 |
| Noncurrent loans to loans | 0.0160% | 6,655 |
| Net loans and leases to total assets | 36.6802% | 6,570 |
| Net loans and leases to deposits | 41.1280% | 6,696 |
| Net loans and leases to core deposits | 41.3594% | 6,760 |
| Total domestic deposits to total assets | 89.1856% | 1,399 |
| Equity capital to assets | 10.1758% | 4,088 |
| Core capital (leverage) ratio | 10.0684% | 3,329 |
| Tier 1 risk-based capital ratio | 20.6375% | 1,540 |
| Total risk-based capital ratio | 21.7339% | 1,558 |
| Memoranda: | ||
| Average total assets | $65,461,000 | 5,865 |
| Average earning assets | $61,324,330 | 5,788 |
| Average equity | $6,858,000 | 5,891 |
| Average total loans | $25,872,330 | 6,269 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5113% | 6,682 |
| Cost of funding earning assets | 0.6016% | 5,113 |
| Net interest margin | 2.9097% | 6,474 |
| Noninterest income to average assets | 0.5207% | 3,775 |
| Noninterest expense to average assets | 1.9714% | 6,519 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2402% | 1,633 |
| Return on assets (ROA) | 1.2461% | 1,788 |
| Pretax return on assets | 1.3142% | 2,492 |
| Return on Equity (ROE) | 11.7184% | 1,761 |
| Retained earnings to average equity (ytd only) | -12.3597% | 6,908 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9244% | 5,626 |
| Assets per employee ($millions) | 3.5794% | 4,940 |
| Cash dividends to net income (ytd only)* | 205.4726% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 4,463 |
| Loan loss allowance to noncurrent loans | 2,164.7059% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 6,108 |
| Noncurrent loans to loans | 0.0661% | 6,584 |
| Net loans and leases to total assets | 39.3255% | 6,400 |
| Net loans and leases to deposits | 44.2529% | 6,544 |
| Net loans and leases to core deposits | 44.7626% | 6,628 |
| Total domestic deposits to total assets | 88.8653% | 1,780 |
| Equity capital to assets | 10.4673% | 3,530 |
| Core capital (leverage) ratio | 10.2784% | 3,019 |
| Tier 1 risk-based capital ratio | 20.5428% | 1,578 |
| Total risk-based capital ratio | 21.6817% | 1,584 |
| Memoranda: | ||
| Average total assets | $64,523,500 | 5,940 |
| Average earning assets | $61,174,500 | 5,836 |
| Average equity | $6,861,000 | 5,910 |
| Average total loans | $26,281,500 | 6,289 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1062% | 6,274 |
| Cost of funding earning assets | 0.7924% | 4,921 |
| Net interest margin | 3.3138% | 5,766 |
| Noninterest income to average assets | 0.5565% | 3,461 |
| Noninterest expense to average assets | 2.1985% | 6,270 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4224% | 984 |
| Return on assets (ROA) | 1.4239% | 1,055 |
| Pretax return on assets | 1.4971% | 1,480 |
| Return on Equity (ROE) | 13.8629% | 966 |
| Retained earnings to average equity (ytd only) | 0.9664% | 5,408 |
| Net charge-offs to loans | -0.0530% | 7,060 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3392% | 5,853 |
| Assets per employee ($millions) | 3.5899% | 4,793 |
| Cash dividends to net income (ytd only)* | 93.0286% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 4,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 6,246 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 40.9948% | 6,465 |
| Net loans and leases to deposits | 46.3363% | 6,607 |
| Net loans and leases to core deposits | 46.8692% | 6,697 |
| Total domestic deposits to total assets | 88.4723% | 1,868 |
| Equity capital to assets | 10.7988% | 3,195 |
| Core capital (leverage) ratio | 10.4985% | 2,732 |
| Tier 1 risk-based capital ratio | 20.6538% | 1,491 |
| Total risk-based capital ratio | 21.7635% | 1,489 |
| Memoranda: | ||
| Average total assets | $61,450,200 | 5,999 |
| Average earning assets | $58,181,000 | 5,927 |
| Average equity | $6,311,800 | 6,067 |
| Average total loans | $26,404,800 | 6,330 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2229% | 6,153 |
| Cost of funding earning assets | 0.8353% | 4,900 |
| Net interest margin | 3.3876% | 5,611 |
| Noninterest income to average assets | 0.5231% | 3,707 |
| Noninterest expense to average assets | 2.1695% | 6,344 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4860% | 968 |
| Return on assets (ROA) | 1.4881% | 1,046 |
| Pretax return on assets | 1.5650% | 1,473 |
| Return on Equity (ROE) | 14.6884% | 896 |
| Retained earnings to average equity (ytd only) | -2.9942% | 6,417 |
| Net charge-offs to loans | -0.0456% | 7,037 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9505% | 6,017 |
| Assets per employee ($millions) | 3.4960% | 5,006 |
| Cash dividends to net income (ytd only)* | 120.3846% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 4,956 |
| Loan loss allowance to noncurrent loans | 3,025.0000% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.4036% | 6,068 |
| Noncurrent loans to loans | 0.0434% | 6,832 |
| Net loans and leases to total assets | 43.3734% | 6,394 |
| Net loans and leases to deposits | 49.1200% | 6,557 |
| Net loans and leases to core deposits | 49.6959% | 6,685 |
| Total domestic deposits to total assets | 88.3009% | 1,873 |
| Equity capital to assets | 10.9427% | 3,196 |
| Core capital (leverage) ratio | 10.5913% | 2,770 |
| Tier 1 risk-based capital ratio | 19.6049% | 1,785 |
| Total risk-based capital ratio | 20.6782% | 1,807 |
| Memoranda: | ||
| Average total assets | $60,658,250 | 6,065 |
| Average earning assets | $57,463,500 | 5,992 |
| Average equity | $6,145,250 | 6,168 |
| Average total loans | $26,291,500 | 6,404 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2247% | 6,230 |
| Cost of funding earning assets | 0.8562% | 5,013 |
| Net interest margin | 3.3685% | 5,647 |
| Noninterest income to average assets | 0.5075% | 3,801 |
| Noninterest expense to average assets | 2.2504% | 6,243 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3789% | 1,129 |
| Return on assets (ROA) | 1.3789% | 1,196 |
| Pretax return on assets | 1.4490% | 1,666 |
| Return on Equity (ROE) | 14.0040% | 979 |
| Retained earnings to average equity (ytd only) | -10.2063% | 6,885 |
| Net charge-offs to loans | -0.0310% | 6,928 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6498% | 5,781 |
| Assets per employee ($millions) | 3.4291% | 5,126 |
| Cash dividends to net income (ytd only)* | 172.8814% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 4,777 |
| Loan loss allowance to noncurrent loans | 17,900.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.3872% | 6,163 |
| Noncurrent loans to loans | 0.0076% | 6,991 |
| Net loans and leases to total assets | 42.0631% | 6,591 |
| Net loans and leases to deposits | 47.1523% | 6,769 |
| Net loans and leases to core deposits | 47.7086% | 6,868 |
| Total domestic deposits to total assets | 89.2068% | 1,416 |
| Equity capital to assets | 10.1047% | 4,010 |
| Core capital (leverage) ratio | 10.6367% | 2,578 |
| Tier 1 risk-based capital ratio | 19.8908% | 1,631 |
| Total risk-based capital ratio | 20.9890% | 1,636 |
| Memoranda: | ||
| Average total assets | $59,901,670 | 6,140 |
| Average earning assets | $56,761,000 | 6,062 |
| Average equity | $5,898,330 | 6,260 |
| Average total loans | $25,836,330 | 6,491 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2538% | 6,137 |
| Cost of funding earning assets | 0.8536% | 5,249 |
| Net interest margin | 3.4002% | 5,429 |
| Noninterest income to average assets | 0.5221% | 3,707 |
| Noninterest expense to average assets | 2.2648% | 6,273 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4036% | 1,056 |
| Return on assets (ROA) | 1.4036% | 1,095 |
| Pretax return on assets | 1.4714% | 1,529 |
| Return on Equity (ROE) | 14.4528% | 913 |
| Retained earnings to average equity (ytd only) | -21.4348% | 7,177 |
| Net charge-offs to loans | -0.0625% | 6,962 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4356% | 5,913 |
| Assets per employee ($millions) | 3.3244% | 5,424 |
| Cash dividends to net income (ytd only)* | 248.3092% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 4,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3977% | 6,212 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 42.3303% | 6,590 |
| Net loans and leases to deposits | 47.0678% | 6,794 |
| Net loans and leases to core deposits | 47.6307% | 6,896 |
| Total domestic deposits to total assets | 89.9347% | 1,184 |
| Equity capital to assets | 9.3568% | 4,640 |
| Core capital (leverage) ratio | 10.8290% | 2,333 |
| Tier 1 risk-based capital ratio | 20.3788% | 1,506 |
| Total risk-based capital ratio | 21.5050% | 1,502 |
| Memoranda: | ||
| Average total assets | $58,990,500 | 6,221 |
| Average earning assets | $55,762,000 | 6,136 |
| Average equity | $5,729,000 | 6,331 |
| Average total loans | $25,594,000 | 6,556 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9983% | 4,566 |
| Cost of funding earning assets | 1.0884% | 5,198 |
| Net interest margin | 3.9100% | 3,440 |
| Noninterest income to average assets | 0.5234% | 4,001 |
| Noninterest expense to average assets | 2.5084% | 5,766 |
| Loan and lease loss provision to assets | 0.0525% | 6,633 |
| Net operating income to assets | 1.5548% | 680 |
| Return on assets (ROA) | 1.5614% | 733 |
| Pretax return on assets | 1.6419% | 1,049 |
| Return on Equity (ROE) | 13.9957% | 879 |
| Retained earnings to average equity (ytd only) | 5.9309% | 1,855 |
| Net charge-offs to loans | -0.1866% | 7,538 |
| Credit loss provision to net charge-offs | -57.6923% | 7,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6162% | 6,103 |
| Assets per employee ($millions) | 3.2301% | 5,595 |
| Cash dividends to net income (ytd only)* | 57.6233% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 4,571 |
| Loan loss allowance to noncurrent loans | 35,400.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 6,350 |
| Noncurrent loans to loans | 0.0039% | 7,159 |
| Net loans and leases to total assets | 43.2493% | 6,768 |
| Net loans and leases to deposits | 48.5369% | 6,925 |
| Net loans and leases to core deposits | 49.1373% | 7,016 |
| Total domestic deposits to total assets | 89.1060% | 1,592 |
| Equity capital to assets | 10.0771% | 3,647 |
| Core capital (leverage) ratio | 11.1759% | 2,032 |
| Tier 1 risk-based capital ratio | 21.7039% | 1,221 |
| Total risk-based capital ratio | 22.8365% | 1,213 |
| Memoranda: | ||
| Average total assets | $57,127,200 | 6,305 |
| Average earning assets | $53,657,800 | 6,228 |
| Average equity | $6,373,400 | 6,241 |
| Average total loans | $27,867,400 | 6,503 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0820% | 4,417 |
| Cost of funding earning assets | 1.1257% | 5,281 |
| Net interest margin | 3.9562% | 3,303 |
| Noninterest income to average assets | 0.5111% | 4,092 |
| Noninterest expense to average assets | 2.4920% | 5,741 |
| Loan and lease loss provision to assets | 0.0703% | 6,360 |
| Net operating income to assets | 1.5824% | 770 |
| Return on assets (ROA) | 1.5824% | 842 |
| Pretax return on assets | 1.6645% | 1,177 |
| Return on Equity (ROE) | 13.8416% | 1,068 |
| Retained earnings to average equity (ytd only) | 3.3014% | 4,125 |
| Net charge-offs to loans | 0.3795% | 3,779 |
| Credit loss provision to net charge-offs | 37.0370% | 6,058 |
| Earnings coverage of net charge-offs (x) | 9.1356% | 2,058 |
| Efficiency ratio | 58.7909% | 6,149 |
| Assets per employee ($millions) | 3.1456% | 5,815 |
| Cash dividends to net income (ytd only)* | 76.1484% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7886% | 7,031 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3780% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 49.1028% | 6,421 |
| Net loans and leases to deposits | 56.2885% | 6,598 |
| Net loans and leases to core deposits | 59.3705% | 6,647 |
| Total domestic deposits to total assets | 87.2342% | 2,406 |
| Equity capital to assets | 11.8933% | 2,227 |
| Core capital (leverage) ratio | 11.4918% | 1,943 |
| Tier 1 risk-based capital ratio | 20.0153% | 1,549 |
| Total risk-based capital ratio | 20.6898% | 1,626 |
| Memoranda: | ||
| Average total assets | $56,873,500 | 6,391 |
| Average earning assets | $53,416,500 | 6,305 |
| Average equity | $6,502,000 | 6,276 |
| Average total loans | $28,459,250 | 6,560 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1715% | 4,088 |
| Cost of funding earning assets | 1.1571% | 5,356 |
| Net interest margin | 4.0144% | 2,948 |
| Noninterest income to average assets | 0.5162% | 3,985 |
| Noninterest expense to average assets | 2.5282% | 5,618 |
| Loan and lease loss provision to assets | 0.0527% | 6,435 |
| Net operating income to assets | 1.6152% | 700 |
| Return on assets (ROA) | 1.6152% | 758 |
| Pretax return on assets | 1.6995% | 1,057 |
| Return on Equity (ROE) | 14.3198% | 969 |
| Retained earnings to average equity (ytd only) | -0.0934% | 5,752 |
| Net charge-offs to loans | 0.5034% | 3,023 |
| Credit loss provision to net charge-offs | 20.8333% | 5,841 |
| Earnings coverage of net charge-offs (x) | 6.9306% | 2,384 |
| Efficiency ratio | 58.9007% | 6,241 |
| Assets per employee ($millions) | 3.1575% | 5,770 |
| Cash dividends to net income (ytd only)* | 100.6522% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7654% | 7,106 |
| Loan loss allowance to noncurrent loans | 265.4321% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5190% | 6,166 |
| Noncurrent loans to loans | 0.2884% | 6,655 |
| Net loans and leases to total assets | 49.0437% | 6,538 |
| Net loans and leases to deposits | 56.1772% | 6,714 |
| Net loans and leases to core deposits | 59.2358% | 6,754 |
| Total domestic deposits to total assets | 87.3018% | 2,379 |
| Equity capital to assets | 11.6108% | 2,348 |
| Core capital (leverage) ratio | 11.0876% | 2,176 |
| Tier 1 risk-based capital ratio | 19.5689% | 1,587 |
| Total risk-based capital ratio | 20.2263% | 1,692 |
| Memoranda: | ||
| Average total assets | $56,958,000 | 6,435 |
| Average earning assets | $53,408,330 | 6,350 |
| Average equity | $6,424,670 | 6,331 |
| Average total loans | $28,604,670 | 6,600 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1133% | 4,465 |
| Cost of funding earning assets | 1.1886% | 5,460 |
| Net interest margin | 3.9247% | 3,224 |
| Noninterest income to average assets | 0.5261% | 3,849 |
| Noninterest expense to average assets | 2.4132% | 6,037 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7047% | 611 |
| Return on assets (ROA) | 1.7047% | 663 |
| Pretax return on assets | 1.7959% | 881 |
| Return on Equity (ROE) | 15.3373% | 817 |
| Retained earnings to average equity (ytd only) | -7.5740% | 6,796 |
| Net charge-offs to loans | 0.9978% | 1,644 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 3.5556% | 2,870 |
| Efficiency ratio | 57.1667% | 6,610 |
| Assets per employee ($millions) | 3.1921% | 5,787 |
| Cash dividends to net income (ytd only)* | 149.3827% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7134% | 7,309 |
| Loan loss allowance to noncurrent loans | 2,222.2222% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.3864% | 6,507 |
| Noncurrent loans to loans | 0.0321% | 7,335 |
| Net loans and leases to total assets | 48.4406% | 6,627 |
| Net loans and leases to deposits | 54.9885% | 6,846 |
| Net loans and leases to core deposits | 60.4264% | 6,710 |
| Total domestic deposits to total assets | 88.0922% | 2,006 |
| Equity capital to assets | 11.0655% | 2,707 |
| Core capital (leverage) ratio | 10.9366% | 2,271 |
| Tier 1 risk-based capital ratio | 19.1565% | 1,683 |
| Total risk-based capital ratio | 19.7664% | 1,797 |
| Memoranda: | ||
| Average total assets | $57,019,500 | 6,504 |
| Average earning assets | $53,507,500 | 6,414 |
| Average equity | $6,337,500 | 6,400 |
| Average total loans | $28,862,500 | 6,664 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3604% | 4,887 |
| Cost of funding earning assets | 1.5813% | 5,118 |
| Net interest margin | 3.7791% | 3,798 |
| Noninterest income to average assets | 0.5643% | 3,909 |
| Noninterest expense to average assets | 2.5211% | 6,057 |
| Loan and lease loss provision to assets | 0.0868% | 6,744 |
| Net operating income to assets | 1.4082% | 835 |
| Return on assets (ROA) | 1.4099% | 890 |
| Pretax return on assets | 1.4811% | 1,230 |
| Return on Equity (ROE) | 13.0224% | 954 |
| Retained earnings to average equity (ytd only) | 4.7792% | 1,932 |
| Net charge-offs to loans | 0.1031% | 6,108 |
| Credit loss provision to net charge-offs | 166.6667% | 2,597 |
| Earnings coverage of net charge-offs (x) | 30.0667% | 760 |
| Efficiency ratio | 61.5123% | 6,236 |
| Assets per employee ($millions) | 3.1434% | 5,881 |
| Cash dividends to net income (ytd only)* | 63.3005% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9161% | 6,745 |
| Loan loss allowance to noncurrent loans | 31.0148% | 6,403 |
| Noncurrent assets plus other real estate owned to assets | 1.9264% | 3,492 |
| Noncurrent loans to loans | 2.9537% | 2,605 |
| Net loans and leases to total assets | 51.9963% | 6,420 |
| Net loans and leases to deposits | 59.1107% | 6,699 |
| Net loans and leases to core deposits | 72.5828% | 6,613 |
| Total domestic deposits to total assets | 87.9642% | 1,987 |
| Equity capital to assets | 11.1645% | 2,563 |
| Core capital (leverage) ratio | 10.9979% | 2,225 |
| Tier 1 risk-based capital ratio | 18.9958% | 1,654 |
| Total risk-based capital ratio | 19.8029% | 1,703 |
| Memoranda: | ||
| Average total assets | $57,593,800 | 6,446 |
| Average earning assets | $53,690,200 | 6,387 |
| Average equity | $6,235,400 | 6,519 |
| Average total loans | $29,091,600 | 6,679 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3511% | 5,170 |
| Cost of funding earning assets | 1.6444% | 5,187 |
| Net interest margin | 3.7067% | 4,041 |
| Noninterest income to average assets | 0.4817% | 4,654 |
| Noninterest expense to average assets | 2.3971% | 6,428 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4646% | 893 |
| Return on assets (ROA) | 1.4843% | 901 |
| Pretax return on assets | 1.5604% | 1,264 |
| Return on Equity (ROE) | 13.8158% | 965 |
| Retained earnings to average equity (ytd only) | 2.7889% | 3,773 |
| Net charge-offs to loans | 0.1566% | 5,143 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 19.6479% | 1,276 |
| Efficiency ratio | 60.7143% | 6,318 |
| Assets per employee ($millions) | 3.2647% | 5,482 |
| Cash dividends to net income (ytd only)* | 79.8137% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7451% | 7,274 |
| Loan loss allowance to noncurrent loans | 1,816.6667% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 6,505 |
| Noncurrent loans to loans | 0.0410% | 7,408 |
| Net loans and leases to total assets | 49.4197% | 6,827 |
| Net loans and leases to deposits | 56.1103% | 7,081 |
| Net loans and leases to core deposits | 75.0957% | 6,662 |
| Total domestic deposits to total assets | 88.0760% | 1,622 |
| Equity capital to assets | 10.8110% | 3,201 |
| Core capital (leverage) ratio | 10.4711% | 2,816 |
| Tier 1 risk-based capital ratio | 18.4330% | 1,881 |
| Total risk-based capital ratio | 19.0778% | 1,988 |
| Memoranda: | ||
| Average total assets | $57,847,000 | 6,472 |
| Average earning assets | $53,918,750 | 6,425 |
| Average equity | $6,215,000 | 6,589 |
| Average total loans | $28,941,500 | 6,746 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3658% | 5,323 |
| Cost of funding earning assets | 1.6799% | 5,365 |
| Net interest margin | 3.6859% | 4,013 |
| Noninterest income to average assets | 0.4970% | 4,471 |
| Noninterest expense to average assets | 2.4504% | 6,294 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3919% | 1,043 |
| Return on assets (ROA) | 1.4216% | 1,046 |
| Pretax return on assets | 1.4946% | 1,461 |
| Return on Equity (ROE) | 13.2598% | 1,131 |
| Retained earnings to average equity (ytd only) | -1.7831% | 5,690 |
| Net charge-offs to loans | 0.3052% | 3,656 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 9.5682% | 2,106 |
| Efficiency ratio | 62.4334% | 6,179 |
| Assets per employee ($millions) | 3.3087% | 5,296 |
| Cash dividends to net income (ytd only)* | 113.4474% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7223% | 7,370 |
| Loan loss allowance to noncurrent loans | 577.7778% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.4282% | 6,388 |
| Noncurrent loans to loans | 0.1250% | 7,205 |
| Net loans and leases to total assets | 48.0002% | 7,032 |
| Net loans and leases to deposits | 54.0213% | 7,269 |
| Net loans and leases to core deposits | 71.4229% | 6,938 |
| Total domestic deposits to total assets | 88.8542% | 1,348 |
| Equity capital to assets | 10.1065% | 3,808 |
| Core capital (leverage) ratio | 10.7019% | 2,664 |
| Tier 1 risk-based capital ratio | 18.0967% | 1,989 |
| Total risk-based capital ratio | 18.7191% | 2,117 |
| Memoranda: | ||
| Average total assets | $57,541,330 | 6,532 |
| Average earning assets | $53,338,000 | 6,498 |
| Average equity | $6,169,000 | 6,657 |
| Average total loans | $28,835,670 | 6,801 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5290% | 4,757 |
| Cost of funding earning assets | 1.7357% | 5,449 |
| Net interest margin | 3.7932% | 3,468 |
| Noninterest income to average assets | 0.4811% | 4,499 |
| Noninterest expense to average assets | 2.2641% | 6,648 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7151% | 627 |
| Return on assets (ROA) | 1.7688% | 619 |
| Pretax return on assets | 1.8608% | 876 |
| Return on Equity (ROE) | 16.0154% | 821 |
| Retained earnings to average equity (ytd only) | -7.2389% | 6,822 |
| Net charge-offs to loans | 0.2357% | 3,230 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,631 |
| Efficiency ratio | 55.4783% | 7,037 |
| Assets per employee ($millions) | 3.2708% | 5,399 |
| Cash dividends to net income (ytd only)* | 145.2000% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8139% | 7,109 |
| Loan loss allowance to noncurrent loans | 97.9167% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 6,154 |
| Noncurrent loans to loans | 0.8313% | 5,362 |
| Net loans and leases to total assets | 51.5026% | 6,729 |
| Net loans and leases to deposits | 58.6247% | 6,996 |
| Net loans and leases to core deposits | 70.7733% | 6,976 |
| Total domestic deposits to total assets | 87.8514% | 1,820 |
| Equity capital to assets | 11.0911% | 2,893 |
| Core capital (leverage) ratio | 10.7697% | 2,684 |
| Tier 1 risk-based capital ratio | 18.4181% | 1,957 |
| Total risk-based capital ratio | 19.1411% | 2,028 |
| Memoranda: | ||
| Average total assets | $56,534,000 | 6,605 |
| Average earning assets | $53,464,000 | 6,524 |
| Average equity | $6,244,000 | 6,672 |
| Average total loans | $28,856,000 | 6,827 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9997% | 5,546 |
| Cost of funding earning assets | 2.4586% | 4,431 |
| Net interest margin | 3.5411% | 5,143 |
| Noninterest income to average assets | 0.5905% | 3,912 |
| Noninterest expense to average assets | 2.3743% | 6,491 |
| Loan and lease loss provision to assets | 0.0434% | 6,873 |
| Net operating income to assets | 1.4500% | 1,126 |
| Return on assets (ROA) | 1.4764% | 1,026 |
| Pretax return on assets | 1.5528% | 1,533 |
| Return on Equity (ROE) | 14.6063% | 995 |
| Retained earnings to average equity (ytd only) | 5.7738% | 1,634 |
| Net charge-offs to loans | 0.3287% | 3,205 |
| Credit loss provision to net charge-offs | 27.1739% | 6,549 |
| Earnings coverage of net charge-offs (x) | 9.8152% | 2,630 |
| Efficiency ratio | 60.0441% | 6,330 |
| Assets per employee ($millions) | 3.1925% | 5,502 |
| Cash dividends to net income (ytd only)* | 60.4706% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8738% | 6,798 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 0.5116% | 5,647 |
| Noncurrent loans to loans | 1.0194% | 4,544 |
| Net loans and leases to total assets | 49.7485% | 7,051 |
| Net loans and leases to deposits | 56.7065% | 7,280 |
| Net loans and leases to core deposits | 68.1413% | 7,279 |
| Total domestic deposits to total assets | 87.7299% | 1,591 |
| Equity capital to assets | 10.9997% | 3,041 |
| Core capital (leverage) ratio | 10.7777% | 2,762 |
| Tier 1 risk-based capital ratio | 18.6794% | 1,873 |
| Total risk-based capital ratio | 19.4512% | 1,939 |
| Memoranda: | ||
| Average total assets | $57,574,000 | 6,468 |
| Average earning assets | $54,502,400 | 6,387 |
| Average equity | $5,819,400 | 6,870 |
| Average total loans | $27,986,400 | 6,846 |