Home > Liberty State Bank > Performance and Condition Ratios
Liberty State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3906% | 3,295 |
| Cost of funding earning assets | 1.2794% | 2,575 |
| Net interest margin | 3.1112% | 3,075 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.4630% | 4,353 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.6324% | 822 |
| Return on assets (ROA) | 1.6324% | 790 |
| Pretax return on assets | 1.6324% | 1,177 |
| Return on Equity (ROE) | 31.3700% | 164 |
| Retained earnings to average equity (ytd only) | 31.2172% | 47 |
| Net charge-offs to loans | 0.0134% | 2,154 |
| Credit loss provision to net charge-offs | 816.6667% | 479 |
| Earnings coverage of net charge-offs (x) | 347.0000% | 388 |
| Efficiency ratio | 46.6701% | 4,167 |
| Assets per employee ($millions) | 10.5333% | 611 |
| Cash dividends to net income (ytd only)* | 0.4919% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5973% | 839 |
| Loan loss allowance to noncurrent loans | 39,200.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 3,845 |
| Noncurrent loans to loans | 0.0041% | 3,765 |
| Net loans and leases to total assets | 38.2100% | 4,093 |
| Net loans and leases to deposits | 42.7102% | 4,136 |
| Net loans and leases to core deposits | 51.4608% | 4,047 |
| Total domestic deposits to total assets | 89.4600% | 918 |
| Equity capital to assets | 6.8536% | 3,993 |
| Core capital (leverage) ratio | 14.2596% | 747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $124,540,400 | 3,604 |
| Average earning assets | $119,117,000 | 3,556 |
| Average equity | $6,480,400 | 4,118 |
| Average total loans | $44,700,200 | 3,919 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3420% | 3,207 |
| Cost of funding earning assets | 1.1490% | 2,594 |
| Net interest margin | 3.1930% | 2,934 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 1.3078% | 4,443 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.8408% | 610 |
| Return on assets (ROA) | 1.8408% | 601 |
| Pretax return on assets | 1.8408% | 941 |
| Return on Equity (ROE) | 38.4800% | 126 |
| Retained earnings to average equity (ytd only) | 38.4842% | 52 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 40.9902% | 4,335 |
| Assets per employee ($millions) | 10.0776% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7123% | 681 |
| Loan loss allowance to noncurrent loans | 9,750.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 3,796 |
| Noncurrent loans to loans | 0.0176% | 3,653 |
| Net loans and leases to total assets | 37.0200% | 4,154 |
| Net loans and leases to deposits | 40.4076% | 4,197 |
| Net loans and leases to core deposits | 48.8442% | 4,068 |
| Total domestic deposits to total assets | 91.6300% | 534 |
| Equity capital to assets | 3.6889% | 4,434 |
| Core capital (leverage) ratio | 13.9414% | 838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $124,075,500 | 3,624 |
| Average earning assets | $118,590,250 | 3,577 |
| Average equity | $5,934,750 | 4,176 |
| Average total loans | $43,604,750 | 3,953 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 3,221 |
| Cost of funding earning assets | 0.9736% | 2,692 |
| Net interest margin | 3.2610% | 2,842 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.2803% | 4,480 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.9549% | 496 |
| Return on assets (ROA) | 1.9549% | 495 |
| Pretax return on assets | 1.9549% | 797 |
| Return on Equity (ROE) | 38.0600% | 121 |
| Retained earnings to average equity (ytd only) | 38.0641% | 55 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 39.0161% | 4,419 |
| Assets per employee ($millions) | 11.1481% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7215% | 714 |
| Loan loss allowance to noncurrent loans | 19,250.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 3,854 |
| Noncurrent loans to loans | 0.0089% | 3,725 |
| Net loans and leases to total assets | 35.8500% | 4,177 |
| Net loans and leases to deposits | 39.8181% | 4,219 |
| Net loans and leases to core deposits | 46.9637% | 4,100 |
| Total domestic deposits to total assets | 90.0300% | 915 |
| Equity capital to assets | 5.4408% | 4,304 |
| Core capital (leverage) ratio | 13.2132% | 964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $125,123,667 | 3,625 |
| Average earning assets | $119,962,000 | 3,569 |
| Average equity | $6,426,000 | 4,151 |
| Average total loans | $42,955,000 | 3,978 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 3,217 |
| Cost of funding earning assets | 0.7501% | 2,893 |
| Net interest margin | 3.3689% | 2,712 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 1.2345% | 4,566 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 2.1587% | 393 |
| Return on assets (ROA) | 2.1587% | 388 |
| Pretax return on assets | 2.1587% | 604 |
| Return on Equity (ROE) | 43.2800% | 100 |
| Retained earnings to average equity (ytd only) | 43.2810% | 52 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 35.7470% | 4,544 |
| Assets per employee ($millions) | 11.6697% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8306% | 626 |
| Loan loss allowance to noncurrent loans | 76,000.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 3,937 |
| Noncurrent loans to loans | 0.0024% | 3,846 |
| Net loans and leases to total assets | 31.7500% | 4,328 |
| Net loans and leases to deposits | 35.2295% | 4,348 |
| Net loans and leases to core deposits | 40.9869% | 4,244 |
| Total domestic deposits to total assets | 90.1200% | 1,114 |
| Equity capital to assets | 5.6214% | 4,311 |
| Core capital (leverage) ratio | 12.6823% | 1,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $126,371,000 | 3,655 |
| Average earning assets | $121,584,000 | 3,585 |
| Average equity | $6,303,000 | 4,217 |
| Average total loans | $42,068,500 | 4,034 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4408% | 3,234 |
| Cost of funding earning assets | 0.3871% | 2,199 |
| Net interest margin | 3.0537% | 3,305 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.3291% | 4,547 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.7377% | 502 |
| Return on assets (ROA) | 1.7385% | 476 |
| Pretax return on assets | 1.7385% | 845 |
| Return on Equity (ROE) | 28.2600% | 140 |
| Retained earnings to average equity (ytd only) | 25.5845% | 45 |
| Net charge-offs to loans | 0.0024% | 2,424 |
| Credit loss provision to net charge-offs | 3,200.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 2,146.0000% | 79 |
| Efficiency ratio | 42.9710% | 4,464 |
| Assets per employee ($millions) | 11.3068% | 469 |
| Cash dividends to net income (ytd only)* | 9.4563% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7386% | 751 |
| Loan loss allowance to noncurrent loans | 37,050.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 3,936 |
| Noncurrent loans to loans | 0.0047% | 3,842 |
| Net loans and leases to total assets | 33.6700% | 4,299 |
| Net loans and leases to deposits | 36.8588% | 4,325 |
| Net loans and leases to core deposits | 41.7462% | 4,236 |
| Total domestic deposits to total assets | 91.3500% | 825 |
| Equity capital to assets | 4.3337% | 4,479 |
| Core capital (leverage) ratio | 12.5269% | 1,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $121,657,200 | 3,712 |
| Average earning assets | $113,928,000 | 3,686 |
| Average equity | $7,485,000 | 4,150 |
| Average total loans | $41,265,400 | 4,045 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3575% | 3,026 |
| Cost of funding earning assets | 0.3557% | 1,656 |
| Net interest margin | 3.0019% | 3,215 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.3424% | 4,555 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.6840% | 547 |
| Return on assets (ROA) | 1.6851% | 532 |
| Pretax return on assets | 1.6851% | 931 |
| Return on Equity (ROE) | 25.4500% | 174 |
| Retained earnings to average equity (ytd only) | 22.1252% | 63 |
| Net charge-offs to loans | 0.0033% | 2,107 |
| Credit loss provision to net charge-offs | 2,400.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 1,552.0000% | 84 |
| Efficiency ratio | 43.9711% | 4,468 |
| Assets per employee ($millions) | 10.1165% | 635 |
| Cash dividends to net income (ytd only)* | 13.0804% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6907% | 895 |
| Loan loss allowance to noncurrent loans | 36,650.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,018 |
| Noncurrent loans to loans | 0.0046% | 3,925 |
| Net loans and leases to total assets | 35.1100% | 4,267 |
| Net loans and leases to deposits | 37.8003% | 4,313 |
| Net loans and leases to core deposits | 42.8391% | 4,203 |
| Total domestic deposits to total assets | 92.8800% | 614 |
| Equity capital to assets | 2.6038% | 4,618 |
| Core capital (leverage) ratio | 12.0295% | 1,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $120,977,750 | 3,741 |
| Average earning assets | $112,460,500 | 3,723 |
| Average equity | $8,008,750 | 4,133 |
| Average total loans | $40,926,750 | 4,068 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2040% | 3,030 |
| Cost of funding earning assets | 0.3304% | 1,439 |
| Net interest margin | 2.8736% | 3,237 |
| Noninterest income to average assets | 0.3376% | 3,133 |
| Noninterest expense to average assets | 1.3870% | 4,539 |
| Loan and lease loss provision to assets | 0.0265% | 2,120 |
| Net operating income to assets | 1.5873% | 566 |
| Return on assets (ROA) | 1.5856% | 561 |
| Pretax return on assets | 1.5856% | 976 |
| Return on Equity (ROE) | 19.9072% | 311 |
| Retained earnings to average equity (ytd only) | 15.7512% | 210 |
| Net charge-offs to loans | 0.0050% | 1,837 |
| Credit loss provision to net charge-offs | 1,600.0000% | 286 |
| Earnings coverage of net charge-offs (x) | 975.0000% | 132 |
| Efficiency ratio | 46.2217% | 4,441 |
| Assets per employee ($millions) | 10.1977% | 622 |
| Cash dividends to net income (ytd only)* | 20.8768% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7432% | 883 |
| Loan loss allowance to noncurrent loans | 36,250.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,063 |
| Noncurrent loans to loans | 0.0048% | 3,960 |
| Net loans and leases to total assets | 33.3933% | 4,352 |
| Net loans and leases to deposits | 36.7932% | 4,373 |
| Net loans and leases to core deposits | 41.7781% | 4,266 |
| Total domestic deposits to total assets | 90.7593% | 1,357 |
| Equity capital to assets | 4.8034% | 4,517 |
| Core capital (leverage) ratio | 11.2351% | 1,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,837,667 | 3,792 |
| Average earning assets | $111,986,000 | 3,785 |
| Average equity | $9,624,667 | 4,038 |
| Average total loans | $40,117,667 | 4,136 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0882% | 3,012 |
| Cost of funding earning assets | 0.3222% | 1,444 |
| Net interest margin | 2.7659% | 3,237 |
| Noninterest income to average assets | 0.2232% | 3,821 |
| Noninterest expense to average assets | 1.4258% | 4,508 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3425% | 919 |
| Return on assets (ROA) | 1.3425% | 905 |
| Pretax return on assets | 1.3425% | 1,401 |
| Return on Equity (ROE) | 14.0198% | 826 |
| Retained earnings to average equity (ytd only) | 7.0621% | 1,878 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5042% | 4,227 |
| Assets per employee ($millions) | 9.3628% | 807 |
| Cash dividends to net income (ytd only)* | 49.6278% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8111% | 864 |
| Loan loss allowance to noncurrent loans | 11,816.6667% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 4,039 |
| Noncurrent loans to loans | 0.0153% | 3,901 |
| Net loans and leases to total assets | 31.5801% | 4,399 |
| Net loans and leases to deposits | 35.8096% | 4,389 |
| Net loans and leases to core deposits | 38.7871% | 4,346 |
| Total domestic deposits to total assets | 88.1889% | 2,439 |
| Equity capital to assets | 7.3934% | 3,992 |
| Core capital (leverage) ratio | 11.0179% | 1,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,070,500 | 3,818 |
| Average earning assets | $110,486,500 | 3,813 |
| Average equity | $11,498,000 | 3,906 |
| Average total loans | $39,382,000 | 4,167 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2260% | 3,418 |
| Cost of funding earning assets | 0.3264% | 2,150 |
| Net interest margin | 2.8996% | 3,440 |
| Noninterest income to average assets | 0.1512% | 4,390 |
| Noninterest expense to average assets | 1.2811% | 4,689 |
| Loan and lease loss provision to assets | 0.0172% | 2,730 |
| Net operating income to assets | 1.5391% | 939 |
| Return on assets (ROA) | 1.6595% | 726 |
| Pretax return on assets | 1.6595% | 1,246 |
| Return on Equity (ROE) | 13.1689% | 1,412 |
| Retained earnings to average equity (ytd only) | 8.1398% | 1,485 |
| Net charge-offs to loans | -0.0536% | 4,356 |
| Credit loss provision to net charge-offs | -86.3636% | 3,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1500% | 4,532 |
| Assets per employee ($millions) | 9.8688% | 691 |
| Cash dividends to net income (ytd only)* | 38.1888% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7922% | 877 |
| Loan loss allowance to noncurrent loans | 23,666.6667% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,168 |
| Noncurrent loans to loans | 0.0076% | 4,049 |
| Net loans and leases to total assets | 32.8537% | 4,414 |
| Net loans and leases to deposits | 40.0806% | 4,336 |
| Net loans and leases to core deposits | 43.7905% | 4,273 |
| Total domestic deposits to total assets | 81.9692% | 3,972 |
| Equity capital to assets | 11.8193% | 1,337 |
| Core capital (leverage) ratio | 11.3090% | 1,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,452,200 | 3,888 |
| Average earning assets | $102,324,600 | 3,884 |
| Average equity | $13,919,200 | 3,747 |
| Average total loans | $41,054,000 | 4,163 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2729% | 3,454 |
| Cost of funding earning assets | 0.3288% | 2,315 |
| Net interest margin | 2.9441% | 3,450 |
| Noninterest income to average assets | 0.1315% | 4,539 |
| Noninterest expense to average assets | 1.3178% | 4,738 |
| Loan and lease loss provision to assets | 0.0286% | 2,427 |
| Net operating income to assets | 1.5047% | 1,264 |
| Return on assets (ROA) | 1.6682% | 929 |
| Pretax return on assets | 1.6682% | 1,491 |
| Return on Equity (ROE) | 13.0167% | 1,686 |
| Retained earnings to average equity (ytd only) | 9.6594% | 1,425 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2268% | 4,490 |
| Assets per employee ($millions) | 9.5223% | 764 |
| Cash dividends to net income (ytd only)* | 25.7922% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6763% | 1,157 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 35.4692% | 4,413 |
| Net loans and leases to deposits | 42.8408% | 4,350 |
| Net loans and leases to core deposits | 46.9130% | 4,283 |
| Total domestic deposits to total assets | 82.7931% | 3,760 |
| Equity capital to assets | 12.4471% | 1,199 |
| Core capital (leverage) ratio | 11.8417% | 1,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,459,000 | 3,958 |
| Average earning assets | $100,174,000 | 3,957 |
| Average equity | $13,899,750 | 3,798 |
| Average total loans | $41,413,250 | 4,208 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3044% | 3,410 |
| Cost of funding earning assets | 0.3458% | 2,351 |
| Net interest margin | 2.9586% | 3,427 |
| Noninterest income to average assets | 0.1352% | 4,525 |
| Noninterest expense to average assets | 1.3162% | 4,781 |
| Loan and lease loss provision to assets | 0.0282% | 2,418 |
| Net operating income to assets | 1.5058% | 1,270 |
| Return on assets (ROA) | 1.7555% | 829 |
| Pretax return on assets | 1.7555% | 1,340 |
| Return on Equity (ROE) | 13.5586% | 1,545 |
| Retained earnings to average equity (ytd only) | 8.4832% | 1,901 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1792% | 4,504 |
| Assets per employee ($millions) | 9.0390% | 847 |
| Cash dividends to net income (ytd only)* | 37.4332% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5886% | 1,302 |
| 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 | 39.0087% | 4,329 |
| Net loans and leases to deposits | 45.0109% | 4,349 |
| Net loans and leases to core deposits | 49.1686% | 4,270 |
| Total domestic deposits to total assets | 86.6652% | 2,487 |
| Equity capital to assets | 12.9273% | 967 |
| Core capital (leverage) ratio | 11.8832% | 1,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,522,667 | 3,993 |
| Average earning assets | $97,748,333 | 3,995 |
| Average equity | $13,792,000 | 3,811 |
| Average total loans | $41,477,333 | 4,248 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3005% | 3,447 |
| Cost of funding earning assets | 0.3611% | 2,437 |
| Net interest margin | 2.9394% | 3,410 |
| Noninterest income to average assets | 0.1137% | 4,625 |
| Noninterest expense to average assets | 1.2999% | 4,821 |
| Loan and lease loss provision to assets | 0.0303% | 2,381 |
| Net operating income to assets | 1.4363% | 1,479 |
| Return on assets (ROA) | 1.4363% | 1,552 |
| Pretax return on assets | 1.4363% | 2,181 |
| Return on Equity (ROE) | 11.0843% | 2,335 |
| Retained earnings to average equity (ytd only) | 8.1597% | 2,187 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9863% | 4,408 |
| Assets per employee ($millions) | 8.9671% | 848 |
| Cash dividends to net income (ytd only)* | 26.3852% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6578% | 1,149 |
| Loan loss allowance to noncurrent loans | 704.1667% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 3,746 |
| Noncurrent loans to loans | 0.2354% | 3,262 |
| Net loans and leases to total assets | 37.2659% | 4,441 |
| Net loans and leases to deposits | 43.7505% | 4,429 |
| Net loans and leases to core deposits | 47.8989% | 4,378 |
| Total domestic deposits to total assets | 85.1782% | 3,033 |
| Equity capital to assets | 12.5849% | 1,050 |
| Core capital (leverage) ratio | 11.9032% | 1,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,550,000 | 4,008 |
| Average earning assets | $95,258,000 | 4,037 |
| Average equity | $13,677,000 | 3,828 |
| Average total loans | $40,718,500 | 4,290 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6746% | 3,642 |
| Cost of funding earning assets | 0.5079% | 2,905 |
| Net interest margin | 3.1668% | 3,445 |
| Noninterest income to average assets | 0.1620% | 4,486 |
| Noninterest expense to average assets | 1.4053% | 4,834 |
| Loan and lease loss provision to assets | 0.0304% | 4,018 |
| Net operating income to assets | 1.6746% | 532 |
| Return on assets (ROA) | 1.6746% | 571 |
| Pretax return on assets | 1.6746% | 896 |
| Return on Equity (ROE) | 12.8496% | 1,076 |
| Retained earnings to average equity (ytd only) | 5.8577% | 1,867 |
| Net charge-offs to loans | 0.0048% | 3,182 |
| Credit loss provision to net charge-offs | 1,500.0000% | 551 |
| Earnings coverage of net charge-offs (x) | 842.0000% | 142 |
| Efficiency ratio | 45.1823% | 4,748 |
| Assets per employee ($millions) | 8.6246% | 861 |
| Cash dividends to net income (ytd only)* | 54.4135% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6429% | 1,187 |
| 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 | 38.6424% | 4,495 |
| Net loans and leases to deposits | 45.8016% | 4,474 |
| Net loans and leases to core deposits | 50.3741% | 4,406 |
| Total domestic deposits to total assets | 84.3693% | 2,993 |
| Equity capital to assets | 13.3456% | 985 |
| Core capital (leverage) ratio | 11.8708% | 1,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,772,400 | 4,016 |
| Average earning assets | $91,954,800 | 3,999 |
| Average equity | $12,872,000 | 3,875 |
| Average total loans | $41,968,800 | 4,275 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7085% | 3,785 |
| Cost of funding earning assets | 0.5356% | 3,021 |
| Net interest margin | 3.1729% | 3,558 |
| Noninterest income to average assets | 0.1353% | 4,619 |
| Noninterest expense to average assets | 1.4004% | 4,862 |
| Loan and lease loss provision to assets | 0.0297% | 3,962 |
| Net operating income to assets | 1.6914% | 582 |
| Return on assets (ROA) | 1.6914% | 648 |
| Pretax return on assets | 1.6914% | 982 |
| Return on Equity (ROE) | 13.0618% | 1,093 |
| Retained earnings to average equity (ytd only) | 5.1488% | 2,500 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8578% | 4,761 |
| Assets per employee ($millions) | 8.5387% | 828 |
| Cash dividends to net income (ytd only)* | 60.5816% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4887% | 1,422 |
| Loan loss allowance to noncurrent loans | 9,457.1429% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 4,482 |
| Noncurrent loans to loans | 0.0157% | 4,373 |
| Net loans and leases to total assets | 42.7516% | 4,470 |
| Net loans and leases to deposits | 52.3990% | 4,396 |
| Net loans and leases to core deposits | 57.8078% | 4,313 |
| Total domestic deposits to total assets | 81.5887% | 3,520 |
| Equity capital to assets | 13.0661% | 1,153 |
| Core capital (leverage) ratio | 11.8049% | 1,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,591,750 | 4,027 |
| Average earning assets | $91,859,000 | 3,998 |
| Average equity | $12,637,000 | 3,908 |
| Average total loans | $42,295,750 | 4,296 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7426% | 3,996 |
| Cost of funding earning assets | 0.5833% | 3,059 |
| Net interest margin | 3.1594% | 3,767 |
| Noninterest income to average assets | 0.1375% | 4,616 |
| Noninterest expense to average assets | 1.3817% | 4,910 |
| Loan and lease loss provision to assets | 0.0313% | 3,869 |
| Net operating income to assets | 1.7047% | 617 |
| Return on assets (ROA) | 1.7047% | 671 |
| Pretax return on assets | 1.7047% | 993 |
| Return on Equity (ROE) | 13.2078% | 1,052 |
| Retained earnings to average equity (ytd only) | 5.1346% | 2,407 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3182% | 4,799 |
| Assets per employee ($millions) | 8.1833% | 907 |
| Cash dividends to net income (ytd only)* | 61.1247% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 1,314 |
| Loan loss allowance to noncurrent loans | 5,954.5455% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 4,519 |
| Noncurrent loans to loans | 0.0249% | 4,383 |
| Net loans and leases to total assets | 44.3198% | 4,439 |
| Net loans and leases to deposits | 51.4712% | 4,462 |
| Net loans and leases to core deposits | 56.5184% | 4,417 |
| Total domestic deposits to total assets | 86.1059% | 1,965 |
| Equity capital to assets | 13.3921% | 1,008 |
| Core capital (leverage) ratio | 12.1481% | 1,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,967,667 | 4,050 |
| Average earning assets | $90,524,333 | 4,019 |
| Average equity | $12,386,667 | 3,937 |
| Average total loans | $41,572,000 | 4,321 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7861% | 4,256 |
| Cost of funding earning assets | 0.6408% | 3,220 |
| Net interest margin | 3.1453% | 3,994 |
| Noninterest income to average assets | 0.1349% | 4,693 |
| Noninterest expense to average assets | 1.2947% | 5,006 |
| Loan and lease loss provision to assets | 0.0337% | 3,347 |
| Net operating income to assets | 1.7459% | 460 |
| Return on assets (ROA) | 1.7459% | 504 |
| Pretax return on assets | 1.7459% | 779 |
| Return on Equity (ROE) | 13.7948% | 740 |
| Retained earnings to average equity (ytd only) | 5.4646% | 2,081 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1125% | 4,942 |
| Assets per employee ($millions) | 8.7661% | 575 |
| Cash dividends to net income (ytd only)* | 60.3865% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6689% | 919 |
| Loan loss allowance to noncurrent loans | 841.5584% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 4,209 |
| Noncurrent loans to loans | 0.1983% | 3,770 |
| Net loans and leases to total assets | 39.5937% | 4,679 |
| Net loans and leases to deposits | 45.3239% | 4,737 |
| Net loans and leases to core deposits | 49.1206% | 4,697 |
| Total domestic deposits to total assets | 87.3573% | 1,401 |
| Equity capital to assets | 12.1512% | 1,959 |
| Core capital (leverage) ratio | 12.2742% | 1,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,851,500 | 4,064 |
| Average earning assets | $88,639,500 | 4,044 |
| Average equity | $12,004,500 | 3,999 |
| Average total loans | $40,269,500 | 4,369 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2302% | 3,731 |
| Cost of funding earning assets | 0.7114% | 3,111 |
| Net interest margin | 3.5188% | 3,390 |
| Noninterest income to average assets | 0.2084% | 4,416 |
| Noninterest expense to average assets | 1.6704% | 4,900 |
| Loan and lease loss provision to assets | 0.0727% | 2,544 |
| Net operating income to assets | 1.7670% | 568 |
| Return on assets (ROA) | 1.7963% | 557 |
| Pretax return on assets | 1.7963% | 949 |
| Return on Equity (ROE) | 14.1664% | 866 |
| Retained earnings to average equity (ytd only) | 7.3186% | 1,245 |
| Net charge-offs to loans | 0.0645% | 2,173 |
| Credit loss provision to net charge-offs | 248.1481% | 1,095 |
| Earnings coverage of net charge-offs (x) | 62.7778% | 956 |
| Efficiency ratio | 47.5881% | 4,850 |
| Assets per employee ($millions) | 8.4796% | 598 |
| Cash dividends to net income (ytd only)* | 48.3384% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 1,127 |
| 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 | 44.0328% | 4,600 |
| Net loans and leases to deposits | 50.9977% | 4,648 |
| Net loans and leases to core deposits | 55.4735% | 4,606 |
| Total domestic deposits to total assets | 86.3427% | 1,913 |
| Equity capital to assets | 13.1781% | 1,424 |
| Core capital (leverage) ratio | 12.2395% | 1,635 |
| Tier 1 risk-based capital ratio | 23.5688% | 859 |
| Total risk-based capital ratio | 24.8194% | 847 |
| Memoranda: | ||
| Average total assets | $92,132,800 | 4,109 |
| Average earning assets | $86,450,000 | 4,091 |
| Average equity | $11,682,600 | 4,036 |
| Average total loans | $41,845,800 | 4,363 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2360% | 3,842 |
| Cost of funding earning assets | 0.6875% | 3,272 |
| Net interest margin | 3.5485% | 3,412 |
| Noninterest income to average assets | 0.1858% | 4,610 |
| Noninterest expense to average assets | 1.6491% | 4,963 |
| Loan and lease loss provision to assets | 0.0465% | 2,970 |
| Net operating income to assets | 1.8247% | 581 |
| Return on assets (ROA) | 1.8639% | 573 |
| Pretax return on assets | 1.8639% | 952 |
| Return on Equity (ROE) | 14.8476% | 809 |
| Retained earnings to average equity (ytd only) | 9.0658% | 1,025 |
| Net charge-offs to loans | -0.0032% | 4,114 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8454% | 4,900 |
| Assets per employee ($millions) | 7.9327% | 710 |
| Cash dividends to net income (ytd only)* | 38.9407% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 1,550 |
| Loan loss allowance to noncurrent loans | 31,650.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,766 |
| Noncurrent loans to loans | 0.0044% | 4,669 |
| Net loans and leases to total assets | 46.5711% | 4,573 |
| Net loans and leases to deposits | 57.9799% | 4,476 |
| Net loans and leases to core deposits | 63.3296% | 4,413 |
| Total domestic deposits to total assets | 80.3229% | 3,916 |
| Equity capital to assets | 13.0105% | 1,618 |
| Core capital (leverage) ratio | 12.1127% | 1,779 |
| Tier 1 risk-based capital ratio | 21.7944% | 1,098 |
| Total risk-based capital ratio | 22.9999% | 1,075 |
| Memoranda: | ||
| Average total assets | $91,847,000 | 4,165 |
| Average earning assets | $86,306,500 | 4,145 |
| Average equity | $11,530,250 | 4,093 |
| Average total loans | $41,879,250 | 4,421 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1614% | 4,017 |
| Cost of funding earning assets | 0.6256% | 3,527 |
| Net interest margin | 3.5358% | 3,484 |
| Noninterest income to average assets | 0.1808% | 4,666 |
| Noninterest expense to average assets | 1.7039% | 4,974 |
| Loan and lease loss provision to assets | 0.0573% | 2,678 |
| Net operating income to assets | 1.7458% | 665 |
| Return on assets (ROA) | 1.8053% | 608 |
| Pretax return on assets | 1.8053% | 1,014 |
| Return on Equity (ROE) | 14.5660% | 857 |
| Retained earnings to average equity (ytd only) | 10.1198% | 721 |
| Net charge-offs to loans | -0.0098% | 4,318 |
| Credit loss provision to net charge-offs | -1,300.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5858% | 4,863 |
| Assets per employee ($millions) | 6.5934% | 1,195 |
| Cash dividends to net income (ytd only)* | 30.5250% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 1,333 |
| Loan loss allowance to noncurrent loans | 31,400.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,816 |
| Noncurrent loans to loans | 0.0047% | 4,712 |
| Net loans and leases to total assets | 45.2338% | 4,674 |
| Net loans and leases to deposits | 54.6769% | 4,654 |
| Net loans and leases to core deposits | 59.9414% | 4,578 |
| Total domestic deposits to total assets | 82.7294% | 3,296 |
| Equity capital to assets | 12.9264% | 1,619 |
| Core capital (leverage) ratio | 12.4572% | 1,557 |
| Tier 1 risk-based capital ratio | 22.6409% | 979 |
| Total risk-based capital ratio | 23.8910% | 966 |
| Memoranda: | ||
| Average total assets | $90,732,000 | 4,206 |
| Average earning assets | $85,356,000 | 4,188 |
| Average equity | $11,245,330 | 4,138 |
| Average total loans | $40,850,670 | 4,479 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 4,129 |
| Cost of funding earning assets | 0.5908% | 3,626 |
| Net interest margin | 3.5069% | 3,575 |
| Noninterest income to average assets | 0.1601% | 4,776 |
| Noninterest expense to average assets | 1.5209% | 5,154 |
| Loan and lease loss provision to assets | 0.0267% | 3,075 |
| Net operating income to assets | 1.9123% | 451 |
| Return on assets (ROA) | 1.9123% | 467 |
| Pretax return on assets | 1.9123% | 775 |
| Return on Equity (ROE) | 15.7769% | 622 |
| Retained earnings to average equity (ytd only) | 6.6043% | 2,198 |
| Net charge-offs to loans | -0.0299% | 4,643 |
| Credit loss provision to net charge-offs | -200.0000% | 3,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9589% | 5,104 |
| Assets per employee ($millions) | 6.4774% | 1,252 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5498% | 1,185 |
| Loan loss allowance to noncurrent loans | 30,450.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,886 |
| Noncurrent loans to loans | 0.0051% | 4,781 |
| Net loans and leases to total assets | 42.6607% | 4,808 |
| Net loans and leases to deposits | 48.9442% | 4,854 |
| Net loans and leases to core deposits | 50.6852% | 4,869 |
| Total domestic deposits to total assets | 87.1619% | 1,735 |
| Equity capital to assets | 12.3584% | 1,815 |
| Core capital (leverage) ratio | 12.1268% | 1,700 |
| Tier 1 risk-based capital ratio | 23.0579% | 927 |
| Total risk-based capital ratio | 24.3087% | 909 |
| Memoranda: | ||
| Average total assets | $89,944,500 | 4,268 |
| Average earning assets | $84,634,000 | 4,247 |
| Average equity | $10,902,000 | 4,208 |
| Average total loans | $40,085,000 | 4,539 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 3,663 |
| Cost of funding earning assets | 0.4029% | 3,971 |
| Net interest margin | 3.7223% | 2,957 |
| Noninterest income to average assets | 0.2336% | 4,514 |
| Noninterest expense to average assets | 1.6470% | 5,138 |
| Loan and lease loss provision to assets | 0.0344% | 3,508 |
| Net operating income to assets | 2.0547% | 316 |
| Return on assets (ROA) | 2.0558% | 316 |
| Pretax return on assets | 2.0558% | 489 |
| Return on Equity (ROE) | 17.5033% | 438 |
| Retained earnings to average equity (ytd only) | 7.7522% | 1,348 |
| Net charge-offs to loans | 0.0123% | 3,270 |
| Credit loss provision to net charge-offs | 600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | 364.8000% | 283 |
| Efficiency ratio | 44.0834% | 5,177 |
| Assets per employee ($millions) | 6.8620% | 1,044 |
| Cash dividends to net income (ytd only)* | 55.7103% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4679% | 1,392 |
| Loan loss allowance to noncurrent loans | 10,000.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 4,880 |
| Noncurrent loans to loans | 0.0147% | 4,733 |
| Net loans and leases to total assets | 45.1483% | 4,774 |
| Net loans and leases to deposits | 52.1670% | 4,818 |
| Net loans and leases to core deposits | 53.6986% | 4,857 |
| Total domestic deposits to total assets | 86.5457% | 1,990 |
| Equity capital to assets | 11.8792% | 1,983 |
| Core capital (leverage) ratio | 11.8612% | 1,827 |
| Tier 1 risk-based capital ratio | 21.8986% | 1,045 |
| Total risk-based capital ratio | 23.1311% | 1,030 |
| Memoranda: | ||
| Average total assets | $87,312,200 | 4,310 |
| Average earning assets | $82,153,400 | 4,281 |
| Average equity | $10,255,200 | 4,273 |
| Average total loans | $40,763,600 | 4,529 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0553% | 3,773 |
| Cost of funding earning assets | 0.3589% | 4,124 |
| Net interest margin | 3.6964% | 3,034 |
| Noninterest income to average assets | 0.2165% | 4,673 |
| Noninterest expense to average assets | 1.6874% | 5,149 |
| Loan and lease loss provision to assets | 0.0384% | 3,235 |
| Net operating income to assets | 1.9699% | 410 |
| Return on assets (ROA) | 1.9714% | 404 |
| Pretax return on assets | 1.9714% | 669 |
| Return on Equity (ROE) | 16.8338% | 566 |
| Retained earnings to average equity (ytd only) | 7.0010% | 2,127 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6585% | 5,159 |
| Assets per employee ($millions) | 7.4453% | 793 |
| Cash dividends to net income (ytd only)* | 58.4114% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 1,640 |
| Loan loss allowance to noncurrent loans | 5,454.5455% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 4,947 |
| Noncurrent loans to loans | 0.0260% | 4,778 |
| Net loans and leases to total assets | 46.7636% | 4,766 |
| Net loans and leases to deposits | 56.5726% | 4,718 |
| Net loans and leases to core deposits | 58.3072% | 4,769 |
| Total domestic deposits to total assets | 82.6612% | 3,415 |
| Equity capital to assets | 11.2051% | 2,467 |
| Core capital (leverage) ratio | 11.7404% | 1,978 |
| Tier 1 risk-based capital ratio | 21.1959% | 1,157 |
| Total risk-based capital ratio | 22.4188% | 1,143 |
| Memoranda: | ||
| Average total assets | $86,838,750 | 4,366 |
| Average earning assets | $81,735,000 | 4,334 |
| Average equity | $10,169,750 | 4,324 |
| Average total loans | $40,735,750 | 4,573 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0251% | 3,712 |
| Cost of funding earning assets | 0.3039% | 4,386 |
| Net interest margin | 3.7212% | 2,854 |
| Noninterest income to average assets | 0.2349% | 4,611 |
| Noninterest expense to average assets | 1.6674% | 5,219 |
| Loan and lease loss provision to assets | 0.0349% | 3,215 |
| Net operating income to assets | 2.0348% | 354 |
| Return on assets (ROA) | 2.0371% | 349 |
| Pretax return on assets | 2.0371% | 561 |
| Return on Equity (ROE) | 17.1384% | 507 |
| Retained earnings to average equity (ytd only) | 7.3562% | 1,899 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6173% | 5,264 |
| Assets per employee ($millions) | 7.3223% | 825 |
| Cash dividends to net income (ytd only)* | 57.0776% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 1,614 |
| Loan loss allowance to noncurrent loans | 19,666.6667% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 5,047 |
| Noncurrent loans to loans | 0.0073% | 4,922 |
| Net loans and leases to total assets | 46.0651% | 4,823 |
| Net loans and leases to deposits | 54.4889% | 4,822 |
| Net loans and leases to core deposits | 56.1465% | 4,861 |
| Total domestic deposits to total assets | 84.5403% | 2,852 |
| Equity capital to assets | 11.5106% | 2,192 |
| Core capital (leverage) ratio | 11.8522% | 1,801 |
| Tier 1 risk-based capital ratio | 21.3981% | 1,109 |
| Total risk-based capital ratio | 22.6308% | 1,095 |
| Memoranda: | ||
| Average total assets | $86,004,000 | 4,414 |
| Average earning assets | $80,942,330 | 4,384 |
| Average equity | $10,222,670 | 4,352 |
| Average total loans | $40,187,670 | 4,636 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0109% | 3,566 |
| Cost of funding earning assets | 0.2908% | 4,412 |
| Net interest margin | 3.7201% | 2,728 |
| Noninterest income to average assets | 0.2915% | 4,214 |
| Noninterest expense to average assets | 1.6645% | 5,275 |
| Loan and lease loss provision to assets | 0.0282% | 3,146 |
| Net operating income to assets | 2.0876% | 304 |
| Return on assets (ROA) | 2.0876% | 305 |
| Pretax return on assets | 2.0876% | 478 |
| Return on Equity (ROE) | 17.2813% | 484 |
| Retained earnings to average equity (ytd only) | 17.2813% | 183 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.4776% | 5,565 |
| Assets per employee ($millions) | 7.2786% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 1,447 |
| Loan loss allowance to noncurrent loans | 1,417.0732% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 4,875 |
| Noncurrent loans to loans | 0.1062% | 4,498 |
| Net loans and leases to total assets | 43.5284% | 4,917 |
| Net loans and leases to deposits | 49.6345% | 4,975 |
| Net loans and leases to core deposits | 51.1710% | 5,008 |
| Total domestic deposits to total assets | 87.6979% | 1,790 |
| Equity capital to assets | 11.8166% | 1,905 |
| Core capital (leverage) ratio | 12.1945% | 1,532 |
| Tier 1 risk-based capital ratio | 22.1954% | 1,026 |
| Total risk-based capital ratio | 23.4462% | 1,006 |
| Memoranda: | ||
| Average total assets | $85,072,500 | 4,474 |
| Average earning assets | $79,783,500 | 4,449 |
| Average equity | $10,277,000 | 4,386 |
| Average total loans | $39,748,500 | 4,699 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0493% | 3,248 |
| Cost of funding earning assets | 0.2743% | 4,369 |
| Net interest margin | 3.7750% | 2,520 |
| Noninterest income to average assets | 0.2166% | 4,860 |
| Noninterest expense to average assets | 1.6045% | 5,412 |
| Loan and lease loss provision to assets | 0.0702% | 2,797 |
| Net operating income to assets | 2.1055% | 229 |
| Return on assets (ROA) | 2.1055% | 236 |
| Pretax return on assets | 2.1055% | 393 |
| Return on Equity (ROE) | 17.6869% | 332 |
| Retained earnings to average equity (ytd only) | 7.0138% | 1,070 |
| Net charge-offs to loans | -0.0094% | 4,777 |
| Credit loss provision to net charge-offs | -1,450.0000% | 5,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4456% | 5,487 |
| Assets per employee ($millions) | 7.5275% | 752 |
| Cash dividends to net income (ytd only)* | 60.3448% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 1,741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 48.6969% | 4,723 |
| Net loans and leases to deposits | 55.8453% | 4,810 |
| Net loans and leases to core deposits | 57.6795% | 4,862 |
| Total domestic deposits to total assets | 87.1996% | 1,899 |
| Equity capital to assets | 12.3584% | 1,596 |
| Core capital (leverage) ratio | 11.7119% | 1,787 |
| Tier 1 risk-based capital ratio | 21.0587% | 1,138 |
| Total risk-based capital ratio | 22.2860% | 1,116 |
| Memoranda: | ||
| Average total assets | $82,642,400 | 4,541 |
| Average earning assets | $78,014,200 | 4,497 |
| Average equity | $9,837,800 | 4,480 |
| Average total loans | $42,564,600 | 4,655 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0789% | 3,056 |
| Cost of funding earning assets | 0.2549% | 4,522 |
| Net interest margin | 3.8240% | 2,304 |
| Noninterest income to average assets | 0.1759% | 5,135 |
| Noninterest expense to average assets | 1.5883% | 5,461 |
| Loan and lease loss provision to assets | 0.0597% | 2,886 |
| Net operating income to assets | 2.1355% | 248 |
| Return on assets (ROA) | 2.1355% | 251 |
| Pretax return on assets | 2.1355% | 421 |
| Return on Equity (ROE) | 18.1123% | 324 |
| Retained earnings to average equity (ytd only) | 8.5291% | 1,002 |
| Net charge-offs to loans | -0.0155% | 4,763 |
| Credit loss provision to net charge-offs | -740.0000% | 4,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9795% | 5,536 |
| Assets per employee ($millions) | 6.6482% | 1,101 |
| Cash dividends to net income (ytd only)* | 52.9099% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 2,534 |
| Loan loss allowance to noncurrent loans | 382.7586% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 4,433 |
| Noncurrent loans to loans | 0.3312% | 3,762 |
| Net loans and leases to total assets | 50.0197% | 4,699 |
| Net loans and leases to deposits | 62.6349% | 4,469 |
| Net loans and leases to core deposits | 64.7864% | 4,565 |
| Total domestic deposits to total assets | 79.8591% | 4,342 |
| Equity capital to assets | 11.9524% | 1,995 |
| Core capital (leverage) ratio | 11.4416% | 2,062 |
| Tier 1 risk-based capital ratio | 19.4350% | 1,494 |
| Total risk-based capital ratio | 20.5360% | 1,478 |
| Memoranda: | ||
| Average total assets | $82,602,500 | 4,584 |
| Average earning assets | $77,926,750 | 4,538 |
| Average equity | $9,739,000 | 4,538 |
| Average total loans | $42,981,500 | 4,688 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0557% | 2,991 |
| Cost of funding earning assets | 0.2218% | 4,788 |
| Net interest margin | 3.8339% | 2,159 |
| Noninterest income to average assets | 0.1525% | 5,298 |
| Noninterest expense to average assets | 1.6526% | 5,452 |
| Loan and lease loss provision to assets | 0.0320% | 3,358 |
| Net operating income to assets | 2.0805% | 264 |
| Return on assets (ROA) | 2.0805% | 271 |
| Pretax return on assets | 2.0805% | 465 |
| Return on Equity (ROE) | 17.7321% | 351 |
| Retained earnings to average equity (ytd only) | 3.0602% | 3,888 |
| Net charge-offs to loans | -0.0281% | 4,928 |
| Credit loss provision to net charge-offs | -216.6667% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8929% | 5,529 |
| Assets per employee ($millions) | 6.9947% | 939 |
| Cash dividends to net income (ytd only)* | 82.7423% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 2,887 |
| Loan loss allowance to noncurrent loans | 26,600.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 5,307 |
| Noncurrent loans to loans | 0.0046% | 5,178 |
| Net loans and leases to total assets | 51.2593% | 4,626 |
| Net loans and leases to deposits | 61.4494% | 4,535 |
| Net loans and leases to core deposits | 63.5262% | 4,639 |
| Total domestic deposits to total assets | 83.4171% | 3,421 |
| Equity capital to assets | 11.8102% | 2,068 |
| Core capital (leverage) ratio | 11.3137% | 2,114 |
| Tier 1 risk-based capital ratio | 18.6891% | 1,667 |
| Total risk-based capital ratio | 19.7558% | 1,674 |
| Memoranda: | ||
| Average total assets | $81,328,000 | 4,641 |
| Average earning assets | $76,632,330 | 4,600 |
| Average equity | $9,542,000 | 4,585 |
| Average total loans | $42,713,670 | 4,725 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0084% | 3,007 |
| Cost of funding earning assets | 0.2129% | 4,857 |
| Net interest margin | 3.7955% | 2,128 |
| Noninterest income to average assets | 0.1200% | 5,514 |
| Noninterest expense to average assets | 1.5845% | 5,571 |
| Loan and lease loss provision to assets | 0.0300% | 3,175 |
| Net operating income to assets | 2.0694% | 273 |
| Return on assets (ROA) | 2.0694% | 282 |
| Pretax return on assets | 2.0694% | 441 |
| Return on Equity (ROE) | 17.6989% | 357 |
| Retained earnings to average equity (ytd only) | 0.5985% | 4,778 |
| Net charge-offs to loans | -0.0567% | 5,240 |
| Credit loss provision to net charge-offs | -100.0000% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0122% | 5,625 |
| Assets per employee ($millions) | 6.2475% | 1,329 |
| Cash dividends to net income (ytd only)* | 96.6184% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 50.1281% | 4,660 |
| Net loans and leases to deposits | 57.0850% | 4,755 |
| Net loans and leases to core deposits | 58.9753% | 4,828 |
| Total domestic deposits to total assets | 87.8130% | 1,816 |
| Equity capital to assets | 11.6083% | 2,106 |
| Core capital (leverage) ratio | 11.5270% | 1,924 |
| Tier 1 risk-based capital ratio | 19.0529% | 1,604 |
| Total risk-based capital ratio | 20.1414% | 1,601 |
| Memoranda: | ||
| Average total assets | $80,024,000 | 4,709 |
| Average earning assets | $75,142,500 | 4,679 |
| Average equity | $9,356,500 | 4,648 |
| Average total loans | $42,292,000 | 4,778 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0930% | 2,881 |
| Cost of funding earning assets | 0.2051% | 4,968 |
| Net interest margin | 3.8879% | 2,003 |
| Noninterest income to average assets | 0.1356% | 5,509 |
| Noninterest expense to average assets | 1.6112% | 5,642 |
| Loan and lease loss provision to assets | 0.0904% | 2,554 |
| Net operating income to assets | 2.0461% | 288 |
| Return on assets (ROA) | 2.0608% | 293 |
| Pretax return on assets | 2.0608% | 438 |
| Return on Equity (ROE) | 17.2400% | 382 |
| Retained earnings to average equity (ytd only) | 3.4439% | 3,479 |
| Net charge-offs to loans | 0.0486% | 3,070 |
| Credit loss provision to net charge-offs | 352.3810% | 873 |
| Earnings coverage of net charge-offs (x) | 83.2857% | 694 |
| Efficiency ratio | 42.9922% | 5,724 |
| Assets per employee ($millions) | 6.0638% | 1,431 |
| Cash dividends to net income (ytd only)* | 80.0237% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 3,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 54.3359% | 4,417 |
| Net loans and leases to deposits | 61.9610% | 4,550 |
| Net loans and leases to core deposits | 63.8374% | 4,642 |
| Total domestic deposits to total assets | 87.6938% | 1,793 |
| Equity capital to assets | 11.7785% | 1,947 |
| Core capital (leverage) ratio | 11.3121% | 2,071 |
| Tier 1 risk-based capital ratio | 18.6287% | 1,696 |
| Total risk-based capital ratio | 19.6703% | 1,713 |
| Memoranda: | ||
| Average total assets | $81,862,600 | 4,698 |
| Average earning assets | $76,057,400 | 4,675 |
| Average equity | $9,785,400 | 4,618 |
| Average total loans | $43,205,800 | 4,778 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1058% | 2,853 |
| Cost of funding earning assets | 0.2001% | 5,067 |
| Net interest margin | 3.9057% | 1,956 |
| Noninterest income to average assets | 0.1130% | 5,667 |
| Noninterest expense to average assets | 1.4863% | 5,771 |
| Loan and lease loss provision to assets | 0.0855% | 2,514 |
| Net operating income to assets | 2.1641% | 265 |
| Return on assets (ROA) | 2.1818% | 268 |
| Pretax return on assets | 2.1818% | 405 |
| Return on Equity (ROE) | 18.1890% | 344 |
| Retained earnings to average equity (ytd only) | 6.7536% | 1,751 |
| Net charge-offs to loans | 0.0062% | 3,696 |
| Credit loss provision to net charge-offs | 2,650.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 696.1124% | 132 |
| Efficiency ratio | 39.7840% | 5,836 |
| Assets per employee ($millions) | 6.2855% | 1,243 |
| Cash dividends to net income (ytd only)* | 62.8702% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 3,525 |
| Loan loss allowance to noncurrent loans | 17,033.3333% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 5,532 |
| Noncurrent loans to loans | 0.0068% | 5,389 |
| Net loans and leases to total assets | 53.5845% | 4,529 |
| Net loans and leases to deposits | 63.4648% | 4,529 |
| Net loans and leases to core deposits | 64.9042% | 4,678 |
| Total domestic deposits to total assets | 84.4319% | 3,051 |
| Equity capital to assets | 12.5428% | 1,750 |
| Core capital (leverage) ratio | 11.4309% | 2,091 |
| Tier 1 risk-based capital ratio | 18.5267% | 1,783 |
| Total risk-based capital ratio | 19.5403% | 1,809 |
| Memoranda: | ||
| Average total assets | $82,620,750 | 4,712 |
| Average earning assets | $76,638,000 | 4,698 |
| Average equity | $9,910,500 | 4,633 |
| Average total loans | $43,170,750 | 4,821 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0280% | 3,149 |
| Cost of funding earning assets | 0.1867% | 5,266 |
| Net interest margin | 3.8412% | 2,166 |
| Noninterest income to average assets | 0.1037% | 5,762 |
| Noninterest expense to average assets | 1.4736% | 5,856 |
| Loan and lease loss provision to assets | 0.1134% | 1,982 |
| Net operating income to assets | 2.0887% | 290 |
| Return on assets (ROA) | 2.1152% | 285 |
| Pretax return on assets | 2.1152% | 456 |
| Return on Equity (ROE) | 17.9022% | 362 |
| Retained earnings to average equity (ytd only) | 6.6751% | 1,773 |
| Net charge-offs to loans | 0.0093% | 3,384 |
| Credit loss provision to net charge-offs | 2,350.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 456.5000% | 148 |
| Efficiency ratio | 40.0919% | 5,904 |
| Assets per employee ($millions) | 6.4774% | 1,098 |
| Cash dividends to net income (ytd only)* | 62.7138% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 3,690 |
| Loan loss allowance to noncurrent loans | 25,250.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 5,634 |
| Noncurrent loans to loans | 0.0045% | 5,497 |
| Net loans and leases to total assets | 51.7920% | 4,696 |
| Net loans and leases to deposits | 61.8592% | 4,668 |
| Net loans and leases to core deposits | 63.2296% | 4,797 |
| Total domestic deposits to total assets | 83.7256% | 3,376 |
| Equity capital to assets | 12.1773% | 1,989 |
| Core capital (leverage) ratio | 10.8836% | 2,552 |
| Tier 1 risk-based capital ratio | 17.8627% | 1,973 |
| Total risk-based capital ratio | 18.8470% | 2,014 |
| Memoranda: | ||
| Average total assets | $82,923,670 | 4,744 |
| Average earning assets | $77,110,330 | 4,724 |
| Average equity | $9,797,670 | 4,686 |
| Average total loans | $42,795,670 | 4,867 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1057% | 2,824 |
| Cost of funding earning assets | 0.1835% | 5,344 |
| Net interest margin | 3.9221% | 1,876 |
| Noninterest income to average assets | 0.1021% | 5,816 |
| Noninterest expense to average assets | 1.3514% | 5,980 |
| Loan and lease loss provision to assets | 0.1993% | 986 |
| Net operating income to assets | 2.1876% | 232 |
| Return on assets (ROA) | 2.1779% | 249 |
| Pretax return on assets | 2.1779% | 396 |
| Return on Equity (ROE) | 18.7262% | 311 |
| Retained earnings to average equity (ytd only) | 6.1863% | 2,285 |
| Net charge-offs to loans | 0.0095% | 2,807 |
| Credit loss provision to net charge-offs | 4,100.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 491.0000% | 114 |
| Efficiency ratio | 36.1508% | 6,025 |
| Assets per employee ($millions) | 6.3120% | 1,214 |
| Cash dividends to net income (ytd only)* | 66.9643% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 3,425 |
| Loan loss allowance to noncurrent loans | 16,666.6667% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 5,668 |
| Noncurrent loans to loans | 0.0073% | 5,496 |
| Net loans and leases to total assets | 49.7709% | 4,828 |
| Net loans and leases to deposits | 56.7932% | 4,934 |
| Net loans and leases to core deposits | 57.7766% | 5,060 |
| Total domestic deposits to total assets | 87.6353% | 1,843 |
| Equity capital to assets | 11.8517% | 2,120 |
| Core capital (leverage) ratio | 10.8097% | 2,608 |
| Tier 1 risk-based capital ratio | 18.2795% | 1,914 |
| Total risk-based capital ratio | 19.2966% | 1,938 |
| Memoranda: | ||
| Average total assets | $82,282,500 | 4,807 |
| Average earning assets | $76,285,000 | 4,789 |
| Average equity | $9,569,500 | 4,747 |
| Average total loans | $42,135,000 | 4,930 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8123% | 4,010 |
| Cost of funding earning assets | 0.1752% | 5,498 |
| Net interest margin | 3.6372% | 2,992 |
| Noninterest income to average assets | 0.1464% | 5,679 |
| Noninterest expense to average assets | 1.5295% | 5,960 |
| Loan and lease loss provision to assets | 0.0389% | 3,559 |
| Net operating income to assets | 1.9745% | 362 |
| Return on assets (ROA) | 2.0569% | 328 |
| Pretax return on assets | 2.0569% | 479 |
| Return on Equity (ROE) | 20.1710% | 247 |
| Retained earnings to average equity (ytd only) | 7.8306% | 967 |
| Net charge-offs to loans | 0.0211% | 3,846 |
| Credit loss provision to net charge-offs | 377.7778% | 790 |
| Earnings coverage of net charge-offs (x) | 195.5556% | 341 |
| Efficiency ratio | 43.1708% | 6,001 |
| Assets per employee ($millions) | 6.8758% | 929 |
| Cash dividends to net income (ytd only)* | 61.1791% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 4,202 |
| Loan loss allowance to noncurrent loans | 46,000.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,737 |
| Noncurrent loans to loans | 0.0023% | 5,559 |
| Net loans and leases to total assets | 51.4732% | 4,737 |
| Net loans and leases to deposits | 59.2214% | 4,836 |
| Net loans and leases to core deposits | 60.2488% | 4,967 |
| Total domestic deposits to total assets | 86.9166% | 2,182 |
| Equity capital to assets | 11.4097% | 2,439 |
| Core capital (leverage) ratio | 10.2784% | 3,180 |
| Tier 1 risk-based capital ratio | 17.6523% | 2,072 |
| Total risk-based capital ratio | 18.5711% | 2,129 |
| Memoranda: | ||
| Average total assets | $87,412,800 | 4,722 |
| Average earning assets | $81,629,800 | 4,682 |
| Average equity | $8,913,800 | 4,872 |
| Average total loans | $42,746,400 | 4,906 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8106% | 4,054 |
| Cost of funding earning assets | 0.1697% | 5,633 |
| Net interest margin | 3.6409% | 2,990 |
| Noninterest income to average assets | 0.1098% | 5,914 |
| Noninterest expense to average assets | 1.4786% | 6,056 |
| Loan and lease loss provision to assets | 0.0406% | 3,395 |
| Net operating income to assets | 1.9795% | 376 |
| Return on assets (ROA) | 2.0908% | 332 |
| Pretax return on assets | 2.0908% | 509 |
| Return on Equity (ROE) | 21.0871% | 217 |
| Retained earnings to average equity (ytd only) | 8.5713% | 1,039 |
| Net charge-offs to loans | 0.0063% | 3,958 |
| Credit loss provision to net charge-offs | 1,350.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 670.6442% | 111 |
| Efficiency ratio | 42.2614% | 6,083 |
| Assets per employee ($millions) | 7.4483% | 709 |
| Cash dividends to net income (ytd only)* | 59.3523% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 4,640 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 49.9290% | 4,938 |
| Net loans and leases to deposits | 62.3259% | 4,700 |
| Net loans and leases to core deposits | 63.4090% | 4,847 |
| Total domestic deposits to total assets | 80.1094% | 4,716 |
| Equity capital to assets | 10.0393% | 4,109 |
| Core capital (leverage) ratio | 9.7637% | 3,945 |
| Tier 1 risk-based capital ratio | 16.1222% | 2,746 |
| Total risk-based capital ratio | 16.9741% | 2,870 |
| Memoranda: | ||
| Average total assets | $88,638,750 | 4,759 |
| Average earning assets | $82,505,000 | 4,724 |
| Average equity | $8,788,750 | 4,957 |
| Average total loans | $42,700,500 | 4,961 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8357% | 3,935 |
| Cost of funding earning assets | 0.1640% | 5,747 |
| Net interest margin | 3.6717% | 2,829 |
| Noninterest income to average assets | 0.1063% | 6,004 |
| Noninterest expense to average assets | 1.3712% | 6,187 |
| Loan and lease loss provision to assets | 0.0475% | 3,172 |
| Net operating income to assets | 2.1314% | 296 |
| Return on assets (ROA) | 2.2807% | 239 |
| Pretax return on assets | 2.2807% | 349 |
| Return on Equity (ROE) | 23.0998% | 157 |
| Retained earnings to average equity (ytd only) | 9.0062% | 924 |
| Net charge-offs to loans | 0.0095% | 3,572 |
| Credit loss provision to net charge-offs | 1,050.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 481.5000% | 138 |
| Efficiency ratio | 38.6233% | 6,230 |
| Assets per employee ($millions) | 6.8523% | 887 |
| Cash dividends to net income (ytd only)* | 61.0119% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 4,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 48.3565% | 5,068 |
| Net loans and leases to deposits | 59.3660% | 4,903 |
| Net loans and leases to core deposits | 60.3830% | 5,045 |
| Total domestic deposits to total assets | 81.4549% | 4,464 |
| Equity capital to assets | 9.4623% | 4,694 |
| Core capital (leverage) ratio | 9.4391% | 4,361 |
| Tier 1 risk-based capital ratio | 16.2639% | 2,728 |
| Total risk-based capital ratio | 17.1292% | 2,871 |
| Memoranda: | ||
| Average total assets | $88,392,000 | 4,807 |
| Average earning assets | $82,905,330 | 4,763 |
| Average equity | $8,727,330 | 5,006 |
| Average total loans | $41,905,330 | 5,035 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7295% | 4,261 |
| Cost of funding earning assets | 0.1609% | 5,834 |
| Net interest margin | 3.5686% | 3,129 |
| Noninterest income to average assets | 0.0999% | 6,081 |
| Noninterest expense to average assets | 1.2448% | 6,305 |
| Loan and lease loss provision to assets | 0.0681% | 2,581 |
| Net operating income to assets | 2.1125% | 274 |
| Return on assets (ROA) | 2.3578% | 198 |
| Pretax return on assets | 2.3578% | 295 |
| Return on Equity (ROE) | 23.3876% | 146 |
| Retained earnings to average equity (ytd only) | 18.8813% | 121 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3395% | 6,325 |
| Assets per employee ($millions) | 6.9612% | 867 |
| Cash dividends to net income (ytd only)* | 19.2678% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 4,454 |
| Loan loss allowance to noncurrent loans | 45,000.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 5,977 |
| Noncurrent loans to loans | 0.0025% | 5,813 |
| Net loans and leases to total assets | 44.2605% | 5,332 |
| Net loans and leases to deposits | 49.4775% | 5,491 |
| Net loans and leases to core deposits | 50.2358% | 5,581 |
| Total domestic deposits to total assets | 89.4559% | 1,018 |
| Equity capital to assets | 10.1154% | 3,996 |
| Core capital (leverage) ratio | 9.6729% | 4,045 |
| Tier 1 risk-based capital ratio | 16.9174% | 2,512 |
| Total risk-based capital ratio | 17.8068% | 2,606 |
| Memoranda: | ||
| Average total assets | $88,048,000 | 4,861 |
| Average earning assets | $82,048,000 | 4,820 |
| Average equity | $8,876,500 | 5,015 |
| Average total loans | $41,093,000 | 5,101 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9926% | 3,755 |
| Cost of funding earning assets | 0.1953% | 5,785 |
| Net interest margin | 3.7973% | 2,629 |
| Noninterest income to average assets | 0.1670% | 5,861 |
| Noninterest expense to average assets | 1.4319% | 6,336 |
| Loan and lease loss provision to assets | 0.0332% | 3,933 |
| Net operating income to assets | 2.2596% | 198 |
| Return on assets (ROA) | 2.3394% | 187 |
| Pretax return on assets | 2.3394% | 253 |
| Return on Equity (ROE) | 25.4237% | 96 |
| Retained earnings to average equity (ytd only) | 11.3439% | 348 |
| Net charge-offs to loans | -0.0198% | 5,700 |
| Credit loss provision to net charge-offs | -337.5000% | 5,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4438% | 6,419 |
| Assets per employee ($millions) | 7.1333% | 791 |
| Cash dividends to net income (ytd only)* | 55.3806% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 4,834 |
| Loan loss allowance to noncurrent loans | 14,500.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 6,081 |
| Noncurrent loans to loans | 0.0072% | 5,896 |
| Net loans and leases to total assets | 48.1857% | 5,136 |
| Net loans and leases to deposits | 53.8030% | 5,343 |
| Net loans and leases to core deposits | 54.6731% | 5,462 |
| Total domestic deposits to total assets | 89.5596% | 940 |
| Equity capital to assets | 10.0456% | 4,051 |
| Core capital (leverage) ratio | 9.5459% | 4,177 |
| Tier 1 risk-based capital ratio | 16.0236% | 2,952 |
| Total risk-based capital ratio | 16.8799% | 3,102 |
| Memoranda: | ||
| Average total assets | $81,429,600 | 5,031 |
| Average earning assets | $76,290,800 | 4,979 |
| Average equity | $7,493,000 | 5,307 |
| Average total loans | $40,305,400 | 5,171 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 3,868 |
| Cost of funding earning assets | 0.2035% | 5,791 |
| Net interest margin | 3.7682% | 2,743 |
| Noninterest income to average assets | 0.1344% | 6,101 |
| Noninterest expense to average assets | 1.4413% | 6,383 |
| Loan and lease loss provision to assets | 0.0315% | 3,782 |
| Net operating income to assets | 2.1927% | 241 |
| Return on assets (ROA) | 2.3005% | 197 |
| Pretax return on assets | 2.3005% | 298 |
| Return on Equity (ROE) | 25.6259% | 93 |
| Retained earnings to average equity (ytd only) | 11.2147% | 485 |
| Net charge-offs to loans | -0.0267% | 5,700 |
| Credit loss provision to net charge-offs | -237.5000% | 5,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3213% | 6,467 |
| Assets per employee ($millions) | 6.8925% | 846 |
| Cash dividends to net income (ytd only)* | 56.2362% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 5,167 |
| Loan loss allowance to noncurrent loans | 10,675.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 6,185 |
| Noncurrent loans to loans | 0.0095% | 5,999 |
| Net loans and leases to total assets | 50.5973% | 4,933 |
| Net loans and leases to deposits | 57.8648% | 5,110 |
| Net loans and leases to core deposits | 59.2762% | 5,241 |
| Total domestic deposits to total assets | 87.4405% | 2,069 |
| Equity capital to assets | 9.6325% | 4,632 |
| Core capital (leverage) ratio | 9.5700% | 4,280 |
| Tier 1 risk-based capital ratio | 15.5324% | 3,299 |
| Total risk-based capital ratio | 16.3723% | 3,460 |
| Memoranda: | ||
| Average total assets | $80,387,000 | 5,113 |
| Average earning assets | $75,329,500 | 5,057 |
| Average equity | $7,216,500 | 5,414 |
| Average total loans | $39,961,250 | 5,242 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9170% | 4,068 |
| Cost of funding earning assets | 0.2103% | 5,823 |
| Net interest margin | 3.7067% | 2,937 |
| Noninterest income to average assets | 0.1306% | 6,162 |
| Noninterest expense to average assets | 1.3867% | 6,485 |
| Loan and lease loss provision to assets | 0.0301% | 3,671 |
| Net operating income to assets | 2.1680% | 242 |
| Return on assets (ROA) | 2.3087% | 199 |
| Pretax return on assets | 2.3087% | 301 |
| Return on Equity (ROE) | 26.3841% | 88 |
| Retained earnings to average equity (ytd only) | 11.1680% | 520 |
| Net charge-offs to loans | 0.0051% | 4,209 |
| Credit loss provision to net charge-offs | 1,200.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 875.0000% | 75 |
| Efficiency ratio | 38.6826% | 6,547 |
| Assets per employee ($millions) | 7.2395% | 713 |
| Cash dividends to net income (ytd only)* | 57.6714% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 5,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 50.0151% | 4,959 |
| Net loans and leases to deposits | 56.3265% | 5,167 |
| Net loans and leases to core deposits | 57.7316% | 5,293 |
| Total domestic deposits to total assets | 88.7950% | 1,476 |
| Equity capital to assets | 9.4407% | 4,800 |
| Core capital (leverage) ratio | 9.5935% | 4,186 |
| Tier 1 risk-based capital ratio | 15.7802% | 3,206 |
| Total risk-based capital ratio | 16.6249% | 3,372 |
| Memoranda: | ||
| Average total assets | $79,612,670 | 5,165 |
| Average earning assets | $74,189,000 | 5,131 |
| Average equity | $6,966,330 | 5,499 |
| Average total loans | $39,189,670 | 5,307 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8815% | 4,159 |
| Cost of funding earning assets | 0.2283% | 5,767 |
| Net interest margin | 3.6532% | 3,050 |
| Noninterest income to average assets | 0.1306% | 6,197 |
| Noninterest expense to average assets | 1.3115% | 6,597 |
| Loan and lease loss provision to assets | 0.0301% | 3,429 |
| Net operating income to assets | 2.1658% | 255 |
| Return on assets (ROA) | 2.4421% | 170 |
| Pretax return on assets | 2.4421% | 250 |
| Return on Equity (ROE) | 29.0561% | 74 |
| Retained earnings to average equity (ytd only) | 18.8925% | 149 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.3926% | 6,626 |
| Assets per employee ($millions) | 6.8406% | 868 |
| Cash dividends to net income (ytd only)* | 34.9794% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 5,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 45.6296% | 5,367 |
| Net loans and leases to deposits | 50.5554% | 5,553 |
| Net loans and leases to core deposits | 51.9630% | 5,618 |
| Total domestic deposits to total assets | 90.2567% | 936 |
| Equity capital to assets | 8.5434% | 5,610 |
| Core capital (leverage) ratio | 9.5763% | 4,169 |
| Tier 1 risk-based capital ratio | 16.1541% | 3,086 |
| Total risk-based capital ratio | 17.0164% | 3,256 |
| Memoranda: | ||
| Average total assets | $79,602,000 | 5,215 |
| Average earning assets | $73,579,500 | 5,190 |
| Average equity | $6,690,500 | 5,592 |
| Average total loans | $38,664,500 | 5,367 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2248% | 3,250 |
| Cost of funding earning assets | 0.2836% | 5,731 |
| Net interest margin | 3.9413% | 2,133 |
| Noninterest income to average assets | 0.1696% | 6,068 |
| Noninterest expense to average assets | 1.4384% | 6,611 |
| Loan and lease loss provision to assets | 0.0466% | 4,191 |
| Net operating income to assets | 2.3569% | 199 |
| Return on assets (ROA) | 2.3569% | 204 |
| Pretax return on assets | 2.3767% | 237 |
| Return on Equity (ROE) | 27.4704% | 99 |
| Retained earnings to average equity (ytd only) | 17.3419% | 117 |
| Net charge-offs to loans | 0.0259% | 4,902 |
| Credit loss provision to net charge-offs | 330.0000% | 696 |
| Earnings coverage of net charge-offs (x) | 171.5000% | 271 |
| Efficiency ratio | 37.2484% | 6,721 |
| Assets per employee ($millions) | 6.4264% | 1,020 |
| Cash dividends to net income (ytd only)* | 36.8705% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 5,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 50.6594% | 5,011 |
| Net loans and leases to deposits | 55.9595% | 5,306 |
| Net loans and leases to core deposits | 57.1924% | 5,450 |
| Total domestic deposits to total assets | 90.5287% | 795 |
| Equity capital to assets | 8.2576% | 5,816 |
| Core capital (leverage) ratio | 9.4475% | 4,343 |
| Tier 1 risk-based capital ratio | 15.4286% | 3,417 |
| Total risk-based capital ratio | 16.2751% | 3,591 |
| Memoranda: | ||
| Average total assets | $70,770,800 | 5,448 |
| Average earning assets | $66,298,400 | 5,399 |
| Average equity | $6,072,000 | 5,807 |
| Average total loans | $38,586,000 | 5,409 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2923% | 3,031 |
| Cost of funding earning assets | 0.2934% | 5,781 |
| Net interest margin | 3.9989% | 1,945 |
| Noninterest income to average assets | 0.1445% | 6,310 |
| Noninterest expense to average assets | 1.4300% | 6,677 |
| Loan and lease loss provision to assets | 0.0328% | 4,364 |
| Net operating income to assets | 2.4109% | 190 |
| Return on assets (ROA) | 2.4109% | 200 |
| Pretax return on assets | 2.4379% | 260 |
| Return on Equity (ROE) | 27.8086% | 88 |
| Retained earnings to average equity (ytd only) | 16.0272% | 159 |
| Net charge-offs to loans | 0.0209% | 4,714 |
| Credit loss provision to net charge-offs | 283.3333% | 892 |
| Earnings coverage of net charge-offs (x) | 213.6613% | 274 |
| Efficiency ratio | 36.6601% | 6,792 |
| Assets per employee ($millions) | 6.6534% | 871 |
| Cash dividends to net income (ytd only)* | 42.3661% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 5,943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 55.7558% | 4,356 |
| Net loans and leases to deposits | 61.8085% | 4,787 |
| Net loans and leases to core deposits | 63.2494% | 4,984 |
| Total domestic deposits to total assets | 90.2073% | 891 |
| Equity capital to assets | 8.3198% | 5,902 |
| Core capital (leverage) ratio | 9.5485% | 4,337 |
| Tier 1 risk-based capital ratio | 14.5827% | 4,027 |
| Total risk-based capital ratio | 15.3959% | 4,271 |
| Memoranda: | ||
| Average total assets | $69,184,250 | 5,557 |
| Average earning assets | $64,982,500 | 5,488 |
| Average equity | $5,998,000 | 5,894 |
| Average total loans | $38,365,750 | 5,467 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2452% | 3,172 |
| Cost of funding earning assets | 0.3032% | 5,802 |
| Net interest margin | 3.9420% | 2,073 |
| Noninterest income to average assets | 0.1415% | 6,344 |
| Noninterest expense to average assets | 1.4326% | 6,720 |
| Loan and lease loss provision to assets | 0.0354% | 4,241 |
| Net operating income to assets | 2.3493% | 206 |
| Return on assets (ROA) | 2.3493% | 216 |
| Pretax return on assets | 2.3906% | 312 |
| Return on Equity (ROE) | 26.7106% | 100 |
| Retained earnings to average equity (ytd only) | 14.3104% | 281 |
| Net charge-offs to loans | 0.0321% | 4,236 |
| Credit loss provision to net charge-offs | 200.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 137.1667% | 361 |
| Efficiency ratio | 37.1276% | 6,831 |
| Assets per employee ($millions) | 6.3281% | 993 |
| Cash dividends to net income (ytd only)* | 46.4241% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 5,919 |
| 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 | 55.9741% | 4,296 |
| Net loans and leases to deposits | 63.9787% | 4,506 |
| Net loans and leases to core deposits | 65.5965% | 4,730 |
| Total domestic deposits to total assets | 87.4887% | 2,544 |
| Equity capital to assets | 8.0938% | 6,139 |
| Core capital (leverage) ratio | 8.2632% | 5,938 |
| Tier 1 risk-based capital ratio | 12.9319% | 5,192 |
| Total risk-based capital ratio | 13.7912% | 5,409 |
| Memoranda: | ||
| Average total assets | $67,850,000 | 5,641 |
| Average earning assets | $63,978,330 | 5,559 |
| Average equity | $5,967,670 | 5,946 |
| Average total loans | $37,423,000 | 5,525 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1279% | 3,608 |
| Cost of funding earning assets | 0.3190% | 5,812 |
| Net interest margin | 3.8089% | 2,413 |
| Noninterest income to average assets | 0.1374% | 6,414 |
| Noninterest expense to average assets | 1.5529% | 6,698 |
| Loan and lease loss provision to assets | 0.0358% | 3,994 |
| Net operating income to assets | 1.9830% | 350 |
| Return on assets (ROA) | 1.9830% | 379 |
| Pretax return on assets | 2.1144% | 479 |
| Return on Equity (ROE) | 21.6481% | 216 |
| Retained earnings to average equity (ytd only) | 18.3878% | 185 |
| Net charge-offs to loans | 0.1097% | 2,776 |
| Credit loss provision to net charge-offs | 60.0000% | 2,443 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 859 |
| Efficiency ratio | 41.9355% | 6,841 |
| Assets per employee ($millions) | 5.7427% | 1,443 |
| Cash dividends to net income (ytd only)* | 15.0602% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 5,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 52.2565% | 4,671 |
| Net loans and leases to deposits | 58.4613% | 4,979 |
| Net loans and leases to core deposits | 59.4270% | 5,201 |
| Total domestic deposits to total assets | 89.3865% | 1,428 |
| Equity capital to assets | 8.9796% | 5,508 |
| Core capital (leverage) ratio | 8.4098% | 5,696 |
| Tier 1 risk-based capital ratio | 13.2859% | 5,024 |
| Total risk-based capital ratio | 14.1678% | 5,239 |
| Memoranda: | ||
| Average total assets | $66,970,500 | 5,709 |
| Average earning assets | $62,695,500 | 5,653 |
| Average equity | $6,134,500 | 5,949 |
| Average total loans | $36,461,500 | 5,593 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 2,850 |
| Cost of funding earning assets | 0.4052% | 5,881 |
| Net interest margin | 4.2338% | 1,566 |
| Noninterest income to average assets | 0.2036% | 5,961 |
| Noninterest expense to average assets | 1.7345% | 6,692 |
| Loan and lease loss provision to assets | 0.0331% | 5,481 |
| Net operating income to assets | 2.2729% | 219 |
| Return on assets (ROA) | 2.2807% | 236 |
| Pretax return on assets | 2.4214% | 283 |
| Return on Equity (ROE) | 24.3282% | 146 |
| Retained earnings to average equity (ytd only) | 11.4403% | 384 |
| Net charge-offs to loans | 0.0087% | 5,825 |
| Credit loss provision to net charge-offs | 666.6667% | 368 |
| Earnings coverage of net charge-offs (x) | 492.6667% | 81 |
| Efficiency ratio | 41.4885% | 6,901 |
| Assets per employee ($millions) | 5.4191% | 1,764 |
| Cash dividends to net income (ytd only)* | 52.9753% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 5,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 55.6090% | 4,359 |
| Net loans and leases to deposits | 62.5564% | 4,715 |
| Net loans and leases to core deposits | 63.6576% | 4,998 |
| Total domestic deposits to total assets | 88.8942% | 1,644 |
| Equity capital to assets | 9.3512% | 5,074 |
| Core capital (leverage) ratio | 8.4094% | 5,745 |
| Tier 1 risk-based capital ratio | 12.8540% | 5,212 |
| Total risk-based capital ratio | 13.7620% | 5,421 |
| Memoranda: | ||
| Average total assets | $60,420,000 | 5,912 |
| Average earning assets | $56,757,600 | 5,844 |
| Average equity | $5,664,200 | 6,112 |
| Average total loans | $34,448,800 | 5,742 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6462% | 3,035 |
| Cost of funding earning assets | 0.4368% | 5,887 |
| Net interest margin | 4.2095% | 1,709 |
| Noninterest income to average assets | 0.1777% | 6,238 |
| Noninterest expense to average assets | 1.7570% | 6,729 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.2250% | 271 |
| Return on assets (ROA) | 2.2271% | 300 |
| Pretax return on assets | 2.3689% | 362 |
| Return on Equity (ROE) | 23.7405% | 173 |
| Retained earnings to average equity (ytd only) | 9.8318% | 958 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6077% | 6,943 |
| Assets per employee ($millions) | 5.6505% | 1,498 |
| Cash dividends to net income (ytd only)* | 58.5854% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 6,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 60.1358% | 3,754 |
| Net loans and leases to deposits | 68.9695% | 4,036 |
| Net loans and leases to core deposits | 70.2660% | 4,476 |
| Total domestic deposits to total assets | 87.1919% | 2,562 |
| Equity capital to assets | 9.2895% | 5,479 |
| Core capital (leverage) ratio | 8.2623% | 6,071 |
| Tier 1 risk-based capital ratio | 12.3033% | 5,761 |
| Total risk-based capital ratio | 13.1720% | 5,966 |
| Memoranda: | ||
| Average total assets | $59,267,750 | 6,006 |
| Average earning assets | $55,556,000 | 5,947 |
| Average equity | $5,560,000 | 6,204 |
| Average total loans | $33,926,250 | 5,836 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5928% | 3,396 |
| Cost of funding earning assets | 0.4440% | 6,002 |
| Net interest margin | 4.1488% | 1,911 |
| Noninterest income to average assets | 0.1818% | 6,263 |
| Noninterest expense to average assets | 1.6740% | 6,860 |
| Loan and lease loss provision to assets | 0.0480% | 5,075 |
| Net operating income to assets | 2.2159% | 277 |
| Return on assets (ROA) | 2.2159% | 315 |
| Pretax return on assets | 2.3703% | 368 |
| Return on Equity (ROE) | 23.5394% | 194 |
| Retained earnings to average equity (ytd only) | 7.8708% | 1,689 |
| Net charge-offs to loans | 0.0551% | 4,641 |
| Credit loss provision to net charge-offs | 155.5556% | 1,779 |
| Earnings coverage of net charge-offs (x) | 78.3333% | 520 |
| Efficiency ratio | 40.9053% | 7,046 |
| Assets per employee ($millions) | 5.5235% | 1,597 |
| Cash dividends to net income (ytd only)* | 66.5635% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 6,039 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 57.7956% | 4,199 |
| Net loans and leases to deposits | 68.8414% | 4,070 |
| Net loans and leases to core deposits | 70.2151% | 4,513 |
| Total domestic deposits to total assets | 83.9546% | 4,334 |
| Equity capital to assets | 9.2562% | 5,386 |
| Core capital (leverage) ratio | 8.3815% | 5,815 |
| Tier 1 risk-based capital ratio | 12.4477% | 5,604 |
| Total risk-based capital ratio | 13.3739% | 5,824 |
| Memoranda: | ||
| Average total assets | $58,305,000 | 6,068 |
| Average earning assets | $54,955,000 | 6,001 |
| Average equity | $5,488,670 | 6,247 |
| Average total loans | $32,655,670 | 5,924 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5316% | 3,790 |
| Cost of funding earning assets | 0.4782% | 5,957 |
| Net interest margin | 4.0534% | 2,283 |
| Noninterest income to average assets | 0.1402% | 6,540 |
| Noninterest expense to average assets | 1.6819% | 6,913 |
| Loan and lease loss provision to assets | 0.0210% | 5,075 |
| Net operating income to assets | 2.1514% | 317 |
| Return on assets (ROA) | 2.1514% | 370 |
| Pretax return on assets | 2.2986% | 455 |
| Return on Equity (ROE) | 22.6526% | 252 |
| Retained earnings to average equity (ytd only) | 17.4875% | 285 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0315% | 7,054 |
| Assets per employee ($millions) | 5.2191% | 1,975 |
| Cash dividends to net income (ytd only)* | 22.8013% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 5,687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 54.0272% | 4,718 |
| Net loans and leases to deposits | 61.7536% | 4,954 |
| Net loans and leases to core deposits | 62.6416% | 5,258 |
| Total domestic deposits to total assets | 87.4882% | 2,661 |
| Equity capital to assets | 9.6760% | 4,556 |
| Core capital (leverage) ratio | 8.6903% | 5,310 |
| Tier 1 risk-based capital ratio | 13.7031% | 4,674 |
| Total risk-based capital ratio | 14.7129% | 4,843 |
| Memoranda: | ||
| Average total assets | $57,078,000 | 6,154 |
| Average earning assets | $54,374,000 | 6,053 |
| Average equity | $5,421,000 | 6,300 |
| Average total loans | $31,243,000 | 6,049 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7497% | 4,032 |
| Cost of funding earning assets | 0.7122% | 5,455 |
| Net interest margin | 4.0376% | 2,692 |
| Noninterest income to average assets | 0.2418% | 5,810 |
| Noninterest expense to average assets | 1.7629% | 6,994 |
| Loan and lease loss provision to assets | 0.0057% | 6,451 |
| Net operating income to assets | 2.1723% | 235 |
| Return on assets (ROA) | 2.1741% | 250 |
| Pretax return on assets | 2.3283% | 281 |
| Return on Equity (ROE) | 24.3725% | 123 |
| Retained earnings to average equity (ytd only) | 12.9546% | 229 |
| Net charge-offs to loans | 0.0100% | 6,290 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 408.3333% | 83 |
| Efficiency ratio | 43.0497% | 7,149 |
| Assets per employee ($millions) | 5.1587% | 1,994 |
| Cash dividends to net income (ytd only)* | 46.8476% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 5,590 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 54.1818% | 5,011 |
| Net loans and leases to deposits | 62.3727% | 5,191 |
| Net loans and leases to core deposits | 63.2816% | 5,536 |
| Total domestic deposits to total assets | 86.8678% | 2,835 |
| Equity capital to assets | 9.3170% | 5,126 |
| Core capital (leverage) ratio | 8.0660% | 6,182 |
| Tier 1 risk-based capital ratio | 13.2709% | 4,860 |
| Total risk-based capital ratio | 14.2898% | 5,014 |
| Memoranda: | ||
| Average total assets | $52,527,600 | 6,287 |
| Average earning assets | $50,129,400 | 6,188 |
| Average equity | $4,685,600 | 6,536 |
| Average total loans | $29,888,400 | 6,163 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8906% | 3,605 |
| Cost of funding earning assets | 0.7603% | 5,400 |
| Net interest margin | 4.1303% | 2,356 |
| Noninterest income to average assets | 0.2254% | 6,004 |
| Noninterest expense to average assets | 1.8106% | 6,986 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.1888% | 262 |
| Return on assets (ROA) | 2.1888% | 278 |
| Pretax return on assets | 2.3546% | 327 |
| Return on Equity (ROE) | 24.8418% | 134 |
| Retained earnings to average equity (ytd only) | 10.8775% | 654 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4701% | 7,162 |
| Assets per employee ($millions) | 5.7394% | 1,402 |
| Cash dividends to net income (ytd only)* | 56.2132% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 5,851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 55.9153% | 4,856 |
| Net loans and leases to deposits | 66.1009% | 4,890 |
| Net loans and leases to core deposits | 67.0791% | 5,298 |
| Total domestic deposits to total assets | 84.5907% | 3,969 |
| Equity capital to assets | 8.6734% | 6,112 |
| Core capital (leverage) ratio | 8.3774% | 5,888 |
| Tier 1 risk-based capital ratio | 12.1324% | 5,792 |
| Total risk-based capital ratio | 13.1135% | 5,973 |
| Memoranda: | ||
| Average total assets | $51,473,000 | 6,378 |
| Average earning assets | $49,099,750 | 6,283 |
| Average equity | $4,535,250 | 6,626 |
| Average total loans | $29,584,000 | 6,237 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9189% | 3,538 |
| Cost of funding earning assets | 0.7958% | 5,397 |
| Net interest margin | 4.1231% | 2,328 |
| Noninterest income to average assets | 0.1899% | 6,308 |
| Noninterest expense to average assets | 1.8627% | 6,991 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.1010% | 300 |
| Return on assets (ROA) | 2.1010% | 308 |
| Pretax return on assets | 2.2627% | 374 |
| Return on Equity (ROE) | 23.7028% | 170 |
| Retained earnings to average equity (ytd only) | 10.4839% | 747 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1518% | 7,196 |
| Assets per employee ($millions) | 5.1231% | 1,968 |
| Cash dividends to net income (ytd only)* | 55.7692% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 5,584 |
| Loan loss allowance to noncurrent loans | 36,000.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 7,139 |
| Noncurrent loans to loans | 0.0033% | 7,012 |
| Net loans and leases to total assets | 58.2714% | 4,581 |
| Net loans and leases to deposits | 71.7000% | 4,160 |
| Net loans and leases to core deposits | 72.9314% | 4,717 |
| Total domestic deposits to total assets | 81.2711% | 5,434 |
| Equity capital to assets | 9.1195% | 5,396 |
| Core capital (leverage) ratio | 8.6076% | 5,386 |
| Tier 1 risk-based capital ratio | 12.7419% | 5,140 |
| Total risk-based capital ratio | 13.8057% | 5,267 |
| Memoranda: | ||
| Average total assets | $49,499,330 | 6,496 |
| Average earning assets | $47,246,000 | 6,387 |
| Average equity | $4,387,670 | 6,718 |
| Average total loans | $28,628,000 | 6,337 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9087% | 3,545 |
| Cost of funding earning assets | 0.8181% | 5,476 |
| Net interest margin | 4.0906% | 2,300 |
| Noninterest income to average assets | 0.1645% | 6,553 |
| Noninterest expense to average assets | 1.8835% | 7,021 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.0315% | 331 |
| Return on assets (ROA) | 2.0315% | 348 |
| Pretax return on assets | 2.1878% | 408 |
| Return on Equity (ROE) | 23.2717% | 204 |
| Retained earnings to average equity (ytd only) | 12.4367% | 670 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2626% | 7,195 |
| Assets per employee ($millions) | 4.9288% | 2,258 |
| Cash dividends to net income (ytd only)* | 46.5587% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 5,150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 55.6261% | 5,056 |
| Net loans and leases to deposits | 65.4234% | 5,060 |
| Net loans and leases to core deposits | 66.5397% | 5,459 |
| Total domestic deposits to total assets | 85.0248% | 4,020 |
| Equity capital to assets | 8.8155% | 5,468 |
| Core capital (leverage) ratio | 8.6065% | 5,258 |
| Tier 1 risk-based capital ratio | 13.1162% | 4,738 |
| Total risk-based capital ratio | 14.2394% | 4,821 |
| Memoranda: | ||
| Average total assets | $48,633,500 | 6,566 |
| Average earning assets | $46,448,000 | 6,475 |
| Average equity | $4,245,500 | 6,792 |
| Average total loans | $27,835,500 | 6,424 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3091% | 3,087 |
| Cost of funding earning assets | 1.1494% | 4,852 |
| Net interest margin | 4.1597% | 2,327 |
| Noninterest income to average assets | 0.2419% | 6,067 |
| Noninterest expense to average assets | 1.9152% | 7,136 |
| Loan and lease loss provision to assets | 0.0377% | 6,787 |
| Net operating income to assets | 2.0753% | 248 |
| Return on assets (ROA) | 2.0794% | 259 |
| Pretax return on assets | 2.2370% | 294 |
| Return on Equity (ROE) | 23.0550% | 140 |
| Retained earnings to average equity (ytd only) | 8.0459% | 968 |
| Net charge-offs to loans | 0.0075% | 6,764 |
| Credit loss provision to net charge-offs | 850.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 511.5000% | 42 |
| Efficiency ratio | 45.7582% | 7,363 |
| Assets per employee ($millions) | 4.7979% | 2,421 |
| Cash dividends to net income (ytd only)* | 65.1014% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 5,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 57.3876% | 5,128 |
| Net loans and leases to deposits | 67.9516% | 5,109 |
| Net loans and leases to core deposits | 69.1427% | 5,534 |
| Total domestic deposits to total assets | 84.4536% | 4,145 |
| Equity capital to assets | 8.6413% | 5,671 |
| Core capital (leverage) ratio | 8.3923% | 5,551 |
| Tier 1 risk-based capital ratio | 12.9777% | 4,615 |
| Total risk-based capital ratio | 14.1222% | 4,678 |
| Memoranda: | ||
| Average total assets | $45,061,000 | 6,694 |
| Average earning assets | $42,719,200 | 6,622 |
| Average equity | $4,064,200 | 6,977 |
| Average total loans | $26,709,600 | 6,572 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3280% | 3,221 |
| Cost of funding earning assets | 1.2161% | 4,763 |
| Net interest margin | 4.1119% | 2,573 |
| Noninterest income to average assets | 0.1865% | 6,550 |
| Noninterest expense to average assets | 1.8196% | 7,308 |
| Loan and lease loss provision to assets | 0.0541% | 6,528 |
| Net operating income to assets | 2.0546% | 309 |
| Return on assets (ROA) | 2.0602% | 326 |
| Pretax return on assets | 2.2136% | 398 |
| Return on Equity (ROE) | 22.5857% | 178 |
| Retained earnings to average equity (ytd only) | 2.8026% | 4,473 |
| Net charge-offs to loans | 0.0101% | 6,526 |
| Credit loss provision to net charge-offs | 900.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 375.5206% | 84 |
| Efficiency ratio | 44.5836% | 7,448 |
| Assets per employee ($millions) | 4.7003% | 2,596 |
| Cash dividends to net income (ytd only)* | 87.5913% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 5,258 |
| Loan loss allowance to noncurrent loans | 12,033.3333% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 7,357 |
| Noncurrent loans to loans | 0.0104% | 7,246 |
| Net loans and leases to total assets | 60.8982% | 4,737 |
| Net loans and leases to deposits | 72.0935% | 4,828 |
| Net loans and leases to core deposits | 73.3836% | 5,368 |
| Total domestic deposits to total assets | 84.4712% | 3,886 |
| Equity capital to assets | 8.9420% | 5,658 |
| Core capital (leverage) ratio | 8.0771% | 6,236 |
| Tier 1 risk-based capital ratio | 11.9362% | 5,523 |
| Total risk-based capital ratio | 13.0583% | 5,610 |
| Memoranda: | ||
| Average total assets | $44,331,500 | 6,806 |
| Average earning assets | $41,991,000 | 6,725 |
| Average equity | $4,043,750 | 7,074 |
| Average total loans | $26,413,500 | 6,685 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2508% | 3,710 |
| Cost of funding earning assets | 1.2787% | 4,662 |
| Net interest margin | 3.9721% | 3,148 |
| Noninterest income to average assets | 0.1980% | 6,488 |
| Noninterest expense to average assets | 1.8462% | 7,336 |
| Loan and lease loss provision to assets | 0.0460% | 6,510 |
| Net operating income to assets | 1.9244% | 380 |
| Return on assets (ROA) | 1.9244% | 419 |
| Pretax return on assets | 2.0672% | 525 |
| Return on Equity (ROE) | 20.9489% | 258 |
| Retained earnings to average equity (ytd only) | -2.6061% | 6,240 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6279% | 7,411 |
| Assets per employee ($millions) | 5.1616% | 1,972 |
| Cash dividends to net income (ytd only)* | 112.4402% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 4,867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 57.6743% | 5,461 |
| Net loans and leases to deposits | 72.0486% | 4,988 |
| Net loans and leases to core deposits | 72.8222% | 5,582 |
| Total domestic deposits to total assets | 80.0491% | 5,708 |
| Equity capital to assets | 8.5310% | 6,127 |
| Core capital (leverage) ratio | 8.2136% | 5,918 |
| Tier 1 risk-based capital ratio | 12.0282% | 5,284 |
| Total risk-based capital ratio | 13.1813% | 5,345 |
| Memoranda: | ||
| Average total assets | $43,441,000 | 6,881 |
| Average earning assets | $41,136,670 | 6,808 |
| Average equity | $3,990,670 | 7,127 |
| Average total loans | $25,556,330 | 6,769 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2107% | 3,963 |
| Cost of funding earning assets | 1.3330% | 4,608 |
| Net interest margin | 3.8777% | 3,421 |
| Noninterest income to average assets | 0.1812% | 6,659 |
| Noninterest expense to average assets | 1.7647% | 7,506 |
| Loan and lease loss provision to assets | 0.0572% | 6,085 |
| Net operating income to assets | 1.8791% | 422 |
| Return on assets (ROA) | 1.8791% | 460 |
| Pretax return on assets | 2.0222% | 582 |
| Return on Equity (ROE) | 19.6779% | 400 |
| Retained earnings to average equity (ytd only) | 13.6846% | 541 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9057% | 7,553 |
| Assets per employee ($millions) | 4.8737% | 2,404 |
| Cash dividends to net income (ytd only)* | 30.4569% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 4,249 |
| Loan loss allowance to noncurrent loans | 4,387.5000% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 7,451 |
| Noncurrent loans to loans | 0.0326% | 7,332 |
| Net loans and leases to total assets | 55.0692% | 5,880 |
| Net loans and leases to deposits | 66.5904% | 5,759 |
| Net loans and leases to core deposits | 67.3235% | 6,176 |
| Total domestic deposits to total assets | 82.6984% | 4,760 |
| Equity capital to assets | 9.2675% | 4,884 |
| Core capital (leverage) ratio | 9.3763% | 3,939 |
| Tier 1 risk-based capital ratio | 13.6327% | 3,908 |
| Total risk-based capital ratio | 14.8622% | 3,881 |
| Memoranda: | ||
| Average total assets | $41,934,500 | 7,022 |
| Average earning assets | $39,611,000 | 6,943 |
| Average equity | $4,004,500 | 7,189 |
| Average total loans | $24,761,000 | 6,894 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9790% | 1,945 |
| Cost of funding earning assets | 1.5562% | 5,251 |
| Net interest margin | 4.4227% | 1,367 |
| Noninterest income to average assets | 0.2946% | 6,005 |
| Noninterest expense to average assets | 2.0857% | 7,213 |
| Loan and lease loss provision to assets | 0.0600% | 6,962 |
| Net operating income to assets | 1.8600% | 317 |
| Return on assets (ROA) | 1.8641% | 321 |
| Pretax return on assets | 2.3256% | 211 |
| Return on Equity (ROE) | 20.0146% | 243 |
| Retained earnings to average equity (ytd only) | 13.1564% | 144 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7017% | 7,679 |
| Assets per employee ($millions) | 4.4451% | 3,026 |
| Cash dividends to net income (ytd only)* | 34.2657% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 4,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 61.6682% | 5,066 |
| Net loans and leases to deposits | 77.9815% | 4,379 |
| Net loans and leases to core deposits | 86.5771% | 5,464 |
| Total domestic deposits to total assets | 79.0806% | 5,954 |
| Equity capital to assets | 9.8585% | 3,933 |
| Core capital (leverage) ratio | 9.3077% | 3,960 |
| Tier 1 risk-based capital ratio | 13.4467% | 3,854 |
| Total risk-based capital ratio | 14.6822% | 3,811 |
| Memoranda: | ||
| Average total assets | $38,355,600 | 7,161 |
| Average earning assets | $36,176,800 | 7,092 |
| Average equity | $3,572,400 | 7,425 |
| Average total loans | $24,121,200 | 6,965 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0419% | 1,877 |
| Cost of funding earning assets | 1.5663% | 5,559 |
| Net interest margin | 4.4756% | 1,254 |
| Noninterest income to average assets | 0.2214% | 6,643 |
| Noninterest expense to average assets | 2.0451% | 7,298 |
| Loan and lease loss provision to assets | 0.0633% | 6,727 |
| Net operating income to assets | 1.8814% | 373 |
| Return on assets (ROA) | 1.8870% | 395 |
| Pretax return on assets | 2.3473% | 262 |
| Return on Equity (ROE) | 20.5771% | 282 |
| Retained earnings to average equity (ytd only) | 13.8712% | 202 |
| Net charge-offs to loans | -0.0056% | 7,637 |
| Credit loss provision to net charge-offs | -1,800.0000% | 7,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9716% | 7,771 |
| Assets per employee ($millions) | 4.5276% | 2,823 |
| Cash dividends to net income (ytd only)* | 32.5889% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 4,555 |
| Loan loss allowance to noncurrent loans | 165.5340% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 6,202 |
| Noncurrent loans to loans | 0.7805% | 5,738 |
| Net loans and leases to total assets | 63.9393% | 4,884 |
| Net loans and leases to deposits | 88.3157% | 2,903 |
| Net loans and leases to core deposits | 98.8279% | 4,509 |
| Total domestic deposits to total assets | 72.3986% | 7,162 |
| Equity capital to assets | 9.3821% | 4,909 |
| Core capital (leverage) ratio | 9.2522% | 4,257 |
| Tier 1 risk-based capital ratio | 12.5417% | 4,507 |
| Total risk-based capital ratio | 13.7147% | 4,524 |
| Memoranda: | ||
| Average total assets | $37,943,000 | 7,237 |
| Average earning assets | $35,838,000 | 7,165 |
| Average equity | $3,479,500 | 7,516 |
| Average total loans | $23,897,500 | 7,039 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0745% | 1,883 |
| Cost of funding earning assets | 1.6016% | 5,737 |
| Net interest margin | 4.4730% | 1,236 |
| Noninterest income to average assets | 0.2108% | 6,794 |
| Noninterest expense to average assets | 1.9563% | 7,543 |
| Loan and lease loss provision to assets | 0.0432% | 6,802 |
| Net operating income to assets | 1.9638% | 321 |
| Return on assets (ROA) | 1.9725% | 348 |
| Pretax return on assets | 2.4481% | 234 |
| Return on Equity (ROE) | 21.6939% | 254 |
| Retained earnings to average equity (ytd only) | 14.2645% | 246 |
| Net charge-offs to loans | -0.0087% | 7,590 |
| Credit loss provision to net charge-offs | -800.0000% | 7,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0926% | 7,919 |
| Assets per employee ($millions) | 3.8641% | 3,954 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 3,998 |
| Loan loss allowance to noncurrent loans | 176.0638% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 6,217 |
| Noncurrent loans to loans | 0.7651% | 5,708 |
| Net loans and leases to total assets | 62.7313% | 5,231 |
| Net loans and leases to deposits | 80.9754% | 4,393 |
| Net loans and leases to core deposits | 89.9978% | 5,536 |
| Total domestic deposits to total assets | 77.4695% | 6,206 |
| Equity capital to assets | 9.2518% | 4,936 |
| Core capital (leverage) ratio | 9.2742% | 4,203 |
| Tier 1 risk-based capital ratio | 12.9893% | 4,156 |
| Total risk-based capital ratio | 14.2094% | 4,095 |
| Memoranda: | ||
| Average total assets | $37,008,000 | 7,334 |
| Average earning assets | $34,965,670 | 7,266 |
| Average equity | $3,365,000 | 7,611 |
| Average total loans | $23,065,000 | 7,144 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1043% | 1,927 |
| Cost of funding earning assets | 1.6138% | 5,970 |
| Net interest margin | 4.4905% | 1,146 |
| Noninterest income to average assets | 0.2210% | 6,705 |
| Noninterest expense to average assets | 1.9673% | 7,418 |
| Loan and lease loss provision to assets | 0.0663% | 6,119 |
| Net operating income to assets | 1.9342% | 395 |
| Return on assets (ROA) | 1.9342% | 448 |
| Pretax return on assets | 2.4315% | 287 |
| Return on Equity (ROE) | 21.4724% | 332 |
| Retained earnings to average equity (ytd only) | 13.4969% | 568 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0594% | 7,926 |
| Assets per employee ($millions) | 3.6698% | 4,404 |
| Cash dividends to net income (ytd only)* | 37.1429% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 3,247 |
| Loan loss allowance to noncurrent loans | 91.8768% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.9728% | 4,763 |
| Noncurrent loans to loans | 1.5755% | 3,914 |
| Net loans and leases to total assets | 60.8507% | 5,519 |
| Net loans and leases to deposits | 74.7281% | 5,394 |
| Net loans and leases to core deposits | 82.9717% | 6,150 |
| Total domestic deposits to total assets | 81.4295% | 4,777 |
| Equity capital to assets | 9.2948% | 4,945 |
| Core capital (leverage) ratio | 9.2454% | 4,333 |
| Tier 1 risk-based capital ratio | 13.3585% | 3,952 |
| Total risk-based capital ratio | 14.6101% | 3,866 |
| Memoranda: | ||
| Average total assets | $36,191,500 | 7,410 |
| Average earning assets | $34,205,500 | 7,341 |
| Average equity | $3,260,000 | 7,701 |
| Average total loans | $22,312,000 | 7,231 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3676% | 3,594 |
| Cost of funding earning assets | 1.9756% | 6,494 |
| Net interest margin | 4.3920% | 1,707 |
| Noninterest income to average assets | 0.2369% | 6,749 |
| Noninterest expense to average assets | 2.1867% | 6,998 |
| Loan and lease loss provision to assets | 0.0191% | 7,147 |
| Net operating income to assets | 1.5103% | 1,000 |
| Return on assets (ROA) | 1.1900% | 1,733 |
| Pretax return on assets | 1.6966% | 1,152 |
| Return on Equity (ROE) | 7.9730% | 3,085 |
| Retained earnings to average equity (ytd only) | -50.4105% | 8,139 |
| Net charge-offs to loans | 0.0046% | 6,921 |
| Credit loss provision to net charge-offs | 700.0000% | 599 |
| Earnings coverage of net charge-offs (x) | 798.0000% | 64 |
| Efficiency ratio | 50.1562% | 7,653 |
| Assets per employee ($millions) | 3.9650% | 3,588 |
| Cash dividends to net income (ytd only)* | 732.2654% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 2,855 |
| Loan loss allowance to noncurrent loans | 1,038.7097% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 7,232 |
| Noncurrent loans to loans | 0.1411% | 6,987 |
| Net loans and leases to total assets | 60.6501% | 5,816 |
| Net loans and leases to deposits | 72.3870% | 6,010 |
| Net loans and leases to core deposits | 79.2552% | 6,672 |
| Total domestic deposits to total assets | 83.7859% | 3,439 |
| Equity capital to assets | 8.7123% | 5,792 |
| Core capital (leverage) ratio | 8.3861% | 5,794 |
| Tier 1 risk-based capital ratio | 13.2252% | 3,980 |
| Total risk-based capital ratio | 14.4755% | 3,893 |
| Memoranda: | ||
| Average total assets | $36,721,200 | 7,356 |
| Average earning assets | $34,471,400 | 7,307 |
| Average equity | $5,481,000 | 6,984 |
| Average total loans | $21,510,200 | 7,227 |