Home > Melvin Savings Bank > Performance and Condition Ratios
Melvin Savings Bank, Performance and Condition Ratios
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7965% | 4,836 |
| Cost of funding earning assets | 0.3918% | 1,957 |
| Net interest margin | 1.4047% | 4,857 |
| Noninterest income to average assets | 0.5156% | 2,557 |
| Noninterest expense to average assets | 1.7096% | 4,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1535% | 4,662 |
| Return on assets (ROA) | 0.1535% | 4,687 |
| Pretax return on assets | 0.1535% | 4,698 |
| Return on Equity (ROE) | 1.2481% | 4,677 |
| Retained earnings to average equity (ytd only) | -111.6803% | 4,948 |
| Net charge-offs to loans | 0.0298% | 1,366 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 22.3333% | 1,490 |
| Efficiency ratio | 91.7589% | 301 |
| Assets per employee ($millions) | 9.3662% | 754 |
| Cash dividends to net income (ytd only)* | 9,047.7612% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 1,473 |
| Loan loss allowance to noncurrent loans | 1,960.0000% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 4,179 |
| Noncurrent loans to loans | 0.0783% | 3,795 |
| Net loans and leases to total assets | 20.1352% | 4,833 |
| Net loans and leases to deposits | 21.7220% | 4,847 |
| Net loans and leases to core deposits | 21.8693% | 4,848 |
| Total domestic deposits to total assets | 92.6950% | 54 |
| Equity capital to assets | 7.2174% | 4,802 |
| Core capital (leverage) ratio | 7.6309% | 4,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,273,667 | 4,202 |
| Average earning assets | $83,719,333 | 4,159 |
| Average equity | $10,736,000 | 4,131 |
| Average total loans | $20,147,667 | 4,665 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9005% | 4,857 |
| Cost of funding earning assets | 0.4062% | 2,045 |
| Net interest margin | 1.4943% | 4,876 |
| Noninterest income to average assets | 0.5138% | 2,549 |
| Noninterest expense to average assets | 1.4986% | 4,655 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4329% | 4,305 |
| Return on assets (ROA) | 0.4329% | 4,335 |
| Pretax return on assets | 0.4329% | 4,444 |
| Return on Equity (ROE) | 2.8607% | 4,497 |
| Retained earnings to average equity (ytd only) | -1.6347% | 4,517 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5862% | 987 |
| Assets per employee ($millions) | 9.1005% | 801 |
| Cash dividends to net income (ytd only)* | 157.1429% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4986% | 1,612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4395% | 2,074 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 21.4516% | 4,842 |
| Net loans and leases to deposits | 24.9505% | 4,845 |
| Net loans and leases to core deposits | 25.2196% | 4,850 |
| Total domestic deposits to total assets | 85.9766% | 2,743 |
| Equity capital to assets | 13.9509% | 682 |
| Core capital (leverage) ratio | 15.1303% | 458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,079,500 | 4,255 |
| Average earning assets | $79,768,500 | 4,224 |
| Average equity | $12,724,000 | 3,927 |
| Average total loans | $20,645,000 | 4,678 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7902% | 4,756 |
| Cost of funding earning assets | 0.5675% | 2,520 |
| Net interest margin | 2.2227% | 4,747 |
| Noninterest income to average assets | 0.2337% | 4,100 |
| Noninterest expense to average assets | 1.9030% | 4,319 |
| Loan and lease loss provision to assets | 0.1992% | 1,963 |
| Net operating income to assets | 0.2258% | 4,541 |
| Return on assets (ROA) | 0.2258% | 4,599 |
| Pretax return on assets | 0.2430% | 4,615 |
| Return on Equity (ROE) | 1.3342% | 4,643 |
| Retained earnings to average equity (ytd only) | 0.2119% | 4,454 |
| Net charge-offs to loans | 1.0632% | 119 |
| Credit loss provision to net charge-offs | 58.1395% | 3,096 |
| Earnings coverage of net charge-offs (x) | 1.2907% | 3,269 |
| Efficiency ratio | 81.1438% | 802 |
| Assets per employee ($millions) | 7.7154% | 1,162 |
| Cash dividends to net income (ytd only)* | 84.1176% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 2,036 |
| Loan loss allowance to noncurrent loans | 2,475.0000% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.5340% | 1,963 |
| Noncurrent loans to loans | 0.0559% | 4,067 |
| Net loans and leases to total assets | 27.4438% | 4,802 |
| Net loans and leases to deposits | 32.9111% | 4,802 |
| Net loans and leases to core deposits | 33.3423% | 4,819 |
| Total domestic deposits to total assets | 83.3878% | 3,298 |
| Equity capital to assets | 16.5280% | 382 |
| Core capital (leverage) ratio | 16.2061% | 370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,300,400 | 4,306 |
| Average earning assets | $71,536,000 | 4,271 |
| Average equity | $12,742,000 | 3,890 |
| Average total loans | $24,266,000 | 4,632 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9141% | 4,787 |
| Cost of funding earning assets | 0.5959% | 2,638 |
| Net interest margin | 2.3182% | 4,773 |
| Noninterest income to average assets | 0.2370% | 4,077 |
| Noninterest expense to average assets | 1.6854% | 4,641 |
| Loan and lease loss provision to assets | 0.2672% | 1,522 |
| Net operating income to assets | 0.4810% | 4,083 |
| Return on assets (ROA) | 0.4810% | 4,158 |
| Pretax return on assets | 0.4953% | 4,290 |
| Return on Equity (ROE) | 2.8258% | 4,422 |
| Retained earnings to average equity (ytd only) | 1.3292% | 4,141 |
| Net charge-offs to loans | 1.3298% | 93 |
| Credit loss provision to net charge-offs | 60.2410% | 2,852 |
| Earnings coverage of net charge-offs (x) | 1.7189% | 3,051 |
| Efficiency ratio | 68.8501% | 2,068 |
| Assets per employee ($millions) | 7.7846% | 1,082 |
| Cash dividends to net income (ytd only)* | 52.9630% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 2,174 |
| Loan loss allowance to noncurrent loans | 147.8261% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.7797% | 1,481 |
| Noncurrent loans to loans | 0.8765% | 1,705 |
| Net loans and leases to total assets | 29.9437% | 4,825 |
| Net loans and leases to deposits | 35.9107% | 4,824 |
| Net loans and leases to core deposits | 36.3770% | 4,839 |
| Total domestic deposits to total assets | 83.3839% | 3,029 |
| Equity capital to assets | 16.5108% | 414 |
| Core capital (leverage) ratio | 17.3585% | 314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,837,000 | 4,317 |
| Average earning assets | $71,376,500 | 4,292 |
| Average equity | $12,739,500 | 3,895 |
| Average total loans | $24,964,750 | 4,643 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0550% | 4,813 |
| Cost of funding earning assets | 0.6406% | 2,754 |
| Net interest margin | 2.4144% | 4,786 |
| Noninterest income to average assets | 0.2248% | 4,141 |
| Noninterest expense to average assets | 1.7119% | 4,671 |
| Loan and lease loss provision to assets | 0.4063% | 991 |
| Net operating income to assets | 0.3955% | 4,240 |
| Return on assets (ROA) | 0.3955% | 4,298 |
| Pretax return on assets | 0.4036% | 4,403 |
| Return on Equity (ROE) | 2.2989% | 4,472 |
| Retained earnings to average equity (ytd only) | 0.0472% | 4,295 |
| Net charge-offs to loans | 1.9517% | 64 |
| Credit loss provision to net charge-offs | 60.4839% | 2,585 |
| Earnings coverage of net charge-offs (x) | 1.2056% | 2,875 |
| Efficiency ratio | 67.8840% | 2,247 |
| Assets per employee ($millions) | 7.3155% | 1,269 |
| Cash dividends to net income (ytd only)* | 97.9452% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 2,734 |
| Loan loss allowance to noncurrent loans | 1,530.0000% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 2,083 |
| Noncurrent loans to loans | 0.0758% | 4,153 |
| Net loans and leases to total assets | 35.6421% | 4,736 |
| Net loans and leases to deposits | 43.2104% | 4,718 |
| Net loans and leases to core deposits | 43.8130% | 4,756 |
| Total domestic deposits to total assets | 82.4851% | 3,242 |
| Equity capital to assets | 17.4028% | 341 |
| Core capital (leverage) ratio | 16.5693% | 386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,834,000 | 4,339 |
| Average earning assets | $70,245,333 | 4,309 |
| Average equity | $12,701,667 | 3,905 |
| Average total loans | $25,414,333 | 4,657 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1473% | 4,895 |
| Cost of funding earning assets | 0.6874% | 2,983 |
| Net interest margin | 2.4599% | 4,843 |
| Noninterest income to average assets | 0.1456% | 4,635 |
| Noninterest expense to average assets | 1.7041% | 4,776 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7766% | 2,987 |
| Return on assets (ROA) | 0.7766% | 3,068 |
| Pretax return on assets | 0.7766% | 3,473 |
| Return on Equity (ROE) | 4.5401% | 3,805 |
| Retained earnings to average equity (ytd only) | 2.1755% | 3,381 |
| Net charge-offs to loans | 0.0321% | 1,747 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 714 |
| Efficiency ratio | 68.6957% | 2,556 |
| Assets per employee ($millions) | 6.7644% | 1,195 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 1,208 |
| Loan loss allowance to noncurrent loans | 1,256.2500% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 4,392 |
| Noncurrent loans to loans | 0.1230% | 4,030 |
| Net loans and leases to total assets | 34.4358% | 4,822 |
| Net loans and leases to deposits | 41.6059% | 4,808 |
| Net loans and leases to core deposits | 42.1743% | 4,840 |
| Total domestic deposits to total assets | 82.7666% | 3,188 |
| Equity capital to assets | 17.1057% | 428 |
| Core capital (leverage) ratio | 16.8914% | 423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,173,500 | 4,341 |
| Average earning assets | $70,409,500 | 4,308 |
| Average equity | $12,687,000 | 3,917 |
| Average total loans | $24,931,500 | 4,697 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2244% | 4,989 |
| Cost of funding earning assets | 0.7883% | 2,734 |
| Net interest margin | 2.4360% | 4,997 |
| Noninterest income to average assets | 0.2024% | 4,448 |
| Noninterest expense to average assets | 2.0299% | 4,481 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4400% | 4,519 |
| Return on assets (ROA) | 0.4400% | 4,553 |
| Pretax return on assets | 0.4878% | 4,596 |
| Return on Equity (ROE) | 2.4886% | 4,747 |
| Retained earnings to average equity (ytd only) | 1.3517% | 4,260 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6253% | 892 |
| Assets per employee ($millions) | 6.7217% | 1,169 |
| Cash dividends to net income (ytd only)* | 45.6869% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 801 |
| Loan loss allowance to noncurrent loans | 60.3577% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 0.9075% | 1,404 |
| Noncurrent loans to loans | 2.8148% | 354 |
| Net loans and leases to total assets | 31.6923% | 4,942 |
| Net loans and leases to deposits | 38.2948% | 4,935 |
| Net loans and leases to core deposits | 39.0127% | 4,961 |
| Total domestic deposits to total assets | 82.7588% | 3,286 |
| Equity capital to assets | 17.1033% | 455 |
| Core capital (leverage) ratio | 17.1348% | 401 |
| Tier 1 risk-based capital ratio | 31.0336% | 441 |
| Total risk-based capital ratio | 32.0460% | 442 |
| Memoranda: | ||
| Average total assets | $71,138,000 | 4,414 |
| Average earning assets | $67,610,400 | 4,378 |
| Average equity | $12,577,200 | 3,927 |
| Average total loans | $25,074,200 | 4,745 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3723% | 5,037 |
| Cost of funding earning assets | 0.8014% | 2,710 |
| Net interest margin | 2.5709% | 5,022 |
| Noninterest income to average assets | 0.1666% | 4,720 |
| Noninterest expense to average assets | 1.7736% | 4,853 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7950% | 3,691 |
| Return on assets (ROA) | 0.7950% | 3,766 |
| Pretax return on assets | 0.8461% | 4,021 |
| Return on Equity (ROE) | 4.4585% | 4,487 |
| Retained earnings to average equity (ytd only) | 2.9404% | 3,914 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7023% | 2,469 |
| Assets per employee ($millions) | 6.3872% | 1,339 |
| Cash dividends to net income (ytd only)* | 34.0470% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6199% | 957 |
| Loan loss allowance to noncurrent loans | 47.7594% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.2070% | 1,050 |
| Noncurrent loans to loans | 3.3919% | 253 |
| Net loans and leases to total assets | 35.0076% | 4,969 |
| Net loans and leases to deposits | 42.8561% | 4,940 |
| Net loans and leases to core deposits | 43.7138% | 4,966 |
| Total domestic deposits to total assets | 81.6863% | 3,564 |
| Equity capital to assets | 18.1514% | 381 |
| Core capital (leverage) ratio | 18.3311% | 326 |
| Tier 1 risk-based capital ratio | 37.5934% | 289 |
| Total risk-based capital ratio | 38.8093% | 284 |
| Memoranda: | ||
| Average total assets | $70,437,750 | 4,479 |
| Average earning assets | $67,213,000 | 4,439 |
| Average equity | $12,560,000 | 3,965 |
| Average total loans | $25,383,250 | 4,811 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3752% | 5,094 |
| Cost of funding earning assets | 0.8052% | 2,615 |
| Net interest margin | 2.5701% | 5,093 |
| Noninterest income to average assets | 0.1731% | 4,713 |
| Noninterest expense to average assets | 1.8582% | 4,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7121% | 3,967 |
| Return on assets (ROA) | 0.7121% | 4,024 |
| Pretax return on assets | 0.7688% | 4,171 |
| Return on Equity (ROE) | 4.0174% | 4,579 |
| Retained earnings to average equity (ytd only) | 1.7126% | 4,204 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7343% | 2,113 |
| Assets per employee ($millions) | 5.6403% | 1,833 |
| Cash dividends to net income (ytd only)* | 57.3705% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 973 |
| Loan loss allowance to noncurrent loans | 50.7519% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 1.1790% | 1,142 |
| Noncurrent loans to loans | 3.2019% | 299 |
| Net loans and leases to total assets | 36.2242% | 4,968 |
| Net loans and leases to deposits | 44.5725% | 4,940 |
| Net loans and leases to core deposits | 45.2487% | 4,978 |
| Total domestic deposits to total assets | 81.2703% | 3,731 |
| Equity capital to assets | 18.5923% | 323 |
| Core capital (leverage) ratio | 17.3712% | 393 |
| Tier 1 risk-based capital ratio | 37.5289% | 282 |
| Total risk-based capital ratio | 38.7593% | 280 |
| Memoranda: | ||
| Average total assets | $70,497,330 | 4,511 |
| Average earning assets | $67,313,670 | 4,475 |
| Average equity | $12,495,670 | 3,981 |
| Average total loans | $25,510,670 | 4,842 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2517% | 5,195 |
| Cost of funding earning assets | 0.7692% | 2,690 |
| Net interest margin | 2.4825% | 5,197 |
| Noninterest income to average assets | 0.1613% | 4,771 |
| Noninterest expense to average assets | 1.8413% | 4,873 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6898% | 3,973 |
| Return on assets (ROA) | 0.6898% | 4,010 |
| Pretax return on assets | 0.6898% | 4,322 |
| Return on Equity (ROE) | 3.9835% | 4,578 |
| Retained earnings to average equity (ytd only) | -0.6425% | 4,613 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7473% | 1,918 |
| Assets per employee ($millions) | 5.9639% | 1,577 |
| Cash dividends to net income (ytd only)* | 116.1290% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5772% | 1,108 |
| Loan loss allowance to noncurrent loans | 60.5381% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 0.9348% | 1,507 |
| Noncurrent loans to loans | 2.6053% | 492 |
| Net loans and leases to total assets | 35.3138% | 5,037 |
| Net loans and leases to deposits | 42.8240% | 5,014 |
| Net loans and leases to core deposits | 44.1882% | 5,035 |
| Total domestic deposits to total assets | 82.4626% | 3,596 |
| Equity capital to assets | 17.3921% | 407 |
| Core capital (leverage) ratio | 17.5299% | 369 |
| Tier 1 risk-based capital ratio | 36.2577% | 297 |
| Total risk-based capital ratio | 37.4588% | 290 |
| Memoranda: | ||
| Average total assets | $71,904,000 | 4,534 |
| Average earning assets | $68,641,000 | 4,503 |
| Average equity | $12,451,500 | 4,010 |
| Average total loans | $25,804,500 | 4,889 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2689% | 5,103 |
| Cost of funding earning assets | 0.6579% | 2,338 |
| Net interest margin | 2.6110% | 5,151 |
| Noninterest income to average assets | 0.2107% | 4,651 |
| Noninterest expense to average assets | 2.0077% | 4,739 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6730% | 4,224 |
| Return on assets (ROA) | 0.6730% | 4,232 |
| Pretax return on assets | 0.6999% | 4,415 |
| Return on Equity (ROE) | 3.8702% | 4,743 |
| Retained earnings to average equity (ytd only) | 2.6994% | 4,052 |
| Net charge-offs to loans | 0.0115% | 3,290 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 524 |
| Efficiency ratio | 74.1514% | 1,607 |
| Assets per employee ($millions) | 6.0201% | 1,506 |
| Cash dividends to net income (ytd only)* | 30.2521% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5618% | 1,113 |
| Loan loss allowance to noncurrent loans | 58.6107% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 0.9565% | 1,428 |
| Noncurrent loans to loans | 2.6648% | 432 |
| Net loans and leases to total assets | 35.3345% | 5,086 |
| Net loans and leases to deposits | 42.7614% | 5,057 |
| Net loans and leases to core deposits | 44.8801% | 5,064 |
| Total domestic deposits to total assets | 82.6317% | 3,441 |
| Equity capital to assets | 17.2423% | 401 |
| Core capital (leverage) ratio | 16.6762% | 441 |
| Tier 1 risk-based capital ratio | 35.4014% | 310 |
| Total risk-based capital ratio | 36.5723% | 305 |
| Memoranda: | ||
| Average total assets | $70,726,200 | 4,573 |
| Average earning assets | $67,636,800 | 4,532 |
| Average equity | $12,299,200 | 3,990 |
| Average total loans | $25,989,800 | 4,907 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2405% | 5,175 |
| Cost of funding earning assets | 0.6176% | 2,358 |
| Net interest margin | 2.6229% | 5,210 |
| Noninterest income to average assets | 0.1782% | 4,893 |
| Noninterest expense to average assets | 1.7153% | 5,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9647% | 3,241 |
| Return on assets (ROA) | 0.9647% | 3,256 |
| Pretax return on assets | 0.9742% | 3,806 |
| Return on Equity (ROE) | 5.5355% | 4,405 |
| Retained earnings to average equity (ytd only) | 3.9803% | 3,784 |
| Net charge-offs to loans | 0.0154% | 2,876 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 171.3300% | 487 |
| Efficiency ratio | 63.7773% | 3,221 |
| Assets per employee ($millions) | 5.8643% | 1,594 |
| Cash dividends to net income (ytd only)* | 28.0940% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 1,325 |
| Loan loss allowance to noncurrent loans | 2,531.2500% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 4,875 |
| Noncurrent loans to loans | 0.0595% | 4,628 |
| Net loans and leases to total assets | 37.6178% | 5,092 |
| Net loans and leases to deposits | 45.8041% | 5,059 |
| Net loans and leases to core deposits | 48.1528% | 5,062 |
| Total domestic deposits to total assets | 82.1276% | 3,572 |
| Equity capital to assets | 17.7346% | 357 |
| Core capital (leverage) ratio | 17.7655% | 351 |
| Tier 1 risk-based capital ratio | 35.1049% | 321 |
| Total risk-based capital ratio | 36.2628% | 321 |
| Memoranda: | ||
| Average total assets | $70,347,500 | 4,624 |
| Average earning assets | $67,353,250 | 4,582 |
| Average equity | $12,260,000 | 4,030 |
| Average total loans | $26,004,500 | 4,966 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1750% | 5,251 |
| Cost of funding earning assets | 0.5805% | 2,358 |
| Net interest margin | 2.5945% | 5,280 |
| Noninterest income to average assets | 0.1848% | 4,905 |
| Noninterest expense to average assets | 1.7316% | 5,162 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9184% | 3,386 |
| Return on assets (ROA) | 0.9184% | 3,390 |
| Pretax return on assets | 0.9440% | 3,826 |
| Return on Equity (ROE) | 5.3009% | 4,462 |
| Retained earnings to average equity (ytd only) | 2.9212% | 4,081 |
| Net charge-offs to loans | 0.0233% | 2,402 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 110.6667% | 652 |
| Efficiency ratio | 64.7184% | 3,209 |
| Assets per employee ($millions) | 5.7346% | 1,694 |
| Cash dividends to net income (ytd only)* | 44.8916% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 1,268 |
| Loan loss allowance to noncurrent loans | 10,125.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 5,020 |
| Noncurrent loans to loans | 0.0152% | 4,878 |
| Net loans and leases to total assets | 37.5950% | 5,140 |
| Net loans and leases to deposits | 45.8307% | 5,104 |
| Net loans and leases to core deposits | 46.2453% | 5,140 |
| Total domestic deposits to total assets | 82.0301% | 3,717 |
| Equity capital to assets | 17.8711% | 336 |
| Core capital (leverage) ratio | 17.1786% | 376 |
| Tier 1 risk-based capital ratio | 36.4670% | 289 |
| Total risk-based capital ratio | 37.6885% | 286 |
| Memoranda: | ||
| Average total assets | $70,339,670 | 4,677 |
| Average earning assets | $67,528,000 | 4,629 |
| Average equity | $12,186,670 | 4,060 |
| Average total loans | $25,713,670 | 5,031 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0424% | 5,350 |
| Cost of funding earning assets | 0.5510% | 2,399 |
| Net interest margin | 2.4914% | 5,400 |
| Noninterest income to average assets | 0.1744% | 4,980 |
| Noninterest expense to average assets | 1.7496% | 5,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8157% | 3,644 |
| Return on assets (ROA) | 0.8157% | 3,655 |
| Pretax return on assets | 0.8157% | 4,110 |
| Return on Equity (ROE) | 4.7811% | 4,554 |
| Retained earnings to average equity (ytd only) | 0.0659% | 4,795 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2018% | 2,797 |
| Assets per employee ($millions) | 5.8529% | 1,648 |
| Cash dividends to net income (ytd only)* | 98.6207% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5672% | 1,233 |
| Loan loss allowance to noncurrent loans | 13,600.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 5,122 |
| Noncurrent loans to loans | 0.0115% | 4,959 |
| Net loans and leases to total assets | 36.4861% | 5,192 |
| Net loans and leases to deposits | 44.1546% | 5,157 |
| Net loans and leases to core deposits | 44.5414% | 5,194 |
| Total domestic deposits to total assets | 82.6326% | 3,776 |
| Equity capital to assets | 17.2635% | 379 |
| Core capital (leverage) ratio | 17.2422% | 357 |
| Tier 1 risk-based capital ratio | 35.8674% | 311 |
| Total risk-based capital ratio | 37.0978% | 307 |
| Memoranda: | ||
| Average total assets | $71,102,000 | 4,720 |
| Average earning assets | $68,236,000 | 4,673 |
| Average equity | $12,131,000 | 4,099 |
| Average total loans | $25,432,500 | 5,091 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0854% | 5,305 |
| Cost of funding earning assets | 0.4707% | 2,598 |
| Net interest margin | 2.6147% | 5,341 |
| Noninterest income to average assets | 0.2211% | 4,827 |
| Noninterest expense to average assets | 2.0101% | 4,941 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6647% | 3,757 |
| Return on assets (ROA) | 0.6647% | 3,796 |
| Pretax return on assets | 0.7156% | 4,475 |
| Return on Equity (ROE) | 3.7981% | 4,560 |
| Retained earnings to average equity (ytd only) | 1.5957% | 4,353 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7460% | 1,932 |
| Assets per employee ($millions) | 5.9974% | 1,515 |
| Cash dividends to net income (ytd only)* | 57.9869% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 1,050 |
| Loan loss allowance to noncurrent loans | 1,165.7143% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 4,894 |
| Noncurrent loans to loans | 0.1410% | 4,359 |
| Net loans and leases to total assets | 33.9354% | 5,344 |
| Net loans and leases to deposits | 40.8569% | 5,323 |
| Net loans and leases to core deposits | 41.2043% | 5,359 |
| Total domestic deposits to total assets | 83.0594% | 3,542 |
| Equity capital to assets | 16.8642% | 410 |
| Core capital (leverage) ratio | 17.1263% | 363 |
| Tier 1 risk-based capital ratio | 37.2855% | 271 |
| Total risk-based capital ratio | 38.5350% | 264 |
| Memoranda: | ||
| Average total assets | $68,751,800 | 4,800 |
| Average earning assets | $65,858,800 | 4,747 |
| Average equity | $12,032,400 | 4,130 |
| Average total loans | $26,155,000 | 5,125 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0930% | 5,343 |
| Cost of funding earning assets | 0.4632% | 2,587 |
| Net interest margin | 2.6298% | 5,383 |
| Noninterest income to average assets | 0.1845% | 5,096 |
| Noninterest expense to average assets | 1.6483% | 5,407 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0007% | 2,547 |
| Return on assets (ROA) | 1.0007% | 2,601 |
| Pretax return on assets | 1.0537% | 3,477 |
| Return on Equity (ROE) | 5.6636% | 4,264 |
| Retained earnings to average equity (ytd only) | 2.7541% | 4,258 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0022% | 4,042 |
| Assets per employee ($millions) | 6.1347% | 1,410 |
| Cash dividends to net income (ytd only)* | 51.3721% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5737% | 1,294 |
| Loan loss allowance to noncurrent loans | 193.3649% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 3,813 |
| Noncurrent loans to loans | 0.8139% | 2,328 |
| Net loans and leases to total assets | 37.8145% | 5,277 |
| Net loans and leases to deposits | 46.2140% | 5,252 |
| Net loans and leases to core deposits | 46.6389% | 5,295 |
| Total domestic deposits to total assets | 81.8248% | 3,823 |
| Equity capital to assets | 18.0863% | 328 |
| Core capital (leverage) ratio | 18.3215% | 284 |
| Tier 1 risk-based capital ratio | 36.5417% | 290 |
| Total risk-based capital ratio | 37.7869% | 286 |
| Memoranda: | ||
| Average total assets | $67,947,500 | 4,861 |
| Average earning assets | $65,047,750 | 4,812 |
| Average equity | $12,006,250 | 4,178 |
| Average total loans | $26,486,000 | 5,163 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0613% | 5,383 |
| Cost of funding earning assets | 0.4606% | 2,505 |
| Net interest margin | 2.6008% | 5,435 |
| Noninterest income to average assets | 0.1733% | 5,185 |
| Noninterest expense to average assets | 1.6446% | 5,460 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9633% | 2,595 |
| Return on assets (ROA) | 0.9633% | 2,652 |
| Pretax return on assets | 1.0161% | 3,501 |
| Return on Equity (ROE) | 5.4941% | 4,274 |
| Retained earnings to average equity (ytd only) | 1.1055% | 4,799 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8102% | 4,024 |
| Assets per employee ($millions) | 5.9811% | 1,479 |
| Cash dividends to net income (ytd only)* | 79.8780% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4847% | 1,629 |
| Loan loss allowance to noncurrent loans | 2,914.2857% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 5,190 |
| Noncurrent loans to loans | 0.0509% | 4,935 |
| Net loans and leases to total assets | 41.1479% | 5,185 |
| Net loans and leases to deposits | 50.3899% | 5,124 |
| Net loans and leases to core deposits | 50.8662% | 5,189 |
| Total domestic deposits to total assets | 81.6589% | 3,992 |
| Equity capital to assets | 18.2758% | 306 |
| Core capital (leverage) ratio | 17.2827% | 349 |
| Tier 1 risk-based capital ratio | 33.1069% | 360 |
| Total risk-based capital ratio | 34.2523% | 357 |
| Memoranda: | ||
| Average total assets | $68,102,670 | 4,895 |
| Average earning assets | $65,135,000 | 4,847 |
| Average equity | $11,940,000 | 4,198 |
| Average total loans | $26,672,670 | 5,198 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9069% | 5,536 |
| Cost of funding earning assets | 0.4300% | 2,722 |
| Net interest margin | 2.4769% | 5,566 |
| Noninterest income to average assets | 0.1617% | 5,309 |
| Noninterest expense to average assets | 1.6287% | 5,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8952% | 2,785 |
| Return on assets (ROA) | 0.8952% | 2,832 |
| Pretax return on assets | 0.8952% | 3,792 |
| Return on Equity (ROE) | 5.2110% | 4,296 |
| Retained earnings to average equity (ytd only) | -3.5972% | 5,305 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5309% | 3,746 |
| Assets per employee ($millions) | 6.3229% | 1,280 |
| Cash dividends to net income (ytd only)* | 169.0323% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5987% | 1,384 |
| Loan loss allowance to noncurrent loans | 251.8519% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 4,288 |
| Noncurrent loans to loans | 0.6348% | 2,926 |
| Net loans and leases to total assets | 36.1054% | 5,394 |
| Net loans and leases to deposits | 43.5609% | 5,372 |
| Net loans and leases to core deposits | 43.9428% | 5,411 |
| Total domestic deposits to total assets | 82.8847% | 3,886 |
| Equity capital to assets | 17.0347% | 382 |
| Core capital (leverage) ratio | 17.2697% | 344 |
| Tier 1 risk-based capital ratio | 36.5728% | 285 |
| Total risk-based capital ratio | 37.8227% | 280 |
| Memoranda: | ||
| Average total assets | $69,258,000 | 4,931 |
| Average earning assets | $66,050,500 | 4,879 |
| Average equity | $11,898,000 | 4,231 |
| Average total loans | $26,269,000 | 5,266 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3508% | 5,078 |
| Cost of funding earning assets | 0.4092% | 2,915 |
| Net interest margin | 2.9416% | 5,061 |
| Noninterest income to average assets | 0.2240% | 5,069 |
| Noninterest expense to average assets | 2.1062% | 4,990 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8870% | 2,894 |
| Return on assets (ROA) | 0.8870% | 3,010 |
| Pretax return on assets | 0.9276% | 3,743 |
| Return on Equity (ROE) | 5.0030% | 4,433 |
| Retained earnings to average equity (ytd only) | 4.1211% | 2,974 |
| Net charge-offs to loans | -0.0035% | 4,762 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4252% | 3,005 |
| Assets per employee ($millions) | 6.2695% | 1,280 |
| Cash dividends to net income (ytd only)* | 17.6271% | 3,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 1,628 |
| Loan loss allowance to noncurrent loans | 2,266.6667% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 5,280 |
| Noncurrent loans to loans | 0.0666% | 4,977 |
| Net loans and leases to total assets | 38.5853% | 5,378 |
| Net loans and leases to deposits | 46.6998% | 5,343 |
| Net loans and leases to core deposits | 47.1140% | 5,398 |
| Total domestic deposits to total assets | 82.6243% | 3,886 |
| Equity capital to assets | 17.3250% | 351 |
| Core capital (leverage) ratio | 17.0832% | 352 |
| Tier 1 risk-based capital ratio | 35.1334% | 318 |
| Total risk-based capital ratio | 36.3568% | 312 |
| Memoranda: | ||
| Average total assets | $66,518,400 | 4,999 |
| Average earning assets | $63,537,600 | 4,951 |
| Average equity | $11,793,000 | 4,278 |
| Average total loans | $28,447,200 | 5,250 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4194% | 4,985 |
| Cost of funding earning assets | 0.4053% | 2,968 |
| Net interest margin | 3.0142% | 4,988 |
| Noninterest income to average assets | 0.1881% | 5,331 |
| Noninterest expense to average assets | 1.6771% | 5,623 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3736% | 1,120 |
| Return on assets (ROA) | 1.3736% | 1,188 |
| Pretax return on assets | 1.3999% | 2,037 |
| Return on Equity (ROE) | 7.7020% | 3,189 |
| Retained earnings to average equity (ytd only) | 6.5109% | 1,908 |
| Net charge-offs to loans | -0.0046% | 4,605 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5036% | 5,200 |
| Assets per employee ($millions) | 6.0671% | 1,386 |
| Cash dividends to net income (ytd only)* | 15.4643% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4192% | 2,116 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 5,340 |
| Noncurrent loans to loans | 0.0835% | 5,017 |
| Net loans and leases to total assets | 42.4661% | 5,273 |
| Net loans and leases to deposits | 51.8923% | 5,207 |
| Net loans and leases to core deposits | 52.3718% | 5,301 |
| Total domestic deposits to total assets | 81.8349% | 3,983 |
| Equity capital to assets | 18.1021% | 339 |
| Core capital (leverage) ratio | 18.2670% | 281 |
| Tier 1 risk-based capital ratio | 33.8330% | 364 |
| Total risk-based capital ratio | 34.9979% | 362 |
| Memoranda: | ||
| Average total assets | $65,907,000 | 5,055 |
| Average earning assets | $63,166,750 | 4,999 |
| Average equity | $11,754,250 | 4,326 |
| Average total loans | $28,804,500 | 5,284 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3922% | 5,095 |
| Cost of funding earning assets | 0.3974% | 3,066 |
| Net interest margin | 2.9948% | 5,094 |
| Noninterest income to average assets | 0.1859% | 5,383 |
| Noninterest expense to average assets | 1.6974% | 5,691 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3195% | 1,226 |
| Return on assets (ROA) | 1.3195% | 1,315 |
| Pretax return on assets | 1.3591% | 2,170 |
| Return on Equity (ROE) | 7.4365% | 3,300 |
| Retained earnings to average equity (ytd only) | 5.6332% | 2,345 |
| Net charge-offs to loans | -0.0069% | 4,604 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5334% | 5,194 |
| Assets per employee ($millions) | 5.8912% | 1,487 |
| Cash dividends to net income (ytd only)* | 24.2494% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 2,232 |
| Loan loss allowance to noncurrent loans | 516.4557% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 5,024 |
| Noncurrent loans to loans | 0.2736% | 4,388 |
| Net loans and leases to total assets | 43.9347% | 5,235 |
| Net loans and leases to deposits | 53.7869% | 5,149 |
| Net loans and leases to core deposits | 54.6122% | 5,245 |
| Total domestic deposits to total assets | 81.6829% | 4,095 |
| Equity capital to assets | 18.2677% | 317 |
| Core capital (leverage) ratio | 17.7230% | 317 |
| Tier 1 risk-based capital ratio | 32.6792% | 394 |
| Total risk-based capital ratio | 33.8279% | 389 |
| Memoranda: | ||
| Average total assets | $65,630,000 | 5,111 |
| Average earning assets | $62,908,330 | 5,052 |
| Average equity | $11,645,330 | 4,377 |
| Average total loans | $28,823,000 | 5,340 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4433% | 5,020 |
| Cost of funding earning assets | 0.3980% | 3,092 |
| Net interest margin | 3.0453% | 5,016 |
| Noninterest income to average assets | 0.1756% | 5,444 |
| Noninterest expense to average assets | 1.7019% | 5,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3930% | 1,049 |
| Return on assets (ROA) | 1.3930% | 1,110 |
| Pretax return on assets | 1.3930% | 1,926 |
| Return on Equity (ROE) | 7.9661% | 2,936 |
| Retained earnings to average equity (ytd only) | 4.3640% | 3,297 |
| Net charge-offs to loans | -0.0139% | 4,675 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9902% | 5,287 |
| Assets per employee ($millions) | 5.9248% | 1,461 |
| Cash dividends to net income (ytd only)* | 45.2174% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 2,300 |
| Loan loss allowance to noncurrent loans | 416.3265% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 4,973 |
| Noncurrent loans to loans | 0.3432% | 4,208 |
| Net loans and leases to total assets | 43.1927% | 5,290 |
| Net loans and leases to deposits | 52.6050% | 5,187 |
| Net loans and leases to core deposits | 52.9016% | 5,315 |
| Total domestic deposits to total assets | 82.1076% | 4,191 |
| Equity capital to assets | 17.8295% | 342 |
| Core capital (leverage) ratio | 17.3351% | 344 |
| Tier 1 risk-based capital ratio | 32.4482% | 412 |
| Total risk-based capital ratio | 33.6106% | 409 |
| Memoranda: | ||
| Average total assets | $66,043,500 | 5,150 |
| Average earning assets | $63,310,500 | 5,092 |
| Average equity | $11,549,000 | 4,409 |
| Average total loans | $28,795,000 | 5,384 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1138% | 5,618 |
| Cost of funding earning assets | 0.3278% | 3,933 |
| Net interest margin | 2.7861% | 5,541 |
| Noninterest income to average assets | 0.2615% | 5,021 |
| Noninterest expense to average assets | 2.0632% | 5,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8225% | 3,232 |
| Return on assets (ROA) | 0.8225% | 3,313 |
| Pretax return on assets | 0.8605% | 3,987 |
| Return on Equity (ROE) | 4.7850% | 4,614 |
| Retained earnings to average equity (ytd only) | 3.6706% | 3,442 |
| Net charge-offs to loans | 0.0228% | 3,807 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 94.3333% | 610 |
| Efficiency ratio | 70.5668% | 3,134 |
| Assets per employee ($millions) | 6.0831% | 1,329 |
| Cash dividends to net income (ytd only)* | 23.2902% | 3,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 2,394 |
| Loan loss allowance to noncurrent loans | 1,133.3333% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 5,455 |
| Noncurrent loans to loans | 0.1240% | 4,997 |
| Net loans and leases to total assets | 42.7773% | 5,361 |
| Net loans and leases to deposits | 51.6632% | 5,301 |
| Net loans and leases to core deposits | 51.9445% | 5,412 |
| Total domestic deposits to total assets | 82.8003% | 3,906 |
| Equity capital to assets | 17.1534% | 392 |
| Core capital (leverage) ratio | 16.5682% | 409 |
| Tier 1 risk-based capital ratio | 31.1034% | 461 |
| Total risk-based capital ratio | 32.2317% | 462 |
| Memoranda: | ||
| Average total assets | $65,772,600 | 5,184 |
| Average earning assets | $62,848,600 | 5,112 |
| Average equity | $11,306,200 | 4,424 |
| Average total loans | $26,330,000 | 5,509 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0727% | 5,735 |
| Cost of funding earning assets | 0.3199% | 4,105 |
| Net interest margin | 2.7528% | 5,659 |
| Noninterest income to average assets | 0.2178% | 5,355 |
| Noninterest expense to average assets | 1.6613% | 5,935 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1463% | 1,844 |
| Return on assets (ROA) | 1.1463% | 1,908 |
| Pretax return on assets | 1.1849% | 2,876 |
| Return on Equity (ROE) | 6.6646% | 3,800 |
| Retained earnings to average equity (ytd only) | 5.1375% | 2,812 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3691% | 5,077 |
| Assets per employee ($millions) | 6.0083% | 1,366 |
| Cash dividends to net income (ytd only)* | 22.9135% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5636% | 1,919 |
| Loan loss allowance to noncurrent loans | 616.4179% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 5,342 |
| Noncurrent loans to loans | 0.2537% | 4,666 |
| Net loans and leases to total assets | 39.3412% | 5,629 |
| Net loans and leases to deposits | 47.6759% | 5,586 |
| Net loans and leases to core deposits | 47.9396% | 5,656 |
| Total domestic deposits to total assets | 82.5180% | 3,982 |
| Equity capital to assets | 17.4260% | 391 |
| Core capital (leverage) ratio | 17.6044% | 322 |
| Tier 1 risk-based capital ratio | 33.4360% | 397 |
| Total risk-based capital ratio | 34.6596% | 395 |
| Memoranda: | ||
| Average total assets | $65,487,250 | 5,255 |
| Average earning assets | $62,528,250 | 5,180 |
| Average equity | $11,263,250 | 4,482 |
| Average total loans | $25,654,500 | 5,593 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0702% | 5,774 |
| Cost of funding earning assets | 0.3212% | 4,142 |
| Net interest margin | 2.7491% | 5,708 |
| Noninterest income to average assets | 0.2053% | 5,456 |
| Noninterest expense to average assets | 1.6420% | 6,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1488% | 1,787 |
| Return on assets (ROA) | 1.1488% | 1,852 |
| Pretax return on assets | 1.1856% | 2,834 |
| Return on Equity (ROE) | 6.7092% | 3,778 |
| Retained earnings to average equity (ytd only) | 4.3833% | 3,225 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0715% | 5,214 |
| Assets per employee ($millions) | 5.6757% | 1,592 |
| Cash dividends to net income (ytd only)* | 34.6667% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 1,732 |
| Loan loss allowance to noncurrent loans | 2,950.0000% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 5,801 |
| Noncurrent loans to loans | 0.0561% | 5,514 |
| Net loans and leases to total assets | 39.3189% | 5,668 |
| Net loans and leases to deposits | 48.0429% | 5,594 |
| Net loans and leases to core deposits | 48.0429% | 5,689 |
| Total domestic deposits to total assets | 81.8413% | 4,349 |
| Equity capital to assets | 18.1154% | 328 |
| Core capital (leverage) ratio | 17.0038% | 366 |
| Tier 1 risk-based capital ratio | 34.1523% | 388 |
| Total risk-based capital ratio | 35.4038% | 386 |
| Memoranda: | ||
| Average total assets | $65,286,000 | 5,319 |
| Average earning assets | $62,275,670 | 5,245 |
| Average equity | $11,178,670 | 4,528 |
| Average total loans | $25,401,330 | 5,653 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9956% | 5,899 |
| Cost of funding earning assets | 0.3406% | 3,977 |
| Net interest margin | 2.6550% | 5,856 |
| Noninterest income to average assets | 0.1799% | 5,639 |
| Noninterest expense to average assets | 1.4930% | 6,183 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2112% | 1,516 |
| Return on assets (ROA) | 1.2112% | 1,611 |
| Pretax return on assets | 1.2112% | 2,621 |
| Return on Equity (ROE) | 7.2708% | 3,351 |
| Retained earnings to average equity (ytd only) | 2.7355% | 4,314 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2106% | 5,580 |
| Assets per employee ($millions) | 6.0739% | 1,351 |
| Cash dividends to net income (ytd only)* | 62.3762% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6271% | 1,953 |
| Loan loss allowance to noncurrent loans | 277.1812% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 5,043 |
| Noncurrent loans to loans | 0.5870% | 3,820 |
| Net loans and leases to total assets | 37.3715% | 5,760 |
| Net loans and leases to deposits | 44.8986% | 5,712 |
| Net loans and leases to core deposits | 44.8986% | 5,800 |
| Total domestic deposits to total assets | 83.2353% | 4,105 |
| Equity capital to assets | 16.6988% | 471 |
| Core capital (leverage) ratio | 16.4836% | 416 |
| Tier 1 risk-based capital ratio | 31.0284% | 492 |
| Total risk-based capital ratio | 32.1847% | 494 |
| Memoranda: | ||
| Average total assets | $66,712,500 | 5,338 |
| Average earning assets | $63,426,500 | 5,266 |
| Average equity | $11,113,000 | 4,578 |
| Average total loans | $25,621,500 | 5,692 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0362% | 6,022 |
| Cost of funding earning assets | 0.3453% | 4,300 |
| Net interest margin | 2.6908% | 5,959 |
| Noninterest income to average assets | 0.1699% | 5,837 |
| Noninterest expense to average assets | 2.0443% | 5,685 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6582% | 4,100 |
| Return on assets (ROA) | 0.6582% | 4,201 |
| Pretax return on assets | 0.6779% | 4,703 |
| Return on Equity (ROE) | 3.9849% | 5,124 |
| Retained earnings to average equity (ytd only) | 3.2962% | 3,882 |
| Net charge-offs to loans | 0.0318% | 4,191 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 55.8750% | 845 |
| Efficiency ratio | 75.0975% | 2,652 |
| Assets per employee ($millions) | 6.0556% | 1,340 |
| Cash dividends to net income (ytd only)* | 17.2811% | 3,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 2,102 |
| Loan loss allowance to noncurrent loans | 8,260.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 6,049 |
| Noncurrent loans to loans | 0.0193% | 5,815 |
| Net loans and leases to total assets | 38.2033% | 5,837 |
| Net loans and leases to deposits | 45.8523% | 5,800 |
| Net loans and leases to core deposits | 45.8523% | 5,898 |
| Total domestic deposits to total assets | 83.3183% | 3,974 |
| Equity capital to assets | 16.6171% | 465 |
| Core capital (leverage) ratio | 16.3205% | 439 |
| Tier 1 risk-based capital ratio | 20.5197% | 1,503 |
| Total risk-based capital ratio | 21.3030% | 1,557 |
| Memoranda: | ||
| Average total assets | $65,938,000 | 5,394 |
| Average earning assets | $62,546,200 | 5,323 |
| Average equity | $10,891,200 | 4,587 |
| Average total loans | $25,180,200 | 5,774 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0440% | 6,089 |
| Cost of funding earning assets | 0.3508% | 4,335 |
| Net interest margin | 2.6932% | 6,012 |
| Noninterest income to average assets | 0.0932% | 6,273 |
| Noninterest expense to average assets | 1.7333% | 6,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8960% | 2,927 |
| Return on assets (ROA) | 0.8960% | 3,024 |
| Pretax return on assets | 0.9123% | 3,935 |
| Return on Equity (ROE) | 5.4331% | 4,514 |
| Retained earnings to average equity (ytd only) | 4.4990% | 3,452 |
| Net charge-offs to loans | -0.0160% | 5,551 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5172% | 4,294 |
| Assets per employee ($millions) | 5.8957% | 1,409 |
| Cash dividends to net income (ytd only)* | 17.1944% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6919% | 1,996 |
| Loan loss allowance to noncurrent loans | 1,514.2857% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 5,991 |
| Noncurrent loans to loans | 0.1117% | 5,594 |
| Net loans and leases to total assets | 37.9874% | 5,942 |
| Net loans and leases to deposits | 45.8498% | 5,871 |
| Net loans and leases to core deposits | 45.8498% | 5,961 |
| Total domestic deposits to total assets | 82.8520% | 4,192 |
| Equity capital to assets | 17.0663% | 419 |
| Core capital (leverage) ratio | 16.3458% | 436 |
| Tier 1 risk-based capital ratio | 21.0030% | 1,451 |
| Total risk-based capital ratio | 21.8256% | 1,499 |
| Memoranda: | ||
| Average total assets | $65,769,500 | 5,459 |
| Average earning assets | $62,328,500 | 5,393 |
| Average equity | $10,846,750 | 4,622 |
| Average total loans | $25,010,000 | 5,842 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0032% | 6,176 |
| Cost of funding earning assets | 0.3518% | 4,419 |
| Net interest margin | 2.6514% | 6,114 |
| Noninterest income to average assets | 0.0242% | 6,502 |
| Noninterest expense to average assets | 1.7737% | 6,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7476% | 3,579 |
| Return on assets (ROA) | 0.7476% | 3,683 |
| Pretax return on assets | 0.7597% | 4,419 |
| Return on Equity (ROE) | 4.5855% | 4,872 |
| Retained earnings to average equity (ytd only) | 3.1560% | 4,194 |
| Net charge-offs to loans | -0.0160% | 5,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0119% | 3,659 |
| Assets per employee ($millions) | 5.9699% | 1,297 |
| Cash dividends to net income (ytd only)* | 31.1741% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6802% | 2,184 |
| Loan loss allowance to noncurrent loans | 6,057.1429% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 6,216 |
| Noncurrent loans to loans | 0.0277% | 5,981 |
| Net loans and leases to total assets | 37.7819% | 5,973 |
| Net loans and leases to deposits | 45.3243% | 5,922 |
| Net loans and leases to core deposits | 45.3243% | 6,021 |
| Total domestic deposits to total assets | 83.3590% | 4,170 |
| Equity capital to assets | 16.5756% | 470 |
| Core capital (leverage) ratio | 16.2337% | 442 |
| Tier 1 risk-based capital ratio | 20.9764% | 1,452 |
| Total risk-based capital ratio | 21.8131% | 1,525 |
| Memoranda: | ||
| Average total assets | $66,075,000 | 5,504 |
| Average earning assets | $62,533,000 | 5,435 |
| Average equity | $10,773,000 | 4,657 |
| Average total loans | $24,993,330 | 5,885 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9807% | 6,259 |
| Cost of funding earning assets | 0.3518% | 4,521 |
| Net interest margin | 2.6289% | 6,195 |
| Noninterest income to average assets | 0.1811% | 5,881 |
| Noninterest expense to average assets | 1.7562% | 6,274 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9053% | 2,623 |
| Return on assets (ROA) | 0.9053% | 2,693 |
| Pretax return on assets | 0.9053% | 3,681 |
| Return on Equity (ROE) | 5.5986% | 4,234 |
| Retained earnings to average equity (ytd only) | 2.6500% | 4,488 |
| Net charge-offs to loans | -0.0322% | 5,600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9864% | 4,529 |
| Assets per employee ($millions) | 6.0356% | 1,280 |
| Cash dividends to net income (ytd only)* | 52.6667% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6818% | 2,411 |
| Loan loss allowance to noncurrent loans | 5,287.5000% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 4,525 |
| Noncurrent loans to loans | 0.0318% | 6,054 |
| Net loans and leases to total assets | 37.2455% | 5,999 |
| Net loans and leases to deposits | 44.4916% | 5,950 |
| Net loans and leases to core deposits | 44.4916% | 6,053 |
| Total domestic deposits to total assets | 83.7134% | 4,382 |
| Equity capital to assets | 16.2038% | 500 |
| Core capital (leverage) ratio | 16.1375% | 463 |
| Tier 1 risk-based capital ratio | 20.9098% | 1,486 |
| Total risk-based capital ratio | 21.7497% | 1,557 |
| Memoranda: | ||
| Average total assets | $66,278,000 | 5,559 |
| Average earning assets | $62,535,500 | 5,485 |
| Average equity | $10,717,000 | 4,683 |
| Average total loans | $24,872,500 | 5,940 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0012% | 6,349 |
| Cost of funding earning assets | 0.4739% | 3,877 |
| Net interest margin | 2.5273% | 6,349 |
| Noninterest income to average assets | 0.2851% | 5,317 |
| Noninterest expense to average assets | 2.0088% | 6,012 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6221% | 4,153 |
| Return on assets (ROA) | 0.6221% | 4,273 |
| Pretax return on assets | 0.6610% | 4,662 |
| Return on Equity (ROE) | 3.6335% | 5,267 |
| Retained earnings to average equity (ytd only) | 2.9143% | 4,170 |
| Net charge-offs to loans | 0.1293% | 3,519 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 13.6000% | 2,006 |
| Efficiency ratio | 75.2427% | 2,909 |
| Assets per employee ($millions) | 6.0149% | 1,262 |
| Cash dividends to net income (ytd only)* | 19.7917% | 3,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 2,352 |
| Loan loss allowance to noncurrent loans | 4,220.0000% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.5456% | 4,591 |
| Noncurrent loans to loans | 0.0407% | 6,123 |
| Net loans and leases to total assets | 36.5335% | 6,172 |
| Net loans and leases to deposits | 43.5932% | 6,141 |
| Net loans and leases to core deposits | 43.5932% | 6,243 |
| Total domestic deposits to total assets | 83.8054% | 4,243 |
| Equity capital to assets | 16.1357% | 508 |
| Core capital (leverage) ratio | 16.2954% | 441 |
| Tier 1 risk-based capital ratio | 21.2076% | 1,386 |
| Total risk-based capital ratio | 22.0632% | 1,443 |
| Memoranda: | ||
| Average total assets | $61,727,600 | 5,712 |
| Average earning assets | $58,243,200 | 5,649 |
| Average equity | $10,568,400 | 4,731 |
| Average total loans | $23,207,200 | 6,073 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0102% | 6,415 |
| Cost of funding earning assets | 0.4978% | 3,788 |
| Net interest margin | 2.5124% | 6,415 |
| Noninterest income to average assets | 0.2551% | 5,616 |
| Noninterest expense to average assets | 1.7354% | 6,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8556% | 3,072 |
| Return on assets (ROA) | 0.8556% | 3,183 |
| Pretax return on assets | 0.8952% | 3,906 |
| Return on Equity (ROE) | 4.9201% | 4,768 |
| Retained earnings to average equity (ytd only) | 3.9588% | 3,876 |
| Net charge-offs to loans | 0.1808% | 2,778 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 13.1297% | 2,063 |
| Efficiency ratio | 65.9699% | 4,488 |
| Assets per employee ($millions) | 5.5574% | 1,577 |
| Cash dividends to net income (ytd only)* | 19.5373% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8317% | 2,202 |
| Loan loss allowance to noncurrent loans | 7,016.6667% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 4,692 |
| Noncurrent loans to loans | 0.0261% | 6,277 |
| Net loans and leases to total assets | 36.9093% | 6,229 |
| Net loans and leases to deposits | 44.7830% | 6,169 |
| Net loans and leases to core deposits | 44.7830% | 6,260 |
| Total domestic deposits to total assets | 82.4181% | 4,789 |
| Equity capital to assets | 17.4985% | 365 |
| Core capital (leverage) ratio | 17.1952% | 372 |
| Tier 1 risk-based capital ratio | 22.4484% | 1,236 |
| Total risk-based capital ratio | 23.3515% | 1,284 |
| Memoranda: | ||
| Average total assets | $60,618,500 | 5,805 |
| Average earning assets | $57,314,750 | 5,734 |
| Average equity | $10,541,500 | 4,787 |
| Average total loans | $22,860,500 | 6,146 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9634% | 6,480 |
| Cost of funding earning assets | 0.5143% | 3,764 |
| Net interest margin | 2.4491% | 6,499 |
| Noninterest income to average assets | 0.2349% | 5,763 |
| Noninterest expense to average assets | 1.7238% | 6,477 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8073% | 3,251 |
| Return on assets (ROA) | 0.8073% | 3,404 |
| Pretax return on assets | 0.8272% | 4,206 |
| Return on Equity (ROE) | 4.6522% | 4,922 |
| Retained earnings to average equity (ytd only) | 3.2032% | 4,274 |
| Net charge-offs to loans | 0.2805% | 2,082 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 7.8125% | 2,499 |
| Efficiency ratio | 67.5746% | 4,249 |
| Assets per employee ($millions) | 5.4643% | 1,619 |
| Cash dividends to net income (ytd only)* | 31.1475% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8589% | 2,230 |
| Loan loss allowance to noncurrent loans | 8,400.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.5923% | 4,767 |
| Noncurrent loans to loans | 0.0221% | 6,351 |
| Net loans and leases to total assets | 36.8909% | 6,240 |
| Net loans and leases to deposits | 44.7571% | 6,182 |
| Net loans and leases to core deposits | 44.7571% | 6,295 |
| Total domestic deposits to total assets | 82.4247% | 4,903 |
| Equity capital to assets | 17.4955% | 366 |
| Core capital (leverage) ratio | 16.7969% | 392 |
| Tier 1 risk-based capital ratio | 21.9434% | 1,294 |
| Total risk-based capital ratio | 22.8365% | 1,340 |
| Memoranda: | ||
| Average total assets | $60,447,670 | 5,845 |
| Average earning assets | $57,163,330 | 5,772 |
| Average equity | $10,489,670 | 4,834 |
| Average total loans | $22,819,330 | 6,182 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0433% | 6,467 |
| Cost of funding earning assets | 0.5387% | 3,688 |
| Net interest margin | 2.5046% | 6,505 |
| Noninterest income to average assets | 0.2046% | 6,017 |
| Noninterest expense to average assets | 1.7223% | 6,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8446% | 2,929 |
| Return on assets (ROA) | 0.8446% | 3,071 |
| Pretax return on assets | 0.8446% | 3,979 |
| Return on Equity (ROE) | 4.8871% | 4,639 |
| Retained earnings to average equity (ytd only) | 1.9472% | 5,029 |
| Net charge-offs to loans | 0.0349% | 3,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 556 |
| Efficiency ratio | 67.0951% | 4,475 |
| Assets per employee ($millions) | 6.0790% | 1,202 |
| Cash dividends to net income (ytd only)* | 60.1563% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9625% | 2,141 |
| Loan loss allowance to noncurrent loans | 9,000.0000% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 6,604 |
| Noncurrent loans to loans | 0.0218% | 6,431 |
| Net loans and leases to total assets | 36.9798% | 6,226 |
| Net loans and leases to deposits | 44.7515% | 6,140 |
| Net loans and leases to core deposits | 44.7515% | 6,275 |
| Total domestic deposits to total assets | 82.6337% | 4,977 |
| Equity capital to assets | 17.2660% | 396 |
| Core capital (leverage) ratio | 16.7846% | 374 |
| Tier 1 risk-based capital ratio | 22.1246% | 1,309 |
| Total risk-based capital ratio | 23.1004% | 1,332 |
| Memoranda: | ||
| Average total assets | $60,618,000 | 5,894 |
| Average earning assets | $57,175,000 | 5,818 |
| Average equity | $10,476,500 | 4,891 |
| Average total loans | $22,932,000 | 6,225 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4282% | 6,451 |
| Cost of funding earning assets | 0.6716% | 3,725 |
| Net interest margin | 2.7565% | 6,435 |
| Noninterest income to average assets | 0.3133% | 5,210 |
| Noninterest expense to average assets | 2.0660% | 6,197 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7834% | 3,355 |
| Return on assets (ROA) | 0.7834% | 3,604 |
| Pretax return on assets | 0.8264% | 4,196 |
| Return on Equity (ROE) | 4.3782% | 4,982 |
| Retained earnings to average equity (ytd only) | 2.5115% | 4,459 |
| Net charge-offs to loans | -0.0132% | 6,507 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 3,530 |
| Assets per employee ($millions) | 6.0446% | 1,253 |
| Cash dividends to net income (ytd only)* | 42.6374% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9709% | 2,099 |
| Loan loss allowance to noncurrent loans | 507.8652% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 6,196 |
| Noncurrent loans to loans | 0.3881% | 5,520 |
| Net loans and leases to total assets | 37.1935% | 6,357 |
| Net loans and leases to deposits | 45.0243% | 6,304 |
| Net loans and leases to core deposits | 45.0243% | 6,418 |
| Total domestic deposits to total assets | 82.6076% | 4,882 |
| Equity capital to assets | 17.2997% | 386 |
| Core capital (leverage) ratio | 16.3024% | 415 |
| Tier 1 risk-based capital ratio | 21.9943% | 1,261 |
| Total risk-based capital ratio | 22.9734% | 1,294 |
| Memoranda: | ||
| Average total assets | $58,082,200 | 5,972 |
| Average earning assets | $54,344,000 | 5,920 |
| Average equity | $10,392,400 | 4,892 |
| Average total loans | $22,785,800 | 6,305 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4823% | 6,527 |
| Cost of funding earning assets | 0.6915% | 3,842 |
| Net interest margin | 2.7908% | 6,516 |
| Noninterest income to average assets | 0.2806% | 5,532 |
| Noninterest expense to average assets | 1.7208% | 6,770 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1271% | 1,999 |
| Return on assets (ROA) | 1.1271% | 2,195 |
| Pretax return on assets | 1.1712% | 3,094 |
| Return on Equity (ROE) | 6.2448% | 4,203 |
| Retained earnings to average equity (ytd only) | 3.7778% | 4,236 |
| Net charge-offs to loans | -0.0117% | 6,394 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5028% | 5,581 |
| Assets per employee ($millions) | 6.0242% | 1,234 |
| Cash dividends to net income (ytd only)* | 39.5058% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9433% | 2,350 |
| Loan loss allowance to noncurrent loans | 739.3443% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.1013% | 6,474 |
| Noncurrent loans to loans | 0.2628% | 5,966 |
| Net loans and leases to total assets | 37.7760% | 6,425 |
| Net loans and leases to deposits | 45.8293% | 6,399 |
| Net loans and leases to core deposits | 45.8293% | 6,520 |
| Total domestic deposits to total assets | 82.4275% | 4,862 |
| Equity capital to assets | 17.4529% | 405 |
| Core capital (leverage) ratio | 16.9747% | 371 |
| Tier 1 risk-based capital ratio | 22.3571% | 1,269 |
| Total risk-based capital ratio | 23.3471% | 1,295 |
| Memoranda: | ||
| Average total assets | $57,491,250 | 6,050 |
| Average earning assets | $53,795,000 | 6,001 |
| Average equity | $10,376,250 | 4,945 |
| Average total loans | $22,748,750 | 6,386 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5579% | 6,536 |
| Cost of funding earning assets | 0.6980% | 4,026 |
| Net interest margin | 2.8599% | 6,479 |
| Noninterest income to average assets | 0.2722% | 5,628 |
| Noninterest expense to average assets | 1.7570% | 6,793 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1489% | 1,884 |
| Return on assets (ROA) | 1.1489% | 2,096 |
| Pretax return on assets | 1.1949% | 2,946 |
| Return on Equity (ROE) | 6.2922% | 4,164 |
| Retained earnings to average equity (ytd only) | 2.5749% | 4,903 |
| Net charge-offs to loans | -0.0177% | 6,400 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5210% | 5,651 |
| Assets per employee ($millions) | 5.6448% | 1,485 |
| Cash dividends to net income (ytd only)* | 59.0769% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9465% | 2,384 |
| Loan loss allowance to noncurrent loans | 7,500.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 6,814 |
| Noncurrent loans to loans | 0.0260% | 6,629 |
| Net loans and leases to total assets | 40.1591% | 6,326 |
| Net loans and leases to deposits | 49.2013% | 6,226 |
| Net loans and leases to core deposits | 49.2013% | 6,387 |
| Total domestic deposits to total assets | 81.6220% | 5,257 |
| Equity capital to assets | 18.2646% | 322 |
| Core capital (leverage) ratio | 17.6276% | 312 |
| Tier 1 risk-based capital ratio | 23.9089% | 1,024 |
| Total risk-based capital ratio | 24.9821% | 1,032 |
| Memoranda: | ||
| Average total assets | $56,574,330 | 6,123 |
| Average earning assets | $53,009,330 | 6,064 |
| Average equity | $10,330,330 | 4,957 |
| Average total loans | $22,595,670 | 6,433 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5742% | 6,610 |
| Cost of funding earning assets | 0.7103% | 4,195 |
| Net interest margin | 2.8639% | 6,535 |
| Noninterest income to average assets | 0.2613% | 5,779 |
| Noninterest expense to average assets | 1.8504% | 6,736 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0452% | 2,306 |
| Return on assets (ROA) | 1.0452% | 2,496 |
| Pretax return on assets | 1.0876% | 3,374 |
| Return on Equity (ROE) | 5.7251% | 4,443 |
| Retained earnings to average equity (ytd only) | -1.7020% | 6,240 |
| Net charge-offs to loans | -0.0179% | 6,139 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9808% | 5,112 |
| Assets per employee ($millions) | 5.7213% | 1,504 |
| Cash dividends to net income (ytd only)* | 129.7297% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9865% | 2,397 |
| Loan loss allowance to noncurrent loans | 5,612.5000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 6,888 |
| Noncurrent loans to loans | 0.0354% | 6,674 |
| Net loans and leases to total assets | 38.7202% | 6,441 |
| Net loans and leases to deposits | 47.1180% | 6,350 |
| Net loans and leases to core deposits | 47.3699% | 6,490 |
| Total domestic deposits to total assets | 82.1771% | 5,233 |
| Equity capital to assets | 17.6953% | 362 |
| Core capital (leverage) ratio | 17.7267% | 310 |
| Tier 1 risk-based capital ratio | 23.8305% | 1,026 |
| Total risk-based capital ratio | 24.9171% | 1,032 |
| Memoranda: | ||
| Average total assets | $56,637,500 | 6,163 |
| Average earning assets | $52,935,000 | 6,101 |
| Average equity | $10,340,500 | 4,961 |
| Average total loans | $22,334,000 | 6,492 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9901% | 6,470 |
| Cost of funding earning assets | 0.8311% | 4,619 |
| Net interest margin | 3.1590% | 6,195 |
| Noninterest income to average assets | 0.3367% | 5,121 |
| Noninterest expense to average assets | 2.1477% | 6,388 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8427% | 2,865 |
| Return on assets (ROA) | 0.8427% | 3,016 |
| Pretax return on assets | 1.1430% | 2,684 |
| Return on Equity (ROE) | 4.1499% | 4,777 |
| Retained earnings to average equity (ytd only) | 3.3701% | 3,824 |
| Net charge-offs to loans | 0.0229% | 6,121 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 125.6000% | 259 |
| Efficiency ratio | 65.2655% | 4,910 |
| Assets per employee ($millions) | 5.6062% | 1,527 |
| Cash dividends to net income (ytd only)* | 18.7905% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0348% | 2,169 |
| Loan loss allowance to noncurrent loans | 4,988.8889% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 6,934 |
| Noncurrent loans to loans | 0.0408% | 6,725 |
| Net loans and leases to total assets | 38.5591% | 6,628 |
| Net loans and leases to deposits | 47.7365% | 6,516 |
| Net loans and leases to core deposits | 48.0015% | 6,644 |
| Total domestic deposits to total assets | 80.7749% | 5,518 |
| Equity capital to assets | 18.8309% | 289 |
| Core capital (leverage) ratio | 18.0086% | 298 |
| Tier 1 risk-based capital ratio | 25.4539% | 828 |
| Total risk-based capital ratio | 26.5644% | 816 |
| Memoranda: | ||
| Average total assets | $54,943,000 | 6,203 |
| Average earning assets | $51,376,800 | 6,149 |
| Average equity | $11,156,800 | 4,743 |
| Average total loans | $21,841,600 | 6,566 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0015% | 6,587 |
| Cost of funding earning assets | 0.8467% | 4,797 |
| Net interest margin | 3.1548% | 6,272 |
| Noninterest income to average assets | 0.3122% | 5,367 |
| Noninterest expense to average assets | 1.7391% | 7,057 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2244% | 1,590 |
| Return on assets (ROA) | 1.2244% | 1,697 |
| Pretax return on assets | 1.5269% | 1,588 |
| Return on Equity (ROE) | 5.9196% | 4,053 |
| Retained earnings to average equity (ytd only) | 4.8820% | 3,254 |
| Net charge-offs to loans | 0.0123% | 5,976 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 312.6030% | 120 |
| Efficiency ratio | 53.2487% | 6,568 |
| Assets per employee ($millions) | 6.2484% | 1,059 |
| Cash dividends to net income (ytd only)* | 17.5297% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9495% | 2,477 |
| Loan loss allowance to noncurrent loans | 789.4737% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 6,805 |
| Noncurrent loans to loans | 0.2469% | 6,380 |
| Net loans and leases to total assets | 40.2465% | 6,606 |
| Net loans and leases to deposits | 50.9190% | 6,450 |
| Net loans and leases to core deposits | 50.9190% | 6,627 |
| Total domestic deposits to total assets | 79.0401% | 5,974 |
| Equity capital to assets | 20.5367% | 224 |
| Core capital (leverage) ratio | 19.5758% | 234 |
| Tier 1 risk-based capital ratio | 27.5205% | 696 |
| Total risk-based capital ratio | 28.6203% | 691 |
| Memoranda: | ||
| Average total assets | $54,663,250 | 6,255 |
| Average earning assets | $51,179,750 | 6,196 |
| Average equity | $11,306,750 | 4,729 |
| Average total loans | $21,785,500 | 6,629 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9738% | 6,704 |
| Cost of funding earning assets | 0.8642% | 4,954 |
| Net interest margin | 3.1096% | 6,387 |
| Noninterest income to average assets | 0.2845% | 5,605 |
| Noninterest expense to average assets | 1.7474% | 7,137 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1452% | 1,738 |
| Return on assets (ROA) | 1.1452% | 1,812 |
| Pretax return on assets | 1.4481% | 1,668 |
| Return on Equity (ROE) | 5.5229% | 4,202 |
| Retained earnings to average equity (ytd only) | 3.9907% | 3,661 |
| Net charge-offs to loans | 0.0187% | 5,578 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 196.0000% | 189 |
| Efficiency ratio | 54.6821% | 6,547 |
| Assets per employee ($millions) | 6.1881% | 1,073 |
| Cash dividends to net income (ytd only)* | 27.7419% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9526% | 2,500 |
| Loan loss allowance to noncurrent loans | 3,000.0000% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 7,030 |
| Noncurrent loans to loans | 0.0651% | 6,818 |
| Net loans and leases to total assets | 40.5724% | 6,700 |
| Net loans and leases to deposits | 51.2451% | 6,518 |
| Net loans and leases to core deposits | 51.2451% | 6,705 |
| Total domestic deposits to total assets | 79.1733% | 6,040 |
| Equity capital to assets | 20.3957% | 242 |
| Core capital (leverage) ratio | 19.6810% | 243 |
| Tier 1 risk-based capital ratio | 27.2868% | 710 |
| Total risk-based capital ratio | 28.3961% | 705 |
| Memoranda: | ||
| Average total assets | $54,139,000 | 6,326 |
| Average earning assets | $50,681,330 | 6,269 |
| Average equity | $11,226,000 | 4,756 |
| Average total loans | $21,353,000 | 6,729 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 6,719 |
| Cost of funding earning assets | 0.8746% | 5,096 |
| Net interest margin | 3.1133% | 6,315 |
| Noninterest income to average assets | 0.2923% | 5,579 |
| Noninterest expense to average assets | 1.8140% | 7,119 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3868% | 1,082 |
| Return on assets (ROA) | 1.3868% | 1,132 |
| Pretax return on assets | 1.3868% | 1,759 |
| Return on Equity (ROE) | 6.6311% | 3,567 |
| Retained earnings to average equity (ytd only) | 3.5127% | 4,078 |
| Net charge-offs to loans | 0.0390% | 4,566 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 92.5000% | 337 |
| Efficiency ratio | 56.6745% | 6,424 |
| Assets per employee ($millions) | 5.9784% | 1,210 |
| Cash dividends to net income (ytd only)* | 47.0270% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1668% | 2,035 |
| Loan loss allowance to noncurrent loans | 1,288.5714% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 6,998 |
| Noncurrent loans to loans | 0.1682% | 6,631 |
| Net loans and leases to total assets | 37.8452% | 6,914 |
| Net loans and leases to deposits | 48.1088% | 6,749 |
| Net loans and leases to core deposits | 48.3946% | 6,861 |
| Total domestic deposits to total assets | 78.6659% | 6,262 |
| Equity capital to assets | 20.8620% | 213 |
| Core capital (leverage) ratio | 20.2273% | 219 |
| Tier 1 risk-based capital ratio | 26.7671% | 724 |
| Total risk-based capital ratio | 27.8702% | 722 |
| Memoranda: | ||
| Average total assets | $53,362,000 | 6,399 |
| Average earning assets | $49,851,000 | 6,346 |
| Average equity | $11,159,500 | 4,753 |
| Average total loans | $20,506,500 | 6,809 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3775% | 6,655 |
| Cost of funding earning assets | 1.0519% | 5,424 |
| Net interest margin | 3.3256% | 5,890 |
| Noninterest income to average assets | 0.3244% | 5,465 |
| Noninterest expense to average assets | 2.3072% | 6,340 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8454% | 2,609 |
| Return on assets (ROA) | 0.8454% | 2,745 |
| Pretax return on assets | 1.1183% | 2,510 |
| Return on Equity (ROE) | 4.0215% | 4,512 |
| Retained earnings to average equity (ytd only) | 3.2226% | 3,610 |
| Net charge-offs to loans | -0.7093% | 7,596 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3538% | 4,694 |
| Assets per employee ($millions) | 5.8798% | 1,298 |
| Cash dividends to net income (ytd only)* | 19.8646% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2377% | 1,799 |
| Loan loss allowance to noncurrent loans | 2,511.1111% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 7,152 |
| Noncurrent loans to loans | 0.0891% | 6,911 |
| Net loans and leases to total assets | 37.3162% | 7,100 |
| Net loans and leases to deposits | 47.5889% | 6,966 |
| Net loans and leases to core deposits | 48.7640% | 7,034 |
| Total domestic deposits to total assets | 78.4138% | 6,233 |
| Equity capital to assets | 20.9645% | 209 |
| Core capital (leverage) ratio | 19.9511% | 239 |
| Tier 1 risk-based capital ratio | 28.7326% | 557 |
| Total risk-based capital ratio | 29.9301% | 552 |
| Memoranda: | ||
| Average total assets | $52,401,000 | 6,450 |
| Average earning assets | $48,863,000 | 6,409 |
| Average equity | $11,015,800 | 4,860 |
| Average total loans | $21,148,400 | 6,863 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4294% | 6,767 |
| Cost of funding earning assets | 1.0930% | 5,461 |
| Net interest margin | 3.3364% | 5,898 |
| Noninterest income to average assets | 0.2933% | 5,784 |
| Noninterest expense to average assets | 1.8263% | 7,304 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3748% | 1,155 |
| Return on assets (ROA) | 1.3748% | 1,238 |
| Pretax return on assets | 1.5814% | 1,391 |
| Return on Equity (ROE) | 6.5354% | 3,556 |
| Retained earnings to average equity (ytd only) | 5.4926% | 2,651 |
| Net charge-offs to loans | -0.9289% | 7,701 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5928% | 6,822 |
| Assets per employee ($millions) | 5.8516% | 1,345 |
| Cash dividends to net income (ytd only)* | 15.9549% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0459% | 2,111 |
| Loan loss allowance to noncurrent loans | 696.9231% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 7,051 |
| Noncurrent loans to loans | 0.2936% | 6,599 |
| Net loans and leases to total assets | 41.1837% | 7,014 |
| Net loans and leases to deposits | 52.7508% | 6,848 |
| Net loans and leases to core deposits | 54.0657% | 6,953 |
| Total domestic deposits to total assets | 78.0723% | 6,241 |
| Equity capital to assets | 21.3542% | 212 |
| Core capital (leverage) ratio | 20.8298% | 216 |
| Tier 1 risk-based capital ratio | 28.8973% | 571 |
| Total risk-based capital ratio | 30.0935% | 564 |
| Memoranda: | ||
| Average total assets | $52,271,750 | 6,524 |
| Average earning assets | $48,794,500 | 6,480 |
| Average equity | $10,996,250 | 4,926 |
| Average total loans | $21,385,750 | 6,944 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4125% | 6,876 |
| Cost of funding earning assets | 1.1227% | 5,561 |
| Net interest margin | 3.2898% | 6,049 |
| Noninterest income to average assets | 0.2647% | 6,024 |
| Noninterest expense to average assets | 1.7990% | 7,387 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3272% | 1,242 |
| Return on assets (ROA) | 1.3272% | 1,319 |
| Pretax return on assets | 1.5343% | 1,466 |
| Return on Equity (ROE) | 6.3411% | 3,627 |
| Retained earnings to average equity (ytd only) | 4.7466% | 3,047 |
| Net charge-offs to loans | -1.4101% | 7,769 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9701% | 6,884 |
| Assets per employee ($millions) | 4.2604% | 3,283 |
| Cash dividends to net income (ytd only)* | 25.1445% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0489% | 2,070 |
| Loan loss allowance to noncurrent loans | 9,040.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 7,391 |
| Noncurrent loans to loans | 0.0227% | 7,267 |
| Net loans and leases to total assets | 42.2670% | 7,030 |
| Net loans and leases to deposits | 54.3650% | 6,841 |
| Net loans and leases to core deposits | 55.7680% | 6,954 |
| Total domestic deposits to total assets | 77.7467% | 6,324 |
| Equity capital to assets | 21.6469% | 216 |
| Core capital (leverage) ratio | 20.6326% | 215 |
| Tier 1 risk-based capital ratio | 28.4791% | 595 |
| Total risk-based capital ratio | 29.6765% | 586 |
| Memoranda: | ||
| Average total assets | $52,141,000 | 6,580 |
| Average earning assets | $48,634,670 | 6,520 |
| Average equity | $10,913,000 | 4,941 |
| Average total loans | $21,133,670 | 7,008 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3057% | 7,124 |
| Cost of funding earning assets | 1.1395% | 5,706 |
| Net interest margin | 3.1662% | 6,396 |
| Noninterest income to average assets | 0.2279% | 6,325 |
| Noninterest expense to average assets | 1.9829% | 7,189 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2004% | 1,541 |
| Return on assets (ROA) | 1.2004% | 1,616 |
| Pretax return on assets | 1.2004% | 2,357 |
| Return on Equity (ROE) | 5.8324% | 3,949 |
| Retained earnings to average equity (ytd only) | 2.6209% | 4,571 |
| Net charge-offs to loans | -2.6899% | 7,871 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2912% | 5,776 |
| Assets per employee ($millions) | 4.2823% | 3,317 |
| Cash dividends to net income (ytd only)* | 55.0633% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0745% | 2,004 |
| Loan loss allowance to noncurrent loans | 605.4795% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 7,128 |
| Noncurrent loans to loans | 0.3426% | 6,618 |
| Net loans and leases to total assets | 40.6009% | 7,211 |
| Net loans and leases to deposits | 51.9005% | 7,050 |
| Net loans and leases to core deposits | 51.9005% | 7,209 |
| Total domestic deposits to total assets | 78.2284% | 6,261 |
| Equity capital to assets | 21.1509% | 238 |
| Core capital (leverage) ratio | 20.0905% | 246 |
| Tier 1 risk-based capital ratio | 28.3232% | 615 |
| Total risk-based capital ratio | 29.5085% | 610 |
| Memoranda: | ||
| Average total assets | $52,649,000 | 6,645 |
| Average earning assets | $49,144,000 | 6,582 |
| Average equity | $10,836,000 | 5,017 |
| Average total loans | $20,670,000 | 7,114 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6326% | 7,232 |
| Cost of funding earning assets | 1.3889% | 5,978 |
| Net interest margin | 3.2436% | 5,949 |
| Noninterest income to average assets | 0.4288% | 4,979 |
| Noninterest expense to average assets | 2.1826% | 7,029 |
| Loan and lease loss provision to assets | 0.4288% | 4,257 |
| Net operating income to assets | 0.6192% | 3,257 |
| Return on assets (ROA) | 0.6192% | 3,326 |
| Pretax return on assets | 0.8307% | 3,148 |
| Return on Equity (ROE) | 2.9847% | 4,509 |
| Retained earnings to average equity (ytd only) | 2.1505% | 3,600 |
| Net charge-offs to loans | 1.0370% | 2,338 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 2.9372% | 3,617 |
| Efficiency ratio | 63.4078% | 5,890 |
| Assets per employee ($millions) | 4.4925% | 2,940 |
| Cash dividends to net income (ytd only)* | 27.9503% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 3,654 |
| Loan loss allowance to noncurrent loans | 139.6313% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.4025% | 6,448 |
| Noncurrent loans to loans | 1.0832% | 5,156 |
| Net loans and leases to total assets | 36.5999% | 7,497 |
| Net loans and leases to deposits | 46.2063% | 7,432 |
| Net loans and leases to core deposits | 50.0279% | 7,588 |
| Total domestic deposits to total assets | 79.2098% | 5,930 |
| Equity capital to assets | 20.0390% | 292 |
| Core capital (leverage) ratio | 19.3843% | 312 |
| Tier 1 risk-based capital ratio | 27.6961% | 661 |
| Total risk-based capital ratio | 28.4960% | 675 |
| Memoranda: | ||
| Average total assets | $52,002,000 | 6,638 |
| Average earning assets | $48,310,200 | 6,587 |
| Average equity | $10,788,400 | 5,082 |
| Average total loans | $21,504,400 | 7,115 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7060% | 7,274 |
| Cost of funding earning assets | 1.4377% | 6,091 |
| Net interest margin | 3.2683% | 5,758 |
| Noninterest income to average assets | 0.4011% | 5,276 |
| Noninterest expense to average assets | 1.8321% | 7,630 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4879% | 837 |
| Return on assets (ROA) | 1.4879% | 891 |
| Pretax return on assets | 1.6044% | 1,167 |
| Return on Equity (ROE) | 7.1086% | 3,024 |
| Retained earnings to average equity (ytd only) | 5.9836% | 1,956 |
| Net charge-offs to loans | -0.0061% | 7,643 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3133% | 7,309 |
| Assets per employee ($millions) | 4.4714% | 2,900 |
| Cash dividends to net income (ytd only)* | 15.8260% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 3,745 |
| Loan loss allowance to noncurrent loans | 79.2208% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.7175% | 5,692 |
| Noncurrent loans to loans | 1.8168% | 3,891 |
| Net loans and leases to total assets | 38.9250% | 7,510 |
| Net loans and leases to deposits | 49.4472% | 7,434 |
| Net loans and leases to core deposits | 53.4511% | 7,608 |
| Total domestic deposits to total assets | 78.7204% | 5,888 |
| Equity capital to assets | 20.6161% | 298 |
| Core capital (leverage) ratio | 20.9004% | 266 |
| Tier 1 risk-based capital ratio | 27.0087% | 750 |
| Total risk-based capital ratio | 27.7755% | 763 |
| Memoranda: | ||
| Average total assets | $51,525,000 | 6,705 |
| Average earning assets | $47,852,750 | 6,656 |
| Average equity | $10,784,750 | 5,118 |
| Average total loans | $21,872,000 | 7,152 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8127% | 7,205 |
| Cost of funding earning assets | 1.5010% | 6,136 |
| Net interest margin | 3.3116% | 5,514 |
| Noninterest income to average assets | 0.4448% | 4,891 |
| Noninterest expense to average assets | 1.9050% | 7,618 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4956% | 845 |
| Return on assets (ROA) | 1.4956% | 904 |
| Pretax return on assets | 1.6137% | 1,176 |
| Return on Equity (ROE) | 7.1079% | 3,163 |
| Retained earnings to average equity (ytd only) | 5.4057% | 2,291 |
| Net charge-offs to loans | -0.0181% | 7,679 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1387% | 7,315 |
| Assets per employee ($millions) | 4.1793% | 3,332 |
| Cash dividends to net income (ytd only)* | 23.9474% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 3,657 |
| Loan loss allowance to noncurrent loans | 78.4062% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.7757% | 5,456 |
| Noncurrent loans to loans | 1.8033% | 3,798 |
| Net loans and leases to total assets | 42.4059% | 7,422 |
| Net loans and leases to deposits | 54.5699% | 7,242 |
| Net loans and leases to core deposits | 59.5547% | 7,466 |
| Total domestic deposits to total assets | 77.7093% | 6,151 |
| Equity capital to assets | 21.6247% | 296 |
| Core capital (leverage) ratio | 21.1850% | 309 |
| Tier 1 risk-based capital ratio | 26.3951% | 825 |
| Total risk-based capital ratio | 27.1583% | 843 |
| Memoranda: | ||
| Average total assets | $50,814,330 | 6,791 |
| Average earning assets | $47,167,330 | 6,744 |
| Average equity | $10,692,330 | 5,163 |
| Average total loans | $22,099,000 | 7,207 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8632% | 7,255 |
| Cost of funding earning assets | 1.5875% | 6,081 |
| Net interest margin | 3.2757% | 5,594 |
| Noninterest income to average assets | 0.5475% | 3,949 |
| Noninterest expense to average assets | 1.8613% | 7,622 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7362% | 599 |
| Return on assets (ROA) | 1.7362% | 654 |
| Pretax return on assets | 1.7362% | 1,107 |
| Return on Equity (ROE) | 8.3647% | 2,983 |
| Retained earnings to average equity (ytd only) | 4.9359% | 3,168 |
| Net charge-offs to loans | -0.0179% | 7,413 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7391% | 7,444 |
| Assets per employee ($millions) | 4.1782% | 3,297 |
| Cash dividends to net income (ytd only)* | 40.9910% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 3,734 |
| Loan loss allowance to noncurrent loans | 81.2834% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 5,292 |
| Noncurrent loans to loans | 1.6729% | 3,754 |
| Net loans and leases to total assets | 43.9846% | 7,339 |
| Net loans and leases to deposits | 56.4203% | 7,141 |
| Net loans and leases to core deposits | 63.4090% | 7,335 |
| Total domestic deposits to total assets | 77.9588% | 6,028 |
| Equity capital to assets | 21.3192% | 343 |
| Core capital (leverage) ratio | 20.6298% | 370 |
| Tier 1 risk-based capital ratio | 26.3665% | 858 |
| Total risk-based capital ratio | 27.1380% | 881 |
| Memoranda: | ||
| Average total assets | $51,146,000 | 6,813 |
| Average earning assets | $47,623,000 | 6,763 |
| Average equity | $10,616,000 | 5,208 |
| Average total loans | $22,362,500 | 7,229 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3966% | 7,464 |
| Cost of funding earning assets | 2.2713% | 5,283 |
| Net interest margin | 3.1252% | 6,576 |
| Noninterest income to average assets | 0.4848% | 4,752 |
| Noninterest expense to average assets | 2.0853% | 7,266 |
| Loan and lease loss provision to assets | 0.2845% | 4,106 |
| Net operating income to assets | 0.8614% | 3,167 |
| Return on assets (ROA) | 0.8614% | 3,016 |
| Pretax return on assets | 1.0256% | 3,283 |
| Return on Equity (ROE) | 4.1416% | 4,763 |
| Retained earnings to average equity (ytd only) | 3.2748% | 3,116 |
| Net charge-offs to loans | 0.6075% | 2,017 |
| Credit loss provision to net charge-offs | 102.1583% | 5,210 |
| Earnings coverage of net charge-offs (x) | 4.7050% | 3,893 |
| Efficiency ratio | 61.4159% | 6,074 |
| Assets per employee ($millions) | 4.3462% | 2,888 |
| Cash dividends to net income (ytd only)* | 20.9302% | 4,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 3,452 |
| Loan loss allowance to noncurrent loans | 81.4516% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 0.7133% | 5,084 |
| Noncurrent loans to loans | 1.6631% | 3,277 |
| Net loans and leases to total assets | 42.3074% | 7,571 |
| Net loans and leases to deposits | 53.5545% | 7,464 |
| Net loans and leases to core deposits | 60.3001% | 7,573 |
| Total domestic deposits to total assets | 78.9987% | 5,379 |
| Equity capital to assets | 20.2151% | 454 |
| Core capital (leverage) ratio | 19.8016% | 451 |
| Tier 1 risk-based capital ratio | 27.3165% | 810 |
| Total risk-based capital ratio | 28.1233% | 819 |
| Memoranda: | ||
| Average total assets | $49,920,600 | 6,779 |
| Average earning assets | $46,492,400 | 6,745 |
| Average equity | $10,382,400 | 5,295 |
| Average total loans | $22,882,000 | 7,144 |