Home > Northern Sky Bank > Performance and Condition Ratios
Northern Sky Bank, Performance and Condition Ratios
| 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 | 4.2909% | 1,893 |
| Cost of funding earning assets | 0.5894% | 2,391 |
| Net interest margin | 3.7015% | 1,793 |
| Noninterest income to average assets | 0.2666% | 3,885 |
| Noninterest expense to average assets | 1.6330% | 4,679 |
| Loan and lease loss provision to assets | 0.1801% | 2,141 |
| Net operating income to assets | 1.6054% | 630 |
| Return on assets (ROA) | 1.6054% | 688 |
| Pretax return on assets | 1.6054% | 1,067 |
| Return on Equity (ROE) | 10.8350% | 1,688 |
| Retained earnings to average equity (ytd only) | 5.9726% | 1,806 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7696% | 4,643 |
| Assets per employee ($millions) | 9.0566% | 726 |
| Cash dividends to net income (ytd only)* | 44.8766% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 3,684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 48.3172% | 3,952 |
| Net loans and leases to deposits | 56.5808% | 3,963 |
| Net loans and leases to core deposits | 59.1970% | 3,990 |
| Total domestic deposits to total assets | 85.3952% | 2,614 |
| Equity capital to assets | 14.1753% | 754 |
| Core capital (leverage) ratio | 10.0797% | 2,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1042% | 762 |
| Memoranda: | ||
| Average total assets | $83,281,600 | 4,204 |
| Average earning assets | $70,917,000 | 4,284 |
| Average equity | $12,339,600 | 3,939 |
| Average total loans | $46,350,400 | 4,177 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4987% | 1,576 |
| Cost of funding earning assets | 0.6122% | 2,532 |
| Net interest margin | 3.8865% | 1,382 |
| Noninterest income to average assets | 0.2701% | 3,850 |
| Noninterest expense to average assets | 1.6007% | 4,728 |
| Loan and lease loss provision to assets | 0.2455% | 1,652 |
| Net operating income to assets | 1.7071% | 566 |
| Return on assets (ROA) | 1.7071% | 632 |
| Pretax return on assets | 1.7071% | 961 |
| Return on Equity (ROE) | 11.3846% | 1,566 |
| Retained earnings to average equity (ytd only) | 4.8355% | 2,638 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0484% | 4,755 |
| Assets per employee ($millions) | 7.4902% | 1,217 |
| Cash dividends to net income (ytd only)* | 57.5264% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 3,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 57.6100% | 3,456 |
| Net loans and leases to deposits | 68.0438% | 3,459 |
| Net loans and leases to core deposits | 71.7996% | 3,489 |
| Total domestic deposits to total assets | 84.6660% | 2,567 |
| Equity capital to assets | 15.2017% | 588 |
| Core capital (leverage) ratio | 10.3078% | 2,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4164% | 986 |
| Memoranda: | ||
| Average total assets | $81,460,500 | 4,239 |
| Average earning assets | $68,818,000 | 4,322 |
| Average equity | $12,215,000 | 3,957 |
| Average total loans | $46,882,000 | 4,189 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6165% | 1,611 |
| Cost of funding earning assets | 0.6046% | 2,937 |
| Net interest margin | 4.0119% | 1,289 |
| Noninterest income to average assets | 0.2834% | 3,767 |
| Noninterest expense to average assets | 1.6291% | 4,753 |
| Loan and lease loss provision to assets | 0.3697% | 1,130 |
| Net operating income to assets | 1.6537% | 675 |
| Return on assets (ROA) | 1.6537% | 735 |
| Pretax return on assets | 1.6537% | 1,098 |
| Return on Equity (ROE) | 11.0802% | 1,605 |
| Retained earnings to average equity (ytd only) | 1.1724% | 4,048 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6019% | 4,788 |
| Assets per employee ($millions) | 7.5270% | 1,164 |
| Cash dividends to net income (ytd only)* | 89.4188% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9375% | 3,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 59.3427% | 3,393 |
| Net loans and leases to deposits | 71.2893% | 3,321 |
| Net loans and leases to core deposits | 75.2642% | 3,349 |
| Total domestic deposits to total assets | 83.2421% | 3,017 |
| Equity capital to assets | 14.7397% | 677 |
| Core capital (leverage) ratio | 9.7638% | 3,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2790% | 1,183 |
| Memoranda: | ||
| Average total assets | $81,150,000 | 4,240 |
| Average earning assets | $68,147,000 | 4,343 |
| Average equity | $12,111,667 | 3,971 |
| Average total loans | $46,532,333 | 4,200 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8273% | 1,353 |
| Cost of funding earning assets | 0.6444% | 3,195 |
| Net interest margin | 4.1828% | 956 |
| Noninterest income to average assets | 0.2340% | 4,148 |
| Noninterest expense to average assets | 1.5736% | 4,874 |
| Loan and lease loss provision to assets | 0.5727% | 490 |
| Net operating income to assets | 1.5088% | 764 |
| Return on assets (ROA) | 1.5088% | 837 |
| Pretax return on assets | 1.5138% | 1,269 |
| Return on Equity (ROE) | 10.0452% | 1,736 |
| Retained earnings to average equity (ytd only) | 5.0723% | 2,243 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9932% | 4,912 |
| Assets per employee ($millions) | 7.8772% | 776 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 3,983 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 57.7781% | 3,687 |
| Net loans and leases to deposits | 68.4396% | 3,701 |
| Net loans and leases to core deposits | 71.2008% | 3,805 |
| Total domestic deposits to total assets | 84.4221% | 2,628 |
| Equity capital to assets | 15.4458% | 688 |
| Core capital (leverage) ratio | 10.4090% | 3,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5174% | 1,230 |
| Memoranda: | ||
| Average total assets | $80,326,500 | 4,263 |
| Average earning assets | $65,793,000 | 4,388 |
| Average equity | $12,065,500 | 3,990 |
| Average total loans | $44,999,000 | 4,249 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5126% | 5,120 |
| Cost of funding earning assets | 0.3266% | 4,665 |
| Net interest margin | 2.1860% | 5,058 |
| Noninterest income to average assets | 0.1276% | 4,828 |
| Noninterest expense to average assets | 0.8867% | 5,132 |
| Loan and lease loss provision to assets | 0.4060% | 354 |
| Net operating income to assets | 0.8261% | 3,469 |
| Return on assets (ROA) | 0.8261% | 3,562 |
| Pretax return on assets | 0.8274% | 3,919 |
| Return on Equity (ROE) | 6.7174% | 3,654 |
| Retained earnings to average equity (ytd only) | 6.7174% | 1,518 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8237% | 5,030 |
| Assets per employee ($millions) | 7.4437% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7150% | 4,549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 53.4190% | 4,120 |
| Net loans and leases to deposits | 62.6432% | 4,163 |
| Net loans and leases to core deposits | 65.5222% | 4,212 |
| Total domestic deposits to total assets | 85.2750% | 2,389 |
| Equity capital to assets | 14.6114% | 897 |
| Core capital (leverage) ratio | 10.1905% | 3,312 |
| Tier 1 risk-based capital ratio | 17.5867% | 1,867 |
| Total risk-based capital ratio | 18.3263% | 1,967 |
| Memoranda: | ||
| Average total assets | $77,593,800 | 4,328 |
| Average earning assets | $70,723,200 | 4,333 |
| Average equity | $9,542,400 | 4,302 |
| Average total loans | $42,981,800 | 4,335 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5007% | 5,238 |
| Cost of funding earning assets | 0.1850% | 5,065 |
| Net interest margin | 1.3157% | 5,230 |
| Noninterest income to average assets | 0.0889% | 5,021 |
| Noninterest expense to average assets | 0.5802% | 5,239 |
| Loan and lease loss provision to assets | 0.0261% | 3,373 |
| Net operating income to assets | 0.6952% | 4,029 |
| Return on assets (ROA) | 0.6952% | 4,087 |
| Pretax return on assets | 0.6969% | 4,347 |
| Return on Equity (ROE) | 5.9527% | 4,060 |
| Retained earnings to average equity (ytd only) | 5.9527% | 2,394 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5187% | 4,990 |
| Assets per employee ($millions) | 7.0097% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0326% | 5,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 59.7183% | 3,702 |
| Net loans and leases to deposits | 71.0799% | 3,679 |
| Net loans and leases to core deposits | 75.3313% | 3,737 |
| Total domestic deposits to total assets | 84.0157% | 2,818 |
| Equity capital to assets | 15.2100% | 794 |
| Core capital (leverage) ratio | 10.5671% | 3,042 |
| Tier 1 risk-based capital ratio | 17.4987% | 1,943 |
| Total risk-based capital ratio | 17.5324% | 2,269 |
| Memoranda: | ||
| Average total assets | $76,522,000 | 4,393 |
| Average earning assets | $70,632,250 | 4,391 |
| Average equity | $8,937,000 | 4,431 |
| Average total loans | $42,713,500 | 4,399 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2612% | 5,301 |
| Cost of funding earning assets | 0.0309% | 5,277 |
| Net interest margin | 0.2303% | 5,299 |
| Noninterest income to average assets | 0.0105% | 5,233 |
| Noninterest expense to average assets | 0.0236% | 5,301 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1991% | 5,000 |
| Return on assets (ROA) | 0.1991% | 5,007 |
| Pretax return on assets | 0.2018% | 5,022 |
| Return on Equity (ROE) | 1.8984% | 4,953 |
| Retained earnings to average equity (ytd only) | 1.8984% | 4,147 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.4651% | 5,293 |
| Assets per employee ($millions) | 7.2123% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 53.2300% | 4,275 |
| Net loans and leases to deposits | 62.2889% | 4,318 |
| Net loans and leases to core deposits | 65.8116% | 4,326 |
| Total domestic deposits to total assets | 85.4566% | 2,280 |
| Equity capital to assets | 14.4010% | 985 |
| Core capital (leverage) ratio | 10.6443% | 2,945 |
| Tier 1 risk-based capital ratio | 18.8659% | 1,583 |
| Total risk-based capital ratio | 18.8659% | 1,857 |
| Memoranda: | ||
| Average total assets | $76,327,000 | 4,431 |
| Average earning assets | $71,207,670 | 4,419 |
| Average equity | $8,006,670 | 4,581 |
| Average total loans | $41,597,330 | 4,458 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4881% | 5,053 |
| Cost of funding earning assets | 0.3813% | 4,569 |
| Net interest margin | 3.1068% | 4,587 |
| Noninterest income to average assets | 0.2673% | 4,087 |
| Noninterest expense to average assets | 2.1117% | 4,444 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1120% | 2,425 |
| Return on assets (ROA) | 1.1120% | 2,472 |
| Pretax return on assets | 1.1173% | 3,100 |
| Return on Equity (ROE) | 13.2116% | 1,153 |
| Retained earnings to average equity (ytd only) | -12.8305% | 5,169 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3974% | 3,025 |
| Assets per employee ($millions) | 6.3303% | 1,331 |
| Cash dividends to net income (ytd only)* | 197.1154% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 4,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 53.5432% | 4,234 |
| Net loans and leases to deposits | 58.4114% | 4,482 |
| Net loans and leases to core deposits | 61.5055% | 4,510 |
| Total domestic deposits to total assets | 91.6657% | 82 |
| Equity capital to assets | 8.2158% | 5,122 |
| Core capital (leverage) ratio | 8.7275% | 4,843 |
| Tier 1 risk-based capital ratio | 16.7081% | 2,197 |
| Total risk-based capital ratio | 17.7238% | 2,222 |
| Memoranda: | ||
| Average total assets | $74,823,000 | 4,504 |
| Average earning assets | $71,327,500 | 4,459 |
| Average equity | $6,297,500 | 4,848 |
| Average total loans | $41,281,000 | 4,504 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3736% | 5,030 |
| Cost of funding earning assets | 0.2573% | 4,771 |
| Net interest margin | 3.1163% | 4,623 |
| Noninterest income to average assets | 0.2698% | 4,300 |
| Noninterest expense to average assets | 1.9700% | 4,793 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2977% | 1,810 |
| Return on assets (ROA) | 1.2977% | 1,800 |
| Pretax return on assets | 1.2991% | 2,504 |
| Return on Equity (ROE) | 15.5103% | 720 |
| Retained earnings to average equity (ytd only) | 7.1103% | 1,622 |
| Net charge-offs to loans | 0.0026% | 3,647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 939.0000% | 114 |
| Efficiency ratio | 60.2624% | 3,813 |
| Assets per employee ($millions) | 5.6679% | 1,803 |
| Cash dividends to net income (ytd only)* | 54.1578% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 4,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 55.8080% | 4,149 |
| Net loans and leases to deposits | 61.1401% | 4,422 |
| Net loans and leases to core deposits | 63.6006% | 4,461 |
| Total domestic deposits to total assets | 91.2789% | 152 |
| Equity capital to assets | 8.6234% | 4,858 |
| Core capital (leverage) ratio | 9.0450% | 4,609 |
| Tier 1 risk-based capital ratio | 16.8563% | 2,115 |
| Total risk-based capital ratio | 17.8492% | 2,155 |
| Memoranda: | ||
| Average total assets | $72,282,600 | 4,545 |
| Average earning assets | $69,570,200 | 4,502 |
| Average equity | $6,047,600 | 4,887 |
| Average total loans | $39,155,200 | 4,580 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3058% | 5,122 |
| Cost of funding earning assets | 0.2330% | 4,870 |
| Net interest margin | 3.0728% | 4,748 |
| Noninterest income to average assets | 0.2706% | 4,342 |
| Noninterest expense to average assets | 1.8980% | 4,906 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3290% | 1,746 |
| Return on assets (ROA) | 1.3290% | 1,756 |
| Pretax return on assets | 1.3308% | 2,501 |
| Return on Equity (ROE) | 16.0104% | 696 |
| Retained earnings to average equity (ytd only) | 5.7610% | 2,783 |
| Net charge-offs to loans | 0.0034% | 3,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 719.7820% | 121 |
| Efficiency ratio | 58.7830% | 3,992 |
| Assets per employee ($millions) | 5.8864% | 1,584 |
| Cash dividends to net income (ytd only)* | 64.0160% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9349% | 4,115 |
| Loan loss allowance to noncurrent loans | 1,129.4118% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 4,732 |
| Noncurrent loans to loans | 0.0828% | 4,505 |
| Net loans and leases to total assets | 57.6044% | 4,079 |
| Net loans and leases to deposits | 63.7045% | 4,348 |
| Net loans and leases to core deposits | 66.4077% | 4,391 |
| Total domestic deposits to total assets | 90.4243% | 371 |
| Equity capital to assets | 8.6329% | 4,844 |
| Core capital (leverage) ratio | 8.9734% | 4,728 |
| Tier 1 risk-based capital ratio | 16.4281% | 2,295 |
| Total risk-based capital ratio | 17.4221% | 2,328 |
| Memoranda: | ||
| Average total assets | $71,932,500 | 4,603 |
| Average earning assets | $69,250,500 | 4,553 |
| Average equity | $5,971,000 | 4,953 |
| Average total loans | $38,567,750 | 4,644 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2248% | 5,203 |
| Cost of funding earning assets | 0.2129% | 4,958 |
| Net interest margin | 3.0119% | 4,861 |
| Noninterest income to average assets | 0.2764% | 4,338 |
| Noninterest expense to average assets | 1.8186% | 5,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3487% | 1,602 |
| Return on assets (ROA) | 1.3487% | 1,610 |
| Pretax return on assets | 1.3515% | 2,320 |
| Return on Equity (ROE) | 16.4624% | 586 |
| Retained earnings to average equity (ytd only) | 3.6096% | 3,791 |
| Net charge-offs to loans | 0.0053% | 2,973 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 489.0000% | 179 |
| Efficiency ratio | 57.3670% | 4,317 |
| Assets per employee ($millions) | 5.9960% | 1,463 |
| Cash dividends to net income (ytd only)* | 78.0738% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 3,655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 51.3301% | 4,519 |
| Net loans and leases to deposits | 56.0287% | 4,753 |
| Net loans and leases to core deposits | 57.7855% | 4,800 |
| Total domestic deposits to total assets | 91.6139% | 134 |
| Equity capital to assets | 8.3236% | 5,065 |
| Core capital (leverage) ratio | 8.4723% | 5,128 |
| Tier 1 risk-based capital ratio | 17.4802% | 1,945 |
| Total risk-based capital ratio | 18.5638% | 1,948 |
| Memoranda: | ||
| Average total assets | $72,364,330 | 4,647 |
| Average earning assets | $69,523,330 | 4,596 |
| Average equity | $5,928,670 | 5,012 |
| Average total loans | $37,732,330 | 4,713 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1601% | 5,268 |
| Cost of funding earning assets | 0.2018% | 5,002 |
| Net interest margin | 2.9583% | 4,938 |
| Noninterest income to average assets | 0.2756% | 4,326 |
| Noninterest expense to average assets | 1.8299% | 5,123 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2677% | 1,754 |
| Return on assets (ROA) | 1.2677% | 1,761 |
| Pretax return on assets | 1.2732% | 2,465 |
| Return on Equity (ROE) | 15.5972% | 688 |
| Retained earnings to average equity (ytd only) | -4.9504% | 5,201 |
| Net charge-offs to loans | 0.0105% | 2,368 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 231.0000% | 289 |
| Efficiency ratio | 58.9698% | 4,223 |
| Assets per employee ($millions) | 5.9256% | 1,579 |
| Cash dividends to net income (ytd only)* | 131.7391% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 3,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 50.7770% | 4,512 |
| Net loans and leases to deposits | 55.3417% | 4,729 |
| Net loans and leases to core deposits | 57.0936% | 4,793 |
| Total domestic deposits to total assets | 91.7519% | 140 |
| Equity capital to assets | 8.1863% | 5,185 |
| Core capital (leverage) ratio | 8.4141% | 5,191 |
| Tier 1 risk-based capital ratio | 17.1912% | 2,060 |
| Total risk-based capital ratio | 18.2889% | 2,055 |
| Memoranda: | ||
| Average total assets | $72,570,500 | 4,697 |
| Average earning assets | $69,364,000 | 4,654 |
| Average equity | $5,898,500 | 5,070 |
| Average total loans | $37,940,000 | 4,752 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1817% | 5,214 |
| Cost of funding earning assets | 0.1777% | 5,110 |
| Net interest margin | 3.0041% | 4,873 |
| Noninterest income to average assets | 0.2777% | 4,472 |
| Noninterest expense to average assets | 2.0063% | 4,946 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1558% | 1,662 |
| Return on assets (ROA) | 1.1558% | 1,692 |
| Pretax return on assets | 1.1572% | 2,958 |
| Return on Equity (ROE) | 13.5787% | 834 |
| Retained earnings to average equity (ytd only) | 5.2004% | 2,002 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4202% | 3,690 |
| Assets per employee ($millions) | 6.1695% | 1,404 |
| Cash dividends to net income (ytd only)* | 61.7021% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 4,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 52.6853% | 4,467 |
| Net loans and leases to deposits | 57.3451% | 4,728 |
| Net loans and leases to core deposits | 59.0833% | 4,797 |
| Total domestic deposits to total assets | 91.8740% | 89 |
| Equity capital to assets | 8.0720% | 5,365 |
| Core capital (leverage) ratio | 8.8375% | 4,827 |
| Tier 1 risk-based capital ratio | 16.0752% | 2,404 |
| Total risk-based capital ratio | 17.0918% | 2,442 |
| Memoranda: | ||
| Average total assets | $69,132,200 | 4,792 |
| Average earning assets | $66,410,200 | 4,735 |
| Average equity | $5,884,200 | 5,115 |
| Average total loans | $38,349,200 | 4,781 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1938% | 5,236 |
| Cost of funding earning assets | 0.1753% | 5,160 |
| Net interest margin | 3.0185% | 4,880 |
| Noninterest income to average assets | 0.2808% | 4,509 |
| Noninterest expense to average assets | 1.9733% | 5,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2134% | 1,636 |
| Return on assets (ROA) | 1.2134% | 1,668 |
| Pretax return on assets | 1.2154% | 2,838 |
| Return on Equity (ROE) | 14.0581% | 820 |
| Retained earnings to average equity (ytd only) | 6.4831% | 1,969 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8842% | 3,902 |
| Assets per employee ($millions) | 5.5698% | 1,859 |
| Cash dividends to net income (ytd only)* | 53.8836% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0158% | 3,976 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 56.1306% | 4,226 |
| Net loans and leases to deposits | 61.7924% | 4,526 |
| Net loans and leases to core deposits | 64.2243% | 4,595 |
| Total domestic deposits to total assets | 90.8374% | 224 |
| Equity capital to assets | 9.0908% | 4,828 |
| Core capital (leverage) ratio | 8.9027% | 4,858 |
| Tier 1 risk-based capital ratio | 16.3977% | 2,353 |
| Total risk-based capital ratio | 17.4383% | 2,375 |
| Memoranda: | ||
| Average total assets | $67,906,750 | 4,863 |
| Average earning assets | $65,416,500 | 4,802 |
| Average equity | $5,861,250 | 5,178 |
| Average total loans | $38,089,000 | 4,839 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1005% | 5,343 |
| Cost of funding earning assets | 0.1706% | 5,206 |
| Net interest margin | 2.9299% | 5,040 |
| Noninterest income to average assets | 0.2871% | 4,499 |
| Noninterest expense to average assets | 1.9630% | 5,053 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1397% | 1,824 |
| Return on assets (ROA) | 1.1397% | 1,877 |
| Pretax return on assets | 1.1426% | 3,002 |
| Return on Equity (ROE) | 13.4377% | 939 |
| Retained earnings to average equity (ytd only) | 4.0417% | 3,306 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2075% | 3,800 |
| Assets per employee ($millions) | 5.7152% | 1,686 |
| Cash dividends to net income (ytd only)* | 69.9229% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 4,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 55.3308% | 4,286 |
| Net loans and leases to deposits | 60.5785% | 4,584 |
| Net loans and leases to core deposits | 63.0946% | 4,665 |
| Total domestic deposits to total assets | 91.3374% | 150 |
| Equity capital to assets | 8.6174% | 5,211 |
| Core capital (leverage) ratio | 8.5387% | 5,188 |
| Tier 1 risk-based capital ratio | 15.9526% | 2,522 |
| Total risk-based capital ratio | 16.9939% | 2,540 |
| Memoranda: | ||
| Average total assets | $68,263,330 | 4,891 |
| Average earning assets | $65,666,670 | 4,839 |
| Average equity | $5,789,670 | 5,221 |
| Average total loans | $38,151,670 | 4,869 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0692% | 5,396 |
| Cost of funding earning assets | 0.1654% | 5,263 |
| Net interest margin | 2.9038% | 5,079 |
| Noninterest income to average assets | 0.2702% | 4,608 |
| Noninterest expense to average assets | 2.0146% | 5,022 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0337% | 2,150 |
| Return on assets (ROA) | 1.0337% | 2,202 |
| Pretax return on assets | 1.0396% | 3,199 |
| Return on Equity (ROE) | 12.2873% | 1,166 |
| Retained earnings to average equity (ytd only) | -2.4435% | 5,214 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9615% | 3,504 |
| Assets per employee ($millions) | 5.6458% | 1,769 |
| Cash dividends to net income (ytd only)* | 119.8864% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 3,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 53.0163% | 4,424 |
| Net loans and leases to deposits | 58.0071% | 4,695 |
| Net loans and leases to core deposits | 59.8404% | 4,786 |
| Total domestic deposits to total assets | 91.3962% | 195 |
| Equity capital to assets | 8.4577% | 5,271 |
| Core capital (leverage) ratio | 8.5169% | 5,216 |
| Tier 1 risk-based capital ratio | 16.3989% | 2,396 |
| Total risk-based capital ratio | 17.4976% | 2,396 |
| Memoranda: | ||
| Average total assets | $68,104,000 | 4,947 |
| Average earning assets | $65,293,000 | 4,896 |
| Average equity | $5,729,500 | 5,277 |
| Average total loans | $38,061,500 | 4,917 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2088% | 5,288 |
| Cost of funding earning assets | 0.1646% | 5,322 |
| Net interest margin | 3.0442% | 4,864 |
| Noninterest income to average assets | 0.3052% | 4,556 |
| Noninterest expense to average assets | 2.1889% | 4,799 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0085% | 2,320 |
| Return on assets (ROA) | 1.0085% | 2,417 |
| Pretax return on assets | 1.0100% | 3,438 |
| Return on Equity (ROE) | 11.3652% | 1,445 |
| Retained earnings to average equity (ytd only) | 2.6013% | 4,040 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4262% | 3,170 |
| Assets per employee ($millions) | 5.2661% | 2,097 |
| Cash dividends to net income (ytd only)* | 77.1121% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 4,492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 57.6038% | 4,107 |
| Net loans and leases to deposits | 62.8998% | 4,477 |
| Net loans and leases to core deposits | 64.5957% | 4,606 |
| Total domestic deposits to total assets | 91.5804% | 150 |
| Equity capital to assets | 8.3685% | 5,374 |
| Core capital (leverage) ratio | 8.9699% | 4,770 |
| Tier 1 risk-based capital ratio | 14.7102% | 3,097 |
| Total risk-based capital ratio | 15.6897% | 3,150 |
| Memoranda: | ||
| Average total assets | $64,553,800 | 5,037 |
| Average earning assets | $61,363,400 | 4,989 |
| Average equity | $5,728,000 | 5,329 |
| Average total loans | $37,796,200 | 4,952 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2260% | 5,324 |
| Cost of funding earning assets | 0.1633% | 5,393 |
| Net interest margin | 3.0628% | 4,870 |
| Noninterest income to average assets | 0.3104% | 4,545 |
| Noninterest expense to average assets | 2.1265% | 4,949 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0926% | 2,029 |
| Return on assets (ROA) | 1.0926% | 2,130 |
| Pretax return on assets | 1.0947% | 3,252 |
| Return on Equity (ROE) | 12.1278% | 1,280 |
| Retained earnings to average equity (ytd only) | 3.3521% | 3,885 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0156% | 3,591 |
| Assets per employee ($millions) | 5.2389% | 2,107 |
| Cash dividends to net income (ytd only)* | 72.3602% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 4,350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 60.0935% | 3,863 |
| Net loans and leases to deposits | 66.2929% | 4,313 |
| Net loans and leases to core deposits | 68.6342% | 4,419 |
| Total domestic deposits to total assets | 90.6485% | 286 |
| Equity capital to assets | 9.2783% | 4,889 |
| Core capital (leverage) ratio | 9.1980% | 4,591 |
| Tier 1 risk-based capital ratio | 15.0108% | 3,043 |
| Total risk-based capital ratio | 16.0113% | 3,102 |
| Memoranda: | ||
| Average total assets | $63,577,500 | 5,107 |
| Average earning assets | $60,423,250 | 5,052 |
| Average equity | $5,727,750 | 5,385 |
| Average total loans | $37,290,250 | 5,016 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1582% | 5,494 |
| Cost of funding earning assets | 0.1581% | 5,492 |
| Net interest margin | 3.0001% | 5,081 |
| Noninterest income to average assets | 0.3040% | 4,616 |
| Noninterest expense to average assets | 2.0936% | 5,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0625% | 2,109 |
| Return on assets (ROA) | 1.0625% | 2,236 |
| Pretax return on assets | 1.0656% | 3,340 |
| Return on Equity (ROE) | 11.9101% | 1,355 |
| Retained earnings to average equity (ytd only) | 1.4756% | 4,789 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2698% | 3,641 |
| Assets per employee ($millions) | 5.2173% | 2,071 |
| Cash dividends to net income (ytd only)* | 87.6106% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 4,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 59.7224% | 3,919 |
| Net loans and leases to deposits | 65.8176% | 4,361 |
| Net loans and leases to core deposits | 67.9022% | 4,483 |
| Total domestic deposits to total assets | 90.7392% | 245 |
| Equity capital to assets | 9.2081% | 5,063 |
| Core capital (leverage) ratio | 8.8612% | 4,987 |
| Tier 1 risk-based capital ratio | 14.9061% | 3,114 |
| Total risk-based capital ratio | 15.9175% | 3,166 |
| Memoranda: | ||
| Average total assets | $63,814,330 | 5,152 |
| Average earning assets | $60,731,000 | 5,091 |
| Average equity | $5,692,670 | 5,446 |
| Average total loans | $36,999,000 | 5,073 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1234% | 5,581 |
| Cost of funding earning assets | 0.1575% | 5,556 |
| Net interest margin | 2.9659% | 5,191 |
| Noninterest income to average assets | 0.2918% | 4,635 |
| Noninterest expense to average assets | 2.1299% | 5,053 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9625% | 2,452 |
| Return on assets (ROA) | 0.9625% | 2,566 |
| Pretax return on assets | 0.9687% | 3,585 |
| Return on Equity (ROE) | 10.9608% | 1,613 |
| Retained earnings to average equity (ytd only) | 0.3536% | 5,034 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7375% | 3,341 |
| Assets per employee ($millions) | 5.2793% | 2,052 |
| Cash dividends to net income (ytd only)* | 96.7742% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 4,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 56.2817% | 4,222 |
| Net loans and leases to deposits | 61.8763% | 4,583 |
| Net loans and leases to core deposits | 63.4656% | 4,729 |
| Total domestic deposits to total assets | 90.9583% | 289 |
| Equity capital to assets | 8.9754% | 5,193 |
| Core capital (leverage) ratio | 8.9037% | 4,961 |
| Tier 1 risk-based capital ratio | 15.6666% | 2,838 |
| Total risk-based capital ratio | 16.7366% | 2,857 |
| Memoranda: | ||
| Average total assets | $64,417,500 | 5,188 |
| Average earning assets | $60,960,000 | 5,131 |
| Average equity | $5,656,500 | 5,485 |
| Average total loans | $36,610,500 | 5,125 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1132% | 5,621 |
| Cost of funding earning assets | 0.1658% | 5,569 |
| Net interest margin | 2.9473% | 5,255 |
| Noninterest income to average assets | 0.3249% | 4,570 |
| Noninterest expense to average assets | 2.1166% | 5,221 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9811% | 2,461 |
| Return on assets (ROA) | 0.9811% | 2,538 |
| Pretax return on assets | 0.9826% | 3,534 |
| Return on Equity (ROE) | 11.3048% | 1,503 |
| Retained earnings to average equity (ytd only) | 7.1756% | 1,203 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2939% | 3,510 |
| Assets per employee ($millions) | 5.0372% | 2,327 |
| Cash dividends to net income (ytd only)* | 36.5260% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 4,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 56.1908% | 4,282 |
| Net loans and leases to deposits | 61.5030% | 4,671 |
| Net loans and leases to core deposits | 62.4879% | 4,848 |
| Total domestic deposits to total assets | 91.3628% | 202 |
| Equity capital to assets | 8.5929% | 5,476 |
| Core capital (leverage) ratio | 9.1829% | 4,639 |
| Tier 1 risk-based capital ratio | 15.1620% | 3,098 |
| Total risk-based capital ratio | 16.1983% | 3,133 |
| Memoranda: | ||
| Average total assets | $62,789,400 | 5,247 |
| Average earning assets | $59,104,000 | 5,214 |
| Average equity | $5,449,000 | 5,550 |
| Average total loans | $35,155,600 | 5,188 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1113% | 5,694 |
| Cost of funding earning assets | 0.1735% | 5,600 |
| Net interest margin | 2.9378% | 5,336 |
| Noninterest income to average assets | 0.3306% | 4,578 |
| Noninterest expense to average assets | 1.9984% | 5,482 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0926% | 2,044 |
| Return on assets (ROA) | 1.0926% | 2,125 |
| Pretax return on assets | 1.0947% | 3,252 |
| Return on Equity (ROE) | 12.5571% | 1,229 |
| Retained earnings to average equity (ytd only) | 7.0064% | 1,682 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6079% | 4,139 |
| Assets per employee ($millions) | 4.9732% | 2,331 |
| Cash dividends to net income (ytd only)* | 44.2039% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 4,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 57.0026% | 4,247 |
| Net loans and leases to deposits | 64.1280% | 4,548 |
| Net loans and leases to core deposits | 65.5162% | 4,726 |
| Total domestic deposits to total assets | 88.8887% | 1,081 |
| Equity capital to assets | 9.3569% | 4,931 |
| Core capital (leverage) ratio | 9.0927% | 4,892 |
| Tier 1 risk-based capital ratio | 15.9927% | 2,800 |
| Total risk-based capital ratio | 17.1071% | 2,805 |
| Memoranda: | ||
| Average total assets | $62,115,750 | 5,337 |
| Average earning assets | $58,409,750 | 5,295 |
| Average equity | $5,404,500 | 5,628 |
| Average total loans | $34,649,250 | 5,259 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0422% | 5,815 |
| Cost of funding earning assets | 0.1662% | 5,732 |
| Net interest margin | 2.8760% | 5,488 |
| Noninterest income to average assets | 0.3305% | 4,591 |
| Noninterest expense to average assets | 1.9959% | 5,541 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0266% | 2,254 |
| Return on assets (ROA) | 1.0266% | 2,369 |
| Pretax return on assets | 1.0297% | 3,463 |
| Return on Equity (ROE) | 12.0868% | 1,343 |
| Retained earnings to average equity (ytd only) | 6.4737% | 1,964 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9664% | 4,014 |
| Assets per employee ($millions) | 5.1426% | 2,106 |
| Cash dividends to net income (ytd only)* | 46.4396% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 4,276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 55.6287% | 4,376 |
| Net loans and leases to deposits | 61.0326% | 4,773 |
| Net loans and leases to core deposits | 62.2771% | 4,927 |
| Total domestic deposits to total assets | 91.1458% | 268 |
| Equity capital to assets | 8.7958% | 5,438 |
| Core capital (leverage) ratio | 8.6213% | 5,414 |
| Tier 1 risk-based capital ratio | 15.6307% | 3,038 |
| Total risk-based capital ratio | 16.7422% | 3,058 |
| Memoranda: | ||
| Average total assets | $62,928,330 | 5,374 |
| Average earning assets | $58,971,000 | 5,330 |
| Average equity | $5,344,670 | 5,692 |
| Average total loans | $34,731,330 | 5,302 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0187% | 5,877 |
| Cost of funding earning assets | 0.1677% | 5,794 |
| Net interest margin | 2.8510% | 5,547 |
| Noninterest income to average assets | 0.3148% | 4,675 |
| Noninterest expense to average assets | 1.9264% | 5,710 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0577% | 2,007 |
| Return on assets (ROA) | 1.0577% | 2,136 |
| Pretax return on assets | 1.0639% | 3,241 |
| Return on Equity (ROE) | 12.6721% | 1,170 |
| Retained earnings to average equity (ytd only) | 7.0149% | 2,006 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4211% | 4,415 |
| Assets per employee ($millions) | 5.1957% | 2,116 |
| Cash dividends to net income (ytd only)* | 44.6429% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 4,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 54.0210% | 4,445 |
| Net loans and leases to deposits | 59.1756% | 4,810 |
| Net loans and leases to core deposits | 59.8848% | 4,998 |
| Total domestic deposits to total assets | 91.2892% | 277 |
| Equity capital to assets | 8.6418% | 5,622 |
| Core capital (leverage) ratio | 8.5775% | 5,448 |
| Tier 1 risk-based capital ratio | 15.6496% | 3,083 |
| Total risk-based capital ratio | 16.7791% | 3,073 |
| Memoranda: | ||
| Average total assets | $63,537,000 | 5,411 |
| Average earning assets | $59,628,500 | 5,364 |
| Average equity | $5,303,000 | 5,761 |
| Average total loans | $34,740,000 | 5,336 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9572% | 6,092 |
| Cost of funding earning assets | 0.1911% | 5,826 |
| Net interest margin | 2.7661% | 5,857 |
| Noninterest income to average assets | 0.3073% | 4,915 |
| Noninterest expense to average assets | 2.0574% | 5,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8535% | 3,103 |
| Return on assets (ROA) | 0.8535% | 3,199 |
| Pretax return on assets | 0.8551% | 4,048 |
| Return on Equity (ROE) | 10.6176% | 1,853 |
| Retained earnings to average equity (ytd only) | 6.3389% | 1,739 |
| Net charge-offs to loans | 0.0060% | 4,810 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 268.5000% | 202 |
| Efficiency ratio | 70.6397% | 3,437 |
| Assets per employee ($millions) | 5.8842% | 1,464 |
| Cash dividends to net income (ytd only)* | 40.2985% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 4,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 54.1189% | 4,565 |
| Net loans and leases to deposits | 58.9030% | 4,988 |
| Net loans and leases to core deposits | 59.5782% | 5,167 |
| Total domestic deposits to total assets | 91.8781% | 162 |
| Equity capital to assets | 8.0617% | 6,036 |
| Core capital (leverage) ratio | 8.5243% | 5,537 |
| Tier 1 risk-based capital ratio | 14.5774% | 3,734 |
| Total risk-based capital ratio | 15.4674% | 3,884 |
| Memoranda: | ||
| Average total assets | $62,798,800 | 5,478 |
| Average earning assets | $59,144,000 | 5,417 |
| Average equity | $5,048,200 | 5,846 |
| Average total loans | $33,516,400 | 5,421 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9312% | 6,178 |
| Cost of funding earning assets | 0.1950% | 5,872 |
| Net interest margin | 2.7362% | 5,965 |
| Noninterest income to average assets | 0.3081% | 4,977 |
| Noninterest expense to average assets | 1.9620% | 5,838 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9264% | 2,791 |
| Return on assets (ROA) | 0.9264% | 2,884 |
| Pretax return on assets | 0.9286% | 3,869 |
| Return on Equity (ROE) | 11.5331% | 1,616 |
| Retained earnings to average equity (ytd only) | 5.7800% | 2,546 |
| Net charge-offs to loans | 0.0081% | 4,435 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 216.7228% | 302 |
| Efficiency ratio | 67.8756% | 3,882 |
| Assets per employee ($millions) | 5.4134% | 1,803 |
| Cash dividends to net income (ytd only)* | 49.8839% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 4,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 56.2984% | 4,294 |
| Net loans and leases to deposits | 62.2186% | 4,719 |
| Net loans and leases to core deposits | 63.0056% | 4,968 |
| Total domestic deposits to total assets | 90.4848% | 534 |
| Equity capital to assets | 8.5915% | 5,730 |
| Core capital (leverage) ratio | 8.4621% | 5,692 |
| Tier 1 risk-based capital ratio | 14.9910% | 3,596 |
| Total risk-based capital ratio | 15.9859% | 3,684 |
| Memoranda: | ||
| Average total assets | $62,317,000 | 5,552 |
| Average earning assets | $58,813,750 | 5,491 |
| Average equity | $5,005,750 | 5,912 |
| Average total loans | $33,042,000 | 5,489 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8412% | 6,306 |
| Cost of funding earning assets | 0.1989% | 5,925 |
| Net interest margin | 2.6424% | 6,127 |
| Noninterest income to average assets | 0.2941% | 5,067 |
| Noninterest expense to average assets | 1.9323% | 5,944 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8381% | 3,137 |
| Return on assets (ROA) | 0.8381% | 3,229 |
| Pretax return on assets | 0.8412% | 4,117 |
| Return on Equity (ROE) | 10.6661% | 1,860 |
| Retained earnings to average equity (ytd only) | 4.8702% | 3,036 |
| Net charge-offs to loans | 0.0122% | 4,001 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 452 |
| Efficiency ratio | 69.6693% | 3,713 |
| Assets per employee ($millions) | 5.2375% | 1,928 |
| Cash dividends to net income (ytd only)* | 54.3396% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 4,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 51.1567% | 4,838 |
| Net loans and leases to deposits | 55.6533% | 5,223 |
| Net loans and leases to core deposits | 56.3092% | 5,390 |
| Total domestic deposits to total assets | 91.9204% | 182 |
| Equity capital to assets | 8.0127% | 6,148 |
| Core capital (leverage) ratio | 7.9545% | 6,131 |
| Tier 1 risk-based capital ratio | 15.3713% | 3,426 |
| Total risk-based capital ratio | 16.4685% | 3,463 |
| Memoranda: | ||
| Average total assets | $63,240,330 | 5,581 |
| Average earning assets | $59,340,670 | 5,523 |
| Average equity | $4,969,000 | 5,961 |
| Average total loans | $32,753,000 | 5,540 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8414% | 6,366 |
| Cost of funding earning assets | 0.2034% | 5,963 |
| Net interest margin | 2.6380% | 6,185 |
| Noninterest income to average assets | 0.2711% | 5,200 |
| Noninterest expense to average assets | 1.8223% | 6,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8954% | 2,680 |
| Return on assets (ROA) | 0.8954% | 2,740 |
| Pretax return on assets | 0.9017% | 3,691 |
| Return on Equity (ROE) | 11.5085% | 1,544 |
| Retained earnings to average equity (ytd only) | 5.6732% | 2,704 |
| Net charge-offs to loans | 0.0243% | 3,082 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 71.5000% | 584 |
| Efficiency ratio | 66.8981% | 4,376 |
| Assets per employee ($millions) | 5.3358% | 1,878 |
| Cash dividends to net income (ytd only)* | 50.7042% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 4,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 47.0146% | 5,231 |
| Net loans and leases to deposits | 51.0653% | 5,517 |
| Net loans and leases to core deposits | 51.6550% | 5,642 |
| Total domestic deposits to total assets | 92.0677% | 230 |
| Equity capital to assets | 7.7418% | 6,212 |
| Core capital (leverage) ratio | 7.9958% | 6,122 |
| Tier 1 risk-based capital ratio | 16.1679% | 3,075 |
| Total risk-based capital ratio | 17.4116% | 3,044 |
| Memoranda: | ||
| Average total assets | $63,435,500 | 5,631 |
| Average earning assets | $58,985,000 | 5,589 |
| Average equity | $4,935,500 | 6,012 |
| Average total loans | $32,861,000 | 5,591 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8901% | 6,432 |
| Cost of funding earning assets | 0.2264% | 6,131 |
| Net interest margin | 2.6637% | 6,185 |
| Noninterest income to average assets | 0.3043% | 5,167 |
| Noninterest expense to average assets | 2.0134% | 6,008 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7850% | 3,371 |
| Return on assets (ROA) | 0.7914% | 3,436 |
| Pretax return on assets | 0.7914% | 4,173 |
| Return on Equity (ROE) | 10.3052% | 1,992 |
| Retained earnings to average equity (ytd only) | 6.9965% | 1,434 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9491% | 3,485 |
| Assets per employee ($millions) | 5.2368% | 1,916 |
| Cash dividends to net income (ytd only)* | 32.1063% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 5,159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 55.4518% | 4,390 |
| Net loans and leases to deposits | 60.2129% | 4,921 |
| Net loans and leases to core deposits | 60.9213% | 5,151 |
| Total domestic deposits to total assets | 92.0929% | 262 |
| Equity capital to assets | 7.8196% | 6,130 |
| Core capital (leverage) ratio | 8.1910% | 5,985 |
| Tier 1 risk-based capital ratio | 13.6483% | 4,552 |
| Total risk-based capital ratio | 14.5440% | 4,732 |
| Memoranda: | ||
| Average total assets | $61,786,800 | 5,711 |
| Average earning assets | $57,852,200 | 5,658 |
| Average equity | $4,745,200 | 6,131 |
| Average total loans | $31,990,600 | 5,667 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8166% | 6,564 |
| Cost of funding earning assets | 0.2273% | 6,246 |
| Net interest margin | 2.5893% | 6,330 |
| Noninterest income to average assets | 0.3186% | 5,147 |
| Noninterest expense to average assets | 1.9288% | 6,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8344% | 3,170 |
| Return on assets (ROA) | 0.8430% | 3,255 |
| Pretax return on assets | 0.8430% | 4,129 |
| Return on Equity (ROE) | 11.0281% | 1,809 |
| Retained earnings to average equity (ytd only) | 6.5773% | 2,091 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8039% | 3,784 |
| Assets per employee ($millions) | 5.4820% | 1,642 |
| Cash dividends to net income (ytd only)* | 40.3606% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 5,084 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 54.8373% | 4,478 |
| Net loans and leases to deposits | 64.6428% | 4,446 |
| Net loans and leases to core deposits | 65.5045% | 4,754 |
| Total domestic deposits to total assets | 84.8313% | 3,828 |
| Equity capital to assets | 7.9400% | 6,186 |
| Core capital (leverage) ratio | 7.8145% | 6,323 |
| Tier 1 risk-based capital ratio | 13.8931% | 4,500 |
| Total risk-based capital ratio | 14.8727% | 4,635 |
| Memoranda: | ||
| Average total assets | $61,523,000 | 5,778 |
| Average earning assets | $58,083,750 | 5,713 |
| Average equity | $4,703,000 | 6,226 |
| Average total loans | $31,179,750 | 5,757 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7736% | 6,620 |
| Cost of funding earning assets | 0.2257% | 6,337 |
| Net interest margin | 2.5479% | 6,392 |
| Noninterest income to average assets | 0.3100% | 5,227 |
| Noninterest expense to average assets | 1.9506% | 6,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7654% | 3,490 |
| Return on assets (ROA) | 0.7654% | 3,647 |
| Pretax return on assets | 0.7654% | 4,447 |
| Return on Equity (ROE) | 10.1398% | 2,144 |
| Retained earnings to average equity (ytd only) | 5.4763% | 2,758 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8193% | 3,506 |
| Assets per employee ($millions) | 5.1494% | 1,935 |
| Cash dividends to net income (ytd only)* | 45.9916% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 4,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 47.5620% | 5,367 |
| Net loans and leases to deposits | 51.4540% | 5,734 |
| Net loans and leases to core deposits | 52.0675% | 5,884 |
| Total domestic deposits to total assets | 92.4360% | 194 |
| Equity capital to assets | 7.4895% | 6,445 |
| Core capital (leverage) ratio | 7.7277% | 6,356 |
| Tier 1 risk-based capital ratio | 15.0870% | 3,721 |
| Total risk-based capital ratio | 16.3117% | 3,708 |
| Memoranda: | ||
| Average total assets | $61,930,000 | 5,804 |
| Average earning assets | $58,479,000 | 5,742 |
| Average equity | $4,674,670 | 6,275 |
| Average total loans | $30,421,330 | 5,827 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8003% | 6,676 |
| Cost of funding earning assets | 0.2254% | 6,439 |
| Net interest margin | 2.5749% | 6,409 |
| Noninterest income to average assets | 0.2516% | 5,658 |
| Noninterest expense to average assets | 1.8775% | 6,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8065% | 3,122 |
| Return on assets (ROA) | 0.8065% | 3,258 |
| Pretax return on assets | 0.8065% | 4,148 |
| Return on Equity (ROE) | 10.6428% | 1,820 |
| Retained earnings to average equity (ytd only) | 5.5343% | 2,935 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9519% | 3,987 |
| Assets per employee ($millions) | 4.8394% | 2,428 |
| Cash dividends to net income (ytd only)* | 48.0000% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 4,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 46.1454% | 5,424 |
| Net loans and leases to deposits | 49.9879% | 5,785 |
| Net loans and leases to core deposits | 50.5740% | 5,931 |
| Total domestic deposits to total assets | 92.3131% | 199 |
| Equity capital to assets | 7.5168% | 6,590 |
| Core capital (leverage) ratio | 7.4129% | 6,501 |
| Tier 1 risk-based capital ratio | 14.9828% | 3,846 |
| Total risk-based capital ratio | 16.2284% | 3,808 |
| Memoranda: | ||
| Average total assets | $61,998,500 | 5,864 |
| Average earning assets | $58,565,500 | 5,786 |
| Average equity | $4,698,000 | 6,336 |
| Average total loans | $30,743,500 | 5,857 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0341% | 6,757 |
| Cost of funding earning assets | 0.3221% | 6,348 |
| Net interest margin | 2.7120% | 6,505 |
| Noninterest income to average assets | 0.2771% | 5,480 |
| Noninterest expense to average assets | 2.1321% | 6,060 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6824% | 3,821 |
| Return on assets (ROA) | 0.6997% | 3,992 |
| Pretax return on assets | 0.6997% | 4,668 |
| Return on Equity (ROE) | 8.9302% | 2,679 |
| Retained earnings to average equity (ytd only) | 5.8576% | 2,156 |
| Net charge-offs to loans | 0.0072% | 5,852 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 197.0000% | 213 |
| Efficiency ratio | 75.7538% | 2,788 |
| Assets per employee ($millions) | 5.0904% | 2,113 |
| Cash dividends to net income (ytd only)* | 34.4059% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 5,080 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 51.8654% | 4,947 |
| Net loans and leases to deposits | 56.1977% | 5,427 |
| Net loans and leases to core deposits | 56.8766% | 5,642 |
| Total domestic deposits to total assets | 92.2911% | 199 |
| Equity capital to assets | 7.6402% | 6,574 |
| Core capital (leverage) ratio | 7.9587% | 6,231 |
| Tier 1 risk-based capital ratio | 13.7011% | 4,600 |
| Total risk-based capital ratio | 14.8563% | 4,618 |
| Memoranda: | ||
| Average total assets | $57,737,000 | 5,979 |
| Average earning assets | $54,020,000 | 5,927 |
| Average equity | $4,524,000 | 6,439 |
| Average total loans | $27,664,800 | 6,049 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0457% | 6,877 |
| Cost of funding earning assets | 0.3465% | 6,396 |
| Net interest margin | 2.6992% | 6,646 |
| Noninterest income to average assets | 0.2671% | 5,645 |
| Noninterest expense to average assets | 2.0995% | 6,165 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6866% | 3,972 |
| Return on assets (ROA) | 0.7100% | 4,109 |
| Pretax return on assets | 0.7100% | 4,827 |
| Return on Equity (ROE) | 9.0011% | 2,801 |
| Retained earnings to average equity (ytd only) | 4.8718% | 3,461 |
| Net charge-offs to loans | 0.0101% | 5,572 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 146.3146% | 304 |
| Efficiency ratio | 75.3574% | 2,768 |
| Assets per employee ($millions) | 4.5828% | 2,774 |
| Cash dividends to net income (ytd only)* | 45.8749% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 4,638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 6,433 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 51.8911% | 5,064 |
| Net loans and leases to deposits | 58.4391% | 5,382 |
| Net loans and leases to core deposits | 59.2546% | 5,631 |
| Total domestic deposits to total assets | 88.7951% | 1,540 |
| Equity capital to assets | 8.3555% | 6,379 |
| Core capital (leverage) ratio | 7.7884% | 6,475 |
| Tier 1 risk-based capital ratio | 14.6576% | 4,082 |
| Total risk-based capital ratio | 15.9084% | 4,044 |
| Memoranda: | ||
| Average total assets | $56,900,000 | 6,069 |
| Average earning assets | $53,100,250 | 6,020 |
| Average equity | $4,488,250 | 6,515 |
| Average total loans | $26,563,750 | 6,189 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9444% | 6,993 |
| Cost of funding earning assets | 0.3634% | 6,454 |
| Net interest margin | 2.5810% | 6,835 |
| Noninterest income to average assets | 0.2711% | 5,636 |
| Noninterest expense to average assets | 2.0996% | 6,231 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5666% | 4,509 |
| Return on assets (ROA) | 0.5666% | 4,790 |
| Pretax return on assets | 0.5666% | 5,255 |
| Return on Equity (ROE) | 7.3214% | 3,601 |
| Retained earnings to average equity (ytd only) | 3.3238% | 4,390 |
| Net charge-offs to loans | 0.0078% | 5,369 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 163.0000% | 281 |
| Efficiency ratio | 78.7484% | 2,359 |
| Assets per employee ($millions) | 4.8632% | 2,339 |
| Cash dividends to net income (ytd only)* | 54.6012% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 4,232 |
| Loan loss allowance to noncurrent loans | 285.2941% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3804% | 5,832 |
| Noncurrent loans to loans | 0.5098% | 5,511 |
| Net loans and leases to total assets | 45.0495% | 5,921 |
| Net loans and leases to deposits | 48.8625% | 6,258 |
| Net loans and leases to core deposits | 49.4805% | 6,368 |
| Total domestic deposits to total assets | 92.1964% | 200 |
| Equity capital to assets | 7.7076% | 6,711 |
| Core capital (leverage) ratio | 7.4401% | 6,647 |
| Tier 1 risk-based capital ratio | 15.3353% | 3,551 |
| Total risk-based capital ratio | 16.5870% | 3,510 |
| Memoranda: | ||
| Average total assets | $57,535,330 | 6,091 |
| Average earning assets | $53,390,000 | 6,047 |
| Average equity | $4,452,670 | 6,557 |
| Average total loans | $25,777,000 | 6,275 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9461% | 7,065 |
| Cost of funding earning assets | 0.3862% | 6,479 |
| Net interest margin | 2.5598% | 6,909 |
| Noninterest income to average assets | 0.2311% | 5,973 |
| Noninterest expense to average assets | 1.8906% | 6,662 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7072% | 3,850 |
| Return on assets (ROA) | 0.7072% | 4,069 |
| Pretax return on assets | 0.7072% | 4,765 |
| Return on Equity (ROE) | 9.1196% | 2,777 |
| Retained earnings to average equity (ytd only) | 4.6050% | 3,810 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7763% | 3,295 |
| Assets per employee ($millions) | 5.2329% | 1,954 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 3,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2189% | 6,342 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 42.6914% | 6,127 |
| Net loans and leases to deposits | 46.3302% | 6,404 |
| Net loans and leases to core deposits | 46.9247% | 6,512 |
| Total domestic deposits to total assets | 92.1459% | 234 |
| Equity capital to assets | 7.7308% | 6,672 |
| Core capital (leverage) ratio | 7.6961% | 6,491 |
| Tier 1 risk-based capital ratio | 16.4030% | 2,960 |
| Total risk-based capital ratio | 17.6552% | 2,919 |
| Memoranda: | ||
| Average total assets | $57,124,000 | 6,151 |
| Average earning assets | $52,816,000 | 6,106 |
| Average equity | $4,430,000 | 6,601 |
| Average total loans | $25,326,500 | 6,346 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4647% | 7,012 |
| Cost of funding earning assets | 0.5393% | 6,389 |
| Net interest margin | 2.9254% | 6,649 |
| Noninterest income to average assets | 0.3523% | 4,984 |
| Noninterest expense to average assets | 2.2086% | 6,250 |
| Loan and lease loss provision to assets | 0.0341% | 6,135 |
| Net operating income to assets | 0.8221% | 2,944 |
| Return on assets (ROA) | 0.8410% | 3,025 |
| Pretax return on assets | 0.8410% | 3,816 |
| Return on Equity (ROE) | 10.4035% | 1,918 |
| Retained earnings to average equity (ytd only) | 6.0218% | 2,004 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0643% | 3,567 |
| Assets per employee ($millions) | 4.7238% | 2,554 |
| Cash dividends to net income (ytd only)* | 42.1171% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 3,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 6,405 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 44.6336% | 6,147 |
| Net loans and leases to deposits | 48.4628% | 6,467 |
| Net loans and leases to core deposits | 49.0948% | 6,584 |
| Total domestic deposits to total assets | 92.0986% | 225 |
| Equity capital to assets | 7.7797% | 6,699 |
| Core capital (leverage) ratio | 8.1483% | 6,075 |
| Tier 1 risk-based capital ratio | 15.8848% | 3,104 |
| Total risk-based capital ratio | 17.1375% | 3,067 |
| Memoranda: | ||
| Average total assets | $52,792,800 | 6,272 |
| Average earning assets | $48,950,200 | 6,228 |
| Average equity | $4,267,800 | 6,667 |
| Average total loans | $24,786,800 | 6,429 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5053% | 7,076 |
| Cost of funding earning assets | 0.5686% | 6,435 |
| Net interest margin | 2.9368% | 6,694 |
| Noninterest income to average assets | 0.3705% | 4,905 |
| Noninterest expense to average assets | 2.1407% | 6,426 |
| Loan and lease loss provision to assets | 0.0463% | 5,862 |
| Net operating income to assets | 0.9211% | 2,668 |
| Return on assets (ROA) | 0.9211% | 2,804 |
| Pretax return on assets | 0.9211% | 3,681 |
| Return on Equity (ROE) | 11.2782% | 1,768 |
| Retained earnings to average equity (ytd only) | 5.3870% | 2,918 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8742% | 4,140 |
| Assets per employee ($millions) | 4.6032% | 2,748 |
| Cash dividends to net income (ytd only)* | 52.2354% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5205% | 4,004 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 6,371 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 49.7561% | 5,739 |
| Net loans and leases to deposits | 54.5431% | 6,158 |
| Net loans and leases to core deposits | 54.9847% | 6,390 |
| Total domestic deposits to total assets | 91.2235% | 375 |
| Equity capital to assets | 8.6047% | 6,197 |
| Core capital (leverage) ratio | 8.0367% | 6,362 |
| Tier 1 risk-based capital ratio | 15.5073% | 3,383 |
| Total risk-based capital ratio | 16.7588% | 3,350 |
| Memoranda: | ||
| Average total assets | $51,819,500 | 6,365 |
| Average earning assets | $48,306,000 | 6,304 |
| Average equity | $4,232,250 | 6,729 |
| Average total loans | $24,561,000 | 6,504 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4769% | 7,170 |
| Cost of funding earning assets | 0.5795% | 6,545 |
| Net interest margin | 2.8974% | 6,791 |
| Noninterest income to average assets | 0.3792% | 4,853 |
| Noninterest expense to average assets | 2.1910% | 6,407 |
| Loan and lease loss provision to assets | 0.0460% | 5,732 |
| Net operating income to assets | 0.8427% | 2,891 |
| Return on assets (ROA) | 0.8427% | 2,987 |
| Pretax return on assets | 0.8427% | 3,859 |
| Return on Equity (ROE) | 10.4995% | 1,947 |
| Retained earnings to average equity (ytd only) | 4.4862% | 3,339 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1443% | 3,909 |
| Assets per employee ($millions) | 4.8272% | 2,372 |
| Cash dividends to net income (ytd only)* | 57.2727% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6103% | 3,654 |
| Loan loss allowance to noncurrent loans | 255.3333% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.5461% | 5,828 |
| Noncurrent loans to loans | 0.6306% | 5,663 |
| Net loans and leases to total assets | 44.0724% | 6,432 |
| Net loans and leases to deposits | 48.0120% | 6,725 |
| Net loans and leases to core deposits | 48.6822% | 6,825 |
| Total domestic deposits to total assets | 91.7946% | 279 |
| Equity capital to assets | 8.0604% | 6,630 |
| Core capital (leverage) ratio | 7.6433% | 6,628 |
| Tier 1 risk-based capital ratio | 16.3170% | 2,824 |
| Total risk-based capital ratio | 17.5719% | 2,792 |
| Memoranda: | ||
| Average total assets | $52,214,330 | 6,403 |
| Average earning assets | $48,663,670 | 6,348 |
| Average equity | $4,190,670 | 6,791 |
| Average total loans | $24,220,330 | 6,579 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5648% | 7,166 |
| Cost of funding earning assets | 0.5844% | 6,672 |
| Net interest margin | 2.9804% | 6,609 |
| Noninterest income to average assets | 0.3168% | 5,391 |
| Noninterest expense to average assets | 2.0706% | 6,692 |
| Loan and lease loss provision to assets | 0.0464% | 5,423 |
| Net operating income to assets | 0.9580% | 2,321 |
| Return on assets (ROA) | 0.9580% | 2,389 |
| Pretax return on assets | 0.9580% | 3,289 |
| Return on Equity (ROE) | 11.9633% | 1,473 |
| Retained earnings to average equity (ytd only) | 4.7274% | 3,364 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3367% | 4,784 |
| Assets per employee ($millions) | 4.7629% | 2,481 |
| Cash dividends to net income (ytd only)* | 60.4839% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 3,835 |
| Loan loss allowance to noncurrent loans | 6,283.3333% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.9238% | 5,048 |
| Noncurrent loans to loans | 0.0251% | 7,000 |
| Net loans and leases to total assets | 44.9172% | 6,388 |
| Net loans and leases to deposits | 48.8936% | 6,698 |
| Net loans and leases to core deposits | 49.5839% | 6,795 |
| Total domestic deposits to total assets | 91.8671% | 323 |
| Equity capital to assets | 7.9497% | 6,545 |
| Core capital (leverage) ratio | 7.9818% | 6,276 |
| Tier 1 risk-based capital ratio | 15.9368% | 2,930 |
| Total risk-based capital ratio | 17.1913% | 2,898 |
| Memoranda: | ||
| Average total assets | $51,772,000 | 6,465 |
| Average earning assets | $47,913,500 | 6,415 |
| Average equity | $4,146,000 | 6,832 |
| Average total loans | $24,438,000 | 6,617 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8726% | 7,219 |
| Cost of funding earning assets | 0.7762% | 6,657 |
| Net interest margin | 3.0964% | 6,530 |
| Noninterest income to average assets | 0.2426% | 6,062 |
| Noninterest expense to average assets | 2.3163% | 6,312 |
| Loan and lease loss provision to assets | 0.0994% | 6,149 |
| Net operating income to assets | 0.7217% | 3,141 |
| Return on assets (ROA) | 0.7993% | 2,937 |
| Pretax return on assets | 0.7993% | 3,635 |
| Return on Equity (ROE) | 9.8878% | 1,971 |
| Retained earnings to average equity (ytd only) | 6.4197% | 1,606 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8276% | 3,433 |
| Assets per employee ($millions) | 5.1152% | 1,993 |
| Cash dividends to net income (ytd only)* | 35.0746% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 4,087 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4134% | 4,226 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 48.0822% | 6,383 |
| Net loans and leases to deposits | 52.3967% | 6,716 |
| Net loans and leases to core deposits | 53.1554% | 6,851 |
| Total domestic deposits to total assets | 91.7657% | 334 |
| Equity capital to assets | 8.0681% | 6,420 |
| Core capital (leverage) ratio | 8.0654% | 6,084 |
| Tier 1 risk-based capital ratio | 15.0529% | 3,212 |
| Total risk-based capital ratio | 16.3039% | 3,169 |
| Memoranda: | ||
| Average total assets | $50,296,000 | 6,524 |
| Average earning assets | $47,022,200 | 6,479 |
| Average equity | $4,065,600 | 6,976 |
| Average total loans | $24,385,200 | 6,708 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8989% | 7,340 |
| Cost of funding earning assets | 0.8225% | 6,678 |
| Net interest margin | 3.0764% | 6,668 |
| Noninterest income to average assets | 0.2502% | 6,099 |
| Noninterest expense to average assets | 2.2842% | 6,379 |
| Loan and lease loss provision to assets | 0.1198% | 5,834 |
| Net operating income to assets | 0.7241% | 3,301 |
| Return on assets (ROA) | 0.8280% | 3,028 |
| Pretax return on assets | 0.8280% | 3,808 |
| Return on Equity (ROE) | 10.2379% | 2,031 |
| Retained earnings to average equity (ytd only) | 5.5962% | 2,596 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0213% | 3,522 |
| Assets per employee ($millions) | 4.6469% | 2,687 |
| Cash dividends to net income (ytd only)* | 45.3383% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5170% | 3,884 |
| Loan loss allowance to noncurrent loans | 152.5000% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 1.5903% | 4,065 |
| Noncurrent loans to loans | 0.9947% | 5,246 |
| Net loans and leases to total assets | 51.1330% | 6,207 |
| Net loans and leases to deposits | 56.2085% | 6,605 |
| Net loans and leases to core deposits | 57.1123% | 6,785 |
| Total domestic deposits to total assets | 90.9703% | 460 |
| Equity capital to assets | 8.8123% | 5,846 |
| Core capital (leverage) ratio | 8.1422% | 6,134 |
| Tier 1 risk-based capital ratio | 15.2052% | 3,153 |
| Total risk-based capital ratio | 16.4404% | 3,131 |
| Memoranda: | ||
| Average total assets | $50,082,000 | 6,604 |
| Average earning assets | $46,850,000 | 6,564 |
| Average equity | $4,050,250 | 7,069 |
| Average total loans | $24,240,000 | 6,805 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8476% | 7,463 |
| Cost of funding earning assets | 0.8564% | 6,737 |
| Net interest margin | 2.9912% | 6,847 |
| Noninterest income to average assets | 0.2730% | 5,967 |
| Noninterest expense to average assets | 2.1448% | 6,778 |
| Loan and lease loss provision to assets | 0.1170% | 5,725 |
| Net operating income to assets | 0.8033% | 2,958 |
| Return on assets (ROA) | 0.8033% | 3,097 |
| Pretax return on assets | 0.8033% | 3,869 |
| Return on Equity (ROE) | 10.2098% | 2,022 |
| Retained earnings to average equity (ytd only) | 5.2040% | 2,772 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9746% | 4,194 |
| Assets per employee ($millions) | 4.4482% | 2,967 |
| Cash dividends to net income (ytd only)* | 49.0291% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5282% | 3,781 |
| Loan loss allowance to noncurrent loans | 57.5410% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 1.6432% | 3,969 |
| Noncurrent loans to loans | 2.6559% | 2,985 |
| Net loans and leases to total assets | 46.2232% | 6,766 |
| Net loans and leases to deposits | 50.5453% | 7,045 |
| Net loans and leases to core deposits | 51.3125% | 7,162 |
| Total domestic deposits to total assets | 91.4490% | 349 |
| Equity capital to assets | 8.3180% | 6,406 |
| Core capital (leverage) ratio | 7.6976% | 6,611 |
| Tier 1 risk-based capital ratio | 15.3288% | 2,986 |
| Total risk-based capital ratio | 16.5791% | 2,952 |
| Memoranda: | ||
| Average total assets | $51,286,330 | 6,606 |
| Average earning assets | $47,874,000 | 6,553 |
| Average equity | $4,035,330 | 7,112 |
| Average total loans | $24,277,670 | 6,844 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8905% | 7,526 |
| Cost of funding earning assets | 0.8846% | 6,826 |
| Net interest margin | 3.0059% | 6,820 |
| Noninterest income to average assets | 0.2516% | 6,141 |
| Noninterest expense to average assets | 1.8984% | 7,332 |
| Loan and lease loss provision to assets | 0.1144% | 5,470 |
| Net operating income to assets | 1.0369% | 2,045 |
| Return on assets (ROA) | 1.0369% | 2,106 |
| Pretax return on assets | 1.0369% | 2,948 |
| Return on Equity (ROE) | 13.5391% | 1,137 |
| Retained earnings to average equity (ytd only) | 13.5391% | 554 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2500% | 5,786 |
| Assets per employee ($millions) | 4.2734% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 4,321 |
| Loan loss allowance to noncurrent loans | 48.1375% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 1.7394% | 3,871 |
| Noncurrent loans to loans | 2.9503% | 2,724 |
| Net loans and leases to total assets | 45.4808% | 6,872 |
| Net loans and leases to deposits | 49.5591% | 7,152 |
| Net loans and leases to core deposits | 50.2727% | 7,273 |
| Total domestic deposits to total assets | 91.7708% | 298 |
| Equity capital to assets | 7.9406% | 6,718 |
| Core capital (leverage) ratio | 7.7433% | 6,578 |
| Tier 1 risk-based capital ratio | 14.4160% | 3,431 |
| Total risk-based capital ratio | 15.6466% | 3,404 |
| Memoranda: | ||
| Average total assets | $52,464,500 | 6,651 |
| Average earning assets | $48,836,500 | 6,598 |
| Average equity | $4,018,000 | 7,182 |
| Average total loans | $24,932,500 | 6,887 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6062% | 7,281 |
| Cost of funding earning assets | 1.3299% | 6,207 |
| Net interest margin | 3.2763% | 5,835 |
| Noninterest income to average assets | 0.2964% | 5,991 |
| Noninterest expense to average assets | 2.3609% | 6,569 |
| Loan and lease loss provision to assets | 0.3322% | 4,818 |
| Net operating income to assets | 0.6365% | 3,188 |
| Return on assets (ROA) | 0.7061% | 2,974 |
| Pretax return on assets | 0.7061% | 3,550 |
| Return on Equity (ROE) | 8.9714% | 2,033 |
| Retained earnings to average equity (ytd only) | 0.4296% | 4,668 |
| Net charge-offs to loans | 0.2844% | 4,853 |
| Credit loss provision to net charge-offs | 225.6757% | 1,656 |
| Earnings coverage of net charge-offs (x) | 6.5811% | 2,332 |
| Efficiency ratio | 70.9080% | 4,455 |
| Assets per employee ($millions) | 4.4707% | 2,979 |
| Cash dividends to net income (ytd only)* | 95.2113% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 5,212 |
| Loan loss allowance to noncurrent loans | 49.3088% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 1.5751% | 4,019 |
| Noncurrent loans to loans | 2.4842% | 3,059 |
| Net loans and leases to total assets | 48.2497% | 6,792 |
| Net loans and leases to deposits | 52.2486% | 7,143 |
| Net loans and leases to core deposits | 57.3438% | 7,362 |
| Total domestic deposits to total assets | 92.3464% | 209 |
| Equity capital to assets | 7.3889% | 7,130 |
| Core capital (leverage) ratio | 7.5405% | 6,752 |
| Tier 1 risk-based capital ratio | 12.3519% | 4,640 |
| Total risk-based capital ratio | 13.3937% | 4,783 |
| Memoranda: | ||
| Average total assets | $50,277,800 | 6,695 |
| Average earning assets | $46,546,000 | 6,662 |
| Average equity | $3,957,000 | 7,313 |
| Average total loans | $26,021,800 | 6,852 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7786% | 7,154 |
| Cost of funding earning assets | 1.4292% | 6,125 |
| Net interest margin | 3.3494% | 5,445 |
| Noninterest income to average assets | 0.3102% | 6,004 |
| Noninterest expense to average assets | 2.1577% | 7,087 |
| Loan and lease loss provision to assets | 0.3425% | 4,274 |
| Net operating income to assets | 0.9008% | 2,419 |
| Return on assets (ROA) | 0.9952% | 2,141 |
| Pretax return on assets | 0.9952% | 2,925 |
| Return on Equity (ROE) | 12.4389% | 1,256 |
| Retained earnings to average equity (ytd only) | 1.0449% | 4,732 |
| Net charge-offs to loans | 0.3850% | 3,724 |
| Credit loss provision to net charge-offs | 169.3333% | 2,757 |
| Earnings coverage of net charge-offs (x) | 6.1465% | 2,657 |
| Efficiency ratio | 63.4417% | 5,850 |
| Assets per employee ($millions) | 3.9571% | 3,812 |
| Cash dividends to net income (ytd only)* | 91.5994% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 5,826 |
| Loan loss allowance to noncurrent loans | 42.8135% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 1.9627% | 3,396 |
| Noncurrent loans to loans | 2.5284% | 2,983 |
| Net loans and leases to total assets | 53.8823% | 6,397 |
| Net loans and leases to deposits | 59.1078% | 6,894 |
| Net loans and leases to core deposits | 66.5263% | 7,137 |
| Total domestic deposits to total assets | 91.1593% | 358 |
| Equity capital to assets | 8.4027% | 6,381 |
| Core capital (leverage) ratio | 7.7911% | 6,618 |
| Tier 1 risk-based capital ratio | 13.0894% | 4,130 |
| Total risk-based capital ratio | 14.0488% | 4,265 |
| Memoranda: | ||
| Average total assets | $49,435,250 | 6,780 |
| Average earning assets | $45,619,000 | 6,753 |
| Average equity | $3,955,250 | 7,378 |
| Average total loans | $25,975,750 | 6,919 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7775% | 7,266 |
| Cost of funding earning assets | 1.4630% | 6,286 |
| Net interest margin | 3.3144% | 5,501 |
| Noninterest income to average assets | 0.3155% | 5,983 |
| Noninterest expense to average assets | 2.1523% | 7,166 |
| Loan and lease loss provision to assets | 0.0879% | 6,291 |
| Net operating income to assets | 1.1421% | 1,626 |
| Return on assets (ROA) | 1.1421% | 1,712 |
| Pretax return on assets | 1.1421% | 2,494 |
| Return on Equity (ROE) | 14.5043% | 905 |
| Retained earnings to average equity (ytd only) | -0.2029% | 5,273 |
| Net charge-offs to loans | -0.1615% | 8,010 |
| Credit loss provision to net charge-offs | -104.7619% | 6,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6364% | 5,973 |
| Assets per employee ($millions) | 3.8642% | 3,953 |
| Cash dividends to net income (ytd only)* | 101.3986% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 5,656 |
| Loan loss allowance to noncurrent loans | 48.6535% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 1.1088% | 4,739 |
| Noncurrent loans to loans | 2.2442% | 3,195 |
| Net loans and leases to total assets | 48.8673% | 6,967 |
| Net loans and leases to deposits | 53.3189% | 7,320 |
| Net loans and leases to core deposits | 60.5839% | 7,430 |
| Total domestic deposits to total assets | 91.6511% | 278 |
| Equity capital to assets | 7.8353% | 6,935 |
| Core capital (leverage) ratio | 7.5040% | 7,007 |
| Tier 1 risk-based capital ratio | 13.3533% | 3,898 |
| Total risk-based capital ratio | 14.3094% | 4,025 |
| Memoranda: | ||
| Average total assets | $50,085,330 | 6,826 |
| Average earning assets | $46,342,670 | 6,782 |
| Average equity | $3,943,670 | 7,437 |
| Average total loans | $26,012,330 | 6,967 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9164% | 7,133 |
| Cost of funding earning assets | 1.4870% | 6,447 |
| Net interest margin | 3.4295% | 5,013 |
| Noninterest income to average assets | 0.2639% | 6,340 |
| Noninterest expense to average assets | 2.0715% | 7,186 |
| Loan and lease loss provision to assets | 0.0800% | 5,950 |
| Net operating income to assets | 1.3037% | 1,374 |
| Return on assets (ROA) | 1.3037% | 1,472 |
| Pretax return on assets | 1.3037% | 2,270 |
| Return on Equity (ROE) | 16.5168% | 751 |
| Retained earnings to average equity (ytd only) | -1.9253% | 6,088 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9537% | 6,415 |
| Assets per employee ($millions) | 4.1293% | 3,404 |
| Cash dividends to net income (ytd only)* | 111.6564% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 6,749 |
| Loan loss allowance to noncurrent loans | 130.0546% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 6,400 |
| Noncurrent loans to loans | 0.6924% | 5,676 |
| Net loans and leases to total assets | 52.8596% | 6,596 |
| Net loans and leases to deposits | 57.6989% | 7,053 |
| Net loans and leases to core deposits | 64.6326% | 7,295 |
| Total domestic deposits to total assets | 91.6129% | 249 |
| Equity capital to assets | 7.9270% | 6,924 |
| Core capital (leverage) ratio | 7.5685% | 7,066 |
| Tier 1 risk-based capital ratio | 12.7034% | 4,392 |
| Total risk-based capital ratio | 13.5054% | 4,649 |
| Memoranda: | ||
| Average total assets | $50,011,000 | 6,867 |
| Average earning assets | $46,538,000 | 6,819 |
| Average equity | $3,947,500 | 7,477 |
| Average total loans | $26,609,000 | 6,969 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5470% | 7,198 |
| Cost of funding earning assets | 2.0312% | 6,316 |
| Net interest margin | 3.5158% | 5,247 |
| Noninterest income to average assets | 0.3532% | 5,905 |
| Noninterest expense to average assets | 2.2117% | 6,937 |
| Loan and lease loss provision to assets | 0.0818% | 6,364 |
| Net operating income to assets | 1.3287% | 1,407 |
| Return on assets (ROA) | 1.3287% | 1,363 |
| Pretax return on assets | 1.3287% | 2,209 |
| Return on Equity (ROE) | 16.6478% | 680 |
| Retained earnings to average equity (ytd only) | 2.9410% | 3,344 |
| Net charge-offs to loans | 0.0846% | 5,553 |
| Credit loss provision to net charge-offs | 180.9524% | 2,778 |
| Earnings coverage of net charge-offs (x) | 31.1905% | 1,137 |
| Efficiency ratio | 61.0583% | 6,147 |
| Assets per employee ($millions) | 4.2058% | 3,107 |
| Cash dividends to net income (ytd only)* | 82.3339% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 6,897 |
| Loan loss allowance to noncurrent loans | 41.5301% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 1.0878% | 4,114 |
| Noncurrent loans to loans | 2.0495% | 2,696 |
| Net loans and leases to total assets | 52.6233% | 6,784 |
| Net loans and leases to deposits | 57.3616% | 7,241 |
| Net loans and leases to core deposits | 65.0207% | 7,397 |
| Total domestic deposits to total assets | 91.7396% | 171 |
| Equity capital to assets | 7.8601% | 7,027 |
| Core capital (leverage) ratio | 7.9915% | 6,509 |
| Tier 1 risk-based capital ratio | 12.4860% | 4,449 |
| Total risk-based capital ratio | 13.2373% | 4,721 |
| Memoranda: | ||
| Average total assets | $46,434,800 | 6,921 |
| Average earning assets | $43,176,600 | 6,894 |
| Average equity | $3,706,200 | 7,604 |
| Average total loans | $24,817,400 | 7,038 |