Home > The Bank of Burlington > Performance and Condition Ratios
The Bank of Burlington, Performance and Condition Ratios
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7303% | 2,454 |
| Cost of funding earning assets | 0.3574% | 2,422 |
| Net interest margin | 3.3730% | 2,336 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 1.9737% | 3,653 |
| Loan and lease loss provision to assets | -0.3700% | 4,682 |
| Net operating income to assets | 1.2549% | 1,584 |
| Return on assets (ROA) | 1.2549% | 1,533 |
| Pretax return on assets | 1.2549% | 2,261 |
| Return on Equity (ROE) | 11.5500% | 2,286 |
| Retained earnings to average equity (ytd only) | 7.8519% | 1,897 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.9362% | 1,839 |
| Assets per employee ($millions) | 5.5879% | 3,138 |
| Cash dividends to net income (ytd only)* | 32.0388% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 3,590 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 46.5000% | 3,770 |
| Net loans and leases to deposits | 52.6250% | 3,758 |
| Net loans and leases to core deposits | 61.5697% | 3,416 |
| Total domestic deposits to total assets | 88.3600% | 1,944 |
| Equity capital to assets | 11.3114% | 1,139 |
| Core capital (leverage) ratio | 12.9113% | 963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $82,080,200 | 4,099 |
| Average earning assets | $63,801,400 | 4,221 |
| Average equity | $8,915,000 | 4,001 |
| Average total loans | $35,242,400 | 4,152 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5158% | 2,570 |
| Cost of funding earning assets | 0.2282% | 2,945 |
| Net interest margin | 3.2876% | 2,332 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.9909% | 3,507 |
| Loan and lease loss provision to assets | -0.4800% | 4,730 |
| Net operating income to assets | 1.2202% | 1,630 |
| Return on assets (ROA) | 1.2202% | 1,603 |
| Pretax return on assets | 1.2202% | 2,288 |
| Return on Equity (ROE) | 11.3500% | 2,251 |
| Retained earnings to average equity (ytd only) | 6.4191% | 2,587 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.9412% | 1,387 |
| Assets per employee ($millions) | 5.4943% | 3,228 |
| Cash dividends to net income (ytd only)* | 43.4211% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 3,852 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 50.0700% | 3,454 |
| Net loans and leases to deposits | 56.4964% | 3,441 |
| Net loans and leases to core deposits | 64.7693% | 3,051 |
| Total domestic deposits to total assets | 88.6300% | 2,240 |
| Equity capital to assets | 11.0140% | 1,172 |
| Core capital (leverage) ratio | 13.0876% | 877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $83,042,500 | 4,118 |
| Average earning assets | $63,103,500 | 4,260 |
| Average equity | $8,931,500 | 4,042 |
| Average total loans | $34,871,500 | 4,177 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3076% | 2,714 |
| Cost of funding earning assets | 0.2386% | 2,411 |
| Net interest margin | 3.0691% | 2,653 |
| Noninterest income to average assets | 0.2327% | 3,786 |
| Noninterest expense to average assets | 1.8899% | 3,731 |
| Loan and lease loss provision to assets | -0.7052% | 4,759 |
| Net operating income to assets | 1.2858% | 1,179 |
| Return on assets (ROA) | 1.2858% | 1,163 |
| Pretax return on assets | 1.2858% | 1,792 |
| Return on Equity (ROE) | 12.0423% | 1,660 |
| Retained earnings to average equity (ytd only) | 4.7773% | 2,789 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4986% | 1,221 |
| Assets per employee ($millions) | 5.0092% | 3,671 |
| Cash dividends to net income (ytd only)* | 60.3291% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8868% | 3,992 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 52.0589% | 3,150 |
| Net loans and leases to deposits | 59.1564% | 3,119 |
| Net loans and leases to core deposits | 67.2200% | 2,721 |
| Total domestic deposits to total assets | 88.0021% | 2,576 |
| Equity capital to assets | 11.6066% | 993 |
| Core capital (leverage) ratio | 12.1838% | 1,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,083,333 | 4,138 |
| Average earning assets | $62,038,333 | 4,322 |
| Average equity | $9,084,667 | 4,094 |
| Average total loans | $33,539,667 | 4,254 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0495% | 3,110 |
| Cost of funding earning assets | 0.2450% | 2,216 |
| Net interest margin | 2.8045% | 3,124 |
| Noninterest income to average assets | 0.2176% | 3,855 |
| Noninterest expense to average assets | 1.8389% | 3,842 |
| Loan and lease loss provision to assets | -1.3325% | 4,792 |
| Net operating income to assets | 1.6434% | 461 |
| Return on assets (ROA) | 1.6434% | 461 |
| Pretax return on assets | 1.6434% | 767 |
| Return on Equity (ROE) | 15.9715% | 539 |
| Retained earnings to average equity (ytd only) | 15.9715% | 235 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5372% | 761 |
| Assets per employee ($millions) | 5.3804% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 2,742 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 32.8230% | 4,343 |
| Net loans and leases to deposits | 42.4181% | 4,146 |
| Net loans and leases to core deposits | 47.9289% | 3,986 |
| Total domestic deposits to total assets | 77.3796% | 4,439 |
| Equity capital to assets | 10.6893% | 1,495 |
| Core capital (leverage) ratio | 11.6587% | 1,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,056,000 | 4,105 |
| Average earning assets | $62,043,000 | 4,347 |
| Average equity | $9,266,500 | 4,134 |
| Average total loans | $30,576,500 | 4,318 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2608% | 3,323 |
| Cost of funding earning assets | 0.3376% | 2,046 |
| Net interest margin | 2.9232% | 3,390 |
| Noninterest income to average assets | 0.8831% | 1,249 |
| Noninterest expense to average assets | 1.8897% | 3,944 |
| Loan and lease loss provision to assets | 0.0599% | 1,857 |
| Net operating income to assets | 0.9982% | 2,674 |
| Return on assets (ROA) | 0.9982% | 2,745 |
| Pretax return on assets | 0.9982% | 3,260 |
| Return on Equity (ROE) | 8.9524% | 2,929 |
| Retained earnings to average equity (ytd only) | 3.6003% | 3,383 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1057% | 2,554 |
| Assets per employee ($millions) | 5.5309% | 3,234 |
| Cash dividends to net income (ytd only)* | 59.7839% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9971% | 607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 33.9236% | 4,382 |
| Net loans and leases to deposits | 42.8666% | 4,233 |
| Net loans and leases to core deposits | 47.7743% | 4,101 |
| Total domestic deposits to total assets | 79.1377% | 4,304 |
| Equity capital to assets | 9.9239% | 2,732 |
| Core capital (leverage) ratio | 11.3419% | 1,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,453,400 | 4,172 |
| Average earning assets | $58,942,400 | 4,391 |
| Average equity | $9,304,800 | 4,210 |
| Average total loans | $36,657,000 | 4,256 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3410% | 3,275 |
| Cost of funding earning assets | 0.3600% | 2,022 |
| Net interest margin | 2.9810% | 3,354 |
| Noninterest income to average assets | 1.1302% | 891 |
| Noninterest expense to average assets | 1.9584% | 3,792 |
| Loan and lease loss provision to assets | 0.0829% | 1,431 |
| Net operating income to assets | 1.2341% | 2,043 |
| Return on assets (ROA) | 1.2341% | 2,112 |
| Pretax return on assets | 1.2341% | 2,823 |
| Return on Equity (ROE) | 10.7258% | 2,469 |
| Retained earnings to average equity (ytd only) | 3.5848% | 3,718 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7985% | 3,009 |
| Assets per employee ($millions) | 4.7248% | 3,944 |
| Cash dividends to net income (ytd only)* | 66.5775% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8545% | 832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 42.8269% | 4,036 |
| Net loans and leases to deposits | 56.6481% | 3,522 |
| Net loans and leases to core deposits | 65.1163% | 3,029 |
| Total domestic deposits to total assets | 75.6016% | 4,567 |
| Equity capital to assets | 11.6084% | 1,599 |
| Core capital (leverage) ratio | 12.1634% | 1,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,810,250 | 4,260 |
| Average earning assets | $58,144,750 | 4,467 |
| Average equity | $9,298,250 | 4,273 |
| Average total loans | $37,684,500 | 4,294 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2241% | 3,625 |
| Cost of funding earning assets | 0.3630% | 2,200 |
| Net interest margin | 2.8611% | 3,652 |
| Noninterest income to average assets | 1.5758% | 498 |
| Noninterest expense to average assets | 1.9957% | 3,714 |
| Loan and lease loss provision to assets | 0.1235% | 1,017 |
| Net operating income to assets | 1.5981% | 1,054 |
| Return on assets (ROA) | 1.5981% | 1,110 |
| Pretax return on assets | 1.5981% | 1,737 |
| Return on Equity (ROE) | 13.9295% | 1,430 |
| Retained earnings to average equity (ytd only) | 3.2079% | 3,774 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6877% | 3,841 |
| Assets per employee ($millions) | 4.7530% | 3,880 |
| Cash dividends to net income (ytd only)* | 76.9706% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 1,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 46.5440% | 3,864 |
| Net loans and leases to deposits | 61.3678% | 3,266 |
| Net loans and leases to core deposits | 71.7655% | 2,624 |
| Total domestic deposits to total assets | 75.8444% | 4,569 |
| Equity capital to assets | 11.4219% | 1,681 |
| Core capital (leverage) ratio | 11.7589% | 1,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,973,333 | 4,275 |
| Average earning assets | $60,607,000 | 4,465 |
| Average equity | $9,289,667 | 4,292 |
| Average total loans | $38,563,000 | 4,312 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3552% | 3,325 |
| Cost of funding earning assets | 0.3779% | 2,287 |
| Net interest margin | 2.9774% | 3,321 |
| Noninterest income to average assets | 2.0429% | 361 |
| Noninterest expense to average assets | 1.8505% | 4,107 |
| Loan and lease loss provision to assets | 0.2467% | 434 |
| Net operating income to assets | 2.2009% | 416 |
| Return on assets (ROA) | 2.2009% | 452 |
| Pretax return on assets | 2.2009% | 685 |
| Return on Equity (ROE) | 19.1416% | 611 |
| Retained earnings to average equity (ytd only) | 19.1416% | 311 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0540% | 4,628 |
| Assets per employee ($millions) | 5.0840% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7708% | 917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 41.7191% | 4,247 |
| Net loans and leases to deposits | 54.2406% | 3,921 |
| Net loans and leases to core deposits | 62.5805% | 3,535 |
| Total domestic deposits to total assets | 76.9149% | 4,524 |
| Equity capital to assets | 11.0138% | 1,849 |
| Core capital (leverage) ratio | 12.7070% | 923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,059,500 | 4,292 |
| Average earning assets | $61,396,500 | 4,472 |
| Average equity | $9,320,000 | 4,292 |
| Average total loans | $38,715,500 | 4,325 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0661% | 2,527 |
| Cost of funding earning assets | 0.5552% | 2,579 |
| Net interest margin | 3.5109% | 2,439 |
| Noninterest income to average assets | 0.7019% | 1,859 |
| Noninterest expense to average assets | 2.1353% | 3,856 |
| Loan and lease loss provision to assets | 0.1407% | 2,597 |
| Net operating income to assets | 1.1211% | 1,832 |
| Return on assets (ROA) | 1.1211% | 1,957 |
| Pretax return on assets | 1.1211% | 2,616 |
| Return on Equity (ROE) | 8.9605% | 2,407 |
| Retained earnings to average equity (ytd only) | 5.2504% | 2,162 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8571% | 3,003 |
| Assets per employee ($millions) | 4.4524% | 3,966 |
| Cash dividends to net income (ytd only)* | 41.4053% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 1,677 |
| 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 | 53.0103% | 3,578 |
| Net loans and leases to deposits | 71.2391% | 2,763 |
| Net loans and leases to core deposits | 84.4698% | 1,995 |
| Total domestic deposits to total assets | 74.4118% | 4,615 |
| Equity capital to assets | 12.0503% | 1,544 |
| Core capital (leverage) ratio | 12.2521% | 1,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,089,800 | 4,367 |
| Average earning assets | $54,573,400 | 4,520 |
| Average equity | $8,894,600 | 4,330 |
| Average total loans | $38,306,200 | 4,345 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1440% | 2,540 |
| Cost of funding earning assets | 0.5769% | 2,758 |
| Net interest margin | 3.5671% | 2,370 |
| Noninterest income to average assets | 0.8274% | 1,401 |
| Noninterest expense to average assets | 2.1771% | 3,737 |
| Loan and lease loss provision to assets | 0.1902% | 2,087 |
| Net operating income to assets | 1.2182% | 1,584 |
| Return on assets (ROA) | 1.2182% | 1,706 |
| Pretax return on assets | 1.2182% | 2,333 |
| Return on Equity (ROE) | 9.6399% | 2,157 |
| Retained earnings to average equity (ytd only) | 4.6616% | 2,714 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7124% | 3,272 |
| Assets per employee ($millions) | 4.6109% | 3,713 |
| Cash dividends to net income (ytd only)* | 51.6432% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4582% | 1,507 |
| 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 | 54.9597% | 3,715 |
| Net loans and leases to deposits | 71.7171% | 3,160 |
| Net loans and leases to core deposits | 84.0471% | 2,470 |
| Total domestic deposits to total assets | 76.6340% | 4,368 |
| Equity capital to assets | 12.1859% | 1,580 |
| Core capital (leverage) ratio | 12.1825% | 1,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,939,500 | 4,394 |
| Average earning assets | $54,085,000 | 4,544 |
| Average equity | $8,838,000 | 4,349 |
| Average total loans | $37,701,750 | 4,378 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2356% | 2,651 |
| Cost of funding earning assets | 0.5849% | 3,045 |
| Net interest margin | 3.6507% | 2,313 |
| Noninterest income to average assets | 1.0807% | 852 |
| Noninterest expense to average assets | 2.2254% | 3,708 |
| Loan and lease loss provision to assets | 0.2913% | 1,476 |
| Net operating income to assets | 1.4186% | 1,071 |
| Return on assets (ROA) | 1.4186% | 1,161 |
| Pretax return on assets | 1.4186% | 1,682 |
| Return on Equity (ROE) | 11.0841% | 1,602 |
| Retained earnings to average equity (ytd only) | 3.5733% | 3,142 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5507% | 3,879 |
| Assets per employee ($millions) | 4.6103% | 3,632 |
| Cash dividends to net income (ytd only)* | 67.7618% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 1,569 |
| 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 | 57.1363% | 3,591 |
| Net loans and leases to deposits | 74.4024% | 3,037 |
| Net loans and leases to core deposits | 85.3434% | 2,493 |
| Total domestic deposits to total assets | 76.7936% | 4,343 |
| Equity capital to assets | 12.0126% | 1,649 |
| Core capital (leverage) ratio | 13.1318% | 966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,661,333 | 4,421 |
| Average earning assets | $53,687,667 | 4,558 |
| Average equity | $8,787,333 | 4,364 |
| Average total loans | $36,553,667 | 4,416 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5014% | 2,307 |
| Cost of funding earning assets | 0.6089% | 3,387 |
| Net interest margin | 3.8925% | 1,693 |
| Noninterest income to average assets | 0.2904% | 3,787 |
| Noninterest expense to average assets | 2.1600% | 4,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1859% | 1,561 |
| Return on assets (ROA) | 1.1859% | 1,678 |
| Pretax return on assets | 1.1859% | 2,242 |
| Return on Equity (ROE) | 8.9595% | 2,127 |
| Retained earnings to average equity (ytd only) | 8.9595% | 987 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5570% | 3,140 |
| Assets per employee ($millions) | 4.1064% | 3,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5235% | 1,266 |
| 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 | 49.1918% | 4,280 |
| Net loans and leases to deposits | 63.0105% | 4,033 |
| Net loans and leases to core deposits | 73.9436% | 3,636 |
| Total domestic deposits to total assets | 78.0692% | 4,210 |
| Equity capital to assets | 13.5034% | 1,217 |
| Core capital (leverage) ratio | 14.4269% | 812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,110,000 | 4,466 |
| Average earning assets | $51,894,500 | 4,604 |
| Average equity | $8,750,500 | 4,391 |
| Average total loans | $33,457,500 | 4,520 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0393% | 4,167 |
| Cost of funding earning assets | 0.5442% | 3,903 |
| Net interest margin | 3.4951% | 3,459 |
| Noninterest income to average assets | 0.4441% | 3,034 |
| Noninterest expense to average assets | 2.0566% | 4,437 |
| Loan and lease loss provision to assets | 0.0796% | 2,404 |
| Net operating income to assets | 1.2114% | 2,015 |
| Return on assets (ROA) | 1.2114% | 2,107 |
| Pretax return on assets | 1.2114% | 2,799 |
| Return on Equity (ROE) | 9.0801% | 2,716 |
| Retained earnings to average equity (ytd only) | 5.1426% | 2,346 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4360% | 3,469 |
| Assets per employee ($millions) | 4.7513% | 2,893 |
| Cash dividends to net income (ytd only)* | 43.3640% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 1,319 |
| 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 | 50.5051% | 4,308 |
| Net loans and leases to deposits | 63.7900% | 4,085 |
| Net loans and leases to core deposits | 73.5136% | 3,758 |
| Total domestic deposits to total assets | 79.1741% | 4,153 |
| Equity capital to assets | 12.9724% | 1,545 |
| Core capital (leverage) ratio | 13.8606% | 963 |
| Tier 1 risk-based capital ratio | 19.6739% | 1,376 |
| Total risk-based capital ratio | 20.8204% | 1,365 |
| Memoranda: | ||
| Average total assets | $62,821,800 | 4,552 |
| Average earning assets | $52,187,800 | 4,640 |
| Average equity | $8,381,000 | 4,462 |
| Average total loans | $30,573,200 | 4,629 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0337% | 4,294 |
| Cost of funding earning assets | 0.5399% | 3,981 |
| Net interest margin | 3.4938% | 3,579 |
| Noninterest income to average assets | 0.4933% | 2,774 |
| Noninterest expense to average assets | 2.0270% | 4,498 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3657% | 1,590 |
| Return on assets (ROA) | 1.3657% | 1,657 |
| Pretax return on assets | 1.3657% | 2,437 |
| Return on Equity (ROE) | 10.1612% | 2,368 |
| Retained earnings to average equity (ytd only) | 4.8722% | 2,950 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7460% | 3,690 |
| Assets per employee ($millions) | 5.0037% | 2,563 |
| Cash dividends to net income (ytd only)* | 52.0507% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5243% | 1,184 |
| 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 | 44.6916% | 4,671 |
| Net loans and leases to deposits | 56.6322% | 4,531 |
| Net loans and leases to core deposits | 66.2300% | 4,263 |
| Total domestic deposits to total assets | 78.9156% | 4,201 |
| Equity capital to assets | 13.0657% | 1,594 |
| Core capital (leverage) ratio | 14.2287% | 925 |
| Tier 1 risk-based capital ratio | 20.5036% | 1,284 |
| Total risk-based capital ratio | 21.5953% | 1,274 |
| Memoranda: | ||
| Average total assets | $61,897,750 | 4,625 |
| Average earning assets | $51,365,500 | 4,718 |
| Average equity | $8,319,000 | 4,521 |
| Average total loans | $29,692,750 | 4,710 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0202% | 4,334 |
| Cost of funding earning assets | 0.4996% | 4,115 |
| Net interest margin | 3.5206% | 3,529 |
| Noninterest income to average assets | 0.5982% | 2,165 |
| Noninterest expense to average assets | 2.0346% | 4,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5054% | 1,138 |
| Return on assets (ROA) | 1.5054% | 1,190 |
| Pretax return on assets | 1.5054% | 1,843 |
| Return on Equity (ROE) | 11.0909% | 1,942 |
| Retained earnings to average equity (ytd only) | 3.0996% | 3,672 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4745% | 4,074 |
| Assets per employee ($millions) | 4.8858% | 2,619 |
| Cash dividends to net income (ytd only)* | 72.0524% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 1,524 |
| 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 | 49.1419% | 4,514 |
| Net loans and leases to deposits | 62.4572% | 4,310 |
| Net loans and leases to core deposits | 72.8578% | 3,954 |
| Total domestic deposits to total assets | 78.6810% | 4,281 |
| Equity capital to assets | 13.0928% | 1,549 |
| Core capital (leverage) ratio | 14.0183% | 954 |
| Tier 1 risk-based capital ratio | 20.4740% | 1,260 |
| Total risk-based capital ratio | 21.5873% | 1,250 |
| Memoranda: | ||
| Average total assets | $60,847,670 | 4,679 |
| Average earning assets | $50,843,000 | 4,764 |
| Average equity | $8,259,000 | 4,549 |
| Average total loans | $29,750,000 | 4,746 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0728% | 4,201 |
| Cost of funding earning assets | 0.4829% | 4,142 |
| Net interest margin | 3.5899% | 3,285 |
| Noninterest income to average assets | 0.2957% | 3,900 |
| Noninterest expense to average assets | 2.0970% | 4,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1964% | 2,071 |
| Return on assets (ROA) | 1.1964% | 2,117 |
| Pretax return on assets | 1.1964% | 2,816 |
| Return on Equity (ROE) | 8.6508% | 2,969 |
| Retained earnings to average equity (ytd only) | 8.6508% | 1,433 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6735% | 3,290 |
| Assets per employee ($millions) | 5.0784% | 2,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5646% | 1,144 |
| 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 | 46.4564% | 4,649 |
| Net loans and leases to deposits | 60.1057% | 4,402 |
| Net loans and leases to core deposits | 67.9964% | 4,179 |
| Total domestic deposits to total assets | 77.2912% | 4,623 |
| Equity capital to assets | 13.6739% | 1,139 |
| Core capital (leverage) ratio | 15.0611% | 684 |
| Tier 1 risk-based capital ratio | 21.8763% | 1,066 |
| Total risk-based capital ratio | 23.0585% | 1,053 |
| Memoranda: | ||
| Average total assets | $59,513,500 | 4,754 |
| Average earning assets | $49,695,500 | 4,832 |
| Average equity | $8,230,500 | 4,587 |
| Average total loans | $28,793,500 | 4,818 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1250% | 3,664 |
| Cost of funding earning assets | 0.4310% | 3,795 |
| Net interest margin | 3.6940% | 3,051 |
| Noninterest income to average assets | 0.2850% | 4,196 |
| Noninterest expense to average assets | 2.1807% | 4,383 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1381% | 2,439 |
| Return on assets (ROA) | 1.1381% | 2,440 |
| Pretax return on assets | 1.1381% | 3,141 |
| Return on Equity (ROE) | 8.0858% | 3,395 |
| Retained earnings to average equity (ytd only) | 3.9360% | 3,409 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7067% | 2,912 |
| Assets per employee ($millions) | 4.8405% | 2,684 |
| Cash dividends to net income (ytd only)* | 51.3219% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 1,115 |
| 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 | 48.8517% | 4,588 |
| Net loans and leases to deposits | 63.3916% | 4,284 |
| Net loans and leases to core deposits | 71.5373% | 4,026 |
| Total domestic deposits to total assets | 77.0633% | 4,620 |
| Equity capital to assets | 13.9930% | 971 |
| Core capital (leverage) ratio | 15.1009% | 674 |
| Tier 1 risk-based capital ratio | 21.5083% | 1,094 |
| Total risk-based capital ratio | 22.6962% | 1,082 |
| Memoranda: | ||
| Average total assets | $56,496,200 | 4,823 |
| Average earning assets | $46,399,600 | 4,924 |
| Average equity | $7,952,200 | 4,613 |
| Average total loans | $29,642,200 | 4,826 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1148% | 3,581 |
| Cost of funding earning assets | 0.4173% | 3,742 |
| Net interest margin | 3.6975% | 3,031 |
| Noninterest income to average assets | 0.2781% | 4,291 |
| Noninterest expense to average assets | 2.1699% | 4,389 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1408% | 2,486 |
| Return on assets (ROA) | 1.1408% | 2,498 |
| Pretax return on assets | 1.1408% | 3,237 |
| Return on Equity (ROE) | 8.0926% | 3,511 |
| Retained earnings to average equity (ytd only) | 2.5290% | 4,389 |
| Net charge-offs to loans | 0.1653% | 1,001 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 12.9734% | 2,407 |
| Efficiency ratio | 65.5420% | 2,952 |
| Assets per employee ($millions) | 4.7919% | 2,733 |
| Cash dividends to net income (ytd only)* | 68.7506% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4276% | 1,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 49.5922% | 4,624 |
| Net loans and leases to deposits | 64.2796% | 4,313 |
| Net loans and leases to core deposits | 72.5937% | 4,036 |
| Total domestic deposits to total assets | 77.1508% | 4,619 |
| Equity capital to assets | 13.8097% | 1,021 |
| Core capital (leverage) ratio | 14.9970% | 706 |
| Tier 1 risk-based capital ratio | 21.1473% | 1,166 |
| Total risk-based capital ratio | 22.2411% | 1,164 |
| Memoranda: | ||
| Average total assets | $56,098,750 | 4,884 |
| Average earning assets | $46,012,000 | 4,987 |
| Average equity | $7,908,250 | 4,668 |
| Average total loans | $29,846,250 | 4,876 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1438% | 3,300 |
| Cost of funding earning assets | 0.4126% | 3,623 |
| Net interest margin | 3.7312% | 2,820 |
| Noninterest income to average assets | 0.2876% | 4,258 |
| Noninterest expense to average assets | 2.1715% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1720% | 2,305 |
| Return on assets (ROA) | 1.1720% | 2,306 |
| Pretax return on assets | 1.1720% | 3,042 |
| Return on Equity (ROE) | 8.2560% | 3,388 |
| Retained earnings to average equity (ytd only) | -0.1013% | 4,972 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9462% | 3,167 |
| Assets per employee ($millions) | 4.7377% | 2,770 |
| Cash dividends to net income (ytd only)* | 101.2270% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6063% | 1,093 |
| 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 | 48.4855% | 4,695 |
| Net loans and leases to deposits | 62.8764% | 4,363 |
| Net loans and leases to core deposits | 70.6107% | 4,112 |
| Total domestic deposits to total assets | 77.1125% | 4,724 |
| Equity capital to assets | 13.7462% | 1,014 |
| Core capital (leverage) ratio | 14.1995% | 853 |
| Tier 1 risk-based capital ratio | 20.5918% | 1,231 |
| Total risk-based capital ratio | 21.7775% | 1,218 |
| Memoranda: | ||
| Average total assets | $55,630,670 | 4,950 |
| Average earning assets | $45,561,670 | 5,055 |
| Average equity | $7,897,330 | 4,714 |
| Average total loans | $30,151,670 | 4,923 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2190% | 2,825 |
| Cost of funding earning assets | 0.3575% | 3,928 |
| Net interest margin | 3.8615% | 2,190 |
| Noninterest income to average assets | 0.3272% | 3,964 |
| Noninterest expense to average assets | 2.2174% | 4,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2505% | 1,805 |
| Return on assets (ROA) | 1.2505% | 1,817 |
| Pretax return on assets | 1.2505% | 2,549 |
| Return on Equity (ROE) | 8.6666% | 3,077 |
| Retained earnings to average equity (ytd only) | 8.6666% | 1,593 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9413% | 3,489 |
| Assets per employee ($millions) | 4.8769% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 1,394 |
| 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 | 49.8231% | 4,569 |
| Net loans and leases to deposits | 64.3097% | 4,198 |
| Net loans and leases to core deposits | 71.3119% | 4,014 |
| Total domestic deposits to total assets | 77.4738% | 4,806 |
| Equity capital to assets | 13.6835% | 984 |
| Core capital (leverage) ratio | 15.2934% | 593 |
| Tier 1 risk-based capital ratio | 20.1983% | 1,310 |
| Total risk-based capital ratio | 21.3334% | 1,299 |
| Memoranda: | ||
| Average total assets | $55,020,000 | 5,021 |
| Average earning assets | $44,750,000 | 5,136 |
| Average equity | $7,938,500 | 4,756 |
| Average total loans | $31,220,000 | 4,942 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3504% | 2,177 |
| Cost of funding earning assets | 0.2519% | 4,542 |
| Net interest margin | 4.0984% | 1,445 |
| Noninterest income to average assets | 0.3254% | 4,140 |
| Noninterest expense to average assets | 2.2986% | 4,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3700% | 1,074 |
| Return on assets (ROA) | 1.3700% | 1,095 |
| Pretax return on assets | 1.3700% | 2,097 |
| Return on Equity (ROE) | 9.3902% | 2,143 |
| Retained earnings to average equity (ytd only) | 5.9471% | 1,576 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6556% | 3,836 |
| Assets per employee ($millions) | 4.2931% | 3,493 |
| Cash dividends to net income (ytd only)* | 36.6667% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3706% | 1,881 |
| 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 | 62.8569% | 3,499 |
| Net loans and leases to deposits | 74.4688% | 3,478 |
| Net loans and leases to core deposits | 80.9651% | 3,340 |
| Total domestic deposits to total assets | 84.4071% | 3,066 |
| Equity capital to assets | 15.2746% | 629 |
| Core capital (leverage) ratio | 15.2071% | 589 |
| Tier 1 risk-based capital ratio | 18.2498% | 1,727 |
| Total risk-based capital ratio | 19.2980% | 1,738 |
| Memoranda: | ||
| Average total assets | $52,554,600 | 5,110 |
| Average earning assets | $42,870,000 | 5,212 |
| Average equity | $7,667,600 | 4,833 |
| Average total loans | $31,012,800 | 5,002 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2537% | 2,418 |
| Cost of funding earning assets | 0.2314% | 4,732 |
| Net interest margin | 4.0223% | 1,624 |
| Noninterest income to average assets | 0.3181% | 4,263 |
| Noninterest expense to average assets | 2.2746% | 4,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3355% | 1,236 |
| Return on assets (ROA) | 1.3355% | 1,265 |
| Pretax return on assets | 1.3355% | 2,343 |
| Return on Equity (ROE) | 9.2595% | 2,465 |
| Retained earnings to average equity (ytd only) | 4.6384% | 3,119 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0070% | 3,707 |
| Assets per employee ($millions) | 4.2120% | 3,623 |
| Cash dividends to net income (ytd only)* | 49.9050% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 1,700 |
| 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 | 60.4938% | 3,807 |
| Net loans and leases to deposits | 71.6955% | 3,803 |
| Net loans and leases to core deposits | 77.7106% | 3,664 |
| Total domestic deposits to total assets | 84.3760% | 2,966 |
| Equity capital to assets | 15.3094% | 672 |
| Core capital (leverage) ratio | 15.1002% | 642 |
| Tier 1 risk-based capital ratio | 18.2434% | 1,791 |
| Total risk-based capital ratio | 19.3174% | 1,791 |
| Memoranda: | ||
| Average total assets | $52,814,000 | 5,159 |
| Average earning assets | $43,224,250 | 5,261 |
| Average equity | $7,617,250 | 4,888 |
| Average total loans | $30,558,000 | 5,061 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1692% | 2,586 |
| Cost of funding earning assets | 0.2187% | 4,810 |
| Net interest margin | 3.9505% | 1,774 |
| Noninterest income to average assets | 0.3435% | 4,090 |
| Noninterest expense to average assets | 2.2251% | 4,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3552% | 1,163 |
| Return on assets (ROA) | 1.3552% | 1,189 |
| Pretax return on assets | 1.3552% | 2,186 |
| Return on Equity (ROE) | 9.5816% | 2,228 |
| Retained earnings to average equity (ytd only) | 2.6132% | 4,135 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1481% | 3,968 |
| Assets per employee ($millions) | 4.2300% | 3,561 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 1,757 |
| 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 | 60.2206% | 3,824 |
| Net loans and leases to deposits | 71.0983% | 3,817 |
| Net loans and leases to core deposits | 77.0014% | 3,683 |
| Total domestic deposits to total assets | 84.7006% | 2,935 |
| Equity capital to assets | 14.9823% | 705 |
| Core capital (leverage) ratio | 14.2479% | 793 |
| Tier 1 risk-based capital ratio | 17.9816% | 1,860 |
| Total risk-based capital ratio | 19.0636% | 1,870 |
| Memoranda: | ||
| Average total assets | $53,570,670 | 5,181 |
| Average earning assets | $43,893,670 | 5,289 |
| Average equity | $7,577,000 | 4,916 |
| Average total loans | $30,402,000 | 5,101 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0336% | 2,917 |
| Cost of funding earning assets | 0.1950% | 5,022 |
| Net interest margin | 3.8386% | 1,990 |
| Noninterest income to average assets | 0.3638% | 3,930 |
| Noninterest expense to average assets | 2.1828% | 4,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3315% | 1,164 |
| Return on assets (ROA) | 1.3315% | 1,193 |
| Pretax return on assets | 1.3315% | 2,131 |
| Return on Equity (ROE) | 9.6787% | 2,108 |
| Retained earnings to average equity (ytd only) | 9.6787% | 887 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1118% | 4,133 |
| Assets per employee ($millions) | 4.7548% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5150% | 1,645 |
| 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 | 51.2698% | 4,569 |
| Net loans and leases to deposits | 59.4042% | 4,607 |
| Net loans and leases to core deposits | 63.6571% | 4,556 |
| Total domestic deposits to total assets | 86.3067% | 2,533 |
| Equity capital to assets | 13.4515% | 1,088 |
| Core capital (leverage) ratio | 14.1314% | 805 |
| Tier 1 risk-based capital ratio | 17.9970% | 1,877 |
| Total risk-based capital ratio | 19.0680% | 1,882 |
| Memoranda: | ||
| Average total assets | $54,976,000 | 5,209 |
| Average earning assets | $45,120,500 | 5,316 |
| Average equity | $7,563,000 | 4,961 |
| Average total loans | $30,094,000 | 5,157 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8961% | 3,584 |
| Cost of funding earning assets | 0.1612% | 5,350 |
| Net interest margin | 3.7349% | 2,557 |
| Noninterest income to average assets | 0.3586% | 4,173 |
| Noninterest expense to average assets | 2.2091% | 4,754 |
| Loan and lease loss provision to assets | 0.0450% | 3,485 |
| Net operating income to assets | 1.0685% | 2,042 |
| Return on assets (ROA) | 1.1244% | 1,884 |
| Pretax return on assets | 1.1244% | 3,000 |
| Return on Equity (ROE) | 8.4599% | 2,698 |
| Retained earnings to average equity (ytd only) | 4.6773% | 2,561 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4859% | 3,513 |
| Assets per employee ($millions) | 4.4079% | 3,261 |
| Cash dividends to net income (ytd only)* | 44.7115% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4761% | 1,772 |
| 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 | 56.7823% | 4,193 |
| Net loans and leases to deposits | 66.2688% | 4,222 |
| Net loans and leases to core deposits | 70.5577% | 4,194 |
| Total domestic deposits to total assets | 85.6848% | 2,736 |
| Equity capital to assets | 14.0864% | 859 |
| Core capital (leverage) ratio | 13.6423% | 919 |
| Tier 1 risk-based capital ratio | 17.9045% | 1,876 |
| Total risk-based capital ratio | 18.9964% | 1,886 |
| Memoranda: | ||
| Average total assets | $55,497,800 | 5,237 |
| Average earning assets | $44,044,400 | 5,375 |
| Average equity | $7,376,000 | 5,030 |
| Average total loans | $26,375,200 | 5,307 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8700% | 3,696 |
| Cost of funding earning assets | 0.1536% | 5,467 |
| Net interest margin | 3.7164% | 2,655 |
| Noninterest income to average assets | 0.3538% | 4,256 |
| Noninterest expense to average assets | 2.1989% | 4,774 |
| Loan and lease loss provision to assets | 0.0594% | 3,070 |
| Net operating income to assets | 1.0258% | 2,315 |
| Return on assets (ROA) | 1.0994% | 2,099 |
| Pretax return on assets | 1.0994% | 3,236 |
| Return on Equity (ROE) | 8.3906% | 2,812 |
| Retained earnings to average equity (ytd only) | 6.3246% | 1,997 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9559% | 3,432 |
| Assets per employee ($millions) | 4.4779% | 3,122 |
| Cash dividends to net income (ytd only)* | 24.6226% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6880% | 1,242 |
| 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 | 48.7727% | 4,905 |
| Net loans and leases to deposits | 56.9677% | 4,935 |
| Net loans and leases to core deposits | 60.5909% | 4,902 |
| Total domestic deposits to total assets | 85.6146% | 2,550 |
| Equity capital to assets | 14.1658% | 979 |
| Core capital (leverage) ratio | 14.0074% | 846 |
| Tier 1 risk-based capital ratio | 19.1289% | 1,645 |
| Total risk-based capital ratio | 20.2948% | 1,618 |
| Memoranda: | ||
| Average total assets | $56,148,500 | 5,277 |
| Average earning assets | $44,270,750 | 5,430 |
| Average equity | $7,357,250 | 5,081 |
| Average total loans | $25,347,750 | 5,393 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 3,692 |
| Cost of funding earning assets | 0.1455% | 5,579 |
| Net interest margin | 3.7259% | 2,590 |
| Noninterest income to average assets | 0.3793% | 4,030 |
| Noninterest expense to average assets | 2.2018% | 4,838 |
| Loan and lease loss provision to assets | 0.0878% | 2,390 |
| Net operating income to assets | 1.0570% | 2,143 |
| Return on assets (ROA) | 1.1659% | 1,818 |
| Pretax return on assets | 1.1659% | 2,923 |
| Return on Equity (ROE) | 9.1305% | 2,439 |
| Retained earnings to average equity (ytd only) | 5.9953% | 2,118 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7922% | 3,710 |
| Assets per employee ($millions) | 4.4518% | 3,120 |
| Cash dividends to net income (ytd only)* | 34.3373% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8446% | 992 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 44.8251% | 5,182 |
| Net loans and leases to deposits | 52.2132% | 5,240 |
| Net loans and leases to core deposits | 54.9044% | 5,231 |
| Total domestic deposits to total assets | 85.8501% | 2,490 |
| Equity capital to assets | 13.9177% | 1,057 |
| Core capital (leverage) ratio | 13.4941% | 983 |
| Tier 1 risk-based capital ratio | 20.2819% | 1,391 |
| Total risk-based capital ratio | 21.5404% | 1,364 |
| Memoranda: | ||
| Average total assets | $56,953,000 | 5,315 |
| Average earning assets | $45,358,000 | 5,469 |
| Average equity | $7,272,330 | 5,145 |
| Average total loans | $24,911,000 | 5,466 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8938% | 3,611 |
| Cost of funding earning assets | 0.1458% | 5,639 |
| Net interest margin | 3.7480% | 2,488 |
| Noninterest income to average assets | 0.4224% | 3,668 |
| Noninterest expense to average assets | 2.2207% | 4,858 |
| Loan and lease loss provision to assets | 0.1703% | 1,211 |
| Net operating income to assets | 1.0082% | 2,239 |
| Return on assets (ROA) | 1.2330% | 1,550 |
| Pretax return on assets | 1.2330% | 2,569 |
| Return on Equity (ROE) | 10.0681% | 1,957 |
| Retained earnings to average equity (ytd only) | 10.0681% | 832 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3307% | 3,913 |
| Assets per employee ($millions) | 4.0875% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7599% | 1,224 |
| 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 | 47.2721% | 5,022 |
| Net loans and leases to deposits | 54.9506% | 5,040 |
| Net loans and leases to core deposits | 57.1328% | 5,084 |
| Total domestic deposits to total assets | 86.0267% | 2,659 |
| Equity capital to assets | 13.7776% | 1,061 |
| Core capital (leverage) ratio | 12.1894% | 1,501 |
| Tier 1 risk-based capital ratio | 19.3884% | 1,635 |
| Total risk-based capital ratio | 20.5976% | 1,613 |
| Memoranda: | ||
| Average total assets | $58,719,000 | 5,319 |
| Average earning assets | $46,638,500 | 5,477 |
| Average equity | $7,191,000 | 5,190 |
| Average total loans | $25,168,500 | 5,505 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8892% | 5,819 |
| Cost of funding earning assets | 0.0764% | 6,048 |
| Net interest margin | 2.8128% | 5,484 |
| Noninterest income to average assets | 0.2648% | 4,981 |
| Noninterest expense to average assets | 1.8057% | 5,725 |
| Loan and lease loss provision to assets | 0.3292% | 486 |
| Net operating income to assets | 0.5015% | 4,691 |
| Return on assets (ROA) | 0.9680% | 2,610 |
| Pretax return on assets | 0.9680% | 3,586 |
| Return on Equity (ROE) | 9.8262% | 2,073 |
| Retained earnings to average equity (ytd only) | -2.2895% | 5,772 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4910% | 3,480 |
| Assets per employee ($millions) | 4.5929% | 2,887 |
| Cash dividends to net income (ytd only)* | 123.2996% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 1,323 |
| 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 | 37.8579% | 5,631 |
| Net loans and leases to deposits | 42.5964% | 5,689 |
| Net loans and leases to core deposits | 43.9373% | 5,717 |
| Total domestic deposits to total assets | 88.8758% | 1,188 |
| Equity capital to assets | 10.9812% | 2,844 |
| Core capital (leverage) ratio | 10.3522% | 3,102 |
| Tier 1 risk-based capital ratio | 19.2412% | 1,646 |
| Total risk-based capital ratio | 20.4038% | 1,624 |
| Memoranda: | ||
| Average total assets | $71,386,800 | 5,059 |
| Average earning assets | $60,188,800 | 5,182 |
| Average equity | $7,032,200 | 5,234 |
| Average total loans | $18,905,200 | 5,766 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7458% | 5,995 |
| Cost of funding earning assets | 0.0683% | 6,158 |
| Net interest margin | 2.6775% | 5,747 |
| Noninterest income to average assets | 0.2442% | 5,185 |
| Noninterest expense to average assets | 1.7459% | 5,856 |
| Loan and lease loss provision to assets | 0.2551% | 665 |
| Net operating income to assets | 0.5303% | 4,676 |
| Return on assets (ROA) | 0.9149% | 2,976 |
| Pretax return on assets | 0.9149% | 3,935 |
| Return on Equity (ROE) | 9.5277% | 2,306 |
| Retained earnings to average equity (ytd only) | -6.6428% | 6,069 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9705% | 3,382 |
| Assets per employee ($millions) | 5.3271% | 1,931 |
| Cash dividends to net income (ytd only)* | 169.7200% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 1,955 |
| 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 | 28.0397% | 6,026 |
| Net loans and leases to deposits | 31.0184% | 6,063 |
| Net loans and leases to core deposits | 31.7113% | 6,073 |
| Total domestic deposits to total assets | 90.3969% | 425 |
| Equity capital to assets | 9.4891% | 4,764 |
| Core capital (leverage) ratio | 9.6633% | 4,087 |
| Tier 1 risk-based capital ratio | 19.0679% | 1,756 |
| Total risk-based capital ratio | 19.9872% | 1,803 |
| Memoranda: | ||
| Average total assets | $73,158,250 | 5,073 |
| Average earning assets | $62,493,750 | 5,182 |
| Average equity | $7,025,000 | 5,306 |
| Average total loans | $17,439,500 | 5,883 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7264% | 6,063 |
| Cost of funding earning assets | 0.0636% | 6,243 |
| Net interest margin | 2.6628% | 5,808 |
| Noninterest income to average assets | 0.2614% | 5,081 |
| Noninterest expense to average assets | 1.7170% | 5,949 |
| Loan and lease loss provision to assets | 0.1101% | 1,996 |
| Net operating income to assets | 0.7374% | 3,702 |
| Return on assets (ROA) | 0.9328% | 2,838 |
| Pretax return on assets | 0.9328% | 3,832 |
| Return on Equity (ROE) | 9.6751% | 2,218 |
| Retained earnings to average equity (ytd only) | -14.6411% | 6,229 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9528% | 3,844 |
| Assets per employee ($millions) | 5.3586% | 1,873 |
| Cash dividends to net income (ytd only)* | 251.3274% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 3,537 |
| 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 | 26.2152% | 6,129 |
| Net loans and leases to deposits | 28.9221% | 6,154 |
| Net loans and leases to core deposits | 29.6125% | 6,163 |
| Total domestic deposits to total assets | 90.6405% | 402 |
| Equity capital to assets | 9.2432% | 4,966 |
| Core capital (leverage) ratio | 8.6740% | 5,350 |
| Tier 1 risk-based capital ratio | 21.4564% | 1,289 |
| Total risk-based capital ratio | 22.2420% | 1,331 |
| Memoranda: | ||
| Average total assets | $72,684,330 | 5,138 |
| Average earning assets | $62,866,000 | 5,229 |
| Average equity | $7,007,670 | 5,358 |
| Average total loans | $16,172,000 | 5,998 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6687% | 6,142 |
| Cost of funding earning assets | 0.0683% | 6,302 |
| Net interest margin | 2.6004% | 5,924 |
| Noninterest income to average assets | 0.2965% | 4,797 |
| Noninterest expense to average assets | 1.6173% | 6,096 |
| Loan and lease loss provision to assets | 0.2156% | 826 |
| Net operating income to assets | 0.7224% | 3,679 |
| Return on assets (ROA) | 1.1052% | 1,958 |
| Pretax return on assets | 1.1052% | 3,049 |
| Return on Equity (ROE) | 11.2452% | 1,568 |
| Retained earnings to average equity (ytd only) | 8.9413% | 1,215 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2911% | 4,589 |
| Assets per employee ($millions) | 5.7290% | 1,605 |
| Cash dividends to net income (ytd only)* | 20.4878% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4981% | 2,451 |
| 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 | 20.3056% | 6,263 |
| Net loans and leases to deposits | 22.5888% | 6,283 |
| Net loans and leases to core deposits | 23.0967% | 6,283 |
| Total domestic deposits to total assets | 89.8922% | 790 |
| Equity capital to assets | 9.9991% | 4,148 |
| Core capital (leverage) ratio | 9.4973% | 4,279 |
| Tier 1 risk-based capital ratio | 26.3132% | 766 |
| Total risk-based capital ratio | 27.1830% | 774 |
| Memoranda: | ||
| Average total assets | $74,195,500 | 5,146 |
| Average earning assets | $64,451,000 | 5,241 |
| Average equity | $7,292,000 | 5,346 |
| Average total loans | $15,012,000 | 6,084 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2998% | 6,380 |
| Cost of funding earning assets | 0.0773% | 6,378 |
| Net interest margin | 2.2225% | 6,303 |
| Noninterest income to average assets | 0.2053% | 5,630 |
| Noninterest expense to average assets | 1.3632% | 6,372 |
| Loan and lease loss provision to assets | 0.0628% | 3,261 |
| Net operating income to assets | 0.7583% | 3,581 |
| Return on assets (ROA) | 0.8030% | 3,453 |
| Pretax return on assets | 0.8030% | 4,249 |
| Return on Equity (ROE) | 10.0181% | 2,113 |
| Retained earnings to average equity (ytd only) | 9.3854% | 624 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4102% | 4,841 |
| Assets per employee ($millions) | 6.1595% | 1,273 |
| Cash dividends to net income (ytd only)* | 6.3158% | 4,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 3,451 |
| 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 | 19.5917% | 6,371 |
| Net loans and leases to deposits | 21.7077% | 6,386 |
| Net loans and leases to core deposits | 22.1975% | 6,389 |
| Total domestic deposits to total assets | 90.2522% | 627 |
| Equity capital to assets | 9.6558% | 4,526 |
| Core capital (leverage) ratio | 8.2561% | 5,816 |
| Tier 1 risk-based capital ratio | 25.3384% | 807 |
| Total risk-based capital ratio | 26.0469% | 838 |
| Memoranda: | ||
| Average total assets | $82,819,600 | 4,994 |
| Average earning assets | $73,745,400 | 5,045 |
| Average equity | $6,638,000 | 5,494 |
| Average total loans | $11,784,600 | 6,258 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1688% | 6,485 |
| Cost of funding earning assets | 0.0768% | 6,463 |
| Net interest margin | 2.0919% | 6,421 |
| Noninterest income to average assets | 0.1897% | 5,782 |
| Noninterest expense to average assets | 1.3091% | 6,451 |
| Loan and lease loss provision to assets | 0.0345% | 3,713 |
| Net operating income to assets | 0.7243% | 3,817 |
| Return on assets (ROA) | 0.7243% | 3,923 |
| Pretax return on assets | 0.7243% | 4,612 |
| Return on Equity (ROE) | 9.4573% | 2,468 |
| Retained earnings to average equity (ytd only) | 8.5977% | 1,125 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3055% | 4,665 |
| Assets per employee ($millions) | 7.3338% | 691 |
| Cash dividends to net income (ytd only)* | 9.0912% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5130% | 2,642 |
| 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 | 11.8344% | 6,523 |
| Net loans and leases to deposits | 12.8544% | 6,530 |
| Net loans and leases to core deposits | 13.0511% | 6,521 |
| Total domestic deposits to total assets | 92.0653% | 148 |
| Equity capital to assets | 7.8711% | 6,190 |
| Core capital (leverage) ratio | 7.5289% | 6,270 |
| Tier 1 risk-based capital ratio | 25.5812% | 821 |
| Total risk-based capital ratio | 26.2022% | 874 |
| Memoranda: | ||
| Average total assets | $85,046,000 | 4,993 |
| Average earning assets | $76,354,750 | 5,030 |
| Average equity | $6,513,250 | 5,572 |
| Average total loans | $11,063,000 | 6,354 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1255% | 6,560 |
| Cost of funding earning assets | 0.0791% | 6,524 |
| Net interest margin | 2.0464% | 6,508 |
| Noninterest income to average assets | 0.1975% | 5,779 |
| Noninterest expense to average assets | 1.3181% | 6,515 |
| Loan and lease loss provision to assets | 0.0523% | 3,255 |
| Net operating income to assets | 0.6733% | 3,972 |
| Return on assets (ROA) | 0.6733% | 4,070 |
| Pretax return on assets | 0.6733% | 4,726 |
| Return on Equity (ROE) | 8.8780% | 2,645 |
| Retained earnings to average equity (ytd only) | 7.5604% | 1,496 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4936% | 4,615 |
| Assets per employee ($millions) | 7.2045% | 726 |
| Cash dividends to net income (ytd only)* | 14.8410% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3485% | 3,592 |
| 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 | 13.5390% | 6,577 |
| Net loans and leases to deposits | 14.6996% | 6,585 |
| Net loans and leases to core deposits | 14.9283% | 6,578 |
| Total domestic deposits to total assets | 92.1045% | 159 |
| Equity capital to assets | 7.8122% | 6,248 |
| Core capital (leverage) ratio | 7.4421% | 6,331 |
| Tier 1 risk-based capital ratio | 24.4827% | 934 |
| Total risk-based capital ratio | 25.0935% | 985 |
| Memoranda: | ||
| Average total assets | $84,059,330 | 5,061 |
| Average earning assets | $75,841,670 | 5,079 |
| Average equity | $6,375,330 | 5,640 |
| Average total loans | $11,225,670 | 6,404 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0490% | 6,643 |
| Cost of funding earning assets | 0.0800% | 6,604 |
| Net interest margin | 1.9690% | 6,597 |
| Noninterest income to average assets | 0.2221% | 5,582 |
| Noninterest expense to average assets | 1.3372% | 6,588 |
| Loan and lease loss provision to assets | 0.0579% | 2,958 |
| Net operating income to assets | 0.6082% | 4,158 |
| Return on assets (ROA) | 0.6082% | 4,240 |
| Pretax return on assets | 0.6082% | 4,804 |
| Return on Equity (ROE) | 8.1474% | 2,866 |
| Retained earnings to average equity (ytd only) | 5.4316% | 2,829 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7470% | 4,409 |
| Assets per employee ($millions) | 7.7753% | 544 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3974% | 3,612 |
| 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 | 12.3749% | 6,656 |
| Net loans and leases to deposits | 13.3800% | 6,663 |
| Net loans and leases to core deposits | 13.5896% | 6,657 |
| Total domestic deposits to total assets | 92.4878% | 167 |
| Equity capital to assets | 7.4455% | 6,329 |
| Core capital (leverage) ratio | 7.4195% | 6,365 |
| Tier 1 risk-based capital ratio | 26.0406% | 790 |
| Total risk-based capital ratio | 26.6650% | 828 |
| Memoranda: | ||
| Average total assets | $82,862,000 | 5,134 |
| Average earning assets | $74,963,500 | 5,149 |
| Average equity | $6,186,000 | 5,710 |
| Average total loans | $10,906,000 | 6,487 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2240% | 6,682 |
| Cost of funding earning assets | 0.1370% | 6,584 |
| Net interest margin | 2.0870% | 6,626 |
| Noninterest income to average assets | 0.1916% | 5,945 |
| Noninterest expense to average assets | 1.4258% | 6,617 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6701% | 3,938 |
| Return on assets (ROA) | 0.6701% | 4,032 |
| Pretax return on assets | 0.6701% | 4,637 |
| Return on Equity (ROE) | 7.8526% | 3,113 |
| Retained earnings to average equity (ytd only) | 7.2792% | 1,327 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0285% | 4,195 |
| Assets per employee ($millions) | 7.2905% | 658 |
| Cash dividends to net income (ytd only)* | 7.3022% | 4,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 4,406 |
| 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 | 13.6416% | 6,731 |
| Net loans and leases to deposits | 14.7549% | 6,739 |
| Net loans and leases to core deposits | 15.0015% | 6,734 |
| Total domestic deposits to total assets | 92.4547% | 203 |
| Equity capital to assets | 7.4867% | 6,288 |
| Core capital (leverage) ratio | 8.3042% | 5,870 |
| Tier 1 risk-based capital ratio | 25.8070% | 787 |
| Total risk-based capital ratio | 26.3840% | 826 |
| Memoranda: | ||
| Average total assets | $73,573,200 | 5,385 |
| Average earning assets | $67,130,600 | 5,373 |
| Average equity | $6,278,200 | 5,746 |
| Average total loans | $9,632,200 | 6,607 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2681% | 6,758 |
| Cost of funding earning assets | 0.1540% | 6,621 |
| Net interest margin | 2.1140% | 6,692 |
| Noninterest income to average assets | 0.1928% | 6,019 |
| Noninterest expense to average assets | 1.4331% | 6,674 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6934% | 3,893 |
| Return on assets (ROA) | 0.6934% | 4,029 |
| Pretax return on assets | 0.6934% | 4,708 |
| Return on Equity (ROE) | 7.8568% | 3,195 |
| Retained earnings to average equity (ytd only) | 7.1006% | 1,829 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3932% | 4,211 |
| Assets per employee ($millions) | 5.8944% | 1,310 |
| Cash dividends to net income (ytd only)* | 9.6260% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 3,359 |
| 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 | 12.6066% | 6,817 |
| Net loans and leases to deposits | 13.8064% | 6,824 |
| Net loans and leases to core deposits | 14.0718% | 6,817 |
| Total domestic deposits to total assets | 91.3096% | 418 |
| Equity capital to assets | 8.6254% | 5,598 |
| Core capital (leverage) ratio | 8.1432% | 6,114 |
| Tier 1 risk-based capital ratio | 27.1504% | 688 |
| Total risk-based capital ratio | 27.7693% | 732 |
| Memoranda: | ||
| Average total assets | $71,917,500 | 5,476 |
| Average earning assets | $65,781,250 | 5,462 |
| Average equity | $6,346,750 | 5,797 |
| Average total loans | $9,270,750 | 6,689 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2183% | 6,810 |
| Cost of funding earning assets | 0.1651% | 6,645 |
| Net interest margin | 2.0532% | 6,747 |
| Noninterest income to average assets | 0.1936% | 6,052 |
| Noninterest expense to average assets | 1.3774% | 6,745 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7080% | 3,765 |
| Return on assets (ROA) | 0.7080% | 3,939 |
| Pretax return on assets | 0.7080% | 4,664 |
| Return on Equity (ROE) | 7.9643% | 3,118 |
| Retained earnings to average equity (ytd only) | 6.8443% | 1,956 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0477% | 4,538 |
| Assets per employee ($millions) | 6.1273% | 1,112 |
| Cash dividends to net income (ytd only)* | 14.0625% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 4,169 |
| 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 | 13.5091% | 6,861 |
| Net loans and leases to deposits | 14.7125% | 6,869 |
| Net loans and leases to core deposits | 14.9828% | 6,863 |
| Total domestic deposits to total assets | 91.8208% | 284 |
| Equity capital to assets | 8.1030% | 6,128 |
| Core capital (leverage) ratio | 7.9870% | 6,197 |
| Tier 1 risk-based capital ratio | 26.0845% | 762 |
| Total risk-based capital ratio | 26.6910% | 808 |
| Memoranda: | ||
| Average total assets | $72,312,330 | 5,501 |
| Average earning assets | $66,626,330 | 5,479 |
| Average equity | $6,428,670 | 5,824 |
| Average total loans | $9,342,670 | 6,735 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1691% | 6,901 |
| Cost of funding earning assets | 0.1803% | 6,673 |
| Net interest margin | 1.9889% | 6,847 |
| Noninterest income to average assets | 0.2287% | 5,831 |
| Noninterest expense to average assets | 1.3556% | 6,844 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7196% | 3,593 |
| Return on assets (ROA) | 0.7196% | 3,727 |
| Pretax return on assets | 0.7196% | 4,488 |
| Return on Equity (ROE) | 7.7431% | 3,098 |
| Retained earnings to average equity (ytd only) | 5.5822% | 2,909 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3226% | 4,776 |
| Assets per employee ($millions) | 6.0738% | 1,205 |
| Cash dividends to net income (ytd only)* | 27.9070% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5015% | 3,824 |
| 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 | 12.4208% | 6,941 |
| Net loans and leases to deposits | 13.6827% | 6,951 |
| Net loans and leases to core deposits | 13.9391% | 6,939 |
| Total domestic deposits to total assets | 90.7774% | 625 |
| Equity capital to assets | 9.1705% | 5,288 |
| Core capital (leverage) ratio | 8.0130% | 6,128 |
| Tier 1 risk-based capital ratio | 27.6080% | 665 |
| Total risk-based capital ratio | 28.2639% | 689 |
| Memoranda: | ||
| Average total assets | $71,704,500 | 5,573 |
| Average earning assets | $66,570,000 | 5,527 |
| Average equity | $6,664,000 | 5,826 |
| Average total loans | $8,978,500 | 6,810 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3295% | 6,966 |
| Cost of funding earning assets | 0.2583% | 6,640 |
| Net interest margin | 2.0712% | 6,911 |
| Noninterest income to average assets | 0.2055% | 5,942 |
| Noninterest expense to average assets | 1.3527% | 6,933 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7557% | 3,485 |
| Return on assets (ROA) | 0.7557% | 3,728 |
| Pretax return on assets | 0.7557% | 4,458 |
| Return on Equity (ROE) | 8.4711% | 2,883 |
| Retained earnings to average equity (ytd only) | 8.0645% | 1,100 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1577% | 4,851 |
| Assets per employee ($millions) | 6.4112% | 1,045 |
| Cash dividends to net income (ytd only)* | 4.8000% | 4,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 3,424 |
| 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 | 12.2343% | 7,003 |
| Net loans and leases to deposits | 13.5146% | 7,009 |
| Net loans and leases to core deposits | 13.7770% | 7,000 |
| Total domestic deposits to total assets | 90.5265% | 695 |
| Equity capital to assets | 9.4210% | 4,971 |
| Core capital (leverage) ratio | 8.0948% | 6,096 |
| Tier 1 risk-based capital ratio | 32.4753% | 416 |
| Total risk-based capital ratio | 33.2595% | 426 |
| Memoranda: | ||
| Average total assets | $66,164,600 | 5,732 |
| Average earning assets | $60,786,400 | 5,714 |
| Average equity | $5,902,400 | 6,048 |
| Average total loans | $7,233,200 | 6,941 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4052% | 7,065 |
| Cost of funding earning assets | 0.2856% | 6,671 |
| Net interest margin | 2.1196% | 7,004 |
| Noninterest income to average assets | 0.2069% | 6,049 |
| Noninterest expense to average assets | 1.3297% | 7,029 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8236% | 3,323 |
| Return on assets (ROA) | 0.8236% | 3,565 |
| Pretax return on assets | 0.8236% | 4,399 |
| Return on Equity (ROE) | 9.3754% | 2,646 |
| Retained earnings to average equity (ytd only) | 8.8156% | 1,297 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7507% | 5,194 |
| Assets per employee ($millions) | 6.5764% | 914 |
| Cash dividends to net income (ytd only)* | 5.9703% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0922% | 1,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 8.9273% | 7,121 |
| Net loans and leases to deposits | 9.8451% | 7,128 |
| Net loans and leases to core deposits | 9.9921% | 7,122 |
| Total domestic deposits to total assets | 90.6774% | 527 |
| Equity capital to assets | 9.2673% | 5,512 |
| Core capital (leverage) ratio | 8.0013% | 6,327 |
| Tier 1 risk-based capital ratio | 36.2083% | 322 |
| Total risk-based capital ratio | 37.0979% | 325 |
| Memoranda: | ||
| Average total assets | $65,075,000 | 5,846 |
| Average earning assets | $59,759,250 | 5,813 |
| Average equity | $5,717,000 | 6,168 |
| Average total loans | $6,850,000 | 7,048 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5595% | 7,111 |
| Cost of funding earning assets | 0.2987% | 6,749 |
| Net interest margin | 2.2609% | 7,022 |
| Noninterest income to average assets | 0.2298% | 5,927 |
| Noninterest expense to average assets | 1.5961% | 6,931 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7119% | 3,804 |
| Return on assets (ROA) | 0.7119% | 4,073 |
| Pretax return on assets | 0.7119% | 4,794 |
| Return on Equity (ROE) | 8.2777% | 3,126 |
| Retained earnings to average equity (ytd only) | 7.3868% | 1,920 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1563% | 3,903 |
| Assets per employee ($millions) | 5.3744% | 1,736 |
| Cash dividends to net income (ytd only)* | 10.7623% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0634% | 2,070 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 10.1561% | 7,179 |
| Net loans and leases to deposits | 11.1461% | 7,189 |
| Net loans and leases to core deposits | 11.3814% | 7,183 |
| Total domestic deposits to total assets | 91.1184% | 413 |
| Equity capital to assets | 8.7839% | 5,932 |
| Core capital (leverage) ratio | 7.4377% | 6,649 |
| Tier 1 risk-based capital ratio | 30.8357% | 486 |
| Total risk-based capital ratio | 31.7532% | 494 |
| Memoranda: | ||
| Average total assets | $62,653,330 | 5,957 |
| Average earning assets | $57,588,670 | 5,919 |
| Average equity | $5,388,000 | 6,269 |
| Average total loans | $6,934,670 | 7,105 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5836% | 7,160 |
| Cost of funding earning assets | 0.3056% | 6,824 |
| Net interest margin | 2.2780% | 7,064 |
| Noninterest income to average assets | 0.2721% | 5,696 |
| Noninterest expense to average assets | 1.6523% | 6,933 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7451% | 3,650 |
| Return on assets (ROA) | 0.7451% | 3,885 |
| Pretax return on assets | 0.7451% | 4,627 |
| Return on Equity (ROE) | 8.7627% | 2,927 |
| Retained earnings to average equity (ytd only) | 6.9340% | 2,467 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9189% | 3,992 |
| Assets per employee ($millions) | 5.1287% | 2,084 |
| Cash dividends to net income (ytd only)* | 20.8696% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1333% | 2,018 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 10.2869% | 7,237 |
| Net loans and leases to deposits | 11.2804% | 7,246 |
| Net loans and leases to core deposits | 11.5296% | 7,241 |
| Total domestic deposits to total assets | 91.1933% | 479 |
| Equity capital to assets | 8.7092% | 5,863 |
| Core capital (leverage) ratio | 7.2431% | 6,746 |
| Tier 1 risk-based capital ratio | 29.6796% | 538 |
| Total risk-based capital ratio | 30.5838% | 546 |
| Memoranda: | ||
| Average total assets | $61,733,500 | 6,016 |
| Average earning assets | $57,593,500 | 5,954 |
| Average equity | $5,249,500 | 6,346 |
| Average total loans | $7,058,000 | 7,161 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1094% | 7,148 |
| Cost of funding earning assets | 0.3988% | 6,889 |
| Net interest margin | 2.7106% | 6,912 |
| Noninterest income to average assets | 0.2635% | 5,647 |
| Noninterest expense to average assets | 1.8215% | 6,931 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9178% | 2,534 |
| Return on assets (ROA) | 0.9178% | 2,648 |
| Pretax return on assets | 0.9178% | 3,553 |
| Return on Equity (ROE) | 11.3462% | 1,604 |
| Retained earnings to average equity (ytd only) | 8.9852% | 806 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4945% | 4,661 |
| Assets per employee ($millions) | 5.1603% | 1,991 |
| Cash dividends to net income (ytd only)* | 20.8092% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8046% | 2,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 12.1264% | 7,279 |
| Net loans and leases to deposits | 13.2378% | 7,289 |
| Net loans and leases to core deposits | 13.5266% | 7,279 |
| Total domestic deposits to total assets | 91.6041% | 306 |
| Equity capital to assets | 8.2990% | 6,354 |
| Core capital (leverage) ratio | 7.2011% | 6,791 |
| Tier 1 risk-based capital ratio | 28.0985% | 619 |
| Total risk-based capital ratio | 28.9720% | 633 |
| Memoranda: | ||
| Average total assets | $56,547,000 | 6,147 |
| Average earning assets | $51,650,000 | 6,132 |
| Average equity | $4,574,200 | 6,566 |
| Average total loans | $6,668,400 | 7,221 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2323% | 7,196 |
| Cost of funding earning assets | 0.4149% | 6,979 |
| Net interest margin | 2.8174% | 6,868 |
| Noninterest income to average assets | 0.2681% | 5,699 |
| Noninterest expense to average assets | 1.9056% | 6,841 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9371% | 2,582 |
| Return on assets (ROA) | 0.9371% | 2,747 |
| Pretax return on assets | 0.9371% | 3,632 |
| Return on Equity (ROE) | 11.6697% | 1,628 |
| Retained earnings to average equity (ytd only) | 9.1432% | 1,093 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0348% | 4,513 |
| Assets per employee ($millions) | 4.9994% | 2,193 |
| Cash dividends to net income (ytd only)* | 21.6500% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5480% | 1,332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 8.7977% | 7,371 |
| Net loans and leases to deposits | 9.6173% | 7,378 |
| Net loans and leases to core deposits | 9.7884% | 7,367 |
| Total domestic deposits to total assets | 91.4773% | 302 |
| Equity capital to assets | 8.3993% | 6,399 |
| Core capital (leverage) ratio | 7.3517% | 6,831 |
| Tier 1 risk-based capital ratio | 30.9036% | 498 |
| Total risk-based capital ratio | 31.8879% | 494 |
| Memoranda: | ||
| Average total assets | $55,203,000 | 6,237 |
| Average earning assets | $50,447,250 | 6,225 |
| Average equity | $4,433,000 | 6,668 |
| Average total loans | $6,423,750 | 7,300 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3422% | 7,236 |
| Cost of funding earning assets | 0.4320% | 7,055 |
| Net interest margin | 2.9101% | 6,774 |
| Noninterest income to average assets | 0.2835% | 5,610 |
| Noninterest expense to average assets | 2.0072% | 6,777 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9402% | 2,480 |
| Return on assets (ROA) | 0.9402% | 2,577 |
| Pretax return on assets | 0.9402% | 3,472 |
| Return on Equity (ROE) | 11.9121% | 1,519 |
| Retained earnings to average equity (ytd only) | 9.0759% | 1,078 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1013% | 4,494 |
| Assets per employee ($millions) | 4.7633% | 2,459 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1681% | 1,981 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 10.8942% | 7,438 |
| Net loans and leases to deposits | 11.8639% | 7,452 |
| Net loans and leases to core deposits | 12.0842% | 7,441 |
| Total domestic deposits to total assets | 91.8263% | 273 |
| Equity capital to assets | 8.0092% | 6,678 |
| Core capital (leverage) ratio | 7.6413% | 6,630 |
| Tier 1 risk-based capital ratio | 28.4319% | 627 |
| Total risk-based capital ratio | 29.3614% | 640 |
| Memoranda: | ||
| Average total assets | $53,606,330 | 6,346 |
| Average earning assets | $49,069,670 | 6,337 |
| Average equity | $4,231,000 | 6,769 |
| Average total loans | $6,759,670 | 7,362 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4576% | 7,232 |
| Cost of funding earning assets | 0.4322% | 7,153 |
| Net interest margin | 3.0254% | 6,520 |
| Noninterest income to average assets | 0.3241% | 5,329 |
| Noninterest expense to average assets | 2.1995% | 6,423 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9338% | 2,431 |
| Return on assets (ROA) | 0.9338% | 2,496 |
| Pretax return on assets | 0.9338% | 3,387 |
| Return on Equity (ROE) | 11.9285% | 1,480 |
| Retained earnings to average equity (ytd only) | 6.0136% | 2,626 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1970% | 4,220 |
| Assets per employee ($millions) | 4.4561% | 2,965 |
| Cash dividends to net income (ytd only)* | 49.5868% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1835% | 2,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 11.5610% | 7,495 |
| Net loans and leases to deposits | 12.5291% | 7,508 |
| Net loans and leases to core deposits | 12.7764% | 7,497 |
| Total domestic deposits to total assets | 92.2727% | 221 |
| Equity capital to assets | 7.5552% | 6,838 |
| Core capital (leverage) ratio | 7.8195% | 6,446 |
| Tier 1 risk-based capital ratio | 27.2558% | 685 |
| Total risk-based capital ratio | 28.1754% | 695 |
| Memoranda: | ||
| Average total assets | $51,830,000 | 6,463 |
| Average earning assets | $48,126,000 | 6,408 |
| Average equity | $4,057,500 | 6,867 |
| Average total loans | $6,957,000 | 7,417 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9126% | 7,191 |
| Cost of funding earning assets | 0.5729% | 7,173 |
| Net interest margin | 3.3397% | 5,836 |
| Noninterest income to average assets | 0.2810% | 5,763 |
| Noninterest expense to average assets | 2.3236% | 6,292 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0203% | 1,968 |
| Return on assets (ROA) | 1.0203% | 2,078 |
| Pretax return on assets | 1.0203% | 2,867 |
| Return on Equity (ROE) | 11.4014% | 1,479 |
| Retained earnings to average equity (ytd only) | 4.0280% | 3,043 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4884% | 4,283 |
| Assets per employee ($millions) | 4.1823% | 3,415 |
| Cash dividends to net income (ytd only)* | 64.6707% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8172% | 2,807 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 14.8564% | 7,560 |
| Net loans and leases to deposits | 16.1950% | 7,578 |
| Net loans and leases to core deposits | 16.5373% | 7,565 |
| Total domestic deposits to total assets | 91.7349% | 339 |
| Equity capital to assets | 8.1196% | 6,358 |
| Core capital (leverage) ratio | 7.7537% | 6,492 |
| Tier 1 risk-based capital ratio | 26.2578% | 736 |
| Total risk-based capital ratio | 27.1572% | 743 |
| Memoranda: | ||
| Average total assets | $49,105,200 | 6,572 |
| Average earning assets | $45,034,000 | 6,537 |
| Average equity | $4,394,200 | 6,858 |
| Average total loans | $7,262,400 | 7,493 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0843% | 7,214 |
| Cost of funding earning assets | 0.6062% | 7,276 |
| Net interest margin | 3.4781% | 5,379 |
| Noninterest income to average assets | 0.2785% | 5,876 |
| Noninterest expense to average assets | 2.2934% | 6,349 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1494% | 1,735 |
| Return on assets (ROA) | 1.1494% | 1,838 |
| Pretax return on assets | 1.1494% | 2,673 |
| Return on Equity (ROE) | 12.5463% | 1,375 |
| Retained earnings to average equity (ytd only) | 3.8742% | 3,738 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6138% | 4,726 |
| Assets per employee ($millions) | 4.2595% | 3,331 |
| Cash dividends to net income (ytd only)* | 69.1210% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2414% | 1,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 11.7756% | 7,686 |
| Net loans and leases to deposits | 12.9255% | 7,697 |
| Net loans and leases to core deposits | 13.1949% | 7,682 |
| Total domestic deposits to total assets | 91.1042% | 409 |
| Equity capital to assets | 8.7569% | 5,922 |
| Core capital (leverage) ratio | 7.9421% | 6,423 |
| Tier 1 risk-based capital ratio | 28.1124% | 622 |
| Total risk-based capital ratio | 29.0869% | 621 |
| Memoranda: | ||
| Average total assets | $48,834,750 | 6,662 |
| Average earning assets | $44,428,750 | 6,639 |
| Average equity | $4,474,000 | 6,917 |
| Average total loans | $7,179,500 | 7,589 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2438% | 7,123 |
| Cost of funding earning assets | 0.6407% | 7,319 |
| Net interest margin | 3.6032% | 4,797 |
| Noninterest income to average assets | 0.2954% | 5,781 |
| Noninterest expense to average assets | 2.3339% | 6,263 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2605% | 1,398 |
| Return on assets (ROA) | 1.2605% | 1,468 |
| Pretax return on assets | 1.2605% | 2,221 |
| Return on Equity (ROE) | 13.5470% | 1,131 |
| Retained earnings to average equity (ytd only) | 3.4873% | 3,887 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9306% | 5,158 |
| Assets per employee ($millions) | 4.0929% | 3,591 |
| Cash dividends to net income (ytd only)* | 74.2574% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8227% | 2,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 15.1339% | 7,729 |
| Net loans and leases to deposits | 16.7004% | 7,748 |
| Net loans and leases to core deposits | 16.9097% | 7,740 |
| Total domestic deposits to total assets | 90.6200% | 634 |
| Equity capital to assets | 9.2538% | 5,068 |
| Core capital (leverage) ratio | 8.2848% | 5,798 |
| Tier 1 risk-based capital ratio | 25.0862% | 836 |
| Total risk-based capital ratio | 25.9673% | 854 |
| Memoranda: | ||
| Average total assets | $48,075,000 | 6,724 |
| Average earning assets | $44,016,670 | 6,698 |
| Average equity | $4,473,330 | 6,949 |
| Average total loans | $7,520,330 | 7,643 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4175% | 6,969 |
| Cost of funding earning assets | 0.6839% | 7,367 |
| Net interest margin | 3.7337% | 4,088 |
| Noninterest income to average assets | 0.3449% | 5,384 |
| Noninterest expense to average assets | 2.4813% | 5,800 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2617% | 1,380 |
| Return on assets (ROA) | 1.2617% | 1,452 |
| Pretax return on assets | 1.2617% | 2,168 |
| Return on Equity (ROE) | 13.5211% | 1,138 |
| Retained earnings to average equity (ytd only) | 2.1634% | 4,833 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2921% | 5,053 |
| Assets per employee ($millions) | 3.8477% | 4,211 |
| Cash dividends to net income (ytd only)* | 84.0000% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9771% | 2,250 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 14.8185% | 7,835 |
| Net loans and leases to deposits | 16.4092% | 7,852 |
| Net loans and leases to core deposits | 16.5082% | 7,841 |
| Total domestic deposits to total assets | 90.3058% | 829 |
| Equity capital to assets | 9.5642% | 4,437 |
| Core capital (leverage) ratio | 8.2658% | 5,810 |
| Tier 1 risk-based capital ratio | 26.4953% | 739 |
| Total risk-based capital ratio | 27.4386% | 751 |
| Memoranda: | ||
| Average total assets | $47,555,000 | 6,822 |
| Average earning assets | $43,282,000 | 6,809 |
| Average equity | $4,437,500 | 7,023 |
| Average total loans | $7,495,000 | 7,740 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3210% | 7,544 |
| Cost of funding earning assets | 0.8650% | 7,460 |
| Net interest margin | 3.4560% | 5,146 |
| Noninterest income to average assets | 0.2904% | 6,033 |
| Noninterest expense to average assets | 2.2876% | 6,783 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2691% | 1,093 |
| Return on assets (ROA) | 1.2691% | 1,152 |
| Pretax return on assets | 1.2691% | 1,783 |
| Return on Equity (ROE) | 13.1698% | 924 |
| Retained earnings to average equity (ytd only) | 4.2523% | 2,247 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3177% | 5,715 |
| Assets per employee ($millions) | 4.0782% | 3,659 |
| Cash dividends to net income (ytd only)* | 67.7116% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7228% | 2,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 16.0857% | 7,900 |
| Net loans and leases to deposits | 17.7213% | 7,925 |
| Net loans and leases to core deposits | 20.7732% | 7,918 |
| Total domestic deposits to total assets | 90.7700% | 630 |
| Equity capital to assets | 9.1115% | 4,970 |
| Core capital (leverage) ratio | 7.6229% | 6,655 |
| Tier 1 risk-based capital ratio | 24.0735% | 941 |
| Total risk-based capital ratio | 24.9359% | 958 |
| Memoranda: | ||
| Average total assets | $50,270,800 | 6,696 |
| Average earning assets | $47,512,200 | 6,617 |
| Average equity | $4,844,400 | 7,005 |
| Average total loans | $7,212,400 | 7,818 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3456% | 7,644 |
| Cost of funding earning assets | 0.9048% | 7,552 |
| Net interest margin | 3.4409% | 5,110 |
| Noninterest income to average assets | 0.2872% | 6,182 |
| Noninterest expense to average assets | 2.2527% | 6,830 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2910% | 1,245 |
| Return on assets (ROA) | 1.2910% | 1,314 |
| Pretax return on assets | 1.2910% | 1,974 |
| Return on Equity (ROE) | 13.2231% | 1,064 |
| Retained earnings to average equity (ytd only) | 7.0702% | 1,475 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5688% | 5,829 |
| Assets per employee ($millions) | 4.1834% | 3,408 |
| Cash dividends to net income (ytd only)* | 46.5300% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2087% | 1,406 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 12.1711% | 8,006 |
| Net loans and leases to deposits | 13.5063% | 8,021 |
| Net loans and leases to core deposits | 15.7629% | 8,017 |
| Total domestic deposits to total assets | 90.1137% | 724 |
| Equity capital to assets | 9.7468% | 4,428 |
| Core capital (leverage) ratio | 7.8341% | 6,575 |
| Tier 1 risk-based capital ratio | 26.5151% | 787 |
| Total risk-based capital ratio | 27.4516% | 789 |
| Memoranda: | ||
| Average total assets | $50,604,000 | 6,730 |
| Average earning assets | $47,893,750 | 6,653 |
| Average equity | $4,940,750 | 7,026 |
| Average total loans | $7,013,000 | 7,901 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4709% | 7,645 |
| Cost of funding earning assets | 0.9545% | 7,616 |
| Net interest margin | 3.5164% | 4,723 |
| Noninterest income to average assets | 0.2838% | 6,235 |
| Noninterest expense to average assets | 2.1246% | 7,228 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5136% | 811 |
| Return on assets (ROA) | 1.5136% | 867 |
| Pretax return on assets | 1.5136% | 1,406 |
| Return on Equity (ROE) | 15.4943% | 757 |
| Retained earnings to average equity (ytd only) | 10.4102% | 651 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3965% | 6,788 |
| Assets per employee ($millions) | 3.9532% | 3,767 |
| Cash dividends to net income (ytd only)* | 32.8125% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0414% | 1,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 13.9593% | 8,086 |
| Net loans and leases to deposits | 15.6017% | 8,104 |
| Net loans and leases to core deposits | 18.2344% | 8,099 |
| Total domestic deposits to total assets | 89.4726% | 1,055 |
| Equity capital to assets | 10.3714% | 3,546 |
| Core capital (leverage) ratio | 7.6366% | 6,845 |
| Tier 1 risk-based capital ratio | 26.7544% | 795 |
| Total risk-based capital ratio | 27.7001% | 798 |
| Memoranda: | ||
| Average total assets | $50,738,330 | 6,794 |
| Average earning assets | $48,402,330 | 6,694 |
| Average equity | $4,956,670 | 7,081 |
| Average total loans | $7,268,000 | 7,979 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4547% | 7,755 |
| Cost of funding earning assets | 1.0515% | 7,596 |
| Net interest margin | 3.4033% | 5,127 |
| Noninterest income to average assets | 0.3130% | 5,939 |
| Noninterest expense to average assets | 2.0997% | 7,116 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4507% | 1,044 |
| Return on assets (ROA) | 1.4507% | 1,117 |
| Pretax return on assets | 1.4507% | 1,812 |
| Return on Equity (ROE) | 15.2764% | 924 |
| Retained earnings to average equity (ytd only) | 15.2764% | 386 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1398% | 6,533 |
| Assets per employee ($millions) | 4.3633% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8990% | 1,619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 13.6156% | 8,143 |
| Net loans and leases to deposits | 15.0655% | 8,161 |
| Net loans and leases to core deposits | 17.3518% | 8,157 |
| Total domestic deposits to total assets | 90.3761% | 652 |
| Equity capital to assets | 9.4845% | 4,690 |
| Core capital (leverage) ratio | 7.1812% | 7,500 |
| Tier 1 risk-based capital ratio | 23.9466% | 1,091 |
| Total risk-based capital ratio | 24.8080% | 1,112 |
| Memoranda: | ||
| Average total assets | $52,388,500 | 6,766 |
| Average earning assets | $49,834,500 | 6,668 |
| Average equity | $4,975,000 | 7,117 |
| Average total loans | $7,522,000 | 8,010 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9815% | 7,848 |
| Cost of funding earning assets | 1.5809% | 7,485 |
| Net interest margin | 3.4006% | 5,662 |
| Noninterest income to average assets | 0.3486% | 5,946 |
| Noninterest expense to average assets | 2.1065% | 7,223 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4135% | 1,202 |
| Return on assets (ROA) | 1.4135% | 1,155 |
| Pretax return on assets | 1.4135% | 1,934 |
| Return on Equity (ROE) | 15.7464% | 806 |
| Retained earnings to average equity (ytd only) | 8.5868% | 681 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8449% | 6,376 |
| Assets per employee ($millions) | 4.3682% | 2,848 |
| Cash dividends to net income (ytd only)* | 45.4681% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7745% | 1,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 14.5732% | 8,190 |
| Net loans and leases to deposits | 16.1296% | 8,209 |
| Net loans and leases to core deposits | 18.3842% | 8,205 |
| Total domestic deposits to total assets | 90.3506% | 535 |
| Equity capital to assets | 9.5082% | 4,682 |
| Core capital (leverage) ratio | 7.0241% | 7,673 |
| Tier 1 risk-based capital ratio | 22.2983% | 1,279 |
| Total risk-based capital ratio | 23.1423% | 1,294 |
| Memoranda: | ||
| Average total assets | $47,613,600 | 6,877 |
| Average earning assets | $44,404,200 | 6,840 |
| Average equity | $4,274,000 | 7,401 |
| Average total loans | $7,416,600 | 8,058 |