Home > The Elberfeld State Bank > Performance and Condition Ratios
The Elberfeld State Bank, Performance and Condition Ratios
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7001% | 3,575 |
| Cost of funding earning assets | 0.4156% | 3,488 |
| Net interest margin | 3.2845% | 3,110 |
| Noninterest income to average assets | 0.7495% | 1,693 |
| Noninterest expense to average assets | 2.6379% | 2,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8684% | 2,831 |
| Return on assets (ROA) | 0.8879% | 2,890 |
| Pretax return on assets | 1.1213% | 2,614 |
| Return on Equity (ROE) | 7.4994% | 2,998 |
| Retained earnings to average equity (ytd only) | 2.9423% | 3,398 |
| 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 | 70.6344% | 1,865 |
| Assets per employee ($millions) | 6.1803% | 2,184 |
| Cash dividends to net income (ytd only)* | 60.7662% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6124% | 1,263 |
| Loan loss allowance to noncurrent loans | 76.7333% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.1419% | 783 |
| Noncurrent loans to loans | 2.1013% | 528 |
| Net loans and leases to total assets | 46.0520% | 4,122 |
| Net loans and leases to deposits | 52.8412% | 4,176 |
| Net loans and leases to core deposits | 55.1991% | 4,194 |
| Total domestic deposits to total assets | 87.1515% | 1,861 |
| Equity capital to assets | 11.8314% | 1,661 |
| Core capital (leverage) ratio | 11.4083% | 1,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,257,000 | 4,186 |
| Average earning assets | $77,484,600 | 4,193 |
| Average equity | $10,094,200 | 4,182 |
| Average total loans | $43,947,800 | 4,228 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9482% | 3,116 |
| Cost of funding earning assets | 0.4343% | 3,615 |
| Net interest margin | 3.5139% | 2,547 |
| Noninterest income to average assets | 0.6875% | 1,835 |
| Noninterest expense to average assets | 2.7328% | 2,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9142% | 2,645 |
| Return on assets (ROA) | 0.9402% | 2,691 |
| Pretax return on assets | 1.1883% | 2,430 |
| Return on Equity (ROE) | 7.9400% | 2,827 |
| Retained earnings to average equity (ytd only) | 3.4862% | 3,310 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2866% | 1,846 |
| Assets per employee ($millions) | 5.9025% | 2,347 |
| Cash dividends to net income (ytd only)* | 56.0935% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 1,685 |
| Loan loss allowance to noncurrent loans | 36.5417% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 2.7864% | 172 |
| Noncurrent loans to loans | 3.8673% | 171 |
| Net loans and leases to total assets | 51.4525% | 3,997 |
| Net loans and leases to deposits | 58.8551% | 4,124 |
| Net loans and leases to core deposits | 61.5392% | 4,132 |
| Total domestic deposits to total assets | 87.4223% | 1,482 |
| Equity capital to assets | 11.5577% | 1,960 |
| Core capital (leverage) ratio | 11.2035% | 1,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,940,250 | 4,188 |
| Average earning assets | $77,366,500 | 4,203 |
| Average equity | $10,058,500 | 4,199 |
| Average total loans | $44,810,000 | 4,229 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 2,244 |
| Cost of funding earning assets | 0.4865% | 3,614 |
| Net interest margin | 3.9024% | 1,563 |
| Noninterest income to average assets | 0.6329% | 2,006 |
| Noninterest expense to average assets | 2.7585% | 2,190 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1146% | 1,915 |
| Return on assets (ROA) | 1.1297% | 1,994 |
| Pretax return on assets | 1.4378% | 1,617 |
| Return on Equity (ROE) | 9.4597% | 2,172 |
| Retained earnings to average equity (ytd only) | 5.8798% | 2,133 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0377% | 2,513 |
| Assets per employee ($millions) | 5.8825% | 2,285 |
| Cash dividends to net income (ytd only)* | 37.8436% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 1,621 |
| Loan loss allowance to noncurrent loans | 69.2471% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 2.1159% | 322 |
| Noncurrent loans to loans | 2.0094% | 669 |
| Net loans and leases to total assets | 52.4451% | 4,000 |
| Net loans and leases to deposits | 60.0457% | 4,118 |
| Net loans and leases to core deposits | 61.1332% | 4,205 |
| Total domestic deposits to total assets | 87.3420% | 1,478 |
| Equity capital to assets | 11.6606% | 1,862 |
| Core capital (leverage) ratio | 11.5100% | 1,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,741,000 | 4,213 |
| Average earning assets | $76,056,333 | 4,227 |
| Average equity | $10,000,333 | 4,217 |
| Average total loans | $44,344,000 | 4,247 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8098% | 4,215 |
| Cost of funding earning assets | 0.5528% | 3,679 |
| Net interest margin | 3.2570% | 3,698 |
| Noninterest income to average assets | 0.5203% | 2,442 |
| Noninterest expense to average assets | 2.8174% | 2,383 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5399% | 3,776 |
| Return on assets (ROA) | 0.5399% | 3,835 |
| Pretax return on assets | 0.6528% | 3,805 |
| Return on Equity (ROE) | 4.4643% | 3,832 |
| Retained earnings to average equity (ytd only) | 4.4643% | 2,508 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1881% | 1,026 |
| Assets per employee ($millions) | 5.4705% | 2,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5492% | 1,193 |
| Loan loss allowance to noncurrent loans | 61.0280% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 2.4300% | 291 |
| Noncurrent loans to loans | 2.5386% | 467 |
| Net loans and leases to total assets | 50.5709% | 4,211 |
| Net loans and leases to deposits | 58.1785% | 4,281 |
| Net loans and leases to core deposits | 59.5768% | 4,376 |
| Total domestic deposits to total assets | 86.9237% | 1,591 |
| Equity capital to assets | 12.0611% | 2,022 |
| Core capital (leverage) ratio | 12.0330% | 1,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,493,000 | 4,249 |
| Average earning assets | $73,810,500 | 4,262 |
| Average equity | $9,856,000 | 4,258 |
| Average total loans | $43,051,500 | 4,300 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1175% | 4,005 |
| Cost of funding earning assets | 0.5160% | 4,015 |
| Net interest margin | 3.6014% | 3,130 |
| Noninterest income to average assets | 0.5233% | 2,608 |
| Noninterest expense to average assets | 2.7933% | 2,624 |
| Loan and lease loss provision to assets | 0.0371% | 3,269 |
| Net operating income to assets | 0.7818% | 3,609 |
| Return on assets (ROA) | 0.7818% | 3,689 |
| Pretax return on assets | 0.9649% | 3,557 |
| Return on Equity (ROE) | 6.6228% | 3,699 |
| Retained earnings to average equity (ytd only) | 5.1662% | 2,327 |
| Net charge-offs to loans | 0.2044% | 1,006 |
| Credit loss provision to net charge-offs | 31.2500% | 3,264 |
| Earnings coverage of net charge-offs (x) | 8.4375% | 2,774 |
| Efficiency ratio | 73.5984% | 1,655 |
| Assets per employee ($millions) | 5.3953% | 2,154 |
| Cash dividends to net income (ytd only)* | 21.9937% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 1,272 |
| Loan loss allowance to noncurrent loans | 58.9350% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 2.5108% | 258 |
| Noncurrent loans to loans | 2.5209% | 424 |
| Net loans and leases to total assets | 53.5037% | 4,111 |
| Net loans and leases to deposits | 61.5704% | 4,211 |
| Net loans and leases to core deposits | 63.0653% | 4,320 |
| Total domestic deposits to total assets | 86.8984% | 1,659 |
| Equity capital to assets | 12.1279% | 2,058 |
| Core capital (leverage) ratio | 12.2024% | 1,654 |
| Tier 1 risk-based capital ratio | 19.6450% | 1,384 |
| Total risk-based capital ratio | 20.8956% | 1,355 |
| Memoranda: | ||
| Average total assets | $80,835,600 | 4,268 |
| Average earning assets | $73,443,000 | 4,290 |
| Average equity | $9,542,800 | 4,301 |
| Average total loans | $46,956,200 | 4,237 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1175% | 4,114 |
| Cost of funding earning assets | 0.5102% | 4,101 |
| Net interest margin | 3.6074% | 3,228 |
| Noninterest income to average assets | 0.5263% | 2,573 |
| Noninterest expense to average assets | 2.8295% | 2,470 |
| Loan and lease loss provision to assets | 0.0495% | 2,909 |
| Net operating income to assets | 0.7540% | 3,841 |
| Return on assets (ROA) | 0.7540% | 3,904 |
| Pretax return on assets | 0.9256% | 3,804 |
| Return on Equity (ROE) | 6.4310% | 3,905 |
| Retained earnings to average equity (ytd only) | 5.6007% | 2,571 |
| Net charge-offs to loans | 0.2683% | 658 |
| Credit loss provision to net charge-offs | 31.2500% | 2,909 |
| Earnings coverage of net charge-offs (x) | 6.1561% | 2,857 |
| Efficiency ratio | 74.3712% | 1,512 |
| Assets per employee ($millions) | 5.3493% | 2,175 |
| Cash dividends to net income (ytd only)* | 12.9095% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 1,513 |
| Loan loss allowance to noncurrent loans | 49.5448% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 2.7879% | 210 |
| Noncurrent loans to loans | 2.8555% | 364 |
| Net loans and leases to total assets | 56.7086% | 3,999 |
| Net loans and leases to deposits | 65.2831% | 4,111 |
| Net loans and leases to core deposits | 66.8739% | 4,230 |
| Total domestic deposits to total assets | 86.8657% | 1,589 |
| Equity capital to assets | 12.1510% | 2,149 |
| Core capital (leverage) ratio | 11.9900% | 1,860 |
| Tier 1 risk-based capital ratio | 17.7694% | 1,887 |
| Total risk-based capital ratio | 19.0002% | 1,840 |
| Memoranda: | ||
| Average total assets | $80,812,250 | 4,326 |
| Average earning assets | $73,440,250 | 4,348 |
| Average equity | $9,474,750 | 4,356 |
| Average total loans | $47,707,000 | 4,280 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0002% | 4,376 |
| Cost of funding earning assets | 0.5010% | 4,110 |
| Net interest margin | 3.4992% | 3,599 |
| Noninterest income to average assets | 0.4963% | 2,698 |
| Noninterest expense to average assets | 2.8369% | 2,454 |
| Loan and lease loss provision to assets | 0.0247% | 3,313 |
| Net operating income to assets | 0.6815% | 4,066 |
| Return on assets (ROA) | 0.6815% | 4,118 |
| Pretax return on assets | 0.8247% | 4,032 |
| Return on Equity (ROE) | 5.8830% | 4,082 |
| Retained earnings to average equity (ytd only) | 4.6254% | 2,961 |
| Net charge-offs to loans | 0.3981% | 422 |
| Credit loss provision to net charge-offs | 10.4167% | 2,691 |
| Earnings coverage of net charge-offs (x) | 3.5833% | 2,827 |
| Efficiency ratio | 76.9591% | 1,272 |
| Assets per employee ($millions) | 4.9994% | 2,478 |
| Cash dividends to net income (ytd only)* | 21.3768% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 1,951 |
| Loan loss allowance to noncurrent loans | 29.3599% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 2.6953% | 254 |
| Noncurrent loans to loans | 4.4772% | 137 |
| Net loans and leases to total assets | 59.4099% | 3,794 |
| Net loans and leases to deposits | 68.1818% | 3,958 |
| Net loans and leases to core deposits | 69.8493% | 4,116 |
| Total domestic deposits to total assets | 87.1346% | 1,528 |
| Equity capital to assets | 11.9427% | 2,232 |
| Core capital (leverage) ratio | 11.7942% | 1,953 |
| Tier 1 risk-based capital ratio | 17.4341% | 1,958 |
| Total risk-based capital ratio | 18.6280% | 1,932 |
| Memoranda: | ||
| Average total assets | $81,003,000 | 4,360 |
| Average earning assets | $73,846,330 | 4,376 |
| Average equity | $9,383,000 | 4,385 |
| Average total loans | $48,224,000 | 4,296 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1989% | 3,869 |
| Cost of funding earning assets | 0.4797% | 4,157 |
| Net interest margin | 3.7192% | 2,817 |
| Noninterest income to average assets | 0.4515% | 2,845 |
| Noninterest expense to average assets | 2.7678% | 2,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8637% | 3,383 |
| Return on assets (ROA) | 0.8637% | 3,433 |
| Pretax return on assets | 1.0698% | 3,243 |
| Return on Equity (ROE) | 7.5715% | 3,427 |
| Retained earnings to average equity (ytd only) | 7.5715% | 1,811 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1228% | 2,025 |
| Assets per employee ($millions) | 5.1258% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 1,350 |
| Loan loss allowance to noncurrent loans | 70.0780% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.2510% | 1,061 |
| Noncurrent loans to loans | 2.1366% | 678 |
| Net loans and leases to total assets | 57.6750% | 3,925 |
| Net loans and leases to deposits | 65.8816% | 4,059 |
| Net loans and leases to core deposits | 68.0472% | 4,174 |
| Total domestic deposits to total assets | 87.5434% | 1,552 |
| Equity capital to assets | 11.4884% | 2,409 |
| Core capital (leverage) ratio | 11.5528% | 2,101 |
| Tier 1 risk-based capital ratio | 17.6733% | 1,888 |
| Total risk-based capital ratio | 18.9244% | 1,844 |
| Memoranda: | ||
| Average total assets | $81,509,500 | 4,394 |
| Average earning assets | $74,210,000 | 4,411 |
| Average equity | $9,298,000 | 4,422 |
| Average total loans | $48,258,500 | 4,346 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0889% | 3,771 |
| Cost of funding earning assets | 0.4360% | 3,768 |
| Net interest margin | 3.6529% | 3,210 |
| Noninterest income to average assets | 0.6128% | 2,228 |
| Noninterest expense to average assets | 2.7368% | 2,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9787% | 3,103 |
| Return on assets (ROA) | 0.9787% | 3,105 |
| Pretax return on assets | 1.2170% | 2,824 |
| Return on Equity (ROE) | 9.1150% | 2,938 |
| Retained earnings to average equity (ytd only) | 7.7676% | 1,342 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2189% | 2,341 |
| Assets per employee ($millions) | 5.0629% | 2,416 |
| Cash dividends to net income (ytd only)* | 14.7826% | 3,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 1,343 |
| Loan loss allowance to noncurrent loans | 10,271.4286% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 4,865 |
| Noncurrent loans to loans | 0.0144% | 4,735 |
| Net loans and leases to total assets | 58.9808% | 3,876 |
| Net loans and leases to deposits | 67.1832% | 4,031 |
| Net loans and leases to core deposits | 69.4014% | 4,140 |
| Total domestic deposits to total assets | 87.7910% | 1,395 |
| Equity capital to assets | 11.3251% | 2,389 |
| Core capital (leverage) ratio | 11.2452% | 2,313 |
| Tier 1 risk-based capital ratio | 17.2558% | 1,971 |
| Total risk-based capital ratio | 18.5081% | 1,924 |
| Memoranda: | ||
| Average total assets | $82,250,800 | 4,399 |
| Average earning assets | $75,227,600 | 4,399 |
| Average equity | $8,831,600 | 4,478 |
| Average total loans | $46,481,600 | 4,387 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0201% | 3,868 |
| Cost of funding earning assets | 0.4218% | 3,715 |
| Net interest margin | 3.5984% | 3,374 |
| Noninterest income to average assets | 0.5797% | 2,418 |
| Noninterest expense to average assets | 2.7470% | 2,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9108% | 3,480 |
| Return on assets (ROA) | 0.9108% | 3,485 |
| Pretax return on assets | 1.1256% | 3,292 |
| Return on Equity (ROE) | 8.5980% | 3,291 |
| Retained earnings to average equity (ytd only) | 7.6986% | 1,795 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9341% | 2,047 |
| Assets per employee ($millions) | 5.1071% | 2,331 |
| Cash dividends to net income (ytd only)* | 10.4604% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5170% | 1,287 |
| Loan loss allowance to noncurrent loans | 7,988.8889% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 4,958 |
| Noncurrent loans to loans | 0.0190% | 4,826 |
| Net loans and leases to total assets | 57.1219% | 4,124 |
| Net loans and leases to deposits | 64.7406% | 4,292 |
| Net loans and leases to core deposits | 66.5649% | 4,377 |
| Total domestic deposits to total assets | 88.2320% | 1,144 |
| Equity capital to assets | 10.9677% | 2,691 |
| Core capital (leverage) ratio | 11.0824% | 2,502 |
| Tier 1 risk-based capital ratio | 17.0903% | 2,070 |
| Total risk-based capital ratio | 18.3423% | 2,011 |
| Memoranda: | ||
| Average total assets | $82,562,000 | 4,432 |
| Average earning assets | $75,551,000 | 4,436 |
| Average equity | $8,746,000 | 4,535 |
| Average total loans | $45,977,750 | 4,450 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9596% | 3,900 |
| Cost of funding earning assets | 0.4171% | 3,593 |
| Net interest margin | 3.5425% | 3,494 |
| Noninterest income to average assets | 0.6011% | 2,320 |
| Noninterest expense to average assets | 2.7811% | 2,719 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8619% | 3,621 |
| Return on assets (ROA) | 0.8619% | 3,620 |
| Pretax return on assets | 1.0598% | 3,476 |
| Return on Equity (ROE) | 8.2315% | 3,404 |
| Retained earnings to average equity (ytd only) | 6.8711% | 2,130 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4073% | 1,932 |
| Assets per employee ($millions) | 4.7773% | 2,710 |
| Cash dividends to net income (ytd only)* | 16.5266% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 1,235 |
| Loan loss allowance to noncurrent loans | 7,190.0000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 4,979 |
| Noncurrent loans to loans | 0.0216% | 4,835 |
| Net loans and leases to total assets | 56.1898% | 4,149 |
| Net loans and leases to deposits | 63.5023% | 4,317 |
| Net loans and leases to core deposits | 65.2903% | 4,407 |
| Total domestic deposits to total assets | 88.4847% | 1,148 |
| Equity capital to assets | 10.8159% | 2,824 |
| Core capital (leverage) ratio | 10.7313% | 2,771 |
| Tier 1 risk-based capital ratio | 17.0026% | 2,095 |
| Total risk-based capital ratio | 18.2542% | 2,045 |
| Memoranda: | ||
| Average total assets | $82,845,000 | 4,472 |
| Average earning assets | $75,764,670 | 4,476 |
| Average equity | $8,674,000 | 4,585 |
| Average total loans | $45,505,330 | 4,506 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7886% | 4,248 |
| Cost of funding earning assets | 0.4285% | 3,379 |
| Net interest margin | 3.3601% | 4,022 |
| Noninterest income to average assets | 0.6311% | 2,121 |
| Noninterest expense to average assets | 2.7540% | 2,864 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7793% | 3,795 |
| Return on assets (ROA) | 0.7793% | 3,793 |
| Pretax return on assets | 0.9515% | 3,701 |
| Return on Equity (ROE) | 7.5647% | 3,551 |
| Retained earnings to average equity (ytd only) | 7.5647% | 2,006 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3226% | 1,854 |
| Assets per employee ($millions) | 4.8773% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 1,162 |
| Loan loss allowance to noncurrent loans | 164.9083% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.5258% | 2,769 |
| Noncurrent loans to loans | 0.9692% | 1,880 |
| Net loans and leases to total assets | 53.3903% | 4,338 |
| Net loans and leases to deposits | 60.1508% | 4,460 |
| Net loans and leases to core deposits | 61.7983% | 4,564 |
| Total domestic deposits to total assets | 88.7606% | 1,227 |
| Equity capital to assets | 10.4590% | 3,118 |
| Core capital (leverage) ratio | 10.3289% | 3,152 |
| Tier 1 risk-based capital ratio | 17.5764% | 1,953 |
| Total risk-based capital ratio | 18.8297% | 1,906 |
| Memoranda: | ||
| Average total assets | $83,660,500 | 4,503 |
| Average earning assets | $76,545,000 | 4,517 |
| Average equity | $8,619,000 | 4,640 |
| Average total loans | $45,081,500 | 4,564 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7205% | 4,290 |
| Cost of funding earning assets | 0.4091% | 3,173 |
| Net interest margin | 3.3115% | 4,119 |
| Noninterest income to average assets | 0.4773% | 3,146 |
| Noninterest expense to average assets | 2.6949% | 3,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4920% | 4,394 |
| Return on assets (ROA) | 0.4928% | 4,427 |
| Pretax return on assets | 0.8094% | 4,217 |
| Return on Equity (ROE) | 4.8766% | 4,212 |
| Retained earnings to average equity (ytd only) | 3.4748% | 3,197 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9283% | 1,495 |
| Assets per employee ($millions) | 4.9651% | 2,523 |
| Cash dividends to net income (ytd only)* | 28.7440% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 1,160 |
| Loan loss allowance to noncurrent loans | 162.3025% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.6623% | 2,333 |
| Noncurrent loans to loans | 0.9806% | 1,808 |
| Net loans and leases to total assets | 52.6698% | 4,469 |
| Net loans and leases to deposits | 59.1113% | 4,633 |
| Net loans and leases to core deposits | 60.4824% | 4,734 |
| Total domestic deposits to total assets | 89.1028% | 959 |
| Equity capital to assets | 10.1484% | 3,540 |
| Core capital (leverage) ratio | 10.1922% | 3,204 |
| Tier 1 risk-based capital ratio | 17.2717% | 2,007 |
| Total risk-based capital ratio | 18.5249% | 1,954 |
| Memoranda: | ||
| Average total assets | $84,011,200 | 4,512 |
| Average earning assets | $76,763,200 | 4,526 |
| Average equity | $8,489,600 | 4,706 |
| Average total loans | $43,733,600 | 4,622 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7062% | 4,309 |
| Cost of funding earning assets | 0.4035% | 3,157 |
| Net interest margin | 3.3027% | 4,168 |
| Noninterest income to average assets | 0.5180% | 2,916 |
| Noninterest expense to average assets | 2.6964% | 3,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6292% | 4,276 |
| Return on assets (ROA) | 0.6292% | 4,328 |
| Pretax return on assets | 0.8390% | 4,242 |
| Return on Equity (ROE) | 6.2333% | 4,020 |
| Retained earnings to average equity (ytd only) | 5.3045% | 2,678 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2697% | 1,550 |
| Assets per employee ($millions) | 4.8816% | 2,595 |
| Cash dividends to net income (ytd only)* | 14.8980% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 1,307 |
| Loan loss allowance to noncurrent loans | 149.7917% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.7122% | 2,374 |
| Noncurrent loans to loans | 1.0475% | 1,847 |
| Net loans and leases to total assets | 54.3488% | 4,386 |
| Net loans and leases to deposits | 61.1749% | 4,577 |
| Net loans and leases to core deposits | 63.0617% | 4,649 |
| Total domestic deposits to total assets | 88.8418% | 953 |
| Equity capital to assets | 10.4172% | 3,456 |
| Core capital (leverage) ratio | 10.2819% | 3,221 |
| Tier 1 risk-based capital ratio | 17.2496% | 2,075 |
| Total risk-based capital ratio | 18.5031% | 2,033 |
| Memoranda: | ||
| Average total assets | $83,912,250 | 4,560 |
| Average earning assets | $76,662,750 | 4,573 |
| Average equity | $8,470,500 | 4,753 |
| Average total loans | $43,373,000 | 4,677 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6146% | 4,474 |
| Cost of funding earning assets | 0.3970% | 3,104 |
| Net interest margin | 3.2176% | 4,359 |
| Noninterest income to average assets | 0.5106% | 2,959 |
| Noninterest expense to average assets | 2.6644% | 3,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5961% | 4,325 |
| Return on assets (ROA) | 0.5961% | 4,371 |
| Pretax return on assets | 0.7908% | 4,304 |
| Return on Equity (ROE) | 5.9674% | 4,064 |
| Retained earnings to average equity (ytd only) | 4.5647% | 2,991 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1134% | 1,570 |
| Assets per employee ($millions) | 4.9181% | 2,486 |
| Cash dividends to net income (ytd only)* | 23.5060% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6612% | 1,126 |
| Loan loss allowance to noncurrent loans | 144.9597% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.7176% | 2,412 |
| Noncurrent loans to loans | 1.1459% | 1,708 |
| Net loans and leases to total assets | 50.9090% | 4,647 |
| Net loans and leases to deposits | 57.1153% | 4,795 |
| Net loans and leases to core deposits | 58.5579% | 4,896 |
| Total domestic deposits to total assets | 89.1338% | 898 |
| Equity capital to assets | 10.1785% | 3,696 |
| Core capital (leverage) ratio | 10.0616% | 3,452 |
| Tier 1 risk-based capital ratio | 18.1274% | 1,817 |
| Total risk-based capital ratio | 19.3817% | 1,774 |
| Memoranda: | ||
| Average total assets | $84,220,330 | 4,590 |
| Average earning assets | $77,076,670 | 4,588 |
| Average equity | $8,412,330 | 4,782 |
| Average total loans | $42,556,670 | 4,729 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3835% | 4,964 |
| Cost of funding earning assets | 0.3926% | 3,075 |
| Net interest margin | 2.9909% | 4,906 |
| Noninterest income to average assets | 0.5537% | 2,641 |
| Noninterest expense to average assets | 2.6501% | 3,305 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5016% | 4,584 |
| Return on assets (ROA) | 0.5016% | 4,613 |
| Pretax return on assets | 0.6436% | 4,615 |
| Return on Equity (ROE) | 5.0696% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.0696% | 2,849 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4598% | 1,325 |
| Assets per employee ($millions) | 5.0459% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6589% | 1,231 |
| Loan loss allowance to noncurrent loans | 130.4900% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.6423% | 2,707 |
| Noncurrent loans to loans | 1.2713% | 1,585 |
| Net loans and leases to total assets | 49.6870% | 4,694 |
| Net loans and leases to deposits | 55.5393% | 4,849 |
| Net loans and leases to core deposits | 56.8969% | 4,929 |
| Total domestic deposits to total assets | 89.4627% | 917 |
| Equity capital to assets | 9.8145% | 3,959 |
| Core capital (leverage) ratio | 9.9860% | 3,513 |
| Tier 1 risk-based capital ratio | 18.0242% | 1,868 |
| Total risk-based capital ratio | 19.2777% | 1,826 |
| Memoranda: | ||
| Average total assets | $84,526,500 | 4,631 |
| Average earning assets | $77,434,500 | 4,623 |
| Average equity | $8,363,500 | 4,831 |
| Average total loans | $42,193,500 | 4,784 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8388% | 3,775 |
| Cost of funding earning assets | 0.4144% | 2,872 |
| Net interest margin | 3.4244% | 3,728 |
| Noninterest income to average assets | 0.6785% | 2,270 |
| Noninterest expense to average assets | 2.8129% | 2,981 |
| Loan and lease loss provision to assets | 0.1112% | 2,206 |
| Net operating income to assets | 0.6194% | 4,128 |
| Return on assets (ROA) | 0.6365% | 4,175 |
| Pretax return on assets | 0.8726% | 3,934 |
| Return on Equity (ROE) | 6.3077% | 3,842 |
| Retained earnings to average equity (ytd only) | 4.8502% | 2,446 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5496% | 2,218 |
| Assets per employee ($millions) | 4.8984% | 2,507 |
| Cash dividends to net income (ytd only)* | 23.1068% | 3,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7517% | 1,039 |
| Loan loss allowance to noncurrent loans | 1,753.6585% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 5,145 |
| Noncurrent loans to loans | 0.0999% | 4,839 |
| Net loans and leases to total assets | 48.4280% | 4,865 |
| Net loans and leases to deposits | 54.2022% | 5,002 |
| Net loans and leases to core deposits | 55.5828% | 5,065 |
| Total domestic deposits to total assets | 89.3470% | 928 |
| Equity capital to assets | 9.9769% | 3,750 |
| Core capital (leverage) ratio | 9.9402% | 3,571 |
| Tier 1 risk-based capital ratio | 18.5054% | 1,726 |
| Total risk-based capital ratio | 19.7606% | 1,690 |
| Memoranda: | ||
| Average total assets | $80,911,600 | 4,720 |
| Average earning assets | $73,122,000 | 4,735 |
| Average equity | $8,164,600 | 4,903 |
| Average total loans | $44,941,400 | 4,716 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9287% | 3,499 |
| Cost of funding earning assets | 0.4244% | 2,785 |
| Net interest margin | 3.5043% | 3,449 |
| Noninterest income to average assets | 0.6673% | 2,334 |
| Noninterest expense to average assets | 2.8402% | 2,868 |
| Loan and lease loss provision to assets | 0.1494% | 1,568 |
| Net operating income to assets | 0.6094% | 4,256 |
| Return on assets (ROA) | 0.6324% | 4,282 |
| Pretax return on assets | 0.8615% | 4,116 |
| Return on Equity (ROE) | 6.2493% | 3,955 |
| Retained earnings to average equity (ytd only) | 5.2815% | 2,642 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3590% | 2,214 |
| Assets per employee ($millions) | 4.7901% | 2,624 |
| Cash dividends to net income (ytd only)* | 15.4846% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6467% | 1,332 |
| Loan loss allowance to noncurrent loans | 1,672.0930% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 5,250 |
| Noncurrent loans to loans | 0.0985% | 4,948 |
| Net loans and leases to total assets | 52.7379% | 4,591 |
| Net loans and leases to deposits | 59.1716% | 4,812 |
| Net loans and leases to core deposits | 61.1473% | 4,880 |
| Total domestic deposits to total assets | 89.1270% | 835 |
| Equity capital to assets | 10.1804% | 3,940 |
| Core capital (leverage) ratio | 10.0223% | 3,542 |
| Tier 1 risk-based capital ratio | 18.3953% | 1,809 |
| Total risk-based capital ratio | 19.6497% | 1,772 |
| Memoranda: | ||
| Average total assets | $80,321,500 | 4,768 |
| Average earning assets | $72,252,500 | 4,789 |
| Average equity | $8,128,750 | 4,960 |
| Average total loans | $45,915,250 | 4,734 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0273% | 3,154 |
| Cost of funding earning assets | 0.4167% | 2,869 |
| Net interest margin | 3.6106% | 3,059 |
| Noninterest income to average assets | 0.6154% | 2,540 |
| Noninterest expense to average assets | 2.8442% | 2,859 |
| Loan and lease loss provision to assets | 0.1501% | 1,529 |
| Net operating income to assets | 0.6252% | 4,168 |
| Return on assets (ROA) | 0.6604% | 4,140 |
| Pretax return on assets | 0.8980% | 3,961 |
| Return on Equity (ROE) | 6.5387% | 3,783 |
| Retained earnings to average equity (ytd only) | 5.0774% | 2,679 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9753% | 2,363 |
| Assets per employee ($millions) | 5.0765% | 2,225 |
| Cash dividends to net income (ytd only)* | 22.3485% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4512% | 2,061 |
| Loan loss allowance to noncurrent loans | 2,551.8519% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 5,456 |
| Noncurrent loans to loans | 0.0569% | 5,229 |
| Net loans and leases to total assets | 57.6061% | 4,155 |
| Net loans and leases to deposits | 64.5192% | 4,455 |
| Net loans and leases to core deposits | 66.4319% | 4,575 |
| Total domestic deposits to total assets | 89.2852% | 768 |
| Equity capital to assets | 10.0598% | 4,151 |
| Core capital (leverage) ratio | 9.8554% | 3,742 |
| Tier 1 risk-based capital ratio | 17.8349% | 1,981 |
| Total risk-based capital ratio | 19.0891% | 1,935 |
| Memoranda: | ||
| Average total assets | $79,951,670 | 4,817 |
| Average earning assets | $71,512,000 | 4,849 |
| Average equity | $8,075,000 | 5,008 |
| Average total loans | $46,665,670 | 4,750 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0405% | 3,066 |
| Cost of funding earning assets | 0.4046% | 3,016 |
| Net interest margin | 3.6359% | 2,934 |
| Noninterest income to average assets | 0.6455% | 2,288 |
| Noninterest expense to average assets | 2.8343% | 2,940 |
| Loan and lease loss provision to assets | 0.1513% | 1,402 |
| Net operating income to assets | 0.6556% | 3,949 |
| Return on assets (ROA) | 0.6556% | 4,071 |
| Pretax return on assets | 0.8775% | 3,943 |
| Return on Equity (ROE) | 6.4781% | 3,738 |
| Retained earnings to average equity (ytd only) | 6.4781% | 2,148 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3681% | 2,580 |
| Assets per employee ($millions) | 5.0399% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 2,346 |
| Loan loss allowance to noncurrent loans | 2,353.5714% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 5,500 |
| Noncurrent loans to loans | 0.0602% | 5,241 |
| Net loans and leases to total assets | 56.8608% | 4,165 |
| Net loans and leases to deposits | 63.7258% | 4,459 |
| Net loans and leases to core deposits | 65.3908% | 4,585 |
| Total domestic deposits to total assets | 89.2273% | 983 |
| Equity capital to assets | 10.0435% | 4,028 |
| Core capital (leverage) ratio | 10.1356% | 3,385 |
| Tier 1 risk-based capital ratio | 17.4434% | 2,140 |
| Total risk-based capital ratio | 18.6969% | 2,106 |
| Memoranda: | ||
| Average total assets | $79,315,500 | 4,871 |
| Average earning assets | $70,189,500 | 4,923 |
| Average equity | $8,027,000 | 5,053 |
| Average total loans | $46,259,000 | 4,801 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0775% | 3,014 |
| Cost of funding earning assets | 0.3983% | 3,183 |
| Net interest margin | 3.6792% | 2,832 |
| Noninterest income to average assets | 0.8595% | 1,572 |
| Noninterest expense to average assets | 2.9427% | 2,721 |
| Loan and lease loss provision to assets | 0.1364% | 1,740 |
| Net operating income to assets | 0.8186% | 3,254 |
| Return on assets (ROA) | 0.8186% | 3,334 |
| Pretax return on assets | 1.0191% | 3,384 |
| Return on Equity (ROE) | 7.7606% | 3,102 |
| Retained earnings to average equity (ytd only) | 6.2214% | 1,689 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8043% | 2,937 |
| Assets per employee ($millions) | 4.5878% | 2,901 |
| Cash dividends to net income (ytd only)* | 19.8333% | 3,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 2,571 |
| Loan loss allowance to noncurrent loans | 1,906.0606% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 5,513 |
| Noncurrent loans to loans | 0.0717% | 5,222 |
| Net loans and leases to total assets | 58.1829% | 4,058 |
| Net loans and leases to deposits | 65.3240% | 4,369 |
| Net loans and leases to core deposits | 66.8996% | 4,515 |
| Total domestic deposits to total assets | 89.0681% | 1,089 |
| Equity capital to assets | 10.1998% | 3,751 |
| Core capital (leverage) ratio | 10.1952% | 3,268 |
| Tier 1 risk-based capital ratio | 17.4949% | 2,126 |
| Total risk-based capital ratio | 18.7472% | 2,074 |
| Memoranda: | ||
| Average total assets | $73,299,800 | 5,006 |
| Average earning assets | $64,524,200 | 5,074 |
| Average equity | $7,731,400 | 5,099 |
| Average total loans | $41,474,600 | 4,948 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0285% | 3,220 |
| Cost of funding earning assets | 0.3911% | 3,310 |
| Net interest margin | 3.6374% | 3,007 |
| Noninterest income to average assets | 0.9631% | 1,282 |
| Noninterest expense to average assets | 2.9207% | 2,780 |
| Loan and lease loss provision to assets | 0.1294% | 1,749 |
| Net operating income to assets | 0.9095% | 2,920 |
| Return on assets (ROA) | 0.9095% | 3,011 |
| Pretax return on assets | 1.1110% | 3,173 |
| Return on Equity (ROE) | 8.5464% | 2,798 |
| Retained earnings to average equity (ytd only) | 7.5216% | 1,437 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1910% | 3,177 |
| Assets per employee ($millions) | 4.3750% | 3,205 |
| Cash dividends to net income (ytd only)* | 11.9912% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 3,144 |
| Loan loss allowance to noncurrent loans | 1,711.4286% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 5,585 |
| Noncurrent loans to loans | 0.0755% | 5,325 |
| Net loans and leases to total assets | 61.5382% | 3,667 |
| Net loans and leases to deposits | 69.4122% | 4,053 |
| Net loans and leases to core deposits | 70.2992% | 4,345 |
| Total domestic deposits to total assets | 88.6561% | 1,199 |
| Equity capital to assets | 10.6635% | 3,394 |
| Core capital (leverage) ratio | 10.4673% | 3,075 |
| Tier 1 risk-based capital ratio | 17.6359% | 2,143 |
| Total risk-based capital ratio | 18.8879% | 2,102 |
| Memoranda: | ||
| Average total assets | $72,126,750 | 5,097 |
| Average earning assets | $63,413,750 | 5,161 |
| Average equity | $7,675,500 | 5,185 |
| Average total loans | $40,341,500 | 5,047 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9770% | 3,384 |
| Cost of funding earning assets | 0.3874% | 3,401 |
| Net interest margin | 3.5896% | 3,129 |
| Noninterest income to average assets | 0.6557% | 2,448 |
| Noninterest expense to average assets | 2.9533% | 2,707 |
| Loan and lease loss provision to assets | 0.0560% | 2,985 |
| Net operating income to assets | 0.5940% | 4,376 |
| Return on assets (ROA) | 0.5940% | 4,467 |
| Pretax return on assets | 0.7621% | 4,448 |
| Return on Equity (ROE) | 5.5861% | 4,332 |
| Retained earnings to average equity (ytd only) | 4.0314% | 3,449 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3061% | 2,021 |
| Assets per employee ($millions) | 4.5599% | 2,885 |
| Cash dividends to net income (ytd only)* | 27.8302% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 3,122 |
| 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 | 56.1350% | 4,323 |
| Net loans and leases to deposits | 63.3057% | 4,592 |
| Net loans and leases to core deposits | 64.1275% | 4,803 |
| Total domestic deposits to total assets | 88.6729% | 1,313 |
| Equity capital to assets | 10.4841% | 3,455 |
| Core capital (leverage) ratio | 10.4090% | 3,077 |
| Tier 1 risk-based capital ratio | 17.5037% | 2,220 |
| Total risk-based capital ratio | 18.7551% | 2,173 |
| Memoranda: | ||
| Average total assets | $71,377,330 | 5,173 |
| Average earning assets | $61,956,670 | 5,255 |
| Average equity | $7,590,330 | 5,244 |
| Average total loans | $38,332,670 | 5,170 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7792% | 4,094 |
| Cost of funding earning assets | 0.3871% | 3,444 |
| Net interest margin | 3.3921% | 3,877 |
| Noninterest income to average assets | 0.6460% | 2,420 |
| Noninterest expense to average assets | 2.9637% | 2,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5383% | 4,520 |
| Return on assets (ROA) | 0.5383% | 4,634 |
| Pretax return on assets | 0.6120% | 4,883 |
| Return on Equity (ROE) | 5.0258% | 4,515 |
| Retained earnings to average equity (ytd only) | 5.0258% | 3,042 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8843% | 1,510 |
| Assets per employee ($millions) | 4.5584% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 2,814 |
| 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 | 50.2146% | 4,822 |
| Net loans and leases to deposits | 56.5272% | 5,017 |
| Net loans and leases to core deposits | 56.7462% | 5,204 |
| Total domestic deposits to total assets | 88.8325% | 1,373 |
| Equity capital to assets | 10.4422% | 3,597 |
| Core capital (leverage) ratio | 10.4994% | 2,961 |
| Tier 1 risk-based capital ratio | 19.1477% | 1,828 |
| Total risk-based capital ratio | 20.3993% | 1,783 |
| Memoranda: | ||
| Average total assets | $70,587,000 | 5,242 |
| Average earning assets | $60,966,000 | 5,331 |
| Average equity | $7,561,000 | 5,289 |
| Average total loans | $36,747,000 | 5,263 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0127% | 3,685 |
| Cost of funding earning assets | 0.3805% | 3,900 |
| Net interest margin | 3.6322% | 3,284 |
| Noninterest income to average assets | 0.7159% | 2,234 |
| Noninterest expense to average assets | 3.2254% | 2,144 |
| Loan and lease loss provision to assets | 0.0151% | 4,309 |
| Net operating income to assets | 0.5064% | 4,791 |
| Return on assets (ROA) | 0.5064% | 4,871 |
| Pretax return on assets | 0.5833% | 4,994 |
| Return on Equity (ROE) | 4.5314% | 4,873 |
| Retained earnings to average equity (ytd only) | 2.9265% | 4,161 |
| Net charge-offs to loans | -0.0200% | 5,702 |
| Credit loss provision to net charge-offs | -142.8571% | 5,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3516% | 1,367 |
| Assets per employee ($millions) | 3.7911% | 4,359 |
| Cash dividends to net income (ytd only)* | 35.4167% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 2,667 |
| Loan loss allowance to noncurrent loans | 2,034.6154% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 5,888 |
| Noncurrent loans to loans | 0.0715% | 5,592 |
| Net loans and leases to total assets | 52.4803% | 4,744 |
| Net loans and leases to deposits | 59.4360% | 4,950 |
| Net loans and leases to core deposits | 59.4360% | 5,178 |
| Total domestic deposits to total assets | 88.2970% | 1,618 |
| Equity capital to assets | 10.9996% | 2,898 |
| Core capital (leverage) ratio | 10.9310% | 2,467 |
| Tier 1 risk-based capital ratio | 18.6599% | 1,943 |
| Total risk-based capital ratio | 19.9116% | 1,908 |
| Memoranda: | ||
| Average total assets | $66,349,200 | 5,385 |
| Average earning assets | $56,770,400 | 5,500 |
| Average equity | $7,415,000 | 5,322 |
| Average total loans | $34,944,600 | 5,366 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9915% | 3,793 |
| Cost of funding earning assets | 0.3738% | 4,088 |
| Net interest margin | 3.6177% | 3,358 |
| Noninterest income to average assets | 0.6922% | 2,369 |
| Noninterest expense to average assets | 3.1371% | 2,359 |
| Loan and lease loss provision to assets | 0.0202% | 4,000 |
| Net operating income to assets | 0.5363% | 4,730 |
| Return on assets (ROA) | 0.5363% | 4,802 |
| Pretax return on assets | 0.6294% | 4,933 |
| Return on Equity (ROE) | 4.7796% | 4,826 |
| Retained earnings to average equity (ytd only) | 3.7155% | 3,996 |
| Net charge-offs to loans | -0.0231% | 5,657 |
| Credit loss provision to net charge-offs | -166.6667% | 5,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8434% | 1,514 |
| Assets per employee ($millions) | 3.9471% | 3,992 |
| Cash dividends to net income (ytd only)* | 22.2631% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 3,075 |
| 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 | 54.5715% | 4,507 |
| Net loans and leases to deposits | 61.9846% | 4,741 |
| Net loans and leases to core deposits | 62.4380% | 5,005 |
| Total domestic deposits to total assets | 88.0404% | 1,741 |
| Equity capital to assets | 11.1757% | 2,791 |
| Core capital (leverage) ratio | 11.0200% | 2,465 |
| Tier 1 risk-based capital ratio | 18.4813% | 2,056 |
| Total risk-based capital ratio | 19.7330% | 2,018 |
| Memoranda: | ||
| Average total assets | $65,876,750 | 5,457 |
| Average earning assets | $56,351,250 | 5,567 |
| Average equity | $7,392,250 | 5,366 |
| Average total loans | $34,595,500 | 5,429 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9249% | 4,038 |
| Cost of funding earning assets | 0.3789% | 4,112 |
| Net interest margin | 3.5460% | 3,590 |
| Noninterest income to average assets | 0.6629% | 2,469 |
| Noninterest expense to average assets | 3.1588% | 2,309 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4827% | 4,880 |
| Return on assets (ROA) | 0.4827% | 4,949 |
| Pretax return on assets | 0.5346% | 5,175 |
| Return on Equity (ROE) | 4.2954% | 5,021 |
| Retained earnings to average equity (ytd only) | 2.6914% | 4,493 |
| Net charge-offs to loans | -0.0237% | 5,598 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5252% | 1,317 |
| Assets per employee ($millions) | 3.9403% | 3,970 |
| Cash dividends to net income (ytd only)* | 37.3418% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 3,061 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 6,172 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 51.8609% | 4,756 |
| Net loans and leases to deposits | 58.7492% | 4,977 |
| Net loans and leases to core deposits | 59.1776% | 5,188 |
| Total domestic deposits to total assets | 88.2750% | 1,751 |
| Equity capital to assets | 11.0517% | 2,824 |
| Core capital (leverage) ratio | 10.8940% | 2,538 |
| Tier 1 risk-based capital ratio | 18.6140% | 2,033 |
| Total risk-based capital ratio | 19.8651% | 1,989 |
| Memoranda: | ||
| Average total assets | $65,468,670 | 5,518 |
| Average earning assets | $55,950,670 | 5,625 |
| Average equity | $7,356,670 | 5,402 |
| Average total loans | $33,745,330 | 5,505 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9626% | 3,844 |
| Cost of funding earning assets | 0.3854% | 4,139 |
| Net interest margin | 3.5772% | 3,349 |
| Noninterest income to average assets | 0.6985% | 2,175 |
| Noninterest expense to average assets | 3.2020% | 2,228 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4821% | 4,776 |
| Return on assets (ROA) | 0.4821% | 4,849 |
| Pretax return on assets | 0.5378% | 5,053 |
| Return on Equity (ROE) | 4.2544% | 4,906 |
| Retained earnings to average equity (ytd only) | 4.2544% | 3,577 |
| Net charge-offs to loans | -0.0242% | 5,446 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6198% | 1,489 |
| Assets per employee ($millions) | 3.6423% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5544% | 2,902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 6,155 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 49.6522% | 4,940 |
| Net loans and leases to deposits | 56.3825% | 5,081 |
| Net loans and leases to core deposits | 56.8026% | 5,292 |
| Total domestic deposits to total assets | 88.0632% | 2,202 |
| Equity capital to assets | 11.2504% | 2,478 |
| Core capital (leverage) ratio | 11.1207% | 2,279 |
| Tier 1 risk-based capital ratio | 19.2575% | 1,890 |
| Total risk-based capital ratio | 20.5101% | 1,858 |
| Memoranda: | ||
| Average total assets | $64,710,500 | 5,602 |
| Average earning assets | $55,014,500 | 5,701 |
| Average equity | $7,333,500 | 5,441 |
| Average total loans | $32,990,500 | 5,583 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3543% | 2,758 |
| Cost of funding earning assets | 0.4309% | 4,312 |
| Net interest margin | 3.9234% | 2,205 |
| Noninterest income to average assets | 0.9878% | 1,426 |
| Noninterest expense to average assets | 3.4194% | 1,841 |
| Loan and lease loss provision to assets | 0.0964% | 3,193 |
| Net operating income to assets | 0.6649% | 3,959 |
| Return on assets (ROA) | 0.6649% | 4,058 |
| Pretax return on assets | 0.8063% | 4,120 |
| Return on Equity (ROE) | 5.7406% | 4,250 |
| Retained earnings to average equity (ytd only) | 4.0905% | 3,273 |
| Net charge-offs to loans | 0.1850% | 2,989 |
| Credit loss provision to net charge-offs | 98.3607% | 2,527 |
| Earnings coverage of net charge-offs (x) | 9.2131% | 2,536 |
| Efficiency ratio | 79.1156% | 2,300 |
| Assets per employee ($millions) | 3.5477% | 4,808 |
| Cash dividends to net income (ytd only)* | 28.7440% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5556% | 2,940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 6,233 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 50.7399% | 4,998 |
| Net loans and leases to deposits | 57.7782% | 5,145 |
| Net loans and leases to core deposits | 58.2204% | 5,378 |
| Total domestic deposits to total assets | 87.8185% | 2,295 |
| Equity capital to assets | 11.4173% | 2,226 |
| Core capital (leverage) ratio | 11.0904% | 2,305 |
| Tier 1 risk-based capital ratio | 19.1124% | 1,882 |
| Total risk-based capital ratio | 20.3639% | 1,845 |
| Memoranda: | ||
| Average total assets | $62,262,200 | 5,697 |
| Average earning assets | $52,912,800 | 5,806 |
| Average equity | $7,211,800 | 5,516 |
| Average total loans | $32,971,600 | 5,621 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 2,532 |
| Cost of funding earning assets | 0.4348% | 4,454 |
| Net interest margin | 3.9840% | 1,996 |
| Noninterest income to average assets | 0.9074% | 1,733 |
| Noninterest expense to average assets | 3.2264% | 2,280 |
| Loan and lease loss provision to assets | 0.1293% | 2,675 |
| Net operating income to assets | 0.7543% | 3,583 |
| Return on assets (ROA) | 0.7543% | 3,710 |
| Pretax return on assets | 0.9483% | 3,695 |
| Return on Equity (ROE) | 6.4886% | 3,937 |
| Retained earnings to average equity (ytd only) | 5.3947% | 2,804 |
| Net charge-offs to loans | 0.2547% | 2,286 |
| Credit loss provision to net charge-offs | 95.2381% | 2,502 |
| Earnings coverage of net charge-offs (x) | 7.9363% | 2,699 |
| Efficiency ratio | 74.9624% | 2,909 |
| Assets per employee ($millions) | 3.7531% | 4,345 |
| Cash dividends to net income (ytd only)* | 16.8560% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 3,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 6,318 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 52.2812% | 4,844 |
| Net loans and leases to deposits | 59.4271% | 5,042 |
| Net loans and leases to core deposits | 59.8804% | 5,310 |
| Total domestic deposits to total assets | 87.9755% | 2,146 |
| Equity capital to assets | 11.4352% | 2,347 |
| Core capital (leverage) ratio | 11.4808% | 2,058 |
| Tier 1 risk-based capital ratio | 18.8204% | 2,043 |
| Total risk-based capital ratio | 20.0712% | 2,006 |
| Memoranda: | ||
| Average total assets | $61,863,000 | 5,772 |
| Average earning assets | $52,743,500 | 5,876 |
| Average equity | $7,192,000 | 5,588 |
| Average total loans | $32,986,000 | 5,682 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3031% | 2,941 |
| Cost of funding earning assets | 0.4398% | 4,548 |
| Net interest margin | 3.8633% | 2,331 |
| Noninterest income to average assets | 0.9475% | 1,671 |
| Noninterest expense to average assets | 3.1887% | 2,386 |
| Loan and lease loss provision to assets | 0.1307% | 2,687 |
| Net operating income to assets | 0.7645% | 3,498 |
| Return on assets (ROA) | 0.7645% | 3,651 |
| Pretax return on assets | 0.9573% | 3,688 |
| Return on Equity (ROE) | 6.5388% | 3,861 |
| Retained earnings to average equity (ytd only) | 4.8901% | 3,125 |
| Net charge-offs to loans | 0.4588% | 1,434 |
| Credit loss provision to net charge-offs | 53.3333% | 3,153 |
| Earnings coverage of net charge-offs (x) | 4.4400% | 3,131 |
| Efficiency ratio | 74.5607% | 3,018 |
| Assets per employee ($millions) | 3.4067% | 5,044 |
| Cash dividends to net income (ytd only)* | 25.2137% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 4,095 |
| Loan loss allowance to noncurrent loans | 69.9854% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 1.1660% | 3,419 |
| Noncurrent loans to loans | 1.9834% | 2,418 |
| Net loans and leases to total assets | 55.3767% | 4,391 |
| Net loans and leases to deposits | 63.2676% | 4,590 |
| Net loans and leases to core deposits | 63.7714% | 4,919 |
| Total domestic deposits to total assets | 87.5277% | 2,525 |
| Equity capital to assets | 11.7401% | 2,096 |
| Core capital (leverage) ratio | 11.5198% | 1,921 |
| Tier 1 risk-based capital ratio | 18.5874% | 2,114 |
| Total risk-based capital ratio | 19.8379% | 2,075 |
| Memoranda: | ||
| Average total assets | $61,216,330 | 5,830 |
| Average earning assets | $52,753,000 | 5,911 |
| Average equity | $7,157,330 | 5,643 |
| Average total loans | $32,692,330 | 5,727 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2622% | 3,050 |
| Cost of funding earning assets | 0.4526% | 4,566 |
| Net interest margin | 3.8096% | 2,411 |
| Noninterest income to average assets | 0.9744% | 1,541 |
| Noninterest expense to average assets | 3.0344% | 2,881 |
| Loan and lease loss provision to assets | 0.1308% | 2,608 |
| Net operating income to assets | 0.8567% | 2,876 |
| Return on assets (ROA) | 0.8567% | 3,005 |
| Pretax return on assets | 1.1118% | 2,907 |
| Return on Equity (ROE) | 7.3425% | 3,295 |
| Retained earnings to average equity (ytd only) | 7.3425% | 2,004 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9480% | 3,797 |
| Assets per employee ($millions) | 4.1527% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6932% | 3,037 |
| Loan loss allowance to noncurrent loans | 127.2076% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.7256% | 4,553 |
| Noncurrent loans to loans | 1.3311% | 3,569 |
| Net loans and leases to total assets | 49.6789% | 5,035 |
| Net loans and leases to deposits | 56.8163% | 5,159 |
| Net loans and leases to core deposits | 57.2600% | 5,409 |
| Total domestic deposits to total assets | 87.4378% | 2,666 |
| Equity capital to assets | 11.5460% | 2,370 |
| Core capital (leverage) ratio | 11.2519% | 2,053 |
| Tier 1 risk-based capital ratio | 20.1247% | 1,736 |
| Total risk-based capital ratio | 21.3721% | 1,710 |
| Memoranda: | ||
| Average total assets | $61,164,500 | 5,879 |
| Average earning assets | $53,024,000 | 5,945 |
| Average equity | $7,136,500 | 5,704 |
| Average total loans | $31,821,000 | 5,800 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5287% | 3,283 |
| Cost of funding earning assets | 0.5762% | 4,575 |
| Net interest margin | 3.9525% | 2,596 |
| Noninterest income to average assets | 1.0258% | 1,463 |
| Noninterest expense to average assets | 2.9456% | 3,484 |
| Loan and lease loss provision to assets | 0.1084% | 4,278 |
| Net operating income to assets | 1.0358% | 2,184 |
| Return on assets (ROA) | 1.0358% | 2,387 |
| Pretax return on assets | 1.3927% | 2,061 |
| Return on Equity (ROE) | 9.0398% | 2,622 |
| Retained earnings to average equity (ytd only) | 7.3076% | 1,421 |
| Net charge-offs to loans | 0.0033% | 5,939 |
| Credit loss provision to net charge-offs | 6,500.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 900.0000% | 39 |
| Efficiency ratio | 66.2416% | 4,454 |
| Assets per employee ($millions) | 4.0026% | 3,940 |
| Cash dividends to net income (ytd only)* | 19.1626% | 3,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5950% | 3,345 |
| Loan loss allowance to noncurrent loans | 120.1405% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.7662% | 4,551 |
| Noncurrent loans to loans | 1.3276% | 3,622 |
| Net loans and leases to total assets | 52.7174% | 4,802 |
| Net loans and leases to deposits | 60.4823% | 4,975 |
| Net loans and leases to core deposits | 60.9728% | 5,274 |
| Total domestic deposits to total assets | 87.1617% | 2,733 |
| Equity capital to assets | 11.7940% | 2,188 |
| Core capital (leverage) ratio | 11.2719% | 2,037 |
| Tier 1 risk-based capital ratio | 19.4395% | 1,833 |
| Total risk-based capital ratio | 20.6844% | 1,799 |
| Memoranda: | ||
| Average total assets | $59,953,800 | 5,923 |
| Average earning assets | $51,891,400 | 5,987 |
| Average equity | $6,869,600 | 5,800 |
| Average total loans | $30,312,200 | 5,932 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5733% | 3,318 |
| Cost of funding earning assets | 0.5946% | 4,703 |
| Net interest margin | 3.9787% | 2,582 |
| Noninterest income to average assets | 1.0144% | 1,464 |
| Noninterest expense to average assets | 2.9610% | 3,366 |
| Loan and lease loss provision to assets | 0.0556% | 5,042 |
| Net operating income to assets | 1.0545% | 2,272 |
| Return on assets (ROA) | 1.0545% | 2,485 |
| Pretax return on assets | 1.4215% | 2,168 |
| Return on Equity (ROE) | 9.2710% | 2,685 |
| Retained earnings to average equity (ytd only) | 8.1171% | 1,566 |
| Net charge-offs to loans | 0.0045% | 5,701 |
| Credit loss provision to net charge-offs | 2,500.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 665.6466% | 59 |
| Efficiency ratio | 66.7168% | 4,306 |
| Assets per employee ($millions) | 3.7475% | 4,429 |
| Cash dividends to net income (ytd only)* | 12.4466% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 3,726 |
| Loan loss allowance to noncurrent loans | 131.7549% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.6354% | 5,085 |
| Noncurrent loans to loans | 1.1775% | 4,096 |
| Net loans and leases to total assets | 50.0600% | 5,307 |
| Net loans and leases to deposits | 57.1505% | 5,516 |
| Net loans and leases to core deposits | 57.6112% | 5,757 |
| Total domestic deposits to total assets | 87.5934% | 2,297 |
| Equity capital to assets | 11.7145% | 2,518 |
| Core capital (leverage) ratio | 11.2985% | 2,140 |
| Tier 1 risk-based capital ratio | 20.8484% | 1,567 |
| Total risk-based capital ratio | 22.1028% | 1,529 |
| Memoranda: | ||
| Average total assets | $59,932,500 | 5,992 |
| Average earning assets | $51,573,500 | 6,066 |
| Average equity | $6,816,750 | 5,881 |
| Average total loans | $29,849,250 | 6,030 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6377% | 3,199 |
| Cost of funding earning assets | 0.6209% | 4,709 |
| Net interest margin | 4.0168% | 2,431 |
| Noninterest income to average assets | 1.0280% | 1,383 |
| Noninterest expense to average assets | 2.9805% | 3,332 |
| Loan and lease loss provision to assets | 0.0834% | 4,554 |
| Net operating income to assets | 1.0547% | 2,227 |
| Return on assets (ROA) | 1.0547% | 2,455 |
| Pretax return on assets | 1.4185% | 2,135 |
| Return on Equity (ROE) | 9.3662% | 2,637 |
| Retained earnings to average equity (ytd only) | 7.6174% | 1,803 |
| Net charge-offs to loans | -0.0405% | 6,610 |
| Credit loss provision to net charge-offs | -416.6667% | 6,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4929% | 4,431 |
| Assets per employee ($millions) | 3.8344% | 4,234 |
| Cash dividends to net income (ytd only)* | 18.6709% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5780% | 3,679 |
| Loan loss allowance to noncurrent loans | 813.5593% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 6,459 |
| Noncurrent loans to loans | 0.1940% | 6,197 |
| Net loans and leases to total assets | 48.7979% | 5,521 |
| Net loans and leases to deposits | 55.9129% | 5,657 |
| Net loans and leases to core deposits | 56.3528% | 5,911 |
| Total domestic deposits to total assets | 87.2749% | 2,610 |
| Equity capital to assets | 11.1848% | 2,910 |
| Core capital (leverage) ratio | 10.7482% | 2,543 |
| Tier 1 risk-based capital ratio | 20.2035% | 1,662 |
| Total risk-based capital ratio | 21.4573% | 1,628 |
| Memoranda: | ||
| Average total assets | $59,923,330 | 6,030 |
| Average earning assets | $51,534,000 | 6,105 |
| Average equity | $6,747,670 | 5,915 |
| Average total loans | $29,636,000 | 6,081 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8168% | 2,568 |
| Cost of funding earning assets | 0.6522% | 4,711 |
| Net interest margin | 4.1646% | 1,869 |
| Noninterest income to average assets | 1.1214% | 1,122 |
| Noninterest expense to average assets | 3.0738% | 3,006 |
| Loan and lease loss provision to assets | 0.1689% | 3,281 |
| Net operating income to assets | 1.0201% | 2,398 |
| Return on assets (ROA) | 1.0201% | 2,592 |
| Pretax return on assets | 1.4592% | 1,992 |
| Return on Equity (ROE) | 9.0277% | 2,815 |
| Retained earnings to average equity (ytd only) | 9.0277% | 1,584 |
| Net charge-offs to loans | -0.0547% | 6,564 |
| Credit loss provision to net charge-offs | -625.0000% | 5,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3736% | 4,676 |
| Assets per employee ($millions) | 3.8290% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 3,828 |
| Loan loss allowance to noncurrent loans | 796.6667% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 6,558 |
| Noncurrent loans to loans | 0.1977% | 6,288 |
| Net loans and leases to total assets | 48.7644% | 5,461 |
| Net loans and leases to deposits | 55.3271% | 5,670 |
| Net loans and leases to core deposits | 55.7577% | 5,925 |
| Total domestic deposits to total assets | 88.1382% | 2,224 |
| Equity capital to assets | 11.0391% | 2,858 |
| Core capital (leverage) ratio | 11.0515% | 2,217 |
| Tier 1 risk-based capital ratio | 20.0550% | 1,701 |
| Total risk-based capital ratio | 21.3075% | 1,670 |
| Memoranda: | ||
| Average total assets | $59,209,500 | 6,089 |
| Average earning assets | $50,905,500 | 6,160 |
| Average equity | $6,690,500 | 5,967 |
| Average total loans | $29,245,000 | 6,151 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7162% | 4,180 |
| Cost of funding earning assets | 0.8855% | 4,216 |
| Net interest margin | 3.8307% | 3,669 |
| Noninterest income to average assets | 0.9705% | 1,447 |
| Noninterest expense to average assets | 3.0314% | 3,474 |
| Loan and lease loss provision to assets | 0.0514% | 5,947 |
| Net operating income to assets | 0.9818% | 2,270 |
| Return on assets (ROA) | 0.9910% | 2,377 |
| Pretax return on assets | 1.2894% | 2,172 |
| Return on Equity (ROE) | 9.0279% | 2,431 |
| Retained earnings to average equity (ytd only) | 7.1692% | 1,419 |
| Net charge-offs to loans | 0.1337% | 5,079 |
| Credit loss provision to net charge-offs | 78.9474% | 4,503 |
| Earnings coverage of net charge-offs (x) | 20.3947% | 1,132 |
| Efficiency ratio | 69.5242% | 4,055 |
| Assets per employee ($millions) | 3.5722% | 4,840 |
| Cash dividends to net income (ytd only)* | 20.5882% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5958% | 3,605 |
| Loan loss allowance to noncurrent loans | 345.3846% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 6,303 |
| Noncurrent loans to loans | 0.4620% | 5,788 |
| Net loans and leases to total assets | 48.4437% | 5,782 |
| Net loans and leases to deposits | 55.3351% | 5,948 |
| Net loans and leases to core deposits | 55.7990% | 6,169 |
| Total domestic deposits to total assets | 87.5461% | 2,447 |
| Equity capital to assets | 11.5790% | 2,443 |
| Core capital (leverage) ratio | 11.2158% | 2,107 |
| Tier 1 risk-based capital ratio | 20.5024% | 1,524 |
| Total risk-based capital ratio | 21.7550% | 1,491 |
| Memoranda: | ||
| Average total assets | $58,322,200 | 6,096 |
| Average earning assets | $51,609,400 | 6,135 |
| Average equity | $6,402,400 | 6,039 |
| Average total loans | $28,421,600 | 6,231 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6879% | 4,513 |
| Cost of funding earning assets | 0.9279% | 4,211 |
| Net interest margin | 3.7600% | 4,061 |
| Noninterest income to average assets | 0.9304% | 1,546 |
| Noninterest expense to average assets | 2.9730% | 3,662 |
| Loan and lease loss provision to assets | 0.0682% | 5,599 |
| Net operating income to assets | 0.9622% | 2,474 |
| Return on assets (ROA) | 0.9622% | 2,637 |
| Pretax return on assets | 1.2443% | 2,472 |
| Return on Equity (ROE) | 8.8838% | 2,656 |
| Retained earnings to average equity (ytd only) | 7.6446% | 1,648 |
| Net charge-offs to loans | 0.1731% | 4,416 |
| Credit loss provision to net charge-offs | 81.0811% | 4,111 |
| Earnings coverage of net charge-offs (x) | 15.5952% | 1,455 |
| Efficiency ratio | 69.3737% | 4,065 |
| Assets per employee ($millions) | 3.6083% | 4,743 |
| Cash dividends to net income (ytd only)* | 13.9471% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 3,978 |
| Loan loss allowance to noncurrent loans | 725.8065% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 6,679 |
| Noncurrent loans to loans | 0.2103% | 6,451 |
| Net loans and leases to total assets | 50.2841% | 5,677 |
| Net loans and leases to deposits | 57.5661% | 5,884 |
| Net loans and leases to core deposits | 58.0426% | 6,122 |
| Total domestic deposits to total assets | 87.3502% | 2,441 |
| Equity capital to assets | 11.3611% | 2,808 |
| Core capital (leverage) ratio | 10.7411% | 2,627 |
| Tier 1 risk-based capital ratio | 20.7446% | 1,513 |
| Total risk-based capital ratio | 21.9989% | 1,480 |
| Memoranda: | ||
| Average total assets | $58,614,000 | 6,128 |
| Average earning assets | $52,303,250 | 6,160 |
| Average equity | $6,348,500 | 6,095 |
| Average total loans | $28,492,750 | 6,282 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6671% | 4,674 |
| Cost of funding earning assets | 0.9798% | 4,093 |
| Net interest margin | 3.6874% | 4,324 |
| Noninterest income to average assets | 0.8080% | 1,979 |
| Noninterest expense to average assets | 2.9809% | 3,712 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8895% | 2,687 |
| Return on assets (ROA) | 0.8895% | 2,792 |
| Pretax return on assets | 1.1238% | 2,761 |
| Return on Equity (ROE) | 8.3462% | 2,785 |
| Retained earnings to average equity (ytd only) | 6.4667% | 2,159 |
| Net charge-offs to loans | -0.0639% | 7,070 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6220% | 3,614 |
| Assets per employee ($millions) | 3.7651% | 4,283 |
| Cash dividends to net income (ytd only)* | 22.5191% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 3,764 |
| Loan loss allowance to noncurrent loans | 1,059.0909% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 6,823 |
| Noncurrent loans to loans | 0.1495% | 6,608 |
| Net loans and leases to total assets | 48.0811% | 6,040 |
| Net loans and leases to deposits | 54.2619% | 6,290 |
| Net loans and leases to core deposits | 54.6840% | 6,516 |
| Total domestic deposits to total assets | 88.6093% | 1,778 |
| Equity capital to assets | 10.5939% | 3,385 |
| Core capital (leverage) ratio | 10.2532% | 2,973 |
| Tier 1 risk-based capital ratio | 19.5382% | 1,708 |
| Total risk-based capital ratio | 20.7925% | 1,680 |
| Memoranda: | ||
| Average total assets | $58,908,000 | 6,177 |
| Average earning assets | $52,666,330 | 6,202 |
| Average equity | $6,278,330 | 6,147 |
| Average total loans | $28,163,670 | 6,359 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6898% | 4,565 |
| Cost of funding earning assets | 1.0028% | 4,186 |
| Net interest margin | 3.6871% | 4,173 |
| Noninterest income to average assets | 0.7280% | 2,401 |
| Noninterest expense to average assets | 2.9601% | 3,816 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8310% | 2,878 |
| Return on assets (ROA) | 0.8310% | 2,937 |
| Pretax return on assets | 1.0508% | 2,940 |
| Return on Equity (ROE) | 7.7732% | 3,018 |
| Retained earnings to average equity (ytd only) | 7.7732% | 1,819 |
| Net charge-offs to loans | 0.0145% | 4,881 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 153.0000% | 205 |
| Efficiency ratio | 73.8014% | 3,549 |
| Assets per employee ($millions) | 3.9690% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 3,724 |
| Loan loss allowance to noncurrent loans | 253.3333% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3393% | 6,351 |
| Noncurrent loans to loans | 0.6316% | 5,773 |
| Net loans and leases to total assets | 47.1000% | 6,177 |
| Net loans and leases to deposits | 53.1271% | 6,373 |
| Net loans and leases to core deposits | 53.5430% | 6,585 |
| Total domestic deposits to total assets | 88.6554% | 1,985 |
| Equity capital to assets | 10.5484% | 3,131 |
| Core capital (leverage) ratio | 10.3639% | 2,749 |
| Tier 1 risk-based capital ratio | 19.1138% | 1,772 |
| Total risk-based capital ratio | 20.3643% | 1,737 |
| Memoranda: | ||
| Average total assets | $58,241,000 | 6,247 |
| Average earning assets | $51,857,000 | 6,277 |
| Average equity | $6,226,500 | 6,173 |
| Average total loans | $27,530,000 | 6,433 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0040% | 4,538 |
| Cost of funding earning assets | 1.3156% | 3,784 |
| Net interest margin | 3.6884% | 4,399 |
| Noninterest income to average assets | 1.0908% | 1,256 |
| Noninterest expense to average assets | 3.0940% | 3,483 |
| Loan and lease loss provision to assets | 0.0536% | 6,613 |
| Net operating income to assets | 0.9774% | 2,117 |
| Return on assets (ROA) | 0.9802% | 2,219 |
| Pretax return on assets | 1.2605% | 2,040 |
| Return on Equity (ROE) | 9.1763% | 2,228 |
| Retained earnings to average equity (ytd only) | 7.1873% | 1,244 |
| Net charge-offs to loans | 0.0741% | 6,060 |
| Credit loss provision to net charge-offs | 150.0000% | 2,411 |
| Earnings coverage of net charge-offs (x) | 36.7000% | 621 |
| Efficiency ratio | 70.2473% | 4,126 |
| Assets per employee ($millions) | 3.7965% | 4,267 |
| Cash dividends to net income (ytd only)* | 21.6758% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7242% | 3,122 |
| Loan loss allowance to noncurrent loans | 255.8659% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 6,278 |
| Noncurrent loans to loans | 0.6739% | 5,696 |
| Net loans and leases to total assets | 45.8409% | 6,568 |
| Net loans and leases to deposits | 51.9627% | 6,745 |
| Net loans and leases to core deposits | 52.3892% | 6,887 |
| Total domestic deposits to total assets | 88.2189% | 2,112 |
| Equity capital to assets | 10.8399% | 2,824 |
| Core capital (leverage) ratio | 10.3943% | 2,675 |
| Tier 1 risk-based capital ratio | 20.1282% | 1,464 |
| Total risk-based capital ratio | 21.3830% | 1,429 |
| Memoranda: | ||
| Average total assets | $56,011,400 | 6,337 |
| Average earning assets | $50,319,600 | 6,355 |
| Average equity | $5,982,800 | 6,371 |
| Average total loans | $26,987,400 | 6,553 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9993% | 4,816 |
| Cost of funding earning assets | 1.3741% | 3,750 |
| Net interest margin | 3.6252% | 4,750 |
| Noninterest income to average assets | 1.0781% | 1,234 |
| Noninterest expense to average assets | 3.1147% | 3,272 |
| Loan and lease loss provision to assets | 0.0717% | 6,343 |
| Net operating income to assets | 0.9093% | 2,568 |
| Return on assets (ROA) | 0.9131% | 2,708 |
| Pretax return on assets | 1.1570% | 2,650 |
| Return on Equity (ROE) | 8.5813% | 2,657 |
| Retained earnings to average equity (ytd only) | 7.2560% | 1,722 |
| Net charge-offs to loans | 0.1427% | 5,158 |
| Credit loss provision to net charge-offs | 103.4483% | 4,144 |
| Earnings coverage of net charge-offs (x) | 17.6532% | 1,315 |
| Efficiency ratio | 71.7906% | 3,742 |
| Assets per employee ($millions) | 3.7949% | 4,281 |
| Cash dividends to net income (ytd only)* | 15.4441% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 3,324 |
| Loan loss allowance to noncurrent loans | 1,280.0000% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 6,947 |
| Noncurrent loans to loans | 0.1291% | 6,919 |
| Net loans and leases to total assets | 46.8422% | 6,630 |
| Net loans and leases to deposits | 55.2530% | 6,669 |
| Net loans and leases to core deposits | 55.2530% | 6,901 |
| Total domestic deposits to total assets | 84.7777% | 3,736 |
| Equity capital to assets | 10.7426% | 3,237 |
| Core capital (leverage) ratio | 10.3011% | 2,915 |
| Tier 1 risk-based capital ratio | 18.7070% | 1,822 |
| Total risk-based capital ratio | 19.9598% | 1,792 |
| Memoranda: | ||
| Average total assets | $55,777,500 | 6,423 |
| Average earning assets | $50,165,750 | 6,432 |
| Average equity | $5,935,250 | 6,468 |
| Average total loans | $27,093,500 | 6,637 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9910% | 4,982 |
| Cost of funding earning assets | 1.4128% | 3,794 |
| Net interest margin | 3.5783% | 4,909 |
| Noninterest income to average assets | 0.9315% | 1,576 |
| Noninterest expense to average assets | 3.1302% | 3,183 |
| Loan and lease loss provision to assets | 0.0542% | 6,415 |
| Net operating income to assets | 0.8170% | 2,893 |
| Return on assets (ROA) | 0.8232% | 3,010 |
| Pretax return on assets | 0.9640% | 3,262 |
| Return on Equity (ROE) | 7.7613% | 2,984 |
| Retained earnings to average equity (ytd only) | 5.7529% | 2,469 |
| Net charge-offs to loans | 0.1108% | 5,051 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 18.6667% | 1,281 |
| Efficiency ratio | 75.5885% | 3,144 |
| Assets per employee ($millions) | 3.2916% | 5,453 |
| Cash dividends to net income (ytd only)* | 25.8772% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6667% | 3,200 |
| Loan loss allowance to noncurrent loans | 829.6296% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 6,898 |
| Noncurrent loans to loans | 0.2009% | 6,850 |
| Net loans and leases to total assets | 47.2354% | 6,684 |
| Net loans and leases to deposits | 55.6428% | 6,756 |
| Net loans and leases to core deposits | 55.6428% | 6,961 |
| Total domestic deposits to total assets | 84.8905% | 3,689 |
| Equity capital to assets | 10.6884% | 3,180 |
| Core capital (leverage) ratio | 10.1262% | 3,028 |
| Tier 1 risk-based capital ratio | 18.5842% | 1,811 |
| Total risk-based capital ratio | 19.7800% | 1,791 |
| Memoranda: | ||
| Average total assets | $55,395,670 | 6,476 |
| Average earning assets | $49,689,000 | 6,484 |
| Average equity | $5,875,330 | 6,503 |
| Average total loans | $27,087,330 | 6,685 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0656% | 4,701 |
| Cost of funding earning assets | 1.4404% | 3,934 |
| Net interest margin | 3.6252% | 4,598 |
| Noninterest income to average assets | 1.0161% | 1,249 |
| Noninterest expense to average assets | 3.1208% | 3,181 |
| Loan and lease loss provision to assets | 0.0508% | 6,153 |
| Net operating income to assets | 0.8782% | 2,640 |
| Return on assets (ROA) | 0.8782% | 2,718 |
| Pretax return on assets | 1.0959% | 2,743 |
| Return on Equity (ROE) | 8.3126% | 2,733 |
| Retained earnings to average equity (ytd only) | 8.3126% | 1,589 |
| Net charge-offs to loans | -0.0294% | 7,187 |
| Credit loss provision to net charge-offs | -350.0000% | 6,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1293% | 3,736 |
| Assets per employee ($millions) | 3.2639% | 5,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7308% | 2,959 |
| Loan loss allowance to noncurrent loans | 1,381.8182% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 7,060 |
| Noncurrent loans to loans | 0.1253% | 7,093 |
| Net loans and leases to total assets | 46.6596% | 6,780 |
| Net loans and leases to deposits | 54.9938% | 6,845 |
| Net loans and leases to core deposits | 54.9938% | 7,049 |
| Total domestic deposits to total assets | 84.8451% | 3,747 |
| Equity capital to assets | 10.6061% | 3,138 |
| Core capital (leverage) ratio | 10.2286% | 2,894 |
| Tier 1 risk-based capital ratio | 18.8432% | 1,757 |
| Total risk-based capital ratio | 20.0935% | 1,721 |
| Memoranda: | ||
| Average total assets | $55,114,500 | 6,566 |
| Average earning assets | $49,431,500 | 6,574 |
| Average equity | $5,822,500 | 6,582 |
| Average total loans | $27,191,000 | 6,766 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6111% | 3,546 |
| Cost of funding earning assets | 1.6870% | 4,580 |
| Net interest margin | 3.9241% | 3,177 |
| Noninterest income to average assets | 1.5143% | 629 |
| Noninterest expense to average assets | 3.5083% | 2,355 |
| Loan and lease loss provision to assets | 0.2205% | 5,597 |
| Net operating income to assets | 1.0071% | 1,815 |
| Return on assets (ROA) | 1.0071% | 1,865 |
| Pretax return on assets | 1.3508% | 1,556 |
| Return on Equity (ROE) | 9.9633% | 1,705 |
| Retained earnings to average equity (ytd only) | 7.7997% | 751 |
| Net charge-offs to loans | 0.3134% | 4,672 |
| Credit loss provision to net charge-offs | 133.3333% | 3,740 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,790 |
| Efficiency ratio | 69.0666% | 4,814 |
| Assets per employee ($millions) | 3.2201% | 5,681 |
| Cash dividends to net income (ytd only)* | 21.7153% | 3,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 3,289 |
| Loan loss allowance to noncurrent loans | 1,280.0000% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 7,046 |
| Noncurrent loans to loans | 0.1248% | 7,112 |
| Net loans and leases to total assets | 50.3964% | 6,591 |
| Net loans and leases to deposits | 59.4159% | 6,677 |
| Net loans and leases to core deposits | 65.1567% | 7,025 |
| Total domestic deposits to total assets | 84.8197% | 3,639 |
| Equity capital to assets | 10.5221% | 3,152 |
| Core capital (leverage) ratio | 10.0972% | 3,000 |
| Tier 1 risk-based capital ratio | 18.1065% | 1,859 |
| Total risk-based capital ratio | 19.3611% | 1,819 |
| Memoranda: | ||
| Average total assets | $54,413,600 | 6,545 |
| Average earning assets | $49,437,800 | 6,547 |
| Average equity | $5,500,200 | 6,768 |
| Average total loans | $28,715,600 | 6,709 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7132% | 3,279 |
| Cost of funding earning assets | 1.7414% | 4,688 |
| Net interest margin | 3.9718% | 2,936 |
| Noninterest income to average assets | 1.4503% | 707 |
| Noninterest expense to average assets | 3.4970% | 2,289 |
| Loan and lease loss provision to assets | 0.1963% | 5,423 |
| Net operating income to assets | 1.0209% | 1,986 |
| Return on assets (ROA) | 1.0209% | 2,057 |
| Pretax return on assets | 1.3841% | 1,744 |
| Return on Equity (ROE) | 10.2047% | 1,844 |
| Retained earnings to average equity (ytd only) | 8.7575% | 905 |
| Net charge-offs to loans | 0.2446% | 4,517 |
| Credit loss provision to net charge-offs | 150.9434% | 3,181 |
| Earnings coverage of net charge-offs (x) | 12.1519% | 1,789 |
| Efficiency ratio | 68.8739% | 4,813 |
| Assets per employee ($millions) | 2.9810% | 6,213 |
| Cash dividends to net income (ytd only)* | 14.1819% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6041% | 2,971 |
| Loan loss allowance to noncurrent loans | 809.0909% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 7,160 |
| Noncurrent loans to loans | 0.1983% | 7,005 |
| Net loans and leases to total assets | 50.8703% | 6,710 |
| Net loans and leases to deposits | 61.3973% | 6,726 |
| Net loans and leases to core deposits | 67.2365% | 7,099 |
| Total domestic deposits to total assets | 82.8544% | 4,300 |
| Equity capital to assets | 10.5893% | 3,413 |
| Core capital (leverage) ratio | 10.0115% | 3,266 |
| Tier 1 risk-based capital ratio | 18.0894% | 1,957 |
| Total risk-based capital ratio | 19.3412% | 1,912 |
| Memoranda: | ||
| Average total assets | $54,331,500 | 6,597 |
| Average earning assets | $49,615,250 | 6,592 |
| Average equity | $5,435,250 | 6,863 |
| Average total loans | $28,885,500 | 6,749 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8070% | 3,012 |
| Cost of funding earning assets | 1.8367% | 4,574 |
| Net interest margin | 3.9702% | 2,829 |
| Noninterest income to average assets | 1.6387% | 548 |
| Noninterest expense to average assets | 3.4863% | 2,378 |
| Loan and lease loss provision to assets | 0.2200% | 4,840 |
| Net operating income to assets | 1.1218% | 1,693 |
| Return on assets (ROA) | 1.1218% | 1,777 |
| Pretax return on assets | 1.5617% | 1,301 |
| Return on Equity (ROE) | 11.4328% | 1,578 |
| Retained earnings to average equity (ytd only) | 9.2285% | 886 |
| Net charge-offs to loans | 0.2528% | 3,939 |
| Credit loss provision to net charge-offs | 162.1622% | 2,833 |
| Earnings coverage of net charge-offs (x) | 13.1351% | 1,759 |
| Efficiency ratio | 66.1795% | 5,521 |
| Assets per employee ($millions) | 3.0131% | 6,093 |
| Cash dividends to net income (ytd only)* | 19.2810% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4933% | 3,234 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 7,252 |
| Noncurrent loans to loans | 0.1358% | 7,177 |
| Net loans and leases to total assets | 53.5153% | 6,513 |
| Net loans and leases to deposits | 66.2815% | 6,365 |
| Net loans and leases to core deposits | 71.9574% | 6,901 |
| Total domestic deposits to total assets | 80.7394% | 5,174 |
| Equity capital to assets | 10.0968% | 3,817 |
| Core capital (leverage) ratio | 9.6729% | 3,668 |
| Tier 1 risk-based capital ratio | 16.4887% | 2,450 |
| Total risk-based capital ratio | 17.7410% | 2,391 |
| Memoranda: | ||
| Average total assets | $54,556,000 | 6,654 |
| Average earning assets | $49,871,000 | 6,632 |
| Average equity | $5,353,000 | 6,946 |
| Average total loans | $29,267,000 | 6,775 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9814% | 2,438 |
| Cost of funding earning assets | 1.9562% | 4,346 |
| Net interest margin | 4.0252% | 2,554 |
| Noninterest income to average assets | 1.7253% | 455 |
| Noninterest expense to average assets | 3.4944% | 2,115 |
| Loan and lease loss provision to assets | 0.2924% | 3,616 |
| Net operating income to assets | 1.1185% | 1,900 |
| Return on assets (ROA) | 1.1185% | 2,023 |
| Pretax return on assets | 1.5937% | 1,421 |
| Return on Equity (ROE) | 11.5657% | 1,792 |
| Retained earnings to average equity (ytd only) | 11.5657% | 870 |
| Net charge-offs to loans | 0.3703% | 2,611 |
| Credit loss provision to net charge-offs | 148.1481% | 2,814 |
| Earnings coverage of net charge-offs (x) | 9.5556% | 2,047 |
| Efficiency ratio | 64.9457% | 5,516 |
| Assets per employee ($millions) | 3.1038% | 5,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 3,048 |
| Loan loss allowance to noncurrent loans | 739.6552% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 6,650 |
| Noncurrent loans to loans | 0.2014% | 6,957 |
| Net loans and leases to total assets | 50.7768% | 6,786 |
| Net loans and leases to deposits | 59.1456% | 6,961 |
| Net loans and leases to core deposits | 66.5900% | 7,216 |
| Total domestic deposits to total assets | 85.8506% | 2,792 |
| Equity capital to assets | 9.7086% | 4,373 |
| Core capital (leverage) ratio | 9.3464% | 4,177 |
| Tier 1 risk-based capital ratio | 15.7285% | 2,779 |
| Total risk-based capital ratio | 16.9807% | 2,711 |
| Memoranda: | ||
| Average total assets | $54,716,500 | 6,683 |
| Average earning assets | $49,687,500 | 6,672 |
| Average equity | $5,291,500 | 7,013 |
| Average total loans | $29,168,500 | 6,813 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0402% | 5,356 |
| Cost of funding earning assets | 2.2875% | 5,217 |
| Net interest margin | 3.7527% | 4,217 |
| Noninterest income to average assets | 0.6688% | 3,341 |
| Noninterest expense to average assets | 3.1159% | 3,640 |
| Loan and lease loss provision to assets | 0.2355% | 4,542 |
| Net operating income to assets | 0.5092% | 4,688 |
| Return on assets (ROA) | 0.5105% | 4,534 |
| Pretax return on assets | 0.7064% | 4,378 |
| Return on Equity (ROE) | 5.3778% | 4,205 |
| Retained earnings to average equity (ytd only) | 3.0164% | 3,295 |
| Net charge-offs to loans | 0.3933% | 2,847 |
| Credit loss provision to net charge-offs | 103.3058% | 5,173 |
| Earnings coverage of net charge-offs (x) | 4.1240% | 4,096 |
| Efficiency ratio | 76.8230% | 3,104 |
| Assets per employee ($millions) | 3.1509% | 5,621 |
| Cash dividends to net income (ytd only)* | 43.9114% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 3,109 |
| Loan loss allowance to noncurrent loans | 564.8649% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 6,170 |
| Noncurrent loans to loans | 0.2505% | 6,636 |
| Net loans and leases to total assets | 54.3676% | 6,616 |
| Net loans and leases to deposits | 63.5047% | 6,844 |
| Net loans and leases to core deposits | 73.4829% | 6,994 |
| Total domestic deposits to total assets | 85.6119% | 2,579 |
| Equity capital to assets | 9.6313% | 4,508 |
| Core capital (leverage) ratio | 9.5391% | 3,958 |
| Tier 1 risk-based capital ratio | 14.7914% | 3,152 |
| Total risk-based capital ratio | 16.0419% | 3,072 |
| Memoranda: | ||
| Average total assets | $53,082,400 | 6,656 |
| Average earning assets | $47,912,600 | 6,671 |
| Average equity | $5,039,200 | 7,132 |
| Average total loans | $30,762,800 | 6,660 |