Home > The Security State Bank > Performance and Condition Ratios
The Security State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6646% | 2,757 |
| Cost of funding earning assets | 0.6090% | 4,059 |
| Net interest margin | 4.0556% | 1,124 |
| Noninterest income to average assets | 0.0500% | 4,441 |
| Noninterest expense to average assets | 1.6198% | 4,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.7846% | 626 |
| Return on assets (ROA) | 1.7846% | 603 |
| Pretax return on assets | 2.3505% | 401 |
| Return on Equity (ROE) | 13.4700% | 1,613 |
| Retained earnings to average equity (ytd only) | 12.5123% | 573 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 40.7987% | 4,348 |
| Assets per employee ($millions) | 7.3979% | 1,808 |
| Cash dividends to net income (ytd only)* | 7.1429% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 2,383 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 24.3800% | 4,376 |
| Net loans and leases to deposits | 29.1087% | 4,363 |
| Net loans and leases to core deposits | 29.8914% | 4,398 |
| Total domestic deposits to total assets | 83.7500% | 2,690 |
| Equity capital to assets | 15.5991% | 499 |
| Core capital (leverage) ratio | 15.6769% | 528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.6974% | 153 |
| Memoranda: | ||
| Average total assets | $64,327,600 | 4,171 |
| Average earning assets | $62,234,200 | 4,114 |
| Average equity | $8,519,600 | 3,877 |
| Average total loans | $15,187,800 | 4,348 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6161% | 2,641 |
| Cost of funding earning assets | 0.5754% | 4,016 |
| Net interest margin | 4.0406% | 1,159 |
| Noninterest income to average assets | 0.0300% | 4,496 |
| Noninterest expense to average assets | 1.3960% | 4,401 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7354% | 751 |
| Return on assets (ROA) | 1.7354% | 737 |
| Pretax return on assets | 2.5421% | 364 |
| Return on Equity (ROE) | 13.6500% | 1,748 |
| Retained earnings to average equity (ytd only) | 12.3396% | 918 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 35.4489% | 4,457 |
| Assets per employee ($millions) | 7.4414% | 1,677 |
| Cash dividends to net income (ytd only)* | 9.6019% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 2,699 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 25.3000% | 4,387 |
| Net loans and leases to deposits | 29.9415% | 4,376 |
| Net loans and leases to core deposits | 30.7334% | 4,376 |
| Total domestic deposits to total assets | 84.4900% | 2,644 |
| Equity capital to assets | 14.7637% | 558 |
| Core capital (leverage) ratio | 14.4736% | 717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.2231% | 173 |
| Memoranda: | ||
| Average total assets | $65,613,750 | 4,174 |
| Average earning assets | $63,487,000 | 4,124 |
| Average equity | $8,341,500 | 3,896 |
| Average total loans | $15,334,500 | 4,367 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5726% | 2,476 |
| Cost of funding earning assets | 0.5342% | 3,915 |
| Net interest margin | 4.0384% | 1,181 |
| Noninterest income to average assets | 0.0300% | 4,529 |
| Noninterest expense to average assets | 1.3365% | 4,456 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9456% | 507 |
| Return on assets (ROA) | 1.9456% | 505 |
| Pretax return on assets | 2.6020% | 310 |
| Return on Equity (ROE) | 16.0600% | 1,258 |
| Retained earnings to average equity (ytd only) | 14.0619% | 666 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 33.9339% | 4,506 |
| Assets per employee ($millions) | 8.3328% | 1,168 |
| Cash dividends to net income (ytd only)* | 12.4620% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 2,795 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 22.7200% | 4,434 |
| Net loans and leases to deposits | 26.2216% | 4,435 |
| Net loans and leases to core deposits | 27.0632% | 4,433 |
| Total domestic deposits to total assets | 86.6400% | 2,041 |
| Equity capital to assets | 12.7494% | 876 |
| Core capital (leverage) ratio | 13.4229% | 899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6299% | 178 |
| Memoranda: | ||
| Average total assets | $67,641,333 | 4,168 |
| Average earning assets | $65,520,667 | 4,126 |
| Average equity | $8,192,333 | 3,933 |
| Average total loans | $15,368,333 | 4,389 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 2,002 |
| Cost of funding earning assets | 0.4903% | 3,726 |
| Net interest margin | 4.1464% | 1,037 |
| Noninterest income to average assets | 0.0200% | 4,597 |
| Noninterest expense to average assets | 1.2681% | 4,555 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0725% | 446 |
| Return on assets (ROA) | 2.0725% | 439 |
| Pretax return on assets | 2.7770% | 258 |
| Return on Equity (ROE) | 17.5600% | 1,090 |
| Retained earnings to average equity (ytd only) | 13.4843% | 1,010 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 31.3498% | 4,594 |
| Assets per employee ($millions) | 8.4826% | 1,130 |
| Cash dividends to net income (ytd only)* | 23.2295% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1672% | 2,727 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 21.5900% | 4,501 |
| Net loans and leases to deposits | 24.7257% | 4,506 |
| Net loans and leases to core deposits | 25.4978% | 4,498 |
| Total domestic deposits to total assets | 87.3000% | 2,162 |
| Equity capital to assets | 12.1366% | 960 |
| Core capital (leverage) ratio | 12.1267% | 1,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.7117% | 195 |
| Memoranda: | ||
| Average total assets | $68,131,000 | 4,221 |
| Average earning assets | $66,081,000 | 4,170 |
| Average equity | $8,039,000 | 3,995 |
| Average total loans | $15,394,000 | 4,449 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9879% | 4,146 |
| Cost of funding earning assets | 0.1476% | 4,139 |
| Net interest margin | 2.8403% | 3,809 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.3910% | 4,513 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1699% | 1,894 |
| Return on assets (ROA) | 1.1699% | 1,830 |
| Pretax return on assets | 1.5077% | 1,432 |
| Return on Equity (ROE) | 10.0100% | 2,799 |
| Retained earnings to average equity (ytd only) | 8.9553% | 1,491 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.9873% | 4,239 |
| Assets per employee ($millions) | 8.5501% | 1,070 |
| Cash dividends to net income (ytd only)* | 10.4987% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 2,972 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 23.0900% | 4,521 |
| Net loans and leases to deposits | 26.1990% | 4,521 |
| Net loans and leases to core deposits | 26.4597% | 4,521 |
| Total domestic deposits to total assets | 88.1300% | 2,026 |
| Equity capital to assets | 11.4647% | 1,097 |
| Core capital (leverage) ratio | 12.2427% | 1,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4614% | 199 |
| Memoranda: | ||
| Average total assets | $65,132,000 | 4,281 |
| Average earning assets | $62,987,400 | 4,227 |
| Average equity | $7,615,600 | 4,137 |
| Average total loans | $16,137,800 | 4,468 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6669% | 4,321 |
| Cost of funding earning assets | 0.1395% | 3,945 |
| Net interest margin | 2.5274% | 4,187 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.3558% | 4,548 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8997% | 2,864 |
| Return on assets (ROA) | 0.8997% | 2,844 |
| Pretax return on assets | 1.2584% | 2,180 |
| Return on Equity (ROE) | 7.6600% | 3,416 |
| Retained earnings to average equity (ytd only) | 6.2441% | 2,657 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.8636% | 4,023 |
| Assets per employee ($millions) | 8.2421% | 1,198 |
| Cash dividends to net income (ytd only)* | 18.4332% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 3,187 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 24.4300% | 4,534 |
| Net loans and leases to deposits | 27.6881% | 4,538 |
| Net loans and leases to core deposits | 27.9733% | 4,541 |
| Total domestic deposits to total assets | 88.2300% | 2,350 |
| Equity capital to assets | 11.4094% | 1,035 |
| Core capital (leverage) ratio | 11.9265% | 1,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5788% | 204 |
| Memoranda: | ||
| Average total assets | $64,314,750 | 4,321 |
| Average earning assets | $62,143,250 | 4,269 |
| Average equity | $7,559,000 | 4,186 |
| Average total loans | $16,180,750 | 4,502 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3185% | 4,508 |
| Cost of funding earning assets | 0.1396% | 3,714 |
| Net interest margin | 2.1789% | 4,461 |
| Noninterest income to average assets | 0.2446% | 3,704 |
| Noninterest expense to average assets | 1.3861% | 4,540 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7683% | 3,073 |
| Return on assets (ROA) | 0.7683% | 3,037 |
| Pretax return on assets | 0.9628% | 2,861 |
| Return on Equity (ROE) | 6.4721% | 3,455 |
| Retained earnings to average equity (ytd only) | 4.3587% | 2,946 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0120% | 3,439 |
| Assets per employee ($millions) | 9.5466% | 744 |
| Cash dividends to net income (ytd only)* | 32.6531% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 3,322 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 24.1493% | 4,592 |
| Net loans and leases to deposits | 27.2933% | 4,596 |
| Net loans and leases to core deposits | 28.0490% | 4,598 |
| Total domestic deposits to total assets | 88.4805% | 2,392 |
| Equity capital to assets | 11.3309% | 1,089 |
| Core capital (leverage) ratio | 12.1900% | 1,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.4337% | 159 |
| Memoranda: | ||
| Average total assets | $63,774,000 | 4,372 |
| Average earning assets | $61,592,000 | 4,328 |
| Average equity | $7,571,000 | 4,249 |
| Average total loans | $16,147,667 | 4,562 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1818% | 4,541 |
| Cost of funding earning assets | 0.1601% | 3,368 |
| Net interest margin | 2.0217% | 4,499 |
| Noninterest income to average assets | 0.0450% | 4,664 |
| Noninterest expense to average assets | 1.4008% | 4,535 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4498% | 3,844 |
| Return on assets (ROA) | 0.4498% | 3,809 |
| Pretax return on assets | 0.5912% | 3,659 |
| Return on Equity (ROE) | 3.6986% | 3,952 |
| Retained earnings to average equity (ytd only) | -0.5284% | 4,083 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3226% | 2,185 |
| Assets per employee ($millions) | 7.9198% | 1,420 |
| Cash dividends to net income (ytd only)* | 114.2857% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 3,186 |
| Loan loss allowance to noncurrent loans | 8,650.0000% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,074 |
| Noncurrent loans to loans | 0.0131% | 3,920 |
| Net loans and leases to total assets | 23.8454% | 4,614 |
| Net loans and leases to deposits | 27.1025% | 4,621 |
| Net loans and leases to core deposits | 27.8998% | 4,612 |
| Total domestic deposits to total assets | 87.9826% | 2,531 |
| Equity capital to assets | 11.7854% | 1,028 |
| Core capital (leverage) ratio | 12.0226% | 1,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.7928% | 150 |
| Memoranda: | ||
| Average total assets | $62,248,000 | 4,418 |
| Average earning assets | $59,950,500 | 4,381 |
| Average equity | $7,570,500 | 4,307 |
| Average total loans | $16,066,000 | 4,582 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3486% | 4,563 |
| Cost of funding earning assets | 0.2653% | 2,753 |
| Net interest margin | 2.0833% | 4,549 |
| Noninterest income to average assets | 0.0527% | 4,721 |
| Noninterest expense to average assets | 1.4720% | 4,569 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4309% | 4,220 |
| Return on assets (ROA) | 0.4335% | 4,259 |
| Pretax return on assets | 0.6033% | 4,102 |
| Return on Equity (ROE) | 3.4826% | 4,297 |
| Retained earnings to average equity (ytd only) | 2.4233% | 3,849 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0422% | 1,611 |
| Assets per employee ($millions) | 7.6423% | 1,529 |
| Cash dividends to net income (ytd only)* | 30.4183% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 3,637 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 27.2793% | 4,586 |
| Net loans and leases to deposits | 31.2726% | 4,597 |
| Net loans and leases to core deposits | 32.2349% | 4,601 |
| Total domestic deposits to total assets | 87.2305% | 2,420 |
| Equity capital to assets | 12.5519% | 1,041 |
| Core capital (leverage) ratio | 12.5075% | 928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.8940% | 147 |
| Memoranda: | ||
| Average total assets | $60,667,400 | 4,447 |
| Average earning assets | $58,801,000 | 4,393 |
| Average equity | $7,551,800 | 4,373 |
| Average total loans | $17,045,200 | 4,613 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2254% | 4,706 |
| Cost of funding earning assets | 0.2864% | 2,734 |
| Net interest margin | 1.9390% | 4,705 |
| Noninterest income to average assets | 0.0352% | 4,823 |
| Noninterest expense to average assets | 1.4467% | 4,645 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3268% | 4,480 |
| Return on assets (ROA) | 0.3303% | 4,505 |
| Pretax return on assets | 0.4712% | 4,404 |
| Return on Equity (ROE) | 2.6591% | 4,508 |
| Retained earnings to average equity (ytd only) | 1.2409% | 4,362 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6041% | 1,063 |
| Assets per employee ($millions) | 7.5020% | 1,570 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 3,603 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 26.8212% | 4,685 |
| Net loans and leases to deposits | 30.7829% | 4,687 |
| Net loans and leases to core deposits | 31.7495% | 4,692 |
| Total domestic deposits to total assets | 87.1301% | 2,302 |
| Equity capital to assets | 12.6200% | 1,125 |
| Core capital (leverage) ratio | 12.5641% | 963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.9640% | 151 |
| Memoranda: | ||
| Average total assets | $60,549,750 | 4,507 |
| Average earning assets | $58,655,500 | 4,457 |
| Average equity | $7,521,250 | 4,440 |
| Average total loans | $17,093,750 | 4,682 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2231% | 4,752 |
| Cost of funding earning assets | 0.3093% | 2,684 |
| Net interest margin | 1.9138% | 4,747 |
| Noninterest income to average assets | 0.0296% | 4,872 |
| Noninterest expense to average assets | 1.4293% | 4,695 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3472% | 4,468 |
| Return on assets (ROA) | 0.3524% | 4,492 |
| Pretax return on assets | 0.4611% | 4,442 |
| Return on Equity (ROE) | 2.8519% | 4,501 |
| Retained earnings to average equity (ytd only) | 0.7196% | 4,393 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8741% | 1,090 |
| Assets per employee ($millions) | 7.7448% | 1,331 |
| Cash dividends to net income (ytd only)* | 74.7664% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 3,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 24.8846% | 4,770 |
| Net loans and leases to deposits | 28.4129% | 4,779 |
| Net loans and leases to core deposits | 29.2717% | 4,787 |
| Total domestic deposits to total assets | 87.5819% | 2,049 |
| Equity capital to assets | 12.1550% | 1,296 |
| Core capital (leverage) ratio | 12.1105% | 1,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.7853% | 150 |
| Memoranda: | ||
| Average total assets | $60,727,667 | 4,532 |
| Average earning assets | $58,836,667 | 4,487 |
| Average equity | $7,503,667 | 4,468 |
| Average total loans | $17,368,333 | 4,708 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3352% | 4,747 |
| Cost of funding earning assets | 0.3503% | 2,513 |
| Net interest margin | 1.9849% | 4,743 |
| Noninterest income to average assets | 0.0399% | 4,870 |
| Noninterest expense to average assets | 1.5105% | 4,640 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2889% | 4,535 |
| Return on assets (ROA) | 0.2994% | 4,553 |
| Pretax return on assets | 0.4658% | 4,400 |
| Return on Equity (ROE) | 2.4032% | 4,561 |
| Retained earnings to average equity (ytd only) | -1.8692% | 4,527 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9492% | 1,040 |
| Assets per employee ($millions) | 7.5924% | 1,399 |
| Cash dividends to net income (ytd only)* | 177.7778% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 3,873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 28.4397% | 4,739 |
| Net loans and leases to deposits | 32.5152% | 4,757 |
| Net loans and leases to core deposits | 33.5177% | 4,765 |
| Total domestic deposits to total assets | 87.4660% | 2,110 |
| Equity capital to assets | 12.2969% | 1,148 |
| Core capital (leverage) ratio | 12.1561% | 1,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1947% | 168 |
| Memoranda: | ||
| Average total assets | $60,112,500 | 4,554 |
| Average earning assets | $58,238,500 | 4,514 |
| Average equity | $7,490,000 | 4,483 |
| Average total loans | $18,257,000 | 4,724 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2642% | 4,375 |
| Cost of funding earning assets | 0.6164% | 2,204 |
| Net interest margin | 2.6479% | 4,440 |
| Noninterest income to average assets | 0.0572% | 4,847 |
| Noninterest expense to average assets | 1.7318% | 4,573 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6621% | 3,551 |
| Return on assets (ROA) | 0.6621% | 3,676 |
| Pretax return on assets | 0.8686% | 3,456 |
| Return on Equity (ROE) | 4.8825% | 3,937 |
| Retained earnings to average equity (ytd only) | 3.8625% | 2,891 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5957% | 2,432 |
| Assets per employee ($millions) | 7.4358% | 1,321 |
| Cash dividends to net income (ytd only)* | 20.8914% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 4,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 31.7621% | 4,711 |
| Net loans and leases to deposits | 36.4566% | 4,736 |
| Net loans and leases to core deposits | 37.6097% | 4,750 |
| Total domestic deposits to total assets | 87.1230% | 1,877 |
| Equity capital to assets | 12.6265% | 1,263 |
| Core capital (leverage) ratio | 12.8787% | 931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.3493% | 211 |
| Memoranda: | ||
| Average total assets | $54,222,200 | 4,596 |
| Average earning assets | $52,079,400 | 4,556 |
| Average equity | $7,352,800 | 4,494 |
| Average total loans | $20,068,800 | 4,714 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4584% | 4,276 |
| Cost of funding earning assets | 0.6580% | 2,280 |
| Net interest margin | 2.8004% | 4,344 |
| Noninterest income to average assets | 0.0403% | 4,908 |
| Noninterest expense to average assets | 1.7263% | 4,593 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6855% | 3,504 |
| Return on assets (ROA) | 0.6855% | 3,610 |
| Pretax return on assets | 0.9954% | 3,086 |
| Return on Equity (ROE) | 4.9589% | 3,906 |
| Retained earnings to average equity (ytd only) | 3.5916% | 3,258 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4259% | 2,838 |
| Assets per employee ($millions) | 7.0161% | 1,492 |
| Cash dividends to net income (ytd only)* | 27.5735% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8174% | 4,320 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 37.3978% | 4,628 |
| Net loans and leases to deposits | 43.4102% | 4,677 |
| Net loans and leases to core deposits | 45.2998% | 4,679 |
| Total domestic deposits to total assets | 86.1498% | 2,001 |
| Equity capital to assets | 13.2302% | 1,092 |
| Core capital (leverage) ratio | 13.6508% | 797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1468% | 273 |
| Memoranda: | ||
| Average total assets | $52,906,250 | 4,633 |
| Average earning assets | $50,658,250 | 4,593 |
| Average equity | $7,313,250 | 4,517 |
| Average total loans | $20,319,250 | 4,741 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5831% | 4,289 |
| Cost of funding earning assets | 0.6884% | 2,457 |
| Net interest margin | 2.8946% | 4,317 |
| Noninterest income to average assets | 0.0424% | 4,930 |
| Noninterest expense to average assets | 1.7711% | 4,600 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7872% | 3,077 |
| Return on assets (ROA) | 0.7872% | 3,198 |
| Pretax return on assets | 1.0457% | 2,886 |
| Return on Equity (ROE) | 5.6077% | 3,629 |
| Retained earnings to average equity (ytd only) | 3.5461% | 3,154 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8767% | 2,974 |
| Assets per employee ($millions) | 6.6489% | 1,679 |
| Cash dividends to net income (ytd only)* | 36.7647% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8212% | 4,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 39.2830% | 4,635 |
| Net loans and leases to deposits | 45.8636% | 4,656 |
| Net loans and leases to core deposits | 47.9881% | 4,666 |
| Total domestic deposits to total assets | 85.6517% | 2,142 |
| Equity capital to assets | 13.8313% | 892 |
| Core capital (leverage) ratio | 14.3166% | 686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6139% | 290 |
| Memoranda: | ||
| Average total assets | $51,832,000 | 4,663 |
| Average earning assets | $49,678,000 | 4,625 |
| Average equity | $7,275,667 | 4,543 |
| Average total loans | $20,037,667 | 4,770 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7742% | 4,270 |
| Cost of funding earning assets | 0.7205% | 2,834 |
| Net interest margin | 3.0538% | 4,195 |
| Noninterest income to average assets | 0.0547% | 4,965 |
| Noninterest expense to average assets | 1.8767% | 4,570 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8211% | 2,831 |
| Return on assets (ROA) | 0.8211% | 2,920 |
| Pretax return on assets | 1.0948% | 2,541 |
| Return on Equity (ROE) | 5.8051% | 3,387 |
| Retained earnings to average equity (ytd only) | 1.6586% | 3,562 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1579% | 3,349 |
| Assets per employee ($millions) | 6.3034% | 1,458 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8872% | 4,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 38.3247% | 4,720 |
| Net loans and leases to deposits | 45.0259% | 4,743 |
| Net loans and leases to core deposits | 47.2345% | 4,750 |
| Total domestic deposits to total assets | 85.1171% | 2,369 |
| Equity capital to assets | 14.3832% | 931 |
| Core capital (leverage) ratio | 14.1911% | 861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0174% | 284 |
| Memoranda: | ||
| Average total assets | $51,152,500 | 4,693 |
| Average earning assets | $48,857,500 | 4,656 |
| Average equity | $7,235,000 | 4,581 |
| Average total loans | $19,522,500 | 4,812 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0175% | 4,217 |
| Cost of funding earning assets | 0.6965% | 3,171 |
| Net interest margin | 3.3210% | 3,942 |
| Noninterest income to average assets | 0.0826% | 4,966 |
| Noninterest expense to average assets | 1.8463% | 4,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0824% | 2,512 |
| Return on assets (ROA) | 1.0824% | 2,608 |
| Pretax return on assets | 1.4270% | 2,058 |
| Return on Equity (ROE) | 7.7304% | 3,279 |
| Retained earnings to average equity (ytd only) | 6.6507% | 1,542 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4039% | 4,154 |
| Assets per employee ($millions) | 6.4848% | 1,298 |
| Cash dividends to net income (ytd only)* | 13.9665% | 3,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8851% | 4,033 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 37.3434% | 4,811 |
| Net loans and leases to deposits | 43.5956% | 4,836 |
| Net loans and leases to core deposits | 45.3371% | 4,845 |
| Total domestic deposits to total assets | 85.6587% | 2,214 |
| Equity capital to assets | 13.9115% | 1,128 |
| Core capital (leverage) ratio | 14.0241% | 922 |
| Tier 1 risk-based capital ratio | 29.0864% | 513 |
| Total risk-based capital ratio | 29.7839% | 525 |
| Memoranda: | ||
| Average total assets | $49,613,000 | 4,759 |
| Average earning assets | $47,666,600 | 4,717 |
| Average equity | $6,946,600 | 4,649 |
| Average total loans | $19,677,200 | 4,871 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1087% | 4,132 |
| Cost of funding earning assets | 0.6886% | 3,266 |
| Net interest margin | 3.4201% | 3,808 |
| Noninterest income to average assets | 0.0489% | 5,115 |
| Noninterest expense to average assets | 1.8920% | 4,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9868% | 3,028 |
| Return on assets (ROA) | 0.9868% | 3,105 |
| Pretax return on assets | 1.4381% | 2,162 |
| Return on Equity (ROE) | 7.0358% | 3,664 |
| Retained earnings to average equity (ytd only) | 5.5821% | 2,583 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8163% | 4,082 |
| Assets per employee ($millions) | 6.3384% | 1,370 |
| Cash dividends to net income (ytd only)* | 20.6616% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 3,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 36.3756% | 4,922 |
| Net loans and leases to deposits | 42.6444% | 4,945 |
| Net loans and leases to core deposits | 44.3880% | 4,952 |
| Total domestic deposits to total assets | 85.2999% | 2,296 |
| Equity capital to assets | 13.8995% | 1,194 |
| Core capital (leverage) ratio | 14.3328% | 894 |
| Tier 1 risk-based capital ratio | 28.5923% | 534 |
| Total risk-based capital ratio | 29.2949% | 557 |
| Memoranda: | ||
| Average total assets | $49,046,750 | 4,835 |
| Average earning assets | $47,053,750 | 4,797 |
| Average equity | $6,879,000 | 4,713 |
| Average total loans | $19,710,000 | 4,943 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 4,103 |
| Cost of funding earning assets | 0.6751% | 3,298 |
| Net interest margin | 3.4486% | 3,742 |
| Noninterest income to average assets | 0.0536% | 5,155 |
| Noninterest expense to average assets | 1.9302% | 4,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0723% | 2,638 |
| Return on assets (ROA) | 1.0723% | 2,704 |
| Pretax return on assets | 1.4311% | 2,100 |
| Return on Equity (ROE) | 7.6216% | 3,444 |
| Retained earnings to average equity (ytd only) | 5.4231% | 2,559 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4233% | 4,080 |
| Assets per employee ($millions) | 6.0896% | 1,480 |
| Cash dividends to net income (ytd only)* | 28.8462% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8526% | 4,258 |
| Loan loss allowance to noncurrent loans | 1,235.7143% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 4,629 |
| Noncurrent loans to loans | 0.0690% | 4,372 |
| Net loans and leases to total assets | 41.2977% | 4,808 |
| Net loans and leases to deposits | 48.5204% | 4,836 |
| Net loans and leases to core deposits | 50.5935% | 4,857 |
| Total domestic deposits to total assets | 85.1140% | 2,427 |
| Equity capital to assets | 14.2476% | 1,031 |
| Core capital (leverage) ratio | 14.0346% | 948 |
| Tier 1 risk-based capital ratio | 26.0427% | 689 |
| Total risk-based capital ratio | 26.6922% | 705 |
| Memoranda: | ||
| Average total assets | $48,493,330 | 4,879 |
| Average earning assets | $46,511,000 | 4,844 |
| Average equity | $6,822,670 | 4,747 |
| Average total loans | $20,074,000 | 4,978 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0793% | 4,183 |
| Cost of funding earning assets | 0.6382% | 3,361 |
| Net interest margin | 3.4411% | 3,773 |
| Noninterest income to average assets | 0.0579% | 5,188 |
| Noninterest expense to average assets | 1.9264% | 4,759 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0748% | 2,565 |
| Return on assets (ROA) | 1.0748% | 2,612 |
| Pretax return on assets | 1.4303% | 1,988 |
| Return on Equity (ROE) | 7.6883% | 3,388 |
| Retained earnings to average equity (ytd only) | 3.2528% | 3,623 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3892% | 4,157 |
| Assets per employee ($millions) | 6.0479% | 1,512 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8773% | 4,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 40.3985% | 4,878 |
| Net loans and leases to deposits | 47.2891% | 4,888 |
| Net loans and leases to core deposits | 48.9617% | 4,917 |
| Total domestic deposits to total assets | 85.4288% | 2,514 |
| Equity capital to assets | 14.0545% | 1,016 |
| Core capital (leverage) ratio | 14.0215% | 946 |
| Tier 1 risk-based capital ratio | 25.6878% | 708 |
| Total risk-based capital ratio | 26.3406% | 739 |
| Memoranda: | ||
| Average total assets | $48,381,500 | 4,930 |
| Average earning assets | $46,380,000 | 4,896 |
| Average equity | $6,763,500 | 4,793 |
| Average total loans | $19,965,000 | 5,039 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8221% | 4,438 |
| Cost of funding earning assets | 0.5167% | 3,245 |
| Net interest margin | 3.3054% | 4,242 |
| Noninterest income to average assets | 0.0778% | 5,210 |
| Noninterest expense to average assets | 1.9513% | 4,818 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9418% | 3,282 |
| Return on assets (ROA) | 0.9162% | 3,368 |
| Pretax return on assets | 1.2598% | 2,657 |
| Return on Equity (ROE) | 6.5215% | 3,999 |
| Retained earnings to average equity (ytd only) | 5.7524% | 2,322 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1599% | 3,830 |
| Assets per employee ($millions) | 6.0475% | 1,486 |
| Cash dividends to net income (ytd only)* | 11.7925% | 3,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 4,342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 41.4179% | 4,898 |
| Net loans and leases to deposits | 48.3169% | 4,927 |
| Net loans and leases to core deposits | 50.0200% | 4,943 |
| Total domestic deposits to total assets | 85.7214% | 2,357 |
| Equity capital to assets | 13.9045% | 1,003 |
| Core capital (leverage) ratio | 14.4815% | 803 |
| Tier 1 risk-based capital ratio | 24.0131% | 827 |
| Total risk-based capital ratio | 24.6284% | 850 |
| Memoranda: | ||
| Average total assets | $46,278,000 | 5,011 |
| Average earning assets | $44,321,000 | 4,972 |
| Average equity | $6,501,600 | 4,827 |
| Average total loans | $20,226,000 | 5,072 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7782% | 4,483 |
| Cost of funding earning assets | 0.5076% | 3,146 |
| Net interest margin | 3.2706% | 4,357 |
| Noninterest income to average assets | 0.0641% | 5,308 |
| Noninterest expense to average assets | 1.9787% | 4,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8509% | 3,738 |
| Return on assets (ROA) | 0.8509% | 3,744 |
| Pretax return on assets | 1.2210% | 2,908 |
| Return on Equity (ROE) | 6.0404% | 4,256 |
| Retained earnings to average equity (ytd only) | 5.0062% | 3,231 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8397% | 3,537 |
| Assets per employee ($millions) | 5.6451% | 1,780 |
| Cash dividends to net income (ytd only)* | 17.1247% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8570% | 4,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 44.3148% | 4,875 |
| Net loans and leases to deposits | 52.2833% | 4,881 |
| Net loans and leases to core deposits | 54.2770% | 4,904 |
| Total domestic deposits to total assets | 84.7590% | 2,700 |
| Equity capital to assets | 14.5568% | 817 |
| Core capital (leverage) ratio | 14.4051% | 843 |
| Tier 1 risk-based capital ratio | 23.5361% | 887 |
| Total risk-based capital ratio | 24.1512% | 919 |
| Memoranda: | ||
| Average total assets | $45,752,500 | 5,078 |
| Average earning assets | $43,865,000 | 5,030 |
| Average equity | $6,445,250 | 4,887 |
| Average total loans | $20,229,750 | 5,129 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6971% | 4,592 |
| Cost of funding earning assets | 0.4945% | 3,038 |
| Net interest margin | 3.2026% | 4,497 |
| Noninterest income to average assets | 0.0653% | 5,368 |
| Noninterest expense to average assets | 1.9500% | 4,883 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9010% | 3,450 |
| Return on assets (ROA) | 0.9010% | 3,457 |
| Pretax return on assets | 1.1883% | 2,978 |
| Return on Equity (ROE) | 6.4664% | 4,073 |
| Retained earnings to average equity (ytd only) | 4.9045% | 3,122 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1359% | 3,606 |
| Assets per employee ($millions) | 5.2340% | 2,161 |
| Cash dividends to net income (ytd only)* | 24.1546% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 4,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 41.3599% | 5,011 |
| Net loans and leases to deposits | 48.2922% | 5,017 |
| Net loans and leases to core deposits | 50.0360% | 5,043 |
| Total domestic deposits to total assets | 85.6451% | 2,437 |
| Equity capital to assets | 13.7583% | 1,008 |
| Core capital (leverage) ratio | 14.2720% | 832 |
| Tier 1 risk-based capital ratio | 22.7099% | 958 |
| Total risk-based capital ratio | 23.3111% | 1,015 |
| Memoranda: | ||
| Average total assets | $45,949,670 | 5,126 |
| Average earning assets | $44,088,670 | 5,089 |
| Average equity | $6,402,330 | 4,943 |
| Average total loans | $20,244,330 | 5,190 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7475% | 4,364 |
| Cost of funding earning assets | 0.4868% | 2,889 |
| Net interest margin | 3.2607% | 4,287 |
| Noninterest income to average assets | 0.0793% | 5,397 |
| Noninterest expense to average assets | 1.8514% | 5,101 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0315% | 2,729 |
| Return on assets (ROA) | 1.0315% | 2,746 |
| Pretax return on assets | 1.3577% | 2,160 |
| Return on Equity (ROE) | 7.3550% | 3,648 |
| Retained earnings to average equity (ytd only) | 4.2118% | 3,503 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6923% | 4,388 |
| Assets per employee ($millions) | 5.7424% | 1,729 |
| Cash dividends to net income (ytd only)* | 42.7350% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 4,425 |
| Loan loss allowance to noncurrent loans | 17,300.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 5,135 |
| Noncurrent loans to loans | 0.0052% | 4,999 |
| Net loans and leases to total assets | 41.2221% | 5,014 |
| Net loans and leases to deposits | 48.1465% | 5,036 |
| Net loans and leases to core deposits | 49.9235% | 5,047 |
| Total domestic deposits to total assets | 85.6179% | 2,705 |
| Equity capital to assets | 13.8880% | 921 |
| Core capital (leverage) ratio | 14.8236% | 681 |
| Tier 1 risk-based capital ratio | 23.3836% | 908 |
| Total risk-based capital ratio | 24.0113% | 945 |
| Memoranda: | ||
| Average total assets | $45,371,500 | 5,200 |
| Average earning assets | $43,548,500 | 5,152 |
| Average equity | $6,363,000 | 5,004 |
| Average total loans | $20,538,500 | 5,241 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8367% | 3,922 |
| Cost of funding earning assets | 0.4018% | 3,239 |
| Net interest margin | 3.4349% | 3,735 |
| Noninterest income to average assets | 0.0835% | 5,453 |
| Noninterest expense to average assets | 2.2198% | 4,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7341% | 3,455 |
| Return on assets (ROA) | 0.7237% | 3,544 |
| Pretax return on assets | 1.1389% | 3,025 |
| Return on Equity (ROE) | 5.0515% | 4,138 |
| Retained earnings to average equity (ytd only) | 4.2420% | 2,616 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7732% | 3,309 |
| Assets per employee ($millions) | 5.5920% | 1,852 |
| Cash dividends to net income (ytd only)* | 16.0256% | 3,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7875% | 4,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 48.7169% | 4,721 |
| Net loans and leases to deposits | 56.8633% | 4,752 |
| Net loans and leases to core deposits | 59.0191% | 4,802 |
| Total domestic deposits to total assets | 85.6737% | 2,589 |
| Equity capital to assets | 14.0849% | 880 |
| Core capital (leverage) ratio | 14.4224% | 745 |
| Tier 1 risk-based capital ratio | 20.2222% | 1,276 |
| Total risk-based capital ratio | 20.7747% | 1,382 |
| Memoranda: | ||
| Average total assets | $43,112,000 | 5,288 |
| Average earning assets | $41,311,800 | 5,243 |
| Average equity | $6,176,400 | 5,074 |
| Average total loans | $21,331,800 | 5,275 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8477% | 3,840 |
| Cost of funding earning assets | 0.3946% | 3,254 |
| Net interest margin | 3.4531% | 3,668 |
| Noninterest income to average assets | 0.0656% | 5,569 |
| Noninterest expense to average assets | 2.0356% | 4,883 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8351% | 3,359 |
| Return on assets (ROA) | 0.8211% | 3,470 |
| Pretax return on assets | 1.3144% | 2,421 |
| Return on Equity (ROE) | 5.7062% | 4,243 |
| Retained earnings to average equity (ytd only) | 4.6213% | 3,126 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3704% | 4,147 |
| Assets per employee ($millions) | 5.2966% | 2,121 |
| Cash dividends to net income (ytd only)* | 19.0127% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8052% | 4,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 50.2962% | 4,677 |
| Net loans and leases to deposits | 59.4726% | 4,661 |
| Net loans and leases to core deposits | 61.1798% | 4,759 |
| Total domestic deposits to total assets | 84.5704% | 2,892 |
| Equity capital to assets | 14.8066% | 779 |
| Core capital (leverage) ratio | 14.7249% | 716 |
| Tier 1 risk-based capital ratio | 20.0440% | 1,351 |
| Total risk-based capital ratio | 20.5958% | 1,467 |
| Memoranda: | ||
| Average total assets | $42,706,000 | 5,352 |
| Average earning assets | $40,889,250 | 5,313 |
| Average equity | $6,145,250 | 5,138 |
| Average total loans | $21,173,000 | 5,330 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7910% | 3,925 |
| Cost of funding earning assets | 0.3854% | 3,229 |
| Net interest margin | 3.4055% | 3,757 |
| Noninterest income to average assets | 0.0654% | 5,609 |
| Noninterest expense to average assets | 2.0693% | 4,832 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7916% | 3,432 |
| Return on assets (ROA) | 0.7707% | 3,592 |
| Pretax return on assets | 1.2238% | 2,681 |
| Return on Equity (ROE) | 5.4078% | 4,308 |
| Retained earnings to average equity (ytd only) | 3.7691% | 3,444 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2191% | 3,953 |
| Assets per employee ($millions) | 5.4989% | 1,871 |
| Cash dividends to net income (ytd only)* | 30.3030% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7936% | 4,967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 49.1601% | 4,759 |
| Net loans and leases to deposits | 57.4609% | 4,769 |
| Net loans and leases to core deposits | 59.0294% | 4,874 |
| Total domestic deposits to total assets | 85.5539% | 2,591 |
| Equity capital to assets | 14.0279% | 956 |
| Core capital (leverage) ratio | 14.4526% | 755 |
| Tier 1 risk-based capital ratio | 19.5167% | 1,471 |
| Total risk-based capital ratio | 20.0625% | 1,596 |
| Memoranda: | ||
| Average total assets | $42,817,000 | 5,393 |
| Average earning assets | $40,992,000 | 5,349 |
| Average equity | $6,102,330 | 5,174 |
| Average total loans | $21,069,000 | 5,375 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8181% | 3,700 |
| Cost of funding earning assets | 0.3858% | 3,131 |
| Net interest margin | 3.4323% | 3,516 |
| Noninterest income to average assets | 0.0758% | 5,657 |
| Noninterest expense to average assets | 2.0838% | 4,883 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8368% | 3,051 |
| Return on assets (ROA) | 0.8430% | 3,070 |
| Pretax return on assets | 1.2882% | 2,276 |
| Return on Equity (ROE) | 5.8668% | 3,975 |
| Retained earnings to average equity (ytd only) | 2.5709% | 4,108 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9718% | 4,148 |
| Assets per employee ($millions) | 5.2970% | 2,082 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8515% | 4,922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 47.5340% | 4,857 |
| Net loans and leases to deposits | 55.7252% | 4,832 |
| Net loans and leases to core deposits | 57.3107% | 4,909 |
| Total domestic deposits to total assets | 85.3006% | 2,962 |
| Equity capital to assets | 14.3784% | 790 |
| Core capital (leverage) ratio | 14.2361% | 778 |
| Tier 1 risk-based capital ratio | 19.0908% | 1,595 |
| Total risk-based capital ratio | 19.6313% | 1,729 |
| Memoranda: | ||
| Average total assets | $42,230,000 | 5,462 |
| Average earning assets | $40,439,000 | 5,420 |
| Average equity | $6,068,000 | 5,227 |
| Average total loans | $20,704,000 | 5,440 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4353% | 4,912 |
| Cost of funding earning assets | 0.3025% | 4,040 |
| Net interest margin | 3.1328% | 4,633 |
| Noninterest income to average assets | 0.1764% | 5,342 |
| Noninterest expense to average assets | 2.1429% | 4,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7026% | 3,769 |
| Return on assets (ROA) | 0.6963% | 3,905 |
| Pretax return on assets | 1.0209% | 3,403 |
| Return on Equity (ROE) | 4.9674% | 4,450 |
| Retained earnings to average equity (ytd only) | 4.1283% | 2,968 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5315% | 3,338 |
| Assets per employee ($millions) | 4.6760% | 2,833 |
| Cash dividends to net income (ytd only)* | 16.8919% | 3,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8202% | 5,048 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 49.7077% | 4,786 |
| Net loans and leases to deposits | 58.1714% | 4,773 |
| Net loans and leases to core deposits | 58.1714% | 4,954 |
| Total domestic deposits to total assets | 85.4505% | 2,856 |
| Equity capital to assets | 14.3594% | 778 |
| Core capital (leverage) ratio | 14.3009% | 734 |
| Tier 1 risk-based capital ratio | 18.9831% | 1,604 |
| Total risk-based capital ratio | 19.5241% | 1,747 |
| Memoranda: | ||
| Average total assets | $42,513,400 | 5,499 |
| Average earning assets | $40,666,200 | 5,454 |
| Average equity | $5,958,800 | 5,286 |
| Average total loans | $18,947,400 | 5,547 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3620% | 5,100 |
| Cost of funding earning assets | 0.2943% | 4,165 |
| Net interest margin | 3.0676% | 4,860 |
| Noninterest income to average assets | 0.2002% | 5,267 |
| Noninterest expense to average assets | 2.0928% | 5,017 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6650% | 4,021 |
| Return on assets (ROA) | 0.6569% | 4,167 |
| Pretax return on assets | 1.0292% | 3,517 |
| Return on Equity (ROE) | 4.7154% | 4,635 |
| Retained earnings to average equity (ytd only) | 3.5928% | 3,737 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7665% | 3,461 |
| Assets per employee ($millions) | 4.7019% | 2,747 |
| Cash dividends to net income (ytd only)* | 23.8116% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 4,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 44.0650% | 5,185 |
| Net loans and leases to deposits | 51.7713% | 5,217 |
| Net loans and leases to core deposits | 53.2498% | 5,253 |
| Total domestic deposits to total assets | 85.1147% | 2,748 |
| Equity capital to assets | 14.2732% | 938 |
| Core capital (leverage) ratio | 13.9846% | 854 |
| Tier 1 risk-based capital ratio | 19.7031% | 1,500 |
| Total risk-based capital ratio | 20.2726% | 1,626 |
| Memoranda: | ||
| Average total assets | $42,620,750 | 5,552 |
| Average earning assets | $40,768,750 | 5,503 |
| Average equity | $5,937,750 | 5,342 |
| Average total loans | $18,411,250 | 5,617 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3304% | 5,226 |
| Cost of funding earning assets | 0.2792% | 4,358 |
| Net interest margin | 3.0512% | 4,974 |
| Noninterest income to average assets | 0.2481% | 4,996 |
| Noninterest expense to average assets | 2.0926% | 5,075 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6861% | 3,864 |
| Return on assets (ROA) | 0.6741% | 4,073 |
| Pretax return on assets | 1.0533% | 3,385 |
| Return on Equity (ROE) | 4.8783% | 4,564 |
| Retained earnings to average equity (ytd only) | 3.1845% | 3,873 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1243% | 3,667 |
| Assets per employee ($millions) | 4.8037% | 2,553 |
| Cash dividends to net income (ytd only)* | 34.7222% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 4,488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 39.4143% | 5,452 |
| Net loans and leases to deposits | 46.0143% | 5,497 |
| Net loans and leases to core deposits | 47.2913% | 5,522 |
| Total domestic deposits to total assets | 85.6568% | 2,580 |
| Equity capital to assets | 13.8667% | 1,071 |
| Core capital (leverage) ratio | 13.9120% | 850 |
| Tier 1 risk-based capital ratio | 21.5424% | 1,192 |
| Total risk-based capital ratio | 22.1721% | 1,265 |
| Memoranda: | ||
| Average total assets | $42,722,000 | 5,613 |
| Average earning assets | $40,836,000 | 5,568 |
| Average equity | $5,903,670 | 5,402 |
| Average total loans | $18,275,000 | 5,692 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3425% | 5,236 |
| Cost of funding earning assets | 0.2753% | 4,441 |
| Net interest margin | 3.0673% | 4,955 |
| Noninterest income to average assets | 0.1036% | 5,811 |
| Noninterest expense to average assets | 2.1193% | 5,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5991% | 4,180 |
| Return on assets (ROA) | 0.5746% | 4,406 |
| Pretax return on assets | 0.8854% | 3,906 |
| Return on Equity (ROE) | 4.1652% | 4,833 |
| Retained earnings to average equity (ytd only) | 0.7511% | 4,919 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6594% | 3,193 |
| Assets per employee ($millions) | 4.2352% | 3,525 |
| Cash dividends to net income (ytd only)* | 81.9672% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 4,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 40.2885% | 5,442 |
| Net loans and leases to deposits | 46.9693% | 5,464 |
| Net loans and leases to core deposits | 48.2988% | 5,500 |
| Total domestic deposits to total assets | 85.7764% | 2,773 |
| Equity capital to assets | 13.8789% | 1,024 |
| Core capital (leverage) ratio | 13.7366% | 891 |
| Tier 1 risk-based capital ratio | 21.8005% | 1,190 |
| Total risk-based capital ratio | 22.4468% | 1,254 |
| Memoranda: | ||
| Average total assets | $42,466,500 | 5,671 |
| Average earning assets | $40,687,500 | 5,623 |
| Average equity | $5,858,000 | 5,443 |
| Average total loans | $18,806,000 | 5,725 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3917% | 5,179 |
| Cost of funding earning assets | 0.2056% | 5,235 |
| Net interest margin | 3.1861% | 4,672 |
| Noninterest income to average assets | 0.1325% | 5,749 |
| Noninterest expense to average assets | 2.1783% | 5,097 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7572% | 3,537 |
| Return on assets (ROA) | 0.7108% | 3,868 |
| Pretax return on assets | 0.9542% | 3,634 |
| Return on Equity (ROE) | 5.1591% | 4,425 |
| Retained earnings to average equity (ytd only) | 4.2847% | 2,925 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1750% | 3,537 |
| Assets per employee ($millions) | 4.2581% | 3,472 |
| Cash dividends to net income (ytd only)* | 16.9492% | 3,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8490% | 5,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 47.4460% | 5,062 |
| Net loans and leases to deposits | 55.0490% | 5,109 |
| Net loans and leases to core deposits | 56.5910% | 5,169 |
| Total domestic deposits to total assets | 86.1887% | 2,546 |
| Equity capital to assets | 13.7103% | 1,037 |
| Core capital (leverage) ratio | 13.8151% | 869 |
| Tier 1 risk-based capital ratio | 19.6055% | 1,563 |
| Total risk-based capital ratio | 20.1878% | 1,681 |
| Memoranda: | ||
| Average total assets | $41,500,200 | 5,733 |
| Average earning assets | $39,891,800 | 5,681 |
| Average equity | $5,718,000 | 5,500 |
| Average total loans | $18,383,000 | 5,784 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3746% | 5,265 |
| Cost of funding earning assets | 0.1983% | 5,390 |
| Net interest margin | 3.1763% | 4,754 |
| Noninterest income to average assets | 0.1229% | 5,857 |
| Noninterest expense to average assets | 2.1537% | 5,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6888% | 3,952 |
| Return on assets (ROA) | 0.6888% | 4,068 |
| Pretax return on assets | 1.0251% | 3,522 |
| Return on Equity (ROE) | 4.9928% | 4,631 |
| Retained earnings to average equity (ytd only) | 3.8209% | 3,754 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7518% | 3,592 |
| Assets per employee ($millions) | 4.0881% | 3,723 |
| Cash dividends to net income (ytd only)* | 23.4762% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 5,014 |
| Loan loss allowance to noncurrent loans | 5,766.6667% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 5,779 |
| Noncurrent loans to loans | 0.0163% | 5,576 |
| Net loans and leases to total assets | 44.5072% | 5,326 |
| Net loans and leases to deposits | 52.1526% | 5,362 |
| Net loans and leases to core deposits | 52.1526% | 5,496 |
| Total domestic deposits to total assets | 85.3404% | 2,854 |
| Equity capital to assets | 14.1484% | 964 |
| Core capital (leverage) ratio | 13.9743% | 873 |
| Tier 1 risk-based capital ratio | 20.6249% | 1,419 |
| Total risk-based capital ratio | 21.2462% | 1,515 |
| Memoranda: | ||
| Average total assets | $41,230,000 | 5,815 |
| Average earning assets | $39,668,250 | 5,761 |
| Average equity | $5,688,000 | 5,576 |
| Average total loans | $17,884,750 | 5,866 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2605% | 5,511 |
| Cost of funding earning assets | 0.1909% | 5,523 |
| Net interest margin | 3.0696% | 5,046 |
| Noninterest income to average assets | 0.1161% | 5,963 |
| Noninterest expense to average assets | 2.0510% | 5,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6772% | 3,990 |
| Return on assets (ROA) | 0.6772% | 4,103 |
| Pretax return on assets | 1.0206% | 3,494 |
| Return on Equity (ROE) | 4.9505% | 4,637 |
| Retained earnings to average equity (ytd only) | 3.1825% | 4,026 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7717% | 3,873 |
| Assets per employee ($millions) | 4.2008% | 3,468 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9537% | 5,083 |
| Loan loss allowance to noncurrent loans | 5,766.6667% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 5,874 |
| Noncurrent loans to loans | 0.0165% | 5,698 |
| Net loans and leases to total assets | 42.7704% | 5,452 |
| Net loans and leases to deposits | 49.6944% | 5,520 |
| Net loans and leases to core deposits | 51.1080% | 5,572 |
| Total domestic deposits to total assets | 86.0669% | 2,666 |
| Equity capital to assets | 13.5569% | 1,151 |
| Core capital (leverage) ratio | 13.9463% | 855 |
| Tier 1 risk-based capital ratio | 21.3070% | 1,308 |
| Total risk-based capital ratio | 21.9571% | 1,394 |
| Memoranda: | ||
| Average total assets | $41,346,330 | 5,874 |
| Average earning assets | $39,810,000 | 5,818 |
| Average equity | $5,656,000 | 5,635 |
| Average total loans | $17,723,670 | 5,938 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2640% | 5,528 |
| Cost of funding earning assets | 0.1920% | 5,581 |
| Net interest margin | 3.0720% | 5,024 |
| Noninterest income to average assets | 0.1268% | 5,967 |
| Noninterest expense to average assets | 2.0773% | 5,435 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7022% | 3,786 |
| Return on assets (ROA) | 0.7022% | 3,914 |
| Pretax return on assets | 1.0143% | 3,438 |
| Return on Equity (ROE) | 5.1096% | 4,473 |
| Retained earnings to average equity (ytd only) | 1.5613% | 4,850 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1924% | 3,958 |
| Assets per employee ($millions) | 4.0866% | 3,787 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 4,937 |
| 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 | 41.2274% | 5,531 |
| Net loans and leases to deposits | 48.0561% | 5,561 |
| Net loans and leases to core deposits | 49.4671% | 5,615 |
| Total domestic deposits to total assets | 85.7901% | 3,046 |
| Equity capital to assets | 13.8771% | 1,022 |
| Core capital (leverage) ratio | 13.5750% | 945 |
| Tier 1 risk-based capital ratio | 21.8138% | 1,271 |
| Total risk-based capital ratio | 22.4874% | 1,354 |
| Memoranda: | ||
| Average total assets | $41,015,500 | 5,939 |
| Average earning assets | $39,583,000 | 5,879 |
| Average equity | $5,636,500 | 5,695 |
| Average total loans | $17,515,500 | 5,994 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2707% | 5,744 |
| Cost of funding earning assets | 0.2128% | 5,644 |
| Net interest margin | 3.0579% | 5,299 |
| Noninterest income to average assets | 0.1858% | 5,742 |
| Noninterest expense to average assets | 2.2790% | 5,161 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5912% | 4,412 |
| Return on assets (ROA) | 0.5844% | 4,525 |
| Pretax return on assets | 0.8485% | 4,085 |
| Return on Equity (ROE) | 4.3561% | 4,954 |
| Retained earnings to average equity (ytd only) | 4.3561% | 3,082 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6422% | 3,098 |
| Assets per employee ($millions) | 4.1165% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9606% | 5,247 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 43.3305% | 5,508 |
| Net loans and leases to deposits | 50.3344% | 5,566 |
| Net loans and leases to core deposits | 51.7960% | 5,629 |
| Total domestic deposits to total assets | 86.0853% | 2,793 |
| Equity capital to assets | 13.6086% | 1,111 |
| Core capital (leverage) ratio | 13.5816% | 949 |
| Tier 1 risk-based capital ratio | 21.5494% | 1,301 |
| Total risk-based capital ratio | 22.2175% | 1,379 |
| Memoranda: | ||
| Average total assets | $40,895,400 | 6,012 |
| Average earning assets | $39,471,200 | 5,934 |
| Average equity | $5,486,600 | 5,744 |
| Average total loans | $17,084,600 | 6,084 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2495% | 5,843 |
| Cost of funding earning assets | 0.2133% | 5,727 |
| Net interest margin | 3.0362% | 5,416 |
| Noninterest income to average assets | 0.1339% | 6,105 |
| Noninterest expense to average assets | 2.0966% | 5,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6441% | 4,242 |
| Return on assets (ROA) | 0.6989% | 4,039 |
| Pretax return on assets | 1.0483% | 3,385 |
| Return on Equity (ROE) | 5.2280% | 4,612 |
| Retained earnings to average equity (ytd only) | 5.2280% | 2,930 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4435% | 3,774 |
| Assets per employee ($millions) | 3.9918% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 5,245 |
| 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 | 43.1710% | 5,584 |
| Net loans and leases to deposits | 50.5456% | 5,614 |
| Net loans and leases to core deposits | 50.5456% | 5,764 |
| Total domestic deposits to total assets | 85.4101% | 3,153 |
| Equity capital to assets | 13.9411% | 1,029 |
| Core capital (leverage) ratio | 13.6913% | 933 |
| Tier 1 risk-based capital ratio | 21.5403% | 1,338 |
| Total risk-based capital ratio | 22.2131% | 1,434 |
| Memoranda: | ||
| Average total assets | $40,828,000 | 6,086 |
| Average earning assets | $39,390,000 | 6,007 |
| Average equity | $5,457,750 | 5,810 |
| Average total loans | $16,853,250 | 6,155 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1518% | 6,003 |
| Cost of funding earning assets | 0.2118% | 5,813 |
| Net interest margin | 2.9400% | 5,660 |
| Noninterest income to average assets | 0.1361% | 6,142 |
| Noninterest expense to average assets | 2.0909% | 5,643 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5981% | 4,364 |
| Return on assets (ROA) | 0.5981% | 4,457 |
| Pretax return on assets | 0.8801% | 3,958 |
| Return on Equity (ROE) | 4.5371% | 4,898 |
| Retained earnings to average equity (ytd only) | 4.5371% | 3,288 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3764% | 3,596 |
| Assets per employee ($millions) | 4.1448% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 5,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 39.3529% | 5,873 |
| Net loans and leases to deposits | 45.6520% | 5,900 |
| Net loans and leases to core deposits | 45.6520% | 6,008 |
| Total domestic deposits to total assets | 86.2020% | 2,933 |
| Equity capital to assets | 13.3082% | 1,226 |
| Core capital (leverage) ratio | 13.2489% | 1,063 |
| Tier 1 risk-based capital ratio | 22.1360% | 1,240 |
| Total risk-based capital ratio | 22.8386% | 1,305 |
| Memoranda: | ||
| Average total assets | $41,131,330 | 6,139 |
| Average earning assets | $39,660,330 | 6,053 |
| Average equity | $5,422,000 | 5,856 |
| Average total loans | $16,669,000 | 6,211 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1846% | 6,026 |
| Cost of funding earning assets | 0.2231% | 5,814 |
| Net interest margin | 2.9615% | 5,620 |
| Noninterest income to average assets | 0.1464% | 6,095 |
| Noninterest expense to average assets | 2.1185% | 5,645 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6053% | 4,174 |
| Return on assets (ROA) | 0.6053% | 4,250 |
| Pretax return on assets | 0.8786% | 3,788 |
| Return on Equity (ROE) | 4.6140% | 4,735 |
| Retained earnings to average equity (ytd only) | 4.6140% | 3,351 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6840% | 3,708 |
| Assets per employee ($millions) | 4.1706% | 3,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 5,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 37.8842% | 5,949 |
| Net loans and leases to deposits | 43.6850% | 5,991 |
| Net loans and leases to core deposits | 43.6850% | 6,088 |
| Total domestic deposits to total assets | 86.7213% | 2,981 |
| Equity capital to assets | 13.0149% | 1,301 |
| Core capital (leverage) ratio | 12.9316% | 1,193 |
| Tier 1 risk-based capital ratio | 22.3092% | 1,243 |
| Total risk-based capital ratio | 23.0253% | 1,305 |
| Memoranda: | ||
| Average total assets | $40,973,000 | 6,204 |
| Average earning assets | $39,440,000 | 6,115 |
| Average equity | $5,375,000 | 5,905 |
| Average total loans | $16,761,500 | 6,270 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6077% | 6,586 |
| Cost of funding earning assets | 0.2881% | 5,685 |
| Net interest margin | 2.3196% | 6,508 |
| Noninterest income to average assets | 0.1464% | 6,213 |
| Noninterest expense to average assets | 1.9310% | 6,137 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3824% | 5,209 |
| Return on assets (ROA) | 0.3824% | 5,321 |
| Pretax return on assets | 0.4580% | 5,332 |
| Return on Equity (ROE) | 3.0653% | 5,478 |
| Retained earnings to average equity (ytd only) | 3.0653% | 4,046 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8300% | 2,042 |
| Assets per employee ($millions) | 4.0240% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9858% | 5,635 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 43.1834% | 5,744 |
| Net loans and leases to deposits | 49.8322% | 5,783 |
| Net loans and leases to core deposits | 49.8322% | 5,949 |
| Total domestic deposits to total assets | 86.6576% | 2,900 |
| Equity capital to assets | 13.2256% | 1,169 |
| Core capital (leverage) ratio | 13.1187% | 1,097 |
| Tier 1 risk-based capital ratio | 20.9811% | 1,424 |
| Total risk-based capital ratio | 21.6627% | 1,529 |
| Memoranda: | ||
| Average total assets | $42,361,600 | 6,212 |
| Average earning assets | $40,955,400 | 6,144 |
| Average equity | $5,285,000 | 5,995 |
| Average total loans | $13,438,000 | 6,470 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4394% | 6,718 |
| Cost of funding earning assets | 0.2917% | 5,799 |
| Net interest margin | 2.1477% | 6,676 |
| Noninterest income to average assets | 0.1430% | 6,318 |
| Noninterest expense to average assets | 1.8807% | 6,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2953% | 5,635 |
| Return on assets (ROA) | 0.2953% | 5,748 |
| Pretax return on assets | 0.3450% | 5,760 |
| Return on Equity (ROE) | 2.4008% | 5,827 |
| Retained earnings to average equity (ytd only) | 2.4008% | 4,896 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4972% | 1,535 |
| Assets per employee ($millions) | 4.0429% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 4,798 |
| Loan loss allowance to noncurrent loans | 8,650.0000% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 6,506 |
| Noncurrent loans to loans | 0.0141% | 6,321 |
| Net loans and leases to total assets | 34.7548% | 6,331 |
| Net loans and leases to deposits | 40.1825% | 6,378 |
| Net loans and leases to core deposits | 40.1825% | 6,442 |
| Total domestic deposits to total assets | 86.4924% | 2,970 |
| Equity capital to assets | 13.0698% | 1,308 |
| Core capital (leverage) ratio | 12.8575% | 1,258 |
| Tier 1 risk-based capital ratio | 23.1486% | 1,118 |
| Total risk-based capital ratio | 23.9094% | 1,181 |
| Memoranda: | ||
| Average total assets | $42,892,000 | 6,272 |
| Average earning assets | $41,593,250 | 6,193 |
| Average equity | $5,275,750 | 6,068 |
| Average total loans | $12,410,000 | 6,571 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2526% | 6,807 |
| Cost of funding earning assets | 0.2922% | 5,887 |
| Net interest margin | 1.9605% | 6,779 |
| Noninterest income to average assets | 0.1510% | 6,291 |
| Noninterest expense to average assets | 1.8072% | 6,364 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2242% | 5,832 |
| Return on assets (ROA) | 0.2242% | 5,959 |
| Pretax return on assets | 0.2471% | 6,007 |
| Return on Equity (ROE) | 1.8585% | 6,002 |
| Retained earnings to average equity (ytd only) | 1.8585% | 5,088 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9733% | 1,222 |
| Assets per employee ($millions) | 4.1995% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 4,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 31.0204% | 6,545 |
| Net loans and leases to deposits | 35.5686% | 6,568 |
| Net loans and leases to core deposits | 35.5686% | 6,613 |
| Total domestic deposits to total assets | 87.2128% | 2,705 |
| Equity capital to assets | 12.4705% | 1,595 |
| Core capital (leverage) ratio | 12.3593% | 1,430 |
| Tier 1 risk-based capital ratio | 25.5224% | 816 |
| Total risk-based capital ratio | 26.3669% | 847 |
| Memoranda: | ||
| Average total assets | $43,713,000 | 6,296 |
| Average earning assets | $42,439,000 | 6,206 |
| Average equity | $5,273,000 | 6,106 |
| Average total loans | $11,805,330 | 6,638 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0953% | 6,917 |
| Cost of funding earning assets | 0.2861% | 6,065 |
| Net interest margin | 1.8091% | 6,889 |
| Noninterest income to average assets | 0.1705% | 6,235 |
| Noninterest expense to average assets | 1.6872% | 6,574 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2064% | 5,867 |
| Return on assets (ROA) | 0.2064% | 5,981 |
| Pretax return on assets | 0.2423% | 5,983 |
| Return on Equity (ROE) | 1.7388% | 6,017 |
| Retained earnings to average equity (ytd only) | 1.7388% | 5,117 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4419% | 1,382 |
| Assets per employee ($millions) | 4.4425% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 3,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 24.0203% | 6,772 |
| Net loans and leases to deposits | 27.3763% | 6,792 |
| Net loans and leases to core deposits | 27.3763% | 6,819 |
| Total domestic deposits to total assets | 87.7411% | 2,495 |
| Equity capital to assets | 11.9415% | 2,079 |
| Core capital (leverage) ratio | 11.7660% | 1,696 |
| Tier 1 risk-based capital ratio | 29.9241% | 537 |
| Total risk-based capital ratio | 30.9192% | 542 |
| Memoranda: | ||
| Average total assets | $44,572,000 | 6,328 |
| Average earning assets | $43,335,500 | 6,233 |
| Average equity | $5,291,000 | 6,162 |
| Average total loans | $11,108,000 | 6,733 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0871% | 6,730 |
| Cost of funding earning assets | 0.4122% | 5,835 |
| Net interest margin | 2.6750% | 6,553 |
| Noninterest income to average assets | 0.1440% | 6,312 |
| Noninterest expense to average assets | 2.2841% | 5,733 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3704% | 5,218 |
| Return on assets (ROA) | 0.3704% | 5,450 |
| Pretax return on assets | 0.4476% | 5,434 |
| Return on Equity (ROE) | 2.7223% | 5,667 |
| Retained earnings to average equity (ytd only) | -1.0587% | 6,026 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6158% | 1,674 |
| Assets per employee ($millions) | 4.4719% | 3,013 |
| Cash dividends to net income (ytd only)* | 138.8889% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 3,656 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 25.0430% | 6,836 |
| Net loans and leases to deposits | 28.4781% | 6,862 |
| Net loans and leases to core deposits | 28.4781% | 6,877 |
| Total domestic deposits to total assets | 87.9380% | 2,277 |
| Equity capital to assets | 11.8004% | 2,183 |
| Core capital (leverage) ratio | 12.8272% | 1,186 |
| Tier 1 risk-based capital ratio | 28.4764% | 594 |
| Total risk-based capital ratio | 29.4276% | 600 |
| Memoranda: | ||
| Average total assets | $38,877,600 | 6,537 |
| Average earning assets | $37,607,600 | 6,447 |
| Average equity | $5,289,600 | 6,213 |
| Average total loans | $13,757,600 | 6,705 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3033% | 6,724 |
| Cost of funding earning assets | 0.4503% | 5,796 |
| Net interest margin | 2.8530% | 6,428 |
| Noninterest income to average assets | 0.1390% | 6,447 |
| Noninterest expense to average assets | 2.3233% | 5,623 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4383% | 5,086 |
| Return on assets (ROA) | 0.4383% | 5,324 |
| Pretax return on assets | 0.5701% | 5,256 |
| Return on Equity (ROE) | 3.0986% | 5,644 |
| Retained earnings to average equity (ytd only) | 3.0986% | 4,689 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2956% | 2,050 |
| Assets per employee ($millions) | 3.7408% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 5,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 36.5697% | 6,520 |
| Net loans and leases to deposits | 43.1328% | 6,545 |
| Net loans and leases to core deposits | 43.1328% | 6,628 |
| Total domestic deposits to total assets | 84.7840% | 3,845 |
| Equity capital to assets | 14.5317% | 959 |
| Core capital (leverage) ratio | 14.3105% | 751 |
| Tier 1 risk-based capital ratio | 25.8404% | 840 |
| Total risk-based capital ratio | 26.6747% | 856 |
| Memoranda: | ||
| Average total assets | $37,417,250 | 6,654 |
| Average earning assets | $36,124,250 | 6,577 |
| Average equity | $5,292,750 | 6,277 |
| Average total loans | $14,354,000 | 6,776 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4569% | 6,660 |
| Cost of funding earning assets | 0.4653% | 5,868 |
| Net interest margin | 2.9915% | 6,262 |
| Noninterest income to average assets | 0.1229% | 6,569 |
| Noninterest expense to average assets | 2.3463% | 5,624 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4810% | 4,904 |
| Return on assets (ROA) | 0.4810% | 5,153 |
| Pretax return on assets | 0.6627% | 4,936 |
| Return on Equity (ROE) | 3.4318% | 5,516 |
| Retained earnings to average equity (ytd only) | 3.4318% | 4,317 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9751% | 2,457 |
| Assets per employee ($millions) | 3.8341% | 4,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 5,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 35.8154% | 6,617 |
| Net loans and leases to deposits | 41.8365% | 6,658 |
| Net loans and leases to core deposits | 41.8365% | 6,742 |
| Total domestic deposits to total assets | 85.6081% | 3,563 |
| Equity capital to assets | 13.9250% | 1,129 |
| Core capital (leverage) ratio | 14.3234% | 729 |
| Tier 1 risk-based capital ratio | 25.5764% | 846 |
| Total risk-based capital ratio | 26.4073% | 872 |
| Memoranda: | ||
| Average total assets | $37,420,330 | 6,698 |
| Average earning assets | $36,102,000 | 6,619 |
| Average equity | $5,245,000 | 6,320 |
| Average total loans | $14,521,000 | 6,822 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5496% | 6,634 |
| Cost of funding earning assets | 0.4927% | 5,860 |
| Net interest margin | 3.0569% | 6,165 |
| Noninterest income to average assets | 0.1515% | 6,481 |
| Noninterest expense to average assets | 2.3485% | 5,632 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5303% | 4,686 |
| Return on assets (ROA) | 0.5303% | 4,896 |
| Pretax return on assets | 0.7576% | 4,580 |
| Return on Equity (ROE) | 3.7707% | 5,396 |
| Retained earnings to average equity (ytd only) | 3.7707% | 4,326 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6098% | 2,837 |
| Assets per employee ($millions) | 3.7092% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 5,401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 37.7844% | 6,503 |
| Net loans and leases to deposits | 44.1821% | 6,548 |
| Net loans and leases to core deposits | 44.1821% | 6,647 |
| Total domestic deposits to total assets | 85.5198% | 3,779 |
| Equity capital to assets | 14.1783% | 956 |
| Core capital (leverage) ratio | 14.2100% | 747 |
| Tier 1 risk-based capital ratio | 24.6248% | 939 |
| Total risk-based capital ratio | 25.4311% | 976 |
| Memoranda: | ||
| Average total assets | $36,960,000 | 6,765 |
| Average earning assets | $35,722,000 | 6,682 |
| Average equity | $5,198,000 | 6,369 |
| Average total loans | $14,829,000 | 6,870 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5171% | 6,987 |
| Cost of funding earning assets | 0.6783% | 5,669 |
| Net interest margin | 2.8388% | 6,775 |
| Noninterest income to average assets | 0.1835% | 6,182 |
| Noninterest expense to average assets | 2.5864% | 5,146 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.3247% | 5,169 |
| Return on assets (ROA) | 0.3247% | 5,323 |
| Pretax return on assets | 0.3388% | 5,454 |
| Return on Equity (ROE) | 2.2390% | 5,568 |
| Retained earnings to average equity (ytd only) | 2.2390% | 4,618 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4170% | 1,327 |
| Assets per employee ($millions) | 3.3480% | 5,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 5,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 41.5363% | 6,419 |
| Net loans and leases to deposits | 48.3684% | 6,474 |
| Net loans and leases to core deposits | 48.3684% | 6,620 |
| Total domestic deposits to total assets | 85.8749% | 3,384 |
| Equity capital to assets | 13.9486% | 1,083 |
| Core capital (leverage) ratio | 14.4781% | 718 |
| Tier 1 risk-based capital ratio | 22.2312% | 1,204 |
| Total risk-based capital ratio | 22.9659% | 1,246 |
| Memoranda: | ||
| Average total assets | $35,416,000 | 6,815 |
| Average earning assets | $34,204,400 | 6,745 |
| Average equity | $5,136,200 | 6,399 |
| Average total loans | $13,170,200 | 6,981 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4741% | 7,097 |
| Cost of funding earning assets | 0.7169% | 5,666 |
| Net interest margin | 2.7572% | 6,934 |
| Noninterest income to average assets | 0.1673% | 6,391 |
| Noninterest expense to average assets | 2.5059% | 5,444 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2928% | 5,423 |
| Return on assets (ROA) | 0.2928% | 5,596 |
| Pretax return on assets | 0.3232% | 5,656 |
| Return on Equity (ROE) | 1.9988% | 5,776 |
| Retained earnings to average equity (ytd only) | 1.9988% | 5,136 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5753% | 1,286 |
| Assets per employee ($millions) | 3.1873% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 4,930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 36.9823% | 6,824 |
| Net loans and leases to deposits | 43.6213% | 6,851 |
| Net loans and leases to core deposits | 43.6213% | 6,931 |
| Total domestic deposits to total assets | 84.7804% | 3,880 |
| Equity capital to assets | 14.6606% | 943 |
| Core capital (leverage) ratio | 14.5586% | 757 |
| Tier 1 risk-based capital ratio | 25.0651% | 906 |
| Total risk-based capital ratio | 25.8995% | 933 |
| Memoranda: | ||
| Average total assets | $35,063,000 | 6,893 |
| Average earning assets | $33,849,500 | 6,820 |
| Average equity | $5,136,000 | 6,456 |
| Average total loans | $12,595,250 | 7,076 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4187% | 7,204 |
| Cost of funding earning assets | 0.7262% | 5,798 |
| Net interest margin | 2.6924% | 7,039 |
| Noninterest income to average assets | 0.1711% | 6,435 |
| Noninterest expense to average assets | 2.0876% | 6,620 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5305% | 4,376 |
| Return on assets (ROA) | 0.5305% | 4,518 |
| Pretax return on assets | 0.6845% | 4,443 |
| Return on Equity (ROE) | 3.6224% | 5,105 |
| Retained earnings to average equity (ytd only) | 3.6224% | 3,926 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3086% | 3,135 |
| Assets per employee ($millions) | 3.2293% | 5,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2716% | 5,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 37.8132% | 6,874 |
| Net loans and leases to deposits | 44.4327% | 6,907 |
| Net loans and leases to core deposits | 44.9923% | 6,978 |
| Total domestic deposits to total assets | 85.1022% | 3,833 |
| Equity capital to assets | 14.6416% | 907 |
| Core capital (leverage) ratio | 14.8747% | 693 |
| Tier 1 risk-based capital ratio | 14.6043% | 3,726 |
| Total risk-based capital ratio | 15.0889% | 4,250 |
| Memoranda: | ||
| Average total assets | $35,064,000 | 6,952 |
| Average earning assets | $33,872,670 | 6,875 |
| Average equity | $5,134,670 | 6,490 |
| Average total loans | $12,414,000 | 7,150 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2701% | 7,315 |
| Cost of funding earning assets | 0.7729% | 5,731 |
| Net interest margin | 2.4971% | 7,201 |
| Noninterest income to average assets | 0.1952% | 6,326 |
| Noninterest expense to average assets | 2.1128% | 6,603 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4134% | 4,886 |
| Return on assets (ROA) | 0.4134% | 4,979 |
| Pretax return on assets | 0.4938% | 5,049 |
| Return on Equity (ROE) | 2.8227% | 5,457 |
| Retained earnings to average equity (ytd only) | 2.8227% | 4,475 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0573% | 2,359 |
| Assets per employee ($millions) | 3.1941% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5015% | 4,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 32.3011% | 7,155 |
| Net loans and leases to deposits | 37.9350% | 7,168 |
| Net loans and leases to core deposits | 38.4178% | 7,213 |
| Total domestic deposits to total assets | 85.1487% | 3,972 |
| Equity capital to assets | 14.6008% | 853 |
| Core capital (leverage) ratio | 14.4466% | 748 |
| Tier 1 risk-based capital ratio | 14.5864% | 3,686 |
| Total risk-based capital ratio | 15.0758% | 4,172 |
| Memoranda: | ||
| Average total assets | $34,835,000 | 7,015 |
| Average earning assets | $33,638,500 | 6,932 |
| Average equity | $5,101,500 | 6,519 |
| Average total loans | $11,818,500 | 7,235 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8768% | 7,214 |
| Cost of funding earning assets | 0.9274% | 6,042 |
| Net interest margin | 2.9494% | 6,823 |
| Noninterest income to average assets | 0.1749% | 6,485 |
| Noninterest expense to average assets | 2.6427% | 5,254 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3441% | 4,773 |
| Return on assets (ROA) | 0.3441% | 4,933 |
| Pretax return on assets | 0.3666% | 5,040 |
| Return on Equity (ROE) | 2.4179% | 5,212 |
| Retained earnings to average equity (ytd only) | 2.4179% | 4,178 |
| Net charge-offs to loans | 0.0744% | 6,059 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 14.4444% | 1,340 |
| Efficiency ratio | 87.8163% | 1,496 |
| Assets per employee ($millions) | 3.1395% | 5,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 4,385 |
| Loan loss allowance to noncurrent loans | 17,300.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 7,267 |
| Noncurrent loans to loans | 0.0083% | 7,143 |
| Net loans and leases to total assets | 34.5794% | 7,207 |
| Net loans and leases to deposits | 40.6439% | 7,233 |
| Net loans and leases to core deposits | 40.6439% | 7,289 |
| Total domestic deposits to total assets | 85.0789% | 3,814 |
| Equity capital to assets | 14.6894% | 865 |
| Core capital (leverage) ratio | 14.2587% | 797 |
| Tier 1 risk-based capital ratio | 14.7181% | 3,414 |
| Total risk-based capital ratio | 15.2155% | 3,857 |
| Memoranda: | ||
| Average total assets | $35,456,400 | 7,025 |
| Average earning assets | $34,074,600 | 6,943 |
| Average equity | $5,045,800 | 6,651 |
| Average total loans | $12,097,200 | 7,299 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9676% | 7,306 |
| Cost of funding earning assets | 0.9452% | 6,199 |
| Net interest margin | 3.0224% | 6,785 |
| Noninterest income to average assets | 0.1420% | 6,843 |
| Noninterest expense to average assets | 2.1333% | 6,774 |
| Loan and lease loss provision to assets | 0.0075% | 6,947 |
| Net operating income to assets | 0.6576% | 3,610 |
| Return on assets (ROA) | 0.6576% | 3,777 |
| Pretax return on assets | 0.9041% | 3,539 |
| Return on Equity (ROE) | 4.6569% | 4,472 |
| Retained earnings to average equity (ytd only) | 4.6569% | 3,223 |
| Net charge-offs to loans | 0.0221% | 6,362 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 121.8464% | 264 |
| Efficiency ratio | 70.0613% | 4,051 |
| Assets per employee ($millions) | 3.1403% | 5,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5293% | 3,830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 33.9258% | 7,345 |
| Net loans and leases to deposits | 40.0704% | 7,365 |
| Net loans and leases to core deposits | 40.0704% | 7,424 |
| Total domestic deposits to total assets | 84.6655% | 3,790 |
| Equity capital to assets | 14.9061% | 908 |
| Core capital (leverage) ratio | 14.6365% | 786 |
| Tier 1 risk-based capital ratio | 14.8824% | 3,312 |
| Total risk-based capital ratio | 15.4059% | 3,690 |
| Memoranda: | ||
| Average total assets | $35,686,750 | 7,105 |
| Average earning assets | $34,276,500 | 7,019 |
| Average equity | $5,039,000 | 6,738 |
| Average total loans | $12,092,750 | 7,396 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0222% | 7,346 |
| Cost of funding earning assets | 0.9651% | 6,316 |
| Net interest margin | 3.0571% | 6,710 |
| Noninterest income to average assets | 0.1220% | 6,990 |
| Noninterest expense to average assets | 2.2347% | 6,556 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6100% | 3,840 |
| Return on assets (ROA) | 0.6100% | 3,973 |
| Pretax return on assets | 0.8207% | 3,813 |
| Return on Equity (ROE) | 4.3980% | 4,601 |
| Retained earnings to average equity (ytd only) | 4.3980% | 3,280 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1397% | 3,633 |
| Assets per employee ($millions) | 3.2834% | 5,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 3,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 32.7740% | 7,458 |
| Net loans and leases to deposits | 38.2765% | 7,488 |
| Net loans and leases to core deposits | 38.2765% | 7,527 |
| Total domestic deposits to total assets | 85.6245% | 3,304 |
| Equity capital to assets | 14.0239% | 1,150 |
| Core capital (leverage) ratio | 14.1688% | 887 |
| Tier 1 risk-based capital ratio | 14.0465% | 3,692 |
| Total risk-based capital ratio | 14.5470% | 4,168 |
| Memoranda: | ||
| Average total assets | $36,068,000 | 7,144 |
| Average earning assets | $34,608,330 | 7,061 |
| Average equity | $5,002,330 | 6,779 |
| Average total loans | $12,156,670 | 7,449 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1176% | 7,361 |
| Cost of funding earning assets | 0.9919% | 6,416 |
| Net interest margin | 3.1257% | 6,531 |
| Noninterest income to average assets | 0.1443% | 6,943 |
| Noninterest expense to average assets | 2.0531% | 7,053 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7768% | 3,075 |
| Return on assets (ROA) | 0.7768% | 3,184 |
| Pretax return on assets | 1.0987% | 2,737 |
| Return on Equity (ROE) | 5.6327% | 4,044 |
| Retained earnings to average equity (ytd only) | 5.6327% | 2,797 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1408% | 5,284 |
| Assets per employee ($millions) | 3.3142% | 5,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5759% | 3,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 31.1801% | 7,590 |
| Net loans and leases to deposits | 36.2862% | 7,618 |
| Net loans and leases to core deposits | 36.2862% | 7,648 |
| Total domestic deposits to total assets | 85.9282% | 3,194 |
| Equity capital to assets | 13.7481% | 1,227 |
| Core capital (leverage) ratio | 13.9013% | 980 |
| Tier 1 risk-based capital ratio | 13.8002% | 3,799 |
| Total risk-based capital ratio | 14.2958% | 4,273 |
| Memoranda: | ||
| Average total assets | $36,043,500 | 7,232 |
| Average earning assets | $34,680,500 | 7,140 |
| Average equity | $4,971,000 | 6,853 |
| Average total loans | $12,225,500 | 7,534 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0971% | 6,096 |
| Cost of funding earning assets | 1.5082% | 5,478 |
| Net interest margin | 3.5890% | 4,591 |
| Noninterest income to average assets | 0.1641% | 6,902 |
| Noninterest expense to average assets | 2.6363% | 5,643 |
| Loan and lease loss provision to assets | 0.0086% | 7,385 |
| Net operating income to assets | 0.7288% | 2,817 |
| Return on assets (ROA) | 0.2446% | 4,819 |
| Pretax return on assets | 0.2763% | 4,827 |
| Return on Equity (ROE) | 1.7901% | 4,982 |
| Retained earnings to average equity (ytd only) | 1.7901% | 3,841 |
| Net charge-offs to loans | 0.0247% | 6,896 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 287 |
| Efficiency ratio | 76.0797% | 3,512 |
| Assets per employee ($millions) | 3.2392% | 5,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 4,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 35.6993% | 7,533 |
| Net loans and leases to deposits | 41.6040% | 7,578 |
| Net loans and leases to core deposits | 45.6487% | 7,674 |
| Total domestic deposits to total assets | 85.8073% | 3,109 |
| Equity capital to assets | 13.8363% | 1,212 |
| Core capital (leverage) ratio | 13.8334% | 1,012 |
| Tier 1 risk-based capital ratio | 13.9150% | 3,558 |
| Total risk-based capital ratio | 14.4217% | 3,981 |
| Memoranda: | ||
| Average total assets | $34,745,400 | 7,291 |
| Average earning assets | $31,959,200 | 7,266 |
| Average equity | $4,748,400 | 7,045 |
| Average total loans | $12,164,600 | 7,591 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2709% | 5,567 |
| Cost of funding earning assets | 1.6097% | 5,356 |
| Net interest margin | 3.6612% | 4,232 |
| Noninterest income to average assets | 0.1545% | 7,083 |
| Noninterest expense to average assets | 2.2283% | 6,899 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8767% | 2,511 |
| Return on assets (ROA) | 0.8767% | 2,589 |
| Pretax return on assets | 1.2551% | 2,091 |
| Return on Equity (ROE) | 6.4355% | 3,327 |
| Retained earnings to average equity (ytd only) | 6.4355% | 1,743 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9690% | 5,760 |
| Assets per employee ($millions) | 3.1396% | 5,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 3,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 36.9180% | 7,586 |
| Net loans and leases to deposits | 43.3969% | 7,640 |
| Net loans and leases to core deposits | 49.5685% | 7,695 |
| Total domestic deposits to total assets | 85.0707% | 3,197 |
| Equity capital to assets | 14.3039% | 1,203 |
| Core capital (leverage) ratio | 14.5206% | 953 |
| Tier 1 risk-based capital ratio | 14.6748% | 3,186 |
| Total risk-based capital ratio | 15.1944% | 3,530 |
| Memoranda: | ||
| Average total assets | $34,524,000 | 7,362 |
| Average earning assets | $31,391,500 | 7,355 |
| Average equity | $4,703,000 | 7,107 |
| Average total loans | $11,980,250 | 7,677 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2713% | 5,786 |
| Cost of funding earning assets | 1.7037% | 5,257 |
| Net interest margin | 3.5676% | 4,506 |
| Noninterest income to average assets | 0.1564% | 7,154 |
| Noninterest expense to average assets | 2.2769% | 6,828 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7822% | 2,923 |
| Return on assets (ROA) | 0.7822% | 3,017 |
| Pretax return on assets | 1.1066% | 2,616 |
| Return on Equity (ROE) | 5.8391% | 3,728 |
| Retained earnings to average equity (ytd only) | 5.8391% | 2,096 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2945% | 5,293 |
| Assets per employee ($millions) | 3.1505% | 5,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6066% | 2,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 32.1627% | 7,836 |
| Net loans and leases to deposits | 37.5337% | 7,874 |
| Net loans and leases to core deposits | 42.6201% | 7,898 |
| Total domestic deposits to total assets | 85.6904% | 2,927 |
| Equity capital to assets | 13.7296% | 1,412 |
| Core capital (leverage) ratio | 15.0198% | 912 |
| Tier 1 risk-based capital ratio | 14.3072% | 3,354 |
| Total risk-based capital ratio | 14.8230% | 3,702 |
| Memoranda: | ||
| Average total assets | $34,520,000 | 7,426 |
| Average earning assets | $31,225,670 | 7,430 |
| Average equity | $4,624,000 | 7,202 |
| Average total loans | $11,663,000 | 7,767 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2782% | 5,990 |
| Cost of funding earning assets | 1.8014% | 5,109 |
| Net interest margin | 3.4768% | 4,821 |
| Noninterest income to average assets | 0.1625% | 7,143 |
| Noninterest expense to average assets | 2.2175% | 6,817 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8243% | 3,028 |
| Return on assets (ROA) | 0.8243% | 3,184 |
| Pretax return on assets | 1.1494% | 2,804 |
| Return on Equity (ROE) | 6.2322% | 3,939 |
| Retained earnings to average equity (ytd only) | 6.2322% | 2,534 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8621% | 5,352 |
| Assets per employee ($millions) | 2.8182% | 6,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6143% | 2,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 32.7991% | 7,840 |
| Net loans and leases to deposits | 38.0972% | 7,895 |
| Net loans and leases to core deposits | 43.3535% | 7,915 |
| Total domestic deposits to total assets | 86.0932% | 2,665 |
| Equity capital to assets | 13.4278% | 1,558 |
| Core capital (leverage) ratio | 14.6321% | 1,049 |
| Tier 1 risk-based capital ratio | 14.3706% | 3,381 |
| Total risk-based capital ratio | 14.8953% | 3,696 |
| Memoranda: | ||
| Average total assets | $34,452,500 | 7,472 |
| Average earning assets | $31,753,500 | 7,449 |
| Average equity | $4,557,000 | 7,270 |
| Average total loans | $11,830,500 | 7,813 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6323% | 6,983 |
| Cost of funding earning assets | 2.4732% | 4,348 |
| Net interest margin | 3.1591% | 6,495 |
| Noninterest income to average assets | 0.1835% | 7,132 |
| Noninterest expense to average assets | 2.7406% | 5,089 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4019% | 5,141 |
| Return on assets (ROA) | 0.4019% | 4,957 |
| Pretax return on assets | 0.4340% | 5,172 |
| Return on Equity (ROE) | 2.9000% | 5,274 |
| Retained earnings to average equity (ytd only) | 0.7986% | 4,741 |
| Net charge-offs to loans | 0.1200% | 5,048 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 9.9333% | 2,610 |
| Efficiency ratio | 86.3303% | 1,822 |
| Assets per employee ($millions) | 2.9239% | 6,238 |
| Cash dividends to net income (ytd only)* | 72.4638% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 2,838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 34.7850% | 7,872 |
| Net loans and leases to deposits | 40.3005% | 7,934 |
| Net loans and leases to core deposits | 46.3416% | 7,964 |
| Total domestic deposits to total assets | 86.3140% | 2,257 |
| Equity capital to assets | 13.0333% | 1,769 |
| Core capital (leverage) ratio | 13.7407% | 1,324 |
| Tier 1 risk-based capital ratio | 13.7097% | 3,688 |
| Total risk-based capital ratio | 14.2175% | 4,051 |
| Memoranda: | ||
| Average total assets | $34,335,600 | 7,447 |
| Average earning assets | $32,508,800 | 7,386 |
| Average equity | $4,758,600 | 7,224 |
| Average total loans | $12,499,400 | 7,803 |