Home > The State Bank of Kansas > Performance and Condition Ratios
The State Bank of Kansas, Performance and Condition Ratios
| 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 | 2.9833% | 5,384 |
| Cost of funding earning assets | 0.3277% | 4,147 |
| Net interest margin | 2.6557% | 5,284 |
| Noninterest income to average assets | 0.3025% | 4,136 |
| Noninterest expense to average assets | 1.6891% | 5,254 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8760% | 3,386 |
| Return on assets (ROA) | 0.8760% | 3,403 |
| Pretax return on assets | 1.0651% | 3,299 |
| Return on Equity (ROE) | 5.5216% | 4,309 |
| Retained earnings to average equity (ytd only) | 5.0449% | 3,151 |
| 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 | 61.3272% | 3,897 |
| Assets per employee ($millions) | 7.9264% | 639 |
| Cash dividends to net income (ytd only)* | 8.6331% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5150% | 1,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 36.2918% | 5,198 |
| Net loans and leases to deposits | 43.4848% | 5,173 |
| Net loans and leases to core deposits | 43.6961% | 5,218 |
| Total domestic deposits to total assets | 83.4587% | 3,521 |
| Equity capital to assets | 15.9704% | 488 |
| Core capital (leverage) ratio | 15.0006% | 658 |
| Tier 1 risk-based capital ratio | 31.8638% | 409 |
| Total risk-based capital ratio | 33.0680% | 404 |
| Memoranda: | ||
| Average total assets | $63,467,000 | 4,863 |
| Average earning assets | $58,592,000 | 4,856 |
| Average equity | $10,069,500 | 4,417 |
| Average total loans | $23,937,000 | 5,145 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1026% | 5,287 |
| Cost of funding earning assets | 0.3130% | 4,015 |
| Net interest margin | 2.7896% | 5,176 |
| Noninterest income to average assets | 0.2632% | 4,560 |
| Noninterest expense to average assets | 1.7651% | 5,268 |
| Loan and lease loss provision to assets | 0.0315% | 3,642 |
| Net operating income to assets | 1.0480% | 2,060 |
| Return on assets (ROA) | 1.0480% | 2,090 |
| Pretax return on assets | 1.0370% | 3,427 |
| Return on Equity (ROE) | 6.8063% | 3,374 |
| Retained earnings to average equity (ytd only) | 5.8339% | 1,635 |
| Net charge-offs to loans | -0.0364% | 5,109 |
| Credit loss provision to net charge-offs | -200.0000% | 4,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2914% | 3,893 |
| Assets per employee ($millions) | 7.9404% | 649 |
| Cash dividends to net income (ytd only)* | 14.2857% | 3,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 1,600 |
| 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 | 38.0224% | 5,223 |
| Net loans and leases to deposits | 47.0699% | 5,163 |
| Net loans and leases to core deposits | 47.3060% | 5,214 |
| Total domestic deposits to total assets | 80.7786% | 4,175 |
| Equity capital to assets | 15.7612% | 545 |
| Core capital (leverage) ratio | 14.8384% | 650 |
| Tier 1 risk-based capital ratio | 34.4211% | 334 |
| Total risk-based capital ratio | 35.6728% | 331 |
| Memoranda: | ||
| Average total assets | $63,451,600 | 4,890 |
| Average earning assets | $58,467,400 | 4,897 |
| Average equity | $9,770,400 | 4,491 |
| Average total loans | $27,496,200 | 5,075 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1071% | 5,328 |
| Cost of funding earning assets | 0.3078% | 4,055 |
| Net interest margin | 2.7994% | 5,219 |
| Noninterest income to average assets | 0.2627% | 4,628 |
| Noninterest expense to average assets | 1.7340% | 5,339 |
| Loan and lease loss provision to assets | 0.0420% | 3,267 |
| Net operating income to assets | 1.0930% | 2,121 |
| Return on assets (ROA) | 1.0930% | 2,174 |
| Pretax return on assets | 1.0678% | 3,429 |
| Return on Equity (ROE) | 7.1403% | 3,575 |
| Retained earnings to average equity (ytd only) | 5.8357% | 2,352 |
| Net charge-offs to loans | -0.0472% | 5,152 |
| Credit loss provision to net charge-offs | -200.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9756% | 4,049 |
| Assets per employee ($millions) | 7.8596% | 663 |
| Cash dividends to net income (ytd only)* | 18.2686% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 2,199 |
| 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 | 41.7116% | 5,124 |
| Net loans and leases to deposits | 51.1337% | 5,085 |
| Net loans and leases to core deposits | 51.8044% | 5,145 |
| Total domestic deposits to total assets | 81.5735% | 3,901 |
| Equity capital to assets | 15.8675% | 566 |
| Core capital (leverage) ratio | 14.5879% | 746 |
| Tier 1 risk-based capital ratio | 31.9864% | 419 |
| Total risk-based capital ratio | 33.2313% | 411 |
| Memoranda: | ||
| Average total assets | $63,433,750 | 4,944 |
| Average earning assets | $58,487,500 | 4,947 |
| Average equity | $9,710,000 | 4,541 |
| Average total loans | $28,243,500 | 5,117 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1135% | 5,335 |
| Cost of funding earning assets | 0.3004% | 4,077 |
| Net interest margin | 2.8131% | 5,221 |
| Noninterest income to average assets | 0.2641% | 4,648 |
| Noninterest expense to average assets | 1.6787% | 5,435 |
| Loan and lease loss provision to assets | 0.0472% | 3,050 |
| Net operating income to assets | 1.1852% | 1,646 |
| Return on assets (ROA) | 1.1852% | 1,680 |
| Pretax return on assets | 1.1286% | 3,056 |
| Return on Equity (ROE) | 7.8370% | 3,131 |
| Retained earnings to average equity (ytd only) | 5.8622% | 2,191 |
| Net charge-offs to loans | -0.0278% | 4,918 |
| Credit loss provision to net charge-offs | -375.0000% | 4,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8106% | 4,490 |
| Assets per employee ($millions) | 6.9380% | 960 |
| Cash dividends to net income (ytd only)* | 25.1989% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 2,869 |
| 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 | 44.3179% | 5,024 |
| Net loans and leases to deposits | 53.2767% | 5,002 |
| Net loans and leases to core deposits | 53.9656% | 5,092 |
| Total domestic deposits to total assets | 83.1844% | 3,509 |
| Equity capital to assets | 15.7362% | 566 |
| Core capital (leverage) ratio | 14.2267% | 798 |
| Tier 1 risk-based capital ratio | 29.8032% | 470 |
| Total risk-based capital ratio | 30.9452% | 474 |
| Memoranda: | ||
| Average total assets | $63,619,330 | 4,981 |
| Average earning assets | $58,583,000 | 4,981 |
| Average equity | $9,621,000 | 4,573 |
| Average total loans | $28,797,670 | 5,146 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1134% | 5,355 |
| Cost of funding earning assets | 0.2849% | 4,198 |
| Net interest margin | 2.8285% | 5,204 |
| Noninterest income to average assets | 0.2554% | 4,709 |
| Noninterest expense to average assets | 1.7692% | 5,418 |
| Loan and lease loss provision to assets | 0.0498% | 2,813 |
| Net operating income to assets | 1.1961% | 1,511 |
| Return on assets (ROA) | 1.1961% | 1,550 |
| Pretax return on assets | 1.0341% | 3,219 |
| Return on Equity (ROE) | 8.0685% | 2,889 |
| Retained earnings to average equity (ytd only) | 4.0763% | 3,419 |
| Net charge-offs to loans | -0.0548% | 5,227 |
| Credit loss provision to net charge-offs | -200.0000% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0087% | 4,145 |
| Assets per employee ($millions) | 8.0148% | 614 |
| Cash dividends to net income (ytd only)* | 49.4792% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 3,504 |
| 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 | 45.7531% | 4,955 |
| Net loans and leases to deposits | 54.1774% | 4,923 |
| Net loans and leases to core deposits | 55.1594% | 5,016 |
| Total domestic deposits to total assets | 84.4505% | 3,310 |
| Equity capital to assets | 14.9693% | 661 |
| Core capital (leverage) ratio | 13.5669% | 955 |
| Tier 1 risk-based capital ratio | 27.7240% | 575 |
| Total risk-based capital ratio | 28.7864% | 576 |
| Memoranda: | ||
| Average total assets | $64,208,000 | 5,029 |
| Average earning assets | $58,971,500 | 5,027 |
| Average equity | $9,518,500 | 4,622 |
| Average total loans | $29,188,500 | 5,188 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1968% | 5,309 |
| Cost of funding earning assets | 0.2763% | 4,297 |
| Net interest margin | 2.9205% | 5,094 |
| Noninterest income to average assets | 0.2771% | 4,762 |
| Noninterest expense to average assets | 1.9585% | 5,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9785% | 2,446 |
| Return on assets (ROA) | 0.9785% | 2,555 |
| Pretax return on assets | 1.0187% | 3,410 |
| Return on Equity (ROE) | 6.7586% | 3,612 |
| Retained earnings to average equity (ytd only) | 2.0746% | 4,358 |
| Net charge-offs to loans | 1.1543% | 152 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 1.7454% | 3,949 |
| Efficiency ratio | 65.7826% | 3,632 |
| Assets per employee ($millions) | 7.1442% | 860 |
| Cash dividends to net income (ytd only)* | 69.3038% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 3,549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8554% | 2,208 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 44.1398% | 5,108 |
| Net loans and leases to deposits | 52.0724% | 5,117 |
| Net loans and leases to core deposits | 53.0080% | 5,179 |
| Total domestic deposits to total assets | 84.7662% | 3,147 |
| Equity capital to assets | 14.6801% | 693 |
| Core capital (leverage) ratio | 13.4816% | 973 |
| Tier 1 risk-based capital ratio | 28.5122% | 541 |
| Total risk-based capital ratio | 29.5777% | 541 |
| Memoranda: | ||
| Average total assets | $64,591,800 | 5,034 |
| Average earning assets | $59,716,400 | 5,027 |
| Average equity | $9,351,000 | 4,680 |
| Average total loans | $32,660,800 | 5,114 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2061% | 5,353 |
| Cost of funding earning assets | 0.2733% | 4,353 |
| Net interest margin | 2.9328% | 5,124 |
| Noninterest income to average assets | 0.2887% | 4,706 |
| Noninterest expense to average assets | 2.0701% | 5,065 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9031% | 2,890 |
| Return on assets (ROA) | 0.9031% | 3,031 |
| Pretax return on assets | 0.9402% | 3,845 |
| Return on Equity (ROE) | 6.2599% | 3,948 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,345 |
| Net charge-offs to loans | -0.1030% | 5,580 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7671% | 3,085 |
| Assets per employee ($millions) | 7.1771% | 826 |
| Cash dividends to net income (ytd only)* | 100.0000% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3160% | 425 |
| Loan loss allowance to noncurrent loans | 73.3602% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.5342% | 1,158 |
| Noncurrent loans to loans | 3.1570% | 454 |
| Net loans and leases to total assets | 47.4719% | 4,994 |
| Net loans and leases to deposits | 56.3376% | 4,971 |
| Net loans and leases to core deposits | 57.3641% | 5,084 |
| Total domestic deposits to total assets | 84.2632% | 3,116 |
| Equity capital to assets | 14.4301% | 895 |
| Core capital (leverage) ratio | 13.3634% | 1,042 |
| Tier 1 risk-based capital ratio | 26.6574% | 669 |
| Total risk-based capital ratio | 27.9212% | 651 |
| Memoranda: | ||
| Average total assets | $64,665,250 | 5,084 |
| Average earning assets | $60,009,750 | 5,064 |
| Average equity | $9,329,000 | 4,735 |
| Average total loans | $33,649,750 | 5,129 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2880% | 5,310 |
| Cost of funding earning assets | 0.2732% | 4,412 |
| Net interest margin | 3.0148% | 5,044 |
| Noninterest income to average assets | 0.3123% | 4,539 |
| Noninterest expense to average assets | 1.7592% | 5,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3047% | 1,257 |
| Return on assets (ROA) | 1.3047% | 1,359 |
| Pretax return on assets | 1.3511% | 2,199 |
| Return on Equity (ROE) | 9.0445% | 2,481 |
| Retained earnings to average equity (ytd only) | -0.3215% | 5,343 |
| Net charge-offs to loans | -0.1512% | 5,742 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5606% | 5,072 |
| Assets per employee ($millions) | 7.1099% | 835 |
| Cash dividends to net income (ytd only)* | 103.5545% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2789% | 491 |
| 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 | 48.7193% | 4,929 |
| Net loans and leases to deposits | 58.1135% | 4,894 |
| Net loans and leases to core deposits | 59.1870% | 5,013 |
| Total domestic deposits to total assets | 83.8347% | 3,336 |
| Equity capital to assets | 14.5666% | 856 |
| Core capital (leverage) ratio | 13.3381% | 1,044 |
| Tier 1 risk-based capital ratio | 25.6666% | 753 |
| Total risk-based capital ratio | 26.9286% | 731 |
| Memoranda: | ||
| Average total assets | $64,689,000 | 5,129 |
| Average earning assets | $60,037,330 | 5,109 |
| Average equity | $9,331,670 | 4,770 |
| Average total loans | $34,402,670 | 5,161 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3929% | 5,144 |
| Cost of funding earning assets | 0.2712% | 4,484 |
| Net interest margin | 3.1217% | 4,805 |
| Noninterest income to average assets | 0.3137% | 4,488 |
| Noninterest expense to average assets | 1.7466% | 5,707 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4145% | 1,018 |
| Return on assets (ROA) | 1.4145% | 1,072 |
| Pretax return on assets | 1.4699% | 1,685 |
| Return on Equity (ROE) | 9.8533% | 2,046 |
| Retained earnings to average equity (ytd only) | 0.6854% | 4,944 |
| Net charge-offs to loans | -0.0224% | 4,910 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3021% | 5,362 |
| Assets per employee ($millions) | 7.2783% | 783 |
| Cash dividends to net income (ytd only)* | 93.0435% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0795% | 717 |
| 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 | 50.5366% | 4,757 |
| Net loans and leases to deposits | 59.4241% | 4,759 |
| Net loans and leases to core deposits | 61.0426% | 4,873 |
| Total domestic deposits to total assets | 85.0439% | 3,120 |
| Equity capital to assets | 14.2783% | 891 |
| Core capital (leverage) ratio | 13.2699% | 1,061 |
| Tier 1 risk-based capital ratio | 22.2144% | 1,130 |
| Total risk-based capital ratio | 23.4707% | 1,114 |
| Memoranda: | ||
| Average total assets | $65,039,000 | 5,179 |
| Average earning assets | $60,479,500 | 5,144 |
| Average equity | $9,337,000 | 4,794 |
| Average total loans | $35,653,000 | 5,155 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5323% | 4,838 |
| Cost of funding earning assets | 0.2924% | 4,340 |
| Net interest margin | 3.2399% | 4,505 |
| Noninterest income to average assets | 0.2815% | 4,870 |
| Noninterest expense to average assets | 1.8425% | 5,681 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3529% | 1,140 |
| Return on assets (ROA) | 1.3529% | 1,182 |
| Pretax return on assets | 1.4374% | 1,760 |
| Return on Equity (ROE) | 9.4216% | 2,260 |
| Retained earnings to average equity (ytd only) | 2.1893% | 4,470 |
| Net charge-offs to loans | 0.1188% | 2,182 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 20.8864% | 1,847 |
| Efficiency ratio | 56.1755% | 5,329 |
| Assets per employee ($millions) | 7.1748% | 830 |
| Cash dividends to net income (ytd only)* | 76.7630% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8694% | 1,015 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 56.9867% | 4,201 |
| Net loans and leases to deposits | 67.7268% | 4,151 |
| Net loans and leases to core deposits | 69.6154% | 4,325 |
| Total domestic deposits to total assets | 84.1420% | 3,429 |
| Equity capital to assets | 14.4348% | 784 |
| Core capital (leverage) ratio | 13.2390% | 1,064 |
| Tier 1 risk-based capital ratio | 22.0184% | 1,142 |
| Total risk-based capital ratio | 23.2732% | 1,122 |
| Memoranda: | ||
| Average total assets | $63,935,000 | 5,225 |
| Average earning assets | $59,169,000 | 5,209 |
| Average equity | $9,181,000 | 4,804 |
| Average total loans | $37,028,200 | 5,121 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5491% | 4,868 |
| Cost of funding earning assets | 0.2939% | 4,405 |
| Net interest margin | 3.2552% | 4,505 |
| Noninterest income to average assets | 0.2864% | 4,903 |
| Noninterest expense to average assets | 1.8774% | 5,673 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3275% | 1,267 |
| Return on assets (ROA) | 1.3275% | 1,326 |
| Pretax return on assets | 1.4195% | 1,932 |
| Return on Equity (ROE) | 9.2571% | 2,438 |
| Retained earnings to average equity (ytd only) | 1.2537% | 5,221 |
| Net charge-offs to loans | 0.1914% | 1,336 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 12.8122% | 2,373 |
| Efficiency ratio | 56.9436% | 5,234 |
| Assets per employee ($millions) | 7.2112% | 792 |
| Cash dividends to net income (ytd only)* | 86.4560% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8809% | 1,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 55.6201% | 4,399 |
| Net loans and leases to deposits | 66.6076% | 4,319 |
| Net loans and leases to core deposits | 68.4855% | 4,501 |
| Total domestic deposits to total assets | 83.5041% | 3,610 |
| Equity capital to assets | 14.1539% | 962 |
| Core capital (leverage) ratio | 13.0831% | 1,171 |
| Tier 1 risk-based capital ratio | 21.8980% | 1,208 |
| Total risk-based capital ratio | 23.1553% | 1,187 |
| Memoranda: | ||
| Average total assets | $63,775,500 | 5,290 |
| Average earning assets | $58,981,000 | 5,274 |
| Average equity | $9,146,000 | 4,878 |
| Average total loans | $36,910,500 | 5,177 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5801% | 4,777 |
| Cost of funding earning assets | 0.2938% | 4,458 |
| Net interest margin | 3.2863% | 4,348 |
| Noninterest income to average assets | 0.3060% | 4,766 |
| Noninterest expense to average assets | 1.9022% | 5,705 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3281% | 1,245 |
| Return on assets (ROA) | 1.3281% | 1,293 |
| Pretax return on assets | 1.4385% | 1,839 |
| Return on Equity (ROE) | 9.2196% | 2,424 |
| Retained earnings to average equity (ytd only) | 1.2921% | 5,033 |
| Net charge-offs to loans | 0.2869% | 914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 8.6038% | 2,547 |
| Efficiency ratio | 56.9405% | 5,348 |
| Assets per employee ($millions) | 7.1264% | 793 |
| Cash dividends to net income (ytd only)* | 85.9857% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9099% | 1,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 55.4118% | 4,394 |
| Net loans and leases to deposits | 67.4678% | 4,184 |
| Net loans and leases to core deposits | 69.4236% | 4,376 |
| Total domestic deposits to total assets | 82.1307% | 4,251 |
| Equity capital to assets | 14.2505% | 893 |
| Core capital (leverage) ratio | 13.1114% | 1,129 |
| Tier 1 risk-based capital ratio | 22.7196% | 1,112 |
| Total risk-based capital ratio | 23.9763% | 1,090 |
| Memoranda: | ||
| Average total assets | $63,400,330 | 5,360 |
| Average earning assets | $58,545,330 | 5,345 |
| Average equity | $9,132,670 | 4,916 |
| Average total loans | $36,950,670 | 5,220 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5769% | 4,760 |
| Cost of funding earning assets | 0.2952% | 4,494 |
| Net interest margin | 3.2817% | 4,287 |
| Noninterest income to average assets | 0.2792% | 4,942 |
| Noninterest expense to average assets | 1.9863% | 5,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1677% | 1,640 |
| Return on assets (ROA) | 1.1677% | 1,744 |
| Pretax return on assets | 1.3263% | 2,173 |
| Return on Equity (ROE) | 8.0622% | 2,927 |
| Retained earnings to average equity (ytd only) | 2.4537% | 4,464 |
| Net charge-offs to loans | 0.5682% | 434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.9434% | 2,548 |
| Efficiency ratio | 59.9617% | 5,091 |
| Assets per employee ($millions) | 7.0777% | 828 |
| Cash dividends to net income (ytd only)* | 69.5652% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8679% | 1,347 |
| 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 | 57.0731% | 4,082 |
| Net loans and leases to deposits | 67.6851% | 3,986 |
| Net loans and leases to core deposits | 69.6056% | 4,192 |
| Total domestic deposits to total assets | 84.3216% | 3,688 |
| Equity capital to assets | 14.3927% | 863 |
| Core capital (leverage) ratio | 13.2288% | 1,077 |
| Tier 1 risk-based capital ratio | 22.0554% | 1,233 |
| Total risk-based capital ratio | 23.3050% | 1,214 |
| Memoranda: | ||
| Average total assets | $63,031,500 | 5,425 |
| Average earning assets | $58,263,000 | 5,407 |
| Average equity | $9,129,000 | 4,957 |
| Average total loans | $37,310,000 | 5,234 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6323% | 4,991 |
| Cost of funding earning assets | 0.3131% | 4,650 |
| Net interest margin | 3.3192% | 4,514 |
| Noninterest income to average assets | 0.3203% | 4,829 |
| Noninterest expense to average assets | 2.2303% | 5,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1296% | 1,869 |
| Return on assets (ROA) | 1.1296% | 1,922 |
| Pretax return on assets | 1.1645% | 2,804 |
| Return on Equity (ROE) | 8.2308% | 3,004 |
| Retained earnings to average equity (ytd only) | 1.2390% | 5,223 |
| Net charge-offs to loans | -0.0025% | 5,394 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6977% | 4,305 |
| Assets per employee ($millions) | 6.2364% | 1,222 |
| Cash dividends to net income (ytd only)* | 84.9462% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9828% | 1,140 |
| Loan loss allowance to noncurrent loans | 1,330.3571% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 5,665 |
| Noncurrent loans to loans | 0.1490% | 5,296 |
| Net loans and leases to total assets | 59.0533% | 3,913 |
| Net loans and leases to deposits | 69.7592% | 3,946 |
| Net loans and leases to core deposits | 71.7713% | 4,150 |
| Total domestic deposits to total assets | 84.6530% | 3,437 |
| Equity capital to assets | 14.5757% | 789 |
| Core capital (leverage) ratio | 13.1573% | 1,082 |
| Tier 1 risk-based capital ratio | 20.4215% | 1,520 |
| Total risk-based capital ratio | 21.6801% | 1,490 |
| Memoranda: | ||
| Average total assets | $65,866,800 | 5,398 |
| Average earning assets | $61,009,000 | 5,371 |
| Average equity | $9,039,200 | 4,968 |
| Average total loans | $40,178,200 | 5,181 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5982% | 5,142 |
| Cost of funding earning assets | 0.3126% | 4,754 |
| Net interest margin | 3.2856% | 4,662 |
| Noninterest income to average assets | 0.3156% | 4,916 |
| Noninterest expense to average assets | 1.9417% | 5,876 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3764% | 1,180 |
| Return on assets (ROA) | 1.3764% | 1,223 |
| Pretax return on assets | 1.4183% | 1,938 |
| Return on Equity (ROE) | 10.1771% | 2,130 |
| Retained earnings to average equity (ytd only) | 0.8420% | 5,545 |
| Net charge-offs to loans | -0.0033% | 5,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7883% | 5,473 |
| Assets per employee ($millions) | 6.5577% | 996 |
| Cash dividends to net income (ytd only)* | 91.7280% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8824% | 1,494 |
| Loan loss allowance to noncurrent loans | 1,330.3571% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 5,821 |
| Noncurrent loans to loans | 0.1415% | 5,496 |
| Net loans and leases to total assets | 59.2159% | 3,903 |
| Net loans and leases to deposits | 73.2638% | 3,524 |
| Net loans and leases to core deposits | 75.9550% | 3,746 |
| Total domestic deposits to total assets | 80.8256% | 4,872 |
| Equity capital to assets | 13.8021% | 1,073 |
| Core capital (leverage) ratio | 12.3301% | 1,495 |
| Tier 1 risk-based capital ratio | 19.0728% | 1,889 |
| Total risk-based capital ratio | 20.3304% | 1,851 |
| Memoranda: | ||
| Average total assets | $66,742,500 | 5,433 |
| Average earning assets | $61,844,500 | 5,408 |
| Average equity | $9,026,500 | 5,005 |
| Average total loans | $40,829,500 | 5,201 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5534% | 5,279 |
| Cost of funding earning assets | 0.3154% | 4,822 |
| Net interest margin | 3.2380% | 4,815 |
| Noninterest income to average assets | 0.3307% | 4,775 |
| Noninterest expense to average assets | 1.9365% | 5,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3585% | 1,165 |
| Return on assets (ROA) | 1.3585% | 1,210 |
| Pretax return on assets | 1.3913% | 1,925 |
| Return on Equity (ROE) | 10.1127% | 2,103 |
| Retained earnings to average equity (ytd only) | 0.7540% | 5,439 |
| Net charge-offs to loans | -0.0048% | 5,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1916% | 5,532 |
| Assets per employee ($millions) | 6.8453% | 857 |
| Cash dividends to net income (ytd only)* | 92.5439% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8215% | 1,786 |
| Loan loss allowance to noncurrent loans | 1,330.3571% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 5,926 |
| Noncurrent loans to loans | 0.1369% | 5,597 |
| Net loans and leases to total assets | 58.6607% | 3,904 |
| Net loans and leases to deposits | 74.8867% | 3,208 |
| Net loans and leases to core deposits | 76.8679% | 3,548 |
| Total domestic deposits to total assets | 78.3326% | 5,577 |
| Equity capital to assets | 13.1857% | 1,274 |
| Core capital (leverage) ratio | 12.2203% | 1,541 |
| Tier 1 risk-based capital ratio | 18.3032% | 2,129 |
| Total risk-based capital ratio | 19.5538% | 2,100 |
| Memoranda: | ||
| Average total assets | $67,131,000 | 5,470 |
| Average earning assets | $62,137,670 | 5,452 |
| Average equity | $9,018,330 | 5,020 |
| Average total loans | $41,247,000 | 5,220 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5174% | 5,374 |
| Cost of funding earning assets | 0.3104% | 4,964 |
| Net interest margin | 3.2070% | 4,901 |
| Noninterest income to average assets | 0.2889% | 5,061 |
| Noninterest expense to average assets | 1.9317% | 6,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3299% | 1,144 |
| Return on assets (ROA) | 1.3299% | 1,188 |
| Pretax return on assets | 1.3420% | 1,946 |
| Return on Equity (ROE) | 9.8064% | 2,109 |
| Retained earnings to average equity (ytd only) | 2.2630% | 4,700 |
| Net charge-offs to loans | -0.0097% | 5,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0074% | 5,539 |
| Assets per employee ($millions) | 6.7734% | 891 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8208% | 1,980 |
| Loan loss allowance to noncurrent loans | 1,330.3571% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 6,006 |
| Noncurrent loans to loans | 0.1369% | 5,693 |
| Net loans and leases to total assets | 59.3085% | 3,666 |
| Net loans and leases to deposits | 73.0307% | 3,198 |
| Net loans and leases to core deposits | 74.9184% | 3,536 |
| Total domestic deposits to total assets | 81.2103% | 5,177 |
| Equity capital to assets | 13.3611% | 1,151 |
| Core capital (leverage) ratio | 12.5474% | 1,369 |
| Tier 1 risk-based capital ratio | 17.7801% | 2,383 |
| Total risk-based capital ratio | 19.0358% | 2,350 |
| Memoranda: | ||
| Average total assets | $66,470,000 | 5,549 |
| Average earning assets | $61,864,000 | 5,508 |
| Average equity | $9,014,500 | 5,046 |
| Average total loans | $41,420,500 | 5,262 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0398% | 3,955 |
| Cost of funding earning assets | 0.3833% | 4,814 |
| Net interest margin | 3.6564% | 3,225 |
| Noninterest income to average assets | 0.3356% | 4,919 |
| Noninterest expense to average assets | 2.2266% | 5,566 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4374% | 942 |
| Return on assets (ROA) | 1.4374% | 981 |
| Pretax return on assets | 1.5002% | 1,448 |
| Return on Equity (ROE) | 10.4955% | 1,926 |
| Retained earnings to average equity (ytd only) | 1.4882% | 5,149 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7451% | 5,502 |
| Assets per employee ($millions) | 6.5206% | 979 |
| Cash dividends to net income (ytd only)* | 85.8209% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7746% | 2,147 |
| Loan loss allowance to noncurrent loans | 1,261.0169% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 6,072 |
| Noncurrent loans to loans | 0.1407% | 5,779 |
| Net loans and leases to total assets | 63.1537% | 3,187 |
| Net loans and leases to deposits | 73.9889% | 3,257 |
| Net loans and leases to core deposits | 76.3554% | 3,571 |
| Total domestic deposits to total assets | 85.3556% | 3,573 |
| Equity capital to assets | 13.7702% | 974 |
| Core capital (leverage) ratio | 12.6503% | 1,283 |
| Tier 1 risk-based capital ratio | 17.8146% | 2,304 |
| Total risk-based capital ratio | 19.0694% | 2,270 |
| Memoranda: | ||
| Average total assets | $65,257,200 | 5,613 |
| Average earning assets | $60,523,400 | 5,577 |
| Average equity | $8,937,200 | 5,096 |
| Average total loans | $43,889,000 | 5,193 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1206% | 3,679 |
| Cost of funding earning assets | 0.3944% | 4,866 |
| Net interest margin | 3.7262% | 2,933 |
| Noninterest income to average assets | 0.3391% | 4,981 |
| Noninterest expense to average assets | 2.3430% | 5,201 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3891% | 1,129 |
| Return on assets (ROA) | 1.3891% | 1,174 |
| Pretax return on assets | 1.4503% | 1,765 |
| Return on Equity (ROE) | 10.1564% | 2,123 |
| Retained earnings to average equity (ytd only) | 1.2995% | 5,465 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7663% | 5,167 |
| Assets per employee ($millions) | 6.3755% | 985 |
| Cash dividends to net income (ytd only)* | 87.2066% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 2,497 |
| Loan loss allowance to noncurrent loans | 1,261.0169% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 6,161 |
| Noncurrent loans to loans | 0.1378% | 5,914 |
| Net loans and leases to total assets | 65.9776% | 2,639 |
| Net loans and leases to deposits | 80.7634% | 2,294 |
| Net loans and leases to core deposits | 83.5332% | 2,700 |
| Total domestic deposits to total assets | 81.6924% | 5,030 |
| Equity capital to assets | 14.0005% | 966 |
| Core capital (leverage) ratio | 12.6539% | 1,349 |
| Tier 1 risk-based capital ratio | 17.8911% | 2,360 |
| Total risk-based capital ratio | 19.1452% | 2,324 |
| Memoranda: | ||
| Average total assets | $65,270,000 | 5,675 |
| Average earning assets | $60,507,250 | 5,637 |
| Average equity | $8,926,750 | 5,154 |
| Average total loans | $44,380,250 | 5,226 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0813% | 3,816 |
| Cost of funding earning assets | 0.4035% | 4,911 |
| Net interest margin | 3.6777% | 3,044 |
| Noninterest income to average assets | 0.3375% | 4,975 |
| Noninterest expense to average assets | 2.4964% | 4,747 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1707% | 1,668 |
| Return on assets (ROA) | 1.1707% | 1,775 |
| Pretax return on assets | 1.2497% | 2,485 |
| Return on Equity (ROE) | 8.6255% | 2,784 |
| Retained earnings to average equity (ytd only) | -0.8513% | 6,021 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6396% | 4,423 |
| Assets per employee ($millions) | 7.2880% | 630 |
| Cash dividends to net income (ytd only)* | 109.8701% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6437% | 2,996 |
| Loan loss allowance to noncurrent loans | 1,261.0169% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 6,222 |
| Noncurrent loans to loans | 0.1303% | 5,997 |
| Net loans and leases to total assets | 67.8757% | 2,269 |
| Net loans and leases to deposits | 84.6648% | 1,714 |
| Net loans and leases to core deposits | 88.0906% | 2,096 |
| Total domestic deposits to total assets | 80.1698% | 5,570 |
| Equity capital to assets | 13.4773% | 1,148 |
| Core capital (leverage) ratio | 12.2017% | 1,507 |
| Tier 1 risk-based capital ratio | 17.1345% | 2,663 |
| Total risk-based capital ratio | 18.3888% | 2,636 |
| Memoranda: | ||
| Average total assets | $65,775,000 | 5,697 |
| Average earning assets | $60,961,330 | 5,665 |
| Average equity | $8,927,000 | 5,189 |
| Average total loans | $44,904,330 | 5,229 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0027% | 4,108 |
| Cost of funding earning assets | 0.4200% | 4,910 |
| Net interest margin | 3.5828% | 3,331 |
| Noninterest income to average assets | 0.3158% | 5,167 |
| Noninterest expense to average assets | 1.8401% | 6,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7126% | 567 |
| Return on assets (ROA) | 1.7126% | 628 |
| Pretax return on assets | 1.7915% | 895 |
| Return on Equity (ROE) | 12.5745% | 1,274 |
| Retained earnings to average equity (ytd only) | 6.7778% | 2,263 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6689% | 6,462 |
| Assets per employee ($millions) | 7.4263% | 625 |
| Cash dividends to net income (ytd only)* | 46.0993% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6395% | 3,237 |
| Loan loss allowance to noncurrent loans | 1,261.0169% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 6,325 |
| Noncurrent loans to loans | 0.1300% | 6,082 |
| Net loans and leases to total assets | 66.7849% | 2,232 |
| Net loans and leases to deposits | 79.5371% | 2,145 |
| Net loans and leases to core deposits | 82.5404% | 2,509 |
| Total domestic deposits to total assets | 83.9670% | 4,487 |
| Equity capital to assets | 13.5449% | 1,196 |
| Core capital (leverage) ratio | 12.7980% | 1,195 |
| Tier 1 risk-based capital ratio | 17.1365% | 2,693 |
| Total risk-based capital ratio | 18.3890% | 2,666 |
| Memoranda: | ||
| Average total assets | $65,866,500 | 5,743 |
| Average earning assets | $60,958,500 | 5,711 |
| Average equity | $8,970,500 | 5,227 |
| Average total loans | $44,724,000 | 5,271 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 3,611 |
| Cost of funding earning assets | 0.5459% | 4,850 |
| Net interest margin | 3.9049% | 2,803 |
| Noninterest income to average assets | 0.3557% | 4,926 |
| Noninterest expense to average assets | 1.7936% | 6,633 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.0887% | 304 |
| Return on assets (ROA) | 2.0972% | 333 |
| Pretax return on assets | 2.1806% | 430 |
| Return on Equity (ROE) | 14.6737% | 879 |
| Retained earnings to average equity (ytd only) | -8.8313% | 6,601 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2327% | 6,810 |
| Assets per employee ($millions) | 6.4896% | 1,011 |
| Cash dividends to net income (ytd only)* | 160.1845% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6883% | 2,970 |
| Loan loss allowance to noncurrent loans | 1,219.6721% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 6,355 |
| Noncurrent loans to loans | 0.1384% | 6,137 |
| Net loans and leases to total assets | 66.7576% | 2,410 |
| Net loans and leases to deposits | 78.5719% | 2,454 |
| Net loans and leases to core deposits | 81.6214% | 2,806 |
| Total domestic deposits to total assets | 84.9636% | 3,881 |
| Equity capital to assets | 13.6958% | 1,158 |
| Core capital (leverage) ratio | 12.5340% | 1,307 |
| Tier 1 risk-based capital ratio | 17.1754% | 2,572 |
| Total risk-based capital ratio | 18.4290% | 2,542 |
| Memoranda: | ||
| Average total assets | $67,183,600 | 5,705 |
| Average earning assets | $62,101,200 | 5,665 |
| Average equity | $9,602,200 | 5,078 |
| Average total loans | $46,450,800 | 5,229 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5078% | 3,601 |
| Cost of funding earning assets | 0.5744% | 4,874 |
| Net interest margin | 3.9334% | 2,787 |
| Noninterest income to average assets | 0.3463% | 5,045 |
| Noninterest expense to average assets | 1.8360% | 6,639 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.0726% | 345 |
| Return on assets (ROA) | 2.0839% | 382 |
| Pretax return on assets | 2.1607% | 517 |
| Return on Equity (ROE) | 14.4361% | 1,015 |
| Retained earnings to average equity (ytd only) | 0.7633% | 5,850 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0741% | 6,814 |
| Assets per employee ($millions) | 6.5182% | 946 |
| Cash dividends to net income (ytd only)* | 94.7123% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6355% | 3,386 |
| Loan loss allowance to noncurrent loans | 1,219.6721% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 6,500 |
| Noncurrent loans to loans | 0.1341% | 6,264 |
| Net loans and leases to total assets | 68.6493% | 2,184 |
| Net loans and leases to deposits | 82.4070% | 2,063 |
| Net loans and leases to core deposits | 86.1845% | 2,438 |
| Total domestic deposits to total assets | 83.3052% | 4,518 |
| Equity capital to assets | 15.0333% | 816 |
| Core capital (leverage) ratio | 13.6515% | 961 |
| Tier 1 risk-based capital ratio | 18.7633% | 2,085 |
| Total risk-based capital ratio | 20.0172% | 2,049 |
| Memoranda: | ||
| Average total assets | $67,755,500 | 5,750 |
| Average earning assets | $62,675,250 | 5,710 |
| Average equity | $9,780,750 | 5,081 |
| Average total loans | $47,046,750 | 5,268 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5221% | 3,672 |
| Cost of funding earning assets | 0.5916% | 4,971 |
| Net interest margin | 3.9305% | 2,793 |
| Noninterest income to average assets | 0.3527% | 5,019 |
| Noninterest expense to average assets | 1.7956% | 6,754 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.1255% | 322 |
| Return on assets (ROA) | 2.1424% | 348 |
| Pretax return on assets | 2.2153% | 473 |
| Return on Equity (ROE) | 15.0389% | 933 |
| Retained earnings to average equity (ytd only) | 0.6138% | 5,817 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9635% | 6,917 |
| Assets per employee ($millions) | 6.8433% | 789 |
| Cash dividends to net income (ytd only)* | 95.9184% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 3,724 |
| Loan loss allowance to noncurrent loans | 1,162.5000% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 6,567 |
| Noncurrent loans to loans | 0.1346% | 6,325 |
| Net loans and leases to total assets | 68.4129% | 2,210 |
| Net loans and leases to deposits | 85.1327% | 1,708 |
| Net loans and leases to core deposits | 89.0108% | 2,097 |
| Total domestic deposits to total assets | 80.3604% | 5,647 |
| Equity capital to assets | 14.2899% | 979 |
| Core capital (leverage) ratio | 13.1205% | 1,116 |
| Tier 1 risk-based capital ratio | 17.7004% | 2,398 |
| Total risk-based capital ratio | 18.9523% | 2,362 |
| Memoranda: | ||
| Average total assets | $68,613,330 | 5,764 |
| Average earning assets | $63,554,670 | 5,717 |
| Average equity | $9,774,670 | 5,080 |
| Average total loans | $47,565,330 | 5,281 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5255% | 3,815 |
| Cost of funding earning assets | 0.6285% | 4,904 |
| Net interest margin | 3.8969% | 2,939 |
| Noninterest income to average assets | 0.3319% | 5,202 |
| Noninterest expense to average assets | 1.7757% | 6,820 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.1141% | 339 |
| Return on assets (ROA) | 2.1484% | 372 |
| Pretax return on assets | 2.2008% | 538 |
| Return on Equity (ROE) | 15.1036% | 952 |
| Retained earnings to average equity (ytd only) | 1.7191% | 5,372 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0517% | 6,948 |
| Assets per employee ($millions) | 6.8819% | 798 |
| Cash dividends to net income (ytd only)* | 88.6179% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 3,969 |
| Loan loss allowance to noncurrent loans | 1,162.5000% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0930% | 6,650 |
| Noncurrent loans to loans | 0.1329% | 6,420 |
| Net loans and leases to total assets | 68.9097% | 1,958 |
| Net loans and leases to deposits | 84.6673% | 1,577 |
| Net loans and leases to core deposits | 90.1990% | 1,832 |
| Total domestic deposits to total assets | 81.3889% | 5,497 |
| Equity capital to assets | 14.2330% | 941 |
| Core capital (leverage) ratio | 12.9824% | 1,135 |
| Tier 1 risk-based capital ratio | 17.6892% | 2,409 |
| Total risk-based capital ratio | 18.9428% | 2,379 |
| Memoranda: | ||
| Average total assets | $68,703,500 | 5,804 |
| Average earning assets | $63,640,000 | 5,763 |
| Average equity | $9,772,500 | 5,096 |
| Average total loans | $47,567,500 | 5,313 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5867% | 4,724 |
| Cost of funding earning assets | 0.8842% | 4,224 |
| Net interest margin | 3.7025% | 4,288 |
| Noninterest income to average assets | 0.2920% | 5,447 |
| Noninterest expense to average assets | 1.7380% | 7,025 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.9243% | 362 |
| Return on assets (ROA) | 1.9243% | 388 |
| Pretax return on assets | 2.0008% | 533 |
| Return on Equity (ROE) | 14.4161% | 839 |
| Retained earnings to average equity (ytd only) | 2.4270% | 4,491 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4857% | 7,023 |
| Assets per employee ($millions) | 6.8588% | 790 |
| Cash dividends to net income (ytd only)* | 83.1647% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 3,644 |
| Loan loss allowance to noncurrent loans | 1,127.2727% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 6,713 |
| Noncurrent loans to loans | 0.1405% | 6,461 |
| Net loans and leases to total assets | 67.3937% | 2,505 |
| Net loans and leases to deposits | 80.3840% | 2,449 |
| Net loans and leases to core deposits | 87.4378% | 2,444 |
| Total domestic deposits to total assets | 83.8397% | 4,389 |
| Equity capital to assets | 14.2153% | 997 |
| Core capital (leverage) ratio | 12.6065% | 1,304 |
| Tier 1 risk-based capital ratio | 17.7498% | 2,284 |
| Total risk-based capital ratio | 19.0019% | 2,256 |
| Memoranda: | ||
| Average total assets | $71,922,000 | 5,695 |
| Average earning assets | $66,954,600 | 5,643 |
| Average equity | $9,600,400 | 5,120 |
| Average total loans | $48,823,400 | 5,309 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5609% | 5,038 |
| Cost of funding earning assets | 0.9291% | 4,204 |
| Net interest margin | 3.6318% | 4,647 |
| Noninterest income to average assets | 0.3005% | 5,464 |
| Noninterest expense to average assets | 1.7593% | 7,036 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8582% | 462 |
| Return on assets (ROA) | 1.8582% | 498 |
| Pretax return on assets | 1.9297% | 730 |
| Return on Equity (ROE) | 14.1375% | 1,013 |
| Retained earnings to average equity (ytd only) | 0.8086% | 5,689 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6900% | 6,977 |
| Assets per employee ($millions) | 7.1698% | 676 |
| Cash dividends to net income (ytd only)* | 94.2795% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 4,011 |
| Loan loss allowance to noncurrent loans | 1,033.3333% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 6,807 |
| Noncurrent loans to loans | 0.1471% | 6,580 |
| Net loans and leases to total assets | 67.2320% | 2,632 |
| Net loans and leases to deposits | 81.7363% | 2,411 |
| Net loans and leases to core deposits | 88.3861% | 2,439 |
| Total domestic deposits to total assets | 82.2547% | 4,986 |
| Equity capital to assets | 13.3965% | 1,415 |
| Core capital (leverage) ratio | 12.3579% | 1,507 |
| Tier 1 risk-based capital ratio | 16.8279% | 2,707 |
| Total risk-based capital ratio | 18.0798% | 2,680 |
| Memoranda: | ||
| Average total assets | $72,755,500 | 5,718 |
| Average earning assets | $67,880,000 | 5,657 |
| Average equity | $9,563,000 | 5,166 |
| Average total loans | $49,287,250 | 5,335 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5758% | 5,073 |
| Cost of funding earning assets | 0.9901% | 4,012 |
| Net interest margin | 3.5856% | 4,772 |
| Noninterest income to average assets | 0.3201% | 5,338 |
| Noninterest expense to average assets | 1.7454% | 7,139 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.8575% | 438 |
| Return on assets (ROA) | 1.8575% | 465 |
| Pretax return on assets | 1.9232% | 671 |
| Return on Equity (ROE) | 14.2214% | 931 |
| Retained earnings to average equity (ytd only) | 0.3351% | 5,712 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5764% | 7,080 |
| Assets per employee ($millions) | 7.1885% | 662 |
| Cash dividends to net income (ytd only)* | 97.6436% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 3,975 |
| Loan loss allowance to noncurrent loans | 1,019.1781% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 6,841 |
| Noncurrent loans to loans | 0.1504% | 6,607 |
| Net loans and leases to total assets | 66.5062% | 2,928 |
| Net loans and leases to deposits | 78.7507% | 2,999 |
| Net loans and leases to core deposits | 84.9542% | 3,080 |
| Total domestic deposits to total assets | 84.4516% | 4,146 |
| Equity capital to assets | 13.2851% | 1,394 |
| Core capital (leverage) ratio | 12.0060% | 1,591 |
| Tier 1 risk-based capital ratio | 16.6180% | 2,688 |
| Total risk-based capital ratio | 17.8718% | 2,641 |
| Memoranda: | ||
| Average total assets | $73,108,000 | 5,745 |
| Average earning assets | $68,272,670 | 5,686 |
| Average equity | $9,549,000 | 5,172 |
| Average total loans | $49,400,330 | 5,381 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5237% | 5,257 |
| Cost of funding earning assets | 1.0104% | 4,132 |
| Net interest margin | 3.5133% | 4,947 |
| Noninterest income to average assets | 0.3364% | 5,215 |
| Noninterest expense to average assets | 1.6875% | 7,242 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8828% | 419 |
| Return on assets (ROA) | 1.8828% | 442 |
| Pretax return on assets | 1.9316% | 634 |
| Return on Equity (ROE) | 14.5363% | 900 |
| Retained earnings to average equity (ytd only) | 1.6757% | 5,114 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6267% | 7,175 |
| Assets per employee ($millions) | 7.3017% | 639 |
| Cash dividends to net income (ytd only)* | 88.4726% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 4,203 |
| Loan loss allowance to noncurrent loans | 1,019.1781% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 6,910 |
| Noncurrent loans to loans | 0.1474% | 6,681 |
| Net loans and leases to total assets | 66.8255% | 2,804 |
| Net loans and leases to deposits | 81.0128% | 2,520 |
| Net loans and leases to core deposits | 87.5354% | 2,664 |
| Total domestic deposits to total assets | 82.4876% | 5,112 |
| Equity capital to assets | 13.1106% | 1,337 |
| Core capital (leverage) ratio | 11.8796% | 1,629 |
| Tier 1 risk-based capital ratio | 16.3069% | 2,757 |
| Total risk-based capital ratio | 17.5582% | 2,717 |
| Memoranda: | ||
| Average total assets | $73,719,500 | 5,770 |
| Average earning assets | $68,881,500 | 5,701 |
| Average equity | $9,548,500 | 5,158 |
| Average total loans | $49,824,500 | 5,399 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7937% | 5,438 |
| Cost of funding earning assets | 1.3122% | 3,802 |
| Net interest margin | 3.4815% | 5,316 |
| Noninterest income to average assets | 0.2534% | 5,987 |
| Noninterest expense to average assets | 1.6962% | 7,352 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.7297% | 486 |
| Return on assets (ROA) | 1.7336% | 526 |
| Pretax return on assets | 1.8056% | 750 |
| Return on Equity (ROE) | 13.7952% | 927 |
| Retained earnings to average equity (ytd only) | 2.9713% | 3,776 |
| Net charge-offs to loans | -0.0020% | 7,237 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4941% | 7,241 |
| Assets per employee ($millions) | 7.4422% | 607 |
| Cash dividends to net income (ytd only)* | 78.4615% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4847% | 4,096 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 66.3339% | 3,397 |
| Net loans and leases to deposits | 82.4198% | 2,724 |
| Net loans and leases to core deposits | 89.0812% | 2,879 |
| Total domestic deposits to total assets | 80.4829% | 5,691 |
| Equity capital to assets | 12.7973% | 1,488 |
| Core capital (leverage) ratio | 11.9837% | 1,560 |
| Tier 1 risk-based capital ratio | 16.2449% | 2,639 |
| Total risk-based capital ratio | 17.4952% | 2,592 |
| Memoranda: | ||
| Average total assets | $74,989,600 | 5,740 |
| Average earning assets | $69,883,600 | 5,674 |
| Average equity | $9,423,600 | 5,291 |
| Average total loans | $51,100,400 | 5,441 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8588% | 5,443 |
| Cost of funding earning assets | 1.3676% | 3,791 |
| Net interest margin | 3.4913% | 5,332 |
| Noninterest income to average assets | 0.2360% | 6,200 |
| Noninterest expense to average assets | 1.6806% | 7,448 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.7376% | 579 |
| Return on assets (ROA) | 1.7427% | 625 |
| Pretax return on assets | 1.8137% | 904 |
| Return on Equity (ROE) | 13.9309% | 1,050 |
| Retained earnings to average equity (ytd only) | 2.2273% | 4,832 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1689% | 7,263 |
| Assets per employee ($millions) | 7.5786% | 604 |
| Cash dividends to net income (ytd only)* | 84.0121% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 3,993 |
| Loan loss allowance to noncurrent loans | 5,307.1429% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 7,316 |
| Noncurrent loans to loans | 0.0282% | 7,192 |
| Net loans and leases to total assets | 64.6254% | 3,990 |
| Net loans and leases to deposits | 81.2155% | 3,234 |
| Net loans and leases to core deposits | 88.2421% | 3,335 |
| Total domestic deposits to total assets | 79.5727% | 5,842 |
| Equity capital to assets | 12.4852% | 1,867 |
| Core capital (leverage) ratio | 11.5437% | 1,913 |
| Tier 1 risk-based capital ratio | 15.6322% | 2,939 |
| Total risk-based capital ratio | 16.8071% | 2,932 |
| Memoranda: | ||
| Average total assets | $75,131,500 | 5,802 |
| Average earning assets | $70,001,500 | 5,735 |
| Average equity | $9,398,500 | 5,376 |
| Average total loans | $51,347,750 | 5,513 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9280% | 5,277 |
| Cost of funding earning assets | 1.4231% | 3,727 |
| Net interest margin | 3.5049% | 5,231 |
| Noninterest income to average assets | 0.2403% | 6,188 |
| Noninterest expense to average assets | 1.6793% | 7,514 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.7597% | 518 |
| Return on assets (ROA) | 1.7674% | 562 |
| Pretax return on assets | 1.8368% | 824 |
| Return on Equity (ROE) | 14.1192% | 1,021 |
| Retained earnings to average equity (ytd only) | 2.4741% | 4,576 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8691% | 7,356 |
| Assets per employee ($millions) | 7.4283% | 638 |
| Cash dividends to net income (ytd only)* | 82.4773% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 4,047 |
| Loan loss allowance to noncurrent loans | 5,307.1429% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 7,361 |
| Noncurrent loans to loans | 0.0278% | 7,252 |
| Net loans and leases to total assets | 66.8861% | 3,641 |
| Net loans and leases to deposits | 79.9244% | 3,611 |
| Net loans and leases to core deposits | 88.4641% | 3,488 |
| Total domestic deposits to total assets | 83.6867% | 4,251 |
| Equity capital to assets | 12.6610% | 1,703 |
| Core capital (leverage) ratio | 11.4888% | 1,922 |
| Tier 1 risk-based capital ratio | 15.4340% | 2,935 |
| Total risk-based capital ratio | 16.6864% | 2,894 |
| Memoranda: | ||
| Average total assets | $74,913,330 | 5,839 |
| Average earning assets | $69,846,000 | 5,779 |
| Average equity | $9,377,330 | 5,385 |
| Average total loans | $51,890,330 | 5,522 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9660% | 5,169 |
| Cost of funding earning assets | 1.4898% | 3,623 |
| Net interest margin | 3.4762% | 5,264 |
| Noninterest income to average assets | 0.1967% | 6,553 |
| Noninterest expense to average assets | 1.6696% | 7,600 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7073% | 607 |
| Return on assets (ROA) | 1.7228% | 639 |
| Pretax return on assets | 1.7812% | 914 |
| Return on Equity (ROE) | 13.8410% | 1,082 |
| Retained earnings to average equity (ytd only) | 5.0836% | 3,111 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6068% | 7,400 |
| Assets per employee ($millions) | 7.5563% | 633 |
| Cash dividends to net income (ytd only)* | 63.2716% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 4,316 |
| Loan loss allowance to noncurrent loans | 5,307.1429% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 7,449 |
| Noncurrent loans to loans | 0.0268% | 7,348 |
| Net loans and leases to total assets | 68.2146% | 3,336 |
| Net loans and leases to deposits | 80.5189% | 3,549 |
| Net loans and leases to core deposits | 87.0207% | 3,748 |
| Total domestic deposits to total assets | 84.7187% | 3,799 |
| Equity capital to assets | 12.4849% | 1,767 |
| Core capital (leverage) ratio | 11.3578% | 1,995 |
| Tier 1 risk-based capital ratio | 14.8364% | 3,190 |
| Total risk-based capital ratio | 16.0869% | 3,150 |
| Memoranda: | ||
| Average total assets | $75,228,500 | 5,898 |
| Average earning assets | $70,076,000 | 5,845 |
| Average equity | $9,363,500 | 5,433 |
| Average total loans | $52,621,500 | 5,554 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5344% | 3,962 |
| Cost of funding earning assets | 1.7557% | 4,222 |
| Net interest margin | 3.7788% | 3,803 |
| Noninterest income to average assets | 0.2791% | 6,107 |
| Noninterest expense to average assets | 1.9255% | 7,462 |
| Loan and lease loss provision to assets | 0.0564% | 7,002 |
| Net operating income to assets | 1.7526% | 396 |
| Return on assets (ROA) | 1.7900% | 386 |
| Pretax return on assets | 1.8624% | 555 |
| Return on Equity (ROE) | 14.5028% | 713 |
| Retained earnings to average equity (ytd only) | 2.1417% | 3,606 |
| Net charge-offs to loans | 0.0149% | 7,012 |
| Credit loss provision to net charge-offs | 525.0000% | 577 |
| Earnings coverage of net charge-offs (x) | 175.1250% | 161 |
| Efficiency ratio | 50.5994% | 7,502 |
| Assets per employee ($millions) | 6.8085% | 862 |
| Cash dividends to net income (ytd only)* | 85.2324% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 4,222 |
| 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 | 69.7145% | 3,319 |
| Net loans and leases to deposits | 82.9117% | 3,469 |
| Net loans and leases to core deposits | 104.4219% | 3,521 |
| Total domestic deposits to total assets | 84.0828% | 3,993 |
| Equity capital to assets | 12.4082% | 1,793 |
| Core capital (leverage) ratio | 11.2886% | 2,053 |
| Tier 1 risk-based capital ratio | 14.5703% | 3,164 |
| Total risk-based capital ratio | 15.8217% | 3,118 |
| Memoranda: | ||
| Average total assets | $74,526,000 | 5,879 |
| Average earning assets | $69,546,600 | 5,824 |
| Average equity | $9,198,200 | 5,548 |
| Average total loans | $53,589,400 | 5,524 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6162% | 3,764 |
| Cost of funding earning assets | 1.7826% | 4,465 |
| Net interest margin | 3.8336% | 3,508 |
| Noninterest income to average assets | 0.2920% | 6,144 |
| Noninterest expense to average assets | 1.9955% | 7,396 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.8059% | 435 |
| Return on assets (ROA) | 1.8557% | 420 |
| Pretax return on assets | 1.9310% | 619 |
| Return on Equity (ROE) | 15.0559% | 766 |
| Retained earnings to average equity (ytd only) | 2.6304% | 3,855 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5025% | 7,446 |
| Assets per employee ($millions) | 6.6791% | 905 |
| Cash dividends to net income (ytd only)* | 82.5288% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 4,561 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 7,418 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 73.8016% | 2,590 |
| Net loans and leases to deposits | 87.3731% | 3,080 |
| Net loans and leases to core deposits | 110.1133% | 3,224 |
| Total domestic deposits to total assets | 84.4671% | 3,491 |
| Equity capital to assets | 12.6786% | 1,843 |
| Core capital (leverage) ratio | 11.5261% | 2,065 |
| Tier 1 risk-based capital ratio | 14.3607% | 3,351 |
| Total risk-based capital ratio | 15.5808% | 3,313 |
| Memoranda: | ||
| Average total assets | $74,434,000 | 5,922 |
| Average earning assets | $69,558,750 | 5,859 |
| Average equity | $9,174,500 | 5,605 |
| Average total loans | $53,748,000 | 5,564 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5963% | 4,100 |
| Cost of funding earning assets | 1.7823% | 4,847 |
| Net interest margin | 3.8140% | 3,493 |
| Noninterest income to average assets | 0.2970% | 6,136 |
| Noninterest expense to average assets | 2.0253% | 7,420 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.7662% | 503 |
| Return on assets (ROA) | 1.8407% | 457 |
| Pretax return on assets | 1.9102% | 682 |
| Return on Equity (ROE) | 15.0750% | 822 |
| Retained earnings to average equity (ytd only) | 2.4760% | 3,959 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4965% | 7,477 |
| Assets per employee ($millions) | 6.5509% | 944 |
| Cash dividends to net income (ytd only)* | 83.5756% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 3,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 7,452 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 70.1332% | 3,675 |
| Net loans and leases to deposits | 82.8492% | 4,072 |
| Net loans and leases to core deposits | 103.4894% | 4,124 |
| Total domestic deposits to total assets | 84.6517% | 3,421 |
| Equity capital to assets | 12.7435% | 1,815 |
| Core capital (leverage) ratio | 11.3993% | 2,133 |
| Tier 1 risk-based capital ratio | 14.8704% | 3,076 |
| Total risk-based capital ratio | 16.1210% | 3,012 |
| Memoranda: | ||
| Average total assets | $74,755,330 | 5,959 |
| Average earning assets | $69,795,670 | 5,895 |
| Average equity | $9,127,670 | 5,641 |
| Average total loans | $53,353,670 | 5,623 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6412% | 4,100 |
| Cost of funding earning assets | 1.7980% | 5,117 |
| Net interest margin | 3.8432% | 3,283 |
| Noninterest income to average assets | 0.2681% | 6,299 |
| Noninterest expense to average assets | 2.0551% | 7,225 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7691% | 563 |
| Return on assets (ROA) | 1.9185% | 461 |
| Pretax return on assets | 1.9605% | 709 |
| Return on Equity (ROE) | 16.0440% | 818 |
| Retained earnings to average equity (ytd only) | 3.1648% | 4,112 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1973% | 7,296 |
| Assets per employee ($millions) | 6.6965% | 879 |
| Cash dividends to net income (ytd only)* | 80.2740% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 3,922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 7,434 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 71.5168% | 3,348 |
| Net loans and leases to deposits | 86.2151% | 3,590 |
| Net loans and leases to core deposits | 106.5512% | 3,844 |
| Total domestic deposits to total assets | 82.9516% | 4,171 |
| Equity capital to assets | 12.4679% | 1,992 |
| Core capital (leverage) ratio | 11.0527% | 2,464 |
| Tier 1 risk-based capital ratio | 14.4067% | 3,359 |
| Total risk-based capital ratio | 15.6470% | 3,290 |
| Memoranda: | ||
| Average total assets | $76,103,000 | 5,942 |
| Average earning assets | $71,190,500 | 5,872 |
| Average equity | $9,100,000 | 5,670 |
| Average total loans | $54,407,000 | 5,608 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2728% | 4,107 |
| Cost of funding earning assets | 2.4530% | 4,457 |
| Net interest margin | 3.8198% | 3,941 |
| Noninterest income to average assets | 0.3020% | 6,291 |
| Noninterest expense to average assets | 1.8541% | 7,684 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.9244% | 413 |
| Return on assets (ROA) | 1.6228% | 762 |
| Pretax return on assets | 1.6999% | 1,146 |
| Return on Equity (ROE) | 14.2557% | 1,057 |
| Retained earnings to average equity (ytd only) | 0.1580% | 5,135 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8925% | 7,817 |
| Assets per employee ($millions) | 7.1405% | 663 |
| Cash dividends to net income (ytd only)* | 98.8915% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 3,936 |
| Loan loss allowance to noncurrent loans | 1,729.2683% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 7,371 |
| Noncurrent loans to loans | 0.0740% | 7,207 |
| Net loans and leases to total assets | 69.6620% | 4,101 |
| Net loans and leases to deposits | 84.8073% | 4,286 |
| Net loans and leases to core deposits | 103.3840% | 4,455 |
| Total domestic deposits to total assets | 82.1414% | 4,145 |
| Equity capital to assets | 11.4788% | 2,646 |
| Core capital (leverage) ratio | 10.5522% | 2,937 |
| Tier 1 risk-based capital ratio | 13.6528% | 3,724 |
| Total risk-based capital ratio | 14.8386% | 3,675 |
| Memoranda: | ||
| Average total assets | $77,826,200 | 5,771 |
| Average earning assets | $72,726,800 | 5,719 |
| Average equity | $8,859,600 | 5,785 |
| Average total loans | $52,947,200 | 5,583 |