Home > Hiawatha Bank and Trust Company > Performance and Condition Ratios
Hiawatha Bank and Trust Company, 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 | 4.2586% | 3,511 |
| Cost of funding earning assets | 1.0311% | 3,227 |
| Net interest margin | 3.2275% | 2,804 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.1980% | 3,135 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8138% | 2,827 |
| Return on assets (ROA) | 0.8138% | 2,806 |
| Pretax return on assets | 1.0459% | 2,546 |
| Return on Equity (ROE) | 8.8800% | 2,790 |
| Retained earnings to average equity (ytd only) | 1.2506% | 3,771 |
| Net charge-offs to loans | -0.0083% | 3,956 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.7586% | 2,136 |
| Assets per employee ($millions) | 7.1120% | 2,000 |
| Cash dividends to net income (ytd only)* | 85.9107% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1631% | 2,489 |
| Loan loss allowance to noncurrent loans | 28,375.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 2,647 |
| Noncurrent loans to loans | 0.0041% | 3,763 |
| Net loans and leases to total assets | 67.8100% | 2,062 |
| Net loans and leases to deposits | 75.8018% | 2,475 |
| Net loans and leases to core deposits | 76.9951% | 2,918 |
| Total domestic deposits to total assets | 89.4600% | 918 |
| Equity capital to assets | 9.6914% | 2,206 |
| Core capital (leverage) ratio | 10.9163% | 2,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $143,038,800 | 3,432 |
| Average earning assets | $133,447,400 | 3,411 |
| Average equity | $13,114,000 | 3,416 |
| Average total loans | $96,935,800 | 3,211 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1804% | 3,503 |
| Cost of funding earning assets | 0.9265% | 3,211 |
| Net interest margin | 3.2539% | 2,795 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.2349% | 2,976 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7940% | 3,038 |
| Return on assets (ROA) | 0.7940% | 3,038 |
| Pretax return on assets | 1.0220% | 2,791 |
| Return on Equity (ROE) | 8.7800% | 2,988 |
| Retained earnings to average equity (ytd only) | -1.5139% | 4,290 |
| Net charge-offs to loans | -0.0083% | 3,882 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.6196% | 1,946 |
| Assets per employee ($millions) | 7.1477% | 1,849 |
| Cash dividends to net income (ytd only)* | 117.2333% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 2,006 |
| Loan loss allowance to noncurrent loans | 124,100.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 2,689 |
| Noncurrent loans to loans | 0.0010% | 3,826 |
| Net loans and leases to total assets | 67.4100% | 2,118 |
| Net loans and leases to deposits | 79.1802% | 2,126 |
| Net loans and leases to core deposits | 80.7858% | 2,541 |
| Total domestic deposits to total assets | 85.1400% | 2,458 |
| Equity capital to assets | 8.9694% | 2,439 |
| Core capital (leverage) ratio | 10.5655% | 2,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $143,238,500 | 3,435 |
| Average earning assets | $133,539,750 | 3,414 |
| Average equity | $12,946,250 | 3,426 |
| Average total loans | $96,773,250 | 3,215 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0701% | 3,551 |
| Cost of funding earning assets | 0.7547% | 3,335 |
| Net interest margin | 3.3154% | 2,713 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.1949% | 3,094 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8581% | 2,894 |
| Return on assets (ROA) | 0.8581% | 2,894 |
| Pretax return on assets | 1.1177% | 2,594 |
| Return on Equity (ROE) | 9.4700% | 2,842 |
| Retained earnings to average equity (ytd only) | 0.2310% | 4,033 |
| Net charge-offs to loans | -0.0083% | 3,855 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.2595% | 2,200 |
| Assets per employee ($millions) | 7.2140% | 1,778 |
| Cash dividends to net income (ytd only)* | 97.5610% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 2,051 |
| Loan loss allowance to noncurrent loans | 61,950.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 2,649 |
| Noncurrent loans to loans | 0.0021% | 3,822 |
| Net loans and leases to total assets | 66.6500% | 2,091 |
| Net loans and leases to deposits | 78.4499% | 2,096 |
| Net loans and leases to core deposits | 79.9621% | 2,475 |
| Total domestic deposits to total assets | 84.9500% | 2,551 |
| Equity capital to assets | 9.0505% | 2,484 |
| Core capital (leverage) ratio | 10.7874% | 2,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $143,333,667 | 3,445 |
| Average earning assets | $133,558,333 | 3,431 |
| Average equity | $12,987,667 | 3,435 |
| Average total loans | $96,493,667 | 3,215 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9209% | 3,632 |
| Cost of funding earning assets | 0.5850% | 3,423 |
| Net interest margin | 3.3359% | 2,776 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.0832% | 3,420 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9492% | 2,694 |
| Return on assets (ROA) | 0.9492% | 2,652 |
| Pretax return on assets | 1.2404% | 2,330 |
| Return on Equity (ROE) | 10.4700% | 2,641 |
| Retained earnings to average equity (ytd only) | -8.0602% | 4,433 |
| Net charge-offs to loans | -0.0042% | 3,587 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.6790% | 2,611 |
| Assets per employee ($millions) | 6.9734% | 1,996 |
| Cash dividends to net income (ytd only)* | 176.9912% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 2,035 |
| Loan loss allowance to noncurrent loans | 61,800.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 2,325 |
| Noncurrent loans to loans | 0.0021% | 3,853 |
| Net loans and leases to total assets | 67.2800% | 1,924 |
| Net loans and leases to deposits | 75.0188% | 2,211 |
| Net loans and leases to core deposits | 76.6539% | 2,484 |
| Total domestic deposits to total assets | 89.6800% | 1,269 |
| Equity capital to assets | 9.2595% | 2,312 |
| Core capital (leverage) ratio | 10.5790% | 2,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $142,860,500 | 3,495 |
| Average earning assets | $133,337,000 | 3,481 |
| Average equity | $12,952,500 | 3,479 |
| Average total loans | $96,043,000 | 3,255 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 3,040 |
| Cost of funding earning assets | 0.2833% | 3,012 |
| Net interest margin | 3.2312% | 2,761 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.1791% | 3,076 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0474% | 2,384 |
| Return on assets (ROA) | 1.0591% | 2,285 |
| Pretax return on assets | 1.3347% | 1,979 |
| Return on Equity (ROE) | 11.7500% | 2,231 |
| Retained earnings to average equity (ytd only) | 6.5424% | 2,433 |
| Net charge-offs to loans | 0.0129% | 1,900 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 164.0000% | 743 |
| Efficiency ratio | 62.2772% | 2,722 |
| Assets per employee ($millions) | 7.3127% | 1,747 |
| Cash dividends to net income (ytd only)* | 44.3319% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,024 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 2,416 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 65.4900% | 2,090 |
| Net loans and leases to deposits | 72.2619% | 2,387 |
| Net loans and leases to core deposits | 72.7525% | 2,665 |
| Total domestic deposits to total assets | 90.6300% | 1,096 |
| Equity capital to assets | 8.8825% | 2,432 |
| Core capital (leverage) ratio | 10.4893% | 2,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $149,095,600 | 3,451 |
| Average earning assets | $140,475,800 | 3,414 |
| Average equity | $13,435,400 | 3,532 |
| Average total loans | $92,960,400 | 3,248 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 2,103 |
| Cost of funding earning assets | 0.1976% | 3,312 |
| Net interest margin | 3.4814% | 1,718 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.3635% | 2,433 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1925% | 1,724 |
| Return on assets (ROA) | 1.2060% | 1,655 |
| Pretax return on assets | 1.5174% | 1,364 |
| Return on Equity (ROE) | 12.7200% | 1,798 |
| Retained earnings to average equity (ytd only) | 3.0211% | 3,769 |
| Net charge-offs to loans | 0.0258% | 1,307 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 81.5714% | 1,037 |
| Efficiency ratio | 61.1697% | 2,942 |
| Assets per employee ($millions) | 6.4973% | 2,320 |
| Cash dividends to net income (ytd only)* | 76.2527% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 2,600 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 2,104 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 74.8400% | 1,027 |
| Net loans and leases to deposits | 83.2373% | 1,352 |
| Net loans and leases to core deposits | 83.4926% | 1,692 |
| Total domestic deposits to total assets | 89.9100% | 1,703 |
| Equity capital to assets | 9.5291% | 1,866 |
| Core capital (leverage) ratio | 10.1591% | 2,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $101,486,750 | 3,937 |
| Average earning assets | $96,510,000 | 3,895 |
| Average equity | $9,621,000 | 3,958 |
| Average total loans | $72,297,500 | 3,549 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4859% | 2,179 |
| Cost of funding earning assets | 0.1669% | 3,358 |
| Net interest margin | 3.3190% | 1,855 |
| Noninterest income to average assets | 0.2587% | 3,622 |
| Noninterest expense to average assets | 2.2250% | 2,775 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0075% | 2,127 |
| Return on assets (ROA) | 1.0075% | 2,099 |
| Pretax return on assets | 1.2059% | 2,059 |
| Return on Equity (ROE) | 10.6449% | 2,117 |
| Retained earnings to average equity (ytd only) | 3.4524% | 3,291 |
| Net charge-offs to loans | 0.0167% | 1,411 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 103.3333% | 798 |
| Efficiency ratio | 64.8526% | 2,656 |
| Assets per employee ($millions) | 6.6594% | 2,198 |
| Cash dividends to net income (ytd only)* | 67.5676% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 2,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 2,286 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 67.5045% | 1,524 |
| Net loans and leases to deposits | 74.3829% | 1,825 |
| Net loans and leases to core deposits | 74.5888% | 2,119 |
| Total domestic deposits to total assets | 90.7527% | 1,360 |
| Equity capital to assets | 8.7949% | 2,538 |
| Core capital (leverage) ratio | 9.8537% | 2,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,829,333 | 3,964 |
| Average earning assets | $98,281,667 | 3,926 |
| Average equity | $9,732,333 | 4,027 |
| Average total loans | $71,793,000 | 3,588 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4374% | 1,979 |
| Cost of funding earning assets | 0.1785% | 3,104 |
| Net interest margin | 3.2589% | 1,687 |
| Noninterest income to average assets | 0.2496% | 3,650 |
| Noninterest expense to average assets | 2.2343% | 2,735 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8517% | 2,481 |
| Return on assets (ROA) | 0.8517% | 2,470 |
| Pretax return on assets | 1.1251% | 2,067 |
| Return on Equity (ROE) | 8.6755% | 2,450 |
| Retained earnings to average equity (ytd only) | -5.4474% | 4,433 |
| Net charge-offs to loans | -0.0056% | 3,372 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5094% | 2,705 |
| Assets per employee ($millions) | 6.3608% | 2,490 |
| Cash dividends to net income (ytd only)* | 162.7907% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 2,348 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 69.5761% | 1,056 |
| Net loans and leases to deposits | 77.4377% | 1,331 |
| Net loans and leases to core deposits | 77.6644% | 1,643 |
| Total domestic deposits to total assets | 89.8479% | 1,660 |
| Equity capital to assets | 9.3808% | 2,382 |
| Core capital (leverage) ratio | 9.8386% | 2,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,969,000 | 3,995 |
| Average earning assets | $96,351,000 | 3,966 |
| Average equity | $9,913,000 | 4,065 |
| Average total loans | $71,284,500 | 3,596 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6270% | 2,315 |
| Cost of funding earning assets | 0.2262% | 3,182 |
| Net interest margin | 3.4009% | 2,031 |
| Noninterest income to average assets | 0.6998% | 1,770 |
| Noninterest expense to average assets | 2.3536% | 2,646 |
| Loan and lease loss provision to assets | 0.0456% | 2,142 |
| Net operating income to assets | 1.1753% | 2,005 |
| Return on assets (ROA) | 1.2153% | 1,925 |
| Pretax return on assets | 1.5799% | 1,482 |
| Return on Equity (ROE) | 11.7334% | 1,905 |
| Retained earnings to average equity (ytd only) | 3.6178% | 3,373 |
| Net charge-offs to loans | -0.0056% | 3,581 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9123% | 3,163 |
| Assets per employee ($millions) | 6.2604% | 2,518 |
| Cash dividends to net income (ytd only)* | 69.1667% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 2,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2196% | 2,463 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 69.8630% | 1,058 |
| Net loans and leases to deposits | 78.7015% | 1,328 |
| Net loans and leases to core deposits | 78.9385% | 1,681 |
| Total domestic deposits to total assets | 88.7696% | 1,632 |
| Equity capital to assets | 10.2620% | 2,412 |
| Core capital (leverage) ratio | 10.1363% | 2,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,740,600 | 4,004 |
| Average earning assets | $93,740,200 | 3,978 |
| Average equity | $10,227,200 | 4,099 |
| Average total loans | $71,553,400 | 3,615 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6743% | 2,342 |
| Cost of funding earning assets | 0.2388% | 3,224 |
| Net interest margin | 3.4354% | 2,054 |
| Noninterest income to average assets | 0.8253% | 1,456 |
| Noninterest expense to average assets | 2.3879% | 2,476 |
| Loan and lease loss provision to assets | 0.0610% | 1,775 |
| Net operating income to assets | 1.2244% | 2,088 |
| Return on assets (ROA) | 1.2780% | 1,950 |
| Pretax return on assets | 1.6994% | 1,403 |
| Return on Equity (ROE) | 12.3093% | 1,936 |
| Retained earnings to average equity (ytd only) | 1.4750% | 4,316 |
| Net charge-offs to loans | -0.0074% | 3,565 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5188% | 3,192 |
| Assets per employee ($millions) | 6.2125% | 2,488 |
| Cash dividends to net income (ytd only)* | 88.0170% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 2,390 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 2,675 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 66.9024% | 1,441 |
| Net loans and leases to deposits | 75.3484% | 1,731 |
| Net loans and leases to core deposits | 75.5762% | 2,095 |
| Total domestic deposits to total assets | 88.7907% | 1,405 |
| Equity capital to assets | 10.2495% | 2,655 |
| Core capital (leverage) ratio | 9.8323% | 2,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,384,250 | 4,051 |
| Average earning assets | $93,222,500 | 4,031 |
| Average equity | $10,214,250 | 4,158 |
| Average total loans | $71,724,500 | 3,670 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7170% | 2,288 |
| Cost of funding earning assets | 0.2544% | 3,245 |
| Net interest margin | 3.4626% | 1,969 |
| Noninterest income to average assets | 1.0526% | 988 |
| Noninterest expense to average assets | 2.4152% | 2,412 |
| Loan and lease loss provision to assets | 0.0918% | 1,360 |
| Net operating income to assets | 1.3779% | 1,635 |
| Return on assets (ROA) | 1.4585% | 1,466 |
| Pretax return on assets | 1.9236% | 972 |
| Return on Equity (ROE) | 13.9881% | 1,414 |
| Retained earnings to average equity (ytd only) | 7.1408% | 2,376 |
| Net charge-offs to loans | -0.0055% | 3,461 |
| Credit loss provision to net charge-offs | -2,250.0000% | 3,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7964% | 3,567 |
| Assets per employee ($millions) | 6.0326% | 2,580 |
| Cash dividends to net income (ytd only)* | 48.9510% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 2,705 |
| Loan loss allowance to noncurrent loans | 88,800.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 2,858 |
| Noncurrent loans to loans | 0.0014% | 4,270 |
| Net loans and leases to total assets | 68.7007% | 1,363 |
| Net loans and leases to deposits | 77.3112% | 1,697 |
| Net loans and leases to core deposits | 77.5366% | 2,093 |
| Total domestic deposits to total assets | 88.8626% | 1,346 |
| Equity capital to assets | 10.1780% | 2,697 |
| Core capital (leverage) ratio | 10.2344% | 2,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,045,667 | 4,082 |
| Average earning assets | $92,762,667 | 4,061 |
| Average equity | $10,223,000 | 4,175 |
| Average total loans | $73,169,000 | 3,668 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8475% | 1,960 |
| Cost of funding earning assets | 0.2878% | 3,123 |
| Net interest margin | 3.5597% | 1,679 |
| Noninterest income to average assets | 1.2318% | 819 |
| Noninterest expense to average assets | 2.5180% | 2,129 |
| Loan and lease loss provision to assets | 0.0960% | 1,399 |
| Net operating income to assets | 1.4594% | 1,424 |
| Return on assets (ROA) | 1.6244% | 1,128 |
| Pretax return on assets | 2.1839% | 711 |
| Return on Equity (ROE) | 15.3823% | 1,140 |
| Retained earnings to average equity (ytd only) | 1.5422% | 4,110 |
| Net charge-offs to loans | -0.0108% | 3,698 |
| Credit loss provision to net charge-offs | -1,150.0000% | 3,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8681% | 3,693 |
| Assets per employee ($millions) | 5.8065% | 2,790 |
| Cash dividends to net income (ytd only)* | 89.9743% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 3,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 3,036 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 74.7067% | 744 |
| Net loans and leases to deposits | 86.6382% | 913 |
| Net loans and leases to core deposits | 86.9088% | 1,463 |
| Total domestic deposits to total assets | 86.2283% | 2,657 |
| Equity capital to assets | 10.2360% | 2,491 |
| Core capital (leverage) ratio | 10.4984% | 2,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,791,000 | 4,125 |
| Average earning assets | $90,344,500 | 4,096 |
| Average equity | $10,115,500 | 4,202 |
| Average total loans | $74,081,500 | 3,667 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5823% | 1,129 |
| Cost of funding earning assets | 0.4933% | 2,989 |
| Net interest margin | 4.0891% | 805 |
| Noninterest income to average assets | 0.5258% | 2,523 |
| Noninterest expense to average assets | 2.7224% | 2,169 |
| Loan and lease loss provision to assets | 0.0281% | 4,047 |
| Net operating income to assets | 1.2317% | 1,442 |
| Return on assets (ROA) | 1.2441% | 1,507 |
| Pretax return on assets | 1.6551% | 944 |
| Return on Equity (ROE) | 11.4278% | 1,485 |
| Retained earnings to average equity (ytd only) | 4.7056% | 2,414 |
| Net charge-offs to loans | -0.0028% | 4,028 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0159% | 3,127 |
| Assets per employee ($millions) | 5.4631% | 2,881 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 3,238 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 3,105 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 78.2938% | 580 |
| Net loans and leases to deposits | 91.5596% | 811 |
| Net loans and leases to core deposits | 91.8662% | 1,393 |
| Total domestic deposits to total assets | 85.5112% | 2,564 |
| Equity capital to assets | 10.9043% | 2,336 |
| Core capital (leverage) ratio | 10.6348% | 2,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,818,000 | 4,130 |
| Average earning assets | $83,930,800 | 4,099 |
| Average equity | $9,669,400 | 4,228 |
| Average total loans | $72,271,600 | 3,684 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6495% | 1,186 |
| Cost of funding earning assets | 0.5497% | 2,927 |
| Net interest margin | 4.0997% | 897 |
| Noninterest income to average assets | 0.5725% | 2,293 |
| Noninterest expense to average assets | 2.7697% | 2,056 |
| Loan and lease loss provision to assets | 0.0376% | 3,883 |
| Net operating income to assets | 1.2405% | 1,516 |
| Return on assets (ROA) | 1.2573% | 1,576 |
| Pretax return on assets | 1.6703% | 1,028 |
| Return on Equity (ROE) | 11.5539% | 1,493 |
| Retained earnings to average equity (ytd only) | 2.4838% | 3,751 |
| Net charge-offs to loans | -0.0037% | 3,986 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1465% | 3,049 |
| Assets per employee ($millions) | 5.2640% | 2,931 |
| Cash dividends to net income (ytd only)* | 78.5024% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,203 |
| Loan loss allowance to noncurrent loans | 1,501.7857% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 2,921 |
| Noncurrent loans to loans | 0.0734% | 4,079 |
| Net loans and leases to total assets | 84.3733% | 245 |
| Net loans and leases to deposits | 98.6091% | 591 |
| Net loans and leases to core deposits | 98.9503% | 1,244 |
| Total domestic deposits to total assets | 85.5634% | 2,232 |
| Equity capital to assets | 10.9758% | 2,411 |
| Core capital (leverage) ratio | 10.7726% | 2,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,804,500 | 4,150 |
| Average earning assets | $83,190,500 | 4,111 |
| Average equity | $9,555,000 | 4,258 |
| Average total loans | $71,951,000 | 3,709 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 1,392 |
| Cost of funding earning assets | 0.6385% | 2,766 |
| Net interest margin | 4.0662% | 1,184 |
| Noninterest income to average assets | 0.3118% | 3,595 |
| Noninterest expense to average assets | 2.7372% | 2,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0924% | 1,996 |
| Return on assets (ROA) | 1.1141% | 2,038 |
| Pretax return on assets | 1.4419% | 1,608 |
| Return on Equity (ROE) | 10.2683% | 1,901 |
| Retained earnings to average equity (ytd only) | 2.8734% | 3,440 |
| Net charge-offs to loans | -0.0057% | 4,048 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9304% | 2,526 |
| Assets per employee ($millions) | 5.2061% | 2,926 |
| Cash dividends to net income (ytd only)* | 72.0165% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 2,881 |
| Loan loss allowance to noncurrent loans | 613.5338% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 2,696 |
| Noncurrent loans to loans | 0.1840% | 3,719 |
| Net loans and leases to total assets | 80.7297% | 515 |
| Net loans and leases to deposits | 97.2003% | 712 |
| Net loans and leases to core deposits | 103.1338% | 1,053 |
| Total domestic deposits to total assets | 83.0550% | 3,072 |
| Equity capital to assets | 10.9882% | 2,351 |
| Core capital (leverage) ratio | 10.4867% | 2,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,243,333 | 4,159 |
| Average earning assets | $82,387,000 | 4,136 |
| Average equity | $9,466,000 | 4,285 |
| Average total loans | $70,486,333 | 3,746 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1464% | 726 |
| Cost of funding earning assets | 0.8206% | 2,278 |
| Net interest margin | 4.3259% | 725 |
| Noninterest income to average assets | 0.2832% | 3,829 |
| Noninterest expense to average assets | 2.8470% | 2,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1786% | 1,585 |
| Return on assets (ROA) | 1.1786% | 1,708 |
| Pretax return on assets | 1.5919% | 1,074 |
| Return on Equity (ROE) | 9.3845% | 1,964 |
| Retained earnings to average equity (ytd only) | 0.2438% | 3,936 |
| Net charge-offs to loans | -0.0159% | 4,243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1379% | 3,215 |
| Assets per employee ($millions) | 4.6645% | 3,045 |
| Cash dividends to net income (ytd only)* | 97.4026% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 3,043 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 4,055 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 95.0866% | 3 |
| Net loans and leases to deposits | 126.4560% | 51 |
| Net loans and leases to core deposits | 171.7162% | 63 |
| Total domestic deposits to total assets | 75.1934% | 4,566 |
| Equity capital to assets | 12.7931% | 1,551 |
| Core capital (leverage) ratio | 12.1051% | 1,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,265,500 | 4,679 |
| Average earning assets | $50,209,500 | 4,637 |
| Average equity | $6,564,000 | 4,655 |
| Average total loans | $50,247,500 | 4,149 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1090% | 1,196 |
| Cost of funding earning assets | 1.0277% | 1,609 |
| Net interest margin | 4.0813% | 1,590 |
| Noninterest income to average assets | 0.2105% | 4,407 |
| Noninterest expense to average assets | 2.5226% | 3,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1644% | 2,200 |
| Return on assets (ROA) | 1.1644% | 2,295 |
| Pretax return on assets | 1.5725% | 1,579 |
| Return on Equity (ROE) | 9.8147% | 2,382 |
| Retained earnings to average equity (ytd only) | 5.1036% | 2,367 |
| Net charge-offs to loans | 0.0395% | 2,596 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 42.2000% | 1,264 |
| Efficiency ratio | 61.6015% | 3,436 |
| Assets per employee ($millions) | 4.8384% | 2,789 |
| Cash dividends to net income (ytd only)* | 48.0000% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 3,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 3,945 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 95.0603% | 4 |
| Net loans and leases to deposits | 128.4380% | 49 |
| Net loans and leases to core deposits | 178.8623% | 57 |
| Total domestic deposits to total assets | 74.0126% | 4,771 |
| Equity capital to assets | 12.3332% | 1,934 |
| Core capital (leverage) ratio | 12.1506% | 1,681 |
| Tier 1 risk-based capital ratio | 15.8799% | 2,446 |
| Total risk-based capital ratio | 17.1290% | 2,390 |
| Memoranda: | ||
| Average total assets | $53,673,800 | 4,687 |
| Average earning assets | $51,086,800 | 4,653 |
| Average equity | $6,368,000 | 4,714 |
| Average total loans | $50,573,600 | 4,167 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0836% | 1,321 |
| Cost of funding earning assets | 1.0731% | 1,458 |
| Net interest margin | 4.0105% | 1,903 |
| Noninterest income to average assets | 0.1983% | 4,531 |
| Noninterest expense to average assets | 2.4095% | 3,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1849% | 2,251 |
| Return on assets (ROA) | 1.1849% | 2,330 |
| Pretax return on assets | 1.5964% | 1,651 |
| Return on Equity (ROE) | 10.0858% | 2,395 |
| Retained earnings to average equity (ytd only) | 3.7558% | 3,516 |
| Net charge-offs to loans | 0.0212% | 2,689 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 80.4733% | 856 |
| Efficiency ratio | 60.1485% | 3,616 |
| Assets per employee ($millions) | 5.2478% | 2,290 |
| Cash dividends to net income (ytd only)* | 62.7613% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 2,866 |
| Loan loss allowance to noncurrent loans | 2,704.7619% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.2134% | 3,718 |
| Noncurrent loans to loans | 0.0418% | 4,466 |
| Net loans and leases to total assets | 94.5939% | 5 |
| Net loans and leases to deposits | 118.7300% | 103 |
| Net loans and leases to core deposits | 169.8289% | 71 |
| Total domestic deposits to total assets | 79.6715% | 4,056 |
| Equity capital to assets | 12.2299% | 2,095 |
| Core capital (leverage) ratio | 11.9308% | 1,900 |
| Tier 1 risk-based capital ratio | 15.7763% | 2,527 |
| Total risk-based capital ratio | 17.0282% | 2,467 |
| Memoranda: | ||
| Average total assets | $53,786,750 | 4,755 |
| Average earning assets | $51,065,250 | 4,724 |
| Average equity | $6,319,000 | 4,782 |
| Average total loans | $50,429,750 | 4,217 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0048% | 1,472 |
| Cost of funding earning assets | 1.0736% | 1,401 |
| Net interest margin | 3.9312% | 2,149 |
| Noninterest income to average assets | 0.1807% | 4,667 |
| Noninterest expense to average assets | 2.3938% | 3,749 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1139% | 2,469 |
| Return on assets (ROA) | 1.1139% | 2,543 |
| Pretax return on assets | 1.5012% | 1,857 |
| Return on Equity (ROE) | 9.6087% | 2,583 |
| Retained earnings to average equity (ytd only) | 4.8361% | 2,845 |
| Net charge-offs to loans | 0.0356% | 2,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 45.2222% | 1,173 |
| Efficiency ratio | 61.4583% | 3,512 |
| Assets per employee ($millions) | 6.1804% | 1,415 |
| Cash dividends to net income (ytd only)* | 49.6689% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 2,902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 3,634 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 89.2133% | 72 |
| Net loans and leases to deposits | 121.6275% | 73 |
| Net loans and leases to core deposits | 163.3820% | 86 |
| Total domestic deposits to total assets | 73.3496% | 4,875 |
| Equity capital to assets | 11.4932% | 2,610 |
| Core capital (leverage) ratio | 11.8816% | 1,897 |
| Tier 1 risk-based capital ratio | 15.7115% | 2,545 |
| Total risk-based capital ratio | 16.9659% | 2,478 |
| Memoranda: | ||
| Average total assets | $54,223,000 | 4,782 |
| Average earning assets | $51,231,000 | 4,759 |
| Average equity | $6,286,000 | 4,813 |
| Average total loans | $50,503,330 | 4,246 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9311% | 1,518 |
| Cost of funding earning assets | 1.0836% | 1,239 |
| Net interest margin | 3.8475% | 2,353 |
| Noninterest income to average assets | 0.1868% | 4,634 |
| Noninterest expense to average assets | 2.4588% | 3,608 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0388% | 2,700 |
| Return on assets (ROA) | 1.0388% | 2,742 |
| Pretax return on assets | 1.3901% | 2,117 |
| Return on Equity (ROE) | 8.9210% | 2,843 |
| Retained earnings to average equity (ytd only) | -0.7060% | 4,616 |
| Net charge-offs to loans | -0.0158% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8835% | 3,256 |
| Assets per employee ($millions) | 5.9761% | 1,566 |
| Cash dividends to net income (ytd only)* | 107.9137% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 2,860 |
| Loan loss allowance to noncurrent loans | 5,254.5455% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.4462% | 2,811 |
| Noncurrent loans to loans | 0.0219% | 4,683 |
| Net loans and leases to total assets | 92.4607% | 16 |
| Net loans and leases to deposits | 128.2131% | 48 |
| Net loans and leases to core deposits | 167.4411% | 70 |
| Total domestic deposits to total assets | 72.1149% | 5,037 |
| Equity capital to assets | 11.5776% | 2,326 |
| Core capital (leverage) ratio | 11.6727% | 2,003 |
| Tier 1 risk-based capital ratio | 15.4113% | 2,696 |
| Total risk-based capital ratio | 16.6617% | 2,608 |
| Memoranda: | ||
| Average total assets | $53,522,500 | 4,846 |
| Average earning assets | $50,942,000 | 4,809 |
| Average equity | $6,232,500 | 4,856 |
| Average total loans | $50,659,500 | 4,289 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8341% | 1,460 |
| Cost of funding earning assets | 0.8980% | 1,100 |
| Net interest margin | 3.9361% | 2,203 |
| Noninterest income to average assets | 0.2445% | 4,456 |
| Noninterest expense to average assets | 2.3352% | 4,029 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2119% | 2,116 |
| Return on assets (ROA) | 1.2119% | 2,111 |
| Pretax return on assets | 1.6371% | 1,353 |
| Return on Equity (ROE) | 11.3667% | 1,950 |
| Retained earnings to average equity (ytd only) | 6.3813% | 1,984 |
| Net charge-offs to loans | -0.0114% | 4,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7868% | 4,041 |
| Assets per employee ($millions) | 5.3260% | 2,124 |
| Cash dividends to net income (ytd only)* | 43.8596% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 2,932 |
| Loan loss allowance to noncurrent loans | 225.0000% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.4807% | 2,650 |
| Noncurrent loans to loans | 0.5019% | 2,768 |
| Net loans and leases to total assets | 94.6958% | 5 |
| Net loans and leases to deposits | 122.3052% | 80 |
| Net loans and leases to core deposits | 172.8232% | 63 |
| Total domestic deposits to total assets | 77.4258% | 4,573 |
| Equity capital to assets | 11.7124% | 2,090 |
| Core capital (leverage) ratio | 11.4146% | 2,166 |
| Tier 1 risk-based capital ratio | 15.2761% | 2,709 |
| Total risk-based capital ratio | 16.5279% | 2,639 |
| Memoranda: | ||
| Average total assets | $56,439,600 | 4,824 |
| Average earning assets | $53,453,400 | 4,794 |
| Average equity | $6,017,600 | 4,896 |
| Average total loans | $52,646,000 | 4,251 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7799% | 1,474 |
| Cost of funding earning assets | 0.8509% | 1,115 |
| Net interest margin | 3.9290% | 2,203 |
| Noninterest income to average assets | 0.2306% | 4,588 |
| Noninterest expense to average assets | 2.2899% | 4,123 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2230% | 2,147 |
| Return on assets (ROA) | 1.2230% | 2,146 |
| Pretax return on assets | 1.6516% | 1,412 |
| Return on Equity (ROE) | 11.7397% | 1,888 |
| Retained earnings to average equity (ytd only) | 5.0313% | 3,221 |
| Net charge-offs to loans | -0.0126% | 4,462 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0969% | 4,109 |
| Assets per employee ($millions) | 5.7845% | 1,658 |
| Cash dividends to net income (ytd only)* | 57.1431% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 3,228 |
| Loan loss allowance to noncurrent loans | 202.4648% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.4910% | 2,735 |
| Noncurrent loans to loans | 0.5403% | 2,762 |
| Net loans and leases to total assets | 89.8833% | 75 |
| Net loans and leases to deposits | 119.2199% | 109 |
| Net loans and leases to core deposits | 176.8891% | 55 |
| Total domestic deposits to total assets | 75.3929% | 4,848 |
| Equity capital to assets | 10.5057% | 3,136 |
| Core capital (leverage) ratio | 10.7147% | 2,870 |
| Tier 1 risk-based capital ratio | 14.0580% | 3,345 |
| Total risk-based capital ratio | 15.3097% | 3,247 |
| Memoranda: | ||
| Average total assets | $57,234,500 | 4,862 |
| Average earning assets | $54,058,000 | 4,838 |
| Average equity | $5,962,500 | 4,956 |
| Average total loans | $53,054,750 | 4,290 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7221% | 1,452 |
| Cost of funding earning assets | 0.7932% | 1,152 |
| Net interest margin | 3.9290% | 2,111 |
| Noninterest income to average assets | 0.1859% | 4,897 |
| Noninterest expense to average assets | 2.2830% | 4,182 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2169% | 2,118 |
| Return on assets (ROA) | 1.2169% | 2,114 |
| Pretax return on assets | 1.6377% | 1,384 |
| Return on Equity (ROE) | 11.7144% | 1,837 |
| Retained earnings to average equity (ytd only) | 6.6505% | 2,230 |
| Net charge-offs to loans | -0.0113% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2290% | 4,194 |
| Assets per employee ($millions) | 5.7289% | 1,698 |
| Cash dividends to net income (ytd only)* | 43.2277% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 3,405 |
| Loan loss allowance to noncurrent loans | 1,364.2857% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 4,643 |
| Noncurrent loans to loans | 0.0789% | 4,557 |
| Net loans and leases to total assets | 91.9531% | 26 |
| Net loans and leases to deposits | 131.1989% | 40 |
| Net loans and leases to core deposits | 170.0255% | 61 |
| Total domestic deposits to total assets | 70.0868% | 5,276 |
| Equity capital to assets | 10.5587% | 3,063 |
| Core capital (leverage) ratio | 10.5739% | 2,950 |
| Tier 1 risk-based capital ratio | 13.8938% | 3,408 |
| Total risk-based capital ratio | 15.1460% | 3,324 |
| Memoranda: | ||
| Average total assets | $57,031,000 | 4,919 |
| Average earning assets | $54,212,670 | 4,890 |
| Average equity | $5,924,330 | 5,013 |
| Average total loans | $53,217,000 | 4,323 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6119% | 1,534 |
| Cost of funding earning assets | 0.7552% | 1,165 |
| Net interest margin | 3.8567% | 2,207 |
| Noninterest income to average assets | 0.1828% | 4,932 |
| Noninterest expense to average assets | 2.3198% | 4,144 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1529% | 2,203 |
| Return on assets (ROA) | 1.1529% | 2,215 |
| Pretax return on assets | 1.5606% | 1,494 |
| Return on Equity (ROE) | 11.1907% | 1,887 |
| Retained earnings to average equity (ytd only) | 0.9553% | 4,640 |
| Net charge-offs to loans | -0.0075% | 4,146 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7826% | 4,092 |
| Assets per employee ($millions) | 5.6964% | 1,763 |
| Cash dividends to net income (ytd only)* | 91.4634% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 3,444 |
| 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 | 90.8381% | 46 |
| Net loans and leases to deposits | 114.2829% | 173 |
| Net loans and leases to core deposits | 161.5113% | 81 |
| Total domestic deposits to total assets | 79.4853% | 4,495 |
| Equity capital to assets | 10.3012% | 3,283 |
| Core capital (leverage) ratio | 10.3018% | 3,188 |
| Tier 1 risk-based capital ratio | 13.8541% | 3,462 |
| Total risk-based capital ratio | 15.1084% | 3,374 |
| Memoranda: | ||
| Average total assets | $56,902,000 | 4,981 |
| Average earning assets | $54,554,500 | 4,943 |
| Average equity | $5,862,000 | 5,076 |
| Average total loans | $53,199,500 | 4,370 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7100% | 1,172 |
| Cost of funding earning assets | 0.6072% | 1,548 |
| Net interest margin | 4.1027% | 1,422 |
| Noninterest income to average assets | 0.2418% | 4,686 |
| Noninterest expense to average assets | 2.3998% | 4,083 |
| Loan and lease loss provision to assets | 0.1008% | 2,209 |
| Net operating income to assets | 1.2292% | 1,428 |
| Return on assets (ROA) | 1.2292% | 1,445 |
| Pretax return on assets | 1.6524% | 1,147 |
| Return on Equity (ROE) | 12.0019% | 1,212 |
| Retained earnings to average equity (ytd only) | 6.6359% | 1,214 |
| Net charge-offs to loans | -0.0117% | 4,823 |
| Credit loss provision to net charge-offs | -916.6667% | 5,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7856% | 4,548 |
| Assets per employee ($millions) | 5.1673% | 2,292 |
| Cash dividends to net income (ytd only)* | 44.7094% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 3,600 |
| Loan loss allowance to noncurrent loans | 1,140.0000% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 4,684 |
| Noncurrent loans to loans | 0.0925% | 4,578 |
| Net loans and leases to total assets | 94.1467% | 7 |
| Net loans and leases to deposits | 125.5732% | 69 |
| Net loans and leases to core deposits | 182.2898% | 53 |
| Total domestic deposits to total assets | 74.9736% | 5,097 |
| Equity capital to assets | 10.3026% | 3,385 |
| Core capital (leverage) ratio | 10.3818% | 2,982 |
| Tier 1 risk-based capital ratio | 11.8140% | 4,652 |
| Total risk-based capital ratio | 12.9649% | 4,588 |
| Memoranda: | ||
| Average total assets | $54,587,800 | 5,065 |
| Average earning assets | $52,038,600 | 5,030 |
| Average equity | $5,590,800 | 5,167 |
| Average total loans | $51,426,000 | 4,423 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6852% | 1,171 |
| Cost of funding earning assets | 0.5837% | 1,654 |
| Net interest margin | 4.1015% | 1,383 |
| Noninterest income to average assets | 0.2394% | 4,772 |
| Noninterest expense to average assets | 2.4161% | 3,979 |
| Loan and lease loss provision to assets | 0.0987% | 2,138 |
| Net operating income to assets | 0.9970% | 2,567 |
| Return on assets (ROA) | 0.9970% | 2,621 |
| Pretax return on assets | 1.6264% | 1,324 |
| Return on Equity (ROE) | 9.7502% | 2,232 |
| Retained earnings to average equity (ytd only) | 2.5099% | 4,389 |
| Net charge-offs to loans | -0.0105% | 4,648 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3433% | 4,457 |
| Assets per employee ($millions) | 5.6196% | 1,813 |
| Cash dividends to net income (ytd only)* | 74.2579% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 3,817 |
| 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 | 93.1810% | 16 |
| Net loans and leases to deposits | 131.6075% | 38 |
| Net loans and leases to core deposits | 166.8334% | 76 |
| Total domestic deposits to total assets | 70.8022% | 5,449 |
| Equity capital to assets | 9.9473% | 3,965 |
| Core capital (leverage) ratio | 9.9487% | 3,632 |
| Tier 1 risk-based capital ratio | 10.9456% | 5,275 |
| Total risk-based capital ratio | 12.0296% | 5,266 |
| Memoranda: | ||
| Average total assets | $54,024,750 | 5,135 |
| Average earning assets | $51,394,500 | 5,097 |
| Average equity | $5,524,500 | 5,236 |
| Average total loans | $50,761,750 | 4,483 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6349% | 1,189 |
| Cost of funding earning assets | 0.5286% | 1,935 |
| Net interest margin | 4.1063% | 1,309 |
| Noninterest income to average assets | 0.2101% | 4,995 |
| Noninterest expense to average assets | 2.5478% | 3,588 |
| Loan and lease loss provision to assets | 0.0938% | 2,111 |
| Net operating income to assets | 0.9043% | 2,893 |
| Return on assets (ROA) | 0.9043% | 2,942 |
| Pretax return on assets | 1.4746% | 1,740 |
| Return on Equity (ROE) | 8.7594% | 2,628 |
| Retained earnings to average equity (ytd only) | 3.3075% | 3,747 |
| Net charge-offs to loans | -0.0080% | 4,465 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8961% | 4,004 |
| Assets per employee ($millions) | 5.5534% | 1,827 |
| Cash dividends to net income (ytd only)* | 62.2407% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 4,016 |
| Loan loss allowance to noncurrent loans | 1,072.0000% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 4,832 |
| Noncurrent loans to loans | 0.0953% | 4,745 |
| Net loans and leases to total assets | 93.4635% | 13 |
| Net loans and leases to deposits | 133.8802% | 36 |
| Net loans and leases to core deposits | 157.5666% | 96 |
| Total domestic deposits to total assets | 69.8113% | 5,541 |
| Equity capital to assets | 10.0425% | 3,863 |
| Core capital (leverage) ratio | 10.1791% | 3,303 |
| Tier 1 risk-based capital ratio | 11.1775% | 5,161 |
| Total risk-based capital ratio | 12.2530% | 5,149 |
| Memoranda: | ||
| Average total assets | $53,301,000 | 5,186 |
| Average earning assets | $50,702,670 | 5,146 |
| Average equity | $5,502,670 | 5,274 |
| Average total loans | $50,043,330 | 4,529 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6039% | 1,137 |
| Cost of funding earning assets | 0.4855% | 2,206 |
| Net interest margin | 4.1185% | 1,176 |
| Noninterest income to average assets | 0.1840% | 5,176 |
| Noninterest expense to average assets | 2.6368% | 3,354 |
| Loan and lease loss provision to assets | 0.0767% | 2,280 |
| Net operating income to assets | 0.8585% | 2,955 |
| Return on assets (ROA) | 0.8585% | 3,003 |
| Pretax return on assets | 1.3721% | 1,978 |
| Return on Equity (ROE) | 8.1969% | 2,813 |
| Retained earnings to average equity (ytd only) | -2.7811% | 5,244 |
| Net charge-offs to loans | -0.0082% | 4,347 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5403% | 3,744 |
| Assets per employee ($millions) | 4.9024% | 2,572 |
| Cash dividends to net income (ytd only)* | 133.9286% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 4,009 |
| 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 | 91.4512% | 30 |
| Net loans and leases to deposits | 127.7054% | 43 |
| Net loans and leases to core deposits | 150.4546% | 104 |
| Total domestic deposits to total assets | 71.6111% | 5,563 |
| Equity capital to assets | 10.1027% | 3,618 |
| Core capital (leverage) ratio | 10.3115% | 3,095 |
| Tier 1 risk-based capital ratio | 11.4527% | 5,063 |
| Total risk-based capital ratio | 12.5429% | 5,053 |
| Memoranda: | ||
| Average total assets | $52,184,500 | 5,264 |
| Average earning assets | $49,436,000 | 5,221 |
| Average equity | $5,465,500 | 5,329 |
| Average total loans | $48,845,000 | 4,594 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7139% | 1,043 |
| Cost of funding earning assets | 0.4599% | 2,445 |
| Net interest margin | 4.2540% | 1,006 |
| Noninterest income to average assets | 0.6881% | 2,228 |
| Noninterest expense to average assets | 2.4729% | 4,097 |
| Loan and lease loss provision to assets | 0.3084% | 610 |
| Net operating income to assets | 1.2023% | 1,507 |
| Return on assets (ROA) | 1.2394% | 1,467 |
| Pretax return on assets | 2.0296% | 462 |
| Return on Equity (ROE) | 11.8814% | 1,275 |
| Retained earnings to average equity (ytd only) | 2.9565% | 3,793 |
| Net charge-offs to loans | 0.3870% | 695 |
| Credit loss provision to net charge-offs | 85.1064% | 2,894 |
| Earnings coverage of net charge-offs (x) | 6.2926% | 3,200 |
| Efficiency ratio | 52.0276% | 5,383 |
| Assets per employee ($millions) | 4.5857% | 2,991 |
| Cash dividends to net income (ytd only)* | 75.1166% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 4,019 |
| Loan loss allowance to noncurrent loans | 619.7531% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 4,677 |
| Noncurrent loans to loans | 0.1693% | 4,557 |
| Net loans and leases to total assets | 93.8723% | 11 |
| Net loans and leases to deposits | 112.4590% | 180 |
| Net loans and leases to core deposits | 140.6272% | 169 |
| Total domestic deposits to total assets | 83.4724% | 3,604 |
| Equity capital to assets | 10.8697% | 2,742 |
| Core capital (leverage) ratio | 10.3130% | 3,091 |
| Tier 1 risk-based capital ratio | 12.0535% | 4,692 |
| Total risk-based capital ratio | 13.1577% | 4,677 |
| Memoranda: | ||
| Average total assets | $51,882,000 | 5,309 |
| Average earning assets | $49,576,400 | 5,255 |
| Average equity | $5,411,800 | 5,390 |
| Average total loans | $48,580,000 | 4,613 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6825% | 1,102 |
| Cost of funding earning assets | 0.4546% | 2,513 |
| Net interest margin | 4.2279% | 1,062 |
| Noninterest income to average assets | 0.7963% | 1,778 |
| Noninterest expense to average assets | 2.4373% | 4,171 |
| Loan and lease loss provision to assets | 0.3701% | 418 |
| Net operating income to assets | 1.3207% | 1,230 |
| Return on assets (ROA) | 1.3705% | 1,193 |
| Pretax return on assets | 2.1004% | 466 |
| Return on Equity (ROE) | 13.2736% | 976 |
| Retained earnings to average equity (ytd only) | 1.3348% | 4,980 |
| Net charge-offs to loans | 0.4320% | 495 |
| Credit loss provision to net charge-offs | 91.7722% | 2,504 |
| Earnings coverage of net charge-offs (x) | 5.9368% | 3,061 |
| Efficiency ratio | 50.4490% | 5,472 |
| Assets per employee ($millions) | 4.7323% | 2,696 |
| Cash dividends to net income (ytd only)* | 89.9439% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 4,111 |
| Loan loss allowance to noncurrent loans | 1,036.0000% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 5,056 |
| Noncurrent loans to loans | 0.1015% | 4,932 |
| Net loans and leases to total assets | 93.6394% | 13 |
| Net loans and leases to deposits | 128.8263% | 47 |
| Net loans and leases to core deposits | 154.2873% | 109 |
| Total domestic deposits to total assets | 72.6866% | 5,546 |
| Equity capital to assets | 10.3410% | 3,758 |
| Core capital (leverage) ratio | 10.2532% | 3,277 |
| Tier 1 risk-based capital ratio | 11.4557% | 5,115 |
| Total risk-based capital ratio | 12.5600% | 5,103 |
| Memoranda: | ||
| Average total assets | $52,241,750 | 5,354 |
| Average earning assets | $49,857,750 | 5,303 |
| Average equity | $5,394,000 | 5,445 |
| Average total loans | $48,761,500 | 4,652 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6972% | 1,056 |
| Cost of funding earning assets | 0.4814% | 2,257 |
| Net interest margin | 4.2158% | 1,085 |
| Noninterest income to average assets | 0.9980% | 1,123 |
| Noninterest expense to average assets | 2.4625% | 4,142 |
| Loan and lease loss provision to assets | 0.4971% | 265 |
| Net operating income to assets | 1.2611% | 1,391 |
| Return on assets (ROA) | 1.3345% | 1,280 |
| Pretax return on assets | 2.1719% | 401 |
| Return on Equity (ROE) | 12.9315% | 1,047 |
| Retained earnings to average equity (ytd only) | 7.3736% | 1,443 |
| Net charge-offs to loans | 0.6503% | 314 |
| Credit loss provision to net charge-offs | 82.2785% | 2,342 |
| Earnings coverage of net charge-offs (x) | 4.2278% | 3,007 |
| Efficiency ratio | 49.0854% | 5,615 |
| Assets per employee ($millions) | 4.7841% | 2,583 |
| Cash dividends to net income (ytd only)* | 42.9799% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 4,290 |
| Loan loss allowance to noncurrent loans | 389.1473% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 4,514 |
| Noncurrent loans to loans | 0.2671% | 4,405 |
| Net loans and leases to total assets | 90.8219% | 45 |
| Net loans and leases to deposits | 118.3337% | 116 |
| Net loans and leases to core deposits | 127.8283% | 335 |
| Total domestic deposits to total assets | 76.7506% | 5,188 |
| Equity capital to assets | 10.5026% | 3,628 |
| Core capital (leverage) ratio | 10.5837% | 2,869 |
| Tier 1 risk-based capital ratio | 11.8948% | 4,897 |
| Total risk-based capital ratio | 12.9769% | 4,906 |
| Memoranda: | ||
| Average total assets | $52,304,000 | 5,412 |
| Average earning assets | $49,859,670 | 5,355 |
| Average equity | $5,397,670 | 5,500 |
| Average total loans | $48,594,670 | 4,693 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5979% | 1,268 |
| Cost of funding earning assets | 0.4806% | 2,271 |
| Net interest margin | 4.1173% | 1,291 |
| Noninterest income to average assets | 0.2762% | 4,747 |
| Noninterest expense to average assets | 2.4854% | 4,111 |
| Loan and lease loss provision to assets | 0.2301% | 801 |
| Net operating income to assets | 0.9343% | 2,585 |
| Return on assets (ROA) | 1.0816% | 2,081 |
| Pretax return on assets | 1.7337% | 979 |
| Return on Equity (ROE) | 10.5757% | 1,755 |
| Retained earnings to average equity (ytd only) | -0.6750% | 5,233 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9091% | 4,885 |
| Assets per employee ($millions) | 4.7802% | 2,626 |
| Cash dividends to net income (ytd only)* | 106.3830% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 3,885 |
| Loan loss allowance to noncurrent loans | 163.2653% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.6523% | 3,103 |
| Noncurrent loans to loans | 0.6920% | 3,114 |
| Net loans and leases to total assets | 93.2011% | 16 |
| Net loans and leases to deposits | 121.1485% | 90 |
| Net loans and leases to core deposits | 121.1485% | 434 |
| Total domestic deposits to total assets | 76.9313% | 5,295 |
| Equity capital to assets | 10.1118% | 3,932 |
| Core capital (leverage) ratio | 9.8499% | 3,719 |
| Tier 1 risk-based capital ratio | 10.9799% | 5,513 |
| Total risk-based capital ratio | 12.1381% | 5,465 |
| Memoranda: | ||
| Average total assets | $52,143,500 | 5,469 |
| Average earning assets | $49,936,000 | 5,405 |
| Average equity | $5,333,000 | 5,544 |
| Average total loans | $48,743,500 | 4,714 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7415% | 1,023 |
| Cost of funding earning assets | 0.4865% | 2,298 |
| Net interest margin | 4.2550% | 1,057 |
| Noninterest income to average assets | 0.3248% | 4,572 |
| Noninterest expense to average assets | 2.5705% | 4,022 |
| Loan and lease loss provision to assets | 0.1291% | 1,867 |
| Net operating income to assets | 1.0305% | 2,210 |
| Return on assets (ROA) | 1.0691% | 2,122 |
| Pretax return on assets | 1.7488% | 896 |
| Return on Equity (ROE) | 9.5754% | 2,192 |
| Retained earnings to average equity (ytd only) | 4.7588% | 2,606 |
| Net charge-offs to loans | -0.0047% | 4,965 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5784% | 5,080 |
| Assets per employee ($millions) | 4.7005% | 2,732 |
| Cash dividends to net income (ytd only)* | 50.3018% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 4,018 |
| Loan loss allowance to noncurrent loans | 154.5190% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 3,051 |
| Noncurrent loans to loans | 0.7158% | 3,037 |
| Net loans and leases to total assets | 91.6546% | 26 |
| Net loans and leases to deposits | 126.3127% | 62 |
| Net loans and leases to core deposits | 126.3127% | 327 |
| Total domestic deposits to total assets | 72.5616% | 5,760 |
| Equity capital to assets | 10.3452% | 3,569 |
| Core capital (leverage) ratio | 10.4163% | 3,039 |
| Tier 1 risk-based capital ratio | 11.1271% | 5,457 |
| Total risk-based capital ratio | 12.2359% | 5,432 |
| Memoranda: | ||
| Average total assets | $46,488,800 | 5,622 |
| Average earning assets | $44,394,800 | 5,570 |
| Average equity | $5,190,400 | 5,612 |
| Average total loans | $42,328,200 | 4,921 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7393% | 1,029 |
| Cost of funding earning assets | 0.4984% | 2,226 |
| Net interest margin | 4.2409% | 1,077 |
| Noninterest income to average assets | 0.3393% | 4,512 |
| Noninterest expense to average assets | 2.5878% | 3,922 |
| Loan and lease loss provision to assets | 0.1180% | 1,928 |
| Net operating income to assets | 1.0265% | 2,348 |
| Return on assets (ROA) | 1.0416% | 2,357 |
| Pretax return on assets | 1.6996% | 1,105 |
| Return on Equity (ROE) | 9.1375% | 2,498 |
| Retained earnings to average equity (ytd only) | 2.6662% | 4,517 |
| Net charge-offs to loans | -0.0065% | 4,879 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0572% | 5,002 |
| Assets per employee ($millions) | 4.7297% | 2,655 |
| Cash dividends to net income (ytd only)* | 70.8233% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 3,751 |
| Loan loss allowance to noncurrent loans | 439.6552% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 4,778 |
| Noncurrent loans to loans | 0.2691% | 4,617 |
| Net loans and leases to total assets | 90.0670% | 64 |
| Net loans and leases to deposits | 108.3586% | 295 |
| Net loans and leases to core deposits | 111.1868% | 804 |
| Total domestic deposits to total assets | 83.1194% | 3,770 |
| Equity capital to assets | 11.0070% | 3,018 |
| Core capital (leverage) ratio | 10.8750% | 2,615 |
| Tier 1 risk-based capital ratio | 12.0534% | 5,046 |
| Total risk-based capital ratio | 13.2413% | 5,006 |
| Memoranda: | ||
| Average total assets | $45,184,750 | 5,727 |
| Average earning assets | $43,071,500 | 5,676 |
| Average equity | $5,150,750 | 5,691 |
| Average total loans | $40,930,250 | 5,026 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6896% | 1,090 |
| Cost of funding earning assets | 0.5048% | 2,208 |
| Net interest margin | 4.1848% | 1,132 |
| Noninterest income to average assets | 0.3462% | 4,480 |
| Noninterest expense to average assets | 2.6259% | 3,830 |
| Loan and lease loss provision to assets | 0.1124% | 1,957 |
| Net operating income to assets | 0.9752% | 2,518 |
| Return on assets (ROA) | 0.9982% | 2,509 |
| Pretax return on assets | 1.6322% | 1,248 |
| Return on Equity (ROE) | 8.6510% | 2,721 |
| Retained earnings to average equity (ytd only) | 3.7800% | 3,602 |
| Net charge-offs to loans | -0.0099% | 4,922 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5809% | 4,897 |
| Assets per employee ($millions) | 4.6379% | 2,767 |
| Cash dividends to net income (ytd only)* | 56.3063% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 3,940 |
| Loan loss allowance to noncurrent loans | 423.0769% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.2523% | 4,862 |
| Noncurrent loans to loans | 0.2777% | 4,679 |
| Net loans and leases to total assets | 89.7842% | 73 |
| Net loans and leases to deposits | 116.5925% | 141 |
| Net loans and leases to core deposits | 137.5244% | 183 |
| Total domestic deposits to total assets | 77.0068% | 5,454 |
| Equity capital to assets | 11.2098% | 2,662 |
| Core capital (leverage) ratio | 11.4604% | 2,024 |
| Tier 1 risk-based capital ratio | 12.7218% | 4,667 |
| Total risk-based capital ratio | 13.9398% | 4,615 |
| Memoranda: | ||
| Average total assets | $44,480,670 | 5,806 |
| Average earning assets | $42,391,330 | 5,757 |
| Average equity | $5,132,330 | 5,744 |
| Average total loans | $40,204,000 | 5,096 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6446% | 1,134 |
| Cost of funding earning assets | 0.5011% | 2,268 |
| Net interest margin | 4.1435% | 1,175 |
| Noninterest income to average assets | 0.4043% | 3,972 |
| Noninterest expense to average assets | 2.6739% | 3,680 |
| Loan and lease loss provision to assets | 0.0919% | 2,164 |
| Net operating income to assets | 1.0016% | 2,266 |
| Return on assets (ROA) | 1.0016% | 2,398 |
| Pretax return on assets | 1.5897% | 1,292 |
| Return on Equity (ROE) | 8.5507% | 2,676 |
| Retained earnings to average equity (ytd only) | -1.2551% | 5,583 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3924% | 4,902 |
| Assets per employee ($millions) | 4.3872% | 3,219 |
| Cash dividends to net income (ytd only)* | 114.6789% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 3,960 |
| Loan loss allowance to noncurrent loans | 408.5470% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2667% | 4,876 |
| Noncurrent loans to loans | 0.2946% | 4,730 |
| Net loans and leases to total assets | 89.4306% | 69 |
| Net loans and leases to deposits | 109.4910% | 228 |
| Net loans and leases to core deposits | 128.1017% | 267 |
| Total domestic deposits to total assets | 81.6785% | 4,616 |
| Equity capital to assets | 11.6111% | 2,367 |
| Core capital (leverage) ratio | 11.5904% | 1,939 |
| Tier 1 risk-based capital ratio | 13.4095% | 4,370 |
| Total risk-based capital ratio | 14.6770% | 4,276 |
| Memoranda: | ||
| Average total assets | $43,531,500 | 5,879 |
| Average earning assets | $41,511,000 | 5,826 |
| Average equity | $5,099,000 | 5,812 |
| Average total loans | $39,238,000 | 5,165 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9667% | 828 |
| Cost of funding earning assets | 0.5892% | 1,863 |
| Net interest margin | 4.3775% | 917 |
| Noninterest income to average assets | 0.4201% | 4,036 |
| Noninterest expense to average assets | 2.4615% | 4,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2913% | 1,324 |
| Return on assets (ROA) | 1.2913% | 1,377 |
| Pretax return on assets | 2.1031% | 411 |
| Return on Equity (ROE) | 11.1175% | 1,688 |
| Retained earnings to average equity (ytd only) | 7.0302% | 1,395 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9262% | 5,848 |
| Assets per employee ($millions) | 4.3191% | 3,328 |
| Cash dividends to net income (ytd only)* | 36.7647% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 3,953 |
| 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 | 88.6643% | 94 |
| Net loans and leases to deposits | 108.6013% | 281 |
| Net loans and leases to core deposits | 125.0408% | 302 |
| Total domestic deposits to total assets | 81.6420% | 4,554 |
| Equity capital to assets | 11.8173% | 2,160 |
| Core capital (leverage) ratio | 11.3131% | 2,120 |
| Tier 1 risk-based capital ratio | 13.6481% | 4,324 |
| Total risk-based capital ratio | 14.8157% | 4,307 |
| Memoranda: | ||
| Average total assets | $42,128,000 | 5,984 |
| Average earning assets | $39,885,400 | 5,921 |
| Average equity | $4,893,200 | 5,882 |
| Average total loans | $37,274,600 | 5,284 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8996% | 930 |
| Cost of funding earning assets | 0.5994% | 1,835 |
| Net interest margin | 4.3002% | 1,050 |
| Noninterest income to average assets | 0.4300% | 4,023 |
| Noninterest expense to average assets | 2.4492% | 4,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2613% | 1,495 |
| Return on assets (ROA) | 1.2613% | 1,548 |
| Pretax return on assets | 2.0480% | 515 |
| Return on Equity (ROE) | 10.9078% | 1,821 |
| Retained earnings to average equity (ytd only) | 5.3988% | 2,828 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4618% | 5,778 |
| Assets per employee ($millions) | 4.8252% | 2,487 |
| Cash dividends to net income (ytd only)* | 50.5047% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 4,210 |
| 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 | 88.5808% | 92 |
| Net loans and leases to deposits | 108.4644% | 254 |
| Net loans and leases to core deposits | 121.6341% | 359 |
| Total domestic deposits to total assets | 81.6681% | 4,604 |
| Equity capital to assets | 11.3984% | 2,587 |
| Core capital (leverage) ratio | 11.6702% | 1,925 |
| Tier 1 risk-based capital ratio | 12.9405% | 4,902 |
| Total risk-based capital ratio | 14.0811% | 4,876 |
| Memoranda: | ||
| Average total assets | $41,862,250 | 6,056 |
| Average earning assets | $39,594,250 | 6,001 |
| Average equity | $4,840,500 | 5,958 |
| Average total loans | $36,902,500 | 5,348 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9068% | 899 |
| Cost of funding earning assets | 0.6313% | 1,638 |
| Net interest margin | 4.2755% | 1,077 |
| Noninterest income to average assets | 0.4499% | 3,875 |
| Noninterest expense to average assets | 2.4480% | 4,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2385% | 1,480 |
| Return on assets (ROA) | 1.2385% | 1,541 |
| Pretax return on assets | 2.0319% | 524 |
| Return on Equity (ROE) | 10.6578% | 1,863 |
| Retained earnings to average equity (ytd only) | 6.4946% | 2,041 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6436% | 5,857 |
| Assets per employee ($millions) | 4.7111% | 2,591 |
| Cash dividends to net income (ytd only)* | 39.0625% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 4,141 |
| 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 | 86.9906% | 129 |
| Net loans and leases to deposits | 103.9659% | 362 |
| Net loans and leases to core deposits | 107.7723% | 780 |
| Total domestic deposits to total assets | 83.6722% | 4,045 |
| Equity capital to assets | 11.5943% | 2,334 |
| Core capital (leverage) ratio | 11.9164% | 1,709 |
| Tier 1 risk-based capital ratio | 13.5091% | 4,571 |
| Total risk-based capital ratio | 14.7073% | 4,553 |
| Memoranda: | ||
| Average total assets | $41,340,670 | 6,131 |
| Average earning assets | $38,966,330 | 6,076 |
| Average equity | $4,804,000 | 6,009 |
| Average total loans | $36,224,670 | 5,411 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8654% | 919 |
| Cost of funding earning assets | 0.6494% | 1,583 |
| Net interest margin | 4.2160% | 1,169 |
| Noninterest income to average assets | 0.4509% | 3,785 |
| Noninterest expense to average assets | 2.5483% | 4,459 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1762% | 1,548 |
| Return on assets (ROA) | 1.1762% | 1,615 |
| Pretax return on assets | 1.9112% | 637 |
| Return on Equity (ROE) | 10.1095% | 1,991 |
| Retained earnings to average equity (ytd only) | 1.6849% | 4,941 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1429% | 5,739 |
| Assets per employee ($millions) | 4.5704% | 2,853 |
| Cash dividends to net income (ytd only)* | 83.3333% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 3,950 |
| Loan loss allowance to noncurrent loans | 1,141.4634% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 5,949 |
| Noncurrent loans to loans | 0.1166% | 5,775 |
| Net loans and leases to total assets | 84.3609% | 217 |
| Net loans and leases to deposits | 99.3131% | 474 |
| Net loans and leases to core deposits | 103.0070% | 923 |
| Total domestic deposits to total assets | 84.9443% | 3,898 |
| Equity capital to assets | 11.5768% | 2,182 |
| Core capital (leverage) ratio | 11.3998% | 2,051 |
| Tier 1 risk-based capital ratio | 13.7075% | 4,535 |
| Total risk-based capital ratio | 14.9604% | 4,490 |
| Memoranda: | ||
| Average total assets | $40,811,000 | 6,211 |
| Average earning assets | $38,805,000 | 6,135 |
| Average equity | $4,748,000 | 6,061 |
| Average total loans | $35,661,000 | 5,475 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2089% | 627 |
| Cost of funding earning assets | 0.7603% | 1,437 |
| Net interest margin | 4.4487% | 826 |
| Noninterest income to average assets | 0.5907% | 3,145 |
| Noninterest expense to average assets | 2.8027% | 3,711 |
| Loan and lease loss provision to assets | 0.0639% | 3,853 |
| Net operating income to assets | 1.1916% | 1,603 |
| Return on assets (ROA) | 1.1916% | 1,671 |
| Pretax return on assets | 1.9588% | 529 |
| Return on Equity (ROE) | 10.1818% | 2,036 |
| Retained earnings to average equity (ytd only) | 5.8119% | 2,090 |
| Net charge-offs to loans | 0.1531% | 3,274 |
| Credit loss provision to net charge-offs | 46.2963% | 3,910 |
| Earnings coverage of net charge-offs (x) | 14.6481% | 1,926 |
| Efficiency ratio | 58.0816% | 5,727 |
| Assets per employee ($millions) | 4.4987% | 2,902 |
| Cash dividends to net income (ytd only)* | 42.9185% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 4,171 |
| Loan loss allowance to noncurrent loans | 1,114.2857% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 6,018 |
| Noncurrent loans to loans | 0.1162% | 5,859 |
| Net loans and leases to total assets | 88.1372% | 83 |
| Net loans and leases to deposits | 105.4303% | 282 |
| Net loans and leases to core deposits | 109.4766% | 632 |
| Total domestic deposits to total assets | 83.5976% | 4,323 |
| Equity capital to assets | 11.6924% | 2,038 |
| Core capital (leverage) ratio | 11.1977% | 2,200 |
| Tier 1 risk-based capital ratio | 13.4997% | 4,654 |
| Total risk-based capital ratio | 14.7532% | 4,595 |
| Memoranda: | ||
| Average total assets | $39,105,600 | 6,310 |
| Average earning assets | $37,224,400 | 6,246 |
| Average equity | $4,576,800 | 6,179 |
| Average total loans | $35,262,000 | 5,522 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2239% | 614 |
| Cost of funding earning assets | 0.7731% | 1,468 |
| Net interest margin | 4.4508% | 804 |
| Noninterest income to average assets | 0.6398% | 2,930 |
| Noninterest expense to average assets | 2.8551% | 3,464 |
| Loan and lease loss provision to assets | 0.0860% | 3,341 |
| Net operating income to assets | 1.1833% | 1,688 |
| Return on assets (ROA) | 1.1833% | 1,759 |
| Pretax return on assets | 1.9367% | 668 |
| Return on Equity (ROE) | 10.1082% | 2,138 |
| Retained earnings to average equity (ytd only) | 4.2314% | 3,668 |
| Net charge-offs to loans | 0.1674% | 2,882 |
| Credit loss provision to net charge-offs | 56.8182% | 3,359 |
| Earnings coverage of net charge-offs (x) | 13.3625% | 2,035 |
| Efficiency ratio | 58.5331% | 5,621 |
| Assets per employee ($millions) | 4.5682% | 2,772 |
| Cash dividends to net income (ytd only)* | 58.1389% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 4,265 |
| Loan loss allowance to noncurrent loans | 341.4286% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 5,383 |
| Noncurrent loans to loans | 0.3884% | 5,225 |
| Net loans and leases to total assets | 86.5058% | 130 |
| Net loans and leases to deposits | 101.5243% | 407 |
| Net loans and leases to core deposits | 102.2570% | 979 |
| Total domestic deposits to total assets | 85.2070% | 3,629 |
| Equity capital to assets | 11.2176% | 2,545 |
| Core capital (leverage) ratio | 11.2613% | 2,238 |
| Tier 1 risk-based capital ratio | 13.5186% | 4,744 |
| Total risk-based capital ratio | 14.7980% | 4,683 |
| Memoranda: | ||
| Average total assets | $38,760,000 | 6,393 |
| Average earning assets | $36,906,250 | 6,332 |
| Average equity | $4,537,500 | 6,273 |
| Average total loans | $35,039,250 | 5,585 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2525% | 578 |
| Cost of funding earning assets | 0.7810% | 1,519 |
| Net interest margin | 4.4715% | 751 |
| Noninterest income to average assets | 0.7163% | 2,564 |
| Noninterest expense to average assets | 2.9598% | 3,128 |
| Loan and lease loss provision to assets | 0.1317% | 2,671 |
| Net operating income to assets | 1.1692% | 1,672 |
| Return on assets (ROA) | 1.1692% | 1,780 |
| Pretax return on assets | 1.9065% | 746 |
| Return on Equity (ROE) | 9.8390% | 2,261 |
| Retained earnings to average equity (ytd only) | 5.4070% | 2,806 |
| Net charge-offs to loans | 0.2536% | 2,205 |
| Credit loss provision to net charge-offs | 56.8182% | 3,075 |
| Earnings coverage of net charge-offs (x) | 8.7955% | 2,366 |
| Efficiency ratio | 59.2202% | 5,577 |
| Assets per employee ($millions) | 3.7871% | 4,241 |
| Cash dividends to net income (ytd only)* | 45.0450% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3878% | 4,096 |
| Loan loss allowance to noncurrent loans | 3,983.3333% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 6,431 |
| Noncurrent loans to loans | 0.0348% | 6,300 |
| Net loans and leases to total assets | 89.6834% | 49 |
| Net loans and leases to deposits | 107.0272% | 197 |
| Net loans and leases to core deposits | 109.7950% | 570 |
| Total domestic deposits to total assets | 83.7950% | 4,413 |
| Equity capital to assets | 12.1016% | 1,850 |
| Core capital (leverage) ratio | 11.9949% | 1,615 |
| Tier 1 risk-based capital ratio | 14.6258% | 4,015 |
| Total risk-based capital ratio | 15.9087% | 3,954 |
| Memoranda: | ||
| Average total assets | $37,975,330 | 6,457 |
| Average earning assets | $36,363,330 | 6,387 |
| Average equity | $4,512,670 | 6,329 |
| Average total loans | $34,704,330 | 5,629 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1702% | 643 |
| Cost of funding earning assets | 0.8123% | 1,462 |
| Net interest margin | 4.3579% | 869 |
| Noninterest income to average assets | 0.7363% | 2,396 |
| Noninterest expense to average assets | 2.8716% | 3,459 |
| Loan and lease loss provision to assets | 0.1578% | 2,293 |
| Net operating income to assets | 1.1465% | 1,690 |
| Return on assets (ROA) | 1.1465% | 1,800 |
| Pretax return on assets | 1.8828% | 759 |
| Return on Equity (ROE) | 9.7376% | 2,169 |
| Retained earnings to average equity (ytd only) | 0.8040% | 5,516 |
| Net charge-offs to loans | -0.0344% | 5,960 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4582% | 5,789 |
| Assets per employee ($millions) | 3.7541% | 4,443 |
| Cash dividends to net income (ytd only)* | 91.7431% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4688% | 3,935 |
| Loan loss allowance to noncurrent loans | 872.8814% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 6,100 |
| Noncurrent loans to loans | 0.1683% | 5,980 |
| Net loans and leases to total assets | 92.0247% | 18 |
| Net loans and leases to deposits | 109.4784% | 134 |
| Net loans and leases to core deposits | 112.3261% | 430 |
| Total domestic deposits to total assets | 84.0574% | 4,451 |
| Equity capital to assets | 11.9416% | 2,078 |
| Core capital (leverage) ratio | 11.5186% | 1,869 |
| Tier 1 risk-based capital ratio | 13.9610% | 4,535 |
| Total risk-based capital ratio | 15.2441% | 4,473 |
| Memoranda: | ||
| Average total assets | $38,027,500 | 6,519 |
| Average earning assets | $36,439,500 | 6,449 |
| Average equity | $4,477,500 | 6,397 |
| Average total loans | $34,835,500 | 5,670 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5989% | 512 |
| Cost of funding earning assets | 1.0810% | 979 |
| Net interest margin | 4.5179% | 912 |
| Noninterest income to average assets | 0.6771% | 2,845 |
| Noninterest expense to average assets | 2.7483% | 4,224 |
| Loan and lease loss provision to assets | 0.2257% | 2,873 |
| Net operating income to assets | 1.2002% | 1,603 |
| Return on assets (ROA) | 1.2002% | 1,770 |
| Pretax return on assets | 1.9756% | 630 |
| Return on Equity (ROE) | 10.4833% | 1,977 |
| Retained earnings to average equity (ytd only) | 5.8447% | 2,165 |
| Net charge-offs to loans | -0.0270% | 6,601 |
| Credit loss provision to net charge-offs | -944.4444% | 6,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5258% | 6,118 |
| Assets per employee ($millions) | 3.8514% | 4,269 |
| Cash dividends to net income (ytd only)* | 44.2478% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 3,990 |
| 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 | 88.5704% | 76 |
| Net loans and leases to deposits | 114.2245% | 111 |
| Net loans and leases to core deposits | 114.2245% | 411 |
| Total domestic deposits to total assets | 77.5406% | 6,156 |
| Equity capital to assets | 11.6114% | 2,335 |
| Core capital (leverage) ratio | 11.7700% | 1,689 |
| Tier 1 risk-based capital ratio | 13.8089% | 4,529 |
| Total risk-based capital ratio | 15.0903% | 4,459 |
| Memoranda: | ||
| Average total assets | $37,660,200 | 6,565 |
| Average earning assets | $35,614,200 | 6,512 |
| Average equity | $4,311,600 | 6,490 |
| Average total loans | $33,359,000 | 5,782 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6370% | 526 |
| Cost of funding earning assets | 1.1486% | 873 |
| Net interest margin | 4.4885% | 1,013 |
| Noninterest income to average assets | 0.6729% | 2,865 |
| Noninterest expense to average assets | 2.7167% | 4,302 |
| Loan and lease loss provision to assets | 0.2492% | 2,570 |
| Net operating income to assets | 1.1750% | 1,813 |
| Return on assets (ROA) | 1.1750% | 2,006 |
| Pretax return on assets | 1.9369% | 801 |
| Return on Equity (ROE) | 10.3006% | 2,212 |
| Retained earnings to average equity (ytd only) | 4.0578% | 4,034 |
| Net charge-offs to loans | -0.0363% | 6,624 |
| Credit loss provision to net charge-offs | -777.7778% | 6,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4103% | 6,116 |
| Assets per employee ($millions) | 4.1418% | 3,593 |
| Cash dividends to net income (ytd only)* | 60.6059% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 4,266 |
| Loan loss allowance to noncurrent loans | 438.1818% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.3246% | 5,884 |
| Noncurrent loans to loans | 0.3251% | 5,825 |
| Net loans and leases to total assets | 89.4892% | 58 |
| Net loans and leases to deposits | 106.9852% | 217 |
| Net loans and leases to core deposits | 106.9852% | 688 |
| Total domestic deposits to total assets | 83.6463% | 4,374 |
| Equity capital to assets | 11.6724% | 2,565 |
| Core capital (leverage) ratio | 11.5251% | 1,967 |
| Tier 1 risk-based capital ratio | 13.9433% | 4,572 |
| Total risk-based capital ratio | 15.2284% | 4,489 |
| Memoranda: | ||
| Average total assets | $37,446,750 | 6,652 |
| Average earning assets | $35,289,500 | 6,602 |
| Average equity | $4,271,500 | 6,577 |
| Average total loans | $33,046,500 | 5,873 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6698% | 511 |
| Cost of funding earning assets | 1.2154% | 768 |
| Net interest margin | 4.4544% | 1,072 |
| Noninterest income to average assets | 0.6666% | 2,857 |
| Noninterest expense to average assets | 2.7464% | 4,232 |
| Loan and lease loss provision to assets | 0.2933% | 2,232 |
| Net operating income to assets | 1.1039% | 2,031 |
| Return on assets (ROA) | 1.1039% | 2,249 |
| Pretax return on assets | 1.8292% | 984 |
| Return on Equity (ROE) | 9.7527% | 2,466 |
| Retained earnings to average equity (ytd only) | 5.0412% | 3,260 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4074% | 6,073 |
| Assets per employee ($millions) | 4.1423% | 3,584 |
| Cash dividends to net income (ytd only)* | 48.3092% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 4,450 |
| Loan loss allowance to noncurrent loans | 279.8780% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.5177% | 5,463 |
| Noncurrent loans to loans | 0.5017% | 5,535 |
| Net loans and leases to total assets | 86.4435% | 121 |
| Net loans and leases to deposits | 104.5958% | 266 |
| Net loans and leases to core deposits | 104.5958% | 819 |
| Total domestic deposits to total assets | 82.6453% | 4,891 |
| Equity capital to assets | 11.5930% | 2,498 |
| Core capital (leverage) ratio | 11.4764% | 1,919 |
| Tier 1 risk-based capital ratio | 14.2448% | 4,271 |
| Total risk-based capital ratio | 15.5301% | 4,212 |
| Memoranda: | ||
| Average total assets | $37,503,670 | 6,697 |
| Average earning assets | $35,380,670 | 6,645 |
| Average equity | $4,245,000 | 6,618 |
| Average total loans | $32,782,000 | 5,917 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7760% | 445 |
| Cost of funding earning assets | 1.2385% | 812 |
| Net interest margin | 4.5375% | 948 |
| Noninterest income to average assets | 0.6593% | 2,873 |
| Noninterest expense to average assets | 2.7542% | 4,219 |
| Loan and lease loss provision to assets | 0.4254% | 1,473 |
| Net operating income to assets | 1.0634% | 2,235 |
| Return on assets (ROA) | 1.0634% | 2,429 |
| Pretax return on assets | 1.7653% | 1,164 |
| Return on Equity (ROE) | 9.5091% | 2,599 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,973 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6989% | 6,156 |
| Assets per employee ($millions) | 4.2713% | 3,452 |
| Cash dividends to net income (ytd only)* | 100.0000% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 4,827 |
| Loan loss allowance to noncurrent loans | 7,383.3333% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 6,655 |
| Noncurrent loans to loans | 0.0182% | 6,734 |
| Net loans and leases to total assets | 84.5638% | 173 |
| Net loans and leases to deposits | 101.2963% | 333 |
| Net loans and leases to core deposits | 102.5748% | 833 |
| Total domestic deposits to total assets | 83.4816% | 4,720 |
| Equity capital to assets | 10.9334% | 2,989 |
| Core capital (leverage) ratio | 11.2808% | 2,047 |
| Tier 1 risk-based capital ratio | 13.7366% | 4,656 |
| Total risk-based capital ratio | 15.0211% | 4,614 |
| Memoranda: | ||
| Average total assets | $37,615,000 | 6,745 |
| Average earning assets | $35,526,500 | 6,690 |
| Average equity | $4,206,500 | 6,665 |
| Average total loans | $32,830,000 | 5,961 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8954% | 525 |
| Cost of funding earning assets | 1.3563% | 1,215 |
| Net interest margin | 4.5391% | 1,047 |
| Noninterest income to average assets | 0.4884% | 3,937 |
| Noninterest expense to average assets | 3.1063% | 3,173 |
| Loan and lease loss provision to assets | 0.1014% | 5,320 |
| Net operating income to assets | 0.9314% | 2,480 |
| Return on assets (ROA) | 0.9314% | 2,597 |
| Pretax return on assets | 1.5318% | 1,388 |
| Return on Equity (ROE) | 8.5064% | 2,668 |
| Retained earnings to average equity (ytd only) | 3.6317% | 3,625 |
| Net charge-offs to loans | 0.5784% | 2,714 |
| Credit loss provision to net charge-offs | 19.1919% | 5,927 |
| Earnings coverage of net charge-offs (x) | 3.0909% | 3,660 |
| Efficiency ratio | 65.5405% | 4,857 |
| Assets per employee ($millions) | 4.0876% | 3,671 |
| Cash dividends to net income (ytd only)* | 57.3066% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 5,254 |
| Loan loss allowance to noncurrent loans | 4,030.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 6,694 |
| Noncurrent loans to loans | 0.0306% | 6,749 |
| Net loans and leases to total assets | 87.8167% | 83 |
| Net loans and leases to deposits | 106.2767% | 241 |
| Net loans and leases to core deposits | 107.6938% | 718 |
| Total domestic deposits to total assets | 82.6302% | 4,906 |
| Equity capital to assets | 11.4439% | 2,552 |
| Core capital (leverage) ratio | 11.3090% | 2,029 |
| Tier 1 risk-based capital ratio | 14.2760% | 4,128 |
| Total risk-based capital ratio | 15.5578% | 4,067 |
| Memoranda: | ||
| Average total assets | $37,472,200 | 6,754 |
| Average earning assets | $35,095,000 | 6,709 |
| Average equity | $4,102,800 | 6,725 |
| Average total loans | $34,229,800 | 5,945 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9221% | 539 |
| Cost of funding earning assets | 1.3492% | 1,458 |
| Net interest margin | 4.5729% | 1,001 |
| Noninterest income to average assets | 0.4002% | 4,666 |
| Noninterest expense to average assets | 3.1736% | 2,911 |
| Loan and lease loss provision to assets | 0.1346% | 4,749 |
| Net operating income to assets | 0.8394% | 2,987 |
| Return on assets (ROA) | 0.8394% | 3,141 |
| Pretax return on assets | 1.3778% | 2,015 |
| Return on Equity (ROE) | 7.7525% | 3,157 |
| Retained earnings to average equity (ytd only) | 1.2103% | 5,528 |
| Net charge-offs to loans | 0.6472% | 2,309 |
| Credit loss provision to net charge-offs | 22.6190% | 5,524 |
| Earnings coverage of net charge-offs (x) | 2.5417% | 3,860 |
| Efficiency ratio | 67.7249% | 4,368 |
| Assets per employee ($millions) | 3.3950% | 5,257 |
| Cash dividends to net income (ytd only)* | 84.3887% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 5,053 |
| Loan loss allowance to noncurrent loans | 239.2265% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.9265% | 4,900 |
| Noncurrent loans to loans | 0.5396% | 5,785 |
| Net loans and leases to total assets | 88.6544% | 63 |
| Net loans and leases to deposits | 106.5251% | 242 |
| Net loans and leases to core deposits | 109.7018% | 689 |
| Total domestic deposits to total assets | 83.2240% | 4,597 |
| Equity capital to assets | 10.9734% | 3,172 |
| Core capital (leverage) ratio | 10.8697% | 2,504 |
| Tier 1 risk-based capital ratio | 13.6020% | 4,647 |
| Total risk-based capital ratio | 14.8865% | 4,596 |
| Memoranda: | ||
| Average total assets | $37,643,250 | 6,810 |
| Average earning assets | $35,279,500 | 6,759 |
| Average equity | $4,076,000 | 6,782 |
| Average total loans | $34,610,000 | 5,987 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9532% | 520 |
| Cost of funding earning assets | 1.3399% | 1,699 |
| Net interest margin | 4.6133% | 887 |
| Noninterest income to average assets | 0.6147% | 3,042 |
| Noninterest expense to average assets | 3.4603% | 2,094 |
| Loan and lease loss provision to assets | 0.2014% | 3,910 |
| Net operating income to assets | 0.7843% | 3,140 |
| Return on assets (ROA) | 0.7843% | 3,267 |
| Pretax return on assets | 1.2771% | 2,218 |
| Return on Equity (ROE) | 7.2751% | 3,308 |
| Retained earnings to average equity (ytd only) | 2.3595% | 4,786 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0644% | 4,113 |
| Assets per employee ($millions) | 3.4073% | 5,180 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7361% | 3,202 |
| Loan loss allowance to noncurrent loans | 220.9559% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 1.1660% | 4,559 |
| Noncurrent loans to loans | 0.7857% | 5,342 |
| Net loans and leases to total assets | 90.7577% | 32 |
| Net loans and leases to deposits | 109.7680% | 182 |
| Net loans and leases to core deposits | 113.0513% | 616 |
| Total domestic deposits to total assets | 82.6814% | 4,912 |
| Equity capital to assets | 10.9658% | 2,996 |
| Core capital (leverage) ratio | 10.9111% | 2,329 |
| Tier 1 risk-based capital ratio | 13.6192% | 4,441 |
| Total risk-based capital ratio | 14.9082% | 4,389 |
| Memoranda: | ||
| Average total assets | $37,742,670 | 6,864 |
| Average earning assets | $35,375,670 | 6,824 |
| Average equity | $4,068,670 | 6,828 |
| Average total loans | $34,966,330 | 6,029 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9498% | 529 |
| Cost of funding earning assets | 1.3209% | 2,060 |
| Net interest margin | 4.6289% | 816 |
| Noninterest income to average assets | 0.7815% | 2,105 |
| Noninterest expense to average assets | 3.5380% | 1,910 |
| Loan and lease loss provision to assets | 0.3274% | 2,590 |
| Net operating income to assets | 0.7604% | 3,221 |
| Return on assets (ROA) | 0.7604% | 3,284 |
| Pretax return on assets | 1.2462% | 2,205 |
| Return on Equity (ROE) | 7.1146% | 3,321 |
| Retained earnings to average equity (ytd only) | -2.7668% | 6,257 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2149% | 4,432 |
| Assets per employee ($millions) | 3.0711% | 6,000 |
| Cash dividends to net income (ytd only)* | 138.8889% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7487% | 3,179 |
| Loan loss allowance to noncurrent loans | 225.0000% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 1.1641% | 4,612 |
| Noncurrent loans to loans | 0.7772% | 5,481 |
| Net loans and leases to total assets | 90.5598% | 34 |
| Net loans and leases to deposits | 110.6528% | 172 |
| Net loans and leases to core deposits | 114.0563% | 601 |
| Total domestic deposits to total assets | 81.8414% | 5,371 |
| Equity capital to assets | 10.9462% | 2,741 |
| Core capital (leverage) ratio | 10.5743% | 2,534 |
| Tier 1 risk-based capital ratio | 14.0842% | 4,018 |
| Total risk-based capital ratio | 15.3760% | 3,957 |
| Memoranda: | ||
| Average total assets | $37,874,000 | 6,908 |
| Average earning assets | $35,429,500 | 6,865 |
| Average equity | $4,048,000 | 6,874 |
| Average total loans | $35,141,000 | 6,073 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4279% | 359 |
| Cost of funding earning assets | 1.5675% | 2,260 |
| Net interest margin | 4.8604% | 586 |
| Noninterest income to average assets | 0.8540% | 2,037 |
| Noninterest expense to average assets | 3.3133% | 2,694 |
| Loan and lease loss provision to assets | 0.3937% | 3,754 |
| Net operating income to assets | 1.0148% | 1,982 |
| Return on assets (ROA) | 1.0148% | 2,095 |
| Pretax return on assets | 1.6691% | 1,001 |
| Return on Equity (ROE) | 9.2893% | 2,178 |
| Retained earnings to average equity (ytd only) | 4.2132% | 2,895 |
| Net charge-offs to loans | 0.5107% | 3,572 |
| Credit loss provision to net charge-offs | 83.0409% | 5,439 |
| Earnings coverage of net charge-offs (x) | 4.3509% | 2,956 |
| Efficiency ratio | 61.6297% | 5,788 |
| Assets per employee ($millions) | 2.9919% | 6,114 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5504% | 3,776 |
| Loan loss allowance to noncurrent loans | 238.5593% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 1.0310% | 4,938 |
| Noncurrent loans to loans | 0.6499% | 5,759 |
| Net loans and leases to total assets | 91.9167% | 29 |
| Net loans and leases to deposits | 121.6641% | 107 |
| Net loans and leases to core deposits | 125.5082% | 396 |
| Total domestic deposits to total assets | 75.5496% | 6,694 |
| Equity capital to assets | 10.4435% | 3,224 |
| Core capital (leverage) ratio | 10.4422% | 2,616 |
| Tier 1 risk-based capital ratio | 13.0737% | 4,544 |
| Total risk-based capital ratio | 14.3611% | 4,474 |
| Memoranda: | ||
| Average total assets | $36,066,800 | 7,006 |
| Average earning assets | $33,556,600 | 6,963 |
| Average equity | $3,940,000 | 7,018 |
| Average total loans | $33,485,200 | 6,233 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4262% | 388 |
| Cost of funding earning assets | 1.6279% | 2,233 |
| Net interest margin | 4.7984% | 679 |
| Noninterest income to average assets | 0.8748% | 1,890 |
| Noninterest expense to average assets | 3.3710% | 2,372 |
| Loan and lease loss provision to assets | 0.3846% | 3,581 |
| Net operating income to assets | 0.9615% | 2,366 |
| Return on assets (ROA) | 0.9615% | 2,493 |
| Pretax return on assets | 1.5761% | 1,404 |
| Return on Equity (ROE) | 8.6965% | 2,605 |
| Retained earnings to average equity (ytd only) | 1.8757% | 5,020 |
| Net charge-offs to loans | 0.6183% | 2,894 |
| Credit loss provision to net charge-offs | 67.1053% | 5,506 |
| Earnings coverage of net charge-offs (x) | 3.4211% | 3,459 |
| Efficiency ratio | 63.2249% | 5,399 |
| Assets per employee ($millions) | 2.8406% | 6,509 |
| Cash dividends to net income (ytd only)* | 78.4317% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5465% | 3,747 |
| Loan loss allowance to noncurrent loans | 131.2349% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 1.5598% | 4,106 |
| Noncurrent loans to loans | 1.1784% | 4,891 |
| Net loans and leases to total assets | 93.4413% | 14 |
| Net loans and leases to deposits | 126.4373% | 86 |
| Net loans and leases to core deposits | 132.7613% | 340 |
| Total domestic deposits to total assets | 73.9033% | 6,924 |
| Equity capital to assets | 10.6992% | 3,288 |
| Core capital (leverage) ratio | 10.5902% | 2,603 |
| Tier 1 risk-based capital ratio | 12.7398% | 4,782 |
| Total risk-based capital ratio | 14.0199% | 4,734 |
| Memoranda: | ||
| Average total assets | $35,359,750 | 7,114 |
| Average earning assets | $32,843,750 | 7,073 |
| Average equity | $3,909,500 | 7,112 |
| Average total loans | $32,778,000 | 6,349 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3147% | 500 |
| Cost of funding earning assets | 1.6827% | 2,205 |
| Net interest margin | 4.6321% | 929 |
| Noninterest income to average assets | 0.8095% | 2,072 |
| Noninterest expense to average assets | 3.4216% | 2,211 |
| Loan and lease loss provision to assets | 0.3789% | 3,441 |
| Net operating income to assets | 0.7865% | 3,036 |
| Return on assets (ROA) | 0.7865% | 3,182 |
| Pretax return on assets | 1.2917% | 2,116 |
| Return on Equity (ROE) | 7.0334% | 3,282 |
| Retained earnings to average equity (ytd only) | 1.8995% | 4,920 |
| Net charge-offs to loans | 0.9431% | 1,951 |
| Credit loss provision to net charge-offs | 43.7086% | 5,546 |
| Earnings coverage of net charge-offs (x) | 1.9272% | 4,074 |
| Efficiency ratio | 67.1928% | 4,727 |
| Assets per employee ($millions) | 2.7412% | 6,708 |
| Cash dividends to net income (ytd only)* | 72.9927% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5298% | 3,773 |
| Loan loss allowance to noncurrent loans | 91.6817% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 2.0092% | 3,492 |
| Noncurrent loans to loans | 1.6686% | 4,192 |
| Net loans and leases to total assets | 91.5759% | 35 |
| Net loans and leases to deposits | 119.2763% | 131 |
| Net loans and leases to core deposits | 125.2264% | 536 |
| Total domestic deposits to total assets | 76.7763% | 6,553 |
| Equity capital to assets | 11.0366% | 2,824 |
| Core capital (leverage) ratio | 11.2391% | 2,077 |
| Tier 1 risk-based capital ratio | 12.6765% | 4,710 |
| Total risk-based capital ratio | 13.9528% | 4,655 |
| Memoranda: | ||
| Average total assets | $34,837,000 | 7,184 |
| Average earning assets | $32,210,330 | 7,145 |
| Average equity | $3,895,670 | 7,151 |
| Average total loans | $32,021,330 | 6,435 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1482% | 709 |
| Cost of funding earning assets | 1.7190% | 2,295 |
| Net interest margin | 4.4292% | 1,298 |
| Noninterest income to average assets | 0.8944% | 1,649 |
| Noninterest expense to average assets | 3.4149% | 2,193 |
| Loan and lease loss provision to assets | 0.4181% | 2,866 |
| Net operating income to assets | 0.7085% | 3,403 |
| Return on assets (ROA) | 0.7085% | 3,509 |
| Pretax return on assets | 1.1615% | 2,504 |
| Return on Equity (ROE) | 6.2935% | 3,725 |
| Retained earnings to average equity (ytd only) | -4.0237% | 6,498 |
| Net charge-offs to loans | 1.3095% | 1,306 |
| Credit loss provision to net charge-offs | 34.9515% | 4,740 |
| Earnings coverage of net charge-offs (x) | 1.3204% | 3,955 |
| Efficiency ratio | 68.3721% | 4,647 |
| Assets per employee ($millions) | 2.6755% | 6,908 |
| Cash dividends to net income (ytd only)* | 163.9344% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6792% | 3,142 |
| Loan loss allowance to noncurrent loans | 65.3798% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 2.7773% | 2,619 |
| Noncurrent loans to loans | 2.5684% | 3,102 |
| Net loans and leases to total assets | 88.3762% | 113 |
| Net loans and leases to deposits | 106.2787% | 408 |
| Net loans and leases to core deposits | 111.2805% | 1,201 |
| Total domestic deposits to total assets | 83.1551% | 4,543 |
| Equity capital to assets | 11.0919% | 2,678 |
| Core capital (leverage) ratio | 11.2314% | 2,070 |
| Tier 1 risk-based capital ratio | 13.1363% | 4,244 |
| Total risk-based capital ratio | 14.4166% | 4,187 |
| Memoranda: | ||
| Average total assets | $34,437,500 | 7,284 |
| Average earning assets | $31,879,500 | 7,256 |
| Average equity | $3,877,000 | 7,224 |
| Average total loans | $31,461,500 | 6,546 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7126% | 451 |
| Cost of funding earning assets | 2.0021% | 2,956 |
| Net interest margin | 4.7105% | 819 |
| Noninterest income to average assets | 0.7753% | 2,537 |
| Noninterest expense to average assets | 3.2412% | 3,226 |
| Loan and lease loss provision to assets | 0.4059% | 4,380 |
| Net operating income to assets | 0.9209% | 2,100 |
| Return on assets (ROA) | 0.9209% | 2,170 |
| Pretax return on assets | 1.5142% | 1,155 |
| Return on Equity (ROE) | 8.8166% | 2,085 |
| Retained earnings to average equity (ytd only) | 8.8166% | 525 |
| Net charge-offs to loans | 0.1543% | 5,724 |
| Credit loss provision to net charge-offs | 278.8462% | 1,228 |
| Earnings coverage of net charge-offs (x) | 13.1923% | 1,446 |
| Efficiency ratio | 62.7983% | 5,996 |
| Assets per employee ($millions) | 2.6225% | 6,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8699% | 2,342 |
| Loan loss allowance to noncurrent loans | 103.4965% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 2.1559% | 3,190 |
| Noncurrent loans to loans | 1.8068% | 3,920 |
| Net loans and leases to total assets | 91.1243% | 58 |
| Net loans and leases to deposits | 111.6594% | 325 |
| Net loans and leases to core deposits | 133.5354% | 1,086 |
| Total domestic deposits to total assets | 81.6091% | 5,106 |
| Equity capital to assets | 11.4276% | 2,369 |
| Core capital (leverage) ratio | 10.9907% | 2,230 |
| Tier 1 risk-based capital ratio | 13.3920% | 3,890 |
| Total risk-based capital ratio | 14.6501% | 3,827 |
| Memoranda: | ||
| Average total assets | $35,727,400 | 7,255 |
| Average earning assets | $33,265,800 | 7,220 |
| Average equity | $3,731,600 | 7,376 |
| Average total loans | $33,704,600 | 6,416 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7433% | 467 |
| Cost of funding earning assets | 2.0333% | 3,201 |
| Net interest margin | 4.7100% | 817 |
| Noninterest income to average assets | 0.7933% | 2,468 |
| Noninterest expense to average assets | 3.3318% | 2,798 |
| Loan and lease loss provision to assets | 0.3321% | 4,349 |
| Net operating income to assets | 0.9335% | 2,296 |
| Return on assets (ROA) | 0.9335% | 2,362 |
| Pretax return on assets | 1.5312% | 1,326 |
| Return on Equity (ROE) | 9.1402% | 2,216 |
| Retained earnings to average equity (ytd only) | 9.1402% | 807 |
| Net charge-offs to loans | 0.2026% | 4,780 |
| Credit loss provision to net charge-offs | 173.0769% | 2,676 |
| Earnings coverage of net charge-offs (x) | 9.7118% | 2,070 |
| Efficiency ratio | 64.1335% | 5,725 |
| Assets per employee ($millions) | 2.6803% | 6,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 2,876 |
| Loan loss allowance to noncurrent loans | 93.8811% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 2.1094% | 3,201 |
| Noncurrent loans to loans | 1.7366% | 4,027 |
| Net loans and leases to total assets | 92.9887% | 36 |
| Net loans and leases to deposits | 119.4859% | 215 |
| Net loans and leases to core deposits | 142.6289% | 815 |
| Total domestic deposits to total assets | 77.8240% | 6,136 |
| Equity capital to assets | 10.9632% | 3,047 |
| Core capital (leverage) ratio | 10.5127% | 2,783 |
| Tier 1 risk-based capital ratio | 12.4828% | 4,552 |
| Total risk-based capital ratio | 13.7703% | 4,479 |
| Memoranda: | ||
| Average total assets | $36,136,000 | 7,304 |
| Average earning assets | $33,771,000 | 7,259 |
| Average equity | $3,690,500 | 7,449 |
| Average total loans | $34,216,000 | 6,437 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6834% | 558 |
| Cost of funding earning assets | 2.0933% | 3,302 |
| Net interest margin | 4.5901% | 977 |
| Noninterest income to average assets | 0.8368% | 2,236 |
| Noninterest expense to average assets | 3.3965% | 2,646 |
| Loan and lease loss provision to assets | 0.2461% | 4,614 |
| Net operating income to assets | 0.9025% | 2,448 |
| Return on assets (ROA) | 0.9025% | 2,547 |
| Pretax return on assets | 1.4877% | 1,482 |
| Return on Equity (ROE) | 9.0477% | 2,344 |
| Retained earnings to average equity (ytd only) | 9.0477% | 922 |
| Net charge-offs to loans | 0.3002% | 3,687 |
| Credit loss provision to net charge-offs | 86.5385% | 5,014 |
| Earnings coverage of net charge-offs (x) | 6.0962% | 2,686 |
| Efficiency ratio | 66.2047% | 5,517 |
| Assets per employee ($millions) | 2.8613% | 6,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 3,791 |
| Loan loss allowance to noncurrent loans | 151.3846% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 1.3119% | 4,322 |
| Noncurrent loans to loans | 0.9170% | 5,382 |
| Net loans and leases to total assets | 93.9592% | 25 |
| Net loans and leases to deposits | 132.5118% | 102 |
| Net loans and leases to core deposits | 158.3813% | 479 |
| Total domestic deposits to total assets | 70.9063% | 7,380 |
| Equity capital to assets | 10.0331% | 3,895 |
| Core capital (leverage) ratio | 10.2054% | 3,089 |
| Tier 1 risk-based capital ratio | 11.3756% | 5,527 |
| Total risk-based capital ratio | 12.6558% | 5,404 |
| Memoranda: | ||
| Average total assets | $36,566,670 | 7,360 |
| Average earning assets | $34,204,330 | 7,307 |
| Average equity | $3,647,330 | 7,525 |
| Average total loans | $34,642,000 | 6,475 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7748% | 506 |
| Cost of funding earning assets | 2.2937% | 2,728 |
| Net interest margin | 4.4810% | 1,170 |
| Noninterest income to average assets | 0.8938% | 1,882 |
| Noninterest expense to average assets | 3.4426% | 2,251 |
| Loan and lease loss provision to assets | 0.2538% | 3,936 |
| Net operating income to assets | 0.8386% | 2,957 |
| Return on assets (ROA) | 0.8386% | 3,106 |
| Pretax return on assets | 1.3793% | 2,029 |
| Return on Equity (ROE) | 8.4327% | 2,951 |
| Retained earnings to average equity (ytd only) | 8.4327% | 1,652 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8261% | 4,996 |
| Assets per employee ($millions) | 2.7944% | 6,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5084% | 2,938 |
| Loan loss allowance to noncurrent loans | 161.1111% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.8919% | 4,961 |
| Noncurrent loans to loans | 0.9362% | 5,125 |
| Net loans and leases to total assets | 93.8283% | 30 |
| Net loans and leases to deposits | 123.3980% | 222 |
| Net loans and leases to core deposits | 144.7715% | 905 |
| Total domestic deposits to total assets | 76.0371% | 6,506 |
| Equity capital to assets | 10.0284% | 3,972 |
| Core capital (leverage) ratio | 10.0000% | 3,414 |
| Tier 1 risk-based capital ratio | 11.3723% | 5,532 |
| Total risk-based capital ratio | 12.6272% | 5,428 |
| Memoranda: | ||
| Average total assets | $36,251,500 | 7,408 |
| Average earning assets | $33,831,500 | 7,363 |
| Average equity | $3,605,000 | 7,589 |
| Average total loans | $34,242,000 | 6,533 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2420% | 672 |
| Cost of funding earning assets | 2.9065% | 2,242 |
| Net interest margin | 4.3355% | 1,870 |
| Noninterest income to average assets | 0.6805% | 3,244 |
| Noninterest expense to average assets | 3.0771% | 3,795 |
| Loan and lease loss provision to assets | 0.4884% | 2,863 |
| Net operating income to assets | 0.7099% | 3,848 |
| Return on assets (ROA) | 0.7099% | 3,680 |
| Pretax return on assets | 1.1716% | 2,760 |
| Return on Equity (ROE) | 7.7407% | 3,178 |
| Retained earnings to average equity (ytd only) | 7.7407% | 920 |
| Net charge-offs to loans | 0.0029% | 6,973 |
| Credit loss provision to net charge-offs | 18,300.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 622.0000% | 89 |
| Efficiency ratio | 64.9577% | 5,335 |
| Assets per employee ($millions) | 2.7828% | 6,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 2,815 |
| Loan loss allowance to noncurrent loans | 154.0123% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.8956% | 4,611 |
| Noncurrent loans to loans | 0.9564% | 4,691 |
| Net loans and leases to total assets | 92.2656% | 74 |
| Net loans and leases to deposits | 121.5292% | 355 |
| Net loans and leases to core deposits | 137.8459% | 1,380 |
| Total domestic deposits to total assets | 75.9205% | 6,262 |
| Equity capital to assets | 9.8601% | 4,209 |
| Core capital (leverage) ratio | 9.6785% | 3,794 |
| Tier 1 risk-based capital ratio | 11.0849% | 5,658 |
| Total risk-based capital ratio | 12.3372% | 5,533 |
| Memoranda: | ||
| Average total assets | $37,470,800 | 7,329 |
| Average earning assets | $35,059,200 | 7,280 |
| Average equity | $3,436,400 | 7,705 |
| Average total loans | $35,078,600 | 6,423 |