Home > Bank of Hazelton > Performance and Condition Ratios
Bank of Hazelton, 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 | 4.8930% | 2,292 |
| Cost of funding earning assets | 1.1348% | 2,973 |
| Net interest margin | 3.7582% | 1,632 |
| Noninterest income to average assets | 0.0400% | 4,460 |
| Noninterest expense to average assets | 2.0322% | 3,549 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5759% | 899 |
| Return on assets (ROA) | 1.5759% | 867 |
| Pretax return on assets | 1.5759% | 1,280 |
| Return on Equity (ROE) | 16.8800% | 968 |
| Retained earnings to average equity (ytd only) | 9.8858% | 1,046 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.3224% | 3,467 |
| Assets per employee ($millions) | 7.7150% | 1,579 |
| Cash dividends to net income (ytd only)* | 41.4365% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 2,324 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 44.1800% | 3,892 |
| Net loans and leases to deposits | 48.9709% | 3,972 |
| Net loans and leases to core deposits | 50.8495% | 4,068 |
| Total domestic deposits to total assets | 90.2100% | 707 |
| Equity capital to assets | 9.4119% | 2,412 |
| Core capital (leverage) ratio | 10.8642% | 2,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $57,426,200 | 4,244 |
| Average earning assets | $54,547,400 | 4,203 |
| Average equity | $5,361,200 | 4,226 |
| Average total loans | $24,801,400 | 4,218 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7353% | 2,401 |
| Cost of funding earning assets | 1.0211% | 2,977 |
| Net interest margin | 3.7142% | 1,750 |
| Noninterest income to average assets | 0.0200% | 4,512 |
| Noninterest expense to average assets | 1.9898% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5426% | 1,039 |
| Return on assets (ROA) | 1.5426% | 1,026 |
| Pretax return on assets | 1.5426% | 1,478 |
| Return on Equity (ROE) | 16.5600% | 1,158 |
| Retained earnings to average equity (ytd only) | 7.0357% | 2,272 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.3295% | 3,375 |
| Assets per employee ($millions) | 6.6028% | 2,245 |
| Cash dividends to net income (ytd only)* | 57.5153% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 1,656 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 45.7300% | 3,844 |
| Net loans and leases to deposits | 51.0610% | 3,899 |
| Net loans and leases to core deposits | 53.3607% | 3,955 |
| Total domestic deposits to total assets | 89.5700% | 1,046 |
| Equity capital to assets | 9.8936% | 1,887 |
| Core capital (leverage) ratio | 11.6162% | 1,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $56,352,750 | 4,267 |
| Average earning assets | $53,272,250 | 4,230 |
| Average equity | $5,249,250 | 4,250 |
| Average total loans | $24,102,750 | 4,247 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4488% | 2,775 |
| Cost of funding earning assets | 0.8883% | 2,965 |
| Net interest margin | 3.5605% | 2,129 |
| Noninterest income to average assets | 0.0200% | 4,546 |
| Noninterest expense to average assets | 1.9781% | 3,641 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4114% | 1,300 |
| Return on assets (ROA) | 1.4114% | 1,282 |
| Pretax return on assets | 1.4114% | 1,783 |
| Return on Equity (ROE) | 15.4500% | 1,377 |
| Retained earnings to average equity (ytd only) | 15.4461% | 524 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.3590% | 3,151 |
| Assets per employee ($millions) | 6.9734% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 1,775 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 43.6900% | 3,894 |
| Net loans and leases to deposits | 48.5838% | 3,966 |
| Net loans and leases to core deposits | 50.6399% | 4,000 |
| Total domestic deposits to total assets | 89.9300% | 936 |
| Equity capital to assets | 9.7478% | 2,005 |
| Core capital (leverage) ratio | 11.6733% | 1,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $57,529,667 | 4,275 |
| Average earning assets | $54,486,667 | 4,239 |
| Average equity | $5,257,000 | 4,273 |
| Average total loans | $23,974,333 | 4,265 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0956% | 3,259 |
| Cost of funding earning assets | 0.7480% | 2,899 |
| Net interest margin | 3.3477% | 2,758 |
| Noninterest income to average assets | 0.0200% | 4,597 |
| Noninterest expense to average assets | 2.0616% | 3,470 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1164% | 2,177 |
| Return on assets (ROA) | 1.1164% | 2,142 |
| Pretax return on assets | 1.1164% | 2,667 |
| Return on Equity (ROE) | 12.6200% | 2,074 |
| Retained earnings to average equity (ytd only) | 12.6198% | 1,159 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.8707% | 2,346 |
| Assets per employee ($millions) | 7.3493% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 1,332 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 37.3000% | 4,146 |
| Net loans and leases to deposits | 41.1075% | 4,194 |
| Net loans and leases to core deposits | 42.7380% | 4,208 |
| Total domestic deposits to total assets | 90.7300% | 898 |
| Equity capital to assets | 9.1285% | 2,424 |
| Core capital (leverage) ratio | 10.7117% | 2,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $58,401,000 | 4,326 |
| Average earning assets | $55,083,000 | 4,292 |
| Average equity | $5,166,500 | 4,339 |
| Average total loans | $23,609,000 | 4,334 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1305% | 3,941 |
| Cost of funding earning assets | 0.2236% | 3,566 |
| Net interest margin | 2.9069% | 3,660 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 1.9962% | 3,585 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9605% | 2,724 |
| Return on assets (ROA) | 0.9605% | 2,669 |
| Pretax return on assets | 0.9605% | 3,194 |
| Return on Equity (ROE) | 11.5500% | 2,286 |
| Retained earnings to average equity (ytd only) | 7.1305% | 2,185 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.5141% | 2,021 |
| Assets per employee ($millions) | 7.2510% | 1,789 |
| Cash dividends to net income (ytd only)* | 38.2609% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 1,798 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 42.4600% | 3,957 |
| Net loans and leases to deposits | 46.4682% | 4,034 |
| Net loans and leases to core deposits | 47.6467% | 4,069 |
| Total domestic deposits to total assets | 91.3700% | 819 |
| Equity capital to assets | 8.5609% | 2,667 |
| Core capital (leverage) ratio | 9.9128% | 2,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $59,863,600 | 4,337 |
| Average earning assets | $55,901,400 | 4,314 |
| Average equity | $4,978,600 | 4,432 |
| Average total loans | $23,929,000 | 4,347 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8047% | 4,192 |
| Cost of funding earning assets | 0.1783% | 3,535 |
| Net interest margin | 2.6265% | 4,062 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.9427% | 3,645 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7581% | 3,394 |
| Return on assets (ROA) | 0.7581% | 3,338 |
| Pretax return on assets | 0.7581% | 3,673 |
| Return on Equity (ROE) | 9.1800% | 2,977 |
| Retained earnings to average equity (ytd only) | 3.2919% | 3,703 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.9313% | 1,520 |
| Assets per employee ($millions) | 7.3216% | 1,730 |
| Cash dividends to net income (ytd only)* | 64.1399% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4532% | 1,440 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 38.2100% | 4,138 |
| Net loans and leases to deposits | 41.5287% | 4,191 |
| Net loans and leases to core deposits | 42.5618% | 4,210 |
| Total domestic deposits to total assets | 92.0000% | 874 |
| Equity capital to assets | 7.7766% | 3,035 |
| Core capital (leverage) ratio | 9.7781% | 2,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $60,327,500 | 4,367 |
| Average earning assets | $56,094,250 | 4,346 |
| Average equity | $4,981,750 | 4,471 |
| Average total loans | $23,671,250 | 4,383 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5814% | 4,291 |
| Cost of funding earning assets | 0.1723% | 3,287 |
| Net interest margin | 2.4091% | 4,218 |
| Noninterest income to average assets | 0.0394% | 4,663 |
| Noninterest expense to average assets | 1.8912% | 3,725 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3513% | 4,204 |
| Return on assets (ROA) | 0.3513% | 4,159 |
| Pretax return on assets | 0.3513% | 4,227 |
| Return on Equity (ROE) | 4.1764% | 3,990 |
| Retained earnings to average equity (ytd only) | -1.4832% | 4,343 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3338% | 666 |
| Assets per employee ($millions) | 7.4780% | 1,622 |
| Cash dividends to net income (ytd only)* | 135.5140% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 1,729 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 38.6718% | 4,138 |
| Net loans and leases to deposits | 42.0652% | 4,189 |
| Net loans and leases to core deposits | 43.0892% | 4,222 |
| Total domestic deposits to total assets | 91.9330% | 861 |
| Equity capital to assets | 7.9132% | 3,190 |
| Core capital (leverage) ratio | 8.7704% | 3,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,912,333 | 4,405 |
| Average earning assets | $55,705,333 | 4,407 |
| Average equity | $5,124,000 | 4,512 |
| Average total loans | $23,992,000 | 4,431 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4576% | 4,323 |
| Cost of funding earning assets | 0.1730% | 3,184 |
| Net interest margin | 2.2846% | 4,258 |
| Noninterest income to average assets | 0.0325% | 4,699 |
| Noninterest expense to average assets | 1.9982% | 3,430 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0976% | 4,471 |
| Return on assets (ROA) | 0.0976% | 4,443 |
| Pretax return on assets | 0.0976% | 4,448 |
| Return on Equity (ROE) | 1.1280% | 4,407 |
| Retained earnings to average equity (ytd only) | 1.1280% | 3,800 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3416% | 350 |
| Assets per employee ($millions) | 8.1055% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 1,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 36.1683% | 4,199 |
| Net loans and leases to deposits | 39.2624% | 4,276 |
| Net loans and leases to core deposits | 40.1407% | 4,309 |
| Total domestic deposits to total assets | 92.1195% | 531 |
| Equity capital to assets | 7.8018% | 3,729 |
| Core capital (leverage) ratio | 9.2575% | 3,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,456,500 | 4,425 |
| Average earning assets | $55,501,000 | 4,430 |
| Average equity | $5,319,000 | 4,535 |
| Average total loans | $24,255,500 | 4,444 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1087% | 3,669 |
| Cost of funding earning assets | 0.2050% | 3,415 |
| Net interest margin | 2.9037% | 3,431 |
| Noninterest income to average assets | 0.0480% | 4,729 |
| Noninterest expense to average assets | 1.8191% | 4,110 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8521% | 3,179 |
| Return on assets (ROA) | 0.8521% | 3,248 |
| Pretax return on assets | 0.8521% | 3,620 |
| Return on Equity (ROE) | 8.8887% | 2,954 |
| Retained earnings to average equity (ytd only) | 3.6127% | 3,377 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1001% | 1,961 |
| Assets per employee ($millions) | 7.2586% | 1,757 |
| Cash dividends to net income (ytd only)* | 59.3561% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 2,210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 42.0155% | 3,977 |
| Net loans and leases to deposits | 46.5167% | 4,071 |
| Net loans and leases to core deposits | 47.7027% | 4,107 |
| Total domestic deposits to total assets | 90.3236% | 799 |
| Equity capital to assets | 9.6075% | 3,039 |
| Core capital (leverage) ratio | 9.2007% | 3,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,326,000 | 4,474 |
| Average earning assets | $52,690,800 | 4,480 |
| Average equity | $5,591,400 | 4,572 |
| Average total loans | $24,321,200 | 4,492 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1694% | 3,661 |
| Cost of funding earning assets | 0.2063% | 3,545 |
| Net interest margin | 2.9632% | 3,413 |
| Noninterest income to average assets | 0.0343% | 4,826 |
| Noninterest expense to average assets | 1.7240% | 4,294 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0001% | 2,909 |
| Return on assets (ROA) | 1.0001% | 2,972 |
| Pretax return on assets | 1.0001% | 3,454 |
| Return on Equity (ROE) | 10.4386% | 2,576 |
| Retained earnings to average equity (ytd only) | 3.4080% | 3,765 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2858% | 2,495 |
| Assets per employee ($millions) | 7.0405% | 1,838 |
| Cash dividends to net income (ytd only)* | 67.3516% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 2,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 44.3275% | 3,927 |
| Net loans and leases to deposits | 49.4161% | 4,034 |
| Net loans and leases to core deposits | 50.7253% | 4,095 |
| Total domestic deposits to total assets | 89.7024% | 915 |
| Equity capital to assets | 10.0685% | 2,830 |
| Core capital (leverage) ratio | 9.9946% | 2,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,390,250 | 4,530 |
| Average earning assets | $53,005,250 | 4,535 |
| Average equity | $5,594,500 | 4,638 |
| Average total loans | $24,219,500 | 4,552 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6280% | 4,522 |
| Cost of funding earning assets | 0.2137% | 3,616 |
| Net interest margin | 2.4143% | 4,409 |
| Noninterest income to average assets | 0.0406% | 4,854 |
| Noninterest expense to average assets | 1.6994% | 4,359 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5213% | 4,174 |
| Return on assets (ROA) | 0.5213% | 4,220 |
| Pretax return on assets | 0.5213% | 4,354 |
| Return on Equity (ROE) | 5.5306% | 4,017 |
| Retained earnings to average equity (ytd only) | -1.4724% | 4,637 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5244% | 1,031 |
| Assets per employee ($millions) | 7.1486% | 1,692 |
| Cash dividends to net income (ytd only)* | 126.6234% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 2,274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 42.7128% | 4,130 |
| Net loans and leases to deposits | 47.3557% | 4,255 |
| Net loans and leases to core deposits | 48.6022% | 4,299 |
| Total domestic deposits to total assets | 90.1957% | 685 |
| Equity capital to assets | 9.6382% | 3,211 |
| Core capital (leverage) ratio | 9.6545% | 2,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,079,000 | 4,546 |
| Average earning assets | $53,348,667 | 4,557 |
| Average equity | $5,569,000 | 4,670 |
| Average total loans | $23,860,333 | 4,593 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6166% | 4,560 |
| Cost of funding earning assets | 0.2217% | 3,714 |
| Net interest margin | 2.3948% | 4,415 |
| Noninterest income to average assets | 0.0333% | 4,884 |
| Noninterest expense to average assets | 1.7393% | 4,305 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4532% | 4,266 |
| Return on assets (ROA) | 0.4532% | 4,302 |
| Pretax return on assets | 0.4532% | 4,414 |
| Return on Equity (ROE) | 4.8593% | 4,117 |
| Retained earnings to average equity (ytd only) | -4.0732% | 4,662 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3313% | 863 |
| Assets per employee ($millions) | 7.4719% | 1,467 |
| Cash dividends to net income (ytd only)* | 183.8235% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 1,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 37.0372% | 4,454 |
| Net loans and leases to deposits | 40.8552% | 4,535 |
| Net loans and leases to core deposits | 41.8776% | 4,571 |
| Total domestic deposits to total assets | 90.6550% | 520 |
| Equity capital to assets | 9.2413% | 3,454 |
| Core capital (leverage) ratio | 9.3407% | 3,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,024,000 | 4,555 |
| Average earning assets | $54,116,500 | 4,561 |
| Average equity | $5,597,500 | 4,684 |
| Average total loans | $23,412,000 | 4,629 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5606% | 3,906 |
| Cost of funding earning assets | 0.4918% | 2,998 |
| Net interest margin | 3.0689% | 3,698 |
| Noninterest income to average assets | 0.0505% | 4,862 |
| Noninterest expense to average assets | 1.9276% | 4,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9376% | 2,530 |
| Return on assets (ROA) | 0.9376% | 2,679 |
| Pretax return on assets | 0.9376% | 3,259 |
| Return on Equity (ROE) | 8.9669% | 2,405 |
| Retained earnings to average equity (ytd only) | -0.6980% | 4,610 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2763% | 2,329 |
| Assets per employee ($millions) | 7.5341% | 1,257 |
| Cash dividends to net income (ytd only)* | 107.7844% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 2,169 |
| Loan loss allowance to noncurrent loans | 6,600.0000% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 4,400 |
| Noncurrent loans to loans | 0.0205% | 4,257 |
| Net loans and leases to total assets | 39.8603% | 4,448 |
| Net loans and leases to deposits | 44.0745% | 4,525 |
| Net loans and leases to core deposits | 45.1632% | 4,565 |
| Total domestic deposits to total assets | 90.4385% | 400 |
| Equity capital to assets | 9.4089% | 3,695 |
| Core capital (leverage) ratio | 9.5372% | 3,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,433,400 | 4,607 |
| Average earning assets | $49,008,000 | 4,601 |
| Average equity | $5,587,200 | 4,690 |
| Average total loans | $23,378,000 | 4,656 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8316% | 3,466 |
| Cost of funding earning assets | 0.5482% | 2,944 |
| Net interest margin | 3.2834% | 3,240 |
| Noninterest income to average assets | 0.0387% | 4,912 |
| Noninterest expense to average assets | 1.9024% | 4,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1471% | 1,832 |
| Return on assets (ROA) | 1.1471% | 1,943 |
| Pretax return on assets | 1.1471% | 2,573 |
| Return on Equity (ROE) | 10.6592% | 1,796 |
| Retained earnings to average equity (ytd only) | -2.2756% | 4,720 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3838% | 3,011 |
| Assets per employee ($millions) | 6.7121% | 1,669 |
| Cash dividends to net income (ytd only)* | 121.3483% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 1,698 |
| Loan loss allowance to noncurrent loans | 184.3575% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 2,811 |
| Noncurrent loans to loans | 0.7653% | 1,901 |
| Net loans and leases to total assets | 42.9447% | 4,464 |
| Net loans and leases to deposits | 48.2477% | 4,547 |
| Net loans and leases to core deposits | 49.6106% | 4,589 |
| Total domestic deposits to total assets | 89.0087% | 766 |
| Equity capital to assets | 10.5071% | 2,786 |
| Core capital (leverage) ratio | 10.3173% | 2,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,723,500 | 4,651 |
| Average earning assets | $47,429,500 | 4,648 |
| Average equity | $5,566,250 | 4,713 |
| Average total loans | $23,133,750 | 4,689 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7760% | 3,928 |
| Cost of funding earning assets | 0.5812% | 3,076 |
| Net interest margin | 3.1948% | 3,680 |
| Noninterest income to average assets | 0.0470% | 4,922 |
| Noninterest expense to average assets | 1.9504% | 4,328 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1319% | 1,870 |
| Return on assets (ROA) | 1.1319% | 1,986 |
| Pretax return on assets | 1.1319% | 2,606 |
| Return on Equity (ROE) | 10.4313% | 1,833 |
| Retained earnings to average equity (ytd only) | -5.4503% | 4,789 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2783% | 2,917 |
| Assets per employee ($millions) | 6.5076% | 1,773 |
| Cash dividends to net income (ytd only)* | 152.2491% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4434% | 1,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 43.2800% | 4,491 |
| Net loans and leases to deposits | 48.6348% | 4,578 |
| Net loans and leases to core deposits | 50.0489% | 4,621 |
| Total domestic deposits to total assets | 88.9898% | 747 |
| Equity capital to assets | 10.7220% | 2,552 |
| Core capital (leverage) ratio | 10.1350% | 2,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4825% | 718 |
| Memoranda: | ||
| Average total assets | $51,065,667 | 4,677 |
| Average earning assets | $48,516,667 | 4,644 |
| Average equity | $5,541,000 | 4,739 |
| Average total loans | $23,048,333 | 4,709 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1692% | 3,322 |
| Cost of funding earning assets | 0.6618% | 3,105 |
| Net interest margin | 3.5074% | 2,953 |
| Noninterest income to average assets | 0.0712% | 4,918 |
| Noninterest expense to average assets | 2.0883% | 4,239 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3368% | 1,142 |
| Return on assets (ROA) | 1.3368% | 1,230 |
| Pretax return on assets | 1.3368% | 1,760 |
| Return on Equity (ROE) | 12.2453% | 1,044 |
| Retained earnings to average equity (ytd only) | -5.8690% | 4,580 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9700% | 3,619 |
| Assets per employee ($millions) | 6.3581% | 1,427 |
| Cash dividends to net income (ytd only)* | 147.9290% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 1,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 43.5860% | 4,524 |
| Net loans and leases to deposits | 48.9782% | 4,628 |
| Net loans and leases to core deposits | 50.4345% | 4,666 |
| Total domestic deposits to total assets | 88.9905% | 668 |
| Equity capital to assets | 10.8011% | 3,051 |
| Core capital (leverage) ratio | 10.2944% | 3,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6210% | 787 |
| Memoranda: | ||
| Average total assets | $50,568,000 | 4,703 |
| Average earning assets | $48,354,500 | 4,671 |
| Average equity | $5,520,500 | 4,780 |
| Average total loans | $23,141,500 | 4,741 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0203% | 4,208 |
| Cost of funding earning assets | 0.6450% | 3,439 |
| Net interest margin | 3.3754% | 3,810 |
| Noninterest income to average assets | 0.1115% | 4,895 |
| Noninterest expense to average assets | 1.9987% | 4,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4154% | 1,293 |
| Return on assets (ROA) | 1.4154% | 1,367 |
| Pretax return on assets | 1.4154% | 2,099 |
| Return on Equity (ROE) | 13.6108% | 981 |
| Retained earnings to average equity (ytd only) | 8.8250% | 756 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5423% | 3,906 |
| Assets per employee ($millions) | 6.2839% | 1,431 |
| Cash dividends to net income (ytd only)* | 35.1617% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 1,569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 46.6531% | 4,496 |
| Net loans and leases to deposits | 52.5805% | 4,589 |
| Net loans and leases to core deposits | 54.1440% | 4,644 |
| Total domestic deposits to total assets | 88.7271% | 778 |
| Equity capital to assets | 11.0342% | 2,960 |
| Core capital (leverage) ratio | 10.3004% | 3,190 |
| Tier 1 risk-based capital ratio | 19.5634% | 1,400 |
| Total risk-based capital ratio | 20.7482% | 1,375 |
| Memoranda: | ||
| Average total assets | $50,233,000 | 4,741 |
| Average earning assets | $49,150,000 | 4,689 |
| Average equity | $5,223,800 | 4,857 |
| Average total loans | $23,432,000 | 4,793 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9866% | 4,389 |
| Cost of funding earning assets | 0.6319% | 3,524 |
| Net interest margin | 3.3547% | 3,976 |
| Noninterest income to average assets | 0.1380% | 4,842 |
| Noninterest expense to average assets | 1.8716% | 4,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5504% | 1,061 |
| Return on assets (ROA) | 1.5504% | 1,111 |
| Pretax return on assets | 1.5504% | 1,813 |
| Return on Equity (ROE) | 15.1400% | 750 |
| Retained earnings to average equity (ytd only) | 8.6588% | 1,147 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6936% | 4,312 |
| Assets per employee ($millions) | 6.8521% | 1,089 |
| Cash dividends to net income (ytd only)* | 42.8087% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 1,544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 42.1420% | 4,749 |
| Net loans and leases to deposits | 47.0096% | 4,841 |
| Net loans and leases to core deposits | 48.5519% | 4,870 |
| Total domestic deposits to total assets | 89.6455% | 395 |
| Equity capital to assets | 9.9896% | 4,028 |
| Core capital (leverage) ratio | 11.2181% | 2,455 |
| Tier 1 risk-based capital ratio | 18.0548% | 1,798 |
| Total risk-based capital ratio | 19.1743% | 1,783 |
| Memoranda: | ||
| Average total assets | $50,223,500 | 4,810 |
| Average earning assets | $49,163,750 | 4,754 |
| Average equity | $5,143,000 | 4,933 |
| Average total loans | $23,344,250 | 4,869 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0623% | 4,252 |
| Cost of funding earning assets | 0.6295% | 3,511 |
| Net interest margin | 3.4328% | 3,793 |
| Noninterest income to average assets | 0.1684% | 4,744 |
| Noninterest expense to average assets | 1.9839% | 4,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5444% | 1,022 |
| Return on assets (ROA) | 1.5444% | 1,073 |
| Pretax return on assets | 1.5444% | 1,721 |
| Return on Equity (ROE) | 14.9444% | 773 |
| Retained earnings to average equity (ytd only) | 5.0079% | 2,768 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2282% | 4,221 |
| Assets per employee ($millions) | 5.7115% | 1,776 |
| Cash dividends to net income (ytd only)* | 66.4894% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 1,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 52.0091% | 4,348 |
| Net loans and leases to deposits | 58.9341% | 4,478 |
| Net loans and leases to core deposits | 60.8756% | 4,546 |
| Total domestic deposits to total assets | 88.2496% | 990 |
| Equity capital to assets | 11.4440% | 2,646 |
| Core capital (leverage) ratio | 10.9747% | 2,625 |
| Tier 1 risk-based capital ratio | 18.2307% | 1,745 |
| Total risk-based capital ratio | 19.4069% | 1,720 |
| Memoranda: | ||
| Average total assets | $48,692,330 | 4,876 |
| Average earning assets | $47,658,000 | 4,819 |
| Average equity | $5,032,000 | 4,980 |
| Average total loans | $23,315,330 | 4,912 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 4,441 |
| Cost of funding earning assets | 0.5945% | 3,604 |
| Net interest margin | 3.3715% | 3,973 |
| Noninterest income to average assets | 0.0398% | 5,241 |
| Noninterest expense to average assets | 2.0800% | 4,493 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2592% | 1,849 |
| Return on assets (ROA) | 1.2592% | 1,898 |
| Pretax return on assets | 1.2592% | 2,593 |
| Return on Equity (ROE) | 12.8104% | 1,276 |
| Retained earnings to average equity (ytd only) | 12.8104% | 490 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2912% | 3,489 |
| Assets per employee ($millions) | 6.1429% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 1,540 |
| Loan loss allowance to noncurrent loans | 330.0000% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 3,801 |
| Noncurrent loans to loans | 0.4361% | 3,019 |
| Net loans and leases to total assets | 45.9923% | 4,670 |
| Net loans and leases to deposits | 51.4067% | 4,768 |
| Net loans and leases to core deposits | 52.9544% | 4,813 |
| Total domestic deposits to total assets | 89.4675% | 655 |
| Equity capital to assets | 10.3636% | 3,460 |
| Core capital (leverage) ratio | 10.3853% | 3,180 |
| Tier 1 risk-based capital ratio | 18.3753% | 1,697 |
| Total risk-based capital ratio | 19.5537% | 1,666 |
| Memoranda: | ||
| Average total assets | $50,192,500 | 4,894 |
| Average earning assets | $49,118,000 | 4,839 |
| Average equity | $4,933,500 | 5,037 |
| Average total loans | $22,926,000 | 4,974 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4105% | 4,995 |
| Cost of funding earning assets | 0.4005% | 3,986 |
| Net interest margin | 3.0099% | 4,790 |
| Noninterest income to average assets | 0.0733% | 5,224 |
| Noninterest expense to average assets | 1.9066% | 4,887 |
| Loan and lease loss provision to assets | -0.0436% | 5,185 |
| Net operating income to assets | 1.1562% | 2,358 |
| Return on assets (ROA) | 1.1562% | 2,358 |
| Pretax return on assets | 1.1562% | 3,077 |
| Return on Equity (ROE) | 12.7924% | 1,429 |
| Retained earnings to average equity (ytd only) | 6.2210% | 2,080 |
| Net charge-offs to loans | -0.1124% | 5,176 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1475% | 3,314 |
| Assets per employee ($millions) | 6.4053% | 1,262 |
| Cash dividends to net income (ytd only)* | 51.3699% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 1,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 44.0849% | 4,812 |
| Net loans and leases to deposits | 48.6895% | 4,920 |
| Net loans and leases to core deposits | 50.3040% | 4,935 |
| Total domestic deposits to total assets | 90.5429% | 312 |
| Equity capital to assets | 9.3166% | 4,303 |
| Core capital (leverage) ratio | 9.8982% | 3,696 |
| Tier 1 risk-based capital ratio | 17.2685% | 1,963 |
| Total risk-based capital ratio | 18.4109% | 1,954 |
| Memoranda: | ||
| Average total assets | $50,509,600 | 4,922 |
| Average earning assets | $49,436,200 | 4,866 |
| Average equity | $4,565,200 | 5,104 |
| Average total loans | $19,580,400 | 5,083 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2695% | 5,148 |
| Cost of funding earning assets | 0.3708% | 4,041 |
| Net interest margin | 2.8987% | 4,975 |
| Noninterest income to average assets | 0.0636% | 5,309 |
| Noninterest expense to average assets | 1.7830% | 5,052 |
| Loan and lease loss provision to assets | -0.0583% | 5,305 |
| Net operating income to assets | 1.1763% | 2,334 |
| Return on assets (ROA) | 1.1763% | 2,338 |
| Pretax return on assets | 1.1763% | 3,088 |
| Return on Equity (ROE) | 13.1174% | 1,383 |
| Retained earnings to average equity (ytd only) | 4.2544% | 3,644 |
| Net charge-offs to loans | -0.1565% | 5,257 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4612% | 3,586 |
| Assets per employee ($millions) | 6.5736% | 1,151 |
| Cash dividends to net income (ytd only)* | 67.5670% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 1,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 38.1753% | 5,077 |
| Net loans and leases to deposits | 41.8608% | 5,156 |
| Net loans and leases to core deposits | 43.2021% | 5,177 |
| Total domestic deposits to total assets | 91.1959% | 180 |
| Equity capital to assets | 8.5094% | 4,916 |
| Core capital (leverage) ratio | 10.4285% | 3,154 |
| Tier 1 risk-based capital ratio | 18.8535% | 1,574 |
| Total risk-based capital ratio | 20.1019% | 1,545 |
| Memoranda: | ||
| Average total assets | $50,326,500 | 4,985 |
| Average earning assets | $49,262,500 | 4,921 |
| Average equity | $4,513,000 | 5,172 |
| Average total loans | $18,745,500 | 5,164 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2358% | 5,195 |
| Cost of funding earning assets | 0.3591% | 4,012 |
| Net interest margin | 2.8768% | 5,049 |
| Noninterest income to average assets | 0.0807% | 5,321 |
| Noninterest expense to average assets | 1.8155% | 5,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0772% | 2,676 |
| Return on assets (ROA) | 1.0772% | 2,682 |
| Pretax return on assets | 1.0772% | 3,396 |
| Return on Equity (ROE) | 11.7994% | 1,803 |
| Retained earnings to average equity (ytd only) | 5.1705% | 2,989 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7615% | 3,527 |
| Assets per employee ($millions) | 5.6405% | 1,766 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7222% | 870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 41.7339% | 4,993 |
| Net loans and leases to deposits | 46.4598% | 5,083 |
| Net loans and leases to core deposits | 48.2315% | 5,085 |
| Total domestic deposits to total assets | 89.8280% | 624 |
| Equity capital to assets | 9.9415% | 3,681 |
| Core capital (leverage) ratio | 10.1456% | 3,424 |
| Tier 1 risk-based capital ratio | 19.8403% | 1,353 |
| Total risk-based capital ratio | 21.0914% | 1,324 |
| Memoranda: | ||
| Average total assets | $49,572,330 | 5,055 |
| Average earning assets | $48,457,330 | 4,993 |
| Average equity | $4,525,670 | 5,230 |
| Average total loans | $18,192,000 | 5,231 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0469% | 5,346 |
| Cost of funding earning assets | 0.3166% | 4,222 |
| Net interest margin | 2.7303% | 5,231 |
| Noninterest income to average assets | 0.0618% | 5,446 |
| Noninterest expense to average assets | 1.6449% | 5,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0812% | 2,517 |
| Return on assets (ROA) | 1.0812% | 2,534 |
| Pretax return on assets | 1.0812% | 3,242 |
| Return on Equity (ROE) | 12.3199% | 1,466 |
| Retained earnings to average equity (ytd only) | 12.3199% | 623 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3399% | 4,021 |
| Assets per employee ($millions) | 6.2470% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9542% | 596 |
| 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 | 33.1299% | 5,289 |
| Net loans and leases to deposits | 36.4812% | 5,349 |
| Net loans and leases to core deposits | 37.7178% | 5,356 |
| Total domestic deposits to total assets | 90.8136% | 379 |
| Equity capital to assets | 9.0804% | 4,475 |
| Core capital (leverage) ratio | 9.5479% | 4,013 |
| Tier 1 risk-based capital ratio | 21.5993% | 1,112 |
| Total risk-based capital ratio | 22.8481% | 1,084 |
| Memoranda: | ||
| Average total assets | $51,796,500 | 5,079 |
| Average earning assets | $50,544,000 | 5,017 |
| Average equity | $4,545,500 | 5,283 |
| Average total loans | $17,707,000 | 5,305 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1056% | 5,283 |
| Cost of funding earning assets | 0.2931% | 4,204 |
| Net interest margin | 2.8126% | 5,152 |
| Noninterest income to average assets | 0.0866% | 5,443 |
| Noninterest expense to average assets | 1.8802% | 5,143 |
| Loan and lease loss provision to assets | 0.0413% | 3,434 |
| Net operating income to assets | 0.7914% | 3,200 |
| Return on assets (ROA) | 0.7914% | 3,243 |
| Pretax return on assets | 0.7914% | 4,268 |
| Return on Equity (ROE) | 9.0118% | 2,313 |
| Retained earnings to average equity (ytd only) | 9.0118% | 503 |
| Net charge-offs to loans | 0.1170% | 1,875 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 20.1429% | 1,984 |
| Efficiency ratio | 69.3033% | 2,650 |
| Assets per employee ($millions) | 6.7021% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7812% | 803 |
| Loan loss allowance to noncurrent loans | 733.3333% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 4,700 |
| Noncurrent loans to loans | 0.2429% | 3,931 |
| Net loans and leases to total assets | 33.9389% | 5,343 |
| Net loans and leases to deposits | 37.1314% | 5,406 |
| Net loans and leases to core deposits | 38.0539% | 5,423 |
| Total domestic deposits to total assets | 91.4020% | 156 |
| Equity capital to assets | 8.4917% | 5,131 |
| Core capital (leverage) ratio | 8.7025% | 4,950 |
| Tier 1 risk-based capital ratio | 19.9669% | 1,329 |
| Total risk-based capital ratio | 21.2151% | 1,293 |
| Memoranda: | ||
| Average total assets | $50,793,200 | 5,142 |
| Average earning assets | $47,430,000 | 5,118 |
| Average equity | $4,460,800 | 5,349 |
| Average total loans | $17,955,200 | 5,363 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1282% | 5,305 |
| Cost of funding earning assets | 0.2993% | 4,140 |
| Net interest margin | 2.8289% | 5,180 |
| Noninterest income to average assets | 0.0932% | 5,497 |
| Noninterest expense to average assets | 1.7516% | 5,323 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9583% | 2,730 |
| Return on assets (ROA) | 0.9583% | 2,790 |
| Pretax return on assets | 0.9583% | 3,838 |
| Return on Equity (ROE) | 10.8161% | 1,769 |
| Retained earnings to average equity (ytd only) | 10.8161% | 440 |
| Net charge-offs to loans | 0.1572% | 1,298 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 17.1425% | 2,116 |
| Efficiency ratio | 64.6365% | 3,428 |
| Assets per employee ($millions) | 6.7960% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7414% | 960 |
| 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 | 32.0685% | 5,452 |
| Net loans and leases to deposits | 35.1746% | 5,509 |
| Net loans and leases to core deposits | 36.0376% | 5,525 |
| Total domestic deposits to total assets | 91.1694% | 149 |
| Equity capital to assets | 8.5749% | 5,236 |
| Core capital (leverage) ratio | 9.6506% | 3,988 |
| Tier 1 risk-based capital ratio | 20.8843% | 1,217 |
| Total risk-based capital ratio | 22.1341% | 1,184 |
| Memoranda: | ||
| Average total assets | $50,087,250 | 5,209 |
| Average earning assets | $46,330,000 | 5,198 |
| Average equity | $4,437,750 | 5,409 |
| Average total loans | $17,812,250 | 5,423 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2204% | 5,211 |
| Cost of funding earning assets | 0.3153% | 3,929 |
| Net interest margin | 2.9051% | 5,091 |
| Noninterest income to average assets | 0.1233% | 5,431 |
| Noninterest expense to average assets | 1.8331% | 5,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9412% | 2,714 |
| Return on assets (ROA) | 0.9412% | 2,770 |
| Pretax return on assets | 0.9412% | 3,792 |
| Return on Equity (ROE) | 10.4974% | 1,827 |
| Retained earnings to average equity (ytd only) | 10.4974% | 506 |
| Net charge-offs to loans | 0.2355% | 866 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 10.9048% | 2,311 |
| Efficiency ratio | 66.0741% | 3,340 |
| Assets per employee ($millions) | 5.8935% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7656% | 955 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 36.4639% | 5,362 |
| Net loans and leases to deposits | 40.4565% | 5,443 |
| Net loans and leases to core deposits | 41.6201% | 5,452 |
| Total domestic deposits to total assets | 90.1311% | 496 |
| Equity capital to assets | 9.6674% | 4,258 |
| Core capital (leverage) ratio | 9.5302% | 4,104 |
| Tier 1 risk-based capital ratio | 19.7368% | 1,424 |
| Total risk-based capital ratio | 20.9873% | 1,392 |
| Memoranda: | ||
| Average total assets | $48,660,330 | 5,279 |
| Average earning assets | $44,405,000 | 5,281 |
| Average equity | $4,363,000 | 5,460 |
| Average total loans | $17,835,000 | 5,469 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2097% | 5,234 |
| Cost of funding earning assets | 0.3147% | 3,906 |
| Net interest margin | 2.8950% | 5,094 |
| Noninterest income to average assets | 0.1133% | 5,541 |
| Noninterest expense to average assets | 1.9103% | 5,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8094% | 3,181 |
| Return on assets (ROA) | 0.8094% | 3,240 |
| Pretax return on assets | 0.8094% | 4,077 |
| Return on Equity (ROE) | 9.3776% | 2,247 |
| Retained earnings to average equity (ytd only) | 9.3776% | 957 |
| Net charge-offs to loans | 0.4666% | 398 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.7619% | 2,350 |
| Efficiency ratio | 70.2381% | 2,847 |
| Assets per employee ($millions) | 6.0585% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9021% | 788 |
| Loan loss allowance to noncurrent loans | 3,090.0000% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 5,255 |
| Noncurrent loans to loans | 0.0616% | 4,952 |
| Net loans and leases to total assets | 32.8794% | 5,508 |
| Net loans and leases to deposits | 36.1639% | 5,580 |
| Net loans and leases to core deposits | 37.6934% | 5,584 |
| Total domestic deposits to total assets | 90.9177% | 323 |
| Equity capital to assets | 8.9544% | 4,854 |
| Core capital (leverage) ratio | 8.6038% | 5,151 |
| Tier 1 risk-based capital ratio | 19.6403% | 1,468 |
| Total risk-based capital ratio | 20.8899% | 1,437 |
| Memoranda: | ||
| Average total assets | $49,416,500 | 5,322 |
| Average earning assets | $44,490,500 | 5,335 |
| Average equity | $4,265,500 | 5,530 |
| Average total loans | $18,002,000 | 5,522 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0520% | 5,455 |
| Cost of funding earning assets | 0.3068% | 3,992 |
| Net interest margin | 2.7452% | 5,366 |
| Noninterest income to average assets | 0.1479% | 5,460 |
| Noninterest expense to average assets | 1.8475% | 5,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8022% | 3,292 |
| Return on assets (ROA) | 0.8022% | 3,397 |
| Pretax return on assets | 0.8022% | 4,185 |
| Return on Equity (ROE) | 9.1362% | 2,351 |
| Retained earnings to average equity (ytd only) | 3.3684% | 3,524 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7248% | 2,954 |
| Assets per employee ($millions) | 6.2956% | 1,266 |
| Cash dividends to net income (ytd only)* | 63.1313% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6701% | 1,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 38.5764% | 5,379 |
| Net loans and leases to deposits | 42.7471% | 5,468 |
| Net loans and leases to core deposits | 44.7498% | 5,471 |
| Total domestic deposits to total assets | 90.2432% | 544 |
| Equity capital to assets | 8.3213% | 5,407 |
| Core capital (leverage) ratio | 8.4878% | 5,274 |
| Tier 1 risk-based capital ratio | 16.5271% | 2,340 |
| Total risk-based capital ratio | 17.7759% | 2,281 |
| Memoranda: | ||
| Average total assets | $49,364,200 | 5,359 |
| Average earning assets | $44,987,200 | 5,355 |
| Average equity | $4,334,400 | 5,583 |
| Average total loans | $19,133,000 | 5,544 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0396% | 5,540 |
| Cost of funding earning assets | 0.3046% | 4,049 |
| Net interest margin | 2.7351% | 5,451 |
| Noninterest income to average assets | 0.1575% | 5,485 |
| Noninterest expense to average assets | 1.8053% | 5,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8633% | 3,086 |
| Return on assets (ROA) | 0.8633% | 3,214 |
| Pretax return on assets | 0.8633% | 4,109 |
| Return on Equity (ROE) | 9.7017% | 2,188 |
| Retained earnings to average equity (ytd only) | 2.0745% | 4,656 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6501% | 3,289 |
| Assets per employee ($millions) | 5.9340% | 1,478 |
| Cash dividends to net income (ytd only)* | 78.6174% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7337% | 1,139 |
| Loan loss allowance to noncurrent loans | 3,300.0000% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 5,432 |
| Noncurrent loans to loans | 0.0525% | 5,147 |
| Net loans and leases to total assets | 39.4001% | 5,409 |
| Net loans and leases to deposits | 43.5686% | 5,528 |
| Net loans and leases to core deposits | 45.7456% | 5,519 |
| Total domestic deposits to total assets | 90.4323% | 341 |
| Equity capital to assets | 9.2897% | 4,874 |
| Core capital (leverage) ratio | 8.6797% | 5,171 |
| Tier 1 risk-based capital ratio | 17.0607% | 2,204 |
| Total risk-based capital ratio | 18.3133% | 2,162 |
| Memoranda: | ||
| Average total assets | $49,114,000 | 5,417 |
| Average earning assets | $45,091,750 | 5,413 |
| Average equity | $4,370,250 | 5,639 |
| Average total loans | $18,976,500 | 5,601 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9347% | 5,699 |
| Cost of funding earning assets | 0.2965% | 4,172 |
| Net interest margin | 2.6382% | 5,630 |
| Noninterest income to average assets | 0.1369% | 5,620 |
| Noninterest expense to average assets | 1.8163% | 5,575 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7571% | 3,518 |
| Return on assets (ROA) | 0.7571% | 3,666 |
| Pretax return on assets | 0.7571% | 4,432 |
| Return on Equity (ROE) | 8.6298% | 2,678 |
| Retained earnings to average equity (ytd only) | 4.0395% | 3,333 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5790% | 2,894 |
| Assets per employee ($millions) | 6.0544% | 1,363 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7661% | 1,144 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 5,391 |
| Noncurrent loans to loans | 0.1177% | 4,975 |
| Net loans and leases to total assets | 37.8961% | 5,519 |
| Net loans and leases to deposits | 41.8195% | 5,629 |
| Net loans and leases to core deposits | 43.2411% | 5,643 |
| Total domestic deposits to total assets | 90.6184% | 287 |
| Equity capital to assets | 9.1917% | 5,073 |
| Core capital (leverage) ratio | 8.7181% | 5,150 |
| Tier 1 risk-based capital ratio | 15.0643% | 3,051 |
| Total risk-based capital ratio | 16.2359% | 3,029 |
| Memoranda: | ||
| Average total assets | $49,661,330 | 5,472 |
| Average earning assets | $45,865,330 | 5,449 |
| Average equity | $4,357,000 | 5,706 |
| Average total loans | $18,957,330 | 5,669 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9309% | 5,752 |
| Cost of funding earning assets | 0.2940% | 4,230 |
| Net interest margin | 2.6370% | 5,684 |
| Noninterest income to average assets | 0.1432% | 5,626 |
| Noninterest expense to average assets | 1.8697% | 5,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7002% | 3,712 |
| Return on assets (ROA) | 0.7002% | 3,828 |
| Pretax return on assets | 0.7002% | 4,527 |
| Return on Equity (ROE) | 8.1680% | 2,818 |
| Retained earnings to average equity (ytd only) | 8.1680% | 1,390 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7554% | 2,689 |
| Assets per employee ($millions) | 6.2508% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8265% | 1,103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 35.4697% | 5,657 |
| Net loans and leases to deposits | 38.9294% | 5,745 |
| Net loans and leases to core deposits | 40.2108% | 5,765 |
| Total domestic deposits to total assets | 91.1131% | 240 |
| Equity capital to assets | 8.7729% | 5,363 |
| Core capital (leverage) ratio | 8.4218% | 5,462 |
| Tier 1 risk-based capital ratio | 15.4733% | 2,935 |
| Total risk-based capital ratio | 16.6770% | 2,896 |
| Memoranda: | ||
| Average total assets | $50,274,500 | 5,503 |
| Average earning assets | $46,265,500 | 5,484 |
| Average equity | $4,309,500 | 5,758 |
| Average total loans | $19,093,500 | 5,716 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4136% | 5,124 |
| Cost of funding earning assets | 0.3596% | 3,588 |
| Net interest margin | 3.0540% | 5,018 |
| Noninterest income to average assets | 0.1481% | 5,673 |
| Noninterest expense to average assets | 1.7650% | 5,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7952% | 3,359 |
| Return on assets (ROA) | 0.8013% | 3,418 |
| Pretax return on assets | 0.8013% | 4,181 |
| Return on Equity (ROE) | 9.2419% | 2,352 |
| Retained earnings to average equity (ytd only) | 2.2227% | 4,459 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9382% | 3,413 |
| Assets per employee ($millions) | 7.2204% | 817 |
| Cash dividends to net income (ytd only)* | 75.9494% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6402% | 1,497 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 5,504 |
| Noncurrent loans to loans | 0.1093% | 5,064 |
| Net loans and leases to total assets | 39.1548% | 5,563 |
| Net loans and leases to deposits | 42.8318% | 5,686 |
| Net loans and leases to core deposits | 43.7319% | 5,725 |
| Total domestic deposits to total assets | 91.4152% | 194 |
| Equity capital to assets | 8.3731% | 5,651 |
| Core capital (leverage) ratio | 8.2442% | 5,648 |
| Tier 1 risk-based capital ratio | 15.2407% | 3,059 |
| Total risk-based capital ratio | 16.4514% | 3,016 |
| Memoranda: | ||
| Average total assets | $49,292,800 | 5,561 |
| Average earning assets | $38,932,600 | 5,705 |
| Average equity | $4,274,000 | 5,804 |
| Average total loans | $19,589,400 | 5,736 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5457% | 4,875 |
| Cost of funding earning assets | 0.3776% | 3,466 |
| Net interest margin | 3.1681% | 4,778 |
| Noninterest income to average assets | 0.1633% | 5,667 |
| Noninterest expense to average assets | 1.7313% | 5,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8303% | 3,281 |
| Return on assets (ROA) | 0.8357% | 3,329 |
| Pretax return on assets | 0.8357% | 4,218 |
| Return on Equity (ROE) | 9.5535% | 2,293 |
| Retained earnings to average equity (ytd only) | 6.4416% | 1,996 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5877% | 3,616 |
| Assets per employee ($millions) | 5.9851% | 1,386 |
| Cash dividends to net income (ytd only)* | 32.5735% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6433% | 1,633 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 41.2523% | 5,529 |
| Net loans and leases to deposits | 45.5798% | 5,669 |
| Net loans and leases to core deposits | 47.1116% | 5,688 |
| Total domestic deposits to total assets | 90.5056% | 382 |
| Equity capital to assets | 9.2166% | 5,099 |
| Core capital (leverage) ratio | 8.7761% | 5,265 |
| Tier 1 risk-based capital ratio | 15.1510% | 3,217 |
| Total risk-based capital ratio | 16.3233% | 3,198 |
| Memoranda: | ||
| Average total assets | $48,980,250 | 5,636 |
| Average earning assets | $37,077,250 | 5,821 |
| Average equity | $4,284,500 | 5,882 |
| Average total loans | $19,456,750 | 5,815 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6634% | 4,531 |
| Cost of funding earning assets | 0.4033% | 3,245 |
| Net interest margin | 3.2601% | 4,451 |
| Noninterest income to average assets | 0.1864% | 5,574 |
| Noninterest expense to average assets | 1.7103% | 5,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8025% | 3,372 |
| Return on assets (ROA) | 0.8025% | 3,467 |
| Pretax return on assets | 0.8025% | 4,303 |
| Return on Equity (ROE) | 9.3359% | 2,371 |
| Retained earnings to average equity (ytd only) | 4.6208% | 3,098 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0645% | 3,659 |
| Assets per employee ($millions) | 6.0090% | 1,343 |
| Cash dividends to net income (ytd only)* | 50.5051% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7819% | 1,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 37.8391% | 5,745 |
| Net loans and leases to deposits | 41.6152% | 5,854 |
| Net loans and leases to core deposits | 42.5487% | 5,882 |
| Total domestic deposits to total assets | 90.9261% | 320 |
| Equity capital to assets | 8.8763% | 5,367 |
| Core capital (leverage) ratio | 8.6069% | 5,435 |
| Tier 1 risk-based capital ratio | 15.9103% | 2,899 |
| Total risk-based capital ratio | 17.1577% | 2,861 |
| Memoranda: | ||
| Average total assets | $49,346,670 | 5,685 |
| Average earning assets | $35,213,330 | 5,926 |
| Average equity | $4,241,670 | 5,949 |
| Average total loans | $19,248,330 | 5,879 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7445% | 4,216 |
| Cost of funding earning assets | 0.4036% | 3,264 |
| Net interest margin | 3.3409% | 4,057 |
| Noninterest income to average assets | 0.1921% | 5,559 |
| Noninterest expense to average assets | 1.7366% | 5,979 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8403% | 3,061 |
| Return on assets (ROA) | 0.8403% | 3,189 |
| Pretax return on assets | 0.8403% | 4,100 |
| Return on Equity (ROE) | 9.9314% | 2,037 |
| Retained earnings to average equity (ytd only) | 9.9314% | 945 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3913% | 3,922 |
| Assets per employee ($millions) | 6.0984% | 1,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8641% | 1,359 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 35.6099% | 5,846 |
| Net loans and leases to deposits | 39.1381% | 5,945 |
| Net loans and leases to core deposits | 39.6562% | 5,985 |
| Total domestic deposits to total assets | 90.9853% | 372 |
| Equity capital to assets | 8.8897% | 5,404 |
| Core capital (leverage) ratio | 9.1768% | 4,750 |
| Tier 1 risk-based capital ratio | 19.0000% | 1,867 |
| Total risk-based capital ratio | 20.2500% | 1,831 |
| Memoranda: | ||
| Average total assets | $49,984,000 | 5,721 |
| Average earning assets | $35,679,000 | 5,971 |
| Average equity | $4,229,000 | 6,009 |
| Average total loans | $19,612,500 | 5,913 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9775% | 3,804 |
| Cost of funding earning assets | 0.3885% | 3,809 |
| Net interest margin | 3.5891% | 3,449 |
| Noninterest income to average assets | 0.1628% | 5,883 |
| Noninterest expense to average assets | 2.0668% | 5,645 |
| Loan and lease loss provision to assets | -0.0450% | 6,017 |
| Net operating income to assets | 0.9509% | 2,628 |
| Return on assets (ROA) | 0.9509% | 2,707 |
| Pretax return on assets | 0.9509% | 3,688 |
| Return on Equity (ROE) | 10.9365% | 1,739 |
| Retained earnings to average equity (ytd only) | 2.3154% | 4,581 |
| Net charge-offs to loans | -0.2463% | 6,297 |
| Credit loss provision to net charge-offs | 41.1765% | 3,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5245% | 3,625 |
| Assets per employee ($millions) | 6.3976% | 1,120 |
| Cash dividends to net income (ytd only)* | 78.8288% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 2,330 |
| 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 | 41.4060% | 5,663 |
| Net loans and leases to deposits | 45.0826% | 5,839 |
| Net loans and leases to core deposits | 45.6449% | 5,908 |
| Total domestic deposits to total assets | 91.8446% | 168 |
| Equity capital to assets | 8.0518% | 6,042 |
| Core capital (leverage) ratio | 8.7038% | 5,344 |
| Tier 1 risk-based capital ratio | 13.9241% | 4,147 |
| Total risk-based capital ratio | 15.0561% | 4,164 |
| Memoranda: | ||
| Average total assets | $46,691,200 | 5,870 |
| Average earning assets | $36,555,200 | 6,025 |
| Average equity | $4,059,800 | 6,080 |
| Average total loans | $20,706,400 | 5,933 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0129% | 3,706 |
| Cost of funding earning assets | 0.3928% | 3,867 |
| Net interest margin | 3.6201% | 3,346 |
| Noninterest income to average assets | 0.1551% | 5,982 |
| Noninterest expense to average assets | 1.8960% | 5,957 |
| Loan and lease loss provision to assets | -0.1492% | 6,347 |
| Net operating income to assets | 1.2669% | 1,469 |
| Return on assets (ROA) | 1.2669% | 1,532 |
| Pretax return on assets | 1.2669% | 2,507 |
| Return on Equity (ROE) | 14.2742% | 936 |
| Retained earnings to average equity (ytd only) | 6.0658% | 2,370 |
| Net charge-offs to loans | -0.3317% | 6,409 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9126% | 4,745 |
| Assets per employee ($millions) | 5.4439% | 1,778 |
| Cash dividends to net income (ytd only)* | 57.5054% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 3,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 5,633 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 47.3146% | 5,266 |
| Net loans and leases to deposits | 52.4954% | 5,504 |
| Net loans and leases to core deposits | 53.2771% | 5,608 |
| Total domestic deposits to total assets | 90.1311% | 670 |
| Equity capital to assets | 9.5934% | 4,677 |
| Core capital (leverage) ratio | 9.2379% | 4,724 |
| Tier 1 risk-based capital ratio | 14.9160% | 3,639 |
| Total risk-based capital ratio | 15.9948% | 3,681 |
| Memoranda: | ||
| Average total assets | $45,568,750 | 5,959 |
| Average earning assets | $35,983,250 | 6,110 |
| Average equity | $4,044,500 | 6,151 |
| Average total loans | $20,502,500 | 6,003 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9407% | 3,973 |
| Cost of funding earning assets | 0.3935% | 3,939 |
| Net interest margin | 3.5472% | 3,587 |
| Noninterest income to average assets | 0.1427% | 6,107 |
| Noninterest expense to average assets | 1.9939% | 5,848 |
| Loan and lease loss provision to assets | -0.2206% | 6,489 |
| Net operating income to assets | 1.1375% | 1,794 |
| Return on assets (ROA) | 1.1375% | 1,880 |
| Pretax return on assets | 1.1375% | 2,942 |
| Return on Equity (ROE) | 13.1500% | 1,133 |
| Retained earnings to average equity (ytd only) | 0.6500% | 5,475 |
| Net charge-offs to loans | -0.5008% | 6,512 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4993% | 3,919 |
| Assets per employee ($millions) | 5.7423% | 1,485 |
| Cash dividends to net income (ytd only)* | 95.0570% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 3,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 5,681 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 44.6319% | 5,486 |
| Net loans and leases to deposits | 49.0409% | 5,702 |
| Net loans and leases to core deposits | 49.7380% | 5,807 |
| Total domestic deposits to total assets | 91.0096% | 417 |
| Equity capital to assets | 8.7879% | 5,531 |
| Core capital (leverage) ratio | 8.3846% | 5,755 |
| Tier 1 risk-based capital ratio | 13.9833% | 4,269 |
| Total risk-based capital ratio | 15.0381% | 4,345 |
| Memoranda: | ||
| Average total assets | $46,241,330 | 5,999 |
| Average earning assets | $36,084,670 | 6,166 |
| Average equity | $4,000,000 | 6,204 |
| Average total loans | $20,368,000 | 6,061 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9791% | 3,772 |
| Cost of funding earning assets | 0.4183% | 3,781 |
| Net interest margin | 3.5609% | 3,430 |
| Noninterest income to average assets | 0.1811% | 5,880 |
| Noninterest expense to average assets | 2.0607% | 5,762 |
| Loan and lease loss provision to assets | -0.4397% | 6,649 |
| Net operating income to assets | 1.2761% | 1,279 |
| Return on assets (ROA) | 1.2761% | 1,331 |
| Pretax return on assets | 1.2761% | 2,193 |
| Return on Equity (ROE) | 14.8688% | 799 |
| Retained earnings to average equity (ytd only) | 14.8688% | 332 |
| Net charge-offs to loans | -1.0124% | 6,629 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1310% | 3,638 |
| Assets per employee ($millions) | 5.7845% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5119% | 3,093 |
| Loan loss allowance to noncurrent loans | 5,000.0000% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 5,531 |
| Noncurrent loans to loans | 0.0302% | 6,063 |
| Net loans and leases to total assets | 42.2314% | 5,646 |
| Net loans and leases to deposits | 46.3841% | 5,826 |
| Net loans and leases to core deposits | 47.0496% | 5,932 |
| Total domestic deposits to total assets | 91.0472% | 551 |
| Equity capital to assets | 8.8231% | 5,307 |
| Core capital (leverage) ratio | 9.0609% | 4,919 |
| Tier 1 risk-based capital ratio | 14.8860% | 3,769 |
| Total risk-based capital ratio | 15.9718% | 3,825 |
| Memoranda: | ||
| Average total assets | $46,393,000 | 6,061 |
| Average earning assets | $35,384,500 | 6,244 |
| Average equity | $3,981,500 | 6,254 |
| Average total loans | $20,150,500 | 6,131 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6386% | 5,308 |
| Cost of funding earning assets | 0.4121% | 4,518 |
| Net interest margin | 3.2265% | 4,908 |
| Noninterest income to average assets | 0.2405% | 5,625 |
| Noninterest expense to average assets | 1.9921% | 6,044 |
| Loan and lease loss provision to assets | -0.2382% | 6,630 |
| Net operating income to assets | 1.1776% | 1,657 |
| Return on assets (ROA) | 1.1776% | 1,712 |
| Pretax return on assets | 1.1866% | 2,634 |
| Return on Equity (ROE) | 13.6099% | 1,040 |
| Retained earnings to average equity (ytd only) | 9.6764% | 626 |
| Net charge-offs to loans | -0.5528% | 6,731 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7469% | 4,246 |
| Assets per employee ($millions) | 5.8138% | 1,395 |
| Cash dividends to net income (ytd only)* | 28.9017% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 3,349 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3182% | 5,305 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 43.3412% | 5,731 |
| Net loans and leases to deposits | 47.3493% | 5,937 |
| Net loans and leases to core deposits | 48.0192% | 6,031 |
| Total domestic deposits to total assets | 91.5352% | 393 |
| Equity capital to assets | 8.3423% | 5,742 |
| Core capital (leverage) ratio | 8.5731% | 5,577 |
| Tier 1 risk-based capital ratio | 13.9145% | 4,352 |
| Total risk-based capital ratio | 14.9679% | 4,453 |
| Memoranda: | ||
| Average total assets | $44,073,800 | 6,177 |
| Average earning assets | $36,882,400 | 6,260 |
| Average equity | $3,813,400 | 6,370 |
| Average total loans | $18,995,000 | 6,255 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4947% | 5,699 |
| Cost of funding earning assets | 0.4128% | 4,698 |
| Net interest margin | 3.0819% | 5,372 |
| Noninterest income to average assets | 0.2147% | 5,892 |
| Noninterest expense to average assets | 1.8896% | 6,200 |
| Loan and lease loss provision to assets | -0.4080% | 6,811 |
| Net operating income to assets | 1.3773% | 1,155 |
| Return on assets (ROA) | 1.3773% | 1,200 |
| Pretax return on assets | 1.3896% | 1,964 |
| Return on Equity (ROE) | 15.7674% | 673 |
| Retained earnings to average equity (ytd only) | 10.5000% | 682 |
| Net charge-offs to loans | -0.9519% | 6,828 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8120% | 4,519 |
| Assets per employee ($millions) | 5.8018% | 1,378 |
| Cash dividends to net income (ytd only)* | 33.4085% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5374% | 3,290 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 5,002 |
| Noncurrent loans to loans | 0.1537% | 5,855 |
| Net loans and leases to total assets | 41.3970% | 5,941 |
| Net loans and leases to deposits | 45.3545% | 6,136 |
| Net loans and leases to core deposits | 46.0194% | 6,208 |
| Total domestic deposits to total assets | 91.2742% | 434 |
| Equity capital to assets | 8.4005% | 5,833 |
| Core capital (leverage) ratio | 8.8738% | 5,288 |
| Tier 1 risk-based capital ratio | 14.3754% | 4,166 |
| Total risk-based capital ratio | 15.4829% | 4,214 |
| Memoranda: | ||
| Average total assets | $43,464,750 | 6,259 |
| Average earning assets | $37,465,000 | 6,311 |
| Average equity | $3,796,750 | 6,451 |
| Average total loans | $18,629,250 | 6,333 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4945% | 5,709 |
| Cost of funding earning assets | 0.4293% | 4,668 |
| Net interest margin | 3.0653% | 5,378 |
| Noninterest income to average assets | 0.2448% | 5,702 |
| Noninterest expense to average assets | 2.0056% | 6,036 |
| Loan and lease loss provision to assets | -0.6262% | 6,888 |
| Net operating income to assets | 1.4736% | 947 |
| Return on assets (ROA) | 1.4736% | 1,021 |
| Pretax return on assets | 1.4877% | 1,656 |
| Return on Equity (ROE) | 16.6371% | 589 |
| Retained earnings to average equity (ytd only) | 8.6641% | 1,241 |
| Net charge-offs to loans | -1.4508% | 6,888 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9507% | 3,834 |
| Assets per employee ($millions) | 5.1355% | 1,955 |
| Cash dividends to net income (ytd only)* | 47.9233% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6586% | 2,942 |
| Loan loss allowance to noncurrent loans | 857.1429% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.5550% | 4,870 |
| Noncurrent loans to loans | 0.1935% | 5,826 |
| Net loans and leases to total assets | 43.2942% | 5,801 |
| Net loans and leases to deposits | 47.7081% | 6,000 |
| Net loans and leases to core deposits | 48.5056% | 6,109 |
| Total domestic deposits to total assets | 90.7482% | 648 |
| Equity capital to assets | 8.9792% | 5,239 |
| Core capital (leverage) ratio | 8.6896% | 5,438 |
| Tier 1 risk-based capital ratio | 14.6448% | 4,003 |
| Total risk-based capital ratio | 15.8139% | 4,029 |
| Memoranda: | ||
| Average total assets | $42,481,670 | 6,331 |
| Average earning assets | $36,342,330 | 6,388 |
| Average equity | $3,762,670 | 6,502 |
| Average total loans | $18,334,330 | 6,386 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3873% | 5,973 |
| Cost of funding earning assets | 0.4313% | 4,790 |
| Net interest margin | 2.9560% | 5,689 |
| Noninterest income to average assets | 0.2131% | 5,957 |
| Noninterest expense to average assets | 2.1121% | 5,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6577% | 3,910 |
| Return on assets (ROA) | 0.6577% | 4,074 |
| Pretax return on assets | 0.7040% | 4,560 |
| Return on Equity (ROE) | 7.4747% | 3,230 |
| Retained earnings to average equity (ytd only) | 7.4747% | 1,952 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 3,099 |
| Assets per employee ($millions) | 5.5511% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7849% | 2,671 |
| Loan loss allowance to noncurrent loans | 476.1905% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 4,949 |
| Noncurrent loans to loans | 0.3748% | 5,467 |
| Net loans and leases to total assets | 37.1726% | 6,208 |
| Net loans and leases to deposits | 40.7786% | 6,387 |
| Net loans and leases to core deposits | 41.4316% | 6,421 |
| Total domestic deposits to total assets | 91.1572% | 462 |
| Equity capital to assets | 8.6311% | 5,879 |
| Core capital (leverage) ratio | 8.3396% | 5,777 |
| Tier 1 risk-based capital ratio | 14.1473% | 4,398 |
| Total risk-based capital ratio | 15.3051% | 4,426 |
| Memoranda: | ||
| Average total assets | $43,180,500 | 6,369 |
| Average earning assets | $38,024,500 | 6,403 |
| Average equity | $3,799,500 | 6,555 |
| Average total loans | $18,458,000 | 6,430 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8916% | 5,593 |
| Cost of funding earning assets | 0.4991% | 5,226 |
| Net interest margin | 3.3925% | 4,913 |
| Noninterest income to average assets | 0.1306% | 6,386 |
| Noninterest expense to average assets | 2.0649% | 6,199 |
| Loan and lease loss provision to assets | 0.1499% | 3,731 |
| Net operating income to assets | 0.7931% | 3,317 |
| Return on assets (ROA) | 0.7931% | 3,565 |
| Pretax return on assets | 0.8414% | 4,148 |
| Return on Equity (ROE) | 9.1830% | 2,543 |
| Retained earnings to average equity (ytd only) | 9.1830% | 767 |
| Net charge-offs to loans | 0.3232% | 3,034 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 6.6129% | 2,777 |
| Efficiency ratio | 67.5633% | 4,225 |
| Assets per employee ($millions) | 5.2440% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 3,781 |
| Loan loss allowance to noncurrent loans | 476.1905% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.6102% | 4,951 |
| Noncurrent loans to loans | 0.3133% | 5,703 |
| Net loans and leases to total assets | 47.2159% | 5,485 |
| Net loans and leases to deposits | 52.0018% | 5,808 |
| Net loans and leases to core deposits | 52.3689% | 5,991 |
| Total domestic deposits to total assets | 90.7966% | 568 |
| Equity capital to assets | 8.9769% | 5,547 |
| Core capital (leverage) ratio | 8.5293% | 5,570 |
| Tier 1 risk-based capital ratio | 12.7595% | 5,286 |
| Total risk-based capital ratio | 13.8243% | 5,376 |
| Memoranda: | ||
| Average total assets | $41,357,600 | 6,455 |
| Average earning assets | $35,666,400 | 6,509 |
| Average equity | $3,571,800 | 6,673 |
| Average total loans | $19,184,000 | 6,456 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8959% | 5,795 |
| Cost of funding earning assets | 0.5132% | 5,352 |
| Net interest margin | 3.3827% | 5,088 |
| Noninterest income to average assets | 0.1068% | 6,597 |
| Noninterest expense to average assets | 2.1095% | 6,142 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8542% | 3,192 |
| Return on assets (ROA) | 0.8542% | 3,443 |
| Pretax return on assets | 0.9189% | 4,033 |
| Return on Equity (ROE) | 9.9905% | 2,350 |
| Retained earnings to average equity (ytd only) | 9.9905% | 918 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6581% | 3,757 |
| Assets per employee ($millions) | 5.3576% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 3,774 |
| Loan loss allowance to noncurrent loans | 241.9355% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.7396% | 4,839 |
| Noncurrent loans to loans | 0.6363% | 5,171 |
| Net loans and leases to total assets | 44.7656% | 5,897 |
| Net loans and leases to deposits | 49.2770% | 6,167 |
| Net loans and leases to core deposits | 49.6160% | 6,303 |
| Total domestic deposits to total assets | 90.8448% | 455 |
| Equity capital to assets | 8.6909% | 6,112 |
| Core capital (leverage) ratio | 8.9370% | 5,145 |
| Tier 1 risk-based capital ratio | 12.6754% | 5,499 |
| Total risk-based capital ratio | 13.7524% | 5,601 |
| Memoranda: | ||
| Average total assets | $41,209,000 | 6,542 |
| Average earning assets | $35,591,750 | 6,594 |
| Average equity | $3,523,250 | 6,763 |
| Average total loans | $18,953,000 | 6,552 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8978% | 5,925 |
| Cost of funding earning assets | 0.5544% | 5,271 |
| Net interest margin | 3.3434% | 5,293 |
| Noninterest income to average assets | 0.1033% | 6,662 |
| Noninterest expense to average assets | 2.2086% | 5,985 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7182% | 3,767 |
| Return on assets (ROA) | 0.7182% | 4,037 |
| Pretax return on assets | 0.7723% | 4,569 |
| Return on Equity (ROE) | 8.4491% | 3,044 |
| Retained earnings to average equity (ytd only) | 8.4491% | 1,462 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0924% | 3,059 |
| Assets per employee ($millions) | 5.4893% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 3,780 |
| Loan loss allowance to noncurrent loans | 241.9355% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.8250% | 4,743 |
| Noncurrent loans to loans | 0.6408% | 5,230 |
| Net loans and leases to total assets | 49.5823% | 5,411 |
| Net loans and leases to deposits | 54.9144% | 5,778 |
| Net loans and leases to core deposits | 55.3387% | 5,996 |
| Total domestic deposits to total assets | 90.2902% | 770 |
| Equity capital to assets | 9.3012% | 5,313 |
| Core capital (leverage) ratio | 8.7091% | 5,364 |
| Tier 1 risk-based capital ratio | 12.9594% | 5,210 |
| Total risk-based capital ratio | 14.0986% | 5,274 |
| Memoranda: | ||
| Average total assets | $40,658,330 | 6,611 |
| Average earning assets | $34,994,330 | 6,658 |
| Average equity | $3,456,000 | 6,820 |
| Average total loans | $18,775,000 | 6,612 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8152% | 6,215 |
| Cost of funding earning assets | 0.5706% | 5,357 |
| Net interest margin | 3.2446% | 5,643 |
| Noninterest income to average assets | 0.0670% | 6,867 |
| Noninterest expense to average assets | 2.6810% | 4,501 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1532% | 6,112 |
| Return on assets (ROA) | 0.1532% | 6,242 |
| Pretax return on assets | 0.1628% | 6,267 |
| Return on Equity (ROE) | 1.8840% | 6,106 |
| Retained earnings to average equity (ytd only) | 1.8840% | 5,304 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2761% | 807 |
| Assets per employee ($millions) | 5.8901% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7123% | 3,300 |
| Loan loss allowance to noncurrent loans | 230.7692% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.8028% | 4,938 |
| Noncurrent loans to loans | 0.7420% | 5,183 |
| Net loans and leases to total assets | 41.7647% | 6,214 |
| Net loans and leases to deposits | 45.6764% | 6,456 |
| Net loans and leases to core deposits | 46.0010% | 6,568 |
| Total domestic deposits to total assets | 91.4361% | 393 |
| Equity capital to assets | 8.2705% | 6,292 |
| Core capital (leverage) ratio | 8.0448% | 6,214 |
| Tier 1 risk-based capital ratio | 12.8887% | 5,292 |
| Total risk-based capital ratio | 14.0664% | 5,327 |
| Memoranda: | ||
| Average total assets | $41,775,000 | 6,614 |
| Average earning assets | $35,752,000 | 6,680 |
| Average equity | $3,397,000 | 6,873 |
| Average total loans | $18,486,500 | 6,686 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2963% | 5,772 |
| Cost of funding earning assets | 0.7341% | 5,317 |
| Net interest margin | 3.5622% | 4,885 |
| Noninterest income to average assets | 0.1450% | 6,423 |
| Noninterest expense to average assets | 2.1599% | 6,362 |
| Loan and lease loss provision to assets | 0.2253% | 3,952 |
| Net operating income to assets | 0.7640% | 3,196 |
| Return on assets (ROA) | 0.7640% | 3,364 |
| Pretax return on assets | 0.8261% | 3,884 |
| Return on Equity (ROE) | 9.1952% | 2,366 |
| Retained earnings to average equity (ytd only) | 9.1952% | 749 |
| Net charge-offs to loans | 0.4479% | 3,191 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 3,022 |
| Efficiency ratio | 67.2581% | 4,528 |
| Assets per employee ($millions) | 6.0456% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5422% | 3,821 |
| Loan loss allowance to noncurrent loans | 230.7692% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.9925% | 4,621 |
| Noncurrent loans to loans | 0.6683% | 5,366 |
| Net loans and leases to total assets | 45.2586% | 6,082 |
| Net loans and leases to deposits | 49.3596% | 6,413 |
| Net loans and leases to core deposits | 49.7003% | 6,544 |
| Total domestic deposits to total assets | 91.6917% | 285 |
| Equity capital to assets | 7.9964% | 6,575 |
| Core capital (leverage) ratio | 8.2889% | 5,869 |
| Tier 1 risk-based capital ratio | 12.0589% | 5,795 |
| Total risk-based capital ratio | 13.1662% | 5,867 |
| Memoranda: | ||
| Average total assets | $38,613,200 | 6,718 |
| Average earning assets | $33,238,000 | 6,773 |
| Average equity | $3,208,200 | 6,961 |
| Average total loans | $19,422,800 | 6,685 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 5,675 |
| Cost of funding earning assets | 0.7869% | 5,237 |
| Net interest margin | 3.5927% | 4,802 |
| Noninterest income to average assets | 0.1309% | 6,599 |
| Noninterest expense to average assets | 2.1510% | 6,393 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9906% | 2,364 |
| Return on assets (ROA) | 0.9906% | 2,512 |
| Pretax return on assets | 1.0649% | 3,149 |
| Return on Equity (ROE) | 11.7981% | 1,594 |
| Retained earnings to average equity (ytd only) | 11.7981% | 517 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8867% | 4,545 |
| Assets per employee ($millions) | 4.9525% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 4,273 |
| Loan loss allowance to noncurrent loans | 111.9403% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 1.2822% | 4,244 |
| Noncurrent loans to loans | 1.3071% | 4,351 |
| Net loans and leases to total assets | 50.9944% | 5,581 |
| Net loans and leases to deposits | 56.0895% | 6,029 |
| Net loans and leases to core deposits | 56.5020% | 6,275 |
| Total domestic deposits to total assets | 90.9162% | 461 |
| Equity capital to assets | 8.5386% | 6,260 |
| Core capital (leverage) ratio | 8.8787% | 5,142 |
| Tier 1 risk-based capital ratio | 12.2560% | 5,696 |
| Total risk-based capital ratio | 13.3866% | 5,783 |
| Memoranda: | ||
| Average total assets | $37,686,750 | 6,808 |
| Average earning assets | $32,360,750 | 6,856 |
| Average equity | $3,164,250 | 7,034 |
| Average total loans | $19,415,250 | 6,753 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2961% | 6,033 |
| Cost of funding earning assets | 0.8168% | 5,263 |
| Net interest margin | 3.4793% | 5,253 |
| Noninterest income to average assets | 0.1350% | 6,649 |
| Noninterest expense to average assets | 2.3163% | 6,077 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7721% | 3,193 |
| Return on assets (ROA) | 0.7721% | 3,325 |
| Pretax return on assets | 0.8315% | 3,906 |
| Return on Equity (ROE) | 9.2517% | 2,408 |
| Retained earnings to average equity (ytd only) | 9.2517% | 1,032 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5849% | 3,443 |
| Assets per employee ($millions) | 4.5084% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 3,878 |
| Loan loss allowance to noncurrent loans | 112.3596% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 1.4057% | 4,113 |
| Noncurrent loans to loans | 1.3847% | 4,332 |
| Net loans and leases to total assets | 52.6298% | 5,484 |
| Net loans and leases to deposits | 58.0951% | 5,927 |
| Net loans and leases to core deposits | 58.5665% | 6,228 |
| Total domestic deposits to total assets | 90.5925% | 681 |
| Equity capital to assets | 8.9361% | 5,670 |
| Core capital (leverage) ratio | 8.4436% | 5,640 |
| Tier 1 risk-based capital ratio | 12.6011% | 5,256 |
| Total risk-based capital ratio | 13.8147% | 5,251 |
| Memoranda: | ||
| Average total assets | $37,042,330 | 6,884 |
| Average earning assets | $32,075,670 | 6,933 |
| Average equity | $3,091,330 | 7,109 |
| Average total loans | $19,052,330 | 6,834 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1704% | 6,347 |
| Cost of funding earning assets | 0.8242% | 5,438 |
| Net interest margin | 3.3461% | 5,621 |
| Noninterest income to average assets | 0.1812% | 6,424 |
| Noninterest expense to average assets | 2.2915% | 6,209 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7354% | 3,343 |
| Return on assets (ROA) | 0.7354% | 3,410 |
| Pretax return on assets | 0.7887% | 3,945 |
| Return on Equity (ROE) | 9.1225% | 2,423 |
| Retained earnings to average equity (ytd only) | 9.1225% | 1,344 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3945% | 3,446 |
| Assets per employee ($millions) | 4.8650% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6310% | 3,599 |
| Loan loss allowance to noncurrent loans | 112.3596% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 1.4954% | 4,011 |
| Noncurrent loans to loans | 1.4516% | 4,292 |
| Net loans and leases to total assets | 46.4902% | 6,242 |
| Net loans and leases to deposits | 50.6636% | 6,576 |
| Net loans and leases to core deposits | 51.0395% | 6,727 |
| Total domestic deposits to total assets | 91.7626% | 350 |
| Equity capital to assets | 7.8700% | 6,621 |
| Core capital (leverage) ratio | 8.2376% | 5,924 |
| Tier 1 risk-based capital ratio | 12.4427% | 5,315 |
| Total risk-based capital ratio | 13.6702% | 5,318 |
| Memoranda: | ||
| Average total assets | $37,530,000 | 6,923 |
| Average earning assets | $32,515,000 | 6,972 |
| Average equity | $3,025,500 | 7,163 |
| Average total loans | $18,937,500 | 6,890 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6075% | 6,090 |
| Cost of funding earning assets | 0.9787% | 5,790 |
| Net interest margin | 3.6288% | 4,679 |
| Noninterest income to average assets | 0.2229% | 6,210 |
| Noninterest expense to average assets | 2.2263% | 6,549 |
| Loan and lease loss provision to assets | 0.8465% | 1,936 |
| Net operating income to assets | 0.3442% | 4,771 |
| Return on assets (ROA) | 0.3442% | 4,930 |
| Pretax return on assets | 0.3725% | 5,021 |
| Return on Equity (ROE) | 3.9745% | 4,541 |
| Retained earnings to average equity (ytd only) | 3.9745% | 3,087 |
| Net charge-offs to loans | 1.7607% | 1,207 |
| Credit loss provision to net charge-offs | 85.7143% | 5,304 |
| Earnings coverage of net charge-offs (x) | 1.2343% | 4,869 |
| Efficiency ratio | 64.6192% | 5,240 |
| Assets per employee ($millions) | 4.5175% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 3,820 |
| Loan loss allowance to noncurrent loans | 109.0909% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 1.6325% | 3,858 |
| Noncurrent loans to loans | 1.4116% | 4,363 |
| Net loans and leases to total assets | 53.0742% | 5,769 |
| Net loans and leases to deposits | 58.1207% | 6,240 |
| Net loans and leases to core deposits | 58.5876% | 6,510 |
| Total domestic deposits to total assets | 91.3171% | 452 |
| Equity capital to assets | 8.2678% | 6,183 |
| Core capital (leverage) ratio | 8.2318% | 5,786 |
| Tier 1 risk-based capital ratio | 11.6948% | 5,732 |
| Total risk-based capital ratio | 12.8753% | 5,801 |
| Memoranda: | ||
| Average total assets | $35,440,200 | 7,026 |
| Average earning assets | $31,470,200 | 7,038 |
| Average equity | $3,069,600 | 7,256 |
| Average total loans | $19,878,800 | 6,931 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6535% | 6,180 |
| Cost of funding earning assets | 0.9844% | 6,013 |
| Net interest margin | 3.6691% | 4,545 |
| Noninterest income to average assets | 0.2495% | 6,106 |
| Noninterest expense to average assets | 2.2420% | 6,486 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1758% | 1,656 |
| Return on assets (ROA) | 1.1758% | 1,752 |
| Pretax return on assets | 1.2628% | 2,288 |
| Return on Equity (ROE) | 13.4194% | 1,156 |
| Retained earnings to average equity (ytd only) | 13.4194% | 309 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9698% | 5,245 |
| Assets per employee ($millions) | 4.8198% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7610% | 2,932 |
| Loan loss allowance to noncurrent loans | 55.9105% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 2.4431% | 2,926 |
| Noncurrent loans to loans | 3.1497% | 2,531 |
| Net loans and leases to total assets | 50.6380% | 6,258 |
| Net loans and leases to deposits | 55.6807% | 6,636 |
| Net loans and leases to core deposits | 56.0967% | 6,848 |
| Total domestic deposits to total assets | 90.9435% | 471 |
| Equity capital to assets | 8.4211% | 6,367 |
| Core capital (leverage) ratio | 8.8733% | 4,887 |
| Tier 1 risk-based capital ratio | 12.1419% | 5,323 |
| Total risk-based capital ratio | 13.3937% | 5,287 |
| Memoranda: | ||
| Average total assets | $35,265,250 | 7,118 |
| Average earning assets | $31,287,750 | 7,127 |
| Average equity | $3,090,000 | 7,341 |
| Average total loans | $19,978,250 | 7,012 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 6,151 |
| Cost of funding earning assets | 1.0137% | 6,079 |
| Net interest margin | 3.6843% | 4,433 |
| Noninterest income to average assets | 0.2810% | 5,899 |
| Noninterest expense to average assets | 2.3063% | 6,335 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1824% | 1,605 |
| Return on assets (ROA) | 1.1824% | 1,674 |
| Pretax return on assets | 1.2936% | 2,105 |
| Return on Equity (ROE) | 13.2997% | 1,177 |
| Retained earnings to average equity (ytd only) | 13.2997% | 351 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0650% | 5,327 |
| Assets per employee ($millions) | 4.8186% | 2,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7249% | 2,979 |
| Loan loss allowance to noncurrent loans | 55.9105% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 2.8017% | 2,580 |
| Noncurrent loans to loans | 3.0851% | 2,606 |
| Net loans and leases to total assets | 59.1195% | 5,224 |
| Net loans and leases to deposits | 65.6062% | 5,859 |
| Net loans and leases to core deposits | 66.1722% | 6,232 |
| Total domestic deposits to total assets | 90.1127% | 864 |
| Equity capital to assets | 9.3270% | 4,971 |
| Core capital (leverage) ratio | 8.9818% | 4,631 |
| Tier 1 risk-based capital ratio | 12.1368% | 5,183 |
| Total risk-based capital ratio | 13.3532% | 5,190 |
| Memoranda: | ||
| Average total assets | $34,167,670 | 7,204 |
| Average earning assets | $30,779,330 | 7,200 |
| Average equity | $3,037,670 | 7,405 |
| Average total loans | $20,012,670 | 7,066 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6976% | 6,248 |
| Cost of funding earning assets | 1.0296% | 6,231 |
| Net interest margin | 3.6680% | 4,400 |
| Noninterest income to average assets | 0.3373% | 5,445 |
| Noninterest expense to average assets | 2.3498% | 6,250 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2098% | 1,517 |
| Return on assets (ROA) | 1.2098% | 1,588 |
| Pretax return on assets | 1.3028% | 2,039 |
| Return on Equity (ROE) | 13.9434% | 1,060 |
| Retained earnings to average equity (ytd only) | 13.9434% | 516 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3312% | 5,431 |
| Assets per employee ($millions) | 4.9354% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7993% | 2,733 |
| Loan loss allowance to noncurrent loans | 55.9105% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 2.7440% | 2,650 |
| Noncurrent loans to loans | 3.2182% | 2,479 |
| Net loans and leases to total assets | 55.2912% | 5,847 |
| Net loans and leases to deposits | 60.9217% | 6,373 |
| Net loans and leases to core deposits | 61.4311% | 6,645 |
| Total domestic deposits to total assets | 90.7578% | 627 |
| Equity capital to assets | 8.7936% | 5,563 |
| Core capital (leverage) ratio | 8.6568% | 5,101 |
| Tier 1 risk-based capital ratio | 11.9878% | 5,206 |
| Total risk-based capital ratio | 13.2414% | 5,164 |
| Memoranda: | ||
| Average total assets | $34,386,500 | 7,287 |
| Average earning assets | $31,080,000 | 7,279 |
| Average equity | $2,983,500 | 7,499 |
| Average total loans | $19,873,500 | 7,158 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0308% | 6,335 |
| Cost of funding earning assets | 1.3763% | 6,030 |
| Net interest margin | 3.6544% | 4,333 |
| Noninterest income to average assets | 0.1764% | 6,819 |
| Noninterest expense to average assets | 2.9528% | 4,332 |
| Loan and lease loss provision to assets | 1.2681% | 1,822 |
| Net operating income to assets | -0.6933% | 6,361 |
| Return on assets (ROA) | -0.6933% | 6,354 |
| Pretax return on assets | -0.7420% | 6,226 |
| Return on Equity (ROE) | -8.1029% | 6,475 |
| Retained earnings to average equity (ytd only) | -10.7684% | 6,576 |
| Net charge-offs to loans | 2.3550% | 980 |
| Credit loss provision to net charge-offs | 89.2934% | 6,022 |
| Earnings coverage of net charge-offs (x) | 0.3704% | 5,744 |
| Efficiency ratio | 84.8776% | 2,250 |
| Assets per employee ($millions) | 4.8893% | 2,352 |
| Cash dividends to net income (ytd only)* | -32.8947% | 7,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7246% | 2,814 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 2.1066% | 3,262 |
| Noncurrent loans to loans | 1.9709% | 3,688 |
| Net loans and leases to total assets | 58.2761% | 5,614 |
| Net loans and leases to deposits | 64.0700% | 6,257 |
| Net loans and leases to core deposits | 74.6500% | 6,495 |
| Total domestic deposits to total assets | 90.9569% | 548 |
| Equity capital to assets | 8.5581% | 5,797 |
| Core capital (leverage) ratio | 8.8323% | 4,718 |
| Tier 1 risk-based capital ratio | 11.4329% | 5,472 |
| Total risk-based capital ratio | 12.6845% | 5,428 |
| Memoranda: | ||
| Average total assets | $32,884,200 | 7,367 |
| Average earning assets | $29,717,200 | 7,370 |
| Average equity | $2,813,800 | 7,642 |
| Average total loans | $19,829,800 | 7,202 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0380% | 6,482 |
| Cost of funding earning assets | 1.4524% | 6,027 |
| Net interest margin | 3.5856% | 4,536 |
| Noninterest income to average assets | 0.1966% | 6,808 |
| Noninterest expense to average assets | 2.4537% | 6,235 |
| Loan and lease loss provision to assets | 0.7169% | 2,584 |
| Net operating income to assets | 0.2458% | 5,006 |
| Return on assets (ROA) | 0.2458% | 5,086 |
| Pretax return on assets | 0.2622% | 5,163 |
| Return on Equity (ROE) | 2.8725% | 4,848 |
| Retained earnings to average equity (ytd only) | -0.7181% | 5,409 |
| Net charge-offs to loans | 1.1836% | 1,714 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 1.3657% | 4,761 |
| Efficiency ratio | 71.4797% | 4,331 |
| Assets per employee ($millions) | 4.6167% | 2,679 |
| Cash dividends to net income (ytd only)* | 125.0000% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0679% | 1,657 |
| Loan loss allowance to noncurrent loans | 45.1467% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 3.7596% | 1,728 |
| Noncurrent loans to loans | 4.5805% | 1,510 |
| Net loans and leases to total assets | 58.6162% | 5,789 |
| Net loans and leases to deposits | 64.9378% | 6,411 |
| Net loans and leases to core deposits | 77.7021% | 6,514 |
| Total domestic deposits to total assets | 90.2652% | 678 |
| Equity capital to assets | 8.8158% | 5,761 |
| Core capital (leverage) ratio | 8.2555% | 5,913 |
| Tier 1 risk-based capital ratio | 11.4902% | 5,437 |
| Total risk-based capital ratio | 12.7442% | 5,384 |
| Memoranda: | ||
| Average total assets | $32,549,000 | 7,439 |
| Average earning assets | $29,375,750 | 7,444 |
| Average equity | $2,785,000 | 7,722 |
| Average total loans | $19,713,500 | 7,275 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1205% | 6,351 |
| Cost of funding earning assets | 1.5109% | 6,094 |
| Net interest margin | 3.6097% | 4,324 |
| Noninterest income to average assets | 0.2513% | 6,487 |
| Noninterest expense to average assets | 2.4214% | 6,398 |
| Loan and lease loss provision to assets | 0.8276% | 2,026 |
| Net operating income to assets | 0.2268% | 5,167 |
| Return on assets (ROA) | 0.2268% | 5,255 |
| Pretax return on assets | 0.2391% | 5,354 |
| Return on Equity (ROE) | 2.6776% | 5,024 |
| Retained earnings to average equity (ytd only) | -2.7500% | 5,924 |
| Net charge-offs to loans | 1.3611% | 1,373 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 1.2889% | 4,557 |
| Efficiency ratio | 69.4200% | 4,898 |
| Assets per employee ($millions) | 4.7266% | 2,432 |
| Cash dividends to net income (ytd only)* | 202.7027% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9760% | 1,620 |
| Loan loss allowance to noncurrent loans | 51.0856% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 2.9680% | 2,144 |
| Noncurrent loans to loans | 3.8680% | 1,757 |
| Net loans and leases to total assets | 59.9740% | 5,681 |
| Net loans and leases to deposits | 65.8733% | 6,407 |
| Net loans and leases to core deposits | 78.3441% | 6,526 |
| Total domestic deposits to total assets | 91.0446% | 439 |
| Equity capital to assets | 8.2089% | 6,475 |
| Core capital (leverage) ratio | 7.8684% | 6,532 |
| Tier 1 risk-based capital ratio | 11.0702% | 5,806 |
| Total risk-based capital ratio | 12.3275% | 5,720 |
| Memoranda: | ||
| Average total assets | $32,626,330 | 7,503 |
| Average earning assets | $29,254,670 | 7,517 |
| Average equity | $2,763,670 | 7,800 |
| Average total loans | $19,837,000 | 7,335 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2604% | 6,068 |
| Cost of funding earning assets | 1.5536% | 6,221 |
| Net interest margin | 3.7068% | 3,866 |
| Noninterest income to average assets | 0.1111% | 7,481 |
| Noninterest expense to average assets | 2.3706% | 6,291 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0248% | 2,209 |
| Return on assets (ROA) | 1.0248% | 2,352 |
| Pretax return on assets | 1.0989% | 2,992 |
| Return on Equity (ROE) | 11.9103% | 1,690 |
| Retained earnings to average equity (ytd only) | 11.9103% | 806 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3274% | 4,903 |
| Assets per employee ($millions) | 4.6557% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0947% | 1,244 |
| Loan loss allowance to noncurrent loans | 125.7862% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 1.5864% | 3,544 |
| Noncurrent loans to loans | 1.6653% | 3,772 |
| Net loans and leases to total assets | 57.3673% | 6,044 |
| Net loans and leases to deposits | 63.2969% | 6,627 |
| Net loans and leases to core deposits | 74.2288% | 6,797 |
| Total domestic deposits to total assets | 90.6321% | 544 |
| Equity capital to assets | 8.6806% | 5,798 |
| Core capital (leverage) ratio | 8.1052% | 6,278 |
| Tier 1 risk-based capital ratio | 12.1003% | 4,871 |
| Total risk-based capital ratio | 13.3563% | 4,770 |
| Memoranda: | ||
| Average total assets | $32,396,500 | 7,552 |
| Average earning assets | $29,351,500 | 7,549 |
| Average equity | $2,787,500 | 7,838 |
| Average total loans | $19,634,000 | 7,393 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3037% | 3,945 |
| Cost of funding earning assets | 2.3254% | 5,036 |
| Net interest margin | 3.9783% | 3,223 |
| Noninterest income to average assets | 0.2023% | 7,004 |
| Noninterest expense to average assets | 2.2602% | 6,809 |
| Loan and lease loss provision to assets | 0.9375% | 1,579 |
| Net operating income to assets | 0.5843% | 4,371 |
| Return on assets (ROA) | 0.5843% | 4,240 |
| Pretax return on assets | 0.6132% | 4,654 |
| Return on Equity (ROE) | 6.7124% | 3,668 |
| Retained earnings to average equity (ytd only) | 1.1802% | 4,526 |
| Net charge-offs to loans | 0.5936% | 2,050 |
| Credit loss provision to net charge-offs | 249.5726% | 1,869 |
| Earnings coverage of net charge-offs (x) | 4.1282% | 4,094 |
| Efficiency ratio | 59.3092% | 6,473 |
| Assets per employee ($millions) | 4.6004% | 2,472 |
| Cash dividends to net income (ytd only)* | 82.4176% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9829% | 1,256 |
| Loan loss allowance to noncurrent loans | 125.7862% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 1.6054% | 3,040 |
| Noncurrent loans to loans | 1.5764% | 3,416 |
| Net loans and leases to total assets | 61.3980% | 5,713 |
| Net loans and leases to deposits | 67.6938% | 6,490 |
| Net loans and leases to core deposits | 79.1323% | 6,682 |
| Total domestic deposits to total assets | 90.6996% | 424 |
| Equity capital to assets | 8.5272% | 6,038 |
| Core capital (leverage) ratio | 7.9137% | 6,631 |
| Tier 1 risk-based capital ratio | 11.3410% | 5,400 |
| Total risk-based capital ratio | 12.5978% | 5,296 |
| Memoranda: | ||
| Average total assets | $31,147,600 | 7,597 |
| Average earning assets | $28,253,200 | 7,606 |
| Average equity | $2,711,400 | 7,925 |
| Average total loans | $19,709,600 | 7,345 |