Home > Bank of Holyrood > Performance and Condition Ratios
Bank of Holyrood, 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 | 4.9593% | 2,155 |
| Cost of funding earning assets | 1.4362% | 2,120 |
| Net interest margin | 3.5231% | 2,137 |
| Noninterest income to average assets | 0.0500% | 4,441 |
| Noninterest expense to average assets | 1.9309% | 3,771 |
| Loan and lease loss provision to assets | 0.3400% | 303 |
| Net operating income to assets | 1.0903% | 1,950 |
| Return on assets (ROA) | 1.1400% | 1,784 |
| Pretax return on assets | 1.1771% | 2,196 |
| Return on Equity (ROE) | 9.1400% | 2,722 |
| Retained earnings to average equity (ytd only) | 3.9995% | 2,962 |
| Net charge-offs to loans | 0.5637% | 176 |
| Credit loss provision to net charge-offs | 95.2381% | 1,898 |
| Earnings coverage of net charge-offs (x) | 4.0873% | 2,609 |
| Efficiency ratio | 56.8134% | 3,418 |
| Assets per employee ($millions) | 7.5987% | 1,659 |
| Cash dividends to net income (ytd only)* | 56.2500% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 945 |
| Loan loss allowance to noncurrent loans | 116.9154% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 1.2034% | 360 |
| Noncurrent loans to loans | 1.3241% | 524 |
| Net loans and leases to total assets | 65.5600% | 2,304 |
| Net loans and leases to deposits | 83.6802% | 1,810 |
| Net loans and leases to core deposits | 88.1607% | 2,169 |
| Total domestic deposits to total assets | 78.3500% | 3,687 |
| Equity capital to assets | 13.2509% | 813 |
| Core capital (leverage) ratio | 15.8683% | 503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0773% | 423 |
| Memoranda: | ||
| Average total assets | $70,173,400 | 4,108 |
| Average earning assets | $66,702,600 | 4,071 |
| Average equity | $8,751,200 | 3,845 |
| Average total loans | $44,705,200 | 3,918 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8645% | 2,137 |
| Cost of funding earning assets | 1.3539% | 1,994 |
| Net interest margin | 3.5106% | 2,185 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 1.7275% | 4,083 |
| Loan and lease loss provision to assets | 0.3400% | 262 |
| Net operating income to assets | 1.2907% | 1,566 |
| Return on assets (ROA) | 1.3292% | 1,458 |
| Pretax return on assets | 1.3688% | 1,847 |
| Return on Equity (ROE) | 10.8200% | 2,422 |
| Retained earnings to average equity (ytd only) | 6.2103% | 2,567 |
| Net charge-offs to loans | 0.6712% | 137 |
| Credit loss provision to net charge-offs | 80.3571% | 1,753 |
| Earnings coverage of net charge-offs (x) | 3.9464% | 2,423 |
| Efficiency ratio | 50.8616% | 3,846 |
| Assets per employee ($millions) | 7.5181% | 1,617 |
| Cash dividends to net income (ytd only)* | 42.6136% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 1,053 |
| Loan loss allowance to noncurrent loans | 153.5308% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.9739% | 542 |
| Noncurrent loans to loans | 0.9910% | 821 |
| Net loans and leases to total assets | 64.4700% | 2,390 |
| Net loans and leases to deposits | 74.3325% | 2,534 |
| Net loans and leases to core deposits | 81.5603% | 2,500 |
| Total domestic deposits to total assets | 86.7400% | 1,968 |
| Equity capital to assets | 12.5312% | 910 |
| Core capital (leverage) ratio | 15.8805% | 509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8269% | 356 |
| Memoranda: | ||
| Average total assets | $70,619,750 | 4,121 |
| Average earning assets | $67,261,500 | 4,088 |
| Average equity | $8,673,500 | 3,865 |
| Average total loans | $44,496,500 | 3,935 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6859% | 2,240 |
| Cost of funding earning assets | 1.2881% | 1,739 |
| Net interest margin | 3.3978% | 2,523 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 1.7429% | 4,095 |
| Loan and lease loss provision to assets | 0.3400% | 263 |
| Net operating income to assets | 1.1850% | 1,868 |
| Return on assets (ROA) | 1.2206% | 1,764 |
| Pretax return on assets | 1.2485% | 2,231 |
| Return on Equity (ROE) | 10.0000% | 2,697 |
| Retained earnings to average equity (ytd only) | 5.4244% | 2,815 |
| Net charge-offs to loans | 0.1077% | 646 |
| Credit loss provision to net charge-offs | 500.0000% | 646 |
| Earnings coverage of net charge-offs (x) | 23.0833% | 1,682 |
| Efficiency ratio | 52.9711% | 3,701 |
| Assets per employee ($millions) | 7.6604% | 1,499 |
| Cash dividends to net income (ytd only)* | 45.7666% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8316% | 565 |
| Loan loss allowance to noncurrent loans | 332.2449% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.8978% | 546 |
| Noncurrent loans to loans | 0.5513% | 1,353 |
| Net loans and leases to total assets | 63.2800% | 2,457 |
| Net loans and leases to deposits | 75.4779% | 2,366 |
| Net loans and leases to core deposits | 82.1369% | 2,325 |
| Total domestic deposits to total assets | 83.8400% | 2,859 |
| Equity capital to assets | 12.6407% | 901 |
| Core capital (leverage) ratio | 15.3200% | 550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3196% | 374 |
| Memoranda: | ||
| Average total assets | $71,605,333 | 4,130 |
| Average earning assets | $68,161,333 | 4,095 |
| Average equity | $8,738,333 | 3,873 |
| Average total loans | $44,562,333 | 3,941 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7648% | 1,707 |
| Cost of funding earning assets | 1.1696% | 1,535 |
| Net interest margin | 3.5952% | 2,143 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 1.6288% | 4,271 |
| Loan and lease loss provision to assets | 0.3300% | 250 |
| Net operating income to assets | 1.5191% | 1,149 |
| Return on assets (ROA) | 1.5466% | 1,079 |
| Pretax return on assets | 1.5520% | 1,573 |
| Return on Equity (ROE) | 12.8900% | 2,005 |
| Retained earnings to average equity (ytd only) | 12.8914% | 1,112 |
| Net charge-offs to loans | 0.0359% | 1,014 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 84.5000% | 873 |
| Efficiency ratio | 46.7717% | 4,174 |
| Assets per employee ($millions) | 8.0337% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7447% | 729 |
| Loan loss allowance to noncurrent loans | 212.3626% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.6307% | 796 |
| Noncurrent loans to loans | 0.8216% | 930 |
| Net loans and leases to total assets | 60.2100% | 2,627 |
| Net loans and leases to deposits | 68.8388% | 2,709 |
| Net loans and leases to core deposits | 77.6335% | 2,413 |
| Total domestic deposits to total assets | 87.4600% | 2,108 |
| Equity capital to assets | 12.2858% | 922 |
| Core capital (leverage) ratio | 14.6750% | 631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2043% | 387 |
| Memoranda: | ||
| Average total assets | $72,936,000 | 4,172 |
| Average earning assets | $69,426,000 | 4,140 |
| Average equity | $8,750,000 | 3,917 |
| Average total loans | $44,623,000 | 3,986 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3342% | 1,000 |
| Cost of funding earning assets | 0.5591% | 1,069 |
| Net interest margin | 3.7751% | 1,213 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 1.9745% | 3,652 |
| Loan and lease loss provision to assets | 0.4400% | 147 |
| Net operating income to assets | 1.1730% | 1,880 |
| Return on assets (ROA) | 1.1588% | 1,876 |
| Pretax return on assets | 1.2263% | 2,353 |
| Return on Equity (ROE) | 9.3400% | 3,020 |
| Retained earnings to average equity (ytd only) | 4.3410% | 3,287 |
| Net charge-offs to loans | 0.7989% | 84 |
| Credit loss provision to net charge-offs | 89.8876% | 1,634 |
| Earnings coverage of net charge-offs (x) | 3.4298% | 2,464 |
| Efficiency ratio | 53.9940% | 3,799 |
| Assets per employee ($millions) | 8.1743% | 1,240 |
| Cash dividends to net income (ytd only)* | 53.5077% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5977% | 983 |
| Loan loss allowance to noncurrent loans | 195.6403% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.6239% | 794 |
| Noncurrent loans to loans | 0.8166% | 907 |
| Net loans and leases to total assets | 60.1100% | 2,621 |
| Net loans and leases to deposits | 72.0345% | 2,404 |
| Net loans and leases to core deposits | 90.2895% | 1,488 |
| Total domestic deposits to total assets | 83.4500% | 3,319 |
| Equity capital to assets | 11.7128% | 1,018 |
| Core capital (leverage) ratio | 14.5864% | 622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6469% | 436 |
| Memoranda: | ||
| Average total assets | $72,576,800 | 4,208 |
| Average earning assets | $69,217,200 | 4,167 |
| Average equity | $9,007,200 | 3,991 |
| Average total loans | $44,560,000 | 3,986 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 830 |
| Cost of funding earning assets | 0.5127% | 712 |
| Net interest margin | 3.7220% | 1,087 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 1.8065% | 3,977 |
| Loan and lease loss provision to assets | 0.3300% | 200 |
| Net operating income to assets | 1.4115% | 1,055 |
| Return on assets (ROA) | 1.4010% | 1,059 |
| Pretax return on assets | 1.4673% | 1,506 |
| Return on Equity (ROE) | 11.1300% | 2,328 |
| Retained earnings to average equity (ytd only) | 6.7362% | 2,467 |
| Net charge-offs to loans | 0.4588% | 138 |
| Credit loss provision to net charge-offs | 117.6471% | 1,233 |
| Earnings coverage of net charge-offs (x) | 6.4183% | 2,108 |
| Efficiency ratio | 49.9490% | 4,166 |
| Assets per employee ($millions) | 7.9187% | 1,365 |
| Cash dividends to net income (ytd only)* | 39.4737% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7430% | 815 |
| Loan loss allowance to noncurrent loans | 210.2426% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.9541% | 477 |
| Noncurrent loans to loans | 0.8290% | 951 |
| Net loans and leases to total assets | 61.7000% | 2,326 |
| Net loans and leases to deposits | 69.8729% | 2,373 |
| Net loans and leases to core deposits | 75.4997% | 2,237 |
| Total domestic deposits to total assets | 88.3000% | 2,328 |
| Equity capital to assets | 11.6504% | 955 |
| Core capital (leverage) ratio | 14.0943% | 668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4746% | 408 |
| Memoranda: | ||
| Average total assets | $72,328,750 | 4,244 |
| Average earning assets | $69,172,500 | 4,202 |
| Average equity | $9,104,750 | 4,024 |
| Average total loans | $44,465,000 | 4,007 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0851% | 795 |
| Cost of funding earning assets | 0.5006% | 517 |
| Net interest margin | 3.5845% | 1,093 |
| Noninterest income to average assets | 0.0605% | 4,608 |
| Noninterest expense to average assets | 1.6703% | 4,179 |
| Loan and lease loss provision to assets | 0.3302% | 190 |
| Net operating income to assets | 1.4244% | 849 |
| Return on assets (ROA) | 1.4006% | 882 |
| Pretax return on assets | 1.4639% | 1,271 |
| Return on Equity (ROE) | 10.8621% | 2,028 |
| Retained earnings to average equity (ytd only) | 6.5941% | 2,137 |
| Net charge-offs to loans | 0.6581% | 93 |
| Credit loss provision to net charge-offs | 82.1918% | 1,380 |
| Earnings coverage of net charge-offs (x) | 4.5274% | 1,952 |
| Efficiency ratio | 47.8707% | 4,349 |
| Assets per employee ($millions) | 8.1524% | 1,227 |
| Cash dividends to net income (ytd only)* | 39.2927% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6216% | 1,102 |
| Loan loss allowance to noncurrent loans | 205.0704% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 875 |
| Noncurrent loans to loans | 0.7908% | 1,085 |
| Net loans and leases to total assets | 60.1933% | 2,303 |
| Net loans and leases to deposits | 68.1706% | 2,380 |
| Net loans and leases to core deposits | 78.3651% | 1,835 |
| Total domestic deposits to total assets | 88.2980% | 2,462 |
| Equity capital to assets | 11.6352% | 986 |
| Core capital (leverage) ratio | 14.3384% | 569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7558% | 435 |
| Memoranda: | ||
| Average total assets | $72,682,333 | 4,287 |
| Average earning assets | $69,521,333 | 4,252 |
| Average equity | $9,372,000 | 4,063 |
| Average total loans | $44,369,667 | 4,064 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0151% | 753 |
| Cost of funding earning assets | 0.4961% | 509 |
| Net interest margin | 3.5190% | 1,055 |
| Noninterest income to average assets | 0.0664% | 4,616 |
| Noninterest expense to average assets | 1.6644% | 4,189 |
| Loan and lease loss provision to assets | 0.3318% | 178 |
| Net operating income to assets | 1.3875% | 823 |
| Return on assets (ROA) | 1.3769% | 836 |
| Pretax return on assets | 1.4322% | 1,170 |
| Return on Equity (ROE) | 10.1742% | 1,898 |
| Retained earnings to average equity (ytd only) | 10.1742% | 980 |
| Net charge-offs to loans | 0.7527% | 93 |
| Credit loss provision to net charge-offs | 72.2892% | 1,130 |
| Earnings coverage of net charge-offs (x) | 3.8675% | 1,645 |
| Efficiency ratio | 48.3923% | 4,385 |
| Assets per employee ($millions) | 7.4628% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6458% | 1,163 |
| Loan loss allowance to noncurrent loans | 185.2792% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.6874% | 829 |
| Noncurrent loans to loans | 0.8883% | 1,044 |
| Net loans and leases to total assets | 58.4580% | 2,251 |
| Net loans and leases to deposits | 67.0190% | 2,240 |
| Net loans and leases to core deposits | 77.7439% | 1,635 |
| Total domestic deposits to total assets | 87.2260% | 2,844 |
| Equity capital to assets | 12.7204% | 755 |
| Core capital (leverage) ratio | 14.2778% | 543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0945% | 428 |
| Memoranda: | ||
| Average total assets | $72,337,500 | 4,315 |
| Average earning assets | $69,338,000 | 4,277 |
| Average equity | $9,789,500 | 4,078 |
| Average total loans | $44,108,000 | 4,076 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1928% | 1,002 |
| Cost of funding earning assets | 0.5848% | 589 |
| Net interest margin | 3.6080% | 1,443 |
| Noninterest income to average assets | 0.0631% | 4,697 |
| Noninterest expense to average assets | 1.9476% | 3,821 |
| Loan and lease loss provision to assets | 0.3729% | 187 |
| Net operating income to assets | 1.1367% | 2,154 |
| Return on assets (ROA) | 1.1789% | 2,060 |
| Pretax return on assets | 1.2377% | 2,557 |
| Return on Equity (ROE) | 8.1861% | 3,165 |
| Retained earnings to average equity (ytd only) | 4.2026% | 3,137 |
| Net charge-offs to loans | 0.5546% | 148 |
| Credit loss provision to net charge-offs | 107.4380% | 1,729 |
| Earnings coverage of net charge-offs (x) | 4.5124% | 2,489 |
| Efficiency ratio | 55.4286% | 3,769 |
| Assets per employee ($millions) | 7.0047% | 1,925 |
| Cash dividends to net income (ytd only)* | 48.6618% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7168% | 1,016 |
| Loan loss allowance to noncurrent loans | 120.6731% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.0607% | 502 |
| Noncurrent loans to loans | 1.4227% | 653 |
| Net loans and leases to total assets | 61.5401% | 1,994 |
| Net loans and leases to deposits | 71.9421% | 1,918 |
| Net loans and leases to core deposits | 84.8012% | 1,277 |
| Total domestic deposits to total assets | 85.5411% | 3,072 |
| Equity capital to assets | 14.3989% | 599 |
| Core capital (leverage) ratio | 14.1956% | 588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4653% | 420 |
| Memoranda: | ||
| Average total assets | $69,725,200 | 4,344 |
| Average earning assets | $66,685,200 | 4,305 |
| Average equity | $10,041,400 | 4,122 |
| Average total loans | $43,637,600 | 4,117 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2650% | 1,015 |
| Cost of funding earning assets | 0.6027% | 633 |
| Net interest margin | 3.6623% | 1,425 |
| Noninterest income to average assets | 0.0632% | 4,771 |
| Noninterest expense to average assets | 1.9336% | 3,853 |
| Loan and lease loss provision to assets | 0.3834% | 172 |
| Net operating income to assets | 1.1885% | 2,205 |
| Return on assets (ROA) | 1.2176% | 2,165 |
| Pretax return on assets | 1.2788% | 2,678 |
| Return on Equity (ROE) | 8.4542% | 3,269 |
| Retained earnings to average equity (ytd only) | 4.4664% | 3,421 |
| Net charge-offs to loans | 0.5568% | 139 |
| Credit loss provision to net charge-offs | 109.8901% | 1,519 |
| Earnings coverage of net charge-offs (x) | 4.6813% | 2,252 |
| Efficiency ratio | 54.2427% | 3,772 |
| Assets per employee ($millions) | 8.0209% | 1,260 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7441% | 1,020 |
| Loan loss allowance to noncurrent loans | 123.4426% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 1.0168% | 644 |
| Noncurrent loans to loans | 1.4129% | 752 |
| Net loans and leases to total assets | 58.7646% | 2,400 |
| Net loans and leases to deposits | 68.4276% | 2,404 |
| Net loans and leases to core deposits | 82.1762% | 1,557 |
| Total domestic deposits to total assets | 85.8785% | 2,791 |
| Equity capital to assets | 14.0633% | 725 |
| Core capital (leverage) ratio | 14.0078% | 639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8795% | 434 |
| Memoranda: | ||
| Average total assets | $69,644,750 | 4,401 |
| Average earning assets | $66,586,250 | 4,360 |
| Average equity | $10,030,250 | 4,182 |
| Average total loans | $43,582,000 | 4,175 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4778% | 752 |
| Cost of funding earning assets | 0.6301% | 641 |
| Net interest margin | 3.8477% | 1,072 |
| Noninterest income to average assets | 0.0640% | 4,806 |
| Noninterest expense to average assets | 1.7821% | 4,224 |
| Loan and lease loss provision to assets | 0.3489% | 216 |
| Net operating income to assets | 1.5338% | 1,206 |
| Return on assets (ROA) | 1.5669% | 1,188 |
| Pretax return on assets | 1.6425% | 1,631 |
| Return on Equity (ROE) | 10.7912% | 2,502 |
| Retained earnings to average equity (ytd only) | 6.7870% | 2,506 |
| Net charge-offs to loans | 0.6450% | 121 |
| Credit loss provision to net charge-offs | 85.1064% | 1,461 |
| Earnings coverage of net charge-offs (x) | 4.7730% | 2,018 |
| Efficiency ratio | 47.6672% | 4,413 |
| Assets per employee ($millions) | 7.7144% | 1,355 |
| Cash dividends to net income (ytd only)* | 37.1058% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6391% | 1,195 |
| Loan loss allowance to noncurrent loans | 108.0182% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 1.2214% | 552 |
| Noncurrent loans to loans | 1.5174% | 745 |
| Net loans and leases to total assets | 61.7125% | 2,208 |
| Net loans and leases to deposits | 72.3010% | 2,180 |
| Net loans and leases to core deposits | 87.6916% | 1,292 |
| Total domestic deposits to total assets | 85.3550% | 2,958 |
| Equity capital to assets | 14.5715% | 605 |
| Core capital (leverage) ratio | 14.4473% | 549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3806% | 410 |
| Memoranda: | ||
| Average total assets | $68,797,000 | 4,438 |
| Average earning assets | $65,702,000 | 4,398 |
| Average equity | $9,989,667 | 4,204 |
| Average total loans | $43,718,000 | 4,201 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6764% | 590 |
| Cost of funding earning assets | 0.6715% | 610 |
| Net interest margin | 4.0048% | 837 |
| Noninterest income to average assets | 0.0643% | 4,811 |
| Noninterest expense to average assets | 2.0911% | 3,453 |
| Loan and lease loss provision to assets | 0.3505% | 239 |
| Net operating income to assets | 1.3875% | 1,604 |
| Return on assets (ROA) | 1.4486% | 1,516 |
| Pretax return on assets | 1.5187% | 1,946 |
| Return on Equity (ROE) | 9.9940% | 2,688 |
| Retained earnings to average equity (ytd only) | 5.9641% | 2,914 |
| Net charge-offs to loans | 0.9133% | 83 |
| Credit loss provision to net charge-offs | 60.0000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 3.0900% | 1,783 |
| Efficiency ratio | 53.6732% | 3,824 |
| Assets per employee ($millions) | 7.0458% | 1,776 |
| Cash dividends to net income (ytd only)* | 40.3226% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5921% | 1,318 |
| Loan loss allowance to noncurrent loans | 88.6480% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.2490% | 579 |
| Noncurrent loans to loans | 1.7959% | 648 |
| Net loans and leases to total assets | 60.9711% | 2,407 |
| Net loans and leases to deposits | 71.0900% | 2,410 |
| Net loans and leases to core deposits | 90.0400% | 1,229 |
| Total domestic deposits to total assets | 85.7660% | 2,827 |
| Equity capital to assets | 14.1602% | 636 |
| Core capital (leverage) ratio | 14.0717% | 642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1848% | 393 |
| Memoranda: | ||
| Average total assets | $68,480,500 | 4,459 |
| Average earning assets | $65,521,000 | 4,415 |
| Average equity | $9,926,000 | 4,222 |
| Average total loans | $43,796,500 | 4,214 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5535% | 1,184 |
| Cost of funding earning assets | 0.9422% | 732 |
| Net interest margin | 3.6114% | 2,104 |
| Noninterest income to average assets | 0.0710% | 4,815 |
| Noninterest expense to average assets | 1.9198% | 4,287 |
| Loan and lease loss provision to assets | 0.4784% | 545 |
| Net operating income to assets | 1.0681% | 2,038 |
| Return on assets (ROA) | 1.1111% | 2,002 |
| Pretax return on assets | 1.1543% | 2,497 |
| Return on Equity (ROE) | 7.4776% | 3,007 |
| Retained earnings to average equity (ytd only) | 3.5830% | 3,044 |
| Net charge-offs to loans | 0.9781% | 136 |
| Credit loss provision to net charge-offs | 68.4327% | 3,053 |
| Earnings coverage of net charge-offs (x) | 2.2715% | 3,179 |
| Efficiency ratio | 54.7294% | 4,122 |
| Assets per employee ($millions) | 6.6503% | 1,817 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6728% | 1,098 |
| Loan loss allowance to noncurrent loans | 91.9900% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 1.3533% | 582 |
| Noncurrent loans to loans | 1.8184% | 680 |
| Net loans and leases to total assets | 64.9655% | 2,233 |
| Net loans and leases to deposits | 76.3632% | 2,245 |
| Net loans and leases to core deposits | 96.6943% | 1,082 |
| Total domestic deposits to total assets | 85.0744% | 2,732 |
| Equity capital to assets | 14.8490% | 596 |
| Core capital (leverage) ratio | 14.3094% | 631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2082% | 425 |
| Memoranda: | ||
| Average total assets | $64,800,000 | 4,448 |
| Average earning assets | $61,666,200 | 4,425 |
| Average equity | $9,628,800 | 4,232 |
| Average total loans | $46,314,200 | 4,178 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6746% | 1,124 |
| Cost of funding earning assets | 1.0085% | 742 |
| Net interest margin | 3.6661% | 2,043 |
| Noninterest income to average assets | 0.0746% | 4,839 |
| Noninterest expense to average assets | 1.8827% | 4,359 |
| Loan and lease loss provision to assets | 0.4660% | 670 |
| Net operating income to assets | 1.1521% | 1,812 |
| Return on assets (ROA) | 1.2013% | 1,759 |
| Pretax return on assets | 1.2634% | 2,180 |
| Return on Equity (ROE) | 8.0829% | 2,779 |
| Retained earnings to average equity (ytd only) | 4.2505% | 2,924 |
| Net charge-offs to loans | 0.7959% | 172 |
| Credit loss provision to net charge-offs | 80.3571% | 2,756 |
| Earnings coverage of net charge-offs (x) | 2.8929% | 2,953 |
| Efficiency ratio | 52.8796% | 4,265 |
| Assets per employee ($millions) | 6.6439% | 1,719 |
| Cash dividends to net income (ytd only)* | 47.4138% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7554% | 797 |
| Loan loss allowance to noncurrent loans | 87.2747% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.7460% | 444 |
| Noncurrent loans to loans | 2.0113% | 601 |
| Net loans and leases to total assets | 69.3283% | 2,055 |
| Net loans and leases to deposits | 81.4662% | 2,151 |
| Net loans and leases to core deposits | 101.6530% | 1,050 |
| Total domestic deposits to total assets | 85.1006% | 2,398 |
| Equity capital to assets | 14.7940% | 683 |
| Core capital (leverage) ratio | 14.6077% | 606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9681% | 515 |
| Memoranda: | ||
| Average total assets | $64,374,250 | 4,467 |
| Average earning assets | $61,208,500 | 4,443 |
| Average equity | $9,567,250 | 4,255 |
| Average total loans | $46,908,000 | 4,188 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8029% | 1,165 |
| Cost of funding earning assets | 1.0787% | 763 |
| Net interest margin | 3.7242% | 2,079 |
| Noninterest income to average assets | 0.0754% | 4,855 |
| Noninterest expense to average assets | 1.8780% | 4,446 |
| Loan and lease loss provision to assets | 0.4554% | 844 |
| Net operating income to assets | 1.2218% | 1,579 |
| Return on assets (ROA) | 1.2248% | 1,689 |
| Pretax return on assets | 1.2907% | 2,062 |
| Return on Equity (ROE) | 8.2278% | 2,653 |
| Retained earnings to average equity (ytd only) | 4.0084% | 2,900 |
| Net charge-offs to loans | 0.9123% | 164 |
| Credit loss provision to net charge-offs | 67.7570% | 2,563 |
| Earnings coverage of net charge-offs (x) | 2.5935% | 2,754 |
| Efficiency ratio | 51.8647% | 4,363 |
| Assets per employee ($millions) | 6.5366% | 1,750 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6686% | 877 |
| Loan loss allowance to noncurrent loans | 64.8757% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 2.3223% | 265 |
| Noncurrent loans to loans | 2.5720% | 441 |
| Net loans and leases to total assets | 72.9355% | 1,567 |
| Net loans and leases to deposits | 85.7865% | 1,793 |
| Net loans and leases to core deposits | 108.2219% | 807 |
| Total domestic deposits to total assets | 85.0197% | 2,393 |
| Equity capital to assets | 14.8212% | 659 |
| Core capital (leverage) ratio | 14.8870% | 596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1241% | 570 |
| Memoranda: | ||
| Average total assets | $63,686,000 | 4,487 |
| Average earning assets | $60,630,667 | 4,460 |
| Average equity | $9,480,000 | 4,283 |
| Average total loans | $46,916,000 | 4,193 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8801% | 1,244 |
| Cost of funding earning assets | 1.1549% | 893 |
| Net interest margin | 3.7252% | 2,236 |
| Noninterest income to average assets | 0.0891% | 4,868 |
| Noninterest expense to average assets | 2.0240% | 4,355 |
| Loan and lease loss provision to assets | 0.3819% | 802 |
| Net operating income to assets | 1.1778% | 1,587 |
| Return on assets (ROA) | 1.1838% | 1,688 |
| Pretax return on assets | 1.2411% | 2,063 |
| Return on Equity (ROE) | 7.9352% | 2,547 |
| Retained earnings to average equity (ytd only) | 3.2423% | 2,982 |
| Net charge-offs to loans | 0.2515% | 580 |
| Credit loss provision to net charge-offs | 206.8966% | 1,399 |
| Earnings coverage of net charge-offs (x) | 8.7586% | 1,850 |
| Efficiency ratio | 55.5944% | 4,247 |
| Assets per employee ($millions) | 6.3091% | 1,455 |
| Cash dividends to net income (ytd only)* | 59.1398% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9919% | 506 |
| Loan loss allowance to noncurrent loans | 72.9535% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 2.3347% | 316 |
| Noncurrent loans to loans | 2.7304% | 425 |
| Net loans and leases to total assets | 70.8897% | 2,103 |
| Net loans and leases to deposits | 83.4266% | 2,290 |
| Net loans and leases to core deposits | 106.2478% | 1,045 |
| Total domestic deposits to total assets | 84.9725% | 2,422 |
| Equity capital to assets | 14.8421% | 791 |
| Core capital (leverage) ratio | 14.7872% | 718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1856% | 551 |
| Memoranda: | ||
| Average total assets | $62,846,000 | 4,514 |
| Average earning assets | $59,917,000 | 4,480 |
| Average equity | $9,376,000 | 4,315 |
| Average total loans | $46,132,000 | 4,229 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9382% | 1,640 |
| Cost of funding earning assets | 1.1087% | 1,290 |
| Net interest margin | 3.8295% | 2,406 |
| Noninterest income to average assets | 0.1103% | 4,905 |
| Noninterest expense to average assets | 1.8467% | 4,719 |
| Loan and lease loss provision to assets | 0.5516% | 222 |
| Net operating income to assets | 1.3381% | 1,549 |
| Return on assets (ROA) | 1.3350% | 1,642 |
| Pretax return on assets | 1.3814% | 2,228 |
| Return on Equity (ROE) | 9.0870% | 2,713 |
| Retained earnings to average equity (ytd only) | 3.7545% | 3,102 |
| Net charge-offs to loans | 1.2421% | 125 |
| Credit loss provision to net charge-offs | 58.4746% | 3,055 |
| Earnings coverage of net charge-offs (x) | 2.0525% | 3,461 |
| Efficiency ratio | 48.8166% | 4,793 |
| Assets per employee ($millions) | 6.2601% | 1,445 |
| Cash dividends to net income (ytd only)* | 58.6826% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8829% | 576 |
| Loan loss allowance to noncurrent loans | 67.0741% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 2.3418% | 294 |
| Noncurrent loans to loans | 2.8072% | 356 |
| Net loans and leases to total assets | 73.0851% | 1,908 |
| Net loans and leases to deposits | 86.1831% | 2,067 |
| Net loans and leases to core deposits | 110.6564% | 820 |
| Total domestic deposits to total assets | 84.8022% | 2,573 |
| Equity capital to assets | 14.9966% | 794 |
| Core capital (leverage) ratio | 14.7306% | 735 |
| Tier 1 risk-based capital ratio | 21.5867% | 1,073 |
| Total risk-based capital ratio | 22.8475% | 1,047 |
| Memoranda: | ||
| Average total assets | $62,545,000 | 4,557 |
| Average earning assets | $59,981,600 | 4,512 |
| Average equity | $9,189,000 | 4,345 |
| Average total loans | $47,499,000 | 4,230 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 1,776 |
| Cost of funding earning assets | 1.0838% | 1,411 |
| Net interest margin | 3.8299% | 2,502 |
| Noninterest income to average assets | 0.1173% | 4,929 |
| Noninterest expense to average assets | 1.8209% | 4,791 |
| Loan and lease loss provision to assets | 0.5757% | 202 |
| Net operating income to assets | 1.3218% | 1,766 |
| Return on assets (ROA) | 1.3177% | 1,853 |
| Pretax return on assets | 1.3860% | 2,363 |
| Return on Equity (ROE) | 9.0158% | 2,885 |
| Retained earnings to average equity (ytd only) | 3.9097% | 3,449 |
| Net charge-offs to loans | 1.4949% | 84 |
| Credit loss provision to net charge-offs | 50.4673% | 2,786 |
| Earnings coverage of net charge-offs (x) | 1.7233% | 3,261 |
| Efficiency ratio | 48.0856% | 4,850 |
| Assets per employee ($millions) | 6.3390% | 1,369 |
| Cash dividends to net income (ytd only)* | 56.6349% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8181% | 656 |
| Loan loss allowance to noncurrent loans | 80.6391% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.9372% | 467 |
| Noncurrent loans to loans | 2.2546% | 549 |
| Net loans and leases to total assets | 73.0951% | 1,979 |
| Net loans and leases to deposits | 85.8119% | 2,214 |
| Net loans and leases to core deposits | 109.5753% | 969 |
| Total domestic deposits to total assets | 85.1806% | 2,361 |
| Equity capital to assets | 14.6569% | 936 |
| Core capital (leverage) ratio | 14.6141% | 832 |
| Tier 1 risk-based capital ratio | 21.3009% | 1,154 |
| Total risk-based capital ratio | 22.5599% | 1,131 |
| Memoranda: | ||
| Average total assets | $62,531,000 | 4,614 |
| Average earning assets | $59,913,000 | 4,571 |
| Average equity | $9,139,250 | 4,403 |
| Average total loans | $47,716,250 | 4,279 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8570% | 1,887 |
| Cost of funding earning assets | 1.0238% | 1,587 |
| Net interest margin | 3.8332% | 2,467 |
| Noninterest income to average assets | 0.1350% | 4,895 |
| Noninterest expense to average assets | 1.8026% | 4,873 |
| Loan and lease loss provision to assets | 0.5462% | 203 |
| Net operating income to assets | 1.3813% | 1,481 |
| Return on assets (ROA) | 1.3752% | 1,560 |
| Pretax return on assets | 1.4491% | 2,034 |
| Return on Equity (ROE) | 9.4183% | 2,676 |
| Retained earnings to average equity (ytd only) | 4.7972% | 2,870 |
| Net charge-offs to loans | 0.7183% | 205 |
| Credit loss provision to net charge-offs | 98.8372% | 2,021 |
| Earnings coverage of net charge-offs (x) | 3.6221% | 2,822 |
| Efficiency ratio | 47.3818% | 4,928 |
| Assets per employee ($millions) | 6.2128% | 1,398 |
| Cash dividends to net income (ytd only)* | 49.0654% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3622% | 269 |
| Loan loss allowance to noncurrent loans | 95.2421% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 2.1584% | 399 |
| Noncurrent loans to loans | 2.4802% | 487 |
| Net loans and leases to total assets | 74.5799% | 1,787 |
| Net loans and leases to deposits | 87.7357% | 2,035 |
| Net loans and leases to core deposits | 111.2592% | 901 |
| Total domestic deposits to total assets | 85.0052% | 2,479 |
| Equity capital to assets | 14.8403% | 858 |
| Core capital (leverage) ratio | 15.0060% | 703 |
| Tier 1 risk-based capital ratio | 21.2784% | 1,147 |
| Total risk-based capital ratio | 22.5452% | 1,125 |
| Memoranda: | ||
| Average total assets | $62,244,670 | 4,652 |
| Average earning assets | $59,584,000 | 4,616 |
| Average equity | $9,088,670 | 4,424 |
| Average total loans | $47,890,670 | 4,305 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0682% | 1,170 |
| Cost of funding earning assets | 0.9881% | 1,618 |
| Net interest margin | 4.0801% | 1,607 |
| Noninterest income to average assets | 0.1091% | 5,044 |
| Noninterest expense to average assets | 1.8041% | 4,916 |
| Loan and lease loss provision to assets | 0.5136% | 208 |
| Net operating income to assets | 1.6044% | 885 |
| Return on assets (ROA) | 1.5922% | 938 |
| Pretax return on assets | 1.6757% | 1,271 |
| Return on Equity (ROE) | 10.9941% | 1,947 |
| Retained earnings to average equity (ytd only) | 10.9941% | 800 |
| Net charge-offs to loans | 0.7151% | 210 |
| Credit loss provision to net charge-offs | 93.0233% | 1,691 |
| Earnings coverage of net charge-offs (x) | 3.9884% | 2,357 |
| Efficiency ratio | 45.0321% | 5,066 |
| Assets per employee ($millions) | 6.2344% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3382% | 288 |
| Loan loss allowance to noncurrent loans | 246.0352% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 1.1132% | 1,240 |
| Noncurrent loans to loans | 0.9504% | 1,758 |
| Net loans and leases to total assets | 74.8332% | 1,669 |
| Net loans and leases to deposits | 87.8937% | 1,887 |
| Net loans and leases to core deposits | 111.2664% | 870 |
| Total domestic deposits to total assets | 85.1405% | 2,632 |
| Equity capital to assets | 14.7199% | 821 |
| Core capital (leverage) ratio | 14.7924% | 745 |
| Tier 1 risk-based capital ratio | 21.4334% | 1,116 |
| Total risk-based capital ratio | 22.7007% | 1,093 |
| Memoranda: | ||
| Average total assets | $62,303,000 | 4,698 |
| Average earning assets | $59,508,500 | 4,662 |
| Average equity | $9,023,000 | 4,464 |
| Average total loans | $48,108,000 | 4,349 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9591% | 1,132 |
| Cost of funding earning assets | 0.7837% | 1,616 |
| Net interest margin | 4.1754% | 1,465 |
| Noninterest income to average assets | 0.1146% | 5,098 |
| Noninterest expense to average assets | 1.8597% | 4,946 |
| Loan and lease loss provision to assets | 0.5652% | 197 |
| Net operating income to assets | 1.6227% | 827 |
| Return on assets (ROA) | 1.5970% | 865 |
| Pretax return on assets | 1.6750% | 1,233 |
| Return on Equity (ROE) | 11.6557% | 1,841 |
| Retained earnings to average equity (ytd only) | 6.6588% | 1,835 |
| Net charge-offs to loans | 0.9046% | 168 |
| Credit loss provision to net charge-offs | 80.3167% | 2,859 |
| Earnings coverage of net charge-offs (x) | 3.2217% | 3,435 |
| Efficiency ratio | 45.0617% | 5,149 |
| Assets per employee ($millions) | 6.2262% | 1,375 |
| Cash dividends to net income (ytd only)* | 42.8714% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3181% | 278 |
| Loan loss allowance to noncurrent loans | 239.4456% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 1.1387% | 1,166 |
| Noncurrent loans to loans | 0.9681% | 1,674 |
| Net loans and leases to total assets | 76.0046% | 1,611 |
| Net loans and leases to deposits | 88.7559% | 1,958 |
| Net loans and leases to core deposits | 109.5163% | 1,031 |
| Total domestic deposits to total assets | 85.6333% | 2,385 |
| Equity capital to assets | 14.2446% | 904 |
| Core capital (leverage) ratio | 14.5040% | 796 |
| Tier 1 risk-based capital ratio | 20.4468% | 1,236 |
| Total risk-based capital ratio | 21.7121% | 1,211 |
| Memoranda: | ||
| Average total assets | $62,804,400 | 4,704 |
| Average earning assets | $60,354,200 | 4,658 |
| Average equity | $8,605,200 | 4,509 |
| Average total loans | $48,862,000 | 4,336 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9201% | 1,115 |
| Cost of funding earning assets | 0.7481% | 1,592 |
| Net interest margin | 4.1719% | 1,440 |
| Noninterest income to average assets | 0.1186% | 5,138 |
| Noninterest expense to average assets | 1.8070% | 5,030 |
| Loan and lease loss provision to assets | 0.4131% | 310 |
| Net operating income to assets | 1.8254% | 579 |
| Return on assets (ROA) | 1.8133% | 592 |
| Pretax return on assets | 1.9023% | 811 |
| Return on Equity (ROE) | 13.3653% | 1,310 |
| Retained earnings to average equity (ytd only) | 8.3690% | 1,486 |
| Net charge-offs to loans | 0.4466% | 352 |
| Credit loss provision to net charge-offs | 118.9024% | 1,998 |
| Earnings coverage of net charge-offs (x) | 6.7013% | 2,857 |
| Efficiency ratio | 43.6988% | 5,224 |
| Assets per employee ($millions) | 6.2526% | 1,310 |
| Cash dividends to net income (ytd only)* | 37.3837% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5380% | 231 |
| Loan loss allowance to noncurrent loans | 639.6907% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 2,895 |
| Noncurrent loans to loans | 0.3968% | 3,232 |
| Net loans and leases to total assets | 76.2179% | 1,632 |
| Net loans and leases to deposits | 89.9798% | 1,900 |
| Net loans and leases to core deposits | 111.1666% | 961 |
| Total domestic deposits to total assets | 84.7056% | 2,719 |
| Equity capital to assets | 14.0278% | 950 |
| Core capital (leverage) ratio | 14.3574% | 849 |
| Tier 1 risk-based capital ratio | 20.3504% | 1,274 |
| Total risk-based capital ratio | 21.6193% | 1,247 |
| Memoranda: | ||
| Average total assets | $62,940,000 | 4,751 |
| Average earning assets | $60,593,750 | 4,707 |
| Average equity | $8,539,250 | 4,565 |
| Average total loans | $48,966,250 | 4,381 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8413% | 1,147 |
| Cost of funding earning assets | 0.7471% | 1,380 |
| Net interest margin | 4.0942% | 1,581 |
| Noninterest income to average assets | 0.1110% | 5,229 |
| Noninterest expense to average assets | 1.8295% | 5,062 |
| Loan and lease loss provision to assets | 0.4280% | 274 |
| Net operating income to assets | 1.7118% | 703 |
| Return on assets (ROA) | 1.7058% | 717 |
| Pretax return on assets | 1.7914% | 982 |
| Return on Equity (ROE) | 12.7157% | 1,469 |
| Retained earnings to average equity (ytd only) | 7.5160% | 1,838 |
| Net charge-offs to loans | 0.4368% | 351 |
| Credit loss provision to net charge-offs | 126.1682% | 1,750 |
| Earnings coverage of net charge-offs (x) | 6.5607% | 2,613 |
| Efficiency ratio | 45.1134% | 5,251 |
| Assets per employee ($millions) | 6.2179% | 1,323 |
| Cash dividends to net income (ytd only)* | 40.8922% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5385% | 235 |
| Loan loss allowance to noncurrent loans | 581.2207% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 2,366 |
| Noncurrent loans to loans | 0.4368% | 3,131 |
| Net loans and leases to total assets | 76.4422% | 1,569 |
| Net loans and leases to deposits | 90.0174% | 1,840 |
| Net loans and leases to core deposits | 111.2435% | 919 |
| Total domestic deposits to total assets | 84.9193% | 2,704 |
| Equity capital to assets | 13.8021% | 990 |
| Core capital (leverage) ratio | 13.8114% | 959 |
| Tier 1 risk-based capital ratio | 19.9560% | 1,325 |
| Total risk-based capital ratio | 21.2248% | 1,295 |
| Memoranda: | ||
| Average total assets | $63,078,000 | 4,801 |
| Average earning assets | $60,769,000 | 4,756 |
| Average equity | $8,462,000 | 4,621 |
| Average total loans | $48,989,330 | 4,425 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7202% | 1,261 |
| Cost of funding earning assets | 0.7051% | 1,412 |
| Net interest margin | 4.0151% | 1,677 |
| Noninterest income to average assets | 0.1133% | 5,279 |
| Noninterest expense to average assets | 1.8575% | 5,090 |
| Loan and lease loss provision to assets | 0.4408% | 243 |
| Net operating income to assets | 1.5930% | 872 |
| Return on assets (ROA) | 1.5930% | 875 |
| Pretax return on assets | 1.6875% | 1,148 |
| Return on Equity (ROE) | 12.0448% | 1,565 |
| Retained earnings to average equity (ytd only) | 6.8079% | 2,362 |
| Net charge-offs to loans | 0.5214% | 286 |
| Credit loss provision to net charge-offs | 109.3750% | 1,460 |
| Earnings coverage of net charge-offs (x) | 5.2813% | 2,249 |
| Efficiency ratio | 46.6035% | 5,244 |
| Assets per employee ($millions) | 5.3251% | 2,118 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4767% | 258 |
| Loan loss allowance to noncurrent loans | 383.5962% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.7105% | 2,192 |
| Noncurrent loans to loans | 0.6457% | 2,606 |
| Net loans and leases to total assets | 74.9300% | 1,718 |
| Net loans and leases to deposits | 90.0323% | 1,687 |
| Net loans and leases to core deposits | 111.0413% | 945 |
| Total domestic deposits to total assets | 83.2256% | 3,597 |
| Equity capital to assets | 13.1845% | 1,164 |
| Core capital (leverage) ratio | 13.5803% | 987 |
| Tier 1 risk-based capital ratio | 19.4608% | 1,442 |
| Total risk-based capital ratio | 20.7301% | 1,409 |
| Memoranda: | ||
| Average total assets | $63,527,500 | 4,859 |
| Average earning assets | $61,268,000 | 4,799 |
| Average equity | $8,402,000 | 4,683 |
| Average total loans | $49,099,500 | 4,465 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7340% | 1,117 |
| Cost of funding earning assets | 0.5243% | 2,148 |
| Net interest margin | 4.2097% | 1,171 |
| Noninterest income to average assets | 0.1299% | 5,293 |
| Noninterest expense to average assets | 1.6731% | 5,360 |
| Loan and lease loss provision to assets | 1.4742% | 60 |
| Net operating income to assets | 1.0011% | 2,240 |
| Return on assets (ROA) | 1.0058% | 2,256 |
| Pretax return on assets | 1.0443% | 3,401 |
| Return on Equity (ROE) | 7.3195% | 3,110 |
| Retained earnings to average equity (ytd only) | 2.0663% | 4,081 |
| Net charge-offs to loans | 0.8205% | 239 |
| Credit loss provision to net charge-offs | 231.4861% | 1,199 |
| Earnings coverage of net charge-offs (x) | 3.9471% | 3,533 |
| Efficiency ratio | 39.9617% | 5,528 |
| Assets per employee ($millions) | 5.2628% | 2,186 |
| Cash dividends to net income (ytd only)* | 71.7703% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4643% | 256 |
| Loan loss allowance to noncurrent loans | 683.6158% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 2,894 |
| Noncurrent loans to loans | 0.3605% | 3,478 |
| Net loans and leases to total assets | 75.8337% | 1,631 |
| Net loans and leases to deposits | 91.2541% | 1,620 |
| Net loans and leases to core deposits | 109.9020% | 1,012 |
| Total domestic deposits to total assets | 83.1016% | 3,527 |
| Equity capital to assets | 13.2676% | 1,142 |
| Core capital (leverage) ratio | 13.5257% | 957 |
| Tier 1 risk-based capital ratio | 18.9207% | 1,517 |
| Total risk-based capital ratio | 20.1870% | 1,479 |
| Memoranda: | ||
| Average total assets | $62,340,400 | 4,918 |
| Average earning assets | $60,075,600 | 4,854 |
| Average equity | $8,566,200 | 4,696 |
| Average total loans | $48,384,400 | 4,502 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6903% | 1,162 |
| Cost of funding earning assets | 0.5056% | 2,223 |
| Net interest margin | 4.1847% | 1,192 |
| Noninterest income to average assets | 0.1373% | 5,320 |
| Noninterest expense to average assets | 1.6029% | 5,449 |
| Loan and lease loss provision to assets | 0.5579% | 199 |
| Net operating income to assets | 1.9506% | 349 |
| Return on assets (ROA) | 1.9548% | 350 |
| Pretax return on assets | 2.0127% | 531 |
| Return on Equity (ROE) | 14.1024% | 813 |
| Retained earnings to average equity (ytd only) | 8.9940% | 841 |
| Net charge-offs to loans | 0.5974% | 328 |
| Credit loss provision to net charge-offs | 120.3704% | 2,002 |
| Earnings coverage of net charge-offs (x) | 5.5371% | 3,092 |
| Efficiency ratio | 38.4457% | 5,612 |
| Assets per employee ($millions) | 5.5978% | 1,830 |
| Cash dividends to net income (ytd only)* | 36.2239% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 1,564 |
| Loan loss allowance to noncurrent loans | 291.6335% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.6317% | 2,615 |
| Noncurrent loans to loans | 0.5114% | 3,171 |
| Net loans and leases to total assets | 78.5257% | 1,193 |
| Net loans and leases to deposits | 101.5691% | 645 |
| Net loans and leases to core deposits | 108.5243% | 1,119 |
| Total domestic deposits to total assets | 77.3126% | 4,826 |
| Equity capital to assets | 14.4001% | 884 |
| Core capital (leverage) ratio | 14.4808% | 773 |
| Tier 1 risk-based capital ratio | 20.1733% | 1,327 |
| Total risk-based capital ratio | 21.4292% | 1,296 |
| Memoranda: | ||
| Average total assets | $62,137,000 | 4,977 |
| Average earning assets | $59,867,000 | 4,915 |
| Average equity | $8,613,000 | 4,730 |
| Average total loans | $48,205,000 | 4,551 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 1,210 |
| Cost of funding earning assets | 0.5092% | 2,100 |
| Net interest margin | 4.1132% | 1,292 |
| Noninterest income to average assets | 0.1444% | 5,336 |
| Noninterest expense to average assets | 1.4858% | 5,581 |
| Loan and lease loss provision to assets | 0.5455% | 207 |
| Net operating income to assets | 2.0221% | 296 |
| Return on assets (ROA) | 2.0345% | 295 |
| Pretax return on assets | 2.0923% | 453 |
| Return on Equity (ROE) | 14.8681% | 684 |
| Retained earnings to average equity (ytd only) | 9.7088% | 643 |
| Net charge-offs to loans | 0.6470% | 302 |
| Credit loss provision to net charge-offs | 109.6774% | 1,895 |
| Earnings coverage of net charge-offs (x) | 5.2774% | 2,838 |
| Efficiency ratio | 36.1436% | 5,693 |
| Assets per employee ($millions) | 5.1171% | 2,254 |
| Cash dividends to net income (ytd only)* | 34.7003% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 1,685 |
| Loan loss allowance to noncurrent loans | 247.5352% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 2,481 |
| Noncurrent loans to loans | 0.5937% | 2,953 |
| Net loans and leases to total assets | 76.7543% | 1,422 |
| Net loans and leases to deposits | 95.9585% | 1,087 |
| Net loans and leases to core deposits | 102.9601% | 1,438 |
| Total domestic deposits to total assets | 79.9870% | 4,410 |
| Equity capital to assets | 14.2041% | 900 |
| Core capital (leverage) ratio | 13.9703% | 874 |
| Tier 1 risk-based capital ratio | 20.1980% | 1,326 |
| Total risk-based capital ratio | 21.4525% | 1,299 |
| Memoranda: | ||
| Average total assets | $62,324,000 | 5,011 |
| Average earning assets | $60,099,000 | 4,947 |
| Average equity | $8,528,330 | 4,764 |
| Average total loans | $47,911,670 | 4,585 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5240% | 1,322 |
| Cost of funding earning assets | 0.4821% | 2,234 |
| Net interest margin | 4.0419% | 1,366 |
| Noninterest income to average assets | 0.1784% | 5,203 |
| Noninterest expense to average assets | 1.5673% | 5,588 |
| Loan and lease loss provision to assets | 0.5097% | 196 |
| Net operating income to assets | 1.9817% | 314 |
| Return on assets (ROA) | 2.0069% | 312 |
| Pretax return on assets | 2.0260% | 481 |
| Return on Equity (ROE) | 14.9440% | 656 |
| Retained earnings to average equity (ytd only) | 14.9440% | 235 |
| Net charge-offs to loans | 0.2252% | 796 |
| Credit loss provision to net charge-offs | 296.2963% | 797 |
| Earnings coverage of net charge-offs (x) | 14.5926% | 1,718 |
| Efficiency ratio | 38.4375% | 5,718 |
| Assets per employee ($millions) | 5.1524% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 1,515 |
| Loan loss allowance to noncurrent loans | 265.5914% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 2,659 |
| Noncurrent loans to loans | 0.5828% | 3,062 |
| Net loans and leases to total assets | 76.2264% | 1,377 |
| Net loans and leases to deposits | 92.5333% | 1,266 |
| Net loans and leases to core deposits | 99.0001% | 1,581 |
| Total domestic deposits to total assets | 82.3772% | 4,066 |
| Equity capital to assets | 13.8737% | 943 |
| Core capital (leverage) ratio | 13.7857% | 896 |
| Tier 1 risk-based capital ratio | 19.8825% | 1,418 |
| Total risk-based capital ratio | 21.1387% | 1,386 |
| Memoranda: | ||
| Average total assets | $62,783,500 | 5,054 |
| Average earning assets | $60,566,000 | 4,984 |
| Average equity | $8,431,500 | 4,822 |
| Average total loans | $47,950,500 | 4,627 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5090% | 1,507 |
| Cost of funding earning assets | 0.4898% | 2,164 |
| Net interest margin | 4.0192% | 1,580 |
| Noninterest income to average assets | 0.1264% | 5,554 |
| Noninterest expense to average assets | 1.5415% | 5,693 |
| Loan and lease loss provision to assets | 0.5528% | 240 |
| Net operating income to assets | 1.8100% | 441 |
| Return on assets (ROA) | 1.8100% | 460 |
| Pretax return on assets | 1.8811% | 645 |
| Return on Equity (ROE) | 14.2676% | 732 |
| Retained earnings to average equity (ytd only) | 9.1631% | 554 |
| Net charge-offs to loans | 0.7941% | 255 |
| Credit loss provision to net charge-offs | 96.4187% | 2,672 |
| Earnings coverage of net charge-offs (x) | 4.2452% | 3,528 |
| Efficiency ratio | 38.7763% | 5,802 |
| Assets per employee ($millions) | 5.7944% | 1,626 |
| Cash dividends to net income (ytd only)* | 35.7766% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 1,948 |
| Loan loss allowance to noncurrent loans | 227.8146% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.7452% | 2,497 |
| Noncurrent loans to loans | 0.6288% | 2,966 |
| Net loans and leases to total assets | 74.2759% | 1,799 |
| Net loans and leases to deposits | 92.6784% | 1,347 |
| Net loans and leases to core deposits | 97.8808% | 1,773 |
| Total domestic deposits to total assets | 80.1437% | 4,543 |
| Equity capital to assets | 12.9985% | 1,260 |
| Core capital (leverage) ratio | 13.1286% | 1,090 |
| Tier 1 risk-based capital ratio | 18.9731% | 1,606 |
| Total risk-based capital ratio | 20.2274% | 1,566 |
| Memoranda: | ||
| Average total assets | $63,315,400 | 5,067 |
| Average earning assets | $60,634,000 | 5,005 |
| Average equity | $8,032,200 | 4,934 |
| Average total loans | $45,714,600 | 4,692 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4952% | 1,555 |
| Cost of funding earning assets | 0.5026% | 2,086 |
| Net interest margin | 3.9925% | 1,683 |
| Noninterest income to average assets | 0.1308% | 5,600 |
| Noninterest expense to average assets | 1.4786% | 5,776 |
| Loan and lease loss provision to assets | 0.5484% | 213 |
| Net operating income to assets | 1.8668% | 433 |
| Return on assets (ROA) | 1.8668% | 451 |
| Pretax return on assets | 1.9237% | 668 |
| Return on Equity (ROE) | 14.8070% | 694 |
| Retained earnings to average equity (ytd only) | 9.6204% | 657 |
| Net charge-offs to loans | 0.7739% | 236 |
| Credit loss provision to net charge-offs | 99.2366% | 2,394 |
| Earnings coverage of net charge-offs (x) | 4.4733% | 3,263 |
| Efficiency ratio | 37.4266% | 5,873 |
| Assets per employee ($millions) | 5.6887% | 1,675 |
| Cash dividends to net income (ytd only)* | 35.0280% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 1,713 |
| Loan loss allowance to noncurrent loans | 356.6327% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 3,144 |
| Noncurrent loans to loans | 0.4251% | 3,759 |
| Net loans and leases to total assets | 72.5710% | 2,099 |
| Net loans and leases to deposits | 85.7834% | 2,287 |
| Net loans and leases to core deposits | 89.5100% | 2,622 |
| Total domestic deposits to total assets | 84.5979% | 2,987 |
| Equity capital to assets | 13.2431% | 1,372 |
| Core capital (leverage) ratio | 12.9405% | 1,212 |
| Tier 1 risk-based capital ratio | 19.5171% | 1,547 |
| Total risk-based capital ratio | 20.7727% | 1,508 |
| Memoranda: | ||
| Average total assets | $63,209,750 | 5,116 |
| Average earning assets | $60,478,250 | 5,049 |
| Average equity | $7,969,000 | 4,988 |
| Average total loans | $45,135,750 | 4,746 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4461% | 1,688 |
| Cost of funding earning assets | 0.5194% | 1,945 |
| Net interest margin | 3.9267% | 1,892 |
| Noninterest income to average assets | 0.1230% | 5,696 |
| Noninterest expense to average assets | 1.4632% | 5,861 |
| Loan and lease loss provision to assets | 0.6465% | 172 |
| Net operating income to assets | 1.6998% | 579 |
| Return on assets (ROA) | 1.6998% | 612 |
| Pretax return on assets | 1.7565% | 966 |
| Return on Equity (ROE) | 13.7098% | 881 |
| Retained earnings to average equity (ytd only) | 8.3683% | 1,053 |
| Net charge-offs to loans | 1.0221% | 179 |
| Credit loss provision to net charge-offs | 89.5197% | 2,247 |
| Earnings coverage of net charge-offs (x) | 3.3275% | 3,125 |
| Efficiency ratio | 37.8467% | 5,946 |
| Assets per employee ($millions) | 5.7506% | 1,583 |
| Cash dividends to net income (ytd only)* | 38.9610% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5062% | 1,833 |
| Loan loss allowance to noncurrent loans | 191.7847% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.7304% | 2,796 |
| Noncurrent loans to loans | 0.7854% | 2,787 |
| Net loans and leases to total assets | 69.9843% | 2,485 |
| Net loans and leases to deposits | 82.5271% | 2,647 |
| Net loans and leases to core deposits | 86.0598% | 2,894 |
| Total domestic deposits to total assets | 84.8017% | 2,963 |
| Equity capital to assets | 12.7512% | 1,636 |
| Core capital (leverage) ratio | 12.5440% | 1,330 |
| Tier 1 risk-based capital ratio | 19.1497% | 1,659 |
| Total risk-based capital ratio | 20.4056% | 1,623 |
| Memoranda: | ||
| Average total assets | $63,421,000 | 5,161 |
| Average earning assets | $60,458,000 | 5,099 |
| Average equity | $7,863,000 | 5,049 |
| Average total loans | $44,810,670 | 4,803 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 1,813 |
| Cost of funding earning assets | 0.4686% | 2,381 |
| Net interest margin | 3.9271% | 1,856 |
| Noninterest income to average assets | 0.1575% | 5,548 |
| Noninterest expense to average assets | 1.3165% | 5,996 |
| Loan and lease loss provision to assets | 0.5039% | 244 |
| Net operating income to assets | 2.0283% | 316 |
| Return on assets (ROA) | 2.0283% | 329 |
| Pretax return on assets | 2.0849% | 481 |
| Return on Equity (ROE) | 16.5947% | 476 |
| Retained earnings to average equity (ytd only) | 10.4104% | 761 |
| Net charge-offs to loans | 1.0102% | 182 |
| Credit loss provision to net charge-offs | 70.7965% | 1,898 |
| Earnings coverage of net charge-offs (x) | 3.6372% | 2,518 |
| Efficiency ratio | 33.7097% | 6,046 |
| Assets per employee ($millions) | 5.8145% | 1,565 |
| Cash dividends to net income (ytd only)* | 37.2671% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 2,033 |
| Loan loss allowance to noncurrent loans | 306.4220% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.5113% | 3,556 |
| Noncurrent loans to loans | 0.4862% | 3,721 |
| Net loans and leases to total assets | 69.0541% | 2,488 |
| Net loans and leases to deposits | 82.6881% | 2,468 |
| Net loans and leases to core deposits | 84.8876% | 2,856 |
| Total domestic deposits to total assets | 83.5116% | 3,706 |
| Equity capital to assets | 12.3280% | 1,804 |
| Core capital (leverage) ratio | 12.4157% | 1,372 |
| Tier 1 risk-based capital ratio | 18.6484% | 1,809 |
| Total risk-based capital ratio | 19.9037% | 1,769 |
| Memoranda: | ||
| Average total assets | $63,503,000 | 5,208 |
| Average earning assets | $60,604,500 | 5,140 |
| Average equity | $7,761,500 | 5,097 |
| Average total loans | $44,742,500 | 4,842 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0586% | 3,080 |
| Cost of funding earning assets | 0.4508% | 2,621 |
| Net interest margin | 3.6078% | 3,097 |
| Noninterest income to average assets | 0.1796% | 5,510 |
| Noninterest expense to average assets | 1.5537% | 5,949 |
| Loan and lease loss provision to assets | 0.5279% | 211 |
| Net operating income to assets | 1.5285% | 815 |
| Return on assets (ROA) | 1.5285% | 847 |
| Pretax return on assets | 1.5915% | 1,270 |
| Return on Equity (ROE) | 13.1347% | 1,026 |
| Retained earnings to average equity (ytd only) | 5.1456% | 2,319 |
| Net charge-offs to loans | 0.6056% | 399 |
| Credit loss provision to net charge-offs | 136.7347% | 1,913 |
| Earnings coverage of net charge-offs (x) | 5.4898% | 3,383 |
| Efficiency ratio | 42.2994% | 6,019 |
| Assets per employee ($millions) | 5.7315% | 1,593 |
| Cash dividends to net income (ytd only)* | 60.8247% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 1,721 |
| Loan loss allowance to noncurrent loans | 547.6563% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 4,091 |
| Noncurrent loans to loans | 0.2867% | 4,440 |
| Net loans and leases to total assets | 69.7094% | 2,413 |
| Net loans and leases to deposits | 84.4491% | 2,313 |
| Net loans and leases to core deposits | 86.8386% | 2,711 |
| Total domestic deposits to total assets | 82.5461% | 4,001 |
| Equity capital to assets | 12.1150% | 1,873 |
| Core capital (leverage) ratio | 12.1073% | 1,551 |
| Tier 1 risk-based capital ratio | 18.4001% | 1,854 |
| Total risk-based capital ratio | 19.6554% | 1,802 |
| Memoranda: | ||
| Average total assets | $63,462,000 | 5,233 |
| Average earning assets | $61,449,800 | 5,147 |
| Average equity | $7,385,000 | 5,172 |
| Average total loans | $40,458,000 | 4,992 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9489% | 3,549 |
| Cost of funding earning assets | 0.4460% | 2,727 |
| Net interest margin | 3.5029% | 3,521 |
| Noninterest income to average assets | 0.1846% | 5,555 |
| Noninterest expense to average assets | 1.5144% | 6,034 |
| Loan and lease loss provision to assets | 0.5139% | 199 |
| Net operating income to assets | 1.4829% | 945 |
| Return on assets (ROA) | 1.4829% | 980 |
| Pretax return on assets | 1.5501% | 1,534 |
| Return on Equity (ROE) | 12.8745% | 1,152 |
| Retained earnings to average equity (ytd only) | 2.1306% | 4,820 |
| Net charge-offs to loans | 0.6597% | 334 |
| Credit loss provision to net charge-offs | 125.6410% | 1,918 |
| Earnings coverage of net charge-offs (x) | 5.0462% | 3,257 |
| Efficiency ratio | 42.3212% | 6,081 |
| Assets per employee ($millions) | 6.2499% | 1,199 |
| Cash dividends to net income (ytd only)* | 83.4518% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5646% | 1,913 |
| Loan loss allowance to noncurrent loans | 472.1429% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 3,415 |
| Noncurrent loans to loans | 0.3314% | 4,421 |
| Net loans and leases to total assets | 66.5387% | 2,930 |
| Net loans and leases to deposits | 78.4938% | 3,052 |
| Net loans and leases to core deposits | 80.6681% | 3,376 |
| Total domestic deposits to total assets | 84.7694% | 3,103 |
| Equity capital to assets | 11.8338% | 2,236 |
| Core capital (leverage) ratio | 11.7791% | 1,835 |
| Tier 1 risk-based capital ratio | 18.7825% | 1,828 |
| Total risk-based capital ratio | 20.0378% | 1,796 |
| Memoranda: | ||
| Average total assets | $63,566,000 | 5,294 |
| Average earning assets | $61,585,250 | 5,203 |
| Average equity | $7,321,750 | 5,250 |
| Average total loans | $39,410,000 | 5,092 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8167% | 4,000 |
| Cost of funding earning assets | 0.4441% | 2,790 |
| Net interest margin | 3.3726% | 3,998 |
| Noninterest income to average assets | 0.1783% | 5,630 |
| Noninterest expense to average assets | 1.4580% | 6,136 |
| Loan and lease loss provision to assets | 0.4850% | 211 |
| Net operating income to assets | 1.4424% | 1,008 |
| Return on assets (ROA) | 1.4424% | 1,044 |
| Pretax return on assets | 1.5144% | 1,606 |
| Return on Equity (ROE) | 12.6353% | 1,189 |
| Retained earnings to average equity (ytd only) | -0.2467% | 5,555 |
| Net charge-offs to loans | 0.5720% | 425 |
| Credit loss provision to net charge-offs | 140.9091% | 1,595 |
| Earnings coverage of net charge-offs (x) | 5.8091% | 2,883 |
| Efficiency ratio | 42.1719% | 6,166 |
| Assets per employee ($millions) | 6.1672% | 1,237 |
| Cash dividends to net income (ytd only)* | 101.9523% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6382% | 1,792 |
| Loan loss allowance to noncurrent loans | 146.1024% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.9129% | 2,706 |
| Noncurrent loans to loans | 1.1213% | 2,407 |
| Net loans and leases to total assets | 63.8653% | 3,280 |
| Net loans and leases to deposits | 73.4476% | 3,560 |
| Net loans and leases to core deposits | 74.9116% | 3,865 |
| Total domestic deposits to total assets | 86.9536% | 2,195 |
| Equity capital to assets | 11.7574% | 2,195 |
| Core capital (leverage) ratio | 11.3716% | 2,099 |
| Tier 1 risk-based capital ratio | 19.3787% | 1,701 |
| Total risk-based capital ratio | 20.6344% | 1,667 |
| Memoranda: | ||
| Average total assets | $63,921,670 | 5,347 |
| Average earning assets | $62,148,330 | 5,248 |
| Average equity | $7,297,000 | 5,298 |
| Average total loans | $38,464,330 | 5,164 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6902% | 4,402 |
| Cost of funding earning assets | 0.4360% | 2,918 |
| Net interest margin | 3.2542% | 4,406 |
| Noninterest income to average assets | 0.1660% | 5,738 |
| Noninterest expense to average assets | 1.4882% | 6,185 |
| Loan and lease loss provision to assets | 0.4305% | 254 |
| Net operating income to assets | 1.3344% | 1,169 |
| Return on assets (ROA) | 1.3344% | 1,243 |
| Pretax return on assets | 1.4144% | 1,839 |
| Return on Equity (ROE) | 11.8579% | 1,388 |
| Retained earnings to average equity (ytd only) | 7.4863% | 1,769 |
| Net charge-offs to loans | 0.0956% | 1,766 |
| Credit loss provision to net charge-offs | 777.7778% | 397 |
| Earnings coverage of net charge-offs (x) | 33.3333% | 1,084 |
| Efficiency ratio | 44.6494% | 6,154 |
| Assets per employee ($millions) | 6.5523% | 1,045 |
| Cash dividends to net income (ytd only)* | 36.8664% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8031% | 1,496 |
| Loan loss allowance to noncurrent loans | 283.5443% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.5525% | 3,829 |
| Noncurrent loans to loans | 0.6359% | 3,683 |
| Net loans and leases to total assets | 55.8537% | 4,218 |
| Net loans and leases to deposits | 63.8591% | 4,383 |
| Net loans and leases to core deposits | 65.1586% | 4,598 |
| Total domestic deposits to total assets | 87.4639% | 2,134 |
| Equity capital to assets | 11.3121% | 2,633 |
| Core capital (leverage) ratio | 11.0438% | 2,371 |
| Tier 1 risk-based capital ratio | 20.6084% | 1,503 |
| Total risk-based capital ratio | 21.8660% | 1,465 |
| Memoranda: | ||
| Average total assets | $65,046,500 | 5,374 |
| Average earning assets | $63,303,500 | 5,267 |
| Average equity | $7,320,000 | 5,341 |
| Average total loans | $37,675,000 | 5,224 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7427% | 4,665 |
| Cost of funding earning assets | 0.4382% | 3,302 |
| Net interest margin | 3.3045% | 4,541 |
| Noninterest income to average assets | 0.1758% | 5,806 |
| Noninterest expense to average assets | 1.4685% | 6,311 |
| Loan and lease loss provision to assets | 0.4165% | 416 |
| Net operating income to assets | 1.4350% | 1,009 |
| Return on assets (ROA) | 1.4454% | 1,021 |
| Pretax return on assets | 1.5009% | 1,539 |
| Return on Equity (ROE) | 13.6517% | 1,006 |
| Retained earnings to average equity (ytd only) | 8.8438% | 734 |
| Net charge-offs to loans | 0.2481% | 1,728 |
| Credit loss provision to net charge-offs | 293.4783% | 880 |
| Earnings coverage of net charge-offs (x) | 13.4348% | 2,265 |
| Efficiency ratio | 43.5101% | 6,336 |
| Assets per employee ($millions) | 7.1744% | 771 |
| Cash dividends to net income (ytd only)* | 35.2188% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 2,073 |
| Loan loss allowance to noncurrent loans | 985.4839% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 4,876 |
| Noncurrent loans to loans | 0.1628% | 5,245 |
| Net loans and leases to total assets | 58.0300% | 4,042 |
| Net loans and leases to deposits | 66.2611% | 4,292 |
| Net loans and leases to core deposits | 67.9617% | 4,509 |
| Total domestic deposits to total assets | 87.5778% | 1,990 |
| Equity capital to assets | 11.1941% | 2,703 |
| Core capital (leverage) ratio | 11.1832% | 2,232 |
| Tier 1 risk-based capital ratio | 19.0385% | 1,839 |
| Total risk-based capital ratio | 20.2944% | 1,796 |
| Memoranda: | ||
| Average total assets | $64,828,400 | 5,423 |
| Average earning assets | $62,762,600 | 5,317 |
| Average equity | $6,863,600 | 5,445 |
| Average total loans | $37,088,000 | 5,291 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7203% | 4,798 |
| Cost of funding earning assets | 0.4396% | 3,371 |
| Net interest margin | 3.2808% | 4,681 |
| Noninterest income to average assets | 0.1788% | 5,846 |
| Noninterest expense to average assets | 1.4875% | 6,362 |
| Loan and lease loss provision to assets | 0.3698% | 474 |
| Net operating income to assets | 1.4406% | 1,049 |
| Return on assets (ROA) | 1.4485% | 1,066 |
| Pretax return on assets | 1.5040% | 1,632 |
| Return on Equity (ROE) | 13.8794% | 1,010 |
| Retained earnings to average equity (ytd only) | 7.3827% | 1,632 |
| Net charge-offs to loans | 0.2135% | 1,760 |
| Credit loss provision to net charge-offs | 305.0847% | 897 |
| Earnings coverage of net charge-offs (x) | 15.3908% | 2,053 |
| Efficiency ratio | 44.3627% | 6,351 |
| Assets per employee ($millions) | 7.1120% | 771 |
| Cash dividends to net income (ytd only)* | 46.8084% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 2,801 |
| Loan loss allowance to noncurrent loans | 186.5320% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6124% | 4,002 |
| Noncurrent loans to loans | 0.7958% | 3,594 |
| Net loans and leases to total assets | 57.4381% | 4,147 |
| Net loans and leases to deposits | 64.4796% | 4,484 |
| Net loans and leases to core deposits | 66.2337% | 4,683 |
| Total domestic deposits to total assets | 89.0795% | 1,193 |
| Equity capital to assets | 10.8486% | 3,131 |
| Core capital (leverage) ratio | 10.7263% | 2,789 |
| Tier 1 risk-based capital ratio | 18.5702% | 2,029 |
| Total risk-based capital ratio | 19.8231% | 1,993 |
| Memoranda: | ||
| Average total assets | $64,893,000 | 5,487 |
| Average earning assets | $62,788,750 | 5,379 |
| Average equity | $6,772,500 | 5,518 |
| Average total loans | $36,839,750 | 5,351 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6483% | 5,018 |
| Cost of funding earning assets | 0.4322% | 3,527 |
| Net interest margin | 3.2161% | 4,890 |
| Noninterest income to average assets | 0.1749% | 5,902 |
| Noninterest expense to average assets | 1.4082% | 6,469 |
| Loan and lease loss provision to assets | 0.3221% | 588 |
| Net operating income to assets | 1.4944% | 881 |
| Return on assets (ROA) | 1.5003% | 903 |
| Pretax return on assets | 1.5555% | 1,377 |
| Return on Equity (ROE) | 14.5637% | 867 |
| Retained earnings to average equity (ytd only) | 7.1180% | 1,709 |
| Net charge-offs to loans | 0.0818% | 2,873 |
| Credit loss provision to net charge-offs | 700.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 40.6667% | 1,048 |
| Efficiency ratio | 42.9373% | 6,451 |
| Assets per employee ($millions) | 7.0960% | 766 |
| Cash dividends to net income (ytd only)* | 51.1247% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 3,224 |
| Loan loss allowance to noncurrent loans | 118.8636% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.8236% | 3,504 |
| Noncurrent loans to loans | 1.1979% | 2,837 |
| Net loans and leases to total assets | 56.6955% | 4,158 |
| Net loans and leases to deposits | 63.5607% | 4,540 |
| Net loans and leases to core deposits | 65.2902% | 4,706 |
| Total domestic deposits to total assets | 89.1989% | 1,253 |
| Equity capital to assets | 10.7306% | 3,166 |
| Core capital (leverage) ratio | 10.5427% | 2,893 |
| Tier 1 risk-based capital ratio | 18.3567% | 2,112 |
| Total risk-based capital ratio | 19.6087% | 2,073 |
| Memoranda: | ||
| Average total assets | $65,188,000 | 5,523 |
| Average earning assets | $62,933,670 | 5,426 |
| Average equity | $6,715,330 | 5,559 |
| Average total loans | $36,680,000 | 5,391 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5645% | 5,260 |
| Cost of funding earning assets | 0.4220% | 3,739 |
| Net interest margin | 3.1426% | 5,109 |
| Noninterest income to average assets | 0.1822% | 5,872 |
| Noninterest expense to average assets | 1.4518% | 6,530 |
| Loan and lease loss provision to assets | 0.2733% | 759 |
| Net operating income to assets | 1.4338% | 928 |
| Return on assets (ROA) | 1.4396% | 950 |
| Pretax return on assets | 1.4943% | 1,442 |
| Return on Equity (ROE) | 14.2631% | 895 |
| Retained earnings to average equity (ytd only) | 8.2449% | 1,512 |
| Net charge-offs to loans | 0.0764% | 2,386 |
| Credit loss provision to net charge-offs | 642.8571% | 441 |
| Earnings coverage of net charge-offs (x) | 41.4286% | 857 |
| Efficiency ratio | 45.1796% | 6,452 |
| Assets per employee ($millions) | 7.4247% | 652 |
| Cash dividends to net income (ytd only)* | 42.1941% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 4,102 |
| Loan loss allowance to noncurrent loans | 96.5164% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.8785% | 3,537 |
| Noncurrent loans to loans | 1.3510% | 2,784 |
| Net loans and leases to total assets | 53.3522% | 4,505 |
| Net loans and leases to deposits | 59.3560% | 4,819 |
| Net loans and leases to core deposits | 60.8815% | 4,966 |
| Total domestic deposits to total assets | 89.8851% | 1,135 |
| Equity capital to assets | 10.0461% | 3,791 |
| Core capital (leverage) ratio | 10.0909% | 3,440 |
| Tier 1 risk-based capital ratio | 18.1161% | 2,246 |
| Total risk-based capital ratio | 19.3655% | 2,219 |
| Memoranda: | ||
| Average total assets | $65,850,000 | 5,570 |
| Average earning assets | $63,514,500 | 5,453 |
| Average equity | $6,646,500 | 5,605 |
| Average total loans | $36,654,500 | 5,442 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6421% | 5,299 |
| Cost of funding earning assets | 0.4475% | 4,141 |
| Net interest margin | 3.1946% | 5,018 |
| Noninterest income to average assets | 0.2038% | 5,865 |
| Noninterest expense to average assets | 1.4700% | 6,587 |
| Loan and lease loss provision to assets | 0.3234% | 1,015 |
| Net operating income to assets | 1.4198% | 990 |
| Return on assets (ROA) | 1.4198% | 1,023 |
| Pretax return on assets | 1.4926% | 1,466 |
| Return on Equity (ROE) | 13.9387% | 961 |
| Retained earnings to average equity (ytd only) | 10.7636% | 454 |
| Net charge-offs to loans | 0.8676% | 707 |
| Credit loss provision to net charge-offs | 67.1141% | 3,378 |
| Earnings coverage of net charge-offs (x) | 3.7685% | 3,754 |
| Efficiency ratio | 44.7343% | 6,597 |
| Assets per employee ($millions) | 7.2087% | 686 |
| Cash dividends to net income (ytd only)* | 22.7790% | 3,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 4,837 |
| Loan loss allowance to noncurrent loans | 83.9147% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 0.8632% | 3,731 |
| Noncurrent loans to loans | 1.3876% | 2,816 |
| Net loans and leases to total assets | 56.6509% | 4,233 |
| Net loans and leases to deposits | 63.0927% | 4,597 |
| Net loans and leases to core deposits | 64.9616% | 4,781 |
| Total domestic deposits to total assets | 89.7901% | 1,184 |
| Equity capital to assets | 10.1421% | 3,578 |
| Core capital (leverage) ratio | 10.5345% | 2,878 |
| Tier 1 risk-based capital ratio | 17.8218% | 2,299 |
| Total risk-based capital ratio | 19.0043% | 2,293 |
| Memoranda: | ||
| Average total assets | $61,838,200 | 5,710 |
| Average earning assets | $59,663,200 | 5,601 |
| Average equity | $6,299,000 | 5,743 |
| Average total loans | $34,349,400 | 5,569 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6317% | 5,351 |
| Cost of funding earning assets | 0.4540% | 4,237 |
| Net interest margin | 3.1777% | 5,064 |
| Noninterest income to average assets | 0.2161% | 5,885 |
| Noninterest expense to average assets | 1.4691% | 6,657 |
| Loan and lease loss provision to assets | 0.3711% | 844 |
| Net operating income to assets | 1.3731% | 1,166 |
| Return on assets (ROA) | 1.3731% | 1,212 |
| Pretax return on assets | 1.4473% | 1,775 |
| Return on Equity (ROE) | 13.4642% | 1,125 |
| Retained earnings to average equity (ytd only) | 9.1831% | 1,007 |
| Net charge-offs to loans | 1.1058% | 510 |
| Credit loss provision to net charge-offs | 60.9319% | 3,279 |
| Earnings coverage of net charge-offs (x) | 2.9857% | 3,843 |
| Efficiency ratio | 44.6879% | 6,635 |
| Assets per employee ($millions) | 6.7350% | 839 |
| Cash dividends to net income (ytd only)* | 31.7963% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 4,752 |
| Loan loss allowance to noncurrent loans | 78.4387% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 0.9602% | 3,748 |
| Noncurrent loans to loans | 1.5652% | 2,812 |
| Net loans and leases to total assets | 56.0092% | 4,322 |
| Net loans and leases to deposits | 62.5945% | 4,682 |
| Net loans and leases to core deposits | 64.7049% | 4,825 |
| Total domestic deposits to total assets | 89.4795% | 1,314 |
| Equity capital to assets | 10.4496% | 3,343 |
| Core capital (leverage) ratio | 10.5887% | 2,905 |
| Tier 1 risk-based capital ratio | 18.5867% | 2,117 |
| Total risk-based capital ratio | 19.8365% | 2,087 |
| Memoranda: | ||
| Average total assets | $61,078,250 | 5,794 |
| Average earning assets | $59,034,250 | 5,684 |
| Average equity | $6,228,750 | 5,830 |
| Average total loans | $33,640,000 | 5,647 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5787% | 5,498 |
| Cost of funding earning assets | 0.4558% | 4,364 |
| Net interest margin | 3.1230% | 5,212 |
| Noninterest income to average assets | 0.2156% | 5,897 |
| Noninterest expense to average assets | 1.4665% | 6,698 |
| Loan and lease loss provision to assets | 0.4083% | 752 |
| Net operating income to assets | 1.2869% | 1,356 |
| Return on assets (ROA) | 1.2869% | 1,453 |
| Pretax return on assets | 1.3620% | 2,078 |
| Return on Equity (ROE) | 12.7227% | 1,312 |
| Retained earnings to average equity (ytd only) | 6.2645% | 2,282 |
| Net charge-offs to loans | 1.6529% | 300 |
| Credit loss provision to net charge-offs | 45.2899% | 3,317 |
| Earnings coverage of net charge-offs (x) | 1.9638% | 3,865 |
| Efficiency ratio | 45.3078% | 6,672 |
| Assets per employee ($millions) | 6.5380% | 886 |
| Cash dividends to net income (ytd only)* | 50.7614% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 5,336 |
| Loan loss allowance to noncurrent loans | 255.0336% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 5,493 |
| Noncurrent loans to loans | 0.4420% | 5,158 |
| Net loans and leases to total assets | 56.6500% | 4,188 |
| Net loans and leases to deposits | 63.3281% | 4,576 |
| Net loans and leases to core deposits | 65.2393% | 4,770 |
| Total domestic deposits to total assets | 89.4548% | 1,349 |
| Equity capital to assets | 10.4687% | 3,344 |
| Core capital (leverage) ratio | 10.1909% | 3,247 |
| Tier 1 risk-based capital ratio | 17.9150% | 2,340 |
| Total risk-based capital ratio | 19.0417% | 2,365 |
| Memoranda: | ||
| Average total assets | $61,232,670 | 5,829 |
| Average earning assets | $59,238,670 | 5,717 |
| Average equity | $6,193,670 | 5,882 |
| Average total loans | $33,396,000 | 5,690 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5036% | 5,691 |
| Cost of funding earning assets | 0.4570% | 4,513 |
| Net interest margin | 3.0466% | 5,446 |
| Noninterest income to average assets | 0.2307% | 5,807 |
| Noninterest expense to average assets | 1.4160% | 6,802 |
| Loan and lease loss provision to assets | 0.2243% | 1,643 |
| Net operating income to assets | 1.6083% | 699 |
| Return on assets (ROA) | 1.6083% | 760 |
| Pretax return on assets | 1.5378% | 1,462 |
| Return on Equity (ROE) | 16.1662% | 589 |
| Retained earnings to average equity (ytd only) | 16.1662% | 267 |
| Net charge-offs to loans | 0.2527% | 1,943 |
| Credit loss provision to net charge-offs | 166.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 13.0952% | 1,551 |
| Efficiency ratio | 44.5565% | 6,747 |
| Assets per employee ($millions) | 6.8566% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6648% | 3,155 |
| Loan loss allowance to noncurrent loans | 216.2698% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.4797% | 5,182 |
| Noncurrent loans to loans | 0.7698% | 4,586 |
| Net loans and leases to total assets | 52.1674% | 4,684 |
| Net loans and leases to deposits | 58.1639% | 5,010 |
| Net loans and leases to core deposits | 60.1079% | 5,143 |
| Total domestic deposits to total assets | 89.6903% | 1,237 |
| Equity capital to assets | 10.2384% | 3,870 |
| Core capital (leverage) ratio | 9.7653% | 3,708 |
| Tier 1 risk-based capital ratio | 18.1520% | 2,299 |
| Total risk-based capital ratio | 19.4102% | 2,268 |
| Memoranda: | ||
| Average total assets | $62,428,000 | 5,852 |
| Average earning assets | $60,395,000 | 5,737 |
| Average equity | $6,210,500 | 5,938 |
| Average total loans | $33,237,000 | 5,737 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6106% | 6,212 |
| Cost of funding earning assets | 0.5347% | 4,954 |
| Net interest margin | 3.0760% | 5,869 |
| Noninterest income to average assets | 0.2842% | 5,436 |
| Noninterest expense to average assets | 1.2725% | 6,969 |
| Loan and lease loss provision to assets | 0.2406% | 2,726 |
| Net operating income to assets | 1.6310% | 716 |
| Return on assets (ROA) | 1.6310% | 791 |
| Pretax return on assets | 1.7441% | 1,033 |
| Return on Equity (ROE) | 17.4886% | 494 |
| Retained earnings to average equity (ytd only) | 9.2637% | 750 |
| Net charge-offs to loans | 0.2480% | 3,455 |
| Credit loss provision to net charge-offs | 191.0256% | 1,370 |
| Earnings coverage of net charge-offs (x) | 15.7564% | 1,632 |
| Efficiency ratio | 39.0679% | 6,948 |
| Assets per employee ($millions) | 7.8934% | 527 |
| Cash dividends to net income (ytd only)* | 47.0297% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5739% | 3,426 |
| Loan loss allowance to noncurrent loans | 165.9375% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.5844% | 5,018 |
| Noncurrent loans to loans | 0.9485% | 4,296 |
| Net loans and leases to total assets | 52.5852% | 4,826 |
| Net loans and leases to deposits | 59.8457% | 5,044 |
| Net loans and leases to core deposits | 62.4196% | 5,113 |
| Total domestic deposits to total assets | 87.8680% | 2,314 |
| Equity capital to assets | 9.6648% | 4,640 |
| Core capital (leverage) ratio | 9.3609% | 4,318 |
| Tier 1 risk-based capital ratio | 16.9665% | 2,672 |
| Total risk-based capital ratio | 18.2193% | 2,634 |
| Memoranda: | ||
| Average total assets | $61,924,200 | 5,877 |
| Average earning assets | $59,851,400 | 5,749 |
| Average equity | $5,775,200 | 6,085 |
| Average total loans | $31,456,200 | 5,877 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6070% | 6,387 |
| Cost of funding earning assets | 0.5364% | 5,195 |
| Net interest margin | 3.0707% | 6,011 |
| Noninterest income to average assets | 0.1666% | 6,307 |
| Noninterest expense to average assets | 1.2658% | 7,058 |
| Loan and lease loss provision to assets | 0.1406% | 3,780 |
| Net operating income to assets | 1.6034% | 836 |
| Return on assets (ROA) | 1.6034% | 934 |
| Pretax return on assets | 1.7332% | 1,197 |
| Return on Equity (ROE) | 17.3535% | 567 |
| Retained earnings to average equity (ytd only) | 8.5714% | 1,385 |
| Net charge-offs to loans | 0.0907% | 4,469 |
| Credit loss provision to net charge-offs | 309.5238% | 867 |
| Earnings coverage of net charge-offs (x) | 41.2371% | 862 |
| Efficiency ratio | 40.3170% | 7,009 |
| Assets per employee ($millions) | 8.0389% | 473 |
| Cash dividends to net income (ytd only)* | 50.6073% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 3,529 |
| Loan loss allowance to noncurrent loans | 158.4906% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.7728% | 4,778 |
| Noncurrent loans to loans | 1.0076% | 4,441 |
| Net loans and leases to total assets | 48.2888% | 5,511 |
| Net loans and leases to deposits | 54.6676% | 5,749 |
| Net loans and leases to core deposits | 56.5418% | 5,848 |
| Total domestic deposits to total assets | 88.3317% | 1,823 |
| Equity capital to assets | 9.2519% | 5,528 |
| Core capital (leverage) ratio | 8.7860% | 5,368 |
| Tier 1 risk-based capital ratio | 16.9792% | 2,739 |
| Total risk-based capital ratio | 18.2311% | 2,702 |
| Memoranda: | ||
| Average total assets | $61,618,500 | 5,950 |
| Average earning assets | $59,660,000 | 5,820 |
| Average equity | $5,693,250 | 6,172 |
| Average total loans | $30,886,000 | 5,982 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6477% | 6,419 |
| Cost of funding earning assets | 0.5376% | 5,389 |
| Net interest margin | 3.1101% | 5,972 |
| Noninterest income to average assets | 0.1647% | 6,353 |
| Noninterest expense to average assets | 1.2944% | 7,107 |
| Loan and lease loss provision to assets | 0.0494% | 5,057 |
| Net operating income to assets | 1.6666% | 723 |
| Return on assets (ROA) | 1.6666% | 810 |
| Pretax return on assets | 1.8313% | 979 |
| Return on Equity (ROE) | 18.0467% | 503 |
| Retained earnings to average equity (ytd only) | 9.1304% | 1,227 |
| Net charge-offs to loans | 0.0261% | 5,021 |
| Credit loss provision to net charge-offs | 375.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 142.7500% | 315 |
| Efficiency ratio | 40.7676% | 7,050 |
| Assets per employee ($millions) | 8.0176% | 466 |
| Cash dividends to net income (ytd only)* | 49.4071% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 3,988 |
| Loan loss allowance to noncurrent loans | 299.3631% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 5,548 |
| Noncurrent loans to loans | 0.5023% | 5,532 |
| Net loans and leases to total assets | 47.9958% | 5,614 |
| Net loans and leases to deposits | 54.2238% | 5,844 |
| Net loans and leases to core deposits | 56.0829% | 5,933 |
| Total domestic deposits to total assets | 88.5144% | 1,803 |
| Equity capital to assets | 9.0535% | 5,644 |
| Core capital (leverage) ratio | 8.7275% | 5,336 |
| Tier 1 risk-based capital ratio | 16.6338% | 2,841 |
| Total risk-based capital ratio | 17.8845% | 2,795 |
| Memoranda: | ||
| Average total assets | $60,721,000 | 6,011 |
| Average earning assets | $58,776,000 | 5,882 |
| Average equity | $5,607,670 | 6,212 |
| Average total loans | $30,661,670 | 6,030 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7146% | 6,415 |
| Cost of funding earning assets | 0.5547% | 5,468 |
| Net interest margin | 3.1599% | 5,880 |
| Noninterest income to average assets | 0.1762% | 6,324 |
| Noninterest expense to average assets | 1.4302% | 7,096 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7963% | 601 |
| Return on assets (ROA) | 1.7963% | 672 |
| Pretax return on assets | 1.7963% | 1,075 |
| Return on Equity (ROE) | 19.2447% | 433 |
| Retained earnings to average equity (ytd only) | 8.3515% | 1,838 |
| Net charge-offs to loans | 0.0659% | 3,834 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 606 |
| Efficiency ratio | 44.3277% | 6,974 |
| Assets per employee ($millions) | 7.7248% | 550 |
| Cash dividends to net income (ytd only)* | 56.6038% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 4,031 |
| Loan loss allowance to noncurrent loans | 598.6842% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 5,713 |
| Noncurrent loans to loans | 0.2552% | 6,178 |
| Net loans and leases to total assets | 47.4546% | 5,627 |
| Net loans and leases to deposits | 53.5948% | 5,850 |
| Net loans and leases to core deposits | 54.9804% | 5,987 |
| Total domestic deposits to total assets | 88.5433% | 1,986 |
| Equity capital to assets | 8.9615% | 5,553 |
| Core capital (leverage) ratio | 9.2798% | 4,396 |
| Tier 1 risk-based capital ratio | 16.7207% | 2,797 |
| Total risk-based capital ratio | 17.9739% | 2,755 |
| Memoranda: | ||
| Average total assets | $59,011,000 | 6,094 |
| Average earning assets | $56,964,500 | 5,976 |
| Average equity | $5,508,000 | 6,273 |
| Average total loans | $30,365,000 | 6,096 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 6,191 |
| Cost of funding earning assets | 0.8955% | 4,154 |
| Net interest margin | 3.2500% | 5,961 |
| Noninterest income to average assets | 0.1651% | 6,310 |
| Noninterest expense to average assets | 1.4256% | 7,204 |
| Loan and lease loss provision to assets | 0.3376% | 2,992 |
| Net operating income to assets | 1.5164% | 796 |
| Return on assets (ROA) | 1.6470% | 648 |
| Pretax return on assets | 1.6732% | 1,052 |
| Return on Equity (ROE) | 16.9944% | 473 |
| Retained earnings to average equity (ytd only) | 13.1233% | 218 |
| Net charge-offs to loans | 0.3116% | 3,842 |
| Credit loss provision to net charge-offs | 193.5484% | 1,315 |
| Earnings coverage of net charge-offs (x) | 10.7634% | 1,799 |
| Efficiency ratio | 43.1573% | 7,144 |
| Assets per employee ($millions) | 7.0280% | 725 |
| Cash dividends to net income (ytd only)* | 22.7790% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4863% | 4,088 |
| Loan loss allowance to noncurrent loans | 422.0183% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 5,724 |
| Noncurrent loans to loans | 0.3522% | 6,018 |
| Net loans and leases to total assets | 54.2277% | 5,002 |
| Net loans and leases to deposits | 62.0023% | 5,245 |
| Net loans and leases to core deposits | 64.4397% | 5,425 |
| Total domestic deposits to total assets | 87.4609% | 2,492 |
| Equity capital to assets | 9.7432% | 4,523 |
| Core capital (leverage) ratio | 9.5129% | 4,007 |
| Tier 1 risk-based capital ratio | 16.6504% | 2,755 |
| Total risk-based capital ratio | 17.9003% | 2,715 |
| Memoranda: | ||
| Average total assets | $53,310,400 | 6,249 |
| Average earning assets | $51,477,600 | 6,143 |
| Average equity | $5,166,400 | 6,396 |
| Average total loans | $29,842,200 | 6,165 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1192% | 6,366 |
| Cost of funding earning assets | 0.9500% | 4,046 |
| Net interest margin | 3.1692% | 6,236 |
| Noninterest income to average assets | 0.1648% | 6,416 |
| Noninterest expense to average assets | 1.3490% | 7,297 |
| Loan and lease loss provision to assets | 0.3043% | 3,098 |
| Net operating income to assets | 1.5638% | 828 |
| Return on assets (ROA) | 1.7420% | 633 |
| Pretax return on assets | 1.7623% | 1,023 |
| Return on Equity (ROE) | 18.0010% | 458 |
| Retained earnings to average equity (ytd only) | 18.0010% | 114 |
| Net charge-offs to loans | 0.3292% | 3,447 |
| Credit loss provision to net charge-offs | 164.3836% | 1,856 |
| Earnings coverage of net charge-offs (x) | 10.1919% | 1,958 |
| Efficiency ratio | 41.6928% | 7,221 |
| Assets per employee ($millions) | 6.8501% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 4,418 |
| Loan loss allowance to noncurrent loans | 54.1237% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 1.5346% | 3,794 |
| Noncurrent loans to loans | 2.6432% | 2,631 |
| Net loans and leases to total assets | 52.8056% | 5,350 |
| Net loans and leases to deposits | 60.6057% | 5,565 |
| Net loans and leases to core deposits | 63.0567% | 5,709 |
| Total domestic deposits to total assets | 87.1298% | 2,565 |
| Equity capital to assets | 9.9962% | 4,347 |
| Core capital (leverage) ratio | 9.7264% | 3,810 |
| Tier 1 risk-based capital ratio | 17.4697% | 2,456 |
| Total risk-based capital ratio | 18.7227% | 2,428 |
| Memoranda: | ||
| Average total assets | $52,582,000 | 6,335 |
| Average earning assets | $50,947,250 | 6,203 |
| Average equity | $5,088,500 | 6,469 |
| Average total loans | $29,565,500 | 6,238 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1546% | 6,375 |
| Cost of funding earning assets | 0.9811% | 4,079 |
| Net interest margin | 3.1735% | 6,235 |
| Noninterest income to average assets | 0.1620% | 6,502 |
| Noninterest expense to average assets | 1.4004% | 7,356 |
| Loan and lease loss provision to assets | 0.3279% | 2,822 |
| Net operating income to assets | 1.5123% | 863 |
| Return on assets (ROA) | 1.7862% | 555 |
| Pretax return on assets | 1.7900% | 898 |
| Return on Equity (ROE) | 18.6744% | 407 |
| Retained earnings to average equity (ytd only) | 18.6744% | 121 |
| Net charge-offs to loans | 0.4657% | 2,716 |
| Credit loss provision to net charge-offs | 123.1884% | 2,472 |
| Earnings coverage of net charge-offs (x) | 6.9275% | 2,308 |
| Efficiency ratio | 43.1629% | 7,266 |
| Assets per employee ($millions) | 6.8631% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 4,851 |
| Loan loss allowance to noncurrent loans | 88.8128% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.9161% | 5,037 |
| Noncurrent loans to loans | 1.5164% | 4,150 |
| Net loans and leases to total assets | 51.9006% | 5,575 |
| Net loans and leases to deposits | 59.2802% | 5,796 |
| Net loans and leases to core deposits | 61.7826% | 5,918 |
| Total domestic deposits to total assets | 87.5512% | 2,439 |
| Equity capital to assets | 9.5383% | 4,753 |
| Core capital (leverage) ratio | 9.6243% | 3,775 |
| Tier 1 risk-based capital ratio | 16.8337% | 2,597 |
| Total risk-based capital ratio | 18.0844% | 2,558 |
| Memoranda: | ||
| Average total assets | $51,842,330 | 6,419 |
| Average earning assets | $50,354,000 | 6,276 |
| Average equity | $4,958,670 | 6,549 |
| Average total loans | $29,634,670 | 6,302 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2543% | 6,136 |
| Cost of funding earning assets | 1.0309% | 3,985 |
| Net interest margin | 3.2235% | 5,999 |
| Noninterest income to average assets | 0.1670% | 6,533 |
| Noninterest expense to average assets | 1.3516% | 7,434 |
| Loan and lease loss provision to assets | 0.3180% | 2,641 |
| Net operating income to assets | 1.6299% | 650 |
| Return on assets (ROA) | 1.6299% | 687 |
| Pretax return on assets | 1.6299% | 1,129 |
| Return on Equity (ROE) | 17.0142% | 570 |
| Retained earnings to average equity (ytd only) | 17.0142% | 278 |
| Net charge-offs to loans | 0.5865% | 2,023 |
| Credit loss provision to net charge-offs | 90.9091% | 2,925 |
| Earnings coverage of net charge-offs (x) | 5.5682% | 2,255 |
| Efficiency ratio | 40.9639% | 7,373 |
| Assets per employee ($millions) | 6.5960% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 5,306 |
| Loan loss allowance to noncurrent loans | 68.2070% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 1.1484% | 4,639 |
| Noncurrent loans to loans | 1.8587% | 3,748 |
| Net loans and leases to total assets | 54.4610% | 5,237 |
| Net loans and leases to deposits | 62.1698% | 5,476 |
| Net loans and leases to core deposits | 64.8977% | 5,634 |
| Total domestic deposits to total assets | 87.6004% | 2,614 |
| Equity capital to assets | 9.3617% | 4,635 |
| Core capital (leverage) ratio | 9.4711% | 3,858 |
| Tier 1 risk-based capital ratio | 16.2026% | 2,808 |
| Total risk-based capital ratio | 17.4405% | 2,780 |
| Memoranda: | ||
| Average total assets | $50,311,000 | 6,524 |
| Average earning assets | $48,891,500 | 6,384 |
| Average equity | $4,819,500 | 6,611 |
| Average total loans | $30,009,500 | 6,334 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6714% | 5,892 |
| Cost of funding earning assets | 1.6236% | 1,933 |
| Net interest margin | 3.0479% | 6,642 |
| Noninterest income to average assets | 0.4906% | 4,245 |
| Noninterest expense to average assets | 1.8380% | 7,226 |
| Loan and lease loss provision to assets | 0.1853% | 5,377 |
| Net operating income to assets | 1.3016% | 1,171 |
| Return on assets (ROA) | 1.3016% | 1,228 |
| Pretax return on assets | 1.4019% | 1,662 |
| Return on Equity (ROE) | 12.9845% | 1,090 |
| Retained earnings to average equity (ytd only) | 3.6322% | 3,322 |
| Net charge-offs to loans | 0.2443% | 4,822 |
| Credit loss provision to net charge-offs | 121.4286% | 3,462 |
| Earnings coverage of net charge-offs (x) | 10.4000% | 1,708 |
| Efficiency ratio | 53.6601% | 6,840 |
| Assets per employee ($millions) | 5.9818% | 1,224 |
| Cash dividends to net income (ytd only)* | 72.0268% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 5,476 |
| Loan loss allowance to noncurrent loans | 90.7543% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.9947% | 5,015 |
| Noncurrent loans to loans | 1.3296% | 4,497 |
| Net loans and leases to total assets | 63.8170% | 3,911 |
| Net loans and leases to deposits | 74.0950% | 4,175 |
| Net loans and leases to core deposits | 77.1460% | 4,575 |
| Total domestic deposits to total assets | 86.1286% | 3,286 |
| Equity capital to assets | 9.8195% | 3,977 |
| Core capital (leverage) ratio | 9.3829% | 3,875 |
| Tier 1 risk-based capital ratio | 14.9381% | 3,285 |
| Total risk-based capital ratio | 16.1429% | 3,269 |
| Memoranda: | ||
| Average total assets | $45,865,400 | 6,670 |
| Average earning assets | $44,162,200 | 6,574 |
| Average equity | $4,597,800 | 6,788 |
| Average total loans | $28,648,600 | 6,465 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6861% | 6,078 |
| Cost of funding earning assets | 1.7057% | 1,848 |
| Net interest margin | 2.9804% | 6,867 |
| Noninterest income to average assets | 0.6025% | 3,423 |
| Noninterest expense to average assets | 1.7868% | 7,341 |
| Loan and lease loss provision to assets | 0.1763% | 5,275 |
| Net operating income to assets | 1.3901% | 1,124 |
| Return on assets (ROA) | 1.3901% | 1,204 |
| Pretax return on assets | 1.5047% | 1,604 |
| Return on Equity (ROE) | 13.7922% | 1,075 |
| Retained earnings to average equity (ytd only) | 4.8986% | 3,055 |
| Net charge-offs to loans | 0.3323% | 3,999 |
| Credit loss provision to net charge-offs | 85.7143% | 4,930 |
| Earnings coverage of net charge-offs (x) | 8.1715% | 2,200 |
| Efficiency ratio | 51.5254% | 7,028 |
| Assets per employee ($millions) | 6.0404% | 1,216 |
| Cash dividends to net income (ytd only)* | 64.4827% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 5,322 |
| Loan loss allowance to noncurrent loans | 75.3247% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.0906% | 4,934 |
| Noncurrent loans to loans | 1.6379% | 4,190 |
| Net loans and leases to total assets | 57.6496% | 5,309 |
| Net loans and leases to deposits | 66.8747% | 5,562 |
| Net loans and leases to core deposits | 70.1501% | 5,735 |
| Total domestic deposits to total assets | 86.2053% | 2,972 |
| Equity capital to assets | 9.7986% | 4,415 |
| Core capital (leverage) ratio | 9.7511% | 3,552 |
| Tier 1 risk-based capital ratio | 15.9451% | 2,788 |
| Total risk-based capital ratio | 17.1446% | 2,757 |
| Memoranda: | ||
| Average total assets | $45,368,250 | 6,768 |
| Average earning assets | $43,617,500 | 6,676 |
| Average equity | $4,572,500 | 6,883 |
| Average total loans | $28,082,750 | 6,585 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7695% | 5,897 |
| Cost of funding earning assets | 1.7399% | 1,920 |
| Net interest margin | 3.0296% | 6,772 |
| Noninterest income to average assets | 0.8246% | 1,999 |
| Noninterest expense to average assets | 1.9332% | 7,207 |
| Loan and lease loss provision to assets | 0.2253% | 4,653 |
| Net operating income to assets | 1.4330% | 1,027 |
| Return on assets (ROA) | 1.4330% | 1,102 |
| Pretax return on assets | 1.5772% | 1,366 |
| Return on Equity (ROE) | 14.0760% | 1,028 |
| Retained earnings to average equity (ytd only) | 0.5754% | 5,533 |
| Net charge-offs to loans | 0.3210% | 3,718 |
| Credit loss provision to net charge-offs | 111.1111% | 3,644 |
| Earnings coverage of net charge-offs (x) | 8.8889% | 2,085 |
| Efficiency ratio | 51.7491% | 7,094 |
| Assets per employee ($millions) | 5.8026% | 1,371 |
| Cash dividends to net income (ytd only)* | 95.9119% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 4,978 |
| Loan loss allowance to noncurrent loans | 79.0850% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.1288% | 4,879 |
| Noncurrent loans to loans | 1.6328% | 4,259 |
| Net loans and leases to total assets | 59.7747% | 5,108 |
| Net loans and leases to deposits | 69.5386% | 5,341 |
| Net loans and leases to core deposits | 74.5834% | 5,378 |
| Total domestic deposits to total assets | 85.9589% | 3,117 |
| Equity capital to assets | 9.8382% | 4,218 |
| Core capital (leverage) ratio | 9.9692% | 3,200 |
| Tier 1 risk-based capital ratio | 15.5914% | 2,850 |
| Total risk-based capital ratio | 16.8399% | 2,819 |
| Memoranda: | ||
| Average total assets | $44,383,330 | 6,853 |
| Average earning assets | $42,645,670 | 6,751 |
| Average equity | $4,518,330 | 6,933 |
| Average total loans | $28,041,670 | 6,634 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8628% | 5,630 |
| Cost of funding earning assets | 1.7491% | 2,128 |
| Net interest margin | 3.1137% | 6,553 |
| Noninterest income to average assets | 1.4574% | 560 |
| Noninterest expense to average assets | 2.2691% | 6,482 |
| Loan and lease loss provision to assets | 0.3228% | 3,479 |
| Net operating income to assets | 1.8541% | 444 |
| Return on assets (ROA) | 1.8541% | 488 |
| Pretax return on assets | 1.8541% | 798 |
| Return on Equity (ROE) | 17.8905% | 523 |
| Retained earnings to average equity (ytd only) | -9.2568% | 6,915 |
| Net charge-offs to loans | 0.5570% | 2,412 |
| Credit loss provision to net charge-offs | 89.7436% | 3,666 |
| Earnings coverage of net charge-offs (x) | 6.0513% | 2,289 |
| Efficiency ratio | 51.0373% | 7,240 |
| Assets per employee ($millions) | 5.5629% | 1,610 |
| Cash dividends to net income (ytd only)* | 151.7413% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 5,069 |
| Loan loss allowance to noncurrent loans | 2,528.5714% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 7,032 |
| Noncurrent loans to loans | 0.0504% | 7,279 |
| Net loans and leases to total assets | 61.6206% | 4,830 |
| Net loans and leases to deposits | 71.8783% | 5,067 |
| Net loans and leases to core deposits | 75.5725% | 5,312 |
| Total domestic deposits to total assets | 85.7291% | 3,292 |
| Equity capital to assets | 9.9566% | 3,924 |
| Core capital (leverage) ratio | 10.1392% | 2,994 |
| Tier 1 risk-based capital ratio | 15.4795% | 2,881 |
| Total risk-based capital ratio | 16.7378% | 2,826 |
| Memoranda: | ||
| Average total assets | $43,364,500 | 6,973 |
| Average earning assets | $41,622,000 | 6,873 |
| Average equity | $4,494,000 | 7,006 |
| Average total loans | $28,007,000 | 6,719 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3152% | 5,104 |
| Cost of funding earning assets | 1.8693% | 3,624 |
| Net interest margin | 3.4458% | 5,189 |
| Noninterest income to average assets | 0.2977% | 5,971 |
| Noninterest expense to average assets | 1.8387% | 7,573 |
| Loan and lease loss provision to assets | 0.4503% | 4,126 |
| Net operating income to assets | 1.2517% | 1,130 |
| Return on assets (ROA) | 1.3934% | 921 |
| Pretax return on assets | 1.4534% | 1,308 |
| Return on Equity (ROE) | 12.3794% | 1,080 |
| Retained earnings to average equity (ytd only) | 7.9344% | 716 |
| Net charge-offs to loans | 0.3222% | 4,623 |
| Credit loss provision to net charge-offs | 216.8675% | 1,754 |
| Earnings coverage of net charge-offs (x) | 8.4578% | 1,943 |
| Efficiency ratio | 51.1482% | 7,457 |
| Assets per employee ($millions) | 4.6918% | 2,625 |
| Cash dividends to net income (ytd only)* | 35.9066% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 4,949 |
| Loan loss allowance to noncurrent loans | 45.8974% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 2.1077% | 3,261 |
| Noncurrent loans to loans | 2.7623% | 2,796 |
| Net loans and leases to total assets | 66.0233% | 4,142 |
| Net loans and leases to deposits | 78.0160% | 4,369 |
| Net loans and leases to core deposits | 99.8961% | 4,008 |
| Total domestic deposits to total assets | 84.6280% | 3,741 |
| Equity capital to assets | 10.7919% | 2,878 |
| Core capital (leverage) ratio | 10.8769% | 2,298 |
| Tier 1 risk-based capital ratio | 15.5662% | 2,687 |
| Total risk-based capital ratio | 16.8162% | 2,636 |
| Memoranda: | ||
| Average total assets | $39,974,600 | 7,093 |
| Average earning assets | $38,249,000 | 7,006 |
| Average equity | $4,499,400 | 7,115 |
| Average total loans | $25,763,000 | 6,870 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3766% | 5,061 |
| Cost of funding earning assets | 1.8604% | 4,097 |
| Net interest margin | 3.5161% | 4,800 |
| Noninterest income to average assets | 0.2909% | 6,153 |
| Noninterest expense to average assets | 1.7152% | 7,751 |
| Loan and lease loss provision to assets | 0.3383% | 4,304 |
| Net operating income to assets | 1.5506% | 731 |
| Return on assets (ROA) | 1.7422% | 546 |
| Pretax return on assets | 1.8065% | 790 |
| Return on Equity (ROE) | 15.3099% | 732 |
| Retained earnings to average equity (ytd only) | 12.3371% | 316 |
| Net charge-offs to loans | -0.0318% | 7,809 |
| Credit loss provision to net charge-offs | -1,666.6667% | 7,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8577% | 7,729 |
| Assets per employee ($millions) | 5.1516% | 1,968 |
| Cash dividends to net income (ytd only)* | 19.4175% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 3,957 |
| Loan loss allowance to noncurrent loans | 116.5079% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 1.0312% | 5,012 |
| Noncurrent loans to loans | 1.1999% | 4,942 |
| Net loans and leases to total assets | 62.8103% | 5,105 |
| Net loans and leases to deposits | 74.6381% | 5,277 |
| Net loans and leases to core deposits | 97.1660% | 4,686 |
| Total domestic deposits to total assets | 84.1531% | 3,652 |
| Equity capital to assets | 11.2028% | 2,833 |
| Core capital (leverage) ratio | 11.0849% | 2,347 |
| Tier 1 risk-based capital ratio | 16.8369% | 2,323 |
| Total risk-based capital ratio | 18.0893% | 2,276 |
| Memoranda: | ||
| Average total assets | $39,411,750 | 7,179 |
| Average earning assets | $37,768,000 | 7,079 |
| Average equity | $4,485,000 | 7,189 |
| Average total loans | $25,144,500 | 6,965 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4506% | 4,895 |
| Cost of funding earning assets | 1.8816% | 4,363 |
| Net interest margin | 3.5690% | 4,501 |
| Noninterest income to average assets | 0.2937% | 6,156 |
| Noninterest expense to average assets | 1.6438% | 7,886 |
| Loan and lease loss provision to assets | 0.3092% | 4,098 |
| Net operating income to assets | 1.6942% | 575 |
| Return on assets (ROA) | 1.9891% | 337 |
| Pretax return on assets | 2.0561% | 484 |
| Return on Equity (ROE) | 17.3835% | 540 |
| Retained earnings to average equity (ytd only) | 17.3835% | 124 |
| Net charge-offs to loans | -0.0484% | 7,844 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3672% | 7,912 |
| Assets per employee ($millions) | 4.8973% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 4,446 |
| Loan loss allowance to noncurrent loans | 911.1111% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.3727% | 6,523 |
| Noncurrent loans to loans | 0.1397% | 7,169 |
| Net loans and leases to total assets | 64.9370% | 4,776 |
| Net loans and leases to deposits | 77.8465% | 4,899 |
| Net loans and leases to core deposits | 103.2047% | 4,161 |
| Total domestic deposits to total assets | 83.4167% | 4,056 |
| Equity capital to assets | 11.6417% | 2,434 |
| Core capital (leverage) ratio | 11.6303% | 2,021 |
| Tier 1 risk-based capital ratio | 17.1514% | 2,252 |
| Total risk-based capital ratio | 18.4049% | 2,191 |
| Memoranda: | ||
| Average total assets | $38,811,330 | 7,266 |
| Average earning assets | $37,097,000 | 7,172 |
| Average equity | $4,441,000 | 7,258 |
| Average total loans | $24,775,000 | 7,045 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6220% | 4,228 |
| Cost of funding earning assets | 1.9030% | 4,618 |
| Net interest margin | 3.7190% | 3,809 |
| Noninterest income to average assets | 0.3107% | 5,955 |
| Noninterest expense to average assets | 1.5636% | 7,933 |
| Loan and lease loss provision to assets | 0.4142% | 2,849 |
| Net operating income to assets | 1.8536% | 479 |
| Return on assets (ROA) | 1.8536% | 534 |
| Pretax return on assets | 1.8743% | 849 |
| Return on Equity (ROE) | 16.3433% | 768 |
| Retained earnings to average equity (ytd only) | 16.3433% | 309 |
| Net charge-offs to loans | -0.0659% | 7,782 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5914% | 8,035 |
| Assets per employee ($millions) | 4.8584% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 4,216 |
| Loan loss allowance to noncurrent loans | 1,605.2632% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.3319% | 6,522 |
| Noncurrent loans to loans | 0.0796% | 7,295 |
| Net loans and leases to total assets | 60.5938% | 5,559 |
| Net loans and leases to deposits | 72.4223% | 5,692 |
| Net loans and leases to core deposits | 94.9407% | 5,064 |
| Total domestic deposits to total assets | 83.6674% | 3,856 |
| Equity capital to assets | 11.4184% | 2,644 |
| Core capital (leverage) ratio | 11.2089% | 2,331 |
| Tier 1 risk-based capital ratio | 17.3765% | 2,223 |
| Total risk-based capital ratio | 18.6148% | 2,170 |
| Memoranda: | ||
| Average total assets | $38,628,000 | 7,314 |
| Average earning assets | $36,784,000 | 7,225 |
| Average equity | $4,381,000 | 7,325 |
| Average total loans | $24,278,000 | 7,116 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0915% | 5,093 |
| Cost of funding earning assets | 2.4117% | 4,667 |
| Net interest margin | 3.6798% | 4,551 |
| Noninterest income to average assets | 0.3298% | 6,085 |
| Noninterest expense to average assets | 1.8514% | 7,688 |
| Loan and lease loss provision to assets | 0.3187% | 3,827 |
| Net operating income to assets | 1.6463% | 758 |
| Return on assets (ROA) | 1.6463% | 726 |
| Pretax return on assets | 1.6824% | 1,185 |
| Return on Equity (ROE) | 14.3181% | 1,046 |
| Retained earnings to average equity (ytd only) | 3.2300% | 3,138 |
| Net charge-offs to loans | 0.4422% | 2,614 |
| Credit loss provision to net charge-offs | 110.5769% | 4,876 |
| Earnings coverage of net charge-offs (x) | 6.9423% | 3,228 |
| Efficiency ratio | 48.0576% | 7,798 |
| Assets per employee ($millions) | 4.7986% | 2,178 |
| Cash dividends to net income (ytd only)* | 77.4411% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 5,567 |
| Loan loss allowance to noncurrent loans | 138.8298% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.7763% | 4,910 |
| Noncurrent loans to loans | 0.7611% | 5,133 |
| Net loans and leases to total assets | 63.6615% | 5,347 |
| Net loans and leases to deposits | 75.4127% | 5,667 |
| Net loans and leases to core deposits | 95.8919% | 5,267 |
| Total domestic deposits to total assets | 84.4174% | 3,121 |
| Equity capital to assets | 11.2636% | 2,834 |
| Core capital (leverage) ratio | 10.6341% | 2,876 |
| Tier 1 risk-based capital ratio | 16.2190% | 2,577 |
| Total risk-based capital ratio | 17.2485% | 2,612 |
| Memoranda: | ||
| Average total assets | $36,080,200 | 7,377 |
| Average earning assets | $34,540,200 | 7,302 |
| Average equity | $4,148,600 | 7,451 |
| Average total loans | $23,521,000 | 7,104 |